Banking System Statistical Report, March 2025
Summary — The banking system at March 2025: total assets 678.1 billion gourdes, deposits 554.8 billion, gross loans 124.9 billion, non-performing loans 13.68% of gross loans. The workbook carries the balance sheet, income statement, prudential ratios, loan classification, credit by sector, deposits by branch and the exposure tables, for the system and for each of the 7 banks reporting. BRH marks this filing provisional.
Key Findings
- Total assets of the banking system: 678.1 billion gourdes.
- Total deposits: 554.8 billion gourdes.
- Gross loan portfolio: 124.9 billion gourdes.
- Non-performing loans as a share of gross loans: 13.68%.
- Banks reporting: 7.
Full Description
BRH's supervisory return for the quarter ending March 2025, filed as trimestre 2 of fiscal year 2025: the Haitian fiscal year ends 30 September, so this quarter closes March 2025. The workbook runs to 379 worksheets and reports both the system and each licensed bank by name. It carries the balance sheet in gourdes and in foreign currency, the income statement for the quarter and cumulated from October, the prudential and capital-adequacy ratios, the loan classification by grade, credit by sector under Circulaire 83-4, deposits and accounts by branch and locality, the large-exposure and related-party tables, and staff and branch counts. At this date the system reports 678.1 billion gourdes of assets, 554.8 billion of deposits and 124.9 billion of gross loans across 7 banks. BRH marks this filing provisional, so its figures are subject to revision in a later edition.
Full Document Text
Extracted text from the original document for search indexing.
[XXXX]
[pagecouvert.]
Banque de la République d’Haïti
RAPPORT "STATISTIQUES" ET INDICATEURS FINANCIERS
VERSION PROVISOIRE
DONNÉES FINANCIÈRES TRIMESTRIELLES
DES ÉTABLISSEMENTS BANCAIRES
TRIM 2 2025
(1er janvier au 31 mars 2025)
[Sheet9]
[Sheet10]
[Sheet11]
[Sheet12]
[Sheet13]
[Sheet14]
[Sheet15]
[tabmat]
TABLE DES MATIÈRES
NOTE AUX UTILISATEURS | i
SECTION 1 | GRAPHES ET TABLEAUX
Évolution du bilan | 5
Évolution des résultats | 12
Évolution du nombre d'employés | 18
Évolution du nombre de prêts | 19
Évolution du nombre de dépôts | 20
SECTION 2 | SOMMAIRE FINANCIER - SYSTÈME BANCAIRE
Indicateurs financiers | 26
Parts de marché | 27
Bilan
Analyse des variations | 32
Analyse de la composition | 33
Devises et Gourdes | 34
Résultats
Analyse des variations trimestrielles | 35
Analyse des variations annuelles | 36
SECTION 3 | SOMMAIRE FINANCIER DÉTAILLÉ - SYSTÈME BANCAIRE
Faits saillants financiers | 38
Ratios financiers clés mars 2025 | 39
Ratios financiers clés décembre 2024 | 40
Ratios financiers clés septembre 2024 | 41
Ratios financiers clés juin 2024 | 42
Ratios financiers clés mars 2024 | 43
Ratios financiers clés décembre 2023 | 44
Ratios financiers clés septembre 2023 | 45
Ratios financiers clés juin 2023 | 46
Ratios financiers clés mars 2023 | 47
Ratios financiers clés décembre 2022 | 48
Ratios financiers clés septembre 2022 | 49
Ratios financiers clés juin 2022 | 50
Ratios financiers clés mars 2022 | 51
Ratios financiers clés décembre 2021 | 52
Ratios financiers clés septembre 2021 | 53
Ratios financiers clés juin 2021 | 54
Ratios financiers clés mars 2021 | 55
Ratios financiers clés décembre 2020 | 56
Ratios financiers clés septembre 2020 | 57
Ratios financiers clés juin 2020 | 58
Bilan au 31 mars 2025 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | 59
Gourdes et devises | 60
Devises seulement | 61
Gourdes seulement | 62
Bilan au 31 décembre 2024 ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | 63
Bilan au 30 septembre 2024 | 64
Bilan au 30 juin 2024 | 65
Bilan au 31 mars 2024 | 66
Bilan au 31 décembre 2023 | 67
Bilan au 30 septembre 2023 | 68
Bilan au 30 juin 2023 | 69
Bilan au 31 mars 2023 | 70
Bilan au 31 décembre 2022 | 71
Bilan au 30 septembre 2022 | 72
Bilan au 30 juin 2022 | 73
Bilan au 31 mars 2022 | 74
Bilan au 31 décembre 2021 | 75
Bilan au 30 septembre 2021 | 76
Bilan au 30 juin 2021 | 77
Bilan au 31 mars 2021 | 78
Bilan au 31 décembre 2020 | 79
Bilan au 30 septembre 2020 | 80
Résultats (Trim. 2 2024/ Trim. 2 2023) | 81
Résultats (Cumul oct.-mars. 24 / Cumul oct. -mars. 23) | 82
SECTION 4 | STATISTIQUES PAR BANQUE
BNC (Banque Nationale de Crédit) | 83
BPH (Banque Populaire Haïtienne) | 90
BUH (Banque de l'Union Haïtienne) | 97
CAPITALBK (Capital Bank) | 104
CBNA (Citibank N.A.) | 111
SOGEBK (Société Générale Haïtienne de Banque) | 118
SOGEBL (Société Générale Haïtienne de Banque d'Epargne et de Logement) | 125
UNIBK (Unibank) | 132
SECTION 5 | RESPECT DES NORMES PRUDENTIELLES
Limite relative à la position nette de change des banques | 133
Limites relatives à la concentration des risques de crédit | 134
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 2 2025 et TRIM 2 2024 doivent être lues comme étant le deuxième trimestre de l'exercice fiscal 2024-2025
(1er janvier au 31 mars 2025) et le deuxième trimestre de l'exercice fiscal 2023-2024 (1er janvier au 31 mars 2024).
Les périodes CUMUL 2025 et CUMUL 2024 doivent être lues respectivement comme période cumulative allant du
1er octobre 2024 au 31 mars 2025 et période cumulative allant du 1er octobre 2023 au 31 mars 2024.
[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
Mars 2025 | 769 | 147 | 469 | 1049 | 1536 | 783 | 75 | 0 | 0 | 4828
[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
Mars 25 | 22137 | 239 | 440 | 13637 | 7980 | 1939 | 383 | 0 | ** | 46755
Mars98 | Juin 98
1327 | 1348
1050 | 1028
875 | 869
862 | 954
664
624 | 645
496 | 518
278 | 1539
171 | 186
103
12 | 22
0 | 636
0
0 | 2545
[nbre de cptes de dépôts ]
NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE
(En unités)
AU 31 Mars 2025
BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL
À vue | 38651 | 2798 | 10878 | 24850 | 56473 | 12052 | 3296 | 0 | 148998
Épargne | 499682 | 9119 | 95485 | 732304 | 1274788 | 148811 | 3652 | 0 | 2763841
À Terme | 3040 | 117 | 801 | 10626 | 4272 | 618 | 754 | 0 | 20228
TOTAL | 541373 | 12034 | 107164 | 767780 | 1335533 | 161481 | 7702 | 0 | 2933067
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
[dépôts P-AU-P et Prov.]
RÉPARTITION DES DÉPÔTS DANS LA REGION METROPOLITAINE
En Milliers de Gourdes
Au 31 Mars 2025
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | TOTAL
À vue | 35537820.163552485 | 1723784.43553 | 14584462.79178515 | 17531366 | 59971035.92880999 | 89376110.67481999 | 3860837.8789299997 | 0 | 0 | 222585417.8734276
Épargne | 21474911.008216206 | 600526.17353 | 6313318.709846832 | 9547275 | 31915162.82032 | 53975373.03482999 | 1244267.00599 | 0 | 0 | 125070833.75273302
À terme | 9933016.758873967 | 2173642.962 | 11106479.64928624 | 9926390 | 20677034.79185 | 30320300.133839995 | 2971696.56417 | 0 | 0 | 87108560.8600202
TOTAL | 66945747.930642664 | 4497953.57106 | 32004261.150918223 | 37005031 | 112563233.54098 | 173671783.84348997 | 8076801.449089999 | 0 | 0 | 434764812.48618084
RÉPARTITION DES DÉPÔTS DANS LES VILLES DE PROVINCE
En Milliers de Gourdes
Au 31 Mars 2025
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL
À vue | 8879683.811718253 | N/A | 2379620.4425338553 | 2375054 | 11846443.624589998 | 14459948.212590002 | N/A | N/A | N/A | 39940750.09143211
Épargne | 19056813.592820432 | N/A | 2800956.75082768 | 2836824 | 18697870.505370002 | 25761883.789440002 | N/A | N/A | N/A | 69154348.63845812
À terme | 2461519.7230342235 | N/A | 1549602.2328706558 | 157304 | 4532297.2501300005 | 2225946.7579699997 | N/A | N/A | N/A | 10926669.96400488 | 8048.809196766466
TOTAL | 30398017.12757291 | N/A | 6730179.426232192 | 5369182 | 35076611.38009 | 42447778.76 | N/A | N/A | N/A | 120021768.6938951 | 0
SCOTIA | 1327
PROMOBK | 1050
SOGEBK | 875
UNIBK | 862
CAPITALBK | 664
SOCABK | 624
SOGEBL | 496
BPH | 278
CBNA | 171
BICH | 103
BMH | 12
BIDC | 0
BNC | 0
BUH | 0
TABLEAU RÉCAPITULATIF DES DIFFERENTS TYPES DE DÉPOTS PAR BANQUE
En Milliers de Gourdes
Au 31 Mars 2025
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL
À vue | 44417503.97527074 | 1723784.43553 | 16964083.234319005 | 19906420 | 71817479.5534 | 103836058.88740999 | 3860837.8789299997 | 0 | 0 | 262526167.96485972
Épargne | 40531724.60103664 | 600526.17353 | 9114275.460674511 | 12384099 | 50613033.32569 | 79737256.82427 | 1244267.00599 | 0 | 0 | 194225182.39119115
À terme | 12394536.481908191 | 2173642.962 | 12656081.882156895 | 10083694 | 25209332.041980002 | 32546246.891809992 | 2971696.56417 | 0 | 0 | 98035230.8240251
TOTAL | 97343765.05821557 | 4497953.57106 | 38734440.57715041 | 42374213 | 147639844.92107 | 216119562.60349 | 8076801.449089999 | 0 | 0 | 554786581.1800759
[ dépôts à vue]
RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À VUE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES
(EN MILLIERS DE GOURDES)
Au 31 Mars 2025
PORT-AU-PRINCE ET SES ENVIRONS
BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL
Siège Social | 17038526.022779137 | 251881.43675 | 560314.624953712 | 13045567.9349 | 3355159.52747 | 1443806 | 1386385.79067 | 37081641.33752285
Place Geffrard | 0 | 0 | 0 | 2989535.3590999995 | 0 | 0 | 0 | 0 | 2989535.3590999995
Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Rue Pavée | 1234776.724577136 | 0 | 0 | 2378507.6023100005 | 0 | 0 | 0 | 0 | 3613284.3268871363
Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Pavée 2 | 1234776.724577136 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1234776.724577136
Delmas | 2870090.0195852956 | 34758.03479 | 2053814.3354266398 | 7063987.19751 | 12602501.07449 | 2196014 | 1329465.7873099998 | 0 | 28150630.449111935
Delmas 52 | 1781663.8868346557 | 0 | 0 | 0 | 0 | 0 | 0 | 1781663.8868346557
Delmas 2 | 400004.907889984 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 400004.907889984
Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 1742776 | 0 | 0 | 1742776
Delmas 32 | 688421.2248606561 | 0 | 0 | 0 | 2157767.64261 | 0 | 0 | 0 | 2846188.867470656
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Delmas 56 | 0 | 0 | 0 | 0 | 0 | 453238 | 1329465.7873099998 | 0 | 1782703.7873099998
Delmas 48 | 0 | 0 | 0 | 1304067.2889699999 | 0 | 0 | 0 | 0 | 1304067.2889699999
Delmas-Aéroport | 0 | 0 | 0 | 5759919.90854 | 0 | 0 | 0 | 0 | 5759919.90854
Delmas 16 | 0 | 0 | 0 | 0 | 2670861.1668399996 | 0 | 0 | 0 | 2670861.1668399996
Delmas 18 | 2789513.7165900003 | 2789513.7165900003
Delmas 71 | 0 | 0 | 17741.204512368 | 0 | 4829177.6285500005 | 0 | 0 | 0 | 4846918.833062368
Kiosque Mégamart | 0 | 0 | 0 | 0 | 8484.11892 | 0 | 0 | 0 | 8484.11892
Delmas 35 | 1174099.070115088
Delmas 64 | 861974.0607991839
Delmas 75 | 146696.80098000003
Pétion-Ville | 8277843.923922896 | 675792.26301 | 5001499.981478016 | 12568055.532920001 | 30379621.797250003 | 6430219 | 468072.40998000005 | 0 | 63801104.90856092
P-V 1 | 3157328.9080509595 | 675792.26301 | 2646243.905626576 | 2464180.3608599994 | 15190604.35551 | 3282167 | 468072.40998000005 | 0 | 27884389.203037534
Place Boyer | 1934585.0520520802 | 0 | 124940.449185936 | 0 | 0 | 1732611 | 0 | 0 | 3792136.5012380164
Choucoune Plaza | 1479049.8693275042 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1479049.8693275042
P-V 2 | 0 | 0 | 1712458.8635990082 | 0 | 6932122.098970001 | 1415441 | 0 | 0 | 10060021.96256901
P-V 3 | 1706880.094492352 | 0 | 0 | 7274116.503160001 | 4764748.9398 | 0 | 0 | 0 | 13745745.537452353
P-V 4 | 0 | 0 | 0 | 2829758.6689 | 1944032.43256 | 0 | 0 | 0 | 4773791.1014600005
Juvénat | 517856.7630664959 | 1548113.97041
Lalue | 582850.22994488 | 0 | 525951.145532976 | 1648881.5458999998 | 3350694.38019 | 0 | 0 | 0 | 6108377.301567856
Champs de Mars | 0 | 0 | 0 | 1656610.5446600001 | 0 | 0 | 0 | 0 | 1656610.5446600001
Laboule | 0 | 0 | 0 | 0 | 581864.60986 | 260280 | 0 | 0 | 842144.60986
Aéroport | 0 | 194561.68459999998 | 389028.13156212796 | 5370707.94411 | 2662204.69367 | 2262364 | 0 | 0 | 10878866.453942128
Aéroport 2 | 0 | 0 | 0 | 1921910.7851099998 | 0 | 493340 | 0 | 0 | 2415250.7851099996
Carrefour | 733008.8338138079 | 0 | 170968.784162384 | 1896837.04636 | 0 | 91664 | 0 | 0 | 2892478.664336192
Arcachon | 276936.27810507204 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 276936.27810507204
Carrefour | 456072.55570873595 | 0 | 0 | 1693603.04863 | 0 | 0 | 0 | 0 | 2149675.6043387363
Truitiers | 0 | 0 | 0 | 203233.99773000003 | 0 | 0 | 0 | 0 | 203233.99773000003
Thor | 0 | 0 | 0 | 0 | 1321015.64952 | 0 | 0 | 0 | 1321015.64952
Diquini | 0 | 0 | 0 | 633013.6020399999 | 0 | 55227 | 0 | 0 | 688240.6020399999
Rue du Quai | 0 | 0 | 0 | 157611.83236 | 0 | 0 | 0 | 0 | 157611.83236
Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Clercine | 0 | 0 | 0 | 0 | 583226.00907 | 0 | 0 | 0 | 583226.00907
Rue Cameau | 0 | 0 | 0 | 0 | 0 | 561749 | 0 | 0 | 561749
Parc Industriel | 1881755.0447880002 | 556156.55834 | 4217702.793763535 | 0 | 0 | 0 | 0 | 0 | 6655614.396891535
Varreux | 0 | 0 | 0 | 0 | 7385525.203559999 | 181708 | 0 | 0 | 7567233.203559999
Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Bourdon | 0 | 0 | 0 | 0 | 1023418.35913 | 0 | 0 | 0 | 1023418.35913
Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Bel-Air | 0 | 0 | 0 | 0 | 911.7183299999999 | 0 | 0 | 0 | 911.7183299999999
Canapé-Vert | 0 | 0 | 0 | 0 | 1191539.54299 | 0 | 0 | 0 | 1191539.54299
Rue Capois | 0 | 0 | 0 | 0 | 1335773.1911600002 | 0 | 0 | 0 | 1335773.1911600002
Damien | 218547.89205070402 | 0 | 106829.25791577599 | 1020677.88286 | 3868949.82884 | 0 | 0 | 0 | 5215004.86166648
Frères | 366739.574389376 | 0 | 624271.02804896 | 1632386.85399 | 2297188.8348399997 | 17848 | 0 | 0 | 4938434.291268336
Portail Léogane | 0 | 0 | 0 | 149272.86959000002 | 333244.44624 | 0 | 0 | 0 | 482517.31583000004
Croix des Bossales | 0 | 0 | 0 | 0 | 89001.92569000002 | 0 | 0 | 0 | 89001.92569000002
Monseigneur Guilloux | 0 | 0 | 0 | 0 | 1644113.65356 | 0 | 0 | 0 | 1644113.65356
Martissant | 0 | 0 | 0 | 236527.42314 | 910794.33871 | 0 | 0 | 0 | 1147321.7618500001
Nazon | 0 | 0 | 0 | 0 | 496667.53766000003 | 0 | 0 | 0 | 496667.53766000003
Croix des Bouquets | 236763.99347390397 | 0 | 0 | 204837.33328 | 1137636.84555 | 0 | 0 | 0 | 1579238.1723039038
Lathan | 0 | 0 | 0 | 601503.99708 | 648450.48049 | 0 | 0 | 0 | 1249954.47757
Turgeau | 656596.523383328 | 0 | 0 | 3993798.04928 | 5666357.46227 | 0 | 676913.8909700001 | 0 | 10993665.925903328
Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Tabarre | 546175.6532040159 | 10634.45804 | 801838.2849095039 | 800804.59231 | 2663296.96789 | 1976821 | 0 | 0 | 6799570.95635352
Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Grand Rue | 0 | 0 | 0 | 0 | 1396205.47424 | . | 0 | 0 | 1396205.47424
Avenue Christophe | 0 | 0 | 0 | 0 | 1789103.80644 | 0 | 0 | 0 | 1789103.80644
Autres succursales non précisées | 894145.7276399999 | 0 | 132244.42403151997 | 0 | 661643.31571 | 1560326 | 0 | 0 | 3248359.46738152
TOTAL | 35537820.163552485 | 1723784.43553 | 14584462.79178515 | 59971035.92880999 | 89376110.67481999 | 17531366 | 3860837.8789299997 | 0 | 222585417.8734276
0
VILLES DE PROVINCES
Aquin | 187019.52678256 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 187019.52678256
Jacmel | 705472.070572688 | 0 | 0 | 1013061.15417 | 942243.63504 | 278779 | 0 | 0 | 2939555.859782688
Hinche | 796558.2098404639 | 0 | 0 | 298318.12713 | 1453837.1226599999 | 239541 | 0 | 0 | 2788254.4596304637
Cap-Haïtien | 770974.273463184 | 0 | 1181112.8483795999 | 2672620.40512 | 3954815.6439199997 | 910691 | 0 | 0 | 9490214.170882784
Cap-Haïtien 1 | 770974.273463184 | 0 | 854840.3373055679 | 1464393.0340800001 | 2690250.78104 | 795780 | 0 | 0 | 6576238.425888752
Cap-Haïtien 2 | 0 | 0 | 326272.51107403194 | 1208227.3710399996 | 1264564.86288 | 114911 | 0 | 0 | 2913975.7449940313
Cayes | 1361108.47544336 | 0 | 172862.078689552 | 1603597.75199 | 1766406.8243200001 | 503943 | 0 | 0 | 5407918.130442912
Cayes 1 | 1083464.407614448 | 0 | 172862.078689552 | 0 | 1458804.12381 | 0 | 0 | 0 | 2715130.610114
Cayes 2 | 277644.06782891194 | 0 | 0 | 0 | 307602.70051 | 0 | 0 | 0 | 585246.7683389119
Cabaret | 291057.46190424 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 291057.46190424
Cap Saint-Michel | 0 | 0 | 0 | 322280.08914 | 0 | 0 | 0 | 0 | 322280.08914
Ouanaminthe | 161934.073506208 | 0 | 118829.902486112 | 300400.16715999995 | 370478.29682 | 0 | 0 | 0 | 951642.4399723199
Fort-Liberté | 396145.233648704 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 396145.233648704
Gonaïves | 585246.782825632 | 0 | 319349.88369695994 | 1195653.8776299998 | 1164217.97443 | 201344 | 0 | 0 | 3465812.518582592
Port-de-Paix | 831472.975183088 | 0 | 262897.816084624 | 278181.11108999996 | 565776.25951 | 0 | 0 | 0 | 1938328.161867712
Petit-Goave | 237791.76039948798 | 0 | 0 | 158087.34336 | 318736.68562 | 0 | 0 | 0 | 714615.789379488
Miragoane | 410932.573698048 | 0 | 0 | 491283.70238 | 223404.02896 | 0 | 0 | 0 | 1125620.305038048
Mirebalais | 0 | 0 | 0 | 612332.44002 | 952332.7885700001 | 0 | 0 | 0 | 1564665.22859
Jérémie | 355391.00116110395 | 0 | 0 | 460411.95535999996 | 493281.77671999997 | 0 | 0 | 0 | 1309084.7332411038
La Gonave | 0 | 0 | 0 | 0 | 166952.22538 | 0 | 0 | 0 | 166952.22538
Léogane | 614810.5608569761 | 0 | 0 | 947513.1096 | 548039.7972 | 0 | 0 | 0 | 2110363.467656976
Fonds-des-Nègres | 167473.9614288 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 167473.9614288
Limbé | 0 | 0 | 0 | 0 | 179113.30904 | 0 | 0 | 0 | 179113.30904
Vertières | 307427.99802540796 | 0 | 0 | 444721.33044000005 | 460926.90365999995 | 102931 | 0 | 0 | 1316007.232125408
L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
ANSE-A-VEAU | 4284.337361391999
St-Marc | 395463.391542032 | 0 | 324567.91319700796 | 1047981.06 | 899384.94074 | 137825 | 0 | 0 | 2805222.30547904
Belladerre | 299119.14407488
TOTAL | 8879683.811718253 | 0 | 2379620.4425338553 | 11846443.624589998 | 14459948.212590002 | 2375054 | 0 | 0 | 39940750.09143211
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 | 44417503.97527074 | 1723784.43553 | 16964083.234319005 | 71817479.5534 | 103836058.88740999 | 19906420 | 3860837.8789299997 | 0 | 262526167.96485972
[ dépôts d'épargne]
RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS D'ÉPARGNE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES
(EN MILLIERS DE GOURDES)
Au 31 Mars 2025
PORT-AU-PRINCE ET SES ENVIRONS
BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL
Siège Social | 3396816.33209616 | 162692.13551 | 313594.287399136 | 3029028.8428 | 2387230.42252 | 1002253 | 551284.25341 | 0 | 10842899.273735296
Place Geffrard | 0 | 0 | 0 | 3245401.31783 | 0 | 0 | 0 | 0 | 3245401.31783
Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Rue Pavée II | 1299624.3226657761 | 0 | 0 | 1050214.77274 | 0 | 0 | 0 | 0 | 2349839.095405776
Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Pavée 2 | 1299624.3226657761 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1299624.3226657761
Delmas | 3873681.097535584 | 62332.386360000004 | 721905.6315479359 | 2624748.78493 | 8099634.78436 | 1606018 | 308102.7595 | 0 | 17296423.44423352
Delmas 52 | 1551261.8450323357 | 0 | 0 | 0 | 0 | 0 | 0 | 1551261.8450323357
Delmas 2 | 1406346.233962416 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1406346.233962416
Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 1079199 | 0 | 0 | 1079199
Delmas 32 | 916073.018540832 | 0 | 0 | 0 | 3432248.8868 | 0 | 0 | 0 | 4348321.905340832
Delmas 53 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Delmas 56 | 0 | 0 | 0 | 0 | 0 | 526819 | 308102.7595 | 0 | 834921.7594999999
Delmas 48 | 0 | 0 | 0 | 1063679.37141 | 0 | 0 | 0 | 0 | 1063679.37141
Delmas-Aéroport | 0 | 0 | 0 | 1561069.4135200002 | 0 | 0 | 0 | 0 | 1561069.4135200002
Delmas 16 | 0 | 0 | 0 | 0 | 1618445.35732 | 0 | 0 | 0 | 1618445.35732
Delmas 18 | 596284.7731 | 596284.7731
Delmas 71 | 0 | 0 | 24186.880926095997 | 0 | 2202341.77857 | 0 | 0 | 0 | 2226528.659496096
Kiosque Mégamart | 0 | 0 | 0 | 0 | 40040.794259999995 | 0 | 0 | 0 | 40040.794259999995
Delmas 35 | 363777.64969420794
Delmas 64 | 333941.10092763195
Delmas 75 | 210273.19430999996
Pétion-Ville | 4166807.645605152 | 153717.1379 | 2441989.111991872 | 5130141.7451 | 8717332.63986 | 2696762 | 58988.060670000006 | 0 | 23365738.341127023
P-V 1 | 1849646.1652088321 | 153717.1379 | 1153995.091155472 | 1807842.8710100001 | 4237391.608 | 1112791 | 58988.060670000006 | 0 | 10374371.933944304
Place Boyer | 1062009.86647296 | 0 | 190074.92939144 | 0 | 0 | 707323 | 0 | 0 | 1959407.7958644
Choucoune Plaza | 1155121.84838224 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1155121.84838224
P-V 2 | 0 | 0 | 663074.462877216 | 0 | 2007132.63352 | 876648 | 0 | 0 | 3546855.096397216
P-V 3 | 100029.76554111998 | 0 | 0 | 2247073.4243400004 | 1460785.0305299999 | 0 | 0 | 0 | 3807888.22041112
P-V 4 | 0 | 0 | 0 | 1075225.44975 | 680165.5925599999 | 0 | 0 | 0 | 1755391.04231
Juvénat | 434844.62856774393 | 331857.77525
Lalue | 1169105.0070479359 | 0 | 496497.213627808 | 1565681.9747800003 | 2376372.70462 | 0 | 0 | 0 | 5607656.900075744
Champs de Mars | 0 | 0 | 0 | 957257.36607 | 0 | 0 | 0 | 0 | 957257.36607
Laboule | 0 | 0 | 0 | 0 | 803019.7656500001 | 540763 | 0 | 0 | 1343782.76565
Aéroport | 0 | 97248.55803 | 218751.567051664 | 903859.2660599999 | 885947.1986600001 | 701028 | 0 | 0 | 2806834.589801664
Aéroport 2 | 0 | 0 | 0 | 1329509.01377 | 0 | 212160 | 0 | 0 | 1541669.01377
Carrefour | 1997153.784579152 | 0 | 231835.61991604796 | 3469831.51944 | 0 | 494224 | 0 | 0 | 6193044.9239352
Arcachon | 1099214.411481424 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1099214.411481424
Carrefour | 897939.373097728 | 0 | 0 | 2386315.73573 | 0 | 0 | 0 | 0 | 3284255.108827728
Truitiers | 0 | 0 | 0 | 1083515.78371 | 0 | 0 | 0 | 0 | 1083515.78371
Thor | 0 | 0 | 0 | 0 | 3401904.1807399997 | 0 | 0 | 0 | 3401904.1807399997
Diquini | 0 | 0 | 0 | 955738.05925 | 0 | 397706 | 0 | 0 | 1353444.05925
Rue du Quai | 0 | 0 | 0 | 264160.47677999997 | 0 | 0 | 0 | 0 | 264160.47677999997
Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Clercine | 0 | 0 | 0 | 0 | 391967.92202000006 | 0 | 0 | 0 | 391967.92202000006
Rue Cameau | 0 | 0 | 0 | 0 | 0 | 689565 | 0 | 0 | 689565
Parc Industriel | 1362911.5873951358 | 90832.50388999999 | 699478.3419428 | 0 | 0 | 0 | 0 | 0 | 2153222.433227936
Varreux | 0 | 0 | 0 | 0 | 2352949.361 | 149499 | 0 | 0 | 2502448.361
Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Bourdon | 0 | 0 | 0 | 0 | 1169935.4649200002 | 0 | 0 | 0 | 1169935.4649200002
Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Bel-Air | 0 | 0 | 0 | 0 | 78849.40255 | 0 | 0 | 0 | 78849.40255
Canapé-Vert | 0 | 0 | 0 | 0 | 1148495.46471 | 0 | 0 | 0 | 1148495.46471
Rue Capois | 0 | 0 | 0 | 0 | 1904965.42197 | 0 | 0 | 0 | 1904965.42197
Damien | 819644.053494864 | 0 | 174615.885707808 | 1100855.4016599997 | 2291148.23256 | 0 | 0 | 0 | 4386263.573422672
Frères | 518430.614922 | 0 | 388848.92386683193 | 1543908.5764600001 | 2543381.9606299996 | 23593 | 0 | 0 | 5018163.075878832
Portail Léogane | 0 | 0 | 0 | 396981.07185 | 1106260.7496300002 | 0 | 0 | 0 | 1503241.8214800002
Croix des Bossales | 0 | 0 | 0 | 0 | 435674.6527 | 0 | 0 | 0 | 435674.6527
Monseigneur Guilloux | 0 | 0 | 0 | 0 | 659253.5890700001 | 0 | 0 | 0 | 659253.5890700001
Martissant | 0 | 0 | 0 | 0 | 1408912.23551 | 0 | 0 | 0 | 1408912.23551
Nazon | 0 | 0 | 0 | 0 | 1102354.93294 | 0 | 0 | 0 | 1102354.93294
Croix des Bouquets | 987689.2184636641 | 0 | 0 | 659752.3459900001 | 1814558.79151 | 0 | 0 | 0 | 3462000.355963664
Lathan | 0 | 0 | 0 | 1074235.4251199998 | 1312514.87598 | 0 | 0 | 0 | 2386750.3011
Turgeau | 1059310.670866816 | 0 | 0 | 1884176.0140900002 | 2598708.4288199996 | 0 | 325891.93241 | 0 | 5868087.046186816
Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Tabarre | 823736.673541968 | 33703.45184 | 422088.2850886079 | 729680.8456 | 2815409.04873 | 629372 | 0 | 0 | 5453990.304800576
Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Grand Rue | 0 | 0 | 0 | 0 | 592979.21091 | . | 0 | 0 | 592979.21091
Avenue Christophe | 0 | 0 | 0 | 0 | 950263.3012400001 | 0 | 0 | 0 | 950263.3012400001
Autres succursales non précisées | 1.9999999994797514e-06 | 0 | 203713.84170632 | 0 | 625348.29102 | 404332 | 0 | 0 | 1233394.13272832
TOTAL | 21474911.008216206 | 600526.17353 | 6313318.709846832 | 31915162.82032 | 53975373.03482999 | 9547275 | 1244267.00599 | 0 | 125070833.75273302
#REF! | 0 | 0
VILLES DE PROVINCES
Aquin | 1393867.045353744 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1393867.045353744
Jacmel | 918714.8793314879 | 0 | 0 | 1470553.4819200002 | 1644859.01701 | 331878 | 0 | 0 | 4366005.378261488
Hinche | 950607.4720341759 | 0 | 0 | 423206.84525 | 676817.4740299999 | 493571 | 0 | 0 | 2544202.791314176
Cap-Haïtien | 1594877.596492224 | 0 | 969187.3752661919 | 4062349.02762 | 4986786.688150001 | 802107 | 0 | 0 | 12415307.687528417
Cap-Haïtien 1 | 1594877.596492224 | 0 | 788800.2532935999 | 2744184.5241799997 | 2544883.7152000004 | 628355 | 0 | 0 | 8301101.089165824
Cap-Haïtien 2 | 0 | 0 | 180387.121972592 | 1318164.5034400001 | 2441902.9729500003 | 173752 | 0 | 0 | 4114206.5983625925
Cayes | 1771795.331793552 | 0 | 534121.484604064 | 1868028.7502300001 | 3534696.9975 | 414635 | 0 | 0 | 8123277.564127617
Cayes 1 | 1340190.863219456 | 0 | 534121.484604064 | 0 | 2584403.55634 | 0 | 0 | 0 | 4458715.904163521
Cayes 2 | 431604.468574096 | 0 | 0 | 0 | 950293.4411599999 | 0 | 0 | 0 | 1381897.909734096
Cabaret | 1213949.875493824 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1213949.875493824
Cap Saint-Michel | 0 | 0 | 0 | 865026.2542000001 | 0 | 0 | 0 | 0 | 865026.2542000001
Ouanaminthe | 276533.23895865603 | 0 | 293094.3576384 | 738360.70064 | 918431.09289 | 0 | 0 | 0 | 2226419.3901270563
Fort-Liberté | 534103.7376521439 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 534103.7376521439
Gonaïves | 1532090.2490492 | 0 | 427134.16962947196 | 2022873.88593 | 2474393.33093 | 373082 | 0 | 0 | 6829573.635538672
Port-de-Paix | 1494121.399305984 | 0 | 393507.51300571207 | 783371.39318 | 1279584.59036 | 0 | 0 | 0 | 3950584.895851696
Petit-Goave | 842596.19337168 | 0 | 0 | 722889.34617 | 913706.89017 | 0 | 0 | 0 | 2479192.42971168
Miragoane | 635583.9478132961 | 0 | 0 | 1228346.08111 | 1014904.5945899999 | 0 | 0 | 0 | 2878834.623513296
Mirebalais | 0 | 0 | 0 | 879865.99656 | 1095531.73144 | 0 | 0 | 0 | 1975397.7280000001
Jérémie | 805098.65157584 | 0 | 0 | 611472.82238 | 947650.73765 | 0 | 0 | 0 | 2364222.21160584
La Gonave | 0 | 0 | 0 | 0 | 1162550.07816 | 0 | 0 | 0 | 1162550.07816
Léogane | 1619002.8738822078 | 0 | 0 | 1053772.11357 | 800702.58916 | 0 | 0 | 0 | 3473477.576612208
Fonds-des-Nègres | 789427.0611193919 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 789427.0611193919
Limbé | 0 | 0 | 0 | 0 | 886764.37211 | 0 | 0 | 0 | 886764.37211
Vertières | 424870.49894249596 | 0 | 0 | 389390.99913 | 1344418.8333800002 | 177532 | 0 | 0 | 2336212.3314524963
L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
ANSE-A-VEAU | 34637.265762639996
St-Marc | 1890018.425937392 | 0 | 183911.85068383996 | 1578362.80748 | 2080084.7719100001 | 244019 | 0 | 0 | 5976396.856011232
Belladerre | 334917.84895049594
TOTAL | 19056813.592820432 | 0 | 2800956.75082768 | 18697870.505370002 | 25761883.789440002 | 2836824 | 0 | 0 | 69154348.63845812
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 | 40531724.60103664 | 600526.17353 | 9114275.460674511 | 50613033.32569 | 79737256.82427 | 12384099 | 1244267.00599 | 0 | 194225182.39119112
[ dépôts à terme]
RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À TERME PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES
(EN MILLIERS DE GOURDES)
Au 31 Mars 2025
PORT-AU-PRINCE ET SES ENVIRONS
BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL
Siège Social | 1419810.761132864 | 133336.49164 | 86846.424895504 | 9047744.350610001 | 5792727.41257 | 2388085 | 1013752.8010399998 | 0 | 19882303.24188837
Place Geffrard | 0 | 0 | 0 | 546045.34552 | 0 | 0 | 0 | 0 | 546045.34552
Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Rue Pavée II | 120232.49694102397 | 0 | 0 | 260389.71651 | 0 | 0 | 0 | 0 | 380622.21345102397
Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Pavée 2 | 120232.49694102397 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 120232.49694102397
Delmas | 830847.0236072319 | 831.1194 | 1571382.5945823519 | 1852447.01144 | 1693321.3749399998 | 789843 | 980851.9207 | 0 | 7719524.044669583
Delmas 52 | 555545.3669302079 | 0 | 0 | 0 | 0 | 0 | 0 | 555545.3669302079
Delmas 2 | 194821.511457376 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 194821.511457376
Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 574887 | 0 | 0 | 574887
Delmas 32 | 80480.14521964801 | 0 | 0 | 0 | 488475.50825 | 0 | 0 | 0 | 568955.653469648
Delmas 55 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Delmas 56 | 0 | 0 | 0 | 0 | 0 | 214956 | 980851.9207 | 0 | 1195807.9207000001
Delmas 48 | 0 | 0 | 0 | 209331.70435 | 0 | 0 | 0 | 0 | 209331.70435
Delmas-Aéroport | 0 | 0 | 0 | 1643115.30709 | 0 | 0 | 0 | 0 | 1643115.30709
Delmas 16 | 0 | 0 | 0 | 0 | 184857.05455 | 0 | 0 | 0 | 184857.05455
Delmas 18 | 115960.26256999999 | 115960.26256999999
Delmas 71 | 0 | 0 | 0 | 0 | 874394.1479399999 | 0 | 0 | 0 | 874394.1479399999
Kiosque Mégamart | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Delmas 35 | 544264.915211296
Delmas 64 | 1027117.6793710559
Delmas 75 | 29634.40163
Pétion-Ville | 5518310.883107839 | 2038671.0193599998 | 7431640.233903871 | 3675821.2064 | 14182260.582730003 | 3232571 | 644610.8378799999 | 0 | 36723885.76338171
P-V 1 | 197206.012181104 | 2038671.0193599998 | 3343883.96898872 | 2347580.14958 | 3603613.09376 | 2045114 | 644610.8378799999 | 0 | 14220679.081749825
Place Boyer | 440536.569433584 | 0 | 219253.32851574395 | 0 | 0 | 218879 | 0 | 0 | 878668.897949328
Choucoune Plaza | 1700467.571753424 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1700467.571753424
P-V 2 | 0 | 0 | 3091198.3810539516 | 0 | 8876307.574620001 | 968578 | 0 | 0 | 12936083.955673952
P-V 3 | 3180100.729739728 | 0 | 0 | 783009.7490699999 | 1636561.19504 | 0 | 0 | 0 | 5599671.673849728
P-V 4 | 0 | 0 | 0 | 545231.30775 | 30387.91811 | 0 | 0 | 0 | 575619.22586
Juvénat | 777304.5553454559 | 35390.8012
Lalue | 77207.57481451199 | 0 | 70425.819724704 | 404637.14577999996 | 373611.33445 | 0 | 0 | 0 | 925881.8747692159
Champs de Mars | 0 | 0 | 0 | 81831.31387 | 0 | 0 | 0 | 0 | 81831.31387
Laboule | 0 | 0 | 0 | 0 | 142235.14612 | 152695 | 0 | 0 | 294930.14612
Aéroport | 0 | 303.92064 | 134984.861107824 | 1369980.04262 | 58620.54714 | 882780 | 0 | 0 | 2446669.371507824
Aéroport 2 | 0 | 0 | 0 | 839388.07133 | 0 | 44655 | 0 | 0 | 884043.07133
Carrefour | 252180.59753047998 | 0 | 11017.852323328 | 917786.42893 | 0 | 91988 | 0 | 0 | 1272972.878783808
Arcachon | 98643.447129968 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 98643.447129968
Carrefour | 153537.15040051198 | 0 | 0 | 824567.81038 | 0 | 0 | 0 | 0 | 978104.9607805121
Truitiers | 0 | 0 | 0 | 93218.61855000001 | 0 | 0 | 0 | 0 | 93218.61855000001
Thor | 0 | 0 | 0 | 0 | 470055.76587999996 | 0 | 0 | 0 | 470055.76587999996
Diquini | 0 | 0 | 0 | 160185.08107999997 | 0 | 170664 | 0 | 0 | 330849.08108
Rue du Quai | 0 | 0 | 0 | 24666.563469999997 | 0 | 0 | 0 | 0 | 24666.563469999997
Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Clercine | 0 | 0 | 0 | 0 | 348044.25011 | 0 | 0 | 348044.25011
Rue Cameau | 0 | 0 | 0 | 0 | 0 | 1009983 | 0 | 0 | 1009983
Parc Industriel | 791965.2015576318 | 500.41096 | 1563671.631515184 | 0 | 0 | 0 | 0 | 0 | 2356137.244032816
Varreux | 0 | 0 | 0 | 0 | 500086.77322000003 | 2393 | 0 | 0 | 502479.77322000003
Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Bourdon | 0 | 0 | 0 | 0 | 257714.84677999996 | 0 | 0 | 0 | 257714.84677999996
Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Bel-Air | 0 | 0 | 0 | 0 | 702.58766 | 0 | 0 | 0 | 702.58766
Canapé-Vert | 0 | 0 | 0 | 0 | 15244.12865 | 0 | 0 | 0 | 15244.12865
Rue Capois | 0 | 0 | 0 | 0 | 48124.61262 | 0 | 0 | 0 | 48124.61262
Damien | 230068.527255184 | 0 | 0 | 245383.53154000003 | 276854.64131 | 0 | 0 | 0 | 752306.700105184
Frères | 133692.817359024 | 0 | 29040.723935503996 | 311778.26966 | 601714.21283 | 33679 | 0 | 0 | 1109905.023784528
Portail Léogane | 0 | 0 | 0 | 67983.71389 | 23788.05415 | 0 | 0 | 0 | 91771.76804
Croix des Bossales | 0 | 0 | 0 | 0 | 269.24336 | 0 | 0 | 0 | 269.24336
Monseigneur Guilloux | 0 | 0 | 0 | 0 | 8739.94092 | 0 | 0 | 0 | 8739.94092
Martissant | 0 | 0 | 0 | 0 | 77821.30224 | 0 | 0 | 0 | 77821.30224
Nazon | 0 | 0 | 0 | 0 | 117151.23108 | 0 | 0 | 0 | 117151.23108
Croix des Bouquets | 85947.21432152 | 0 | 0 | 99848.92012000001 | 163841.56083 | 0 | 0 | 0 | 349637.69527152006
Lathan | 0 | 0 | 0 | 128551.34022 | 141742.69358000002 | 0 | 0 | 0 | 270294.03380000003
Turgeau | 331166.54326006403 | 0 | 0 | 545831.96014 | 3862955.0408699997 | 0 | 332481.00455 | 0 | 5072434.5488200635
Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Tabarre | 141587.117986592 | 0 | 207469.50729796797 | 96734.77872 | 261091.64953999998 | 375777 | 0 | 0 | 1082660.05354456
Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Grand Rue | 0 | 0 | 0 | 0 | 147536.36935 | . | 0 | 0 | 147536.36935
Avenue Christophe | 0 | 0 | 0 | 0 | 107809.02511 | 0 | 0 | 0 | 107809.02511
Autres succursales non précisées | 0 | 0 | 0 | 0 | 646235.8058000001 | 751277 | 0 | 0 | 1397512.8058000002
TOTAL | 9933016.758873967 | 2173642.962 | 11106479.64928624 | 20677034.79185 | 30320300.133839995 | 9926390 | 2971696.56417 | 0 | 87108560.86002025
0
VILLES DE PROVINCES
Aquin | 206765.085852624 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 206765.085852624
Jacmel | 103191.62632795198 | 0 | 0 | 91919.82955000001 | 57574.88091 | 0 | 0 | 0 | 252686.336787952
Hinche | 193947.577904288 | 0 | 0 | 79054.92469999999 | 16204.2788 | 11690 | 0 | 0 | 300896.781404288
Cap-Haïtien | 277946.58193108795 | 0 | 795142.0039599519 | 2442048.88298 | 575686.42687 | 91354 | 0 | 0 | 4182177.8957410404
Cap-Haïtien 1 | 277946.58193108795 | 0 | 126531.08163553599 | 736871.7553300001 | 211074.03750999997 | 66041 | 0 | 0 | 1418464.4564066238
Cap-Haïtien 2 | 0 | 0 | 668610.922324416 | 1705177.1276500002 | 364612.38936 | 25313 | 0 | 0 | 2763713.4393344163
Cayes | 194353.92779387202 | 0 | 30125.037139856 | 144154.34045999998 | 341793.48801 | 3343 | 0 | 0 | 713769.7934037279
Cayes 1 | 108301.657837872 | 0 | 30125.037139856 | 0 | 301463.51019999996 | 0 | 0 | 0 | 439890.20517772797
Cayes 2 | 86052.269956 | 0 | 0 | 0 | 40329.977810000004 | 0 | 0 | 0 | 126382.24776600001
Cabaret | 27278.410045344 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 27278.410045344
Cap Saint-Michel | 0 | 0 | 0 | 190499.50074000002 | 0 | 0 | 0 | 0 | 190499.50074000002
Ouanaminthe | 1203.752984368 | 0 | 12204.514896703999 | 2928.97141 | 25619.408620000002 | 0 | 0 | 0 | 41956.647911072
Fort-Liberté | 10640.031984063999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10640.031984063999
Gonaïves | 212916.222490992 | 0 | 58824.768845759994 | 148661.50284 | 230103.47895 | 13961 | 0 | 0 | 664466.973126752
Port-de-Paix | 109845.35470863999 | 0 | 645577.051735392 | 89984.00652 | 151924.79671 | 0 | 0 | 0 | 997331.209674032
Petit-Goave | 19867.976293088 | 0 | 0 | 46310.28887999999 | 58050.56278 | 0 | 0 | 0 | 124228.82795308798
Miragoane | 41626.036377072 | 0 | 0 | 89487.70796000001 | 63454.47729 | 0 | 0 | 0 | 194568.22162707202
Mirebalais | 0 | 0 | 0 | 240456.07154 | 51967.09761 | 0 | 0 | 0 | 292423.16915
Jérémie | 90198.09613884799 | 0 | 0 | 50714.78672 | 30313.556800000002 | 0 | 0 | 0 | 171226.439658848
La Gonave | 0 | 0 | 0 | 0 | 44148.68432 | 0 | 0 | 0 | 44148.68432
Léogane | 145283.40295768 | 0 | 0 | 333287.26039999997 | 107217.24518000001 | 0 | 0 | 0 | 585787.9085376799
Fonds-des-Nègres | 74213.072534352 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 74213.072534352
Limbé | 0 | 0 | 0 | 0 | 38296.93664 | 0 | 0 | 0 | 38296.93664
Vertières | 420073.16995828797 | 0 | 0 | 275848.77384 | 270410.88334000006 | 32301 | 0 | 0 | 998633.8271382881
L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
ANSE-A-VEAU | 8048.809196768001
St-Marc | 316004.67113233596 | 0 | 7728.856292991999 | 306940.40158999996 | 163180.55513999998 | 4655 | 0 | 0 | 798509.4841553279
Belladerre | 8115.916422559999 | 8115.916422559999
TOTAL | 2461519.7230342235 | 0 | 1549602.2328706558 | 4532297.2501300005 | 2225946.7579699997 | 157304 | 0 | 0 | 10918621.154808113
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 | 12394536.481908191 | 2173642.962 | 12656081.882156895 | 25209332.041980002 | 32546246.891809992 | 10083694 | 2971696.56417 | 0 | 98027182.01482837
[pageintsect2]
SECTION 2
SOMMAIRE FINANCIER - SYSTÈME BANCAIRE
[sofiinfisys]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER
INDICATEURS FINANCIERS
Var.mars 25 | 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 | 0.017057464017715795 | 678128438.2249104 | 0 | 0 | 0 | 0 | 0.048079685404331905 | 647019923.8365159 | 0.017974913227978225 | 635595156.0582457 | 0.04161392099200667 | 610202247.9239918 | 0.17290052170374615 | 520250640.72579384
Bons B.R.H. | 20750000 | 0.2987951807228916 | 26950000 | 0 | 0 | 0 | 0 | 0.2222222222222222 | 22050000 | 7.647058823529412 | 2550000 | 2.1875 | 800000 | -0.8688524590163934 | 6100000
Prêts Nets | 117701999.50510453 | -0.03370783791806834 | 113734519.5831539 | 0 | 0 | 0 | 0 | -0.007212550479834726 | 114560795.10082863 | -0.15246437721745532 | 135169297.92840332 | -0.09594376937513038 | 149514259.56654975 | 0.14613191738166265 | 130451178.69862218
Dépôts | 542053058.2406099 | 0.023491463090291303 | 554786677.6512487 | 0 | 0 | 0 | 0 | 0.047961966353703755 | 529395813.4583669 | 0.02099618106395864 | 518509102.45981 | 0.03664232159259115 | 500181298.4667901 | 0.18010628579134236 | 423844279.5272327
Avoir des Actionnaires | 57506868.29940292 | 0.007795967632426345 | 57955189.98330727 | 0 | 0 | 0 | 0 | 0.08514078107683634 | 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 - mars. 25) | (oct. 23- mars. 24)
Résultats
Revenus nets d'intérêt | 5362688.526031733 | -0.06629232366974103 | 5743434.11966864 | 5280254.472572907 | -0.03662599260744587 | 5481001.596528769 | 0 | 0 | 5556091.395330159 | 0 | 0 | 5470921.523091253 | 10642942.998604639 | -0.05180596444181549 | 11224435.716197405
Autres revenus | 3551855.1976887765 | -0.081944460990452 | 3868889.2411898365 | 3868433.2349221557 | 0.13053865465172762 | 3421761.1392631778 | 0 | 0 | 3109891.98995077 | 0 | 0 | 4553687.339512028 | 7420288.432610932 | 0.017781411176359525 | 7290650.380453015
Dot. à la provision pr créances douteuses | 463140.4115434877 | -0.5273693409800629 | 979920.3727152854 | 334821.83768223535 | -0.5907450279292141 | 818125.277716415 | 0 | 0 | 893292.1615534102 | 0 | 0 | 709912.9589728992 | 797962.2492257231 | -0.556205789861822 | 1798045.6504317005
Dépenses d'exploitation | 6545529.767687133 | 0.04481326056868399 | 6264784.354023656 | 6431239.15870914 | 0.018568615545087465 | 6313996.9763033185 | 0 | 0 | 6411316.498187465 | 0 | 0 | 6774274.681158322 | 12976768.926396273 | 0.03163959891009198 | 12578781.330326974
Bénéfice net | 1610910.6797529212 | -0.14505834538443896 | 1884234.6387687642 | 1970296.9205225818 | 0.3065682794399512 | 1507993.8427459237 | 0 | 0 | 1030811.1988509672 | 0 | 0 | 2091577.2092409127 | 3581207.6002754983 | 0.05570943106887372 | 3392228.481514686
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 - mars. 25) | (oct. 23- mars. 24) | 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 | 0.0854634413135844 | 0.08447347787812805 | 0 | 0.08162269793975034 | 0 | 0.08254623737158383 | 0.0854634413135844 | 0.08447347787812805 | 0.08254458614727032 | 0.08024726227101067 | 0.07397907273039252 | 0.07699229990709759
Dépôts en % de l'actif | 0.8129715223569435 | 0.8092478228074719 | 0.8181144549894931 | 0.8072998876040913 | 0 | 0.816715603520713 | 0 | 0.8182041650510139 | 0.8181144549894931 | 0.8072998876040913 | 0.8182063549439176 | 0.8157851700372211 | 0.8196975677629654 | 0.8146924700293188
Qualité de l'actif
Prêts improductifs bruts
en % des prêts bruts | 0.10364293963986568 | 0.08773775090068439 | 0.13676832799521493 | 0.12813520542710025 | 0 | 0.12021049476337706 | 0 | 0.10365241934999575 | 0.1367683279952149 | 0.12813520542710025 | 0.10365241934999576 | 0.0850650584764555 | 0.06674650919428594 | 0.0560625008532209
Provisions pour créances douteuses
en % des prêts improductifs bruts | 0.8153493738683166 | 0.8470827182282726 | 0.6515708499211342 | 0.5949891682704127 | 0 | 0.6605006997802079 | 0 | 0.827700495458214 | 0.6515708499211341 | 0.5949891682704127 | 0.8277004954582138 | 0.7938214552869993 | 0.8951093289409422 | 1.0311341084197292
Prêts improductifs nets
en % de l'avoir des actionnaires (tx. d'exposition) | 0.04269065069449065 | 0.034151735287229146 | 0.10266823065442177 | 0.12697282561688436 | 0 | 0.09962020913519354 | 0 | 0.041902403238533566 | 0.1026682306544218 | 0.12697282561688436 | 0.04190335301582836 | 0.04984543795117829 | 0.02466152296339713 | -0.006033336650386162
Rentabilité
ROA (rendement de l'actif) | 0.009809353503965695 | 0.011899495200920826 | 0.011720251427068604 | 0.009433757291288774 | 0 | 0.006376182901663592 | 0 | 0.013332535133464888 | 0.010809982347046797 | 0.010572206240376962 | 0.010158335094798817 | 0.015990419660432787 | 0.01609198724553268 | 0.018894056402956595
ROE ( rendement avoir des action.) | 0.11619079194238982 | 0.1441939743070552 | 0.13651562771890222 | 0.1153013030285386 | 0 | 0.07677456761541192 | 0 | 0.1624234829381882 | 0.12863165515113525 | 0.12833375493922486 | 0.12478583461731642 | 0.20719138403610818 | 0.2135184205617245 | 0.22593275500188215
Revenus nets d'intérêts
en % des revenus d'intérêt | 0.8357857136920575 | 0.8459431221062925 | 0.8361805645943434 | 0.8487401626903636 | 0 | 0.842606579513076 | 0 | 0.8356166215835974 | 0.835981563379315 | 0.8473066374652628 | 0.8432317870195886 | 0.8581686138445854 | 0.8366368653542322 | 0.8238534845742289
Rendement moyen des prêts | 0.10745285735619571 | 0.12285654035724725 | 0.10045385552220734 | 0.11219086594005472 | 0 | 0.1148661139265196 | 0 | 0.11481163114742397 | 0.10528383080831419 | 0.11585288901303678 | 0.11462409373073733 | 0.11849612948383223 | 0.09757312636359047 | 0.10019938664732281
Rendement moyen des prêts productifs | 0.11987791881073237 | 0.13576242450571444 | 0.11414976138783292 | 0.1257381480156025 | 0 | 0.13116354774878294 | 0 | 0.12929802644722643 | 0.11966527202003031 | 0.1295525590357718 | 0.12647243261518062 | 0.1281707420455697 | 0.10399743464962523 | 0.10586862841677029
Rémunération moyenne des dépôts | 0.007867144045943979 | 0.008123586374594472 | 0.007545135098730542 | 0.007560357318195583 | 0 | 0.007906007457224494 | 0 | 0.008149039239149584 | 0.0077039828869744365 | 0.007768461271028739 | 0.00789546015903963 | 0.007503545317516618 | 0.006981018553340822 | 0.0083099864925933
Dépenses d'exploitation
en % du produit net bancaire | 0.7342529209061233 | 0.6517450692029307 | 0.7029684873209024 | 0.7092177073212382 | 0 | 0.7398256162222755 | 0 | 0.6755921949130931 | 0.7184079424443823 | 0.6793801154725719 | 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 | 7554.655414942249 | 7186.892218600965 | 0 | 7039.076767412675 | 0 | 8283.09494947596 | 7495.116776437995 | 7498.263074476226 | 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 Mars 2025
ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US
Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang
UNIBK | 255289746.49040824 | 0.3764622335536649 | 1 | UNIBK | 42757768.152660005 | 0.34244169325622215 | 1 | UNIBK | 216119562.60315388 | 0.3895543482012224 | 1 | UNIBK | 158645726.4219839 | 0.43186119793773864 | 1
SOGEBK | 177120259.57482997 | 0.26118984191028083 | 2 | SOGEBK | 29611055.53828 | 0.23715129286985048 | 2 | SOGEBK | 147639941.46078536 | 0.2661201997240372 | 2 | SOGEBK | 100911508.17694536 | 0.27469863695591223 | 2
BNC | 125070124 | 0.18443427078119207 | 3 | BNC | 20307593 | 0.1626410084841058 | 3 | BNC | 97343765 | 0.17546161240229433 | 3 | BNC | 39819655 | 0.10839601102160226 | 3
CAPITALBK | 54041995 | 0.07969286045791261 | 4 | BUH | 13495290.90427637 | 0.1080821209317071 | 4 | CAPITALBK | 42374213 | 0.07637929082831614 | 4 | CAPITALBK | 31720988 | 0.08635003404384375 | 4
BUH | 47135987.83401071 | 0.06950893839136921 | 5 | CAPITALBK | 12198966 | 0.09770001460553784 | 5 | BUH | 38734440.57715042 | 0.06981862062935072 | 5 | BUH | 27529779.587390415 | 0.07494083742255056 | 5
SOGEBL | 12085460.702821346 | 0.017821787174206433 | 6 | SOGEBL | 5190585.131901346 | 0.04157075634099227 | 6 | SOGEBL | 8076801.44909903 | 0.014558391133855396 | 6 | SOGEBL | 6207544.323874031 | 0.01689801287700092 | 6
BPH | 7384864.62284 | 0.01089006773137379 | 7 | BPH | 1300196.50657 | 0.010413113511584365 | 7 | BPH | 4497953.56106 | 0.008107537080923767 | 7 | BPH | 2518307.3939699996 | 0.006855269741351464 | 7
CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8
TOTAL | 678128438.2249104 | 0.9999999999999998 | TOTAL | 124861455.23368771 | 1.0000000000000002 | TOTAL | 554786677.6512487 | 1 | TOTAL | 367353508.9041638 | 0.9999999999999997
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 | SOGEBK | 43462043.902329996 | 0.338803713123113 | 1 | UNIBK | 205519984.5728756 | 0.3791510470210245 | 1 | UNIBK | 149269492.20128557 | 0.4231117366544309 | 1
SOGEBK | 175590326.47918 | 0.2633504836081323 | 2 | UNIBK | 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 | BUH | 41021530 | 0.07567807131860348 | 4 | CAPITALBK | 29741201 | 0.08430290087896554 | 4
BUH | 47006480.58155779 | 0.07050034954708818 | 5 | CAPITALBK | 11882913 | 0.09263197690762717 | 5 | CAPITALBK | 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 | UNIBK | 42406567.365839995 | 0.3384087371369686 | 1 | UNIBK | 202184009.08663866 | 0.3819146354139783 | 1 | UNIBK | 149776195.82776865 | 0.421818683535443 | 1
SOGEBK | 168891239.55850002 | 0.2610294263537612 | 2 | SOGEBK | 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 | 5 | BUH | 12642981.978719886 | 0.10089228699304086 | 4 | CAPITALBK | 40437869 | 0.07638494293302556 | 4 | CAPITALBK | 29953141 | 0.08435782758763993 | 4
BUH | 46339942.645078175 | 0.07162058066203693 | 4 | CAPITALBK | 11926443 | 0.09517423278681103 | 5 | BUH | 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
CBNA | 3082081 | 0.004763502461755346 | 7 | BPH | 1311166.83193032 | 0.01046324518420805 | 7 | BPH | 4589224.614600001 | 0.008668796575137461 | 7 | BPH | 2716745.03886 | 0.007651241303465571 | 7
BPH | 5454045.17454032 | 0.008429485667458993 | 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
[partdemarc. (2)]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER
PARTS DE MARCHÉ
(En milliers de gourdes et en pourcentage )
POUR LE DEUXIEME TRIMESTRE DE L'EXERCICE 2024-2025
AU 31 Mars 2025
PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.)
Montant | % | Rang | Montant | % | Rang | Montant | % | Rang
UNIBK | 233224954.8187494 | 0.37606419732790897 | 1 | UNIBK | 3737898.85082 | 0.4085721330019524 | 1 | UNIBK | 974084.5975099998 | 0.49438467236280487 | 1
SOGEBK | 164403823.88780534 | 0.26509338212137185 | 2 | SOGEBK | 2101331.43757 | 0.2296866506710557 | 2 | SOGEBK | 446718.17464000033 | 0.2267263223055322 | 2
BNC | 113080226 | 0.18233651050504926 | 3 | BNC | 1360004 | 0.14865563712332389 | 3 | BNC | 239026 | 0.12131471024001966 | 3
CAPITALBK | 48879061 | 0.0788151716242895 | 4 | CAPITALBK | 1001576 | 0.10947755918911285 | 4 | CAPITALBK | 172859 | 0.08773246214796532 | 4
BUH | 43736253.28361344 | 0.07052263767406229 | 5 | BUH | 628522.2925850628 | 0.06870081400528578 | 5 | SOGEBL | 64288.835060000005 | 0.03262900854707152 | 5
SOGEBL | 10885987.307579031 | 0.01755313912324704 | 6 | SOGEBL | 225845.55835 | 0.02468611516436133 | 6 | BUH | 50998.67241258118 | 0.025883749744203436 | 6
BPH | 5962941.98249 | 0.009614961624071102 | 7 | BPH | 93509.56817000001 | 0.010221090844907984 | 7 | BPH | 22321.640900000013 | 0.011329074652402973 | 7
CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8
TOTAL | 620173248.2802372 | 1 | TOTAL | 9148687.707495064 | 0.9999999999999999 | TOTAL | 1970296.9205225813 | 1.0000000000000002
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 | 0.4705159452611374 | 1
SOGEBK | 162792242.85988367 | 0.2672017500034479 | 2 | SOGEBK | 2013964.0754 | 0.22591891832232402 | 2 | BNC | 380251 | 0.236047232626551 | 2
BNC | 113203000 | 0.1858076231044682 | 3 | BNC | 1658491 | 0.18604328515288546 | 3 | SOGEBK | 347873.6 | 0.2159484145573207 | 3
CAPITALBK | 47529091 | 0.0780126624473377 | 4 | CAPITALBK | 973790 | 0.10923610116004749 | 4 | CAPITALBK | 135670 | 0.08421944465746092 | 4
BUH | 43655059.348844856 | 0.0716539562917357 | 5 | BUH | 571716.5601905098 | 0.06413301430888066 | 5 | BUH | 36593.087292922966 | 0.022715777180747125 | 5
SOGEBL | 10717809.610629406 | 0.01759185470912675 | 6 | SOGEBL | 119691.85485999999 | 0.013426582287270028 | 6 | SOGEBL | 17120.713379999987 | 0.010627972086704206 | 6
BPH | 6160645.97788 | 0.010111878536240073 | 7 | BPH | 46991.408480000006 | 0.005271319535397154 | 7 | BPH | -16025.9 | -0.00994834818409378 | 7
CBNA | 580926 | 0.0009535125328797496 | 8 | CBNA | 42164 | 0.0047297990011319095 | 8 | CBNA | -48531 | -0.030126438185827643 | 8
TOTAL | 609248415.6925732 | 0.9999999999999999 | TOTAL | 8914543.72372051 | 1 | TOTAL | 1610910.646012923 | 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
[partdemarc. (3)]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER
PARTS DE MARCHÉ
(En milliers de gourdes et en pourcentage )
CUMUL 2025 (Octobre 2024 - Mars 2025)
REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.)
Montant | % | Rang | Montant | % | Rang
UNIBK | 7225633.675610001 | 0.4000188838373173 | 1 | UNIBK | 1732043.742850001 | 0.4836479579448992 | 1
SOGEBK | 4115295.51297 | 0.22782720404380377 | 2 | SOGEBK | 794591.8188700003 | 0.22187817841358085 | 2
BNC | 3018495 | 0.16710714312078484 | 3 | BNC | 619277 | 0.17292407174394428 | 4
CAPITALBK | 1975366 | 0.10935839512006224 | 4 | CAPITALBK | 308529 | 0.0861522241760753 | 3
BUH | 1200238.8527755723 | 0.06644651912621825 | 5 | BPH | 87591.75970550414 | 0.02445872160518302 | 5
SOGEBL | 345537.41321 | 0.019129324369551465 | 6 | SOGEBL | 81409.54844000004 | 0.02273242926038053 | 7
BPH | 140500.97665000003 | 0.007778285805893866 | 7 | BUH | 6295.730410000018 | 0.0017579909105285274 | 6
CBNA | 42164 | 0.0023342445763682804 | 8 | CBNA | -48531 | -0.01355157405459166 | 8
TOTAL | 18063231.431215573 | 1 | TOTAL | 3581207.6002755053 | 1
CUMUL 2024 (Octobre 2023 - Mars 2024)
REVENUS BRUTS (P.N.B.) | REVENUS NETS
Montant | % | Rang | Montant | % | Rang
UNIBK | 7099552.04882 | 0.38344688281543476 | 1 | UNIBK | 1652919.9593100008 | 0.48726669453937943 | 1
SOGEBK | 4069414.7122100005 | 0.2197891325466859 | 2 | BNC | 827682 | 0.24399358843612612 | 2
BNC | 3475585 | 0.18771638337824262 | 3 | SOGEBK | 428832.81375000067 | 0.12641625294016734 | 3
CAPITALBK | 2132046 | 0.11515182748114307 | 4 | CAPITALBK | 447078 | 0.13179477810420717 | 4
BUH | 1193719.549073399 | 0.06447280573485185 | 5 | BUH | 6088.607077863382 | 0.0017948693936868055 | 5
SOGEBL | 270340.460637024 | 0.014601091198054516 | 6 | SOGEBL | 50065.11203682399 | 0.014758767668405713 | 6
CBNA | 187414 | 0.010122232163635751 | 7 | CBNA | 51255 | 0.015109536482965251 | 7
BPH | 87014.32591 | 0.0046996446819516455 | 8 | BPH | -71693.01065999999 | -0.021134487564937788 | 8
TOTAL | 18515086.09665042 | 1 | TOTAL | 3392228.4815146886 | 1
[partdemarc. (4)]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER
CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ
(En milliers de gourdes )
AU 31 Mars 2025
Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang
UNIBK | 41585562.47213001 | 1 | SOGEBL | 69207.80175868461 | 1 | SOGEBK | 3690998.536519634 | 1 | UNIBK | 141116.26679931695 | 1
SOGEBK | 26998490.269369997 | 2 | BUH | 28836.091675804208 | 2 | UNIBK | 3601992.7100525647 | 2 | SOGEBK | 138045.76106665298 | 2
BNC | 15185875 | 3 | UNIBK | 27918.882241371208 | 3 | SOGEBL | 2692267.149699677 | 3 | BNC | 126338.43608046723 | 3
BUH | 13159416.355192548 | 4 | SOGEBK | 27686.821447667135 | 4 | BNC | 2433594.125 | 4 | SOGEBL | 107690.68598798708 | 4
CAPITALBK | 11784089 | 5 | BNC | 26356.38286826736 | 5 | CAPITALBK | 1694968.52 | 5 | BUH | 82765.89866912483 | 5
SOGEBL | 4854975.250171347 | 6 | CAPITALBK | 15599.700767263426 | 6 | BUH | 1613935.0240479342 | 6 | CAPITALBK | 54186.97314578005 | 6
BPH | 166111.2362899999 | 7 | BPH | 9092.283262727273 | 7 | BPH | 749658.9268433334 | 7 | BPH | 31454.220706713288 | 7
CBNA | 0 | 8 | CBNA | 0 | 8 | CBNA | 0 | 8 | CBNA | 0 | 8
TOTAL | 113734519.58315389
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 | 3519613.612929524 | 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 | SOGEBK | 3519613.612929524 | 1 | CBNA | 161623.5 | 1
SOGEBK | 28451664.77642 | 2 | UNIBK | 27140.203114137596 | 2 | UNIBK | 3369733.484777311 | 2 | UNIBK | 131330.95750999587 | 2
BNC | 15801864 | 3 | BUH | 27130.862615278726 | 3 | SOGEBL | 2728599.4943089937 | 3 | SOGEBK | 128160.71417130719 | 3
BUH | 12398174.758378172 | 4 | SOGEBK | 26995.980491047787 | 4 | BNC | 2328583.1 | 4 | BNC | 118653.91592356688 | 4
CAPITALBK | 11569274 | 5 | BNC | 25892.604938271605 | 5 | CBNA | 1939482 | 5 | SOGEBL | 113691.64559620807 | 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
[partdemarc. (5)]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER
CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ
(En milliers de gourdes et en pourcentage)
TRIM 2 2025 | AU 31 Mars 2025
COEFICIENT
D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang
CBNA | 0 | 1 | SOGEBL | 12207.86801891892 | 1 | UNIBK | 166692.61932119375 | 1
SOGEBL | 0.5037917245805335 | 2 | UNIBK | 9762.7132897682 | 2 | SOGEBK | 165610.3408834315 | 2
UNIBK | 0.6432933782471133 | 3 | SOGEBK | 7859.117111061244 | 3 | BNC | 162323.3277092797 | 3
SOGEBK | 0.6526872674669684 | 4 | BNC | 7060.371187540558 | 4 | SOGEBL | 161139.47603761795 | 4
BPH | 0.7612903006950117 | 5 | BUH | 5371.985406709939 | 5 | BUH | 100717.92272224512 | 5
CAPITALBK | 0.8077080521098748 | 6 | CAPITALBK | 5123.150895140665 | 6 | CAPITALBK | 69107.4104859335 | 6
BNC | 0.8242461051585143 | 7 | BPH | 2615.652256503497 | 7 | BPH | 51642.40994993007 | 7
BUH | 0.8595323684816253 | 8 | CBNA | 0 | 8 | CBNA | 0 | 8
SOGEBK | 0 | 9 | PROMOBK | #REF! | 9 | 9 | SCOTIA | #REF! | 9 | SCOTIA | #REF! | 9
UNIBK | 0 | 10 | UNIBK | 0 | 10
SOCABEL | #REF! | 13 | SOCABEL | #REF! | 13
AU 30 JUIN 2004 | TRIM 1 2025 | AU 31 Décembre 2024
COEFICIENT
R.O.A. | Rang | R.O.E. | Rang | D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang
BNC | 0.6682218956871036 | 1 | CBNA | 16865.6 | 1 | BNC | 162277.7558420909 | 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 | SOGEBL | 159962.67757864742 | 4
CAPITALBK | 0.8366660162868791 | 5 | SOGEBL | 6469.829992432432 | 5 | CBNA | 116289.2 | 5
BUH | 0.9311536181840493 | 6 | CAPITALBK | 5152.328042328042 | 6 | BUH | 100872.27592608967 | 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
BUH | 0.004333744230071405 | 9 | UNIBK | 0.18093894075540598 | 9
CAPITALBK | 0.012915179983761044 | 10 | CAPITALBK | 0.12966171381207905 | 10
SOGEBK | 0.01013223174586759 | 11 | BICH | 11
BICH | #REF! | 12 | SOGEBK | 12
SOCABEL | #REF! | 13 | SOCABEL | 13
TRIM 4 2024 | AU 30 Septembre 2024
AU 31 MARS 2004 | COEFICIENT
D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang
R.O.A. | Rang | R.O.E. | Rang
SOGEBL | 0.5448664646884424 | 1 | CBNA | 23769.666666666668 | 1 | CBNA | 256840.08333333334 | 1
CBNA | 0 | 1 | CBNA | 0 | 1 | UNIBK | 0.5509580306797519 | 2 | SOGEBL | 11168.058937220609 | 2 | SOGEBL | 167526.19886902987 | 2
BNC | 0.007648097905019327 | 2 | BPH | 0.0632896087288983 | 2 | SOGEBK | 0.7143760004947519 | 3 | UNIBK | 10234.134193933096 | 3 | UNIBK | 156246.17222566897 | 3
BPH | 0.011948597774023717 | 3 | SCOTIA | 0 | 3 | BNC | 0.7307630876852278 | 4 | BNC | 8837.110828025478 | 4 | SOGEBK | 153747.14570641785 | 4
SCOTIA | 0 | 4 | BNC | 0.08054532350888366 | 4 | CBNA | 0.7373122607244528 | 5 | SOGEBK | 8010.7438854801985 | 5 | BNC | 150802.5566858726 | 5
SOGEBL | 0.021498856957634017 | 5 | SOGEBL | 0.22179061340958267 | 5 | CAPITALBK | 0.8194718761706639 | 6 | CAPITALBK | 6827.918367346939 | 6 | BUH | 99335.35400874207 | 6
PROMOBK | #REF! | 6 | PROMOBK | #REF! | 6 | BUH | 0.8654414157550487 | 7 | BUH | 5145.252633340285 | 7 | CAPITALBK | 71115.2925170068 | 7
SOCABK | #REF! | 7 | SOCABK | #REF! | 7 | BPH | 2.2717472124815346 | 8 | BPH | 739.1328582641511 | 8 | BPH | 41162.60509087034 | 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.24 | Sept.23 | Sept. 22 | Sept. 21
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER
BILAN - ANALYSE DES VARIATIONS
(En milliers de gourdes)
Var.mars 25 | 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 | -0.08846805574342705 | 21595811.57847742 | 0 | 0 | 0 | 0 | -0.3862844795236139 | 35188635.21931797 | 0.21951771525817343 | 28854550.26938128 | 0.4348459059883045 | 20109859.98493449 | 0.10936239656836208 | 18127403.675427593
Avoirs à la BRH | 258004576.23362792 | 0.02534824147280067 | 264544538.53308553 | 0 | 0 | 0 | 0 | 0.11906883363953694 | 236397020.97029173 | -0.0011474979985516304 | 236668597.71248683 | 0.03242910831152402 | 229234720.14416966 | 0.17799247816585675 | 194597779.18199432
Avoirs à l'étranger | 29541917.12991929 | 0.25551505284488585 | 37090321.646509856 | 0 | 0 | 0 | 0 | 0.12074220403529007 | 33094427.525763053 | -0.03360030921016478 | 34245072.5524499 | -0.055013371180941545 | 36238684.768741824 | -0.11607028552863714 | 40997246.9252428
Avoirs dans les banques locales | 600994.1598332511 | 0.04723448967179632 | 629381.8122687048 | 0 | 0 | 0 | 0 | 0.058325250522360726 | 594696.0180323194 | -0.20266830723408696 | 745857.7445596596 | -0.04674204596827713 | 782430.1296465644 | 1.571935597492979 | 304218.3989401781
Autres liquidités | 1975965.563572478 | 0.0384066396873248 | 2051855.7610071679 | 0 | 0 | 0 | 0 | -0.23056128735397405 | 2666691.6120596956 | -0.4858198618270421 | 5186298.369157706 | 1.0609117460415234 | 2516506.773819519 | 0.46681532692001537 | 1715626.178452622
313815230.11632574 | 0.03854713874319936 | 325911909.3313488 | 0 | 0 | 0 | 0 | 0.058356667282802706 | 307941471.34546477 | 0.007331017128610271 | 305700376.6480354 | 0.05821810669488948 | 288882201.801312 | 0.12958329835839766 | 255742274.3600575
Bons B.R.H. | 20750000 | 0.2987951807228916 | 26950000 | 0 | 0 | 0 | 0 | 0.2222222222222222 | 22050000 | 7.647058823529412 | 2550000 | 2.1875 | 800000 | -0.8688524590163934 | 6100000
Bons du Trésor / M.E.F. | 34923000 | -0.012656415542765512 | 34481000 | 0 | 0 | 0 | 0 | 0.18134974201549964 | 29187800 | -0.15873180573569678 | 34695000 | -0.13186538220943325 | 39965000 | 0.5110783424077435 | 26448000
Autres Placements | 136879738.01152942 | 0.004259428693171963 | 137462767.4951296 | 0 | 0 | 0 | 0 | 0.030662408758722882 | 133373223.2076677 | 0.11698893990109989 | 119404246.9386284 | 0.21579026599419945 | 98211221.35814014 | 0.33329401187026897 | 73660588.35018319
Portefeuille net | 117701999.50510453 | -0.03370783791806834 | 113734519.5831539 | 0 | 0 | 0 | 0 | -0.007212550479834726 | 114560795.10082863 | -0.15246437721745532 | 135169297.92840332 | -0.09594376937513038 | 149514259.56654975 | 0.14613191738166265 | 130451178.69862218
Immobilisations | 21887939.36028 | -0.017470761204783757 | 21505540.39845176 | 0 | 0 | 0 | 0 | -0.010847962080981712 | 21741390.174654238 | 0.0703330966185059 | 20312732.77762 | 0.4541137359541169 | 13969149.919549998 | 0.04526091416921278 | 13364270.80568
Autres actifs | 20797376.966898624 | -0.13052970835663336 | 18082701.416826382 | 0 | 0 | 0 | 0 | -0.004543984712693254 | 18165244.007900625 | 0.02261616249116812 | 17763501.7655586 | -0.05815956312135178 | 18860415.278439935 | 0.3021256224470254 | 14484328.511251023
666755283.9601384 | 0.017057464017715795 | 678128438.2249104 | 0 | 0 | 0 | 0 | 0.048079685404331905 | 647019923.8365159 | 0.017974913227978225 | 635595156.0582457 | 0.04161392099200667 | 610202247.9239918 | 0.17290052170374615 | 520250640.72579384
PASSIF
Dépôts
À vue | 255784280.68752494 | 0.02635770765035489 | 262526167.97944304 | 0 | 0 | 0 | 0 | 0.04296511293393112 | 251711360.93031842 | 0.0222058812780259 | 246243311.19638354 | 0.04610915868696442 | 235389690.5992665 | 0.1810964519041873 | 199297602.0034321
Épargne | 186743588.47272012 | 0.04006346016172424 | 194225182.78995436 | 0 | 0 | 0 | 0 | 0.0867980129124904 | 178713229.5811379 | -0.003811851619361145 | 179397064.5722362 | 0.04299503188823448 | 172001839.97756577 | 0.20970385870819858 | 142185080.04202008
À terme | 99525189.08036487 | -0.014969699754205085 | 98035326.88185132 | 0 | 0 | 0 | 0 | -0.009456244322263972 | 98971222.94691056 | 0.06571099306672466 | 92868726.69119021 | 0.0008509429760196925 | 92789767.88995776 | 0.1266144747918965 | 82361597.48178053
542053058.2406099 | 0.023491463090291303 | 554786677.6512487 | 0 | 0 | 0 | 0 | 0.047961966353703755 | 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 | 650000 | 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 | -0.04628856220412979 | 34550608.52287741 | 0 | 0 | 0 | 0 | 0.06275432070030015 | 32510438.066354174 | 0.07581511403349182 | 30219354.27590774 | 0.28598038834438205 | 23499078.640548505 | 0.4066237528633815 | 16706015.800396381
36877528.740483165 | -0.04547268417595663 | 35200608.52287741 | 0 | 0 | 0 | 0 | 0.0488721408606279 | 33560438.06635417 | 0.08717654947990637 | 30869354.27590774 | 0.26002102890578793 | 24499078.640548505 | 0.440612482553231 | 17006015.800396383
Obligations à terme
Banques locales | 7741812.50712 | 0.036314464141496645 | 8022952.2798 | 0 | 0 | 0 | 0 | 0.009341610922454578 | 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 | 12050986.189043008 | -0.05344515784673381 | 11406919.329960795 | 0 | 0 | 0 | 0 | -0.0972168497592594 | 12635281.603249872 | -0.1550749591336507 | 14954322.56368471 | 0.2504686971211595 | 11958973.941621 | 0.20992854969449307 | 9884033.189100828
19792798.696163006 | -0.01833631978849801 | 19429871.609760795 | 0 | 0 | 0 | 0 | -0.05606829244290975 | 20583980.233109873 | -0.18447221717725734 | 25240072.33924471 | -0.1806223061738724 | 30803953.450801 | 0.007705997583081588 | 30568393.484490827
0 | 0 | 0 | 0 | 0 | 0
Autres passifs | 10525030.015317006 | 0.02195342727736128 | 10756090.496350313 | 0 | 0 | 0 | 0 | 0.06795180907366231 | 10071700.244302323 | 0.010012624974827838 | 9971855.791954419 | 0.04136867735531761 | 9575720.884249331 | 0.09104402553527072 | 8776658.558348682
609248415.6925731 | 0.017931655308853198 | 620173248.2802372 | 0 | 0 | 0 | 0 | 0.04474525333161366 | 593611932.0021331 | 0.01543225370918478 | 584590384.8669169 | 0.03456328822870118 | 565060051.4423889 | 0.1767295425427094 | 480195347.37046856
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
AVOIR DES ACTIONNAIRES
Capital versé | 21878488.76157 | -0.006094250907960429 | 21745155.76157 | 0 | 0 | 0 | 0 | -0.006304313065459394 | 21883113.76157 | -1.960377278369081e-05 | 21883542.76157 | 0.4007524558119212 | 15622705.26157 | 0.08369008875558102 | 14416211.26157
Réserves | 9151922.4443 | 0.08247121217248601 | 9906692.581990002 | 0 | 0 | 0 | 0 | 0.084869074577812 | 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 | 3214263.27904 | 0 | 0 | 0 | 0 | 1.5637392762081486 | 1253740.31161 | -0.12900830653462425 | 1439440.03257 | 0.10354541335050162 | 1304377.70404 | -0.10000497777305484 | 1449316.57601
BNR | 23262193.814492926 | -0.007441922940122652 | 23089078.36070727 | 0 | 0 | 0 | 0 | 0.09222734415628123 | 21139443.618803572 | 0.06080118694317128 | 19927809.1682 | -0.0013569767384824854 | 19954887.486337997 | 0.16730818331487665 | 17094789.33804
57506868.29940292 | 0.007795967632426345 | 57955189.98330727 | 0 | 0 | 0 | 0 | 0.08514078107683634 | 53407991.84212357 | 0.04711756566755936 | 51004771.18639 | 0.12986906185756752 | 45142196.479417995 | 0.1269970257459187 | 40055293.35762
666755283.991976 | 0.017057464027094665 | 678128438.2635444 | 0 | 0 | 0 | 0 | 0.0480796854515038 | 647019923.8442566 | 0.017974913248066847 | 635595156.0533069 | 0.041613920987642654 | 610202247.9218069 | 0.1729005216943731 | 520250640.72808856
Hors-bilan
Effets à l'encaissement | 1635036.37998923 | -0.004039868372078457 | 1628431.048230514 | 0 | 0 | -0.0062571696087256245 | 1638684.575554964 | 1689770.930555273 | 1537300.341460401 | 1267194.203952186
Crédit documentaire | 3586811.455648905 | 0.00429920073645609 | 3602231.87810056 | 0 | 0 | 0.0031825049372902568 | 3590804.126239959 | 4533183.750797793 | 4188643.145419392 | 3567610.27823485
Autres | 21789920.45937242 | 0.030914182467289452 | 22463538.036401182 | 0 | 0 | -0.07822524319637802 | 24369877.641579732 | 21247677.55485199 | 151487184.2710981 | 20774183.971271355
0 | 0
Portefeuille brut | 128280896.04359484 | -0.026655884978734983 | 124861455.23368771 | 0 | 0 | 0 | 0 | -0.0035928393309741526 | 125311679.96610036 | -0.1355298389110183 | 144957785.24992 | -0.08839985269419076 | 159014657.55390215 | 0.1484936095543595 | 138454978.09570163
Provisions pour créances douteuses | 10840403.538490295 | 0.026431867690732695 | 11126935.650533821 | 0 | 0 | 0 | 0 | 0.03497858920216441 | 10750884.865271715 | 0.09831933292078075 | 9788487.321516676 | 0.030323922697532462 | 9500397.987352408 | 0.18698601951706315 | 8003799.397079452
Portefeuille de crédit improductif | 13295409.165594183 | 0.2844352701497063 | 17077092.463360846 | 0 | 0 | 0 | 0 | 0.314749257390756 | 12988858.801298697 | 0.053363452134161805 | 12330842.478901925 | 0.16178839573459877 | 10613673.30244776 | 0.3673656740786397 | 7762132.327622954
Graphe Dépots US | 352789769.8645 | 0.04128163649772893 | 367353508.9041637 | 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 | 26950000 | 0 | 0
679292905.9659104
[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 | 21595811.57847742 | 0.03184619662170086 | 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 | 264544538.53308553 | 0.39010978396004947 | 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 | 37090321.646509856 | 0.05469512787813266 | 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 | 629381.8122687048 | 0.0009281159390928859 | 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 | 2051855.7610071679 | 0.0030257627395455762 | 0 | 0 | 0 | 0 | 2666691.6120596956 | 0.004121498448220112 | 5186298.369157706 | 0.00815975125002752 | 2516506.773819519 | 0.004124053594330549 | 1715626.178452622 | 0.003297691620445056
313815230.11632574 | 0.4706602822139569 | 325911909.3313488 | 0.48060498713852157 | 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 | 26950000 | 0.03974173398559296 | 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 | 34481000 | 0.050847299798041964 | 0 | 0 | 0 | 0 | 29187800 | 0 | 34695000 | 0.054586633754679786 | 39965000 | 0.06549467842173229 | 26448000 | 0
Autres Placements | 136879738.01152942 | 0.205292318342861 | 137462767.4951296 | 0.2027090441081579 | 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 | 113734519.5831539 | 0.16771825685539576 | 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 | 21505540.39845176 | 0.0317130785058142 | 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 | 18082701.416826382 | 0.02666559960847566 | 0 | 0 | 0 | 0 | 18165244.007900625 | 0.02807524674076417 | 17763501.7655586 | 0.02794782432849561 | 18860415.278439935 | 0.030908465746571998 | 14484328.511251023 | 0.027841058477206592
666755283.9601384 | 1 | 678128438.2249104 | 1 | 0 | 0 | 0 | 0 | 647019923.8365159 | 1 | 635595156.0582457 | 1 | 610202247.9239918 | 1 | 520250640.72579384 | 1
PASSIF
Dépôts
À vue | 255784280.68752494 | 0.3836254272606812 | 262526167.97944304 | 0.3871334000777781 | 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 | 194225182.78995436 | 0.2864135639236191 | 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 | 98035326.88185132 | 0.14456749098809596 | 0 | 0 | 0 | 0 | 98971222.94691056 | 0.15296472226088337 | 92868726.69119021 | 0.14611301833565227 | 92789767.88995776 | 0.1520639561811576 | 82361597.48178053 | 0.15831138115827997
542053058.2406099 | 0.8129715223569435 | 554786677.6512487 | 0.8181144549894931 | 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 | 650000 | 0.0009585204857378637 | 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 | 34550608.52287741 | 0.05094994779059574 | 0 | 0 | 0 | 0 | 32510438.066354174 | 0.05024642498423073 | 30219354.27590774 | 0.04754497259437649 | 23499078.640548505 | 0.03851031149179838 | 16706015.800396381 | 0.03211147568620015
36877528.740483165 | 0.05530894111772478 | 35200608.52287741 | 0.0519084682763336 | 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 | 7741812.50712 | 0.011611175334281775 | 8022952.2798 | 0.011831021717362456 | 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 | 12050986.189043008 | 0.018074076769916486 | 11406919.329960795 | 0.01682117824142561 | 0 | 0 | 0 | 0 | 12635281.603249872 | 0.01952842739112074 | 14954322.56368471 | 0.02352806251140514 | 11958973.941621 | 0.01959837739422854 | 9884033.189100828 | 0.018998598781755967
19792798.696163006 | 0.029685252104198256 | 19429871.609760795 | 0.02865219995878807 | 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 | 10756090.496350313 | 0.015861435518772494 | 0 | 0 | 0 | 0 | 10071700.244302323 | 0.015566290732721182 | 9971855.791954419 | 0.015689005331312816 | 9575720.884249331 | 0.015692700111852267 | 8776658.558348682 | 0.01687005814371415
609248415.6925731 | 0.9137511623064942 | 620173248.2802372 | 0.9145365587433872 | 0 | 0 | 0 | 0 | 593611932.0021331 | 0.9174554138646934 | 584590384.8669169 | 0.919752737721219 | 565060051.4423889 | 0.9260209272660268 | 480195347.37046856 | 0.9230077000973133
0 | 0
AVOIR DES ACTIONNAIRES | 0 | 0
Capital versé | 21878488.76157 | 0.03281337139411105 | 21745155.76157 | 0.03206642655850089 | 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 | 9906692.581990002 | 0.01460887351653038 | 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 | 3214263.27904 | 0.004739903383868922 | 0 | 0 | 0 | 0 | 1253740.31161 | 0.0019377151543895665 | 1439440.03257 | 0 | 1304377.70404 | 0 | 1449316.57601 | 0.002785804499900433
BNR | 23262193.814492926 | 0.034888653114721536 | 23089078.36070727 | 0.0340482378546842 | 0 | 0 | 0 | 0 | 21139443.618803572 | 0.032672013395595105 | 19927809.1682 | 0.03135299093810876 | 19954887.486337997 | 0.03270208779831244 | 17094789.33804 | 0.03285875691415068
57506868.29940292 | 0.08624883774125582 | 57955189.98330727 | 0.0854634413135844 | 0 | 0 | 0 | 0 | 53407991.84212357 | 0.08254458614727032 | 51004771.18639 | 0.08024726227101067 | 45142196.479417995 | 0.07397907273039252 | 40055293.35762 | 0.07699229990709759
666755283.991976 | 1.00000000004775 | 678128438.2635444 | 1.0000000000569715 | 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)
Mars 25 | Septembre 24
ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total
Disponibilités
Encaisse | 7330663.784407423 | 14265147.794070002 | 21595811.578477424 | 0.3394484045097535 | 9944202.068657966 | 25244433.15066 | 35188635.219317965 | 0.282596980720604
Avoirs à la BRH | 169713205.58292553 | 94831332.95016 | 264544538.53308553 | 0.6415298025957931 | 160354066.08053175 | 76042954.88975999 | 236397020.97029173 | 0.6783252404042927
Avoirs à l'étranger | 37090321.646509856 | 0 | 37090321.646509856 | 1 | 33094427.525763053 | 0 | 33094427.525763053 | 1
Avoirs dans les banques locales | 330090.950188704 | 299290.8620800008 | 629381.8122687049 | 0.5244685241202629 | 443529.70036231744 | 151166.317670002 | 594696.0180323194 | 0.7458090972760025
Autres liquidités | 910918.3395971678 | 1140937.42141 | 2051855.7610071679 | 0.4439485254801912 | 1351027.183069696 | 1315664.42899 | 2666691.6120596956 | 0.5066304543652093
215375200.30362868 | 110536709.02772 | 325911909.33134866 | 0.6608386933312728 | 205187252.5583848 | 102754218.78708 | 307941471.3454648 | 0.6663189977688813
Bons B.R.H. | 0 | 26950000 | 26950000 | 0 | 0 | 17400000 | 17400000 | 0
Bons du Trésor / M.E.F. | 0 | 34481000 | 34481000 | 0 | 0 | 29187800 | 29187800 | 0
Autres Placements | 104847834.73073861 | 32614932.764390986 | 137462767.4951296 | 0.7627362422661355 | 103625482.93449041 | 34397740.273177266 | 138023223.20766768 | 0.750782951783245
Portefeuille net | 69579120.48668727 | 44155399.09646663 | 113734519.5831539 | 0.6117678321559743 | 69011223.72943312 | 45549571.37139551 | 114560795.10082863 | 0.6023982608421504
Immobilisations | 0 | 21505540.39845176 | 21505540.39845176 | 0 | 0 | 21741390.174654238 | 21741390.174654238 | 0
Autres actifs | 4322448.547637438 | 13760252.869188944 | 18082701.416826382 | 0.2390377658735933 | 4998015.5599793475 | 13167228.34792128 | 18165243.907900628 | 0.27514167083688623
394124604.0686921 | 284003834.15621835 | 678128438.2249105 | 0.5811946260510245 | 382821974.78228766 | 264197948.9542283 | 647019923.736516 | 0.591669530934233
PASSIF
Dépôts
À vue | 172059417.44420302 | 90466750.53524 | 262526167.979443 | 0.6553991122807843 | 166327213.6425284 | 85384147.28778999 | 251711360.93031842 | 0.6607854847226104
Épargne | 120461208.60242435 | 73763974.18753 | 194225182.78995436 | 0.6202141600386477 | 112818622.8998979 | 65894606.68123999 | 178713229.5811379 | 0.6312829954688773
À terme | 74832882.85753632 | 23202444.024315 | 98035326.88185132 | 0.7633256830746558 | 75926619.16871054 | 23044603.778200004 | 98971222.94691055 | 0.7671585427355846
367353508.9041637 | 187433168.74708498 | 554786677.6512487 | 0.6621527223029143 | 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 | 15671392.50823744 | 18879216.014639977 | 34550608.52287742 | 0.4535779014676615 | 15370101.79962997 | 17140336.2667242 | 32510438.06635417 | 0.47277436767414266
15671392.50823744 | 19529216.014639977 | 35200608.52287742 | 0.4452023179670988 | 15370101.79962997 | 18190336.2667242 | 33560438.06635417 | 0.45798275246708353
Obligations à terme
Banques locales | 0 | 8022952.2798 | 8022952.2798 | 0 | 0 | 7948698.62986 | 7948698.62986 | 0
Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0!
Autres | 5646867.904093269 | 5760051.425867528 | 11406919.329960797 | 0.4950388216791813 | 6425170.16785755 | 6210111.435392322 | 12635281.603249872 | 0.5085102469109163
5646867.904093269 | 13783003.705667527 | 19429871.6097608 | 0.29062816355701016 | 6425170.16785755 | 14158810.065252323 | 20583980.233109873 | 0.3121442060813144
Autres passifs | 5245608.61584034 | 5510481.880509973 | 10756090.496350313 | 0.48768728913356074 | 5444342.064804662 | 4627358.179497663 | 10071700.244302325 | 0.5405583896209171
393917377.9323347 | 226255870.34790245 | 620173248.2802372 | 0.6351731214216056 | 382312069.74342906 | 211299862.25870416 | 593611932.0021331 | 0.6440437752893
AVOIR DES ACTIONNAIRES
Capital versé | 0 | 21745155.76157 | 21745155.76157 | 0 | 0 | 21883113.76157 | 21883113.76157 | 0
Réserves | 0 | 9906692.58199 | 9906692.58199 | 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 | 23089078.36070727 | 23089078.36070727 | 0 | 0 | 21139443.618803572 | 21139443.618803572 | 0
0 | 57955189.98330727 | 57955189.98330727 | 0 | 0 | 53407991.84212357 | 53407991.84212357 | 0
393917377.9323347 | 284211060.3312097 | 678128438.2635444 | 0.5808890406381167 | 382312069.74342906 | 264707854.10082772 | 647019923.8442568 | 0.5908814483979551
*Converties au taux de 130.5296 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 | -0.06679530343386393 | 3178640.64772 | 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 | 0.09558318905819976 | 831186.51099 | 0 | 0 | 0 | 0 | 177151.97251999998 | 0.2546270216376367 | 222259.65166000003 | 0.6805110719842832 | 373509.80547 | 0.4914052274719789 | 557054.47639
Autres | 2251517.613481733 | 0.02371076232382629 | 2304902.812482907 | 0 | 0 | 0 | 0 | 2327711.51646864 | 0.049744822527995516 | 2443503.1127517438 | 0.003211635300753878 | 2451350.7536061592 | -0.04295342450062041 | 2346056.844086598
6416343.852471733 | -0.01583672627514839 | 6314729.971192907 | 0 | 0 | 0 | 0 | 6789385.68040864 | -0.04883755437604465 | 6457808.688061744 | 0.02107903706253511 | 6593933.076740159 | -0.007092297072871859 | 6547166.944481282
Dépenses d'intérêt | 1053655.32644 | -0.018203132788027713 | 1034475.49862 | 0 | 0 | 0 | 0 | 1045951.56074 | -0.06610676039156639 | 976807.0915329759 | 0.06248377024089572 | 1037841.68141 | 0.03700346658640079 | 1076245.421390029
5362688.526031733 | -0.015371777245437935 | 5280254.472572907 | 0 | 0 | 0 | 0 | 5743434.11966864 | -0.04569261484886891 | 5481001.596528769 | 0.013700014035563568 | 5556091.395330159 | -0.015329098493680388 | 5470921.523091253
0 | 0
AUTRES REVENUS | 0 | 0
Commissions | 1843099.8900233335 | -0.088369885018455 | 1680225.3646644445 | 0 | 0 | 0 | 0 | 1961211.5126999998 | -0.18687093910408914 | 1594718.0755399996 | 0.09118497920893187 | 1740132.4101022223 | 0.294952789411815 | 2253389.318407777
Gains sur change | 895146.8119799999 | 0.11708774814217593 | 999957.5364513858 | 0 | 0 | 0 | 0 | 1186051.5796605824 | -0.1657552545696512 | 989457.2981412056 | -0.014266138053164687 | 975341.5637282118 | -0.08479074985891405 | 892641.6211711309
Autres | 813608.4956854434 | 0.4604694273813554 | 1188250.3338063254 | 0 | 0 | 0 | 0 | 721626.1488292546 | 0.16069209373973947 | 837585.7655819723 | -0.5291013382417191 | 394418.0161203359 | 2.5689454903186966 | 1407656.3999331198
3551855.1976887765 | 0.08913033319584067 | 3868433.2349221557 | 0 | 0 | 0 | 0 | 3868889.2411898365 | -0.11557014792937034 | 3421761.1392631778 | -0.09114287544324727 | 3109891.98995077 | 0.4642590013501122 | 4553687.339512028
0 | 0
PRODUIT NET BANCAIRE | 8914543.72372051 | 0.02626539181714096 | 9148687.707495064 | 0 | 0 | 0 | 0 | 9612323.360858478 | -0.07381780641669558 | 8902762.735791946 | -0.026596165430657587 | 8665983.38528093 | 0.15677683846359095 | 10024608.86260328
0 | 0
Dotation à la provision pour créances douteuses | 463140.4115434877 | -0.2770619247705262 | 334821.83768223535 | 0 | 0 | 0 | 0 | 979920.3727152854 | -0.16511045132223182 | 818125.277716415 | 0.09187698496103694 | 893292.1615534102 | -0.20528468789160723 | 709912.9589728992
0 | 0
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0 | 0
ET IMPÔTS SUR LE REVENU | 8451403.312177021 | 0.04288785474402342 | 8813865.869812828 | 0 | 0 | 0 | 0 | 8632402.988143193 | -0.06345458278766997 | 8084637.458075531 | -0.03858506160179345 | 7772691.22372752 | 0.19838748710300222 | 9314695.903630381
0 | 0
DÉPENSES D'EXPLOITATION | 0 | 0
Salaires et avantages sociaux | 3211311.9183199997 | -0.007004432435129907 | 3188818.50096 | 0 | 0 | 0 | 0 | 2923114.28958 | 0.0017817332078206784 | 2928322.49938 | 0.019700847666954367 | 2986012.9348600004 | -0.0640179256520745 | 2794854.5808
Frais de locaux | 381504.11469 | 0.020560334837734808 | 389347.96703 | 0 | 0 | 0 | 0 | 354660.94539999997 | 0.06471393049526342 | 377612.44917 | 0.07498431275832397 | 405927.45915999997 | 0.4738973127706952 | 598295.3912357601
Amortissement | 423939.87699 | -0.048011457578641815 | 403585.90557 | 0 | 0 | 0 | 0 | 401527.75710999995 | 0.025931737334780457 | 411940.06944 | 0.009654415957657415 | 415917.11022000003 | 0.01997051017114068 | 424223.1871
Autres dépenses d'exploitation | 2528773.8576871324 | -0.03135395927040711 | 2449486.78514914 | 0 | 0 | 0 | 0 | 2585481.361933655 | 0.004115518501245664 | 2596121.958313319 | 0.002826152142294562 | 2603458.993947464 | 0.13575882274189194 | 2956901.522022562
6545529.767687133 | -0.01746086459528511 | 6431239.15870914 | 0 | 0 | 0 | 0 | 6264784.354023656 | 0.007855437553577573 | 6313996.9763033185 | 0.015413298778791022 | 6411316.498187465 | 0.05661211438765637 | 6774274.681158322
0 | 0
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1905873.5444898885 | 0.25014942255332245 | 2382626.711103688 | 0 | 0 | 0 | 0 | 2367618.6341195367 | -0.2521428678353543 | 1770640.4817722123 | -0.23113995215026842 | 1361374.725540055 | 0.8660705056532314 | 2540421.2224720595
0 | 0
Impôts sur le revenu | 294962.86473696714 | 0.3979040749716101 | 412329.7905811062 | 0 | 0 | 0 | 0 | 483383.99535077263 | -0.456650113465804 | 262646.63902628864 | 0.2585865477456239 | 330563.5266890877 | 0.35781469216145 | 448844.01323114685
0 | 0 | 0
BÉNÉFICE NET | 1610910.6797529212 | 0.2230950761495868 | 1970296.9205225818 | 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- mars 25) | 2024 (oct23.- mars 24)
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 | 3178640.64772 | -0.1617610356732106 | 3792045.9236500002 | 0 | 0 | 3769072.517664 | 0 | 0 | 3644055.624004684 | 6584796.50979 | -0.18470364937509978 | 8076568.115069999 | 15489696.256738683
Intérêts sur Bons B.R.H. | 758670.37692 | 3.282596271031349 | 177151.97251999998 | 831186.51099 | 2.7397094109618285 | 222259.65166000003 | 0 | 0 | 373509.80547 | 0 | 0 | 557054.47639 | 1589856.88791 | 2.9804972906685117 | 399411.62418000004 | 1329975.90604
Autres | 2251517.613481733 | -0.03273339606211183 | 2327711.51646864 | 2304902.812482907 | -0.056721965912600154 | 2443503.1127517438 | 0 | 0 | 2451350.7536061592 | 0 | 0 | 2346056.844086598 | 4556420.42596464 | -0.04501876774527751 | 4771214.629220383 | 9568622.226913141
6416343.852471733 | -0.05494485738427731 | 6789385.68040864 | 6314729.971192907 | -0.022155923747530715 | 6457808.688061744 | 0 | 0 | 6593933.076740159 | 0 | 0 | 6547166.944481282 | 12731073.82366464 | -0.03896074372050886 | 13247194.368470382 | 26388294.389691822
Dépenses d'intérêt | 1053655.32644 | 0.007365317849470633 | 1045951.56074 | 1034475.49862 | 0.059037662182121094 | 976807.0915329759 | 0 | 0 | 1037841.68141 | 0 | 0 | 1076245.421390029 | 2088130.82506 | 0.032318325626028176 | 2022758.652272976 | 4136845.7550730044
5362688.526031733 | -0.06629232366974103 | 5743434.11966864 | 5280254.472572907 | -0.03662599260744587 | 5481001.596528769 | 0 | 0 | 5556091.395330159 | 0 | 0 | 5470921.523091253 | 10642942.998604639 | -0.05180596444181549 | 11224435.716197405 | 22251448.63461882
AUTRES REVENUS
Commissions | 1843099.8900233335 | -0.06022380651542377 | 1961211.5126999998 | 1680225.3646644445 | 0.05361906310335797 | 1594718.0755399996 | 0 | 0 | 1740132.4101022223 | 0 | 0 | 2253389.318407777 | 3523325.2546877777 | -0.009169004262640425 | 3555929.5882399995 | 7549451.316749999
Gains sur change | 895146.8119799999 | -0.2452715992029891 | 1186051.5796605824 | 999957.5364513858 | 0.010612118713870727 | 989457.2981412056 | 0 | 0 | 975341.5637282118 | 0 | 0 | 892641.6211711309 | 1895104.3484313856 | -0.12889146637440213 | 2175508.877801788 | 4043492.0627011308
Autres | 813608.4956854434 | 0.127465373871801 | 721626.1488292546 | 1188250.3338063254 | 0.41866108837308613 | 837585.7655819723 | 0 | 0 | 394418.0161203359 | 0 | 0 | 1407656.3999331198 | 2001858.829491769 | 0.2838914396364717 | 1559211.9144112268 | 3361286.3304646825
3551855.1976887765 | -0.081944460990452 | 3868889.2411898365 | 3868433.2349221557 | 0.13053865465172762 | 3421761.1392631778 | 0 | 0 | 3109891.98995077 | 0 | 0 | 4553687.339512028 | 7420288.432610932 | 0.017781411176359525 | 7290650.380453015 | 14954229.709915813
PRODUIT NET BANCAIRE | 8914543.72372051 | -0.07259219347315521 | 9612323.360858478 | 9148687.707495064 | 0.02762344442971853 | 8902762.735791946 | 0 | 0 | 8665983.38528093 | 0 | 0 | 10024608.86260328 | 18063231.43121557 | -0.02440467535911689 | 18515086.09665042 | 37205678.344534636
Dotation à la provision pour créances douteuses | 463140.4115434877 | -0.5273693409800629 | 979920.3727152854 | 334821.83768223535 | -0.5907450279292141 | 818125.277716415 | 0 | 0 | 893292.1615534102 | 0 | 0 | 709912.9589728992 | 797962.2492257231 | -0.556205789861822 | 1798045.6504317005 | 3401250.77095801
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 8451403.312177021 | -0.020967472929007004 | 8632402.988143193 | 8813865.869812828 | 0.09019927183115549 | 8084637.458075531 | 0 | 0 | 7772691.22372752 | 0 | 0 | 9314695.903630381 | 17265269.181989845 | 0.03279460485454103 | 16717040.446218722 | 33804427.57357663
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 3211311.9183199997 | 0.09859266528419199 | 2923114.28958 | 3188818.50096 | 0.08895741559720745 | 2928322.49938 | 0 | 0 | 2986012.9348600004 | 0 | 0 | 2794854.5808 | 6400130.41928 | 0.09377075239968902 | 5851436.7889600005 | 11632304.304620001
Frais de locaux | 381504.11469 | 0.07568684863151569 | 354660.94539999997 | 389347.96703 | 0.031078206997134056 | 377612.44917 | 0 | 0 | 405927.45915999997 | 0 | 0 | 598295.3912357601 | 770852.08172 | 0.052683447788860194 | 732273.39457 | 1736496.24496576
Amortissement | 423939.87699 | 0.05581711222484724 | 401527.75710999995 | 403585.90557 | -0.0202800467586385 | 411940.06944 | 0 | 0 | 415917.11022000003 | 0 | 0 | 424223.1871 | 827525.78256 | 0.01728151446335783 | 813467.8265499999 | 1653608.12387
Autres dépenses d'exploitation | 2528773.8576871324 | -0.021933054742313714 | 2585481.361933655 | 2449486.78514914 | -0.05648239008750069 | 2596121.958313319 | 0 | 0 | 2603458.993947464 | 0 | 0 | 2956901.522022562 | 4978260.642836273 | -0.039243196524933764 | 5181603.320246974 | 10741963.836217001
6545529.767687133 | 0.04481326056868399 | 6264784.354023656 | 6431239.15870914 | 0.018568615545087465 | 6313996.9763033185 | 0 | 0 | 6411316.498187465 | 0 | 0 | 6774274.681158322 | 12976768.926396273 | 0.03163959891009198 | 12578781.330326974 | 25764372.50967276
0 | 0
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1905873.5444898885 | -0.195025112142421 | 2367618.6341195367 | 2382626.711103688 | 0.3456298642392645 | 1770640.4817722123 | 0 | 0 | 1361374.725540055 | 0 | 0 | 2540421.2224720595 | 4288500.255593572 | 0.03630539690587969 | 4138259.115891747 | 8040055.063903868
0 | 0
Impôts sur le revenu | 294962.86473696714 | -0.38979596433902564 | 483383.99535077263 | 412329.7905811062 | 0.5699031676542246 | 262646.63902628864 | 0 | 0 | 330563.5266890877 | 0 | 0 | 448844.01323114685 | 707292.6553180733 | -0.05192545355906772 | 746030.6343770613 | 1525438.1742972957
BÉNÉFICE NET | 1610910.6797529212 | -0.14505834538443896 | 1884234.6387687642 | 1970296.9205225818 | 0.3065682794399512 | 1507993.8427459237 | 0 | 0 | 1030811.1988509672 | 0 | 0 | 2091577.2092409127 | 3581207.6002754983 | 0.05570943106887372 | 3392228.481514686 | 6514616.889606573
Marge nette en % Revenu d'intérêt | 0.8357857136920575 | -0.01015740841423507 | 0.8459431221062925 | 0.8361805645943434 | -0.012559598096020252 | 0.8487401626903637 | 0 | 0 | 0.842606579513076 | 0 | 0 | 0.8356166215835974 | 0.835981563379315 | 0.8473066374652628
Frais d'exploitation en % Produit net bancaire | 0.7342529209061233 | 0.08250785170319253 | 0.6517450692029307 | 0.7029684873209024 | -0.006249220000335787 | 0.7092177073212382 | 0 | 0 | 0.7398256162222755 | 0 | 0 | 0.6757644885706909 | 0.7184079424443823 | 0.6793801154725719
[somfindétvan]
SOMMAIRE FINANCIER
RÉSULTATS - ANALYSE DES VARIATIONS ANNUELLES
(En milliers de gourdes)
CUMUL (Octobre-Mars) | ANNÉE
2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 6584796.50979 | -0.18470364937509978 | 8076568.115069999 | 15489696.256738683 | -0.13992857537666614 | 18009778.97099925 | 0.24098209778402271 | 14512521.174285 | 0.14894066939830933 | 12631218.966149999
Intérêts sur Bons B.R.H. | 1589856.88791 | 2.9804972906685117 | 399411.62418000004 | 1329975.90604 | 1.6212740243992865 | 507377.66966 | -0.32144906587356115 | 747737.0439599999 | 0.24988393343258522 | 598245.1841800001
Autres | 4556420.42596464 | -0.04501876774527751 | 4771214.629220383 | 9568622.226913143 | 0.13512274044143233 | 8429592.57709175 | 0.8803481196219355 | 4482995.722508347 | 0.21377301091073125 | 3693438.2971200002
12731073.82366464 | -0.03896074372050886 | 13247194.368470382 | 26388294.389691826 | -0.02072438584507596 | 26946749.217750996 | 0.3648585637714176 | 19743253.94075335 | 0.1666588519351967 | 16922902.44745
Dépenses d'intérêt | 2088130.82506 | 0.032318325626028176 | 2022758.652272976 | 4136845.7550730053 | 0.08240702010865569 | 3821894.7939359583 | 0.18496613342748142 | 3225319.8518688753 | 0.08196661665972088 | 2980979.0821700003
10642942.998604639 | -0.05180596444181549 | 11224435.716197405 | 22251448.63461882 | -0.03776913675602411 | 23124854.423815038 | 0.3999846651147861 | 16517934.088884473 | 0.18476724165760305 | 13941923.36528
AUTRES REVENUS
Commissions | 3523325.2546877777 | -0.009169004262640425 | 3555929.5882399995 | 7549451.316749999 | -0.011865182771838446 | 7640102.5296600005 | 0.22101637440058797 | 6257166.31639 | 0.21217951411545213 | 5161913.927374
Gains sur change | 1895104.3484313856 | -0.12889146637440213 | 2175508.877801788 | 4043492.062701131 | -0.20861083313328907 | 5109359.885112192 | -0.1136533916917172 | 5764516.767164173 | 0.34233545924766406 | 4294393.57163
Autres | 2001858.829491769 | 0.2838914396364717 | 1559211.9144112268 | 3361286.3304646825 | -0.11173966238884321 | 3784122.9515035637 | -0.05219042046972708 | 3992492.83108 | -0.03200602339378654 | 4124501.729936046
7420288.432610932 | 0.017781411176359525 | 7290650.380453015 | 14954229.709915813 | -0.09552408756913792 | 16533585.366275756 | 0.03243435406294831 | 16014175.914634172 | 0.17917685497773875 | 13580809.228940045
PRODUIT NET BANCAIRE | 18063231.43121557 | -0.02440467535911689 | 18515086.09665042 | 37205678.344534636 | -0.06184714927108687 | 39658439.79009079 | 0.21905525912095372 | 32532110.003518645 | 0.18200872286753245 | 27522732.594220046
Dotation à la provision pour créances douteuses | 797962.2492257231 | -0.556205789861822 | 1798045.6504317005 | 3401250.77095801 | 0.26684421128219277 | 2684821.6542076245 | 0.08899862951902796 | 2465404.0707043083 | 0.34558569385621807 | 1832216.32183
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 17265269.181989845 | 0.03279460485454103 | 16717040.446218722 | 33804427.57357663 | -0.08571491571799449 | 36973618.13588317 | 0.22971961805535648 | 30066705.932814337 | 0.17034261258219416 | 25690516.272390045
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 6400130.41928 | 0.09377075239968902 | 5851436.7889600005 | 11632304.30462 | 0.014452648548123382 | 11466581.82742 | 0.22413691001391725 | 9367074.657760002 | 0.21844878818332833 | 7687704.849479999
Frais de locaux | 770852.08172 | 0.052683447788860194 | 732273.39457 | 1736496.24496576 | 0.06249585882709251 | 1634355.7770500001 | 0.23986735871515127 | 1318169.8554784514 | 0.0325115557084071 | 1276663.5377500001
Amortissement | 827525.78256 | 0.01728151446335783 | 813467.8265499999 | 1653608.12387 | 0.1851570332448688 | 1395264.9965233284 | 0.11114514375329043 | 1255700.0355600002 | 0.02161948411931887 | 1229126.94509
Autres dépenses d'exploitation | 4978260.642836273 | -0.039243196524933764 | 5181603.320246974 | 10741963.836217001 | 0.03395819551095257 | 10389166.48937497 | 0.360481389191059 | 7636390.010121607 | 0.28913567867358814 | 5923651.1225713715
12976768.926396273 | 0.03163959891009198 | 12578781.330326974 | 25764372.50967276 | 0.03532209693625464 | 24885369.090368297 | 0.2711316249652447 | 19577334.55892006 | 0.21468987166636816 | 16117146.45489137
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 4288500.255593572 | 0.03630539690587969 | 4138259.115891747 | 8040055.063903868 | -0.33488671240712176 | 12088249.04551487 | 0.15242835958690956 | 10489371.373894278 | 0.09568224918265361 | 9573369.817498675
Impôts sur le revenu | 707292.6553180733 | -0.05192545355906772 | 746030.6343770613 | 1525438.174297296 | -0.2831039730434334 | 2127837.394738017 | 0.5266943923798346 | 1393754.6409803154 | 0.24739744363036792 | 1117330.0443233203
BÉNÉFICE NET | 3581207.6002754983 | 0.05570943106887372 | 3392228.481514686 | 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 MARS 2025
Actif | 125070124 | 7384864.62284 | 47135987.83401071 | 54041995 | 177120259.57482997 | 255289746.49040824 | 666042977.522089 | 12085460.702821346 | 12085460.702821346 | 0 | 0 | 678128438.2249104
Bons B.R.H. | 19200000 | 1400000 | 0 | 350000 | 3000000 | 3000000 | 26950000 | 0 | 0 | 0 | 0 | 26950000
Prêts | 15185875 | 166111.2362899999 | 13159416.355192548 | 11784089 | 26998490.269369997 | 41585562.47213001 | 108879544.33298254 | 4854975.250171347 | 4854975.250171347 | 0 | 0 | 113734519.58315389
Dépôts | 97343765 | 4497953.56106 | 38734440.57715042 | 42374213 | 147639941.46078536 | 216119562.60315388 | 546709876.2021496 | 8076801.44909903 | 8076801.44909903 | 0 | 0 | 554786677.6512487
Avoir des Actionnaires | 11989898 | 1421922.6404900001 | 3399734.550547265 | 5162934 | 12716435.682110008 | 22064791.71491 | 56755716.58805727 | 1199473.3952500003 | 1199473.3952500003 | 0 | 0 | 57955189.98330727
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 Mars 25/Sept. 24
Actif | 0.05651390949554392 | 0.3540160351646544 | 0.017178380971023643 | 0.033905946346777315 | 0.04872378246403717 | 0.061314975176745085 | 0.05407235494831293 | 0.001954452531599439 | 0.001954452531599439 | 0 | 0 | 0.04807968540433171
Bons B.R.H. | 0.28859060402684567 | 0 | 0 | -0.7666666666666667 | 0.2 | 0 | 0.42592592592592593 | 0 | 0 | 0 | 0 | 0.42592592592592593
Prêts | -0.03898204667499986 | -0.05268649484836438 | 0.061399489170771676 | 0.018567716522229483 | -0.05107520134478588 | 0.008656817167292555 | -0.006799878592891463 | -0.013608003577375273 | -0.013608003577375273 | 0 | 0 | -0.007212550479834856
Dépôts | 0.04509653316645646 | -0.019888120805774925 | 0.015810493783909942 | 0.04788442239624447 | 0.04869424386828056 | 0.06892510233360566 | 0.05284209575590828 | -0.013315382006444946 | -0.013315382006444946 | 0 | 0 | 0.047961966353703755
Avoir des Actionnaires | 0.05446290048714138 | 3.52015424746638 | 0.025614108102487643 | -0.042782939774833266 | 0.06878422921461735 | 0.08929095364875249 | 0.09844677690732231 | 0.08284644714753057 | 0.08284644714753057 | 0 | 0 | 0.08514078107683634
RÉSULTATS
TRIM 2 2025 (Janv.- Mars 2025)
Revenus nets d'intérêt | 1190152 | 84474.60245 | 317832.4261229071 | 424522 | 1089103.88862 | 2050356.08432 | 5156441.001512907 | 123813.47106000001 | 123813.47106000001 | 0 | 0 | 5280254.472572908
Autres revenus | 169852 | 9034.96572 | 310689.86646215565 | 577054 | 1012227.54895 | 1687542.7665 | 3766401.1476321556 | 102032.08729 | 102032.08729 | 0 | 0 | 3868433.2349221557
Dot. à la provision pr créances dout. | 0 | 0 | 16047.158492235349 | 6508 | 170392.9889 | 117873.69029 | 310821.83768223535 | 24000 | 24000 | 0 | 0 | 334821.83768223535
Frais d'exploitation | 1120978 | 71187.92727 | 540235.2547891401 | 808981 | 1371512.2740299997 | 2404565.5792900003 | 6317460.03537914 | 113779.12333 | 113779.12333 | 0 | 0 | 6431239.15870914
Bénéfice net | 239026 | 22321.640900000013 | 50998.67241258118 | 172859 | 446718.17464000033 | 974084.5975099998 | 1906008.0854625814 | 64288.835060000005 | 64288.835060000005 | 0 | 0 | 1970296.9205225813
TRIM 2 2024 (Janv.-Mars 2024)
Revenus nets d'intérêt | 1438116 | 24230.27988000001 | 300343.393531744 | 489786 | 1019706.2402600001 | 2074803.7950499998 | 5346985.708721744 | 113635.88780702402 | 113635.88780702402 | 20380 | 20380 | 5481001.596528768
Autres revenus | 238859 | 9179.560500000001 | 269358.04291317775 | 522672 | 842945.91551 | 1446979.64698 | 3329994.165903178 | 20126.973359999996 | 20126.973359999996 | 71640 | 71640 | 3421761.139263178
Dot. à la provision pr créances dout. | 200000 | 9000 | 41603.98867641502 | 52663 | 277101.15221 | 225857.13683 | 806225.277716415 | 11900 | 11900 | 0 | 0 | 818125.277716415
Frais d'exploitation | 1086359 | 62922.280340000005 | 569218.8551433189 | 729439 | 1410163.6377299998 | 2308831.79796 | 6166934.571173319 | 95550.40513 | 95550.40513 | 51512 | 51512 | 6313996.9763033185
Bénéfice net | 390616 | -38512.439959999996 | -25833.06567030087 | 176216 | 127577.36583000026 | 830796.8896399993 | 1460860.7498396987 | 19208.092906224017 | 19208.092906224017 | 27925 | 27925 | 1507993.8427459227
VARIATION TRIM 2 25 / TRIM 2 24
Revenus nets d'intérêt | -0.17242280873031104 | 2.4863238422485763 | 0.058230122479170185 | -0.13325003164647417 | 0.06805651041451437 | -0.01178314344147938 | -0.03563591107005002 | 0.0895631076536272 | 0.0895631076536272 | 0 | 0 | -0.036625992607445534
Autres revenus | -0.288902658053496 | -0.015751819490704512 | 0.15344566325907114 | 0.10404613218232467 | 0.20082146472894535 | 0.16625190272861176 | 0.1310533772693902 | 4.069420298075061 | 4.069420298075061 | 0 | 0 | 0.13053865465172745
Dot. à la provision pr créances dout. | 0 | 0 | -0.614287980485574 | -0.8764217761996088 | -0.38508740385580076 | -0.4781050891532282 | -0.614472720871988 | 1.0168067226890756 | 1.0168067226890756 | 0 | 0 | -0.5907450279292141
Frais d'exploitation | 0.031866997926099934 | 0.13136280003421114 | -0.050918201483120706 | 0.10904544451283794 | -0.02740913371033935 | 0.041464164437871584 | 0.02440847433495344 | 0.19077593836676182 | 0.19077593836676182 | 0 | 0 | 0.018568615545087465
Bénéfice net | -0.38807934134802463 | 1.5795956039966266 | 2.974162612500617 | -0.019050483497525764 | 2.5015472512205847 | 0.17247020259318727 | 0.30471578873737903 | 2.3469660613297236 | 2.3469660613297236 | 0 | 0 | 0.3065682794399517
RÉSULTATS
CUMUL 2025 (Octobre 2024 - Mars 2025)
Revenus nets d'intérêt | 2549427 | 128875.66174000004 | 609692.09386464 | 853073 | 2205800.27485 | 4066188.385110001 | 10413056.415564641 | 223925.58304 | 223925.58304 | 5961 | 5961 | 10642942.998604642
Autres revenus | 469068 | 11625.31491 | 590546.7589109325 | 1122293 | 1909495.2381199999 | 3159445.2905 | 7262473.602440933 | 121611.83017 | 121611.83017 | 36203 | 36203 | 7420288.432610933
Dot. à la provision pr créances dout. | 170000 | 0 | 3131.936095723049 | 21652 | 332532.34173 | 245442.92985999997 | 772759.207685723 | 25203.04154 | 25203.04154 | 0 | 0 | 797962.249225723
Frais d'exploitation | 2229218 | 134205.24624 | 1072591.198386272 | 1623718 | 2788339.5523699997 | 4829187.024780001 | 12677259.021776272 | 208814.90462 | 208814.90462 | 90695 | 90695 | 12976768.926396271
Bénéfice net | 619277 | 6295.730410000018 | 87591.75970550414 | 308529 | 794591.8188700003 | 1732043.742850001 | 3548329.0518355053 | 81409.54844000004 | 81409.54844000004 | -48531 | -48531 | 3581207.6002755053
CUMUL 2024 (Octobre 2023 - Mars 2024)
Revenus nets d'intérêt | 2889190 | 65713.30227 | 614098.4589903841 | 992725 | 2250399.17105 | 4139924.83089 | 10952050.763200384 | 232613.95299702405 | 232613.95299702405 | 39771 | 39771 | 11224435.716197407
Autres revenus | 586395 | 21301.02364 | 579621.0900830149 | 1139321 | 1819015.5411600003 | 2959627.21793 | 7105280.872813014 | 37726.507639999996 | 37726.507639999996 | 147643 | 147643 | 7290650.380453015
Dot. à la provision pr créances dout. | 500000 | 18000 | 46289.603551700406 | 113713 | 629592.4645799999 | 480371.99010000005 | 1787967.0582317002 | 10078.592200000001 | 10078.592200000001 | 0 | 0 | 1798045.6504317003
Frais d'exploitation | 2147903 | 140707.33656999998 | 1139531.7192569738 | 1439218 | 2821329.43388 | 4585346.317439999 | 12274035.807146972 | 191679.52318000002 | 191679.52318000002 | 113066 | 113066 | 12578781.330326973
Bénéfice net | 827682 | -71693.01065999999 | 6088.607077863382 | 447078 | 428832.81375000067 | 1652919.9593100008 | 3290908.369477865 | 50065.11203682399 | 50065.11203682399 | 51255 | 51255 | 3392228.4815146886
VARIATION CUMUL 2025/ CUMUL 2024
Revenus nets d'intérêt | -0.11759801189952894 | 0.9611807242692088 | -0.007175339819266889 | -0.14067541363418873 | -0.019818215707567435 | -0.017811059087308827 | -0.04921401108245398 | -0.037351026647723114 | -0.037351026647723114 | -0.8501169193633552 | -0.8501169193633552 | -0.05180596444181531
Autres revenus | -0.20008185608676746 | -0.4542367960115555 | 0.01884967440772857 | -0.014945744000154478 | 0.04974102469861254 | 0.06751460838022552 | 0.02212336604867882 | 2.223511471840016 | 2.223511471840016 | -0.7547936576742548 | -0.7547936576742548 | 0.017781411176359653
Dot. à la provision pr créances dout. | -0.66 | 0 | -0.9323403992383511 | -0.8095908119564166 | -0.471829222174964 | -0.48905653344004174 | -0.5678000866246484 | 1.5006509877441014 | 1.5006509877441014 | 0 | 0 | -0.556205789861822
Frais d'exploitation | 0.03785785484726266 | -0.04621003061034615 | -0.058743885527249844 | 0.12819461679884492 | -0.011693027093483112 | 0.053178253169792744 | 0.032851722201633925 | 0.08939599366547196 | 0.08939599366547196 | -0.1978578883130207 | -0.1978578883130207 | 0.031639598910091986
Bénéfice net | -0.25179356322838964 | 1.0878151210563212 | 13.386173813706154 | -0.30989894380846295 | 0.8529174853051904 | 0.047869095593128325 | 0.07822177145530272 | 0.6260734297392868 | 0.6260734297392868 | -1.9468539654667838 | -1.9468539654667838 | 0.05570943106887491
0 | 0
[sysratfinclé mars 25]
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 2025 | 0.09586540427512488 | 0.19254552562714017 | 0.07212609105635853 | 0.09553559227411941 | 0.07179548919268354 | 0.08643038750378884 | 0.08521329479248957 | 0.0992492900969827 | 0.0992492900969827 | 0 | #DIV/0! | 0.0854634413135844
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 mars 2025 | 0.7783134923572955 | 0.6090773210857073 | 0.8217593893131863 | 0.784097866853361 | 0.8335576168146381 | 0.8465657770210286 | 0.8208327309989816 | 0.6683072865574338 | 0.6683072865574338 | #DIV/0! | 0.8181144549894931
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 mars 2025 | 0.49885311370973406 | 0.9366233034999992 | 0.009925836432079982 | 0.01813645517169242 | 0.14147773268616623 | 0.012060388771435896 | 0.13711339016976865 | 0.1288127912650176 | 0.1288127912650176 | 0 | 0 | 0.1367683279952149
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 mars 2025 | 0.5055737590994961 | 0.9312617297851608 | 2.5074237294985484 | 1.8751841841208428 | 0.6236273722992238 | 2.2731468131202406 | 0.6576676584909233 | 0.5019488114666114 | 0.5019488114666114 | 0 | 0 | 0.6515708499211341
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 mars 2025 | 0.41775067644445346 | 0.05887034534727243 | -0.059393607342706434 | -0.03750406261246028 | 0.12399227035829077 | -0.0297546599167015 | 0.09897069886701239 | 0.27762506340501664 | 0.27762506340501664 | 0 | 0 | 0.1026682306544218
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
RENTABILITÉ
ROA (rendement de l'actif)
TRIM 2 2025 (janvier -mars 2025) | 0.007648097905019327 | 0.011948597774023717 | 0.004333744230071405 | 0.012915179983761044 | 0.01013223174586759 | 0.015557269972397187 | 0.011553331014496076 | 0.021498856957634017 | 0.021498856957634017 | 0 | 0 | 0.011720251427068604
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
CUMUL 2025 (octobre 2024-mars 2025) | 0.010175011982294552 | 0.001961453272702208 | 0.0037482059501980107 | 0.01160846448418888 | 0.0091857273051358 | 0.013972863260244717 | 0.01093544121678112 | 0.013485464613215105 | 0.013485464613215105 | -0.06298471714403353 | -0.06298471714403353 | 0.010809982347046797
CUMUL 2024 (octobre 2023-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
ROE (rendement de l'avoir des actionn.)
TRIM 2 2025 (janvier -mars 2025) | 0.08054532350888366 | 0.0632896087288983 | 0.06043252298132008 | 0.12966171381207905 | 0.14006712629977996 | 0.18093894075540598 | 0.13546467157377384 | 0.22179061340958267 | 0.22179061340958267 | 0 | 0 | 0.13651562771890222
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
CUMUL 2025 (octobre 2024-mars 2025) | 0.10603822629111964 | 0.029360916662353864 | 0.05218017207063489 | 0.11690439729512062 | 0.12912594756979331 | 0.16370577048014048 | 0.13090472636975353 | 0.1411413735871046 | 0.1411413735871046 | -0.3075358351393483 | -0.3075358351393483 | 0.12863165515113525
CUMUL 2024 (octobre 2023-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
Revenus nets d'intérêt
en % des revenus d'intérêt
TRIM 2 2025 (janvier -mars 2025) | 0.8775547221898609 | 0.8892256465741318 | 0.7546650160667205 | 0.7627509356465618 | 0.8107059294775598 | 0.8635756758481653 | 0.8389093200682319 | 0.7364203174164121 | 0.7364203174164121 | #DIV/0! | #DIV/0! | 0.8361805645943435
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
CUMUL 2025 (octobre 2024-mars 2025) | 0.8840546239686745 | 0.8170400833129837 | 0.7409597879669882 | 0.7591799066813684 | 0.8144833532670835 | 0.8625056372585137 | 0.8390418150037865 | 0.7120949139297705 | 0.7120949139297705 | 1 | 1 | 0.835981563379315
CUMUL 2024 (octobre 2023-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
Rendement moyen des prêts
TRIM 2 2025 (janvier -mars 2025) | 0.04914283387368104 | 0.009906442898541529 | 0.10264863714506628 | 0.15346975209035807 | 0.08607083234465929 | 0.12211417238447403 | 0.100393522780105 | 0.10187239164375687 | 0.10187239164375687 | #DIV/0! | #DIV/0! | 0.10045385552220733
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
CUMUL 2025 (octobre 2024-mars 2025) | 0.06786819465791234 | 0.01102815459473315 | 0.10885200477537642 | 0.1508555564798922 | 0.09001941934650268 | 0.24969406599762248 | 0.10589347420410396 | 0.09138825525779211 | 0.09138825525779211 | 0.02712646995166294 | 0.02712646995166294 | 0.10528383080831419
CUMUL 2024 (octobre 2023-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
Rendement moyen des prêts productifs
TRIM 2 2025 (janvier -mars 2025) | 0.0931862262200796 | 0.1510828752261323 | 0.10352527342837466 | 0.1568655547122441 | 0.0948587119820368 | 0.12318505300302572 | 0.11401937650183784 | 0.1172566273319968 | 0.1172566273319968 | #DIV/0! | #DIV/0! | 0.11414976138783291
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
CUMUL 2025 (octobre 2024-mars 2025) | 0.12932910607009512 | 0.1762508914772209 | 0.10955802087236827 | 0.15326424510878683 | 0.09906310257445453 | 0.12595567167088778 | 0.12039658218206625 | 0.10313511641855093 | 0.10313511641855093 | 0.02712646995166294 | 0.02712646995166294 | 0.11966527202003031
CUMUL 2024 (octobre 2023-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
Rémunération moyenne des dépôts
TRIM 2 2025 (janvier -mars 2025) | 0.006792242945820331 | 0.00907256330499974 | 0.010812153692655526 | 0.012666833605643395 | 0.006909443754940971 | 0.006145671603897679 | 0.007329153920513637 | 0.022089951992483117 | 0.022089951992483117 | 0 | 0 | 0.007545135098730542
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
CUMUL 2025 (octobre 2024-mars 2025) | 0.0070212002662290674 | 0.012703238348423365 | 0.011091973094859124 | 0.013070749748810808 | 0.006967784715592858 | 0.0061983895123008574 | 0.0074958079416906276 | 0.022268203420957203 | 0.022268203420957203 | 0 | 0 | 0.0077039828869744365
CUMUL 2024 (octobre 2023-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
Dépenses d'exploitation
en % du produit net bancaire
(revenus nets d'intérêt + autres revenus)
TRIM 2 2025 (janvier -mars 2025) | 0.8242461051585143 | 0.7612903006950117 | 0.8595323684816253 | 0.8077080521098748 | 0.6526872674669684 | 0.6432933782471133 | 0.7080098392174788 | 0.5037917245805335 | 0.5037917245805335 | #DIV/0! | #DIV/0! | 0.7029684873209024
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
CUMUL 2025 (octobre 2024-mars 2025) | 0.7385196927607963 | 0.9551908423691372 | 0.8936481233763488 | 0.821983369157918 | 0.6775551217602988 | 0.6683409707138678 | 0.7172208702574859 | 0.6043192332782006 | 0.6043192332782006 | 2.1510055971919173 | 2.1510055971919173 | 0.7184079424443823
CUMUL 2024 (octobre 2023-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
Productivité par employé ('000)
TRIM 2 2025 (janvier -mars 2025) | 7060.371187540558 | 2615.652256503497 | 5371.985406709939 | 5123.150895140665 | 7859.117111061244 | 9762.7132897682 | 7491.104753191364 | 12207.86801891892 | 12045.096445333334 | 0 | 0 | 7554.655414942249
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
CUMUL 2025 (octobre 2024-mars 2025) | 7855.54977228367 | 1958.2017651567949 | 5140.209219595599 | 5218.9326287978865 | 7717.3849282137835 | 9396.142621079325 | 7457.24291446285 | 9338.849005675676 | 9338.849005675676 | 15332.363636363636 | 15332.363636363636 | 7495.116776437995
CUMUL 2024 (octobre 2023-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
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. 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
[bilsysbanmars 25]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
DILAN PAR DANQUE (DEVISES ET GOURDES)
AU 31 mars 2025
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 9791340 | 182249.19296000001 | 1373339.023515664 | 1605651 | 3381014.32856 | 5194512.899371759 | 21528106.444407422 | 67705.13407 | 67705.13407 | 0 | 0 | 21595811.578477424
Avoirs à la BRH | 37871321 | 2090455.19844 | 18107120.56337893 | 20834323 | 74589923.41179 | 109111458.9361366 | 262604602.10974553 | 1939936.4233400002 | 1939936.4233400002 | 0 | 0 | 264544538.53308553
Avoirs à l'étranger | 1477521 | 0 | 1718144.3086716319 | 9751515 | 6975760.03137 | 17167381.306468226 | 37090321.646509856 | 0 | 0 | 0 | 0 | 37090321.646509856
Avoirs dans les banques locales | 0 | 0 | 380443.745338704 | 50600 | 6914.37 | 2324.093210000763 | 440282.20854870474 | 189099.60372 | 189099.60372 | 0 | 0 | 629381.8122687048
Autres liquidités | 451260 | 37005.72397 | 13829.540615935999 | 293518 | 210782.81645999997 | 1018799.7946012319 | 2025195.875647168 | 26659.88536 | 26659.88536 | 0 | 0 | 2051855.7610071679
49591442 | 2309710.1153700002 | 21592877.181520864 | 32535607 | 85164394.95818 | 132494477.02978782 | 323688508.28485876 | 2223401.04649 | 2223401.04649 | 0 | 0 | 325911909.3313488
Bons B.R.H. | 19200000 | 1400000 | 0 | 350000 | 3000000 | 3000000 | 26950000 | 0 | 0 | 0 | 0 | 26950000
Bons du Trésor / M.E.F. | 18287000 | 1921000 | 0 | 0 | 0 | 14273000 | 34481000 | 0 | 0 | 0 | 0 | 34481000
Autres Placements | 16286045 | 0 | 6055319.324554839 | 5630851 | 51698528.459489994 | 55170568.55409475 | 134841312.3381396 | 2621455.15699 | 2621455.15699 | 0 | 0 | 137462767.4951296
Portefeuille net | 15185875 | 166111.2362899999 | 13159416.355192548 | 11784089 | 26998490.269369997 | 41585562.47213001 | 108879544.33298254 | 4854975.250171347 | 4854975.250171347 | 0 | 0 | 113734519.58315389
Immobilisations | 2832892 | 352542.09784 | 5005296.372851761 | 1829860 | 6269776.120170001 | 4611075.650149999 | 20901442.24101176 | 604098.15744 | 604098.15744 | 0 | 0 | 21505540.39845176
Autres actifs | 3686870 | 1235501.17334 | 1323078.5998907038 | 1911588 | 3989069.7676199996 | 4155062.78424568 | 16301170.325096384 | 1781531.0917300002 | 1781531.0917300002 | 0 | 0 | 18082701.416826382
125070124 | 7384864.62284 | 47135987.83401071 | 54041995 | 177120259.57482997 | 255289746.49040824 | 666042977.522089 | 12085460.702821346 | 12085460.702821346 | 0 | 0 | 678128438.2249104
PASSIF
Dépôts
À vue | 44417504 | 1723784.4255300001 | 16964083.23431901 | 19906420 | 71817479.55339739 | 103836058.8872599 | 258665330.1005063 | 3860837.8789367354 | 3860837.8789367354 | 0 | 0 | 262526167.97944304
Épargne | 40531725 | 600526.1735299999 | 9114275.460674513 | 12384099 | 50613033.325691566 | 79737256.82406862 | 192980915.7839647 | 1244267.0059896638 | 1244267.0059896638 | 0 | 0 | 194225182.78995436
À terme | 12394536 | 2173642.962 | 12656081.882156897 | 10083694 | 25209428.581696417 | 32546246.891825374 | 95063630.31767869 | 2971696.5641726316 | 2971696.5641726316 | 0 | 0 | 98035326.88185132
97343765 | 4497953.56106 | 38734440.57715042 | 42374213 | 147639941.46078536 | 216119562.60315388 | 546709876.2021496 | 8076801.44909903 | 8076801.44909903 | 0 | 0 | 554786677.6512487
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 | 6230328 | 390900.24358999997 | 3196705.586823754 | 3533857 | 10422817.913679998 | 10361844.439493662 | 34136453.18358742 | 414155.33929000003 | 414155.33929000003 | 0 | 0 | 34550608.52287742
6230328 | 390900.24358999997 | 3196705.586823754 | 4183857 | 10422817.913679998 | 10361844.439493662 | 34786453.18358742 | 414155.33929000003 | 414155.33929000003 | 0 | 0 | 35200608.52287742
Obligations à terme
Banques locales | 1961567 | 0 | 0 | 334448 | 1989599.3765699998 | 2277056.7475900003 | 6562671.124159999 | 1460281.15564 | 1460281.15564 | 0 | 0 | 8022952.2798
Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 6594784 | 1044959.99201 | 550493.4913426044 | 76016 | 624754.5577999996 | 2172530.3301981916 | 11063538.371350795 | 343380.9586100001 | 343380.9586100001 | 0 | 0 | 11406919.329960795
8556351 | 1044959.99201 | 550493.4913426044 | 410464 | 2614353.9343699994 | 4449587.077788192 | 17626209.495510794 | 1803662.11425 | 1803662.11425 | 0 | 0 | 19429871.609760795
Autres passifs | 949782 | 29128.185830000002 | 1254613.6282966651 | 1910527 | 3726710.578969999 | 2293960.698313648 | 10164722.091410313 | 591368.4049399999 | 591368.4049399999 | 0 | 0 | 10756090.496350313
113080226 | 5962941.98249 | 43736253.28361344 | 48879061 | 164403823.88780534 | 233224954.8187494 | 609287260.9726582 | 10885987.307579031 | 10885987.307579031 | 0 | 0 | 620173248.2802372
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 728155.76157 | 2025000 | 3000000 | 12527000 | 21445155.76157 | 300000 | 300000 | 0 | 0 | 21745155.76157
Réserves | 1715157 | 58117.833620000005 | 902534.062 | 836620 | 3504304.7636 | 2545510.76168 | 9562244.4209 | 344448.16109 | 344448.16109 | 0 | 0 | 9906692.58199
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 | 7274741 | -815520.19313 | 570490.447937265 | 2299930 | 6212130.918510007 | 6992280.95323 | 22534053.126547273 | 555025.2341600002 | 555025.2341600002 | 0 | 0 | 23089078.36070727
11989898 | 1421922.6404900001 | 3399734.550547265 | 5162934 | 12716435.682110008 | 22064791.71491 | 56755716.58805727 | 1199473.3952500003 | 1199473.3952500003 | 0 | 0 | 57955189.98330727
125070124 | 7384864.62298 | 47135987.83416071 | 54041995 | 177120259.56991535 | 255289746.5336594 | 666042977.5607154 | 12085460.702829031 | 12085460.702829031 | 0 | 0 | 678128438.2635444
Hors-bilan
Effets à l'encaissement | 1625933 | 0 | 0 | 0 | 2498.0482305140004 | 0 | 1628431.048230514 | 0 | 0 | 0 | 0 | 1628431.048230514
Crédit documentaire | 0 | 0 | 0 | 0 | 1639907.033222992 | 1962324.8448775678 | 3602231.87810056 | 0 | 0 | 0 | 0 | 3602231.87810056
Autres | 4566684 | 244974.98877752002 | 4698729.866794469 | 43727 | 8869435.379590824 | 3471331.6484486395 | 21894882.88361145 | 568655.152789728 | 568655.152789728 | 0 | 0 | 22463538.03640118
Portefeuille brut | 20307593 | 1300196.50657 | 13495290.90427637 | 12198966 | 29611055.53828 | 42757768.152660005 | 119670870.10178638 | 5190585.131901346 | 5190585.131901346 | 0 | 0 | 124861455.23368773
Provisions pour créances Fouteuses | 5121718 | 1134085.27028 | 335874.5490838208 | 414877 | 2612565.26891 | 1172205.68053 | 10791325.76880382 | 335609.88173 | 335609.88173 | 0 | 0 | 11126935.65053382
Portefeuille de crédit improFuctif | 10130506 | 1217794.3471827519 | 133952.050119184 | 221246 | 4189305 | 515675.30692000006 | 16408478.704221936 | 668613.759138912 | 668613.759138912 | 0 | 0 | 17077092.463360846
Dépôts US convertis | 97343765 | 2518307.3939699996 | 27529779.587390415 | 31720988 | 100911508.17694536 | 158645726.4219839 | 418670074.58028966 | 6207544.323874031 | 6207544.323874031 | 0 | 0 | 424877618.9041637
Immobilisation /A | 0.23627323601918881 | 0.2479333880769439 | 1.472260936385767 | 0.3544225047230896 | 0.49304508565954325 | 0.2089788886171141 | 0.3682702553597907 | 0.5036361455220862 | 0.5036361455220862 | #DIV/0! | #DIV/0! | 0.3710718643946463
Liquidité en % de l'actif | 0.6962369526394648 | 0.7624662607836128 | 0.4580974786729863 | 0.6085194856333487 | 0.49776572804158636 | 0.5866568441886675 | 0.5782202069266416 | 0.1839732138610941 | 0.1839732138610941 | #DIV/0! | #DIV/0! | 0.5711940209221565
Liquidité en % des dépôts | 0.8945456547730612 | 1.2518382057379558 | 0.5574593787797875 | 0.7760759356167866 | 0.5971581543981941 | 0.6929843611834251 | 0.7044312258636759 | 0.2752823701934658 | 0.2752823701934658 | #DIV/0! | #DIV/0! | 0.6981835089681825
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
BPH | 2309710.1153700002 | BNC | 19200000 | UNIBK | 41585562.47213001 | UNIBK | 22064791.71491
SOGEBL | 2223401.04649 | SOGEBK | 3000000 | SOGEBK | 26998490.269369997 | SOGEBK | 12716435.682110008
CBNA | 0 | CAPITALBK | 350000 | BNC | 15185875 | BNC | 11989898
BUH | 21592877.181520864 | UNIBK | 3000000 | BUH | 13159416.355192548 | CAPITALBK | 5162934
CAPITALBK | 32535607 | BPH | 1400000 | CAPITALBK | 11784089 | BUH | 3399734.550547265
BNC | 49591442 | BUH | 0 | SOGEBL | 4854975.250171347 | SOGEBL | 1199473.3952500003
SOGEBK | 85164394.95818 | CBNA | 0 | BPH | 166111.2362899999 | CBNA | 0
UNIBK | 132494477.02978782 | SOGEBL | 0 | CBNA | 0 | BPH | 1421922.6404900001
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbanmars 25$]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES CONVERTIES)
AU 31 Mars 2025
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 5291290 | 28006.29261 | 115919.923105664 | 446220 | 551413.44392 | 892967.2670117599 | 7325816.926647423 | 4846.85776 | 4846.85776 | 0 | 0 | 7330663.784407423
Avoirs à la BRH | 15285308 | 826690.78214 | 13208309.467978928 | 13473917 | 47833267.55525 | 77659363.8980266 | 168286856.70339555 | 1426348.8795300003 | 1426348.8795300003 | 0 | 0 | 169713205.58292556
Avoirs à l'étranger | 1477521 | 0 | 1718144.3086716319 | 9751515 | 6975760.03137 | 17167381.306468226 | 37090321.646509856 | 0 | 0 | 0 | 0 | 37090321.646509856
Avoirs dans les banques locales | 0 | 0 | 288130.548248704 | 1178 | 0 | 0 | 289308.548248704 | 40782.401939999996 | 40782.401939999996 | 0 | 0 | 330090.950188704
Autres liquidités | 59850 | 9348.27934 | 2333.6617059359996 | 90688 | 166890.80174999998 | 567494.1986112319 | 896604.9414071678 | 14313.39819 | 14313.39819 | 0 | 0 | 910918.3395971678
22113969 | 864045.35409 | 15332837.909710864 | 23763518 | 55527331.832289994 | 96287206.67011783 | 213888908.7662087 | 1486291.5374200004 | 1486291.5374200004 | 0 | 0 | 215375200.3036287
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 | 16318473 | 0 | 4701446.536413849 | 3148547 | 37382921.565409996 | 41684408.746994756 | 103235796.8488186 | 1612037.8819200003 | 1612037.8819200003 | 0 | 0 | 104847834.7307386
Portefeuille net | 5070373 | 626792.96703 | 9390191.49218592 | 7164369 | 16192387.13179 | 28470484.480790004 | 66914598.071795925 | 2664522.4148913464 | 2664522.4148913464 | 0 | 0 | 69579120.48668727
Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres actifs | 392155 | 1182367.71686 | 236463.2926917579 | 347329 | 349653.8707299999 | 664220.5324356799 | 3172189.412717438 | 1150259.13492 | 1150259.13492 | 0 | 0 | 4322448.547637438
43894970 | 2673206.03798 | 29660939.23100239 | 34423763 | 109452294.40021998 | 167106320.4303383 | 387211493.0995407 | 6913110.969151347 | 6913110.969151347 | 0 | 0 | 394124604.0686921
PASSIF
Dépôts
À vue | 16668118 | 881772.98063 | 11454036.161099005 | 15344895 | 46032323.15344738 | 78445176.1444799 | 168826321.4396563 | 3233096.0045467354 | 3233096.0045467354 | 0 | 0 | 172059417.44420302
Épargne | 16511748 | 248258.16344 | 5712459.752694512 | 8580547 | 34221079.44773156 | 54276585.62778862 | 119550677.9916547 | 910530.6107696638 | 910530.6107696638 | 0 | 0 | 120461208.60242435
À terme | 6639789 | 1388276.2499 | 10363283.673596896 | 7795546 | 20658105.575766418 | 25923964.649715375 | 72768965.1489787 | 2063917.7085576316 | 2063917.7085576316 | 0 | 0 | 74832882.85753633
39819655 | 2518307.3939699996 | 27529779.587390415 | 31720988 | 100911508.17694536 | 158645726.4219839 | 361145964.5802897 | 6207544.323874031 | 6207544.323874031 | 0 | 0 | 367353508.9041637
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 | 1365574 | 91961.38862 | 1471264.499763776 | 1486572 | 5894809.76039 | 5152207.275153663 | 15462388.92392744 | 209003.58431 | 209003.58431 | 0 | 0 | 15671392.50823744
1365574 | 91961.38862 | 1471264.499763776 | 1486572 | 5894809.76039 | 5152207.275153663 | 15462388.92392744 | 209003.58431 | 209003.58431 | 0 | 0 | 15671392.50823744
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 | 2724968 | 11238.59856 | 456525.690315077 | 0 | 745101.8027199998 | 1395762.7724981918 | 5333596.864093268 | 313271.04 | 313271.04 | 0 | 0 | 5646867.904093268
2724968 | 11238.59856 | 456525.690315077 | 0 | 745101.8027199998 | 1395762.7724981918 | 5333596.864093268 | 313271.04 | 313271.04 | 0 | 0 | 5646867.904093268
Autres passifs | 0 | 4961.57106 | 75794.05706669283 | 1264652 | 1820916.92785 | 1898934.107503648 | 5065258.6634803405 | 180349.95236000002 | 180349.95236000002 | 0 | 0 | 5245608.615840341
43910197 | 2626468.9522099993 | 29533363.83453596 | 34472212 | 109372336.66790535 | 167092630.5771394 | 387007209.03179073 | 6910168.9005440315 | 6910168.9005440315 | 0 | 0 | 393917377.9323347
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
43910197 | 2626468.9522099993 | 29533363.83453596 | 34472212 | 109372336.66790535 | 167092630.5771394 | 387007209.03179073 | 6910168.9005440315 | 6910168.9005440315 | 0 | 0 | 393917377.9323347
Actif devises en % actif total | 0.3509628726361541 | 0.3619844336363696 | 0.6292631298075969 | 0.6369817213446691 | 0.6179546860588155 | 0.6545751356160198 | 0.5813611225811611 | 0.5720188198979856 | 0.5720188198979856 | #DIV/0! | #DIV/0! | 0.5811946260510246
Dépôts devises en % dépôts totaux | 0.4090622034189863 | 0.5598784780197972 | 0.7107313072601938 | 0.748591790955504 | 0.6834973461686752 | 0.7340646284450177 | 0.6605806485316786 | 0.7685646803372249 | 0.7685646803372249 | #DIV/0! | #DIV/0! | 0.6621527223029143
[bilsysbanmars 25 gdes ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (GOURDES EXCLUANT LES DEVISES)
AU 31 Mars 2025
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 4500050 | 154242.90035 | 1257419.10041 | 1159431 | 2829600.88464 | 4301545.632359999 | 14202289.517760001 | 62858.27631 | 62858.27631 | 0 | 0 | 14265147.794070002
Avoirs à la BRH | 22586013 | 1263764.4163 | 4898811.0954 | 7360406 | 26756655.856540002 | 31452095.03811 | 94317745.40635 | 513587.54381 | 513587.54381 | 0 | 0 | 94831332.95016
Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Avoirs dans les banques locales | 0 | 0 | 92313.19709 | 49422 | 6914.37 | 2324.093210000763 | 150973.66030000075 | 148317.20178 | 148317.20178 | 0 | 0 | 299290.86208000075
Autres liquidités | 391410 | 27657.44463 | 11495.87891 | 202830 | 43892.014709999996 | 451305.59599 | 1128590.93424 | 12346.48717 | 12346.48717 | 0 | 0 | 1140937.4214100002
27477473 | 1445664.76128 | 6260039.27181 | 8772089 | 29637063.125890005 | 36207270.359670006 | 109799599.51865 | 737109.50907 | 737109.50907 | 0 | 0 | 110536709.02772
Bons B.R.H. | 19200000 | 1400000 | 0 | 350000 | 3000000 | 3000000 | 26950000 | 0 | 0 | 0 | 0 | 26950000
Bons du Trésor / M.E.F. | 18287000 | 1921000 | 0 | 0 | 0 | 14273000 | 34481000 | 0 | 0 | 0 | 0 | 34481000
Autres Placements | -32428 | 0 | 1353872.7881409898 | 2482304 | 14315606.894079998 | 13486159.807099998 | 31605515.489320986 | 1009417.27507 | 1009417.27507 | 0 | 0 | 32614932.764390986
Portefeuille net | 10115502 | -460681.73073999997 | 3769224.863006628 | 4619720 | 10806103.13758 | 13115077.99134 | 41964946.26118663 | 2190452.83528 | 2190452.83528 | 0 | 0 | 44155399.09646663
Immobilisations | 2832892 | 352542.09784 | 5005296.372851761 | 1829860 | 6269776.120170001 | 4611075.650149999 | 20901442.24101176 | 604098.15744 | 604098.15744 | 0 | 0 | 21505540.39845176
Autres actifs | 3294715 | 53133.45648 | 1086615.3071989457 | 1564259 | 3639415.89689 | 3490842.25181 | 13128980.912378944 | 631271.9568099999 | 631271.9568099999 | 0 | 0 | 13760252.869188944
81175154 | 4711658.584860001 | 17475048.603008326 | 19618232 | 67667965.17461 | 88183426.06007001 | 278831484.42254835 | 5172349.73367 | 5172349.73367 | 0 | 0 | 284003834.15621835
PASSIF
Dépôts
À vue | 27749386 | 842011.4449 | 5510047.073220002 | 4561525 | 25785156.399949998 | 25390882.742779996 | 89839008.66084999 | 627741.87439 | 627741.87439 | 0 | 0 | 90466750.53524
Épargne | 24019977 | 352268.01008999994 | 3401815.7079800004 | 3803552 | 16391953.87796 | 25460671.19628 | 73430237.79231 | 333736.39522 | 333736.39522 | 0 | 0 | 73763974.18753
À terme | 5754747 | 785366.7121 | 2292798.20856 | 2288148 | 4551323.005929998 | 6622282.24211 | 22294665.1687 | 907778.855615 | 907778.855615 | 0 | 0 | 23202444.024315
57524110 | 1979646.1670900001 | 11204660.989760004 | 10653225 | 46728433.28383999 | 57473836.181169994 | 185563911.62186 | 1869257.125225 | 1869257.125225 | 0 | 0 | 187433168.74708498
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 | 4864754 | 298938.85497 | 1725441.087059978 | 2047285 | 4528008.15329 | 5209637.16434 | 18674064.259659976 | 205151.75498000003 | 205151.75498000003 | 0 | 0 | 18879216.014639977
4864754 | 298938.85497 | 1725441.087059978 | 2697285 | 4528008.15329 | 5209637.16434 | 19324064.259659976 | 205151.75498000003 | 205151.75498000003 | 0 | 0 | 19529216.014639977
Obligations à terme
Banques locales | 1961567 | 0 | 0 | 334448 | 1989599.3765699998 | 2277056.7475900003 | 6562671.124159999 | 1460281.15564 | 1460281.15564 | 0 | 0 | 8022952.2798
Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 3869816 | 1033721.3934500001 | 93967.80102752728 | 76016 | -120347.24491999997 | 776767.5577000002 | 5729941.507257529 | 30109.91861000005 | 30109.91861000005 | 0 | 0 | 5760051.425867529
5831383 | 1033721.3934500001 | 93967.80102752728 | 410464 | 1869252.1316499999 | 3053824.3052900005 | 12292612.631417528 | 1490391.07425 | 1490391.07425 | 0 | 0 | 13783003.70566753
Autres passifs | 949782 | 24166.61477 | 1178819.5712299724 | 645875 | 1905793.6511199998 | 395026.59081 | 5099463.427929972 | 411018.4525799999 | 411018.4525799999 | 0 | 0 | 5510481.880509973
69170029 | 3336473.0302800005 | 14202889.449077481 | 14406849 | 55031487.21989999 | 66132324.24160999 | 222280051.94086745 | 3975818.407035 | 3975818.407035 | 0 | 0 | 226255870.34790245
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 728155.76157 | 2025000 | 3000000 | 12527000 | 21445155.76157 | 300000 | 300000 | 0 | 0 | 21745155.76157
Réserves | 1715157 | 58117.833620000005 | 902534.062 | 836620 | 3504304.7636 | 2545510.76168 | 9562244.4209 | 344448.16109 | 344448.16109 | 0 | 0 | 9906692.58199
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 | 7274741 | -815520.19313 | 570490.447937265 | 2299930 | 6212130.918510007 | 6992280.95323 | 22534053.126547273 | 555025.2341600002 | 555025.2341600002 | 0 | 0 | 23089078.36070727
11989898 | 1421922.6404900001 | 3399734.550547265 | 5162934 | 12716435.682110008 | 22064791.71491 | 56755716.58805728 | 1199473.3952500003 | 1199473.3952500003 | 0 | 0 | 57955189.98330727
81159927 | 4758395.670770001 | 17602623.999624748 | 19569783 | 67747922.90201 | 88197115.95651999 | 279035768.5289247 | 5175291.802285001 | 5175291.802285001 | 0 | 0 | 284211060.3312097
[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 | 2002485 | 0 | 0 | 351217 | 2073134.0531 | 1826456.9254700001 | 6253292.97857 | 1488519.52855 | 1488519.52855 | 0 | 0 | 7741812.50712
Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 6786556 | 1037834.48537 | 648875.8221621392 | -43916 | 221756.84806 | 2956151.8217208683 | 11607258.977313008 | 345714.21172999986 | 345714.21172999986 | 98013 | 98013 | 12050986.189043008
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 | 39819655 | 2518307.3939699996 | 27529779.587390415 | 31720988 | 100911508.17694536 | 158645726.4219839 | 361145964.58028966 | 6207544.323874031 | 6207544.323874031 | 0 | 0 | 367353508.9041637
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
[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 | 2002485 | 0 | 0 | 351217 | 2073134.0531 | 1826456.9254700001 | 6253292.97857 | 1488519.52855 | 1488519.52855 | 0 | 0 | 7741812.50712
Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 6786556 | 1037834.48537 | 648875.8221621392 | -43916 | 221756.84806 | 2956151.8217208683 | 11607258.977313008 | 345714.21172999986 | 345714.21172999986 | 98013 | 98013 | 12050986.189043008
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 | 39819655 | 2518307.3939699996 | 27529779.587390415 | 31720988 | 100911508.17694536 | 158645726.4219839 | 361145964.58028966 | 6207544.323874031 | 6207544.323874031 | 0 | 0 | 367353508.9041637
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 2 2025 (Janv.- Mars 2025)
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 252828 | 3226.5227400000003 | 360184.8882500001 | 461980 | 652829.84029 | 1316082.62403 | 3047131.87531 | 131508.77241 | 131508.77241 | 0 | 0 | 3178640.6477200002
Intérêts sur Bons B.R.H. | 344366 | 14586.5 | 1053 | 12753 | 400314.93955999997 | 58113.07143 | 831186.51099 | 0 | 0 | 0 | 0 | 831186.51099
Autres | 759020 | 77184.91482 | 59919.07458290699 | 81834 | 290257.12338 | 1000067.66288 | 2268282.7756629074 | 36620.036819999994 | 36620.036819999994 | 0 | 0 | 2304902.8124829074
1356214 | 94997.93756 | 421156.9628329071 | 556567 | 1343401.90323 | 2374263.35834 | 6146601.161962908 | 168128.80923 | 168128.80923 | 0 | 0 | 6314729.971192908
Dépenses d'intérêt | 166062 | 10523.33511 | 103324.53671 | 132045 | 254298.01460999998 | 323907.27402 | 990160.16045 | 44315.33817 | 44315.33817 | 0 | 0 | 1034475.49862
1190152 | 84474.60245 | 317832.4261229071 | 424522 | 1089103.88862 | 2050356.08432 | 5156441.001512907 | 123813.47106000001 | 123813.47106000001 | 0 | 0 | 5280254.472572908
AUTRES REVENUS
Commissions | 104877 | 4405.3183 | 184827.58669444453 | 297144 | 459357.8066599999 | 615457.1473 | 1666068.858954444 | 14156.505710000005 | 14156.505710000005 | 0 | 0 | 1680225.364664444
Gains sur change | 57177 | 3232.42404 | 72932.1658813858 | 146669 | 274090.17989 | 441692.34303 | 995793.1128413858 | 4164.423609999999 | 4164.423609999999 | 0 | 0 | 999957.5364513858
Autres | 7798 | 1397.22338 | 52930.11388632533 | 133241 | 278779.5624 | 630393.27617 | 1104539.1758363252 | 83711.15797 | 83711.15797 | 0 | 0 | 1188250.3338063252
169852 | 9034.96572 | 310689.86646215565 | 577054 | 1012227.54895 | 1687542.7665 | 3766401.147632155 | 102032.08729 | 102032.08729 | 0 | 0 | 3868433.2349221553
PRODUIT NET BANCAIRE | 1360004 | 93509.56817000001 | 628522.2925850628 | 1001576 | 2101331.43757 | 3737898.85082 | 8922842.149145063 | 225845.55835 | 225845.55835 | 0 | 0 | 9148687.707495064
Dotation à la provision pour créances douteuses | 0 | 0 | 16047.158492235349 | 6508 | 170392.9889 | 117873.69029 | 310821.83768223535 | 24000 | 24000 | 0 | 0 | 334821.83768223535
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 1360004 | 93509.56817000001 | 612475.1340928274 | 995068 | 1930938.44867 | 3620025.16053 | 8612020.311462827 | 201845.55835 | 201845.55835 | 0 | 0 | 8813865.869812828
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 784188 | 46207.36542 | 226472.90187 | 312877 | 593758.9138799999 | 1177015.91304 | 3140520.09421 | 48298.40675 | 48298.40675 | 0 | 0 | 3188818.50096
Frais de locaux | 35296 | 4808.4199499999995 | 90156.56497 | 89727 | 51129.447329999995 | 97818.93467 | 368936.36692 | 20411.60011 | 20411.60011 | 0 | 0 | 389347.96703
Amortissement | 55451 | 1946.6166500000002 | 23639.021 | 44685 | 89170.95366999999 | 185073.79615 | 399966.38747 | 3619.5181000000002 | 3619.5181000000002 | 0 | 0 | 403585.90557
Autres dépenses d'exploitation | 246043 | 18225.52525 | 199966.76694914 | 361692 | 637452.9591499999 | 944656.9354300001 | 2408037.18677914 | 41449.59837000001 | 41449.59837000001 | 0 | 0 | 2449486.78514914
1120978 | 71187.92727 | 540235.2547891401 | 808981 | 1371512.2740299997 | 2404565.5792900003 | 6317460.03537914 | 113779.12333 | 113779.12333 | 0 | 0 | 6431239.15870914
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 239026 | 22321.640900000013 | 72239.87930368737 | 186087 | 559426.1746400003 | 1215459.5812399997 | 2294560.2760836873 | 88066.43502 | 88066.43502 | 0 | 0 | 2382626.711103688
Impôts sur le revenu | 0 | 0 | 21241.206891106187 | 13228 | 112708 | 241374.98372999998 | 388552.1906211062 | 23777.59996 | 23777.59996 | 0 | 0 | 412329.7905811062
BÉNÉFICE NET (PERTE NETTE) | 239026 | 22321.640900000013 | 50998.67241258118 | 172859 | 446718.17464000033 | 974084.5975099998 | 1906008.0854625811 | 64288.835060000005 | 64288.835060000005 | 0 | 0 | 1970296.9205225818
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYTÈME
TRIM 2 2024 (Janv.-Mars 2024)
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 496463 | 4054.8814100000004 | 357606.85912 | 511245 | 811013.3638800001 | 1484810.56122 | 3665193.66563 | 120954.25802000001 | 120954.25802000001 | 5898 | 5898 | 3792045.9236500002
Intérêts sur Bons B.R.H. | 11136 | 0 | 351 | 5139 | 205165.65166000003 | 468 | 222259.65166000003 | 0 | 0 | 0 | 0 | 222259.65166000003
Autres | 1092778 | 51358.94677 | 63315.87231174401 | 107403 | 249288.46048000004 | 821575.72546 | 2385720.005021744 | 43070.10773000001 | 43070.10773000001 | 14713 | 14713 | 2443503.1127517438
1600377 | 55413.828180000004 | 421273.731431744 | 623787 | 1265467.4760200002 | 2306854.28668 | 6273173.322311744 | 164024.36575000003 | 164024.36575000003 | 20611 | 20611 | 6457808.688061744
Dépenses d'intérêt | 162261 | 31183.548299999995 | 120930.33789999998 | 134001 | 245761.23576 | 232050.49163 | 926187.61359 | 50388.47794297601 | 50388.47794297601 | 231 | 231 | 976807.091532976
1438116 | 24230.27988000001 | 300343.393531744 | 489786 | 1019706.2402600001 | 2074803.7950499998 | 5346985.708721744 | 113635.88780702402 | 113635.88780702402 | 20380 | 20380 | 5481001.596528768
AUTRES REVENUS
Commissions | 168913 | 8248.99035 | 148029.81072999985 | 263903 | 410689.82381999993 | 576422.91328 | 1576207.5381799997 | 5967.537359999996 | 5967.537359999996 | 12543 | 12543 | 1594718.0755399996
Gains sur change | 54886 | 683.7470899999998 | 65402.33931120558 | 146694 | 333770.61504000006 | 368522.79944000003 | 969959.5008812055 | 3137.7972600000003 | 3137.7972600000003 | 16360 | 16360 | 989457.2981412056
Autres | 15060 | 246.82306 | 55925.89287197234 | 112075 | 98485.47665000003 | 502033.93426 | 783827.1268419723 | 11021.638739999999 | 11021.638739999999 | 42737 | 42737 | 837585.7655819723
238859 | 9179.560500000001 | 269358.04291317775 | 522672 | 842945.91551 | 1446979.64698 | 3329994.165903178 | 20126.973359999996 | 20126.973359999996 | 71640 | 71640 | 3421761.1392631778
PRODUIT NET BANCAIRE | 1676975 | 33409.84038000001 | 569701.4364449218 | 1012458 | 1862652.15577 | 3521783.4420299996 | 8676979.874624923 | 133762.861167024 | 133762.861167024 | 92020 | 92020 | 8902762.735791946
Dotation à la provision pour créances douteuses | 200000 | 9000 | 41603.98867641502 | 52663 | 277101.15221 | 225857.13683 | 806225.277716415 | 11900 | 11900 | 0 | 0 | 818125.277716415
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 1476975 | 24409.84038000001 | 528097.4477685067 | 959795 | 1585551.00356 | 3295926.3051999994 | 7870754.596908508 | 121862.861167024 | 121862.861167024 | 92020 | 92020 | 8084637.458075531
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 723044 | 35051.580570000006 | 222310.79557999998 | 292248 | 610599.72864 | 982419.75232 | 2865673.8571099997 | 39649.642270000004 | 39649.642270000004 | 22999 | 22999 | 2928322.49938
Frais de locaux | 48360 | 4915.4569 | 108460.52502999998 | 47701 | 56515.27704 | 89121.00975 | 355073.26871999993 | 22350.18045 | 22350.18045 | 189 | 189 | 377612.4491699999
Amortissement | 57941 | 1839.17384 | 26453.354330000002 | 33391 | 95368.78628999999 | 189379.94594 | 404373.2604 | 4436.809039999999 | 4436.809039999999 | 3130 | 3130 | 411940.06944000005
Autres dépenses d'exploitation | 257014 | 21116.06903 | 211994.180203319 | 356099 | 647679.8457599999 | 1047911.0899499999 | 2541814.184943319 | 29113.773370000003 | 29113.773370000003 | 25194 | 25194 | 2596121.958313319
1086359 | 62922.280340000005 | 569218.8551433189 | 729439 | 1410163.6377299998 | 2308831.79796 | 6166934.571173319 | 95550.40513 | 95550.40513 | 51512 | 51512 | 6313996.9763033185
0 | 0 | 0 | 0
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 390616 | -38512.439959999996 | -41121.407374812174 | 230356 | 175387.36583000026 | 987094.5072399992 | 1703820.0257351892 | 26312.456037024007 | 26312.456037024007 | 40508 | 40508 | 1770640.4817722123
Impôts sur le revenu | 0 | 0 | -15288.3417045113 | 54140 | 47810 | 156297.6176 | 242959.27589548868 | 7104.363130799988 | 7104.363130799988 | 12583 | 12583 | 262646.63902628864
BÉNÉFICE NET (PERTE NETTE) | 390616 | -38512.439959999996 | -25833.06567030087 | 176216 | 127577.36583000026 | 830796.8896399993 | 1460860.7498397005 | 19208.092906224017 | 19208.092906224017 | 27925 | 27925 | 1507993.8427459237
Commissions / salaires | 0.13373961346003765 | 0.09533801072530397 | 0.8161134739225414 | 0.9497150637470955 | 0.7736436387257963 | 0.5228961991774568 | 0.5305073073807366 | 0.2931050248360419 | #DIV/0! | #DIV/0! | #DIV/0! | 0.5269115705891098
marge nette en % revenus d'intérêts | 0.8775547221898609 | 0.8892256465741318 | 0.7546650160667205 | 0.7627509356465618 | 0.8107059294775598 | 0.8635756758481653 | 0.8389093200682319 | 0.7364203174164121 | #DIV/0! | #DIV/0! | #DIV/0! | 0.8361805645943435
frais d'exploitation en % produit net bancaire | 0.8242461051585143 | 0.7612903006950117 | 0.8595323684816253 | 0.8077080521098748 | 0.6526872674669684 | 0.6432933782471133 | 0.7080098392174788 | 0.5037917245805335 | #DIV/0! | #DIV/0! | #DIV/0! | 0.7029684873209024
REVENUS D'INTÉR. | revnet%revint | AUTRES REVENUS | F.D'EXPL.%PNB | frais d'expl. | bénef.net
UNIBK | 2374263.35834 | CBNA | #DIV/0! | UNIBK | 1687542.7665 | SOGEBL | 0.5037917245805335 | UNIBK | 2404565.5792900003 | UNIBK | 974084.5975099998
BNC | 1356214 | BNC | 0.8775547221898609 | SOGEBK | 1012227.54895 | UNIBK | 0.6432933782471133 | SOGEBK | 1371512.2740299997 | SOGEBK | 446718.17464000033
SOGEBK | 1343401.90323 | UNIBK | 0.8635756758481653 | CAPITALBK | 577054 | SOGEBK | 0.6526872674669684 | BNC | 1120978 | BNC | 239026
CAPITALBK | 556567 | SOGEBK | 0.8107059294775598 | BNC | 169852 | BNC | 0.8242461051585143 | CAPITALBK | 808981 | CAPITALBK | 172859
BUH | 421156.9628329071 | CAPITALBK | 0.7627509356465618 | BUH | 310689.86646215565 | CBNA | #DIV/0! | BUH | 540235.2547891401 | BUH | 50998.67241258118
SOGEBL | 168128.80923 | BUH | 0.7546650160667205 | SOGEBL | 102032.08729 | CAPITALBK | 0.8077080521098748 | BPH | 71187.92727 | SOGEBL | 64288.835060000005
BPH | 94997.93756 | SOGEBL | 0.7364203174164121 | CBNA | 0 | BUH | 0.8595323684816253 | CBNA | 0 | BPH | 22321.640900000013
CBNA | 0 | BPH | 0.8892256465741318 | BPH | 9034.96572 | BPH | 0.7612903006950117 | SOGEBL | 113779.12333 | CBNA | 0
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 - Mars 2025)
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 700410 | 7199.629650000001 | 711300.85117 | 909863 | 1359292.58598 | 2658128.6517000003 | 6346194.7185 | 238507.79129 | 238507.79129 | 94 | 94 | 6584796.5097900005
Intérêts sur Bons B.R.H. | 640912 | 18574 | 2632.5 | 33947 | 771021.5664799999 | 122769.82143000001 | 1589856.88791 | 0 | 0 | 0 | 0 | 1589856.88791
Autres | 1542467 | 131961.17966000002 | 108907.65014463999 | 179867 | 577906.05364 | 1933492.02991 | 4474600.91335464 | 75952.51260999999 | 75952.51260999999 | 5867 | 5867 | 4556420.4259646395
2883789 | 157734.80931000004 | 822841.00131464 | 1123677 | 2708220.2061 | 4714390.503040001 | 12410652.51976464 | 314460.3039 | 314460.3039 | 5961 | 5961 | 12731073.82366464
Dépenses d'intérêt | 334362 | 28859.14757 | 213148.90745 | 270604 | 502419.93125 | 648202.11793 | 1997596.1042000002 | 90534.72086 | 90534.72086 | 0 | 0 | 2088130.8250600002
2549427 | 128875.66174000004 | 609692.09386464 | 853073 | 2205800.27485 | 4066188.385110001 | 10413056.41556464 | 223925.58304 | 223925.58304 | 5961 | 5961 | 10642942.998604639
AUTRES REVENUS
Commissions | 322587 | 9058.388289999999 | 359409.8167177779 | 609463 | 915396.2796299999 | 1282895.0752000003 | 3498809.559837778 | 21889.694850000007 | 21889.694850000007 | 2626 | 2626 | 3523325.254687778
Gains sur change | 124771 | 640.32251 | 135326.35879138578 | 264552 | 517247.59265 | 838138.23232 | 1880675.5062713856 | 8709.84216 | 8709.84216 | 5719 | 5719 | 1895104.3484313856
Autres | 21710 | 1926.6041099999998 | 95810.58340176877 | 248278 | 476851.36584 | 1038411.98298 | 1882988.5363317686 | 91012.29316 | 91012.29316 | 27858 | 27858 | 2001858.8294917685
469068 | 11625.31491 | 590546.7589109325 | 1122293 | 1909495.2381199999 | 3159445.2905 | 7262473.602440933 | 121611.83017 | 121611.83017 | 36203 | 36203 | 7420288.432610933
PRODUIT NET BANCAIRE | 3018495 | 140500.97665000003 | 1200238.8527755723 | 1975366 | 4115295.51297 | 7225633.675610001 | 17675530.018005572 | 345537.41321 | 345537.41321 | 42164 | 42164 | 18063231.43121557
Dotation à la provision pour créances douteuses | 170000 | 0 | 3131.936095723049 | 21652 | 332532.34173 | 245442.92985999997 | 772759.207685723 | 25203.04154 | 25203.04154 | 0 | 0 | 797962.249225723
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 2848495 | 140500.97665000003 | 1197106.9166798494 | 1953714 | 3782763.17124 | 6980190.745750002 | 16902770.81031985 | 320334.37167 | 320334.37167 | 42164 | 42164 | 17265269.181989845
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 1558949 | 82270.66667 | 451580.93762 | 611998 | 1185363.24265 | 2405664.5613 | 6295826.40824 | 87559.01104 | 87559.01104 | 16745 | 16745 | 6400130.41928
Frais de locaux | 67340 | 9626.82201 | 179405.00027000002 | 178897 | 102744.85899 | 189294.23686 | 727307.9181300001 | 42886.163590000004 | 42886.163590000004 | 658 | 658 | 770852.0817200001
Amortissement | 112846 | 3768.80771 | 47719.096390000006 | 86709 | 182821.55375999998 | 378190.85952 | 812055.3173799999 | 7073.46518 | 7073.46518 | 8397 | 8397 | 827525.78256
Autres dépenses d'exploitation | 490083 | 38538.94985 | 393886.164106272 | 746114 | 1317409.89697 | 1856037.3671000001 | 4842069.378026272 | 71296.26481000001 | 71296.26481000001 | 64895 | 64895 | 4978260.642836272
2229218 | 134205.24624 | 1072591.198386272 | 1623718 | 2788339.5523699997 | 4829187.024780001 | 12677259.021776272 | 208814.90462 | 208814.90462 | 90695 | 90695 | 12976768.926396273
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 619277 | 6295.730410000018 | 124515.71829357743 | 329996 | 994423.6188700004 | 2151003.720970001 | 4225511.788543576 | 111519.46705000004 | 111519.46705000004 | -48531 | -48531 | 4288500.255593572
Impôts sur le revenu | 0 | 0 | 36923.95858807329 | 21467 | 199831.8 | 418959.97812 | 677182.7367080733 | 30109.91861 | 30109.91861 | 0 | 0 | 707292.6553180733
BÉNÉFICE NET (PERTE NETTE) | 619277 | 6295.730410000018 | 87591.75970550414 | 308529 | 794591.8188700003 | 1732043.742850001 | 3548329.051835503 | 81409.54844000004 | 81409.54844000004 | -48531 | -48531 | 3581207.6002754983
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
CUMUL 2024 (Octobre 2023 - Mars 2024)
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 1028534 | 8104.11069 | 725583.4952 | 1047366 | 1896103.62545 | 3115384.74493 | 7821075.97627 | 243576.13880000004 | 243576.13880000004 | 11916 | 11916 | 8076568.11507
Intérêts sur Bons B.R.H. | 11136 | 0 | 351 | 14578 | 372878.62418000004 | 468 | 399411.62418000004 | 0 | 0 | 0 | 0 | 399411.62418000004
Autres | 2180206 | 106125.11648 | 129472.85841038401 | 197332 | 466659.50944000005 | 1578230.9760500002 | 4658026.460380385 | 84388.16884000001 | 84388.16884000001 | 28800 | 28800 | 4771214.629220385
3219876 | 114229.22717 | 855407.353610384 | 1259276 | 2735641.75907 | 4694083.72098 | 12878514.060830384 | 327964.3076400001 | 327964.3076400001 | 40716 | 40716 | 13247194.368470386
Dépenses d'intérêt | 330686 | 48515.9249 | 241308.89461999998 | 266551 | 485242.58802 | 554158.89009 | 1926463.29763 | 95350.35464297602 | 95350.35464297602 | 945 | 945 | 2022758.652272976
2889190 | 65713.30227 | 614098.4589903841 | 992725 | 2250399.17105 | 4139924.83089 | 10952050.763200384 | 232613.95299702405 | 232613.95299702405 | 39771 | 39771 | 11224435.716197409
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
AUTRES REVENUS | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Commissions | 432965 | 17044.72892 | 320639.73663999996 | 585465 | 918231.9989299999 | 1237003.2967899998 | 3511349.7612799993 | 10851.826959999995 | 10851.826959999995 | 33728 | 33728 | 3555929.5882399995
Gains sur change | 120836 | 922.0928099999996 | 140404.58963178808 | 327808 | 631639.4387800002 | 907146.71792 | 2128756.839141788 | 8410.03866 | 8410.03866 | 38342 | 38342 | 2175508.877801788
Autres | 32594 | 3334.20191 | 118576.7638112269 | 226048 | 269144.10345 | 815477.20322 | 1465174.2723912268 | 18464.64202 | 18464.64202 | 75573 | 75573 | 1559211.9144112268
586395 | 21301.02364 | 579621.0900830149 | 1139321 | 1819015.5411600003 | 2959627.21793 | 7105280.872813014 | 37726.507639999996 | 37726.507639999996 | 147643 | 147643 | 7290650.380453015
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
PRODUIT NET BANCAIRE | 3475585 | 87014.32591 | 1193719.549073399 | 2132046 | 4069414.7122100005 | 7099552.04882 | 18057331.636013396 | 270340.460637024 | 270340.460637024 | 187414 | 187414 | 18515086.09665042
0 | 0 | 0 | 0 | 0 | 0 | 0
Dotation à la provision pour créances douteuses | 500000 | 18000 | 46289.603551700406 | 113713 | 629592.4645799999 | 480371.99010000005 | 1787967.0582317002 | 10078.592200000001 | 10078.592200000001 | 0 | 0 | 1798045.6504317003
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 | 2975585 | 69014.32591 | 1147429.9455216986 | 2018333 | 3439822.2476300006 | 6619180.05872 | 16269364.577781696 | 260261.868437024 | 260261.868437024 | 187414 | 187414 | 16717040.446218722
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
DÉPENSES D'EXPLOITATION | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Salaires et avantages sociaux | 1438562 | 69934.02198 | 458552.84080999997 | 565602 | 1195722.0391199999 | 2002407.56945 | 5730780.47136 | 79611.31760000001 | 79611.31760000001 | 41045 | 41045 | 5851436.78896
Frais de locaux | 84876 | 9849.18843 | 217051.05636999995 | 80170 | 117525.13246 | 180467.85989999998 | 689939.2371599999 | 41951.15741 | 41951.15741 | 383 | 383 | 732273.3945699999
Amortissement | 111377 | 3671.7901899999997 | 48396.01608 | 66980 | 191823.48997 | 375299.58995 | 797547.88619 | 8805.94036 | 8805.94036 | 7114 | 7114 | 813467.82655
Autres dépenses d'exploitation | 513088 | 57252.33597 | 415531.805996974 | 726466 | 1316258.77233 | 2027171.2981399999 | 5055768.212436974 | 61311.10781000002 | 61311.10781000002 | 64524 | 64524 | 5181603.320246974
2147903 | 140707.33656999998 | 1139531.7192569738 | 1439218 | 2821329.43388 | 4585346.317439999 | 12274035.807146974 | 191679.52318000002 | 191679.52318000002 | 113066 | 113066 | 12578781.330326974
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 827682 | -71693.01065999999 | 7898.226264724741 | 579115 | 618492.8137500007 | 2033833.7412800007 | 3995328.770634722 | 68582.34525702399 | 68582.34525702399 | 74348 | 74348 | 4138259.115891747
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Impôts sur le revenu | 0 | 0 | 1809.6191868613587 | 132037 | 189660 | 380913.78197 | 704420.4011568613 | 18517.233220199996 | 18517.233220199996 | 23093 | 23093 | 746030.6343770614
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BÉNÉFICE NET (PERTE NETTE) | 827682 | -71693.01065999999 | 6088.607077863382 | 447078 | 428832.81375000067 | 1652919.9593100008 | 3290908.3694778606 | 50065.11203682399 | 50065.11203682399 | 51255 | 51255 | 3392228.481514686
[pageint.sect4]
SECTION 4
STATISTIQUES PAR BANQUE
[bncinfin ]
BANQUE NATIONALE DE CRÉDIT (BNC)
Var.mars 25 | 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 | 0.0009303593376560422 | 125070124 | 0 | 0 | 0 | 0 | 0.05651390949554392 | 118380006.99841 | 0.001867986908937221 | 118159286.99713 | -0.017587811870776376 | 120274655.00213 | 0.16181561174710765 | 103523015
Bons B.R.H. | 15000000 | 0.28 | 19200000 | 0 | 0 | 0 | 0 | 0.28859060402684567 | 14900000 | 0 | 0 | 0 | 800000 | -0.2 | 1000000
Prêts nets | 15729675 | -0.034571597951006616 | 15185875 | 0 | 0 | 0 | 0 | -0.03898204667499986 | 15801864 | -0.2062783012541835 | 19908570 | -0.096443949744878 | 22033575 | -0.09050578950008019 | 24226185
Dépôts | 98246412 | -0.009187582341429426 | 97343765 | 0 | 0 | 0 | 0 | 0.04509653316645646 | 93143324 | 0.01014022477865363 | 92208311 | 0.001240622942694337 | 92094057 | 0.17949430932194144 | 78079272
Avoir des Actionnaires | 11750872 | 0.020341128726446854 | 11989898 | 0 | 0 | 0 | 0 | 0.05446290048714138 | 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 - mars. 25) | (oct. 23- mars. 24)
Résultats
Revenus nets d'intérêt | 1359275 | -0.06326279707306451 | 1451074 | 1190152 | -0.17242280873031104 | 1438116 | 0 | 0 | 1486579 | 0 | 0 | 1416087 | 2549427 | -0.11759801189952894 | 2889190
Autres revenus | 299216 | -0.1390359559872934 | 347536 | 169852 | -0.288902658053496 | 238859 | 0 | 0 | 286115 | 0 | 0 | 318196 | 469068 | -0.20008185608676746 | 586395
Dot. à la prov. pr créances douteuses | 170000 | -0.43333333333333335 | 300000 | 0 | 200000 | 0 | 0 | 270000 | 0 | 0 | 240000 | 170000 | -0.66 | 500000
Dépenses d'exploitation | 1108240 | 0.04398875600069333 | 1061544 | 1120978 | 0.031866997926099934 | 1086359 | 0 | 0 | 1142243 | 0 | 0 | 1267350 | 2229218 | 0.03785785484726266 | 2147903
Bénéfice (perte) net | 380251 | -0.1299918090174024 | 437066 | 239026 | -0.38807934134802463 | 390616 | 0 | 0 | 360451 | 0 | 0 | 226933 | 619277 | -0.25179356322838964 | 827682
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 - mars. 25) | (oct. 23- mars. 24) | 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 | 0.09586540427512488 | 0.10183029365040891 | 0 | 0.10556551565757094 | 0 | 0.09605186963836489 | 0.09586540427512488 | 0.10183029365040891 | 0.09605186963836489 | 0.09700061917501576 | 0.08183439811010634 | 0.08406153935914637
Dépôts en % de l'actif | 0.7862614453536114 | 0.7721567159889912 | 0.7783134923572955 | 0.7697804059876 | 0 | 0.7719105979646411 | 0 | 0.7868163413882129 | 0.7783134923572955 | 0.7697804059876 | 0.7868163413882129 | 0.7803729469207077 | 0.765697951894928 | 0.7542213873890747
Qualité de l'actif
Prêts improductifs bruts
en % des prêts bruts | 0.44710630785210487 | 0.3109874642403791 | 0.49885311370973406 | 0.4155162446824524 | 0 | 0.4039337404805326 | 0 | 0.4523539539627359 | 0.49885311370973406 | 0.4155162446824524 | 0.4523539539627359 | 0.31028335835250215 | 0.2061279151235176 | 0.16976937609801523
Provisions pour créances douteuses
en % des prêts improductifs bruts | 0.5493016910492151 | 0.5356636288369491 | 0.5055737590994961 | 0.42986788713604707 | 0 | 0.4352625722351555 | 0 | 0.5450641831583191 | 0.5055737590994961 | 0.42986788713604707 | 0.5450641831583191 | 0.48539821250531273 | 0.6844699825768059 | 0.6749281125897745
Prêts improductifs nets
en % de l'avoir des actionnaires | 0.35755474146939903 | 0.27705767851000174 | 0.41775067644445346 | 0.4324691115113539 | 0 | 0.39859958258156725 | 0 | 0.37958155495640916 | 0.41775067644445346 | 0.4324691115113539 | 0.37958155495640916 | 0.3265283046128944 | 0.16951337268064426 | 0.17351669167153894
Rentabilité
ROA (rendement de l'actif) | 0.012501374705984752 | 0.014779221419122721 | 0.007648097905019327 | 0.013069108924284001 | 0 | 0.011989518040499606 | 0 | 0.007621353539365628 | 0.010175011982294552 | 0.01386155369616948 | 0.011964743583167042 | 0.013168167139600218 | 0.013424277485871085 | 0.012804772919886341
ROE ( rendement avoir des action.) | 0.13156624444623882 | 0.14967940012281616 | 0.08054532350888366 | 0.12919440327699128 | 0 | 0.11562708372069729 | 0 | 0.07558047413106543 | 0.10603822629111964 | 0.13939478912858677 | 0.12395383788951936 | 0.1473769778326529 | 0.16200253044124027 | 0.14321902315891402
Revenus nets d'intérêt
en % des revenus d'intérêt | 0.8898253768227419 | 0.8960017882073407 | 0.8775547221898609 | 0.898610764838535 | 0 | 0.9002400512561511 | 0 | 0.8992073364714758 | 0.8840546239686745 | 0.8972985295085898 | 0.8985184161295512 | 0.8993440556615856 | 0.8894728611533587 | 0.8742902521344234
Rendement moyen des prêts | 0.08561352960488729 | 0.09199836448043659 | 0.04914283387368104 | 0.08774605301122623 | 0 | 0.09003795626455967 | 0 | 0.08851566054730664 | 0.06786819465791234 | 0.0896850671495287 | 0.090355143987379 | 0.08914980071130708 | 0.07913494619422924 | 0.0788273284435848
Rendement moyen des prêts productifs | 0.15558679563868433 | 0.13345296095770823 | 0.0931862262200796 | 0.13770482345355875 | 0 | 0.15254673143927325 | 0 | 0.15461481469977276 | 0.12932910607009512 | 0.14051668881080462 | 0.14511965277975675 | 0.11980193358112166 | 0.09738041457047548 | 0.09286895347513731
Rémunération moyenne des dépôts | 0.007034860009420777 | 0.007336750601620083 | 0.006792242945820331 | 0.007041736188248065 | 0 | 0.007108470465229726 | 0 | 0.006840355331960396 | 0.0070212002662290674 | 0.007145800754582696 | 0.007058486427702675 | 0.006733315548067185 | 0.006003690507811597 | 0.007464132650801321
Dépenses d'exploitation
en % du produit net bancaire | 0.6682218956871036 | 0.5902024341018898 | 0.8242461051585143 | 0.647808703170888 | 0 | 0.6443542991627432 | 0 | 0.7307630876852278 | 0.7385196927607963 | 0.6179975457369047 | 0.6526968181592946 | 0.6617718116162404 | 0.6507434355959172 | 0.6400812257592949
(revenus nets d'int.+autres revenus)
Productivité par employé ('000 gdes) | 8615.537662337661 | 8822.121397915389 | 6514.989221556886 | 8033.413173652694 | 0 | 8754.044444444444 | 0 | 8837.110828025478 | 7855.54977228367 | 8705.284909204758 | 9027.229476405946 | 10669.382322923046 | 6754.8363997558 | 5654.609610621538
[bncvar]
BANQUE NATIONALE DE CRÉDIT (BNC)
BILAN
ANALYSE DES VARIATIONS
(En milliers de gourdes)
Var.mars 25 | 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 | 0.21805424364145143 | 9791340 | 0 | 0 | 0 | 0 | 0.0833275799804563 | 9038208 | 0.737295716755426 | 5202458 | -0.11195439377446413 | 5858323 | 0.18497830525081502 | 4943823
Avoirs à la BRH | 42356511 | -0.10589139412356226 | 37871321 | 0 | 0 | 0 | 0 | 0.06874472648468989 | 35435329 | -0.080507078965869 | 38537903 | 0.0014565306925318799 | 38481853 | 0.20349147715429378 | 31975177
Avoirs à l'étranger | 1901499 | -0.22297040387609984 | 1477521 | 0 | 0 | 0 | 0 | -0.27807726491182894 | 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 | 0
Autres liquidités | 467529 | -0.034797841417323845 | 451260 | 0 | 0 | 0 | 0 | 0.24206267288716404 | 363315 | -0.4727137358714015 | 689028 | 0.2645778427068574 | 544868 | 0.6701600370282954 | 326237
52764048 | -0.06012817667059965 | 49591442 | 0 | 0 | 0 | 0 | 0.057758978270798435 | 46883499 | -0.008302435876297077 | 47276005 | -0.05155582764775458 | 49845849 | 0.15996921229553404 | 42971700
Bons B.R.H. | 15000000 | 0.28 | 19200000 | 0 | 0 | 0 | 0 | 0.28859060402684567 | 14900000 | 0 | 0 | 0 | 800000 | -0.2 | 1000000
Bons du Trésor / M.E.F. | 18883000 | -0.03156278133771117 | 18287000 | 0 | 0 | 0 | 0 | 0.047665425379547405 | 17455000 | -0.3606227106227106 | 27300000 | 0.05813953488372093 | 25800000 | 0.425414364640884 | 18100000
Autres Placements | 16201275 | 0.005232304247659521 | 16286045 | 0 | 0 | 0 | 0 | -0.04429890604626271 | 17040940 | -0.042690717623271486 | 17800872 | 0.18835284339545177 | 14979450 | 0.24755154854898515 | 12007079
Portefeuille net | 15729675 | -0.034571597951006616 | 15185875 | 0 | 0 | 0 | 0 | -0.03898204667499986 | 15801864 | -0.2062783012541835 | 19908570 | -0.096443949744878 | 22033575 | -0.09050578950008019 | 24226185
Immobilisations | 2847591.9984100005 | -0.0051622558351787935 | 2832892 | 0 | 0 | 0 | 0 | -0.01335796320873921 | 2871245.9984100005 | -0.02094039595496456 | 2932656.99713 | -0.012998776612205007 | 2971280.00213 | 0.07784804831394886 | 2756678
Autres actifs | 3528282 | 0.04494765441084358 | 3686870 | 0 | 0 | 0 | 0 | 0.07568641249579135 | 3427458 | 0.16533313296044483 | 2941183 | -0.2349636532803607 | 3844501 | 0.5619335224689634 | 2461373
124953871.99841 | 0.0009303593376560422 | 125070124 | 0 | 0 | 0 | 0 | 0.05651390949554392 | 118380006.99841 | 0.001867986908937221 | 118159286.99713 | -0.017587811870776376 | 120274655.00213 | 0.16181561174710765 | 103523015
PASSIF
Dépôts
À vue | 46122647 | -0.03696975587719412 | 44417504 | 0 | 0 | 0 | 0 | 0.03676625962940269 | 42842351 | -0.0012128163940567124 | 42894374 | -0.05901912889895229 | 45584746 | 0.17756926391991626 | 38710883
Épargne | 39774079 | 0.019048737747013576 | 40531725 | 0 | 0 | 0 | 0 | 0.06552909036132859 | 38039060 | 0.02638736044503788 | 37061115 | 0.08604302341647545 | 34124905 | 0.1983036327610699 | 28477678
À terme | 12349686 | 0.003631671282978369 | 12394536 | 0 | 0 | 0 | 0 | 0.010815849044109186 | 12261913 | 0.0007419515275746273 | 12252822 | -0.010624974665720746 | 12384406 | 0.1371531206732049 | 10890711
98246412 | -0.009187582341429426 | 97343765 | 0 | 0 | 0 | 0 | 0.04509653316645646 | 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
Banques à l'étranger | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 4977297 | 0.25174929283906505 | 6230328 | 0 | 0 | 0 | 0 | 0.4941217916143172 | 4169893 | -0.12660307531576623 | 4774339 | 0.08141253162578625 | 4414910 | 0.4966435854548364 | 2949874
4977297 | 0.25174929283906505 | 6230328 | 0 | 0 | 0 | 0 | 0.4941217916143172 | 4169893 | -0.12660307531576623 | 4774339 | 0.08141253162578625 | 4414910 | 0.4966435854548364 | 2949874
Obligations à terme
Banques locales | 2002485 | -0.02043361123803674 | 1961567 | 0 | 0 | 0 | 0 | -0.04004700012087703 | 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
Autres | 6786556 | -0.0282576317059787 | 6594784 | 0 | 0 | 0 | 0 | -0.023955101944161596 | 6756640 | 0.037368600524868616 | 6513249 | 0.0033361616071989736 | 6491592 | 0.23621209339738986 | 5251196
8789041 | -0.026475015874883278 | 8556351 | 0 | 0 | 0 | 0 | -0.027691695457258768 | 8800039 | -0.007262631342520175 | 8864418 | -0.29667682776853 | 12603620 | -0.006940672843980271 | 12691709
Autres passifs | 1190250 | -0.20203150598613737 | 949782 | 0 | 0 | 0 | 0 | 0.05987077767734592 | 896130 | 0.053409271242924904 | 850695 | -0.3552722923853929 | 1319464 | 0.1996697749523574 | 1099856
113203000 | -0.0010845472293137108 | 113080226 | 0 | 0 | 0 | 0 | 0.05673184593358942 | 107009386 | 0.002920614183823142 | 106697763 | -0.03381525531930943 | 110432051 | 0.16464061316730688 | 94820711
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 0 | 3000000 | 0 | 0 | 0 | 0 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000
Réserves | 1623185 | 0.05666144031641495 | 1715157 | 0 | 0 | 0 | 0 | 0.05666144031641495 | 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 | 0.020631377331804833 | 7274741 | 0 | 0 | 0 | 0 | 0.07814894428046446 | 6747436 | 0.22811683446993994 | 5494132 | 0.1704272894309376 | 4694125 | 0.305393266363492 | 3595947
11750872 | 0.020341128726446854 | 11989898 | 0 | 0 | 0 | 0 | 0.05446290048714138 | 11370621 | -0.007931144235269236 | 11461524 | 0.16448086299113526 | 9842604 | 0.1310342640293881 | 8702304
124953872 | 0.0009303593249195191 | 125070124 | 0 | 0 | 0 | 0 | 0.056513909481353555 | 118380007 | 0.0018679868980590582 | 118159287 | -0.017587811829516367 | 120274655 | 0.1618156117265325 | 103523015
Hors-bilan
Effets à l'encaissement | 1623465 | 0.001520205240026733 | 1625933 | 0 | 0 | -0.006202626887055103 | 1636081 | 1670693 | 1464704 | 1211933
Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 4719125 | -0.03230281037268561 | 4566684 | 0 | 0 | -0.06868889568675436 | 4903500 | 3933127 | 4662878 | 4577443
Portefeuille brut | 20850473 | -0.026036819404528618 | 20307593 | 0 | 0 | 0 | 0 | -0.03172730094535787 | 20973010 | -0.10519719634561565 | 23438695 | -0.0863140585932172 | 25652901 | -0.06243855144168766 | 27361301
Provisions pour créances douteuses | 5120798 | 0.00017965949838286924 | 5121718 | 0 | 0 | 0 | 0 | -0.009558422833159226 | 5171146 | 0.46486200913565384 | 3530125 | -0.024645748959889215 | 3619326 | 0.1544472357641631 | 3135116
Portefeuille de crédit improductif | 9322378 | 0.08668689469575253 | 10130506 | 0 | 0 | 0 | 0 | 0.06780508186588616 | 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 | 9791340 | 0.07828680173052359 | 0 | 0 | 0 | 0 | 9038208 | 0.07634910851222872 | 5202458 | 0.04402919256043212 | 5858323 | 0.048707876151432336 | 4943823 | 0.047755786478977644
Avoirs à la BRH | 42356511 | 0.3389771787187113 | 37871321 | 0.30280069923013747 | 0 | 0 | 0 | 0 | 35435329 | 0.2993354190330124 | 38537903 | 0.32615212887105566 | 38481853 | 0.3199498098690743 | 31975177 | 0.3088702256208438
Avoirs à l'étranger | 1901499 | 0.015217607662643667 | 1477521 | 0.01181354069817665 | 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 | 451260 | 0.0036080559094992183 | 0 | 0 | 0 | 0 | 363315 | 0.0030690570917509727 | 689028 | 0.0058313486608694235 | 544868 | 0.004530197987184837 | 326237 | 0.003151347553005484
52764048 | 0.4222682111097078 | 49591442 | 0.39650909756833697 | 0 | 0 | 0 | 0 | 46883499 | 0.3960423739511158 | 47276005 | 0.4001040138397949 | 49845849 | 0.4144335229988168 | 42971700 | 0.41509320415368506
Bons B.R.H. | 15000000 | 0.12004429922900564 | 19200000 | 0.15351387994146387 | 0 | 0 | 0 | 0 | 14900000 | 0.12586584827791172 | 0 | 0 | 800000 | 0.006651442899468989 | 1000000 | 0.0096596877515594
Bons du Trésor / M.E.F. | 18883000 | 0.15111976682275424 | 18287000 | 0.14621397512966405 | 0 | 0 | 0 | 0 | 17455000 | 0 | 27300000 | 0 | 25800000 | 0 | 18100000 | 0
Autres Placements | 16201275 | 0.12965804693276056 | 16286045 | 0.13021531025267075 | 0 | 0 | 0 | 0 | 17040940 | 0.14395116567469776 | 17800872 | 0.15065148455434035 | 14979450 | 0.12454369542556344 | 12007079 | 0.11598463394830609
Portefeuille net | 15729675 | 0.1258838541650006 | 15185875 | 0.12141888497687905 | 0 | 0 | 0 | 0 | 15801864 | 0.13348422931088558 | 19908570 | 0.1684892529901908 | 22033575 | 0.18319383247958432 | 24226185 | 0.23401738251151205
Immobilisations | 2847591.9984100005 | 0.022789145729283485 | 2832892 | 0.022650429290371536 | 0 | 0 | 0 | 0 | 2871245.9984100005 | 0.024254484107680153 | 2932656.99713 | 0.024819521779961586 | 2971280.00213 | 0.02470412409062724 | 2756678 | 0.02662864871159326
Autres actifs | 3528282 | 0.028236676011487633 | 3686870 | 0.029478422840613798 | 0 | 0 | 0 | 0 | 3427458 | 0.028953014000464076 | 2941183 | 0.02489167863776496 | 3844501 | 0.03196434859806429 | 2461373 | 0.023776094620119013
124953871.99841 | 1 | 125070124 | 1 | 0 | 0 | 0 | 0 | 118380006.99841 | 1 | 118159286.99713 | 1 | 120274655.00213 | 1 | 103523015 | 1
PASSIF
Dépôts
À vue | 46122647 | 0.36911738918012 | 44417504 | 0.3551408008518485 | 0 | 0 | 0 | 0 | 42842351 | 0.3619052920023516 | 42894374 | 0.36302160490391133 | 45584746 | 0.37900541888224676 | 38710883 | 0.373935042367149
Épargne | 39774079 | 0.3183100960689407 | 40531725 | 0.3240719982015849 | 0 | 0 | 0 | 0 | 38039060 | 0.3213301043351933 | 37061115 | 0.3136538476311234 | 34124905 | 0.2837248213216298 | 28477678 | 0.2750854773694526
À terme | 12349686 | 0.09883396010455078 | 12394536 | 0.09910069330386208 | 0 | 0 | 0 | 0 | 12261913 | 0.103580945050668 | 12252822 | 0.10369749438567288 | 12384406 | 0.10296771169105144 | 10890711 | 0.10520086765247322
98246412 | 0.7862614453536114 | 97343765 | 0.7783134923572955 | 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 | 6230328 | 0.04981467836395525 | 0 | 0 | 0 | 0 | 4169893 | 0.03522463890423665 | 4774339 | 0.04040595641133113 | 4414910 | 0.0367069022141183 | 2949874 | 0.028494861746443532
4977297 | 0.039833075361308805 | 6230328 | 0.04981467836395525 | 0 | 0 | 0 | 0 | 4169893 | 0.03522463890423665 | 4774339 | 0.04040595641133113 | 4414910 | 0.0367069022141183 | 2949874 | 0.028494861746443532
Obligations à terme
Banques locales | 2002485 | 0.016025793902773026 | 1961567 | 0.015683737548705078 | 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 | 6786556 | 0.05431249061322691 | 6594784 | 0.05272869162582745 | 0 | 0 | 0 | 0 | 6756640 | 0.05707585403412546 | 6513249 | 0.05512261596634551 | 6491592 | 0.05397306689331212 | 5251196 | 0.050724913682237714
8789041 | 0.07033828451599994 | 8556351 | 0.06841242917453252 | 0 | 0 | 0 | 0 | 8800039 | 0.07433720628279905 | 8864418 | 0.07502091647028396 | 12603620 | 0.10479032344575669 | 12691709 | 0.1225979459736562
Autres passifs | 1190250 | 0.009525515143821599 | 949782 | 0.0075939958290918465 | 0 | 0 | 0 | 0 | 896130 | 0.007569943799817787 | 850695 | 0.007199561046950653 | 1319464 | 0.010970424317381188 | 1099856 | 0.010624265531679115
113203000 | 0.9059583203747418 | 113080226 | 0.9041345957248751 | 0 | 0 | 0 | 0 | 107009386 | 0.9039481303750664 | 106697763 | 0.9029993808492734 | 110432051 | 0.9181656018721842 | 94820711 | 0.9159384606408536
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 0.02400885984580113 | 3000000 | 0.02398654374085373 | 0 | 0 | 0 | 0 | 3000000 | 0.025342117102935244 | 3000000 | 0.02538945584592828 | 3000000 | 0.024942910873008713 | 3000000 | 0.028979063254678198
Réserves | 1623185 | 0.01299027372293557 | 1715157 | 0.013713562800977155 | 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 | 7274741 | 0.05816529773329401 | 0 | 0 | 0 | 0 | 6747436 | 0.05699810441885366 | 5494132 | 0.04649767394190055 | 4694125 | 0.03902838050058734 | 3595947 | 0.034735725191156766
11750872 | 0.09404167963798293 | 11989898 | 0.09586540427512488 | 0 | 0 | 0 | 0 | 11370621 | 0.09605186963836489 | 11461524 | 0.09700061917501576 | 9842604 | 0.08183439811010634 | 8702304 | 0.08406153935914637
124953872 | 1.0000000000127247 | 125070124 | 1 | 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)
Mars 25 | Septembre 24
ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total
Disponibilités
Encaisse | 5291290 | 4500050 | 9791340 | 0.540405092663517 | 5110723 | 3927485 | 9038208 | 0.5654575553029981
Avoirs à la BRH | 15285308 | 22586013 | 37871321 | 0.40361169339722797 | 13717556 | 21717773 | 35435329 | 0.38711524309538653
Avoirs à l'étranger | 1477521 | 0 | 1477521 | 1 | 2046647 | 0 | 2046647 | 1
Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres liquidités | 59850 | 391410 | 451260 | 0.1326286398085361 | 67495 | 295820 | 363315 | 0.18577542903541006
22113969 | 27477473 | 49591442 | 0.4459230889071546 | 20942421 | 25941078 | 46883499 | 0.446690657623485
Bons B.R.H. | 19200000 | 19200000 | 0 | 14900000 | 14900000 | 0
Bons du Trésor / M.E.F. | 0 | 18287000 | 18287000 | 0 | 0 | 17455000 | 17455000 | 0
Autres Placements | 16318473 | -32428 | 16286045 | 1.0019911525480865 | 16673368 | 367572 | 17040940 | 0.9784300631303203
Portefeuille net | 5070373 | 10115502 | 15185875 | 0.3338874447471746 | 4867965 | 10933899 | 15801864 | 0.3080627070325374
Immobilisations | 0 | 2832892 | 2832892 | 0 | 0 | 2871245.9984100005 | 2871245.9984100005 | 0
Autres actifs | 392155 | 3294715 | 3686870 | 0.10636529088359503 | 599008 | 2828450 | 3427458 | 0.17476742238708687
43894970 | 81175154 | 125070124 | 0.3509628726361541 | 43082762 | 75297244.99841 | 118380006.99841 | 0.36393613324062957
PASSIF
Dépôts
À vue | 16668118 | 27749386 | 44417504 | 0.37526012267596126 | 16845203 | 25997148 | 42842351 | 0.3931904437270494
Épargne | 16511748 | 24019977 | 40531725 | 0.4073783684262143 | 15973481 | 22065579 | 38039060 | 0.4199231263864039
À terme | 6639789 | 5754747 | 12394536 | 0.535702909733773 | 6616811 | 5645102 | 12261913 | 0.5396230588163528
39819655 | 57524110 | 97343765 | 0.4090622034189863 | 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 | 1365574 | 4864754 | 6230328 | 0.21918171884369492 | 901653 | 3268240 | 4169893 | 0.2162292893366808
1365574 | 4864754 | 6230328 | 0.21918171884369492 | 901653 | 3268240 | 4169893 | 0.2162292893366808
Obligations à terme
Banques locales | 1961567 | 1961567 | 0 | 2043399 | 2043399 | 0
Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 2724968 | 3869816 | 6594784 | 0.41320049299567657 | 2749321 | 4007319 | 6756640 | 0.4069065393449999
2724968 | 5831383 | 8556351 | 0.3184731435164359 | 2749321 | 6050718 | 8800039 | 0.3124214563140004
Autres passifs | 0 | 949782 | 949782 | 0 | 0 | 896130 | 896130 | 0
43910197 | 69170029 | 113080226 | 0.3883101277141063 | 43086469 | 63922917 | 107009386 | 0.40264196077155323
AVOIR DES ACTIONNAIRES
Capital versé | 0 | 3000000 | 3000000 | 0 | 0 | 3000000 | 3000000 | 0
Réserves | 0 | 1715157 | 1715157 | 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 | 7274741 | 7274741 | 0 | 0 | 6747436 | 6747436 | 0
0 | 11989898 | 11989898 | 0 | 0 | 11370621 | 11370621 | 0
43910197 | 81159927 | 125070124 | 0.3510846203366681 | 43086469 | 75293538 | 118380007 | 0.36396744764510786
*Converties au taux de 130.5296 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 | -0.43512473691971526 | 252828 | 0 | 0 | 0 | 0 | 532071 | -0.06692339932076734 | 496463 | 0.009666379971921372 | 501262 | -0.04916590525513604 | 476617
Intérêts sur bons B.R.H. | 296546 | 0.16125660099950767 | 344366 | 0 | 0 | 0 | 0 | 0 | 0 | 11136 | 8.686512212643677 | 107869 | 1.2248560754248208 | 239993
Autres | 783447 | -0.0311788800008169 | 759020 | 0 | 0 | 0 | 0 | 1087428 | 0.00491986595894165 | 1092778 | -0.04629943135751269 | 1042183 | -0.17652945787831886 | 858207
1527575 | -0.11217845277645942 | 1356214 | 0 | 0 | 0 | 0 | 1619499 | -0.011807355237638307 | 1600377 | 0.03182812549792955 | 1651314 | -0.04632492669474128 | 1574817
Dépenses d'intérêt | 168300 | -0.013297682709447416 | 166062 | 0 | 0 | 0 | 0 | 168425 | -0.0365978922369007 | 162261 | 0.015247040262293465 | 164735 | -0.036452484292955355 | 158730
1359275 | -0.12442147468319509 | 1190152 | 0 | 0 | 0 | 0 | 1451074 | -0.008929937411875618 | 1438116 | 0.03369895057144208 | 1486579 | -0.04741893972671483 | 1416087
AUTRES REVENUS
Commissions | 217710 | -0.5182720132286068 | 104877 | 0 | 0 | 0 | 0 | 264052 | -0.36030403102419223 | 168913 | 0.2471272193377656 | 210656 | 0.09538774115145071 | 230750
Gains sur change | 67594 | -0.15411131165488062 | 57177 | 0 | 0 | 0 | 0 | 65950 | -0.16776345716451857 | 54886 | 0.09672776299967205 | 60195 | -0.07809618739097932 | 55494
Autres | 13912 | -0.4394767107533065 | 7798 | 0 | 0 | 0 | 0 | 17534 | -0.14109729668073456 | 15060 | 0.013545816733067729 | 15264 | 1.0932914046121593 | 31952
299216 | -0.4323431902037324 | 169852 | 0 | 0 | 0 | 0 | 347536 | -0.31270717278210025 | 238859 | 0.1978405670290841 | 286115 | 0.11212624294427066 | 318196
PRODUIT NET BANCAIRE | 1658491 | -0.17997504960834879 | 1360004 | 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 | -0.3333333333333333 | 200000 | 0.35 | 270000 | -0.1111111111111111 | 240000
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 1488491 | -0.08632030694172824 | 1360004 | 0 | 0 | 0 | 0 | 1498610 | -0.014436711352520002 | 1476975 | 0.017413294063880567 | 1502694 | -0.005597280617344582 | 1494283
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 774761 | 0.012167623305767844 | 784188 | 0 | 0 | 0 | 0 | 715518 | 0.010518253908357303 | 723044 | -0.023340211660701146 | 706168 | -0.11222117116606813 | 626921
Frais de locaux | 32044 | 0.10148545749594308 | 35296 | 0 | 0 | 0 | 0 | 36516 | 0.3243509694380545 | 48360 | 0.34276261373035566 | 64936 | -0.10337871134655661 | 58223
Amortissement | 57395 | -0.033870546214827074 | 55451 | 0 | 0 | 0 | 0 | 53436 | 0.08430646006437607 | 57941 | -0.021780776997290346 | 56679 | 0.014449796220822526 | 57498
Autres dépenses d'exploitation | 244040 | 0.008207670873627275 | 246043 | 0 | 0 | 0 | 0 | 256074 | 0.003670813905355483 | 257014 | 0.2235131160170263 | 314460 | 0.6686001399224066 | 524708
1108240 | 0.01149390023821555 | 1120978 | 0 | 0 | 0 | 0 | 1061544 | 0.023376327311915475 | 1086359 | 0.051441558453513066 | 1142243 | 0.10952748233081752 | 1267350
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 380251 | -0.3713994177530105 | 239026 | 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 | -0.3713994177530105 | 239026 | 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- mars 25) | 2024 (oct23.- mars 24) | 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 | 252828 | -0.49074150540926514 | 496463 | 0 | 0 | 501262 | 0 | 0 | 476617 | 700410 | -0.31902105326610497 | 1028534 | 2006413
Intérêts sur bons B.R.H. | 296546 | 0 | 0 | 344366 | 29.923670977011493 | 11136 | 0 | 0 | 107869 | 0 | 0 | 239993 | 640912 | 56.55316091954023 | 11136 | 358998
Autres | 783447 | -0.2795412661803816 | 1087428 | 759020 | -0.305421595237093 | 1092778 | 0 | 0 | 1042183 | 0 | 0 | 858207 | 1542467 | -0.29251318453393854 | 2180206 | 4080596
1527575 | -0.05676076366827025 | 1619499 | 1356214 | -0.15256592665353227 | 1600377 | 0 | 0 | 1651314 | 0 | 0 | 1574817 | 2883789 | -0.10437886427924553 | 3219876 | 6446007
Dépenses d'intérêt | 168300 | -0.0007421701053881549 | 168425 | 166062 | 0.0234252223269917 | 162261 | 0 | 0 | 164735 | 0 | 0 | 158730 | 334362 | 0.011116285539756748 | 330686 | 654151
1359275 | -0.06326279707306451 | 1451074 | 1190152 | -0.17242280873031104 | 1438116 | 0 | 0 | 1486579 | 0 | 0 | 1416087 | 2549427 | -0.11759801189952894 | 2889190 | 5791856
AUTRES REVENUS
Commissions | 217710 | -0.17550330995409996 | 264052 | 104877 | -0.37910640388839223 | 168913 | 0 | 0 | 210656 | 0 | 0 | 230750 | 322587 | -0.25493515642141973 | 432965 | 874371
Gains sur change | 67594 | 0.024927975739196362 | 65950 | 57177 | 0.04174106329482928 | 54886 | 0 | 0 | 60195 | 0 | 0 | 55494 | 124771 | 0.0325647985699626 | 120836 | 236525
Autres | 13912 | -0.20657009239192425 | 17534 | 7798 | -0.48220451527224434 | 15060 | 0 | 0 | 15264 | 0 | 0 | 31952 | 21710 | -0.3339264895379518 | 32594 | 79810
299216 | -0.1390359559872934 | 347536 | 169852 | -0.288902658053496 | 238859 | 0 | 0 | 286115 | 0 | 0 | 318196 | 469068 | -0.20008185608676746 | 586395 | 1190706
PRODUIT NET BANCAIRE | 1658491 | -0.0779040481260529 | 1798610 | 1360004 | -0.18901355118591512 | 1676975 | 0 | 0 | 1772694 | 0 | 0 | 1734283 | 3018495 | -0.13151455078785299 | 3475585 | 6982562
Dotation à la provision pour créances douteuses | 170000 | -0.43333333333333335 | 300000 | 0 | 0 | 200000 | 0 | 0 | 270000 | 0 | 0 | 240000 | 170000 | -0.66 | 500000 | 1010000
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 1488491 | -0.006752257091571523 | 1498610 | 1360004 | -0.07919633033734491 | 1476975 | 0 | 0 | 1502694 | 0 | 0 | 1494283 | 2848495 | -0.042710929111418425 | 2975585 | 5972562
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 774761 | 0.08279735799798188 | 715518 | 784188 | 0.08456470145661951 | 723044 | 0 | 0 | 706168 | 0 | 0 | 626921 | 1558949 | 0.08368565275601608 | 1438562 | 2771651
Frais de locaux | 32044 | -0.12246686384050827 | 36516 | 35296 | -0.27014061207609597 | 48360 | 0 | 0 | 64936 | 0 | 0 | 58223 | 67340 | -0.20660728592299354 | 84876 | 208035
Amortissement | 57395 | 0.07408862938842728 | 53436 | 55451 | -0.042974750176904095 | 57941 | 0 | 0 | 56679 | 0 | 0 | 57498 | 112846 | 0.013189437675642188 | 111377 | 225554
Autres dépenses d'exploitation | 244040 | -0.046994228230902005 | 256074 | 246043 | -0.04268639062463524 | 257014 | 0 | 0 | 314460 | 0 | 0 | 524708 | 490083 | -0.04483636335287514 | 513088 | 1352256
1108240 | 0.04398875600069333 | 1061544 | 1120978 | 0.031866997926099934 | 1086359 | 0 | 0 | 1142243 | 0 | 0 | 1267350 | 2229218 | 0.03785785484726266 | 2147903 | 4557496
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 380251 | -0.1299918090174024 | 437066 | 239026 | -0.38807934134802463 | 390616 | 0 | 0 | 360451 | 0 | 0 | 226933 | 619277 | -0.25179356322838964 | 827682 | 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 | 239026 | -0.38807934134802463 | 390616 | 0 | 0 | 360451 | 0 | 0 | 226933 | 619277 | -0.25179356322838964 | 827682 | 1415066
[BNCVARAN ]
BANQUE NATIONALE DE CRÉDIT (BNC)
RÉSULTATS
ANALYSE DES VARIATIONS ANNUELLES
(En milliers de gourdes)
CUMUL (Octobre-Mars) | ANNÉE
2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 700410 | -0.31902105326610497 | 1028534 | 2006413 | -0.08309825235016244 | 2188253 | 0.04319858245680902 | 2097638.0114 | 0.023893291791855075 | 2048688.10863
Intérêts sur Bons B.R.H. | 640912 | 56.55316091954023 | 11136 | 358998 | 69.96224550306384 | 5059 | -0.9587777551436137 | 122725 | 1.4625278407608804 | 49837
Autres | 1542467 | -0.29251318453393854 | 2180206 | 4080596 | 0.027577615476684823 | 3971083 | 0.6536298728176582 | 2401434 | 0.17529472860810588 | 2043261.1
2883789 | -0.10437886427924553 | 3219876 | 6446007 | 0.045683639675913046 | 6164395 | 0.3337658457944105 | 4621797.0114 | 0.11589463545217031 | 4141786.20863
Dépenses d'intérêt | 334362 | 0.011116285539756748 | 330686 | 654151 | 0.05426095477233059 | 620483 | 0.21464702819311166 | 510834 | -0.018877665376196427 | 520662.9
2549427 | -0.11759801189952894 | 2889190 | 5791856 | 0.044723653622207565 | 5543912 | 0.34856771628115546 | 4110963.0114 | 0.13527285900554548 | 3621123.30863
AUTRES REVENUS
Commissions | 322587 | -0.25493515642141973 | 432965 | 874371 | -0.08004524172760272 | 950450 | 0.22976219896412475 | 772873 | 0.1040017712640969 | 700065
Gains sur change | 124771 | 0.0325647985699626 | 120836 | 236525 | 2.7641113995047584 | -134076 | -1.4662150884611105 | 287584 | 0.3732928389968101 | 209412
Autres | 21710 | -0.3339264895379518 | 32594 | 79810 | -0.5396736591358715 | 173377 | -0.5194530905704411 | 360791 | 4.657691704563274 | 63770
469068 | -0.20008185608676746 | 586395 | 1190706 | 0.20303591509379632 | 989751 | -0.3036042970684919 | 1421248 | 0.4603158293834967 | 973247
PRODUIT NET BANCAIRE | 3018495 | -0.13151455078785299 | 3475585 | 6982562 | 0.06870556378558246 | 6533663 | 0.18102201570698384 | 5532211.0114 | 0.2041282351595329 | 4594370.30863
Dotation à la provision pour créances douteuses | 170000 | -0.66 | 500000 | 1010000 | 0.578125 | 640000 | 0.4883720930232558 | 430000 | -0.033707865168539325 | 445000
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 2848495 | -0.042710929111418425 | 2975585 | 5972562 | 0.01338709050721088 | 5893663 | 0.15511941525578588 | 5102211.0114 | 0.2296350125194298 | 4149370.30863
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 1558949 | 0.08368565275601608 | 1438562 | 2771651 | -0.009528591312986565 | 2798315 | 0.19603080437053463 | 2339668 | 0.1561777487121984 | 2023623.1
Frais de locaux | 67340 | -0.20660728592299354 | 84876 | 208035 | 0.5715224584145402 | 132378 | 0.19713507989762974 | 110579 | 0.06727214817245607 | 103609
Amortissement | 112846 | 0.013189437675642188 | 111377 | 225554 | 0.28345282804142485 | 175740 | 0.14145048778269964 | 153962 | -0.01839997959808222 | 156848
Autres dépenses d'exploitation | 490083 | -0.04483636335287514 | 513088 | 1352256 | 0.11080936550456273 | 1217361 | 0.22244514937625584 | 995841 | 0.5164550710294472 | 656690.07874
2229218 | 0.03785785484726266 | 2147903 | 4557496 | 0.05405021608337492 | 4323794 | 0.2010372078165581 | 3600050 | 0.22418610812439416 | 2940770.1787400004
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 619277 | -0.25179356322838964 | 827682 | 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) | 619277 | -0.25179356322838964 | 827682 | 1415066 | -0.09860886481610887 | 1569869 | 0.045073722514536965 | 1502161.0114000002 | 0.2428933062722069 | 1208600.1298899995
[bphinfin ]
BANQUE POPULAIRE HAÏTIENNE (BPH)
INDICATEURS FINANCIERS
Var.mars 25 | 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 | -0.023197966303567876 | 7384864.62284 | 0 | 0 | 0 | 0 | 0.2040873174835477 | 6133163.696362 | 0.08457337798521888 | 5654908.94470912 | 0 | 5654908.94470912 | 0.13091239986930125 | 5000306.783586999
Bons B.R.H. | 1300000 | 0.07692307692307693 | 1400000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Prêts nets | 171676.19908000017 | -0.03241545898512706 | 166111.2362899999 | 0 | 0 | 0 | 0 | -0.6196712234280859 | 436756.94957199995 | 0.40807200217933887 | 310180.8351391199 | 0 | 310180.8351391199 | 0.03488718909236587 | 299724.2969170001
Dépôts | 4781307.22223 | -0.05926280157288118 | 4497953.56106 | 0 | 0 | 0 | 0 | -0.13317133581597582 | 5188976.49202 | 0.10623030487645456 | 4690683.72937 | 0 | 4690683.72937 | 0.14275078134580654 | 4104730.27535
Avoir des Actionnaires | 1399600.9995900001 | 0.015948574562706735 | 1421922.6404900001 | 0 | 0 | 0 | 0 | 5.009854078331999 | -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 - mars. 25) | (oct. 23- mars. 24)
Résultats
Revenus nets d'intérêt | 44401.059290000005 | 0.07034291938919657 | 41483.02239 | 84474.60245 | 2.4863238422485763 | 24230.27988000001 | 0 | 0 | 48636.102960000004 | 0 | 0 | 18183.607190000002 | 128875.66174000004 | 0.9611807242692088 | 65713.30227
Autres revenus | 2590.34919 | -0.7863006173362005 | 12121.46314 | 9034.96572 | -0.015751819490704512 | 9179.560500000001 | 0 | 0 | 55287.0605 | 0 | 0 | 6300.16874 | 11625.31491 | -0.4542367960115555 | 21301.02364
Dot. à la prov. pr créances douteuses | 0 | 0 | 9000 | 0 | 0 | 9000 | 0 | 0 | -18000 | 0 | 0 | 0 | 0 | 0 | 18000
Dépenses d'exploitation | 63017.31897 | -0.1898531411526369 | 77785.05622999999 | 71187.92727 | 0.13136280003421114 | 62922.280340000005 | 0 | 0 | 57633.990860000005 | 0 | 0 | 55620.949720000004 | 134205.24624 | -0.04621003061034615 | 140707.33656999998
Bénéfice (perte) net | -16025.910489999995 | 0.5170091968912397 | -33180.57069999999 | 22321.640900000013 | 1.5795956039966266 | -38512.439959999996 | 0 | 0 | 64289.172600000005 | 0 | 0 | -31137.17379 | 6295.730410000018 | 1.0878151210563212 | -71693.01065999999
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 - mars. 25) | (oct. 23- mars. 24) | 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 | 0.19254552562714017 | -0.10795244099006078 | 0 | -0.09662373789722041 | 0 | -0.10344990964757711 | 0.19254552562714017 | -0.10795244099006078 | -0.10344990964757711 | -0.06686489273143852 | -0.062068107649796 | -0.06988296413271866
Dépôts en % de l'actif | 0.6324273845125151 | 0.8576755910829691 | 0.6090773210857073 | 0.8586154246883387 | 0 | 0.8425195975138358 | 0 | 0.8414350207480251 | 0.6090773210857073 | 0.8586154246883387 | 0.8414350207480251 | 0.850869114226354 | 0.8294888167489815 | 0.8208956876052808
Qualité de l'actif
Prêts improductifs bruts
en % des prêts bruts | 0.9322462463523669 | 0.9124819160739528 | 0.9366233034999992 | 0.9204950581095075 | 0 | 0.9226256772917395 | 0 | 0.9382284066400062 | 0.9366233034999992 | 0.9204950581095075 | 0.9382284066400062 | 0.9078580468580435 | 0.8837942060835163 | 0.8479007695801347
Provisions pour créances douteuses
en % des prêts improductifs bruts | 0.9316074566646522 | 0.9139952304133397 | 0.9312617297851608 | 0.9182333327027283 | 0 | 0.9269091510677405 | 0 | 0.9232978904696956 | 0.9312617297851608 | 0.9182333327027283 | 0.9232978904696956 | 0.864907141465704 | 0.8711693742290048 | 0.8961444012475123
Prêts improductifs nets
en % de l'avoir des actionnaires | NA | NA | 0.05887034534727243 | NA | 0 | N/A | 0 | N/A | 0.05887034534727243 | NA | NA | N/A | N/A | N/A
Rentabilité
ROA (rendement de l'actif) | -0.009851268315057438 | -0.023833784854414883 | 0.011948597774023717 | -0.02821149031739372 | 0 | 0.04654032336713623 | 0 | -0.02270476536473646 | 0.001961453272702208 | -0.02541429399776222 | -0.00687979387098508 | -0.013153830039779876 | -0.008179240704489846 | -0.01696378627100233
ROE (rendement avoir des action.) | -0.1534717185681187 | -0.28138371738343704 | 0.0632896087288983 | -0.2664609483969341 | 0 | 0.45495450126525466 | 0 | -0.22700859435131782 | 0.029360916662353864 | -0.29206816376480893 | -0.08125028551912283 | -0.2039780027757108 | -0.12442656964191413 | -0.24028951709875565
Revenus nets d'intérêt
en % des revenus d'intérêt | 0.7077346710389653 | 0.7053088664254933 | 0.8892256465741318 | 0.4372605300123484 | 0 | 0.6085503603294993 | 0 | 0.36600263372803415 | 0.8170400833129837 | 0.5752757319473336 | 0.5435420977459703 | 0.8248298888818657 | 0.8040760696012017 | 0.7160007339410267
Rendement moyen des prêts | 0.012147547117744042 | 0.011675318706338892 | 0.009906442898541529 | 0.011818478458983905 | 0 | 0.09292569810673944 | 0 | 0.019068412025028004 | 0.01102815459473315 | 0.011708597527382748 | 0.033756721476318904 | 0.02563961706888353 | 0.0184541692292859 | 0.02910772446253817
Rendement moyen des prêts productifs | 0.18758929080732253 | 0.12994251715626262 | 0.1510828752261323 | 0.14150442253314507 | 0 | 1.1844393230973453 | 0 | 0.27386605387353063 | 0.1762508914772209 | 0.1363185962988799 | 0.43585208442128304 | 0.24665174140256527 | 0.1382750432870205 | 0.1756920006057282
Rémunération moyenne des dépôts | 0.015654020735884212 | 0.014575628662535223 | 0.00907256330499974 | 0.026618672976353827 | 0 | 0.026626537793011978 | 0 | 0.02727841400242722 | 0.012703238348423365 | 0.020122784791614896 | 0.023476402361626635 | 0.008833825763133048 | 0.009276072555108485 | 0.014843405159227984
Dépenses d'exploitation
en % du produit net bancaire | 1.3410391603141834 | 1.451092300596136 | 0.7612903006950117 | 1.8833457336020947 | 0 | 0.5545827218989856 | 0 | 2.2717472124815346 | 0.9551908423691372 | 1.6170594335872386 | 1.1789099687829194 | 1.1955920043491077 | 1.0354164764976057 | 1.181564322333451
(revenus nets d'int.+autres revenus)
Productivité par employé ('000 gdes) | 1347.4238990681006 | 1715.34353696 | 2992.3061814400003 | 1069.1148921600002 | 0 | 3325.5412307200004 | 0 | 739.1328582641511 | 1958.2017651567949 | 1392.22921456 | 1625.820870188679 | 2144.556142795699 | 1638.5794736398464 | 1276.8962666165414
[bphvar]
BANQUE POPULAIRE HAÏTIENNE (BPH)
BILAN
ANALYSE DES VARIATIONS
(En milliers de gourdes)
Var.mars 25 | 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 | -0.3590686469121224 | 182249.19296000001 | 0 | 0 | 0 | 0 | -0.36056068573270195 | 285014.05668 | -0.39785123242982184 | 473328.30694 | -0.33419587564406544 | 710912.24825 | 1.2839135849939394 | 311269.32863
Avoirs à la BRH | 1681339.59246 | 0.24332717067669546 | 2090455.19844 | 0 | 0 | 0 | 0 | 0.13426421998627003 | 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 | -0.15051853498893825 | 37005.72397 | 0 | 0 | 0 | 0 | 0.6230841435640397 | 22799.633719999998 | 2.4895692436523054 | 6533.65276 | -0.8830463642081198 | 55865.324029999996 | -0.31611259046905577 | 81687.89665
2009252.87927 | 0.1495367950942851 | 2309710.1153700002 | 0 | 0 | 0 | 0 | 0.07387460706273173 | 2150819.1926499996 | 0.07075562278707372 | 2008692.87714 | -0.11531380896063452 | 2270514.55927 | 0.2339164706930553 | 1840087.7313799998
Bons B.R.H. | 1300000 | 0 | 1400000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Bons du Trésor / M.E.F. | 2490000 | -0.2285140562248996 | 1921000 | 0 | 0 | 0 | 0 | 0.25162887672660933 | 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 | -0.03241545898512706 | 166111.2362899999 | 0 | 0 | 0 | 0 | -0.05268649484836438 | 175349.8027703201 | -0.4165284151858363 | 300528.43588976003 | -0.031118619063072128 | 310180.8351391199 | 0.03488718909236587 | 299724.2969170001
Immobilisations | 352577.11397999997 | -9.931484095689104e-05 | 352542.09784 | 0 | 0 | 0 | 0 | 0.003209282398725576 | 351414.31007999997 | 0.19615070713625063 | 293787.65399999986 | 0.1920960696066227 | 246446.29027 | -0.2895195091152242 | 346872.70577
Autres actifs | 1236740.78514 | -0.0010023214362254143 | 1235501.17334 | 0 | 0 | 0 | 0 | -0.004961653291941088 | 1241661.86904 | -0.008308030349338181 | 1252064.0552100001 | 0.12518052982278138 | 1112767.26003 | 0.15238385513581038 | 965622.04952
7560246.97747 | -0.023197966303567876 | 7384864.62284 | 0 | 0 | 0 | 0 | 0.3540160351646544 | 5454045.17454032 | -0.051482450145325584 | 5750073.0222397605 | 0.016828578224885152 | 5654908.94470912 | 0.13091239986930125 | 5000306.783586999
PASSIF
Dépôts | 0 | 0
à vue | 1993650.9686699999 | -0.13536298348152312 | 1723784.4255300001 | 0 | 0 | 0 | 0 | -0.09209432808543547 | 1898638.2383700002 | -0.14349878217693338 | 2216737.34825 | 0.054434094820035486 | 2102300.52228 | 0.1636145494406905 | 1806698.38074
Épargne | 600010.13213 | 0.0008600544763601822 | 600526.1735299999 | 0 | 0 | 0 | 0 | 0.06576559816013894 | 563469.27933 | -0.03752630740521581 | 585438.6293 | 0.00017922779124967338 | 585333.72123 | 0.12332685279925207 | 521071.6006400001
À terme | 2187646.12143 | -0.006401016733385812 | 2173642.962 | 0 | 0 | 0 | 0 | 0.021872733366585722 | 2127117.0969000002 | 0.01757262923151411 | 2090383.56162 | 0.04360055823708403 | 2003049.48586 | 0.12723367689037227 | 1776960.29397
4781307.22223 | -0.05926280157288118 | 4497953.56106 | 0 | 0 | 0 | 0 | -0.019888120805774925 | 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
Banques à l'étranger | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 292689.79441000003 | 0.3355444947370686 | 390900.24358999997 | 0 | 0 | 0 | 0 | 0.07792397514308534 | 362641.75638000004 | 0.23876204511382815 | 292745.29181 | -0.1320641165982629 | 337289.07562 | 0.1757971590961116 | 286859.91713
292689.79441000003 | 0.3355444947370686 | 390900.24358999997 | 0 | 0 | 0 | 0 | 0.07792397514308534 | 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
Autres | 1037834.48537 | 0.006865744721770072 | 1044959.99201 | 0 | 0 | 0 | 0 | 0.00582960781875573 | 1038903.5915099999 | 0.14080895963919626 | 910672.71407 | -0.045122881159008976 | 953706.70854 | 0.016375286830606 | 938341.1038200001
1037834.48537 | 0.006865744721770072 | 1044959.99201 | 0 | 0 | 0 | 0 | 0.00582960781875573 | 1038903.5915099999 | 0.14080895963919626 | 910672.71407 | -0.045122881159008976 | 953706.70854 | 0.016375286830606 | 938341.1038200001
Autres passifs | 48814.475869999995 | -0.4032879527873541 | 29128.185830000002 | 0 | 0 | 0 | 0 | 0.05937270260262491 | 27495.69227 | -0.2871868706382453 | 38573.493019999994 | 0.5927002436384845 | 24218.928310000003 | 0.22245290381890295 | 19811.747539999997
6160645.97788 | -0.03209143912827688 | 5962941.98249 | 0 | 0 | 0 | 0 | -0.009192627152682101 | 6018265.654760001 | -0.01895580990171096 | 6134551.03807 | 0.021421040911005582 | 6005898.44184 | 0.12265175964956596 | 5349743.0438399995
AVOIR DES ACTIONNAIRES
Capital versé | 165000 | 0 | 165000 | 0 | 0 | 0 | 0 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000
Réserves | 58117.833620000005 | 0 | 58117.833620000005 | 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 | 2014325 | 0 | 0 | 0 | 0 | 36.43957065895661 | 53802.03257 | -0.7753587642130965 | 239502.03257 | 1.2957300030673378 | 104325 | -0.4015488312060806 | 174325
BNR | -837841.83403 | 0.026641831421371522 | -815520.19313 | 0 | 0 | 0 | 0 | 0.030458833273435997 | -841140.3467100001 | -0.1811898132076098 | -1027271.47302 | 0.19644116933904673 | -858605.92175 | 0.02306309953253562 | -839250.2106100001
1399600.9995900001 | 0.015948574562706735 | 1421922.6404900001 | 0 | 0 | 0 | 0 | 3.52015424746638 | -564220.4805200001 | 0.46749737901652766 | -384478.01583000005 | 0.09541174016268797 | -350989.49713 | 0.004444980957996317 | -349436.25961000007
7560246.97747 | -0.023197966285049946 | 7384864.62298 | 0 | 0 | 0 | 0 | 0.35401603526488035 | 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 | 0
Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 182052.65643 | 0.3456271036161118 | 244974.98877752002 | 0 | 0 | -0.1749084464806851 | 296906.431453107 | 248905.123197079 | 224784.359406334 | 202711.42267
Portefeuille brut | 1305398.88063 | -0.003985275410600426 | 1300196.50657 | 0 | 0 | 0 | 0 | -0.008366841726898598 | 1311166.83193032 | -0.06291160133473502 | 1399192.2574197599 | 0.03780087659373862 | 1348228.0550891198 | 0.0802874296785037 | 1248027.1620770001
Provisions pour créances douteuses | 1133722.6815499999 | 0.0003198213601093957 | 1134085.27028 | 0 | 0 | 0 | 0 | -0.0015246812079235995 | 1135817.02916 | 0.033816720731060845 | 1098663.8215299998 | 0.058394840249097385 | 1038047.2199499999 | 0.09463680653844488 | 948302.86516
Portefeuille de crédit improductif | 1216953.206459899 | 0.0006911857566814473 | 1217794.3471827519 | 0 | 0 | 0 | 0 | -0.010063308690395487 | 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 | 182249.19296000001 | 0.024678745280764858 | 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 | 2090455.19844 | 0.28307292079188756 | 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 | 37005.72397 | 0.005011022660530329 | 0 | 0 | 0 | 0 | 22799.633719999998 | 0.0041803162589172365 | 6533.65276 | 0.0011362730064000163 | 55865.324029999996 | 0.009879084628280186 | 81687.89665 | 0.01633657697126349
2009252.87927 | 0.26576550809222194 | 2309710.1153700002 | 0.3127626887331828 | 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 | 1400000 | 0.18957693492038605 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Bons du Trésor / M.E.F. | 2490000 | 0.3293543196962153 | 1921000 | 0.260126637130044 | 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 | 166111.2362899999 | 0.022493470736924415 | 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 | 352542.09784 | 0.047738464527792894 | 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 | 1235501.17334 | 0.16730180395166985 | 0 | 0 | 0 | 0 | 1241661.86904 | 0.22765888974226367 | 1252064.0552100001 | 0.21774750518251643 | 1112767.26003 | 0.19677898811635755 | 965622.04952 | 0.19311256115115907
7560246.97747 | 1 | 7384864.62284 | 1 | 0 | 0 | 0 | 0 | 5454045.17454032 | 1 | 5750073.0222397605 | 1 | 5654908.94470912 | 1 | 5000306.783586999 | 1
PASSIF
Dépôts
À vue | 1993650.9686699999 | 0.26370183072209175 | 1723784.4255300001 | 0.23342126275391134 | 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 | 600526.1735299999 | 0.08131850808377518 | 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 | 2173642.962 | 0.29433755024802083 | 0 | 0 | 0 | 0 | 2127117.0969000002 | 0.3900072384492632 | 2090383.56162 | 0.3635403504503247 | 2003049.48586 | 0.3542142774436899 | 1776960.29397 | 0.3553702544417259
4781307.22223 | 0.6324273845125151 | 4497953.56106 | 0.6090773210857073 | 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 | 390900.24358999997 | 0.05293262145673177 | 0 | 0 | 0 | 0 | 362641.75638000004 | 0.06649042037143822 | 292745.29181 | 0.05091157811000638 | 337289.07562 | 0.059645359265347045 | 286859.91713 | 0.057368463485398265
292689.79441000003 | 0.03871431651402839 | 390900.24358999997 | 0.05293262145673177 | 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 | 1044959.99201 | 0.1415002231426335 | 0 | 0 | 0 | 0 | 1038903.5915099999 | 0.19048312917532098 | 910672.71407 | 0.1583758520192281 | 953706.70854 | 0.168651116731475 | 938341.1038200001 | 0.18765670676447488
1037834.48537 | 0.13727520919128838 | 1044959.99201 | 0.1415002231426335 | 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 | 29128.185830000002 | 0.003944308706744872 | 0 | 0 | 0 | 0 | 27495.69227 | 0.005041339297729121 | 38573.493019999994 | 0.006708348375891564 | 24218.928310000003 | 0.00428281490414799 | 19811.747539999997 | 0.003962106406156928
6160645.97788 | 0.8148736405356999 | 5962941.98249 | 0.8074544743918175 | 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 | 165000 | 0.022342995901331212 | 0 | 0 | 0 | 0 | 165000 | 0.030252774724020614 | 165000 | 0.028695287757533456 | 165000 | 0.0291781886522467 | 165000 | 0.03299797535255153
Réserves | 58117.833620000005 | 0.007687292993627684 | 58117.833620000005 | 0.007869857687066118 | 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 | 2014325 | 0.2727639710239333 | 0 | 0 | 0 | 0 | 53802.03257 | 0.009864610733543212 | 239502.03257 | 0.04165199844309273 | 104325 | 0.01844857291603416 | 174325 | 0.03486286092929421
BNR | -837841.83403 | -0.11082201897991165 | -815520.19313 | -0.11043129898519048 | 0 | 0 | 0 | 0 | -841140.3467100001 | -0.15422320860789226 | -1027271.47302 | -0.17865363953584343 | -858605.92175 | -0.1518337306833798 | -839250.2106100001 | -0.16783974402625731
1399600.9995900001 | 0.18512635946430017 | 1421922.6404900001 | 0.19254552562714017 | 0 | 0 | 0 | 0 | -564220.4805200001 | -0.10344990964757711 | -384478.01583000005 | -0.06686489273143852 | -350989.49713 | -0.062068107649796 | -349436.25961000007 | -0.06988296413271866
7560246.97747 | 1 | 7384864.62298 | 1.0000000000189577 | 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)
Mars 25 | Septembre 24
ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total
Disponibilités
Encaisse | 28006.29261 | 154242.90035 | 182249.19296000001 | 0.15367032443401168 | 51708.89733 | 233305.15935 | 285014.05668 | 0.18142577924869246
Avoirs à la BRH | 826690.78214 | 1263764.4163 | 2090455.19844 | 0.39545969832643013 | 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 | 9348.27934 | 27657.44463 | 37005.72397 | 0.2526171180322945 | 9644.90458 | 13154.72914 | 22799.633719999998 | 0.4230289266243529
864045.35409 | 1445664.76128 | 2309710.11537 | 0.3740925531477728 | 1082929.09611 | 1067890.09654 | 2150819.19265 | 0.5034961096733265
Bons B.R.H. | 0 | 1400000 | 1400000 | 0 | 0 | 0 | 0 | 0
Bons du Trésor / M.E.F. | 1921000 | 1921000 | 0 | 1534800 | 1534800 | 0
Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Portefeuille net | 626792.96703 | -460681.73073999997 | 166111.2362900001 | 3.773332743943542 | 634323.64644032 | -458973.84367 | 175349.80277031998 | 3.6174756767259204
Immobilisations | 0 | 352542.09784 | 352542.09784 | 0 | 0 | 351414.31007999997 | 351414.31007999997 | 0
Autres actifs | 1182367.71686 | 53133.45648 | 1235501.17334 | 0.9569944103441349 | 1190702.1714199998 | 50959.69762 | 1241661.8690399998 | 0.9589584742105354
2673206.03798 | 4711658.584860001 | 7384864.62284 | 0.3619844336363696 | 2907954.9139703196 | 2546090.2605700004 | 5454045.17454032 | 0.5331739692118352
PASSIF
Dépôts
À vue | 881772.98063 | 842011.4449 | 1723784.4255300001 | 0.511533210052578 | 1063863.90861 | 834774.3297600001 | 1898638.2383700002 | 0.5603299707707023
Épargne | 248258.16344 | 352268.01008999994 | 600526.1735299999 | 0.4134010712317404 | 247206.03989 | 316263.23944000003 | 563469.27933 | 0.43872141562702993
À terme | 1388276.2499 | 785366.7121 | 2173642.962 | 0.6386864237457964 | 1405675.0903600003 | 721442.00654 | 2127117.0969000002 | 0.6608357821055507
2518307.3939699996 | 1979646.1670900001 | 4497953.56106 | 0.5598784780197972 | 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 | 91961.38862 | 298938.85497 | 390900.24358999997 | 0.23525538837078525 | 43896.58337 | 318745.17301 | 362641.75638000004 | 0.12104668753038537
91961.38862 | 298938.85497 | 390900.24358999997 | 0.23525538837078525 | 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 | 11238.59856 | 1033721.3934500001 | 1044959.99201 | 0.010755051529180888 | 6429.21063 | 1032474.3808800001 | 1038903.59151 | 0.006188457410812709
11238.59856 | 1033721.3934500001 | 1044959.99201 | 0.010755051529180888 | 6429.21063 | 1032474.3808800001 | 1038903.59151 | 0.006188457410812709
Autres passifs | 4961.57106 | 24166.61477 | 29128.185830000002 | 0.17033573903150287 | 5433.06951 | 22062.622760000002 | 27495.692270000003 | 0.19759711654643128
2626468.9522099993 | 3336473.0302800005 | 5962941.982489999 | 0.44046528708857924 | 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 | -815520.19313 | 0 | 0 | 0 | -841140.3467100001 | -858605.92175 | 0
0 | 1421922.6404900001 | 1421922.6404900001 | 0 | 0 | -564220.4805200001 | -564220.4805200001 | 0
0
2626468.9522099993 | 4758395.670770001 | 7384864.62298 | 0.3556556668672073 | 2772503.9023700003 | 2681541.2718700003 | 5454045.174240001 | 0.5083390059665829
*Converties au taux de 130.5296 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 | -0.18790940865973324 | 3226.5227400000003 | 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 | 2.6580564263322883 | 14586.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 54776.26484 | 0.40909415867356175 | 77184.91482 | 0 | 0 | 0 | 0 | 54766.169709999995 | -0.06221400835665622 | 51358.94677 | -0.05424795610542855 | 48572.82888 | -0.1067487817687097 | 43387.73857
62736.871750000006 | 0.5142281549924427 | 94997.93756 | 0 | 0 | 0 | 0 | 58815.398989999994 | -0.05783469751821861 | 55413.828180000004 | 0.44226176885655477 | 79921.24585 | -0.3783676815643634 | 49681.62935
Dépenses d'intérêt | 18335.81246 | -0.4260775118115492 | 10523.33511 | 0 | 0 | 0 | 0 | 17332.3766 | 0.7991501696310935 | 31183.548299999995 | 0.003257954772260611 | 31285.14289 | 0.0068044845039862715 | 31498.02216
44401.059290000005 | 0.9025357457862577 | 84474.60245 | 0 | 0 | 0 | 0 | 41483.02239 | -0.41589887901125977 | 24230.27988000001 | 1.0072447863115639 | 48636.102960000004 | -0.6261294371188657 | 18183.607190000002
AUTRES REVENUS
Commissions | 4653.06999 | -0.053244780442255946 | 4405.3183 | 0 | 0 | 0 | 0 | 8795.73857 | -0.06216058101872388 | 8248.99035 | -0.32896161892103554 | 5535.3891300000005 | -0.2921004995361546 | 3918.4992
Gains sur change | -2592.10153 | 2.2470283291719673 | 3232.42404 | 0 | 0 | 0 | 0 | 238.34571999999986 | 1.868719815904394 | 683.7470899999998 | 1.7120533558687616 | 1854.3585899999998 | -0.17748160564780507 | 1525.24405
Autres | 529.38073 | 1.6393544396676472 | 1397.22338 | 0 | 0 | 0 | 0 | 3087.37885 | -0.9200541715183415 | 246.82306 | 193.0552587752538 | 47897.31278 | -0.9821195503402519 | 856.42549
2590.34919 | 2.4879335013516077 | 9034.96572 | 0 | 0 | 0 | 0 | 12121.46314 | -0.24270194167335465 | 9179.560500000001 | 5.022843958596928 | 55287.0605 | -0.8860462342721223 | 6300.16874
PRODUIT NET BANCAIRE | 46991.408480000006 | 0.9899290358534067 | 93509.56817000001 | 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 | 0 | 0
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 46991.408480000006 | 0.9899290358534067 | 93509.56817000001 | 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 | 0.28128495779348534 | 46207.36542 | 0 | 0 | 0 | 0 | 34882.44141 | 0.004848833773186465 | 35051.580570000006 | -0.14713969687330444 | 29894.101629999997 | 0.0398118861282537 | 31084.2422
Frais de locaux | 4818.40206 | -0.0020716639823121835 | 4808.4199499999995 | 0 | 0 | 0 | 0 | 4933.73153 | -0.0037040179200832778 | 4915.4569 | 0.001204836116048659 | 4921.379220000001 | -0.013219905862080801 | 4856.31905
Amortissement | 1822.19106 | 0.06828350370679573 | 1946.6166500000002 | 0 | 0 | 0 | 0 | 1832.6163499999998 | 0.003578212100967092 | 1839.17384 | 0.19205106788600274 | 2192.38914 | -0.3710593366650229 | 1378.8826800000002
Autres dépenses d'exploitation | 20313.4246 | -0.10278421246607526 | 18225.52525 | 0 | 0 | 0 | 0 | 36136.26694 | -0.4156543877357134 | 21116.06903 | -0.023202621629239688 | 20626.120870000002 | -0.11270248509893462 | 18301.505790000003
63017.31897 | 0.12965655209625304 | 71187.92727 | 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 | 2.3928469720287335 | 22321.640900000013 | 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 | 2.3928469720287335 | 22321.640900000013 | 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- mars 25) | 2024 (oct23.- mars 24) | 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 | 3226.5227400000003 | -0.2042867808555713 | 4054.8814100000004 | 0 | 0 | 31348.41697 | 0 | 0 | 6293.890780000001 | 7199.629650000001 | -0.11160768585207954 | 8104.11069 | 45746.41844
Intérêts sur Bons B.R.H. | 3987.5 | 0 | 0 | 14586.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 18574 | 0 | 0 | 0
Autres | 54776.26484 | 0.0001843314961310044 | 54766.169709999995 | 77184.91482 | 0.5028523689486089 | 51358.94677 | 0 | 0 | 48572.82888 | 0 | 0 | 43387.73857 | 131961.17966000002 | 0.24344909138327314 | 106125.11648 | 198085.68393
62736.871750000006 | 0.06667425244648523 | 58815.398989999994 | 94997.93756 | 0.7143363070210466 | 55413.828180000004 | 0 | 0 | 79921.24585 | 0 | 0 | 49681.62935 | 157734.80931000004 | 0.3808620894830487 | 114229.22717 | 243832.10237
Dépenses d'intérêt | 18335.81246 | 0.05789372589561673 | 17332.3766 | 10523.33511 | -0.6625356739790897 | 31183.548299999995 | 0 | 0 | 31285.14289 | 0 | 0 | 31498.02216 | 28859.14757 | -0.4051613438374334 | 48515.9249 | 111299.08995
44401.059290000005 | 0.07034291938919657 | 41483.02239 | 84474.60245 | 2.4863238422485763 | 24230.27988000001 | 0 | 0 | 48636.102960000004 | 0 | 0 | 18183.607190000002 | 128875.66174000004 | 0.9611807242692088 | 65713.30227 | 132533.01242
0
AUTRES REVENUS | 0
Commissions | 4653.06999 | -0.4709858696948515 | 8795.73857 | 4405.3183 | -0.46595666704834976 | 8248.99035 | 0 | 0 | 5535.3891300000005 | 0 | 0 | 3918.4992 | 9058.388289999999 | -0.4685519298948171 | 17044.72892 | 26498.617250000003
Gains sur change | -2592.10153 | -11.875385259697557 | 238.34571999999986 | 3232.42404 | 3.7275141456177905 | 683.7470899999998 | 0 | 0 | 1854.3585899999998 | 0 | 0 | 1525.24405 | 640.32251 | -0.30557694078538555 | 922.0928099999996 | 4301.695449999999
Autres | 529.38073 | -0.8285339261166476 | 3087.37885 | 1397.22338 | 4.66082998889974 | 246.82306 | 0 | 0 | 47897.31278 | 0 | 0 | 856.42549 | 1926.6041099999998 | -0.4221693340701135 | 3334.20191 | 52087.940180000005
2590.34919 | -0.7863006173362005 | 12121.46314 | 9034.96572 | -0.015751819490704512 | 9179.560500000001 | 0 | 0 | 55287.0605 | 0 | 0 | 6300.16874 | 11625.31491 | -0.4542367960115555 | 21301.02364 | 82888.25288000001
0
PRODUIT NET BANCAIRE | 46991.408480000006 | -0.12336797909008852 | 53604.48553 | 93509.56817000001 | 1.7988630626914712 | 33409.84038000001 | 0 | 0 | 103923.16346000001 | 0 | 0 | 24483.775930000003 | 140500.97665000003 | 0.6146878709986437 | 87014.32591 | 215421.26530000003
0
Dotation à la provision pour créances douteuses | 0 | 0 | 9000 | 0 | 0 | 9000 | 0 | 0 | -18000 | 0 | 0 | 0 | 0 | 0 | 18000 | 0
0
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0
ET IMPÔTS SUR LE REVENU | 46991.408480000006 | 0.05351306985470364 | 44604.48553 | 93509.56817000001 | 2.8308144057597473 | 24409.84038000001 | 0 | 0 | 121923.16346000001 | 0 | 0 | 24483.775930000003 | 140500.97665000003 | 1.0358233569248236 | 69014.32591 | 215421.26530000003
0
DÉPENSES D'EXPLOITATION | 0
Salaires et avantages sociaux | 36063.301250000004 | 0.033852557110910224 | 34882.44141 | 46207.36542 | 0.31826766920599364 | 35051.580570000006 | 0 | 0 | 29894.101629999997 | 0 | 0 | 31084.2422 | 82270.66667 | 0.17640404971314363 | 69934.02198 | 130912.36581000002
Frais de locaux | 4818.40206 | -0.02337570848732413 | 4933.73153 | 4808.4199499999995 | -0.021775585093625906 | 4915.4569 | 0 | 0 | 4921.379220000001 | 0 | 0 | 4856.31905 | 9626.82201 | -0.022577131261159178 | 9849.18843 | 19626.886700000003
Amortissement | 1822.19106 | -0.005688746583538708 | 1832.6163499999998 | 1946.6166500000002 | 0.05841906168043377 | 1839.17384 | 0 | 0 | 2192.38914 | 0 | 0 | 1378.8826800000002 | 3768.80771 | 0.026422402964152027 | 3671.7901899999997 | 7243.06201
Autres dépenses d'exploitation | 20313.4246 | -0.437865991146013 | 36136.26694 | 18225.52525 | -0.13688834677957104 | 21116.06903 | 0 | 0 | 20626.120870000002 | 0 | 0 | 18301.505790000003 | 38538.94985 | -0.32685803649663736 | 57252.33597 | 96179.96263
63017.31897 | -0.1898531411526369 | 77785.05622999999 | 71187.92727 | 0.13136280003421114 | 62922.280340000005 | 0 | 0 | 57633.990860000005 | 0 | 0 | 55620.949720000004 | 134205.24624 | -0.04621003061034615 | 140707.33656999998 | 253962.27715
0
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -16025.910489999995 | 0.5170091968912397 | -33180.57069999999 | 22321.640900000013 | 1.5795956039966266 | -38512.439959999996 | 0 | 0 | 64289.172600000005 | 0 | 0 | -31137.17379 | 6295.730410000018 | 1.0878151210563212 | -71693.01065999999 | -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 | 22321.640900000013 | 1.5795956039966266 | -38512.439959999996 | 0 | 0 | 64289.172600000005 | 0 | 0 | -31137.17379 | 6295.730410000018 | 1.0878151210563212 | -71693.01065999999 | -38541.01184999998
[BPHVARAN ]
BANQUE POPULAIRE HAÏTIENNE (BPH)
RÉSULTATS
ANALYSE DES VARIATIONS ANNUELLES
(En milliers de gourdes)
CUMUL (Octobre-Mars) | ANNÉE
2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 7199.629650000001 | -0.11160768585207954 | 8104.11069 | 45746.41844 | 0.29882444655198453 | 35221.402369999996 | 0.47026208662006247 | 23955.86657 | -0.29265543339444366 | 33867.32252
Intérêts sur bons B.R.H. | 18574 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0.9125814590264003 | 7965.36002
Autres | 131961.17966000002 | 0.24344909138327314 | 106125.11648 | 198085.68393 | -0.04037550834717173 | 206419.99621 | 0.1202965289371695 | 184254.78512 | 0.17425917224030474 | 156911.51449
157734.80931000004 | 0.3808620894830487 | 114229.22717 | 243832.10237 | 0.009065929111789698 | 241641.39858 | 0.16056213559993227 | 208210.65168999997 | 0.047631351261898824 | 198744.19703
Dépenses d'intérêt | 28859.14757 | -0.4051613438374334 | 48515.9249 | 111299.08995 | 1.6294218477018365 | 42328.35064 | 0.037626173784569644 | 40793.44923 | -0.27726555495529603 | 56443.20608999999
128875.66174000004 | 0.9611807242692088 | 65713.30227 | 132533.01242 | -0.3350509974645667 | 199313.04794000002 | 0.19051713331323128 | 167417.20245999997 | 0.1765006087033504 | 142300.99094000002
AUTRES REVENUS
Commissions | 9058.388289999999 | -0.4685519298948171 | 17044.72892 | 26498.617250000003 | 1.2435939740217161 | 11810.78999 | -0.09558722922079006 | 13059.07034 | -0.043875617499436796 | 13658.338370000001
Gains sur change | 640.32251 | -0.30557694078538555 | 922.0928099999996 | 4301.695449999999 | 1.2113840455908356 | -20350.1425 | -7.276953291599074 | 3242.0414100000003 | -0.5649982420893781 | 7452.93864
Autres | 1926.6041099999998 | -0.4221693340701135 | 3334.20191 | 52087.940180000005 | 5.007818325016875 | 8670.02585 | -0.7121152397200784 | 30116.3071 | 3.6947170479037292 | 6414.935509999999
11625.31491 | -0.4542367960115555 | 21301.02364 | 82888.25288000001 | 633.3164786329145 | 130.67333999999755 | -0.997184821059907 | 46417.41885 | -0.1581781041691126 | 27526.21252
PRODUIT NET BANCAIRE | 140500.97665000003 | 0.6146878709986437 | 87014.32591 | 215421.26530000003 | 0.08011053904058002 | 199443.72128000003 | -0.0672992050671588 | 213834.62130999996 | 0.25913055713930516 | 169827.20346000002
Dotation à la provision pour créances douteuses | 0 | 0 | 18000 | 0 | 0 | 36000 | -6.994677377318269e-05 | 36002.51826 | -0.24994753625000007 | 48000
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 140500.97665000003 | 1.0358233569248236 | 69014.32591 | 215421.26530000003 | 0.318014932681053 | 163443.72128000003 | -0.08090992302978307 | 177832.10304999998 | 0.4597076679051264 | 121827.20346000002
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 82270.66667 | 0.17640404971314363 | 69934.02198 | 130912.36581000002 | -0.018177652655170084 | 133336.10317999998 | 0.21620937735245788 | 109632.52352999999 | -0.017226494045653087 | 111554.21149
Frais de locaux | 9626.82201 | -0.022577131261159178 | 9849.18843 | 19626.886700000003 | -0.0013231087395293019 | 19652.88961 | 0.07056308711482559 | 18357.52591 | -0.2835279048349647 | 25622.10871
Amortissement | 3768.80771 | 0.026422402964152027 | 3671.7901899999997 | 7243.06201 | 0.022414715635398066 | 7084.2701099999995 | -0.3035155534787137 | 10171.469219999999 | -0.354369280413127 | 15754.31421
Autres dépenses d'exploitation | 38538.94985 | -0.32685803649663736 | 57252.33597 | 96179.96263 | 0.2270974027548654 | 78380.05558 | -0.05845679304574324 | 83246.37148999999 | 0.7440687285414989 | 47731.13016
134205.24624 | -0.04621003061034615 | 140707.33656999998 | 253962.27715 | 0.06503981059630666 | 238453.31848000002 | 0.076986544239467 | 221407.89015 | 0.10338853355773597 | 200661.76457000003
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 6295.730410000018 | 1.0878151210563212 | -71693.01065999999 | -38541.01184999998 | 0.48618559106193965 | -75009.59719999999 | -0.7213595483166835 | -43575.787100000016 | 0.44725020997836806 | -78834.56111000001
Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BÉNÉFICE NET | 6295.730410000018 | 1.0878151210563212 | -71693.01065999999 | -38541.01184999998 | 0.48618559106193965 | -75009.59719999999 | -0.7213595483166835 | -43575.787100000016 | 0.44725020997836806 | -78834.56111000001
[buhinfin]
BANQUE DE L'UNION HAÏTIENNE (BUH)
INDICATEURS FINANCIERS
Var.mars 25 | 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 | 0.00275509357115612 | 47135987.83401071 | 0 | 0 | 0 | 0 | 0.017178380971023643 | 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 | -0.07897896096241815 | 13159416.355192548 | 0 | 0 | 0 | 0 | 0.061399489170771676 | 12398174.758378172 | 0.04126368529411099 | 11906854.07882657 | -0.22273266022544605 | 15318865.81299061 | 0.1894056984488929 | 12879428.636476168
Dépôts | 37716220.14935127 | 0.02699688419908282 | 38734440.57715042 | 0 | 0 | 0 | 0 | 0.015810493783909942 | 38131561.75702027 | 0.00270492663227602 | 38028696.9219254 | 0.006630220958906787 | 37778218.982636556 | 0.19833310653819397 | 31525640.722530156
Avoir des Actionnaires | 3351421.270412923 | 0.014415758639733628 | 3399734.550547265 | 0 | 0 | 0 | 0 | 0.025614108102487643 | 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 - mars. 25) | (oct. 23- mars. 24)
Résultats
Revenus nets d'intérêt | 291859.6677417329 | -0.06978500151033704 | 313755.06545864 | 317832.4261229071 | 0.058230122479170185 | 300343.393531744 | 0 | 0 | 303026.59109615895 | 0 | 0 | 304313.17597128206 | 609692.09386464 | -0.007175339819266889 | 614098.4589903841
Autres revenus | 279856.8924487768 | -0.09800121219210538 | 310263.0471698372 | 310689.86646215565 | 0.15344566325907114 | 269358.04291317775 | 0 | 0 | 300148.9023407698 | 0 | 0 | 295751.9123920286 | 590546.7589109325 | 0.01884967440772857 | 579621.0900830149
Dot. à la prov. pr créances douteuses | -12915.2223965123 | -3.7563559405265186 | 4685.614875285388 | 16047.158492235349 | -0.614287980485574 | 41603.98867641502 | 0 | 0 | -10729.95542658987 | 0 | 0 | -15357.780477100732 | 3131.936095723049 | -0.9323403992383511 | 46289.603551700406
Dépenses d'exploitation | 532355.943597132 | -0.06655455786625689 | 570312.8641136549 | 540235.2547891401 | -0.050918201483120706 | 569218.8551433189 | 0 | 0 | 570299.4179374641 | 0 | 0 | 519321.179618322 | 1072591.198386272 | -0.058743885527249844 | 1139531.7192569738
Bénéfice (perte) net | 36593.087292922966 | 0.1463399046037613 | 31921.67274816414 | 50998.67241258118 | 2.974162612500617 | -25833.06567030087 | 0 | 0 | 55978.44550706694 | 0 | 0 | 66001.93906654257 | 87591.75970550414 | 13.386173813706154 | 6088.607077863382
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 - mars. 25) | (oct. 23- mars. 24) | 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 | 0.07212609105635853 | 0.06853687384575673 | 0 | 0.06838397663983795 | 0 | 0.07153285036436353 | 0.07212609105635853 | 0.06853687384575673 | 0.07153285036436353 | 0.05793862135650572 | 0.07492218026626138 | 0.08399211660595632
Dépôts en % de l'actif | 0.8023621356615369 | 0.8103979351069833 | 0.8217593893131863 | 0.8011794807682179 | 0 | 0.7863676803135142 | 0 | 0.8228659678988678 | 0.8217593893131863 | 0.8011794807682179 | 0.8228659678988678 | 0.8360112129190895 | 0.8319063502496844 | 0.8181649316827374
Qualité de l'actif
Prêts improductifs bruts
en % des prêts bruts | 0.0071179587621141354 | 0.011201807020278919 | 0.009925836432079982 | 0.028703885368071384 | 0 | 0.015999920355612943 | 0 | 0.002727897304453172 | 0.009925836432079982 | 0.028703885368071384 | 0.002727897304453172 | 0.019764130395404627 | 0.11408158078922474 | 0.0562751812861468
Provisions pour créances douteuses
en % des prêts improductifs bruts | 2.7771913725877284 | 2.401190245420913 | 2.5074237294985484 | 0.9370697193806308 | 0 | 1.5480180584519778 | 0 | 7.098174752274438 | 2.5074237294985484 | 0.9370697193806308 | 7.098174752274438 | 0.9896655644517804 | 0.3971745454698088 | 0.8647964786194402
Prêts improductifs nets
en % de l'avoir des actionnaires | -0.055017241765893725 | -0.05964633328832567 | -0.059393607342706434 | 0.007367269562828305 | 0 | -0.033759897586876246 | 0 | -0.06344777233175647 | -0.059393607342706434 | 0.007367269562828305 | -0.06344777233175647 | 0.0009411805187272899 | 0.32433516656661493 | 0.03182783967513231
Rentabilité
ROA (rendement de l'actif) | 0.003136110503480442 | 0.0027591752803112833 | 0.004333744230071405 | -0.0021982579094638626 | 0 | 0.004741150006846553 | 0 | 0.005626252248950883 | 0.0037482059501980107 | 0.00026347584837124814 | 0.0027893171259060143 | 0.008390643149983825 | 0.005808606807929885 | 0.010956370573103082
ROE (rendement avoir des action.) | 0.04391445300446727 | 0.042658444958025454 | 0.06043252298132008 | -0.03146281460655722 | 0 | 0.06925433890648355 | 0 | 0.08044535531088381 | 0.05218017207063489 | 0.004160931114595199 | 0.04304582967163536 | 0.1263208926100493 | 0.07344718595589103 | 0.11978733622570949
Revenus nets d'intérêt
en % des revenus d'intérêt | 0.7265901549010779 | 0.7227154254584183 | 0.7546650160667205 | 0.7129411855588402 | 0 | 0.7109422383041422 | 0 | 0.7108487980664728 | 0.7409597879669882 | 0.7179017767365256 | 0.7144008024901575 | 0.800697918210508 | 0.7407085462128182 | 0.7567250680954185
Rendement moyen des prêts | 0.10319740676738752 | 0.11832803392134418 | 0.10264863714506628 | 0.11064082649750971 | 0 | 0.11156709665067921 | 0 | 0.1152276696445431 | 0.10885200477537642 | 0.11486421129500138 | 0.11661704772677597 | 0.13046658261541064 | 0.11366742252460704 | 0.12312780632975993
Rendement moyen des prêts productifs | 0.10372420256139463 | 0.12017652993045243 | 0.10352527342837466 | 0.11290854231814104 | 0 | 0.11413562149232556 | 0 | 0.11631269269527769 | 0.10955802087236827 | 0.1177378564528833 | 0.11792300687520087 | 0.14080894038739883 | 0.12458455227695817 | 0.12751218829470384
Rémunération moyenne des dépôts | 0.011583660640261841 | 0.012643001618488695 | 0.010812153692655526 | 0.012770668707566424 | 0 | 0.01314683999740382 | 0 | 0.013117908436394491 | 0.011091973094859124 | 0.012760648680273119 | 0.012643001701479748 | 0.0127809960700656 | 0.014257861429705245 | 0.01675649045222914
Dépenses d'exploitation
en % du produit net bancaire | 0.9311536181840493 | 0.9139363947488544 | 0.8595323684816253 | 0.9991529224419473 | 0 | 0.9454950079086686 | 0 | 0.8654414157550487 | 0.8936481233763488 | 0.9546058956155259 | 0.929991403736984 | 1.0728510952816075 | 0.7934167257992941 | 0.7158666312225299
(revenus nets d'int.+autres revenus)
Productivité par employé ('000 gdes) | 4907.43828489708 | 5396.913406516559 | 5424.140604833336 | 4916.517250873111 | 0 | 5177.472046668917 | 0 | 5145.252633340285 | 5140.209219595599 | 5156.455935522242 | 5171.435018066102 | 6478.839915157717 | 5258.012596367964 | 4810.9360983483275
[buhvar]
BANQUE DE L'UNION HAÏTIENNE (BUH)
BILAN
ANALYSE DES VARIATIONS
(En milliers de gourdes)
Var.mars 25 | 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 | 0.384579332549901 | 1373339.023515664 | 0 | 0 | 0 | 0 | -0.26072346619575293 | 1857679.718911936 | -0.65641211950126 | 5406709.096419216 | 2.177408285459028 | 1701609.806068133 | 0.5476469605845711 | 1099481.89051165
Avoirs à la BRH | 18749154.41189008 | -0.03424334956162035 | 18107120.56337893 | 0 | 0 | 0 | 0 | 0.013741309251115776 | 17861677.726002168 | 0.42770706530537667 | 12510744.087535687 | -0.26996931705283905 | 17137285.29468015 | -0.15398196586635493 | 20256406.605125606
Avoirs à l'étranger | 172912.77740836 | 8.936479735178684 | 1718144.3086716319 | 0 | 0 | 0 | 0 | 0.25809531796471935 | 1365671.014062079 | -0.240708798990839 | 1798612.9856990161 | 0.08994115971070649 | 1650192.737171616 | 0.8350697095545467 | 899253.4335778401
Avoirs dans les banques locales | 380019.808563242 | 0.0011155649413769825 | 380443.745338704 | 0 | 0 | 0 | 0 | -0.005245369027498441 | 382449.835862308 | -0.002815048660884846 | 383529.49003965396 | -0.17545186306931493 | 465138.992936558 | 4.6937956031491765 | 81692.253350172
Autres liquidités | 187517.227969873 | -0.9262492264542335 | 13829.540615935999 | 0 | 0 | 0 | 0 | 0.9946435030565843 | 6933.339513925001 | -0.9925953369676218 | 936347.7424438801 | 8.008967365429863 | 103935.079844659 | 13.880181449248346 | 6984.7992243339995
20481486.0134836 | 0.05426320957891445 | 21592877.181520864 | 0 | 0 | 0 | 0 | 0.005516591056629479 | 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 | 0.20268063672228698 | 6055319.324554839 | 0 | 0 | 0 | 0 | 0.012221335323793653 | 5982208.745499163 | -0.12458262871870114 | 6833550.420347888 | -0.009723376871802171 | 6900648.021722754 | 3.826728540216274 | 1429673.942552724
Portefeuille net | 14287856.408734636 | -0.07897896096241815 | 13159416.355192548 | 0 | 0 | 0 | 0 | 0.061399489170771676 | 12398174.758378172 | 0.04126368529411099 | 11906854.07882657 | -0.22273266022544605 | 15318865.81299061 | 0.1894056984488929 | 12879428.636476168
Immobilisations | 5076929.43916 | -0.014109525682139587 | 5005296.372851761 | 0 | 0 | 0 | 0 | -0.01698982127579621 | 5091805.233744239 | 0.2228491427890016 | 4163886.6607300006 | 2.607793388689217 | 1154136.67362 | 0.11043586633713243 | 1039354.6431699999
Autres actifs | 2125356.4579384006 | -0.37747920121874884 | 1323078.5998907038 | 0 | 0 | 0 | 0 | -0.050428150045960136 | 1393342.2731041806 | -0.09992393031484723 | 1548027.2390661077 | 0.579922227969989 | 979812.3044671239 | 0.1666408212105296 | 839857.723691214
47006480.58155779 | 0.00275509357115612 | 47135987.83401071 | 0 | 0 | 0 | 0 | 0.017178380971023643 | 46339942.645078175 | 0.018723090534741242 | 45488261.80110802 | 0.0016876092426340399 | 45411624.72350161 | 0.17853905544743237 | 38532133.92767971
PASSIF
Dépôts
À vue | 16534980.098803192 | 0.025951233866128156 | 16964083.23431901 | 0 | 0 | 0 | 0 | -0.010589580621298554 | 17145648.461001225 | -0.0022144728566241174 | 17183701.301108867 | 0.03880315702567971 | 16541826.220772717 | 0.27044844707170224 | 13020462.387828887
Épargne | 8768558.088742578 | 0.039426935242155764 | 9114275.460674513 | 0 | 0 | 0 | 0 | 0.07864692347226467 | 8449730.178003766 | -0.006205996408954427 | 8502496.641628861 | 0.048860883884537326 | 8106410.270673083 | 0.20925402459958112 | 6703645.475447021
À terme | 12412681.961805498 | 0.019608970978258686 | 12656081.882156897 | 0 | 0 | 0 | 0 | 0.009564216078601433 | 12536183.118015284 | 0.0156924573503474 | 12342498.979187675 | -0.0599759757891088 | 13129982.491190754 | 0.11256585460377676 | 11801532.859254247
37716220.14935127 | 0.02699688419908282 | 38734440.57715042 | 0 | 0 | 0 | 0 | 0.015810493783909942 | 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 | 400000 | 0 | 0 | 0 | 700000 | 0 | 0
Banques à l'étranger | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 3426149.5887261285 | -0.0669684717378857 | 3196705.586823754 | 0 | 0 | 0 | 0 | 0.23958181863085368 | 2578858.0784079167 | -0.033195789716617324 | 2667404.6833660565 | 1.0544391939867879 | 1298361.4658313468 | 0.00041964770356142135 | 1297816.839974808
3426149.5887261285 | -0.0669684717378857 | 3196705.586823754 | 0 | 0 | 0 | 0 | 0.07313121427129832 | 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
Autres | 648875.8221621392 | -0.15161965889206971 | 550493.4913426044 | 0 | 0 | 0 | 0 | -0.196483991759514 | 685105.8170552914 | 0.006580898306650319 | 680626.682075758 | 0.17904079002557635 | 577271.5310901105 | 0.41270921596130095 | 408627.28477162
648875.8221621392 | -0.15161965889206971 | 550493.4913426044 | 0 | 0 | 0 | 0 | -0.196483991759514 | 685105.8170552914 | 0.006580898306650319 | 680626.682075758 | -0.6583627953155424 | 1992249.8859701105 | -0.11557383695431052 | 2252590.40179162
Autres passifs | 1863813.7886053254 | -0.326856772942172 | 1254613.6282966651 | 0 | 0 | 0 | 0 | 0.020352184753731753 | 1229588.8096711175 | -0.16694881154195013 | 1476006.308744419 | 5.138351836319308 | 240456.452823575 | 0.0945237822282083 | 219690.4779300993
43655059.348844856 | 0.0018598974776273165 | 43736253.28361344 | 0 | 0 | 0 | 0 | 0.01652845856074067 | 43025114.4621546 | 0.004022610637749255 | 42852734.59611163 | 0.02007765123748322 | 42009286.78726158 | 0.1902084682552788 | 35295738.442226686
AVOIR DES ACTIONNAIRES
Capital versé | 728155.76157 | 0 | 728155.76157 | 0 | 0 | 0 | 0 | 0 | 728155.76157 | 0 | 728155.76157 | -3.433213471075307e-05 | 728180.76157 | -0.009866245990355437 | 735436.76157
Réserves | 930894.1470000001 | -0.030465424120880283 | 902534.062 | 0 | 0 | 0 | 0 | -0.030465424120880283 | 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 | 1198554.27904 | 0 | 0 | 0 | 0 | 0 | 1198554.27904 | 2.328138739979809e-07 | 1198554 | -9.569286293484027e-05 | 1198668.70404 | -0.058839844691228174 | 1273607.57601
BNR | 493817.08280292316 | 0.15526673297558105 | 570490.447937265 | 0 | 0 | 0 | 0 | 0.24772639567281624 | 457223.99551356555 | 0.4156750674392881 | 322972.41509 | -0.703819342823062 | 1090457.486888 | 0.16908272120811682 | 932746.2181299999
3351421.270412923 | 0.014415758639733628 | 3399734.550547265 | 0 | 0 | 0 | 0 | 0.025614108102487643 | 3314828.1831235653 | 0.257747676624015 | 2635527.1766600003 | -0.22537759975536745 | 3402337.9337179996 | 0.05127384725056708 | 3236395.48593
47006480.61925778 | 0.0027550927701205734 | 47135987.83416071 | 0 | 0 | 0 | 0 | 0.01717838096987067 | 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 | 0
Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 4044159.016698276 | 0.1618558635784297 | 4698729.866794469 | 0 | 0 | -0.035687821285545665 | 4872623.17173931 | 3361981.889064204 | 2620854.426157199 | 3234982.958983928
Portefeuille brut | 14575993.684994932 | -0.0741426488014384 | 13495290.90427637 | 0 | 0 | 0 | 0 | 0.06741359965481655 | 12642981.978719886 | 0.041054731637814396 | 12144397.018233247 | -0.24314692173690344 | 16045910.847193018 | 0.1852242592771332 | 13538290.93658562
Provisions pour créances douteuses | 288137.27626029646 | 0.1656754497130721 | 335874.5490838208 | 0 | 0 | 0 | 0 | 0.3719960898824414 | 244807.22034171392 | 0.030580917088851398 | 237542.9394066763 | -0.6732761682812831 | 727045.034202408 | 0.10348556000491962 | 658862.300109452
Portefeuille de crédit improductif | 103751.32196662998 | 0.29108764669299925 | 133952.050119184 | 0 | 0 | 0 | 0 | 2.883933892326368 | 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 | 1373339.023515664 | 0.029135679268075906 | 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 | 18107120.56337893 | 0.38414641116980763 | 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 | 1718144.3086716319 | 0.03645079667624817 | 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 | 380443.745338704 | 0.008071194915410192 | 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 | 13829.540615935999 | 0.0002933966434444251 | 0 | 0 | 0 | 0 | 6933.339513925001 | 0.00014961907844876022 | 936347.7424438801 | 0.020584381670549396 | 103935.079844659 | 0.002288732906551791 | 6984.7992243339995 | 0.00018127205821104138
20481486.0134836 | 0.43571621955290923 | 21592877.181520864 | 0.4580974786729863 | 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 | 6055319.324554839 | 0.12846488644469772 | 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 | 13159416.355192548 | 0.2791798148271212 | 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 | 5005296.372851761 | 0.10618842635647952 | 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 | 1323078.5998907038 | 0.02806939369871535 | 0 | 0 | 0 | 0 | 1393342.2731041806 | 0.03006784630218288 | 1548027.2390661077 | 0.03403135617348211 | 979812.3044671239 | 0.02157624419810832 | 839857.723691214 | 0.02179629410786146
47006480.58155779 | 1 | 47135987.83401071 | 1 | 0 | 0 | 0 | 0 | 46339942.645078175 | 1 | 45488261.80110802 | 1 | 45411624.72350161 | 1 | 38532133.92767971 | 1
PASSIF
Dépôts
À vue | 16534980.098803192 | 0.3517595849388141 | 16964083.23431901 | 0.3598966312970462 | 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 | 9114275.460674513 | 0.1933612910112421 | 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 | 12656081.882156897 | 0.2685014670048979 | 0 | 0 | 0 | 0 | 12536183.118015284 | 0.27052651346660156 | 12342498.979187675 | 0.2713337131489828 | 13129982.491190754 | 0.2891326300509057 | 11801532.859254247 | 0.3062776871222429
37716220.14935127 | 0.8023621356615369 | 38734440.57715042 | 0.8217593893131863 | 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 | 3196705.586823754 | 0.06781878843996961 | 0 | 0 | 0 | 0 | 2578858.0784079167 | 0.05565086901724555 | 2667404.6833660565 | 0.05863940668977338 | 1298361.4658313468 | 0.028590949426203056 | 1297816.839974808 | 0.03368141620214073
3426149.5887261285 | 0.07288674979148134 | 3196705.586823754 | 0.06781878843996961 | 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 | 550493.4913426044 | 0.011678836418601561 | 0 | 0 | 0 | 0 | 685105.8170552914 | 0.0147843475401465 | 680626.682075758 | 0.014962688287622788 | 577271.5310901105 | 0.012711977045634279 | 408627.28477162 | 0.010604844401780743
648875.8221621392 | 0.013803965200847538 | 550493.4913426044 | 0.011678836418601561 | 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 | 1254613.6282966651 | 0.026616894775066232 | 0 | 0 | 0 | 0 | 1229588.8096711175 | 0.02653410296790071 | 1476006.308744419 | 0.03244807012407025 | 240456.452823575 | 0.005295041837583341 | 219690.4779300993 | 0.005701487447916394
43655059.348844856 | 0.9287029960284283 | 43736253.28361344 | 0.9278739089468236 | 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 | 728155.76157 | 0.01544797924113098 | 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 | 902534.062 | 0.01914745194644635 | 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 | 1198554.27904 | 0.02542758376594772 | 0 | 0 | 0 | 0 | 1198554.27904 | 0.025864388487051783 | 1198554 | 0.026348643639990774 | 1198668.70404 | 0.026395635728480336 | 1273607.57601 | 0.03305312854980759
BNR | 493817.08280292316 | 0.010505297922615888 | 570490.447937265 | 0.012103076102833487 | 0 | 0 | 0 | 0 | 457223.99551356555 | 0.009866736327567032 | 322972.41509 | 0.007100126544781119 | 1090457.486888 | 0.02401273888629803 | 932746.2181299999 | 0.02420697021038739
3351421.270412923 | 0.07129700477358855 | 3399734.550547265 | 0.07212609105635853 | 0 | 0 | 0 | 0 | 3314828.1831235653 | 0.07153285036436353 | 2635527.1766600003 | 0.05793862135650572 | 3402337.9337179996 | 0.07492218026626138 | 3236395.48593 | 0.08399211660595632
47006480.61925778 | 1.000000000802017 | 47135987.83416071 | 1.0000000000031821 | 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)
Mars 25 | Septembre 24
ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total
Disponibilités
Encaisse | 115919.923105664 | 1257419.10041 | 1373339.023515664 | 0.08440736127115654 | 340947.229631936 | 1516732.48928 | 1857679.718911936 | 0.18353391392550306
Avoirs à la BRH | 13208309.467978928 | 4898811.0954 | 18107120.56337893 | 0.7294538864833269 | 13168369.047412168 | 4693308.678590001 | 17861677.726002168 | 0.7372414422326237
Avoirs à l'étranger | 1718144.3086716319 | 0 | 1718144.3086716319 | 1 | 1365671.014062079 | 0 | 1365671.014062079 | 1
Avoirs dans les banques locales | 288130.548248704 | 92313.19709 | 380443.745338704 | 0.7573538841916962 | 290226.563772308 | 92223.27209 | 382449.835862308 | 0.7588617814881145
Autres liquidités | 2333.6617059359996 | 11495.87891 | 13829.540615935999 | 0 | -1223.6865160749999 | 8157.02603 | 6933.339513925001 | -0.17649309017931886
15332837.909710864 | 6260039.27181 | 21592877.181520864 | 0.7100877655541278 | 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 | 4701446.536413849 | 1353872.7881409898 | 6055319.324554839 | 0.7764159550346222 | 5156097.412821898 | 826111.3326772647 | 5982208.745499163 | 0.861905298223034
Portefeuille net | 9390191.49218592 | 3769224.863006628 | 13159416.35519255 | 0.7135720337992545 | 8457679.042192657 | 3940495.716185517 | 12398174.758378174 | 0.6821713040040274
Immobilisations | 0 | 5005296.372851761 | 5005296.372851761 | 0 | 0 | 5091805.233744239 | 5091805.233744239 | 0
Autres actifs | 236463.2926917579 | 1086615.3071989457 | 1323078.5998907036 | 0.17872202959921776 | 212635.5577129 | 1180706.7153912806 | 1393342.2731041806 | 0.1526082727965874
29660939.23100239 | 17475048.603008326 | 47135987.83401072 | 0.6292631298075968 | 28990402.18108987 | 17349540.463988304 | 46339942.645078175 | 0.6256028930188798
PASSIF
Dépôts
À vue | 11454036.161099005 | 5510047.073220002 | 16964083.23431901 | 0.6751933483754099 | 11324248.842101231 | 5821399.6188999945 | 17145648.461001225 | 0.6604736395860964
Épargne | 5712459.752694512 | 3401815.7079800004 | 9114275.460674513 | 0.6267596121427467 | 5457751.646053767 | 2991978.5319499993 | 8449730.178003766 | 0.6459083936504054
À terme | 10363283.673596896 | 2292798.20856 | 12656081.882156897 | 0.8188382289314603 | 10286766.264195284 | 2249416.85382 | 12536183.118015284 | 0.8205660500772802
27529779.587390415 | 11204660.989760004 | 38734440.57715042 | 0.7107313072601938 | 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 | 1471264.499763776 | 1725441.087059978 | 3196705.586823754 | 0.4602439792479057 | 1226184.2420537157 | 1352673.8363542005 | 2578858.0784079162 | 0.475475658129552
1471264.499763776 | 1725441.087059978 | 3196705.586823754 | 0.4602439792479057 | 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 | 456525.690315077 | 93967.80102752728 | 550493.4913426043 | 0.8293026121011019 | 559888.1495529701 | 125217.66750232136 | 685624.6318052914 | 0.8166103193794985
456525.690315077 | 93967.80102752728 | 550493.4913426043 | 0.8293026121011019 | 559888.1495529701 | 125217.66750232136 | 685105.8170552915 | 0.8172287194399698
Autres passifs | 75794.05706669283 | 1178819.5712299724 | 1254613.6282966651 | 0.06041226984724783 | 109334.54687345459 | 1120254.262797663 | 1229588.8096711175 | 0.08891960142569831
29533363.83453596 | 14202889.449077481 | 43736253.28361344 | 0.6752604902624605 | 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 | 902534.062 | 902534.062 | 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 | 570490.447937265 | 570490.447937265 | 0 | 0 | 457223.99551356555 | 457223.99551356555 | 0
0 | 3399734.550547265 | 3399734.550547265 | 0 | 3314828.1831235653 | 3314828.1831235653
29533363.83453596 | 17602623.999624748 | 47135987.83416071 | 0.6265565906551839 | 28964173.69083043 | 17375768.954447743 | 46339942.64527817 | 0.625036891231063
*Converties au taux de 130.5296 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 | 0.02582886079738398 | 360184.8882500001 | 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 | -0.3333333333333333 | 1053 | 0 | 0 | 0 | 0 | 0 | 0 | 351 | 4.166666666666667 | 1813.5 | -0.8387096774193549 | 292.5
Autres | 48988.575561733 | 0.22312343022507186 | 59919.07458290699 | 0 | 0 | 0 | 0 | 66156.98609864 | -0.04294503051665465 | 63315.87231174401 | 0.05754253777751716 | 66959.22828615899 | -0.021292915794486243 | 65533.47107659803
401684.03848173295 | 0.048478212937653746 | 421156.9628329071 | 0 | 0 | 0 | 0 | 434133.62217864 | -0.02962196450567543 | 421273.731431744 | 0.011770572135040376 | 426232.364276159 | 0.0043777890219386184 | 428098.3196412821
Dépenses d'intérêt | 109824.37074000001 | -0.05918389503353336 | 103324.53671 | 0 | 0 | 0 | 0 | 120378.55672 | 0.004583716527549267 | 120930.33789999998 | 0.01881608304015195 | 123205.77318000002 | 0.004702462190254095 | 123785.14366999999
291859.6677417329 | 0.08899057064697789 | 317832.4261229071 | 0 | 0 | 0 | 0 | 313755.06545864 | -0.04274567458310544 | 300343.393531744 | 0.008933765889980669 | 303026.59109615895 | 0.004245782096115914 | 304313.17597128206
AUTRES REVENUS
Commissions | 174582.2300233334 | 0.05868499142061488 | 184827.58669444453 | 0 | 0 | 0 | 0 | 172609.9259100001 | -0.14240267499342119 | 148029.81072999985 | 0.15840814621449736 | 171478.93863222204 | 0.02237043083047623 | 175314.99636777764
Gains sur change | 62394.19291 | 0.16889348960064618 | 72932.1658813858 | 0 | 0 | 0 | 0 | 75002.25032058252 | -0.12799497306206134 | 65402.33931120558 | 0.08033058407906456 | 70656.14742821189 | -0.0710237086189783 | 65637.885801131
Autres | 42880.469515443445 | 0.23436414023550967 | 52930.11388632533 | 0 | 0 | 0 | 0 | 62650.87093925457 | -0.10734053599674101 | 55925.89287197234 | 0.0373337518838239 | 58013.81628033587 | -0.05541414551460138 | 54799.03022311999
279856.8924487768 | 0.11017407412619759 | 310689.86646215565 | 0 | 0 | 0 | 0 | 310263.0471698372 | -0.13183975542620188 | 269358.04291317775 | 0.11431201049198632 | 300148.9023407698 | -0.014649362081455017 | 295751.9123920286
PRODUIT NET BANCAIRE | 571716.5601905098 | 0.09935995622660287 | 628522.2925850628 | 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 | 2.2424995868881683 | 16047.158492235349 | 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 | 0.047625449616504424 | 612475.1340928274 | 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 | 0.006063160364100955 | 226472.90187 | 0 | 0 | 0 | 0 | 236242.04523000002 | -0.058970238072722767 | 222310.79557999998 | -0.0006094382400391201 | 222175.31088 | -0.2060420415692589 | 176397.85624000002
Frais de locaux | 89248.43530000001 | 0.010175300742779461 | 90156.56497 | 0 | 0 | 0 | 0 | 108590.53133999999 | -0.0011972158934645803 | 108460.52502999998 | 0.04049246275347878 | 112852.3588 | 0.0441413834742105 | 117833.81804576
Amortissement | 24080.07539 | -0.018316154864829147 | 23639.021 | 0 | 0 | 0 | 0 | 21942.661749999996 | 0.20556724755600844 | 26453.354330000002 | -0.014654429270633854 | 26065.69552 | -0.07251866341144157 | 24175.44612
Autres dépenses d'exploitation | 193919.39715713199 | 0.03118496592224789 | 199966.76694914 | 0 | 0 | 0 | 0 | 203537.62579365497 | 0.04154786800076578 | 211994.180203319 | -0.013151905694679677 | 209206.05273746402 | -0.03963553356320808 | 200914.059212562
532355.943597132 | 0.014800832575978275 | 540235.2547891401 | 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 | 0.38189803740229344 | 72239.87930368737 | 0 | 0 | 0 | 0 | 49019.6336395368 | -1.8388762689904254 | -41121.407374812174 | 2.060421656501093 | 43606.03092605458 | 1.2038623369564396 | 96101.68922208942
Impôts sur le revenu | 15682.751696967101 | 0.35443111652491693 | 21241.206891106187 | 0 | 0 | 0 | 0 | 17097.96089137266 | -1.8941616957508387 | -15288.3417045113 | 0.19072880367649678 | -12372.414581012366 | 3.432811312493535 | 30099.750155546848
BÉNÉFICE NET (PERTE NETTE) | 36593.087292922966 | 0.393669574921169 | 50998.67241258118 | 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- mars 25) | 2024 (oct23.- mars 24) | 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 | 360184.8882500001 | 0.00720911544130926 | 357606.85912 | 0 | 0 | 357459.63599 | 0 | 0 | 362272.34856468404 | 711300.85117 | -0.019684356279442514 | 725583.4952 | 1445315.479754684
Intérêts sur Bons B.R.H. | 1579.5 | 0 | 0 | 1053 | 2 | 351 | 0 | 0 | 1813.5 | 0 | 0 | 292.5 | 2632.5 | 6.5 | 351 | 2457
Autres | 48988.575561733 | -0.2595101673965153 | 66156.98609864 | 59919.07458290699 | -0.05364843924304536 | 63315.87231174401 | 0 | 0 | 66959.22828615899 | 0 | 0 | 65533.47107659803 | 108907.65014463999 | -0.15883798749973874 | 129472.85841038401 | 261965.55777314102
401684.03848173295 | -0.07474561296142708 | 434133.62217864 | 421156.9628329071 | -0.0002771798717191652 | 421273.731431744 | 0 | 0 | 426232.364276159 | 0 | 0 | 428098.3196412821 | 822841.00131464 | -0.03807116242138027 | 855407.353610384 | 1709738.037527825
Dépenses d'intérêt | 109824.37074000001 | -0.08767496693409418 | 120378.55672 | 103324.53671 | -0.1455863060976363 | 120930.33789999998 | 0 | 0 | 123205.77318000002 | 0 | 0 | 123785.14366999999 | 213148.90745 | -0.11669684706129371 | 241308.89461999998 | 488299.81146999996
291859.6677417329 | -0.06978500151033704 | 313755.06545864 | 317832.4261229071 | 0.058230122479170185 | 300343.393531744 | 0 | 0 | 303026.59109615895 | 0 | 0 | 304313.17597128206 | 609692.09386464 | -0.007175339819266889 | 614098.4589903841 | 1221438.2260578251
AUTRES REVENUS
Commissions | 174582.2300233334 | 0.011426365563482484 | 172609.9259100001 | 184827.58669444453 | 0.24858355072521354 | 148029.81072999985 | 0 | 0 | 171478.93863222204 | 0 | 0 | 175314.99636777764 | 359409.8167177779 | 0.12091477021548108 | 320639.73663999996 | 667433.6716399996
Gains sur change | 62394.19291 | -0.16810238835090727 | 75002.25032058252 | 72932.1658813858 | 0.1151308446988548 | 65402.33931120558 | 0 | 0 | 70656.14742821189 | 0 | 0 | 65637.885801131 | 135326.35879138578 | -0.036168552991892915 | 140404.58963178808 | 276698.622861131
Autres | 42880.469515443445 | -0.31556467017003226 | 62650.87093925457 | 52930.11388632533 | -0.05356694067460061 | 55925.89287197234 | 0 | 0 | 58013.81628033587 | 0 | 0 | 54799.03022311999 | 95810.58340176877 | -0.19199529214426594 | 118576.7638112269 | 231389.61031468277
279856.8924487768 | -0.09800121219210538 | 310263.0471698372 | 310689.86646215565 | 0.15344566325907114 | 269358.04291317775 | 0 | 0 | 300148.9023407698 | 0 | 0 | 295751.9123920286 | 590546.7589109325 | 0.01884967440772857 | 579621.0900830149 | 1175521.9048158133
PRODUIT NET BANCAIRE | 571716.5601905098 | -0.08381415760139363 | 624018.1126284772 | 628522.2925850628 | 0.10324856561218759 | 569701.4364449218 | 0 | 0 | 603175.4934369288 | 0 | 0 | 600065.0883633107 | 1200238.8527755723 | 0.005461336129775012 | 1193719.549073399 | 2396960.130873638
Dotation à la provision pour créances douteuses | -12915.2223965123 | -3.7563559405265186 | 4685.614875285388 | 16047.158492235349 | -0.614287980485574 | 41603.98867641502 | 0 | 0 | -10729.95542658987 | 0 | 0 | -15357.780477100732 | 3131.936095723049 | -0.9323403992383511 | 46289.603551700406 | 20201.867648009804
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 584631.782587022 | -0.05602921741077142 | 619332.4977531917 | 612475.1340928274 | 0.1597767356779728 | 528097.4477685067 | 0 | 0 | 613905.4488635187 | 0 | 0 | 615422.8688404114 | 1197106.9166798494 | 0.043294121224598456 | 1147429.9455216986 | 2376758.2632256285
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 225108.03574999998 | -0.04712966935737545 | 236242.04523000002 | 226472.90187 | 0.01872201608177082 | 222310.79557999998 | 0 | 0 | 222175.31088 | 0 | 0 | 176397.85624000002 | 451580.93762 | -0.015204143491259649 | 458552.84080999997 | 857126.00793
Frais de locaux | 89248.43530000001 | -0.1781195450590377 | 108590.53133999999 | 90156.56497 | -0.16876149230272605 | 108460.52502999998 | 0 | 0 | 112852.3588 | 0 | 0 | 117833.81804576 | 179405.00027000002 | -0.17344332126090145 | 217051.05636999995 | 447737.2332157599
Amortissement | 24080.07539 | 0.0974090410886458 | 21942.661749999996 | 23639.021 | -0.10638852430174972 | 26453.354330000002 | 0 | 0 | 26065.69552 | 0 | 0 | 24175.44612 | 47719.096390000006 | -0.01398709531960291 | 48396.01608 | 98637.15772000002
Autres dépenses d'exploitation | 193919.39715713199 | -0.04725528559655046 | 203537.62579365497 | 199966.76694914 | -0.05673463885963177 | 211994.180203319 | 0 | 0 | 209206.05273746402 | 0 | 0 | 200914.059212562 | 393886.164106272 | -0.05209142014717314 | 415531.805996974 | 825651.9179469999
532355.943597132 | -0.06655455786625689 | 570312.8641136549 | 540235.2547891401 | -0.050918201483120706 | 569218.8551433189 | 0 | 0 | 570299.4179374641 | 0 | 0 | 519321.179618322 | 1072591.198386272 | -0.058743885527249844 | 1139531.7192569738 | 2229152.3168127597
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 52275.838989890064 | 0.06642655419046162 | 49019.6336395368 | 72239.87930368737 | 2.7567462768294257 | -41121.407374812174 | 0 | 0 | 43606.03092605458 | 0 | 0 | 96101.68922208942 | 124515.71829357743 | 14.765022945682464 | 7898.226264724741 | 147605.9464128688
Impôts sur le revenu | 15682.751696967101 | -0.08277064168041512 | 17097.96089137266 | 21241.206891106187 | 2.3893728503489893 | -15288.3417045113 | 0 | 0 | -12372.414581012366 | 0 | 0 | 30099.750155546848 | 36923.95858807329 | 19.404270056461424 | 1809.6191868613587 | 19536.954761395842
BÉNÉFICE NET (PERTE NETTE) | 36593.087292922966 | 0.1463399046037613 | 31921.67274816414 | 50998.67241258118 | 2.974162612500617 | -25833.06567030087 | 0 | 0 | 55978.44550706694 | 0 | 0 | 66001.93906654257 | 87591.75970550414 | 13.386173813706154 | 6088.607077863382 | 128068.99165147296
[BUHVARAN]
BANQUE DE L'UNION HAÏTIENNE (BUH)
RÉSULTATS
ANALYSE DES VARIATIONS ANNUELLES
(En milliers de gourdes)
CUMUL (Octobre-Mars) | ANNÉE
2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 711300.85117 | -0.019684356279442514 | 725583.4952 | 1445315.479754684 | -0.2140524867704151 | 1838946.565039248 | 0.09371265544447775 | 1681379.982105 | 0.039074878454053726 | 1618150.9311499998
Intérêts sur Bons B.R.H. | 2632.5 | 0 | 351 | 2457 | 0.9687477441432097 | 1248.00143 | 4.333339444444444 | 234 | 0 | 0
Autres | 108907.65014463999 | -0.15883798749973874 | 129472.85841038401 | 261965.55777314102 | -0.5563720435080589 | 590507.324751748 | 1.6383286353619217 | 223818.714938347 | 0.01096358130447881 | 221391.47154
822841.00131464 | -0.03807116242138027 | 855407.353610384 | 1709738.037527825 | -0.29660727063943443 | 2430701.891220996 | 0.2756692456221138 | 1905432.697043347 | 0.03581885052336621 | 1839542.40269
Dépenses d'intérêt | 213148.90745 | -0.11669684706129371 | 241308.89461999998 | 488299.81146999996 | 0.007959361166226428 | 484443.94713 | -0.019468121244006497 | 494062.41411 | 0.10401418473200696 | 447514.55275000003
609692.09386464 | -0.007175339819266889 | 614098.4589903841 | 1221438.2260578251 | -0.37241708902655224 | 1946257.9440909962 | 0.37898464182337455 | 1411370.282933347 | 0.013895147998785202 | 1392027.8499399999
AUTRES REVENUS
Commissions | 359409.8167177779 | 0.12091477021548108 | 320639.73663999996 | 667433.6716399996 | 0.07231110326185491 | 622425.4039800001 | 0.38508481317249577 | 449377.10533000005 | 0.3202850954773396 | 340363.688774
Gains sur change | 135326.35879138578 | -0.036168552991892915 | 140404.58963178808 | 276698.622861131 | -0.10133828014682043 | 307900.75592219183 | -0.2634857259213652 | 418051.30838417186 | 1.8884541115166125 | 144731.85041
Autres | 95810.58340176877 | -0.19199529214426594 | 118576.7638112269 | 231389.61031468277 | 1.405287595277137 | -570926.9491864359 | -3.4901587744964595 | 229273.31182 | 0.1000679471020839 | 208417.40950999997
590546.7589109325 | 0.01884967440772857 | 579621.0900830149 | 1175521.9048158133 | 2.2707971241080926 | 359399.21071575605 | -0.6722908313646511 | 1096701.7255341718 | 0.5813716637871624 | 693512.948694
PRODUIT NET BANCAIRE | 1200238.8527755723 | 0.005461336129775012 | 1193719.549073399 | 2396960.130873638 | 0.0395995457852616 | 2305657.154806752 | -0.08070535972547532 | 2508072.0084675187 | 0.20260030880732272 | 2085540.798634
Dotation à la provision pour créances douteuses | 3131.936095723049 | -0.9323403992383511 | 46289.603551700406 | 20201.867648009804 | 1.0319787274132488 | -631728.3169823756 | -4.719491321520092 | 169842.66459430777 | 1.6074674394619333 | 65137.02223999999
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 1197106.9166798494 | 0.043294121224598456 | 1147429.9455216986 | 2376758.2632256285 | -0.19085925696433284 | 2937385.4717891277 | 0.25624352439416026 | 2338229.343873211 | 0.15730794566542727 | 2020403.7763939998
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 451580.93762 | -0.015204143491259649 | 458552.84080999997 | 857126.00793 | -0.1276990717956051 | 982603.57202 | 0.2891304210305672 | 762222.0032899999 | 0.2526227287076956 | 608500.8565
Frais de locaux | 179405.00027000002 | -0.17344332126090145 | 217051.05636999995 | 447737.2332157599 | 0.10107362378645891 | 406636.96190999995 | 0.31185426955200085 | 309971.1388284514 | 0.21736965736583627 | 254623.67733000003
Amortissement | 47719.096390000006 | -0.01398709531960291 | 48396.01608 | 98637.15772000002 | -0.05025161402318337 | 103856.09407332834 | 0.24535197758936964 | 83394.97262 | -0.3366673098319316 | 125721.18615
Autres dépenses d'exploitation | 393886.164106272 | -0.05209142014717314 | 415531.805996974 | 825651.9179469999 | -0.1579535864765877 | 980530.1758749709 | 0.175190961738229 | 834358.166288707 | 0.6550675012667521 | 504123.345815266
1072591.198386272 | -0.058743885527249844 | 1139531.7192569738 | 2229152.3168127597 | -0.09883240539043223 | 2473626.803878299 | 0.2430621004510119 | 1989946.2810271583 | 0.3328784410996254 | 1492969.065795266
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 124515.71829357743 | 14.765022945682464 | 7898.226264724741 | 147605.9464128688 | -0.681718193909315 | 463758.6679108287 | 0.33155676340143475 | 348283.0628460529 | -0.33966601771300053 | 527434.7105987337
Impôts sur le revenu | 36923.95858807329 | 19.404270056461424 | 1809.6191868613587 | 19536.954761395842 | -0.7629137312526508 | 82404.4128098173 | -0.2113272067033035 | 104484.91885381544 | -0.33966601771300353 | 158230.41317962017
BÉNÉFICE NET (PERTE NETTE) | 87591.75970550414 | 13.386173813706154 | 6088.607077863382 | 128068.99165147296 | -0.6641731672364568 | 381354.2551010114 | 0.5642213220177498 | 243798.14399223748 | -0.3396660177129993 | 369204.2974191136
[capitalbkinfin ]
CAPITAL BANK (CAPITALBK)
INDICATEURS FINANCIERS
Var.mars 25 | 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 | 0.019056789896896343 | 54041995 | 0 | 0 | 0 | 0 | 0.10420713131284237 | 48941900 | 0 | 48941900 | 0.06915401568401595 | 45776286 | 0.17680518514976562 | 38898780
Bons B.R.H. | 0 | 0 | 350000 | 0 | 0 | 0 | 0 | -0.36363636363636365 | 550000 | 0 | 550000 | 0 | 0 | 0 | 150000
Prêts nets | 11777384 | 0.0005693114871689672 | 11784089 | 0 | 0 | 0 | 0 | -0.07684979408281169 | 12765083 | 0 | 12765083 | -0.12027296239761653 | 14510277 | 0.2171181591149883 | 11921831
Dépôts | 41021530 | 0.032974952421326066 | 42374213 | 0 | 0 | 0 | 0 | 0.10942680775783231 | 38194690 | 0 | 38194690 | 0.031501297981876106 | 37028252 | 0.19574335313889535 | 30966722
Avoir des Actionnaires | 5502296 | -0.06167643471016463 | 5162934 | 0 | 0 | 0 | 0 | -0.0002960617589863651 | 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 - mars. 25) | (oct. 23- mars. 24)
Résultats
Revenus nets d'intérêt | 428551 | -0.14790660497595134 | 502939 | 424522 | -0.13325003164647417 | 489786 | 0 | 0 | 466848 | 0 | 0 | 471217 | 853073 | -0.14067541363418873 | 992725
Autres revenus | 545239 | -0.11580331760855851 | 616649 | 577054 | 0.10404613218232467 | 522672 | 0 | 0 | 553699 | 0 | 0 | 783413 | 1122293 | -0.014945744000154478 | 1139321
Dot. à la prov. pr créances douteuses | 15144 | -0.7519410319410319 | 61050 | 6508 | -0.8764217761996088 | 52663 | 0 | 0 | 45106 | 0 | 0 | 16112 | 21652 | -0.8095908119564166 | 113713
Dépenses d'exploitation | 814737 | 0.14787419746146335 | 709779 | 808981 | 0.10904544451283794 | 729439 | 0 | 0 | 719897 | 0 | 0 | 1028134 | 1623718 | 0.12819461679884492 | 1439218
Bénéfice (perte) net | 135670 | -0.4991176318568127 | 270862 | 172859 | -0.019050483497525764 | 176216 | 0 | 0 | 194737 | 0 | 0 | 197187 | 308529 | -0.30989894380846295 | 447078
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 - mars. 25) | (oct. 23- mars. 24) | 2024 | 2023 | 2022 | 2021
RATIOS FINANCIERS CLÉS
(Données trimestrielles
et cumulatives annualisées)
Avoir des actionnaires
en % de l'actif | 0.10375546089337621 | 0.1067517633540369 | 0.09553559227411941 | 0.10327786066000082 | 0 | 0.10009885366620547 | 0 | 0.1031895701030845 | 0.09553559227411941 | 0.10327786066000082 | 0.1031895701030845 | 0.10552232340795924 | 0.10227315077505414 | 0.10359921313727577
Dépôts en % de l'actif | 0.7735330399712156 | 0.7795892896427195 | 0.784097866853361 | 0.7489719368890932 | 0 | 0.7752688165007219 | 0 | 0.7736382273950473 | 0.784097866853361 | 0.7489719368890932 | 0.7736382273950473 | 0.7804088112639681 | 0.8088959423226253 | 0.7960846586962368
Qualité de l'actif
Prêts improductifs bruts
en % des prêts bruts | 0.025252646383929597 | 0.02045395965346086 | 0.01813645517169242 | 0.03351871770823906 | 0 | 0.027223365784246886 | 0 | 0.013240075016499053 | 0.01813645517169242 | 0.03351871770823906 | 0.013240075016499053 | 0.0074986244129951725 | 0.006870518254882838 | 0.004266541929389752
Provisions pour créances douteuses
en % des prêts improductifs bruts | 1.2231475464467216 | 1.7376903245199256 | 1.8751841841208428 | 1.0259087661616173 | 0 | 1.2016308399129814 | 0 | 2.2618946595147778 | 1.8751841841208428 | 1.0259087661616173 | 2.2618946595147778 | 4.463129196748624 | 3.231813411536236 | 4.266213712168005
Prêts improductifs nets
en % de l'avoir des actionnaires | -0.012169646998271267 | -0.035507061290970594 | -0.03750406261246028 | -0.002002076117667348 | 0 | -0.012740848349124893 | 0 | -0.03694352588171516 | -0.03750406261246028 | -0.002002076117667348 | -0.03694352588171516 | -0.06640980872551512 | -0.048604081650089656 | -0.04199030095910973
Rentabilité
ROA (rendement de l'actif) | 0.010307202125196627 | 0.021790185338091402 | 0.012915179983761044 | 0.013694438375202168 | 0 | 0.014922157078007517 | 0 | 0.01513455725249151 | 0.01160846448418888 | 0.017639383583877708 | 0.016579160262594303 | 0.025372424256520285 | 0.028301767134140763 | 0.031499650789018965
ROE (rendement avoir des action.) | 0.09961097607669905 | 0.20528370869118392 | 0.12966171381207905 | 0.13044544796808671 | 0 | 0.14673350173963332 | 0 | 0.14889069309524858 | 0.11690439729512062 | 0.1690221515544726 | 0.15892966147968088 | 0.24407819179642637 | 0.27508870963298454 | 0.2754054352069889
Revenus nets d'intérêt
en % des revenus d'intérêt | 0.7556752658214456 | 0.7914204651850779 | 0.7627509356465618 | 0.7851814802168048 | 0 | 0.7754228842499701 | 0 | 0.7729506556392852 | 0.7591799066813684 | 0.788329961025224 | 0.7813907597271674 | 0.8223966371902904 | 0.7993268773615595 | 0.7860901596732269
Rendement moyen des prêts | 0.1504897486517485 | 0.16563764461589256 | 0.15346975209035807 | 0.16247821022740816 | 0 | 0.16147974782511643 | 0 | 0.16204342918706444 | 0.1508555564798922 | 0.16305947111607938 | 0.16147344511706513 | 0.16463297582703698 | 0.14536228814988364 | 0.15817093593204473
Rendement moyen des prêts productifs | 0.15344124932434383 | 0.16796327791730875 | 0.1568655547122441 | 0.16697556768369798 | 0 | 0.16654675961391596 | 0 | 0.16539674692545822 | 0.15326424510878683 | 0.166411568918874 | 0.16314125046881425 | 0.1658212992370864 | 0.14619540671723333 | 0.15906512222369967
Rémunération moyenne des dépôts | 0.013607662388965084 | 0.013671056561882179 | 0.012666833605643395 | 0.013630691602525438 | 0 | 0.013595533970458915 | 0 | 0.013717875765872797 | 0.013070749748810808 | 0.01376267698888524 | 0.013739245088030264 | 0.012338974989837543 | 0.012266024250557107 | 0.013981043459199304
Dépenses d'exploitation
en % du produit net bancaire | 0.8366660162868791 | 0.6339644583543232 | 0.8077080521098748 | 0.7204634661388423 | 0 | 0.7054030828565465 | 0 | 0.8194718761706639 | 0.821983369157918 | 0.6750407824221428 | 0.7231875945464978 | 0.6275988950655973 | 0.5830335656071177 | 0.6041727397791697
(revenus nets d'int.+autres revenus)
Productivité par employé ('000 gdes) | 5152.328042328042 | 6130.52977412731 | 5450.753741496598 | 5509.975510204082 | 0 | 5535.1701694915255 | 0 | 6827.918367346939 | 5218.9326287978865 | 5829.244019138756 | 6045.573388203018 | 8537.203230735648 | 5034.915632754342 | 3980.501262626263
[capitalbkvar]
CAPITAL BANK (CAPITALBK)
BILAN
ANALYSE DES VARIATIONS
(En milliers de gourdes)
Var.mars 25 | 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 | 0.2630380386089088 | 1605651 | 0 | 0 | 0 | 0 | -0.1634410988708689 | 1919352 | -0.04363970115609183 | 2006934 | 0.6036946119842358 | 1251444 | 0.05776062520127089 | 1183107
Avoirs à la BRH | 20891236 | -0.002724252409000597 | 20834323 | 0 | 0 | 0 | 0 | 0.05517303551518402 | 19744935 | 0.10293504018003624 | 17902174 | 0.013660043287653393 | 17660925 | 0.26996385035173137 | 13906636
Avoirs à l'étranger | 9142997 | 0.06655563815672257 | 9751515 | 0 | 0 | 0 | 0 | 0.1869098703304635 | 8215885 | 0.19132538834619217 | 6896424 | 0.39151706995514773 | 4956047 | -0.16414665005769627 | 5929326
Avoirs dans les banques locales | 61322 | -0.17484752617331464 | 50600 | 0 | 0 | 0 | 0 | 1.0735155513666352 | 24403 | -0.47794369330823205 | 46744 | 0.1998254575322775 | 38959 | -0.35693181255467704 | 60583
Autres liquidités | 160573 | 0.8279411856289662 | 293518 | 0 | 0 | 0 | 0 | -0.18432102710889411 | 359845 | -0.20034266742814985 | 449999 | 1.0439820492555347 | 220158 | -0.1725125537480831 | 266056
31527389 | 0.03197911504818873 | 32535607 | 0 | 0 | 0 | 0 | 0.07504478856690464 | 30264420 | 0.108494438650259 | 27302275 | 0.13158170791850124 | 24127533 | 0.13032245170785622 | 21345708
Bons B.R.H. | 0 | 0 | 350000 | 0 | 0 | 0 | 0 | -0.7666666666666667 | 1500000 | 1.7272727272727273 | 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 | -0.09951509099759928 | 5630851 | 0 | 0 | 0 | 0 | 0.02197049692202872 | 5509798 | 0.08364640914402956 | 5084498 | 0.08714690162476622 | 4676919 | 0.3435743027843237 | 3480953
Portefeuille net | 11777384 | 0.0005693114871689672 | 11784089 | 0 | 0 | 0 | 0 | 0.018567716522229483 | 11569274 | -0.09367812179521277 | 12765083 | -0.12027296239761653 | 14510277 | 0.2171181591149883 | 11921831
Immobilisations | 1842097 | -0.006642972655620198 | 1829860 | 0 | 0 | 0 | 0 | 0.0029801202900862356 | 1824423 | 0.12251806595110426 | 1625295 | 0.17732684484417194 | 1380496 | 0.1980206783914801 | 1152314
Autres actifs | 1631385 | 0.17175773958936733 | 1911588 | 0 | 0 | 0 | 0 | 0.1933812994553088 | 1601825 | -0.008003720702102927 | 1614749 | 0.49367056993083647 | 1081061 | 0.27487517305955134 | 847974
53031387 | 0.019056789896896343 | 54041995 | 0 | 0 | 0 | 0 | 0.033905946346777315 | 52269740 | 0.06799572554396131 | 48941900 | 0.06915401568401595 | 45776286 | 0.17680518514976562 | 38898780
PASSIF
Dépôts
À vue | 18890692 | 0.053768702597025035 | 19906420 | 0 | 0 | 0 | 0 | 0.032741457235621226 | 19275318 | 0.09186911653696439 | 17653506 | 0.0008623849414016491 | 17638295 | 0.2193429014455864 | 14465410
Épargne | 11781118 | 0.051181984596029004 | 12384099 | 0 | 0 | 0 | 0 | 0.13201332591339143 | 10939888 | 0.026711477043753935 | 10655270 | 0.1300746010635477 | 9428820 | 0.2742180720789557 | 7399691
À terme | 10349720 | -0.02570369053462316 | 10083694 | 0 | 0 | 0 | 0 | -0.013594207301952535 | 10222663 | 0.03406351704050834 | 9885914 | -0.007551647969503883 | 9961137 | 0.09443548572281794 | 9101621
41021530 | 0.032974952421326066 | 42374213 | 0 | 0 | 0 | 0 | 0.04788442239624447 | 40437869 | 0.05873012714594621 | 38194690 | 0.031501297981876106 | 37028252 | 0.19574335313889535 | 30966722
Obligations à vue
Banques locales | 650000 | 0 | 650000 | 0 | 0 | 0 | 0 | 0 | 650000 | 0 | 650000 | 1.1666666666666667 | 300000 | 0 | 300000
Banques à l'étranger | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 3817913 | -0.0744008572222573 | 3533857 | 0 | 0 | 0 | 0 | 0.03282705029141866 | 3421538 | 0.3688676191889784 | 2499539 | 0.45143811784599375 | 1722112 | 0.2799628968686057 | 1345439
4467913 | -0.06357688701637655 | 4183857 | 0 | 0 | 0 | 0 | 0.027586381362521974 | 4071538 | 0.29274093764198506 | 3149539 | 0.5575492356506464 | 2022112 | 0.22891945553739762 | 1645439
Obligations à terme
Banques locales | 351217 | -0.047745410956758924 | 334448 | 0 | 0 | 0 | 0 | -0.09113686699186108 | 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
Autres | -43916 | 2.730940887148192 | 76016 | 0 | 0 | 0 | 0 | -0.6363166632379185 | 209017 | -0.24792656906099214 | 277921 | 2.4908120329083716 | 79615 | -0.6055206790108164 | 201823
307301 | 0.33570668497661904 | 410464 | 0 | 0 | 0 | 0 | -0.28862638257753004 | 577002 | -0.19071669712572178 | 712979 | 0.22535932615282553 | 581853 | -0.2453532755662253 | 771027
Autres passifs | 1732347 | 0.1028546821162273 | 1910527 | 0 | 0 | 0 | 0 | 0.06754881850473755 | 1789639 | 0.040349279078541286 | 1720229 | 0.176318258405453 | 1462384 | -0.015699575085026746 | 1485709
47529091 | 0.028403025843688028 | 48879061 | 0 | 0 | 0 | 0 | 0.042729988671399946 | 46876048 | 0.07078100529274932 | 43777437 | 0.06528439100795747 | 41094601 | 0.1785460549555095 | 34868897
AVOIR DES ACTIONNAIRES
Capital versé | 2025000 | 0 | 2025000 | 0 | 0 | 0 | 0 | 0 | 2025000 | 0 | 2025000 | 0 | 2025000 | 1.5 | 810000
Réserves | 706455 | 0.18425094308908566 | 836620 | 0 | 0 | 0 | 0 | 0.18425094308908566 | 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 | 1384 | 0 | 0 | 0 | 0 | 0 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384
BNR | 2769457 | -0.169537566389368 | 2299930 | 0 | 0 | 0 | 0 | -0.1356418411689785 | 2660853 | 0.0299670787149667 | 2583435 | 0.16743420562090672 | 2212917 | -0.15299030897301294 | 2612623
5502296 | -0.06167643471016463 | 5162934 | 0 | 0 | 0 | 0 | -0.042782939774833266 | 5393692 | 0.04438583450012131 | 5164463 | 0.10312056449761144 | 4681685 | 0.16174216472289643 | 4029883
53031387 | 0.019056789896896343 | 54041995 | 0 | 0 | 0 | 0 | 0.033905946346777315 | 52269740 | 0.06799572554396131 | 48941900 | 0.06915401568401595 | 45776286 | 0.17680518514976562 | 38898780
Hors-bilan
Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 45416 | -0.03718953672714462 | 43727 | 0 | 0 | -0.6801407389526506 | 136707 | 274169 | 323187 | 240645
Portefeuille brut | 11882913 | 0.026597266175389822 | 12198966 | 0 | 0 | 0 | 0 | 0.0228503167289694 | 11926443 | -0.09696656091285522 | 13207089 | -0.11002142012453955 | 14839783 | 0.22209999213529272 | 12142855
Provisions pour créances douteuses | 367036 | 0.13034416242548416 | 414877 | 0 | 0 | 0 | 0 | 0.1615705730340539 | 357169 | -0.19193630855689742 | 442006 | 0.3414201865823384 | 329506 | 0.4908154770522658 | 221024
Portefeuille de crédit improductif | 300075 | -0.2626976589186037 | 221246 | 0 | 0 | 0 | 0 | 0.40111584666924205 | 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 | 1605651 | 0.029711171839603628 | 0 | 0 | 0 | 0 | 2006934 | 0.041006458678555596 | 2006934 | 0.041006458678555596 | 1251444 | 0.027338259814262782 | 1183107 | 0.030415015586607086
Avoirs à la BRH | 20891236 | 0.3939409693357634 | 20834323 | 0.3855209823397526 | 0 | 0 | 0 | 0 | 17902174 | 0.3657842053536949 | 17902174 | 0.3657842053536949 | 17660925 | 0.38580947785934405 | 13906636 | 0.35750828175073873
Avoirs à l'étranger | 9142997 | 0.1724072764681791 | 9751515 | 0.1804432830431223 | 0 | 0 | 0 | 0 | 6896424 | 0.14091042644441676 | 6896424 | 0.14091042644441676 | 4956047 | 0.10826669074900484 | 5929326 | 0.15242961347373876
Avoirs dans les banques locales | 61322 | 0.0011563340781563945 | 50600 | 0.0009363088834895899 | 0 | 0 | 0 | 0 | 46744 | 0.0009550916494864319 | 46744 | 0.0009550916494864319 | 38959 | 0.0008510738507706807 | 60583 | 0.001557452444523967
Autres liquidités | 160573 | 0.0030278861082777262 | 293518 | 0.005431294681108645 | 0 | 0 | 0 | 0 | 449999 | 0.009194555176648229 | 449999 | 0.009194555176648229 | 220158 | 0.004809433425857222 | 266056 | 0.0068397003710656224
31527389 | 0.5945043262775684 | 32535607 | 0.6020430407870768 | 0 | 0 | 0 | 0 | 27302275 | 0.5578507373028019 | 27302275 | 0.5578507373028019 | 24127533 | 0.5270749356992396 | 21345708 | 0.5487500636266741
Bons B.R.H. | 0 | 0 | 350000 | 0.006476444846271867 | 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 | 5630851 | 0.10419398839735654 | 0 | 0 | 0 | 0 | 5084498 | 0.1038884473222331 | 5084498 | 0.1038884473222331 | 4676919 | 0.10216903573173236 | 3480953 | 0.08948745950387132
Portefeuille net | 11777384 | 0.22208327306242245 | 11784089 | 0.21805429277731142 | 0 | 0 | 0 | 0 | 12765083 | 0.2608211573314481 | 12765083 | 0.2608211573314481 | 14510277 | 0.3169824000138412 | 11921831 | 0.3064834167035573
Immobilisations | 1842097 | 0.03473597626251035 | 1829860 | 0.03385996390399725 | 0 | 0 | 0 | 0 | 1625295 | 0.03320866169887152 | 1625295 | 0.03320866169887152 | 1380496 | 0.030157448771619435 | 1152314 | 0.02962339692915819
Autres actifs | 1631385 | 0.030762631194239744 | 1911588 | 0.03537226928798613 | 0 | 0 | 0 | 0 | 1614749 | 0.03299318171137614 | 1614749 | 0.03299318171137614 | 1081061 | 0.023616179783567413 | 847974 | 0.02179950116687464
53031387 | 1 | 54041995 | 1 | 0 | 0 | 0 | 0 | 48941900 | 1 | 48941900 | 1 | 45776286 | 1 | 38898780 | 1
PASSIF
Dépôts
À vue | 18890692 | 0.356217196431238 | 19906420 | 0.3683509463334949 | 0 | 0 | 0 | 0 | 17653506 | 0.3607033237369207 | 17653506 | 0.3607033237369207 | 17638295 | 0.3853151170892283 | 14465410 | 0.3718731024469148
Épargne | 11781118 | 0.22215368419460724 | 12384099 | 0.22915695469791594 | 0 | 0 | 0 | 0 | 10655270 | 0.21771263477715413 | 10655270 | 0.21771263477715413 | 9428820 | 0.2059760811525863 | 7399691 | 0.19022938508611323
À terme | 10349720 | 0.19516215934537032 | 10083694 | 0.18658996582195014 | 0 | 0 | 0 | 0 | 9885914 | 0.20199285274989323 | 9885914 | 0.20199285274989323 | 9961137 | 0.21760474408081076 | 9101621 | 0.2339821711632087
41021530 | 0.7735330399712156 | 42374213 | 0.784097866853361 | 0 | 0 | 0 | 0 | 38194690 | 0.7804088112639681 | 38194690 | 0.7804088112639681 | 37028252 | 0.8088959423226253 | 30966722 | 0.7960846586962368
Obligations à vue
Banques locales | 650000 | 0.012256892319259914 | 650000 | 0.012027683285933467 | 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 | 3533857 | 0.06539094272889075 | 0 | 0 | 0 | 0 | 2499539 | 0.051071556273867585 | 2499539 | 0.051071556273867585 | 1722112 | 0.037620177399276124 | 1345439 | 0.034588205594108606
4467913 | 0.08425035158895618 | 4183857 | 0.07741862601482422 | 0 | 0 | 0 | 0 | 3149539 | 0.0643526099313676 | 3149539 | 0.0643526099313676 | 2022112 | 0.04417378902255198 | 1645439 | 0.04230052973383741
Obligations à terme
Banques locales | 351217 | 0.006622813768759245 | 334448 | 0.006188668645559809 | 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 | 76016 | 0.0014066098040977208 | 0 | 0 | 0 | 0 | 277921 | 0.0056785903285324025 | 277921 | 0.0056785903285324025 | 79615 | 0.0017392192979570251 | 201823 | 0.005188414649508288
307301 | 0.005794700410155216 | 410464 | 0.00759527844965753 | 0 | 0 | 0 | 0 | 712979 | 0.014567865162570312 | 712979 | 0.014567865162570312 | 581853 | 0.012710795279459763 | 771027 | 0.019821367148275603
Autres passifs | 1732347 | 0.03266644713629685 | 1910527 | 0.03535263640803786 | 0 | 0 | 0 | 0 | 1720229 | 0.03514839023413476 | 1720229 | 0.03514839023413476 | 1462384 | 0.031946322600308816 | 1485709 | 0.03819423128437447
47529091 | 0.8962445391066238 | 48879061 | 0.9044644077258805 | 0 | 0 | 0 | 0 | 43777437 | 0.8944776765920408 | 43777437 | 0.8944776765920408 | 41094601 | 0.8977268492249458 | 34868897 | 0.8964007868627242
AVOIR DES ACTIONNAIRES
Capital versé | 2025000 | 0.03818493376384819 | 2025000 | 0.0374708594677158 | 0 | 0 | 0 | 0 | 2025000 | 0.041375590240673124 | 2025000 | 0.041375590240673124 | 2025000 | 0.04423687845711205 | 810000 | 0.02082327517726777
Réserves | 706455 | 0.013321450559081172 | 836620 | 0.015480923677965627 | 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 | 1384 | 2.560971333497218e-05 | 0 | 0 | 0 | 0 | 1384 | 2.827842809535388e-05 | 1384 | 2.827842809535388e-05 | 1384 | 3.02339949553793e-05 | 1384 | 3.5579522031282215e-05
BNR | 2769457 | 0.052222978818185536 | 2299930 | 0.04255819941510301 | 0 | 0 | 0 | 0 | 2583435 | 0.05278575208563623 | 2583435 | 0.05278575208563623 | 2212917 | 0.048341995241815816 | 2612623 | 0.06716465143636896
5502296 | 0.10375546089337621 | 5162934 | 0.09553559227411941 | 0 | 0 | 0 | 0 | 5164463 | 0.10552232340795924 | 5164463 | 0.10552232340795924 | 4681685 | 0.10227315077505414 | 4029883 | 0.10359921313727577
53031387 | 1 | 54041995 | 1 | 0 | 0 | 0 | 0 | 48941900 | 1 | 48941900 | 1 | 45776286 | 1 | 38898780 | 1
[capitalbkgdes&$]
CAPITAL BANK (CAPITALBK)
BILAN
DEVISES ET GOURDES
(En milliers de gourdes)
Mars 25 | Septembre 24
ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total
Disponibilités
Encaisse | 446220 | 1159431 | 1605651 | 0.277905970849207 | 634348 | 1285004 | 1919352 | 0.3305011274638524
Avoirs à la BRH | 13473917 | 7360406 | 20834323 | 0.6467172943416496 | 13344226 | 6400709 | 19744935 | 0.6758303331968426
Avoirs à l'étranger | 9751515 | 0 | 9751515 | 1 | 8215885 | 0 | 8215885 | 1
Avoirs dans les banques locales | 1178 | 49422 | 50600 | 0.023280632411067193 | 792 | 23611 | 24403 | 0.03245502602139081
Autres liquidités | 90688 | 202830 | 293518 | 0.3089691262546079 | 189800 | 170045 | 359845 | 0.5274493184565577
23763518 | 8772089 | 32535607 | 0.7303849594691748 | 22385051 | 7879369 | 30264420 | 0.7396490995036415
Bons B.R.H. | 0 | 350000 | 350000 | 0 | 0 | 0 | 0 | 0
Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres Placements | 3148547 | 2482304 | 5630851 | 0.5591600630171176 | 3219975 | 3789823 | 7009798 | 0.45935346496432566
Portefeuille net | 7164369 | 4619720 | 11784089 | 0.6079696954087839 | 6953165 | 4616109 | 11569274 | 0.6010027076893503
Immobilisations | 0 | 1829860 | 1829860 | 0 | 0 | 1824423 | 1824423 | 0
Autres actifs | 347329 | 1564259 | 1911588 | 0.1816965789699454 | 251807 | 1350018 | 1601825 | 0.15720006867167138
34423763 | 19618232 | 54041995 | 0.6369817213446691 | 32809998 | 19459742 | 52269740 | 0.627705398955495
PASSIF
Dépôts
À vue | 15344895 | 4561525 | 19906420 | 0.7708515644701559 | 14367797 | 4907521 | 19275318 | 0.7453987010746075
Épargne | 8580547 | 3803552 | 12384099 | 0.692868088344578 | 7766292 | 3173596 | 10939888 | 0.7099059880686164
À terme | 7795546 | 2288148 | 10083694 | 0.7730843478590287 | 7819052 | 2403611 | 10222663 | 0.7648742798231732
31720988 | 10653225 | 42374213 | 0.748591790955504 | 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 | 1486572 | 2047285 | 3533857 | 0.42066557871470184 | 1433259 | 1988279 | 3421538 | 0.41889319949098913
1486572 | 2697285 | 4183857 | 0.3553113789500932 | 1433259 | 2638279 | 4071538 | 0.35201906503144514
Obligations à terme
Banques locales | 0 | 334448 | 334448 | 0 | 0 | 367985 | 367985 | 0
Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0 | 76016 | 76016 | 0 | 0 | 209017 | 209017 | 0
0 | 410464 | 410464 | 0 | 0 | 577002 | 577002 | 0
Autres passifs | 1264652 | 645875 | 1910527 | 0.6619388263028997 | 1236730 | 552909 | 1789639 | 0.6910499827060094
34472212 | 14406849 | 48879061 | 0.7052552011995484 | 32623130 | 14252918 | 46876048 | 0.6959445472024434
AVOIR DES ACTIONNAIRES
Capital versé | 0 | 2025000 | 2025000 | 0 | 0 | 2025000 | 2025000 | 0
Réserves | 0 | 836620 | 836620 | 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 | 2299930 | 2299930 | 0 | 0 | 2660853 | 2660853 | 0
0 | 5162934 | 5162934 | 0 | 0 | 5393692 | 5393692 | 0
34472212 | 19569783 | 54041995 | 0.6378782278485463 | 32623130 | 19646610 | 52269740 | 0.6241303285610375
*Converties au taux de 130.5296 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 | 0.031474737822154444 | 461980 | 0 | 0 | 0 | 0 | 536121 | -0.04639997314039181 | 511245 | -0.030374869191874737 | 495716 | -0.019363909980714765 | 486117
Intérêts sur Bons B.R.H. | 21194 | -0.39827309615929035 | 12753 | 0 | 0 | 0 | 0 | 9439 | -0.4555567327047357 | 5139 | -0.1852500486475968 | 4187 | 2.5032242655839503 | 14668
Autres | 98033 | -0.1652402762335132 | 81834 | 0 | 0 | 0 | 0 | 89929 | 0.19430884364331863 | 107403 | -0.04888131616435295 | 102153 | 0.06554873571994949 | 108849
567110 | -0.018590749590026625 | 556567 | 0 | 0 | 0 | 0 | 635489 | -0.018414166098862452 | 623787 | -0.03483721206116831 | 602056 | 0.012586868995575163 | 609634
Dépenses d'intérêt | 138559 | -0.0470124640045035 | 132045 | 0 | 0 | 0 | 0 | 132550 | 0.01094681252357601 | 134001 | 0.009007395467198006 | 135208 | 0.02373380273356606 | 138417
428551 | -0.009401448135694468 | 424522 | 0 | 0 | 0 | 0 | 502939 | -0.02615227691628607 | 489786 | -0.046832698362141836 | 466848 | 0.009358506408938242 | 471217
AUTRES REVENUS
Commissions | 312319 | -0.04858814225199235 | 297144 | 0 | 0 | 0 | 0 | 321562 | -0.17930912234654592 | 263903 | 0.0896920459411223 | 287573 | 0.07388384862278448 | 308820
Gains sur change | 117883 | 0.24419127439919242 | 146669 | 0 | 0 | 0 | 0 | 181114 | -0.1900460483452411 | 146694 | -0.10236274148908613 | 131678 | -0.023314448882880968 | 128608
Autres | 115037 | 0.15824473864930413 | 133241 | 0 | 0 | 0 | 0 | 113973 | -0.016653066954454124 | 112075 | 0.19962525094802588 | 134448 | 1.5733740925859812 | 345985
545239 | 0.058350558195580285 | 577054 | 0 | 0 | 0 | 0 | 616649 | -0.15239950117489853 | 522672 | 0.059362276915541676 | 553699 | 0.414871617972942 | 783413
PRODUIT NET BANCAIRE | 973790 | 0.028533872806251862 | 1001576 | 0 | 0 | 0 | 0 | 1119588 | -0.09568698485514314 | 1012458 | 0.00798946721740556 | 1020547 | 0.2293701318998537 | 1254630
Dotation à la provisions pour créances douteuses | 15144 | -0.5702588483888008 | 6508 | 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 | 0.03799316953286198 | 995068 | 0 | 0 | 0 | 0 | 1058538 | -0.0932824329405274 | 959795 | 0.016301397694299304 | 975441 | 0.2697005764572127 | 1238518
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 299121 | 0.04598807840305428 | 312877 | 0 | 0 | 0 | 0 | 273354 | 0.06911916416075857 | 292248 | -0.0011941912348416414 | 291899 | 0.06862647696634795 | 311931
Frais de locaux | 89170 | 0.006246495458113716 | 89727 | 0 | 0 | 0 | 0 | 32469 | 0.4691243955773199 | 47701 | -0.03249407769229157 | 46151 | 4.311845897163659 | 245147
Amortissement | 42024 | 0.06332095945174186 | 44685 | 0 | 0 | 0 | 0 | 33589 | -0.005894786983833993 | 33391 | 0.05869845167859603 | 35351 | 0.06992730050069305 | 37823
Autres dépenses d'exploitation | 384422 | -0.05912772942235356 | 361692 | 0 | 0 | 0 | 0 | 370367 | -0.03852395056795017 | 356099 | -0.026967219790002217 | 346496 | 0.2503261220908755 | 433233
814737 | -0.0070648565119787125 | 808981 | 0 | 0 | 0 | 0 | 709779 | 0.02769876257257541 | 729439 | -0.013081285755217366 | 719897 | 0.428168196283635 | 1028134
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 143909 | 0.293087993106755 | 186087 | 0 | 0 | 0 | 0 | 348759 | -0.33949804879587336 | 230356 | 0.10934379829481325 | 255544 | -0.17672103434242245 | 210384
Impôts sur le revenu | 8239 | 0.6055346522636242 | 13228 | 0 | 0 | 0 | 0 | 77897 | -0.304979652618201 | 54140 | 0.1231437015145918 | 60807 | -0.7829690660614732 | 13197
BÉNÉFICE NET | 135670 | 0.27411365814107763 | 172859 | 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- mars 25) | 2024 (oct23.- mars 24) | 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 | 461980 | -0.09636280061418694 | 511245 | 0 | 0 | 495716 | 0 | 0 | 486117 | 909863 | -0.13128457482866543 | 1047366 | 2029199
Intérêts sur Bons B.R.H. | 21194 | 1.245364975103295 | 9439 | 12753 | 1.4816112084063047 | 5139 | 0 | 0 | 4187 | 0 | 0 | 14668 | 33947 | 1.3286459047880368 | 14578 | 33433
Autres | 98033 | 0.09011553558918703 | 89929 | 81834 | -0.23806597581073155 | 107403 | 0 | 0 | 102153 | 0 | 0 | 108849 | 179867 | -0.08850566557882147 | 197332 | 408334
567110 | -0.10760060362964584 | 635489 | 556567 | -0.10776114282599669 | 623787 | 0 | 0 | 602056 | 0 | 0 | 609634 | 1123677 | -0.10768012731124868 | 1259276 | 2470966
Dépenses d'intérêt | 138559 | 0.04533383628819313 | 132550 | 132045 | -0.014596905993238856 | 134001 | 0 | 0 | 135208 | 0 | 0 | 138417 | 270604 | 0.015205345318531913 | 266551 | 540176
428551 | -0.14790660497595134 | 502939 | 424522 | -0.13325003164647417 | 489786 | 0 | 0 | 466848 | 0 | 0 | 471217 | 853073 | -0.14067541363418873 | 992725 | 1930790
AUTRES REVENUS
Commissions | 312319 | -0.0287440680179872 | 321562 | 297144 | 0.12595915923653767 | 263903 | 0 | 0 | 287573 | 0 | 0 | 308820 | 609463 | 0.04098964071293758 | 585465 | 1181858
Gains sur change | 117883 | -0.3491226520313173 | 181114 | 146669 | -0.00017042278484464258 | 146694 | 0 | 0 | 131678 | 0 | 0 | 128608 | 264552 | -0.19296661460367043 | 327808 | 588094
Autres | 115037 | 0.009335544383318857 | 113973 | 133241 | 0.1888556770020076 | 112075 | 0 | 0 | 134448 | 0 | 0 | 345985 | 248278 | 0.09834194507361269 | 226048 | 706481
545239 | -0.11580331760855851 | 616649 | 577054 | 0.10404613218232467 | 522672 | 0 | 0 | 553699 | 0 | 0 | 783413 | 1122293 | -0.014945744000154478 | 1139321 | 2476433
PRODUIT NET BANCAIRE | 973790 | -0.13022468979660376 | 1119588 | 1001576 | -0.01074810016810574 | 1012458 | 0 | 0 | 1020547 | 0 | 0 | 1254630 | 1975366 | -0.07348809547261176 | 2132046 | 4407223
Dotation à la provisions pour créances douteuses | 15144 | -0.7519410319410319 | 61050 | 6508 | -0.8764217761996088 | 52663 | 0 | 0 | 45106 | 0 | 0 | 16112 | 21652 | -0.8095908119564166 | 113713 | 174931
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 958646 | -0.09436789231940658 | 1058538 | 995068 | 0.036750556108335636 | 959795 | 0 | 0 | 975441 | 0 | 0 | 1238518 | 1953714 | -0.03201602510586707 | 2018333 | 4232292
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 299121 | 0.09426238503917997 | 273354 | 312877 | 0.07058730940844762 | 292248 | 0 | 0 | 291899 | 0 | 0 | 311931 | 611998 | 0.0820294129087238 | 565602 | 1169432
Frais de locaux | 89170 | 1.746311866703625 | 32469 | 89727 | 0.8810297478040293 | 47701 | 0 | 0 | 46151 | 0 | 0 | 245147 | 178897 | 1.2314706249220406 | 80170 | 371468
Amortissement | 42024 | 0.2511238798416148 | 33589 | 44685 | 0.33823485370309364 | 33391 | 0 | 0 | 35351 | 0 | 0 | 37823 | 86709 | 0.2945506121230218 | 66980 | 140154
Autres dépenses d'exploitation | 384422 | 0.03794884533449255 | 370367 | 361692 | 0.015706306392323482 | 356099 | 0 | 0 | 346496 | 0 | 0 | 433233 | 746114 | 0.027046000776361177 | 726466 | 1506195
814737 | 0.14787419746146335 | 709779 | 808981 | 0.10904544451283794 | 729439 | 0 | 0 | 719897 | 0 | 0 | 1028134 | 1623718 | 0.12819461679884492 | 1439218 | 3187249
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 143909 | -0.5873683546517796 | 348759 | 186087 | -0.19217645730955565 | 230356 | 0 | 0 | 255544 | 0 | 0 | 210384 | 329996 | -0.43017190022707064 | 579115 | 1045043
Impôts sur le revenu | 8239 | -0.8942321270395522 | 77897 | 13228 | -0.7556704839305505 | 54140 | 0 | 0 | 60807 | 0 | 0 | 13197 | 21467 | -0.8374167846891402 | 132037 | 206041
BÉNÉFICE NET | 135670 | -0.4991176318568127 | 270862 | 172859 | -0.019050483497525764 | 176216 | 0 | 0 | 194737 | 0 | 0 | 197187 | 308529 | -0.30989894380846295 | 447078 | 839002
[CAPITALBKVARAN ]
CAPITAL BANK (CAPITALBK)
RÉSULTATS
ANALYSE DES VARIATIONS ANNUELLES
(En milliers de gourdes)
CUMUL (Octobre-Mars) | ANNÉE
2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 909863 | -0.13128457482866543 | 1047366 | 2029199 | -0.12107184933642884 | 2308720 | 0.1772402529359364 | 1961129 | 0.21573583134805138 | 1613121
Intérêts sur Bons B.R.H. | 33947 | 1.3286459047880368 | 14578 | 33433 | 0.14394717032779034 | 29226 | 2.3975819576842596 | 8602 | 0.3254237288135593 | 6490
Autres | 179867 | -0.08850566557882147 | 197332 | 408334 | 0.48427339180755125 | 275107 | 1.5391757810697309 | 108345 | 0.7058443807664452 | 63514
1123677 | -0.10768012731124868 | 1259276 | 2470966 | -0.05437585843073217 | 2613053 | 0.25743861148485425 | 2078076 | 0.23465339769773486 | 1683125
Dépenses d'intérêt | 270604 | 0.015205345318531913 | 266551 | 540176 | 0.1639541723857811 | 464087 | 0.11288110231311178 | 417014 | 0.15825317953432563 | 360037
853073 | -0.14067541363418873 | 992725 | 1930790 | -0.10152603624254641 | 2148966 | 0.293730155767816 | 1661062 | 0.2554433265209873 | 1323088
AUTRES REVENUS
Commissions | 609463 | 0.04098964071293758 | 585465 | 1181858 | 0.020535785216168886 | 1158076 | 0.24118979204468846 | 933037 | 0.275442217787134 | 731540
Gains sur change | 264552 | -0.19296661460367043 | 327808 | 588094 | -0.3048443892296472 | 845989 | 0.013057353443062683 | 835085 | 0.3146431618751358 | 635218
Autres | 248278 | 0.09834194507361269 | 226048 | 706481 | -0.039565787774356466 | 735585 | 0.16952960293056135 | 628958 | 0.35928905947773015 | 462711
1122293 | -0.014945744000154478 | 1139321 | 2476433 | -0.09607687113317395 | 2739650 | 0.1429113755068667 | 2397080 | 0.31025997160924834 | 1829469
PRODUIT NET BANCAIRE | 1975366 | -0.07348809547261176 | 2132046 | 4407223 | -0.09847224654176151 | 4888616 | 0.2046438986117292 | 4058142 | 0.2872541241918861 | 3152557
Dotation à la provisions pour créances douteuses | 21652 | -0.8095908119564166 | 113713 | 174931 | -0.30374058683988475 | 251244 | 0.32872872661117164 | 189086 | 0.9997884784195108 | 94553
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 1953714 | -0.03201602510586707 | 2018333 | 4232292 | -0.08735119804923996 | 4637372 | 0.19857970523042312 | 3869056 | 0.26522267465967997 | 3058004
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 611998 | 0.0820294129087238 | 565602 | 1169432 | 0.08447126749095603 | 1078343 | 0.2510389137289752 | 861958 | 0.20812256734350057 | 713469
Frais de locaux | 178897 | 1.2314706249220406 | 80170 | 371468 | 0.09071156341940372 | 340574 | 0.1562754630887066 | 294544 | 0.1443223670919517 | 257396
Amortissement | 86709 | 0.2945506121230218 | 66980 | 140154 | 0.22616204299099762 | 114303 | 0.18800798220633172 | 96214 | 0.006991396814100014 | 95546
Autres dépenses d'exploitation | 746114 | 0.027046000776361177 | 726466 | 1506195 | -0.018682363978708295 | 1534870 | 0.37864597414752493 | 1113317 | 0.3280999859235242 | 838278
1623718 | 0.12819461679884492 | 1439218 | 3187249 | 0.03883816967559622 | 3068090 | 0.296723249422134 | 2366033 | 0.2422148707741789 | 1904689
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 329996 | -0.43017190022707064 | 579115 | 1045043 | -0.3340629663757056 | 1569282 | 0.0440838230685758 | 1503023 | 0.30321984887043 | 1153315
Impôts sur le revenu | 21467 | -0.8374167846891402 | 132037 | 206041 | -0.43959887615695725 | 367667 | 0.2062723920261421 | 304796 | 1.3806607826290713 | 128030
BÉNÉFICE NET | 308529 | -0.30989894380846295 | 447078 | 839002 | -0.3017713660365425 | 1201615 | 0.0028275109808074766 | 1198227 | 0.16867700200432076 | 1025285
[cbnainfin]
CITIBANK N.A. (CBNA)
INDIfATEURS FINANfIERS
Var.mars 25 | 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 | 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 | 0 | 13861 | -0.856610839272968 | 96667 | 0 | 96667 | -0.4462882346202314 | 174580
Dépôts | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1939482 | -0.5521170201268633 | 4330332 | 0.05926694562634569 | 4088046 | -0.10085488207430972 | 4546592
Avoir des Actionnaires | 581966 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 - mars. 25) | (oct. 23- mars. 24)
Résultats
Revenus nets d'intérêt | 5961 | -0.6925893455726884 | 19391 | 0 | 0 | 20380 | 0 | 0 | 20239 | 0 | 0 | 12377 | 5961 | -0.8501169193633552 | 39771
Autres revenus | 36203 | -0.5236635395971212 | 76003 | 0 | 0 | 71640 | 0 | 0 | 68602 | 0 | 0 | 58932 | 36203 | -0.7547936576742548 | 147643
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 | -0.1978578883130207 | 113066
Bénéfice (perte) net | -48531 | -3.080197171024432 | 23330 | 0 | 0 | 27925 | 0 | 0 | 25966 | 0 | 0 | 12913 | -48531 | -1.9468539654667838 | 51255
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 - mars. 25) | (oct. 23- mars. 24) | 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 | 0.07684979004426276 | 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 | 0 | 0.776556554760289 | 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 | -0.06298471714403353 | 0.015108641167045623 | 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 | -0.3075358351393483 | 0.17813575226775102 | 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 | 0.976790450928382 | 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 | 0.02712646995166294 | 0.24653708090661755 | 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 | 0.02712646995166294 | 0.24653708090661755 | 0.33978720324261724 | 0.24691983820745445 | 0.20038562638480795 | 0.21806725986208111
Rémunération moyenne des dépôts | 0 | 0.0006692371528317625 | 0 | 0.00018128289431089544 | 0 | 0 | 0 | 0 | 0 | 0.00036629379960531356 | 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 | 0.6032953781467767 | 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 | 15332.363636363636 | 24988.533333333333 | 24826 | 26287.17948717949 | 13348.217391304348 | 14206.88
[cbnavar]
CITIBANK N.A. (CBNA)
BILAN
ANALYSE DES VARIATIONS
(En milliers de gourdes)
Var.mars 25 | 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 | 2402006 | -0.5030048269656244 | 4833057 | 0.2199600065831123 | 3961652 | -0.04769949467390818 | 4160086
Avoirs à l'étranger | 20768 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 0 | 7881 | -0.9371696443519648 | 125433 | 0.8844819038175508 | 66561
950618 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 0 | 13861 | -0.856610839272968 | 96667 | 0 | 96667 | -0.4462882346202314 | 174580
Immobilisations | 232160 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 240556 | -0.07827652930245033 | 260985 | -0.014641531659763727 | 264863 | -0.03324086578822499 | 273970
Autres actifs | -19886 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9682 | -0.7985015608740895 | 48050 | 0.7206187781995274 | 27926 | -0.144738453999755 | 32652
1162892 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3082081 | -0.4737907920930693 | 5857140 | 0.03589703319955601 | 5654172 | -0.0609448825959384 | 6021129
PASSIF
Dépôts
À vue | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 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
Banques à l'étranger | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 482910 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 399360 | -0.5326356884893282 | 854494 | -0.15584604183358047 | 1012249 | 0.11901537604370603 | 904589
482910 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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
Autres | 98013 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 112015 | -0.018307859496599594 | 114104 | 0.3796505652620761 | 82705 | -0.09466574715663416 | 91353
98013 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 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 | 423855 | 0.07281977296024907 | 395085 | 0.28254779303158284 | 308047 | -0.02352997115415095 | 315470
581966 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 631224 | 0.13080023647014563 | 558210 | 0.18472659665684718 | 471172 | -0.0155099823441532 | 478595
1162892 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3082081 | -0.4737907920930693 | 5857140 | 0.03589703319955601 | 5654172 | -0.0609448825959384 | 6021129
Hors-bilan
Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0 | 0 | 0 | 0 | 0 | 0 | 117292.29325 | 15890.1345 | 523955.56958
Portefeuille brut | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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)
Mars 25 | Septembre 24
ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total
Disponibilités
Encaisse | 0 | 0 | 0 | 0 | 63 | 0 | 63 | 1
Avoirs à la BRH | 0 | 0 | 0 | 0 | 1251271 | 1150735 | 2402006 | 0.5209275080911538
Avoirs à l'étranger | 0 | 0 | 0 | 0 | 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!
0 | 0 | 0 | 0 | 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 | 0 | 0 | 0 | 0 | 240556 | 240556 | 0
Autres actifs | 0 | 0 | 0 | 0 | 362 | 9320 | 9682 | 0.03738896922123528
0 | 0 | 0 | 0 | 1667609 | 1414472 | 3082081 | 0.5410659226671849
PASSIF
Dépôts
À vue | 0 | 0 | 0 | 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 | 0 | 0 | 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 | 0 | 0 | 0 | 0 | 273780 | 125580 | 399360 | 0.685546875
0 | 0 | 0 | 0 | 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 | 0 | 0 | 0 | 0 | 57131 | 54884 | 112015 | 0.5100299067089229
0 | 0 | 0 | 0 | 57131 | 54884 | 112015 | 0.5100299067089229
Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0 | 0 | 0 | 1667396 | 783461 | 2450857 | 0.6803318186250769
AVOIR DES ACTIONNAIRES
Capital versé | 0 | 0 | 0 | 0 | 0 | 133333 | 133333 | 0
Réserves | 0 | 0 | 0 | 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 | 0 | 0 | 0 | 0 | 423855 | 423855 | 0
0 | 0 | 0 | 0 | 0 | 631224 | 631224 | 0
0 | 0
0 | 0 | 0 | 0 | 1667396 | 1414685 | 3082081 | 0.5409968135165818
*Converties au taux de 130.5296 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 | 0 | 0 | 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 | 0.1972407231208373 | 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- mars 25) | 2024 (oct23.- mars 24) | 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 | -0.9921114467942262 | 11916 | 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 | -0.7962847222222222 | 28800 | 54554
5961 | -0.7035065904003979 | 20105 | 0 | 0 | 20611 | 0 | 0 | 20239 | 0 | 0 | 12377 | 5961 | -0.8535956380783967 | 40716 | 73332
Dépenses d'intérêt | 0 | -1 | 714 | 0 | 0 | 231 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 945 | 945
5961 | -0.6925893455726884 | 19391 | 0 | 0 | 20380 | 0 | 0 | 20239 | 0 | 0 | 12377 | 5961 | -0.8501169193633552 | 39771 | 72387
AUTRES REVENUS
Commissions | 2626 | -0.8760443710172292 | 21185 | 0 | 0 | 12543 | 0 | 0 | 20318 | 0 | 0 | 12319 | 2626 | -0.9221418406072106 | 33728 | 66365
Gains sur change | 5719 | -0.7398325903011554 | 21982 | 0 | 0 | 16360 | 0 | 0 | 13163 | 0 | 0 | 9848 | 5719 | -0.8508424182358771 | 38342 | 61353
Autres | 27858 | -0.1516019003532708 | 32836 | 0 | 0 | 42737 | 0 | 0 | 35121 | 0 | 0 | 36765 | 27858 | -0.6313762851812155 | 75573 | 147459
36203 | -0.5236635395971212 | 76003 | 0 | 0 | 71640 | 0 | 0 | 68602 | 0 | 0 | 58932 | 36203 | -0.7547936576742548 | 147643 | 275177
PRODUIT NET BANCAIRE | 42164 | -0.5580015514602595 | 95394 | 0 | 0 | 92020 | 0 | 0 | 88841 | 0 | 0 | 71309 | 42164 | -0.775022143489814 | 187414 | 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 | -0.775022143489814 | 187414 | 347564
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 16745 | -0.07209353873434556 | 18046 | 0 | 0 | 22999 | 0 | 0 | 20197 | 0 | 0 | 18553 | 16745 | -0.5920331343647216 | 41045 | 79795
Frais de locaux | 658 | 2.3917525773195876 | 194 | 0 | 0 | 189 | 0 | 0 | 159 | 0 | 0 | 820 | 658 | 0.7180156657963447 | 383 | 1362
Amortissement | 8397 | 1.1076807228915662 | 3984 | 0 | 0 | 3130 | 0 | 0 | 2598 | 0 | 0 | 4390 | 8397 | 0.1803486083778465 | 7114 | 14102
Autres dépenses d'exploitation | 64895 | 0.6500127129417748 | 39330 | 0 | 0 | 25194 | 0 | 0 | 28222 | 0 | 0 | 28814 | 64895 | 0.005749798524580001 | 64524 | 121560
90695 | 0.473421711017968 | 61554 | 0 | 0 | 51512 | 0 | 0 | 51176 | 0 | 0 | 52577 | 90695 | -0.1978578883130207 | 113066 | 216819
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -48531 | -2.4341312056737587 | 33840 | 0 | 0 | 40508 | 0 | 0 | 37665 | 0 | 0 | 18732 | -48531 | -1.6527546134395008 | 74348 | 130745
Impôts sur le revenu | 0 | -1 | 10510 | 0 | 0 | 12583 | 0 | 0 | 11699 | 0 | 0 | 5819 | 0 | 0 | 23093 | 40611
BÉNÉFICE NET | -48531 | -3.080197171024432 | 23330 | 0 | 0 | 27925 | 0 | 0 | 25966 | 0 | 0 | 12913 | -48531 | -1.9468539654667838 | 51255 | 90134
[CBNAVARAN ]
CITIBANK N.A. (CBNA)
RÉSULTATS
ANALYSE DES VARIATIONS ANNUELLES
(En milliers de gourdes)
CUMUL (Octobre-Mars) | ANNÉE
2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 94 | -0.9921114467942262 | 11916 | 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 | -0.7962847222222222 | 28800 | 54554 | -0.13794956071044814 | 63284 | 8.087306145893164 | 6964 | 7.023041474654378 | 868
5961 | -0.8535956380783967 | 40716 | 73332 | -0.15858318130184848 | 87153 | 1.5527371781728714 | 34141 | -0.4096929248219102 | 57836
Dépenses d'intérêt | 0 | 0 | 945 | 945 | -0.7501982553528945 | 3783 | 0.20019035532994925 | 3152 | 0.5132021123379741 | 2083
5961 | -0.8501169193633552 | 39771 | 72387 | -0.13173803526448363 | 83370 | 1.6903094646487464 | 30989 | -0.4441734077090022 | 55753
AUTRES REVENUS
Commissions | 2626 | -0.9221418406072106 | 33728 | 66365 | -0.13510660480633896 | 76732 | 0.1173044440561477 | 68676 | 0.1163380419057527 | 61519
Gains sur change | 5719 | -0.8508424182358771 | 38342 | 61353 | -0.3167589117676537 | 89797 | -0.45779997101729303 | 165616 | -0.20304507461106486 | 207811
Autres | 27858 | -0.6313762851812155 | 75573 | 147459 | 0.09593388380614042 | 134551 | 2.224477569018405 | 41728 | 0.38681910332679714 | 30089
36203 | -0.7547936576742548 | 147643 | 275177 | -0.08603361232894911 | 301080 | 0.09079052242591117 | 276020 | -0.07814801331912805 | 299419
PRODUIT NET BANCAIRE | 42164 | -0.775022143489814 | 187414 | 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 | -0.775022143489814 | 187414 | 347564 | -0.09594485628820393 | 384450 | 0.252243419574019 | 307009 | -0.13560472109287894 | 355172
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 16745 | -0.5920331343647216 | 41045 | 79795 | -0.15748073065146237 | 94710 | -0.3218142239280497 | 139652 | 0.18516884064735686 | 117833
Frais de locaux | 658 | 0.7180156657963447 | 383 | 1362 | -0.7796829505014559 | 6182 | -0.507410358565737 | 12550 | -0.4064229295748002 | 21143
Amortissement | 8397 | 0.1803486083778465 | 7114 | 14102 | -0.2928492628623007 | 19942 | -0.09817754262198707 | 22113 | -0.056169704212727815 | 23429
Autres dépenses d'exploitation | 64895 | 0.005749798524580001 | 64524 | 121560 | -0.11722967771298427 | 137702.86215 | 0.048860118710845814 | 131288.10953289998 | 0.03365977430887121 | 127012.88450610574
90695 | -0.1978578883130207 | 113066 | 216819 | -0.16136136952801647 | 258536.86215 | -0.15401102251491658 | 305603.1095329 | 0.05592337548322032 | 289417.88450610574
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -48531 | -1.6527546134395008 | 74348 | 130745 | 0.03837456704284652 | 125913.13785 | 88.56112926046471 | 1405.89046710002 | -0.9786189737852901 | 65754.11549389426
Impôts sur le revenu | 0 | 0 | 23093 | 40611 | 0.12464691221268347 | 36110 | 9.16045197740113 | -4425 | -1.216688702805935 | 20421
BÉNÉFICE NET | -48531 | -1.9468539654667838 | 51255 | 90134 | 0.003684305002266698 | 89803.13785 | 14.401273331526562 | 5830.89046710002 | -0.8713767980961873 | 45333.11549389426
[scotiainfin]
SCOTIA BANK (SCOTIA)
INDICATEURS FINANCIERS
Var.mars 25 | 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 - mars. 25) | (oct. 23- mars. 24)
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 - mars. 25) | (oct. 23- mars. 24) | 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.mars 25 | 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)
Mars 25 | 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 130.5296 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- mars 25) | 2024 (oct23.- mars 24) | 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-Mars) | 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.mars 25 | 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 | 0.008713083040091983 | 177120259.57482997 | 0 | 0 | 0 | 0 | 0.04872378246403717 | 168891239.55850002 | 0.013082441273120924 | 166710262.341787 | 0.06202066338369159 | 156974593.89408997 | 0.1485376622745154 | 136673440.5411
Bons B.R.H. | 2250000 | 0.3333333333333333 | 3000000 | 0 | 0 | 0 | 0 | 0.2 | 2500000 | 0.25 | 2000000 | 0 | 0 | 0 | 4950000
Prêts nets | 28611827.434189998 | -0.056387071693719454 | 26998490.269369997 | 0 | 0 | 0 | 0 | -0.05107520134478588 | 28451664.77642 | -0.19078982727626773 | 35159796.225317 | -0.12030655994000224 | 39968237.37019 | 0.1329775017952737 | 35277167.734450005
Dépôts | 146795354.49559367 | 0.005753499271784135 | 147639941.46078536 | 0 | 0 | 0 | 0 | 0.04869424386828056 | 140784544.51718095 | 0.012398050291787057 | 139060465.8677532 | 0.07521841674094484 | 129332295.37609139 | 0.16153231073178817 | 111346274.38354212
Avoir des Actionnaires | 12798083.616810001 | -0.006379700050775634 | 12716435.682110008 | 0 | 0 | 0 | 0 | 0.06878422921461735 | 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 - mars. 25) | (oct. 23- mars. 24)
Résultats
Revenus nets d'intérêt | 1116696.38623 | -0.09262793480647019 | 1230692.93079 | 1089103.88862 | 0.06805651041451437 | 1019706.2402600001 | 0 | 0 | 1068832.2478999998 | 0 | 0 | 1117214.65104 | 2205800.27485 | -0.019818215707567435 | 2250399.17105
Autres revenus | 897267.68917 | -0.08073392963900805 | 976069.6256500001 | 1012227.54895 | 0.20082146472894535 | 842945.91551 | 0 | 0 | 826192.3062400002 | 0 | 0 | 1082735.8885099995 | 1909495.2381199999 | 0.04974102469861254 | 1819015.5411600003
Dot. à la prov. pr créances douteuses | 162139.35283 | -0.5400188681535305 | 352491.31236999994 | 170392.9889 | -0.38508740385580076 | 277101.15221 | 0 | 0 | 244590.14625999998 | 0 | 0 | 186906.46989 | 332532.34173 | -0.471829222174964 | 629592.4645799999
Dépenses d'exploitation | 1416827.27834 | 0.004011918518324197 | 1411165.79615 | 1371512.2740299997 | -0.02740913371033935 | 1410163.6377299998 | 0 | 0 | 1434927.8887 | 0 | 0 | 1571591.86773 | 2788339.5523699997 | -0.011693027093483112 | 2821329.43388
Bénéfice (perte) net | 347873.64423000003 | 0.15474640087630817 | 301255.44791999995 | 446718.17464000033 | 2.5015472512205847 | 127577.36583000026 | 0 | 0 | 150206.51918000006 | 0 | 0 | 344972.2019299993 | 794591.8188700003 | 0.8529174853051904 | 428832.81375000067
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 - mars. 25) | (oct. 23- mars. 24) | 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 | 0.07179548919268354 | 0.06921450682279763 | 0 | 0.06846322756429728 | 0 | 0.07044793039782742 | 0.07179548919268354 | 0.06921450682279763 | 0.07044793039782742 | 0.0665618817170956 | 0.06164616052046577 | 0.07148661419540324
Dépôts en % de l'actif | 0.8360104878157932 | 0.8318409554575467 | 0.8335576168146381 | 0.8270628181029849 | 0 | 0.8375268289928978 | 0 | 0.833581095651894 | 0.8335576168146381 | 0.8270628181029849 | 0.833581095651894 | 0.8341446046233999 | 0.823905908387642 | 0.8146884569724315
Qualité de l'actif
Prêts improductifs bruts
en % des prêts bruts | 0.046094988796859554 | 0.048181371973337564 | 0.14147773268616623 | 0.13476287498162143 | 0 | 0.11771849430108207 | 0 | 0.04302645831229958 | 0.14147773268616623 | 0.13476287498162143 | 0.04302645831229958 | 0.06593237986314099 | 0.04079652422411654 | 0.022182784323064426
Provisions pour créances douteuses
en % des prêts improductifs bruts | 1.7146754948367653 | 1.64103728277309 | 0.6236273722992238 | 0.619781888938913 | 0 | 0.7729552091207751 | 0 | 1.764311866663446 | 0.6236273722992238 | 0.619781888938913 | 1.764311866663446 | 1.1536180332051817 | 1.623604489028084 | 2.3057497200171206
Prêts improductifs nets
en % de l'avoir des actionnaires | -0.07996897376773829 | -0.09061139405089161 | 0.12399227035829077 | 0.15623174578369547 | 0 | 0.0776001601182172 | 0 | -0.08509915239870834 | 0.12399227035829077 | 0.15623174578369547 | -0.08509915239870834 | -0.034734093928777805 | -0.11253186734818964 | -0.11022049368770048
Rentabilité
ROA (rendement de l'actif) | 0.008078775261767104 | 0.007368236984169129 | 0.01013223174586759 | 0.0031312602546621454 | 0 | 0.003621005039842232 | 0 | 0.008233782691649835 | 0.0091857273051358 | 0.005162304989482022 | 0.005506599521324792 | 0.008059505370615635 | 0.010610589707617024 | 0.014460481781901971
0 | 0
ROE (rendement avoir des action.) | 0.11268931876953858 | 0.10603009777673048 | 0.14006712629977996 | 0.044195852881699395 | 0 | 0.05260179076656699 | 0 | 0.11853430020673153 | 0.12912594756979331 | 0.07604637611346038 | 0.08036774330939671 | 0.12558060298029225 | 0.16021732726987387 | 0.18970505628022494
Revenus nets d'intérêt
en % des revenus d'intérêt | 0.818201502633546 | 0.8371068280672302 | 0.8107059294775598 | 0.805794111332723 | 0 | 0.8093266884227364 | 0 | 0.8225628084975517 | 0.8144833532670835 | 0.8226220277522881 | 0.8193643220552945 | 0.8541600717358953 | 0.8647163500819798 | 0.8423585141703387
Rendement moyen des prêts | 0.0913683387912954 | 0.12025978304320542 | 0.08607083234465929 | 0.09393442409360393 | 0 | 0.09708990680506772 | 0 | 0.10192499441125309 | 0.09001941934650268 | 0.1039018169091556 | 0.10268870381728357 | 0.12657315104814376 | 0.11372415049100124 | 0.11293254586404694
Rendement moyen des prêts productifs | 0.09563035708041806 | 0.1276019390658602 | 0.0948587119820368 | 0.10344991392152253 | 0 | 0.11114755187894551 | 0 | 0.11099280632616496 | 0.09906310257445453 | 0.11530299949178942 | 0.10874447708593747 | 0.1336042442954118 | 0.11750112390798706 | 0.11560786424484201
Rémunération moyenne des dépôts | 0.006902343800572187 | 0.007031492371630715 | 0.006909443754940971 | 0.007272565702928248 | 0 | 0.007293447429458357 | 0 | 0.0068843188218471706 | 0.006967784715592858 | 0.00703257444754252 | 0.006989950791366009 | 0.006881152859044764 | 0.006267652596267851 | 0.007707438933025915
0 | 0 | 0
Dépenses d'exploitation
en % du produit net bancaire | 0.7035017633363689 | 0.6394733280351309 | 0.6526872674669684 | 0.7570729904462777 | 0 | 0.7572080718242719 | 0 | 0.7143760004947519 | 0.6775551217602988 | 0.6933010355063577 | 0.7138131971722493 | 0.6065682084627226 | 0.5359345416190119 | 0.555873771274293
(revenus nets d'int.+autres revenus)
Productivité par employé ('000 gdes) | 7411.091353817847 | 8046.536213090246 | 7441.63413039398 | 6596.377709676848 | 0 | 6646.293920701447 | 0 | 8010.7438854801985 | 7717.3849282137835 | 7167.617282624396 | 7466.291546319158 | 10872.419978493872 | 7090.885999235667 | 5891.257228819139
[sogebkvar]
SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK)
BILAN
ANALYSE DES VARIATIONS
-0.7841183823503296
Var.mars 25 | 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 | -0.0489429573558353 | 3381014.32856 | 0 | 0 | 0 | 0 | -0.3632865154254109 | 5310103.22613 | 0.16195542583776648 | 4569971.5394 | -0.11146491787137973 | 5143265.169060001 | -0.04916342330314842 | 5409199.95624
Avoirs à la BRH | 71287852.18024 | 0.046320251355044764 | 74589923.41179 | 0 | 0 | 0 | 0 | 0.1279936791191916 | 66126189.17336 | -0.014817820840273378 | 67120772.75876 | 0.1601690088360362 | 57854305.92229 | 0.17796304026973528 | 49113854.972090006
Avoirs à l'étranger | 5127042.751189999 | 0.36058160032913883 | 6975760.03137 | 0 | 0 | 0 | 0 | -0.04602124100680831 | 7312280.24273 | 0.02336693093433904 | 7145316.13412 | 0.0888848924278543 | 6562049.10529 | -0.35967627614453973 | 10248018.089629998
Avoirs dans les banques locales | 6914.36 | 1.446265453377938e-06 | 6914.37 | 0 | 0 | 0 | 0 | 1.446265453377938e-06 | 6914.36 | -0.8757545487657772 | 55650.81 | 3.6235293091351384 | 12036.435 | 2.765639933862785 | 3196.385
Autres liquidités | 185512.42792000002 | 0.13621938337682424 | 210782.81645999997 | 0 | 0 | 0 | 0 | -0.3076930663865366 | 304464.40187999996 | -0.7321223229098978 | 1136579.96884 | 1.6127093511605382 | 435019.67348 | 2.1510066019616536 | 138057.36656
80162328.59797001 | 0.06239921478948475 | 85164394.95818 | 0 | 0 | 0 | 0 | 0.07721284222498803 | 79059951.4041 | -0.01209996855318906 | 80028291.21112001 | 0.1431522739677196 | 70006676.30512 | 0.07848046417575176 | 64912326.76952
Bons B.R.H. | 2250000 | 0.3333333333333333 | 3000000 | 0 | 0 | 0 | 0 | 0.2 | 2500000 | 0.25 | 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 | -0.014843350602875614 | 51698528.459489994 | 0 | 0 | 0 | 0 | 0.08476216909852505 | 47658860.10059999 | 0.2210411566515723 | 39031329.81307 | 0.3405770391772633 | 29115320.248230003 | 0.3220581945914348 | 22022722.121720005
Portefeuille net | 28611827.434189998 | -0.056387071693719454 | 26998490.269369997 | 0 | 0 | 0 | 0 | -0.05107520134478588 | 28451664.77642 | -0.19078982727626773 | 35159796.225317 | -0.12030655994000224 | 39968237.37019 | 0.1329775017952737 | 35277167.734450005
Immobilisations | 6308850.322959999 | -0.006193553625419468 | 6269776.120170001 | 0 | 0 | 0 | 0 | -0.01057630850880227 | 6336796.02994 | 0.0027997319192920715 | 6319104.23212 | 0.5505054763234207 | 4075512.3594299997 | -0.0050411459993011404 | 4096161.708640001
Autres actifs | 5779850.179429999 | -0.3098316316542661 | 3989069.7676199996 | 0 | 0 | 0 | 0 | -0.1832316709922806 | 4883967.24744 | 0.17072642121224285 | 4171740.8601599997 | -0.44809829820846586 | 7558847.611119999 | 0.39589303363307704 | 5415062.206769999
175590326.47918 | 0.008713083040091983 | 177120259.57482997 | 0 | 0 | 0 | 0 | 0.04872378246403717 | 168891239.55850002 | 0.013082441273120924 | 166710262.341787 | 0.06202066338369159 | 156974593.89408997 | 0.1485376622745154 | 136673440.5411
PASSIF
Dépôts
À vue | 73065587.84793796 | -0.01708202631775299 | 71817479.55339739 | 0 | 0 | 0 | 0 | 0.04055104407744155 | 69018699.23841283 | 0.03241622552923189 | 66851621.98321013 | 0.08647774222137691 | 61530595.04608671 | 0.14679247474448834 | 53654515.87899203
Épargne | 48666148.36821614 | 0.04000491147861075 | 50613033.325691566 | 0 | 0 | 0 | 0 | 0.0756797902436289 | 47052137.43415994 | 0.02072080721671632 | 46096970.985103056 | 0.069010465830524 | 43121159.669180505 | 0.19570708622336286 | 36063313.63760547
À terme | 25063618.27943958 | 0.005817607842218454 | 25209428.581696417 | 0 | 0 | 0 | 0 | 0.020058533515293173 | 24713707.84460818 | -0.05354518460687706 | 26111872.899440005 | 0.057994363182156485 | 24680540.660824187 | 0.14111489811938238 | 21628444.86694462
146795354.49559367 | 0.005753499271784135 | 147639941.46078536 | 0 | 0 | 0 | 0 | 0.04869424386828056 | 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 | -0.03489567526414809 | 10422817.913679998 | 0 | 0 | 0 | 0 | -0.021616400288342958 | 10653099.57848 | 0.04731050199171946 | 10171863.605129998 | 0.23526255220300799 | 8234576.19353 | 0.4562918260385519 | 5654482.18983
10799680.041359998 | -0.03489567526414809 | 10422817.913679998 | 0 | 0 | 0 | 0 | -0.021616400288342958 | 10653099.57848 | 0.04731050199171946 | 10171863.605129998 | 0.23526255220300799 | 8234576.19353 | 0.4562918260385519 | 5654482.18983
Obligations à terme
Banques locales | 2073134.0531 | -0.040293909795697455 | 1989599.3765699998 | 0 | 0 | 0 | 0 | -0.07231793518702377 | 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 | 0 | 0.6 | 0.21369042802815752 | 0.49436 | -0.9992275395675808 | 639.981
Autres | 221756.84806 | 1.8172954443822267 | 624754.5577999996 | 0 | 0 | 0 | 0 | 1.8875316909843114 | 216362.8401900002 | -0.736668413801826 | 821636.49 | -0.29662051672247025 | 1168126.89243 | 0.08539296864931611 | 1076224.85696
2294890.90116 | 0.13920619627212796 | 2614353.9343699994 | 0 | 0 | 0 | 0 | 0.10727859718199038 | 2361062.4652400003 | -0.28838435745065233 | 3317890.0575900003 | -0.42500199867471017 | 5770263.6356 | -0.06999828127793026 | 6204573.08781
Autres passifs | 2902317.4217700004 | 0.28404651779860673 | 3726710.578969999 | 0 | 0 | 0 | 0 | 0.16660408484760553 | 3194494.71108 | 0.0427618460306377 | 3063494.0501900003 | -0.22650322736233205 | 3960577.67603 | 0.0710663277129354 | 3697789.3651900003
162792242.85988367 | 0.009899618062936665 | 164403823.88780534 | 0 | 0 | 0 | 0 | 0.047203462033912916 | 156993201.27198094 | 0.008864820841144391 | 155613713.5806632 | 0.05645709316692521 | 147297712.8812514 | 0.1607099495374973 | 126903119.02637212
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 0 | 3000000 | 0 | 0 | 0 | 0 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000
Réserves | 3272255.1226 | 0.07091428764136921 | 3504304.7636 | 0 | 0 | 0 | 0 | 0.07091428764136921 | 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 | 0
Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BNR | 6525828.494210002 | -0.04807015323469217 | 6212130.918510007 | 0 | 0 | 0 | 0 | 0.10422508911630914 | 5625783.166620005 | -0.006703248636187028 | 5663748.682250003 | 0.2461001848213346 | 4545179.232969996 | -0.0877702705244162 | 4982494.086860002
12798083.616810001 | -0.006379700050775634 | 12716435.682110008 | 0 | 0 | 0 | 0 | 0.06878422921461735 | 11898038.289220005 | 0.07222872113814521 | 11096548.763020003 | 0.14670716197788877 | 9676881.012829997 | -0.009563707985374472 | 9770321.51472
175590326.47669366 | 0.00871308302638622 | 177120259.56991535 | 0 | 0 | 0 | 0 | 0.04872378241816661 | 168891239.56120095 | 0.013082441277799192 | 166710262.3436832 | 0.06202066339582934 | 156974593.89408138 | 0.1485376622745187 | 136673440.54109213
Hors-bilan
Effets à l'encaissement | 11571.379989230014 | -0.7841183823503296 | 2498.0482305140004 | 0 | 0 | -0.04062858516314242 | 2603.8385049639996 | 14643.749763997997 | 68846.26846022 | 52302.66995
Crédit documentaire | 1637415.693598201 | 0.001521507113026535 | 1639907.033222992 | 0 | 0 | -0.009003399827445002 | 1654805.912489959 | 2652074.614870218 | 2379243.015726165 | 1998847.9257
Autres | 8279934.04486149 | 0.0711963804947429 | 8869435.379590824 | 0 | 0 | -0.1060240193290056 | 9921335.216337316 | 10656889.848709445 | 10341156.048350725 | 9109167.89706
Portefeuille brut | 31067325.04722 | -0.04687463457914642 | 29611055.53828 | 0 | 0 | 0 | 0 | -0.038255982163271626 | 30788915.750040002 | -0.19092003414663733 | 38054230.792337 | -0.11095362048337364 | 42803425.86067 | 0.15128625785624233 | 37178786.39529
Provisions pour créances douteuses | 2455497.61303 | 0.06396571311921735 | 2612565.26891 | 0 | 0 | 0 | 0 | 0.11779406593361484 | 2337250.9736200003 | -0.19250170646409007 | 2894434.56702 | 0.02089669760544541 | 2835188.49048 | 0.4909343018476771 | 1901618.66084
Portefeuille de crédit improductif | 1432048 | 1.92539426052758 | 4189305 | 0 | 0 | 0 | 0 | 2.1623649355570684 | 1324738 | -0.47200684255039643 | 2509006 | 0.43681219724080034 | 1746231 | 1.1173391501935788 | 824729
[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 | 3381014.32856 | 0.019088806309769352 | 0 | 0 | 0 | 0 | 5310103.22613 | 0.03144096307192241 | 4569971.5394 | 0.027412658796197618 | 5143265.169060001 | 0.03276495285937888 | 5409199.95624 | 0.03957755021622773
Avoirs à la BRH | 71287852.18024 | 0.40598963285538797 | 74589923.41179 | 0.42112587002096824 | 0 | 0 | 0 | 0 | 66126189.17336 | 0.3915311969183305 | 67120772.75876 | 0.40261932178566157 | 57854305.92229 | 0.3685584048162853 | 49113854.972090006 | 0.35935185927598456
Avoirs à l'étranger | 5127042.751189999 | 0.029198890701976798 | 6975760.03137 | 0.03938431463523727 | 0 | 0 | 0 | 0 | 7312280.24273 | 0.0416439811312557 | 7145316.13412 | 0.04286068556158093 | 6562049.10529 | 0.04180325581678131 | 10248018.089629998 | 0.0749817817496754
Avoirs dans les banques locales | 6914.36 | 3.9377795682952075e-05 | 6914.37 | 3.903771379173487e-05 | 0 | 0 | 0 | 0 | 6914.36 | 4.093971965671449e-05 | 55650.81 | 0.0003338175419933387 | 12036.435 | 7.66775992306177e-05 | 3196.385 | 2.3387023750520083e-05
Autres liquidités | 185512.42792000002 | 0.0010565071074231215 | 210782.81645999997 | 0.001190054807767195 | 0 | 0 | 0 | 0 | 304464.40187999996 | 0.0018027246568614384 | 1136579.96884 | 0.006817696480554988 | 435019.67348 | 0.002771274399814697 | 138057.36656 | 0.0010101257860592441
80162328.59797001 | 0.45653043766892804 | 85164394.95818 | 0.48082808348753375 | 0 | 0 | 0 | 0 | 79059951.4041 | 0.4681116179309908 | 80028291.21112001 | 0.4800441801659885 | 70006676.30512 | 0.44597456549149084 | 64912326.76952 | 0.4749447040516974
Bons B.R.H. | 2250000 | 0.01281391774316671 | 3000000 | 0.01693764455405259 | 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 | 6250000 | 0 | 0 | 0
Autres Placements | 52477469.944630004 | 0.29886310366221874 | 51698528.459489994 | 0.29188376633813784 | 0 | 0 | 0 | 0 | 47658860.10059999 | 0.2821866914186041 | 39031329.81307 | 0.23412673739933612 | 29115320.248230003 | 0.18547791413860243 | 22022722.121720005 | 0.16113388259291975
Portefeuille net | 28611827.434189998 | 0.1629464903215072 | 26998490.269369997 | 0.1524302772262122 | 0 | 0 | 0 | 0 | 28451664.77642 | 0.16846145987675698 | 35159796.225317 | 0.21090361044020725 | 39968237.37019 | 0.2546159628682103 | 35277167.734450005 | 0.25811282422382253
Immobilisations | 6308850.322959999 | 0.03592937292993784 | 6269776.120170001 | 0.035398413118975465 | 0 | 0 | 0 | 0 | 6336796.02994 | 0.0375199805893134 | 6319104.23212 | 0.03790471050405201 | 4075512.3594299997 | 0.025962878822159776 | 4096161.708640001 | 0.029970429458883903
Autres actifs | 5779850.179429999 | 0.03291667767424149 | 3989069.7676199996 | 0.02252181527508824 | 0 | 0 | 0 | 0 | 4883967.24744 | 0.02781455758622955 | 4171740.8601599997 | 0.0250238995581877 | 7558847.611119999 | 0.04304820067645504 | 5415062.206769999 | 0.03962044260634237
175590326.47918 | 1 | 177120259.57482997 | 1 | 0 | 0 | 0 | 0 | 168891239.55850002 | 1 | 166710262.341787 | 1 | 156974593.89408997 | 1 | 136673440.5411 | 1
PASSIF
Dépôts
À vue | 73065587.84793796 | 0.41611397001759914 | 71817479.55339739 | 0.4054729804811282 | 0 | 0 | 0 | 0 | 69018699.23841283 | 0.40865766287721716 | 66851621.98321013 | 0.4010048394390496 | 61530595.04608671 | 0.3919780489293772 | 53654515.87899203 | 0.39257456069423535
Épargne | 48666148.36821614 | 0.2771573431409193 | 50613033.325691566 | 0.28575518942432737 | 0 | 0 | 0 | 0 | 47052137.43415994 | 0.27859430457825596 | 46096970.985103056 | 0.27650949820111076 | 43121159.669180505 | 0.27470152079688864 | 36063313.63760547 | 0.2638648262224776
À terme | 25063618.27943958 | 0.14273917465727481 | 25209428.581696417 | 0.14232944690918267 | 0 | 0 | 0 | 0 | 24713707.84460818 | 0.14632912819642088 | 26111872.899440005 | 0.15663026698323954 | 24680540.660824187 | 0.1572263386613762 | 21628444.86694462 | 0.15824907005571856
146795354.49559367 | 0.8360104878157932 | 147639941.46078536 | 0.8335576168146381 | 0 | 0 | 0 | 0 | 140784544.51718095 | 0.833581095651894 | 139060465.8677532 | 0.8341446046233999 | 129332295.37609139 | 0.823905908387642 | 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 | 10422817.913679998 | 0.058845995024507936 | 0 | 0 | 0 | 0 | 10653099.57848 | 0.06307668536466636 | 10171863.605129998 | 0.061015221632101976 | 8234576.19353 | 0.052458018773954146 | 5654482.18983 | 0.04137220931472492
10799680.041359998 | 0.061504982978891676 | 10422817.913679998 | 0.058845995024507936 | 0 | 0 | 0 | 0 | 10653099.57848 | 0.06307668536466636 | 10171863.605129998 | 0.061015221632101976 | 8234576.19353 | 0.052458018773954146 | 5654482.18983 | 0.04137220931472492
Obligations à terme | 0
Banques locales | 2073134.0531 | 0.011806652989769423 | 1989599.3765699998 | 0.011233042348435763 | 0 | 0 | 0 | 0 | 2144699.62505 | 0.012698702612737504 | 2496252.96759 | 0.014973601100046365 | 4602136.24881 | 0.029317713998451494 | 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 | 3.149299435891788e-09 | 639.981 | 4.682555714309006e-06
Autres | 221756.84806 | 0.0012629217822332259 | 624754.5577999996 | 0.003527290211180233 | 0 | 0 | 0 | 0 | 216362.8401900002 | 0.001281077933678479 | 821636.49 | 0.004928529764505394 | 1168126.89243 | 0.00744150287923745 | 1076224.85696 | 0.007874425731138019
2294890.90116 | 0.01306957477200265 | 2614353.9343699994 | 0.014760332559615995 | 0 | 0 | 0 | 0 | 2361062.4652400003 | 0.013979780546415984 | 3317890.0575900003 | 0.01990213446361034 | 5770263.6356 | 0.03675922002698838 | 6204573.08781 | 0.045397065174079536
0
Autres passifs | 2902317.4217700004 | 0.01652891409205354 | 3726710.578969999 | 0.02104056638080713 | 0 | 0 | 0 | 0 | 3194494.71108 | 0.018914508055188385 | 3063494.0501900003 | 0.01837615757516636 | 3960577.67603 | 0.02523069229089507 | 3697789.3651900003 | 0.027055654343303176
162792242.85988367 | 0.9271139596587411 | 164403823.88780534 | 0.9282045107795691 | 0 | 0 | 0 | 0 | 156993201.27198094 | 0.9295520696181647 | 155613713.5806632 | 0.9334381182942786 | 147297712.8812514 | 0.9383538394794796 | 126903119.02637212 | 0.9285133858045391
AVOIR DES ACTIONNAIRES | 0
Capital versé | 3000000 | 0.017085223657555614 | 3000000 | 0.01693764455405259 | 0 | 0 | 0 | 0 | 3000000 | 0.017762910662757432 | 3000000 | 0.01799529289834265 | 3000000 | 0.019111372901681696 | 3000000 | 0.021950131555354017
Réserves | 3272255.1226 | 0.018635736878067688 | 3504304.7636 | 0.019784889498310032 | 0 | 0 | 0 | 0 | 3272255.1226 | 0.019374925136164723 | 2432800.08077 | 0.014592983338855935 | 2131701.77986 | 0.013579915876694349 | 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 | 6212130.918510007 | 0.03507295514032091 | 0 | 0 | 0 | 0 | 5625783.166620005 | 0.03331009459890526 | 5663748.682250003 | 0.03397360547989701 | 4545179.232969996 | 0.028954871742089723 | 4982494.086860002 | 0.036455466893450174
12798083.616810001 | 0.07288604032709904 | 12716435.682110008 | 0.07179548919268354 | 0 | 0 | 0 | 0 | 11898038.289220005 | 0.07044793039782742 | 11096548.763020003 | 0.0665618817170956 | 9676881.012829997 | 0.06164616052046577 | 9770321.51472 | 0.07148661419540324
175590326.47669366 | 0.9999999999858401 | 177120259.56991535 | 0.9999999999722526 | 0 | 0 | 0 | 0 | 168891239.56120095 | 1.000000000015992 | 166710262.3436832 | 1.0000000000113742 | 156974593.89408138 | 0.9999999999999454 | 136673440.54109213 | 0.9999999999999424
[sogebkgdes&$ ]
SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK)
BILAN
DEVISES ET GOURDES
(En milliers de gourdes)
Mars 25 | Septembre 24
ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total
Disponibilités
Encaisse | 551413.44392 | 2829600.88464 | 3381014.32856 | 0.1630911289733727 | 1692358.63017 | 3617744.59596 | 5310103.22613 | 0.31870541081804726
Avoirs à la BRH | 47833267.55525 | 26756655.856540002 | 74589923.41179 | 0.641283237297027 | 44325819.45511 | 21800369.71825 | 66126189.17336 | 0.6703216986979702
Avoirs à l'étranger | 6975760.03137 | 0 | 6975760.03137 | 1 | 7312280.24273 | 0 | 7312280.24273 | 1
Avoirs dans les banques locales | 0 | 6914.37 | 6914.37 | 0 | 0 | 6914.36 | 6914.36 | 0
Autres liquidités | 166890.80174999998 | 43892.014709999996 | 210782.81645999997 | 0.7917666371142292 | 198628.05334999997 | 105836.34853 | 304464.40187999996 | 0.6523851462552467
55527331.832289994 | 29637063.125890005 | 85164394.95818 | 0.6520017180836746 | 53529086.38136 | 25530865.022739995 | 79059951.4041 | 0.67706955836282
Bons B.R.H. | 0 | 3000000 | 3000000 | 0 | 0 | 2500000 | 2500000 | 0
Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres Placements | 37382921.565409996 | 14315606.894079998 | 51698528.459489994 | 0.7230944995794718 | 35178436.96131999 | 12480423.139279999 | 47658860.10059999 | 0.7381300536157205
Portefeuille net | 16192387.13179 | 10806103.13758 | 26998490.269369997 | 0.5997515775969292 | 17060655.10265 | 11391009.67377 | 28451664.77642 | 0.5996364443598192
Immobilisations | 0 | 6269776.120170001 | 6269776.120170001 | 0 | 0 | 6336796.02994 | 6336796.02994 | 0
Autres actifs | 349653.8707299999 | 3639415.89689 | 3989069.76762 | 0.08765298455499664 | 842636.27491 | 4041330.9725300004 | 4883967.24744 | 0.17253110682748327 | #REF!
109452294.40021998 | 67667965.17461 | 177120259.57483 | 0.6179546860588154 | 106610814.72024 | 62280424.838259995 | 168891239.5585 | 0.6312394591864695 | #REF!
#REF!
PASSIF | #REF!
Dépôts | #REF!
À vue | 46032323.15344738 | 25785156.399949998 | 71817479.55339739 | 0.6409626659095109 | 45698625.95817284 | 23320073.28023999 | 69018699.23841283 | 0.6621194902603867
Épargne | 34221079.44773156 | 16391953.87796 | 50613033.325691566 | 0.6761317628904229 | 32345289.52807995 | 14706847.906079995 | 47052137.43415994 | 0.6874350729197098
À terme | 20658105.575766418 | 4551323.005929998 | 25209428.581696417 | 0.8194594934518057 | 20257871.712858174 | 4455836.131750004 | 24713707.84460818 | 0.8197018367390735
100911508.17694536 | 46728433.28383999 | 147639941.46078536 | 0.6834973461686752 | 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 | 5894809.76039 | 4528008.15329 | 10422817.91368 | 0.565567758087094 | 5893014.908479999 | 4760084.67 | 10653099.578479998 | 0.5531737373772699
5894809.76039 | 4528008.15329 | 10422817.91368 | 0.565567758087094 | 5893014.908479999 | 4760084.67 | 10653099.578479998 | 0.5531737373772699
Obligations à terme
Banques locales | 0 | 1989599.3765699998 | 1989599.3765699998 | 0 | 0 | 2144699.62505 | 2144699.62505 | 0
Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -
Autres | 745101.8027199998 | -120347.24491999997 | 624754.5577999998 | 1.1926312396083811 | 627205.6071200001 | -410842.76692999987 | 216362.8401900002 | 2.898860111880654
745101.8027199998 | 1869252.1316499999 | 2614353.93437 | 0.28500418131011496 | 627205.6071200001 | 1733856.85812 | 2361062.46524 | 0.2656454949218149
Autres passifs | 1820916.92785 | 1905793.6511199998 | 3726710.57897 | 0.4886123806140242 | 1769409.6312100003 | 1425085.0798699998 | 3194494.71108 | 0.5538934295533066
109372336.66790535 | 55031487.21989999 | 164403823.88780534 | 0.6652663793425186 | 106591417.34592097 | 50401783.92605999 | 156993201.27198094 | 0.6789556266277925
AVOIR DES ACTIONNAIRES
Capital versé | 0 | 3000000 | 3000000 | 0 | 0 | 3000000 | 3000000 | 0
Réserves | 0 | 3504304.7636 | 3504304.7636 | 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 | 6212130.918510007 | 6212130.918510007 | 0 | 0 | 5625783.166620005 | 5625783.166620005 | 0
0 | 12716435.682110008 | 12716435.682110008 | 0 | 0 | 11898038.289220005 | 11898038.289220005 | 0
109372336.66790535 | 67747922.90201 | 177120259.56991535 | 0.6175032541928519 | 106591417.34592097 | 62299822.21528 | 168891239.56120098 | 0.6311246079006693
*Converties au taux de 130.5296 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 | -0.07591752817428038 | 652829.84029 | 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 | 0.0798699308021532 | 400314.93955999997 | 0 | 0 | 0 | 0 | 167712.97251999998 | -0.18254848624499062 | 205165.65166000003 | -0.1371121687976657 | 237766.30547000002 | -0.09892028789180925 | 263868.2263899999
Autres | 287648.93026000005 | 0.00906727905312375 | 290257.12338 | 0 | 0 | 0 | 0 | 217371.04896 | -0.12803405122942194 | 249288.46048000004 | -0.03252378238187446 | 257668.82528 | -0.08286349310145688 | 280949.26255999994
1364818.30287 | -0.015691758818712067 | 1343401.90323 | 0 | 0 | 0 | 0 | 1470174.28305 | 0.16176378366816635 | 1265467.4760200002 | -0.041779845540581506 | 1320643.7686899998 | -0.027660041526304906 | 1358211.96813
Dépenses d'intérêt | 248121.91664 | 0.024891384258331647 | 254298.01460999998 | 0 | 0 | 0 | 0 | 239481.35226 | -0.025552782889375864 | 245761.23576 | -0.024027038203091895 | 251811.52079 | 0.044872714064121716 | 240997.31708999997
1116696.38623 | -0.024709041732599357 | 1089103.88862 | 0 | 0 | 0 | 0 | 1230692.93079 | 0.20690928641978631 | 1019706.2402600001 | -0.04596231797508038 | 1068832.2478999998 | -0.043306273413942026 | 1117214.65104
AUTRES REVENUS
Commissions | 456038.47297 | 0.007278626446541587 | 459357.8066599999 | 0 | 0 | 0 | 0 | 507542.17510999995 | 0.2358284663329013 | 410689.82381999993 | -0.13790095058389826 | 476383.57112000004 | -0.2125446032130807 | 604965.7835399997
Gains sur change | 243157.41275999998 | 0.1272129308290147 | 274090.17989 | 0 | 0 | 0 | 0 | 297868.8237400001 | -0.10756426624224366 | 333770.61504000006 | 0.2053852721138192 | 276899.52977 | 0.20581635876209786 | 229636.56758999988
Autres | 198071.80344000002 | 0.4074671788629824 | 278779.5624 | 0 | 0 | 0 | 0 | 170658.62679999997 | 0.7328303888551057 | 98485.47665000003 | 0.3507961879055098 | 72909.20535000002 | -0.7061694839003386 | 248133.53738
897267.68917 | 0.12812214366745037 | 1012227.54895 | 0 | 0 | 0 | 0 | 976069.6256500001 | 0.15792675151579263 | 842945.91551 | 0.020278098868101824 | 826192.3062400002 | -0.2369401300838381 | 1082735.8885099995
PRODUIT NET BANCAIRE | 2013964.0754 | 0.043380794740664766 | 2101331.43757 | 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 | 0.05090458254544649 | 170392.9889 | 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 | 0.04272203796383302 | 1930938.44867 | 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 | 0.003641936012333531 | 593758.9138799999 | 0 | 0 | 0 | 0 | 585122.31048 | -0.041725236623911255 | 610599.72864 | -0.003457786263084554 | 612718.37783 | 0.023038807379827806 | 598919.97587
Frais de locaux | 51615.41166 | -0.009415101311235043 | 51129.447329999995 | 0 | 0 | 0 | 0 | 61009.85541999999 | 0.07952855608968969 | 56515.27704 | 0.04062477127922204 | 54308.98686999998 | 0.023707618412825808 | 53051.26766000001
Amortissement | 93650.60009 | -0.047833611484549954 | 89170.95366999999 | 0 | 0 | 0 | 0 | 96454.70368 | 0.011386507391400891 | 95368.78628999999 | 0.009238531743303788 | 94495.78399 | -0.0074417478208627 | 95204.27016
Autres dépenses d'exploitation | 679956.93782 | -0.0625098095274555 | 637452.9591499999 | 0 | 0 | 0 | 0 | 668578.92657 | 0.032267610219485356 | 647679.8457599999 | -0.038201237267231 | 673404.74001 | -0.18317396700099073 | 824416.35404
1416827.27834 | -0.031983435809545345 | 1371512.2740299997 | 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 | 0.2860447390219838 | 559426.1746400003 | 0 | 0 | 0 | 0 | 443105.44791999995 | 1.526438810589663 | 175387.36583000026 | -0.18616213329718628 | 215506.51918000006 | -0.5118236623629465 | 441452.2019299993
Impôts sur le revenu | 87123.8 | 0.2936533989564275 | 112708 | 0 | 0 | 0 | 0 | 141850 | 1.9669525203932232 | 47810 | -0.2678407350689127 | 65300 | -0.3231757877280265 | 96480
BÉNÉFICE NET (PERTE NETTE) | 347873.64423000003 | 0.2841391753859004 | 446718.17464000033 | 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- mars 25) | 2024 (oct23.- mars 24) | 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 | 652829.84029 | -0.1950442873508622 | 811013.3638800001 | 0 | 0 | 825208.6379399999 | 0 | 0 | 813394.4791800001 | 1359292.58598 | -0.283112711913411 | 1896103.62545 | 3534706.7425700002
Intérêts sur Bons B.R.H. | 370706.62691999995 | 1.2103634641368766 | 167712.97251999998 | 400314.93955999997 | 0.951179139008126 | 205165.65166000003 | 0 | 0 | 237766.30547000002 | 0 | 0 | 263868.2263899999 | 771021.5664799999 | 1.0677548040613987 | 372878.62418000004 | 874513.15604
Autres | 287648.93026000005 | 0.32330837816830155 | 217371.04896 | 290257.12338 | 0.164342396038371 | 249288.46048000004 | 0 | 0 | 257668.82528 | 0 | 0 | 280949.26255999994 | 577906.05364 | 0.23838910801045904 | 466659.50944000005 | 1005277.59728
1364818.30287 | -0.07166223854863665 | 1470174.28305 | 1343401.90323 | 0.061585484168356575 | 1265467.4760200002 | 0 | 0 | 1320643.7686899998 | 0 | 0 | 1358211.96813 | 2708220.2061 | -0.010023809908254295 | 2735641.75907 | 5414497.495890001
Dépenses d'intérêt | 248121.91664 | 0.03608032232346472 | 239481.35226 | 254298.01460999998 | 0.034736067401356284 | 245761.23576 | 0 | 0 | 251811.52079 | 0 | 0 | 240997.31708999997 | 502419.93125 | 0.03539949636343957 | 485242.58802 | 978051.4258999999
1116696.38623 | -0.09262793480647019 | 1230692.93079 | 1089103.88862 | 0.06805651041451437 | 1019706.2402600001 | 0 | 0 | 1068832.2478999998 | 0 | 0 | 1117214.65104 | 2205800.27485 | -0.019818215707567435 | 2250399.17105 | 4436446.069990001
0
AUTRES REVENUS | 0
Commissions | 456038.47297 | -0.10147669428424844 | 507542.17510999995 | 459357.8066599999 | 0.11850301618705436 | 410689.82381999993 | 0 | 0 | 476383.57112000004 | 0 | 0 | 604965.7835399997 | 915396.2796299999 | -0.0030882383790854736 | 918231.9989299999 | 1999581.3535899997
Gains sur change | 243157.41275999998 | -0.18367619105971258 | 297868.8237400001 | 274090.17989 | -0.1788067387024102 | 333770.61504000006 | 0 | 0 | 276899.52977 | 0 | 0 | 229636.56758999988 | 517247.59265 | -0.18110307733625042 | 631639.4387800002 | 1138175.53614
Autres | 198071.80344000002 | 0.16063164900609675 | 170658.62679999997 | 278779.5624 | 1.8306667326263066 | 98485.47665000003 | 0 | 0 | 72909.20535000002 | 0 | 0 | 248133.53738 | 476851.36584 | 0.7717325392885177 | 269144.10345 | 590186.84618
897267.68917 | -0.08073392963900805 | 976069.6256500001 | 1012227.54895 | 0.20082146472894535 | 842945.91551 | 0 | 0 | 826192.3062400002 | 0 | 0 | 1082735.8885099995 | 1909495.2381199999 | 0.04974102469861254 | 1819015.5411600003 | 3727943.73591
0
PRODUIT NET BANCAIRE | 2013964.0754 | -0.08736711635665367 | 2206762.55644 | 2101331.43757 | 0.12813948168509895 | 1862652.15577 | 0 | 0 | 1895024.5541400001 | 0 | 0 | 2199950.5395499994 | 4115295.51297 | 0.011274545359640379 | 4069414.7122100005 | 8164389.8059
Dotation à la provision pour créances douteuses | 162139.35283 | -0.5400188681535305 | 352491.31236999994 | 170392.9889 | -0.38508740385580076 | 277101.15221 | 0 | 0 | 244590.14625999998 | 0 | 0 | 186906.46989 | 332532.34173 | -0.471829222174964 | 629592.4645799999 | 1061089.0807299998
0
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0
ET IMPÔTS SUR LE REVENU | 1851824.72257 | -0.001319397853913801 | 1854271.24407 | 1930938.44867 | 0.21783433288144607 | 1585551.00356 | 0 | 0 | 1650434.40788 | 0 | 0 | 2013044.0696599993 | 3782763.17124 | 0.09969728053427236 | 3439822.2476300006 | 7103300.72517
0
DÉPENSES D'EXPLOITATION | 0
Salaires et avantages sociaux | 591604.32877 | 0.011078056970144532 | 585122.31048 | 593758.9138799999 | -0.02758077668575116 | 610599.72864 | 0 | 0 | 612718.37783 | 0 | 0 | 598919.97587 | 1185363.24265 | -0.008663214468827198 | 1195722.0391199999 | 2407360.3928199997
Frais de locaux | 51615.41166 | -0.15398239670176875 | 61009.85541999999 | 51129.447329999995 | -0.09529865183511459 | 56515.27704 | 0 | 0 | 54308.98686999998 | 0 | 0 | 53051.26766000001 | 102744.85899 | -0.12576266165903285 | 117525.13246 | 224885.38698999997
Amortissement | 93650.60009 | -0.029071714317872432 | 96454.70368 | 89170.95366999999 | -0.06498806224872637 | 95368.78628999999 | 0 | 0 | 94495.78399 | 0 | 0 | 95204.27016 | 182821.55375999998 | -0.04692822662859414 | 191823.48997 | 381523.54412000004
Autres dépenses d'exploitation | 679956.93782 | 0.01701820203692691 | 668578.92657 | 637452.9591499999 | -0.015790033728777866 | 647679.8457599999 | 0 | 0 | 673404.74001 | 0 | 0 | 824416.35404 | 1317409.89697 | 0.0008745428058664598 | 1316258.77233 | 2814079.86638
1416827.27834 | 0.004011918518324197 | 1411165.79615 | 1371512.2740299997 | -0.02740913371033935 | 1410163.6377299998 | 0 | 0 | 1434927.8887 | 0 | 0 | 1571591.86773 | 2788339.5523699997 | -0.011693027093483112 | 2821329.43388 | 5827849.1903099995
0
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 434997.44423 | -0.01829813586824547 | 443105.44791999995 | 559426.1746400003 | 2.1896606234581446 | 175387.36583000026 | 0 | 0 | 215506.51918000006 | 0 | 0 | 441452.2019299993 | 994423.6188700004 | 0.6078175797074882 | 618492.8137500007 | 1275451.534860001
0
Impôts sur le revenu | 87123.8 | -0.3858033133591822 | 141850 | 112708 | 1.3574147667851915 | 47810 | 0 | 0 | 65300 | 0 | 0 | 96480 | 199831.8 | 0.05363176210060101 | 189660 | 351440
0
BÉNÉFICE NET (PERTE NETTE) | 347873.64423000003 | 0.15474640087630817 | 301255.44791999995 | 446718.17464000033 | 2.5015472512205847 | 127577.36583000026 | 0 | 0 | 150206.51918000006 | 0 | 0 | 344972.2019299993 | 794591.8188700003 | 0.8529174853051904 | 428832.81375000067 | 924011.534860001
[SOGEBKVARAN ]
SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK)
RÉSULTATS
ANALYSE DES VARIATIONS ANNUELLES
(En milliers de gourdes)
CUMUL (Octobre-Mars) | ANNÉE
2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 1359292.58598 | -0.283112711913411 | 1896103.62545 | 3534706.7425700002 | -0.3092504015396053 | 5117204.19447 | 0.12516607497021137 | 4547954.571599999 | 0.1963299682614181 | 3801588.7692
Intérêts sur Bons B.R.H. | 771021.5664799999 | 1.0677548040613987 | 372878.62418000004 | 874513.15604 | 0.8533920481087641 | 471844.66823 | -0.23423723973820934 | 616176.0439599999 | 0.16725912600111115 | 527882.8241600001
Autres | 577906.05364 | 0.23838910801045904 | 466659.50944000005 | 1005277.59728 | 0.35349454397318375 | 742727.48402 | 0.8064466403339867 | 411153.84614000004 | 0.6260388535978539 | 252856.10194999998
2708220.2061 | -0.010023809908254295 | 2735641.75907 | 5414497.495890001 | -0.1448691173852296 | 6331776.346720001 | 0.13568668831461464 | 5575284.461699999 | 0.21669265762164655 | 4582327.69531
Dépenses d'intérêt | 502419.93125 | 0.03539949636343957 | 485242.58802 | 978051.4258999999 | 0.0591553942130675 | 923425.80819 | 0.22430511931538233 | 754244.83131 | 0.0440436856512934 | 722426.5054
2205800.27485 | -0.019818215707567435 | 2250399.17105 | 4436446.069990001 | -0.17970441479633922 | 5408350.5385300005 | 0.12182246012619714 | 4821039.630389999 | 0.24900597015085998 | 3859901.18991
AUTRES REVENUS
Commissions | 915396.2796299999 | -0.0030882383790854736 | 918231.9989299999 | 1999581.3535899997 | -0.07813524019621836 | 2169061.49446 | 0.12239130107168697 | 1932535.9100600001 | 0.15748388163565336 | 1669600.70954
Gains sur change | 517247.59265 | -0.18110307733625042 | 631639.4387800002 | 1138175.53614 | -0.10835378856167088 | 1276487.8284 | 0.050891536017939554 | 1214671.3382400002 | 0.5097726482112807 | 804539.23952
Autres | 476851.36584 | 0.7717325392885177 | 269144.10345 | 590186.84618 | 0.28769579665590433 | 458327.85018999997 | 0.20210398086165654 | 381271.38541000005 | -0.596203500193514 | 944216.6675360462
1909495.2381199999 | 0.04974102469861254 | 1819015.5411600003 | 3727943.73591 | -0.045066335169184686 | 3903877.1730500003 | 0.10639104790193651 | 3528478.63371 | 0.03221490015971823 | 3418356.6165960464
PRODUIT NET BANCAIRE | 4115295.51297 | 0.011274545359640379 | 4069414.7122100005 | 8164389.8059 | -0.12326136572590832 | 9312227.71158 | 0.11530119667134757 | 8349518.264099998 | 0.1471863852687864 | 7278257.806506047
Dotation à la provision pour créances douteuses | 332532.34173 | -0.471829222174964 | 629592.4645799999 | 1061089.0807299998 | -0.4206714057659537 | 1831584.1670700002 | 0.008674006458312011 | 1815833.61457 | 0.5866166393687933 | 1144469.03525
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 3782763.17124 | 0.09969728053427236 | 3439822.2476300006 | 7103300.72517 | -0.05044256113726065 | 7480643.54451 | 0.1449348944394067 | 6533684.649529998 | 0.06519557376151089 | 6133788.771256047
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 1185363.24265 | -0.008663214468827198 | 1195722.0391199999 | 2407360.3928199997 | 0.011631050893047267 | 2379682.18818 | 0.1564445703129447 | 2057757.24083 | 0.15890020995434195 | 1775612.10461
Frais de locaux | 102744.85899 | -0.12576266165903285 | 117525.13246 | 224885.38698999997 | -0.10029161076409021 | 249953.64018 | 0.09985463617128768 | 227260.61422999998 | 0.002558125003360841 | 226680.73657
Amortissement | 182821.55375999998 | -0.04692822662859414 | 191823.48997 | 381523.54412000004 | 0.04594621803729966 | 364764.01706 | 0.05529706642941423 | 345650.5553400001 | 0.05320873125050442 | 328188.08378999995
Autres dépenses d'exploitation | 1317409.89697 | 0.0008745428058664598 | 1316258.77233 | 2814079.86638 | 0.06027592989367728 | 2654101.43439 | 0.43921848898543975 | 1844126.8332099998 | 0.07496118836355312 | 1715528.7587799998
2788339.5523699997 | -0.011693027093483112 | 2821329.43388 | 5827849.1903099995 | 0.03175141539598484 | 5648501.27981 | 0.26229267984407784 | 4474795.24361 | 0.10597739337652429 | 4046009.68375
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 994423.6188700004 | 0.6078175797074882 | 618492.8137500007 | 1275451.534860001 | -0.30384689036751916 | 1832142.2647000002 | -0.11013080186241361 | 2058889.405919998 | -0.01383751842277509 | 2087779.0875060475
Impôts sur le revenu | 199831.8 | 0.05363176210060101 | 189660 | 351440 | -0.33410683109177225 | 527772.34609 | 0.0534378165469062 | 501000 | 0.2715736040609137 | 394000
BÉNÉFICE NET (PERTE NETTE) | 794591.8188700003 | 0.8529174853051904 | 428832.81375000067 | 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.mars 25 | 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 | 0.020969634896966242 | 12085460.702821346 | 0 | 0 | 0 | 0 | 0.001954452531599439 | 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 | 0.009285417639036153 | 4854975.250171347 | 0 | 0 | 0 | 0 | -0.013608003577375273 | 4921953.2070201505 | -0.028367344637983256 | 5065652.31197 | 0.0017357076463365548 | 5056875.055269999 | 0.048856248464813914 | 4821323.286839
Dépôts | 7972246.800559405 | 0.013114828373387613 | 8076801.44909903 | 0 | 0 | 0 | 0 | -0.013315382006444946 | 8185798.482926981 | -0.0291292839230332 | 8431399.10121467 | 0.05105830244887003 | 8021818.657985269 | 0.21756413592273668 | 6588415.69106
Avoir des Actionnaires | 1119428.53019 | 0.07150511435188653 | 1199473.3952500003 | 0 | 0 | 0 | 0 | 0.08284644714753057 | 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 - mars. 25) | (oct. 23- mars. 24)
Résultats
Revenus nets d'intérêt | 100112.11197999999 | -0.15856664991040487 | 118978.06519000005 | 123813.47106000001 | 0.0895631076536272 | 113635.88780702402 | 0 | 0 | 125376.99967000002 | 0 | 0 | 144668.52104997096 | 223925.58304 | -0.037351026647723114 | 232613.95299702405
Autres revenus | 19579.742880000005 | 0.11251482956854728 | 17599.53428 | 102032.08729 | 4.069420298075061 | 20126.973359999996 | 0 | 0 | 17756.15845000001 | 0 | 0 | 56356.53982 | 121611.83017 | 2.223511471840016 | 37726.507639999996
Dot. à la prov. pr créances douteuses | 1203.0415399999983 | 1.6605009268105686 | -1821.4077999999997 | 24000 | 1.0168067226890756 | 11900 | 0 | 0 | 21000 | 0 | 0 | 41796.958459999994 | 25203.04154 | 1.5006509877441014 | 10078.592200000001
Dépenses d'exploitation | 95035.78129 | -0.011373627285661131 | 96129.11805000002 | 113779.12333 | 0.19077593836676182 | 95550.40513 | 0 | 0 | 96363.70048999999 | 0 | 0 | 109531.81423 | 208814.90462 | 0.08939599366547196 | 191679.52318000002
Bénéfice (perte) net | 17120.713379999987 | -0.44515984167045236 | 30857.019130600005 | 64288.835060000005 | 2.3469660613297236 | 19208.092906224017 | 0 | 0 | 18811.704069900043 | 0 | 0 | 37469.96728437095 | 81409.54844000004 | 0.6260734297392868 | 50065.11203682399
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 - mars. 25) | (oct. 23- mars. 24) | 2024 | 2023 | 2022 | 2021
RATIOS FINANCIERS CLÉS
(Données trimestrielles
et cumulatives annualisées)
Avoir des actionnaires
en % de l'actif | 0.09456838807100848 | 0.0940836006216294 | 0.0992492900969827 | 0.0915608661776777 | 0 | 0.09115749127136527 | 0 | 0.09183505970327455 | 0.0992492900969827 | 0.0915608661776777 | 0.09183505970327455 | 0.08676200663056292 | 0.08103751267768017 | 0.0853015512901374
Dépôts en % de l'actif | 0.6734887568974096 | 0.6824445569473788 | 0.6683072865574338 | 0.683086706894062 | 0 | 0.6738490393202111 | 0 | 0.6786499446877018 | 0.6683072865574338 | 0.683086706894062 | 0.6786499446877018 | 0.6852108453766899 | 0.6827486357956529 | 0.6536905895142436
Qualité de l'actif
Prêts improductifs bruts
en % des prêts bruts | 0.13361507765862504 | 0.06359950072111291 | 0.1288127912650176 | 0.11275307689406115 | 0 | 0.10170900389715984 | 0 | 0.09914801393711056 | 0.1288127912650176 | 0.11275307689406115 | 0.09914801393711056 | 0.04144079780893058 | 0.07124213430332414 | 0.041209673197505875
Provisions pour créances douteuses
en % des prêts improductifs bruts | 0.4756179973490498 | 0.7831848438638832 | 0.5019488114666114 | 0.460241038897821 | 0 | 0.5449540279392477 | 0 | 0.6279397687536507 | 0.5019488114666114 | 0.460241038897821 | 0.6279397687536507 | 1.2126331430000805 | 0.5907699247156862 | 1.0065933566073082
Prêts improductifs nets
en % de l'avoir des actionnaires | 0.32151051428586236 | 0.06388542134817897 | 0.27762506340501664 | 0.29584867519140695 | 0 | 0.22291192432145512 | 0 | 0.1747946332077859 | 0.27762506340501664 | 0.29584867519140695 | 0.1747946332077859 | -0.044023165949195725 | 0.16164521078016045 | -0.0015896654962255787
Rentabilité
ROA (rendement de l'actif) | 0.005730992667649192 | 0.01025438295130314 | 0.021498856957634017 | 0.006608745901828573 | 0 | 0.006480143603879565 | 0 | 0.012593686847753775 | 0.013485464613215105 | 0.008418499443464223 | 0.008728858383759027 | 0.014498990890740644 | 0.014647318005265836 | 0.013230792433120487
ROE (rendement avoir des action.) | 0.06149867692924476 | 0.11350723026402189 | 0.22179061340958267 | 0.0711860155793014 | 0 | 0.07093213970825911 | 0 | 0.13763464338885856 | 0.1411413735871046 | 0.09450644638296711 | 0.09777687034328576 | 0.1726772101096658 | 0.1764601706585961 | 0.1357098966561243
Revenus nets d'intérêt
en % des revenus d'intérêt | 0.684146035723671 | 0.725741779692905 | 0.7364203174164121 | 0.6927988246589151 | 0 | 0.725518995481194 | 0 | 0.7622789386445062 | 0.7120949139297705 | 0.7092660621239302 | 0.7279026822540535 | 0.7556552986673709 | 0.7168337269853914 | 0.7220485329128635
Rendement moyen des prêts | 0.0824219910279685 | 0.09375333962499925 | 0.10187239164375687 | 0.09448787915665326 | 0 | 0.10273871175631309 | 0 | 0.11691970086343184 | 0.09138825525779211 | 0.09328101184871238 | 0.09968563802981496 | 0.11334752155150182 | 0.09780828444250475 | 0.11328782114511048
Rendement moyen des prêts productifs | 0.09325819387372751 | 0.09892766550230428 | 0.1172566273319968 | 0.10362010814926795 | 0 | 0.11507570830408798 | 0 | 0.12997098794327588 | 0.10313511641855093 | 0.10099033761738958 | 0.10719609520952549 | 0.12010521392894835 | 0.10367512754125206 | 0.12208767337087792
Rémunération moyenne des dépôts | 0.022883650530296003 | 0.021849108930086233 | 0.022089951992483117 | 0.025391999362005393 | 0 | 0.024084704706418568 | 0 | 0.02242175439359788 | 0.022268203420957203 | 0.02343408339487685 | 0.02261502254294954 | 0.02216781397960733 | 0.022143966999330952 | 0.028342112403161347
Dépenses d'exploitation
en % du produit net bancaire | 0.7940037473824809 | 0.7038424926418132 | 0.5037917245805335 | 0.7143268639468638 | 0 | 0.6732451219249319 | 0 | 0.5448664646884424 | 0.6043192332782006 | 0.7090300975604273 | 0.6469908741566881 | 0.5800600943049423 | 0.561752816471301 | 0.5871313365281908
(revenus nets d'int.+autres revenus)
Productivité par employé ('000 gdes) | 6469.829992432432 | 7333.025474899331 | 12723.693428169014 | 7535.9358403957185 | 0 | 8179.037606857145 | 0 | 11168.058937220609 | 9338.849005675676 | 7457.667879642042 | 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.mars 25 | 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 | -0.12670506467693063 | 67705.13407 | 0 | 0 | 0 | 0 | -0.18713621405620012 | 83292.10286 | 1.045095303419072 | 40727.73661 | -0.5577484217499984 | 92091.78353 | 0.0432914988171993 | 88270.42455
Avoirs à la BRH | 1890511.9573300001 | 0.026143429465425357 | 1939936.4233400002 | 0 | 0 | 0 | 0 | -0.04038856209622486 | 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 | 0
Avoirs dans les banques locales | 147142.10982 | 0.28514946503979655 | 189099.60372 | 0 | 0 | 0 | 0 | 0.052790891013119436 | 179617.43907000002 | -0.2743288562018673 | 247519.05956999998 | -0.07051049648727735 | 266295.70171 | 0.6774874694783214 | 158746.76059
Autres liquidités | 15397.03226 | 0.7314950641013985 | 26659.88536 | 0 | 0 | 0 | 0 | -0.49483159011010447 | 52774.25278 | 0.4993982125882092 | 35196.95591 | 0.29717943647048545 | 27133.451950000002 | -0.437785598237088 | 48261.75186
2130579.4707899997 | 0.04356635224011756 | 2223401.04649 | 0 | 0 | 0 | 0 | -0.04871843590182717 | 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 | 0
Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres Placements | 2617117.71676 | 0.001657334785601313 | 2621455.15699 | 0 | 0 | 0 | 0 | 0.04617947863518299 | 2505741.32883 | -0.08884948240498891 | 2750084.95352 | 0.18139273896253613 | 2327832.95751 | 0.3553199920052403 | 1717552.29115
Portefeuille net | 4810309.517329908 | 0.009285417639036153 | 4854975.250171347 | 0 | 0 | 0 | 0 | -0.013608003577375273 | 4921953.2070201505 | -0.028367344637983256 | 5065652.31197 | 0.0017357076463365548 | 5056875.055269999 | 0.048856248464813914 | 4821323.286839
Immobilisations | 630400.61349 | -0.04172339856140903 | 604098.15744 | 0 | 0 | 0 | 0 | 0.03416039167888714 | 584143.5838199999 | -0.04861575014619091 | 613993.33015 | 0.10877876631930045 | 553756.39289 | -0.14263476851908946 | 645881.5596399999
Autres actifs | 1648830.82245 | 0.08048143416122014 | 1781531.0917300002 | 0 | 0 | 0 | 0 | 0.04014063346397929 | 1712779.0554599997 | 0.08799803822936192 | 1574248.2939099998 | 0.08235773898394184 | 1454462.0851399999 | 0.21300834492772563 | 1199053.65138
11837238.140819909 | 0.020969634896966242 | 12085460.702821346 | 0 | 0 | 0 | 0 | 0.001954452531599439 | 12061886.318570152 | -0.01974331638573537 | 12304824.358960003 | 0.04728147106918666 | 11749300.163209999 | 0.16574413488971185 | 10078798.435749
PASSIF
Dépôts
À vue | 3747801.509029104 | 0.03016071412408243 | 3860837.8789367354 | 0 | 0 | 0 | 0 | -0.028105685799827956 | 3972487.360535741 | 0.056953956358795556 | 3758429.907600661 | 0.013955373289449001 | 3706701.504433726 | 0.3233124953696568 | 2801077.98982
Épargne | 1236946.276116356 | 0.005918389516715848 | 1244267.0059896638 | 0 | 0 | 0 | 0 | -0.017371626009562272 | 1266264.0718756327 | 0.026580565297491608 | 1233477.541539746 | 0.0427844843690287 | 1182869.097142448 | 0.26046426769509096 | 938439.2143900001
À terme | 2987499.015413946 | -0.005289525171316193 | 2971696.5641726316 | 0 | 0 | 0 | 0 | 0.008364139843886098 | 2947047.050515607 | -0.14317365802056095 | 3439491.6520742616 | 0.09809044179514938 | 3132248.0564090954 | 0.0994593422219099 | 2848898.48685
7972246.800559405 | 0.013114828373387613 | 8076801.44909903 | 0 | 0 | 0 | 0 | -0.013315382006444946 | 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 | -0.01591721533594753 | 414155.33929000003 | 0 | 0 | 0 | 0 | 0.09532027449407883 | 378113.46045 | 0.18320408185694534 | 319567.40705000004 | 0.1104967532469775 | 287769.78061 | 0.5699488772144243 | 183298.82252
420854.16566999996 | -0.01591721533594753 | 414155.33929000003 | 0 | 0 | 0 | 0 | 0.09532027449407883 | 378113.46045 | 0.18320408185694534 | 319567.40705000004 | 0.1104967532469775 | 287769.78061 | 0.5699488772144243 | 183298.82252
Obligations à terme
Banques locales | 1488519.52855 | -0.018970777586981038 | 1460281.15564 | 0 | 0 | 0 | 0 | -0.03723517495154415 | 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 | -0.006749080717057788 | 343380.9586100001 | 0 | 0 | 0 | 0 | 0.021322369640436045 | 336212.1195200002 | -0.12093072664152071 | 382463.73716999986 | 0.09779651905649674 | 348392.19339000003 | 0.18399461421025867 | 294251.50182999996
1834233.7402799998 | -0.016667246577490646 | 1803662.11425 | 0 | 0 | 0 | 0 | -0.02661020209270421 | 1852970.0209800003 | -0.07912090100658234 | 2012175.1302699998 | -0.03772347904082241 | 2091057.0781300003 | 0.031068213894702316 | 2028049.21144
Autres passifs | 490474.90412 | 0.20570573534444325 | 591368.4049399999 | 0 | 0 | 0 | 0 | 0.10062920217143091 | 537300.30402 | 0.13332621801176445 | 474091.48 | 0.19562892130427856 | 396520.58557 | -0.05432176213225878 | 419297.56834
10717809.610629406 | 0.01569142418641537 | 10885987.307579031 | 0 | 0 | 0 | 0 | -0.006225472529776947 | 10954182.268376982 | -0.025188660515623348 | 11237233.118534671 | 0.04075764066886524 | 10797166.102295268 | 0.17117847020627716 | 9219061.29336
AVOIR DES ACTIONNAIRES
Capital versé | 300000 | 0 | 300000 | 0 | 0 | 0 | 0 | 0 | 300000 | 0 | 300000 | 0 | 300000 | 0 | 300000
Réserves | 370248.24069 | -0.06968319296242595 | 344448.16109 | 0 | 0 | 0 | 0 | -0.02503535128176935 | 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 | 0
Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BNR | 449180.2895 | 0.23564022539328322 | 555025.2341600002 | 0 | 0 | 0 | 0 | 0.22141660762969204 | 454411.0753800003 | 0.07224855657189247 | 423792.66690999997 | 0.17563829777614168 | 360478.78646999993 | 0.46997154018474685 | 245228.41199
1119428.53019 | 0.07150511435188653 | 1199473.3952500003 | 0 | 0 | 0 | 0 | 0.08284644714753057 | 1107704.0502000004 | 0.037573179324539005 | 1067591.25262 | 0.12126148662009512 | 952134.0609299999 | 0.1074711266239172 | 859737.1417099999
11837238.140819406 | 0.02096963489765886 | 12085460.702829031 | 0 | 0 | 0 | 0 | 0.001954452531669213 | 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 | 0 | 0 | 0 | 0 | 0
Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 571446.430545663 | -0.004884583412778765 | 568655.152789728 | 0 | 0 | 0.08205534374497642 | 525532.41022 | 0.5493044129315532 | 339205.39168 | -0.9974135396221497 | 131146564.07841 | 248.5147497529049 | 525606.4589699999
Portefeuille brut | 5136748.528419908 | 0.010480677257914833 | 5190585.131901346 | 0 | 0 | 0 | 0 | -0.011078653867850941 | 5248734.039570151 | -0.01592691236488238 | 5333683.14358 | 0.010347413503000485 | 5279058.54194 | 0.04952014005725682 | 5029973.547389
Provisions pour créances douteuses | 326439.01109000004 | 0.028093672411817067 | 335609.88173 | 0 | 0 | 0 | 0 | 0.027018259030382567 | 326780.83255000005 | 0.219191204933784 | 268030.83161 | 0.20634902092474205 | 222183.48667 | 0.06486081581842533 | 208650.26055
Portefeuille de crédit improductif | 686347.053537654 | -0.025837212103321364 | 668613.759138912 | 0 | 0 | 0 | 0 | 0.2848035364343385 | 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 | 67705.13407 | 0.005602197196685622 | 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 | 1939936.4233400002 | 0.1605182020812101 | 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 | 189099.60372 | 0.015646867618034188 | 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 | 26659.88536 | 0.0022059469651642045 | 0 | 0 | 0 | 0 | 52774.25278 | 0.0043752901814992405 | 35196.95591 | 0.0028604192049576584 | 27133.451950000002 | 0.0023093675004543365 | 48261.75186 | 0.004788443004159895
2130579.4707899997 | 0.17998957573074767 | 2223401.04649 | 0.1839732138610941 | 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 | 2621455.15699 | 0.2169098242467515 | 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 | 4854975.250171347 | 0.40172032904281046 | 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 | 604098.15744 | 0.04998552991024773 | 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 | 1781531.0917300002 | 0.14741110293909626 | 0 | 0 | 0 | 0 | 1712779.0554599997 | 0.1446941452967477 | 1574248.2939099998 | 0.12793748597993432 | 1454462.0851399999 | 0.12287174320877997 | 1199053.65138 | 0.11896791656503576
11837238.140819909 | 1 | 12085460.702821346 | 1 | 0 | 0 | 0 | 0 | 12061886.318570152 | 1 | 12304824.358960003 | 1 | 11749300.163209999 | 1 | 10078798.435749 | 1
PASSIF
Dépôts
À vue | 3747801.509029104 | 0.3166111439546921 | 3860837.8789367354 | 0.31946137378407297 | 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 | 1244267.0059896638 | 0.10295569499466331 | 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 | 2971696.5641726316 | 0.24589021777869752 | 0 | 0 | 0 | 0 | 2947047.050515607 | 0.24432721157207504 | 3439491.6520742616 | 0.2795238316075375 | 3132248.0564090954 | 0.2665901809383463 | 2848898.48685 | 0.2826625123035597
7972246.800559405 | 0.6734887568974096 | 8076801.44909903 | 0.6683072865574338 | 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 | 414155.33929000003 | 0.03426889131279171 | 0 | 0 | 0 | 0 | 378113.46045 | 0.03134778843569988 | 319567.40705000004 | 0.025970903584438463 | 287769.78061 | 0.02449250394598644 | 183298.82252 | 0.018186574886729368
420854.16566999996 | 0.03555340871437849 | 414155.33929000003 | 0.03426889131279171 | 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 | 1460281.15564 | 0.12082958122557115 | 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 | 343380.9586100001 | 0.028412732212172758 | 0 | 0 | 0 | 0 | 336212.1195200002 | 0.027873925407701543 | 382463.73716999986 | 0.03108242149685796 | 348392.19339000003 | 0.029652165537561396 | 294251.50182999996 | 0.029195097382472144
1834233.7402799998 | 0.15495453571680456 | 1803662.11425 | 0.1492423134377439 | 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 | 591368.4049399999 | 0.04893221859568375 | 0 | 0 | 0 | 0 | 537300.30402 | 0.044545296633478226 | 474091.48 | 0.03852891078894441 | 396520.58557 | 0.03374844289122898 | 419297.56834 | 0.04160194005396241
10717809.610629406 | 0.905431611928949 | 10885987.307579031 | 0.9007507099036532 | 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 | 300000 | 0.024823215877071623 | 0 | 0 | 0 | 0 | 300000 | 0.024871731674185004 | 300000 | 0.024380681206680455 | 300000 | 0.025533435679801177 | 300000 | 0.029765452887311927
Réserves | 370248.24069 | 0.031278262402546775 | 344448.16109 | 0.02850103687065804 | 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 | 555025.2341600002 | 0.04592503734925304 | 0 | 0 | 0 | 0 | 454411.0753800003 | 0.03767330112209741 | 423792.66690999997 | 0.03444117969887209 | 360478.78646999993 | 0.030680873027548423 | 245228.41199 | 0.024331115812395547
1119428.53019 | 0.09456838807100848 | 1199473.3952500003 | 0.0992492900969827 | 0 | 0 | 0 | 0 | 1107704.0502000004 | 0.09183505970327455 | 1067591.25262 | 0.08676200663056292 | 952134.0609299999 | 0.08103751267768017 | 859737.1417099999 | 0.0853015512901374
11837238.140819406 | 0.9999999999999575 | 12085460.702829031 | 1.000000000000636 | 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)
Mars 25 | Septembre 24
ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties | Gourdes | Total | % devises/total
Disponibilités
Encaisse | 4846.85776 | 62858.27631 | 67705.13407 | 0.07158774333108708 | 36943.52882 | 46348.57404 | 83292.10286 | 0.44354179509786
Avoirs à la BRH | 1426348.8795300003 | 513587.54381 | 1939936.4233400002 | 0.7352554766069327 | 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 | 40782.401939999996 | 148317.20178 | 189099.60372 | 0.2156662475104207 | 152511.13659 | 27106.302480000002 | 179617.43907000002 | 0.849088693055933
Autres liquidités | 14313.39819 | 12346.48717 | 26659.88536 | 0.5368889624512624 | 38235.613450000004 | 14538.63933 | 52774.25278 | 0.7245126446298119
1486291.5374200004 | 737109.50907 | 2223401.0464900006 | 0.6684765844499142 | 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 | 1612037.8819200003 | 1009417.27507 | 2621455.15699 | 0.6149400944820929 | 1596324.05376 | 909417.27507 | 2505741.32883 | 0.6370665780195947
Portefeuille net | 2664522.4148913464 | 2190452.83528 | 4854975.250171347 | 0.5488230686237396 | 2754219.4405501517 | 2167733.7664699988 | 4921953.2070201505 | 0.5595785503652952
Immobilisations | 0 | 604098.15744 | 604098.15744 | 0 | 0 | 584143.5838199999 | 584143.5838199999 | 0
Autres actifs | 1150259.13492 | 631271.9568099999 | 1781531.09173 | 0.645657625768974 | 1169113.8062099998 | 543665.2492500001 | 1712779.05546 | 0.6825829650841986 | #REF!
6913110.969151347 | 5172349.73367 | 12085460.702821348 | 0.5720188198979856 | 7222531.907330152 | 4839354.411239999 | 12061886.318570152 | 0.5987895853578505 | #REF!
#REF!
PASSIF | #REF!
Dépôts | #REF!
À vue | 3233096.0045467354 | 627741.87439 | 3860837.8789367354 | 0.8374078648019071 | 3416384.2105057407 | 556103.1500299999 | 3972487.360535741 | 0.8600113481657491
Épargne | 910530.6107696638 | 333736.39522 | 1244267.0059896638 | 0.7317807242228102 | 967157.3292756327 | 299106.7426 | 1266264.0718756327 | 0.7637880208059974
À terme | 2063917.7085576316 | 907778.855615 | 2971696.5641726316 | 0.6945250512588117 | 2100298.353265607 | 846748.69725 | 2947047.050515607 | 0.7126789349692074
6207544.323874031 | 1869257.125225 | 8076801.449099031 | 0.7685646803372248 | 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 | 209003.58431 | 205151.75498000003 | 414155.33929000003 | 0.5046502229533045 | 195175.86744 | 182937.59301 | 378113.46045 | 0.5161833361015963
209003.58431 | 205151.75498000003 | 414155.33929000003 | 0.5046502229533045 | 195175.86744 | 182937.59301 | 378113.46045 | 0.5161833361015963
Obligations à terme
Banques locales | 0 | 1460281.15564 | 1460281.15564 | 0 | 0 | 1516757.90146 | 1516757.90146 | 0
Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 313271.04 | 30109.91861000005 | 343380.95861000003 | 0.9123133713299524 | 315544.08 | 20668.03952 | 336212.11952 | 0.9385267861565872
313271.04 | 1490391.07425 | 1803662.11425 | 0.1736861009193313 | 315544.08 | 1537425.9409800002 | 1852970.0209800003 | 0.17029097957727066
Autres passifs | 180349.95236000002 | 411018.4525799999 | 591368.4049399999 | 0.30497055786789673 | 225535.63499000002 | 311764.66903000005 | 537300.30402 | 0.41975713265482323
6910168.9005440315 | 3975818.407035 | 10885987.307579031 | 0.6347764980153009 | 7220095.47547698 | 3734086.7929000002 | 10954182.26837698 | 0.6591177048715241
AVOIR DES ACTIONNAIRES
Capital versé | 0 | 300000 | 300000 | 0 | 0 | 300000 | 300000 | 0
Réserves | 0 | 344448.16109 | 344448.16109 | 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 | 555025.2341600002 | 555025.2341600002 | 0 | 0 | 454411.0753800003 | 454411.0753800003 | 0
0 | 1199473.3952500003 | 1199473.3952500003 | 0 | 1107704.0502000004 | 1107704.0502000004
6910168.9005440315 | 5175291.802285001 | 12085460.702829033 | 0.5717753812170735 | 7220095.47547698 | 4841790.8431 | 12061886.31857698 | 0.5985875910931966
*Converties au taux de 130.5296 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 | 0.22906521748099246 | 131508.77241 | 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 | -0.06896181629862266 | 36620.036819999994 | 0 | 0 | 0 | 0 | 41318.06111 | 0.0424038924608679 | 43070.10773000001 | -0.048679415272036335 | 40973.48007 | 0 | 37739.46938999999
146331.49467 | 0.1489584631740168 | 168128.80923 | 0 | 0 | 0 | 0 | 163939.94189000005 | 0.0005149682196217152 | 164024.36575000003 | 0.05356350411615582 | 172810.08554 | 0.0982242669862635 | 189784.22952
Dépenses d'intérêt | 46219.382690000006 | -0.04119580161359362 | 44315.33817 | 0 | 0 | 0 | 0 | 44961.8767 | 0.12069338829391008 | 50388.47794297601 | -0.058652140203968854 | 47433.08586999999 | -0.048855716584035785 | 45115.708470029036
100112.11197999999 | 0.2367481677415315 | 123813.47106000001 | 0 | 0 | 0 | 0 | 118978.06519000005 | -0.04490052325565164 | 113635.88780702402 | 0.10332221703512105 | 125376.99967000002 | 0.15386810524057376 | 144668.52104997096
AUTRES REVENUS
Commissions | 7733.189140000002 | 0.8306167680259274 | 14156.505710000005 | 0 | 0 | 0 | 0 | 4884.2896 | 0.2217820499423285 | 5967.537359999996 | -0.004436416297523966 | 5941.062880000009 | 0.48758791793834416 | 8837.853359999996
Gains sur change | 4545.41855 | -0.08381955056702124 | 4164.423609999999 | 0 | 0 | 0 | 0 | 5272.2414 | -0.40484567721045545 | 3137.7972600000003 | 0.18199774640634372 | 3708.8692900000005 | -0.36759306769745986 | 2345.5146500000005
Autres | 7301.135190000001 | 10.465498965784798 | 83711.15797 | 0 | 0 | 0 | 0 | 7443.003279999999 | 0.4808053047102782 | 11021.638739999999 | -0.2645171492891809 | 8106.226279999999 | 4.572651225077818 | 45173.17181
19579.742880000005 | 4.211104554096165 | 102032.08729 | 0 | 0 | 0 | 0 | 17599.53428 | 0.14360829325308694 | 20126.973359999996 | -0.11779291737483508 | 17756.15845000001 | 2.1739151223895488 | 56356.53982
PRODUIT NET BANCAIRE | 119691.85485999999 | 0.8868916236126915 | 225845.55835 | 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 | 18.949435827461148 | 24000 | 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 | 0.7034988594651581 | 201845.55835 | 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 | 0.2302002891560691 | 48298.40675 | 0 | 0 | 0 | 0 | 39961.67533 | -0.0078083077704638945 | 39649.642270000004 | 0.006480443587618701 | 39906.58954 | 0.06451549480116266 | 42481.18291
Frais de locaux | 22474.563480000004 | -0.09179103175177686 | 20411.60011 | 0 | 0 | 0 | 0 | 19600.97696 | 0.1402584930134013 | 22350.18045 | -0.016211163073629863 | 21987.858029999996 | 0.270302134109241 | 27931.222980000006
Amortissement | 3453.94708 | 0.047936756460090386 | 3619.5181000000002 | 0 | 0 | 0 | 0 | 4369.13132 | 0.015489971585472684 | 4436.809039999999 | -0.15559774238108728 | 3746.45157 | -0.04830698505466082 | 3565.4717899999996
Autres dépenses d'exploitation | 29846.66644 | 0.3887513519583531 | 41449.59837000001 | 0 | 0 | 0 | 0 | 32197.33444000002 | -0.09577069417799966 | 29113.773370000003 | 0.05526689926280754 | 30722.80135 | 0.1572491761074384 | 35553.93655
95035.78129 | 0.19722405377828198 | 113779.12333 | 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 | 2.7550127807504663 | 88066.43502 | 0 | 0 | 0 | 0 | 42269.88922000001 | -0.3775130116836393 | 26312.456037024007 | -0.02063655351138301 | 25769.457630000048 | 0.9284956980280411 | 49696.28817997097
Impôts sur le revenu | 6332.318649999999 | 2.754959482337485 | 23777.59996 | 0 | 0 | 0 | 0 | 11412.870089400007 | -0.377513011613236 | 7104.363130799988 | -0.02063655362215014 | 6957.753560100007 | 0.7572224698663065 | 12226.320895600022
BÉNÉFICE NET | 17120.713379999987 | 2.7550324938621253 | 64288.835060000005 | 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- mars 25) | 2024 (oct23.- mars 24) | 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 | 131508.77241 | 0.08726037894635168 | 120954.25802000001 | 0 | 0 | 131836.60547 | 0 | 0 | 152044.76013 | 238507.79129 | -0.020808062460344945 | 243576.13880000004 | 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 | 36620.036819999994 | -0.14975748262424918 | 43070.10773000001 | 0 | 0 | 40973.48007 | 0 | 0 | 37739.46938999999 | 75952.51260999999 | -0.09996254624263774 | 84388.16884000001 | 163101.1183
146331.49467 | -0.10740791424590675 | 163939.94189000005 | 168128.80923 | 0.025023376625981475 | 164024.36575000003 | 0 | 0 | 172810.08554 | 0 | 0 | 189784.22952 | 314460.3039 | -0.04117522372228124 | 327964.3076400001 | 690558.6227
Dépenses d'intérêt | 46219.382690000006 | 0.027968271840396845 | 44961.8767 | 44315.33817 | -0.12052635882054029 | 50388.47794297601 | 0 | 0 | 47433.08586999999 | 0 | 0 | 45115.708470029036 | 90534.72086 | -0.05050462372171952 | 95350.35464297602 | 187899.14898300503
100112.11197999999 | -0.15856664991040487 | 118978.06519000005 | 123813.47106000001 | 0.0895631076536272 | 113635.88780702402 | 0 | 0 | 125376.99967000002 | 0 | 0 | 144668.52104997096 | 223925.58304 | -0.037351026647723114 | 232613.95299702405 | 502659.4737169949
0
AUTRES REVENUS | 0
Commissions | 7733.189140000002 | 0.5832781782636316 | 4884.2896 | 14156.505710000005 | 1.3722525484113626 | 5967.537359999996 | 0 | 0 | 5941.062880000009 | 0 | 0 | 8837.853359999996 | 21889.694850000007 | 1.0171437427712189 | 10851.826959999995 | 25630.743199999997
Gains sur change | 4545.41855 | -0.1378584163464138 | 5272.2414 | 4164.423609999999 | 0.32718058718682114 | 3137.7972600000003 | 0 | 0 | 3708.8692900000005 | 0 | 0 | 2345.5146500000005 | 8709.84216 | 0.035648290349238415 | 8410.03866 | 14464.422600000002
Autres | 7301.135190000001 | -0.01906059753879326 | 7443.003279999999 | 83711.15797 | 6.5951643802471445 | 11021.638739999999 | 0 | 0 | 8106.226279999999 | 0 | 0 | 45173.17181 | 91012.29316 | 3.9290039341905425 | 18464.64202 | 71744.04011
19579.742880000005 | 0.11251482956854728 | 17599.53428 | 102032.08729 | 4.069420298075061 | 20126.973359999996 | 0 | 0 | 17756.15845000001 | 0 | 0 | 56356.53982 | 121611.83017 | 2.223511471840016 | 37726.507639999996 | 111839.20591
0
PRODUIT NET BANCAIRE | 119691.85485999999 | -0.12363480303890603 | 136577.59947000004 | 225845.55835 | 0.688402568393003 | 133762.861167024 | 0 | 0 | 143133.15812000004 | 0 | 0 | 201025.06086997097 | 345537.41321 | 0.27815648606865445 | 270340.460637024 | 614498.6796269949
0
Dotation à la provision pour créances douteuses | 1203.0415399999983 | 1.6605009268105686 | -1821.4077999999997 | 24000 | 1.0168067226890756 | 11900 | 0 | 0 | 21000 | 0 | 0 | 41796.958459999994 | 25203.04154 | 1.5006509877441014 | 10078.592200000001 | 72875.55066
0
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0
ET IMPÔTS SUR LE REVENU | 118488.81331999999 | -0.1438608147756264 | 138399.00727000003 | 201845.55835 | 0.6563336558572388 | 121862.861167024 | 0 | 0 | 122133.15812000004 | 0 | 0 | 159228.10240997098 | 320334.37167 | 0.230815615033179 | 260261.868437024 | 541623.1289669949
0
DÉPENSES D'EXPLOITATION | 0
Salaires et avantages sociaux | 39260.604289999996 | -0.01754358480245434 | 39961.67533 | 48298.40675 | 0.2181296976427928 | 39649.642270000004 | 0 | 0 | 39906.58954 | 0 | 0 | 42481.18291 | 87559.01104 | 0.09983120088443288 | 79611.31760000001 | 161999.09005
Frais de locaux | 22474.563480000004 | 0.14660424966899224 | 19600.97696 | 20411.60011 | -0.08673667509471944 | 22350.18045 | 0 | 0 | 21987.858029999996 | 0 | 0 | 27931.222980000006 | 42886.163590000004 | 0.02228797100547038 | 41951.15741 | 91870.23842000001
Amortissement | 3453.94708 | -0.2094659494006695 | 4369.13132 | 3619.5181000000002 | -0.18420692273021494 | 4436.809039999999 | 0 | 0 | 3746.45157 | 0 | 0 | 3565.4717899999996 | 7073.46518 | -0.19673937242064177 | 8805.94036 | 16117.863720000001
Autres dépenses d'exploitation | 29846.66644 | -0.07300815551611912 | 32197.33444000002 | 41449.59837000001 | 0.4237109646773349 | 29113.773370000003 | 0 | 0 | 30722.80135 | 0 | 0 | 35553.93655 | 71296.26481000001 | 0.16286048901519565 | 61311.10781000002 | 127587.84571000002
95035.78129 | -0.011373627285661131 | 96129.11805000002 | 113779.12333 | 0.19077593836676182 | 95550.40513 | 0 | 0 | 96363.70048999999 | 0 | 0 | 109531.81423 | 208814.90462 | 0.08939599366547196 | 191679.52318000002 | 397575.03790000005
0
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 23453.032029999988 | -0.445159841608878 | 42269.88922000001 | 88066.43502 | 2.3469484907103526 | 26312.456037024007 | 0 | 0 | 25769.457630000048 | 0 | 0 | 49696.28817997097 | 111519.46705000004 | 0.6260666886217129 | 68582.34525702399 | 144048.09106699488
0
Impôts sur le revenu | 6332.318649999999 | -0.44515984144239923 | 11412.870089400007 | 23777.59996 | 2.3469009849616906 | 7104.363130799988 | 0 | 0 | 6957.753560100007 | 0 | 0 | 12226.320895600022 | 30109.91861 | 0.6260484626371626 | 18517.233220199996 | 37701.307675900025
0
BÉNÉFICE NET | 17120.713379999987 | -0.44515984167045236 | 30857.019130600005 | 64288.835060000005 | 2.3469660613297236 | 19208.092906224017 | 0 | 0 | 18811.704069900043 | 0 | 0 | 37469.96728437095 | 81409.54844000004 | 0.6260734297392868 | 50065.11203682399 | 106346.78339109485
[SGBELVARAN ]
SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT
RÉSULTATS
ANALYSE DES VARIATIONS ANNUELLES
(En milliers de gourdes)
CUMUL (Octobre-Mars) | ANNÉE
2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 238507.79129 | -0.020808062460344945 | 243576.13880000004 | 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 | 75952.51260999999 | -0.09996254624263774 | 84388.16884000001 | 163101.1183 | 0.12574351222965155 | 144883.01867000002 | 1.1587216066983668 | 67115.19365 | 1.3117820354313419 | 29031.799980000003
314460.3039 | -0.04117522372228124 | 327964.3076400001 | 690558.6227 | -0.07474858111680707 | 746347.00213 | 0.3064707936721402 | 571269.56511 | 0.02201170534324406 | 558965.7751699999
Dépenses d'intérêt | 90534.72086 | -0.05050462372171952 | 95350.35464297602 | 187899.14898300503 | 0.030341267666886572 | 182365.935325958 | 0.12735606709473118 | 161764.273638875 | 0.041186249571496025 | 155365.35726
223925.58304 | -0.037351026647723114 | 232613.95299702405 | 502659.4737169949 | -0.10872987888501875 | 563981.0668040421 | 0.37722534616823017 | 409505.291471125 | 0.014630494169710599 | 403600.41790999996
AUTRES REVENUS
Commissions | 21889.694850000007 | 1.0171437427712189 | 10851.826959999995 | 25630.743199999997 | 0.21178147786894663 | 21151.291439999997 | -0.05650714516171521 | 22418.072729999996 | 0.0651965355925976 | 21045.949719999997
Gains sur change | 8709.84216 | 0.035648290349238415 | 8410.03866 | 14464.422600000002 | -0.31559665270430776 | 21134.35397 | 1.7073940625777582 | 7806.161010000002 | -0.6010075300715816 | 19564.682539999998
Autres | 91012.29316 | 3.9290039341905425 | 18464.64202 | 71744.04011 | 0.5974789949670927 | 44910.78777 | -0.4729440636117505 | 85210.66678 | 1.3413139305349486 | 36394.379100000006
121611.83017 | 2.223511471840016 | 37726.507639999996 | 111839.20591 | 0.282612164641297 | 87196.43317999999 | -0.24462677416270193 | 115434.90052 | 0.49905698968524886 | 77005.01136
PRODUIT NET BANCAIRE | 345537.41321 | 0.27815648606865445 | 270340.460637024 | 614498.6796269949 | -0.05632691602204622 | 651177.499984042 | 0.24047941064312955 | 524940.191991125 | 0.09224773592022438 | 480605.42926999996
Dotation à la provision pour créances douteuses | 25203.04154 | 1.5006509877441014 | 10078.592200000001 | 72875.55066 | 1.006455391255436 | 36320.54367 | 2.282431105353218 | 11065.13511 | -0.7101019931550905 | 38169.06239000001
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 320334.37167 | 0.230815615033179 | 260261.868437024 | 541623.1289669949 | -0.11910709734190991 | 614856.956314042 | 0.1965106071616104 | 513875.056881125 | 0.1614665867204832 | 442436.36688
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 87559.01104 | 0.09983120088443288 | 79611.31760000001 | 161999.09005 | 0.029894803592110417 | 157296.73505000002 | 0.1764421657291397 | 133705.455 | 0.022683683752367855 | 130739.79483999997
Frais de locaux | 42886.163590000004 | 0.02228797100547038 | 41951.15741 | 91870.23842000001 | 0.19996180576024183 | 76560.96884 | 0.31629344127582826 | 58164.05859 | 0.1790164787618951 | 49332.693510000005
Amortissement | 7073.46518 | -0.19673937242064177 | 8805.94036 | 16117.863720000001 | -0.002832430853273291 | 16163.646130000005 | -0.14805086993787658 | 18972.54843 | -0.020209238917490813 | 19363.877660000002
Autres dépenses d'exploitation | 71296.26481000001 | 0.16286048901519565 | 61311.10781000002 | 127587.84571000002 | -0.0008839911737810833 | 127700.73202999993 | 0.5194406144074976 | 84044.56931 | 0.015740797351912778 | 82742.14202
208814.90462 | 0.08939599366547196 | 191679.52318000002 | 397575.03790000005 | 0.052559690824144356 | 377722.08204999997 | 0.2809060904063194 | 294886.63133 | 0.04503575906159715 | 282178.50802999997
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 111519.46705000004 | 0.6260666886217129 | 68582.34525702399 | 144048.09106699488 | -0.39254784217608585 | 237134.874264042 | 0.08286487592779426 | 218988.42555112502 | 0.3664754235615759 | 160257.85885000002
Impôts sur le revenu | 30109.91861 | 0.6260484626371626 | 18517.233220199996 | 37701.307675900025 | -0.39922646609625784 | 62754.60809820003 | 0.061355067012540426 | 59126.87473649999 | 0.394729207997185 | 42393.085623700026
BÉNÉFICE NET | 81409.54844000004 | 0.6260734297392868 | 50065.11203682399 | 106346.78339109485 | -0.39014439116662897 | 174380.26616584198 | 0.09082055864735597 | 159861.55081462505 | 0.3563132260704509 | 117864.77322629999
[unibkinfin]
UNIBANK (UNIBK)
INDICATEURS FINANCIERS
Var.mars 25 | 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 | 0.03939902196021175 | 255289746.49040824 | 0 | 0 | 0 | 0 | 0.061314975176745085 | 240540982.14141735 | 0.035103946064207796 | 232383407.53702095 | 0.06253443488768318 | 218706707.19635114 | 0.20484270627840398 | 181523037.03767818
Bons B.R.H. | 2200000 | 0.36363636363636365 | 3000000 | 0 | 0 | 0 | 0 | -0.047619047619047616 | 3150000 | 0 | 0 | 0 | 0 | 0 | 0
Prêts nets | 42313270.945769995 | -0.0171981143828999 | 41585562.47213001 | 0 | 0 | 0 | 0 | 0.008656817167292555 | 41228653.55623999 | -0.17486826314171713 | 49966146.876399994 | -0.04315305776366303 | 52219581.492960006 | 0.2782957527678963 | 40850938.74394
Dépôts | 205519984.5728756 | 0.05157443959674772 | 216119562.60315388 | 0 | 0 | 0 | 0 | 0.06892510233360566 | 202184009.08663866 | 0.045620812223955885 | 193362648.0297467 | 0.0332075349053402 | 187147926.7207068 | 0.1944090174683744 | 156686632.45475045
Avoir des Actionnaires | 21003199.882400002 | 0.05054429032023723 | 22064791.71491 | 0 | 0 | 0 | 0 | 0.08929095364875249 | 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 - mars. 25) | (oct. 23- mars. 24)
Résultats
Revenus nets d'intérêt | 2015832.30079 | -0.023867237897729956 | 2065121.0358399998 | 2050356.08432 | -0.01178314344147938 | 2074803.7950499998 | 0 | 0 | 2036553.453704 | 0 | 0 | 1986860.5678400001 | 4066188.385110001 | -0.017811059087308827 | 4139924.83089
Autres revenus | 1471902.5240000002 | -0.02693624591246341 | 1512647.5709499998 | 1687542.7665 | 0.16625190272861176 | 1446979.64698 | 0 | 0 | 1002091.5624200001 | 0 | 0 | 1952001.83005 | 3159445.2905 | 0.06751460838022552 | 2959627.21793
Dot. à la prov. pr créances douteuses | 127569.23956999999 | -0.49877487332863363 | 254514.85327000002 | 117873.69029 | -0.4781050891532282 | 225857.13683 | 0 | 0 | 341325.97072000004 | 0 | 0 | 240455.3111 | 245442.92985999997 | -0.48905653344004174 | 480371.99010000005
Dépenses d'exploitation | 2424621.44549 | 0.06505863447944539 | 2276514.5194800003 | 2404565.5792900003 | 0.041464164437871584 | 2308831.79796 | 0 | 0 | 2338775.5001999997 | 0 | 0 | 2170147.86986 | 4829187.024780001 | 0.053178253169792744 | 4585346.317439999
Bénéfice (perte) net | 757959.1453399999 | -0.07804661698126902 | 822123.0696699995 | 974084.5975099998 | 0.17247020259318727 | 830796.8896399993 | 0 | 0 | 160371.35749400005 | 0 | 0 | 1237237.27475 | 1732043.742850001 | 0.047869095593128325 | 1652919.9593100008
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 - mars. 25) | (oct. 23- mars. 24) | 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 | 0.08643038750378884 | 0.08967833390311958 | 0 | 0.08015080026911336 | 0 | 0.084210618164813 | 0.08643038750378884 | 0.08967833390311958 | 0.084210618164813 | 0.08350589749755921 | 0.07528974387734151 | 0.0734203971703253
Dépôts en % de l'actif | 0.8367640059776186 | 0.8261669836757143 | 0.8465657770210286 | 0.832486081219478 | 0 | 0.8475973044845778 | 0 | 0.8405387193761931 | 0.8465657770210286 | 0.832486081219478 | 0.8405387193761931 | 0.8320845712658815 | 0.8557027313876048 | 0.8631776716154627
Qualité de l'actif
Prêts improductifs bruts
en % des prêts bruts | 0.005380708375232739 | 0.02628287850735127 | 0.012060388771435896 | 0.011149483370252043 | 0 | 0.00851933571922217 | 0 | 0.0055162569408632525 | 0.012060388771435896 | 0.011149483370252043 | 0.0055162569408632525 | 0.014016912999195625 | 0.00150175380596432 | 0.00510104968168687
Provisions pour créances douteuses
en % des prêts improductifs bruts | 4.912296839064194 | 1.1589108153433003 | 2.2731468131202406 | 2.179968148414549 | 0 | 3.300025578827929 | 0 | 5.035422392966732 | 2.2731468131202406 | 2.179968148414549 | 5.035422392966732 | 1.8330676265606023 | 9.169258965939676 | 4.3646363278449485
Prêts improductifs nets
en % de l'avoir des actionnaires | -0.04356080873641879 | -0.00982099343680555 | -0.0297546599167015 | -0.027387566034684025 | 0 | -0.04354643836400344 | 0 | -0.046602656203938074 | -0.0297546599167015 | -0.027387566034684025 | -0.046602656203938074 | -0.030859638379443253 | -0.03944924059046916 | -0.05380588016584977
Rentabilité
ROA (rendement de l'actif) | 0.01247274602562666 | 0.014173701397207536 | 0.015557269972397187 | 0.01416742643038573 | 0 | 0.002700391738656429 | 0 | 0.020699987771262016 | 0.013972863260244717 | 0.014071288954420814 | 0.01290070319117264 | 0.02356083406257302 | 0.022344288908249615 | 0.026942727683757217
ROE (rendement avoir des action.) | 0.1469649866710402 | 0.16602274031568567 | 0.18093894075540598 | 0.16012660802772066 | 0 | 0.03180177277463805 | 0 | 0.25184576212423326 | 0.16370577048014048 | 0.1624379292153259 | 0.15382824024847003 | 0.2962793081678389 | 0.3001573948726735 | 0.33250992580766514
Revenus nets d'intérêt
en % des revenus d'intérêt | 0.861419989659761 | 0.8650701965081747 | 0.8635756758481653 | 0.8994082578297719 | 0 | 0.8775537016611055 | 0 | 0.8547244108381175 | 0.8625056372585137 | 0.8819452478844356 | 0.8740787500979855 | 0.8678564774472659 | 0.8223947513581819 | 0.8144197355633667
Rendement moyen des prêts | 0.12503251261197215 | 0.13202374169997094 | 0.12211417238447403 | 0.12931500585199765 | 0 | 0.13122220752475516 | 0 | 0.1270080064269907 | 0.24969406599762248 | 0.13032393728280778 | 0.12556420320037712 | 0.11313361988764775 | 0.07746518073442459 | 0.07923305842060718
Rendement moyen des prêts productifs | 0.12571737682864695 | 0.13470660359022787 | 0.12318505300302572 | 0.13181669689188685 | 0 | 0.1325296009332405 | 0 | 0.1279054370963204 | 0.12595567167088778 | 0.13199865370551772 | 0.12685422286581097 | 0.11400684210529684 | 0.07770523120931115 | 0.07971792423496582
Rémunération moyenne des dépôts | 0.006363339068605313 | 0.006697698674737563 | 0.006145671603897679 | 0.004771252827899299 | 0 | 0.005695945323667079 | 0 | 0.006693984126087855 | 0.0061983895123008574 | 0.005668171560443158 | 0.0059463239423811765 | 0.005786844443795254 | 0.004906166998469684 | 0.00552208416672816
Dépenses d'exploitation
en % du produit net bancaire | 0.6951851466047132 | 0.6362945091416926 | 0.6432933782471133 | 0.655585965453106 | 0 | 0.7696771053511438 | 0 | 0.5509580306797519 | 0.6683409707138678 | 0.6458641736702415 | 0.6460347568688282 | 0.5523325541297847 | 0.572965483892479 | 0.5273483255696426
(revenus nets d'int.+autres revenus)
Productivité par employé ('000 gdes) | 9097.4498201239 | 8983.725315229127 | 9454.059692241543 | 8907.451007347454 | 0 | 7778.93124127744 | 0 | 10234.134193933096 | 9396.142621079325 | 8888.328073640063 | 8940.653834762783 | 13858.742975171173 | 8302.657319481008 | 7150.438652770809
[unibkvar]
UNIBANK (UNIBK)
BILAN
ANALYSE DES VARIATIONS
(En milliers de gourdes)
Var.mars 25 | 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 | -0.45166091436672706 | 5194512.899371759 | 0 | 0 | 0 | 0 | -0.688856734249543 | 16694923.11473603 | 0.4967303288776143 | 11154262.590012066 | 1.0895019024858448 | 5338239.978026357 | 0.06204019493204622 | 5026401.075495942
Avoirs à la BRH | 100218184.09170781 | 0.08873913377127968 | 109111458.9361366 | 0 | 0 | 0 | 0 | 0.19952405632850306 | 90962293.21994957 | -0.014041330009889275 | 92257714.23143116 | 0.017577021827108776 | 90664109.2049995 | 0.25332650026526293 | 72338779.38893872
Avoirs à l'étranger | 13176697.601320932 | 0.3028591704758587 | 17167381.306468226 | 0 | 0 | 0 | 0 | 0.24962456194453853 | 13738031.268970974 | -0.08120952151349041 | 14952300.432630884 | -0.11764671704269684 | 16945933.926280208 | -4.859193621607797e-05 | 16946757.402034957
Avoirs dans les banques locales | 5595.881450009137 | -0.5846779044976071 | 2324.093210000763 | 0 | 0 | 0 | 0 | 0.7722458143471431 | 1311.3831000113878 | -0.8335044429220758 | 7876.384950005764 | 0 | 6.375926050532144e-09 | 0 | 6.110186409205198e-09
Autres liquidités | 915874.1545226049 | 0.1123796752756677 | 1018799.7946012319 | 0 | 0 | 0 | 0 | -0.3454799012148243 | 1556559.984165771 | -0.19128484153955413 | 1924732.049203826 | 0.916883857982657 | 1004094.24451486 | 0.2843687185670473 | 781780.364158288
123789528.15481214 | 0.07032055945870644 | 132494477.02978782 | 0 | 0 | 0 | 0 | 0.07760159432085584 | 122953118.97092238 | 0.022080648784030522 | 120296885.68822795 | 0.05567684046386677 | 113952377.35382092 | 0.19831656048463345 | 95093718.23062791
Bons B.R.H. | 2200000 | 0.36363636363636365 | 3000000 | 0 | 0 | 0 | 0 | -0.047619047619047616 | 3150000 | 0 | 0 | 0 | 0 | 0 | 0
Bons du Trésor / M.E.F. | 13550000 | 0.05335793357933579 | 14273000 | 0 | 0 | 0 | 0 | 0.3995881545401059 | 10198000 | 0.8541818181818182 | 5500000 | -0.11290322580645161 | 6200000 | -0.08823529411764706 | 6800000
Autres Placements | 54295891.087898254 | 0.016109459641807867 | 55170568.55409475 | 0 | 0 | 0 | 0 | 0.009051438707613199 | 54675675.03273854 | 0.1413613843510189 | 47903911.75169052 | 0.1913120996517343 | 40211051.13067739 | 0.21842040898893045 | 33002607.99476046
Portefeuille net | 42313270.945769995 | -0.0171981143828999 | 41585562.47213001 | 0 | 0 | 0 | 0 | 0.008656817167292555 | 41228653.55623999 | -0.17486826314171713 | 49966146.876399994 | -0.04315305776366303 | 52219581.492960006 | 0.2782957527678963 | 40850938.74394
Immobilisations | 4597332.87228 | 0.0029892936299789445 | 4611075.650149999 | 0 | 0 | 0 | 0 | 0.03829529407873113 | 4441006.01866 | 0.08237390839534574 | 4103023.9034900004 | 0.23486149346758736 | 3322659.201209999 | 0.08831236168912789 | 3053038.18846
Autres actifs | 4866817.721940225 | -0.14624647528627677 | 4155062.78424568 | 0 | 0 | 0 | 0 | 0.0668974991925965 | 3894528.562856447 | -0.1558296760670132 | 4613439.317212492 | 0.6470463050083847 | 2801038.017682816 | 0.028759379817235177 | 2722733.8798898105
245612840.78270063 | 0.03939902196021175 | 255289746.49040824 | 0 | 0 | 0 | 0 | 0.061314975176745085 | 240540982.14141735 | 0.035103946064207796 | 232383407.53702095 | 0.06253443488768318 | 218706707.19635114 | 0.20484270627840398 | 181523037.03767818
PASSIF
Dépôts
À vue | 95428918.26308471 | 0.0880984588025805 | 103836058.8872599 | 0 | 0 | 0 | 0 | 0.08588799944135064 | 95623175.63199863 | 0.03974682417966249 | 91967749.65621388 | 0.08277525922920087 | 84937062.30569333 | 0.19847177099902089 | 70871141.36605118
Épargne | 75916728.60751504 | 0.05032524829020869 | 79737256.82406862 | 0 | 0 | 0 | 0 | 0.1013026873513886 | 72402671.61776856 | -0.030151402027704107 | 74653581.77466455 | -0.0008472307877473312 | 74716884.21933973 | 0.21478062858724267 | 61506483.11393759
À terme | 34174337.70227584 | -0.047640742145005646 | 32546246.891825374 | 0 | 0 | 0 | 0 | -0.04718974495009697 | 34158161.836871475 | 0.27735527570535146 | 26741316.598868273 | -0.027375577906464586 | 27493980.195673734 | 0.1310202466599536 | 24309007.97476168
205519984.5728756 | 0.05157443959674772 | 216119562.60315388 | 0 | 0 | 0 | 0 | 0.06892510233360566 | 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
Banques à l'étranger | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 12010035.150317037 | -0.1372344618641576 | 10361844.439493662 | 0 | 0 | 0 | 0 | -0.017549152176546328 | 10546934.192636255 | 0.22079457133358266 | 8639401.288551684 | 0.3952947068635687 | 6191811.12495716 | 0.5162420825951661 | 4083656.0309415725
12010035.150317037 | -0.1372344618641576 | 10361844.439493662 | 0 | 0 | 0 | 0 | -0.017549152176546328 | 10546934.192636255 | 0.22079457133358266 | 8639401.288551684 | 0.3952947068635687 | 6191811.12495716 | 0.5162420825951661 | 4083656.0309415725
Obligations à terme
Banques locales | 1826456.9254700001 | 0.2467070620918409 | 2277056.7475900003 | 0 | 0 | 0 | 0 | 0.21387537650043695 | 1875857.10335 | -0.4439528811151303 | 3373557.81487 | 0.3952947068635687 | 4470933.526389999 | 0 | 3968534.2379099997
Banque à l'étranger | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 2956151.8217208683 | -0.26508161244117234 | 2172530.3301981916 | 0 | 0 | 0 | 0 | -0.3378501612728306 | 3281025.2349745804 | -0.3754768786008453 | 5253648.940368953 | 1.327131149530416 | 2257564.6161708888 | 0.39165437984239937 | 1622216.4417192084
4782608.7471908685 | -0.06963180285200656 | 4449587.077788192 | 0 | 0 | 0 | 0 | -0.13715559404564226 | 5156882.33832458 | -0.4022535352832463 | 8627206.755238954 | 0.28218906692830137 | 6728498.142560888 | 0.20350531227894741 | 5590750.6796292085
Autres passifs | 2297012.42495168 | -0.0013285634003901044 | 2293960.698313648 | 0 | 0 | 0 | 0 | -0.04300742773930358 | 2397051.727261207 | 0.020557713201169905 | 2348766.46 | 0.08133478208894412 | 2172099.241515755 | 0.18402509271008033 | 1834504.3993485821
224609640.89533517 | 0.03835683049521833 | 233224954.8187494 | 0 | 0 | 0 | 0 | 0.0587424685246583 | 220284877.3448607 | 0.03430802260441095 | 212978022.53353736 | 0.053093698107249274 | 202240335.22974062 | 0.20241197206262992 | 168195543.56466982
AVOIR DES ACTIONNAIRES
Capital versé | 12527000 | 0 | 12527000 | 0 | 0 | 0 | 0 | -0.0003690662623562387 | 12531625 | -0.0023822697039776143 | 12561550 | 0.993679261191735 | 6300687.5 | -0.00019835169739465045 | 6301937.5
Réserves | 2116731.10039 | 0.20256690196076352 | 2545510.76168 | 0 | 0 | 0 | 0 | 0.20442926939671868 | 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 | 0.09950708037283416 | 6992280.95323 | 0 | 0 | 0 | 0 | 0.2461689318252449 | 5611021.728 | -0.07590573292094535 | 6071914.87697 | -0.20130437616435562 | 7602288.901760001 | 0.44818444648348366 | 5249530.83167
21003199.882400002 | 0.05054429032023723 | 22064791.71491 | 0 | 0 | 0 | 0 | 0.08929095364875249 | 20256104.8001 | 0.04383936673995961 | 19405385.00992 | 0.1784857676220703 | 16466371.96907 | 0.23551904190526105 | 13327493.47487
245612840.77773517 | 0.039399022157319705 | 255289746.5336594 | 0 | 0 | 0 | 0 | 0.061314975340918974 | 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 | 0 | -0.26295 | 4434.180791275 | 3750.073000181 | 2958.534002186
Crédit documentaire | 1949395.762050704 | 0.00663235402402986 | 1962324.8448775678 | 0 | 0 | 0.013598479038146252 | 1935998.2137499999 | 1881109.1359275752 | 1809400.1296932271 | 1568762.3525348501
Autres | 3947787.3108369913 | -0.12068929374195082 | 3471331.6484486395 | 0 | 0 | -0.06515592485340992 | 3713273.41183 | 2316107.008951261 | 2151870.224273834 | 2359671.6640074262
Portefeuille brut | 43462043.902329996 | -0.016204386320456395 | 42757768.152660005 | 0 | 0 | 0 | 0 | 0.008281754658192734 | 42406567.365839995 | -0.1731006341135394 | 51283831.03834999 | -0.03144275000816264 | 52948683.249010004 | 0.2672859755683287 | 41781164.05436
Provisions pour créances douteuses | 1148772.95656 | 0.02039804631210088 | 1172205.68053 | 0 | 0 | 0 | 0 | -0.004845964979337843 | 1177913.8096 | -0.10607272697514876 | 1317684.16195 | 0.8072705915409105 | 729101.75605 | -0.21620950550054593 | 930225.31042
Portefeuille de crédit improductif | 233856.58362999998 | 1.2050921078017809 | 515675.30692000006 | 0 | 0 | 0 | 0 | 1.2044422663206038 | 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 | 5194512.899371759 | 0.02034751873423529 | 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 | 109111458.9361366 | 0.42740243365095804 | 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 | 17167381.306468226 | 0.06724665421340469 | 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 | 2324.093210000763 | 9.103746789486055e-06 | 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 | 1018799.7946012319 | 0.0039907587696222276 | 0 | 0 | 0 | 0 | 1556559.984165771 | 0.0064710801889494565 | 1924732.049203826 | 0.008282570901268833 | 1004094.24451486 | 0.004591053733040759 | 781780.364158288 | 0.004306783188053515
123789528.15481214 | 0.5040026725000571 | 132494477.02978782 | 0.5189964691150097 | 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 | 3000000 | 0.011751353280899263 | 0 | 0 | 0 | 0 | 3150000 | 0.013095481576391302 | 0 | 0 | 0 | 0 | 0 | 0
Bons du Trésor / M.E.F. | 13550000 | 0.055168125399388215 | 14273000 | 0.0559090217927584 | 0 | 0 | 0 | 0 | 10198000 | 0 | 5500000 | 0 | 6200000 | 0 | 6800000 | 0
Autres Placements | 54295891.087898254 | 0.22106291721097387 | 55170568.55409475 | 0.21610961392907968 | 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 | 41585562.47213001 | 0.16289554533163542 | 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 | 4611075.650149999 | 0.018062126323288297 | 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 | 4155062.78424568 | 0.0162758702273293 | 0 | 0 | 0 | 0 | 3894528.562856447 | 0.015856371965104327 | 4613439.317212492 | 0.01985270534634675 | 2801038.017682816 | 0.012807279911942032 | 2722733.8798898105 | 0.014999384785109456
245612840.78270063 | 1 | 255289746.49040824 | 1 | 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 | 103836058.8872599 | 0.4067380704268169 | 0 | 0 | 0 | 0 | 95623175.63199863 | 0.3975338205602755 | 91967749.65621388 | 0.3957586758493612 | 84937062.30569333 | 0 | 70871141.36605118 | 0.3904250530545094
Épargne | 75916728.60751504 | 0.3090910408657352 | 79737256.82406862 | 0.312340224863142 | 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 | 32546246.891825374 | 0.12748748173106986 | 0 | 0 | 0 | 0 | 34158161.836871475 | 0.14200558064068028 | 26741316.598868273 | 0.11507412203949251 | 27493980.195673734 | 0.1257116461956062 | 24309007.97476168 | 0.1339169307183635
205519984.5728756 | 0.8367640059776186 | 216119562.60315388 | 0.8465657770210286 | 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 | 10361844.439493662 | 0.04058856488340388 | 0 | 0 | 0 | 0 | 10546934.192636255 | 0.04384672457367605 | 8639401.288551684 | 0.037177358659633834 | 6191811.12495716 | 0.028311025319393876 | 4083656.0309415725 | 0.022496626861162203
12010035.150317037 | 0.04889823802389304 | 10361844.439493662 | 0.04058856488340388 | 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 | 2277056.7475900003 | 0.008919499427195185 | 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 | 2172530.3301981916 | 0.008510057141209226 | 0 | 0 | 0 | 0 | 3281025.2349745804 | 0.013640192227391924 | 5253648.940368953 | 0.022607676666984048 | 2257564.6161708888 | 0.010322338281761455 | 1622216.4417192084 | 0.008936697337112588
4782608.7471908685 | 0.019472144583117107 | 4449587.077788192 | 0.01742955656840441 | 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 | 2293960.698313648 | 0.008985714192794017 | 0 | 0 | 0 | 0 | 2397051.727261207 | 0.009965252930795582 | 2348766.46 | 0.010107289865890354 | 2172099.241515755 | 0.009931562087694374 | 1834504.3993485821 | 0.010106179520166356
224609640.89533517 | 0.9144865560756757 | 233224954.8187494 | 0.9135696126656311 | 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 | 12527000 | 0.049069734183275024 | 0 | 0 | 0 | 0 | 12531625 | 0.052097671209442746 | 12561550 | 0.05405527930387553 | 6300687.5 | 0.028808844414375232 | 6301937.5 | 0.03471701224727706
Réserves | 2116731.10039 | 0.00861816138620668 | 2545510.76168 | 0.009971065413610883 | 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 | 6992280.95323 | 0.027389587906902928 | 0 | 0 | 0 | 0 | 5611021.728 | 0.023326676718652472 | 6071914.87697 | 0.02612886583136399 | 7602288.901760001 | 0.03476020008355206 | 5249530.83167 | 0.02891936427099537
21003199.882400002 | 0.08551344390410769 | 22064791.71491 | 0.08643038750378884 | 0 | 0 | 0 | 0 | 20256104.8001 | 0.084210618164813 | 19405385.00992 | 0.08350589749755921 | 16466371.96907 | 0.07528974387734151 | 13327493.47487 | 0.0734203971703253
245612840.77773517 | 0.9999999999797834 | 255289746.5336594 | 1.0000000001694198 | 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)
Mars 25 | Septembre 24
ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total
Disponibilités
Encaisse | 892967.2670117599 | 4301545.632359999 | 5194512.899371759 | 0.17190587150524897 | 2077109.78270603 | 14617813.33203 | 16694923.11473603 | 0.12441565429388753
Avoirs à la BRH | 77659363.8980266 | 31452095.03811 | 109111458.9361366 | 0.7117434287399727 | 72050064.95585957 | 18912228.26409 | 90962293.21994957 | 0.7920871649710979
Avoirs à l'étranger | 17167381.306468226 | 0 | 17167381.306468226 | 1 | 13738031.268970974 | 0 | 13738031.268970974 | 1
Avoirs dans les banques locales | 0 | 2324.093210000763 | 2324.093210000763 | 0 | 9.404042061578365e-09 | 1311.3831000019838 | 1311.3831000113878 | 0
Autres liquidités | 567494.1986112319 | 451305.59599 | 1018799.7946012318 | 0.5570222938976491 | 848447.298205771 | 708112.68596 | 1556559.984165771 | 0.5450784465980547
96287206.67011783 | 36207270.359670006 | 132494477.02978784 | 0.7267261913752845 | 88713653.30574238 | 34239465.665180005 | 122953118.97092238 | 0.7215242203552606
Bons B.R.H. | 0 | 3000000 | 3000000 | 0 | 0 | 0 | 0 | 0
Bons du Trésor / M.E.F. | 0 | 14273000 | 14273000 | 0 | 0 | 10198000 | 10198000 | 0
Autres Placements | 41684408.746994756 | 13486159.807099998 | 55170568.554094754 | 0.7555551780497456 | 41801281.50658852 | 16024393.526150003 | 57825675.03273852 | 0.7228844537123406
Portefeuille net | 28470484.480790004 | 13115077.99134 | 41585562.47213 | 0.6846242490977603 | 28283216.497599997 | 12945437.05864 | 41228653.55623999 | 0.6860087356240938
Immobilisations | 0 | 4611075.650149999 | 4611075.650149999 | 0 | 0 | 4441006.01866 | 4441006.01866 | 0
Autres actifs | 664220.5324356799 | 3490842.25181 | 4155062.7842456796 | 0.15985812174827682 | 731750.7497264469 | 3162777.8131299997 | 3894528.5628564465 | 0.1878919971740414
167106320.4303383 | 88183426.06007001 | 255289746.4904083 | 0.6545751356160197 | 159529902.05965734 | 81011080.08176 | 240540982.14141732 | 0.6632129820018259 | 0
0
PASSIF | 0
Dépôts | 0
À vue | 78445176.1444799 | 25390882.742779996 | 103836058.8872599 | 0.7554714324207145 | 72274610.72313863 | 23348564.90886 | 95623175.63199863 | 0.7558273425396802 | 0
Épargne | 54276585.62778862 | 25460671.19628 | 79737256.82406862 | 0.6806929130700328 | 50061440.356598556 | 22341231.26117 | 72402671.61776856 | 0.6914308441667065
À terme | 25923964.649715375 | 6622282.24211 | 32546246.891825374 | 0.7965270077339297 | 27440144.74803148 | 6718017.08884 | 34158161.836871475 | 0.8033261531775887
158645726.4219839 | 57473836.181169994 | 216119562.60315388 | 0.7340646284450177 | 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 | 5152207.275153663 | 5209637.16434 | 10361844.439493664 | 0.49722878057465103 | 5403138.198286254 | 5143795.99435 | 10546934.192636255 | 0.5122946725180727
5152207.275153663 | 5209637.16434 | 10361844.439493664 | 0.49722878057465103 | 5403138.198286254 | 5143795.99435 | 10546934.192636255 | 0.5122946725180727
Obligations à terme
Banques locales | 0 | 2277056.7475900003 | 2277056.7475900003 | 0 | 0 | 1875857.10335 | 1875857.10335 | 0
Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1395762.7724981918 | 776767.5577000002 | 2172530.330198192 | 0.6424595105058264 | 2109651.12055458 | 1171374.11442 | 3281025.23497458 | 0.6429853382614793
1395762.7724981918 | 3053824.3052900005 | 4449587.077788193 | 0.3136836627977623 | 2109651.12055458 | 3047231.21777 | 5156882.33832458 | 0.40909429033821715
Autres passifs | 1898934.107503648 | 395026.59081 | 2293960.698313648 | 0.8277971409447448 | 2097899.182221207 | 299152.54504 | 2397051.727261207 | 0.8751997958000672
167092630.5771394 | 66132324.24160999 | 233224954.8187494 | 0.7164440473661805 | 159386884.3288307 | 60897993.01603 | 220284877.34486067 | 0.723548916520979
AVOIR DES ACTIONNAIRES
Capital versé | 0 | 12527000 | 12527000 | 0 | 0 | 12531625 | 12531625 | 0
Réserves | 0 | 2545510.76168 | 2545510.76168 | 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 | 6992280.95323 | 6992280.95323 | 0 | 0 | 5611021.728 | 5611021.728 | 0
0 | 22064791.71491 | 22064791.71491 | 0 | 0 | 20256104.8001 | 20256104.8001 | 0
0 | 0
167092630.5771394 | 88197115.95651999 | 255289746.5336594 | 0.6545215107380296 | 159386884.3288307 | 81154097.81613 | 240540982.1449607 | 0.6626184149891642
*Converties au taux de 130.5296 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 | -0.019346135009300994 | 1316082.62403 | 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 | -0.10120642577921093 | 58113.07143 | 0 | 0 | 0 | 0 | 0 | 0 | 468 | 45.73931623931624 | 21874 | 0.7478627594404316 | 38232.75
Autres | 933424.3670300001 | 0.07139656752485225 | 1000067.66288 | 0 | 0 | 0 | 0 | 756655.2505900001 | 0.08579927889138196 | 821575.72546 | 0.06789230000529727 | 877354.39109 | 0.07268272894921718 | 941122.90249
2340127.1447 | 0.014587332879460247 | 2374263.35834 | 0 | 0 | 0 | 0 | 2387229.4343 | -0.03366879884487019 | 2306854.28668 | 0.006009189996976563 | 2320716.612384 | 0.001657326635865808 | 2324562.79784
Dépenses d'intérêt | 324294.84391 | -0.0011951157944020373 | 323907.27402 | 0 | 0 | 0 | 0 | 322108.39846 | -0.27958881935574104 | 232050.49163 | 0.22457468925811466 | 284163.15868 | 0.1884096149856325 | 337702.23
2015832.30079 | 0.017126317261842716 | 2050356.08432 | 0 | 0 | 0 | 0 | 2065121.0358399998 | 0.0046887126913902795 | 2074803.7950499998 | -0.018435642655588103 | 2036553.453704 | -0.02440048198765441 | 1986860.5678400001
AUTRES REVENUS
Commissions | 667437.9279000002 | -0.07788107092377941 | 615457.1473 | 0 | 0 | 0 | 0 | 660580.3835099998 | -0.12739928755199842 | 576422.91328 | -0.024593860884766006 | 562246.4483400001 | 0.6157739877631679 | 908463.18594
Gains sur change | 396445.88928999996 | 0.11413021287982701 | 441692.34303 | 0 | 0 | 0 | 0 | 538623.91848 | -0.31580684259255765 | 368522.79944000003 | 0.13205114930188472 | 417186.65865 | -0.04228382956224716 | 399546.40908
Autres | 408018.70681 | 0.5450107204607949 | 630393.27617 | 0 | 0 | 0 | 0 | 313443.26896 | 0.6016739996546774 | 502033.93426 | -0.9548666855291393 | 22658.455429999958 | 27.421718197849867 | 643992.23503
1471902.5240000002 | 0.14650443149861714 | 1687542.7665 | 0 | 0 | 0 | 0 | 1512647.5709499998 | -0.043412573577041445 | 1446979.64698 | -0.30745980808266965 | 1002091.5624200001 | 0.9479276178476296 | 1952001.83005
0
PRODUIT NET BANCAIRE | 3487734.82479 | 0.07172679076743241 | 3737898.85082 | 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 | -0.07600225032837822 | 117873.69029 | 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 | 0.07733534813076376 | 3620025.16053 | 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 | -0.04202400360194242 | 1177015.91304 | 0 | 0 | 0 | 0 | 1019987.8171300001 | -0.036831876007801356 | 982419.75232 | 0.08207774983104693 | 1063054.55498 | -0.07006999880772953 | 988566.32358
Frais de locaux | 91475.30219 | 0.06934803524151113 | 97818.93467 | 0 | 0 | 0 | 0 | 91346.85015 | -0.024366909163752934 | 89121.00975 | 0.12892433021384164 | 100610.87624 | -0.10116314577880071 | 90432.7635
Amortissement | 193117.06337 | -0.04164969723358724 | 185073.79615 | 0 | 0 | 0 | 0 | 185919.64401 | 0.018611814520330613 | 189379.94594 | 0.02856080686449056 | 194788.79 | 0.027718876173521013 | 200188.11635
Autres dépenses d'exploitation | 911380.4316700001 | 0.036512199081370024 | 944656.9354300001 | 0 | 0 | 0 | 0 | 979260.2081899999 | 0.07010484157922621 | 1047911.0899499999 | -0.06449956644053167 | 980321.27898 | -0.0911544148495658 | 890960.6664300001
2424621.44549 | -0.008271751550043073 | 2404565.5792900003 | 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 | 0.2992006786454608 | 1215459.5812399997 | 0 | 0 | 0 | 0 | 1046739.2340399995 | -0.0569814571388475 | 987094.5072399992 | -0.6367687768757638 | 358543.5452040001 | 3.262408952475963 | 1528259.21693
Impôts sur le revenu | 177584.99439 | 0.3592082177839236 | 241374.98372999998 | 0 | 0 | 0 | 0 | 224616.16437 | -0.304156857818398 | 156297.6176 | 0.2679156007173844 | 198172.18771000003 | 0.46853070323810464 | 291021.94218
BÉNÉFICE NET (PERTE NETTE) | 757959.1453399999 | 0.2851412948821296 | 974084.5975099998 | 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- mars 25) | 2024 (oct23.- mars 24) | 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 | 1316082.62403 | -0.11363600286582286 | 1484810.56122 | 0 | 0 | 1421488.221294 | 0 | 0 | 1345207.14535 | 2658128.6517000003 | -0.14677355468666967 | 3115384.74493 | 5882080.111574
Intérêts sur Bons B.R.H. | 64656.75 | 0 | 0 | 58113.07143 | 123.17322955128206 | 468 | 0 | 0 | 21874 | 0 | 0 | 38232.75 | 122769.82143000001 | 261.3286782692308 | 468 | 60574.75
Autres | 933424.3670300001 | 0.23361909707514053 | 756655.2505900001 | 1000067.66288 | 0.21725561246355277 | 821575.72546 | 0 | 0 | 877354.39109 | 0 | 0 | 941122.90249 | 1933492.02991 | 0.22510079909161837 | 1578230.9760500002 | 3396708.26963
2340127.1447 | -0.019730943713758057 | 2387229.4343 | 2374263.35834 | 0.029221209180495884 | 2306854.28668 | 0 | 0 | 2320716.612384 | 0 | 0 | 2324562.79784 | 4714390.503040001 | 0.004326037469089181 | 4694083.72098 | 9339363.131204
Dépenses d'intérêt | 324294.84391 | 0.006787918168086871 | 322108.39846 | 323907.27402 | 0.39584825588934264 | 232050.49163 | 0 | 0 | 284163.15868 | 0 | 0 | 337702.23 | 648202.11793 | 0.16970444672416343 | 554158.89009 | 1176024.27877
2015832.30079 | -0.023867237897729956 | 2065121.0358399998 | 2050356.08432 | -0.01178314344147938 | 2074803.7950499998 | 0 | 0 | 2036553.453704 | 0 | 0 | 1986860.5678400001 | 4066188.385110001 | -0.017811059087308827 | 4139924.83089 | 8163338.852434
AUTRES REVENUS
Commissions | 667437.9279000002 | 0.010381089964498762 | 660580.3835099998 | 615457.1473 | 0.06771804715028551 | 576422.91328 | 0 | 0 | 562246.4483400001 | 0 | 0 | 908463.18594 | 1282895.0752000003 | 0.03709915610499082 | 1237003.2967899998 | 2707712.93107
Gains sur change | 396445.88928999996 | -0.2639653092109747 | 538623.91848 | 441692.34303 | 0.19854821384507812 | 368522.79944000003 | 0 | 0 | 417186.65865 | 0 | 0 | 399546.40908 | 838138.23232 | -0.0760720225700974 | 907146.71792 | 1723879.78565
Autres | 408018.70681 | 0.3017306390524826 | 313443.26896 | 630393.27617 | 0.25567861682338694 | 502033.93426 | 0 | 0 | 22658.455429999958 | 0 | 0 | 643992.23503 | 1038411.98298 | 0.27337953639870965 | 815477.20322 | 1482127.89368
1471902.5240000002 | -0.02693624591246341 | 1512647.5709499998 | 1687542.7665 | 0.16625190272861176 | 1446979.64698 | 0 | 0 | 1002091.5624200001 | 0 | 0 | 1952001.83005 | 3159445.2905 | 0.06751460838022552 | 2959627.21793 | 5913720.6104
PRODUIT NET BANCAIRE | 3487734.82479 | -0.025164786182407316 | 3577768.6067899996 | 3737898.85082 | 0.06136533161318648 | 3521783.4420299996 | 0 | 0 | 3038645.016124 | 0 | 0 | 3938862.39789 | 7225633.675610001 | 0.017759096056061283 | 7099552.04882 | 14077059.462834
Dotation à la provision pour créances douteuses | 127569.23956999999 | -0.49877487332863363 | 254514.85327000002 | 117873.69029 | -0.4781050891532282 | 225857.13683 | 0 | 0 | 341325.97072000004 | 0 | 0 | 240455.3111 | 245442.92985999997 | -0.48905653344004174 | 480371.99010000005 | 1062153.2719200002
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 3360165.58522 | 0.011107136089413234 | 3323253.75352 | 3620025.16053 | 0.0983331620062828 | 3295926.3051999994 | 0 | 0 | 2697319.0454039997 | 0 | 0 | 3698407.08679 | 6980190.745750002 | 0.05454009164691206 | 6619180.05872 | 13014906.190914001
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 1228648.64826 | 0.2045718856889106 | 1019987.8171300001 | 1177015.91304 | 0.19807842855404534 | 982419.75232 | 0 | 0 | 1063054.55498 | 0 | 0 | 988566.32358 | 2405664.5613 | 0.20138607044956508 | 2002407.56945 | 4054028.44801
Frais de locaux | 91475.30219 | 0.0014062010872742039 | 91346.85015 | 97818.93467 | 0.09759679501387163 | 89121.00975 | 0 | 0 | 100610.87624 | 0 | 0 | 90432.7635 | 189294.23686 | 0.0489083040320357 | 180467.85989999998 | 371511.49964
Amortissement | 193117.06337 | 0.03871252765314501 | 185919.64401 | 185073.79615 | -0.022738150909411944 | 189379.94594 | 0 | 0 | 194788.79 | 0 | 0 | 200188.11635 | 378190.85952 | 0.007703897492627687 | 375299.58995 | 770276.4963
Autres dépenses d'exploitation | 911380.4316700001 | -0.06931740506996026 | 979260.2081899999 | 944656.9354300001 | -0.09853331595615286 | 1047911.0899499999 | 0 | 0 | 980321.27898 | 0 | 0 | 890960.6664300001 | 1856037.3671000001 | -0.08442006415393757 | 2027171.2981399999 | 3898453.24355
2424621.44549 | 0.06505863447944539 | 2276514.5194800003 | 2404565.5792900003 | 0.041464164437871584 | 2308831.79796 | 0 | 0 | 2338775.5001999997 | 0 | 0 | 2170147.86986 | 4829187.024780001 | 0.053178253169792744 | 4585346.317439999 | 9094269.6875
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 935544.1397299999 | -0.10622998612637315 | 1046739.2340399995 | 1215459.5812399997 | 0.2313507696831672 | 987094.5072399992 | 0 | 0 | 358543.5452040001 | 0 | 0 | 1528259.21693 | 2151003.720970001 | 0.05761040212473762 | 2033833.7412800007 | 3920636.5034140013
Impôts sur le revenu | 177584.99439 | -0.20938461892051408 | 224616.16437 | 241374.98372999998 | 0.5443292574537616 | 156297.6176 | 0 | 0 | 198172.18771000003 | 0 | 0 | 291021.94218 | 418959.97812 | 0.09988138510828788 | 380913.78197 | 870107.9118600001
BÉNÉFICE NET (PERTE NETTE) | 757959.1453399999 | -0.07804661698126902 | 822123.0696699995 | 974084.5975099998 | 0.17247020259318727 | 830796.8896399993 | 0 | 0 | 160371.35749400005 | 0 | 0 | 1237237.27475 | 1732043.742850001 | 0.047869095593128325 | 1652919.9593100008 | 3050528.591554001
[UNIBKVARAN ]
UNIBANK (UNIBK)
RÉSULTATS
ANALYSE DES VARIATIONS ANNUELLES
(En milliers de gourdes)
CUMUL (Octobre-Mars) | ANNÉE
2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 2658128.6517000003 | -0.14677355468666967 | 3115384.74493 | 5882080.111574 | -0.0023779637595377147 | 5896100.82566 | 0.6069468825982995 | 3669132.37115 | 0.2527335499592418 | 2928900.85946
Intérêts sur Bons B.R.H. | 122769.82143000001 | 261.3286782692308 | 468 | 60574.75 | 0 | 0 | 0 | 0 | 0 | 6070
Autres | 1933492.02991 | 0.22510079909161837 | 1578230.9760500002 | 3396708.26963 | 0.3946194413108697 | 2435580.75344 | 1.2553549290930437 | 1079910.18266 | 0.16670824884127314 | 925604.30916
4714390.503040001 | 0.004326037469089181 | 4694083.72098 | 9339363.131204 | 0.12094575897280645 | 8331681.5791 | 0.7543918557680149 | 4749042.55381 | 0.2301386053590538 | 3860575.1686199997
Dépenses d'intérêt | 648202.11793 | 0.16970444672416343 | 554158.89009 | 1176024.27877 | 0.06816352641038065 | 1100977.7526500002 | 0.3053190799927057 | 843454.8835799999 | 0.17727536132105284 | 716446.56067
4066188.385110001 | -0.017811059087308827 | 4139924.83089 | 8163338.852434 | 0.12898260644730192 | 7230703.82645 | 0.8513740919363828 | 3905587.6702300003 | 0.24218445147397416 | 3144128.6079499996
AUTRES REVENUS
Commissions | 1282895.0752000003 | 0.03709915610499082 | 1237003.2967899998 | 2707712.93107 | 0.029393823026415963 | 2630395.5497900005 | 0.27368200922791636 | 2065190.1579300002 | 0.2715738861321544 | 1624121.2409700002
Gains sur change | 838138.23232 | -0.0760720225700974 | 907146.71792 | 1723879.78565 | -0.36679732130249887 | 2722477.08932 | -0.0388297780549785 | 2832460.91812 | 0.2501682034465221 | 2265663.86052
Autres | 1038411.98298 | 0.27337953639870965 | 815477.20322 | 1482127.89368 | -0.4705983193926729 | 2799628.2368799997 | 0.2525492928015777 | 2235144.15997 | -0.057890349172199214 | 2372488.33828
3159445.2905 | 0.06751460838022552 | 2959627.21793 | 5913720.6104 | -0.2746126985626523 | 8152500.875990001 | 0.14296017286751403 | 7132795.236020001 | 0.13901050546939595 | 6262273.43977
PRODUIT NET BANCAIRE | 7225633.675610001 | 0.017759096056061283 | 7099552.04882 | 14077059.462834 | -0.08490722608656613 | 15383204.702440001 | 0.39361035335437916 | 11038382.90625 | 0.1734968216594115 | 9406402.04772
Dotation à la provision pour créances douteuses | 245442.92985999997 | -0.48905653344004174 | 480371.99010000005 | 1062153.2719200002 | 1.0371129732277582 | 521401.26045 | 3.7968290200286745 | -186425.86183 | -58.90937034940303 | -3111.7980499999976
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 6980190.745750002 | 0.05454009164691206 | 6619180.05872 | 13014906.190914001 | -0.12427140880210023 | 14861803.441990001 | 0.3240139541844603 | 11224808.76808 | 0.19292122335587583 | 9409513.84577
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 2405664.5613 | 0.20138607044956508 | 2002407.56945 | 4054028.44801 | 0.05510592143531269 | 3842295.22899 | 0.2969862958212676 | 2962479.43511 | 0.34269215937793973 | 2206372.78204
Frais de locaux | 189294.23686 | 0.0489083040320357 | 180467.85989999998 | 371511.49964 | -0.07680041489773225 | 402417.31651000003 | 0.40340510372852617 | 286743.51791999995 | -0.15228925644838956 | 338256.32162999996
Amortissement | 378190.85952 | 0.007703897492627687 | 375299.58995 | 770276.4963 | 0.2980467808954709 | 593411.96915 | 0.12983185285600465 | 525221.4899500001 | 0.1312687781199653 | 464276.48328
Autres dépenses d'exploitation | 1856037.3671000001 | -0.08442006415393757 | 2027171.2981399999 | 3898453.24355 | 0.06558198374172401 | 3658520.2293499997 | 0.4346193216755654 | 2550167.96029 | 0.30674324416875764 | 1951544.7825500001
4829187.024780001 | 0.053178253169792744 | 4585346.317439999 | 9094269.6875 | 0.07033658126309453 | 8496644.743999999 | 0.3434253677912339 | 6324612.40327 | 0.2750076973167062 | 4960450.3695
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 2151003.720970001 | 0.05761040212473762 | 2033833.7412800007 | 3920636.5034140013 | -0.38404732867822056 | 6365158.697990002 | 0.2989599240757782 | 4900196.36481 | 0.1013995172121529 | 4449063.4762699995
Impôts sur le revenu | 418959.97812 | 0.09988138510828788 | 380913.78197 | 870107.9118600001 | -0.17221588511279878 | 1051129.0277399998 | 1.4514879746382214 | 428771.84739000007 | 0.14566598283601573 | 374255.54552000004
BÉNÉFICE NET (PERTE NETTE) | 1732043.742850001 | 0.047869095593128325 | 1652919.9593100008 | 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 2 2025 | Trim 1 2025
Janvier | Nombre de jours de dépassement | Fevrier | Nombre de jours de dépassement | Mars | Nombre de jours de dépassement | Octobre1 | Nombre de jours de dépassement | Novembre1 | Nombre de jours de dépassement | Décembre 1 | Nombre de jours de dépassement
BNC | 0.0017 | 0 | 0.0024 | 0 | 0.0044 | 0 | BNC | 0.0047 | 0 | 0.0044 | 0 | 0.0013 | 0
BPH | 0.0379 | 0 | 0.0315 | 0 | 0.0329 | 0 | BPH | 0 | 0 | 0.0643 | 0 | 0.0472 | 0
BUH | 0.0004 | 0 | 0.0012 | 0 | 0.0002 | 0 | BUH | 0.0036 | 0 | 0.003 | 0 | 0.0035 | 0
CAPITALBK | 0.0006 | 0 | 0.0017 | 0.0049 | 0 | CAPITALBK | 0 | 0.0035 | 0.0046 | 0
CBNA | 0 | 0 | 0 | 0 | 0 | 0 | CBNA | 0 | 0 | 0 | 0 | 0 | 0
SCOTIA | 0 | 0 | SCOTIA | 0 | 0
SOGEBK | 0.0017 | 0.0031 | 0 | 0.0061 | 0 | SOGEBK | 0.0008 | 0 | 0.0016 | 0
SOGEBL | 0.0016 | 0 | 3.81e-05 | 0 | 0.0017 | 0 | SOGEBL | 0 | 0.0034 | 0 | 0.0025 | 0
UNIBK | 0.0033 | 0 | 0.0041 | 0 | 0.0012 | 0 | UNIBK | 0.0015 | 0 | 0.0014 | 0 | 0.0012 | 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
Produits pétroliers | 146878.18 | 4773.446599999999 | 83243.4338 | 87599.21272 | 144986.67606 | 50625 | 518105.94918
Produits pharmaceutiques | 0 | 0 | 1004.13114 | 492.85256 | 6080.81138 | 3176 | 0 | 10753.79508
Véhicules automobiles | 26554.24 | 0 | 47313.7431712 | 1353845.89952488 | 2715771.74416 | 564051 | 0 | 4707536.626856079
Produits alimentaires | 99769.96 | 0 | 636568.0090797599 | 561687.7482310398 | 1802195.72278 | 132666 | 0 | 3232887.4400907997
Librairie ,papeterie | 228.45 | 0 | 0 | 32767.336429439998 | 122572.20153 | 114 | 0 | 155681.98795944
Appareils électro- ménagers électroni.équip. inform. | 2998.38 | 0 | 59696.08921056 | 276617.76466384 | 1516975.64813 | 411313 | 0 | 2267600.8820044002
Matériaux de construction | 28217.62 | 0 | 27764.122664159997 | 140465.05538448 | 1102725.83049 | 39 | 0 | 1299211.62853864
Autres | 432708.13999999996 | 428545.38785 | 77634.70509087999 | 4737756.133863685 | 1540675.1495 | 103493 | 0 | 0 | 7320812.516304565
S-Total | 737354.97 | 433318.83445 | 933224.2341565599 | 7191232.003377365 | 8951983.78403 | 1265477 | 0 | 0 | 0 | 19512590.826013926
[Secteur d'activitésmars. 22 %]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 Mars 2022
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.007251663637137929 | 0.0003737739641799795 | 0.000212838307594491 | 0 | 0 | 0 | 0.0009173546809406942
200 | Industrie alimentaire | 0.05928998020050183 | 0.0005899443170309468 | 0.06208758349833722 | 0.030459388730968113 | 0.09119120442992247 | 0.06679366197199285 | 0.00120985834673208 | 0.13356439467937362 | 0.05895608177094257
210 | Industrie des boissons | 0.028251113797368187 | 0 | 0.08781836764167576 | 0.06993742390199471 | 0.051426417711478205 | 0.018257337261790907 | 0 | 0 | 0.05179545423606417
220 | Industrie du bois | 0.00201642389561674 | 0 | 3.7061516901321506e-05 | 0 | 0 | 0.00034920644406173217 | 0 | 0 | 0.0003823340024818024
230 | Industrie chimique | 6.184237218319202e-06 | 0 | 0.0006641323229661494 | 0.007939066391984538 | 0.0023662934237273963 | 0.005431546917893045 | 0 | 0.13356439467937362 | 0.0037962370394846656
240 | Industrie du textile | 3.419237067394277e-05 | 0 | 0.02918804808151418 | 0.03679262124395916 | 0.0019951166282847397 | 0.0100756555224762 | 0 | 0 | 0.01544711858998486
250 | Industrie pharmacie | 0 | 0 | 0.0027253308444815487 | 0.0008012574225144402 | 0.003382661751746943 | 0.002911637055752977 | 0 | 0 | 0.0017784060396357712
260 | Imprimerie, édition | 0.0003580414903672321 | 0 | 3.071133977459225e-05 | 0.0024403945065055786 | 0.0027994305681663394 | 0.0016272805774179885 | 0 | 0 | 0.0017731370914137764
270 | Sidérurgie, aciérie | 0.0008508292025373164 | 0 | 0.003923667669679385 | 0.01261421694105798 | 0 | 0.04790341676057623 | 0 | 0 | 0.008325265866638683
280 | Industrie de la fabrication | 5.4324554974868704e-05 | 0.001142676755222984 | 0.011601704808960459 | 0.04970085858202861 | 0.01575227293430384 | 0.005337848040954147 | 0 | 0 | 0.02126590776615474
290 | Autres industries | 0 | 0 | 0.000741759771228684 | 0.0002108798846169607 | 0.05552143432238319 | 0.016224998661170994 | 0 | 0 | 0.018181818914808256
300 | Production et distribution de l'électricité | 0.05659873012437295 | 0 | 0.02085778952176457 | 0.008399775244600562 | 0 | 0.0002905967622479487 | 0 | 0 | 0.014478713993687173
400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.0017551537151139162 | 0.013737802961298227 | 0 | 0 | 0.0016746529339926766
500 | Traitement et distribution de l'eau | 0 | 0 | 0.030008362003108226 | 0.003934918628477147 | 0.0006533454366747693 | 0.0009690900199510422 | 0 | 0 | 0.004523732475593737
600 | Entrep/ batiment et corps/ métiers corresp. | 0.03242040099917366 | 0.07504916333539735 | 0.05907656776526549 | 0.11794506848434527 | 0.02937377930052715 | 0.040944800329072294 | 0 | 0.1941748728740641 | 0.06010334583916316
700 | Commerce de gros(1) | 0.11330945623095735 | 0.24828056957017683 | 0.27647559964665336 | 0.21564206690825735 | 0.25898141883765646 | 0.2630138967769348 | 0 | 0.17808585957249817 | 0.21455137699986035
800 | Commerce de détail(2) | 0.027223749174592634 | 0.33829315605650456 | 0.058387878967582935 | 0.15365408073099224 | 0.1905325078206273 | 0.09694991385142913 | 0 | 0 | 0.12482703763490809
900 | Rest/débits/boissons, casinos/activités/loterie | 0.0009154794030217214 | 0 | 8.0453801155141e-05 | 9.125034487345366e-06 | 0.0001908811783861632 | 0.0007758696048734448 | 0 | 0 | 0.00029174166866970574
1000 | Hotels,motels et pensions | 0.08093192584101386 | 0 | 0.004315221657439863 | 0.007688513639461004 | 0.02364086904728997 | 0.01889422913750069 | 0.032007306442317175 | 0 | 0.026455539970981407
1100 | Transport | 0.033994752727517036 | 0.10068046368041794 | 0.019265718538882256 | 0.006024162118154183 | 0.017529341732844095 | 0.002845289363660511 | 0 | 0 | 0.01599517650585655
1200 | Immobilier résidentiel | 0.08856471484957729 | 0.16426380969363724 | 0.10403235574079059 | 0.010292331291741567 | 0.06679037393056045 | 0.10204604483862839 | 0.7441371332052524 | 0 | 0.08239236602223936
1300 | Immobilier commercial | 0.12193001523735504 | 0.037799681633962114 | 0.10558287730156529 | 0.13821860135077643 | 0.03531836192523479 | 0.009718174770393698 | 0.21837665228217285 | 0 | 0.09190513890863568
1400 | Télécommunications | 0.04792106605610542 | 0 | 0.000500202943887212 | 0.000714664969648917 | 0.0014249234181931605 | 0.002295890633874052 | 0 | 0 | 0.009188395059533174
1500 | Services financiers | 0.01338274066038146 | 0 | 0.015308985399045785 | 0.022534051291218174 | 0.06409242838893296 | 0.1715934424883112 | 0 | 0 | 0.04422316919919872
1510 | Services professionnels | 0.01895238284582122 | 0.005367045826383122 | 0.01493531548483985 | 0.003835816120218626 | 0.0053148752884411505 | 0.04720071349051607 | 0 | 0.1941748728740641 | 0.01181188445534399
1520 | Services médicaux | 0.0003384446579449069 | 0 | 0.001422100314220434 | 5.508366569187303e-05 | 0.0006021625757391878 | 0.003089917748015296 | 0 | 0 | 0.0006595423998418042
1530 | Services d'agence ou de représentation | 5.309213802951052e-07 | 0.0006053497816103202 | 0.001303062892692843 | 0.00034757575155491425 | 0.0014118352369987279 | 1.4020355257414872e-05 | 0 | 0 | 0.0006678788964377345
1540 | Services d'enseignement | 0.016091347952039158 | 0 | 0.0003002418426277827 | 0.0006621755005851061 | 0.0015847465513552576 | 0.0001341510494848822 | 0 | 0 | 0.0035046314534860263
1550 | Autres services | 0.1176368169665614 | 0.008659620234441652 | 0.03202478778918201 | 0.012706367558336148 | 0.03653468583779367 | 0.02642530510170082 | 0 | 0.16643560532062637 | 0.040951593550911075
1560 | Crédit à la consommation | 0.13892635560292643 | 0.01926851911521533 | 0.05005244725663911 | 0.08606574014164287 | 0.03962063970002291 | 0.024148261502762967 | 0.004269049723525499 | 0 | 0.06917496603310959
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1.0000000000000002 | 1.0000000000000004 | 1 | 0.9999999999999998 | 0.9999999999999996 | 0.9999999999999998 | 1 | 1 | 1
(1) Commerce de gros
Import-export | 0.03205059477176799 | 0.02516531372643384 | 0.05854060207542879 | 0.05401817894166574 | 0.050654800406566204 | 0.0177728247754266 | 0 | 0 | 0.04512582928669867
Produits pétroliers | 0.005704118282424044 | 0 | 0.0536872708541212 | 0.024958685852845403 | 0.008653521436004381 | 0.10429129425430402 | 0 | 0 | 0.026074385680376875
Produits pharmaceutiques | 0 | 0 | 0.0020896687300818663 | 0.002867790164056127 | 0.0018408845037124226 | 0.0006178802711200772 | 0 | 0 | 0.0017438574688723486
Produits alimentaires | 0.008802738036534618 | 0.01099419401860345 | 0.03827860364230004 | 0.06447943736041092 | 0.05042874827355871 | 0.08489643045259955 | 0 | 0 | 0.049158191134961796
Matériaux de construction | 0.005435217872689086 | 0.15320359396976113 | 0.0778519246404118 | 0.016169910332247222 | 0.11933753858847328 | 0.03760066525479155 | 0 | 0 | 0.05833401357954576
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.044852088665899396 | 0.08417694729947006 | 0.02859752179643176 | 0.06436341695359397 | 0.04765560611667916 | 0.0007802317660159508 | 0 | 0 | 0.044832690568225524
S-Total | 0.09684475762931513 | 0.2735400490142685 | 0.25904559173877545 | 0.22685741960481937 | 0.2785710993249942 | 0.24595932677425775 | - | 0 | 0.225268967718681
(2) Commerce de détail
Produits pétroliers | 0.004189111827389048 | 0 | 0.004014391855429044 | 0.0011665486617489463 | 0.0017348770463548853 | 0.004448076738703526 | 0 | 0 | 0.002291940959462693
Produits pharmaceutiques | 0 | 0 | 0.00013860448825868255 | 4.228813123875291e-06 | 0.0001091382580419256 | 0.00019854111903084464 | 0 | 0 | 7.016561637524103e-05
Véhicules automobiles | 0.0010064040855946022 | 0 | 0.003808062353415466 | 0.02559117767420288 | 0.05770788887857303 | 0.04173572831133583 | 0 | 0 | 0.03146258750817694
Produits alimentaires | 0.006525995144565175 | 0 | 0.034025197999337335 | 0.014864306215874888 | 0.036932592501709056 | 0.015352075431168273 | 0 | 0 | 0.022564783579663145
Librairie ,papeterie | 7.397338625677486e-06 | 0 | 0 | 0.0007387266836909887 | 0.002278344910867879 | 7.674797940532204e-07 | 0 | 0 | 0.0009903520984834685
Appareils électro- ménagers électroni.équip. inform. | 0.00018845699482760589 | 0 | 0.004334787407877403 | 0.006619318682956672 | 0.0439714097720231 | 0.04527109446418837 | 0 | 0 | 0.021427657112564898
Matériaux de construction | 0.0034380268119164554 | 0 | 0.0013937354877970889 | 0.00246486645863814 | 0.029527983399700867 | 6.700688971156962e-05 | 0 | 0 | 0.01129155070324652
Autres | 0.03041785394158875 | 0.3498907757718453 | 0.030446787818713128 | 0.07064173196225626 | 0.03125167082124464 | 0.010573392011949513 | 0 | 0 | 0.04263643786962351
S-Total | 0.04577324614450731 | 0.3498907757718453 | 0.07816156741082815 | 0.12209090515249266 | 0.2035139055885154 | 0.11764668244588197 | - | 0 | 0.1327354754475964
[Secteur d'activitémars 22 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31MARS 2022
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3806340.3899999997 | 751340.77813 | 5352184.71543168 | 17283590.92705625 | 21119972.797130004 | 4698410 | 0 | 38666.666800000006 | 0 | 53050506.27454793
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6723839.68 | 18742.1115 | 1113870.8223752799 | 2238920.374723866 | 6266375.89879 | 3499723 | 157238.13318696004 | 78297.0935391216 | 0 | 20097007.114115227
Industries Manufacturières ( 200 à 290 ) | 2460971.6599999997 | 2219.3098800000002 | 3177750.6226125597 | 9870241.20144584 | 10544851.36189 | 2283038 | 5943.5138099999995 | 58000.000199999995 | 0 | 28403015.669838402
Prêts aux Particuliers ( 1560 ) | 3762818.8800000004 | 24680.996629999998 | 799997.4923677603 | 4028000.4407075 | 1861537.0582400002 | 315194 | 20972.005570639998 | 0 | 0 | 10813200.873515902
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5701247.550000001 | 258822.6069 | 3350318.9152000006 | 6950525.274626723 | 4797479.223069999 | 1458797 | 4728416.340484798 | 0 | 0 | 27245606.910281524
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2218689.09 | 128961.34726000001 | 315922.36718168005 | 315386.8012388 | 890547.63521 | 67105 | 0 | 0 | 0 | 3936612.24089048
Bâtiments et Travaux Publics ( 600 ) | 878106.22 | 96130.2805 | 944231.67417928 | 5519998.864267601 | 1380098.3306300002 | 534430 | 0 | 42159.9734441424 | 0 | 9395155.343021024
Électricité, Gaz et Eau ( 300 à 500 ) | 1532976.01 | 0 | 813003.07770464 | 577281.4162172 | 113160.98023 | 195754 | 0 | 0 | 0 | 3232175.4841518397
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 115904.67685744 | 17493.15918232 | 10000 | 0 | 0 | 0 | 0 | 143397.83603976
Total | 27084989.480000004 | 1280897.4307999997 | 15983184.36391032 | 46801438.4594661 | 46984023.28519 | 13052451 | 4912569.993052398 | 217123.733983264 | 0 | 156316677.74640208
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.14053320540554992 | 0.5865737256266813 | 0.3348634786142363 | 0.3692961476392497 | 0.44951392665828394 | 0.35996381062836397 | 0 | 0.17808585957249817 | #DIV/0! | 0.3393784146347684
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.24824966924816388 | 0.014632015842435089 | 0.0696901691812037 | 0.0478387085615532 | 0.13337248410493716 | 0.2681276489756598 | 0.032007306442317175 | 0.3606104781946905 | #DIV/0! | 0.12856598159487045
Industries Manufacturières ( 200 à 290 ) | 0.09086108974925838 | 0.0017326210722539304 | 0.1988183674955193 | 0.21089610760563016 | 0.22443483177001317 | 0.17491258921408706 | 0.00120985834673208 | 0.26712878935874723 | #DIV/0! | 0.18170176131760932
Prêts aux Particuliers ( 1560 ) | 0.13892635560292638 | 0.019268519115215328 | 0.05005244725663912 | 0.08606574014164288 | 0.03962063970002292 | 0.024148261502762967 | 0.004269049723525499 | 0 | #DIV/0! | 0.06917496603310959
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.21049473008693226 | 0.20206349132759932 | 0.2096152330423559 | 0.14851093264251802 | 0.10210873585579526 | 0.1117642196090221 | 0.9625137854874253 | 0 | #DIV/0! | 0.17429750493087506
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.08191581878362242 | 0.10068046368041793 | 0.01976592148276947 | 0.006738827087803101 | 0.01895426515103726 | 0.005141179997534563 | 0 | 0 | #DIV/0! | 0.025183571565389723
Bâtiments et Travaux Publics ( 600 ) | 0.03242040099917365 | 0.07504916333539734 | 0.0590765677652655 | 0.11794506848434529 | 0.02937377930052716 | 0.040944800329072294 | 0 | 0.1941748728740641 | #DIV/0! | 0.06010334583916316
Électricité, Gaz et Eau ( 300 à 500 ) | 0.05659873012437293 | 0 | 0.0508661515248728 | 0.01233469387307771 | 0.0024084991517886864 | 0.014997489743497218 | 0 | 0 | #DIV/0! | 0.020677099403273586
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.00725166363713793 | 0.00037377396417997955 | 0.00021283830759449105 | 0 | 0 | 0 | #DIV/0! | 0.0009173546809406942
Total | 0.9999999999999997 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | #DIV/0! | 0.9999999999999999
[Secteur d' activitédéc. 21 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2021
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 755.6581600000001 | 117933.009497424 | 32394.8739943 | 15929.04593 | 0 | 0 | 0 | 0 | 167012.58758172402
200 | Industrie alimentaire | 1720411.28 | 0 | 1048336.621802648 | 1480825.671031854 | 3923345.73773 | 730415 | 6691.59237 | 0 | 0 | 8910025.902934503
210 | Industrie des boissons | 769557.62 | 0 | 1353953.8356847768 | 2721194.528337106 | 2606654.1565300003 | 235343 | 0 | 29000.000099999997 | 0 | 7715703.140651884
220 | Industrie du bois | 52273.57 | 0 | 822.717152339 | 0 | 0 | 3146 | 0 | 0 | 0 | 56242.287152339
230 | Industrie chimique | 200.8 | 0 | 11526.90323 | 394273.98041547695 | 17593.20595 | 67958 | 0 | 29000.000099999997 | 0 | 520552.8896954769
240 | Industrie du textile | 926.1 | 0 | 467750.91108222003 | 1719494.0931790888 | 41989.5835 | 306993 | 0 | 0 | 0 | 2537153.687761309
250 | Industrie pharmacie | 0 | 0 | 44535.07586 | 49999.99996 | 57747.94593 | 61866 | 0 | 0 | 0 | 214149.02175
260 | Imprimerie, édition | 563.63 | 0 | 282.56783431499997 | 105701.107026279 | 95660.85068 | 23093 | 0 | 0 | 0 | 225301.15554059402
270 | Sidérurgie, aciérie | 21997.87 | 0 | 61141.04298866299 | 586987.6305431421 | 0 | 609876 | 0 | 0 | 0 | 1280002.543531805
280 | Industrie de la fabrication | 1335.95 | 1596.46617 | 204539.16144113397 | 2316445.6420845306 | 763809.26727 | 65465 | 0 | 0 | 0 | 3353191.4869656647
290 | Autres industries | 0 | 0 | 7972.265220512 | 13894.979753988 | 2103637.0977000003 | 110775 | 0 | 0 | 0 | 2236279.3426745003
300 | Production et distribution de l'électricité | 1462036.23 | 0 | 331550.49761 | 460121.66763647 | 0 | 6036 | 0 | 0 | 0 | 2259744.39524647
400 | Production et distribution de gaz | 0 | 0 | 0 | 1332.50039 | 110246.93392 | 175630 | 0 | 0 | 0 | 287209.43431
500 | Traitement et distribution de l'eau | 0 | 0 | 479359.80710776494 | 237352.02164441702 | 29237.14804 | 12433 | 0 | 0 | 0 | 758381.976792182
600 | Entrep/ batiment et corps/ métiers corresp. | 896575.31 | 93155.59782 | 1768204.822061115 | 5463597.210064706 | 1158457.90772 | 469449 | 0 | 41151.932520143346 | 0 | 9890591.780185966
700 | Commerce de gros(1) | 3140587.02 | 315886.49717 | 4062757.8947041477 | 9058898.885578278 | 13349944.726460002 | 2438573 | 0 | 38666.666800000006 | 0 | 32405314.69071243
800 | Commerce de détail(2) | 761574.8700000001 | 420280.00201999996 | 903073.706494738 | 7319485.851775953 | 7642412.660729999 | 1260547 | 0 | 0 | 0 | 18307374.09102069
900 | Rest/débits/boissons, casinos/activités/loterie | 15887.65 | 0 | 1426.8733393930002 | 3331.5931800000003 | 9489.8336 | 12585 | 0 | 0 | 0 | 42720.950119393
1000 | Hotels,motels et pensions | 2184391.75 | 0 | 74492.258058066 | 360138.44536486303 | 1151241.48952 | 257306 | 158531.075076086 | 0 | 0 | 4186101.0180190154
1100 | Transport | 888457.13 | 127611.469 | 289814.07271911297 | 345511.93133759295 | 695406.02554 | 41583 | 0 | 0 | 0 | 2388383.628596706
1200 | Immobilier résidentiel / Avance Hypothécaire | 2374284.5999999996 | 211081.46713 | 1682667.3559601528 | 443435.604702511 | 3130357.3874399997 | 1317466 | 3685024.984020527 | 0 | 0 | 12844317.39925319
1300 | Immobilier commercial | 3281487.74 | 49213.73556 | 1481449.4350384418 | 6507898.229504181 | 1777777.21905 | 124098 | 1068425.6341723513 | 0 | 0 | 14290349.993324975
1400 | Télécommunications | 1299356.2 | 0 | 8630.614311033998 | 31429.507941423 | 71635.07688000001 | 28870 | 0 | 0 | 0 | 1439921.399132457
1500 | Services financiers | 454678.8 | 0 | 221272.56872672698 | 1160407.23288199 | 1383907.30604 | 2249807 | 0 | 0 | 0 | 5470072.907648717
1510 | Services professionnels | 463821.8 | 6869.645030000001 | 204185.072982095 | 145054.97078065804 | 208071.37369 | 634802 | 0 | 41151.932520143346 | 0 | 1703956.7950028966
1520 | Services médicaux | 9529.09 | 0 | 20028.541865434 | 3608.80506 | 31282.79637 | 58489 | 0 | 0 | 0 | 122938.233295434
1530 | Services d'agence ou de représentation | 982.17 | 775.39098 | 16574.26769432 | 18633.614519274997 | 29915.74833 | 631 | 0 | 0 | 0 | 67512.191523595
1540 | Services d'enseignement | 354492.03 | 0 | 22089.862784611003 | 42476.35982138799 | 68405.13027 | 2105 | 0 | 0 | 0 | 489568.38287599897
1550 | Autres services | 3512824.75 | 10279.719539999998 | 198295.32135562904 | 619755.3937044345 | 1586267.94 | 1000463 | 0 | 35273.08501726572 | 0 | 6963159.20961733
1560 | Crédit à la consommation | 3940276.150000001 | 23845.48137 | 814307.8134983567 | 4087499.092119616 | 1682765.9938499997 | 328443 | 61418.82507620502 | 0 | 0 | 10938556.35591418
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 27608510.110000007 | 1261351.1299499997 | 15898974.898105172 | 45731181.42433353 | 43743189.588669986 | 12634246 | 4980092.110715169 | 214243.61705755242 | 0 | 152071788.87883142
(1) Commerce de gros
Import-export | 893420.26 | 39152.85997 | 1190873.7224201378 | 1161544.174482765 | 2592951.77355 | 0 | 5877942.790422902
Produits pétroliers | 476432.56 | 0 | 630097.7624278101 | 2461092.6891275537 | 903168.39181 | 0 | 4470791.403365364
Produits pharmaceutiques | 0 | 0 | 21120.877911851 | 113282.196833026 | 72240.25612 | 0 | 206643.330864877
Produits alimentaires | 338941.94 | 12331.749619999999 | 1110685.7757976442 | 2786113.2249264973 | 3004472.36723 | 0 | 7252545.057574142
Matériaux de construction | 111211.41 | 159917.42 | 815179.189119247 | 277103.229456392 | 4887159.38674 | 0 | 6250570.635315639
Appareils électroménagers électron.,équipe.inform. | 75304.51975 | 0 | 75304.51975
Autres | 1320580.86 | 104484.46758 | 294800.567027457 | 2259763.3707520454 | 1814648.03126 | 0 | 0 | 0 | 5794277.296619503
S-Total | 3140587.0300000003 | 315886.49717 | 4062757.8947041472 | 9058898.88557828 | 13349944.726460002 | 0 | 0 | 0 | 0 | 29928075.033912428
(2) Commerce de détail
Produits pétroliers | 110514.29 | 4834.70675 | 95527.25216 | 108715.28666000001 | 90183.49093999999 | 409775.02651
Produits pharmaceutiques | 0 | 0 | 1018.10312 | 2774.6951799999997 | 5986.179190000001 | 0 | 9778.977490000001
Véhicules automobiles | 27291.89 | 0 | 69485.00245667 | 1480545.931597639 | 2804932.97106 | 0 | 4382255.795114309
Produits alimentaires | 95628.66 | 0 | 571662.0115911119 | 547419.6378292749 | 1880782.24862 | 0 | 3095492.558040387
Librairie ,papeterie | 253.45 | 0 | 0 | 35299.606833011 | 126111.70136 | 0 | 161664.758193011
Appareils électro- ménagers électroni.équip. inform. | 1342.42 | 0 | 56677.91050052099 | 236573.19763397495 | 832717.35092 | 0 | 1127310.879054496
Matériaux de construction | 26911.91 | 0 | 28245.015413495996 | 128390.495802435 | 532900.25914 | 0 | 716447.6803559309
Autres | 468824.19 | 0 | 80458.411252939 | 4779767.000239619 | 1369101.67548 | 0 | 0 | 0 | 6698151.276972557
S-Total | 730766.81 | 4834.70675 | 903073.7064947379 | 7319485.8517759545 | 7642715.8767099995 | 0 | 0 | 0 | 0 | 16600876.95173069
[Secteur d'activitésdéc. 21% ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2021
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0.00015173577982104496 | 0.007417648637930686 | 0.0007083760573275439 | 0.0003641491642421479 | 0 | 0 | 0 | 0.0010982483260902336
200 | Industrie alimentaire | 0.0623145281344557 | 0 | 0.06593737197028897 | 0.032381093706971405 | 0.08969043580549037 | 0.0578123142449498 | 0.0013436683943259535 | 0 | 0.05859091925349732
210 | Industrie des boissons | 0.027873927891576465 | 0 | 0.08515981969668623 | 0.05950413795540302 | 0.05958994259543331 | 0.018627387815624296 | 0 | 0.13535992576250105 | 0.050737241914078114
220 | Industrie du bois | 0.0018933861259346307 | 0 | 5.174655332256992e-05 | 0 | 0 | 0.00024900575784261283 | 0 | 0 | 0.00036984037320131764
230 | Industrie chimique | 7.273119744598922e-06 | 0 | 0.0007250092099569115 | 0.008621556848861203 | 0.000402193029713518 | 0.005378872629201616 | 0 | 0.13535992576250105 | 0.003423073362477809
240 | Industrie du textile | 3.3544004957535165e-05 | 0 | 0.029420193067791197 | 0.037600036553268386 | 0.0009599113346520988 | 0.02429848207799658 | 0 | 0 | 0.016683920840721327
250 | Industrie pharmacie | 0 | 0 | 0.0028011287611572778 | 0.001093345905413129 | 0.0013201585543491648 | 0.004896691104479049 | 0 | 0 | 0.0014082100521657626
260 | Imprimerie, édition | 2.0415082079921764e-05 | 0 | 1.7772707745370185e-05 | 0.002311357453145427 | 0.0021868741529716277 | 0.0018278099065033243 | 0 | 0 | 0.0014815447178050274
270 | Sidérurgie, aciérie | 0.0007967785987854595 | 0 | 0.0038455965482371906 | 0.012835610457918466 | 0 | 0.04827165784171054 | 0 | 0 | 0.008417094011774219
280 | Industrie de la fabrication | 4.838906535257435e-05 | 0.0012656794227181485 | 0.012864927629108389 | 0.05065352719822697 | 0.01746121566470854 | 0.005181551791852082 | 0 | 0 | 0.022050056172071723
290 | Autres industries | 0 | 0 | 0.0005014326566087056 | 0.0003038403846394944 | 0.0480906197623245 | 0.008767836244442289 | 0 | 0 | 0.014705418797015238
300 | Production et distribution de l'électricité | 0.052955998863207024 | 0 | 0.020853577022095553 | 0.010061442834093055 | 0 | 0.00047774912725302325 | 0 | 0 | 0.014859721266559186
400 | Production et distribution de gaz | 0 | 0 | 0 | 2.9137676930668084e-05 | 0.0025203222480272743 | 0.013901106563858262 | 0 | 0 | 0.0018886437545549246
500 | Traitement et distribution de l'eau | 0 | 0 | 0.030150359389830513 | 0.0051901572242811595 | 0.0006683817141576885 | 0.0009840713881936445 | 0 | 0 | 0.004986999774142525
600 | Entrep/ batiment et corps/ métiers corresp. | 0.03247459955020368 | 0.0738538188202144 | 0.1112150206785878 | 0.11947203286459444 | 0.0264831604328198 | 0.03715686713714455 | 0 | 0.19208008661041542 | 0.06503896516971103
700 | Commerce de gros(1) | 0.11375431008363092 | 0.25043502135882006 | 0.25553583930674323 | 0.1980902002404435 | 0.3051891014805605 | 0.19301294275891098 | 0 | 0.1804799010166681 | 0.21309221736408002
800 | Commerce de détail(2) | 0.027584786972048594 | 0.3331982602153454 | 0.05680075050639684 | 0.160054597843415 | 0.17471091460393817 | 0.09977223809002927 | 0 | 0 | 0.12038639267673597
900 | Rest/débits/boissons, casinos/activités/loterie | 0.000575462056326081 | 0 | 8.974624770072779e-05 | 7.285167529538745e-05 | 0.0002169442532480069 | 0.0009961021813252647 | 0 | 0 | 0.00028092620225196683
1000 | Hotels,motels et pensions | 0.07912023290270913 | 0 | 0.004685349749620898 | 0.007875117898730551 | 0.02631818805042478 | 0.0203657582731886 | 0.03183296042556933 | 0 | 0.027527137340078504
1100 | Transport | 0.03218055325912695 | 0.10117045600542535 | 0.01822847539394837 | 0.0075552811140310126 | 0.015897469573643495 | 0.0032912925710010714 | 0 | 0 | 0.015705632492425896
1200 | Immobilier résidentiel | 0.08599828786632047 | 0.16734552506276926 | 0.10583495896711503 | 0.00969657006207496 | 0.07156216583371415 | 0.10427737436804697 | 0.7399511699978049 | 0 | 0.08446219705804443
1300 | Immobilier commercial | 0.11885783502715784 | 0.039016681708566626 | 0.09317892785748091 | 0.14230767775532108 | 0.04064123434452219 | 0.009822351092419761 | 0.2145393318877629 | 0 | 0.09397107838792715
1400 | Télécommunications | 0.047063611720552914 | 0 | 0.0005428409294527906 | 0.0006872664768878982 | 0.0016376281097378953 | 0.002285059195459705 | 0 | 0 | 0.009468695079793962
1500 | Services financiers | 0.016468791622164063 | 0 | 0.013917411037179389 | 0.02537452995396568 | 0.031637091831969395 | 0.17807212238862533 | 0 | 0 | 0.03597033314316564
1510 | Services professionnels | 0.01679995762726799 | 0.005446259068458055 | 0.012842656478841892 | 0.0031719051697945942 | 0.00475665756536174 | 0.05024454961538662 | 0 | 0.19208008661041542 | 0.011204950027651641
1520 | Services médicaux | 0.00034515046129014016 | 0 | 0.0012597379386906878 | 7.891344477883438e-05 | 0.0007151466700110644 | 0.004629401707074566 | 0 | 0 | 0.000808422352375886
1530 | Services d'agence ou de représentation | 3.557490049578049e-05 | 0.0006147304755898833 | 0.001042473983419856 | 0.0004074597230798867 | 0.0006838949928276044 | 4.9943621487186495e-05 | 0 | 0 | 0.0004439494795276442
1540 | Services d'enseignement | 0.012839955093107338 | 0 | 0.0013893891226436023 | 0.0009288270824944476 | 0.0015637892644142655 | 0.00016661065488197713 | 0 | 0 | 0.0032193241526610825
1550 | Autres services | 0.12723702713416718 | 0.00814976836815256 | 0.012472207964757636 | 0.013552140452130613 | 0.03626319788099912 | 0.07918660124236936 | 0 | 0.16464007423749893 | 0.04578863220426422
1560 | Crédit à la consommation | 0.1427196228373368 | 0.018904713210940116 | 0.05121762998666067 | 0.08938100798648208 | 0.03846921108573794 | 0.025996248608741668 | 0.01233286929453699 | 0 | 0.07193021425315027
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 0.9999999999999998 | 0.999552649496821 | 1 | 0.9999999999999997 | 1.0000000000000002 | 1 | 1 | 1 | 1
(1) Commerce de gros
Import-export | 0.03236032138063099 | 0.031040412966968228 | 0.07490254749455987 | 0.02539939136286359 | 0.05927669650824013 | 0 | 0 | 0 | 0.03865242089777981
Produits pétroliers | 0.017256728382001048 | 0 | 0.03963134519464551 | 0.053816512333049155 | 0.02064706301261423 | 0 | 0 | 0 | 0.029399216227591205
Produits pharmaceutiques | 0 | 0 | 0.0013284427484924308 | 0.0024771325232535676 | 0.0016514629316996836 | 0 | 0 | 0 | 0.0013588538175843214
Produits alimentaires | 0.012276719701626809 | 0.009776619156387351 | 0.06985895524182599 | 0.06092370977855404 | 0.06868434596292436 | 0 | 0 | 0 | 0.04769158771028112
Matériaux de construction | 0.004028156881950628 | 0.12678263506715942 | 0.0512724370183388 | 0.006059393630905533 | 0.11172389194056012 | 0 | 0 | 0 | 0.04110276259258055
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0.0017215141478733134 | 0 | 0 | 0 | 0.0004951905958704908
Autres | 0.04783238409962861 | 0.08283535416830505 | 0.01854211160888059 | 0.04941406061181763 | 0.04148412697664863 | 0 | 0 | 0 | 0.03810224986066481
S-Total | 0.11375431044583809 | 0.25043502135882006 | 0.25553583930674323 | 0.19809020024044355 | 0.30518910148056044 | 0 | - | 0 | 0.1968022817023523
(2) Commerce de détail
Produits pétroliers | 0.004002906696510614 | 0.0038329586704311663 | 0.00600839065236746 | 0.002377268272412326 | 0.0020616578669278977 | 0 | 0 | 0 | 0.002694615678102549
Produits pharmaceutiques | 0 | 0 | 6.403577126984059e-05 | 6.067403232499011e-05 | 0.00013684825560938277 | 0 | 0 | 0 | 6.430500727384582e-05
Véhicules automobiles | 0.0009885317929602682 | 0 | 0.0043704077087983306 | 0.03237497666766688 | 0.06412273538888237 | 0 | 0 | 0 | 0.028817020089150304
Produits alimentaires | 0.0034637385218901254 | 0 | 0.035955903777119755 | 0.011970380400843816 | 0.04299600157888681 | 0 | 0 | 0 | 0.020355468827336742
Librairie ,papeterie | 9.180140434604565e-06 | 0 | 0 | 0.0007718936124888325 | 0.0028830019608964332 | 0 | 0 | 0 | 0.0010630818469678364
Appareils électro- ménagers électroni.équip. inform. | 4.8623413384185686e-05 | 0 | 0.003564878293334234 | 0.00517312674341045 | 0.019036502796213193 | 0 | 0 | 0 | 0.007413017808008565
Matériaux de construction | 0.000974768645347954 | 0 | 0.001776530599898124 | 0.00280750445983708 | 0.012182473755366654 | 0 | 0 | 0 | 0.004711246481928256
Autres | 0.016981147774076676 | 0 | 0.005060603703609091 | 0.10451877365443064 | 0.03129862473116533 | 0 | 0 | 0 | 0.04404598200859955
S-Total | 0.026468896984604428 | 0.0038329586704311663 | 0.05680075050639683 | 0.16005459784341503 | 0.17471784633394807 | 0 | - | 0 | 0.10916473774736764
[Secteur d'activitédéc. 21 (gl]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2021
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3643469.17 | 716357.82894 | 3960366.6867929343 | 15350194.393599492 | 20929651.16951 | 3792476 | 0 | 85414.7308 | 0 | 48477929.97964243
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6860452.4 | 24556.88653 | 689334.927353312 | 1857308.6466746225 | 4747676.54499 | 3996538.76 | 179598.65541773205 | 38701.94451023381 | 0 | 18394168.765475903
Industries Manufacturières ( 200 à 290 ) | 2559975.1600000006 | 2473.17154 | 3236656.7834506314 | 9596419.195163121 | 10296707.221719999 | 2085963.91 | 9677.551660000001 | 89165.3762 | 0 | 27877038.369733755
Prêts aux Particuliers ( 1560 ) | 4046495.7500000005 | 23201.31443 | 798814.7852079406 | 4155413.399368087 | 1740542.11162 | 357009 | 59354.34952225199 | 0 | 0 | 11180830.710148279
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5592887.94 | 262316.72138 | 3219761.680881584 | 7228454.036021367 | 4910083.47477 | 1452515 | 4781342.9900908675 | 0 | 0 | 27447361.84314382
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2309147.9299999997 | 127298.30116 | 298042.911278942 | 359473.84872118395 | 1297864.91766 | 61204 | 0 | 0 | 0 | 4453031.908820125
Bâtiments et Travaux Publics ( 600 ) | 922687.93 | 91822.93944 | 1817993.7379610222 | 4188872.843977354 | 1376078.19803 | 461145.91 | 0 | 38701.94451023381 | 0 | 8897303.50391861
Électricité, Gaz et Eau ( 300 à 500 ) | 1425799.17 | 0 | 791274.443475094 | 642952.040235598 | 71930.72667999999 | 188632.42 | 0 | 0 | 0 | 3120588.800390692
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 117735.89075802201 | 30439.018780000002 | 23427.30214 | 0 | 0 | 0 | 0 | 171602.211678022
Total | 27360915.450000003 | 1248027.16342 | 14929981.847159484 | 43409527.42254083 | 45393961.66712 | 12395485 | 5029973.546690851 | 251983.9960204676 | 0 | 150019856.09295166
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.1331632772543069 | 0.5739921773633089 | 0.26526265921391035 | 0.35361348775312285 | 0.46106685560934146 | 0.3059562413249663 | 0 | 0.3389688716304909 | #DIV/0! | 0.3231434240918463
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.25073913965111866 | 0.01967656414040392 | 0.04617118322112776 | 0.04278573753166906 | 0.10458828378552522 | 0.3224189097885238 | 0.035705685875005735 | 0.15358889898345057 | #DIV/0! | 0.12261156119279941
Industries Manufacturières ( 200 à 290 ) | 0.09356321299549208 | 0.001981664832696995 | 0.21678906354909092 | 0.22106711970746049 | 0.2268298875790382 | 0.16828417040559526 | 0.0019239766512026144 | 0.3538533304026081 | #DIV/0! | 0.18582232442924929
Prêts aux Particuliers ( 1560 ) | 0.1478932880515151 | 0.018590392188596965 | 0.053504069421217666 | 0.09572583822256372 | 0.038343031709451324 | 0.028801535397767815 | 0.011800131545681861 | 0 | #DIV/0! | 0.07452900570188978
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.20441157936475404 | 0.21018510579622876 | 0.21565744110359802 | 0.16651768552237037 | 0.10816600478222851 | 0.11718097355609725 | 0.9505702059281098 | 0 | #DIV/0! | 0.18295819338833091
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.08439585781476473 | 0.1019996237991818 | 0.019962710894765517 | 0.008280989682797689 | 0.028591135692835477 | 0.004937604297048482 | 0 | 0 | #DIV/0! | 0.02968295014268675
Bâtiments et Travaux Publics ( 600 ) | 0.03372284570251833 | 0.07357447187958258 | 0.1217679804685701 | 0.09649662396007196 | 0.030314124334883254 | 0.037202732285182866 | 0 | 0.15358889898345057 | #DIV/0! | 0.05930750592378838
Électricité, Gaz et Eau ( 300 à 500 ) | 0.0521107991655301 | 0 | 0.05299902247541169 | 0.014811311673062324 | 0.0015845879944887304 | 0.015217832944818216 | 0 | 0 | #DIV/0! | 0.020801171802599175
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007885869652307845 | 0.0007012059468814729 | 0.0005160885122077589 | 0 | 0 | 0 | #DIV/0! | 0.0011438633268098725
Total | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999999 | 1 | 0.9999999999999998 | 1 | 1 | 1.0000000000000002 | #DIV/0! | 1
[Secteur d' activitésept. 21 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 septembre 2021
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 117735.89075802201 | 30439.018780000002 | 23427.30214 | 0 | 0 | 0 | 0 | 171602.211678022
200 | Industrie alimentaire | 1725923 | 755.6581600000001 | 1101218.8537993599 | 1441207.8998994257 | 4446921.9990799995 | 647704.2 | 9677.551660000001 | 60165.376099999994 | 0 | 9433574.538698783
210 | Industrie des boissons | 771049.93 | 0 | 1346899.013809254 | 3335748.4929787177 | 2723746.88568 | 232127.31 | 0 | 0 | 0 | 8409571.632467972
220 | Industrie du bois | 51149.68 | 0 | 962.8797208020001 | 0 | 0 | 6475.83 | 0 | 0 | 0 | 58588.389720802
230 | Industrie chimique | 46.4 | 0 | 11223.323600000002 | 408880.7152732859 | 17803.6372 | 61739.8 | 0 | 29000.000099999997 | 0 | 528693.8761732859
240 | Industrie du textile | 0 | 0 | 469005.398232068 | 1907513.885113774 | 6328.416990000001 | 197993.15 | 0 | 0 | 0 | 2580840.850335842
250 | Industrie pharmacie | 0 | 0 | 46159.51654 | 62499.99997 | 88663.19294 | 75921.73 | 0 | 0 | 0 | 273244.43944999995
260 | Imprimerie, édition | 0 | 0 | 410.873918934 | 87698.55348195 | 109337.33653 | 22224.89 | 0 | 0 | 0 | 219671.65393088403
270 | Sidérurgie, aciérie | 10436.68 | 0 | 36548.54607461201 | 101516.45085 | 0 | 587963 | 0 | 0 | 0 | 736464.676924612
280 | Industrie de la fabrication | 1369.47 | 1717.5133799999999 | 213657.902917444 | 2238118.0746563803 | 367930.51833999995 | 96285 | 0 | 0 | 0 | 2919078.479293824
290 | Autres industries | 0 | 0 | 10570.474838158001 | 13235.122939588002 | 2535975.23496 | 157529 | 0 | 0 | 0 | 2717309.832737746
300 | Production et distribution de l'électricité | 1425799.17 | 0 | 331555.47832 | 440826.979893628 | 2434.795 | 4867 | 0 | 0 | 0 | 2205483.4232136277
400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 46870.27244 | 175796 | 0 | 0 | 0 | 222666.27244
500 | Traitement et distribution de l'eau | 0 | 0 | 459718.96515509405 | 202125.06034197 | 22625.659239999997 | 7969.42 | 0 | 0 | 0 | 692439.104737064
600 | Entrep/ batiment et corps/ métiers corresp. | 922687.93 | 91822.93944 | 1817993.7379610222 | 4188872.843977354 | 1376078.19803 | 461145.91 | 0 | 38701.94451023381 | 0 | 8897303.50391861
700 | Commerce de gros(1) | 2890475.7800000003 | 306141.58816000004 | 3210527.2711612303 | 7948397.675164118 | 13190098.833150001 | 2723523 | 0 | 62040.698800000006 | 0 | 30331204.84643535
800 | Commerce de détail(2) | 752993.3899999999 | 410216.24078 | 749839.4156317039 | 7401796.718435373 | 7739552.33636 | 1068953 | 0 | 23374.032 | 0 | 18146725.13320708
900 | Rest/débits/boissons, casinos/activités/loterie | 135822.57 | 0 | 1584.93292389 | 4382.4981 | 11046.75601 | 16753 | 0 | 0 | 0 | 169589.75703389003
1000 | Hotels,motels et pensions | 2167734.5300000003 | 0 | 62536.688376305996 | 360233.35082 | 1169355.28454 | 272127.76 | 179598.65541773205 | 0 | 0 | 4211586.269154038
1100 | Transport | 859337.47 | 127298.30116 | 284956.101641328 | 297645.60229500796 | 681560.37578 | 30943 | 0 | 0 | 0 | 2281740.850876336
1200 | Immobilier résidentiel / Avance Hypothécaire | 2305279.2300000004 | 212300.89839 | 1685179.0719015982 | 575881.6484519719 | 3108512.08248 | 1328535 | 3688630.2771461615 | 0 | 0 | 12904318.208369732
1300 | Immobilier commercial | 3287608.71 | 50015.82299 | 1534582.608979986 | 6652572.387569395 | 1801571.39229 | 123980 | 1092712.7129447057 | 0 | 0 | 14543043.634774085
1400 | Télécommunications | 1449810.46 | 0 | 13086.809637614002 | 61828.246426175996 | 616304.54188 | 30261 | 0 | 0 | 0 | 2171291.05794379
1500 | Services financiers | 362275.06 | 0 | 235055.83570200801 | 713207.4704187119 | 2202899.06331 | 2123719 | 0 | 0 | 0 | 5637156.429430719
1510 | Services professionnels | 452440.05 | 7360.44085 | 200766.47033301 | 138622.89928444 | 200543.6393 | 615281 | 0 | 38701.94451023381 | 0 | 1653716.444277684
1520 | Services médicaux | 10130.16 | 0 | 20208.984651424 | 4067.56881 | 51920.874149999996 | 39159 | 0 | 0 | 0 | 125486.587611424
1530 | Services d'agence ou de représentation | 1017.61 | 775.39098 | 17776.199911518 | 18977.402595832 | 30108.52082 | 165 | 0 | 0 | 0 | 68820.12430735001
1540 | Services d'enseignement | 361981.27 | 0 | 22547.493567212 | 44545.02304078 | 67665.08784000001 | 2562 | 0 | 0 | 0 | 499300.874447992
1550 | Autres services | 3369051.15 | 16421.0547 | 128858.32188794398 | 573272.4336048584 | 1014137.3190199999 | 926772 | 0 | 0 | 0 | 6028512.279212803
1560 | Crédit à la consommation | 4046495.7500000005 | 23201.31443 | 798814.7852079406 | 4155413.399368087 | 1740542.11162 | 357009 | 59354.34952225199 | 0 | 0 | 11180830.710148279
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 27360915.45 | 1248027.1634199999 | 14929981.847159483 | 43409527.42254082 | 45393961.66712 | 12395485 | 5029973.5466908505 | 251983.9960204676 | 0 | 150019856.09295163
(1) Commerce de gros
Import-export | 719670.866680296 | 39135.98107 | 695475.6409186699 | 1172312.74932503 | 3115213.6538899997 | 0 | 5741808.891883995
Produits pétroliers | 341728.38847 | 0 | 682384.208935142 | 2200952.8133710423 | 871380.07635 | 0 | 4096445.4871261846
Produits pharmaceutiques | 0 | 0 | 22767.817037883997 | 52481.079748521995 | 65331.536340000006 | 0 | 140580.433126406
Produits alimentaires | 454907.627946444 | 8133.9889 | 1032360.043869012 | 2425426.068280332 | 3243761.68653 | 0 | 7164589.415525788
Matériaux de construction | 0 | 156201.85666 | 446724.97009194794 | 136190.967297058 | 3881093.27047 | 0 | 4620211.064519006
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1374168.894805964 | 102669.76153 | 330814.59030857397 | 1961033.9971421324 | 2013318.60957 | 0 | 0 | 0 | 5782005.853356671
S-Total | 2890475.777902704 | 306141.58816 | 3210527.27116123 | 7948397.675164116 | 13190098.83315 | 0 | 0 | 0 | 0 | 27545641.145538054
(2) Commerce de détail
Produits pétroliers | 140310.85195000004 | 4834.70288 | 79199.336063918 | 71423.94340999999 | 191796.94725 | 487565.78155391803
Produits pharmaceutiques | 0 | 0 | 956.0439299999999 | 2843.35281 | 6042.5089800000005 | 0 | 9841.90572
Véhicules automobiles | 28005.73441 | 0 | 25574.04872918 | 1259196.057769652 | 2903232.4510100004 | 0 | 4216008.291918833
Produits alimentaires | 93983.53403 | 0 | 473486.0725663021 | 549772.2543618999 | 1992763.59428 | 0 | 3110005.455238202
Librairie ,papeterie | 389.05395999999996 | 0 | 0 | 41098.737237292 | 122524.33037000001 | 0 | 164012.12156729202
Appareils électro- ménagers électroni.équip. inform. | 29184.83156 | 0 | 56373.681265527994 | 209133.254089614 | 762261.1493500001 | 0 | 1056952.9162651422
Matériaux de construction | 0 | 0 | 28708.773416314 | 143479.182217688 | 534431.45592 | 0 | 706619.411554002
Autres | 461119.388583442 | 405381.5379 | 85541.459660462 | 5124849.936539243 | 1226499.8991999999 | 0 | 0 | 0 | 7303392.221883147
S-Total | 752993.394493442 | 410216.24078 | 749839.415631704 | 7401796.718435389 | 7739552.33636 | 0 | 0 | 0 | 0 | 17054398.105700538
[Secteur d'activitéssept. 21%]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2021
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.007885869652307847 | 0.000701205946881473 | 0.0005160885122077589 | 0 | 0 | 0 | 0.0011438633268098727
200 | Industrie alimentaire | 0.0630798703776558 | 0.0006054821418543897 | 0.0737588876579159 | 0.033200266979894935 | 0.09796285311447091 | 0.05225323575479297 | 0.0019239766512026146 | 0.2387666560185553 | 0.06288217296284955
210 | Industrie des boissons | 0.028180706577929947 | 0 | 0.09021437719065341 | 0.0768436951756954 | 0.06000240529023663 | 0.018726763010886625 | 0 | 0 | 0.05605639047712084
220 | Industrie du bois | 0.0018694432974463945 | 0 | 6.449302689441606e-05 | 0 | 0 | 0.0005224345800103828 | 0 | 0 | 0.0003905375678036972
230 | Industrie chimique | 1.6958496905848229e-06 | 0 | 0.0007517305590117181 | 0.009419146891264487 | 0.0003922027632343803 | 0.004980829713399678 | 0 | 0.11508667438405275 | 0.003524159334253124
240 | Industrie du textile | 0 | 0 | 0.03141366165299786 | 0.04394228636829801 | 0.00013941098678293666 | 0.015973005493532522 | 0 | 0 | 0.017203328396320848
250 | Industrie pharmacie | 0 | 0 | 0.003091732931261542 | 0.0014397760971142537 | 0.001953193545656558 | 0.006124950334738818 | 0 | 0 | 0.0018213884919386866
260 | Imprimerie, édition | 0 | 0 | 2.7520054822583136e-05 | 0.002020260497846647 | 0.0024086317323829395 | 0.0017929826868412168 | 0 | 0 | 0.0014642838598297046
270 | Sidérurgie, aciérie | 0.00038144483941234507 | 0 | 0.002447996685378796 | 0.0023385753514857796 | 0 | 0.047433642168902626 | 0 | 0 | 0.004909114673915577
280 | Industrie de la fabrication | 5.0052053357008564e-05 | 0.0013761826908426057 | 0.01431066059588637 | 0.05155822252730205 | 0.00810527446443392 | 0.0077677476920023705 | 0 | 0 | 0.0194579474698681
290 | Autres industries | 0 | 0 | 0.0007080031942683907 | 0.0003048898185589446 | 0.055865915681839934 | 0.012708578970488044 | 0 | 0 | 0.01811300119534919
300 | Production et distribution de l'électricité | 0.05211079916553011 | 0 | 0.02220735977539587 | 0.010155074382697018 | 5.363697969026537e-05 | 0.0003926429663704163 | 0 | 0 | 0.014701276755305779
400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.0010325221839791376 | 0.014182260718318001 | 0 | 0 | 0.0014842453408436614
500 | Traitement et distribution de l'eau | 0 | 0 | 0.030791662700015827 | 0.004656237290365308 | 0.0004984288308193276 | 0.0006429292601297972 | 0 | 0 | 0.0046156497064497376
600 | Entrep/ batiment et corps/ métiers corresp. | 0.033722845702518336 | 0.07357447187958259 | 0.12176798046857011 | 0.09649662396007197 | 0.030314124334883254 | 0.037202732285182866 | 0 | 0.15358889898345057 | 0.05930750592378839
700 | Commerce de gros(1) | 0.10564250985249839 | 0.24530042064234614 | 0.21503892663955596 | 0.18310260781684612 | 0.2905694578912227 | 0.2197189541191813 | 0 | 0.24620888540461394 | 0.2021812687757964
800 | Commerce de détail(2) | 0.02752076740180855 | 0.3286917567209629 | 0.050223732574354425 | 0.1705108799362768 | 0.17049739771811884 | 0.08623728720578501 | 0 | 0.09275998622587692 | 0.12096215531604997
900 | Rest/débits/boissons, casinos/activités/loterie | 0.004964109123037402 | 0 | 0.00010615772611883938 | 0.00010095705620891751 | 0.00024335298361943686 | 0.001351540500432214 | 0 | 0 | 0.0011304487382577742
1000 | Hotels,motels et pensions | 0.07922741232695123 | 0 | 0.004188664729569244 | 0.008298485890287423 | 0.025760150504488655 | 0.02195378075162045 | 0.03570568587500574 | 0 | 0.02807352559080285
1100 | Transport | 0.03140748238378113 | 0.10199962379918183 | 0.019086165312085936 | 0.006856688380819658 | 0.015014340030023674 | 0.0024963121652763084 | 0 | 0 | 0.015209592318650003
1200 | Immobilier résidentiel | 0.08425446269196378 | 0.17010919682887876 | 0.11287214473219292 | 0.013266250121694247 | 0.06847853697536106 | 0.10717894459151861 | 0.7333299554970543 | 0 | 0.08601740159232171
1300 | Immobilier commercial | 0.12015711667279028 | 0.040075908967350034 | 0.10278529637140513 | 0.15325143540067615 | 0.03968746780686745 | 0.010002028964578635 | 0.2172402504310557 | 0 | 0.0969407917960092
1400 | Télécommunications | 0.052988375430983614 | 0 | 0.0008765455826795828 | 0.0014243013019780324 | 0.013576795662811801 | 0.0024412921317721733 | 0 | 0 | 0.01447335782403676
1500 | Services financiers | 0.013240604491543064 | 0 | 0.015743879537718847 | 0.0164297450989612 | 0.04852846022702653 | 0.1713300447703337 | 0 | 0 | 0.03757606877010976
1510 | Services professionnels | 0.016535998250014693 | 0.005897660776733417 | 0.013447201234957094 | 0.003193374991971433 | 0.004417848364295969 | 0.049637509141433354 | 0 | 0.15358889898345057 | 0.011023317095125386
1520 | Services médicaux | 0.00037024199787876616 | 0 | 0.0013535840068867116 | 9.370221358106458e-05 | 0.001143783715788957 | 0.0031591341524756797 | 0 | 0 | 0.0008364665243624355
1530 | Services d'agence ou de représentation | 3.71921035266384e-05 | 0.0006212933522017076 | 0.0011906377444725446 | 0.0004371713704945288 | 0.0006632714950237173 | 1.3311298428419702e-05 | 0 | 0 | 0.0004587401034747652
1540 | Services d'enseignement | 0.013229866912219855 | 0 | 0.0015102157389094077 | 0.0010261577512048555 | 0.0014906186936535118 | 0.00020668816105218958 | 0 | 0 | 0.003328231925103484
1550 | Autres services | 0.12313371444594702 | 0.013157610011468802 | 0.008630842502495075 | 0.01320614315895964 | 0.022340797801628433 | 0.07476690101274779 | 0 | 0 | 0.04018476244556296
1560 | Crédit à la consommation | 0.14789328805151514 | 0.01859039218859697 | 0.05350406942121767 | 0.09572583822256374 | 0.038343031709451324 | 0.028801535397767815 | 0.011800131545681864 | 0 | 0.07452900570188979
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1
(1) Commerce de gros
Import-export | 0.026302879667730417 | 0.031358276660224844 | 0.046582484026997543 | 0.027005886010090383 | 0.06862616831582752 | 0 | 0 | 0 | 0.03827365951028774
Produits pétroliers | 0.01248965478126939 | 0 | 0.04570562884274167 | 0.05070206804942493 | 0.019195946869320347 | 0 | 0 | 0 | 0.02730602197477143
Produits pharmaceutiques | 0 | 0 | 0.0015249728546867394 | 0.001208976067343011 | 0.0014392120436432694 | 0 | 0 | 0 | 0.000937078842678685
Produits alimentaires | 0.016626184484863207 | 0.006517477454345007 | 0.06914677153913786 | 0.05587312768166432 | 0.07145799942108906 | 0 | 0 | 0 | 0.04775760757353774
Matériaux de construction | 0 | 0.1251590199623189 | 0.029921333774222906 | 0.0031373519912206993 | 0.08549800739866188 | 0 | 0 | 0 | 0.030797330332435088
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.05022379084198238 | 0.08226564656545736 | 0.02215773560176923 | 0.04517519801710272 | 0.04435212384268055 | 0 | 0 | 0 | 0.038541603784596125
S-Total | 0.10564250977584538 | 0.24530042064234614 | 0.21503892663955596 | 0.18310260781684606 | 0.2905694578912226 | 0 | - | 0 | 0.18361330201830678
(2) Commerce de détail
Produits pétroliers | 0.005128149027265097 | 0.0038738763239346036 | 0.005304717505667037 | 0.001645351784523515 | 0.004225164321556085 | 0 | 0 | 0 | 0.0032500083272431917
Produits pharmaceutiques | 0 | 0 | 6.403517028936596e-05 | 6.550066261545066e-05 | 0.00013311261582125235 | 0 | 0 | 0 | 6.560402053646819e-05
Véhicules automobiles | 0.0010235671559008456 | 0 | 0.0017129323391672853 | 0.02900736618283944 | 0.06395635772660233 | 0 | 0 | 0 | 0.02810300184068043
Produits alimentaires | 0.0034349557565699065 | 0 | 0.03171377416352222 | 0.012664783217069193 | 0.04389930997636211 | 0 | 0 | 0 | 0.0207306255067413
Librairie ,papeterie | 1.4219332708767242e-05 | 0 | 0 | 0.0009467676723877689 | 0.0026991327892570234 | 0 | 0 | 0 | 0.0010932694233866673
Appareils électro- ménagers électroni.équip. inform. | 0.0010666613700602624 | 0 | 0.0037758707172342223 | 0.004817680967911655 | 0.016792126559469805 | 0 | 0 | 0 | 0.007045420144985734
Matériaux de construction | 0 | 0 | 0.0019228940604355802 | 0.0033052463534349614 | 0.011773183839715453 | 0 | 0 | 0 | 0.004710172572863847
Autres | 0.016853214923532173 | 0.3248178803970283 | 0.0057295086180387264 | 0.11805818309549518 | 0.027019009889334793 | 0 | 0 | 0 | 0.048682837139625026
S-Total | 0.027520767566037052 | 0.3286917567209629 | 0.05022373257435444 | 0.17051087993627717 | 0.17049739771811884 | 0 | - | 0 | 0.11368093897606267
[Secteur d'activitésept. 21 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2021
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3643469.17 | 716357.82894 | 3960366.6867929343 | 15350194.393599492 | 20929651.16951 | 3792476 | 0 | 85414.7308 | 0 | 48477929.97964243
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6860452.4 | 24556.88653 | 689334.927353312 | 1857308.6466746225 | 4747676.54499 | 3996538.76 | 179598.65541773205 | 38701.94451023381 | 0 | 18394168.765475903
Industries Manufacturières ( 200 à 290 ) | 2559975.1600000006 | 2473.17154 | 3236656.7834506314 | 9596419.195163121 | 10296707.221719999 | 2085963.91 | 9677.551660000001 | 89165.3762 | 0 | 27877038.369733755
Prêts aux Particuliers ( 1560 ) | 4046495.7500000005 | 23201.31443 | 798814.7852079406 | 4155413.399368087 | 1740542.11162 | 357009 | 59354.34952225199 | 0 | 0 | 11180830.710148279
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5592887.94 | 262316.72138 | 3219761.680881584 | 7228454.036021367 | 4910083.47477 | 1452515 | 4781342.9900908675 | 0 | 0 | 27447361.84314382
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2309147.9299999997 | 127298.30116 | 298042.911278942 | 359473.84872118395 | 1297864.91766 | 61204 | 0 | 0 | 0 | 4453031.908820125
Bâtiments et Travaux Publics ( 600 ) | 922687.93 | 91822.93944 | 1817993.7379610222 | 4188872.843977354 | 1376078.19803 | 461145.91 | 0 | 38701.94451023381 | 0 | 8897303.50391861
Électricité, Gaz et Eau ( 300 à 500 ) | 1425799.17 | 0 | 791274.443475094 | 642952.040235598 | 71930.72667999999 | 188632.42 | 0 | 0 | 0 | 3120588.800390692
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 117735.89075802201 | 30439.018780000002 | 23427.30214 | 0 | 0 | 0 | 0 | 171602.211678022
Total | 27360915.450000003 | 1248027.16342 | 14929981.847159484 | 43409527.42254083 | 45393961.66712 | 12395485 | 5029973.546690851 | 251983.9960204676 | 0 | 150019856.09295166
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.1331632772543069 | 0.5739921773633089 | 0.26526265921391035 | 0.35361348775312285 | 0.46106685560934146 | 0.3059562413249663 | 0 | 0.3389688716304909 | #DIV/0! | 0.3231434240918463
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.25073913965111866 | 0.01967656414040392 | 0.04617118322112776 | 0.04278573753166906 | 0.10458828378552522 | 0.3224189097885238 | 0.035705685875005735 | 0.15358889898345057 | #DIV/0! | 0.12261156119279941
Industries Manufacturières ( 200 à 290 ) | 0.09356321299549208 | 0.001981664832696995 | 0.21678906354909092 | 0.22106711970746049 | 0.2268298875790382 | 0.16828417040559526 | 0.0019239766512026144 | 0.3538533304026081 | #DIV/0! | 0.18582232442924929
Prêts aux Particuliers ( 1560 ) | 0.1478932880515151 | 0.018590392188596965 | 0.053504069421217666 | 0.09572583822256372 | 0.038343031709451324 | 0.028801535397767815 | 0.011800131545681861 | 0 | #DIV/0! | 0.07452900570188978
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.20441157936475404 | 0.21018510579622876 | 0.21565744110359802 | 0.16651768552237037 | 0.10816600478222851 | 0.11718097355609725 | 0.9505702059281098 | 0 | #DIV/0! | 0.18295819338833091
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.08439585781476473 | 0.1019996237991818 | 0.019962710894765517 | 0.008280989682797689 | 0.028591135692835477 | 0.004937604297048482 | 0 | 0 | #DIV/0! | 0.02968295014268675
Bâtiments et Travaux Publics ( 600 ) | 0.03372284570251833 | 0.07357447187958258 | 0.1217679804685701 | 0.09649662396007196 | 0.030314124334883254 | 0.037202732285182866 | 0 | 0.15358889898345057 | #DIV/0! | 0.05930750592378838
Électricité, Gaz et Eau ( 300 à 500 ) | 0.0521107991655301 | 0 | 0.05299902247541169 | 0.014811311673062324 | 0.0015845879944887304 | 0.015217832944818216 | 0 | 0 | #DIV/0! | 0.020801171802599175
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007885869652307845 | 0.0007012059468814729 | 0.0005160885122077589 | 0 | 0 | 0 | #DIV/0! | 0.0011438633268098725
Total | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999999 | 1 | 0.9999999999999998 | 1 | 1 | 1.0000000000000002 | #DIV/0! | 1
[Secteur d' activitéjuin 21 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2021
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 116187.993130792 | 20092.297100008003 | 35413.58437 | 0 | 0 | 0 | 0 | 171693.87460080002
200 | Industrie alimentaire | 1370957.4000000001 | 755.6581600000001 | 1153519.3873345922 | 1385122.9727735436 | 3138962.7466800003 | 727752 | 9618.8578 | 112244.01929999999 | 0 | 7898933.042048136
210 | Industrie des boissons | 772501.77 | 0 | 1295062.032453448 | 2904171.95801336 | 2710609.3815 | 225659 | 0 | 0 | 0 | 7908004.141966809
220 | Industrie du bois | 49820.77 | 0 | 827.2039714239999 | 13487.720436783999 | 0 | 3 | 0 | 0 | 0 | 64138.694408208
230 | Industrie chimique | 94.59 | 0 | 11816.21036 | 449113.75865649624 | 30382.050199999998 | 61482 | 0 | 81333.3335 | 0 | 634221.9427164962
240 | Industrie du textile | 0 | 0 | 465473.91026237595 | 1868702.8383712717 | 5157.02207 | 218957 | 0 | 0 | 0 | 2558290.7707036478
250 | Industrie pharmacie | 0 | 0 | 19037.80458 | 74999.99998000001 | 80459.37589 | 84165 | 0 | 0 | 0 | 258662.18044999999
260 | Imprimerie, édition | 6289.68 | 0 | 372.14283792000003 | 99978.38544554399 | 152384.72842 | 49818 | 0 | 0 | 0 | 308842.936703464
270 | Sidérurgie, aciérie | 23169.09 | 0 | 21240.531607407996 | 185774.138592536 | 0 | 598547 | 0 | 0 | 0 | 828730.760199944
280 | Industrie de la fabrication | 1433.51 | 1840.81045 | 232493.583504016 | 2360337.8206758006 | 425790.8518 | 119800 | 0 | 0 | 0 | 3141696.5764298164
290 | Autres industries | 0 | 0 | 25387.112151295998 | 97267.139351152 | 1081678.23975 | 188691 | 0 | 0 | 0 | 1393023.491252448
300 | Production et distribution de l'électricité | 1333322.96 | 0 | 331560.424216288 | 665071.145341216 | 2266.66 | 4235 | 0 | 0 | 0 | 2336456.1895575044
400 | Production et distribution de gaz | 0 | 0 | 4927.2576500000005 | 401584.0434978 | 50557.25931 | 168851 | 0 | 0 | 0 | 625919.5604578
500 | Traitement et distribution de l'eau | 0 | 0 | 442186.8260399999 | 265784.885061144 | 26020.840600000003 | 0 | 0 | 0 | 0 | 733992.5517011438
600 | Entrep/ batiment et corps/ métiers corresp. | 872963.46 | 88097.50629 | 1839218.753801248 | 4802353.006080928 | 1029517.334 | 425782 | 0 | 89530.27228 | 0 | 9147462.332452176
700 | Commerce de gros(1) | 3142863.11 | 296186.21075 | 2966466.3459586636 | 8898024.357695095 | 10709785.642649999 | 2950941 | 0 | 120908.2998 | 0 | 29085174.96685376
800 | Commerce de détail(2) | 1011782.69 | 397549.38430000003 | 686956.6828209119 | 7199227.084055676 | 6947644.443100001 | 1101552 | 0 | 88374.9664 | 0 | 17433087.25067659
900 | Rest/débits/boissons, casinos/activités/loterie | 127719.48000000001 | 0 | 1653.1287671839998 | 5052.02236248 | 11867.66142 | 12947 | 0 | 0 | 0 | 159239.292549664
1000 | Hotels,motels et pensions | 2136969.1300000004 | 0 | 115819.61035055203 | 367038.57918999996 | 1115109.78406 | 278988 | 159127.88071753603 | 0 | 0 | 4173052.9843180883
1100 | Transport | 836194.9 | 129045.9157 | 375975.98223968 | 324001.46816407196 | 672703.86273 | 29378 | 0 | 0 | 0 | 2367300.128833752
1200 | Immobilier résidentiel / Avance Hypothécaire | 2276406.6100000003 | 212248.15480000002 | 1683370.5063489918 | 537214.3505374956 | 3103062.76243 | 1256706 | 3619349.778547144 | 0 | 0 | 12688358.162663631
1300 | Immobilier commercial | 3282226.25 | 50617.27198 | 1469264.6255430402 | 6623698.60952116 | 1372789.96139 | 106387 | 1030148.2982725682 | 0 | 0 | 13935132.016706768
1400 | Télécommunications | 1624582.06 | 0 | 13965.767899032002 | 55528.327840000005 | 721517.32036 | 30609 | 0 | 0 | 0 | 2446202.476099032
1500 | Services financiers | 192755.85 | 0 | 229897.74587748002 | 666006.8674435599 | 1930023.96044 | 2039805 | 0 | 80389.809165184 | 0 | 5138879.232926224
1510 | Services professionnels | 419981.72 | 7354.93487 | 280904.89627196797 | 132447.02827877598 | 269849.08043000003 | 397365 | 0 | 0 | 0 | 1507902.659850744
1520 | Services médicaux | 10705.91 | 0 | 18479.549216439995 | 4844.15037 | 53207.81258 | 38452 | 0 | 0 | 0 | 125689.42216644
1530 | Services d'agence ou de représentation | 656.21 | 775.39098 | 17487.562778831998 | 18646.651872096 | 23924.493710000002 | 15 | 0 | 0 | 0 | 61505.309340928005
1540 | Services d'enseignement | 360815.84 | 0 | 24673.660309968 | 70572.461184912 | 45933.32884 | 4124 | 0 | 0 | 0 | 506119.29033488
1550 | Autres services | 5036669.38 | 9188.179699999999 | 135291.62949312798 | 135295.5313779382 | 950982.30344 | 560704 | 0 | 0 | 0 | 6828131.024011066
1560 | Crédit à la consommation | 4060086.3 | 22864.024579999998 | 827041.3485420321 | 4097356.9608707107 | 1809222.04143 | 345254 | 65626.712228256 | 0 | 0 | 11227451.387650998
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 28950968.67 | 1216523.4425599999 | 14806560.21631872 | 44728796.56014157 | 38506824.533599995 | 12026969 | 4883871.527565504 | 572780.700445184 | 0 | 145693294.65063095
(1) Commerce de gros
Import-export | 724900.8099999999 | 39093.4371 | 881635.7112470559 | 1349254.3983187599 | 3341668.59598 | 0 | 6336552.952645816
Produits pétroliers | 523285.27 | 0 | 566893.5595917361 | 2975398.6541341525 | 421041.2426 | 0 | 4486618.726325888
Produits pharmaceutiques | 0 | 0 | 21009.32729608 | 48336.35817888801 | 71578.00529 | 0 | 140923.690764968
Produits alimentaires | 486110.31 | 8260.091059999999 | 595119.2690377359 | 2418924.1589362565 | 2572279.76311 | 0 | 6080693.592143992
Matériaux de construction | 0 | 146838.87795 | 564385.768929208 | 224664.198330104 | 2360053.2949800002 | 0 | 3295942.1401893124
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1408566.73 | 101993.80464 | 337422.709856848 | 1881446.589796936 | 1943164.7406900001 | 2950941 | 120908 | 0 | 8744443.574983783
S-Total | 3142863.12 | 296186.21074999997 | 2966466.345958664 | 8898024.357695097 | 10709785.64265 | 2950941 | 0 | 120908 | 0 | 29085174.677053757
(2) Commerce de détail
Produits pétroliers | 122462.79 | 4910.8557599999995 | 82530.447316664 | 68332.800848392 | 189277.19313 | 467514.087055056
Produits pharmaceutiques | 0 | 0 | 943.47007 | 3407.56466 | 6252.94724 | 0 | 10603.98197
Véhicules automobiles | 28695.19 | 0 | 0.01095 | 1236396.2041953122 | 2954067.63934 | 0 | 4219159.044485312
Produits alimentaires | 88419.43 | 0 | 449006.6321533919 | 611998.1046365999 | 1566739.60467 | 0 | 2716163.771459992
Librairie ,papeterie | 493.53 | 0 | 0 | 42665.28283016 | 126421.95667 | 0 | 169580.76950016
Appareils électro- ménagers électroni.équip. inform. | 27471.440000000002 | 0 | 48836.999536031995 | 182782.420931936 | 664611.63874 | 0 | 923702.499207968
Matériaux de construction | 0 | 0 | 29147.254206576 | 146381.85246038402 | 331588.72647000005 | 0 | 507117.83313696005
Autres | 744240.3200000001 | 392638.52854 | 76491.86858824798 | 4907262.853492882 | 1108684.7368400001 | 1101552 | 88374.97 | 0 | 8419245.27746113
S-Total | 1011782.7000000001 | 397549.38430000003 | 686956.682820912 | 7199227.084055666 | 6947644.443100002 | 1101552 | 0 | 88374.97 | 0 | 17433087.26427658
[Secteur d'activitésjuin 21% ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2021
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.007847061804586997 | 0.00044920272051120907 | 0.0009196703389317153 | 0 | 0 | 0 | 0.0011784610610427737
200 | Industrie alimentaire | 0.047354456965739936 | 0.0006211620208566021 | 0.07790596671219198 | 0.03096714151276418 | 0.08151705015148751 | 0.06051000879772784 | 0.0019695149116247894 | 0.19596334026750595 | 0.05421617419655166
210 | Industrie des boissons | 0.026683106144233894 | 0 | 0.08746542164642158 | 0.06492846178207501 | 0.0703929605811769 | 0.01876274895195955 | 0 | 0 | 0.05427843581223154
220 | Industrie du bois | 0.001720867117362674 | 0 | 5.586739656873954e-05 | 0.000301544451763835 | 0 | 2.4943940572225637e-07 | 0 | 0 | 0.00044023092869174975
230 | Industrie chimique | 3.267248190490339e-06 | 0 | 0.0007980388548973736 | 0.01004081918574817 | 0.0007890043016528008 | 0.005112011180871922 | 0 | 0.14199733586830884 | 0.004353130624421291
240 | Industrie du textile | 0 | 0 | 0.03143700518297047 | 0.04177851813783199 | 0.00013392488558749177 | 0.01820550131957603 | 0 | 0 | 0.017559426992425204
250 | Industrie pharmacie | 0 | 0 | 0.0012857682204282606 | 0.0016767721411676323 | 0.002089483536088346 | 0.006998022527537903 | 0 | 0 | 0.0017753883668446494
260 | Imprimerie, édition | 0.00021725283432459324 | 0 | 2.5133645659972473e-05 | 0.0022352129530494916 | 0.003957343412906803 | 0.004142190771423789 | 0 | 0 | 0.0021198157227761377
270 | Sidérurgie, aciérie | 0.0008002872119442627 | 0 | 0.0014345351855590484 | 0.004153345336325946 | 0 | 0.04976706932561313 | 0 | 0 | 0.005688187381493573
280 | Industrie de la fabrication | 4.951509624220114e-05 | 0.0015131730187839844 | 0.015702065848337846 | 0.05276998270011872 | 0.011057542577380449 | 0.009960946935175437 | 0 | 0 | 0.02156376917663596
290 | Autres industries | 0 | 0 | 0.001714585412168598 | 0.002174597727447647 | 0.02809055934503655 | 0.01568899030171276 | 0 | 0 | 0.009561342507854497
300 | Production et distribution de l'électricité | 0.04605451980546805 | 0 | 0.02239280557889915 | 0.014868970249333062 | 5.886385147189104e-05 | 0.0003521252944112519 | 0 | 0 | 0.016036813465988745
400 | Production et distribution de gaz | 0 | 0 | 0.00033277530891810605 | 0.008978199155388342 | 0.0013129428334420338 | 0.014039364365202903 | 0 | 0 | 0.004296145282174723
500 | Traitement et distribution de l'eau | 0 | 0 | 0.02986425068211681 | 0.005942142545770804 | 0.0006757462064236155 | 0 | 0 | 0 | 0.005037929531769053
600 | Entrep/ batiment et corps/ métiers corresp. | 0.030153169310172166 | 0.07241743414710643 | 0.12421647748909259 | 0.10736602313061938 | 0.026735970739463898 | 0.03540226968241125 | 0 | 0.1563081161959789 | 0.06278574696514053
700 | Commerce de gros(1) | 0.10855813309130287 | 0.2434693820011544 | 0.20034810939337816 | 0.1989327914452374 | 0.27812694950488415 | 0.2453603231204803 | 0 | 0.21109003796047263 | 0.19963290031019834
800 | Commerce de détail(2) | 0.034948146348154636 | 0.32679138797639123 | 0.046395426944861776 | 0.16095284554270803 | 0.18042631474422613 | 0.09159015875072099 | 0 | 0.1542911036131491 | 0.1196560712864701
900 | Rest/débits/boissons, casinos/activités/loterie | 0.004411578812986225 | 0 | 0.00011164840064352293 | 0.00011294787141628409 | 0.0003081963149063254 | 0.0010764973286286844 | 0 | 0 | 0.0010929761244779044
1000 | Hotels,motels et pensions | 0.07381338960911529 | 0 | 0.007822182104315088 | 0.008205867526448788 | 0.028958757248003814 | 0.023196866974546954 | 0.0325823232284854 | 0 | 0.02864272507753339
1100 | Transport | 0.028883140648295273 | 0.10607762348454321 | 0.025392527146535122 | 0.007243688475464014 | 0.017469730908167128 | 0.0024426769537694826 | 0 | 0 | 0.01624851805644509
1200 | Immobilier résidentiel | 0.07862972171839251 | 0.17447107665541906 | 0.11369085606349695 | 0.012010480760759265 | 0.0805847482885106 | 0.10449066593586463 | 0.74108210220495 | 0 | 0.08708951357775258
1300 | Immobilier commercial | 0.11337189741085095 | 0.04160813528877271 | 0.0992306520945846 | 0.1480857773719677 | 0.03565056267343315 | 0.00884570335219123 | 0.2109286234206232 | 0 | 0.09564703749834803
1400 | Télécommunications | 0.05611494656769286 | 0 | 0.0009432148787427308 | 0.0012414447092341859 | 0.018737388218818818 | 0.0025450302565841816 | 0 | 0 | 0.016790082769182806
1500 | Services financiers | 0.0066580103829044 | 0 | 0.015526749124628106 | 0.014889890152713109 | 0.05012160789202221 | 0.16960258232976239 | 0 | 0.14035006609458453 | 0.03527189940517945
1510 | Services professionnels | 0.014506655193033303 | 0.006045863657606622 | 0.01897165122540581 | 0.0029611131634335384 | 0.007007824812833817 | 0.03303949648494147 | 0 | 0 | 0.010349842547432665
1520 | Services médicaux | 0.00036979453509940186 | 0 | 0.0012480649756905168 | 0.00010830048520278517 | 0.0013817761714828582 | 0.003197148009610734 | 0 | 0 | 0.0008626987430536198
1530 | Services d'agence ou de représentation | 2.266625367461323e-05 | 0.0006373826864925023 | 0.0011810685617283663 | 0.0004168824852469266 | 0.0006213052880827436 | 1.2471970286112818e-06 | 0 | 0 | 0.0004221560744330497
1540 | Services d'enseignement | 0.012462997149172764 | 0 | 0.0016664005649856795 | 0.0015777858250673362 | 0.0011928620289091833 | 0.00034289603639952844 | 0 | 0 | 0.0034738681114223
1550 | Autres services | 0.1739723957913426 | 0.007552817626485509 | 0.00913727614763754 | 0.003024797038659919 | 0.024696461340513787 | 0.046620557515364015 | 0 | 0 | 0.04686647412555781
1560 | Crédit à la consommation | 0.140240084754304 | 0.01879456143638788 | 0.055856413404548 | 0.09160445341652497 | 0.04698445180415546 | 0.0287066508610773 | 0.013437436234316626 | 0 | 0.07706223827647085
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1 | 1.0000000000000002 | 0.9999999999999996 | 0.9999999999999997 | 1.0000000000000002 | 0.9999999999999997 | 1 | 1 | 1.0000000000000002
(1) Commerce de gros
Import-export | 0.025038913836108265 | 0.032135375063330834 | 0.059543587326608166 | 0.030165229160694623 | 0.08678120401915126 | 0 | 0 | 0 | 0.04349241307117612
Produits pétroliers | 0.018074879495906 | 0 | 0.03828664803368354 | 0.06652087431266974 | 0.010934197968794104 | 0 | 0 | 0 | 0.03079495687900183
Produits pharmaceutiques | 0 | 0 | 0.0014189201940991696 | 0.0010806541176196362 | 0.0018588394695476123 | 0 | 0 | 0 | 0.0009672627083003349
Produits alimentaires | 0.01679081330718044 | 0.0067899152379816185 | 0.040192945582447875 | 0.05407979523177675 | 0.06680062026058523 | 0 | 0 | 0 | 0.04173626251451963
Matériaux de construction | 0 | 0.12070369777749497 | 0.038117277793338046 | 0.005022808919708456 | 0.0612892214189379 | 0 | 0 | 0 | 0.02262246967571777
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.048653526797519754 | 0.08384039392234695 | 0.02278873046320138 | 0.04206342970276822 | 0.050462866367868064 | 0.2453603231204803 | 0 | 0.2110895145489824 | 0.060019533472372565
S-Total | 0.10855813343671444 | 0.24346938200115437 | 0.20034810939337816 | 0.19893279144523746 | 0.27812694950488415 | 0.2453603231204803 | - | 0.2110895145489824 | 0.19963289832108827
(2) Commerce de détail
Produits pétroliers | 0.004230006650067643 | 0.004036795007966147 | 0.005573910895638334 | 0.0015277138242812522 | 0.004915419420389804 | 0 | 0 | 0 | 0.0032088922704105473
Produits pharmaceutiques | 0 | 0 | 6.371973343006267e-05 | 7.61827932351868e-05 | 0.00016238542948520334 | 0 | 0 | 0 | 7.278291012244659e-05
Véhicules automobiles | 0.0009911651083970448 | 0 | 7.395370592510543e-10 | 0.02764206281590597 | 0.07671543096892765 | 0 | 0 | 0 | 0.02895918480395927
Produits alimentaires | 0.0030541095535647233 | 0 | 0.030324844230770715 | 0.013682418301009233 | 0.040687322926431034 | 0 | 0 | 0 | 0.018643025253655552
Librairie ,papeterie | 1.7047097996116892e-05 | 0 | 0 | 0.000953866102183031 | 0.003283105220989793 | 0 | 0 | 0 | 0.0011639572700089642
Appareils électro- ménagers électroni.équip. inform. | 0.0009488953655794896 | 0 | 0.0032983352529244022 | 0.004086459618607666 | 0.017259580523449242 | 0 | 0 | 0 | 0.006340048122482127
Matériaux de construction | 0 | 0 | 0.0019685364987373642 | 0.0032726534965804746 | 0.008611167773147974 | 0 | 0 | 0 | 0.003480721843465868
Autres | 0.02570692291796121 | 0.32275459296842507 | 0.005166079593823836 | 0.10971148859090499 | 0.028791902481405403 | 0.09159015875072099 | 0 | 0.15429110989827707 | 0.057787458905712026
S-Total | 0.03494814669356623 | 0.32679138797639123 | 0.04639542694486177 | 0.1609528455427078 | 0.1804263147442261 | 0.09159015875072099 | - | 0.15429110989827707 | 0.11965607137981679
[Secteur d'activitéjuin 21 g]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2021
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 4154645.8 | 693735.5950500001 | 3653423.0287795756 | 16097251.441750772 | 17657430.08575 | 4052493 | 0 | 209283.2662 | 0 | 46518262.21753035
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 8286273.5200000005 | 17318.505549999998 | 824207.7830655519 | 1399903.2920797616 | 4400898.42492 | 3332400 | 159127.88071753603 | 80389.809165184 | 0 | 18500519.21549803
Industries Manufacturières ( 200 à 290 ) | 2224266.8099999996 | 2596.46861 | 3225229.919062481 | 9438956.73229649 | 7625424.396310001 | 2274874 | 9618.8578 | 193577.3528 | 0 | 24994544.53687897
Prêts aux Particuliers ( 1560 ) | 4060086.3 | 22864.024579999998 | 827041.3485420321 | 4097356.9608707107 | 1809222.04143 | 345254 | 65626.712228256 | 0 | 0 | 11227451.387650998
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5558632.86 | 262865.42678000004 | 3152635.131892032 | 7160912.960058656 | 4475852.72382 | 1363093 | 4649498.076819712 | 0 | 0 | 26623490.179370403
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2460776.96 | 129045.9157 | 389941.750138712 | 379529.79600407195 | 1394221.18309 | 59987 | 0 | 0 | 0 | 4813502.604932783
Bâtiments et Travaux Publics ( 600 ) | 872963.46 | 88097.50629 | 1839218.753801248 | 4802353.006080928 | 1029517.334 | 425782 | 0 | 89530.27228 | 0 | 9147462.332452176
Électricité, Gaz et Eau ( 300 à 500 ) | 1333322.96 | 0 | 778674.5079062879 | 1332440.07390016 | 78844.75991 | 173086 | 0 | 0 | 0 | 3696368.301716448
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 116187.993130792 | 20092.297100008003 | 35413.58437 | 0 | 0 | 0 | 0 | 171693.87460080002
Total | 28950968.67 | 1216523.44256 | 14806560.216318712 | 44728796.560141556 | 38506824.5336 | 12026969 | 4883871.527565504 | 572780.700445184 | 0 | 145693294.65063095
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.1435062794394575 | 0.5702607699775456 | 0.24674353633824006 | 0.35988563698794557 | 0.45855326424911014 | 0.3369504818712013 | 0 | 0.3653811415736217 | #DIV/0! | 0.3192889715966684
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.2862174877273286 | 0.01423606397058463 | 0.05566504110503465 | 0.031297584548188685 | 0.11428879109675472 | 0.2770772918762824 | 0.0325823232284854 | 0.14035006609458453 | #DIV/0! | 0.12698264020909017
Industries Manufacturières ( 200 à 290 ) | 0.07682875261803802 | 0.0021343350396405857 | 0.21782438810520402 | 0.21102639592829273 | 0.1980278687913168 | 0.18914773955100408 | 0.0019695149116247894 | 0.3379606761358148 | #DIV/0! | 0.17155590170992627
Prêts aux Particuliers ( 1560 ) | 0.140240084754304 | 0.018794561436387875 | 0.05585641340454803 | 0.091604453416525 | 0.04698445180415545 | 0.0287066508610773 | 0.013437436234316626 | 0 | #DIV/0! | 0.07706223827647085
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.19200161912924346 | 0.21607921194419175 | 0.21292150815808167 | 0.16009625813272704 | 0.11623531096194373 | 0.11333636928805586 | 0.9520107256255732 | 0 | #DIV/0! | 0.18273655107610065
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.08499808721598813 | 0.1060776234845432 | 0.026335742025277865 | 0.008485133184698204 | 0.03620711912698594 | 0.004987707210353664 | 0 | 0 | #DIV/0! | 0.03303860082562789
Bâtiments et Travaux Publics ( 600 ) | 0.030153169310172166 | 0.07241743414710641 | 0.12421647748909265 | 0.10736602313061941 | 0.026735970739463894 | 0.03540226968241125 | 0 | 0.1563081161959789 | #DIV/0! | 0.06278574696514053
Électricité, Gaz et Eau ( 300 à 500 ) | 0.04605451980546805 | 0 | 0.05258983156993409 | 0.029789311950492215 | 0.0020475528913375396 | 0.014391489659614155 | 0 | 0 | #DIV/0! | 0.02537088827993252
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007847061804587002 | 0.00044920272051120923 | 0.0009196703389317151 | 0 | 0 | 0 | #DIV/0! | 0.0011784610610427737
Total | 1 | 1 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1 | 1 | #DIV/0! | 1
[Secteur d' activitémars 21 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2021
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 113642.60901 | 25344.944 | 888219.08 | 0 | 0 | 0 | 0 | 1027206.63301
200 | Industrie alimentaire | 1510798 | 1209.3326299999999 | 618193.65725 | 1016779.121 | 2233613.65 | 621927.486 | 10484.3 | 104393.55690000001 | 0 | 6117399.1037800005
210 | Industrie des boissons | 775076 | 0 | 1230498.37503 | 2456764.438 | 2772794.04 | 110000 | 0 | 0 | 0 | 7345132.85303
220 | Industrie du bois | 43669 | 0 | 1100.3458 | 256.09 | 0 | 98.961 | 0 | 0 | 0 | 45124.3968
230 | Industrie chimique | 182 | 0 | 11123.115880000001 | 258201.184 | 17885.9 | 59724.31 | 0 | 81333.3335 | 0 | 428449.84338000003
240 | Industrie du textile | 49 | 0 | 492923.18179 | 1615190.999 | 5683.62 | 188818.555 | 0 | 0 | 0 | 2302665.3557900004
250 | Industrie pharmacie | 0 | 0 | 21322.2604 | 87500 | 84678.12 | 86736.836 | 0 | 0 | 0 | 280237.2164
260 | Imprimerie, édition | 72122 | 0 | 583.93486 | 56519.577 | 199022.66 | 44296.739 | 0 | 0 | 0 | 372544.91086
270 | Sidérurgie, aciérie | 0 | 0 | 21499.51761 | 92481.758 | 0 | 451863.67 | 0 | 0 | 0 | 565844.9456099999
280 | Industrie de la fabrication | 27617 | 2130.87401 | 205025.53809000002 | 2137995.596 | 420306.28 | 163377.338 | 0 | 0 | 0 | 2956452.6260999995
290 | Autres industries | 0 | 0 | 26564.60941 | 86634.592 | 991639.78 | 167759.306 | 0 | 0 | 0 | 1272598.28741
300 | Production et distribution de l'électricité | 1288751 | 0 | 331550.49761 | 453797.994 | 2396.27 | 3351.371 | 0 | 0 | 0 | 2079847.13261
400 | Production et distribution de gaz | 0 | 0 | 0 | 387428.64 | 48580.8 | 150933.577 | 0 | 0 | 0 | 586943.017
500 | Traitement et distribution de l'eau | 0 | 0 | 335276.46198 | 276613.909 | 30907.93 | 21018.169 | 0 | 0 | 0 | 663816.46998
600 | Entrep/ batiment et corps/ métiers corresp. | 763568 | 81676.93406 | 1650491.9365899998 | 4706608.121 | 764446.99 | 404695.955 | 0 | 89530.27228 | 0 | 8461018.20893
700 | Commerce de gros(1) | 3176726 | 292267.14043 | 3444624.66863 | 7116211.612 | 10116814.91 | 2694107.881 | 0 | 109972.9215 | 0 | 26950725.13356
800 | Commerce de détail(2) | 771113 | 366569.29608999996 | 809549.91107 | 7347106.597 | 6626856.64 | 1031502.795 | 0 | 77439.5881 | 0 | 17030137.827260002
900 | Rest/débits/boissons, casinos/activités/loterie | 114679 | 34.29018 | 1754.6386499999999 | 2419.045 | 13595.51 | 13331.872 | 0 | 0 | 0 | 145814.35583
1000 | Hotels,motels et pensions | 2098897 | 0 | 121506.70877 | 766837.96 | 1002626.54 | 272598.143 | 174336.87 | 0 | 0 | 4436803.22177
1100 | Transport | 752592 | 125752.9157 | 246427.75453 | 318825.008 | 658619.45 | 33936.445 | 0 | 0 | 0 | 2136153.5732299997
1200 | Immobilier résidentiel / Avance Hypothécaire | 2228894 | 211372.60684999998 | 1705633.46831 | 409363.109 | 2955774 | 1069767.664 | 3351204.63 | 0 | 0 | 11932009.478160001
1300 | Immobilier commercial | 3228871 | 50875.24243 | 1464922.58366 | 6037398.77 | 754821.92 | 96773.19 | 963368.19 | 0 | 0 | 12597030.896089999
1400 | Télécommunications | 1676352 | 0 | 12434.505060000001 | 54153.311 | 969543.22 | 33119.844 | 0 | 0 | 0 | 2745602.88006
1500 | Services financiers | 238769 | 0 | 184933.94846 | 1232844.258 | 1217224.54 | 1856072.051 | 0 | 70442.501567836 | 0 | 4800286.299027836
1510 | Services professionnels | 414421 | 7430.01382 | 279235.86714 | 124175.093 | 287471.74 | 350300.568 | 0 | 0 | 0 | 1463034.2819599998
1520 | Services médicaux | 11261 | 0 | 16966.27015 | 2972.924 | 52142.71 | 40025.314 | 0 | 0 | 0 | 123368.21815
1530 | Services d'agence ou de représentation | 693 | 775.39098 | 15713.921 | 19457.93 | 26722.22 | 18.297 | 0 | 0 | 0 | 63380.75898
1540 | Services d'enseignement | 250796 | 0 | 24174.40008 | 31471.466 | 52943.64 | 4490.416 | 0 | 0 | 0 | 363875.92208000005
1550 | Autres services | 38745 | 10822.81462 | 156246.03522 | 116961.022 | 967411.64 | 230655.038 | 0 | 0 | 0 | 1520841.54984
1560 | Crédit à la consommation | 3651643 | 22056.88189 | 853877.1715599999 | 4077055.289 | 1846156.34 | 333733.703 | 67747.69 | 0 | 0 | 10852270.07545
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 23136284 | 1172973.7336900001 | 14397797.893600002 | 41315370.357 | 36008900.14 | 10535035.493999999 | 4567141.680000001 | 533112.173847836 | 0 | 131666615.47213784
(1) Commerce de gros
Import-export | 986137 | 38963.200020000004 | 706101.7231515918 | 1151521.7583575977 | 3103490.21533 | 123749 | 0 | 0 | 6109962.8968591895
Produits pétroliers | 411844 | 0 | 587596.313201802 | 2287565.696973398 | 360489.42593 | 1064775 | 55511.41484375 | 0 | 4767781.850948949
Produits pharmaceutiques | 0 | 0 | 15520.307319846 | 70637.383292638 | 64319.871060000005 | 19340 | 0 | 0 | 169817.561672484
Produits alimentaires | 375368 | 8451.23978 | 814990.3886864199 | 2209877.50389342 | 2438804.17471 | 986131 | 0 | 0 | 6833622.30706984
Matériaux de construction | 0 | 118176.59714 | 993801.2305241239 | 174467.38806790806 | 2669203.5531 | 478895 | 0 | 0 | 4434543.768832032
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1403377 | 95511.45143 | 326614.70574327005 | 1222141.881319074 | 1587217.3447999998 | 21218 | 49252.06540000001 | 0 | 4705332.448692343
S-Total | 3176726 | 261102.48837000004 | 3444624.6686270535 | 7116211.611904035 | 10223524.584929999 | 2694108 | 0 | 104763.48024375 | 0 | 27021060.83407484
(2) Commerce de détail
Produits pétroliers | 118068 | 4910.8557599999995 | 85062.095658758 | 77422.53788 | 146225.02070999998 | 28559 | 55511.41484375 | 515758.92485250806
Produits pharmaceutiques | 117 | 0 | 979.76002 | 3714.44875 | 5875.84446 | 31820 | 0 | 0 | 42507.053230000005
Véhicules automobiles | 29358 | 0 | 172.47200999999998 | 1257052.3683556258 | 2945194.97269 | 497684 | 0 | 0 | 4729461.813055626
Produits alimentaires | 78920 | 0 | 558098.9711901239 | 614561.1605667201 | 1408287.51306 | 157126 | 16718.732 | 0 | 2833712.3768168436
Librairie ,papeterie | 717 | 0 | 0 | 38463.815264642 | 123131.28108 | 0 | 0 | 0 | 162312.096344642
Appareils électro- ménagers électroni.équip. inform. | 21525 | 0 | 48837.541079899995 | 167068.41567397598 | 620604.92204 | 256310 | 0 | 0 | 1114345.878793876
Matériaux de construction | 2924 | 0 | 29576.73794 | 149826.32027495 | 425206.10258999997 | 9 | 0 | 0 | 607542.1608049499
Autres | 519484 | 343193.54843 | 86822.33317371599 | 5038997.530271046 | 953616.9929099999 | 59995 | 0 | 0 | 7002109.404784761
S-Total | 771113 | 348104.40419000003 | 809549.911072498 | 7347106.59703696 | 6628142.64954 | 1031503 | 0 | 72230.14684375 | 0 | 17007749.708683208
[Secteur d'activitésmars 21 % ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2021
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.007893054885880537 | 0.0006134507274410974 | 0.024666653981284304 | 0 | 0 | 0 | 0.007801572398034099
200 | Industrie alimentaire | 0.06529994185756019 | 0.001030997195645311 | 0.0429366811382173 | 0.024610190159598283 | 0.062029488301944005 | 0.059034208888447064 | 0.002295593334866721 | 0.195819120292302 | 0.046461277081087514
210 | Industrie des boissons | 0.03350045322749323 | 0 | 0.08546434559808425 | 0.05946369152137478 | 0.0770030195096095 | 0.010441350678186904 | 0 | 0 | 0.05578584082754306
220 | Industrie du bois | 0.0018874681863345038 | 0 | 7.642458993601495e-05 | 6.198419566063772e-06 | 0 | 9.393513676945948e-06 | 0 | 0 | 0.00034271707097649853
230 | Industrie chimique | 7.866431791725932e-06 | 0 | 0.0007725567452884141 | 0.006249518805445087 | 0.000496707756428575 | 0.005669113315661317 | 0 | 0.1525632643369623 | 0.003254050708629819
240 | Industrie du textile | 2.1178854823877507e-06 | 0 | 0.03423601202299904 | 0.03909419146054782 | 0.00015783931133421173 | 0.017922915884577464 | 0 | 0 | 0.017488604438816693
250 | Industrie pharmacie | 0 | 0 | 0.0014809389989755312 | 0.0021178558789120235 | 0.0023515886258890883 | 0.00823317928538533 | 0 | 0 | 0.0021283847495821855
260 | Imprimerie, édition | 0.0031172680971585584 | 0 | 4.055723412116836e-05 | 0.001368003639120809 | 0.005527040793420913 | 0.004204707143628348 | 0 | 0 | 0.002829456119336756
270 | Sidérurgie, aciérie | 0 | 0 | 0.0014932504101586811 | 0.0022384346842562177 | 0 | 0.04289151852002294 | 0 | 0 | 0.0042975582199098845
280 | Industrie de la fabrication | 0.0011936661911653573 | 0.0018166425630833085 | 0.014240062237652078 | 0.051748189052304175 | 0.011672288749889044 | 0.01550800071751519 | 0 | 0 | 0.022454079308551974
290 | Autres industries | 0 | 0 | 0.0018450466943843056 | 0.0020969094855353664 | 0.027538741148565388 | 0.015923943122502403 | 0 | 0 | 0.009665307206740623
300 | Production et distribution de l'électricité | 0.05570259251658564 | 0 | 0.023027861625796144 | 0.010983757136358666 | 6.65466034975652e-05 | 0.0003181167260336902 | 0 | 0 | 0.01579631347818855
400 | Production et distribution de gaz | 0 | 0 | 0 | 0.009377348832947314 | 0.0013491331257306212 | 0.014326821877910229 | 0 | 0 | 0.004457796799099798
500 | Traitement et distribution de l'eau | 0 | 0 | 0.023286648726263515 | 0.006695181638451262 | 0.0008583414067031262 | 0.001995073392203609 | 0 | 0 | 0.005041646036086279
600 | Entrep/ batiment et corps/ métiers corresp. | 0.03300305269420102 | 0.06963236406245565 | 0.11463502604961998 | 0.11391905918622769 | 0.021229390151542685 | 0.03841429440180679 | 0 | 0.16793890042652498 | 0.06426092277522277
700 | Commerce de gros(1) | 0.13730493626374918 | 0.24916767702084108 | 0.23924663299803495 | 0.17224126397778522 | 0.2809531774274292 | 0.25572841045807304 | 0 | 0.20628476874998003 | 0.2046891312343567
800 | Commerce de détail(2) | 0.03332916383633604 | 0.3125127916861597 | 0.056227342337528914 | 0.17782986170799728 | 0.18403385313728718 | 0.09791165825568125 | 0 | 0.1452594630151951 | 0.12934286923220698
900 | Rest/débits/boissons, casinos/activités/loterie | 0.004956673249688671 | 2.9233544635418405e-05 | 0.0001218685428818221 | 5.855072770974556e-05 | 0.0003775597129360142 | 0.0012654795522609181 | 0 | 0 | 0.0011074512343704618
1000 | Hotels,motels et pensions | 0.09071884663933068 | 0 | 0.008439256452128088 | 0.018560597505816036 | 0.027843853494604404 | 0.02587538913895946 | 0.038171986379016816 | 0 | 0.03369725276115173
1100 | Transport | 0.03252864634614617 | 0.10720863740435185 | 0.01711565590454219 | 0.007716861914708262 | 0.018290462842223316 | 0.0032212938456000237 | 0 | 0 | 0.01622395749727488
1200 | Immobilier résidentiel | 0.09633759682410538 | 0.18020233597648716 | 0.11846488476325778 | 0.009908252194346897 | 0.08208453989175354 | 0.10154381203644383 | 0.7337641056057624 | 0 | 0.09062289203207285
1300 | Immobilier commercial | 0.13955875541638407 | 0.04337287440355044 | 0.10174629443237122 | 0.1461296054672082 | 0.02096209317877822 | 0.009185843754880093 | 0.21093459706290518 | 0 | 0.09567368957513513
1400 | Télécommunications | 0.07245554212595247 | 0 | 0.0008636393670678827 | 0.0013107303778731561 | 0.026925099523464644 | 0.003143780960098586 | 0 | 0 | 0.020852688209647197
1500 | Services financiers | 0.010320110178453894 | 0 | 0.012844599557978615 | 0.02983984525243693 | 0.033803435685830975 | 0.17618090153156918 | 0 | 0.13213448317903564 | 0.0364578848010537
1510 | Services professionnels | 0.017912167744828858 | 0.006334339471205623 | 0.019394345524472445 | 0.0030055422939942542 | 0.007983352417939195 | 0.03325100975687326 | 0 | 0 | 0.011111657094805438
1520 | Services médicaux | 0.00048672466157486657 | 0 | 0.001178393409560341 | 7.195685223952742e-05 | 0.0014480506151888259 | 0.0037992576316231252 | 0 | 0 | 0.0009369741730477314
1530 | Services d'agence ou de représentation | 2.9952951822341048e-05 | 0.0006610471809634951 | 0.0010914114169490482 | 0.0004709610450509558 | 0.0007421004222874329 | 1.736776303261689e-06 | 0 | 0 | 0.00048137304017974164
1540 | Services d'enseignement | 0.010839943008998333 | 0 | 0.0016790345481058472 | 0.0007617374775551985 | 0.0014702931718036084 | 0.0004262364376994666 | 0 | 0 | 0.002763615672622802
1550 | Autres services | 0.0016746423064308857 | 0.00922681754002542 | 0.01085207865637934 | 0.002830932434814383 | 0.026865903602686377 | 0.021894092158622966 | 0 | 0 | 0.011550699806374437
1560 | Crédit à la consommation | 0.15783187135842558 | 0.018804241950595386 | 0.059306095131364416 | 0.09868132014237724 | 0.05126944540994803 | 0.03167846023775343 | 0.014833717617448642 | 0 | 0.08242233641789375
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1 | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999998 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1 | 1
(1) Commerce de gros
Import-export | 0.03205059477176799 | 0.02516531372643384 | 0.05854060207542879 | 0.05401817894166574 | 0.050654800406566204 | 0.0177728247754266 | 0 | 0 | 0.04512582928669867
Produits pétroliers | 0.005704118282424044 | 0 | 0.0536872708541212 | 0.024958685852845403 | 0.008653521436004381 | 0.10429129425430402 | 0 | 0 | 0.026074385680376875
Produits pharmaceutiques | 0 | 0 | 0.0020896687300818663 | 0.002867790164056127 | 0.0018408845037124226 | 0.0006178802711200772 | 0 | 0 | 0.0017438574688723486
Produits alimentaires | 0.008802738036534618 | 0.01099419401860345 | 0.03827860364230004 | 0.06447943736041092 | 0.05042874827355871 | 0.08489643045259955 | 0 | 0 | 0.049158191134961796
Matériaux de construction | 0.005435217872689086 | 0.15320359396976113 | 0.0778519246404118 | 0.016169910332247222 | 0.11933753858847328 | 0.03760066525479155 | 0 | 0 | 0.05833401357954576
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.044852088665899396 | 0.08417694729947006 | 0.02859752179643176 | 0.06436341695359397 | 0.04765560611667916 | 0.0007802317660159508 | 0 | 0 | 0.044832690568225524
S-Total | 0.09684475762931513 | 0.2735400490142685 | 0.25904559173877545 | 0.22685741960481937 | 0.2785710993249942 | 0.24595932677425775 | - | 0 | 0.225268967718681
(2) Commerce de détail
Produits pétroliers | 0.004189111827389048 | 0 | 0.004014391855429044 | 0.0011665486617489463 | 0.0017348770463548853 | 0.004448076738703526 | 0 | 0 | 0.002291940959462693
Produits pharmaceutiques | 0 | 0 | 0.00013860448825868255 | 4.228813123875291e-06 | 0.0001091382580419256 | 0.00019854111903084464 | 0 | 0 | 7.016561637524103e-05
Véhicules automobiles | 0.0010064040855946022 | 0 | 0.003808062353415466 | 0.02559117767420288 | 0.05770788887857303 | 0.04173572831133583 | 0 | 0 | 0.03146258750817694
Produits alimentaires | 0.006525995144565175 | 0 | 0.034025197999337335 | 0.014864306215874888 | 0.036932592501709056 | 0.015352075431168273 | 0 | 0 | 0.022564783579663145
Librairie ,papeterie | 7.397338625677486e-06 | 0 | 0 | 0.0007387266836909887 | 0.002278344910867879 | 7.674797940532204e-07 | 0 | 0 | 0.0009903520984834685
Appareils électro- ménagers électroni.équip. inform. | 0.00018845699482760589 | 0 | 0.004334787407877403 | 0.006619318682956672 | 0.0439714097720231 | 0.04527109446418837 | 0 | 0 | 0.021427657112564898
Matériaux de construction | 0.0034380268119164554 | 0 | 0.0013937354877970889 | 0.00246486645863814 | 0.029527983399700867 | 6.700688971156962e-05 | 0 | 0 | 0.01129155070324652
Autres | 0.03041785394158875 | 0.3498907757718453 | 0.030446787818713128 | 0.07064173196225626 | 0.03125167082124464 | 0.010573392011949513 | 0 | 0 | 0.04263643786962351
S-Total | 0.04577324614450731 | 0.3498907757718453 | 0.07816156741082815 | 0.12209090515249266 | 0.2035139055885154 | 0.11764668244588197 | - | 0 | 0.1327354754475964
[Secteur d'activitémars 21 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2021
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3947839 | 658836.43652 | 4254174.579700001 | 14463318.208999999 | 16743671.55 | 3725610.676 | 0 | 187412.5096 | 0 | 43980862.96082
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3168261 | 19062.509599999998 | 800531.78947 | 2297139.698 | 3620138.5400000005 | 2767491.699 | 174336.87 | 70442.501567836 | 0 | 12917404.607637836
Industries Manufacturières ( 200 à 290 ) | 2429513 | 3340.20664 | 2628834.53612 | 7808323.355 | 6725624.050000001 | 1894603.201 | 10484.3 | 185726.8904 | 0 | 21686449.539160002
Prêts aux Particuliers ( 1560 ) | 3651643 | 22056.88189 | 853877.1715599999 | 4077055.289 | 1846156.34 | 333733.703 | 67747.69 | 0 | 0 | 10852270.07545
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5457765 | 262247.84927999997 | 3170556.05197 | 6446761.879 | 3710595.92 | 1166540.854 | 4314572.82 | 0 | 0 | 24529040.37425
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2428944 | 125752.9157 | 258862.25959 | 372978.31899999996 | 1628162.67 | 67056.28899999999 | 0 | 0 | 0 | 4881756.45329
Bâtiments et Travaux Publics ( 600 ) | 763568 | 81676.93406 | 1650491.9365899998 | 4706608.121 | 764446.99 | 404695.955 | 0 | 89530.27228 | 0 | 8461018.20893
Électricité, Gaz et Eau ( 300 à 500 ) | 1288751 | 0 | 666826.9595900001 | 1117840.543 | 81885 | 175303.117 | 0 | 0 | 0 | 3330606.6195900002
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 113642.60901 | 25344.944 | 888219.08 | 0 | 0 | 0 | 0 | 1027206.63301
Total | 23136284 | 1172973.7336899997 | 14397797.893599998 | 41315370.35699999 | 36008900.14 | 10535035.494 | 4567141.680000001 | 533112.173847836 | 0 | 131666615.47213784
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.17063410010008523 | 0.5616804687070011 | 0.29547397533556397 | 0.3500711256857825 | 0.4649870305647164 | 0.3536400687137542 | 0 | 0.35154423176517513 | #DIV/0! | 0.3340320004665636
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13693906074112852 | 0.016251437736829962 | 0.055600988108455554 | 0.05560012358961704 | 0.10053454912327685 | 0.2626941029839116 | 0.038171986379016816 | 0.13213448317903564 | #DIV/0! | 0.09810690858360605
Industries Manufacturières ( 200 à 290 ) | 0.10500878187698595 | 0.0028476397587286206 | 0.18258587566981682 | 0.1889931831066607 | 0.18677671419708075 | 0.17983833106960387 | 0.002295593334866721 | 0.3483823846292643 | #DIV/0! | 0.16470727573117502
Prêts aux Particuliers ( 1560 ) | 0.15783187135842558 | 0.018804241950595393 | 0.05930609513136443 | 0.09868132014237727 | 0.05126944540994803 | 0.03167846023775342 | 0.014833717617448642 | 0 | #DIV/0! | 0.08242233641789375
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.23589635224048944 | 0.22357521038003766 | 0.22021117919562908 | 0.15603785766155515 | 0.10304663307053176 | 0.1107296557913239 | 0.9446987026686677 | 0 | #DIV/0! | 0.18629658160720797
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.10498418847209863 | 0.1072086374043519 | 0.017979295271610077 | 0.009027592292581418 | 0.04521556236568796 | 0.006365074805698608 | 0 | 0 | #DIV/0! | 0.03707664570692208
Bâtiments et Travaux Publics ( 600 ) | 0.03300305269420102 | 0.06963236406245568 | 0.11463502604962 | 0.11391905918622772 | 0.021229390151542685 | 0.038414294401806784 | 0 | 0.16793890042652498 | #DIV/0! | 0.06426092277522277
Électricité, Gaz et Eau ( 300 à 500 ) | 0.05570259251658564 | 0 | 0.046314510352059676 | 0.02705628760775725 | 0.0022740211359313124 | 0.016640011996147525 | 0 | 0 | #DIV/0! | 0.025295756313374627
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007893054885880539 | 0.0006134507274410975 | 0.024666653981284304 | 0 | 0 | 0 | #DIV/0! | 0.007801572398034099
Total | 1 | 1.0000000000000002 | 1 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | #DIV/0! | 1
[Secteur d' activitédec. 20]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2020
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 110526.54572 | 18334.138 | 954918.7 | 0 | 0 | 0 | 0 | 1083779.38372
200 | Industrie alimentaire | 1461272 | 1209.3326299999999 | 768534.66862 | 1009513.407 | 2388621.91 | 431102.061 | 11339.35 | 98956.1961 | 0 | 6170548.92535
210 | Industrie des boissons | 775134 | 0 | 1161561.9498299998 | 2239363.501 | 2892103.46 | 231330.511 | 0 | 0 | 0 | 7299493.42183
220 | Industrie du bois | 39519 | 0 | 1093.86803 | 2611.107 | 0 | 2417.377 | 0 | 0 | 0 | 45641.35203
230 | Industrie chimique | 144 | 0 | 12243.857689999999 | 262562.284 | 17986.98 | 54310.439 | 0 | 81333.3335 | 0 | 428580.89418999996
240 | Industrie du textile | 94 | 0 | 472377.69596 | 1378927.462 | 6980.49 | 140535.348 | 0 | 0 | 0 | 1998914.99596
250 | Industrie pharmacie | 0 | 0 | 23384.421489999997 | 100000 | 97573.5 | 3338.039 | 0 | 0 | 0 | 224295.96048999997
260 | Imprimerie, édition | 17883 | 0 | 2171.05723 | 83784.868 | 212900.32 | 40447.519 | 0 | 0 | 0 | 357186.76423
270 | Sidérurgie, aciérie | 16951 | 0 | 18886.86477 | 123216.215 | 0 | 287585.18 | 0 | 0 | 0 | 446639.25977
280 | Industrie de la fabrication | 29664 | 0 | 269568.00508 | 1980950.654 | 341754.76 | 170670.718 | 0 | 0 | 0 | 2792608.1370800002
290 | Autres industries | 0 | 0 | 35877.16663 | 80951.908 | 998365.05 | 130940.355 | 0 | 0 | 0 | 1246134.47963
300 | Production et distribution de l'électricité | 1143930 | 0 | 334958.39235000004 | 470640.333 | 2164.82 | 4272.917 | 0 | 89530.27228 | 0 | 2045496.7346299998
400 | Production et distribution de gaz | 0 | 0 | 5.1320500000000004 | 356333.923 | 78053.52 | 139436.194 | 0 | 0 | 0 | 573828.76905
500 | Traitement et distribution de l'eau | 0 | 0 | 329156.58926 | 230613.265 | 35109.5 | 7912.071 | 0 | 0 | 0 | 602791.4252599999
600 | Entrep/ batiment et corps/ métiers corresp. | 775626 | 76934.40452 | 1510072.5878299999 | 3570835.287 | 662709.72 | 537597.94 | 0 | 0 | 0 | 7133775.93935
700 | Commerce de gros(1) | 2899120 | 274916.69956 | 2750384.36444 | 5823173.494 | 8959107.78 | 1806430.919 | 0 | 104763.48023999999 | 0 | 22617896.737239998
800 | Commerce de détail(2) | 750114 | 348104.40419 | 793801.95903 | 7415455.482 | 6543126.6 | 920779.963 | 0 | 72230.14684 | 0 | 16843612.55506
900 | Rest/débits/boissons, casinos/activités/loterie | 105104 | 34.29018 | 1826.14382 | 2554.759 | 14879.49 | 17711.879 | 0 | 0 | 0 | 142110.562
1000 | Hotels,motels et pensions | 1962401 | 0 | 126438.167 | 729172.49 | 938052.62 | 269731.502 | 174528.45 | 0 | 0 | 4200324.228999999
1100 | Transport | 733614 | 123678.2832 | 289316.55755 | 240066.162 | 427515.27 | 32473.679 | 0 | 0 | 0 | 1846663.95175
1200 | Immobilier résidentiel / Avance Hypothécaire | 2198734 | 210428.49223 | 1767510.3556400002 | 443863.835 | 2916808.01 | 991513.941 | 3253166.43 | 0 | 0 | 11782025.06387
1300 | Immobilier commercial | 3153220 | 51382.948130000004 | 1444105.37007 | 6048077.722 | 238395.95 | 91450.041 | 917185.54 | 0 | 0 | 11943817.571199998
1400 | Télécommunications | 1514621 | 0 | 14352.70458 | 52348.763 | 1088546.49 | 33947.031 | 0 | 0 | 0 | 2703815.98858
1500 | Services financiers | 308016 | 0 | 317526.73782 | 1013840.406 | 1212841.11 | 1978977.628 | 0 | 63552.83092 | 0 | 4894754.71274
1510 | Services professionnels | 382273 | 7525.799 | 266483.15502 | 121765.428 | 320930.93 | 328410.163 | 0 | 0 | 0 | 1427388.47502
1520 | Services médicaux | 12103 | 0 | 14211.253560000001 | 3424.22 | 57999.97 | 41857.976 | 0 | 0 | 0 | 129596.41956000001
1530 | Services d'agence ou de représentation | 1379 | 775.39098 | 15896.55094 | 18520.544 | 27868.68 | 2414.846 | 0 | 0 | 0 | 66855.01192
1540 | Services d'enseignement | 252690 | 0 | 23505.02829 | 41760.715 | 31594.67 | 4749.988 | 0 | 0 | 0 | 354300.40129
1550 | Autres services | 39827 | 10896.931630000001 | 95218.69323 | 199118.785 | 909978.84 | 220387.83 | 0 | 0 | 0 | 1475428.07986
1560 | Crédit à la consommation | 3383105 | 20872.75972 | 908958.63547 | 4429193.872 | 1869147.07 | 318436.605 | 69911.97 | 0 | 0 | 10999625.912190001
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 21956538 | 1126759.7359699998 | 13879954.478999997 | 38490975.02900001 | 34246036.20999999 | 9241170.66 | 4426131.739999999 | 510366.25988 | 0 | 123877932.11385003
(1) Commerce de gros
Import-export | 947362 | 38963.20002 | 925490.69303 | 1270857.032 | 2004414.1 | 199996 | 0 | 5387083.025049999
Produits pétroliers | 169843 | 0 | 291990.20916 | 1422446.068 | 342632.09 | 496721 | 55511.41484 | 0 | 2779143.782
Produits pharmaceutiques | 0 | 18175.24635 | 69623.584 | 64680.46 | 12979 | 0 | 165458.29035
Produits alimentaires | 379630 | 8451.23978 | 492276.30757 | 1920799.521 | 2380833.64 | 770692 | 0 | 5952682.70835
Matériaux de construction | 118176.59714 | 733798.84015 | 346704.373 | 2714587.09 | 306105 | 0 | 4219371.900289999
Appareils électroménagers électron.,équipe.inform. | 0 | 0
Autres | 1402285 | 109325.66262 | 288653.0682 | 792742.916 | 1451960.39 | 19938 | 49252.0654 | 0 | 4114157.1022200002
S-Total | 2899120 | 274916.69956 | 2750384.36446 | 5823173.493999999 | 8959107.77 | 1806431 | 0 | 104763.48024 | 0 | 22617896.808259998
(2) Commerce de détail
Produits pétroliers | 123913 | 4910.85576 | 87529.44709 | 53074.906 | 245804.86 | 40463 | 55511.41484 | 611207.4836899999
Produits pharmaceutiques | 455 | 0 | 1012.16571 | 3810.17 | 4072.06 | 48438 | 0 | 57787.39571
Véhicules automobiles | 30000 | 0 | 96021.01586 | 1164613.031 | 2829095.74 | 472042 | 0 | 4591771.78686
Produits alimentaires | 71449 | 0 | 464376.65750000003 | 655936.192 | 1339606.42 | 138066 | 16718.732 | 0 | 2686153.0015
Librairie ,papeterie | 810 | 0 | 0 | 28054.788 | 125982.72 | 0 | 0 | 154847.508
Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 42573.76663 | 202717.577 | 621809.82 | 159228 | 0 | 1026329.16363
Matériaux de construction | 19446 | 0 | 29990.03587 | 137874.898 | 413247.49 | 2 | 0 | 600560.4238699999
Autres | 504041 | 348104.40419 | 72298.87036 | 5169373.918 | 963507.49 | 62540 | 0 | 7119865.68255
S-Total | 750114 | 353015.25995 | 793801.95902 | 7415455.4799999995 | 6543126.600000001 | 920779 | 0 | 72230.14684 | 0 | 16848522.445809998
[Secteur d'activitésdec. 20%]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2020
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.007963033732367331 | 0.0004763230338069282 | 0.02788406500957794 | 0 | 0 | 0 | 0.00874876876959774
200 | Industrie alimentaire | 0.06655293288951108 | 0.0010732834972656483 | 0.05537011449012838 | 0.026227275516907764 | 0.06974885780511182 | 0.04665015687525459 | 0.002561909736559265 | 0.19389251186641354 | 0.0498115267187295
210 | Industrie des boissons | 0.035303106527996356 | 0 | 0.08368629389868766 | 0.0581789237428465 | 0.08445075051212768 | 0.025032598088606233 | 0 | 0 | 0.05892488918140319
220 | Industrie du bois | 0.0017998739145488236 | 0 | 7.880919434245937e-05 | 6.783686300574954e-05 | 0 | 0.0002615877456374126 | 0 | 0 | 0.00036843811687180337
230 | Industrie chimique | 6.558410984463944e-06 | 0 | 0.0008821252049871367 | 0.006821398621421759 | 0.0005252280844913586 | 0.005877008552074505 | 0 | 0.15936267714704241 | 0.003459703329533404
240 | Industrie du textile | 4.281184948191741e-06 | 0 | 0.034033086828540754 | 0.035824695554245736 | 0.0002038335168833836 | 0.015207526532141762 | 0 | 0 | 0.01613616696574251
250 | Industrie pharmacie | 0 | 0 | 0.0016847621168628475 | 0.002598011609855496 | 0.00284919105386883 | 0.0003612138681139777 | 0 | 0 | 0.0018106207995453197
260 | Imprimerie, édition | 0.000814472664133116 | 0 | 0.0001564167399312982 | 0.0021767405979421024 | 0.0062167872128171195 | 0.00437688259292465 | 0 | 0 | 0.0028833768705609926
270 | Sidérurgie, aciérie | 0.0007720251708170022 | 0 | 0.0013607295901852795 | 0.003201171570924509 | 0 | 0.031119994487797932 | 0 | 0 | 0.003605478814091893
280 | Industrie de la fabrication | 0.0013510326627995724 | 0 | 0.019421389709011597 | 0.051465327976428374 | 0.009979396094319555 | 0.018468517061235614 | 0 | 0 | 0.022543225330185955
290 | Autres industries | 0 | 0 | 0.0025848187531364894 | 0.0021031399682395397 | 0.0291527184015671 | 0.014169238921944115 | 0 | 0 | 0.010059374243386142
300 | Production et distribution de l'électricité | 0.05209974359345722 | 0 | 0.02413252816187425 | 0.012227290492002565 | 6.321373915290854e-05 | 0.00046237832383024083 | 0 | 0.17542357188943256 | 0.01651219631879297
400 | Production et distribution de gaz | 0 | 0 | 3.697454489324627e-07 | 0.009257596689393544 | 0.0022791986646678846 | 0.015088585540741436 | 0 | 0 | 0.004632211397608919
500 | Traitement et distribution de l'eau | 0 | 0 | 0.023714529450222996 | 0.005991359398566821 | 0.001025213539596383 | 0.0008561762671743582 | 0 | 0 | 0.004866011362750263
600 | Entrep/ batiment et corps/ métiers corresp. | 0.03532551443219327 | 0.06827933415083301 | 0.108795211836948 | 0.09277071532507682 | 0.019351428467113685 | 0.05817422486600848 | 0 | 0 | 0.05758714096707476
700 | Commerce de gros(1) | 0.13203903092554936 | 0.24398875002693537 | 0.19815514298705078 | 0.15128672343614794 | 0.2616100656164085 | 0.1954764158635287 | 0 | 0.2052711718533912 | 0.18258213025749426
800 | Commerce de détail(2) | 0.03416358261944574 | 0.3089428855836115 | 0.05719053043228646 | 0.19265439434602583 | 0.19106230455042789 | 0.09963888741775492 | 0 | 0.14152610099457422 | 0.13596943594101873
900 | Rest/débits/boissons, casinos/activités/loterie | 0.004786911306327072 | 3.0432557097436947e-05 | 0.00013156698912542597 | 6.637293542382817e-05 | 0.0004344879479995154 | 0.0019166271949359283 | 0 | 0 | 0.0011471822266890383
1000 | Hotels,motels et pensions | 0.08937661301613214 | 0 | 0.009109407901250512 | 0.018943985946072404 | 0.027391567720356627 | 0.029188023024779845 | 0.03943137264142979 | 0 | 0.0339069611296037
1100 | Transport | 0.03341209802747592 | 0.10976455694303666 | 0.02084420074919758 | 0.006236946760094503 | 0.012483642409837892 | 0.0035140222158823327 | 0 | 0 | 0.014907126073535223
1200 | Immobilier résidentiel | 0.10014028623273852 | 0.18675542399360523 | 0.12734266227704108 | 0.011531633965249843 | 0.0851721347286399 | 0.10729311009174675 | 0.7349908726395028 | 0 | 0.09510995915754977
1300 | Immobilier commercial | 0.1436118936418847 | 0.04560239995243146 | 0.10404251485513825 | 0.1571297613906438 | 0.0069612713289833915 | 0.009895936820627874 | 0.20722056953505866 | 0 | 0.09641602315594865
1400 | Télécommunications | 0.06898268752569281 | 0 | 0.0010340599172508282 | 0.0013600269403557382 | 0.031786057905356636 | 0.0036734556961422896 | 0 | 0 | 0.021826454013577315
1500 | Services financiers | 0.014028441095768377 | 0 | 0.02287664115184308 | 0.026339691453286095 | 0.035415517946741096 | 0.2141479365342659 | 0 | 0.124523966249146 | 0.0395127253839003
1510 | Services professionnels | 0.017410440571277677 | 0.006679151517178792 | 0.01919913753486598 | 0.0031634799562302346 | 0.009371330685747706 | 0.0355377229880094 | 0 | 0 | 0.01152254038038154
1520 | Services médicaux | 0.0005512253343400494 | 0 | 0.0010238688881509842 | 8.896163314699386e-05 | 0.0016936257861884685 | 0.004529510117282046 | 0 | 0 | 0.0010461622772399398
1530 | Services d'agence ou de représentation | 6.280589408038735e-05 | 0.0006881600000842105 | 0.0011452884059563063 | 0.0004811658833283955 | 0.0008137782670410838 | 0.0002613138625880544 | 0 | 0 | 0.000539684597403167
1540 | Services d'enseignement | 0.01150864494211246 | 0 | 0.001693451396080764 | 0.0010849482240586654 | 0.0009225788878531354 | 0.0005140028438777907 | 0 | 0 | 0.0028600768130709526
1550 | Autres services | 0.0018139016269322604 | 0.009671033923322704 | 0.006860158898508159 | 0.005173129151703204 | 0.026571800439032477 | 0.02384847527531755 | 0 | 0 | 0.01191033830387165
1560 | Crédit à la consommation | 0.15408189578885342 | 0.018524587854598082 | 0.06548714816357866 | 0.11507097101756818 | 0.05457995367809022 | 0.034458470329775295 | 0.015795275447449745 | 0 | 0.08879407110284013
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1 | 1 | 1.0000000000000002 | 0.9999999999999997 | 1.0000000000000002 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999999
(1) Commerce de gros
Import-export | 0.043147148243498135 | 0.034579865410665864 | 0.0666782224992339 | 0.033017013236024975 | 0.05852981313541631 | 0.021641846835019924 | 0 | 0 | 0.043487027375456996
Produits pétroliers | 0.007735418033571595 | 0 | 0.021036827577624515 | 0.036955313990573 | 0.01000501453362214 | 0.05375087402617019 | 0 | 0.1087677991351782 | 0.022434534824538624
Produits pharmaceutiques | 0 | 0 | 0.0013094600834245291 | 0.0018088287955174936 | 0.0018886991651639094 | 0.0014044757398734154 | 0 | 0 | 0.001335655895498284
Produits alimentaires | 0.017290066403000327 | 0.007500480812552762 | 0.035466709081416734 | 0.04990259455762875 | 0.06952143674089752 | 0.08339765905805704 | 0 | 0 | 0.04805280978438667
Matériaux de construction | 0 | 0.10488180697925335 | 0.052867524980735214 | 0.009007419862416703 | 0.07926719090506973 | 0.03312405010817104 | 0 | 0 | 0.034060722747714135
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.06386639824547932 | 0.09702659682446341 | 0.02079639876605679 | 0.020595552993987 | 0.04239791084423432 | 0.0021575188613603634 | 0 | 0.09650337271821299 | 0.033211380203205874
S-Total | 0.1320390309255494 | 0.24398875002693537 | 0.19815514298849168 | 0.15128672343614794 | 0.26161006532440395 | 0.19547642462865197 | - | 0.2052711718533912 | 0.18258213083080058
(2) Commerce de détail
Produits pétroliers | 0.00564355819665195 | 0.004358387687480122 | 0.006306176812209992 | 0.0013788922197998912 | 0.007177614906808511 | 0.004378557813583328 | 0 | 0.1087677991351782 | 0.004933949681435347
Produits pharmaceutiques | 2.0722756930077047e-05 | 0 | 7.292284074356151e-05 | 9.898865895523116e-05 | 0.00011890602389805745 | 0.005241543715847793 | 0 | 0 | 0.000466486602770302
Véhicules automobiles | 0.0013663356217633218 | 0 | 0.0069179633121475475 | 0.030256781755269985 | 0.08261089612391088 | 0.05108032492498088 | 0 | 0 | 0.03706690698259261
Produits alimentaires | 0.0032541104613122524 | 0 | 0.03345664124493993 | 0.017041298421404037 | 0.03911712327188479 | 0.014940314931917944 | 0 | 0.03275830185939602 | 0.021683870207256047
Librairie ,papeterie | 3.6891061787609686e-05 | 0 | 0 | 0.0007288666493603465 | 0.003678753337392445 | 0 | 0 | 0 | 0.0012500007495902287
Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.003067284312381066 | 0.005266626185677754 | 0.01815713258571013 | 0.017230284544923664 | 0 | 0 | 0.008285004004480411
Matériaux de construction | 0.0008856587500269852 | 0 | 0.0021606724946666165 | 0.0035820058571164226 | 0.012067016675037267 | 2.1642279680613537e-07 | 0 | 0 | 0.004848001686999867
Autres | 0.02295630577097355 | 0.3089428855836115 | 0.005208869414477279 | 0.1343009345464819 | 0.028134861625785806 | 0.006767540856127853 | 0 | 0 | 0.057474850936375714
S-Total | 0.03416358261944574 | 0.31330127327109164 | 0.057190530431565995 | 0.19265439429406556 | 0.19106230455042789 | 0.09963878321017827 | - | 0.14152610099457422 | 0.13600907085150052
[Secteur d'activitédec 20 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2020
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3649234 | 623021.10375 | 3544186.32347 | 13238628.976 | 15502234.379999999 | 2727210.882 | 0 | 176993.62708 | 0 | 39461509.29229999
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3063793 | 19232.41179 | 861105.72968 | 2130157.347 | 3514146.3100000005 | 2864241.812 | 174528.45 | 63552.83092 | 0 | 12690757.89139
Industries Manufacturières ( 200 à 290 ) | 2340661 | 1209.3326299999999 | 2765699.55533 | 7261881.4059999995 | 6956286.470000001 | 1492677.5469999998 | 11339.35 | 180289.5296 | 0 | 21010044.19056
Prêts aux Particuliers ( 1560 ) | 3383105 | 20872.75972 | 908958.63547 | 4429193.872 | 1869147.07 | 318436.605 | 69911.97 | 0 | 0 | 10999625.912190001
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5351954 | 261811.44036 | 3211615.72571 | 6491941.557 | 3155203.96 | 1082963.982 | 4170351.97 | 0 | 0 | 23725842.63507
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2248235 | 123678.2832 | 303669.26213000005 | 292414.925 | 1516061.76 | 66420.71 | 0 | 0 | 0 | 4550479.94033
Bâtiments et Travaux Publics ( 600 ) | 775626 | 76934.40452 | 1510072.5878299999 | 3570835.287 | 662709.72 | 537597.94 | 0 | 0 | 0 | 7133775.93935
Électricité, Gaz et Eau ( 300 à 500 ) | 1143930 | 0 | 664120.11366 | 1057587.5210000002 | 115327.84000000001 | 151621.18199999997 | 0 | 89530.27228 | 0 | 3222116.92894
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 110526.54572 | 18334.138 | 954918.7 | 0 | 0 | 0 | 0 | 1083779.38372
Total | 21956538 | 1126759.73597 | 13879954.478999998 | 38490975.02899999 | 34246036.21 | 9241170.660000002 | 4426131.74 | 510366.25988 | 0 | 123877932.11384998
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.1662026135449951 | 0.5529316356105468 | 0.25534567341933717 | 0.3439411177821739 | 0.45267237016683626 | 0.2951153032812836 | 0 | 0.34679727284796547 | #DIV/0! | 0.3185515661985131
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1395389837869704 | 0.017068777997683138 | 0.0620395211657812 | 0.05534173518324984 | 0.1026146876809601 | 0.30994361184105645 | 0.039431372641429784 | 0.124523966249146 | #DIV/0! | 0.10244567111216032
Industries Manufacturières ( 200 à 290 ) | 0.1066042834257386 | 0.0010732834972656481 | 0.19925854652581387 | 0.18866452202181758 | 0.20312676268118682 | 0.16152472472573073 | 0.0025619097365592648 | 0.353255189013456 | #DIV/0! | 0.16960280037005077
Prêts aux Particuliers ( 1560 ) | 0.15408189578885342 | 0.018524587854598075 | 0.06548714816357865 | 0.11507097101756823 | 0.05457995367809021 | 0.03445847032977529 | 0.01579527544744974 | 0 | #DIV/0! | 0.08879407110284016
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24375217987462322 | 0.23235782394603666 | 0.2313851771321793 | 0.16866139535589372 | 0.09213340605762327 | 0.11718904691237461 | 0.9422114421745612 | 0 | #DIV/0! | 0.1915259823134985
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.10239478555316872 | 0.10976455694303665 | 0.021878260666448407 | 0.007596973700450244 | 0.04426970031519452 | 0.007187477912024621 | 0 | 0 | #DIV/0! | 0.03673358008711255
Bâtiments et Travaux Publics ( 600 ) | 0.03532551443219327 | 0.068279334150833 | 0.10879521183694799 | 0.09277071532507686 | 0.01935142846711368 | 0.05817422486600846 | 0 | 0 | #DIV/0! | 0.05758714096707478
Électricité, Gaz et Eau ( 300 à 500 ) | 0.05209974359345722 | 0 | 0.04784742735754617 | 0.027476246579962945 | 0.0033676259434171755 | 0.016407140131746028 | 0 | 0.17542357188943256 | #DIV/0! | 0.026010419079152164
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.00796303373236733 | 0.00047632303380692835 | 0.027884065009577935 | 0 | 0 | 0 | #DIV/0! | 0.008748768769597744
Total | 0.9999999999999999 | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 0.9999999999999999
[Secteur d' activitésept. 20 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2020
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 103763.36486 | 21264.05 | 1435005.05 | 0 | 0 | 0 | 0 | 1560032.46486
200 | Industrie alimentaire | 1441830.9485499999 | 1209.3326299999999 | 604415.94 | 905028.224 | 2187482.25 | 402011.535 | 12429.97 | 94679.83290000001 | 0 | 5649088.0330799995
210 | Industrie des boissons | 775189.04235 | 0 | 1041130.5716 | 1278551.228 | 2919311.85 | 220837.65 | 0 | 0 | 0 | 6235020.341950001
220 | Industrie du bois | 36458.33746 | 0 | 1163.50729 | 382.958 | 0 | 3733.517 | 0 | 0 | 0 | 41738.31975
230 | Industrie chimique | 231.68579 | 0 | 13312.69546 | 264733.6 | 20854.66 | 56225.348 | 0 | 81333.3335 | 0 | 436691.32274999993
240 | Industrie du textile | 344.65772 | 0 | 402590.57766 | 1108916.659 | 8190.39 | 63787.397 | 0 | 0 | 0 | 1583829.68138
250 | Industrie pharmacie | 0 | 0 | 25387.99782 | 0 | 88417.91 | 4321.414 | 0 | 0 | 0 | 118127.32182000001
260 | Imprimerie, édition | 75288.50398000001 | 0 | 7112.42619 | 141531.13 | 170252.05 | 56677.011 | 0 | 0 | 0 | 450861.12117
270 | Sidérurgie, aciérie | 20609.96818 | 0 | 28375.25991 | 187080.826 | 0 | 275022.983 | 0 | 0 | 0 | 511089.03709
280 | Industrie de la fabrication | 31430.145510000002 | 0 | 261486.88496999998 | 1755736.334 | 390201.23 | 175938.944 | 0 | 0 | 0 | 2614793.53848
290 | Autres industries | 0 | 0 | 14286.592869999999 | 77043.858 | 1146016.45 | 132416.394 | 0 | 0 | 0 | 1369763.29487
300 | Production et distribution de l'électricité | 1026559.05192 | 0 | 334960.71611000004 | 455246.279 | 0 | 3484.422 | 0 | 89530.27228 | 0 | 1909780.74131
400 | Production et distribution de gaz | 0 | 0 | 0 | 336812.017 | 65274.55 | 127478.815 | 0 | 0 | 0 | 529565.382
500 | Traitement et distribution de l'eau | 0 | 0 | 344372.56169999996 | 270133.423 | 38715.3 | 7035.755 | 0 | 0 | 0 | 660257.0397
600 | Entrep/ batiment et corps/ métiers corresp. | 789796.41263 | 73330.20064 | 1393328.4891300001 | 3009504.484 | 754627.56 | 570384.855 | 0 | 0 | 0 | 6590972.001400001
700 | Commerce de gros(1) | 3178016.0804000003 | 248573.93335 | 2815102.98311 | 4986794.818 | 8362650.75 | 1545884.677 | 0 | 102210.0335 | 0 | 21239233.275360003
800 | Commerce de détail(2) | 640763.91258 | 336087.6155 | 1034421.73729 | 6813508.613 | 6759646.12 | 776339.653 | 0 | 69676.70009999999 | 0 | 16430444.35147
900 | Rest/débits/boissons, casinos/activités/loterie | 97885.77997 | 34.29018 | 1929.3141799999999 | 2559.367 | 13811.87 | 17217.297 | 0 | 0 | 0 | 133437.91833
1000 | Hotels,motels et pensions | 1812083.8661300002 | 0 | 131228.54258 | 688174.233 | 872662.34 | 258048.3 | 173187.4 | 0 | 0 | 3935384.6817099997
1100 | Transport | 928436.11628 | 121958.20726000001 | 249095.21922 | 239791.074 | 349839.11 | 51131.733 | 0 | 0 | 0 | 1940251.45976
1200 | Immobilier résidentiel / Avance Hypothécaire | 2151349.1525100004 | 210231.65282 | 1755745.8927200001 | 432717.997 | 2772863.44 | 953815.529 | 3170457.8 | 0 | 0 | 11447181.46405
1300 | Immobilier commercial | 3113565.6451999997 | 51918.20269 | 1545758.7623299998 | 6064286.379 | 154866.65 | 96174.588 | 903162.52 | 0 | 0 | 11929732.74722
1400 | Télécommunications | 1319651.38919 | 0 | 13542.6569 | 50764.484 | 1073933.85 | 34344.56 | 0 | 0 | 0 | 2492236.94009
1500 | Services financiers | 158746.44713 | 0 | 167426.26632 | 592574.02 | 1036533.41 | 1869972.489 | 0 | 58134.25836 | 0 | 3883386.89081
1510 | Services professionnels | 350305.10968 | 7730.82381 | 288521.98436 | 95522.377 | 312725.89 | 293957.064 | 0 | 0 | 0 | 1348763.2488499999
1520 | Services médicaux | 1156.79087 | 0 | 13260.4141 | 3919.212 | 42439.21 | 40933.645 | 0 | 0 | 0 | 101709.27197
1530 | Services d'agence ou de représentation | 1420.9521599999998 | 775.39098 | 14905.35161 | 20135.457 | 18054.57 | 2333.098 | 0 | 0 | 0 | 57624.819749999995
1540 | Services d'enseignement | 184749.22172 | 0 | 26109.10945 | 35733.943 | 40112.33 | 5472.254 | 0 | 0 | 0 | 292176.85817
1550 | Autres services | 3385203.8818 | 9500.61441 | 164387.2754 | 139497.758 | 1091845.04 | 170677.02 | 0 | 0 | 0 | 4961111.589609999
1560 | Crédit à la consommation | 3096292.52661 | 19919.872460000002 | 963307.74057 | 4133179.073 | 1879872.95 | 285456.969 | 66321.77 | 0 | 0 | 10444350.90164
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 24617365.626319997 | 1081270.13673 | 13760430.835709997 | 34111123.87500001 | 34006206.78 | 8501114.916 | 4325559.459999999 | 495564.43064000004 | 0 | 120898636.06039998
(1) Commerce de gros
Import-export | 892104 | 40284.00969 | 971287.42856 | 1147790.135 | 1697163.46 | 150038 | 0 | 0 | 4898667.03325
Produits pétroliers | 321619 | 465185.71355 | 571905.106 | 316412.64 | 196098 | 54383.4225 | 0 | 1925603.8820500004
Produits pharmaceutiques | 0 | 22432.6165 | 54787.442 | 77043.61 | 12614 | 0 | 166877.6685
Produits alimentaires | 428392 | 8425.87964 | 425244.57588 | 1982644.661 | 2290598.14 | 780233 | 0 | 5915538.25652
Matériaux de construction | 0 | 108952.33812 | 774327.52341 | 321195.638 | 2455958.27 | 386292 | 0 | 4046725.76953
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1535900 | 90911.7059 | 156625.1252 | 908471.837 | 1525474.63 | 20609 | 47826.611 | 0 | 4285818.9091
S-Total | 3178015 | 248573.93335 | 2815102.9831 | 4986794.819 | 8362650.750000001 | 1545884 | 0 | 102210.03349999999 | 0 | 21239231.51895
(2) Commerce de détail
Produits pétroliers | 140376 | 4910.85576 | 89305.22299 | 79154.028 | 247726.63 | 15655 | 54383.4225 | 631511.1592499999
Produits pharmaceutiques | 780 | 993.32416 | 4058.949 | 4014.31 | 47530 | 0 | 57376.58316
Véhicules automobiles | 47284 | 173700.51208 | 1227481.382 | 3106748.43 | 403555 | 0 | 4958769.32408
Produits alimentaires | 65371 | 621842.17585 | 524193.742 | 1321637.24 | 117717 | 15293.2776 | 0 | 2666054.43545
Librairie ,papeterie | 898 | 2978.9453 | 17697.821 | 117380.21 | 0 | 0 | 138954.9763
Appareils électro- ménagers électroni.équip. inform. | 0 | 40183.3653 | 214235.762 | 610966.3 | 132335 | 0 | 997720.4273000001
Matériaux de construction | 17764 | 30388.73357 | 133608.24 | 485030.83 | 1 | 0 | 666792.80357
Autres | 368290 | 331176.75974 | 75029.45742 | 4613078.689 | 866142.16 | 59547 | 0 | 6313264.066160001
S-Total | 640763 | 336087.6155 | 1034421.73667 | 6813508.613 | 6759646.11 | 776340 | 0 | 69676.7001 | 0 | 16430443.775270002
[Secteur d'activitésept. 20% ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2020
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.007540706108614086 | 0.0006233758253736222 | 0.04219832747838158 | 0 | 0 | 0 | 0.012903639906083146
200 | Industrie alimentaire | 0.0585696686817068 | 0.0011184370944131402 | 0.04392420173585458 | 0.02653176211128282 | 0.06432597037804638 | 0.047289271933422715 | 0.002873609787345289 | 0.1910545371017147 | 0.046725821044480274
210 | Industrie des boissons | 0.03148952061390338 | 0 | 0.07566118997510886 | 0.037481943798898056 | 0.08584644176535822 | 0.025977492620922006 | 0 | 0 | 0.05157229680271195
220 | Industrie du bois | 0.0014810007704894332 | 0 | 8.45545683773619e-05 | 1.1226777558058395e-05 | 0 | 0.00043917968841629526 | 0 | 0 | 0.00034523400023427786
230 | Industrie chimique | 9.411477796482412e-06 | 0 | 0.0009674621106667629 | 0.007760916965682941 | 0.0006132604008120425 | 0.006613879303546166 | 0 | 0.1641226215427962 | 0.0036120450732945613
240 | Industrie du textile | 1.4000593127296465e-05 | 0 | 0.029257120105224348 | 0.03250894526558603 | 0.000240849855821526 | 0.0075034154496541805 | 0 | 0 | 0.013100476010239946
250 | Industrie pharmacie | 0 | 0 | 0.0018450002127923966 | 0 | 0.002600052119073776 | 0.000508334970495063 | 0 | 0 | 0.00097707737381739
260 | Imprimerie, édition | 0.0030583493426081408 | 0 | 0.0005168752544827584 | 0.004149119522377507 | 0.005006499287069264 | 0.006667009158213807 | 0 | 0 | 0.0037292490292839485
270 | Sidérurgie, aciérie | 0.0008372125796419324 | 0 | 0.0020620909511323395 | 0.0054844521302070395 | 0 | 0.03235140163584633 | 0 | 0 | 0.004227417725661223
280 | Industrie de la fabrication | 0.0012767469105790924 | 0 | 0.019002812345919405 | 0.0514710784796738 | 0.01147441208378137 | 0.020695984672417997 | 0 | 0 | 0.021627982115312454
290 | Autres industries | 0 | 0 | 0.0010382373226951985 | 0.0022586138845007487 | 0.033700214123087796 | 0.0155763561966182 | 0 | 0 | 0.011329849033083197
300 | Production et distribution de l'électricité | 0.04170060547918418 | 0 | 0.024342313122982757 | 0.013345977126647807 | 0 | 0.00040987823766997297 | 0 | 0.1806632331629926 | 0.015796544969753745
400 | Production et distribution de gaz | 0 | 0 | 0 | 0.009873964230385533 | 0.0019194892985944492 | 0.014995540733142115 | 0 | 0 | 0.0043802428154394845
500 | Traitement et distribution de l'eau | 0 | 0 | 0.025026292113348017 | 0.007919217906448998 | 0.0011384774623781195 | 0.0008276273253003513 | 0 | 0 | 0.005461244735384284
600 | Entrep/ batiment et corps/ métiers corresp. | 0.03208289727742347 | 0.06781857571852187 | 0.1012561674678196 | 0.08822648280450418 | 0.02219087723844041 | 0.06709529992665729 | 0 | 0 | 0.054516512478331065
700 | Commerce de gros(1) | 0.12909651376352718 | 0.22989068587591124 | 0.2045795670731809 | 0.14619262725772617 | 0.24591542373724282 | 0.18184493354989015 | 0 | 0.20624973702814015 | 0.17567802224624812
800 | Commerce de détail(2) | 0.02602893917677846 | 0.31082668806187813 | 0.07517364460751835 | 0.19974447743111773 | 0.1987768339977141 | 0.09132209841544979 | 0 | 0.14060068841102163 | 0.13590264445383388
900 | Rest/débits/boissons, casinos/activités/loterie | 0.003976289805166807 | 3.1712870664958056e-05 | 0.00014020739634061416 | 7.503027485634258e-05 | 0.00040615732561278037 | 0.0020252987014203537 | 0 | 0 | 0.001103717317897081
1000 | Hotels,motels et pensions | 0.07360998303541406 | 0 | 0.009536659436523305 | 0.02017448136630766 | 0.025661854779793818 | 0.030354642014581608 | 0.04003815034830201 | 0 | 0.03255110901122088
1100 | Transport | 0.03771468200022791 | 0.1127916171150612 | 0.01810228343821674 | 0.007029703122028838 | 0.010287507579520752 | 0.006014709071131912 | 0 | 0 | 0.01604858022377247
1200 | Immobilier résidentiel | 0.08739152617572758 | 0.19443027757687548 | 0.1275938169147746 | 0.012685539139246547 | 0.08153992175424865 | 0.11219887490343392 | 0.7329590147397952 | 0 | 0.09468412413131842
1300 | Immobilier commercial | 0.12647842553352207 | 0.048015940629796854 | 0.11233360210776012 | 0.1777803159234078 | 0.004554070114373397 | 0.011313173501394415 | 0.20879669516784316 | 0 | 0.09867549491013283
1400 | Télécommunications | 0.05360652350952924 | 0 | 0.0009841739013618058 | 0.0014882090717979893 | 0.03158052460680826 | 0.004040006556711743 | 0 | 0 | 0.020614268459115608
1500 | Services financiers | 0.006448555444140376 | 0 | 0.012167225599180253 | 0.017371870307512697 | 0.030480712438930833 | 0.21996791097136137 | 0 | 0.11730918275333466 | 0.032121014904335984
1510 | Services professionnels | 0.014229999870719979 | 0.00714976169912518 | 0.020967510959849472 | 0.0028003292225152452 | 0.009196141516845767 | 0.03457864843665878 | 0 | 0 | 0.011156149422365433
1520 | Services médicaux | 4.6990847337588436e-05 | 0 | 0.0009636627121868603 | 0.00011489542280582508 | 0.0012479842363647474 | 0.004815091362070467 | 0 | 0 | 0.0008412772491427188
1530 | Services d'agence ou de représentation | 5.772153615335547e-05 | 0.0007171112506121309 | 0.0010832038464463477 | 0.0005902900494802296 | 0.0005309198440391299 | 0.0002744461194859115 | 0 | 0 | 0.0004766374677809525
1540 | Services d'enseignement | 0.007504833154140296 | 0 | 0.0018974049404211731 | 0.0010475744842341403 | 0.0011795590804791313 | 0.0006437101549704542 | 0 | 0 | 0.002416709300376481
1550 | Autres services | 0.137512840861439 | 0.00878653177154412 | 0.011946375615899684 | 0.00408950929061114 | 0.03210722816171736 | 0.020077015978076918 | 0 | 0 | 0.041035298257057824
1560 | Crédit à la consommation | 0.12577676155971604 | 0.018422660335595788 | 0.07000563805532156 | 0.12116807080722429 | 0.05528028933546348 | 0.033578768411039794 | 0.015332529956714552 | 0 | 0.08638931953229056
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1 | 1.0000000000000002 | 1 | 0.9999999999999998 | 0.9999999999999999 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002
(1) Commerce de gros
Import-export | 0.03623880855253637 | 0.037256193731409024 | 0.07058553908351406 | 0.03364855814209082 | 0.04990746162839159 | 0.01764921442452361 | 0 | 0 | 0.040518794858882164
Produits pétroliers | 0.013064720444990938 | 0 | 0.03380604278339791 | 0.01676594145932402 | 0.009304555549138492 | 0.023067327278557637 | 0 | 0.10974036701900934 | 0.01592742436802996
Produits pharmaceutiques | 0 | 0 | 0.0016302263183347882 | 0.0016061459071465434 | 0.002265574943375087 | 0.0014838053743114466 | 0 | 0 | 0.0013803105968592504
Produits alimentaires | 0.017402024509965388 | 0.007792575928788455 | 0.03090343470761384 | 0.058123111635529474 | 0.06735823712473468 | 0.0917800791672065 | 0 | 0 | 0.04892973526653059
Matériaux de construction | 0 | 0.10076329163172486 | 0.05627204065446306 | 0.009416155245339302 | 0.0722208826726425 | 0.04544015741664161 | 0 | 0 | 0.03347205478404478
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.062390916368316486 | 0.08407862458398889 | 0.01138228352513053 | 0.02663271489761197 | 0.04485871181896048 | 0.002424270252036198 | 0 | 0.09650937000913079 | 0.03544968784394589
S-Total | 0.1290964698758092 | 0.22989068587591122 | 0.20457956707245417 | 0.14619262728704213 | 0.24591542373724282 | 0.181844853913277 | - | 0.20624973702814015 | 0.17567800771829264
(2) Commerce de détail
Produits pétroliers | 0.005702316085760007 | 0.004541747333234888 | 0.006490001952427394 | 0.0023204755225907955 | 0.00728474750514353 | 0.0018415231595723556 | 0 | 0.10974036701900934 | 0.005223476292441397
Produits pharmaceutiques | 3.168495004055398e-05 | 0 | 7.218699558608315e-05 | 0.00011899194570293235 | 0.00011804639152994058 | 0.0055910313493755396 | 0 | 0 | 0.0004745842056591534
Véhicules automobiles | 0.001920757920150711 | 0 | 0.012623188485437968 | 0.03598478274999374 | 0.09135827615525662 | 0.047470832236424274 | 0 | 0 | 0.041015924460906565
Produits alimentaires | 0.0026554831655141724 | 0 | 0.045190603642746685 | 0.015367237500614304 | 0.03886458870729716 | 0.013847242527970552 | 0 | 0.03086032139201232 | 0.022051981083707685
Librairie ,papeterie | 3.6478314277458304e-05 | 0 | 0.0002164863393862112 | 0.0005188284345263308 | 0.0034517289963970515 | 0 | 0 | 0 | 0.0011493510665461868
Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.002920211276795147 | 0.006280524874673304 | 0.017966317265333057 | 0.015566781687767978 | 0 | 0 | 0.008252536668830135
Matériaux de construction | 0.0007216044263082063 | 0 | 0.002208414397254011 | 0.003916852475738018 | 0.014263008901223884 | 1.1763162948402145e-07 | 0 | 0 | 0.005515304599771297
Autres | 0.014960577244148239 | 0.30628494072864326 | 0.005452551472828119 | 0.1352367839272783 | 0.025470119781468906 | 0.007004610640885025 | 0 | 0 | 0.052219481309995465
S-Total | 0.026028902106199348 | 0.31082668806187813 | 0.07517364456246163 | 0.19974447743111773 | 0.19877683370365018 | 0.0913221392336252 | - | 0.14060068841102166 | 0.1359026396878579
[Secteur d'activitésept 20 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2020
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3818779.9929800006 | 584661.54885 | 3849524.7204 | 11800303.431 | 15122296.870000001 | 2322224.33 | 0 | 171886.73359999998 | 0 | 37669677.62683
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 5991552.04946 | 18041.11938 | 807768.258 | 1578116.367 | 3428184.66 | 2658611.167000001 | 173187.4 | 58134.25836 | 0 | 14713595.279200003
Industries Manufacturières ( 200 à 290 ) | 2381383.28954 | 1209.3326299999999 | 2399262.4537699996 | 5719004.817 | 6930726.79 | 1390972.193 | 12429.97 | 176013.1664 | 0 | 19011002.012339998
Prêts aux Particuliers ( 1560 ) | 3096292.52661 | 19919.872460000002 | 963307.74057 | 4133179.073 | 1879872.95 | 285456.969 | 66321.77 | 0 | 0 | 10444350.90164
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5264914.79771 | 262149.85550999996 | 3301504.65505 | 6497004.376 | 2927730.09 | 1049990.117 | 4073620.32 | 0 | 0 | 23376914.211269997
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2248087.50547 | 121958.20726000001 | 262637.87612 | 290555.55799999996 | 1423772.96 | 85476.293 | 0 | 0 | 0 | 4432488.39985
Bâtiments et Travaux Publics ( 600 ) | 789796.41263 | 73330.20064 | 1393328.4891300001 | 3009504.484 | 754627.56 | 570384.855 | 0 | 0 | 0 | 6590972.001400001
Électricité, Gaz et Eau ( 300 à 500 ) | 1026559.05192 | 0 | 679333.27781 | 1062191.719 | 103989.85 | 137998.992 | 0 | 89530.27228 | 0 | 3099603.1630100003
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 103763.36486 | 21264.05 | 1435005.05 | 0 | 0 | 0 | 0 | 1560032.46486
Total | 24617365.62632 | 1081270.13673 | 13760430.835709998 | 34111123.875 | 34006206.78 | 8501114.916000001 | 4325559.46 | 495564.43064000004 | 0 | 120898636.0604
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.15512545294030564 | 0.5407173739377894 | 0.2797532116806992 | 0.345937104688844 | 0.44469225773495696 | 0.27316703196533987 | 0 | 0.3468504254391617 | #DIV/0! | 0.31158066670008194
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.24338721455451143 | 0.01668511759194639 | 0.05870225050684771 | 0.04626398041832329 | 0.10081055738378357 | 0.3127367637386259 | 0.040038150348302 | 0.11730918275333466 | #DIV/0! | 0.12170191293017737
Industries Manufacturières ( 200 à 290 ) | 0.09673591096985254 | 0.0011184370944131402 | 0.17435954458225394 | 0.16765805893576702 | 0.20380770001305037 | 0.16362232562955273 | 0.002873609787345288 | 0.3551771586445108 | #DIV/0! | 0.15724744820811917
Prêts aux Particuliers ( 1560 ) | 0.125776761559716 | 0.018422660335595788 | 0.07000563805532155 | 0.12116807080722432 | 0.05528028933546348 | 0.03357876841103979 | 0.015332529956714549 | 0 | #DIV/0! | 0.08638931953229055
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.2138699517092496 | 0.2424462182066723 | 0.2399274190225347 | 0.1904658550626544 | 0.08609399186862204 | 0.12351204840482831 | 0.9417557099076381 | 0 | #DIV/0! | 0.1933596190414512
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.09132120550975714 | 0.1127916171150612 | 0.01908645733957854 | 0.008517912193826829 | 0.041868032186329014 | 0.010054715627843654 | 0 | 0 | #DIV/0! | 0.03666284868288807
Bâtiments et Travaux Publics ( 600 ) | 0.032082897277423465 | 0.06781857571852187 | 0.10125616746781958 | 0.0882264828045042 | 0.02219087723844041 | 0.06709529992665728 | 0 | 0 | #DIV/0! | 0.05451651247833106
Électricité, Gaz et Eau ( 300 à 500 ) | 0.04170060547918417 | 0 | 0.04936860523633077 | 0.031139159263482347 | 0.0030579667609725684 | 0.016233046296112434 | 0 | 0.1806632331629926 | #DIV/0! | 0.025638032520577513
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007540706108614085 | 0.0006233758253736223 | 0.04219832747838158 | 0 | 0 | 0 | #DIV/0! | 0.012903639906083144
Total | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 0.9999999999999998 | #DIV/0! | 0.9999999999999999
[Secteur d' activitéjuin 20]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2020
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 126493.83055 | 9395.856 | 744343.57 | 0 | 0 | 0 | 0 | 880233.2565499999
200 | Industrie alimentaire | 1446166 | 1209.3326299999999 | 651545.9562799999 | 793172.946 | 2712546.15 | 550575.742 | 11232.94 | 161826.05697 | 0 | 6328275.123880001
210 | Industrie des boissons | 187 | 0 | 1603453.33536 | 1180348.372 | 3545963.01 | 299448.6 | 0 | 0 | 0 | 6629400.317359999
220 | Industrie du bois | 62563 | 0 | 2182.06742 | 773.525 | 0 | 4604.07 | 0 | 0 | 0 | 70122.66242000001
230 | Industrie chimique | 308 | 0 | 12822.91841 | 601363.09 | 976.22 | 68251.166 | 0 | 79706.66683 | 0 | 763428.06124
240 | Industrie du textile | 801 | 0 | 419948.56712 | 1716604.049 | 7703.9 | 276350.702 | 0 | 0 | 0 | 2421408.2181200003
250 | Industrie pharmacie | 0 | 0 | 128544.44072 | 0 | 51681.55 | 11513.829 | 0 | 0 | 0 | 191739.81972
260 | Imprimerie, édition | 95853 | 0 | 6005.12723 | 102239.726 | 113001.47 | 48125.398 | 0 | 0 | 0 | 365224.72122999997
270 | Sidérurgie, aciérie | 871 | 0 | 81486.85698000001 | 226698.564 | 0 | 218893.067 | 0 | 0 | 0 | 527949.4879800001
280 | Industrie de la fabrication | 33985 | 50.45233 | 428288.62489 | 2449521.502 | 703647.38 | 320477.775 | 0 | 0 | 0 | 3935970.7342199995
290 | Autres industries | 0 | 0 | 42085.785619999995 | 133555.365 | 894965.47 | 211928.527 | 0 | 0 | 0 | 1282535.14762
300 | Production et distribution de l'électricité | 1729544 | 0 | 334959.19423 | 1812502.799 | 0 | 6310.847 | 0 | 126020.19311 | 0 | 4009337.03334
400 | Production et distribution de gaz | 0 | 0 | 0 | 603638.716 | 81351.47 | 220064.755 | 0 | 0 | 0 | 905054.941
500 | Traitement et distribution de l'eau | 0 | 0 | 390754.08341 | 84168.318 | 35782.85 | 0 | 0 | 0 | 0 | 510705.25141
600 | Entrep/ batiment et corps/ métiers corresp. | 897211 | 103289.35152 | 2047046.00544 | 4420702.358 | 789700.97 | 947760.96 | 0 | 0 | 0 | 9205710.64496
700 | Commerce de gros(1) | 3267195 | 355252.30939999997 | 3526119.0043699997 | 8472334.348 | 10351920.34 | 2482739.552 | 0 | 125005.3153 | 0 | 28580565.869069997
800 | Commerce de détail(2) | 610060 | 488227.61473000003 | 1376000.73142 | 6569841.476 | 8476138.56 | 1093342.875 | 0 | 0 | 0 | 18613611.25715
900 | Rest/débits/boissons, casinos/activités/loterie | 156013 | 34.29018 | 2751.40477 | 2998.82 | 14796.49 | 21260.707 | 0 | 0 | 0 | 197854.71195
1000 | Hotels,motels et pensions | 1908215 | 0 | 138823.57815000002 | 927154.415 | 1138830.9 | 366691.824 | 182892.34 | 0 | 0 | 4662608.05715
1100 | Transport | 2276985 | 139495.27721 | 404963.37520999997 | 308618.198 | 482920.97 | 84827.807 | 0 | 0 | 0 | 3697810.62742
1200 | Immobilier résidentiel / Avance Hypothécaire | 2202905 | 244881.32452000002 | 1861197.2661 | 519811.802 | 3176117.14 | 1133566.539 | 3847947.41 | 0 | 0 | 12986426.48162
1300 | Immobilier commercial | 3450007 | 57631.9491 | 1598732.2311600002 | 6716277.417 | 3666677.43 | 160284.48 | 1394622.88 | 0 | 0 | 17044233.38726
1400 | Télécommunications | 2267603 | 0 | 21836.45346 | 65792.537 | 1211777.99 | 35307.464 | 0 | 0 | 0 | 3602317.4444600004
1500 | Services financiers | 147152 | 0 | 341596.10394999996 | 593089.45 | 754976.52 | 1785620.707 | 0 | 142453.52453999998 | 0 | 3764888.3054899997
1510 | Services professionnels | 1033745 | 7730.82381 | 295990.13444 | 112901.666 | 268725.31 | 507917.983 | 0 | 0 | 0 | 2227010.91725
1520 | Services médicaux | 1361 | 0 | 20343.73127 | 4374.659 | 2430.5 | 29265.131 | 0 | 0 | 0 | 57775.02127
1530 | Services d'agence ou de représentation | 332 | 775.39098 | 18453.79668 | 38501.762 | 27903.82 | 4358.514 | 0 | 0 | 0 | 90325.28365999999
1540 | Services d'enseignement | 184328 | 0 | 28427.56297 | 76104.427 | 29582.57 | 8420.13 | 0 | 0 | 0 | 326862.68997
1550 | Autres services | 58638 | 10374.469550000002 | 212922.66759 | 122798.496 | 1722988.91 | 216825.56 | 0 | 0 | 0 | 2344548.10314
1560 | Crédit à la consommation | 3061686 | 28433.47317 | 1053090.42628 | 3802331.174 | 1880150.82 | 289388.281 | 88821.39 | 0 | 0 | 10203901.564450001
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 24893714 | 1437386.05913 | 17176865.26148 | 42467615.83300001 | 42887602.28000001 | 11404122.992000002 | 5525516.96 | 635011.7567500001 | 0 | 146427835.14236003
(1) Commerce de gros
Import-export | 591791 | 43655.47777 | 1043755.79298 | 1873384.304 | 2800657.33 | 131016 | 0 | 6484259.904750001
Produits pétroliers | 470304 | 0 | 317144.34985 | 2429165.901 | 543903.84 | 387526 | 98716.6297 | 0 | 4246760.72055
Produits pharmaceutiques | 0 | 0 | 30078.18817 | 71040.589 | 86306.5 | 12535 | 0 | 199960.27717000002
Produits alimentaires | 435232 | 9861.4907 | 804906.61799 | 2487432.629 | 2646321.4 | 996818 | 0 | 7380572.13769
Matériaux de construction | 0 | 180104.73089 | 1040341.75969 | 392876.018 | 3158410.67 | 822404 | 0 | 5594137.17858
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1769867 | 121630.61004 | 289892.29569 | 1218434.906 | 1116320.6 | 32612 | 26288.6856 | 0 | 4575046.09733
S-Total | 3267194 | 355252.3094 | 3526119.00437 | 8472334.347000001 | 10351920.34 | 2382911 | 0 | 125005.3153 | 0 | 28480736.31607
(2) Commerce de détail
Produits pétroliers | 100898 | 4910.85576 | 65604.18463 | 26082.376 | 170636 | 29952 | 398083.41639
Produits pharmaceutiques | 1094 | 0 | 946.7156 | 4208.249 | 859.28 | 41624 | 0 | 48732.2446
Véhicules automobiles | 34804 | 0 | 270960.12985 | 1860673.37 | 4336398.03 | 552894 | 0 | 7055729.5298500005
Produits alimentaires | 113458 | 0 | 845997.42634 | 852566.569 | 1326136.93 | 169789 | 0 | 3307947.9253399996
Librairie ,papeterie | 478 | 0 | 0 | 29918.831 | 180128.02 | 0 | 0 | 210524.851
Appareils électro- ménagers électroni.équip. inform. | 30535 | 0 | 70611.37865 | 312193.331 | 686831.95 | 194703 | 0 | 1294874.6596499998
Matériaux de construction | 0 | 0 | 30770.39849 | 222624.362 | 874853.86 | 28 | 0 | 1128276.62049
Autres | 328793 | 483316.75897 | 91110.49785 | 3261574.39 | 900294.49 | 104354 | 0 | 5169443.136820001
S-Total | 610060 | 488227.61473000003 | 1376000.7314100002 | 6569841.478 | 8476138.56 | 1093344 | 0 | 0 | 0 | 18613612.38414
[Secteur d'activitéjuin 20% ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2020
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.00736419763585553 | 0.0002212475510032948 | 0.017355681605616676 | 0 | 0 | 0 | 0.006011379296116888
200 | Industrie alimentaire | 0.05809362154638717 | 0.0008413415604795604 | 0.03793159848212381 | 0.01867712444981794 | 0.06324779203767601 | 0.0482786569722397 | 0.002032921097033426 | 0.25483946596237567 | 0.04321770596230919
210 | Industrie des boissons | 0 | 0 | 0.09334959033274984 | 0.02779408141586312 | 0.08268037431539059 | 0.026257924455046943 | 0 | 0 | 0.045274181038835716
220 | Industrie du bois | 0.0025132047391562386 | 0 | 0.00012703525275321322 | 1.8214467302374963e-05 | 0 | 0.00040371977777070247 | 0 | 0 | 0.0004788888830585071
230 | Industrie chimique | 1.2372601372378586e-05 | 0 | 0.0007465226171830114 | 0.014160509795624152 | 2.276228905562402e-05 | 0.0059847798947694816 | 0 | 0.1255199860203218 | 0.005213681268303804
240 | Industrie du textile | 3.2176797724919634e-05 | 0 | 0.024448498647873556 | 0.04042148388434113 | 0.0001796300000569768 | 0.02423252556938049 | 0 | 0 | 0.0165365295182153
250 | Industrie pharmacie | 0 | 0 | 0.007483579731411615 | 0 | 0.0012050463829287308 | 0.0010096198548609969 | 0 | 0 | 0.0013094492555570925
260 | Imprimerie, édition | 0.003850490127748716 | 0 | 0.00034960553853017674 | 0.0024074750605743516 | 0.0026348283418188793 | 0.004219999910011493 | 0 | 0 | 0.0024942301501276807
270 | Sidérurgie, aciérie | 3.49887525822784e-05 | 0 | 0.0047439888326270135 | 0.005338151425582054 | 0 | 0.019194204337637678 | 0 | 0 | 0.0036055268280564086
280 | Industrie de la fabrication | 0.0013652040832476825 | 3.5100055186660884e-05 | 0.0249340387998769 | 0.05767975088671136 | 0.01640677824342107 | 0.02810192201757341 | 0 | 0 | 0.026879935296409807
290 | Autres industries | 0 | 0 | 0.0024501435494391124 | 0.003144875509969624 | 0.020867696546825926 | 0.018583500646973727 | 0 | 0 | 0.008758820659836252
300 | Production et distribution de l'électricité | 0.06947713788308164 | 0 | 0.019500600903074157 | 0.04267964573588262 | 0 | 0.0005533829304039479 | 0 | 0.19845332274629573 | 0.0273809759561223
400 | Production et distribution de gaz | 0 | 0 | 0 | 0.014214094767498926 | 0.001896852835672211 | 0.01929694682829846 | 0 | 0 | 0.006180894091072833
500 | Traitement et distribution de l'eau | 0 | 0 | 0.022748858855304994 | 0.0019819412121222946 | 0.0008343401845219684 | 0 | 0 | 0 | 0.0034877607178545136
600 | Entrep/ batiment et corps/ métiers corresp. | 0.03604166899322456 | 0.07185915771474607 | 0.11917459759264722 | 0.1040958450642486 | 0.018413269290371712 | 0.0831068693896808 | 0 | 0 | 0.06286858394109307
700 | Commerce de gros(1) | 0.13124578357411834 | 0.2471516313543641 | 0.20528303335286108 | 0.1995010593793792 | 0.24137325916276423 | 0.2177054345820054 | 0 | 0.19685511956468196 | 0.19518533372622363
800 | Commerce de détail(2) | 0.02450658828971844 | 0.3396635243738953 | 0.08010779094284172 | 0.15470238550323373 | 0.1976361024955858 | 0.0958725958819438 | 0 | 0 | 0.12711798435764265
900 | Rest/débits/boissons, casinos/activités/loterie | 0.006267164473730195 | 2.385592915848555e-05 | 0.00016018084371716918 | 7.061427728348546e-05 | 0.00034500623055115675 | 0.00186430004437118 | 0 | 0 | 0.0013512097051605095
1000 | Hotels,motels et pensions | 0.07665449197335521 | 0 | 0.008082008913542507 | 0.021832033581681377 | 0.026553848652226396 | 0.032154320350388586 | 0.03309958892968451 | 0 | 0.03184236147872377
1100 | Transport | 0.09146827186975796 | 0.09704788516902109 | 0.02357609313721236 | 0.007267142078651474 | 0.011260153152119742 | 0.007438345505349841 | 0 | 0 | 0.025253467852098716
1200 | Immobilier résidentiel | 0.08849242021499885 | 0.1703657294883034 | 0.10835488535116067 | 0.012240192716353846 | 0.07405676631824985 | 0.09939971182310096 | 0.6963959097141202 | 0 | 0.08868823655689739
1300 | Immobilier commercial | 0.13858948487959652 | 0.0400949687343445 | 0.09307473784202284 | 0.15815056450098688 | 0.08549504367395937 | 0.01405495890498898 | 0.25239681465026215 | 0 | 0.11640022793951206
1400 | Télécommunications | 0.09109138957730453 | 0 | 0.0012712711619721072 | 0.0015492401847733363 | 0.02825473856264272 | 0.0030960262375956662 | 0 | 0 | 0.024601316006330056
1500 | Services financiers | 0.005911211159572252 | 0 | 0.019886987453761235 | 0.013965687462471866 | 0.01760360756637757 | 0.15657676686340666 | 0 | 0.22433210570632472 | 0.025711561615520035
1510 | Services professionnels | 0.04152634677171916 | 0.005378390698097629 | 0.017231906400510286 | 0.0026585355402096366 | 0.006265804001948508 | 0.04453810111977087 | 0 | 0 | 0.015208931519644853
1520 | Services médicaux | 5.4672436583789785e-05 | 0 | 0.001184368099784881 | 0.00010301164579624491 | 5.667138918450163e-05 | 0.0025661886512912484 | 0 | 0 | 0.00039456310484840525
1530 | Services d'agence ou de représentation | 1.3336700180615877e-05 | 0.0005394451790281849 | 0.0010743401894979978 | 0.0009066146343464309 | 0.0006506267199976467 | 0.00038218756523912447 | 0 | 0 | 0.0006168586974749983
1540 | Services d'enseignement | 0.007404600213531818 | 0 | 0.001654991323344095 | 0.0017920579130053743 | 0.000689769733613562 | 0.000738340861976561 | 0 | 0 | 0.0022322442290580724
1550 | Autres services | 0.0023555344132257646 | 0.007217594385379882 | 0.012395897874770549 | 0.002891579703529715 | 0.040174521735935095 | 0.019012909642600596 | 0 | 0 | 0.016011628532652852
1560 | Crédit à la consommation | 0.12299032599153345 | 0.019781375357995193 | 0.06130865034155034 | 0.0895348396517553 | 0.0438390285314873 | 0.02537575938132253 | 0.016074765608899696 | 0 | 0.06968553181524241
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 0.9999924880634526 | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999998 | 0.9999999999999998 | 0.9999999999999996 | 0.9999999999999999 | 1 | 0.9999999999999998
(1) Commerce de gros
Import-export | 0.023772708242731477 | 0.030371435351490155 | 0.06076520815009685 | 0.04411324410974497 | 0.06530225942022515 | 0.011488476587976804 | 0 | 0 | 0.04428297323692504
Produits pétroliers | 0.01889248024621798 | 0 | 0.018463459136587188 | 0.0572004303361995 | 0.012682076196496566 | 0.033981218921599644 | 0 | 0.0006741657390756734 | 0.02900241416818882
Produits pharmaceutiques | 0 | 0 | 0.0017510871577628242 | 0.0016728179250598994 | 0.0020123880891389384 | 0.0010991638733459214 | 0 | 0 | 0.0013655892472602268
Produits alimentaires | 0.017483610521113885 | 0.006860711245501309 | 0.04685992500593483 | 0.058572457629399305 | 0.06170364532675384 | 0.08740856273641281 | 0 | 0 | 0.05040416072882907
Matériaux de construction | 0 | 0.12530017927056505 | 0.06056645050497192 | 0.009251190826086135 | 0.07364390877763939 | 0.07211462035063256 | 0 | 0 | 0.03820405575989886
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.07109694439327133 | 0.08461930548680763 | 0.01687690339750748 | 0.028690918529342052 | 0.02602898135251034 | 0.00285966750997664 | 0 | 0.04139873840217683 | 0.031244374356023567
S-Total | 0.13124574340333467 | 0.24715163135436413 | 0.2052830333528611 | 0.19950105935583184 | 0.24137325916276423 | 0.2089517099799444 | - | 0.042072904141252504 | 0.19450356749712558
(2) Commerce de détail
Produits pétroliers | 0.0040531517313969305 | 0.0034165182894374054 | 0.0038193339489668555 | 0.0006141709509327423 | 0.003978678940500564 | 0.0026264185348589576 | 0 | 0 | 0.0027186321234823657
Produits pharmaceutiques | 4.394683734214991e-05 | 0 | 5.51157376848649e-05 | 9.909313055266751e-05 | 2.0035626948553203e-05 | 0.0036499080226685783 | 0 | 0 | 0.0003328072463314202
Véhicules automobiles | 0.00139810395507878 | 0 | 0.01577471358861049 | 0.043813935242254395 | 0.10111075927464974 | 0.04848193941681052 | 0 | 0 | 0.048185712251979144
Produits alimentaires | 0.0045576967743744465 | 0 | 0.04925214312748861 | 0.020075687138939927 | 0.03092121870889537 | 0.014888387306863234 | 0 | 0 | 0.022590977474494157
Librairie ,papeterie | 1.920163459739274e-05 | 0 | 0 | 0.0007045093164083674 | 0.004200002108394854 | 0 | 0 | 0 | 0.0014377379191280373
Appareils électro- ménagers électroni.équip. inform. | 0.0012266148795635717 | 0 | 0.004110841971168606 | 0.007351327002383923 | 0.016014696870109098 | 0.017073035790352686 | 0 | 0 | 0.008843090921825739
Matériaux de construction | 0 | 0 | 0.0017913861476811018 | 0.005242214747242929 | 0.02039875893010636 | 2.455252369659816e-06 | 0 | 0 | 0.007705342494431247
Autres | 0.013207872477365169 | 0.3362470060844579 | 0.0053042564206590105 | 0.07680144802161348 | 0.020991952035981244 | 0.009150550206552874 | 0 | 0 | 0.03530369162252632
S-Total | 0.02450658828971844 | 0.3396635243738953 | 0.08010779094225953 | 0.15470238555032842 | 0.1976361024955858 | 0.09587269453047652 | - | 0 | 0.12711799205419844
[Secteur d'activitéjuin 20 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2020
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3877255 | 843479.9241299999 | 4902119.735789999 | 15042175.824 | 18828058.9 | 3576082.427 | 0 | 125005.3153 | 0 | 47194177.12622
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3489784 | 18914.974520000003 | 1059308.97982 | 1877923.695 | 3960235.0199999996 | 2940360.556 | 182892.34 | 142453.52453999998 | 0 | 13671873.089879999
Industries Manufacturières ( 200 à 290 ) | 1640734 | 1259.78496 | 3376363.6800300004 | 7204277.139 | 8030485.149999999 | 2010168.876 | 11232.94 | 241532.7238 | 0 | 22516054.293789998
Prêts aux Particuliers ( 1560 ) | 3061686 | 28433.47317 | 1053090.42628 | 3802331.174 | 1880150.82 | 289388.281 | 88821.39 | 0 | 0 | 10203901.564450001
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5652912 | 302513.27362 | 3459929.49726 | 7236089.2190000005 | 6842794.57 | 1293851.019 | 5242570.29 | 0 | 0 | 30030659.868880004
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 4544588 | 139495.27721 | 426799.82866999996 | 374410.735 | 1694698.96 | 120135.27100000001 | 0 | 0 | 0 | 7300128.07188
Bâtiments et Travaux Publics ( 600 ) | 897211 | 103289.35152 | 2047046.00544 | 4420702.358 | 789700.97 | 947760.96 | 0 | 0 | 0 | 9205710.64496
Électricité, Gaz et Eau ( 300 à 500 ) | 1729544 | 0 | 725713.27764 | 2500309.833 | 117134.32 | 226375.602 | 0 | 126020.19311 | 0 | 5425097.225750001
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 126493.83055 | 9395.856 | 744343.57 | 0 | 0 | 0 | 0 | 880233.2565499999
Total | 24893714 | 1437386.05913 | 17176865.261480004 | 42467615.833 | 42887602.279999994 | 11404122.991999997 | 5525516.96 | 635011.75675 | 0 | 146427835.14236
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.15575237186383678 | 0.5868151557282594 | 0.2853908242957027 | 0.354203444882613 | 0.43900936165835014 | 0.31357803046394933 | 0 | 0.196855119564682 | #DIV/0! | 0.32230331808386636
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.14018735814189878 | 0.013159286191664182 | 0.06167068109892871 | 0.04422013475832415 | 0.09233985602983447 | 0.25783311509904494 | 0.03309958892968451 | 0.22433210570632478 | #DIV/0! | 0.09336935888308351
Industries Manufacturières ( 200 à 290 ) | 0.0659095705847669 | 0.0008764416156662214 | 0.19656460178456822 | 0.16964166689578616 | 0.18724490815717387 | 0.1762668534362647 | 0.002032921097033426 | 0.38035945198269755 | #DIV/0! | 0.15376894886070977
Prêts aux Particuliers ( 1560 ) | 0.12299032599153345 | 0.019781375357995193 | 0.06130865034155033 | 0.08953483965175532 | 0.043839028531487315 | 0.02537575938132254 | 0.016074765608899696 | 0 | #DIV/0! | 0.06968553181524242
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.22708190509459536 | 0.21046069822264787 | 0.20142962319318347 | 0.1703907572173408 | 0.15955180999220928 | 0.11345467072808998 | 0.9487927243643823 | 0 | #DIV/0! | 0.2050884644964095
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.1825596614470625 | 0.09704788516902109 | 0.02484736429918446 | 0.008816382263424814 | 0.039514891714762475 | 0.010534371742945513 | 0 | 0 | #DIV/0! | 0.04985478385842878
Bâtiments et Travaux Publics ( 600 ) | 0.03604166899322456 | 0.07185915771474607 | 0.11917459759264719 | 0.10409584506424864 | 0.01841326929037172 | 0.08310686938968083 | 0 | 0 | #DIV/0! | 0.06286858394109308
Électricité, Gaz et Eau ( 300 à 500 ) | 0.06947713788308164 | 0 | 0.04224945975837914 | 0.05887568171550386 | 0.0027311930201941803 | 0.01985032975870242 | 0 | 0.19845332274629576 | #DIV/0! | 0.03704963076504966
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007364197635855528 | 0.00022124755100329488 | 0.017355681605616683 | 0 | 0 | 0 | #DIV/0! | 0.006011379296116889
Total | 1 | 1 | 0.9999999999999997 | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1 | #DIV/0! | 0.9999999999999999
[Secteur d' activitémars 20 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2020
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 1064.94922 | 9395.856 | 1108208.79 | 0 | 0 | 0 | 0 | 1118669.59522
200 | Industrie alimentaire | 1243884 | 1209.3326299999999 | 591255.1010599999 | 573744.954 | 1913350.97 | 391296.701 | 11885.69 | 182892.25616999998 | 0 | 4909519.004860001
210 | Industrie des boissons | 237 | 0 | 1382915.18714 | 709677.07 | 3467603.26 | 429391.277 | 0 | 0 | 0 | 5989823.794139999
220 | Industrie du bois | 54956 | 0 | 2110.51323 | 6797.559 | 0 | 567.7 | 0 | 0 | 0 | 64431.772229999995
230 | Industrie chimique | 368 | 0 | 86521.49491 | 572130.459 | 3275.34 | 55801.101 | 0 | 175720.01083 | 0 | 893816.4057400001
240 | Industrie du textile | 1089 | 0 | 379969.48713 | 1489898.06 | 96966.11 | 194716.222 | 0 | 0 | 0 | 2162638.8791300002
250 | Industrie pharmacie | 0 | 0 | 104023.18229000001 | 0 | 63006.65 | 41726.361 | 0 | 0 | 0 | 208756.19329000002
260 | Imprimerie, édition | 7883 | 0 | 8332.8557 | 58010.366 | 70014.31 | 37996.96 | 0 | 0 | 0 | 182237.49169999998
270 | Sidérurgie, aciérie | 13931 | 0 | 76828.00676999999 | 260651.093 | 0 | 203752.009 | 0 | 0 | 0 | 555162.1087699999
280 | Industrie de la fabrication | 35859 | 1774.11606 | 371723.85717000003 | 1840066.652 | 597992.65 | 311674.467 | 0 | 0 | 0 | 3159090.74223
290 | Autres industries | 0 | 0 | 65068.74748 | 106219.112 | 700002.75 | 138408.013 | 0 | 0 | 0 | 1009698.62248
300 | Production et distribution de l'électricité | 1468147 | 0 | 334973.96181 | 1831110.861 | 0 | 5689.781 | 0 | 0 | 0 | 3639921.60381
400 | Production et distribution de gaz | 0 | 0 | 0 | 530272.329 | 58704.91 | 190455.47 | 0 | 0 | 0 | 779432.709
500 | Traitement et distribution de l'eau | 0 | 0 | 280873.98708 | 74228.006 | 25812.81 | 0 | 0 | 0 | 0 | 380914.80308
600 | Entrep/ batiment et corps/ métiers corresp. | 898859 | 110046.73563000001 | 1835427.10686 | 3845894.653 | 651571.69 | 882720.665 | 0 | 126020.19311 | 0 | 8350540.0435999995
700 | Commerce de gros(1) | 3050434 | 320720.70177 | 3513709.63175 | 7446698.863 | 9302432.83 | 2708220.159 | 0 | 102283.6032 | 0 | 26444499.78872
800 | Commerce de détail(2) | 368952 | 441584.78372 | 1033116.95574 | 6548283.915 | 7634890.93 | 1080846.076 | 0 | 207310.4448 | 0 | 17314985.10526
900 | Rest/débits/boissons, casinos/activités/loterie | 136647 | 34.29018 | 2870.8339100000003 | 3675.73 | 18805.96 | 22522.149 | 0 | 0 | 0 | 184555.96309
1000 | Hotels,motels et pensions | 1684564 | 0 | 142952.45309 | 855133.443 | 573791.14 | 333158.647 | 180466.42 | 0 | 0 | 3770066.10309
1100 | Transport | 1978085 | 134864.90372 | 362503.81329 | 286496.299 | 1380392.25 | 69683.819 | 0 | 0 | 0 | 4212026.08501
1200 | Immobilier résidentiel / Avance Hypothécaire | 2104796 | 250441.02992 | 1864722.5311500002 | 420442.784 | 2961199.14 | 616041.379 | 3606271.25 | 0 | 0 | 11823914.114070002
1300 | Immobilier commercial | 3411022 | 57262.897229999995 | 1475138.99907 | 6200878.609 | 3286048.67 | 123629.735 | 1168931.11 | 0 | 0 | 15722912.020299999
1400 | Télécommunications | 1960364 | 0 | 25543.57482 | 64120.655 | 1295546.03 | 32723.352 | 0 | 0 | 0 | 3378297.61182
1500 | Services financiers | 242946 | 0 | 524662.68235 | 597337.366 | 571633.43 | 1968742.352 | 0 | 123167.98354 | 0 | 4028489.81389
1510 | Services professionnels | 901840 | 8865.33452 | 224556.64953 | 123251.717 | 328527.61 | 525159.309 | 0 | 0 | 0 | 2112200.62005
1520 | Services médicaux | 1555 | 0 | 17600.029739999998 | 3240.235 | 2447.3 | 34034.738 | 0 | 0 | 0 | 58877.30274
1530 | Services d'agence ou de représentation | 0 | 775.39098 | 17313.649960000002 | 34373.616 | 32420.68 | 3596.484 | 0 | 0 | 0 | 88479.82094
1540 | Services d'enseignement | 181329 | 0 | 27794.951269999998 | 51290.09 | 3440 | 8012.816 | 0 | 0 | 0 | 271866.85727
1550 | Autres services | 60421 | 9682.29822 | 144180.50582 | 148532.267 | 540518.88 | 624683.811 | 0 | 0 | 0 | 1528018.76204
1560 | Crédit à la consommation | 3065196 | 25428.70611 | 1190233.29801 | 3976359.825 | 2061366.74 | 215571.595 | 89890.67 | 0 | 0 | 10624046.83412
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 22873364 | 1362690.5206899997 | 16087988.99735 | 38668212.44399999 | 38749971.830000006 | 11250823.148 | 5057445.14 | 917394.4916500001 | 0 | 134967890.57169
(1) Commerce de gros
Import-export | 523857 | 42953.67873 | 825024.15054 | 1672942.952 | 2569024.75 | 320665 | 0 | 5954467.53127
Produits pétroliers | 512730 | 0 | 574399.86403 | 1979765.106 | 478448.88 | 471926 | 0 | 4017269.85003
Produits pharmaceutiques | 0 | 0 | 22266.94109 | 60280.018 | 71755.66 | 22126 | 0 | 176428.61909
Produits alimentaires | 202094 | 10159.88879 | 827785.59405 | 2180680.339 | 2046832.46 | 985866 | 0 | 6253418.28184
Matériaux de construction | 0 | 157074.10927 | 1007386.5573 | 377900.272 | 3011101.13 | 873462 | 0 | 5426924.068569999
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1811753 | 110533.02498 | 256846.52474 | 1175130.176 | 1125269.95 | 34176 | 102283.6032 | 0 | 4615992.2789199995
S-Total | 3050434 | 320720.70177 | 3513709.6317499997 | 7446698.863000001 | 9302432.83 | 2708221 | 0 | 102283.6032 | 0 | 26444500.62972
(2) Commerce de détail
Produits pétroliers | 106138 | 4910.85576 | 83565.46961 | 53012.978 | 172398.55 | 38736 | 195945.6 | 654707.45337
Produits pharmaceutiques | 1395 | 958.92298 | 0 | 630.36 | 37456 | 0 | 40440.28298
Véhicules automobiles | 192126 | 259941.18104 | 1885721.25 | 3544711.23 | 620888 | 0 | 6503387.661040001
Produits alimentaires | 233 | 506254.67156 | 815034.498 | 1381394.1 | 133577 | 11364.8448 | 0 | 2847858.11436
Librairie ,papeterie | 523 | 0 | 28301.578 | 158223.71 | 7 | 0 | 187055.288
Appareils électro- ménagers électroni.équip. inform. | 0 | 51156.20723 | 381709.484 | 630528.96 | 202312 | 0 | 1265706.65123
Matériaux de construction | 26402 | 31141.77092 | 200112.039 | 784380.32 | 9 | 0 | 1042045.12992
Autres | 42136 | 436673.92796 | 100098.73239 | 3184392.088 | 962623.7 | 47862 | 0 | 4773786.44835
S-Total | 368953 | 441584.78372 | 1033116.95573 | 6548283.915000001 | 7634890.930000001 | 1080847 | 0 | 207310.4448 | 0 | 17314987.029250003
[Secteur d'activitémars 20% ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2020
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 6.619529763324785e-05 | 0.00024298656198828042 | 0.028598957306648444 | 0 | 0 | 0 | 0.00828841282531421
200 | Industrie alimentaire | 0.05438133192826381 | 0.0008874594866834863 | 0.036751336736828386 | 0.014837638404695017 | 0.049376835121172774 | 0.03477938421506152 | 0.0023501372078155655 | 0.19936053446435575 | 0.03637545925971366
210 | Industrie des boissons | 0 | 0 | 0.08595948116124351 | 0.01835298363035962 | 0.08948660079580759 | 0.03816532100376412 | 0 | 0 | 0.04437962072881642
220 | Industrie du bois | 0.0024026199207077717 | 0 | 0.00013118564603367406 | 0.00017579191202190557 | 0 | 5.045853023660025e-05 | 0 | 0 | 0.0004773859319952563
230 | Industrie chimique | 1.6088582335331173e-05 | 0 | 0.005378018030982725 | 0.014795885892800703 | 8.452496467272915e-05 | 0.004959734969251514 | 0 | 0.19154247428928303 | 0.006622437395694775
240 | Industrie du textile | 4.7609962399933825e-05 | 0 | 0.023618209037350055 | 0.03853030605326527 | 0.0025023530449363937 | 0.017306842302877518 | 0 | 0 | 0.01602335837042134
250 | Industrie pharmacie | 0 | 0 | 0.006465890939329622 | 0 | 0.0016259792465505901 | 0.00370873850305055 | 0 | 0 | 0.0015467100538191815
260 | Imprimerie, édition | 0.00034463666997123815 | 0 | 0.0005179550844653474 | 0.0015002081123871882 | 0.001806822216727273 | 0.0033772604457616524 | 0 | 0 | 0.0013502284945559116
270 | Sidérurgie, aciérie | 0.000609049023134507 | 0 | 0.00477548852020318 | 0.006740707069856918 | 0 | 0.01810996460612039 | 0 | 0 | 0.0041132902531000005
280 | Industrie de la fabrication | 0.001567718679246306 | 0.0013019214803825557 | 0.023105675745503686 | 0.047586028308518734 | 0.015432079605720838 | 0.02770237011995027 | 0 | 0 | 0.02340623928290564
290 | Autres industries | 0 | 0 | 0.004044554449329749 | 0.0027469361857321035 | 0.01806460022915583 | 0.012302034364890366 | 0 | 0 | 0.007481028400185933
300 | Production et distribution de l'électricité | 0.06418588013551482 | 0 | 0.020821369399567382 | 0.04735442228295006 | 0 | 0.0005057213081348134 | 0 | 0 | 0.026968796714479337
400 | Production et distribution de gaz | 0 | 0 | 0 | 0.013713391322858539 | 0.0015149665206866292 | 0.016928136501181808 | 0 | 0 | 0.005774949180123653
500 | Traitement et distribution de l'eau | 0 | 0 | 0.01745861382216667 | 0.0019196130699731296 | 0.0006661375165185506 | 0 | 0 | 0 | 0.0028222624023131783
600 | Entrep/ batiment et corps/ métiers corresp. | 0.0392971930145474 | 0.08075695395186117 | 0.11408679525839618 | 0.0994588166848854 | 0.016814765514114694 | 0.0784583184170766 | 0 | 0.13736750575354295 | 0.06187056794196912
700 | Commerce de gros(1) | 0.13336184393340655 | 0.2353584301794385 | 0.21840577043711154 | 0.19257934081603706 | 0.24006295722770332 | 0.24071306813505697 | 0 | 0.11149358768879848 | 0.19593178552845242
800 | Commerce de détail(2) | 0.016130202798329097 | 0.32405361086419177 | 0.0642166622509609 | 0.16934540029444972 | 0.19702958658899233 | 0.09606817757082389 | 0 | 0.2259774248558406 | 0.12828966231833427
900 | Rest/débits/boissons, casinos/activités/loterie | 0.005974066604282606 | 2.516358592018174e-05 | 0.00017844579023971744 | 9.50581826176542e-05 | 0.00048531544958286995 | 0.002001822329240296 | 0 | 0 | 0.0013674064424380305
1000 | Hotels,motels et pensions | 0.07364740927482288 | 0 | 0.008885663280447731 | 0.022114636000782808 | 0.014807524054914905 | 0.029611935288416998 | 0.03568331736763041 | 0 | 0.027933059390058995
1100 | Transport | 0.08647984616517274 | 0.09896957649027384 | 0.02253257466484539 | 0.007409090849878544 | 0.03562305170326106 | 0.006193664062027971 | 0 | 0 | 0.031207615879368922
1200 | Immobilier résidentiel | 0.09201952104640139 | 0.18378423135517882 | 0.115907745303478 | 0.010873085602518939 | 0.07641809787607269 | 0.05475522731947932 | 0.7130618622983225 | 0 | 0.08760538572535201
1300 | Immobilier commercial | 0.14912638123539676 | 0.04202193848167732 | 0.09169194479887968 | 0.16036113947548586 | 0.0848013176478224 | 0.010988505762974063 | 0.23113075429227498 | 0 | 0.11649372271954243
1400 | Télécommunications | 0.08570510223157381 | 0 | 0.0015877419374296885 | 0.0016582265108029159 | 0.033433470240538235 | 0.002908529586638917 | 0 | 0 | 0.025030380170501163
1500 | Services financiers | 0.010621349793585238 | 0 | 0.03261207366790355 | 0.01544776259996696 | 0.014751841175725571 | 0.1749865166398934 | 0 | 0.13425847294817905 | 0.029847764507738333
1510 | Services professionnels | 0.03942751927525833 | 0.00650575782644399 | 0.01395803102345413 | 0.003187416981803733 | 0.008478138034300604 | 0.04667741214058234 | 0 | 0 | 0.015649652751504452
1520 | Services médicaux | 6.798300416152168e-05 | 0 | 0.001093985689752713 | 8.379583112854176e-05 | 6.315617494475995e-05 | 0.003025088702603078 | 0 | 0 | 0.0004362319251683535
1530 | Services d'agence ou de représentation | 0 | 0.0005690147309510747 | 0.001076184845902859 | 0.0008889372905401433 | 0.0008366633179046622 | 0.00031966407725814513 | 0 | 0 | 0.0006555620048977706
1540 | Services d'enseignement | 0.007927517788813223 | 0 | 0.0017276833838323956 | 0.0013264148187423776 | 8.877425808440903e-05 | 0.0007121982004867258 | 0 | 0 | 0.002014307670649963
1550 | Autres services | 0.002641544112182187 | 0.007105280379507857 | 0.008961996794238813 | 0.0038411981731792523 | 0.013948884462969683 | 0.05552338729198199 | 0 | 0 | 0.011321350252772694
1560 | Crédit à la consommation | 0.13400722342371676 | 0.018660661187489692 | 0.0739827270024895 | 0.10283278107977287 | 0.05319659970447002 | 0.019160517605178163 | 0.017773928833956665 | 0 | 0.07871536547781263
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 0.9999896386032242 | 1.0000000000000004 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1
(1) Commerce de gros
Import-export | 0.02290249042510756 | 0.03152122809825547 | 0.051281993708219044 | 0.0432640364336155 | 0.06629746109934138 | 0.02850147013972066 | 0 | 0 | 0.044117660178642305
Produits pétroliers | 0.02241602940433248 | 0 | 0.03570364600103933 | 0.051198774933471046 | 0.012347076846894315 | 0.041945908649705495 | 0 | 0 | 0.029764633891912043
Produits pharmaceutiques | 0 | 0 | 0.0013840723718587693 | 0.0015589036624669066 | 0.0018517603139119492 | 0.0019666116611150555 | 0 | 0 | 0.0013071895718507031
Produits alimentaires | 0.008835342278468527 | 0.007455756560818763 | 0.051453639991073594 | 0.0563946508300093 | 0.052821521238251685 | 0.08762612184293841 | 0 | 0 | 0.04633263700982578
Matériaux de construction | 0 | 0.1152676318541244 | 0.06261730769867731 | 0.00977289220564002 | 0.07770589210258012 | 0.07763538618552286 | 0 | 0 | 0.0402090011600753
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.07920798182549799 | 0.08111381366623986 | 0.015965110666243464 | 0.03039008275083429 | 0.029039245626723848 | 0.0030376444061406553 | 0 | 0.11149358768879848 | 0.03420066994725796
S-Total | 0.13336184393340655 | 0.23535843017943853 | 0.2184057704371115 | 0.19257934081603706 | 0.2400629572277033 | 0.24071314288514314 | - | 0.11149358768879848 | 0.1959317917595641
(2) Commerce de détail
Produits pétroliers | 0.004640244434530924 | 0.003603793880883081 | 0.005194276899602855 | 0.0013709704858163372 | 0.004448998072987759 | 0.0034429480839262764 | 0 | 0.21358924844597413 | 0.004850838600179821
Produits pharmaceutiques | 6.0987968363551595e-05 | 0 | 5.960490028666436e-05 | 0 | 1.6267366664560488e-05 | 0.003329178630512769 | 0 | 0 | 0.0002996289177278029
Véhicules automobiles | 0.008399551548254992 | 0 | 0.016157468847275896 | 0.04876670347073674 | 0.09147648533916365 | 0.05518600655547341 | 0 | 0 | 0.04818470255031244
Produits alimentaires | 1.0186520880793923e-05 | 0 | 0.03146786535243092 | 0.021077635775906316 | 0.035648905915604635 | 0.011872642405168842 | 0 | 0.012388176409866499 | 0.021100263939053877
Librairie ,papeterie | 2.2865023264614683e-05 | 0 | 0 | 0.000731908102578749 | 0.004083195484480433 | 6.221766983551202e-07 | 0 | 0 | 0.001385924364733574
Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.0031797763684713117 | 0.009871402370947418 | 0.01627172692579477 | 0.017981973171088725 | 0 | 0 | 0.009377835319710379
Matériaux de construction | 0.001154268344612537 | 0 | 0.0019357155779463576 | 0.005175104468296948 | 0.02024208748953818 | 7.99941469313726e-07 | 0 | 0 | 0.007720689161741798
Autres | 0.0018421426773954194 | 0.32044981698330866 | 0.006221954304325306 | 0.0823516756201672 | 0.02484191999475835 | 0.004254088733810395 | 0 | 0 | 0.03536979372004292
S-Total | 0.016130246517302833 | 0.3240536108641917 | 0.06421666225033931 | 0.16934540029444972 | 0.19702958658899233 | 0.09606825969814808 | - | 0.22597742485584063 | 0.12828967657350263
[Secteur d'activité mars 20 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2020
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3419386 | 762305.48549 | 4546826.58749 | 13994982.778 | 16937323.759999998 | 3789066.235 | 0 | 309594.048 | 0 | 43759484.89398
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3209302 | 19357.3139 | 1101931.7556699999 | 1816834.464 | 2071585 | 3519910.306 | 180466.42 | 123167.98354 | 0 | 12042555.24311
Industries Manufacturières ( 200 à 290 ) | 1358207 | 2983.44869 | 3068748.4328799997 | 5617195.324999999 | 6912212.04 | 1805330.811 | 11885.69 | 358612.267 | 0 | 19135175.01457
Prêts aux Particuliers ( 1560 ) | 3065196 | 25428.70611 | 1190233.29801 | 3976359.825 | 2061366.74 | 215571.595 | 89890.67 | 0 | 0 | 10624046.83412
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5515818 | 307703.92715 | 3339861.53022 | 6621321.393 | 6247247.8100000005 | 739671.114 | 4775202.36 | 0 | 0 | 27546826.13437
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 3938449 | 134864.90372 | 388047.38811 | 350616.954 | 2675938.2800000003 | 102407.171 | 0 | 0 | 0 | 7590323.69683
Bâtiments et Travaux Publics ( 600 ) | 898859 | 110046.73563000001 | 1835427.10686 | 3845894.653 | 651571.69 | 882720.665 | 0 | 126020.19311 | 0 | 8350540.0435999995
Électricité, Gaz et Eau ( 300 à 500 ) | 1468147 | 0 | 615847.94889 | 2435611.196 | 84517.72 | 196145.251 | 0 | 0 | 0 | 4800269.11589
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1064.94922 | 9395.856 | 1108208.79 | 0 | 0 | 0 | 0 | 1118669.59522
Total | 22873364 | 1362690.52069 | 16087988.99735 | 38668212.444 | 38749971.82999999 | 11250823.148 | 5057445.140000001 | 917394.49165 | 0 | 134967890.57169
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.14949204673173566 | 0.5594120410436302 | 0.2826224326880724 | 0.3619247411104867 | 0.43709254381669577 | 0.33678124570588086 | 0 | 0.3374710125446392 | #DIV/0! | 0.32422144784678664
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.140307389853106 | 0.0142052165228231 | 0.0684940644757719 | 0.04698521987876146 | 0.053460296928427485 | 0.312858024670463 | 0.035683317367630404 | 0.13425847294817905 | #DIV/0! | 0.0892253349452286
Industries Manufacturières ( 200 à 290 ) | 0.05937941616283464 | 0.0021893809670660417 | 0.1907477953512699 | 0.1452664855696374 | 0.1783797952247441 | 0.1604621090609645 | 0.002350137207815565 | 0.3909030087536388 | #DIV/0! | 0.14177575817120813
Prêts aux Particuliers ( 1560 ) | 0.13400722342371676 | 0.018660661187489692 | 0.0739827270024895 | 0.10283278107977285 | 0.05319659970447004 | 0.019160517605178163 | 0.017773928833956662 | 0 | #DIV/0! | 0.07871536547781263
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24114590228179816 | 0.2258061698368561 | 0.20759969010235768 | 0.17123422507800476 | 0.16121941552389515 | 0.06574373308245339 | 0.9441926165905973 | 0 | #DIV/0! | 0.20409910844489443
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.17218494839674653 | 0.09896957649027381 | 0.02412031660227508 | 0.009067317360681459 | 0.06905652194379933 | 0.009102193648666887 | 0 | 0 | #DIV/0! | 0.056237996049870086
Bâtiments et Travaux Publics ( 600 ) | 0.0392971930145474 | 0.08075695395186115 | 0.11408679525839618 | 0.09945881668488539 | 0.0168147655141147 | 0.0784583184170766 | 0 | 0.13736750575354295 | #DIV/0! | 0.06187056794196912
Électricité, Gaz et Eau ( 300 à 500 ) | 0.06418588013551482 | 0 | 0.03827998322173405 | 0.06298742667578172 | 0.0021811040372051805 | 0.017433857809316618 | 0 | 0 | #DIV/0! | 0.03556600829691617
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 6.619529763324785e-05 | 0.00024298656198828037 | 0.028598957306648454 | 0 | 0 | 0 | #DIV/0! | 0.00828841282531421
Total | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 0.9999999999999999 | 1 | #DIV/0! | 1
[Secteur d' activitédec 19 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2019
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 1354.88921 | 10826.24 | 834687.99 | 0 | 0 | 0 | 0 | 846869.11921
200 | Industrie alimentaire | 1234243.83326 | 1209.3326200000001 | 532436.20767 | 481002.287 | 2152123.9 | 501018.534 | 12084.56 | 176783.88416999998 | 0 | 5090902.538720001
210 | Industrie des boissons | 21.3744 | 0 | 1152266.4556 | 740915.121 | 3170160.76 | 419860.716 | 0 | 0 | 0 | 5483224.427
220 | Industrie du bois | 51309.55207 | 0 | 418.17833 | 6405.661 | 0 | 717.218 | 0 | 0 | 0 | 58850.6094
230 | Industrie chimique | 349.59389 | 0 | 77904.08155 | 519645.421 | 1585.54 | 37346.352 | 0 | 169851.18283 | 0 | 806682.17127
240 | Industrie du textile | 1320.4393799999998 | 0 | 386671.10436 | 1453026.759 | 61335.95 | 121773.474 | 0 | 0 | 0 | 2024127.72674
250 | Industrie pharmacie | 0 | 0 | 118136.23861 | 0 | 32228.46 | 43132.398 | 0 | 0 | 0 | 193497.09661
260 | Imprimerie, édition | 4900.8755 | 23.28764 | 9537.19261 | 100848.575 | 87750.21 | 51853.561 | 0 | 0 | 0 | 254913.70175
270 | Sidérurgie, aciérie | 24716.560940000003 | 0 | 83378.22409999999 | 315176.006 | 0 | 293675.148 | 0 | 0 | 0 | 716945.93904
280 | Industrie de la fabrication | 37169.08606 | 2323.28297 | 371064.52044 | 1873804.318 | 558592.08 | 319377.121 | 0 | 0 | 0 | 3162330.4084699997
290 | Autres industries | 0 | 840.0571199999999 | 39555.813740000005 | 111340.902 | 690842.56 | 166509.055 | 0 | 0 | 0 | 1009088.3878600001
300 | Production et distribution de l'électricité | 1356574.7821300002 | 0 | 334960.41272 | 2008166.366 | 0 | 5566.606 | 0 | 126020.19311 | 0 | 3831288.35996
400 | Production et distribution de gaz | 0 | 0 | 0 | 513504.298 | 60993.18 | 182462.074 | 0 | 0 | 0 | 756959.552
500 | Traitement et distribution de l'eau | 0 | 0 | 315123.88811 | 76111.31 | 28547.77 | 8988.873 | 0 | 0 | 0 | 428771.84111000004
600 | Entrep/ batiment et corps/ métiers corresp. | 917600.96954 | 105319.83307000001 | 1721068.22112 | 3105727.908 | 1046101.14 | 1210973.647 | 0 | 0 | 0 | 8106791.71873
700 | Commerce de gros(1) | 2779023.9667399996 | 311191.60852999997 | 3043943.03972 | 5973976.675 | 8800895.47 | 2600553.176 | 0 | 96031.5048 | 0 | 23605615.440789998
800 | Commerce de détail(2) | 334098.04858 | 429984.45061 | 1282746.3488599998 | 6459160.714 | 7547692.58 | 1162834.138 | 0 | 194638.5672 | 0 | 17411154.84725
900 | Rest/débits/boissons, casinos/activités/loterie | 129173.32322 | 34.29018 | 8330.80946 | 3974.507 | 20229.67 | 19428.878 | 0 | 0 | 0 | 181171.47786
1000 | Hotels,motels et pensions | 1599585.59072 | 0 | 147037.25407 | 828314.93 | 636982.95 | 329963.616 | 180985.89 | 0 | 0 | 3722870.2307900004
1100 | Transport | 2255489.34463 | 133223.39257999999 | 347356.05415 | 269344.989 | 1372416.18 | 65743.307 | 0 | 0 | 0 | 4443573.26736
1200 | Immobilier résidentiel / Avance Hypothécaire | 2070437.02245 | 251390.32571 | 1900725.0343499999 | 377596.598 | 2807317.74 | 548681.592 | 3436947.14 | 0 | 0 | 11393095.452510001
1300 | Immobilier commercial | 3418020.74521 | 58108.47088 | 1405070.4039200002 | 5913945.004 | 3330367.88 | 128430.182 | 1081134.07 | 0 | 0 | 15335076.75601
1400 | Télécommunications | 1840100.71515 | 0 | 28049.91773 | 62800.061 | 1421109.92 | 31642.205 | 0 | 0 | 0 | 3383702.81888
1500 | Services financiers | 152503.65112 | 0 | 499581.47417 | 1054270.823 | 779128.37 | 2036183.535 | 0 | 115639.3247 | 0 | 4637307.17799
1510 | Services professionnels | 846014.84866 | 24221.35504 | 198471.65184 | 115015.685 | 333482.75 | 331492.018 | 0 | 0 | 0 | 1848698.30854
1520 | Services médicaux | 1735.75035 | 0 | 15205.089119999999 | 3482.538 | 3246.19 | 36965.801 | 0 | 0 | 0 | 60635.36847
1530 | Services d'agence ou de représentation | 1547.75827 | 941.2188100000001 | 15853.94866 | 31404.003 | 35846.56 | 3705.383 | 0 | 0 | 0 | 89298.87174
1540 | Services d'enseignement | 181188.41395 | 0 | 29261.78364 | 60510.543 | 5922.73 | 8142.778 | 0 | 0 | 0 | 285026.24859
1550 | Autres services | 136784.22222999998 | 14784.18872 | 179659.43476 | 207296.649 | 543764.82 | 644101.612 | 0 | 0 | 0 | 1726390.92671
1560 | Crédit à la consommation | 3037951.41421 | 25157.30616 | 1277568.84131 | 4096490.852 | 2113848.89 | 209369.264 | 120496.38 | 0 | 0 | 10880882.947680002
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 22411861.882659994 | 1358752.40064 | 15522736.513929999 | 36774085.74299999 | 38477202.23999999 | 11520492.262 | 4831648.04 | 878964.6568099998 | 0 | 131775743.73904
(1) Commerce de gros
Import-export | 504335 | 45175.29072 | 750056.60526 | 1832870.92 | 2614814.39 | 299758 | 0 | 0 | 0 | 6047010.20598
Produits pétroliers | 0 | 0 | 293103.2139 | 469576.47 | 340801.49 | 317675 | 0 | 0 | 0 | 1421156.1738999998
Produits pharmaceutiques | 0 | 0 | 21023.26026 | 75389.758 | 113628.76 | 20801 | 0 | 0 | 0 | 230842.77826
Produits alimentaires | 434608 | 10873.28613 | 738206.85184 | 2109016.426 | 3177523.28 | 1033613 | 0 | 0 | 0 | 7503840.84397
Matériaux de construction | 0 | 148083.45181 | 936942.35047 | 389853.841 | 1304946.19 | 893898 | 0 | 0 | 0 | 3673723.83328
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1840081 | 107059.57987 | 304610.75799 | 1097269.259 | 1249181.39 | 34807 | 0 | 96031.5048 | 0 | 4729040.49166
S-Total | 2779024 | 311191.60853 | 3043943.03972 | 5973976.673999999 | 8800895.5 | 2600552 | 0 | 96031.5048 | 0 | 23605614.32705
(2) Commerce de détail
Produits pétroliers | 108168 | 4910.85576 | 349009.77841 | 64625.448 | 186737.81 | 41980 | 0 | 183968.4 | 939400.2921700001
Produits pharmaceutiques | 1684 | 0 | 1027.42775 | 1089.892 | 762.28 | 59965 | 0 | 0 | 0 | 64528.59975
Véhicules automobiles | 152120 | 0 | 266954.61787 | 1926279.88 | 4097126.14 | 621380 | 0 | 0 | 0 | 7063860.637870001
Produits alimentaires | 0 | 0 | 489033.84125 | 763428.564 | 920174.09 | 151549 | 0 | 10670.1672 | 0 | 2334855.66245
Librairie ,papeterie | 761 | 0 | 0 | 26137.783 | 114130.45 | 0 | 0 | 0 | 0 | 141029.233
Appareils électro- ménagers électroni.équip. inform. | 0 | 33.06631 | 47830.24295 | 306212.212 | 400532.95 | 232677 | 0 | 0 | 0 | 987285.47126
Matériaux de construction | 24788 | 0 | 31500 | 182737.385 | 749338.05 | 31 | 0 | 0 | 0 | 988394.435
Autres | 46578 | 425040.52854 | 97390.44063 | 3188649.549 | 1078890.8 | 55253 | 0 | 0 | 0 | 4891802.31817
S-Total | 334099 | 429984.45061000006 | 1282746.3488600003 | 6459160.7129999995 | 7547692.57 | 1162835 | 0 | 194638.5672 | 0 | 17411156.649670005
[Secteur d'activitédec 19 %]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2019
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 8.728417239989429e-05 | 0.0002943986174302319 | 0.02169305306538837 | 0 | 0 | 0 | #DIV/0! | 0.006426593356111758
200 | Industrie alimentaire | 0.05507100836699925 | 0.0008900316344835012 | 0.034300408770850124 | 0.013079925096208804 | 0.05593244245192814 | 0.043489333841453516 | 0.002501125889128298 | 0.20112740916295366 | #DIV/0! | 0.03863307763833751
210 | Industrie des boissons | 0 | 0 | 0.07423088413347503 | 0.02014775095098141 | 0.08239062549886686 | 0.036444685387698066 | 0 | 0 | #DIV/0! | 0.041610271142605855
220 | Industrie du bois | 0.002289392659058732 | 0 | 2.693972996479903e-05 | 0.00017418953783832213 | 0 | 6.225584668510409e-05 | 0 | 0 | #DIV/0! | 0.0004465966780391987
230 | Industrie chimique | 1.5598609871430628e-05 | 0 | 0.005018707975883595 | 0.01413075024166754 | 4.120725800462982e-05 | 0.003241732310622336 | 0 | 0.19324005978401432 | #DIV/0! | 0.006121628672933164
240 | Industrie du textile | 5.891698721477579e-05 | 0 | 0.024909983108519815 | 0.039512246997917166 | 0.0015940854955466745 | 0.010570162388083552 | 0 | 0 | #DIV/0! | 0.01536039690846632
250 | Industrie pharmacie | 0 | 0 | 0.007610529142460502 | 0 | 0.0008375988409702006 | 0.00374397178688891 | 0 | 0 | #DIV/0! | 0.0014683817455296547
260 | Imprimerie, édition | 0.00021867328674695234 | 1.713898719813194e-05 | 0.0006144015007560934 | 0.0027423815701304467 | 0.002280576676356603 | 0.004500984838211942 | 0 | 0 | #DIV/0! | 0.0019344508671854989
270 | Sidérurgie, aciérie | 0.001102833895256295 | 0 | 0.005371361165937265 | 0.008570600726898948 | 0 | 0.025491545093839323 | 0 | 0 | #DIV/0! | 0.005440651812671932
280 | Industrie de la fabrication | 0.0016584559665146624 | 0.0017098648502153055 | 0.023904581521886247 | 0.050954477321212034 | 0.014517481715947135 | 0.027722523806856404 | 0 | 0 | #DIV/0! | 0.02399781870882452
290 | Autres industries | 0 | 0.0006182562176922859 | 0.0025482500269525857 | 0.003027700070590985 | 0.01795459440348333 | 0.014453293419520374 | 0 | 0 | #DIV/0! | 0.007657618611952836
300 | Production et distribution de l'électricité | 0.0605293210011962 | 0 | 0.021578696025627234 | 0.05460819284629687 | 0 | 0.0004831916790883393 | 0 | 0.14337344753697073 | #DIV/0! | 0.02907430647894677
400 | Production et distribution de gaz | 0 | 0 | 0 | 0.013963754302110594 | 0.0015851771035627154 | 0.015838044924681362 | 0 | 0 | #DIV/0! | 0.0057443011173515576
500 | Traitement et distribution de l'eau | 0 | 0 | 0.020300794761748998 | 0.0020696995849716782 | 0.0007419398588788874 | 0.0007802507736279229 | 0 | 0 | #DIV/0! | 0.00325379943944093
600 | Entrep/ batiment et corps/ métiers corresp. | 0.04094264788638313 | 0.07751215969914182 | 0.11087402144431975 | 0.08445425209765223 | 0.027187557283270925 | 0.10511474852462342 | 0 | 0 | #DIV/0! | 0.061519605116281156
700 | Commerce de gros(1) | 0.12399790705876712 | 0.22902745811777217 | 0.19609577454261276 | 0.16245071914907241 | 0.22873012998982548 | 0.22573281738818116 | 0 | 0.10925525168272894 | #DIV/0! | 0.17913475402223494
800 | Commerce de détail(2) | 0.014907197372945212 | 0.31645533829965533 | 0.08263661163795906 | 0.1756443588874133 | 0.19616011925507407 | 0.1009361502577085 | 0 | 0.22144072084353872 | #DIV/0! | 0.13212716053213786
900 | Rest/débits/boissons, casinos/activités/loterie | 0.005763614102938101 | 2.5236518429589253e-05 | 0.0005366843309183268 | 0.00010807901596184629 | 0.0005257573010069249 | 0.0016864624842538695 | 0 | 0 | #DIV/0! | 0.0013748469385897002
1000 | Hotels,motels et pensions | 0.07137227594453434 | 0 | 0.009472379688855104 | 0.022524419391110793 | 0.016554814615336238 | 0.0286414511199643 | 0.03745841760444124 | 0 | #DIV/0! | 0.028251559241149322
1100 | Transport | 0.10063819581072232 | 0.09804832176726906 | 0.022377243460796042 | 0.0073243150321220495 | 0.03566829447316906 | 0.005706640437305994 | 0 | 0 | #DIV/0! | 0.03372072235205714
1200 | Immobilier résidentiel | 0.09238130385105989 | 0.1850155522018508 | 0.12244780632875538 | 0.010268007766090449 | 0.07296054745585372 | 0.04762657528184015 | 0.7113405429258047 | 0 | #DIV/0! | 0.08645821400235947
1300 | Immobilier commercial | 0.15250945071433422 | 0.04276604836365311 | 0.09051692674542916 | 0.1608182741871626 | 0.08655431492204047 | 0.011147976933557182 | 0.22376093230499464 | 0 | #DIV/0! | 0.11637253048921184
1400 | Télécommunications | 0.08210387538456507 | 0 | 0.0018070214426965372 | 0.001707725963301592 | 0.03693381631896946 | 0.00274660181877565 | 0 | 0 | #DIV/0! | 0.025677736454903736
1500 | Services financiers | 0.006804595348590459 | 0 | 0.032183853260775185 | 0.02866885203803285 | 0.020249091010833335 | 0.1767444904864257 | 0 | 0.13156311098979376 | #DIV/0! | 0.035190901196303755
1510 | Services professionnels | 0.0377485303581386 | 0.017826172765980947 | 0.012785867470074808 | 0.003127628673185802 | 0.008667021783962225 | 0.02877411923563514 | 0 | 0 | #DIV/0! | 0.0140291244510146
1520 | Services médicaux | 7.74478425348028e-05 | 0 | 0.000979536636878108 | 9.470087235718448e-05 | 8.436658101470117e-05 | 0.003208699781165653 | 0 | 0 | #DIV/0! | 0.000460140589986563
1530 | Services d'agence ou de représentation | 6.905978084745815e-05 | 0.0006927081119096216 | 0.0010213372265755315 | 0.0008539710060902821 | 0.0009316311455393388 | 0.0003216340860904091 | 0 | 0 | #DIV/0! | 0.0006776578845712426
1540 | Services d'enseignement | 0.008084487353109428 | 0 | 0.0018850918208745393 | 0.0016454669579791872 | 0.00015392829143494403 | 0.0007068081653818484 | 0 | 0 | #DIV/0! | 0.002162964446282672
1550 | Autres services | 0.006103206549556225 | 0.010880708444773565 | 0.0115739537676733 | 0.005637030664710931 | 0.014132129893652064 | 0.055909209203199584 | 0 | 0 | #DIV/0! | 0.01310097653577908
1560 | Crédit à la consommation | 0.13555105015886504 | 0.018515004019974794 | 0.08230306815834428 | 0.11139613043350163 | 0.05493769731008386 | 0.01817363869863428 | 0.024938981275631163 | 0 | #DIV/0! | 0.0825712125687394
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Total | 0.9999990462907496 | 1 | 1 | 1.0000000000000002 | 1.0000000000000004 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 1
(1) Commerce de gros
Import-export | 0.022503038910399623 | 0.03324762532064085 | 0.04831986966904349 | 0.04984137288440651 | 0.06795749788901494 | 0.026019547878934204 | 0 | 0 | #DIV/0! | 0.04588864410399459
Produits pétroliers | 0 | 0 | 0.01888218701882694 | 0.012769222144139494 | 0.008857231559463823 | 0.027574776561227466 | 0 | 0 | #DIV/0! | 0.01078465682359846
Produits pharmaceutiques | 0 | 0 | 0.0013543527097257542 | 0.002050078376573932 | 0.0029531450673374125 | 0.00180556520736631 | 0 | 0 | #DIV/0! | 0.001751785053227594
Produits alimentaires | 0.019391873922632693 | 0.008002404356289242 | 0.04755648922968822 | 0.057350614798124644 | 0.08258197309098327 | 0.08971951688291495 | 0 | 0 | #DIV/0! | 0.05694402195012545
Matériaux de construction | 0 | 0.10898486857520892 | 0.06035935414024417 | 0.010601319737070807 | 0.03391478886277778 | 0.07759199691045285 | 0 | 0 | #DIV/0! | 0.027878604430836684
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Autres | 0.0821029957097704 | 0.07879255986563319 | 0.019623521775084207 | 0.029838111181563966 | 0.03246549429993069 | 0.0030213118683139824 | 0 | 0.10925525168272894 | #DIV/0! | 0.035887033208669115
S-Total | 0.12399790854280271 | 0.2290274581177722 | 0.1960957745426128 | 0.16245071912187936 | 0.22873013076950788 | 0.22573271530920974 | - | 0.10925525168272894 | #DIV/0! | 0.1791347455704519
(2) Commerce de détail
Produits pétroliers | 0.004826372773771613 | 0.0036142388839106284 | 0.022483779074443544 | 0.0017573638254841334 | 0.004853206551641423 | 0.003643941512679087 | 0 | 0.2093012484343466 | #DIV/0! | 0.007128780043391951
Produits pharmaceutiques | 7.513878181191661e-05 | 0 | 6.618857113744045e-05 | 2.9637500918903546e-05 | 1.9811211720782332e-05 | 0.005205072720528859 | 0 | 0 | #DIV/0! | 0.0004896849596067405
Véhicules automobiles | 0.006787477131370995 | 0 | 0.01719765182063335 | 0.05238144854129162 | 0.1064819140031113 | 0.05393693132797835 | 0 | 0 | #DIV/0! | 0.05360516615150968
Produits alimentaires | 0 | 0 | 0.031504357547468796 | 0.020759960406230356 | 0.02391478684599913 | 0.013154733022987208 | 0 | 0.012139472409192104 | #DIV/0! | 0.017718402463155848
Librairie ,papeterie | 3.395523334849676e-05 | 0 | 0 | 0.000710766358208521 | 0.002966183697247943 | 0 | 0 | 0 | #DIV/0! | 0.0010702214914399195
Appareils électro- ménagers électroni.équip. inform. | 0 | 2.50928653952296e-07 | 0.0030813022502235647 | 0.008326847719342364 | 0.010409617297580318 | 0.020196793219286135 | 0 | 0 | #DIV/0! | 0.00749216390851988
Matériaux de construction | 0.0011060214510414425 | 0 | 0.0020292813687671704 | 0.00496918907181219 | 0.01947485800360521 | 2.690857238995991e-06 | 0 | 0 | #DIV/0! | 0.007500579446224574
Autres | 0.002078274453227703 | 0.31281676362801447 | 0.006274051005285213 | 0.08670914543693217 | 0.028039741384273797 | 0.004796062420201468 | 0 | 0 | #DIV/0! | 0.03712217574622385
S-Total | 0.014907239824572168 | 0.31643125344057904 | 0.08263661163795907 | 0.17564435886022028 | 0.19616011899517988 | 0.10093622508090011 | - | 0.22144072084353872 | #DIV/0! | 0.13212717421007245
[Secteur d'activité dec 19 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2019
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3113122.01532 | 741176.05914 | 4326689.38858 | 12433137.388999999 | 16348588.05 | 3763387.3140000002 | 0 | 290670.072 | 0 | 41016770.288040005
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3048533.55852 | 39981.052749999995 | 1093401.44572 | 2304269.6780000003 | 2358604.04 | 3409983.6210000003 | 180985.89 | 115639.3247 | 0 | 12551398.61069
Industries Manufacturières ( 200 à 290 ) | 1354031.3155 | 4395.96035 | 2771368.0170099996 | 5602165.05 | 6754619.460000001 | 1955263.577 | 12084.56 | 346635.067 | 0 | 18800563.00686
Prêts aux Particuliers ( 1560 ) | 3037951.41421 | 25157.30616 | 1277568.84131 | 4096490.852 | 2113848.89 | 209369.264 | 120496.38 | 0 | 0 | 10880882.947680002
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5488457.767659999 | 309498.79659 | 3305795.43827 | 6291541.602 | 6137685.62 | 677111.774 | 4518081.21 | 0 | 0 | 26728172.20852
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 4095590.0597800002 | 133223.39257999999 | 375405.97187999997 | 332145.05 | 2793526.0999999996 | 97385.512 | 0 | 0 | 0 | 7827276.08624
Bâtiments et Travaux Publics ( 600 ) | 917600.96954 | 105319.83307000001 | 1721068.22112 | 3105727.908 | 1046101.14 | 1210973.647 | 0 | 0 | 0 | 8106791.71873
Électricité, Gaz et Eau ( 300 à 500 ) | 1356574.7821300002 | 0 | 650084.3008300001 | 2597781.974 | 89540.95 | 197017.55299999999 | 0 | 126020.19311 | 0 | 5017019.753070001
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1354.88921 | 10826.24 | 834687.99 | 0 | 0 | 0 | 0 | 846869.11921
Total | 22411861.88266 | 1358752.40064 | 15522736.51393 | 36774085.743 | 38477202.24000001 | 11520492.262 | 4831648.04 | 878964.65681 | 0 | 131775743.73903999
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.1389051044317123 | 0.5454827964174276 | 0.27873238618057183 | 0.33809507803648564 | 0.42489024924489927 | 0.32666896764588965 | 0 | 0.3306959725262676 | #DIV/0! | 0.3112619145543729
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13602321728024935 | 0.02942482584109372 | 0.0704387042026249 | 0.06266014861942887 | 0.061298740622779735 | 0.29599287456211654 | 0.03745841760444124 | 0.13156311098979376 | #DIV/0! | 0.09524817128367694
Industries Manufacturières ( 200 à 290 ) | 0.060415833480912645 | 0.0032352916895892246 | 0.17853604707668602 | 0.1523400225134456 | 0.1755486123411035 | 0.16972048871985954 | 0.002501125889128298 | 0.39436746894696795 | #DIV/0! | 0.1426708927865465
Prêts aux Particuliers ( 1560 ) | 0.13555105015886498 | 0.018515004019974794 | 0.08230306815834426 | 0.1113961304335016 | 0.054937697310083834 | 0.01817363869863428 | 0.024938981275631163 | 0 | #DIV/0! | 0.08257121256873941
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.244890754565394 | 0.2277816005655039 | 0.2129647330741845 | 0.171086281953253 | 0.1595148623778941 | 0.05877455221539734 | 0.9351014752307993 | 0 | #DIV/0! | 0.20283074449157132
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.18274207119528732 | 0.09804832176726906 | 0.024184264903492573 | 0.00903204099542364 | 0.07260211079213848 | 0.008453242256081643 | 0 | 0 | #DIV/0! | 0.05939845880696088
Bâtiments et Travaux Publics ( 600 ) | 0.04094264788638312 | 0.07751215969914182 | 0.11087402144431974 | 0.0844542520976522 | 0.027187557283270908 | 0.10511474852462342 | 0 | 0 | #DIV/0! | 0.06151960511628116
Électricité, Gaz et Eau ( 300 à 500 ) | 0.06052932100119618 | 0 | 0.04187949078737623 | 0.07064164673337912 | 0.0023271169624416014 | 0.017101487377397622 | 0 | 0.1433734475369707 | #DIV/0! | 0.03807240703573927
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 8.728417239989427e-05 | 0.0002943986174302318 | 0.021693053065388358 | 0 | 0 | 0 | #DIV/0! | 0.0064265933561117585
Total | 0.9999999999999998 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 | #DIV/0! | 1.0000000000000002
[Secteur d' activitésept 19 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2019
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 1111.12204 | 11838.652 | 1288195.5799999998 | 0 | 0 | 0 | 0 | 1301145.35404
200 | Industrie alimentaire | 711875 | 1209.3326299999999 | 683079.81274 | 548419.683 | 2475484.64 | 553838.089 | 12502.61 | 178142.52417 | 0 | 5164551.69154
210 | Industrie des boissons | 51 | 0 | 850973.3767799999 | 1154645.153 | 3343244.75 | 434112.622 | 0 | 0 | 0 | 5783026.90178
220 | Industrie du bois | 53065 | 0 | 760.76756 | 6790.715 | 0 | 793.77 | 0 | 0 | 0 | 61410.25256
230 | Industrie chimique | 393 | 0 | 75927.22153 | 554452.088 | 4903.48 | 35941.294 | 0 | 171156.54283000002 | 0 | 842773.62636
240 | Industrie du textile | 1544 | 0 | 408234.02288 | 1182492.522 | 58858.4 | 196987.209 | 0 | 0 | 0 | 1848116.15388
250 | Industrie pharmacie | 0 | 0 | 34090.45022 | 0 | 39890.25 | 45174.548 | 0 | 0 | 0 | 119155.24822000001
260 | Imprimerie, édition | 7870 | 433.2793 | 8745.028869999998 | 30729.467 | 58248.55 | 53497.161 | 0 | 0 | 0 | 159523.48617
270 | Sidérurgie, aciérie | 21789 | 0 | 102823.58576999999 | 255383.277 | 0 | 267663.695 | 0 | 0 | 0 | 647659.5577700001
280 | Industrie de la fabrication | 38916 | 2264.6706400000003 | 377027.19513999997 | 1851683.24 | 670843.61 | 328916.55 | 0 | 0 | 0 | 3269651.2657799996
290 | Autres industries | 0 | 0 | 45622.31095000001 | 13873.944 | 394419.15 | 176984.174 | 0 | 0 | 0 | 630899.57895
300 | Production et distribution de l'électricité | 1406570 | 0 | 343924.10704000003 | 2243811.306 | 0 | 5544.425 | 0 | 126020.19311 | 0 | 4125870.0311499997
400 | Production et distribution de gaz | 0 | 0 | 0 | 544390.466 | 95985.36 | 187872.152 | 0 | 0 | 0 | 828247.978
500 | Traitement et distribution de l'eau | 0 | 0 | 487088.35713 | 42511.256 | 32317.51 | 5144.318 | 0 | 0 | 0 | 567061.44113
600 | Entrep/ batiment et corps/ métiers corresp. | 943213 | 121131.30109000001 | 1761266.9228 | 4136589.034 | 1503887.35 | 1231958.092 | 0 | 0 | 0 | 9698045.69989
700 | Commerce de gros(1) | 2813693 | 317555.24951999995 | 3833285.03477 | 6421470.165 | 8973313.4 | 2559228.717 | 0 | 67187.664 | 0 | 24985733.23029
800 | Commerce de détail(2) | 264299 | 421513.88793 | 1122517.53299 | 6621322.865 | 8414104.71 | 1376473.322 | 0 | 194097.696 | 0 | 18414329.01392
900 | Rest/débits/boissons, casinos/activités/loterie | 130936 | 1943.55173 | 9888.26619 | 4723.91 | 29157.33 | 22527.092 | 0 | 0 | 0 | 199176.14992
1000 | Hotels,motels et pensions | 1564415 | 0 | 152203.06456 | 841343.043 | 643045.92 | 333613.388 | 185067.85 | 0 | 0 | 3719688.2655599997
1100 | Transport | 2270654 | 0 | 318946.04108 | 310153.511 | 1464982.42 | 74229.614 | 0 | 0 | 0 | 4438965.58608
1200 | Immobilier résidentiel / Avance Hypothécaire | 2073695 | 137610.68807 | 1885923.91039 | 414735.715 | 2908558.09 | 561371.501 | 3426750.89 | 0 | 0 | 11408645.79446
1300 | Immobilier commercial | 3424841 | 255104.86381 | 1430176.8571400002 | 5708184.131 | 3782420.89 | 134907.27 | 1050091.56 | 0 | 0 | 15785726.571950002
1400 | Télécommunications | 1867331 | 59016.05629 | 32026.391789999998 | 63429.8 | 1508246.32 | 36344.954 | 0 | 0 | 0 | 3566394.52208
1500 | Services financiers | 263674 | 0 | 405864.32709 | 725263.219 | 798686.14 | 2005081.036 | 0 | 122789.05442 | 0 | 4321357.77651
1510 | Services professionnels | 870888 | 25127.51767 | 231182.70182 | 124469.149 | 426142.98 | 353769.066 | 0 | 0 | 0 | 2031579.4144899999
1520 | Services médicaux | 1908 | 0 | 13844.2611 | 4027.87 | 3618.89 | 39493.89 | 0 | 0 | 0 | 62892.9111
1530 | Services d'agence ou de représentation | 1917 | 941.2188100000001 | 16614.603470000002 | 37025.732 | 22877.01 | 5728.635 | 0 | 0 | 0 | 85104.19928
1540 | Services d'enseignement | 115799 | 0 | 28794.69745 | 49865.33 | 3129.81 | 5999.145 | 0 | 0 | 0 | 203587.98244999998
1550 | Autres services | 157092 | 25710.743469999998 | 122062.56188 | 243080.906 | 450098.94 | 732622.664 | 0 | 0 | 0 | 1730667.8153499998
1560 | Crédit à la consommation | 3272517 | 25896.155039999998 | 1387908.76986 | 4265561.638 | 2349998.29 | 238334.762 | 181151.5 | 0 | 0 | 11721368.114899999
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 22278945 | 1395458.516 | 16171913.303030001 | 38412267.787 | 41744659.769999996 | 12004153.155000001 | 4855564.41 | 859393.67453 | 0 | 137722355.61556
(1) Commerce de gros
Import-export | 501036 | 46550.6757 | 895359.6263 | 1893911.279 | 2606105.41 | 375707 | 0 | 6318669.991
Produits pétroliers | 0 | 747943.77053 | 410030.404 | 134.55 | 145869 | 0 | 1303977.72453
Produits pharmaceutiques | 0 | 20727.61053 | 76964.916 | 107792.92 | 21945 | 0 | 227430.44653000002
Produits alimentaires | 434961 | 11304.00828 | 819555.66176 | 2219204.942 | 3465507.17 | 1041119 | 0 | 7991651.78204
Matériaux de construction | 150083.17725 | 980770.04851 | 504228.353 | 1363343.76 | 944954 | 0 | 3943379.3387599997
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1877695 | 109617.38829 | 368928.31732 | 1317130.27 | 1430429.6 | 29633 | 67187.664 | 0 | 5200621.2396100005
S-Total | 2813692 | 317555.24952 | 3833285.03495 | 6421470.164000001 | 8973313.41 | 2559227 | 0 | 67187.664 | 0 | 24985730.52247
(2) Commerce de détail
Produits pétroliers | 32270 | 4910.8557599999995 | 97699.07176 | 59875.712 | 148040.22 | 30361 | 186632.4 | 559789.25952
Produits pharmaceutiques | 1960 | 1008.03962 | 1632.897 | 924.71 | 58221 | 0 | 63746.64662
Véhicules automobiles | 155331 | 294765.38274000003 | 2209532.797 | 4854818.49 | 706245 | 0 | 8220692.66974
Produits alimentaires | 63 | 605190.56901 | 652044.605 | 958019.86 | 183702 | 7465.296 | 0 | 2406485.33001
Librairie ,papeterie | 761 | 0 | 23328.179 | 120152.44 | 163 | 0 | 144404.619
Appareils électro- ménagers électroni.équip. inform. | 0 | 54657.149560000005 | 311544.733 | 552171.66 | 339460 | 0 | 1257833.54256
Matériaux de construction | 30667 | 0 | 198817.687 | 678348.78 | 172 | 0 | 908005.4670000001
Autres | 43247 | 416603.032 | 69197.32020999999 | 3164546.256 | 1101628.55 | 58150 | 0 | 4853372.15821
S-Total | 264299 | 421513.88776 | 1122517.5329 | 6621322.866 | 8414104.71 | 1376474 | 0 | 194097.696 | 0 | 18414329.692660004
[Secteur d'activité sept 19 %]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2019
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 6.870690061093872e-05 | 0.00030819976747133366 | 0.030858931108734725 | 0 | 0 | 0 | #DIV/0! | 0.009447597292570527
200 | Industrie alimentaire | 0.031952814641806424 | 0.0008666202657650339 | 0.042238651663561465 | 0.014277201388916787 | 0.059300630395340274 | 0.04613720616929266 | 0.0025749035424699473 | 0.20728861457751088 | #DIV/0! | 0.03749973392813871
210 | Industrie des boissons | 0 | 0 | 0.052620451324121305 | 0.030059281045384426 | 0.08008796259019074 | 0.03616353576921686 | 0 | 0 | #DIV/0! | 0.04199047333987532
220 | Industrie du bois | 0.002381845280375709 | 0 | 4.704252030942196e-05 | 0.0001767850582958345 | 0 | 6.61246145188823e-05 | 0 | 0 | #DIV/0! | 0.00044589894128315224
230 | Industrie chimique | 1.763997352657408e-05 | 0 | 0.0046950054769199214 | 0.014434245097802978 | 0.00011746364749447328 | 0.002994071596381594 | 0 | 0.19915964929996147 | #DIV/0! | 0.006119366914638967
240 | Industrie du textile | 6.930310209931394e-05 | 0 | 0.025243396698367934 | 0.03078424134073634 | 0.0014099623837945106 | 0.016409921337762205 | 0 | 0 | #DIV/0! | 0.013419144231302985
250 | Industrie pharmacie | 0 | 0 | 0.0021080035232202703 | 0 | 0.0009555773174289307 | 0.0037632432222995905 | 0 | 0 | #DIV/0! | 0.000865184506084194
260 | Imprimerie, édition | 0.0003532483248196896 | 8.92335603885028e-05 | 0.0005407541276121925 | 0.0007999909604503976 | 0.0013953533295260106 | 0.004456554353250418 | 0 | 0 | #DIV/0! | 0.0011582976885415462
270 | Sidérurgie, aciérie | 0.0009780086085763935 | 0 | 0.006358158360318118 | 0.006648482157214115 | 0 | 0.02229759080410533 | 0 | 0 | #DIV/0! | 0.004702646530225532
280 | Industrie de la fabrication | 0.0017467613479902212 | 0.0016228863947109985 | 0.023313703708104806 | 0.04820551731722207 | 0.016070165949276825 | 0.027400229383361275 | 0 | 0 | #DIV/0! | 0.023740889786309984
290 | Autres industries | 0 | 0 | 0.0028210830775015423 | 0.0003611852358452892 | 0.009448373808126022 | 0.014743578469446808 | 0 | 0 | #DIV/0! | 0.004580952570337247
300 | Production et distribution de l'électricité | 0.06313449761647151 | 0 | 0.021266754316297362 | 0.0584139243858802 | 0 | 0.00046187556326625356 | 0 | 0.1466384927477155 | #DIV/0! | 0.029957881657695487
400 | Production et distribution de gaz | 0 | 0 | 0 | 0.014172307373745844 | 0.0022993446474075794 | 0.01565059605406209 | 0 | 0 | #DIV/0! | 0.006013896395382478
500 | Traitement et distribution de l'eau | 0 | 0 | 0.030119401953431088 | 0.0011067103935578425 | 0.0007741711198045297 | 0.000428544848901505 | 0 | 0 | #DIV/0! | 0.004117424789864202
600 | Entrep/ batiment et corps/ métiers corresp. | 0.04233651997435246 | 0.08680394271928324 | 0.10890900104380387 | 0.1076892688798749 | 0.03602586194943134 | 0.10262765528669231 | 0 | 0 | #DIV/0! | 0.07041736729337722
700 | Commerce de gros(1) | 0.12629381687508093 | 0.22756337496169607 | 0.23703348904620877 | 0.16717237838202412 | 0.2149571573810913 | 0.21319527366526672 | 0 | 0.07818031013172717 | #DIV/0! | 0.18142104176634552
800 | Commerce de détail(2) | 0.011863173951908406 | 0.30206121005893094 | 0.06941154778387805 | 0.17237521360925423 | 0.20156122379147617 | 0.11466642454712998 | 0 | 0.22585422926943405 | #DIV/0! | 0.13370617233212306
900 | Rest/débits/boissons, casinos/activités/loterie | 0.005877118508080163 | 0.0013927692638051878 | 0.000611446895906084 | 0.00012297920097283945 | 0.0006984685025736887 | 0.0018766081796129832 | 0 | 0 | #DIV/0! | 0.001446215097249592
1000 | Hotels,motels et pensions | 0.07021943812869057 | 0 | 0.009411568174279227 | 0.021902977654569476 | 0.015404267840317341 | 0.027791497133726792 | 0.038114590678450085 | 0 | #DIV/0! | 0.027008601827456298
1100 | Transport | 0.10191927849366296 | 0 | 0.01972222056250089 | 0.008074334811988538 | 0.035093888130160705 | 0.0061836610247747205 | 0 | 0 | #DIV/0! | 0.032231263880433375
1200 | Immobilier résidentiel | 0.09307868931854718 | 0.09861324180703913 | 0.11661724095668072 | 0.010796959900929371 | 0.06967497414100975 | 0.046764773303994055 | 0.7057368826047558 | 0 | #DIV/0! | 0.08283800943912291
1300 | Immobilier commercial | 0.15372545692805473 | 0.18281078289682384 | 0.08843584740662934 | 0.1486031536240576 | 0.09060849725066523 | 0.011238382937809158 | 0.21626560196325353 | 0 | #DIV/0! | 0.11461992863391393
1400 | Télécommunications | 0.08381595268537177 | 0.012154314371457385 | 0.001980371226946874 | 0.0016512901646870944 | 0.03613028177280555 | 0.0030276982916417976 | 0 | 0 | #DIV/0! | 0.02589553820902745
1500 | Services financiers | 0.011835120558895405 | 0 | 0.0250968651318429 | 0.01888103100347159 | 0.019132654198177935 | 0.167032277088604 | 0 | 0.14287870397365096 | #DIV/0! | 0.03137731530364392
1510 | Services professionnels | 0.03909018133488817 | 0.018006638951924243 | 0.0142953216164401 | 0.003240348882554769 | 0.010208323228597726 | 0.029470555851134502 | 0 | 0 | #DIV/0! | 0.014751268270207181
1520 | Services médicaux | 8.564139819008486e-05 | 0 | 0.0008560682239995754 | 0.00010485894824890204 | 8.66910886311914e-05 | 0.0032900188368181474 | 0 | 0 | #DIV/0! | 0.0004566645031512538
1530 | Services d'agence ou de représentation | 8.604536704947204e-05 | 0.000674487130364827 | 0.0010273740131223098 | 0.0009639038289879555 | 0.0005480224327146313 | 0.00047722108557186264 | 0 | 0 | #DIV/0! | 0.0006179403401838478
1540 | Services d'enseignement | 0.005197687772019725 | 0 | 0.0017805374608708155 | 0.001298161573706307 | 7.497509902450452e-05 | 0.0004997557863964123 | 0 | 0 | #DIV/0! | 0.0014782493484086067
1550 | Autres services | 0.007051141784316987 | 0.018424584590087518 | 0.007547812036385955 | 0.00632821023085408 | 0.010782192081092629 | 0.06103076614736843 | 0 | 0 | #DIV/0! | 0.01256635357139119
1560 | Crédit à la consommation | 0.1468883288683553 | 0.01855745243809168 | 0.08582217477012807 | 0.11104685778129479 | 0.056294584815105804 | 0.019854358647592576 | 0.0373080212110707 | 0 | #DIV/0! | 0.08510868161171437
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Total | 0.9999977108431302 | 0.9696415394103686 | 1 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | #DIV/0! | 1.0000000000000004
(1) Commerce de gros
Import-export | 0.022489215714657944 | 0.03335869548701081 | 0.055365101798575914 | 0.04930485462357844 | 0.06242967182769784 | 0.031298084516983155 | 0 | 0 | #DIV/0! | 0.04587976993828089
Produits pétroliers | 0 | 0 | 0.04624955356332907 | 0.010674464894227569 | 3.223166765313896e-06 | 0.012151544396052816 | 0 | 0 | #DIV/0! | 0.009468163093070676
Produits pharmaceutiques | 0 | 0 | 0.0012817042820849427 | 0.0020036545727208405 | 0.0025821966353038986 | 0.001828117295459481 | 0 | 0 | #DIV/0! | 0.0016513691296774823
Produits alimentaires | 0.019523411005323635 | 0.00810056920387879 | 0.05067771799187462 | 0.05777333830706692 | 0.08301677841175037 | 0.08672989977359215 | 0 | 0 | #DIV/0! | 0.058027266134976684
Matériaux de construction | 0 | 0.10755115650460512 | 0.06064650670160599 | 0.013126753041398086 | 0.03265911777725815 | 0.07871892234283977 | 0 | 0 | #DIV/0! | 0.028632819422342737
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Autres | 0.08428114526967054 | 0.07855295376620139 | 0.022812904719868667 | 0.0342893129169989 | 0.034266169801867336 | 0.002468562306509492 | 0 | 0.07818031013172717 | #DIV/0! | 0.03776163438655583
S-Total | 0.1262937719896521 | 0.2275633749616961 | 0.2370334890573392 | 0.16717237835599078 | 0.2149571576206429 | 0.21319513063143686 | - | 0.07818031013172717 | #DIV/0! | 0.18142102210490432
(2) Commerce de détail
Produits pétroliers | 0.0014484527880471898 | 0.0035191700102104643 | 0.0060412809498363385 | 0.0015587653489249065 | 0.0035463271425771646 | 0.0025292079839346233 | 0 | 0.2171675281436866 | #DIV/0! | 0.004064621586074254
Produits pharmaceutiques | 8.797544048876642e-05 | 0 | 6.233273708010367e-05 | 4.250977862214704e-05 | 2.2151575916413323e-05 | 0.004850071408473294 | 0 | 0 | #DIV/0! | 0.0004628634642145044
Véhicules automobiles | 0.006972098544163559 | 0 | 0.018226994989193532 | 0.057521539973950195 | 0.11629795324116977 | 0.058833387985043575 | 0 | 0 | #DIV/0! | 0.059690328654320654
Produits alimentaires | 2.827782015710349e-06 | 0 | 0.037422323362110176 | 0.016974905220791824 | 0.022949518939150287 | 0.015303203618614609 | 0 | 0.008686701125747464 | #DIV/0! | 0.01747345461275361
Librairie ,papeterie | 3.415781133262818e-05 | 0 | 0 | 0.000607310641729282 | 0.0028782709132617757 | 0 | 0 | 0 | #DIV/0! | 0.0010485198162242663
Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.003379757764949144 | 0.008110552980822371 | 0.01322736041070386 | 0.02827854623452611 | 0 | 0 | #DIV/0! | 0.009133110865973954
Matériaux de construction | 0.0013765014456474487 | 0 | 0 | 0.0051758903718589246 | 0.016249953496746395 | 1.4328374336706802e-05 | 0 | 0 | #DIV/0! | 0.00659301435080459
Autres | 0.0019411601402131026 | 0.29854203992689665 | 0.00427885797514355 | 0.08238373931858792 | 0.02638968807195048 | 0.004844156788834306 | 0 | 0 | #DIV/0! | 0.03524026391007838
S-Total | 0.011863173951908404 | 0.3020612099371071 | 0.06941154777831283 | 0.17237521363528757 | 0.20156122379147617 | 0.11465290239376322 | - | 0.22585422926943405 | #DIV/0! | 0.1337061772604442
[Secteur d'activité sept 19 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2019
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3077992 | 739069.13745 | 4955802.56776 | 13042793.030000001 | 17387418.11 | 3935702.039 | 0 | 261285.36 | 0 | 43400062.24421
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3106629 | 53723.03168 | 980454.4835599998 | 2029799.1590000002 | 2376757.02 | 3498834.9159999997 | 185067.85 | 122789.05442 | 0 | 12354054.514659999
Industries Manufacturières ( 200 à 290 ) | 835503 | 3907.2825700000003 | 2587283.77244 | 5598470.089000001 | 7045892.830000002 | 2093909.1120000002 | 12502.61 | 349299.06700000004 | 0 | 18526767.763010003
Prêts aux Particuliers ( 1560 ) | 3272517 | 25896.155039999998 | 1387908.76986 | 4265561.638 | 2349998.29 | 238334.762 | 181151.5 | 0 | 0 | 11721368.114899999
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5498536 | 392715.55188000004 | 3316100.7675300003 | 6122919.846 | 6690978.98 | 696278.7710000001 | 4476842.45 | 0 | 0 | 27194372.366410002
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 4137985 | 59016.05629 | 350972.43287 | 373583.311 | 2973228.74 | 110574.568 | 0 | 0 | 0 | 8005360.108159999
Bâtiments et Travaux Publics ( 600 ) | 943213 | 121131.30109000001 | 1761266.9228 | 4136589.034 | 1503887.35 | 1231958.092 | 0 | 0 | 0 | 9698045.69989
Électricité, Gaz et Eau ( 300 à 500 ) | 1406570 | 0 | 831012.46417 | 2830713.028 | 128302.87 | 198560.895 | 0 | 126020.19311 | 0 | 5521179.45028
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1111.12204 | 11838.652 | 1288195.5799999998 | 0 | 0 | 0 | 0 | 1301145.35404
Total | 22278945 | 1395458.516 | 16171913.30303 | 38412267.787 | 41744659.77 | 12004153.155 | 4855564.41 | 859393.6745300001 | 0 | 137722355.61556
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.13815699082698935 | 0.529624585020627 | 0.3064450368300869 | 0.3395475919912784 | 0.41651838117256734 | 0.32786169821239675 | 0 | 0.30403453940116115 | #DIV/0! | 0.31512721409846856
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13944237485213057 | 0.03849847993618178 | 0.06062699355284697 | 0.052842471323365926 | 0.05693559447112964 | 0.29146870010923315 | 0.038114590678450085 | 0.14287870397365093 | #DIV/0! | 0.08970260826169188
Industries Manufacturières ( 200 à 290 ) | 0.037501910436064184 | 0.0027999990864651402 | 0.159986250480037 | 0.14574692960186825 | 0.1687854894211778 | 0.17443205571963566 | 0.0025749035424699473 | 0.40644826387747235 | #DIV/0! | 0.13452258843673764
Prêts aux Particuliers ( 1560 ) | 0.1468883288683553 | 0.01855745243809168 | 0.08582217477012809 | 0.11104685778129479 | 0.0562945848151058 | 0.01985435864759258 | 0.0373080212110707 | 0 | #DIV/0! | 0.08510868161171437
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24680414624660188 | 0.281424024703863 | 0.2050530883633101 | 0.15940011352498695 | 0.16028347139167498 | 0.05800315624180322 | 0.9220024845680093 | 0 | #DIV/0! | 0.19745793807303683
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.18573523117903473 | 0.04229151609548814 | 0.02170259178944777 | 0.009725624976675631 | 0.07122416990296625 | 0.00921135931641652 | 0 | 0 | #DIV/0! | 0.058126802089460826
Bâtiments et Travaux Publics ( 600 ) | 0.04233651997435246 | 0.08680394271928324 | 0.10890900104380388 | 0.1076892688798749 | 0.03602586194943133 | 0.10262765528669232 | 0 | 0 | #DIV/0! | 0.07041736729337722
Électricité, Gaz et Eau ( 300 à 500 ) | 0.06313449761647151 | 0 | 0.05138615626972846 | 0.0736929421531839 | 0.0030735157672121083 | 0.01654101646622985 | 0 | 0.1466384927477155 | #DIV/0! | 0.04008920284294217
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 6.870690061093873e-05 | 0.00030819976747133366 | 0.03085893110873472 | 0 | 0 | 0 | #DIV/0! | 0.009447597292570527
Total | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | #DIV/0! | 1
[Secteur d' activité juin 19 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2019
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 132928.89106999998 | 14719.406 | 950609.98 | 0 | 0 | 0 | 0 | 1098258.2770699998
200 | Industrie alimentaire | 1028133.443582464 | 1209.3326299999999 | 717573.5675700001 | 449070.618 | 2337244.59 | 600071.853 | 13124.73 | 177846.11216999998 | 0 | 5324274.246952464
210 | Industrie des boissons | 112.95727000000001 | 0 | 669321.09518 | 1293778.82 | 2012404.17 | 440037.061 | 0 | 0 | 0 | 4415654.10345
220 | Industrie du bois | 52294.515928128 | 0 | 153.56659 | 1372.087 | 0 | 943.204 | 0 | 0 | 0 | 54763.373518128
230 | Industrie chimique | 0 | 0 | 72596.33784000001 | 391553.32 | 13063.24 | 23238.905 | 0 | 170871.75483000002 | 0 | 671323.55767
240 | Industrie du textile | 7098.49261 | 0 | 415820.12357 | 1161791.434 | 123068.5 | 121573.69 | 0 | 0 | 0 | 1829352.2401799997
250 | Industrie pharmacie | 0 | 0 | 16228.457980000001 | 0 | 19593.31 | 63660.14 | 0 | 0 | 0 | 99481.90798
260 | Imprimerie, édition | 97984.410306064 | 0 | 7744.31192 | 133845.491 | 131494.61 | 77675.588 | 0 | 0 | 0 | 448744.41122606397
270 | Sidérurgie, aciérie | 21367.237100000002 | 0 | 109462.60547 | 276197.892 | 0 | 328038.816 | 0 | 0 | 0 | 735066.55057
280 | Industrie de la fabrication | 40596.918880000005 | 2438.73056 | 380026.62731 | 1459836.656 | 802775.5 | 291545.609 | 0 | 0 | 0 | 2977220.04175
290 | Autres industries | 0 | 0 | 47112.48365 | 1353.79 | 1963003.51 | 121568.788 | 0 | 0 | 0 | 2133038.5716500003
300 | Production et distribution de l'électricité | 1284192.171060048 | 0 | 363381.89041000005 | 2790333.834 | 0 | 5461.607 | 0 | 55815.36 | 0 | 4499184.862470048
400 | Production et distribution de gaz | 0 | 0 | 4.41965 | 573896.145 | 84472.47 | 191911.698 | 0 | 0 | 0 | 850284.73265
500 | Traitement et distribution de l'eau | 0 | 0 | 477765.12544 | 46682.032 | 51883.37 | 8823.588 | 0 | 0 | 0 | 585154.11544
600 | Entrep/ batiment et corps/ métiers corresp. | 965585.74211 | 133817.75555 | 1564904.1750999999 | 3093652.696 | 1923533.05 | 1261283.856 | 0 | 0 | 0 | 8942777.274759999
700 | Commerce de gros(1) | 2790374.5146318716 | 320375.87580000004 | 3206367.5566100003 | 5692375.329 | 7540497.99 | 2326418.183 | 0 | 80190 | 0 | 21956599.449041873
800 | Commerce de détail(2) | 285660.9283142239 | 441852.75201 | 1132191.92213 | 6536042.906 | 7636465.83 | 1382924.112 | 0 | 194961.2 | 0 | 17610099.650454223
900 | Rest/débits/boissons, casinos/activités/loterie | 130842.34307999999 | 34.29018 | 10740.01753 | 2954.185 | 22219.08 | 21814.921 | 0 | 0 | 0 | 188604.83679
1000 | Hotels,motels et pensions | 1426934.6976499998 | 0 | 156184.42784 | 858092.57 | 38257.32 | 335101.712 | 168310.15 | 0 | 0 | 2982880.8774899994
1100 | Transport | 2278121.38308 | 146743.20629 | 318642.00467 | 318060.748 | 1478475.41 | 77524.593 | 0 | 0 | 0 | 4617567.345040001
1200 | Immobilier résidentiel / Avance Hypothécaire | 2085529.9400100005 | 257709.35161 | 1874958.14502 | 427160.685 | 2769893.14 | 461379.767 | 3440071.98 | 0 | 0 | 11316703.008639999
1300 | Immobilier commercial | 3440790.9073317274 | 60059.12648 | 1449671.8254200001 | 5186527.35 | 4849050.19 | 186852.203 | 919960.3 | 0 | 0 | 16092911.902231729
1400 | Télécommunications | 3569.68165 | 0 | 30318.54148 | 38513.403 | 1500004.52 | 34986.508 | 0 | 0 | 0 | 1607392.65413
1500 | Services financiers | 258271.943396464 | 0 | 369340.56861 | 1507067.808 | 1813906.89 | 1958035.092 | 0 | 160026.11051 | 0 | 6066648.412516464
1510 | Services professionnels | 888792.1279190399 | 25906.20001 | 557606.3703099999 | 136197.814 | 343273.76 | 401386.156 | 0 | 0 | 0 | 2353162.42823904
1520 | Services médicaux | 2077.17025 | 0 | 8967.43273 | 4495.739 | 4584.51 | 38099.967 | 0 | 0 | 0 | 58224.81898
1530 | Services d'agence ou de représentation | 1625.0115600000001 | 941.2188100000001 | 14153.83679 | 32401.215 | 30820.31 | 3420.404 | 0 | 0 | 0 | 83361.99616
1540 | Services d'enseignement | 110728.17501999998 | 0 | 23569.8477 | 85128.237 | 4599.82 | 7215.278 | 0 | 0 | 0 | 231241.35771999997
1550 | Autres services | 188932.48433284805 | 25322.85698 | 178220.80933000002 | 346233.874 | 567401.24 | 584996.412 | 0 | 0 | 0 | 1891107.6766428482
1560 | Crédit à la consommation | 3166004.6182699846 | 25833.84163 | 1383887.28343 | 4095735.906 | 2521070.3 | 246128.142 | 302953.74 | 0 | 0 | 11741613.831329985
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 20555621.815342862 | 1442244.5385399999 | 15689844.268349998 | 36955071.989999995 | 41533666.61 | 11602117.853 | 4844420.9 | 839710.5375099999 | 0 | 133462698.51274285
(1) Commerce de gros
Import-export | 508908 | 47438.8891 | 1140637.59801 | 1549272.247 | 2180752.72 | 241434 | 0 | 5668443.45411
Produits pétroliers | 0 | 361695.25393 | 179731.343 | 351.73 | 135257 | 0 | 677035.32693
Produits pharmaceutiques | 0 | 19382.305170000003 | 83347.608 | 107613.61 | 21463 | 0 | 231806.52317
Produits alimentaires | 417929 | 11234.01665 | 662081.46881 | 2027839.647 | 2643078.59 | 1026626 | 0 | 6788788.72246
Matériaux de construction | 149646.90081 | 638621.04038 | 349173.299 | 1370981.93 | 865325 | 0 | 3373748.17019
Appareils électroménagers électron.,équipe.inform. | 112056.06924 | 0 | 0 | 0 | 0 | 0 | 112056.06924
Autres | 2790375 | 0 | 383949.89032 | 1503011.183 | 1237719.41 | 36313 | 30190 | 0 | 5981558.483320001
S-Total | 3717212 | 320375.8758 | 3206367.55662 | 5692375.327 | 7540497.99 | 2326418 | 0 | 30190 | 0 | 22833436.749420002
(2) Commerce de détail
Produits pétroliers | 34467 | 4910.85576 | 57805.35254 | 44069.575 | 121151.52 | 33315 | 186051.2 | 481770.50330000004
Produits pharmaceutiques | 2230 | 1162.62956 | 1785.127 | 1000.7 | 63039 | 0 | 69217.45656
Véhicules automobiles | 168373 | 325406.21855 | 2244150.71 | 5286612.56 | 751518 | 0 | 8776060.48855
Produits alimentaires | 286 | 612286.46949 | 450868.908 | 497833.82 | 89199 | 8910 | 0 | 1659384.1974900002
Librairie ,papeterie | 761 | 0 | 27480.784 | 155154.49 | 0 | 0 | 183396.27399999998
Appareils électro- ménagers électroni.équip. inform. | 31803 | 55364.38193 | 393914.663 | 301381.12 | 324149 | 0 | 1106612.16493
Matériaux de construction | 0 | 0 | 204216.712 | 269215.15 | 6 | 0 | 473437.862
Autres | 47740 | 436941.89625 | 80166.87006 | 3169556.426 | 1004116.47 | 121698 | 0 | 4860219.66231
S-Total | 285660 | 441852.75201 | 1132191.92213 | 6536042.904999999 | 7636465.83 | 1382924 | 0 | 194961.2 | 0 | 17610098.60914
[Secteur d'activité juin 19 %]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2019
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.008472288749108105 | 0.0003983054343388387 | 0.02288769708020729 | 0 | 0 | 0 | #DIV/0! | 0.008228953028138716
200 | Industrie alimentaire | 0.050017141433058375 | 0.0008385073388623962 | 0.045734906943436654 | 0.01215179930163627 | 0.0562734952333167 | 0.05172088928960822 | 0.0027092464240669094 | 0.21179454612701232 | #DIV/0! | 0.03989335077354298
210 | Industrie des boissons | 0 | 0 | 0.04265951170274988 | 0.03500950614708843 | 0.04845236007926823 | 0.03792730487444739 | 0 | 0 | #DIV/0! | 0.0330853051276226
220 | Industrie du bois | 0.002544049331025102 | 0 | 9.78764271802104e-06 | 3.712851649622778e-05 | 0 | 8.129584718501307e-05 | 0 | 0 | #DIV/0! | 0.0004103271860106984
230 | Industrie chimique | 0 | 0 | 0.004626963569450043 | 0.01059538782946909 | 0.0003145217137380012 | 0.0020029881866775756 | 0 | 0.20348887765144325 | #DIV/0! | 0.005030046336174619
240 | Industrie du textile | 0.00034533095976214327 | 0 | 0.02650250164743854 | 0.03143794265410657 | 0.0029631022263362844 | 0.010478577406327955 | 0 | 0 | #DIV/0! | 0.013706842889928047
250 | Industrie pharmacie | 0 | 0 | 0.0010343288118376363 | 0 | 0.0004717452514843115 | 0.005486941333175579 | 0 | 0 | #DIV/0! | 0.0007453911024472625
260 | Imprimerie, édition | 0.004766793784507542 | 0 | 0.000493587558139251 | 0.003621843600689466 | 0.003165976441105737 | 0.0066949490587974985 | 0 | 0 | #DIV/0! | 0.0033623208299150224
270 | Sidérurgie, aciérie | 0.001039483859546946 | 0 | 0.006976653406994682 | 0.007473883208094923 | 0 | 0.02827404618331625 | 0 | 0 | #DIV/0! | 0.005507655388069474
280 | Industrie de la fabrication | 0.0019749788765669046 | 0.001690927228241581 | 0.024221185424803775 | 0.039503012100613154 | 0.01932830798537582 | 0.025128654327934968 | 0 | 0 | #DIV/0! | 0.02230750670357335
290 | Autres industries | 0 | 0 | 0.003002737493388424 | 3.6633401779499556e-05 | 0.04726294763312254 | 0.010478154897260032 | 0 | 0 | #DIV/0! | 0.015982282655901344
300 | Production et distribution de l'électricité | 0.06247401234544595 | 0 | 0.023160324869700866 | 0.07550611279434286 | 0 | 0.00047074224457974915 | 0 | 0.06646976250352855 | #DIV/0! | 0.03371117857354331
400 | Production et distribution de gaz | 0 | 0 | 2.8168858303555275e-07 | 0.015529563713346187 | 0.002033831272186831 | 0.01654109193093369 | 0 | 0 | #DIV/0! | 0.00637095414767757
500 | Traitement et distribution de l'eau | 0 | 0 | 0.030450597040262626 | 0.0012632104197397346 | 0.0012491882907228835 | 0.0007605152879668821 | 0 | 0 | #DIV/0! | 0.004384401948714758
600 | Entrep/ batiment et corps/ métiers corresp. | 0.04697429008882037 | 0.09278437322804162 | 0.09973994313358286 | 0.0837138863330354 | 0.046312623156099436 | 0.10871151905027972 | 0 | 0 | #DIV/0! | 0.06700581791328124
700 | Commerce de gros(1) | 0.13574751178527308 | 0.22213700051471166 | 0.20435942522883904 | 0.154035022054357 | 0.1815514642808946 | 0.20051668259846628 | 0 | 0.09549719387562769 | #DIV/0! | 0.16451487714333518
800 | Commerce de détail(2) | 0.013896973338019118 | 0.3063646560640073 | 0.07216081324745141 | 0.17686456970693082 | 0.18386206789075973 | 0.119195833857386 | 0 | 0.23217667433127603 | #DIV/0! | 0.1319477265685051
900 | Rest/débits/boissons, casinos/activités/loterie | 0.006365282658700129 | 2.377556585148336e-05 | 0.0006845203398012732 | 7.993990651132811e-05 | 0.0005349655307015526 | 0.0018802533534305755 | 0 | 0 | #DIV/0! | 0.0014131651681836199
1000 | Hotels,motels et pensions | 0.06941822098443773 | 0 | 0.009954491910098794 | 0.023219886304975915 | 0.000921115883151738 | 0.02888280538482477 | 0.034743089726163134 | 0 | #DIV/0! | 0.022349921818830883
1100 | Transport | 0.1108271694986913 | 0.10174641149173619 | 0.020308806079915896 | 0.00860668727924727 | 0.03559703562613058 | 0.006681934624543931 | 0 | 0 | #DIV/0! | 0.03459818658319067
1200 | Immobilier résidentiel | 0.10145788625345044 | 0.17868630785101258 | 0.11950138656265819 | 0.011558919033240939 | 0.06669031092316557 | 0.03976685746910418 | 0.71011005257615 | 0 | #DIV/0! | 0.08479300309936035
1300 | Immobilier commercial | 0.16738928835339326 | 0.0416428177573815 | 0.09239555222000001 | 0.1403468338907165 | 0.11674987030479274 | 0.01610500818621533 | 0.18990098486281404 | 0 | #DIV/0! | 0.12057984801420149
1400 | Télécommunications | 0.00017365962859540275 | 0 | 0.0019323672664590705 | 0.001042168257997757 | 0.036115388850327175 | 0.0030155277203078416 | 0 | 0 | #DIV/0! | 0.012043759582581257
1500 | Services financiers | 0.012564540528941235 | 0 | 0.023540104177773413 | 0.040781081644430596 | 0.04367317017860562 | 0.16876531654035076 | 0 | 0.19057294551111226 | #DIV/0! | 0.04545576014962134
1510 | Services professionnels | 0.043238396576047104 | 0.01796241852038846 | 0.03553931834969321 | 0.0036854971906658714 | 0.008264951977953964 | 0.034595938524810986 | 0 | 0 | #DIV/0! | 0.01763161133756308
1520 | Services médicaux | 0.00010105119994227494 | 0 | 0.0005715437691175407 | 0.00012165418054703133 | 0.00011038057494534312 | 0.003283880364148202 | 0 | 0 | #DIV/0! | 0.0004362628631732691
1530 | Services d'agence ou de représentation | 7.905436160472071e-05 | 0.0006526069503808323 | 0.0009021018021543734 | 0.0008767731533243323 | 0.0007420560840294182 | 0.000294808589546914 | 0 | 0 | #DIV/0! | 0.0006246089513321259
1540 | Services d'enseignement | 0.0053867587181114455 | 0 | 0.0015022359238801221 | 0.0023035603075820177 | 0.00011074919157011069 | 0.000621893182901458 | 0 | 0 | #DIV/0! | 0.0017326291188239488
1550 | Autres services | 0.009191280421000326 | 0.017557949642599865 | 0.011358991605130979 | 0.009369048830257739 | 0.01366123644531272 | 0.05042151953737786 | 0 | 0 | #DIV/0! | 0.014169559717558743
1560 | Crédit à la consommation | 0.15402134981423216 | 0.017912247846784624 | 0.08820274183483243 | 0.11083014280443837 | 0.060699439894695104 | 0.021214070148094365 | 0.06253662641080587 | 0 | #DIV/0! | 0.08797674527919808
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Total | 0.999994504799173 | 1.0000000000000002 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 1
(1) Commerce de gros
Import-export | 0.024757606681601207 | 0.03289240335624562 | 0.07269910258516248 | 0.04192312891229738 | 0.05250566342907331 | 0.020809476602374935 | 0 | 0 | #DIV/0! | 0.0424721178072747
Produits pétroliers | 0 | 0 | 0.02305282625778651 | 0.004863509481151467 | 8.468551628314812e-06 | 0.011657957772341205 | 0 | 0 | #DIV/0! | 0.005072843082558814
Produits pharmaceutiques | 0 | 0 | 0.0012353408254725984 | 0.002255376691528399 | 0.002590997106287024 | 0.0018499208740971578 | 0 | 0 | #DIV/0! | 0.0017368637510942237
Produits alimentaires | 0.02033161554315301 | 0.0077892592759424275 | 0.04219809052825143 | 0.05487310774414758 | 0.06363701560034263 | 0.08848608616180724 | 0 | 0 | #DIV/0! | 0.050866562703374495
Matériaux de construction | 0 | 0.10375972784857221 | 0.04070282849577064 | 0.009448589332865754 | 0.033008930872236324 | 0.07458336580991115 | 0 | 0 | #DIV/0! | 0.02527858501128597
Appareils électroménagers électron.,équipe.inform. | 0 | 0.07769561003395138 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0.0008396059010398402
Autres | 0.13574753539770051 | 0 | 0.024471236537032728 | 0.04067130983824665 | 0.029800388721327002 | 0.0031298596049522476 | 0 | 0.03595286548329218 | #DIV/0! | 0.044818204262136126
S-Total | 0.1808367576224547 | 0.22213700051471164 | 0.2043594252294764 | 0.15403502200023722 | 0.1815514642808946 | 0.20051666682548394 | - | 0.03595286548329218 | #DIV/0! | 0.17108478251876416
(2) Commerce de détail
Produits pétroliers | 0.0016767675679980444 | 0.0034050090874126757 | 0.003684252791253423 | 0.001192517633626182 | 0.0029169473800040213 | 0.0028714585062920754 | 0 | 0.22156587501176186 | #DIV/0! | 0.003609776429434335
Produits pharmaceutiques | 0.00010848613678694518 | 0 | 7.41007711813488e-05 | 4.830533141656586e-05 | 2.4093707145977403e-05 | 0.005433404555850101 | 0 | 0 | #DIV/0! | 0.0005186277314285774
Véhicules automobiles | 0.008191092515349023 | 0 | 0.020739926603759777 | 0.06072646024359701 | 0.12728499531816317 | 0.06477420842658285 | 0 | 0 | #DIV/0! | 0.06575665400405548
Produits alimentaires | 1.39134686641553e-05 | 0 | 0.03902438156923723 | 0.012200460822319726 | 0.011986271876129937 | 0.0076881653100029064 | 0 | 0.010610799319514188 | #DIV/0! | 0.012433318192884915
Librairie ,papeterie | 3.702150228469295e-05 | 0 | 0 | 0.0007436268560763803 | 0.0037356319021120007 | 0 | 0 | 0 | #DIV/0! | 0.0013741388121452493
Appareils électro- ménagers électroni.équip. inform. | 0.0015471679857557029 | 0 | 0.0035286763197313956 | 0.01065928549960863 | 0.007256309028286872 | 0.027938778428817947 | 0 | 0 | #DIV/0! | 0.00829154645651303
Matériaux de construction | 0 | 0 | 0 | 0.00552608075165598 | 0.006481853685780333 | 5.171469619616525e-07 | 0 | 0 | #DIV/0! | 0.0035473421958030975
Autres | 0.0023224790000936153 | 0.3029596469765946 | 0.005109475192288231 | 0.08576783254157044 | 0.024175964993137407 | 0.010489291829468197 | 0 | 0 | #DIV/0! | 0.03641631494395381
S-Total | 0.013896928176932178 | 0.3063646560640073 | 0.0721608132474514 | 0.1768645696798709 | 0.1838620678907597 | 0.11919582420397605 | - | 0.23217667433127606 | #DIV/0! | 0.13194771876621847
[Secteur d'activité juin19 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2019
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3076035.4429461 | 762228.62781 | 4338559.47874 | 12228418.235 | 15176963.82 | 3709342.295 | 0 | 275151.2 | 0 | 39566699.099496104
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3008203.9532083515 | 52204.56598 | 1318783.3108400002 | 2972571.4420000003 | 2825062.9299999997 | 3350069.9420000003 | 168310.15 | 160026.11051 | 0 | 13855232.40453835
Industries Manufacturières ( 200 à 290 ) | 1247587.975676656 | 3648.06319 | 2436039.17708 | 5168800.108 | 7402647.43 | 2068353.6539999996 | 13124.73 | 348717.86699999997 | 0 | 18688919.004946653
Prêts aux Particuliers ( 1560 ) | 3166004.6182699846 | 25833.84163 | 1383887.28343 | 4095735.906 | 2521070.3 | 246128.142 | 302953.74 | 0 | 0 | 11741613.831329985
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5526320.847341727 | 317768.47809 | 3324629.9704400003 | 5613688.034999999 | 7618943.33 | 648231.97 | 4360032.28 | 0 | 0 | 27409614.91087173
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2281691.06473 | 146743.20629 | 348960.54615 | 356574.151 | 2978479.9299999997 | 112511.101 | 0 | 0 | 0 | 6224959.99917
Bâtiments et Travaux Publics ( 600 ) | 965585.74211 | 133817.75555 | 1564904.1750999999 | 3093652.696 | 1923533.05 | 1261283.856 | 0 | 0 | 0 | 8942777.274759999
Électricité, Gaz et Eau ( 300 à 500 ) | 1284192.171060048 | 0 | 841151.4355 | 3410912.011 | 136355.84 | 206196.89299999998 | 0 | 55815.36 | 0 | 5934623.710560048
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 132928.89106999998 | 14719.406 | 950609.98 | 0 | 0 | 0 | 0 | 1098258.2770699998
Total | 20555621.815342866 | 1442244.53854 | 15689844.268350003 | 36955071.99 | 41533666.61 | 11602117.853 | 4844420.9 | 839710.5375099999 | 0 | 133462698.51274288
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.1496444851232924 | 0.5285016565787188 | 0.27652023847629037 | 0.33089959176128775 | 0.36541353217165434 | 0.31971251645585225 | 0 | 0.32767386820690375 | #DIV/0! | 0.29646260371184024
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.14634458544878493 | 0.03619675067922064 | 0.0840533078776497 | 0.08043744151829482 | 0.06801862586627046 | 0.28874641547739155 | 0.034743089726163134 | 0.19057294551111226 | #DIV/0! | 0.10381351912508698
Industries Manufacturières ( 200 à 290 ) | 0.06069327344529404 | 0.0025294345671039767 | 0.15526216420095684 | 0.1398671367599736 | 0.17823245656374762 | 0.17827380140473045 | 0.0027092464240669094 | 0.4152834237784555 | #DIV/0! | 0.14003102899318534
Prêts aux Particuliers ( 1560 ) | 0.15402134981423213 | 0.017912247846784624 | 0.0882027418348324 | 0.11083014280443836 | 0.060699439894695104 | 0.021214070148094365 | 0.06253662641080587 | 0 | #DIV/0! | 0.08797674527919805
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.26884717460684365 | 0.22032912560839404 | 0.21189693878265814 | 0.15190575292395742 | 0.1834401812279583 | 0.05587186565531951 | 0.900011037438964 | 0 | #DIV/0! | 0.2053728511135618
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.11100082912728669 | 0.10174641149173617 | 0.02224117334637496 | 0.009648855537245024 | 0.07171242447645775 | 0.009697462344851773 | 0 | 0 | #DIV/0! | 0.04664194616577191
Bâtiments et Travaux Publics ( 600 ) | 0.04697429008882036 | 0.0927843732280416 | 0.09973994313358284 | 0.08371388633303539 | 0.046312623156099436 | 0.10871151905027972 | 0 | 0 | #DIV/0! | 0.06700581791328122
Électricité, Gaz et Eau ( 300 à 500 ) | 0.06247401234544594 | 0 | 0.05361120359854651 | 0.09229888692742876 | 0.0032830195629097144 | 0.01777234946348032 | 0 | 0.06646976250352855 | #DIV/0! | 0.04446653466993563
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.008472288749108103 | 0.00039830543433883866 | 0.02288769708020729 | 0 | 0 | 0 | #DIV/0! | 0.008228953028138714
Total | 1.0000000000000002 | 0.9999999999999998 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1.0000000000000002 | 1 | 1.0000000000000002 | #DIV/0! | 1
[Secteur d' activité mars 19 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2019
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 98925.80254 | 15490.479 | 871573.49 | 0 | 0 | 0 | 0 | 985989.77154
200 | Industrie alimentaire | 847222 | 1209.3326299999999 | 628419.25241 | 372290.723 | 1609119.45 | 582148.378 | 13548.62 | 167218.22217 | 0 | 4221175.97821
210 | Industrie des boissons | 200 | 0 | 500545.69093 | 1350918.479 | 3857342.1 | 410293.888 | 0 | 0 | 0 | 6119300.157930001
220 | Industrie du bois | 45600 | 0 | 96.53982 | 12156.266 | 852.01 | 28963.797 | 0 | 0 | 0 | 87668.61282
230 | Industrie chimique | 28 | 0 | 13386.478939999999 | 471919.235 | 15861.86 | 9205.686 | 0 | 160660.64483 | 0 | 671061.9047699999
240 | Industrie du textile | 13830 | 0 | 386817.95548 | 1088543.565 | 68831.81 | 179209.008 | 0 | 33042.44 | 0 | 1770274.7784799999
250 | Industrie pharmacie | 0 | 0 | 18320.701129999998 | 0 | 26193.49 | 147411.154 | 0 | 0 | 0 | 191925.34513
260 | Imprimerie, édition | 4143 | 0 | 4132.34918 | 93187.506 | 111128.75 | 55545.629 | 0 | 0 | 0 | 268137.23418
270 | Sidérurgie, aciérie | 19275 | 0 | 96864.66437 | 287897.964 | 0 | 348072.793 | 0 | 0 | 0 | 752110.42137
280 | Industrie de la fabrication | 42414 | 2664.82652 | 328870.52189 | 1334172.019 | 641096.67 | 261382.786 | 0 | 0 | 0 | 2610600.8234099997
290 | Autres industries | 0 | 0 | 44140.562439999994 | 3572.031 | 271547.03 | 106744.424 | 0 | 0 | 0 | 426004.04744
300 | Production et distribution de l'électricité | 835624 | 0 | 374041.55511 | 2250900.74 | 0 | 5004.494 | 0 | 178429.176 | 0 | 3643999.96511
400 | Production et distribution de gaz | 0 | 0 | 7308.42373 | 530560.475 | 40854.57 | 171126.452 | 0 | 0 | 0 | 749849.9207299999
500 | Traitement et distribution de l'eau | 0 | 0 | 486723.61318 | 42486.938 | 36821.2 | 11019.794 | 0 | 0 | 0 | 577051.5451799999
600 | Entrep/ batiment et corps/ métiers corresp. | 969417 | 117968.64008 | 1376833.3030899998 | 3641377.204 | 1838086.3 | 1294316.056 | 0 | 0 | 0 | 9237998.50317
700 | Commerce de gros(1) | 2307209 | 298220.53396 | 2761292.86391 | 6005539.1 | 5925972.14 | 2056406.556 | 0 | 38700 | 0 | 19393340.19387
800 | Commerce de détail(2) | 337200 | 424631.10247000004 | 1122466.50881 | 6184274.206 | 7418369.19 | 1224199.433 | 0 | 48907.294 | 0 | 16760047.73428
900 | Rest/débits/boissons, casinos/activités/loterie | 118135 | 34.29018 | 10856.44436 | 3571.791 | 23362.91 | 25845.508 | 0 | 0 | 0 | 181805.94354
1000 | Hotels,motels et pensions | 948195 | 0 | 58313.318049999994 | 811556.416 | 43423.36 | 321419.163 | 166765.37 | 0 | 0 | 2349672.6270500002
1100 | Transport | 1984910 | 141709.12316 | 271416.53914 | 320847.326 | 1409393.34 | 83409.874 | 0 | 0 | 0 | 4211686.2023
1200 | Immobilier résidentiel / Avance Hypothécaire | 2040519 | 269481.10802999994 | 1622116.87545 | 474152.812 | 2656904.16 | 360553.54 | 3745497.44 | 0 | 0 | 11169224.93548
1300 | Immobilier commercial | 3376706 | 60464.05072 | 1633457.226 | 4879002.443 | 4459777.43 | 176950.643 | 540143 | 0 | 0 | 15126500.79272
1400 | Télécommunications | 9064 | 0 | 33542.66662 | 36144.098 | 1506010.77 | 32833.183 | 0 | 0 | 0 | 1617594.71762
1500 | Services financiers | 337317 | 0 | 629472.46057 | 1511713.274 | 1800869.3 | 1929605.947 | 0 | 201853.98868 | 0 | 6410831.97025
1510 | Services professionnels | 820020 | 24867.21817 | 226449.55718 | 126335.376 | 259896.89 | 329234.217 | 0 | 0 | 0 | 1786803.25835
1520 | Services médicaux | 2339 | 0 | 5100.435769999999 | 4693.75 | 3935.29 | 40875.743 | 0 | 0 | 0 | 56944.21877000001
1530 | Services d'agence ou de représentation | 1258 | 941.2188100000001 | 17377.773149999997 | 31677.65 | 19342.18 | 11399.556 | 0 | 0 | 0 | 81996.37796
1540 | Services d'enseignement | 46035 | 0 | 22732.41923 | 50537.16 | 7558.15 | 8003.806 | 0 | 0 | 0 | 134866.53523
1550 | Autres services | 200797 | 9840.29603 | 34533.685359999996 | 619333.164 | 396406.88 | 487404.507 | 0 | 0 | 0 | 1748315.53239
1560 | Crédit à la consommation | 2903976 | 25915.75807 | 1348244.84595 | 4187131.455 | 2640888.03 | 236886.488 | 157732.14 | 0 | 0 | 11500774.71702
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 18211433 | 1377947.49883 | 14162801.033789998 | 36741983.645 | 37961418.75 | 10935472.503 | 4623686.569999999 | 828811.76568 | 0 | 124843554.7663
(1) Commerce de gros
Import-export | 455229.904172949 | 46692.91004 | 1239023.95009 | 1407079.21 | 1584484.42 | 201263 | 0 | 4933773.394302949
Produits pétroliers | 263738.48050999996 | 1072461.139 | 564 | 128100 | 0 | 1464863.6195099999
Produits pharmaceutiques | 16534.92931 | 87996.935 | 90721.27 | 20396 | 0 | 215649.13431
Produits alimentaires | 250628.150877273 | 11546.014 | 823948.42317 | 2057910.48 | 1935265.21 | 958846 | 0 | 6038144.278047273
Matériaux de construction | 0 | 134004.1537 | 76924.63028 | 238059.791 | 1312853.13 | 109863 | 0 | 1871704.70498
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1601351.07174 | 105977.45558 | 341122.45055 | 1142031.546 | 1002084.1 | 37937 | 38700 | 0 | 4269203.62387
S-Total | 2307209.126790222 | 298220.53332 | 2761292.8639100003 | 6005539.101000001 | 5925972.129999999 | 1456405 | 0 | 38700 | 0 | 18793338.755020224
(2) Commerce de détail
Produits pétroliers | 31061.75745 | 4910.8557599999995 | 58753.59335 | 53139.222 | 163308.61 | 40902 | 352076.03856
Produits pharmaceutiques | 2497.00887 | 1043.9993 | 2724.544 | 1242.46 | 48413 | 0 | 55921.01217
Véhicules automobiles | 230162.11278 | 304309.84517000004 | 2285312.93 | 5063512.93 | 613979 | 0 | 8497276.81795
Produits alimentaires | 553.33561 | 638510.57326 | 508156.663 | 450501.22 | 84451 | 0 | 1682172.7918699998
Librairie ,papeterie | 945.96859 | 7484.6896 | 28629.42 | 37786.21 | 17 | 0 | 74863.28818999999
Appareils électro- ménagers électroni.équip. inform. | 29.98775 | 47434.53991 | 226021.495 | 303233.73 | 310305 | 44607.294 | 0 | 931632.04666
Matériaux de construction | 29004.92313 | 0 | 188222.876 | 515128.98 | 63 | 0 | 732419.7791299999
Autres | 42945.17213299 | 419720.24671 | 68671.61301999999 | 2892067.057 | 883655.06 | 126068 | 4300 | 0 | 4437427.14886299
S-Total | 337200.26631299 | 424631.10247 | 1126208.85361 | 6184274.207 | 7418369.200000001 | 1224198 | 0 | 48907.294 | 0 | 16763788.923392989
[Non apparentés déc. 15 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 31 DECEMBRE 2015
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 6 | 1271385500 | 1 | 407756000 | 1 | 777875000 | 8 | 2457016500 | 0.5174509410091467 | 0.16595574347994815 | 0.3165933155109052 | 1
BPH | 24 | 90763000 | 6 | 46317000 | 10 | 399638000 | 40 | 536718000 | 0.16910742699145548 | 0.08629671447575822 | 0.7445958585327863 | 1
BUH | 1 | 46070000 | 4 | 323444000 | 2 | 374868000 | 7 | 744382000 | 0.06189026601932879 | 0.43451346217399134 | 0.5035962718066799 | 1
CAPITALBK | 5 | 511418610 | 3 | 634341010 | 0 | 0 | 8 | 1145759620 | 0.44635768364746525 | 0.5536423163525348 | 0 | 1
SOGEBK | 9 | 2994096900.7200003 | 6 | 3362866544.34 | 1 | 915485203.34 | 16 | 7272448648.400001 | 0.41170409658082996 | 0.4624118652360452 | 0.1258840381831248 | 1
SOGEBL | 7 | 253504072.72 | 2 | 169656587.54 | 0 | 0 | 9 | 423160660.26 | 0.5990728735611696 | 0.40092712643883044 | 0 | 1
UNIBK | 4 | 2087539000 | 5 | 4653720000 | 0 | 0 | 9 | 6741259000 | 0.3096660430937307 | 0.6903339569062693 | 0 | 1
CBNA | 2 | 94433000 | 2 | 174253000 | 5 | 1850616000 | 9 | 2119302000 | 0.04455853861318491 | 0.08222188248772473 | 0.8732195788990904 | 1
SCOTIABK | 1 | 24375000 | 2 | 88351000 | 0 | 0 | 3 | 112726000 | 0.21623228004187145 | 0.7837677199581286 | 0 | 1
[Non apparentés sept. 15]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 30 SEPTEMBRE 2015
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 5 | 920530500 | 2 | 921079000 | 0 | 0 | 7 | 1841609500 | 0.499851081350308 | 0.500148918649692 | 0 | 1
BPH | 18 | 80947000 | 6 | 48936000 | 9 | 376113000 | 33 | 505996000 | 0.15997557292943027 | 0.09671222697412628 | 0.7433122000964435 | 1
BUH | 11 | 112795000 | 1 | 46785000 | 1 | 181451000 | 13 | 341031000 | 0 | 0 | 0 | 0
CAPITALBK | 4 | 316015870 | 5 | 887645820 | 0 | 0 | 9 | 1203661690 | 0.2625454250355015 | 0.7374545749644985 | 0 | 1
SOGEBK | 18 | 968165058 | 2 | 558054975 | 0 | 0 | 20 | 1526220033 | 0.6343548355193159 | 0.365645164480684 | 0 | 1
SOGEBL | 6 | 215643401 | 1 | 76305974 | 0 | 0 | 7 | 291949375 | 0.738632857152032 | 0.2613671428479681 | 0 | 1
UNIBK | 9 | 3799089000 | 5 | 3974975000 | 0 | 0 | 14 | 7774064000 | 0.488687641367501 | 0.511312358632499 | 0 | 1
CBNA | 0 | 0 | 4 | 293242000 | 4 | 500400000 | 8 | 793642000 | 0 | 0.36948901393827444 | 0.6305109860617255 | 1
SCOTIABK | 1 | 25000000 | 2 | 89970000 | 0 | 0 | 3 | 114970000 | 0.2174480299208489 | 0.7825519700791511 | 0 | 1
[Non apparentés juin 15]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 30 JUIN 2015
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 5 | 959678000 | 4 | 1208262000 | 1 | 693307000 | 10 | 2861247000 | 0.33540550675981484 | 0.422285108555815 | 0.24230938468437013 | 1
BPH | 13 | 73397000 | 5 | 60697000 | 6 | 317162000 | 24 | 451256000 | 0.16265046891343274 | 0.13450679880156718 | 0.702842732285 | 1
BUH | 8 | 274157000 | 3 | 189663000 | 1 | 121854000 | 12 | 585674000 | 0.46810512332799475 | 0.32383715172604555 | 0.2080577249459597 | 1
CAPITALBK | 5 | 403409910 | 6 | 869703780 | 0 | 0 | 11 | 1273113690 | 0.31686872364085567 | 0.6831312763591443 | 0 | 1
SOGEBK | 8 | 2366415081 | 7 | 4026908005 | 0 | 0 | 15 | 6393323086 | 0.3701385099998996 | 0.6298614900001004 | 0 | 1
SOGEBL | 7 | 198328008 | 2 | 124743481 | 0 | 0 | 9 | 323071489 | 0.6138827310756598 | 0.3861172689243402 | 0 | 1
UNIBK | 10 | 4142229000 | 6 | 4553860000 | 0 | 0 | 16 | 8696089000 | 0.4763324064415624 | 0.5236675935584376 | 0 | 1
CBNA | 3 | 119260000 | 7 | 556814000 | 3 | 597476000 | 13 | 1273550000 | 0.09364375171763967 | 0.43721408660829963 | 0.4691421616740607 | 1
SCOTIABK | 0 | 0 | 1 | 44550000 | 2 | 409256000 | 3 | 453806000 | 0 | 0.09816970247198142 | 0.9018302975280186 | 1
[Non apparentés mars 15]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 31 MARS 2015
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 5 | 959678000 | 4 | 1208262000 | 1 | 693307000 | 10 | 2861247000 | 0.33540550675981484 | 0.422285108555815 | 0.24230938468437013 | 1
BPH | 13 | 73397000 | 5 | 60697000 | 6 | 317162000 | 24 | 451256000 | 0.16265046891343274 | 0.13450679880156718 | 0.702842732285 | 1
BUH | 8 | 274157000 | 3 | 189663000 | 1 | 121854000 | 12 | 585674000 | 0.46810512332799475 | 0.32383715172604555 | 0.2080577249459597 | 1
CAPITALBK | 5 | 403409910 | 6 | 869703780 | 0 | 0 | 11 | 1273113690 | 0.31686872364085567 | 0.6831312763591443 | 0 | 1
SOGEBK | 8 | 2366415081 | 7 | 4026908005 | 0 | 0 | 15 | 6393323086 | 0.3701385099998996 | 0.6298614900001004 | 0 | 1
SOGEBL | 7 | 198328008 | 2 | 124743481 | 0 | 0 | 9 | 323071489 | 0.6138827310756598 | 0.3861172689243402 | 0 | 1
UNIBK | 10 | 4142229000 | 6 | 4553860000 | 0 | 0 | 16 | 8696089000 | 0.4763324064415624 | 0.5236675935584376 | 0 | 1
CBNA | 3 | 119260000 | 7 | 556814000 | 3 | 597476000 | 13 | 1273550000 | 0.09364375171763967 | 0.43721408660829963 | 0.4691421616740607 | 1
SCOTIABK | 0 | 0 | 1 | 44550000 | 2 | 409256000 | 3 | 453806000 | 0 | 0.09816970247198142 | 0.9018302975280186 | 1
[Non apparentés DéC. 14 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 31 DECEMBRE 2014
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 4 | 743386500 | 5 | 1533648500 | 1 | 936747000 | 10 | 3213782000 | 0.23131204916823855 | 0.4772098729783165 | 0.29147807785344493 | 1
BPH | 6 | 52193000 | 6 | 102341000 | 6 | 342508000 | 18 | 497042000 | 0.10500722272966873 | 0.20590010502130604 | 0.6890926722490253 | 1
BUH | 6 | 187647000 | 4 | 229489000 | 2 | 221504000 | 12 | 638640000 | 0.2938228109733183 | 0.359340160340724 | 0.34683702868595767 | 1
CAPITALBK | 1 | 69150020 | 6 | 844385210 | 0 | 0 | 7 | 913535230 | 0.07569496799811432 | 0.9243050320018857 | 0 | 1
SOGEBK | 7 | 2080407302 | 7 | 3998178183 | 0 | 0 | 14 | 6078585485 | 0.34225187868687185 | 0.6577481213131282 | 0 | 1
SOGEBL | 7 | 235730310 | 1 | 75635390 | 0 | 0 | 8 | 311365700 | 0.7570850289546986 | 0.24291497104530138 | 0 | 1
UNIBK | 9 | 3337704000 | 8 | 6149121000 | 0 | 0 | 17 | 9486825000 | 0.35182518914389166 | 0.6481748108561083 | 0 | 1
CBNA | 2 | 65458000 | 7 | 495504000 | 5 | 795024000 | 14 | 1355986000 | 0.04827335975445174 | 0.3654197019733242 | 0.586306938272224 | 1
SCOTIABK | 2 | 54012000 | 1 | 44550000 | 2 | 462008000 | 5 | 560570000 | 0.09635192750236367 | 0.0794726795939847 | 0.8241753929036516 | 1
[Non apparentés sept. 14 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 30 SEPTEMBRE 2014
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 5 | 807172000 | 5 | 1463639000 | 1 | 1178140000 | 11 | 3448951000 | 0.2340340584716918 | 0.42437222216262277 | 0.3415937193656854 | 1
BPH | 8 | 76137000 | 7 | 117733000 | 6 | 340386000 | 21 | 534256000 | 0.14251033212542302 | 0.22036813812105058 | 0.6371215297535264 | 1
BUH | 1 | 33168000 | 2 | 130533000 | 2 | 252370000 | 5 | 416071000 | 0.07971716365716429 | 0.3137277051272499 | 0.6065551312155858 | 1
CAPITALBK | 4 | 280073830 | 5 | 751688300 | 0 | 0 | 9 | 1031762130 | 0.2714519382485961 | 0.7285480617514039 | 0 | 1
SOGEBK | 6 | 1869211455 | 7 | 4003560114 | 0 | 0 | 13 | 5872771569 | 0.3182843795367107 | 0.6817156204632893 | 0 | 1
SOGEBL | 4 | 122658800 | 3 | 178547114 | 0 | 0 | 7 | 301205914 | 0.4072257359462072 | 0.5927742640537927 | 0 | 1
UNIBK | 8 | 3018748000 | 8 | 5327083000 | 0 | 0 | 16 | 8345831000 | 0.36170730032755277 | 0.6382926996724473 | 0 | 1
CBNA | 6 | 161979000 | 5 | 323317000 | 4 | 626030000 | 15 | 1111326000 | 0.14575291138693777 | 0.2909290343247616 | 0.5633180542883006 | 1
SCOTIABK | 1 | 25175000 | 2 | 75221000 | 2 | 517789000 | 5 | 618185000 | 0.040724055096775236 | 0.1216804031155722 | 0.8375955417876526 | 1
[Non apparentés juin 14 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 30 JUIN 2014
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 6 | 956102500 | 4 | 1379948000 | 1 | 1375804000 | 11 | 3711854500 | 0.2575808130410284 | 0.37176780501498646 | 0.37065138194398517 | 1
BPH | 7 | 60508000 | 8 | 133387000 | 8 | 436233000 | 23 | 630128000 | 0.09602493461645888 | 0.21168238834014677 | 0.6922926770433944 | 1
BUH | 1 | 18783000 | 2 | 116421000 | 2 | 225366000 | 5 | 360570000 | 0.05209252017638739 | 0.32288043930443466 | 0.625027040519178 | 1
CAPITALBK | 4 | 245223310 | 6 | 784515870 | 0 | 0 | 10 | 1029739180 | 0.23814118639246104 | 0.7618588136075389 | 0 | 1
SOGEBK | 7 | 2243937185 | 6 | 3516685009 | 0 | 0 | 13 | 5760622194 | 0.38953035096402994 | 0.6104696490359701 | 0 | 1
SOGEBL | 6 | 184614626 | 2 | 122450985 | 0 | 0 | 8 | 307065611 | 0.6012220821432199 | 0.39877791785678013 | 0 | 1
UNIBK | 7 | 2794933000 | 6 | 4111261000 | 0 | 0 | 13 | 6906194000 | 0.4046994625404383 | 0.5953005374595617 | 0 | 1
CBNA | 8 | 252666000 | 5 | 309401000 | 4 | 769098000 | 17 | 1331165000 | 0.18980817554548085 | 0.23242873723392668 | 0.5777630872205924 | 1
SCOTIABK | 2 | 55578000 | 1 | 44550000 | 2 | 527204000 | 5 | 627332000 | 0.08859423718222569 | 0.07101502872482195 | 0.8403907340929524 | 1
[Non apparentés mars 14 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 31 MARS 2014
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 6 | 937491000 | 5 | 1276354000 | 1 | 1609063000 | 12 | 3822908000 | 0.24522980934932256 | 0.3338699231056567 | 0.4209002675450207 | 1
BPH | 9 | 77303000 | 9 | 173744000 | 6 | 320108000 | 24 | 571155000 | 0.1353450464409836 | 0.30419763461757315 | 0.5604573189414432 | 1
BUH | 0 | 0 | 2 | 120333000 | 0 | 0 | 2 | 120333000 | 0 | 1 | 0 | 1
CAPITALBK | 3 | 181318490 | 7 | 785771280 | 0 | 0 | 10 | 967089770 | 0.18748878917414255 | 0.8125112108258574 | 0 | 1
SOGEBK | 7 | 1966515369 | 8 | 4297521801 | 0 | 0 | 15 | 6264037170 | 0.3139373722777574 | 0.6860626277222426 | 0 | 1
SOGEBL | 7 | 173426563 | 3 | 153744093 | 0 | 0 | 10 | 327170656 | 0.5300798217062597 | 0.4699201782937404 | 0 | 1
UNIBK | 6 | 2329520000 | 7 | 4599670000 | 0 | 0 | 13 | 6929190000 | 0.3361893670111514 | 0.6638106329888486 | 0 | 1
CBNA | 6 | 144291000 | 7 | 382373000 | 4 | 848239000 | 17 | 1374903000 | 0.10494631257623264 | 0.27810907387648437 | 0.616944613547283 | 1
SCOTIABK | 2 | 54802000 | 1 | 44550000 | 2 | 527978000 | 5 | 627330000 | 0.08735753112396984 | 0.07101525512887953 | 0.8416272137471507 | 1
[Non apparentés déc. 13]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 31 DÉCEMBRE 2013
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 6 | 888868000 | 5 | 1290177000 | 1 | 1849250000 | 12 | 4028295000 | 0.22065613367442058 | 0.3202786786965701 | 0.4590651876290093 | 1
BPH | 9 | 131606000 | 5 | 143377000 | 3 | 219729000 | 17 | 494712000 | 0.26602548553501837 | 0.28981912708808355 | 0.4441553873768981 | 1
BUH | 8 | 129362000 | 2 | 53707000 | 3 | 196516000 | 13 | 379585000 | 0 | 0 | 0 | 0
CAPITALBK | 7 | 453439100 | 3 | 406075030 | 0 | 0 | 10 | 859514130 | 0.52755281638011 | 0.47244718361989 | 0 | 1
SOGEBK | 5 | 1697231868 | 6 | 3125726039 | 1 | 779466640 | 12 | 5602424547 | 0.3029459573728374 | 0.5579238083043477 | 0.13913023432281488 | 1
SOGEBL | 7 | 183773710 | 2 | 92676250 | 0 | 0 | 9 | 276449960 | 0.6647630189564867 | 0.33523698104351324 | 0 | 1
UNIBK | 6 | 2091605000 | 8 | 5010051000 | 1 | 1022161000 | 15 | 8123817000 | 0.25746579471201775 | 0.6167114547262696 | 0.12582275056171255 | 0.9999999999999999
CBNA | 6 | 132898000 | 5 | 222917000 | 7 | 920941000 | 18 | 1276756000 | 0.10409036652265585 | 0.17459639899871235 | 0.7213132344786318 | 1
SCOTIABK | 2 | 52540000 | 1 | 44550000 | 2 | 524083000 | 5 | 621173000 | 0.08458191196333388 | 0.07171915070358821 | 0.8436989373330779 | 1
[Non apparentés sept. 13 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 30 SEPTEMBRE 2013
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 7 | 818453500 | 5 | 1103273000 | 2 | 2351200000 | 14 | 4272926500 | 0.1915440155593596 | 0.2582007904886733 | 0.5502551939519671 | 1
BPH | 7 | 98725000 | 6 | 165900000 | 2 | 180898000 | 15 | 445523000 | 0.22159349797878 | 0.37237134783164955 | 0.4060351541895705 | 1
BUH | 5 | 78191820 | 2 | 51018829 | 0 | 0 | 7 | 129210649 | 0.6051499671671798 | 0.39485003283282016 | 0 | 1
CAPITALBK | 9 | 528081050 | 4 | 425166050 | 0 | 0 | 13 | 953247100 | 0.5539812814536755 | 0.44601871854632447 | 0 | 1
SOGEBK | 5 | 1408727705 | 6 | 3159970620 | 1 | 816660703 | 12 | 5385359028 | 0.2615847332880923 | 0.5867706504933881 | 0.15164461621851966 | 1
SOGEBL | 6 | 147806581 | 3 | 134909608 | 0 | 0 | 9 | 282716189 | 0.5228090457883189 | 0.4771909542116812 | 0 | 1
UNIBK | 6 | 2176665000 | 8 | 5254876000 | 0 | 0 | 14 | 7431541000 | 0.29289551117325463 | 0.7071044888267454 | 0 | 1
CBNA | 5 | 119947000 | 6 | 290928000 | 5 | 676619000 | 16 | 1087494000 | 0.11029670048754292 | 0.26752147598055714 | 0.6221818235319 | 1
SCOTIABK | 3 | 69873000 | 1 | 44550000 | 2 | 528614000 | 6 | 643037000 | 0.10866093241912984 | 0.06928061682298219 | 0.822058450757888 | 1
[Secteur d'activité mars.19 %]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2019
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.006984903784497157 | 0.0004216015974986153 | 0.02295945511783592 | 0 | 0 | 0 | #DIV/0! | 0.0007655951320740723
200 | Industrie alimentaire | 0.046521435188543375 | 0.0008776333140608267 | 0.0443711135184841 | 0.01013257004839647 | 0.042388285342997094 | 0.05323486276795954 | 0.0029302635018359393 | 0.20175657380153808 | #DIV/0! | 0.0742988577501342
210 | Industrie des boissons | 0 | 0 | 0.035342280791475104 | 0.03676770672080571 | 0.10161216906573071 | 0.03751953908598292 | 0 | 0 | #DIV/0! | 0.05109252814928166
220 | Industrie du bois | 0.002503921574979849 | 0 | 6.816435517922808e-06 | 0.00033085491838038726 | 2.244410319885634e-05 | 0.002648609558668285 | 0 | 0 | #DIV/0! | 0.00029147234150428566
230 | Industrie chimique | 1.537495703934995e-06 | 0 | 0.0009451858363371886 | 0.012844141447551393 | 0.0004178416013495281 | 0.0008418187689168934 | 0 | 0.193844551299517 | #DIV/0! | 0.004429234193815048
240 | Industrie du textile | 0.000759413056622178 | 0 | 0.027312249501854836 | 0.02962669559481265 | 0.0018132043602822404 | 0.016387861425360122 | 0 | 0.039867242923235145 | #DIV/0! | 0.019463213844529263
250 | Industrie pharmacie | 0 | 0 | 0.001293578938678159 | 0 | 0.0006900029256677874 | 0.013480090042708235 | 0 | 0 | #DIV/0! | 0.0020756109507895806
260 | Imprimerie, édition | 0.00022749445362152445 | 0 | 0.0002917748523149431 | 0.0025362676903994902 | 0.0029274129803170223 | 0.0050793990826424554 | 0 | 0 | #DIV/0! | 0.003040037681975695
270 | Sidérurgie, aciérie | 0.0010584010604766797 | 0 | 0.006839371967374083 | 0.007835667414739005 | 0 | 0.03182969852509902 | 0 | 0 | #DIV/0! | 0.010885899304201292
280 | Industrie de la fabrication | 0.0023289765280963886 | 0.0019339100526418278 | 0.023220725978241995 | 0.03631192131297896 | 0.0168881114328742 | 0.02390228551425584 | 0 | 0 | #DIV/0! | 0.027382441168277937
290 | Autres industries | 0 | 0 | 0.003116654843536122 | 9.721932910625789e-05 | 0.007153237127102897 | 0.009761299657670586 | 0 | 0 | #DIV/0! | 0.024308847310698427
300 | Production et distribution de l'électricité | 0.045884582503749154 | 0 | 0.026410139789269187 | 0.06126236301632865 | 0 | 0.0004576385701328483 | 0 | 0.21528311178546977 | #DIV/0! | 0.012333304350819608
400 | Production et distribution de gaz | 0 | 0 | 0.0005160295419361865 | 0.014440169592536432 | 0.0010762129379055412 | 0.01564874786645513 | 0 | 0 | #DIV/0! | 0.001190595406671811
500 | Traitement et distribution de l'eau | 0 | 0 | 0.03436633841136096 | 0.001156359395576123 | 0.0009699637477326897 | 0.0010077108233756582 | 0 | 0 | #DIV/0! | 0.004489361560049613
600 | Entrep/ batiment et corps/ métiers corresp. | 0.05323123117219825 | 0.08561185399310632 | 0.09721475997615961 | 0.09910671234255838 | 0.048419852590467265 | 0.11835940839729804 | 0 | 0 | #DIV/0! | 0.06408563722825225
700 | Commerce de gros(1) | 0.12669014019929128 | 0.2164237274738085 | 0.19496799095899406 | 0.16345168399249607 | 0.15610512818359823 | 0.18804917258361287 | 0 | 0.04669335258319906 | #DIV/0! | 0.2254000873251844
800 | Commerce de détail(2) | 0.018515841120245728 | 0.30816203290078154 | 0.07925455608194938 | 0.16831628541758337 | 0.1954186496256808 | 0.11194755715074563 | 0 | 0.05900892823338956 | #DIV/0! | 0.13286658506723897
900 | Rest/débits/boissons, casinos/activités/loterie | 0.006486859106584309 | 2.4884968425223322e-05 | 0.0007665464150840217 | 9.721279706916596e-05 | 0.0006154382731019504 | 0.002363455990850842 | 0 | 0 | #DIV/0! | 0.0006066103008250327
1000 | Hotels,motels et pensions | 0.05206591924973724 | 0 | 0.004117357711294149 | 0.022087985881253307 | 0.001143881378248014 | 0.029392343395479522 | 0.03606761995547635 | 0 | #DIV/0! | 0.023513703452789896
1100 | Transport | 0.10899252134634325 | 0.10284072744449527 | 0.019164043785720564 | 0.008732444309485783 | 0.037126993310807176 | 0.007627459533835197 | 0 | 0 | #DIV/0! | 0.012975550864719224
1200 | Immobilier résidentiel | 0.11204604272491901 | 0.19556703594209024 | 0.11453362026197425 | 0.012904932313433344 | 0.06998959068145998 | 0.0329710069593323 | 0.8100673311859027 | 0 | #DIV/0! | 0.0758613042792572
1300 | Immobilier commercial | 0.18541682030184006 | 0.04387979278698162 | 0.11533433408425728 | 0.1327909372052631 | 0.11748184279861773 | 0.016181344057282936 | 0.11682085102926863 | 0 | #DIV/0! | 0.09450387009627269
1400 | Télécommunications | 0.0004977093235880998 | 0 | 0.0023683638949649147 | 0.000983727453292213 | 0.03967214133691987 | 0.003002447584317244 | 0 | 0 | #DIV/0! | 0.005783855406133345
1500 | Services financiers | 0.01852226565586574 | 0 | 0.04444547791557527 | 0.041144029908840266 | 0.04743946246740317 | 0.17645382460343056 | 0 | 0.24354623937365147 | #DIV/0! | 0.030953950806659566
1510 | Services professionnels | 0.045027758112170524 | 0.018046564322018423 | 0.015989037524408518 | 0.003438447341892283 | 0.006846342907033737 | 0.030106995094146962 | 0 | 0 | #DIV/0! | 0.010825050967332635
1520 | Services médicaux | 0.00012843580183942693 | 0 | 0.00036012902799603273 | 0.00012774895458424017 | 0.00010366551434540365 | 0.003737903688092699 | 0 | 0 | #DIV/0! | 0.0011785698792103217
1530 | Services d'agence ou de représentation | 6.907748555536514e-05 | 0.0006830585423604155 | 0.0012270011495988421 | 0.0008621649366040917 | 0.0005095220525708091 | 0.0010424383580016944 | 0 | 0 | #DIV/0! | 0.0006490263605656938
1540 | Services d'enseignement | 0.0025278076689516965 | 0 | 0.001605079332524998 | 0.001375460848502046 | 0.0001991008304978064 | 0.0007319122239852245 | 0 | 0 | #DIV/0! | 0.0028936600845032804
1550 | Autres services | 0.011025875887965544 | 0.007141270649538743 | 0.0024383372524692387 | 0.016856279997944024 | 0.010442362089009121 | 0.04457095995315128 | 0 | 0 | #DIV/0! | 0.023355666974174315
1560 | Crédit à la consommation | 0.1594589508689404 | 0.01880750760969107 | 0.09519620043615105 | 0.11396040822008807 | 0.06956768521724441 | 0.021662208737209424 | 0.034113934327516506 | 0 | #DIV/0! | 0.05849987176205859
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Total | 0.999989017887829 | 1 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 1
(1) Commerce de gros
Import-export | 0.024996929356023167 | 0.03388584113665175 | 0.08748438583115746 | 0.0382962232958122 | 0.04173933620434036 | 0.018404600253421714 | 0 | 0 | #DIV/0! | 0.04512582928669867
Produits pétroliers | 0 | 0 | 0.01862191524690388 | 0.029188983081645477 | 1.4857189709222868e-05 | 0.011714171469486799 | 0 | 0 | #DIV/0! | 0.026074385680376875
Produits pharmaceutiques | 0 | 0 | 0.0011674900516183567 | 0.002394996847481722 | 0.002389828225268846 | 0.0018651228828388193 | 0 | 0 | #DIV/0! | 0.0017438574688723486
Produits alimentaires | 0.013762132330677822 | 0.008379139270402966 | 0.05817693980196441 | 0.056009781613411844 | 0.05097979142310112 | 0.08768217374575753 | 0 | 0 | #DIV/0! | 0.049158191134961796
Matériaux de construction | 0 | 0.0972490997035674 | 0.0054314559737491976 | 0.006479230770448512 | 0.03458387945524296 | 0.01004647947035307 | 0 | 0 | #DIV/0! | 0.05833401357954576
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Autres | 0.08793108547471251 | 0.07690964689872748 | 0.024085804053600748 | 0.031082468410913146 | 0.026397435422510388 | 0.003469168798110232 | 0 | 0.04669335258319906 | #DIV/0! | 0.044832690568225524
S-Total | 0.1266901471614135 | 0.2164237270093496 | 0.19496799095899403 | 0.16345168401971288 | 0.1561051279201729 | 0.13318171661996817 | - | 0.04669335258319906 | #DIV/0! | 0.225268967718681
(2) Commerce de détail
Produits pétroliers | 0.0017056185227159225 | 0.0035638917768418266 | 0.004148444450347362 | 0.0014462807047499026 | 0.004301962765814699 | 0.003740304773184614 | 0 | 0 | #DIV/0! | 0.002291940959462693
Produits pharmaceutiques | 0.00013711215751116345 | 0 | 7.371418249181061e-05 | 7.415342694407755e-05 | 3.272954596829972e-05 | 0.004427152094865452 | 0 | 0 | #DIV/0! | 7.016561637524103e-05
Véhicules automobiles | 0.012638330700280422 | 0 | 0.02148655795163466 | 0.062198953439221695 | 0.13338576630516477 | 0.05614563063750223 | 0 | 0 | #DIV/0! | 0.03146258750817694
Produits alimentaires | 3.038396868604464e-05 | 0 | 0.04508363647393083 | 0.013830409046767729 | 0.011867344130809126 | 0.007722665845196172 | 0 | 0 | #DIV/0! | 0.022564783579663145
Librairie ,papeterie | 5.1943665827944456e-05 | 0 | 0 | 0.0007792018056677788 | 0.0009953845573803797 | 0 | 0 | 0 | #DIV/0! | 0.0009903520984834685
Appareils électro- ménagers électroni.équip. inform. | 1.646644171274166e-06 | 0 | 0.003349234363797767 | 0.006151586620467018 | 0.007987945129158272 | 0.02837600294956363 | 0 | 0.05382077794636744 | #DIV/0! | 0.021427657112564898
Matériaux de construction | 0.0015926765966192775 | 0 | 0 | 0.005122828364919108 | 0.013569803157054028 | 5.76106793581318e-06 | 0 | 0 | #DIV/0! | 0.01129155070324652
Autres | 0.0023581434878293213 | 0.3045981411239396 | 0.0048487310424090106 | 0.07871287203606286 | 0.023277714297756588 | 0.011528354167176126 | 0 | 0.005188150287022118 | #DIV/0! | 0.04263643786962351
S-Total | 0.01851585574364137 | 0.3081620329007815 | 0.07899031846461144 | 0.16831628544480015 | 0.19541864988910612 | 0.11194587153542403 | - | 0.05900892823338956 | #DIV/0! | 0.1327354754475964
[Secteur d'activité mars 19 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2019
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 2644409 | 722851.63643 | 3883759.37272 | 12189813.306 | 13344341.33 | 3280605.989 | 0 | 87607.294 | 0 | 36153387.92815
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2474096 | 35683.02319 | 1004836.09367 | 3159418.581 | 2554794.96 | 3153788.4469999997 | 166765.37 | 201853.98868 | 0 | 12751236.463539999
Industries Manufacturières ( 200 à 290 ) | 972712 | 3874.15915 | 2021594.7165899999 | 5014657.788000001 | 6601973.17 | 2128977.543 | 13548.62 | 360921.307 | 0 | 17118259.30374
Prêts aux Particuliers ( 1560 ) | 2903976 | 25915.75807 | 1348244.84595 | 4187131.455 | 2640888.03 | 236886.488 | 157732.14 | 0 | 0 | 11500774.71702
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5417225 | 329945.15874999994 | 3255574.10145 | 5353155.255 | 7116681.59 | 537504.183 | 4285640.4399999995 | 0 | 0 | 26295725.728199996
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1993974 | 141709.12316 | 304959.20576000004 | 356991.424 | 2915404.1100000003 | 116243.057 | 0 | 0 | 0 | 5829280.919920001
Bâtiments et Travaux Publics ( 600 ) | 969417 | 117968.64008 | 1376833.3030899998 | 3641377.204 | 1838086.3 | 1294316.056 | 0 | 0 | 0 | 9237998.50317
Électricité, Gaz et Eau ( 300 à 500 ) | 835624 | 0 | 868073.59202 | 2823948.1530000004 | 77675.76999999999 | 187150.74 | 0 | 178429.176 | 0 | 4970901.43102
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 98925.80254 | 15490.479 | 871573.49 | 0 | 0 | 0 | 0 | 985989.77154
Total | 18211433 | 1377947.4988299997 | 14162801.03379 | 36741983.644999996 | 37961418.75000001 | 10935472.503 | 4623686.569999999 | 828811.76568 | 0 | 124843554.76630001
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.14520598131953702 | 0.52458576037459 | 0.2742225470409434 | 0.3317679694100795 | 0.351523777809279 | 0.2999967297343585 | 0 | 0.10570228081658861 | #DIV/0! | 0.2895895426546214
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13585399896866984 | 0.02589577848234281 | 0.07094896632895106 | 0.08598933066668943 | 0.06729977551221 | 0.28839983330713875 | 0.03606761995547635 | 0.24354623937365147 | #DIV/0! | 0.10213772338836061
Industries Manufacturières ( 200 à 290 ) | 0.053412161470214894 | 0.002811543366702655 | 0.14273975266381442 | 0.13648304447717036 | 0.1739127089395203 | 0.1946854644292639 | 0.0029302635018359393 | 0.4354683680242902 | #DIV/0! | 0.13711768569698612
Prêts aux Particuliers ( 1560 ) | 0.1594589508689404 | 0.018807507609691073 | 0.09519620043615104 | 0.1139604082200881 | 0.0695676852172444 | 0.021662208737209424 | 0.034113934327516506 | 0 | #DIV/0! | 0.09212149348477613
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.29746286302675906 | 0.23944682872907191 | 0.2298679543462315 | 0.14569586951869648 | 0.18747143348007766 | 0.04915235101661523 | 0.9268881822151712 | 0 | #DIV/0! | 0.21062942157826323
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.10949023066993135 | 0.10284072744449528 | 0.02153240768068548 | 0.009716171762777998 | 0.07679913464772703 | 0.010629907118152442 | 0 | 0 | #DIV/0! | 0.0466926861449282
Bâtiments et Travaux Publics ( 600 ) | 0.05323123117219825 | 0.08561185399310633 | 0.0972147599761596 | 0.0991067123425584 | 0.04841985259046725 | 0.11835940839729804 | 0 | 0 | #DIV/0! | 0.0739965993475835
Électricité, Gaz et Eau ( 300 à 500 ) | 0.045884582503749154 | 0 | 0.06129250774256633 | 0.07685889200444122 | 0.0020461766856382305 | 0.017114097259963636 | 0 | 0.21528311178546977 | #DIV/0! | 0.03981704494337127
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.006984903784497156 | 0.00042160159749861544 | 0.022959455117835915 | 0 | 0 | 0 | #DIV/0! | 0.007897802761109426
Total | 1 | 1 | 1 | 1 | 0.9999999999999998 | 1 | 1 | 1 | #DIV/0! | 0.9999999999999999
[Secteur d' activité déc 18 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2018
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 85451.58 | 13631.7 | 371263.32 | 0 | 0 | 0 | 0 | 470346.6
200 | Industrie alimentaire | 947855 | 1209.33 | 656375.17 | 327363.49 | 1777830.06 | 678263.01 | 13959.01 | 160792.12 | 0 | 4563647.1899999995
210 | Industrie des boissons | 301 | 0 | 332710.03 | 923382.98 | 2342886.51 | 254212.72 | 0 | 0 | 0 | 3853493.2399999998
220 | Industrie du bois | 44108 | 0 | 151.4 | 13169.7 | 0 | 28924.59 | 0 | 0 | 0 | 86353.69
230 | Industrie chimique | 69 | 0 | 14442.52 | 450314.1 | 40093.41 | 8715.5 | 0 | 154486.55 | 0 | 668121.0800000001
240 | Industrie du textile | 20874 | 0 | 385158.33 | 1054237.63 | 25846.23 | 267535.92 | 0 | 30522.4 | 0 | 1784174.5099999998
250 | Industrie pharmacie | 0 | 0 | 20136.61 | 0 | 33873.61 | 137004.51 | 0 | 0 | 0 | 191014.73
260 | Imprimerie, édition | 835 | 0 | 7425.7 | 35778.17 | 74498.77 | 54710.82 | 0 | 0 | 0 | 173248.46
270 | Sidérurgie, aciérie | 284880 | 0 | 110999.64 | 305594.57 | 0 | 296445.9 | 0 | 0 | 0 | 997920.11
280 | Industrie de la fabrication | 44207 | 2701.47 | 332458.91 | 1092169.02 | 542254.65 | 250013.37 | 0 | 0 | 0 | 2263804.42
290 | Autres industries | 0 | 0 | 50267.35 | 4884.03 | 1776111.37 | 77631.26 | 0 | 0.02 | 0 | 1908894.03
300 | Production et distribution de l'électricité | 756972 | 0 | 392726.45 | 2410727.7 | 0 | 4528.05 | 0 | 187712.76 | 0 | 3752666.96
400 | Production et distribution de gaz | 0 | 0 | 6755.41 | 502833.71 | 17974 | 164044.42 | 0 | 0 | 0 | 691607.54
500 | Traitement et distribution de l'eau | 0 | 0 | 433031.46 | 46263.46 | 40208.22 | 10823.12 | 0 | 0 | 0 | 530326.26
600 | Entrep/ batiment et corps/ métiers corresp. | 981941 | 111145.95 | 1053480.77 | 3423248.31 | 1807517.45 | 1252974.37 | 0 | 0 | 0 | 8630307.85
700 | Commerce de gros(1) | 1523898 | 301180.99 | 2406135.19 | 4915019.81 | 6489161.3 | 2119434.57 | 0 | 41544 | 0 | 17796373.86
800 | Commerce de détail(2) | 385740 | 393656.51 | 899238.21 | 6016129.43 | 7390252.13 | 1167814.21 | 0 | 45821.24 | 0 | 16298651.729999999
900 | Rest/débits/boissons, casinos/activités/loterie | 112001 | 34.29 | 11011.46 | 3965.65 | 24633.75 | 18456.88 | 0 | 0 | 0 | 170103.03
1000 | Hotels,motels et pensions | 941288 | 0 | 55431.55 | 789095.19 | 41733.79 | 298289.77 | 131871.76 | 0 | 0 | 2257710.0599999996
1100 | Transport | 1848966 | 139147.91 | 232260.49 | 187752.5 | 1380085.92 | 77845.32 | 0 | 0 | 0 | 3866058.1399999997
1200 | Immobilier résidentiel / Avance Hypothécaire | 2023812 | 294176.74 | 1570170.09 | 456282.43 | 2672425.39 | 341428.31 | 3194888.67 | 0 | 0 | 10553183.629999999
1300 | Immobilier commercial | 3275054 | 61192.82 | 1647514.99 | 4825066.25 | 4519706.89 | 172711.56 | 906743.77 | 0 | 0 | 15407990.28
1400 | Télécommunications | 15912 | 0 | 29108.84 | 34155.36 | 1517503.51 | 31503.23 | 0 | 0 | 0 | 1628182.94
1500 | Services financiers | 382649 | 0 | 647670.19 | 1661013.39 | 3031108.98 | 2056857.28 | 0 | 188129.07 | 0 | 7967427.910000001
1510 | Services professionnels | 790631 | 24852.58 | 197478.08 | 131996.57 | 374705.36 | 329623.94 | 0 | 0 | 0 | 1849287.5299999998
1520 | Services médicaux | 2586 | 0 | 4765 | 4753.77 | 12119.72 | 43780.31 | 0 | 0 | 0 | 68004.79999999999
1530 | Services d'agence ou de représentation | 1395 | 941.22 | 16908.94 | 22027.73 | 18955.7 | 10655.99 | 0 | 0 | 0 | 70884.58
1540 | Services d'enseignement | 47458 | 0 | 22831.19 | 62632.94 | 3998.31 | 9417.5 | 0 | 0 | 0 | 146337.94
1550 | Autres services | 130184 | 25646.29 | 24365.08 | 685183.47 | 433921.02 | 773896.05 | 0 | 0 | 0 | 2073195.91
1560 | Crédit à la consommation | 2931567 | 27386.3 | 1376394.91 | 4196938.87 | 2761741.39 | 229367.62 | 330295.86 | 83.33 | 0 | 11853775.28
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 17495183 | 1383272.4000000001 | 13022855.54 | 34595611.93 | 39522410.760000005 | 11166910.1 | 4577759.07 | 809091.4900000001 | 0 | 122573094.28999998
(1) Commerce de gros
Import-export | 179460 | 46815.21 | 1059764.71 | 1420083.66 | 2515715.27 | 223844 | 0 | 5445682.85
Produits pétroliers | 0 | 175541.18 | 73444.99 | 771.78 | 129506 | 0 | 379263.94999999995
Produits pharmaceutiques | 0 | 16003.95 | 101796.69 | 103744.7 | 19047 | 0 | 240592.34
Produits alimentaires | 393536 | 24673.3 | 762344.16 | 1981283.24 | 2086572.79 | 974512 | 0 | 6222921.49
Matériaux de construction | 125870.14 | 59636.69 | 246261.32 | 871125.2 | 735076 | 0 | 2037969.35
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 950902 | 103822.34 | 332844.5 | 1092149.91 | 911231.56 | 37449 | 41544 | 0 | 3469943.31
S-Total | 1523898 | 301180.99 | 2406135.19 | 4915019.81 | 6489161.300000001 | 2119434 | 0 | 41544 | 0 | 17796373.29
(2) Commerce de détail
Produits pétroliers | 31709 | 5065.92 | 60329.76 | 99684.54 | 184879.51 | 55298 | 436966.73
Produits pharmaceutiques | 2755 | 972.43 | 3587.23 | 1660.32 | 46807 | 0 | 55781.979999999996
Véhicules automobiles | 276303 | 169622.03 | 2075517.3 | 4895130.75 | 588929 | 0 | 8005502.08
Produits alimentaires | 828 | 539806.91 | 462975.24 | 476761.94 | 89658 | 0 | 1570030.09
Librairie ,papeterie | 1022 | 0 | 30879.59 | 40544.69 | 0 | 0 | 72446.28
Appareils électro- ménagers électroni.équip. inform. | 49 | 44634.75 | 205122.1 | 305308.76 | 272919 | 41205.24 | 0 | 869238.85
Matériaux de construction | 27797 | 0 | 188632.76 | 427752.11 | 443 | 0 | 644624.87
Autres | 45276 | 388590.59 | 83872.33 | 2949730.67 | 1058214.05 | 113760 | 4616 | 0 | 4644059.64
S-Total | 385739 | 393656.51 | 899238.21 | 6016129.43 | 7390252.130000001 | 1167814 | 0 | 45821.24 | 0 | 16298650.519999996
[Secteur d'activité déc. 18 (%)]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU31 DECEMBRE 2018
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.006561662281942199 | 0.0003940297407538876 | 0.009393741749573374 | 0 | 0 | 0 | #DIV/0! | 0.0038372744257168744
200 | Industrie alimentaire | 0.05417805575397525 | 0.0008742529670945504 | 0.05040178538293147 | 0.009462572613612965 | 0.04498283444286534 | 0.06073864694227278 | 0.003049310762438181 | 0.19873169102297686 | #DIV/0! | 0.037232046856895906
210 | Industrie des boissons | 0 | 0 | 0.02554816253455884 | 0.02669075436122803 | 0.05927994939952391 | 0.022764821935837024 | 0 | 0 | #DIV/0! | 0.031438328797369554
220 | Industrie du bois | 0.0025211511077077617 | 0 | 1.1625714462928e-05 | 0.00038067544596832924 | 0 | 0.0025902053245687004 | 0 | 0 | #DIV/0! | 0.0007045077102785117
230 | Industrie chimique | 3.943942741267697e-06 | 0 | 0.0011090133001659635 | 0.01301650917206366 | 0.0010144474800251279 | 0.0007804755229470327 | 0 | 0.1909382954948642 | #DIV/0! | 0.005450797206924295
240 | Industrie du textile | 0.001193128417119158 | 0 | 0.02957556649668557 | 0.03047316035724765 | 0.0006539639030865636 | 0.02395791831439567 | 0 | 0.03772428752155087 | #DIV/0! | 0.014556004483159728
250 | Industrie pharmacie | 0 | 0 | 0.0015462515066799246 | 0 | 0.000857073476759746 | 0.012268793137324534 | 0 | 0 | #DIV/0! | 0.0015583740551419185
260 | Imprimerie, édition | 4.772742302838444e-05 | 0 | 0.0005702052040116541 | 0.0010341823139996124 | 0.0018849753486039624 | 0.004899369611652914 | 0 | 0 | #DIV/0! | 0.0014134297661614497
270 | Sidérurgie, aciérie | 0.016283339248294802 | 0 | 0.008523448613789968 | 0.00883333327412544 | 0 | 0.026546815309277008 | 0 | 0 | #DIV/0! | 0.008141428718760953
280 | Industrie de la fabrication | 0.002526809808162624 | 0.0019529559036961914 | 0.025528879513317553 | 0.03156958235656796 | 0.013720181526699966 | 0.022388768939762486 | 0 | 0 | #DIV/0! | 0.018469015840001442
290 | Autres industries | 0 | 0 | 0.003859933011281795 | 0.00014117484060933042 | 0.04493934797615063 | 0.0069519015828738515 | 0 | 2.4719083375849123e-08 | #DIV/0! | 0.015573515876850436
300 | Production et distribution de l'électricité | 0.04326745253250566 | 0 | 0.03015670785825211 | 0.06968304838422322 | 0 | 0.000405488175283152 | 0 | 0.23200436825753784 | #DIV/0! | 0.030615747948089113
400 | Production et distribution de gaz | 0 | 0 | 0.0005187349256275326 | 0.014534609505315954 | 0.0004547799502704222 | 0.014690224827725622 | 0 | 0 | #DIV/0! | 0.005642409078485867
500 | Traitement et distribution de l'eau | 0 | 0 | 0.03325165196449688 | 0.0013372638152378536 | 0.0010173524141572378 | 0.0009692134980114151 | 0 | 0 | #DIV/0! | 0.004326612321177783
600 | Entrep/ batiment et corps/ métiers corresp. | 0.056126363468161494 | 0.08035000915221036 | 0.08089475973715671 | 0.09895036159286691 | 0.04573398776142874 | 0.11220421394813594 | 0 | 0 | #DIV/0! | 0.07040948015541855
700 | Commerce de gros(1) | 0.08710386167438203 | 0.21773078823809394 | 0.18476248796659847 | 0.1420706134623357 | 0.1641894098871007 | 0.18979597319405303 | 0 | 0.0513464799883138 | #DIV/0! | 0.1451898882302419
800 | Commerce de détail(2) | 0.02204835468140002 | 0.28458350647348996 | 0.06905077056548536 | 0.1738986274378642 | 0.18698890042101265 | 0.10457809721240614 | 0 | 0.05663295259723964 | #DIV/0! | 0.13297087606712815
900 | Rest/débits/boissons, casinos/activités/loterie | 0.006401819289343815 | 2.4789043719805292e-05 | 0.0008455488096430193 | 0.000114628699386038 | 0.0006232856125500173 | 0.001652818893921247 | 0 | 0 | #DIV/0! | 0.0013877680985808132
1000 | Hotels,motels et pensions | 0.05380269529046938 | 0 | 0.004256481985056252 | 0.022809112080359722 | 0.0010559525392676223 | 0.026711934396248076 | 0.028807055588445374 | 0 | #DIV/0! | 0.018419295629907198
1100 | Transport | 0.10568429035580823 | 0.10059328155466703 | 0.01783483578441046 | 0.005427061107631056 | 0.03491907233039444 | 0.006971070717225529 | 0 | 0 | #DIV/0! | 0.03154083824344972
1200 | Immobilier résidentiel | 0.11567824126218057 | 0.21266725194545916 | 0.12057033767879761 | 0.013189026137859097 | 0.0676179751844672 | 0.030575003017173034 | 0.6979154256801025 | 0 | #DIV/0! | 0.08609706470354621
1300 | Immobilier commercial | 0.18719747029796716 | 0.04423772208568608 | 0.1265095036138288 | 0.13947046983192357 | 0.11435807692617582 | 0.015466369698812208 | 0.19807590485534224 | 0 | #DIV/0! | 0.12570450610919306
1400 | Télécommunications | 0.0009095074912906026 | 0 | 0.002235211771380826 | 0.0009872743418763397 | 0.03839602597156955 | 0.0028211232756319943 | 0 | 0 | #DIV/0! | 0.013283363281568343
1500 | Services financiers | 0.021871677478309315 | 0 | 0.04973334673111179 | 0.04801225639138449 | 0.07669342334419885 | 0.18419215893929333 | 0 | 0.23251890833754782 | #DIV/0! | 0.06500144225085469
1510 | Services professionnels | 0.04519135352856841 | 0.017966511874306174 | 0.015163961497802194 | 0.003815413650351928 | 0.009480832590790064 | 0.029517918300425827 | 0 | 0 | #DIV/0! | 0.015087222368921401
1520 | Services médicaux | 0.00014781211491185888 | 0 | 0.00036589517447722534 | 0.00013740962320940223 | 0.0003066543706960855 | 0.00392053930836248 | 0 | 0 | #DIV/0! | 0.0005548101758702857
1530 | Services d'agence ou de représentation | 7.973623368215125e-05 | 0.0006804299717105611 | 0.0012984049426075412 | 0.0006367203460534366 | 0.00047961902210643385 | 0.0009542469586103321 | 0 | 0 | #DIV/0! | 0.000578304565211446
1540 | Services d'enseignement | 0.002712632385725831 | 0 | 0.0017531631161747496 | 0.0018104301819181611 | 0.0001011656405344237 | 0.0008433398241470575 | 0 | 0 | #DIV/0! | 0.00119388305278297
1550 | Autres services | 0.007441133939553533 | 0.018540303413846757 | 0.0018709475756036838 | 0.019805502252319893 | 0.010979113157721758 | 0.0693026130836318 | 0 | 0 | #DIV/0! | 0.01691395588900573
1560 | Crédit à la consommation | 0.1675642375389843 | 0.019798197376019355 | 0.10569071474166103 | 0.12131419668170616 | 0.0698778575722692 | 0.020539936109989818 | 0.07215230311367173 | 0.00010299206088547536 | #DIV/0! | 0.09670780809330584
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Total | 0.9999827952642737 | 1 | 1.0000000000000002 | 1 | 0.9999999999999998 | 1.0000000000000002 | 0.9999999999999999 | 1 | #DIV/0! | 1
(1) Commerce de gros
Import-export | 0.0102576806427232 | 0.03384381124064934 | 0.0813772913893507 | 0.04104808618137369 | 0.0636528800147514 | 0.020045294355866626 | 0 | 0 | #DIV/0! | 0.04442804419309076
Produits pétroliers | 0 | 0 | 0.013479469188675344 | 0.002122956811650188 | 1.952765494712954e-05 | 0.011597299417678664 | 0 | 0 | #DIV/0! | 0.0030941859810007413
Produits pharmaceutiques | 0 | 0 | 0.0012289125031636496 | 0.002942474039943944 | 0.0026249588019817438 | 0.001705664309055376 | 0 | 0 | #DIV/0! | 0.0019628478940963514
Produits alimentaires | 0.022493963052572813 | 0.017836906165408922 | 0.058538940070282014 | 0.057269784503563195 | 0.052794673955258484 | 0.08726782890461346 | 0 | 0 | #DIV/0! | 0.050769065805559024
Matériaux de construction | 0 | 0.09099447079259297 | 0.004579386588204449 | 0.007118281951430133 | 0.02204129715896915 | 0.06582626647992805 | 0 | 0 | #DIV/0! | 0.016626563617446886
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Autres | 0.054352217979086015 | 0.07505560003944269 | 0.02555848822692231 | 0.03156902997437455 | 0.02305607230119279 | 0.0033535686832474815 | 0 | 0.0513464799883138 | #DIV/0! | 0.028309176088761694
S-Total | 0.08710386167438203 | 0.21773078823809394 | 0.18476248796659844 | 0.1420706134623357 | 0.16418940988710068 | 0.18979592215038965 | - | 0.0513464799883138 | #DIV/0! | 0.14518988357995544
(2) Commerce de détail
Produits pétroliers | 0.0018124417446790926 | 0.0036622721598435705 | 0.004632606098923217 | 0.0028814214993999675 | 0.004677839900067877 | 0.00495195174894441 | 0 | 0 | #DIV/0! | 0.0035649481848452408
Produits pharmaceutiques | 0.00015747191669844207 | 0 | 7.467102718087894e-05 | 0.00010369031792986701 | 4.200958312189759e-05 | 0.0041915802653412606 | 0 | 0 | #DIV/0! | 0.00045509155433429344
Véhicules automobiles | 0.01579309001797809 | 0 | 0.01302494905813875 | 0.05999365769854154 | 0.12385708907601059 | 0.052738760742777 | 0 | 0 | #DIV/0! | 0.06531206645611395
Produits alimentaires | 4.7327312895212354e-05 | 0 | 0.041450733162321486 | 0.013382484487823887 | 0.012063078411262378 | 0.00802889959685446 | 0 | 0 | #DIV/0! | 0.01280892922785657
Librairie ,papeterie | 5.841607944312443e-05 | 0 | 0 | 0.0008925868998207369 | 0.0010258658118354113 | 0 | 0 | 0 | #DIV/0! | 0.0005910455342556402
Appareils électro- ménagers électroni.équip. inform. | 2.800770932204596e-06 | 0 | 0.0034274165034621894 | 0.0059291363429281015 | 0.007724952859125641 | 0.024439974671238734 | 0 | 0.05092778815409366 | #DIV/0! | 0.007091595876199693
Matériaux de construction | 0.00158883733882635 | 0 | 0 | 0.005452505375007541 | 0.010823026778339165 | 3.9670776968106875e-05 | 0 | 0 | #DIV/0! | 0.0052591057909891666
Autres | 0.0025879123413570467 | 0.2809212343136464 | 0.00644039471545885 | 0.08526314481641256 | 0.026775038001249696 | 0.010187240604721981 | 0 | 0.005705164443145978 | #DIV/0! | 0.03788808357087287
S-Total | 0.022048297522809568 | 0.28458350647348996 | 0.06905077056548536 | 0.17389862743786422 | 0.18698890042101265 | 0.10457807840684595 | - | 0.05663295259723964 | #DIV/0! | 0.13297086619546744
[Secteur d'activité déc 18 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2018
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 1909638 | 694837.5 | 3305373.4 | 10931149.239999998 | 13879413.43 | 3287248.78 | 0 | 87365.23999999999 | 0 | 34095025.59
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2408192 | 51474.380000000005 | 980461.4899999998 | 3360668.71 | 3941176.6300000004 | 3540977.7200000007 | 131871.76 | 188129.07 | 0 | 14602951.760000002
Industries Manufacturières ( 200 à 290 ) | 1343129 | 3910.7999999999997 | 1910125.6600000001 | 4206893.69 | 6613394.61 | 2053457.6000000003 | 13959.01 | 345801.09 | 0 | 16490671.46
Prêts aux Particuliers ( 1560 ) | 2931567 | 27386.3 | 1376394.91 | 4196938.87 | 2761741.39 | 229367.62 | 330295.86 | 83.33 | 0 | 11853775.28
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5298866 | 355369.56 | 3217685.08 | 5281348.68 | 7192132.279999999 | 514139.87 | 4101632.44 | 0 | 0 | 25961173.910000004
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1864878 | 139147.91 | 261369.33 | 221907.86 | 2897589.4299999997 | 109348.55 | 0 | 0 | 0 | 5494241.079999999
Bâtiments et Travaux Publics ( 600 ) | 981941 | 111145.95 | 1053480.77 | 3423248.31 | 1807517.45 | 1252974.37 | 0 | 0 | 0 | 8630307.85
Électricité, Gaz et Eau ( 300 à 500 ) | 756972 | 0 | 832513.3200000001 | 2959824.87 | 58182.22 | 179395.59 | 0 | 187712.76 | 0 | 4974600.76
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 85451.58 | 13631.7 | 371263.32 | 0 | 0 | 0 | 0 | 470346.6
Total | 17495183 | 1383272.4 | 13022855.54 | 34595611.93 | 39522410.76 | 11166910.099999998 | 4577759.07 | 809091.49 | 0 | 122573094.28999999
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.10915221635578204 | 0.502314294711584 | 0.2538132585320838 | 0.31596924090019984 | 0.3511783103081134 | 0.2943740704064592 | 0 | 0.10797943258555345 | #DIV/0! | 0.2781607642973701
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1376488602605643 | 0.03721203430358331 | 0.07528774983247644 | 0.09714147322498308 | 0.09972004627786528 | 0.31709556970464026 | 0.028807055588445374 | 0.23251890833754785 | #DIV/0! | 0.11913668203113453
Industries Manufacturières ( 200 à 290 ) | 0.07677136043675564 | 0.0028272088707907424 | 0.14667487127788567 | 0.12160194473542299 | 0.16733277355371529 | 0.18388771662091205 | 0.003049310762438181 | 0.4273942987584754 | #DIV/0! | 0.13453744931154418
Prêts aux Particuliers ( 1560 ) | 0.1675642375389843 | 0.019798197376019358 | 0.10569071474166103 | 0.12131419668170616 | 0.06987785757226922 | 0.02053993610998982 | 0.07215230311367173 | 0.00010299206088547539 | #DIV/0! | 0.09670780809330583
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.30287571156014775 | 0.2569049740311453 | 0.2470798412926264 | 0.15265949596978265 | 0.18197605211064305 | 0.04604137271598525 | 0.8959913305354447 | 0 | #DIV/0! | 0.2118015708127393
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.10659379784709883 | 0.10059328155466704 | 0.020070047555791285 | 0.006414335449507396 | 0.073315098301964 | 0.009792193992857525 | 0 | 0 | #DIV/0! | 0.04482420152501805
Bâtiments et Travaux Publics ( 600 ) | 0.056126363468161494 | 0.08035000915221037 | 0.08089475973715671 | 0.09895036159286691 | 0.04573398776142875 | 0.11220421394813597 | 0 | 0 | #DIV/0! | 0.07040948015541854
Électricité, Gaz et Eau ( 300 à 500 ) | 0.04326745253250566 | 0 | 0.06392709474837652 | 0.08555492170477703 | 0.0014721323644276603 | 0.01606492650102019 | 0 | 0.23200436825753787 | #DIV/0! | 0.04058476934775276
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.006561662281942199 | 0.0003940297407538876 | 0.009393741749573376 | 0 | 0 | 0 | #DIV/0! | 0.003837274425716874
Total | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1.0000000000000002 | 1.0000000000000004 | 1 | 1 | #DIV/0! | 1.0000000000000002
[Secteur d'activitésept. 17 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2017
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire. | 0
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 4.1 | 15267.2 | 656218.5 | 0 | 0 | 0 | 671489.8
200 | Industrie alimentaire | 669613 | 1209.3 | 389022.28 | 90684.15 | 1637870.2 | 503318.08 | 16768.49 | 147583.78 | 3456069.28
210 | Industrie des boissons | 14 | 0 | 2991.73 | 775777.93 | 2464556.54 | 237266.08 | 0 | 71400 | 3552006.2800000003
220 | Industrie du bois | 18217 | 0 | 25.64 | 742.23 | 994.35 | 30378.34 | 0 | 0 | 50357.56
230 | Industrie chimique | 0 | 0 | 13946.18 | 299705.35 | 71244.26 | 45351.92 | 0 | 141796.18 | 572043.8899999999
240 | Industrie du textile | 51322 | 0 | 244352.44 | 731575.9 | 9943.26 | 117365.7 | 0 | 0 | 1154559.3
250 | Industrie pharmacie | 0 | 0 | 72686.73 | 517.59 | 17605.32 | 134784.95 | 0 | 0 | 225594.59
260 | Imprimerie, édition | 25590 | 0 | 2775.87 | 131320.68 | 33199.18 | 50305.62 | 0 | 0 | 243191.34999999998
270 | Sidérurgie, aciérie | 317501 | 0 | 116925.03 | 373105.58 | 0 | 363529.79 | 0 | 0 | 1171061.4000000001
280 | Industrie de la fabrication | 52833 | 3200.07 | 361798.65 | 1200274.99 | 611897.34 | 184895.04 | 0 | 1.11 | 2414900.1999999997
290 | Autres industries | 0 | 0 | 24745.01 | 4448.89 | 235395.55 | 109209.78 | 0 | 154217.4 | 528016.63
300 | Production et distribution de l'électricité | 747044 | 0 | 68965 | 1342068.25 | 125380 | 3408.81 | 0 | 0 | 2286866.06
400 | Production et distribution de gaz | 0 | 456.82 | 2.93 | 5843.82 | 197.81 | 93411.72 | 0 | 0 | 99913.1
500 | Traitement et distribution de l'eau | 0 | 1893.87 | 312811.71 | 25121.12 | 51194.1 | 0 | 0 | 0 | 391020.8
600 | Entrep/ batiment et corps/ métiers corresp. | 991857 | 95544.22 | 622909.05 | 2177656.19 | 1335695.94 | 418275.05 | 0 | 0 | 5641937.45
700 | Commerce de gros(1) | 1252939 | 274002.05 | 1418628.14 | 4469159.84 | 4458634.31 | 1641378.41 | 0 | 132600 | 13647341.75
800 | Commerce de détail(2) | 113385 | 406375.8 | 613725.45 | 3741952.21 | 6290060.43 | 720882.22 | 93.11 | 33852.6 | 11920326.82
900 | Rest/débits/boissons, casinos/activités/loterie | 96077 | 1013.91 | 12286.63 | 1706.28 | 22265.82 | 29342.14 | 0 | 0 | 162691.78000000003
1000 | Hotels,motels et pensions | 901199 | 0 | 4112.18 | 1590510.53 | 26513.58 | 340954.28 | 118631.94 | 0 | 2981921.5100000002
1100 | Transport | 1583514 | 140227.64 | 126298.15 | 217554.29 | 864912.9 | 67489 | 0 | 0 | 2999995.98
1200 | Immobilier résidentiel / Avance Hypothécaire | 1708159 | 292817.95 | 1288768.4 | 245336.48 | 2571857.71 | 294918.04 | 2915350.4 | 0 | 9317207.979999999
1300 | Immobilier commercial | 1918481 | 25980.43 | 1169509.16 | 2815214.41 | 4074065.82 | 132290.9 | 957670.74 | 0 | 11093212.46
1400 | Télécommunications | 85375 | 0 | 19162.88 | 109098 | 147324.95 | 30603.88 | 0 | 0 | 391564.71
1500 | Services financiers | 157052 | 0 | 268773.08 | 1687293.83 | 3730110.94 | 1493343.68 | 0 | 128706.57 | 7465280.1
1510 | Services professionnels | 746533 | 26328.82 | 85110.33 | 109954.64 | 222195.89 | 162420.57 | 0 | 0 | 1352543.25
1520 | Services médicaux | 562 | 397.52 | 2268.01 | 3663.67 | 16572.78 | 48309 | 0 | 0 | 71772.98
1530 | Services d'agence ou de représentation | 1742 | 941.22 | 11760.56 | 12334.25 | 27475.5 | 9867.95 | 0 | 0 | 64121.479999999996
1540 | Services d'enseignement | 24811 | 0 | 16313.58 | 156343.37 | 9691.07 | 27585.99 | 0 | 0 | 234745.01
1550 | Autres services | 35275 | 10498.45 | 21504.73 | 669186.53 | 319218.96 | 367621.9 | 0 | 0 | 1423305.5699999998
1560 | Crédit à la consommation | 2889189 | 49689.64 | 1282488.35 | 3413188.36 | 1726360.63 | 245032.82 | 120737.98 | 2079.31 | 9728766.090000002
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprise d'Élevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 14388284 | 1330577.7099999997 | 8574671.979999999 | 26416606.560000006 | 31758653.639999997 | 7903541.660000001 | 4129252.6599999997 | 812236.95 | 95313825.16
(1) Commerce de gros
Import-export | 33547 | 48467.25 | 646849.78 | 960684.54 | 1866081.11 | 108136 | 0 | 0 | 3663765.68
Produits pétroliers | 0 | 0 | 80488.62 | 74623.57 | 21063.62 | 95992 | 0 | 0 | 272167.81
Produits pharmaceutiques | 0 | 0 | 14207.32 | 126756.56 | 106678.27 | 14926 | 0 | 0 | 262568.15
Produits alimentaires | 382121 | 13293.6 | 532945.56 | 1941057.5 | 1156711.21 | 614650 | 0 | 132600 | 4773378.87
Matériaux de construction | 0 | 104104.2 | 29465.09 | 371155.82 | 626894.44 | 697653 | 0 | 0 | 1829272.5499999998
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 837270 | 108136.99 | 114671.76 | 994881.84 | 681205.65 | 110021 | 0 | 0 | 2846187.2399999998
S-Total | 1252938 | 274002.04 | 1418628.1300000001 | 4469159.83 | 4458634.3 | 1641378 | - | 132600 | 13647340.300000003
(2) Commerce de détail
Produits pétroliers | 19893 | 5361.76 | 2210.09 | 60790.06 | 124025.57 | 1081 | 0 | 0 | 213361.48
Produits pharmaceutiques | 9329 | 0 | 954.99 | 15980.58 | 2902.05 | 26309 | 0 | 0 | 55475.619999999995
Véhicules automobiles | 15408 | 0 | 92985.8 | 1126906.92 | 3809917.59 | 241294 | 0 | 0 | 5286512.31
Produits alimentaires | 2298 | 0 | 283293.83 | 540529.04 | 670830.56 | 102056 | 0 | 0 | 1599007.4300000002
Librairie ,papeterie | 1077 | 0 | 0 | 26802.12 | 22377.04 | 3 | 0 | 0 | 50259.16
Appareils électro- ménagers électroni.équip. inform. | 25378 | 0 | 37048.65 | 213057.23 | 251921.09 | 255725 | 0 | 33852.6 | 816982.57
Matériaux de construction | 0 | 0 | 0 | 161378.9 | 548251.68 | 108 | 0 | 0 | 709738.5800000001
Autres | 40003 | 396939.18 | 197232.09 | 1596507.36 | 859834.85 | 94306 | 93.11 | 0 | 3184915.59
S-Total | 113386 | 402300.94 | 613725.4500000001 | 3741952.21 | 6290060.429999999 | 720882 | 93.11 | 33852.6 | 11916252.74
[Secteur d'activité sept. 17 % ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2017
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 4.781524015802643e-07 | 0.0005779394853507632 | 0.02066266748705913 | 0 | 0 | 0 | 0.007045040935801218
200 | Industrie alimentaire | 0.046538767235898316 | 0.0009088533431091373 | 0.04536876523176343 | 0.003432846296666803 | 0.051572406644376886 | 0.06368259973213071 | 0.004060901906641867 | 0.18170040158847736 | 0.036259894870428466
210 | Industrie des boissons | 9.730138771239155e-07 | 0 | 0.0003489031425316401 | 0.02936705470621204 | 0.07760267698804124 | 0.030020222604861927 | 0 | 0.0879053827826966 | 0.03726643300735619
220 | Industrie du bois | 0.0012660995571118834 | 0 | 2.9902018479312143e-06 | 2.8097098630521446e-05 | 3.1309576636070525e-05 | 0.003843636347707946 | 0 | 0 | 0.0005283342675154052
230 | Industrie chimique | 0 | 0 | 0.0016264388926513784 | 0.011345338748157512 | 0.0022433022762107244 | 0.005738176877023002 | 0 | 0.17457489467820936 | 0.0060016885172715475
240 | Industrie du textile | 0.003566929871553828 | 0 | 0.028497001467804258 | 0.02769378793367621 | 0.0003130882093652885 | 0.014849760404755047 | 0 | 0 | 0.012113240634943373
250 | Industrie pharmaceutique | 0 | 0 | 0.00847691085671128 | 1.959335688421594e-05 | 0.0005543471772942577 | 0.017053740689715047 | 0 | 0 | 0.002366861151793061
260 | Imprimerie, édition | 0.0017785303654000713 | 0 | 0.000323729001701124 | 0.004971141153264008 | 0.001045358546251018 | 0.006364946521962155 | 0 | 0 | 0.0025514803292362165
270 | Sidérurgie, aciérie | 0.022066634214337164 | 0 | 0.013636093633986454 | 0.014123902672834445 | 0 | 0.04599580866889489 | 0 | 0 | 0.012286375014686277
280 | Industrie de la fabrication | 0.003671945869291988 | 0.002405023003128469 | 0.04219387643560915 | 0.04543638060679054 | 0.01926710580795263 | 0.023393947669784282 | 0 | 1.3665962869578884e-06 | 0.025336305577351354
290 | Autres industries | 0 | 0 | 0.002885825843567721 | 0.0001684126229421346 | 0.0074120128853170115 | 0.013817828095056816 | 0 | 0.18986750110297249 | 0.005539769588657646
300 | Production et distribution de l'électricité | 0.051920298487297026 | 0 | 0.008042873262190959 | 0.05080396102170663 | 0.003947900355639888 | 0.0004313015792972994 | 0 | 0 | 0.02399301524370801
400 | Production et distribution de gaz | 0 | 0.00034332455486572075 | 3.4170403332443285e-07 | 0.0002212176642267408 | 6.228538597456741e-06 | 0.011818969775633471 | 0 | 0 | 0.0010482540159549715
500 | Traitement et distribution de l'eau | 0 | 0.0014233441502638732 | 0.03648089521437298 | 0.0009509593877223567 | 0.0016119732461051522 | 0 | 0 | 0 | 0.00410245627372112
600 | Entrep/ batiment et corps/ métiers corresp. | 0.06893504465160682 | 0.07180656889254519 | 0.07264523371306854 | 0.08243512220443197 | 0.04205770040319631 | 0.052922483108667505 | 0 | 0 | 0.05919327485313989
700 | Commerce de gros(1) | 0.08708050244212583 | 0.20592713070475233 | 0.1654440127049618 | 0.16917993724323382 | 0.14039116269035892 | 0.20767631532924694 | 0 | 0.16325285373929369 | 0.1431832341959908
800 | Commerce de détail(2) | 0.007880369889835368 | 0.3054130525003309 | 0.07157421898254353 | 0.141651510064357 | 0.198058157669432 | 0.09121002343144477 | 2.2548874497788665e-05 | 0.04167823194943298 | 0.12506398520875395
900 | Rest/débits/boissons, casinos/activités/loterie | 0.006677446733745316 | 0.0007620073539335031 | 0.0014328979614214934 | 6.459118797581091e-05 | 0.0007010945820434976 | 0.0037125305669610397 | 0 | 0 | 0.0017069064191568748
1000 | Hotels,motels et pensions | 0.06263422378929968 | 0 | 0.0004795728640805687 | 0.06020873749955262 | 0.0008348458439247616 | 0.043139429722446734 | 0.028729639420998765 | 0 | 0.0312852989059494
1100 | Transport | 0.11005579261571428 | 0.10538853833647946 | 0.014729210667718162 | 0.008235512366278735 | 0.027233928421658372 | 0.008539083224114997 | 0 | 0 | 0.03147493005305381
1200 | Immobilier résidentiel | 0.11871874366672218 | 0.22006828146850593 | 0.15029944037579385 | 0.009287206494247002 | 0.08098132052930442 | 0.03731466887719295 | 0.7060237384456877 | 0 | 0.0977529541423768
1300 | Immobilier commercial | 0.13333633114275475 | 0.019525676557440606 | 0.13639112524978478 | 0.10656987314422112 | 0.1282820697055217 | 0.01673817962768858 | 0.231923502593324 | 0 | 0.11638618470487583
1400 | Télécommunications | 0.005933647125675306 | 0 | 0.002234823681266931 | 0.004129902141374815 | 0.004638891549685984 | 0.003872172921525411 | 0 | 0 | 0.0041081627911029065
1500 | Services financiers | 0.010915269673576084 | 0 | 0.031344998459054765 | 0.0638724669713974 | 0.11745179698996838 | 0.18894613886301698 | 0 | 0.15845938799016718 | 0.07832316127768763
1510 | Services professionnels | 0.051884783480782 | 0.01978751019359854 | 0.009925782607021665 | 0.004162330227777749 | 0.00699638884313863 | 0.02055035286547727 | 0 | 0 | 0.014190420410990041
1520 | Services médicaux | 3.9059557067402894e-05 | 0.00029875744724447553 | 0.0002645010800751355 | 0.00013868813890530228 | 0.000521835093762495 | 0.00611232306707421 | 0 | 0 | 0.0007530175174432166
1530 | Services d'agence ou de représentation | 0.00012107072671070435 | 0.0007073769483181859 | 0.0013715463433972667 | 0.0004669127343054163 | 0.0008651342815551422 | 0.0012485478567085834 | 0 | 0 | 0.0006727406007718345
1540 | Services d'enseignement | 0.0017243890932372478 | 0 | 0.0019025310866760414 | 0.005918374475725998 | 0.00030514738155631717 | 0.003490332712436161 | 0 | 0 | 0.0024628642235891987
1550 | Autres services | 0.0024516474653961517 | 0.007890144199093794 | 0.00250793616947199 | 0.02533203984698328 | 0.010051400906930892 | 0.04651356516035622 | 0 | 0 | 0.014932834429955428
1560 | Crédit à la consommation | 0.20080149933098346 | 0.03734441034639007 | 0.1495670450124904 | 0.1292061625041668 | 0.05435874736911549 | 0.031002913698818912 | 0.029239668758849938 | 0.0025599795724634295 | 0.1020708808367376
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Élevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1 | 1.0000000000000004 | 1.0000000000000004 | 0.9999999999999998 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1.0000000000000002
(1) Commerce de gros
Import-export | 0.002331549752562571 | 0.03642571917126134 | 0.07543726238260139 | 0.03636668993869437 | 0.058758193314897726 | 0.013681967483929221 | 0 | 0 | 0.03843897434448533
Produits pétroliers | 0 | 0 | 0.009386787061678364 | 0.0028248734306773123 | 0.0006632403325017024 | 0.012145441136322167 | 0 | 0 | 0.0028554914205061164
Produits pharmaceutiques | 0 | 0 | 0.0016568937019559322 | 0.004798366501469369 | 0.003359029989408582 | 0.0018885204433780384 | 0 | 0 | 0.002754775076535183
Produits alimentaires | 0.026557788267176266 | 0.009990848260940733 | 0.06215346327452168 | 0.0734786845385034 | 0.036421922135361655 | 0.07776893276981853 | 0 | 0.16325285373929369 | 0.05008065579140377
Matériaux de construction | 0 | 0.07823984966650314 | 0.003436293547872837 | 0.014050094555369716 | 0.019739326707805614 | 0.08827093346402376 | 0 | 0 | 0.019192100903822333
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.05819109492139577 | 0.08127070609051465 | 0.013373311570106267 | 0.037661227899969896 | 0.02144944989550886 | 0.013920468156297413 | 0 | 0 | 0.029861221446334827
S-Total | 0.0870804329411346 | 0.20592712318921985 | 0.16544401153873647 | 0.16917993686468405 | 0.14039116237548416 | 0.20767626345376913 | - | 0.16325285373929369 | 0.14318321898308756
(2) Commerce de détail
Produits pétroliers | 0.0013825832184018608 | 0.004029648144338749 | 0.000257746302733787 | 0.0023012062454701595 | 0.0039052527668802027 | 0.00013677412563926433 | 0 | 0 | 0.0022385155526161867
Produits pharmaceutiques | 0.0006483747471206434 | 0 | 0.00011137335658174065 | 0.0006049444679316902 | 9.137824395505453e-05 | 0.0033287608431483862 | 0 | 0 | 0.0005820311996384051
Véhicules automobiles | 0.0010708712727660922 | 0 | 0.010844239898259061 | 0.04265903409813284 | 0.11996470735778962 | 0.03052985742090717 | 0 | 0 | 0.05546427604941587
Produits alimentaires | 0.00015971327783076842 | 0 | 0.033038445162773454 | 0.020461713686513713 | 0.021122764447265154 | 0.01291269210568063 | 0 | 0 | 0.016776238151346903
Librairie ,papeterie | 7.485256754731835e-05 | 0 | 0 | 0.0010145936019119025 | 0.0007045966196695486 | 3.7957666689897596e-07 | 0 | 0 | 0.0005273018884262771
Appareils électro- ménagers électroni.équip. inform. | 0.0017637961552607662 | 0 | 0.004320707554343089 | 0.008065276269156048 | 0.00793236051048164 | 0.032355747714246874 | 0 | 0.04167823194943298 | 0.008571501234249698
Matériaux de construction | 0 | 0 | 0 | 0.006108994341625988 | 0.017263064304132766 | 1.3664760008363135e-05 | 0 | 0 | 0.0074463340319055145
Autres | 0.0027802481518991425 | 0.29832093008682675 | 0.023001706707852402 | 0.06043574735361466 | 0.02707403341925801 | 0.011932119049524943 | 2.2548874497788665e-05 | 0 | 0.03341504324953482
S-Total | 0.007880439390826593 | 0.3023505782311655 | 0.07157421898254353 | 0.141651510064357 | 0.198058157669432 | 0.09120999559582253 | 2.2548874497788665e-05 | 0.04167823194943298 | 0.12502124135713366
[Secteur d'activité sept. 17glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2017
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 1366324 | 680377.85 | 2032353.5899999999 | 8211112.05 | 10748694.739999998 | 2362260.63 | 93.11 | 166452.6 | 25567668.569999997
Services et Autres ( 1500 à 1550 ; 1570 à 1600 ; 900 ; 1000 ) | 1963251 | 39179.920000000006 | 422129.10000000003 | 4230993.1 | 4374044.54 | 2479445.51 | 118631.94 | 128706.57 | 13756381.68
Industries Manufacturières ( 200 à 290 ) | 1135090 | 4409.37 | 1229269.56 | 3608153.2900000005 | 5082705.999999999 | 1776405.3000000003 | 16768.49 | 514998.47 | 13367800.48
Prêts aux Particuliers ( 1560 ) | 2889189 | 49689.64 | 1282488.35 | 3413188.36 | 1726360.63 | 245032.82 | 120737.98 | 2079.31 | 9728766.090000002
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3626640 | 318798.38 | 2458277.5599999996 | 3060550.89 | 6645923.529999999 | 427208.93999999994 | 3873021.1399999997 | 0 | 20410420.439999998
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1668889 | 140227.64 | 145461.03 | 326652.29000000004 | 1012237.8500000001 | 98092.88 | 0 | 0 | 3391560.69
Bâtiments et Travaux Publics ( 600 ) | 991857 | 95544.22 | 622909.05 | 2177656.19 | 1335695.94 | 418275.05 | 0 | 0 | 5641937.45
Électricité, Gaz et Eau ( 300 à 500 ) | 747044 | 2350.69 | 381779.64 | 1373033.1900000002 | 176771.91 | 96820.53 | 0 | 0 | 2777799.9600000004
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.1 | 15267.2 | 656218.5 | 0 | 0 | 0 | 671489.8
Total | 14388284 | 1330577.7100000002 | 8574671.979999999 | 26416606.560000002 | 31758653.64 | 7903541.659999999 | 4129252.6599999997 | 812236.9500000001 | 95313825.16
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.0949608723319612 | 0.511340183205083 | 0.23701823168750535 | 0.3108314473075909 | 0.33844932035979086 | 0.29888633876069176 | 2.2548874497788665e-05 | 0.20493108568872667 | 0.2682472194047447
Services et Autres ( 1500 à 1550 ; 1570 à 1600 ; 900 ; 1000 ) | 0.1364478905198146 | 0.029445796142188493 | 0.04922976657119892 | 0.16016414108262356 | 0.1377276439228801 | 0.3137132208144772 | 0.028729639420998765 | 0.15845938799016715 | 0.14432724378554362
Industries Manufacturières ( 200 à 290 ) | 0.07888988012747038 | 0.003313876346237605 | 0.14336053470817436 | 0.13658655519605847 | 0.16004160811144508 | 0.22476066761189192 | 0.004060901906641867 | 0.6340495467486427 | 0.14025038295923953
Prêts aux Particuliers ( 1560 ) | 0.20080149933098346 | 0.03734441034639006 | 0.1495670450124904 | 0.12920616250416683 | 0.05435874736911548 | 0.03100291369881892 | 0.029239668758849938 | 0.002559979572463429 | 0.1020708808367376
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.2520550748094769 | 0.23959395802594646 | 0.2866905656255786 | 0.11585707963846814 | 0.20926339023482607 | 0.05405284850488154 | 0.9379472410390116 | 0 | 0.2141391388472526
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.11598943974138959 | 0.10538853833647942 | 0.016964034348985094 | 0.012365414507653553 | 0.031872819971344356 | 0.01241125614564041 | 0 | 0 | 0.035583092844156713
Bâtiments et Travaux Publics ( 600 ) | 0.06893504465160682 | 0.07180656889254516 | 0.07264523371306854 | 0.08243512220443198 | 0.042057700403196306 | 0.05292248310866752 | 0 | 0 | 0.05919327485313989
Électricité, Gaz et Eau ( 300 à 500 ) | 0.051920298487297026 | 0.0017666687051295935 | 0.04452411018059726 | 0.05197613807365574 | 0.005566102140342496 | 0.012250271354930772 | 0 | 0 | 0.029143725533384107
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.781524015802643e-07 | 0.0005779394853507633 | 0.02066266748705913 | 0 | 0 | 0 | 0.007045040935801218
Total | 1.0000000000000002 | 0.9999999999999998 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1
[Secteur d'activité juin 17 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2017 | AU30 JUIN 2017
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 33.00083 | 3407.688 | 724989.1 | 0 | 0 | 0 | 0 | 728429.78883
200 | Industrie alimentaire | 609570 | 9972.45242 | 371053.16452 | 48864.158 | 1724057.33 | 523157.321 | 43416.32 | 135436.28663 | 0 | 3465527.03257
210 | Industrie des boissons | 1307 | 0 | 3027.3905600000003 | 849453.487 | 2600850.86 | 203609.831 | 0 | 71400 | 0 | 3729648.5685599996
220 | Industrie du bois | 27907 | 0 | 0 | 817.606 | 0 | 31393.975 | 0 | 0 | 0 | 60118.581
230 | Industrie chimique | 0 | 0 | 14168.43999 | 404534.91 | 91629.49 | 62229.462 | 0 | 130125.0597 | 0 | 702687.3616899999
240 | Industrie du textile | 59082 | 0 | 250866.77469999998 | 696720.091 | 9880.72 | 61351.985 | 0 | 0 | 0 | 1077901.5707
250 | Industrie pharmacie | 0 | 0 | 59866.315729999995 | 708.214 | 22889.06 | 165573.769 | 0 | 0 | 0 | 249037.35872999998
260 | Imprimerie, édition | 99127 | 0 | 6327.462219999999 | 141081.008 | 108963.26 | 82874.736 | 0 | 0 | 0 | 438373.46622000006
270 | Sidérurgie, aciérie | 317516 | 0 | 129658.77097 | 386674.73 | 81786.02 | 282135.054 | 0 | 0 | 0 | 1197770.57497
280 | Industrie de la fabrication | 54661 | 3160.19415 | 275856.32536 | 1226333.304 | 730077.65 | 121965.937 | 0 | 0 | 0 | 2412054.41051
290 | Autres industries | 0 | 0 | 18155.116710000002 | 4660.112 | 120219.35 | 86933.632 | 0 | 0 | 0 | 229968.21071
300 | Production et distribution de l'électricité | 364177 | 0 | 223889.13402 | 1487434.441 | 124703.2 | 3823.731 | 0 | 173337.448 | 0 | 2377364.95402
400 | Production et distribution de gaz | 0 | 900.74772 | 0 | 4816.642 | 240.09 | 96366.808 | 0 | 0 | 0 | 102324.28772000001
500 | Traitement et distribution de l'eau | 0 | 2379.72675 | 308654.47486 | 22457.285 | 39184.68 | 10.434 | 0 | 0 | 0 | 372686.60060999996
600 | Entrep/ batiment et corps/ métiers corresp. | 1012458 | 100290.20122999999 | 669821.15472 | 1796279.962 | 1142739.8 | 335208.827 | 0 | 0 | 0 | 5056797.944949999
700 | Commerce de gros(1) | 987894 | 266702.50534000003 | 1494230.10228 | 4226547.857 | 3696800.26 | 1285858.518 | 0 | 132600 | 0 | 12090633.242619999
800 | Commerce de détail(2) | 116979 | 406132.4997 | 329560.08626999997 | 4107586.302 | 3986175.3 | 609134.5 | 220.68 | 44893.152 | 0 | 9600681.519970002
900 | Rest/débits/boissons, casinos/activités/loterie | 95929 | 1126.51548 | 14313.146279999999 | 2278.352 | 22559.24 | 32921.555 | 0 | 0 | 0 | 169127.80875999999
1000 | Hotels,motels et pensions | 824739 | 0 | 4176.98035 | 1600853.994 | 30806.5 | 341924.623 | 309105.4 | 0 | 0 | 3111606.49735
1100 | Transport | 1577751 | 143148.1405 | 139417.12642 | 275079.046 | 911747.53 | 69870.234 | 0 | 0 | 0 | 3117013.07692
1200 | Immobilier résidentiel / Avance Hypothécaire | 1593406 | 298031.35456999997 | 1214025.8549000002 | 229209.937 | 2691718.91 | 337077.682 | 2667528.76 | 0 | 0 | 9030998.49847
1300 | Immobilier commercial | 1957568 | 26547.4025 | 920305.7325299999 | 1477381.976 | 4065714.14 | 144639.911 | 956784.02 | 0 | 0 | 9548941.18203
1400 | Télécommunications | 98110 | 0 | 19090.70193 | 123031.754 | 167269.05 | 32574.53 | 0 | 0 | 0 | 440076.03593
1500 | Services financiers | 82268 | 0 | 113665.87138 | 1637522.969 | 3562884.73 | 1558213.491 | 0 | 118623.69665000001 | 0 | 7073178.758030001
1510 | Services professionnels | 773411 | 26514.18563 | 70716.96675 | 111139.543 | 248781.66 | 146381.1 | 0 | 0 | 0 | 1376944.45538
1520 | Services médicaux | 0 | 500.01556 | 4511.57466 | 1788.5 | 14886.98 | 45770.503 | 0 | 0 | 0 | 67457.57321999999
1530 | Services d'agence ou de représentation | 896 | 941.2188100000001 | 8.02929 | 11909.261 | 25005.99 | 1450.141 | 0 | 0 | 0 | 40210.640100000004
1540 | Services d'enseignement | 23517 | 0 | 15569.11289 | 129217.094 | 12500.25 | 17408.36 | 0 | 0 | 0 | 198211.81689000002
1550 | Autres services | 339871 | 10341.215380000001 | 19119.24896 | 1885328.328 | 325091.95 | 381844.191 | 0 | 0 | 0 | 2961595.9333400005
1560 | Crédit à la consommation | 2957133 | 62276.44992 | 1175159.4515999998 | 2033751.011 | 1833236.36 | 189121.917 | 89433.7 | 3208.9697 | 0 | 8343320.859220001
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0
Total | 13975277 | 1358964.8256599999 | 7865247.5116799995 | 24926869.562000006 | 29117389.459999997 | 7250826.757999999 | 4066488.88 | 809624.61268 | 0 | 89370688.61002
(1) Commerce de gros
Import-export | 49739 | 36742.859079999995 | 731204.49127 | 829095.211 | 1499586.78 | 128551 | 0 | 0 | 0 | 3274919.3413500004
Produits pétroliers | 0 | 0 | 82156.21687 | 0 | 6225.5 | 83036 | 0 | 0 | 0 | 171417.71687
Produits pharmaceutiques | 0 | 0 | 11928.65419 | 0 | 112608.9 | 15850 | 0 | 0 | 0 | 140387.55419
Produits alimentaires | 759826 | 13664.00651 | 520685.40427999996 | 1935565.17 | 945829.52 | 505682 | 0 | 132600 | 0 | 4813852.10079
Matériaux de construction | 0 | 103596.16662999999 | 35617.69318 | 0 | 673613.14 | 440618 | 0 | 0 | 0 | 1253444.99981
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 178329 | 112699.47312000001 | 112637.64249 | 1461887.477 | 458936.43 | 112121 | 0 | 0 | 0 | 2436611.02261
S-Total | 987894 | 266702.50534000003 | 1494230.10228 | 4226547.858 | 3696800.2700000005 | 1285858 | - | 132600 | 0 | 12090632.735619998
(2) Commerce de détail
Produits pétroliers | 21023 | 5456.08876 | 2346.23014 | 135878.049 | 132821.41 | 16887 | 0 | 0 | 314411.7779
Produits pharmaceutiques | 10132 | 0 | 1378.041 | 2918.275 | 2608.75 | 22571 | 0 | 0 | 0 | 39608.066
Véhicules automobiles | 16750 | 0 | 121821.91031 | 1136821.984 | 1772200 | 173620 | 0 | 0 | 0 | 3221213.89431
Produits alimentaires | 2629 | 0 | 64379.304509999994 | 896311.734 | 544816.54 | 96606 | 0 | 0 | 0 | 1604742.5785100001
Librairie ,papeterie | 1083 | 0 | 0 | 34696.289 | 25067.93 | 12906 | 0 | 0 | 0 | 73753.219
Appareils électro- ménagers électroni.équip. inform. | 25799 | 0 | 36362.946200000006 | 543477.312 | 276184.12 | 197742 | 0 | 44893.152 | 0 | 1124458.5302000002
Matériaux de construction | 0 | 0 | 7904.55363 | 166653.601 | 509612.29 | 363 | 0 | 0 | 0 | 684533.44463
Autres | 39564 | 400676.41094 | 95367.10048000001 | 1190829.058 | 722864.25 | 88439 | 220.68 | 0 | 0 | 2537960.4994200002
S-Total | 116980 | 406132.4997 | 329560.08627 | 4107586.301999999 | 3986175.2900000005 | 609134 | 220.68 | 44893.152 | 0 | 9600682.00997
[Secteur d'activité juin 17 % ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2017
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 4.195777685443887e-06 | 0.00013670741893698842 | 0.024898835831280598 | 0 | 0 | 0 | #DIV/0! | 0.008150656553723034
200 | Industrie alimentaire | 0.043617740099176565 | 0.007338271183845205 | 0.04717628580270119 | 0.001960300625734866 | 0.05921057354294839 | 0.07215140265526118 | 0.010676611022725827 | 0.16728281787491864 | #DIV/0! | 0.038776998213499884
210 | Industrie des boissons | 9.352229655269087e-05 | 0 | 0.0003849072207205538 | 0.03407782452935675 | 0.08932294097219524 | 0.0280809123973832 | 0 | 0.08818901856707818 | #DIV/0! | 0.041732346774620704
220 | Industrie du bois | 0.0019968834964773866 | 0 | 0 | 3.280018768367155e-05 | 0 | 0.004329709707291286 | 0 | 0 | #DIV/0! | 0.0006726879017608875
230 | Industrie chimique | 0 | 0 | 0.0018013978541628441 | 0.016228869373019743 | 0.0031468992138143424 | 0.008582395370478385 | 0 | 0.16072270736590274 | #DIV/0! | 0.007862615502004944
240 | Industrie du textile | 0.004227608511802664 | 0 | 0.03189559824118178 | 0.027950565122791083 | 0.00033934086067618233 | 0.008461377860436258 | 0 | 0 | #DIV/0! | 0.012061018970140829
250 | Industrie pharmacie | 0 | 0 | 0.007611498003222111 | 2.841167031578018e-05 | 0.0007860958837482267 | 0.022835157220839508 | 0 | 0 | #DIV/0! | 0.0027865664078824005
260 | Imprimerie, édition | 0.007093025776877267 | 0 | 0.000804483547479419 | 0.0056597964557519986 | 0.003742205672307548 | 0.011429694677032858 | 0 | 0 | #DIV/0! | 0.004905114563152765
270 | Sidérurgie, aciérie | 0.022719835893056 | 0 | 0.016485021072439866 | 0.015512366245518041 | 0.0028088376573852376 | 0.03891074265272082 | 0 | 0 | #DIV/0! | 0.01340227532761462
280 | Industrie de la fabrication | 0.003911264155980593 | 0.00232544219712619 | 0.035072809209163426 | 0.04919724480243179 | 0.02507359566017908 | 0.016820969672931747 | 0 | 0 | #DIV/0! | 0.026989323323168026
290 | Autres industries | 0 | 0 | 0.0023082702334592023 | 0.00018695135337427811 | 0.004128781880159665 | 0.011989478565886873 | 0 | 0 | #DIV/0! | 0.0025731950182625828
300 | Production et distribution de l'électricité | 0.026058660590412626 | 0 | 0.028465618365794795 | 0.05967193101806627 | 0.0042827740505827615 | 0.0005273510356293083 | 0 | 0.21409607030871075 | #DIV/0! | 0.026601170820042853
400 | Production et distribution de gaz | 0 | 0.000662819009728629 | 0 | 0.00019323092247984375 | 8.245588098817154e-06 | 0.013290457932080137 | 0 | 0 | #DIV/0! | 0.0011449423665795464
500 | Traitement et distribution de l'eau | 0 | 0.0017511319682937732 | 0.03924281777549199 | 0.000900926806879722 | 0.0013457483904534071 | 1.4390083156362733e-06 | 0 | 0 | #DIV/0! | 0.004170121170669993
600 | Entrep/ batiment et corps/ métiers corresp. | 0.07244636367493824 | 0.07379896766738807 | 0.08516212029250274 | 0.07206199549173858 | 0.039245956495167204 | 0.04623042836186323 | 0 | 0 | #DIV/0! | 0.05658228691753691
700 | Commerce de gros(1) | 0.07068868831723335 | 0.19625416368703458 | 0.18997877689939802 | 0.16955790804326265 | 0.1269619402205846 | 0.17733957256409189 | 0 | 0.16377960591028803 | #DIV/0! | 0.13528633862696265
800 | Commerce de détail(2) | 0.008370424428796652 | 0.2988543132474059 | 0.04190079025238542 | 0.164785485469136 | 0.13690016082918446 | 0.08400897171180215 | 5.4267946258345606e-05 | 0.05544934195045746 | #DIV/0! | 0.10742539493976327
900 | Rest/débits/boissons, casinos/activités/loterie | 0.006864193103292336 | 0.0008289511683666223 | 0.0018197960405880148 | 9.140144912032012e-05 | 0.0007747686320228244 | 0.004540386372309462 | 0 | 0 | #DIV/0! | 0.0018924304085650497
1000 | Hotels,motels et pensions | 0.059014143333259154 | 0 | 0.0005310678835977033 | 0.06422202314728025 | 0.0010580103701370762 | 0.04715663943049624 | 0.0760128477223329 | 0 | #DIV/0! | 0.0348168571345341
1100 | Transport | 0.11289586603542813 | 0.10533616308316013 | 0.017725713807857115 | 0.011035442910944049 | 0.03131281845347135 | 0.009636174788331635 | 0 | 0 | #DIV/0! | 0.034877353250812135
1200 | Immobilier résidentiel | 0.11401605850102291 | 0.21930762955932798 | 0.15435316601253238 | 0.009195295720142138 | 0.09244368949001242 | 0.046488172073356274 | 0.6559783731659927 | 0 | #DIV/0! | 0.10105101167876053
1300 | Immobilier commercial | 0.14007364576745063 | 0.01953501812462798 | 0.11700912541701115 | 0.05926865274138588 | 0.13963182192501403 | 0.019948057763263416 | 0.23528504521571444 | 0 | #DIV/0! | 0.10684645413999191
1400 | Télécommunications | 0.007020254410699695 | 0 | 0.0024272220170630417 | 0.004935708180041865 | 0.005744644458246705 | 0.004492526312818023 | 0 | 0 | #DIV/0! | 0.004924165213164307
1500 | Services financiers | 0.005886681172759581 | 0 | 0.014451658541095449 | 0.065693085324133 | 0.12236278032048552 | 0.21490149234096487 | 0 | 0.14651691017314147 | #DIV/0! | 0.07914427949520102
1510 | Services professionnels | 0.05534137176672777 | 0.019510575350707125 | 0.008991066923829715 | 0.004458624165524085 | 0.008544092194177082 | 0.020188194379143657 | 0 | 0 | #DIV/0! | 0.015407114757596494
1520 | Services médicaux | 0 | 0.0003679385592317745 | 0.0005736087330119301 | 7.174988401778678e-05 | 0.0005112745433601107 | 0.006312452983309852 | 0 | 0 | #DIV/0! | 0.0007548064613707903
1530 | Services d'agence ou de représentation | 6.411321936588448e-05 | 0.0006925998320397176 | 1.0208566212412762e-06 | 0.0004777680153690531 | 0.0008587991734063925 | 0.00019999664154160448 | 0 | 0 | #DIV/0! | 0.00044993096422770205
1540 | Services d'enseignement | 0.0016827573435574837 | 0 | 0.0019794816204931447 | 0.005183847641943222 | 0.00042930531314190146 | 0.0024008793177678627 | 0 | 0 | #DIV/0! | 0.0022178615827267672
1550 | Autres services | 0.024319446405248354 | 0.007609626963654228 | 0.002430851531577062 | 0.07563438013388195 | 0.011164872814116628 | 0.0526621589156992 | 0 | 0 | #DIV/0! | 0.03313833628678066
1560 | Crédit à la consommation | 0.211597451699884 | 0.04582638839806217 | 0.1494116300669333 | 0.08158870514973811 | 0.0629601895636423 | 0.026082807286953523 | 0.021992854926975725 | 0.00396352784950268 | #DIV/0! | 0.09335634522888268
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Total | 0.9999999999999998 | 1 | 1 | 0.9999999999999998 | 1 | 1.0000000000000002 | 1 | 1 | #DIV/0! | 1
(1) Commerce de gros
Import-export | 0.003559070779062197 | 0.02703738786039243 | 0.0929664947204969 | 0.033261104405341045 | 0.05150141574539355 | 0.017729150659704675 | 0 | 0 | #DIV/0! | 0.03664422186160514
Produits pétroliers | 0 | 0 | 0.010445471264317736 | 0 | 0.00021380694201835225 | 0.011451935451137972 | 0 | 0 | #DIV/0! | 0.001918052994063885
Produits pharmaceutiques | 0 | 0 | 0.0015166279474721914 | 0 | 0.0038674105779536463 | 0.0021859576195931507 | 0 | 0 | #DIV/0! | 0.0015708456136284052
Produits alimentaires | 0.05436929801105195 | 0.010054716834458086 | 0.06620076526603581 | 0.07764974920680333 | 0.03248332139456846 | 0.06974128839060591 | 0 | 0.16377960591028803 | #DIV/0! | 0.053863880604029316
Matériaux de construction | 0 | 0.07623167625378906 | 0.004528489806214902 | 0 | 0.023134393312469713 | 0.06076796684100283 | 0 | 0 | #DIV/0! | 0.014025236006399834
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Autres | 0.012760319527119212 | 0.082930382738395 | 0.01432092789486047 | 0.05864705447123564 | 0.015761592591618273 | 0.01546320216191821 | 0 | 0 | #DIV/0! | 0.02726409587423514
S-Total | 0.07068868831723335 | 0.19625416368703458 | 0.189978776899398 | 0.16955790808338 | 0.126961940564022 | 0.17733950112396274 | - | 0.16377960591028803 | #DIV/0! | 0.13528633295396172
(2) Commerce de détail
Produits pétroliers | 0.0015042993423314615 | 0.004014885931539969 | 0.000298303408318151 | 0.00545106751820696 | 0.004561583729285325 | 0.002328975793190507 | 0 | 0 | #DIV/0! | 0.0035180637274931886
Produits pharmaceutiques | 0.0007249945743472562 | 0 | 0.00017520631079360062 | 0.00011707346535197468 | 8.959422696817548e-05 | 0.003112886399484984 | 0 | 0 | #DIV/0! | 0.00044318855114605497
Véhicules automobiles | 0.0011985451164939342 | 0 | 0.01548863022162911 | 0.04560628767171946 | 0.06086397279655029 | 0.023944855641246866 | 0 | 0 | #DIV/0! | 0.03604329276644788
Produits alimentaires | 0.0001881179170903017 | 0 | 0.008185286529685918 | 0.03595765331746232 | 0.018711036604034902 | 0.01332344617024706 | 0 | 0 | #DIV/0! | 0.0179560279043221
Librairie ,papeterie | 7.749399171121975e-05 | 0 | 0 | 0.001391923238243003 | 0.0008609264245490504 | 0.0017799349551084669 | 0 | 0 | #DIV/0! | 0.000825250651495271
Appareils électro- ménagers électroni.équip. inform. | 0.0018460456991299706 | 0 | 0.004623242453082441 | 0.021802870619121343 | 0.009485195105811523 | 0.02727164868224535 | 0 | 0.05544934195045746 | #DIV/0! | 0.012581961129411382
Matériaux de construction | 0 | 0 | 0.0010049974420082307 | 0.006685701170196541 | 0.017501991059331732 | 5.006325652443619e-05 | 0 | 0 | #DIV/0! | 0.007659484952801986
Autres | 0.0028309993426248368 | 0.29483942731586593 | 0.012125123886867968 | 0.04777290846883438 | 0.024825860539216076 | 0.01219709185610086 | 0 | 0 | #DIV/0! | 0.028398130739427367
S-Total | 0.00837049598372898 | 0.2988543132474059 | 0.04190079025238542 | 0.16478548546913596 | 0.13690016048574707 | 0.08400890275414853 | - | 0.05544934195045746 | #DIV/0! | 0.10742540042254523
[Secteur d'activité juin 17 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2017
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 1104873 | 672835.00504 | 1823790.18855 | 8334134.159 | 7682975.56 | 1894993.018 | 220.68 | 177493.152 | 0 | 21691314.76259
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2140631 | 39423.15086 | 242080.93056 | 5380038.041 | 4242517.300000001 | 2525913.9639999997 | 309105.4 | 118623.69665000001 | 0 | 14998333.483070001
Industries Manufacturières ( 200 à 290 ) | 1169170 | 13132.646569999999 | 1128979.76076 | 3759847.62 | 5490353.739999998 | 1621225.7019999998 | 43416.32 | 336961.34633 | 0 | 13563087.135659998
Prêts aux Particuliers ( 1560 ) | 2957133 | 62276.44992 | 1175159.4515999998 | 2033751.011 | 1833236.36 | 189121.917 | 89433.7 | 3208.9697 | 0 | 8343320.859220001
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3550974 | 324578.75707 | 2134331.5874300003 | 1706591.913 | 6757433.050000001 | 481717.593 | 3624312.78 | 0 | 0 | 18579939.6805
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1675861 | 143148.1405 | 158507.82835 | 398110.8 | 1079016.58 | 102444.764 | 0 | 0 | 0 | 3557089.11285
Bâtiments et Travaux Publics ( 600 ) | 1012458 | 100290.20122999999 | 669821.15472 | 1796279.962 | 1142739.8 | 335208.827 | 0 | 0 | 0 | 5056797.944949999
Électricité, Gaz et Eau ( 300 à 500 ) | 364177 | 3280.4744699999997 | 532543.60888 | 1514708.368 | 164127.97 | 100200.973 | 0 | 173337.448 | 0 | 2852375.8423499996
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 33.00083 | 3407.688 | 724989.1 | 0 | 0 | 0 | 0 | 728429.78883
Total | 13975277 | 1358964.82566 | 7865247.51168 | 24926869.562000003 | 29117389.459999997 | 7250826.758 | 4066488.88 | 809624.6126799999 | 0 | 89370688.61002
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.07905911274603 | 0.4951084769344404 | 0.23187956715178343 | 0.33434339351239867 | 0.26386210104976904 | 0.261348544275894 | 5.4267946258345606e-05 | 0.21922894786074554 | #DIV/0! | 0.2427117335667259
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.15317270634421057 | 0.029009691873999464 | 0.030778552130814256 | 0.2158328797612697 | 0.14570390336084754 | 0.34836220038123267 | 0.0760128477223329 | 0.14651691017314147 | #DIV/0! | 0.16782161709100257
Industries Manufacturières ( 200 à 290 ) | 0.08365988022992317 | 0.009663713380971392 | 0.14354027118453036 | 0.15083513036597804 | 0.18855927134341385 | 0.22359184078026206 | 0.010676611022725827 | 0.4161945438078996 | #DIV/0! | 0.15176214200210764
Prêts aux Particuliers ( 1560 ) | 0.211597451699884 | 0.04582638839806216 | 0.14941163006693328 | 0.08158870514973812 | 0.0629601895636423 | 0.026082807286953523 | 0.021992854926975725 | 0.00396352784950268 | #DIV/0! | 0.09335634522888268
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.25408970426847355 | 0.23884264768395594 | 0.27136229142954355 | 0.06846394846152803 | 0.23207551141502647 | 0.06643622983661969 | 0.8912634183817072 | 0 | #DIV/0! | 0.20789746581875246
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.11991612044612783 | 0.1053361630831601 | 0.020152935824920157 | 0.015971151090985916 | 0.037057462911718055 | 0.014128701101149657 | 0 | 0 | #DIV/0! | 0.03980151846397644
Bâtiments et Travaux Publics ( 600 ) | 0.07244636367493824 | 0.07379896766738805 | 0.08516212029250274 | 0.07206199549173858 | 0.039245956495167204 | 0.046230428361863224 | 0 | 0 | #DIV/0! | 0.05658228691753691
Électricité, Gaz et Eau ( 300 à 500 ) | 0.026058660590412626 | 0.0024139509780224016 | 0.06770843614128677 | 0.06076608874742584 | 0.005636768029134986 | 0.01381924797602508 | 0 | 0.2140960703087108 | #DIV/0! | 0.031916234357292385
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.195777685443887e-06 | 0.00013670741893698844 | 0.024898835831280598 | 0 | 0 | 0 | #DIV/0! | 0.008150656553723034
Total | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999998 | 1 | 1 | 0.9999999999999998 | 1 | 1 | #DIV/0! | 0.9999999999999999
[Secteur d'activité mars 17 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 mars 2017
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 23.25581 | 4066.628 | 714465.13 | 2.199 | 0 | 0 | 0 | 718557.21281
200 | Industrie alimentaire | 523212 | 9972.45242 | 464970.92687 | 55414.358 | 1913902.01 | 386914.111 | 44995.29 | 184954.59248 | 0 | 3584335.7407700005
210 | Industrie des boissons | 1331 | 0 | 3055.86105 | 834659.013 | 2718960.41 | 333050.647 | 0 | 71400 | 0 | 3962456.93105
220 | Industrie du bois | 44017 | 0 | 0 | 1051.747 | 0 | 991.602 | 0 | 0 | 0 | 46060.349
230 | Industrie chimique | 0 | 0 | 222109.5366 | 433994.653 | 61440.75 | 55546.066 | 0 | 119166.13831000001 | 0 | 892257.1439099999
240 | Industrie du textile | 64303 | 0 | 247815.51309 | 730422.098 | 5284.23 | 217422.907 | 0 | 0 | 0 | 1265247.74809
250 | Industrie pharmacie | 0 | 0 | 47148.35615 | 800.878 | 7628.26 | 31600.515 | 0 | 0 | 0 | 87178.00915
260 | Imprimerie, édition | 41967 | 0 | 5263.05221 | 118588.597 | 76742.56 | 46702.109 | 0 | 0 | 0 | 289263.31821
270 | Sidérurgie, aciérie | 347036 | 0 | 111607.91109000001 | 422318.217 | 28183.54 | 318281.09 | 0 | 0 | 0 | 1227426.7580900001
280 | Industrie de la fabrication | 55908 | 3394.46677 | 321179.81545999995 | 1171284.903 | 292027.96 | 181265.127 | 0 | 0 | 0 | 2025060.27223
290 | Autres industries | 0 | 0 | 21251.54249 | 5416.283 | 80611.15 | 68902.872 | 0 | 0 | 0 | 176181.84749000001
300 | Production et distribution de l'électricité | 296388 | 0 | 306439.91486 | 1339357.622 | 138704.6 | 876.901 | 0 | 154999.488 | 0 | 2236766.52586
400 | Production et distribution de gaz | 0 | 1185.8063 | 6.80819 | 6298.239 | 0.07 | 110875.898 | 0 | 0 | 0 | 118366.82149
500 | Traitement et distribution de l'eau | 0 | 3798.0301600000003 | 319352.14338 | 25944.744 | 39538.65 | 5.978 | 0 | 0 | 0 | 388639.5455400001
600 | Entrep/ batiment et corps/ métiers corresp. | 990669 | 101380.83197 | 713296.4208600001 | 2521120.108 | 821369.71 | 356060.85931 | 0 | 0 | 0 | 5503896.93014
700 | Commerce de gros(1) | 1089800 | 292766.93299 | 1184121.93706 | 3828757.024 | 3541554.01 | 1370639.3369200001 | 0 | 132600 | 0 | 11440239.24097
800 | Commerce de détail(2) | 126197 | 444857.24362 | 339706.2093800001 | 4398770.173 | 4303131.71 | 554792.245 | 405.82 | 87187.212 | 0 | 10255047.612999998
900 | Rest/débits/boissons, casinos/activités/loterie | 103048 | 1198.96598 | 16240.107800000002 | 2425.967 | 21114.32 | 34803.577 | 0 | 0 | 0 | 178830.93777999998
1000 | Hotels,motels et pensions | 757020 | 0 | 4350.06168 | 1724013.987 | 35129.74 | 924164.178 | 312725.91000000003 | 0 | 0 | 3757403.87668
1100 | Transport | 1682081 | 151023.80558000001 | 163931.50694999998 | 266738.96 | 995635.39 | 55721.531 | 0 | 0 | 0 | 3315132.1935300003
1200 | Immobilier résidentiel / Avance Hypothécaire | 1511434 | 310319.12106 | 1152123.3084500001 | 239667.465 | 1904251.69 | 344674.54 | 2635371.2899999996 | 0 | 0 | 8097841.4145100005
1300 | Immobilier commercial | 1848627 | 28082.340170000003 | 805056.85733 | 1854782.489 | 4649712.84 | 175311.469 | 1114063.6 | 0 | 0 | 10475636.5955
1400 | Télécommunications | 192710 | 0 | 2938.3977200000004 | 113027.28 | 144004.78 | 37532.952 | 0 | 0 | 0 | 490213.40972000005
1500 | Services financiers | 72402 | 98560.46883 | 204117.46637 | 1303982.227 | 2477238.61 | 1492414.609 | 0 | 192546.40399000002 | 0 | 5841261.785189999
1510 | Services professionnels | 885078 | 27616.084059999997 | 68746.83884 | 111606.882 | 253282.38 | 170984.052 | 0 | 0 | 0 | 1517314.2369000001
1520 | Services médicaux | 0 | 726.99936 | 5303.1562699999995 | 1764.553 | 15148.5 | 43153.913 | 0 | 0 | 0 | 66097.12163000001
1530 | Services d'agence ou de représentation | 197 | 941.2188100000001 | 24.3436 | 11741.925 | 16999.53 | 25457.8691 | 0 | 0 | 0 | 55361.88651
1540 | Services d'enseignement | 19646 | 0 | 14784.77707 | 108118.604 | 4931.29 | 18782.085 | 0 | 0 | 0 | 166262.75607
1550 | Autres services | 410555 | 16261.32726 | 8530.9971 | 682177.252 | 311839.48 | 345835.75 | 0 | 0 | 0 | 1775199.8063599998
1560 | Crédit à la consommation | 2912302 | 81983.70218000001 | 1176141.23645 | 3177463.831 | 1498009.87 | 229363.929 | 173740.22 | 4338.44254 | 0 | 9253343.23117
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0
Total | 13975928 | 1574069.79752 | 7929638.260180001 | 25495776.707000002 | 27070843.17 | 7932130.917330001 | 4281302.13 | 947192.2773200001 | 0 | 89206881.25935
(1) Commerce de gros
Import-export | 72728 | 38183.3037 | 666032.88226 | 724339.424 | 1583283.47 | 72806 | 0 | 0 | 0 | 3157373.07996
Produits pétroliers | 0 | 0 | 83198.24827 | 79168.312 | 6500 | 91439 | 0 | 0 | 0 | 260305.56027000002
Produits pharmaceutiques | 0 | 0 | 13546.61458 | 138099.056 | 106996.22 | 12345 | 0 | 132600 | 0 | 403586.89058
Produits alimentaires | 851929 | 14220.03849 | 341582.52309 | 1728509.078 | 1082427.61 | 516619 | 0 | 0 | 0 | 4535287.2495800005
Matériaux de construction | 0 | 114106.28513 | 44988.68958 | 431752.057 | 341807.83 | 502303 | 0 | 0 | 0 | 1434957.86171
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 165143 | 126257.30567 | 34772.97928 | 726889.096 | 420538.88 | 175128 | 0 | 0 | 0 | 1648729.26095
S-Total | 1089800 | 292766.93299 | 1184121.9370600001 | 3828757.023 | 3541554.01 | 1370640 | - | 132600 | 0 | 11440239.903050002
(2) Commerce de détail
Produits pétroliers | 22734 | 6200.22997 | 2476.4245699999997 | 147369.864 | 120955.58 | 21242 | 0 | 0 | 320978.09854
Produits pharmaceutiques | 7326 | 0 | 989.3670400000001 | 10516.502 | 1108.99 | 23402 | 0 | 0 | 0 | 43342.85904
Véhicules automobiles | 16787 | 0 | 145359.40511000002 | 1422244.901 | 1877548.64 | 121303 | 0 | 0 | 0 | 3583242.94611
Produits alimentaires | 1951 | 0 | 92111.01670000001 | 903080.429 | 672661.29 | 106597 | 0 | 0 | 0 | 1776400.7357
Librairie ,papeterie | 1139 | 0 | 0 | 32795.299 | 24650.85 | 14356 | 0 | 0 | 0 | 72941.149
Appareils électro- ménagers électroni.équip. inform. | 29230 | 0 | 40828.98966 | 321399.463 | 337126.19 | 188066 | 0 | 87187.212 | 0 | 1003837.85466
Matériaux de construction | 0 | 0 | 12379.362539999998 | 172785.243 | 373019.59 | 41 | 0 | 0 | 0 | 558225.19554
Autres | 47030 | 434149.11415 | 45561.64376 | 1388578.472 | 896060.59 | 79785 | 0 | 0 | 0 | 2891164.81991
S-Total | 126197 | 440349.34411999997 | 339706.20938 | 4398770.173 | 4303131.72 | 554792 | - | 87187.212 | 0 | 10250133.6585
[Secteur d'activité mars 17 %]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2017
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 2.9327706052851012e-06 | 0.00015950202446209398 | 0.026392422486188855 | 2.772268918552085e-07 | 0 | 0 | #DIV/0! | 0.008054952742053027
200 | Industrie alimentaire | 0.03743665536914615 | 0.006335457573553558 | 0.05863709183367531 | 0.002173472047422885 | 0.07069975611697948 | 0.048778079312165136 | 0.010509720789081523 | 0.19526615335517014 | #DIV/0! | 0.04018003645200092
210 | Industrie des boissons | 9.52351786586193e-05 | 0 | 0.0003853720623481042 | 0.03273714790461119 | 0.10043870421491567 | 0.04198753783455035 | - | 0.0753806821588751 | #DIV/0! | 0.044418736257912664
220 | Industrie du bois | 0.0031494867460679535 | 0 | 0 | 4.125181248984022e-05 | 0 | 0.00012501079600609754 | - | 0 | #DIV/0! | 0.0005163317935764322
230 | Industrie chimique | 0 | 0 | 0.02801004652574885 | 0.017022217365154614 | 0.0022696282348563432 | 0.007002666317400761 | - | 0.12580987109309047 | #DIV/0! | 0.010002111174764112
240 | Industrie du textile | 0.0046009824893202085 | 0 | 0.03125180556273883 | 0.028648748629786152 | 0.0001952000522043584 | 0.027410403240442957 | - | 0 | #DIV/0! | 0.01418329763610457
250 | Industrie pharmacie | 0 | 0 | 0.00594583946997473 | 3.141218285694017e-05 | 0.0002817887847857529 | 0.003983862007491539 | - | 0 | #DIV/0! | 0.0009772565515046817
260 | Imprimerie, édition | 0.0030028059675178635 | 0 | 0.0006637190799017016 | 0.004651303561481257 | 0.0028348788221360744 | 0.005887712833630359 | - | 0 | #DIV/0! | 0.003242612163169661
270 | Sidérurgie, aciérie | 0.02483098081215072 | 0 | 0.014074779634079618 | 0.016564242064610265 | 0.0010411031464004452 | 0.04012554675624734 | - | 0 | #DIV/0! | 0.013759328212826076
280 | Industrie de la fabrication | 0.004000306813257767 | 0.0021564906304333497 | 0.0405037159226869 | 0.04594034990424188 | 0.010787545780015688 | 0.02285200898587978 | - | 0 | #DIV/0! | 0.022700718191711787
290 | Autres industries | 0 | 0 | 0.002680014118262892 | 0.00021243843881457164 | 0.0029777849730714535 | 0.00868655254409153 | - | 0 | #DIV/0! | 0.0019749804611797696
300 | Production et distribution de l'électricité | 0.021207035411172696 | 0 | 0.03864487947689103 | 0.052532528716109764 | 0.005123763568388328 | 0.00011055049508627748 | - | 0.16364099635457108 | #DIV/0! | 0.025073923606376034
400 | Production et distribution de gaz | 0 | 0.0007533378137794637 | 8.585751047671946e-07 | 0.00024703067776204616 | 2.5858078952477638e-09 | 0.01397807211650529 | - | 0 | #DIV/0! | 0.0013268799426568191
500 | Traitement et distribution de l'eau | 0 | 0.0024128727747549216 | 0.04027322973655431 | 0.0010176094769796416 | 0.0014605621905348285 | 7.536436377946505e-07 | - | 0 | #DIV/0! | 0.004356609490809497
600 | Entrep/ batiment et corps/ métiers corresp. | 0.07088395131972632 | 0.0644068211776434 | 0.0899532106580368 | 0.09888383229006759 | 0.030341489729076656 | 0.044888424437383355 | - | 0 | #DIV/0! | 0.06169812073284562
700 | Commerce de gros(1) | 0.07797693290921362 | 0.18599361569052666 | 0.14932861981942674 | 0.15017220569510223 | 0.13082540457863395 | 0.172795854128611 | - | 0.13999269543791087 | #DIV/0! | 0.12824390988078535
800 | Commerce de détail(2) | 0.009029597175944239 | 0.2826159578951884 | 0.042840063850817935 | 0.17252936529650004 | 0.15895817071441443 | 0.06994239641051539 | 9.478891880961459e-05 | 0.09204806044944622 | #DIV/0! | 0.1149580331497705
900 | Rest/débits/boissons, casinos/activités/loterie | 0.007373249203916906 | 0.0007616981037873996 | 0.002048026311812029 | 9.515171974870402e-05 | 0.0007799653622683966 | 0.0043876705216704965 | - | 0 | #DIV/0! | 0.0020046764919410993
1000 | Hotels,motels et pensions | 0.054165991696580006 | 0 | 0.0005485826133891326 | 0.06761959075860052 | 0.0012976965578571594 | 0.11650894162385797 | 0.07304457861281564 | 0 | #DIV/0! | 0.042120112525357196
1100 | Transport | 0.1203555856899091 | 0.09594479597915105 | 0.02067326422356608 | 0.010462084095942266 | 0.03677888360357266 | 0.007024787107113984 | - | 0 | #DIV/0! | 0.0371622922663551
1200 | Immobilier résidentiel | 0.10814551992540317 | 0.19714444781858986 | 0.14529329972535812 | 0.009400280985917091 | 0.0703432722077271 | 0.043452956537436895 | 0.6155536820289764 | 0 | #DIV/0! | 0.09077597266254889
1300 | Immobilier commercial | 0.13227221834571556 | 0.017840593990333005 | 0.10152504198996404 | 0.07274861677348937 | 0.17176091674724145 | 0.022101434132533307 | 0.2602160665544994 | 0 | #DIV/0! | 0.11743081304506452
1400 | Télécommunications | 0.013788708699701372 | 0 | 0.00037055886076867514 | 0.004433176572689694 | 0.005319552815391675 | 0.004731761539386418 | - | 0 | #DIV/0! | 0.005495242102398009
1500 | Services financiers | 0.0051804788919920025 | 0.06261505619718093 | 0.02574108170797776 | 0.05114502852709659 | 0.09150947365929421 | 0.18814800518980276 | - | 0.20328122240902732 | #DIV/0! | 0.06547994619616591
1510 | Services professionnels | 0.063328746398808 | 0.0175443834215675 | 0.008669605924550643 | 0.00437746546349999 | 0.009356279684730632 | 0.021555878714310753 | 0 | 0 | #DIV/0! | 0.017008937152378775
1520 | Services médicaux | 0 | 0.0004618596717536999 | 0.00066877656911926 | 6.920961931375609e-05 | 0.0005595872985880106 | 0.005440393439008676 | 0 | 0 | #DIV/0! | 0.0007409419620649746
1530 | Services d'agence ou de représentation | 1.409566506066717e-05 | 0.0005979523979704851 | 3.0699508856848412e-06 | 0.00046054392203616183 | 0.0006279645555643031 | 0.0032094615388129854 | 0 | 0 | #DIV/0! | 0.0006206010761551803
1540 | Services d'enseignement | 0.0014057027197049098 | 0 | 0.0018644957796176175 | 0.004240647588128408 | 0.0001821624087965192 | 0.002367848588954222 | 0 | 0 | #DIV/0! | 0.001863788462536051
1550 | Autres services | 0.029375866847625432 | 0.010330753620722707 | 0.001075836856624321 | 0.026756480488500062 | 0.011519385563342243 | 0.0435993497339313 | 0 | 0 | #DIV/0! | 0.019899807966596038
1560 | Crédit à la consommation | 0.2083798657234067 | 0.05208390524306361 | 0.14832218038951273 | 0.12462706539658429 | 0.05533665355721537 | 0.02891580224664335 | 0.0405811630958173 | 0.004580318741908722 | #DIV/0! | 0.10372902965039071
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1 | 0.9999999999999998 | 0.9999999999999998 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 0.9999999999999999 | #DIV/0! | 1
(1) Commerce de gros
Import-export | 0.005203804713361431 | 0.024257694137934084 | 0.08399284562633771 | 0.028410172881735692 | 0.05848666995916108 | 0.009178618048390319 | - | 0 | #DIV/0! | 0.0353938287650771
Produits pétroliers | 0 | 0 | 0.010492060991961493 | 0.0031051539598032298 | 0.00024011073313014947 | 0.011527671561777359 | - | 0 | #DIV/0! | 0.0029179986632781956
Produits pharmaceutiques | 0 | 0 | 0 | 0.00541654633969571 | 0.003952452434823809 | 0.0015563283219429509 | - | 0.13999269543791087 | #DIV/0! | 0.004524167697407301
Produits alimentaires | 0.06095688243385341 | 0.009033931349425641 | 0.04307668419192758 | 0.0677958980369258 | 0.03998499799960239 | 0.06512991343490039 | - | 0 | #DIV/0! | 0.05084010544427194
Matériaux de construction | 0 | 0.07249124867892028 | 0.005673485738424941 | 0.016934257856182907 | 0.012626419792450078 | 0.06332510207346376 | - | 0 | #DIV/0! | 0.016085730623607006
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | #DIV/0! | 0
Autres | 0.011816245761998774 | 0.08021074152424666 | 0.004385191119577082 | 0.02851017658153669 | 0.015534753659466454 | 0.022078304282318762 | - | 0 | #DIV/0! | 0.018482086108992768
S-Total | 0.0779769329092136 | 0.18599361569052666 | 0.1476202676682288 | 0.15017220565588002 | 0.13082540457863398 | 0.17279593772279356 | - | 0.13999269543791087 | #DIV/0! | 0.1282439173026343
(2) Commerce de détail
Produits pétroliers | 0.00162665405832085 | 0.0039389803296960985 | 0.00031229981605034594 | 0.0057801676604556556 | 0.004468112767689607 | 0.002677968911681828 | - | 0 | #DIV/0! | 0.0035981316016062094
Produits pharmaceutiques | 0.0005241870164185161 | 0 | 0.00012476824383884843 | 0.00041248015782600726 | 4.096621568215453e-05 | 0.0029502790919488813 | - | 0 | #DIV/0! | 0.0004858690095216968
Véhicules automobiles | 0.0012011366973270039 | 0 | 0.01833115210815435 | 0.05578354867728015 | 0.06935685852891 | 0.015292611943025175 | - | 0 | #DIV/0! | 0.04016778633581511
Produits alimentaires | 0.00013959717022010988 | 0 | 0.01161604270935672 | 0.0354207851511366 | 0.02484818392156494 | 0.013438633465706985 | - | 0 | #DIV/0! | 0.01991327026146664
Librairie ,papeterie | 8.149727159441578e-05 | 0 | 0 | 0.0012863031935401235 | 0.0009106051793509761 | 0.0018098541425526937 | - | 0 | #DIV/0! | 0.0008176628077372098
Appareils électro- ménagers électroni.équip. inform. | 0.002091453247326403 | 0 | 0.005148909486203119 | 0.012605988305183032 | 0.012453479482811395 | 0.02370939183430725 | - | 0.09204806044944622 | #DIV/0! | 0.011252919511237651
Matériaux de construction | 0 | 0 | 0.0015611509798832853 | 0.006777014286941134 | 0.013779385727201197 | 0 | - | 0 | #DIV/0! | 0.006257647253882569
Autres | 0.003365071714736939 | 0.2758131277494915 | 0.005745740507331259 | 0.05446307786413734 | 0.03310057926060527 | 0.010058457283614285 | - | 0 | #DIV/0! | 0.032409661441975025
S-Total | 0.009029597175944237 | 0.2797521080791876 | 0.04284006385081792 | 0.17252936529650004 | 0.15895817108381555 | 0.0699371966728371 | - | 0.09204806044944622 | #DIV/0! | 0.1149029482232421
[Secteur d'activité mars 17 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2017
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 1215997 | 737624.17661 | 1523828.14644 | 8227527.197000001 | 7844685.72 | 1925431.5819200003 | 405.82 | 219787.212 | 0 | 21695286.853970002
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2247946 | 145305.0643 | 322097.74873 | 3945831.397 | 3135683.8499999996 | 3055596.0330999997 | 312725.91000000003 | 192546.40399000002 | 0 | 13357732.40712
Industries Manufacturières ( 200 à 290 ) | 1077774 | 13366.91919 | 1444402.51501 | 3773950.747 | 5184780.87 | 1640677.046 | 44995.29 | 375520.73079 | 0 | 13555468.117989998
Prêts aux Particuliers ( 1560 ) | 2912302 | 81983.70218000001 | 1176141.23645 | 3177463.831 | 1498009.87 | 229363.929 | 173740.22 | 4338.44254 | 0 | 9253343.23117
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3360061 | 338401.46122999996 | 1957180.1657800002 | 2094449.9540000001 | 6553964.529999999 | 519986.00899999996 | 3749434.8899999997 | 0 | 0 | 18573478.01001
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1874791 | 151023.80558000001 | 166869.90467 | 379766.24 | 1139640.17 | 93254.48300000001 | 0 | 0 | 0 | 3805345.6032499997
Bâtiments et Travaux Publics ( 600 ) | 990669 | 101380.83197 | 713296.4208600001 | 2521120.108 | 821369.71 | 356060.85931 | 0 | 0 | 0 | 5503896.93014
Électricité, Gaz et Eau ( 300 à 500 ) | 296388 | 4983.83646 | 625798.86643 | 1371600.605 | 178243.32 | 111758.777 | 0 | 154999.488 | 0 | 2743772.89289
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 23.25581 | 4066.628 | 714465.13 | 2.199 | 0 | 0 | 0 | 718557.21281
Total | 13975928 | 1574069.7975199998 | 7929638.26018 | 25495776.706999995 | 27070843.170000006 | 7932130.917329999 | 4281302.13 | 947192.27732 | 0 | 89206881.25935
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.08700653008515785 | 0.4686095735857151 | 0.1921686836702447 | 0.32270157099160235 | 0.2897835752930483 | 0.24273825053912645 | 9.478891880961459e-05 | 0.23204075588735715 | #DIV/0! | 0.2432019430305559
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.16084413142368792 | 0.09231170341298273 | 0.04061947571397645 | 0.15476411808692425 | 0.11583251509044146 | 0.38521754935034924 | 0.07304457861281564 | 0.20328122240902735 | #DIV/0! | 0.14973881183319523
Industries Manufacturières ( 200 à 290 ) | 0.07711645337611928 | 0.00849194820398691 | 0.18215238420941696 | 0.14802258391146964 | 0.19152639012536524 | 0.2068393806279059 | 0.010509720789081523 | 0.3964567066071358 | #DIV/0! | 0.15195540889475065
Prêts aux Particuliers ( 1560 ) | 0.2083798657234067 | 0.05208390524306362 | 0.14832218038951275 | 0.12462706539658433 | 0.055336653557215364 | 0.028915802246643356 | 0.0405811630958173 | 0.004580318741908723 | #DIV/0! | 0.10372902965039071
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24041773827111873 | 0.2149850418089229 | 0.2468183417153222 | 0.0821488977594065 | 0.2421041889549685 | 0.06555439066997022 | 0.8757697485834759 | 0 | #DIV/0! | 0.20820678570761342
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.13414429438961048 | 0.09594479597915107 | 0.021043823084334758 | 0.014895260668631964 | 0.042098436418964325 | 0.011756548646500404 | 0 | 0 | #DIV/0! | 0.0426575343687531
Bâtiments et Travaux Publics ( 600 ) | 0.07088395131972632 | 0.06440682117764342 | 0.08995321065803681 | 0.09888383229006763 | 0.03034148972907665 | 0.04488842443738336 | 0 | 0 | #DIV/0! | 0.06169812073284562
Électricité, Gaz et Eau ( 300 à 500 ) | 0.021207035411172696 | 0.003166210588534386 | 0.07891896778855012 | 0.05379716887085147 | 0.0065843283447310505 | 0.014089376255229364 | 0 | 0.1636409963545711 | #DIV/0! | 0.03075741303984235
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 2.9327706052851016e-06 | 0.00015950202446209403 | 0.026392422486188852 | 2.7722689185520856e-07 | 0 | 0 | #DIV/0! | 0.008054952742053027
Total | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | #DIV/0! | 1
[Secteur d'activité déc. 16 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2016
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 2.86339 | 8358.251 | 686990.07 | 0 | 0 | 0 | 0 | 695351.18439
200 | Industrie alimentaire | 435785 | 5780.0034000000005 | 364476.57951999997 | 485713.746 | 1909756.97 | 382984.98 | 41142.04 | 129027.14433 | 191013 | 3945679.46325
210 | Industrie des boissons | 1363 | 0 | 3094.87404 | 841673.32 | 2699024.04 | 337983.308 | 0 | 94988.04 | 63023 | 4041149.5820400002
220 | Industrie du bois | 22980 | 0 | 34.59961 | 3262.98 | 0 | 694.727 | 0 | 0 | 0 | 26972.30661
230 | Industrie chimique | 0 | 0 | 205364.18073 | 386031.262 | 61402.27 | 55611.087 | 0 | 123967.25631 | 0 | 832376.05604
240 | Industrie du textile | 67941 | 0 | 273609.49755000003 | 780450.242 | 4866.12 | 241839.919 | 0 | 0 | 9250 | 1377956.7785500002
250 | Industrie pharmacie | 0 | 0 | 2476.14946 | 17436.149 | 8216.4 | 31116.744 | 0 | 0 | 0 | 59245.44246
260 | Imprimerie, édition | 8323 | 0 | 6255.29504 | 79016.38 | 43993.54 | 44942.388 | 0 | 0 | 0 | 182530.60304000002
270 | Sidérurgie, aciérie | 347036 | 0 | 114528.92006 | 442369.624 | 47322.77 | 250984.496 | 0 | 0 | 49574 | 1251815.81006
280 | Industrie de la fabrication | 59632 | 3439.80517 | 232747.62600999998 | 1209116.021 | 349446.09 | 192438.15 | 0 | 0 | 5682 | 2052501.69218
290 | Autres industries | 0 | 0 | 11146.8061 | 29312.261 | 55939.36 | 62990.819 | 0 | 0 | 0 | 159389.2461
300 | Production et distribution de l'électricité | 479041 | 0 | 311164.30458 | 1487434.441 | 67394.4 | 3195.722 | 0 | 149650.50525999998 | 0 | 2497880.37284
400 | Production et distribution de gaz | 0 | 1731.22517 | 352.9756 | 2015.445 | 0.07 | 111371.55 | 0 | 0 | 0 | 115471.26577
500 | Traitement et distribution de l'eau | 0 | 4894.53313 | 303772.08931 | 66079.022 | 40528.07 | 1.624 | 0 | 0 | 0 | 415275.33844
600 | Entrep/ batiment et corps/ métiers corresp. | 1010630 | 198267.85444999998 | 708334.25706 | 2717198.813 | 764139.77 | 320097.65331 | 0 | 0 | 428423 | 6147091.34782
700 | Commerce de gros(1) | 696876 | 290205.42068 | 930792.04192 | 4296548.442 | 3261441.74 | 1242535.58598 | 0 | 176406.36 | 30467 | 10925272.59058
800 | Commerce de détail(2) | 116531 | 447014.02119 | 211332.74159 | 4132767.234 | 4021629.71 | 546066.743 | 584.4 | 84178.40921 | 8398 | 9568502.258990003
900 | Rest/débits/boissons, casinos/activités/loterie | 100654 | 2189.4061 | 16189.067939999999 | 28862.675 | 21762.41 | 37965.586 | 0 | 0 | 0 | 207623.14504
1000 | Hotels,motels et pensions | 612383 | 0 | 31453.608070000002 | 1492828.692 | 37580.87 | 834261.35 | 314447.68 | 0 | 0 | 3322955.2000700003
1100 | Transport | 1596214 | 151323.39733 | 178010.69873 | 90610.778 | 999013.13 | 35478.375 | 0 | 0 | 0 | 3050650.37906
1200 | Immobilier résidentiel / Avance Hypothécaire | 1458908 | 308639.88079 | 1118630.05776 | 248491.306 | 1789417.45 | 398658.82148000004 | 2635767.51 | 0 | 808940 | 8767453.02603
1300 | Immobilier commercial | 1156682 | 29492.42043 | 696708.72209 | 1465978.881 | 4595523.32 | 187989.054 | 1092441.76 | 0 | 11284 | 9236100.15752
1400 | Télécommunications | 199627 | 0 | 3517.17933 | 123031.754 | 158903.05 | 39490.874 | 0 | 0 | 158215 | 682784.85733
1500 | Services financiers | 76725 | 98374.19715 | 145344.95135 | 1637522.969 | 2679611.48 | 1431713.391 | 0 | 125249.62026000001 | 622028 | 6816569.60876
1510 | Services professionnels | 900063 | 27612.436850000002 | 84934.70023999999 | 630832.312 | 320446.92 | 181719.779 | 0 | 0 | 65716 | 2211325.1480900003
1520 | Services médicaux | 0 | 868.7529000000001 | 3287.2553399999997 | 40280.403 | 19023.7 | 44908.784 | 0 | 0 | 910 | 109278.89524
1530 | Services d'agence ou de représentation | 407 | 941.2188100000001 | 2394.5638799999997 | 28901.023 | 14170.68 | 16573.272800000002 | 0 | 0 | 0 | 63387.75849000001
1540 | Services d'enseignement | 23966 | 0 | 12213.52288 | 149228.158 | 6403.37 | 15994.975 | 0 | 0 | 7547 | 215353.02588
1550 | Autres services | 451350 | 17128.96682 | 8673.50574 | 1100971.637 | 324087.58 | 378099.783 | 0 | 0 | 11483 | 2291794.47256
1560 | Crédit à la consommation | 3333308 | 120687.80652 | 1123691.08238 | 2077870.339 | 1515556.33 | 179897.724 | 135426.32 | 0 | 634308 | 9120745.6019
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0
Total | 13156425 | 1708591.34689 | 7104534.7173 | 26100194.560000002 | 26503591.68 | 7607607.265570001 | 4219809.71 | 883467.3353699999 | 3106261 | 90390482.61512998
(1) Commerce de gros
Import-export | 35853 | 37731.26498 | 286551.30374 | 955099.495 | 1405261.65 | 90046 | 2810542.71372
Produits pétroliers | 0 | 0 | 93301.68539 | 4011.016 | 6500 | 93856 | 197668.70139
Produits pharmaceutiques | 0 | 0 | 13253.08382 | 140674.463 | 116699.82 | 13358 | 283985.36682
Produits alimentaires | 455435 | 18715.29864 | 308957.89441 | 1935565.17 | 804349.72 | 444191 | 176406.36 | 3957 | 4147577.4430499994
Matériaux de construction | 0 | 111166.89892 | 203531.59159 | 416544.279 | 367340.35 | 474132 | 26509 | 1599224.11951
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 205588 | 122591.95814 | 25196.482949999998 | 844654.02 | 561290.2 | 126953 | 0 | 0 | 1886273.6610899998
S-Total | 696876 | 290205.42068 | 930792.0419 | 4296548.443 | 3261441.74 | 1242536 | - | 176406.36 | 30466 | 10925272.005579999
(2) Commerce de détail
Produits pétroliers | 21027 | 6990.63075 | 2600.9317 | 135241.221 | 140062.89 | 9329 | 315251.67345
Produits pharmaceutiques | 7742 | 0 | 294.7079 | 6200.399 | 1175.26 | 24184 | 1189 | 40785.3669
Véhicules automobiles | 19640 | 0 | 45680.596549999995 | 1380457.811 | 2000336.09 | 98854 | 3544968.49755
Produits alimentaires | 2115 | 0 | 59865.84543 | 896311.734 | 699593.19 | 104491 | 5064 | 1767440.7694299999
Librairie ,papeterie | 1209 | 0 | 4109.76144 | 34696.289 | 22560.24 | 13881 | 411 | 76867.29044
Appareils électro- ménagers électroni.équip. inform. | 470 | 0 | 40331.05993 | 322377.121 | 197575.5 | 210944 | 84178.40921 | 855876.09014
Matériaux de construction | 18156 | 0 | 14157.09041 | 166653.601 | 299127.43 | 224 | 498318.12141
Autres | 46172 | 440023.39044 | 44292.74823 | 1190829.058 | 661199.11 | 84160 | 1734 | 2468410.30667
S-Total | 116531 | 447014.02119 | 211332.74159000002 | 4132767.2339999992 | 4021629.7100000004 | 546067 | - | 84178.40921 | 8398 | 9567918.115989998
[Secteur d'activité déc. 16 (%]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 décembre 2016
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 4.0303694948910037e-07 | 0.00032023711473819753 | 0.025920640428459846 | 0 | 0 | 0 | 0 | 0.007692747779107541
200 | Industrie alimentaire | 0.03312335987929852 | 0.0033829056962747924 | 0.051301963326673035 | 0.018609583345573343 | 0.07205653456550686 | 0.05034237002917957 | 0.009749738217460996 | 0.14604630999284526 | 0.06149290095069281 | 0.043651492381671986
210 | Industrie des boissons | 0.00010359957207220047 | 0 | 0.00043561952515536065 | 0.03224777953532619 | 0.10183616139984239 | 0.04442701840427834 | - | 0.10751731976623516 | 0.02028902271895375 | 0.04470768896374466
220 | Industrie du bois | 0.0017466751036090732 | 0 | 4.870074026909562e-06 | 0.00012501745887368587 | 0 | 9.132004002679645e-05 | - | 0 | 0 | 0.0002983976391059256
230 | Industrie chimique | 0 | 0 | 0.028906070404572024 | 0.014790359555082181 | 0.0023167527911447205 | 0.0073099313698383106 | - | 0.14031900371062614 | 0 | 0.009208669231075365
240 | Industrie du textile | 0.0051640928291690185 | 0 | 0.03851195165303975 | 0.029902085220317984 | 0.0001836022852582673 | 0.03178922236095216 | - | 0 | 0.0029778566578919155 | 0.015244489670634322
250 | Industrie pharmacie | 0 | 0 | 0.0003485308410092524 | 0.0006680467059322948 | 0.00031001081284391413 | 0.004090214296527382 | - | 0 | 0 | 0.0006554389438571625
260 | Imprimerie, édition | 0.0006326186635047135 | 0 | 0.0008804651238831945 | 0.003027424941923498 | 0.0016599086090357397 | 0.0059075588987614076 | - | 0 | 0 | 0.0020193564384116606
270 | Sidérurgie, aciérie | 0.026377682387122642 | 0 | 0.016120537743466116 | 0.016948901395469135 | 0.0017855229046450506 | 0.032991252996969075 | - | 0 | 0.015959380103603656 | 0.013848978054360618
280 | Industrie de la fabrication | 0.004532538284526382 | 0.002013240425372151 | 0.03276043193134724 | 0.04632593899713826 | 0.013184857894701765 | 0.025295489538599565 | - | 0 | 0.0018292088140693908 | 0.022707055353595854
290 | Autres industries | 0 | 0 | 0.0015689706002641958 | 0.0011230667623038592 | 0.002110633180415795 | 0.008279977764504174 | - | 0 | 0 | 0.0017633410231767109
300 | Production et distribution de l'électricité | 0.036411183129155526 | 0 | 0.043797984943657865 | 0.05698940050353402 | 0.0025428402615656352 | 0.00042006926599155356 | - | 0.16938996980270438 | 0 | 0.02763432941801655
400 | Production et distribution de gaz | 0 | 0.0010132470664510845 | 4.968314098606368e-05 | 7.721953931672147e-05 | 2.6411514652492567e-09 | 0.014639497822664677 | - | 0 | 0 | 0.001277471503959775
500 | Traitement et distribution de l'eau | 0 | 0.002864659907653806 | 0.04275749241822908 | 0.0025317444223680145 | 0.001529153878060349 | 2.134705359134127e-07 | - | 0 | 0 | 0.0045942374288251596
600 | Entrep/ batiment et corps/ métiers corresp. | 0.07681646039862652 | 0.11604170582444404 | 0.09970170957644284 | 0.10410645816273945 | 0.02883155533129614 | 0.042075996057088345 | - | 0 | 0.13792240896692196 | 0.06800595781741153
700 | Commerce de gros(1) | 0.05296849258062126 | 0.1698506908677933 | 0.13101379315572367 | 0.16461748712726834 | 0.12305659472037264 | 0.163328040289801 | - | 0.19967502242300816 | 0.009808255004972215 | 0.12086751032294275
800 | Commerce de détail(2) | 0.008857345365477325 | 0.2616272299421747 | 0.029746176209877778 | 0.15834239183541166 | 0.15173904573223487 | 0.07177903957678682 | 0.00013848965715565405 | 0.09528185801543611 | 0.0027035719149163576 | 0.10585740868019641
900 | Rest/débits/boissons, casinos/activités/loterie | 0.007650558567391978 | 0.0012814100363935388 | 0.002278695028483509 | 0.001105841373467524 | 0.0008211117294122153 | 0.004990476594634703 | - | 0 | 0 | 0.002296958031787819
1000 | Hotels,motels et pensions | 0.04654630722251676 | 0 | 0.004427257986847251 | 0.05719607524642145 | 0.0014179538552263119 | 0.10966146396326794 | 0.07451702839936827 | 0 | 0 | 0.036762224339687156
1100 | Transport | 0.12132581609365767 | 0.0885661733014397 | 0.025055926364401102 | 0.0034716514389078945 | 0.03769349988718208 | 0.004663539239277723 | - | 0 | 0 | 0.03374968570584187
1200 | Immobilier résidentiel | 0.11088939434534838 | 0.1806399648176788 | 0.15745296522178487 | 0.0095206687225553 | 0.06751603600014411 | 0.05240265533740463 | 0.6246176228643258 | 0 | 0.26042241782000936 | 0.0969953115900552
1300 | Immobilier commercial | 0.08791765240177328 | 0.01726124885490172 | 0.09806535541215239 | 0.05616735452411892 | 0.17339247357435897 | 0.02471066755125337 | 0.25888412868740474 | 0 | 0.0036326631921786354 | 0.10218000712360417
1400 | Télécommunications | 0.01517334686284458 | 0 | 0.000495061178522422 | 0.004713825167746182 | 0.005995528904858226 | 0.0051909716973331625 | - | 0 | 0.05093422606793183 | 0.0075537250999887055
1500 | Services financiers | 0.005831751406632121 | 0.0575762000252793 | 0.020458053501529898 | 0.06273987595133083 | 0.10110371123858183 | 0.1881949660413666 | - | 0.14177051628914492 | 0.20024975364272352 | 0.07541247055604293
1510 | Services professionnels | 0.06841242966839396 | 0.0161609368444131 | 0.011954998267962366 | 0.02416964021282759 | 0.012090697889894446 | 0.0238865878135449 | 0 | 0 | 0.021155981419462178 | 0.024464136976738063
1520 | Services médicaux | 0 | 0.000508461488805568 | 0.00046269818796089787 | 0.0015432989553929208 | 0.0007177781875637468 | 0.005903141741194392 | 0 | 0 | 0.00029295670904666413 | 0.001208964617495121
1530 | Services d'agence ou de représentation | 3.093545549037827e-05 | 0.0005508741523906338 | 0.0003370472487338379 | 0.0011073106345457066 | 0.0005346701749368334 | 0.0021785131936300404 | 0 | 0 | 0 | 0.0007012658485285028
1540 | Services d'enseignement | 0.0018216194748953457 | 0 | 0.0017191165031904601 | 0.005717511325708676 | 0.00024160385797190187 | 0.002102497466238693 | 0 | 0 | 0.002429609102390301 | 0.0023824745664534513
1550 | Autres services | 0.03430643202845758 | 0.010025198155883423 | 0.0012208407848130372 | 0.042182506895458174 | 0.012228062668372652 | 0.04970022371044029 | 0 | 0 | 0.0036967273516294993 | 0.025354378096620417
1560 | Crédit à la consommation | 0.2533597082794148 | 0.07063585259265037 | 0.15816533060831414 | 0.07961129692820189 | 0.05718305459496122 | 0.023647083467908375 | 0.03209299217428456 | 0 | 0.20420305956260598 | 0.10090382679706289
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1.0000000000000004
(1) Commerce de gros
Import-export | 0.0027251323972887773 | 0.022083258848687802 | 0.04033357779816729 | 0.03659357759975257 | 0.053021555227944106 | 0.011836310269001945 | - | 0 | 0 | 0.031093347799534352
Produits pétroliers | 0 | 0 | 0.013132694694672176 | 0.00015367762837090513 | 0.0002452497789160024 | 0.012337124765202746 | - | 0 | 0 | 0.002186830910413939
Produits pharmaceutiques | 0 | 0 | 0 | 0.005389785990928643 | 0.00440317000839035 | 0.0017558740263124177 | - | 0 | 0 | 0.00314176181611033
Produits alimentaires | 0.034616926710713584 | 0.010953642410788179 | 0.04348742130257561 | 0.07415903224592667 | 0.030348706307868987 | 0.0583877406514253 | - | 0.19967502242300816 | 0.0012738787886787362 | 0.04588511227127533
Matériaux de construction | 0 | 0.0650634799961661 | 0.028648124006542958 | 0.015959431951452854 | 0.013860021480681066 | 0.06232340648626735 | - | 0 | 0.008534054285843978 | 0.017692394965068088
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0
Autres | 0.01562643347261889 | 0.07175030961215124 | 0.0035465352697404574 | 0.03236198174915061 | 0.021177891916572114 | 0.016687638513433176 | - | 0 | 0 | 0.020868056088620402
S-Total | 0.05296849258062125 | 0.1698506908677933 | 0.1291483530716985 | 0.16461748716558225 | 0.12305659472037263 | 0.16332809471164295 | - | 0.19967502242300816 | 0.009807933074522714 | 0.12086750385102242
(2) Commerce de détail
Produits pétroliers | 0.004189111827389048 | 0 | 0.004014391855429044 | 0.0011665486617489463 | 0.0017348770463548853 | 0.004448076738703526 | - | 0 | #DIV/0! | 0.002291940959462693
Produits pharmaceutiques | 0 | 0 | 0.00013860448825868255 | 4.228813123875291e-06 | 0.0001091382580419256 | 0.00019854111903084464 | - | 0 | #DIV/0! | 7.016561637524103e-05
Véhicules automobiles | 0.0010064040855946022 | 0 | 0.003808062353415466 | 0.02559117767420288 | 0.05770788887857303 | 0.04173572831133583 | - | 0 | #DIV/0! | 0.03146258750817694
Produits alimentaires | 0.006525995144565175 | 0 | 0.034025197999337335 | 0.014864306215874888 | 0.036932592501709056 | 0.015352075431168273 | - | 0 | #DIV/0! | 0.022564783579663145
Librairie ,papeterie | 7.397338625677486e-06 | 0 | 0 | 0.0007387266836909887 | 0.002278344910867879 | 7.674797940532204e-07 | - | 0 | #DIV/0! | 0.0009903520984834685
Appareils électro- ménagers électroni.équip. inform. | 0.00018845699482760589 | 0 | 0.004334787407877403 | 0.006619318682956672 | 0.0439714097720231 | 0.04527109446418837 | - | 0 | #DIV/0! | 0.021427657112564898
Matériaux de construction | 0.0034380268119164554 | 0 | 0.0013937354877970889 | 0.00246486645863814 | 0.029527983399700867 | 0 | - | 0 | #DIV/0! | 0.01129155070324652
Autres | 0.03041785394158875 | 0.3498907757718453 | 0.030446787818713128 | 0.07064173196225626 | 0.03125167082124464 | 0.010573392011949513 | - | 0 | #DIV/0! | 0.04263643786962351
S-Total | 0.04577324614450731 | 0.3498907757718453 | 0.07816156741082815 | 0.12209090515249266 | 0.2035139055885154 | 0.11757967555617041 | - | 0 | #DIV/0! | 0.1327354754475964
[Secteur d'activité déc.16 g ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 décembre 2016
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 813407 | 737219.44187 | 1142124.78351 | 8429315.675999999 | 7283071.45 | 1788602.32898 | 584.4 | 260584.76921 | 38865 | 20493774.849569995
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2165548 | 147114.97863 | 304491.17543999996 | 5109427.869 | 3423087.0100000007 | 2941236.9208000004 | 314447.68 | 125249.62026000001 | 707684 | 15238287.254130002
Industries Manufacturières ( 200 à 290 ) | 943060 | 9219.808570000001 | 1213734.52812 | 4274381.984999999 | 5179967.56 | 1601586.6179999998 | 41142.04 | 347982.44064 | 318542 | 13929616.98033
Prêts aux Particuliers ( 1560 ) | 3333308 | 120687.80652 | 1123691.08238 | 2077870.339 | 1515556.33 | 179897.724 | 135426.32 | 0 | 634308 | 9120745.6019
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 2615590 | 338132.30122 | 1815338.77985 | 1714470.1870000002 | 6384940.7700000005 | 586647.87548 | 3728209.2699999996 | 0 | 820224 | 18003553.18355
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1795841 | 151323.39733 | 181527.87806000002 | 213642.532 | 1157916.18 | 74969.24900000001 | 0 | 0 | 158215 | 3733435.23639
Bâtiments et Travaux Publics ( 600 ) | 1010630 | 198267.85444999998 | 708334.25706 | 2717198.813 | 764139.77 | 320097.65331 | 0 | 0 | 428423 | 6147091.34782
Électricité, Gaz et Eau ( 300 à 500 ) | 479041 | 6625.7582999999995 | 615289.36949 | 1555528.9080000003 | 107922.54000000001 | 114568.896 | 0 | 149650.50525999998 | 0 | 3028626.9770500003
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 2.86339 | 8358.251 | 686990.07 | 0 | 0 | 0 | 0 | 695351.18439
Total | 13156425 | 1708591.3468900002 | 7104534.717299999 | 26100194.56 | 26503591.68 | 7607607.26557 | 4219809.71 | 883467.33537 | 3106261 | 90390482.61512999
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.061825837946098576 | 0.43147792080996794 | 0.16075996936560147 | 0.32295987896268 | 0.2747956404526075 | 0.23510707986658785 | 0.00013848965715565405 | 0.29495688043844426 | 0.012511826919888573 | 0.22672491900313904
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1646000338237781 | 0.08610308070316554 | 0.04285870750952126 | 0.19576206059515291 | 0.12915558960195997 | 0.3866178705243177 | 0.07451702839936827 | 0.1417705162891449 | 0.22782502822525216 | 0.16858287303335345
Industries Manufacturières ( 200 à 290 ) | 0.07168056671930255 | 0.005396146121646943 | 0.1708394112234371 | 0.16376820391794045 | 0.1954439844433945 | 0.2105243556996368 | 0.009749738217460996 | 0.39388263346970653 | 0.10254836924521153 | 0.15410490769963422
Prêts aux Particuliers ( 1560 ) | 0.2533597082794148 | 0.07063585259265037 | 0.15816533060831414 | 0.0796112969282019 | 0.05718305459496122 | 0.023647083467908375 | 0.03209299217428456 | 0 | 0.20420305956260598 | 0.10090382679706288
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.19880704674712166 | 0.19790121367258048 | 0.25551832063393726 | 0.06568802324667423 | 0.2409085095745031 | 0.077113322888658 | 0.8835017515517304 | 0 | 0.26405508101218794 | 0.19917531871365934
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.13649916295650225 | 0.08856617330143969 | 0.02555098754292353 | 0.008185476606654078 | 0.043689028792040306 | 0.009854510936610888 | 0 | 0 | 0.05093422606793183 | 0.04130341080583057
Bâtiments et Travaux Publics ( 600 ) | 0.07681646039862652 | 0.11604170582444402 | 0.09970170957644285 | 0.10410645816273946 | 0.02883155533129614 | 0.04207599605708835 | 0 | 0 | 0.13792240896692196 | 0.06800595781741152
Électricité, Gaz et Eau ( 300 à 500 ) | 0.036411183129155526 | 0.0038779069741048905 | 0.08660516050287302 | 0.059598364465218774 | 0.00407199678077745 | 0.015059780559192144 | 0 | 0.16938996980270435 | 0 | 0.03350603835080149
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.030369494891004e-07 | 0.0003202371147381976 | 0.025920640428459846 | 0 | 0 | 0 | 0 | 0.0076927477791075395
Total | 0.9999999999999999 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1
[Secteur d'activité sept. 16]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2016
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 8.85384 | 7954.259 | 0 | 0 | 0 | 0 | 0 | 7963.11284
200 | Industrie alimentaire | 93460 | 5780.0034000000005 | 191299.35254 | 427062.236 | 1857046.87 | 354573.387 | 26932.01 | 138099.8964 | 239485 | 3333738.7553399997
210 | Industrie des boissons | 1372 | 0 | 9094.51485 | 971885.456 | 2485173.95 | 140849.197 | 0 | 117275.76 | 66076 | 3791726.8778500003
220 | Industrie du bois | 15439 | 0 | 10013.08783 | 3606.966 | 0 | 969.82 | 0 | 0 | 0 | 30028.87383
230 | Industrie chimique | 0 | 0 | 14640.51494 | 322304.533 | 74162.5 | 56684.693 | 0 | 128741.03232 | 0 | 596533.27326
240 | Industrie du textile | 73259 | 0 | 111668.04076999999 | 780865.518 | 4616.44 | 204354.443 | 0 | 0 | 7435 | 1182198.44177
250 | Industrie pharmacie | 0 | 0 | 6715.45017 | 17634.359 | 2565.19 | 32444.16 | 0 | 0 | 0 | 59359.15917
260 | Imprimerie, édition | 16786 | 0 | 4816.01013 | 157627.112 | 36122.41 | 77707.754 | 0 | 0 | 4494 | 297553.28613
270 | Sidérurgie, aciérie | 347036 | 0 | 143264.28512000002 | 444349.504 | 76426.02 | 220866.303 | 0 | 0 | 50459 | 1282401.1121200002
280 | Industrie de la fabrication | 61504 | 3471.5940499999997 | 167834.5011 | 1335603.687 | 357187.25 | 154637.502 | 0 | 0 | 1898 | 2082136.53415
290 | Autres industries | 0 | 0 | 160274.14904 | 131567.472 | 366835.99 | 66469.538 | 0 | 149461.6532 | 0 | 874608.8022400001
300 | Production et distribution de l'électricité | 446347 | 0 | 320499.74552 | 1109133.244 | 65536.8 | 239.402 | 0 | 0 | 0 | 1941756.1915199999
400 | Production et distribution de gaz | 0 | 1991.44471 | 874.08243 | 2504.429 | 89326.43 | 111715.291 | 0 | 0 | 0 | 206411.67713999999
500 | Traitement et distribution de l'eau | 0 | 7058.053150000001 | 299069.88724 | 47806.979 | 37004.57 | 5.883 | 0 | 0 | 0 | 390945.37239
600 | Entrep/ batiment et corps/ métiers corresp. | 1030319 | 109011.81542 | 711550.24454 | 2808784.442 | 729233.77 | 350449.88648000004 | 0 | 0 | 263587 | 6002936.158439999
700 | Commerce de gros(1) | 674585 | 291599.06827999995 | 952354.90876 | 4097032.977 | 3506808.23 | 1359146.4268 | 0 | 217797.84 | 11782 | 11111106.45084
800 | Commerce de détail(2) | 105321 | 461120.52403 | 195970.47025 | 3989980.142 | 4057719.65 | 510854.05 | 699.06 | 84072.17992 | 7260 | 9412997.076200001
900 | Rest/débits/boissons, casinos/activités/loterie | 98787 | 4123.83202 | 15906.198349999999 | 28264.149 | 22524.47 | 32312.986 | 0 | 0 | 0 | 201918.63537
1000 | Hotels,motels et pensions | 574918 | 0 | 30891.063149999998 | 1450360.295 | 60188.81 | 813842.034 | 315297.13 | 0 | 0 | 3245497.3321499997
1100 | Transport | 1560837 | 153123.54994 | 217895.63706 | 75192.216 | 651278.05 | 32294.282 | 0 | 0 | 0 | 2690620.7350000003
1200 | Immobilier résidentiel / Avance Hypothécaire | 1429818 | 311137.84364 | 1035465.75943 | 255469.533 | 1768911.73 | 408231.204 | 2524152.72 | 0 | 792510 | 8525696.790070001
1300 | Immobilier commercial | 899225 | 29941.753539999998 | 471503.20225 | 1304337.924 | 4761777.7 | 93245.402 | 1159031.32 | 0 | 13967 | 8733029.301789999
1400 | Télécommunications | 246900 | 0 | 3646.7466099999997 | 127224.312 | 183246.92 | 37915.403 | 0 | 0 | 153854 | 752787.38161
1500 | Services financiers | 85549 | 86594.69965000001 | 119656.60457 | 1649354.295 | 2336040.86 | 1336913.933 | 0 | 77535.02437 | 635599 | 6327243.41659
1510 | Services professionnels | 901730 | 27451.660809999998 | 53864.94053 | 598920.54 | 302508.24 | 198448.457 | 0 | 0 | 71030 | 2153953.8383400002
1520 | Services médicaux | 0 | 998.4891899999999 | 3483.65875 | 41120.732 | 24401.62 | 47191.427 | 0 | 0 | 1145 | 118340.92694
1530 | Services d'agence ou de représentation | 1521 | 1058.40156 | 0.74427 | 28684.531 | 24667.94 | 7378.231 | 0 | 0 | 0 | 63310.84783
1540 | Services d'enseignement | 23079 | 0 | 9464.889449999999 | 151258.693 | 8288.22 | 17053.249 | 0 | 0 | 7110 | 216254.05145
1550 | Autres services | 470208 | 17990.21457 | 11556.63282 | 1052832.902 | 318336 | 457638.73 | 0 | 0 | 13213 | 2341775.47939
1560 | Crédit à la consommation | 3382134 | 146726.18811000002 | 1039550.45393 | 2035162.21 | 1518853.34 | 178451.55 | 152863.59 | 0 | 638962 | 9092703.33204
1570 | Zone Franche | 0 | 0 | 281497.47002 | 334689.683 | 0 | 0 | 0 | 0 | 0 | 616187.1530200001
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 723382.11 | 0 | 0 | 0 | 0 | 723382.11
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 10703.32 | 0 | 0 | 0 | 0 | 10703.32
Total | 12540134 | 1659179.13607 | 6594332.10026 | 25788575.329999994 | 26460875.400000006 | 7302884.624279999 | 4178975.83 | 912983.38621 | 2979866 | 88417805.80681996
(1) Commerce de gros
Import-export | 40997 | 38477.17 | 480886.19 | 926447.91 | 1599901.62 | 132487 | 0 | 0 | 0 | 3219196.89
Produits pétroliers | 0 | 0 | 0 | 3790.79 | 0 | 105931 | 0 | 0 | 0 | 109721.79
Produits pharmaceutiques | 0 | 0 | 0 | 140532.02 | 117279.92 | 12185 | 0 | 0 | 0 | 269996.94
Produits alimentaires | 425371 | 18893.67 | 303150.21 | 1883830.76 | 847937.12 | 440114 | 0 | 217797.84 | 3785 | 4140879.6
Matériaux de construction | 0 | 108378.09 | 0 | 277868.61 | 399763.72 | 492596 | 0 | 0 | 7997 | 1286603.42
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 208216 | 125850.13 | 168318.51 | 864563.89 | 541925.85 | 175833.6 | 0 | 0 | 0 | 2084707.98
S-Total | 674584 | 291599.06 | 952354.91 | 4097033.98 | 3506808.23 | 1359146.6 | - | 217797.84 | 11782 | 11111106.620000001
(2) Commerce de détail
Produits pétroliers | 20448 | 6863.81 | 13448.94 | 120083.89 | 140973.02 | 13269 | 0 | 0 | 0 | 315086.66000000003
Produits pharmaceutiques | 8107 | 0 | 505.49 | 6260.02 | 8035.49 | 18334 | 0 | 0 | 1012 | 42254
Véhicules automobiles | 10931 | 0 | 16661.02 | 1255009.62 | 2177823.42 | 98846 | 0 | 0 | 0 | 3559271.06
Produits alimentaires | 2273 | 0 | 93322.98 | 1085500.09 | 542180.28 | 113031 | 0 | 0 | 4695 | 1841002.35
Librairie ,papeterie | 1231 | 0 | 1.33 | 37490.88 | 26491.31 | 13565 | 0 | 0 | 534 | 79313.52
Appareils électro- ménagers électroni.équip. inform. | 18163 | 0 | 32201.24 | 310677.73 | 217451.58 | 190078 | 0 | 84072.18 | 0 | 852643.73
Matériaux de construction | 0 | 1184.66 | 0 | 257614.67 | 347672.81 | 654 | 0 | 0 | 0 | 607126.14
Autres | 44169 | 438981.64 | 39829.46 | 917343.26 | 597091.74 | 63077 | 0 | 0 | 1020 | 2101512.1
S-Total | 105322 | 447030.11 | 195970.46 | 3989980.16 | 4057719.6500000004 | 510854 | - | 84072.18 | 7261 | 9398209.56
[Secteur d'activité sept. 16 %]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 septembre 2016
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 1.3426439350318606e-06 | 0.0003084411953050685 | 0 | 0 | 0 | 0 | 0 | 9.006232135412004e-05
200 | Industrie alimentaire | 0.007452870918285243 | 0.0034836524124156687 | 0.029009663091195768 | 0.01656013294783276 | 0.07018085539225961 | 0.048552511129800004 | 0.006444643638917624 | 0.1512622228245399 | 0.08036770780968003 | 0.037704382334749785
210 | Industrie des boissons | 0.00010940871923697147 | 0 | 0.0013791411642191062 | 0.03768666719907556 | 0.09391881078885242 | 0.019286789295796452 | - | 0.12845333416946186 | 0.022174151455132546 | 0.04288420011388172
220 | Industrie du bois | 0.0012311670672737628 | 0 | 0.0015184385132203466 | 0.00013986681907953233 | 0 | 0.00013279957850841932 | - | 0 | 0 | 0.0003396247345880616
230 | Industrie chimique | 0 | 0 | 0.0022201664577103657 | 0.012497958063819885 | 0.0028027228456697236 | 0.007761959269018113 | - | 0.1410113636946156 | 0 | 0.006746754998233483
240 | Industrie du textile | 0.0058419630922604176 | 0 | 0.01693394252400439 | 0.030279513622127656 | 0.00017446285998535025 | 0.027982701838199665 | - | 0 | 0.0024950786377642485 | 0.013370592393492907
250 | Industrie pharmacie | 0 | 0 | 0.0010183669957621979 | 0.0006838050871110298 | 9.694274891600901e-05 | 0.004442649948505617 | - | 0 | 0 | 0.0006713484758906043
260 | Imprimerie, édition | 0.0013385821873992735 | 0 | 0.0007303256882998227 | 0.006112284605991068 | 0.0013651252822875239 | 0.010640693095663045 | - | 0 | 0.0015081215061348396 | 0.003365309548396967
270 | Sidérurgie, aciérie | 0.027674026449797107 | 0 | 0.021725367018496297 | 0.017230478935495352 | 0.0028882649891469572 | 0.030243707023069052 | - | 0 | 0.016933311766368017 | 0.014503878493907212
280 | Industrie de la fabrication | 0.004904572790051525 | 0.00209235637944614 | 0.025451326767934945 | 0.051790518472196664 | 0.01349869362220722 | 0.021174852124306417 | - | 0 | 0.0006369413926666501 | 0.023548837421946044
290 | Autres industries | 0 | 0 | 0.02430483430364096 | 0.0051017735689705525 | 0.013863335375518223 | 0.009101819543883774 | - | 0.16370687074651932 | 0 | 0.009891772299245845
300 | Production et distribution de l'électricité | 0.03559347930412865 | 0 | 0.04860230583585006 | 0.04300870559180286 | 0.0024767434564919944 | 3.278184064473057e-05 | - | 0 | 0 | 0.02196114429442475
400 | Production et distribution de gaz | 0 | 0.0012002590116441663 | 0.0001325505626211238 | 9.711389512419416e-05 | 0.003375792699586952 | 0.01529741968380257 | - | 0 | 0 | 0.002334503500244956
500 | Traitement et distribution de l'eau | 0 | 0.004253942806150514 | 0.045352566824501964 | 0.0018538045777343067 | 0.001398463559523809 | 8.055720859180372e-07 | - | 0 | 0 | 0.004421568357443281
600 | Entrep/ batiment et corps/ métiers corresp. | 0.08216172171684928 | 0.06570225785156018 | 0.10790330752555595 | 0.10891584378189846 | 0.02755894349587542 | 0.047987871164615496 | - | 0 | 0.08845599097409078 | 0.06789284243894879
700 | Commerce de gros(1) | 0.05379408226419271 | 0.17574899656145238 | 0.1444202224395782 | 0.15887007810911907 | 0.1325280504514223 | 0.18611089955895338 | - | 0.2385561920290006 | 0.003953869066595612 | 0.12566593741441798
800 | Commerce de détail(2) | 0.008398714080726729 | 0.27792087906929025 | 0.029718016513343836 | 0.15471890521065093 | 0.15334789906459403 | 0.06995236489175204 | 0.00016728022090522595 | 0.09208511478944056 | 0.00243635116478392 | 0.10646042378348576
900 | Rest/débits/boissons, casinos/activités/loterie | 0.00787766701695532 | 0.0024854652100844746 | 0.0024121014999188245 | 0.001095994976004749 | 0.000851236765961265 | 0.004424688005143691 | - | 0 | 0 | 0.002283687471403247
1000 | Hotels,motels et pensions | 0.04584624055851397 | 0 | 0.004684487023148566 | 0.05624041950517474 | 0.0022746341188697025 | 0.11144117371020876 | 0.07544842153346458 | 0 | 0 | 0.03670637721140625
1100 | Transport | 0.12446733025340878 | 0.09228873881737372 | 0.033042866775152085 | 0.0029157181053165227 | 0.024612868627921506 | 0.004422126825423308 | - | 0 | 0 | 0.030430756683541945
1200 | Immobilier résidentiel | 0.1140193557740292 | 0.18752516643680434 | 0.1570235990069675 | 0.009906306561371417 | 0.06685008350101673 | 0.05589999363302937 | 0.6040122802050282 | 0 | 0.2659549120665157 | 0.09642511157421627
1300 | Immobilier commercial | 0.07170776644013532 | 0.018046124670372404 | 0.07150128247732772 | 0.05057813032744994 | 0.17995541069665438 | 0.012768297295836464 | 0.27734817504316606 | 0 | 0.004687123514950001 | 0.09877002965749226
1400 | Télécommunications | 0.019688784824787357 | 0 | 0.0005530122769910567 | 0.004933359457511375 | 0.006925202482152196 | 0.00519183924581557 | - | 0 | 0.05163118073094562 | 0.00851397944950965
1500 | Services financiers | 0.006822016415454572 | 0.05219129011898726 | 0.0181453713205136 | 0.06395678217560537 | 0.08828282604739522 | 0.18306655544784922 | - | 0.0849249017464221 | 0.21329784627899376 | 0.07156073778186835
1510 | Services professionnels | 0.0719075250711037 | 0.016545326669803195 | 0.008168369398301342 | 0.023224258507342683 | 0.011432283906979129 | 0.02717398222891482 | 0 | 0 | 0.023836642318815677 | 0.024361086759448383
1520 | Services médicaux | 0 | 0.0006017970985128601 | 0.0005282807564184774 | 0.0015945329074523952 | 0.0009221773516986514 | 0.006462025545782557 | 0 | 0 | 0.0003842454660712931 | 0.001338428678026208
1530 | Services d'agence ou de représentation | 0.00012129056994127815 | 0.0006379067437570204 | 1.1286510728973675e-07 | 0.0011122960703700108 | 0.0009322420224993763 | 0.0010103173443914881 | 0 | 0 | 0 | 0.0007160418340206834
1540 | Services d'enseignement | 0.0018404109557361987 | 0 | 0.0014353067613362724 | 0.00586533730787524 | 0.0003132254649443683 | 0.002335138767399232 | 0 | 0 | 0.002386013330800781 | 0.002445820154398353
1550 | Autres services | 0.037496250040071344 | 0.010842840401556858 | 0.0017525099804337045 | 0.040825555057910995 | 0.012030440988358228 | 0.06266547447271484 | 0 | 0 | 0.004434092002794756 | 0.026485338083444852
1560 | Crédit à la consommation | 0.26970477348966126 | 0.08843299974078851 | 0.1576430240583444 | 0.07891720205390658 | 0.05739996568669832 | 0.024435761918886096 | 0.03657919935851842 | 0 | 0.21442642051689573 | 0.1028379210394141
Zone Franche | 0 | 0 | 0.042687790930168834 | 0.012978215303373258 | 0 | 0 | 0 | 0 | 0 | 0.006969039181613253
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0.02733779964059692 | 0 | 0 | 0 | 0 | 0.008181407618059248
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0.000404496065916247 | 0 | 0 | 0 | 0 | 0.00012105389748514226
Total | 0.9999999999999999 | 0.9999999999999999 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1.0000000000000004
(1) Commerce de gros
Import-export | 0.0032692633109024194 | 0.023190485682660286 | 0.07292416922420994 | 0.03592474179534291 | 0.060462913483202436 | 0.018141735330107597 | - | 0 | 0 | 0.03640892081209838
Produits pétroliers | 0 | 0 | 0 | 0.00014699493676915734 | 0 | 0.014505364037631072 | - | 0 | 0 | 0.001240946764045764
Produits pharmaceutiques | 0 | 0 | 0 | 0.005449390600360862 | 0.004432201060135749 | 0.001668518760311284 | - | 0 | 0 | 0.0030536489515460724
Produits alimentaires | 0.03392076990564854 | 0.011387359923505501 | 0.045971328921703455 | 0.07304904345795826 | 0.03204493831674215 | 0.06026577477846864 | - | 0.2385561920290006 | 0.0012701913441745367 | 0.04683309614182487
Matériaux de construction | 0 | 0.06532030667689614 | 0 | 0.010774872455895378 | 0.01510772844650483 | 0.06745225008242078 | - | 0 | 0.0026836777224210754 | 0.014551406340155525
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0
Autres | 0.016603969303677298 | 0.07585083928797091 | 0.025524724481705067 | 0.03352507375598403 | 0.02048026914483713 | 0.02407728028666969 | - | 0 | 0 | 0.02357792031793668
S-Total | 0.05379400252022826 | 0.17574899157103285 | 0.14442022262761847 | 0.15887011700231057 | 0.1325280504514223 | 0.18611092327560907 | - | 0.2385561920290006 | 0.003953869066595612 | 0.12566593932760728
(2) Commerce de détail
Produits pétroliers | 0.0016306045852460588 | 0.004136870968771886 | 0.0020394696226278533 | 0.004656476306401686 | 0.005327602275773535 | 0.001816953256509678 | - | 0 | 0 | 0.0035636109392764
Produits pharmaceutiques | 0.0006464843198645245 | 0 | 7.665522335159154e-05 | 0.00024274392516432204 | 0.00030367438259431125 | 0.002510514809318595 | - | 0 | 0.0003396125866062434 | 0.0004778901671945902
Véhicules automobiles | 0.0008716812754951422 | 0 | 0.002526566716186935 | 0.04866533354171141 | 0.08230352877894581 | 0.013535199456850977 | - | 0 | 0 | 0.040255138968009335
Produits alimentaires | 0.00018125803121402052 | 0 | 0.014151998804597736 | 0.042092286065032514 | 0.02048988447298308 | 0.01547758260129214 | - | 0 | 0.0015755742036722457 | 0.020821624481638035
Librairie ,papeterie | 9.816482024833227e-05 | 0 | 2.0168835596671893e-07 | 0.0014537786411328681 | 0.0010011501735879833 | 0.0018574851853608999 | - | 0 | 0.00017920268897997428 | 0.0008970310818760703
Appareils électro- ménagers électroni.équip. inform. | 0.001448389626458537 | 0 | 0.004883169289992292 | 0.012047107140447065 | 0.008217852837929918 | 0.02602779720331951 | - | 0.09208511487706537 | 0 | 0.00964334866964356
Matériaux de construction | 0 | 0.0007140036746158914 | 0 | 0.009989488240566566 | 0.01313912728677147 | 0 | - | 0 | 0 | 0.006866559676073417
Autres | 0.003522211166164572 | 0.26457760374192624 | 0.00603995361386631 | 0.03557169204817799 | 0.02256507885600791 | 0.008637271878880168 | - | 0 | 0.0003422972710853441 | 0.02376797389194998
S-Total | 0.008398793824691188 | 0.26942847838531403 | 0.029718014958978686 | 0.15471890590863444 | 0.15334789906459403 | 0.06986280439153196 | - | 0.09208511487706537 | 0.0024366867503438075 | 0.10629317787566138
[Secteur d'activité sept.16 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 septembre 2016
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 779906 | 752719.59231 | 1148325.37901 | 8087013.119 | 7564527.88 | 1870000.4768 | 699.06 | 301870.01992 | 19042 | 20524103.527039997
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2155792 | 138217.2978 | 244824.73188999997 | 5000796.137 | 3096956.16 | 2910779.047 | 315297.13 | 77535.02437 | 728097 | 14668294.52806
Industries Manufacturières ( 200 à 290 ) | 608856 | 9251.597450000001 | 1101117.3765099999 | 4927196.5260000015 | 5260136.620000001 | 1309556.797 | 26932.01 | 533578.34192 | 369847 | 14146472.268880002
Prêts aux Particuliers ( 1560 ) | 3382134 | 146726.18811000002 | 1039550.45393 | 2035162.21 | 1518853.34 | 178451.55 | 152863.59 | 0 | 638962 | 9092703.33204
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 2329043 | 341079.59718 | 1506968.96168 | 1559807.4570000002 | 6530689.43 | 501476.606 | 3683184.04 | 0 | 806477 | 17258726.09186
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1807737 | 153123.54994 | 221542.38367 | 202416.528 | 834524.9700000001 | 70209.685 | 0 | 0 | 153854 | 3443408.1166100004
Bâtiments et Travaux Publics ( 600 ) | 1030319 | 109011.81542 | 711550.24454 | 2808784.442 | 729233.77 | 350449.88648000004 | 0 | 0 | 263587 | 6002936.158439999
Électricité, Gaz et Eau ( 300 à 500 ) | 446347 | 9049.497860000001 | 620443.71519 | 1159444.652 | 191867.8 | 111960.576 | 0 | 0 | 0 | 2539113.24105
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 8.85384 | 7954.259 | 734085.4299999999 | 0 | 0 | 0 | 0 | 742048.5428399999
Total | 12540134 | 1659179.13607 | 6594332.10026 | 25788575.33 | 26460875.4 | 7302884.624279999 | 4178975.83 | 912983.38621 | 2979866 | 88417805.80682
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.06219279634491944 | 0.4536698756307427 | 0.17413823895292202 | 0.3135889833197699 | 0.2858759495160164 | 0.25606326445070543 | 0.00016728022090522595 | 0.33064130681844117 | 0.006390220231379532 | 0.23212636119790359
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.17191140062777638 | 0.08330462624270167 | 0.03712653960517807 | 0.19391517650773615 | 0.11703906666670598 | 0.3985793555224046 | 0.07544842153346458 | 0.0849249017464221 | 0.24433883939747628 | 0.16589751797401625
Industries Manufacturières ( 200 à 290 ) | 0.0485525912243043 | 0.005576008791861809 | 0.166979363454653 | 0.19106121462507336 | 0.1987892139048431 | 0.17932048284675056 | 0.006444643638917624 | 0.5844337914351367 | 0.12411531256774634 | 0.15999573999594582
Prêts aux Particuliers ( 1560 ) | 0.26970477348966126 | 0.08843299974078851 | 0.1576430240583444 | 0.07891720205390657 | 0.05739996568669834 | 0.024435761918886096 | 0.03657919935851842 | 0 | 0.21442642051689573 | 0.10283792103941405
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.18572712221416454 | 0.20557129110717673 | 0.2285248814842952 | 0.06048443688882135 | 0.24680549419767117 | 0.06866829092886584 | 0.8813604552481942 | 0 | 0.27064203558146577 | 0.19519514123170842
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.14415611507819615 | 0.09228873881737372 | 0.03359587905214314 | 0.007849077562827897 | 0.03153807111007371 | 0.00961396607123888 | 0 | 0 | 0.05163118073094562 | 0.03894473613305158
Bâtiments et Travaux Publics ( 600 ) | 0.08216172171684928 | 0.06570225785156018 | 0.10790330752555595 | 0.10891584378189843 | 0.027558943495875426 | 0.047987871164615496 | 0 | 0 | 0.08845599097409078 | 0.06789284243894876
Électricité, Gaz et Eau ( 300 à 500 ) | 0.03559347930412865 | 0.005454201817794681 | 0.09408742322297316 | 0.04495962406466135 | 0.007250999715602758 | 0.01533100709653322 | 0 | 0 | 0 | 0.028717216152112975
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1.3426439350318606e-06 | 0.00030844119530506846 | 0.02774229570651317 | 0 | 0 | 0 | 0 | 0.008392523836898504
Total | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1.0000000000000002 | 1
[Secteur d'activité juin 16 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2016
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 7641.554 | 82076.32 | 2003.886 | 0 | 0 | 0 | 91721.76000000001
200 | Industrie alimentaire | 351505 | 5780.0034000000005 | 232348 | 429346.733 | 1268610.73 | 194407.615 | 0 | 140535.88934 | 192385 | 2814918.9707400007
210 | Industrie des boissons | 1228 | 0 | 3085 | 982813.872 | 2130703.81 | 140909.228 | 0 | 244488.9683 | 69130 | 3572358.8783
220 | Industrie du bois | 13139 | 48.68306 | 143 | 1209.002 | 0 | 1121.229 | 0 | 0 | 0 | 15660.91406
230 | Industrie chimique | 0 | 0 | 26599 | 331900.712 | 71039.18 | 86674.929 | 0 | 135024.67799 | 0 | 651238.49899
240 | Industrie du textile | 252664 | 0 | 211570 | 772048.106 | 123954.46 | 185900.851 | 0 | 0 | 10987 | 1557124.4170000001
250 | Industrie pharmacie | 0 | 0 | 153 | 10601.085 | 8798.7 | 31009.916 | 0 | 0 | 0 | 50562.701
260 | Imprimerie, édition | 426110 | 133.4868 | 6621 | 165027.037 | 121272.84 | 56677.751 | 0 | 0 | 4565 | 780407.1148000001
270 | Sidérurgie, aciérie | 0 | 0 | 141486 | 455702.936 | 81269.24 | 286892.94 | 0 | 0 | 50312 | 1015663.1159999999
280 | Industrie de la fabrication | 62125 | 3571.18483 | 107245 | 1097222.513 | 410160.21 | 106405.657 | 0 | 2209.39352 | 5077 | 1794015.95835
290 | Autres industries | 0 | 0 | 15719 | 126722.53 | 397161.27 | 63180.634 | 0 | 0 | 0 | 602783.434
300 | Production et distribution de l'électricité | 308289 | 0 | 287232 | 1090414.871 | 62893.9 | 238.801 | 0 | 78439.51105 | 0 | 1827508.08305
400 | Production et distribution de gaz | 0 | 2366.73555 | 1390 | 2966.934 | 112584.23 | 110029.288 | 0 | 0 | 0 | 229337.18755
500 | Traitement et distribution de l'eau | 0 | 5446.20654 | 329288 | 49519.873 | 38727.42 | 0 | 0 | 0 | 0 | 422981.49954
600 | Entrep/ batiment et corps/ métiers corresp. | 1037167 | 103320.80734 | 630040 | 2922712.673 | 558558.42 | 322399.079 | 0 | 0 | 343891 | 5918088.97934
700 | Commerce de gros(1) | 795584 | 302411.91104000004 | 937466 | 3955374.707 | 2904491.1 | 901101.56 | 0 | 0 | 38436 | 9834865.278040001
800 | Commerce de détail(2) | 112223 | 309282.21386 | 252270 | 3540223.815 | 3838202.34 | 590120.703 | 976.35 | 219335.64534000002 | 7112 | 8869746.0672
900 | Rest/débits/boissons, casinos/activités/loterie | 96038 | 0 | 16459 | 24265.352 | 22399.4 | 34664.245 | 0 | 0 | 40 | 193865.997
1000 | Hotels,motels et pensions | 395855 | 0 | 31067 | 1397934.103 | 59244.35 | 784205.434 | 317525.88 | 0 | 0 | 2985831.767
1100 | Transport | 1554313 | 152884.53365 | 92419 | 61328.091 | 655729.32 | 35197.837 | 0 | 266599.47722 | 0 | 2818471.25887
1200 | Immobilier résidentiel / Avance Hypothécaire | 1394969 | 313445.49375 | 820815 | 258007.947 | 1570107.39 | 408753.777 | 2428502.02 | 0 | 799993 | 7994593.62775
1300 | Immobilier commercial | 679838 | 30206.472719999998 | 299085 | 994917.856 | 4708091.56 | 65250.352 | 1166713.92 | 0 | 19914 | 7964017.16072
1400 | Télécommunications | 309684 | 0 | 1937 | 149013.612 | 206746.26 | 748.646 | 0 | 0 | 238979 | 907108.5179999999
1500 | Services financiers | 87834 | 97327.28409 | 126258 | 1372830.564 | 1905198.12 | 1265374.71 | 0 | 0 | 1032237 | 5887059.6780900005
1510 | Services professionnels | 907374 | 27184.64624 | 126959 | 576492.22 | 170534.24 | 170042.2 | 0 | 0 | 72278 | 2050864.30624
1520 | Services médicaux | 0 | 1101.76905 | 3510 | 42628.315 | 4106.41 | 45914.378 | 0 | 0 | 1380 | 98640.87205
1530 | Services d'agence ou de représentation | 1729 | 1058.40156 | 16 | 19665.103 | 18428.8 | 72.765 | 0 | 0 | 0 | 40970.06956
1540 | Services d'enseignement | 24706 | 0 | 17421 | 157030.586 | 7961.86 | 18295.095 | 0 | 0 | 6766 | 232180.541
1550 | Autres services | 478400 | 52582.514950000004 | 5622 | 1151037.549 | 393967.7 | 441943.405 | 0 | 328.07344 | 13340 | 2537221.24239
1560 | Crédit à la consommation | 2860353 | 176196.2454 | 1006378 | 1832483.071 | 1455189.48 | 226771.87 | 215797.89 | 7594.5109 | 622651 | 8403415.0673
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 729409.43 | 0 | 0 | 0 | 0 | 729409.43
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 2215.05 | 0 | 0 | 0 | 0 | 2215.05
Total | 12151127 | 1584348.5938299997 | 5730601 | 23979083.321999993 | 24119833.540000003 | 6576308.780999999 | 4129516.06 | 1094556.1471000002 | 3529473 | 82894847.44393001
(1) Commerce de gros
Import-export | 8678 | 38282.444729999996 | 754600 | 974884.688 | 1203274.73 | 134705 | 0 | 0 | 0 | 3114424.86273
Produits pétroliers | 111145 | 0 | 0 | 5212.261 | 0 | 35282 | 0 | 0 | 0 | 151639.261
Produits pharmaceutiques | 0 | 361.83167 | 0 | 141785.045 | 108152.28 | 12979 | 0 | 0 | 0 | 263278.15667000005
Produits alimentaires | 447832 | 19235.82991 | 172249 | 1877821.23 | 603263.2 | 338755 | 0 | 0 | 3659 | 3462815.2599099996
Matériaux de construction | 0 | 104410.31911 | 0 | 142653.666 | 441951.57 | 372745 | 0 | 0 | 34777 | 1096537.55511
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 227930 | 140121.48562 | 10616 | 813017.817 | 547849.32 | 6635 | 0 | 0 | 0 | 1746169.62262
S-Total | 795585 | 302411.91104 | 937465 | 3955374.7070000004 | 2904491.0999999996 | 901101 | - | 0 | 38436 | 9834864.718039999
(2) Commerce de détail
Produits pétroliers | 21692 | 7117.233179999999 | 10634 | 120698.032 | 120499.19 | 10790 | 0 | 0 | 0 | 291430.45518
Produits pharmaceutiques | 0 | 0 | 187 | 7206.571 | 1025.43 | 19419 | 0 | 0 | 733 | 28571.001
Véhicules automobiles | 18156 | 0 | 27493 | 915218.07 | 1960724.54 | 118790 | 0 | 0 | 0 | 3040381.61
Produits alimentaires | 19 | 0 | 156672 | 809466.819 | 472160.61 | 167918 | 0 | 0 | 5241 | 1611477.429
Librairie ,papeterie | 1255 | 0 | 21 | 43520.698 | 36348.78 | 13099 | 0 | 0 | 658 | 94902.478
Appareils électro- ménagers électroni.équip. inform. | 17272 | 0 | 31222 | 289345.54 | 191049.31 | 190590 | 0 | 21780.72068 | 0 | 741259.57068
Matériaux de construction | 0 | 1253.0785700000001 | 0 | 321784.218 | 259718.9 | 18 | 0 | 1528.38466 | 0 | 584302.58123
Autres | 53831 | 287389.71361000004 | 26042 | 1032983.866 | 796675.59 | 69497 | 0 | 0 | 482 | 2266901.16961
S-Total | 112225 | 295760.02536 | 252271 | 3540223.814 | 3838202.3499999996 | 590121 | - | 23309.10534 | 7114 | 8659226.2947
[Secteur d'activité juin 16 %]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 juin 2016
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 0.00031867581831158384 | 0.0034028559883668252 | 0.0003047128817596803 | 0 | 0 | 0 | 0.0011064832474906297
200 | Industrie alimentaire | 0.02892776941595623 | 0.003648189181667045 | 0.040545136539780036 | 0.017905051966940245 | 0.0525961643929322 | 0.029561813697324326 | 0 | 0.12839532235266907 | 0.05450813761714567 | 0.03395770735501997
210 | Industrie des boissons | 0.00010106058475069844 | 0 | 0.0005383379509409222 | 0.04098629871719498 | 0.08833824688161591 | 0.02142679620018895 | - | 0.22336813780432146 | 0.019586493507670975 | 0.04309506547697479
220 | Industrie du bois | 0.0010812988786966017 | 3.0727492793939816e-05 | 2.4953752669222653e-05 | 5.0419024937904185e-05 | 0 | 0.00017049518770155818 | - | 0 | 0 | 0.00018892506039766855
230 | Industrie chimique | 0 | 0 | 0.004641572498242331 | 0.01384125938190024 | 0.0029452599613587543 | 0.01317987519844227 | - | 0.12336021166912688 | 0 | 0.007856199981916813
240 | Industrie du textile | 0.020793462203135563 | 0 | 0.03691933882676529 | 0.032196731444344755 | 0.005139109264350255 | 0.0282682667725544 | - | 0 | 0.0031129293240095618 | 0.018784332983461216
250 | Industrie pharmacie | 0 | 0 | 2.669877033839906e-05 | 0.0004420971751774124 | 0.0003647910747563144 | 0.004715398414623197 | - | 0 | 0 | 0.0006099619283840357
260 | Imprimerie, édition | 0.03506752912713364 | 8.425342788818298e-05 | 0.0011553761987617005 | 0.006882124507595055 | 0.005027930221777143 | 0.00861847472304692 | - | 0 | 0.0012933942262768408 | 0.009414422474543627
270 | Sidérurgie, aciérie | 0 | 0 | 0.024689556994109345 | 0.019004185017444268 | 0.0033693947292473725 | 0.04362522344280416 | - | 0 | 0.014254819345551022 | 0.012252427591316738
280 | Industrie de la fabrication | 0.005112694485046531 | 0.0022540398267827085 | 0.0187144419930824 | 0.045757483647981476 | 0.017005101188604637 | 0.016180149160182816 | - | 0.002018529178109076 | 0.0014384583760805084 | 0.021642068399528334
290 | Autres industries | 0 | 0 | 0.002742993274178398 | 0.005284711191763381 | 0.016466169608565215 | 0.009607309526362098 | - | 0 | 0 | 0.007271663469888428
300 | Production et distribution de l'électricité | 0.025371226882905593 | 0 | 0.05012249151528784 | 0.04547358447182931 | 0.0026075594549895055 | 3.63123156093178e-05 | - | 0.07166330503722772 | 0 | 0.022046099840959652
400 | Production et distribution de gaz | 0 | 0.0014938224827647684 | 0.00024255745601552088 | 0.00012373008426381084 | 0.004667703440543727 | 0.01673116206433191 | - | 0 | 0 | 0.0027666036505480445
500 | Traitement et distribution de l'eau | 0 | 0.0034375052063727696 | 0.057461337824776144 | 0.0020651278589355914 | 0.0016056255088068901 | 0 | - | 0 | 0 | 0.005102627154553897
600 | Entrep/ batiment et corps/ métiers corresp. | 0.08535562174603228 | 0.06521343077045474 | 0.10994309322879049 | 0.12188592173240044 | 0.023157639917941158 | 0.04902432196180663 | - | 0 | 0.09743409285182235 | 0.07139272417797728
700 | Commerce de gros(1) | 0.06547409141555346 | 0.19087460437538584 | 0.16358947342521316 | 0.16495103894864396 | 0.12041920169901801 | 0.13702239204512806 | - | 0 | 0.010890011058308138 | 0.11864266092886284
800 | Commerce de détail(2) | 0.009235604236545302 | 0.19521096245135175 | 0.04402156074031328 | 0.1476379963095572 | 0.15913054846065905 | 0.08973433618338489 | 0.00023643206269550142 | 0.20038775162071354 | 0.00201503170586657 | 0.10699996852276598
900 | Rest/débits/boissons, casinos/activités/loterie | 0.007903629021406821 | 0 | 0.002872124581697452 | 0.0010119382661195127 | 0.0009286714173567219 | 0.005271079286932286 | - | 0 | 1.133313670341153e-05 | 0.0023386977957964247
1000 | Hotels,motels et pensions | 0.03257763662580434 | 0 | 0.005421246392830351 | 0.0582980627002302 | 0.002456250367638316 | 0.11924705182118184 | 0.07689178959144186 | 0 | 0 | 0.03601950976530373
1100 | Transport | 0.12791513083518918 | 0.0964967774424045 | 0.016127278796761457 | 0.0025575661161214435 | 0.02718631199973032 | 0.005352217812778522 | - | 0.24356857154048134 | 0 | 0.034000560297507164
1200 | Immobilier résidentiel | 0.11480161469796177 | 0.19783871742031076 | 0.14323366781250343 | 0.010759708514932532 | 0.06509611218486044 | 0.06215550251851839 | 0.5880839267156162 | 0 | 0.22666075076930747 | 0.09644258810123915
1300 | Immobilier commercial | 0.05594855522454831 | 0.01906554708833298 | 0.05219086095856264 | 0.041491071307433874 | 0.19519585623143562 | 0.009922032886977364 | 0.282530423189588 | 0 | 0.005642202107793429 | 0.09607372962604042
1400 | Télécommunications | 0.025486031048807242 | 0 | 0.0003380099225194705 | 0.006214316452342658 | 0.008571628807352042 | 0.00011383984921191007 | - | 0 | 0.0677095419061146 | 0.01094288180714208
1500 | Services financiers | 0.007228465310254761 | 0.061430473362381256 | 0.022032244087487506 | 0.05725116951157489 | 0.0789888585607544 | 0.1924141265470789 | - | 0 | 0.29246207578298516 | 0.07101840294804815
1510 | Services professionnels | 0.07467406109737805 | 0.017158248093801072 | 0.022154569826096773 | 0.024041461979953504 | 0.007070290917107216 | 0.025856784658785936 | 0 | 0 | 0.020478411366229462 | 0.024740552271686155
1520 | Services médicaux | 0 | 0.0006954082291552939 | 0.0006125012018809196 | 0.001777729132826774 | 0.00017025034576586051 | 0.00698178560785557 | 0 | 0 | 0.0003909932162676978 | 0.001189951789424796
1530 | Services d'agence ou de représentation | 0.00014229132820354852 | 0.0006680357871504927 | 2.792028270682255e-06 | 0.0008200940267786607 | 0.0007640517074646443 | 1.1064717674180637e-05 | 0 | 0 | 0 | 0.0004942414495389731
1540 | Services d'enseignement | 0.00203322704140941 | 0 | 0.0030399952814722225 | 0.006548648415426698 | 0.0003300959762759623 | 0.002781970191676133 | 0 | 0 | 0.00191700007338206 | 0.002800904376560276
1550 | Autres services | 0.03937083366835027 | 0.03318872826016602 | 0.0009810489336109774 | 0.04800173274113287 | 0.016333765295131468 | 0.0672023500898931 | 0 | 0.0002997319423669792 | 0.003779601090587745 | 0.030607707482737976
1560 | Crédit à la consommation | 0.2353981651249304 | 0.11121052910083615 | 0.17561473918704165 | 0.07642006353590503 | 0.06033165517443284 | 0.03448315423618489 | 0.0522574284406585 | 0.0069384388549837955 | 0.1764147225378973 | 0.1013743957124001
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0.03024106401026182 | 0 | 0 | 0 | 0 | 0.00879921312954188
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 9.183521089922082e-05 | 0 | 0 | 0 | 0 | 2.6721202442627783e-05
Total | 1 | 1.0000000000000002 | 1 | 1.0000000000000004 | 1 | 1.0000000000000002 | 1 | 0.9999999999999998 | 0.9999999999999998 | 1.0000000000000002
(1) Commerce de gros
Import-export | 0.0007141724384906848 | 0.024162892484068877 | 0.13167903331605185 | 0.04065562786153616 | 0.04988735631216134 | 0.02048337517076208 | - | 0 | 0 | 0.03757078948527644
Produits pétroliers | 0.009146888185762522 | 0 | 0 | 0.0002173669831330845 | 0 | 0.0053650157215755 | - | 0 | 0 | 0.0018292965808588842
Produits pharmaceutiques | 0 | 0.00022837882484264978 | 0 | 0.005912863435856076 | 0.004483956318381789 | 0.001973599542268817 | - | 0 | 0 | 0.003176049715853342
Produits alimentaires | 0.03685518223947458 | 0.012141160086177348 | 0.030057754849796732 | 0.07831080132563545 | 0.025011084715802722 | 0.051511419442273915 | - | 0 | 0.0010366986799445696 | 0.04177358866909363
Matériaux de construction | 0 | 0.06590110252037325 | 0 | 0.005949087547859684 | 0.018323160036203132 | 0.056679972369442194 | - | 0 | 0.009853312378363569 | 0.013228054443935093
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0
Autres | 0.018757930848718806 | 0.08844107045992367 | 0.0018525107575976761 | 0.03390529179462352 | 0.022713644316469023 | 0.0010089246446531783 | - | 0 | 0 | 0.021064875278298898
S-Total | 0.0654741737124466 | 0.19087460437538578 | 0.16358929892344626 | 0.164951038948644 | 0.120419201699018 | 0.1370223068909757 | - | 0 | 0.01089001105830814 | 0.11864265417331629
(2) Commerce de détail
Produits pétroliers | 0.0017851842055473536 | 0.004492214155216195 | 0.0018556517894021936 | 0.00503347147925641 | 0.004995854958955906 | 0.0016407380430757791 | - | 0 | 0 | 0.003515664292368995
Produits pharmaceutiques | 0 | 0 | 3.263183041359885e-05 | 0.00030053571703419606 | 4.251397499487055e-05 | 0.0029528722945772524 | - | 0 | 0.00020767973009001628 | 0.0003446655839414554
Véhicules automobiles | 0.0014941823914769387 | 0 | 0.004797577077866702 | 0.038167350173904206 | 0.08129096482976805 | 0.0180633245724719 | - | 0 | 0 | 0.036677570485385246
Produits alimentaires | 1.5636409692697641e-06 | 0 | 0.02733954082652064 | 0.033757204482347404 | 0.019575616441007988 | 0.025533776711510536 | - | 0 | 0.0014849242365644955 | 0.019440019237504498
Librairie ,papeterie | 0.00010328260086492389 | 0 | 3.6645371052704594e-06 | 0.001814944191801996 | 0.0015070079127917561 | 0.001991846860634813 | - | 0 | 0.00018643009877111966 | 0.0011448537626441973
Appareils électro- ménagers électroni.équip. inform. | 0.001421431937959335 | 0 | 0.005448294166702585 | 0.012066580532481627 | 0.007920838660978586 | 0.028981303394792653 | - | 0.019899135131356657 | 0 | 0.008942167016850923
Matériaux de construction | 0 | 0.0007909108985736603 | 0 | 0.013419371111020493 | 0.010767856236208502 | 0 | - | 0.0013963510817141887 | 0 | 0.007048720146631811
Autres | 0.004430124053513719 | 0.18139298051526967 | 0.004544375014069205 | 0.043078538580007875 | 0.033029895860549954 | 0.010567782370680021 | - | 0 | 0.00013656429727610894 | 0.027346707781123906
S-Total | 0.009235768830331541 | 0.18667610556905953 | 0.044021735242080196 | 0.14763799626785418 | 0.15913054887525563 | 0.08973164424774295 | - | 0.021295486213070845 | 0.0020155983627017406 | 0.10446036830645103
[Secteur d'activité juin 16 glo]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2016
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 907807 | 611694.1249 | 1189736 | 7495598.522 | 6742693.4399999995 | 1491222.263 | 976.35 | 219335.64534000002 | 45548 | 18704611.34524
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1991936 | 179254.61589000002 | 327312 | 4741883.791999999 | 2581840.88 | 2760512.232 | 317525.88 | 328.07344 | 1126041 | 14026634.47333
Industries Manufacturières ( 200 à 290 ) | 1106771 | 9533.358090000002 | 744969 | 4372594.526000001 | 4612970.440000001 | 1153180.75 | 0 | 522258.92915 | 332456 | 12854734.003240002
Prêts aux Particuliers ( 1560 ) | 2860353 | 176196.2454 | 1006378 | 1832483.071 | 1455189.48 | 226771.87 | 215797.89 | 7594.5109 | 622651 | 8403415.0673
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 2074807 | 343651.96647000004 | 1119900 | 1252925.803 | 6278198.949999999 | 474004.129 | 3595215.94 | 0 | 819907 | 15958610.788469998
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1863997 | 152884.53365 | 94356 | 210341.70299999998 | 862475.58 | 35946.483 | 0 | 266599.47722 | 238979 | 3725579.77687
Bâtiments et Travaux Publics ( 600 ) | 1037167 | 103320.80734 | 630040 | 2922712.673 | 558558.42 | 322399.079 | 0 | 0 | 343891 | 5918088.97934
Électricité, Gaz et Eau ( 300 à 500 ) | 308289 | 7812.9420900000005 | 617910 | 1142901.6779999998 | 214205.55 | 110268.089 | 0 | 78439.51105 | 0 | 2479826.7701399997
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 7641.554 | 813700.8 | 2003.886 | 0 | 0 | 0 | 823346.2400000001
Total | 12151127 | 1584348.5938300004 | 5730601 | 23979083.322 | 24119833.540000003 | 6576308.7809999995 | 4129516.06 | 1094556.1471 | 3529473 | 82894847.44392999
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.07470969565209877 | 0.3860855668267374 | 0.20761103416552645 | 0.3125890352582011 | 0.27954975015967704 | 0.22675672822851292 | 0.00023643206269550142 | 0.20038775162071357 | 0.012905042764174708 | 0.2256426294516289
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1639301440928072 | 0.1131408937326541 | 0.05711652233334689 | 0.197750836774043 | 0.10704223458749457 | 0.41976621292107785 | 0.07689178959144186 | 0.00029973194236697923 | 0.31903941466615554 | 0.16920996787909653
Industries Manufacturières ( 200 à 290 ) | 0.09108381469471927 | 0.006017209929131875 | 0.12999840679886804 | 0.1823503620752797 | 0.19125216732320785 | 0.17535380232323067 | 0 | 0.4771422010042266 | 0.09419423239673458 | 0.1550727747214317
Prêts aux Particuliers ( 1560 ) | 0.2353981651249304 | 0.1112105291008361 | 0.17561473918704165 | 0.076420063535905 | 0.06033165517443284 | 0.034483154236184886 | 0.0522574284406585 | 0.006938438854983797 | 0.1764147225378973 | 0.10137439571240013
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.17075016992251008 | 0.21690426450864367 | 0.19542452877106606 | 0.05225077982236639 | 0.26029196841629604 | 0.07207753540549575 | 0.8706143499052041 | 0 | 0.23230295287710093 | 0.19251631772727962
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.15340116188399644 | 0.09649677744240445 | 0.016465288719280928 | 0.008771882568464099 | 0.03575794080708236 | 0.005466057661990431 | 0 | 0.2435685715404814 | 0.0677095419061146 | 0.04494344210464926
Bâtiments et Travaux Publics ( 600 ) | 0.08535562174603228 | 0.06521343077045472 | 0.10994309322879049 | 0.1218859217324004 | 0.023157639917941158 | 0.04902432196180662 | 0 | 0 | 0.09743409285182235 | 0.0713927241779773
Électricité, Gaz et Eau ( 300 à 500 ) | 0.025371226882905593 | 0.004931327689137536 | 0.1078263867960795 | 0.047662442415028684 | 0.008880888404340122 | 0.016767474379941225 | 0 | 0.07166330503722773 | 0 | 0.0299153306460616
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 0.00031867581831158373 | 0.033735755209527866 | 0.00030471288175968025 | 0 | 0 | 0 | 0.00993241757947514
Total | 1 | 0.9999999999999998 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1 | 0.9999999999999999 | 1
[Secteur d'activité mars 16]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2016
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 7534.67 | 87434.12 | 2000 | 0 | 0 | 0 | 96968.79
200 | Industrie alimentaire | 363609 | 5780 | 225599 | 423391.53 | 1558843.45 | 134810.04 | 20812.35 | 260667.81 | 160516 | 3154029.18
210 | Industrie des boissons | 1263 | 0 | 3173 | 879171.91 | 2799602.62 | 141517.82 | 0 | 244944.87 | 72183 | 4141856.22
220 | Industrie du bois | 18147 | 73.09 | 6778 | 922.01 | 0 | 0 | 0 | 0 | 0 | 25920.1
230 | Industrie chimique | 0 | 0 | 24318 | 289241.07 | 120456.73 | 91586.99 | 0 | 168523.45 | 0 | 694126.24
240 | Industrie du textile | 257038 | 0 | 229610 | 785562.47 | 127295.25 | 208975.28 | 0 | 0 | 11297 | 1619778
250 | Industrie pharmacie | 0 | 0 | 5461 | 9953.67 | 15734.84 | 18932.1 | 0 | 0 | 0 | 50081.61
260 | Imprimerie, édition | 38925 | 0 | 5151 | 119644.15 | 104728.4 | 36258.7 | 0 | 0 | 3756 | 308463.25
270 | Sidérurgie, aciérie | 376194 | 0 | 152569 | 479243.92 | 87281.38 | 224211.46 | 0 | 0 | 49833 | 1369332.7599999998
280 | Industrie de la fabrication | 63239 | 3791.36 | 109529 | 989786.37 | 472275.93 | 133043.64 | 0 | 28565.25 | 7040 | 1807270.5499999998
290 | Autres industries | 0 | 0 | 18 | 125365.32 | 330482.27 | 61524.52 | 0 | 0 | 0 | 517390.11000000004
300 | Production et distribution de l'électricité | 187454 | 0 | 321352 | 1026916.69 | 0 | 543.19 | 0 | 50974.24 | 0 | 1587240.1199999999
400 | Production et distribution de gaz | 0 | 0 | 1892 | 2421.97 | 170699.76 | 110172.77 | 0 | 0 | 0 | 285186.5
500 | Traitement et distribution de l'eau | 0 | 7180.02 | 264189 | 53100.51 | 43672.86 | 969.91 | 0 | 0 | 0 | 369112.3
600 | Entrep/ batiment et corps/ métiers corresp. | 777875 | 149023.49 | 468949 | 2985068.76 | 556600.41 | 317765.3 | 0 | 0 | 365001 | 5620282.96
700 | Commerce de gros(1) | 821812 | 217564.7 | 730946 | 3852704.81 | 3017367.2 | 792702.91 | 0 | 30881.35 | 46575 | 9510553.97
800 | Commerce de détail(2) | 99883 | 302043.19 | 243896 | 3408913.06 | 3933454.77 | 622140.35 | 1082.05 | 189544.27 | 6659 | 8807615.69
900 | Rest/débits/boissons, casinos/activités/loterie | 94513 | 0 | 7214 | 24878.16 | 21163.37 | 20981.93 | 0 | 0 | 161 | 168911.46
1000 | Hotels,motels et pensions | 355891 | 0 | 6691 | 1393462.51 | 306445.68 | 771254.99 | 319008.65 | 0 | 0 | 3152753.8299999996
1100 | Transport | 103700 | 132182.39 | 61225 | 66564.67 | 655292.14 | 32292.09 | 0 | 0 | 0 | 1051256.29
1200 | Immobilier résidentiel / Avance Hypothécaire | 1331300 | 270168.75 | 754087 | 305844.46 | 1493239.23 | 412769.92 | 2422473.81 | 0 | 788369 | 7778252.17
1300 | Immobilier commercial | 668182 | 45893.09 | 201637 | 893800.24 | 4438249.79 | 65341.5 | 969314.73 | 0 | 27081 | 7309499.35
1400 | Télécommunications | 369355 | 0 | 2435 | 151077.08 | 215303.74 | 839.17 | 0 | 0 | 256285 | 995294.99
1500 | Services financiers | 81362 | 38293.52 | 114378 | 1354371.13 | 2041172.24 | 1160405.61 | 0 | 281192.43 | 858112 | 5929286.93
1510 | Services professionnels | 913678 | 26072.68 | 62168 | 603160.52 | 174172.16 | 141931.7 | 0 | 0 | 73112 | 1994295.06
1520 | Services médicaux | 0 | 1219.36 | 3698 | 44442.05 | 46318.54 | 47531.99 | 0 | 0 | 939 | 144148.94
1530 | Services d'agence ou de représentation | 2110 | 0 | 12 | 18472.21 | 19970.68 | 344.09 | 0 | 0 | 0 | 40908.979999999996
1540 | Services d'enseignement | 24593 | 0 | 10443 | 149075.27 | 8588.1 | 19487.46 | 0 | 0 | 6718 | 218904.83
1550 | Autres services | 512446 | 19220.33 | 6417 | 1250820.03 | 280616.13 | 442721.39 | 7304.25 | 398.01 | 12433 | 2532376.1399999997
1560 | Crédit à la consommation | 2793687 | 156451.7 | 910466 | 1765165.24 | 1597667.02 | 211396.37 | 283430.03 | 0 | 610638 | 8328901.360000001
Total | 10256256 | 1374957.6700000004 | 4934301 | 23460076.459999997 | 24724128.809999995 | 6224453.19 | 4023425.87 | 1255691.68 | 3356708 | 79609998.67999999
(1) Commerce de gros
Import-export | 6340 | 38054.27 | 615322 | 1013451.29 | 1092040.13 | 131995.97 | 0 | 0 | 0 | 2897203.66
Produits pétroliers | 131296 | 0 | 0 | 4670.92 | 0 | 38365.77 | 0 | 0 | 0 | 174332.69
Produits pharmaceutiques | 0 | 361831.67 | 818 | 142728.77 | 103855.15 | 8439.78 | 0 | 0 | 0 | 617673.37
Produits alimentaires | 453310 | 19529.46 | 104060 | 1709064.88 | 795472.08 | 301592.62 | 0 | 30881.35 | 8163 | 3422073.39
Matériaux de construction | 0 | 102712.05 | 0 | 132925.07 | 442221.27 | 301746.77 | 0 | 0 | 38412 | 1018017.16
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 230866 | 56907.08 | 10747 | 849863.89 | 583778.57 | 10561.99 | 0 | 0 | 0 | 1742724.53
S-Total | 821812 | 579034.53 | 730947 | 3852704.82 | 3017367.1999999997 | 792702.9 | - | 30881.35 | 46575 | 9872024.8
(2) Commerce de détail
Produits pétroliers | 24735 | 7377.75 | 10163 | 127490.4 | 107468.31 | 19201.6 | 0 | 0 | 0 | 296436.05999999994
Produits pharmaceutiques | 0 | 0 | 9 | 7247.89 | 1126.56 | 20093.68 | 0 | 0 | 404 | 28881.13
Véhicules automobiles | 0 | 0 | 17818 | 900755.18 | 2012361.65 | 116969.86 | 0 | 129869.19 | 0 | 3177773.88
Produits alimentaires | 1000 | 0 | 130023 | 874961.29 | 520056.46 | 182744.22 | 0 | 0 | 3699 | 1712483.97
Librairie ,papeterie | 1406 | 0 | 15 | 44350.33 | 17843.59 | 11990 | 0 | 0 | 781 | 76385.92
Appareils électro- ménagers électroni.équip. inform. | 16818 | 0 | 30829 | 310385.51 | 209406.61 | 210262.96 | 0 | 0 | 0 | 777702.08
Matériaux de construction | 0 | 1340.08 | 0 | 359534.19 | 538218.27 | 141.18 | 0 | 0 | 0 | 899233.7200000001
Autres | 55923 | 280046.38 | 54918 | 784188.28 | 526973.31 | 60736.85 | 0 | 59675.08 | 1775 | 1824235.9000000004
S-Total | 99882 | 288764.21 | 243775 | 3408913.0700000003 | 3933454.76 | 622140.35 | - | 189544.27000000002 | 6659 | 8793132.66
[Secteur d'activité mars 16 % ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 mars 2016
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 0.0003211698824957709 | 0.003536388306011257 | 0.0003213133650379335 | 0 | 0 | 0 | 0.0012180478785055043
200 | Industrie alimentaire | 0.03545241070425699 | 0.0042037657784766555 | 0.04572055900116349 | 0.01804732097620794 | 0.06304947939639861 | 0.02165813379664921 | 0.005172793204712381 | 0.20758902376417754 | 0.047819470743359266 | 0.039618505618596006
210 | Industrie des boissons | 0.00012314435209105545 | 0 | 0.0006430495423769243 | 0.0374752363445622 | 0.11323362054592048 | 0.022735783478516288 | - | 0.1950676857236165 | 0.021504104616785254 | 0.052026834426270846
220 | Industrie du bois | 0.0017693591111610318 | 5.315800012956034e-05 | 0.0013736494794298118 | 3.930123593467607e-05 | 0 | 0 | - | 0 | 0 | 0.0003255884993063286
230 | Industrie chimique | 0 | 0 | 0.00492835763363443 | 0.012329076185798588 | 0.004872031323153426 | 0.014714061975297786 | - | 0.13420766632777245 | 0 | 0.00871908367678923
240 | Industrie du textile | 0.02506158192619217 | 0 | 0.04653344009617573 | 0.033485077141133926 | 0.005148624284327211 | 0.033573275213272184 | - | 0 | 0.003365499769416941 | 0.02034641410447515
250 | Industrie pharmacie | 0 | 0 | 0.0011067423734385073 | 0.0004242812258933278 | 0.0006364163575153289 | 0.0030415683791173305 | - | 0 | 0 | 0.0006290869341840819
260 | Imprimerie, édition | 0.0037952445804784905 | 0 | 0.0010439168587404782 | 0.0050999045209420436 | 0.004235878271174563 | 0.00582520245445046 | - | 0 | 0.0011189534508214596 | 0.003874679752726759
270 | Sidérurgie, aciérie | 0.03667946665917855 | 0 | 0.03092008371601165 | 0.020428063003849223 | 0.003530210535252426 | 0.03602106934633401 | - | 0 | 0.014845795344724654 | 0.0172005122811792
280 | Industrie de la fabrication | 0.006165895235064335 | 0.0027574376162431235 | 0.022197470320517537 | 0.042190244847991436 | 0.019101822904634837 | 0.02137434983264771 | - | 0.022748617718005428 | 0.00209729294296674 | 0.022701552317121582
290 | Autres industries | 0 | 0 | 3.6479331114984677e-06 | 0.005343772865094917 | 0.013366791304951144 | 0.00988432527677182 | - | 0 | 0 | 0.006499059396793851
300 | Production et distribution de l'électricité | 0.018277039886679895 | 0 | 0.06512614451368086 | 0.04377294727708658 | 0 | 8.726710337747756e-05 | - | 0.04059455104456852 | 0 | 0.019937698107244838
400 | Production et distribution de gaz | 0 | 0 | 0.0003834383026086167 | 0.00010323794145042612 | 0.006904176940340089 | 0.017699991732125147 | - | 0 | 0 | 0.003582294997219312
500 | Traitement et distribution de l'eau | 0 | 0.00522199348871591 | 0.053541322266314924 | 0.0022634414721766855 | 0.0017664064257073417 | 0.00015582252294197104 | - | 0 | 0 | 0.004636506797138412
600 | Entrep/ batiment et corps/ métiers corresp. | 0.07584395319305602 | 0.10838405665244949 | 0.09503858803911638 | 0.1272403679114011 | 0.022512437719337385 | 0.05105111891764423 | - | 0 | 0.1087377871414493 | 0.07059770196192648
700 | Commerce de gros(1) | 0.08012787512324185 | 0.15823374402500692 | 0.14813567311763104 | 0.16422388122088843 | 0.12204139620804705 | 0.1273530197437311 | - | 0.024593099159500684 | 0.013875201536743738 | 0.11946431513243183
800 | Commerce de détail(2) | 0.009738738970634118 | 0.2196745373259381 | 0.04942868300900168 | 0.14530698848370252 | 0.1590937662648426 | 0.09995100469218886 | 0.00026893747640987354 | 0.15094809738645398 | 0.001983788878865841 | 0.1106345413395
900 | Rest/débits/boissons, casinos/activités/loterie | 0.009215156095947682 | 0 | 0.0014620105259083303 | 0.001060446671707054 | 0.0008559804134105708 | 0.0033708872666451846 | - | 0 | 4.796365963318823e-05 | 0.0021217367516730627
1000 | Hotels,motels et pensions | 0.03469989438641157 | 0 | 0.001356017802724236 | 0.05939718535768149 | 0.012394599718961749 | 0.12390726806959888 | 0.0792878159825522 | 0 | 0 | 0.039602485645965094
1100 | Transport | 0.010110902067967102 | 0.09613560685108218 | 0.01240803915286076 | 0.0028373594652811294 | 0.026504154910200865 | 0.005187940051003902 | - | 0 | 0 | 0.013205078601063985
1200 | Immobilier résidentiel | 0.1298037022476818 | 0.19649241274460466 | 0.1528254964583636 | 0.01303680576324942 | 0.06039603018877818 | 0.06631424599081931 | 0.6020923184052599 | 0 | 0.23486374149911163 | 0.09770446299422048
1300 | Immobilier commercial | 0.06514872483682155 | 0.03337782027864173 | 0.04086434937795647 | 0.0380987777905989 | 0.17951086665609395 | 0.010497548620813067 | 0.2409177554947719 | 0 | 0.00806772587904578 | 0.09181634808689336
1400 | Télécommunications | 0.03601265413031812 | 0 | 0.0004934842848054871 | 0.0064397522428194165 | 0.008708243742562835 | 0.00013481826826944134 | - | 0 | 0.0763501025409419 | 0.0125021354918078
1500 | Services financiers | 0.007932914311031238 | 0.02785069012342757 | 0.023180182968165097 | 0.05773089155567058 | 0.08255790348311166 | 0.186426915678998 | - | 0.22393429412544966 | 0.25564094344816407 | 0.07447917382630963
1510 | Services professionnels | 0.08908494483757036 | 0.018962532861102548 | 0.012599150315313152 | 0.02571008329953244 | 0.007044622738316822 | 0.022802276066277237 | 0 | 0 | 0.021780863870196635 | 0.0250508113687611
1520 | Services médicaux | 0 | 0.0008868345743327498 | 0.0007494475914622963 | 0.0018943693587603937 | 0.0018734144428686954 | 0.007636331826924703 | 0 | 0 | 0.0002797383627053649 | 0.001810688888206373
1530 | Services d'agence ou de représentation | 0.00020572809415053602 | 0 | 2.431955407665645e-06 | 0.0007873891643744456 | 0.0008077404932432887 | 5.528035788795127e-05 | 0 | 0 | 0 | 0.0005138673618679176
1540 | Services d'enseignement | 0.0023978535637175983 | 0 | 0.0021164091935210274 | 0.006354423876417324 | 0.00034735703190991434 | 0.003130790674321064 | 0 | 0 | 0.0020013656237003637 | 0.0027497152823718653
1550 | Autres services | 0.04996423646211639 | 0.013978852163499693 | 0.0013004881542492037 | 0.05331696305988937 | 0.011349889500919488 | 0.07112614979758568 | 0.0018154304903348448 | 0.00031696475045530286 | 0.0037039265852138463 | 0.0318097749276335
1560 | Crédit à la consommation | 0.27238857922423154 | 0.11378655751634882 | 0.18451772601630909 | 0.07524123985740838 | 0.06461974989200844 | 0.03396223950075203 | 0.07044494894595883 | 0 | 0.181915734106154 | 0.10462129755181654
Total | 0.9999999999999999 | 0.9999999999999997 | 0.9999999999999999 | 1 | 1.0000000000000002 | 1 | 1 | 1 | 0.9999999999999999 | 1
(1) Commerce de gros
Import-export | 0.0006181592971158286 | 0.027676684766593566 | 0.12470297211297 | 0.04319897642822943 | 0.04416900342139902 | 0.02120603464607306 | - | 0 | 0 | 0.03639245959098163
Produits pétroliers | 0.012801552535350131 | 0 | 0 | 0.0001991008003730948 | 0 | 0.0061637173304856996 | - | 0 | 0 | 0.002189834102381372
Produits pharmaceutiques | 0 | 0.2631584069057194 | 0 | 0.006083900461422452 | 0.004200558523137706 | 0.0013559070559899255 | - | 0 | 0 | 0.0077587411159595315
Produits alimentaires | 0.04419838974378175 | 0.014203680903136453 | 0.02108910664347392 | 0.07284992795799268 | 0.03217391747604312 | 0.048452869801403384 | - | 0.024593099159500684 | 0.002431846916681463 | 0.04298547226153528
Matériaux de construction | 0 | 0.07470197246145037 | 0 | 0.005666011797814918 | 0.017886222539867123 | 0.04847763502901369 | - | 0 | 0.011443354620062275 | 0.01278755403692465
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0
Autres | 0.022509773546994148 | 0.04138824142855248 | 0.002178018730515224 | 0.036225964201311904 | 0.023611694247600064 | 0.0016968542741985018 | - | 0 | 0 | 0.021890774511943507
S-Total | 0.08012787512324185 | 0.42112898646545227 | 0.14797009748695916 | 0.1642238816471445 | 0.12204139620804705 | 0.12735301813716426 | - | 0.024593099159500684 | 0.013875201536743738 | 0.12400483561972597
(2) Commerce de détail
Produits pétroliers | 0.0024116987719495302 | 0.00536580155227615 | 0.0020596635673421626 | 0.00543435569007519 | 0.0043466975449720615 | 0.003084865355056192 | - | 0 | 0 | 0.003723603377906751
Produits pharmaceutiques | 0 | 0 | 1.8239665557492338e-06 | 0.0003089457109126575 | 4.556520509407588e-05 | 0.003228183968397712 | - | 0 | 0.0001203560154770686 | 0.0003627826966319955
Véhicules automobiles | 0 | 0 | 0.0036110484544822053 | 0.038395236329933094 | 0.08139262117037968 | 0.01879198966230799 | - | 0.10342442501490494 | 0 | 0.0399167684045991
Produits alimentaires | 9.750146642205499e-05 | 0 | 0.02635084483090918 | 0.037295756111103494 | 0.0210343694613683 | 0.029359080134716217 | - | 0 | 0.0011019725278457347 | 0.02151091569393806
Librairie ,papeterie | 0.00013708706178940932 | 0 | 3.039944259582056e-06 | 0.001890459738083906 | 0.0007217075326343927 | 0.0019262736234024116 | - | 0 | 0.00023266843586037273 | 0.0009595015860638374
Appareils électro- ménagers électroni.équip. inform. | 0.0016397796622861208 | 0 | 0.006247896105243681 | 0.013230370776037958 | 0.008469726541600235 | 0.033780149610218205 | - | 0 | 0 | 0.009768899546475912
Matériaux de construction | 0 | 0.0009746336409032865 | 0 | 0.01532536309559837 | 0.021768947821623977 | 0 | - | 0 | 0 | 0.011295487186409285
Autres | 0.005452574506720581 | 0.2036763648149255 | 0.011129843923181825 | 0.03342650145821392 | 0.021314130582706675 | 0.009757780827652107 | - | 0.047523672371549044 | 0.0005287918996826653 | 0.022914658086262394
S-Total | 0.009738641469167697 | 0.2100168000081049 | 0.04940416079197438 | 0.1453069889099586 | 0.1590937658603794 | 0.09992832318175084 | - | 0.15094809738645398 | 0.0019837888788658414 | 0.11045261657828734
[Secteur d'activité mars 16 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2016
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 921695 | 519607.89 | 974842 | 7261617.87 | 6950821.970000001 | 1414843.26 | 1082.05 | 220425.62 | 53234 | 18318169.660000004
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1984593 | 84805.89 | 211021 | 4838681.88 | 2898446.9000000004 | 2604659.16 | 326312.9 | 281590.44 | 951475 | 14181586.17
Industries Manufacturières ( 200 à 290 ) | 1118415 | 9644.45 | 762206 | 4102282.42 | 5616700.870000001 | 1050860.5499999998 | 20812.35 | 702701.38 | 304625 | 13688248.020000003
Prêts aux Particuliers ( 1560 ) | 2793687 | 156451.7 | 910466 | 1765165.24 | 1597667.02 | 211396.37 | 283430.03 | 0 | 610638 | 8328901.360000001
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1999482 | 316061.83999999997 | 955724 | 1199644.7 | 5931489.02 | 478111.42 | 3391788.54 | 0 | 815450 | 15087751.52
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 473055 | 132182.39 | 63660 | 217641.75 | 870595.88 | 33131.26 | 0 | 0 | 256285 | 2046551.28
Bâtiments et Travaux Publics ( 600 ) | 777875 | 149023.49 | 468949 | 2985068.76 | 556600.41 | 317765.3 | 0 | 0 | 365001 | 5620282.96
Électricité, Gaz et Eau ( 300 à 500 ) | 187454 | 7180.02 | 587433 | 1082439.17 | 214372.62 | 111685.87000000001 | 0 | 50974.24 | 0 | 2241538.9200000004
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 7534.67 | 87434.12 | 2000 | 0 | 0 | 0 | 96968.79
Total | 10256256 | 1374957.6700000002 | 4934301 | 23460076.46 | 24724128.810000002 | 6224453.1899999995 | 4023425.87 | 1255691.68 | 3356708 | 79609998.68
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.08986661409387597 | 0.3779082813509451 | 0.19756435612663273 | 0.30953086970459087 | 0.28113516247288955 | 0.22730402443592 | 0.00026893747640987354 | 0.17554119654595465 | 0.015858990415609578 | 0.23009885647193182
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.19350072775094537 | 0.06167890972236257 | 0.042766138506751004 | 0.20625175234403306 | 0.11723150782274216 | 0.41845589973823877 | 0.08110324647288705 | 0.22425125887590497 | 0.2834548015496135 | 0.17813825405278852
Industries Manufacturières ( 200 à 290 ) | 0.10904710256842264 | 0.007014361394849341 | 0.15447091695460005 | 0.17486227834740825 | 0.227174874923328 | 0.1688277697530568 | 0.005172793204712381 | 0.5596129935335719 | 0.09075111686807431 | 0.17194131700744303
Prêts aux Particuliers ( 1560 ) | 0.27238857922423154 | 0.11378655751634885 | 0.18451772601630909 | 0.07524123985740837 | 0.06461974989200843 | 0.033962239500752035 | 0.07044494894595883 | 0 | 0.181915734106154 | 0.10462129755181653
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.19495242708450336 | 0.2298702330232464 | 0.19368984583632007 | 0.05113558355384831 | 0.23990689684487204 | 0.07681179461163239 | 0.8430100739000318 | 0 | 0.2429314673781574 | 0.1895208110811138
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.046123556198285225 | 0.09613560685108219 | 0.012901523437666247 | 0.009277111708100545 | 0.03521239865276369 | 0.005322758319273344 | 0 | 0 | 0.0763501025409419 | 0.025707214092871782
Bâtiments et Travaux Publics ( 600 ) | 0.07584395319305602 | 0.1083840566524495 | 0.09503858803911638 | 0.12724036791140106 | 0.022512437719337378 | 0.05105111891764424 | 0 | 0 | 0.1087377871414493 | 0.07059770196192647
Électricité, Gaz et Eau ( 300 à 500 ) | 0.018277039886679895 | 0.005221993488715911 | 0.11905090508260441 | 0.04613962669071369 | 0.008670583366047428 | 0.0179430813584446 | 0 | 0.04059455104456852 | 0 | 0.028156499901602565
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 0.00032116988249577085 | 0.003536388306011256 | 0.0003213133650379336 | 0 | 0 | 0 | 0.0012180478785055041
Total | 1 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1 | 1 | 1 | 1 | 1 | 1
[Secteur d'activité décembre 15]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2015
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 4.3 | 3293.344 | 87196.26 | 0 | 0 | 0 | 0 | 90493.904
200 | Industrie alimentaire | 268686 | 6301.91 | 67422.95 | 237927.936 | 1455113.3 | 146509.16 | 22240.2 | 263703.94571 | 164449 | 2632354.4017100004
210 | Industrie des boissons | 1341 | 0 | 3224.62 | 874619.092 | 2647731.17 | 109587.606 | 0 | 257844.48585 | 75237 | 3969584.9738499997
220 | Industrie du bois | 12614 | 127.92 | 13891.09 | 1479.074 | 0 | 0 | 0 | 0 | 0 | 28112.084000000003
230 | Industrie chimique | 0 | 0 | 24000.33 | 307906.017 | 72731.59 | 91660.408 | 0 | 200261.53 | 0 | 696559.875
240 | Industrie du textile | 251727 | 0 | 223463.39 | 770516.697 | 131861.81 | 213049.294 | 0 | 0 | 9975 | 1600593.191
250 | Industrie pharmacie | 0 | 0 | 12830.58 | 2673.794 | 7597.47 | 18836.878 | 0 | 0 | 0 | 41938.722
260 | Imprimerie, édition | 19084 | 0 | 975.54 | 80107.091 | 53043.65 | 34688.161 | 0 | 0 | 0 | 187898.44199999998
270 | Sidérurgie, aciérie | 376194 | 0 | 160304.46 | 488485.061 | 313486.87 | 217668.187 | 0 | 0 | 48923 | 1605061.5779999997
280 | Industrie de la fabrication | 64539 | 3800.13 | 94118.93 | 1009263.273 | 506549.97 | 101715.323 | 0 | 0 | 7710 | 1787696.6260000002
290 | Autres industries | 0 | 0 | 1.13 | 111221.785 | 118141.7 | 55969.27 | 0 | 0 | 2179 | 287512.885
300 | Production et distribution de l'électricité | 209203 | 0 | 342646.22 | 1059696.588 | 108.77 | 375.153 | 0 | 48389.528770000004 | 0 | 1660419.25977
400 | Production et distribution de gaz | 0 | 300.19 | 2369.32 | 2426.681 | 287140.01 | 104749.459 | 0 | 0 | 0 | 396985.66000000003
500 | Traitement et distribution de l'eau | 0 | 8267.16 | 10062.98 | 249257.269 | 38705.94 | 0 | 0 | 0 | 0 | 306293.349
600 | Entrep/ batiment et corps/ métiers corresp. | 778773 | 131526.77 | 579807.21 | 2589740.673 | 621384.22 | 341213.665 | 0 | 0 | 375817 | 5418262.538
700 | Commerce de gros(1) | 840149 | 217749.08 | 544821.78 | 4175451.036 | 3464810.46 | 614629.179 | 1603.52 | 81190.84998999999 | 42841 | 9983245.904989997
800 | Commerce de détail(2) | 119950 | 297332.58 | 281496.41 | 2958113.836 | 3647202.55 | 625702.641 | 2373.39 | 282192.93239 | 7705 | 8222069.339389999
900 | Rest/débits/boissons, casinos/activités/loterie | 88073 | 0 | 7593.02 | 27182.119 | 20982.13 | 19016.491 | 0 | 0 | 4987 | 167833.76
1000 | Hotels,motels et pensions | 324710 | 0 | 7730.43 | 1328495.867 | 295275.98 | 734325.606 | 315287.95 | 0 | 0 | 3005825.833
1100 | Transport | 107809 | 133438.64 | 69437.82 | 68874.922 | 732263.4 | 36073.766 | 0 | 1.29836 | 0 | 1147898.84636
1200 | Immobilier résidentiel / Avance Hypothécaire | 1268052 | 264142.57 | 667063.53 | 306539.308 | 1324510.62 | 402425.232 | 2092504.71 | 0 | 791413 | 7116650.970000001
1300 | Immobilier commercial | 630863 | 46347.81 | 191571.72 | 849703.248 | 4268949.98 | 66598.942 | 999775.3 | 0 | 28472 | 7082282
1400 | Télécommunications | 404856 | 0 | 3317.47 | 155312.228 | 271563.41 | 2779.951 | 0 | 45357.6 | 312059 | 1195245.659
1500 | Services financiers | 80840 | 48572.15 | 43459.73 | 1464141.103 | 2288194.65 | 1073597.169 | 0 | 209976.37103 | 712963 | 5921744.17303
1510 | Services professionnels | 864080 | 25390.03 | 26748.73 | 567305.593 | 168236.05 | 131263.918 | 0 | 0.8425199999999999 | 76416 | 1859441.1635200002
1520 | Services médicaux | 2785 | 1242.63 | 3.18 | 42862.455 | 44309.81 | 47270.459 | 0 | 0 | 1092 | 139565.53399999999
1530 | Services d'agence ou de représentation | 1538 | 0 | 4660.47 | 19798.56 | 29298.46 | 111.483 | 0 | 0 | 0 | 55406.973000000005
1540 | Services d'enseignement | 23413 | 0 | 10705.16 | 159901.115 | 11460.99 | 20419.925 | 0 | 0 | 6074 | 231974.18999999997
1550 | Autres services | 768043 | 45754.98 | 5355.98 | 1403108.441 | 173076.06 | 410364.78 | 0 | 27948.04322 | 13886 | 2847537.2842200003
1560 | Crédit à la consommation | 2965195 | 177069.08 | 897641.5 | 1775905.857 | 1548738.56 | 222659.809 | 463700.07 | 3834.655 | 601553 | 8656297.531
Total | 10472517 | 1407363.63 | 4296729.98 | 23091310.062999997 | 24629665.839999996 | 5843261.914999999 | 3897485.14 | 1420702.08284 | 3283751 | 78342786.65084
(1) Commerce de gros
Import-export | 2137 | 43096.41 | 482665.7 | 954480.852 | 1456099.03 | 147468 | 0 | 0 | 0 | 3085946.9919999996
Produits pétroliers | 150798 | 0 | 0 | 3803.572 | 0 | 34605 | 0 | 0 | 0 | 189206.572
Produits pharmaceutiques | 0 | 361.83 | 36.56 | 131605.165 | 104828.75 | 2648 | 0 | 0 | 0 | 239480.30500000002
Produits alimentaires | 454433 | 19572.7 | 50897.8 | 1824038.656 | 861384.86 | 256308 | 0 | 81191.84998999999 | 10101 | 3557927.86599
Matériaux de construction | 0 | 95106.94 | 10827.02 | 190420.123 | 582821.6 | 163552 | 0 | 0 | 32740 | 1075467.683
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 232780 | 59611.2 | 428.21 | 1071102.668 | 459676.23 | 10048 | 0 | 0 | 0 | 1833646.3080000002
S-Total | 840148 | 217749.08000000002 | 544855.29 | 4175451.0360000003 | 3464810.47 | 614629 | - | 81191.84998999999 | 42841 | 9981675.725990001
(2) Commerce de détail
Produits pétroliers | 27275 | 7647.25 | 8240.14707 | 131358.737 | 105119.25 | 6215 | 0 | 0 | 0 | 285855.38407000003
Produits pharmaceutiques | 0 | 0 | 20.93805 | 13338.551 | 1261.87 | 16951 | 0 | 0 | 440 | 32012.35905
Véhicules automobiles | 9608 | 0 | 23921.26184 | 858223.614 | 1849649.65 | 118997 | 0 | 93609.86793000001 | 0 | 2954009.39377
Produits alimentaires | 0 | 0 | 165981.65627 | 727617.648 | 559526.3 | 200836 | 0 | 0 | 4020 | 1657981.60427
Librairie ,papeterie | 1422 | 0 | 0 | 56487.759 | 23831.83 | 11008 | 0 | 0 | 904 | 93653.589
Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 28495.04417 | 289395.635 | 200453.33 | 214205 | 0 | 0 | 0 | 732549.00917
Matériaux de construction | 16440 | 1295.69 | 52466.45965999999 | 327522.232 | 424789.19 | 147 | 0 | 0 | 0 | 822660.57166
Autres | 65205 | 288389.63 | 2370.9033999999997 | 554169.661 | 482571.14 | 57343 | 0 | 188583.06446 | 2341 | 1640973.39886
S-Total | 119950 | 297332.57 | 281496.41046 | 2958113.837 | 3647202.5600000005 | 625702 | - | 282192.93239 | 7705 | 8219695.309849999
[Secteur d'activité décem 15 (%)]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2015
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 1.000761048521834e-06 | 0.00014262265722537063 | 0.003540294073271114 | 0 | 0 | 0 | 0 | 0.0011551019292090718
200 | Industrie alimentaire | 0.025656296380325763 | 0.00447781217708461 | 0.015691688868938417 | 0.010303786807715173 | 0.05907970126159049 | 0.02507318037959283 | 0.0057062950084782104 | 0.18561523129666477 | 0.05007961931340105 | 0.03360046935070028
210 | Industrie des boissons | 0.00012804944599278283 | 0 | 0.0007504823470429016 | 0.0378765470479491 | 0.10750170900410398 | 0.018754525741637926 | - | 0.18149089028895196 | 0.022911907754272477 | 0.050669438036991726
220 | Industrie du bois | 0.001204485989375811 | 9.089335355355176e-05 | 0.0032329446031421315 | 6.405327354596357e-05 | 0 | 0 | - | 0 | 0 | 0.0003588343637212014
230 | Industrie chimique | 0 | 0 | 0.00558571986410931 | 0.013334280998347011 | 0.0029530075833136033 | 0.015686513685909287 | - | 0.1409595526175867 | 0 | 0.0088911807299432
240 | Industrie du textile | 0.0240369149078488 | 0 | 0.05200778057735897 | 0.033368253897150056 | 0.005353779903333029 | 0.036460678487317134 | - | 0 | 0.003037684647831093 | 0.020430638983185038
250 | Industrie pharmacie | 0 | 0 | 0.002986126673010064 | 0.00011579221762234756 | 0.000308468253258283 | 0.0032236922243113254 | - | 0 | 0 | 0.0005353233372577555
260 | Imprimerie, édition | 0.0018222935326817804 | 0 | 0.00022704242634302094 | 0.0034691444868846294 | 0.002153648788602485 | 0.005936437815829107 | - | 0 | 0 | 0.0023984140727266985
270 | Sidérurgie, aciérie | 0.03592202333020801 | 0 | 0.03730847894705266 | 0.021154497500023458 | 0.012728019618150047 | 0.03725114331110726 | - | 0 | 0.014898510879783515 | 0.020487675338298553
280 | Industrie de la fabrication | 0.006162701860498293 | 0.00270017635740665 | 0.021904781179663515 | 0.04370749300262428 | 0.020566660274267044 | 0.01740728457488629 | - | 0 | 0.002347924675165687 | 0.02281890525502302
290 | Autres industries | 0 | 0 | 2.6299069414643546e-07 | 0.004816607836305248 | 0.004796723624570297 | 0.009578429105894359 | - | 0 | 0.0006635704107893686 | 0.0036699343652580843
300 | Production et distribution de l'électricité | 0.01997638199107244 | 0 | 0.07974581172075419 | 0.04589157501713116 | 4.416219071204419e-06 | 6.420266718439576e-05 | - | 0.034060292692236205 | 0 | 0.02119428387415163
400 | Production et distribution de gaz | 0 | 0.0002132995294187047 | 0.0005514239924380819 | 0.00010509065935970236 | 0.011658299055510047 | 0.017926538382799843 | - | 0 | 0 | 0.005067290518644622
500 | Traitement et distribution de l'eau | 0 | 0.005874217454376024 | 0.0023420089339661037 | 0.010794418693437127 | 0.001571517057983764 | 0 | - | 0 | 0 | 0.003909656039746141
600 | Entrep/ batiment et corps/ métiers corresp. | 0.0743634982879474 | 0.09345613826897033 | 0.13494150498142307 | 0.11215217611882622 | 0.02522909665265682 | 0.0583943814197485 | - | 0 | 0.11444747180891608 | 0.06916096260589047
700 | Commerce de gros(1) | 0.08022417151483259 | 0.1547212641838698 | 0.1267991664675191 | 0.18082347968166904 | 0.14067630809561973 | 0.10518597111353344 | 0.0004114242755008939 | 0.05714839935174765 | 0.013046360701527003 | 0.12743031403112537
800 | Commerce de détail(2) | 0.011453788998385011 | 0.2112691941598633 | 0.0655141028899377 | 0.12810506757431178 | 0.1480816903360797 | 0.10708105337427785 | 0.0006089542139986196 | 0.1986292100212122 | 0.0023464020262194056 | 0.10494992188667368
900 | Rest/débits/boissons, casinos/activités/loterie | 0.008409917119256049 | 0 | 0.00176716247829006 | 0.001177157940620911 | 0.0008519047776086272 | 0.0032544307061067286 | - | 0 | 0.0015186900590209184 | 0.0021423001041309076
1000 | Hotels,motels et pensions | 0.0310059176795798 | 0 | 0.0017991426121685215 | 0.05753228653443508 | 0.01198863118639859 | 0.12567049307082107 | 0.08089522824967076 | 0 | 0 | 0.03836761444798276
1100 | Transport | 0.010294468846410085 | 0.09481461447174105 | 0.016160619895411718 | 0.0029827204178580007 | 0.029730951477659192 | 0.006173566498430699 | - | 0 | 0 | 0.014652259581676397
1200 | Immobilier résidentiel | 0.12108378530204343 | 0.18768608508093962 | 0.15524911574732 | 0.013275093841088667 | 0.053777043854525974 | 0.06886996301961934 | 0.5368858725141925 | 0 | 0.24100883410465654 | 0.0908399008286195
1300 | Immobilier commercial | 0.06023986401740861 | 0.03293236304536305 | 0.04458546869170494 | 0.036797533170779634 | 0.17332553383923624 | 0.011397562349385121 | 0.2565180530746039 | 0 | 0.008670572159703948 | 0.0904012009626934
1400 | Télécommunications | 0.03865890119825062 | 0 | 0.0007720918036371462 | 0.006726003313638845 | 0.011025866601850738 | 0.00047575327624176854 | - | 0.03192618674094545 | 0.09503126150551611 | 0.015256614043191997
1500 | Services financiers | 0.007719252210333008 | 0.03451286431211811 | 0.01011460580541298 | 0.06340658451189583 | 0.09290400709715842 | 0.1837325084203418 | - | 0.14779760905977896 | 0.21711847213750374 | 0.0755876121616936
1510 | Services professionnels | 0.08250929552083802 | 0.018040845634187664 | 0.006225369088704056 | 0.02456792583236814 | 0.006830626574184979 | 0.02246415100152156 | 0 | 0 | 0.023270948375805595 | 0.02373468245145787
1520 | Services médicaux | 0.00026593415890372867 | 0.000882948779911273 | 7.400977056510308e-07 | 0.001856215818117656 | 0.0017990422723494005 | 0.00808973817837156 | 0 | 0 | 0.00033254652986782493 | 0.0017814726788060143
1530 | Services d'agence ou de représentation | 0.00014686058757412378 | 0 | 0.0010846550799545472 | 0.0008574030640090843 | 0.0011895597849491573 | 1.907889833139544e-05 | 0 | 0 | 0 | 0.000707237709668653
1540 | Services d'enseignement | 0.002235661207329623 | 0 | 0.0024914667781846507 | 0.006924731189514235 | 0.000465332744441327 | 0.0034946105954245937 | 0 | 0 | 0.0018497139399424622 | 0.0029610153010495794
1550 | Autres services | 0.07333891174394847 | 0.032511128627077 | 0.0012465246885260402 | 0.060763483629638196 | 0.007027137969485339 | 0.07022871573608046 | - | 0.01967199426084569 | 0.004228700653612287 | 0.036347153400490745
1560 | Crédit à la consommation | 0.28314062416895575 | 0.1258161545641193 | 0.20891270900853767 | 0.07690797326590817 | 0.06288102201877052 | 0.038105395965294504 | 0.11897417266355505 | 0.0026991267531152486 | 0.18319080831646492 | 0.11049259160999203
Total | 1 | 0.9999999999999999 | 1 | 1.0000000000000002 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 0.9999984930830849 | 1 | 1
(1) Commerce de gros
Import-export | 0.00020405791654480007 | 0.03062208592103521 | 0.11233326325988956 | 0.041335067148459345 | 0.05911972332305099 | 0.0252372736572771 | - | 0 | 0 | 0.039390314334279704
Produits pétroliers | 0.014399403696360674 | 0 | 0 | 0.00016471876171697138 | 0 | 0.005922205867781986 | - | 0 | 0 | 0.002415111589574422
Produits pharmaceutiques | 0 | 0.0002570977338671172 | 0 | 0.005699337310916608 | 0.004256198629774021 | 0.00045317153988980494 | - | 0 | 0 | 0.0030568264831747887
Produits alimentaires | 0.043392911178850316 | 0.013907351009205775 | 0.01184570597568712 | 0.07899242836476048 | 0.03497346921374229 | 0.04386385613522512 | - | 0.057149103229085535 | 0.0030760554012773805 | 0.04541487503944757
Matériaux de construction | 0 | 0.06757808570056625 | 0.0025198278808295045 | 0.008246397561700786 | 0.023663398593636788 | 0.02798984580515762 | - | 0 | 0.009970305300249623 | 0.013727718006677117
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0
Autres | 0.02222770323504846 | 0.04235664381919547 | 9.965950897384525e-05 | 0.04638553053411486 | 0.018663518741430074 | 0.001719587474627175 | - | 0 | 0 | 0.023405426158406118
S-Total | 0.08022407602680426 | 0.15472126418386983 | 0.12679845662538 | 0.18082347968166906 | 0.14067630850163415 | 0.10518594047995881 | - | 0.057149103229085535 | 0.013046360701527003 | 0.1274102716115597
(2) Commerce de détail
Produits pétroliers | 0.002604435972746571 | 0.005433741384946832 | 0.001917771679476121 | 0.005688665417493165 | 0.004267993349275583 | 0.001063618247890913 | - | 0 | 0 | 0.0036487773321621443
Produits pharmaceutiques | 0 | 0 | 4.873019737675021e-06 | 0.0005776437527194621 | 5.123374422525255e-05 | 0.002900948176990968 | - | 0 | 0.00013399310727274998 | 0.00040861910098594583
Véhicules automobiles | 0.000917448976210781 | 0 | 0.00556731792580552 | 0.03716651899171201 | 0.07509844680864741 | 0.020364823917019305 | - | 0.06588986463852632 | 0 | 0.03770620780870994
Produits alimentaires | 0 | 0 | 0.03862976194515253 | 0.03151045332702396 | 0.022717575773654918 | 0.03437052846877223 | - | 0 | 0.0012242097528101248 | 0.021163168622777385
Librairie ,papeterie | 0.0001357839762876489 | 0 | 0 | 0.002446277792203409 | 0.0009676067127673221 | 0.0018838792715660773 | - | 0 | 0.00027529492948764997 | 0.0011954334662283275
Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.00663179773982446 | 0.012532664201833599 | 0.008138694666106765 | 0.03665846287843492 | - | 0 | 0 | 0.009350561046990093
Matériaux de construction | 0.0015698231857728185 | 0.0009206504789384107 | 0.01221078818176049 | 0.014183787368772991 | 0.01724705453819507 | 0 | - | 0 | 0 | 0.010500782609718151
Autres | 0.006226296887367192 | 0.20491479519049388 | 0.0005517925052390654 | 0.023999056765859512 | 0.019593085149221826 | 0.009813525533195273 | - | 0.1327393453826859 | 0.0007129042366488811 | 0.020946068796014742
S-Total | 0.011453788998385011 | 0.21126918705437914 | 0.06551410299699587 | 0.1281050676176181 | 0.14808169074209415 | 0.10705578649386968 | - | 0.1986292100212122 | 0.002346402026219406 | 0.10491961878358672
[Secteur d'activité déc. 15 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2015
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 960099 | 515081.66000000003 | 826318.19 | 7133564.8719999995 | 7112013.01 | 1240331.8199999998 | 3976.91 | 363383.78238 | 50546 | 18205315.244379997
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2153482 | 120959.79000000001 | 106256.70000000001 | 5012795.2530000005 | 3030834.13 | 2436369.8310000002 | 315287.95 | 237925.25677 | 815418 | 14229328.910769999
Industries Manufacturières ( 200 à 290 ) | 994185 | 10229.96 | 600233.0199999999 | 3884199.8200000003 | 5306257.529999999 | 989684.287 | 22240.2 | 721809.96156 | 308473 | 12837312.77856
Prêts aux Particuliers ( 1560 ) | 2965195 | 177069.08 | 897641.5 | 1775905.857 | 1548738.56 | 222659.809 | 463700.07 | 3834.655 | 601553 | 8656297.531
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1898915 | 310490.38 | 858635.25 | 1156242.556 | 5593460.600000001 | 469024.174 | 3092280.01 | 0 | 819885 | 14198932.97
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 512665 | 133438.64 | 72755.29000000001 | 224187.15000000002 | 1003826.81 | 38853.717000000004 | 0 | 45358.89836 | 312059 | 2343144.50536
Bâtiments et Travaux Publics ( 600 ) | 778773 | 131526.77 | 579807.21 | 2589740.673 | 621384.22 | 341213.665 | 0 | 0 | 375817 | 5418262.538
Électricité, Gaz et Eau ( 300 à 500 ) | 209203 | 8567.35 | 355078.51999999996 | 1311380.5380000002 | 325954.72000000003 | 105124.61200000001 | 0 | 48389.528770000004 | 0 | 2363698.268770001
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.3 | 3293.344 | 87196.26 | 0 | 0 | 0 | 0 | 90493.904
Total | 10472517 | 1407363.6300000004 | 4296729.9799999995 | 23091310.063 | 24629665.84 | 5843261.915 | 3897485.1399999997 | 1420702.0828399998 | 3283751 | 78342786.65084
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.0916779605132176 | 0.365990458343733 | 0.19231326935745682 | 0.30892854725598073 | 0.28875799843169936 | 0.21226702448781123 | 0.0010203784894995136 | 0.2557776093729599 | 0.015392762727746409 | 0.23238023591779905
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.2056317502277628 | 0.08594778735329403 | 0.024729666628946514 | 0.21708578852059912 | 0.12305624240657582 | 0.41695372660699914 | 0.08089522824967077 | 0.16747019635135937 | 0.24831907169575282 | 0.18162908825528012
Industries Manufacturières ( 200 à 290 ) | 0.09493276544693124 | 0.007268881888044809 | 0.13969530847735515 | 0.16821045706816726 | 0.21544171831118922 | 0.16937188532648548 | 0.005706295008478211 | 0.5080656742032035 | 0.09393921768124319 | 0.16386081383310555
Prêts aux Particuliers ( 1560 ) | 0.28314062416895575 | 0.12581615456411926 | 0.20891270900853773 | 0.07690797326590816 | 0.06288102201877052 | 0.0381053959652945 | 0.11897417266355506 | 0.002699126753115249 | 0.18319080831646492 | 0.11049259160999203
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.18132364931945205 | 0.2206184481263026 | 0.19983458443902496 | 0.0500726270118683 | 0.2271025776937622 | 0.08026752536900444 | 0.7934039255887965 | 0 | 0.24967940626436047 | 0.1812411017913129
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.04895337004466071 | 0.09481461447174103 | 0.01693271169904887 | 0.009708723731496845 | 0.04075681807950993 | 0.006649319774672467 | 0 | 0.03192710062712588 | 0.09503126150551611 | 0.02990887362486839
Bâtiments et Travaux Publics ( 600 ) | 0.0743634982879474 | 0.0934561382689703 | 0.1349415049814231 | 0.1121521761188262 | 0.025229096652656817 | 0.05839438141974849 | 0 | 0 | 0.11444747180891608 | 0.06916096260589047
Électricité, Gaz et Eau ( 300 à 500 ) | 0.01997638199107244 | 0.006087516983794727 | 0.0826392446471584 | 0.05679108436992798 | 0.013234232332565014 | 0.017990741049984237 | 0 | 0.034060292692236205 | 0 | 0.03017123043254241
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1.0007610485218343e-06 | 0.0001426226572253706 | 0.0035402940732711134 | 0 | 0 | 0 | 0 | 0.0011551019292090718
Total | 1 | 0.9999999999999997 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1 | 1 | 1
[Secteur d'activité septembre 15]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2015
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 6.09 | 2819.23 | 88659.57 | 0 | 0 | 0 | 0 | 91484.89000000001
200 | Industrie alimentaire | 411980 | 6301.91 | 68116.3 | 232336.11 | 1098557.65 | 157519.05 | 40840.1 | 274015.72 | 157926 | 2447592.84
210 | Industrie des boissons | 1386 | 0 | 3.78 | 768839.45 | 2440676.15 | 111255.26 | 0 | 244232.04 | 78291 | 3644683.6799999997
220 | Industrie du bois | 18282 | 261.03 | 25913.28 | 140.59 | 0 | 286.17 | 0 | 0 | 0 | 44883.06999999999
230 | Industrie chimique | 0 | 0 | 24000 | 299506.74 | 79472.34 | 79485.68 | 0 | 244696.17 | 0 | 727160.9299999999
240 | Industrie du textile | 269695 | 0 | 100891.71 | 759474.43 | 123787.13 | 196574.21 | 0 | 0 | 9056 | 1459478.48
250 | Industrie pharmacie | 0 | 0 | 5837.73 | 3090.76 | 10474.48 | 17342.66 | 0 | 0 | 0 | 36745.630000000005
260 | Imprimerie, édition | 9463 | 0 | 5469.25 | 217596.64 | 36907.59 | 28110.6 | 0 | 0 | 4542 | 302089.07999999996
270 | Sidérurgie, aciérie | 376194 | 0 | 38896.11 | 413568.79 | 316381.04 | 211187.78 | 0 | 66560.1 | 49195 | 1471982.82
280 | Industrie de la fabrication | 64909 | 3087.35 | 105408.62 | 999240.37 | 522046.02 | 117177.47 | 0 | 12507.68 | 5605 | 1829981.51
290 | Autres industries | 0 | 0 | 121.02 | 104927.18 | 88820.38 | 52184.21 | 0 | 0 | 854 | 246906.79
300 | Production et distribution de l'électricité | 356730 | 0 | 378988.13 | 1019739.65 | 204.02 | 897.21 | 0 | 126617.72 | 0 | 1883176.73
400 | Production et distribution de gaz | 0 | 0 | 2847.28 | 2587.47 | 374644.65 | 96441.07 | 0 | 0 | 0 | 476520.47000000003
500 | Traitement et distribution de l'eau | 0 | 9430.46 | 9477.34 | 284938.7 | 25848.49 | 0 | 0 | 0 | 0 | 329694.99
600 | Entrep/ batiment et corps/ métiers corresp. | 548583 | 175567.61 | 535570.48 | 2696582.92 | 589348.15 | 315028.8 | 0 | 0 | 575009 | 5435689.96
700 | Commerce de gros(1) | 771976 | 136035.79 | 334986.74 | 3758446.95 | 3033083.4 | 546479.22 | 1584.76 | 0 | 23360 | 8605952.860000001
800 | Commerce de détail(2) | 108383 | 359820.93 | 194060.44 | 2651494.27 | 3563570.78 | 575358.98 | 4070.66 | 333537.23 | 9060 | 7799356.290000001
900 | Rest/débits/boissons, casinos/activités/loterie | 81993 | 0 | 11267.53 | 15831.53 | 10986.41 | 18549.26 | 0 | 0 | 7076 | 145703.73
1000 | Hotels,motels et pensions | 277180 | 0 | 8247.69 | 1272988.94 | 291582.24 | 649669.38 | 329073.83 | 0 | 0 | 2828742.08
1100 | Transport | 114998 | 133732.47 | 67596.85 | 65345.86 | 726423.24 | 30940.75 | 0 | 1.15 | 0 | 1139038.3199999998
1200 | Immobilier résidentiel / Avance Hypothécaire | 1222698 | 259232.15 | 566377.35 | 298733.64 | 1122643.48 | 444860.38 | 1961700.44 | 0 | 805461 | 6681706.4399999995
1300 | Immobilier commercial | 600528 | 45374.93 | 237195.85 | 815883.07 | 4157762.83 | 68800.11 | 883362.28 | 0 | 32346 | 6841253.07
1400 | Télécommunications | 420990 | 0 | 3950.35 | 139370.01 | 368107.24 | 1914.25 | 0 | 32109.91 | 310317 | 1276758.76
1500 | Services financiers | 81527 | 11911.46 | 46650.62 | 1555891.64 | 2120374.62 | 992963.09 | 0 | 221620.85 | 653191 | 5684130.279999999
1510 | Services professionnels | 822829 | 24758.89 | 19443.54 | 597221.87 | 171186.55 | 126633.93 | 0 | 0 | 78309 | 1840382.78
1520 | Services médicaux | 2785 | 1253.36 | 1.25 | 47190.19 | 45047.19 | 48788.89 | 0 | 0 | 1246 | 146311.88
1530 | Services d'agence ou de représentation | 1617 | 0 | 4358.76 | 102581.81 | 31209.97 | 121.17 | 0 | 0 | 0 | 139888.71
1540 | Services d'enseignement | 24394 | 0 | 3324.4 | 80254.24 | 9876.91 | 21457.86 | 262.6 | 0 | 5871 | 145441.01000000004
1550 | Autres services | 525228 | 17530.95 | 5684.78 | 1487759.86 | 201465.51 | 403859.81 | 0 | 63300.73 | 15202 | 2720031.64
1560 | Crédit à la consommation | 3137289 | 189169.82 | 836768.23 | 2065655.48 | 1563579.03 | 198729.92 | 436689.99 | 4727.74 | 599364 | 9031973.209999999
Total | 10251637 | 1373469.1099999999 | 3641461.5 | 22760038.39 | 23212727.060000002 | 5512617.169999999 | 3657584.66 | 1623927.04 | 3421281 | 75454742.92999999
(1) Commerce de gros
Import-export | 0 | 42642.02 | 252584.63 | 935331.9 | 1177857.08 | 150857 | 0 | 0 | 0 | 2559272.63
Produits pétroliers | 169686 | 0 | 0 | 4266.03 | 8868.01 | 34721 | 0 | 0 | 0 | 217541.04
Produits pharmaceutiques | 0 | 524.77 | 0.17 | 149945.19 | 104948.74 | 17942 | 0 | 0 | 0 | 273360.87
Produits alimentaires | 289545 | 19760.55 | 62905.91 | 1699202.62 | 875248.03 | 228958 | 0 | 0 | 17785 | 3193405.1100000003
Matériaux de construction | 0 | 0 | 9957.13 | 181410.73 | 405308.95 | 108156 | 0 | 0 | 5575 | 710407.81
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 312745 | 73108.46 | 9538.9 | 788290.48 | 460852.6 | 5844 | 0 | 0 | 0 | 1650379.44
S-Total | 771976 | 136035.8 | 334986.74000000005 | 3758446.95 | 3033083.4100000006 | 546478 | - | 0 | 23360 | 8604366.9
(2) Commerce de détail
Produits pétroliers | 26912 | 7881.18 | 911.85 | 117152.94 | 98952.68 | 10308 | 0 | 0 | 0 | 262118.65
Produits pharmaceutiques | 0 | 0 | 593.31 | 8461.62 | 1136.07 | 17933 | 0 | 0 | 642 | 28766
Véhicules automobiles | 18869 | 0 | 9319 | 774669.67 | 1611447.82 | 93100 | 0 | 86955.62 | 0 | 2594361.1100000003
Produits alimentaires | 0 | 0 | 102944.43 | 698361.59 | 552338.86 | 191347 | 0 | 0 | 4240 | 1549231.88
Librairie ,papeterie | 1500 | 0 | 0 | 45134.64 | 23631.03 | 10128 | 0 | 0 | 1028 | 81421.67
Appareils électro- ménagers électroni.équip. inform. | 15119 | 0 | 77460.23 | 273009.17 | 205223.76 | 208260 | 0 | 0 | 0 | 779072.1599999999
Matériaux de construction | 0 | 1303.54 | 0 | 271101.18 | 260423.76 | 1 | 0 | 0 | 0 | 532829.48
Autres | 45984 | 350636.2 | 2831.61 | 463603.47 | 810416.79 | 44283 | 0 | 246581.6 | 3151 | 1967487.6700000002
S-Total | 108384 | 359820.92000000004 | 194060.43 | 2651494.2799999993 | 3563570.7699999996 | 575360 | - | 333537.22 | 9061 | 7795288.620000001
[Secteur d'activité septem 15 %]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2015
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 1.6724054339171236e-06 | 0.00012386754150813187 | 0.0038194379217415396 | 0 | 0 | 0 | 0 | 0.001212447176248037
200 | Industrie alimentaire | 0.04018675261326557 | 0.0045883157867307265 | 0.018705758663108207 | 0.010208071973291604 | 0.04732566092559742 | 0.028574276998088736 | 0.011165865946080383 | 0.16873647229865693 | 0.04615990326430364 | 0.03243789250293587
210 | Industrie des boissons | 0.00013519792009802922 | 0 | 1.0380447520864905e-06 | 0.03378023520108834 | 0.10514387834274563 | 0.020181931117121275 | - | 0.1503959438965928 | 0.022883533974555146 | 0.04830291030719174
220 | Industrie du bois | 0.0017833249460549568 | 0.0001900515986122178 | 0.007116175744271908 | 6.177054607331882e-06 | 0 | 5.1911821767227865e-05 | - | 0 | 0 | 0.0005948343107024882
230 | Industrie chimique | 0 | 0 | 0.006590760330707876 | 0.013159324903933081 | 0.003423653747988367 | 0.014418864497350904 | - | 0.15068175107177229 | 0 | 0.009637047344718852
240 | Industrie du textile | 0.026307505815900425 | 0 | 0.0277063783318868 | 0.03336876752957006 | 0.005332726727025066 | 0.03565896269194402 | - | 0 | 0.002646961766659915 | 0.01934243525756851
250 | Industrie pharmacie | 0 | 0 | 0.0016031283043909704 | 0.0001357976619827661 | 0.0004512386663111869 | 0.0031459939018402766 | - | 0 | 0 | 0.000486989002587806
260 | Imprimerie, édition | 0.0009230720908280307 | 0 | 0.0015019381641135023 | 0.009560468935571071 | 0.0015899721693449314 | 0.0050993201837014205 | - | 0 | 0.0013275729178632214 | 0.004003579738920462
270 | Sidérurgie, aciérie | 0.03669599303994084 | 0 | 0.010681455783618747 | 0.018170830071258064 | 0.013629636844573313 | 0.03830989410062735 | - | 0.04098712464323521 | 0.014379117061708758 | 0.019508154992530703
280 | Industrie de la fabrication | 0.006331574167130576 | 0.0022478481514593366 | 0.028946789633777534 | 0.04390328139512422 | 0.022489646246674128 | 0.021256232092024634 | - | 0.00770211942526679 | 0.0016382752542103381 | 0.02425270352716846
290 | Autres industries | 0 | 0 | 3.323390896759447e-05 | 0.004610149517414764 | 0.0038263655868790453 | 0.009466322146219345 | - | 0 | 0.00024961410652910417 | 0.003272250098698998
300 | Production et distribution de l'électricité | 0.034797369434754664 | 0 | 0.10407583054221499 | 0.04480395122918771 | 8.789143967128522e-06 | 0.00016275572424703677 | - | 0.07797007924691 | 0 | 0.024957698573660758
400 | Production et distribution de gaz | 0 | 0 | 0.0007819058364340801 | 0.0001136847818823033 | 0.016139622416255644 | 0.01749460683118687 | - | 0 | 0 | 0.006315315002028065
500 | Traitement et distribution de l'eau | 0 | 0.006866160972488125 | 0.002602619854692958 | 0.012519253927321693 | 0.0011135481812708653 | 0 | - | 0 | 0 | 0.0043694402392419635
600 | Entrep/ batiment et corps/ métiers corresp. | 0.05351174646546693 | 0.127827854825217 | 0.14707569474509066 | 0.11847883882238038 | 0.025389009592740198 | 0.05714686695720611 | - | 0 | 0.16806833463840007 | 0.07203907599344332
700 | Commerce de gros(1) | 0.07530270531428297 | 0.09904539462121578 | 0.09199238822104806 | 0.16513359448687645 | 0.13066467339921412 | 0.09913244528823323 | 0.00043328046984973954 | 0 | 0.006827851906931936 | 0.11405449844264684
800 | Commerce de détail(2) | 0.010572262751792714 | 0.26197963054298323 | 0.053291910404654835 | 0.11649779427283294 | 0.15351797187762217 | 0.10437129266496845 | 0.0011129366449169216 | 0.20538929507571965 | 0.0026481309193837044 | 0.1033646923591739
900 | Rest/débits/boissons, casinos/activités/loterie | 0.007998039727703975 | 0 | 0.0030942329062108717 | 0.0006955845033616395 | 0.0004732925162822295 | 0.003364873603221753 | - | 0 | 0.0020682311683840058 | 0.0019310082354288929
1000 | Hotels,motels et pensions | 0.027037633111667923 | 0 | 0.002264939502999002 | 0.05593087841887423 | 0.012561309114880015 | 0.11785135081310211 | 0.08997025649161597 | 0 | 0 | 0.037489254752670065
1100 | Transport | 0.01121752555226058 | 0.09736838566394844 | 0.018563109894200448 | 0.0028710786370514554 | 0.031294179185511 | 0.005612715167013857 | - | 7.08159893685864e-07 | 0 | 0.01509564907081713
1200 | Immobilier résidentiel | 0.11926856169409822 | 0.18874261394928643 | 0.15553572377464378 | 0.01312535747440802 | 0.04836327403920287 | 0.08069858041674968 | 0.5363376715386815 | 0 | 0.2354267305140969 | 0.08855250419710098
1300 | Immobilier commercial | 0.05857874210723614 | 0.03303673134665548 | 0.065137541616189 | 0.03584717459696692 | 0.1791156557888722 | 0.012480480301518927 | 0.24151519708090638 | 0 | 0.00945435350092553 | 0.0906669720728714
1400 | Télécommunications | 0.04106563663929966 | 0 | 0.0010848254196838274 | 0.0061234523251610384 | 0.015857991999325215 | 0.00034724885493907795 | - | 0.019773000392924057 | 0.09070199144706324 | 0.016920854944591886
1500 | Services financiers | 0.007952583572750381 | 0.008672535780582644 | 0.012810960654121979 | 0.06836067731254823 | 0.09134534751213329 | 0.18012553010279148 | - | 0.13647217180397464 | 0.19092000920123195 | 0.07533164993051816
1510 | Services professionnels | 0.08026318138264162 | 0.018026535740581745 | 0.00533948800502216 | 0.026239932453822192 | 0.0073746849974808595 | 0.022971653226556275 | 0 | 0 | 0.0228887951618122 | 0.02439055132302735
1520 | Services médicaux | 0.00027166393035570806 | 0.000912550556015053 | 3.4326876722436855e-07 | 0.002073379191694764 | 0.0019406246359405562 | 0.008850404171998762 | 0 | 0 | 0.00036419107346049624 | 0.001939068033612344
1530 | Services d'agence ou de représentation | 0.0001577309067810341 | 0 | 0.001196980937461511 | 0.004507101800191647 | 0.0013445197507095487 | 2.1980485178512773e-05 | 0 | 0 | 0 | 0.0018539419070021342
1540 | Services d'enseignement | 0.0023795224118840727 | 0 | 0.0009129301518085528 | 0.0035261030155055027 | 0.00042549546093702267 | 0.003892499576566824 | 7.179601414885636e-05 | 0 | 0.0017160239103423541 | 0.001927526413216024
1550 | Autres services | 0.05123357372095793 | 0.012763992923000652 | 0.0015611259380333966 | 0.06536719466403326 | 0.008679097009121513 | 0.07326099338039105 | - | 0.038980033240902254 | 0.004443364926762812 | 0.036048517752202754
1560 | Crédit à la consommation | 0.306028100682847 | 0.1377313975412232 | 0.22978911901169352 | 0.09075799630055018 | 0.0673586961996528 | 0.03605001288344499 | 0.11939299581380024 | 0.002911300744151658 | 0.1751870132853747 | 0.11970053649747422
Total | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 0.9999999999999999 | 1.0000000000000002
(1) Commerce de gros
Import-export | 0 | 0.03104694506016229 | 0.06936353164793861 | 0.04109535686947494 | 0.05074186574268021 | 0.02736576753796238 | - | 0 | 0 | 0.0339179822317367
Produits pétroliers | 0.016552088217715862 | 0 | 0 | 0.00018743509685266395 | 0.00038203223503546416 | 0.006298460228465313 | - | 0 | 0 | 0.0028830664786945823
Produits pharmaceutiques | 0 | 0.0003820763031212257 | 4.668455234251413e-08 | 0.006588090381511874 | 0.004521172360693755 | 0.0032547154004528857 | - | 0 | 0 | 0.0036228454221042036
Produits alimentaires | 0.028243781944288508 | 0.014387327575208445 | 0.017274907341461664 | 0.07465728268483822 | 0.03770552368697002 | 0.04153344825866079 | - | 0 | 0.00519834529815002 | 0.04232212563446872
Matériaux de construction | 0 | 0 | 0.0027343773921542215 | 0.007970581019744932 | 0.017460634804017723 | 0.019619719030842843 | - | 0 | 0.0016295066087819153 | 0.009415018624595295
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0
Autres | 0.030506835152278606 | 0.05322905296355738 | 0.002619525154941223 | 0.0346348484344538 | 0.019853445000615103 | 0.001060113521360309 | - | 0 | 0 | 0.021872441359068323
S-Total | 0.07530270531428297 | 0.09904540190204933 | 0.09199238822104808 | 0.16513359448687642 | 0.1306646738300123 | 0.0991322239777445 | - | 0 | 0.006827851906931935 | 0.11403347975066783
(2) Commerce de détail
Produits pétroliers | 0.0026251417212685155 | 0.005738155989543879 | 0.0002504077003148324 | 0.005147308541073159 | 0.004262863201907652 | 0.0018698922276150008 | - | 0 | 0 | 0.0034738525349316965
Produits pharmaceutiques | 0 | 0 | 0.00016293183382551208 | 0.00037177529558639734 | 4.894168604419027e-05 | 0.003253082782093501 | - | 0 | 0.00018764901216824926 | 0.0003812351468308157
Véhicules automobiles | 0.0018405840940329823 | 0 | 0.0025591373134111126 | 0.03403639557745052 | 0.06942087484313013 | 0.016888529917632573 | - | 0.05354650662138121 | 0 | 0.03438300906288702
Produits alimentaires | 0 | 0 | 0.028270086062972242 | 0.030683673640323764 | 0.023794656206154518 | 0.03471073613479313 | - | 0 | 0.001239301887217098 | 0.020531935036041876
Librairie ,papeterie | 0.00014631809534418748 | 0 | 0 | 0.001983065196402773 | 0.001018020413496388 | 0.0018372398604273117 | - | 0 | 0.0003004722500139568 | 0.0010790795493867838
Appareils électro- ménagers électroni.équip. inform. | 0.0014747888556725136 | 0 | 0.02127174212881284 | 0.011995110259565778 | 0.008841001725886833 | 0.03777878883615639 | - | 0 | 0 | 0.010325025700806532
Matériaux de construction | 0 | 0.0009490857788567229 | 0 | 0.011911279557380394 | 0.011219007543872787 | 0 | - | 0 | 0 | 0.0070615770369042334
Autres | 0.0044855275308714115 | 0.2552923814937491 | 0.0007776026191681555 | 0.020369186644416726 | 0.034912605826331544 | 0.008033026534291336 | - | 0.1518427822964263 | 0.000921000058165348 | 0.026075069552953817
S-Total | 0.010572360297189609 | 0.2619796232621497 | 0.053291907658504695 | 0.11649779471219951 | 0.15351797144682405 | 0.10437129629300923 | - | 0.20538928891780753 | 0.002648423207564652 | 0.10331078362074278
[Secteur d'activité sept 15 glo]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2015
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 880359 | 495856.72 | 529047.1799999999 | 6409941.220000001 | 6596654.18 | 1121838.2 | 5655.42 | 333537.23 | 32420 | 16405309.15
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1817553 | 55454.66 | 98978.56999999999 | 5159720.08 | 2881729.4000000004 | 2262043.39 | 329336.43 | 284921.58 | 760895 | 13650632.110000001
Industries Manufacturières ( 200 à 290 ) | 1151909 | 9650.289999999999 | 374657.80000000005 | 3798721.06 | 4717122.779999999 | 971123.09 | 40840.1 | 842011.7100000001 | 305469 | 12211504.83
Prêts aux Particuliers ( 1560 ) | 3137289 | 189169.82 | 836768.23 | 2065655.48 | 1563579.03 | 198729.92 | 436689.99 | 4727.74 | 599364 | 9031973.209999999
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1823226 | 304607.08 | 803573.2 | 1114616.71 | 5280406.3100000005 | 513660.49 | 2845062.7199999997 | 0 | 837807 | 13522959.510000002
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 535988 | 133732.47 | 71547.20000000001 | 204715.87 | 1094530.48 | 32855 | 0 | 32111.06 | 310317 | 2415797.08
Bâtiments et Travaux Publics ( 600 ) | 548583 | 175567.61 | 535570.48 | 2696582.92 | 589348.15 | 315028.8 | 0 | 0 | 575009 | 5435689.96
Électricité, Gaz et Eau ( 300 à 500 ) | 356730 | 9430.46 | 391312.75000000006 | 1307265.82 | 400697.16000000003 | 97338.28000000001 | 0 | 126617.72 | 0 | 2689392.1900000004
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 6.09 | 2819.23 | 88659.57 | 0 | 0 | 0 | 0 | 91484.89000000001
Total | 10251637 | 1373469.1099999999 | 3641461.4999999995 | 22760038.390000004 | 23212727.06 | 5512617.17 | 3657584.6599999997 | 1623927.04 | 3421281 | 75454742.92999999
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.0858749680660757 | 0.361025025164199 | 0.14528429862570288 | 0.28163138875970933 | 0.28418264527683634 | 0.20350373795320162 | 0.0015462171147666616 | 0.20538929507571965 | 0.00947598282631564 | 0.2174191908018207
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.17729392876474265 | 0.040375615000180096 | 0.0271810013644247 | 0.22670085136003143 | 0.12414437099748506 | 0.41033928535980674 | 0.09004205250576483 | 0.1754522050448769 | 0.2224006154419938 | 0.18091151834767774
Industries Manufacturières ( 200 à 290 ) | 0.11236342059321842 | 0.00702621553680228 | 0.10288665690959525 | 0.16690310424384128 | 0.2032127792571391 | 0.17616370955068517 | 0.011165865946080385 | 0.518503411335524 | 0.08928497834583012 | 0.1618387970830239
Prêts aux Particuliers ( 1560 ) | 0.306028100682847 | 0.1377313975412232 | 0.22978911901169355 | 0.09075799630055016 | 0.06735869619965282 | 0.03605001288344498 | 0.11939299581380025 | 0.002911300744151658 | 0.1751870132853747 | 0.11970053649747422
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.17784730380133437 | 0.22177934529594193 | 0.2206732653908328 | 0.04897253207137493 | 0.22747892982807513 | 0.09317906071826859 | 0.7778528686195879 | 0 | 0.24488108401502245 | 0.1792194762699724
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.052283162191560234 | 0.09736838566394844 | 0.01964793531388428 | 0.008994530962212493 | 0.04715217118483622 | 0.005959964021952934 | 0 | 0.019773708552817744 | 0.09070199144706324 | 0.03201650401540902
Bâtiments et Travaux Publics ( 600 ) | 0.05351174646546693 | 0.127827854825217 | 0.1470756947450907 | 0.11847883882238036 | 0.0253890095927402 | 0.0571468669572061 | 0 | 0 | 0.16806833463840007 | 0.07203907599344332
Électricité, Gaz et Eau ( 300 à 500 ) | 0.034797369434754664 | 0.006866160972488125 | 0.10746035623334206 | 0.0574368899383917 | 0.01726195974149364 | 0.017657362555433903 | 0 | 0.07797007924691 | 0 | 0.035642453814930794
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1.6724054339171238e-06 | 0.00012386754150813184 | 0.00381943792174154 | 0 | 0 | 0 | 0 | 0.001212447176248037
Total | 1 | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1
[Secteur d'activité juin 15 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2015
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 999.73 | 90224.1 | 0 | 0 | 0 | 0 | 91223.83
200 | Industrie alimentaire | 505062 | 6306.91 | 50390.73 | 283914.84 | 1131463.34 | 173287.39 | 39105.43 | 331324.17 | 159274 | 2680128.81
210 | Industrie des boissons | 4018 | 0 | 33733.24 | 624269.44 | 2239352.61 | 110234.18 | 0 | 327162.18 | 81344 | 3420113.6500000004
220 | Industrie du bois | 16775 | 338.31 | 0 | 1321.51 | 0 | 0 | 0 | 0 | 0 | 18434.82
230 | Industrie chimique | 0 | 33.85 | 24000 | 335672.67 | 95243.54 | 86306.82 | 0 | 244003.08 | 0 | 785259.9599999998
240 | Industrie du textile | 273965 | 0 | 81819.89 | 701075.74 | 261922.46 | 155960.09 | 0 | 0 | 9162 | 1483905.18
250 | Industrie pharmacie | 0 | 0 | 18649.25 | 367.14 | 7131.69 | 17902.29 | 0 | 0 | 0 | 44050.369999999995
260 | Imprimerie, édition | 139450 | 0 | 5521.3 | 151462.56 | 128933.01 | 53117.93 | 0 | 0 | 4501 | 482985.8
270 | Sidérurgie, aciérie | 406290 | 0 | 48140.6 | 459474.86 | 343513.14 | 217091.44 | 0 | 77738.9 | 48452 | 1600700.94
280 | Industrie de la fabrication | 66297 | 1892 | 136638.93 | 995032.06 | 593335.81 | 98813.54 | 0 | 127742.55 | 3531 | 2023282.8900000001
290 | Autres industries | 0 | 0 | 0 | 124890.94 | 119423.14 | 50928.25 | 0 | 0 | 4158 | 299400.33
300 | Production et distribution de l'électricité | 618860 | 0 | 401566.4 | 1041002.6 | 595 | 944.63 | 0 | 157526.1 | 0 | 2220494.73
400 | Production et distribution de gaz | 0 | 0 | 3315.22 | 9270.91 | 776725.59 | 99056.77 | 0 | 0 | 0 | 888368.49
500 | Traitement et distribution de l'eau | 0 | 11584.96 | 8410.4 | 250092.73 | 36546.2 | 5399.96 | 0 | 0 | 0 | 312034.25000000006
600 | Entrep/ batiment et corps/ métiers corresp. | 291886 | 173117.57 | 434090.96 | 3184840.55 | 653470.88 | 304101.12 | 0 | 0 | 605502 | 5647009.08
700 | Commerce de gros(1) | 1117704 | 133431.06 | 550747.29 | 3899693.21 | 3227625.4 | 594603.64 | 7206.9 | 7806.74 | 41170 | 9579988.240000002
800 | Commerce de détail(2) | 134319 | 388895.08 | 177489.11 | 3556164.74 | 3943767.52 | 628985.18 | 5771.59 | 467668.16 | 7982 | 9311042.379999999
900 | Rest/débits/boissons, casinos/activités/loterie | 81243 | 0 | 6704.88 | 7519.99 | 11421.66 | 19462.23 | 0 | 0 | 6986 | 133337.76
1000 | Hotels,motels et pensions | 170793 | 0 | 9324.79 | 1104221.18 | 254069.57 | 649680.27 | 326541.52 | 0 | 0 | 2514630.33
1100 | Transport | 113869 | 137234.9 | 51999.97 | 281598.02 | 619451.06 | 38321.74 | 0 | 0 | 0 | 1242474.6900000002
1200 | Immobilier résidentiel / Avance Hypothécaire | 1186795 | 261272.79 | 461060.56 | 141541.59 | 1178901.47 | 440630.64 | 1944576.23 | 0 | 805116 | 6419894.28
1300 | Immobilier commercial | 600978 | 43477.1 | 70487.46 | 747726.72 | 4213379.84 | 72260.04 | 790765.18 | 0 | 35339 | 6574413.339999999
1400 | Télécommunications | 466413 | 0 | 4372.71 | 116652.63 | 458693.64 | 2532.3 | 0 | 0 | 409653 | 1458317.28
1500 | Services financiers | 67693 | 46960.86 | 50164.24 | 1650902.94 | 1978318.2 | 997723.75 | 0 | 141074.61 | 693999 | 5626836.600000001
1510 | Services professionnels | 850875 | 24727.13 | 53531.35 | 107068.49 | 206375.74 | 127075.65 | 0 | 4.2 | 24253 | 1393910.5599999998
1520 | Services médicaux | 48635 | 1346.35 | 300.81 | 11686.07 | 42371.76 | 53253.44 | 0 | 0 | 1400 | 158993.43
1530 | Services d'agence ou de représentation | 1123 | 0 | 4415.57 | 128017.05 | 34318.42 | 150.52 | 0 | 0 | 573 | 168597.55999999997
1540 | Services d'enseignement | 27979 | 0 | 15613.09 | 156004.46 | 10610.58 | 22449.7 | 225.76 | 0 | 7760 | 240642.59
1550 | Autres services | 346660 | 20795.77 | 5871.66 | 696289.92 | 189743.15 | 426727.29 | 0 | 82259.37 | 15774 | 1784121.1600000001
1560 | Crédit à la consommation | 2587182 | 228423.05 | 818510.77 | 2712987.64 | 1647559.76 | 241108.5 | 481269.96 | 6813.92 | 590874 | 9314729.6
Total | 10124864 | 1479837.6900000002 | 3526871.1799999997 | 23481762.930000003 | 24494488.28 | 5688109.300000002 | 3595462.57 | 1971123.9799999995 | 3556803 | 77919322.92999999
(1) Commerce de gros
Import-export | 862 | 39575.82 | 53775.63 | 990037.91 | 1241038.36 | 169677 | 0 | 0 | 0 | 2494966.72
Produits pétroliers | 408735 | 0 | 0 | 3298.36 | 0 | 22503 | 0 | 0 | 0 | 434536.36
Produits pharmaceutiques | 0 | 1304.26 | 584.27 | 154657.11 | 99073.43 | 17973 | 0 | 0 | 0 | 273592.06999999995
Produits alimentaires | 397729 | 20067.97 | 213918.04 | 1711533.74 | 789168.98 | 235536 | 0 | 7806.74 | 23874 | 3399634.47
Matériaux de construction | 0 | 0 | 0 | 235641.41 | 550069.98 | 143326 | 0 | 0 | 17296 | 946333.39
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 310377 | 72483.01 | 282469.35 | 804524.69 | 548274.66 | 5588 | 0 | 0 | 0 | 2023716.71
S-Total | 1117703 | 133431.06 | 550747.29 | 3899693.22 | 3227625.41 | 594603 | - | 7806.74 | 41170 | 9572779.719999999
(2) Commerce de détail
Produits pétroliers | 27375 | 8108.34 | 927.47 | 125341.58 | 76531.82 | 36921 | 0 | 0 | 0 | 275205.21
Produits pharmaceutiques | 0 | 0 | 0 | 8719.42 | 2580.83 | 22665 | 0 | 0 | 325 | 34290.25
Véhicules automobiles | 18131 | 0 | 47848.13 | 1064241.7 | 1871480.74 | 101367 | 0 | 213874.43 | 0 | 3316943.0000000005
Produits alimentaires | 1464 | 0 | 69160.45 | 911551.46 | 619683.9 | 190172 | 0 | 0 | 4612 | 1796643.81
Librairie ,papeterie | 1636 | 0 | 0 | 45594.87 | 25038.92 | 12127 | 0 | 0 | 1151 | 85547.79000000001
Appareils électro- ménagers électroni.équip. inform. | 14653 | 0 | 6652.26 | 283776.17 | 196673.09 | 215442 | 0 | 0 | 0 | 717196.52
Matériaux de construction | 0 | 0 | 0 | 265926.63 | 240343.9 | 691 | 0 | 0 | 0 | 506961.53
Autres | 71058 | 380786.74 | 52900.79 | 851012.9 | 911434.32 | 49600 | 0 | 253793.73 | 1894 | 2572480.48
S-Total | 134317 | 388895.08 | 177489.09999999998 | 3556164.73 | 3943767.5199999996 | 628985 | - | 467668.16000000003 | 7982 | 9305268.59
[Secteur d'activité juin 15 %]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2015
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 4.2574742066012326e-05 | 0.003683444984383238 | 0 | 0 | 0 | 0 | 0.0011707472109575737
200 | Industrie alimentaire | 0.04988333670457203 | 0.0042618930728815264 | 0.014287658218353188 | 0.012090865615429327 | 0.04619256900026164 | 0.030464848838259836 | 0.010876327937965434 | 0.16808895501337265 | 0.044780101681200786 | 0.03439620249790587
210 | Industrie des boissons | 0.0003968448366318797 | 0 | 0.00956463626777545 | 0.02658528841556616 | 0.09142271454711116 | 0.019379757699100466 | 0 | 0.1659774744356771 | 0.02286997621178345 | 0.043893010377830305
220 | Industrie du bois | 0.0016568123779242862 | 0.0002286129095684811 | 0 | 5.6278142486127205e-05 | 0 | 0 | 0 | 0 | 0 | 0.00023658855476145756
230 | Industrie chimique | 0 | 2.2874130202752166e-05 | 0.0068048983858832075 | 0.014295037003850713 | 0.0038883661871706586 | 0.015173199994592225 | 0 | 0.12378880398989416 | 0 | 0.010077859130083177
240 | Industrie du textile | 0.027058635059196843 | 0 | 0.02319900155808923 | 0.029856179967830035 | 0.010693118264236707 | 0.02741861693832078 | 0 | 0 | 0.002575908758511506 | 0.019044123128907173
250 | Industrie pharmacie | 0 | 0 | 0.005287760467622183 | 1.563511228243202e-05 | 0.0002911548883355566 | 0.0031473182134527542 | 0 | 0 | 0 | 0.0005653330694309717
260 | Imprimerie, édition | 0.013773024506798313 | 0 | 0.0015654952274157064 | 0.006450220984323683 | 0.005263756014257098 | 0.009338415842325672 | 0 | 0 | 0.0012654622704715442 | 0.006198536920474753
270 | Sidérurgie, aciérie | 0.04012794640994684 | 0 | 0.01364966213481038 | 0.019567306823159377 | 0.014024099465694165 | 0.03816583482318104 | 0 | 0.03943886878186121 | 0.013622345685156023 | 0.020543055044741777
280 | Industrie de la fabrication | 0.006547939804426015 | 0.001278518592130195 | 0.03874225142524202 | 0.042374674464018186 | 0.02422323762054114 | 0.01737194817968775 | 0 | 0.06480695851511077 | 0.0009927454514630132 | 0.025966381815427826
290 | Autres industries | 0 | 0 | 0 | 0.005318635588490714 | 0.004875510712240933 | 0.008953458401370731 | 0 | 0 | 0.0011690273540592494 | 0.0038424400872806718
300 | Production et distribution de l'électricité | 0.06112279631607891 | 0 | 0.11385910613270543 | 0.04433238692951917 | 2.4291179027643684e-05 | 0.00016607100007730156 | 0 | 0.0799168908695434 | 0 | 0.02849735657989245
400 | Production et distribution de gaz | 0 | 0 | 0.0009399889677853218 | 0.00039481320153162785 | 0.031710219095869185 | 0.017414709312987352 | 0 | 0 | 0 | 0.01140113205036547
500 | Traitement et distribution de l'eau | 0 | 0.007828534222560583 | 0.002384663224359672 | 0.010650509109794508 | 0.001492017289042137 | 0.0009493418138079728 | 0 | 0 | 0 | 0.004004581126562416
600 | Entrep/ batiment et corps/ métiers corresp. | 0.028828634142641325 | 0.11698416060750554 | 0.12308103637627049 | 0.13563038514161507 | 0.02667828258055775 | 0.053462601360350075 | 0 | 0 | 0.1702377106631995 | 0.07247251217869381
700 | Commerce de gros(1) | 0.11039200131478309 | 0.09016601003046489 | 0.15615747269793961 | 0.16607327233586033 | 0.13176945617742866 | 0.10453449619893905 | 0.0020044430611330212 | 0.003960552496550725 | 0.011575001483073423 | 0.12294752931318885
800 | Commerce de détail(2) | 0.013266252267684782 | 0.2627957664735516 | 0.05032480658961862 | 0.15144368634506097 | 0.1610063241541619 | 0.11057895459217 | 0.0016052426878692275 | 0.23725963701177238 | 0.002244150153944427 | 0.11949593540956092
900 | Rest/débits/boissons, casinos/activités/loterie | 0.008024107780608214 | 0 | 0.0019010844620641915 | 0.00032024810157641766 | 0.000466295105635087 | 0.003421563998427385 | 0 | 0 | 0.0019641233995810283 | 0.0017112284217328994
1000 | Hotels,motels et pensions | 0.016868671026099707 | 0 | 0.002643927017487495 | 0.04702462857204222 | 0.01037252001738899 | 0.11421726196435779 | 0.09082044761767609 | 0 | 0 | 0.03227223024331277
1100 | Transport | 0.011246472051377679 | 0.09273645409044824 | 0.014743937996623966 | 0.011992200962059538 | 0.0252894060459221 | 0.0067371666012114055 | 0 | 0 | 0 | 0.01594565562532154
1200 | Immobilier résidentiel | 0.11721589544313879 | 0.17655503151835522 | 0.13072792752243365 | 0.006027724171389545 | 0.04812925489701228 | 0.07746522029736663 | 0.5408417393147831 | 0 | 0.22635945819883754 | 0.08239155627375523
1300 | Immobilier commercial | 0.05935664913622544 | 0.02937964095238039 | 0.019985833449125297 | 0.031842869814715395 | 0.17201338488219275 | 0.012703701034718157 | 0.21993419889780694 | 0 | 0.00993560790406441 | 0.08437462098979252
1400 | Télécommunications | 0.046066100245889724 | 0 | 0.0012398269675389733 | 0.004967796938745433 | 0.018726402232069818 | 0.00044519186718159574 | 0 | 0 | 0.1151744979972183 | 0.018715733468450457
1500 | Services financiers | 0.006685818199632113 | 0.03173379102136532 | 0.014223439825210741 | 0.07030574939885911 | 0.08076585137789209 | 0.17540516494646116 | 0 | 0.07157064265434994 | 0.19511876255165103 | 0.07221362286547273
1510 | Services professionnels | 0.08403816584598074 | 0.016709352766924052 | 0.015178141550381209 | 0.00455964444914869 | 0.0084253950374831 | 0.022340578089805687 | 0 | 2.13076399182156e-06 | 0.006818763929292682 | 0.01788915133736776
1520 | Services médicaux | 0.004803521311496134 | 0.000909795722259243 | 8.529089514406364e-05 | 0.0004976657857775245 | 0.001729848752733364 | 0.009362239224200559 | 0 | 0 | 0.00039361190372365297 | 0.0020404878279401137
1530 | Services d'agence ou de représentation | 0.00011091507006908933 | 0 | 0.0012519793819064297 | 0.005451764860314088 | 0.001401067032211542 | 2.6462220056144132e-05 | 0 | 0 | 0.0001610997291668951 | 0.0021637451874609095
1540 | Services d'enseignement | 0.0027633951428878453 | 0 | 0.004426895455818719 | 0.006643643429373468 | 0.0004331823501968664 | 0.003946777183061513 | 6.279025177002468e-05 | 0 | 0.0021817345520682477 | 0.0030883557627443057
1550 | Autres services | 0.034238484586064565 | 0.014052737094430943 | 0.0016648354023522914 | 0.029652369887033857 | 0.007746361051964789 | 0.07502093709767495 | 0 | 0.041732215139506354 | 0.004434881549526358 | 0.02289703109462068
1560 | Crédit à la consommation | 0.25552758041984563 | 0.15435682679497098 | 0.23207844240004255 | 0.11553594370608015 | 0.06726246905697758 | 0.042388162266853754 | 0.13385481023099624 | 0.003456870328369706 | 0.16612502857200695 | 0.11954325640596272
Total | 1 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1 | 0.9999999999999996 | 1 | 1.0000000000000002 | 1 | 1.0000000000000002
(1) Commerce de gros
Import-export | 8.513694603700356e-05 | 0.02674335183340275 | 0.01524740407445219 | 0.0421619923917697 | 0.05066602518140052 | 0.02983012299007685 | 0 | 0 | 0 | 0.032019871659323726
Produits pétroliers | 0.040369431135075 | 0 | 0 | 0.00014046475172381785 | 0 | 0.00395614760778243 | 0 | 0 | 0 | 0.005576747123308199
Produits pharmaceutiques | 0 | 0.0008813534138328372 | 0.00016566241582999922 | 0.006586264858436673 | 0.00404472340338273 | 0.003159749409175382 | 0 | 0 | 0 | 0.0035112223735027258
Produits alimentaires | 0.039282404188342675 | 0.013560926401327162 | 0.06065377187947081 | 0.07288778722032689 | 0.0322182268508285 | 0.04140848699936197 | 0 | 0.003960552496550725 | 0.006712207563927494 | 0.043630184942111384
Matériaux de construction | 0 | 0 | 0 | 0.010035081722886637 | 0.022456888003214083 | 0.02519747642683307 | 0 | 0 | 0.004862793919145929 | 0.012145041235152325
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.030654930278569668 | 0.04898037838190213 | 0.08009063432818661 | 0.034261681816579 | 0.022383593146857936 | 0.0009824002502905487 | 0 | 0 | 0 | 0.02597194936893942
S-Total | 0.11039190254802433 | 0.09016601003046489 | 0.15615747269793961 | 0.16607327276172273 | 0.1317694565856838 | 0.10453438368352025 | - | 0.003960552496550725 | 0.011575001483073423 | 0.12285501670233777
(2) Commerce de détail
Produits pétroliers | 0.0027037400206066965 | 0.00547920900703644 | 0.0002629724627481291 | 0.005337826651842447 | 0.0031244506570275656 | 0.006490909026660227 | - | 0 | 0 | 0.0035319250687949996
Produits pharmaceutiques | 0 | 0 | 0 | 0.0003713273158405061 | 0.00010536370347884645 | 0.003984628073163079 | - | 0 | 9.1374191935848e-05 | 0.00044007376746336936
Véhicules automobiles | 0.0017907401027806398 | 0 | 0.01356673594185541 | 0.04532205282765794 | 0.07640415748256651 | 0.017820860087903016 | - | 0.1085037938608002 | 0 | 0.04256894022269452
Produits alimentaires | 0.00014459453480066497 | 0 | 0.019609576440498176 | 0.03881954956778025 | 0.025298911857896546 | 0.03343325347141272 | - | 0 | 0.0012966700714096338 | 0.02305774411841389
Librairie ,papeterie | 0.00016158241730456825 | 0 | 0 | 0.0019417140925883623 | 0.0010222267031577276 | 0.002131991380686021 | - | 0 | 0.00032360521513280326 | 0.0010979021221328266
Appareils électro- ménagers électroni.équip. inform. | 0.0014472293158703168 | 0 | 0.0018861647223531426 | 0.012084960181479865 | 0.00802927939346198 | 0.03787585446011031 | - | 0 | 0 | 0.009204347433104679
Matériaux de construction | 0 | 0 | 0 | 0.011324815380886736 | 0.009812162526222001 | 0.00012148149122239964 | - | 0 | 0 | 0.006506236334412667
Autres | 0.007018168342804407 | 0.2573165574665151 | 0.014999354186789438 | 0.03624143990112245 | 0.03720977183035072 | 0.008719944956050683 | - | 0.12875584315097222 | 0.0005325006754661419 | 0.03301466675103205
S-Total | 0.013266054734167292 | 0.2627957664735515 | 0.05032480375424429 | 0.15144368591919855 | 0.1610063241541619 | 0.11057892294720845 | - | 0.2372596370117724 | 0.002244150153944427 | 0.119421835818049
[Secteur d'activité juin 15 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2015
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 1252023 | 522326.14 | 728236.4 | 7455857.95 | 7171392.92 | 1223588.82 | 12978.49 | 475474.89999999997 | 49152 | 18891030.619999997
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1595001 | 93830.11000000002 | 145926.39 | 3861710.1000000006 | 2727229.0799999996 | 2296522.8499999996 | 326767.28 | 223338.18 | 750745 | 12021069.989999998
Industries Manufacturières ( 200 à 290 ) | 1411857 | 8571.07 | 398893.93999999994 | 3677481.76 | 4920318.739999999 | 963641.9300000002 | 39105.43 | 1107970.88 | 310422 | 12838262.749999996
Prêts aux Particuliers ( 1560 ) | 2587182 | 228423.05 | 818510.77 | 2712987.64 | 1647559.76 | 241108.5 | 481269.96 | 6813.92 | 590874 | 9314729.6
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1787773 | 304749.89 | 531548.02 | 889268.3099999999 | 5392281.31 | 512890.68 | 2735341.41 | 0 | 840455 | 12994307.62
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 580282 | 137234.9 | 56372.68 | 398250.65 | 1078144.7000000002 | 40854.04 | 0 | 0 | 409653 | 2700791.97
Bâtiments et Travaux Publics ( 600 ) | 291886 | 173117.57 | 434090.96 | 3184840.55 | 653470.88 | 304101.12 | 0 | 0 | 605502 | 5647009.08
Électricité, Gaz et Eau ( 300 à 500 ) | 618860 | 11584.96 | 413292.02 | 1300366.24 | 813866.7899999999 | 105401.36000000002 | 0 | 157526.1 | 0 | 3420897.4699999997
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 999.73 | 90224.1 | 0 | 0 | 0 | 0 | 91223.83
Total | 10124864 | 1479837.6899999997 | 3526871.18 | 23481762.929999996 | 24494488.279999997 | 5688109.3 | 3595462.5700000003 | 1971123.98 | 3556803 | 77919322.92999999
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.12365825358246788 | 0.35296177650401656 | 0.20648227928755822 | 0.3175169586809214 | 0.29277578033159063 | 0.2151134507911091 | 0.0036096857490022483 | 0.24122018950832305 | 0.01381915163701785 | 0.24244346472274972
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1575330789628384 | 0.06340567660497959 | 0.04137559399036514 | 0.16445571448412546 | 0.11134052072550583 | 0.40374098472404524 | 0.0908832378694461 | 0.1133049885578481 | 0.21107297761500987 | 0.15427585274065214
Industries Manufacturières ( 200 à 290 ) | 0.13944453969949622 | 0.005791898704782956 | 0.11310136368519134 | 0.1566101221174368 | 0.20087452669984907 | 0.16941339893029134 | 0.010876327937965433 | 0.5621010607359157 | 0.08727556741264557 | 0.16476353062684393
Prêts aux Particuliers ( 1560 ) | 0.25552758041984563 | 0.15435682679497104 | 0.23207844240004252 | 0.11553594370608018 | 0.0672624690569776 | 0.04238816226685377 | 0.1338548102309962 | 0.003456870328369705 | 0.16612502857200695 | 0.11954325640596272
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.17657254457936422 | 0.20593467247073569 | 0.15071376097155892 | 0.03787059398610495 | 0.22014263977920506 | 0.09016892133208482 | 0.7607759382125899 | 0 | 0.23629506610290196 | 0.16676617726354775
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.0573125722972674 | 0.09273645409044827 | 0.015983764964162938 | 0.016959997900804977 | 0.04401580827799193 | 0.007182358468393004 | 0 | 0 | 0.1151744979972183 | 0.034661389093772
Bâtiments et Travaux Publics ( 600 ) | 0.028828634142641325 | 0.11698416060750558 | 0.12308103637627048 | 0.1356303851416151 | 0.026678282580557756 | 0.05346260136035009 | 0 | 0 | 0.1702377106631995 | 0.07247251217869381
Électricité, Gaz et Eau ( 300 à 500 ) | 0.06112279631607891 | 0.007828534222560584 | 0.11718375832485041 | 0.05537770924084533 | 0.03322652756393897 | 0.018530122126872637 | 0 | 0.07991689086954339 | 0 | 0.04390306975682033
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 4.257474206601234e-05 | 0.0036834449843832382 | 0 | 0 | 0 | 0 | 0.0011707472109575737
Total | 0.9999999999999999 | 1.0000000000000004 | 0.9999999999999999 | 1 | 1 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1
[Sheet2]
[Sheet3]
[Secteur d'activité mars 15]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2015
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 1385.65 | 91482.44 | 0 | 0 | 0 | 0 | 92868.09
200 | Industrie alimentaire | 319338 | 6316 | 19234.64 | 370588.11 | 1146703.81 | 178893.7 | 20656.68 | 235801.73 | 161652 | 2459184.67
210 | Industrie des boissons | 4006 | 0 | 8648.47 | 560531.55 | 2190603.46 | 110472.89 | 0 | 288559.71 | 84398 | 3247220.08
220 | Industrie du bois | 17934 | 413.77 | 4011.62 | 3031.37 | 0 | 0 | 0 | 0 | 0 | 25390.76
230 | Industrie chimique | 0 | 178.03 | 24000 | 377744.2 | 105220.37 | 80902.95 | 0 | 0 | 0 | 588045.5499999999
240 | Industrie du textile | 281522 | 0 | 81768.11 | 595494.26 | 261827.29 | 97941.45 | 0 | 0 | 9496 | 1328049.1099999999
250 | Industrie pharmacie | 0 | 0 | 6817.5 | 456.51 | 10411.13 | 0 | 0 | 0 | 0 | 17685.14
260 | Imprimerie, édition | 106001 | 0 | 3231.37 | 123115.34 | 87867.99 | 38879.22 | 0 | 27300.61 | 4538 | 390933.53
270 | Sidérurgie, aciérie | 430323 | 0 | 23415.37 | 510010.55 | 355329.57 | 65182.37 | 0 | 75017.95 | 45290 | 1504568.81
280 | Industrie de la fabrication | 67557 | 0 | 53819.97 | 905169.44 | 587458.34 | 50240.89 | 0 | 59372.42 | 3858 | 1727476.0599999998
290 | Autres industries | 0 | 0 | 60425.92 | 118808.2 | 112231.77 | 45284.95 | 0 | 0 | 4566 | 341316.84
300 | Production et distribution de l'électricité | 1001049 | 0 | 206773.778 | 949775.95 | 96464.65 | 913.21 | 0 | 70457.76 | 0 | 2325434.3479999998
400 | Production et distribution de gaz | 0 | 0 | 3773.37 | 9708.27 | 2110385.65 | 91183.62 | 0 | 0 | 0 | 2215050.91
500 | Traitement et distribution de l'eau | 0 | 12606.49 | 9355.36 | 281780.53 | 36766.04 | 6649.18 | 0 | 0 | 0 | 347157.6
600 | Entrep/ batiment et corps/ métiers corresp. | 7 | 168612.78 | 54147 | 2525627.55 | 624475.45 | 256624.8 | 0 | 25895.96 | 374694 | 4030084.539999999
700 | Commerce de gros(1) | 1234979 | 136224.43 | 598872.18 | 3710670.53 | 3413581.94 | 553654.92 | 2747.06 | 349280.54 | 22233 | 10022243.6
800 | Commerce de détail(2) | 111021 | 369242.69 | 101269.63 | 3402006.65 | 3897490.33 | 602831.78 | 6911.42 | 605022.84 | 8425 | 9104221.34
900 | Rest/débits/boissons, casinos/activités/loterie | 75882 | 0 | 4266.89 | 8898.28 | 14897.37 | 16677.68 | 0 | 0 | 4853 | 125475.22
1000 | Hotels,motels et pensions | 160270 | 0 | 14158.2 | 1021537.02 | 260083.15 | 583488.74 | 272075.55 | 0 | 0 | 2311612.6599999997
1100 | Transport | 78737 | 132582.28 | 31409.78 | 303154.33 | 573982.55 | 25427.17 | 0 | 0 | 0 | 1145293.1099999999
1200 | Immobilier résidentiel / Avance Hypothécaire | 1120118 | 255038.86 | 496676.14 | 182200.85 | 1080798.3 | 514921.09 | 2040336.57 | 0 | 800490 | 6490579.8100000005
1300 | Immobilier commercial | 552151 | 43193.24 | 43496.39 | 702698.91 | 4087284.2 | 31063.11 | 702910.92 | 0 | 36002 | 6198799.7700000005
1400 | Télécommunications | 478180 | 0 | 4463.88 | 114526.4 | 551347.66 | 3599.15 | 0 | 65031.99 | 392649 | 1609798.0799999998
1500 | Services financiers | 6729 | 0 | 22207.41 | 1546273.74 | 1562647.58 | 903782.73 | 0 | 616927.48 | 816716 | 5475283.9399999995
1510 | Services professionnels | 1088964 | 24147.3 | 71650.52 | 95014.5 | 202041.89 | 139031.79 | 0 | 0 | 23280 | 1644130
1520 | Services médicaux | 78638 | 1321.01 | 1.58 | 8920.73 | 39845.17 | 47813.55 | 0 | 0 | 811 | 177351.03999999998
1530 | Services d'agence ou de représentation | 2725 | 0 | 4410.14 | 121612.09 | 39369.74 | 70671.91 | 0 | 0 | 652 | 239440.88
1540 | Services d'enseignement | 23799 | 0 | 6080.59 | 150559.75 | 9509.3 | 20023.85 | 0 | 0 | 6970 | 216942.49
1550 | Autres services | 331011 | 17853.78 | 6724.48 | 873745.6 | 143929.91 | 727226.08 | 0 | 63395.55 | 25851 | 2189737.3999999994
1560 | Crédit à la consommation | 2571722 | 226230.75 | 773839.87 | 2601887.36 | 1474810.86 | 208959.42 | 433795.63 | 8338.46 | 576174 | 8875758.350000001
Total | 10142663 | 1393961.4100000001 | 2738950.1579999994 | 22176934.22 | 25168847.91 | 5472342.199999999 | 3479433.83 | 2490403 | 3403598 | 76467133.72800002
(1) Commerce de gros
Import-export | 1667 | 42119.51 | 11716.37 | 949820.08 | 1314248.5 | 134811 | 0 | 0 | 0 | 2454382.46
Produits pétroliers | 432843 | 0 | 822.63 | 3673.51 | 75.38 | 12216 | 0 | 0 | 0 | 449630.52
Produits pharmaceutiques | 0 | 1606.28 | 342.9 | 137933.81 | 98364.88 | 22492 | 0 | 0 | 0 | 260739.87
Produits alimentaires | 478536 | 15926.13 | 394424.64 | 1607367.93 | 793088.16 | 204605 | 0 | 50958.97 | 22233 | 3567139.8300000005
Matériaux de construction | 0 | 0 | 61973.97 | 360472.13 | 644898.19 | 173006 | 0 | 0 | 0 | 1240350.29
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 321932 | 76572.51 | 129591.66 | 651403.07 | 562906.84 | 6525 | 0 | 298321.57 | 0 | 2047252.6500000001
S-Total | 1234978 | 136224.43 | 598872.17 | 3710670.53 | 3413581.9499999997 | 553655 | - | 349280.54000000004 | 22233 | 10019495.620000001
(2) Commerce de détail
Produits pétroliers | 21930 | 8210.13 | 0 | 120302 | 90715.74 | 43825 | 0 | 0 | 0 | 284982.87
Produits pharmaceutiques | 0 | 0 | 0 | 10161.83 | 2733.92 | 19189 | 0 | 0 | 238 | 32322.75
Véhicules automobiles | 1930 | 0 | 55580.92 | 1037859.85 | 1929683.47 | 111176 | 0 | 429597.28 | 0 | 3565827.5200000005
Produits alimentaires | 1270 | 0 | 6491.92 | 785989.47 | 576452.69 | 167618 | 0 | 0 | 4899 | 1542721.08
Librairie ,papeterie | 1780 | 0 | 0 | 49693.97 | 24603.78 | 10703 | 0 | 0 | 1274 | 88054.75
Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 6139.54 | 277967.05 | 215046.15 | 195758 | 0 | 0 | 0 | 694910.74
Matériaux de construction | 14081 | 0 | 0 | 243734.81 | 244804.65 | 543 | 0 | 27923.56 | 0 | 531087.02
Autres | 70031 | 361032.57 | 33057.25 | 876297.68 | 813449.93 | 54019 | 0 | 147502 | 2015 | 2357404.43
S-Total | 111022 | 369242.7 | 101269.62999999999 | 3402006.66 | 3897490.3299999996 | 602831 | - | 605022.8400000001 | 8426 | 9097311.16
[Secteur d'activité mars 15 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2015
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 6.248158497716824e-05 | 0.003634748810399562 | 0 | 0 | 0 | 0 | 0.0012144837327150192
200 | Industrie alimentaire | 0.03148463081145455 | 0.004530971915499439 | 0.0070226323556195226 | 0.01671052032366988 | 0.04556044099040368 | 0.03269051778231267 | 0.0059367934581471835 | 0.09468416557480858 | 0.04749444558376165 | 0.03216002156884192
210 | Industrie des boissons | 0.00039496530644861214 | 0 | 0.0031575857540668694 | 0.025275430067988904 | 0.08703630248922267 | 0.020187496681037236 | - | 0.1158686806914383 | 0.024796700432894836 | 0.042465565553308604
220 | Industrie du bois | 0.0017681746894282102 | 0.000296830311823338 | 0.0014646560793677651 | 0.00013669021921281597 | 0 | 0 | - | 0 | 0 | 0.00033204801542996307
230 | Industrie chimique | 0 | 0.00012771515676319905 | 0.008762481467543378 | 0.017033201986022758 | 0.004180579515449104 | 0.014783971294777582 | - | 0 | 0 | 0.007690173821497313
240 | Industrie du textile | 0.02775622141837898 | 0 | 0.02985381452129368 | 0.026851964933140342 | 0.010402831744077237 | 0.017897537547999103 | - | 0 | 0.0027899887119454177 | 0.017367580622597696
250 | Industrie pharmacie | 0 | 0 | 0.0024890923918740406 | 2.0584901207322965e-05 | 0.00041365143280410084 | 0 | - | 0 | 0 | 0.0002312776631972047
260 | Imprimerie, édition | 0.010451002857927943 | 0 | 0.0011797841558239851 | 0.005551504043736123 | 0.003491140727386596 | 0.007104676312091741 | - | 0.010962326177731074 | 0.0013332949425872269 | 0.00511243865097106
270 | Sidérurgie, aciérie | 0.0424270233566865 | 0 | 0.008549031070027965 | 0.022997342416250358 | 0.014117832141963943 | 0.011911237933914296 | - | 0.030122815464003215 | 0.013306506820135632 | 0.019676019443227426
280 | Industrie de la fabrication | 0.006660676786757087 | 0 | 0.01964985373786419 | 0.0408158057836364 | 0.02334069251404205 | 0.009180875055657156 | - | 0.02384048686096186 | 0.0011335063659104277 | 0.022591092091208447
290 | Autres industries | 0 | 0 | 0.02206170850663578 | 0.005357286937021902 | 0.004459154046356189 | 0.008275240901418774 | - | 0 | 0.0013415215310386243 | 0.0044635757005629705
300 | Production et distribution de l'électricité | 0.09869686097231073 | 0 | 0.07549380823745536 | 0.04282719787045479 | 0.00383270026283853 | 0.0001668773564635633 | - | 0.028291710217181715 | 0 | 0.030410899881140624
400 | Production et distribution de gaz | 0 | 0 | 0.0013776701956326731 | 0.0004377642961687966 | 0.08384911607978325 | 0.016662631222148352 | - | 0 | 0 | 0.02896735894245914
500 | Traitement et distribution de l'eau | 0 | 0.009043643467863289 | 0.0034156736925915255 | 0.01270601820813806 | 0.0014607756434251503 | 0.001215051938820639 | - | 0 | 0 | 0.004539958320327117
600 | Entrep/ batiment et corps/ métiers corresp. | 6.901540552022679e-07 | 0.12095943172487104 | 0.019769253500961304 | 0.11388533351568014 | 0.024811443584268532 | 0.04689487437390155 | - | 0.010398300997870626 | 0.11008761904314199 | 0.05270348636755951
700 | Commerce de gros(1) | 0.12176082356280594 | 0.09772467804542737 | 0.21865026577822091 | 0.1673211677136859 | 0.13562726240813458 | 0.10117330016386769 | 0.0007895135054199321 | 0.14025061004182857 | 0.006532205037140109 | 0.13106602943494597
800 | Commerce de détail(2) | 0.010945941908944426 | 0.2648873113352542 | 0.036973885670832284 | 0.15340292829709265 | 0.15485374395907342 | 0.11015973745209137 | 0.0019863633963690007 | 0.242941740754408 | 0.0024753217036794593 | 0.11906058061996251
900 | Rest/débits/boissons, casinos/activités/loterie | 0.007481467145265499 | 0 | 0.0015578560228769235 | 0.00040124031174584965 | 0.0005918971759561958 | 0.003047631049096309 | - | 0 | 0.00142584406266545 | 0.001640903926729173
1000 | Hotels,motels et pensions | 0.01580157006103821 | 0 | 0.005169206879740527 | 0.04606304053870256 | 0.010333534174071776 | 0.10662504621878363 | 0.07819535110975225 | 0 | 0 | 0.030230146564962132
1100 | Transport | 0.007762951406351567 | 0.09511187257328736 | 0.011467817297900609 | 0.013669803363830333 | 0.02280527706522265 | 0.0046464875679740935 | - | 0 | 0 | 0.014977586502377651
1200 | Immobilier résidentiel | 0.11043628285786485 | 0.18295977074429912 | 0.1813381446717075 | 0.008215781685264881 | 0.042941905957109026 | 0.09409519200023714 | 0.5863990148075326 | 0 | 0.23518934962354543 | 0.08488064732604644
1300 | Immobilier commercial | 0.054438464533426774 | 0.030985965386229733 | 0.015880679636668296 | 0.03168602580632086 | 0.16239456865945995 | 0.005676382957191531 | 0.20201876349520922 | 0 | 0.010577629908114883 | 0.0810648898133105
1400 | Télécommunications | 0.0471454094452315 | 0 | 0.0016297777405557305 | 0.005164212458939241 | 0.021905955408508804 | 0.0006576982704042157 | - | 0.02611303873308858 | 0.11536291888760071 | 0.021052156678530495
1500 | Services financiers | 0.0006634352339222944 | 0 | 0.008108000773630728 | 0.06972441387347002 | 0.06208657565844062 | 0.16515464438609123 | - | 0.24772194701018269 | 0.23995665763113036 | 0.07160310152955442
1510 | Services professionnels | 0.10736470293846892 | 0.017322789445082268 | 0.026159848068326923 | 0.00428438390344831 | 0.008027458814264019 | 0.02540626753933627 | 0 | 0 | 0.0068398206838762975 | 0.02150113283764902
1520 | Services médicaux | 0.007753190656142278 | 0.0009476661193942232 | 5.76863363279939e-07 | 0.0004022526247994616 | 0.0015831145764987062 | 0.0087373099584306 | - | 0 | 0.00023827725836012361 | 0.002319310680989462
1530 | Services d'agence ou de représentation | 0.0002686671143465971 | 0 | 0.001610157084136323 | 0.005483719651850056 | 0.0015642249554202975 | 0.012914380610189182 | - | 0 | 0.00019156198822540147 | 0.0031312914232108037
1540 | Services d'enseignement | 0.002346425194251253 | 0 | 0.0022200440494470662 | 0.006789024511071486 | 0.00037782023372717814 | 0.0036591004853461103 | - | 0 | 0.0020478329109371906 | 0.0028370684165001207
1550 | Autres services | 0.032635511995222556 | 0.012807944231397337 | 0.00245513047411942 | 0.03939884527465582 | 0.005718573631763823 | 0.13289119236731944 | - | 0.02545594026348346 | 0.007595197787752843 | 0.02863632116497368
1560 | Crédit à la consommation | 0.25355490959326954 | 0.1622934095428079 | 0.2825315633217157 | 0.11732403289781684 | 0.058596677339928356 | 0.03818464057309867 | 0.12467420022756978 | 0.0033482372130133153 | 0.16928379908555594 | 0.1160728527052134
Total | 1 | 0.9999999999999999 | 1.0000000000000004 | 1 | 1.0000000000000002 | 1.0000000000000004 | 1 | 1 | 1.0000000000000002 | 0.9999999999999997
(1) Commerce de gros
Import-export | 0.00016435525857459723 | 0.030215692986795092 | 0.00427768645799505 | 0.042829187775802496 | 0.05221726893100368 | 0.024634972571707964 | - | 0 | 0 | 0.03209722060108129
Produits pétroliers | 0.04267547881655932 | 0 | 0.0003003450054018837 | 0.0001656455289788022 | 2.994972208086262e-06 | 0.0022323165389766747 | - | 0 | 0 | 0.005880049350344075
Produits pharmaceutiques | 0 | 0.0011523131045643507 | 0.000125193953967526 | 0.006219696944206384 | 0.003908199546985145 | 0.004110123084042515 | - | 0 | 0 | 0.003409829259816034
Produits alimentaires | 0.047180508708610354 | 0.011425086724603085 | 0.1440057749309362 | 0.07247926670361923 | 0.031510705727809375 | 0.03738892644542588 | - | 0.020462138055567715 | 0.006532205037140109 | 0.04664932051315818
Matériaux de construction | 0 | 0 | 0.022626906816462053 | 0.01625437161079337 | 0.02562287285878394 | 0.03161461649821534 | - | 0 | 0 | 0.016220698089875182
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0
Autres | 0.031740382185625214 | 0.05493158522946484 | 0.04731435496242427 | 0.029372999150285614 | 0.022365220768660918 | 0.0011923596444681404 | - | 0.11978847198626086 | 0 | 0.026772974874175993
S-Total | 0.12176072496936949 | 0.09772467804542737 | 0.21865026212718697 | 0.16732116771368588 | 0.13562726280545115 | 0.10117331478283652 | - | 0.14025061004182857 | 0.006532205037140109 | 0.13103009268845076
(2) Commerce de détail
Produits pétroliers | 0.002162154061512248 | 0.0058897828455667205 | 0 | 0.005424645210495647 | 0.0036042865499599265 | 0.008008453857289847 | - | 0 | 0 | 0.003726867427955491
Produits pharmaceutiques | 0 | 0 | 0 | 0.0004582161762844423 | 0.00010862316820285478 | 0.003506542408842781 | - | 0 | 6.992600183687968e-05 | 0.0004227012106269698
Véhicules automobiles | 0.000190285332362911 | 0 | 0.02029278256037546 | 0.04679906788306287 | 0.07666951927637915 | 0.020315980970634476 | - | 0.17250110925822046 | 0 | 0.04663215876096451
Produits alimentaires | 0.0001252136643009829 | 0 | 0.002370222028698925 | 0.03544175503263047 | 0.022903419817279985 | 0.03063002894811659 | - | 0 | 0.0014393591722641746 | 0.02017495628236293
Librairie ,papeterie | 0.00017549631689429097 | 0 | 0 | 0.0022407953014165548 | 0.0009775489163421148 | 0.001955835291148277 | - | 0 | 0.0003743097745385912 | 0.0011515372122252955
Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.0022415668945517195 | 0.012534061166548385 | 0.008544139595462318 | 0.03577225123092632 | - | 0 | 0 | 0.009087704823249367
Matériaux de construction | 0.0013882941787575905 | 0 | 0 | 0.010990464578291021 | 0.009726494072171459 | 0 | - | 0.011212466416078041 | 0 | 0.006945297856842927
Autres | 0.00690459694855286 | 0.25899753566348727 | 0.01206931418720618 | 0.0395139233992822 | 0.03231971256327561 | 0.009871275959314096 | - | 0.05922816508010952 | 0.0005920205617702208 | 0.03082898907111498
S-Total | 0.010946040502380884 | 0.264887318509054 | 0.036973885670832284 | 0.1534029287480116 | 0.15485374395907342 | 0.11006036866627238 | - | 0.24294174075440803 | 0.0024756155104098663 | 0.11897021264534248
[Secteur d'activité mars 15 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2015
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 1346000 | 505467.12 | 700141.81 | 7112677.18 | 7311072.27 | 1156486.7000000002 | 9658.48 | 954303.3799999999 | 30658 | 19126464.939999998
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1768018 | 43322.09 | 129499.81 | 3826561.71 | 2272324.1100000003 | 2508716.33 | 272075.55 | 680323.03 | 879133 | 12379973.63
Industries Manufacturières ( 200 à 290 ) | 1226681 | 6907.8 | 285372.97 | 3564949.5300000003 | 4857653.7299999995 | 667798.42 | 20656.68 | 686052.42 | 313798 | 11629870.55
Prêts aux Particuliers ( 1560 ) | 2571722 | 226230.75 | 773839.87 | 2601887.36 | 1474810.86 | 208959.42 | 433795.63 | 8338.46 | 576174 | 8875758.350000001
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1672269 | 298232.1 | 540172.53 | 884899.76 | 5168082.5 | 545984.2000000001 | 2743247.49 | 0 | 836492 | 12689379.58
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 556917 | 132582.28 | 35873.659999999996 | 417680.73 | 1125330.21 | 29026.32 | 0 | 65031.99 | 392649 | 2755091.19
Bâtiments et Travaux Publics ( 600 ) | 7 | 168612.78 | 54147 | 2525627.55 | 624475.45 | 256624.8 | 0 | 25895.96 | 374694 | 4030084.539999999
Électricité, Gaz et Eau ( 300 à 500 ) | 1001049 | 12606.49 | 219902.50799999997 | 1241264.75 | 2243616.34 | 98746.01000000001 | 0 | 70457.76 | 0 | 4887642.857999999
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 1385.65 | 91482.44 | 0 | 0 | 0 | 0 | 92868.09
Total | 10142663 | 1393961.41 | 2738950.1580000003 | 22176934.220000003 | 25168847.91 | 5472342.2 | 3479433.83 | 2490403 | 3403598 | 76467133.728
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.13270676547175037 | 0.3626119893806817 | 0.25562415144905315 | 0.3207240960107785 | 0.290481006367208 | 0.21133303761595906 | 0.0027758769017889326 | 0.38319235079623654 | 0.009007526740819567 | 0.2501266100549085
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.17431497033865762 | 0.03107839979587383 | 0.04728082021564117 | 0.17254692068974353 | 0.09028319922014262 | 0.4584355726145927 | 0.07819535110975225 | 0.27317788727366615 | 0.2582951923229477 | 0.16189927654456887
Industries Manufacturières ( 200 à 290 ) | 0.12094269522708188 | 0.004955517384085977 | 0.10419064004011713 | 0.1607503316118868 | 0.19300262560170556 | 0.12203155350920855 | 0.0059367934581471835 | 0.27547847476894305 | 0.09219596438827382 | 0.15208979313084264
Prêts aux Particuliers ( 1560 ) | 0.25355490959326954 | 0.16229340954280794 | 0.2825315633217156 | 0.11732403289781682 | 0.058596677339928356 | 0.038184640573098665 | 0.12467420022756978 | 0.0033482372130133153 | 0.16928379908555594 | 0.11607285270521342
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.16487474739129163 | 0.2139457361305289 | 0.19721882430837573 | 0.03990180749158573 | 0.20533647461656898 | 0.09977157495742865 | 0.788417778302742 | 0 | 0.24576697953166032 | 0.16594553713935697
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05490836085158306 | 0.09511187257328738 | 0.013097595038456334 | 0.01883401582276957 | 0.04471123247373145 | 0.005304185838378309 | 0 | 0.02611303873308858 | 0.11536291888760071 | 0.03602974318090815
Bâtiments et Travaux Publics ( 600 ) | 6.901540552022679e-07 | 0.12095943172487107 | 0.019769253500961297 | 0.11388533351568013 | 0.024811443584268532 | 0.04689487437390154 | 0 | 0.010398300997870626 | 0.11008761904314199 | 0.052703486367559525
Électricité, Gaz et Eau ( 300 à 500 ) | 0.09869686097231073 | 0.009043643467863289 | 0.08028715212567952 | 0.05597098037476164 | 0.08914259198604692 | 0.018044560517432556 | 0 | 0.028291710217181715 | 0 | 0.06391821714392688
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 6.248158497716823e-05 | 0.003634748810399562 | 0 | 0 | 0 | 0 | 0.0012144837327150194
Total | 1 | 1 | 0.9999999999999998 | 0.9999999999999998 | 1 | 1 | 1 | 1 | 1 | 0.9999999999999999
[Secteur d'activité déc. 14 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2014
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 1617.89 | 93254.85 | 0 | 0 | 0 | 0 | 94872.74
200 | Industrie alimentaire | 361302 | 6805.65 | 3434.57 | 348108.23 | 1240812.27 | 215906.73 | 19524.08 | 424133.56 | 154234 | 2774261.0900000003
210 | Industrie des boissons | 3959 | 0 | 8723.47 | 585966.51 | 2123451.62 | 110009.96 | 0 | 399721.34 | 67479 | 3299310.9
220 | Industrie du bois | 6185 | 462.93 | 4893.82 | 3267.9 | 0 | 0 | 0 | 0 | 0 | 14809.65
230 | Industrie chimique | 0 | 319.05 | 0 | 412519.63 | 94192.48 | 82027.17 | 0 | 0 | 0 | 589058.33
240 | Industrie du textile | 288169 | 0 | 56580.33 | 606136.54 | 261276.66 | 103722.21 | 0 | 0 | 8208 | 1324092.74
250 | Industrie pharmacie | 0 | 0 | 18951.48 | 6217.83 | 15185.97 | 0 | 0 | 0 | 0 | 40355.28
260 | Imprimerie, édition | 73656 | 0 | 3256.77 | 89512.64 | 46580.78 | 39351.98 | 0 | 0 | 758 | 253116.17
270 | Sidérurgie, aciérie | 430734 | 0 | 21595.87 | 549247.35 | 380444.33 | 64975 | 0 | 141465.05 | 49937 | 1638398.6
280 | Industrie de la fabrication | 69091 | 0 | 41650.38 | 912042.77 | 539768.09 | 67149.47 | 0 | 0 | 10062 | 1639763.71
290 | Autres industries | 0 | 0 | 84348.03 | 117121.55 | 110518.65 | 45046.75 | 0 | 2407.55 | 4253 | 363695.52999999997
300 | Production et distribution de l'électricité | 1396964 | 0 | 279025.85 | 923195.54 | 95723.14 | 1477.81 | 0 | 70606.48 | 0 | 2766992.8200000003
400 | Production et distribution de gaz | 0 | 0 | 4222.21 | 10376.78 | 2332312.9 | 91429.23 | 0 | 0 | 0 | 2438341.12
500 | Traitement et distribution de l'eau | 0 | 15859.26 | 9527.96 | 273579.09 | 55755.55 | 6596.89 | 0 | 0 | 0 | 361318.75000000006
600 | Entrep/ batiment et corps/ métiers corresp. | 5 | 177972.31 | 1494.79 | 2648405.7 | 665520.36 | 224859.57 | 0 | 22486.61 | 387055 | 4127799.34
700 | Commerce de gros(1) | 1167311 | 137136.91 | 538243.57 | 3957202.88 | 3567388.11 | 419866.63 | 6919.18 | 256414.7 | 27136 | 10077618.979999999
800 | Commerce de détail(2) | 102587 | 413710.91 | 55162.94 | 3523047.76 | 3927742.48 | 678381.51 | 6281.62 | 405054.5 | 9830 | 9121798.719999999
900 | Rest/débits/boissons, casinos/activités/loterie | 75582 | 311.79 | 4821.08 | 9221.69 | 16121.79 | 14801.33 | 0 | 0 | 2536 | 123395.68000000001
1000 | Hotels,motels et pensions | 161911 | 0 | 15018.09 | 1013229.95 | 263461.96 | 571185.9 | 22446.78 | 0 | 0 | 2047253.68
1100 | Transport | 83039 | 56150.11 | 39362.89 | 264862.11 | 466496.06 | 23437.93 | 0 | 0 | 0 | 933348.1
1200 | Immobilier résidentiel / Avance Hypothécaire | 1087188 | 233824.75 | 151906.04 | 170596.38 | 1024905.96 | 622328.97 | 1954469.31 | 0 | 805756 | 6050975.41
1300 | Immobilier commercial | 549526 | 44395.6 | 85851.47 | 677665.91 | 4142670.34 | 12872.05 | 1007189.17 | 0 | 28081 | 6548251.54
1400 | Télécommunications | 517683 | 0 | 65446.01 | 119442.08 | 613515.33 | 3893.62 | 0 | 24794.49 | 437332 | 1782106.53
1500 | Services financiers | 8062 | 0 | 49861.79 | 1643431.38 | 1208743.25 | 867963.93 | 0 | 13187.6 | 944078 | 4735327.95
1510 | Services professionnels | 1089598 | 22902.44 | 97378.93 | 110211.16 | 215309.95 | 149400.21 | 0 | 0.7 | 25898 | 1710699.3899999997
1520 | Services médicaux | 123398 | 0 | 1656.7 | 8970.17 | 40803.67 | 42979.68 | 0 | 0 | 962 | 218770.21999999997
1530 | Services d'agence ou de représentation | 611 | 0 | 4645.18 | 124186.56 | 31103.86 | 138763.09 | 0 | 0 | 754 | 300063.68999999994
1540 | Services d'enseignement | 24591 | 0 | 7032.99 | 156785.47 | 9902.5 | 20282.6 | 0 | 0 | 5960 | 224554.56
1550 | Autres services | 331555 | 49468.99 | 7084.27 | 610119.61 | 149902.54 | 784120.66 | 0 | 28923.05 | 25553 | 1986727.1199999999
1560 | Crédit à la consommation | 2859309 | 221131.58 | 664814.15 | 2680305.5 | 1430080.49 | 269228.45 | 394607.37 | 9788.43 | 553444 | 9082708.97
Total | 10812016 | 1380452.28 | 2325991.63 | 22556594.559999995 | 25162945.939999998 | 5672059.329999999 | 3411437.5100000002 | 1798984.06 | 3549306 | 76669787.31
(1) Commerce de gros
Import-export | 1555 | 42837.33 | 28543.37 | 971367.69 | 1425883.23 | 151540 | 0 | 12926.16 | 0 | 2634652.7800000003
Produits pétroliers | 406085 | 0 | 782.74 | 5115.63 | 735.55 | 7311 | 0 | 0 | 0 | 420029.92
Produits pharmaceutiques | 0 | 1901.24 | 360.48 | 121929.7 | 93279.74 | 20879 | 0 | 0 | 0 | 238350.16
Produits alimentaires | 474552 | 16368.98 | 303968.06 | 1680104.09 | 842178.67 | 170235 | 0 | 54156.48 | 27136 | 3568699.28
Matériaux de construction | 0 | 0 | 71995.62 | 429164.34 | 642953.42 | 59977 | 0 | 0 | 0 | 1204090.3800000001
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 285118 | 76029.35 | 132593.3 | 749521.43 | 562357.5 | 9925 | 0 | 189332.06 | 0 | 2004876.6400000001
S-Total | 1167310 | 137136.90000000002 | 538243.5700000001 | 3957202.8800000004 | 3567388.11 | 419867 | - | 256414.7 | 27136 | 10070699.16
(2) Commerce de détail
Produits pétroliers | 23297 | 8386.8 | 0 | 131942.36 | 93629.34 | 46656 | 0 | 0 | 0 | 303911.5
Produits pharmaceutiques | 0 | 0 | 0 | 8527.91 | 1306.64 | 19044 | 0 | 0 | 0 | 28878.55
Véhicules automobiles | 0 | 36463.21 | 0 | 941810.21 | 1915418.26 | 124491 | 0 | 174849.44 | 988 | 3194020.1199999996
Produits alimentaires | 1261 | 0 | 7537.6 | 784303.09 | 602522.6 | 155624 | 0 | 0 | 5021 | 1556269.29
Librairie ,papeterie | 1693 | 0 | 0 | 44392.35 | 22710.63 | 9200 | 0 | 0 | 1398 | 79393.98
Appareils électro- ménagers électroni.équip. inform. | 13952 | 0 | 6224.35 | 279814.84 | 201510.09 | 195125 | 0 | 0 | 0 | 696626.28
Matériaux de construction | 0 | 0 | 0 | 220982.99 | 252031.26 | 262 | 0 | 33602.14 | 0 | 506878.39
Autres | 62384 | 368860.9 | 41401 | 1111274.01 | 838613.66 | 127979 | 0 | 196602.92 | 2423 | 2749538.49
S-Total | 102587 | 413710.91000000003 | 55162.95 | 3523047.76 | 3927742.4799999995 | 678381 | - | 405054.5 | 9830 | 9115516.6
[Secteur d'activité déc. 14 (%)]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2014
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 7.172580930585297e-05 | 0.0037060386419921713 | 0 | 0 | 0 | 0 | 0.001237420153735392
200 | Industrie alimentaire | 0.033416709705202066 | 0.004930014676059646 | 0.0014766046256150976 | 0.015432658909306568 | 0.04931108912917691 | 0.03806496325912022 | 0.005723124032836234 | 0.23576282271228127 | 0.0434546922694183 | 0.03618454136024654
210 | Industrie des boissons | 0.00036616667973854276 | 0 | 0.0037504305206807645 | 0.025977614149216687 | 0.0843880372776416 | 0.019395065107684625 | - | 0.2221928192070807 | 0.01901188570385309 | 0.04303273839354544
220 | Industrie du bois | 0.0005720487280078017 | 0.00033534661553096207 | 0.0021039714575413152 | 0.00014487559242630643 | 0 | 0 | - | 0 | 0 | 0.000193161485372588
230 | Industrie chimique | 0 | 0.0002311199051371772 | 0 | 0.018288205203259196 | 0.0037433009721754384 | 0.014461620590982079 | - | 0 | 0 | 0.007683056790261493
240 | Industrie du textile | 0.026652661261322586 | 0 | 0.024325250903847837 | 0.026871810741984636 | 0.010383389155745253 | 0.018286517112295442 | - | 0 | 0.0023125647661824595 | 0.017270071907807407
250 | Industrie pharmacie | 0 | 0 | 0.008147699138539032 | 0.00027565464208086565 | 0.0006035052507846384 | 0 | - | 0 | 0 | 0.0005263517927450475
260 | Imprimerie, édition | 0.0068124205513569345 | 0 | 0.0014001641097908853 | 0.003968357890278985 | 0.0018511656032274575 | 0.006937864664402234 | - | 0 | 0.00021356287679901367 | 0.003301380881318634
270 | Sidérurgie, aciérie | 0.03983845380916935 | 0 | 0.009284586290622206 | 0.024349746081529077 | 0.015119228523844298 | 0.01145527509847116 | - | 0.07863607752033111 | 0.014069511053710218 | 0.021369546694781357
280 | Industrie de la fabrication | 0.0063902051199332295 | 0 | 0.01790650467645922 | 0.04043353120410035 | 0.02145091005190945 | 0.011838640270358388 | - | 0 | 0.0028349204041578833 | 0.0213873517526522
290 | Autres industries | 0 | 0 | 0.03626325602899955 | 0.005192341853219888 | 0.004392118882404593 | 0.00794186861934676 | - | 0.0013382831196403152 | 0.0011982624208788986 | 0.004743661652920268
300 | Production et distribution de l'électricité | 0.12920476625265814 | 0 | 0.11995995445606998 | 0.040927966211580485 | 0.0038041308926326776 | 0.0002605420560718994 | - | 0.039247974214957744 | 0 | 0.03608974169723701
400 | Production et distribution de gaz | 0 | 0 | 0.0018152300917781033 | 0.000460033094641038 | 0.09268838813870615 | 0.01611923019147968 | - | 0 | 0 | 0.0318031548743056
500 | Traitement et distribution de l'eau | 0 | 0.011488452175978152 | 0.00409630020895647 | 0.012128563523730778 | 0.0022157799064126595 | 0 | - | 0 | 0 | 0.0047126614364935565
600 | Entrep/ batiment et corps/ métiers corresp. | 4.624484462472124e-07 | 0.12892318885517723 | 0.0006426463366078406 | 0.11741159300245013 | 0.026448427842546963 | 0.039643374111180185 | - | 0.01249961603328492 | 0.10905089614702142 | 0.05383866950497739
700 | Commerce de gros(1) | 0.10796423164745594 | 0.09934201419841909 | 0.23140391524108794 | 0.1754344109645601 | 0.1417714809111099 | 0.0740236668152059 | 0.0020282300290471976 | 0.14253305835294616 | 0.007645438291316669 | 0.13144185387202162
800 | Commerce de détail(2) | 0.009488239751032555 | 0.29969229360105076 | 0.023715880697300705 | 0.1561870410282358 | 0.15609231484125663 | 0.11960056666050425 | 0.0018413410714945206 | 0.2251573590929983 | 0.0027695555131059422 | 0.11897514053505463
900 | Rest/débits/boissons, casinos/activités/loterie | 0.006990555692851361 | 0.00022586075919987615 | 0.0020726987740708252 | 0.0004088245668232644 | 0.0006406956498035541 | 0.0026095160750019874 | - | 0 | 0.0007145058780505259 | 0.0016094433587127686
1000 | Hotels,motels et pensions | 0.01497509807606648 | 0 | 0.006456639742938371 | 0.04491945569641875 | 0.010470235107932678 | 0.10070167936695402 | 0.006579859643977473 | 0 | 0 | 0.026702221981160727
1100 | Transport | 0.0076802513055844535 | 0.04067515466742538 | 0.016923057457433756 | 0.011742114231626286 | 0.018539008155576877 | 0.00413217292633644 | - | 0 | 0 | 0.012173610137017607
1200 | Immobilier résidentiel | 0.10055368027572287 | 0.1693827112951706 | 0.06530807679647584 | 0.0075630379198516765 | 0.04073076190855577 | 0.10971834633471651 | 0.5729166383000813 | 0 | 0.22701790152779164 | 0.07892255375033204
1300 | Immobilier commercial | 0.05082548897448912 | 0.03216018448678284 | 0.03690962120959997 | 0.030042917524514844 | 0.16463375750510395 | 0.0022693785891693065 | 0.29523893286850794 | 0 | 0.007911687524265307 | 0.08540850013739265
1400 | Télécommunications | 0.047880339799719125 | 0 | 0.028136820939463143 | 0.005295217754714124 | 0.024381697256867372 | 0.0006864561481940635 | - | 0.013782495660356213 | 0.12321620057554913 | 0.0232439216610108
1500 | Services financiers | 0.0007456518747290052 | 0 | 0.021436788231262896 | 0.07285813359940094 | 0.04803663501412745 | 0.1530244800877286 | - | 0.007330581906323283 | 0.26598946385575095 | 0.06176263318500655
1510 | Services professionnels | 0.10077658042681402 | 0.016590533647421697 | 0.04186555477845808 | 0.004885983994917362 | 0.008556627292901143 | 0.02633967688063658 | 0 | 3.891085060531331e-07 | 0.0072966377088929495 | 0.02231256209285028
1520 | Services médicaux | 0.011413042674002703 | 0 | 0.0007122553575139047 | 0.00039767394746310507 | 0.001621577620414345 | 0.007577438369284478 | - | 0 | 0.0002710389016895134 | 0.0028534084634334947
1530 | Services d'agence ou de représentation | 5.651120013140935e-05 | 0 | 0.001997075114152496 | 0.005505554469654839 | 0.001236097715830486 | 0.02446432273126452 | - | 0 | 0.00021243589591880778 | 0.003913714913369309
1540 | Services d'enseignement | 0.00227441394833304 | 0 | 0.0030236523250085816 | 0.006950759769297376 | 0.00039353500276208123 | 0.0035758793799499982 | - | 0 | 0.0016792015115067566 | 0.002928853305566839
1550 | Autres services | 0.030665418919098898 | 0.03583534955659604 | 0.0030456988359842036 | 0.027048391918252403 | 0.0059572730616453415 | 0.13824267596298223 | - | 0.016077435394285817 | 0.007199435607975193 | 0.025912777245188368
1560 | Crédit à la consommation | 0.2644566008781341 | 0.16018777556005048 | 0.285819665653741 | 0.1188258047051585 | 0.05683279268691224 | 0.04746573234451693 | 0.11567187405405528 | 0.0054410876770081 | 0.15593020156616533 | 0.11846529498348234
Total | 1 | 0.9999999999999998 | 1 | 1.0000000000000002 | 0.9999999999999999 | 0.9988369497538384 | 1 | 1 | 1 | 0.9999999999999998
(1) Commerce de gros
Import-export | 0.00014382146678288305 | 0.031031373282964913 | 0.012271484399107661 | 0.043063578919955554 | 0.05666598948310581 | 0.02671692787106302 | - | 0.007185255438005382 | 0 | 0.034363637521873804
Produits pétroliers | 0.037558675458859846 | 0 | 0.0003365188377741497 | 0.00022679088310039656 | 2.9231473999661585e-05 | 0.0012889498460165085 | - | 0 | 0 | 0.005478428136257731
Produits pharmaceutiques | 0 | 0.001377258763338056 | 0.00015497906155406073 | 0.005405501246017875 | 0.003707027794854453 | 0.0036810263760058384 | - | 0 | 0 | 0.0031087885901688434
Produits alimentaires | 0.043891167012701425 | 0.011857693479994831 | 0.13068321316358306 | 0.07448394240234109 | 0.033469001284990245 | 0.03001290890939958 | - | 0.03010392432270912 | 0.007645438291316669 | 0.04654635685332775
Matériaux de construction | 0 | 0 | 0.03095265652353186 | 0.01902611401993476 | 0.025551595649138056 | 0.010574113652651092 | - | 0 | 0 | 0.015704887443230866
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0
Autres | 0.02637047521942254 | 0.05507568142811862 | 0.05700506325553716 | 0.033228483493210434 | 0.02234863522502167 | 0.0017498053921096769 | - | 0.10524387859223165 | 0 | 0.02614950047916078
S-Total | 0.1079641391577667 | 0.09934200695441642 | 0.23140391524108794 | 0.17543441096456008 | 0.14177148091110992 | 0.07402373204724572 | - | 0.14253305835294616 | 0.007645438291316669 | 0.13135159902401977
(2) Commerce de détail
Produits pétroliers | 0.0021547322904442614 | 0.006075400157983005 | 0 | 0.005849391833019675 | 0.003720921239637651 | 0.00822558391680293 | - | 0 | 0 | 0.003963901696651256
Produits pharmaceutiques | 0 | 0 | 0 | 0.00037806726442309214 | 5.1927147286952375e-05 | 0.003357510719127122 | - | 0 | 0 | 0.0003766614074881278
Véhicules automobiles | 0 | 0.026413959054057266 | 0 | 0.041753209133356 | 0.07612058876441716 | 0.021948113155579426 | - | 0.09719343483232419 | 0.0002783642774108516 | 0.041659436292493864
Produits alimentaires | 0.00011662949814354696 | 0 | 0.0032405963558862854 | 0.03477045650280998 | 0.02394483545117055 | 0.027436948548279733 | - | 0 | 0.001414642749878427 | 0.020298338427724015
Librairie ,papeterie | 0.0001565850438993061 | 0 | 0 | 0.001968043087440235 | 0.0009025425740750927 | 0.0016219858546507836 | - | 0 | 0.000393879817631954 | 0.0010355315018546383
Appareils électro- ménagers électroni.équip. inform. | 0.0012904161444082215 | 0 | 0.0026759984514647633 | 0.012405012611974709 | 0.00800820740466925 | 0.034401085857471106 | - | 0 | 0 | 0.009086059899753229
Matériaux de construction | 0 | 0 | 0 | 0.009796824135495746 | 0.010015967947511317 | 0 | - | 0.01867839785084032 | 0 | 0.006611188158779307
Autres | 0.005769876774137219 | 0.26720293438901055 | 0.017799290189191266 | 0.04926603645971638 | 0.03332732431248867 | 0.022563057357864416 | - | 0.10928552640983379 | 0.0006826686681847099 | 0.035862085789839925
S-Total | 0.009488239751032555 | 0.2996922936010508 | 0.023715884996542314 | 0.15618704102823583 | 0.15609231484125663 | 0.11955428540977552 | - | 0.22515735909299828 | 0.0027695555131059422 | 0.11889320317458435
[Secteur d'activité déc. 14 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
AU 31 mars 2016
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2014
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 1269898 | 550847.82 | 593406.51 | 7480250.64 | 7495130.59 | 1098248.1400000001 | 13200.8 | 661469.2 | 36966 | 19199417.7
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1815308 | 72683.21999999999 | 187499.02999999997 | 3676155.9899999993 | 1935349.52 | 2589497.4000000004 | 22446.78 | 42111.35 | 1005741 | 11346792.29
Industries Manufacturières ( 200 à 290 ) | 1233096 | 7587.63 | 243434.72 | 3630140.9499999997 | 4812230.850000001 | 728189.27 | 19524.08 | 967727.5 | 294931 | 11936862
Prêts aux Particuliers ( 1560 ) | 2859309 | 221131.58 | 664814.15 | 2680305.5 | 1430080.49 | 269228.45 | 394607.37 | 9788.43 | 553444 | 9082708.97
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1636714 | 278220.35 | 237757.51 | 848262.29 | 5167576.3 | 635201.02 | 2961658.48 | 0 | 833837 | 12599226.950000001
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 600722 | 56150.11 | 104808.9 | 384304.19 | 1080011.39 | 27331.55 | 0 | 24794.49 | 437332 | 2715454.63
Bâtiments et Travaux Publics ( 600 ) | 5 | 177972.31 | 1494.79 | 2648405.7 | 665520.36 | 224859.57 | 0 | 22486.61 | 387055 | 4127799.34
Électricité, Gaz et Eau ( 300 à 500 ) | 1396964 | 15859.26 | 292776.02 | 1207151.4100000001 | 2483791.59 | 99503.93 | 0 | 70606.48 | 0 | 5566652.69
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 1617.89 | 93254.85 | 0 | 0 | 0 | 0 | 94872.74
Total | 10812016 | 1380452.28 | 2325991.63 | 22556594.56 | 25162945.94 | 5672059.330000001 | 3411437.51 | 1798984.0599999998 | 3549306 | 76669787.30999999
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.1174524713984885 | 0.39903430779946986 | 0.2551197959383887 | 0.33162145199279586 | 0.2978637957523665 | 0.19362423347571012 | 0.0038695711005417186 | 0.3676904174459445 | 0.010414993804422611 | 0.2504169944070763
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1678972728120269 | 0.05265174396321761 | 0.08061036315938935 | 0.16297477796222798 | 0.07691267646541707 | 0.4565356688538023 | 0.006579859643977474 | 0.023408406409115155 | 0.2833627193597847 | 0.14799561454528837
Industries Manufacturières ( 200 à 290 ) | 0.11404866585473052 | 0.005496481196727785 | 0.10465846775209592 | 0.1609347962674025 | 0.19124274484690962 | 0.12838181472266086 | 0.005723124032836235 | 0.5379300025593334 | 0.08309539949499986 | 0.155691862711651
Prêts aux Particuliers ( 1560 ) | 0.2644566008781341 | 0.16018777556005048 | 0.285819665653741 | 0.11882580470515848 | 0.056832792686912235 | 0.04746573234451692 | 0.1156718740540553 | 0.0054410876770081005 | 0.15593020156616533 | 0.11846529498348235
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.151379169250212 | 0.20154289578195342 | 0.1022176980060758 | 0.03760595544436651 | 0.2053645194136597 | 0.11198772492388578 | 0.8681555711685893 | 0 | 0.23492958905205694 | 0.16433105388772473
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05556059110530358 | 0.04067515466742538 | 0.045059878396896895 | 0.017037331986340408 | 0.04292070541244424 | 0.004818629074530501 | 0 | 0.013782495660356215 | 0.12321620057554913 | 0.035417531798028416
Bâtiments et Travaux Publics ( 600 ) | 4.624484462472124e-07 | 0.12892318885517723 | 0.0006426463366078406 | 0.11741159300245012 | 0.02644842784254696 | 0.03964337411118017 | 0 | 0.012499616033284922 | 0.10905089614702142 | 0.053838669504977406
Électricité, Gaz et Eau ( 300 à 500 ) | 0.12920476625265814 | 0.011488452175978152 | 0.12587148475680457 | 0.0535165628299523 | 0.09870829893775147 | 0.017542822493713226 | 0 | 0.03924797421495775 | 0 | 0.07260555800803618
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 7.172580930585296e-05 | 0.0037060386419921704 | 0 | 0 | 0 | 0 | 0.0012374201537353922
Total | 1 | 0.9999999999999998 | 1 | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999997 | 1 | 1.0000000000000002 | 1 | 1
[Secteur d'activité sept. 14 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2014
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 1825.16 | 98565.68 | 0 | 0 | 0 | 0 | 100390.84
200 | Industrie alimentaire | 334535 | 22143.37 | 3612.97 | 351551.03 | 1186357.14 | 228978.03 | 21168.66 | 354780.98 | 153155 | 2656282.1799999997
210 | Industrie des boissons | 3906 | 0 | 8948.47 | 601418.91 | 2131987.99 | 110013.03 | 0 | 120744.08 | 70042 | 3047060.48
220 | Industrie du bois | 9360 | 535.05 | 0 | 2167.2 | 0 | 0 | 0 | 0 | 0 | 12062.25
230 | Industrie chimique | 0 | 505.24 | 0 | 473361.57 | 96753.39 | 74056.07 | 0 | 0 | 0 | 644676.27
240 | Industrie du textile | 293147 | 0 | 0 | 599776.96 | 252840.84 | 90253.04 | 0 | 0 | 7816 | 1243833.84
250 | Industrie pharmacie | 0 | 0 | 13741.24 | 7086.11 | 18136.48 | 0 | 0 | 0 | 0 | 38963.83
260 | Imprimerie, édition | 170483 | 0 | 4139.94 | 242155.17 | 86636.88 | 56682 | 0 | 0 | 4533 | 564629.99
270 | Sidérurgie, aciérie | 431148 | 0 | 22654.58 | 546259.3 | 394550.14 | 64975 | 0 | 184082.63 | 45940 | 1689609.65
280 | Industrie de la fabrication | 70545 | 0 | 177724.75 | 849460.16 | 561869.64 | 75161.54 | 0 | 0 | 8852 | 1743613.0900000003
290 | Autres industries | 0 | 0 | 83131.05 | 153898.81 | 108962 | 45108.36 | 0 | 13821.5 | 1355 | 406276.72
300 | Production et distribution de l'électricité | 1626641 | 0 | 356620.26 | 931540.88 | 93722.46 | 1662.85 | 0 | 68794.75 | 0 | 3078982.2
400 | Production et distribution de gaz | 0 | 3401.19 | 4661.25 | 1618.71 | 1441022.63 | 90111.48 | 0 | 47.55 | 0 | 1540862.8099999998
500 | Traitement et distribution de l'eau | 0 | 15644.45 | 7609.61 | 282251.81 | 52871.59 | 0.02 | 0 | 0 | 0 | 358377.48
600 | Entrep/ batiment et corps/ métiers corresp. | 28731 | 150634.83 | 0 | 2463149.05 | 806048.35 | 198093.7 | 0 | 5561.7 | 445208 | 4097426.6300000004
700 | Commerce de gros(1) | 1036115 | 132151.8 | 452499.95 | 3948676.91 | 3383162.53 | 464549.86 | 6713.53 | 279574.38 | 14138 | 9717581.959999999
800 | Commerce de détail(2) | 101583 | 400241.74 | 112969.67 | 3327649.59 | 3683975.55 | 606566.62 | 6814.8 | 351991.98 | 7524 | 8599316.95
900 | Rest/débits/boissons, casinos/activités/loterie | 61471 | 2401.36 | 5557.96 | 9456.31 | 18428.69 | 16657.45 | 0 | 0 | 5565 | 119537.77
1000 | Hotels,motels et pensions | 155724 | 0 | 16162.58 | 1003262.96 | 280261.18 | 559783.83 | 22352.12 | 0 | 0 | 2037546.67
1100 | Transport | 66627 | 57765.61 | 49061.22 | 241470.02 | 457851.15 | 25091.45 | 0 | 0 | 0 | 897866.45
1200 | Immobilier résidentiel / Avance Hypothécaire | 1024328 | 196644.01 | 110407.89 | 175289.72 | 987513.74 | 622498.52 | 1792708.15 | 0 | 810855 | 5720245.029999999
1300 | Immobilier commercial | 522551 | 111498.37 | 95202.35 | 657601.64 | 4036654.06 | 2973.24 | 1136279.55 | 0 | 29320 | 6592080.21
1400 | Télécommunications | 550079 | 0 | 9398.62 | 121550.73 | 679719.22 | 4376.57 | 0 | 2020.3 | 443433 | 1810577.44
1500 | Services financiers | 6154 | 0 | 27678.12 | 1456312.66 | 925196.06 | 849051.55 | 0 | 2157.11 | 1099483 | 4366032.5
1510 | Services professionnels | 1072537 | 22871.55 | 106201.57 | 96436.73 | 181769.48 | 127450.77 | 0 | 133.98 | 22638 | 1630039.08
1520 | Services médicaux | 182027 | 0 | 1535.02 | 6637.42 | 40593.8 | 18113.85 | 0 | 0 | 1132 | 250039.09
1530 | Services d'agence ou de représentation | 363 | 0 | 10518.08 | 112290.7 | 26755.21 | 503.81 | 0 | 0 | 1005 | 151435.8
1540 | Services d'enseignement | 24848 | 0 | 7465.06 | 144572.01 | 7119.52 | 21665.64 | 0 | 0 | 6261 | 211931.22999999998
1550 | Autres services | 322835 | 72558.78 | 7639.34 | 623825.99 | 232285.33 | 816860.69 | 0 | 47412.33 | 24216 | 2147633.46
1560 | Crédit à la consommation | 3424875 | 246919.2 | 596564.33 | 2528974.91 | 1295206.62 | 272281.29 | 262756.4 | 16256.33 | 593787 | 9237621.08
Total | 11520613 | 1435916.55 | 2291705.8800000004 | 21961529.130000003 | 23566817.349999998 | 5443520.259999999 | 3248793.21 | 1447379.6 | 3796258 | 74712532.98
(1) Commerce de gros
Import-export | 0 | 35569.42 | 37082.86 | 820918.35 | 1357868.59 | 171607 | 0 | 0 | 0 | 2423046.22
Produits pétroliers | 232625 | 0 | 751.29 | 4483.19 | 50939.21 | 12710 | 0 | 0 | 0 | 301508.69
Produits pharmaceutiques | 0 | 2190.43 | 0 | 117053.56 | 86122.47 | 30950 | 0 | 0 | 0 | 236316.46
Produits alimentaires | 495967 | 16523.15 | 202478.96 | 1813347.99 | 899364.39 | 183615 | 0 | 63902.51 | 3933 | 3679132
Matériaux de construction | 0 | 0 | 53123.68 | 418762.2 | 610267.47 | 56846 | 0 | 0 | 4642 | 1143641.35
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 307523 | 77868.8 | 159063.15 | 774111.63 | 378600.39 | 8822 | 0 | 215671.86 | 5563 | 1927223.83
S-Total | 1036115 | 132151.8 | 452499.93999999994 | 3948676.92 | 3383162.52 | 464550 | - | 279574.37 | 14138 | 9710868.55
(2) Commerce de détail
Produits pétroliers | 22236 | 5886.8 | 0 | 99849.23 | 100309.17 | 33976 | 0 | 0 | 0 | 262257.2
Produits pharmaceutiques | 0 | 0 | 0 | 9472.6 | 0 | 18026 | 0 | 0 | 308 | 27806.6
Véhicules automobiles | 0 | 35535.01 | 34168.28 | 869268.15 | 1905391.22 | 122864 | 0 | 106361.8 | 0 | 3073588.46
Produits alimentaires | 1201 | 0 | 8413.09 | 683474.84 | 451976.99 | 148249 | 0 | 0 | 4982 | 1298296.92
Librairie ,papeterie | 1743 | 0 | 0 | 45597.13 | 22381.53 | 8704 | 0 | 0 | 0 | 78425.66
Appareils électro- ménagers électroni.équip. inform. | 13592 | 0 | 6094.6 | 317938.38 | 168892.13 | 169566 | 0 | 0 | 0 | 676083.11
Matériaux de construction | 0 | 0 | 0 | 200750.56 | 261595.69 | 319 | 0 | 65010.1 | 0 | 527675.35
Autres | 62812 | 358819.93 | 64293.7 | 1101298.71 | 773428.82 | 104862 | 0 | 180620.08 | 2234 | 2648369.2399999998
S-Total | 101584 | 400241.74 | 112969.66999999998 | 3327649.5999999996 | 3683975.5499999993 | 606566 | - | 351991.98 | 7524 | 8592502.54
[Secteur d'activité sept. 14 (%)]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2014
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 8.310714564528139e-05 | 0.004182392494334836 | 0 | 0 | 0 | 0 | 0.0013436947724269218
200 | Industrie alimentaire | 0.02903795136595596 | 0.015421070256485307 | 0.001576541750636866 | 0.016007584349842584 | 0.0503401508307612 | 0.042064329526349566 | 0.006515853312805958 | 0.24511951114966657 | 0.040343675271807135 | 0.035553368010037445
210 | Industrie des boissons | 0.0003390444588321819 | 0 | 0.00390472009436045 | 0.027385110865456388 | 0.09046567291361472 | 0.02020990549229627 | - | 0.0834225382201048 | 0.018450273927641377 | 0.04078379300586256
220 | Industrie du bois | 0.0008124567677084545 | 0.00037261914698315853 | 0 | 9.868165313860363e-05 | 0 | 0 | - | 0 | 0 | 0.00016144881613408793
230 | Industrie chimique | 0 | 0.0003518588876212897 | 0 | 0.02155412618119456 | 0.004105492420256739 | 0.013604444635611593 | - | 0 | 0 | 0.008628756706355748
240 | Industrie du textile | 0.02544543419694768 | 0 | 0 | 0.027310346035089583 | 0.010728679916552245 | 0.016579903387739025 | - | 0 | 0.002058869549962094 | 0.016648262217705365
250 | Industrie pharmacie | 0 | 0 | 0.0059960748540733326 | 0.00032266013709947885 | 0.0007695769747203477 | 0 | - | 0 | 0 | 0.0005215166511678881
260 | Imprimerie, édition | 0.01479808409500432 | 0 | 0.0018064883614122415 | 0.011026334667617018 | 0.003676223170626814 | 0.01041274713653771 | - | 0 | 0.0011940705821364092 | 0.007557366448158668
270 | Sidérurgie, aciérie | 0.03742405026538084 | 0 | 0.009885465756190318 | 0.024873463808756196 | 0.01674176593896333 | 0.011936209823163221 | - | 0.12718338022727416 | 0.012101390369147725 | 0.022614808822668295
280 | Industrie de la fabrication | 0.006123372080982149 | 0 | 0.07755129118052442 | 0.03867946330019507 | 0.02384155788435302 | 0.013807524618269723 | - | 0 | 0.002331769863902822 | 0.023337625167476957
290 | Autres industries | 0 | 0 | 0.03627474656564567 | 0.007007654571273471 | 0.004623534793933471 | 0.008286615617372574 | - | 0.00954932624447657 | 0.00035693042991282467 | 0.00543786569394933
300 | Production et distribution de l'électricité | 0.1411939625087658 | 0 | 0.1556134507103503 | 0.04241694075516316 | 0.003976882351489859 | 0.0003054732820999917 | - | 0.047530551073125524 | 0 | 0.04121105358352957
400 | Production et distribution de gaz | 0 | 0.002368654362260815 | 0.002033965196266809 | 7.370661625691635e-05 | 0.06114625528762797 | 0.016553898157072353 | - | 0 | 0 | 0.020623886629736906
500 | Traitement et distribution de l'eau | 0 | 0.010895096933035558 | 0.0033205002729233294 | 0.012852101888225848 | 0.0022434760372935974 | 0 | - | 0 | 0 | 0.004796751839426124
600 | Entrep/ batiment et corps/ métiers corresp. | 0.002493877712930727 | 0.10490500301009831 | 0 | 0.11215744748098055 | 0.0342026815937452 | 0.03639073440318197 | - | 0.0038425994120685407 | 0.117275485491239 | 0.05484256076683749
700 | Commerce de gros(1) | 0.08993575255066723 | 0.09203306417771978 | 0.19745114499597127 | 0.17979972553942103 | 0.14355619088294075 | 0.08533997079309118 | 0.0020664688596785143 | 0.19315898883748256 | 0.003724193666500011 | 0.1300662897160952
800 | Commerce de détail(2) | 0.008817499554928197 | 0.27873607278918816 | 0.049295012499597016 | 0.15152176200036757 | 0.156320452409328 | 0.11142911039702828 | 0.0020976404343076055 | 0.24319258057803217 | 0.001981951700859109 | 0.11509872048243865
900 | Rest/débits/boissons, casinos/activités/loterie | 0.0053357403811758975 | 0.0016723534525735497 | 0.002425250137247106 | 0.0004305852267400835 | 0.0007819761882272152 | 0.003060051070701812 | - | 0 | 0.0014659172269113428 | 0.0015999694459830373
1000 | Hotels,motels et pensions | 0.013516989069939247 | 0 | 0.00705264150214599 | 0.045682746135810616 | 0.01189219468364064 | 0.10283489419767496 | 0.006880130114529512 | 0 | 0 | 0.027271818913507273
1100 | Transport | 0.0057832860109093154 | 0.04022908573621496 | 0.021408166042668614 | 0.010995136931068513 | 0.0194277887930421 | 0.004609416113388362 | - | 0 | 0 | 0.012017614905926857
1200 | Immobilier résidentiel | 0.08891262990953692 | 0.136946683983829 | 0.048177163991044075 | 0.007981671902825282 | 0.04190271963048927 | 0.1143558745568075 | 0.5518074048178646 | 0 | 0.2135932278575376 | 0.07656339307263571
1300 | Immobilier commercial | 0.045357916284489375 | 0.07764961689451938 | 0.04154213279759966 | 0.02994334484212666 | 0.17128549859109424 | 0.0005461980222335024 | 0.34975434770746766 | 0 | 0.007723394985272339 | 0.0882325889254036
1400 | Télécommunications | 0.04774737247054475 | 0 | 0.004101145824175308 | 0.005534711598654514 | 0.02884221530235605 | 0.0008039962728089489 | - | 0.0013958328554582362 | 0.11680791979891778 | 0.024233918564702903
1500 | Services financiers | 0.0005341729645809645 | 0 | 0.012077518429197378 | 0.06631198817620765 | 0.03925842196931187 | 0.15597472029983778 | - | 0.0014903553981277613 | 0.2896228338537581 | 0.058437752353661394
1510 | Services professionnels | 0.09309721626791907 | 0.0159281888630645 | 0.046341710307083554 | 0.0043911664542641065 | 0.007712941348866525 | 0.02341329946662126 | 0 | 9.256728504395114e-05 | 0.005963240643812933 | 0.021817478473609635
1520 | Services médicaux | 0.015800114108511412 | 0 | 0.0006698154476961065 | 0.00030222941037985905 | 0.0017224981802644644 | 0.003327598527207466 | - | 0 | 0.0002981883739197915 | 0.003346682009388353
1530 | Services d'agence ou de représentation | 3.1508740029718905e-05 | 0 | 0.004589629101968355 | 0.005113063818794296 | 0.001135291609496859 | 9.25522411851922e-05 | - | 0 | 0.000264734377905822 | 0.0020269129416417755
1540 | Services d'enseignement | 0.0021568296756431277 | 0 | 0.0032574249885853586 | 0.006582966474884984 | 0.00030209934138603577 | 0.003980078876385041 | - | 0 | 0.0016492556617595537 | 0.0028366222044262962
1550 | Autres services | 0.028022380406320394 | 0.05053133484672211 | 0.003333473141850122 | 0.028405398654497056 | 0.00985645734637138 | 0.1500611095364969 | - | 0.032757356812269565 | 0.006378913129718791 | 0.028745290439756682
1560 | Crédit à la consommation | 0.29728235815229626 | 0.171959296659684 | 0.2603145260507862 | 0.11515477337802296 | 0.05495891111491133 | 0.05001933987474496 | 0.0808781547533461 | 0.011231559433337321 | 0.15641376323737743 | 0.12364218841934918
Total | 1.0000000000000002 | 1 | 1 | 0.9999999999999998 | 1.0000000000000002 | 0.9999999963259071 | 1 | 0.9999671475264676 | 1 | 1
(1) Commerce de gros
Import-export | 0 | 0.0247712306122525 | 0.016181334753131583 | 0.03737983567267203 | 0.05761781787645586 | 0.03152500437281371 | - | 0 | 0 | 0.03243158976618597
Produits pétroliers | 0.02019206790472 | 0 | 0.00032783002677463994 | 0.00020413833542564435 | 0.002161480239078613 | 0.0023348861385518206 | - | 0 | 0 | 0.004035583830101325
Produits pharmaceutiques | 0 | 0.0015254577294202785 | 0 | 0.005329936695532821 | 0.0036543954459765018 | 0.0056856590077245354 | - | 0 | 0 | 0.003163009612634338
Produits alimentaires | 0.04305040018269861 | 0.011507040572796518 | 0.08835294344141577 | 0.08256929557436513 | 0.0381623185109465 | 0.03373092984501908 | - | 0.04415048408862471 | 0.0010360202072672616 | 0.04924383973147954
Matériaux de construction | 0 | 0 | 0.023180845528048298 | 0.019067989187873093 | 0.025895200906286144 | 0.010442874699615799 | - | 0 | 0.0012227830669043042 | 0.015307222287673535
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0
Autres | 0.026693284463248614 | 0.0542293352632505 | 0.06940818688303928 | 0.035248530528894 | 0.016064977479871716 | 0.0016206424480176367 | - | 0.14900849783982031 | 0.0014653903923284456 | 0.02579518794411513
S-Total | 0.08993575255066723 | 0.09203306417771981 | 0.1974511406324096 | 0.17979972599476268 | 0.1435561904586153 | 0.08533999651174261 | - | 0.19315898192844502 | 0.003724193666500011 | 0.12997643317218982
(2) Commerce de détail
Produits pétroliers | 0.001930105628927905 | 0.004099681140940955 | 0 | 0.00454655180925464 | 0.004256373209427025 | 0.006241549287445842 | - | 0 | 0 | 0.0035102169547672054
Produits pharmaceutiques | 0 | 0 | 0 | 0.00043132697836874165 | 0 | 0.0033114600734488685 | - | 0 | 8.113252576616236e-05 | 0.0003721811975969764
Véhicules automobiles | 0 | 0.02474726682410618 | 0.014909539787889357 | 0.03958140368343285 | 0.08085059563632593 | 0.022570688475769544 | - | 0.07348576696811258 | 0 | 0.04113886034117967
Produits alimentaires | 0.00010424792500190745 | 0 | 0.003671103728197442 | 0.03112145952835115 | 0.019178533243904488 | 0.027234031090021153 | - | 0 | 0.001312344945996821 | 0.0173772306762447
Librairie ,papeterie | 0.00015129403270468334 | 0 | 0 | 0.00207622746713539 | 0.0009497052430798425 | 0.0015989652989736466 | - | 0 | 0 | 0.0010496988506733399
Appareils électro- ménagers électroni.équip. inform. | 0.0011797983319116786 | 0 | 0.0026594163121840047 | 0.014477060231916554 | 0.007166522636116583 | 0.031150063176213848 | - | 0 | 0 | 0.009049125803042743
Matériaux de construction | 0 | 0 | 0 | 0.009141010118724823 | 0.011100170469136344 | 0 | - | 0.04491572217820397 | 0 | 0.007062742072220397
Autres | 0.005452140437318743 | 0.24988912482414105 | 0.02805495267132621 | 0.05014672263852512 | 0.03281855197133778 | 0.01926363731399064 | - | 0.12479109143171561 | 0.0005884742290961257 | 0.03544745619465142
S-Total | 0.008817586355864918 | 0.27873607278918816 | 0.049295012499597016 | 0.15152176245570928 | 0.15632045240932801 | 0.11137039471586355 | - | 0.24319258057803217 | 0.001981951700859109 | 0.11500751209037645
[Secteur d'activité sept. 14glo]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2014
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 1137698 | 532393.54 | 565469.62 | 7276326.5 | 7067138.08 | 1071116.48 | 13528.33 | 631566.36 | 21662 | 18316898.909999996
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1825959 | 97831.69 | 182757.72999999995 | 3452794.78 | 1712409.27 | 2410087.59 | 22352.12 | 49703.42 | 1160300 | 10914195.599999998
Industries Manufacturières ( 200 à 290 ) | 1313124 | 23183.66 | 313953 | 3827135.22 | 4838094.5 | 745227.07 | 21168.66 | 673429.19 | 291693 | 12047008.299999999
Prêts aux Particuliers ( 1560 ) | 3424875 | 246919.2 | 596564.33 | 2528974.91 | 1295206.62 | 272281.29 | 262756.4 | 16256.33 | 593787 | 9237621.08
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1546879 | 308142.38 | 205610.24 | 832891.36 | 5024167.8 | 625471.76 | 2928987.7 | 0 | 840175 | 12312325.239999998
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 616706 | 57765.61 | 58459.840000000004 | 363020.75 | 1137570.37 | 29468.02 | 0 | 2020.3 | 443433 | 2708443.89
Bâtiments et Travaux Publics ( 600 ) | 28731 | 150634.83 | 0 | 2463149.05 | 806048.35 | 198093.7 | 0 | 5561.7 | 445208 | 4097426.6300000004
Électricité, Gaz et Eau ( 300 à 500 ) | 1626641 | 19045.64 | 368891.12 | 1215411.4 | 1587616.68 | 91774.35 | 0 | 68842.3 | 0 | 4978222.489999999
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 1825.16 | 98565.68 | 0 | 0 | 0 | 0 | 100390.84
Total | 11520613 | 1435916.5500000003 | 2291705.8800000004 | 21961529.13 | 23566817.35 | 5443520.259999999 | 3248793.21 | 1447379.6 | 3796258 | 74712532.97999999
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.09875325210559542 | 0.37076913696690794 | 0.24674615749556827 | 0.33132148753978863 | 0.2998766432922687 | 0.19676908119011946 | 0.00416410929398612 | 0.43635156941551473 | 0.005706145367359121 | 0.24516501019853387
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.15849495161411983 | 0.06813187716236016 | 0.07974746305577395 | 0.15722014435157866 | 0.07266188066756497 | 0.4427443042161104 | 0.006880130114529512 | 0.03434027949544127 | 0.30564308326778633 | 0.14608252678197445
Industries Manufacturières ( 200 à 290 ) | 0.11398039323081159 | 0.016145548291089756 | 0.1369953285628433 | 0.17426542556966299 | 0.20529265484378184 | 0.13690168023733967 | 0.006515853312805958 | 0.4652747558415221 | 0.07683697999451039 | 0.16124481153951636
Prêts aux Particuliers ( 1560 ) | 0.29728235815229626 | 0.17195929665968399 | 0.2603145260507862 | 0.11515477337802299 | 0.05495891111491132 | 0.05001933987474496 | 0.0808781547533461 | 0.011231559433337321 | 0.15641376323737743 | 0.12364218841934921
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.1342705461940263 | 0.21459630087834836 | 0.08971929678864374 | 0.03792501674495195 | 0.21318821822158346 | 0.114902072579041 | 0.9015617525253324 | 0 | 0.22131662284280995 | 0.16479598199803933
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.053530658481454066 | 0.040229085736214955 | 0.025509311866843923 | 0.016529848529723033 | 0.048270004095398146 | 0.005413412386197311 | 0 | 0.0013958328554582362 | 0.11680791979891778 | 0.03625153347062977
Bâtiments et Travaux Publics ( 600 ) | 0.002493877712930727 | 0.1049050030100983 | 0 | 0.11215744748098057 | 0.0342026815937452 | 0.03639073440318197 | 0 | 0.0038425994120685407 | 0.117275485491239 | 0.0548425607668375
Électricité, Gaz et Eau ( 300 à 500 ) | 0.1411939625087658 | 0.013263751295296371 | 0.16096791617954043 | 0.055342749259645926 | 0.06736661367641142 | 0.016859375113265403 | 0 | 0.047563403546657695 | 0 | 0.0666316920526926
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 8.31071456452814e-05 | 0.004182392494334836 | 0 | 0 | 0 | 0 | 0.001343694772426922
Total | 1 | 0.9999999999999998 | 0.9999999999999999 | 1 | 0.9999999999999998 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1
[Secteur d'activité juin 14 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2014
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 2047.63 | 100958.68 | 0 | 0 | 0 | 0 | 103006.31
200 | Industrie alimentaire | 175355 | 21647.54 | 3853.78 | 365879.14 | 1044804.42 | 234585.21 | 0 | 329481.61 | 164052 | 2339658.6999999997
210 | Industrie des boissons | 3923 | 0 | 9464.22 | 656348.93 | 1150654.99 | 110005.88 | 0 | 209649.24 | 72604 | 2212650.26
220 | Industrie du bois | 13969 | 0 | 0 | 2433.4 | 0 | 0 | 0 | 0 | 0 | 16402.4
230 | Industrie chimique | 0 | 0 | 0 | 470541.41 | 69914.34 | 73403.38 | 0 | 0 | 0 | 613859.13
240 | Industrie du textile | 288970 | 0 | 0 | 614771.88 | 252586.35 | 101474.68 | 0 | 0 | 7785 | 1265587.91
250 | Industrie pharmacie | 0 | 0 | 0 | 0 | 18463.09 | 1.47 | 0 | 0 | 0 | 18464.56
260 | Imprimerie, édition | 99256 | 0 | 0 | 188700.8 | 138599.55 | 61303.91 | 0 | 0 | 4479 | 492339.26
270 | Sidérurgie, aciérie | 431555 | 0 | 0 | 576663.91 | 409547.13 | 64975 | 0 | 123176.08 | 47509 | 1653426.12
280 | Industrie de la fabrication | 72094 | 0 | 45339.9 | 807237.81 | 536003.33 | 65654.15 | 0 | 0 | 8865 | 1535194.19
290 | Autres industries | 0 | 0 | 20402.96 | 77748.88 | 118684.96 | 44182.28 | 0 | 0 | 1508 | 262527.07999999996
300 | Production et distribution de l'électricité | 1885691 | 0 | 194690.72 | 892425.13 | 93656.42 | 1896.15 | 0 | 68383.83 | 0 | 3136743.25
400 | Production et distribution de gaz | 0 | 1735.16 | 5091 | 1677.26 | 1648869.45 | 91427.62 | 0 | 400.39 | 0 | 1749200.8799999997
500 | Traitement et distribution de l'eau | 0 | 4528.48 | 0 | 261435.89 | 56519.29 | 0.39 | 0 | 0 | 0 | 322484.05
600 | Entrep/ batiment et corps/ métiers corresp. | 0 | 199928.97 | 20000 | 2275310.08 | 687652.13 | 223334.02 | 0 | 13800.93 | 470805 | 3890831.1300000004
700 | Commerce de gros(1) | 856008 | 115928.27 | 160366.16 | 4085966.62 | 3062102.96 | 558911.26 | 0 | 273399.35 | 30747 | 9143429.62
800 | Commerce de détail(2) | 346006 | 389129.43 | 105432.92 | 2799559.63 | 3183161.83 | 561865.48 | 0 | 199876.2 | 10007 | 7595038.490000001
900 | Rest/débits/boissons, casinos/activités/loterie | 13944 | 2795.46 | 4557.78 | 11375.69 | 20640.48 | 16846.08 | 0 | 0 | 5603 | 75762.49
1000 | Hotels,motels et pensions | 161040 | 0 | 16741.67 | 1043091.98 | 90149.18 | 560589.1 | 107027.54 | 0 | 0 | 1978639.4699999997
1100 | Transport | 34589 | 48263.26 | 61463.32 | 34599.91 | 431988.23 | 32562.6 | 0 | 4848.65 | 0 | 648314.97
1200 | Immobilier résidentiel / Avance Hypothécaire | 935996 | 243779.62 | 66844.25 | 171124.94 | 932112.31 | 597698.51 | 1739389.78 | 0 | 812569 | 5499514.41
1300 | Immobilier commercial | 495532 | 98375.37 | 106423.38 | 587354.91 | 4129584.01 | 2590.63 | 991044.82 | 0 | 31474 | 6442379.12
1400 | Télécommunications | 515888 | 0 | 9592.7 | 128255.12 | 788316.54 | 2112.53 | 0 | 36899.81 | 368394 | 1849458.7
1500 | Services financiers | 5150 | 51351.65 | 1505.29 | 1494069.36 | 743953.93 | 794518.19 | 0 | 9546.87 | 638892 | 3738987.29
1510 | Services professionnels | 402171 | 22055.97 | 80427.82 | 281948.25 | 152575.58 | 133284.78 | 6746.97 | 358.46 | 23249 | 1102817.8299999998
1520 | Services médicaux | 210936 | 282.35 | 0 | 6219.77 | 40524.73 | 14078.01 | 0 | 0 | 1242 | 273282.86
1530 | Services d'agence ou de représentation | 1190 | 0 | 4272.72 | 141033.92 | 32429.11 | 0 | 0 | 0 | 979 | 179904.75
1540 | Services d'enseignement | 23271 | 0 | 3227.06 | 148836.65 | 8401.25 | 10650.57 | 0 | 0 | 7045 | 201431.53
1550 | Autres services | 400561 | 36792.89 | 5423.63 | 1342962.69 | 148840.96 | 795704.88 | 0 | 50191.5 | 34152 | 2814629.55
1560 | Crédit à la consommation | 2598189 | 321510.81 | 291240.9 | 2227055.22 | 1165574.74 | 312141.95 | 247070.94 | 18422.02 | 624747 | 7805952.58
Total | 9971284 | 1558105.23 | 1216362.1800000002 | 21696676.81 | 21257269.97 | 5465798.71 | 3091280.0500000003 | 1338434.94 | 3366707 | 68961918.88999999
(1) Commerce de gros
Import-export | 1413 | 43839.71 | 0 | 877952.76 | 1528065.23 | 176478 | 0 | 0 | 0 | 2627748.7
Produits pétroliers | 247985 | 0 | 0 | 3365.62 | 2466.71 | 5497 | 0 | 0 | 0 | 259314.33
Produits pharmaceutiques | 0 | 0 | 0 | 125966.09 | 86654.88 | 31040 | 0 | 0 | 0 | 243660.97
Produits alimentaires | 451644 | 5690.49 | 16301.62 | 1865807.93 | 656849.62 | 192600 | 0 | 71855.39 | 3995 | 3264744.0500000003
Matériaux de construction | 0 | 0 | 0 | 422208.66 | 592890.48 | 139708 | 0 | 0 | 15083 | 1169890.14
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 154965 | 66398.07 | 144064.54 | 790665.56 | 195176.03 | 13588 | 0 | 201543.95 | 11670 | 1578071.15
S-Total | 856007 | 115928.27 | 160366.16 | 4085966.62 | 3062102.9499999997 | 558911 | - | 273399.34 | 30748 | 9143429.34
(2) Commerce de détail
Produits pétroliers | 30838 | 6285.23 | 0 | 113115.28 | 92514.6 | 44944 | 0 | 0 | 0 | 287697.11
Produits pharmaceutiques | 0 | 0 | 0 | 11339.75 | 0 | 12397 | 0 | 0 | 1925 | 25661.75
Véhicules automobiles | 19102 | 0 | 34004.93 | 887873.39 | 1397071.53 | 83238 | 0 | 30117.03 | 0 | 2451406.88
Produits alimentaires | 13496 | 176.88 | 21.89 | 684620.13 | 436580.32 | 137248 | 0 | 0 | 5110 | 1277253.22
Librairie ,papeterie | 1772 | 1813.6 | 0 | 43769.34 | 17543.59 | 8465 | 0 | 0 | 0 | 73363.53
Appareils électro- ménagers électroni.équip. inform. | 13518 | 0 | 6196.59 | 376273.31 | 103577.42 | 174131 | 0 | 0 | 0 | 673696.3200000001
Matériaux de construction | 0 | 0 | 0 | 175375.35 | 314069.95 | 113 | 0 | 61041.59 | 0 | 550599.89
Autres | 267280 | 380853.72 | 65209.52 | 507193.09 | 821804.42 | 101330 | 0 | 108717.58 | 2972 | 2255360.33
S-Total | 346006 | 389129.43 | 105432.93 | 2799559.64 | 3183161.83 | 561866 | - | 199876.2 | 10007 | 7595039.029999999
[Secteur d'activité juin 14 %]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2014
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 9.437528234997939e-05 | 0.004749371868658636 | 0 | 0 | 0 | 0 | 0.0014936694288380178
200 | Industrie alimentaire | 0.017585999957477894 | 0.0138935032006792 | 0.0031682833150895894 | 0.016863372359004137 | 0.04915045165604585 | 0.04291874297727294 | - | 0.24616931324282373 | 0.04872773306379201 | 0.0339268213190522
210 | Industrie des boissons | 0.0003934297729359629 | 0 | 0.007780758194898823 | 0.0302511272001567 | 0.05412995138246344 | 0.020126222321128984 | - | 0.1566376024224233 | 0.02156528619805644 | 0.03208510284537415
220 | Industrie du bois | 0.0014009228901714162 | 0 | 0 | 0.00011215542459840883 | 0 | 0 | - | 0 | 0 | 0.00023784720993862133
230 | Industrie chimique | 0 | 0 | 0 | 0.021687257183234967 | 0.0032889613811495477 | 0.013429579809754831 | - | 0 | 0 | 0.008901421826430852
240 | Industrie du textile | 0.02898021959859934 | 0 | 0 | 0.028334840647884454 | 0.011882351325286387 | 0.01856538913779355 | - | 0 | 0.0023123485352304195 | 0.018351982229768263
250 | Industrie pharmacie | 0 | 0 | 0 | 0 | 0.0008685541476425065 | 0 | - | 0 | 0 | 0.0002677500901541402
260 | Imprimerie, édition | 0.009954184436026494 | 0 | 0 | 0.008697221314234988 | 0.0065201011322527785 | 0.011215910656907453 | - | 0 | 0.0013303801013869042 | 0.007139291770365645
270 | Sidérurgie, aciérie | 0.04327978222263051 | 0 | 0 | 0.026578444019326297 | 0.019266214832760108 | 0.0118875581497585 | - | 0.09202993460406825 | 0.014111415100868593 | 0.023975929710386288
280 | Industrie de la fabrication | 0.007230162133582797 | 0 | 0.037274999786658936 | 0.03720559683259623 | 0.025215059636371547 | 0.012011812634058745 | - | 0 | 0.0026331367713317492 | 0.022261477271952986
290 | Autres industries | 0 | 0 | 0.016773754014614294 | 0.003583446473432537 | 0.0055832644628166245 | 0.008083407813603878 | - | 0 | 0.00044791542596370876 | 0.003806841286112594
300 | Production et distribution de l'électricité | 0.18911215446275526 | 0 | 0.16005982691767018 | 0.04113188106248056 | 0.004405853627120303 | 0.00034691178738998973 | - | 0.05109238257034743 | 0 | 0.045485150362526414
400 | Production et distribution de gaz | 0 | 0.0011136346676661885 | 0.004185431020224584 | 7.730492621925173e-05 | 0.07756731943128255 | 0.016727220457776425 | - | 0.0002991478988138191 | 0 | 0.025364736192885252
500 | Traitement et distribution de l'eau | 0 | 0.002906401899440386 | 0 | 0.012049582168247268 | 0.002658821668058253 | 7.135279228019723e-08 | - | 0 | 0 | 0.004676262714127618
600 | Entrep/ batiment et corps/ métiers corresp. | 0 | 0.1283154476029838 | 0.01644247110675539 | 0.10486905897733194 | 0.03234903310587253 | 0.04086027163631132 | - | 0.010311244564491121 | 0.13984139397933945 | 0.05641999516002739
700 | Commerce de gros(1) | 0.08584731916170475 | 0.07440336362904064 | 0.1318407976150656 | 0.18832223274472973 | 0.14404968108893995 | 0.10225610009703413 | - | 0.2042679414809658 | 0.009132662866118139 | 0.13258664734350753
800 | Commerce de détail(2) | 0.03470024522418577 | 0.24974528196661017 | 0.08667888704004262 | 0.12903172474365673 | 0.1497446207576203 | 0.10279659200988028 | - | 0.14933576076548033 | 0.002972340628394452 | 0.11013380445684409
900 | Rest/débits/boissons, casinos/activités/loterie | 0.0013984156904968308 | 0.001794140694848961 | 0.0037470582980473786 | 0.0005243056390440837 | 0.0009709845163151024 | 0.003082089351219449 | - | 0 | 0.001664237487847918 | 0.0010986134263585023
1000 | Hotels,motels et pensions | 0.016150377423810213 | 0 | 0.013763721262691674 | 0.04807611733052312 | 0.004240863484691397 | 0.10256307078677619 | 0.034622401810537995 | 0 | 0 | 0.028691769339482778
1100 | Transport | 0.0034688611817695696 | 0.03097561003630031 | 0.05053044316126303 | 0.0015947101163461541 | 0.020321905428573716 | 0.005957519061290129 | - | 0.0036226265880357246 | 0 | 0.00940105757547316
1200 | Immobilier résidentiel | 0.09386915466453467 | 0.1564590217054852 | 0.05495423246388669 | 0.007887149792503177 | 0.04384910721440116 | 0.10935245546208562 | 0.5626762221041732 | 0 | 0.24135423724131622 | 0.07974711983830068
1300 | Immobilier commercial | 0.049695906765868866 | 0.06313782157062652 | 0.08749316753666248 | 0.027071192291037313 | 0.19426690331486626 | 0.00047397098529448043 | 0.32059367122043825 | 0 | 0.009348600873197459 | 0.09341937149800214
1400 | Télécommunications | 0.0517373690289034 | 0 | 0.007886384629288621 | 0.00591127946105033 | 0.037084561710536534 | 0.0003864997801940643 | - | 0.027569371433175525 | 0.10942264949103085 | 0.02681855043723538
1500 | Services financiers | 0.0005164831329646212 | 0.03295775472109801 | 0.001237534366614391 | 0.06886166822153075 | 0.03499762345070316 | 0.14536177275361095 | - | 0.007132860712676853 | 0.18976762753634338 | 0.05421814459606318
1510 | Services professionnels | 0.04033292001310965 | 0.014155635688354632 | 0.06612160532646616 | 0.012994996997422667 | 0.007177571730298723 | 0.02438523390115843 | 0.0021825812902328276 | 0.0002678202647638592 | 0.006905560834370202 | 0.01599169291908896
1520 | Services médicaux | 0.021154346822335017 | 0.00018121369119594063 | 0 | 0.0002866692468375299 | 0.001906393909339808 | 0.002575654674996255 | - | 0 | 0.00036890647151652933 | 0.0039628082338588775
1530 | Services d'agence ou de représentation | 0.00011934270451027169 | 0 | 0.0035127037573627943 | 0.006500254450718346 | 0.0015255538479666776 | 0 | - | 0 | 0.00029078859550296475 | 0.002608754989648172
1540 | Services d'enseignement | 0.002333801745091204 | 0 | 0.0026530420404883024 | 0.006859882336054395 | 0.0003952177307742966 | 0.0019485843817325648 | - | 0 | 0.002092549188272101 | 0.0029209095866560802
1550 | Autres services | 0.04017145635406634 | 0.023613867209726264 | 0.004458893978436586 | 0.06189716064632665 | 0.007001885012047951 | 0.1455788846640494 | - | 0.03750014177005869 | 0.010144036888270943 | 0.04081425800360296
1560 | Crédit à la consommation | 0.26056714461246916 | 0.2063473017159438 | 0.2394360041677718 | 0.10264499211112138 | 0.05483181714514397 | 0.057108204410989 | 0.07992512357461758 | 0.01376385168187555 | 0.18556619272184957 | 0.11319221833793729
Total | 1 | 1 | 0.9999999999999999 | 0.9999999999999998 | 1.0000000000000002 | 0.9999997310548598 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1.0000000000000002
(1) Commerce de gros
Import-export | 0.0001417069256075747 | 0.028136552753885564 | 0 | 0.040464849418568635 | 0.07188435919365614 | 0.032287687374422176 | - | 0 | 0 | 0.03810434428588738
Produits pétroliers | 0.024869916452083803 | 0 | 0 | 0.00015512145152334045 | 0.00011604077115646663 | 0.001005708459395498 | - | 0 | 0 | 0.0037602539803689044
Produits pharmaceutiques | 0 | 0 | 0 | 0.0058057780508553375 | 0.004076482075181549 | 0.005678950441993133 | - | 0 | 0 | 0.0035332684171485943
Produits alimentaires | 0.045294467593140465 | 0.003652185930984905 | 0.01340194579216529 | 0.08599510175401834 | 0.030899998961625836 | 0.035237302033758945 | - | 0.05368612836721074 | 0.0011866194474303823 | 0.04734125880701695
Matériaux de construction | 0 | 0 | 0 | 0.019459600366329096 | 0.02789118644288451 | 0.025560399753543066 | - | 0 | 0.004480045338070703 | 0.016964292160519378
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0
Autres | 0.015541127902885928 | 0.042614624944170176 | 0.1184388518229003 | 0.03644178170343498 | 0.009181613174008159 | 0.002486004465393128 | - | 0.15058180564234225 | 0.003466295106761592 | 0.022883225632354502
S-Total | 0.08584721887371777 | 0.07440336362904065 | 0.1318407976150656 | 0.18832223274472973 | 0.14404968061851264 | 0.10225605252850595 | - | 0.20426793400955298 | 0.009132959892262676 | 0.1325866432832957
(2) Commerce de détail
Produits pétroliers | 0.0030926809425947553 | 0.004033893140837477 | 0 | 0.005213484119736953 | 0.004352139297782085 | 0.008222768964720985 | - | 0 | 0 | 0.004171825764577417
Produits pharmaceutiques | 0 | 0 | 0 | 0.0005226491641693952 | 0 | 0.0022681040151220646 | - | 0 | 0.0005717753282361667 | 0.00037211479049665993
Véhicules automobiles | 0.0019157011273573193 | 0 | 0.027956253950611975 | 0.04092209133109173 | 0.06572205800517479 | 0.015228881343125788 | - | 0.022501676472970737 | 0 | 0.03554725447692658
Produits alimentaires | 0.0013534866723282578 | 0.00011352249937573215 | 0 | 0.0315541470242327 | 0.020537929876044192 | 0.025110328294544897 | - | 0 | 0.0015178035985905516 | 0.018521138050658442
Librairie ,papeterie | 0.00017771031293462307 | 0.0011639778656028258 | 0 | 0.0020173292151278535 | 0.0008252983579151486 | 0.001548721504235563 | - | 0 | 0 | 0.0010638266913225102
Appareils électro- ménagers électroni.équip. inform. | 0.0013556930080418932 | 0 | 0.005094362601770468 | 0.01734243973374649 | 0.004872564545973069 | 0.0318582899295975 | - | 0 | 0 | 0.009769106353821186
Matériaux de construction | 0 | 0 | 0 | 0.008083051221888944 | 0.01477470768557022 | 0 | - | 0.045606691947238015 | 0 | 0.007984114984941948
Autres | 0.026804973160928922 | 0.2444338884607941 | 0.05361028242426938 | 0.023376533394562745 | 0.03865992298916078 | 0.018538919081416375 | - | 0.08122739234527157 | 0.0008827617015677337 | 0.03270443117450789
S-Total | 0.03470024522418577 | 0.24974528196661014 | 0.08666089897665183 | 0.1290317252045568 | 0.1497446207576203 | 0.10277601313276317 | - | 0.14933576076548033 | 0.002972340628394452 | 0.11013381228725264
[Secteur d'activité juin 14g ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2014
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 1202014 | 505057.7 | 265799.08 | 6885526.25 | 6245264.79 | 1120776.74 | 0 | 473275.55 | 40754 | 16738468.110000001
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1218263 | 113278.32 | 116155.97 | 4469538.31 | 1237515.22 | 2325671.61 | 113774.51 | 60096.83 | 711162 | 10365455.77
Industries Manufacturières ( 200 à 290 ) | 1085122 | 21647.54 | 79060.86 | 3760326.16 | 3739258.1599999997 | 755585.96 | 0 | 662306.9299999999 | 306802 | 10410109.61
Prêts aux Particuliers ( 1560 ) | 2598189 | 321510.81 | 291240.9 | 2227055.22 | 1165574.74 | 312141.95 | 247070.94 | 18422.02 | 624747 | 7805952.58
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1431528 | 342154.99 | 173267.63 | 758479.8500000001 | 5061696.32 | 600289.14 | 2730434.6 | 0 | 844043 | 11941893.530000001
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 550477 | 48263.26 | 71056.02 | 162855.03 | 1220304.77 | 34675.13 | 0 | 41748.46 | 368394 | 2497773.67
Bâtiments et Travaux Publics ( 600 ) | 0 | 199928.97 | 20000 | 2275310.08 | 687652.13 | 223334.02 | 0 | 13800.93 | 470805 | 3890831.1300000004
Électricité, Gaz et Eau ( 300 à 500 ) | 1885691 | 6263.639999999999 | 199781.72 | 1155538.28 | 1799045.16 | 93324.15999999999 | 0 | 68784.22 | 0 | 5208428.18
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 2047.63 | 100958.68 | 0 | 0 | 0 | 0 | 103006.31
Total | 9971284 | 1558105.23 | 1216362.1800000002 | 21696676.81 | 21257269.97 | 5465798.709999999 | 3091280.0500000003 | 1338434.94 | 3366707 | 68961918.89000002
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.12054756438589052 | 0.3241486455956508 | 0.2185196846551082 | 0.31735395748838646 | 0.29379430184656025 | 0.20505269210691446 | 0 | 0.35360370224644616 | 0.01210500349451259 | 0.24272045180035154
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.12217714388638413 | 0.07270261200522381 | 0.09549455903010728 | 0.20600105486845752 | 0.058216093682137114 | 0.4254952905135433 | 0.03680498310077082 | 0.04490082274749941 | 0.21123370700212404 | 0.15030695109475944
Industries Manufacturières ( 200 à 290 ) | 0.10882470101142441 | 0.0138935032006792 | 0.06499779531126164 | 0.17331346145446871 | 0.17590490995678876 | 0.13823889244541904 | 0 | 0.4948368502693153 | 0.09112821519662982 | 0.15095446555953568
Prêts aux Particuliers ( 1560 ) | 0.26056714461246916 | 0.2063473017159438 | 0.2394360041677718 | 0.10264499211112138 | 0.05483181714514397 | 0.057108204410989016 | 0.07992512357461758 | 0.01376385168187555 | 0.18556619272184957 | 0.11319221833793723
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.14356506143040354 | 0.2195968432761117 | 0.14244740000054917 | 0.0349583420835405 | 0.23811601052926745 | 0.10982642644738011 | 0.8832698933246116 | 0 | 0.25070283811451366 | 0.17316649133630277
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05520623021067297 | 0.03097561003630031 | 0.058416827790551656 | 0.007505989577396485 | 0.05740646713911025 | 0.006344018841484194 | 0 | 0.031191998021211254 | 0.10942264949103085 | 0.03621960801270852
Bâtiments et Travaux Publics ( 600 ) | 0 | 0.1283154476029838 | 0.01644247110675539 | 0.10486905897733194 | 0.03234903310587253 | 0.04086027163631133 | 0 | 0.010311244564491121 | 0.13984139397933945 | 0.05641999516002736
Électricité, Gaz et Eau ( 300 à 500 ) | 0.18911215446275526 | 0.004020036567106575 | 0.16424525793789477 | 0.05325876815694708 | 0.0846319947264611 | 0.017074203597958696 | 0 | 0.05139153046916125 | 0 | 0.07552614926953925
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 9.437528234997939e-05 | 0.004749371868658636 | 0 | 0 | 0 | 0 | 0.0014936694288380174
Total | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999
[Secteur d'activité mars 14 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2014
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 2532.02 | 105837.15 | 0 | 0 | 0 | 0 | 108369.17
200 | Industrie alimentaire | 174753 | 21753.16 | 18489.38 | 359734.74 | 1073693.77 | 253118.9 | 0 | 366720.2 | 168820 | 2437083.15
210 | Industrie des boissons | 3927 | 0 | 9464.22 | 688840.96 | 1144715.91 | 110012.93 | 0 | 347370.5 | 75167 | 2379498.5199999996
220 | Industrie du bois | 4948 | 0 | 8820.91 | 2850.04 | 0 | 1.19 | 0 | 0 | 0 | 16620.14
230 | Industrie chimique | 0 | 0 | 487.47 | 523138.59 | 96015.57 | 68607 | 0 | 0 | 0 | 688248.63
240 | Industrie du textile | 213999 | 0 | 0 | 623348.23 | 241025.69 | 35654.43 | 0 | 0 | 7950 | 1121977.3499999999
250 | Industrie pharmacie | 0 | 0 | 9511.73 | 0 | 65367.38 | 179.95 | 0 | 0 | 0 | 75059.06
260 | Imprimerie, édition | 57170 | 0 | 3999.91 | 140128.16 | 116931.44 | 47241.67 | 0 | 0 | 4536 | 370007.18
270 | Sidérurgie, aciérie | 458122 | 0 | 17019.96 | 611370.78 | 460121.69 | 64975 | 0 | 193045.29 | 49614 | 1854268.72
280 | Industrie de la fabrication | 73993 | 0 | 0 | 790967.15 | 542941.86 | 86402.12 | 0 | 0 | 12783 | 1507087.13
290 | Autres industries | 0 | 0 | 0 | 81731.11 | 118528.21 | 38579.96 | 0 | 0 | 2387 | 241226.28
300 | Production et distribution de l'électricité | 2207081 | 0 | 368512.18 | 897062.67 | 3585.99 | 2063.53 | 0 | 362.08 | 0 | 3478667.45
400 | Production et distribution de gaz | 0 | 1965.3 | 6127.89 | 811.36 | 2489695.82 | 91949.16 | 0 | 1125.18 | 0 | 2591674.71
500 | Traitement et distribution de l'eau | 0 | 4186.25 | 0 | 262285.64 | 61242.18 | 0 | 0 | 0 | 0 | 327714.07
600 | Entrep/ batiment et corps/ métiers corresp. | 0 | 202076 | 129634.45 | 2446875.08 | 639500.69 | 282868.75 | 0 | 0 | 455863 | 4156817.97
700 | Commerce de gros(1) | 935690 | 129686.48 | 259655.25 | 3943135.1 | 3135128.29 | 559132.5 | 0 | 307979.2 | 20847 | 9291253.82
800 | Commerce de détail(2) | 311249 | 405901.83 | 123269.38 | 2767818.27 | 3133645.17 | 574643.07 | 0 | 182194.7 | 9824 | 7508545.420000001
900 | Rest/débits/boissons, casinos/activités/loterie | 7649 | 2792.01 | 5108.06 | 11691.88 | 22896.44 | 15316.66 | 0 | 0 | 5641 | 71095.05
1000 | Hotels,motels et pensions | 153202 | 0 | 18882.74 | 1056366.4 | 56635.13 | 559558.31 | 0 | 0 | 0 | 1844644.5799999998
1100 | Transport | 33933 | 48470.9 | 69188.78 | 34089.87 | 409860.72 | 28820.84 | 0 | 4963.32 | 0 | 629327.4299999999
1200 | Immobilier résidentiel / Avance Hypothécaire | 869208 | 189850.58 | 66854.53 | 178457.55 | 929993.53 | 585314.44 | 1645143.52 | 0 | 812137 | 5276959.15
1300 | Immobilier commercial | 468197 | 97936.57 | 114213.47 | 900045.86 | 3853906.06 | 3133.02 | 1064749.53 | 963.26 | 42815 | 6545959.77
1400 | Télécommunications | 542564 | 0 | 8197.99 | 136136.02 | 844196.86 | 4074.94 | 0 | 62506.01 | 363245 | 1960920.82
1500 | Services financiers | 8493 | 25282.49 | 8840.21 | 1402910.68 | 765117.27 | 669708.78 | 0 | 11898.79 | 473163 | 3365414.2199999997
1510 | Services professionnels | 338333 | 23890.68 | 68083.18 | 179492.06 | 136553.76 | 137764.47 | 0 | 762.99 | 27342 | 912222.1399999999
1520 | Services médicaux | 253747 | 300.91 | 0 | 6471.14 | 40884.01 | 15755.38 | 0 | 0 | 1332 | 318490.44
1530 | Services d'agence ou de représentation | 1778 | 0 | 4310.86 | 136074.52 | 31972.92 | 55.66 | 0 | 1239.06 | 1025 | 176456.02
1540 | Services d'enseignement | 25160 | 0 | 5353.79 | 148456.7 | 7732.17 | 11118.63 | 0 | 0 | 5808 | 203629.29000000004
1550 | Autres services | 209898 | 36813.36 | 1571.65 | 1226710.59 | 139130.52 | 448818.59 | 0 | 46900.72 | 22501 | 2132344.43
1560 | Crédit à la consommation | 2601464 | 374009.55 | 259767.63 | 2234299.89 | 1184838 | 269084.66 | 253560.26 | 22978.81 | 617342 | 7817344.8
Total | 9954558 | 1564916.07 | 1585365.62 | 21793833.06 | 21851694.200000007 | 4963954.539999999 | 2963453.3099999996 | 1551010.11 | 3180142 | 69408926.90999998
(1) Commerce de gros
Import-export | 2255 | 45618.32 | 120923.07 | 793915.62 | 1357676.34 | 179046 | 0 | 0 | 4404 | 2503838.35
Produits pétroliers | 396024 | 0 | 0 | 135295.42 | 38403.14 | 5273 | 0 | 0 | 0 | 574995.56
Produits pharmaceutiques | 0 | 0 | 0 | 120997.87 | 90309.45 | 31203 | 0 | 0 | 0 | 242510.32
Produits alimentaires | 472462 | 16421.86 | 51106.64 | 1775401.72 | 649563.27 | 229806 | 0 | 112290.95 | 3411 | 3310463.44
Matériaux de construction | 0 | 0 | 0 | 0 | 625849.12 | 99431 | 0 | 0 | 0 | 725280.12
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 64950 | 67646.3 | 87625.54 | 1117524.47 | 373326.96 | 14373 | 0 | 195688.25 | 13032 | 1934166.52
S-Total | 935691 | 129686.48000000001 | 259655.25 | 3943135.0999999996 | 3135128.2800000003 | 559132 | - | 307979.2 | 20847 | 9291254.31
(2) Commerce de détail
Produits pétroliers | 27397 | 6556.48 | 822.42 | 147107.45 | 87080.24 | 33911 | 0 | 30329.42 | 0 | 333204.01
Produits pharmaceutiques | 0 | 0 | 0 | 11635.18 | 13796.9 | 19704 | 0 | 0 | 1697 | 46833.08
Véhicules automobiles | 17731 | 0 | 0 | 848425.1 | 1219219.99 | 83261 | 0 | 5871.77 | 0 | 2174508.86
Produits alimentaires | 13105 | 176.88 | 36829.92 | 667629.58 | 571416.2 | 161709 | 0 | 0 | 5350 | 1456216.58
Librairie ,papeterie | 1800 | 1788.25 | 0 | 59160.42 | 18301.19 | 8235 | 0 | 0 | 0 | 89284.86
Appareils électro- ménagers électroni.équip. inform. | 13328 | 0 | 6136.44 | 366204.2 | 155242.65 | 174159 | 0 | 3135.23 | 0 | 718205.52
Matériaux de construction | 0 | 0 | 0 | 0 | 305851.45 | 761 | 0 | 37723.06 | 0 | 344335.51
Autres | 237887 | 397380.22 | 79480.6 | 667656.35 | 762736.55 | 92902 | 0 | 105135.22 | 2777 | 2345954.94
S-Total | 311248 | 405901.82999999996 | 123269.38 | 2767818.2800000003 | 3133645.17 | 574642 | - | 182194.7 | 9824 | 7508543.359999999
[Secteur d'activité mars 14 %]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2014
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 0.00011618057241372666 | 0.004843429943294738 | 0 | 0 | 0 | 0 | 0.001561314586242175
200 | Industrie alimentaire | 0.017555073766208403 | 0.013900528224494493 | 0.011662533718878047 | 0.016506262987773846 | 0.04913549311888136 | 0.05099138156087949 | - | 0.23643959354978028 | 0.053085679821844436 | 0.035111955457258065
210 | Industrie des boissons | 0.0003944926535161079 | 0 | 0.00596973964907855 | 0.031607150431205516 | 0.05238568229643263 | 0.022162356466705276 | - | 0.2239640462433865 | 0.023636365923282672 | 0.03428231246227749
220 | Industrie du bois | 0.0004970587343004079 | 0 | 0.005563959435426636 | 0.00013077277375455864 | 0 | 0 | - | 0 | 0 | 0.00023945248457090724
230 | Industrie chimique | 0 | 0 | 0.00030748112224106386 | 0.024003973443302132 | 0.0043939645649992655 | 0.013821037128192559 | - | 0 | 0 | 0.009915851759132177
240 | Industrie du textile | 0.02149758934550384 | 0 | 0 | 0.028602046656220466 | 0.011030068780662322 | 0.007182666503629988 | - | 0 | 0.0024998883697646204 | 0.01616474133730416
250 | Industrie pharmacie | 0 | 0 | 0.005999707499649197 | 0 | 0.0029914101580279288 | 0 | - | 0 | 0 | 0.0010814035505451098
260 | Imprimerie, édition | 0.00574309778495439 | 0 | 0.0025230205257005633 | 0.006429716131816604 | 0.005351138402806313 | 0.009516942514143171 | - | 0 | 0.0014263514019185308 | 0.005330829858236748
270 | Sidérurgie, aciérie | 0.046021330128369335 | 0 | 0.010735668659195471 | 0.02805246687523264 | 0.021056568236251443 | 0.013089362417891928 | - | 0.12446423705129814 | 0.015601190135534829 | 0.026715133089499604
280 | Industrie de la fabrication | 0.0074330773902768965 | 0 | 0 | 0.03629316365883919 | 0.02484667115650922 | 0.017405904768821676 | - | 0 | 0.0040196318277611505 | 0.021713159921838074
290 | Autres industries | 0 | 0 | 0 | 0.003750194368057622 | 0.005424211455421153 | 0.0077720212159718945 | - | 0 | 0.0007505954136639182 | 0.00347543595239254
300 | Production et distribution de l'électricité | 0.22171562012095364 | 0 | 0.23244617856668293 | 0.04116130776675776 | 0.00016410581107253455 | 0.0004157028400183537 | - | 0.00023344786579115203 | 0 | 0.05011844448352675
400 | Production et distribution de gaz | 0 | 0.001255850098082257 | 0.0038652850312220093 | 0 | 0.11393605444103273 | 0.018523368668883905 | - | 0.0007254498167004211 | 0 | 0.037339213057717056
500 | Traitement et distribution de l'eau | 0 | 0.0026750635898320093 | 0 | 0.012034855882299762 | 0.0028026284570648982 | 0 | - | 0 | 0 | 0.004721497429645251
600 | Entrep/ batiment et corps/ métiers corresp. | 0 | 0.12912896983670186 | 0.08176943435924894 | 0.11227373694492272 | 0.029265496951719185 | 0.056984556913367714 | - | 0 | 0.143346743635976 | 0.059888809048870534
700 | Commerce de gros(1) | 0.09399613724687726 | 0.08287120471579028 | 0.16378256644672287 | 0.1809289393538192 | 0.14347300769017712 | 0.1126385214639778 | - | 0.19856685524764245 | 0.0065553676533940935 | 0.13386251932763102
800 | Commerce de détail(2) | 0.03126698342608481 | 0.2593761018761856 | 0.07775454345982348 | 0.12700006751359416 | 0.14340513560728846 | 0.11576316127987749 | - | 0.1174684154702254 | 0.003089170232021086 | 0.1081783821515647
900 | Rest/débits/boissons, casinos/activités/loterie | 0.0007683917256798343 | 0.0017841276305635995 | 0.003222007551797421 | 0.0005364765329628527 | 0.001047810745951222 | 0.003085576202718408 | - | 0 | 0.0017738201627474496 | 0.001024292597005373
1000 | Hotels,motels et pensions | 0.0153901358553539 | 0 | 0.011910653140062417 | 0.048470886103043315 | 0.0025917958343019453 | 0.11272430186276447 | - | 0 | 0 | 0.026576474556246676
1100 | Transport | 0.003408790224538347 | 0.030973482175309246 | 0.043642159970644495 | 0.001564197996109639 | 0.01875647335390589 | 0.005806024162340537 | - | 0.0032000565102699424 | 0 | 0.009066952307388729
1200 | Immobilier résidentiel | 0.08731758858605274 | 0.12131678090570057 | 0.042169786676716246 | 0.0081884425520143 | 0.042559332996706487 | 0.11791293318330834 | 0.5551440660288318 | 0 | 0.2553775900572993 | 0.07602709600801696
1300 | Immobilier commercial | 0.047033429309468085 | 0.06258263422395553 | 0.07204235323331913 | 0.04129819006698402 | 0.17636646498558445 | 0.000631154047595287 | 0.35929350612917205 | 0.0006210533340753014 | 0.013463235289493362 | 0.09431005580143756
1400 | Télécommunications | 0.05450407742865128 | 0 | 0.005171040608285677 | 0.006246538625179319 | 0.03863301638186021 | 0.0008209059867820629 | - | 0.040300195077387344 | 0.11422288690253454 | 0.028251709215194386
1500 | Services financiers | 0.0008531770069550049 | 0.016155812113297554 | 0.00557613328337472 | 0.06437191090423082 | 0.03501409378134167 | 0.13491436607717205 | - | 0.0076716392261298675 | 0.14878675228967764 | 0.0484867634441865
1510 | Services professionnels | 0.03398774712046482 | 0.015266428952959758 | 0.04294478140632316 | 0.008235910567262096 | 0.006249115457601451 | 0.027752967697403617 | - | 0.0004919310293857466 | 0.0085977292837867 | 0.013142720693302823
1520 | Services médicaux | 0.025490534084989008 | 0.00019228507251510302 | 0 | 0.0002969252807518753 | 0.0018709766677953963 | 0.0031739573505441495 | - | 0 | 0.0004188492211982987 | 0.004588609191624226
1530 | Services d'agence ou de représentation | 0.00017861164704650875 | 0 | 0.002719158246915938 | 0.00624371672598285 | 0.0014631780816335965 | 0 | - | 0.0007988729357798962 | 0.00032231265144763976 | 0.00254226693677031
1540 | Services d'enseignement | 0.0025274853991508212 | 0 | 0.0033770064977188033 | 0.00681186735675583 | 0.0003538476206572577 | 0.002239873453796779 | - | 0 | 0.00182633354108087 | 0.0029337622560285177
1550 | Autres services | 0.021085617261961807 | 0.023524175325262013 | 0.0009913486076479948 | 0.05628705086538825 | 0.006367035833770726 | 0.09041553188760672 | - | 0.030238822879110696 | 0.007075470214852041 | 0.030721472365722254
1560 | Crédit à la consommation | 0.26133395375264273 | 0.2389965552593501 | 0.16385345230332418 | 0.10251982218312909 | 0.05422179118724806 | 0.05420772044378956 | 0.08556242784199629 | 0.01481538376303685 | 0.1941240359707208 | 0.11262736866882361
Total | 0.9999999999999998 | 0.9999999999999998 | 0.9999999999999999 | 0.9999627711198041 | 0.9999999999999993 | 0.9999522960981834 | 1 | 1 | 1 | 1.0000000000000002
(1) Commerce de gros
Import-export | 0.0002265293948761964 | 0.029150649593623252 | 0.076274563087851 | 0.03642845284784429 | 0.0621313994042622 | 0.036069226371279385 | - | 0 | 0.00138484382143942 | 0.03607372223527725
Produits pétroliers | 0.039783182739002575 | 0 | 0 | 0.006207968081040262 | 0.0017574445097259318 | 0.0010622579150372318 | - | 0 | 0 | 0.00828417302497092
Produits pharmaceutiques | 0 | 0 | 0 | 0.005551931579308886 | 0.0041328351556374964 | 0.0062859157449093005 | - | 0 | 0 | 0.00349393559007841
Produits alimentaires | 0.04746187625809202 | 0.010493764052151373 | 0.032236500751164264 | 0.08146349084680013 | 0.029725991223142772 | 0.04629494451413732 | - | 0.07239859319808044 | 0.0010725936137442919 | 0.04769506729721606
Matériaux de construction | 0 | 0 | 0 | 0 | 0.02864075958009699 | 0.020030602455920157 | - | 0 | 0 | 0.010449378088505016
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0
Autres | 0.006524649311400868 | 0.04322679107001566 | 0.05527150260770761 | 0.05127709599882564 | 0.017084577359681333 | 0.0028954737365503758 | - | 0.126168262049562 | 0.004097930218210382 | 0.027866250151193997
S-Total | 0.09399623770337166 | 0.08287120471579029 | 0.16378256644672287 | 0.1809289393538192 | 0.14347300723254672 | 0.11263842073783377 | - | 0.19856685524764245 | 0.0065553676533940935 | 0.13386252638724166
(2) Commerce de détail
Produits pétroliers | 0.002752206577127784 | 0.004189668778850229 | 0.0005187573072260769 | 0.00674995764145768 | 0.0039850566826987715 | 0.00683144854102552 | - | 0.019554624308670686 | 0 | 0.004800593019281993
Produits pharmaceutiques | 0 | 0 | 0 | 0.0005338748795573274 | 0.0006313881145197426 | 0.003969415884296153 | - | 0 | 0.000533623970250385 | 0.0006747414501988591
Véhicules automobiles | 0.0017811941022393963 | 0 | 0 | 0.038929595251290784 | 0.055795215640533705 | 0.016773118957692956 | - | 0.0037857715833973515 | 0 | 0.0313289508541114
Produits alimentaires | 0.0013164823591363876 | 0.00011302842586311992 | 0.023231183731611385 | 0.03063387602180706 | 0.026149743574573718 | 0.032576648052864726 | - | 0 | 0.0016823148148730465 | 0.020980249152795907
Librairie ,papeterie | 0.0001808216899233497 | 0.0011427130401951843 | 0 | 0.0027145486448908315 | 0.0008375181270841687 | 0.0016589595923253563 | - | 0 | 0 | 0.0012863598959795533
Appareils électro- ménagers électroni.équip. inform. | 0.0013388841573880026 | 0 | 0.0038706781089399424 | 0.01680311118249889 | 0.007104375916078852 | 0.035084729039440404 | - | 0.0020214117108495184 | 0 | 0.010347451718008417
Matériaux de construction | 0 | 0 | 0 | 0 | 0.013996692759868474 | 0.00015330519122763766 | - | 0.02432160806482428 | 0 | 0.004960968643795448
Autres | 0.023897294083775493 | 0.253930691631277 | 0.05013392431204607 | 0.03063510435093697 | 0.03490514479193105 | 0.018715320467056498 | - | 0.06778499980248355 | 0.0008732314468976542 | 0.03379903773821361
S-Total | 0.03126688296959042 | 0.25937610187618554 | 0.07775454345982348 | 0.12700006797243954 | 0.14340513560728846 | 0.11576294572592925 | - | 0.11746841547022538 | 0.0030891702320210855 | 0.10817835247238519
[Secteur d'activité mars 14g ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2014
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 1246939 | 535588.31 | 382924.63 | 6710953.37 | 6268773.46 | 1133775.5699999998 | 0 | 490173.9 | 30671 | 16799799.240000002
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 998260 | 89079.45 | 112150.48999999998 | 4168173.9699999997 | 1200922.22 | 1858096.48 | 0 | 60801.56 | 536812 | 9024296.17
Industries Manufacturières ( 200 à 290 ) | 986912 | 21753.16 | 67793.57999999999 | 3822109.76 | 3859341.519999999 | 704773.1499999999 | 0 | 907135.99 | 321257 | 10691076.16
Prêts aux Particuliers ( 1560 ) | 2601464 | 374009.55 | 259767.63 | 2234299.89 | 1184838 | 269084.66 | 253560.26 | 22978.81 | 617342 | 7817344.8
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1337405 | 287787.15 | 181068 | 1078503.41 | 4783899.59 | 588447.46 | 2709893.05 | 963.26 | 854952 | 11822918.92
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 576497 | 48470.9 | 77386.77 | 170225.88999999998 | 1254057.58 | 32895.78 | 0 | 67469.33 | 363245 | 2590248.25
Bâtiments et Travaux Publics ( 600 ) | 0 | 202076 | 129634.45 | 2446875.08 | 639500.69 | 282868.75 | 0 | 0 | 455863 | 4156817.97
Électricité, Gaz et Eau ( 300 à 500 ) | 2207081 | 6151.55 | 374640.07 | 1160159.67 | 2554523.99 | 94012.69 | 0 | 1487.26 | 0 | 6398056.2299999995
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 2532.02 | 105837.15 | 0 | 0 | 0 | 0 | 108369.17
Total | 9954558 | 1564916.07 | 1585365.6199999999 | 21793833.06 | 21851694.199999996 | 4963954.540000001 | 2963453.3099999996 | 1551010.11 | 3180142 | 69408926.91000001
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.12526312067296208 | 0.3422473065919759 | 0.24153710990654637 | 0.30792900686741337 | 0.28687814329746575 | 0.2284016827438552 | 0 | 0.31603527071786786 | 0.00964453788541518 | 0.2420409014791956
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1002817001016017 | 0.05692282909459802 | 0.07074108873384045 | 0.19125474433637787 | 0.05495785402305329 | 0.37431778736636045 | 0 | 0.0392012660704062 | 0.16880126736479062 | 0.13001636204088662
Industries Manufacturières ( 200 à 290 ) | 0.09914171980312939 | 0.013900528224494493 | 0.042762110610169525 | 0.17537574732620256 | 0.17661520816999168 | 0.14197816364369842 | 0 | 0.5848678768444648 | 0.10101970289377016 | 0.15403027587305482
Prêts aux Particuliers ( 1560 ) | 0.26133395375264273 | 0.2389965552593501 | 0.1638534523033242 | 0.10251982218312909 | 0.05422179118724809 | 0.05420772044378954 | 0.08556242784199629 | 0.01481538376303685 | 0.1941240359707208 | 0.11262736866882356
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.1343510178955208 | 0.18389941512965613 | 0.1142121399100354 | 0.04948663261899832 | 0.21892579798229103 | 0.11854408723090358 | 0.9144375721580038 | 0.0006210533340753014 | 0.2688408253467927 | 0.17033715180945444
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05791286765318963 | 0.030973482175309246 | 0.04881320057893018 | 0.007810736621288958 | 0.05738948973576613 | 0.006626930149122597 | 0 | 0.04350025158765728 | 0.11422288690253454 | 0.0373186615225831
Bâtiments et Travaux Publics ( 600 ) | 0 | 0.12912896983670186 | 0.08176943435924895 | 0.11227373694492272 | 0.0292654969517192 | 0.05698455691336769 | 0 | 0 | 0.143346743635976 | 0.059888809048870506
Électricité, Gaz et Eau ( 300 à 500 ) | 0.22171562012095364 | 0.003930913687914266 | 0.23631146359790497 | 0.05323339252925341 | 0.11690278870917023 | 0.018939071508902252 | 0 | 0.0009588976824915731 | 0 | 0.09217915497088901
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 0.00011618057241372666 | 0.004843429943294741 | 0 | 0 | 0 | 0 | 0.0015613145862421744
Total | 1 | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 | 0.9999999999999998 | 1 | 0.9999999999999998 | 1 | 0.9999999999999998
[Secteur d'activité déc. 13 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DÉCEMBRE 2013
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 2337.11 | 105841.22 | 0 | 0 | 0 | 0 | 108178.33
200 | Industrie alimentaire | 138568 | 21966.42 | 4225.95 | 296603.87 | 1086374.63 | 199451.56 | 0 | 363000.18 | 154449 | 2264639.61
210 | Industrie des boissons | 3840 | 0 | 9464.22 | 664886.27 | 1037245.67 | 110000.66 | 0 | 318271.72 | 77729 | 2221437.54
220 | Industrie du bois | 6723 | 0 | 10206.39 | 2975.48 | 0 | 0.13 | 0 | 0 | 0 | 19905
230 | Industrie chimique | 0 | 0 | 0 | 553729.18 | 90063.31 | 67416.02 | 0 | 0 | 0 | 711208.51
240 | Industrie du textile | 218286 | 0 | 0 | 589336.61 | 252938.44 | 65250.35 | 0 | 0 | 6510 | 1132321.4000000001
250 | Industrie pharmacie | 0 | 0 | 9102.35 | 0 | 61120.48 | 215.11 | 0 | 0 | 0 | 70437.94
260 | Imprimerie, édition | 13011 | 0 | 0 | 146228.9 | 53376.12 | 33209.67 | 0 | 0 | 4272 | 250097.69
270 | Sidérurgie, aciérie | 458554 | 23.68 | 17301.04 | 653387.58 | 47117.08 | 64975 | 0 | 168770.61 | 35731 | 1445859.9899999998
280 | Industrie de la fabrication | 75439 | 3293.31 | 0 | 664199.83 | 542140.56 | 88983.02 | 0 | 0 | 8484 | 1382539.72
290 | Autres industries | 0 | 0 | 0 | 49296.57 | 109349.41 | 43625.74 | 0 | 0 | 1289 | 203560.72
300 | Production et distribution de l'électricité | 2553161 | 0 | 389577.04 | 871975.87 | 90644.01 | 2166.29 | 0 | 66754.06 | 0 | 3974278.27
400 | Production et distribution de gaz | 0 | 8155.65 | 753.51 | 0 | 1736492.91 | 92211.32 | 0 | 1635.41 | 0 | 1839248.7999999998
500 | Traitement et distribution de l'eau | 0 | 5647.77 | 0 | 267259.81 | 59555.34 | 0.001 | 0 | 0 | 0 | 332462.92100000003
600 | Entrep/ batiment et corps/ métiers corresp. | 30949 | 172905.3 | 174540.89 | 1835512.96 | 883789.31 | 305966.39 | 0 | 0 | 438017 | 3841680.85
700 | Commerce de gros(1) | 964590 | 130518.81 | 151178.41 | 4121138.55 | 3050500.63 | 478462.32 | 0 | 449593.94 | 41247 | 9387229.659999998
800 | Commerce de détail(2) | 292858 | 422577.28 | 89004.88 | 2375882.06 | 2986472.21 | 569487.22 | 0 | 200621.13 | 14434 | 6951336.779999999
900 | Rest/débits/boissons, casinos/activités/loterie | 1497 | 2528.58 | 4596.03 | 11461.33 | 18938.12 | 14603.17 | 0 | 0 | 7020 | 60644.229999999996
1000 | Hotels,motels et pensions | 103193 | 0 | 5543.13 | 1021737.87 | 87527.57 | 556356.58 | 0 | 0 | 0 | 1774358.15
1100 | Transport | 38735 | 48275.11 | 55227.54 | 29793.11 | 385926.99 | 37218.26 | 0 | 4996.96 | 0 | 600172.97
1200 | Immobilier résidentiel / Avance Hypothécaire | 794273 | 195138.11 | 60240.26 | 185987.61 | 844864.93 | 626782.63 | 1538922.2 | 0 | 827601 | 5073809.74
1300 | Immobilier commercial | 414904 | 114267.17 | 109404.51 | 902493.58 | 3793965.71 | 4060.81 | 981326.08 | 12336.45 | 35442 | 6368200.31
1400 | Télécommunications | 564784 | 0 | 7402.01 | 126107.51 | 925022.03 | 4382.9 | 0 | 55945.02 | 359574 | 2043217.47
1500 | Services financiers | 7763 | 0 | 0 | 1751489.13 | 1486354.83 | 701446.12 | 0 | 17400.04 | 327984 | 4292437.12
1510 | Services professionnels | 343027 | 22641.24 | 35146.64 | 57627.63 | 207532.01 | 150079.82 | 0 | 0 | 26669 | 842723.3400000001
1520 | Services médicaux | 297588 | 1362.41 | 0 | 2682.65 | 40501.36 | 17679.5 | 0 | 0 | 1462 | 361275.92
1530 | Services d'agence ou de représentation | 1431 | 0 | 4323.96 | 119439.65 | 28013.88 | 234.32 | 0 | 464.09 | 783 | 154689.9
1540 | Services d'enseignement | 27316 | 0 | 1715.12 | 143414.84 | 8127.87 | 11158.97 | 0 | 0 | 5165 | 196897.8
1550 | Autres services | 39311 | 38083.63 | 1604.76 | 2076491.11 | 83534.97 | 339705.48 | 0 | 49418.95 | 21365 | 2649514.9000000004
1560 | Crédit à la consommation | 2604337 | 332756.51 | 171784.87 | 2241605.93 | 666480.38 | 260257.66 | 239285.55 | 25582.19 | 601358 | 7143448.090000001
Total | 9994138 | 1520140.9799999997 | 1312343.5100000002 | 21765082.599999994 | 20769811.980000004 | 4845387.021 | 2759533.8299999996 | 1734790.7499999998 | 2996585 | 67697813.671
(1) Commerce de gros
Import-export | 6051 | 9156 | 17990.23 | 787478.51 | 1359135.38 | 177673 | 0 | 0 | 24578 | 2382062.12
Produits pétroliers | 428216 | 0 | 0 | 293608.09 | 8607.64 | 13149 | 0 | 0 | 0 | 743580.7300000001
Produits pharmaceutiques | 0 | 0 | 0 | 101070.65 | 82200.3 | 55756 | 0 | 0 | 0 | 239026.95
Produits alimentaires | 466939 | 43794.41 | 46774.6 | 1753837.75 | 693007.09 | 146674 | 0 | 92670.67 | 3637 | 3247334.5199999996
Matériaux de construction | 0 | 0 | 0 | 0 | 725422.96 | 70100 | 0 | 0 | 0 | 795522.96
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 63384 | 77568.42 | 43660.32 | 1185143.55 | 182127.26 | 15109 | 0 | 356923.27 | 13032 | 1936947.82
S-Total | 964590 | 130518.83 | 108425.15 | 4121138.55 | 3050500.63 | 478461 | - | 449593.94 | 41247 | 9344475.1
(2) Commerce de détail
Produits pétroliers | 21988 | 6556.48 | 0 | 122447.12 | 79413.5 | 35356 | 0 | 43219.97 | 0 | 308981.06999999995
Produits pharmaceutiques | 0 | 0 | 5794.22 | 8872.96 | 13584.14 | 8027 | 0 | 0 | 2009 | 38287.32
Véhicules automobiles | 18942 | 0 | 0 | 716569.97 | 1187586.97 | 105766 | 0 | 18586.16 | 1220 | 2048671.0999999999
Produits alimentaires | 11453 | 176.88 | 0 | 611977.01 | 578848.81 | 147383 | 0 | 0 | 6312 | 1356150.7000000002
Librairie ,papeterie | 1828 | 1755.28 | 22455.93 | 62313.62 | 21055.09 | 8830 | 0 | 0 | 0 | 118237.92
Appareils électro- ménagers électroni.équip. inform. | 13317 | 0 | 0 | 355502.98 | 164595.63 | 169611 | 0 | 3016.7 | 0 | 706043.3099999999
Matériaux de construction | 0 | 0 | 0 | 0 | 260397.95 | 601 | 0 | 35113.4 | 0 | 296112.35000000003
Autres | 225330 | 414088.64 | 60754.73 | 498198.41 | 680990.12 | 93912 | 0 | 100684.8 | 4893 | 2078851.7
S-Total | 292858 | 422577.28 | 89004.88 | 2375882.0700000003 | 2986472.2100000004 | 569486 | - | 200621.03000000003 | 14434 | 6951335.47
[Secteur d'activité déc. 13 %]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DÉCEMBRE 2013
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 0.0001073788711465768 | 0.005095916135491178 | 0 | 0 | 0 | 0 | 0.0015979589906068238
200 | Industrie alimentaire | 0.013864927620571179 | 0.01445025184440459 | 0.0032201553692295082 | 0.01362750950460441 | 0.05230546290193233 | 0.04116318451664916 | - | 0.20924724206651438 | 0.05154167160284123 | 0.033452182385176686
210 | Industrie des boissons | 0.00038422523283148584 | 0 | 0.007211694139440669 | 0.030548299871832336 | 0.04994006065143012 | 0.02270214113408383 | - | 0.18346404025961058 | 0.025939194115968678 | 0.032814021894352646
220 | Industrie du bois | 0.0006726943334182498 | 0 | 0.007777224425028777 | 0.0001367088769973242 | 0 | 0 | - | 0 | 0 | 0.00029402722068300397
230 | Industrie chimique | 0 | 0 | 0 | 0.0254411706206895 | 0.004336260245722262 | 0.013913443798775555 | - | 0 | 0 | 0.010505634841567467
240 | Industrie du textile | 0.021841403430691072 | 0 | 0 | 0.0270771593579893 | 0.012178176684678873 | 0.013466488789688778 | - | 0 | 0.0021724729984298795 | 0.01672611475317197
250 | Industrie pharmacie | 0 | 0 | 0.006935950786238885 | 0 | 0.002942755575199963 | 0 | - | 0 | 0 | 0.0010404758467136997
260 | Imprimerie, édition | 0.0013018631521798077 | 0 | 0 | 0.006718508846826064 | 0.0025698894169768017 | 0.006853873561816354 | - | 0 | 0.001425622833992695 | 0.0036943244757568204
270 | Sidérurgie, aciérie | 0.04588229620203363 | 0 | 0.013183316615022539 | 0.03001999082695878 | 0.0022685366649139974 | 0.013409661543731617 | - | 0.09728585998051927 | 0.01192390671380922 | 0.021357558118887506
280 | Industrie de la fabrication | 0.007548324828014182 | 0.0021664503775169594 | 0 | 0.030516761282587557 | 0.026102333546497512 | 0.018364481436538693 | - | 0 | 0.002831222875373133 | 0.02042222111808382
290 | Autres industries | 0 | 0 | 0 | 0.002264938337518646 | 0.005264824260580523 | 0.009003561492802372 | - | 0 | 0.0004301563279533202 | 0.003006902423603676
300 | Production et distribution de l'électricité | 0.25546585408366385 | 0 | 0.2968559961865472 | 0.040063062751712245 | 0.004364219092945298 | 0.00044708296584179094 | - | 0.038479603375796194 | 0 | 0.05870615392860875
400 | Production et distribution de gaz | 0 | 0.0053650616010628175 | 0.0005741713158622622 | 0 | 0.08360657822382461 | 0.0190307440046284 | - | 0.0009427131197235173 | 0 | 0.02716851106800051
500 | Traitement et distribution de l'eau | 0 | 0.003715293564416638 | 0 | 0.01227929224582865 | 0.002867399091399959 | 0 | - | 0 | 0 | 0.004910984608981819
600 | Entrep/ batiment et corps/ métiers corresp. | 0.0030967152945056394 | 0.1137429371846814 | 0.13299939281903408 | 0.08433291955436918 | 0.0425516278554198 | 0.0631459135614835 | - | 0 | 0.14617205919404921 | 0.0567474877205034
700 | Commerce de gros(1) | 0.09651557743149033 | 0.08585967467306882 | 0.11519728550339688 | 0.18934633172492535 | 0.14687184616487794 | 0.09874594494234107 | - | 0.25916321031801676 | 0.013764668781296042 | 0.1386637049406109
800 | Commerce de détail(2) | 0.029302977405355018 | 0.27798558525802003 | 0.06782132827402788 | 0.10916025928612835 | 0.14378908258176729 | 0.1175318333771547 | - | 0.11564572269018614 | 0.0048168164760886145 | 0.1026818504624437
900 | Rest/débits/boissons, casinos/activités/loterie | 0.00014978780561164954 | 0.0016633851947074015 | 0.0035021547064304826 | 0.000526592534043496 | 0.0009118098911167897 | 0.0030138294292508696 | - | 0 | 0.0023426667356340634 | 0.0008958078069510599
1000 | Hotels,motels et pensions | 0.0103253527217655 | 0 | 0.004223840753401523 | 0.04694390041046756 | 0.004214172477068326 | 0.11482190743252085 | - | 0 | 0 | 0.026209977158539895
1100 | Transport | 0.00387577197753323 | 0.031756995328157005 | 0.042083143307501854 | 0.0013688489286964622 | 0.018581149909860664 | 0.007681173833729969 | - | 0.0028804396149795016 | 0 | 0.00886547049978216
1200 | Immobilier résidentiel | 0.07947388759290697 | 0.12836842935449316 | 0.04590281396674868 | 0.008545228769313287 | 0.04067754348539846 | 0.1293565668301649 | 0.5576746997154951 | 0 | 0.27618138647827445 | 0.07494791138540843
1300 | Immobilier commercial | 0.041514735938206974 | 0.0751687978308433 | 0.08336575688174812 | 0.041465203536604094 | 0.18266731127144267 | 0.0008380775327957027 | 0.3556129913435416 | 0.0071112034693521405 | 0.011827463596060182 | 0.09406803506163999
1400 | Télécommunications | 0.05651152705716091 | 0 | 0.005640299162221634 | 0.005794028551033389 | 0.044536851411593754 | 0.000904551067026107 | - | 0.03224885767923307 | 0.11999459384599469 | 0.0301814395355468
1500 | Services financiers | 0.0007767553339767772 | 0 | 0 | 0.08047243202284013 | 0.07156322991422669 | 0.14476575698905353 | - | 0.01003005117475984 | 0.10945259353564141 | 0.06340584558403205
1510 | Services professionnels | 0.03432282003710575 | 0.01489417119720041 | 0.026781585562152085 | 0.0026477101446883556 | 0.009992002344548907 | 0.030973752839463846 | - | 0 | 0.008899797602938011 | 0.0124483095435769
1520 | Services médicaux | 0.029776254840587553 | 0.0008962392422313359 | 0 | 0.00012325475851858247 | 0.0019500109119427855 | 0.003648728145631445 | - | 0 | 0.0004878887133186611 | 0.0053365965665559045
1530 | Services d'agence ou de représentation | 0.00014318393442235838 | 0 | 0.0032948385594561286 | 0.005487672718503721 | 0.001348778699921577 | 4.8359398121234204e-05 | - | 0.00026751929591508375 | 0.00026129744358995325 | 0.002285005846005115
1540 | Services d'enseignement | 0.0027332022031314757 | 0 | 0.001306913919207022 | 0.0065892164360543265 | 0.0003913309377969631 | 0.0023030090169550567 | - | 0 | 0.0017236287307051193 | 0.002908480929042852
1550 | Autres services | 0.003933405762457953 | 0.0250526960992789 | 0.0012228200831350929 | 0.09540469697091802 | 0.004021941560204725 | 0.07010904980917107 | - | 0.02848698034618873 | 0.007129782736014496 | 0.03913737765411742
1560 | Crédit à la consommation | 0.2605864557803785 | 0.21889845374736233 | 0.13089931766416857 | 0.10299092225820455 | 0.032088898091219016 | 0.053712460712021216 | 0.08671230894096342 | 0.014746556609204887 | 0.20068110866202693 | 0.10551962763104815
Total | 1 | 0.999984422497445 | 0.9999999999999998 | 1.0000000000000004 | 0.9999999999999999 | 0.9999555781614414 | 1 | 1 | 0.9999999999999998 | 0.9999999999999999
(1) Commerce de gros
Import-export | 0.0006054549176727397 | 0.006023125565630104 | 0.013708476372927691 | 0.03618081881297341 | 0.06543802039752503 | 0.03666848473196503 | - | 0 | 0.008202003280400856 | 0.03518669201898338
Produits pétroliers | 0.04284671674535613 | 0 | 0 | 0.01348986794104793 | 0.0004144303284155198 | 0.0027137151156371997 | - | 0 | 0 | 0.01098382192390551
Produits pharmaceutiques | 0 | 0 | 0 | 0.004643706245341795 | 0.003957681469584492 | 0.01150702714940054 | - | 0 | 0 | 0.003530792754425288
Produits alimentaires | 0.04672128801903676 | 0.02880943976656692 | 0.03564204009360323 | 0.08058033972267123 | 0.03336607431339876 | 0.030270853363067198 | - | 0.05341893251390694 | 0.0012137149455129757 | 0.04796808558370141
Matériaux de construction | 0 | 0 | 0 | 0 | 0.034926794748962375 | 0.01446736859123642 | - | 0 | 0 | 0.011751087913504975
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0
Autres | 0.006342117749424713 | 0.051027122497546255 | 0.0332689723897061 | 0.054451599002891 | 0.008768844906991785 | 0.0031182235669756217 | - | 0.20574427780410984 | 0.00434895055538221 | 0.028611674660768825
S-Total | 0.09651557743149035 | 0.08585968782974328 | 0.08261948885623702 | 0.18934633172492538 | 0.14687184616487794 | 0.09874567251828201 | - | 0.25916321031801676 | 0.013764668781296042 | 0.13803215485528939
(2) Commerce de détail
Produits pétroliers | 0.002200089692577789 | 0.0043130736466298015 | 0 | 0.005625851380871857 | 0.003823505965122366 | 0.007296837145674107 | - | 0.024913650248596268 | 0 | 0.004564121841535327
Produits pharmaceutiques | 0 | 0 | 0.004415170232373077 | 0.0004076694843326715 | 0.0006540328825836582 | 0.0016566272137211804 | - | 0 | 0.0006704298393004036 | 0.0005655621344888616
Véhicules automobiles | 0.0018953110313265637 | 0 | 0 | 0.03292291525693544 | 0.05717851327414856 | 0.021828184114418135 | - | 0.010713776286851889 | 0.0004071301164492247 | 0.030261997971695175
Produits alimentaires | 0.0011459717686507832 | 0.00011635762888255273 | 0 | 0.028117375947840428 | 0.027869718346867765 | 0.030417178103882985 | - | 0 | 0.0021063977828094313 | 0.020032415028802326
Librairie ,papeterie | 0.00018290722021248857 | 0.0011546823768937538 | 0.0171113201908546 | 0.002863008661405219 | 0.0010137352240008094 | 0.0018223518496521768 | - | 0 | 0 | 0.0017465544836442787
Appareils électro- ménagers électroni.équip. inform. | 0.0013324811004210668 | 0 | 0 | 0.016333637989501593 | 0.007924753009728495 | 0.03500463415304138 | - | 0.0017389417138637614 | 0 | 0.010429336956600279
Matériaux de construction | 0 | 0 | 0 | 0 | 0.012537328226694903 | 0.00012403549961958758 | - | 0.020240712028237413 | 0 | 0.004374031212278971
Autres | 0.022546216592166327 | 0.2724014716056139 | 0.0462948378508002 | 0.02288980102469265 | 0.03278749565262073 | 0.01938173351127239 | - | 0.05803858476879705 | 0.0016328587375295544 | 0.03070781148269972
S-Total | 0.02930297740535502 | 0.27798558525802003 | 0.06782132827402787 | 0.10916025974557986 | 0.14378908258176729 | 0.11753158159128194 | - | 0.11564566504634638 | 0.0048168164760886145 | 0.10268183111174493
[Secteur d'activité sept. 13]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2013
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 2583.17 | 104065.61 | 0 | 0 | 0 | 0 | 106648.78
200 | Industrie alimentaire | 223727 | 22251.14 | 19.41 | 215321.66 | 1040692.7 | 215246.84 | 0 | 300727.12 | 142758 | 2160743.87
210 | Industrie des boissons | 3827 | 0 | 9540.07 | 665004.44 | 1032914.31 | 90512.49 | 0 | 182388.78 | 80292 | 2064479.0899999999
220 | Industrie du bois | 14454 | 0 | 656.88 | 5924.5 | 0 | 0 | 0 | 0 | 0 | 21035.379999999997
230 | Industrie chimique | 0 | 0 | 0 | 459982.92 | 89144.19 | 58668.18 | 0 | 652.77 | 0 | 608448.06
240 | Industrie du textile | 223934 | 0 | 0 | 591490.53 | 259885.86 | 26872.78 | 0 | 0 | 6207 | 1108390.1700000002
250 | Industrie pharmacie | 0 | 0 | 8945.97 | 0 | 58759.42 | 368.16 | 0 | 0 | 0 | 68073.55
260 | Imprimerie, édition | 35094 | 0 | 0 | 267201.37 | 81969.63 | 56244.05 | 0 | 0 | 4488 | 444997.05
270 | Sidérurgie, aciérie | 458981 | 0 | 16078.28 | 693142.16 | 492235.84 | 64975 | 0 | 116469.54 | 20057 | 1861938.82
280 | Industrie de la fabrication | 5318 | 800.87 | 0 | 578525.78 | 532320.65 | 120897.77 | 0 | 0 | 6998 | 1244861.07
290 | Autres industries | 0 | 0 | 0 | 48909.06 | 164985.21 | 337.58 | 0 | 0 | 2227 | 216458.84999999998
300 | Production et distribution de l'électricité | 2998322 | 0 | 527752.35 | 896694.32 | 92435.89 | 1889.41 | 0 | 66070.95 | 0 | 4583164.92
400 | Production et distribution de gaz | 0 | 6633.13 | 1010.76 | 0 | 1725329.26 | 92537.1 | 0 | 2122.4 | 0 | 1827632.65
500 | Traitement et distribution de l'eau | 0 | 4254.39 | 0 | 260645.95 | 77111.96 | 0 | 0 | 0 | 0 | 342012.30000000005
600 | Entrep/ batiment et corps/ métiers corresp. | 30949 | 161344.75 | 173220.41 | 1885338 | 748114.32 | 302024.76 | 0 | 8812.72 | 82490 | 3392293.9600000004
700 | Commerce de gros(1) | 843481 | 135171.94 | 108438.8 | 3907598.75 | 3307179.06 | 503485.65 | 0 | 294341.77 | 51943 | 9151639.97
800 | Commerce de détail(2) | 266107 | 396242.23 | 88838.84 | 2412459.07 | 2906995.2 | 524322.47 | 0 | 206777.18 | 12460 | 6814201.989999999
900 | Rest/débits/boissons, casinos/activités/loterie | 1825 | 2285.21 | 90.73 | 11359.5 | 12669.5 | 13522.6 | 0 | 0 | 6269 | 48021.54
1000 | Hotels,motels et pensions | 105441 | 0 | 0 | 977188.3 | 26080.39 | 556134.46 | 0 | 0 | 0 | 1664844.15
1100 | Transport | 41858 | 47779.83 | 0 | 31112.11 | 323671.74 | 32603.02 | 0 | 4533.55 | 0 | 481558.25
1200 | Immobilier résidentiel / Avance Hypothécaire | 684986 | 168576.75 | 56280.22 | 216655.71 | 822793.33 | 607876.07 | 1464659.47 | 8353.35 | 842300 | 4872480.9
1300 | Immobilier commercial | 415383 | 116285.99 | 74246.99 | 856546.93 | 3570698.53 | 4276.01 | 900844.02 | 0 | 36427 | 5974708.469999999
1400 | Télécommunications | 574045 | 0 | 1405.23 | 126662.51 | 993171.09 | 3997.12 | 0 | 41301.17 | 355418 | 2096000.12
1500 | Services financiers | 4022 | 0 | 5565.44 | 1479071.64 | 1510940.21 | 699492.07 | 0 | 21018.03 | 345522 | 4065631.3899999997
1510 | Services professionnels | 349257 | 25105.81 | 13128.1 | 64321.81 | 212554.79 | 148278.98 | 0 | 1747.4 | 32304 | 846697.89
1520 | Services médicaux | 352853 | 328.4 | 0 | 2036.25 | 41386.83 | 20273.18 | 0 | 0 | 1606 | 418483.66000000003
1530 | Services d'agence ou de représentation | 1391 | 0 | 4493.93 | 118885.84 | 19539.32 | 225.83 | 0 | 6.02 | 793 | 145334.93999999997
1540 | Services d'enseignement | 27889 | 0 | 1517.95 | 134442.64 | 8330.19 | 9930.81 | 0 | 0 | 17343 | 199453.59000000003
1550 | Autres services | 35665 | 37596.64 | 3503.82 | 1960073.99 | 115714.35 | 326676.39 | 0 | 64041.39 | 21518 | 2564789.58
1560 | Crédit à la consommation | 2560247 | 338847.27 | 256841.12 | 2184438.32 | 627139.9 | 261148.73 | 231147.86 | 17347.13 | 586012 | 7063169.330000001
Total | 10259056 | 1463504.3499999999 | 1351575.2999999998 | 21053617.23 | 20998829.28 | 4742817.51 | 2596651.35 | 1336711.2699999998 | 2655432 | 66458194.28999999
(1) Commerce de gros
Import-export | 5406 | 12926.66 | 17991.14 | 797425.95 | 1442825.75 | 177806 | 0 | 0 | 23760 | 2478141.5
Produits pétroliers | 480407 | 0 | 0 | 137876.61 | 9870.5 | 6494 | 0 | 0 | 0 | 634648.11
Produits pharmaceutiques | 0 | 0 | 0 | 114622.41 | 82673.82 | 50565 | 0 | 0 | 0 | 247861.23
Produits alimentaires | 295904 | 44182.47 | 46781.81 | 1706738.17 | 744906.74 | 152655 | 0 | 102512.26 | 3842 | 3097522.4499999997
Matériaux de construction | 0 | 0 | 0 | 0 | 787257.43 | 97342 | 0 | 0 | 11309 | 895908.43
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 61764 | 78062.81 | 43665.85 | 1150935.61 | 239644.82 | 18624 | 0 | 191829.5 | 13032 | 1797558.59
S-Total | 843481 | 135171.94 | 108438.79999999999 | 3907598.75 | 3307179.06 | 503486 | - | 294341.76 | 51943 | 9151640.309999999
(2) Commerce de détail
Produits pétroliers | 21132 | 6698.07 | 6522.86 | 114106.48 | 80269.85 | 34394 | 0 | 14318.44 | 0 | 277441.7
Produits pharmaceutiques | 0 | 0 | 0 | 10937.59 | 10583.34 | 10782 | 0 | 0 | 1498 | 33800.93
Véhicules automobiles | 11023 | 0 | 0 | 794605.21 | 1178256.44 | 123655 | 0 | 34150.35 | 1216 | 2142906
Produits alimentaires | 11317 | 176.88 | 22367.27 | 585274.81 | 503463.4 | 162928 | 0 | 0 | 6352 | 1291879.36
Librairie ,papeterie | 1910 | 1749.72 | 0 | 63817.28 | 22030.57 | 5197 | 0 | 0 | 0 | 94704.57
Appareils électro- ménagers électroni.équip. inform. | 13978 | 0 | 0 | 344909.53 | 93173.89 | 117078 | 0 | 2473.61 | 0 | 571613.03
Matériaux de construction | 0 | 0 | 0 | 0 | 235251.99 | 578 | 0 | 37149.28 | 850 | 273829.27
Autres | 206747 | 387617.56 | 59948.71 | 498807.81 | 783965.72 | 69710 | 0 | 118685.5 | 2544 | 2128026.3
S-Total | 266107 | 396242.23 | 88838.84 | 2412458.71 | 2906995.1999999993 | 524322 | - | 206777.18 | 12460 | 6814201.159999999
[Secteur d'activité sept 13 %]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2013
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 0.00012269483062127468 | 0.004955781515835058 | 0 | - | 0 | 0 | 0.0016047498903539652
200 | Industrie alimentaire | 0.021807756971011758 | 0.015204013571944628 | 0 | 0.010227300023920877 | 0.04955955811266065 | 0.04538374912088912 | - | 0.2249753755723179 | 0.05376074401453323 | 0.03251282844928467
210 | Industrie des boissons | 0.0003730362715633875 | 0 | 0.007058482054237009 | 0.03158623208236221 | 0.049189137938455585 | 0.019084118208039593 | - | 0.13644590577888974 | 0.030236888009182686 | 0.03106432716169424
220 | Industrie du bois | 0.001408901559753646 | 0 | 0.00048601065734184403 | 0.00028140057526827183 | 0 | 0 | - | 0 | 0 | 0.0003165204866718024
230 | Industrie chimique | 0 | 0 | 0 | 0.02184816580328795 | 0.004245198092300505 | 0.012369900354863116 | - | 0.0004883403130131461 | 0 | 0.009155350465060013
240 | Industrie du textile | 0.021827934266076723 | 0 | 0 | 0.02809448483546882 | 0.0123762070987226 | 0.005665994937258297 | - | 0 | 0.0023374727727917717 | 0.01667800610355705
250 | Industrie pharmacie | 0 | 0 | 0.006618920899190745 | 0 | 0.0027982236160167496 | 7.762474504316318e-05 | - | 0 | 0 | 0.00102430634366849
260 | Imprimerie, édition | 0.0034207825749269717 | 0 | 0 | 0.01269147088032245 | 0.0039035333306924242 | 0.011858784336823452 | - | 0 | 0.0016901204775720108 | 0.006695894385246019
270 | Sidérurgie, aciérie | 0.044739106600061446 | 0 | 0.01189595577841649 | 0.0329227112105144 | 0.02344110871308536 | 0.013699662671608886 | - | 0.08713141170718192 | 0.007553196617348891 | 0.028016692898322808
280 | Industrie de la fabrication | 0.0005183712809443676 | 0.0005472276184214964 | 0 | 0.02747868804110485 | 0.025350015608108224 | 0.025490706683336 | - | 0 | 0.002635352741098247 | 0.01873149102679299
290 | Autres industries | 0 | 0 | 0 | 0.0023230715874471134 | 0.007856876581073856 | 7.117710080310469e-05 | - | 0 | 0.0008386582672800509 | 0.003257067880229341
300 | Production et distribution de l'électricité | 0.29226100335157545 | 0 | 0.3904720291943779 | 0.04259098615710893 | 0.004401954450291145 | 0.0003983729072468572 | - | 0.04942798903760272 | 0 | 0.06896312740609072
400 | Production et distribution de gaz | 0 | 0.0045323609731669065 | 0.0007478384667136194 | 0 | 0.08216311666685448 | 0.019510997377590437 | - | 0.0015877774412719663 | 0 | 0.027500486125531173
500 | Traitement et distribution de l'eau | 0 | 0.002906988284660719 | 0 | 0.012380103008075825 | 0.0036722028152990443 | 0 | - | 0 | 0 | 0.00514627735005227
600 | Entrep/ batiment et corps/ métiers corresp. | 0.0030167492993507395 | 0.11024548714187288 | 0.12816186415954778 | 0.08954936243989081 | 0.03562647755380008 | 0.06368045141167576 | - | 0.0065928373597089526 | 0.031064625266246697 | 0.0510440284488807
700 | Commerce de gros(1) | 0.08221818849609555 | 0.09236183001437612 | 0.08023141588929601 | 0.18560225101993078 | 0.15749349718033423 | 0.10615750003841072 | - | 0.22019846514797475 | 0.019561035643164654 | 0.1377052155534875
800 | Commerce de détail(2) | 0.025938741342283345 | 0.27074892534484096 | 0.06572984871801076 | 0.11458644106830282 | 0.13843606046974824 | 0.1105508421722935 | - | 0.15469098274304222 | 0.004692268527305538 | 0.10253366139117831
900 | Rest/débits/boissons, casinos/activités/loterie | 0.0001778916110800058 | 0.0015614644397879652 | 6.712907523539386e-05 | 0.0005395509890724845 | 0.0006033431593287376 | 0.0028511744277506476 | - | 0 | 0.002360821139460547 | 0.0007225826779230719
1000 | Hotels,motels et pensions | 0.010277846226787337 | 0 | 0 | 0.04641427120692457 | 0.001241992572644983 | 0.11725824551069433 | - | 0 | 0 | 0.025050998869081673
1100 | Transport | 0.004080102496759936 | 0.03264754901480136 | 0 | 0.0014777560387897297 | 0.015413799297291109 | 0.006874188165844062 | - | 0.0033915701182051085 | 0 | 0.007246032714922265
1200 | Immobilier résidentiel | 0.06676891129164321 | 0.11518705086185771 | 0.04164046205934661 | 0.010290664432299076 | 0.039182819148096806 | 0.12816771227615711 | 0.5640570383082041 | 0.0062491804980442794 | 0.3171988587920911 | 0.07331648041381054
1300 | Immobilier commercial | 0.04048939785492934 | 0.07945722197545912 | 0.05493366888252546 | 0.04068407441071351 | 0.17004274297333588 | 0.0009015759073555416 | 0.34692528898806535 | 0 | 0.013717918591023984 | 0.08990175754593166
1400 | Télécommunications | 0.055954953360231194 | 0 | 0.0010396978991847514 | 0.006016187556574096 | 0.04729649814077635 | 0.000842773307548154 | - | 0.030897599898293673 | 0.13384564168843338 | 0.031538625784110215
1500 | Services financiers | 0.0003920438683637169 | 0 | 0.004117743199361516 | 0.07025261378327052 | 0.0719535451168733 | 0.1474845001995449 | - | 0.01572368728513825 | 0.13011894109884944 | 0.06117577273103488
1510 | Services professionnels | 0.03404377556765457 | 0.017154585157194785 | 0.009713184311669502 | 0.0030551429380194918 | 0.010122220966025207 | 0.031263901612777846 | - | 0.0013072381741795298 | 0.01216525220755041 | 0.012740308385528963
1520 | Services médicaux | 0.03439429514762372 | 0.0002243929100723206 | 0 | 9.671734684615048e-05 | 0.0019709113040610425 | 0.004274501381774649 | - | 0 | 0.0006047980140331216 | 0.006296945989442412
1530 | Services d'agence ou de représentation | 0.00013558752384234963 | 0 | 0.003324957181445977 | 0.005646813025107895 | 0.0009304956833288755 | 4.7615156923885104e-05 | - | 0 | 0.0002986331414248228 | 0.0021868626066758575
1540 | Services d'enseignement | 0.0027184762418686476 | 0 | 0.0011230968781391613 | 0.006385726430346051 | 0.00039669782962300457 | 0.002093862978927899 | - | 0 | 0.0065311406957512 | 0.003001188824506054
1550 | Autres services | 0.003476440717352552 | 0.025689462419431826 | 0.0025923971827540803 | 0.09309915576915806 | 0.005510514346159778 | 0.06887812767647475 | - | 0.04790966563781572 | 0.00810338958030181 | 0.038592525833731926
1560 | Crédit à la consommation | 0.24955970607822006 | 0.23153144027211128 | 0.1900309364931425 | 0.10375596250925095 | 0.029865469719176647 | 0.055061939332344254 | 0.08901767270373051 | 0.012977469696952584 | 0.22068424271455642 | 0.10627988625719854
Total | 1 | 1 | 0.9999856389799372 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 0.9999954964096326 | 1 | 1.0000000000000004
(1) Commerce de gros
Import-export | 0.0005269490682183624 | 0.008832676172093374 | 0.01331123763507664 | 0.037875959332238696 | 0.06870981856946645 | 0.03748953014217914 | - | - | 0.008947696645969469 | 0.03728872754481215
Produits pétroliers | 0.04682760285156841 | - | - | 0.006548832368982895 | 0.00047005001414059783 | 0.0013692283091870428 | - | - | - | 0.00954958401714348
Produits pharmaceutiques | - | - | - | 0.005444309581000205 | 0.003937068057348386 | 0.010661384270718019 | - | - | - | 0.0037295811697564563
Produits alimentaires | 0.02884319960822906 | 0.03018950370731731 | 0.03461280329701202 | 0.08106626768002659 | 0.03547372713342046 | 0.032186564142123196 | - | 0.07668990476903813 | 0.0014468455603457366 | 0.04660858578979005
Matériaux de construction | - | 0 | - | - | 0.03749053909161549 | 0.020524087168599495 | - | - | - | 0.013480782009974171
Appareils électroménagers électron.,équipe.inform. | - | - | - | - | - | - | - | - | - | -
Autres | 0.006020436968079714 | - | 0.03230737495720735 | 0.0546668820576824 | 0.011412294314342842 | 0.0039267798014012145 | - | 0.1435085528978895 | 0.004907676039152951 | 0.027047960138009346
S-Total | 0.08221818849609555 | 0.03902217987941068 | 0.080231415889296 | 0.18560225101993078 | 0.15749349718033423 | 0.1061575738342081 | - | 0.22019845766692764 | 0.015302218245468157 | 0.13770522066948565
(2) Commerce de détail
Produits pétroliers | 0.0020598386440233876 | 0.00457673391951312 | 0.00482611660630377 | 0.005419804053310415 | 0.0038225869132833866 | 0.0072518075864150214 | - | - | - | 0.0041746800821783215
Produits pharmaceutiques | - | - | - | 0.0005195112023037383 | 0.0005039966685228463 | 0.0022733322497158447 | - | - | 0.0005641266656423512 | 0.0005086043995192637
Véhicules automobiles | 0.0010744653309232351 | 0 | - | 0.037741980454918715 | 0.05611057760835322 | 0.026072055215972247 | - | 0.025548037759867172 | 0.00045792925595533986 | 0.03224442106640933
Produits alimentaires | 0.0011031229384068086 | 0.00012086059054077975 | 0.016549037260447128 | 0.02779925195780716 | 0.023975784234767587 | 0.03435257621792832 | - | 0 | 0.0023920778238719726 | 0.019438977748367593
Librairie ,papeterie | 0.00018617697378784168 | 0.0011955687046642535 | - | 0.003031178884978712 | 0.0010491332495846644 | 0.0010957621685933263 | - | - | - | 0.0014250247243664618
Appareils électro- ménagers électroni.équip. inform. | 0.001362503528589765 | - | - | 0.016382435675164026 | 0.00443709926670731 | 0.024685326760548288 | - | 0.0018505192972600587 | - | 0.008601091800744443
Matériaux de construction | - | - | - | - | 0.011203100271121398 | 0.00012186848825224988 | - | 0.02779155142456456 | 0.0003200985752977293 | 0.004120323654974828
Autres | 0.020152633926552307 | 0.26485576213012285 | 0.04435469485125987 | 0.023692261740620616 | 0.03733378225740783 | 0.014698014387654565 | - | 0.08878918182533167 | 0.0009580362065381452 | 0.032020525425563745
S-Total | 0.025938741342283345 | 0.270748925344841 | 0.06572984871801077 | 0.11458642396910337 | 0.1384360604697482 | 0.11055074307507987 | - | 0.14397929030702347 | 0.004692268527305538 | 0.10253364890212399
[classifiprêts]
CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS
QUALITÉ DU PORTEFEUILLE
AU 30 SEPTEMBRE 2024
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | SYSTÈME
PORTEFEUILLE PRÊTS BRUTS
Classement du Portefeuille
Courant | 11311393.602281082 | 163492.34000000008 | 9328794.663350012 | 10745569.010669999 | 7356205.42660333 | 43305603.76677999 | 3109212.87895 | 13861.11116 | 0 | 85334132.7997944
A signaler | 2407382.7400456704 | 13804.5 | 2898247.745851283 | 1140182.82849 | 18698391.73043072 | 5234188.2636400005 | 1580449.34559 | 0 | 0 | 31972647.15404767
Restructurés | 0 | 0 | 0 | 0 | 175226.16047000003 | 0 | 0 | 0 | 0 | 175226.16047000003
Faible | 2365720.075372627 | 5205.3 | 198367.06299721272 | 12592.553870000002 | 3103879.1900213864 | 528920.41858 | 326514.42335 | 0 | 0 | 6541199.024191226
Douteux | 3316994.965252447 | 10982.65 | 201074.42777370202 | 24947.198969999998 | 794697.4408897404 | 1716220.76891 | 90080.02626000001 | 0 | 0 | 6154997.478055889
Perte | 1571133.552878174 | 1117682.04 | 17672.468697676002 | 3151.5827200000003 | 660515.801625914 | 485472.44 | 142074.45585 | 0 | 0 | 3997702.3417717637
TOTAL | 20972624.93583 | 1311166.83 | 12644156.368669886 | 11926443.174719999 | 30788915.75004109 | 51270405.65790999 | 5248331.129999999 | 13861.11116 | 0 | 134175904.95833096
Provisions spécifiques | 2951553.066417858 | 1124421.4884499998 | 330913.1374363908 | 224879.60725935 | 2022165.08831102 | 483770.21784999996 | 276124.09383385 | 0 | 0 | 7413826.699558469
Provisions générales | 115716.27890944485 | 1896.79 | 159836.9493400282 | 132289.47343 | 122478.688764803 | 316033.68119812506 | 27141.77 | 0 | 875393.6316424012
TOTAL 1 | 3067269.345327303 | 1126318.2784499999 | 490750.08677641896 | 357169.08068935 | 2144643.777075823 | 799803.899048125 | 303265.86383385 | 0 | 0 | 8289220.33120087
Portefeuille de Prêts Net | 17905355.590502698 | 184848.5515500002 | 12153406.281893468 | 11569274.094030648 | 28644271.972965267 | 50470601.75886186 | 4945065.266166149 | 13861.11116 | 0 | 125886684.62713008
(En pourcentage)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | SCOTIA | TOTAL
PORTEFEUILLE PRÊTS BRUTS
Classement du Portefeuille
Courant | 0.5393408615702892 | 0.12469224835408632 | 0.737794945850655 | 0.9009868955269874 | 0.23892382201193665 | 0.844651084989003 | 0.5924193428226013 | 1 | #DIV/0! | 0.6359870114257502
A signaler | 0.11478690661810556 | 0.01052840850160921 | 0.22921637959434432 | 0.09560124605354257 | 0.6073091979669912 | 0.10208985469246958 | 0.3011336949675278 | 0 | #DIV/0! | 0.23828903679820118
Restructurés | 0.11280038062050064 | 0 | 0 | 0 | 0.005691209196600766 | 0 | 0 | 0 | #DIV/0! | 0.0013059435710488963
Faible | 0.15815831234294542 | 0.003969975353937226 | 0.01568843797983496 | 0.0010558515800160714 | 0.10081157827122392 | 0.010316290885410584 | 0.062212999763602964 | 0 | #DIV/0! | 0.04875092160714422
Douteux | 0.15815831234294542 | 0.00837624148865938 | 0.015902557822831974 | 0.002091755153194338 | 0.025811153836707606 | 0.03347390657216737 | 0.017163556191242078 | 0 | #DIV/0! | 0.045872598958563805
Perte | 0.07491353884815924 | 0.8524331263017079 | 0.0013976787523338004 | 0.0002642516862596791 | 0.021453038716539818 | 0.00946886286094952 | 0.027070406255026068 | 0 | #DIV/0! | 0.029794487639291656
TOTAL | 1.1581583123429453 | 1 | 1 | 1.0000000000000002 | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | #DIV/0! | 0.9999999999999998
Provisions spécifiques | 0.14073360275352909 | 0.8575731651554972 | 0.02617123102466041 | 0.01885554678498098 | 0.06567834686768148 | 0.009435661989449541 | 0.052611789727880616 | 0 | #DIV/0! | 0.055254530996909405
Provisions générales | 0.005517491456768157 | 0.0014466427586487982 | 0.012641171516676078 | 0.011092114513269864 | 0.003978012404176316 | 0.006164056576942013 | 0.00517150487034914 | 0 | #DIV/0! | 0.006524223793491532
TOTAL | 0.14625109421029725 | 0.859019807914146 | 0.038812402541336485 | 0.029947661298250845 | 0.0696563592718578 | 0.015599718566391554 | 0.057783294598229756 | 0 | #DIV/0! | 0.06177875479040094
Portefeuille de Prêts Net | 1.011907218132648 | 0.140980192085854 | 0.9611875974586636 | 0.9700523387017493 | 0.9303436407281422 | 0.9844002814336087 | 0.9422167054017705 | 1 | #DIV/0! | 0.9382212452095988
1 Tel que soumis au formulaire transmis à la BRH, un écart existe par rapport au chiffre définitif soumis dans le Bilan transmis à la BRH à la même date.
REVENUS REPORTÉS | 0
ACCEPTATIONS EN CIRCULATION | 0
CAPITAL | 0
Capital autorisé | 0
Moins actions non émises | 0
Capital versé | 0
Profits non distribués | 0
Profits et pertes | 0
RESERVES | 0
Réserve légale | 0
Autres réserves | 0
TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 | 0
[classifiprêts (2)]
CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS
TYPE DE PRETS
AU 30 SEPTEMBRE 2024
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SYSTÈME
PORTEFEUILLE PRÊTS BRUTS
Type de Prêts accordés
Prêts Commerciaux | 15185852.270879999 | 1095746.03 | 10800708.78564027 | 9847110.687579999 | 27901309.512059506 | 35062039.64828 | 1185330.91 | 13861.11116 | 101091958.95559977
Prêts à la Consommation | 3719112.14465 | 29407.7 | 574569.4658521735 | 669295.44465 | 2284417.248711583 | 1255573.136 | 41256.77 | 0 | 8573631.909863755
Prêts au Logement | 2067660.5203 | 186013.1 | 1268878.1171774454 | 1410037.04249 | 603188.9892700005 | 2389866.2715700003 | 4021743.45 | 0 | 11947387.490807448
TOTAL | 20972624.93583 | 1311166.83 | 12644156.368669888 | 11926443.174719999 | 30788915.75004109 | 38707479.05585 | 5248331.13 | 13861.11116 | 121612978.35627097
(En pourcentage)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | TOTAL
PORTEFEUILLE PRÊTS BRUTS
Type de Prêts accordés
Prêts Commerciaux | 0.7240797142629591 | 0.835702982205552 | 0.854205569017054 | 0.82565359540324 | 0.9062127987414519 | 0.9058208001014458 | 0.22584910910527856 | 1 | 0.8312596264145928
Prêts à la Consommation | 0.1773317434526855 | 0.02242864853437453 | 0.045441502706804617 | 0.056118612636219874 | 0.07419609275161093 | 0.03243748150553454 | 0.007860931213766612 | 0 | 0.07049931697871008
Prêts au Logement | 0.09858854228435528 | 0.14186836926007348 | 0.10035292827614137 | 0.11822779196054015 | 0.019591108506937127 | 0.06174171839301974 | 0.7662899596809548 | 0 | 0.09824105660669712
TOTAL | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1
TRIM 4 2021
(1er juillet au 30 septembre 2021)
REVENUS REPORTÉS | 0
ACCEPTATIONS EN CIRCULATION | 0
CAPITAL | 0
Capital autorisé | 0
Moins actions non émises | 0
Capital versé | 0
Profits non distribués | 0
Profits et pertes | 0
RESERVES | 0
Réserve légale | 0
Autres réserves | 0
TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 | 0
[classifiprêts (5)]
CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS
TYPE DE PRETS
AU 30 SEPTEMBRE 2019
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SYSTÈME
PORTEFEUILLE PRÊTS BRUTS
Type de Prêts accordés
Prêts Commerciaux | 16932730.44452 | 1098033 | 11480175 | 10070095.266819999 | 29845403 | 33993003.65 | 1320535.22162 | 610584 | 105350559.58295998
Prêts à la Consommation | 3272516.66902 | 25896 | 1566199 | 434269.84787 | 3068786 | 2349998.29 | 79259.31258 | 0 | 10796925.11947
Prêts au Logement | 2073695.43736 | 255105 | 2266008 | 1101088.5214 | 457226 | 2908558.09 | 3455769.86766 | 0 | 12517450.916420002
TOTAL | 22278942.5509 | 1379034 | 15312382 | 11605453.63609 | 33371415 | 39251560.03 | 4855564.40186 | 610584 | 128664935.61885
(En pourcentage)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | TOTAL
PORTEFEUILLE PRÊTS BRUTS
Type de Prêts accordés
Prêts Commerciaux | 0.7600329506588709 | 0.796233450371782 | 0.749731491808394 | 0.8677037178025142 | 0.8943403508661529 | 0.8660293660689948 | 0.2719632801315844 | 1 | 0.8187977484016683
Prêts à la Consommation | 0.14688833015944916 | 0.018778362244875762 | 0.10228317188011636 | 0.037419463425327176 | 0.09195852198655646 | 0.05987018829834774 | 0.016323398480645932 | 0 | 0.0839150547702773
Prêts au Logement | 0.09307871918167988 | 0.18498818738334225 | 0.1479853363114896 | 0.0948768187721586 | 0.013701127147290578 | 0.07410044563265732 | 0.7117133213877698 | 0 | 0.09728719682805437
TOTAL | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1
REVENUS REPORTÉS | 0
ACCEPTATIONS EN CIRCULATION | 0
CAPITAL | 0
Capital autorisé | 0
Moins actions non émises | 0
Capital versé | 0
Profits non distribués | 0
Profits et pertes | 0
RESERVES | 0
Réserve légale | 0
Autres réserves | 0
TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 | 0
[classifiprêts ]
CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS
QUALITÉ DU PORTEFEUILLE
AU 30 SEPTEMBRE 2014
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | SYSTÈME
PORTEFEUILLE PRÊTS BRUTS
Classement du Portefeuille
Courant | 8793982.69 | 620397 | 2573916 | 5242601.36 | 12812969.49 | 19612204.26 | 2401486.31 | 1520241 | 1863998 | 55441796.11
A signaler | 781905.91 | 173929 | 97047 | 174026.28 | 4688561.58 | 4122544.28 | 822149.69 | 20000 | 163724 | 11043887.74
Restructurés | 0 | 0 | 0 | 0 | 372881.96 | 0 | 22099.24 | 0 | 0 | 394981.2
Faible | 83919.21 | 33997 | 29155 | 12077.12 | 569900.34 | 230488.44 | 35609.31 | 47179 | 39547 | 1081872.42
Douteux | 377908.78 | 240574 | 16680 | 23506.04 | 523594.56 | 75889.09 | 146694.95 | 504 | 16411 | 1421762.4200000002
Perte | 104950.75 | 325065 | 22153 | 20131.39 | 332287.7 | 70604.76 | 51394.33 | 0 | 86502 | 1013088.93
TOTAL | 10142667.34 | 1393962 | 2738951 | 5472342.19 | 19300195.63 | 24111730.830000006 | 3479433.8300000005 | 1587924 | 2170182 | 70397388.82
Provisions spécifiques | 212137 | 380075 | 26409 | 43482 | 672585.86421 | 194740.18 | 57031.14457 | 9820 | 78189.8 | 1674469.98878
Provisions générales | 109924 | 7755 | 32174 | 68029 | 189072.26386 | 245132.56 | 33648.94897 | 19003 | 23300 | 728038.77283
TOTAL 1 | 322061 | 387830 | 58583 | 111511 | 861658.1280700001 | 439872.74 | 90680.09354 | 28823 | 101489.8 | 2402508.7616099995
Portefeuille de Prêts Net | 9820606.34 | 1006132 | 2680368 | 5360831.19 | 18438537.50193 | 23671858.090000007 | 3388753.7364600007 | 1559101 | 2068692.2 | 67994880.05839
(En pourcentage)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | SCOTIA | TOTAL
PORTEFEUILLE PRÊTS BRUTS
Classement du Portefeuille
Courant | 0.8670286025569286 | 0.4450601953281366 | 0.939745179815192 | 0.9580178245395872 | 0.66387770029044 | 0.8133884870512217 | 0.6901945624871962 | 0.9573764235567949 | 0.8589132155736247 | 0.7875547238230647
A signaler | 0.0770907576665134 | 0.12477312867926098 | 0.03543217823173909 | 0.03180105957518713 | 0.24292818942789132 | 0.17097670462008882 | 0.23628835326924433 | 0.012595061224592613 | 0.07544252048906497 | 0.1568792241462004
Restructurés | 0 | 0 | 0 | 0 | 0.01932011297441963 | 0 | 0.006351389645481488 | 0 | 0 | 0.005610736514814954
Faible | 0.008273879758339783 | 0.024388756651902994 | 0.010644586193765423 | 0.0022069380131362 | 0.02952821571995641 | 0.00955918269099224 | 0.010234225376833791 | 0.029711119675752743 | 0.018222895591245344 | 0.015368075977452142
Douteux | 0.037259309344557484 | 0.17258289680780395 | 0.006089922747796511 | 0.004295425831183265 | 0.027128976826853026 | 0.0031473928825374157 | 0.04216058047581839 | 0.00031739554285973383 | 0.007562038575566473 | 0.020196238011545048
Perte | 0.010347450673660762 | 0.23319502253289545 | 0.00808813301150696 | 0.003678752040906272 | 0.017216804760439623 | 0.0029282327551596998 | 0.014770888745425573 | 0 | 0.03985932977049851 | 0.01439100152692283
TOTAL | 1 | 1 | 1 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1
Provisions spécifiques | 0.02091530688021165 | 0.2726580781972536 | 0.0096420125807289 | 0.007945775042989408 | 0.03484865527293104 | 0.008076574069817615 | 0.016390926615207392 | 0.006184175061274973 | 0.03602914409943498 | 0.023785967304291274
Provisions générales | 0.010837780271713024 | 0.005563279343339345 | 0.011746833002854012 | 0.01243142289681998 | 0.009796391056581224 | 0.010166526896319037 | 0.009670811578560755 | 0.011967197422546672 | 0.010736426714441461 | 0.01034184342677158
TOTAL | 0.031753087151924674 | 0.2782213575405929 | 0.02138884558358291 | 0.02037719793980939 | 0.04464504632951226 | 0.01824310096613665 | 0.02606173819376815 | 0.018151372483821645 | 0.046765570813876445 | 0.03412781073106286
Portefeuille de Prêts Net | 0.9682469128480753 | 0.721778642459407 | 0.9786111544164171 | 0.9796228020601906 | 0.9553549536704877 | 0.9817568990338632 | 0.9739382618062318 | 0.9818486275161784 | 0.9532344291861236 | 0.9658721892689371
1 Tel que soumis au formulaire transmis à la BRH, un écart existe par rapport au chiffre définitif soumis dans le Bilan transmis à la BRH à la même date.
REVENUS REPORTÉS | 0
ACCEPTATIONS EN CIRCULATION | 0
CAPITAL | 0
Capital autorisé | 0
Moins actions non émises | 0
Capital versé | 0
Profits non distribués | 0
Profits et pertes | 0
RESERVES | 0
Réserve légale | 0
Autres réserves | 0
TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 | 0
[classifiprêts (4)]
CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS
TYPE DE PRETS
AU 30 Septembre 2017
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | SYSTÈME
PORTEFEUILLE PRÊTS BRUTS
Type de Prêts accordés
Prêts Commerciaux | 9790933.92852 | 979685 | 5498981 | 5893131.915440001 | 20529064.645 | 25084793.99 | 1076516.94092 | 587416.08 | 0 | 69440523.49987999
Prêts à la Consommation | 2889189.07423 | 49690 | 1366380 | 1049226.73957 | 2641336.893 | 1726360.7 | 116907.90899 | 2079.31 | 0 | 9841170.62579
Prêts au Logement | 1708159.42971 | 292818 | 1709311 | 791483.50751 | 245336.479 | 2571857.71 | 2935827.81986 | 0 | 0 | 10254793.94608
TOTAL | 14388282.43246 | 1322193 | 8574672 | 7733842.162520001 | 23415738.016999997 | 29383012.4 | 4129252.66977 | 589495.39 | 0 | 89536488.07175
(En pourcentage)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | SCOTIA | TOTAL
PORTEFEUILLE PRÊTS BRUTS
Type de Prêts accordés
Prêts Commerciaux | 0.6804796871676377 | 0.740954611013672 | 0.6413051134783931 | 0.7619927833541121 | 0.8767208033373003 | 0.8537175715176161 | 0.2607050299443076 | 0.9964727289894497 | #DIV/0! | 0.7755555862793487
Prêts à la Consommation | 0.20080152636648155 | 0.03758150285170168 | 0.15935070169447882 | 0.13566694503474572 | 0.11280177849113149 | 0.05875370014818494 | 0.02831212288021885 | 0.0035272710105502267 | #DIV/0! | 0.1099124037331438
Prêts au Logement | 0.1187187864658806 | 0.22146388613462634 | 0.19934418482712807 | 0.10234027161114218 | 0.010477418171568366 | 0.08752872833419899 | 0.7109828471754736 | 0 | #DIV/0! | 0.1145320099875073
TOTAL | 0.9999999999999999 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 1 | #DIV/0! | 0.9999999999999999
REVENUS REPORTÉS | 0
ACCEPTATIONS EN CIRCULATION | 0
CAPITAL | 0
Capital autorisé | 0
Moins actions non émises | 0
Capital versé | 0
Profits non distribués | 0
Profits et pertes | 0
RESERVES | 0
Réserve légale | 0
Autres réserves | 0
TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 | 0
[suffondspropres]
CIRCULAIRE 88 - SUFFISANCE DES FONDS PROPRES
AU 30 SEPTEMBRE 2024
BNC | BPH** | BUH | CAPITALBK | SOGEBK | UNIBK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA*** | SCOTIA | SOUS-TOTAL | SYSTÈME
Actif bilan et hors bilan net des déductions | 125150211.70129 | 5783476.709995 | 48359325.68752574 | 53515310.5 | 193259541 | 240370209.2170041 | 666438074.8158149 | 12152625.318579998 | 12152625.318579998 | 0 | 678590700.1343949
Actif pondéré en fonction des risques | 26850341.478965238 | 1603513.1635556929 | 23086061.8035416 | 28859128.8541 | 68506181.72760001 | 77136364.23215444 | 226041591.25991696 | 8306286.066198866 | 8306286.066198866 | 0 | 234347877.32611582
Fonds propres réglementaires | 7513149.140104249 | -384475.21338 | 3372015.222159816 | 7922492 | 10779947.6 | 21117767.212671302 | 50320895.96155537 | 1120494.8040271874 | 1120494.8040271874 | 0 | 51441390.765582554
Ratio actif / fonds propres | 16.657490669691867 | -15.042521620968168 | 14.341372295630094 | 6.754858256720234 | 17.92768834980237 | 11.382368542862555 | 13.24376408808314 | 10.845766776340295 | 10.845766776340295 | #DIV/0! | #DIV/0! | 13.191530983808736
Ratio fonds propres sur actif à risques | 0.2798157761230004 | -0.23977053766583967 | 0.14606281707356947 | 0.2745229088533092 | 0.15735729722704625 | 0.2737718768947152 | 0.22261786285026286 | 0.1348972085836131 | 0.1348972085836131 | #DIV/0! | #DIV/0! | 0.21950866955793802
** | Données au 30 septembre 2023 (BPH)
0 | 0 | 0
[pageint.annexe]
ANNEXE 1
INFORMATION SUR LE CALCUL DES RATIOS FINANCIERS CLÉS
[explication1]
RATIOS FINANCIERS
STRUCTURE FINANCIÈRE
Avoir des actionnaires | Avoir des actionnaires x 100%
en % de l'actif | Actif total
Dépôts en % de l'actif | Dépôts totaux x 100%
Actif total
QUALITÉ DE L'ACTIF
Prêts improductifs bruts | Prêts improductifs x 100%
en % des prêts bruts | Prêts bruts
Provision pour créances douteuses | Provision pour créances douteuses x 100%
en % des prêts improductifs bruts | Prêts improductifs bruts
Prêts improductifs nets | Prêts improductifs nets x 100%
en % de l'avoir des actionnaires | Avoir des actionnaires
[explication2]
RENTABILITÉ
ROA (rendement de l'actif) | Bénéfice net de la période 1 x 100% 2
(Actif de la fin de la période +
actif total du début de la période)/2
ROE ( rendement de l'avoir | Bénéfice net de la période x 100% 2
des actionnaires) | (Avoir des actionnaires de la fin de la période +
avoir des actionnaires du début de la période)/2
(Revenus d'intérêt totaux de la période -
Revenus nets d'intérêt | dépenses d'intérêt totales de la période) x 100%
en % des revenus d'intérêt | Revenus d'intérêts totaux de la période
Rendement moyen des prêts | Revenus d'intérêt sur les prêts de la période x 100% 2
((Prêts bruts du début de la période + prêts bruts
de la fin de la période))/2
Rémunération moyenne des dépôts | Dépenses d'intérêts de la période x 100% 2
(Dépôts totaux du début de la période +
dépôts totaux de la fin de la période)/2
Dépenses d'exploitation
en % du produit net bancaire | Dépenses d'exploitation de la période x 100%
(revenus nets d'intérêts + autres revenus) | Produit net bancaire de la période
Rentabilité par employé | Produit net bancaire de la période x 100% 2
(Produit net bancaire par employé) | (Nombre d'employés du début de la période +
nombre d'employés de la fin de la période)/2
1 Période signifie : trimestre, cumul ou année selon qu'il s'agisse du calcul d'un ratio trimestriel, cumulatif ou annuel.
[CHECK]
Sofiinfisys | Sysratfincle | RESULTsyst | somfinresult
Structure financière | 1970296.9205225818 | 1970296.9205225818 | OK
resultsyscumul | somfinresult
Avoir des actionnaires
en % de l'actif | 0.0854634413135844 | 0.0854634413135844 | OK
Dépôts en % de l'actif | 0.8181144549894931 | 0.8181144549894931 | OK
Qualité de l'actif
Prêts improductifs bruts
en % des prêts bruts | 0.13676832799521493 | 0.1367683279952149 | OK
Provisions pour créances douteuses
en % des prêts improductifs bruts | 0.6515708499211342 | 0.6515708499211341 | OK
Prêts improductifs nets
en % de l'avoir des actionnaires (tx. d'exposition) | 0.10266823065442177 | 0.1026682306544218 | OK
Rentabilité
ROA (rendement de l'actif) | 0.011720251427068604 | 0.011720251427068604 | OK
ROE ( rendement avoir des action.) | 0.13651562771890222 | 0.13651562771890222 | OK
Revenus nets d'intérêts
en % des revenus d'intérêt | 0.8361805645943434 | 0.8361805645943435 | OK
Rendement moyen des prêts | 0.10045385552220734 | 0.10045385552220733 | OK
Rendement moyen des prêts productifs | 0.11414976138783292 | 0.11414976138783291 | OK
Rémunération moyenne des dépôts | 0.007545135098730542 | 0.007545135098730542 | OK
Dépenses d'exploitation
en % du produit net bancaire | 0.7029684873209024 | 0.7029684873209024 | OK
(marge nette d'int.+autres revenus)
Productivité par employé ('000 gdes)
Productivité par Employé ('000 gdes) | 7554.655414942249 | 7554.655414942249 | OK
[Sheet1]
Indicateurs financiers clés
(au 30 septembre ou pour l’exercice terminé le 30 septembre)
(en millions de gourdes) | 2008 | 2009 | 2010 | Var 09-08 | Var 10-09
BILAN
Actif…………………………………………………………………………………………………. | 635595.1560582457 | 647019.9238365159 | 0 | 0.017974913227978062 | -1
Bons BRH …………………………………………………………..……………………….. | 2550 | 22050 | 0 | 7.647058823529411 | -1
Prêts nets…………………………………………………………………………………….. | 135169.2979284033 | 114560.79510082863 | 0 | -0.1524643772174552 | -1
Dépôts……………………………………………………………………………………………………………. | 518509.10245981003 | 529395.8134583669 | 0 | 0.02099618106395873 | -1
Avoir des actionnaires……………………………………………………………………………….. | 51004.77118639 | 53407.99184212357 | 0 | 0.047117565667559536 | -1
RÉSULTATS
Revenus nets d’intérêt………………………………………………………………………………… | 23124.85442381504 | 22251.44863461882 | 10642.942998604638 | -0.03776913675602411 | -0.5216966241898364
Autres revenus ……………………………………………………………………………………………. | 16533.585366275754 | 14954.229709915813 | 7420.2884326109315 | -0.09552408756913788 | -0.5038000233679234
Dotation à la Provision pour Créances douteuses …………………………….. | 2684.8216542076243 | 3401.25077095801 | 797.9622492257231 | 0.2668442112821927 | -0.7653915271290138
Frais d’exploitation …………………………………………………………………………………….. | 24885.3690903683 | 25764.37250967276 | 12976.768926396273 | 0.035322096936254654 | -0.49632893556695845
Bénéfice net (perte nette) ………………………………………………………………………….. | 9960.411650776854 | 6514.616889606573 | 3581.2076002754984 | -0.34594903122317533 | -0.4502811660361853
(en pourcentage)
STRUCTURE FINANCIÈRE
Avoir des actionnaires en % de l’actif…………………………………………………………. | #REF! | #REF! | 0.08499088137634617
Dépôts en % de l’actif…………………………………………………………………………………….. | #REF! | #REF! | 0.8092478228074719
QUALITÉ DE L’ACTIF
Prêts improductifs bruts en % des prêts bruts …………………………………………… | #REF! | #REF! | 0.08773775090068439
Provisions pour créances douteuses en % des
prêts improductifs bruts ………………………………………………………………………………………………………………………. | #REF! | #REF! | 0.8470827182282726
Prêts improductifs nets en % de l’avoir des actionnaires ……………………… | #REF! | #REF! | 0.03415173528722914
RENTABILITÉ
Rendement de l’actif (ROA)…………………………………………………………………………….. | #REF! | #REF! | 0.011901568917852342
Rendement de l’avoir des actionnaires (ROE) ……………………………………………. | #REF! | #REF! | 0.14406869769835712
Revenus nets d’intérêts en % des revenus d’intérêt………………………………….. | #REF! | #REF! | 0.8459431221062926
Rendement moyen des prêts………………………………………………………………………….. | #REF! | #REF! | 0.12178027234709556
Rémunération moyenne des dépôts a………………………………………………………………………………………. | #REF! | #REF! | 0.008130967223841521
Dépenses d’exploitation en % du produit net bancaire …………………………….. | #REF! | #REF! | 0.6517450692029306
Produit net bancaire par employé (en milliers de gourdes)………………………….. | #REF! | #REF! | 7823.642983708192
Nombre d’employés……………………………………………………………………………………………… | #REF! | #REF! | #REF!
Indicateurs financiers clés pour les trois plus grandes banques du système
(au 30 septembre ou pour l’exercice terminé le 30 septembre)
(en millions de gourdes) | 2008 | 2009 | 2010 | Var 09-08 | Var 10-09
Sogebank | Unibank | BNC | Sogebank | Unibank | BNC | Sogebank | Unibank | BNC | Sogebank | Unibank | BNC | Sogebank | Unibank | BNC
BILAN
Actif………………………………………………………… | 166710.26234178702 | 232383.40753702095 | 118159.28699713001 | 168891.23955850003 | 240540.98214141736 | 118380.00699841 | 0 | 0 | 0 | 0.01308244127312097 | 0.03510394606420797 | 0.0018679869089370804 | -1 | -1 | -1
Bons BRH ………………………………………………. | 2000 | 0 | 0 | 2500 | 3150 | 14900 | 0 | 0 | 0 | 0.25 | #DIV/0! | #DIV/0! | -1 | -1 | -1
Prêts nets………………………………………………… | 35159.796225317004 | 49966.146876399995 | 19908.57 | 28451.664776420002 | 41228.653556239995 | 15801.864 | 0 | 0 | 0 | -0.1907898272762677 | -0.1748682631417171 | -0.20627830125418356 | -1 | -1 | -1
Dépôts………………………………………………………… | 139060.4658677532 | 193362.64802974672 | 92208.311 | 140784.54451718094 | 202184.00908663866 | 93143.324 | 0 | 0 | 0 | 0.012398050291787088 | 0.045620812223955864 | 0.010140224778653506 | -1 | -1 | -1
Avoir des actionnaires…………………………… | 11096.548763020004 | 19405.385009920003 | 11461.524 | 11898.038289220005 | 20256.104800099998 | 11370.621 | 0 | 0 | 0 | 0.07222872113814516 | 0.04383936673995947 | -0.007931144235269305 | -1 | -1 | -1
RÉSULTATS
Revenus nets d’intérêt………………………………………………… | 5408.35053853 | 7230.70382645 | 5543.912 | 4436.446069990001 | 8163.338852434 | 5791.856 | 2205.8002748500003 | 4066.188385110001 | 2549.427 | -0.17970441479633914 | 0.12898260644730186 | 0.04472365362220754 | -0.5028001602970074 | -0.5018964104500432 | -0.5598255550552361
Autres revenus …………………………………………………………… | 3903.8771730500002 | 8152.50087599 | 989.751 | 3727.9437359099998 | 5913.7206104 | 1190.706 | 1909.4952381199998 | 3159.4452905000003 | 469.068 | -0.04506633516918468 | -0.27461269856265225 | 0.20303591509379615 | -0.4877886112586708 | -0.46574322687079095 | -0.6060589263848506
Dotation à la Provision pour Créances douteuses ………… | 1831.5841670700001 | 521.40126045 | 640 | 1061.0890807299998 | 1062.1532719200002 | 1010 | 332.53234173 | 245.44292985999996 | 170 | -0.42067140576595374 | 1.037112973227758 | 0.578125 | -0.6866122291059418 | -0.8316831683168316
Frais d’exploitation ………………………………………………… | 5648.501279810001 | 8496.644744 | 4323.794 | 5827.849190309999 | 9094.2696875 | 4557.496 | 2788.3395523699996 | 4829.187024780001 | 2229.218 | 0.031751415395984806 | 0.0703365812630945 | 0.0540502160833749 | -0.5215491236447591 | -0.46898572499805247 | -0.5108678098675238
Bénéfice net (perte nette) …………………………………….. | 1304.36991861 | 5314.029670250003 | 1569.869 | 924.0115348600009 | 3050.528591554001 | 1415.066 | 794.5918188700003 | 1732.043742850001 | 619.277 | -0.29160315515044033 | -0.4259481446571437 | -0.09860886481610875 | -0.14006287920378535 | -0.4322152076707261 | -0.5623688223729494
How to cite
Banque de la République d'Haïti (BRH), Banking System Statistical Report, March 2025, https://www.brh.ht/wp-content/uploads/rap-stats-trim-2-25-provisoire.xlsx