Rapò estatistik sistèm bankè a, septanm 2025

[XXXX] [pagecouvert.] Banque de la République d’Haïti RAPPORT "STATISTIQUES" ET INDICATEURS FINANCIERS VERSION PROVISOIRE DONNÉES FINANCIÈRES TRIMESTRIELLES DES ÉTABLISSEMENTS BANCAIRES TRIM 4 2025 (1er juillet au 30 septembre 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 septembre 2025 | 39 Ratios financiers clés juin 2025 | 40 Ratios financiers clés mars 2025 | 41 Ratios financiers clés décembre 2024 | 42 Ratios financiers clés septembre 2024 | 43 Ratios financiers clés juin 2024 | 44 Ratios financiers clés mars 2024 | 45 Ratios financiers clés décembre 2023 | 46 Ratios financiers clés septembre 2023 | 47 Ratios financiers clés juin 2023 | 48 Ratios financiers clés mars 2023 | 49 Ratios financiers clés décembre 2022 | 50 Ratios financiers clés septembre 2022 | 51 Ratios financiers clés juin 2022 | 52 Ratios financiers clés mars 2022 | 53 Ratios financiers clés décembre 2021 | 54 Ratios financiers clés septembre 2021 | 55 Ratios financiers clés juin 2021 | 56 Ratios financiers clés mars 2021 | 57 Ratios financiers clés décembre 2020 | 58 Ratios financiers clés septembre 2020 | 59 Ratios financiers clés juin 2020 | 60 Bilan au 30 septembre 2025 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | 61 Gourdes et devises | 62 Devises seulement | 63 Gourdes seulement | 64 Bilan au 30 juin 2025 ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | 65 Bilan au 31 mars 2025 ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | 66 Bilan au 31 décembre 2024 ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | 67 Bilan au 30 septembre 2024 | 68 Bilan au 30 juin 2024 | 69 Bilan au 31 mars 2024 | 70 Bilan au 31 décembre 2023 | 71 Bilan au 30 septembre 2023 | 72 Bilan au 30 juin 2023 | 73 Bilan au 31 mars 2023 | 74 Bilan au 31 décembre 2022 | 75 Bilan au 30 septembre 2022 | 76 Bilan au 30 juin 2022 | 77 Bilan au 31 mars 2022 | 78 Bilan au 31 décembre 2021 | 79 Bilan au 30 septembre 2021 | 80 Bilan au 30 juin 2021 | 81 Bilan au 31 mars 2021 | 82 Bilan au 31 décembre 2020 | 83 Bilan au 30 septembre 2020 | 84 Résultats (Trim. 2 2024/ Trim. 2 2023) | 85 Résultats (Cumul oct.-mars. 24 / Cumul oct. -mars. 23) | 86 SECTION 4 | STATISTIQUES PAR BANQUE BNC (Banque Nationale de Crédit) | 87 BPH (Banque Populaire Haïtienne) | 93 BUH (Banque de l'Union Haïtienne) | 99 CAPITALBK (Capital Bank) | 105 CBNA (Citibank N.A.) | 111 SOGEBK (Société Générale Haïtienne de Banque) | 117 SOGEBL (Société Générale Haïtienne de Banque d'Epargne et de Logement) | 123 UNIBK (Unibank) | 129 SECTION 5 | RESPECT DES NORMES PRUDENTIELLES Limite relative à la position nette de change des banques | 134 Limites relatives à la concentration des risques de crédit | 135 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 4 2025 et TRIM 4 2024 doivent être lues comme étant le quatrième trimestre de l'exercice fiscal 2024-2025 (1er juillet au 30 septembre 2025) et le quatrième trimestre de l'exercice fiscal 2023-2024 (1er juillet au 30 septembre 2024). Les périodes CUMUL 2025 et CUMUL 2024 doivent être lues respectivement comme période cumulative allant du 1er octobre 2024 au 30 septembre 2025 et période cumulative allant du 1er octobre 2023 au 30 septembre 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 Juin 2025 | 819 | 147 | 470 | 1057 | 1529 | 782 | 75 | 0 | 0 | 4879 Sept. 2025 | 904 | 147 | 465 | 1036 | 1529 | 772 | 76 | 0 | 0 | 4929 [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. 2023 | 32199 | 189 | 518 | 21469 | 10355 | 3949 | 418 | 1 | ** | 69098 Déc. 2023 | 32088 | 183 | 522 | 19189 | 10826 | 3400 | 403 | 1 | ** | 66612 Mars 2024 | 30940 | 182 | 494 | 18828 | 9931 | 2824 | 396 | 1 | ** | 63596 Juin 2024 | 28301 | 180 | 470 | 17275 | 9014 | 2264 | 397 | 1 | ** | 57902 Sept. 2024 | 27237 | 178 | 444 | 15977 | 8424 | 2028 | 400 | 1 | ** | 54689 Déc. 2024 | 25924 | 176 | 442 | 14433 | 8013 | 0 | 400 | 0 | ** | 49388 Mars 2025 | 22137 | 239 | 440 | 13637 | 7980 | 1939 | 383 | ** | ** | 46755 Juin 2025 | 20164 | 261 | 446 | 13263 | 7682 | 1957 | 375 | ** | ** | 44148 Sept. 2025 | 20057 | 286 | 431 | 13354 | 8079 | 2043 | 371 | ** | ** | 44621 Mars98 | Juin 98 1327 | 1348 1050 | 1028 875 | 869 862 | 954 664 624 | 645 496 | 518 278 | 1539 171 | 186 103 12 | 22 0 | 636 0 0 | 2545 [nbre de cptes de dépôts ] NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 30 Septembre 2025 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 38904 | 2758 | 10583 | 24845 | 57018 | 11811 | 3060 | 0 | 148979 Épargne | 496549 | 9111 | 97034 | 748278 | 1283690 | 157507 | 3716 | 0 | 2795885 À Terme | 3016 | 119 | 815 | 10712 | 4203 | 595 | 746 | 0 | 20206 TOTAL | 538469 | 11988 | 108432 | 783835 | 1344911 | 169913 | 7522 | 0 | 2965070 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 30 Juin 2025 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 38904 | 2758 | 10858 | 24597 | 56587 | 11929 | 3151 | 0 | 148784 Épargne | 496549 | 9111 | 96380 | 737837 | 1275686 | 153386 | 3748 | 0 | 2772697 À Terme | 3016 | 119 | 808 | 10727 | 4182 | 609 | 750 | 0 | 20211 TOTAL | 538469 | 11988 | 108046 | 773161 | 1336455 | 165924 | 7649 | 0 | 2941692 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 [dépôts P-AU-P et Prov.] RÉPARTITION DES DÉPÔTS DANS LA REGION METROPOLITAINE En Milliers de Gourdes Au 30 septembre 2025 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 36893620.50752927 | 1640910.8405900002 | 16779128.13879376 | 17799317 | 61953737.30899999 | 91625506.83135562 | 3575049.68897 | 0 | 0 | 230267270.3162386 Épargne | 22874167.077914506 | 658125.60963 | 6714707.037772552 | 9785655 | 33769475.51466999 | 55218302.00607 | 1302431.1986800001 | 0 | 0 | 130322863.44473705 À terme | 11110433.254834125 | 2159560.3516300004 | 12312037.151565086 | 9358115 | 22321870.623619996 | 31156191.391700003 | 3290904.3689200003 | 0 | 0 | 91709112.14226921 TOTAL | 70878220.84027791 | 4458596.80185 | 35805872.32813139 | 36943087 | 118045083.44728997 | 178000000.22912562 | 8168385.25657 | 0 | 0 | 452299245.90324485 RÉPARTITION DES DÉPÔTS DANS LES VILLES DE PROVINCE En Milliers de Gourdes Au 30 septembre 2025 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 9671516.369552674 | N/A | 2713058.764477916 | 2066264 | 12984935.699540002 | 15936327.27039 | N/A | N/A | N/A | 43372102.10396059 Épargne | 20372908.793062676 | N/A | 2904139.617471021 | 3091241 | 19580257.11187 | 26896602.988319997 | N/A | N/A | N/A | 72845149.5107237 À terme | 2739809.9584004413 | N/A | 1849507.357039877 | 177085 | 4640195.821759999 | 2234444.8154999996 | N/A | N/A | N/A | 11641042.952700317 | 0 TOTAL | 32784235.121015795 | N/A | 7466705.738988814 | 5334590 | 37205388.63317 | 45067375.074209996 | N/A | N/A | N/A | 127858294.5673846 | 0 SCOTIA | 1327 PROMOBK | 1050 SOGEBK | 875 UNIBK | 862 CAPITALBK | 664 SOCABK | 624 SOGEBL | 496 BPH | 278 CBNA | 171 BICH | 103 BMH | 12 BIDC | 0 BNC | 0 BUH | 0 TABLEAU RÉCAPITULATIF DES DIFFERENTS TYPES DE DÉPOTS PAR BANQUE En Milliers de Gourdes Au 30 septembre 2025 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 46565136.877081946 | 1640910.8405900002 | 19492186.903271675 | 19865581 | 74938673.00853999 | 107561834.10174562 | 3575049.68897 | 0 | 0 | 273639372.4201993 Épargne | 43247075.87097718 | 658125.60963 | 9618846.655243574 | 12876896 | 53349732.62653999 | 82114904.99439 | 1302431.1986800001 | 0 | 0 | 203168012.95546076 À terme | 13850243.213234566 | 2159560.3516300004 | 14161544.508604962 | 9535200 | 26962066.445379995 | 33390636.207200002 | 3290904.3689200003 | 0 | 0 | 103350155.09496953 TOTAL | 103662455.9612937 | 4458596.80185 | 43272578.06712021 | 42277677 | 155250472.08045998 | 223067375.3033356 | 8168385.25657 | 0 | 0 | 580157540.4706296 [ dépôts à vue] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À VUE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) Au 30 septembre 2025 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 16364468.260522261 | 297761.87267 | 680786.93350109 | 11378096.98467 | 4131881.53445567 | 1634451 | 1072282.08202 | 35559728.66783902 Place Geffrard | 0 | 0 | 0 | 4278431.5675 | 0 | 0 | 0 | 0 | 4278431.5675 Place Geffrard 2 | 0 | 0 | 0 | 165366.55854000003 | 0 | 0 | 0 | 0 | 165366.55854000003 Rue Pavée | 922484.028372858 | 0 | 0 | 2388791.20004 | 0 | 0 | 0 | 0 | 3311275.228412858 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 922484.028372858 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 922484.028372858 Delmas | 3385647.013929949 | 31255.3714 | 1948788.400168012 | 7314391.4801 | 14358030.76963 | 1868424 | 1370514.2820000004 | 0 | 30277051.317227963 Delmas 52 | 2168838.461597307 | 0 | 0 | 0 | 0 | 0 | 0 | 2168838.461597307 Delmas 2 | 460990.659514312 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 460990.659514312 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 1538978 | 0 | 0 | 1538978 Delmas 32 | 755817.8928183301 | 0 | 0 | 0 | 2425472.2395699997 | 0 | 0 | 0 | 3181290.13238833 0 | 0 | 0 | 6033212.4763 | 0 | 0 | 0 | 0 | 6033212.4763 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 329446 | 1370514.2820000004 | 0 | 1699960.2820000004 Delmas 48 | 0 | 0 | 0 | 1281179.0038 | 0 | 0 | 0 | 0 | 1281179.0038 Delmas-Aéroport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 16 | 0 | 0 | 0 | 0 | 3596414.56723 | 0 | 0 | 0 | 3596414.56723 Delmas 18 | 2953525.42163 | 2953525.42163 Delmas 71 | 0 | 0 | 28406.313248877002 | 0 | 5106537.24498 | 0 | 0 | 0 | 5134943.558228877 Kiosque Mégamart | 0 | 0 | 0 | 0 | 20084.44482 | 0 | 0 | 0 | 20084.44482 Delmas 35 | 1086101.011971123 Delmas 64 | 834281.074948012 Delmas 75 | 255996.8514 Pétion-Ville | 9288489.935484618 | 733516.45274 | 6586475.480175549 | 12670655.208619999 | 27288042.381029997 | 7297825 | 417979.09527 | 0 | 64282983.55332016 P-V 1 | 2715175.362895298 | 733516.45274 | 2592880.3748132903 | 2592493.23188 | 11899568.69011 | 2927469 | 417979.09527 | 0 | 23879082.20770859 Place Boyer | 2105013.1742806993 | 0 | 172713.20433198803 | 0 | 0 | 2460097 | 0 | 0 | 4737823.378612688 Choucoune Plaza | 1673780.017067235 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1673780.017067235 P-V 2 | 0 | 0 | 2038910.6294250912 | 2786618.83034 | 6388103.16076 | 1910259 | 0 | 0 | 13123891.620525092 P-V 3 | 2794521.3812413868 | 0 | 0 | 7253327.262019999 | 4613831.87795 | 0 | 0 | 0 | 14661680.521211386 P-V 4 | 0 | 0 | 0 | 38215.884379999996 | 2227170.14706 | 0 | 0 | 0 | 2265386.03144 Juvénat | 1781971.2716051792 | 2159368.50515 Lalue | 545297.672104457 | 0 | 370282.736507318 | 1797607.8044099999 | 2875520.6040999996 | 0 | 0 | 0 | 5588708.817121774 Champs de Mars | 0 | 0 | 0 | 1771926.88062 | 0 | 0 | 0 | 0 | 1771926.88062 Laboule | 0 | 0 | 0 | 0 | 957663.25062 | 285077 | 0 | 0 | 1242740.25062 Aéroport | 0 | 162890.70726 | 629195.8908426671 | 6845140.72484 | 2602188.5346000004 | 2068962 | 0 | 0 | 12308377.857542668 Aéroport 2 | 0 | 0 | 0 | 1842028.61303 | 0 | 460037 | 0 | 0 | 2302065.6130299997 Carrefour | 698087.486911666 | 0 | 212737.17233206402 | 1899668.0582199998 | 0 | 68195 | 0 | 0 | 2878687.71746373 Arcachon | 248934.561773709 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 248934.561773709 Carrefour | 449152.92513795703 | 0 | 0 | 1636129.5146799998 | 0 | 0 | 0 | 0 | 2085282.4398179569 Truitiers | 0 | 0 | 0 | 263538.54354000004 | 0 | 0 | 0 | 0 | 263538.54354000004 Thor | 0 | 0 | 0 | 0 | 1540116.84308 | 0 | 0 | 0 | 1540116.84308 Diquini | 0 | 0 | 0 | 461043.88601 | 0 | 33409 | 0 | 0 | 494452.88601 Rue du Quai | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 671081.7562800001 | 0 | 0 | 0 | 671081.7562800001 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 595799 | 0 | 0 | 595799 Parc Industriel | 1915633.2195956057 | 403963.63662999996 | 4761924.3890520455 | 0 | 0 | 0 | 0 | 0 | 7081521.245277651 Varreux | 0 | 0 | 0 | 0 | 8881667.01259 | 170015 | 0 | 0 | 9051682.01259 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 1015350.10785 | 0 | 0 | 0 | 1015350.10785 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 132.47398 | 0 | 0 | 0 | 132.47398 Canapé-Vert | 0 | 0 | 0 | 0 | 1463149.20298 | 0 | 0 | 0 | 1463149.20298 Rue Capois | 0 | 0 | 0 | 0 | 1194682.4270799998 | 0 | 0 | 0 | 1194682.4270799998 Damien | 249190.906826967 | 0 | 107783.171563083 | 1653016.66919 | 4603135.25004 | 0 | 0 | 0 | 6613125.99762005 Frères | 370506.34865196206 | 0 | 614577.071978576 | 1645032.71036 | 2319331.8769400003 | 19476 | 0 | 0 | 4968924.007930538 Portail Léogane | 0 | 0 | 0 | 118140.07461 | 584681.60438 | 0 | 0 | 0 | 702821.67899 Croix des Bossales | 0 | 0 | 0 | 0 | 95709.88824000001 | 0 | 0 | 0 | 95709.88824000001 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 1458523.4621199998 | 0 | 0 | 0 | 1458523.4621199998 Martissant | 0 | 0 | 0 | 0 | 1312195.44238 | 0 | 0 | 0 | 1312195.44238 Nazon | 0 | 0 | 0 | 0 | 584006.30825 | 0 | 0 | 0 | 584006.30825 Croix des Bouquets | 528232.635758823 | 0 | 0 | 185690.45162 | 1157981.4259600001 | 0 | 0 | 0 | 1871904.513338823 Lathan | 0 | 0 | 0 | 543395.93236 | 624135.5470899999 | 0 | 0 | 0 | 1167531.47945 Turgeau | 725244.563534742 | 0 | 0 | 4076691.8327599997 | 5640462.93707 | 0 | 714274.2296800001 | 0 | 11156673.563044742 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 457947.56078536704 | 11522.79989 | 748094.504941102 | 918620.6715 | 2600023.2320499998 | 1457050 | 0 | 0 | 6193258.76916647 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 1430338.5544299998 | . | 0 | 0 | 1430338.5544299998 Avenue Christophe | 0 | 0 | 0 | 0 | 1914230.08272 | 0 | 0 | 0 | 1914230.08272 Autres succursales non précisées | 1442390.87505 | 0 | 118482.387732253 | 0 | 321244.32141 | 1840597 | 0 | 0 | 3722714.5841922527 TOTAL | 36893620.50752927 | 1640910.8405900002 | 16779128.13879376 | 61953737.30899999 | 91625506.83135562 | 17799317 | 3575049.68897 | 0 | 230267270.31623864 0 VILLES DE PROVINCES Aquin | 153400.815518861 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 153400.815518861 Jacmel | 552735.346246187 | 0 | 0 | 1006443.80564 | 1096990.37665 | 195272 | 0 | 0 | 2851441.528536187 Hinche | 935085.5621148209 | 0 | 0 | 388000.1296299999 | 1513705.7828799998 | 239712 | 0 | 0 | 3076503.474624821 Cap-Haïtien | 1170241.8232081642 | 0 | 1437976.2597902552 | 2768074.25689 | 4415889.31305 | 790523 | 0 | 0 | 10582704.652938418 Cap-Haïtien 1 | 1170241.8232081642 | 0 | 1093881.5121756583 | 1309260.82251 | 3092574.7302599996 | 660072 | 0 | 0 | 7326030.888153822 Cap-Haïtien 2 | 0 | 0 | 344094.747614597 | 1458813.43438 | 1323314.5827900001 | 130451 | 0 | 0 | 3256673.764784597 Cayes | 1356991.196155481 | 0 | 173384.002002531 | 1543052.75196 | 2117914.02789 | 396413 | 0 | 0 | 5587754.978008011 Cayes 1 | 1027590.775516068 | 0 | 173384.002002531 | 0 | 1703931.1236400001 | 0 | 0 | 0 | 2904905.901158599 Cayes 2 | 329400.420639413 | 0 | 0 | 0 | 413982.90425 | 0 | 0 | 0 | 743383.3248894131 Cabaret | 293463.34388817404 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 293463.34388817404 Cap Saint-Michel | 0 | 0 | 0 | 385647.25390999997 | 0 | 0 | 0 | 0 | 385647.25390999997 Ouanaminthe | 158331.33963020198 | 0 | 104061.990045952 | 289741.48355 | 714368.3317900001 | 0 | 0 | 0 | 1266503.145016154 Fort-Liberté | 542104.184068317 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 542104.184068317 Gonaïves | 624768.855357429 | 0 | 371649.29083836 | 1337638.53765 | 1101121.28669 | 228737 | 0 | 0 | 3663914.970535789 Port-de-Paix | 815249.534212394 | 0 | 220236.203399288 | 376555.75859999994 | 461463.28635 | 0 | 0 | 0 | 1873504.782561682 Petit-Goave | 217609.84973372298 | 0 | 0 | 278011.48608 | 343819.53709000006 | 0 | 0 | 0 | 839440.872903723 Miragoane | 458227.796568204 | 0 | 0 | 422782.84335000004 | 456806.06284 | 0 | 0 | 0 | 1337816.7027582042 Mirebalais | 0 | 0 | 0 | 1068454.22889 | 892504.6864 | 0 | 0 | 0 | 1960958.91529 Jérémie | 353286.17230335396 | 0 | 0 | 406693.37481000007 | 475765.81415000005 | 0 | 0 | 0 | 1235745.361263354 La Gonave | 0 | 0 | 0 | 0 | 157387.59103 | 0 | 0 | 0 | 157387.59103 Léogane | 564769.264491658 | 0 | 0 | 991380.9096 | 576747.0528099999 | 0 | 0 | 0 | 2132897.226901658 Fonds-des-Nègres | 178800.29569872 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 178800.29569872 Limbé | 0 | 0 | 0 | 0 | 133399.43487 | 0 | 0 | 0 | 133399.43487 Vertières | 280100.641237709 | 0 | 0 | 520973.35806999996 | 365093.83536 | 71865 | 0 | 0 | 1238032.834667709 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 5800.480389098 St-Marc | 573997.365591864 | 0 | 405751.01840153 | 1201485.5209100002 | 1113350.85054 | 143742 | 0 | 0 | 3438326.755443394 Belladerre | 436552.50313831505 TOTAL | 9671516.369552674 | 0 | 2713058.764477916 | 12984935.699540002 | 15936327.27039 | 2066264 | 0 | 0 | 43372102.10396059 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 | 46565136.877081946 | 1640910.8405900002 | 19492186.903271675 | 74938673.00853999 | 107561834.10174562 | 19865581 | 3575049.68897 | 0 | 273639372.4201992 [ dépôts d'épargne] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS D'ÉPARGNE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) Au 30 septembre 2025 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 3676237.124443138 | 172479.78157 | 325118.09386667795 | 3891080.17331 | 2398891.75867 | 1020567 | 559770.5074700001 | 0 | 12044144.439329816 Place Geffrard | 0 | 0 | 0 | 2879906.53856 | 0 | 0 | 0 | 0 | 2879906.53856 Place Geffrard 2 | 0 | 0 | 0 | 240477.07882 | 0 | 0 | 0 | 0 | 240477.07882 Rue Pavée II | 1388801.754744462 | 0 | 0 | 1050282.0757900001 | 0 | 0 | 0 | 0 | 2439083.830534462 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 1388801.754744462 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1388801.754744462 Delmas | 4205723.055179319 | 59839.69106 | 883251.3445941121 | 3005496.09705 | 8301837.150380001 | 1685758 | 315676.48332 | 0 | 18457581.821583435 Delmas 52 | 1698693.1844157919 | 0 | 0 | 0 | 0 | 0 | 0 | 1698693.1844157919 Delmas 2 | 1494440.373036703 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1494440.373036703 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 1108297 | 0 | 0 | 1108297 Delmas 32 | 1012589.497726824 | 0 | 0 | 0 | 3421755.2831300003 | 0 | 0 | 0 | 4434344.7808568245 Delmas 53 | 0 | 0 | 0 | 1665746.31966 | 0 | 0 | 0 | 0 | 1665746.31966 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 577461 | 315676.48332 | 0 | 893137.48332 Delmas 48 | 0 | 0 | 0 | 1339749.7773900002 | 0 | 0 | 0 | 0 | 1339749.7773900002 Delmas-Aéroport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 16 | 0 | 0 | 0 | 0 | 1593493.94302 | 0 | 0 | 0 | 1593493.94302 Delmas 18 | 623311.34899 | 623311.34899 Delmas 71 | 0 | 0 | 89544.40040097 | 0 | 2363983.9131600005 | 0 | 0 | 0 | 2453528.3135609706 Kiosque Mégamart | 0 | 0 | 0 | 0 | 46521.960159999995 | 0 | 0 | 0 | 46521.960159999995 Delmas 35 | 427937.0746229101 Delmas 64 | 365769.869570232 Delmas 75 | 252770.70192000002 Pétion-Ville | 4384467.870040151 | 176756.22907 | 2409691.566194483 | 5954620.3260200005 | 9023361.42729 | 2718283 | 87604.08748999999 | 0 | 24754784.506104633 P-V 1 | 1921032.5104819022 | 176756.22907 | 1146270.40916986 | 1873838.3171100002 | 4297548.24548 | 1132494 | 87604.08748999999 | 0 | 10635543.798801761 Place Boyer | 1117193.839657996 | 0 | 183762.40942272302 | 0 | 0 | 731679 | 0 | 0 | 2032635.2490807192 Choucoune Plaza | 1245667.915806779 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1245667.915806779 P-V 2 | 0 | 0 | 636653.1884582869 | 1288751.10144 | 2037914.60071 | 854110 | 0 | 0 | 4817428.8906082865 P-V 3 | 100573.604093474 | 0 | 0 | 2722836.7594299996 | 1621801.91371 | 0 | 0 | 0 | 4445212.277233474 P-V 4 | 0 | 0 | 0 | 69194.14803999999 | 701466.5100799999 | 0 | 0 | 0 | 770660.6581199999 Juvénat | 443005.55914361303 | 364630.15731 Lalue | 1112641.379154066 | 0 | 529066.601540284 | 1492362.3662 | 2317651.4439000003 | 0 | 0 | 0 | 5451721.79079435 Champs de Mars | 0 | 0 | 0 | 996273.90784 | 0 | 0 | 0 | 0 | 996273.90784 Laboule | 0 | 0 | 0 | 0 | 896977.57343 | 567260 | 0 | 0 | 1464237.5734299999 Aéroport | 0 | 128388.99865 | 237913.09194363802 | 873055.4736499999 | 847135.54964 | 678051 | 0 | 0 | 2764544.113883638 Aéroport 2 | 0 | 0 | 0 | 1345399.7975599999 | 0 | 233707 | 0 | 0 | 1579106.7975599999 Carrefour | 2113457.2640084773 | 0 | 224750.1715006 | 3504256.2328199996 | 0 | 540828 | 0 | 0 | 6383291.668329077 Arcachon | 1178501.677547476 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1178501.677547476 Carrefour | 934955.5864610011 | 0 | 0 | 2312943.9047399997 | 0 | 0 | 0 | 0 | 3247899.4912010008 Truitiers | 0 | 0 | 0 | 1191312.32808 | 0 | 0 | 0 | 0 | 1191312.32808 Thor | 0 | 0 | 0 | 0 | 3451900.2201900007 | 0 | 0 | 0 | 3451900.2201900007 Diquini | 0 | 0 | 0 | 950225.84235 | 0 | 401396 | 0 | 0 | 1351621.84235 Rue du Quai | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 436997.68369 | 0 | 0 | 0 | 436997.68369 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 651726 | 0 | 0 | 651726 Parc Industriel | 1499740.3555144118 | 89534.99253 | 771894.951485913 | 0 | 0 | 0 | 0 | 0 | 2361170.2995303245 Varreux | 0 | 0 | 0 | 0 | 2362450.8815 | 133519 | 0 | 0 | 2495969.8815 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 1173863.5822900003 | 0 | 0 | 0 | 1173863.5822900003 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 81204.20463 | 0 | 0 | 0 | 81204.20463 Canapé-Vert | 0 | 0 | 0 | 0 | 1116895.29877 | 0 | 0 | 0 | 1116895.29877 Rue Capois | 0 | 0 | 0 | 0 | 1894164.24055 | 0 | 0 | 0 | 1894164.24055 Damien | 861916.122213531 | 0 | 195876.37539787102 | 1060170.87831 | 2359141.6653199997 | 0 | 0 | 0 | 4477105.041241402 Frères | 584364.662659695 | 0 | 446150.753993211 | 1574245.9741 | 2586199.54633 | 54607 | 0 | 0 | 5245567.937082905 Portail Léogane | 0 | 0 | 0 | 392067.11702999996 | 1139799.2921600002 | 0 | 0 | 0 | 1531866.40919 Croix des Bossales | 0 | 0 | 0 | 0 | 361691.5471 | 0 | 0 | 0 | 361691.5471 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 658030.8013099999 | 0 | 0 | 0 | 658030.8013099999 Martissant | 0 | 0 | 0 | 0 | 1436371.5481599998 | 0 | 0 | 0 | 1436371.5481599998 Nazon | 0 | 0 | 0 | 0 | 1080613.0858099998 | 0 | 0 | 0 | 1080613.0858099998 Croix des Bouquets | 968759.6334897311 | 0 | 0 | 630584.77575 | 1800679.15206 | 0 | 0 | 0 | 3400023.561299731 Lathan | 0 | 0 | 0 | 1073779.00618 | 1334759.5991500001 | 0 | 0 | 0 | 2408538.60533 Turgeau | 1149642.634393097 | 0 | 0 | 2080130.6117999998 | 2740132.79377 | 0 | 339380.12039999996 | 0 | 6309286.160363097 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 928412.408252426 | 31125.91675 | 491748.248416704 | 775061.24153 | 3309553.8524 | 629321 | 0 | 0 | 6165222.66734913 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 568885.62325 | . | 0 | 0 | 568885.62325 Avenue Christophe | 0 | 0 | 0 | 0 | 932206.2041400002 | 0 | 0 | 0 | 932206.2041400002 Autres succursales non précisées | 2.8138220000000005 | 0 | 199245.838839058 | 0 | 606906.28018 | 470632 | 0 | 0 | 1276786.932841058 TOTAL | 22874167.077914506 | 658125.60963 | 6714707.037772552 | 33769475.51466999 | 55218302.00607 | 9785655 | 1302431.1986800001 | 0 | 130322863.44473705 VILLES DE PROVINCES Aquin | 1415780.311369524 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1415780.311369524 Jacmel | 940566.6925013791 | 0 | 0 | 1641435.43242 | 1839084.948 | 365334 | 0 | 0 | 4786421.0729213795 Hinche | 1149605.7279209571 | 0 | 0 | 491963.52864 | 779801.80877 | 563521 | 0 | 0 | 2984892.065330957 Cap-Haïtien | 1750612.993957675 | 0 | 984666.2644106329 | 4271151.0313 | 5016124.943460001 | 878957 | 0 | 0 | 12901512.23312831 Cap-Haïtien 1 | 1750612.993957675 | 0 | 793264.3824622859 | 1366735.8194300001 | 2444693.1764 | 696175 | 0 | 0 | 7051481.372249961 Cap-Haïtien 2 | 0 | 0 | 191401.881948347 | 2904415.2118699998 | 2571431.76706 | 182782 | 0 | 0 | 5850030.8608783465 Cayes | 1963637.7878791408 | 0 | 519888.7689077471 | 1768425.90495 | 3676908.45667 | 439889 | 0 | 0 | 8368749.918406888 Cayes 1 | 1439083.1286981748 | 0 | 519888.7689077471 | 0 | 2578110.1788600003 | 0 | 0 | 0 | 4537082.076465922 Cayes 2 | 524554.659180966 | 0 | 0 | 0 | 1098798.2778099999 | 0 | 0 | 0 | 1623352.9369909659 Cabaret | 1239942.573856118 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1239942.573856118 Cap Saint-Michel | 0 | 0 | 0 | 919779.8224500001 | 0 | 0 | 0 | 0 | 919779.8224500001 Ouanaminthe | 291680.235277605 | 0 | 330722.98151429195 | 703784.3183099999 | 1073499.6376099999 | 0 | 0 | 0 | 2399687.1727118967 Fort-Liberté | 561934.0617169699 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 561934.0617169699 Gonaïves | 1679004.258463963 | 0 | 427829.284935873 | 2281906.67166 | 2603999.33684 | 404891 | 0 | 0 | 7397630.5518998355 Port-de-Paix | 1572000.423515487 | 0 | 422686.81273990194 | 718715.15746 | 1261834.06648 | 0 | 0 | 0 | 3975236.460195389 Petit-Goave | 843142.3410605671 | 0 | 0 | 752269.9598 | 972600.37087 | 0 | 0 | 0 | 2568012.671730567 Miragoane | 696606.075663431 | 0 | 0 | 1364115.9220699999 | 1128175.786 | 0 | 0 | 0 | 3188897.7837334312 Mirebalais | 0 | 0 | 0 | 887828.3017899999 | 1045994.28329 | 0 | 0 | 0 | 1933822.58508 Jérémie | 862291.419903906 | 0 | 0 | 649509.90975 | 985325.75928 | 0 | 0 | 0 | 2497127.088933906 La Gonave | 0 | 0 | 0 | 0 | 1158966.2650400002 | 0 | 0 | 0 | 1158966.2650400002 Léogane | 1653829.164809299 | 0 | 0 | 1072491.1382000002 | 837476.81591 | 0 | 0 | 0 | 3563797.118919299 Fonds-des-Nègres | 877930.453461236 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 877930.453461236 Limbé | 0 | 0 | 0 | 0 | 992323.85427 | 0 | 0 | 0 | 992323.85427 Vertières | 439371.51084915304 | 0 | 0 | 432136.72594 | 1326956.81302 | 174253 | 0 | 0 | 2372718.049809153 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 44260.124034238994 St-Marc | 1963401.865828551 | 0 | 218345.50496257405 | 1624743.2871299998 | 2197529.84281 | 264396 | 0 | 0 | 6268416.5007311255 Belladerre | 427310.77099347505 TOTAL | 20372908.793062676 | 0 | 2904139.617471021 | 19580257.11187 | 26896602.988319997 | 3091241 | 0 | 0 | 72845149.5107237 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 | 43247075.87097718 | 658125.60963 | 9618846.655243574 | 53349732.62653999 | 82114904.99439 | 12876896 | 1302431.1986800001 | 0 | 203168012.95546073 [ dépôts à terme] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À TERME PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) Au 30 septembre 2025 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 1401831.929771681 | 129756.62040000001 | 92014.004829746 | 9882522.28385 | 6157326.92036 | 2491921 | 1110307.13596 | 0 | 21265679.895171426 Place Geffrard | 0 | 0 | 0 | 536683.35158 | 0 | 0 | 0 | 0 | 536683.35158 Place Geffrard 2 | 0 | 0 | 0 | 24744.859230000002 | 0 | 0 | 0 | 0 | 24744.859230000002 Rue Pavée II | 120958.38117003301 | 0 | 0 | 262265.32861 | 0 | 0 | 0 | 0 | 383223.70978003304 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 120958.38117003301 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 120958.38117003301 Delmas | 880776.0834440871 | 832.76062 | 2345624.776329331 | 1903840.8733400002 | 1624289.93794 | 792233 | 1009852.2854800001 | 0 | 8557449.717153419 Delmas 52 | 600038.513452681 | 0 | 0 | 0 | 0 | 0 | 0 | 600038.513452681 Delmas 2 | 198659.398220377 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 198659.398220377 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 602615 | 0 | 0 | 602615 Delmas 32 | 82078.171771029 | 0 | 0 | 0 | 463836.56214999995 | 0 | 0 | 0 | 545914.7339210289 Delmas 55 | 0 | 0 | 0 | 1682617.12455 | 0 | 0 | 0 | 0 | 1682617.12455 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 189618 | 1009852.2854800001 | 0 | 1199470.28548 Delmas 48 | 0 | 0 | 0 | 221223.74879 | 0 | 0 | 0 | 0 | 221223.74879 Delmas-Aéroport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 16 | 0 | 0 | 0 | 0 | 186285.24858 | 0 | 0 | 0 | 186285.24858 Delmas 18 | 114834.68917 | 114834.68917 Delmas 71 | 0 | 0 | 756.1119390000001 | 0 | 834597.1379099999 | 0 | 0 | 0 | 835353.2498489999 Kiosque Mégamart | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 35 | 577596.419066107 Delmas 64 | 1767272.245324224 Delmas 75 | 24736.30013 Pétion-Ville | 6630737.196350733 | 2028166.0323200002 | 7871640.231820008 | 4316430.10194 | 14407789.360590002 | 2302748 | 852750.5120900001 | 0 | 38410261.43511074 P-V 1 | 204867.70727454202 | 2028166.0323200002 | 3419586.3945531133 | 2476078.47757 | 3648229.3042599997 | 1084288 | 852750.5120900001 | 0 | 13713966.428067654 Place Boyer | 1539181.4087681943 | 0 | 219155.775097862 | 0 | 0 | 126978 | 0 | 0 | 1885315.1838660561 Choucoune Plaza | 1691321.1094883052 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1691321.1094883052 P-V 2 | 0 | 0 | 3043418.3240438662 | 1201153.33179 | 8876686.25234 | 1091482 | 0 | 0 | 14212739.908173867 P-V 3 | 3195366.970819691 | 0 | 0 | 639198.29258 | 1794887.04632 | 0 | 0 | 0 | 5629452.309719691 P-V 4 | 0 | 0 | 0 | 0 | 34194.60031 | 0 | 0 | 0 | 34194.60031 Juvénat | 1189479.7381251662 | 53792.15736 Lalue | 79981.741074025 | 0 | 71069.037897129 | 395254.04334000003 | 326309.97388999996 | 0 | 0 | 0 | 872614.7962011541 Champs de Mars | 0 | 0 | 0 | 81142.57822 | 0 | 0 | 0 | 0 | 81142.57822 Laboule | 0 | 0 | 0 | 0 | 167895.80987 | 162752 | 0 | 0 | 330647.80987 Aéroport | 0 | 304.52733 | 135615.064932396 | 1645148.71992 | 58255.28481999999 | 915686 | 0 | 0 | 2755009.5970023964 Aéroport 2 | 0 | 0 | 0 | 798656.61335 | 0 | 49713 | 0 | 0 | 848369.61335 Carrefour | 258374.62607050798 | 0 | 11076.986384383 | 857463.03223 | 0 | 94125 | 0 | 0 | 1221039.644684891 Arcachon | 88991.41902397099 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 88991.41902397099 Carrefour | 169383.207046537 | 0 | 0 | 787813.76842 | 0 | 0 | 0 | 0 | 957196.9754665369 Truitiers | 0 | 0 | 0 | 69649.26381 | 0 | 0 | 0 | 0 | 69649.26381 Thor | 0 | 0 | 0 | 0 | 480637.30837999994 | 0 | 0 | 0 | 480637.30837999994 Diquini | 0 | 0 | 0 | 157442.84065 | 0 | 86080 | 0 | 0 | 243522.84065 Rue du Quai | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 190744.39356 | 0 | 0 | 190744.39356 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 1035567 | 0 | 0 | 1035567 Parc Industriel | 811983.009254068 | 500.41096 | 1511529.8609397032 | 0 | 0 | 0 | 0 | 0 | 2324013.281153771 Varreux | 0 | 0 | 0 | 0 | 459671.34904999996 | 2411 | 0 | 0 | 462082.34904999996 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 264377.2464 | 0 | 0 | 0 | 264377.2464 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 703.13476 | 0 | 0 | 0 | 703.13476 Canapé-Vert | 0 | 0 | 0 | 0 | 15300.074349999999 | 0 | 0 | 0 | 15300.074349999999 Rue Capois | 0 | 0 | 0 | 0 | 48224.646689999994 | 0 | 0 | 0 | 48224.646689999994 Damien | 231665.57337750102 | 0 | 0 | 243882.51755000002 | 276513.97271000006 | 0 | 0 | 0 | 752062.0636375011 Frères | 134682.63895893 | 0 | 29639.983358481 | 344016.41640000005 | 1945215.6354800002 | 37388 | 0 | 0 | 2490942.674197411 Portail Léogane | 0 | 0 | 0 | 68227.9876 | 23925.860350000003 | 0 | 0 | 0 | 92153.84795 Croix des Bossales | 0 | 0 | 0 | 0 | 271.73403 | 0 | 0 | 0 | 271.73403 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 8755.60737 | 0 | 0 | 0 | 8755.60737 Martissant | 0 | 0 | 0 | 0 | 76162.43248999999 | 0 | 0 | 0 | 76162.43248999999 Nazon | 0 | 0 | 0 | 0 | 106363.73689 | 0 | 0 | 0 | 106363.73689 Croix des Bouquets | 86526.047515015 | 0 | 0 | 98726.48804 | 161073.83272 | 0 | 0 | 0 | 346326.36827501503 Lathan | 0 | 0 | 0 | 116072.36266999999 | 137198.50037999998 | 0 | 0 | 0 | 253270.86304999999 Turgeau | 336245.01501547504 | 0 | 0 | 494403.55756 | 3616774.4575800006 | 0 | 317994.43539 | 0 | 4765417.465545476 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 136671.012832068 | 0 | 243565.82287390702 | 94946.66754 | 249999.01987 | 347262 | 0 | 0 | 1072444.5231159749 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 126162.37028999999 | . | 0 | 0 | 126162.37028999999 Avenue Christophe | 0 | 0 | 0 | 0 | 108531.65862 | 0 | 0 | 0 | 108531.65862 Autres succursales non précisées | 0 | 0 | 261.3822 | 0 | 117717.13226 | 1040229 | 0 | 0 | 1158207.51446 TOTAL | 11110433.254834125 | 2159560.3516300004 | 12312037.151565086 | 22321870.623619996 | 31156191.391700003 | 9358115 | 3290904.3689200003 | 0 | 91709112.14226921 0 VILLES DE PROVINCES Aquin | 206185.95152757302 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 206185.95152757302 Jacmel | 110558.37102123702 | 0 | 0 | 91755.40581 | 53777.785280000004 | 6535 | 0 | 0 | 262626.562111237 Hinche | 252006.559048 | 0 | 0 | 81707.12918999999 | 33103.273649999996 | 15385 | 0 | 0 | 382201.96188799996 Cap-Haïtien | 284764.60580422997 | 0 | 1094400.034353435 | 2464695.17036 | 516251.27466 | 95988 | 0 | 0 | 4456099.085177665 Cap-Haïtien 1 | 284764.60580422997 | 0 | 125700.531317392 | 1743753.25296 | 206412.12016999998 | 70067 | 0 | 0 | 2430697.5102516217 Cap-Haïtien 2 | 0 | 0 | 968699.503036043 | 720941.9173999999 | 309839.15449 | 25921 | 0 | 0 | 2025401.574926043 Cayes | 336718.313758098 | 0 | 30516.087442363 | 225356.78639000002 | 447461.00666 | 3364 | 0 | 0 | 1043416.194250461 Cayes 1 | 122324.22534951 | 0 | 30516.087442363 | 0 | 408140.07357 | 0 | 0 | 0 | 560980.386361873 Cayes 2 | 214394.088408588 | 0 | 0 | 0 | 39320.933090000006 | 0 | 0 | 0 | 253715.021498588 Cabaret | 29297.86875102 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 29297.86875102 Cap Saint-Michel | 0 | 0 | 0 | 190977.29241999998 | 0 | 0 | 0 | 0 | 190977.29241999998 Ouanaminthe | 1220.9255098570002 | 0 | 12671.953853796 | 2939.82446 | 16696.73874 | 0 | 0 | 0 | 33529.442563653 Fort-Liberté | 11532.270790976001 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 11532.270790976001 Gonaïves | 215871.88065224802 | 0 | 54229.874789306996 | 127553.20528 | 246681.74557000003 | 15102 | 0 | 0 | 659438.706291555 Port-de-Paix | 113733.762088241 | 0 | 649637.4473960929 | 90608.34227000001 | 150534.00308000002 | 0 | 0 | 0 | 1004513.554834334 Petit-Goave | 36437.486262332 | 0 | 0 | 44295.457780000004 | 57317.010299999994 | 0 | 0 | 0 | 138049.954342332 Miragoane | 41527.064139092 | 0 | 0 | 87870.20673 | 63730.0318 | 0 | 0 | 0 | 193127.302669092 Mirebalais | 0 | 0 | 0 | 240193.42654 | 37016.792649999996 | 0 | 0 | 0 | 277210.21919 Jérémie | 90864.023739577 | 0 | 0 | 43619.22192 | 30417.17175 | 0 | 0 | 0 | 164900.417409577 La Gonave | 0 | 0 | 0 | 0 | 43343.76876 | 0 | 0 | 0 | 43343.76876 Léogane | 148164.63882798998 | 0 | 0 | 337633.17849 | 105349.10012999999 | 0 | 0 | 0 | 591146.91744799 Fonds-des-Nègres | 75660.644242625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 75660.644242625 Limbé | 0 | 0 | 0 | 0 | 35026.64818 | 0 | 0 | 0 | 35026.64818 Vertières | 440458.53491995204 | 0 | 0 | 302569.19956 | 277177.63818999997 | 31883 | 0 | 0 | 1052088.372669952 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 8764.804787375 St-Marc | 327817.051391353 | 0 | 8051.959204883 | 308421.97456 | 120560.82609999999 | 8828 | 0 | 0 | 773679.8112562359 Belladerre | 8225.201138665 | 8225.201138665 TOTAL | 2739809.9584004413 | 0 | 1849507.357039877 | 4640195.821759999 | 2234444.8154999996 | 177085 | 0 | 0 | 11641042.952700317 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 | 13850243.213234566 | 2159560.3516300004 | 14161544.508604962 | 26962066.445379995 | 33390636.207200002 | 9535200 | 3290904.3689200003 | 0 | 103350155.09496953 [pageintsect2] SECTION 2 SOMMAIRE FINANCIER - SYSTÈME BANCAIRE [sofiinfisys] SYSTÈME BANCAIRE SOMMAIRE FINANCIER INDICATEURS FINANCIERS Var.sept 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 | 0.01705746407770776 | 678128438.2649103 | 0.02121663847783493 | 692516044.1811157 | 0.01968143451291074 | 706145753.3538064 | 0.09138177564409893 | 647019923.8365159 | 0.017974913227978225 | 635595156.0582457 | 0.04161392099200667 | 610202247.9239918 | 0.17290052170374615 | 520250640.72579384 Bons B.R.H. | 20750000 | 0.2987951807228916 | 26950000 | 0.19851018817922084 | 32299849.57143 | -0.34674618365209164 | 21100000 | -0.04308390022675737 | 22050000 | 7.647058823529412 | 2550000 | 2.1875 | 800000 | -0.8688524590163934 | 6100000 Prêts Nets | 117701999.50510453 | -0.03370783791806834 | 113734519.5831539 | -0.028067572295765227 | 110542267.7322296 | 0.039152176364098415 | 114870238.09416924 | 0.0027011247003677023 | 114560795.10082863 | -0.15246437721745532 | 135169297.92840332 | -0.09594376937513038 | 149514259.56654975 | 0.14613191738166265 | 130451178.69862218 Dépôts | 542053058.2406099 | 0.023491463090291303 | 554786677.6512487 | 0.01704326356795552 | 564242053.2224493 | 0.02820684354778181 | 580157540.5407741 | 0.0958861513293763 | 529395813.4583669 | 0.02099618106395864 | 518509102.45981 | 0.03664232159259115 | 500181298.4667901 | 0.18010628579134236 | 423844279.5272327 Avoir des Actionnaires | 57506868.29940292 | 0.007795967632426345 | 57955189.98330727 | 0.006253407833873902 | 58317607.422362536 | 0.037835577271548265 | 60524087.76428315 | 0.1332402825254146 | 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 - sept 25) | (oct. 23- sept 24) Résultats Revenus nets d'intérêt | 5362688.526031733 | -0.06629232366974103 | 5743434.11966864 | 5280254.472572907 | -0.03662599260744587 | 5481001.596528769 | 5312498.863854253 | -0.043842427012745586 | 5556091.395330159 | 6160324.290016368 | 0.12601218350790372 | 5470921.523091253 | 22115766.15247526 | -0.006097692081605135 | 22251448.63461882 Autres revenus | 3551855.1976887765 | -0.081944460990452 | 3868889.2411898365 | 3868433.2349221557 | 0.13053865465172762 | 3421761.1392631778 | 3746686.471488377 | 0.20476417946196504 | 3109891.98995077 | 4932853.989799732 | 0.08326585073105523 | 4553687.339512028 | 16099828.89389904 | 0.07660703401015742 | 14954229.709915813 Dot. à la provision pr créances douteuses | 463140.4115434877 | -0.5273693409800629 | 979920.3727152854 | 334821.83768223535 | -0.5907450279292141 | 818125.277716415 | 416821.9589297115 | -0.5333867497450445 | 893292.1615534102 | 573795.1509468231 | -0.19173872839708572 | 709912.9589728992 | 1788579.3591022575 | -0.4741406971887348 | 3401250.77095801 Dépenses d'exploitation | 6545529.767687133 | 0.04481326056868399 | 6264784.354023656 | 6431239.15870914 | 0.018568615545087465 | 6313996.9763033185 | 6017742.82323508 | -0.06138734143972642 | 6411316.498187465 | 7088438.293403296 | 0.04637597780302224 | 6774274.681158322 | 26082950.043034647 | 0.012365041424637126 | 25764372.50967276 Bénéfice net | 1610910.6797529212 | -0.14505834538443896 | 1884234.6387687642 | 1970296.9205225818 | 0.3065682794399512 | 1507993.8427459237 | 2213147.424631297 | 1.1469959068142312 | 1030811.1988509672 | 2808518.3452223856 | 0.34277536244606016 | 2091577.2092409127 | 8602873.370129185 | 0.32054939160800366 | 6514616.889606573 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 - sept 25) | (oct. 23- sept 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 | 0.08546344130854328 | 0.08447347787812805 | 0.08421120046586324 | 0.08162269793975034 | 0.08571047475231114 | 0.08254623737158383 | 0.08571047475231114 | 0.08254623737158383 | 0.08254458614727032 | 0.08024726227101067 | 0.07397907273039252 | 0.07699229990709759 Dépôts en % de l'actif | 0.8129715223569435 | 0.8092478228074719 | 0.8181144549412359 | 0.8072998876040913 | 0.81477109153428 | 0.816715603520713 | 0.8215832748201669 | 0.8182041650510139 | 0.8215832748201669 | 0.8182041650510139 | 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 | 0.14170186403708213 | 0.12021049476337706 | 0.09976759910115814 | 0.10365241934999575 | 0.09976759910115814 | 0.10365241934999575 | 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 | 0.6603806983383878 | 0.6605006997802079 | 0.9241201309603599 | 0.827700495458214 | 0.9241201309603599 | 0.827700495458214 | 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 | 0.10063887351349272 | 0.09962020913519354 | 0.01582719186307008 | 0.041902403238533566 | 0.01582719186307008 | 0.041902403238533566 | 0.04190335301582836 | 0.04984543795117829 | 0.02466152296339713 | -0.006033336650386162 Rentabilité ROA (rendement de l'actif) | 0.009809353503965695 | 0.011899495200920826 | 0.011720251426720016 | 0.009433757291288774 | 0.012917411935627574 | 0.006376182901663592 | 0.016064031205669713 | 0.013332535133464888 | 0.012715181171298953 | 0.010158335094798817 | 0.010158335094798817 | 0.015990419660432787 | 0.01609198724553268 | 0.018894056402956595 ROE ( rendement avoir des action.) | 0.11619079194238982 | 0.1441939743070552 | 0.13651562771890222 | 0.1153013030285386 | 0.15227275675907165 | 0.07677456761541192 | 0.1890594603728258 | 0.1624234829381882 | 0.15101757818954845 | 0.12478583461731642 | 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 | 0.8393286276389808 | 0.842606579513076 | 0.8562147695427538 | 0.8356166215835974 | 0.8423330143308353 | 0.8432317870195886 | 0.8432317870195886 | 0.8581686138445854 | 0.8366368653542322 | 0.8238534845742289 Rendement moyen des prêts | 0.10745285735619571 | 0.12285654035724725 | 0.10045385552220734 | 0.11219086594005472 | 0.10150050467118049 | 0.1148661139265196 | 0.12408928405684029 | 0.11481163114742397 | 0.10776864581204332 | 0.11462409373073733 | 0.11462409373073733 | 0.11849612948383223 | 0.09757312636359047 | 0.10019938664732281 Rendement moyen des prêts productifs | 0.11987791881073237 | 0.13576242450571444 | 0.11414976138783292 | 0.1257381480156025 | 0.11791498270910987 | 0.13116354774878294 | 0.14106635146383475 | 0.12929802644722643 | 0.11996962402000866 | 0.12647243261518062 | 0.12647243261518062 | 0.1281707420455697 | 0.10399743464962523 | 0.10586862841677029 Rémunération moyenne des dépôts | 0.007867144045943979 | 0.008123586374594472 | 0.007545135098730542 | 0.007560357318195583 | 0.007270329048268007 | 0.007906007457224494 | 0.0072318170286526035 | 0.008149039239149584 | 0.007461750771616962 | 0.00789546015903963 | 0.00789546015903963 | 0.007503545317516618 | 0.006981018553340822 | 0.0083099864925933 Dépenses d'exploitation en % du produit net bancaire | 0.7342529209061233 | 0.6517450692029307 | 0.7029684873209024 | 0.7092177073212382 | 0.6642697550030287 | 0.7398256162222755 | 0.6389907486027355 | 0.6755921949130931 | 0.6825211019580673 | 0.6924849554169584 | 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 | 7466.105149144025 | 7039.076767412675 | 9048.269396261094 | 8283.09494947596 | 7846.339194410082 | 7663.37350041908 | 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 30 Septembre 2025 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 263882484.33737636 | 0.37369407531529975 | 1 | UNIBK | 46255036.84023 | 0.36554681606003275 | 1 | UNIBK | 223067375.30544776 | 0.38449448592450103 | 1 | UNIBK | 159239659.76946777 | 0.42672915599144 | 1 SOGEBK | 186323654.66746 | 0.2638600512465373 | 2 | SOGEBK | 28696855.58859999 | 0.2267870681322999 | 2 | SOGEBK | 155250472.0804651 | 0.2676005416317673 | 2 | SOGEBK | 105105165.44259512 | 0.2816599746858979 | 2 BNC | 131958310 | 0.18687120806613958 | 3 | BNC | 19060282 | 0.15063063126233384 | 3 | BNC | 103662456 | 0.1786798391060721 | 3 | BNC | 40431627 | 0.10834834795583276 | 3 CAPITALBK | 53164958 | 0.07528892972519556 | 4 | BUH | 13620859.736751633 | 0.1076436697254849 | 4 | BUH | 43272578.06712021 | 0.07458763360515 | 4 | BUH | 29803202.981310207 | 0.07986638298818177 | 4 BUH | 51197766.74434896 | 0.07250311497475918 | 5 | CAPITALBK | 12486836 | 0.09868164537907864 | 5 | CAPITALBK | 42277677 | 0.0728727527364245 | 5 | CAPITALBK | 29791129 | 0.07983402723044264 | 5 SOGEBL | 12281525.834730932 | 0.01739233830466359 | 6 | SOGEBL | 5104983.860510931 | 0.04034394357296433 | 6 | SOGEBL | 8168385.256570994 | 0.014079598532765967 | 6 | SOGEBL | 6241741.399640994 | 0.016726568263469313 | 6 BPH | 7337053.76989 | 0.010390282367405038 | 7 | BPH | 1311706.5676499999 | 0.01036622586780556 | 7 | BPH | 4458596.83117 | 0.0076851484633192425 | 7 | BPH | 2550773.7355700005 | 0.006835542884735699 | 7 CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8 TOTAL | 706145753.3538063 | 0.9999999999999998 | TOTAL | 126536560.59374256 | 0.9999999999999999 | TOTAL | 580157540.540774 | 1 | TOTAL | 373163299.3285841 | 1.0000000000000002 AU 30 Juin 2025 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 257862717.34630266 | 0.37235630786174695 | 1 | SOGEBK | 41205515.07964 | 0.3378763626984275 | 1 | UNIBK | 217237106.66417798 | 0.3850069405913874 | 1 | UNIBK | 157932092.36319798 | 0.42683235030875016 | 1 SOGEBK | 180249732.06583998 | 0.26028239140507015 | 2 | UNIBK | 28114359.34833 | 0.23053170086214742 | 2 | SOGEBK | 149806268.92197382 | 0.2655000067194806 | 2 | SOGEBK | 102483166.64088383 | 0.2769743009787728 | 2 BNC | 130581298 | 0.1885606825967612 | 3 | BNC | 20108500 | 0.16488537580927842 | 3 | BNC | 101117197 | 0.17920889877404284 | 3 | BNC | 40309152 | 0.10894081012708662 | 3 CAPITALBK | 54527609 | 0.07873840535272746 | 4 | BUH | 13285658.788650274 | 0.10893954507996335 | 4 | BUH | 42572493 | 0.07545076223380329 | 4 | CAPITALBK | 31616322 | 0.08544728829618721 | 4 BUH | 49805168.98142602 | 0.0719191553754101 | 5 | CAPITALBK | 12657178 | 0.1037861377633802 | 5 | CAPITALBK | 41003781.04289669 | 0.07267055124430999 | 5 | BUH | 28935338.061065964 | 0.07820157490967931 | 5 SOGEBL | 12131784.06582706 | 0.017518415880418508 | 6 | SOGEBL | 5280203.259717062 | 0.04329653125930948 | 6 | SOGEBL | 8056562.871600717 | 0.014278557979840014 | 6 | SOGEBL | 6180020.964497717 | 0.016702323345198642 | 6 BPH | 7357734.72172 | 0.010624641527865759 | 7 | BPH | 1303003.25965 | 0.010684346527493598 | 7 | BPH | 4448643.7218 | 0.007884282457135728 | 7 | BPH | 2553566.9124600003 | 0.006901352034325001 | 7 CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8 TOTAL | 692516044.1811156 | 1 | TOTAL | 121954417.73598734 | 1 | TOTAL | 564242053.2224493 | 0.9999999999999998 | TOTAL | 370009658.9421056 | 0.9999999999999996 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 BPH | 5454045.17454032 | 0.008429485667458993 | 7 | BPH | 1311166.83193032 | 0.01046324518420805 | 7 | BPH | 4589224.614600001 | 0.008668796575137461 | 7 | BPH | 2716745.03886 | 0.007651241303465571 | 7 CBNA | 3082081 | 0.004763502461755346 | 8 | CBNA | 13861 | 0.00011061219515810268 | 8 | CBNA | 1939482 | 0.0036635763840480885 | 8 | CBNA | 1336485 | 0.0037639782486740526 | 8 . TOTAL | 647019923.8365159 | 1.0000000000000002 | TOTAL | 125311679.96610036 | 0.9999999999999999 | TOTAL | 529395813.4583669 | 0.9999999999999999 | TOTAL | 355072455.7111369 | 1.0000000000000002 [partdemarc. (2)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage ) POUR LE QUATRIEME TRIMESTRE DE L'EXERCICE 2024-2025 AU 30 Septembre 2025 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 241393714.19885674 | 0.3738934534955695 | 1 | UNIBK | 4406192.0320500005 | 0.3971983430634133 | 1 | UNIBK | 1406854.044170001 | 0.5009239290044949 | 1 SOGEBK | 172774874.9162951 | 0.2676100944637794 | 2 | SOGEBK | 2822521.51295 | 0.25443758693444446 | 2 | BNC | 627143.5127999997 | 0.22330048648848697 | 2 BNC | 119771250 | 0.18551305878284266 | 3 | BNC | 1631747 | 0.1470946340931835 | 3 | SOGEBK | 331555 | 0.11805335028842275 | 3 CAPITALBK | 47452855 | 0.0734994773706437 | 4 | CAPITALBK | 1259831 | 0.11356808375578412 | 4 | CAPITALBK | 305168 | 0.10865800485837158 | 4 BUH | 47328510.3070858 | 0.07330688053020054 | 5 | BUH | 671822.3488961018 | 0.0605617553373747 | 5 | BUH | 87675.40685238803 | 0.03121767283504982 | 5 SOGEBL | 11003785.723880993 | 0.01704370579607493 | 6 | SOGEBL | 206553.03176 | 0.018619824413695817 | 6 | SOGEBL | 39163.039420000016 | 0.013944377285845697 | 6 BPH | 5896675.44348 | 0.009133329560889195 | 7 | BPH | 94511.35416 | 0.008519772402104294 | 7 | BPH | 10959.341980000012 | 0.003902179239328491 | 7 CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8 TOTAL | 645621665.5895987 | 0.9999999999999999 | TOTAL | 11093178.2798161 | 1.0000000000000002 | TOTAL | 2808518.3452223884 | 1.0000000000000004 POUR LE TROISIEME TRIMESTRE DE L'EXERCICE 2024-2025 AU 30 Juin 2025 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 236780800.83737826 | 0.3733544378659821 | 1 | UNIBK | 3490049.56848 | 0.38524982537494384 | 1 | UNIBK | 911152.7322800001 | 0.41169997178646844 | 1 SOGEBK | 167199348.16075382 | 0.2636388525731454 | 2 | SOGEBK | 2006675.2600599998 | 0.2215072532219151 | 2 | BNC | 594550 | 0.2686445527229394 | 2 BNC | 117996848 | 0.18605666802037127 | 3 | BNC | 1606879 | 0.17737566243744654 | 3 | SOGEBK | 290653.25575999985 | 0.13133027313280848 | 3 CAPITALBK | 49120674 | 0.07745316159084929 | 4 | CAPITALBK | 1074899 | 0.1186529428652368 | 4 | CAPITALBK | 244000 | 0.11025022431149141 | 4 BUH | 46279657.07505544 | 0.07297346444805218 | 5 | BUH | 627751.1226423212 | 0.06929443425704888 | 5 | BUH | 125777.33246098767 | 0.05683188162756116 | 5 SOGEBL | 10893206.994440718 | 0.01717633845136137 | 6 | SOGEBL | 169590.35502030898 | 0.018720265536315454 | 6 | SOGEBL | 39103.676180309 | 0.017668807665094224 | 6 BPH | 5927901.65317 | 0.009347077050238331 | 7 | BPH | 83341.02914000001 | 0.009199616307093463 | 7 | BPH | 7910.427950000012 | 0.003574288753636855 | 7 CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8 TOTAL | 634198436.7207983 | 0.9999999999999999 | TOTAL | 9059185.335342629 | 1 | TOTAL | 2213147.4246312967 | 1 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 - Septembre 2025) REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang UNIBK | 15121875.27614 | 0.3956990662526576 | 1 | UNIBK | 4050050.5193000017 | 0.470778813665042 | 1 SOGEBK | 8944492.28598 | 0.23405346103144364 | 2 | SOGEBK | 1712388.58743 | 0.19904844739151203 | 2 BNC | 6257121 | 0.16373213585728644 | 3 | BNC | 1545382 | 0.17963556285343682 | 4 CAPITALBK | 4310096 | 0.11278369458253193 | 4 | CAPITALBK | 857697 | 0.09969889862357928 | 3 BUH | 2499812.3243139954 | 0.06541340835542385 | 5 | BPH | 301044.49901887984 | 0.034993482533889606 | 5 SOGEBL | 721680.7999903089 | 0.018884458010258776 | 6 | SOGEBL | 159676.26404030895 | 0.018560806043563916 | 7 BPH | 318353.35994999995 | 0.008330456703962893 | 7 | BUH | 25165.50033999991 | 0.0029252436084180092 | 6 CBNA | 42164 | 0.0011033192064348165 | 8 | CBNA | -48531 | -0.005641254719441628 | 8 TOTAL | 38215595.046374306 | 0.9999999999999999 | TOTAL | 8602873.37012919 | 0.9999999999999999 CUMUL 2024 (Octobre 2023 - Septembre 2024) REVENUS BRUTS (P.N.B.) | REVENUS NETS Montant | % | Rang | Montant | % | Rang UNIBK | 14077059.462834 | 0.3783578230311145 | 1 | UNIBK | 3050528.591554001 | 0.46825909232219315 | 1 SOGEBK | 8164389.8059 | 0.2194393482171067 | 2 | BNC | 1415066 | 0.21721400106545002 | 2 BNC | 6982562 | 0.1876746322252101 | 3 | SOGEBK | 924011.534860001 | 0.1418366652280306 | 3 CAPITALBK | 4407223 | 0.11845565505318637 | 4 | CAPITALBK | 839002 | 0.12878761932087598 | 4 BUH | 2396960.130873638 | 0.06442457811619882 | 5 | BUH | 128068.99165147296 | 0.01965871421476748 | 5 SOGEBL | 614498.6796269949 | 0.016516260607764524 | 6 | SOGEBL | 106346.78339109485 | 0.01632433421537968 | 6 CBNA | 347564 | 0.009341692329366057 | 7 | CBNA | 90134 | 0.013835656267646367 | 7 BPH | 215421.26530000003 | 0.005790010420053115 | 8 | BPH | -38541.01184999998 | -0.005916082634343145 | 8 TOTAL | 37205678.34453463 | 1.0000000000000002 | TOTAL | 6514616.889606569 | 1.0000000000000002 [partdemarc. (4)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ (En milliers de gourdes ) AU 30 Septembre 2025 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 44946766.00124 | 1 | SOGEBL | 67615.68027166797 | 1 | SOGEBK | 3881261.8020116277 | 1 | BNC | 120327.86535113175 | 1 SOGEBK | 25633750.89570999 | 2 | UNIBK | 30251.822655480708 | 2 | UNIBK | 3717789.5884241294 | 2 | SOGEBK | 148352.09945577173 | 2 BNC | 13908018 | 3 | BUH | 29135.528848666596 | 3 | SOGEBL | 2722795.0855236645 | 3 | UNIBK | 145891.02374457015 | 3 BUH | 13394763.664238324 | 4 | SOGEBK | 27421.74447071189 | 4 | BNC | 2591561.4 | 4 | SOGEBL | 108190.53319961582 | 4 CAPITALBK | 12086462 | 5 | BNC | 22124.52930934417 | 5 | BUH | 1803024.0861300088 | 5 | BUH | 92561.66431469563 | 5 SOGEBL | 4720077.715330931 | 6 | CAPITALBK | 16070.574002574003 | 6 | CAPITALBK | 1691107.08 | 6 | BPH | 30330.590688231292 | 6 BPH | 180399.81764999987 | 7 | BPH | 8923.173929591836 | 7 | BPH | 743099.4718616667 | 7 | CAPITALBK | 54411.42471042471 | 7 CBNA | 0 | 8 | CBNA | 0 | 8 | CBNA | 0 | 8 | CBNA | 0 | 8 TOTAL | 114870238.09416924 AU 30 Juin 2025 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 39873999.71158 | 1 | SOGEBL | 70402.71012956083 | 1 | SOGEBK | 3745156.7230493454 | 1 | SOGEBK | 142266.16231906347 | 1 SOGEBK | 25364257.421919998 | 2 | BUH | 28297.462808626784 | 2 | UNIBK | 3620618.444402966 | 2 | UNIBK | 141753.41381023033 | 2 BNC | 14955519 | 3 | UNIBK | 26887.77492961827 | 3 | SOGEBL | 2685520.957200239 | 3 | BNC | 127351.63350125945 | 3 BUH | 13008687.073582547 | 4 | SOGEBK | 26699.296627094016 | 4 | BNC | 2527929.925 | 4 | SOGEBL | 107420.83828800956 | 4 CAPITALBK | 12249158 | 5 | BNC | 25325.56675062972 | 5 | BUH | 1708490.876787362 | 5 | BUH | 87334.99689647857 | 5 SOGEBL | 4922226.249607062 | 6 | CAPITALBK | 16175.307348242812 | 6 | CAPITALBK | 1702899.72 | 6 | CAPITALBK | 54405.74185303514 | 6 BPH | 168420.27553999983 | 7 | BPH | 8863.967752721088 | 7 | BPH | 741440.6203000001 | 7 | BPH | 30262.882461224493 | 7 CBNA | 0 | 8 | CBNA | 0 | 8 | CBNA | 0 | 8 | CBNA | 0 | 8 TOTAL | 110542267.73222959 AU 30 Septembre 2024 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 41228653.55623999 | 1 | SOGEBL | 72899.08388291876 | 1 | SOGEBK | 3519613.612929524 | 1 | CBNA | 161623.5 | 1 SOGEBK | 28451664.77642 | 2 | SOGEBK | 28028.14360495221 | 2 | UNIBK | 3369733.484777311 | 2 | UNIBK | 131330.95750999587 | 2 BNC | 15801864 | 3 | UNIBK | 27545.675456862617 | 3 | SOGEBL | 2728599.4943089937 | 3 | SOGEBK | 128160.71417130719 | 3 BUH | 12398174.758378172 | 4 | BUH | 27101.783448488502 | 4 | BNC | 2328583.1 | 4 | BNC | 118653.91592356688 | 4 CAPITALBK | 11569274 | 5 | BNC | 26717.210191082802 | 5 | CBNA | 1939482 | 5 | SOGEBL | 113691.64559620807 | 5 SOGEBL | 4921953.2070201505 | 6 | CAPITALBK | 16226.453061224489 | 6 | CAPITALBK | 1617514.76 | 6 | BUH | 81739.68222298022 | 6 BPH | 175349.8027703201 | 7 | BPH | 9895.598731549586 | 7 | BUH | 1588815.073209178 | 7 | CAPITALBK | 55017.50884353741 | 7 CBNA | 13861 | 8 | CBNA | 1155.0833333333333 | 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 4 2025 | AU 30 Septembre 2025 COEFICIENT D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang CBNA | 0 | 1 | UNIBK | 11526.990273512101 | 1 | SOGEBK | 178044.58162203536 | 1 UNIBK | 0.5663798183959133 | 2 | SOGEBL | 10943.206980662253 | 2 | UNIBK | 172585.01264707412 | 2 SOGEBK | 0.591448999871475 | 3 | SOGEBK | 10788.424320879121 | 3 | SOGEBL | 162669.2163540521 | 3 SOGEBL | 0.599305126510238 | 4 | BNC | 7576.306442251886 | 4 | BNC | 153172.73360417876 | 4 CAPITALBK | 0.6607267165199142 | 5 | CAPITALBK | 6485.616473616474 | 5 | BUH | 109513.93956010473 | 5 BNC | 0.7968097995583874 | 6 | BUH | 5748.2126108757375 | 6 | CAPITALBK | 68423.36936936936 | 6 BUH | 0.8686019785917273 | 7 | BPH | 2571.7375281632653 | 7 | BPH | 49911.93040741497 | 7 BPH | 0.8840420595239092 | 8 | CBNA | 0 | 8 | CBNA | 0 | 8 SOGEBK | 0.00650649495052729 | 9 | PROMOBK | #REF! | 9 | 9 | SCOTIA | #REF! | 9 | SCOTIA | #REF! | 9 UNIBK | 0.014204787799657328 | 10 | UNIBK | 0.1689403934045022 | 10 SOCABEL | #REF! | 13 | SOCABEL | #REF! | 13 AU 30 JUIN 2004 | TRIM 3 2025 | AU 30 Juin 2025 COEFICIENT R.O.A. | Rang | R.O.E. | Rang | D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang CBNA | 0 | 1 | UNIBK | 9109.427911203915 | 1 | SOGEBK | 171177.33339585943 | 1 SOGEBL | 0.554416407163841 | 2 | SOGEBL | 9044.818934416478 | 2 | UNIBK | 168262.7845652872 | 2 UNIBK | 0.6044347688387534 | 3 | BNC | 8095.10831234257 | 3 | BNC | 164460.07304785895 | 3 BNC | 0.6113272996908915 | 4 | SOGEBK | 7622.69804391263 | 4 | SOGEBL | 161757.12087769413 | 4 SOGEBK | 0.7219997163899255 | 5 | CAPITALBK | 5494.691373801917 | 5 | BUH | 106081.29708503945 | 5 CAPITALBK | 0.7289763968521694 | 6 | BUH | 5348.252376079414 | 6 | CAPITALBK | 69683.84536741214 | 6 BUH | 0.834816944188368 | 7 | BPH | 2267.7831058503407 | 7 | BPH | 50052.61715455782 | 7 BPH | 0.9050836300963873 | 8 | CBNA | 0 | 8 | CBNA | 0 | 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.sept 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 | -0.004108168993784121 | 21507092.334955115 | 0.1566486520335516 | 24876149.358386964 | -0.2930629675364513 | 35188635.21931797 | 0.21951771525817343 | 28854550.26938128 | 0.4348459059883045 | 20109859.98493449 | 0.10936239656836208 | 18127403.675427593 Avoirs à la BRH | 258004576.23362792 | 0.02534824147280067 | 264544538.53308553 | 0.029178707067355578 | 272263606.1292112 | 0.01343219478627363 | 275920703.91995203 | 0.16719196708755177 | 236397020.97029173 | -0.0011474979985516304 | 236668597.71248683 | 0.03242910831152402 | 229234720.14416966 | 0.17799247816585675 | 194597779.18199432 Avoirs à l'étranger | 29541917.12991929 | 0.25551505284488585 | 37090321.646509856 | -0.12601037571896798 | 32416556.280295778 | -0.03879681700148154 | 31158897.078470916 | -0.05848508622140037 | 33094427.525763053 | -0.03360030921016478 | 34245072.5524499 | -0.055013371180941545 | 36238684.768741824 | -0.11607028552863714 | 40997246.9252428 Avoirs dans les banques locales | 600994.1598332511 | 0.04723455622818338 | 629381.8522687047 | 0.07951826596413579 | 679429.205790408 | -0.1438816005203952 | 581671.8442209831 | -0.021900556614502954 | 594696.0180323194 | -0.20266830723408696 | 745857.7445596596 | -0.04674204596827713 | 782430.1296465644 | 1.571935597492979 | 304218.3989401781 Autres liquidités | 1975965.563572478 | 0.0384066396873248 | 2051855.7610071679 | 0.18874846977967044 | 2439140.396105872 | 0.27930466519066854 | 3120403.687793257 | 0.17014043681756064 | 2666691.6120596956 | -0.4858198618270421 | 5186298.369157706 | 1.0609117460415234 | 2516506.773819519 | 0.46681532692001537 | 1715626.178452622 313815230.11632574 | 0.03854713887066277 | 325911909.37134874 | 0.010413596058996864 | 329305824.34635836 | 0.01928906527867827 | 335657825.8888242 | 0.09000526763173711 | 307941471.34546477 | 0.007331017128610271 | 305700376.6480354 | 0.05821810669488948 | 288882201.801312 | 0.12958329835839766 | 255742274.3600575 Bons B.R.H. | 20750000 | 0.2987951807228916 | 26950000 | 0.19851018817922084 | 32299849.57143 | -0.34674618365209164 | 21100000 | -0.04308390022675737 | 22050000 | 7.647058823529412 | 2550000 | 2.1875 | 800000 | -0.8688524590163934 | 6100000 Bons du Trésor / M.E.F. | 34923000 | -0.012656415542765512 | 34481000 | 0.014297729184188394 | 34974000 | 0.1547749185108938 | 40387098 | 0.3836979148822453 | 29187800 | -0.15873180573569678 | 34695000 | -0.13186538220943325 | 39965000 | 0.5110783424077435 | 26448000 Autres Placements | 136879738.01152942 | 0.004259428693171963 | 137462767.4951296 | 0.06164605957092908 | 145936805.44891912 | 0.05615801048979554 | 154132326.10016677 | 0.1556467062371004 | 133373223.2076677 | 0.11698893990109989 | 119404246.9386284 | 0.21579026599419945 | 98211221.35814014 | 0.33329401187026897 | 73660588.35018319 Portefeuille net | 117701999.50510453 | -0.03370783791806834 | 113734519.5831539 | -0.028067572295765227 | 110542267.7322296 | 0.039152176364098415 | 114870238.09416924 | 0.0027011247003677023 | 114560795.10082863 | -0.15246437721745532 | 135169297.92840332 | -0.09594376937513038 | 149514259.56654975 | 0.14613191738166265 | 130451178.69862218 Immobilisations | 21887939.36028 | -0.017470761204783757 | 21505540.39845176 | 0.003227695553897085 | 21574953.735579997 | -0.0007648883238523306 | 21558451.305379998 | -0.008414313335285577 | 21741390.174654238 | 0.0703330966185059 | 20312732.77762 | 0.4541137359541169 | 13969149.919549998 | 0.04526091416921278 | 13364270.80568 Autres actifs | 20797376.966898624 | -0.13052970835663336 | 18082701.416826382 | -0.011080096143228734 | 17882343.346598648 | 0.03117436053331651 | 18439813.965266068 | 0.015115126295359596 | 18165244.007900625 | 0.02261616249116812 | 17763501.7655586 | -0.05815956312135178 | 18860415.278439935 | 0.3021256224470254 | 14484328.511251023 666755283.9601384 | 0.01705746407770776 | 678128438.2649103 | 0.02121663847783493 | 692516044.1811157 | 0.01968143451291074 | 706145753.3538064 | 0.09138177564409893 | 647019923.8365159 | 0.017974913227978225 | 635595156.0582457 | 0.04161392099200667 | 610202247.9239918 | 0.17290052170374615 | 520250640.72579384 PASSIF Dépôts À vue | 255784280.68752494 | 0.02635770765035489 | 262526167.97944304 | 0.009388762132195957 | 264990963.72407895 | 0.03263661786404418 | 273639372.5445665 | 0.08711570082972321 | 251711360.93031842 | 0.0222058812780259 | 246243311.19638354 | 0.04610915868696442 | 235389690.5992665 | 0.1810964519041873 | 199297602.0034321 Épargne | 186743588.47272012 | 0.04006346016172424 | 194225182.78995436 | 0.03611036439993728 | 201238724.91614404 | 0.009587062326573744 | 203168013.11443534 | 0.1368381265931669 | 178713229.5811379 | -0.003811851619361145 | 179397064.5722362 | 0.04299503188823448 | 172001839.97756577 | 0.20970385870819858 | 142185080.04202008 À terme | 99525189.08036487 | -0.014969699754205085 | 98035326.88185132 | -0.00023422474688901838 | 98012364.58222623 | 0.05446037673203937 | 103350154.88177226 | 0.044244496576652595 | 98971222.94691056 | 0.06571099306672466 | 92868726.69119021 | 0.0008509429760196925 | 92789767.88995776 | 0.1266144747918965 | 82361597.48178053 542053058.2406099 | 0.023491463090291303 | 554786677.6512487 | 0.01704326356795552 | 564242053.2224493 | 0.02820684354778181 | 580157540.5407741 | 0.0958861513293763 | 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 | -1 | 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 | 0 Autres | 36227528.740483165 | -0.04628856220412979 | 34550608.52287741 | 0.11163705703703702 | 38407736.77721021 | -0.08971608030256763 | 34961945.18026614 | 0.07540676963221517 | 32510438.066354174 | 0.07581511403349182 | 30219354.27590774 | 0.28598038834438205 | 23499078.640548505 | 0.4066237528633815 | 16706015.800396381 36877528.740483165 | -0.04547268417595663 | 35200608.52287741 | 0.0911100230624832 | 38407736.77721021 | -0.08971608030256763 | 34961945.18026614 | 0.04176069189385953 | 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 | -0.09683001139193681 | 7246089.71915 | 0.020958221241540797 | 7397954.87062 | -0.06928728649631793 | 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 | 0 | 0 | 0.6 | 0.21369042802815752 | 0.49436 | -0.9992275395675808 | 639.981 Autres | 12050986.189043008 | -0.05344515784673381 | 11406919.329960795 | 0.060544449983207266 | 12097544.986796087 | 0.033845537906206605 | 12506992.904218733 | -0.01015321249335212 | 12635281.603249872 | -0.1550749591336507 | 14954322.56368471 | 0.2504686971211595 | 11958973.941621 | 0.20992854969449307 | 9884033.189100828 19792798.696163006 | -0.01833631978849801 | 19429871.609760795 | -0.004438367146563385 | 19343634.705946088 | 0.029017972962449668 | 19904947.774838734 | -0.03298839440094763 | 20583980.233109873 | -0.18447221717725734 | 25240072.33924471 | -0.1806223061738724 | 30803953.450801 | 0.007705997583081588 | 30568393.484490827 0 | 0 | 0 | 0 Autres passifs | 10525030.015317006 | 0.02195342727736128 | 10756090.496350313 | 0.1347070777559969 | 12205012.015192714 | -0.13173112156478334 | 10597232.09371972 | 0.05217905980816865 | 10071700.244302323 | 0.010012624974827838 | 9971855.791954419 | 0.04136867735531761 | 9575720.884249331 | 0.09104402553527072 | 8776658.558348682 609248415.6925731 | 0.017931655308853198 | 620173248.2802372 | 0.022614952320909567 | 634198436.7207984 | 0.018012073520498575 | 645621665.5895987 | 0.08761571454948218 | 593611932.0021331 | 0.01543225370918478 | 584590384.8669169 | 0.03456328822870118 | 565060051.4423889 | 0.1767295425427094 | 480195347.37046856 0 | 0 | 0 | 0 | 0 | 0 | 0 AVOIR DES ACTIONNAIRES Capital versé | 21878488.76157 | -0.006094250907960429 | 21745155.76157 | -0.0002931687438756578 | 21738780.76157 | 0.001004851130778101 | 21760625 | -0.005597410080877413 | 21883113.76157 | -1.960377278369081e-05 | 21883542.76157 | 0.4007524558119212 | 15622705.26157 | 0.08369008875558102 | 14416211.26157 Réserves | 9151922.4443 | 0.08247121217248601 | 9906692.581990002 | 0.00033038557045259634 | 9909965.610270001 | -0.0809330086755114 | 9107922.27756 | -0.0026032269794796707 | 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 | 0 Surplus d'apport | 3214263.27904 | 0 | 3214263.27904 | 0 | 3214263.27904 | 0.07287047973554796 | 3448488.18618 | 1.7505601871823027 | 1253740.31161 | -0.12900830653462425 | 1439440.03257 | 0.10354541335050162 | 1304377.70404 | -0.10000497777305484 | 1449316.57601 BNR | 23262193.814492926 | -0.007441922940122652 | 23089078.36070727 | 0.01583083590713173 | 23454597.771482535 | 0.11735245071681491 | 26207052.300543156 | 0.23972289777919872 | 21139443.618803572 | 0.06080118694317128 | 19927809.1682 | -0.0013569767384824854 | 19954887.486337997 | 0.16730818331487665 | 17094789.33804 57506868.29940292 | 0.007795967632426345 | 57955189.98330727 | 0.006253407833873902 | 58317607.422362536 | 0.037835577271548265 | 60524087.76428315 | 0.1332402825254146 | 53407991.84212357 | 0.04711756566755936 | 51004771.18639 | 0.12986906185756752 | 45142196.479417995 | 0.1269970257459187 | 40055293.35762 666755283.991976 | 0.017057464027094665 | 678128438.2635444 | 0.021216638423921946 | 692516044.1431609 | 0.019681434568905504 | 706145753.3538818 | 0.09138177563115862 | 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 | 0.0022113978384280136 | 1632032.1571306 | 1635413.506454532 | 1638684.575554964 | 1689770.930555273 | 1537300.341460401 | 1267194.203952186 Crédit documentaire | 3586811.455648905 | 0.00429920073645609 | 3602231.87810056 | 0.018738900391702996 | 3669733.7424521036 | 3287839.452263106 | 3590804.126239959 | 4533183.750797793 | 4188643.145419392 | 3567610.27823485 Autres | 21789920.45937242 | 0.030914182467289452 | 22463538.036401182 | 0.005409721984617948 | 22585059.531969003 | 22796321.195459053 | 24369877.641579732 | 21247677.55485199 | 151487184.2710981 | 20774183.971271355 Portefeuille brut | 128280896.04359484 | -0.026655884978734983 | 124861455.23368771 | -0.02328210489185503 | 121954417.73598734 | 0.03757258607617522 | 126536560.59374255 | 0.00977467246447851 | 125311679.96610036 | -0.1355298389110183 | 144957785.24992 | -0.08839985269419076 | 159014657.55390215 | 0.1484936095543595 | 138454978.09570163 Provisions pour créances douteuses | 10840403.538490295 | 0.026431867690732695 | 11126935.650533821 | 0.025632785358134385 | 11412150.003757728 | 0.0222720955938967 | 11666322.499573309 | 0.08514998028289804 | 10750884.865271715 | 0.09831933292078075 | 9788487.321516676 | 0.030323922697532462 | 9500397.987352408 | 0.18698601951706315 | 8003799.397079452 Portefeuille de crédit improductif | 13295409.165594183 | 0.2844352701497063 | 17077092.463360846 | 0.01195026951007014 | 17281168.320746396 | -0.26947943480185643 | 12624248.84895591 | -0.028070976667044084 | 12988858.801298697 | 0.053363452134161805 | 12330842.478901925 | 0.16178839573459877 | 10613673.30244776 | 0.3673656740786397 | 7762132.327622954 Graphe Dépots US | 352789769.8645 | 0.04128163649772893 | 367353508.9041637 | 0.007230501338792706 | 370009658.9421055 | 0.008523129897460449 | 373163299.3285841 | 0.0509497239970782 | 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 | 32299849.57143 | 21100000 [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 | 0.03184619661982238 | 21507092.334955115 | 0.03105645351565357 | 24876149.358386964 | 0.03522806621754623 | 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 | 0.3901097839370385 | 272263606.1292112 | 0.3931513333400912 | 275920703.91995203 | 0.3907418583337498 | 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 | 0.05469512787490642 | 32416556.280295778 | 0.046809827082963266 | 31158897.078470916 | 0.044125305477634304 | 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 | 629381.8522687047 | 0.0009281159980240162 | 679429.205790408 | 0.0009811024762521096 | 581671.8442209831 | 0.0008237277381593811 | 594696.0180323194 | 0.0009191309202753123 | 745857.7445596596 | 0.0011734792775722625 | 782430.1296465644 | 0.0012822472095252355 | 304218.3989401781 | 0.0005847535305593619 Autres liquidités | 1975965.563572478 | 0.0029635544121021317 | 2051855.7610071679 | 0.003025762739367099 | 2439140.396105872 | 0.0035221427959695856 | 3120403.687793257 | 0.004418922967352059 | 2666691.6120596956 | 0.004121498448220112 | 5186298.369157706 | 0.00815975125002752 | 2516506.773819519 | 0.004124053594330549 | 1715626.178452622 | 0.003297691620445056 313815230.11632574 | 0.4706602822139569 | 325911909.37134874 | 0.4806049871691585 | 329305824.34635836 | 0.4755208592109298 | 335657825.8888242 | 0.4753378807344419 | 307941471.34546477 | 0.4759381589356947 | 305700376.6480354 | 0.4809671277923036 | 288882201.801312 | 0.4734204155821069 | 255742274.3600575 | 0.49157512618009525 Bons B.R.H. | 20750000 | 0.03112086322999508 | 26950000 | 0.03974173398324877 | 32299849.57143 | 0.046641301443959796 | 21100000 | 0.029880516734380306 | 22050000 | 0.03407932149794421 | 2550000 | 0.0040119877813642735 | 800000 | 0.0013110407290725843 | 6100000 | 0.011725117707668715 Bons du Trésor / M.E.F. | 34923000 | 0.05237753766655991 | 34481000 | 0.0508472997950427 | 34974000 | 0.050502801045361985 | 40387098 | 0.057193713632325 | 29187800 | 0 | 34695000 | 0.054586633754679786 | 39965000 | 0.06549467842173229 | 26448000 | 0 Autres Placements | 136879738.01152942 | 0.205292318342861 | 137462767.4951296 | 0.20270904409620094 | 145936805.44891912 | 0.21073418684687084 | 154132326.10016677 | 0.21827268006374387 | 133373223.2076677 | 0 | 119404246.9386284 | 0.18786210971010964 | 98211221.35814014 | 0.16094863906560625 | 73660588.35018319 | 0.14158673259377522 Portefeuille net | 117701999.50510453 | 0.17652953390338827 | 113734519.5831539 | 0.16771825684550276 | 110542267.7322296 | 0.15962412518968175 | 114870238.09416924 | 0.1626721360973969 | 114560795.10082863 | 0.17705914590935376 | 135169297.92840332 | 0.2126657143938593 | 149514259.56654975 | 0.24502410483609624 | 130451178.69862218 | 0.2507467910402411 Immobilisations | 21887939.36028 | 0.03282754540808192 | 21505540.39845176 | 0.03171307850394358 | 21574953.735579997 | 0.031154446047660718 | 21558451.305379998 | 0.03052974715629052 | 21741390.174654238 | 0.033602350366180825 | 20312732.77762 | 0.031958602239187846 | 13969149.919549998 | 0.022892655618813824 | 13364270.80568 | 0.025688139061271903 Autres actifs | 20797376.966898624 | 0.031191919235156722 | 18082701.416826382 | 0.02666559960690277 | 17882343.346598648 | 0.025822280215535086 | 18439813.965266068 | 0.026113325581421442 | 18165244.007900625 | 0.02807524674076417 | 17763501.7655586 | 0.02794782432849561 | 18860415.278439935 | 0.030908465746571998 | 14484328.511251023 | 0.027841058477206592 666755283.9601384 | 1 | 678128438.2649103 | 1 | 692516044.1811157 | 1 | 706145753.3538064 | 1 | 647019923.8365159 | 1 | 635595156.0582457 | 1 | 610202247.9239918 | 1 | 520250640.72579384 | 1 PASSIF Dépôts À vue | 255784280.68752494 | 0.3836254272606812 | 262526167.97944304 | 0.3871334000549427 | 264990963.72407895 | 0.38264956595687927 | 273639372.5445665 | 0.38751117774896904 | 251711360.93031842 | 0.3890318545954374 | 246243311.19638354 | 0.3874216297108122 | 235389690.5992665 | 0.38575683947429046 | 199297602.0034321 | 0.38307997415513995 Épargne | 186743588.47272012 | 0.2800781530572534 | 194225182.78995436 | 0.2864135639067248 | 201238724.91614404 | 0.29059070415343835 | 203168013.11443534 | 0.2877139912680892 | 178713229.5811379 | 0.2762097780875969 | 179397064.5722362 | 0.28225052199075656 | 172001839.97756577 | 0.2818767721075172 | 142185080.04202008 | 0.2733011147158989 À terme | 99525189.08036487 | 0.1492679420390089 | 98035326.88185132 | 0.14456749097956853 | 98012364.58222623 | 0.14153082142396223 | 103350154.88177226 | 0.14635810580310865 | 98971222.94691056 | 0.15296472226088337 | 92868726.69119021 | 0.14611301833565227 | 92789767.88995776 | 0.1520639561811576 | 82361597.48178053 | 0.15831138115827997 542053058.2406099 | 0.8129715223569435 | 554786677.6512487 | 0.8181144549412359 | 564242053.2224493 | 0.81477109153428 | 580157540.5407741 | 0.8215832748201669 | 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 | 0.0009585204856813246 | 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 | 0.05094994778759041 | 38407736.77721021 | 0.05546115082810316 | 34961945.18026614 | 0.049510947299783385 | 32510438.066354174 | 0.05024642498423073 | 30219354.27590774 | 0.04754497259437649 | 23499078.640548505 | 0.03851031149179838 | 16706015.800396381 | 0.03211147568620015 36877528.740483165 | 0.05530894111772478 | 35200608.52287741 | 0.05190846827327174 | 38407736.77721021 | 0.05546115082810316 | 34961945.18026614 | 0.049510947299783385 | 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 | 0.011831021716664595 | 7246089.71915 | 0.01046342504269101 | 7397954.87062 | 0.010476526744632758 | 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 | 0.0168211782404334 | 12097544.986796087 | 0.017468974312502977 | 12506992.904218733 | 0.01771163084224093 | 12635281.603249872 | 0.01952842739112074 | 14954322.56368471 | 0.02352806251140514 | 11958973.941621 | 0.01959837739422854 | 9884033.189100828 | 0.018998598781755967 19792798.696163006 | 0.029685252104198256 | 19429871.609760795 | 0.028652199957097994 | 19343634.705946088 | 0.027932399355193985 | 19904947.774838734 | 0.02818815758687369 | 20583980.233109873 | 0.031813518370588656 | 25240072.33924471 | 0.03971092620619613 | 30803953.450801 | 0.050481546988070114 | 30568393.484490827 | 0.05875705110491612 Autres passifs | 10525030.015317006 | 0.01578544672762764 | 10756090.496350313 | 0.015861435517836895 | 12205012.015192714 | 0.01762415776175245 | 10597232.09371972 | 0.015007145540971762 | 10071700.244302323 | 0.015566290732721182 | 9971855.791954419 | 0.015689005331312816 | 9575720.884249331 | 0.015692700111852267 | 8776658.558348682 | 0.01687005814371415 609248415.6925731 | 0.9137511623064942 | 620173248.2802372 | 0.9145365586894425 | 634198436.7207984 | 0.9157887994793296 | 645621665.5895987 | 0.9142895252477957 | 593611932.0021331 | 0.9174554138646934 | 584590384.8669169 | 0.919752737721219 | 565060051.4423889 | 0.9260209272660268 | 480195347.37046856 | 0.9230077000973133 AVOIR DES ACTIONNAIRES Capital versé | 21878488.76157 | 0.03281337139411105 | 21745155.76157 | 0.03206642655660943 | 21738780.76157 | 0.031391013889469674 | 21760625 | 0.030816053055122014 | 21883113.76157 | 0.03382139089599234 | 21883542.76157 | 0.034430002420541735 | 15622705.26157 | 0.025602503620268537 | 14416211.26157 | 0.02771012687549632 Réserves | 9151922.4443 | 0.013726059117136508 | 9906692.581990002 | 0.014608873515668665 | 9909965.610270001 | 0.0143100881106492 | 9107922.27756 | 0.012898076968249609 | 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 | 0.004739903383589335 | 3214263.27904 | 0.004641427886108823 | 3448488.18618 | 0.004883535969453284 | 1253740.31161 | 0.0019377151543895665 | 1439440.03257 | 0 | 1304377.70404 | 0 | 1449316.57601 | 0.002785804499900433 BNR | 23262193.814492926 | 0.034888653114721536 | 23089078.36070727 | 0.03404823785267584 | 23454597.771482535 | 0.03386867057963553 | 26207052.300543156 | 0.03711280875948624 | 21139443.618803572 | 0.032672013395595105 | 19927809.1682 | 0.03135299093810876 | 19954887.486337997 | 0.03270208779831244 | 17094789.33804 | 0.03285875691415068 57506868.29940292 | 0.08624883774125582 | 57955189.98330727 | 0.08546344130854328 | 58317607.422362536 | 0.08421120046586324 | 60524087.76428315 | 0.08571047475231114 | 53407991.84212357 | 0.08254458614727032 | 51004771.18639 | 0.08024726227101067 | 45142196.479417995 | 0.07397907273039252 | 40055293.35762 | 0.07699229990709759 666755283.991976 | 1.00000000004775 | 678128438.2635444 | 0.9999999999979858 | 692516044.1431609 | 0.9999999999451928 | 706145753.3538818 | 1.0000000000001068 | 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) Septembre 25 | Septembre 24 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 8511679.207066964 | 16364470.15132 | 24876149.358386964 | 0.3421622488448865 | 9944202.068657966 | 25244433.15066 | 35188635.219317965 | 0.282596980720604 Avoirs à la BRH | 171406440.94026208 | 104514262.97969 | 275920703.9199521 | 0.6212163078200509 | 160354066.08053175 | 76042954.88975999 | 236397020.97029173 | 0.6783252404042927 Avoirs à l'étranger | 31158897.078470916 | 0 | 31158897.078470916 | 1 | 33094427.525763053 | 0 | 33094427.525763053 | 1 Avoirs dans les banques locales | 369629.00575098407 | 212042.8384699991 | 581671.8442209831 | 0.6354596830211335 | 443529.70036231744 | 151166.317670002 | 594696.0180323194 | 0.7458090972760025 Autres liquidités | 1735470.696493257 | 1384932.9912999999 | 3120403.6877932567 | 0.5561686467947288 | 1351027.183069696 | 1315664.42899 | 2666691.6120596956 | 0.5066304543652093 213182116.9280442 | 122475708.96078 | 335657825.8888242 | 0.6351173739612253 | 205187252.5583848 | 102754218.78708 | 307941471.3454648 | 0.6663189977688813 Bons B.R.H. | 0 | 21100000 | 21100000 | 0 | 0 | 17400000 | 17400000 | 0 Bons du Trésor / M.E.F. | 0 | 40387098 | 40387098 | 0 | 0 | 29187800 | 29187800 | 0 Autres Placements | 112380243.50917457 | 41752082.59099221 | 154132326.1001668 | 0.729115341035867 | 103625482.93449041 | 34397740.273177266 | 138023223.20766768 | 0.750782951783245 Portefeuille net | 70345201.4169151 | 44525036.67725414 | 114870238.09416924 | 0.6123884008949904 | 69011223.72943312 | 45549571.37139551 | 114560795.10082863 | 0.6023982608421504 Immobilisations | 0 | 21558451.305379994 | 21558451.305379994 | 0 | 0 | 21741390.174654238 | 21741390.174654238 | 0 Autres actifs | 5143564.500849012 | 13296249.464417057 | 18439813.96526607 | 0.2789379822669374 | 4998015.5599793475 | 13167228.34792128 | 18165243.907900628 | 0.27514167083688623 401051126.3549829 | 305094626.99882334 | 706145753.3538063 | 0.5679438337626607 | 382821974.78228766 | 264197948.9542283 | 647019923.736516 | 0.591669530934233 PASSIF Dépôts À vue | 173408064.7873165 | 100231307.75725 | 273639372.5445665 | 0.6337102120020183 | 166327213.6425284 | 85384147.28778999 | 251711360.93031842 | 0.6607854847226104 Épargne | 124658304.92039534 | 78509708.19404 | 203168013.11443534 | 0.6135724960315528 | 112818622.8998979 | 65894606.68123999 | 178713229.5811379 | 0.6312829954688773 À terme | 75096929.62087226 | 28253225.260900002 | 103350154.88177226 | 0.726626193320945 | 75926619.16871054 | 23044603.778200004 | 98971222.94691055 | 0.7671585427355846 373163299.3285841 | 206994241.21219 | 580157540.5407741 | 0.6432102890203799 | 355072455.7111369 | 174323357.74722996 | 529395813.4583669 | 0.6707126250046568 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 1050000 | 1050000 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 17209942.233356178 | 17752002.877819955 | 34961945.11117613 | 0.4922478477278643 | 15370101.79962997 | 17140336.2667242 | 32510438.06635417 | 0.47277436767414266 17209942.233356178 | 17752002.877819955 | 34961945.11117613 | 0.4922478477278643 | 15370101.79962997 | 18190336.2667242 | 33560438.06635417 | 0.45798275246708353 Obligations à terme Banques locales | 0 | 7397954.87062 | 7397954.87062 | 0 | 0 | 7948698.62986 | 7948698.62986 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 5343372.041654408 | 7163620.862564327 | 12506992.904218735 | 0.4272307566315189 | 6425170.16785755 | 6210111.435392322 | 12635281.603249872 | 0.5085102469109163 5343372.041654408 | 14561575.733184326 | 19904947.774838734 | 0.26844441402698926 | 6425170.16785755 | 14158810.065252323 | 20583980.233109873 | 0.3121442060813144 Autres passifs | 4822465.240850605 | 5774766.852869116 | 10597232.09371972 | 0.45506837995070065 | 5444342.064804662 | 4627358.179497663 | 10071700.244302325 | 0.5405583896209171 400539078.8444453 | 245082586.67606342 | 645621665.5205086 | 0.6203928712979689 | 382312069.74342906 | 211299862.25870416 | 593611932.0021331 | 0.6440437752893 AVOIR DES ACTIONNAIRES Capital versé | 0 | 21760625 | 21760625 | 0 | 0 | 21883113.76157 | 21883113.76157 | 0 Réserves | 0 | 9107922.27756 | 9107922.27756 | 0 | 0 | 9131694.150139999 | 9131694.150139999 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 3448488.18618 | 3448488.18618 | 0 | 0 | 1253740.31161 | 1253740.31161 | 0 BNR | 0 | 26207052.30054315 | 26207052.30054315 | 0 | 0 | 21139443.618803572 | 21139443.618803572 | 0 0 | 60524087.76428315 | 60524087.76428315 | 0 | 0 | 53407991.84212357 | 53407991.84212357 | 0 400539078.8444453 | 305606674.4403466 | 706145753.284792 | 0.5672187037608736 | 382312069.74342906 | 264707854.10082772 | 647019923.8442568 | 0.5908814483979551 *Converties au taux de 130.6911 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 | -0.014832972498423016 | 3131491.9584099995 | 0.23084571208576404 | 3854383.4494399996 | 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 | -0.032435781468455674 | 804226.3269600002 | 0.03712483621726131 | 834083.0976299999 | 177151.97251999998 | 0.2546270216376367 | 222259.65166000003 | 0.6805110719842832 | 373509.80547 | 0.4914052274719789 | 557054.47639 Autres | 2251517.613481733 | 0.02371076232382629 | 2304902.812482907 | 0.03854442430712945 | 2393743.964473944 | 0.04704965897101522 | 2506368.801666369 | 2327711.51646864 | 0.049744822527995516 | 2443503.1127517438 | 0.003211635300753878 | 2451350.7536061592 | -0.04295342450062041 | 2346056.844086598 6416343.852471733 | -0.01583672627514839 | 6314729.971192907 | 0.0023330021581673744 | 6329462.249843944 | 0.13672142509638327 | 7194835.348736368 | 6789385.68040864 | -0.04883755437604465 | 6457808.688061744 | 0.02107903706253511 | 6593933.076740159 | -0.007092297072871859 | 6547166.944481282 Dépenses d'intérêt | 1053655.32644 | -0.018203132788027713 | 1034475.49862 | -0.016928494346816602 | 1016963.385989691 | 0.0172549700137257 | 1034511.0587200001 | 1045951.56074 | -0.06610676039156639 | 976807.0915329759 | 0.06248377024089572 | 1037841.68141 | 0.03700346658640079 | 1076245.421390029 5362688.526031733 | -0.015371777245437935 | 5280254.472572907 | 0.006106597977205851 | 5312498.863854253 | 0.15959070258454838 | 6160324.290016368 | 5743434.11966864 | -0.04569261484886891 | 5481001.596528769 | 0.013700014035563568 | 5556091.395330159 | -0.015329098493680388 | 5470921.523091253 AUTRES REVENUS Commissions | 1843099.8900233335 | -0.088369885018455 | 1680225.3646644445 | 0.16419741179950267 | 1956114.0207822218 | 0.20220031671753544 | 2351640.8953199987 | 1961211.5126999998 | -0.18687093910408914 | 1594718.0755399996 | 0.09118497920893187 | 1740132.4101022223 | 0.294952789411815 | 2253389.318407777 Gains sur change | 895146.8119799999 | 0.11708774814217593 | 999957.5364513858 | -0.1690914002512105 | 830873.3164210701 | 0.176160904328575 | 977240.7112242881 | 1186051.5796605824 | -0.1657552545696512 | 989457.2981412056 | -0.014266138053164687 | 975341.5637282118 | -0.08479074985891405 | 892641.6211711309 Autres | 813608.4956854434 | 0.4604694273813554 | 1188250.3338063254 | -0.19234263439179689 | 959699.1342850848 | 0.6713283631857228 | 1603972.3832554459 | 721626.1488292546 | 0.16069209373973947 | 837585.7655819723 | -0.5291013382417191 | 394418.0161203359 | 2.5689454903186966 | 1407656.3999331198 3551855.1976887765 | 0.08913033319584067 | 3868433.2349221557 | -0.031471853342255905 | 3746686.471488377 | 0.3165910805021666 | 4932853.989799732 | 3868889.2411898365 | -0.11557014792937034 | 3421761.1392631778 | -0.09114287544324727 | 3109891.98995077 | 0.4642590013501122 | 4553687.339512028 PRODUIT NET BANCAIRE | 8914543.72372051 | 0.02626539181714096 | 9148687.707495064 | -0.009783083105909056 | 9059185.33534263 | 0.22452272132442705 | 11093178.2798161 | 9612323.360858478 | -0.07381780641669558 | 8902762.735791946 | -0.026596165430657587 | 8665983.38528093 | 0.15677683846359095 | 10024608.86260328 Dotation à la provision pour créances douteuses | 463140.4115434877 | -0.2770619247705262 | 334821.83768223535 | 0.24490672954641282 | 416821.9589297115 | 0.3765953032325293 | 573795.1509468231 | 979920.3727152854 | -0.16511045132223182 | 818125.277716415 | 0.09187698496103694 | 893292.1615534102 | -0.20528468789160723 | 709912.9589728992 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 8451403.312177021 | 0.04288785474402342 | 8813865.869812828 | -0.019458259965958707 | 8642363.376412919 | 0.2171882470921316 | 10519383.128869276 | 8632402.988143193 | -0.06345458278766997 | 8084637.458075531 | -0.03858506160179345 | 7772691.22372752 | 0.19838748710300222 | 9314695.903630381 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 3211311.9183199997 | -0.007004432435129907 | 3188818.50096 | -0.08324403825745659 | 2923368.3716700003 | 0.10952808949187878 | 3243559.3243 | 2923114.28958 | 0.0017817332078206784 | 2928322.49938 | 0.019700847666954367 | 2986012.9348600004 | -0.0640179256520745 | 2794854.5808 Frais de locaux | 381504.11469 | 0.020560334837734808 | 389347.96703 | -0.0165195713979532 | 382916.10549 | 0.03936898040329462 | 397991.1221431417 | 354660.94539999997 | 0.06471393049526342 | 377612.44917 | 0.07498431275832397 | 405927.45915999997 | 0.4738973127706952 | 598295.3912357601 Amortissement | 423939.87699 | -0.048011457578641815 | 403585.90557 | -0.03259981649115862 | 390429.07910999993 | 0.08473804944400389 | 423513.27772 | 401527.75710999995 | 0.025931737334780457 | 411940.06944 | 0.009654415957657415 | 415917.11022000003 | 0.01997051017114068 | 424223.1871 Autres dépenses d'exploitation | 2528773.8576871324 | -0.03135395927040711 | 2449486.78514914 | -0.05244262551767102 | 2321029.2669650796 | 0.30260079537620116 | 3023374.5692401538 | 2585481.361933655 | 0.004115518501245664 | 2596121.958313319 | 0.002826152142294562 | 2603458.993947464 | 0.13575882274189194 | 2956901.522022562 6545529.767687133 | -0.01746086459528511 | 6431239.15870914 | -0.06429497104210563 | 6017742.82323508 | 0.17792310200332237 | 7088438.293403296 | 6264784.354023656 | 0.007855437553577573 | 6313996.9763033185 | 0.015413298778791022 | 6411316.498187465 | 0.05661211438765637 | 6774274.681158322 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1905873.5444898885 | 0.25014942255332245 | 2382626.711103688 | 0.10156599057099212 | 2624620.553177839 | 0.30721556352664386 | 3430944.8354659807 | 2367618.6341195367 | -0.2521428678353543 | 1770640.4817722123 | -0.23113995215026842 | 1361374.725540055 | 0.8660705056532314 | 2540421.2224720595 Impôts sur le revenu | 294962.86473696714 | 0.3979040749716101 | 412329.7905811062 | -0.002077613730885003 | 411473.12854654196 | 0.5126783429144192 | 622426.4902435949 | 483383.99535077263 | -0.456650113465804 | 262646.63902628864 | 0.2585865477456239 | 330563.5266890877 | 0.35781469216145 | 448844.01323114685 0 BÉNÉFICE NET | 1610910.6797529212 | 0.2230950761495868 | 1970296.9205225818 | 0.12325579032235613 | 2213147.424631297 | 0.2690154817365026 | 2808518.3452223856 | 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- sept. 25) | 2024 (oct.23-sept. 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 | 3131491.9584099995 | -0.16916112817302884 | 3769072.517664 | 3854383.4494399996 | 0.057718061176073136 | 3644055.624004684 | 13570671.917639997 | -0.1238903789519971 | 15489696.256738683 | 15489696.256738683 Intérêts sur Bons B.R.H. | 758670.37692 | 3.282596271031349 | 177151.97251999998 | 831186.51099 | 2.7397094109618285 | 222259.65166000003 | 804226.3269600002 | 1.1531598774174483 | 373509.80547 | 834083.0976299999 | 0.497309747935764 | 557054.47639 | 3228166.3125 | 1.4272366874012457 | 1329975.90604 | 1329975.90604 Autres | 2251517.613481733 | -0.03273339606211183 | 2327711.51646864 | 2304902.812482907 | -0.056721965912600154 | 2443503.1127517438 | 2393743.964473944 | -0.0235000189375063 | 2451350.7536061592 | 2506368.801666369 | 0.06833251205479043 | 2346056.844086598 | 9456533.192104954 | -0.011714229295511334 | 9568622.226913141 | 9568622.226913141 6416343.852471733 | -0.05494485738427731 | 6789385.68040864 | 6314729.971192907 | -0.022155923747530715 | 6457808.688061744 | 6329462.249843944 | -0.040108206106781 | 6593933.076740159 | 7194835.348736368 | 0.09892345952794396 | 6547166.944481282 | 26255371.42224495 | -0.005037194351552914 | 26388294.389691822 | 26388294.389691822 Dépenses d'intérêt | 1053655.32644 | 0.007365317849470633 | 1045951.56074 | 1034475.49862 | 0.059037662182121094 | 976807.0915329759 | 1016963.385989691 | -0.020117033064179817 | 1037841.68141 | 1034511.0587200001 | -0.03877773771722684 | 1076245.421390029 | 4139605.269769691 | 0.0006670576714886075 | 4136845.7550730044 | 4136845.7550730044 5362688.526031733 | -0.06629232366974103 | 5743434.11966864 | 5280254.472572907 | -0.03662599260744587 | 5481001.596528769 | 5312498.863854253 | -0.043842427012745586 | 5556091.395330159 | 6160324.290016368 | 0.12601218350790372 | 5470921.523091253 | 22115766.15247526 | -0.006097692081605135 | 22251448.63461882 | 22251448.63461882 AUTRES REVENUS Commissions | 1843099.8900233335 | -0.06022380651542377 | 1961211.5126999998 | 1680225.3646644445 | 0.05361906310335797 | 1594718.0755399996 | 1956114.0207822218 | 0.12411791736429519 | 1740132.4101022223 | 2351640.8953199987 | 0.04360168751560654 | 2253389.318407777 | 7831080.170789998 | 0.037304546015833974 | 7549451.316749999 | 7549451.316749999 Gains sur change | 895146.8119799999 | -0.2452715992029891 | 1186051.5796605824 | 999957.5364513858 | 0.010612118713870727 | 989457.2981412056 | 830873.3164210701 | -0.1481206714444901 | 975341.5637282118 | 977240.7112242881 | 0.09477385777974882 | 892641.6211711309 | 3703218.376076744 | -0.08415342019914278 | 4043492.0627011308 | 4043492.0627011308 Autres | 813608.4956854434 | 0.127465373871801 | 721626.1488292546 | 1188250.3338063254 | 0.41866108837308613 | 837585.7655819723 | 959699.1342850848 | 1.4332030867278718 | 394418.0161203359 | 1603972.3832554459 | 0.13946299916062854 | 1407656.3999331198 | 4565530.347032299 | 0.3582687989574323 | 3361286.3304646825 | 3361286.3304646825 3551855.1976887765 | -0.081944460990452 | 3868889.2411898365 | 3868433.2349221557 | 0.13053865465172762 | 3421761.1392631778 | 3746686.471488377 | 0.20476417946196504 | 3109891.98995077 | 4932853.989799732 | 0.08326585073105523 | 4553687.339512028 | 16099828.89389904 | 0.07660703401015742 | 14954229.709915813 | 14954229.709915813 PRODUIT NET BANCAIRE | 8914543.72372051 | -0.07259219347315521 | 9612323.360858478 | 9148687.707495064 | 0.02762344442971853 | 8902762.735791946 | 9059185.33534263 | 0.04537303299352617 | 8665983.38528093 | 11093178.2798161 | 0.10659462447448786 | 10024608.86260328 | 38215595.0463743 | 0.02714415505309597 | 37205678.344534636 | 37205678.344534636 Dotation à la provision pour créances douteuses | 463140.4115434877 | -0.5273693409800629 | 979920.3727152854 | 334821.83768223535 | -0.5907450279292141 | 818125.277716415 | 416821.9589297115 | -0.5333867497450445 | 893292.1615534102 | 573795.1509468231 | -0.19173872839708572 | 709912.9589728992 | 1788579.3591022575 | -0.4741406971887348 | 3401250.77095801 | 3401250.77095801 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 8451403.312177021 | -0.020967472929007004 | 8632402.988143193 | 8813865.869812828 | 0.09019927183115549 | 8084637.458075531 | 8642363.376412919 | 0.11188816429894585 | 7772691.22372752 | 10519383.128869276 | 0.12933188991917288 | 9314695.903630381 | 36427015.68727204 | 0.07758120169280339 | 33804427.57357663 | 33804427.57357663 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 3211311.9183199997 | 0.09859266528419199 | 2923114.28958 | 3188818.50096 | 0.08895741559720745 | 2928322.49938 | 2923368.3716700003 | -0.020979334167866633 | 2986012.9348600004 | 3243559.3243 | 0.1605467227463271 | 2794854.5808 | 12567058.11525 | 0.08035843854761805 | 11632304.304620001 | 11632304.304620001 Frais de locaux | 381504.11469 | 0.07568684863151569 | 354660.94539999997 | 389347.96703 | 0.031078206997134056 | 377612.44917 | 382916.10549 | -0.05668833962998756 | 405927.45915999997 | 397991.1221431417 | -0.33479159630311756 | 598295.3912357601 | 1551759.3093531418 | -0.10638487480072889 | 1736496.24496576 | 1736496.24496576 Amortissement | 423939.87699 | 0.05581711222484724 | 401527.75710999995 | 403585.90557 | -0.0202800467586385 | 411940.06944 | 390429.07910999993 | -0.06128151615719335 | 415917.11022000003 | 423513.27772 | -0.0016734337056230376 | 424223.1871 | 1641468.1393900001 | -0.007341512360007167 | 1653608.12387 | 1653608.12387 Autres dépenses d'exploitation | 2528773.8576871324 | -0.021933054742313714 | 2585481.361933655 | 2449486.78514914 | -0.05648239008750069 | 2596121.958313319 | 2321029.2669650796 | -0.1084824948804566 | 2603458.993947464 | 3023374.5692401538 | 0.022480642903563178 | 2956901.522022562 | 10322664.479041506 | -0.039033771065380925 | 10741963.836217001 | 10741963.836217001 6545529.767687133 | 0.04481326056868399 | 6264784.354023656 | 6431239.15870914 | 0.018568615545087465 | 6313996.9763033185 | 6017742.82323508 | -0.06138734143972642 | 6411316.498187465 | 7088438.293403296 | 0.04637597780302224 | 6774274.681158322 | 26082950.043034647 | 0.012365041424637126 | 25764372.50967276 | 25764372.50967276 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1905873.5444898885 | -0.195025112142421 | 2367618.6341195367 | 2382626.711103688 | 0.3456298642392645 | 1770640.4817722123 | 2624620.553177839 | 0.9279192598031059 | 1361374.725540055 | 3430944.8354659807 | 0.3505417153330821 | 2540421.2224720595 | 10344065.644237395 | 0.28656651752019335 | 8040055.063903868 | 8040055.063903868 Impôts sur le revenu | 294962.86473696714 | -0.38979596433902564 | 483383.99535077263 | 412329.7905811062 | 0.5699031676542246 | 262646.63902628864 | 411473.12854654196 | 0.244762641141453 | 330563.5266890877 | 622426.4902435949 | 0.3867322987397318 | 448844.01323114685 | 1741192.27410821 | 0.14143745937805907 | 1525438.1742972957 | 1525438.1742972957 BÉNÉFICE NET | 1610910.6797529212 | -0.14505834538443896 | 1884234.6387687642 | 1970296.9205225818 | 0.3065682794399512 | 1507993.8427459237 | 2213147.424631297 | 1.1469959068142312 | 1030811.1988509672 | 2808518.3452223856 | 0.34277536244606016 | 2091577.2092409127 | 8602873.370129185 | 0.32054939160800366 | 6514616.889606573 | 6514616.889606573 Marge nette en % Revenu d'intérêt | 0.8357857136920575 | -0.01015740841423507 | 0.8459431221062925 | 0.8361805645943434 | -0.012559598096020252 | 0.8487401626903637 | 0.8393286276389808 | -0.0032779518740952973 | 0.842606579513076 | 0.8562147695427538 | 0.020598147959156377 | 0.8356166215835974 | 0.8423330143308353 | -0.0008987726887532688 | 0.8432317870195886 Frais d'exploitation en % Produit net bancaire | 0.7342529209061233 | 0.08250785170319253 | 0.6517450692029307 | 0.7029684873209024 | -0.006249220000335787 | 0.7092177073212382 | 0.6642697550030287 | -0.07555586121924684 | 0.7398256162222755 | 0.6389907486027355 | -0.03677373996795541 | 0.6757644885706909 | 0.6825211019580674 | -0.009963853458891059 | 0.6924849554169584 [somfindétvan] SOMMAIRE FINANCIER RÉSULTATS - ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 13570671.917639997 | -0.1238903789519971 | 15489696.256738683 | 15489696.256738683 | -0.13992857537666614 | 18009778.97099925 | 0.24098209778402271 | 14512521.174285 | 0.14894066939830933 | 12631218.966149999 Intérêts sur Bons B.R.H. | 3228166.3125 | 1.4272366874012457 | 1329975.90604 | 1329975.90604 | 1.6212740243992865 | 507377.66966 | -0.32144906587356115 | 747737.0439599999 | 0.24988393343258522 | 598245.1841800001 Autres | 9456533.192104954 | -0.011714229295511334 | 9568622.226913141 | 9568622.226913143 | 0.13512274044143233 | 8429592.57709175 | 0.8803481196219355 | 4482995.722508347 | 0.21377301091073125 | 3693438.2971200002 26255371.42224495 | -0.005037194351552914 | 26388294.389691822 | 26388294.389691826 | -0.02072438584507596 | 26946749.217750996 | 0.3648585637714176 | 19743253.94075335 | 0.1666588519351967 | 16922902.44745 Dépenses d'intérêt | 4139605.269769691 | 0.0006670576714886075 | 4136845.7550730044 | 4136845.7550730053 | 0.08240702010865569 | 3821894.7939359583 | 0.18496613342748142 | 3225319.8518688753 | 0.08196661665972088 | 2980979.0821700003 22115766.15247526 | -0.006097692081605135 | 22251448.63461882 | 22251448.63461882 | -0.03776913675602411 | 23124854.423815038 | 0.3999846651147861 | 16517934.088884473 | 0.18476724165760305 | 13941923.36528 AUTRES REVENUS Commissions | 7831080.170789998 | 0.037304546015833974 | 7549451.316749999 | 7549451.316749999 | -0.011865182771838446 | 7640102.5296600005 | 0.22101637440058797 | 6257166.31639 | 0.21217951411545213 | 5161913.927374 Gains sur change | 3703218.376076744 | -0.08415342019914278 | 4043492.0627011308 | 4043492.062701131 | -0.20861083313328907 | 5109359.885112192 | -0.1136533916917172 | 5764516.767164173 | 0.34233545924766406 | 4294393.57163 Autres | 4565530.347032299 | 0.3582687989574323 | 3361286.3304646825 | 3361286.3304646825 | -0.11173966238884321 | 3784122.9515035637 | -0.05219042046972708 | 3992492.83108 | -0.03200602339378654 | 4124501.729936046 16099828.89389904 | 0.07660703401015742 | 14954229.709915813 | 14954229.709915813 | -0.09552408756913792 | 16533585.366275756 | 0.03243435406294831 | 16014175.914634172 | 0.17917685497773875 | 13580809.228940045 PRODUIT NET BANCAIRE | 38215595.0463743 | 0.02714415505309597 | 37205678.344534636 | 37205678.344534636 | -0.06184714927108687 | 39658439.79009079 | 0.21905525912095372 | 32532110.003518645 | 0.18200872286753245 | 27522732.594220046 Dotation à la provision pour créances douteuses | 1788579.3591022575 | -0.4741406971887348 | 3401250.77095801 | 3401250.77095801 | 0.26684421128219277 | 2684821.6542076245 | 0.08899862951902796 | 2465404.0707043083 | 0.34558569385621807 | 1832216.32183 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 36427015.68727204 | 0.07758120169280339 | 33804427.57357663 | 33804427.57357663 | -0.08571491571799449 | 36973618.13588317 | 0.22971961805535648 | 30066705.932814337 | 0.17034261258219416 | 25690516.272390045 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 12567058.11525 | 0.08035843854761805 | 11632304.304620001 | 11632304.30462 | 0.014452648548123382 | 11466581.82742 | 0.22413691001391725 | 9367074.657760002 | 0.21844878818332833 | 7687704.849479999 Frais de locaux | 1551759.3093531418 | -0.10638487480072889 | 1736496.24496576 | 1736496.24496576 | 0.06249585882709251 | 1634355.7770500001 | 0.23986735871515127 | 1318169.8554784514 | 0.0325115557084071 | 1276663.5377500001 Amortissement | 1641468.1393900001 | -0.007341512360007167 | 1653608.12387 | 1653608.12387 | 0.1851570332448688 | 1395264.9965233284 | 0.11114514375329043 | 1255700.0355600002 | 0.02161948411931887 | 1229126.94509 Autres dépenses d'exploitation | 10322664.479041506 | -0.039033771065380925 | 10741963.836217001 | 10741963.836217001 | 0.03395819551095257 | 10389166.48937497 | 0.360481389191059 | 7636390.010121607 | 0.28913567867358814 | 5923651.1225713715 26082950.043034647 | 0.012365041424637126 | 25764372.50967276 | 25764372.50967276 | 0.03532209693625464 | 24885369.090368297 | 0.2711316249652447 | 19577334.55892006 | 0.21468987166636816 | 16117146.45489137 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 10344065.644237395 | 0.28656651752019335 | 8040055.063903868 | 8040055.063903868 | -0.33488671240712176 | 12088249.04551487 | 0.15242835958690956 | 10489371.373894278 | 0.09568224918265361 | 9573369.817498675 Impôts sur le revenu | 1741192.27410821 | 0.14143745937805907 | 1525438.1742972957 | 1525438.174297296 | -0.2831039730434334 | 2127837.394738017 | 0.5266943923798346 | 1393754.6409803154 | 0.24739744363036792 | 1117330.0443233203 BÉNÉFICE NET | 8602873.370129185 | 0.32054939160800366 | 6514616.889606573 | 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 30 SEPTEMBRE 2025 Actif | 131958310 | 7337053.76989 | 51197766.74434896 | 53164958 | 186323654.66746 | 263882484.33737636 | 693864227.5190753 | 12281525.834730932 | 12281525.834730932 | 0 | 0 | 706145753.3538063 Bons B.R.H. | 17300000 | 1000000 | 300000 | 0 | 0 | 2500000 | 21100000 | 0 | 0 | 0 | 0 | 21100000 Prêts | 13908018 | 180399.81764999987 | 13394763.664238324 | 12086462 | 25633750.89570999 | 44946766.00124 | 110150160.37883832 | 4720077.715330931 | 4720077.715330931 | 0 | 0 | 114870238.09416924 Dépôts | 103662456 | 4458596.83117 | 43272578.06712021 | 42277677 | 155250472.0804651 | 223067375.30544776 | 571989155.284203 | 8168385.256570994 | 8168385.256570994 | 0 | 0 | 580157540.540774 Avoir des Actionnaires | 12187060 | 1440378.3264100002 | 3869256.4372631568 | 5712103 | 13548779.749249998 | 22488770.14051 | 59246347.65343315 | 1277740.1108499994 | 1277740.1108499994 | 0 | 0 | 60524087.76428315 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 Sept. 25/Sept. 24 Actif | 0.11470098157514362 | 0.3452499081121718 | 0.1048301707336433 | 0.017126888329653065 | 0.10321681073885296 | 0.09703752761031054 | 0.09810196188303434 | 0.018209383703329182 | 0.018209383703329182 | 0 | 0 | 0.09138177564409854 Bons B.R.H. | 0.1610738255033557 | 0 | 0 | 0 | -1 | 0 | 0.1164021164021164 | 0 | 0 | 0 | 0 | 0.1164021164021164 Prêts | -0.11984953167550359 | 0.02879966101983289 | 0.08038190502087403 | 0.04470358295602645 | -0.09904214403107348 | 0.09018272789161383 | 0.004790691690414636 | -0.041015321194294456 | -0.041015321194294456 | 0 | 0 | 0.0027011247003677023 Dépôts | 0.11293490019746343 | -0.02846402048276871 | 0.13482312481348713 | 0.04549715515424416 | 0.10275224182380885 | 0.10328891148785305 | 0.10152438654025568 | -0.0021272483548556956 | -0.0021272483548556956 | 0 | 0 | 0.09588615132937608 Avoir des Actionnaires | 0.07180249873775583 | 3.552864307730394 | 0.16725701107595667 | 0.05903396041153258 | 0.13874064109590373 | 0.1102218497802687 | 0.14665030301350254 | 0.15350314970799128 | 0.15350314970799128 | 0 | 0 | 0.1332402825254146 RÉSULTATS TRIM 4 2025 (Juillet.- septembre 2025) Revenus nets d'intérêt | 1321414 | 83494.30692 | 313704.4124963689 | 498742 | 1496233.28589 | 2274651.52613 | 5988239.531436369 | 172084.75858000002 | 172084.75858000002 | 0 | 0 | 6160324.290016369 Autres revenus | 310333 | 11017.04724 | 358117.93639973283 | 761089 | 1326288.22706 | 2131540.50592 | 4898385.716619733 | 34468.27318 | 34468.27318 | 0 | 0 | 4932853.989799732 Dot. à la provision pr créances dout. | 0 | 0 | -36987.71009317697 | 21033 | 401521.4742 | 157501.04441 | 543067.808516823 | 30727.34243 | 30727.34243 | 0 | 0 | 573795.150946823 Frais d'exploitation | 1300192 | 83552.01217999999 | 583546.2215132958 | 832404 | 1669377.5259500002 | 2495578.2429299997 | 6964650.0025732955 | 123788.29083000001 | 123788.29083000001 | 0 | 0 | 7088438.293403296 Bénéfice net | 331555 | 10959.341980000012 | 87675.40685238803 | 305168 | 627143.5127999997 | 1406854.044170001 | 2769355.305802389 | 39163.039420000016 | 39163.039420000016 | 0 | 0 | 2808518.345222389 TRIM 4 2024 (Juillet.-Septembre 2024) Revenus nets d'intérêt | 1416087 | 18183.607190000002 | 304313.17597128206 | 471217 | 1117214.65104 | 1986860.5678400001 | 5313876.002041282 | 144668.52104997096 | 144668.52104997096 | 12377 | 12377 | 5470921.523091253 Autres revenus | 318196 | 6300.16874 | 295751.9123920286 | 783413 | 1082735.8885099995 | 1952001.83005 | 4438398.799692028 | 56356.53982 | 56356.53982 | 58932 | 58932 | 4553687.339512028 Dot. à la provision pr créances dout. | 240000 | 0 | -15357.780477100732 | 16112 | 186906.46989 | 240455.3111 | 668116.0005128994 | 41796.958459999994 | 41796.958459999994 | 0 | 0 | 709912.9589728994 Frais d'exploitation | 1267350 | 55620.949720000004 | 519321.179618322 | 1028134 | 1571591.86773 | 2170147.86986 | 6612165.866928322 | 109531.81423 | 109531.81423 | 52577 | 52577 | 6774274.681158322 Bénéfice net | 226933 | -31137.17379 | 66001.93906654257 | 197187 | 344972.2019299993 | 1237237.27475 | 2041194.241956542 | 37469.96728437095 | 37469.96728437095 | 12913 | 12913 | 2091577.209240913 VARIATION TRIM 4 25 / TRIM 4 24 Revenus nets d'intérêt | -0.06685535563846007 | 3.5917350747610377 | 0.030860433483080957 | 0.05841257849356029 | 0.3392531905101466 | 0.14484708335767602 | 0.126906147064033 | 0.18951073344116806 | 0.18951073344116806 | 0 | 0 | 0.1260121835079039 Autres revenus | -0.024711184301499704 | 0.7486908199858786 | 0.2108727666485418 | -0.028495825318191042 | 0.22494159576179149 | 0.09197669444059951 | 0.10363803202173319 | -0.3883891152634644 | -0.3883891152634644 | 0 | 0 | 0.08326585073105523 Dot. à la provision pr créances dout. | 0 | 0 | -1.4084020570763862 | 0.30542452830188677 | 1.148248128790337 | -0.34498829038341 | -0.18716539029162504 | -0.2648426210388897 | -0.2648426210388897 | 0 | 0 | -0.191738728397086 Frais d'exploitation | 0.025913914861719334 | 0.5021680248289004 | 0.12367113920171008 | -0.19037401739461976 | 0.06222077132610851 | 0.1499576953210077 | 0.05330842310051117 | 0.13015831701704123 | 0.13015831701704123 | 0 | 0 | 0.04637597780302224 Bénéfice net | 0.46102594157747 | 1.35196970842356 | 0.3283762279164928 | 0.5476070937739304 | 0.8179537634955808 | 0.13709316141826897 | 0.35673286200723564 | 0.045184777525419995 | 0.045184777525419995 | 0 | 0 | 0.3427753624460616 RÉSULTATS CUMUL 2025 (Octobre 2024 - Septembre 2025) Revenus nets d'intérêt | 5161946 | 284985.72797999997 | 1234217.804324953 | 1795086 | 4730225.2917 | 8367649.057989999 | 21574109.88199495 | 535695.2704803089 | 535695.2704803089 | 5961 | 5961 | 22115766.15247526 Autres revenus | 1095175 | 33367.631969999995 | 1265594.5199890423 | 2515010 | 4214266.994279999 | 6754226.218150001 | 15877640.364389043 | 185985.52951000002 | 185985.52951000002 | 36203 | 36203 | 16099828.893899044 Dot. à la provision pr créances dout. | 200000 | 0 | -110177.50237774235 | 50889 | 930811.85158 | 639125.62593 | 1710648.9751322577 | 77930.38397 | 77930.38397 | 0 | 0 | 1788579.3591022578 Frais d'exploitation | 4511739 | 293187.85961000004 | 2180194.693814648 | 3239698 | 5906536.04697 | 9434272.57187 | 25565628.172264647 | 426626.87077000004 | 426626.87077000004 | 90695 | 90695 | 26082950.043034647 Bénéfice net | 1545382 | 25165.50033999991 | 301044.49901887984 | 857697 | 1712388.58743 | 4050050.5193000017 | 8491728.10608888 | 159676.26404030895 | 159676.26404030895 | -48531 | -48531 | 8602873.370129189 CUMUL 2024 (Octobre 2023 - Septembre 2024) Revenus nets d'intérêt | 5791856 | 132533.01242 | 1221438.2260578251 | 1930790 | 4436446.069990001 | 8163338.852434 | 21676402.160901822 | 502659.4737169949 | 502659.4737169949 | 72387 | 72387 | 22251448.63461882 Autres revenus | 1190706 | 82888.25288000001 | 1175521.9048158133 | 2476433 | 3727943.73591 | 5913720.6104 | 14567213.504005812 | 111839.20591 | 111839.20591 | 275177 | 275177 | 14954229.709915811 Dot. à la provision pr créances dout. | 1010000 | 0 | 20201.867648009804 | 174931 | 1061089.0807299998 | 1062153.2719200002 | 3328375.22029801 | 72875.55066 | 72875.55066 | 0 | 0 | 3401250.77095801 Frais d'exploitation | 4557496 | 253962.27715 | 2229152.3168127597 | 3187249 | 5827849.1903099995 | 9094269.6875 | 25149978.47177276 | 397575.03790000005 | 397575.03790000005 | 216819 | 216819 | 25764372.50967276 Bénéfice net | 1415066 | -38541.01184999998 | 128068.99165147296 | 839002 | 924011.534860001 | 3050528.591554001 | 6318136.106215475 | 106346.78339109485 | 106346.78339109485 | 90134 | 90134 | 6514616.88960657 VARIATION CUMUL 2025/ CUMUL 2024 Revenus nets d'intérêt | -0.10875788348329102 | 1.150299934908851 | 0.010462729915022924 | -0.07028418419403457 | 0.0662194957574817 | 0.02502777469479674 | -0.004719061685032645 | 0.06572202154875462 | 0.06572202154875462 | -0.9176509594264164 | -0.9176509594264164 | -0.006097692081605135 Autres revenus | -0.08023055229418513 | -0.5974383484918256 | 0.07662351063321278 | 0.015577647366191615 | 0.130453486646114 | 0.14212805492905256 | 0.08995727700585147 | 0.6629725506068734 | 0.6629725506068734 | -0.8684374057424857 | -0.8684374057424857 | 0.07660703401015781 Dot. à la provision pr créances dout. | -0.801980198019802 | 0 | -6.453827551859867 | -0.7090910130279939 | -0.12277690112537269 | -0.3982736363701208 | -0.4860408271579751 | 0.06936254016910645 | 0.06936254016910645 | 0 | 0 | -0.4741406971887347 Frais d'exploitation | -0.010039942986236302 | 0.15445436582233776 | -0.021962439546576815 | 0.01645588405549739 | 0.013501869058456963 | 0.03738649677800191 | 0.01652684120419402 | 0.07307257775400687 | 0.07307257775400687 | -0.5817017881274242 | -0.5817017881274242 | 0.012365041424637126 Bénéfice net | 0.09209181762546764 | 1.6529538051035866 | 1.3506431583231524 | 0.022282426025206137 | 0.8532112672050657 | 0.3276553219377708 | 0.3440242443867474 | 0.5014677355411178 | 0.5014677355411178 | -1.5384316684048196 | -1.5384316684048196 | 0.32054939160800483 0 | 0 [sysratfinclé sept 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 30 septembre 2025 | 0.0923553810290538 | 0.19631562907730946 | 0.07557471122879071 | 0.10744112691671834 | 0.07271636966026188 | 0.08522267098167033 | 0.08538608174868674 | 0.1040375705791114 | 0.1040375705791114 | 0 | 0 | 0.08571047475231115 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 30 septembre 2025 | 0.7855697454749155 | 0.6076821802052631 | 0.8452044067312076 | 0.7952169735561533 | 0.833230071391351 | 0.8453284645458087 | 0.8243531408577742 | 0.6650953119743163 | 0.6650953119743163 | 0 | 0 | 0.8215832748201669 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 30 septembre 2025 | 0.4853311719102582 | 0.9250315736720122 | 0.0008604077610738926 | 0.008083713119960893 | 0.048277693551566886 | 0.004306066321122609 | 0.10014836393778867 | 0.09071039623039517 | 0.09071039623039517 | 0 | 0 | 0.09976759910115812 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 30 septembre 2025 | 0.5569684566829493 | 0.9323675044596575 | 19.292307629486675 | 3.9664553199920745 | 2.2109606580035774 | 6.568374638558733 | 0.9276585135103884 | 0.8311959289499149 | 0.8311959289499149 | 0 | 0 | 0.9241201309603597 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 30 septembre 2025 | 0.3362816790924144 | 0.05697339300691059 | -0.05540511014435195 | -0.05242097350135318 | -0.1238256672511685 | -0.049317662804162936 | 0.014849141266430558 | 0.0611775140288256 | 0.0611775140288256 | 0 | 0 | 0.01582719186307011 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 4 2025 (juillet -septembre 2025) | 0.010103008914373027 | 0.005966382972443465 | 0.006944384831777844 | 0.02266956827206097 | 0.013686613060238923 | 0.02157151099241643 | 0.016121423924254436 | 0.012833340363767683 | 0.012833340363767683 | 0 | 0 | 0.016064031205669713 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 CUMUL 2025 (octobre 2024-septembre 2025) | 0.012346348082301882 | 0.003934845700018265 | 0.006172884331678029 | 0.01626972934469827 | 0.00964142334831665 | 0.016058136817353116 | 0.012810546452971883 | 0.013118642779800783 | 0.013118642779800783 | -0.031492358572016765 | -0.031492358572016765 | 0.012715181171298953 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 ROE (rendement de l'avoir des actionn.) TRIM 4 2025 (juillet -septembre 2025) | 0.10707623394778921 | 0.03054643849484893 | 0.09485128191539839 | 0.21956431842395 | 0.18862052082193834 | 0.25831202635877765 | 0.19045579585898828 | 0.12450907125949814 | 0.12450907125949814 | 0 | 0 | 0.1890594603728258 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 CUMUL 2025 (octobre 2024-septembre 2025) | 0.1311998409351073 | 0.05744512922654211 | 0.08380872857888874 | 0.15445936108130937 | 0.13458567470724586 | 0.18949876563808726 | 0.15312079710892815 | 0.1338754992864929 | 0.1338754992864929 | -0.15376791756967415 | -0.15376791756967415 | 0.15101757818954845 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 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 2025 (juillet -septembre 2025) | 0.8798627817458705 | 0.8870304204862767 | 0.7149073040928434 | 0.8293264514069261 | 0.8463501343887745 | 0.883940536691413 | 0.8582423774713986 | 0.7911716309837854 | 0.7911716309837854 | 0 | 0 | 0.8562147695427538 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 CUMUL 2025 (octobre 2024-septembre 2025) | 0.8827397436436772 | 0.8504810434401344 | 0.7335497694315912 | 0.7840135289357013 | 0.8199202763945953 | 0.8707467439946813 | 0.8449257098433988 | 0.7485179520444547 | 0.7485179520444547 | 0 | 0 | 0.8423330143308353 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 Rendement moyen des prêts TRIM 4 2025 (juillet -septembre 2025) | 0.08065749912774924 | 0.009571375782773844 | 0.10166004162811479 | 0.15951375146386731 | 0.13402766559196325 | 0.13642723378983376 | 0.12379661870275288 | 0.13079935243479549 | 0.13079935243479549 | 0 | 0 | 0.12408928405684028 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 CUMUL 2025 (octobre 2024-septembre 2025) | 0.07205507855811608 | 0.009910425552433912 | 0.1067567155321497 | 0.1543201959884209 | 0.09672748639105988 | 0.12181341956229337 | 0.1078180812544063 | 0.1067417758283085 | 0.1067417758283085 | 0.01356323497583147 | 0.01356323497583147 | 0.10776864581204332 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 Rendement moyen des prêts productifs TRIM 4 2025 (juillet -septembre 2025) | 0.15954144666056158 | 0.14020387181840321 | 0.10224270386948298 | 0.16158182936022947 | 0.15002820812647297 | 0.13724659285564253 | 0.14087053377013556 | 0.1454538378001096 | 0.1454538378001096 | 0 | 0 | 0.14106635146383475 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 CUMUL 2025 (octobre 2024-septembre 2025) | 0.13545582054140123 | 0.1449499387013058 | 0.10694487290322675 | 0.15597394300143344 | 0.10134472525397784 | 0.12241138654056802 | 0.12006390524999007 | 0.11794512086591799 | 0.11794512086591799 | 0.01356323497583147 | 0.01356323497583147 | 0.11996962402000866 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 Rémunération moyenne des dépôts TRIM 4 2025 (juillet -septembre 2025) | 0.007048629973017876 | 0.00955051229324159 | 0.01187520747323133 | 0.009677293516324128 | 0.007123456719753742 | 0.005426368220900423 | 0.007013733849288837 | 0.02239586634665845 | 0.02239586634665845 | 0 | 0 | 0.0072318170286526035 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 CUMUL 2025 (octobre 2024-septembre 2025) | 0.006968250627598437 | 0.011074922735886538 | 0.011014424912995719 | 0.011957244409654262 | 0.00701878477992364 | 0.005841674442403599 | 0.007256982006170996 | 0.022010185498284717 | 0.022010185498284717 | 0 | 0 | 0.007461750771616962 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 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 2025 (juillet -septembre 2025) | 0.7968097995583874 | 0.8840420595239092 | 0.8686019785917273 | 0.6607267165199142 | 0.591448999871475 | 0.5663798183959133 | 0.6397437078875193 | 0.599305126510238 | 0.599305126510238 | 0 | 0 | 0.6389907486027355 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 CUMUL 2025 (octobre 2024-septembre 2025) | 0.7210566968418862 | 0.9209510452663281 | 0.8721433495664288 | 0.7516533274432866 | 0.6603545352963377 | 0.6238824484127199 | 0.6826283953106581 | 0.591157296654877 | 0.591157296654877 | 2.1510055971919173 | 2.1510055971919173 | 0.6825211019580673 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 Productivité par employé ('000) TRIM 4 2025 (juillet -septembre 2025) | 7576.306442251886 | 2571.7375281632653 | 5748.2126108757375 | 6485.616473616474 | 10788.424320879121 | 11526.990273512101 | 9018.63953447746 | 10943.206980662253 | 10943.206980662253 | 0 | 0 | 9048.269396261094 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 CUMUL 2025 (octobre 2024-septembre 2025) | 7484.594497607655 | 2218.490313240418 | 5375.940482395689 | 5735.324018629408 | 8438.200269792453 | 9854.594510355166 | 7817.920936516855 | 9686.990603896764 | 9686.990603896764 | 7666.181818181818 | 7666.181818181818 | 7846.339194410082 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 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 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 30 juin 2025 | 0.09637252954860351 | 0.19433060887872722 | 0.07078606411630307 | 0.09915958354234825 | 0.0724016826994399 | 0.08175635744056615 | 0.08389234392527055 | 0.1020935638739926 | 0.1020935638739926 | 0 | 0 | 0.08421120046586325 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 30 juin 2025 | 0.7743620146891173 | 0.6046213800923842 | 0.823283644679297 | 0.7807511420498926 | 0.8311039756067652 | 0.8424525611914436 | 0.8174579027689511 | 0.6640872297005789 | 0.6640872297005789 | 0 | 0 | 0.8147710915342798 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 30 juin 2025 | 0.5030773553472412 | 0.9384780706624658 | 0.010659296369868393 | 0.017450730328672 | 0.1662321713291186 | 0.007837792262899717 | 0.143115898417782 | 0.11045659894108742 | 0.11045659894108742 | 0 | 0 | 0.14170186403708213 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 30 juin 2025 | 0.5093825890550449 | 0.9278262060918698 | 1.9557970575746957 | 1.8472724638599765 | 0.5884445177105606 | 4.1228457583161555 | 0.6620083846176017 | 0.61378013553759 | 0.61378013553759 | 0 | 0 | 0.6603806983383876 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 30 juin 2025 | 0.39438751792887256 | 0.06172538810389067 | -0.038393273088229124 | -0.03461166076529494 | 0.14738333271993798 | -0.047839820504948484 | 0.09887627730558447 | 0.18186698984821356 | 0.18186698984821356 | 0 | 0 | 0.10063887351349275 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 3 2025 (avril -juin 2025) | 0.018605020706671447 | 0.004292555343936115 | 0.010379684880422976 | 0.017979249514440524 | 0.00650649495052729 | 0.014204787799657328 | 0.012917408012043913 | 0.012917630078524055 | 0.012917630078524055 | 0 | 0 | 0.012917411935627577 TRIM 3 2024 (avril-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 CUMUL 2025 (octobre 2024-juin 2025) | 0.013001506398838457 | 0.0029568950814599804 | 0.005917973739399771 | 0.013796322478628815 | 0.008288877848440538 | 0.014142198264027269 | 0.011628532670078594 | 0.013283168443707707 | 0.013283168443707707 | -0.041989811429355685 | -0.041989811429355685 | 0.011535049277264406 CUMUL 2024 (octobre 2023-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 ROE (rendement de l'avoir des actionn.) TRIM 3 2025 (avril -juin 2025) | 0.19355142199500064 | 0.022191039506586806 | 0.1452971629350061 | 0.1846758933341558 | 0.09024109622750869 | 0.1689403934045022 | 0.15278595029450376 | 0.1283112936823106 | 0.1283112936823106 | 0 | 0 | 0.15227275675907165 TRIM 3 2024 (avril-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 CUMUL 2025 (octobre 2024-juin 2025) | 0.1351226218448695 | 0.043764484815349246 | 0.08318069571451774 | 0.13641899369977933 | 0.11599879314365756 | 0.1705094659519871 | 0.14032117915297201 | 0.13696934950583867 | 0.13696934950583867 | -0.20502389009289887 | -0.20502389009289887 | 0.13829966902368648 CUMUL 2024 (octobre 2023-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 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 3 2025 (avril -juin 2025) | 0.8831015066907796 | 0.8725235529682916 | 0.7384991979255204 | 0.7851730221485355 | 0.7951724037944936 | 0.8728569997642295 | 0.8416890365515727 | 0.7603636974682588 | 0.7603636974682588 | 0 | 0 | 0.8393286276389808 TRIM 3 2024 (avril-juin 2024) | 0.9002400512561511 | 0.6085503603294993 | 0.7109422383041422 | 0.7754228842499701 | 0.8093266884227364 | 0.8775537016611055 | 0.8452700288113956 | 0.725518995481194 | 0.725518995481194 | 1 | 1 | 0.842606579513076 CUMUL 2025 (octobre 2024-juin 2025) | 0.8837339767743622 | 0.8362034915946354 | 0.7401271116630646 | 0.7678721310912204 | 0.8082428535764106 | 0.8659216135833496 | 0.8399185565625765 | 0.7298948482258333 | 0.7298948482258333 | 0 | 0 | 0.8370930282823825 CUMUL 2024 (octobre 2023-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 Rendement moyen des prêts TRIM 3 2025 (avril -juin 2025) | 0.0686823439366096 | 0.00820212071200514 | 0.1041651376992354 | 0.15208022612035077 | 0.07842336610472915 | 0.11914329699855841 | 0.10111349195260043 | 0.11023609842826679 | 0.11023609842826679 | 0 | 0 | 0.1015005046711805 TRIM 3 2024 (avril-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 CUMUL 2025 (octobre 2024-juin 2025) | 0.06798802348469339 | 0.010066776217594142 | 0.10901777430760012 | 0.14995122158773924 | 0.08715622918713956 | 0.12465778744800045 | 0.10513995980946052 | 0.09694935975122304 | 0.09694935975122304 | 0.018084313301108625 | 0.018084313301108625 | 0.10478631248948571 CUMUL 2024 (octobre 2023-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 Rendement moyen des prêts productifs TRIM 3 2025 (avril -juin 2025) | 0.13762750963635312 | 0.13134255058904115 | 0.10524810871769714 | 0.15483430607354684 | 0.09264798533752479 | 0.12034532082789771 | 0.11758429981824263 | 0.1252051420389643 | 0.1252051420389643 | 0 | 0 | 0.11791498270910987 TRIM 3 2024 (avril-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 CUMUL 2025 (octobre 2024-juin 2025) | 0.13004146150666418 | 0.16329669782835718 | 0.10976327462780892 | 0.15229782377794984 | 0.09703780005327013 | 0.12549361895636799 | 0.11991447805470819 | 0.10830142963200141 | 0.16245214444800213 | 0.018084313301108625 | 0.018084313301108625 | 0.11940355653725672 CUMUL 2024 (octobre 2023-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 Rémunération moyenne des dépôts TRIM 3 2025 (avril -juin 2025) | 0.006889294429601727 | 0.00948671322924105 | 0.011042240669418628 | 0.011421843714575584 | 0.00712332603247317 | 0.005450128152574956 | 0.007057353208189377 | 0.02182960277080342 | 0.02182960277080342 | 0 | 0 | 0.007270329048268008 TRIM 3 2024 (avril-juin 2024) | 0.007108470465229726 | 0.026626537793011978 | 0.01314683999740382 | 0.013595533970458915 | 0.007293447429458357 | 0.005695945323667079 | 0.007732712321519613 | 0.024084704706418568 | 0.024084704706418568 | 0 | 0 | 0.007906007457224494 CUMUL 2025 (octobre 2024-juin 2025) | 0.006935964101527351 | 0.011645333892444876 | 0.010891382627092184 | 0.012589111063829197 | 0.007041018389437419 | 0.0059983200998429175 | 0.00736564783422112 | 0.022091670824235483 | 0.022091670824235483 | 0 | 0 | 0.007571291684723403 CUMUL 2024 (octobre 2023-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 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 3 2025 (avril -juin 2025) | 0.6113272996908915 | 0.9050836300963873 | 0.834816944188368 | 0.7289763968521694 | 0.7219997163899255 | 0.6044347688387534 | 0.6663654712084864 | 0.554416407163841 | 0.554416407163841 | 0 | 0 | 0.6642697550030287 TRIM 3 2024 (avril-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 CUMUL 2025 (octobre 2024-juin 2025) | 0.6943323934453732 | 0.9365348862477239 | 0.873444873206345 | 0.7892081507672284 | 0.6921232848230124 | 0.6475270097935084 | 0.700202922849494 | 0.5878902257208615 | 0.5878902257208615 | 2.1510055971919173 | 2.1510055971919173 | 0.7003251927406221 CUMUL 2024 (octobre 2023-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 Productivité par employé ('000) TRIM 3 2025 (avril -juin 2025) | 8095.10831234257 | 2267.7831058503407 | 5348.252376079414 | 5494.691373801917 | 7622.69804391263 | 9109.427911203915 | 7441.32675971315 | 9044.818934416478 | 9044.818934416478 | 0 | 0 | 7466.105149144025 TRIM 3 2024 (avril-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 CUMUL 2025 (octobre 2024-juin 2025) | 7772.10501995379 | 2079.83280641115 | 5213.518646468146 | 5376.100462656973 | 7625.060903664954 | 9310.901048410993 | 7431.84361402375 | 9281.581409555118 | 9281.581409555118 | 10221.575757575758 | 10221.575757575758 | 7463.25917973603 CUMUL 2024 (octobre 2023-juin 2024) | 8852.252161079485 | 2036.6665532800005 | 5152.387218667606 | 5734.593906321054 | 7177.423906558364 | 8588.053422231258 | 7365.611055690912 | 7500.655215546921 | 7500.655215546921 | 24556 | 24556 | 7420.4393890066485 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 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 | 0.08643038749024651 | 0.08521329478737198 | 0.0992492900969827 | 0.0992492900969827 | 0 | 0 | 0.08546344130854328 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 | 0.8465657768883847 | 0.8208327309496856 | 0.6683072865574338 | 0.6683072865574338 | 0 | 0 | 0.8181144549412359 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 | 0.015557269971154846 | 0.011553331014145922 | 0.021498856957634017 | 0.021498856957634017 | 0 | 0 | 0.011720251426720016 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 | 0.013972863259117486 | 0.010935441216444106 | 0.013485464613215105 | 0.013485464613215105 | -0.06298471714403353 | -0.06298471714403353 | 0.010809982346720494 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 | 0 | 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 | 0 | 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 | 0.12484703299881124 | 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 | 0 | 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 | 0 | 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 [bilsysbansept 25] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 Septembre 2025 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 10148667 | 75491.14732999999 | 2733410.663154679 | 2187090 | 5322658.72748 | 4331604.562382285 | 24798922.100346964 | 77227.25804 | 77227.25804 | 0 | 0 | 24876149.358386964 Avoirs à la BRH | 41968877 | 2093576.05613 | 18612435.05650489 | 21075737 | 76966365.18127 | 113306819.10221717 | 274023809.3961221 | 1896894.5238299998 | 1896894.5238299998 | 0 | 0 | 275920703.9199521 Avoirs à l'étranger | 2328630 | 0 | 1723037.996955 | 7504644 | 5523084.581120001 | 14079500.500395916 | 31158897.078470916 | 0 | 0 | 0 | 0 | 31158897.078470916 Avoirs dans les banques locales | 0 | 0 | 381015.95443098404 | 47228 | 6997.31 | 1098.8933799990862 | 436340.15781098313 | 145331.68641 | 145331.68641 | 0 | 0 | 581671.8442209831 Autres liquidités | 1532116 | 39458.327020000004 | 6836.697098887 | 445585 | 87068.09113 | 979823.03272437 | 3090887.147973257 | 29516.539819999998 | 29516.539819999998 | 0 | 0 | 3120403.687793257 55978290 | 2208525.53048 | 23456736.36814444 | 31260284 | 87906173.891 | 132698846.09109974 | 333508855.8807242 | 2148970.0080999997 | 2148970.0080999997 | 0 | 0 | 335657825.8888242 Bons B.R.H. | 17300000 | 1000000 | 300000 | 0 | 0 | 2500000 | 21100000 | 0 | 0 | 0 | 0 | 21100000 Bons du Trésor / M.E.F. | 22368100 | 2324348 | 0 | 0 | 0 | 15694650 | 40387098 | 0 | 0 | 0 | 0 | 40387098 Autres Placements | 16342723 | 0 | 7700204.0369032435 | 6585064 | 61569204.49118 | 58946195.05155352 | 151143390.57963675 | 2988935.52053 | 2988935.52053 | 0 | 0 | 154132326.10016674 Portefeuille net | 13908018 | 180399.81764999987 | 13394763.664238324 | 12086462 | 25633750.89570999 | 44946766.00124 | 110150160.37883832 | 4720077.715330931 | 4720077.715330931 | 0 | 0 | 114870238.09416924 Immobilisations | 2579631 | 389771.26644 | 4966107.878949999 | 2188386 | 6049936.122009999 | 4707812.262089999 | 20881644.529489994 | 676806.7758899999 | 676806.7758899999 | 0 | 0 | 21558451.305379994 Autres actifs | 3481548 | 1234009.1553200001 | 1379954.7961129488 | 1044762 | 5164589.267559999 | 4388214.931393123 | 16693078.150386073 | 1746735.8148799997 | 1746735.8148799997 | 0 | 0 | 18439813.96526607 131958310 | 7337053.76989 | 51197766.74434896 | 53164958 | 186323654.66746 | 263882484.33737636 | 693864227.5190754 | 12281525.834730932 | 12281525.834730932 | 0 | 0 | 706145753.3538064 PASSIF Dépôts À vue | 46565137 | 1640910.8405900002 | 19492186.903271675 | 19865581 | 74938673.00854316 | 107561834.10319255 | 270064322.8555974 | 3575049.688969085 | 3575049.688969085 | 0 | 0 | 273639372.54456645 Épargne | 43247076 | 658125.63895 | 9618846.655243574 | 12876896 | 53349732.62653852 | 82114904.99502163 | 201865581.91575372 | 1302431.198681619 | 1302431.198681619 | 0 | 0 | 203168013.11443534 À terme | 13850243 | 2159560.3516300004 | 14161544.508604959 | 9535200 | 26962066.445383433 | 33390636.20723359 | 100059250.51285198 | 3290904.36892029 | 3290904.36892029 | 0 | 0 | 103350154.88177228 103662456 | 4458596.83117 | 43272578.06712021 | 42277677 | 155250472.0804651 | 223067375.30544776 | 571989155.284203 | 8168385.256570994 | 8168385.256570994 | 0 | 0 | 580157540.5407741 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 | 5603309 | 358374.98850000004 | 2457377.2633361337 | 3216359 | 11018591.417750001 | 11921639.450000001 | 34575651.11958614 | 386294.06068 | 386294.06068 | 0 | 0 | 34961945.18026614 5603309 | 358374.98850000004 | 2457377.2633361337 | 3216359 | 11018591.417750001 | 11921639.450000001 | 34575651.11958614 | 386294.06068 | 386294.06068 | 0 | 0 | 34961945.18026614 Obligations à terme Banques locales | 1918128 | 0 | 0 | 303288 | 2297588.35685 | 1368880.0102300001 | 5887884.36708 | 1510070.5035400002 | 1510070.5035400002 | 0 | 0 | 7397954.87062 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 7233550 | 1052610.24878 | 665598.3399934702 | -62922 | 589993.9253700003 | 2674519.8245152645 | 12153350.338658735 | 353642.5655599998 | 353642.5655599998 | 0 | 0 | 12506992.904218735 9151678 | 1052610.24878 | 665598.3399934702 | 240366 | 2887582.2822200004 | 4043399.8347452646 | 18041234.705738734 | 1863713.0691 | 1863713.0691 | 0 | 0 | 19904947.774838734 Autres passifs | 1353807 | 27093.375030000003 | 932956.636635982 | 1718453 | 3618229.1358600003 | 2361299.608663739 | 10011838.756189723 | 585393.33753 | 585393.33753 | 0 | 0 | 10597232.093719723 119771250 | 5896675.44348 | 47328510.3070858 | 47452855 | 172774874.9162951 | 241393714.19885674 | 634617879.8657176 | 11003785.723880993 | 11003785.723880993 | 0 | 0 | 645621665.5895987 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 750000 | 2025000 | 3000000 | 12520625 | 21460625 | 300000 | 300000 | 0 | 0 | 21760625 Réserves | 1552351 | 58117.833620000005 | 477378.60000000003 | 801274 | 3134836.8682500003 | 2718249.43779 | 8742207.73966 | 365714.5379 | 365714.5379 | 0 | 0 | 9107922.277560001 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 2014325 | 1432779.18618 | 1384 | 0 | 0 | 3448488.18618 | 0 | 0 | 0 | 0 | 3448488.18618 BNR | 7634709 | -797064.50721 | 1209098.651083157 | 2884445 | 7413942.880999999 | 7249895.7027199995 | 25595026.727593154 | 612025.5729499995 | 612025.5729499995 | 0 | 0 | 26207052.30054315 12187060 | 1440378.3264100002 | 3869256.4372631568 | 5712103 | 13548779.749249998 | 22488770.14051 | 59246347.65343315 | 1277740.1108499994 | 1277740.1108499994 | 0 | 0 | 60524087.76428316 131958310 | 7337053.76989 | 51197766.74434895 | 53164958 | 186323654.6655451 | 263882484.33936673 | 693864227.5191509 | 12281525.834730992 | 12281525.834730992 | 0 | 0 | 706145753.3538818 Hors-bilan Effets à l'encaissement | 1627943 | 0 | 0 | 0 | 2714.254796944 | 4756.251657588001 | 1635413.506454532 | 0 | 0 | 0 | 0 | 1635413.506454532 Crédit documentaire | 0 | 0 | 0 | 0 | 1308559.3611024148 | 1979280.0911606913 | 3287839.452263106 | 0 | 0 | 0 | 0 | 3287839.452263106 Autres | 5891097 | 212052.65643 | 4472032.08873047 | 47681 | 8784287.766926413 | 2910169.29210137 | 22317319.80418825 | 479001.391270802 | 479001.391270802 | 0 | 0 | 22796321.195459053 Portefeuille brut | 19060282 | 1311706.5676499999 | 13620859.736751633 | 12486836 | 28696855.58859999 | 46255036.84023 | 121431576.73323163 | 5104983.860510931 | 5104983.860510931 | 0 | 0 | 126536560.59374256 Provisions pour créances Fouteuses | 5152264 | 1131306.75 | 226096.072513308 | 400374 | 3063104.6928900005 | 1308270.83899 | 11281416.354393307 | 384906.14518 | 384906.14518 | 0 | 0 | 11666322.499573307 Portefeuille de crédit improFuctif | 9250549 | 1213369.990469193 | 11719.493430000002 | 100940 | 1385418 | 199177.25632 | 12161173.740219193 | 463075.108736719 | 463075.108736719 | 0 | 0 | 12624248.84895591 Dépôts US convertis | 40431627 | 2550773.7355700005 | 29803202.981310207 | 29791129 | 105105165.44259512 | 159239659.76946777 | 366921557.9289431 | 6241741.399640994 | 6241741.399640994 | 0 | 0 | 373163299.3285841 Immobilisation /A | 0.2116696725871539 | 0.27060339585327287 | 1.2834786113227168 | 0.3831138899281053 | 0.4465299631389238 | 0.2093405834412266 | 0.35245454541162696 | 0.5296904825502922 | 0.5296904825502922 | 0 | 0 | 0.3561962204096564 Liquidité en % de l'actif | 0.7248227868332051 | 0.7541001748121237 | 0.4640189968982706 | 0.5879866208113999 | 0.4717928813058654 | 0.5718208105778666 | 0.5692698055540918 | 0.1749758162803295 | 0.1749758162803295 | 0 | 0 | 0.5624121111011472 Liquidité en % des dépôts | 0.9226714636203487 | 1.240945019249048 | 0.5490021031632389 | 0.7394040121930068 | 0.5662216205399937 | 0.6764480726259507 | 0.6905654595574691 | 0.2630838214163904 | 0.2630838214163904 | 0 | 0 | 0.6845466897123135 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 132698846.09109974 | BNC | 17300000 | UNIBK | 44946766.00124 | UNIBK | 22488770.14051 SOGEBK | 87906173.891 | UNIBK | 2500000 | SOGEBK | 25633750.89570999 | SOGEBK | 13548779.749249998 BNC | 55978290 | BPH | 1000000 | BNC | 13908018 | BNC | 12187060 CAPITALBK | 31260284 | BUH | 300000 | BUH | 13394763.664238324 | CAPITALBK | 5712103 BUH | 23456736.36814444 | SOGEBK | 0 | CAPITALBK | 12086462 | BUH | 3869256.4372631568 BPH | 2208525.53048 | CAPITALBK | 0 | SOGEBL | 4720077.715330931 | BPH | 1440378.3264100002 SOGEBL | 2148970.0080999997 | CBNA | 0 | BPH | 180399.81764999987 | SOGEBL | 1277740.1108499994 CBNA | 0 | SOGEBL | 0 | CBNA | 0 | CBNA | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbansept 25$] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES CONVERTIES) AU 30 Septembre 2025 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 5669310 | 18998.29598 | 251532.91225467902 | 610403 | 884050.0393299999 | 1062278.739882285 | 8496572.987446964 | 15106.21962 | 15106.21962 | 0 | 0 | 8511679.207066964 Avoirs à la BRH | 14461131 | 862137.11008 | 13508785.963574888 | 13708722 | 49728571.21436 | 77789354.91989717 | 170058702.20791206 | 1347738.73235 | 1347738.73235 | 0 | 0 | 171406440.94026205 Avoirs à l'étranger | 2328630 | 0 | 1723037.996955 | 7504644 | 5523084.581120001 | 14079500.500395916 | 31158897.078470916 | 0 | 0 | 0 | 0 | 31158897.078470916 Avoirs dans les banques locales | 0 | 0 | 288628.60734098405 | 1156 | 0 | 0 | 289784.60734098405 | 79844.39841 | 79844.39841 | 0 | 0 | 369629.00575098407 Autres liquidités | 1037775 | 538.70479 | 2244.5111688869997 | 136591 | 79783.71855 | 453203.63074437 | 1710136.565253257 | 25334.13124 | 25334.13124 | 0 | 0 | 1735470.696493257 23496846 | 881674.11085 | 15774229.991294438 | 21961516 | 56215489.55335999 | 93384337.79091975 | 211714093.4464242 | 1468023.48162 | 1468023.48162 | 0 | 0 | 213182116.92804417 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 | 17104548 | 0 | 5567922.140431037 | 3189261 | 39884844.02835 | 45254150.094933525 | 111000725.26371457 | 1379518.24546 | 1379518.24546 | 0 | 0 | 112380243.50917457 Portefeuille net | 4291385 | 627312.1111599999 | 9592424.455754189 | 7185075 | 15985776.72144999 | 29822534.73142 | 67504508.01978418 | 2840693.3971309313 | 2840693.3971309313 | 0 | 0 | 70345201.41691512 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres actifs | 192536 | 1181331.55041 | 241366.96977589055 | 244187 | 1444691.2287399997 | 671525.495793123 | 3975638.2447190126 | 1167926.2561299999 | 1167926.2561299999 | 0 | 0 | 5143564.500849012 45085315 | 2690317.77242 | 31175943.557255555 | 32580039 | 113530801.53189999 | 169132548.11306643 | 394194964.9746419 | 6856161.380340931 | 6856161.380340931 | 0 | 0 | 401051126.35498285 PASSIF Dépôts À vue | 16820994 | 923264.5811300001 | 12822495.546661673 | 14358707 | 46868228.234593175 | 78720018.13710256 | 170513707.4994874 | 2894357.287829085 | 2894357.287829085 | 0 | 0 | 173408064.78731647 Épargne | 16804238 | 253450.61465 | 5852154.614133574 | 8669388 | 36867108.72396852 | 55244420.55464163 | 123690760.50739372 | 967544.413001619 | 967544.413001619 | 0 | 0 | 124658304.92039533 À terme | 6806395 | 1374058.53979 | 11128552.820514958 | 6763034 | 21369828.484033428 | 25275221.07772359 | 72717089.92206198 | 2379839.69881029 | 2379839.69881029 | 0 | 0 | 75096929.62087227 40431627 | 2550773.7355700005 | 29803202.981310207 | 29791129 | 105105165.44259512 | 159239659.76946777 | 366921557.9289431 | 6241741.399640994 | 6241741.399640994 | 0 | 0 | 373163299.3285841 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 | 1870469 | 63162.12647 | 887314.1517261781 | 1499914 | 6150610.330190001 | 6564731.3 | 17036200.90838618 | 173741.32497000002 | 173741.32497000002 | 0 | 0 | 17209942.233356178 1870469 | 63162.12647 | 887314.1517261781 | 1499914 | 6150610.330190001 | 6564731.3 | 17036200.90838618 | 173741.32497000002 | 173741.32497000002 | 0 | 0 | 17209942.233356178 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 | 2761587 | 16310.24928 | 458664.5798391439 | 0 | 431408.56740000006 | 1361743.005135264 | 5029713.401654408 | 313658.64 | 313658.64 | 0 | 0 | 5343372.041654408 2761587 | 16310.24928 | 458664.5798391439 | 0 | 431408.56740000006 | 1361743.005135264 | 5029713.401654408 | 313658.64 | 313658.64 | 0 | 0 | 5343372.041654408 Autres passifs | 0 | 4972.43302 | 26479.647376866393 | 999404 | 1772758.39065 | 1897156.647303739 | 4700771.1183506055 | 121694.1225 | 121694.1225 | 0 | 0 | 4822465.240850605 45063683 | 2635218.5443400005 | 31175661.360252395 | 32290447 | 113459942.73083512 | 169063290.72190678 | 393688243.3573343 | 6850835.487110994 | 6850835.487110994 | 0 | 0 | 400539078.8444453 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 45063683 | 2635218.5443400005 | 31175661.360252395 | 32290447 | 113459942.73083512 | 169063290.72190678 | 393688243.3573343 | 6850835.487110994 | 6850835.487110994 | 0 | 0 | 400539078.8444453 Actif devises en % actif total | 0.3416633253335845 | 0.3666754881176691 | 0.6089317081530056 | 0.6128103966526222 | 0.6093203878730449 | 0.6409388957276483 | 0.5681154170234333 | 0.5582499660549008 | 0.5582499660549008 | #DIV/0! | #DIV/0! | 0.5679438337626604 Dépôts devises en % dépôts totaux | 0.3900315365863992 | 0.5721023524122141 | 0.6887318554277579 | 0.7046538767964947 | 0.6770038379536775 | 0.7138635111988912 | 0.6414834171928164 | 0.7641340612111646 | 0.7641340612111646 | #DIV/0! | #DIV/0! | 0.6432102890203799 [bilsysbansept 25 gdes ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (GOURDES EXCLUANT LES DEVISES) AU 30 Septembre 2025 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 4479357 | 56492.85135 | 2481877.7509 | 1576687 | 4438608.68815 | 3269325.8225 | 16302349.1129 | 62121.038420000004 | 62121.038420000004 | 0 | 0 | 16364470.15132 Avoirs à la BRH | 27507746 | 1231438.94605 | 5103649.09293 | 7367015 | 27237793.96691 | 35517464.18232 | 103965107.18821 | 549155.79148 | 549155.79148 | 0 | 0 | 104514262.97969 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 0 | 0 | 92387.34709000001 | 46072 | 6997.31 | 1098.8933799990862 | 146555.55046999909 | 65487.288 | 65487.288 | 0 | 0 | 212042.8384699991 Autres liquidités | 494341 | 38919.62223 | 4592.18593 | 308994 | 7284.37258 | 526619.40198 | 1380750.5827199998 | 4182.40858 | 4182.40858 | 0 | 0 | 1384932.9912999999 32481444 | 1326851.41963 | 7682506.376850001 | 9298768 | 31690684.33764 | 39314508.300179996 | 121794762.43429999 | 680946.52648 | 680946.52648 | 0 | 0 | 122475708.96078 Bons B.R.H. | 17300000 | 1000000 | 300000 | 0 | 0 | 2500000 | 21100000 | 0 | 0 | 0 | 0 | 21100000 Bons du Trésor / M.E.F. | 22368100 | 2324348 | 0 | 0 | 0 | 15694650 | 40387098 | 0 | 0 | 0 | 0 | 40387098 Autres Placements | -761825 | 0 | 2132281.8964722063 | 3395803 | 21684360.46283 | 13692044.95662 | 40142665.31592221 | 1609417.27507 | 1609417.27507 | 0 | 0 | 41752082.590992205 Portefeuille net | 9616633 | -446912.29351000005 | 3802339.2084841365 | 4901387 | 9647974.17426 | 15124231.269820001 | 42645652.35905413 | 1879384.3181999999 | 1879384.3181999999 | 0 | 0 | 44525036.67725413 Immobilisations | 2579631 | 389771.26644 | 4966107.878949999 | 2188386 | 6049936.122009999 | 4707812.262089999 | 20881644.529489994 | 676806.7758899999 | 676806.7758899999 | 0 | 0 | 21558451.305379994 Autres actifs | 3289012 | 52677.60491 | 1138587.8263370583 | 800575 | 3719898.03882 | 3716689.4355999995 | 12717439.905667057 | 578809.5587500001 | 578809.5587500001 | 0 | 0 | 13296249.464417057 86872995 | 4646735.997470001 | 20021823.1870934 | 20584919 | 72792853.13555999 | 94749936.22431 | 299669262.5444334 | 5425364.45439 | 5425364.45439 | 0 | 0 | 305094626.99882334 PASSIF Dépôts À vue | 29744143 | 717646.2594600001 | 6669691.35661 | 5506874 | 28070444.773949996 | 28841815.966089997 | 99550615.35610999 | 680692.40114 | 680692.40114 | 0 | 0 | 100231307.75725 Épargne | 26442838 | 404675.0243 | 3766692.04111 | 4207508 | 16482623.902570002 | 26870484.44038 | 78174821.40836 | 334886.7856800001 | 334886.7856800001 | 0 | 0 | 78509708.19404 À terme | 7043848 | 785501.8118400001 | 3032991.6880900003 | 2772166 | 5592237.961350005 | 8115415.12951 | 27342160.590790004 | 911064.6701100001 | 911064.6701100001 | 0 | 0 | 28253225.260900002 63230829 | 1907823.0956000001 | 13469375.08581 | 12486548 | 50145306.63787 | 63827715.53598 | 205067597.35525998 | 1926643.8569300002 | 1926643.8569300002 | 0 | 0 | 206994241.21219 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 | 3732840 | 295212.86203 | 1570063.1116099549 | 1716445 | 4867981.08756 | 5356908.08091 | 17539450.142109957 | 212552.73570999998 | 212552.73570999998 | 0 | 0 | 17752002.877819955 3732840 | 295212.86203 | 1570063.1116099549 | 1716445 | 4867981.08756 | 5356908.08091 | 17539450.142109957 | 212552.73570999998 | 212552.73570999998 | 0 | 0 | 17752002.877819955 Obligations à terme Banques locales | 1918128 | 0 | 0 | 303288 | 2297588.35685 | 1368880.0102300001 | 5887884.36708 | 1510070.5035400002 | 1510070.5035400002 | 0 | 0 | 7397954.87062 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4471963 | 1036299.9995 | 206933.76015432633 | -62922 | 158585.35797000024 | 1312776.8193799998 | 7123636.937004326 | 39983.92556000012 | 39983.92556000012 | 0 | 0 | 7163620.862564326 6390091 | 1036299.9995 | 206933.76015432633 | 240366 | 2456173.7148200003 | 2681656.82961 | 13011521.304084327 | 1550054.4291000003 | 1550054.4291000003 | 0 | 0 | 14561575.733184326 Autres passifs | 1353807 | 22120.942010000002 | 906476.9892591155 | 719049 | 1845470.74521 | 464142.96135999996 | 5311067.637839116 | 463699.21503 | 463699.21503 | 0 | 0 | 5774766.852869116 74707567 | 3261456.89914 | 16152848.946833396 | 15162408 | 59314932.185459994 | 72330423.40786 | 240929636.43929338 | 4152950.236770001 | 4152950.236770001 | 0 | 0 | 245082586.67606342 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 750000 | 2025000 | 3000000 | 12520625 | 21460625 | 300000 | 300000 | 0 | 0 | 21760625 Réserves | 1552351 | 58117.833620000005 | 477378.60000000003 | 801274 | 3134836.8682500003 | 2718249.43779 | 8742207.73966 | 365714.5379 | 365714.5379 | 0 | 0 | 9107922.277560001 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 2014325 | 1432779.18618 | 1384 | 0 | 0 | 3448488.18618 | 0 | 0 | 0 | 0 | 3448488.18618 BNR | 7634709 | -797064.50721 | 1209098.651083157 | 2884445 | 7413942.880999999 | 7249895.7027199995 | 25595026.727593154 | 612025.5729499995 | 612025.5729499995 | 0 | 0 | 26207052.30054315 12187060 | 1440378.3264100002 | 3869256.4372631568 | 5712103 | 13548779.749249998 | 22488770.14051 | 59246347.65343316 | 1277740.1108499994 | 1277740.1108499994 | 0 | 0 | 60524087.76428316 86894627 | 4701835.22555 | 20022105.38409655 | 20874511 | 72863711.93471 | 94819193.54837 | 300175984.0927265 | 5430690.34762 | 5430690.34762 | 0 | 0 | 305606674.4403466 [bilsysbanjuin 25] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 juin 2025 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 9290574 | 227933.82418 | 1615538.414967914 | 1935732 | 4577111.6141 | 3769686.9529872 | 21416576.806235112 | 90515.52871999999 | 90515.52871999999 | 0 | 0 | 21507092.33495511 Avoirs à la BRH | 39995100 | 1543045.9068 | 19743825.250439286 | 21909934 | 73395283.01929 | 113812350.97529188 | 270399539.15182114 | 1864066.9773900001 | 1864066.9773900001 | 0 | 0 | 272263606.1292111 Avoirs à l'étranger | 1889905 | 0 | 1401955.81752447 | 8356708 | 5703730.300009999 | 15064257.162761306 | 32416556.280295774 | 0 | 0 | 0 | 0 | 32416556.280295774 Avoirs dans les banques locales | 0 | 0 | 381294.9438804119 | 24720 | 6997.31 | 20700.024459996035 | 433712.27834040794 | 245716.92745000002 | 245716.92745000002 | 0 | 0 | 679429.205790408 Autres liquidités | 716426 | 27177.15463 | 7313.568458832 | 415984 | 167242.85785 | 1065540.55934704 | 2399684.140285872 | 39456.25582 | 39456.25582 | 0 | 0 | 2439140.396105872 51892005 | 1798156.88561 | 23149927.995270915 | 32643078 | 83850365.10125 | 133732535.67484741 | 327066068.6569783 | 2239755.6893800003 | 2239755.6893800003 | 0 | 0 | 329305824.3463583 Bons B.R.H. | 20500000 | 1900000 | 899849.5714299999 | 0 | 3500000 | 5500000 | 32299849.57143 | 0 | 0 | 0 | 0 | 32299849.57143 Bons du Trésor / M.E.F. | 21110000 | 1873000 | 0 | 0 | 0 | 11991000 | 34974000 | 0 | 0 | 0 | 0 | 34974000 Autres Placements | 16183665 | 0 | 6359819.988350821 | 5804755 | 57214367.79327 | 57696686.47012831 | 143259294.25174913 | 2677511.1971700005 | 2677511.1971700005 | 0 | 0 | 145936805.44891912 Portefeuille net | 14955519 | 168420.27553999983 | 13008687.073582547 | 12249158 | 25364257.421919998 | 39873999.71158 | 105620041.48262253 | 4922226.249607062 | 4922226.249607062 | 0 | 0 | 110542267.73222959 Immobilisations | 2804563 | 387257.20785 | 5006678.360199999 | 1911967 | 6240457.803789999 | 4606738.96606 | 20957662.337899998 | 617291.39768 | 617291.39768 | 0 | 0 | 21574953.735579997 Autres actifs | 3135546 | 1230900.35272 | 1380205.992591744 | 1918651 | 4080283.94561 | 4461756.523686905 | 16207343.814608648 | 1674999.53199 | 1674999.53199 | 0 | 0 | 17882343.346598648 130581298 | 7357734.72172 | 49805168.98142602 | 54527609 | 180249732.06583998 | 257862717.34630266 | 680384260.1152887 | 12131784.06582706 | 12131784.06582706 | 0 | 0 | 692516044.1811156 PASSIF Dépôts À vue | 45766126 | 1646319.85847 | 17853828.1 | 21156877 | 72563748.6766814 | 102155345.16340081 | 261142244.79855222 | 3848718.9255267438 | 3848718.9255267438 | 0 | 0 | 264990963.72407895 Épargne | 42499387 | 635411.90362 | 9583524.657282826 | 12687333 | 51747837.72317903 | 82841669.47830741 | 199995163.76238924 | 1243561.1537547759 | 1243561.1537547759 | 0 | 0 | 201238724.916144 À terme | 12851684 | 2166911.95971 | 13566428.28561386 | 8728283 | 25494682.522113413 | 32240092.02246976 | 95048081.78990704 | 2964282.7923191977 | 2964282.7923191977 | 0 | 0 | 98012364.58222623 101117197 | 4448643.7218 | 41003781.04289669 | 42572493 | 149806268.92197382 | 217237106.66417798 | 556185490.3508484 | 8056562.871600717 | 8056562.871600717 | 0 | 0 | 564242053.2224492 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 | 6212150 | 396613.79363999993 | 3406106.576120323 | 4238695 | 10685471.911290001 | 13060722.28163989 | 37999759.56269021 | 407977.21452 | 407977.21452 | 0 | 0 | 38407736.77721021 6212150 | 396613.79363999993 | 3406106.576120323 | 4238695 | 10685471.911290001 | 13060722.28163989 | 37999759.56269021 | 407977.21452 | 407977.21452 | 0 | 0 | 38407736.77721021 Obligations à terme Banques locales | 1920646 | 0 | 0 | 317680 | 1836356.36671 | 1630364.56971 | 5705046.936419999 | 1541042.78273 | 1541042.78273 | 0 | 0 | 7246089.719149999 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 6901739 | 1052236.68437 | 620506.5381000224 | 112594 | 789519.6794999999 | 2262451.8426960637 | 11739047.744666087 | 358497.24213000014 | 358497.24213000014 | 0 | 0 | 12097544.986796087 8822385 | 1052236.68437 | 620506.5381000224 | 430274 | 2625876.04621 | 3892816.4124060636 | 17444094.681086086 | 1899540.0248600002 | 1899540.0248600002 | 0 | 0 | 19343634.705946088 Autres passifs | 1845116 | 30407.45336 | 1249262.9179384103 | 1879212 | 4081731.2812799998 | 2590155.4791543037 | 11675885.131732713 | 529126.88346 | 529126.88346 | 0 | 0 | 12205012.015192714 117996848 | 5927901.65317 | 46279657.07505544 | 49120674 | 167199348.16075382 | 236780800.83737826 | 623305229.7263575 | 10893206.994440718 | 10893206.994440718 | 0 | 0 | 634198436.7207981 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728155.76157 | 2025000 | 3000000 | 12520625 | 21438780.76157 | 300000 | 300000 | 0 | 0 | 21738780.76157 Réserves | 1715157 | 58117.833620000005 | 902534.062 | 836620 | 3504304.7636 | 2548783.7899599997 | 9565517.44918 | 344448.16109 | 344448.16109 | 0 | 0 | 9909965.61027 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 | 7869293 | -807609.76518 | 696267.7822325316 | 2543931 | 6546079.144090002 | 6012507.7 | 22860468.861142535 | 594128.9103400006 | 594128.9103400006 | 0 | 0 | 23454597.771482535 12584450 | 1429833.06844 | 3525511.8848425318 | 5406935 | 13050383.907690004 | 21081916.48996 | 57079030.35093254 | 1238577.0714300007 | 1238577.0714300007 | 0 | 0 | 58317607.422362536 130581298 | 7357734.72161 | 49805168.95989797 | 54527609 | 180249732.06844383 | 257862717.32733828 | 680384260.07729 | 12131784.065870719 | 12131784.065870719 | 0 | 0 | 692516044.1431608 Hors-bilan Effets à l'encaissement | 1629320 | 0 | 0 | 0 | 2712.1571306 | 0 | 1632032.1571306 | 0 | 0 | 0 | 0 | 1632032.1571306 Crédit documentaire | 0 | 0 | 0 | 0 | 1751610.2423603937 | 1918123.5000917097 | 3669733.7424521036 | 0 | 0 | 0 | 0 | 3669733.7424521036 Autres | 4663600 | 229085.82378816 | 5306769.296996961 | 43819 | 8434238.12314633 | 3350341.539099553 | 22027853.783031 | 557205.748938 | 557205.748938 | 0 | 0 | 22585059.531969003 Portefeuille brut | 20108500 | 1303003.25965 | 13285658.788650274 | 12657178 | 28114359.34833 | 41205515.07964 | 116674214.47627027 | 5280203.259717062 | 5280203.259717062 | 0 | 0 | 121954417.73598734 Provisions pour créances Fouteuses | 5152981 | 1134582.98411 | 276971.7150677267 | 408020 | 2750101.92641 | 1331515.36806 | 11054172.993647726 | 357977.01011 | 357977.01011 | 0 | 0 | 11412150.003757726 Portefeuille de crédit improFuctif | 10116131 | 1222839.985183236 | 141615.77449716997 | 220877 | 4673511 | 322960.26728000003 | 16697935.026960405 | 583233.29378599 | 583233.29378599 | 0 | 0 | 17281168.320746396 Dépôts US convertis | 40431627 | 2550773.7355700005 | 29803202.981310207 | 29791129 | 105105165.44259512 | 159239659.76946777 | 366921557.9289431 | 6241741.399640994 | 6241741.399640994 | 0 | 0 | 373163299.3285841 Immobilisation /A | 0.22285940188089268 | 0.2708408529623054 | 1.4201280618923864 | 0.3536138311261371 | 0.47818193303208334 | 0.2185161376696422 | 0.3671692074838759 | 0.4983875544921121 | 0.4983875544921121 | 0 | 0 | 0.3699560851206464 Liquidité en % de l'actif | 0.7160443833235599 | 0.7571837116067762 | 0.4828771402355821 | 0.5986522900719891 | 0.48460746154864437 | 0.5864497870460207 | 0.5795841281830783 | 0.18461882252660333 | 0.18461882252660333 | 0 | 0 | 0.5726649617002516 Liquidité en % des dépôts | 0.924689447236161 | 1.2523270538185087 | 0.5865258509097222 | 0.7667645397228675 | 0.5830888502185859 | 0.6961220299652606 | 0.7090079210438482 | 0.278003873993848 | 0.278003873993848 | 0 | 0 | 0.702853804768499 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 133732535.67484741 | BNC | 20500000 | UNIBK | 39873999.71158 | UNIBK | 21081916.48996 SOGEBK | 83850365.10125 | UNIBK | 5500000 | SOGEBK | 25364257.421919998 | SOGEBK | 13050383.907690004 BNC | 51892005 | SOGEBK | 3500000 | BNC | 14955519 | BNC | 12584450 CAPITALBK | 32643078 | BPH | 1900000 | BUH | 13008687.073582547 | CAPITALBK | 5406935 BUH | 23149927.995270915 | BUH | 899849.5714299999 | CAPITALBK | 12249158 | BUH | 3525511.8848425318 SOGEBL | 2239755.6893800003 | CAPITALBK | 0 | SOGEBL | 4922226.249607062 | BPH | 1429833.06844 BPH | 1798156.88561 | CBNA | 0 | BPH | 168420.27553999983 | SOGEBL | 1238577.0714300007 CBNA | 0 | SOGEBL | 0 | CBNA | 0 | CBNA | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanmars 25] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (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 | 2324.133210000763 | 440282.2485487047 | 189099.60372 | 189099.60372 | 0 | 0 | 629381.8522687047 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 | 132494477.06978783 | 323688508.3248587 | 2223401.04649 | 2223401.04649 | 0 | 0 | 325911909.37134874 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 | 255289746.53040826 | 666042977.562089 | 12085460.702821346 | 12085460.702821346 | 0 | 0 | 678128438.2649103 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 | 103662456 | 2550773.7355700005 | 29803202.981310207 | 29791129 | 105105165.44259512 | 159239659.76946777 | 430152386.9289431 | 6241741.399640994 | 6241741.399640994 | 0 | 0 | 436394128.3285841 Immobilisation /A | 0.23627323601918881 | 0.2479333880769439 | 1.472260936385767 | 0.3544225047230896 | 0.49304508565954325 | 0.2089788886171141 | 0.3682702553597907 | 0.5036361455220862 | 0.5036361455220862 | 0 | 0 | 0.3710718643946463 Liquidité en % de l'actif | 0.6962369526394648 | 0.7624662607836128 | 0.4580974786729863 | 0.6085194856333487 | 0.49776572804158636 | 0.5866568442534319 | 0.578220206951972 | 0.1839732138610941 | 0.1839732138610941 | 0 | 0 | 0.57119402094745 Liquidité en % des dépôts | 0.8945456547730612 | 1.2518382057379558 | 0.5574593787797875 | 0.7760759356167866 | 0.5971581543981941 | 0.6929843613685078 | 0.7044312259368408 | 0.2752823701934658 | 0.2752823701934658 | 0 | 0 | 0.6981835090402823 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 132494477.06978783 | BNC | 19200000 | UNIBK | 41585562.47213001 | UNIBK | 22064791.71491 SOGEBK | 85164394.95818 | SOGEBK | 3000000 | SOGEBK | 26998490.269369997 | SOGEBK | 12716435.682110008 BNC | 49591442 | UNIBK | 3000000 | BNC | 15185875 | BNC | 11989898 CAPITALBK | 32535607 | BPH | 1400000 | BUH | 13159416.355192548 | CAPITALBK | 5162934 BUH | 21592877.181520864 | CAPITALBK | 350000 | CAPITALBK | 11784089 | BUH | 3399734.550547265 BPH | 2309710.1153700002 | BUH | 0 | SOGEBL | 4854975.250171347 | BPH | 1421922.6404900001 SOGEBL | 2223401.04649 | CBNA | 0 | BPH | 166111.2362899999 | SOGEBL | 1199473.3952500003 CBNA | 0 | SOGEBL | 0 | CBNA | 0 | CBNA | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbandéc. 24] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (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 | 40431627 | 2550773.7355700005 | 29803202.981310207 | 29791129 | 105105165.44259512 | 159239659.76946777 | 366921557.9289431 | 6241741.399640994 | 6241741.399640994 | 0 | 0 | 373163299.3285841 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 BILAN PAR BANQUE (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 BILAN PAR BANQUE (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 | 1845116 | 30407.45336 | 1249262.9179384103 | 1879212 | 4081731.2812799998 | 2590155.4791543037 | 11675885.131732713 | 529126.88346 | 529126.88346 | 0 | 0 | 12205012.015192714 108121797 | 6050467.011336479 | 44020332.30744965 | 46735824 | 155931765.65798345 | 219027652.79992574 | 579887838.7766953 | 10732758.888922354 | 10732758.888922354 | 4392205 | 4392205 | 595012802.6656176 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 120771454 | 5517383.704606479 | 47269158.55150595 | 51937126 | 167316250.74492344 | 238072976.43965575 | 630884349.4406917 | 11802992.971842354 | 11802992.971842354 | 5010518 | 5010518 | 647697860.4125339 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 BILAN PAR BANQUE (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 Disponibilités 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 BILAN PAR BANQUE (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 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 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 | 40431627 | 2550773.7355700005 | 29803202.981310207 | 29791129 | 105105165.44259512 | 159239659.76946777 | 366921557.9289431 | 6241741.399640994 | 6241741.399640994 | 0 | 0 | 373163299.3285841 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 | 31260284 | 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 BILAN PAR BANQUE (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 Disponibilités 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 BILAN PAR BANQUE (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 Disponibilités 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 BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 mars 2023 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités 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 SOMMAIRE FINANCIER DÉTAILLÉ RÉSULTATS TRIMESTRIELS PAR BANQUE (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME TRIM 4 2025 (Juillet.- septembre 2025) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 394907 | 3128.2962899999998 | 341914.72416999994 | 501352 | 951784.31468 | 1491500.14552 | 3684586.48066 | 169796.96878 | 169796.96878 | 0 | 0 | 3854383.4494399996 Intérêts sur Bons B.R.H. | 264337 | 22477.07143 | 4011.42857 | 5324 | 488459.31191999983 | 49474.28571 | 834083.0976299997 | 0 | 0 | 0 | 0 | 834083.0976299997 Autres | 842597 | 68522.528 | 92878.165946369 | 94706 | 327621.9707400001 | 1032333.8759600001 | 2458659.540646369 | 47709.26102 | 47709.26102 | 0 | 0 | 2506368.801666369 1501841 | 94127.89572 | 438804.31868636893 | 601382 | 1767865.5973399999 | 2573308.30719 | 6977329.118936369 | 217506.2298 | 217506.2298 | 0 | 0 | 7194835.348736368 Dépenses d'intérêt | 180427 | 10633.5888 | 125099.90619 | 102640 | 271632.31145000004 | 298656.78106 | 989089.5874999999 | 45421.47121999998 | 45421.47121999998 | 0 | 0 | 1034511.0587199999 1321414 | 83494.30692 | 313704.4124963689 | 498742 | 1496233.28589 | 2274651.52613 | 5988239.531436369 | 172084.75858000002 | 172084.75858000002 | 0 | 0 | 6160324.290016368 AUTRES REVENUS Commissions | 161220 | 4847.74907 | 205453.58539999864 | 335786 | 616896.95754 | 1012242.8519100001 | 2336447.143919999 | 15193.751400000001 | 15193.751400000001 | 0 | 0 | 2351640.8953199987 Gains sur change | 52298 | 1413.01748 | 86331.25185428813 | 116007 | 278313.6159999999 | 431297.62901000003 | 965660.514344288 | 11580.196879999996 | 11580.196879999996 | 0 | 0 | 977240.711224288 Autres | 96815 | 4756.28069 | 66333.09914544606 | 309296 | 431077.65352000005 | 688000.0249999999 | 1596278.058355446 | 7694.3249 | 7694.3249 | 0 | 0 | 1603972.3832554459 310333 | 11017.04724 | 358117.93639973283 | 761089 | 1326288.22706 | 2131540.50592 | 4898385.716619733 | 34468.27318 | 34468.27318 | 0 | 0 | 4932853.989799732 PRODUIT NET BANCAIRE | 1631747 | 94511.35416 | 671822.3488961018 | 1259831 | 2822521.51295 | 4406192.0320500005 | 10886625.248056103 | 206553.03176 | 206553.03176 | 0 | 0 | 11093178.2798161 Dotation à la provision pour créances douteuses | 0 | 0 | -36987.71009317697 | 21033 | 401521.4742 | 157501.04441 | 543067.808516823 | 30727.34243 | 30727.34243 | 0 | 0 | 573795.150946823 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1631747 | 94511.35416 | 708810.0589892787 | 1238798 | 2421000.03875 | 4248690.987640001 | 10343557.43953928 | 175825.68933000002 | 175825.68933000002 | 0 | 0 | 10519383.128869276 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 949858 | 50075.37138 | 225464.62821000017 | 308584 | 656853.2337900001 | 1006459.3633199999 | 3197294.5967 | 46264.72760000001 | 46264.72760000001 | 0 | 0 | 3243559.3243 Frais de locaux | 33974 | 4808.1959400000005 | 85187.41242314174 | 105887 | 62273.634139999995 | 78701.93872 | 370832.1812231417 | 27158.94092 | 27158.94092 | 0 | 0 | 397991.12214314175 Amortissement | 55734 | 3207.5681000000004 | 37344.864299999994 | 31368 | 93528.66147 | 193268.6409 | 414451.73477 | 9061.54295 | 9061.54295 | 0 | 0 | 423513.27771999995 Autres dépenses d'exploitation | 260626 | 25460.87676 | 235549.31658015383 | 386565 | 856721.99655 | 1217148.29999 | 2982071.489880154 | 41303.07936 | 41303.07936 | 0 | 0 | 3023374.5692401538 1300192 | 83552.01217999999 | 583546.2215132958 | 832404 | 1669377.5259500002 | 2495578.2429299997 | 6964650.0025732955 | 123788.29083000001 | 123788.29083000001 | 0 | 0 | 7088438.293403296 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 331555 | 10959.341980000012 | 125263.83747598296 | 406394 | 751622.5127999997 | 1753112.7447100012 | 3378907.4369659843 | 52037.39850000001 | 52037.39850000001 | 0 | 0 | 3430944.8354659807 Impôts sur le revenu | 0 | 0 | 37588.43062359494 | 101226 | 124479 | 346258.70054 | 609552.1311635949 | 12874.359079999998 | 12874.359079999998 | 0 | 0 | 622426.4902435949 BÉNÉFICE NET (PERTE NETTE) | 331555 | 10959.341980000012 | 87675.40685238803 | 305168 | 627143.5127999997 | 1406854.044170001 | 2769355.3058023895 | 39163.039420000016 | 39163.039420000016 | 0 | 0 | 2808518.3452223856 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYTÈME TRIM 4 2024 (Juillet.-Septembre 2024) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 476617 | 6293.890780000001 | 362272.34856468404 | 486117 | 813394.4791800001 | 1345207.14535 | 3489901.863874684 | 152044.76013 | 152044.76013 | 2109 | 2109 | 3644055.624004684 Intérêts sur Bons B.R.H. | 239993 | 0 | 292.5 | 14668 | 263868.2263899999 | 38232.75 | 557054.47639 | 0 | 0 | 0 | 0 | 557054.47639 Autres | 858207 | 43387.73857 | 65533.47107659803 | 108849 | 280949.26255999994 | 941122.90249 | 2298049.374696598 | 37739.46938999999 | 37739.46938999999 | 10268 | 10268 | 2346056.844086598 1574817 | 49681.62935 | 428098.3196412821 | 609634 | 1358211.96813 | 2324562.79784 | 6345005.714961282 | 189784.22952 | 189784.22952 | 12377 | 12377 | 6547166.944481282 Dépenses d'intérêt | 158730 | 31498.02216 | 123785.14366999999 | 138417 | 240997.31708999997 | 337702.23 | 1031129.7129199998 | 45115.708470029036 | 45115.708470029036 | 0 | 0 | 1076245.421390029 1416087 | 18183.607190000002 | 304313.17597128206 | 471217 | 1117214.65104 | 1986860.5678400001 | 5313876.002041282 | 144668.52104997096 | 144668.52104997096 | 12377 | 12377 | 5470921.523091253 AUTRES REVENUS Commissions | 230750 | 3918.4992 | 175314.99636777764 | 308820 | 604965.7835399997 | 908463.18594 | 2232232.4650477776 | 8837.853359999996 | 8837.853359999996 | 12319 | 12319 | 2253389.3184077777 Gains sur change | 55494 | 1525.24405 | 65637.885801131 | 128608 | 229636.56758999988 | 399546.40908 | 880448.1065211309 | 2345.5146500000005 | 2345.5146500000005 | 9848 | 9848 | 892641.6211711309 Autres | 31952 | 856.42549 | 54799.03022311999 | 345985 | 248133.53738 | 643992.23503 | 1325718.22812312 | 45173.17181 | 45173.17181 | 36765 | 36765 | 1407656.39993312 318196 | 6300.16874 | 295751.9123920286 | 783413 | 1082735.8885099995 | 1952001.83005 | 4438398.799692029 | 56356.53982 | 56356.53982 | 58932 | 58932 | 4553687.339512029 PRODUIT NET BANCAIRE | 1734283 | 24483.775930000003 | 600065.0883633107 | 1254630 | 2199950.5395499994 | 3938862.39789 | 9752274.801733311 | 201025.06086997097 | 201025.06086997097 | 71309 | 71309 | 10024608.86260328 Dotation à la provision pour créances douteuses | 240000 | 0 | -15357.780477100732 | 16112 | 186906.46989 | 240455.3111 | 668116.0005128994 | 41796.958459999994 | 41796.958459999994 | 0 | 0 | 709912.9589728994 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1494283 | 24483.775930000003 | 615422.8688404114 | 1238518 | 2013044.0696599993 | 3698407.08679 | 9084158.801220411 | 159228.10240997098 | 159228.10240997098 | 71309 | 71309 | 9314695.903630381 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 626921 | 31084.2422 | 176397.85624000002 | 311931 | 598919.97587 | 988566.32358 | 2733820.3978899997 | 42481.18291 | 42481.18291 | 18553 | 18553 | 2794854.5807999996 Frais de locaux | 58223 | 4856.31905 | 117833.81804576 | 245147 | 53051.26766000001 | 90432.7635 | 569544.16825576 | 27931.222980000006 | 27931.222980000006 | 820 | 820 | 598295.39123576 Amortissement | 57498 | 1378.8826800000002 | 24175.44612 | 37823 | 95204.27016 | 200188.11635 | 416267.71531 | 3565.4717899999996 | 3565.4717899999996 | 4390 | 4390 | 424223.1871 Autres dépenses d'exploitation | 524708 | 18301.505790000003 | 200914.059212562 | 433233 | 824416.35404 | 890960.6664300001 | 2892533.5854725624 | 35553.93655 | 35553.93655 | 28814 | 28814 | 2956901.5220225626 1267350 | 55620.949720000004 | 519321.179618322 | 1028134 | 1571591.86773 | 2170147.86986 | 6612165.866928322 | 109531.81423 | 109531.81423 | 52577 | 52577 | 6774274.681158323 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 226933 | -31137.17379 | 96101.68922208942 | 210384 | 441452.2019299993 | 1528259.21693 | 2471992.934292089 | 49696.28817997097 | 49696.28817997097 | 18732 | 18732 | 2540421.2224720586 Impôts sur le revenu | 0 | 0 | 30099.750155546848 | 13197 | 96480 | 291021.94218 | 430798.69233554683 | 12226.320895600022 | 12226.320895600022 | 5819 | 5819 | 448844.01323114685 BÉNÉFICE NET (PERTE NETTE) | 226933 | -31137.17379 | 66001.93906654257 | 197187 | 344972.2019299993 | 1237237.27475 | 2041194.2419565422 | 37469.96728437095 | 37469.96728437095 | 12913 | 12913 | 2091577.2092409118 Commissions / salaires | 0.16973063342099556 | 0.09680904876795744 | 0.9112453116532185 | 1.0881510382910327 | 0.9391701613167754 | 1.0057463706939167 | 0.7307575430589032 | 0.32840896700751343 | #DIV/0! | #DIV/0! | #DIV/0! | 0.725018616956393 marge nette en % revenus d'intérêts | 0.8798627817458705 | 0.8870304204862767 | 0.7149073040928434 | 0.8293264514069261 | 0.8463501343887745 | 0.883940536691413 | 0.8582423774713986 | 0.7911716309837854 | #DIV/0! | #DIV/0! | #DIV/0! | 0.8562147695427538 frais d'exploitation en % produit net bancaire | 0.7968097995583874 | 0.8840420595239092 | 0.8686019785917273 | 0.6607267165199142 | 0.591448999871475 | 0.5663798183959133 | 0.6397437078875193 | 0.599305126510238 | #DIV/0! | #DIV/0! | #DIV/0! | 0.6389907486027355 REVENUS D'INTÉR. | revnet%revint | AUTRES REVENUS | F.D'EXPL.%PNB | frais d'expl. | bénef.net UNIBK | 2573308.30719 | BPH | 0.8870304204862767 | UNIBK | 2131540.50592 | BPH | 0.8840420595239092 | UNIBK | 2495578.2429299997 | UNIBK | 1406854.044170001 SOGEBK | 1767865.5973399999 | UNIBK | 0.883940536691413 | SOGEBK | 1326288.22706 | BUH | 0.8686019785917273 | SOGEBK | 1669377.5259500002 | BNC | 331555 BNC | 1501841 | BNC | 0.8798627817458705 | CAPITALBK | 761089 | BNC | 0.7968097995583874 | BNC | 1300192 | SOGEBK | 627143.5127999997 CAPITALBK | 601382 | SOGEBK | 0.8463501343887745 | BUH | 358117.93639973283 | CAPITALBK | 0.6607267165199142 | CAPITALBK | 832404 | CAPITALBK | 305168 BUH | 438804.31868636893 | CAPITALBK | 0.8293264514069261 | BNC | 310333 | SOGEBL | 0.599305126510238 | BUH | 583546.2215132958 | BUH | 87675.40685238803 SOGEBL | 217506.2298 | SOGEBL | 0.7911716309837854 | SOGEBL | 34468.27318 | SOGEBK | 0.591448999871475 | SOGEBL | 123788.29083000001 | SOGEBL | 39163.039420000016 BPH | 94127.89572 | BUH | 0.7149073040928434 | BPH | 11017.04724 | UNIBK | 0.5663798183959133 | BPH | 83552.01217999999 | BPH | 10959.341980000012 CBNA | 0 | CBNA | 0 | CBNA | 0 | CBNA | 0 | CBNA | 0 | 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 - Septembre 2025) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1442301 | 12996.89578 | 1401920.7393999998 | 1883731 | 2876954.5688099996 | 5400086.59611 | 13017990.800099999 | 552587.11754 | 552587.11754 | 94 | 94 | 13570671.917639999 Intérêts sur Bons B.R.H. | 1194796 | 66350.49999 | 10003.5 | 49216 | 1678887.5624999998 | 228912.75001000002 | 3228166.3124999995 | 0 | 0 | 0 | 0 | 3228166.3124999995 Autres | 3210545 | 255740.29393 | 270603.457774953 | 356664 | 1213286.1948000002 | 3980739.7837699996 | 9287578.730274953 | 163087.46183 | 163087.46183 | 5867 | 5867 | 9456533.192104952 5847642 | 335087.6897 | 1682527.6971749528 | 2289611 | 5769128.32611 | 9609739.129889999 | 25533735.84287495 | 715674.5793699999 | 715674.5793699999 | 5961 | 5961 | 26255371.42224495 Dépenses d'intérêt | 685696 | 50101.96172 | 448309.89285 | 494525 | 1038903.0344100001 | 1242090.0718999999 | 3959625.96088 | 179979.30888969102 | 179979.30888969102 | 0 | 0 | 4139605.269769691 5161946 | 284985.72797999997 | 1234217.804324953 | 1795086 | 4730225.2917 | 8367649.057989999 | 21574109.88199495 | 535695.2704803089 | 535695.2704803089 | 5961 | 5961 | 22115766.15247526 AUTRES REVENUS Commissions | 708954 | 17850.168729999998 | 762159.3467599987 | 1281683 | 2010095.3133999999 | 2993737.3465100005 | 7774479.175399999 | 53974.99539000001 | 53974.99539000001 | 2626 | 2626 | 7831080.170789999 Gains sur change | 229189 | 7327.43831 | 294367.51104674407 | 468515 | 1061572.58709 | 1612163.6151400001 | 3673135.151586744 | 24364.224489999997 | 24364.224489999997 | 5719 | 5719 | 3703218.376076744 Autres | 157032 | 8190.02493 | 209067.66218229968 | 764812 | 1142599.0937899998 | 2148325.2565 | 4430026.0374023 | 107646.30963 | 107646.30963 | 27858 | 27858 | 4565530.3470323 1095175 | 33367.631969999995 | 1265594.5199890423 | 2515010 | 4214266.994279999 | 6754226.218150001 | 15877640.364389043 | 185985.52951000002 | 185985.52951000002 | 36203 | 36203 | 16099828.893899042 PRODUIT NET BANCAIRE | 6257121 | 318353.35994999995 | 2499812.3243139954 | 4310096 | 8944492.28598 | 15121875.27614 | 37451750.246383995 | 721680.7999903089 | 721680.7999903089 | 42164 | 42164 | 38215595.046374306 Dotation à la provision pour créances douteuses | 200000 | 0 | -110177.50237774235 | 50889 | 930811.85158 | 639125.62593 | 1710648.9751322577 | 77930.38397 | 77930.38397 | 0 | 0 | 1788579.3591022578 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 6057121 | 318353.35994999995 | 2609989.826691738 | 4259207 | 8013680.4344 | 14482749.65021 | 35741101.27125174 | 643750.416020309 | 643750.416020309 | 42164 | 42164 | 36427015.68727205 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 3108981 | 179245.13546000002 | 907237.3057400002 | 1231081 | 2481261.66446 | 4473376.95361 | 12381183.059270002 | 169130.05598 | 169130.05598 | 16745 | 16745 | 12567058.115250003 Frais de locaux | 136569 | 19248.0312 | 354023.4686931417 | 371884 | 219822.52106999996 | 357672.22109 | 1459219.2420531418 | 91882.0673 | 91882.0673 | 658 | 658 | 1551759.3093531418 Amortissement | 223462 | 8943.06292 | 109648.67449 | 149079 | 362196.27106999996 | 760168.15259 | 1613497.16107 | 19573.978320000002 | 19573.978320000002 | 8397 | 8397 | 1641468.13939 Autres dépenses d'exploitation | 1042727 | 85751.63003 | 809285.2448915057 | 1487654 | 2843255.59037 | 3843055.2445799997 | 10111728.709871504 | 146040.76917 | 146040.76917 | 64895 | 64895 | 10322664.479041504 4511739 | 293187.85961000004 | 2180194.693814648 | 3239698 | 5906536.04697 | 9434272.57187 | 25565628.17226465 | 426626.87077000004 | 426626.87077000004 | 90695 | 90695 | 26082950.043034647 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1545382 | 25165.50033999991 | 429795.13287709 | 1019509 | 2107144.38743 | 5048477.078340001 | 10175473.098987088 | 217123.54525030893 | 217123.54525030893 | -48531 | -48531 | 10344065.644237403 Impôts sur le revenu | 0 | 0 | 128750.63385821017 | 161812 | 394755.8 | 998426.55904 | 1683744.9928982102 | 57447.28121 | 57447.28121 | 0 | 0 | 1741192.27410821 BÉNÉFICE NET (PERTE NETTE) | 1545382 | 25165.50033999991 | 301044.49901887984 | 857697 | 1712388.58743 | 4050050.5193000017 | 8491728.106088877 | 159676.26404030895 | 159676.26404030895 | -48531 | -48531 | 8602873.370129192 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME CUMUL 2024 (Octobre 2023 - Septembre 2024) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 2006413 | 45746.41844 | 1445315.479754684 | 2029199 | 3534706.7425700002 | 5882080.111574 | 14943460.752338683 | 527457.5044 | 527457.5044 | 18778 | 18778 | 15489696.256738683 Intérêts sur Bons B.R.H. | 358998 | 0 | 2457 | 33433 | 874513.15604 | 60574.75 | 1329975.90604 | 0 | 0 | 0 | 0 | 1329975.90604 Autres | 4080596 | 198085.68393 | 261965.55777314102 | 408334 | 1005277.59728 | 3396708.26963 | 9350967.10861314 | 163101.1183 | 163101.1183 | 54554 | 54554 | 9568622.226913141 6446007 | 243832.10237 | 1709738.037527825 | 2470966 | 5414497.495890001 | 9339363.131204 | 25624403.766991824 | 690558.6227 | 690558.6227 | 73332 | 73332 | 26388294.389691822 Dépenses d'intérêt | 654151 | 111299.08995 | 488299.81146999996 | 540176 | 978051.4258999999 | 1176024.27877 | 3948001.60609 | 187899.14898300503 | 187899.14898300503 | 945 | 945 | 4136845.755073005 5791856 | 132533.01242 | 1221438.2260578251 | 1930790 | 4436446.069990001 | 8163338.852434 | 21676402.160901822 | 502659.4737169949 | 502659.4737169949 | 72387 | 72387 | 22251448.63461882 0 AUTRES REVENUS | 0 Commissions | 874371 | 26498.617250000003 | 667433.6716399996 | 1181858 | 1999581.3535899997 | 2707712.93107 | 7457455.573549999 | 25630.743199999997 | 25630.743199999997 | 66365 | 66365 | 7549451.316749999 Gains sur change | 236525 | 4301.695449999999 | 276698.622861131 | 588094 | 1138175.53614 | 1723879.78565 | 3967674.640101131 | 14464.422600000002 | 14464.422600000002 | 61353 | 61353 | 4043492.062701131 Autres | 79810 | 52087.940180000005 | 231389.61031468277 | 706481 | 590186.84618 | 1482127.89368 | 3142083.290354683 | 71744.04011 | 71744.04011 | 147459 | 147459 | 3361286.330464683 1190706 | 82888.25288000001 | 1175521.9048158133 | 2476433 | 3727943.73591 | 5913720.6104 | 14567213.504005812 | 111839.20591 | 111839.20591 | 275177 | 275177 | 14954229.709915813 PRODUIT NET BANCAIRE | 6982562 | 215421.26530000003 | 2396960.130873638 | 4407223 | 8164389.8059 | 14077059.462834 | 36243615.664907634 | 614498.6796269949 | 614498.6796269949 | 347564 | 347564 | 37205678.344534636 0 | 0 Dotation à la provision pour créances douteuses | 1010000 | 0 | 20201.867648009804 | 174931 | 1061089.0807299998 | 1062153.2719200002 | 3328375.22029801 | 72875.55066 | 72875.55066 | 0 | 0 | 3401250.77095801 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0 ET IMPÔTS SUR LE REVENU | 5972562 | 215421.26530000003 | 2376758.2632256285 | 4232292 | 7103300.72517 | 13014906.190914001 | 32915240.444609623 | 541623.1289669949 | 541623.1289669949 | 347564 | 347564 | 33804427.57357663 0 DÉPENSES D'EXPLOITATION | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Salaires et avantages sociaux | 2771651 | 130912.36581000002 | 857126.00793 | 1169432 | 2407360.3928199997 | 4054028.44801 | 11390510.214569999 | 161999.09005 | 161999.09005 | 79795 | 79795 | 11632304.30462 Frais de locaux | 208035 | 19626.886700000003 | 447737.2332157599 | 371468 | 224885.38698999997 | 371511.49964 | 1643264.00654576 | 91870.23842000001 | 91870.23842000001 | 1362 | 1362 | 1736496.24496576 Amortissement | 225554 | 7243.06201 | 98637.15772000002 | 140154 | 381523.54412000004 | 770276.4963 | 1623388.26015 | 16117.863720000001 | 16117.863720000001 | 14102 | 14102 | 1653608.12387 Autres dépenses d'exploitation | 1352256 | 96179.96263 | 825651.9179469999 | 1506195 | 2814079.86638 | 3898453.24355 | 10492815.990507 | 127587.84571000002 | 127587.84571000002 | 121560 | 121560 | 10741963.836217 4557496 | 253962.27715 | 2229152.3168127597 | 3187249 | 5827849.1903099995 | 9094269.6875 | 25149978.47177276 | 397575.03790000005 | 397575.03790000005 | 216819 | 216819 | 25764372.50967276 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1415066 | -38541.01184999998 | 147605.9464128688 | 1045043 | 1275451.534860001 | 3920636.5034140013 | 7765261.972836863 | 144048.09106699488 | 144048.09106699488 | 130745 | 130745 | 8040055.063903868 0 Impôts sur le revenu | 0 | 0 | 19536.954761395842 | 206041 | 351440 | 870107.9118600001 | 1447125.866621396 | 37701.307675900025 | 37701.307675900025 | 40611 | 40611 | 1525438.174297296 0 BÉNÉFICE NET (PERTE NETTE) | 1415066 | -38541.01184999998 | 128068.99165147296 | 839002 | 924011.534860001 | 3050528.591554001 | 6318136.106215468 | 106346.78339109485 | 106346.78339109485 | 90134 | 90134 | 6514616.889606573 [pageint.sect4] SECTION 4 STATISTIQUES PAR BANQUE [bncinfin ] BANQUE NATIONALE DE CRÉDIT (BNC) INDICATEURS FINANCIERS Var.sept 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 | 0.044064672071485275 | 130581298 | 0.010545246686091296 | 131958310 | 0.11470098157514362 | 118380006.99841 | 0.001867986908937221 | 118159286.99713 | -0.017587811870776376 | 120274655.00213 | 0.16181561174710765 | 103523015 Bons B.R.H. | 15000000 | 0.28 | 19200000 | 0.06770833333333333 | 20500000 | -0.15609756097560976 | 17300000 | 0.1610738255033557 | 14900000 | 0 | 0 | 0 | 800000 | -0.2 | 1000000 Prêts nets | 15729675 | -0.034571597951006616 | 15185875 | -0.015169096281906706 | 14955519 | -0.07004109987757696 | 13908018 | -0.11984953167550359 | 15801864 | -0.2062783012541835 | 19908570 | -0.096443949744878 | 22033575 | -0.09050578950008019 | 24226185 Dépôts | 98246412 | -0.009187582341429426 | 97343765 | 0.03876398246975551 | 101117197 | 0.025171376140895204 | 103662456 | 0.11293490019746343 | 93143324 | 0.01014022477865363 | 92208311 | 0.001240622942694337 | 92094057 | 0.17949430932194144 | 78079272 Avoir des Actionnaires | 11750872 | 0.020341128726446854 | 11989898 | 0.049587744616342855 | 12584450 | -0.03157785997798871 | 12187060 | 0.07180249873775583 | 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 - sept 25) | (oct. 23- sept 24) Résultats Revenus nets d'intérêt | 1359275 | -0.06326279707306451 | 1451074 | 1190152 | -0.17242280873031104 | 1438116 | 1291105 | -0.13149250729359152 | 1486579 | 1321414 | -0.06685535563846007 | 1416087 | 5161946 | -0.10875788348329102 | 5791856 Autres revenus | 299216 | -0.1390359559872934 | 347536 | 169852 | -0.288902658053496 | 238859 | 315774 | 0.10366111528581165 | 286115 | 310333 | -0.024711184301499704 | 318196 | 1095175 | -0.08023055229418513 | 1190706 Dot. à la prov. pr créances douteuses | 170000 | -0.43333333333333335 | 300000 | 0 | 200000 | 30000 | -0.8888888888888888 | 270000 | 0 | -1 | 240000 | 200000 | -0.801980198019802 | 1010000 Dépenses d'exploitation | 1108240 | 0.04398875600069333 | 1061544 | 1120978 | 0.031866997926099934 | 1086359 | 982329 | -0.13999998249059087 | 1142243 | 1300192 | 0.025913914861719334 | 1267350 | 4511739 | -0.010039942986236302 | 4557496 Bénéfice (perte) net | 380251 | -0.1299918090174024 | 437066 | 239026 | -0.38807934134802463 | 390616 | 594550 | 0.6494613692291047 | 360451 | 331555 | 0.46102594157747 | 226933 | 1545382 | 0.09209181762546764 | 1415066 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 - sept 25) | (oct. 23- sept 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 | 0.09637252954860351 | 0.10556551565757094 | 0.0923553810290538 | 0.09605186963836489 | 0.0923553810290538 | 0.09605186963836489 | 0.09605186963836489 | 0.09700061917501576 | 0.08183439811010634 | 0.08406153935914637 Dépôts en % de l'actif | 0.7862614453536114 | 0.7721567159889912 | 0.7783134923572955 | 0.7697804059876 | 0.7743620146891173 | 0.7719105979646411 | 0.7855697454749155 | 0.7868163413882129 | 0.7855697454749155 | 0.7868163413882129 | 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 | 0.5030773553472412 | 0.4039337404805326 | 0.4853311719102582 | 0.4523539539627359 | 0.4853311719102582 | 0.4523539539627359 | 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 | 0.5093825890550449 | 0.4352625722351555 | 0.5569684566829493 | 0.5450641831583191 | 0.5569684566829493 | 0.5450641831583191 | 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 | 0.39438751792887256 | 0.39859958258156725 | 0.3362816790924144 | 0.37958155495640916 | 0.3362816790924144 | 0.37958155495640916 | 0.37958155495640916 | 0.3265283046128944 | 0.16951337268064426 | 0.17351669167153894 Rentabilité ROA (rendement de l'actif) | 0.012501374705984752 | 0.014779221419122721 | 0.007648097905019327 | 0.013069108924284001 | 0.018605020706671447 | 0.011989518040499606 | 0.010103008914373027 | 0.007621353539365628 | 0.012346348082301882 | 0.011964743583167042 | 0.011964743583167042 | 0.013168167139600218 | 0.013424277485871085 | 0.012804772919886341 ROE ( rendement avoir des action.) | 0.13156624444623882 | 0.14967940012281616 | 0.08054532350888366 | 0.12919440327699128 | 0.19355142199500064 | 0.11562708372069729 | 0.10707623394778921 | 0.07558047413106543 | 0.1311998409351073 | 0.12395383788951936 | 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 | 0.8831015066907796 | 0.9002400512561511 | 0.8798627817458705 | 0.8992073364714758 | 0.8827397436436772 | 0.8985184161295512 | 0.8985184161295512 | 0.8993440556615856 | 0.8894728611533587 | 0.8742902521344234 Rendement moyen des prêts | 0.08561352960488729 | 0.09199836448043659 | 0.04914283387368104 | 0.08774605301122623 | 0.0686823439366096 | 0.09003795626455967 | 0.08065749912774924 | 0.08851566054730664 | 0.07205507855811608 | 0.090355143987379 | 0.090355143987379 | 0.08914980071130708 | 0.07913494619422924 | 0.0788273284435848 Rendement moyen des prêts productifs | 0.15558679563868433 | 0.13345296095770823 | 0.0931862262200796 | 0.13770482345355875 | 0.13762750963635312 | 0.15254673143927325 | 0.15954144666056158 | 0.15461481469977276 | 0.13545582054140123 | 0.14511965277975675 | 0.14511965277975675 | 0.11980193358112166 | 0.09738041457047548 | 0.09286895347513731 Rémunération moyenne des dépôts | 0.007034860009420777 | 0.007336750601620083 | 0.006792242945820331 | 0.007041736188248065 | 0.006889294429601727 | 0.007108470465229726 | 0.007048629973017876 | 0.006840355331960396 | 0.006968250627598437 | 0.007058486427702675 | 0.007058486427702675 | 0.006733315548067185 | 0.006003690507811597 | 0.007464132650801321 Dépenses d'exploitation en % du produit net bancaire | 0.6682218956871036 | 0.5902024341018898 | 0.8242461051585143 | 0.647808703170888 | 0.6113272996908915 | 0.6443542991627432 | 0.7968097995583874 | 0.7307630876852278 | 0.7210566968418862 | 0.6526968181592946 | 0.6526968181592946 | 0.6617718116162404 | 0.6507434355959172 | 0.6400812257592949 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 8615.537662337661 | 8822.121397915389 | 7060.371187540558 | 8033.413173652694 | 8095.10831234257 | 8754.044444444444 | 7576.306442251886 | 8837.110828025478 | 7484.594497607655 | 9027.229476405946 | 9027.229476405946 | 10669.382322923046 | 6754.8363997558 | 5654.609610621538 [bncvar] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept 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 | -0.051143765817548974 | 9290574 | 0.09236167754543476 | 10148667 | 0.12286274004758466 | 9038208 | 0.737295716755426 | 5202458 | -0.11195439377446413 | 5858323 | 0.18497830525081502 | 4943823 Avoirs à la BRH | 42356511 | -0.10589139412356226 | 37871321 | 0.05607882017107352 | 39995100 | 0.049350470432627996 | 41968877 | 0.18437949313240468 | 35435329 | -0.080507078965869 | 38537903 | 0.0014565306925318799 | 38481853 | 0.20349147715429378 | 31975177 Avoirs à l'étranger | 1901499 | -0.22297040387609984 | 1477521 | 0.27910533928113374 | 1889905 | 0.23214129810757683 | 2328630 | 0.13777803402345398 | 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 | 0.587612462881709 | 716426 | 1.1385544354894992 | 1532116 | 3.217045814238333 | 363315 | -0.4727137358714015 | 689028 | 0.2645778427068574 | 544868 | 0.6701600370282954 | 326237 52764048 | -0.06012817667059965 | 49591442 | 0.04639032274963894 | 51892005 | 0.07874594554594681 | 55978290 | 0.19398703582256094 | 46883499 | -0.008302435876297077 | 47276005 | -0.05155582764775458 | 49845849 | 0.15996921229553404 | 42971700 Bons B.R.H. | 15000000 | 0.28 | 19200000 | 0.06770833333333333 | 20500000 | -0.15609756097560976 | 17300000 | 0.1610738255033557 | 14900000 | 0 | 0 | 0 | 800000 | -0.2 | 1000000 Bons du Trésor / M.E.F. | 18883000 | -0.03156278133771117 | 18287000 | 0.15437195822168753 | 21110000 | 0.059597347228801514 | 22368100 | 0.28147235749069033 | 17455000 | -0.3606227106227106 | 27300000 | 0.05813953488372093 | 25800000 | 0.425414364640884 | 18100000 Autres Placements | 16201275 | 0.005232304247659521 | 16286045 | -0.006286363570774857 | 16183665 | 0.00982830526954185 | 16342723 | -0.04097291581332955 | 17040940 | -0.042690717623271486 | 17800872 | 0.18835284339545177 | 14979450 | 0.24755154854898515 | 12007079 Portefeuille net | 15729675 | -0.034571597951006616 | 15185875 | -0.015169096281906706 | 14955519 | -0.07004109987757696 | 13908018 | -0.11984953167550359 | 15801864 | -0.2062783012541835 | 19908570 | -0.096443949744878 | 22033575 | -0.09050578950008019 | 24226185 Immobilisations | 2847591.9984100005 | -0.0051622558351787935 | 2832892 | -0.010000028239692866 | 2804563 | -0.08020215627176142 | 2579631 | -0.10156391983532134 | 2871245.9984100005 | -0.02094039595496456 | 2932656.99713 | -0.012998776612205007 | 2971280.00213 | 0.07784804831394886 | 2756678 Autres actifs | 3528282 | 0.04494765441084358 | 3686870 | -0.14953714126074422 | 3135546 | 0.11034824556871435 | 3481548 | 0.015781375001531747 | 3427458 | 0.16533313296044483 | 2941183 | -0.2349636532803607 | 3844501 | 0.5619335224689634 | 2461373 124953871.99841 | 0.0009303593376560422 | 125070124 | 0.044064672071485275 | 130581298 | 0.010545246686091296 | 131958310 | 0.11470098157514362 | 118380006.99841 | 0.001867986908937221 | 118159286.99713 | -0.017587811870776376 | 120274655.00213 | 0.16181561174710765 | 103523015 PASSIF Dépôts À vue | 46122647 | -0.03696975587719412 | 44417504 | 0.030362399472063987 | 45766126 | 0.01745856750033857 | 46565137 | 0.08689499789589045 | 42842351 | -0.0012128163940567124 | 42894374 | -0.05901912889895229 | 45584746 | 0.17756926391991626 | 38710883 Épargne | 39774079 | 0.019048737747013576 | 40531725 | 0.04854621904199735 | 42499387 | 0.01759293610517253 | 43247076 | 0.13691232117723204 | 38039060 | 0.02638736044503788 | 37061115 | 0.08604302341647545 | 34124905 | 0.1983036327610699 | 28477678 À terme | 12349686 | 0.003631671282978369 | 12394536 | 0.03688302652071848 | 12851684 | 0.07769868913676993 | 13850243 | 0.12953362171139202 | 12261913 | 0.0007419515275746273 | 12252822 | -0.010624974665720746 | 12384406 | 0.1371531206732049 | 10890711 98246412 | -0.009187582341429426 | 97343765 | 0.03876398246975551 | 101117197 | 0.025171376140895204 | 103662456 | 0.11293490019746343 | 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 Banques à l'étranger | 0 | - | 0 | - | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4977297 | 0.25174929283906505 | 6230328 | -0.0029176634039170973 | 6212150 | -0.09800809703564789 | 5603309 | 0.3437536646623786 | 4169893 | -0.12660307531576623 | 4774339 | 0.08141253162578625 | 4414910 | 0.4966435854548364 | 2949874 4977297 | 0.25174929283906505 | 6230328 | -0.0029176634039170973 | 6212150 | -0.09800809703564789 | 5603309 | 0.3437536646623786 | 4169893 | -0.12660307531576623 | 4774339 | 0.08141253162578625 | 4414910 | 0.4966435854548364 | 2949874 Obligations à terme Banques locales | 2002485 | -0.02043361123803674 | 1961567 | -0.020861382761842955 | 1920646 | -0.001311017230660934 | 1918128 | -0.061305207646671064 | 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 Autres | 6786556 | -0.0282576317059787 | 6594784 | 0.04654511808119872 | 6901739 | 0.048076434069732284 | 7233550 | 0.07058389968978664 | 6756640 | 0.037368600524868616 | 6513249 | 0.0033361616071989736 | 6491592 | 0.23621209339738986 | 5251196 8789041 | -0.026475015874883278 | 8556351 | 0.031091992369177 | 8822385 | 0.03732471434878437 | 9151678 | 0.0399588001825901 | 8800039 | -0.007262631342520175 | 8864418 | -0.29667682776853 | 12603620 | -0.006940672843980271 | 12691709 Autres passifs | 1190250 | -0.20203150598613737 | 949782 | 0.9426731607884756 | 1845116 | -0.26627539948707835 | 1353807 | 0.5107261223260018 | 896130 | 0.053409271242924904 | 850695 | -0.3552722923853929 | 1319464 | 0.1996697749523574 | 1099856 113203000 | -0.0010845472293137108 | 113080226 | 0.04347906060958881 | 117996848 | 0.01503770676992999 | 119771250 | 0.11925929562851617 | 107009386 | 0.002920614183823142 | 106697763 | -0.03381525531930943 | 110432051 | 0.16464061316730688 | 94820711 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 Réserves | 1623185 | 0.05666144031641495 | 1715157 | 0 | 1715157 | -0.09492192259950546 | 1552351 | -0.04363889513518176 | 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 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 7127687 | 0.020631377331804833 | 7274741 | 0.08172827046351204 | 7869293 | -0.029810047738723162 | 7634709 | 0.13149780153527948 | 6747436 | 0.22811683446993994 | 5494132 | 0.1704272894309376 | 4694125 | 0.305393266363492 | 3595947 11750872 | 0.020341128726446854 | 11989898 | 0.049587744616342855 | 12584450 | -0.03157785997798871 | 12187060 | 0.07180249873775583 | 11370621 | -0.007931144235269236 | 11461524 | 0.16448086299113526 | 9842604 | 0.1310342640293881 | 8702304 124953872 | 0.0009303593249195191 | 125070124 | 0.044064672071485275 | 130581298 | 0.010545246686091296 | 131958310 | 0.11470098156017172 | 118380007 | 0.0018679868980590582 | 118159287 | -0.017587811829516367 | 120274655 | 0.1618156117265325 | 103523015 Hors-bilan Effets à l'encaissement | 1623465 | 0.001520205240026733 | 1625933 | 0.0020831116657328438 | 1629320 | -0.0008451378489185672 | 1627943 | -0.00497408135660765 | 1636081 | 1670693 | 1464704 | 1211933 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4719125 | -0.03230281037268561 | 4566684 | 0.02122240119964508 | 4663600 | 0.2632080367098379 | 5891097 | 0.20140654634444785 | 4903500 | 3933127 | 4662878 | 4577443 Portefeuille brut | 20850473 | -0.026036819404528618 | 20307593 | -0.009803869912106274 | 20108500 | -0.052128105030211105 | 19060282 | -0.09119949878439003 | 20973010 | -0.10519719634561565 | 23438695 | -0.0863140585932172 | 25652901 | -0.06243855144168766 | 27361301 Provisions pour créances douteuses | 5120798 | 0.00017965949838286924 | 5121718 | 0.006104006507191532 | 5152981 | -0.00013914276027798277 | 5152264 | -0.0036514149861558735 | 5171146 | 0.46486200913565384 | 3530125 | -0.024645748959889215 | 3619326 | 0.1544472357641631 | 3135116 Portefeuille de crédit improductif | 9322378 | 0.08668689469575253 | 10130506 | -0.0014189814408085836 | 10116131 | -0.0855645305502667 | 9250549 | -0.024946707277070723 | 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 | 9290574 | 0.07114781475062379 | 10148667 | 0.07690813106048418 | 9038208 | 0.07634910851222872 | 5202458 | 0.04402919256043212 | 5858323 | 0.048707876151432336 | 4943823 | 0.047755786478977644 Avoirs à la BRH | 42356511 | 0.3389771787187113 | 37871321 | 0.30280069923013747 | 39995100 | 0.30628505469443257 | 41968877 | 0.31804648756110926 | 35435329 | 0.2993354190330124 | 38537903 | 0.32615212887105566 | 38481853 | 0.3199498098690743 | 31975177 | 0.3088702256208438 Avoirs à l'étranger | 1901499 | 0.015217607662643667 | 1477521 | 0.01181354069817665 | 1889905 | 0.014473014351565106 | 2328630 | 0.017646709782809435 | 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 | 716426 | 0.005486436503334497 | 1532116 | 0.011610606410464032 | 363315 | 0.0030690570917509727 | 689028 | 0.0058313486608694235 | 544868 | 0.004530197987184837 | 326237 | 0.003151347553005484 52764048 | 0.4222682111097078 | 49591442 | 0.39650909756833697 | 51892005 | 0.39739232029995597 | 55978290 | 0.4242119348148669 | 46883499 | 0.3960423739511158 | 47276005 | 0.4001040138397949 | 49845849 | 0.4144335229988168 | 42971700 | 0.41509320415368506 Bons B.R.H. | 15000000 | 0.12004429922900564 | 19200000 | 0.15351387994146387 | 20500000 | 0.15699032184532274 | 17300000 | 0.13110201244620365 | 14900000 | 0.12586584827791172 | 0 | 0 | 800000 | 0.006651442899468989 | 1000000 | 0.0096596877515594 Bons du Trésor / M.E.F. | 18883000 | 0.15111976682275424 | 18287000 | 0.14621397512966405 | 21110000 | 0.16166174117828114 | 22368100 | 0.16950883957213456 | 17455000 | 0 | 27300000 | 0 | 25800000 | 0 | 18100000 | 0 Autres Placements | 16201275 | 0.12965804693276056 | 16286045 | 0.13021531025267075 | 16183665 | 0.12393555009692123 | 16342723 | 0.12384762278328663 | 17040940 | 0.14395116567469776 | 17800872 | 0.15065148455434035 | 14979450 | 0.12454369542556344 | 12007079 | 0.11598463394830609 Portefeuille net | 15729675 | 0.1258838541650006 | 15185875 | 0.12141888497687905 | 14955519 | 0.11453032883774826 | 13908018 | 0.10539706063225575 | 15801864 | 0.13348422931088558 | 19908570 | 0.1684892529901908 | 22033575 | 0.18319383247958432 | 24226185 | 0.23401738251151205 Immobilisations | 2847591.9984100005 | 0.022789145729283485 | 2832892 | 0.022650429290371536 | 2804563 | 0.021477524292950436 | 2579631 | 0.019548833264081664 | 2871245.9984100005 | 0.024254484107680153 | 2932656.99713 | 0.024819521779961586 | 2971280.00213 | 0.02470412409062724 | 2756678 | 0.02662864871159326 Autres actifs | 3528282 | 0.028236676011487633 | 3686870 | 0.029478422840613798 | 3135546 | 0.024012213448820215 | 3481548 | 0.026383696487170833 | 3427458 | 0.028953014000464076 | 2941183 | 0.02489167863776496 | 3844501 | 0.03196434859806429 | 2461373 | 0.023776094620119013 124953871.99841 | 1 | 125070124 | 1 | 130581298 | 1 | 131958310 | 1 | 118380006.99841 | 1 | 118159286.99713 | 1 | 120274655.00213 | 1 | 103523015 | 1 PASSIF Dépôts À vue | 46122647 | 0.36911738918012 | 44417504 | 0.3551408008518485 | 45766126 | 0.3504799439196875 | 46565137 | 0.3528776399152126 | 42842351 | 0.3619052920023516 | 42894374 | 0.36302160490391133 | 45584746 | 0.37900541888224676 | 38710883 | 0.373935042367149 Épargne | 39774079 | 0.3183100960689407 | 40531725 | 0.3240719982015849 | 42499387 | 0.3254630460175086 | 43247076 | 0.32773287260196043 | 38039060 | 0.3213301043351933 | 37061115 | 0.3136538476311234 | 34124905 | 0.2837248213216298 | 28477678 | 0.2750854773694526 À terme | 12349686 | 0.09883396010455078 | 12394536 | 0.09910069330386208 | 12851684 | 0.09841902475192121 | 13850243 | 0.10495923295774248 | 12261913 | 0.103580945050668 | 12252822 | 0.10369749438567288 | 12384406 | 0.10296771169105144 | 10890711 | 0.10520086765247322 98246412 | 0.7862614453536114 | 97343765 | 0.7783134923572955 | 101117197 | 0.7743620146891173 | 103662456 | 0.7855697454749155 | 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 | 6212150 | 0.047573045261044965 | 5603309 | 0.042462721749013 | 4169893 | 0.03522463890423665 | 4774339 | 0.04040595641133113 | 4414910 | 0.0367069022141183 | 2949874 | 0.028494861746443532 4977297 | 0.039833075361308805 | 6230328 | 0.04981467836395525 | 6212150 | 0.047573045261044965 | 5603309 | 0.042462721749013 | 4169893 | 0.03522463890423665 | 4774339 | 0.04040595641133113 | 4414910 | 0.0367069022141183 | 2949874 | 0.028494861746443532 Obligations à terme Banques locales | 2002485 | 0.016025793902773026 | 1961567 | 0.015683737548705078 | 1920646 | 0.014708430911752769 | 1918128 | 0.01453586363753825 | 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 | 6901739 | 0.05285396228792273 | 7233550 | 0.0548169342271813 | 6756640 | 0.05707585403412546 | 6513249 | 0.05512261596634551 | 6491592 | 0.05397306689331212 | 5251196 | 0.050724913682237714 8789041 | 0.07033828451599994 | 8556351 | 0.06841242917453252 | 8822385 | 0.0675623931996755 | 9151678 | 0.06935279786471954 | 8800039 | 0.07433720628279905 | 8864418 | 0.07502091647028396 | 12603620 | 0.10479032344575669 | 12691709 | 0.1225979459736562 Autres passifs | 1190250 | 0.009525515143821599 | 949782 | 0.0075939958290918465 | 1845116 | 0.014130017301558757 | 1353807 | 0.01025935388229813 | 896130 | 0.007569943799817787 | 850695 | 0.007199561046950653 | 1319464 | 0.010970424317381188 | 1099856 | 0.010624265531679115 113203000 | 0.9059583203747418 | 113080226 | 0.9041345957248751 | 117996848 | 0.9036274704513965 | 119771250 | 0.9076446189709462 | 107009386 | 0.9039481303750664 | 106697763 | 0.9029993808492734 | 110432051 | 0.9181656018721842 | 94820711 | 0.9159384606408536 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0.02400885984580113 | 3000000 | 0.02398654374085373 | 3000000 | 0.022974193440778938 | 3000000 | 0.022734453025353235 | 3000000 | 0.025342117102935244 | 3000000 | 0.02538945584592828 | 3000000 | 0.024942910873008713 | 3000000 | 0.028979063254678198 Réserves | 1623185 | 0.01299027372293557 | 1715157 | 0.013713562800977155 | 1715157 | 0.013134782899768695 | 1552351 | 0.01176395029612004 | 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 | 7869293 | 0.060263553208055876 | 7634709 | 0.057856977707580526 | 6747436 | 0.05699810441885366 | 5494132 | 0.04649767394190055 | 4694125 | 0.03902838050058734 | 3595947 | 0.034735725191156766 11750872 | 0.09404167963798293 | 11989898 | 0.09586540427512488 | 12584450 | 0.09637252954860351 | 12187060 | 0.0923553810290538 | 11370621 | 0.09605186963836489 | 11461524 | 0.09700061917501576 | 9842604 | 0.08183439811010634 | 8702304 | 0.08406153935914637 124953872 | 1.0000000000127247 | 125070124 | 1 | 130581298 | 1 | 131958310 | 1 | 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) Septembre 25 | Septembre 24 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 5669310 | 4479357 | 10148667 | 0.55862607374939 | 5110723 | 3927485 | 9038208 | 0.5654575553029981 Avoirs à la BRH | 14461131 | 27507746 | 41968877 | 0.3445679759313074 | 13717556 | 21717773 | 35435329 | 0.38711524309538653 Avoirs à l'étranger | 2328630 | 0 | 2328630 | 1 | 2046647 | 0 | 2046647 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 1037775 | 494341 | 1532116 | 0.6773475376538068 | 67495 | 295820 | 363315 | 0.18577542903541006 23496846 | 32481444 | 55978290 | 0.4197492635091211 | 20942421 | 25941078 | 46883499 | 0.446690657623485 Bons B.R.H. | 0 | 17300000 | 17300000 | 0 | 0 | 14900000 | 14900000 | 0 Bons du Trésor / M.E.F. | 0 | 22368100 | 22368100 | 0 | 0 | 17455000 | 17455000 | 0 Autres Placements | 17104548 | -761825 | 16342723 | 1.0466155487062958 | 16673368 | 367572 | 17040940 | 0.9784300631303203 Portefeuille net | 4291385 | 9616633 | 13908018 | 0.3085547487787261 | 4867965 | 10933899 | 15801864 | 0.3080627070325374 Immobilisations | 0 | 2579631 | 2579631 | 0 | 0 | 2871245.9984100005 | 2871245.9984100005 | 0 Autres actifs | 192536 | 3289012 | 3481548 | 0.05530183699894415 | 599008 | 2828450 | 3427458 | 0.17476742238708687 45085315 | 86872995 | 131958310 | 0.3416633253335845 | 43082762 | 75297244.99841 | 118380006.99841 | 0.36393613324062957 PASSIF Dépôts À vue | 16820994 | 29744143 | 46565137 | 0.361235788912207 | 16845203 | 25997148 | 42842351 | 0.3931904437270494 Épargne | 16804238 | 26442838 | 43247076 | 0.3885635643898792 | 15973481 | 22065579 | 38039060 | 0.4199231263864039 À terme | 6806395 | 7043848 | 13850243 | 0.49142783993031747 | 6616811 | 5645102 | 12261913 | 0.5396230588163528 40431627 | 63230829 | 103662456 | 0.3900315365863992 | 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 | 1870469 | 3732840 | 5603309 | 0.33381507248663245 | 901653 | 3268240 | 4169893 | 0.2162292893366808 1870469 | 3732840 | 5603309 | 0.33381507248663245 | 901653 | 3268240 | 4169893 | 0.2162292893366808 Obligations à terme Banques locales | 0 | 1918128 | 1918128 | 0 | 0 | 2043399 | 2043399 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2761587 | 4471963 | 7233550 | 0.38177478554789834 | 2749321 | 4007319 | 6756640 | 0.4069065393449999 2761587 | 6390091 | 9151678 | 0.30175744819693173 | 2749321 | 6050718 | 8800039 | 0.3124214563140004 Autres passifs | 0 | 1353807 | 1353807 | 0 | 0 | 896130 | 896130 | 0 45063683 | 74707567 | 119771250 | 0.37624791425321186 | 43086469 | 63922917 | 107009386 | 0.40264196077155323 AVOIR DES ACTIONNAIRES Capital versé | 0 | 3000000 | 3000000 | 0 | 0 | 3000000 | 3000000 | 0 Réserves | 0 | 1552351 | 1552351 | 0 | 0 | 1623185 | 1623185 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 7634709 | 7634709 | 0 | 0 | 6747436 | 6747436 | 0 0 | 12187060 | 12187060 | 0 | 0 | 11370621 | 11370621 | 0 45063683 | 86894627 | 131958310 | 0.3414993947709697 | 43086469 | 75293538 | 118380007 | 0.36396744764510786 *Converties au taux de 130.6911 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 | 0.3724112835603651 | 346984 | 0.1381129965646831 | 394907 | 532071 | -0.06692339932076734 | 496463 | 0.009666379971921372 | 501262 | -0.04916590525513604 | 476617 Intérêts sur bons B.R.H. | 296546 | 0.16125660099950767 | 344366 | -0.15918818931021064 | 289547 | -0.0870670392026165 | 264337 | 0 | 0 | 11136 | 8.686512212643677 | 107869 | 1.2248560754248208 | 239993 Autres | 783447 | -0.0311788800008169 | 759020 | 0.08756159257990567 | 825481 | 0.02073457777950068 | 842597 | 1087428 | 0.00491986595894165 | 1092778 | -0.04629943135751269 | 1042183 | -0.17652945787831886 | 858207 1527575 | -0.11217845277645942 | 1356214 | 0.07800981261069419 | 1462012 | 0.02724259445202912 | 1501841 | 1619499 | -0.011807355237638307 | 1600377 | 0.03182812549792955 | 1651314 | -0.04632492669474128 | 1574817 Dépenses d'intérêt | 168300 | -0.013297682709447416 | 166062 | 0.029175849983741012 | 170907 | 0.0557028091301117 | 180427 | 168425 | -0.0365978922369007 | 162261 | 0.015247040262293465 | 164735 | -0.036452484292955355 | 158730 1359275 | -0.12442147468319509 | 1190152 | 0.08482361916797182 | 1291105 | 0.023475240201222984 | 1321414 | 1451074 | -0.008929937411875618 | 1438116 | 0.03369895057144208 | 1486579 | -0.04741893972671483 | 1416087 AUTRES REVENUS Commissions | 217710 | -0.5182720132286068 | 104877 | 1.1467719328356074 | 225147 | -0.2839344961291956 | 161220 | 264052 | -0.36030403102419223 | 168913 | 0.2471272193377656 | 210656 | 0.09538774115145071 | 230750 Gains sur change | 67594 | -0.15411131165488062 | 57177 | -0.08844465431904437 | 52120 | 0.0034151957022256333 | 52298 | 65950 | -0.16776345716451857 | 54886 | 0.09672776299967205 | 60195 | -0.07809618739097932 | 55494 Autres | 13912 | -0.4394767107533065 | 7798 | 3.9380610412926393 | 38507 | 1.5142181940945802 | 96815 | 17534 | -0.14109729668073456 | 15060 | 0.013545816733067729 | 15264 | 1.0932914046121593 | 31952 299216 | -0.4323431902037324 | 169852 | 0.8591126392388668 | 315774 | -0.017230677636537524 | 310333 | 347536 | -0.31270717278210025 | 238859 | 0.1978405670290841 | 286115 | 0.11212624294427066 | 318196 PRODUIT NET BANCAIRE | 1658491 | -0.17997504960834879 | 1360004 | 0.18152520139646647 | 1606879 | 0.015475963031441695 | 1631747 | 1798610 | -0.06762722324461667 | 1676975 | 0.05707837027981932 | 1772694 | -0.02166815028425662 | 1734283 Dotation à la provision pour créances douteuses | 170000 | 0 | 0 | 0 | 30000 | 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 | 0.15946644274575664 | 1576879 | 0.03479531403487522 | 1631747 | 1498610 | -0.014436711352520002 | 1476975 | 0.017413294063880567 | 1502694 | -0.005597280617344582 | 1494283 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 774761 | 0.012167623305767844 | 784188 | -0.23465546527108294 | 600174 | 0.5826377017331641 | 949858 | 715518 | 0.010518253908357303 | 723044 | -0.023340211660701146 | 706168 | -0.11222117116606813 | 626921 Frais de locaux | 32044 | 0.10148545749594308 | 35296 | -0.0011616047144152313 | 35255 | -0.03633527159268189 | 33974 | 36516 | 0.3243509694380545 | 48360 | 0.34276261373035566 | 64936 | -0.10337871134655661 | 58223 Amortissement | 57395 | -0.033870546214827074 | 55451 | -0.010261311788786497 | 54882 | 0.015524215589810868 | 55734 | 53436 | 0.08430646006437607 | 57941 | -0.021780776997290346 | 56679 | 0.014449796220822526 | 57498 Autres dépenses d'exploitation | 244040 | 0.008207670873627275 | 246043 | 0.18685758180480647 | 292018 | -0.10750022258901848 | 260626 | 256074 | 0.003670813905355483 | 257014 | 0.2235131160170263 | 314460 | 0.6686001399224066 | 524708 1108240 | 0.01149390023821555 | 1120978 | -0.12368574583979347 | 982329 | 0.3235809998483197 | 1300192 | 1061544 | 0.023376327311915475 | 1086359 | 0.051441558453513066 | 1142243 | 0.10952748233081752 | 1267350 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 380251 | -0.3713994177530105 | 239026 | 1.4873863094391404 | 594550 | -0.4423429484484064 | 331555 | 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 | 1.4873863094391404 | 594550 | -0.4423429484484064 | 331555 | 437066 | -0.10627685521179868 | 390616 | -0.07722417924508981 | 360451 | -0.3704192802905249 | 226933 0 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 (oct.24- sept. 25) | 2024 (oct.23-sept. 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 | 346984 | -0.3077791653865643 | 501262 | 394907 | -0.1714374434818733 | 476617 | 1442301 | -0.2811544781657615 | 2006413 | 2006413 Intérêts sur bons B.R.H. | 296546 | 0 | 0 | 344366 | 29.923670977011493 | 11136 | 289547 | 1.6842466324894085 | 107869 | 264337 | 0.10143629189184684 | 239993 | 1194796 | 2.328141103850161 | 358998 | 358998 Autres | 783447 | -0.2795412661803816 | 1087428 | 759020 | -0.305421595237093 | 1092778 | 825481 | -0.20793085283486681 | 1042183 | 842597 | -0.01818908491774129 | 858207 | 3210545 | -0.21321664776419916 | 4080596 | 4080596 1527575 | -0.05676076366827025 | 1619499 | 1356214 | -0.15256592665353227 | 1600377 | 1462012 | -0.1146371919574351 | 1651314 | 1501841 | -0.04633935244539524 | 1574817 | 5847642 | -0.09282723397601027 | 6446007 | 6446007 Dépenses d'intérêt | 168300 | -0.0007421701053881549 | 168425 | 166062 | 0.0234252223269917 | 162261 | 170907 | 0.03746623364798009 | 164735 | 180427 | 0.1366912366912367 | 158730 | 685696 | 0.04822281094120471 | 654151 | 654151 1359275 | -0.06326279707306451 | 1451074 | 1190152 | -0.17242280873031104 | 1438116 | 1291105 | -0.13149250729359152 | 1486579 | 1321414 | -0.06685535563846007 | 1416087 | 5161946 | -0.10875788348329102 | 5791856 | 5791856 AUTRES REVENUS Commissions | 217710 | -0.17550330995409996 | 264052 | 104877 | -0.37910640388839223 | 168913 | 225147 | 0.06878987543673097 | 210656 | 161220 | -0.30132177681473454 | 230750 | 708954 | -0.1891839962670308 | 874371 | 874371 Gains sur change | 67594 | 0.024927975739196362 | 65950 | 57177 | 0.04174106329482928 | 54886 | 52120 | -0.1341473544314312 | 60195 | 52298 | -0.05759181172739395 | 55494 | 229189 | -0.031015748863756475 | 236525 | 236525 Autres | 13912 | -0.20657009239192425 | 17534 | 7798 | -0.48220451527224434 | 15060 | 38507 | 1.5227332285115305 | 15264 | 96815 | 2.0300137706559838 | 31952 | 157032 | 0.9675729858413733 | 79810 | 79810 299216 | -0.1390359559872934 | 347536 | 169852 | -0.288902658053496 | 238859 | 315774 | 0.10366111528581165 | 286115 | 310333 | -0.024711184301499704 | 318196 | 1095175 | -0.08023055229418513 | 1190706 | 1190706 PRODUIT NET BANCAIRE | 1658491 | -0.0779040481260529 | 1798610 | 1360004 | -0.18901355118591512 | 1676975 | 1606879 | -0.09353842231090082 | 1772694 | 1631747 | -0.05912299203763169 | 1734283 | 6257121 | -0.10389324147784151 | 6982562 | 6982562 Dotation à la provision pour créances douteuses | 170000 | -0.43333333333333335 | 300000 | 0 | 0 | 200000 | 30000 | -0.8888888888888888 | 270000 | 0 | -1 | 240000 | 200000 | -0.801980198019802 | 1010000 | 1010000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1488491 | -0.006752257091571523 | 1498610 | 1360004 | -0.07919633033734491 | 1476975 | 1576879 | 0.04936800173554962 | 1502694 | 1631747 | 0.09199328373541023 | 1494283 | 6057121 | 0.014157910792721783 | 5972562 | 5972562 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 774761 | 0.08279735799798188 | 715518 | 784188 | 0.08456470145661951 | 723044 | 600174 | -0.15009742724110978 | 706168 | 949858 | 0.5151159396478983 | 626921 | 3108981 | 0.12170724236204342 | 2771651 | 2771651 Frais de locaux | 32044 | -0.12246686384050827 | 36516 | 35296 | -0.27014061207609597 | 48360 | 35255 | -0.4570808180362203 | 64936 | 33974 | -0.41648489428576335 | 58223 | 136569 | -0.34352873314586485 | 208035 | 208035 Amortissement | 57395 | 0.07408862938842728 | 53436 | 55451 | -0.042974750176904095 | 57941 | 54882 | -0.03170486423543111 | 56679 | 55734 | -0.030679327976625273 | 57498 | 223462 | -0.009274940812399692 | 225554 | 225554 Autres dépenses d'exploitation | 244040 | -0.046994228230902005 | 256074 | 246043 | -0.04268639062463524 | 257014 | 292018 | -0.07136678750874514 | 314460 | 260626 | -0.5032932602514161 | 524708 | 1042727 | -0.22889822637133797 | 1352256 | 1352256 1108240 | 0.04398875600069333 | 1061544 | 1120978 | 0.031866997926099934 | 1086359 | 982329 | -0.13999998249059087 | 1142243 | 1300192 | 0.025913914861719334 | 1267350 | 4511739 | -0.010039942986236302 | 4557496 | 4557496 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 380251 | -0.1299918090174024 | 437066 | 239026 | -0.38807934134802463 | 390616 | 594550 | 0.6494613692291047 | 360451 | 331555 | 0.46102594157747 | 226933 | 1545382 | 0.09209181762546764 | 1415066 | 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 | 594550 | 0.6494613692291047 | 360451 | 331555 | 0.46102594157747 | 226933 | 1545382 | 0.09209181762546764 | 1415066 | 1415066 [BNCVARAN ] BANQUE NATIONALE DE CRÉDIT (BNC) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1442301 | -0.2811544781657615 | 2006413 | 2006413 | -0.08309825235016244 | 2188253 | 0.04319858245680902 | 2097638.0114 | 0.023893291791855075 | 2048688.10863 Intérêts sur Bons B.R.H. | 1194796 | 2.328141103850161 | 358998 | 358998 | 69.96224550306384 | 5059 | -0.9587777551436137 | 122725 | 1.4625278407608804 | 49837 Autres | 3210545 | -0.21321664776419916 | 4080596 | 4080596 | 0.027577615476684823 | 3971083 | 0.6536298728176582 | 2401434 | 0.17529472860810588 | 2043261.1 5847642 | -0.09282723397601027 | 6446007 | 6446007 | 0.045683639675913046 | 6164395 | 0.3337658457944105 | 4621797.0114 | 0.11589463545217031 | 4141786.20863 Dépenses d'intérêt | 685696 | 0.04822281094120471 | 654151 | 654151 | 0.05426095477233059 | 620483 | 0.21464702819311166 | 510834 | -0.018877665376196427 | 520662.9 5161946 | -0.10875788348329102 | 5791856 | 5791856 | 0.044723653622207565 | 5543912 | 0.34856771628115546 | 4110963.0114 | 0.13527285900554548 | 3621123.30863 AUTRES REVENUS Commissions | 708954 | -0.1891839962670308 | 874371 | 874371 | -0.08004524172760272 | 950450 | 0.22976219896412475 | 772873 | 0.1040017712640969 | 700065 Gains sur change | 229189 | -0.031015748863756475 | 236525 | 236525 | 2.7641113995047584 | -134076 | -1.4662150884611105 | 287584 | 0.3732928389968101 | 209412 Autres | 157032 | 0.9675729858413733 | 79810 | 79810 | -0.5396736591358715 | 173377 | -0.5194530905704411 | 360791 | 4.657691704563274 | 63770 1095175 | -0.08023055229418513 | 1190706 | 1190706 | 0.20303591509379632 | 989751 | -0.3036042970684919 | 1421248 | 0.4603158293834967 | 973247 PRODUIT NET BANCAIRE | 6257121 | -0.10389324147784151 | 6982562 | 6982562 | 0.06870556378558246 | 6533663 | 0.18102201570698384 | 5532211.0114 | 0.2041282351595329 | 4594370.30863 Dotation à la provision pour créances douteuses | 200000 | -0.801980198019802 | 1010000 | 1010000 | 0.578125 | 640000 | 0.4883720930232558 | 430000 | -0.033707865168539325 | 445000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 6057121 | 0.014157910792721783 | 5972562 | 5972562 | 0.01338709050721088 | 5893663 | 0.15511941525578588 | 5102211.0114 | 0.2296350125194298 | 4149370.30863 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 3108981 | 0.12170724236204342 | 2771651 | 2771651 | -0.009528591312986565 | 2798315 | 0.19603080437053463 | 2339668 | 0.1561777487121984 | 2023623.1 Frais de locaux | 136569 | -0.34352873314586485 | 208035 | 208035 | 0.5715224584145402 | 132378 | 0.19713507989762974 | 110579 | 0.06727214817245607 | 103609 Amortissement | 223462 | -0.009274940812399692 | 225554 | 225554 | 0.28345282804142485 | 175740 | 0.14145048778269964 | 153962 | -0.01839997959808222 | 156848 Autres dépenses d'exploitation | 1042727 | -0.22889822637133797 | 1352256 | 1352256 | 0.11080936550456273 | 1217361 | 0.22244514937625584 | 995841 | 0.5164550710294472 | 656690.07874 4511739 | -0.010039942986236302 | 4557496 | 4557496 | 0.05405021608337492 | 4323794 | 0.2010372078165581 | 3600050 | 0.22418610812439416 | 2940770.1787400004 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1545382 | 0.09209181762546764 | 1415066 | 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) | 1545382 | 0.09209181762546764 | 1415066 | 1415066 | -0.09860886481610887 | 1569869 | 0.045073722514536965 | 1502161.0114000002 | 0.2428933062722069 | 1208600.1298899995 [bphinfin ] BANQUE POPULAIRE HAÏTIENNE (BPH) INDICATEURS FINANCIERS Var.sept 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 | -0.0036737167850163194 | 7357734.72172 | -0.0028107770410571624 | 7337053.76989 | 0.19629185411146124 | 6133163.696362 | 0.08457337798521888 | 5654908.94470912 | 0 | 5654908.94470912 | 0.13091239986930125 | 5000306.783586999 Bons B.R.H. | 1300000 | 0.07692307692307693 | 1400000 | 0.35714285714285715 | 1900000 | -0.47368421052631576 | 1000000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 171676.19908000017 | -0.03241545898512706 | 166111.2362899999 | 0.01390056026052779 | 168420.27553999983 | 0.0711288594653492 | 180399.81764999987 | -0.5869560454005764 | 436756.94957199995 | 0.40807200217933887 | 310180.8351391199 | 0 | 310180.8351391199 | 0.03488718909236587 | 299724.2969170001 Dépôts | 4781307.22223 | -0.05926280157288118 | 4497953.56106 | -0.01096272751388285 | 4448643.7218 | 0.0022373356898026716 | 4458596.83117 | -0.14075601652334188 | 5188976.49202 | 0.10623030487645456 | 4690683.72937 | 0 | 4690683.72937 | 0.14275078134580654 | 4104730.27535 Avoir des Actionnaires | 1399600.9995900001 | 0.015948574562706735 | 1421922.6404900001 | 0.005563191501946942 | 1429833.06844 | 0.007375167215502585 | 1440378.3264100002 | 5.061899530979989 | -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 - sept 25) | (oct. 23- sept 24) Résultats Revenus nets d'intérêt | 44401.059290000005 | 0.07034291938919657 | 41483.02239 | 84474.60245 | 2.4863238422485763 | 24230.27988000001 | 72615.75932000001 | 0.49304230603594407 | 48636.102960000004 | 83494.30692 | 3.5917350747610377 | 18183.607190000002 | 284985.72797999997 | 1.150299934908851 | 132533.01242 Autres revenus | 2590.34919 | -0.7863006173362005 | 12121.46314 | 9034.96572 | -0.015751819490704512 | 9179.560500000001 | 10725.26982 | -0.8060075952129884 | 55287.0605 | 11017.04724 | 0.7486908199858786 | 6300.16874 | 33367.631969999995 | -0.5974383484918256 | 82888.25288000001 Dot. à la prov. pr créances douteuses | 0 | 0 | 9000 | 0 | 0 | 9000 | 0 | 0 | -18000 | 0 | 0 | 0 | 0 | 0 | 0 Dépenses d'exploitation | 63017.31897 | -0.1898531411526369 | 77785.05622999999 | 71187.92727 | 0.13136280003421114 | 62922.280340000005 | 75430.60119 | 0.3087867084066785 | 57633.990860000005 | 83552.01217999999 | 0.5021680248289004 | 55620.949720000004 | 293187.85961000004 | 0.15445436582233776 | 253962.27715 Bénéfice (perte) net | -16025.910489999995 | 0.5170091968912397 | -33180.57069999999 | 22321.640900000013 | 1.5795956039966266 | -38512.439959999996 | 7910.427950000012 | -0.8769555178565168 | 64289.172600000005 | 10959.341980000012 | 1.35196970842356 | -31137.17379 | 25165.50033999991 | 1.6529538051035866 | -38541.01184999998 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 - sept 25) | (oct. 23- sept 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 | 0.19433060887872722 | -0.09662373789722041 | 0.19631562907730946 | -0.10344990964757711 | 0.19631562907730946 | -0.10344990964757711 | -0.10344990964757711 | -0.06686489273143852 | -0.062068107649796 | -0.06988296413271866 Dépôts en % de l'actif | 0.6324273845125151 | 0.8576755910829691 | 0.6090773210857073 | 0.8586154246883387 | 0.6046213800923842 | 0.8425195975138358 | 0.6076821802052631 | 0.8414350207480251 | 0.6076821802052631 | 0.8414350207480251 | 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 | 0.9384780706624658 | 0.9226256772917395 | 0.9250315736720122 | 0.9382284066400062 | 0.9250315736720122 | 0.9382284066400062 | 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 | 0.9278262060918698 | 0.9269091510677405 | 0.9323675044596575 | 0.9232978904696956 | 0.9323675044596575 | 0.9232978904696956 | 0.9232978904696956 | 0.864907141465704 | 0.8711693742290048 | 0.8961444012475123 Prêts improductifs nets en % de l'avoir des actionnaires | NA | NA | 0.05887034534727243 | NA | 0.06172538810389067 | N/A | 0.05697339300691059 | N/A | 0.05697339300691059 | N/A | NA | N/A | N/A | N/A Rentabilité ROA (rendement de l'actif) | -0.009851268315057438 | -0.023833784854414883 | 0.011948597774023717 | -0.02821149031739372 | 0.004292555343936115 | 0.04654032336713623 | 0.005966382972443465 | -0.02270476536473646 | 0.003934845700018265 | -0.00687979387098508 | -0.00687979387098508 | -0.013153830039779876 | -0.008179240704489846 | -0.01696378627100233 ROE (rendement avoir des action.) | -0.1534717185681187 | -0.28138371738343704 | 0.0632896087288983 | -0.2664609483969341 | 0.022191039506586806 | 0.45495450126525466 | 0.03054643849484893 | -0.22700859435131782 | 0.05744512922654211 | -0.08125028551912283 | -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 | 0.8725235529682916 | 0.6085503603294993 | 0.8870304204862767 | 0.36600263372803415 | 0.8504810434401344 | 0.5435420977459703 | 0.5435420977459703 | 0.8248298888818657 | 0.8040760696012017 | 0.7160007339410267 Rendement moyen des prêts | 0.012147547117744042 | 0.011675318706338892 | 0.009906442898541529 | 0.011818478458983905 | 0.00820212071200514 | 0.09292569810673944 | 0.009571375782773844 | 0.019068412025028004 | 0.009910425552433912 | 0.033756721476318904 | 0.033756721476318904 | 0.02563961706888353 | 0.0184541692292859 | 0.02910772446253817 Rendement moyen des prêts productifs | 0.18758929080732253 | 0.12994251715626262 | 0.1510828752261323 | 0.14150442253314507 | 0.13134255058904115 | 1.1844393230973453 | 0.14020387181840321 | 0.27386605387353063 | 0.1449499387013058 | 0.43585208442128304 | 0.43585208442128304 | 0.24665174140256527 | 0.1382750432870205 | 0.1756920006057282 Rémunération moyenne des dépôts | 0.015654020735884212 | 0.014575628662535223 | 0.00907256330499974 | 0.026618672976353827 | 0.00948671322924105 | 0.026626537793011978 | 0.00955051229324159 | 0.02727841400242722 | 0.011074922735886538 | 0.023476402361626635 | 0.023476402361626635 | 0.008833825763133048 | 0.009276072555108485 | 0.014843405159227984 Dépenses d'exploitation en % du produit net bancaire | 1.3410391603141834 | 1.451092300596136 | 0.7612903006950117 | 1.8833457336020947 | 0.9050836300963873 | 0.5545827218989856 | 0.8840420595239092 | 2.2717472124815346 | 0.9209510452663281 | 1.1789099687829194 | 1.1789099687829194 | 1.1955920043491077 | 1.0354164764976057 | 1.181564322333451 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 1347.4238990681006 | 1715.34353696 | 2615.652256503497 | 1069.1148921600002 | 2267.7831058503407 | 3325.5412307200004 | 2571.7375281632653 | 739.1328582641511 | 2218.490313240418 | 1625.820870188679 | 1625.820870188679 | 2144.556142795699 | 1638.5794736398464 | 1276.8962666165414 [bphvar] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept 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 | 0.25067124017403375 | 227933.82418 | -0.6688023482184705 | 75491.14732999999 | -0.7351318450417419 | 285014.05668 | -0.39785123242982184 | 473328.30694 | -0.33419587564406544 | 710912.24825 | 1.2839135849939394 | 311269.32863 Avoirs à la BRH | 1681339.59246 | 0.24332717067669546 | 2090455.19844 | -0.2618612884162758 | 1543045.9068 | 0.35678144564843217 | 2093576.05613 | 0.13595757233176758 | 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 | 0 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 43562.7209 | -0.15051853498893825 | 37005.72397 | -0.26559592099773205 | 27177.15463 | 0.4518932374341796 | 39458.327020000004 | 0.7306561809099101 | 22799.633719999998 | 2.4895692436523054 | 6533.65276 | -0.8830463642081198 | 55865.324029999996 | -0.31611259046905577 | 81687.89665 2009252.87927 | 0.1495367950942851 | 2309710.1153700002 | -0.2214794083274181 | 1798156.88561 | 0.2282162630825109 | 2208525.53048 | 0.026829934392998064 | 2150819.1926499996 | 0.07075562278707372 | 2008692.87714 | -0.11531380896063452 | 2270514.55927 | 0.2339164706930553 | 1840087.7313799998 Bons B.R.H. | 1300000 | 0.07692307692307693 | 1400000 | 0.35714285714285715 | 1900000 | 0 | 1000000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 2490000 | -0.2285140562248996 | 1921000 | -0.024986985944820406 | 1873000 | 0.2409759743726642 | 2324348 | 0.5144305446963774 | 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 | 0 Portefeuille net | 171676.19908000017 | -0.03241545898512706 | 166111.2362899999 | 0.01390056026052779 | 168420.27553999983 | 0.0711288594653492 | 180399.81764999987 | 0.02879966101983289 | 175349.8027703201 | -0.4165284151858363 | 300528.43588976003 | -0.031118619063072128 | 310180.8351391199 | 0.03488718909236587 | 299724.2969170001 Immobilisations | 352577.11397999997 | -9.931484095689104e-05 | 352542.09784 | 0.09847082156343023 | 387257.20785 | 0.006491960740918644 | 389771.26644 | 0.10915024021437258 | 351414.31007999997 | 0.19615070713625063 | 293787.65399999986 | 0.1920960696066227 | 246446.29027 | -0.2895195091152242 | 346872.70577 Autres actifs | 1236740.78514 | -0.0010023214362254143 | 1235501.17334 | -0.0037238496565424046 | 1230900.35272 | 0.0025256330401809794 | 1234009.1553200001 | -0.006163283185877839 | 1241661.86904 | -0.008308030349338181 | 1252064.0552100001 | 0.12518052982278138 | 1112767.26003 | 0.15238385513581038 | 965622.04952 7560246.97747 | -0.023197966303567876 | 7384864.62284 | -0.0036737167850163194 | 7357734.72172 | -0.0028107770410571624 | 7337053.76989 | 0.3452499081121718 | 5454045.17454032 | -0.051482450145325584 | 5750073.0222397605 | 0.016828578224885152 | 5654908.94470912 | 0.13091239986930125 | 5000306.783586999 PASSIF Dépôts à vue | 1993650.9686699999 | -0.13536298348152312 | 1723784.4255300001 | -0.04493866281230759 | 1646319.85847 | -0.0032855206430096686 | 1640910.8405900002 | -0.13574328830607643 | 1898638.2383700002 | -0.14349878217693338 | 2216737.34825 | 0.054434094820035486 | 2102300.52228 | 0.1636145494406905 | 1806698.38074 Épargne | 600010.13213 | 0.0008600544763601822 | 600526.1735299999 | 0.058091939415289 | 635411.90362 | 0.035746474374492854 | 658125.63895 | 0.1679885010457931 | 563469.27933 | -0.03752630740521581 | 585438.6293 | 0.00017922779124967338 | 585333.72123 | 0.12332685279925207 | 521071.6006400001 À terme | 2187646.12143 | -0.006401016733385812 | 2173642.962 | -0.003096645772867155 | 2166911.95971 | -0.0033926657920073312 | 2159560.3516300004 | 0.015252218496707132 | 2127117.0969000002 | 0.01757262923151411 | 2090383.56162 | 0.04360055823708403 | 2003049.48586 | 0.12723367689037227 | 1776960.29397 4781307.22223 | -0.05926280157288118 | 4497953.56106 | -0.01096272751388285 | 4448643.7218 | 0.0022373356898026716 | 4458596.83117 | -0.02846402048276871 | 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 | 0.014616389075450875 | 396613.79363999993 | -0.09641320033036635 | 358374.98850000004 | -0.011765793113821667 | 362641.75638000004 | 0.23876204511382815 | 292745.29181 | -0.1320641165982629 | 337289.07562 | 0.1757971590961116 | 286859.91713 292689.79441000003 | 0.3355444947370686 | 390900.24358999997 | 0.014616389075450875 | 396613.79363999993 | -0.09641320033036635 | 358374.98850000004 | -0.011765793113821667 | 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 | 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 | 0.00696360857414552 | 1052236.68437 | 0.0003550193749648354 | 1052610.24878 | 0.013193387126593787 | 1038903.5915099999 | 0.14080895963919626 | 910672.71407 | -0.045122881159008976 | 953706.70854 | 0.016375286830606 | 938341.1038200001 1037834.48537 | 0.006865744721770072 | 1044959.99201 | 0.00696360857414552 | 1052236.68437 | 0.0003550193749648354 | 1052610.24878 | 0.013193387126593787 | 1038903.5915099999 | 0.14080895963919626 | 910672.71407 | -0.045122881159008976 | 953706.70854 | 0.016375286830606 | 938341.1038200001 Autres passifs | 48814.475869999995 | -0.4032879527873541 | 29128.185830000002 | 0.04391854465177302 | 30407.45336 | -0.10898901301480107 | 27093.375030000003 | -0.014632009845373379 | 27495.69227 | -0.2871868706382453 | 38573.493019999994 | 0.5927002436384845 | 24218.928310000003 | 0.22245290381890295 | 19811.747539999997 6160645.97788 | -0.03209143912827688 | 5962941.98249 | -0.00587634919522869 | 5927901.65317 | -0.005267666624209501 | 5896675.44348 | -0.02020353009572326 | 6018265.654760001 | -0.01895580990171096 | 6134551.03807 | 0.021421040911005582 | 6005898.44184 | 0.12265175964956596 | 5349743.0438399995 AVOIR DES ACTIONNAIRES Capital versé | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 Réserves | 58117.833620000005 | 0 | 58117.833620000005 | 0 | 58117.833620000005 | 0 | 58117.833620000005 | 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 | 0 | 0 | 0 | 0 Surplus d'apport | 2014325 | 0 | 2014325 | 0 | 2014325 | 0 | 2014325 | 36.43957065895661 | 53802.03257 | -0.7753587642130965 | 239502.03257 | 1.2957300030673378 | 104325 | -0.4015488312060806 | 174325 BNR | -837841.83403 | 0.026641831421371522 | -815520.19313 | 0.009699855401053276 | -807609.76518 | 0.013057368081290733 | -797064.50721 | 0.052400101448463916 | -841140.3467100001 | -0.1811898132076098 | -1027271.47302 | 0.19644116933904673 | -858605.92175 | 0.02306309953253562 | -839250.2106100001 1399600.9995900001 | 0.015948574562706735 | 1421922.6404900001 | 0.005563191501946942 | 1429833.06844 | 0.007375167215502585 | 1440378.3264100002 | 3.552864307730394 | -564220.4805200001 | 0.46749737901652766 | -384478.01583000005 | 0.09541174016268797 | -350989.49713 | 0.004444980957996317 | -349436.25961000007 7560246.97747 | -0.023197966285049946 | 7384864.62298 | -0.0036737168187996406 | 7357734.72161 | -0.0028107770261490066 | 7337053.76989 | 0.345249908186246 | 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 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 182052.65643 | 0.3456271036161118 | 244974.98877752002 | -0.06486035602512123 | 229085.82378816 | -0.07435277782142855 | 212052.65643 | -0.28579298403143105 | 296906.431453107 | 248905.123197079 | 224784.359406334 | 202711.42267 Portefeuille brut | 1305398.88063 | -0.003985275410600426 | 1300196.50657 | 0.002158714521856644 | 1303003.25965 | 0.00667942150991837 | 1311706.5676499999 | 0.00041164534255739795 | 1311166.83193032 | -0.06291160133473502 | 1399192.2574197599 | 0.03780087659373862 | 1348228.0550891198 | 0.0802874296785037 | 1248027.1620770001 Provisions pour créances douteuses | 1133722.6815499999 | 0.0003198213601093957 | 1134085.27028 | 0.00043886808429946305 | 1134582.98411 | -0.0028876108278409014 | 1131306.75 | -0.003970955747454783 | 1135817.02916 | 0.033816720731060845 | 1098663.8215299998 | 0.058394840249097385 | 1038047.2199499999 | 0.09463680653844488 | 948302.86516 Portefeuille de crédit improductif | 1216953.206459899 | 0.0006911857566814473 | 1217794.3471827519 | 0.004143259502030602 | 1222839.985183236 | -0.007744263214147224 | 1213369.990469193 | -0.013659837986434782 | 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 | 227933.82418 | 0.030978804319642072 | 75491.14732999999 | 0.010289027407677263 | 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 | 1543045.9068 | 0.20971752382495326 | 2093576.05613 | 0.2853428803700027 | 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 | 27177.15463 | 0.0036936850345763573 | 39458.327020000004 | 0.005377952548464365 | 22799.633719999998 | 0.0041803162589172365 | 6533.65276 | 0.0011362730064000163 | 55865.324029999996 | 0.009879084628280186 | 81687.89665 | 0.01633657697126349 2009252.87927 | 0.26576550809222194 | 2309710.1153700002 | 0.3127626887331828 | 1798156.88561 | 0.2443900131791717 | 2208525.53048 | 0.3010098603261444 | 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 | 1900000 | 0.25823165306452384 | 1000000 | 0.13629448977242434 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 2490000 | 0.3293543196962153 | 1921000 | 0.260126637130044 | 1873000 | 0.25456204536308064 | 2324348 | 0.31679582471355494 | 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 | 168420.27553999983 | 0.022890234822250922 | 180399.81764999987 | 0.02458750110164512 | 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 | 387257.20785 | 0.052632667865398636 | 389771.26644 | 0.053123675887391454 | 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 | 1230900.35272 | 0.16729338570557428 | 1234009.1553200001 | 0.16818864819883975 | 1241661.86904 | 0.22765888974226367 | 1252064.0552100001 | 0.21774750518251643 | 1112767.26003 | 0.19677898811635755 | 965622.04952 | 0.19311256115115907 7560246.97747 | 1 | 7384864.62284 | 1 | 7357734.72172 | 1 | 7337053.76989 | 1 | 5454045.17454032 | 1 | 5750073.0222397605 | 1 | 5654908.94470912 | 1 | 5000306.783586999 | 1 PASSIF Dépôts À vue | 1993650.9686699999 | 0.26370183072209175 | 1723784.4255300001 | 0.23342126275391134 | 1646319.85847 | 0.22375363080297953 | 1640910.8405900002 | 0.22364710578025399 | 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 | 635411.90362 | 0.08635971907824659 | 658125.63895 | 0.08969889816684101 | 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 | 2166911.95971 | 0.294508030211158 | 2159560.3516300004 | 0.29433617625816816 | 2127117.0969000002 | 0.3900072384492632 | 2090383.56162 | 0.3635403504503247 | 2003049.48586 | 0.3542142774436899 | 1776960.29397 | 0.3553702544417259 4781307.22223 | 0.6324273845125151 | 4497953.56106 | 0.6090773210857073 | 4448643.7218 | 0.6046213800923842 | 4458596.83117 | 0.6076821802052631 | 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 | 396613.79363999993 | 0.05390433450518375 | 358374.98850000004 | 0.048844536204805944 | 362641.75638000004 | 0.06649042037143822 | 292745.29181 | 0.05091157811000638 | 337289.07562 | 0.059645359265347045 | 286859.91713 | 0.057368463485398265 292689.79441000003 | 0.03871431651402839 | 390900.24358999997 | 0.05293262145673177 | 396613.79363999993 | 0.05390433450518375 | 358374.98850000004 | 0.048844536204805944 | 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 | 1052236.68437 | 0.14301095706315722 | 1052610.24878 | 0.14346497678669473 | 1038903.5915099999 | 0.19048312917532098 | 910672.71407 | 0.1583758520192281 | 953706.70854 | 0.168651116731475 | 938341.1038200001 | 0.18765670676447488 1037834.48537 | 0.13727520919128838 | 1044959.99201 | 0.1415002231426335 | 1052236.68437 | 0.14301095706315722 | 1052610.24878 | 0.14346497678669473 | 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 | 30407.45336 | 0.004132719445597479 | 27093.375030000003 | 0.0036926777259267923 | 27495.69227 | 0.005041339297729121 | 38573.493019999994 | 0.006708348375891564 | 24218.928310000003 | 0.00428281490414799 | 19811.747539999997 | 0.003962106406156928 6160645.97788 | 0.8148736405356999 | 5962941.98249 | 0.8074544743918175 | 5927901.65317 | 0.8056693911063225 | 5896675.44348 | 0.8036843709226905 | 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 | 165000 | 0.022425380397708652 | 165000 | 0.022488590812450016 | 165000 | 0.030252774724020614 | 165000 | 0.028695287757533456 | 165000 | 0.0291781886522467 | 165000 | 0.03299797535255153 Réserves | 58117.833620000005 | 0.007687292993627684 | 58117.833620000005 | 0.007869857687066118 | 58117.833620000005 | 0.007898875920116611 | 58117.833620000005 | 0.00792114047991655 | 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 | 2014325 | 0.27376972345220896 | 2014325 | 0.27454139811083866 | 53802.03257 | 0.009864610733543212 | 239502.03257 | 0.04165199844309273 | 104325 | 0.01844857291603416 | 174325 | 0.03486286092929421 BNR | -837841.83403 | -0.11082201897991165 | -815520.19313 | -0.11043129898519048 | -807609.76518 | -0.10976337089130703 | -797064.50721 | -0.10863550032589578 | -841140.3467100001 | -0.15422320860789226 | -1027271.47302 | -0.17865363953584343 | -858605.92175 | -0.1518337306833798 | -839250.2106100001 | -0.16783974402625731 1399600.9995900001 | 0.18512635946430017 | 1421922.6404900001 | 0.19254552562714017 | 1429833.06844 | 0.19433060887872722 | 1440378.3264100002 | 0.19631562907730946 | -564220.4805200001 | -0.10344990964757711 | -384478.01583000005 | -0.06686489273143852 | -350989.49713 | -0.062068107649796 | -349436.25961000007 | -0.06988296413271866 7560246.97747 | 1 | 7384864.62298 | 1.0000000000189577 | 7357734.72161 | 0.9999999999850498 | 7337053.76989 | 1 | 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) Septembre 25 | Septembre 24 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 18998.29598 | 56492.85135 | 75491.14732999999 | 0.2516625677571352 | 51708.89733 | 233305.15935 | 285014.05668 | 0.18142577924869246 Avoirs à la BRH | 862137.11008 | 1231438.94605 | 2093576.05613 | 0.41180118943167066 | 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 | 538.70479 | 38919.62223 | 39458.327020000004 | 0.013652499502245749 | 9644.90458 | 13154.72914 | 22799.633719999998 | 0.4230289266243529 881674.11085 | 1326851.41963 | 2208525.53048 | 0.399213909317307 | 1082929.09611 | 1067890.09654 | 2150819.19265 | 0.5034961096733265 Bons B.R.H. | 0 | 1000000 | 1000000 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 2324348 | 2324348 | 0 | 1534800 | 1534800 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 627312.1111599999 | -446912.29351000005 | 180399.8176499998 | 3.4773433772370583 | 634323.64644032 | -458973.84367 | 175349.80277031998 | 3.6174756767259204 Immobilisations | 0 | 389771.26644 | 389771.26644 | 0 | 0 | 351414.31007999997 | 351414.31007999997 | 0 Autres actifs | 1181331.55041 | 52677.60491 | 1234009.15532 | 0.9573118200275105 | 1190702.1714199998 | 50959.69762 | 1241661.8690399998 | 0.9589584742105354 2690317.77242 | 4646735.997470001 | 7337053.769890001 | 0.36667548811766904 | 2907954.9139703196 | 2546090.2605700004 | 5454045.17454032 | 0.5331739692118352 PASSIF Dépôts À vue | 923264.5811300001 | 717646.2594600001 | 1640910.8405900002 | 0.56265371541944 | 1063863.90861 | 834774.3297600001 | 1898638.2383700002 | 0.5603299707707023 Épargne | 253450.61465 | 404675.0243 | 658125.63895 | 0.38510977182770945 | 247206.03989 | 316263.23944000003 | 563469.27933 | 0.43872141562702993 À terme | 1374058.53979 | 785501.8118400001 | 2159560.3516300004 | 0.6362677193776425 | 1405675.0903600003 | 721442.00654 | 2127117.0969000002 | 0.6608357821055507 2550773.7355700005 | 1907823.0956000001 | 4458596.83117 | 0.5721023524122141 | 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 | 63162.12647 | 295212.86203 | 358374.98850000004 | 0.17624591139679938 | 43896.58337 | 318745.17301 | 362641.75638000004 | 0.12104668753038537 63162.12647 | 295212.86203 | 358374.98850000004 | 0.17624591139679938 | 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 | 16310.24928 | 1036299.9995 | 1052610.24878 | 0.015495050802425648 | 6429.21063 | 1032474.3808800001 | 1038903.59151 | 0.006188457410812709 16310.24928 | 1036299.9995 | 1052610.24878 | 0.015495050802425648 | 6429.21063 | 1032474.3808800001 | 1038903.59151 | 0.006188457410812709 Autres passifs | 4972.43302 | 22120.942010000002 | 27093.375030000003 | 0.18352947960503685 | 5433.06951 | 22062.622760000002 | 27495.692270000003 | 0.19759711654643128 2635218.5443400005 | 3261456.89914 | 5896675.44348 | 0.44689903142859627 | 2772503.9023700003 | 3245761.7523900005 | 6018265.654760001 | 0.4606815420614003 AVOIR DES ACTIONNAIRES Capital versé | 0 | 165000 | 165000 | 0 | 0 | 165000 | 165000 | 0 Réserves | 0 | 58117.833620000005 | 58117.833620000005 | 0 | 0 | 58117.833620000005 | 238291.42462 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 2014325 | 2014325 | 0 | 0 | 53802.03257 | 104325 | 0 BNR | 0 | -797064.50721 | -797064.50721 | 0 | 0 | -841140.3467100001 | -858605.92175 | 0 0 | 1440378.3264100002 | 1440378.3264100002 | 0 | 0 | -564220.4805200001 | -564220.4805200001 | 0 0 2635218.5443400005 | 4701835.22555 | 7337053.76989 | 0.35916576693965113 | 2772503.9023700003 | 2681541.2718700003 | 5454045.174240001 | 0.5083390059665829 *Converties au taux de 130.6911 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 | -0.17280302819127197 | 2668.96984 | 0.17209877875577625 | 3128.2962899999998 | 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 | 0.7344413368525692 | 25299.42856 | -0.11155813750126854 | 22477.07143 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 54776.26484 | 0.40909415867356175 | 77184.91482 | -0.28410122108883873 | 55256.58627 | 0.24007892317449175 | 68522.528 | 54766.169709999995 | -0.06221400835665622 | 51358.94677 | -0.05424795610542855 | 48572.82888 | -0.1067487817687097 | 43387.73857 62736.871750000006 | 0.5142281549924427 | 94997.93756 | -0.12392851036965186 | 83224.98467 | 0.13100526354233324 | 94127.89572 | 58815.398989999994 | -0.05783469751821861 | 55413.828180000004 | 0.44226176885655477 | 79921.24585 | -0.3783676815643634 | 49681.62935 Dépenses d'intérêt | 18335.81246 | -0.4260775118115492 | 10523.33511 | 0.008161883956197496 | 10609.225349999999 | 0.0022964400506395827 | 10633.5888 | 17332.3766 | 0.7991501696310935 | 31183.548299999995 | 0.003257954772260611 | 31285.14289 | 0.0068044845039862715 | 31498.02216 44401.059290000005 | 0.9025357457862577 | 84474.60245 | -0.1403835328733174 | 72615.75932000001 | 0.14980973416611776 | 83494.30692 | 41483.02239 | -0.41589887901125977 | 24230.27988000001 | 1.0072447863115639 | 48636.102960000004 | -0.6261294371188657 | 18183.607190000002 AUTRES REVENUS Commissions | 4653.06999 | -0.053244780442255946 | 4405.3183 | -0.10471137352322538 | 3944.0313699999997 | 0.2291355253596779 | 4847.74907 | 8795.73857 | -0.06216058101872388 | 8248.99035 | -0.32896161892103554 | 5535.3891300000005 | -0.2921004995361546 | 3918.4992 Gains sur change | -2592.10153 | 2.2470283291719673 | 3232.42404 | 0.6316232817028549 | 5274.09832 | -0.7320835914943656 | 1413.01748 | 238.34571999999986 | 1.868719815904394 | 683.7470899999998 | 1.7120533558687616 | 1854.3585899999998 | -0.17748160564780507 | 1525.24405 Autres | 529.38073 | 1.6393544396676472 | 1397.22338 | 0.07866798650334644 | 1507.14013 | 2.1558317606472333 | 4756.28069 | 3087.37885 | -0.9200541715183415 | 246.82306 | 193.0552587752538 | 47897.31278 | -0.9821195503402519 | 856.42549 2590.34919 | 2.4879335013516077 | 9034.96572 | 0.18708472753342106 | 10725.26982 | 0.027204669429938908 | 11017.04724 | 12121.46314 | -0.24270194167335465 | 9179.560500000001 | 5.022843958596928 | 55287.0605 | -0.8860462342721223 | 6300.16874 PRODUIT NET BANCAIRE | 46991.408480000006 | 0.9899290358534067 | 93509.56817000001 | -0.10874330006009264 | 83341.02914000001 | 0.13403152247178968 | 94511.35416 | 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 | -0.10874330006009264 | 83341.02914000001 | 0.13403152247178968 | 94511.35416 | 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 | 0.014970167282045404 | 46899.09741 | 0.06772569506471435 | 50075.37138 | 34882.44141 | 0.004848833773186465 | 35051.580570000006 | -0.14713969687330444 | 29894.101629999997 | 0.0398118861282537 | 31084.2422 Frais de locaux | 4818.40206 | -0.0020716639823121835 | 4808.4199499999995 | 0.0009552618215055144 | 4813.01325 | -0.001000892735959007 | 4808.1959400000005 | 4933.73153 | -0.0037040179200832778 | 4915.4569 | 0.001204836116048659 | 4921.379220000001 | -0.013219905862080801 | 4856.31905 Amortissement | 1822.19106 | 0.06828350370679573 | 1946.6166500000002 | 0.010310432719251467 | 1966.6871099999998 | 0.6309498769227204 | 3207.5681000000004 | 1832.6163499999998 | 0.003578212100967092 | 1839.17384 | 0.19205106788600274 | 2192.38914 | -0.3710593366650229 | 1378.8826800000002 Autres dépenses d'exploitation | 20313.4246 | -0.10278421246607526 | 18225.52525 | 0.19348019448712467 | 21751.80342 | 0.17051796894181379 | 25460.87676 | 36136.26694 | -0.4156543877357134 | 21116.06903 | -0.023202621629239688 | 20626.120870000002 | -0.11270248509893462 | 18301.505790000003 63017.31897 | 0.12965655209625304 | 71187.92727 | 0.059598222377067966 | 75430.60119 | 0.10766732416122732 | 83552.01217999999 | 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 | -0.645616198852119 | 7910.427950000012 | 0.38542972001912934 | 10959.341980000012 | -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 | -0.645616198852119 | 7910.427950000012 | 0.38542972001912934 | 10959.341980000012 | -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- sept. 25) | 2024 (oct.23-sept. 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 | 2668.96984 | -0.9148610967324389 | 31348.41697 | 3128.2962899999998 | -0.5029630479224809 | 6293.890780000001 | 12996.89578 | -0.7158926048594069 | 45746.41844 | 45746.41844 Intérêts sur Bons B.R.H. | 3987.5 | 0 | 0 | 14586.5 | 0 | 0 | 25299.42856 | 0 | 0 | 22477.07143 | 0 | 0 | 66350.49999 | 0 | 0 | 0 Autres | 54776.26484 | 0.0001843314961310044 | 54766.169709999995 | 77184.91482 | 0.5028523689486089 | 51358.94677 | 55256.58627 | 0.13760280272150371 | 48572.82888 | 68522.528 | 0.5793062800322852 | 43387.73857 | 255740.29393 | 0.29105894406974986 | 198085.68393 | 198085.68393 62736.871750000006 | 0.06667425244648523 | 58815.398989999994 | 94997.93756 | 0.7143363070210466 | 55413.828180000004 | 83224.98467 | 0.041337428925978116 | 79921.24585 | 94127.89572 | 0.8946217535838525 | 49681.62935 | 335087.6897 | 0.3742558360569164 | 243832.10237 | 243832.10237 Dépenses d'intérêt | 18335.81246 | 0.05789372589561673 | 17332.3766 | 10523.33511 | -0.6625356739790897 | 31183.548299999995 | 10609.225349999999 | -0.6608861469067755 | 31285.14289 | 10633.5888 | -0.6624045552452555 | 31498.02216 | 50101.96172 | -0.5498439228702786 | 111299.08995 | 111299.08995 44401.059290000005 | 0.07034291938919657 | 41483.02239 | 84474.60245 | 2.4863238422485763 | 24230.27988000001 | 72615.75932000001 | 0.49304230603594407 | 48636.102960000004 | 83494.30692 | 3.5917350747610377 | 18183.607190000002 | 284985.72797999997 | 1.150299934908851 | 132533.01242 | 132533.01242 AUTRES REVENUS Commissions | 4653.06999 | -0.4709858696948515 | 8795.73857 | 4405.3183 | -0.46595666704834976 | 8248.99035 | 3944.0313699999997 | -0.2874879656382894 | 5535.3891300000005 | 4847.74907 | 0.23714433066618965 | 3918.4992 | 17850.168729999998 | -0.32637357785150106 | 26498.617250000003 | 26498.617250000003 Gains sur change | -2592.10153 | -11.875385259697557 | 238.34571999999986 | 3232.42404 | 3.7275141456177905 | 683.7470899999998 | 5274.09832 | 1.8441631238109133 | 1854.3585899999998 | 1413.01748 | -0.07357941832325131 | 1525.24405 | 7327.43831 | 0.7033837925462624 | 4301.695449999999 | 4301.695449999999 Autres | 529.38073 | -0.8285339261166476 | 3087.37885 | 1397.22338 | 4.66082998889974 | 246.82306 | 1507.14013 | -0.9685339313935516 | 47897.31278 | 4756.28069 | 4.553642138792482 | 856.42549 | 8190.02493 | -0.8427654289707411 | 52087.940180000005 | 52087.940180000005 2590.34919 | -0.7863006173362005 | 12121.46314 | 9034.96572 | -0.015751819490704512 | 9179.560500000001 | 10725.26982 | -0.8060075952129884 | 55287.0605 | 11017.04724 | 0.7486908199858786 | 6300.16874 | 33367.631969999995 | -0.5974383484918256 | 82888.25288000001 | 82888.25288000001 PRODUIT NET BANCAIRE | 46991.408480000006 | -0.12336797909008852 | 53604.48553 | 93509.56817000001 | 1.7988630626914712 | 33409.84038000001 | 83341.02914000001 | -0.19805146066326257 | 103923.16346000001 | 94511.35416 | 2.8601625186495485 | 24483.775930000003 | 318353.35994999995 | 0.4778177052606882 | 215421.26530000003 | 215421.26530000003 Dotation à la provision pour créances douteuses | 0 | 0 | 9000 | 0 | 0 | 9000 | 0 | 0 | -18000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 46991.408480000006 | 0.05351306985470364 | 44604.48553 | 93509.56817000001 | 2.8308144057597473 | 24409.84038000001 | 83341.02914000001 | -0.31644630294273696 | 121923.16346000001 | 94511.35416 | 2.8601625186495485 | 24483.775930000003 | 318353.35994999995 | 0.4778177052606882 | 215421.26530000003 | 215421.26530000003 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 36063.301250000004 | 0.033852557110910224 | 34882.44141 | 46207.36542 | 0.31826766920599364 | 35051.580570000006 | 46899.09741 | 0.5688411710935903 | 29894.101629999997 | 50075.37138 | 0.6109568011280003 | 31084.2422 | 179245.13546000002 | 0.36919942093283903 | 130912.36581000002 | 130912.36581000002 Frais de locaux | 4818.40206 | -0.02337570848732413 | 4933.73153 | 4808.4199499999995 | -0.021775585093625906 | 4915.4569 | 4813.01325 | -0.022019430967565375 | 4921.379220000001 | 4808.1959400000005 | -0.009909379821327748 | 4856.31905 | 19248.0312 | -0.019302883121040355 | 19626.886700000003 | 19626.886700000003 Amortissement | 1822.19106 | -0.005688746583538708 | 1832.6163499999998 | 1946.6166500000002 | 0.05841906168043377 | 1839.17384 | 1966.6871099999998 | -0.102947978477945 | 2192.38914 | 3207.5681000000004 | 1.3262081296140438 | 1378.8826800000002 | 8943.06292 | 0.2347074907895205 | 7243.06201 | 7243.06201 Autres dépenses d'exploitation | 20313.4246 | -0.437865991146013 | 36136.26694 | 18225.52525 | -0.13688834677957104 | 21116.06903 | 21751.80342 | 0.05457558195720966 | 20626.120870000002 | 25460.87676 | 0.3911902688308794 | 18301.505790000003 | 85751.63003 | -0.10842520952225072 | 96179.96263 | 96179.96263 63017.31897 | -0.1898531411526369 | 77785.05622999999 | 71187.92727 | 0.13136280003421114 | 62922.280340000005 | 75430.60119 | 0.3087867084066785 | 57633.990860000005 | 83552.01217999999 | 0.5021680248289004 | 55620.949720000004 | 293187.85961000004 | 0.15445436582233776 | 253962.27715 | 253962.27715 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -16025.910489999995 | 0.5170091968912397 | -33180.57069999999 | 22321.640900000013 | 1.5795956039966266 | -38512.439959999996 | 7910.427950000012 | -0.8769555178565168 | 64289.172600000005 | 10959.341980000012 | 1.35196970842356 | -31137.17379 | 25165.50033999991 | 1.6529538051035866 | -38541.01184999998 | -38541.01184999998 Impôts sur le revenu | 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 | 7910.427950000012 | -0.8769555178565168 | 64289.172600000005 | 10959.341980000012 | 1.35196970842356 | -31137.17379 | 25165.50033999991 | 1.6529538051035866 | -38541.01184999998 | -38541.01184999998 [BPHVARAN ] BANQUE POPULAIRE HAÏTIENNE (BPH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 12996.89578 | -0.7158926048594069 | 45746.41844 | 45746.41844 | 0.29882444655198453 | 35221.402369999996 | 0.47026208662006247 | 23955.86657 | -0.29265543339444366 | 33867.32252 Intérêts sur bons B.R.H. | 66350.49999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7965.36002 Autres | 255740.29393 | 0.29105894406974986 | 198085.68393 | 198085.68393 | -0.04037550834717173 | 206419.99621 | 0.1202965289371695 | 184254.78512 | 0.17425917224030474 | 156911.51449 335087.6897 | 0.3742558360569164 | 243832.10237 | 243832.10237 | 0.009065929111789698 | 241641.39858 | 0.16056213559993227 | 208210.65168999997 | 0.047631351261898824 | 198744.19703 Dépenses d'intérêt | 50101.96172 | -0.5498439228702786 | 111299.08995 | 111299.08995 | 1.6294218477018365 | 42328.35064 | 0.037626173784569644 | 40793.44923 | -0.27726555495529603 | 56443.20608999999 284985.72797999997 | 1.150299934908851 | 132533.01242 | 132533.01242 | -0.3350509974645667 | 199313.04794000002 | 0.19051713331323128 | 167417.20245999997 | 0.1765006087033504 | 142300.99094000002 AUTRES REVENUS Commissions | 17850.168729999998 | -0.32637357785150106 | 26498.617250000003 | 26498.617250000003 | 1.2435939740217161 | 11810.78999 | -0.09558722922079006 | 13059.07034 | -0.043875617499436796 | 13658.338370000001 Gains sur change | 7327.43831 | 0.7033837925462624 | 4301.695449999999 | 4301.695449999999 | 1.2113840455908356 | -20350.1425 | -7.276953291599074 | 3242.0414100000003 | -0.5649982420893781 | 7452.93864 Autres | 8190.02493 | -0.8427654289707411 | 52087.940180000005 | 52087.940180000005 | 5.007818325016875 | 8670.02585 | -0.7121152397200784 | 30116.3071 | 3.6947170479037292 | 6414.935509999999 33367.631969999995 | -0.5974383484918256 | 82888.25288000001 | 82888.25288000001 | 633.3164786329145 | 130.67333999999755 | -0.997184821059907 | 46417.41885 | 0.6862987894274966 | 27526.21252 PRODUIT NET BANCAIRE | 318353.35994999995 | 0.4778177052606882 | 215421.26530000003 | 215421.26530000003 | 0.08011053904058002 | 199443.72128000003 | -0.0672992050671588 | 213834.62130999996 | 0.25913055713930516 | 169827.20346000002 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 36000 | -6.994677377318269e-05 | 36002.51826 | -0.24994753625000007 | 48000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 318353.35994999995 | 0.4778177052606882 | 215421.26530000003 | 215421.26530000003 | 0.318014932681053 | 163443.72128000003 | -0.08090992302978307 | 177832.10304999998 | 0.4597076679051264 | 121827.20346000002 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 179245.13546000002 | 0.36919942093283903 | 130912.36581000002 | 130912.36581000002 | -0.018177652655170084 | 133336.10317999998 | 0.21620937735245788 | 109632.52352999999 | -0.017226494045653087 | 111554.21149 Frais de locaux | 19248.0312 | -0.019302883121040355 | 19626.886700000003 | 19626.886700000003 | -0.0013231087395293019 | 19652.88961 | 0.07056308711482559 | 18357.52591 | -0.2835279048349647 | 25622.10871 Amortissement | 8943.06292 | 0.2347074907895205 | 7243.06201 | 7243.06201 | 0.022414715635398066 | 7084.2701099999995 | -0.3035155534787137 | 10171.469219999999 | -0.354369280413127 | 15754.31421 Autres dépenses d'exploitation | 85751.63003 | -0.10842520952225072 | 96179.96263 | 96179.96263 | 0.2270974027548654 | 78380.05558 | -0.05845679304574324 | 83246.37148999999 | 0.7440687285414989 | 47731.13016 293187.85961000004 | 0.15445436582233776 | 253962.27715 | 253962.27715 | 0.06503981059630666 | 238453.31848000002 | 0.076986544239467 | 221407.89015 | 0.10338853355773597 | 200661.76457000003 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 25165.50033999991 | 1.6529538051035866 | -38541.01184999998 | -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 | 25165.50033999991 | 1.6529538051035866 | -38541.01184999998 | -38541.01184999998 | 0.48618559106193965 | -75009.59719999999 | -0.7213595483166835 | -43575.787100000016 | 0.44725020997836806 | -78834.56111000001 [buhinfin] BANQUE DE L'UNION HAÏTIENNE (BUH) INDICATEURS FINANCIERS Var.sept 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 | 0.05662724533990517 | 49805168.98142602 | 0.027960908303358643 | 51197766.74434896 | 0.1048301707336433 | 46339942.645078175 | 0.018723090534741242 | 45488261.80110802 | 0.0016876092426340399 | 45411624.72350161 | 0.17853905544743237 | 38532133.92767971 Bons B.R.H. | 0 | 0 | 0 | 0 | 899849.5714299999 | 0 | 300000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 14287856.408734636 | -0.07897896096241815 | 13159416.355192548 | -0.011454100815840888 | 13008687.073582547 | 0.029678367115141425 | 13394763.664238324 | 0.08038190502087403 | 12398174.758378172 | 0.04126368529411099 | 11906854.07882657 | -0.22273266022544605 | 15318865.81299061 | 0.1894056984488929 | 12879428.636476168 Dépôts | 37716220.14935127 | 0.02699688419908282 | 38734440.57715042 | 0.058587149625312016 | 41003781.04289669 | 0.055331410092400675 | 43272578.06712021 | 0.13482312481348713 | 38131561.75702027 | 0.00270492663227602 | 38028696.9219254 | 0.006630220958906787 | 37778218.982636556 | 0.19833310653819397 | 31525640.722530156 Avoir des Actionnaires | 3351421.270412923 | 0.014415758639733628 | 3399734.550547265 | 0.036996222035929255 | 3525511.8848425318 | 0.09750202627269784 | 3869256.4372631568 | 0.16725701107595667 | 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 - sept 25) | (oct. 23- sept 24) Résultats Revenus nets d'intérêt | 291859.6677417329 | -0.06978500151033704 | 313755.06545864 | 317832.4261229071 | 0.058230122479170185 | 300343.393531744 | 310821.29796394403 | 0.025722847752696378 | 303026.59109615895 | 313704.4124963689 | 0.030860433483080957 | 304313.17597128206 | 1234217.804324953 | 0.010462729915022924 | 1221438.2260578251 Autres revenus | 279856.8924487768 | -0.09800121219210538 | 310263.0471698372 | 310689.86646215565 | 0.15344566325907114 | 269358.04291317775 | 316929.82467837713 | 0.055908658025193514 | 300148.9023407698 | 358117.93639973283 | 0.2108727666485418 | 295751.9123920286 | 1265594.5199890423 | 0.07662351063321278 | 1175521.9048158133 Dot. à la prov. pr créances douteuses | -12915.2223965123 | -3.7563559405265186 | 4685.614875285388 | 16047.158492235349 | -0.614287980485574 | 41603.98867641502 | -76321.72838028843 | -6.1129585674844265 | -10729.95542658987 | -36987.71009317697 | -1.4084020570763862 | -15357.780477100732 | -110177.50237774235 | -6.453827551859867 | 20201.867648009804 Dépenses d'exploitation | 532355.943597132 | -0.06655455786625689 | 570312.8641136549 | 540235.2547891401 | -0.050918201483120706 | 569218.8551433189 | 524057.27391508 | -0.08108397548365504 | 570299.4179374641 | 583546.2215132958 | 0.12367113920171008 | 519321.179618322 | 2180194.693814648 | -0.021962439546576815 | 2229152.3168127597 Bénéfice (perte) net | 36593.087292922966 | 0.1463399046037613 | 31921.67274816414 | 50998.67241258118 | 2.974162612500617 | -25833.06567030087 | 125777.33246098767 | 1.2468886251067663 | 55978.44550706694 | 87675.40685238803 | 0.3283762279164928 | 66001.93906654257 | 301044.49901887984 | 1.3506431583231524 | 128068.99165147296 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 - sept 25) | (oct. 23- sept 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 | 0.07078606411630307 | 0.06838397663983795 | 0.07557471122879071 | 0.07153285036436353 | 0.07557471122879071 | 0.07153285036436353 | 0.07153285036436353 | 0.05793862135650572 | 0.07492218026626138 | 0.08399211660595632 Dépôts en % de l'actif | 0.8023621356615369 | 0.8103979351069833 | 0.8217593893131863 | 0.8011794807682179 | 0.823283644679297 | 0.7863676803135142 | 0.8452044067312076 | 0.8228659678988678 | 0.8452044067312076 | 0.8228659678988678 | 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 | 0.010659296369868393 | 0.015999920355612943 | 0.0008604077610738926 | 0.002727897304453172 | 0.0008604077610738926 | 0.002727897304453172 | 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 | 1.9557970575746957 | 1.5480180584519778 | 19.292307629486675 | 7.098174752274438 | 19.292307629486675 | 7.098174752274438 | 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 | -0.038393273088229124 | -0.033759897586876246 | -0.05540511014435195 | -0.06344777233175647 | -0.05540511014435195 | -0.06344777233175647 | -0.06344777233175647 | 0.0009411805187272899 | 0.32433516656661493 | 0.03182783967513231 Rentabilité ROA (rendement de l'actif) | 0.003136110503480442 | 0.0027591752803112833 | 0.004333744230071405 | -0.0021982579094638626 | 0.010379684880422976 | 0.004741150006846553 | 0.006944384831777844 | 0.005626252248950883 | 0.006172884331678029 | 0.0027893171259060143 | 0.0027893171259060143 | 0.008390643149983825 | 0.005808606807929885 | 0.010956370573103082 ROE (rendement avoir des action.) | 0.04391445300446727 | 0.042658444958025454 | 0.06043252298132008 | -0.03146281460655722 | 0.1452971629350061 | 0.06925433890648355 | 0.09485128191539839 | 0.08044535531088381 | 0.08380872857888874 | 0.04304582967163536 | 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 | 0.7384991979255204 | 0.7109422383041422 | 0.7149073040928434 | 0.7108487980664728 | 0.7335497694315912 | 0.7144008024901575 | 0.7144008024901575 | 0.800697918210508 | 0.7407085462128182 | 0.7567250680954185 Rendement moyen des prêts | 0.10319740676738752 | 0.11832803392134418 | 0.10264863714506628 | 0.11064082649750971 | 0.1041651376992354 | 0.11156709665067921 | 0.10166004162811479 | 0.1152276696445431 | 0.1067567155321497 | 0.11661704772677597 | 0.11661704772677597 | 0.13046658261541064 | 0.11366742252460704 | 0.12312780632975993 Rendement moyen des prêts productifs | 0.10372420256139463 | 0.12017652993045243 | 0.10352527342837466 | 0.11290854231814104 | 0.10524810871769714 | 0.11413562149232556 | 0.10224270386948298 | 0.11631269269527769 | 0.10694487290322675 | 0.11792300687520087 | 0.11792300687520087 | 0.14080894038739883 | 0.12458455227695817 | 0.12751218829470384 Rémunération moyenne des dépôts | 0.011583660640261841 | 0.012643001618488695 | 0.010812153692655526 | 0.012770668707566424 | 0.011042240669418628 | 0.01314683999740382 | 0.01187520747323133 | 0.013117908436394491 | 0.011014424912995719 | 0.012822955781549315 | 0.012643001701479748 | 0.0127809960700656 | 0.014257861429705245 | 0.01675649045222914 Dépenses d'exploitation en % du produit net bancaire | 0.9311536181840493 | 0.9139363947488544 | 0.8595323684816253 | 0.9991529224419473 | 0.834816944188368 | 0.9454950079086686 | 0.8686019785917273 | 0.8654414157550487 | 0.8721433495664288 | 0.929991403736984 | 0.929991403736984 | 1.0728510952816075 | 0.7934167257992941 | 0.7158666312225299 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 4907.43828489708 | 5396.913406516559 | 5371.985406709939 | 4916.517250873111 | 5348.252376079414 | 5177.472046668917 | 5748.2126108757375 | 5145.252633340285 | 5375.940482395689 | 5171.435018066102 | 5171.435018066102 | 6478.839915157717 | 5258.012596367964 | 4810.9360983483275 [buhvar] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept 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 | 0.1763580494729076 | 1615538.414967914 | 0.6919502735618742 | 2733410.663154679 | 0.47141115625446367 | 1857679.718911936 | -0.65641211950126 | 5406709.096419216 | 2.177408285459028 | 1701609.806068133 | 0.5476469605845711 | 1099481.89051165 Avoirs à la BRH | 18749154.41189008 | -0.03424334956162035 | 18107120.56337893 | 0.09039011373075732 | 19743825.250439286 | -0.05730349512231543 | 18612435.05650489 | 0.042031736437042874 | 17861677.726002168 | 0.42770706530537667 | 12510744.087535687 | -0.26996931705283905 | 17137285.29468015 | -0.15398196586635493 | 20256406.605125606 Avoirs à l'étranger | 172912.77740836 | 8.936479735178684 | 1718144.3086716319 | -0.18402906528359092 | 1401955.81752447 | 0.2290244638361622 | 1723037.996955 | 0.2616786760597355 | 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 | 0.002237383455864495 | 381294.9438804119 | -0.0007316893494275442 | 381015.95443098404 | -0.0037492013249031094 | 382449.835862308 | -0.002815048660884846 | 383529.49003965396 | -0.17545186306931493 | 465138.992936558 | 4.6937956031491765 | 81692.253350172 Autres liquidités | 187517.227969873 | -0.9262492264542335 | 13829.540615935999 | -0.4711633117874892 | 7313.568458832 | -0.0652036502603762 | 6836.697098887 | -0.013938797435767137 | 6933.339513925001 | -0.9925953369676218 | 936347.7424438801 | 8.008967365429863 | 103935.079844659 | 13.880181449248346 | 6984.7992243339995 20481486.0134836 | 0.05426320957891445 | 21592877.181520864 | 0.0721094646471 | 23149927.995270915 | 0.013253102685079673 | 23456736.36814444 | 0.09231101496727012 | 21474411.634352416 | 0.0208437636398286 | 21035943.40213745 | -0.0010551019912318673 | 21058161.910701115 | -0.05753971924568089 | 22343818.981789604 Bons B.R.H. | 0 | 0 | 0 | 0 | 899849.5714299999 | -0.66661094306768 | 300000 | 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 | 5034852.262241155 | 0.20268063672228698 | 6055319.324554839 | 0.05028647499417665 | 6359819.988350821 | 0.21075817413190664 | 7700204.0369032435 | 0.2871841094974577 | 5982208.745499163 | -0.12458262871870114 | 6833550.420347888 | -0.009723376871802171 | 6900648.021722754 | 3.826728540216274 | 1429673.942552724 Portefeuille net | 14287856.408734636 | -0.07897896096241815 | 13159416.355192548 | -0.011454100815840888 | 13008687.073582547 | 0.029678367115141425 | 13394763.664238324 | 0.08038190502087403 | 12398174.758378172 | 0.04126368529411099 | 11906854.07882657 | -0.22273266022544605 | 15318865.81299061 | 0.1894056984488929 | 12879428.636476168 Immobilisations | 5076929.43916 | -0.014109525682139587 | 5005296.372851761 | 0.00027610499864379076 | 5006678.360199999 | -0.008103272934908394 | 4966107.878949999 | -0.024686206369643384 | 5091805.233744239 | 0.2228491427890016 | 4163886.6607300006 | 2.607793388689217 | 1154136.67362 | 0.11043586633713243 | 1039354.6431699999 Autres actifs | 2125356.4579384006 | -0.37747920121874884 | 1323078.5998907038 | 0.04317762580829242 | 1380205.992591744 | -0.00018199926688013045 | 1379954.7961129488 | -0.009608175427998947 | 1393342.2731041806 | -0.09992393031484723 | 1548027.2390661077 | 0.579922227969989 | 979812.3044671239 | 0.1666408212105296 | 839857.723691214 47006480.58155779 | 0.00275509357115612 | 47135987.83401071 | 0.05662724533990517 | 49805168.98142602 | 0.027960908303358643 | 51197766.74434896 | 0.1048301707336433 | 46339942.645078175 | 0.018723090534741242 | 45488261.80110802 | 0.0016876092426340399 | 45411624.72350161 | 0.17853905544743237 | 38532133.92767971 PASSIF Dépôts À vue | 16534980.098803192 | 0.025951233866128156 | 16964083.23431901 | 0.05244874440848084 | 17853828.1 | 0.09176512701338675 | 19492186.903271675 | 0.13685912478654794 | 17145648.461001225 | -0.0022144728566241174 | 17183701.301108867 | 0.03880315702567971 | 16541826.220772717 | 0.27044844707170224 | 13020462.387828887 Épargne | 8768558.088742578 | 0.039426935242155764 | 9114275.460674513 | 0.05148507949238403 | 9583524.657282826 | 0.0036857001180568612 | 9618846.655243574 | 0.1383613976554231 | 8449730.178003766 | -0.006205996408954427 | 8502496.641628861 | 0.048860883884537326 | 8106410.270673083 | 0.20925402459958112 | 6703645.475447021 À terme | 12412681.961805498 | 0.019608970978258686 | 12656081.882156897 | 0.07192956018563756 | 13566428.28561386 | 0.04386683145055755 | 14161544.508604959 | 0.12965360949888555 | 12536183.118015284 | 0.0156924573503474 | 12342498.979187675 | -0.0599759757891088 | 13129982.491190754 | 0.11256585460377676 | 11801532.859254247 37716220.14935127 | 0.02699688419908282 | 38734440.57715042 | 0.058587149625312016 | 41003781.04289669 | 0.055331410092400675 | 43272578.06712021 | 0.13482312481348713 | 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 | 0.06550524707676623 | 3406106.576120323 | -0.27853776491774546 | 2457377.2633361337 | -0.04710643679421878 | 2578858.0784079167 | -0.033195789716617324 | 2667404.6833660565 | 1.0544391939867879 | 1298361.4658313468 | 0.00041964770356142135 | 1297816.839974808 3426149.5887261285 | -0.0669684717378857 | 3196705.586823754 | 0.06550524707676623 | 3406106.576120323 | -0.27853776491774546 | 2457377.2633361337 | -0.1750606444972008 | 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 | 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 | 0.1271823334126302 | 620506.5381000224 | 0.07266934210156431 | 665598.3399934702 | -0.02847367016334471 | 685105.8170552914 | 0.006580898306650319 | 680626.682075758 | 0.17904079002557635 | 577271.5310901105 | 0.41270921596130095 | 408627.28477162 648875.8221621392 | -0.15161965889206971 | 550493.4913426044 | 0.1271823334126302 | 620506.5381000224 | 0.07266934210156431 | 665598.3399934702 | -0.02847367016334471 | 685105.8170552914 | 0.006580898306650319 | 680626.682075758 | -0.6583627953155424 | 1992249.8859701105 | -0.11557383695431052 | 2252590.40179162 Autres passifs | 1863813.7886053254 | -0.326856772942172 | 1254613.6282966651 | -0.004264827224553007 | 1249262.9179384103 | -0.25319432503800815 | 932956.636635982 | -0.24124501679100085 | 1229588.8096711175 | -0.16694881154195013 | 1476006.308744419 | 5.138351836319308 | 240456.452823575 | 0.0945237822282083 | 219690.4779300993 43655059.348844856 | 0.0018598974776273165 | 43736253.28361344 | 0.058153216164836194 | 46279657.07505544 | 0.02266337519159541 | 47328510.3070858 | 0.1000205554064596 | 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 | 728155.76157 | 0.0299994034008616 | 750000 | 0.0299994034008616 | 728155.76157 | 0 | 728155.76157 | -3.433213471075307e-05 | 728180.76157 | -0.009866245990355437 | 735436.76157 Réserves | 930894.1470000001 | -0.030465424120880283 | 902534.062 | 0 | 902534.062 | -0.4710686054971297 | 477378.60000000003 | -0.48718272476150826 | 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 | 0 Surplus d'apport | 1198554.27904 | 0 | 1198554.27904 | 0 | 1198554.27904 | 0.19542286172271311 | 1432779.18618 | 0.19542286172271311 | 1198554.27904 | 2.328138739979809e-07 | 1198554 | -9.569286293484027e-05 | 1198668.70404 | -0.058839844691228174 | 1273607.57601 BNR | 493817.08280292316 | 0.15526673297558105 | 570490.447937265 | 0.22047228792356197 | 696267.7822325316 | 0.7365425802214642 | 1209098.651083157 | 1.644433938173054 | 457223.99551356555 | 0.4156750674392881 | 322972.41509 | -0.703819342823062 | 1090457.486888 | 0.16908272120811682 | 932746.2181299999 3351421.270412923 | 0.014415758639733628 | 3399734.550547265 | 0.036996222035929255 | 3525511.8848425318 | 0.09750202627269784 | 3869256.4372631568 | 0.16725701107595667 | 3314828.1831235653 | 0.257747676624015 | 2635527.1766600003 | -0.22537759975536745 | 3402337.9337179996 | 0.05127384725056708 | 3236395.48593 47006480.61925778 | 0.0027550927701205734 | 47135987.83416071 | 0.05662724487982063 | 49805168.95989797 | 0.027960908747689767 | 51197766.74434895 | 0.10483017072887504 | 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 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4044159.016698276 | 0.1618558635784297 | 4698729.866794469 | 0.1294050620997509 | 5306769.296996961 | -0.1572966830758705 | 4472032.08873047 | -0.0822126129786159 | 4872623.17173931 | 3361981.889064204 | 2620854.426157199 | 3234982.958983928 Portefeuille brut | 14575993.684994932 | -0.0741426488014384 | 13495290.90427637 | -0.015533723364174901 | 13285658.788650274 | 0.025230284281251847 | 13620859.736751633 | 0.0773454996358982 | 12642981.978719886 | 0.041054731637814396 | 12144397.018233247 | -0.24314692173690344 | 16045910.847193018 | 0.1852242592771332 | 13538290.93658562 Provisions pour créances douteuses | 288137.27626029646 | 0.1656754497130721 | 335874.5490838208 | -0.17537153135528089 | 276971.7150677267 | -0.18368533603504705 | 226096.072513308 | -0.07643217304737984 | 244807.22034171392 | 0.030580917088851398 | 237542.9394066763 | -0.6732761682812831 | 727045.034202408 | 0.10348556000491962 | 658862.300109452 Portefeuille de crédit improductif | 103751.32196662998 | 0.29108764669299925 | 133952.050119184 | 0.057212445581588174 | 141615.77449716997 | -0.9172444350100687 | 11719.493430000002 | -0.6601937955173232 | 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 | 1615538.414967914 | 0.032437163611881356 | 2733410.663154679 | 0.05338925576194949 | 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 | 19743825.250439286 | 0.3964212079634225 | 18612435.05650489 | 0.36353997918394104 | 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 | 1401955.81752447 | 0.028148801544018557 | 1723037.996955 | 0.03365455383159234 | 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 | 381294.9438804119 | 0.007655730352458181 | 381015.95443098404 | 0.007442042469030924 | 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 | 7313.568458832 | 0.00014684356279484704 | 6836.697098887 | 0.00013353506478173898 | 6933.339513925001 | 0.00014961907844876022 | 936347.7424438801 | 0.020584381670549396 | 103935.079844659 | 0.002288732906551791 | 6984.7992243339995 | 0.00018127205821104138 20481486.0134836 | 0.43571621955290923 | 21592877.181520864 | 0.4580974786729863 | 23149927.995270915 | 0.4648097470345755 | 23456736.36814444 | 0.45815936631129556 | 21474411.634352416 | 0.4634104059823052 | 21035943.40213745 | 0.4624477297926792 | 21058161.910701115 | 0.46371743003951604 | 22343818.981789604 | 0.5798749434362065 Bons B.R.H. | 0 | 0 | 0 | 0 | 899849.5714299999 | 0.01806739320100657 | 300000 | 0.005859630586975027 | 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 | 6359819.988350821 | 0.1276939747101873 | 7700204.0369032435 | 0.1504011703352894 | 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 | 13008687.073582547 | 0.2611915056132811 | 13394763.664238324 | 0.26162788957424193 | 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 | 5006678.360199999 | 0.1005252760424757 | 4966107.878949999 | 0.09699852541904362 | 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 | 1380205.992591744 | 0.027712103398473922 | 1379954.7961129488 | 0.026953417773154405 | 1393342.2731041806 | 0.03006784630218288 | 1548027.2390661077 | 0.03403135617348211 | 979812.3044671239 | 0.02157624419810832 | 839857.723691214 | 0.02179629410786146 47006480.58155779 | 1 | 47135987.83401071 | 1 | 49805168.98142602 | 1 | 51197766.74434896 | 1 | 46339942.645078175 | 1 | 45488261.80110802 | 1 | 45411624.72350161 | 1 | 38532133.92767971 | 1 PASSIF Dépôts À vue | 16534980.098803192 | 0.3517595849388141 | 16964083.23431901 | 0.3598966312970462 | 17853828.1 | 0.35847339674037204 | 19492186.903271675 | 0.3807233819514825 | 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 | 9583524.657282826 | 0.1924202819361347 | 9618846.655243574 | 0.1878762935749589 | 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 | 13566428.28561386 | 0.27238996600279025 | 14161544.508604959 | 0.27660473120476614 | 12536183.118015284 | 0.27052651346660156 | 12342498.979187675 | 0.2713337131489828 | 13129982.491190754 | 0.2891326300509057 | 11801532.859254247 | 0.3062776871222429 37716220.14935127 | 0.8023621356615369 | 38734440.57715042 | 0.8217593893131863 | 41003781.04289669 | 0.823283644679297 | 43272578.06712021 | 0.8452044067312076 | 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 | 3406106.576120323 | 0.06838861599667641 | 2457377.2633361337 | 0.047997743253271316 | 2578858.0784079167 | 0.05565086901724555 | 2667404.6833660565 | 0.05863940668977338 | 1298361.4658313468 | 0.028590949426203056 | 1297816.839974808 | 0.03368141620214073 3426149.5887261285 | 0.07288674979148134 | 3196705.586823754 | 0.06781878843996961 | 3406106.576120323 | 0.06838861599667641 | 2457377.2633361337 | 0.047997743253271316 | 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 | 620506.5381000224 | 0.012458677498542963 | 665598.3399934702 | 0.013000534638885139 | 685105.8170552914 | 0.0147843475401465 | 680626.682075758 | 0.014962688287622788 | 577271.5310901105 | 0.012711977045634279 | 408627.28477162 | 0.010604844401780743 648875.8221621392 | 0.013803965200847538 | 550493.4913426044 | 0.011678836418601561 | 620506.5381000224 | 0.012458677498542963 | 665598.3399934702 | 0.013000534638885139 | 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 | 1249262.9179384103 | 0.02508299727693528 | 932956.636635982 | 0.018222604147845153 | 1229588.8096711175 | 0.02653410296790071 | 1476006.308744419 | 0.03244807012407025 | 240456.452823575 | 0.005295041837583341 | 219690.4779300993 | 0.005701487447916394 43655059.348844856 | 0.9287029960284283 | 43736253.28361344 | 0.9278739089468236 | 46279657.07505544 | 0.9292139354514517 | 47328510.3070858 | 0.9244252887712092 | 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 | 728155.76157 | 0.014620084149128238 | 750000 | 0.014649076467437567 | 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 | 902534.062 | 0.018121293039615717 | 477378.60000000003 | 0.009324207487091056 | 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 | 1198554.27904 | 0.024064857193577236 | 1432779.18618 | 0.02798518914573838 | 1198554.27904 | 0.025864388487051783 | 1198554 | 0.026348643639990774 | 1198668.70404 | 0.026395635728480336 | 1273607.57601 | 0.03305312854980759 BNR | 493817.08280292316 | 0.010505297922615888 | 570490.447937265 | 0.012103076102833487 | 696267.7822325316 | 0.013979829733981881 | 1209098.651083157 | 0.023616238128523707 | 457223.99551356555 | 0.009866736327567032 | 322972.41509 | 0.007100126544781119 | 1090457.486888 | 0.02401273888629803 | 932746.2181299999 | 0.02420697021038739 3351421.270412923 | 0.07129700477358855 | 3399734.550547265 | 0.07212609105635853 | 3525511.8848425318 | 0.07078606411630307 | 3869256.4372631568 | 0.07557471122879071 | 3314828.1831235653 | 0.07153285036436353 | 2635527.1766600003 | 0.05793862135650572 | 3402337.9337179996 | 0.07492218026626138 | 3236395.48593 | 0.08399211660595632 47006480.61925778 | 1.000000000802017 | 47135987.83416071 | 1.0000000000031821 | 49805168.95989797 | 0.9999999995677546 | 51197766.74434895 | 0.9999999999999999 | 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) Septembre 25 | Septembre 24 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 251532.91225467902 | 2481877.7509 | 2733410.663154679 | 0.09202163277009402 | 340947.229631936 | 1516732.48928 | 1857679.718911936 | 0.18353391392550306 Avoirs à la BRH | 13508785.963574888 | 5103649.09293 | 18612435.05650489 | 0.7257935849105183 | 13168369.047412168 | 4693308.678590001 | 17861677.726002168 | 0.7372414422326237 Avoirs à l'étranger | 1723037.996955 | 0 | 1723037.996955 | 1 | 1365671.014062079 | 0 | 1365671.014062079 | 1 Avoirs dans les banques locales | 288628.60734098405 | 92387.34709000001 | 381015.95443098404 | 0.7575236784297579 | 290226.563772308 | 92223.27209 | 382449.835862308 | 0.7588617814881145 Autres liquidités | 2244.5111688869997 | 4592.18593 | 6836.697098887 | 0 | -1223.6865160749999 | 8157.02603 | 6933.339513925001 | -0.17649309017931886 15774229.991294438 | 7682506.376850001 | 23456736.368144438 | 0.6724818723169318 | 15163990.168362416 | 6310421.465990001 | 21474411.634352416 | 0.7061422881595845 Bons B.R.H. | 0 | 300000 | 300000 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 5567922.140431037 | 2132281.8964722063 | 7700204.0369032435 | 0.7230876108927451 | 5156097.412821898 | 826111.3326772647 | 5982208.745499163 | 0.861905298223034 Portefeuille net | 9592424.455754189 | 3802339.2084841365 | 13394763.664238326 | 0.7161324153381132 | 8457679.042192657 | 3940495.716185517 | 12398174.758378174 | 0.6821713040040274 Immobilisations | 0 | 4966107.878949999 | 4966107.878949999 | 0 | 0 | 5091805.233744239 | 5091805.233744239 | 0 Autres actifs | 241366.96977589055 | 1138587.8263370583 | 1379954.7961129488 | 0.17490933069385467 | 212635.5577129 | 1180706.7153912806 | 1393342.2731041806 | 0.1526082727965874 31175943.557255555 | 20021823.1870934 | 51197766.74434896 | 0.6089317081530056 | 28990402.18108987 | 17349540.463988304 | 46339942.645078175 | 0.6256028930188798 PASSIF Dépôts À vue | 12822495.546661673 | 6669691.35661 | 19492186.903271675 | 0.6578274469813069 | 11324248.842101231 | 5821399.6188999945 | 17145648.461001225 | 0.6604736395860964 Épargne | 5852154.614133574 | 3766692.04111 | 9618846.655243574 | 0.608405022336369 | 5457751.646053767 | 2991978.5319499993 | 8449730.178003766 | 0.6459083936504054 À terme | 11128552.820514958 | 3032991.6880900003 | 14161544.508604959 | 0.7858290325432322 | 10286766.264195284 | 2249416.85382 | 12536183.118015284 | 0.8205660500772802 29803202.981310207 | 13469375.08581 | 43272578.06712021 | 0.6887318554277579 | 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 | 887314.1517261781 | 1570063.1116099549 | 2457377.263336133 | 0.36108177810742875 | 1226184.2420537157 | 1352673.8363542005 | 2578858.0784079162 | 0.475475658129552 887314.1517261781 | 1570063.1116099549 | 2457377.263336133 | 0.36108177810742875 | 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 | 458664.5798391439 | 206933.76015432633 | 665598.3399934702 | 0.6891011474632638 | 559888.1495529701 | 125217.66750232136 | 685624.6318052914 | 0.8166103193794985 458664.5798391439 | 206933.76015432633 | 665598.3399934702 | 0.6891011474632638 | 559888.1495529701 | 125217.66750232136 | 685105.8170552915 | 0.8172287194399698 Autres passifs | 26479.647376866393 | 906476.9892591155 | 932956.636635982 | 0.028382506042666306 | 109334.54687345459 | 1120254.262797663 | 1229588.8096711175 | 0.08891960142569831 31175661.360252395 | 16152848.946833396 | 47328510.3070858 | 0.6587078519474323 | 28964173.69083043 | 13660940.771324178 | 43025114.462154604 | 0.6731922518488046 AVOIR DES ACTIONNAIRES Capital versé | 0 | 750000 | 750000 | 0 | 0 | 728155.76157 | 728155.76157 | 0 Réserves | 0 | 477378.60000000003 | 477378.60000000003 | 0 | 0 | 930894.1470000001 | 930894.1470000001 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 1432779.18618 | 1432779.18618 | 0 | 0 | 1198554.27904 | 1198554.27904 | 0 BNR | 0 | 1209098.651083157 | 1209098.651083157 | 0 | 0 | 457223.99551356555 | 457223.99551356555 | 0 0 | 3869256.4372631568 | 3869256.4372631568 | 0 | 3314828.1831235653 | 3314828.1831235653 31175661.360252395 | 20022105.38409655 | 51197766.74434894 | 0.6089261962523682 | 28964173.69083043 | 17375768.954447743 | 46339942.64527817 | 0.625036891231063 *Converties au taux de 130.6911 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 | -0.031871754103220885 | 348705.16406 | -0.019473298906556028 | 341914.72416999994 | 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 | 2.190476191832858 | 3359.5714299999995 | 0.19402984981331403 | 4011.42857 | 0 | 0 | 351 | 4.166666666666667 | 1813.5 | -0.8387096774193549 | 292.5 Autres | 48988.575561733 | 0.22312343022507186 | 59919.07458290699 | 0.14850975524871493 | 68817.641683944 | 0.34962727105539 | 92878.165946369 | 66156.98609864 | -0.04294503051665465 | 63315.87231174401 | 0.05754253777751716 | 66959.22828615899 | -0.021292915794486243 | 65533.47107659803 401684.03848173295 | 0.048478212937653746 | 421156.9628329071 | -0.0006519793881978684 | 420882.377173944 | 0.042581829234009605 | 438804.31868636893 | 434133.62217864 | -0.02962196450567543 | 421273.731431744 | 0.011770572135040376 | 426232.364276159 | 0.0043777890219386184 | 428098.3196412821 Dépenses d'intérêt | 109824.37074000001 | -0.05918389503353336 | 103324.53671 | 0.06519789698072768 | 110061.07921 | 0.13664073701572055 | 125099.90619 | 120378.55672 | 0.004583716527549267 | 120930.33789999998 | 0.01881608304015195 | 123205.77318000002 | 0.004702462190254095 | 123785.14366999999 291859.6677417329 | 0.08899057064697789 | 317832.4261229071 | -0.022059197182894803 | 310821.29796394403 | 0.009275794648921842 | 313704.4124963689 | 313755.06545864 | -0.04274567458310544 | 300343.393531744 | 0.008933765889980669 | 303026.59109615895 | 0.004245782096115914 | 304313.17597128206 AUTRES REVENUS Commissions | 174582.2300233334 | 0.05868499142061488 | 184827.58669444453 | 0.06745939916637086 | 197295.94464222208 | 0.04134722977996172 | 205453.58539999864 | 172609.9259100001 | -0.14240267499342119 | 148029.81072999985 | 0.15840814621449736 | 171478.93863222204 | 0.02237043083047623 | 175314.99636777764 Gains sur change | 62394.19291 | 0.16889348960064618 | 72932.1658813858 | -0.0030475645091507116 | 72709.90040107019 | 0.18733833189266 | 86331.25185428813 | 75002.25032058252 | -0.12799497306206134 | 65402.33931120558 | 0.08033058407906456 | 70656.14742821189 | -0.0710237086189783 | 65637.885801131 Autres | 42880.469515443445 | 0.23436414023550967 | 52930.11388632533 | -0.11347291381498761 | 46923.979635084856 | 0.4136290157250237 | 66333.09914544606 | 62650.87093925457 | -0.10734053599674101 | 55925.89287197234 | 0.0373337518838239 | 58013.81628033587 | -0.05541414551460138 | 54799.03022311999 279856.8924487768 | 0.11017407412619759 | 310689.86646215565 | 0.020084202575630362 | 316929.82467837713 | 0.12995972140884413 | 358117.93639973283 | 310263.0471698372 | -0.13183975542620188 | 269358.04291317775 | 0.11431201049198632 | 300148.9023407698 | -0.014649362081455017 | 295751.9123920286 PRODUIT NET BANCAIRE | 571716.5601905098 | 0.09935995622660287 | 628522.2925850628 | -0.0012269571848754484 | 627751.1226423212 | 0.07020493419155775 | 671822.3488961018 | 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 | -5.756089896988168 | -76321.72838028843 | 0.5153711678425542 | -36987.71009317697 | 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 | 0.1495533644242601 | 704072.8510226096 | 0.006728292334789925 | 708810.0589892787 | 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 | 0.016420675539074826 | 230191.73991 | -0.020535540075625792 | 225464.62821000017 | 236242.04523000002 | -0.058970238072722767 | 222310.79557999998 | -0.0006094382400391201 | 222175.31088 | -0.2060420415692589 | 176397.85624000002 Frais de locaux | 89248.43530000001 | 0.010175300742779461 | 90156.56497 | -0.00804721176146658 | 89431.056 | -0.047451565112439906 | 85187.41242314174 | 108590.53133999999 | -0.0011972158934645803 | 108460.52502999998 | 0.04049246275347878 | 112852.3588 | 0.0441413834742105 | 117833.81804576 Amortissement | 24080.07539 | -0.018316154864829147 | 23639.021 | 0.040005582295476495 | 24584.713799999998 | 0.5190278237040122 | 37344.864299999994 | 21942.661749999996 | 0.20556724755600844 | 26453.354330000002 | -0.014654429270633854 | 26065.69552 | -0.07251866341144157 | 24175.44612 Autres dépenses d'exploitation | 193919.39715713199 | 0.03118496592224789 | 199966.76694914 | -0.10060173023238714 | 179849.76420508 | 0.3097004470440143 | 235549.31658015383 | 203537.62579365497 | 0.04154786800076578 | 211994.180203319 | -0.013151905694679677 | 209206.05273746402 | -0.03963553356320808 | 200914.059212562 532355.943597132 | 0.014800832575978275 | 540235.2547891401 | -0.029946177578459812 | 524057.27391508 | 0.11351611848413264 | 583546.2215132958 | 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 | 1.491914145520188 | 180015.57710752962 | -0.3041500103007282 | 125263.83747598296 | 49019.6336395368 | -1.8388762689904254 | -41121.407374812174 | 2.060421656501093 | 43606.03092605458 | 1.2038623369564396 | 96101.68922208942 Impôts sur le revenu | 15682.751696967101 | 0.35443111652491693 | 21241.206891106187 | 1.5534445817790044 | 54238.24464654194 | -0.30697553232870967 | 37588.43062359494 | 17097.96089137266 | -1.8941616957508387 | -15288.3417045113 | 0.19072880367649678 | -12372.414581012366 | 3.432811312493535 | 30099.750155546848 BÉNÉFICE NET (PERTE NETTE) | 36593.087292922966 | 0.393669574921169 | 50998.67241258118 | 1.466286405329227 | 125777.33246098767 | -0.3029315764859118 | 87675.40685238803 | 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- sept. 25) | 2024 (oct.23-sept. 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 | 348705.16406 | -0.024490798536607104 | 357459.63599 | 341914.72416999994 | -0.05619425406145572 | 362272.34856468404 | 1401920.7393999998 | -0.03002440710179735 | 1445315.479754684 | 1445315.479754684 Intérêts sur Bons B.R.H. | 1579.5 | 0 | 0 | 1053 | 2 | 351 | 3359.5714299999995 | 0.852534562999724 | 1813.5 | 4011.42857 | 12.71428570940171 | 292.5 | 10003.5 | 3.0714285714285716 | 2457 | 2457 Autres | 48988.575561733 | -0.2595101673965153 | 66156.98609864 | 59919.07458290699 | -0.05364843924304536 | 63315.87231174401 | 68817.641683944 | 0.0277544028709955 | 66959.22828615899 | 92878.165946369 | 0.41726303247098645 | 65533.47107659803 | 270603.457774953 | 0.03297341862510142 | 261965.55777314102 | 261965.55777314102 401684.03848173295 | -0.07474561296142708 | 434133.62217864 | 421156.9628329071 | -0.0002771798717191652 | 421273.731431744 | 420882.377173944 | -0.012551808709553202 | 426232.364276159 | 438804.31868636893 | 0.02500827159064246 | 428098.3196412821 | 1682527.6971749528 | -0.01591491781525585 | 1709738.037527825 | 1709738.037527825 Dépenses d'intérêt | 109824.37074000001 | -0.08767496693409418 | 120378.55672 | 103324.53671 | -0.1455863060976363 | 120930.33789999998 | 110061.07921 | -0.1066889450934739 | 123205.77318000002 | 125099.90619 | 0.010621327253172174 | 123785.14366999999 | 448309.89285 | -0.08189624013904999 | 488299.81146999996 | 488299.81146999996 291859.6677417329 | -0.06978500151033704 | 313755.06545864 | 317832.4261229071 | 0.058230122479170185 | 300343.393531744 | 310821.29796394403 | 0.025722847752696378 | 303026.59109615895 | 313704.4124963689 | 0.030860433483080957 | 304313.17597128206 | 1234217.804324953 | 0.010462729915022924 | 1221438.2260578251 | 1221438.2260578251 AUTRES REVENUS Commissions | 174582.2300233334 | 0.011426365563482484 | 172609.9259100001 | 184827.58669444453 | 0.24858355072521354 | 148029.81072999985 | 197295.94464222208 | 0.15055496736757182 | 171478.93863222204 | 205453.58539999864 | 0.17191107239335052 | 175314.99636777764 | 762159.3467599987 | 0.14192522664797805 | 667433.6716399996 | 667433.6716399996 Gains sur change | 62394.19291 | -0.16810238835090727 | 75002.25032058252 | 72932.1658813858 | 0.1151308446988548 | 65402.33931120558 | 72709.90040107019 | 0.029066868879950733 | 70656.14742821189 | 86331.25185428813 | 0.31526557872161953 | 65637.885801131 | 294367.51104674407 | 0.06385607562087767 | 276698.622861131 | 276698.622861131 Autres | 42880.469515443445 | -0.31556467017003226 | 62650.87093925457 | 52930.11388632533 | -0.05356694067460061 | 55925.89287197234 | 46923.979635084856 | -0.19115854388310569 | 58013.81628033587 | 66333.09914544606 | 0.21047943504408564 | 54799.03022311999 | 209067.66218229968 | -0.0964691029213711 | 231389.61031468277 | 231389.61031468277 279856.8924487768 | -0.09800121219210538 | 310263.0471698372 | 310689.86646215565 | 0.15344566325907114 | 269358.04291317775 | 316929.82467837713 | 0.055908658025193514 | 300148.9023407698 | 358117.93639973283 | 0.2108727666485418 | 295751.9123920286 | 1265594.5199890423 | 0.07662351063321278 | 1175521.9048158133 | 1175521.9048158133 PRODUIT NET BANCAIRE | 571716.5601905098 | -0.08381415760139363 | 624018.1126284772 | 628522.2925850628 | 0.10324856561218759 | 569701.4364449218 | 627751.1226423212 | 0.04074374617801358 | 603175.4934369288 | 671822.3488961018 | 0.11958246184344849 | 600065.0883633107 | 2499812.3243139954 | 0.04290943020519491 | 2396960.130873638 | 2396960.130873638 Dotation à la provision pour créances douteuses | -12915.2223965123 | -3.7563559405265186 | 4685.614875285388 | 16047.158492235349 | -0.614287980485574 | 41603.98867641502 | -76321.72838028843 | -6.1129585674844265 | -10729.95542658987 | -36987.71009317697 | -1.4084020570763862 | -15357.780477100732 | -110177.50237774235 | -6.453827551859867 | 20201.867648009804 | 20201.867648009804 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 584631.782587022 | -0.05602921741077142 | 619332.4977531917 | 612475.1340928274 | 0.1597767356779728 | 528097.4477685067 | 704072.8510226096 | 0.14687506410964707 | 613905.4488635187 | 708810.0589892787 | 0.15174475125506595 | 615422.8688404114 | 2609989.826691738 | 0.0981301157441136 | 2376758.2632256285 | 2376758.2632256285 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 225108.03574999998 | -0.04712966935737545 | 236242.04523000002 | 226472.90187 | 0.01872201608177082 | 222310.79557999998 | 230191.73991 | 0.036081547487199356 | 222175.31088 | 225464.62821000017 | 0.2781596841134045 | 176397.85624000002 | 907237.3057400002 | 0.05846433003593184 | 857126.00793 | 857126.00793 Frais de locaux | 89248.43530000001 | -0.1781195450590377 | 108590.53133999999 | 90156.56497 | -0.16876149230272605 | 108460.52502999998 | 89431.056 | -0.2075393288102012 | 112852.3588 | 85187.41242314174 | -0.27705463647066275 | 117833.81804576 | 354023.4686931417 | -0.20930527454583728 | 447737.2332157599 | 447737.2332157599 Amortissement | 24080.07539 | 0.0974090410886458 | 21942.661749999996 | 23639.021 | -0.10638852430174972 | 26453.354330000002 | 24584.713799999998 | -0.05681727229813062 | 26065.69552 | 37344.864299999994 | 0.5447435432889539 | 24175.44612 | 109648.67449 | 0.11163659846381861 | 98637.15772000002 | 98637.15772000002 Autres dépenses d'exploitation | 193919.39715713199 | -0.04725528559655046 | 203537.62579365497 | 199966.76694914 | -0.05673463885963177 | 211994.180203319 | 179849.76420508 | -0.14032236710294277 | 209206.05273746402 | 235549.31658015383 | 0.17238842071748006 | 200914.059212562 | 809285.2448915057 | -0.019822727592264628 | 825651.9179469999 | 825651.9179469999 532355.943597132 | -0.06655455786625689 | 570312.8641136549 | 540235.2547891401 | -0.050918201483120706 | 569218.8551433189 | 524057.27391508 | -0.08108397548365504 | 570299.4179374641 | 583546.2215132958 | 0.12367113920171008 | 519321.179618322 | 2180194.693814648 | -0.021962439546576815 | 2229152.3168127597 | 2229152.3168127597 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 52275.838989890064 | 0.06642655419046162 | 49019.6336395368 | 72239.87930368737 | 2.7567462768294257 | -41121.407374812174 | 180015.57710752962 | 3.128226607296433 | 43606.03092605458 | 125263.83747598296 | 0.3034509433699994 | 96101.68922208942 | 429795.13287709 | 1.9117738365018808 | 147605.9464128688 | 147605.9464128688 Impôts sur le revenu | 15682.751696967101 | -0.08277064168041512 | 17097.96089137266 | 21241.206891106187 | 2.3893728503489893 | -15288.3417045113 | 54238.24464654194 | 5.383804332727422 | -12372.414581012366 | 37588.43062359494 | 0.24879543615308256 | 30099.750155546848 | 128750.63385821017 | 5.590107589982024 | 19536.954761395842 | 19536.954761395842 BÉNÉFICE NET (PERTE NETTE) | 36593.087292922966 | 0.1463399046037613 | 31921.67274816414 | 50998.67241258118 | 2.974162612500617 | -25833.06567030087 | 125777.33246098767 | 1.2468886251067663 | 55978.44550706694 | 87675.40685238803 | 0.3283762279164928 | 66001.93906654257 | 301044.49901887984 | 1.3506431583231524 | 128068.99165147296 | 128068.99165147296 [BUHVARAN] BANQUE DE L'UNION HAÏTIENNE (BUH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1401920.7393999998 | -0.03002440710179735 | 1445315.479754684 | 1445315.479754684 | -0.2140524867704151 | 1838946.565039248 | 0.09371265544447775 | 1681379.982105 | 0.039074878454053726 | 1618150.9311499998 Intérêts sur Bons B.R.H. | 10003.5 | 3.0714285714285716 | 2457 | 2457 | 0.9687477441432097 | 1248.00143 | 4.333339444444444 | 234 | 0 | 0 Autres | 270603.457774953 | 0.03297341862510142 | 261965.55777314102 | 261965.55777314102 | -0.5563720435080589 | 590507.324751748 | 1.6383286353619217 | 223818.714938347 | 0.01096358130447881 | 221391.47154 1682527.6971749528 | -0.01591491781525585 | 1709738.037527825 | 1709738.037527825 | -0.29660727063943443 | 2430701.891220996 | 0.2756692456221138 | 1905432.697043347 | 0.03581885052336621 | 1839542.40269 Dépenses d'intérêt | 448309.89285 | -0.08189624013904999 | 488299.81146999996 | 488299.81146999996 | 0.007959361166226428 | 484443.94713 | -0.019468121244006497 | 494062.41411 | 0.10401418473200696 | 447514.55275000003 1234217.804324953 | 0.010462729915022924 | 1221438.2260578251 | 1221438.2260578251 | -0.37241708902655224 | 1946257.9440909962 | 0.37898464182337455 | 1411370.282933347 | 0.013895147998785202 | 1392027.8499399999 AUTRES REVENUS Commissions | 762159.3467599987 | 0.14192522664797805 | 667433.6716399996 | 667433.6716399996 | 0.07231110326185491 | 622425.4039800001 | 0.38508481317249577 | 449377.10533000005 | 0.3202850954773396 | 340363.688774 Gains sur change | 294367.51104674407 | 0.06385607562087767 | 276698.622861131 | 276698.622861131 | -0.10133828014682043 | 307900.75592219183 | -0.2634857259213652 | 418051.30838417186 | 1.8884541115166125 | 144731.85041 Autres | 209067.66218229968 | -0.0964691029213711 | 231389.61031468277 | 231389.61031468277 | 1.405287595277137 | -570926.9491864359 | -3.4901587744964595 | 229273.31182 | 0.1000679471020839 | 208417.40950999997 1265594.5199890423 | 0.07662351063321278 | 1175521.9048158133 | 1175521.9048158133 | 2.2707971241080926 | 359399.21071575605 | -0.6722908313646511 | 1096701.7255341718 | 0.5813716637871624 | 693512.948694 PRODUIT NET BANCAIRE | 2499812.3243139954 | 0.04290943020519491 | 2396960.130873638 | 2396960.130873638 | 0.0395995457852616 | 2305657.154806752 | -0.08070535972547532 | 2508072.0084675187 | 0.20260030880732272 | 2085540.798634 Dotation à la provision pour créances douteuses | -110177.50237774235 | -6.453827551859867 | 20201.867648009804 | 20201.867648009804 | 1.0319787274132488 | -631728.3169823756 | -4.719491321520092 | 169842.66459430777 | 1.6074674394619333 | 65137.02223999999 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2609989.826691738 | 0.0981301157441136 | 2376758.2632256285 | 2376758.2632256285 | -0.19085925696433284 | 2937385.4717891277 | 0.25624352439416026 | 2338229.343873211 | 0.15730794566542727 | 2020403.7763939998 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 907237.3057400002 | 0.05846433003593184 | 857126.00793 | 857126.00793 | -0.1276990717956051 | 982603.57202 | 0.2891304210305672 | 762222.0032899999 | 0.2526227287076956 | 608500.8565 Frais de locaux | 354023.4686931417 | -0.20930527454583728 | 447737.2332157599 | 447737.2332157599 | 0.10107362378645891 | 406636.96190999995 | 0.31185426955200085 | 309971.1388284514 | 0.21736965736583627 | 254623.67733000003 Amortissement | 109648.67449 | 0.11163659846381861 | 98637.15772000002 | 98637.15772000002 | -0.05025161402318337 | 103856.09407332834 | 0.24535197758936964 | 83394.97262 | -0.3366673098319316 | 125721.18615 Autres dépenses d'exploitation | 809285.2448915057 | -0.019822727592264628 | 825651.9179469999 | 825651.9179469999 | -0.1579535864765877 | 980530.1758749709 | 0.175190961738229 | 834358.166288707 | 0.6550675012667521 | 504123.345815266 2180194.693814648 | -0.021962439546576815 | 2229152.3168127597 | 2229152.3168127597 | -0.09883240539043223 | 2473626.803878299 | 0.2430621004510119 | 1989946.2810271583 | 0.3328784410996254 | 1492969.065795266 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 429795.13287709 | 1.9117738365018808 | 147605.9464128688 | 147605.9464128688 | -0.681718193909315 | 463758.6679108287 | 0.33155676340143475 | 348283.0628460529 | -0.33966601771300053 | 527434.7105987337 Impôts sur le revenu | 128750.63385821017 | 5.590107589982024 | 19536.954761395842 | 19536.954761395842 | -0.7629137312526508 | 82404.4128098173 | -0.2113272067033035 | 104484.91885381544 | -0.33966601771300353 | 158230.41317962017 BÉNÉFICE NET (PERTE NETTE) | 301044.49901887984 | 1.3506431583231524 | 128068.99165147296 | 128068.99165147296 | -0.6641731672364568 | 381354.2551010114 | 0.5642213220177498 | 243798.14399223748 | -0.3396660177129993 | 369204.2974191136 [capitalbkinfin ] CAPITAL BANK (CAPITALBK) INDICATEURS FINANCIERS Var.sept 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 | 0.008985863678792762 | 54527609 | -0.024990110972956836 | 53164958 | 0.08628716907189954 | 48941900 | 0 | 48941900 | 0.06915401568401595 | 45776286 | 0.17680518514976562 | 38898780 Bons B.R.H. | 0 | 0 | 350000 | 0 | 0 | 0 | 0 | 0 | 550000 | 0 | 550000 | 0 | 0 | 0 | 150000 Prêts nets | 11777384 | 0.0005693114871689672 | 11784089 | 0.039465842459268596 | 12249158 | -0.013282219071710889 | 12086462 | -0.05316228652802336 | 12765083 | 0 | 12765083 | -0.12027296239761653 | 14510277 | 0.2171181591149883 | 11921831 Dépôts | 41021530 | 0.032974952421326066 | 42374213 | 0.004679260945802109 | 42572493 | -0.006925034904580288 | 42277677 | 0.10689933600717796 | 38194690 | 0 | 38194690 | 0.031501297981876106 | 37028252 | 0.19574335313889535 | 30966722 Avoir des Actionnaires | 5502296 | -0.06167643471016463 | 5162934 | 0.04726014316665679 | 5406935 | 0.056440108860195286 | 5712103 | 0.10604006650836689 | 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 - sept 25) | (oct. 23- sept 24) Résultats Revenus nets d'intérêt | 428551 | -0.14790660497595134 | 502939 | 424522 | -0.13325003164647417 | 489786 | 443271 | -0.05050251902118034 | 466848 | 498742 | 0.05841257849356029 | 471217 | 1795086 | -0.07028418419403457 | 1930790 Autres revenus | 545239 | -0.11580331760855851 | 616649 | 577054 | 0.10404613218232467 | 522672 | 631628 | 0.1407425333981098 | 553699 | 761089 | -0.028495825318191042 | 783413 | 2515010 | 0.015577647366191615 | 2476433 Dot. à la prov. pr créances douteuses | 15144 | -0.7519410319410319 | 61050 | 6508 | -0.8764217761996088 | 52663 | 8204 | -0.8181173236376535 | 45106 | 21033 | 0.30542452830188677 | 16112 | 50889 | -0.7090910130279939 | 174931 Dépenses d'exploitation | 814737 | 0.14787419746146335 | 709779 | 808981 | 0.10904544451283794 | 729439 | 783576 | 0.08845570963623962 | 719897 | 832404 | -0.19037401739461976 | 1028134 | 3239698 | 0.01645588405549739 | 3187249 Bénéfice (perte) net | 135670 | -0.4991176318568127 | 270862 | 172859 | -0.019050483497525764 | 176216 | 244000 | 0.25297195704976455 | 194737 | 305168 | 0.5476070937739304 | 197187 | 857697 | 0.022282426025206137 | 839002 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 - sept 25) | (oct. 23- sept 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 | 0.09915958354234825 | 0.10009885366620547 | 0.10744112691671834 | 0.1031895701030845 | 0.10744112691671834 | 0.1031895701030845 | 0.1031895701030845 | 0.10552232340795924 | 0.10227315077505414 | 0.10359921313727577 Dépôts en % de l'actif | 0.7735330399712156 | 0.7795892896427195 | 0.784097866853361 | 0.7489719368890932 | 0.7807511420498926 | 0.7752688165007219 | 0.7952169735561533 | 0.7736382273950473 | 0.7952169735561533 | 0.7736382273950473 | 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 | 0.017450730328672 | 0.027223365784246886 | 0.008083713119960893 | 0.013240075016499053 | 0.008083713119960893 | 0.013240075016499053 | 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 | 1.8472724638599765 | 1.2016308399129814 | 3.9664553199920745 | 2.2618946595147778 | 3.9664553199920745 | 2.2618946595147778 | 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 | -0.03461166076529494 | -0.012740848349124893 | -0.05242097350135318 | -0.03694352588171516 | -0.05242097350135318 | -0.03694352588171516 | -0.03694352588171516 | -0.06640980872551512 | -0.048604081650089656 | -0.04199030095910973 Rentabilité ROA (rendement de l'actif) | 0.010307202125196627 | 0.021790185338091402 | 0.012915179983761044 | 0.013694438375202168 | 0.017979249514440524 | 0.014922157078007517 | 0.02266956827206097 | 0.01513455725249151 | 0.01626972934469827 | 0.016579160262594303 | 0.016579160262594303 | 0.025372424256520285 | 0.028301767134140763 | 0.031499650789018965 ROE (rendement avoir des action.) | 0.09961097607669905 | 0.20528370869118392 | 0.12966171381207905 | 0.13044544796808671 | 0.1846758933341558 | 0.14673350173963332 | 0.21956431842395 | 0.14889069309524858 | 0.15445936108130937 | 0.15892966147968088 | 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 | 0.7851730221485355 | 0.7754228842499701 | 0.8293264514069261 | 0.7729506556392852 | 0.7840135289357013 | 0.7813907597271674 | 0.7813907597271674 | 0.8223966371902904 | 0.7993268773615595 | 0.7860901596732269 Rendement moyen des prêts | 0.1504897486517485 | 0.16563764461589256 | 0.15346975209035807 | 0.16247821022740816 | 0.15208022612035077 | 0.16147974782511643 | 0.15951375146386731 | 0.16204342918706444 | 0.1543201959884209 | 0.16147344511706513 | 0.16147344511706513 | 0.16463297582703698 | 0.14536228814988364 | 0.15817093593204473 Rendement moyen des prêts productifs | 0.15344124932434383 | 0.16796327791730875 | 0.1568655547122441 | 0.16697556768369798 | 0.15483430607354684 | 0.16654675961391596 | 0.16158182936022947 | 0.16539674692545822 | 0.15597394300143344 | 0.16314125046881425 | 0.16314125046881425 | 0.1658212992370864 | 0.14619540671723333 | 0.15906512222369967 Rémunération moyenne des dépôts | 0.013607662388965084 | 0.013671056561882179 | 0.012666833605643395 | 0.013630691602525438 | 0.011421843714575584 | 0.013595533970458915 | 0.009677293516324128 | 0.013717875765872797 | 0.011957244409654262 | 0.013739245088030264 | 0.013739245088030264 | 0.012338974989837543 | 0.012266024250557107 | 0.013981043459199304 Dépenses d'exploitation en % du produit net bancaire | 0.8366660162868791 | 0.6339644583543232 | 0.8077080521098748 | 0.7204634661388423 | 0.7289763968521694 | 0.7054030828565465 | 0.6607267165199142 | 0.8194718761706639 | 0.7516533274432866 | 0.7231875945464978 | 0.7231875945464978 | 0.6275988950655973 | 0.5830335656071177 | 0.6041727397791697 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 5152.328042328042 | 6130.52977412731 | 5123.150895140665 | 5509.975510204082 | 5494.691373801917 | 5535.1701694915255 | 6485.616473616474 | 6827.918367346939 | 5735.324018629408 | 6045.573388203018 | 6045.573388203018 | 8537.203230735648 | 5034.915632754342 | 3980.501262626263 [capitalbkvar] CAPITAL BANK (CAPITALBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept 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 | 0.20557456134614557 | 1935732 | 0.12985165301808307 | 2187090 | 0.13949395420954572 | 1919352 | -0.04363970115609183 | 2006934 | 0.6036946119842358 | 1251444 | 0.05776062520127089 | 1183107 Avoirs à la BRH | 20891236 | -0.002724252409000597 | 20834323 | 0.051626875516905445 | 21909934 | -0.03807391660787294 | 21075737 | 0.06739966477478908 | 19744935 | 0.10293504018003624 | 17902174 | 0.013660043287653393 | 17660925 | 0.26996385035173137 | 13906636 Avoirs à l'étranger | 9142997 | 0.06655563815672257 | 9751515 | -0.1430349027817729 | 8356708 | -0.10196168156168674 | 7504644 | -0.08656900626043329 | 8215885 | 0.19132538834619217 | 6896424 | 0.39151706995514773 | 4956047 | -0.16414665005769627 | 5929326 Avoirs dans les banques locales | 61322 | -0.17484752617331464 | 50600 | -0.5114624505928854 | 24720 | 0.9105177993527508 | 47228 | 0.9353358193664714 | 24403 | -0.47794369330823205 | 46744 | 0.1998254575322775 | 38959 | -0.35693181255467704 | 60583 Autres liquidités | 160573 | 0.8279411856289662 | 293518 | 0.4172350588379588 | 415984 | 0.07115898688411093 | 445585 | 0.23826925481804667 | 359845 | -0.20034266742814985 | 449999 | 1.0439820492555347 | 220158 | -0.1725125537480831 | 266056 31527389 | 0.03197911504818873 | 32535607 | 0.0033031810348582093 | 32643078 | -0.04236101754865151 | 31260284 | 0.03290543813494526 | 30264420 | 0.108494438650259 | 27302275 | 0.13158170791850124 | 24127533 | 0.13032245170785622 | 21345708 Bons B.R.H. | 0 | 0 | 350000 | 0 | 0 | 0 | 0 | 0 | 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 | 0 Autres Placements | 6253132 | -0.09951509099759928 | 5630851 | 0.030884141668817023 | 5804755 | 0.13442582848027176 | 6585064 | 0.1951552488857123 | 5509798 | 0.08364640914402956 | 5084498 | 0.08714690162476622 | 4676919 | 0.3435743027843237 | 3480953 Portefeuille net | 11777384 | 0.0005693114871689672 | 11784089 | 0.039465842459268596 | 12249158 | -0.013282219071710889 | 12086462 | 0.04470358295602645 | 11569274 | -0.09367812179521277 | 12765083 | -0.12027296239761653 | 14510277 | 0.2171181591149883 | 11921831 Immobilisations | 1842097 | -0.006642972655620198 | 1829860 | 0.044870645841758386 | 1911967 | 0.14457310194161302 | 2188386 | 0.1994948539894531 | 1824423 | 0.12251806595110426 | 1625295 | 0.17732684484417194 | 1380496 | 0.1980206783914801 | 1152314 Autres actifs | 1631385 | 0.17175773958936733 | 1911588 | 0.003694833824024842 | 1918651 | -0.45547053632995266 | 1044762 | -0.34776770246437655 | 1601825 | -0.008003720702102927 | 1614749 | 0.49367056993083647 | 1081061 | 0.27487517305955134 | 847974 53031387 | 0.019056789896896343 | 54041995 | 0.008985863678792762 | 54527609 | -0.024990110972956836 | 53164958 | 0.017126888329653065 | 52269740 | 0.06799572554396131 | 48941900 | 0.06915401568401595 | 45776286 | 0.17680518514976562 | 38898780 PASSIF Dépôts À vue | 18890692 | 0.053768702597025035 | 19906420 | 0.06281676966526377 | 21156877 | -0.06103433885823508 | 19865581 | 0.03062273732656447 | 19275318 | 0.09186911653696439 | 17653506 | 0.0008623849414016491 | 17638295 | 0.2193429014455864 | 14465410 Épargne | 11781118 | 0.051181984596029004 | 12384099 | 0.024485753868731187 | 12687333 | 0.014941122771822888 | 12876896 | 0.17705921669399174 | 10939888 | 0.026711477043753935 | 10655270 | 0.1300746010635477 | 9428820 | 0.2742180720789557 | 7399691 À terme | 10349720 | -0.02570369053462316 | 10083694 | -0.1344161177441521 | 8728283 | 0.09244853770208872 | 9535200 | -0.06724891547339475 | 10222663 | 0.03406351704050834 | 9885914 | -0.007551647969503883 | 9961137 | 0.09443548572281794 | 9101621 41021530 | 0.032974952421326066 | 42374213 | 0.004679260945802109 | 42572493 | -0.006925034904580288 | 42277677 | 0.04549715515424416 | 40437869 | 0.05873012714594621 | 38194690 | 0.031501297981876106 | 37028252 | 0.19574335313889535 | 30966722 Obligations à vue Banques locales | 650000 | 0 | 650000 | 0 | 0 | 0 | 0 | -1 | 650000 | 0 | 650000 | 1.1666666666666667 | 300000 | 0 | 300000 Banques à l'étranger | 0 | - | 0 | - | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3817913 | -0.0744008572222573 | 3533857 | 0.19945289240622924 | 4238695 | -0.24119121569256574 | 3216359 | -0.05996689208186494 | 3421538 | 0.3688676191889784 | 2499539 | 0.45143811784599375 | 1722112 | 0.2799628968686057 | 1345439 4467913 | -0.06357688701637655 | 4183857 | 0.013107044528529536 | 4238695 | -0.24119121569256574 | 3216359 | -0.21003831967182918 | 4071538 | 0.29274093764198506 | 3149539 | 0.5575492356506464 | 2022112 | 0.22891945553739762 | 1645439 Obligations à terme Banques locales | 351217 | -0.047745410956758924 | 334448 | -0.05013634406544515 | 317680 | -0.045303450012591284 | 303288 | -0.17581423155835157 | 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 Autres | -43916 | 2.730940887148192 | 76016 | 0.4811881709113871 | 112594 | -1.558839725029753 | -62922 | -1.3010377146356515 | 209017 | -0.24792656906099214 | 277921 | 2.4908120329083716 | 79615 | -0.6055206790108164 | 201823 307301 | 0.33570668497661904 | 410464 | 0.04826245419817572 | 430274 | -0.441365269572412 | 240366 | -0.5834225877899903 | 577002 | -0.19071669712572178 | 712979 | 0.22535932615282553 | 581853 | -0.2453532755662253 | 771027 Autres passifs | 1732347 | 0.1028546821162273 | 1910527 | -0.01639076547989115 | 1879212 | -0.0855459628823145 | 1718453 | -0.039776737096140616 | 1789639 | 0.040349279078541286 | 1720229 | 0.176318258405453 | 1462384 | -0.015699575085026746 | 1485709 47529091 | 0.028403025843688028 | 48879061 | 0.004943077773118432 | 49120674 | -0.033953503976757324 | 47452855 | 0.012304940894334778 | 46876048 | 0.07078100529274932 | 43777437 | 0.06528439100795747 | 41094601 | 0.1785460549555095 | 34868897 AVOIR DES ACTIONNAIRES Capital versé | 2025000 | 0 | 2025000 | 0 | 2025000 | 0 | 2025000 | 0 | 2025000 | 0 | 2025000 | 0 | 2025000 | 1.5 | 810000 Réserves | 706455 | 0.18425094308908566 | 836620 | 0 | 836620 | -0.04224857163347757 | 801274 | 0.13421803228797305 | 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 | 0 Surplus d'apport | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 BNR | 2769457 | -0.169537566389368 | 2299930 | 0.1060906201493089 | 2543931 | 0.13385347322706473 | 2884445 | 0.08403019633177781 | 2660853 | 0.0299670787149667 | 2583435 | 0.16743420562090672 | 2212917 | -0.15299030897301294 | 2612623 5502296 | -0.06167643471016463 | 5162934 | 0.04726014316665679 | 5406935 | 0.056440108860195286 | 5712103 | 0.05903396041153258 | 5393692 | 0.04438583450012131 | 5164463 | 0.10312056449761144 | 4681685 | 0.16174216472289643 | 4029883 53031387 | 0.019056789896896343 | 54041995 | 0.008985863678792762 | 54527609 | -0.024990110972956836 | 53164958 | 0.017126888329653065 | 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 | 0 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 45416 | -0.03718953672714462 | 43727 | 0.0021039632263818693 | 43819 | 0.08813528378100824 | 47681 | -0.6512175674983725 | 136707 | -0.5013768879778531 | 274169 | 323187 | 240645 Portefeuille brut | 11882913 | 0.026597266175389822 | 12198966 | 0.03756154415054522 | 12657178 | -0.01345813419073351 | 12486836 | 0.046987437914221365 | 11926443 | -0.09696656091285522 | 13207089 | -0.11002142012453955 | 14839783 | 0.22209999213529272 | 12142855 Provisions pour créances douteuses | 367036 | 0.13034416242548416 | 414877 | -0.01652779016431376 | 408020 | -0.018739277486397726 | 400374 | 0.12096514535136028 | 357169 | -0.19193630855689742 | 442006 | 0.3414201865823384 | 329506 | 0.4908154770522658 | 221024 Portefeuille de crédit improductif | 300075 | -0.2626976589186037 | 221246 | -0.001667826762969726 | 220877 | -0.5430035721238518 | 100940 | -0.36076298074182905 | 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 | 1935732 | 0.03550003448711642 | 2187090 | 0.041137811112349605 | 2006934 | 0.041006458678555596 | 2006934 | 0.041006458678555596 | 1251444 | 0.027338259814262782 | 1183107 | 0.030415015586607086 Avoirs à la BRH | 20891236 | 0.3939409693357634 | 20834323 | 0.3855209823397526 | 21909934 | 0.40181358401392586 | 21075737 | 0.3964215865645939 | 17902174 | 0.3657842053536949 | 17902174 | 0.3657842053536949 | 17660925 | 0.38580947785934405 | 13906636 | 0.35750828175073873 Avoirs à l'étranger | 9142997 | 0.1724072764681791 | 9751515 | 0.1804432830431223 | 8356708 | 0.15325645399195845 | 7504644 | 0.14115771520030168 | 6896424 | 0.14091042644441676 | 6896424 | 0.14091042644441676 | 4956047 | 0.10826669074900484 | 5929326 | 0.15242961347373876 Avoirs dans les banques locales | 61322 | 0.0011563340781563945 | 50600 | 0.0009363088834895899 | 24720 | 0.00045334832121467125 | 47228 | 0.0008883294895107413 | 46744 | 0.0009550916494864319 | 46744 | 0.0009550916494864319 | 38959 | 0.0008510738507706807 | 60583 | 0.001557452444523967 Autres liquidités | 160573 | 0.0030278861082777262 | 293518 | 0.005431294681108645 | 415984 | 0.007628869257773617 | 445585 | 0.008381178444643932 | 449999 | 0.009194555176648229 | 449999 | 0.009194555176648229 | 220158 | 0.004809433425857222 | 266056 | 0.0068397003710656224 31527389 | 0.5945043262775684 | 32535607 | 0.6020430407870768 | 32643078 | 0.5986522900719891 | 31260284 | 0.5879866208113999 | 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 | 5804755 | 0.10645533714856267 | 6585064 | 0.12386098377055052 | 5084498 | 0.1038884473222331 | 5084498 | 0.1038884473222331 | 4676919 | 0.10216903573173236 | 3480953 | 0.08948745950387132 Portefeuille net | 11777384 | 0.22208327306242245 | 11784089 | 0.21805429277731142 | 12249158 | 0.22464139221655582 | 12086462 | 0.2273388798689543 | 12765083 | 0.2608211573314481 | 12765083 | 0.2608211573314481 | 14510277 | 0.3169824000138412 | 11921831 | 0.3064834167035573 Immobilisations | 1842097 | 0.03473597626251035 | 1829860 | 0.03385996390399725 | 1911967 | 0.035064200229282014 | 2188386 | 0.04116218807132322 | 1625295 | 0.03320866169887152 | 1625295 | 0.03320866169887152 | 1380496 | 0.030157448771619435 | 1152314 | 0.02962339692915819 Autres actifs | 1631385 | 0.030762631194239744 | 1911588 | 0.03537226928798613 | 1918651 | 0.035186780333610446 | 1044762 | 0.019651327477772106 | 1614749 | 0.03299318171137614 | 1614749 | 0.03299318171137614 | 1081061 | 0.023616179783567413 | 847974 | 0.02179950116687464 53031387 | 1 | 54041995 | 1 | 54527609 | 1 | 53164958 | 1 | 48941900 | 1 | 48941900 | 1 | 45776286 | 1 | 38898780 | 1 PASSIF Dépôts À vue | 18890692 | 0.356217196431238 | 19906420 | 0.3683509463334949 | 21156877 | 0.38800302063492276 | 19865581 | 0.3736593001728695 | 17653506 | 0.3607033237369207 | 17653506 | 0.3607033237369207 | 17638295 | 0.3853151170892283 | 14465410 | 0.3718731024469148 Épargne | 11781118 | 0.22215368419460724 | 12384099 | 0.22915695469791594 | 12687333 | 0.23267722962141985 | 12876896 | 0.2422064548607374 | 10655270 | 0.21771263477715413 | 10655270 | 0.21771263477715413 | 9428820 | 0.2059760811525863 | 7399691 | 0.19022938508611323 À terme | 10349720 | 0.19516215934537032 | 10083694 | 0.18658996582195014 | 8728283 | 0.16007089179354994 | 9535200 | 0.17935121852254637 | 9885914 | 0.20199285274989323 | 9885914 | 0.20199285274989323 | 9961137 | 0.21760474408081076 | 9101621 | 0.2339821711632087 41021530 | 0.7735330399712156 | 42374213 | 0.784097866853361 | 42572493 | 0.7807511420498926 | 42277677 | 0.7952169735561533 | 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 | 4238695 | 0.07773484071161088 | 3216359 | 0.06049772483597184 | 2499539 | 0.051071556273867585 | 2499539 | 0.051071556273867585 | 1722112 | 0.037620177399276124 | 1345439 | 0.034588205594108606 4467913 | 0.08425035158895618 | 4183857 | 0.07741862601482422 | 4238695 | 0.07773484071161088 | 3216359 | 0.06049772483597184 | 3149539 | 0.0643526099313676 | 3149539 | 0.0643526099313676 | 2022112 | 0.04417378902255198 | 1645439 | 0.04230052973383741 Obligations à terme Banques locales | 351217 | 0.006622813768759245 | 334448 | 0.006188668645559809 | 317680 | 0.005826039428943235 | 303288 | 0.005704659824992244 | 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 | 112594 | 0.0020648989028658857 | -62922 | -0.0011835239294273494 | 277921 | 0.0056785903285324025 | 277921 | 0.0056785903285324025 | 79615 | 0.0017392192979570251 | 201823 | 0.005188414649508288 307301 | 0.005794700410155216 | 410464 | 0.00759527844965753 | 430274 | 0.00789093833180912 | 240366 | 0.004521135895564895 | 712979 | 0.014567865162570312 | 712979 | 0.014567865162570312 | 581853 | 0.012710795279459763 | 771027 | 0.019821367148275603 Autres passifs | 1732347 | 0.03266644713629685 | 1910527 | 0.03535263640803786 | 1879212 | 0.034463495364339194 | 1718453 | 0.03232303879559164 | 1720229 | 0.03514839023413476 | 1720229 | 0.03514839023413476 | 1462384 | 0.031946322600308816 | 1485709 | 0.03819423128437447 47529091 | 0.8962445391066238 | 48879061 | 0.9044644077258805 | 49120674 | 0.9008404164576518 | 47452855 | 0.8925588730832816 | 43777437 | 0.8944776765920408 | 43777437 | 0.8944776765920408 | 41094601 | 0.8977268492249458 | 34868897 | 0.8964007868627242 AVOIR DES ACTIONNAIRES Capital versé | 2025000 | 0.03818493376384819 | 2025000 | 0.0374708594677158 | 2025000 | 0.0371371500995028 | 2025000 | 0.03808899839627448 | 2025000 | 0.041375590240673124 | 2025000 | 0.041375590240673124 | 2025000 | 0.04423687845711205 | 810000 | 0.02082327517726777 Réserves | 706455 | 0.013321450559081172 | 836620 | 0.015480923677965627 | 836620 | 0.015343053094442487 | 801274 | 0.015071468691840215 | 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 | 1384 | 2.5381637401339202e-05 | 1384 | 2.6032184582935248e-05 | 1384 | 2.827842809535388e-05 | 1384 | 2.827842809535388e-05 | 1384 | 3.02339949553793e-05 | 1384 | 3.5579522031282215e-05 BNR | 2769457 | 0.052222978818185536 | 2299930 | 0.04255819941510301 | 2543931 | 0.046653998711001614 | 2884445 | 0.05425462764402071 | 2583435 | 0.05278575208563623 | 2583435 | 0.05278575208563623 | 2212917 | 0.048341995241815816 | 2612623 | 0.06716465143636896 5502296 | 0.10375546089337621 | 5162934 | 0.09553559227411941 | 5406935 | 0.09915958354234825 | 5712103 | 0.10744112691671834 | 5164463 | 0.10552232340795924 | 5164463 | 0.10552232340795924 | 4681685 | 0.10227315077505414 | 4029883 | 0.10359921313727577 53031387 | 1 | 54041995 | 1 | 54527609 | 1 | 53164958 | 1 | 48941900 | 1 | 48941900 | 1 | 45776286 | 1 | 38898780 | 1 [capitalbkgdes&$] CAPITAL BANK (CAPITALBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Septembre 25 | Septembre 24 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 610403 | 1576687 | 2187090 | 0.2790936815586007 | 634348 | 1285004 | 1919352 | 0.3305011274638524 Avoirs à la BRH | 13708722 | 7367015 | 21075737 | 0.6504504207848105 | 13344226 | 6400709 | 19744935 | 0.6758303331968426 Avoirs à l'étranger | 7504644 | 0 | 7504644 | 1 | 8215885 | 0 | 8215885 | 1 Avoirs dans les banques locales | 1156 | 46072 | 47228 | 0.024477005166426695 | 792 | 23611 | 24403 | 0.03245502602139081 Autres liquidités | 136591 | 308994 | 445585 | 0.30654308381116957 | 189800 | 170045 | 359845 | 0.5274493184565577 21961516 | 9298768 | 31260284 | 0.7025373153999497 | 22385051 | 7879369 | 30264420 | 0.7396490995036415 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 3189261 | 3395803 | 6585064 | 0.48431738856296613 | 3219975 | 3789823 | 7009798 | 0.45935346496432566 Portefeuille net | 7185075 | 4901387 | 12086462 | 0.5944729731496281 | 6953165 | 4616109 | 11569274 | 0.6010027076893503 Immobilisations | 0 | 2188386 | 2188386 | 0 | 0 | 1824423 | 1824423 | 0 Autres actifs | 244187 | 800575 | 1044762 | 0.2337250014835915 | 251807 | 1350018 | 1601825 | 0.15720006867167138 32580039 | 20584919 | 53164958 | 0.6128103966526222 | 32809998 | 19459742 | 52269740 | 0.627705398955495 PASSIF Dépôts À vue | 14358707 | 5506874 | 19865581 | 0.7227932070046177 | 14367797 | 4907521 | 19275318 | 0.7453987010746075 Épargne | 8669388 | 4207508 | 12876896 | 0.6732513798356374 | 7766292 | 3173596 | 10939888 | 0.7099059880686164 À terme | 6763034 | 2772166 | 9535200 | 0.7092702827418408 | 7819052 | 2403611 | 10222663 | 0.7648742798231732 29791129 | 12486548 | 42277677 | 0.7046538767964947 | 29953141 | 10484728 | 40437869 | 0.7407200661340487 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 650000 | 650000 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1499914 | 1716445 | 3216359 | 0.46633911202076633 | 1433259 | 1988279 | 3421538 | 0.41889319949098913 1499914 | 1716445 | 3216359 | 0.46633911202076633 | 1433259 | 2638279 | 4071538 | 0.35201906503144514 Obligations à terme Banques locales | 0 | 303288 | 303288 | 0 | 0 | 367985 | 367985 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | -62922 | -62922 | 0 | 0 | 209017 | 209017 | 0 0 | 240366 | 240366 | 0 | 0 | 577002 | 577002 | 0 Autres passifs | 999404 | 719049 | 1718453 | 0.5815719138085242 | 1236730 | 552909 | 1789639 | 0.6910499827060094 32290447 | 15162408 | 47452855 | 0.6804742728335313 | 32623130 | 14252918 | 46876048 | 0.6959445472024434 AVOIR DES ACTIONNAIRES Capital versé | 0 | 2025000 | 2025000 | 0 | 0 | 2025000 | 2025000 | 0 Réserves | 0 | 801274 | 801274 | 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 | 2884445 | 2884445 | 0 | 0 | 2660853 | 2660853 | 0 0 | 5712103 | 5712103 | 0 | 0 | 5393692 | 5393692 | 0 32290447 | 20874511 | 53164958 | 0.6073633501224622 | 32623130 | 19646610 | 52269740 | 0.6241303285610375 *Converties au taux de 130.6911 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 | 0.02280618208580458 | 472516 | 0.06102650492258463 | 501352 | 536121 | -0.04639997314039181 | 511245 | -0.030374869191874737 | 495716 | -0.019363909980714765 | 486117 Intérêts sur Bons B.R.H. | 21194 | -0.39827309615929035 | 12753 | -0.22018348623853212 | 9945 | -0.46465560583207643 | 5324 | 9439 | -0.4555567327047357 | 5139 | -0.1852500486475968 | 4187 | 2.5032242655839503 | 14668 Autres | 98033 | -0.1652402762335132 | 81834 | 0.0031405039470146882 | 82091 | 0.15367092616730213 | 94706 | 89929 | 0.19430884364331863 | 107403 | -0.04888131616435295 | 102153 | 0.06554873571994949 | 108849 567110 | -0.018590749590026625 | 556567 | 0.014346880070144296 | 564552 | 0.06523756890419306 | 601382 | 635489 | -0.018414166098862452 | 623787 | -0.03483721206116831 | 602056 | 0.012586868995575163 | 609634 Dépenses d'intérêt | 138559 | -0.0470124640045035 | 132045 | -0.08151766443257981 | 121281 | -0.1537009094582004 | 102640 | 132550 | 0.01094681252357601 | 134001 | 0.009007395467198006 | 135208 | 0.02373380273356606 | 138417 428551 | -0.009401448135694468 | 424522 | 0.04416496671550591 | 443271 | 0.1251401512844287 | 498742 | 502939 | -0.02615227691628607 | 489786 | -0.046832698362141836 | 466848 | 0.009358506408938242 | 471217 AUTRES REVENUS Commissions | 312319 | -0.04858814225199235 | 297144 | 0.132225452979027 | 336434 | -0.0019260835706260365 | 335786 | 321562 | -0.17930912234654592 | 263903 | 0.0896920459411223 | 287573 | 0.07388384862278448 | 308820 Gains sur change | 117883 | 0.24419127439919242 | 146669 | -0.40030954053003703 | 87956 | 0.31892082404838784 | 116007 | 181114 | -0.1900460483452411 | 146694 | -0.10236274148908613 | 131678 | -0.023314448882880968 | 128608 Autres | 115037 | 0.15824473864930413 | 133241 | 0.5553620882461104 | 207238 | 0.4924675976413592 | 309296 | 113973 | -0.016653066954454124 | 112075 | 0.19962525094802588 | 134448 | 1.5733740925859812 | 345985 545239 | 0.058350558195580285 | 577054 | 0.09457347146020996 | 631628 | 0.20496399779617117 | 761089 | 616649 | -0.15239950117489853 | 522672 | 0.059362276915541676 | 553699 | 0.414871617972942 | 783413 PRODUIT NET BANCAIRE | 973790 | 0.028533872806251862 | 1001576 | 0.07320762478334146 | 1074899 | 0.17204593175730928 | 1259831 | 1119588 | -0.09568698485514314 | 1012458 | 0.00798946721740556 | 1020547 | 0.2293701318998537 | 1254630 Dotation à la provisions pour créances douteuses | 15144 | -0.5702588483888008 | 6508 | 0.2606023355869699 | 8204 | 1.5637493905411994 | 21033 | 61050 | -0.13737919737919738 | 52663 | -0.14349733209274063 | 45106 | -0.6427969671440606 | 16112 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 958646 | 0.03799316953286198 | 995068 | 0.07198201529945693 | 1066695 | 0.1613422768457713 | 1238798 | 1058538 | -0.0932824329405274 | 959795 | 0.016301397694299304 | 975441 | 0.2697005764572127 | 1238518 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 299121 | 0.04598807840305428 | 312877 | -0.007600430840234341 | 310499 | -0.006167491682742939 | 308584 | 273354 | 0.06911916416075857 | 292248 | -0.0011941912348416414 | 291899 | 0.06862647696634795 | 311931 Frais de locaux | 89170 | 0.006246495458113716 | 89727 | -0.029277697905870027 | 87100 | 0.21569460390355913 | 105887 | 32469 | 0.4691243955773199 | 47701 | -0.03249407769229157 | 46151 | 4.311845897163659 | 245147 Amortissement | 42024 | 0.06332095945174186 | 44685 | -0.3062101376300772 | 31002 | 0.011805689955486743 | 31368 | 33589 | -0.005894786983833993 | 33391 | 0.05869845167859603 | 35351 | 0.06992730050069305 | 37823 Autres dépenses d'exploitation | 384422 | -0.05912772942235356 | 361692 | -0.018571049401147937 | 354975 | 0.08899218254806676 | 386565 | 370367 | -0.03852395056795017 | 356099 | -0.026967219790002217 | 346496 | 0.2503261220908755 | 433233 814737 | -0.0070648565119787125 | 808981 | -0.03140370416610526 | 783576 | 0.06231431284265981 | 832404 | 709779 | 0.02769876257257541 | 729439 | -0.013081285755217366 | 719897 | 0.428168196283635 | 1028134 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 143909 | 0.293087993106755 | 186087 | 0.5214335230295507 | 283119 | 0.43541761591415623 | 406394 | 348759 | -0.33949804879587336 | 230356 | 0.10934379829481325 | 255544 | -0.17672103434242245 | 210384 Impôts sur le revenu | 8239 | 0.6055346522636242 | 13228 | 1.957287571817357 | 39119 | 1.587642833405762 | 101226 | 77897 | -0.304979652618201 | 54140 | 0.1231437015145918 | 60807 | -0.7829690660614732 | 13197 BÉNÉFICE NET | 135670 | 0.27411365814107763 | 172859 | 0.41155508246605615 | 244000 | 0.25068852459016394 | 305168 | 270862 | -0.34942516853600725 | 176216 | 0.10510396331774641 | 194737 | 0.0125810708802128 | 197187 0 | 0 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 (oct.24- sept. 25) | 2024 (oct.23-sept. 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 | 472516 | -0.04680099088994505 | 495716 | 501352 | 0.03134019176453405 | 486117 | 1883731 | -0.07168739980652464 | 2029199 | 2029199 Intérêts sur Bons B.R.H. | 21194 | 1.245364975103295 | 9439 | 12753 | 1.4816112084063047 | 5139 | 9945 | 1.3752089801767375 | 4187 | 5324 | -0.6370329970002727 | 14668 | 49216 | 0.4720784853288667 | 33433 | 33433 Autres | 98033 | 0.09011553558918703 | 89929 | 81834 | -0.23806597581073155 | 107403 | 82091 | -0.19639168697933493 | 102153 | 94706 | -0.1299322915231192 | 108849 | 356664 | -0.12653856891662218 | 408334 | 408334 567110 | -0.10760060362964584 | 635489 | 556567 | -0.10776114282599669 | 623787 | 564552 | -0.06229320860517958 | 602056 | 601382 | -0.013535990446727052 | 609634 | 2289611 | -0.0733943728889835 | 2470966 | 2470966 Dépenses d'intérêt | 138559 | 0.04533383628819313 | 132550 | 132045 | -0.014596905993238856 | 134001 | 121281 | -0.1030042601029525 | 135208 | 102640 | -0.2584725864597557 | 138417 | 494525 | -0.08451134445069755 | 540176 | 540176 428551 | -0.14790660497595134 | 502939 | 424522 | -0.13325003164647417 | 489786 | 443271 | -0.05050251902118034 | 466848 | 498742 | 0.05841257849356029 | 471217 | 1795086 | -0.07028418419403457 | 1930790 | 1930790 AUTRES REVENUS Commissions | 312319 | -0.0287440680179872 | 321562 | 297144 | 0.12595915923653767 | 263903 | 336434 | 0.16990816244918683 | 287573 | 335786 | 0.08731947412732335 | 308820 | 1281683 | 0.08446446188966863 | 1181858 | 1181858 Gains sur change | 117883 | -0.3491226520313173 | 181114 | 146669 | -0.00017042278484464258 | 146694 | 87956 | -0.33203724236394844 | 131678 | 116007 | -0.09797990793729784 | 128608 | 468515 | -0.20333314062037702 | 588094 | 588094 Autres | 115037 | 0.009335544383318857 | 113973 | 133241 | 0.1888556770020076 | 112075 | 207238 | 0.5413989051529216 | 134448 | 309296 | -0.1060421694582135 | 345985 | 764812 | 0.08256556085726297 | 706481 | 706481 545239 | -0.11580331760855851 | 616649 | 577054 | 0.10404613218232467 | 522672 | 631628 | 0.1407425333981098 | 553699 | 761089 | -0.028495825318191042 | 783413 | 2515010 | 0.015577647366191615 | 2476433 | 2476433 PRODUIT NET BANCAIRE | 973790 | -0.13022468979660376 | 1119588 | 1001576 | -0.01074810016810574 | 1012458 | 1074899 | 0.05325771375546643 | 1020547 | 1259831 | 0.004145445270717263 | 1254630 | 4310096 | -0.02203814057060421 | 4407223 | 4407223 Dotation à la provisions pour créances douteuses | 15144 | -0.7519410319410319 | 61050 | 6508 | -0.8764217761996088 | 52663 | 8204 | -0.8181173236376535 | 45106 | 21033 | 0.30542452830188677 | 16112 | 50889 | -0.7090910130279939 | 174931 | 174931 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 958646 | -0.09436789231940658 | 1058538 | 995068 | 0.036750556108335636 | 959795 | 1066695 | 0.0935515320762609 | 975441 | 1238798 | 0.0002260766496732385 | 1238518 | 4259207 | 0.006359438337430404 | 4232292 | 4232292 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 299121 | 0.09426238503917997 | 273354 | 312877 | 0.07058730940844762 | 292248 | 310499 | 0.06372067050589417 | 291899 | 308584 | -0.010729937069415992 | 311931 | 1231081 | 0.05271704554005705 | 1169432 | 1169432 Frais de locaux | 89170 | 1.746311866703625 | 32469 | 89727 | 0.8810297478040293 | 47701 | 87100 | 0.8872830491213625 | 46151 | 105887 | -0.5680673228715831 | 245147 | 371884 | 0.001119881120311844 | 371468 | 371468 Amortissement | 42024 | 0.2511238798416148 | 33589 | 44685 | 0.33823485370309364 | 33391 | 31002 | -0.12302339396339566 | 35351 | 31368 | -0.1706633529862782 | 37823 | 149079 | 0.06367995205274199 | 140154 | 140154 Autres dépenses d'exploitation | 384422 | 0.03794884533449255 | 370367 | 361692 | 0.015706306392323482 | 356099 | 354975 | 0.02447070096047285 | 346496 | 386565 | -0.10772032601394631 | 433233 | 1487654 | -0.012309827080822868 | 1506195 | 1506195 814737 | 0.14787419746146335 | 709779 | 808981 | 0.10904544451283794 | 729439 | 783576 | 0.08845570963623962 | 719897 | 832404 | -0.19037401739461976 | 1028134 | 3239698 | 0.01645588405549739 | 3187249 | 3187249 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 143909 | -0.5873683546517796 | 348759 | 186087 | -0.19217645730955565 | 230356 | 283119 | 0.107907053188492 | 255544 | 406394 | 0.9316773138641722 | 210384 | 1019509 | -0.024433444365447164 | 1045043 | 1045043 Impôts sur le revenu | 8239 | -0.8942321270395522 | 77897 | 13228 | -0.7556704839305505 | 54140 | 39119 | -0.35666946239742137 | 60807 | 101226 | 6.670379631734485 | 13197 | 161812 | -0.21466115967210408 | 206041 | 206041 BÉNÉFICE NET | 135670 | -0.4991176318568127 | 270862 | 172859 | -0.019050483497525764 | 176216 | 244000 | 0.25297195704976455 | 194737 | 305168 | 0.5476070937739304 | 197187 | 857697 | 0.022282426025206137 | 839002 | 839002 [CAPITALBKVARAN ] CAPITAL BANK (CAPITALBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1883731 | -0.07168739980652464 | 2029199 | 2029199 | -0.12107184933642884 | 2308720 | 0.1772402529359364 | 1961129 | 0.21573583134805138 | 1613121 Intérêts sur Bons B.R.H. | 49216 | 0.4720784853288667 | 33433 | 33433 | 0.14394717032779034 | 29226 | 2.3975819576842596 | 8602 | 0.3254237288135593 | 6490 Autres | 356664 | -0.12653856891662218 | 408334 | 408334 | 0.48427339180755125 | 275107 | 1.5391757810697309 | 108345 | 0.7058443807664452 | 63514 2289611 | -0.0733943728889835 | 2470966 | 2470966 | -0.05437585843073217 | 2613053 | 0.25743861148485425 | 2078076 | 0.23465339769773486 | 1683125 Dépenses d'intérêt | 494525 | -0.08451134445069755 | 540176 | 540176 | 0.1639541723857811 | 464087 | 0.11288110231311178 | 417014 | 0.15825317953432563 | 360037 1795086 | -0.07028418419403457 | 1930790 | 1930790 | -0.10152603624254641 | 2148966 | 0.293730155767816 | 1661062 | 0.2554433265209873 | 1323088 AUTRES REVENUS Commissions | 1281683 | 0.08446446188966863 | 1181858 | 1181858 | 0.020535785216168886 | 1158076 | 0.24118979204468846 | 933037 | 0.275442217787134 | 731540 Gains sur change | 468515 | -0.20333314062037702 | 588094 | 588094 | -0.3048443892296472 | 845989 | 0.013057353443062683 | 835085 | 0.3146431618751358 | 635218 Autres | 764812 | 0.08256556085726297 | 706481 | 706481 | -0.039565787774356466 | 735585 | 0.16952960293056135 | 628958 | 0.35928905947773015 | 462711 2515010 | 0.015577647366191615 | 2476433 | 2476433 | -0.09607687113317395 | 2739650 | 0.1429113755068667 | 2397080 | 0.31025997160924834 | 1829469 PRODUIT NET BANCAIRE | 4310096 | -0.02203814057060421 | 4407223 | 4407223 | -0.09847224654176151 | 4888616 | 0.2046438986117292 | 4058142 | 0.2872541241918861 | 3152557 Dotation à la provisions pour créances douteuses | 50889 | -0.7090910130279939 | 174931 | 174931 | -0.30374058683988475 | 251244 | 0.32872872661117164 | 189086 | 0.9997884784195108 | 94553 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 4259207 | 0.006359438337430404 | 4232292 | 4232292 | -0.08735119804923996 | 4637372 | 0.19857970523042312 | 3869056 | 0.26522267465967997 | 3058004 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1231081 | 0.05271704554005705 | 1169432 | 1169432 | 0.08447126749095603 | 1078343 | 0.2510389137289752 | 861958 | 0.20812256734350057 | 713469 Frais de locaux | 371884 | 0.001119881120311844 | 371468 | 371468 | 0.09071156341940372 | 340574 | 0.1562754630887066 | 294544 | 0.1443223670919517 | 257396 Amortissement | 149079 | 0.06367995205274199 | 140154 | 140154 | 0.22616204299099762 | 114303 | 0.18800798220633172 | 96214 | 0.006991396814100014 | 95546 Autres dépenses d'exploitation | 1487654 | -0.012309827080822868 | 1506195 | 1506195 | -0.018682363978708295 | 1534870 | 0.37864597414752493 | 1113317 | 0.3280999859235242 | 838278 3239698 | 0.01645588405549739 | 3187249 | 3187249 | 0.03883816967559622 | 3068090 | 0.296723249422134 | 2366033 | 0.2422148707741789 | 1904689 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1019509 | -0.024433444365447164 | 1045043 | 1045043 | -0.3340629663757056 | 1569282 | 0.0440838230685758 | 1503023 | 0.30321984887043 | 1153315 Impôts sur le revenu | 161812 | -0.21466115967210408 | 206041 | 206041 | -0.43959887615695725 | 367667 | 0.2062723920261421 | 304796 | 1.3806607826290713 | 128030 BÉNÉFICE NET | 857697 | 0.022282426025206137 | 839002 | 839002 | -0.3017713660365425 | 1201615 | 0.0028275109808074766 | 1198227 | 0.16867700200432076 | 1025285 [cbnainfin] CITIBANK N.A. (CBNA) INDIfATEURS FINANfIERS Var.sept 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 - sept 25) | (oct. 23- sept 24) Résultats Revenus nets d'intérêt | 5961 | -0.6925893455726884 | 19391 | 0 | 0 | 20380 | 0 | 0 | 20239 | 0 | 0 | 12377 | 5961 | -0.9176509594264164 | 72387 Autres revenus | 36203 | -0.5236635395971212 | 76003 | 0 | 0 | 71640 | 0 | 0 | 68602 | 0 | 0 | 58932 | 36203 | -0.8684374057424857 | 275177 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 | -0.5817017881274242 | 216819 Bénéfice (perte) net | -48531 | -3.080197171024432 | 23330 | 0 | 0 | 27925 | 0 | 0 | 25966 | 0 | 0 | 12913 | -48531 | -1.5384316684048196 | 90134 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 - sept 25) | (oct. 23- sept 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.sept 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 | 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 | 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 | 0 Banques à l'étranger | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 482910 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 0 Banque à l'étranger | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 98013 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 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 | 0 Surplus d'apport | 0 | 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 | 0 Portefeuille de crédit improductif | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [cbnacomp ] CITIBANK N.A. (CBNA) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 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) Septembre 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 | 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 130.6911 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- sept. 25) | 2024 (oct.23-sept. 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 | -0.9949941420811588 | 18778 | 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 | -0.8924551820214833 | 54554 | 54554 5961 | -0.7035065904003979 | 20105 | 0 | 0 | 20611 | 0 | 0 | 20239 | 0 | 0 | 12377 | 5961 | -0.91871215840288 | 73332 | 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 | -0.9176509594264164 | 72387 | 72387 AUTRES REVENUS Commissions | 2626 | -0.8760443710172292 | 21185 | 0 | 0 | 12543 | 0 | 0 | 20318 | 0 | 0 | 12319 | 2626 | -0.9604309500489716 | 66365 | 66365 Gains sur change | 5719 | -0.7398325903011554 | 21982 | 0 | 0 | 16360 | 0 | 0 | 13163 | 0 | 0 | 9848 | 5719 | -0.9067853242710218 | 61353 | 61353 Autres | 27858 | -0.1516019003532708 | 32836 | 0 | 0 | 42737 | 0 | 0 | 35121 | 0 | 0 | 36765 | 27858 | -0.8110796899477143 | 147459 | 147459 36203 | -0.5236635395971212 | 76003 | 0 | 0 | 71640 | 0 | 0 | 68602 | 0 | 0 | 58932 | 36203 | -0.8684374057424857 | 275177 | 275177 PRODUIT NET BANCAIRE | 42164 | -0.5580015514602595 | 95394 | 0 | 0 | 92020 | 0 | 0 | 88841 | 0 | 0 | 71309 | 42164 | -0.8786870907228597 | 347564 | 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 | -0.8786870907228597 | 347564 | 347564 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 16745 | -0.07209353873434556 | 18046 | 0 | 0 | 22999 | 0 | 0 | 20197 | 0 | 0 | 18553 | 16745 | -0.7901497587568144 | 79795 | 79795 Frais de locaux | 658 | 2.3917525773195876 | 194 | 0 | 0 | 189 | 0 | 0 | 159 | 0 | 0 | 820 | 658 | -0.5168869309838473 | 1362 | 1362 Amortissement | 8397 | 1.1076807228915662 | 3984 | 0 | 0 | 3130 | 0 | 0 | 2598 | 0 | 0 | 4390 | 8397 | -0.40455254573819316 | 14102 | 14102 Autres dépenses d'exploitation | 64895 | 0.6500127129417748 | 39330 | 0 | 0 | 25194 | 0 | 0 | 28222 | 0 | 0 | 28814 | 64895 | -0.46614840408028957 | 121560 | 121560 90695 | 0.473421711017968 | 61554 | 0 | 0 | 51512 | 0 | 0 | 51176 | 0 | 0 | 52577 | 90695 | -0.5817017881274242 | 216819 | 216819 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -48531 | -2.4341312056737587 | 33840 | 0 | 0 | 40508 | 0 | 0 | 37665 | 0 | 0 | 18732 | -48531 | -1.3711881907529924 | 130745 | 130745 Impôts sur le revenu | 0 | -1 | 10510 | 0 | 0 | 12583 | 0 | 0 | 11699 | 0 | 0 | 5819 | 0 | 0 | 40611 | 40611 BÉNÉFICE NET | -48531 | -3.080197171024432 | 23330 | 0 | 0 | 27925 | 0 | 0 | 25966 | 0 | 0 | 12913 | -48531 | -1.5384316684048196 | 90134 | 90134 [CBNAVARAN ] CITIBANK N.A. (CBNA) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 94 | -0.9949941420811588 | 18778 | 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 | -0.8924551820214833 | 54554 | 54554 | -0.13794956071044814 | 63284 | 8.087306145893164 | 6964 | 7.023041474654378 | 868 5961 | -0.91871215840288 | 73332 | 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 | -0.9176509594264164 | 72387 | 72387 | -0.13173803526448363 | 83370 | 1.6903094646487464 | 30989 | -0.4441734077090022 | 55753 AUTRES REVENUS Commissions | 2626 | -0.9604309500489716 | 66365 | 66365 | -0.13510660480633896 | 76732 | 0.1173044440561477 | 68676 | 0.1163380419057527 | 61519 Gains sur change | 5719 | -0.9067853242710218 | 61353 | 61353 | -0.3167589117676537 | 89797 | -0.45779997101729303 | 165616 | -0.20304507461106486 | 207811 Autres | 27858 | -0.8110796899477143 | 147459 | 147459 | 0.09593388380614042 | 134551 | 2.224477569018405 | 41728 | 0.38681910332679714 | 30089 36203 | -0.8684374057424857 | 275177 | 275177 | -0.08603361232894911 | 301080 | 0.09079052242591117 | 276020 | -0.07814801331912805 | 299419 PRODUIT NET BANCAIRE | 42164 | -0.8786870907228597 | 347564 | 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 | -0.8786870907228597 | 347564 | 347564 | -0.09594485628820393 | 384450 | 0.252243419574019 | 307009 | -0.13560472109287894 | 355172 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 16745 | -0.7901497587568144 | 79795 | 79795 | -0.15748073065146237 | 94710 | -0.3218142239280497 | 139652 | 0.18516884064735686 | 117833 Frais de locaux | 658 | -0.5168869309838473 | 1362 | 1362 | -0.7796829505014559 | 6182 | -0.507410358565737 | 12550 | -0.4064229295748002 | 21143 Amortissement | 8397 | -0.40455254573819316 | 14102 | 14102 | -0.2928492628623007 | 19942 | -0.09817754262198707 | 22113 | -0.056169704212727815 | 23429 Autres dépenses d'exploitation | 64895 | -0.46614840408028957 | 121560 | 121560 | -0.11722967771298427 | 137702.86215 | 0.048860118710845814 | 131288.10953289998 | 0.03365977430887121 | 127012.88450610574 90695 | -0.5817017881274242 | 216819 | 216819 | -0.16136136952801647 | 258536.86215 | -0.15401102251491658 | 305603.1095329 | 0.05592337548322032 | 289417.88450610574 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -48531 | -1.3711881907529924 | 130745 | 130745 | 0.03837456704284652 | 125913.13785 | 88.56112926046471 | 1405.89046710002 | -0.9786189737852901 | 65754.11549389426 Impôts sur le revenu | 0 | 0 | 40611 | 40611 | 0.12464691221268347 | 36110 | 9.16045197740113 | -4425 | -1.216688702805935 | 20421 BÉNÉFICE NET | -48531 | -1.5384316684048196 | 90134 | 90134 | 0.003684305002266698 | 89803.13785 | 14.401273331526562 | 5830.89046710002 | -0.8713767980961873 | 45333.11549389426 [scotiainfin] SCOTIA BANK (SCOTIA) INDICATEURS FINANCIERS Var.sept 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 - sept 25) | (oct. 23- sept 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 - sept 25) | (oct. 23- sept 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.sept 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) Septembre 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 130.6911 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- sept. 25) | 2024 (oct.23-sept. 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-Septembre) | 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.sept 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 | 0.017668630898137697 | 180249732.06583998 | 0.03369726285862878 | 186323654.66746 | 0.10321681073885296 | 168891239.55850002 | 0.013082441273120924 | 166710262.341787 | 0.06202066338369159 | 156974593.89408997 | 0.1485376622745154 | 136673440.5411 Bons B.R.H. | 2250000 | 0.3333333333333333 | 3000000 | 0.16666666666666666 | 3500000 | 0 | 0 | 0 | 2500000 | 0.25 | 2000000 | 0 | 0 | 0 | 4950000 Prêts nets | 28611827.434189998 | -0.056387071693719454 | 26998490.269369997 | -0.06053052712003121 | 25364257.421919998 | 0.010624930559058875 | 25633750.89570999 | -0.09904214403107348 | 28451664.77642 | -0.19078982727626773 | 35159796.225317 | -0.12030655994000224 | 39968237.37019 | 0.1329775017952737 | 35277167.734450005 Dépôts | 146795354.49559367 | 0.005753499271784135 | 147639941.46078536 | 0.01467304470426022 | 149806268.92197382 | 0.036341624403761645 | 155250472.0804651 | 0.10275224182380885 | 140784544.51718095 | 0.012398050291787057 | 139060465.8677532 | 0.07521841674094484 | 129332295.37609139 | 0.16153231073178817 | 111346274.38354212 Avoir des Actionnaires | 12798083.616810001 | -0.006379700050775634 | 12716435.682110008 | 0.026261150052432337 | 13050383.907690004 | 0.03819012874144743 | 13548779.749249998 | 0.13874064109590373 | 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 - sept 25) | (oct. 23- sept 24) Résultats Revenus nets d'intérêt | 1116696.38623 | -0.09262793480647019 | 1230692.93079 | 1089103.88862 | 0.06805651041451437 | 1019706.2402600001 | 1028191.7309599998 | -0.038023288518707135 | 1068832.2478999998 | 1496233.28589 | 0.3392531905101466 | 1117214.65104 | 4730225.2917 | 0.0662194957574817 | 4436446.069990001 Autres revenus | 897267.68917 | -0.08073392963900805 | 976069.6256500001 | 1012227.54895 | 0.20082146472894535 | 842945.91551 | 978483.5290999999 | 0.18432902571203652 | 826192.3062400002 | 1326288.22706 | 0.22494159576179149 | 1082735.8885099995 | 4214266.994279999 | 0.130453486646114 | 3727943.73591 Dot. à la prov. pr créances douteuses | 162139.35283 | -0.5400188681535305 | 352491.31236999994 | 170392.9889 | -0.38508740385580076 | 277101.15221 | 196758.03565 | -0.19556025188011586 | 244590.14625999998 | 401521.4742 | 1.148248128790337 | 186906.46989 | 930811.85158 | -0.12277690112537269 | 1061089.0807299998 Dépenses d'exploitation | 1416827.27834 | 0.004011918518324197 | 1411165.79615 | 1371512.2740299997 | -0.02740913371033935 | 1410163.6377299998 | 1448818.96865 | 0.009680681558558885 | 1434927.8887 | 1669377.5259500002 | 0.06222077132610851 | 1571591.86773 | 5906536.04697 | 0.013501869058456963 | 5827849.1903099995 Bénéfice (perte) net | 347873.64423000003 | 0.15474640087630817 | 301255.44791999995 | 446718.17464000033 | 2.5015472512205847 | 127577.36583000026 | 290653.25575999985 | 0.9350242409365427 | 150206.51918000006 | 627143.5127999997 | 0.8179537634955808 | 344972.2019299993 | 1712388.58743 | 0.8532112672050657 | 924011.534860001 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 - sept 25) | (oct. 23- sept 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 | 0.0724016826994399 | 0.06846322756429728 | 0.07271636966026188 | 0.07044793039782742 | 0.07271636966026188 | 0.07044793039782742 | 0.07044793039782742 | 0.0665618817170956 | 0.06164616052046577 | 0.07148661419540324 Dépôts en % de l'actif | 0.8360104878157932 | 0.8318409554575467 | 0.8335576168146381 | 0.8270628181029849 | 0.8311039756067652 | 0.8375268289928978 | 0.833230071391351 | 0.833581095651894 | 0.833230071391351 | 0.833581095651894 | 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 | 0.1662321713291186 | 0.11771849430108207 | 0.048277693551566886 | 0.04302645831229958 | 0.048277693551566886 | 0.04302645831229958 | 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 | 0.5884445177105606 | 0.7729552091207751 | 2.2109606580035774 | 1.764311866663446 | 2.2109606580035774 | 1.764311866663446 | 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 | 0.14738333271993798 | 0.0776001601182172 | -0.1238256672511685 | -0.08509915239870834 | -0.1238256672511685 | -0.08509915239870834 | -0.08509915239870834 | -0.034734093928777805 | -0.11253186734818964 | -0.11022049368770048 Rentabilité ROA (rendement de l'actif) | 0.008078775261767104 | 0.007368236984169129 | 0.01013223174586759 | 0.0031312602546621454 | 0.00650649495052729 | 0.003621005039842232 | 0.013686613060238923 | 0.008233782691649835 | 0.00964142334831665 | 0.005506599521324792 | 0.005506599521324792 | 0.008059505370615635 | 0.010610589707617024 | 0.014460481781901971 0 | 0 ROE (rendement avoir des action.) | 0.11268931876953858 | 0.10603009777673048 | 0.14006712629977996 | 0.044195852881699395 | 0.09024109622750869 | 0.05260179076656699 | 0.18862052082193834 | 0.11853430020673153 | 0.13458567470724586 | 0.08036774330939671 | 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 | 0.7951724037944936 | 0.8093266884227364 | 0.8463501343887745 | 0.8225628084975517 | 0.8199202763945953 | 0.8193643220552945 | 0.8193643220552945 | 0.8541600717358953 | 0.8647163500819798 | 0.8423585141703387 Rendement moyen des prêts | 0.0913683387912954 | 0.12025978304320542 | 0.08607083234465929 | 0.09393442409360393 | 0.07842336610472915 | 0.09708990680506772 | 0.13402766559196325 | 0.10192499441125309 | 0.09672748639105988 | 0.10268870381728357 | 0.10268870381728357 | 0.12657315104814376 | 0.11372415049100124 | 0.11293254586404694 Rendement moyen des prêts productifs | 0.09563035708041806 | 0.1276019390658602 | 0.0948587119820368 | 0.10344991392152253 | 0.09264798533752479 | 0.11114755187894551 | 0.15002820812647297 | 0.11099280632616496 | 0.10134472525397784 | 0.10874447708593747 | 0.10874447708593747 | 0.1336042442954118 | 0.11750112390798706 | 0.11560786424484201 Rémunération moyenne des dépôts | 0.006902343800572187 | 0.007031492371630715 | 0.006909443754940971 | 0.007272565702928248 | 0.00712332603247317 | 0.007293447429458357 | 0.007123456719753742 | 0.0068843188218471706 | 0.00701878477992364 | 0.006989950791366009 | 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 | 0.7219997163899255 | 0.7572080718242719 | 0.591448999871475 | 0.7143760004947519 | 0.6603545352963377 | 0.7138131971722493 | 0.7138131971722493 | 0.6065682084627226 | 0.5359345416190119 | 0.555873771274293 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 7411.091353817847 | 8046.536213090246 | 7859.117111061244 | 6596.377709676848 | 7622.69804391263 | 6646.293920701447 | 10788.424320879121 | 8010.7438854801985 | 7625.060903664954 | 7177.423906558364 | 7466.291546319158 | 10872.419978493872 | 7090.885999235667 | 5891.257228819139 [sogebkvar] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN ANALYSE DES VARIATIONS -0.7841183823503296 Var.sept 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 | 0.35376877153000036 | 4577111.6141 | 0.16288593686099073 | 5322658.72748 | 0.002364455230967329 | 5310103.22613 | 0.16195542583776648 | 4569971.5394 | -0.11146491787137973 | 5143265.169060001 | -0.04916342330314842 | 5409199.95624 Avoirs à la BRH | 71287852.18024 | 0.046320251355044764 | 74589923.41179 | -0.01601610965471468 | 73395283.01929 | 0.04865547232839799 | 76966365.18127 | 0.16393166071449866 | 66126189.17336 | -0.014817820840273378 | 67120772.75876 | 0.1601690088360362 | 57854305.92229 | 0.17796304026973528 | 49113854.972090006 Avoirs à l'étranger | 5127042.751189999 | 0.36058160032913883 | 6975760.03137 | -0.18234998417945594 | 5703730.300009999 | -0.03167150432931262 | 5523084.581120001 | -0.24468368309445596 | 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 | 0.011995308321654831 | 6997.31 | 0 | 6997.31 | 0.011996771935508237 | 6914.36 | -0.8757545487657772 | 55650.81 | 3.6235293091351384 | 12036.435 | 2.765639933862785 | 3196.385 Autres liquidités | 185512.42792000002 | 0.13621938337682424 | 210782.81645999997 | -0.20656313138439586 | 167242.85785 | -0.4793912741667491 | 87068.09113 | -0.7140286661022638 | 304464.40187999996 | -0.7321223229098978 | 1136579.96884 | 1.6127093511605382 | 435019.67348 | 2.1510066019616536 | 138057.36656 80162328.59797001 | 0.06239921478948475 | 85164394.95818 | -0.015429333556297293 | 83850365.10125 | 0.04836960202680797 | 87906173.891 | 0.11189258695194748 | 79059951.4041 | -0.01209996855318906 | 80028291.21112001 | 0.1431522739677196 | 70006676.30512 | 0.07848046417575176 | 64912326.76952 Bons B.R.H. | 2250000 | 0.3333333333333333 | 3000000 | 0.16666666666666666 | 3500000 | 0 | 0 | -1 | 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 | 0 | 6250000 | 0 | 0 Autres Placements | 52477469.944630004 | -0.014843350602875614 | 51698528.459489994 | 0.10669238560826959 | 57214367.79327 | 0.07611438989669747 | 61569204.49118 | 0.29187320807122896 | 47658860.10059999 | 0.2210411566515723 | 39031329.81307 | 0.3405770391772633 | 29115320.248230003 | 0.3220581945914348 | 22022722.121720005 Portefeuille net | 28611827.434189998 | -0.056387071693719454 | 26998490.269369997 | -0.06053052712003121 | 25364257.421919998 | 0.010624930559058875 | 25633750.89570999 | -0.09904214403107348 | 28451664.77642 | -0.19078982727626773 | 35159796.225317 | -0.12030655994000224 | 39968237.37019 | 0.1329775017952737 | 35277167.734450005 Immobilisations | 6308850.322959999 | -0.006193553625419468 | 6269776.120170001 | -0.0046761344931733635 | 6240457.803789999 | -0.0305300809284042 | 6049936.122009999 | -0.04526891927318621 | 6336796.02994 | 0.0027997319192920715 | 6319104.23212 | 0.5505054763234207 | 4075512.3594299997 | -0.0050411459993011404 | 4096161.708640001 Autres actifs | 5779850.179429999 | -0.3098316316542661 | 3989069.7676199996 | 0.02286602724534983 | 4080283.94561 | 0.265742614093465 | 5164589.267559999 | 0.05745780139436655 | 4883967.24744 | 0.17072642121224285 | 4171740.8601599997 | -0.44809829820846586 | 7558847.611119999 | 0.39589303363307704 | 5415062.206769999 175590326.47918 | 0.008713083040091983 | 177120259.57482997 | 0.017668630898137697 | 180249732.06583998 | 0.03369726285862878 | 186323654.66746 | 0.10321681073885296 | 168891239.55850002 | 0.013082441273120924 | 166710262.341787 | 0.06202066338369159 | 156974593.89408997 | 0.1485376622745154 | 136673440.5411 PASSIF Dépôts À vue | 73065587.84793796 | -0.01708202631775299 | 71817479.55339739 | 0.010391190667296388 | 72563748.6766814 | 0.03272879881721097 | 74938673.00854316 | 0.08577347639776345 | 69018699.23841283 | 0.03241622552923189 | 66851621.98321013 | 0.08647774222137691 | 61530595.04608671 | 0.14679247474448834 | 53654515.87899203 Épargne | 48666148.36821614 | 0.04000491147861075 | 50613033.325691566 | 0.022421189225808092 | 51747837.72317903 | 0.0309557843156405 | 53349732.62653852 | 0.13384291417559524 | 47052137.43415994 | 0.02072080721671632 | 46096970.985103056 | 0.069010465830524 | 43121159.669180505 | 0.19570708622336286 | 36063313.63760547 À terme | 25063618.27943958 | 0.005817607842218454 | 25209428.581696417 | 0.011315367164811787 | 25494682.522113413 | 0.057556469746083354 | 26962066.445383433 | 0.09097617463604435 | 24713707.84460818 | -0.05354518460687706 | 26111872.899440005 | 0.057994363182156485 | 24680540.660824187 | 0.14111489811938238 | 21628444.86694462 146795354.49559367 | 0.005753499271784135 | 147639941.46078536 | 0.01467304470426022 | 149806268.92197382 | 0.036341624403761645 | 155250472.0804651 | 0.10275224182380885 | 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 Banques à l'étranger | 0 | - | 0 | - | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 10799680.041359998 | -0.03489567526414809 | 10422817.913679998 | 0.02519990273122474 | 10685471.911290001 | 0.031174992478154768 | 11018591.417750001 | 0.034308497407488814 | 10653099.57848 | 0.04731050199171946 | 10171863.605129998 | 0.23526255220300799 | 8234576.19353 | 0.4562918260385519 | 5654482.18983 10799680.041359998 | -0.03489567526414809 | 10422817.913679998 | 0.02519990273122474 | 10685471.911290001 | 0.031174992478154768 | 11018591.417750001 | 0.034308497407488814 | 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 | -0.07702204356546669 | 1836356.36671 | 0.25116692952487174 | 2297588.35685 | 0.07128678068213672 | 2144699.62505 | -0.1408324184705552 | 2496252.96759 | -0.45758820846830206 | 4602136.24881 | -0.10249647121701491 | 5127708.24985 Banque à l'étranger | 0 | - | 0 | - | 0 | - | 0 | #DIV/0! | 0 | 0 | 0.6 | 0.21369042802815752 | 0.49436 | -0.9992275395675808 | 639.981 Autres | 221756.84806 | 1.8172954443822267 | 624754.5577999996 | 0.26372776259560465 | 789519.6794999999 | -0.25271789837633757 | 589993.9253700003 | 1.7268727146116865 | 216362.8401900002 | -0.736668413801826 | 821636.49 | -0.29662051672247025 | 1168126.89243 | 0.08539296864931611 | 1076224.85696 2294890.90116 | 0.13920619627212796 | 2614353.9343699994 | 0.004407250177002888 | 2625876.04621 | 0.09966435254540232 | 2887582.2822200004 | 0.22300122285264476 | 2361062.4652400003 | -0.28838435745065233 | 3317890.0575900003 | -0.42500199867471017 | 5770263.6356 | -0.06999828127793026 | 6204573.08781 Autres passifs | 2902317.4217700004 | 0.28404651779860673 | 3726710.578969999 | 0.09526382443364367 | 4081731.2812799998 | -0.11355528168788435 | 3618229.1358600003 | 0.13264521093439022 | 3194494.71108 | 0.0427618460306377 | 3063494.0501900003 | -0.22650322736233205 | 3960577.67603 | 0.0710663277129354 | 3697789.3651900003 162792242.85988367 | 0.009899618062936665 | 164403823.88780534 | 0.01700401004575315 | 167199348.16075382 | 0.03334658189086183 | 172774874.9162951 | 0.10052456741087408 | 156993201.27198094 | 0.008864820841144391 | 155613713.5806632 | 0.05645709316692521 | 147297712.8812514 | 0.1607099495374973 | 126903119.02637212 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 Réserves | 3272255.1226 | 0.07091428764136921 | 3504304.7636 | 0 | 3504304.7636 | -0.10543258086104434 | 3134836.8682500003 | -0.04199496958562714 | 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 | 0.05375743524415192 | 6546079.144090002 | 0.13257764194518337 | 7413942.880999999 | 0.31785080608684896 | 5625783.166620005 | -0.006703248636187028 | 5663748.682250003 | 0.2461001848213346 | 4545179.232969996 | -0.0877702705244162 | 4982494.086860002 12798083.616810001 | -0.006379700050775634 | 12716435.682110008 | 0.026261150052432337 | 13050383.907690004 | 0.03819012874144743 | 13548779.749249998 | 0.13874064109590373 | 11898038.289220005 | 0.07222872113814521 | 11096548.763020003 | 0.14670716197788877 | 9676881.012829997 | -0.009563707985374472 | 9770321.51472 175590326.47669366 | 0.00871308302638622 | 177120259.56991535 | 0.017668630941076346 | 180249732.06844383 | 0.03369726283307262 | 186323654.6655451 | 0.10321681070987221 | 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 | 0.08571047487019276 | 2712.1571306 | 0.0007734309787339124 | 2714.254796944 | 0.042405199773143054 | 2603.8385049639996 | 14643.749763997997 | 68846.26846022 | 52302.66995 Crédit documentaire | 1637415.693598201 | 0.001521507113026535 | 1639907.033222992 | 0.06811557416024117 | 1751610.2423603937 | -0.2529391930598344 | 1308559.3611024148 | -0.20923695569020104 | 1654805.912489959 | 2652074.614870218 | 2379243.015726165 | 1998847.9257 Autres | 8279934.04486149 | 0.0711963804947429 | 8869435.379590824 | -0.04906707561632545 | 8434238.12314633 | 0.04150341010878419 | 8784287.766926413 | -0.11460629286454742 | 9921335.216337316 | 10656889.848709445 | 10341156.048350725 | 9109167.89706 Portefeuille brut | 31067325.04722 | -0.04687463457914642 | 29611055.53828 | -0.05054518195121856 | 28114359.34833 | 0.020718816070215484 | 28696855.58859999 | -0.06794848439693084 | 30788915.750040002 | -0.19092003414663733 | 38054230.792337 | -0.11095362048337364 | 42803425.86067 | 0.15128625785624233 | 37178786.39529 Provisions pour créances douteuses | 2455497.61303 | 0.06396571311921735 | 2612565.26891 | 0.05264429529731214 | 2750101.92641 | 0.11381496935591637 | 3063104.6928900005 | 0.3105587407867361 | 2337250.9736200003 | -0.19250170646409007 | 2894434.56702 | 0.02089669760544541 | 2835188.49048 | 0.4909343018476771 | 1901618.66084 Portefeuille de crédit improductif | 1432048 | 1.92539426052758 | 4189305 | 0.11558146279633495 | 4673511 | -0.7035594866471909 | 1385418 | 0.04580528376177025 | 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 | 4577111.6141 | 0.02539316736641869 | 5322658.72748 | 0.028566736397370385 | 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 | 73395283.01929 | 0.4071866414341234 | 76966365.18127 | 0.41307887245253566 | 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 | 5703730.300009999 | 0.031643488368274485 | 5523084.581120001 | 0.02964242297081008 | 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 | 6997.31 | 3.882008544370034e-05 | 6997.31 | 3.755459827410753e-05 | 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 | 167242.85785 | 0.000927839702912352 | 87068.09113 | 0.0004672948868751756 | 304464.40187999996 | 0.0018027246568614384 | 1136579.96884 | 0.006817696480554988 | 435019.67348 | 0.002771274399814697 | 138057.36656 | 0.0010101257860592441 80162328.59797001 | 0.45653043766892804 | 85164394.95818 | 0.48082808348753375 | 83850365.10125 | 0.4651899569571726 | 87906173.891 | 0.4717928813058654 | 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 | 3500000 | 0.01941750459147175 | 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 | 57214367.79327 | 0.31741721409256385 | 61569204.49118 | 0.33044223290416486 | 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 | 25364257.421919998 | 0.1407173099855437 | 25633750.89570999 | 0.13757647112203586 | 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 | 6240457.803789999 | 0.03462117658799372 | 6049936.122009999 | 0.03247003786399309 | 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 | 4080283.94561 | 0.022636837785254466 | 5164589.267559999 | 0.0277183768039408 | 4883967.24744 | 0.02781455758622955 | 4171740.8601599997 | 0.0250238995581877 | 7558847.611119999 | 0.04304820067645504 | 5415062.206769999 | 0.03962044260634237 175590326.47918 | 1 | 177120259.57482997 | 1 | 180249732.06583998 | 1 | 186323654.66746 | 1 | 168891239.55850002 | 1 | 166710262.341787 | 1 | 156974593.89408997 | 1 | 136673440.5411 | 1 PASSIF Dépôts À vue | 73065587.84793796 | 0.41611397001759914 | 71817479.55339739 | 0.4054729804811282 | 72563748.6766814 | 0.4025734066011037 | 74938673.00854316 | 0.40219623827307116 | 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 | 51747837.72317903 | 0.2870896790253039 | 53349732.62653852 | 0.28632828570131974 | 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 | 25494682.522113413 | 0.14144088998035761 | 26962066.445383433 | 0.14470554741696012 | 24713707.84460818 | 0.14632912819642088 | 26111872.899440005 | 0.15663026698323954 | 24680540.660824187 | 0.1572263386613762 | 21628444.86694462 | 0.15824907005571856 146795354.49559367 | 0.8360104878157932 | 147639941.46078536 | 0.8335576168146381 | 149806268.92197382 | 0.8311039756067652 | 155250472.0804651 | 0.833230071391351 | 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 | 10685471.911290001 | 0.059281485685575994 | 11018591.417750001 | 0.05913683604701381 | 10653099.57848 | 0.06307668536466636 | 10171863.605129998 | 0.061015221632101976 | 8234576.19353 | 0.052458018773954146 | 5654482.18983 | 0.04137220931472492 10799680.041359998 | 0.061504982978891676 | 10422817.913679998 | 0.058845995024507936 | 10685471.911290001 | 0.059281485685575994 | 11018591.417750001 | 0.05913683604701381 | 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 | 1836356.36671 | 0.010187845194905657 | 2297588.35685 | 0.012331168369097348 | 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 | 789519.6794999999 | 0.004380143429071014 | 589993.9253700003 | 0.003166500391069445 | 216362.8401900002 | 0.001281077933678479 | 821636.49 | 0.004928529764505394 | 1168126.89243 | 0.00744150287923745 | 1076224.85696 | 0.007874425731138019 2294890.90116 | 0.01306957477200265 | 2614353.9343699994 | 0.014760332559615995 | 2625876.04621 | 0.014567988623976671 | 2887582.2822200004 | 0.015497668760166793 | 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 | 4081731.2812799998 | 0.02264486739868807 | 3618229.1358600003 | 0.01941905413092939 | 3194494.71108 | 0.018914508055188385 | 3063494.0501900003 | 0.01837615757516636 | 3960577.67603 | 0.02523069229089507 | 3697789.3651900003 | 0.027055654343303176 162792242.85988367 | 0.9271139596587411 | 164403823.88780534 | 0.9282045107795691 | 167199348.16075382 | 0.9275983173150059 | 172774874.9162951 | 0.9272836303294609 | 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 | 3000000 | 0.016643575364118642 | 3000000 | 0.01610101522189564 | 3000000 | 0.017762910662757432 | 3000000 | 0.01799529289834265 | 3000000 | 0.019111372901681696 | 3000000 | 0.021950131555354017 Réserves | 3272255.1226 | 0.018635736878067688 | 3504304.7636 | 0.019784889498310032 | 3504304.7636 | 0.01944138681060552 | 3134836.8682500003 | 0.01682468537795097 | 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 | 6546079.144090002 | 0.03631672052471573 | 7413942.880999999 | 0.03979066906041527 | 5625783.166620005 | 0.03331009459890526 | 5663748.682250003 | 0.03397360547989701 | 4545179.232969996 | 0.028954871742089723 | 4982494.086860002 | 0.036455466893450174 12798083.616810001 | 0.07288604032709904 | 12716435.682110008 | 0.07179548919268354 | 13050383.907690004 | 0.0724016826994399 | 13548779.749249998 | 0.07271636966026188 | 11898038.289220005 | 0.07044793039782742 | 11096548.763020003 | 0.0665618817170956 | 9676881.012829997 | 0.06164616052046577 | 9770321.51472 | 0.07148661419540324 175590326.47669366 | 0.9999999999858401 | 177120259.56991535 | 0.9999999999722526 | 180249732.06844383 | 1.0000000000144458 | 186323654.6655451 | 0.9999999999897228 | 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) Septembre 25 | Septembre 24 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 884050.0393299999 | 4438608.68815 | 5322658.72748 | 0.1660918132447224 | 1692358.63017 | 3617744.59596 | 5310103.22613 | 0.31870541081804726 Avoirs à la BRH | 49728571.21436 | 27237793.96691 | 76966365.18127 | 0.6461078303131508 | 44325819.45511 | 21800369.71825 | 66126189.17336 | 0.6703216986979702 Avoirs à l'étranger | 5523084.581120001 | 0 | 5523084.581120001 | 1 | 7312280.24273 | 0 | 7312280.24273 | 1 Avoirs dans les banques locales | 0 | 6997.31 | 6997.31 | 0 | 0 | 6914.36 | 6914.36 | 0 Autres liquidités | 79783.71855 | 7284.37258 | 87068.09113 | 0.9163370588988357 | 198628.05334999997 | 105836.34853 | 304464.40187999996 | 0.6523851462552467 56215489.55335999 | 31690684.33764 | 87906173.89099999 | 0.6394942137177404 | 53529086.38136 | 25530865.022739995 | 79059951.4041 | 0.67706955836282 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 2500000 | 2500000 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 39884844.02835 | 21684360.46283 | 61569204.49118 | 0.6478050895405615 | 35178436.96131999 | 12480423.139279999 | 47658860.10059999 | 0.7381300536157205 Portefeuille net | 15985776.72144999 | 9647974.17426 | 25633750.89570999 | 0.623622223157569 | 17060655.10265 | 11391009.67377 | 28451664.77642 | 0.5996364443598192 Immobilisations | 0 | 6049936.122009999 | 6049936.122009999 | 0 | 0 | 6336796.02994 | 6336796.02994 | 0 Autres actifs | 1444691.2287399997 | 3719898.03882 | 5164589.26756 | 0.2797301302960228 | 842636.27491 | 4041330.9725300004 | 4883967.24744 | 0.17253110682748327 | #REF! 113530801.53189999 | 72792853.13555999 | 186323654.66745996 | 0.609320387873045 | 106610814.72024 | 62280424.838259995 | 168891239.5585 | 0.6312394591864695 | #REF! #REF! PASSIF | #REF! Dépôts | #REF! À vue | 46868228.234593175 | 28070444.773949996 | 74938673.00854316 | 0.625421112397468 | 45698625.95817284 | 23320073.28023999 | 69018699.23841283 | 0.6621194902603867 Épargne | 36867108.72396852 | 16482623.902570002 | 53349732.62653852 | 0.6910458011485738 | 32345289.52807995 | 14706847.906079995 | 47052137.43415994 | 0.6874350729197098 À terme | 21369828.484033428 | 5592237.961350005 | 26962066.445383433 | 0.7925886736953898 | 20257871.712858174 | 4455836.131750004 | 24713707.84460818 | 0.8197018367390735 105105165.44259512 | 50145306.63787 | 155250472.08046514 | 0.6770038379536774 | 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 | 6150610.330190001 | 4867981.08756 | 11018591.417750001 | 0.5582029587086692 | 5893014.908479999 | 4760084.67 | 10653099.578479998 | 0.5531737373772699 6150610.330190001 | 4867981.08756 | 11018591.417750001 | 0.5582029587086692 | 5893014.908479999 | 4760084.67 | 10653099.578479998 | 0.5531737373772699 Obligations à terme Banques locales | 0 | 2297588.35685 | 2297588.35685 | 0 | 0 | 2144699.62505 | 2144699.62505 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - Autres | 431408.56740000006 | 158585.35797000024 | 589993.9253700003 | 0.7312084902051368 | 627205.6071200001 | -410842.76692999987 | 216362.8401900002 | 2.898860111880654 431408.56740000006 | 2456173.7148200003 | 2887582.2822200004 | 0.14940130712684976 | 627205.6071200001 | 1733856.85812 | 2361062.46524 | 0.2656454949218149 Autres passifs | 1772758.39065 | 1845470.74521 | 3618229.13586 | 0.4899519417054944 | 1769409.6312100003 | 1425085.0798699998 | 3194494.71108 | 0.5538934295533066 113459942.73083512 | 59314932.185459994 | 172774874.9162951 | 0.6566923737366529 | 106591417.34592097 | 50401783.92605999 | 156993201.27198094 | 0.6789556266277925 AVOIR DES ACTIONNAIRES Capital versé | 0 | 3000000 | 3000000 | 0 | 0 | 3000000 | 3000000 | 0 Réserves | 0 | 3134836.8682500003 | 3134836.8682500003 | 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 | 7413942.880999999 | 7413942.880999999 | 0 | 0 | 5625783.166620005 | 5625783.166620005 | 0 0 | 13548779.749249998 | 13548779.749249998 | 0 | 0 | 11898038.289220005 | 11898038.289220005 | 0 113459942.73083512 | 72863711.93471 | 186323654.6655451 | 0.6089400883344529 | 106591417.34592097 | 62299822.21528 | 168891239.56120098 | 0.6311246079006693 *Converties au taux de 130.6911 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 | -0.13319270470445144 | 565877.6681499998 | 0.681961258149007 | 951784.31468 | 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 | 0.047691811254869876 | 419406.68410000013 | 0.16464360354241594 | 488459.31191999983 | 167712.97251999998 | -0.18254848624499062 | 205165.65166000003 | -0.1371121687976657 | 237766.30547000002 | -0.09892028789180925 | 263868.2263899999 Autres | 287648.93026000005 | 0.00906727905312375 | 290257.12338 | 0.06029497859071622 | 307758.17042 | 0.06454353524681997 | 327621.9707400001 | 217371.04896 | -0.12803405122942194 | 249288.46048000004 | -0.03252378238187446 | 257668.82528 | -0.08286349310145688 | 280949.26255999994 1364818.30287 | -0.015691758818712067 | 1343401.90323 | -0.03748645914444436 | 1293042.5226699999 | 0.367213812651373 | 1767865.5973399999 | 1470174.28305 | 0.16176378366816635 | 1265467.4760200002 | -0.041779845540581506 | 1320643.7686899998 | -0.027660041526304906 | 1358211.96813 Dépenses d'intérêt | 248121.91664 | 0.024891384258331647 | 254298.01460999998 | 0.041497677896479575 | 264850.79171 | 0.02560505745976959 | 271632.31145000004 | 239481.35226 | -0.025552782889375864 | 245761.23576 | -0.024027038203091895 | 251811.52079 | 0.044872714064121716 | 240997.31708999997 1116696.38623 | -0.024709041732599357 | 1089103.88862 | -0.055928693576865154 | 1028191.7309599998 | 0.45520844102976793 | 1496233.28589 | 1230692.93079 | 0.20690928641978631 | 1019706.2402600001 | -0.04596231797508038 | 1068832.2478999998 | -0.043306273413942026 | 1117214.65104 AUTRES REVENUS Commissions | 456038.47297 | 0.007278626446541587 | 459357.8066599999 | 0.040152293707837 | 477802.07623 | 0.2911140160953251 | 616896.95754 | 507542.17510999995 | 0.2358284663329013 | 410689.82381999993 | -0.13790095058389826 | 476383.57112000004 | -0.2125446032130807 | 604965.7835399997 Gains sur change | 243157.41275999998 | 0.1272129308290147 | 274090.17989 | -0.029474975912096794 | 266011.37844 | 0.04624703511611156 | 278313.6159999999 | 297868.8237400001 | -0.10756426624224366 | 333770.61504000006 | 0.2053852721138192 | 276899.52977 | 0.20581635876209786 | 229636.56758999988 Autres | 198071.80344000002 | 0.4074671788629824 | 278779.5624 | -0.15822353543517872 | 234670.07442999998 | 0.8369519614593497 | 431077.65352000005 | 170658.62679999997 | 0.7328303888551057 | 98485.47665000003 | 0.3507961879055098 | 72909.20535000002 | -0.7061694839003386 | 248133.53738 897267.68917 | 0.12812214366745037 | 1012227.54895 | -0.033336397418745674 | 978483.5290999999 | 0.35545278751897597 | 1326288.22706 | 976069.6256500001 | 0.15792675151579263 | 842945.91551 | 0.020278098868101824 | 826192.3062400002 | -0.2369401300838381 | 1082735.8885099995 PRODUIT NET BANCAIRE | 2013964.0754 | 0.043380794740664766 | 2101331.43757 | -0.04504581039317701 | 2006675.2600599998 | 0.40656615902346166 | 2822521.51295 | 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 | 0.1547308191505056 | 196758.03565 | 1.040686535996122 | 401521.4742 | 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 | -0.0626748223607841 | 1809917.2244099998 | 0.3376302551842955 | 2421000.03875 | 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 | 0.07627047456697648 | 639045.18802 | 0.027866645589142206 | 656853.2337900001 | 585122.31048 | -0.041725236623911255 | 610599.72864 | -0.003457786263084554 | 612718.37783 | 0.023038807379827806 | 598919.97587 Frais de locaux | 51615.41166 | -0.009415101311235043 | 51129.447329999995 | 0.07186818559339207 | 54804.02794 | 0.13629666432872042 | 62273.634139999995 | 61009.85541999999 | 0.07952855608968969 | 56515.27704 | 0.04062477127922204 | 54308.98686999998 | 0.023707618412825808 | 53051.26766000001 Amortissement | 93650.60009 | -0.047833611484549954 | 89170.95366999999 | -0.03728678110031912 | 85846.05584 | 0.08949282008155222 | 93528.66147 | 96454.70368 | 0.011386507391400891 | 95368.78628999999 | 0.009238531743303788 | 94495.78399 | -0.0074417478208627 | 95204.27016 Autres dépenses d'exploitation | 679956.93782 | -0.0625098095274555 | 637452.9591499999 | 0.0496832546549487 | 669123.69685 | 0.28036415476412985 | 856721.99655 | 668578.92657 | 0.032267610219485356 | 647679.8457599999 | -0.038201237267231 | 673404.74001 | -0.18317396700099073 | 824416.35404 1416827.27834 | -0.031983435809545345 | 1371512.2740299997 | 0.056366024631223414 | 1448818.96865 | 0.15223334458791304 | 1669377.5259500002 | 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 | -0.3545202707178077 | 361098.25575999985 | 1.0814902891681584 | 751622.5127999997 | 443105.44791999995 | 1.526438810589663 | 175387.36583000026 | -0.18616213329718628 | 215506.51918000006 | -0.5118236623629465 | 441452.2019299993 Impôts sur le revenu | 87123.8 | 0.2936533989564275 | 112708 | -0.3749778187883735 | 70445 | 0.7670381148413656 | 124479 | 141850 | 1.9669525203932232 | 47810 | -0.2678407350689127 | 65300 | -0.3231757877280265 | 96480 BÉNÉFICE NET (PERTE NETTE) | 347873.64423000003 | 0.2841391753859004 | 446718.17464000033 | -0.3493587853365705 | 290653.25575999985 | 1.1577033815091644 | 627143.5127999997 | 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- sept. 25) | 2024 (oct.23-sept. 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 | 565877.6681499998 | -0.31426109454861983 | 825208.6379399999 | 951784.31468 | 0.17013864618249375 | 813394.4791800001 | 2876954.5688099996 | -0.18608394462782643 | 3534706.7425700002 | 3534706.7425700002 Intérêts sur Bons B.R.H. | 370706.62691999995 | 1.2103634641368766 | 167712.97251999998 | 400314.93955999997 | 0.951179139008126 | 205165.65166000003 | 419406.68410000013 | 0.7639449932611181 | 237766.30547000002 | 488459.31191999983 | 0.851148653260177 | 263868.2263899999 | 1678887.5624999998 | 0.9197968045471094 | 874513.15604 | 874513.15604 Autres | 287648.93026000005 | 0.32330837816830155 | 217371.04896 | 290257.12338 | 0.164342396038371 | 249288.46048000004 | 307758.17042 | 0.1943942775598468 | 257668.82528 | 327621.9707400001 | 0.16612504248888227 | 280949.26255999994 | 1213286.1948000002 | 0.20691657516571868 | 1005277.59728 | 1005277.59728 1364818.30287 | -0.07166223854863665 | 1470174.28305 | 1343401.90323 | 0.061585484168356575 | 1265467.4760200002 | 1293042.5226699999 | -0.02089984193646615 | 1320643.7686899998 | 1767865.5973399999 | 0.301612442551228 | 1358211.96813 | 5769128.32611 | 0.0654965360108098 | 5414497.495890001 | 5414497.495890001 Dépenses d'intérêt | 248121.91664 | 0.03608032232346472 | 239481.35226 | 254298.01460999998 | 0.034736067401356284 | 245761.23576 | 264850.79171 | 0.051781867958591944 | 251811.52079 | 271632.31145000004 | 0.1271175742946528 | 240997.31708999997 | 1038903.0344100001 | 0.062217187050266506 | 978051.4258999999 | 978051.4258999999 1116696.38623 | -0.09262793480647019 | 1230692.93079 | 1089103.88862 | 0.06805651041451437 | 1019706.2402600001 | 1028191.7309599998 | -0.038023288518707135 | 1068832.2478999998 | 1496233.28589 | 0.3392531905101466 | 1117214.65104 | 4730225.2917 | 0.0662194957574817 | 4436446.069990001 | 4436446.069990001 AUTRES REVENUS Commissions | 456038.47297 | -0.10147669428424844 | 507542.17510999995 | 459357.8066599999 | 0.11850301618705436 | 410689.82381999993 | 477802.07623 | 0.002977653294518527 | 476383.57112000004 | 616896.95754 | 0.019722064163999707 | 604965.7835399997 | 2010095.3133999999 | 0.00525808054327154 | 1999581.3535899997 | 1999581.3535899997 Gains sur change | 243157.41275999998 | -0.18367619105971258 | 297868.8237400001 | 274090.17989 | -0.1788067387024102 | 333770.61504000006 | 266011.37844 | -0.039321667823141504 | 276899.52977 | 278313.6159999999 | 0.21197429016144123 | 229636.56758999988 | 1061572.58709 | -0.06730328197862222 | 1138175.53614 | 1138175.53614 Autres | 198071.80344000002 | 0.16063164900609675 | 170658.62679999997 | 278779.5624 | 1.8306667326263066 | 98485.47665000003 | 234670.07442999998 | 2.218661804136642 | 72909.20535000002 | 431077.65352000005 | 0.7372808934724262 | 248133.53738 | 1142599.0937899998 | 0.9359955261380405 | 590186.84618 | 590186.84618 897267.68917 | -0.08073392963900805 | 976069.6256500001 | 1012227.54895 | 0.20082146472894535 | 842945.91551 | 978483.5290999999 | 0.18432902571203652 | 826192.3062400002 | 1326288.22706 | 0.22494159576179149 | 1082735.8885099995 | 4214266.994279999 | 0.130453486646114 | 3727943.73591 | 3727943.73591 PRODUIT NET BANCAIRE | 2013964.0754 | -0.08736711635665367 | 2206762.55644 | 2101331.43757 | 0.12813948168509895 | 1862652.15577 | 2006675.2600599998 | 0.058917814904339824 | 1895024.5541400001 | 2822521.51295 | 0.2829931683497519 | 2199950.5395499994 | 8944492.28598 | 0.09554939176425135 | 8164389.8059 | 8164389.8059 Dotation à la provision pour créances douteuses | 162139.35283 | -0.5400188681535305 | 352491.31236999994 | 170392.9889 | -0.38508740385580076 | 277101.15221 | 196758.03565 | -0.19556025188011586 | 244590.14625999998 | 401521.4742 | 1.148248128790337 | 186906.46989 | 930811.85158 | -0.12277690112537269 | 1061089.0807299998 | 1061089.0807299998 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1851824.72257 | -0.001319397853913801 | 1854271.24407 | 1930938.44867 | 0.21783433288144607 | 1585551.00356 | 1809917.2244099998 | 0.09663081172359769 | 1650434.40788 | 2421000.03875 | 0.2026562534017965 | 2013044.0696599993 | 8013680.4344 | 0.12816291248998352 | 7103300.72517 | 7103300.72517 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 591604.32877 | 0.011078056970144532 | 585122.31048 | 593758.9138799999 | -0.02758077668575116 | 610599.72864 | 639045.18802 | 0.04296722791837724 | 612718.37783 | 656853.2337900001 | 0.09672954694130116 | 598919.97587 | 2481261.66446 | 0.030698050803034067 | 2407360.3928199997 | 2407360.3928199997 Frais de locaux | 51615.41166 | -0.15398239670176875 | 61009.85541999999 | 51129.447329999995 | -0.09529865183511459 | 56515.27704 | 54804.02794 | 0.009115269838949608 | 54308.98686999998 | 62273.634139999995 | 0.17383875799359136 | 53051.26766000001 | 219822.52106999996 | -0.022513094282222715 | 224885.38698999997 | 224885.38698999997 Amortissement | 93650.60009 | -0.029071714317872432 | 96454.70368 | 89170.95366999999 | -0.06498806224872637 | 95368.78628999999 | 85846.05584 | -0.09153559857141724 | 94495.78399 | 93528.66147 | -0.017600142169925476 | 95204.27016 | 362196.27106999996 | -0.05065813983925746 | 381523.54412000004 | 381523.54412000004 Autres dépenses d'exploitation | 679956.93782 | 0.01701820203692691 | 668578.92657 | 637452.9591499999 | -0.015790033728777866 | 647679.8457599999 | 669123.69685 | -0.0063573107013420015 | 673404.74001 | 856721.99655 | 0.039186076733786615 | 824416.35404 | 2843255.59037 | 0.010367766863536524 | 2814079.86638 | 2814079.86638 1416827.27834 | 0.004011918518324197 | 1411165.79615 | 1371512.2740299997 | -0.02740913371033935 | 1410163.6377299998 | 1448818.96865 | 0.009680681558558885 | 1434927.8887 | 1669377.5259500002 | 0.06222077132610851 | 1571591.86773 | 5906536.04697 | 0.013501869058456963 | 5827849.1903099995 | 5827849.1903099995 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 434997.44423 | -0.01829813586824547 | 443105.44791999995 | 559426.1746400003 | 2.1896606234581446 | 175387.36583000026 | 361098.25575999985 | 0.6755792684786277 | 215506.51918000006 | 751622.5127999997 | 0.7026135774472451 | 441452.2019299993 | 2107144.38743 | 0.6520771897940358 | 1275451.534860001 | 1275451.534860001 Impôts sur le revenu | 87123.8 | -0.3858033133591822 | 141850 | 112708 | 1.3574147667851915 | 47810 | 70445 | 0.07879019908116386 | 65300 | 124479 | 0.290205223880597 | 96480 | 394755.8 | 0.12325233325745501 | 351440 | 351440 BÉNÉFICE NET (PERTE NETTE) | 347873.64423000003 | 0.15474640087630817 | 301255.44791999995 | 446718.17464000033 | 2.5015472512205847 | 127577.36583000026 | 290653.25575999985 | 0.9350242409365427 | 150206.51918000006 | 627143.5127999997 | 0.8179537634955808 | 344972.2019299993 | 1712388.58743 | 0.8532112672050657 | 924011.534860001 | 924011.534860001 [SOGEBKVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 2876954.5688099996 | -0.18608394462782643 | 3534706.7425700002 | 3534706.7425700002 | -0.3092504015396053 | 5117204.19447 | 0.12516607497021137 | 4547954.571599999 | 0.1963299682614181 | 3801588.7692 Intérêts sur Bons B.R.H. | 1678887.5624999998 | 0.9197968045471094 | 874513.15604 | 874513.15604 | 0.8533920481087641 | 471844.66823 | -0.23423723973820934 | 616176.0439599999 | 0.16725912600111115 | 527882.8241600001 Autres | 1213286.1948000002 | 0.20691657516571868 | 1005277.59728 | 1005277.59728 | 0.35349454397318375 | 742727.48402 | 0.8064466403339867 | 411153.84614000004 | 0.6260388535978539 | 252856.10194999998 5769128.32611 | 0.0654965360108098 | 5414497.495890001 | 5414497.495890001 | -0.1448691173852296 | 6331776.346720001 | 0.13568668831461464 | 5575284.461699999 | 0.21669265762164655 | 4582327.69531 Dépenses d'intérêt | 1038903.0344100001 | 0.062217187050266506 | 978051.4258999999 | 978051.4258999999 | 0.0591553942130675 | 923425.80819 | 0.22430511931538233 | 754244.83131 | 0.0440436856512934 | 722426.5054 4730225.2917 | 0.0662194957574817 | 4436446.069990001 | 4436446.069990001 | -0.17970441479633922 | 5408350.5385300005 | 0.12182246012619714 | 4821039.630389999 | 0.24900597015085998 | 3859901.18991 AUTRES REVENUS Commissions | 2010095.3133999999 | 0.00525808054327154 | 1999581.3535899997 | 1999581.3535899997 | -0.07813524019621836 | 2169061.49446 | 0.12239130107168697 | 1932535.9100600001 | 0.15748388163565336 | 1669600.70954 Gains sur change | 1061572.58709 | -0.06730328197862222 | 1138175.53614 | 1138175.53614 | -0.10835378856167088 | 1276487.8284 | 0.050891536017939554 | 1214671.3382400002 | 0.5097726482112807 | 804539.23952 Autres | 1142599.0937899998 | 0.9359955261380405 | 590186.84618 | 590186.84618 | 0.28769579665590433 | 458327.85018999997 | 0.20210398086165654 | 381271.38541000005 | -0.596203500193514 | 944216.6675360462 4214266.994279999 | 0.130453486646114 | 3727943.73591 | 3727943.73591 | -0.045066335169184686 | 3903877.1730500003 | 0.10639104790193651 | 3528478.63371 | 0.03221490015971823 | 3418356.6165960464 PRODUIT NET BANCAIRE | 8944492.28598 | 0.09554939176425135 | 8164389.8059 | 8164389.8059 | -0.12326136572590832 | 9312227.71158 | 0.11530119667134757 | 8349518.264099998 | 0.1471863852687864 | 7278257.806506047 Dotation à la provision pour créances douteuses | 930811.85158 | -0.12277690112537269 | 1061089.0807299998 | 1061089.0807299998 | -0.4206714057659537 | 1831584.1670700002 | 0.008674006458312011 | 1815833.61457 | 0.5866166393687933 | 1144469.03525 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 8013680.4344 | 0.12816291248998352 | 7103300.72517 | 7103300.72517 | -0.05044256113726065 | 7480643.54451 | 0.1449348944394067 | 6533684.649529998 | 0.06519557376151089 | 6133788.771256047 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 2481261.66446 | 0.030698050803034067 | 2407360.3928199997 | 2407360.3928199997 | 0.011631050893047267 | 2379682.18818 | 0.1564445703129447 | 2057757.24083 | 0.15890020995434195 | 1775612.10461 Frais de locaux | 219822.52106999996 | -0.022513094282222715 | 224885.38698999997 | 224885.38698999997 | -0.10029161076409021 | 249953.64018 | 0.09985463617128768 | 227260.61422999998 | 0.002558125003360841 | 226680.73657 Amortissement | 362196.27106999996 | -0.05065813983925746 | 381523.54412000004 | 381523.54412000004 | 0.04594621803729966 | 364764.01706 | 0.05529706642941423 | 345650.5553400001 | 0.05320873125050442 | 328188.08378999995 Autres dépenses d'exploitation | 2843255.59037 | 0.010367766863536524 | 2814079.86638 | 2814079.86638 | 0.06027592989367728 | 2654101.43439 | 0.43921848898543975 | 1844126.8332099998 | 0.07496118836355312 | 1715528.7587799998 5906536.04697 | 0.013501869058456963 | 5827849.1903099995 | 5827849.1903099995 | 0.03175141539598484 | 5648501.27981 | 0.26229267984407784 | 4474795.24361 | 0.10597739337652429 | 4046009.68375 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 2107144.38743 | 0.6520771897940358 | 1275451.534860001 | 1275451.534860001 | -0.30384689036751916 | 1832142.2647000002 | -0.11013080186241361 | 2058889.405919998 | -0.01383751842277509 | 2087779.0875060475 Impôts sur le revenu | 394755.8 | 0.12325233325745501 | 351440 | 351440 | -0.33410683109177225 | 527772.34609 | 0.0534378165469062 | 501000 | 0.2715736040609137 | 394000 BÉNÉFICE NET (PERTE NETTE) | 1712388.58743 | 0.8532112672050657 | 924011.534860001 | 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.sept 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 | 0.0038329828001426804 | 12131784.06582706 | 0.012342930610318577 | 12281525.834730932 | 0.018209383703329182 | 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 | 0 Prêts nets | 4810309.517329908 | 0.009285417639036153 | 4854975.250171347 | 0.013851975750719201 | 4922226.249607062 | -0.04106851737915704 | 4720077.715330931 | -0.041015321194294456 | 4921953.2070201505 | -0.028367344637983256 | 5065652.31197 | 0.0017357076463365548 | 5056875.055269999 | 0.048856248464813914 | 4821323.286839 Dépôts | 7972246.800559405 | 0.013114828373387613 | 8076801.44909903 | -0.002505766376189755 | 8056562.871600717 | 0.013879663915296821 | 8168385.256570994 | -0.0021272483548556956 | 8185798.482926981 | -0.0291292839230332 | 8431399.10121467 | 0.05105830244887003 | 8021818.657985269 | 0.21756413592273668 | 6588415.69106 Avoir des Actionnaires | 1119428.53019 | 0.07150511435188653 | 1199473.3952500003 | 0.03260070322097493 | 1238577.0714300007 | 0.03161938027383545 | 1277740.1108499994 | 0.15350314970799128 | 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 - sept 25) | (oct. 23- sept 24) Résultats Revenus nets d'intérêt | 100112.11197999999 | -0.15856664991040487 | 118978.06519000005 | 123813.47106000001 | 0.0895631076536272 | 113635.88780702402 | 139684.92886030898 | 0.11411925016524811 | 125376.99967000002 | 172084.75858000002 | 0.18951073344116806 | 144668.52104997096 | 535695.2704803089 | 0.06572202154875462 | 502659.4737169949 Autres revenus | 19579.742880000005 | 0.11251482956854728 | 17599.53428 | 102032.08729 | 4.069420298075061 | 20126.973359999996 | 29905.426160000003 | 0.6842283900659822 | 17756.15845000001 | 34468.27318 | -0.3883891152634644 | 56356.53982 | 185985.52951000002 | 0.6629725506068734 | 111839.20591 Dot. à la prov. pr créances douteuses | 1203.0415399999983 | 1.6605009268105686 | -1821.4077999999997 | 24000 | 1.0168067226890756 | 11900 | 22000 | 0.047619047619047616 | 21000 | 30727.34243 | -0.2648426210388897 | 41796.958459999994 | 77930.38397 | 0.06936254016910645 | 72875.55066 Dépenses d'exploitation | 95035.78129 | -0.011373627285661131 | 96129.11805000002 | 113779.12333 | 0.19077593836676182 | 95550.40513 | 94023.67531999998 | -0.024283263906442042 | 96363.70048999999 | 123788.29083000001 | 0.13015831701704123 | 109531.81423 | 426626.87077000004 | 0.07307257775400687 | 397575.03790000005 Bénéfice (perte) net | 17120.713379999987 | -0.44515984167045236 | 30857.019130600005 | 64288.835060000005 | 2.3469660613297236 | 19208.092906224017 | 39103.676180309 | 1.0786886735517724 | 18811.704069900043 | 39163.039420000016 | 0.045184777525419995 | 37469.96728437095 | 159676.26404030895 | 0.5014677355411178 | 106346.78339109485 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 - sept 25) | (oct. 23- sept 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 | 0.1020935638739926 | 0.09115749127136527 | 0.1040375705791114 | 0.09183505970327455 | 0.1040375705791114 | 0.09183505970327455 | 0.09183505970327455 | 0.08676200663056292 | 0.08103751267768017 | 0.0853015512901374 Dépôts en % de l'actif | 0.6734887568974096 | 0.6824445569473788 | 0.6683072865574338 | 0.683086706894062 | 0.6640872297005789 | 0.6738490393202111 | 0.6650953119743163 | 0.6786499446877018 | 0.6650953119743163 | 0.6786499446877018 | 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 | 0.11045659894108742 | 0.10170900389715984 | 0.09071039623039517 | 0.09914801393711056 | 0.09071039623039517 | 0.09914801393711056 | 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 | 0.61378013553759 | 0.5449540279392477 | 0.8311959289499149 | 0.6279397687536507 | 0.8311959289499149 | 0.6279397687536507 | 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 | 0.18186698984821356 | 0.22291192432145512 | 0.0611775140288256 | 0.1747946332077859 | 0.0611775140288256 | 0.1747946332077859 | 0.1747946332077859 | -0.044023165949195725 | 0.16164521078016045 | -0.0015896654962255787 Rentabilité ROA (rendement de l'actif) | 0.005730992667649192 | 0.01025438295130314 | 0.021498856957634017 | 0.006608745901828573 | 0.012917630078524055 | 0.006480143603879565 | 0.012833340363767683 | 0.012593686847753775 | 0.013118642779800783 | 0.008728858383759027 | 0.008728858383759027 | 0.014498990890740644 | 0.014647318005265836 | 0.013230792433120487 ROE (rendement avoir des action.) | 0.06149867692924476 | 0.11350723026402189 | 0.22179061340958267 | 0.0711860155793014 | 0.1283112936823106 | 0.07093213970825911 | 0.12450907125949814 | 0.13763464338885856 | 0.1338754992864929 | 0.09777687034328576 | 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 | 0.7603636974682588 | 0.725518995481194 | 0.7911716309837854 | 0.7622789386445062 | 0.7485179520444547 | 0.7279026822540535 | 0.7279026822540535 | 0.7556552986673709 | 0.7168337269853914 | 0.7220485329128635 Rendement moyen des prêts | 0.0824219910279685 | 0.09375333962499925 | 0.10187239164375687 | 0.09448787915665326 | 0.11023609842826679 | 0.10273871175631309 | 0.13079935243479549 | 0.11691970086343184 | 0.1067417758283085 | 0.09968563802981496 | 0.09968563802981496 | 0.11334752155150182 | 0.09780828444250475 | 0.11328782114511048 Rendement moyen des prêts productifs | 0.09325819387372751 | 0.09892766550230428 | 0.1172566273319968 | 0.10362010814926795 | 0.1252051420389643 | 0.11507570830408798 | 0.1454538378001096 | 0.12997098794327588 | 0.11794512086591799 | 0.10719609520952549 | 0.10719609520952549 | 0.12010521392894835 | 0.10367512754125206 | 0.12208767337087792 Rémunération moyenne des dépôts | 0.022883650530296003 | 0.021849108930086233 | 0.022089951992483117 | 0.025391999362005393 | 0.02182960277080342 | 0.024084704706418568 | 0.02239586634665845 | 0.02242175439359788 | 0.022010185498284717 | 0.02261502254294954 | 0.02261502254294954 | 0.02216781397960733 | 0.022143966999330952 | 0.028342112403161347 Dépenses d'exploitation en % du produit net bancaire | 0.7940037473824809 | 0.7038424926418132 | 0.5037917245805335 | 0.7143268639468638 | 0.554416407163841 | 0.6732451219249319 | 0.599305126510238 | 0.5448664646884424 | 0.591157296654877 | 0.6469908741566881 | 0.6469908741566881 | 0.5800600943049423 | 0.561752816471301 | 0.5871313365281908 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 6469.829992432432 | 7333.025474899331 | 12045.096445333334 | 7535.9358403957185 | 9044.818934416478 | 8179.037606857145 | 10943.206980662253 | 11168.058937220609 | 9686.990603896764 | 8248.304424523421 | 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.sept 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 | 0.3369079016432703 | 90515.52871999999 | -0.1468065299723964 | 77227.25804 | -0.07281416378926081 | 83292.10286 | 1.045095303419072 | 40727.73661 | -0.5577484217499984 | 92091.78353 | 0.0432914988171993 | 88270.42455 Avoirs à la BRH | 1890511.9573300001 | 0.026143429465425357 | 1939936.4233400002 | -0.039109243497462254 | 1864066.9773900001 | 0.017610711867211803 | 1896894.5238299998 | -0.061679723281697504 | 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 | 0.29940477196257553 | 245716.92745000002 | -0.40854019331015373 | 145331.68641 | -0.1908820927273007 | 179617.43907000002 | -0.2743288562018673 | 247519.05956999998 | -0.07051049648727735 | 266295.70171 | 0.6774874694783214 | 158746.76059 Autres liquidités | 15397.03226 | 0.7314950641013985 | 26659.88536 | 0.47998595219765783 | 39456.25582 | -0.25191736502685724 | 29516.539819999998 | -0.44070189031296036 | 52774.25278 | 0.4993982125882092 | 35196.95591 | 0.29717943647048545 | 27133.451950000002 | -0.437785598237088 | 48261.75186 2130579.4707899997 | 0.04356635224011756 | 2223401.04649 | 0.0073556873222753545 | 2239755.6893800003 | -0.04053374290350904 | 2148970.0080999997 | -0.08056373647361006 | 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 | 0.021383558681341317 | 2677511.1971700005 | 0.11631111895597664 | 2988935.52053 | 0.1928348254229484 | 2505741.32883 | -0.08884948240498891 | 2750084.95352 | 0.18139273896253613 | 2327832.95751 | 0.3553199920052403 | 1717552.29115 Portefeuille net | 4810309.517329908 | 0.009285417639036153 | 4854975.250171347 | 0.013851975750719201 | 4922226.249607062 | -0.04106851737915704 | 4720077.715330931 | -0.041015321194294456 | 4921953.2070201505 | -0.028367344637983256 | 5065652.31197 | 0.0017357076463365548 | 5056875.055269999 | 0.048856248464813914 | 4821323.286839 Immobilisations | 630400.61349 | -0.04172339856140903 | 604098.15744 | 0.021839563782000852 | 617291.39768 | 0.09641374954143177 | 676806.7758899999 | 0.15863084802546346 | 584143.5838199999 | -0.04861575014619091 | 613993.33015 | 0.10877876631930045 | 553756.39289 | -0.14263476851908946 | 645881.5596399999 Autres actifs | 1648830.82245 | 0.08048143416122014 | 1781531.0917300002 | -0.05979775499542365 | 1674999.53199 | 0.04282764354254635 | 1746735.8148799997 | 0.019825534012546806 | 1712779.0554599997 | 0.08799803822936192 | 1574248.2939099998 | 0.08235773898394184 | 1454462.0851399999 | 0.21300834492772563 | 1199053.65138 11837238.140819909 | 0.020969634896966242 | 12085460.702821346 | 0.0038329828001426804 | 12131784.06582706 | 0.012342930610318577 | 12281525.834730932 | 0.018209383703329182 | 12061886.318570152 | -0.01974331638573537 | 12304824.358960003 | 0.04728147106918666 | 11749300.163209999 | 0.16574413488971185 | 10078798.435749 PASSIF Dépôts À vue | 3747801.509029104 | 0.03016071412408243 | 3860837.8789367354 | -0.0031389438743615987 | 3848718.9255267438 | -0.07110657905999301 | 3575049.688969085 | -0.10004756101050408 | 3972487.360535741 | 0.056953956358795556 | 3758429.907600661 | 0.013955373289449001 | 3706701.504433726 | 0.3233124953696568 | 2801077.98982 Épargne | 1236946.276116356 | 0.005918389516715848 | 1244267.0059896638 | -0.0005672835745784889 | 1243561.1537547759 | 0.04733988734618517 | 1302431.198681619 | 0.028562072958774165 | 1266264.0718756327 | 0.026580565297491608 | 1233477.541539746 | 0.0427844843690287 | 1182869.097142448 | 0.26046426769509096 | 938439.2143900001 À terme | 2987499.015413946 | -0.005289525171316193 | 2971696.5641726316 | -0.002494794368582526 | 2964282.7923191977 | 0.110185700719043 | 3290904.36892029 | 0.11667859810535519 | 2947047.050515607 | -0.14317365802056095 | 3439491.6520742616 | 0.09809044179514938 | 3132248.0564090954 | 0.0994593422219099 | 2848898.48685 7972246.800559405 | 0.013114828373387613 | 8076801.44909903 | -0.002505766376189755 | 8056562.871600717 | 0.013879663915296821 | 8168385.256570994 | -0.0021272483548556956 | 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 Banques à l'étranger | 0 | - | 0 | - | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 420854.16566999996 | -0.01591721533594753 | 414155.33929000003 | -0.014917409444947427 | 407977.21452 | -0.05314795304318895 | 386294.06068 | 0.021635305498683106 | 378113.46045 | 0.18320408185694534 | 319567.40705000004 | 0.1104967532469775 | 287769.78061 | 0.5699488772144243 | 183298.82252 420854.16566999996 | -0.01591721533594753 | 414155.33929000003 | -0.014917409444947427 | 407977.21452 | -0.05314795304318895 | 386294.06068 | 0.021635305498683106 | 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 | 0.05530553262163035 | 1541042.78273 | -0.02009826043578859 | 1510070.5035400002 | -0.004409008130805021 | 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 Autres | 345714.21172999986 | -0.006749080717057788 | 343380.9586100001 | 0.04402190378054304 | 358497.24213000014 | -0.013541740352468128 | 353642.5655599998 | 0.051843598216758276 | 336212.1195200002 | -0.12093072664152071 | 382463.73716999986 | 0.09779651905649674 | 348392.19339000003 | 0.18399461421025867 | 294251.50182999996 1834233.7402799998 | -0.016667246577490646 | 1803662.11425 | 0.053157356831142484 | 1899540.0248600002 | -0.018860858571611717 | 1863713.0691 | 0.005797745240539784 | 1852970.0209800003 | -0.07912090100658234 | 2012175.1302699998 | -0.03772347904082241 | 2091057.0781300003 | 0.031068213894702316 | 2028049.21144 Autres passifs | 490474.90412 | 0.20570573534444325 | 591368.4049399999 | -0.10524999469039081 | 529126.88346 | 0.10633830150921354 | 585393.33753 | 0.08950866610380664 | 537300.30402 | 0.13332621801176445 | 474091.48 | 0.19562892130427856 | 396520.58557 | -0.05432176213225878 | 419297.56834 10717809.610629406 | 0.01569142418641537 | 10885987.307579031 | 0.000663209193405905 | 10893206.994440718 | 0.010151163885594826 | 11003785.723880993 | 0.00452826639987622 | 10954182.268376982 | -0.025188660515623348 | 11237233.118534671 | 0.04075764066886524 | 10797166.102295268 | 0.17117847020627716 | 9219061.29336 AVOIR DES ACTIONNAIRES Capital versé | 300000 | 0 | 300000 | 0 | 300000 | 0 | 300000 | 0 | 300000 | 0 | 300000 | 0 | 300000 | 0 | 300000 Réserves | 370248.24069 | -0.06968319296242595 | 344448.16109 | 0 | 344448.16109 | 0.061740427769168285 | 365714.5379 | 0.035159383189911096 | 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 | 0.07045387087522544 | 594128.9103400006 | 0.03012252441941793 | 612025.5729499995 | 0.3468544366754142 | 454411.0753800003 | 0.07224855657189247 | 423792.66690999997 | 0.17563829777614168 | 360478.78646999993 | 0.46997154018474685 | 245228.41199 1119428.53019 | 0.07150511435188653 | 1199473.3952500003 | 0.03260070322097493 | 1238577.0714300007 | 0.03161938027383545 | 1277740.1108499994 | 0.15350314970799128 | 1107704.0502000004 | 0.037573179324539005 | 1067591.25262 | 0.12126148662009512 | 952134.0609299999 | 0.1074711266239172 | 859737.1417099999 11837238.140819406 | 0.02096963489765886 | 12085460.702829031 | 0.003832982803116817 | 12131784.065870719 | 0.012342930606680382 | 12281525.834730992 | 0.018209383702757542 | 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 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 571446.430545663 | -0.004884583412778765 | 568655.152789728 | -0.020134177621637987 | 557205.748938 | -0.14035095261714484 | 479001.391270802 | -0.08854072183620226 | 525532.41022 | 0.5493044129315532 | 339205.39168 | -0.9974135396221497 | 131146564.07841 | 248.5147497529049 | 525606.4589699999 Portefeuille brut | 5136748.528419908 | 0.010480677257914833 | 5190585.131901346 | 0.01726551545507322 | 5280203.259717062 | -0.03318421480909427 | 5104983.860510931 | -0.027387590602893662 | 5248734.039570151 | -0.01592691236488238 | 5333683.14358 | 0.010347413503000485 | 5279058.54194 | 0.04952014005725682 | 5029973.547389 Provisions pour créances douteuses | 326439.01109000004 | 0.028093672411817067 | 335609.88173 | 0.0666462151373553 | 357977.01011 | 0.07522587850467038 | 384906.14518 | 0.17787246631457893 | 326780.83255000005 | 0.219191204933784 | 268030.83161 | 0.20634902092474205 | 222183.48667 | 0.06486081581842533 | 208650.26055 Portefeuille de crédit improductif | 686347.053537654 | -0.025837212103321364 | 668613.759138912 | -0.12769773906968498 | 583233.29378599 | -0.20602079190177625 | 463075.108736719 | -0.11015810068598554 | 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 | 90515.52871999999 | 0.007461023723210266 | 77227.25804 | 0.006288083343977424 | 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 | 1864066.9773900001 | 0.15365151302360583 | 1896894.5238299998 | 0.15445104699171588 | 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 | 245716.92745000002 | 0.02025398128723195 | 145331.68641 | 0.011833357545771426 | 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 | 39456.25582 | 0.0032523044925552875 | 29516.539819999998 | 0.0024033283988647534 | 52774.25278 | 0.0043752901814992405 | 35196.95591 | 0.0028604192049576584 | 27133.451950000002 | 0.0023093675004543365 | 48261.75186 | 0.004788443004159895 2130579.4707899997 | 0.17998957573074767 | 2223401.04649 | 0.1839732138610941 | 2239755.6893800003 | 0.18461882252660333 | 2148970.0080999997 | 0.1749758162803295 | 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 | 2677511.1971700005 | 0.22070218054012705 | 2988935.52053 | 0.24336841861111327 | 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 | 4922226.249607062 | 0.4057297939774614 | 4720077.715330931 | 0.3843233958750485 | 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 | 617291.39768 | 0.050882161628543414 | 676806.7758899999 | 0.05510771096340959 | 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 | 1674999.53199 | 0.13806704132726502 | 1746735.8148799997 | 0.14222465827009903 | 1712779.0554599997 | 0.1446941452967477 | 1574248.2939099998 | 0.12793748597993432 | 1454462.0851399999 | 0.12287174320877997 | 1199053.65138 | 0.11896791656503576 11837238.140819909 | 1 | 12085460.702821346 | 1 | 12131784.06582706 | 1 | 12281525.834730932 | 1 | 12061886.318570152 | 1 | 12304824.358960003 | 1 | 11749300.163209999 | 1 | 10078798.435749 | 1 PASSIF Dépôts À vue | 3747801.509029104 | 0.3166111439546921 | 3860837.8789367354 | 0.31946137378407297 | 3848718.9255267438 | 0.31724261696742995 | 3575049.688969085 | 0.2910916556360774 | 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 | 1243561.1537547759 | 0.10250439234717772 | 1302431.198681619 | 0.10604799568132432 | 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 | 2964282.7923191977 | 0.2443402203859712 | 3290904.36892029 | 0.26795566065691445 | 2947047.050515607 | 0.24432721157207504 | 3439491.6520742616 | 0.2795238316075375 | 3132248.0564090954 | 0.2665901809383463 | 2848898.48685 | 0.2826625123035597 7972246.800559405 | 0.6734887568974096 | 8076801.44909903 | 0.6683072865574338 | 8056562.871600717 | 0.6640872297005789 | 8168385.256570994 | 0.6650953119743163 | 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 | 407977.21452 | 0.033628789657507555 | 386294.06068 | 0.03145326288266225 | 378113.46045 | 0.03134778843569988 | 319567.40705000004 | 0.025970903584438463 | 287769.78061 | 0.02449250394598644 | 183298.82252 | 0.018186574886729368 420854.16566999996 | 0.03555340871437849 | 414155.33929000003 | 0.03426889131279171 | 407977.21452 | 0.033628789657507555 | 386294.06068 | 0.03145326288266225 | 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 | 1541042.78273 | 0.12702524001155163 | 1510070.5035400002 | 0.12295463315068483 | 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 | 358497.24213000014 | 0.029550249178916646 | 353642.5655599998 | 0.02879467668096531 | 336212.1195200002 | 0.027873925407701543 | 382463.73716999986 | 0.03108242149685796 | 348392.19339000003 | 0.029652165537561396 | 294251.50182999996 | 0.029195097382472144 1834233.7402799998 | 0.15495453571680456 | 1803662.11425 | 0.1492423134377439 | 1899540.0248600002 | 0.1565754891904683 | 1863713.0691 | 0.15174930983165014 | 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 | 529126.88346 | 0.04361492758105136 | 585393.33753 | 0.04766454473226494 | 537300.30402 | 0.044545296633478226 | 474091.48 | 0.03852891078894441 | 396520.58557 | 0.03374844289122898 | 419297.56834 | 0.04160194005396241 10717809.610629406 | 0.905431611928949 | 10885987.307579031 | 0.9007507099036532 | 10893206.994440718 | 0.8979064361296061 | 11003785.723880993 | 0.8959624294208935 | 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 | 300000 | 0.024728432221691386 | 300000 | 0.024426932291395736 | 300000 | 0.024871731674185004 | 300000 | 0.024380681206680455 | 300000 | 0.025533435679801177 | 300000 | 0.029765452887311927 Réserves | 370248.24069 | 0.031278262402546775 | 344448.16109 | 0.02850103687065804 | 344448.16109 | 0.028392210018001005 | 365714.5379 | 0.029777614184207934 | 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 | 594128.9103400006 | 0.04897292163430021 | 612025.5729499995 | 0.049833024103507734 | 454411.0753800003 | 0.03767330112209741 | 423792.66690999997 | 0.03444117969887209 | 360478.78646999993 | 0.030680873027548423 | 245228.41199 | 0.024331115812395547 1119428.53019 | 0.09456838807100848 | 1199473.3952500003 | 0.0992492900969827 | 1238577.0714300007 | 0.1020935638739926 | 1277740.1108499994 | 0.1040375705791114 | 1107704.0502000004 | 0.09183505970327455 | 1067591.25262 | 0.08676200663056292 | 952134.0609299999 | 0.08103751267768017 | 859737.1417099999 | 0.0853015512901374 11837238.140819406 | 0.9999999999999575 | 12085460.702829031 | 1.000000000000636 | 12131784.065870719 | 1.0000000000035987 | 12281525.834730992 | 1.0000000000000049 | 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) Septembre 25 | Septembre 24 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties | Gourdes | Total | % devises/total Disponibilités Encaisse | 15106.21962 | 62121.038420000004 | 77227.25804 | 0.19560735423463702 | 36943.52882 | 46348.57404 | 83292.10286 | 0.44354179509786 Avoirs à la BRH | 1347738.73235 | 549155.79148 | 1896894.5238299998 | 0.7104974554034743 | 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 | 79844.39841 | 65487.288 | 145331.68641 | 0.5493942882128838 | 152511.13659 | 27106.302480000002 | 179617.43907000002 | 0.849088693055933 Autres liquidités | 25334.13124 | 4182.40858 | 29516.539819999998 | 0.8583028835525613 | 38235.613450000004 | 14538.63933 | 52774.25278 | 0.7245126446298119 1468023.48162 | 680946.52648 | 2148970.0081 | 0.6831288831796888 | 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 | 1379518.24546 | 1609417.27507 | 2988935.52053 | 0.461541654540404 | 1596324.05376 | 909417.27507 | 2505741.32883 | 0.6370665780195947 Portefeuille net | 2840693.3971309313 | 1879384.3181999999 | 4720077.715330931 | 0.6018319121959131 | 2754219.4405501517 | 2167733.7664699988 | 4921953.2070201505 | 0.5595785503652952 Immobilisations | 0 | 676806.7758899999 | 676806.7758899999 | 0 | 0 | 584143.5838199999 | 584143.5838199999 | 0 Autres actifs | 1167926.2561299999 | 578809.5587500001 | 1746735.81488 | 0.6686335999873203 | 1169113.8062099998 | 543665.2492500001 | 1712779.05546 | 0.6825829650841986 | #REF! 6856161.380340931 | 5425364.45439 | 12281525.83473093 | 0.558249966054901 | 7222531.907330152 | 4839354.411239999 | 12061886.318570152 | 0.5987895853578505 | #REF! #REF! PASSIF | #REF! Dépôts | #REF! À vue | 2894357.287829085 | 680692.40114 | 3575049.688969085 | 0.8095991775330297 | 3416384.2105057407 | 556103.1500299999 | 3972487.360535741 | 0.8600113481657491 Épargne | 967544.413001619 | 334886.7856800001 | 1302431.198681619 | 0.742875642092275 | 967157.3292756327 | 299106.7426 | 1266264.0718756327 | 0.7637880208059974 À terme | 2379839.69881029 | 911064.6701100001 | 3290904.36892029 | 0.7231567472108251 | 2100298.353265607 | 846748.69725 | 2947047.050515607 | 0.7126789349692074 6241741.399640994 | 1926643.8569300002 | 8168385.256570995 | 0.7641340612111645 | 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 | 173741.32497000002 | 212552.73570999998 | 386294.06068 | 0.4497644221196676 | 195175.86744 | 182937.59301 | 378113.46045 | 0.5161833361015963 173741.32497000002 | 212552.73570999998 | 386294.06068 | 0.4497644221196676 | 195175.86744 | 182937.59301 | 378113.46045 | 0.5161833361015963 Obligations à terme Banques locales | 0 | 1510070.5035400002 | 1510070.5035400002 | 0 | 0 | 1516757.90146 | 1516757.90146 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 313658.64 | 39983.92556000012 | 353642.56556000013 | 0.8869368977213341 | 315544.08 | 20668.03952 | 336212.11952 | 0.9385267861565872 313658.64 | 1550054.4291000003 | 1863713.0691000004 | 0.1682977091272252 | 315544.08 | 1537425.9409800002 | 1852970.0209800003 | 0.17029097957727066 Autres passifs | 121694.1225 | 463699.21503 | 585393.33753 | 0.2078843654310696 | 225535.63499000002 | 311764.66903000005 | 537300.30402 | 0.41975713265482323 6850835.487110994 | 4152950.236770001 | 11003785.723880995 | 0.6225889579295378 | 7220095.47547698 | 3734086.7929000002 | 10954182.26837698 | 0.6591177048715241 AVOIR DES ACTIONNAIRES Capital versé | 0 | 300000 | 300000 | 0 | 0 | 300000 | 300000 | 0 Réserves | 0 | 365714.5379 | 365714.5379 | 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 | 612025.5729499995 | 612025.5729499995 | 0 | 0 | 454411.0753800003 | 454411.0753800003 | 0 0 | 1277740.1108499994 | 1277740.1108499994 | 0 | 1107704.0502000004 | 1107704.0502000004 6850835.487110994 | 5430690.34762 | 12281525.834730994 | 0.5578163152771685 | 7220095.47547698 | 4841790.8431 | 12061886.31857698 | 0.5985875910931966 *Converties au taux de 130.6911 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 | 0.09713104932784469 | 144282.35747000002 | 0.17683805392010674 | 169796.96878 | 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 | 0.07661519822578952 | 39425.688200000004 | 0.2101059790758451 | 47709.26102 | 41318.06111 | 0.0424038924608679 | 43070.10773000001 | -0.048679415272036335 | 40973.48007 | -0.07892936295562279 | 37739.46938999999 146331.49467 | 0.1489584631740168 | 168128.80923 | 0.09266250389418765 | 183708.04567000002 | 0.18397770226521606 | 217506.2298 | 163939.94189000005 | 0.0005149682196217152 | 164024.36575000003 | 0.05356350411615582 | 172810.08554 | 0.0982242669862635 | 189784.22952 Dépenses d'intérêt | 46219.382690000006 | -0.04119580161359362 | 44315.33817 | -0.00659413585400085 | 44023.11680969103 | 0.03176409376814314 | 45421.47121999998 | 44961.8767 | 0.12069338829391008 | 50388.47794297601 | -0.058652140203968854 | 47433.08586999999 | -0.048855716584035785 | 45115.708470029036 100112.11197999999 | 0.2367481677415315 | 123813.47106000001 | 0.12818845691368802 | 139684.92886030898 | 0.23194935906143666 | 172084.75858000002 | 118978.06519000005 | -0.04490052325565164 | 113635.88780702402 | 0.10332221703512105 | 125376.99967000002 | 0.15386810524057376 | 144668.52104997096 AUTRES REVENUS Commissions | 7733.189140000002 | 0.8306167680259274 | 14156.505710000005 | 0.19320046104795424 | 16891.549140000003 | -0.10051166568136341 | 15193.751400000001 | 4884.2896 | 0.2217820499423285 | 5967.537359999996 | -0.004436416297523966 | 5941.062880000009 | 0.48758791793834416 | 8837.853359999996 Gains sur change | 4545.41855 | -0.08381955056702124 | 4164.423609999999 | -0.021668823455738125 | 4074.1854500000013 | 1.842334258495767 | 11580.196879999996 | 5272.2414 | -0.40484567721045545 | 3137.7972600000003 | 0.18199774640634372 | 3708.8692900000005 | -0.36759306769745986 | 2345.5146500000005 Autres | 7301.135190000001 | 10.465498965784798 | 83711.15797 | -0.8932078854624881 | 8939.691569999999 | -0.13930756561884378 | 7694.3249 | 7443.003279999999 | 0.4808053047102782 | 11021.638739999999 | -0.2645171492891809 | 8106.226279999999 | 4.572651225077818 | 45173.17181 19579.742880000005 | 4.211104554096165 | 102032.08729 | -0.7069017506718106 | 29905.426160000003 | 0.1525758902611135 | 34468.27318 | 17599.53428 | 0.14360829325308694 | 20126.973359999996 | -0.11779291737483508 | 17756.15845000001 | 2.1739151223895488 | 56356.53982 PRODUIT NET BANCAIRE | 119691.85485999999 | 0.8868916236126915 | 225845.55835 | -0.24908704754118102 | 169590.35502030898 | 0.2179527057140993 | 206553.03176 | 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 | -0.08333333333333333 | 22000 | 0.3966973831818182 | 30727.34243 | -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 | -0.2687956265830361 | 147590.35502030898 | 0.19130880405976225 | 175825.68933000002 | 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 | -0.26899623164070535 | 35306.317339999994 | 0.31038100503290894 | 46264.72760000001 | 39961.67533 | -0.0078083077704638945 | 39649.642270000004 | 0.006480443587618701 | 39906.58954 | 0.06451549480116266 | 42481.18291 Frais de locaux | 22474.563480000004 | -0.09179103175177686 | 20411.60011 | 0.06983101140129079 | 21836.962789999998 | 0.24371420976350913 | 27158.94092 | 19600.97696 | 0.1402584930134013 | 22350.18045 | -0.016211163073629863 | 21987.858029999996 | 0.270302134109241 | 27931.222980000006 Amortissement | 3453.94708 | 0.047936756460090386 | 3619.5181000000002 | -0.049881753595872144 | 3438.970190000001 | 1.6349582722029925 | 9061.54295 | 4369.13132 | 0.015489971585472684 | 4436.809039999999 | -0.15559774238108728 | 3746.45157 | -0.04830698505466082 | 3565.4717899999996 Autres dépenses d'exploitation | 29846.66644 | 0.3887513519583531 | 41449.59837000001 | -0.1932026771047338 | 33441.424999999996 | 0.23508730145321285 | 41303.07936 | 32197.33444000002 | -0.09577069417799966 | 29113.773370000003 | 0.05526689926280754 | 30722.80135 | 0.1572491761074384 | 35553.93655 95035.78129 | 0.19722405377828198 | 113779.12333 | -0.17362981390445575 | 94023.67531999998 | 0.316565114144913 | 123788.29083000001 | 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 | -0.3917469273265809 | 53566.679700309 | -0.02854911315886863 | 52037.39850000001 | 42269.88922000001 | -0.3775130116836393 | 26312.456037024007 | -0.02063655351138301 | 25769.457630000048 | 0.9284956980280411 | 49696.28817997097 Impôts sur le revenu | 6332.318649999999 | 2.754959482337485 | 23777.59996 | -0.3917382938425042 | 14463.003520000004 | -0.10984194519507419 | 12874.359079999998 | 11412.870089400007 | -0.377513011613236 | 7104.363130799988 | -0.02063655362215014 | 6957.753560100007 | 0.7572224698663065 | 12226.320895600022 BÉNÉFICE NET | 17120.713379999987 | 2.7550324938621253 | 64288.835060000005 | -0.391750120470934 | 39103.676180309 | 0.0015180986927492725 | 39163.039420000016 | 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- sept. 25) | 2024 (oct.23-sept. 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 | 144282.35747000002 | 0.09440285538019327 | 131836.60547 | 169796.96878 | 0.11675646457544242 | 152044.76013 | 552587.11754 | 0.04764291517396417 | 527457.5044 | 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 | 39425.688200000004 | -0.03777545542520947 | 40973.48007 | 47709.26102 | 0.26417413363638204 | 37739.46938999999 | 163087.46183 | -8.373008194154282e-05 | 163101.1183 | 163101.1183 146331.49467 | -0.10740791424590675 | 163939.94189000005 | 168128.80923 | 0.025023376625981475 | 164024.36575000003 | 183708.04567000002 | 0.06306321819091683 | 172810.08554 | 217506.2298 | 0.14607114800905302 | 189784.22952 | 715674.5793699999 | 0.03637049172132506 | 690558.6227 | 690558.6227 Dépenses d'intérêt | 46219.382690000006 | 0.027968271840396845 | 44961.8767 | 44315.33817 | -0.12052635882054029 | 50388.47794297601 | 44023.11680969103 | -0.07189009523130475 | 47433.08586999999 | 45421.47121999998 | 0.006777301306795698 | 45115.708470029036 | 179979.30888969102 | -0.0421494197082837 | 187899.14898300503 | 187899.14898300503 100112.11197999999 | -0.15856664991040487 | 118978.06519000005 | 123813.47106000001 | 0.0895631076536272 | 113635.88780702402 | 139684.92886030898 | 0.11411925016524811 | 125376.99967000002 | 172084.75858000002 | 0.18951073344116806 | 144668.52104997096 | 535695.2704803089 | 0.06572202154875462 | 502659.4737169949 | 502659.4737169949 AUTRES REVENUS Commissions | 7733.189140000002 | 0.5832781782636316 | 4884.2896 | 14156.505710000005 | 1.3722525484113626 | 5967.537359999996 | 16891.549140000003 | 1.843186392937147 | 5941.062880000009 | 15193.751400000001 | 0.7191676282802693 | 8837.853359999996 | 53974.99539000001 | 1.1058693058108442 | 25630.743199999997 | 25630.743199999997 Gains sur change | 4545.41855 | -0.1378584163464138 | 5272.2414 | 4164.423609999999 | 0.32718058718682114 | 3137.7972600000003 | 4074.1854500000013 | 0.09849798723966374 | 3708.8692900000005 | 11580.196879999996 | 3.9371667237294776 | 2345.5146500000005 | 24364.224489999997 | 0.6844242707621108 | 14464.422600000002 | 14464.422600000002 Autres | 7301.135190000001 | -0.01906059753879326 | 7443.003279999999 | 83711.15797 | 6.5951643802471445 | 11021.638739999999 | 8939.691569999999 | 0.10281791566272441 | 8106.226279999999 | 7694.3249 | -0.8296704749367034 | 45173.17181 | 107646.30963 | 0.5004216303535962 | 71744.04011 | 71744.04011 19579.742880000005 | 0.11251482956854728 | 17599.53428 | 102032.08729 | 4.069420298075061 | 20126.973359999996 | 29905.426160000003 | 0.6842283900659822 | 17756.15845000001 | 34468.27318 | -0.3883891152634644 | 56356.53982 | 185985.52951000002 | 0.6629725506068734 | 111839.20591 | 111839.20591 PRODUIT NET BANCAIRE | 119691.85485999999 | -0.12363480303890603 | 136577.59947000004 | 225845.55835 | 0.688402568393003 | 133762.861167024 | 169590.35502030898 | 0.18484324141110442 | 143133.15812000004 | 206553.03176 | 0.027498914145857166 | 201025.06086997097 | 721680.7999903089 | 0.17442205153048396 | 614498.6796269949 | 614498.6796269949 Dotation à la provision pour créances douteuses | 1203.0415399999983 | 1.6605009268105686 | -1821.4077999999997 | 24000 | 1.0168067226890756 | 11900 | 22000 | 0.047619047619047616 | 21000 | 30727.34243 | -0.2648426210388897 | 41796.958459999994 | 77930.38397 | 0.06936254016910645 | 72875.55066 | 72875.55066 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 118488.81331999999 | -0.1438608147756264 | 138399.00727000003 | 201845.55835 | 0.6563336558572388 | 121862.861167024 | 147590.35502030898 | 0.2084380465728756 | 122133.15812000004 | 175825.68933000002 | 0.10423779891124102 | 159228.10240997098 | 643750.416020309 | 0.1885578395592065 | 541623.1289669949 | 541623.1289669949 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 39260.604289999996 | -0.01754358480245434 | 39961.67533 | 48298.40675 | 0.2181296976427928 | 39649.642270000004 | 35306.317339999994 | -0.11527600461545245 | 39906.58954 | 46264.72760000001 | 0.08906401448414868 | 42481.18291 | 169130.05598 | 0.044018555461015726 | 161999.09005 | 161999.09005 Frais de locaux | 22474.563480000004 | 0.14660424966899224 | 19600.97696 | 20411.60011 | -0.08673667509471944 | 22350.18045 | 21836.962789999998 | -0.006862662101698045 | 21987.858029999996 | 27158.94092 | -0.027649418020578374 | 27931.222980000006 | 91882.0673 | 0.0001287563873069394 | 91870.23842000001 | 91870.23842000001 Amortissement | 3453.94708 | -0.2094659494006695 | 4369.13132 | 3619.5181000000002 | -0.18420692273021494 | 4436.809039999999 | 3438.970190000001 | -0.08207269579091322 | 3746.45157 | 9061.54295 | 1.5414709423349553 | 3565.4717899999996 | 19573.978320000002 | 0.2144275854443073 | 16117.863720000001 | 16117.863720000001 Autres dépenses d'exploitation | 29846.66644 | -0.07300815551611912 | 32197.33444000002 | 41449.59837000001 | 0.4237109646773349 | 29113.773370000003 | 33441.424999999996 | 0.08848879433320275 | 30722.80135 | 41303.07936 | 0.1617020045562298 | 35553.93655 | 146040.76917 | 0.14462916398747294 | 127587.84571000002 | 127587.84571000002 95035.78129 | -0.011373627285661131 | 96129.11805000002 | 113779.12333 | 0.19077593836676182 | 95550.40513 | 94023.67531999998 | -0.024283263906442042 | 96363.70048999999 | 123788.29083000001 | 0.13015831701704123 | 109531.81423 | 426626.87077000004 | 0.07307257775400687 | 397575.03790000005 | 397575.03790000005 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 23453.032029999988 | -0.445159841608878 | 42269.88922000001 | 88066.43502 | 2.3469484907103526 | 26312.456037024007 | 53566.679700309 | 1.0786886736004968 | 25769.457630000048 | 52037.39850000001 | 0.04710835367725859 | 49696.28817997097 | 217123.54525030893 | 0.5072990113373153 | 144048.09106699488 | 144048.09106699488 Impôts sur le revenu | 6332.318649999999 | -0.44515984144239923 | 11412.870089400007 | 23777.59996 | 2.3469009849616906 | 7104.363130799988 | 14463.003520000004 | 1.0786886737322325 | 6957.753560100007 | 12874.359079999998 | 0.05300353147390324 | 12226.320895600022 | 57447.28121 | 0.5237477093327 | 37701.307675900025 | 37701.307675900025 BÉNÉFICE NET | 17120.713379999987 | -0.44515984167045236 | 30857.019130600005 | 64288.835060000005 | 2.3469660613297236 | 19208.092906224017 | 39103.676180309 | 1.0786886735517724 | 18811.704069900043 | 39163.039420000016 | 0.045184777525419995 | 37469.96728437095 | 159676.26404030895 | 0.5014677355411178 | 106346.78339109485 | 106346.78339109485 [SGBELVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 552587.11754 | 0.04764291517396417 | 527457.5044 | 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 | 163087.46183 | -8.373008194154282e-05 | 163101.1183 | 163101.1183 | 0.12574351222965155 | 144883.01867000002 | 1.1587216066983668 | 67115.19365 | 1.3117820354313419 | 29031.799980000003 715674.5793699999 | 0.03637049172132506 | 690558.6227 | 690558.6227 | -0.07474858111680707 | 746347.00213 | 0.3064707936721402 | 571269.56511 | 0.02201170534324406 | 558965.7751699999 Dépenses d'intérêt | 179979.30888969102 | -0.0421494197082837 | 187899.14898300503 | 187899.14898300503 | 0.030341267666886572 | 182365.935325958 | 0.12735606709473118 | 161764.273638875 | 0.041186249571496025 | 155365.35726 535695.2704803089 | 0.06572202154875462 | 502659.4737169949 | 502659.4737169949 | -0.10872987888501875 | 563981.0668040421 | 0.37722534616823017 | 409505.291471125 | 0.014630494169710599 | 403600.41790999996 AUTRES REVENUS Commissions | 53974.99539000001 | 1.1058693058108442 | 25630.743199999997 | 25630.743199999997 | 0.21178147786894663 | 21151.291439999997 | -0.05650714516171521 | 22418.072729999996 | 0.0651965355925976 | 21045.949719999997 Gains sur change | 24364.224489999997 | 0.6844242707621108 | 14464.422600000002 | 14464.422600000002 | -0.31559665270430776 | 21134.35397 | 1.7073940625777582 | 7806.161010000002 | -0.6010075300715816 | 19564.682539999998 Autres | 107646.30963 | 0.5004216303535962 | 71744.04011 | 71744.04011 | 0.5974789949670927 | 44910.78777 | -0.4729440636117505 | 85210.66678 | 1.3413139305349486 | 36394.379100000006 185985.52951000002 | 0.6629725506068734 | 111839.20591 | 111839.20591 | 0.282612164641297 | 87196.43317999999 | -0.24462677416270193 | 115434.90052 | 0.49905698968524886 | 77005.01136 PRODUIT NET BANCAIRE | 721680.7999903089 | 0.17442205153048396 | 614498.6796269949 | 614498.6796269949 | -0.05632691602204622 | 651177.499984042 | 0.24047941064312955 | 524940.191991125 | 0.09224773592022438 | 480605.42926999996 Dotation à la provision pour créances douteuses | 77930.38397 | 0.06936254016910645 | 72875.55066 | 72875.55066 | 1.006455391255436 | 36320.54367 | 2.282431105353218 | 11065.13511 | -0.7101019931550905 | 38169.06239000001 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 643750.416020309 | 0.1885578395592065 | 541623.1289669949 | 541623.1289669949 | -0.11910709734190991 | 614856.956314042 | 0.1965106071616104 | 513875.056881125 | 0.1614665867204832 | 442436.36688 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 169130.05598 | 0.044018555461015726 | 161999.09005 | 161999.09005 | 0.029894803592110417 | 157296.73505000002 | 0.1764421657291397 | 133705.455 | 0.022683683752367855 | 130739.79483999997 Frais de locaux | 91882.0673 | 0.0001287563873069394 | 91870.23842000001 | 91870.23842000001 | 0.19996180576024183 | 76560.96884 | 0.31629344127582826 | 58164.05859 | 0.1790164787618951 | 49332.693510000005 Amortissement | 19573.978320000002 | 0.2144275854443073 | 16117.863720000001 | 16117.863720000001 | -0.002832430853273291 | 16163.646130000005 | -0.14805086993787658 | 18972.54843 | -0.020209238917490813 | 19363.877660000002 Autres dépenses d'exploitation | 146040.76917 | 0.14462916398747294 | 127587.84571000002 | 127587.84571000002 | -0.0008839911737810833 | 127700.73202999993 | 0.5194406144074976 | 84044.56931 | 0.015740797351912778 | 82742.14202 426626.87077000004 | 0.07307257775400687 | 397575.03790000005 | 397575.03790000005 | 0.052559690824144356 | 377722.08204999997 | 0.2809060904063194 | 294886.63133 | 0.04503575906159715 | 282178.50802999997 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 217123.54525030893 | 0.5072990113373153 | 144048.09106699488 | 144048.09106699488 | -0.39254784217608585 | 237134.874264042 | 0.08286487592779426 | 218988.42555112502 | 0.3664754235615759 | 160257.85885000002 Impôts sur le revenu | 57447.28121 | 0.5237477093327 | 37701.307675900025 | 37701.307675900025 | -0.39922646609625784 | 62754.60809820003 | 0.061355067012540426 | 59126.87473649999 | 0.394729207997185 | 42393.085623700026 BÉNÉFICE NET | 159676.26404030895 | 0.5014677355411178 | 106346.78339109485 | 106346.78339109485 | -0.39014439116662897 | 174380.26616584198 | 0.09082055864735597 | 159861.55081462505 | 0.3563132260704509 | 117864.77322629999 [unibkinfin] UNIBANK (UNIBK) INDICATEURS FINANCIERS Var.sept 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 | 0.03939902212306977 | 255289746.53040826 | 0.010078629678093717 | 257862717.34630266 | 0.02334485207099293 | 263882484.33737636 | 0.09703752761031054 | 240540982.14141735 | 0.035103946064207796 | 232383407.53702095 | 0.06253443488768318 | 218706707.19635114 | 0.20484270627840398 | 181523037.03767818 Bons B.R.H. | 2200000 | 0.36363636363636365 | 3000000 | 0.8333333333333334 | 5500000 | -0.5454545454545454 | 2500000 | -0.20634920634920634 | 3150000 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 42313270.945769995 | -0.0171981143828999 | 41585562.47213001 | -0.04115761958725627 | 39873999.71158 | 0.12721990084648552 | 44946766.00124 | 0.09018272789161383 | 41228653.55623999 | -0.17486826314171713 | 49966146.876399994 | -0.04315305776366303 | 52219581.492960006 | 0.2782957527678963 | 40850938.74394 Dépôts | 205519984.5728756 | 0.05157443959674772 | 216119562.60315388 | 0.005170952816872816 | 217237106.66417798 | 0.026838272387243015 | 223067375.30544776 | 0.10328891148785305 | 202184009.08663866 | 0.045620812223955885 | 193362648.0297467 | 0.0332075349053402 | 187147926.7207068 | 0.1944090174683744 | 156686632.45475045 Avoir des Actionnaires | 21003199.882400002 | 0.05054429032023723 | 22064791.71491 | -0.044544958214395254 | 21081916.48996 | 0.06673272096585701 | 22488770.14051 | 0.1102218497802687 | 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 - sept 25) | (oct. 23- sept 24) Résultats Revenus nets d'intérêt | 2015832.30079 | -0.023867237897729956 | 2065121.0358399998 | 2050356.08432 | -0.01178314344147938 | 2074803.7950499998 | 2026809.14675 | -0.00478470473548208 | 2036553.453704 | 2274651.52613 | 0.14484708335767602 | 1986860.5678400001 | 8367649.057989999 | 0.02502777469479674 | 8163338.852434 Autres revenus | 1471902.5240000002 | -0.02693624591246341 | 1512647.5709499998 | 1687542.7665 | 0.16625190272861176 | 1446979.64698 | 1463240.42173 | 0.46018635083240195 | 1002091.5624200001 | 2131540.50592 | 0.09197669444059951 | 1952001.83005 | 6754226.218150001 | 0.14212805492905256 | 5913720.6104 Dot. à la prov. pr créances douteuses | 127569.23956999999 | -0.49877487332863363 | 254514.85327000002 | 117873.69029 | -0.4781050891532282 | 225857.13683 | 236181.65165999997 | -0.3080466418602911 | 341325.97072000004 | 157501.04441 | -0.34498829038341 | 240455.3111 | 639125.62593 | -0.3982736363701208 | 1062153.2719200002 Dépenses d'exploitation | 2424621.44549 | 0.06505863447944539 | 2276514.5194800003 | 2404565.5792900003 | 0.041464164437871584 | 2308831.79796 | 2109507.30416 | -0.0980291592845889 | 2338775.5001999997 | 2495578.2429299997 | 0.1499576953210077 | 2170147.86986 | 9434272.57187 | 0.03738649677800191 | 9094269.6875 Bénéfice (perte) net | 757959.1453399999 | -0.07804661698126902 | 822123.0696699995 | 974084.5975099998 | 0.17247020259318727 | 830796.8896399993 | 911152.7322800001 | 4.681517862777266 | 160371.35749400005 | 1406854.044170001 | 0.13709316141826897 | 1237237.27475 | 4050050.5193000017 | 0.3276553219377708 | 3050528.591554001 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 - sept 25) | (oct. 23- sept 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 | 0.08643038749024651 | 0.08967833390311958 | 0.08175635744056615 | 0.08015080026911336 | 0.08522267098167033 | 0.084210618164813 | 0.08522267098167033 | 0.084210618164813 | 0.084210618164813 | 0.08350589749755921 | 0.07528974387734151 | 0.0734203971703253 Dépôts en % de l'actif | 0.8367640059776186 | 0.8261669836757143 | 0.8465657768883847 | 0.832486081219478 | 0.8424525611914436 | 0.8475973044845778 | 0.8453284645458087 | 0.8405387193761931 | 0.8453284645458087 | 0.8405387193761931 | 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 | 0.007837792262899717 | 0.00851933571922217 | 0.004306066321122609 | 0.0055162569408632525 | 0.004306066321122609 | 0.0055162569408632525 | 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 | 4.1228457583161555 | 3.300025578827929 | 6.568374638558733 | 5.035422392966732 | 6.568374638558733 | 5.035422392966732 | 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 | -0.047839820504948484 | -0.04354643836400344 | -0.049317662804162936 | -0.046602656203938074 | -0.049317662804162936 | -0.046602656203938074 | -0.046602656203938074 | -0.030859638379443253 | -0.03944924059046916 | -0.05380588016584977 Rentabilité ROA (rendement de l'actif) | 0.01247274602562666 | 0.014173701397207536 | 0.015557269971154846 | 0.01416742643038573 | 0.014204787799657328 | 0.002700391738656429 | 0.02157151099241643 | 0.020699987771262016 | 0.016058136817353116 | 0.01290070319117264 | 0.01290070319117264 | 0.02356083406257302 | 0.022344288908249615 | 0.026942727683757217 ROE (rendement avoir des action.) | 0.1469649866710402 | 0.16602274031568567 | 0.18093894075540598 | 0.16012660802772066 | 0.1689403934045022 | 0.03180177277463805 | 0.25831202635877765 | 0.25184576212423326 | 0.18949876563808726 | 0.15382824024847003 | 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 | 0.8728569997642295 | 0.8775537016611055 | 0.883940536691413 | 0.8547244108381175 | 0.8707467439946813 | 0.8740787500979855 | 0.8740787500979855 | 0.8678564774472659 | 0.8223947513581819 | 0.8144197355633667 Rendement moyen des prêts | 0.12503251261197215 | 0.13202374169997094 | 0.12211417238447403 | 0.12931500585199765 | 0.11914329699855841 | 0.13122220752475516 | 0.13642723378983376 | 0.1270080064269907 | 0.12181341956229337 | 0.12556420320037712 | 0.12556420320037712 | 0.11313361988764775 | 0.07746518073442459 | 0.07923305842060718 Rendement moyen des prêts productifs | 0.12571737682864695 | 0.13470660359022787 | 0.12318505300302572 | 0.13181669689188685 | 0.12034532082789771 | 0.1325296009332405 | 0.13724659285564253 | 0.1279054370963204 | 0.12241138654056802 | 0.12685422286581097 | 0.12685422286581097 | 0.11400684210529684 | 0.07770523120931115 | 0.07971792423496582 Rémunération moyenne des dépôts | 0.006363339068605313 | 0.006697698674737563 | 0.006145671603897679 | 0.004771252827899299 | 0.005450128152574956 | 0.005695945323667079 | 0.005426368220900423 | 0.006693984126087855 | 0.005841674442403599 | 0.0059463239423811765 | 0.0059463239423811765 | 0.005786844443795254 | 0.004906166998469684 | 0.00552208416672816 Dépenses d'exploitation en % du produit net bancaire | 0.6951851466047132 | 0.6362945091416926 | 0.6432933782471133 | 0.655585965453106 | 0.6044347688387534 | 0.7696771053511438 | 0.5663798183959133 | 0.5509580306797519 | 0.6238824484127199 | 0.6460347568688282 | 0.6460347568688282 | 0.5523325541297847 | 0.572965483892479 | 0.5273483255696426 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 9097.4498201239 | 8983.725315229127 | 9762.7132897682 | 8907.451007347454 | 9109.427911203915 | 7778.93124127744 | 11526.990273512101 | 10234.134193933096 | 9854.594510355166 | 8940.653834762783 | 8940.653834762783 | 13858.742975171173 | 8302.657319481008 | 7150.438652770809 [unibkvar] UNIBANK (UNIBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept 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 | -0.27429442836822715 | 3769686.9529872 | 0.14906214134035878 | 4331604.562382285 | -0.740543605225775 | 16694923.11473603 | 0.4967303288776143 | 11154262.590012066 | 1.0895019024858448 | 5338239.978026357 | 0.06204019493204622 | 5026401.075495942 Avoirs à la BRH | 100218184.09170781 | 0.08873913377127968 | 109111458.9361366 | 0.04308339458559276 | 113812350.97529188 | -0.004441801515763952 | 113306819.10221717 | 0.24564602640610494 | 90962293.21994957 | -0.014041330009889275 | 92257714.23143116 | 0.017577021827108776 | 90664109.2049995 | 0.25332650026526293 | 72338779.38893872 Avoirs à l'étranger | 13176697.601320932 | 0.3028591704758587 | 17167381.306468226 | -0.12250698613623248 | 15064257.162761306 | -0.06537040968735575 | 14079500.500395916 | 0.02485576169827133 | 13738031.268970974 | -0.08120952151349041 | 14952300.432630884 | -0.11764671704269684 | 16945933.926280208 | -4.859193621607797e-05 | 16946757.402034957 Avoirs dans les banques locales | 5595.881450009137 | -0.5846707563833454 | 2324.133210000763 | 7.906556806177749 | 20700.024459996035 | -0.9469134260144109 | 1098.8933799990862 | 0 | 1311.3831000113878 | -0.8335044429220758 | 7876.384950005764 | 0 | 6.375926050532144e-09 | 0 | 6.110186409205198e-09 Autres liquidités | 915874.1545226049 | 0.1123796752756677 | 1018799.7946012319 | 0.04587826282798072 | 1065540.55934704 | -0.08044510917087702 | 979823.03272437 | -0.37052022235461723 | 1556559.984165771 | -0.19128484153955413 | 1924732.049203826 | 0.916883857982657 | 1004094.24451486 | 0.2843687185670473 | 781780.364158288 123789528.15481214 | 0.0703205597818356 | 132494477.06978783 | 0.009344228019462771 | 133732535.67484741 | -0.007729529530950842 | 132698846.09109974 | 0.07926376493533409 | 122953118.97092238 | 0.022080648784030522 | 120296885.68822795 | 0.05567684046386677 | 113952377.35382092 | 0.19831656048463345 | 95093718.23062791 Bons B.R.H. | 2200000 | 0.36363636363636365 | 3000000 | 0.8333333333333334 | 5500000 | -0.5454545454545454 | 2500000 | 0 | 3150000 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 13550000 | 0.05335793357933579 | 14273000 | -0.15988229524276606 | 11991000 | 0.3088691518638979 | 15694650 | 0.5389929397921162 | 10198000 | 0.8541818181818182 | 5500000 | -0.11290322580645161 | 6200000 | -0.08823529411764706 | 6800000 Autres Placements | 54295891.087898254 | 0.016109459641807867 | 55170568.55409475 | 0.04578741858635564 | 57696686.47012831 | 0.02165650504162178 | 58946195.05155352 | 0.0781063977035106 | 54675675.03273854 | 0.1413613843510189 | 47903911.75169052 | 0.1913120996517343 | 40211051.13067739 | 0.21842040898893045 | 33002607.99476046 Portefeuille net | 42313270.945769995 | -0.0171981143828999 | 41585562.47213001 | -0.04115761958725627 | 39873999.71158 | 0.12721990084648552 | 44946766.00124 | 0.09018272789161383 | 41228653.55623999 | -0.17486826314171713 | 49966146.876399994 | -0.04315305776366303 | 52219581.492960006 | 0.2782957527678963 | 40850938.74394 Immobilisations | 4597332.87228 | 0.0029892936299789445 | 4611075.650149999 | -0.0009404929389650272 | 4606738.96606 | 0.02194031326164866 | 4707812.262089999 | 0.060077883774294946 | 4441006.01866 | 0.08237390839534574 | 4103023.9034900004 | 0.23486149346758736 | 3322659.201209999 | 0.08831236168912789 | 3053038.18846 Autres actifs | 4866817.721940225 | -0.14624647528627677 | 4155062.78424568 | 0.07381205901486834 | 4461756.523686905 | -0.0164826547354969 | 4388214.931393123 | 0.12676408981696655 | 3894528.562856447 | -0.1558296760670132 | 4613439.317212492 | 0.6470463050083847 | 2801038.017682816 | 0.028759379817235177 | 2722733.8798898105 245612840.78270063 | 0.03939902212306977 | 255289746.53040826 | 0.010078629678093717 | 257862717.34630266 | 0.02334485207099293 | 263882484.33737636 | 0.09703752761031054 | 240540982.14141735 | 0.035103946064207796 | 232383407.53702095 | 0.06253443488768318 | 218706707.19635114 | 0.20484270627840398 | 181523037.03767818 PASSIF Dépôts À vue | 95428918.26308471 | 0.0880984588025805 | 103836058.8872599 | -0.0161862241486257 | 102155345.16340081 | 0.05292419041944289 | 107561834.10319255 | 0.12485109799259649 | 95623175.63199863 | 0.03974682417966249 | 91967749.65621388 | 0.08277525922920087 | 84937062.30569333 | 0.19847177099902089 | 70871141.36605118 Épargne | 75916728.60751504 | 0.05032524829020869 | 79737256.82406862 | 0.03893302551263246 | 82841669.47830741 | -0.008772933812929644 | 82114904.99502163 | 0.1341419199076842 | 72402671.61776856 | -0.030151402027704107 | 74653581.77466455 | -0.0008472307877473312 | 74716884.21933973 | 0.21478062858724267 | 61506483.11393759 À terme | 34174337.70227584 | -0.047640742145005646 | 32546246.891825374 | -0.009406764176932241 | 32240092.02246976 | 0.03568675250560567 | 33390636.20723359 | -0.022469757983563175 | 34158161.836871475 | 0.27735527570535146 | 26741316.598868273 | -0.027375577906464586 | 27493980.195673734 | 0.1310202466599536 | 24309007.97476168 205519984.5728756 | 0.05157443959674772 | 216119562.60315388 | 0.005170952816872816 | 217237106.66417798 | 0.026838272387243015 | 223067375.30544776 | 0.10328891148785305 | 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 Banques à l'étranger | 0 | - | 0 | - | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 12010035.150317037 | -0.1372344618641576 | 10361844.439493662 | 0.2604630727575477 | 13060722.28163989 | -0.08721438271765071 | 11921639.450000001 | 0.13034169288014985 | 10546934.192636255 | 0.22079457133358266 | 8639401.288551684 | 0.3952947068635687 | 6191811.12495716 | 0.5162420825951661 | 4083656.0309415725 12010035.150317037 | -0.1372344618641576 | 10361844.439493662 | 0.2604630727575477 | 13060722.28163989 | -0.08721438271765071 | 11921639.450000001 | 0.13034169288014985 | 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 | -0.28400354034410813 | 1630364.56971 | -0.16038410324784672 | 1368880.0102300001 | -0.27026423932538074 | 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 Autres | 2956151.8217208683 | -0.26508161244117234 | 2172530.3301981916 | 0.04139022192139841 | 2262451.8426960637 | 0.18213337143484018 | 2674519.8245152645 | -0.184852406496049 | 3281025.2349745804 | -0.3754768786008453 | 5253648.940368953 | 1.327131149530416 | 2257564.6161708888 | 0.39165437984239937 | 1622216.4417192084 4782608.7471908685 | -0.06963180285200656 | 4449587.077788192 | -0.12512861432950959 | 3892816.4124060636 | 0.03868238477912928 | 4043399.8347452646 | -0.2159216422884442 | 5156882.33832458 | -0.4022535352832463 | 8627206.755238954 | 0.28218906692830137 | 6728498.142560888 | 0.20350531227894741 | 5590750.6796292085 Autres passifs | 2297012.42495168 | -0.0013285634003901044 | 2293960.698313648 | 0.12911937901045842 | 2590155.4791543037 | -0.08835603589529957 | 2361299.608663739 | -0.01491503841609505 | 2397051.727261207 | 0.020557713201169905 | 2348766.46 | 0.08133478208894412 | 2172099.241515755 | 0.18402509271008033 | 1834504.3993485821 224609640.89533517 | 0.03835683049521833 | 233224954.8187494 | 0.015246421727864792 | 236780800.83737826 | 0.019481787987728955 | 241393714.19885674 | 0.09582517469390193 | 220284877.3448607 | 0.03430802260441095 | 212978022.53353736 | 0.053093698107249274 | 202240335.22974062 | 0.20241197206262992 | 168195543.56466982 AVOIR DES ACTIONNAIRES Capital versé | 12527000 | 0 | 12527000 | -0.0005089007743274527 | 12520625 | 0 | 12520625 | -0.0008777792185770002 | 12531625 | -0.0023822697039776143 | 12561550 | 0.993679261191735 | 6300687.5 | -0.00019835169739465045 | 6301937.5 Réserves | 2116731.10039 | 0.20256690196076352 | 2545510.76168 | 0.0012858041416566575 | 2548783.7899599997 | 0.06648882831786203 | 2718249.43779 | 0.2861619890519334 | 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 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 6359468.782010001 | 0.09950708037283416 | 6992280.95323 | -0.1401221232075072 | 6012507.7 | 0.20580231485108938 | 7249895.7027199995 | 0.2920812027053336 | 5611021.728 | -0.07590573292094535 | 6071914.87697 | -0.20130437616435562 | 7602288.901760001 | 0.44818444648348366 | 5249530.83167 21003199.882400002 | 0.05054429032023723 | 22064791.71491 | -0.044544958214395254 | 21081916.48996 | 0.06673272096585701 | 22488770.14051 | 0.1102218497802687 | 20256104.8001 | 0.04383936673995961 | 19405385.00992 | 0.1784857676220703 | 16466371.96907 | 0.23551904190526105 | 13327493.47487 245612840.77773517 | 0.039399022157319705 | 255289746.5336594 | 0.010078629590944575 | 257862717.32733828 | 0.023344852153973045 | 263882484.33936673 | 0.09703752760242496 | 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 | 4756.251657588001 | -0.26295 | 4434.180791275 | 3750.073000181 | 2958.534002186 Crédit documentaire | 1949395.762050704 | 0.00663235402402986 | 1962324.8448775678 | -0.02252498861299183 | 1918123.5000917097 | 0.03188355237087583 | 1979280.0911606913 | 0.02235636226484688 | 1935998.2137499999 | 1881109.1359275752 | 1809400.1296932271 | 1568762.3525348501 Autres | 3947787.3108369913 | -0.12068929374195082 | 3471331.6484486395 | -0.03485409105268224 | 3350341.539099553 | -0.1313813060135012 | 2910169.29210137 | -0.21627928532546134 | 3713273.41183 | 2316107.008951261 | 2151870.224273834 | 2359671.6640074262 Portefeuille brut | 43462043.902329996 | -0.016204386320456395 | 42757768.152660005 | -0.03630341666753802 | 41205515.07964 | 0.12254480379217524 | 46255036.84023 | 0.09075173289055428 | 42406567.365839995 | -0.1731006341135394 | 51283831.03834999 | -0.03144275000816264 | 52948683.249010004 | 0.2672859755683287 | 41781164.05436 Provisions pour créances douteuses | 1148772.95656 | 0.02039804631210088 | 1172205.68053 | 0.1359059166629954 | 1331515.36806 | -0.017457199238989557 | 1308270.83899 | 0.11066771467283087 | 1177913.8096 | -0.10607272697514876 | 1317684.16195 | 0.8072705915409105 | 729101.75605 | -0.21620950550054593 | 930225.31042 Portefeuille de crédit improductif | 233856.58362999998 | 1.2050921078017809 | 515675.30692000006 | -0.3737139185334254 | 322960.26728000003 | -0.38327628349614495 | 199177.25632 | -0.14854413924904689 | 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 | 0.02034751873104714 | 3769686.9529872 | 0.014618968541794324 | 4331604.562382285 | 0.016414899887194807 | 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 | 0.42740243358399055 | 113812350.97529188 | 0.44136799668656623 | 113306819.10221717 | 0.4293836303183855 | 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 | 0.06724665420286816 | 15064257.162761306 | 0.05841967895859259 | 14079500.500395916 | 0.05335519155714457 | 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 | 2324.133210000763 | 9.103903472770024e-06 | 20700.024459996035 | 8.027536773451612e-05 | 1098.8933799990862 | 4.164328613012981e-06 | 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 | 0.003990758768996936 | 1065540.55934704 | 0.004132200925797458 | 979823.03272437 | 0.003713103714271754 | 1556559.984165771 | 0.0064710801889494565 | 1924732.049203826 | 0.008282570901268833 | 1004094.24451486 | 0.004591053733040759 | 781780.364158288 | 0.004306783188053515 123789528.15481214 | 0.5040026725000571 | 132494477.06978783 | 0.5189964691903756 | 133732535.67484741 | 0.5186191204804851 | 132698846.09109974 | 0.5028709898056096 | 122953118.97092238 | 0.5111524775376387 | 120296885.68822795 | 0.5176655552271454 | 113952377.35382092 | 0.5210282703013603 | 95093718.23062791 | 0.5238658397440188 Bons B.R.H. | 2200000 | 0.008957186411708788 | 3000000 | 0.011751353279058005 | 5500000 | 0.021329178783971506 | 2500000 | 0.009473914141280121 | 3150000 | 0.013095481576391302 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 13550000 | 0.055168125399388215 | 14273000 | 0.0559090217839983 | 11991000 | 0.04650148778156406 | 15694650 | 0.05947590663097682 | 10198000 | 0 | 5500000 | 0 | 6200000 | 0 | 6800000 | 0 Autres Placements | 54295891.087898254 | 0.22106291721097387 | 55170568.55409475 | 0.21610961389521857 | 57696686.47012831 | 0.22374962562983938 | 58946195.05155352 | 0.22338047634942768 | 54675675.03273854 | 0.22730295081523344 | 47903911.75169052 | 0.20614170460538994 | 40211051.13067739 | 0.18385833542167773 | 33002607.99476046 | 0.1818094746173193 Portefeuille net | 42313270.945769995 | 0.17227629797745603 | 41585562.47213001 | 0.16289554530611217 | 39873999.71158 | 0.1546326670327851 | 44946766.00124 | 0.17032872080958247 | 41228653.55623999 | 0.1713997057349716 | 49966146.876399994 | 0.21501598330956523 | 52219581.492960006 | 0.2387653408639094 | 40850938.74394 | 0.22504547858275806 Immobilisations | 4597332.87228 | 0.018717803424403885 | 4611075.650149999 | 0.018062126320458238 | 4606738.96606 | 0.017865083457851233 | 4707812.262089999 | 0.01784056366572256 | 4441006.01866 | 0.018462575396192036 | 4103023.9034900004 | 0.01765626878001756 | 3322659.201209999 | 0.015192305914180184 | 3053038.18846 | 0.016819012276806992 Autres actifs | 4866817.721940225 | 0.019814997076012045 | 4155062.78424568 | 0.016275870224779117 | 4461756.523686905 | 0.01730283683350349 | 4388214.931393123 | 0.016629428597400756 | 3894528.562856447 | 0.016190706997973425 | 4613439.317212492 | 0.01985270534634675 | 2801038.017682816 | 0.012807279911942032 | 2722733.8798898105 | 0.014999384785109456 245612840.78270063 | 1 | 255289746.53040826 | 1 | 257862717.34630266 | 1 | 263882484.33737636 | 1 | 240540982.14141735 | 1 | 232383407.53702095 | 1 | 218706707.19635114 | 1 | 181523037.03767818 | 1 0 PASSIF | 0 Dépôts | 0 À vue | 95428918.26308471 | 0.38853391361371403 | 103836058.8872599 | 0.40673807036308723 | 102155345.16340081 | 0.3961617492233627 | 107561834.10319255 | 0.40761263246890495 | 95623175.63199863 | 0.3975338205602755 | 91967749.65621388 | 0.3957586758493612 | 84937062.30569333 | 0 | 70871141.36605118 | 0.3904250530545094 Épargne | 75916728.60751504 | 0.3090910408657352 | 79737256.82406862 | 0.31234022481420304 | 82841669.47830741 | 0.32126268710281713 | 82114904.99502163 | 0.31117982385688364 | 72402671.61776856 | 0.3009993181752373 | 74653581.77466455 | 0.3212517733770278 | 74716884.21933973 | 0.34163051136909206 | 61506483.11393759 | 0.3388356878425898 À terme | 34174337.70227584 | 0.13913905149816932 | 32546246.891825374 | 0.1274874817110945 | 32240092.02246976 | 0.12502812486526382 | 33390636.20723359 | 0.12653600822002015 | 34158161.836871475 | 0.14200558064068028 | 26741316.598868273 | 0.11507412203949251 | 27493980.195673734 | 0.1257116461956062 | 24309007.97476168 | 0.1339169307183635 205519984.5728756 | 0.8367640059776186 | 216119562.60315388 | 0.8465657768883847 | 217237106.66417798 | 0.8424525611914436 | 223067375.30544776 | 0.8453284645458087 | 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 | 0.040588564877044264 | 13060722.28163989 | 0.050649905562345 | 11921639.450000001 | 0.04517783542903919 | 10546934.192636255 | 0.04384672457367605 | 8639401.288551684 | 0.037177358659633834 | 6191811.12495716 | 0.028311025319393876 | 4083656.0309415725 | 0.022496626861162203 12010035.150317037 | 0.04889823802389304 | 10361844.439493662 | 0.040588564877044264 | 13060722.28163989 | 0.050649905562345 | 11921639.450000001 | 0.04517783542903919 | 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 | 0.008919499425797634 | 1630364.56971 | 0.006322606798254067 | 1368880.0102300001 | 0.00518746067465347 | 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 | 0.00851005713987583 | 2262451.8426960637 | 0.008773861789634567 | 2674519.8245152645 | 0.010135268474643678 | 3281025.2349745804 | 0.013640192227391924 | 5253648.940368953 | 0.022607676666984048 | 2257564.6161708888 | 0.010322338281761455 | 1622216.4417192084 | 0.008936697337112588 4782608.7471908685 | 0.019472144583117107 | 4449587.077788192 | 0.017429556565673465 | 3892816.4124060636 | 0.015096468587888634 | 4043399.8347452646 | 0.015322729149297148 | 5156882.33832458 | 0.02143868496925309 | 8627206.755238954 | 0.03712488273873235 | 6728498.142560888 | 0.030764937339210898 | 5590750.6796292085 | 0.030799124843139077 Autres passifs | 2297012.42495168 | 0.009352167491047017 | 2293960.698313648 | 0.008985714191386092 | 2590155.4791543037 | 0.010044707144211913 | 2361299.608663739 | 0.008948299901727446 | 2397051.727261207 | 0.009965252930795582 | 2348766.46 | 0.010107289865890354 | 2172099.241515755 | 0.009931562087694374 | 1834504.3993485821 | 0.010106179520166356 224609640.89533517 | 0.9144865560756757 | 233224954.8187494 | 0.9135696125224886 | 236780800.83737826 | 0.9182436424858893 | 241393714.19885674 | 0.9147773290258724 | 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 | 0.04906973417558654 | 12520625 | 0.048555390747647864 | 12520625 | 0.047447730498066165 | 12531625 | 0.052097671209442746 | 12561550 | 0.05405527930387553 | 6300687.5 | 0.028808844414375232 | 6301937.5 | 0.03471701224727706 Réserves | 2116731.10039 | 0.00861816138620668 | 2545510.76168 | 0.009971065412048568 | 2548783.7899599997 | 0.009884266388680967 | 2718249.43779 | 0.010300984715282168 | 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 | 0.0273895879026114 | 6012507.7 | 0.023316700304237332 | 7249895.7027199995 | 0.027473955768321994 | 5611021.728 | 0.023326676718652472 | 6071914.87697 | 0.02612886583136399 | 7602288.901760001 | 0.03476020008355206 | 5249530.83167 | 0.02891936427099537 21003199.882400002 | 0.08551344390410769 | 22064791.71491 | 0.08643038749024651 | 21081916.48996 | 0.08175635744056615 | 22488770.14051 | 0.08522267098167033 | 20256104.8001 | 0.084210618164813 | 19405385.00992 | 0.08350589749755921 | 16466371.96907 | 0.07528974387734151 | 13327493.47487 | 0.0734203971703253 245612840.77773517 | 0.9999999999797834 | 255289746.5336594 | 1.0000000000127351 | 257862717.32733828 | 0.9999999999264555 | 263882484.33936673 | 1.0000000000075426 | 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) Septembre 25 | Septembre 24 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 1062278.739882285 | 3269325.8225 | 4331604.562382285 | 0.2452390850973838 | 2077109.78270603 | 14617813.33203 | 16694923.11473603 | 0.12441565429388753 Avoirs à la BRH | 77789354.91989717 | 35517464.18232 | 113306819.10221717 | 0.6865372758343986 | 72050064.95585957 | 18912228.26409 | 90962293.21994957 | 0.7920871649710979 Avoirs à l'étranger | 14079500.500395916 | 0 | 14079500.500395916 | 1 | 13738031.268970974 | 0 | 13738031.268970974 | 1 Avoirs dans les banques locales | 0 | 1098.8933799990862 | 1098.8933799990862 | 0 | 9.404042061578365e-09 | 1311.3831000019838 | 1311.3831000113878 | 0 Autres liquidités | 453203.63074437 | 526619.40198 | 979823.03272437 | 0.46253620869092066 | 848447.298205771 | 708112.68596 | 1556559.984165771 | 0.5450784465980547 93384337.79091975 | 39314508.300179996 | 132698846.09109974 | 0.7037313476472132 | 88713653.30574238 | 34239465.665180005 | 122953118.97092238 | 0.7215242203552606 Bons B.R.H. | 0 | 2500000 | 2500000 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 15694650 | 15694650 | 0 | 0 | 10198000 | 10198000 | 0 Autres Placements | 45254150.094933525 | 13692044.95662 | 58946195.051553525 | 0.7677196137147593 | 41801281.50658852 | 16024393.526150003 | 57825675.03273852 | 0.7228844537123406 Portefeuille net | 29822534.73142 | 15124231.269820001 | 44946766.00124 | 0.663507909125147 | 28283216.497599997 | 12945437.05864 | 41228653.55623999 | 0.6860087356240938 Immobilisations | 0 | 4707812.262089999 | 4707812.262089999 | 0 | 0 | 4441006.01866 | 4441006.01866 | 0 Autres actifs | 671525.495793123 | 3716689.4355999995 | 4388214.931393122 | 0.15302930833880884 | 731750.7497264469 | 3162777.8131299997 | 3894528.5628564465 | 0.1878919971740414 169132548.11306643 | 94749936.22431 | 263882484.33737642 | 0.6409388957276481 | 159529902.05965734 | 81011080.08176 | 240540982.14141732 | 0.6632129820018259 | 0 0 PASSIF | 0 Dépôts | 0 À vue | 78720018.13710256 | 28841815.966089997 | 107561834.10319255 | 0.7318582729035676 | 72274610.72313863 | 23348564.90886 | 95623175.63199863 | 0.7558273425396802 | 0 Épargne | 55244420.55464163 | 26870484.44038 | 82114904.99502163 | 0.6727697067662798 | 50061440.356598556 | 22341231.26117 | 72402671.61776856 | 0.6914308441667065 À terme | 25275221.07772359 | 8115415.12951 | 33390636.20723359 | 0.7569553608040593 | 27440144.74803148 | 6718017.08884 | 34158161.836871475 | 0.8033261531775887 159239659.76946777 | 63827715.53598 | 223067375.30544776 | 0.7138635111988912 | 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 | 6564731.3 | 5356908.08091 | 11921639.38091 | 0.5506567587098833 | 5403138.198286254 | 5143795.99435 | 10546934.192636255 | 0.5122946725180727 6564731.3 | 5356908.08091 | 11921639.38091 | 0.5506567587098833 | 5403138.198286254 | 5143795.99435 | 10546934.192636255 | 0.5122946725180727 Obligations à terme Banques locales | 0 | 1368880.0102300001 | 1368880.0102300001 | 0 | 0 | 1875857.10335 | 1875857.10335 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1361743.005135264 | 1312776.8193799998 | 2674519.8245152635 | 0.5091542013086665 | 2109651.12055458 | 1171374.11442 | 3281025.23497458 | 0.6429853382614793 1361743.005135264 | 2681656.82961 | 4043399.8347452637 | 0.3367816839269012 | 2109651.12055458 | 3047231.21777 | 5156882.33832458 | 0.40909429033821715 Autres passifs | 1897156.647303739 | 464142.96135999996 | 2361299.608663739 | 0.8034374970219645 | 2097899.182221207 | 299152.54504 | 2397051.727261207 | 0.8751997958000672 169063290.72190678 | 72330423.40786 | 241393714.12976676 | 0.7003632689085802 | 159386884.3288307 | 60897993.01603 | 220284877.34486067 | 0.723548916520979 AVOIR DES ACTIONNAIRES Capital versé | 0 | 12520625 | 12520625 | 0 | 0 | 12531625 | 12531625 | 0 Réserves | 0 | 2718249.43779 | 2718249.43779 | 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 | 7249895.7027199995 | 7249895.7027199995 | 0 | 0 | 5611021.728 | 5611021.728 | 0 0 | 22488770.14051 | 22488770.14051 | 0 | 0 | 20256104.8001 | 20256104.8001 | 0 0 | 0 169063290.72190678 | 94819193.54837 | 263882484.27027678 | 0.6406764404595601 | 159386884.3288307 | 81154097.81613 | 240540982.1449607 | 0.6626184149891642 *Converties au taux de 130.6911 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 | -0.04986375774725233 | 1250457.79889 | 0.192763279851561 | 1491500.14552 | 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 | -0.02485548473788512 | 56668.64287000001 | -0.1269548165553239 | 49474.28571 | 0 | 0 | 468 | 45.73931623931624 | 21874 | 0.7478627594404316 | 38232.75 Autres | 933424.3670300001 | 0.07139656752485225 | 1000067.66288 | 0.014845210550299965 | 1014913.8779 | 0.01716401602079239 | 1032333.8759600001 | 756655.2505900001 | 0.08579927889138196 | 821575.72546 | 0.06789230000529727 | 877354.39109 | 0.07268272894921718 | 941122.90249 2340127.1447 | 0.014587332879460247 | 2374263.35834 | -0.021995470088251815 | 2322040.31966 | 0.10821000195500112 | 2573308.30719 | 2387229.4343 | -0.03366879884487019 | 2306854.28668 | 0.006009189996976563 | 2320716.612384 | 0.001657326635865808 | 2324562.79784 Dépenses d'intérêt | 324294.84391 | -0.0011951157944020373 | 323907.27402 | -0.08853182194429327 | 295231.17290999996 | 0.011603138368604207 | 298656.78106 | 322108.39846 | -0.27958881935574104 | 232050.49163 | 0.22457468925811466 | 284163.15868 | 0.1884096149856325 | 337702.23 2015832.30079 | 0.017126317261842716 | 2050356.08432 | -0.01148431618784362 | 2026809.14675 | 0.12228205096538898 | 2274651.52613 | 2065121.0358399998 | 0.0046887126913902795 | 2074803.7950499998 | -0.018435642655588103 | 2036553.453704 | -0.02440048198765441 | 1986860.5678400001 AUTRES REVENUS Commissions | 667437.9279000002 | -0.07788107092377941 | 615457.1473 | 0.135090269833966 | 698599.4193999999 | 0.4489603395023953 | 1012242.8519100001 | 660580.3835099998 | -0.12739928755199842 | 576422.91328 | -0.024593860884766006 | 562246.4483400001 | 0.6157739877631679 | 908463.18594 Gains sur change | 396445.88928999996 | 0.11413021287982701 | 441692.34303 | -0.22405774241207127 | 342727.75381 | 0.25842632881462235 | 431297.62901000003 | 538623.91848 | -0.31580684259255765 | 368522.79944000003 | 0.13205114930188472 | 417186.65865 | -0.04228382956224716 | 399546.40908 Autres | 408018.70681 | 0.5450107204607949 | 630393.27617 | -0.3307142311489035 | 421913.24852 | 0.6306670326504017 | 688000.0249999999 | 313443.26896 | 0.6016739996546774 | 502033.93426 | -0.9548666855291393 | 22658.455429999958 | 27.421718197849867 | 643992.23503 1471902.5240000002 | 0.14650443149861714 | 1687542.7665 | -0.13291653949322288 | 1463240.42173 | 0.4567260952235475 | 2131540.50592 | 1512647.5709499998 | -0.043412573577041445 | 1446979.64698 | -0.30745980808266965 | 1002091.5624200001 | 0.9479276178476296 | 1952001.83005 0 PRODUIT NET BANCAIRE | 3487734.82479 | 0.07172679076743241 | 3737898.85082 | -0.06630711322903457 | 3490049.56848 | 0.2625012755818831 | 4406192.0320500005 | 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 | 1.003684207043417 | 236181.65165999997 | -0.3331359853612431 | 157501.04441 | 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 | -0.10114770684532805 | 3253867.91682 | 0.30573554190000435 | 4248690.987640001 | 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 | -0.09835286232537611 | 1061253.02899 | -0.051631104150673235 | 1006459.3633199999 | 1019987.8171300001 | -0.036831876007801356 | 982419.75232 | 0.08207774983104693 | 1063054.55498 | -0.07006999880772953 | 988566.32358 Frais de locaux | 91475.30219 | 0.06934803524151113 | 97818.93467 | -0.08324450871879452 | 89676.04551 | -0.12237500803685909 | 78701.93872 | 91346.85015 | -0.024366909163752934 | 89121.00975 | 0.12892433021384164 | 100610.87624 | -0.10116314577880071 | 90432.7635 Amortissement | 193117.06337 | -0.04164969723358724 | 185073.79615 | 0.019640036005172615 | 188708.65217 | 0.024164174125371328 | 193268.6409 | 185919.64401 | 0.018611814520330613 | 189379.94594 | 0.02856080686449056 | 194788.79 | 0.027718876173521013 | 200188.11635 Autres dépenses d'exploitation | 911380.4316700001 | 0.036512199081370024 | 944656.9354300001 | -0.18502733784560463 | 769869.5774899999 | 0.5809798640936813 | 1217148.29999 | 979260.2081899999 | 0.07010484157922621 | 1047911.0899499999 | -0.06449956644053167 | 980321.27898 | -0.0911544148495658 | 890960.6664300001 2424621.44549 | -0.008271751550043073 | 2404565.5792900003 | -0.12270751842714256 | 2109507.30416 | 0.18301474377863428 | 2495578.2429299997 | 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 | -0.05849554331330802 | 1144360.61266 | 0.5319583052015325 | 1753112.7447100012 | 1046739.2340399995 | -0.0569814571388475 | 987094.5072399992 | -0.6367687768757638 | 358543.5452040001 | 3.262408952475963 | 1528259.21693 Impôts sur le revenu | 177584.99439 | 0.3592082177839236 | 241374.98372999998 | -0.03383574894047696 | 233207.88038 | 0.4847641510903904 | 346258.70054 | 224616.16437 | -0.304156857818398 | 156297.6176 | 0.2679156007173844 | 198172.18771000003 | 0.46853070323810464 | 291021.94218 BÉNÉFICE NET (PERTE NETTE) | 757959.1453399999 | 0.2851412948821296 | 974084.5975099998 | -0.06460615986626726 | 911152.7322800001 | 0.544037562889808 | 1406854.044170001 | 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- sept. 25) | 2024 (oct.23-sept. 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 | 1250457.79889 | -0.12031786112748001 | 1421488.221294 | 1491500.14552 | 0.10875128092776908 | 1345207.14535 | 5400086.59611 | -0.08194269821582244 | 5882080.111574 | 5882080.111574 Intérêts sur Bons B.R.H. | 64656.75 | 0 | 0 | 58113.07143 | 123.17322955128206 | 468 | 56668.64287000001 | 1.5906849625125725 | 21874 | 49474.28571 | 0.2940289597269356 | 38232.75 | 228912.75001000002 | 2.779012707605067 | 60574.75 | 60574.75 Autres | 933424.3670300001 | 0.23361909707514053 | 756655.2505900001 | 1000067.66288 | 0.21725561246355277 | 821575.72546 | 1014913.8779 | 0.15678896487780716 | 877354.39109 | 1032333.8759600001 | 0.0969171754599493 | 941122.90249 | 3980739.7837699996 | 0.17194043991408706 | 3396708.26963 | 3396708.26963 2340127.1447 | -0.019730943713758057 | 2387229.4343 | 2374263.35834 | 0.029221209180495884 | 2306854.28668 | 2322040.31966 | 0.0005703872971548957 | 2320716.612384 | 2573308.30719 | 0.10700743794968069 | 2324562.79784 | 9609739.129889999 | 0.02895015376183824 | 9339363.131204 | 9339363.131204 Dépenses d'intérêt | 324294.84391 | 0.006787918168086871 | 322108.39846 | 323907.27402 | 0.39584825588934264 | 232050.49163 | 295231.17290999996 | 0.038949504507950004 | 284163.15868 | 298656.78106 | -0.11562093901482373 | 337702.23 | 1242090.0718999999 | 0.05617723572773335 | 1176024.27877 | 1176024.27877 2015832.30079 | -0.023867237897729956 | 2065121.0358399998 | 2050356.08432 | -0.01178314344147938 | 2074803.7950499998 | 2026809.14675 | -0.00478470473548208 | 2036553.453704 | 2274651.52613 | 0.14484708335767602 | 1986860.5678400001 | 8367649.057989999 | 0.02502777469479674 | 8163338.852434 | 8163338.852434 AUTRES REVENUS Commissions | 667437.9279000002 | 0.010381089964498762 | 660580.3835099998 | 615457.1473 | 0.06771804715028551 | 576422.91328 | 698599.4193999999 | 0.2425145974022139 | 562246.4483400001 | 1012242.8519100001 | 0.11423651236083691 | 908463.18594 | 2993737.3465100005 | 0.10563321250121337 | 2707712.93107 | 2707712.93107 Gains sur change | 396445.88928999996 | -0.2639653092109747 | 538623.91848 | 441692.34303 | 0.19854821384507812 | 368522.79944000003 | 342727.75381 | -0.17847863371505246 | 417186.65865 | 431297.62901000003 | 0.0794681649200921 | 399546.40908 | 1612163.6151400001 | -0.0648050817927983 | 1723879.78565 | 1723879.78565 Autres | 408018.70681 | 0.3017306390524826 | 313443.26896 | 630393.27617 | 0.25567861682338694 | 502033.93426 | 421913.24852 | 17.62056528184105 | 22658.455429999958 | 688000.0249999999 | 0.0683359015469338 | 643992.23503 | 2148325.2565 | 0.4494870959926998 | 1482127.89368 | 1482127.89368 1471902.5240000002 | -0.02693624591246341 | 1512647.5709499998 | 1687542.7665 | 0.16625190272861176 | 1446979.64698 | 1463240.42173 | 0.46018635083240195 | 1002091.5624200001 | 2131540.50592 | 0.09197669444059951 | 1952001.83005 | 6754226.218150001 | 0.14212805492905256 | 5913720.6104 | 5913720.6104 PRODUIT NET BANCAIRE | 3487734.82479 | -0.025164786182407316 | 3577768.6067899996 | 3737898.85082 | 0.06136533161318648 | 3521783.4420299996 | 3490049.56848 | 0.14855455308557153 | 3038645.016124 | 4406192.0320500005 | 0.11864583906519381 | 3938862.39789 | 15121875.27614 | 0.07422116927647454 | 14077059.462834 | 14077059.462834 Dotation à la provision pour créances douteuses | 127569.23956999999 | -0.49877487332863363 | 254514.85327000002 | 117873.69029 | -0.4781050891532282 | 225857.13683 | 236181.65165999997 | -0.3080466418602911 | 341325.97072000004 | 157501.04441 | -0.34498829038341 | 240455.3111 | 639125.62593 | -0.3982736363701208 | 1062153.2719200002 | 1062153.2719200002 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 3360165.58522 | 0.011107136089413234 | 3323253.75352 | 3620025.16053 | 0.0983331620062828 | 3295926.3051999994 | 3253867.91682 | 0.2063340902754206 | 2697319.0454039997 | 4248690.987640001 | 0.14878943500176312 | 3698407.08679 | 14482749.65021 | 0.1127817164230299 | 13014906.190914001 | 13014906.190914001 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1228648.64826 | 0.2045718856889106 | 1019987.8171300001 | 1177015.91304 | 0.19807842855404534 | 982419.75232 | 1061253.02899 | -0.0016946693672121916 | 1063054.55498 | 1006459.3633199999 | 0.01809998915925232 | 988566.32358 | 4473376.95361 | 0.1034399513910283 | 4054028.44801 | 4054028.44801 Frais de locaux | 91475.30219 | 0.0014062010872742039 | 91346.85015 | 97818.93467 | 0.09759679501387163 | 89121.00975 | 89676.04551 | -0.10868438024449514 | 100610.87624 | 78701.93872 | -0.1297187471219985 | 90432.7635 | 357672.22109 | -0.037251279067836256 | 371511.49964 | 371511.49964 Amortissement | 193117.06337 | 0.03871252765314501 | 185919.64401 | 185073.79615 | -0.022738150909411944 | 189379.94594 | 188708.65217 | -0.03121400276679177 | 194788.79 | 193268.6409 | -0.03456486616769147 | 200188.11635 | 760168.15259 | -0.013123006814507739 | 770276.4963 | 770276.4963 Autres dépenses d'exploitation | 911380.4316700001 | -0.06931740506996026 | 979260.2081899999 | 944656.9354300001 | -0.09853331595615286 | 1047911.0899499999 | 769869.5774899999 | -0.21467625563424453 | 980321.27898 | 1217148.29999 | 0.36610778213925493 | 890960.6664300001 | 3843055.2445799997 | -0.014210250965984059 | 3898453.24355 | 3898453.24355 2424621.44549 | 0.06505863447944539 | 2276514.5194800003 | 2404565.5792900003 | 0.041464164437871584 | 2308831.79796 | 2109507.30416 | -0.0980291592845889 | 2338775.5001999997 | 2495578.2429299997 | 0.1499576953210077 | 2170147.86986 | 9434272.57187 | 0.03738649677800191 | 9094269.6875 | 9094269.6875 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 935544.1397299999 | -0.10622998612637315 | 1046739.2340399995 | 1215459.5812399997 | 0.2313507696831672 | 987094.5072399992 | 1144360.61266 | 2.1916921332634636 | 358543.5452040001 | 1753112.7447100012 | 0.1471304902264497 | 1528259.21693 | 5048477.078340001 | 0.2876677228159005 | 3920636.5034140013 | 3920636.5034140013 Impôts sur le revenu | 177584.99439 | -0.20938461892051408 | 224616.16437 | 241374.98372999998 | 0.5443292574537616 | 156297.6176 | 233207.88038 | 0.17679419637467125 | 198172.18771000003 | 346258.70054 | 0.18980272740340481 | 291021.94218 | 998426.55904 | 0.14747440568112688 | 870107.9118600001 | 870107.9118600001 BÉNÉFICE NET (PERTE NETTE) | 757959.1453399999 | -0.07804661698126902 | 822123.0696699995 | 974084.5975099998 | 0.17247020259318727 | 830796.8896399993 | 911152.7322800001 | 4.681517862777266 | 160371.35749400005 | 1406854.044170001 | 0.13709316141826897 | 1237237.27475 | 4050050.5193000017 | 0.3276553219377708 | 3050528.591554001 | 3050528.591554001 [UNIBKVARAN ] UNIBANK (UNIBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 5400086.59611 | -0.08194269821582244 | 5882080.111574 | 5882080.111574 | -0.0023779637595377147 | 5896100.82566 | 0.6069468825982995 | 3669132.37115 | 0.2527335499592418 | 2928900.85946 Intérêts sur Bons B.R.H. | 228912.75001000002 | 2.779012707605067 | 60574.75 | 60574.75 | 0 | 0 | 0 | 0 | 0 | 6070 Autres | 3980739.7837699996 | 0.17194043991408706 | 3396708.26963 | 3396708.26963 | 0.3946194413108697 | 2435580.75344 | 1.2553549290930437 | 1079910.18266 | 0.16670824884127314 | 925604.30916 9609739.129889999 | 0.02895015376183824 | 9339363.131204 | 9339363.131204 | 0.12094575897280645 | 8331681.5791 | 0.7543918557680149 | 4749042.55381 | 0.2301386053590538 | 3860575.1686199997 Dépenses d'intérêt | 1242090.0718999999 | 0.05617723572773335 | 1176024.27877 | 1176024.27877 | 0.06816352641038065 | 1100977.7526500002 | 0.3053190799927057 | 843454.8835799999 | 0.17727536132105284 | 716446.56067 8367649.057989999 | 0.02502777469479674 | 8163338.852434 | 8163338.852434 | 0.12898260644730192 | 7230703.82645 | 0.8513740919363828 | 3905587.6702300003 | 0.24218445147397416 | 3144128.6079499996 AUTRES REVENUS Commissions | 2993737.3465100005 | 0.10563321250121337 | 2707712.93107 | 2707712.93107 | 0.029393823026415963 | 2630395.5497900005 | 0.27368200922791636 | 2065190.1579300002 | 0.2715738861321544 | 1624121.2409700002 Gains sur change | 1612163.6151400001 | -0.0648050817927983 | 1723879.78565 | 1723879.78565 | -0.36679732130249887 | 2722477.08932 | -0.0388297780549785 | 2832460.91812 | 0.2501682034465221 | 2265663.86052 Autres | 2148325.2565 | 0.4494870959926998 | 1482127.89368 | 1482127.89368 | -0.4705983193926729 | 2799628.2368799997 | 0.2525492928015777 | 2235144.15997 | -0.057890349172199214 | 2372488.33828 6754226.218150001 | 0.14212805492905256 | 5913720.6104 | 5913720.6104 | -0.2746126985626523 | 8152500.875990001 | 0.14296017286751403 | 7132795.236020001 | 0.13901050546939595 | 6262273.43977 PRODUIT NET BANCAIRE | 15121875.27614 | 0.07422116927647454 | 14077059.462834 | 14077059.462834 | -0.08490722608656613 | 15383204.702440001 | 0.39361035335437916 | 11038382.90625 | 0.1734968216594115 | 9406402.04772 Dotation à la provision pour créances douteuses | 639125.62593 | -0.3982736363701208 | 1062153.2719200002 | 1062153.2719200002 | 1.0371129732277582 | 521401.26045 | 3.7968290200286745 | -186425.86183 | -58.90937034940303 | -3111.7980499999976 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 14482749.65021 | 0.1127817164230299 | 13014906.190914001 | 13014906.190914001 | -0.12427140880210023 | 14861803.441990001 | 0.3240139541844603 | 11224808.76808 | 0.19292122335587583 | 9409513.84577 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 4473376.95361 | 0.1034399513910283 | 4054028.44801 | 4054028.44801 | 0.05510592143531269 | 3842295.22899 | 0.2969862958212676 | 2962479.43511 | 0.34269215937793973 | 2206372.78204 Frais de locaux | 357672.22109 | -0.037251279067836256 | 371511.49964 | 371511.49964 | -0.07680041489773225 | 402417.31651000003 | 0.40340510372852617 | 286743.51791999995 | -0.15228925644838956 | 338256.32162999996 Amortissement | 760168.15259 | -0.013123006814507739 | 770276.4963 | 770276.4963 | 0.2980467808954709 | 593411.96915 | 0.12983185285600465 | 525221.4899500001 | 0.1312687781199653 | 464276.48328 Autres dépenses d'exploitation | 3843055.2445799997 | -0.014210250965984059 | 3898453.24355 | 3898453.24355 | 0.06558198374172401 | 3658520.2293499997 | 0.4346193216755654 | 2550167.96029 | 0.30674324416875764 | 1951544.7825500001 9434272.57187 | 0.03738649677800191 | 9094269.6875 | 9094269.6875 | 0.07033658126309453 | 8496644.743999999 | 0.3434253677912339 | 6324612.40327 | 0.2750076973167062 | 4960450.3695 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 5048477.078340001 | 0.2876677228159005 | 3920636.5034140013 | 3920636.5034140013 | -0.38404732867822056 | 6365158.697990002 | 0.2989599240757782 | 4900196.36481 | 0.1013995172121529 | 4449063.4762699995 Impôts sur le revenu | 998426.55904 | 0.14747440568112688 | 870107.9118600001 | 870107.9118600001 | -0.17221588511279878 | 1051129.0277399998 | 1.4514879746382214 | 428771.84739000007 | 0.14566598283601573 | 374255.54552000004 BÉNÉFICE NET (PERTE NETTE) | 4050050.5193000017 | 0.3276553219377708 | 3050528.591554001 | 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 4 2025 | Trim 3 2025 Juillet | Nombre de jours de dépassement | Août | Nombre de jours de dépassement | Septembre | Nombre de jours de dépassement | Avril | Nombre de jours de dépassement | Mai | Nombre de jours de dépassement | juin | Nombre de jours de dépassement BNC | 0.004 | 0 | 0 | 0 | 0.0018 | 0 | BNC | BNC | 0.0038 | 0 | 0.002 | 0 | 0.0027 | 0 BPH | 0.0402 | 0 | 0.036 | 0 | 0.0406 | 0 | BPH | BPH | 0.0449 | 0 | 0.0465 | 0 | 0.0537 | 0 BUH | 0.0036 | 0 | 0.002 | 0 | 0.0001 | 0 | BUH | BUH | 0.0019 | 0 | 0.0027 | 0 | 0.0259 | 0 CAPITALBK | 0.0016 | 0 | 0.0008 | 0 | 0 | CAPITALBK | CAPITALBK | 0.001 | 0 | 0.0006 | 0.0023 | 0 CBNA | 0 | 0 | 0 | CBNA | CBNA | 0 | 0 | 0 SCOTIA | 0 | 0 | SCOTIA | SCOTIA | 0 | 0 SOGEBK | 0.0008 | 0.0008 | 0 | 0.0031 | 0 | SOGEBK | SOGEBK | 0.0028 | 0.0011 | 0 | 0.0047 | 0 SOGEBL | 0.0003 | 0 | 0.0003 | 0 | 0.0044 | 0 | SOGEBL | SOGEBL | 0.0033 | 0 | 0.0048 | 0 | -0.0039 | 0 UNIBK | 0.0024 | 0 | 0.0027 | 0 | 0.0031 | 0 | UNIBK | UNIBK | 0.0039 | 0 | 0.0025 | 0 | 0.0022 | 0 1 Position de chaque banque le dernier jour du mois [Apparentés sept. 25] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES Au 30 SEPTEMBRE 2025 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 de base. 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 de base. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES DE BASE Moins de 5% (des fonds propres) | 5% + et 10% | 10% et plus | 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 | 68 | 389935193.2856 | 1 | 640359424.8950001 | 1 | 874758329.2996001 | 70 | 1905052947.4802003 | 0.20468470117923204 | 0.33613733714960464 | 0.4591779616711633 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 10 | 183858995.31727245 | 1 | 302454065.501605 | 2 | 937784142.9697624 | 13 | 1424097203.78864 | 0.12910565011161992 | 0.2123830204124846 | 0.6585113294758954 | 1 CAPITALBK | 10 | 657523997.9 | 2 | 931260903.28 | 0 | 0 | 12 | 1588784901.1799998 | 0.4138533777679112 | 0.5861466222320888 | 0 | 1 SOGEBK | 15 | 1091808400 | 0 | 0 | 0 | 0 | 15 | 1091808400 | 1 | 0 | 0 | 1 SOGEBL | 4 | 33437336.808825187 | 0 | 0 | 1 | 101416017.40296365 | 5 | 134853354.21178883 | 0.2479533193984292 | 0 | - | 0.2479533193984292 UNIBK | 10 | 1399771990.0000002 | 0 | 0 | 0 | 0 | 10 | 1399771990.0000002 | 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 de base (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 1905052947.4802003 | 8600898644.89 | 0.22149463982022832 BPH | 0 | 1415626910 | 0 BUH | 1424097203.78864 | 3355409560 | 0.42441829479339027 CAPITALBK | 1588784901.1799998 | 6509138000 | 0.24408529995523215 SOGEBK | 1091808400 | 10915525000 | 0.10002344367311695 SOGEBL | 134853354.21178883 | 878796467.3700001 | 0.15345231713933535 UNIBK | 1399771990.0000002 | 17841736560 | 0.07845491862816745 CBNA | 0 | 0 | #DIV/0! SCOTIABK | 0 | 0 | 0 [Apparentés juin 25] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES Au 30 JUIN 2025 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 de base. 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 de base. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES DE BASE Moins de 5% (des fonds propres) | 5% + et 10% | 10% et plus | 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 | 7 | 167693702.6 | 0 | 1 | 1024540824 | 8 | 1192234526.6 | 0.1406549624747296 | 0 | 0.8593450375252705 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 10 | 213746133.43804199 | 3 | 1505723003.590293 | 13 | 1719469137.0283349 | 0.1243093748152106 | 0 | 0.8756906251847895 | 1 CAPITALBK | 11 | 674620420.0000001 | 2 | 960064360.0000001 | 0 | 0 | 13 | 1634684780.0000002 | 0.4126914425666825 | 0.5873085574333174 | 0 | 1 SOGEBK | 15 | 786372400 | 0 | 0 | 0 | 0 | 15 | 786372400 | 1 | 0 | 0 | 1 SOGEBL | 4 | 31401908.467749998 | 1 | 89580721.9305683 | 0 | 0 | 5 | 120982630.39831829 | 0.259557164233937 | 0.7404428357660631 | - | 1 UNIBK | 10 | 1328709920 | 0 | 0 | 0 | 0 | 10 | 1328709920 | 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 de base (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 1192234526.6 | 8503345735.890001 | 0.1402076974911117 BPH | 0 | 900858130.9699999 | 0 BUH | 1719469137.0283349 | 2674175670 | 0.642990345143756 CAPITALBK | 1634684780.0000002 | 6364855000 | 0.2568298539401134 SOGEBK | 786372400 | 10349118000 | 0.07598448486141525 SOGEBL | 120982630.39831829 | 900858130.9699999 | 0.1342970954461499 UNIBK | 1328709920 | 18740300667.14 | 0.07090120610123474 CBNA | 0 | 0 | #DIV/0! SCOTIABK | 0 | 0 | 0 [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. 25] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2025 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 25% 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 de base. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES DE BASE 5% et 10% (des fonds propres) | 10% + et 25% | 25% et plus | 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 25% | 25% et plus | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 0 | 0 | 2 | 2561328940 | 2 | 2561328940 | 0 | 1 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 5 | 1369454286.2897508 | 11 | 5782196166.595792 | 0 | 16 | 7151650452.885543 | 0.1914878663759642 | 0.8085121336240357 | 0 | 1 CAPITALBK | 3 | 1478421914.6707 | 3 | 2906131521.16 | 0 | 0 | 6 | 4384553435.8307 | 0.33718870947928076 | 0.6628112905207193 | 0 | 1 SOGEBK | 7 | 12025580200 | 7 | 12025580200 | 0 | 1 | 0 | 1 SOGEBL | 1 | 81681421.592 | 3 | 438824335.39360845 | 0 | 0 | 4 | 520505756.98560846 | 0.15692702817551818 | 0.8430729718244818 | 0 | 1 UNIBK | 6 | 17645073490 | 0 | 0 | 6 | 17645073490 | 0 | 1 | 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 25] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2025 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 25% 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 de base. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES DE BASE 5% et 10% (des fonds propres) | 10% + et 25% | 25% et plus | 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 25% | 25% et plus | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 1 | 551162493.4814999 | 4 | 5039380586.62269 | 5 | 5590543080.10419 | 0.09858836352464491 | 0.9014116364753552 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 4 | 838687093.3410821 | 13 | 6357231547.355824 | 2 | 1688075961.0353699 | 19 | 8883994601.732277 | 0.09440427768580001 | 0.7155825540592109 | 0.1900131682549891 | 1 CAPITALBK | 3 | 1329943650 | 5 | 4117388489.9999995 | 0 | 0 | 8 | 5447332140 | 0.2441458710098041 | 0.7558541289901959 | 0 | 1 SOGEBK | 1 | 868186000 | 6 | 10608940800 | 7 | 11477126800 | 0.07564489049646118 | 0.9243551095035388 | 0 | 1 SOGEBL | 1 | 51596794.19499999 | 5 | 760104809.561291 | 0 | 0 | 6 | 811701603.7562909 | 0.0635662094989425 | 0.9364337905010576 | 0 | 1 UNIBK | 5 | 13090780330 | 0 | 0 | 5 | 13090780330 | 0 | 1 | 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 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 | 0.3739561257895333 | 0.3739561257895333 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés sept. 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 1 | 320369000 | 6 | 3669300000 | 3 | 3362537000 | 10 | 7352206000 | 0.04357454075688304 | 0.4990746994847533 | 0.4573507597583637 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 577973000 | 7 | 1285049000 | 3 | 1272468000 | 16 | 3135490000 | 0.18433259235398614 | 0.40983992932524105 | 0.4058274783207728 | 1 CAPITALBK | 4 | 572627300 | 5 | 1582548240 | 0 | 0 | 9 | 2155175540 | 0.2656986817881202 | 0.7343013182118798 | 0 | 1 SOGEBK | 10 | 3558718351 | 3 | 2105115830 | 1 | 1074335019 | 14 | 6738169200 | 0.5281432159643602 | 0.3124165878767188 | 0.15944019615892102 | 1 SOGEBL | 7 | 271337489 | 0 | 0 | 0 | 0 | 7 | 271337489 | 1 | 0 | 0 | 1 UNIBK | 4 | 4593110000 | 1 | 1685502000 | 0 | 0 | 5 | 6278612000 | 0.7315486289007825 | 0.26845137109921746 | 0 | 1 CBNA | 1 | 40623000 | 4 | 408402000 | 0 | 0 | 5 | 449025000 | 0.09046935025889427 | 0.9095306497411058 | 0 | 1 [Non apparentés juin 17] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 454025000 | 5 | 2837413500 | 3 | 3371018000 | 10 | 6662456500 | 0.0681467863992808 | 0.42588097948556963 | 0.5059722341151496 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 550073000 | 6 | 1009142000 | 3 | 1199664000 | 15 | 2758879000 | 0.19938279279373977 | 0.36577972430106576 | 0.4348374829051945 | 1 CAPITALBK | 5 | 711931850 | 3 | 839336020 | 0 | 0 | 8 | 1551267870 | 0.4589354706353842 | 0.5410645293646158 | 0 | 1 SOGEBK | 12 | 4216569227.7999997 | 3 | 2232194985.83 | 1 | 1047560480.67 | 16 | 7496324694.299999 | 0.5624848708869513 | 0.2977719184879092 | 0.13974321062513959 | 1 SOGEBL | 8 | 303211655.82000005 | 0 | 0 | 0 | 0 | 8 | 303211655.82000005 | 1 | 0 | 0 | 1 UNIBK | 6 | 6325622000 | 1 | 1685502000 | 0 | 0 | 7 | 8011124000 | 0.7896048045193159 | 0.2103951954806841 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 3 | 337032000 | 3 | 337032000 | 0 | 0 | 1 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés mars 17] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 478322500 | 5 | 2793614000 | 3 | 3683647000 | 10 | 6955583500 | 0.0687681342622082 | 0.40163618192492406 | 0.5295956838128677 | 1 BPH | 34 | 5340000 | 31 | 9793000 | 206 | 918277000 | 271 | 933410000 | 0.005720958635540652 | 0.010491638186863222 | 0.9837874031775962 | 1 BUH | 7 | 602774000 | 6 | 1221958000 | 2 | 840903000 | 15 | 2665635000 | 0.2261277331667689 | 0.45841159798697123 | 0.3154606688462599 | 1 CAPITALBK | 6 | 955477130 | 5 | 1335216710 | 0 | 0 | 11 | 2290693840 | 0.4171125417615826 | 0.5828874582384174 | 0 | 1 SOGEBK | 14 | 4614566512 | 2 | 1567495336 | 2 | 2020358013 | 18 | 8202419861 | 0.5625859917194502 | 0.1911015727752442 | 0.24631243550530557 | 1 SOGEBL | 6 | 225565628 | 2 | 138380347 | 0 | 0 | 8 | 363945975 | 0.6197777788310477 | 0.3802222211689523 | 0 | 1 UNIBK | 7 | 3873522000 | 3 | 4370137000 | 0 | 0 | 10 | 8243659000 | 0.46987897000591605 | 0.530121029994084 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés déc. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 466480000 | 3 | 1568528000 | 3 | 3785905000 | 8 | 5820913000 | 0.08013863117349461 | 0.26946425758295994 | 0.6503971112435455 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 4 | 393381000 | 2 | 351447000 | 3 | 983322000 | 9 | 1728150000 | 0.22763128200677024 | 0.20336602725457859 | 0.5690026907386512 | 1 CAPITALBK | 6 | 904143070 | 5 | 1254438780 | 0 | 0 | 11 | 2158581850 | 0.4188597573911779 | 0.5811402426088221 | 0 | 1 SOGEBK | 11 | 3771563052.0900006 | 6 | 4529791118.53 | 0 | 0 | 17 | 8301354170.620001 | 0.4543310614837091 | 0.5456689385162908 | 0 | 1 SOGEBL | 7 | 284435888.55 | 1 | 85798355.44 | 0 | 0 | 8 | 370234243.99 | 0.7682592660382939 | 0.23174073396170616 | 0 | 1 UNIBK | 8 | 862454000 | 1 | 604701000 | 0 | 0 | 9 | 1467155000 | 0.5878410938176266 | 0.4121589061823734 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés sept. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 Septembre 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 1 | 226398500 | 1 | 708806000 | 2 | 2619224000 | 4 | 3554428500 | 0.06369476837134296 | 0.19941489890709577 | 0.7368903327215612 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 484377000 | 1 | 200731000 | 3 | 826881000 | 10 | 1511989000 | 0.32035748937326924 | 0.13275956372698478 | 0.5468829468997459 | 1 CAPITALBK | 2 | 302040090 | 5 | 1278507530 | 0 | 0 | 7 | 1580547620 | 0.19109838019306244 | 0.8089016198069375 | 0 | 1 SOGEBK | 10 | 3327371131.96 | 7 | 4583884954.53 | 0 | 0 | 17 | 7911256086.49 | 0.4205869580738424 | 0.5794130419261576 | 0 | 1 SOGEBL | 5 | 176908283.2 | 3 | 219364522.76 | 0 | 0 | 8 | 396272805.96 | 0.44643054113043834 | 0.5535694588695617 | 0 | 1 UNIBK | 6 | 3120313000 | 5 | 5385967000 | 0 | 0 | 11 | 8506280000 | 0.36682462839219965 | 0.6331753716078004 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 97224000 | 1 | 88661000 | 1 | 127206000 | 5 | 313091000 | 0.31052952655937094 | 0.28317965064470074 | 0.4062908227959283 | 1 [Non apparentés juin 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 1230945500 | 1 | 702823000 | 2 | 2587443000 | 8 | 4521211500 | 0.27226010108131415 | 0.15545014870461157 | 0.5722897502140742 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 322994000 | 4 | 434584000 | 2 | 491450000 | 12 | 1249028000 | 0.2585962844708045 | 0.34793775639937613 | 0.39346595912981935 | 1 CAPITALBK | 5 | 682519230 | 3 | 670231790 | 0 | 0 | 8 | 1352751020 | 0.5045416487654912 | 0.49545835123450876 | 0 | 1 SOGEBK | 10 | 3343415364 | 5 | 3642683848 | 0 | 0 | 15 | 6986099212 | 0.47858114557792514 | 0.5214188544220749 | 0 | 1 SOGEBL | 7 | 245504616 | 2 | 151807320 | 0 | 0 | 9 | 397311936 | 0.6179140210879545 | 0.3820859789120456 | 0 | 1 UNIBK | 7 | 3440582000 | 4 | 4334581000 | 0 | 0 | 11 | 7775163000 | 0.4425093081649864 | 0.5574906918350137 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 108702000 | 1 | 89155000 | 0 | 0 | 4 | 197857000 | 0.5493967865680769 | 0.45060321343192306 | 0 | 1 [Non apparentés mars 16] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 1039389500 | 1 | 353457000 | 1 | 777875000 | 7 | 2170721500 | 0.47882213356250447 | 0.16282927128146102 | 0.3583485951560345 | 1 BPH | 76 | 75085000 | 30 | 57800000 | 37 | 543349000 | 143 | 676234000 | 0.11103405034352014 | 0.0854733716435435 | 0.8034925780129364 | 1 BUH | 4 | 232268000 | 2 | 197998000 | 3 | 546034000 | 9 | 976300000 | 0.23790638123527605 | 0.2028044658404179 | 0.559289152924306 | 1 CAPITALBK | 4 | 338768270 | 5 | 985335970 | 0 | 0 | 9 | 1324104240 | 0.25584713028333783 | 0.7441528697166622 | 0 | 1 SOGEBK | 11 | 3483107611 | 4 | 2750016511 | 1 | 930603331 | 16 | 7163727453 | 0.4862144231270771 | 0.38388067232350637 | 0.12990490454941656 | 1 SOGEBL | 7 | 233005373 | 3 | 220375627 | 0 | 0 | 10 | 453381000 | 0.5139284023812202 | 0.48607159761877977 | 0 | 1 UNIBK | 8 | 2585024000 | 5 | 4931479000 | 0 | 0 | 13 | 7516503000 | 0.3439131202368974 | 0.6560868797631026 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 103023000 | 1 | 44550000 | 0 | 0 | 4 | 147573000 | 0.6981155089345612 | 0.3018844910654388 | 0 | 1 [Secteur d' activitéssept. 25] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2025 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 | 0 | 7423.51 | 0 | 0 | 0 | 7423.51 200 | Agriculture & Sylviculture | 951719.79 | 0 | 34630.9354867913 | 0 | 0 | 0 | 0 | 0 | 986350.7254867913 300 | Pêcherie et Aquaculture | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 400 | Industrie alimentaire (sauf boisson) | 919539.75 | 755.66 | 1096565.985471432 | 2563071 | 4672426.33 | 837871.55 | 76188.578587682 | 0 | 10166418.854059117 410 | Industrie des boissons | 0 | 0 | 371551.355179173 | 2311814 | 1505683.59 | 198111.76 | 0 | 0 | 4387160.705179173 420 | Industrie du bois | 0 | 0 | 0 | 31172 | 819.98 | 9073.99 | 0 | 0 | 41065.97 430 | Industrie chimique | 0 | 0 | 20882.81927 | 109638 | 12286.85 | 174331.78999999998 | 0 | 0 | 317139.45927 440 | Industrie textile | 1620.13 | 0 | 1071 | 124322 | 65673.59 | 117162.96 | 0 | 0 | 309849.68 450 | Industrie pharmaceutique | 0 | 0 | 73435.995 | 21285 | 134858.2 | 33904.8 | 0 | 0 | 263483.995 460 | Imprimerie, Edition | 3208.05 | 0 | 16300 | 18695 | 52336.74 | 64676.27 | 0 | 0 | 155216.06 470 | Sidérurgie, Aciérie | 17711.31 | 0 | 75345.55 | 1010931 | 0 | 517201.79 | 0 | 0 | 1621189.6500000001 480 | Industrie de la fabrication | 3251.75 | 909.95 | 2142 | 2380656 | 530079.89 | 190443.93000000002 | 0 | 0 | 3107483.5200000005 490 | Autres Industries | 0 | 0 | 0 | 0 | 1192433.07 | 640028.43 | 0 | 0 | 1832461.5 500 | Production et distribution de l'électricité | 1913331.85 | 0 | 0 | 392073 | 0 | 3891 | 0 | 0 | 2309295.85 600 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 71904.41 | 14588.42 | 0 | 0 | 86492.83 700 | Production et distribution de l' eau | 244.71 | 0 | 31138.22 | 214430 | 21625.68 | 15704.34 | 0 | 0 | 283142.95 800 | Entrepreneurs en bâtiment et corps de métiers correspondants | 352917.95 | 82251.14 | 1928601.8201453043 | 2732336 | 482633 | 495562.32 | 0 | 0 | 6074302.230145304 900 | Commerce de gros | 1552234.04 | 349471.32 | 7726429.281243299 | 9140585 | 14688343.31 | 2661401.83 | 0 | 0 | 36118464.7812433 1000 | Commerce de détail | 764733.1000000001 | 476652.07 | 2417316.572514734 | 2291135 | 9068488.24 | 1140781.47 | 0 | 0 | 16159106.452514736 1100 | Restaurants, débits de boissons, casinos et activités de loterie | 16441.05 | 0 | 4432 | 0 | 36990.85 | 56644.78 | 0 | 0 | 114508.68 1200 | Hôtels, motels et pensions | 2497061.9899999998 | 0 | 0 | 833688 | 416178.50999999995 | 95297.56 | 144751.95593708602 | 0 | 3986978.0159370857 1300 | Transport | 16635.89 | 122361.66 | 207003.84301075296 | 419912 | 864531.81 | 19707.07 | 0 | 0 | 1650152.273010753 1400 | Promotion et Développement Immobilier Résidentiel | 200380.82 | 0 | 354795.4599822831 | 0 | 2066720.1699999997 | 1127842.84 | 3784892.5976499994 | 0 | 7534631.887632282 1500 | Promotion et Développement Immobilier Commercial | 2133728.69 | 0 | 1229924.4417208305 | 296655 | 1982499.94 | 221845.87 | 1050882.94386 | 0 | 6915536.885580831 1600 | Télécommunications | 3938.1800000000003 | 0 | 68661.696077741 | 83318 | 1528392.18 | 9900.92 | 0 | 0 | 1694210.9760777408 1700 | Services financiers | 135302.60987000001 | 0 | 738921.0214166499 | 811108 | 132428.63 | 10922.269999999999 | 0 | 0 | 1828682.5312866499 1710 | Services professionnels | 111943.42 | 0 | 152497.50059119516 | 111645 | 517962.34 | 678109.32 | 0 | 0 | 1572157.5805911953 1720 | Services médicaux | 31855.61 | 0 | 2950.1570899999997 | 9416 | 69499.87 | 12209.43 | 0 | 0 | 125931.06709 1730 | Services d’agence ou de représentation | 2644.93 | 775.39 | 112086.672366751 | 106703 | 96020.05 | 7.26 | 0 | 0 | 318237.302366751 1740 | Services d'enseignement | 26811.66 | 0 | 1500 | 8826 | 141673.61000000002 | 232.29000000000002 | 0 | 0 | 179043.56000000003 1750 | Autres services | 35637.08 | 8200.44 | 19458.258149999998 | 510795 | 2698012.35 | 363532.94 | 34444.09392 | 0 | 3670080.16207 1800 | Administration publique et défense ; sécurité sociale obligatoire | 885598.6599999999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 885598.6599999999 1900 | Activités des organisations associatives | 807.14 | 0 | 700.341 | 0 | 0 | 15.93 | 0 | 0 | 1523.411 2000 | Activités des organisations et organismes extraterritoriaux | 0 | 0 | 952.6038199999999 | 0 | 0 | 0 | 0 | 0 | 952.6038199999999 Total | 12579300.159869999 | 1041377.63 | 16689295.52953694 | 26534209 | 43057926.7 | 9711005.129999997 | 5091160.169954767 | 0 | 0 | 114704274.31936175 (1) Commerce de gros 1. Import-Export | 759905 | 11582.65 | 561135.821706879 | 1330343 | 4344441.75 | 6070 | 0 | 7013478.221706878 2. Produits Pétroliers | 0 | 1462995.29614825 | 1203394 | 221277.76 | 98780 | 0 | 2986447.0561482497 3. Produits Pharmaceutiques | 0 | 26138.22 | 1131338 | 186124.2 | 0 | 1343600.42 4. Produits Alimentaires | 567156.4 | 15928.34 | 3693018.94637462 | 2099264 | 2324244.7800000003 | 1274380 | 0 | 9973992.46637462 5. Matériaux de Construction | 155075.63 | 206193.94 | 1575177.36436053 | 115811 | 4933743.779999999 | 1282160 | 0 | 8268161.71436053 9. Autres | 70097 | 115766.37 | 407963.632653019 | 3260434 | 2678511.04 | 0 | 6532772.042653019 0 S-Total | 1552234.0299999998 | 349471.3 | 7726429.281243298 | 9140584 | 14688343.309999999 | 2661390 | 0 | 0 | 0 | 36118451.921243295 0 | 0 (2) Commerce de détail 1. Produits Pétroliers | 98725.78 | 46947.765283895 | 36969 | 233308.04 | 73710 | 489660.585283895 2. Produits Pharmaceutiques | 0 | 6000 | 236 | 18417.97 | 20 | 0 | 24673.97 3. Véhicules automobiles | 182689.67 | 164722.18064 | 880528 | 1591314.02 | 91850 | 0 | 2911103.8706400003 4. Produits Alimentaires | 239109.82 | 1703535.96712453 | 257670 | 2091874.49 | 153490 | 0 | 4445680.277124531 5. Librairie, Papeterie | 0 | 61861 | 92131.85 | 10 | 0 | 154002.85 6. Appareils électroménagers, électroniques et équipements informatiques | 6496.84 | 196200.7585 | 181088 | 1448081.62 | 595200 | 0 | 2427067.2185 7. Matériaux de constrution | 54361.4 | 46177.66865 | 50917 | 1299072.64 | 4110 | 0 | 1454638.70865 9. Autres | 183349.59 | 476652.07 | 253732.232316303 | 821864 | 2230057.27 | 222390 | 0 | 0 | 4188045.162316303 S-Total | 764733.1 | 476652.07 | 2417316.572514728 | 2291133 | 9004257.9 | 1140780 | 0 | 0 | 0 | 16094872.642514728 INFORMATIONS ADDITIONNELLES Prêts à la consommation | 3372515.27262015 | 52875.34 | 915911.7611388491 | 2232565 | 762524.1 | 1244354.59 | 29242.519254925002 | 8609988.583013924 Prêts au logement | 1748601.232380001 | 179283.89 | 1052664.14901281 | 260786 | 181781.92 | 317143.42 | 3784892.5976532404 | 7525153.209046051 Prêts Immobiliers Commerciaux | 1359480.26211 | 38170.4 | 160966.97435 | 2781503 | 31739.93 | 2565731.25 | 881186.904930853 | 7818778.721390853 Crédit totaux | 19059896.92698015 | 1311707.2599999998 | 18818838.414038602 | 31809063 | 44033972.650000006 | 13838234.389999997 | 9786482.191793784 | 0 | 0 | 138658194.83281258 0 | 0 [Secteur d'activitéssept. 25%] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2025 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 | 0 | 0.00016858597017818693 | 0 | 0 | #DIV/0! | 6.471868676254668e-05 200 | Agriculture & Sylviculture | 0.049933102662942395 | 0 | 0.0018402270493463127 | 0 | 0 | 0 | 0 | #DIV/0! | 0.008599075591033125 300 | Pêcherie et Aquaculture | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 400 | Industrie alimentaire (sauf boisson) | 0.04824473886311262 | 0.0005760889056907408 | 0.05826958929906154 | 0.08057675260663918 | 0.10610957969062551 | 0.060547576113140274 | 0.007785083249992328 | #DIV/0! | 0.08863156071894572 410 | Industrie des boissons | 0 | 0 | 0.019743586028242884 | 0.07267784027464122 | 0.03419368045594678 | 0.014316259893903997 | 0 | #DIV/0! | 0.038247578228552834 420 | Industrie du bois | 0 | 0 | 0 | 0.0009799722802271793 | 1.8621531300787596e-05 | 0.0006557187676021147 | 0 | #DIV/0! | 0.00035801603945170667 430 | Industrie chimique | 0 | 0 | 0.0011096763153256948 | 0.0034467535243021775 | 0.0002790311493732555 | 0.012597834744436643 | 0 | #DIV/0! | 0.0027648443020267446 440 | Industrie textile | 8.500203365248174e-05 | 0 | 5.691105776226062e-05 | 0.003908382966200545 | 0.0014914300492939964 | 0.008466611902792033 | 0 | #DIV/0! | 0.002701291489254453 450 | Industrie pharmaceutique | 0 | 0 | 0.0039022597136079197 | 0.0006691489152006772 | 0.003062594444337513 | 0.0024500813502986206 | 0 | #DIV/0! | 0.002297072158500415 460 | Imprimerie, Edition | 0.00016831413161835413 | 0 | 0.0008661533534312308 | 0.0005877255799707147 | 0.0011885536745910657 | 0.0046737371385136665 | 0 | #DIV/0! | 0.001353184621244755 470 | Sidérurgie, Aciérie | 0.0009292447943372054 | 0 | 0.0040037301103448145 | 0.03178122536963758 | 0 | 0.03737483955133384 | 0 | #DIV/0! | 0.014133646366884762 480 | Industrie de la fabrication | 0.00017060690372344041 | 0.0006937142362084663 | 0.00011382211552452125 | 0.07484206623753739 | 0.012037975637885126 | 0.013762155245586938 | 0 | #DIV/0! | 0.02709126175497251 490 | Autres Industries | 0 | 0 | 0 | 0 | 0.0270798430901964 | 0.046250729100419594 | 0 | #DIV/0! | 0.015975529341635753 500 | Production et distribution de l'électricité | 0.10038521495316126 | 0 | 0 | 0.012325826762014335 | 0 | 0.00028117748914643155 | 0 | #DIV/0! | 0.020132605028914757 600 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.0016329303415688976 | 0.001054211078440911 | 0 | #DIV/0! | 0.0007540506272607164 700 | Production et distribution de l' eau | 1.2838999126674285e-05 | 0 | 0.001654630286679719 | 0.0067411605302551665 | 0.0004911135357213789 | 0.00113485142377329 | 0 | #DIV/0! | 0.002468460322687437 800 | Entrepreneurs en bâtiment et corps de métiers correspondants | 0.01851625700558898 | 0.06270540882727142 | 0.1024825112854252 | 0.08589803478335718 | 0.010960469177654357 | 0.03581109453949639 | 0 | #DIV/0! | 0.05295619771965185 900 | Commerce de gros | 0.08143979193312123 | 0.26642478139520254 | 0.4105688731287201 | 0.28735788287759373 | 0.3335684342348339 | 0.19232235522208124 | 0 | #DIV/0! | 0.31488333800605905 1000 | Commerce de détail | 0.040122625160552976 | 0.36338296244544693 | 0.12845195433058443 | 0.0720277425336295 | 0.2059429956974368 | 0.08243692351564513 | 0 | #DIV/0! | 0.14087623629023846 1100 | Restaurants, débits de boissons, casinos et activités de loterie | 0.0008625991033942553 | 0 | 0.0002355086909452279 | 0 | 0.0008400525270344872 | 0.004093353126099204 | 0 | #DIV/0! | 0.0009982947948494302 1200 | Hôtels, motels et pensions | 0.13101130607192818 | 0 | 0 | 0.026209134170346357 | 0.009451305093636604 | 0.006886540386168443 | 0.01479100999728628 | #DIV/0! | 0.03475875715700418 1300 | Transport | 0.0008728216140797248 | 0.09328427441958355 | 0.010999820416988694 | 0.013201017584202338 | 0.019633291251544616 | 0.00142410291982343 | 0 | #DIV/0! | 0.014386144568740036 1400 | Promotion et Développement Immobilier Résidentiel | 0.010513216349892841 | 0 | 0.01885320720526568 | 0 | 0.04693467442574704 | 0.08150193212618365 | 0.3867469968753153 | #DIV/0! | 0.06568745526129412 1500 | Promotion et Développement Immobilier Commercial | 0.11194859542916048 | 0 | 0.0653560232922412 | 0.009326115641947704 | 0.04502205503368317 | 0.016031371036778635 | 0.10738107148871044 | #DIV/0! | 0.060290141118250457 1600 | Télécommunications | 0.0002066212642747993 | 0 | 0.003648561859509899 | 0.002619316387911206 | 0.03470938659448888 | 0.0007154756684244891 | 0 | #DIV/0! | 0.014770251467357593 1700 | Services financiers | 0.007098811204926981 | 0 | 0.03926496445526759 | 0.025499273587530697 | 0.0030074195451906378 | 0.0007892820494421472 | 0 | #DIV/0! | 0.015942584024333725 1710 | Services professionnels | 0.005873243723660384 | 0 | 0.008103449173432196 | 0.0035098487497101064 | 0.01176278924722455 | 0.04900258955651351 | 0 | #DIV/0! | 0.013706181307716269 1720 | Services médicaux | 0.0016713421967621944 | 0 | 0.0001567661629848111 | 0.0002960162642954934 | 0.0015783238671744052 | 0.000882296805784918 | 0 | #DIV/0! | 0.0010978759757407158 1730 | Services d’agence ou de représentation | 0.00013876937583308656 | 0.0005911303715739136 | 0.0059560887819269355 | 0.00335448422356861 | 0.002180590217539684 | 5.246334030334344e-07 | 0 | #DIV/0! | 0.0027744153760191088 1740 | Services d'enseignement | 0.0014067054036397688 | 0 | 7.970736381268995e-05 | 0.00027746809140527024 | 0.003217370622589057 | 1.6786100990445795e-05 | 0 | #DIV/0! | 0.0015609144564351948 1750 | Autres services | 0.0018697414858290288 | 0.006251730283173093 | 0.001033977641015526 | 0.016058159273663608 | 0.061271154693329714 | 0.026270182290213405 | 0.0035195582278668277 | #DIV/0! | 0.031996019188018185 1800 | Administration publique et défense ; sécurité sociale obligatoire | 0.04646397949541872 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0.007720711937327635 1900 | Activités des organisations associatives | 4.234755324712468e-05 | 0 | 3.721488991996206e-05 | 0 | 0 | 1.1511584173998084e-06 | 0 | #DIV/0! | 1.3281205160310688e-05 2000 | Activités des organisations et organismes extraterritoriaux | 0 | 0 | 5.0619692833398804e-05 | 0 | 0 | 0 | 0 | #DIV/0! | 8.304867675181335e-06 Total | 0.6116117691784904 | 0.7876583606009775 | 0.8868398337002004 | 0.834171349215788 | 0.9776656658299485 | 0.675480411486223 | 0.5167041616113043 | #DIV/0! | 0.9999999999999998 (1) Commerce de gros Import-export | 0.03986931319257661 | 0.008830209569778551 | 0.029817771392748615 | 0.04182276604626801 | 0.09866113567656948 | 0.0004386397736105987 | 0 | #DIV/0! | 0.06114400063401145 Produits pétroliers | 0 | 0 | 0.07774099888422843 | 0.03783179655433422 | 0.005025160045376918 | 0.007138193877636728 | 0 | #DIV/0! | 0.026036057277458807 Produits pharmaceutiques | 0 | 0 | 0.0013889390739707525 | 0.03556653020555808 | 0.004226831893624296 | 0 | 0 | #DIV/0! | 0.011713603769107357 Produits alimentaires | 0.029756530277829804 | 0.012143212503070237 | 0.1962405364838925 | 0.0659957823969854 | 0.052782990952782 | 0.09209122812090194 | 0 | #DIV/0! | 0.08695397382145366 Matériaux de construction | 0.008136226055896631 | 0.15719508939822444 | 0.08370215683373255 | 0.0036408177128637834 | 0.11204403062188846 | 0.09265343857208652 | 0 | #DIV/0! | 0.07208242032324064 Appareils électroménagers électron.,équipe.inform. | 0.003677721882156378 | 0.08825625467682478 | 0.021678470460147186 | 0.10250015852400304 | 0.060828285044592714 | 0 | 0 | 0 | 0.056953170066394866 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 S-Total | 0.08143979140845943 | 0.266424766147898 | 0.41056887312872004 | 0.2873578514400126 | 0.33356843423483384 | 0.19232150034423579 | - | #DIV/0! | 0.3148832258916668 (2) Commerce de détail Produits pétroliers | 0.005179764632423021 | 0 | 0.002494721738450796 | 0.001162215938268914 | 0.005298364557166522 | 0.005326546575426232 | 0 | #DIV/0! | 0.004268895716305855 Produits pharmaceutiques | 0 | 0 | 0.0003188294552507598 | 7.419269156089257e-06 | 0.00041826728072875795 | 1.4452710827367337e-06 | 0 | 0 | 0.00021510942069431763 Véhicules automobiles | 0.009585029273762468 | 0 | 0.008753047186861408 | 0.027681670472343056 | 0.03613832512111532 | 0.00663740744746845 | 0 | #DIV/0! | 0.025379210041770992 Produits alimentaires | 0.012545179069752953 | 0 | 0.09052290739973169 | 0.008100521540040333 | 0.04750592245280871 | 0.011091732924463063 | 0 | #DIV/0! | 0.03875775600782571 Librairie ,papeterie | 0 | 0 | 0 | 0.0019447602087493115 | 0.002092290212656977 | 7.226355413683668e-07 | 0 | 0 | 0.0013426077704063795 Appareils électro- ménagers électroni.équip. inform. | 0.00034086438268212397 | 0 | 0.010425763492056813 | 0.00569296869888937 | 0.03288555478539136 | 0.043011267422245196 | 0 | #DIV/0! | 0.021159344173544176 Matériaux de construction | 0.0028521350460740938 | 0 | 0.0024538001567382646 | 0.0016007073204262572 | 0.029501599828967502 | 0.0002970032075023988 | 0 | 0 | 0.012681643445997209 Autres | 0.009619652755858315 | 0.4577129912037769 | 0.013482884901494354 | 0.02583741621059382 | 0.05064401723926673 | 0.01607069180449111 | 0 | #DIV/0! | 0.03651167480172422 S-Total | 0.040122625160552976 | 0.4577129912037769 | 0.1284519543305841 | 0.07202767965846715 | 0.20448434147810188 | 0.08243681728822055 | - | #DIV/0! | 0.14031624137826887 INFORMATIONS ADDITIONNELLES Prêts à la consommation | 0.17694299636249353 | 0.040310320459764785 | 0.048669941310277215 | 0.07018644340451022 | 0.017316722841721616 | 0.08992148527988622 | 0.0029880521602998066 | 0.06209505751459866 Prêts au logement | 0.09174242857026035 | 0.13667980308350205 | 0.055936722865293144 | 0.008198481042965647 | 0.0041282198507247335 | 0.022917910700311534 | 0.38674699687564645 | 0.05427124749546553 Prêts Immobiliers Commerciaux | 0.07132673735426102 | 0.029099785572582717 | 0.008553502124228922 | 0.08744372633673617 | 0.0007208055074267753 | 0.18540885908494867 | 0.09004123112488273 | 0.05638886854699329 [Secteur d'activitésept. 25 glob] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2025 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (900 ; 1000 ) | 2316967.14 | 826123.39 | 10143745.853758033 | 11431720 | 23756831.55 | 3802183.3 | 0 | 0 | 0 | 52277571.23375803 Services et Autres ( 1100 à 1200 ; 1700 à 1750;1800 à 2000 ) | 3744104.1498699994 | 8975.83 | 1033498.5544345961 | 2392181 | 4108766.2100000004 | 1216971.78 | 179196.04985708604 | 0 | 0 | 12683693.57416168 Industries Manufacturières ( 400 à 490 ) | 945330.9900000001 | 1665.6100000000001 | 1657294.704920605 | 8571584 | 8166598.24 | 2782807.2700000005 | 76188.578587682 | 0 | 0 | 22201469.39350829 Prêts aux Ménages* | 6480596.76711015 | 270329.63 | 2129542.884501659 | 5274854 | 976045.9500000001 | 4127229.26 | 4695322.021839019 | 0 | 0 | 23953920.513450827 Immobilier Résidentiel et Commercial ( 1400 ; 1500 ) | 2334109.51 | 0 | 1584719.9017031137 | 296655 | 4049220.1099999994 | 1349688.71 | 4835775.541509999 | 0 | 0 | 14450168.773213113 Transport, Entrepôt et Communication ( 1300 ; 1600 ) | 20574.07 | 122361.66 | 275665.53908849397 | 503230 | 2392923.99 | 29607.989999999998 | 0 | 0 | 0 | 3344363.2490884946 Bâtiments et Travaux Publics ( 800 ) | 352917.95 | 82251.14 | 1928601.8201453043 | 2732336 | 482633 | 495562.32 | 0 | 0 | 0 | 6074302.230145304 Électricité, Gaz et Eau ( 500 à 700 ) | 1913576.56 | 0 | 31138.22 | 606503 | 93530.09 | 34183.759999999995 | 0 | 0 | 0 | 2678931.63 Agriculture, Sylviculture et Pêche ( 100;200 ) | 951719.79 | 0 | 34630.9354867913 | 0 | 7423.51 | 0 | 0 | 0 | 0 | 993774.2354867914 Total | 19059896.92698015 | 1311707.2599999998 | 18818838.414038595 | 31809063 | 44033972.650000006 | 13838234.39 | 9786482.191793786 | 0 | 0 | 138658194.83281255 Regroupement des Secteurs d'activités Commerce de Gros et Détail (900 ; 1000 ) | 0.1215624170936742 | 0.6298077438406494 | 0.5390208274593047 | 0.3593856254112232 | 0.5395114299322706 | 0.27475927873772626 | 0 | #DIV/0! | #DIV/0! | 0.37702474993845003 Services et Autres ( 1100 à 1200 ; 1700 à 1750;1800 à 2000 ) | 0.1964388456146397 | 0.006842860654747006 | 0.05491829685213835 | 0.07520438436052014 | 0.09330900581371915 | 0.08794270610703249 | 0.018310568225153107 | #DIV/0! | #DIV/0! | 0.09147453267695482 Industries Manufacturières ( 400 à 490 ) | 0.04959790672644411 | 0.0012698031418992073 | 0.08806572799330091 | 0.26946986775435666 | 0.18546130972355043 | 0.2010955438080277 | 0.007785083249992327 | #DIV/0! | #DIV/0! | 0.1601165327464256 Prêts aux Ménages* | 0.34001216228701486 | 0.20608990911584957 | 0.1131601662997993 | 0.16582865078421202 | 0.022165748199873124 | 0.29824825506514635 | 0.47977628016082896 | #DIV/0! | #DIV/0! | 0.17275517355705752 Immobilier Résidentiel et Commercial ( 1400 ; 1500 ) | 0.12246181177905333 | 0 | 0.08420923049750692 | 0.009326115641947704 | 0.0919567294594302 | 0.09753330316296224 | 0.49412806836402556 | #DIV/0! | #DIV/0! | 0.10421431485269543 Transport, Entrepôt et Communication ( 1300 ; 1600 ) | 0.001079442878354524 | 0.09328427441958355 | 0.0146483822764986 | 0.015820333972113545 | 0.0543426778460335 | 0.0021395785882479187 | 0 | #DIV/0! | #DIV/0! | 0.02411947777858329 Bâtiments et Travaux Publics ( 800 ) | 0.01851625700558898 | 0.06270540882727142 | 0.10248251128542524 | 0.08589803478335718 | 0.010960469177654357 | 0.03581109453949638 | 0 | #DIV/0! | #DIV/0! | 0.04380774059167155 Électricité, Gaz et Eau ( 500 à 700 ) | 0.10039805395228794 | 0 | 0.0016546302866797197 | 0.0190669872922695 | 0.0021240438772902764 | 0.0024702399913606315 | 0 | #DIV/0! | #DIV/0! | 0.019320398864489243 Agriculture, Sylviculture et Pêche ( 100;200 ) | 0.049933102662942395 | 0 | 0.0018402270493463133 | 0 | 0.00016858597017818693 | 0 | 0 | #DIV/0! | #DIV/0! | 0.007167078993672441 Total | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1 | 0.9999999999999999 | 1 | #DIV/0! | #DIV/0! | 0.9999999999999998 * | Prêts aux ménages=prêts à la consommation+prêts au logement+prêts immobiliers commerciaux [Secteur d' activitésjuin 25] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2025 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 | 0 | 9263.729999999998 | 2.98 | 0 | 0 | 9266.709999999997 200 | Agriculture & Sylviculture | 952158.47 | 0 | 37696.532669984255 | 0 | 0 | 0 | 0 | 0 | 989855.0026699842 300 | Pêcherie et Aquaculture | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 400 | Industrie alimentaire (sauf boisson) | 1746311.1 | 755.6581600000001 | 1081991.6027501356 | 1489223 | 3825661.90172 | 994604.17 | 6059.93549 | 0 | 9144607.368120136 410 | Industrie des boissons | 0 | 0 | 397310.945600016 | 2472433 | 1544734.17378 | 291440.00999999995 | 0 | 0 | 4705918.129380016 420 | Industrie du bois | 0 | 0 | 0 | 27496 | 633.36 | 11149.11 | 0 | 0 | 39278.47 430 | Industrie chimique | 0 | 0 | 20888.35427 | 32431 | 21894.55729 | 178371.79 | 0 | 0 | 253585.70156000002 440 | Industrie textile | 274909.05 | 0 | 1071.10557 | 179584 | 78931.35065000001 | 1.63 | 0 | 0 | 534497.13622 450 | Industrie pharmaceutique | 0 | 0 | 73485.80999999998 | 26502 | 168979.77180000002 | 39138.71 | 0 | 0 | 308106.2918 460 | Imprimerie, Edition | 82667.17000000001 | 0 | 16300 | 154671 | 203767.92934 | 98214.6 | 0 | 0 | 555620.69934 470 | Sidérurgie, Aciérie | 18068.97 | 0 | 74835.39325 | 1012695 | 0 | 526691.45 | 0 | 0 | 1632290.81325 480 | Industrie de la fabrication | 3536.48 | 909.9513199999999 | 1428 | 2483715 | 667856.56334 | 516630.48000000004 | 0 | 0 | 3674076.47466 490 | Autres Industries | 0 | 0 | 0 | 0 | 946606.9273699999 | 676780.81 | 0 | 0 | 1623387.73737 500 | Production et distribution de l'électricité | 1915014.8 | 0 | 0 | 0 | 0 | 4359.09 | 0 | 0 | 1919373.8900000001 600 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 45424.9744 | 7022.31 | 0 | 0 | 52447.2844 700 | Production et distribution de l' eau | 133.94 | 0 | 31190.337359999994 | 225255 | 35632.04918 | 15445.28 | 0 | 0 | 307656.60654000007 800 | Entrepreneurs en bâtiment et corps de métiers correspondants | 374013.13 | 82318.90787000001 | 2214567.9402063447 | 3139246 | 494483.58883 | 559462.7999999999 | 0 | 0 | 6864092.366906344 900 | Commerce de gros | 1822199.4500000002 | 349727.16892 | 7928924.832555012 | 8620612 | 12428490.746879999 | 2314946.4499999997 | 0 | 0 | 33464900.64835501 1000 | Commerce de détail | 830947.27 | 476956.8663 | 2135202.393647453 | 2295017 | 9241424.7093 | 1266310.2800000003 | 0 | 0 | 16245858.519247454 1100 | Restaurants, débits de boissons, casinos et activités de loterie | 15588.390000000001 | 0 | 4462.51853 | 15 | 44706.8198 | 56938.81 | 0 | 0 | 121711.53833 1200 | Hôtels, motels et pensions | 2512691.3200000003 | 0 | 2.61704 | 314149 | 503143.13009 | 94879.82 | 143841.09021 | 0 | 3568706.97734 1300 | Transport | 18247.2 | 131704.32254 | 217810.32462868595 | 182177 | 903162.1712999999 | 27751.96 | 0 | 0 | 1480852.9784686859 1400 | Promotion et Développement Immobilier Résidentiel | 200133.58000000002 | 0 | 346498.94639015745 | 261959 | 2266097.3977799998 | 1268451.8699999999 | 3900269.9557881607 | 0 | 8243410.749958318 1500 | Promotion et Développement Immobilier Commercial | 2134347.2199999997 | 0 | 1254680.5804589828 | 3534943 | 2171671.90203 | 250706.34 | 1190907.5761712037 | 0 | 10537256.618660187 1600 | Télécommunications | 4779.48 | 0 | 72051.82317427336 | 53172 | 32363.932969999998 | 9798.71 | 0 | 0 | 172165.94614427336 1700 | Services financiers | 206842.38 | 0 | 751210.1560692996 | 487221 | 67192.37665 | 920794.48 | 0 | 0 | 2433260.3927192995 1710 | Services professionnels | 57544.46 | 0 | 77677.63361548666 | 82753 | 609432.8504 | 614824.47 | 0 | 0 | 1442232.4140154866 1720 | Services médicaux | 32920.86 | 0 | 2750 | 9870 | 62956.63605 | 13856.95 | 0 | 0 | 122354.44605 1730 | Services d’agence ou de représentation | 299.66 | 775.39098 | 113169.723690528 | 113447 | 110418.60204 | 8.59 | 0 | 0 | 338118.96671052807 1740 | Services d'enseignement | 31254.48 | 0 | 1500 | 12243 | 150163.69816 | 580.04 | 0 | 0 | 195741.21816000002 1750 | Autres services | 29600.43 | 8433.3041 | 15864.07038315 | 791619 | 2716623.75114 | 357478.89 | 38042.890267698 | 0 | 3957662.335890848 1800 | Administration publique et défense ; sécurité sociale obligatoire | 14973.28 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 14973.28 1900 | Activités des organisations associatives | 675.63 | 0 | 700 | 0 | 0 | 5.81 | 0 | 0 | 1381.44 2000 | Activités des organisations et organismes extraterritoriaux | 0 | 0 | 958 | 0 | 0 | 0 | 0 | 0 | 958 Total | 13279858.200000001 | 1051581.57019 | 16874229.64185951 | 28002448 | 39351719.602290004 | 11116648.690000001 | 5279121.447927062 | 0 | 0 | 114955607.15226658 (1) Commerce de gros 1. Import-Export | 763149.76 | 473757.60429680004 | 1755858 | 1707102.58342 | 104.34 | 0 | 4699972.2877168 2. Produits Pétroliers | 228450.94 | 1527495.1951116 | 1258308 | 556334.468 | 142.19 | 0 | 3570730.7931116 3. Produits Pharmaceutiques | 0 | 26160.36 | 83022 | 102790.53593999999 | 0.77 | 0 | 211973.66593999998 4. Produits Alimentaires | 676804.76 | 3536705.1725338204 | 2461236 | 1730031.7519 | 1234.86 | 0 | 8406012.54443382 5. Matériaux de Construction | 87177.69 | 1960984.97620386 | 118537 | 5487304.3641 | 823.19 | 0 | 7654827.2203038605 9. Autres | 66616.3 | 403823.976826702 | 2943652 | 2659584.3104299996 | 9.58 | 0 | 6073686.167256702 S-Total | 1822199.45 | 0 | 7928927.284972782 | 8620613 | 12243148.013789998 | 2314.93 | 0 | 0 | 0 | 30617202.67876278 0 (2) Commerce de détail 1. Produits Pétroliers | 106759.97 | 49438.529511185996 | 43655 | 251185.77155 | 71.85 | 451111.12106118596 2. Produits Pharmaceutiques | 0 | 6000 | 56 | 15966.43742 | 3.91 | 0 | 22026.347420000002 3. Véhicules automobiles | 183639.28 | 161607.99679875 | 681012 | 1554547.42374 | 115.25 | 0 | 2580921.95053875 4. Produits Alimentaires | 231243.72 | 1476937.8254973597 | 282105 | 2329568.70943 | 210.6 | 0 | 4320065.854927359 5. Librairie, Papeterie | 0 | 0 | 98277 | 93828.24545000002 | 0 | 0 | 192105.24545000002 6. Appareils électroménagers, électroniques et équipements informatiques | 6268.18 | 45923.628818736004 | 241308 | 1179965.82718 | 734.36 | 0 | 1474199.9959987362 7. Matériaux de constrution | 54409.95 | 8220.411 | 98944 | 1382871.43149 | 4.55 | 0 | 1544450.3424900002 9. Autres | 248626.19 | 387074.00203344 | 849660 | 2251199.88031 | 125.75 | 0 | 0 | 3736685.82234344 S-Total | 830947.29 | 0 | 2135202.393659472 | 2295017 | 9059133.726569999 | 1266.27 | 0 | 0 | 0 | 14321566.68022947 INFORMATIONS ADDITIONNELLES Prêts à la consommation | 3301648.8287300584 | 39359.89999999999 | 788220.325889999 | 2233458 | 1008641.09 | 1394387.21 | 8765715.354620058 Prêts au logement | 1777159.05002 | 180761.0393 | 1094333.6546 | 274145 | 2948156.94 | 1268451.87 | 7543007.55392 Prêts Immobiliers Commerciaux | 1749448.67538 | 31300.743420000003 | 159157.75838999997 | 4314417 | 37248716.33 | 250706.34 | 43753746.84719 Crédit totaux | 20108114.754130058 | 1303003.25291 | 18915941.380739506 | 34824468 | 80557233.96229 | 14030194.110000003 | 5279121.447927062 | 0 | 0 | 175018076.90799662 [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' 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 | 0.44795554598048626 | 0.41618191646264163 | 0 | 0.1727908258301971 | #DIV/0! | 0.3450375815113905 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.24896859046402134 | 0.019365147623857434 | 0.06865660232047915 | 0.049437727210237946 | 0.10307436955320089 | 0.24453416020067373 | 0.030257334249241014 | 0.3692149080326329 | #DIV/0! | 0.11719057784179283 Industries Manufacturières ( 200 à 290 ) | 0.11740360024562142 | 0.0015832240380702787 | 0.19301727992395326 | 0.21639897052339577 | 0.2558081456450505 | 0.1587180021824007 | 0.0009731966875332027 | 0.2591862387452956 | #DIV/0! | 0.19619024417205322 Prêts aux Particuliers ( 1560 ) | 0.14103608602955495 | 0.020099406221054363 | 0.04407271676105952 | 0.08061742879556973 | 0.03984623417807477 | 0.02345636687943206 | 0.010320147255919489 | 0 | #DIV/0! | 0.0664011670776815 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.20077557158705464 | 0.19403171858527976 | 0.21613118464285017 | 0.14527935716933305 | 0.10212641057300516 | 0.10680577808761467 | 0.9584493218073064 | 0 | #DIV/0! | 0.17087451082248367 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.07497252989849086 | 0.09822074101909364 | 0.022409382552190996 | 0.007155559491915689 | 0.018381648809168333 | 0.004812772919648247 | 0 | 0 | #DIV/0! | 0.023509458386137036 Bâtiments et Travaux Publics ( 600 ) | 0.029378781075326613 | 0.07649682130155526 | 0.0625860604266562 | 0.12865484843254724 | 0.029200999557409613 | 0.03909970641709432 | 0 | 0.1988080273918745 | #DIV/0! | 0.06309215434610735 Électricité, Gaz et Eau ( 300 à 500 ) | 0.0632877993477208 | 0 | 0.028330160073890776 | 0.00652447212002756 | 0.003406106918843123 | 0.00639129685049462 | 0 | 0 | #DIV/0! | 0.016828128535989004 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007215169848517156 | 0.00021120733179408658 | 0.000200538784761358 | 0 | 0 | 0 | #DIV/0! | 0.0008761773063649914 Total | 0.9999999999999999 | 1 | 0.9999999999999998 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1 | 1 | #DIV/0! | 1.0000000000000002 [Secteur d' activitémars 22 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2022 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 115904.67685744 | 17493.15918232 | 10000 | 0 | 0 | 0 | 0 | 143397.83603976 200 | Industrie alimentaire | 1605868.49 | 755.6581600000001 | 992357.2937635999 | 1425543.2072053596 | 4284529.67234 | 871821 | 5943.5138099999995 | 29000.000099999997 | 0 | 9215818.83537896 210 | Industrie des boissons | 765181.12 | 0 | 1403617.1605545601 | 3273172.0407628 | 2416220.00723 | 238303 | 0 | 0 | 0 | 8096493.32854736 220 | Industrie du bois | 54614.82 | 0 | 592.36105744 | 0 | 0 | 4558 | 0 | 0 | 0 | 59765.18105744 230 | Industrie chimique | 167.5 | 0 | 10614.949359999999 | 371559.72717008 | 111177.98531999999 | 70895 | 0 | 29000.000099999997 | 0 | 593415.16195008 240 | Industrie du textile | 926.1 | 0 | 466517.95370952005 | 1721947.5989116 | 93738.60612000001 | 131512 | 0 | 0 | 0 | 2414642.2587411203 250 | Industrie pharmacie | 0 | 0 | 43559.46534 | 37499.999950000005 | 158931.05851 | 38004 | 0 | 0 | 0 | 277994.5238 260 | Imprimerie, édition | 9697.55 | 0 | 490.86500567999997 | 114213.97331304 | 131528.511 | 21240 | 0 | 0 | 0 | 277170.89931872 270 | Sidérurgie, aciérie | 23044.7 | 0 | 62712.703747199994 | 590363.4978812799 | 0 | 625257 | 0 | 0 | 0 | 1301377.9016284798 280 | Industrie de la fabrication | 1471.38 | 1463.65172 | 185432.18689728 | 2326071.67430944 | 740105.1583400001 | 69672 | 0 | 0 | 0 | 3324216.05126672 290 | Autres industries | 0 | 0 | 11855.68317728 | 9869.48194224 | 2608620.36303 | 211776 | 0 | 0 | 0 | 2842121.52814952 300 | Production et distribution de l'électricité | 1532976.01 | 0 | 333373.89535 | 393121.56418352004 | 0 | 3793 | 0 | 0 | 0 | 2263264.4695335203 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 82464.18302 | 179312 | 0 | 0 | 0 | 261776.18302 500 | Traitement et distribution de l'eau | 0 | 0 | 479629.18235464 | 184159.85203367998 | 30696.79721 | 12649 | 0 | 0 | 0 | 707134.8315983199 600 | Entrep/ batiment et corps/ métiers corresp. | 878106.22 | 96130.2805 | 944231.67417928 | 5519998.864267601 | 1380098.3306300002 | 534430 | 0 | 42159.9734441424 | 0 | 9395155.343021024 700 | Commerce de gros(1) | 3068985.4299999997 | 318021.94368 | 4418960.48127512 | 10092358.923678879 | 12167989.0131 | 3432976 | 0 | 38666.666800000006 | 0 | 33537958.458533995 800 | Commerce de détail(2) | 737354.96 | 433318.83444999997 | 933224.2341565599 | 7191232.00337737 | 8951983.784030002 | 1265434 | 0 | 0 | 0 | 19512547.816013932 900 | Rest/débits/boissons, casinos/activités/loterie | 24795.75 | 0 | 1285.90793664 | 427.06474 | 8968.365730000001 | 10127 | 0 | 0 | 0 | 45604.08840664 1000 | Hotels,motels et pensions | 2192040.36 | 0 | 68970.983322 | 359833.497942 | 1110743.1417999999 | 246616 | 157238.13318696004 | 0 | 0 | 4135442.11625096 1100 | Transport | 920747.52 | 128961.34726000001 | 307927.53131016006 | 281939.45264264 | 823599.00015 | 37138 | 0 | 0 | 0 | 2500312.8513628 1200 | Immobilier résidentiel / Avance Hypothécaire | 2398774.37 | 210405.09181 | 1662768.3216169602 | 481695.9095548802 | 3138080.48398 | 1331951 | 3655625.7513001584 | 0 | 0 | 12879300.928261999 1300 | Immobilier commercial | 3302473.18 | 48417.51509 | 1687550.5935830404 | 6468829.365071842 | 1659398.7390899998 | 126846 | 1072790.5891846397 | 0 | 0 | 14366305.982019523 1400 | Télécommunications | 1297941.57 | 0 | 7994.835871519999 | 33447.34859616 | 66948.63506 | 29967 | 0 | 0 | 0 | 1436299.3895276801 1500 | Services financiers | 362471.39 | 0 | 244686.33605736 | 1054626.0147484 | 3011320.14783 | 2239715 | 0 | 0 | 0 | 6912818.88863576 1510 | Services professionnels | 513325.09 | 6874.63521 | 238713.90092736 | 179521.71209224008 | 249714.22431000002 | 616085 | 0 | 42159.9734441424 | 0 | 1846394.5359837424 1520 | Services médicaux | 9166.77 | 0 | 22729.691506159998 | 2577.99479 | 28292.02048 | 40331 | 0 | 0 | 0 | 103097.47677616 1530 | Services d'agence ou de représentation | 14.38 | 775.39098 | 20827.09445168 | 16267.045146400002 | 66333.69965 | 183 | 0 | 0 | 0 | 104400.61022808 1540 | Services d'enseignement | 435833.99 | 0 | 4798.82072448 | 30990.765940000005 | 74457.76887 | 1751 | 0 | 0 | 0 | 547832.34553448 1550 | Autres services | 3186191.95 | 11092.08531 | 511858.08744960005 | 594676.2793248259 | 1716546.5301199998 | 344915 | 0 | 36137.120094979204 | 0 | 6401417.0522994045 1560 | Crédit à la consommation | 3762818.8800000004 | 24680.996629999998 | 799997.4923677603 | 4028000.4407075 | 1861537.0582400002 | 315194 | 20972.005570639998 | 0 | 0 | 10813200.873515902 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 27084989.479999993 | 1280897.4307999995 | 15983184.363910321 | 46801438.45946611 | 46984023.285190016 | 13052451 | 4912569.993052398 | 217123.733983264 | 0 | 156316677.74640208 (1) Commerce de gros Import-export | 843081.9400000001 | 38471.60732 | 975704.02633208 | 1295099.45394944 | 2482605.69591 | 261303 | 0 | 5896265.72351152 Produits pétroliers | 532349.13 | 0 | 872375.3303851999 | 3355741.746343599 | 683554.0143200001 | 1449691 | 0 | 6893711.221048799 Produits pharmaceutiques | 0 | 0 | 21206.78418744 | 144640.17159248 | 95857.68712999999 | 11952 | 0 | 273656.64290992 Produits alimentaires | 293742.77 | 8040.253549999999 | 1157187.82677184 | 2635470.901138 | 2651229.68458 | 1135981 | 0 | 7881652.436039841 Matériaux de construction | 123836.72 | 167191.63902 | 850722.4706471201 | 114961.22336096001 | 4483629.58922 | 560830 | 0 | 6301171.642248081 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 2.9706794400000005 | 0 | 0 | 0 | 0 | 2.9706794400000005 Autres | 1275974.87 | 104318.44379 | 541761.0722719999 | 2546445.427294399 | 1771112.34194 | 13177 | 0 | 0 | 6252789.155296399 S-Total | 3068985.43 | 318021.94368 | 4418960.481275121 | 10092358.923678879 | 12167989.013100002 | 3432934 | 0 | 0 | 0 | 33499249.791734003 (2) Commerce de détail Produits pétroliers | 146878.18 | 4773.446599999999 | 83243.4338 | 87599.21272 | 144986.67606 | 50625 | 518105.94918 Produits pharmaceutiques | 0 | 0 | 1004.13114 | 492.85256 | 6080.81138 | 3176 | 0 | 10753.79508 Véhicules automobiles | 26554.24 | 0 | 47313.7431712 | 1353845.89952488 | 2715771.74416 | 564051 | 0 | 4707536.626856079 Produits alimentaires | 99769.96 | 0 | 636568.0090797599 | 561687.7482310398 | 1802195.72278 | 132666 | 0 | 3232887.4400907997 Librairie ,papeterie | 228.45 | 0 | 0 | 32767.336429439998 | 122572.20153 | 114 | 0 | 155681.98795944 Appareils électro- ménagers électroni.équip. inform. | 2998.38 | 0 | 59696.08921056 | 276617.76466384 | 1516975.64813 | 411313 | 0 | 2267600.8820044002 Matériaux de construction | 28217.62 | 0 | 27764.122664159997 | 140465.05538448 | 1102725.83049 | 39 | 0 | 1299211.62853864 Autres | 432708.13999999996 | 428545.38785 | 77634.70509087999 | 4737756.133863685 | 1540675.1495 | 103493 | 0 | 0 | 7320812.516304565 S-Total | 737354.97 | 433318.83445 | 933224.2341565599 | 7191232.003377365 | 8951983.78403 | 1265477 | 0 | 0 | 0 | 19512590.826013926 [Secteur d'activitésmars. 22 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 Mars 2022 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.007251663637137929 | 0.0003737739641799795 | 0.000212838307594491 | 0 | 0 | 0 | 0.0009173546809406942 200 | Industrie alimentaire | 0.05928998020050183 | 0.0005899443170309468 | 0.06208758349833722 | 0.030459388730968113 | 0.09119120442992247 | 0.06679366197199285 | 0.00120985834673208 | 0.13356439467937362 | 0.05895608177094257 210 | Industrie des boissons | 0.028251113797368187 | 0 | 0.08781836764167576 | 0.06993742390199471 | 0.051426417711478205 | 0.018257337261790907 | 0 | 0 | 0.05179545423606417 220 | Industrie du bois | 0.00201642389561674 | 0 | 3.7061516901321506e-05 | 0 | 0 | 0.00034920644406173217 | 0 | 0 | 0.0003823340024818024 230 | Industrie chimique | 6.184237218319202e-06 | 0 | 0.0006641323229661494 | 0.007939066391984538 | 0.0023662934237273963 | 0.005431546917893045 | 0 | 0.13356439467937362 | 0.0037962370394846656 240 | Industrie du textile | 3.419237067394277e-05 | 0 | 0.02918804808151418 | 0.03679262124395916 | 0.0019951166282847397 | 0.0100756555224762 | 0 | 0 | 0.01544711858998486 250 | Industrie pharmacie | 0 | 0 | 0.0027253308444815487 | 0.0008012574225144402 | 0.003382661751746943 | 0.002911637055752977 | 0 | 0 | 0.0017784060396357712 260 | Imprimerie, édition | 0.0003580414903672321 | 0 | 3.071133977459225e-05 | 0.0024403945065055786 | 0.0027994305681663394 | 0.0016272805774179885 | 0 | 0 | 0.0017731370914137764 270 | Sidérurgie, aciérie | 0.0008508292025373164 | 0 | 0.003923667669679385 | 0.01261421694105798 | 0 | 0.04790341676057623 | 0 | 0 | 0.008325265866638683 280 | Industrie de la fabrication | 5.4324554974868704e-05 | 0.001142676755222984 | 0.011601704808960459 | 0.04970085858202861 | 0.01575227293430384 | 0.005337848040954147 | 0 | 0 | 0.02126590776615474 290 | Autres industries | 0 | 0 | 0.000741759771228684 | 0.0002108798846169607 | 0.05552143432238319 | 0.016224998661170994 | 0 | 0 | 0.018181818914808256 300 | Production et distribution de l'électricité | 0.05659873012437295 | 0 | 0.02085778952176457 | 0.008399775244600562 | 0 | 0.0002905967622479487 | 0 | 0 | 0.014478713993687173 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.0017551537151139162 | 0.013737802961298227 | 0 | 0 | 0.0016746529339926766 500 | Traitement et distribution de l'eau | 0 | 0 | 0.030008362003108226 | 0.003934918628477147 | 0.0006533454366747693 | 0.0009690900199510422 | 0 | 0 | 0.004523732475593737 600 | Entrep/ batiment et corps/ métiers corresp. | 0.03242040099917366 | 0.07504916333539735 | 0.05907656776526549 | 0.11794506848434527 | 0.02937377930052715 | 0.040944800329072294 | 0 | 0.1941748728740641 | 0.06010334583916316 700 | Commerce de gros(1) | 0.11330945623095735 | 0.24828056957017683 | 0.27647559964665336 | 0.21564206690825735 | 0.25898141883765646 | 0.2630138967769348 | 0 | 0.17808585957249817 | 0.21455137699986035 800 | Commerce de détail(2) | 0.027223749174592634 | 0.33829315605650456 | 0.058387878967582935 | 0.15365408073099224 | 0.1905325078206273 | 0.09694991385142913 | 0 | 0 | 0.12482703763490809 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0009154794030217214 | 0 | 8.0453801155141e-05 | 9.125034487345366e-06 | 0.0001908811783861632 | 0.0007758696048734448 | 0 | 0 | 0.00029174166866970574 1000 | Hotels,motels et pensions | 0.08093192584101386 | 0 | 0.004315221657439863 | 0.007688513639461004 | 0.02364086904728997 | 0.01889422913750069 | 0.032007306442317175 | 0 | 0.026455539970981407 1100 | Transport | 0.033994752727517036 | 0.10068046368041794 | 0.019265718538882256 | 0.006024162118154183 | 0.017529341732844095 | 0.002845289363660511 | 0 | 0 | 0.01599517650585655 1200 | Immobilier résidentiel | 0.08856471484957729 | 0.16426380969363724 | 0.10403235574079059 | 0.010292331291741567 | 0.06679037393056045 | 0.10204604483862839 | 0.7441371332052524 | 0 | 0.08239236602223936 1300 | Immobilier commercial | 0.12193001523735504 | 0.037799681633962114 | 0.10558287730156529 | 0.13821860135077643 | 0.03531836192523479 | 0.009718174770393698 | 0.21837665228217285 | 0 | 0.09190513890863568 1400 | Télécommunications | 0.04792106605610542 | 0 | 0.000500202943887212 | 0.000714664969648917 | 0.0014249234181931605 | 0.002295890633874052 | 0 | 0 | 0.009188395059533174 1500 | Services financiers | 0.01338274066038146 | 0 | 0.015308985399045785 | 0.022534051291218174 | 0.06409242838893296 | 0.1715934424883112 | 0 | 0 | 0.04422316919919872 1510 | Services professionnels | 0.01895238284582122 | 0.005367045826383122 | 0.01493531548483985 | 0.003835816120218626 | 0.0053148752884411505 | 0.04720071349051607 | 0 | 0.1941748728740641 | 0.01181188445534399 1520 | Services médicaux | 0.0003384446579449069 | 0 | 0.001422100314220434 | 5.508366569187303e-05 | 0.0006021625757391878 | 0.003089917748015296 | 0 | 0 | 0.0006595423998418042 1530 | Services d'agence ou de représentation | 5.309213802951052e-07 | 0.0006053497816103202 | 0.001303062892692843 | 0.00034757575155491425 | 0.0014118352369987279 | 1.4020355257414872e-05 | 0 | 0 | 0.0006678788964377345 1540 | Services d'enseignement | 0.016091347952039158 | 0 | 0.0003002418426277827 | 0.0006621755005851061 | 0.0015847465513552576 | 0.0001341510494848822 | 0 | 0 | 0.0035046314534860263 1550 | Autres services | 0.1176368169665614 | 0.008659620234441652 | 0.03202478778918201 | 0.012706367558336148 | 0.03653468583779367 | 0.02642530510170082 | 0 | 0.16643560532062637 | 0.040951593550911075 1560 | Crédit à la consommation | 0.13892635560292643 | 0.01926851911521533 | 0.05005244725663911 | 0.08606574014164287 | 0.03962063970002291 | 0.024148261502762967 | 0.004269049723525499 | 0 | 0.06917496603310959 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1.0000000000000002 | 1.0000000000000004 | 1 | 0.9999999999999998 | 0.9999999999999996 | 0.9999999999999998 | 1 | 1 | 1 (1) Commerce de gros Import-export | 0.03205059477176799 | 0.02516531372643384 | 0.05854060207542879 | 0.05401817894166574 | 0.050654800406566204 | 0.0177728247754266 | 0 | 0 | 0.04512582928669867 Produits pétroliers | 0.005704118282424044 | 0 | 0.0536872708541212 | 0.024958685852845403 | 0.008653521436004381 | 0.10429129425430402 | 0 | 0 | 0.026074385680376875 Produits pharmaceutiques | 0 | 0 | 0.0020896687300818663 | 0.002867790164056127 | 0.0018408845037124226 | 0.0006178802711200772 | 0 | 0 | 0.0017438574688723486 Produits alimentaires | 0.008802738036534618 | 0.01099419401860345 | 0.03827860364230004 | 0.06447943736041092 | 0.05042874827355871 | 0.08489643045259955 | 0 | 0 | 0.049158191134961796 Matériaux de construction | 0.005435217872689086 | 0.15320359396976113 | 0.0778519246404118 | 0.016169910332247222 | 0.11933753858847328 | 0.03760066525479155 | 0 | 0 | 0.05833401357954576 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.044852088665899396 | 0.08417694729947006 | 0.02859752179643176 | 0.06436341695359397 | 0.04765560611667916 | 0.0007802317660159508 | 0 | 0 | 0.044832690568225524 S-Total | 0.09684475762931513 | 0.2735400490142685 | 0.25904559173877545 | 0.22685741960481937 | 0.2785710993249942 | 0.24595932677425775 | - | 0 | 0.225268967718681 (2) Commerce de détail Produits pétroliers | 0.004189111827389048 | 0 | 0.004014391855429044 | 0.0011665486617489463 | 0.0017348770463548853 | 0.004448076738703526 | 0 | 0 | 0.002291940959462693 Produits pharmaceutiques | 0 | 0 | 0.00013860448825868255 | 4.228813123875291e-06 | 0.0001091382580419256 | 0.00019854111903084464 | 0 | 0 | 7.016561637524103e-05 Véhicules automobiles | 0.0010064040855946022 | 0 | 0.003808062353415466 | 0.02559117767420288 | 0.05770788887857303 | 0.04173572831133583 | 0 | 0 | 0.03146258750817694 Produits alimentaires | 0.006525995144565175 | 0 | 0.034025197999337335 | 0.014864306215874888 | 0.036932592501709056 | 0.015352075431168273 | 0 | 0 | 0.022564783579663145 Librairie ,papeterie | 7.397338625677486e-06 | 0 | 0 | 0.0007387266836909887 | 0.002278344910867879 | 7.674797940532204e-07 | 0 | 0 | 0.0009903520984834685 Appareils électro- ménagers électroni.équip. inform. | 0.00018845699482760589 | 0 | 0.004334787407877403 | 0.006619318682956672 | 0.0439714097720231 | 0.04527109446418837 | 0 | 0 | 0.021427657112564898 Matériaux de construction | 0.0034380268119164554 | 0 | 0.0013937354877970889 | 0.00246486645863814 | 0.029527983399700867 | 6.700688971156962e-05 | 0 | 0 | 0.01129155070324652 Autres | 0.03041785394158875 | 0.3498907757718453 | 0.030446787818713128 | 0.07064173196225626 | 0.03125167082124464 | 0.010573392011949513 | 0 | 0 | 0.04263643786962351 S-Total | 0.04577324614450731 | 0.3498907757718453 | 0.07816156741082815 | 0.12209090515249266 | 0.2035139055885154 | 0.11764668244588197 | - | 0 | 0.1327354754475964 [Secteur d'activitémars 22 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31MARS 2022 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3806340.3899999997 | 751340.77813 | 5352184.71543168 | 17283590.92705625 | 21119972.797130004 | 4698410 | 0 | 38666.666800000006 | 0 | 53050506.27454793 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6723839.68 | 18742.1115 | 1113870.8223752799 | 2238920.374723866 | 6266375.89879 | 3499723 | 157238.13318696004 | 78297.0935391216 | 0 | 20097007.114115227 Industries Manufacturières ( 200 à 290 ) | 2460971.6599999997 | 2219.3098800000002 | 3177750.6226125597 | 9870241.20144584 | 10544851.36189 | 2283038 | 5943.5138099999995 | 58000.000199999995 | 0 | 28403015.669838402 Prêts aux Particuliers ( 1560 ) | 3762818.8800000004 | 24680.996629999998 | 799997.4923677603 | 4028000.4407075 | 1861537.0582400002 | 315194 | 20972.005570639998 | 0 | 0 | 10813200.873515902 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5701247.550000001 | 258822.6069 | 3350318.9152000006 | 6950525.274626723 | 4797479.223069999 | 1458797 | 4728416.340484798 | 0 | 0 | 27245606.910281524 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2218689.09 | 128961.34726000001 | 315922.36718168005 | 315386.8012388 | 890547.63521 | 67105 | 0 | 0 | 0 | 3936612.24089048 Bâtiments et Travaux Publics ( 600 ) | 878106.22 | 96130.2805 | 944231.67417928 | 5519998.864267601 | 1380098.3306300002 | 534430 | 0 | 42159.9734441424 | 0 | 9395155.343021024 Électricité, Gaz et Eau ( 300 à 500 ) | 1532976.01 | 0 | 813003.07770464 | 577281.4162172 | 113160.98023 | 195754 | 0 | 0 | 0 | 3232175.4841518397 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 115904.67685744 | 17493.15918232 | 10000 | 0 | 0 | 0 | 0 | 143397.83603976 Total | 27084989.480000004 | 1280897.4307999997 | 15983184.36391032 | 46801438.4594661 | 46984023.28519 | 13052451 | 4912569.993052398 | 217123.733983264 | 0 | 156316677.74640208 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.14053320540554992 | 0.5865737256266813 | 0.3348634786142363 | 0.3692961476392497 | 0.44951392665828394 | 0.35996381062836397 | 0 | 0.17808585957249817 | #DIV/0! | 0.3393784146347684 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.24824966924816388 | 0.014632015842435089 | 0.0696901691812037 | 0.0478387085615532 | 0.13337248410493716 | 0.2681276489756598 | 0.032007306442317175 | 0.3606104781946905 | #DIV/0! | 0.12856598159487045 Industries Manufacturières ( 200 à 290 ) | 0.09086108974925838 | 0.0017326210722539304 | 0.1988183674955193 | 0.21089610760563016 | 0.22443483177001317 | 0.17491258921408706 | 0.00120985834673208 | 0.26712878935874723 | #DIV/0! | 0.18170176131760932 Prêts aux Particuliers ( 1560 ) | 0.13892635560292638 | 0.019268519115215328 | 0.05005244725663912 | 0.08606574014164288 | 0.03962063970002292 | 0.024148261502762967 | 0.004269049723525499 | 0 | #DIV/0! | 0.06917496603310959 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.21049473008693226 | 0.20206349132759932 | 0.2096152330423559 | 0.14851093264251802 | 0.10210873585579526 | 0.1117642196090221 | 0.9625137854874253 | 0 | #DIV/0! | 0.17429750493087506 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.08191581878362242 | 0.10068046368041793 | 0.01976592148276947 | 0.006738827087803101 | 0.01895426515103726 | 0.005141179997534563 | 0 | 0 | #DIV/0! | 0.025183571565389723 Bâtiments et Travaux Publics ( 600 ) | 0.03242040099917365 | 0.07504916333539734 | 0.0590765677652655 | 0.11794506848434529 | 0.02937377930052716 | 0.040944800329072294 | 0 | 0.1941748728740641 | #DIV/0! | 0.06010334583916316 Électricité, Gaz et Eau ( 300 à 500 ) | 0.05659873012437293 | 0 | 0.0508661515248728 | 0.01233469387307771 | 0.0024084991517886864 | 0.014997489743497218 | 0 | 0 | #DIV/0! | 0.020677099403273586 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.00725166363713793 | 0.00037377396417997955 | 0.00021283830759449105 | 0 | 0 | 0 | #DIV/0! | 0.0009173546809406942 Total | 0.9999999999999997 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | #DIV/0! | 0.9999999999999999 [Secteur d' activitédéc. 21 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2021 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 755.6581600000001 | 117933.009497424 | 32394.8739943 | 15929.04593 | 0 | 0 | 0 | 0 | 167012.58758172402 200 | Industrie alimentaire | 1720411.28 | 0 | 1048336.621802648 | 1480825.671031854 | 3923345.73773 | 730415 | 6691.59237 | 0 | 0 | 8910025.902934503 210 | Industrie des boissons | 769557.62 | 0 | 1353953.8356847768 | 2721194.528337106 | 2606654.1565300003 | 235343 | 0 | 29000.000099999997 | 0 | 7715703.140651884 220 | Industrie du bois | 52273.57 | 0 | 822.717152339 | 0 | 0 | 3146 | 0 | 0 | 0 | 56242.287152339 230 | Industrie chimique | 200.8 | 0 | 11526.90323 | 394273.98041547695 | 17593.20595 | 67958 | 0 | 29000.000099999997 | 0 | 520552.8896954769 240 | Industrie du textile | 926.1 | 0 | 467750.91108222003 | 1719494.0931790888 | 41989.5835 | 306993 | 0 | 0 | 0 | 2537153.687761309 250 | Industrie pharmacie | 0 | 0 | 44535.07586 | 49999.99996 | 57747.94593 | 61866 | 0 | 0 | 0 | 214149.02175 260 | Imprimerie, édition | 563.63 | 0 | 282.56783431499997 | 105701.107026279 | 95660.85068 | 23093 | 0 | 0 | 0 | 225301.15554059402 270 | Sidérurgie, aciérie | 21997.87 | 0 | 61141.04298866299 | 586987.6305431421 | 0 | 609876 | 0 | 0 | 0 | 1280002.543531805 280 | Industrie de la fabrication | 1335.95 | 1596.46617 | 204539.16144113397 | 2316445.6420845306 | 763809.26727 | 65465 | 0 | 0 | 0 | 3353191.4869656647 290 | Autres industries | 0 | 0 | 7972.265220512 | 13894.979753988 | 2103637.0977000003 | 110775 | 0 | 0 | 0 | 2236279.3426745003 300 | Production et distribution de l'électricité | 1462036.23 | 0 | 331550.49761 | 460121.66763647 | 0 | 6036 | 0 | 0 | 0 | 2259744.39524647 400 | Production et distribution de gaz | 0 | 0 | 0 | 1332.50039 | 110246.93392 | 175630 | 0 | 0 | 0 | 287209.43431 500 | Traitement et distribution de l'eau | 0 | 0 | 479359.80710776494 | 237352.02164441702 | 29237.14804 | 12433 | 0 | 0 | 0 | 758381.976792182 600 | Entrep/ batiment et corps/ métiers corresp. | 896575.31 | 93155.59782 | 1768204.822061115 | 5463597.210064706 | 1158457.90772 | 469449 | 0 | 41151.932520143346 | 0 | 9890591.780185966 700 | Commerce de gros(1) | 3140587.02 | 315886.49717 | 4062757.8947041477 | 9058898.885578278 | 13349944.726460002 | 2438573 | 0 | 38666.666800000006 | 0 | 32405314.69071243 800 | Commerce de détail(2) | 761574.8700000001 | 420280.00201999996 | 903073.706494738 | 7319485.851775953 | 7642412.660729999 | 1260547 | 0 | 0 | 0 | 18307374.09102069 900 | Rest/débits/boissons, casinos/activités/loterie | 15887.65 | 0 | 1426.8733393930002 | 3331.5931800000003 | 9489.8336 | 12585 | 0 | 0 | 0 | 42720.950119393 1000 | Hotels,motels et pensions | 2184391.75 | 0 | 74492.258058066 | 360138.44536486303 | 1151241.48952 | 257306 | 158531.075076086 | 0 | 0 | 4186101.0180190154 1100 | Transport | 888457.13 | 127611.469 | 289814.07271911297 | 345511.93133759295 | 695406.02554 | 41583 | 0 | 0 | 0 | 2388383.628596706 1200 | Immobilier résidentiel / Avance Hypothécaire | 2374284.5999999996 | 211081.46713 | 1682667.3559601528 | 443435.604702511 | 3130357.3874399997 | 1317466 | 3685024.984020527 | 0 | 0 | 12844317.39925319 1300 | Immobilier commercial | 3281487.74 | 49213.73556 | 1481449.4350384418 | 6507898.229504181 | 1777777.21905 | 124098 | 1068425.6341723513 | 0 | 0 | 14290349.993324975 1400 | Télécommunications | 1299356.2 | 0 | 8630.614311033998 | 31429.507941423 | 71635.07688000001 | 28870 | 0 | 0 | 0 | 1439921.399132457 1500 | Services financiers | 454678.8 | 0 | 221272.56872672698 | 1160407.23288199 | 1383907.30604 | 2249807 | 0 | 0 | 0 | 5470072.907648717 1510 | Services professionnels | 463821.8 | 6869.645030000001 | 204185.072982095 | 145054.97078065804 | 208071.37369 | 634802 | 0 | 41151.932520143346 | 0 | 1703956.7950028966 1520 | Services médicaux | 9529.09 | 0 | 20028.541865434 | 3608.80506 | 31282.79637 | 58489 | 0 | 0 | 0 | 122938.233295434 1530 | Services d'agence ou de représentation | 982.17 | 775.39098 | 16574.26769432 | 18633.614519274997 | 29915.74833 | 631 | 0 | 0 | 0 | 67512.191523595 1540 | Services d'enseignement | 354492.03 | 0 | 22089.862784611003 | 42476.35982138799 | 68405.13027 | 2105 | 0 | 0 | 0 | 489568.38287599897 1550 | Autres services | 3512824.75 | 10279.719539999998 | 198295.32135562904 | 619755.3937044345 | 1586267.94 | 1000463 | 0 | 35273.08501726572 | 0 | 6963159.20961733 1560 | Crédit à la consommation | 3940276.150000001 | 23845.48137 | 814307.8134983567 | 4087499.092119616 | 1682765.9938499997 | 328443 | 61418.82507620502 | 0 | 0 | 10938556.35591418 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 27608510.110000007 | 1261351.1299499997 | 15898974.898105172 | 45731181.42433353 | 43743189.588669986 | 12634246 | 4980092.110715169 | 214243.61705755242 | 0 | 152071788.87883142 (1) Commerce de gros Import-export | 893420.26 | 39152.85997 | 1190873.7224201378 | 1161544.174482765 | 2592951.77355 | 0 | 5877942.790422902 Produits pétroliers | 476432.56 | 0 | 630097.7624278101 | 2461092.6891275537 | 903168.39181 | 0 | 4470791.403365364 Produits pharmaceutiques | 0 | 0 | 21120.877911851 | 113282.196833026 | 72240.25612 | 0 | 206643.330864877 Produits alimentaires | 338941.94 | 12331.749619999999 | 1110685.7757976442 | 2786113.2249264973 | 3004472.36723 | 0 | 7252545.057574142 Matériaux de construction | 111211.41 | 159917.42 | 815179.189119247 | 277103.229456392 | 4887159.38674 | 0 | 6250570.635315639 Appareils électroménagers électron.,équipe.inform. | 75304.51975 | 0 | 75304.51975 Autres | 1320580.86 | 104484.46758 | 294800.567027457 | 2259763.3707520454 | 1814648.03126 | 0 | 0 | 0 | 5794277.296619503 S-Total | 3140587.0300000003 | 315886.49717 | 4062757.8947041472 | 9058898.88557828 | 13349944.726460002 | 0 | 0 | 0 | 0 | 29928075.033912428 (2) Commerce de détail Produits pétroliers | 110514.29 | 4834.70675 | 95527.25216 | 108715.28666000001 | 90183.49093999999 | 409775.02651 Produits pharmaceutiques | 0 | 0 | 1018.10312 | 2774.6951799999997 | 5986.179190000001 | 0 | 9778.977490000001 Véhicules automobiles | 27291.89 | 0 | 69485.00245667 | 1480545.931597639 | 2804932.97106 | 0 | 4382255.795114309 Produits alimentaires | 95628.66 | 0 | 571662.0115911119 | 547419.6378292749 | 1880782.24862 | 0 | 3095492.558040387 Librairie ,papeterie | 253.45 | 0 | 0 | 35299.606833011 | 126111.70136 | 0 | 161664.758193011 Appareils électro- ménagers électroni.équip. inform. | 1342.42 | 0 | 56677.91050052099 | 236573.19763397495 | 832717.35092 | 0 | 1127310.879054496 Matériaux de construction | 26911.91 | 0 | 28245.015413495996 | 128390.495802435 | 532900.25914 | 0 | 716447.6803559309 Autres | 468824.19 | 0 | 80458.411252939 | 4779767.000239619 | 1369101.67548 | 0 | 0 | 0 | 6698151.276972557 S-Total | 730766.81 | 4834.70675 | 903073.7064947379 | 7319485.8517759545 | 7642715.8767099995 | 0 | 0 | 0 | 0 | 16600876.95173069 [Secteur d'activitésdéc. 21% ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2021 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0.00015173577982104496 | 0.007417648637930686 | 0.0007083760573275439 | 0.0003641491642421479 | 0 | 0 | 0 | 0.0010982483260902336 200 | Industrie alimentaire | 0.0623145281344557 | 0 | 0.06593737197028897 | 0.032381093706971405 | 0.08969043580549037 | 0.0578123142449498 | 0.0013436683943259535 | 0 | 0.05859091925349732 210 | Industrie des boissons | 0.027873927891576465 | 0 | 0.08515981969668623 | 0.05950413795540302 | 0.05958994259543331 | 0.018627387815624296 | 0 | 0.13535992576250105 | 0.050737241914078114 220 | Industrie du bois | 0.0018933861259346307 | 0 | 5.174655332256992e-05 | 0 | 0 | 0.00024900575784261283 | 0 | 0 | 0.00036984037320131764 230 | Industrie chimique | 7.273119744598922e-06 | 0 | 0.0007250092099569115 | 0.008621556848861203 | 0.000402193029713518 | 0.005378872629201616 | 0 | 0.13535992576250105 | 0.003423073362477809 240 | Industrie du textile | 3.3544004957535165e-05 | 0 | 0.029420193067791197 | 0.037600036553268386 | 0.0009599113346520988 | 0.02429848207799658 | 0 | 0 | 0.016683920840721327 250 | Industrie pharmacie | 0 | 0 | 0.0028011287611572778 | 0.001093345905413129 | 0.0013201585543491648 | 0.004896691104479049 | 0 | 0 | 0.0014082100521657626 260 | Imprimerie, édition | 2.0415082079921764e-05 | 0 | 1.7772707745370185e-05 | 0.002311357453145427 | 0.0021868741529716277 | 0.0018278099065033243 | 0 | 0 | 0.0014815447178050274 270 | Sidérurgie, aciérie | 0.0007967785987854595 | 0 | 0.0038455965482371906 | 0.012835610457918466 | 0 | 0.04827165784171054 | 0 | 0 | 0.008417094011774219 280 | Industrie de la fabrication | 4.838906535257435e-05 | 0.0012656794227181485 | 0.012864927629108389 | 0.05065352719822697 | 0.01746121566470854 | 0.005181551791852082 | 0 | 0 | 0.022050056172071723 290 | Autres industries | 0 | 0 | 0.0005014326566087056 | 0.0003038403846394944 | 0.0480906197623245 | 0.008767836244442289 | 0 | 0 | 0.014705418797015238 300 | Production et distribution de l'électricité | 0.052955998863207024 | 0 | 0.020853577022095553 | 0.010061442834093055 | 0 | 0.00047774912725302325 | 0 | 0 | 0.014859721266559186 400 | Production et distribution de gaz | 0 | 0 | 0 | 2.9137676930668084e-05 | 0.0025203222480272743 | 0.013901106563858262 | 0 | 0 | 0.0018886437545549246 500 | Traitement et distribution de l'eau | 0 | 0 | 0.030150359389830513 | 0.0051901572242811595 | 0.0006683817141576885 | 0.0009840713881936445 | 0 | 0 | 0.004986999774142525 600 | Entrep/ batiment et corps/ métiers corresp. | 0.03247459955020368 | 0.0738538188202144 | 0.1112150206785878 | 0.11947203286459444 | 0.0264831604328198 | 0.03715686713714455 | 0 | 0.19208008661041542 | 0.06503896516971103 700 | Commerce de gros(1) | 0.11375431008363092 | 0.25043502135882006 | 0.25553583930674323 | 0.1980902002404435 | 0.3051891014805605 | 0.19301294275891098 | 0 | 0.1804799010166681 | 0.21309221736408002 800 | Commerce de détail(2) | 0.027584786972048594 | 0.3331982602153454 | 0.05680075050639684 | 0.160054597843415 | 0.17471091460393817 | 0.09977223809002927 | 0 | 0 | 0.12038639267673597 900 | Rest/débits/boissons, casinos/activités/loterie | 0.000575462056326081 | 0 | 8.974624770072779e-05 | 7.285167529538745e-05 | 0.0002169442532480069 | 0.0009961021813252647 | 0 | 0 | 0.00028092620225196683 1000 | Hotels,motels et pensions | 0.07912023290270913 | 0 | 0.004685349749620898 | 0.007875117898730551 | 0.02631818805042478 | 0.0203657582731886 | 0.03183296042556933 | 0 | 0.027527137340078504 1100 | Transport | 0.03218055325912695 | 0.10117045600542535 | 0.01822847539394837 | 0.0075552811140310126 | 0.015897469573643495 | 0.0032912925710010714 | 0 | 0 | 0.015705632492425896 1200 | Immobilier résidentiel | 0.08599828786632047 | 0.16734552506276926 | 0.10583495896711503 | 0.00969657006207496 | 0.07156216583371415 | 0.10427737436804697 | 0.7399511699978049 | 0 | 0.08446219705804443 1300 | Immobilier commercial | 0.11885783502715784 | 0.039016681708566626 | 0.09317892785748091 | 0.14230767775532108 | 0.04064123434452219 | 0.009822351092419761 | 0.2145393318877629 | 0 | 0.09397107838792715 1400 | Télécommunications | 0.047063611720552914 | 0 | 0.0005428409294527906 | 0.0006872664768878982 | 0.0016376281097378953 | 0.002285059195459705 | 0 | 0 | 0.009468695079793962 1500 | Services financiers | 0.016468791622164063 | 0 | 0.013917411037179389 | 0.02537452995396568 | 0.031637091831969395 | 0.17807212238862533 | 0 | 0 | 0.03597033314316564 1510 | Services professionnels | 0.01679995762726799 | 0.005446259068458055 | 0.012842656478841892 | 0.0031719051697945942 | 0.00475665756536174 | 0.05024454961538662 | 0 | 0.19208008661041542 | 0.011204950027651641 1520 | Services médicaux | 0.00034515046129014016 | 0 | 0.0012597379386906878 | 7.891344477883438e-05 | 0.0007151466700110644 | 0.004629401707074566 | 0 | 0 | 0.000808422352375886 1530 | Services d'agence ou de représentation | 3.557490049578049e-05 | 0.0006147304755898833 | 0.001042473983419856 | 0.0004074597230798867 | 0.0006838949928276044 | 4.9943621487186495e-05 | 0 | 0 | 0.0004439494795276442 1540 | Services d'enseignement | 0.012839955093107338 | 0 | 0.0013893891226436023 | 0.0009288270824944476 | 0.0015637892644142655 | 0.00016661065488197713 | 0 | 0 | 0.0032193241526610825 1550 | Autres services | 0.12723702713416718 | 0.00814976836815256 | 0.012472207964757636 | 0.013552140452130613 | 0.03626319788099912 | 0.07918660124236936 | 0 | 0.16464007423749893 | 0.04578863220426422 1560 | Crédit à la consommation | 0.1427196228373368 | 0.018904713210940116 | 0.05121762998666067 | 0.08938100798648208 | 0.03846921108573794 | 0.025996248608741668 | 0.01233286929453699 | 0 | 0.07193021425315027 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 0.9999999999999998 | 0.999552649496821 | 1 | 0.9999999999999997 | 1.0000000000000002 | 1 | 1 | 1 | 1 (1) Commerce de gros Import-export | 0.03236032138063099 | 0.031040412966968228 | 0.07490254749455987 | 0.02539939136286359 | 0.05927669650824013 | 0 | 0 | 0 | 0.03865242089777981 Produits pétroliers | 0.017256728382001048 | 0 | 0.03963134519464551 | 0.053816512333049155 | 0.02064706301261423 | 0 | 0 | 0 | 0.029399216227591205 Produits pharmaceutiques | 0 | 0 | 0.0013284427484924308 | 0.0024771325232535676 | 0.0016514629316996836 | 0 | 0 | 0 | 0.0013588538175843214 Produits alimentaires | 0.012276719701626809 | 0.009776619156387351 | 0.06985895524182599 | 0.06092370977855404 | 0.06868434596292436 | 0 | 0 | 0 | 0.04769158771028112 Matériaux de construction | 0.004028156881950628 | 0.12678263506715942 | 0.0512724370183388 | 0.006059393630905533 | 0.11172389194056012 | 0 | 0 | 0 | 0.04110276259258055 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0.0017215141478733134 | 0 | 0 | 0 | 0.0004951905958704908 Autres | 0.04783238409962861 | 0.08283535416830505 | 0.01854211160888059 | 0.04941406061181763 | 0.04148412697664863 | 0 | 0 | 0 | 0.03810224986066481 S-Total | 0.11375431044583809 | 0.25043502135882006 | 0.25553583930674323 | 0.19809020024044355 | 0.30518910148056044 | 0 | - | 0 | 0.1968022817023523 (2) Commerce de détail Produits pétroliers | 0.004002906696510614 | 0.0038329586704311663 | 0.00600839065236746 | 0.002377268272412326 | 0.0020616578669278977 | 0 | 0 | 0 | 0.002694615678102549 Produits pharmaceutiques | 0 | 0 | 6.403577126984059e-05 | 6.067403232499011e-05 | 0.00013684825560938277 | 0 | 0 | 0 | 6.430500727384582e-05 Véhicules automobiles | 0.0009885317929602682 | 0 | 0.0043704077087983306 | 0.03237497666766688 | 0.06412273538888237 | 0 | 0 | 0 | 0.028817020089150304 Produits alimentaires | 0.0034637385218901254 | 0 | 0.035955903777119755 | 0.011970380400843816 | 0.04299600157888681 | 0 | 0 | 0 | 0.020355468827336742 Librairie ,papeterie | 9.180140434604565e-06 | 0 | 0 | 0.0007718936124888325 | 0.0028830019608964332 | 0 | 0 | 0 | 0.0010630818469678364 Appareils électro- ménagers électroni.équip. inform. | 4.8623413384185686e-05 | 0 | 0.003564878293334234 | 0.00517312674341045 | 0.019036502796213193 | 0 | 0 | 0 | 0.007413017808008565 Matériaux de construction | 0.000974768645347954 | 0 | 0.001776530599898124 | 0.00280750445983708 | 0.012182473755366654 | 0 | 0 | 0 | 0.004711246481928256 Autres | 0.016981147774076676 | 0 | 0.005060603703609091 | 0.10451877365443064 | 0.03129862473116533 | 0 | 0 | 0 | 0.04404598200859955 S-Total | 0.026468896984604428 | 0.0038329586704311663 | 0.05680075050639683 | 0.16005459784341503 | 0.17471784633394807 | 0 | - | 0 | 0.10916473774736764 [Secteur d'activitédéc. 21 (gl] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2021 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3643469.17 | 716357.82894 | 3960366.6867929343 | 15350194.393599492 | 20929651.16951 | 3792476 | 0 | 85414.7308 | 0 | 48477929.97964243 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6860452.4 | 24556.88653 | 689334.927353312 | 1857308.6466746225 | 4747676.54499 | 3996538.76 | 179598.65541773205 | 38701.94451023381 | 0 | 18394168.765475903 Industries Manufacturières ( 200 à 290 ) | 2559975.1600000006 | 2473.17154 | 3236656.7834506314 | 9596419.195163121 | 10296707.221719999 | 2085963.91 | 9677.551660000001 | 89165.3762 | 0 | 27877038.369733755 Prêts aux Particuliers ( 1560 ) | 4046495.7500000005 | 23201.31443 | 798814.7852079406 | 4155413.399368087 | 1740542.11162 | 357009 | 59354.34952225199 | 0 | 0 | 11180830.710148279 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5592887.94 | 262316.72138 | 3219761.680881584 | 7228454.036021367 | 4910083.47477 | 1452515 | 4781342.9900908675 | 0 | 0 | 27447361.84314382 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2309147.9299999997 | 127298.30116 | 298042.911278942 | 359473.84872118395 | 1297864.91766 | 61204 | 0 | 0 | 0 | 4453031.908820125 Bâtiments et Travaux Publics ( 600 ) | 922687.93 | 91822.93944 | 1817993.7379610222 | 4188872.843977354 | 1376078.19803 | 461145.91 | 0 | 38701.94451023381 | 0 | 8897303.50391861 Électricité, Gaz et Eau ( 300 à 500 ) | 1425799.17 | 0 | 791274.443475094 | 642952.040235598 | 71930.72667999999 | 188632.42 | 0 | 0 | 0 | 3120588.800390692 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 117735.89075802201 | 30439.018780000002 | 23427.30214 | 0 | 0 | 0 | 0 | 171602.211678022 Total | 27360915.450000003 | 1248027.16342 | 14929981.847159484 | 43409527.42254083 | 45393961.66712 | 12395485 | 5029973.546690851 | 251983.9960204676 | 0 | 150019856.09295166 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1331632772543069 | 0.5739921773633089 | 0.26526265921391035 | 0.35361348775312285 | 0.46106685560934146 | 0.3059562413249663 | 0 | 0.3389688716304909 | #DIV/0! | 0.3231434240918463 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.25073913965111866 | 0.01967656414040392 | 0.04617118322112776 | 0.04278573753166906 | 0.10458828378552522 | 0.3224189097885238 | 0.035705685875005735 | 0.15358889898345057 | #DIV/0! | 0.12261156119279941 Industries Manufacturières ( 200 à 290 ) | 0.09356321299549208 | 0.001981664832696995 | 0.21678906354909092 | 0.22106711970746049 | 0.2268298875790382 | 0.16828417040559526 | 0.0019239766512026144 | 0.3538533304026081 | #DIV/0! | 0.18582232442924929 Prêts aux Particuliers ( 1560 ) | 0.1478932880515151 | 0.018590392188596965 | 0.053504069421217666 | 0.09572583822256372 | 0.038343031709451324 | 0.028801535397767815 | 0.011800131545681861 | 0 | #DIV/0! | 0.07452900570188978 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.20441157936475404 | 0.21018510579622876 | 0.21565744110359802 | 0.16651768552237037 | 0.10816600478222851 | 0.11718097355609725 | 0.9505702059281098 | 0 | #DIV/0! | 0.18295819338833091 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.08439585781476473 | 0.1019996237991818 | 0.019962710894765517 | 0.008280989682797689 | 0.028591135692835477 | 0.004937604297048482 | 0 | 0 | #DIV/0! | 0.02968295014268675 Bâtiments et Travaux Publics ( 600 ) | 0.03372284570251833 | 0.07357447187958258 | 0.1217679804685701 | 0.09649662396007196 | 0.030314124334883254 | 0.037202732285182866 | 0 | 0.15358889898345057 | #DIV/0! | 0.05930750592378838 Électricité, Gaz et Eau ( 300 à 500 ) | 0.0521107991655301 | 0 | 0.05299902247541169 | 0.014811311673062324 | 0.0015845879944887304 | 0.015217832944818216 | 0 | 0 | #DIV/0! | 0.020801171802599175 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007885869652307845 | 0.0007012059468814729 | 0.0005160885122077589 | 0 | 0 | 0 | #DIV/0! | 0.0011438633268098725 Total | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999999 | 1 | 0.9999999999999998 | 1 | 1 | 1.0000000000000002 | #DIV/0! | 1 [Secteur d' activitésept. 21 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 septembre 2021 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 117735.89075802201 | 30439.018780000002 | 23427.30214 | 0 | 0 | 0 | 0 | 171602.211678022 200 | Industrie alimentaire | 1725923 | 755.6581600000001 | 1101218.8537993599 | 1441207.8998994257 | 4446921.9990799995 | 647704.2 | 9677.551660000001 | 60165.376099999994 | 0 | 9433574.538698783 210 | Industrie des boissons | 771049.93 | 0 | 1346899.013809254 | 3335748.4929787177 | 2723746.88568 | 232127.31 | 0 | 0 | 0 | 8409571.632467972 220 | Industrie du bois | 51149.68 | 0 | 962.8797208020001 | 0 | 0 | 6475.83 | 0 | 0 | 0 | 58588.389720802 230 | Industrie chimique | 46.4 | 0 | 11223.323600000002 | 408880.7152732859 | 17803.6372 | 61739.8 | 0 | 29000.000099999997 | 0 | 528693.8761732859 240 | Industrie du textile | 0 | 0 | 469005.398232068 | 1907513.885113774 | 6328.416990000001 | 197993.15 | 0 | 0 | 0 | 2580840.850335842 250 | Industrie pharmacie | 0 | 0 | 46159.51654 | 62499.99997 | 88663.19294 | 75921.73 | 0 | 0 | 0 | 273244.43944999995 260 | Imprimerie, édition | 0 | 0 | 410.873918934 | 87698.55348195 | 109337.33653 | 22224.89 | 0 | 0 | 0 | 219671.65393088403 270 | Sidérurgie, aciérie | 10436.68 | 0 | 36548.54607461201 | 101516.45085 | 0 | 587963 | 0 | 0 | 0 | 736464.676924612 280 | Industrie de la fabrication | 1369.47 | 1717.5133799999999 | 213657.902917444 | 2238118.0746563803 | 367930.51833999995 | 96285 | 0 | 0 | 0 | 2919078.479293824 290 | Autres industries | 0 | 0 | 10570.474838158001 | 13235.122939588002 | 2535975.23496 | 157529 | 0 | 0 | 0 | 2717309.832737746 300 | Production et distribution de l'électricité | 1425799.17 | 0 | 331555.47832 | 440826.979893628 | 2434.795 | 4867 | 0 | 0 | 0 | 2205483.4232136277 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 46870.27244 | 175796 | 0 | 0 | 0 | 222666.27244 500 | Traitement et distribution de l'eau | 0 | 0 | 459718.96515509405 | 202125.06034197 | 22625.659239999997 | 7969.42 | 0 | 0 | 0 | 692439.104737064 600 | Entrep/ batiment et corps/ métiers corresp. | 922687.93 | 91822.93944 | 1817993.7379610222 | 4188872.843977354 | 1376078.19803 | 461145.91 | 0 | 38701.94451023381 | 0 | 8897303.50391861 700 | Commerce de gros(1) | 2890475.7800000003 | 306141.58816000004 | 3210527.2711612303 | 7948397.675164118 | 13190098.833150001 | 2723523 | 0 | 62040.698800000006 | 0 | 30331204.84643535 800 | Commerce de détail(2) | 752993.3899999999 | 410216.24078 | 749839.4156317039 | 7401796.718435373 | 7739552.33636 | 1068953 | 0 | 23374.032 | 0 | 18146725.13320708 900 | Rest/débits/boissons, casinos/activités/loterie | 135822.57 | 0 | 1584.93292389 | 4382.4981 | 11046.75601 | 16753 | 0 | 0 | 0 | 169589.75703389003 1000 | Hotels,motels et pensions | 2167734.5300000003 | 0 | 62536.688376305996 | 360233.35082 | 1169355.28454 | 272127.76 | 179598.65541773205 | 0 | 0 | 4211586.269154038 1100 | Transport | 859337.47 | 127298.30116 | 284956.101641328 | 297645.60229500796 | 681560.37578 | 30943 | 0 | 0 | 0 | 2281740.850876336 1200 | Immobilier résidentiel / Avance Hypothécaire | 2305279.2300000004 | 212300.89839 | 1685179.0719015982 | 575881.6484519719 | 3108512.08248 | 1328535 | 3688630.2771461615 | 0 | 0 | 12904318.208369732 1300 | Immobilier commercial | 3287608.71 | 50015.82299 | 1534582.608979986 | 6652572.387569395 | 1801571.39229 | 123980 | 1092712.7129447057 | 0 | 0 | 14543043.634774085 1400 | Télécommunications | 1449810.46 | 0 | 13086.809637614002 | 61828.246426175996 | 616304.54188 | 30261 | 0 | 0 | 0 | 2171291.05794379 1500 | Services financiers | 362275.06 | 0 | 235055.83570200801 | 713207.4704187119 | 2202899.06331 | 2123719 | 0 | 0 | 0 | 5637156.429430719 1510 | Services professionnels | 452440.05 | 7360.44085 | 200766.47033301 | 138622.89928444 | 200543.6393 | 615281 | 0 | 38701.94451023381 | 0 | 1653716.444277684 1520 | Services médicaux | 10130.16 | 0 | 20208.984651424 | 4067.56881 | 51920.874149999996 | 39159 | 0 | 0 | 0 | 125486.587611424 1530 | Services d'agence ou de représentation | 1017.61 | 775.39098 | 17776.199911518 | 18977.402595832 | 30108.52082 | 165 | 0 | 0 | 0 | 68820.12430735001 1540 | Services d'enseignement | 361981.27 | 0 | 22547.493567212 | 44545.02304078 | 67665.08784000001 | 2562 | 0 | 0 | 0 | 499300.874447992 1550 | Autres services | 3369051.15 | 16421.0547 | 128858.32188794398 | 573272.4336048584 | 1014137.3190199999 | 926772 | 0 | 0 | 0 | 6028512.279212803 1560 | Crédit à la consommation | 4046495.7500000005 | 23201.31443 | 798814.7852079406 | 4155413.399368087 | 1740542.11162 | 357009 | 59354.34952225199 | 0 | 0 | 11180830.710148279 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 27360915.45 | 1248027.1634199999 | 14929981.847159483 | 43409527.42254082 | 45393961.66712 | 12395485 | 5029973.5466908505 | 251983.9960204676 | 0 | 150019856.09295163 (1) Commerce de gros Import-export | 719670.866680296 | 39135.98107 | 695475.6409186699 | 1172312.74932503 | 3115213.6538899997 | 0 | 5741808.891883995 Produits pétroliers | 341728.38847 | 0 | 682384.208935142 | 2200952.8133710423 | 871380.07635 | 0 | 4096445.4871261846 Produits pharmaceutiques | 0 | 0 | 22767.817037883997 | 52481.079748521995 | 65331.536340000006 | 0 | 140580.433126406 Produits alimentaires | 454907.627946444 | 8133.9889 | 1032360.043869012 | 2425426.068280332 | 3243761.68653 | 0 | 7164589.415525788 Matériaux de construction | 0 | 156201.85666 | 446724.97009194794 | 136190.967297058 | 3881093.27047 | 0 | 4620211.064519006 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1374168.894805964 | 102669.76153 | 330814.59030857397 | 1961033.9971421324 | 2013318.60957 | 0 | 0 | 0 | 5782005.853356671 S-Total | 2890475.777902704 | 306141.58816 | 3210527.27116123 | 7948397.675164116 | 13190098.83315 | 0 | 0 | 0 | 0 | 27545641.145538054 (2) Commerce de détail Produits pétroliers | 140310.85195000004 | 4834.70288 | 79199.336063918 | 71423.94340999999 | 191796.94725 | 487565.78155391803 Produits pharmaceutiques | 0 | 0 | 956.0439299999999 | 2843.35281 | 6042.5089800000005 | 0 | 9841.90572 Véhicules automobiles | 28005.73441 | 0 | 25574.04872918 | 1259196.057769652 | 2903232.4510100004 | 0 | 4216008.291918833 Produits alimentaires | 93983.53403 | 0 | 473486.0725663021 | 549772.2543618999 | 1992763.59428 | 0 | 3110005.455238202 Librairie ,papeterie | 389.05395999999996 | 0 | 0 | 41098.737237292 | 122524.33037000001 | 0 | 164012.12156729202 Appareils électro- ménagers électroni.équip. inform. | 29184.83156 | 0 | 56373.681265527994 | 209133.254089614 | 762261.1493500001 | 0 | 1056952.9162651422 Matériaux de construction | 0 | 0 | 28708.773416314 | 143479.182217688 | 534431.45592 | 0 | 706619.411554002 Autres | 461119.388583442 | 405381.5379 | 85541.459660462 | 5124849.936539243 | 1226499.8991999999 | 0 | 0 | 0 | 7303392.221883147 S-Total | 752993.394493442 | 410216.24078 | 749839.415631704 | 7401796.718435389 | 7739552.33636 | 0 | 0 | 0 | 0 | 17054398.105700538 [Secteur d'activitéssept. 21%] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2021 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.007885869652307847 | 0.000701205946881473 | 0.0005160885122077589 | 0 | 0 | 0 | 0.0011438633268098727 200 | Industrie alimentaire | 0.0630798703776558 | 0.0006054821418543897 | 0.0737588876579159 | 0.033200266979894935 | 0.09796285311447091 | 0.05225323575479297 | 0.0019239766512026146 | 0.2387666560185553 | 0.06288217296284955 210 | Industrie des boissons | 0.028180706577929947 | 0 | 0.09021437719065341 | 0.0768436951756954 | 0.06000240529023663 | 0.018726763010886625 | 0 | 0 | 0.05605639047712084 220 | Industrie du bois | 0.0018694432974463945 | 0 | 6.449302689441606e-05 | 0 | 0 | 0.0005224345800103828 | 0 | 0 | 0.0003905375678036972 230 | Industrie chimique | 1.6958496905848229e-06 | 0 | 0.0007517305590117181 | 0.009419146891264487 | 0.0003922027632343803 | 0.004980829713399678 | 0 | 0.11508667438405275 | 0.003524159334253124 240 | Industrie du textile | 0 | 0 | 0.03141366165299786 | 0.04394228636829801 | 0.00013941098678293666 | 0.015973005493532522 | 0 | 0 | 0.017203328396320848 250 | Industrie pharmacie | 0 | 0 | 0.003091732931261542 | 0.0014397760971142537 | 0.001953193545656558 | 0.006124950334738818 | 0 | 0 | 0.0018213884919386866 260 | Imprimerie, édition | 0 | 0 | 2.7520054822583136e-05 | 0.002020260497846647 | 0.0024086317323829395 | 0.0017929826868412168 | 0 | 0 | 0.0014642838598297046 270 | Sidérurgie, aciérie | 0.00038144483941234507 | 0 | 0.002447996685378796 | 0.0023385753514857796 | 0 | 0.047433642168902626 | 0 | 0 | 0.004909114673915577 280 | Industrie de la fabrication | 5.0052053357008564e-05 | 0.0013761826908426057 | 0.01431066059588637 | 0.05155822252730205 | 0.00810527446443392 | 0.0077677476920023705 | 0 | 0 | 0.0194579474698681 290 | Autres industries | 0 | 0 | 0.0007080031942683907 | 0.0003048898185589446 | 0.055865915681839934 | 0.012708578970488044 | 0 | 0 | 0.01811300119534919 300 | Production et distribution de l'électricité | 0.05211079916553011 | 0 | 0.02220735977539587 | 0.010155074382697018 | 5.363697969026537e-05 | 0.0003926429663704163 | 0 | 0 | 0.014701276755305779 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.0010325221839791376 | 0.014182260718318001 | 0 | 0 | 0.0014842453408436614 500 | Traitement et distribution de l'eau | 0 | 0 | 0.030791662700015827 | 0.004656237290365308 | 0.0004984288308193276 | 0.0006429292601297972 | 0 | 0 | 0.0046156497064497376 600 | Entrep/ batiment et corps/ métiers corresp. | 0.033722845702518336 | 0.07357447187958259 | 0.12176798046857011 | 0.09649662396007197 | 0.030314124334883254 | 0.037202732285182866 | 0 | 0.15358889898345057 | 0.05930750592378839 700 | Commerce de gros(1) | 0.10564250985249839 | 0.24530042064234614 | 0.21503892663955596 | 0.18310260781684612 | 0.2905694578912227 | 0.2197189541191813 | 0 | 0.24620888540461394 | 0.2021812687757964 800 | Commerce de détail(2) | 0.02752076740180855 | 0.3286917567209629 | 0.050223732574354425 | 0.1705108799362768 | 0.17049739771811884 | 0.08623728720578501 | 0 | 0.09275998622587692 | 0.12096215531604997 900 | Rest/débits/boissons, casinos/activités/loterie | 0.004964109123037402 | 0 | 0.00010615772611883938 | 0.00010095705620891751 | 0.00024335298361943686 | 0.001351540500432214 | 0 | 0 | 0.0011304487382577742 1000 | Hotels,motels et pensions | 0.07922741232695123 | 0 | 0.004188664729569244 | 0.008298485890287423 | 0.025760150504488655 | 0.02195378075162045 | 0.03570568587500574 | 0 | 0.02807352559080285 1100 | Transport | 0.03140748238378113 | 0.10199962379918183 | 0.019086165312085936 | 0.006856688380819658 | 0.015014340030023674 | 0.0024963121652763084 | 0 | 0 | 0.015209592318650003 1200 | Immobilier résidentiel | 0.08425446269196378 | 0.17010919682887876 | 0.11287214473219292 | 0.013266250121694247 | 0.06847853697536106 | 0.10717894459151861 | 0.7333299554970543 | 0 | 0.08601740159232171 1300 | Immobilier commercial | 0.12015711667279028 | 0.040075908967350034 | 0.10278529637140513 | 0.15325143540067615 | 0.03968746780686745 | 0.010002028964578635 | 0.2172402504310557 | 0 | 0.0969407917960092 1400 | Télécommunications | 0.052988375430983614 | 0 | 0.0008765455826795828 | 0.0014243013019780324 | 0.013576795662811801 | 0.0024412921317721733 | 0 | 0 | 0.01447335782403676 1500 | Services financiers | 0.013240604491543064 | 0 | 0.015743879537718847 | 0.0164297450989612 | 0.04852846022702653 | 0.1713300447703337 | 0 | 0 | 0.03757606877010976 1510 | Services professionnels | 0.016535998250014693 | 0.005897660776733417 | 0.013447201234957094 | 0.003193374991971433 | 0.004417848364295969 | 0.049637509141433354 | 0 | 0.15358889898345057 | 0.011023317095125386 1520 | Services médicaux | 0.00037024199787876616 | 0 | 0.0013535840068867116 | 9.370221358106458e-05 | 0.001143783715788957 | 0.0031591341524756797 | 0 | 0 | 0.0008364665243624355 1530 | Services d'agence ou de représentation | 3.71921035266384e-05 | 0.0006212933522017076 | 0.0011906377444725446 | 0.0004371713704945288 | 0.0006632714950237173 | 1.3311298428419702e-05 | 0 | 0 | 0.0004587401034747652 1540 | Services d'enseignement | 0.013229866912219855 | 0 | 0.0015102157389094077 | 0.0010261577512048555 | 0.0014906186936535118 | 0.00020668816105218958 | 0 | 0 | 0.003328231925103484 1550 | Autres services | 0.12313371444594702 | 0.013157610011468802 | 0.008630842502495075 | 0.01320614315895964 | 0.022340797801628433 | 0.07476690101274779 | 0 | 0 | 0.04018476244556296 1560 | Crédit à la consommation | 0.14789328805151514 | 0.01859039218859697 | 0.05350406942121767 | 0.09572583822256374 | 0.038343031709451324 | 0.028801535397767815 | 0.011800131545681864 | 0 | 0.07452900570188979 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1 (1) Commerce de gros Import-export | 0.026302879667730417 | 0.031358276660224844 | 0.046582484026997543 | 0.027005886010090383 | 0.06862616831582752 | 0 | 0 | 0 | 0.03827365951028774 Produits pétroliers | 0.01248965478126939 | 0 | 0.04570562884274167 | 0.05070206804942493 | 0.019195946869320347 | 0 | 0 | 0 | 0.02730602197477143 Produits pharmaceutiques | 0 | 0 | 0.0015249728546867394 | 0.001208976067343011 | 0.0014392120436432694 | 0 | 0 | 0 | 0.000937078842678685 Produits alimentaires | 0.016626184484863207 | 0.006517477454345007 | 0.06914677153913786 | 0.05587312768166432 | 0.07145799942108906 | 0 | 0 | 0 | 0.04775760757353774 Matériaux de construction | 0 | 0.1251590199623189 | 0.029921333774222906 | 0.0031373519912206993 | 0.08549800739866188 | 0 | 0 | 0 | 0.030797330332435088 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.05022379084198238 | 0.08226564656545736 | 0.02215773560176923 | 0.04517519801710272 | 0.04435212384268055 | 0 | 0 | 0 | 0.038541603784596125 S-Total | 0.10564250977584538 | 0.24530042064234614 | 0.21503892663955596 | 0.18310260781684606 | 0.2905694578912226 | 0 | - | 0 | 0.18361330201830678 (2) Commerce de détail Produits pétroliers | 0.005128149027265097 | 0.0038738763239346036 | 0.005304717505667037 | 0.001645351784523515 | 0.004225164321556085 | 0 | 0 | 0 | 0.0032500083272431917 Produits pharmaceutiques | 0 | 0 | 6.403517028936596e-05 | 6.550066261545066e-05 | 0.00013311261582125235 | 0 | 0 | 0 | 6.560402053646819e-05 Véhicules automobiles | 0.0010235671559008456 | 0 | 0.0017129323391672853 | 0.02900736618283944 | 0.06395635772660233 | 0 | 0 | 0 | 0.02810300184068043 Produits alimentaires | 0.0034349557565699065 | 0 | 0.03171377416352222 | 0.012664783217069193 | 0.04389930997636211 | 0 | 0 | 0 | 0.0207306255067413 Librairie ,papeterie | 1.4219332708767242e-05 | 0 | 0 | 0.0009467676723877689 | 0.0026991327892570234 | 0 | 0 | 0 | 0.0010932694233866673 Appareils électro- ménagers électroni.équip. inform. | 0.0010666613700602624 | 0 | 0.0037758707172342223 | 0.004817680967911655 | 0.016792126559469805 | 0 | 0 | 0 | 0.007045420144985734 Matériaux de construction | 0 | 0 | 0.0019228940604355802 | 0.0033052463534349614 | 0.011773183839715453 | 0 | 0 | 0 | 0.004710172572863847 Autres | 0.016853214923532173 | 0.3248178803970283 | 0.0057295086180387264 | 0.11805818309549518 | 0.027019009889334793 | 0 | 0 | 0 | 0.048682837139625026 S-Total | 0.027520767566037052 | 0.3286917567209629 | 0.05022373257435444 | 0.17051087993627717 | 0.17049739771811884 | 0 | - | 0 | 0.11368093897606267 [Secteur d'activitésept. 21 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2021 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3643469.17 | 716357.82894 | 3960366.6867929343 | 15350194.393599492 | 20929651.16951 | 3792476 | 0 | 85414.7308 | 0 | 48477929.97964243 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6860452.4 | 24556.88653 | 689334.927353312 | 1857308.6466746225 | 4747676.54499 | 3996538.76 | 179598.65541773205 | 38701.94451023381 | 0 | 18394168.765475903 Industries Manufacturières ( 200 à 290 ) | 2559975.1600000006 | 2473.17154 | 3236656.7834506314 | 9596419.195163121 | 10296707.221719999 | 2085963.91 | 9677.551660000001 | 89165.3762 | 0 | 27877038.369733755 Prêts aux Particuliers ( 1560 ) | 4046495.7500000005 | 23201.31443 | 798814.7852079406 | 4155413.399368087 | 1740542.11162 | 357009 | 59354.34952225199 | 0 | 0 | 11180830.710148279 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5592887.94 | 262316.72138 | 3219761.680881584 | 7228454.036021367 | 4910083.47477 | 1452515 | 4781342.9900908675 | 0 | 0 | 27447361.84314382 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2309147.9299999997 | 127298.30116 | 298042.911278942 | 359473.84872118395 | 1297864.91766 | 61204 | 0 | 0 | 0 | 4453031.908820125 Bâtiments et Travaux Publics ( 600 ) | 922687.93 | 91822.93944 | 1817993.7379610222 | 4188872.843977354 | 1376078.19803 | 461145.91 | 0 | 38701.94451023381 | 0 | 8897303.50391861 Électricité, Gaz et Eau ( 300 à 500 ) | 1425799.17 | 0 | 791274.443475094 | 642952.040235598 | 71930.72667999999 | 188632.42 | 0 | 0 | 0 | 3120588.800390692 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 117735.89075802201 | 30439.018780000002 | 23427.30214 | 0 | 0 | 0 | 0 | 171602.211678022 Total | 27360915.450000003 | 1248027.16342 | 14929981.847159484 | 43409527.42254083 | 45393961.66712 | 12395485 | 5029973.546690851 | 251983.9960204676 | 0 | 150019856.09295166 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1331632772543069 | 0.5739921773633089 | 0.26526265921391035 | 0.35361348775312285 | 0.46106685560934146 | 0.3059562413249663 | 0 | 0.3389688716304909 | #DIV/0! | 0.3231434240918463 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.25073913965111866 | 0.01967656414040392 | 0.04617118322112776 | 0.04278573753166906 | 0.10458828378552522 | 0.3224189097885238 | 0.035705685875005735 | 0.15358889898345057 | #DIV/0! | 0.12261156119279941 Industries Manufacturières ( 200 à 290 ) | 0.09356321299549208 | 0.001981664832696995 | 0.21678906354909092 | 0.22106711970746049 | 0.2268298875790382 | 0.16828417040559526 | 0.0019239766512026144 | 0.3538533304026081 | #DIV/0! | 0.18582232442924929 Prêts aux Particuliers ( 1560 ) | 0.1478932880515151 | 0.018590392188596965 | 0.053504069421217666 | 0.09572583822256372 | 0.038343031709451324 | 0.028801535397767815 | 0.011800131545681861 | 0 | #DIV/0! | 0.07452900570188978 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.20441157936475404 | 0.21018510579622876 | 0.21565744110359802 | 0.16651768552237037 | 0.10816600478222851 | 0.11718097355609725 | 0.9505702059281098 | 0 | #DIV/0! | 0.18295819338833091 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.08439585781476473 | 0.1019996237991818 | 0.019962710894765517 | 0.008280989682797689 | 0.028591135692835477 | 0.004937604297048482 | 0 | 0 | #DIV/0! | 0.02968295014268675 Bâtiments et Travaux Publics ( 600 ) | 0.03372284570251833 | 0.07357447187958258 | 0.1217679804685701 | 0.09649662396007196 | 0.030314124334883254 | 0.037202732285182866 | 0 | 0.15358889898345057 | #DIV/0! | 0.05930750592378838 Électricité, Gaz et Eau ( 300 à 500 ) | 0.0521107991655301 | 0 | 0.05299902247541169 | 0.014811311673062324 | 0.0015845879944887304 | 0.015217832944818216 | 0 | 0 | #DIV/0! | 0.020801171802599175 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007885869652307845 | 0.0007012059468814729 | 0.0005160885122077589 | 0 | 0 | 0 | #DIV/0! | 0.0011438633268098725 Total | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999999 | 1 | 0.9999999999999998 | 1 | 1 | 1.0000000000000002 | #DIV/0! | 1 [Secteur d' activitéjuin 21 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2021 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 116187.993130792 | 20092.297100008003 | 35413.58437 | 0 | 0 | 0 | 0 | 171693.87460080002 200 | Industrie alimentaire | 1370957.4000000001 | 755.6581600000001 | 1153519.3873345922 | 1385122.9727735436 | 3138962.7466800003 | 727752 | 9618.8578 | 112244.01929999999 | 0 | 7898933.042048136 210 | Industrie des boissons | 772501.77 | 0 | 1295062.032453448 | 2904171.95801336 | 2710609.3815 | 225659 | 0 | 0 | 0 | 7908004.141966809 220 | Industrie du bois | 49820.77 | 0 | 827.2039714239999 | 13487.720436783999 | 0 | 3 | 0 | 0 | 0 | 64138.694408208 230 | Industrie chimique | 94.59 | 0 | 11816.21036 | 449113.75865649624 | 30382.050199999998 | 61482 | 0 | 81333.3335 | 0 | 634221.9427164962 240 | Industrie du textile | 0 | 0 | 465473.91026237595 | 1868702.8383712717 | 5157.02207 | 218957 | 0 | 0 | 0 | 2558290.7707036478 250 | Industrie pharmacie | 0 | 0 | 19037.80458 | 74999.99998000001 | 80459.37589 | 84165 | 0 | 0 | 0 | 258662.18044999999 260 | Imprimerie, édition | 6289.68 | 0 | 372.14283792000003 | 99978.38544554399 | 152384.72842 | 49818 | 0 | 0 | 0 | 308842.936703464 270 | Sidérurgie, aciérie | 23169.09 | 0 | 21240.531607407996 | 185774.138592536 | 0 | 598547 | 0 | 0 | 0 | 828730.760199944 280 | Industrie de la fabrication | 1433.51 | 1840.81045 | 232493.583504016 | 2360337.8206758006 | 425790.8518 | 119800 | 0 | 0 | 0 | 3141696.5764298164 290 | Autres industries | 0 | 0 | 25387.112151295998 | 97267.139351152 | 1081678.23975 | 188691 | 0 | 0 | 0 | 1393023.491252448 300 | Production et distribution de l'électricité | 1333322.96 | 0 | 331560.424216288 | 665071.145341216 | 2266.66 | 4235 | 0 | 0 | 0 | 2336456.1895575044 400 | Production et distribution de gaz | 0 | 0 | 4927.2576500000005 | 401584.0434978 | 50557.25931 | 168851 | 0 | 0 | 0 | 625919.5604578 500 | Traitement et distribution de l'eau | 0 | 0 | 442186.8260399999 | 265784.885061144 | 26020.840600000003 | 0 | 0 | 0 | 0 | 733992.5517011438 600 | Entrep/ batiment et corps/ métiers corresp. | 872963.46 | 88097.50629 | 1839218.753801248 | 4802353.006080928 | 1029517.334 | 425782 | 0 | 89530.27228 | 0 | 9147462.332452176 700 | Commerce de gros(1) | 3142863.11 | 296186.21075 | 2966466.3459586636 | 8898024.357695095 | 10709785.642649999 | 2950941 | 0 | 120908.2998 | 0 | 29085174.96685376 800 | Commerce de détail(2) | 1011782.69 | 397549.38430000003 | 686956.6828209119 | 7199227.084055676 | 6947644.443100001 | 1101552 | 0 | 88374.9664 | 0 | 17433087.25067659 900 | Rest/débits/boissons, casinos/activités/loterie | 127719.48000000001 | 0 | 1653.1287671839998 | 5052.02236248 | 11867.66142 | 12947 | 0 | 0 | 0 | 159239.292549664 1000 | Hotels,motels et pensions | 2136969.1300000004 | 0 | 115819.61035055203 | 367038.57918999996 | 1115109.78406 | 278988 | 159127.88071753603 | 0 | 0 | 4173052.9843180883 1100 | Transport | 836194.9 | 129045.9157 | 375975.98223968 | 324001.46816407196 | 672703.86273 | 29378 | 0 | 0 | 0 | 2367300.128833752 1200 | Immobilier résidentiel / Avance Hypothécaire | 2276406.6100000003 | 212248.15480000002 | 1683370.5063489918 | 537214.3505374956 | 3103062.76243 | 1256706 | 3619349.778547144 | 0 | 0 | 12688358.162663631 1300 | Immobilier commercial | 3282226.25 | 50617.27198 | 1469264.6255430402 | 6623698.60952116 | 1372789.96139 | 106387 | 1030148.2982725682 | 0 | 0 | 13935132.016706768 1400 | Télécommunications | 1624582.06 | 0 | 13965.767899032002 | 55528.327840000005 | 721517.32036 | 30609 | 0 | 0 | 0 | 2446202.476099032 1500 | Services financiers | 192755.85 | 0 | 229897.74587748002 | 666006.8674435599 | 1930023.96044 | 2039805 | 0 | 80389.809165184 | 0 | 5138879.232926224 1510 | Services professionnels | 419981.72 | 7354.93487 | 280904.89627196797 | 132447.02827877598 | 269849.08043000003 | 397365 | 0 | 0 | 0 | 1507902.659850744 1520 | Services médicaux | 10705.91 | 0 | 18479.549216439995 | 4844.15037 | 53207.81258 | 38452 | 0 | 0 | 0 | 125689.42216644 1530 | Services d'agence ou de représentation | 656.21 | 775.39098 | 17487.562778831998 | 18646.651872096 | 23924.493710000002 | 15 | 0 | 0 | 0 | 61505.309340928005 1540 | Services d'enseignement | 360815.84 | 0 | 24673.660309968 | 70572.461184912 | 45933.32884 | 4124 | 0 | 0 | 0 | 506119.29033488 1550 | Autres services | 5036669.38 | 9188.179699999999 | 135291.62949312798 | 135295.5313779382 | 950982.30344 | 560704 | 0 | 0 | 0 | 6828131.024011066 1560 | Crédit à la consommation | 4060086.3 | 22864.024579999998 | 827041.3485420321 | 4097356.9608707107 | 1809222.04143 | 345254 | 65626.712228256 | 0 | 0 | 11227451.387650998 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 28950968.67 | 1216523.4425599999 | 14806560.21631872 | 44728796.56014157 | 38506824.533599995 | 12026969 | 4883871.527565504 | 572780.700445184 | 0 | 145693294.65063095 (1) Commerce de gros Import-export | 724900.8099999999 | 39093.4371 | 881635.7112470559 | 1349254.3983187599 | 3341668.59598 | 0 | 6336552.952645816 Produits pétroliers | 523285.27 | 0 | 566893.5595917361 | 2975398.6541341525 | 421041.2426 | 0 | 4486618.726325888 Produits pharmaceutiques | 0 | 0 | 21009.32729608 | 48336.35817888801 | 71578.00529 | 0 | 140923.690764968 Produits alimentaires | 486110.31 | 8260.091059999999 | 595119.2690377359 | 2418924.1589362565 | 2572279.76311 | 0 | 6080693.592143992 Matériaux de construction | 0 | 146838.87795 | 564385.768929208 | 224664.198330104 | 2360053.2949800002 | 0 | 3295942.1401893124 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1408566.73 | 101993.80464 | 337422.709856848 | 1881446.589796936 | 1943164.7406900001 | 2950941 | 120908 | 0 | 8744443.574983783 S-Total | 3142863.12 | 296186.21074999997 | 2966466.345958664 | 8898024.357695097 | 10709785.64265 | 2950941 | 0 | 120908 | 0 | 29085174.677053757 (2) Commerce de détail Produits pétroliers | 122462.79 | 4910.8557599999995 | 82530.447316664 | 68332.800848392 | 189277.19313 | 467514.087055056 Produits pharmaceutiques | 0 | 0 | 943.47007 | 3407.56466 | 6252.94724 | 0 | 10603.98197 Véhicules automobiles | 28695.19 | 0 | 0.01095 | 1236396.2041953122 | 2954067.63934 | 0 | 4219159.044485312 Produits alimentaires | 88419.43 | 0 | 449006.6321533919 | 611998.1046365999 | 1566739.60467 | 0 | 2716163.771459992 Librairie ,papeterie | 493.53 | 0 | 0 | 42665.28283016 | 126421.95667 | 0 | 169580.76950016 Appareils électro- ménagers électroni.équip. inform. | 27471.440000000002 | 0 | 48836.999536031995 | 182782.420931936 | 664611.63874 | 0 | 923702.499207968 Matériaux de construction | 0 | 0 | 29147.254206576 | 146381.85246038402 | 331588.72647000005 | 0 | 507117.83313696005 Autres | 744240.3200000001 | 392638.52854 | 76491.86858824798 | 4907262.853492882 | 1108684.7368400001 | 1101552 | 88374.97 | 0 | 8419245.27746113 S-Total | 1011782.7000000001 | 397549.38430000003 | 686956.682820912 | 7199227.084055666 | 6947644.443100002 | 1101552 | 0 | 88374.97 | 0 | 17433087.26427658 [Secteur d'activitésjuin 21% ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2021 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.007847061804586997 | 0.00044920272051120907 | 0.0009196703389317153 | 0 | 0 | 0 | 0.0011784610610427737 200 | Industrie alimentaire | 0.047354456965739936 | 0.0006211620208566021 | 0.07790596671219198 | 0.03096714151276418 | 0.08151705015148751 | 0.06051000879772784 | 0.0019695149116247894 | 0.19596334026750595 | 0.05421617419655166 210 | Industrie des boissons | 0.026683106144233894 | 0 | 0.08746542164642158 | 0.06492846178207501 | 0.0703929605811769 | 0.01876274895195955 | 0 | 0 | 0.05427843581223154 220 | Industrie du bois | 0.001720867117362674 | 0 | 5.586739656873954e-05 | 0.000301544451763835 | 0 | 2.4943940572225637e-07 | 0 | 0 | 0.00044023092869174975 230 | Industrie chimique | 3.267248190490339e-06 | 0 | 0.0007980388548973736 | 0.01004081918574817 | 0.0007890043016528008 | 0.005112011180871922 | 0 | 0.14199733586830884 | 0.004353130624421291 240 | Industrie du textile | 0 | 0 | 0.03143700518297047 | 0.04177851813783199 | 0.00013392488558749177 | 0.01820550131957603 | 0 | 0 | 0.017559426992425204 250 | Industrie pharmacie | 0 | 0 | 0.0012857682204282606 | 0.0016767721411676323 | 0.002089483536088346 | 0.006998022527537903 | 0 | 0 | 0.0017753883668446494 260 | Imprimerie, édition | 0.00021725283432459324 | 0 | 2.5133645659972473e-05 | 0.0022352129530494916 | 0.003957343412906803 | 0.004142190771423789 | 0 | 0 | 0.0021198157227761377 270 | Sidérurgie, aciérie | 0.0008002872119442627 | 0 | 0.0014345351855590484 | 0.004153345336325946 | 0 | 0.04976706932561313 | 0 | 0 | 0.005688187381493573 280 | Industrie de la fabrication | 4.951509624220114e-05 | 0.0015131730187839844 | 0.015702065848337846 | 0.05276998270011872 | 0.011057542577380449 | 0.009960946935175437 | 0 | 0 | 0.02156376917663596 290 | Autres industries | 0 | 0 | 0.001714585412168598 | 0.002174597727447647 | 0.02809055934503655 | 0.01568899030171276 | 0 | 0 | 0.009561342507854497 300 | Production et distribution de l'électricité | 0.04605451980546805 | 0 | 0.02239280557889915 | 0.014868970249333062 | 5.886385147189104e-05 | 0.0003521252944112519 | 0 | 0 | 0.016036813465988745 400 | Production et distribution de gaz | 0 | 0 | 0.00033277530891810605 | 0.008978199155388342 | 0.0013129428334420338 | 0.014039364365202903 | 0 | 0 | 0.004296145282174723 500 | Traitement et distribution de l'eau | 0 | 0 | 0.02986425068211681 | 0.005942142545770804 | 0.0006757462064236155 | 0 | 0 | 0 | 0.005037929531769053 600 | Entrep/ batiment et corps/ métiers corresp. | 0.030153169310172166 | 0.07241743414710643 | 0.12421647748909259 | 0.10736602313061938 | 0.026735970739463898 | 0.03540226968241125 | 0 | 0.1563081161959789 | 0.06278574696514053 700 | Commerce de gros(1) | 0.10855813309130287 | 0.2434693820011544 | 0.20034810939337816 | 0.1989327914452374 | 0.27812694950488415 | 0.2453603231204803 | 0 | 0.21109003796047263 | 0.19963290031019834 800 | Commerce de détail(2) | 0.034948146348154636 | 0.32679138797639123 | 0.046395426944861776 | 0.16095284554270803 | 0.18042631474422613 | 0.09159015875072099 | 0 | 0.1542911036131491 | 0.1196560712864701 900 | Rest/débits/boissons, casinos/activités/loterie | 0.004411578812986225 | 0 | 0.00011164840064352293 | 0.00011294787141628409 | 0.0003081963149063254 | 0.0010764973286286844 | 0 | 0 | 0.0010929761244779044 1000 | Hotels,motels et pensions | 0.07381338960911529 | 0 | 0.007822182104315088 | 0.008205867526448788 | 0.028958757248003814 | 0.023196866974546954 | 0.0325823232284854 | 0 | 0.02864272507753339 1100 | Transport | 0.028883140648295273 | 0.10607762348454321 | 0.025392527146535122 | 0.007243688475464014 | 0.017469730908167128 | 0.0024426769537694826 | 0 | 0 | 0.01624851805644509 1200 | Immobilier résidentiel | 0.07862972171839251 | 0.17447107665541906 | 0.11369085606349695 | 0.012010480760759265 | 0.0805847482885106 | 0.10449066593586463 | 0.74108210220495 | 0 | 0.08708951357775258 1300 | Immobilier commercial | 0.11337189741085095 | 0.04160813528877271 | 0.0992306520945846 | 0.1480857773719677 | 0.03565056267343315 | 0.00884570335219123 | 0.2109286234206232 | 0 | 0.09564703749834803 1400 | Télécommunications | 0.05611494656769286 | 0 | 0.0009432148787427308 | 0.0012414447092341859 | 0.018737388218818818 | 0.0025450302565841816 | 0 | 0 | 0.016790082769182806 1500 | Services financiers | 0.0066580103829044 | 0 | 0.015526749124628106 | 0.014889890152713109 | 0.05012160789202221 | 0.16960258232976239 | 0 | 0.14035006609458453 | 0.03527189940517945 1510 | Services professionnels | 0.014506655193033303 | 0.006045863657606622 | 0.01897165122540581 | 0.0029611131634335384 | 0.007007824812833817 | 0.03303949648494147 | 0 | 0 | 0.010349842547432665 1520 | Services médicaux | 0.00036979453509940186 | 0 | 0.0012480649756905168 | 0.00010830048520278517 | 0.0013817761714828582 | 0.003197148009610734 | 0 | 0 | 0.0008626987430536198 1530 | Services d'agence ou de représentation | 2.266625367461323e-05 | 0.0006373826864925023 | 0.0011810685617283663 | 0.0004168824852469266 | 0.0006213052880827436 | 1.2471970286112818e-06 | 0 | 0 | 0.0004221560744330497 1540 | Services d'enseignement | 0.012462997149172764 | 0 | 0.0016664005649856795 | 0.0015777858250673362 | 0.0011928620289091833 | 0.00034289603639952844 | 0 | 0 | 0.0034738681114223 1550 | Autres services | 0.1739723957913426 | 0.007552817626485509 | 0.00913727614763754 | 0.003024797038659919 | 0.024696461340513787 | 0.046620557515364015 | 0 | 0 | 0.04686647412555781 1560 | Crédit à la consommation | 0.140240084754304 | 0.01879456143638788 | 0.055856413404548 | 0.09160445341652497 | 0.04698445180415546 | 0.0287066508610773 | 0.013437436234316626 | 0 | 0.07706223827647085 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1.0000000000000002 | 0.9999999999999996 | 0.9999999999999997 | 1.0000000000000002 | 0.9999999999999997 | 1 | 1 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.025038913836108265 | 0.032135375063330834 | 0.059543587326608166 | 0.030165229160694623 | 0.08678120401915126 | 0 | 0 | 0 | 0.04349241307117612 Produits pétroliers | 0.018074879495906 | 0 | 0.03828664803368354 | 0.06652087431266974 | 0.010934197968794104 | 0 | 0 | 0 | 0.03079495687900183 Produits pharmaceutiques | 0 | 0 | 0.0014189201940991696 | 0.0010806541176196362 | 0.0018588394695476123 | 0 | 0 | 0 | 0.0009672627083003349 Produits alimentaires | 0.01679081330718044 | 0.0067899152379816185 | 0.040192945582447875 | 0.05407979523177675 | 0.06680062026058523 | 0 | 0 | 0 | 0.04173626251451963 Matériaux de construction | 0 | 0.12070369777749497 | 0.038117277793338046 | 0.005022808919708456 | 0.0612892214189379 | 0 | 0 | 0 | 0.02262246967571777 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.048653526797519754 | 0.08384039392234695 | 0.02278873046320138 | 0.04206342970276822 | 0.050462866367868064 | 0.2453603231204803 | 0 | 0.2110895145489824 | 0.060019533472372565 S-Total | 0.10855813343671444 | 0.24346938200115437 | 0.20034810939337816 | 0.19893279144523746 | 0.27812694950488415 | 0.2453603231204803 | - | 0.2110895145489824 | 0.19963289832108827 (2) Commerce de détail Produits pétroliers | 0.004230006650067643 | 0.004036795007966147 | 0.005573910895638334 | 0.0015277138242812522 | 0.004915419420389804 | 0 | 0 | 0 | 0.0032088922704105473 Produits pharmaceutiques | 0 | 0 | 6.371973343006267e-05 | 7.61827932351868e-05 | 0.00016238542948520334 | 0 | 0 | 0 | 7.278291012244659e-05 Véhicules automobiles | 0.0009911651083970448 | 0 | 7.395370592510543e-10 | 0.02764206281590597 | 0.07671543096892765 | 0 | 0 | 0 | 0.02895918480395927 Produits alimentaires | 0.0030541095535647233 | 0 | 0.030324844230770715 | 0.013682418301009233 | 0.040687322926431034 | 0 | 0 | 0 | 0.018643025253655552 Librairie ,papeterie | 1.7047097996116892e-05 | 0 | 0 | 0.000953866102183031 | 0.003283105220989793 | 0 | 0 | 0 | 0.0011639572700089642 Appareils électro- ménagers électroni.équip. inform. | 0.0009488953655794896 | 0 | 0.0032983352529244022 | 0.004086459618607666 | 0.017259580523449242 | 0 | 0 | 0 | 0.006340048122482127 Matériaux de construction | 0 | 0 | 0.0019685364987373642 | 0.0032726534965804746 | 0.008611167773147974 | 0 | 0 | 0 | 0.003480721843465868 Autres | 0.02570692291796121 | 0.32275459296842507 | 0.005166079593823836 | 0.10971148859090499 | 0.028791902481405403 | 0.09159015875072099 | 0 | 0.15429110989827707 | 0.057787458905712026 S-Total | 0.03494814669356623 | 0.32679138797639123 | 0.04639542694486177 | 0.1609528455427078 | 0.1804263147442261 | 0.09159015875072099 | - | 0.15429110989827707 | 0.11965607137981679 [Secteur d'activitéjuin 21 g] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2021 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 4154645.8 | 693735.5950500001 | 3653423.0287795756 | 16097251.441750772 | 17657430.08575 | 4052493 | 0 | 209283.2662 | 0 | 46518262.21753035 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 8286273.5200000005 | 17318.505549999998 | 824207.7830655519 | 1399903.2920797616 | 4400898.42492 | 3332400 | 159127.88071753603 | 80389.809165184 | 0 | 18500519.21549803 Industries Manufacturières ( 200 à 290 ) | 2224266.8099999996 | 2596.46861 | 3225229.919062481 | 9438956.73229649 | 7625424.396310001 | 2274874 | 9618.8578 | 193577.3528 | 0 | 24994544.53687897 Prêts aux Particuliers ( 1560 ) | 4060086.3 | 22864.024579999998 | 827041.3485420321 | 4097356.9608707107 | 1809222.04143 | 345254 | 65626.712228256 | 0 | 0 | 11227451.387650998 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5558632.86 | 262865.42678000004 | 3152635.131892032 | 7160912.960058656 | 4475852.72382 | 1363093 | 4649498.076819712 | 0 | 0 | 26623490.179370403 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2460776.96 | 129045.9157 | 389941.750138712 | 379529.79600407195 | 1394221.18309 | 59987 | 0 | 0 | 0 | 4813502.604932783 Bâtiments et Travaux Publics ( 600 ) | 872963.46 | 88097.50629 | 1839218.753801248 | 4802353.006080928 | 1029517.334 | 425782 | 0 | 89530.27228 | 0 | 9147462.332452176 Électricité, Gaz et Eau ( 300 à 500 ) | 1333322.96 | 0 | 778674.5079062879 | 1332440.07390016 | 78844.75991 | 173086 | 0 | 0 | 0 | 3696368.301716448 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 116187.993130792 | 20092.297100008003 | 35413.58437 | 0 | 0 | 0 | 0 | 171693.87460080002 Total | 28950968.67 | 1216523.44256 | 14806560.216318712 | 44728796.560141556 | 38506824.5336 | 12026969 | 4883871.527565504 | 572780.700445184 | 0 | 145693294.65063095 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1435062794394575 | 0.5702607699775456 | 0.24674353633824006 | 0.35988563698794557 | 0.45855326424911014 | 0.3369504818712013 | 0 | 0.3653811415736217 | #DIV/0! | 0.3192889715966684 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.2862174877273286 | 0.01423606397058463 | 0.05566504110503465 | 0.031297584548188685 | 0.11428879109675472 | 0.2770772918762824 | 0.0325823232284854 | 0.14035006609458453 | #DIV/0! | 0.12698264020909017 Industries Manufacturières ( 200 à 290 ) | 0.07682875261803802 | 0.0021343350396405857 | 0.21782438810520402 | 0.21102639592829273 | 0.1980278687913168 | 0.18914773955100408 | 0.0019695149116247894 | 0.3379606761358148 | #DIV/0! | 0.17155590170992627 Prêts aux Particuliers ( 1560 ) | 0.140240084754304 | 0.018794561436387875 | 0.05585641340454803 | 0.091604453416525 | 0.04698445180415545 | 0.0287066508610773 | 0.013437436234316626 | 0 | #DIV/0! | 0.07706223827647085 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.19200161912924346 | 0.21607921194419175 | 0.21292150815808167 | 0.16009625813272704 | 0.11623531096194373 | 0.11333636928805586 | 0.9520107256255732 | 0 | #DIV/0! | 0.18273655107610065 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.08499808721598813 | 0.1060776234845432 | 0.026335742025277865 | 0.008485133184698204 | 0.03620711912698594 | 0.004987707210353664 | 0 | 0 | #DIV/0! | 0.03303860082562789 Bâtiments et Travaux Publics ( 600 ) | 0.030153169310172166 | 0.07241743414710641 | 0.12421647748909265 | 0.10736602313061941 | 0.026735970739463894 | 0.03540226968241125 | 0 | 0.1563081161959789 | #DIV/0! | 0.06278574696514053 Électricité, Gaz et Eau ( 300 à 500 ) | 0.04605451980546805 | 0 | 0.05258983156993409 | 0.029789311950492215 | 0.0020475528913375396 | 0.014391489659614155 | 0 | 0 | #DIV/0! | 0.02537088827993252 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007847061804587002 | 0.00044920272051120923 | 0.0009196703389317151 | 0 | 0 | 0 | #DIV/0! | 0.0011784610610427737 Total | 1 | 1 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1 | 1 | #DIV/0! | 1 [Secteur d' activitémars 21 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2021 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 113642.60901 | 25344.944 | 888219.08 | 0 | 0 | 0 | 0 | 1027206.63301 200 | Industrie alimentaire | 1510798 | 1209.3326299999999 | 618193.65725 | 1016779.121 | 2233613.65 | 621927.486 | 10484.3 | 104393.55690000001 | 0 | 6117399.1037800005 210 | Industrie des boissons | 775076 | 0 | 1230498.37503 | 2456764.438 | 2772794.04 | 110000 | 0 | 0 | 0 | 7345132.85303 220 | Industrie du bois | 43669 | 0 | 1100.3458 | 256.09 | 0 | 98.961 | 0 | 0 | 0 | 45124.3968 230 | Industrie chimique | 182 | 0 | 11123.115880000001 | 258201.184 | 17885.9 | 59724.31 | 0 | 81333.3335 | 0 | 428449.84338000003 240 | Industrie du textile | 49 | 0 | 492923.18179 | 1615190.999 | 5683.62 | 188818.555 | 0 | 0 | 0 | 2302665.3557900004 250 | Industrie pharmacie | 0 | 0 | 21322.2604 | 87500 | 84678.12 | 86736.836 | 0 | 0 | 0 | 280237.2164 260 | Imprimerie, édition | 72122 | 0 | 583.93486 | 56519.577 | 199022.66 | 44296.739 | 0 | 0 | 0 | 372544.91086 270 | Sidérurgie, aciérie | 0 | 0 | 21499.51761 | 92481.758 | 0 | 451863.67 | 0 | 0 | 0 | 565844.9456099999 280 | Industrie de la fabrication | 27617 | 2130.87401 | 205025.53809000002 | 2137995.596 | 420306.28 | 163377.338 | 0 | 0 | 0 | 2956452.6260999995 290 | Autres industries | 0 | 0 | 26564.60941 | 86634.592 | 991639.78 | 167759.306 | 0 | 0 | 0 | 1272598.28741 300 | Production et distribution de l'électricité | 1288751 | 0 | 331550.49761 | 453797.994 | 2396.27 | 3351.371 | 0 | 0 | 0 | 2079847.13261 400 | Production et distribution de gaz | 0 | 0 | 0 | 387428.64 | 48580.8 | 150933.577 | 0 | 0 | 0 | 586943.017 500 | Traitement et distribution de l'eau | 0 | 0 | 335276.46198 | 276613.909 | 30907.93 | 21018.169 | 0 | 0 | 0 | 663816.46998 600 | Entrep/ batiment et corps/ métiers corresp. | 763568 | 81676.93406 | 1650491.9365899998 | 4706608.121 | 764446.99 | 404695.955 | 0 | 89530.27228 | 0 | 8461018.20893 700 | Commerce de gros(1) | 3176726 | 292267.14043 | 3444624.66863 | 7116211.612 | 10116814.91 | 2694107.881 | 0 | 109972.9215 | 0 | 26950725.13356 800 | Commerce de détail(2) | 771113 | 366569.29608999996 | 809549.91107 | 7347106.597 | 6626856.64 | 1031502.795 | 0 | 77439.5881 | 0 | 17030137.827260002 900 | Rest/débits/boissons, casinos/activités/loterie | 114679 | 34.29018 | 1754.6386499999999 | 2419.045 | 13595.51 | 13331.872 | 0 | 0 | 0 | 145814.35583 1000 | Hotels,motels et pensions | 2098897 | 0 | 121506.70877 | 766837.96 | 1002626.54 | 272598.143 | 174336.87 | 0 | 0 | 4436803.22177 1100 | Transport | 752592 | 125752.9157 | 246427.75453 | 318825.008 | 658619.45 | 33936.445 | 0 | 0 | 0 | 2136153.5732299997 1200 | Immobilier résidentiel / Avance Hypothécaire | 2228894 | 211372.60684999998 | 1705633.46831 | 409363.109 | 2955774 | 1069767.664 | 3351204.63 | 0 | 0 | 11932009.478160001 1300 | Immobilier commercial | 3228871 | 50875.24243 | 1464922.58366 | 6037398.77 | 754821.92 | 96773.19 | 963368.19 | 0 | 0 | 12597030.896089999 1400 | Télécommunications | 1676352 | 0 | 12434.505060000001 | 54153.311 | 969543.22 | 33119.844 | 0 | 0 | 0 | 2745602.88006 1500 | Services financiers | 238769 | 0 | 184933.94846 | 1232844.258 | 1217224.54 | 1856072.051 | 0 | 70442.501567836 | 0 | 4800286.299027836 1510 | Services professionnels | 414421 | 7430.01382 | 279235.86714 | 124175.093 | 287471.74 | 350300.568 | 0 | 0 | 0 | 1463034.2819599998 1520 | Services médicaux | 11261 | 0 | 16966.27015 | 2972.924 | 52142.71 | 40025.314 | 0 | 0 | 0 | 123368.21815 1530 | Services d'agence ou de représentation | 693 | 775.39098 | 15713.921 | 19457.93 | 26722.22 | 18.297 | 0 | 0 | 0 | 63380.75898 1540 | Services d'enseignement | 250796 | 0 | 24174.40008 | 31471.466 | 52943.64 | 4490.416 | 0 | 0 | 0 | 363875.92208000005 1550 | Autres services | 38745 | 10822.81462 | 156246.03522 | 116961.022 | 967411.64 | 230655.038 | 0 | 0 | 0 | 1520841.54984 1560 | Crédit à la consommation | 3651643 | 22056.88189 | 853877.1715599999 | 4077055.289 | 1846156.34 | 333733.703 | 67747.69 | 0 | 0 | 10852270.07545 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 23136284 | 1172973.7336900001 | 14397797.893600002 | 41315370.357 | 36008900.14 | 10535035.493999999 | 4567141.680000001 | 533112.173847836 | 0 | 131666615.47213784 (1) Commerce de gros Import-export | 986137 | 38963.200020000004 | 706101.7231515918 | 1151521.7583575977 | 3103490.21533 | 123749 | 0 | 0 | 6109962.8968591895 Produits pétroliers | 411844 | 0 | 587596.313201802 | 2287565.696973398 | 360489.42593 | 1064775 | 55511.41484375 | 0 | 4767781.850948949 Produits pharmaceutiques | 0 | 0 | 15520.307319846 | 70637.383292638 | 64319.871060000005 | 19340 | 0 | 0 | 169817.561672484 Produits alimentaires | 375368 | 8451.23978 | 814990.3886864199 | 2209877.50389342 | 2438804.17471 | 986131 | 0 | 0 | 6833622.30706984 Matériaux de construction | 0 | 118176.59714 | 993801.2305241239 | 174467.38806790806 | 2669203.5531 | 478895 | 0 | 0 | 4434543.768832032 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1403377 | 95511.45143 | 326614.70574327005 | 1222141.881319074 | 1587217.3447999998 | 21218 | 49252.06540000001 | 0 | 4705332.448692343 S-Total | 3176726 | 261102.48837000004 | 3444624.6686270535 | 7116211.611904035 | 10223524.584929999 | 2694108 | 0 | 104763.48024375 | 0 | 27021060.83407484 (2) Commerce de détail Produits pétroliers | 118068 | 4910.8557599999995 | 85062.095658758 | 77422.53788 | 146225.02070999998 | 28559 | 55511.41484375 | 515758.92485250806 Produits pharmaceutiques | 117 | 0 | 979.76002 | 3714.44875 | 5875.84446 | 31820 | 0 | 0 | 42507.053230000005 Véhicules automobiles | 29358 | 0 | 172.47200999999998 | 1257052.3683556258 | 2945194.97269 | 497684 | 0 | 0 | 4729461.813055626 Produits alimentaires | 78920 | 0 | 558098.9711901239 | 614561.1605667201 | 1408287.51306 | 157126 | 16718.732 | 0 | 2833712.3768168436 Librairie ,papeterie | 717 | 0 | 0 | 38463.815264642 | 123131.28108 | 0 | 0 | 0 | 162312.096344642 Appareils électro- ménagers électroni.équip. inform. | 21525 | 0 | 48837.541079899995 | 167068.41567397598 | 620604.92204 | 256310 | 0 | 0 | 1114345.878793876 Matériaux de construction | 2924 | 0 | 29576.73794 | 149826.32027495 | 425206.10258999997 | 9 | 0 | 0 | 607542.1608049499 Autres | 519484 | 343193.54843 | 86822.33317371599 | 5038997.530271046 | 953616.9929099999 | 59995 | 0 | 0 | 7002109.404784761 S-Total | 771113 | 348104.40419000003 | 809549.911072498 | 7347106.59703696 | 6628142.64954 | 1031503 | 0 | 72230.14684375 | 0 | 17007749.708683208 [Secteur d'activitésmars 21 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2021 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.007893054885880537 | 0.0006134507274410974 | 0.024666653981284304 | 0 | 0 | 0 | 0.007801572398034099 200 | Industrie alimentaire | 0.06529994185756019 | 0.001030997195645311 | 0.0429366811382173 | 0.024610190159598283 | 0.062029488301944005 | 0.059034208888447064 | 0.002295593334866721 | 0.195819120292302 | 0.046461277081087514 210 | Industrie des boissons | 0.03350045322749323 | 0 | 0.08546434559808425 | 0.05946369152137478 | 0.0770030195096095 | 0.010441350678186904 | 0 | 0 | 0.05578584082754306 220 | Industrie du bois | 0.0018874681863345038 | 0 | 7.642458993601495e-05 | 6.198419566063772e-06 | 0 | 9.393513676945948e-06 | 0 | 0 | 0.00034271707097649853 230 | Industrie chimique | 7.866431791725932e-06 | 0 | 0.0007725567452884141 | 0.006249518805445087 | 0.000496707756428575 | 0.005669113315661317 | 0 | 0.1525632643369623 | 0.003254050708629819 240 | Industrie du textile | 2.1178854823877507e-06 | 0 | 0.03423601202299904 | 0.03909419146054782 | 0.00015783931133421173 | 0.017922915884577464 | 0 | 0 | 0.017488604438816693 250 | Industrie pharmacie | 0 | 0 | 0.0014809389989755312 | 0.0021178558789120235 | 0.0023515886258890883 | 0.00823317928538533 | 0 | 0 | 0.0021283847495821855 260 | Imprimerie, édition | 0.0031172680971585584 | 0 | 4.055723412116836e-05 | 0.001368003639120809 | 0.005527040793420913 | 0.004204707143628348 | 0 | 0 | 0.002829456119336756 270 | Sidérurgie, aciérie | 0 | 0 | 0.0014932504101586811 | 0.0022384346842562177 | 0 | 0.04289151852002294 | 0 | 0 | 0.0042975582199098845 280 | Industrie de la fabrication | 0.0011936661911653573 | 0.0018166425630833085 | 0.014240062237652078 | 0.051748189052304175 | 0.011672288749889044 | 0.01550800071751519 | 0 | 0 | 0.022454079308551974 290 | Autres industries | 0 | 0 | 0.0018450466943843056 | 0.0020969094855353664 | 0.027538741148565388 | 0.015923943122502403 | 0 | 0 | 0.009665307206740623 300 | Production et distribution de l'électricité | 0.05570259251658564 | 0 | 0.023027861625796144 | 0.010983757136358666 | 6.65466034975652e-05 | 0.0003181167260336902 | 0 | 0 | 0.01579631347818855 400 | Production et distribution de gaz | 0 | 0 | 0 | 0.009377348832947314 | 0.0013491331257306212 | 0.014326821877910229 | 0 | 0 | 0.004457796799099798 500 | Traitement et distribution de l'eau | 0 | 0 | 0.023286648726263515 | 0.006695181638451262 | 0.0008583414067031262 | 0.001995073392203609 | 0 | 0 | 0.005041646036086279 600 | Entrep/ batiment et corps/ métiers corresp. | 0.03300305269420102 | 0.06963236406245565 | 0.11463502604961998 | 0.11391905918622769 | 0.021229390151542685 | 0.03841429440180679 | 0 | 0.16793890042652498 | 0.06426092277522277 700 | Commerce de gros(1) | 0.13730493626374918 | 0.24916767702084108 | 0.23924663299803495 | 0.17224126397778522 | 0.2809531774274292 | 0.25572841045807304 | 0 | 0.20628476874998003 | 0.2046891312343567 800 | Commerce de détail(2) | 0.03332916383633604 | 0.3125127916861597 | 0.056227342337528914 | 0.17782986170799728 | 0.18403385313728718 | 0.09791165825568125 | 0 | 0.1452594630151951 | 0.12934286923220698 900 | Rest/débits/boissons, casinos/activités/loterie | 0.004956673249688671 | 2.9233544635418405e-05 | 0.0001218685428818221 | 5.855072770974556e-05 | 0.0003775597129360142 | 0.0012654795522609181 | 0 | 0 | 0.0011074512343704618 1000 | Hotels,motels et pensions | 0.09071884663933068 | 0 | 0.008439256452128088 | 0.018560597505816036 | 0.027843853494604404 | 0.02587538913895946 | 0.038171986379016816 | 0 | 0.03369725276115173 1100 | Transport | 0.03252864634614617 | 0.10720863740435185 | 0.01711565590454219 | 0.007716861914708262 | 0.018290462842223316 | 0.0032212938456000237 | 0 | 0 | 0.01622395749727488 1200 | Immobilier résidentiel | 0.09633759682410538 | 0.18020233597648716 | 0.11846488476325778 | 0.009908252194346897 | 0.08208453989175354 | 0.10154381203644383 | 0.7337641056057624 | 0 | 0.09062289203207285 1300 | Immobilier commercial | 0.13955875541638407 | 0.04337287440355044 | 0.10174629443237122 | 0.1461296054672082 | 0.02096209317877822 | 0.009185843754880093 | 0.21093459706290518 | 0 | 0.09567368957513513 1400 | Télécommunications | 0.07245554212595247 | 0 | 0.0008636393670678827 | 0.0013107303778731561 | 0.026925099523464644 | 0.003143780960098586 | 0 | 0 | 0.020852688209647197 1500 | Services financiers | 0.010320110178453894 | 0 | 0.012844599557978615 | 0.02983984525243693 | 0.033803435685830975 | 0.17618090153156918 | 0 | 0.13213448317903564 | 0.0364578848010537 1510 | Services professionnels | 0.017912167744828858 | 0.006334339471205623 | 0.019394345524472445 | 0.0030055422939942542 | 0.007983352417939195 | 0.03325100975687326 | 0 | 0 | 0.011111657094805438 1520 | Services médicaux | 0.00048672466157486657 | 0 | 0.001178393409560341 | 7.195685223952742e-05 | 0.0014480506151888259 | 0.0037992576316231252 | 0 | 0 | 0.0009369741730477314 1530 | Services d'agence ou de représentation | 2.9952951822341048e-05 | 0.0006610471809634951 | 0.0010914114169490482 | 0.0004709610450509558 | 0.0007421004222874329 | 1.736776303261689e-06 | 0 | 0 | 0.00048137304017974164 1540 | Services d'enseignement | 0.010839943008998333 | 0 | 0.0016790345481058472 | 0.0007617374775551985 | 0.0014702931718036084 | 0.0004262364376994666 | 0 | 0 | 0.002763615672622802 1550 | Autres services | 0.0016746423064308857 | 0.00922681754002542 | 0.01085207865637934 | 0.002830932434814383 | 0.026865903602686377 | 0.021894092158622966 | 0 | 0 | 0.011550699806374437 1560 | Crédit à la consommation | 0.15783187135842558 | 0.018804241950595386 | 0.059306095131364416 | 0.09868132014237724 | 0.05126944540994803 | 0.03167846023775343 | 0.014833717617448642 | 0 | 0.08242233641789375 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999998 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1 | 1 (1) Commerce de gros Import-export | 0.03205059477176799 | 0.02516531372643384 | 0.05854060207542879 | 0.05401817894166574 | 0.050654800406566204 | 0.0177728247754266 | 0 | 0 | 0.04512582928669867 Produits pétroliers | 0.005704118282424044 | 0 | 0.0536872708541212 | 0.024958685852845403 | 0.008653521436004381 | 0.10429129425430402 | 0 | 0 | 0.026074385680376875 Produits pharmaceutiques | 0 | 0 | 0.0020896687300818663 | 0.002867790164056127 | 0.0018408845037124226 | 0.0006178802711200772 | 0 | 0 | 0.0017438574688723486 Produits alimentaires | 0.008802738036534618 | 0.01099419401860345 | 0.03827860364230004 | 0.06447943736041092 | 0.05042874827355871 | 0.08489643045259955 | 0 | 0 | 0.049158191134961796 Matériaux de construction | 0.005435217872689086 | 0.15320359396976113 | 0.0778519246404118 | 0.016169910332247222 | 0.11933753858847328 | 0.03760066525479155 | 0 | 0 | 0.05833401357954576 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.044852088665899396 | 0.08417694729947006 | 0.02859752179643176 | 0.06436341695359397 | 0.04765560611667916 | 0.0007802317660159508 | 0 | 0 | 0.044832690568225524 S-Total | 0.09684475762931513 | 0.2735400490142685 | 0.25904559173877545 | 0.22685741960481937 | 0.2785710993249942 | 0.24595932677425775 | - | 0 | 0.225268967718681 (2) Commerce de détail Produits pétroliers | 0.004189111827389048 | 0 | 0.004014391855429044 | 0.0011665486617489463 | 0.0017348770463548853 | 0.004448076738703526 | 0 | 0 | 0.002291940959462693 Produits pharmaceutiques | 0 | 0 | 0.00013860448825868255 | 4.228813123875291e-06 | 0.0001091382580419256 | 0.00019854111903084464 | 0 | 0 | 7.016561637524103e-05 Véhicules automobiles | 0.0010064040855946022 | 0 | 0.003808062353415466 | 0.02559117767420288 | 0.05770788887857303 | 0.04173572831133583 | 0 | 0 | 0.03146258750817694 Produits alimentaires | 0.006525995144565175 | 0 | 0.034025197999337335 | 0.014864306215874888 | 0.036932592501709056 | 0.015352075431168273 | 0 | 0 | 0.022564783579663145 Librairie ,papeterie | 7.397338625677486e-06 | 0 | 0 | 0.0007387266836909887 | 0.002278344910867879 | 7.674797940532204e-07 | 0 | 0 | 0.0009903520984834685 Appareils électro- ménagers électroni.équip. inform. | 0.00018845699482760589 | 0 | 0.004334787407877403 | 0.006619318682956672 | 0.0439714097720231 | 0.04527109446418837 | 0 | 0 | 0.021427657112564898 Matériaux de construction | 0.0034380268119164554 | 0 | 0.0013937354877970889 | 0.00246486645863814 | 0.029527983399700867 | 6.700688971156962e-05 | 0 | 0 | 0.01129155070324652 Autres | 0.03041785394158875 | 0.3498907757718453 | 0.030446787818713128 | 0.07064173196225626 | 0.03125167082124464 | 0.010573392011949513 | 0 | 0 | 0.04263643786962351 S-Total | 0.04577324614450731 | 0.3498907757718453 | 0.07816156741082815 | 0.12209090515249266 | 0.2035139055885154 | 0.11764668244588197 | - | 0 | 0.1327354754475964 [Secteur d'activitémars 21 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2021 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3947839 | 658836.43652 | 4254174.579700001 | 14463318.208999999 | 16743671.55 | 3725610.676 | 0 | 187412.5096 | 0 | 43980862.96082 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3168261 | 19062.509599999998 | 800531.78947 | 2297139.698 | 3620138.5400000005 | 2767491.699 | 174336.87 | 70442.501567836 | 0 | 12917404.607637836 Industries Manufacturières ( 200 à 290 ) | 2429513 | 3340.20664 | 2628834.53612 | 7808323.355 | 6725624.050000001 | 1894603.201 | 10484.3 | 185726.8904 | 0 | 21686449.539160002 Prêts aux Particuliers ( 1560 ) | 3651643 | 22056.88189 | 853877.1715599999 | 4077055.289 | 1846156.34 | 333733.703 | 67747.69 | 0 | 0 | 10852270.07545 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5457765 | 262247.84927999997 | 3170556.05197 | 6446761.879 | 3710595.92 | 1166540.854 | 4314572.82 | 0 | 0 | 24529040.37425 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2428944 | 125752.9157 | 258862.25959 | 372978.31899999996 | 1628162.67 | 67056.28899999999 | 0 | 0 | 0 | 4881756.45329 Bâtiments et Travaux Publics ( 600 ) | 763568 | 81676.93406 | 1650491.9365899998 | 4706608.121 | 764446.99 | 404695.955 | 0 | 89530.27228 | 0 | 8461018.20893 Électricité, Gaz et Eau ( 300 à 500 ) | 1288751 | 0 | 666826.9595900001 | 1117840.543 | 81885 | 175303.117 | 0 | 0 | 0 | 3330606.6195900002 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 113642.60901 | 25344.944 | 888219.08 | 0 | 0 | 0 | 0 | 1027206.63301 Total | 23136284 | 1172973.7336899997 | 14397797.893599998 | 41315370.35699999 | 36008900.14 | 10535035.494 | 4567141.680000001 | 533112.173847836 | 0 | 131666615.47213784 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.17063410010008523 | 0.5616804687070011 | 0.29547397533556397 | 0.3500711256857825 | 0.4649870305647164 | 0.3536400687137542 | 0 | 0.35154423176517513 | #DIV/0! | 0.3340320004665636 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13693906074112852 | 0.016251437736829962 | 0.055600988108455554 | 0.05560012358961704 | 0.10053454912327685 | 0.2626941029839116 | 0.038171986379016816 | 0.13213448317903564 | #DIV/0! | 0.09810690858360605 Industries Manufacturières ( 200 à 290 ) | 0.10500878187698595 | 0.0028476397587286206 | 0.18258587566981682 | 0.1889931831066607 | 0.18677671419708075 | 0.17983833106960387 | 0.002295593334866721 | 0.3483823846292643 | #DIV/0! | 0.16470727573117502 Prêts aux Particuliers ( 1560 ) | 0.15783187135842558 | 0.018804241950595393 | 0.05930609513136443 | 0.09868132014237727 | 0.05126944540994803 | 0.03167846023775342 | 0.014833717617448642 | 0 | #DIV/0! | 0.08242233641789375 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.23589635224048944 | 0.22357521038003766 | 0.22021117919562908 | 0.15603785766155515 | 0.10304663307053176 | 0.1107296557913239 | 0.9446987026686677 | 0 | #DIV/0! | 0.18629658160720797 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.10498418847209863 | 0.1072086374043519 | 0.017979295271610077 | 0.009027592292581418 | 0.04521556236568796 | 0.006365074805698608 | 0 | 0 | #DIV/0! | 0.03707664570692208 Bâtiments et Travaux Publics ( 600 ) | 0.03300305269420102 | 0.06963236406245568 | 0.11463502604962 | 0.11391905918622772 | 0.021229390151542685 | 0.038414294401806784 | 0 | 0.16793890042652498 | #DIV/0! | 0.06426092277522277 Électricité, Gaz et Eau ( 300 à 500 ) | 0.05570259251658564 | 0 | 0.046314510352059676 | 0.02705628760775725 | 0.0022740211359313124 | 0.016640011996147525 | 0 | 0 | #DIV/0! | 0.025295756313374627 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007893054885880539 | 0.0006134507274410975 | 0.024666653981284304 | 0 | 0 | 0 | #DIV/0! | 0.007801572398034099 Total | 1 | 1.0000000000000002 | 1 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | #DIV/0! | 1 [Secteur d' activitédec. 20] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2020 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 110526.54572 | 18334.138 | 954918.7 | 0 | 0 | 0 | 0 | 1083779.38372 200 | Industrie alimentaire | 1461272 | 1209.3326299999999 | 768534.66862 | 1009513.407 | 2388621.91 | 431102.061 | 11339.35 | 98956.1961 | 0 | 6170548.92535 210 | Industrie des boissons | 775134 | 0 | 1161561.9498299998 | 2239363.501 | 2892103.46 | 231330.511 | 0 | 0 | 0 | 7299493.42183 220 | Industrie du bois | 39519 | 0 | 1093.86803 | 2611.107 | 0 | 2417.377 | 0 | 0 | 0 | 45641.35203 230 | Industrie chimique | 144 | 0 | 12243.857689999999 | 262562.284 | 17986.98 | 54310.439 | 0 | 81333.3335 | 0 | 428580.89418999996 240 | Industrie du textile | 94 | 0 | 472377.69596 | 1378927.462 | 6980.49 | 140535.348 | 0 | 0 | 0 | 1998914.99596 250 | Industrie pharmacie | 0 | 0 | 23384.421489999997 | 100000 | 97573.5 | 3338.039 | 0 | 0 | 0 | 224295.96048999997 260 | Imprimerie, édition | 17883 | 0 | 2171.05723 | 83784.868 | 212900.32 | 40447.519 | 0 | 0 | 0 | 357186.76423 270 | Sidérurgie, aciérie | 16951 | 0 | 18886.86477 | 123216.215 | 0 | 287585.18 | 0 | 0 | 0 | 446639.25977 280 | Industrie de la fabrication | 29664 | 0 | 269568.00508 | 1980950.654 | 341754.76 | 170670.718 | 0 | 0 | 0 | 2792608.1370800002 290 | Autres industries | 0 | 0 | 35877.16663 | 80951.908 | 998365.05 | 130940.355 | 0 | 0 | 0 | 1246134.47963 300 | Production et distribution de l'électricité | 1143930 | 0 | 334958.39235000004 | 470640.333 | 2164.82 | 4272.917 | 0 | 89530.27228 | 0 | 2045496.7346299998 400 | Production et distribution de gaz | 0 | 0 | 5.1320500000000004 | 356333.923 | 78053.52 | 139436.194 | 0 | 0 | 0 | 573828.76905 500 | Traitement et distribution de l'eau | 0 | 0 | 329156.58926 | 230613.265 | 35109.5 | 7912.071 | 0 | 0 | 0 | 602791.4252599999 600 | Entrep/ batiment et corps/ métiers corresp. | 775626 | 76934.40452 | 1510072.5878299999 | 3570835.287 | 662709.72 | 537597.94 | 0 | 0 | 0 | 7133775.93935 700 | Commerce de gros(1) | 2899120 | 274916.69956 | 2750384.36444 | 5823173.494 | 8959107.78 | 1806430.919 | 0 | 104763.48023999999 | 0 | 22617896.737239998 800 | Commerce de détail(2) | 750114 | 348104.40419 | 793801.95903 | 7415455.482 | 6543126.6 | 920779.963 | 0 | 72230.14684 | 0 | 16843612.55506 900 | Rest/débits/boissons, casinos/activités/loterie | 105104 | 34.29018 | 1826.14382 | 2554.759 | 14879.49 | 17711.879 | 0 | 0 | 0 | 142110.562 1000 | Hotels,motels et pensions | 1962401 | 0 | 126438.167 | 729172.49 | 938052.62 | 269731.502 | 174528.45 | 0 | 0 | 4200324.228999999 1100 | Transport | 733614 | 123678.2832 | 289316.55755 | 240066.162 | 427515.27 | 32473.679 | 0 | 0 | 0 | 1846663.95175 1200 | Immobilier résidentiel / Avance Hypothécaire | 2198734 | 210428.49223 | 1767510.3556400002 | 443863.835 | 2916808.01 | 991513.941 | 3253166.43 | 0 | 0 | 11782025.06387 1300 | Immobilier commercial | 3153220 | 51382.948130000004 | 1444105.37007 | 6048077.722 | 238395.95 | 91450.041 | 917185.54 | 0 | 0 | 11943817.571199998 1400 | Télécommunications | 1514621 | 0 | 14352.70458 | 52348.763 | 1088546.49 | 33947.031 | 0 | 0 | 0 | 2703815.98858 1500 | Services financiers | 308016 | 0 | 317526.73782 | 1013840.406 | 1212841.11 | 1978977.628 | 0 | 63552.83092 | 0 | 4894754.71274 1510 | Services professionnels | 382273 | 7525.799 | 266483.15502 | 121765.428 | 320930.93 | 328410.163 | 0 | 0 | 0 | 1427388.47502 1520 | Services médicaux | 12103 | 0 | 14211.253560000001 | 3424.22 | 57999.97 | 41857.976 | 0 | 0 | 0 | 129596.41956000001 1530 | Services d'agence ou de représentation | 1379 | 775.39098 | 15896.55094 | 18520.544 | 27868.68 | 2414.846 | 0 | 0 | 0 | 66855.01192 1540 | Services d'enseignement | 252690 | 0 | 23505.02829 | 41760.715 | 31594.67 | 4749.988 | 0 | 0 | 0 | 354300.40129 1550 | Autres services | 39827 | 10896.931630000001 | 95218.69323 | 199118.785 | 909978.84 | 220387.83 | 0 | 0 | 0 | 1475428.07986 1560 | Crédit à la consommation | 3383105 | 20872.75972 | 908958.63547 | 4429193.872 | 1869147.07 | 318436.605 | 69911.97 | 0 | 0 | 10999625.912190001 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 21956538 | 1126759.7359699998 | 13879954.478999997 | 38490975.02900001 | 34246036.20999999 | 9241170.66 | 4426131.739999999 | 510366.25988 | 0 | 123877932.11385003 (1) Commerce de gros Import-export | 947362 | 38963.20002 | 925490.69303 | 1270857.032 | 2004414.1 | 199996 | 0 | 5387083.025049999 Produits pétroliers | 169843 | 0 | 291990.20916 | 1422446.068 | 342632.09 | 496721 | 55511.41484 | 0 | 2779143.782 Produits pharmaceutiques | 0 | 18175.24635 | 69623.584 | 64680.46 | 12979 | 0 | 165458.29035 Produits alimentaires | 379630 | 8451.23978 | 492276.30757 | 1920799.521 | 2380833.64 | 770692 | 0 | 5952682.70835 Matériaux de construction | 118176.59714 | 733798.84015 | 346704.373 | 2714587.09 | 306105 | 0 | 4219371.900289999 Appareils électroménagers électron.,équipe.inform. | 0 | 0 Autres | 1402285 | 109325.66262 | 288653.0682 | 792742.916 | 1451960.39 | 19938 | 49252.0654 | 0 | 4114157.1022200002 S-Total | 2899120 | 274916.69956 | 2750384.36446 | 5823173.493999999 | 8959107.77 | 1806431 | 0 | 104763.48024 | 0 | 22617896.808259998 (2) Commerce de détail Produits pétroliers | 123913 | 4910.85576 | 87529.44709 | 53074.906 | 245804.86 | 40463 | 55511.41484 | 611207.4836899999 Produits pharmaceutiques | 455 | 0 | 1012.16571 | 3810.17 | 4072.06 | 48438 | 0 | 57787.39571 Véhicules automobiles | 30000 | 0 | 96021.01586 | 1164613.031 | 2829095.74 | 472042 | 0 | 4591771.78686 Produits alimentaires | 71449 | 0 | 464376.65750000003 | 655936.192 | 1339606.42 | 138066 | 16718.732 | 0 | 2686153.0015 Librairie ,papeterie | 810 | 0 | 0 | 28054.788 | 125982.72 | 0 | 0 | 154847.508 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 42573.76663 | 202717.577 | 621809.82 | 159228 | 0 | 1026329.16363 Matériaux de construction | 19446 | 0 | 29990.03587 | 137874.898 | 413247.49 | 2 | 0 | 600560.4238699999 Autres | 504041 | 348104.40419 | 72298.87036 | 5169373.918 | 963507.49 | 62540 | 0 | 7119865.68255 S-Total | 750114 | 353015.25995 | 793801.95902 | 7415455.4799999995 | 6543126.600000001 | 920779 | 0 | 72230.14684 | 0 | 16848522.445809998 [Secteur d'activitésdec. 20%] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2020 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.007963033732367331 | 0.0004763230338069282 | 0.02788406500957794 | 0 | 0 | 0 | 0.00874876876959774 200 | Industrie alimentaire | 0.06655293288951108 | 0.0010732834972656483 | 0.05537011449012838 | 0.026227275516907764 | 0.06974885780511182 | 0.04665015687525459 | 0.002561909736559265 | 0.19389251186641354 | 0.0498115267187295 210 | Industrie des boissons | 0.035303106527996356 | 0 | 0.08368629389868766 | 0.0581789237428465 | 0.08445075051212768 | 0.025032598088606233 | 0 | 0 | 0.05892488918140319 220 | Industrie du bois | 0.0017998739145488236 | 0 | 7.880919434245937e-05 | 6.783686300574954e-05 | 0 | 0.0002615877456374126 | 0 | 0 | 0.00036843811687180337 230 | Industrie chimique | 6.558410984463944e-06 | 0 | 0.0008821252049871367 | 0.006821398621421759 | 0.0005252280844913586 | 0.005877008552074505 | 0 | 0.15936267714704241 | 0.003459703329533404 240 | Industrie du textile | 4.281184948191741e-06 | 0 | 0.034033086828540754 | 0.035824695554245736 | 0.0002038335168833836 | 0.015207526532141762 | 0 | 0 | 0.01613616696574251 250 | Industrie pharmacie | 0 | 0 | 0.0016847621168628475 | 0.002598011609855496 | 0.00284919105386883 | 0.0003612138681139777 | 0 | 0 | 0.0018106207995453197 260 | Imprimerie, édition | 0.000814472664133116 | 0 | 0.0001564167399312982 | 0.0021767405979421024 | 0.0062167872128171195 | 0.00437688259292465 | 0 | 0 | 0.0028833768705609926 270 | Sidérurgie, aciérie | 0.0007720251708170022 | 0 | 0.0013607295901852795 | 0.003201171570924509 | 0 | 0.031119994487797932 | 0 | 0 | 0.003605478814091893 280 | Industrie de la fabrication | 0.0013510326627995724 | 0 | 0.019421389709011597 | 0.051465327976428374 | 0.009979396094319555 | 0.018468517061235614 | 0 | 0 | 0.022543225330185955 290 | Autres industries | 0 | 0 | 0.0025848187531364894 | 0.0021031399682395397 | 0.0291527184015671 | 0.014169238921944115 | 0 | 0 | 0.010059374243386142 300 | Production et distribution de l'électricité | 0.05209974359345722 | 0 | 0.02413252816187425 | 0.012227290492002565 | 6.321373915290854e-05 | 0.00046237832383024083 | 0 | 0.17542357188943256 | 0.01651219631879297 400 | Production et distribution de gaz | 0 | 0 | 3.697454489324627e-07 | 0.009257596689393544 | 0.0022791986646678846 | 0.015088585540741436 | 0 | 0 | 0.004632211397608919 500 | Traitement et distribution de l'eau | 0 | 0 | 0.023714529450222996 | 0.005991359398566821 | 0.001025213539596383 | 0.0008561762671743582 | 0 | 0 | 0.004866011362750263 600 | Entrep/ batiment et corps/ métiers corresp. | 0.03532551443219327 | 0.06827933415083301 | 0.108795211836948 | 0.09277071532507682 | 0.019351428467113685 | 0.05817422486600848 | 0 | 0 | 0.05758714096707476 700 | Commerce de gros(1) | 0.13203903092554936 | 0.24398875002693537 | 0.19815514298705078 | 0.15128672343614794 | 0.2616100656164085 | 0.1954764158635287 | 0 | 0.2052711718533912 | 0.18258213025749426 800 | Commerce de détail(2) | 0.03416358261944574 | 0.3089428855836115 | 0.05719053043228646 | 0.19265439434602583 | 0.19106230455042789 | 0.09963888741775492 | 0 | 0.14152610099457422 | 0.13596943594101873 900 | Rest/débits/boissons, casinos/activités/loterie | 0.004786911306327072 | 3.0432557097436947e-05 | 0.00013156698912542597 | 6.637293542382817e-05 | 0.0004344879479995154 | 0.0019166271949359283 | 0 | 0 | 0.0011471822266890383 1000 | Hotels,motels et pensions | 0.08937661301613214 | 0 | 0.009109407901250512 | 0.018943985946072404 | 0.027391567720356627 | 0.029188023024779845 | 0.03943137264142979 | 0 | 0.0339069611296037 1100 | Transport | 0.03341209802747592 | 0.10976455694303666 | 0.02084420074919758 | 0.006236946760094503 | 0.012483642409837892 | 0.0035140222158823327 | 0 | 0 | 0.014907126073535223 1200 | Immobilier résidentiel | 0.10014028623273852 | 0.18675542399360523 | 0.12734266227704108 | 0.011531633965249843 | 0.0851721347286399 | 0.10729311009174675 | 0.7349908726395028 | 0 | 0.09510995915754977 1300 | Immobilier commercial | 0.1436118936418847 | 0.04560239995243146 | 0.10404251485513825 | 0.1571297613906438 | 0.0069612713289833915 | 0.009895936820627874 | 0.20722056953505866 | 0 | 0.09641602315594865 1400 | Télécommunications | 0.06898268752569281 | 0 | 0.0010340599172508282 | 0.0013600269403557382 | 0.031786057905356636 | 0.0036734556961422896 | 0 | 0 | 0.021826454013577315 1500 | Services financiers | 0.014028441095768377 | 0 | 0.02287664115184308 | 0.026339691453286095 | 0.035415517946741096 | 0.2141479365342659 | 0 | 0.124523966249146 | 0.0395127253839003 1510 | Services professionnels | 0.017410440571277677 | 0.006679151517178792 | 0.01919913753486598 | 0.0031634799562302346 | 0.009371330685747706 | 0.0355377229880094 | 0 | 0 | 0.01152254038038154 1520 | Services médicaux | 0.0005512253343400494 | 0 | 0.0010238688881509842 | 8.896163314699386e-05 | 0.0016936257861884685 | 0.004529510117282046 | 0 | 0 | 0.0010461622772399398 1530 | Services d'agence ou de représentation | 6.280589408038735e-05 | 0.0006881600000842105 | 0.0011452884059563063 | 0.0004811658833283955 | 0.0008137782670410838 | 0.0002613138625880544 | 0 | 0 | 0.000539684597403167 1540 | Services d'enseignement | 0.01150864494211246 | 0 | 0.001693451396080764 | 0.0010849482240586654 | 0.0009225788878531354 | 0.0005140028438777907 | 0 | 0 | 0.0028600768130709526 1550 | Autres services | 0.0018139016269322604 | 0.009671033923322704 | 0.006860158898508159 | 0.005173129151703204 | 0.026571800439032477 | 0.02384847527531755 | 0 | 0 | 0.01191033830387165 1560 | Crédit à la consommation | 0.15408189578885342 | 0.018524587854598082 | 0.06548714816357866 | 0.11507097101756818 | 0.05457995367809022 | 0.034458470329775295 | 0.015795275447449745 | 0 | 0.08879407110284013 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1 | 1.0000000000000002 | 0.9999999999999997 | 1.0000000000000002 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999999 (1) Commerce de gros Import-export | 0.043147148243498135 | 0.034579865410665864 | 0.0666782224992339 | 0.033017013236024975 | 0.05852981313541631 | 0.021641846835019924 | 0 | 0 | 0.043487027375456996 Produits pétroliers | 0.007735418033571595 | 0 | 0.021036827577624515 | 0.036955313990573 | 0.01000501453362214 | 0.05375087402617019 | 0 | 0.1087677991351782 | 0.022434534824538624 Produits pharmaceutiques | 0 | 0 | 0.0013094600834245291 | 0.0018088287955174936 | 0.0018886991651639094 | 0.0014044757398734154 | 0 | 0 | 0.001335655895498284 Produits alimentaires | 0.017290066403000327 | 0.007500480812552762 | 0.035466709081416734 | 0.04990259455762875 | 0.06952143674089752 | 0.08339765905805704 | 0 | 0 | 0.04805280978438667 Matériaux de construction | 0 | 0.10488180697925335 | 0.052867524980735214 | 0.009007419862416703 | 0.07926719090506973 | 0.03312405010817104 | 0 | 0 | 0.034060722747714135 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.06386639824547932 | 0.09702659682446341 | 0.02079639876605679 | 0.020595552993987 | 0.04239791084423432 | 0.0021575188613603634 | 0 | 0.09650337271821299 | 0.033211380203205874 S-Total | 0.1320390309255494 | 0.24398875002693537 | 0.19815514298849168 | 0.15128672343614794 | 0.26161006532440395 | 0.19547642462865197 | - | 0.2052711718533912 | 0.18258213083080058 (2) Commerce de détail Produits pétroliers | 0.00564355819665195 | 0.004358387687480122 | 0.006306176812209992 | 0.0013788922197998912 | 0.007177614906808511 | 0.004378557813583328 | 0 | 0.1087677991351782 | 0.004933949681435347 Produits pharmaceutiques | 2.0722756930077047e-05 | 0 | 7.292284074356151e-05 | 9.898865895523116e-05 | 0.00011890602389805745 | 0.005241543715847793 | 0 | 0 | 0.000466486602770302 Véhicules automobiles | 0.0013663356217633218 | 0 | 0.0069179633121475475 | 0.030256781755269985 | 0.08261089612391088 | 0.05108032492498088 | 0 | 0 | 0.03706690698259261 Produits alimentaires | 0.0032541104613122524 | 0 | 0.03345664124493993 | 0.017041298421404037 | 0.03911712327188479 | 0.014940314931917944 | 0 | 0.03275830185939602 | 0.021683870207256047 Librairie ,papeterie | 3.6891061787609686e-05 | 0 | 0 | 0.0007288666493603465 | 0.003678753337392445 | 0 | 0 | 0 | 0.0012500007495902287 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.003067284312381066 | 0.005266626185677754 | 0.01815713258571013 | 0.017230284544923664 | 0 | 0 | 0.008285004004480411 Matériaux de construction | 0.0008856587500269852 | 0 | 0.0021606724946666165 | 0.0035820058571164226 | 0.012067016675037267 | 2.1642279680613537e-07 | 0 | 0 | 0.004848001686999867 Autres | 0.02295630577097355 | 0.3089428855836115 | 0.005208869414477279 | 0.1343009345464819 | 0.028134861625785806 | 0.006767540856127853 | 0 | 0 | 0.057474850936375714 S-Total | 0.03416358261944574 | 0.31330127327109164 | 0.057190530431565995 | 0.19265439429406556 | 0.19106230455042789 | 0.09963878321017827 | - | 0.14152610099457422 | 0.13600907085150052 [Secteur d'activitédec 20 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2020 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3649234 | 623021.10375 | 3544186.32347 | 13238628.976 | 15502234.379999999 | 2727210.882 | 0 | 176993.62708 | 0 | 39461509.29229999 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3063793 | 19232.41179 | 861105.72968 | 2130157.347 | 3514146.3100000005 | 2864241.812 | 174528.45 | 63552.83092 | 0 | 12690757.89139 Industries Manufacturières ( 200 à 290 ) | 2340661 | 1209.3326299999999 | 2765699.55533 | 7261881.4059999995 | 6956286.470000001 | 1492677.5469999998 | 11339.35 | 180289.5296 | 0 | 21010044.19056 Prêts aux Particuliers ( 1560 ) | 3383105 | 20872.75972 | 908958.63547 | 4429193.872 | 1869147.07 | 318436.605 | 69911.97 | 0 | 0 | 10999625.912190001 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5351954 | 261811.44036 | 3211615.72571 | 6491941.557 | 3155203.96 | 1082963.982 | 4170351.97 | 0 | 0 | 23725842.63507 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2248235 | 123678.2832 | 303669.26213000005 | 292414.925 | 1516061.76 | 66420.71 | 0 | 0 | 0 | 4550479.94033 Bâtiments et Travaux Publics ( 600 ) | 775626 | 76934.40452 | 1510072.5878299999 | 3570835.287 | 662709.72 | 537597.94 | 0 | 0 | 0 | 7133775.93935 Électricité, Gaz et Eau ( 300 à 500 ) | 1143930 | 0 | 664120.11366 | 1057587.5210000002 | 115327.84000000001 | 151621.18199999997 | 0 | 89530.27228 | 0 | 3222116.92894 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 110526.54572 | 18334.138 | 954918.7 | 0 | 0 | 0 | 0 | 1083779.38372 Total | 21956538 | 1126759.73597 | 13879954.478999998 | 38490975.02899999 | 34246036.21 | 9241170.660000002 | 4426131.74 | 510366.25988 | 0 | 123877932.11384998 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1662026135449951 | 0.5529316356105468 | 0.25534567341933717 | 0.3439411177821739 | 0.45267237016683626 | 0.2951153032812836 | 0 | 0.34679727284796547 | #DIV/0! | 0.3185515661985131 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1395389837869704 | 0.017068777997683138 | 0.0620395211657812 | 0.05534173518324984 | 0.1026146876809601 | 0.30994361184105645 | 0.039431372641429784 | 0.124523966249146 | #DIV/0! | 0.10244567111216032 Industries Manufacturières ( 200 à 290 ) | 0.1066042834257386 | 0.0010732834972656481 | 0.19925854652581387 | 0.18866452202181758 | 0.20312676268118682 | 0.16152472472573073 | 0.0025619097365592648 | 0.353255189013456 | #DIV/0! | 0.16960280037005077 Prêts aux Particuliers ( 1560 ) | 0.15408189578885342 | 0.018524587854598075 | 0.06548714816357865 | 0.11507097101756823 | 0.05457995367809021 | 0.03445847032977529 | 0.01579527544744974 | 0 | #DIV/0! | 0.08879407110284016 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24375217987462322 | 0.23235782394603666 | 0.2313851771321793 | 0.16866139535589372 | 0.09213340605762327 | 0.11718904691237461 | 0.9422114421745612 | 0 | #DIV/0! | 0.1915259823134985 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.10239478555316872 | 0.10976455694303665 | 0.021878260666448407 | 0.007596973700450244 | 0.04426970031519452 | 0.007187477912024621 | 0 | 0 | #DIV/0! | 0.03673358008711255 Bâtiments et Travaux Publics ( 600 ) | 0.03532551443219327 | 0.068279334150833 | 0.10879521183694799 | 0.09277071532507686 | 0.01935142846711368 | 0.05817422486600846 | 0 | 0 | #DIV/0! | 0.05758714096707478 Électricité, Gaz et Eau ( 300 à 500 ) | 0.05209974359345722 | 0 | 0.04784742735754617 | 0.027476246579962945 | 0.0033676259434171755 | 0.016407140131746028 | 0 | 0.17542357188943256 | #DIV/0! | 0.026010419079152164 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.00796303373236733 | 0.00047632303380692835 | 0.027884065009577935 | 0 | 0 | 0 | #DIV/0! | 0.008748768769597744 Total | 0.9999999999999999 | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 0.9999999999999999 [Secteur d' activitésept. 20 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2020 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 103763.36486 | 21264.05 | 1435005.05 | 0 | 0 | 0 | 0 | 1560032.46486 200 | Industrie alimentaire | 1441830.9485499999 | 1209.3326299999999 | 604415.94 | 905028.224 | 2187482.25 | 402011.535 | 12429.97 | 94679.83290000001 | 0 | 5649088.0330799995 210 | Industrie des boissons | 775189.04235 | 0 | 1041130.5716 | 1278551.228 | 2919311.85 | 220837.65 | 0 | 0 | 0 | 6235020.341950001 220 | Industrie du bois | 36458.33746 | 0 | 1163.50729 | 382.958 | 0 | 3733.517 | 0 | 0 | 0 | 41738.31975 230 | Industrie chimique | 231.68579 | 0 | 13312.69546 | 264733.6 | 20854.66 | 56225.348 | 0 | 81333.3335 | 0 | 436691.32274999993 240 | Industrie du textile | 344.65772 | 0 | 402590.57766 | 1108916.659 | 8190.39 | 63787.397 | 0 | 0 | 0 | 1583829.68138 250 | Industrie pharmacie | 0 | 0 | 25387.99782 | 0 | 88417.91 | 4321.414 | 0 | 0 | 0 | 118127.32182000001 260 | Imprimerie, édition | 75288.50398000001 | 0 | 7112.42619 | 141531.13 | 170252.05 | 56677.011 | 0 | 0 | 0 | 450861.12117 270 | Sidérurgie, aciérie | 20609.96818 | 0 | 28375.25991 | 187080.826 | 0 | 275022.983 | 0 | 0 | 0 | 511089.03709 280 | Industrie de la fabrication | 31430.145510000002 | 0 | 261486.88496999998 | 1755736.334 | 390201.23 | 175938.944 | 0 | 0 | 0 | 2614793.53848 290 | Autres industries | 0 | 0 | 14286.592869999999 | 77043.858 | 1146016.45 | 132416.394 | 0 | 0 | 0 | 1369763.29487 300 | Production et distribution de l'électricité | 1026559.05192 | 0 | 334960.71611000004 | 455246.279 | 0 | 3484.422 | 0 | 89530.27228 | 0 | 1909780.74131 400 | Production et distribution de gaz | 0 | 0 | 0 | 336812.017 | 65274.55 | 127478.815 | 0 | 0 | 0 | 529565.382 500 | Traitement et distribution de l'eau | 0 | 0 | 344372.56169999996 | 270133.423 | 38715.3 | 7035.755 | 0 | 0 | 0 | 660257.0397 600 | Entrep/ batiment et corps/ métiers corresp. | 789796.41263 | 73330.20064 | 1393328.4891300001 | 3009504.484 | 754627.56 | 570384.855 | 0 | 0 | 0 | 6590972.001400001 700 | Commerce de gros(1) | 3178016.0804000003 | 248573.93335 | 2815102.98311 | 4986794.818 | 8362650.75 | 1545884.677 | 0 | 102210.0335 | 0 | 21239233.275360003 800 | Commerce de détail(2) | 640763.91258 | 336087.6155 | 1034421.73729 | 6813508.613 | 6759646.12 | 776339.653 | 0 | 69676.70009999999 | 0 | 16430444.35147 900 | Rest/débits/boissons, casinos/activités/loterie | 97885.77997 | 34.29018 | 1929.3141799999999 | 2559.367 | 13811.87 | 17217.297 | 0 | 0 | 0 | 133437.91833 1000 | Hotels,motels et pensions | 1812083.8661300002 | 0 | 131228.54258 | 688174.233 | 872662.34 | 258048.3 | 173187.4 | 0 | 0 | 3935384.6817099997 1100 | Transport | 928436.11628 | 121958.20726000001 | 249095.21922 | 239791.074 | 349839.11 | 51131.733 | 0 | 0 | 0 | 1940251.45976 1200 | Immobilier résidentiel / Avance Hypothécaire | 2151349.1525100004 | 210231.65282 | 1755745.8927200001 | 432717.997 | 2772863.44 | 953815.529 | 3170457.8 | 0 | 0 | 11447181.46405 1300 | Immobilier commercial | 3113565.6451999997 | 51918.20269 | 1545758.7623299998 | 6064286.379 | 154866.65 | 96174.588 | 903162.52 | 0 | 0 | 11929732.74722 1400 | Télécommunications | 1319651.38919 | 0 | 13542.6569 | 50764.484 | 1073933.85 | 34344.56 | 0 | 0 | 0 | 2492236.94009 1500 | Services financiers | 158746.44713 | 0 | 167426.26632 | 592574.02 | 1036533.41 | 1869972.489 | 0 | 58134.25836 | 0 | 3883386.89081 1510 | Services professionnels | 350305.10968 | 7730.82381 | 288521.98436 | 95522.377 | 312725.89 | 293957.064 | 0 | 0 | 0 | 1348763.2488499999 1520 | Services médicaux | 1156.79087 | 0 | 13260.4141 | 3919.212 | 42439.21 | 40933.645 | 0 | 0 | 0 | 101709.27197 1530 | Services d'agence ou de représentation | 1420.9521599999998 | 775.39098 | 14905.35161 | 20135.457 | 18054.57 | 2333.098 | 0 | 0 | 0 | 57624.819749999995 1540 | Services d'enseignement | 184749.22172 | 0 | 26109.10945 | 35733.943 | 40112.33 | 5472.254 | 0 | 0 | 0 | 292176.85817 1550 | Autres services | 3385203.8818 | 9500.61441 | 164387.2754 | 139497.758 | 1091845.04 | 170677.02 | 0 | 0 | 0 | 4961111.589609999 1560 | Crédit à la consommation | 3096292.52661 | 19919.872460000002 | 963307.74057 | 4133179.073 | 1879872.95 | 285456.969 | 66321.77 | 0 | 0 | 10444350.90164 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 24617365.626319997 | 1081270.13673 | 13760430.835709997 | 34111123.87500001 | 34006206.78 | 8501114.916 | 4325559.459999999 | 495564.43064000004 | 0 | 120898636.06039998 (1) Commerce de gros Import-export | 892104 | 40284.00969 | 971287.42856 | 1147790.135 | 1697163.46 | 150038 | 0 | 0 | 4898667.03325 Produits pétroliers | 321619 | 465185.71355 | 571905.106 | 316412.64 | 196098 | 54383.4225 | 0 | 1925603.8820500004 Produits pharmaceutiques | 0 | 22432.6165 | 54787.442 | 77043.61 | 12614 | 0 | 166877.6685 Produits alimentaires | 428392 | 8425.87964 | 425244.57588 | 1982644.661 | 2290598.14 | 780233 | 0 | 5915538.25652 Matériaux de construction | 0 | 108952.33812 | 774327.52341 | 321195.638 | 2455958.27 | 386292 | 0 | 4046725.76953 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1535900 | 90911.7059 | 156625.1252 | 908471.837 | 1525474.63 | 20609 | 47826.611 | 0 | 4285818.9091 S-Total | 3178015 | 248573.93335 | 2815102.9831 | 4986794.819 | 8362650.750000001 | 1545884 | 0 | 102210.03349999999 | 0 | 21239231.51895 (2) Commerce de détail Produits pétroliers | 140376 | 4910.85576 | 89305.22299 | 79154.028 | 247726.63 | 15655 | 54383.4225 | 631511.1592499999 Produits pharmaceutiques | 780 | 993.32416 | 4058.949 | 4014.31 | 47530 | 0 | 57376.58316 Véhicules automobiles | 47284 | 173700.51208 | 1227481.382 | 3106748.43 | 403555 | 0 | 4958769.32408 Produits alimentaires | 65371 | 621842.17585 | 524193.742 | 1321637.24 | 117717 | 15293.2776 | 0 | 2666054.43545 Librairie ,papeterie | 898 | 2978.9453 | 17697.821 | 117380.21 | 0 | 0 | 138954.9763 Appareils électro- ménagers électroni.équip. inform. | 0 | 40183.3653 | 214235.762 | 610966.3 | 132335 | 0 | 997720.4273000001 Matériaux de construction | 17764 | 30388.73357 | 133608.24 | 485030.83 | 1 | 0 | 666792.80357 Autres | 368290 | 331176.75974 | 75029.45742 | 4613078.689 | 866142.16 | 59547 | 0 | 6313264.066160001 S-Total | 640763 | 336087.6155 | 1034421.73667 | 6813508.613 | 6759646.11 | 776340 | 0 | 69676.7001 | 0 | 16430443.775270002 [Secteur d'activitésept. 20% ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2020 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.007540706108614086 | 0.0006233758253736222 | 0.04219832747838158 | 0 | 0 | 0 | 0.012903639906083146 200 | Industrie alimentaire | 0.0585696686817068 | 0.0011184370944131402 | 0.04392420173585458 | 0.02653176211128282 | 0.06432597037804638 | 0.047289271933422715 | 0.002873609787345289 | 0.1910545371017147 | 0.046725821044480274 210 | Industrie des boissons | 0.03148952061390338 | 0 | 0.07566118997510886 | 0.037481943798898056 | 0.08584644176535822 | 0.025977492620922006 | 0 | 0 | 0.05157229680271195 220 | Industrie du bois | 0.0014810007704894332 | 0 | 8.45545683773619e-05 | 1.1226777558058395e-05 | 0 | 0.00043917968841629526 | 0 | 0 | 0.00034523400023427786 230 | Industrie chimique | 9.411477796482412e-06 | 0 | 0.0009674621106667629 | 0.007760916965682941 | 0.0006132604008120425 | 0.006613879303546166 | 0 | 0.1641226215427962 | 0.0036120450732945613 240 | Industrie du textile | 1.4000593127296465e-05 | 0 | 0.029257120105224348 | 0.03250894526558603 | 0.000240849855821526 | 0.0075034154496541805 | 0 | 0 | 0.013100476010239946 250 | Industrie pharmacie | 0 | 0 | 0.0018450002127923966 | 0 | 0.002600052119073776 | 0.000508334970495063 | 0 | 0 | 0.00097707737381739 260 | Imprimerie, édition | 0.0030583493426081408 | 0 | 0.0005168752544827584 | 0.004149119522377507 | 0.005006499287069264 | 0.006667009158213807 | 0 | 0 | 0.0037292490292839485 270 | Sidérurgie, aciérie | 0.0008372125796419324 | 0 | 0.0020620909511323395 | 0.0054844521302070395 | 0 | 0.03235140163584633 | 0 | 0 | 0.004227417725661223 280 | Industrie de la fabrication | 0.0012767469105790924 | 0 | 0.019002812345919405 | 0.0514710784796738 | 0.01147441208378137 | 0.020695984672417997 | 0 | 0 | 0.021627982115312454 290 | Autres industries | 0 | 0 | 0.0010382373226951985 | 0.0022586138845007487 | 0.033700214123087796 | 0.0155763561966182 | 0 | 0 | 0.011329849033083197 300 | Production et distribution de l'électricité | 0.04170060547918418 | 0 | 0.024342313122982757 | 0.013345977126647807 | 0 | 0.00040987823766997297 | 0 | 0.1806632331629926 | 0.015796544969753745 400 | Production et distribution de gaz | 0 | 0 | 0 | 0.009873964230385533 | 0.0019194892985944492 | 0.014995540733142115 | 0 | 0 | 0.0043802428154394845 500 | Traitement et distribution de l'eau | 0 | 0 | 0.025026292113348017 | 0.007919217906448998 | 0.0011384774623781195 | 0.0008276273253003513 | 0 | 0 | 0.005461244735384284 600 | Entrep/ batiment et corps/ métiers corresp. | 0.03208289727742347 | 0.06781857571852187 | 0.1012561674678196 | 0.08822648280450418 | 0.02219087723844041 | 0.06709529992665729 | 0 | 0 | 0.054516512478331065 700 | Commerce de gros(1) | 0.12909651376352718 | 0.22989068587591124 | 0.2045795670731809 | 0.14619262725772617 | 0.24591542373724282 | 0.18184493354989015 | 0 | 0.20624973702814015 | 0.17567802224624812 800 | Commerce de détail(2) | 0.02602893917677846 | 0.31082668806187813 | 0.07517364460751835 | 0.19974447743111773 | 0.1987768339977141 | 0.09132209841544979 | 0 | 0.14060068841102163 | 0.13590264445383388 900 | Rest/débits/boissons, casinos/activités/loterie | 0.003976289805166807 | 3.1712870664958056e-05 | 0.00014020739634061416 | 7.503027485634258e-05 | 0.00040615732561278037 | 0.0020252987014203537 | 0 | 0 | 0.001103717317897081 1000 | Hotels,motels et pensions | 0.07360998303541406 | 0 | 0.009536659436523305 | 0.02017448136630766 | 0.025661854779793818 | 0.030354642014581608 | 0.04003815034830201 | 0 | 0.03255110901122088 1100 | Transport | 0.03771468200022791 | 0.1127916171150612 | 0.01810228343821674 | 0.007029703122028838 | 0.010287507579520752 | 0.006014709071131912 | 0 | 0 | 0.01604858022377247 1200 | Immobilier résidentiel | 0.08739152617572758 | 0.19443027757687548 | 0.1275938169147746 | 0.012685539139246547 | 0.08153992175424865 | 0.11219887490343392 | 0.7329590147397952 | 0 | 0.09468412413131842 1300 | Immobilier commercial | 0.12647842553352207 | 0.048015940629796854 | 0.11233360210776012 | 0.1777803159234078 | 0.004554070114373397 | 0.011313173501394415 | 0.20879669516784316 | 0 | 0.09867549491013283 1400 | Télécommunications | 0.05360652350952924 | 0 | 0.0009841739013618058 | 0.0014882090717979893 | 0.03158052460680826 | 0.004040006556711743 | 0 | 0 | 0.020614268459115608 1500 | Services financiers | 0.006448555444140376 | 0 | 0.012167225599180253 | 0.017371870307512697 | 0.030480712438930833 | 0.21996791097136137 | 0 | 0.11730918275333466 | 0.032121014904335984 1510 | Services professionnels | 0.014229999870719979 | 0.00714976169912518 | 0.020967510959849472 | 0.0028003292225152452 | 0.009196141516845767 | 0.03457864843665878 | 0 | 0 | 0.011156149422365433 1520 | Services médicaux | 4.6990847337588436e-05 | 0 | 0.0009636627121868603 | 0.00011489542280582508 | 0.0012479842363647474 | 0.004815091362070467 | 0 | 0 | 0.0008412772491427188 1530 | Services d'agence ou de représentation | 5.772153615335547e-05 | 0.0007171112506121309 | 0.0010832038464463477 | 0.0005902900494802296 | 0.0005309198440391299 | 0.0002744461194859115 | 0 | 0 | 0.0004766374677809525 1540 | Services d'enseignement | 0.007504833154140296 | 0 | 0.0018974049404211731 | 0.0010475744842341403 | 0.0011795590804791313 | 0.0006437101549704542 | 0 | 0 | 0.002416709300376481 1550 | Autres services | 0.137512840861439 | 0.00878653177154412 | 0.011946375615899684 | 0.00408950929061114 | 0.03210722816171736 | 0.020077015978076918 | 0 | 0 | 0.041035298257057824 1560 | Crédit à la consommation | 0.12577676155971604 | 0.018422660335595788 | 0.07000563805532156 | 0.12116807080722429 | 0.05528028933546348 | 0.033578768411039794 | 0.015332529956714552 | 0 | 0.08638931953229056 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1.0000000000000002 | 1 | 0.9999999999999998 | 0.9999999999999999 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.03623880855253637 | 0.037256193731409024 | 0.07058553908351406 | 0.03364855814209082 | 0.04990746162839159 | 0.01764921442452361 | 0 | 0 | 0.040518794858882164 Produits pétroliers | 0.013064720444990938 | 0 | 0.03380604278339791 | 0.01676594145932402 | 0.009304555549138492 | 0.023067327278557637 | 0 | 0.10974036701900934 | 0.01592742436802996 Produits pharmaceutiques | 0 | 0 | 0.0016302263183347882 | 0.0016061459071465434 | 0.002265574943375087 | 0.0014838053743114466 | 0 | 0 | 0.0013803105968592504 Produits alimentaires | 0.017402024509965388 | 0.007792575928788455 | 0.03090343470761384 | 0.058123111635529474 | 0.06735823712473468 | 0.0917800791672065 | 0 | 0 | 0.04892973526653059 Matériaux de construction | 0 | 0.10076329163172486 | 0.05627204065446306 | 0.009416155245339302 | 0.0722208826726425 | 0.04544015741664161 | 0 | 0 | 0.03347205478404478 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.062390916368316486 | 0.08407862458398889 | 0.01138228352513053 | 0.02663271489761197 | 0.04485871181896048 | 0.002424270252036198 | 0 | 0.09650937000913079 | 0.03544968784394589 S-Total | 0.1290964698758092 | 0.22989068587591122 | 0.20457956707245417 | 0.14619262728704213 | 0.24591542373724282 | 0.181844853913277 | - | 0.20624973702814015 | 0.17567800771829264 (2) Commerce de détail Produits pétroliers | 0.005702316085760007 | 0.004541747333234888 | 0.006490001952427394 | 0.0023204755225907955 | 0.00728474750514353 | 0.0018415231595723556 | 0 | 0.10974036701900934 | 0.005223476292441397 Produits pharmaceutiques | 3.168495004055398e-05 | 0 | 7.218699558608315e-05 | 0.00011899194570293235 | 0.00011804639152994058 | 0.0055910313493755396 | 0 | 0 | 0.0004745842056591534 Véhicules automobiles | 0.001920757920150711 | 0 | 0.012623188485437968 | 0.03598478274999374 | 0.09135827615525662 | 0.047470832236424274 | 0 | 0 | 0.041015924460906565 Produits alimentaires | 0.0026554831655141724 | 0 | 0.045190603642746685 | 0.015367237500614304 | 0.03886458870729716 | 0.013847242527970552 | 0 | 0.03086032139201232 | 0.022051981083707685 Librairie ,papeterie | 3.6478314277458304e-05 | 0 | 0.0002164863393862112 | 0.0005188284345263308 | 0.0034517289963970515 | 0 | 0 | 0 | 0.0011493510665461868 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.002920211276795147 | 0.006280524874673304 | 0.017966317265333057 | 0.015566781687767978 | 0 | 0 | 0.008252536668830135 Matériaux de construction | 0.0007216044263082063 | 0 | 0.002208414397254011 | 0.003916852475738018 | 0.014263008901223884 | 1.1763162948402145e-07 | 0 | 0 | 0.005515304599771297 Autres | 0.014960577244148239 | 0.30628494072864326 | 0.005452551472828119 | 0.1352367839272783 | 0.025470119781468906 | 0.007004610640885025 | 0 | 0 | 0.052219481309995465 S-Total | 0.026028902106199348 | 0.31082668806187813 | 0.07517364456246163 | 0.19974447743111773 | 0.19877683370365018 | 0.0913221392336252 | - | 0.14060068841102166 | 0.1359026396878579 [Secteur d'activitésept 20 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2020 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3818779.9929800006 | 584661.54885 | 3849524.7204 | 11800303.431 | 15122296.870000001 | 2322224.33 | 0 | 171886.73359999998 | 0 | 37669677.62683 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 5991552.04946 | 18041.11938 | 807768.258 | 1578116.367 | 3428184.66 | 2658611.167000001 | 173187.4 | 58134.25836 | 0 | 14713595.279200003 Industries Manufacturières ( 200 à 290 ) | 2381383.28954 | 1209.3326299999999 | 2399262.4537699996 | 5719004.817 | 6930726.79 | 1390972.193 | 12429.97 | 176013.1664 | 0 | 19011002.012339998 Prêts aux Particuliers ( 1560 ) | 3096292.52661 | 19919.872460000002 | 963307.74057 | 4133179.073 | 1879872.95 | 285456.969 | 66321.77 | 0 | 0 | 10444350.90164 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5264914.79771 | 262149.85550999996 | 3301504.65505 | 6497004.376 | 2927730.09 | 1049990.117 | 4073620.32 | 0 | 0 | 23376914.211269997 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2248087.50547 | 121958.20726000001 | 262637.87612 | 290555.55799999996 | 1423772.96 | 85476.293 | 0 | 0 | 0 | 4432488.39985 Bâtiments et Travaux Publics ( 600 ) | 789796.41263 | 73330.20064 | 1393328.4891300001 | 3009504.484 | 754627.56 | 570384.855 | 0 | 0 | 0 | 6590972.001400001 Électricité, Gaz et Eau ( 300 à 500 ) | 1026559.05192 | 0 | 679333.27781 | 1062191.719 | 103989.85 | 137998.992 | 0 | 89530.27228 | 0 | 3099603.1630100003 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 103763.36486 | 21264.05 | 1435005.05 | 0 | 0 | 0 | 0 | 1560032.46486 Total | 24617365.62632 | 1081270.13673 | 13760430.835709998 | 34111123.875 | 34006206.78 | 8501114.916000001 | 4325559.46 | 495564.43064000004 | 0 | 120898636.0604 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.15512545294030564 | 0.5407173739377894 | 0.2797532116806992 | 0.345937104688844 | 0.44469225773495696 | 0.27316703196533987 | 0 | 0.3468504254391617 | #DIV/0! | 0.31158066670008194 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.24338721455451143 | 0.01668511759194639 | 0.05870225050684771 | 0.04626398041832329 | 0.10081055738378357 | 0.3127367637386259 | 0.040038150348302 | 0.11730918275333466 | #DIV/0! | 0.12170191293017737 Industries Manufacturières ( 200 à 290 ) | 0.09673591096985254 | 0.0011184370944131402 | 0.17435954458225394 | 0.16765805893576702 | 0.20380770001305037 | 0.16362232562955273 | 0.002873609787345288 | 0.3551771586445108 | #DIV/0! | 0.15724744820811917 Prêts aux Particuliers ( 1560 ) | 0.125776761559716 | 0.018422660335595788 | 0.07000563805532155 | 0.12116807080722432 | 0.05528028933546348 | 0.03357876841103979 | 0.015332529956714549 | 0 | #DIV/0! | 0.08638931953229055 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.2138699517092496 | 0.2424462182066723 | 0.2399274190225347 | 0.1904658550626544 | 0.08609399186862204 | 0.12351204840482831 | 0.9417557099076381 | 0 | #DIV/0! | 0.1933596190414512 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.09132120550975714 | 0.1127916171150612 | 0.01908645733957854 | 0.008517912193826829 | 0.041868032186329014 | 0.010054715627843654 | 0 | 0 | #DIV/0! | 0.03666284868288807 Bâtiments et Travaux Publics ( 600 ) | 0.032082897277423465 | 0.06781857571852187 | 0.10125616746781958 | 0.0882264828045042 | 0.02219087723844041 | 0.06709529992665728 | 0 | 0 | #DIV/0! | 0.05451651247833106 Électricité, Gaz et Eau ( 300 à 500 ) | 0.04170060547918417 | 0 | 0.04936860523633077 | 0.031139159263482347 | 0.0030579667609725684 | 0.016233046296112434 | 0 | 0.1806632331629926 | #DIV/0! | 0.025638032520577513 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007540706108614085 | 0.0006233758253736223 | 0.04219832747838158 | 0 | 0 | 0 | #DIV/0! | 0.012903639906083144 Total | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 0.9999999999999998 | #DIV/0! | 0.9999999999999999 [Secteur d' activitéjuin 20] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2020 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 126493.83055 | 9395.856 | 744343.57 | 0 | 0 | 0 | 0 | 880233.2565499999 200 | Industrie alimentaire | 1446166 | 1209.3326299999999 | 651545.9562799999 | 793172.946 | 2712546.15 | 550575.742 | 11232.94 | 161826.05697 | 0 | 6328275.123880001 210 | Industrie des boissons | 187 | 0 | 1603453.33536 | 1180348.372 | 3545963.01 | 299448.6 | 0 | 0 | 0 | 6629400.317359999 220 | Industrie du bois | 62563 | 0 | 2182.06742 | 773.525 | 0 | 4604.07 | 0 | 0 | 0 | 70122.66242000001 230 | Industrie chimique | 308 | 0 | 12822.91841 | 601363.09 | 976.22 | 68251.166 | 0 | 79706.66683 | 0 | 763428.06124 240 | Industrie du textile | 801 | 0 | 419948.56712 | 1716604.049 | 7703.9 | 276350.702 | 0 | 0 | 0 | 2421408.2181200003 250 | Industrie pharmacie | 0 | 0 | 128544.44072 | 0 | 51681.55 | 11513.829 | 0 | 0 | 0 | 191739.81972 260 | Imprimerie, édition | 95853 | 0 | 6005.12723 | 102239.726 | 113001.47 | 48125.398 | 0 | 0 | 0 | 365224.72122999997 270 | Sidérurgie, aciérie | 871 | 0 | 81486.85698000001 | 226698.564 | 0 | 218893.067 | 0 | 0 | 0 | 527949.4879800001 280 | Industrie de la fabrication | 33985 | 50.45233 | 428288.62489 | 2449521.502 | 703647.38 | 320477.775 | 0 | 0 | 0 | 3935970.7342199995 290 | Autres industries | 0 | 0 | 42085.785619999995 | 133555.365 | 894965.47 | 211928.527 | 0 | 0 | 0 | 1282535.14762 300 | Production et distribution de l'électricité | 1729544 | 0 | 334959.19423 | 1812502.799 | 0 | 6310.847 | 0 | 126020.19311 | 0 | 4009337.03334 400 | Production et distribution de gaz | 0 | 0 | 0 | 603638.716 | 81351.47 | 220064.755 | 0 | 0 | 0 | 905054.941 500 | Traitement et distribution de l'eau | 0 | 0 | 390754.08341 | 84168.318 | 35782.85 | 0 | 0 | 0 | 0 | 510705.25141 600 | Entrep/ batiment et corps/ métiers corresp. | 897211 | 103289.35152 | 2047046.00544 | 4420702.358 | 789700.97 | 947760.96 | 0 | 0 | 0 | 9205710.64496 700 | Commerce de gros(1) | 3267195 | 355252.30939999997 | 3526119.0043699997 | 8472334.348 | 10351920.34 | 2482739.552 | 0 | 125005.3153 | 0 | 28580565.869069997 800 | Commerce de détail(2) | 610060 | 488227.61473000003 | 1376000.73142 | 6569841.476 | 8476138.56 | 1093342.875 | 0 | 0 | 0 | 18613611.25715 900 | Rest/débits/boissons, casinos/activités/loterie | 156013 | 34.29018 | 2751.40477 | 2998.82 | 14796.49 | 21260.707 | 0 | 0 | 0 | 197854.71195 1000 | Hotels,motels et pensions | 1908215 | 0 | 138823.57815000002 | 927154.415 | 1138830.9 | 366691.824 | 182892.34 | 0 | 0 | 4662608.05715 1100 | Transport | 2276985 | 139495.27721 | 404963.37520999997 | 308618.198 | 482920.97 | 84827.807 | 0 | 0 | 0 | 3697810.62742 1200 | Immobilier résidentiel / Avance Hypothécaire | 2202905 | 244881.32452000002 | 1861197.2661 | 519811.802 | 3176117.14 | 1133566.539 | 3847947.41 | 0 | 0 | 12986426.48162 1300 | Immobilier commercial | 3450007 | 57631.9491 | 1598732.2311600002 | 6716277.417 | 3666677.43 | 160284.48 | 1394622.88 | 0 | 0 | 17044233.38726 1400 | Télécommunications | 2267603 | 0 | 21836.45346 | 65792.537 | 1211777.99 | 35307.464 | 0 | 0 | 0 | 3602317.4444600004 1500 | Services financiers | 147152 | 0 | 341596.10394999996 | 593089.45 | 754976.52 | 1785620.707 | 0 | 142453.52453999998 | 0 | 3764888.3054899997 1510 | Services professionnels | 1033745 | 7730.82381 | 295990.13444 | 112901.666 | 268725.31 | 507917.983 | 0 | 0 | 0 | 2227010.91725 1520 | Services médicaux | 1361 | 0 | 20343.73127 | 4374.659 | 2430.5 | 29265.131 | 0 | 0 | 0 | 57775.02127 1530 | Services d'agence ou de représentation | 332 | 775.39098 | 18453.79668 | 38501.762 | 27903.82 | 4358.514 | 0 | 0 | 0 | 90325.28365999999 1540 | Services d'enseignement | 184328 | 0 | 28427.56297 | 76104.427 | 29582.57 | 8420.13 | 0 | 0 | 0 | 326862.68997 1550 | Autres services | 58638 | 10374.469550000002 | 212922.66759 | 122798.496 | 1722988.91 | 216825.56 | 0 | 0 | 0 | 2344548.10314 1560 | Crédit à la consommation | 3061686 | 28433.47317 | 1053090.42628 | 3802331.174 | 1880150.82 | 289388.281 | 88821.39 | 0 | 0 | 10203901.564450001 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 24893714 | 1437386.05913 | 17176865.26148 | 42467615.83300001 | 42887602.28000001 | 11404122.992000002 | 5525516.96 | 635011.7567500001 | 0 | 146427835.14236003 (1) Commerce de gros Import-export | 591791 | 43655.47777 | 1043755.79298 | 1873384.304 | 2800657.33 | 131016 | 0 | 6484259.904750001 Produits pétroliers | 470304 | 0 | 317144.34985 | 2429165.901 | 543903.84 | 387526 | 98716.6297 | 0 | 4246760.72055 Produits pharmaceutiques | 0 | 0 | 30078.18817 | 71040.589 | 86306.5 | 12535 | 0 | 199960.27717000002 Produits alimentaires | 435232 | 9861.4907 | 804906.61799 | 2487432.629 | 2646321.4 | 996818 | 0 | 7380572.13769 Matériaux de construction | 0 | 180104.73089 | 1040341.75969 | 392876.018 | 3158410.67 | 822404 | 0 | 5594137.17858 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1769867 | 121630.61004 | 289892.29569 | 1218434.906 | 1116320.6 | 32612 | 26288.6856 | 0 | 4575046.09733 S-Total | 3267194 | 355252.3094 | 3526119.00437 | 8472334.347000001 | 10351920.34 | 2382911 | 0 | 125005.3153 | 0 | 28480736.31607 (2) Commerce de détail Produits pétroliers | 100898 | 4910.85576 | 65604.18463 | 26082.376 | 170636 | 29952 | 398083.41639 Produits pharmaceutiques | 1094 | 0 | 946.7156 | 4208.249 | 859.28 | 41624 | 0 | 48732.2446 Véhicules automobiles | 34804 | 0 | 270960.12985 | 1860673.37 | 4336398.03 | 552894 | 0 | 7055729.5298500005 Produits alimentaires | 113458 | 0 | 845997.42634 | 852566.569 | 1326136.93 | 169789 | 0 | 3307947.9253399996 Librairie ,papeterie | 478 | 0 | 0 | 29918.831 | 180128.02 | 0 | 0 | 210524.851 Appareils électro- ménagers électroni.équip. inform. | 30535 | 0 | 70611.37865 | 312193.331 | 686831.95 | 194703 | 0 | 1294874.6596499998 Matériaux de construction | 0 | 0 | 30770.39849 | 222624.362 | 874853.86 | 28 | 0 | 1128276.62049 Autres | 328793 | 483316.75897 | 91110.49785 | 3261574.39 | 900294.49 | 104354 | 0 | 5169443.136820001 S-Total | 610060 | 488227.61473000003 | 1376000.7314100002 | 6569841.478 | 8476138.56 | 1093344 | 0 | 0 | 0 | 18613612.38414 [Secteur d'activitéjuin 20% ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2020 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.00736419763585553 | 0.0002212475510032948 | 0.017355681605616676 | 0 | 0 | 0 | 0.006011379296116888 200 | Industrie alimentaire | 0.05809362154638717 | 0.0008413415604795604 | 0.03793159848212381 | 0.01867712444981794 | 0.06324779203767601 | 0.0482786569722397 | 0.002032921097033426 | 0.25483946596237567 | 0.04321770596230919 210 | Industrie des boissons | 0 | 0 | 0.09334959033274984 | 0.02779408141586312 | 0.08268037431539059 | 0.026257924455046943 | 0 | 0 | 0.045274181038835716 220 | Industrie du bois | 0.0025132047391562386 | 0 | 0.00012703525275321322 | 1.8214467302374963e-05 | 0 | 0.00040371977777070247 | 0 | 0 | 0.0004788888830585071 230 | Industrie chimique | 1.2372601372378586e-05 | 0 | 0.0007465226171830114 | 0.014160509795624152 | 2.276228905562402e-05 | 0.0059847798947694816 | 0 | 0.1255199860203218 | 0.005213681268303804 240 | Industrie du textile | 3.2176797724919634e-05 | 0 | 0.024448498647873556 | 0.04042148388434113 | 0.0001796300000569768 | 0.02423252556938049 | 0 | 0 | 0.0165365295182153 250 | Industrie pharmacie | 0 | 0 | 0.007483579731411615 | 0 | 0.0012050463829287308 | 0.0010096198548609969 | 0 | 0 | 0.0013094492555570925 260 | Imprimerie, édition | 0.003850490127748716 | 0 | 0.00034960553853017674 | 0.0024074750605743516 | 0.0026348283418188793 | 0.004219999910011493 | 0 | 0 | 0.0024942301501276807 270 | Sidérurgie, aciérie | 3.49887525822784e-05 | 0 | 0.0047439888326270135 | 0.005338151425582054 | 0 | 0.019194204337637678 | 0 | 0 | 0.0036055268280564086 280 | Industrie de la fabrication | 0.0013652040832476825 | 3.5100055186660884e-05 | 0.0249340387998769 | 0.05767975088671136 | 0.01640677824342107 | 0.02810192201757341 | 0 | 0 | 0.026879935296409807 290 | Autres industries | 0 | 0 | 0.0024501435494391124 | 0.003144875509969624 | 0.020867696546825926 | 0.018583500646973727 | 0 | 0 | 0.008758820659836252 300 | Production et distribution de l'électricité | 0.06947713788308164 | 0 | 0.019500600903074157 | 0.04267964573588262 | 0 | 0.0005533829304039479 | 0 | 0.19845332274629573 | 0.0273809759561223 400 | Production et distribution de gaz | 0 | 0 | 0 | 0.014214094767498926 | 0.001896852835672211 | 0.01929694682829846 | 0 | 0 | 0.006180894091072833 500 | Traitement et distribution de l'eau | 0 | 0 | 0.022748858855304994 | 0.0019819412121222946 | 0.0008343401845219684 | 0 | 0 | 0 | 0.0034877607178545136 600 | Entrep/ batiment et corps/ métiers corresp. | 0.03604166899322456 | 0.07185915771474607 | 0.11917459759264722 | 0.1040958450642486 | 0.018413269290371712 | 0.0831068693896808 | 0 | 0 | 0.06286858394109307 700 | Commerce de gros(1) | 0.13124578357411834 | 0.2471516313543641 | 0.20528303335286108 | 0.1995010593793792 | 0.24137325916276423 | 0.2177054345820054 | 0 | 0.19685511956468196 | 0.19518533372622363 800 | Commerce de détail(2) | 0.02450658828971844 | 0.3396635243738953 | 0.08010779094284172 | 0.15470238550323373 | 0.1976361024955858 | 0.0958725958819438 | 0 | 0 | 0.12711798435764265 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006267164473730195 | 2.385592915848555e-05 | 0.00016018084371716918 | 7.061427728348546e-05 | 0.00034500623055115675 | 0.00186430004437118 | 0 | 0 | 0.0013512097051605095 1000 | Hotels,motels et pensions | 0.07665449197335521 | 0 | 0.008082008913542507 | 0.021832033581681377 | 0.026553848652226396 | 0.032154320350388586 | 0.03309958892968451 | 0 | 0.03184236147872377 1100 | Transport | 0.09146827186975796 | 0.09704788516902109 | 0.02357609313721236 | 0.007267142078651474 | 0.011260153152119742 | 0.007438345505349841 | 0 | 0 | 0.025253467852098716 1200 | Immobilier résidentiel | 0.08849242021499885 | 0.1703657294883034 | 0.10835488535116067 | 0.012240192716353846 | 0.07405676631824985 | 0.09939971182310096 | 0.6963959097141202 | 0 | 0.08868823655689739 1300 | Immobilier commercial | 0.13858948487959652 | 0.0400949687343445 | 0.09307473784202284 | 0.15815056450098688 | 0.08549504367395937 | 0.01405495890498898 | 0.25239681465026215 | 0 | 0.11640022793951206 1400 | Télécommunications | 0.09109138957730453 | 0 | 0.0012712711619721072 | 0.0015492401847733363 | 0.02825473856264272 | 0.0030960262375956662 | 0 | 0 | 0.024601316006330056 1500 | Services financiers | 0.005911211159572252 | 0 | 0.019886987453761235 | 0.013965687462471866 | 0.01760360756637757 | 0.15657676686340666 | 0 | 0.22433210570632472 | 0.025711561615520035 1510 | Services professionnels | 0.04152634677171916 | 0.005378390698097629 | 0.017231906400510286 | 0.0026585355402096366 | 0.006265804001948508 | 0.04453810111977087 | 0 | 0 | 0.015208931519644853 1520 | Services médicaux | 5.4672436583789785e-05 | 0 | 0.001184368099784881 | 0.00010301164579624491 | 5.667138918450163e-05 | 0.0025661886512912484 | 0 | 0 | 0.00039456310484840525 1530 | Services d'agence ou de représentation | 1.3336700180615877e-05 | 0.0005394451790281849 | 0.0010743401894979978 | 0.0009066146343464309 | 0.0006506267199976467 | 0.00038218756523912447 | 0 | 0 | 0.0006168586974749983 1540 | Services d'enseignement | 0.007404600213531818 | 0 | 0.001654991323344095 | 0.0017920579130053743 | 0.000689769733613562 | 0.000738340861976561 | 0 | 0 | 0.0022322442290580724 1550 | Autres services | 0.0023555344132257646 | 0.007217594385379882 | 0.012395897874770549 | 0.002891579703529715 | 0.040174521735935095 | 0.019012909642600596 | 0 | 0 | 0.016011628532652852 1560 | Crédit à la consommation | 0.12299032599153345 | 0.019781375357995193 | 0.06130865034155034 | 0.0895348396517553 | 0.0438390285314873 | 0.02537575938132253 | 0.016074765608899696 | 0 | 0.06968553181524241 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 0.9999924880634526 | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999998 | 0.9999999999999998 | 0.9999999999999996 | 0.9999999999999999 | 1 | 0.9999999999999998 (1) Commerce de gros Import-export | 0.023772708242731477 | 0.030371435351490155 | 0.06076520815009685 | 0.04411324410974497 | 0.06530225942022515 | 0.011488476587976804 | 0 | 0 | 0.04428297323692504 Produits pétroliers | 0.01889248024621798 | 0 | 0.018463459136587188 | 0.0572004303361995 | 0.012682076196496566 | 0.033981218921599644 | 0 | 0.0006741657390756734 | 0.02900241416818882 Produits pharmaceutiques | 0 | 0 | 0.0017510871577628242 | 0.0016728179250598994 | 0.0020123880891389384 | 0.0010991638733459214 | 0 | 0 | 0.0013655892472602268 Produits alimentaires | 0.017483610521113885 | 0.006860711245501309 | 0.04685992500593483 | 0.058572457629399305 | 0.06170364532675384 | 0.08740856273641281 | 0 | 0 | 0.05040416072882907 Matériaux de construction | 0 | 0.12530017927056505 | 0.06056645050497192 | 0.009251190826086135 | 0.07364390877763939 | 0.07211462035063256 | 0 | 0 | 0.03820405575989886 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.07109694439327133 | 0.08461930548680763 | 0.01687690339750748 | 0.028690918529342052 | 0.02602898135251034 | 0.00285966750997664 | 0 | 0.04139873840217683 | 0.031244374356023567 S-Total | 0.13124574340333467 | 0.24715163135436413 | 0.2052830333528611 | 0.19950105935583184 | 0.24137325916276423 | 0.2089517099799444 | - | 0.042072904141252504 | 0.19450356749712558 (2) Commerce de détail Produits pétroliers | 0.0040531517313969305 | 0.0034165182894374054 | 0.0038193339489668555 | 0.0006141709509327423 | 0.003978678940500564 | 0.0026264185348589576 | 0 | 0 | 0.0027186321234823657 Produits pharmaceutiques | 4.394683734214991e-05 | 0 | 5.51157376848649e-05 | 9.909313055266751e-05 | 2.0035626948553203e-05 | 0.0036499080226685783 | 0 | 0 | 0.0003328072463314202 Véhicules automobiles | 0.00139810395507878 | 0 | 0.01577471358861049 | 0.043813935242254395 | 0.10111075927464974 | 0.04848193941681052 | 0 | 0 | 0.048185712251979144 Produits alimentaires | 0.0045576967743744465 | 0 | 0.04925214312748861 | 0.020075687138939927 | 0.03092121870889537 | 0.014888387306863234 | 0 | 0 | 0.022590977474494157 Librairie ,papeterie | 1.920163459739274e-05 | 0 | 0 | 0.0007045093164083674 | 0.004200002108394854 | 0 | 0 | 0 | 0.0014377379191280373 Appareils électro- ménagers électroni.équip. inform. | 0.0012266148795635717 | 0 | 0.004110841971168606 | 0.007351327002383923 | 0.016014696870109098 | 0.017073035790352686 | 0 | 0 | 0.008843090921825739 Matériaux de construction | 0 | 0 | 0.0017913861476811018 | 0.005242214747242929 | 0.02039875893010636 | 2.455252369659816e-06 | 0 | 0 | 0.007705342494431247 Autres | 0.013207872477365169 | 0.3362470060844579 | 0.0053042564206590105 | 0.07680144802161348 | 0.020991952035981244 | 0.009150550206552874 | 0 | 0 | 0.03530369162252632 S-Total | 0.02450658828971844 | 0.3396635243738953 | 0.08010779094225953 | 0.15470238555032842 | 0.1976361024955858 | 0.09587269453047652 | - | 0 | 0.12711799205419844 [Secteur d'activitéjuin 20 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2020 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3877255 | 843479.9241299999 | 4902119.735789999 | 15042175.824 | 18828058.9 | 3576082.427 | 0 | 125005.3153 | 0 | 47194177.12622 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3489784 | 18914.974520000003 | 1059308.97982 | 1877923.695 | 3960235.0199999996 | 2940360.556 | 182892.34 | 142453.52453999998 | 0 | 13671873.089879999 Industries Manufacturières ( 200 à 290 ) | 1640734 | 1259.78496 | 3376363.6800300004 | 7204277.139 | 8030485.149999999 | 2010168.876 | 11232.94 | 241532.7238 | 0 | 22516054.293789998 Prêts aux Particuliers ( 1560 ) | 3061686 | 28433.47317 | 1053090.42628 | 3802331.174 | 1880150.82 | 289388.281 | 88821.39 | 0 | 0 | 10203901.564450001 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5652912 | 302513.27362 | 3459929.49726 | 7236089.2190000005 | 6842794.57 | 1293851.019 | 5242570.29 | 0 | 0 | 30030659.868880004 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 4544588 | 139495.27721 | 426799.82866999996 | 374410.735 | 1694698.96 | 120135.27100000001 | 0 | 0 | 0 | 7300128.07188 Bâtiments et Travaux Publics ( 600 ) | 897211 | 103289.35152 | 2047046.00544 | 4420702.358 | 789700.97 | 947760.96 | 0 | 0 | 0 | 9205710.64496 Électricité, Gaz et Eau ( 300 à 500 ) | 1729544 | 0 | 725713.27764 | 2500309.833 | 117134.32 | 226375.602 | 0 | 126020.19311 | 0 | 5425097.225750001 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 126493.83055 | 9395.856 | 744343.57 | 0 | 0 | 0 | 0 | 880233.2565499999 Total | 24893714 | 1437386.05913 | 17176865.261480004 | 42467615.833 | 42887602.279999994 | 11404122.991999997 | 5525516.96 | 635011.75675 | 0 | 146427835.14236 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.15575237186383678 | 0.5868151557282594 | 0.2853908242957027 | 0.354203444882613 | 0.43900936165835014 | 0.31357803046394933 | 0 | 0.196855119564682 | #DIV/0! | 0.32230331808386636 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.14018735814189878 | 0.013159286191664182 | 0.06167068109892871 | 0.04422013475832415 | 0.09233985602983447 | 0.25783311509904494 | 0.03309958892968451 | 0.22433210570632478 | #DIV/0! | 0.09336935888308351 Industries Manufacturières ( 200 à 290 ) | 0.0659095705847669 | 0.0008764416156662214 | 0.19656460178456822 | 0.16964166689578616 | 0.18724490815717387 | 0.1762668534362647 | 0.002032921097033426 | 0.38035945198269755 | #DIV/0! | 0.15376894886070977 Prêts aux Particuliers ( 1560 ) | 0.12299032599153345 | 0.019781375357995193 | 0.06130865034155033 | 0.08953483965175532 | 0.043839028531487315 | 0.02537575938132254 | 0.016074765608899696 | 0 | #DIV/0! | 0.06968553181524242 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.22708190509459536 | 0.21046069822264787 | 0.20142962319318347 | 0.1703907572173408 | 0.15955180999220928 | 0.11345467072808998 | 0.9487927243643823 | 0 | #DIV/0! | 0.2050884644964095 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.1825596614470625 | 0.09704788516902109 | 0.02484736429918446 | 0.008816382263424814 | 0.039514891714762475 | 0.010534371742945513 | 0 | 0 | #DIV/0! | 0.04985478385842878 Bâtiments et Travaux Publics ( 600 ) | 0.03604166899322456 | 0.07185915771474607 | 0.11917459759264719 | 0.10409584506424864 | 0.01841326929037172 | 0.08310686938968083 | 0 | 0 | #DIV/0! | 0.06286858394109308 Électricité, Gaz et Eau ( 300 à 500 ) | 0.06947713788308164 | 0 | 0.04224945975837914 | 0.05887568171550386 | 0.0027311930201941803 | 0.01985032975870242 | 0 | 0.19845332274629576 | #DIV/0! | 0.03704963076504966 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007364197635855528 | 0.00022124755100329488 | 0.017355681605616683 | 0 | 0 | 0 | #DIV/0! | 0.006011379296116889 Total | 1 | 1 | 0.9999999999999997 | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1 | #DIV/0! | 0.9999999999999999 [Secteur d' activitémars 20 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2020 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 1064.94922 | 9395.856 | 1108208.79 | 0 | 0 | 0 | 0 | 1118669.59522 200 | Industrie alimentaire | 1243884 | 1209.3326299999999 | 591255.1010599999 | 573744.954 | 1913350.97 | 391296.701 | 11885.69 | 182892.25616999998 | 0 | 4909519.004860001 210 | Industrie des boissons | 237 | 0 | 1382915.18714 | 709677.07 | 3467603.26 | 429391.277 | 0 | 0 | 0 | 5989823.794139999 220 | Industrie du bois | 54956 | 0 | 2110.51323 | 6797.559 | 0 | 567.7 | 0 | 0 | 0 | 64431.772229999995 230 | Industrie chimique | 368 | 0 | 86521.49491 | 572130.459 | 3275.34 | 55801.101 | 0 | 175720.01083 | 0 | 893816.4057400001 240 | Industrie du textile | 1089 | 0 | 379969.48713 | 1489898.06 | 96966.11 | 194716.222 | 0 | 0 | 0 | 2162638.8791300002 250 | Industrie pharmacie | 0 | 0 | 104023.18229000001 | 0 | 63006.65 | 41726.361 | 0 | 0 | 0 | 208756.19329000002 260 | Imprimerie, édition | 7883 | 0 | 8332.8557 | 58010.366 | 70014.31 | 37996.96 | 0 | 0 | 0 | 182237.49169999998 270 | Sidérurgie, aciérie | 13931 | 0 | 76828.00676999999 | 260651.093 | 0 | 203752.009 | 0 | 0 | 0 | 555162.1087699999 280 | Industrie de la fabrication | 35859 | 1774.11606 | 371723.85717000003 | 1840066.652 | 597992.65 | 311674.467 | 0 | 0 | 0 | 3159090.74223 290 | Autres industries | 0 | 0 | 65068.74748 | 106219.112 | 700002.75 | 138408.013 | 0 | 0 | 0 | 1009698.62248 300 | Production et distribution de l'électricité | 1468147 | 0 | 334973.96181 | 1831110.861 | 0 | 5689.781 | 0 | 0 | 0 | 3639921.60381 400 | Production et distribution de gaz | 0 | 0 | 0 | 530272.329 | 58704.91 | 190455.47 | 0 | 0 | 0 | 779432.709 500 | Traitement et distribution de l'eau | 0 | 0 | 280873.98708 | 74228.006 | 25812.81 | 0 | 0 | 0 | 0 | 380914.80308 600 | Entrep/ batiment et corps/ métiers corresp. | 898859 | 110046.73563000001 | 1835427.10686 | 3845894.653 | 651571.69 | 882720.665 | 0 | 126020.19311 | 0 | 8350540.0435999995 700 | Commerce de gros(1) | 3050434 | 320720.70177 | 3513709.63175 | 7446698.863 | 9302432.83 | 2708220.159 | 0 | 102283.6032 | 0 | 26444499.78872 800 | Commerce de détail(2) | 368952 | 441584.78372 | 1033116.95574 | 6548283.915 | 7634890.93 | 1080846.076 | 0 | 207310.4448 | 0 | 17314985.10526 900 | Rest/débits/boissons, casinos/activités/loterie | 136647 | 34.29018 | 2870.8339100000003 | 3675.73 | 18805.96 | 22522.149 | 0 | 0 | 0 | 184555.96309 1000 | Hotels,motels et pensions | 1684564 | 0 | 142952.45309 | 855133.443 | 573791.14 | 333158.647 | 180466.42 | 0 | 0 | 3770066.10309 1100 | Transport | 1978085 | 134864.90372 | 362503.81329 | 286496.299 | 1380392.25 | 69683.819 | 0 | 0 | 0 | 4212026.08501 1200 | Immobilier résidentiel / Avance Hypothécaire | 2104796 | 250441.02992 | 1864722.5311500002 | 420442.784 | 2961199.14 | 616041.379 | 3606271.25 | 0 | 0 | 11823914.114070002 1300 | Immobilier commercial | 3411022 | 57262.897229999995 | 1475138.99907 | 6200878.609 | 3286048.67 | 123629.735 | 1168931.11 | 0 | 0 | 15722912.020299999 1400 | Télécommunications | 1960364 | 0 | 25543.57482 | 64120.655 | 1295546.03 | 32723.352 | 0 | 0 | 0 | 3378297.61182 1500 | Services financiers | 242946 | 0 | 524662.68235 | 597337.366 | 571633.43 | 1968742.352 | 0 | 123167.98354 | 0 | 4028489.81389 1510 | Services professionnels | 901840 | 8865.33452 | 224556.64953 | 123251.717 | 328527.61 | 525159.309 | 0 | 0 | 0 | 2112200.62005 1520 | Services médicaux | 1555 | 0 | 17600.029739999998 | 3240.235 | 2447.3 | 34034.738 | 0 | 0 | 0 | 58877.30274 1530 | Services d'agence ou de représentation | 0 | 775.39098 | 17313.649960000002 | 34373.616 | 32420.68 | 3596.484 | 0 | 0 | 0 | 88479.82094 1540 | Services d'enseignement | 181329 | 0 | 27794.951269999998 | 51290.09 | 3440 | 8012.816 | 0 | 0 | 0 | 271866.85727 1550 | Autres services | 60421 | 9682.29822 | 144180.50582 | 148532.267 | 540518.88 | 624683.811 | 0 | 0 | 0 | 1528018.76204 1560 | Crédit à la consommation | 3065196 | 25428.70611 | 1190233.29801 | 3976359.825 | 2061366.74 | 215571.595 | 89890.67 | 0 | 0 | 10624046.83412 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 22873364 | 1362690.5206899997 | 16087988.99735 | 38668212.44399999 | 38749971.830000006 | 11250823.148 | 5057445.14 | 917394.4916500001 | 0 | 134967890.57169 (1) Commerce de gros Import-export | 523857 | 42953.67873 | 825024.15054 | 1672942.952 | 2569024.75 | 320665 | 0 | 5954467.53127 Produits pétroliers | 512730 | 0 | 574399.86403 | 1979765.106 | 478448.88 | 471926 | 0 | 4017269.85003 Produits pharmaceutiques | 0 | 0 | 22266.94109 | 60280.018 | 71755.66 | 22126 | 0 | 176428.61909 Produits alimentaires | 202094 | 10159.88879 | 827785.59405 | 2180680.339 | 2046832.46 | 985866 | 0 | 6253418.28184 Matériaux de construction | 0 | 157074.10927 | 1007386.5573 | 377900.272 | 3011101.13 | 873462 | 0 | 5426924.068569999 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1811753 | 110533.02498 | 256846.52474 | 1175130.176 | 1125269.95 | 34176 | 102283.6032 | 0 | 4615992.2789199995 S-Total | 3050434 | 320720.70177 | 3513709.6317499997 | 7446698.863000001 | 9302432.83 | 2708221 | 0 | 102283.6032 | 0 | 26444500.62972 (2) Commerce de détail Produits pétroliers | 106138 | 4910.85576 | 83565.46961 | 53012.978 | 172398.55 | 38736 | 195945.6 | 654707.45337 Produits pharmaceutiques | 1395 | 958.92298 | 0 | 630.36 | 37456 | 0 | 40440.28298 Véhicules automobiles | 192126 | 259941.18104 | 1885721.25 | 3544711.23 | 620888 | 0 | 6503387.661040001 Produits alimentaires | 233 | 506254.67156 | 815034.498 | 1381394.1 | 133577 | 11364.8448 | 0 | 2847858.11436 Librairie ,papeterie | 523 | 0 | 28301.578 | 158223.71 | 7 | 0 | 187055.288 Appareils électro- ménagers électroni.équip. inform. | 0 | 51156.20723 | 381709.484 | 630528.96 | 202312 | 0 | 1265706.65123 Matériaux de construction | 26402 | 31141.77092 | 200112.039 | 784380.32 | 9 | 0 | 1042045.12992 Autres | 42136 | 436673.92796 | 100098.73239 | 3184392.088 | 962623.7 | 47862 | 0 | 4773786.44835 S-Total | 368953 | 441584.78372 | 1033116.95573 | 6548283.915000001 | 7634890.930000001 | 1080847 | 0 | 207310.4448 | 0 | 17314987.029250003 [Secteur d'activitémars 20% ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2020 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 6.619529763324785e-05 | 0.00024298656198828042 | 0.028598957306648444 | 0 | 0 | 0 | 0.00828841282531421 200 | Industrie alimentaire | 0.05438133192826381 | 0.0008874594866834863 | 0.036751336736828386 | 0.014837638404695017 | 0.049376835121172774 | 0.03477938421506152 | 0.0023501372078155655 | 0.19936053446435575 | 0.03637545925971366 210 | Industrie des boissons | 0 | 0 | 0.08595948116124351 | 0.01835298363035962 | 0.08948660079580759 | 0.03816532100376412 | 0 | 0 | 0.04437962072881642 220 | Industrie du bois | 0.0024026199207077717 | 0 | 0.00013118564603367406 | 0.00017579191202190557 | 0 | 5.045853023660025e-05 | 0 | 0 | 0.0004773859319952563 230 | Industrie chimique | 1.6088582335331173e-05 | 0 | 0.005378018030982725 | 0.014795885892800703 | 8.452496467272915e-05 | 0.004959734969251514 | 0 | 0.19154247428928303 | 0.006622437395694775 240 | Industrie du textile | 4.7609962399933825e-05 | 0 | 0.023618209037350055 | 0.03853030605326527 | 0.0025023530449363937 | 0.017306842302877518 | 0 | 0 | 0.01602335837042134 250 | Industrie pharmacie | 0 | 0 | 0.006465890939329622 | 0 | 0.0016259792465505901 | 0.00370873850305055 | 0 | 0 | 0.0015467100538191815 260 | Imprimerie, édition | 0.00034463666997123815 | 0 | 0.0005179550844653474 | 0.0015002081123871882 | 0.001806822216727273 | 0.0033772604457616524 | 0 | 0 | 0.0013502284945559116 270 | Sidérurgie, aciérie | 0.000609049023134507 | 0 | 0.00477548852020318 | 0.006740707069856918 | 0 | 0.01810996460612039 | 0 | 0 | 0.0041132902531000005 280 | Industrie de la fabrication | 0.001567718679246306 | 0.0013019214803825557 | 0.023105675745503686 | 0.047586028308518734 | 0.015432079605720838 | 0.02770237011995027 | 0 | 0 | 0.02340623928290564 290 | Autres industries | 0 | 0 | 0.004044554449329749 | 0.0027469361857321035 | 0.01806460022915583 | 0.012302034364890366 | 0 | 0 | 0.007481028400185933 300 | Production et distribution de l'électricité | 0.06418588013551482 | 0 | 0.020821369399567382 | 0.04735442228295006 | 0 | 0.0005057213081348134 | 0 | 0 | 0.026968796714479337 400 | Production et distribution de gaz | 0 | 0 | 0 | 0.013713391322858539 | 0.0015149665206866292 | 0.016928136501181808 | 0 | 0 | 0.005774949180123653 500 | Traitement et distribution de l'eau | 0 | 0 | 0.01745861382216667 | 0.0019196130699731296 | 0.0006661375165185506 | 0 | 0 | 0 | 0.0028222624023131783 600 | Entrep/ batiment et corps/ métiers corresp. | 0.0392971930145474 | 0.08075695395186117 | 0.11408679525839618 | 0.0994588166848854 | 0.016814765514114694 | 0.0784583184170766 | 0 | 0.13736750575354295 | 0.06187056794196912 700 | Commerce de gros(1) | 0.13336184393340655 | 0.2353584301794385 | 0.21840577043711154 | 0.19257934081603706 | 0.24006295722770332 | 0.24071306813505697 | 0 | 0.11149358768879848 | 0.19593178552845242 800 | Commerce de détail(2) | 0.016130202798329097 | 0.32405361086419177 | 0.0642166622509609 | 0.16934540029444972 | 0.19702958658899233 | 0.09606817757082389 | 0 | 0.2259774248558406 | 0.12828966231833427 900 | Rest/débits/boissons, casinos/activités/loterie | 0.005974066604282606 | 2.516358592018174e-05 | 0.00017844579023971744 | 9.50581826176542e-05 | 0.00048531544958286995 | 0.002001822329240296 | 0 | 0 | 0.0013674064424380305 1000 | Hotels,motels et pensions | 0.07364740927482288 | 0 | 0.008885663280447731 | 0.022114636000782808 | 0.014807524054914905 | 0.029611935288416998 | 0.03568331736763041 | 0 | 0.027933059390058995 1100 | Transport | 0.08647984616517274 | 0.09896957649027384 | 0.02253257466484539 | 0.007409090849878544 | 0.03562305170326106 | 0.006193664062027971 | 0 | 0 | 0.031207615879368922 1200 | Immobilier résidentiel | 0.09201952104640139 | 0.18378423135517882 | 0.115907745303478 | 0.010873085602518939 | 0.07641809787607269 | 0.05475522731947932 | 0.7130618622983225 | 0 | 0.08760538572535201 1300 | Immobilier commercial | 0.14912638123539676 | 0.04202193848167732 | 0.09169194479887968 | 0.16036113947548586 | 0.0848013176478224 | 0.010988505762974063 | 0.23113075429227498 | 0 | 0.11649372271954243 1400 | Télécommunications | 0.08570510223157381 | 0 | 0.0015877419374296885 | 0.0016582265108029159 | 0.033433470240538235 | 0.002908529586638917 | 0 | 0 | 0.025030380170501163 1500 | Services financiers | 0.010621349793585238 | 0 | 0.03261207366790355 | 0.01544776259996696 | 0.014751841175725571 | 0.1749865166398934 | 0 | 0.13425847294817905 | 0.029847764507738333 1510 | Services professionnels | 0.03942751927525833 | 0.00650575782644399 | 0.01395803102345413 | 0.003187416981803733 | 0.008478138034300604 | 0.04667741214058234 | 0 | 0 | 0.015649652751504452 1520 | Services médicaux | 6.798300416152168e-05 | 0 | 0.001093985689752713 | 8.379583112854176e-05 | 6.315617494475995e-05 | 0.003025088702603078 | 0 | 0 | 0.0004362319251683535 1530 | Services d'agence ou de représentation | 0 | 0.0005690147309510747 | 0.001076184845902859 | 0.0008889372905401433 | 0.0008366633179046622 | 0.00031966407725814513 | 0 | 0 | 0.0006555620048977706 1540 | Services d'enseignement | 0.007927517788813223 | 0 | 0.0017276833838323956 | 0.0013264148187423776 | 8.877425808440903e-05 | 0.0007121982004867258 | 0 | 0 | 0.002014307670649963 1550 | Autres services | 0.002641544112182187 | 0.007105280379507857 | 0.008961996794238813 | 0.0038411981731792523 | 0.013948884462969683 | 0.05552338729198199 | 0 | 0 | 0.011321350252772694 1560 | Crédit à la consommation | 0.13400722342371676 | 0.018660661187489692 | 0.0739827270024895 | 0.10283278107977287 | 0.05319659970447002 | 0.019160517605178163 | 0.017773928833956665 | 0 | 0.07871536547781263 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 0.9999896386032242 | 1.0000000000000004 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1 (1) Commerce de gros Import-export | 0.02290249042510756 | 0.03152122809825547 | 0.051281993708219044 | 0.0432640364336155 | 0.06629746109934138 | 0.02850147013972066 | 0 | 0 | 0.044117660178642305 Produits pétroliers | 0.02241602940433248 | 0 | 0.03570364600103933 | 0.051198774933471046 | 0.012347076846894315 | 0.041945908649705495 | 0 | 0 | 0.029764633891912043 Produits pharmaceutiques | 0 | 0 | 0.0013840723718587693 | 0.0015589036624669066 | 0.0018517603139119492 | 0.0019666116611150555 | 0 | 0 | 0.0013071895718507031 Produits alimentaires | 0.008835342278468527 | 0.007455756560818763 | 0.051453639991073594 | 0.0563946508300093 | 0.052821521238251685 | 0.08762612184293841 | 0 | 0 | 0.04633263700982578 Matériaux de construction | 0 | 0.1152676318541244 | 0.06261730769867731 | 0.00977289220564002 | 0.07770589210258012 | 0.07763538618552286 | 0 | 0 | 0.0402090011600753 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.07920798182549799 | 0.08111381366623986 | 0.015965110666243464 | 0.03039008275083429 | 0.029039245626723848 | 0.0030376444061406553 | 0 | 0.11149358768879848 | 0.03420066994725796 S-Total | 0.13336184393340655 | 0.23535843017943853 | 0.2184057704371115 | 0.19257934081603706 | 0.2400629572277033 | 0.24071314288514314 | - | 0.11149358768879848 | 0.1959317917595641 (2) Commerce de détail Produits pétroliers | 0.004640244434530924 | 0.003603793880883081 | 0.005194276899602855 | 0.0013709704858163372 | 0.004448998072987759 | 0.0034429480839262764 | 0 | 0.21358924844597413 | 0.004850838600179821 Produits pharmaceutiques | 6.0987968363551595e-05 | 0 | 5.960490028666436e-05 | 0 | 1.6267366664560488e-05 | 0.003329178630512769 | 0 | 0 | 0.0002996289177278029 Véhicules automobiles | 0.008399551548254992 | 0 | 0.016157468847275896 | 0.04876670347073674 | 0.09147648533916365 | 0.05518600655547341 | 0 | 0 | 0.04818470255031244 Produits alimentaires | 1.0186520880793923e-05 | 0 | 0.03146786535243092 | 0.021077635775906316 | 0.035648905915604635 | 0.011872642405168842 | 0 | 0.012388176409866499 | 0.021100263939053877 Librairie ,papeterie | 2.2865023264614683e-05 | 0 | 0 | 0.000731908102578749 | 0.004083195484480433 | 6.221766983551202e-07 | 0 | 0 | 0.001385924364733574 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.0031797763684713117 | 0.009871402370947418 | 0.01627172692579477 | 0.017981973171088725 | 0 | 0 | 0.009377835319710379 Matériaux de construction | 0.001154268344612537 | 0 | 0.0019357155779463576 | 0.005175104468296948 | 0.02024208748953818 | 7.99941469313726e-07 | 0 | 0 | 0.007720689161741798 Autres | 0.0018421426773954194 | 0.32044981698330866 | 0.006221954304325306 | 0.0823516756201672 | 0.02484191999475835 | 0.004254088733810395 | 0 | 0 | 0.03536979372004292 S-Total | 0.016130246517302833 | 0.3240536108641917 | 0.06421666225033931 | 0.16934540029444972 | 0.19702958658899233 | 0.09606825969814808 | - | 0.22597742485584063 | 0.12828967657350263 [Secteur d'activité mars 20 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2020 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3419386 | 762305.48549 | 4546826.58749 | 13994982.778 | 16937323.759999998 | 3789066.235 | 0 | 309594.048 | 0 | 43759484.89398 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3209302 | 19357.3139 | 1101931.7556699999 | 1816834.464 | 2071585 | 3519910.306 | 180466.42 | 123167.98354 | 0 | 12042555.24311 Industries Manufacturières ( 200 à 290 ) | 1358207 | 2983.44869 | 3068748.4328799997 | 5617195.324999999 | 6912212.04 | 1805330.811 | 11885.69 | 358612.267 | 0 | 19135175.01457 Prêts aux Particuliers ( 1560 ) | 3065196 | 25428.70611 | 1190233.29801 | 3976359.825 | 2061366.74 | 215571.595 | 89890.67 | 0 | 0 | 10624046.83412 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5515818 | 307703.92715 | 3339861.53022 | 6621321.393 | 6247247.8100000005 | 739671.114 | 4775202.36 | 0 | 0 | 27546826.13437 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 3938449 | 134864.90372 | 388047.38811 | 350616.954 | 2675938.2800000003 | 102407.171 | 0 | 0 | 0 | 7590323.69683 Bâtiments et Travaux Publics ( 600 ) | 898859 | 110046.73563000001 | 1835427.10686 | 3845894.653 | 651571.69 | 882720.665 | 0 | 126020.19311 | 0 | 8350540.0435999995 Électricité, Gaz et Eau ( 300 à 500 ) | 1468147 | 0 | 615847.94889 | 2435611.196 | 84517.72 | 196145.251 | 0 | 0 | 0 | 4800269.11589 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1064.94922 | 9395.856 | 1108208.79 | 0 | 0 | 0 | 0 | 1118669.59522 Total | 22873364 | 1362690.52069 | 16087988.99735 | 38668212.444 | 38749971.82999999 | 11250823.148 | 5057445.140000001 | 917394.49165 | 0 | 134967890.57169 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.14949204673173566 | 0.5594120410436302 | 0.2826224326880724 | 0.3619247411104867 | 0.43709254381669577 | 0.33678124570588086 | 0 | 0.3374710125446392 | #DIV/0! | 0.32422144784678664 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.140307389853106 | 0.0142052165228231 | 0.0684940644757719 | 0.04698521987876146 | 0.053460296928427485 | 0.312858024670463 | 0.035683317367630404 | 0.13425847294817905 | #DIV/0! | 0.0892253349452286 Industries Manufacturières ( 200 à 290 ) | 0.05937941616283464 | 0.0021893809670660417 | 0.1907477953512699 | 0.1452664855696374 | 0.1783797952247441 | 0.1604621090609645 | 0.002350137207815565 | 0.3909030087536388 | #DIV/0! | 0.14177575817120813 Prêts aux Particuliers ( 1560 ) | 0.13400722342371676 | 0.018660661187489692 | 0.0739827270024895 | 0.10283278107977285 | 0.05319659970447004 | 0.019160517605178163 | 0.017773928833956662 | 0 | #DIV/0! | 0.07871536547781263 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24114590228179816 | 0.2258061698368561 | 0.20759969010235768 | 0.17123422507800476 | 0.16121941552389515 | 0.06574373308245339 | 0.9441926165905973 | 0 | #DIV/0! | 0.20409910844489443 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.17218494839674653 | 0.09896957649027381 | 0.02412031660227508 | 0.009067317360681459 | 0.06905652194379933 | 0.009102193648666887 | 0 | 0 | #DIV/0! | 0.056237996049870086 Bâtiments et Travaux Publics ( 600 ) | 0.0392971930145474 | 0.08075695395186115 | 0.11408679525839618 | 0.09945881668488539 | 0.0168147655141147 | 0.0784583184170766 | 0 | 0.13736750575354295 | #DIV/0! | 0.06187056794196912 Électricité, Gaz et Eau ( 300 à 500 ) | 0.06418588013551482 | 0 | 0.03827998322173405 | 0.06298742667578172 | 0.0021811040372051805 | 0.017433857809316618 | 0 | 0 | #DIV/0! | 0.03556600829691617 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 6.619529763324785e-05 | 0.00024298656198828037 | 0.028598957306648454 | 0 | 0 | 0 | #DIV/0! | 0.00828841282531421 Total | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 0.9999999999999999 | 1 | #DIV/0! | 1 [Secteur d' activitédec 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2019 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 1354.88921 | 10826.24 | 834687.99 | 0 | 0 | 0 | 0 | 846869.11921 200 | Industrie alimentaire | 1234243.83326 | 1209.3326200000001 | 532436.20767 | 481002.287 | 2152123.9 | 501018.534 | 12084.56 | 176783.88416999998 | 0 | 5090902.538720001 210 | Industrie des boissons | 21.3744 | 0 | 1152266.4556 | 740915.121 | 3170160.76 | 419860.716 | 0 | 0 | 0 | 5483224.427 220 | Industrie du bois | 51309.55207 | 0 | 418.17833 | 6405.661 | 0 | 717.218 | 0 | 0 | 0 | 58850.6094 230 | Industrie chimique | 349.59389 | 0 | 77904.08155 | 519645.421 | 1585.54 | 37346.352 | 0 | 169851.18283 | 0 | 806682.17127 240 | Industrie du textile | 1320.4393799999998 | 0 | 386671.10436 | 1453026.759 | 61335.95 | 121773.474 | 0 | 0 | 0 | 2024127.72674 250 | Industrie pharmacie | 0 | 0 | 118136.23861 | 0 | 32228.46 | 43132.398 | 0 | 0 | 0 | 193497.09661 260 | Imprimerie, édition | 4900.8755 | 23.28764 | 9537.19261 | 100848.575 | 87750.21 | 51853.561 | 0 | 0 | 0 | 254913.70175 270 | Sidérurgie, aciérie | 24716.560940000003 | 0 | 83378.22409999999 | 315176.006 | 0 | 293675.148 | 0 | 0 | 0 | 716945.93904 280 | Industrie de la fabrication | 37169.08606 | 2323.28297 | 371064.52044 | 1873804.318 | 558592.08 | 319377.121 | 0 | 0 | 0 | 3162330.4084699997 290 | Autres industries | 0 | 840.0571199999999 | 39555.813740000005 | 111340.902 | 690842.56 | 166509.055 | 0 | 0 | 0 | 1009088.3878600001 300 | Production et distribution de l'électricité | 1356574.7821300002 | 0 | 334960.41272 | 2008166.366 | 0 | 5566.606 | 0 | 126020.19311 | 0 | 3831288.35996 400 | Production et distribution de gaz | 0 | 0 | 0 | 513504.298 | 60993.18 | 182462.074 | 0 | 0 | 0 | 756959.552 500 | Traitement et distribution de l'eau | 0 | 0 | 315123.88811 | 76111.31 | 28547.77 | 8988.873 | 0 | 0 | 0 | 428771.84111000004 600 | Entrep/ batiment et corps/ métiers corresp. | 917600.96954 | 105319.83307000001 | 1721068.22112 | 3105727.908 | 1046101.14 | 1210973.647 | 0 | 0 | 0 | 8106791.71873 700 | Commerce de gros(1) | 2779023.9667399996 | 311191.60852999997 | 3043943.03972 | 5973976.675 | 8800895.47 | 2600553.176 | 0 | 96031.5048 | 0 | 23605615.440789998 800 | Commerce de détail(2) | 334098.04858 | 429984.45061 | 1282746.3488599998 | 6459160.714 | 7547692.58 | 1162834.138 | 0 | 194638.5672 | 0 | 17411154.84725 900 | Rest/débits/boissons, casinos/activités/loterie | 129173.32322 | 34.29018 | 8330.80946 | 3974.507 | 20229.67 | 19428.878 | 0 | 0 | 0 | 181171.47786 1000 | Hotels,motels et pensions | 1599585.59072 | 0 | 147037.25407 | 828314.93 | 636982.95 | 329963.616 | 180985.89 | 0 | 0 | 3722870.2307900004 1100 | Transport | 2255489.34463 | 133223.39257999999 | 347356.05415 | 269344.989 | 1372416.18 | 65743.307 | 0 | 0 | 0 | 4443573.26736 1200 | Immobilier résidentiel / Avance Hypothécaire | 2070437.02245 | 251390.32571 | 1900725.0343499999 | 377596.598 | 2807317.74 | 548681.592 | 3436947.14 | 0 | 0 | 11393095.452510001 1300 | Immobilier commercial | 3418020.74521 | 58108.47088 | 1405070.4039200002 | 5913945.004 | 3330367.88 | 128430.182 | 1081134.07 | 0 | 0 | 15335076.75601 1400 | Télécommunications | 1840100.71515 | 0 | 28049.91773 | 62800.061 | 1421109.92 | 31642.205 | 0 | 0 | 0 | 3383702.81888 1500 | Services financiers | 152503.65112 | 0 | 499581.47417 | 1054270.823 | 779128.37 | 2036183.535 | 0 | 115639.3247 | 0 | 4637307.17799 1510 | Services professionnels | 846014.84866 | 24221.35504 | 198471.65184 | 115015.685 | 333482.75 | 331492.018 | 0 | 0 | 0 | 1848698.30854 1520 | Services médicaux | 1735.75035 | 0 | 15205.089119999999 | 3482.538 | 3246.19 | 36965.801 | 0 | 0 | 0 | 60635.36847 1530 | Services d'agence ou de représentation | 1547.75827 | 941.2188100000001 | 15853.94866 | 31404.003 | 35846.56 | 3705.383 | 0 | 0 | 0 | 89298.87174 1540 | Services d'enseignement | 181188.41395 | 0 | 29261.78364 | 60510.543 | 5922.73 | 8142.778 | 0 | 0 | 0 | 285026.24859 1550 | Autres services | 136784.22222999998 | 14784.18872 | 179659.43476 | 207296.649 | 543764.82 | 644101.612 | 0 | 0 | 0 | 1726390.92671 1560 | Crédit à la consommation | 3037951.41421 | 25157.30616 | 1277568.84131 | 4096490.852 | 2113848.89 | 209369.264 | 120496.38 | 0 | 0 | 10880882.947680002 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 22411861.882659994 | 1358752.40064 | 15522736.513929999 | 36774085.74299999 | 38477202.23999999 | 11520492.262 | 4831648.04 | 878964.6568099998 | 0 | 131775743.73904 (1) Commerce de gros Import-export | 504335 | 45175.29072 | 750056.60526 | 1832870.92 | 2614814.39 | 299758 | 0 | 0 | 0 | 6047010.20598 Produits pétroliers | 0 | 0 | 293103.2139 | 469576.47 | 340801.49 | 317675 | 0 | 0 | 0 | 1421156.1738999998 Produits pharmaceutiques | 0 | 0 | 21023.26026 | 75389.758 | 113628.76 | 20801 | 0 | 0 | 0 | 230842.77826 Produits alimentaires | 434608 | 10873.28613 | 738206.85184 | 2109016.426 | 3177523.28 | 1033613 | 0 | 0 | 0 | 7503840.84397 Matériaux de construction | 0 | 148083.45181 | 936942.35047 | 389853.841 | 1304946.19 | 893898 | 0 | 0 | 0 | 3673723.83328 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1840081 | 107059.57987 | 304610.75799 | 1097269.259 | 1249181.39 | 34807 | 0 | 96031.5048 | 0 | 4729040.49166 S-Total | 2779024 | 311191.60853 | 3043943.03972 | 5973976.673999999 | 8800895.5 | 2600552 | 0 | 96031.5048 | 0 | 23605614.32705 (2) Commerce de détail Produits pétroliers | 108168 | 4910.85576 | 349009.77841 | 64625.448 | 186737.81 | 41980 | 0 | 183968.4 | 939400.2921700001 Produits pharmaceutiques | 1684 | 0 | 1027.42775 | 1089.892 | 762.28 | 59965 | 0 | 0 | 0 | 64528.59975 Véhicules automobiles | 152120 | 0 | 266954.61787 | 1926279.88 | 4097126.14 | 621380 | 0 | 0 | 0 | 7063860.637870001 Produits alimentaires | 0 | 0 | 489033.84125 | 763428.564 | 920174.09 | 151549 | 0 | 10670.1672 | 0 | 2334855.66245 Librairie ,papeterie | 761 | 0 | 0 | 26137.783 | 114130.45 | 0 | 0 | 0 | 0 | 141029.233 Appareils électro- ménagers électroni.équip. inform. | 0 | 33.06631 | 47830.24295 | 306212.212 | 400532.95 | 232677 | 0 | 0 | 0 | 987285.47126 Matériaux de construction | 24788 | 0 | 31500 | 182737.385 | 749338.05 | 31 | 0 | 0 | 0 | 988394.435 Autres | 46578 | 425040.52854 | 97390.44063 | 3188649.549 | 1078890.8 | 55253 | 0 | 0 | 0 | 4891802.31817 S-Total | 334099 | 429984.45061000006 | 1282746.3488600003 | 6459160.7129999995 | 7547692.57 | 1162835 | 0 | 194638.5672 | 0 | 17411156.649670005 [Secteur d'activitédec 19 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2019 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 8.728417239989429e-05 | 0.0002943986174302319 | 0.02169305306538837 | 0 | 0 | 0 | #DIV/0! | 0.006426593356111758 200 | Industrie alimentaire | 0.05507100836699925 | 0.0008900316344835012 | 0.034300408770850124 | 0.013079925096208804 | 0.05593244245192814 | 0.043489333841453516 | 0.002501125889128298 | 0.20112740916295366 | #DIV/0! | 0.03863307763833751 210 | Industrie des boissons | 0 | 0 | 0.07423088413347503 | 0.02014775095098141 | 0.08239062549886686 | 0.036444685387698066 | 0 | 0 | #DIV/0! | 0.041610271142605855 220 | Industrie du bois | 0.002289392659058732 | 0 | 2.693972996479903e-05 | 0.00017418953783832213 | 0 | 6.225584668510409e-05 | 0 | 0 | #DIV/0! | 0.0004465966780391987 230 | Industrie chimique | 1.5598609871430628e-05 | 0 | 0.005018707975883595 | 0.01413075024166754 | 4.120725800462982e-05 | 0.003241732310622336 | 0 | 0.19324005978401432 | #DIV/0! | 0.006121628672933164 240 | Industrie du textile | 5.891698721477579e-05 | 0 | 0.024909983108519815 | 0.039512246997917166 | 0.0015940854955466745 | 0.010570162388083552 | 0 | 0 | #DIV/0! | 0.01536039690846632 250 | Industrie pharmacie | 0 | 0 | 0.007610529142460502 | 0 | 0.0008375988409702006 | 0.00374397178688891 | 0 | 0 | #DIV/0! | 0.0014683817455296547 260 | Imprimerie, édition | 0.00021867328674695234 | 1.713898719813194e-05 | 0.0006144015007560934 | 0.0027423815701304467 | 0.002280576676356603 | 0.004500984838211942 | 0 | 0 | #DIV/0! | 0.0019344508671854989 270 | Sidérurgie, aciérie | 0.001102833895256295 | 0 | 0.005371361165937265 | 0.008570600726898948 | 0 | 0.025491545093839323 | 0 | 0 | #DIV/0! | 0.005440651812671932 280 | Industrie de la fabrication | 0.0016584559665146624 | 0.0017098648502153055 | 0.023904581521886247 | 0.050954477321212034 | 0.014517481715947135 | 0.027722523806856404 | 0 | 0 | #DIV/0! | 0.02399781870882452 290 | Autres industries | 0 | 0.0006182562176922859 | 0.0025482500269525857 | 0.003027700070590985 | 0.01795459440348333 | 0.014453293419520374 | 0 | 0 | #DIV/0! | 0.007657618611952836 300 | Production et distribution de l'électricité | 0.0605293210011962 | 0 | 0.021578696025627234 | 0.05460819284629687 | 0 | 0.0004831916790883393 | 0 | 0.14337344753697073 | #DIV/0! | 0.02907430647894677 400 | Production et distribution de gaz | 0 | 0 | 0 | 0.013963754302110594 | 0.0015851771035627154 | 0.015838044924681362 | 0 | 0 | #DIV/0! | 0.0057443011173515576 500 | Traitement et distribution de l'eau | 0 | 0 | 0.020300794761748998 | 0.0020696995849716782 | 0.0007419398588788874 | 0.0007802507736279229 | 0 | 0 | #DIV/0! | 0.00325379943944093 600 | Entrep/ batiment et corps/ métiers corresp. | 0.04094264788638313 | 0.07751215969914182 | 0.11087402144431975 | 0.08445425209765223 | 0.027187557283270925 | 0.10511474852462342 | 0 | 0 | #DIV/0! | 0.061519605116281156 700 | Commerce de gros(1) | 0.12399790705876712 | 0.22902745811777217 | 0.19609577454261276 | 0.16245071914907241 | 0.22873012998982548 | 0.22573281738818116 | 0 | 0.10925525168272894 | #DIV/0! | 0.17913475402223494 800 | Commerce de détail(2) | 0.014907197372945212 | 0.31645533829965533 | 0.08263661163795906 | 0.1756443588874133 | 0.19616011925507407 | 0.1009361502577085 | 0 | 0.22144072084353872 | #DIV/0! | 0.13212716053213786 900 | Rest/débits/boissons, casinos/activités/loterie | 0.005763614102938101 | 2.5236518429589253e-05 | 0.0005366843309183268 | 0.00010807901596184629 | 0.0005257573010069249 | 0.0016864624842538695 | 0 | 0 | #DIV/0! | 0.0013748469385897002 1000 | Hotels,motels et pensions | 0.07137227594453434 | 0 | 0.009472379688855104 | 0.022524419391110793 | 0.016554814615336238 | 0.0286414511199643 | 0.03745841760444124 | 0 | #DIV/0! | 0.028251559241149322 1100 | Transport | 0.10063819581072232 | 0.09804832176726906 | 0.022377243460796042 | 0.0073243150321220495 | 0.03566829447316906 | 0.005706640437305994 | 0 | 0 | #DIV/0! | 0.03372072235205714 1200 | Immobilier résidentiel | 0.09238130385105989 | 0.1850155522018508 | 0.12244780632875538 | 0.010268007766090449 | 0.07296054745585372 | 0.04762657528184015 | 0.7113405429258047 | 0 | #DIV/0! | 0.08645821400235947 1300 | Immobilier commercial | 0.15250945071433422 | 0.04276604836365311 | 0.09051692674542916 | 0.1608182741871626 | 0.08655431492204047 | 0.011147976933557182 | 0.22376093230499464 | 0 | #DIV/0! | 0.11637253048921184 1400 | Télécommunications | 0.08210387538456507 | 0 | 0.0018070214426965372 | 0.001707725963301592 | 0.03693381631896946 | 0.00274660181877565 | 0 | 0 | #DIV/0! | 0.025677736454903736 1500 | Services financiers | 0.006804595348590459 | 0 | 0.032183853260775185 | 0.02866885203803285 | 0.020249091010833335 | 0.1767444904864257 | 0 | 0.13156311098979376 | #DIV/0! | 0.035190901196303755 1510 | Services professionnels | 0.0377485303581386 | 0.017826172765980947 | 0.012785867470074808 | 0.003127628673185802 | 0.008667021783962225 | 0.02877411923563514 | 0 | 0 | #DIV/0! | 0.0140291244510146 1520 | Services médicaux | 7.74478425348028e-05 | 0 | 0.000979536636878108 | 9.470087235718448e-05 | 8.436658101470117e-05 | 0.003208699781165653 | 0 | 0 | #DIV/0! | 0.000460140589986563 1530 | Services d'agence ou de représentation | 6.905978084745815e-05 | 0.0006927081119096216 | 0.0010213372265755315 | 0.0008539710060902821 | 0.0009316311455393388 | 0.0003216340860904091 | 0 | 0 | #DIV/0! | 0.0006776578845712426 1540 | Services d'enseignement | 0.008084487353109428 | 0 | 0.0018850918208745393 | 0.0016454669579791872 | 0.00015392829143494403 | 0.0007068081653818484 | 0 | 0 | #DIV/0! | 0.002162964446282672 1550 | Autres services | 0.006103206549556225 | 0.010880708444773565 | 0.0115739537676733 | 0.005637030664710931 | 0.014132129893652064 | 0.055909209203199584 | 0 | 0 | #DIV/0! | 0.01310097653577908 1560 | Crédit à la consommation | 0.13555105015886504 | 0.018515004019974794 | 0.08230306815834428 | 0.11139613043350163 | 0.05493769731008386 | 0.01817363869863428 | 0.024938981275631163 | 0 | #DIV/0! | 0.0825712125687394 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999990462907496 | 1 | 1 | 1.0000000000000002 | 1.0000000000000004 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.022503038910399623 | 0.03324762532064085 | 0.04831986966904349 | 0.04984137288440651 | 0.06795749788901494 | 0.026019547878934204 | 0 | 0 | #DIV/0! | 0.04588864410399459 Produits pétroliers | 0 | 0 | 0.01888218701882694 | 0.012769222144139494 | 0.008857231559463823 | 0.027574776561227466 | 0 | 0 | #DIV/0! | 0.01078465682359846 Produits pharmaceutiques | 0 | 0 | 0.0013543527097257542 | 0.002050078376573932 | 0.0029531450673374125 | 0.00180556520736631 | 0 | 0 | #DIV/0! | 0.001751785053227594 Produits alimentaires | 0.019391873922632693 | 0.008002404356289242 | 0.04755648922968822 | 0.057350614798124644 | 0.08258197309098327 | 0.08971951688291495 | 0 | 0 | #DIV/0! | 0.05694402195012545 Matériaux de construction | 0 | 0.10898486857520892 | 0.06035935414024417 | 0.010601319737070807 | 0.03391478886277778 | 0.07759199691045285 | 0 | 0 | #DIV/0! | 0.027878604430836684 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.0821029957097704 | 0.07879255986563319 | 0.019623521775084207 | 0.029838111181563966 | 0.03246549429993069 | 0.0030213118683139824 | 0 | 0.10925525168272894 | #DIV/0! | 0.035887033208669115 S-Total | 0.12399790854280271 | 0.2290274581177722 | 0.1960957745426128 | 0.16245071912187936 | 0.22873013076950788 | 0.22573271530920974 | - | 0.10925525168272894 | #DIV/0! | 0.1791347455704519 (2) Commerce de détail Produits pétroliers | 0.004826372773771613 | 0.0036142388839106284 | 0.022483779074443544 | 0.0017573638254841334 | 0.004853206551641423 | 0.003643941512679087 | 0 | 0.2093012484343466 | #DIV/0! | 0.007128780043391951 Produits pharmaceutiques | 7.513878181191661e-05 | 0 | 6.618857113744045e-05 | 2.9637500918903546e-05 | 1.9811211720782332e-05 | 0.005205072720528859 | 0 | 0 | #DIV/0! | 0.0004896849596067405 Véhicules automobiles | 0.006787477131370995 | 0 | 0.01719765182063335 | 0.05238144854129162 | 0.1064819140031113 | 0.05393693132797835 | 0 | 0 | #DIV/0! | 0.05360516615150968 Produits alimentaires | 0 | 0 | 0.031504357547468796 | 0.020759960406230356 | 0.02391478684599913 | 0.013154733022987208 | 0 | 0.012139472409192104 | #DIV/0! | 0.017718402463155848 Librairie ,papeterie | 3.395523334849676e-05 | 0 | 0 | 0.000710766358208521 | 0.002966183697247943 | 0 | 0 | 0 | #DIV/0! | 0.0010702214914399195 Appareils électro- ménagers électroni.équip. inform. | 0 | 2.50928653952296e-07 | 0.0030813022502235647 | 0.008326847719342364 | 0.010409617297580318 | 0.020196793219286135 | 0 | 0 | #DIV/0! | 0.00749216390851988 Matériaux de construction | 0.0011060214510414425 | 0 | 0.0020292813687671704 | 0.00496918907181219 | 0.01947485800360521 | 2.690857238995991e-06 | 0 | 0 | #DIV/0! | 0.007500579446224574 Autres | 0.002078274453227703 | 0.31281676362801447 | 0.006274051005285213 | 0.08670914543693217 | 0.028039741384273797 | 0.004796062420201468 | 0 | 0 | #DIV/0! | 0.03712217574622385 S-Total | 0.014907239824572168 | 0.31643125344057904 | 0.08263661163795907 | 0.17564435886022028 | 0.19616011899517988 | 0.10093622508090011 | - | 0.22144072084353872 | #DIV/0! | 0.13212717421007245 [Secteur d'activité dec 19 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2019 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3113122.01532 | 741176.05914 | 4326689.38858 | 12433137.388999999 | 16348588.05 | 3763387.3140000002 | 0 | 290670.072 | 0 | 41016770.288040005 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3048533.55852 | 39981.052749999995 | 1093401.44572 | 2304269.6780000003 | 2358604.04 | 3409983.6210000003 | 180985.89 | 115639.3247 | 0 | 12551398.61069 Industries Manufacturières ( 200 à 290 ) | 1354031.3155 | 4395.96035 | 2771368.0170099996 | 5602165.05 | 6754619.460000001 | 1955263.577 | 12084.56 | 346635.067 | 0 | 18800563.00686 Prêts aux Particuliers ( 1560 ) | 3037951.41421 | 25157.30616 | 1277568.84131 | 4096490.852 | 2113848.89 | 209369.264 | 120496.38 | 0 | 0 | 10880882.947680002 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5488457.767659999 | 309498.79659 | 3305795.43827 | 6291541.602 | 6137685.62 | 677111.774 | 4518081.21 | 0 | 0 | 26728172.20852 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 4095590.0597800002 | 133223.39257999999 | 375405.97187999997 | 332145.05 | 2793526.0999999996 | 97385.512 | 0 | 0 | 0 | 7827276.08624 Bâtiments et Travaux Publics ( 600 ) | 917600.96954 | 105319.83307000001 | 1721068.22112 | 3105727.908 | 1046101.14 | 1210973.647 | 0 | 0 | 0 | 8106791.71873 Électricité, Gaz et Eau ( 300 à 500 ) | 1356574.7821300002 | 0 | 650084.3008300001 | 2597781.974 | 89540.95 | 197017.55299999999 | 0 | 126020.19311 | 0 | 5017019.753070001 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1354.88921 | 10826.24 | 834687.99 | 0 | 0 | 0 | 0 | 846869.11921 Total | 22411861.88266 | 1358752.40064 | 15522736.51393 | 36774085.743 | 38477202.24000001 | 11520492.262 | 4831648.04 | 878964.65681 | 0 | 131775743.73903999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1389051044317123 | 0.5454827964174276 | 0.27873238618057183 | 0.33809507803648564 | 0.42489024924489927 | 0.32666896764588965 | 0 | 0.3306959725262676 | #DIV/0! | 0.3112619145543729 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13602321728024935 | 0.02942482584109372 | 0.0704387042026249 | 0.06266014861942887 | 0.061298740622779735 | 0.29599287456211654 | 0.03745841760444124 | 0.13156311098979376 | #DIV/0! | 0.09524817128367694 Industries Manufacturières ( 200 à 290 ) | 0.060415833480912645 | 0.0032352916895892246 | 0.17853604707668602 | 0.1523400225134456 | 0.1755486123411035 | 0.16972048871985954 | 0.002501125889128298 | 0.39436746894696795 | #DIV/0! | 0.1426708927865465 Prêts aux Particuliers ( 1560 ) | 0.13555105015886498 | 0.018515004019974794 | 0.08230306815834426 | 0.1113961304335016 | 0.054937697310083834 | 0.01817363869863428 | 0.024938981275631163 | 0 | #DIV/0! | 0.08257121256873941 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.244890754565394 | 0.2277816005655039 | 0.2129647330741845 | 0.171086281953253 | 0.1595148623778941 | 0.05877455221539734 | 0.9351014752307993 | 0 | #DIV/0! | 0.20283074449157132 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.18274207119528732 | 0.09804832176726906 | 0.024184264903492573 | 0.00903204099542364 | 0.07260211079213848 | 0.008453242256081643 | 0 | 0 | #DIV/0! | 0.05939845880696088 Bâtiments et Travaux Publics ( 600 ) | 0.04094264788638312 | 0.07751215969914182 | 0.11087402144431974 | 0.0844542520976522 | 0.027187557283270908 | 0.10511474852462342 | 0 | 0 | #DIV/0! | 0.06151960511628116 Électricité, Gaz et Eau ( 300 à 500 ) | 0.06052932100119618 | 0 | 0.04187949078737623 | 0.07064164673337912 | 0.0023271169624416014 | 0.017101487377397622 | 0 | 0.1433734475369707 | #DIV/0! | 0.03807240703573927 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 8.728417239989427e-05 | 0.0002943986174302318 | 0.021693053065388358 | 0 | 0 | 0 | #DIV/0! | 0.0064265933561117585 Total | 0.9999999999999998 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 | #DIV/0! | 1.0000000000000002 [Secteur d' activitésept 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2019 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 1111.12204 | 11838.652 | 1288195.5799999998 | 0 | 0 | 0 | 0 | 1301145.35404 200 | Industrie alimentaire | 711875 | 1209.3326299999999 | 683079.81274 | 548419.683 | 2475484.64 | 553838.089 | 12502.61 | 178142.52417 | 0 | 5164551.69154 210 | Industrie des boissons | 51 | 0 | 850973.3767799999 | 1154645.153 | 3343244.75 | 434112.622 | 0 | 0 | 0 | 5783026.90178 220 | Industrie du bois | 53065 | 0 | 760.76756 | 6790.715 | 0 | 793.77 | 0 | 0 | 0 | 61410.25256 230 | Industrie chimique | 393 | 0 | 75927.22153 | 554452.088 | 4903.48 | 35941.294 | 0 | 171156.54283000002 | 0 | 842773.62636 240 | Industrie du textile | 1544 | 0 | 408234.02288 | 1182492.522 | 58858.4 | 196987.209 | 0 | 0 | 0 | 1848116.15388 250 | Industrie pharmacie | 0 | 0 | 34090.45022 | 0 | 39890.25 | 45174.548 | 0 | 0 | 0 | 119155.24822000001 260 | Imprimerie, édition | 7870 | 433.2793 | 8745.028869999998 | 30729.467 | 58248.55 | 53497.161 | 0 | 0 | 0 | 159523.48617 270 | Sidérurgie, aciérie | 21789 | 0 | 102823.58576999999 | 255383.277 | 0 | 267663.695 | 0 | 0 | 0 | 647659.5577700001 280 | Industrie de la fabrication | 38916 | 2264.6706400000003 | 377027.19513999997 | 1851683.24 | 670843.61 | 328916.55 | 0 | 0 | 0 | 3269651.2657799996 290 | Autres industries | 0 | 0 | 45622.31095000001 | 13873.944 | 394419.15 | 176984.174 | 0 | 0 | 0 | 630899.57895 300 | Production et distribution de l'électricité | 1406570 | 0 | 343924.10704000003 | 2243811.306 | 0 | 5544.425 | 0 | 126020.19311 | 0 | 4125870.0311499997 400 | Production et distribution de gaz | 0 | 0 | 0 | 544390.466 | 95985.36 | 187872.152 | 0 | 0 | 0 | 828247.978 500 | Traitement et distribution de l'eau | 0 | 0 | 487088.35713 | 42511.256 | 32317.51 | 5144.318 | 0 | 0 | 0 | 567061.44113 600 | Entrep/ batiment et corps/ métiers corresp. | 943213 | 121131.30109000001 | 1761266.9228 | 4136589.034 | 1503887.35 | 1231958.092 | 0 | 0 | 0 | 9698045.69989 700 | Commerce de gros(1) | 2813693 | 317555.24951999995 | 3833285.03477 | 6421470.165 | 8973313.4 | 2559228.717 | 0 | 67187.664 | 0 | 24985733.23029 800 | Commerce de détail(2) | 264299 | 421513.88793 | 1122517.53299 | 6621322.865 | 8414104.71 | 1376473.322 | 0 | 194097.696 | 0 | 18414329.01392 900 | Rest/débits/boissons, casinos/activités/loterie | 130936 | 1943.55173 | 9888.26619 | 4723.91 | 29157.33 | 22527.092 | 0 | 0 | 0 | 199176.14992 1000 | Hotels,motels et pensions | 1564415 | 0 | 152203.06456 | 841343.043 | 643045.92 | 333613.388 | 185067.85 | 0 | 0 | 3719688.2655599997 1100 | Transport | 2270654 | 0 | 318946.04108 | 310153.511 | 1464982.42 | 74229.614 | 0 | 0 | 0 | 4438965.58608 1200 | Immobilier résidentiel / Avance Hypothécaire | 2073695 | 137610.68807 | 1885923.91039 | 414735.715 | 2908558.09 | 561371.501 | 3426750.89 | 0 | 0 | 11408645.79446 1300 | Immobilier commercial | 3424841 | 255104.86381 | 1430176.8571400002 | 5708184.131 | 3782420.89 | 134907.27 | 1050091.56 | 0 | 0 | 15785726.571950002 1400 | Télécommunications | 1867331 | 59016.05629 | 32026.391789999998 | 63429.8 | 1508246.32 | 36344.954 | 0 | 0 | 0 | 3566394.52208 1500 | Services financiers | 263674 | 0 | 405864.32709 | 725263.219 | 798686.14 | 2005081.036 | 0 | 122789.05442 | 0 | 4321357.77651 1510 | Services professionnels | 870888 | 25127.51767 | 231182.70182 | 124469.149 | 426142.98 | 353769.066 | 0 | 0 | 0 | 2031579.4144899999 1520 | Services médicaux | 1908 | 0 | 13844.2611 | 4027.87 | 3618.89 | 39493.89 | 0 | 0 | 0 | 62892.9111 1530 | Services d'agence ou de représentation | 1917 | 941.2188100000001 | 16614.603470000002 | 37025.732 | 22877.01 | 5728.635 | 0 | 0 | 0 | 85104.19928 1540 | Services d'enseignement | 115799 | 0 | 28794.69745 | 49865.33 | 3129.81 | 5999.145 | 0 | 0 | 0 | 203587.98244999998 1550 | Autres services | 157092 | 25710.743469999998 | 122062.56188 | 243080.906 | 450098.94 | 732622.664 | 0 | 0 | 0 | 1730667.8153499998 1560 | Crédit à la consommation | 3272517 | 25896.155039999998 | 1387908.76986 | 4265561.638 | 2349998.29 | 238334.762 | 181151.5 | 0 | 0 | 11721368.114899999 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 22278945 | 1395458.516 | 16171913.303030001 | 38412267.787 | 41744659.769999996 | 12004153.155000001 | 4855564.41 | 859393.67453 | 0 | 137722355.61556 (1) Commerce de gros Import-export | 501036 | 46550.6757 | 895359.6263 | 1893911.279 | 2606105.41 | 375707 | 0 | 6318669.991 Produits pétroliers | 0 | 747943.77053 | 410030.404 | 134.55 | 145869 | 0 | 1303977.72453 Produits pharmaceutiques | 0 | 20727.61053 | 76964.916 | 107792.92 | 21945 | 0 | 227430.44653000002 Produits alimentaires | 434961 | 11304.00828 | 819555.66176 | 2219204.942 | 3465507.17 | 1041119 | 0 | 7991651.78204 Matériaux de construction | 150083.17725 | 980770.04851 | 504228.353 | 1363343.76 | 944954 | 0 | 3943379.3387599997 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1877695 | 109617.38829 | 368928.31732 | 1317130.27 | 1430429.6 | 29633 | 67187.664 | 0 | 5200621.2396100005 S-Total | 2813692 | 317555.24952 | 3833285.03495 | 6421470.164000001 | 8973313.41 | 2559227 | 0 | 67187.664 | 0 | 24985730.52247 (2) Commerce de détail Produits pétroliers | 32270 | 4910.8557599999995 | 97699.07176 | 59875.712 | 148040.22 | 30361 | 186632.4 | 559789.25952 Produits pharmaceutiques | 1960 | 1008.03962 | 1632.897 | 924.71 | 58221 | 0 | 63746.64662 Véhicules automobiles | 155331 | 294765.38274000003 | 2209532.797 | 4854818.49 | 706245 | 0 | 8220692.66974 Produits alimentaires | 63 | 605190.56901 | 652044.605 | 958019.86 | 183702 | 7465.296 | 0 | 2406485.33001 Librairie ,papeterie | 761 | 0 | 23328.179 | 120152.44 | 163 | 0 | 144404.619 Appareils électro- ménagers électroni.équip. inform. | 0 | 54657.149560000005 | 311544.733 | 552171.66 | 339460 | 0 | 1257833.54256 Matériaux de construction | 30667 | 0 | 198817.687 | 678348.78 | 172 | 0 | 908005.4670000001 Autres | 43247 | 416603.032 | 69197.32020999999 | 3164546.256 | 1101628.55 | 58150 | 0 | 4853372.15821 S-Total | 264299 | 421513.88776 | 1122517.5329 | 6621322.866 | 8414104.71 | 1376474 | 0 | 194097.696 | 0 | 18414329.692660004 [Secteur d'activité sept 19 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2019 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 6.870690061093872e-05 | 0.00030819976747133366 | 0.030858931108734725 | 0 | 0 | 0 | #DIV/0! | 0.009447597292570527 200 | Industrie alimentaire | 0.031952814641806424 | 0.0008666202657650339 | 0.042238651663561465 | 0.014277201388916787 | 0.059300630395340274 | 0.04613720616929266 | 0.0025749035424699473 | 0.20728861457751088 | #DIV/0! | 0.03749973392813871 210 | Industrie des boissons | 0 | 0 | 0.052620451324121305 | 0.030059281045384426 | 0.08008796259019074 | 0.03616353576921686 | 0 | 0 | #DIV/0! | 0.04199047333987532 220 | Industrie du bois | 0.002381845280375709 | 0 | 4.704252030942196e-05 | 0.0001767850582958345 | 0 | 6.61246145188823e-05 | 0 | 0 | #DIV/0! | 0.00044589894128315224 230 | Industrie chimique | 1.763997352657408e-05 | 0 | 0.0046950054769199214 | 0.014434245097802978 | 0.00011746364749447328 | 0.002994071596381594 | 0 | 0.19915964929996147 | #DIV/0! | 0.006119366914638967 240 | Industrie du textile | 6.930310209931394e-05 | 0 | 0.025243396698367934 | 0.03078424134073634 | 0.0014099623837945106 | 0.016409921337762205 | 0 | 0 | #DIV/0! | 0.013419144231302985 250 | Industrie pharmacie | 0 | 0 | 0.0021080035232202703 | 0 | 0.0009555773174289307 | 0.0037632432222995905 | 0 | 0 | #DIV/0! | 0.000865184506084194 260 | Imprimerie, édition | 0.0003532483248196896 | 8.92335603885028e-05 | 0.0005407541276121925 | 0.0007999909604503976 | 0.0013953533295260106 | 0.004456554353250418 | 0 | 0 | #DIV/0! | 0.0011582976885415462 270 | Sidérurgie, aciérie | 0.0009780086085763935 | 0 | 0.006358158360318118 | 0.006648482157214115 | 0 | 0.02229759080410533 | 0 | 0 | #DIV/0! | 0.004702646530225532 280 | Industrie de la fabrication | 0.0017467613479902212 | 0.0016228863947109985 | 0.023313703708104806 | 0.04820551731722207 | 0.016070165949276825 | 0.027400229383361275 | 0 | 0 | #DIV/0! | 0.023740889786309984 290 | Autres industries | 0 | 0 | 0.0028210830775015423 | 0.0003611852358452892 | 0.009448373808126022 | 0.014743578469446808 | 0 | 0 | #DIV/0! | 0.004580952570337247 300 | Production et distribution de l'électricité | 0.06313449761647151 | 0 | 0.021266754316297362 | 0.0584139243858802 | 0 | 0.00046187556326625356 | 0 | 0.1466384927477155 | #DIV/0! | 0.029957881657695487 400 | Production et distribution de gaz | 0 | 0 | 0 | 0.014172307373745844 | 0.0022993446474075794 | 0.01565059605406209 | 0 | 0 | #DIV/0! | 0.006013896395382478 500 | Traitement et distribution de l'eau | 0 | 0 | 0.030119401953431088 | 0.0011067103935578425 | 0.0007741711198045297 | 0.000428544848901505 | 0 | 0 | #DIV/0! | 0.004117424789864202 600 | Entrep/ batiment et corps/ métiers corresp. | 0.04233651997435246 | 0.08680394271928324 | 0.10890900104380387 | 0.1076892688798749 | 0.03602586194943134 | 0.10262765528669231 | 0 | 0 | #DIV/0! | 0.07041736729337722 700 | Commerce de gros(1) | 0.12629381687508093 | 0.22756337496169607 | 0.23703348904620877 | 0.16717237838202412 | 0.2149571573810913 | 0.21319527366526672 | 0 | 0.07818031013172717 | #DIV/0! | 0.18142104176634552 800 | Commerce de détail(2) | 0.011863173951908406 | 0.30206121005893094 | 0.06941154778387805 | 0.17237521360925423 | 0.20156122379147617 | 0.11466642454712998 | 0 | 0.22585422926943405 | #DIV/0! | 0.13370617233212306 900 | Rest/débits/boissons, casinos/activités/loterie | 0.005877118508080163 | 0.0013927692638051878 | 0.000611446895906084 | 0.00012297920097283945 | 0.0006984685025736887 | 0.0018766081796129832 | 0 | 0 | #DIV/0! | 0.001446215097249592 1000 | Hotels,motels et pensions | 0.07021943812869057 | 0 | 0.009411568174279227 | 0.021902977654569476 | 0.015404267840317341 | 0.027791497133726792 | 0.038114590678450085 | 0 | #DIV/0! | 0.027008601827456298 1100 | Transport | 0.10191927849366296 | 0 | 0.01972222056250089 | 0.008074334811988538 | 0.035093888130160705 | 0.0061836610247747205 | 0 | 0 | #DIV/0! | 0.032231263880433375 1200 | Immobilier résidentiel | 0.09307868931854718 | 0.09861324180703913 | 0.11661724095668072 | 0.010796959900929371 | 0.06967497414100975 | 0.046764773303994055 | 0.7057368826047558 | 0 | #DIV/0! | 0.08283800943912291 1300 | Immobilier commercial | 0.15372545692805473 | 0.18281078289682384 | 0.08843584740662934 | 0.1486031536240576 | 0.09060849725066523 | 0.011238382937809158 | 0.21626560196325353 | 0 | #DIV/0! | 0.11461992863391393 1400 | Télécommunications | 0.08381595268537177 | 0.012154314371457385 | 0.001980371226946874 | 0.0016512901646870944 | 0.03613028177280555 | 0.0030276982916417976 | 0 | 0 | #DIV/0! | 0.02589553820902745 1500 | Services financiers | 0.011835120558895405 | 0 | 0.0250968651318429 | 0.01888103100347159 | 0.019132654198177935 | 0.167032277088604 | 0 | 0.14287870397365096 | #DIV/0! | 0.03137731530364392 1510 | Services professionnels | 0.03909018133488817 | 0.018006638951924243 | 0.0142953216164401 | 0.003240348882554769 | 0.010208323228597726 | 0.029470555851134502 | 0 | 0 | #DIV/0! | 0.014751268270207181 1520 | Services médicaux | 8.564139819008486e-05 | 0 | 0.0008560682239995754 | 0.00010485894824890204 | 8.66910886311914e-05 | 0.0032900188368181474 | 0 | 0 | #DIV/0! | 0.0004566645031512538 1530 | Services d'agence ou de représentation | 8.604536704947204e-05 | 0.000674487130364827 | 0.0010273740131223098 | 0.0009639038289879555 | 0.0005480224327146313 | 0.00047722108557186264 | 0 | 0 | #DIV/0! | 0.0006179403401838478 1540 | Services d'enseignement | 0.005197687772019725 | 0 | 0.0017805374608708155 | 0.001298161573706307 | 7.497509902450452e-05 | 0.0004997557863964123 | 0 | 0 | #DIV/0! | 0.0014782493484086067 1550 | Autres services | 0.007051141784316987 | 0.018424584590087518 | 0.007547812036385955 | 0.00632821023085408 | 0.010782192081092629 | 0.06103076614736843 | 0 | 0 | #DIV/0! | 0.01256635357139119 1560 | Crédit à la consommation | 0.1468883288683553 | 0.01855745243809168 | 0.08582217477012807 | 0.11104685778129479 | 0.056294584815105804 | 0.019854358647592576 | 0.0373080212110707 | 0 | #DIV/0! | 0.08510868161171437 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999977108431302 | 0.9696415394103686 | 1 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | #DIV/0! | 1.0000000000000004 (1) Commerce de gros Import-export | 0.022489215714657944 | 0.03335869548701081 | 0.055365101798575914 | 0.04930485462357844 | 0.06242967182769784 | 0.031298084516983155 | 0 | 0 | #DIV/0! | 0.04587976993828089 Produits pétroliers | 0 | 0 | 0.04624955356332907 | 0.010674464894227569 | 3.223166765313896e-06 | 0.012151544396052816 | 0 | 0 | #DIV/0! | 0.009468163093070676 Produits pharmaceutiques | 0 | 0 | 0.0012817042820849427 | 0.0020036545727208405 | 0.0025821966353038986 | 0.001828117295459481 | 0 | 0 | #DIV/0! | 0.0016513691296774823 Produits alimentaires | 0.019523411005323635 | 0.00810056920387879 | 0.05067771799187462 | 0.05777333830706692 | 0.08301677841175037 | 0.08672989977359215 | 0 | 0 | #DIV/0! | 0.058027266134976684 Matériaux de construction | 0 | 0.10755115650460512 | 0.06064650670160599 | 0.013126753041398086 | 0.03265911777725815 | 0.07871892234283977 | 0 | 0 | #DIV/0! | 0.028632819422342737 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.08428114526967054 | 0.07855295376620139 | 0.022812904719868667 | 0.0342893129169989 | 0.034266169801867336 | 0.002468562306509492 | 0 | 0.07818031013172717 | #DIV/0! | 0.03776163438655583 S-Total | 0.1262937719896521 | 0.2275633749616961 | 0.2370334890573392 | 0.16717237835599078 | 0.2149571576206429 | 0.21319513063143686 | - | 0.07818031013172717 | #DIV/0! | 0.18142102210490432 (2) Commerce de détail Produits pétroliers | 0.0014484527880471898 | 0.0035191700102104643 | 0.0060412809498363385 | 0.0015587653489249065 | 0.0035463271425771646 | 0.0025292079839346233 | 0 | 0.2171675281436866 | #DIV/0! | 0.004064621586074254 Produits pharmaceutiques | 8.797544048876642e-05 | 0 | 6.233273708010367e-05 | 4.250977862214704e-05 | 2.2151575916413323e-05 | 0.004850071408473294 | 0 | 0 | #DIV/0! | 0.0004628634642145044 Véhicules automobiles | 0.006972098544163559 | 0 | 0.018226994989193532 | 0.057521539973950195 | 0.11629795324116977 | 0.058833387985043575 | 0 | 0 | #DIV/0! | 0.059690328654320654 Produits alimentaires | 2.827782015710349e-06 | 0 | 0.037422323362110176 | 0.016974905220791824 | 0.022949518939150287 | 0.015303203618614609 | 0 | 0.008686701125747464 | #DIV/0! | 0.01747345461275361 Librairie ,papeterie | 3.415781133262818e-05 | 0 | 0 | 0.000607310641729282 | 0.0028782709132617757 | 0 | 0 | 0 | #DIV/0! | 0.0010485198162242663 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.003379757764949144 | 0.008110552980822371 | 0.01322736041070386 | 0.02827854623452611 | 0 | 0 | #DIV/0! | 0.009133110865973954 Matériaux de construction | 0.0013765014456474487 | 0 | 0 | 0.0051758903718589246 | 0.016249953496746395 | 1.4328374336706802e-05 | 0 | 0 | #DIV/0! | 0.00659301435080459 Autres | 0.0019411601402131026 | 0.29854203992689665 | 0.00427885797514355 | 0.08238373931858792 | 0.02638968807195048 | 0.004844156788834306 | 0 | 0 | #DIV/0! | 0.03524026391007838 S-Total | 0.011863173951908404 | 0.3020612099371071 | 0.06941154777831283 | 0.17237521363528757 | 0.20156122379147617 | 0.11465290239376322 | - | 0.22585422926943405 | #DIV/0! | 0.1337061772604442 [Secteur d'activité sept 19 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2019 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3077992 | 739069.13745 | 4955802.56776 | 13042793.030000001 | 17387418.11 | 3935702.039 | 0 | 261285.36 | 0 | 43400062.24421 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3106629 | 53723.03168 | 980454.4835599998 | 2029799.1590000002 | 2376757.02 | 3498834.9159999997 | 185067.85 | 122789.05442 | 0 | 12354054.514659999 Industries Manufacturières ( 200 à 290 ) | 835503 | 3907.2825700000003 | 2587283.77244 | 5598470.089000001 | 7045892.830000002 | 2093909.1120000002 | 12502.61 | 349299.06700000004 | 0 | 18526767.763010003 Prêts aux Particuliers ( 1560 ) | 3272517 | 25896.155039999998 | 1387908.76986 | 4265561.638 | 2349998.29 | 238334.762 | 181151.5 | 0 | 0 | 11721368.114899999 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5498536 | 392715.55188000004 | 3316100.7675300003 | 6122919.846 | 6690978.98 | 696278.7710000001 | 4476842.45 | 0 | 0 | 27194372.366410002 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 4137985 | 59016.05629 | 350972.43287 | 373583.311 | 2973228.74 | 110574.568 | 0 | 0 | 0 | 8005360.108159999 Bâtiments et Travaux Publics ( 600 ) | 943213 | 121131.30109000001 | 1761266.9228 | 4136589.034 | 1503887.35 | 1231958.092 | 0 | 0 | 0 | 9698045.69989 Électricité, Gaz et Eau ( 300 à 500 ) | 1406570 | 0 | 831012.46417 | 2830713.028 | 128302.87 | 198560.895 | 0 | 126020.19311 | 0 | 5521179.45028 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1111.12204 | 11838.652 | 1288195.5799999998 | 0 | 0 | 0 | 0 | 1301145.35404 Total | 22278945 | 1395458.516 | 16171913.30303 | 38412267.787 | 41744659.77 | 12004153.155 | 4855564.41 | 859393.6745300001 | 0 | 137722355.61556 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.13815699082698935 | 0.529624585020627 | 0.3064450368300869 | 0.3395475919912784 | 0.41651838117256734 | 0.32786169821239675 | 0 | 0.30403453940116115 | #DIV/0! | 0.31512721409846856 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13944237485213057 | 0.03849847993618178 | 0.06062699355284697 | 0.052842471323365926 | 0.05693559447112964 | 0.29146870010923315 | 0.038114590678450085 | 0.14287870397365093 | #DIV/0! | 0.08970260826169188 Industries Manufacturières ( 200 à 290 ) | 0.037501910436064184 | 0.0027999990864651402 | 0.159986250480037 | 0.14574692960186825 | 0.1687854894211778 | 0.17443205571963566 | 0.0025749035424699473 | 0.40644826387747235 | #DIV/0! | 0.13452258843673764 Prêts aux Particuliers ( 1560 ) | 0.1468883288683553 | 0.01855745243809168 | 0.08582217477012809 | 0.11104685778129479 | 0.0562945848151058 | 0.01985435864759258 | 0.0373080212110707 | 0 | #DIV/0! | 0.08510868161171437 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24680414624660188 | 0.281424024703863 | 0.2050530883633101 | 0.15940011352498695 | 0.16028347139167498 | 0.05800315624180322 | 0.9220024845680093 | 0 | #DIV/0! | 0.19745793807303683 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.18573523117903473 | 0.04229151609548814 | 0.02170259178944777 | 0.009725624976675631 | 0.07122416990296625 | 0.00921135931641652 | 0 | 0 | #DIV/0! | 0.058126802089460826 Bâtiments et Travaux Publics ( 600 ) | 0.04233651997435246 | 0.08680394271928324 | 0.10890900104380388 | 0.1076892688798749 | 0.03602586194943133 | 0.10262765528669232 | 0 | 0 | #DIV/0! | 0.07041736729337722 Électricité, Gaz et Eau ( 300 à 500 ) | 0.06313449761647151 | 0 | 0.05138615626972846 | 0.0736929421531839 | 0.0030735157672121083 | 0.01654101646622985 | 0 | 0.1466384927477155 | #DIV/0! | 0.04008920284294217 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 6.870690061093873e-05 | 0.00030819976747133366 | 0.03085893110873472 | 0 | 0 | 0 | #DIV/0! | 0.009447597292570527 Total | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | #DIV/0! | 1 [Secteur d' activité juin 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2019 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 132928.89106999998 | 14719.406 | 950609.98 | 0 | 0 | 0 | 0 | 1098258.2770699998 200 | Industrie alimentaire | 1028133.443582464 | 1209.3326299999999 | 717573.5675700001 | 449070.618 | 2337244.59 | 600071.853 | 13124.73 | 177846.11216999998 | 0 | 5324274.246952464 210 | Industrie des boissons | 112.95727000000001 | 0 | 669321.09518 | 1293778.82 | 2012404.17 | 440037.061 | 0 | 0 | 0 | 4415654.10345 220 | Industrie du bois | 52294.515928128 | 0 | 153.56659 | 1372.087 | 0 | 943.204 | 0 | 0 | 0 | 54763.373518128 230 | Industrie chimique | 0 | 0 | 72596.33784000001 | 391553.32 | 13063.24 | 23238.905 | 0 | 170871.75483000002 | 0 | 671323.55767 240 | Industrie du textile | 7098.49261 | 0 | 415820.12357 | 1161791.434 | 123068.5 | 121573.69 | 0 | 0 | 0 | 1829352.2401799997 250 | Industrie pharmacie | 0 | 0 | 16228.457980000001 | 0 | 19593.31 | 63660.14 | 0 | 0 | 0 | 99481.90798 260 | Imprimerie, édition | 97984.410306064 | 0 | 7744.31192 | 133845.491 | 131494.61 | 77675.588 | 0 | 0 | 0 | 448744.41122606397 270 | Sidérurgie, aciérie | 21367.237100000002 | 0 | 109462.60547 | 276197.892 | 0 | 328038.816 | 0 | 0 | 0 | 735066.55057 280 | Industrie de la fabrication | 40596.918880000005 | 2438.73056 | 380026.62731 | 1459836.656 | 802775.5 | 291545.609 | 0 | 0 | 0 | 2977220.04175 290 | Autres industries | 0 | 0 | 47112.48365 | 1353.79 | 1963003.51 | 121568.788 | 0 | 0 | 0 | 2133038.5716500003 300 | Production et distribution de l'électricité | 1284192.171060048 | 0 | 363381.89041000005 | 2790333.834 | 0 | 5461.607 | 0 | 55815.36 | 0 | 4499184.862470048 400 | Production et distribution de gaz | 0 | 0 | 4.41965 | 573896.145 | 84472.47 | 191911.698 | 0 | 0 | 0 | 850284.73265 500 | Traitement et distribution de l'eau | 0 | 0 | 477765.12544 | 46682.032 | 51883.37 | 8823.588 | 0 | 0 | 0 | 585154.11544 600 | Entrep/ batiment et corps/ métiers corresp. | 965585.74211 | 133817.75555 | 1564904.1750999999 | 3093652.696 | 1923533.05 | 1261283.856 | 0 | 0 | 0 | 8942777.274759999 700 | Commerce de gros(1) | 2790374.5146318716 | 320375.87580000004 | 3206367.5566100003 | 5692375.329 | 7540497.99 | 2326418.183 | 0 | 80190 | 0 | 21956599.449041873 800 | Commerce de détail(2) | 285660.9283142239 | 441852.75201 | 1132191.92213 | 6536042.906 | 7636465.83 | 1382924.112 | 0 | 194961.2 | 0 | 17610099.650454223 900 | Rest/débits/boissons, casinos/activités/loterie | 130842.34307999999 | 34.29018 | 10740.01753 | 2954.185 | 22219.08 | 21814.921 | 0 | 0 | 0 | 188604.83679 1000 | Hotels,motels et pensions | 1426934.6976499998 | 0 | 156184.42784 | 858092.57 | 38257.32 | 335101.712 | 168310.15 | 0 | 0 | 2982880.8774899994 1100 | Transport | 2278121.38308 | 146743.20629 | 318642.00467 | 318060.748 | 1478475.41 | 77524.593 | 0 | 0 | 0 | 4617567.345040001 1200 | Immobilier résidentiel / Avance Hypothécaire | 2085529.9400100005 | 257709.35161 | 1874958.14502 | 427160.685 | 2769893.14 | 461379.767 | 3440071.98 | 0 | 0 | 11316703.008639999 1300 | Immobilier commercial | 3440790.9073317274 | 60059.12648 | 1449671.8254200001 | 5186527.35 | 4849050.19 | 186852.203 | 919960.3 | 0 | 0 | 16092911.902231729 1400 | Télécommunications | 3569.68165 | 0 | 30318.54148 | 38513.403 | 1500004.52 | 34986.508 | 0 | 0 | 0 | 1607392.65413 1500 | Services financiers | 258271.943396464 | 0 | 369340.56861 | 1507067.808 | 1813906.89 | 1958035.092 | 0 | 160026.11051 | 0 | 6066648.412516464 1510 | Services professionnels | 888792.1279190399 | 25906.20001 | 557606.3703099999 | 136197.814 | 343273.76 | 401386.156 | 0 | 0 | 0 | 2353162.42823904 1520 | Services médicaux | 2077.17025 | 0 | 8967.43273 | 4495.739 | 4584.51 | 38099.967 | 0 | 0 | 0 | 58224.81898 1530 | Services d'agence ou de représentation | 1625.0115600000001 | 941.2188100000001 | 14153.83679 | 32401.215 | 30820.31 | 3420.404 | 0 | 0 | 0 | 83361.99616 1540 | Services d'enseignement | 110728.17501999998 | 0 | 23569.8477 | 85128.237 | 4599.82 | 7215.278 | 0 | 0 | 0 | 231241.35771999997 1550 | Autres services | 188932.48433284805 | 25322.85698 | 178220.80933000002 | 346233.874 | 567401.24 | 584996.412 | 0 | 0 | 0 | 1891107.6766428482 1560 | Crédit à la consommation | 3166004.6182699846 | 25833.84163 | 1383887.28343 | 4095735.906 | 2521070.3 | 246128.142 | 302953.74 | 0 | 0 | 11741613.831329985 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 20555621.815342862 | 1442244.5385399999 | 15689844.268349998 | 36955071.989999995 | 41533666.61 | 11602117.853 | 4844420.9 | 839710.5375099999 | 0 | 133462698.51274285 (1) Commerce de gros Import-export | 508908 | 47438.8891 | 1140637.59801 | 1549272.247 | 2180752.72 | 241434 | 0 | 5668443.45411 Produits pétroliers | 0 | 361695.25393 | 179731.343 | 351.73 | 135257 | 0 | 677035.32693 Produits pharmaceutiques | 0 | 19382.305170000003 | 83347.608 | 107613.61 | 21463 | 0 | 231806.52317 Produits alimentaires | 417929 | 11234.01665 | 662081.46881 | 2027839.647 | 2643078.59 | 1026626 | 0 | 6788788.72246 Matériaux de construction | 149646.90081 | 638621.04038 | 349173.299 | 1370981.93 | 865325 | 0 | 3373748.17019 Appareils électroménagers électron.,équipe.inform. | 112056.06924 | 0 | 0 | 0 | 0 | 0 | 112056.06924 Autres | 2790375 | 0 | 383949.89032 | 1503011.183 | 1237719.41 | 36313 | 30190 | 0 | 5981558.483320001 S-Total | 3717212 | 320375.8758 | 3206367.55662 | 5692375.327 | 7540497.99 | 2326418 | 0 | 30190 | 0 | 22833436.749420002 (2) Commerce de détail Produits pétroliers | 34467 | 4910.85576 | 57805.35254 | 44069.575 | 121151.52 | 33315 | 186051.2 | 481770.50330000004 Produits pharmaceutiques | 2230 | 1162.62956 | 1785.127 | 1000.7 | 63039 | 0 | 69217.45656 Véhicules automobiles | 168373 | 325406.21855 | 2244150.71 | 5286612.56 | 751518 | 0 | 8776060.48855 Produits alimentaires | 286 | 612286.46949 | 450868.908 | 497833.82 | 89199 | 8910 | 0 | 1659384.1974900002 Librairie ,papeterie | 761 | 0 | 27480.784 | 155154.49 | 0 | 0 | 183396.27399999998 Appareils électro- ménagers électroni.équip. inform. | 31803 | 55364.38193 | 393914.663 | 301381.12 | 324149 | 0 | 1106612.16493 Matériaux de construction | 0 | 0 | 204216.712 | 269215.15 | 6 | 0 | 473437.862 Autres | 47740 | 436941.89625 | 80166.87006 | 3169556.426 | 1004116.47 | 121698 | 0 | 4860219.66231 S-Total | 285660 | 441852.75201 | 1132191.92213 | 6536042.904999999 | 7636465.83 | 1382924 | 0 | 194961.2 | 0 | 17610098.60914 [Secteur d'activité juin 19 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2019 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.008472288749108105 | 0.0003983054343388387 | 0.02288769708020729 | 0 | 0 | 0 | #DIV/0! | 0.008228953028138716 200 | Industrie alimentaire | 0.050017141433058375 | 0.0008385073388623962 | 0.045734906943436654 | 0.01215179930163627 | 0.0562734952333167 | 0.05172088928960822 | 0.0027092464240669094 | 0.21179454612701232 | #DIV/0! | 0.03989335077354298 210 | Industrie des boissons | 0 | 0 | 0.04265951170274988 | 0.03500950614708843 | 0.04845236007926823 | 0.03792730487444739 | 0 | 0 | #DIV/0! | 0.0330853051276226 220 | Industrie du bois | 0.002544049331025102 | 0 | 9.78764271802104e-06 | 3.712851649622778e-05 | 0 | 8.129584718501307e-05 | 0 | 0 | #DIV/0! | 0.0004103271860106984 230 | Industrie chimique | 0 | 0 | 0.004626963569450043 | 0.01059538782946909 | 0.0003145217137380012 | 0.0020029881866775756 | 0 | 0.20348887765144325 | #DIV/0! | 0.005030046336174619 240 | Industrie du textile | 0.00034533095976214327 | 0 | 0.02650250164743854 | 0.03143794265410657 | 0.0029631022263362844 | 0.010478577406327955 | 0 | 0 | #DIV/0! | 0.013706842889928047 250 | Industrie pharmacie | 0 | 0 | 0.0010343288118376363 | 0 | 0.0004717452514843115 | 0.005486941333175579 | 0 | 0 | #DIV/0! | 0.0007453911024472625 260 | Imprimerie, édition | 0.004766793784507542 | 0 | 0.000493587558139251 | 0.003621843600689466 | 0.003165976441105737 | 0.0066949490587974985 | 0 | 0 | #DIV/0! | 0.0033623208299150224 270 | Sidérurgie, aciérie | 0.001039483859546946 | 0 | 0.006976653406994682 | 0.007473883208094923 | 0 | 0.02827404618331625 | 0 | 0 | #DIV/0! | 0.005507655388069474 280 | Industrie de la fabrication | 0.0019749788765669046 | 0.001690927228241581 | 0.024221185424803775 | 0.039503012100613154 | 0.01932830798537582 | 0.025128654327934968 | 0 | 0 | #DIV/0! | 0.02230750670357335 290 | Autres industries | 0 | 0 | 0.003002737493388424 | 3.6633401779499556e-05 | 0.04726294763312254 | 0.010478154897260032 | 0 | 0 | #DIV/0! | 0.015982282655901344 300 | Production et distribution de l'électricité | 0.06247401234544595 | 0 | 0.023160324869700866 | 0.07550611279434286 | 0 | 0.00047074224457974915 | 0 | 0.06646976250352855 | #DIV/0! | 0.03371117857354331 400 | Production et distribution de gaz | 0 | 0 | 2.8168858303555275e-07 | 0.015529563713346187 | 0.002033831272186831 | 0.01654109193093369 | 0 | 0 | #DIV/0! | 0.00637095414767757 500 | Traitement et distribution de l'eau | 0 | 0 | 0.030450597040262626 | 0.0012632104197397346 | 0.0012491882907228835 | 0.0007605152879668821 | 0 | 0 | #DIV/0! | 0.004384401948714758 600 | Entrep/ batiment et corps/ métiers corresp. | 0.04697429008882037 | 0.09278437322804162 | 0.09973994313358286 | 0.0837138863330354 | 0.046312623156099436 | 0.10871151905027972 | 0 | 0 | #DIV/0! | 0.06700581791328124 700 | Commerce de gros(1) | 0.13574751178527308 | 0.22213700051471166 | 0.20435942522883904 | 0.154035022054357 | 0.1815514642808946 | 0.20051668259846628 | 0 | 0.09549719387562769 | #DIV/0! | 0.16451487714333518 800 | Commerce de détail(2) | 0.013896973338019118 | 0.3063646560640073 | 0.07216081324745141 | 0.17686456970693082 | 0.18386206789075973 | 0.119195833857386 | 0 | 0.23217667433127603 | #DIV/0! | 0.1319477265685051 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006365282658700129 | 2.377556585148336e-05 | 0.0006845203398012732 | 7.993990651132811e-05 | 0.0005349655307015526 | 0.0018802533534305755 | 0 | 0 | #DIV/0! | 0.0014131651681836199 1000 | Hotels,motels et pensions | 0.06941822098443773 | 0 | 0.009954491910098794 | 0.023219886304975915 | 0.000921115883151738 | 0.02888280538482477 | 0.034743089726163134 | 0 | #DIV/0! | 0.022349921818830883 1100 | Transport | 0.1108271694986913 | 0.10174641149173619 | 0.020308806079915896 | 0.00860668727924727 | 0.03559703562613058 | 0.006681934624543931 | 0 | 0 | #DIV/0! | 0.03459818658319067 1200 | Immobilier résidentiel | 0.10145788625345044 | 0.17868630785101258 | 0.11950138656265819 | 0.011558919033240939 | 0.06669031092316557 | 0.03976685746910418 | 0.71011005257615 | 0 | #DIV/0! | 0.08479300309936035 1300 | Immobilier commercial | 0.16738928835339326 | 0.0416428177573815 | 0.09239555222000001 | 0.1403468338907165 | 0.11674987030479274 | 0.01610500818621533 | 0.18990098486281404 | 0 | #DIV/0! | 0.12057984801420149 1400 | Télécommunications | 0.00017365962859540275 | 0 | 0.0019323672664590705 | 0.001042168257997757 | 0.036115388850327175 | 0.0030155277203078416 | 0 | 0 | #DIV/0! | 0.012043759582581257 1500 | Services financiers | 0.012564540528941235 | 0 | 0.023540104177773413 | 0.040781081644430596 | 0.04367317017860562 | 0.16876531654035076 | 0 | 0.19057294551111226 | #DIV/0! | 0.04545576014962134 1510 | Services professionnels | 0.043238396576047104 | 0.01796241852038846 | 0.03553931834969321 | 0.0036854971906658714 | 0.008264951977953964 | 0.034595938524810986 | 0 | 0 | #DIV/0! | 0.01763161133756308 1520 | Services médicaux | 0.00010105119994227494 | 0 | 0.0005715437691175407 | 0.00012165418054703133 | 0.00011038057494534312 | 0.003283880364148202 | 0 | 0 | #DIV/0! | 0.0004362628631732691 1530 | Services d'agence ou de représentation | 7.905436160472071e-05 | 0.0006526069503808323 | 0.0009021018021543734 | 0.0008767731533243323 | 0.0007420560840294182 | 0.000294808589546914 | 0 | 0 | #DIV/0! | 0.0006246089513321259 1540 | Services d'enseignement | 0.0053867587181114455 | 0 | 0.0015022359238801221 | 0.0023035603075820177 | 0.00011074919157011069 | 0.000621893182901458 | 0 | 0 | #DIV/0! | 0.0017326291188239488 1550 | Autres services | 0.009191280421000326 | 0.017557949642599865 | 0.011358991605130979 | 0.009369048830257739 | 0.01366123644531272 | 0.05042151953737786 | 0 | 0 | #DIV/0! | 0.014169559717558743 1560 | Crédit à la consommation | 0.15402134981423216 | 0.017912247846784624 | 0.08820274183483243 | 0.11083014280443837 | 0.060699439894695104 | 0.021214070148094365 | 0.06253662641080587 | 0 | #DIV/0! | 0.08797674527919808 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.999994504799173 | 1.0000000000000002 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.024757606681601207 | 0.03289240335624562 | 0.07269910258516248 | 0.04192312891229738 | 0.05250566342907331 | 0.020809476602374935 | 0 | 0 | #DIV/0! | 0.0424721178072747 Produits pétroliers | 0 | 0 | 0.02305282625778651 | 0.004863509481151467 | 8.468551628314812e-06 | 0.011657957772341205 | 0 | 0 | #DIV/0! | 0.005072843082558814 Produits pharmaceutiques | 0 | 0 | 0.0012353408254725984 | 0.002255376691528399 | 0.002590997106287024 | 0.0018499208740971578 | 0 | 0 | #DIV/0! | 0.0017368637510942237 Produits alimentaires | 0.02033161554315301 | 0.0077892592759424275 | 0.04219809052825143 | 0.05487310774414758 | 0.06363701560034263 | 0.08848608616180724 | 0 | 0 | #DIV/0! | 0.050866562703374495 Matériaux de construction | 0 | 0.10375972784857221 | 0.04070282849577064 | 0.009448589332865754 | 0.033008930872236324 | 0.07458336580991115 | 0 | 0 | #DIV/0! | 0.02527858501128597 Appareils électroménagers électron.,équipe.inform. | 0 | 0.07769561003395138 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0.0008396059010398402 Autres | 0.13574753539770051 | 0 | 0.024471236537032728 | 0.04067130983824665 | 0.029800388721327002 | 0.0031298596049522476 | 0 | 0.03595286548329218 | #DIV/0! | 0.044818204262136126 S-Total | 0.1808367576224547 | 0.22213700051471164 | 0.2043594252294764 | 0.15403502200023722 | 0.1815514642808946 | 0.20051666682548394 | - | 0.03595286548329218 | #DIV/0! | 0.17108478251876416 (2) Commerce de détail Produits pétroliers | 0.0016767675679980444 | 0.0034050090874126757 | 0.003684252791253423 | 0.001192517633626182 | 0.0029169473800040213 | 0.0028714585062920754 | 0 | 0.22156587501176186 | #DIV/0! | 0.003609776429434335 Produits pharmaceutiques | 0.00010848613678694518 | 0 | 7.41007711813488e-05 | 4.830533141656586e-05 | 2.4093707145977403e-05 | 0.005433404555850101 | 0 | 0 | #DIV/0! | 0.0005186277314285774 Véhicules automobiles | 0.008191092515349023 | 0 | 0.020739926603759777 | 0.06072646024359701 | 0.12728499531816317 | 0.06477420842658285 | 0 | 0 | #DIV/0! | 0.06575665400405548 Produits alimentaires | 1.39134686641553e-05 | 0 | 0.03902438156923723 | 0.012200460822319726 | 0.011986271876129937 | 0.0076881653100029064 | 0 | 0.010610799319514188 | #DIV/0! | 0.012433318192884915 Librairie ,papeterie | 3.702150228469295e-05 | 0 | 0 | 0.0007436268560763803 | 0.0037356319021120007 | 0 | 0 | 0 | #DIV/0! | 0.0013741388121452493 Appareils électro- ménagers électroni.équip. inform. | 0.0015471679857557029 | 0 | 0.0035286763197313956 | 0.01065928549960863 | 0.007256309028286872 | 0.027938778428817947 | 0 | 0 | #DIV/0! | 0.00829154645651303 Matériaux de construction | 0 | 0 | 0 | 0.00552608075165598 | 0.006481853685780333 | 5.171469619616525e-07 | 0 | 0 | #DIV/0! | 0.0035473421958030975 Autres | 0.0023224790000936153 | 0.3029596469765946 | 0.005109475192288231 | 0.08576783254157044 | 0.024175964993137407 | 0.010489291829468197 | 0 | 0 | #DIV/0! | 0.03641631494395381 S-Total | 0.013896928176932178 | 0.3063646560640073 | 0.0721608132474514 | 0.1768645696798709 | 0.1838620678907597 | 0.11919582420397605 | - | 0.23217667433127606 | #DIV/0! | 0.13194771876621847 [Secteur d'activité juin19 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2019 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3076035.4429461 | 762228.62781 | 4338559.47874 | 12228418.235 | 15176963.82 | 3709342.295 | 0 | 275151.2 | 0 | 39566699.099496104 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3008203.9532083515 | 52204.56598 | 1318783.3108400002 | 2972571.4420000003 | 2825062.9299999997 | 3350069.9420000003 | 168310.15 | 160026.11051 | 0 | 13855232.40453835 Industries Manufacturières ( 200 à 290 ) | 1247587.975676656 | 3648.06319 | 2436039.17708 | 5168800.108 | 7402647.43 | 2068353.6539999996 | 13124.73 | 348717.86699999997 | 0 | 18688919.004946653 Prêts aux Particuliers ( 1560 ) | 3166004.6182699846 | 25833.84163 | 1383887.28343 | 4095735.906 | 2521070.3 | 246128.142 | 302953.74 | 0 | 0 | 11741613.831329985 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5526320.847341727 | 317768.47809 | 3324629.9704400003 | 5613688.034999999 | 7618943.33 | 648231.97 | 4360032.28 | 0 | 0 | 27409614.91087173 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2281691.06473 | 146743.20629 | 348960.54615 | 356574.151 | 2978479.9299999997 | 112511.101 | 0 | 0 | 0 | 6224959.99917 Bâtiments et Travaux Publics ( 600 ) | 965585.74211 | 133817.75555 | 1564904.1750999999 | 3093652.696 | 1923533.05 | 1261283.856 | 0 | 0 | 0 | 8942777.274759999 Électricité, Gaz et Eau ( 300 à 500 ) | 1284192.171060048 | 0 | 841151.4355 | 3410912.011 | 136355.84 | 206196.89299999998 | 0 | 55815.36 | 0 | 5934623.710560048 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 132928.89106999998 | 14719.406 | 950609.98 | 0 | 0 | 0 | 0 | 1098258.2770699998 Total | 20555621.815342866 | 1442244.53854 | 15689844.268350003 | 36955071.99 | 41533666.61 | 11602117.853 | 4844420.9 | 839710.5375099999 | 0 | 133462698.51274288 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1496444851232924 | 0.5285016565787188 | 0.27652023847629037 | 0.33089959176128775 | 0.36541353217165434 | 0.31971251645585225 | 0 | 0.32767386820690375 | #DIV/0! | 0.29646260371184024 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.14634458544878493 | 0.03619675067922064 | 0.0840533078776497 | 0.08043744151829482 | 0.06801862586627046 | 0.28874641547739155 | 0.034743089726163134 | 0.19057294551111226 | #DIV/0! | 0.10381351912508698 Industries Manufacturières ( 200 à 290 ) | 0.06069327344529404 | 0.0025294345671039767 | 0.15526216420095684 | 0.1398671367599736 | 0.17823245656374762 | 0.17827380140473045 | 0.0027092464240669094 | 0.4152834237784555 | #DIV/0! | 0.14003102899318534 Prêts aux Particuliers ( 1560 ) | 0.15402134981423213 | 0.017912247846784624 | 0.0882027418348324 | 0.11083014280443836 | 0.060699439894695104 | 0.021214070148094365 | 0.06253662641080587 | 0 | #DIV/0! | 0.08797674527919805 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.26884717460684365 | 0.22032912560839404 | 0.21189693878265814 | 0.15190575292395742 | 0.1834401812279583 | 0.05587186565531951 | 0.900011037438964 | 0 | #DIV/0! | 0.2053728511135618 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.11100082912728669 | 0.10174641149173617 | 0.02224117334637496 | 0.009648855537245024 | 0.07171242447645775 | 0.009697462344851773 | 0 | 0 | #DIV/0! | 0.04664194616577191 Bâtiments et Travaux Publics ( 600 ) | 0.04697429008882036 | 0.0927843732280416 | 0.09973994313358284 | 0.08371388633303539 | 0.046312623156099436 | 0.10871151905027972 | 0 | 0 | #DIV/0! | 0.06700581791328122 Électricité, Gaz et Eau ( 300 à 500 ) | 0.06247401234544594 | 0 | 0.05361120359854651 | 0.09229888692742876 | 0.0032830195629097144 | 0.01777234946348032 | 0 | 0.06646976250352855 | #DIV/0! | 0.04446653466993563 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.008472288749108103 | 0.00039830543433883866 | 0.02288769708020729 | 0 | 0 | 0 | #DIV/0! | 0.008228953028138714 Total | 1.0000000000000002 | 0.9999999999999998 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1.0000000000000002 | 1 | 1.0000000000000002 | #DIV/0! | 1 [Secteur d' activité mars 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2019 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 98925.80254 | 15490.479 | 871573.49 | 0 | 0 | 0 | 0 | 985989.77154 200 | Industrie alimentaire | 847222 | 1209.3326299999999 | 628419.25241 | 372290.723 | 1609119.45 | 582148.378 | 13548.62 | 167218.22217 | 0 | 4221175.97821 210 | Industrie des boissons | 200 | 0 | 500545.69093 | 1350918.479 | 3857342.1 | 410293.888 | 0 | 0 | 0 | 6119300.157930001 220 | Industrie du bois | 45600 | 0 | 96.53982 | 12156.266 | 852.01 | 28963.797 | 0 | 0 | 0 | 87668.61282 230 | Industrie chimique | 28 | 0 | 13386.478939999999 | 471919.235 | 15861.86 | 9205.686 | 0 | 160660.64483 | 0 | 671061.9047699999 240 | Industrie du textile | 13830 | 0 | 386817.95548 | 1088543.565 | 68831.81 | 179209.008 | 0 | 33042.44 | 0 | 1770274.7784799999 250 | Industrie pharmacie | 0 | 0 | 18320.701129999998 | 0 | 26193.49 | 147411.154 | 0 | 0 | 0 | 191925.34513 260 | Imprimerie, édition | 4143 | 0 | 4132.34918 | 93187.506 | 111128.75 | 55545.629 | 0 | 0 | 0 | 268137.23418 270 | Sidérurgie, aciérie | 19275 | 0 | 96864.66437 | 287897.964 | 0 | 348072.793 | 0 | 0 | 0 | 752110.42137 280 | Industrie de la fabrication | 42414 | 2664.82652 | 328870.52189 | 1334172.019 | 641096.67 | 261382.786 | 0 | 0 | 0 | 2610600.8234099997 290 | Autres industries | 0 | 0 | 44140.562439999994 | 3572.031 | 271547.03 | 106744.424 | 0 | 0 | 0 | 426004.04744 300 | Production et distribution de l'électricité | 835624 | 0 | 374041.55511 | 2250900.74 | 0 | 5004.494 | 0 | 178429.176 | 0 | 3643999.96511 400 | Production et distribution de gaz | 0 | 0 | 7308.42373 | 530560.475 | 40854.57 | 171126.452 | 0 | 0 | 0 | 749849.9207299999 500 | Traitement et distribution de l'eau | 0 | 0 | 486723.61318 | 42486.938 | 36821.2 | 11019.794 | 0 | 0 | 0 | 577051.5451799999 600 | Entrep/ batiment et corps/ métiers corresp. | 969417 | 117968.64008 | 1376833.3030899998 | 3641377.204 | 1838086.3 | 1294316.056 | 0 | 0 | 0 | 9237998.50317 700 | Commerce de gros(1) | 2307209 | 298220.53396 | 2761292.86391 | 6005539.1 | 5925972.14 | 2056406.556 | 0 | 38700 | 0 | 19393340.19387 800 | Commerce de détail(2) | 337200 | 424631.10247000004 | 1122466.50881 | 6184274.206 | 7418369.19 | 1224199.433 | 0 | 48907.294 | 0 | 16760047.73428 900 | Rest/débits/boissons, casinos/activités/loterie | 118135 | 34.29018 | 10856.44436 | 3571.791 | 23362.91 | 25845.508 | 0 | 0 | 0 | 181805.94354 1000 | Hotels,motels et pensions | 948195 | 0 | 58313.318049999994 | 811556.416 | 43423.36 | 321419.163 | 166765.37 | 0 | 0 | 2349672.6270500002 1100 | Transport | 1984910 | 141709.12316 | 271416.53914 | 320847.326 | 1409393.34 | 83409.874 | 0 | 0 | 0 | 4211686.2023 1200 | Immobilier résidentiel / Avance Hypothécaire | 2040519 | 269481.10802999994 | 1622116.87545 | 474152.812 | 2656904.16 | 360553.54 | 3745497.44 | 0 | 0 | 11169224.93548 1300 | Immobilier commercial | 3376706 | 60464.05072 | 1633457.226 | 4879002.443 | 4459777.43 | 176950.643 | 540143 | 0 | 0 | 15126500.79272 1400 | Télécommunications | 9064 | 0 | 33542.66662 | 36144.098 | 1506010.77 | 32833.183 | 0 | 0 | 0 | 1617594.71762 1500 | Services financiers | 337317 | 0 | 629472.46057 | 1511713.274 | 1800869.3 | 1929605.947 | 0 | 201853.98868 | 0 | 6410831.97025 1510 | Services professionnels | 820020 | 24867.21817 | 226449.55718 | 126335.376 | 259896.89 | 329234.217 | 0 | 0 | 0 | 1786803.25835 1520 | Services médicaux | 2339 | 0 | 5100.435769999999 | 4693.75 | 3935.29 | 40875.743 | 0 | 0 | 0 | 56944.21877000001 1530 | Services d'agence ou de représentation | 1258 | 941.2188100000001 | 17377.773149999997 | 31677.65 | 19342.18 | 11399.556 | 0 | 0 | 0 | 81996.37796 1540 | Services d'enseignement | 46035 | 0 | 22732.41923 | 50537.16 | 7558.15 | 8003.806 | 0 | 0 | 0 | 134866.53523 1550 | Autres services | 200797 | 9840.29603 | 34533.685359999996 | 619333.164 | 396406.88 | 487404.507 | 0 | 0 | 0 | 1748315.53239 1560 | Crédit à la consommation | 2903976 | 25915.75807 | 1348244.84595 | 4187131.455 | 2640888.03 | 236886.488 | 157732.14 | 0 | 0 | 11500774.71702 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 18211433 | 1377947.49883 | 14162801.033789998 | 36741983.645 | 37961418.75 | 10935472.503 | 4623686.569999999 | 828811.76568 | 0 | 124843554.7663 (1) Commerce de gros Import-export | 455229.904172949 | 46692.91004 | 1239023.95009 | 1407079.21 | 1584484.42 | 201263 | 0 | 4933773.394302949 Produits pétroliers | 263738.48050999996 | 1072461.139 | 564 | 128100 | 0 | 1464863.6195099999 Produits pharmaceutiques | 16534.92931 | 87996.935 | 90721.27 | 20396 | 0 | 215649.13431 Produits alimentaires | 250628.150877273 | 11546.014 | 823948.42317 | 2057910.48 | 1935265.21 | 958846 | 0 | 6038144.278047273 Matériaux de construction | 0 | 134004.1537 | 76924.63028 | 238059.791 | 1312853.13 | 109863 | 0 | 1871704.70498 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1601351.07174 | 105977.45558 | 341122.45055 | 1142031.546 | 1002084.1 | 37937 | 38700 | 0 | 4269203.62387 S-Total | 2307209.126790222 | 298220.53332 | 2761292.8639100003 | 6005539.101000001 | 5925972.129999999 | 1456405 | 0 | 38700 | 0 | 18793338.755020224 (2) Commerce de détail Produits pétroliers | 31061.75745 | 4910.8557599999995 | 58753.59335 | 53139.222 | 163308.61 | 40902 | 352076.03856 Produits pharmaceutiques | 2497.00887 | 1043.9993 | 2724.544 | 1242.46 | 48413 | 0 | 55921.01217 Véhicules automobiles | 230162.11278 | 304309.84517000004 | 2285312.93 | 5063512.93 | 613979 | 0 | 8497276.81795 Produits alimentaires | 553.33561 | 638510.57326 | 508156.663 | 450501.22 | 84451 | 0 | 1682172.7918699998 Librairie ,papeterie | 945.96859 | 7484.6896 | 28629.42 | 37786.21 | 17 | 0 | 74863.28818999999 Appareils électro- ménagers électroni.équip. inform. | 29.98775 | 47434.53991 | 226021.495 | 303233.73 | 310305 | 44607.294 | 0 | 931632.04666 Matériaux de construction | 29004.92313 | 0 | 188222.876 | 515128.98 | 63 | 0 | 732419.7791299999 Autres | 42945.17213299 | 419720.24671 | 68671.61301999999 | 2892067.057 | 883655.06 | 126068 | 4300 | 0 | 4437427.14886299 S-Total | 337200.26631299 | 424631.10247 | 1126208.85361 | 6184274.207 | 7418369.200000001 | 1224198 | 0 | 48907.294 | 0 | 16763788.923392989 [Non apparentés déc. 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2015 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 6 | 1271385500 | 1 | 407756000 | 1 | 777875000 | 8 | 2457016500 | 0.5174509410091467 | 0.16595574347994815 | 0.3165933155109052 | 1 BPH | 24 | 90763000 | 6 | 46317000 | 10 | 399638000 | 40 | 536718000 | 0.16910742699145548 | 0.08629671447575822 | 0.7445958585327863 | 1 BUH | 1 | 46070000 | 4 | 323444000 | 2 | 374868000 | 7 | 744382000 | 0.06189026601932879 | 0.43451346217399134 | 0.5035962718066799 | 1 CAPITALBK | 5 | 511418610 | 3 | 634341010 | 0 | 0 | 8 | 1145759620 | 0.44635768364746525 | 0.5536423163525348 | 0 | 1 SOGEBK | 9 | 2994096900.7200003 | 6 | 3362866544.34 | 1 | 915485203.34 | 16 | 7272448648.400001 | 0.41170409658082996 | 0.4624118652360452 | 0.1258840381831248 | 1 SOGEBL | 7 | 253504072.72 | 2 | 169656587.54 | 0 | 0 | 9 | 423160660.26 | 0.5990728735611696 | 0.40092712643883044 | 0 | 1 UNIBK | 4 | 2087539000 | 5 | 4653720000 | 0 | 0 | 9 | 6741259000 | 0.3096660430937307 | 0.6903339569062693 | 0 | 1 CBNA | 2 | 94433000 | 2 | 174253000 | 5 | 1850616000 | 9 | 2119302000 | 0.04455853861318491 | 0.08222188248772473 | 0.8732195788990904 | 1 SCOTIABK | 1 | 24375000 | 2 | 88351000 | 0 | 0 | 3 | 112726000 | 0.21623228004187145 | 0.7837677199581286 | 0 | 1 [Non apparentés sept. 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2015 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 920530500 | 2 | 921079000 | 0 | 0 | 7 | 1841609500 | 0.499851081350308 | 0.500148918649692 | 0 | 1 BPH | 18 | 80947000 | 6 | 48936000 | 9 | 376113000 | 33 | 505996000 | 0.15997557292943027 | 0.09671222697412628 | 0.7433122000964435 | 1 BUH | 11 | 112795000 | 1 | 46785000 | 1 | 181451000 | 13 | 341031000 | 0 | 0 | 0 | 0 CAPITALBK | 4 | 316015870 | 5 | 887645820 | 0 | 0 | 9 | 1203661690 | 0.2625454250355015 | 0.7374545749644985 | 0 | 1 SOGEBK | 18 | 968165058 | 2 | 558054975 | 0 | 0 | 20 | 1526220033 | 0.6343548355193159 | 0.365645164480684 | 0 | 1 SOGEBL | 6 | 215643401 | 1 | 76305974 | 0 | 0 | 7 | 291949375 | 0.738632857152032 | 0.2613671428479681 | 0 | 1 UNIBK | 9 | 3799089000 | 5 | 3974975000 | 0 | 0 | 14 | 7774064000 | 0.488687641367501 | 0.511312358632499 | 0 | 1 CBNA | 0 | 0 | 4 | 293242000 | 4 | 500400000 | 8 | 793642000 | 0 | 0.36948901393827444 | 0.6305109860617255 | 1 SCOTIABK | 1 | 25000000 | 2 | 89970000 | 0 | 0 | 3 | 114970000 | 0.2174480299208489 | 0.7825519700791511 | 0 | 1 [Non apparentés juin 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2015 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 959678000 | 4 | 1208262000 | 1 | 693307000 | 10 | 2861247000 | 0.33540550675981484 | 0.422285108555815 | 0.24230938468437013 | 1 BPH | 13 | 73397000 | 5 | 60697000 | 6 | 317162000 | 24 | 451256000 | 0.16265046891343274 | 0.13450679880156718 | 0.702842732285 | 1 BUH | 8 | 274157000 | 3 | 189663000 | 1 | 121854000 | 12 | 585674000 | 0.46810512332799475 | 0.32383715172604555 | 0.2080577249459597 | 1 CAPITALBK | 5 | 403409910 | 6 | 869703780 | 0 | 0 | 11 | 1273113690 | 0.31686872364085567 | 0.6831312763591443 | 0 | 1 SOGEBK | 8 | 2366415081 | 7 | 4026908005 | 0 | 0 | 15 | 6393323086 | 0.3701385099998996 | 0.6298614900001004 | 0 | 1 SOGEBL | 7 | 198328008 | 2 | 124743481 | 0 | 0 | 9 | 323071489 | 0.6138827310756598 | 0.3861172689243402 | 0 | 1 UNIBK | 10 | 4142229000 | 6 | 4553860000 | 0 | 0 | 16 | 8696089000 | 0.4763324064415624 | 0.5236675935584376 | 0 | 1 CBNA | 3 | 119260000 | 7 | 556814000 | 3 | 597476000 | 13 | 1273550000 | 0.09364375171763967 | 0.43721408660829963 | 0.4691421616740607 | 1 SCOTIABK | 0 | 0 | 1 | 44550000 | 2 | 409256000 | 3 | 453806000 | 0 | 0.09816970247198142 | 0.9018302975280186 | 1 [Non apparentés mars 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2015 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 959678000 | 4 | 1208262000 | 1 | 693307000 | 10 | 2861247000 | 0.33540550675981484 | 0.422285108555815 | 0.24230938468437013 | 1 BPH | 13 | 73397000 | 5 | 60697000 | 6 | 317162000 | 24 | 451256000 | 0.16265046891343274 | 0.13450679880156718 | 0.702842732285 | 1 BUH | 8 | 274157000 | 3 | 189663000 | 1 | 121854000 | 12 | 585674000 | 0.46810512332799475 | 0.32383715172604555 | 0.2080577249459597 | 1 CAPITALBK | 5 | 403409910 | 6 | 869703780 | 0 | 0 | 11 | 1273113690 | 0.31686872364085567 | 0.6831312763591443 | 0 | 1 SOGEBK | 8 | 2366415081 | 7 | 4026908005 | 0 | 0 | 15 | 6393323086 | 0.3701385099998996 | 0.6298614900001004 | 0 | 1 SOGEBL | 7 | 198328008 | 2 | 124743481 | 0 | 0 | 9 | 323071489 | 0.6138827310756598 | 0.3861172689243402 | 0 | 1 UNIBK | 10 | 4142229000 | 6 | 4553860000 | 0 | 0 | 16 | 8696089000 | 0.4763324064415624 | 0.5236675935584376 | 0 | 1 CBNA | 3 | 119260000 | 7 | 556814000 | 3 | 597476000 | 13 | 1273550000 | 0.09364375171763967 | 0.43721408660829963 | 0.4691421616740607 | 1 SCOTIABK | 0 | 0 | 1 | 44550000 | 2 | 409256000 | 3 | 453806000 | 0 | 0.09816970247198142 | 0.9018302975280186 | 1 [Non apparentés DéC. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2014 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 4 | 743386500 | 5 | 1533648500 | 1 | 936747000 | 10 | 3213782000 | 0.23131204916823855 | 0.4772098729783165 | 0.29147807785344493 | 1 BPH | 6 | 52193000 | 6 | 102341000 | 6 | 342508000 | 18 | 497042000 | 0.10500722272966873 | 0.20590010502130604 | 0.6890926722490253 | 1 BUH | 6 | 187647000 | 4 | 229489000 | 2 | 221504000 | 12 | 638640000 | 0.2938228109733183 | 0.359340160340724 | 0.34683702868595767 | 1 CAPITALBK | 1 | 69150020 | 6 | 844385210 | 0 | 0 | 7 | 913535230 | 0.07569496799811432 | 0.9243050320018857 | 0 | 1 SOGEBK | 7 | 2080407302 | 7 | 3998178183 | 0 | 0 | 14 | 6078585485 | 0.34225187868687185 | 0.6577481213131282 | 0 | 1 SOGEBL | 7 | 235730310 | 1 | 75635390 | 0 | 0 | 8 | 311365700 | 0.7570850289546986 | 0.24291497104530138 | 0 | 1 UNIBK | 9 | 3337704000 | 8 | 6149121000 | 0 | 0 | 17 | 9486825000 | 0.35182518914389166 | 0.6481748108561083 | 0 | 1 CBNA | 2 | 65458000 | 7 | 495504000 | 5 | 795024000 | 14 | 1355986000 | 0.04827335975445174 | 0.3654197019733242 | 0.586306938272224 | 1 SCOTIABK | 2 | 54012000 | 1 | 44550000 | 2 | 462008000 | 5 | 560570000 | 0.09635192750236367 | 0.0794726795939847 | 0.8241753929036516 | 1 [Non apparentés sept. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2014 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 807172000 | 5 | 1463639000 | 1 | 1178140000 | 11 | 3448951000 | 0.2340340584716918 | 0.42437222216262277 | 0.3415937193656854 | 1 BPH | 8 | 76137000 | 7 | 117733000 | 6 | 340386000 | 21 | 534256000 | 0.14251033212542302 | 0.22036813812105058 | 0.6371215297535264 | 1 BUH | 1 | 33168000 | 2 | 130533000 | 2 | 252370000 | 5 | 416071000 | 0.07971716365716429 | 0.3137277051272499 | 0.6065551312155858 | 1 CAPITALBK | 4 | 280073830 | 5 | 751688300 | 0 | 0 | 9 | 1031762130 | 0.2714519382485961 | 0.7285480617514039 | 0 | 1 SOGEBK | 6 | 1869211455 | 7 | 4003560114 | 0 | 0 | 13 | 5872771569 | 0.3182843795367107 | 0.6817156204632893 | 0 | 1 SOGEBL | 4 | 122658800 | 3 | 178547114 | 0 | 0 | 7 | 301205914 | 0.4072257359462072 | 0.5927742640537927 | 0 | 1 UNIBK | 8 | 3018748000 | 8 | 5327083000 | 0 | 0 | 16 | 8345831000 | 0.36170730032755277 | 0.6382926996724473 | 0 | 1 CBNA | 6 | 161979000 | 5 | 323317000 | 4 | 626030000 | 15 | 1111326000 | 0.14575291138693777 | 0.2909290343247616 | 0.5633180542883006 | 1 SCOTIABK | 1 | 25175000 | 2 | 75221000 | 2 | 517789000 | 5 | 618185000 | 0.040724055096775236 | 0.1216804031155722 | 0.8375955417876526 | 1 [Non apparentés juin 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2014 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 6 | 956102500 | 4 | 1379948000 | 1 | 1375804000 | 11 | 3711854500 | 0.2575808130410284 | 0.37176780501498646 | 0.37065138194398517 | 1 BPH | 7 | 60508000 | 8 | 133387000 | 8 | 436233000 | 23 | 630128000 | 0.09602493461645888 | 0.21168238834014677 | 0.6922926770433944 | 1 BUH | 1 | 18783000 | 2 | 116421000 | 2 | 225366000 | 5 | 360570000 | 0.05209252017638739 | 0.32288043930443466 | 0.625027040519178 | 1 CAPITALBK | 4 | 245223310 | 6 | 784515870 | 0 | 0 | 10 | 1029739180 | 0.23814118639246104 | 0.7618588136075389 | 0 | 1 SOGEBK | 7 | 2243937185 | 6 | 3516685009 | 0 | 0 | 13 | 5760622194 | 0.38953035096402994 | 0.6104696490359701 | 0 | 1 SOGEBL | 6 | 184614626 | 2 | 122450985 | 0 | 0 | 8 | 307065611 | 0.6012220821432199 | 0.39877791785678013 | 0 | 1 UNIBK | 7 | 2794933000 | 6 | 4111261000 | 0 | 0 | 13 | 6906194000 | 0.4046994625404383 | 0.5953005374595617 | 0 | 1 CBNA | 8 | 252666000 | 5 | 309401000 | 4 | 769098000 | 17 | 1331165000 | 0.18980817554548085 | 0.23242873723392668 | 0.5777630872205924 | 1 SCOTIABK | 2 | 55578000 | 1 | 44550000 | 2 | 527204000 | 5 | 627332000 | 0.08859423718222569 | 0.07101502872482195 | 0.8403907340929524 | 1 [Non apparentés mars 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2014 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 6 | 937491000 | 5 | 1276354000 | 1 | 1609063000 | 12 | 3822908000 | 0.24522980934932256 | 0.3338699231056567 | 0.4209002675450207 | 1 BPH | 9 | 77303000 | 9 | 173744000 | 6 | 320108000 | 24 | 571155000 | 0.1353450464409836 | 0.30419763461757315 | 0.5604573189414432 | 1 BUH | 0 | 0 | 2 | 120333000 | 0 | 0 | 2 | 120333000 | 0 | 1 | 0 | 1 CAPITALBK | 3 | 181318490 | 7 | 785771280 | 0 | 0 | 10 | 967089770 | 0.18748878917414255 | 0.8125112108258574 | 0 | 1 SOGEBK | 7 | 1966515369 | 8 | 4297521801 | 0 | 0 | 15 | 6264037170 | 0.3139373722777574 | 0.6860626277222426 | 0 | 1 SOGEBL | 7 | 173426563 | 3 | 153744093 | 0 | 0 | 10 | 327170656 | 0.5300798217062597 | 0.4699201782937404 | 0 | 1 UNIBK | 6 | 2329520000 | 7 | 4599670000 | 0 | 0 | 13 | 6929190000 | 0.3361893670111514 | 0.6638106329888486 | 0 | 1 CBNA | 6 | 144291000 | 7 | 382373000 | 4 | 848239000 | 17 | 1374903000 | 0.10494631257623264 | 0.27810907387648437 | 0.616944613547283 | 1 SCOTIABK | 2 | 54802000 | 1 | 44550000 | 2 | 527978000 | 5 | 627330000 | 0.08735753112396984 | 0.07101525512887953 | 0.8416272137471507 | 1 [Non apparentés déc. 13] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DÉCEMBRE 2013 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 6 | 888868000 | 5 | 1290177000 | 1 | 1849250000 | 12 | 4028295000 | 0.22065613367442058 | 0.3202786786965701 | 0.4590651876290093 | 1 BPH | 9 | 131606000 | 5 | 143377000 | 3 | 219729000 | 17 | 494712000 | 0.26602548553501837 | 0.28981912708808355 | 0.4441553873768981 | 1 BUH | 8 | 129362000 | 2 | 53707000 | 3 | 196516000 | 13 | 379585000 | 0 | 0 | 0 | 0 CAPITALBK | 7 | 453439100 | 3 | 406075030 | 0 | 0 | 10 | 859514130 | 0.52755281638011 | 0.47244718361989 | 0 | 1 SOGEBK | 5 | 1697231868 | 6 | 3125726039 | 1 | 779466640 | 12 | 5602424547 | 0.3029459573728374 | 0.5579238083043477 | 0.13913023432281488 | 1 SOGEBL | 7 | 183773710 | 2 | 92676250 | 0 | 0 | 9 | 276449960 | 0.6647630189564867 | 0.33523698104351324 | 0 | 1 UNIBK | 6 | 2091605000 | 8 | 5010051000 | 1 | 1022161000 | 15 | 8123817000 | 0.25746579471201775 | 0.6167114547262696 | 0.12582275056171255 | 0.9999999999999999 CBNA | 6 | 132898000 | 5 | 222917000 | 7 | 920941000 | 18 | 1276756000 | 0.10409036652265585 | 0.17459639899871235 | 0.7213132344786318 | 1 SCOTIABK | 2 | 52540000 | 1 | 44550000 | 2 | 524083000 | 5 | 621173000 | 0.08458191196333388 | 0.07171915070358821 | 0.8436989373330779 | 1 [Non apparentés sept. 13 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2013 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 7 | 818453500 | 5 | 1103273000 | 2 | 2351200000 | 14 | 4272926500 | 0.1915440155593596 | 0.2582007904886733 | 0.5502551939519671 | 1 BPH | 7 | 98725000 | 6 | 165900000 | 2 | 180898000 | 15 | 445523000 | 0.22159349797878 | 0.37237134783164955 | 0.4060351541895705 | 1 BUH | 5 | 78191820 | 2 | 51018829 | 0 | 0 | 7 | 129210649 | 0.6051499671671798 | 0.39485003283282016 | 0 | 1 CAPITALBK | 9 | 528081050 | 4 | 425166050 | 0 | 0 | 13 | 953247100 | 0.5539812814536755 | 0.44601871854632447 | 0 | 1 SOGEBK | 5 | 1408727705 | 6 | 3159970620 | 1 | 816660703 | 12 | 5385359028 | 0.2615847332880923 | 0.5867706504933881 | 0.15164461621851966 | 1 SOGEBL | 6 | 147806581 | 3 | 134909608 | 0 | 0 | 9 | 282716189 | 0.5228090457883189 | 0.4771909542116812 | 0 | 1 UNIBK | 6 | 2176665000 | 8 | 5254876000 | 0 | 0 | 14 | 7431541000 | 0.29289551117325463 | 0.7071044888267454 | 0 | 1 CBNA | 5 | 119947000 | 6 | 290928000 | 5 | 676619000 | 16 | 1087494000 | 0.11029670048754292 | 0.26752147598055714 | 0.6221818235319 | 1 SCOTIABK | 3 | 69873000 | 1 | 44550000 | 2 | 528614000 | 6 | 643037000 | 0.10866093241912984 | 0.06928061682298219 | 0.822058450757888 | 1 [Secteur d'activité mars.19 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2019 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.006984903784497157 | 0.0004216015974986153 | 0.02295945511783592 | 0 | 0 | 0 | #DIV/0! | 0.0007655951320740723 200 | Industrie alimentaire | 0.046521435188543375 | 0.0008776333140608267 | 0.0443711135184841 | 0.01013257004839647 | 0.042388285342997094 | 0.05323486276795954 | 0.0029302635018359393 | 0.20175657380153808 | #DIV/0! | 0.0742988577501342 210 | Industrie des boissons | 0 | 0 | 0.035342280791475104 | 0.03676770672080571 | 0.10161216906573071 | 0.03751953908598292 | 0 | 0 | #DIV/0! | 0.05109252814928166 220 | Industrie du bois | 0.002503921574979849 | 0 | 6.816435517922808e-06 | 0.00033085491838038726 | 2.244410319885634e-05 | 0.002648609558668285 | 0 | 0 | #DIV/0! | 0.00029147234150428566 230 | Industrie chimique | 1.537495703934995e-06 | 0 | 0.0009451858363371886 | 0.012844141447551393 | 0.0004178416013495281 | 0.0008418187689168934 | 0 | 0.193844551299517 | #DIV/0! | 0.004429234193815048 240 | Industrie du textile | 0.000759413056622178 | 0 | 0.027312249501854836 | 0.02962669559481265 | 0.0018132043602822404 | 0.016387861425360122 | 0 | 0.039867242923235145 | #DIV/0! | 0.019463213844529263 250 | Industrie pharmacie | 0 | 0 | 0.001293578938678159 | 0 | 0.0006900029256677874 | 0.013480090042708235 | 0 | 0 | #DIV/0! | 0.0020756109507895806 260 | Imprimerie, édition | 0.00022749445362152445 | 0 | 0.0002917748523149431 | 0.0025362676903994902 | 0.0029274129803170223 | 0.0050793990826424554 | 0 | 0 | #DIV/0! | 0.003040037681975695 270 | Sidérurgie, aciérie | 0.0010584010604766797 | 0 | 0.006839371967374083 | 0.007835667414739005 | 0 | 0.03182969852509902 | 0 | 0 | #DIV/0! | 0.010885899304201292 280 | Industrie de la fabrication | 0.0023289765280963886 | 0.0019339100526418278 | 0.023220725978241995 | 0.03631192131297896 | 0.0168881114328742 | 0.02390228551425584 | 0 | 0 | #DIV/0! | 0.027382441168277937 290 | Autres industries | 0 | 0 | 0.003116654843536122 | 9.721932910625789e-05 | 0.007153237127102897 | 0.009761299657670586 | 0 | 0 | #DIV/0! | 0.024308847310698427 300 | Production et distribution de l'électricité | 0.045884582503749154 | 0 | 0.026410139789269187 | 0.06126236301632865 | 0 | 0.0004576385701328483 | 0 | 0.21528311178546977 | #DIV/0! | 0.012333304350819608 400 | Production et distribution de gaz | 0 | 0 | 0.0005160295419361865 | 0.014440169592536432 | 0.0010762129379055412 | 0.01564874786645513 | 0 | 0 | #DIV/0! | 0.001190595406671811 500 | Traitement et distribution de l'eau | 0 | 0 | 0.03436633841136096 | 0.001156359395576123 | 0.0009699637477326897 | 0.0010077108233756582 | 0 | 0 | #DIV/0! | 0.004489361560049613 600 | Entrep/ batiment et corps/ métiers corresp. | 0.05323123117219825 | 0.08561185399310632 | 0.09721475997615961 | 0.09910671234255838 | 0.048419852590467265 | 0.11835940839729804 | 0 | 0 | #DIV/0! | 0.06408563722825225 700 | Commerce de gros(1) | 0.12669014019929128 | 0.2164237274738085 | 0.19496799095899406 | 0.16345168399249607 | 0.15610512818359823 | 0.18804917258361287 | 0 | 0.04669335258319906 | #DIV/0! | 0.2254000873251844 800 | Commerce de détail(2) | 0.018515841120245728 | 0.30816203290078154 | 0.07925455608194938 | 0.16831628541758337 | 0.1954186496256808 | 0.11194755715074563 | 0 | 0.05900892823338956 | #DIV/0! | 0.13286658506723897 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006486859106584309 | 2.4884968425223322e-05 | 0.0007665464150840217 | 9.721279706916596e-05 | 0.0006154382731019504 | 0.002363455990850842 | 0 | 0 | #DIV/0! | 0.0006066103008250327 1000 | Hotels,motels et pensions | 0.05206591924973724 | 0 | 0.004117357711294149 | 0.022087985881253307 | 0.001143881378248014 | 0.029392343395479522 | 0.03606761995547635 | 0 | #DIV/0! | 0.023513703452789896 1100 | Transport | 0.10899252134634325 | 0.10284072744449527 | 0.019164043785720564 | 0.008732444309485783 | 0.037126993310807176 | 0.007627459533835197 | 0 | 0 | #DIV/0! | 0.012975550864719224 1200 | Immobilier résidentiel | 0.11204604272491901 | 0.19556703594209024 | 0.11453362026197425 | 0.012904932313433344 | 0.06998959068145998 | 0.0329710069593323 | 0.8100673311859027 | 0 | #DIV/0! | 0.0758613042792572 1300 | Immobilier commercial | 0.18541682030184006 | 0.04387979278698162 | 0.11533433408425728 | 0.1327909372052631 | 0.11748184279861773 | 0.016181344057282936 | 0.11682085102926863 | 0 | #DIV/0! | 0.09450387009627269 1400 | Télécommunications | 0.0004977093235880998 | 0 | 0.0023683638949649147 | 0.000983727453292213 | 0.03967214133691987 | 0.003002447584317244 | 0 | 0 | #DIV/0! | 0.005783855406133345 1500 | Services financiers | 0.01852226565586574 | 0 | 0.04444547791557527 | 0.041144029908840266 | 0.04743946246740317 | 0.17645382460343056 | 0 | 0.24354623937365147 | #DIV/0! | 0.030953950806659566 1510 | Services professionnels | 0.045027758112170524 | 0.018046564322018423 | 0.015989037524408518 | 0.003438447341892283 | 0.006846342907033737 | 0.030106995094146962 | 0 | 0 | #DIV/0! | 0.010825050967332635 1520 | Services médicaux | 0.00012843580183942693 | 0 | 0.00036012902799603273 | 0.00012774895458424017 | 0.00010366551434540365 | 0.003737903688092699 | 0 | 0 | #DIV/0! | 0.0011785698792103217 1530 | Services d'agence ou de représentation | 6.907748555536514e-05 | 0.0006830585423604155 | 0.0012270011495988421 | 0.0008621649366040917 | 0.0005095220525708091 | 0.0010424383580016944 | 0 | 0 | #DIV/0! | 0.0006490263605656938 1540 | Services d'enseignement | 0.0025278076689516965 | 0 | 0.001605079332524998 | 0.001375460848502046 | 0.0001991008304978064 | 0.0007319122239852245 | 0 | 0 | #DIV/0! | 0.0028936600845032804 1550 | Autres services | 0.011025875887965544 | 0.007141270649538743 | 0.0024383372524692387 | 0.016856279997944024 | 0.010442362089009121 | 0.04457095995315128 | 0 | 0 | #DIV/0! | 0.023355666974174315 1560 | Crédit à la consommation | 0.1594589508689404 | 0.01880750760969107 | 0.09519620043615105 | 0.11396040822008807 | 0.06956768521724441 | 0.021662208737209424 | 0.034113934327516506 | 0 | #DIV/0! | 0.05849987176205859 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.999989017887829 | 1 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.024996929356023167 | 0.03388584113665175 | 0.08748438583115746 | 0.0382962232958122 | 0.04173933620434036 | 0.018404600253421714 | 0 | 0 | #DIV/0! | 0.04512582928669867 Produits pétroliers | 0 | 0 | 0.01862191524690388 | 0.029188983081645477 | 1.4857189709222868e-05 | 0.011714171469486799 | 0 | 0 | #DIV/0! | 0.026074385680376875 Produits pharmaceutiques | 0 | 0 | 0.0011674900516183567 | 0.002394996847481722 | 0.002389828225268846 | 0.0018651228828388193 | 0 | 0 | #DIV/0! | 0.0017438574688723486 Produits alimentaires | 0.013762132330677822 | 0.008379139270402966 | 0.05817693980196441 | 0.056009781613411844 | 0.05097979142310112 | 0.08768217374575753 | 0 | 0 | #DIV/0! | 0.049158191134961796 Matériaux de construction | 0 | 0.0972490997035674 | 0.0054314559737491976 | 0.006479230770448512 | 0.03458387945524296 | 0.01004647947035307 | 0 | 0 | #DIV/0! | 0.05833401357954576 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.08793108547471251 | 0.07690964689872748 | 0.024085804053600748 | 0.031082468410913146 | 0.026397435422510388 | 0.003469168798110232 | 0 | 0.04669335258319906 | #DIV/0! | 0.044832690568225524 S-Total | 0.1266901471614135 | 0.2164237270093496 | 0.19496799095899403 | 0.16345168401971288 | 0.1561051279201729 | 0.13318171661996817 | - | 0.04669335258319906 | #DIV/0! | 0.225268967718681 (2) Commerce de détail Produits pétroliers | 0.0017056185227159225 | 0.0035638917768418266 | 0.004148444450347362 | 0.0014462807047499026 | 0.004301962765814699 | 0.003740304773184614 | 0 | 0 | #DIV/0! | 0.002291940959462693 Produits pharmaceutiques | 0.00013711215751116345 | 0 | 7.371418249181061e-05 | 7.415342694407755e-05 | 3.272954596829972e-05 | 0.004427152094865452 | 0 | 0 | #DIV/0! | 7.016561637524103e-05 Véhicules automobiles | 0.012638330700280422 | 0 | 0.02148655795163466 | 0.062198953439221695 | 0.13338576630516477 | 0.05614563063750223 | 0 | 0 | #DIV/0! | 0.03146258750817694 Produits alimentaires | 3.038396868604464e-05 | 0 | 0.04508363647393083 | 0.013830409046767729 | 0.011867344130809126 | 0.007722665845196172 | 0 | 0 | #DIV/0! | 0.022564783579663145 Librairie ,papeterie | 5.1943665827944456e-05 | 0 | 0 | 0.0007792018056677788 | 0.0009953845573803797 | 0 | 0 | 0 | #DIV/0! | 0.0009903520984834685 Appareils électro- ménagers électroni.équip. inform. | 1.646644171274166e-06 | 0 | 0.003349234363797767 | 0.006151586620467018 | 0.007987945129158272 | 0.02837600294956363 | 0 | 0.05382077794636744 | #DIV/0! | 0.021427657112564898 Matériaux de construction | 0.0015926765966192775 | 0 | 0 | 0.005122828364919108 | 0.013569803157054028 | 5.76106793581318e-06 | 0 | 0 | #DIV/0! | 0.01129155070324652 Autres | 0.0023581434878293213 | 0.3045981411239396 | 0.0048487310424090106 | 0.07871287203606286 | 0.023277714297756588 | 0.011528354167176126 | 0 | 0.005188150287022118 | #DIV/0! | 0.04263643786962351 S-Total | 0.01851585574364137 | 0.3081620329007815 | 0.07899031846461144 | 0.16831628544480015 | 0.19541864988910612 | 0.11194587153542403 | - | 0.05900892823338956 | #DIV/0! | 0.1327354754475964 [Secteur d'activité mars 19 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2019 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 2644409 | 722851.63643 | 3883759.37272 | 12189813.306 | 13344341.33 | 3280605.989 | 0 | 87607.294 | 0 | 36153387.92815 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2474096 | 35683.02319 | 1004836.09367 | 3159418.581 | 2554794.96 | 3153788.4469999997 | 166765.37 | 201853.98868 | 0 | 12751236.463539999 Industries Manufacturières ( 200 à 290 ) | 972712 | 3874.15915 | 2021594.7165899999 | 5014657.788000001 | 6601973.17 | 2128977.543 | 13548.62 | 360921.307 | 0 | 17118259.30374 Prêts aux Particuliers ( 1560 ) | 2903976 | 25915.75807 | 1348244.84595 | 4187131.455 | 2640888.03 | 236886.488 | 157732.14 | 0 | 0 | 11500774.71702 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5417225 | 329945.15874999994 | 3255574.10145 | 5353155.255 | 7116681.59 | 537504.183 | 4285640.4399999995 | 0 | 0 | 26295725.728199996 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1993974 | 141709.12316 | 304959.20576000004 | 356991.424 | 2915404.1100000003 | 116243.057 | 0 | 0 | 0 | 5829280.919920001 Bâtiments et Travaux Publics ( 600 ) | 969417 | 117968.64008 | 1376833.3030899998 | 3641377.204 | 1838086.3 | 1294316.056 | 0 | 0 | 0 | 9237998.50317 Électricité, Gaz et Eau ( 300 à 500 ) | 835624 | 0 | 868073.59202 | 2823948.1530000004 | 77675.76999999999 | 187150.74 | 0 | 178429.176 | 0 | 4970901.43102 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 98925.80254 | 15490.479 | 871573.49 | 0 | 0 | 0 | 0 | 985989.77154 Total | 18211433 | 1377947.4988299997 | 14162801.03379 | 36741983.644999996 | 37961418.75000001 | 10935472.503 | 4623686.569999999 | 828811.76568 | 0 | 124843554.76630001 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.14520598131953702 | 0.52458576037459 | 0.2742225470409434 | 0.3317679694100795 | 0.351523777809279 | 0.2999967297343585 | 0 | 0.10570228081658861 | #DIV/0! | 0.2895895426546214 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13585399896866984 | 0.02589577848234281 | 0.07094896632895106 | 0.08598933066668943 | 0.06729977551221 | 0.28839983330713875 | 0.03606761995547635 | 0.24354623937365147 | #DIV/0! | 0.10213772338836061 Industries Manufacturières ( 200 à 290 ) | 0.053412161470214894 | 0.002811543366702655 | 0.14273975266381442 | 0.13648304447717036 | 0.1739127089395203 | 0.1946854644292639 | 0.0029302635018359393 | 0.4354683680242902 | #DIV/0! | 0.13711768569698612 Prêts aux Particuliers ( 1560 ) | 0.1594589508689404 | 0.018807507609691073 | 0.09519620043615104 | 0.1139604082200881 | 0.0695676852172444 | 0.021662208737209424 | 0.034113934327516506 | 0 | #DIV/0! | 0.09212149348477613 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.29746286302675906 | 0.23944682872907191 | 0.2298679543462315 | 0.14569586951869648 | 0.18747143348007766 | 0.04915235101661523 | 0.9268881822151712 | 0 | #DIV/0! | 0.21062942157826323 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.10949023066993135 | 0.10284072744449528 | 0.02153240768068548 | 0.009716171762777998 | 0.07679913464772703 | 0.010629907118152442 | 0 | 0 | #DIV/0! | 0.0466926861449282 Bâtiments et Travaux Publics ( 600 ) | 0.05323123117219825 | 0.08561185399310633 | 0.0972147599761596 | 0.0991067123425584 | 0.04841985259046725 | 0.11835940839729804 | 0 | 0 | #DIV/0! | 0.0739965993475835 Électricité, Gaz et Eau ( 300 à 500 ) | 0.045884582503749154 | 0 | 0.06129250774256633 | 0.07685889200444122 | 0.0020461766856382305 | 0.017114097259963636 | 0 | 0.21528311178546977 | #DIV/0! | 0.03981704494337127 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.006984903784497156 | 0.00042160159749861544 | 0.022959455117835915 | 0 | 0 | 0 | #DIV/0! | 0.007897802761109426 Total | 1 | 1 | 1 | 1 | 0.9999999999999998 | 1 | 1 | 1 | #DIV/0! | 0.9999999999999999 [Secteur d' activité déc 18 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2018 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 85451.58 | 13631.7 | 371263.32 | 0 | 0 | 0 | 0 | 470346.6 200 | Industrie alimentaire | 947855 | 1209.33 | 656375.17 | 327363.49 | 1777830.06 | 678263.01 | 13959.01 | 160792.12 | 0 | 4563647.1899999995 210 | Industrie des boissons | 301 | 0 | 332710.03 | 923382.98 | 2342886.51 | 254212.72 | 0 | 0 | 0 | 3853493.2399999998 220 | Industrie du bois | 44108 | 0 | 151.4 | 13169.7 | 0 | 28924.59 | 0 | 0 | 0 | 86353.69 230 | Industrie chimique | 69 | 0 | 14442.52 | 450314.1 | 40093.41 | 8715.5 | 0 | 154486.55 | 0 | 668121.0800000001 240 | Industrie du textile | 20874 | 0 | 385158.33 | 1054237.63 | 25846.23 | 267535.92 | 0 | 30522.4 | 0 | 1784174.5099999998 250 | Industrie pharmacie | 0 | 0 | 20136.61 | 0 | 33873.61 | 137004.51 | 0 | 0 | 0 | 191014.73 260 | Imprimerie, édition | 835 | 0 | 7425.7 | 35778.17 | 74498.77 | 54710.82 | 0 | 0 | 0 | 173248.46 270 | Sidérurgie, aciérie | 284880 | 0 | 110999.64 | 305594.57 | 0 | 296445.9 | 0 | 0 | 0 | 997920.11 280 | Industrie de la fabrication | 44207 | 2701.47 | 332458.91 | 1092169.02 | 542254.65 | 250013.37 | 0 | 0 | 0 | 2263804.42 290 | Autres industries | 0 | 0 | 50267.35 | 4884.03 | 1776111.37 | 77631.26 | 0 | 0.02 | 0 | 1908894.03 300 | Production et distribution de l'électricité | 756972 | 0 | 392726.45 | 2410727.7 | 0 | 4528.05 | 0 | 187712.76 | 0 | 3752666.96 400 | Production et distribution de gaz | 0 | 0 | 6755.41 | 502833.71 | 17974 | 164044.42 | 0 | 0 | 0 | 691607.54 500 | Traitement et distribution de l'eau | 0 | 0 | 433031.46 | 46263.46 | 40208.22 | 10823.12 | 0 | 0 | 0 | 530326.26 600 | Entrep/ batiment et corps/ métiers corresp. | 981941 | 111145.95 | 1053480.77 | 3423248.31 | 1807517.45 | 1252974.37 | 0 | 0 | 0 | 8630307.85 700 | Commerce de gros(1) | 1523898 | 301180.99 | 2406135.19 | 4915019.81 | 6489161.3 | 2119434.57 | 0 | 41544 | 0 | 17796373.86 800 | Commerce de détail(2) | 385740 | 393656.51 | 899238.21 | 6016129.43 | 7390252.13 | 1167814.21 | 0 | 45821.24 | 0 | 16298651.729999999 900 | Rest/débits/boissons, casinos/activités/loterie | 112001 | 34.29 | 11011.46 | 3965.65 | 24633.75 | 18456.88 | 0 | 0 | 0 | 170103.03 1000 | Hotels,motels et pensions | 941288 | 0 | 55431.55 | 789095.19 | 41733.79 | 298289.77 | 131871.76 | 0 | 0 | 2257710.0599999996 1100 | Transport | 1848966 | 139147.91 | 232260.49 | 187752.5 | 1380085.92 | 77845.32 | 0 | 0 | 0 | 3866058.1399999997 1200 | Immobilier résidentiel / Avance Hypothécaire | 2023812 | 294176.74 | 1570170.09 | 456282.43 | 2672425.39 | 341428.31 | 3194888.67 | 0 | 0 | 10553183.629999999 1300 | Immobilier commercial | 3275054 | 61192.82 | 1647514.99 | 4825066.25 | 4519706.89 | 172711.56 | 906743.77 | 0 | 0 | 15407990.28 1400 | Télécommunications | 15912 | 0 | 29108.84 | 34155.36 | 1517503.51 | 31503.23 | 0 | 0 | 0 | 1628182.94 1500 | Services financiers | 382649 | 0 | 647670.19 | 1661013.39 | 3031108.98 | 2056857.28 | 0 | 188129.07 | 0 | 7967427.910000001 1510 | Services professionnels | 790631 | 24852.58 | 197478.08 | 131996.57 | 374705.36 | 329623.94 | 0 | 0 | 0 | 1849287.5299999998 1520 | Services médicaux | 2586 | 0 | 4765 | 4753.77 | 12119.72 | 43780.31 | 0 | 0 | 0 | 68004.79999999999 1530 | Services d'agence ou de représentation | 1395 | 941.22 | 16908.94 | 22027.73 | 18955.7 | 10655.99 | 0 | 0 | 0 | 70884.58 1540 | Services d'enseignement | 47458 | 0 | 22831.19 | 62632.94 | 3998.31 | 9417.5 | 0 | 0 | 0 | 146337.94 1550 | Autres services | 130184 | 25646.29 | 24365.08 | 685183.47 | 433921.02 | 773896.05 | 0 | 0 | 0 | 2073195.91 1560 | Crédit à la consommation | 2931567 | 27386.3 | 1376394.91 | 4196938.87 | 2761741.39 | 229367.62 | 330295.86 | 83.33 | 0 | 11853775.28 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 17495183 | 1383272.4000000001 | 13022855.54 | 34595611.93 | 39522410.760000005 | 11166910.1 | 4577759.07 | 809091.4900000001 | 0 | 122573094.28999998 (1) Commerce de gros Import-export | 179460 | 46815.21 | 1059764.71 | 1420083.66 | 2515715.27 | 223844 | 0 | 5445682.85 Produits pétroliers | 0 | 175541.18 | 73444.99 | 771.78 | 129506 | 0 | 379263.94999999995 Produits pharmaceutiques | 0 | 16003.95 | 101796.69 | 103744.7 | 19047 | 0 | 240592.34 Produits alimentaires | 393536 | 24673.3 | 762344.16 | 1981283.24 | 2086572.79 | 974512 | 0 | 6222921.49 Matériaux de construction | 125870.14 | 59636.69 | 246261.32 | 871125.2 | 735076 | 0 | 2037969.35 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 950902 | 103822.34 | 332844.5 | 1092149.91 | 911231.56 | 37449 | 41544 | 0 | 3469943.31 S-Total | 1523898 | 301180.99 | 2406135.19 | 4915019.81 | 6489161.300000001 | 2119434 | 0 | 41544 | 0 | 17796373.29 (2) Commerce de détail Produits pétroliers | 31709 | 5065.92 | 60329.76 | 99684.54 | 184879.51 | 55298 | 436966.73 Produits pharmaceutiques | 2755 | 972.43 | 3587.23 | 1660.32 | 46807 | 0 | 55781.979999999996 Véhicules automobiles | 276303 | 169622.03 | 2075517.3 | 4895130.75 | 588929 | 0 | 8005502.08 Produits alimentaires | 828 | 539806.91 | 462975.24 | 476761.94 | 89658 | 0 | 1570030.09 Librairie ,papeterie | 1022 | 0 | 30879.59 | 40544.69 | 0 | 0 | 72446.28 Appareils électro- ménagers électroni.équip. inform. | 49 | 44634.75 | 205122.1 | 305308.76 | 272919 | 41205.24 | 0 | 869238.85 Matériaux de construction | 27797 | 0 | 188632.76 | 427752.11 | 443 | 0 | 644624.87 Autres | 45276 | 388590.59 | 83872.33 | 2949730.67 | 1058214.05 | 113760 | 4616 | 0 | 4644059.64 S-Total | 385739 | 393656.51 | 899238.21 | 6016129.43 | 7390252.130000001 | 1167814 | 0 | 45821.24 | 0 | 16298650.519999996 [Secteur d'activité déc. 18 (%)] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU31 DECEMBRE 2018 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.006561662281942199 | 0.0003940297407538876 | 0.009393741749573374 | 0 | 0 | 0 | #DIV/0! | 0.0038372744257168744 200 | Industrie alimentaire | 0.05417805575397525 | 0.0008742529670945504 | 0.05040178538293147 | 0.009462572613612965 | 0.04498283444286534 | 0.06073864694227278 | 0.003049310762438181 | 0.19873169102297686 | #DIV/0! | 0.037232046856895906 210 | Industrie des boissons | 0 | 0 | 0.02554816253455884 | 0.02669075436122803 | 0.05927994939952391 | 0.022764821935837024 | 0 | 0 | #DIV/0! | 0.031438328797369554 220 | Industrie du bois | 0.0025211511077077617 | 0 | 1.1625714462928e-05 | 0.00038067544596832924 | 0 | 0.0025902053245687004 | 0 | 0 | #DIV/0! | 0.0007045077102785117 230 | Industrie chimique | 3.943942741267697e-06 | 0 | 0.0011090133001659635 | 0.01301650917206366 | 0.0010144474800251279 | 0.0007804755229470327 | 0 | 0.1909382954948642 | #DIV/0! | 0.005450797206924295 240 | Industrie du textile | 0.001193128417119158 | 0 | 0.02957556649668557 | 0.03047316035724765 | 0.0006539639030865636 | 0.02395791831439567 | 0 | 0.03772428752155087 | #DIV/0! | 0.014556004483159728 250 | Industrie pharmacie | 0 | 0 | 0.0015462515066799246 | 0 | 0.000857073476759746 | 0.012268793137324534 | 0 | 0 | #DIV/0! | 0.0015583740551419185 260 | Imprimerie, édition | 4.772742302838444e-05 | 0 | 0.0005702052040116541 | 0.0010341823139996124 | 0.0018849753486039624 | 0.004899369611652914 | 0 | 0 | #DIV/0! | 0.0014134297661614497 270 | Sidérurgie, aciérie | 0.016283339248294802 | 0 | 0.008523448613789968 | 0.00883333327412544 | 0 | 0.026546815309277008 | 0 | 0 | #DIV/0! | 0.008141428718760953 280 | Industrie de la fabrication | 0.002526809808162624 | 0.0019529559036961914 | 0.025528879513317553 | 0.03156958235656796 | 0.013720181526699966 | 0.022388768939762486 | 0 | 0 | #DIV/0! | 0.018469015840001442 290 | Autres industries | 0 | 0 | 0.003859933011281795 | 0.00014117484060933042 | 0.04493934797615063 | 0.0069519015828738515 | 0 | 2.4719083375849123e-08 | #DIV/0! | 0.015573515876850436 300 | Production et distribution de l'électricité | 0.04326745253250566 | 0 | 0.03015670785825211 | 0.06968304838422322 | 0 | 0.000405488175283152 | 0 | 0.23200436825753784 | #DIV/0! | 0.030615747948089113 400 | Production et distribution de gaz | 0 | 0 | 0.0005187349256275326 | 0.014534609505315954 | 0.0004547799502704222 | 0.014690224827725622 | 0 | 0 | #DIV/0! | 0.005642409078485867 500 | Traitement et distribution de l'eau | 0 | 0 | 0.03325165196449688 | 0.0013372638152378536 | 0.0010173524141572378 | 0.0009692134980114151 | 0 | 0 | #DIV/0! | 0.004326612321177783 600 | Entrep/ batiment et corps/ métiers corresp. | 0.056126363468161494 | 0.08035000915221036 | 0.08089475973715671 | 0.09895036159286691 | 0.04573398776142874 | 0.11220421394813594 | 0 | 0 | #DIV/0! | 0.07040948015541855 700 | Commerce de gros(1) | 0.08710386167438203 | 0.21773078823809394 | 0.18476248796659847 | 0.1420706134623357 | 0.1641894098871007 | 0.18979597319405303 | 0 | 0.0513464799883138 | #DIV/0! | 0.1451898882302419 800 | Commerce de détail(2) | 0.02204835468140002 | 0.28458350647348996 | 0.06905077056548536 | 0.1738986274378642 | 0.18698890042101265 | 0.10457809721240614 | 0 | 0.05663295259723964 | #DIV/0! | 0.13297087606712815 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006401819289343815 | 2.4789043719805292e-05 | 0.0008455488096430193 | 0.000114628699386038 | 0.0006232856125500173 | 0.001652818893921247 | 0 | 0 | #DIV/0! | 0.0013877680985808132 1000 | Hotels,motels et pensions | 0.05380269529046938 | 0 | 0.004256481985056252 | 0.022809112080359722 | 0.0010559525392676223 | 0.026711934396248076 | 0.028807055588445374 | 0 | #DIV/0! | 0.018419295629907198 1100 | Transport | 0.10568429035580823 | 0.10059328155466703 | 0.01783483578441046 | 0.005427061107631056 | 0.03491907233039444 | 0.006971070717225529 | 0 | 0 | #DIV/0! | 0.03154083824344972 1200 | Immobilier résidentiel | 0.11567824126218057 | 0.21266725194545916 | 0.12057033767879761 | 0.013189026137859097 | 0.0676179751844672 | 0.030575003017173034 | 0.6979154256801025 | 0 | #DIV/0! | 0.08609706470354621 1300 | Immobilier commercial | 0.18719747029796716 | 0.04423772208568608 | 0.1265095036138288 | 0.13947046983192357 | 0.11435807692617582 | 0.015466369698812208 | 0.19807590485534224 | 0 | #DIV/0! | 0.12570450610919306 1400 | Télécommunications | 0.0009095074912906026 | 0 | 0.002235211771380826 | 0.0009872743418763397 | 0.03839602597156955 | 0.0028211232756319943 | 0 | 0 | #DIV/0! | 0.013283363281568343 1500 | Services financiers | 0.021871677478309315 | 0 | 0.04973334673111179 | 0.04801225639138449 | 0.07669342334419885 | 0.18419215893929333 | 0 | 0.23251890833754782 | #DIV/0! | 0.06500144225085469 1510 | Services professionnels | 0.04519135352856841 | 0.017966511874306174 | 0.015163961497802194 | 0.003815413650351928 | 0.009480832590790064 | 0.029517918300425827 | 0 | 0 | #DIV/0! | 0.015087222368921401 1520 | Services médicaux | 0.00014781211491185888 | 0 | 0.00036589517447722534 | 0.00013740962320940223 | 0.0003066543706960855 | 0.00392053930836248 | 0 | 0 | #DIV/0! | 0.0005548101758702857 1530 | Services d'agence ou de représentation | 7.973623368215125e-05 | 0.0006804299717105611 | 0.0012984049426075412 | 0.0006367203460534366 | 0.00047961902210643385 | 0.0009542469586103321 | 0 | 0 | #DIV/0! | 0.000578304565211446 1540 | Services d'enseignement | 0.002712632385725831 | 0 | 0.0017531631161747496 | 0.0018104301819181611 | 0.0001011656405344237 | 0.0008433398241470575 | 0 | 0 | #DIV/0! | 0.00119388305278297 1550 | Autres services | 0.007441133939553533 | 0.018540303413846757 | 0.0018709475756036838 | 0.019805502252319893 | 0.010979113157721758 | 0.0693026130836318 | 0 | 0 | #DIV/0! | 0.01691395588900573 1560 | Crédit à la consommation | 0.1675642375389843 | 0.019798197376019355 | 0.10569071474166103 | 0.12131419668170616 | 0.0698778575722692 | 0.020539936109989818 | 0.07215230311367173 | 0.00010299206088547536 | #DIV/0! | 0.09670780809330584 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999827952642737 | 1 | 1.0000000000000002 | 1 | 0.9999999999999998 | 1.0000000000000002 | 0.9999999999999999 | 1 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.0102576806427232 | 0.03384381124064934 | 0.0813772913893507 | 0.04104808618137369 | 0.0636528800147514 | 0.020045294355866626 | 0 | 0 | #DIV/0! | 0.04442804419309076 Produits pétroliers | 0 | 0 | 0.013479469188675344 | 0.002122956811650188 | 1.952765494712954e-05 | 0.011597299417678664 | 0 | 0 | #DIV/0! | 0.0030941859810007413 Produits pharmaceutiques | 0 | 0 | 0.0012289125031636496 | 0.002942474039943944 | 0.0026249588019817438 | 0.001705664309055376 | 0 | 0 | #DIV/0! | 0.0019628478940963514 Produits alimentaires | 0.022493963052572813 | 0.017836906165408922 | 0.058538940070282014 | 0.057269784503563195 | 0.052794673955258484 | 0.08726782890461346 | 0 | 0 | #DIV/0! | 0.050769065805559024 Matériaux de construction | 0 | 0.09099447079259297 | 0.004579386588204449 | 0.007118281951430133 | 0.02204129715896915 | 0.06582626647992805 | 0 | 0 | #DIV/0! | 0.016626563617446886 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.054352217979086015 | 0.07505560003944269 | 0.02555848822692231 | 0.03156902997437455 | 0.02305607230119279 | 0.0033535686832474815 | 0 | 0.0513464799883138 | #DIV/0! | 0.028309176088761694 S-Total | 0.08710386167438203 | 0.21773078823809394 | 0.18476248796659844 | 0.1420706134623357 | 0.16418940988710068 | 0.18979592215038965 | - | 0.0513464799883138 | #DIV/0! | 0.14518988357995544 (2) Commerce de détail Produits pétroliers | 0.0018124417446790926 | 0.0036622721598435705 | 0.004632606098923217 | 0.0028814214993999675 | 0.004677839900067877 | 0.00495195174894441 | 0 | 0 | #DIV/0! | 0.0035649481848452408 Produits pharmaceutiques | 0.00015747191669844207 | 0 | 7.467102718087894e-05 | 0.00010369031792986701 | 4.200958312189759e-05 | 0.0041915802653412606 | 0 | 0 | #DIV/0! | 0.00045509155433429344 Véhicules automobiles | 0.01579309001797809 | 0 | 0.01302494905813875 | 0.05999365769854154 | 0.12385708907601059 | 0.052738760742777 | 0 | 0 | #DIV/0! | 0.06531206645611395 Produits alimentaires | 4.7327312895212354e-05 | 0 | 0.041450733162321486 | 0.013382484487823887 | 0.012063078411262378 | 0.00802889959685446 | 0 | 0 | #DIV/0! | 0.01280892922785657 Librairie ,papeterie | 5.841607944312443e-05 | 0 | 0 | 0.0008925868998207369 | 0.0010258658118354113 | 0 | 0 | 0 | #DIV/0! | 0.0005910455342556402 Appareils électro- ménagers électroni.équip. inform. | 2.800770932204596e-06 | 0 | 0.0034274165034621894 | 0.0059291363429281015 | 0.007724952859125641 | 0.024439974671238734 | 0 | 0.05092778815409366 | #DIV/0! | 0.007091595876199693 Matériaux de construction | 0.00158883733882635 | 0 | 0 | 0.005452505375007541 | 0.010823026778339165 | 3.9670776968106875e-05 | 0 | 0 | #DIV/0! | 0.0052591057909891666 Autres | 0.0025879123413570467 | 0.2809212343136464 | 0.00644039471545885 | 0.08526314481641256 | 0.026775038001249696 | 0.010187240604721981 | 0 | 0.005705164443145978 | #DIV/0! | 0.03788808357087287 S-Total | 0.022048297522809568 | 0.28458350647348996 | 0.06905077056548536 | 0.17389862743786422 | 0.18698890042101265 | 0.10457807840684595 | - | 0.05663295259723964 | #DIV/0! | 0.13297086619546744 [Secteur d'activité déc 18 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2018 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1909638 | 694837.5 | 3305373.4 | 10931149.239999998 | 13879413.43 | 3287248.78 | 0 | 87365.23999999999 | 0 | 34095025.59 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2408192 | 51474.380000000005 | 980461.4899999998 | 3360668.71 | 3941176.6300000004 | 3540977.7200000007 | 131871.76 | 188129.07 | 0 | 14602951.760000002 Industries Manufacturières ( 200 à 290 ) | 1343129 | 3910.7999999999997 | 1910125.6600000001 | 4206893.69 | 6613394.61 | 2053457.6000000003 | 13959.01 | 345801.09 | 0 | 16490671.46 Prêts aux Particuliers ( 1560 ) | 2931567 | 27386.3 | 1376394.91 | 4196938.87 | 2761741.39 | 229367.62 | 330295.86 | 83.33 | 0 | 11853775.28 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5298866 | 355369.56 | 3217685.08 | 5281348.68 | 7192132.279999999 | 514139.87 | 4101632.44 | 0 | 0 | 25961173.910000004 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1864878 | 139147.91 | 261369.33 | 221907.86 | 2897589.4299999997 | 109348.55 | 0 | 0 | 0 | 5494241.079999999 Bâtiments et Travaux Publics ( 600 ) | 981941 | 111145.95 | 1053480.77 | 3423248.31 | 1807517.45 | 1252974.37 | 0 | 0 | 0 | 8630307.85 Électricité, Gaz et Eau ( 300 à 500 ) | 756972 | 0 | 832513.3200000001 | 2959824.87 | 58182.22 | 179395.59 | 0 | 187712.76 | 0 | 4974600.76 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 85451.58 | 13631.7 | 371263.32 | 0 | 0 | 0 | 0 | 470346.6 Total | 17495183 | 1383272.4 | 13022855.54 | 34595611.93 | 39522410.76 | 11166910.099999998 | 4577759.07 | 809091.49 | 0 | 122573094.28999999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.10915221635578204 | 0.502314294711584 | 0.2538132585320838 | 0.31596924090019984 | 0.3511783103081134 | 0.2943740704064592 | 0 | 0.10797943258555345 | #DIV/0! | 0.2781607642973701 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1376488602605643 | 0.03721203430358331 | 0.07528774983247644 | 0.09714147322498308 | 0.09972004627786528 | 0.31709556970464026 | 0.028807055588445374 | 0.23251890833754785 | #DIV/0! | 0.11913668203113453 Industries Manufacturières ( 200 à 290 ) | 0.07677136043675564 | 0.0028272088707907424 | 0.14667487127788567 | 0.12160194473542299 | 0.16733277355371529 | 0.18388771662091205 | 0.003049310762438181 | 0.4273942987584754 | #DIV/0! | 0.13453744931154418 Prêts aux Particuliers ( 1560 ) | 0.1675642375389843 | 0.019798197376019358 | 0.10569071474166103 | 0.12131419668170616 | 0.06987785757226922 | 0.02053993610998982 | 0.07215230311367173 | 0.00010299206088547539 | #DIV/0! | 0.09670780809330583 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.30287571156014775 | 0.2569049740311453 | 0.2470798412926264 | 0.15265949596978265 | 0.18197605211064305 | 0.04604137271598525 | 0.8959913305354447 | 0 | #DIV/0! | 0.2118015708127393 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.10659379784709883 | 0.10059328155466704 | 0.020070047555791285 | 0.006414335449507396 | 0.073315098301964 | 0.009792193992857525 | 0 | 0 | #DIV/0! | 0.04482420152501805 Bâtiments et Travaux Publics ( 600 ) | 0.056126363468161494 | 0.08035000915221037 | 0.08089475973715671 | 0.09895036159286691 | 0.04573398776142875 | 0.11220421394813597 | 0 | 0 | #DIV/0! | 0.07040948015541854 Électricité, Gaz et Eau ( 300 à 500 ) | 0.04326745253250566 | 0 | 0.06392709474837652 | 0.08555492170477703 | 0.0014721323644276603 | 0.01606492650102019 | 0 | 0.23200436825753787 | #DIV/0! | 0.04058476934775276 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.006561662281942199 | 0.0003940297407538876 | 0.009393741749573376 | 0 | 0 | 0 | #DIV/0! | 0.003837274425716874 Total | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1.0000000000000002 | 1.0000000000000004 | 1 | 1 | #DIV/0! | 1.0000000000000002 [Secteur d'activitésept. 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. | 0 Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.1 | 15267.2 | 656218.5 | 0 | 0 | 0 | 671489.8 200 | Industrie alimentaire | 669613 | 1209.3 | 389022.28 | 90684.15 | 1637870.2 | 503318.08 | 16768.49 | 147583.78 | 3456069.28 210 | Industrie des boissons | 14 | 0 | 2991.73 | 775777.93 | 2464556.54 | 237266.08 | 0 | 71400 | 3552006.2800000003 220 | Industrie du bois | 18217 | 0 | 25.64 | 742.23 | 994.35 | 30378.34 | 0 | 0 | 50357.56 230 | Industrie chimique | 0 | 0 | 13946.18 | 299705.35 | 71244.26 | 45351.92 | 0 | 141796.18 | 572043.8899999999 240 | Industrie du textile | 51322 | 0 | 244352.44 | 731575.9 | 9943.26 | 117365.7 | 0 | 0 | 1154559.3 250 | Industrie pharmacie | 0 | 0 | 72686.73 | 517.59 | 17605.32 | 134784.95 | 0 | 0 | 225594.59 260 | Imprimerie, édition | 25590 | 0 | 2775.87 | 131320.68 | 33199.18 | 50305.62 | 0 | 0 | 243191.34999999998 270 | Sidérurgie, aciérie | 317501 | 0 | 116925.03 | 373105.58 | 0 | 363529.79 | 0 | 0 | 1171061.4000000001 280 | Industrie de la fabrication | 52833 | 3200.07 | 361798.65 | 1200274.99 | 611897.34 | 184895.04 | 0 | 1.11 | 2414900.1999999997 290 | Autres industries | 0 | 0 | 24745.01 | 4448.89 | 235395.55 | 109209.78 | 0 | 154217.4 | 528016.63 300 | Production et distribution de l'électricité | 747044 | 0 | 68965 | 1342068.25 | 125380 | 3408.81 | 0 | 0 | 2286866.06 400 | Production et distribution de gaz | 0 | 456.82 | 2.93 | 5843.82 | 197.81 | 93411.72 | 0 | 0 | 99913.1 500 | Traitement et distribution de l'eau | 0 | 1893.87 | 312811.71 | 25121.12 | 51194.1 | 0 | 0 | 0 | 391020.8 600 | Entrep/ batiment et corps/ métiers corresp. | 991857 | 95544.22 | 622909.05 | 2177656.19 | 1335695.94 | 418275.05 | 0 | 0 | 5641937.45 700 | Commerce de gros(1) | 1252939 | 274002.05 | 1418628.14 | 4469159.84 | 4458634.31 | 1641378.41 | 0 | 132600 | 13647341.75 800 | Commerce de détail(2) | 113385 | 406375.8 | 613725.45 | 3741952.21 | 6290060.43 | 720882.22 | 93.11 | 33852.6 | 11920326.82 900 | Rest/débits/boissons, casinos/activités/loterie | 96077 | 1013.91 | 12286.63 | 1706.28 | 22265.82 | 29342.14 | 0 | 0 | 162691.78000000003 1000 | Hotels,motels et pensions | 901199 | 0 | 4112.18 | 1590510.53 | 26513.58 | 340954.28 | 118631.94 | 0 | 2981921.5100000002 1100 | Transport | 1583514 | 140227.64 | 126298.15 | 217554.29 | 864912.9 | 67489 | 0 | 0 | 2999995.98 1200 | Immobilier résidentiel / Avance Hypothécaire | 1708159 | 292817.95 | 1288768.4 | 245336.48 | 2571857.71 | 294918.04 | 2915350.4 | 0 | 9317207.979999999 1300 | Immobilier commercial | 1918481 | 25980.43 | 1169509.16 | 2815214.41 | 4074065.82 | 132290.9 | 957670.74 | 0 | 11093212.46 1400 | Télécommunications | 85375 | 0 | 19162.88 | 109098 | 147324.95 | 30603.88 | 0 | 0 | 391564.71 1500 | Services financiers | 157052 | 0 | 268773.08 | 1687293.83 | 3730110.94 | 1493343.68 | 0 | 128706.57 | 7465280.1 1510 | Services professionnels | 746533 | 26328.82 | 85110.33 | 109954.64 | 222195.89 | 162420.57 | 0 | 0 | 1352543.25 1520 | Services médicaux | 562 | 397.52 | 2268.01 | 3663.67 | 16572.78 | 48309 | 0 | 0 | 71772.98 1530 | Services d'agence ou de représentation | 1742 | 941.22 | 11760.56 | 12334.25 | 27475.5 | 9867.95 | 0 | 0 | 64121.479999999996 1540 | Services d'enseignement | 24811 | 0 | 16313.58 | 156343.37 | 9691.07 | 27585.99 | 0 | 0 | 234745.01 1550 | Autres services | 35275 | 10498.45 | 21504.73 | 669186.53 | 319218.96 | 367621.9 | 0 | 0 | 1423305.5699999998 1560 | Crédit à la consommation | 2889189 | 49689.64 | 1282488.35 | 3413188.36 | 1726360.63 | 245032.82 | 120737.98 | 2079.31 | 9728766.090000002 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprise d'Élevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 14388284 | 1330577.7099999997 | 8574671.979999999 | 26416606.560000006 | 31758653.639999997 | 7903541.660000001 | 4129252.6599999997 | 812236.95 | 95313825.16 (1) Commerce de gros Import-export | 33547 | 48467.25 | 646849.78 | 960684.54 | 1866081.11 | 108136 | 0 | 0 | 3663765.68 Produits pétroliers | 0 | 0 | 80488.62 | 74623.57 | 21063.62 | 95992 | 0 | 0 | 272167.81 Produits pharmaceutiques | 0 | 0 | 14207.32 | 126756.56 | 106678.27 | 14926 | 0 | 0 | 262568.15 Produits alimentaires | 382121 | 13293.6 | 532945.56 | 1941057.5 | 1156711.21 | 614650 | 0 | 132600 | 4773378.87 Matériaux de construction | 0 | 104104.2 | 29465.09 | 371155.82 | 626894.44 | 697653 | 0 | 0 | 1829272.5499999998 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 837270 | 108136.99 | 114671.76 | 994881.84 | 681205.65 | 110021 | 0 | 0 | 2846187.2399999998 S-Total | 1252938 | 274002.04 | 1418628.1300000001 | 4469159.83 | 4458634.3 | 1641378 | - | 132600 | 13647340.300000003 (2) Commerce de détail Produits pétroliers | 19893 | 5361.76 | 2210.09 | 60790.06 | 124025.57 | 1081 | 0 | 0 | 213361.48 Produits pharmaceutiques | 9329 | 0 | 954.99 | 15980.58 | 2902.05 | 26309 | 0 | 0 | 55475.619999999995 Véhicules automobiles | 15408 | 0 | 92985.8 | 1126906.92 | 3809917.59 | 241294 | 0 | 0 | 5286512.31 Produits alimentaires | 2298 | 0 | 283293.83 | 540529.04 | 670830.56 | 102056 | 0 | 0 | 1599007.4300000002 Librairie ,papeterie | 1077 | 0 | 0 | 26802.12 | 22377.04 | 3 | 0 | 0 | 50259.16 Appareils électro- ménagers électroni.équip. inform. | 25378 | 0 | 37048.65 | 213057.23 | 251921.09 | 255725 | 0 | 33852.6 | 816982.57 Matériaux de construction | 0 | 0 | 0 | 161378.9 | 548251.68 | 108 | 0 | 0 | 709738.5800000001 Autres | 40003 | 396939.18 | 197232.09 | 1596507.36 | 859834.85 | 94306 | 93.11 | 0 | 3184915.59 S-Total | 113386 | 402300.94 | 613725.4500000001 | 3741952.21 | 6290060.429999999 | 720882 | 93.11 | 33852.6 | 11916252.74 [Secteur d'activité sept. 17 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.781524015802643e-07 | 0.0005779394853507632 | 0.02066266748705913 | 0 | 0 | 0 | 0.007045040935801218 200 | Industrie alimentaire | 0.046538767235898316 | 0.0009088533431091373 | 0.04536876523176343 | 0.003432846296666803 | 0.051572406644376886 | 0.06368259973213071 | 0.004060901906641867 | 0.18170040158847736 | 0.036259894870428466 210 | Industrie des boissons | 9.730138771239155e-07 | 0 | 0.0003489031425316401 | 0.02936705470621204 | 0.07760267698804124 | 0.030020222604861927 | 0 | 0.0879053827826966 | 0.03726643300735619 220 | Industrie du bois | 0.0012660995571118834 | 0 | 2.9902018479312143e-06 | 2.8097098630521446e-05 | 3.1309576636070525e-05 | 0.003843636347707946 | 0 | 0 | 0.0005283342675154052 230 | Industrie chimique | 0 | 0 | 0.0016264388926513784 | 0.011345338748157512 | 0.0022433022762107244 | 0.005738176877023002 | 0 | 0.17457489467820936 | 0.0060016885172715475 240 | Industrie du textile | 0.003566929871553828 | 0 | 0.028497001467804258 | 0.02769378793367621 | 0.0003130882093652885 | 0.014849760404755047 | 0 | 0 | 0.012113240634943373 250 | Industrie pharmaceutique | 0 | 0 | 0.00847691085671128 | 1.959335688421594e-05 | 0.0005543471772942577 | 0.017053740689715047 | 0 | 0 | 0.002366861151793061 260 | Imprimerie, édition | 0.0017785303654000713 | 0 | 0.000323729001701124 | 0.004971141153264008 | 0.001045358546251018 | 0.006364946521962155 | 0 | 0 | 0.0025514803292362165 270 | Sidérurgie, aciérie | 0.022066634214337164 | 0 | 0.013636093633986454 | 0.014123902672834445 | 0 | 0.04599580866889489 | 0 | 0 | 0.012286375014686277 280 | Industrie de la fabrication | 0.003671945869291988 | 0.002405023003128469 | 0.04219387643560915 | 0.04543638060679054 | 0.01926710580795263 | 0.023393947669784282 | 0 | 1.3665962869578884e-06 | 0.025336305577351354 290 | Autres industries | 0 | 0 | 0.002885825843567721 | 0.0001684126229421346 | 0.0074120128853170115 | 0.013817828095056816 | 0 | 0.18986750110297249 | 0.005539769588657646 300 | Production et distribution de l'électricité | 0.051920298487297026 | 0 | 0.008042873262190959 | 0.05080396102170663 | 0.003947900355639888 | 0.0004313015792972994 | 0 | 0 | 0.02399301524370801 400 | Production et distribution de gaz | 0 | 0.00034332455486572075 | 3.4170403332443285e-07 | 0.0002212176642267408 | 6.228538597456741e-06 | 0.011818969775633471 | 0 | 0 | 0.0010482540159549715 500 | Traitement et distribution de l'eau | 0 | 0.0014233441502638732 | 0.03648089521437298 | 0.0009509593877223567 | 0.0016119732461051522 | 0 | 0 | 0 | 0.00410245627372112 600 | Entrep/ batiment et corps/ métiers corresp. | 0.06893504465160682 | 0.07180656889254519 | 0.07264523371306854 | 0.08243512220443197 | 0.04205770040319631 | 0.052922483108667505 | 0 | 0 | 0.05919327485313989 700 | Commerce de gros(1) | 0.08708050244212583 | 0.20592713070475233 | 0.1654440127049618 | 0.16917993724323382 | 0.14039116269035892 | 0.20767631532924694 | 0 | 0.16325285373929369 | 0.1431832341959908 800 | Commerce de détail(2) | 0.007880369889835368 | 0.3054130525003309 | 0.07157421898254353 | 0.141651510064357 | 0.198058157669432 | 0.09121002343144477 | 2.2548874497788665e-05 | 0.04167823194943298 | 0.12506398520875395 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006677446733745316 | 0.0007620073539335031 | 0.0014328979614214934 | 6.459118797581091e-05 | 0.0007010945820434976 | 0.0037125305669610397 | 0 | 0 | 0.0017069064191568748 1000 | Hotels,motels et pensions | 0.06263422378929968 | 0 | 0.0004795728640805687 | 0.06020873749955262 | 0.0008348458439247616 | 0.043139429722446734 | 0.028729639420998765 | 0 | 0.0312852989059494 1100 | Transport | 0.11005579261571428 | 0.10538853833647946 | 0.014729210667718162 | 0.008235512366278735 | 0.027233928421658372 | 0.008539083224114997 | 0 | 0 | 0.03147493005305381 1200 | Immobilier résidentiel | 0.11871874366672218 | 0.22006828146850593 | 0.15029944037579385 | 0.009287206494247002 | 0.08098132052930442 | 0.03731466887719295 | 0.7060237384456877 | 0 | 0.0977529541423768 1300 | Immobilier commercial | 0.13333633114275475 | 0.019525676557440606 | 0.13639112524978478 | 0.10656987314422112 | 0.1282820697055217 | 0.01673817962768858 | 0.231923502593324 | 0 | 0.11638618470487583 1400 | Télécommunications | 0.005933647125675306 | 0 | 0.002234823681266931 | 0.004129902141374815 | 0.004638891549685984 | 0.003872172921525411 | 0 | 0 | 0.0041081627911029065 1500 | Services financiers | 0.010915269673576084 | 0 | 0.031344998459054765 | 0.0638724669713974 | 0.11745179698996838 | 0.18894613886301698 | 0 | 0.15845938799016718 | 0.07832316127768763 1510 | Services professionnels | 0.051884783480782 | 0.01978751019359854 | 0.009925782607021665 | 0.004162330227777749 | 0.00699638884313863 | 0.02055035286547727 | 0 | 0 | 0.014190420410990041 1520 | Services médicaux | 3.9059557067402894e-05 | 0.00029875744724447553 | 0.0002645010800751355 | 0.00013868813890530228 | 0.000521835093762495 | 0.00611232306707421 | 0 | 0 | 0.0007530175174432166 1530 | Services d'agence ou de représentation | 0.00012107072671070435 | 0.0007073769483181859 | 0.0013715463433972667 | 0.0004669127343054163 | 0.0008651342815551422 | 0.0012485478567085834 | 0 | 0 | 0.0006727406007718345 1540 | Services d'enseignement | 0.0017243890932372478 | 0 | 0.0019025310866760414 | 0.005918374475725998 | 0.00030514738155631717 | 0.003490332712436161 | 0 | 0 | 0.0024628642235891987 1550 | Autres services | 0.0024516474653961517 | 0.007890144199093794 | 0.00250793616947199 | 0.02533203984698328 | 0.010051400906930892 | 0.04651356516035622 | 0 | 0 | 0.014932834429955428 1560 | Crédit à la consommation | 0.20080149933098346 | 0.03734441034639007 | 0.1495670450124904 | 0.1292061625041668 | 0.05435874736911549 | 0.031002913698818912 | 0.029239668758849938 | 0.0025599795724634295 | 0.1020708808367376 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Élevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1.0000000000000004 | 1.0000000000000004 | 0.9999999999999998 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.002331549752562571 | 0.03642571917126134 | 0.07543726238260139 | 0.03636668993869437 | 0.058758193314897726 | 0.013681967483929221 | 0 | 0 | 0.03843897434448533 Produits pétroliers | 0 | 0 | 0.009386787061678364 | 0.0028248734306773123 | 0.0006632403325017024 | 0.012145441136322167 | 0 | 0 | 0.0028554914205061164 Produits pharmaceutiques | 0 | 0 | 0.0016568937019559322 | 0.004798366501469369 | 0.003359029989408582 | 0.0018885204433780384 | 0 | 0 | 0.002754775076535183 Produits alimentaires | 0.026557788267176266 | 0.009990848260940733 | 0.06215346327452168 | 0.0734786845385034 | 0.036421922135361655 | 0.07776893276981853 | 0 | 0.16325285373929369 | 0.05008065579140377 Matériaux de construction | 0 | 0.07823984966650314 | 0.003436293547872837 | 0.014050094555369716 | 0.019739326707805614 | 0.08827093346402376 | 0 | 0 | 0.019192100903822333 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.05819109492139577 | 0.08127070609051465 | 0.013373311570106267 | 0.037661227899969896 | 0.02144944989550886 | 0.013920468156297413 | 0 | 0 | 0.029861221446334827 S-Total | 0.0870804329411346 | 0.20592712318921985 | 0.16544401153873647 | 0.16917993686468405 | 0.14039116237548416 | 0.20767626345376913 | - | 0.16325285373929369 | 0.14318321898308756 (2) Commerce de détail Produits pétroliers | 0.0013825832184018608 | 0.004029648144338749 | 0.000257746302733787 | 0.0023012062454701595 | 0.0039052527668802027 | 0.00013677412563926433 | 0 | 0 | 0.0022385155526161867 Produits pharmaceutiques | 0.0006483747471206434 | 0 | 0.00011137335658174065 | 0.0006049444679316902 | 9.137824395505453e-05 | 0.0033287608431483862 | 0 | 0 | 0.0005820311996384051 Véhicules automobiles | 0.0010708712727660922 | 0 | 0.010844239898259061 | 0.04265903409813284 | 0.11996470735778962 | 0.03052985742090717 | 0 | 0 | 0.05546427604941587 Produits alimentaires | 0.00015971327783076842 | 0 | 0.033038445162773454 | 0.020461713686513713 | 0.021122764447265154 | 0.01291269210568063 | 0 | 0 | 0.016776238151346903 Librairie ,papeterie | 7.485256754731835e-05 | 0 | 0 | 0.0010145936019119025 | 0.0007045966196695486 | 3.7957666689897596e-07 | 0 | 0 | 0.0005273018884262771 Appareils électro- ménagers électroni.équip. inform. | 0.0017637961552607662 | 0 | 0.004320707554343089 | 0.008065276269156048 | 0.00793236051048164 | 0.032355747714246874 | 0 | 0.04167823194943298 | 0.008571501234249698 Matériaux de construction | 0 | 0 | 0 | 0.006108994341625988 | 0.017263064304132766 | 1.3664760008363135e-05 | 0 | 0 | 0.0074463340319055145 Autres | 0.0027802481518991425 | 0.29832093008682675 | 0.023001706707852402 | 0.06043574735361466 | 0.02707403341925801 | 0.011932119049524943 | 2.2548874497788665e-05 | 0 | 0.03341504324953482 S-Total | 0.007880439390826593 | 0.3023505782311655 | 0.07157421898254353 | 0.141651510064357 | 0.198058157669432 | 0.09120999559582253 | 2.2548874497788665e-05 | 0.04167823194943298 | 0.12502124135713366 [Secteur d'activité sept. 17glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2017 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1366324 | 680377.85 | 2032353.5899999999 | 8211112.05 | 10748694.739999998 | 2362260.63 | 93.11 | 166452.6 | 25567668.569999997 Services et Autres ( 1500 à 1550 ; 1570 à 1600 ; 900 ; 1000 ) | 1963251 | 39179.920000000006 | 422129.10000000003 | 4230993.1 | 4374044.54 | 2479445.51 | 118631.94 | 128706.57 | 13756381.68 Industries Manufacturières ( 200 à 290 ) | 1135090 | 4409.37 | 1229269.56 | 3608153.2900000005 | 5082705.999999999 | 1776405.3000000003 | 16768.49 | 514998.47 | 13367800.48 Prêts aux Particuliers ( 1560 ) | 2889189 | 49689.64 | 1282488.35 | 3413188.36 | 1726360.63 | 245032.82 | 120737.98 | 2079.31 | 9728766.090000002 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3626640 | 318798.38 | 2458277.5599999996 | 3060550.89 | 6645923.529999999 | 427208.93999999994 | 3873021.1399999997 | 0 | 20410420.439999998 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1668889 | 140227.64 | 145461.03 | 326652.29000000004 | 1012237.8500000001 | 98092.88 | 0 | 0 | 3391560.69 Bâtiments et Travaux Publics ( 600 ) | 991857 | 95544.22 | 622909.05 | 2177656.19 | 1335695.94 | 418275.05 | 0 | 0 | 5641937.45 Électricité, Gaz et Eau ( 300 à 500 ) | 747044 | 2350.69 | 381779.64 | 1373033.1900000002 | 176771.91 | 96820.53 | 0 | 0 | 2777799.9600000004 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.1 | 15267.2 | 656218.5 | 0 | 0 | 0 | 671489.8 Total | 14388284 | 1330577.7100000002 | 8574671.979999999 | 26416606.560000002 | 31758653.64 | 7903541.659999999 | 4129252.6599999997 | 812236.9500000001 | 95313825.16 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.0949608723319612 | 0.511340183205083 | 0.23701823168750535 | 0.3108314473075909 | 0.33844932035979086 | 0.29888633876069176 | 2.2548874497788665e-05 | 0.20493108568872667 | 0.2682472194047447 Services et Autres ( 1500 à 1550 ; 1570 à 1600 ; 900 ; 1000 ) | 0.1364478905198146 | 0.029445796142188493 | 0.04922976657119892 | 0.16016414108262356 | 0.1377276439228801 | 0.3137132208144772 | 0.028729639420998765 | 0.15845938799016715 | 0.14432724378554362 Industries Manufacturières ( 200 à 290 ) | 0.07888988012747038 | 0.003313876346237605 | 0.14336053470817436 | 0.13658655519605847 | 0.16004160811144508 | 0.22476066761189192 | 0.004060901906641867 | 0.6340495467486427 | 0.14025038295923953 Prêts aux Particuliers ( 1560 ) | 0.20080149933098346 | 0.03734441034639006 | 0.1495670450124904 | 0.12920616250416683 | 0.05435874736911548 | 0.03100291369881892 | 0.029239668758849938 | 0.002559979572463429 | 0.1020708808367376 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.2520550748094769 | 0.23959395802594646 | 0.2866905656255786 | 0.11585707963846814 | 0.20926339023482607 | 0.05405284850488154 | 0.9379472410390116 | 0 | 0.2141391388472526 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.11598943974138959 | 0.10538853833647942 | 0.016964034348985094 | 0.012365414507653553 | 0.031872819971344356 | 0.01241125614564041 | 0 | 0 | 0.035583092844156713 Bâtiments et Travaux Publics ( 600 ) | 0.06893504465160682 | 0.07180656889254516 | 0.07264523371306854 | 0.08243512220443198 | 0.042057700403196306 | 0.05292248310866752 | 0 | 0 | 0.05919327485313989 Électricité, Gaz et Eau ( 300 à 500 ) | 0.051920298487297026 | 0.0017666687051295935 | 0.04452411018059726 | 0.05197613807365574 | 0.005566102140342496 | 0.012250271354930772 | 0 | 0 | 0.029143725533384107 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.781524015802643e-07 | 0.0005779394853507633 | 0.02066266748705913 | 0 | 0 | 0 | 0.007045040935801218 Total | 1.0000000000000002 | 0.9999999999999998 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 [Secteur d'activité juin 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2017 | AU30 JUIN 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 33.00083 | 3407.688 | 724989.1 | 0 | 0 | 0 | 0 | 728429.78883 200 | Industrie alimentaire | 609570 | 9972.45242 | 371053.16452 | 48864.158 | 1724057.33 | 523157.321 | 43416.32 | 135436.28663 | 0 | 3465527.03257 210 | Industrie des boissons | 1307 | 0 | 3027.3905600000003 | 849453.487 | 2600850.86 | 203609.831 | 0 | 71400 | 0 | 3729648.5685599996 220 | Industrie du bois | 27907 | 0 | 0 | 817.606 | 0 | 31393.975 | 0 | 0 | 0 | 60118.581 230 | Industrie chimique | 0 | 0 | 14168.43999 | 404534.91 | 91629.49 | 62229.462 | 0 | 130125.0597 | 0 | 702687.3616899999 240 | Industrie du textile | 59082 | 0 | 250866.77469999998 | 696720.091 | 9880.72 | 61351.985 | 0 | 0 | 0 | 1077901.5707 250 | Industrie pharmacie | 0 | 0 | 59866.315729999995 | 708.214 | 22889.06 | 165573.769 | 0 | 0 | 0 | 249037.35872999998 260 | Imprimerie, édition | 99127 | 0 | 6327.462219999999 | 141081.008 | 108963.26 | 82874.736 | 0 | 0 | 0 | 438373.46622000006 270 | Sidérurgie, aciérie | 317516 | 0 | 129658.77097 | 386674.73 | 81786.02 | 282135.054 | 0 | 0 | 0 | 1197770.57497 280 | Industrie de la fabrication | 54661 | 3160.19415 | 275856.32536 | 1226333.304 | 730077.65 | 121965.937 | 0 | 0 | 0 | 2412054.41051 290 | Autres industries | 0 | 0 | 18155.116710000002 | 4660.112 | 120219.35 | 86933.632 | 0 | 0 | 0 | 229968.21071 300 | Production et distribution de l'électricité | 364177 | 0 | 223889.13402 | 1487434.441 | 124703.2 | 3823.731 | 0 | 173337.448 | 0 | 2377364.95402 400 | Production et distribution de gaz | 0 | 900.74772 | 0 | 4816.642 | 240.09 | 96366.808 | 0 | 0 | 0 | 102324.28772000001 500 | Traitement et distribution de l'eau | 0 | 2379.72675 | 308654.47486 | 22457.285 | 39184.68 | 10.434 | 0 | 0 | 0 | 372686.60060999996 600 | Entrep/ batiment et corps/ métiers corresp. | 1012458 | 100290.20122999999 | 669821.15472 | 1796279.962 | 1142739.8 | 335208.827 | 0 | 0 | 0 | 5056797.944949999 700 | Commerce de gros(1) | 987894 | 266702.50534000003 | 1494230.10228 | 4226547.857 | 3696800.26 | 1285858.518 | 0 | 132600 | 0 | 12090633.242619999 800 | Commerce de détail(2) | 116979 | 406132.4997 | 329560.08626999997 | 4107586.302 | 3986175.3 | 609134.5 | 220.68 | 44893.152 | 0 | 9600681.519970002 900 | Rest/débits/boissons, casinos/activités/loterie | 95929 | 1126.51548 | 14313.146279999999 | 2278.352 | 22559.24 | 32921.555 | 0 | 0 | 0 | 169127.80875999999 1000 | Hotels,motels et pensions | 824739 | 0 | 4176.98035 | 1600853.994 | 30806.5 | 341924.623 | 309105.4 | 0 | 0 | 3111606.49735 1100 | Transport | 1577751 | 143148.1405 | 139417.12642 | 275079.046 | 911747.53 | 69870.234 | 0 | 0 | 0 | 3117013.07692 1200 | Immobilier résidentiel / Avance Hypothécaire | 1593406 | 298031.35456999997 | 1214025.8549000002 | 229209.937 | 2691718.91 | 337077.682 | 2667528.76 | 0 | 0 | 9030998.49847 1300 | Immobilier commercial | 1957568 | 26547.4025 | 920305.7325299999 | 1477381.976 | 4065714.14 | 144639.911 | 956784.02 | 0 | 0 | 9548941.18203 1400 | Télécommunications | 98110 | 0 | 19090.70193 | 123031.754 | 167269.05 | 32574.53 | 0 | 0 | 0 | 440076.03593 1500 | Services financiers | 82268 | 0 | 113665.87138 | 1637522.969 | 3562884.73 | 1558213.491 | 0 | 118623.69665000001 | 0 | 7073178.758030001 1510 | Services professionnels | 773411 | 26514.18563 | 70716.96675 | 111139.543 | 248781.66 | 146381.1 | 0 | 0 | 0 | 1376944.45538 1520 | Services médicaux | 0 | 500.01556 | 4511.57466 | 1788.5 | 14886.98 | 45770.503 | 0 | 0 | 0 | 67457.57321999999 1530 | Services d'agence ou de représentation | 896 | 941.2188100000001 | 8.02929 | 11909.261 | 25005.99 | 1450.141 | 0 | 0 | 0 | 40210.640100000004 1540 | Services d'enseignement | 23517 | 0 | 15569.11289 | 129217.094 | 12500.25 | 17408.36 | 0 | 0 | 0 | 198211.81689000002 1550 | Autres services | 339871 | 10341.215380000001 | 19119.24896 | 1885328.328 | 325091.95 | 381844.191 | 0 | 0 | 0 | 2961595.9333400005 1560 | Crédit à la consommation | 2957133 | 62276.44992 | 1175159.4515999998 | 2033751.011 | 1833236.36 | 189121.917 | 89433.7 | 3208.9697 | 0 | 8343320.859220001 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 13975277 | 1358964.8256599999 | 7865247.5116799995 | 24926869.562000006 | 29117389.459999997 | 7250826.757999999 | 4066488.88 | 809624.61268 | 0 | 89370688.61002 (1) Commerce de gros Import-export | 49739 | 36742.859079999995 | 731204.49127 | 829095.211 | 1499586.78 | 128551 | 0 | 0 | 0 | 3274919.3413500004 Produits pétroliers | 0 | 0 | 82156.21687 | 0 | 6225.5 | 83036 | 0 | 0 | 0 | 171417.71687 Produits pharmaceutiques | 0 | 0 | 11928.65419 | 0 | 112608.9 | 15850 | 0 | 0 | 0 | 140387.55419 Produits alimentaires | 759826 | 13664.00651 | 520685.40427999996 | 1935565.17 | 945829.52 | 505682 | 0 | 132600 | 0 | 4813852.10079 Matériaux de construction | 0 | 103596.16662999999 | 35617.69318 | 0 | 673613.14 | 440618 | 0 | 0 | 0 | 1253444.99981 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 178329 | 112699.47312000001 | 112637.64249 | 1461887.477 | 458936.43 | 112121 | 0 | 0 | 0 | 2436611.02261 S-Total | 987894 | 266702.50534000003 | 1494230.10228 | 4226547.858 | 3696800.2700000005 | 1285858 | - | 132600 | 0 | 12090632.735619998 (2) Commerce de détail Produits pétroliers | 21023 | 5456.08876 | 2346.23014 | 135878.049 | 132821.41 | 16887 | 0 | 0 | 314411.7779 Produits pharmaceutiques | 10132 | 0 | 1378.041 | 2918.275 | 2608.75 | 22571 | 0 | 0 | 0 | 39608.066 Véhicules automobiles | 16750 | 0 | 121821.91031 | 1136821.984 | 1772200 | 173620 | 0 | 0 | 0 | 3221213.89431 Produits alimentaires | 2629 | 0 | 64379.304509999994 | 896311.734 | 544816.54 | 96606 | 0 | 0 | 0 | 1604742.5785100001 Librairie ,papeterie | 1083 | 0 | 0 | 34696.289 | 25067.93 | 12906 | 0 | 0 | 0 | 73753.219 Appareils électro- ménagers électroni.équip. inform. | 25799 | 0 | 36362.946200000006 | 543477.312 | 276184.12 | 197742 | 0 | 44893.152 | 0 | 1124458.5302000002 Matériaux de construction | 0 | 0 | 7904.55363 | 166653.601 | 509612.29 | 363 | 0 | 0 | 0 | 684533.44463 Autres | 39564 | 400676.41094 | 95367.10048000001 | 1190829.058 | 722864.25 | 88439 | 220.68 | 0 | 0 | 2537960.4994200002 S-Total | 116980 | 406132.4997 | 329560.08627 | 4107586.301999999 | 3986175.2900000005 | 609134 | 220.68 | 44893.152 | 0 | 9600682.00997 [Secteur d'activité juin 17 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.195777685443887e-06 | 0.00013670741893698842 | 0.024898835831280598 | 0 | 0 | 0 | #DIV/0! | 0.008150656553723034 200 | Industrie alimentaire | 0.043617740099176565 | 0.007338271183845205 | 0.04717628580270119 | 0.001960300625734866 | 0.05921057354294839 | 0.07215140265526118 | 0.010676611022725827 | 0.16728281787491864 | #DIV/0! | 0.038776998213499884 210 | Industrie des boissons | 9.352229655269087e-05 | 0 | 0.0003849072207205538 | 0.03407782452935675 | 0.08932294097219524 | 0.0280809123973832 | 0 | 0.08818901856707818 | #DIV/0! | 0.041732346774620704 220 | Industrie du bois | 0.0019968834964773866 | 0 | 0 | 3.280018768367155e-05 | 0 | 0.004329709707291286 | 0 | 0 | #DIV/0! | 0.0006726879017608875 230 | Industrie chimique | 0 | 0 | 0.0018013978541628441 | 0.016228869373019743 | 0.0031468992138143424 | 0.008582395370478385 | 0 | 0.16072270736590274 | #DIV/0! | 0.007862615502004944 240 | Industrie du textile | 0.004227608511802664 | 0 | 0.03189559824118178 | 0.027950565122791083 | 0.00033934086067618233 | 0.008461377860436258 | 0 | 0 | #DIV/0! | 0.012061018970140829 250 | Industrie pharmacie | 0 | 0 | 0.007611498003222111 | 2.841167031578018e-05 | 0.0007860958837482267 | 0.022835157220839508 | 0 | 0 | #DIV/0! | 0.0027865664078824005 260 | Imprimerie, édition | 0.007093025776877267 | 0 | 0.000804483547479419 | 0.0056597964557519986 | 0.003742205672307548 | 0.011429694677032858 | 0 | 0 | #DIV/0! | 0.004905114563152765 270 | Sidérurgie, aciérie | 0.022719835893056 | 0 | 0.016485021072439866 | 0.015512366245518041 | 0.0028088376573852376 | 0.03891074265272082 | 0 | 0 | #DIV/0! | 0.01340227532761462 280 | Industrie de la fabrication | 0.003911264155980593 | 0.00232544219712619 | 0.035072809209163426 | 0.04919724480243179 | 0.02507359566017908 | 0.016820969672931747 | 0 | 0 | #DIV/0! | 0.026989323323168026 290 | Autres industries | 0 | 0 | 0.0023082702334592023 | 0.00018695135337427811 | 0.004128781880159665 | 0.011989478565886873 | 0 | 0 | #DIV/0! | 0.0025731950182625828 300 | Production et distribution de l'électricité | 0.026058660590412626 | 0 | 0.028465618365794795 | 0.05967193101806627 | 0.0042827740505827615 | 0.0005273510356293083 | 0 | 0.21409607030871075 | #DIV/0! | 0.026601170820042853 400 | Production et distribution de gaz | 0 | 0.000662819009728629 | 0 | 0.00019323092247984375 | 8.245588098817154e-06 | 0.013290457932080137 | 0 | 0 | #DIV/0! | 0.0011449423665795464 500 | Traitement et distribution de l'eau | 0 | 0.0017511319682937732 | 0.03924281777549199 | 0.000900926806879722 | 0.0013457483904534071 | 1.4390083156362733e-06 | 0 | 0 | #DIV/0! | 0.004170121170669993 600 | Entrep/ batiment et corps/ métiers corresp. | 0.07244636367493824 | 0.07379896766738807 | 0.08516212029250274 | 0.07206199549173858 | 0.039245956495167204 | 0.04623042836186323 | 0 | 0 | #DIV/0! | 0.05658228691753691 700 | Commerce de gros(1) | 0.07068868831723335 | 0.19625416368703458 | 0.18997877689939802 | 0.16955790804326265 | 0.1269619402205846 | 0.17733957256409189 | 0 | 0.16377960591028803 | #DIV/0! | 0.13528633862696265 800 | Commerce de détail(2) | 0.008370424428796652 | 0.2988543132474059 | 0.04190079025238542 | 0.164785485469136 | 0.13690016082918446 | 0.08400897171180215 | 5.4267946258345606e-05 | 0.05544934195045746 | #DIV/0! | 0.10742539493976327 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006864193103292336 | 0.0008289511683666223 | 0.0018197960405880148 | 9.140144912032012e-05 | 0.0007747686320228244 | 0.004540386372309462 | 0 | 0 | #DIV/0! | 0.0018924304085650497 1000 | Hotels,motels et pensions | 0.059014143333259154 | 0 | 0.0005310678835977033 | 0.06422202314728025 | 0.0010580103701370762 | 0.04715663943049624 | 0.0760128477223329 | 0 | #DIV/0! | 0.0348168571345341 1100 | Transport | 0.11289586603542813 | 0.10533616308316013 | 0.017725713807857115 | 0.011035442910944049 | 0.03131281845347135 | 0.009636174788331635 | 0 | 0 | #DIV/0! | 0.034877353250812135 1200 | Immobilier résidentiel | 0.11401605850102291 | 0.21930762955932798 | 0.15435316601253238 | 0.009195295720142138 | 0.09244368949001242 | 0.046488172073356274 | 0.6559783731659927 | 0 | #DIV/0! | 0.10105101167876053 1300 | Immobilier commercial | 0.14007364576745063 | 0.01953501812462798 | 0.11700912541701115 | 0.05926865274138588 | 0.13963182192501403 | 0.019948057763263416 | 0.23528504521571444 | 0 | #DIV/0! | 0.10684645413999191 1400 | Télécommunications | 0.007020254410699695 | 0 | 0.0024272220170630417 | 0.004935708180041865 | 0.005744644458246705 | 0.004492526312818023 | 0 | 0 | #DIV/0! | 0.004924165213164307 1500 | Services financiers | 0.005886681172759581 | 0 | 0.014451658541095449 | 0.065693085324133 | 0.12236278032048552 | 0.21490149234096487 | 0 | 0.14651691017314147 | #DIV/0! | 0.07914427949520102 1510 | Services professionnels | 0.05534137176672777 | 0.019510575350707125 | 0.008991066923829715 | 0.004458624165524085 | 0.008544092194177082 | 0.020188194379143657 | 0 | 0 | #DIV/0! | 0.015407114757596494 1520 | Services médicaux | 0 | 0.0003679385592317745 | 0.0005736087330119301 | 7.174988401778678e-05 | 0.0005112745433601107 | 0.006312452983309852 | 0 | 0 | #DIV/0! | 0.0007548064613707903 1530 | Services d'agence ou de représentation | 6.411321936588448e-05 | 0.0006925998320397176 | 1.0208566212412762e-06 | 0.0004777680153690531 | 0.0008587991734063925 | 0.00019999664154160448 | 0 | 0 | #DIV/0! | 0.00044993096422770205 1540 | Services d'enseignement | 0.0016827573435574837 | 0 | 0.0019794816204931447 | 0.005183847641943222 | 0.00042930531314190146 | 0.0024008793177678627 | 0 | 0 | #DIV/0! | 0.0022178615827267672 1550 | Autres services | 0.024319446405248354 | 0.007609626963654228 | 0.002430851531577062 | 0.07563438013388195 | 0.011164872814116628 | 0.0526621589156992 | 0 | 0 | #DIV/0! | 0.03313833628678066 1560 | Crédit à la consommation | 0.211597451699884 | 0.04582638839806217 | 0.1494116300669333 | 0.08158870514973811 | 0.0629601895636423 | 0.026082807286953523 | 0.021992854926975725 | 0.00396352784950268 | #DIV/0! | 0.09335634522888268 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999999999999998 | 1 | 1 | 0.9999999999999998 | 1 | 1.0000000000000002 | 1 | 1 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.003559070779062197 | 0.02703738786039243 | 0.0929664947204969 | 0.033261104405341045 | 0.05150141574539355 | 0.017729150659704675 | 0 | 0 | #DIV/0! | 0.03664422186160514 Produits pétroliers | 0 | 0 | 0.010445471264317736 | 0 | 0.00021380694201835225 | 0.011451935451137972 | 0 | 0 | #DIV/0! | 0.001918052994063885 Produits pharmaceutiques | 0 | 0 | 0.0015166279474721914 | 0 | 0.0038674105779536463 | 0.0021859576195931507 | 0 | 0 | #DIV/0! | 0.0015708456136284052 Produits alimentaires | 0.05436929801105195 | 0.010054716834458086 | 0.06620076526603581 | 0.07764974920680333 | 0.03248332139456846 | 0.06974128839060591 | 0 | 0.16377960591028803 | #DIV/0! | 0.053863880604029316 Matériaux de construction | 0 | 0.07623167625378906 | 0.004528489806214902 | 0 | 0.023134393312469713 | 0.06076796684100283 | 0 | 0 | #DIV/0! | 0.014025236006399834 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.012760319527119212 | 0.082930382738395 | 0.01432092789486047 | 0.05864705447123564 | 0.015761592591618273 | 0.01546320216191821 | 0 | 0 | #DIV/0! | 0.02726409587423514 S-Total | 0.07068868831723335 | 0.19625416368703458 | 0.189978776899398 | 0.16955790808338 | 0.126961940564022 | 0.17733950112396274 | - | 0.16377960591028803 | #DIV/0! | 0.13528633295396172 (2) Commerce de détail Produits pétroliers | 0.0015042993423314615 | 0.004014885931539969 | 0.000298303408318151 | 0.00545106751820696 | 0.004561583729285325 | 0.002328975793190507 | 0 | 0 | #DIV/0! | 0.0035180637274931886 Produits pharmaceutiques | 0.0007249945743472562 | 0 | 0.00017520631079360062 | 0.00011707346535197468 | 8.959422696817548e-05 | 0.003112886399484984 | 0 | 0 | #DIV/0! | 0.00044318855114605497 Véhicules automobiles | 0.0011985451164939342 | 0 | 0.01548863022162911 | 0.04560628767171946 | 0.06086397279655029 | 0.023944855641246866 | 0 | 0 | #DIV/0! | 0.03604329276644788 Produits alimentaires | 0.0001881179170903017 | 0 | 0.008185286529685918 | 0.03595765331746232 | 0.018711036604034902 | 0.01332344617024706 | 0 | 0 | #DIV/0! | 0.0179560279043221 Librairie ,papeterie | 7.749399171121975e-05 | 0 | 0 | 0.001391923238243003 | 0.0008609264245490504 | 0.0017799349551084669 | 0 | 0 | #DIV/0! | 0.000825250651495271 Appareils électro- ménagers électroni.équip. inform. | 0.0018460456991299706 | 0 | 0.004623242453082441 | 0.021802870619121343 | 0.009485195105811523 | 0.02727164868224535 | 0 | 0.05544934195045746 | #DIV/0! | 0.012581961129411382 Matériaux de construction | 0 | 0 | 0.0010049974420082307 | 0.006685701170196541 | 0.017501991059331732 | 5.006325652443619e-05 | 0 | 0 | #DIV/0! | 0.007659484952801986 Autres | 0.0028309993426248368 | 0.29483942731586593 | 0.012125123886867968 | 0.04777290846883438 | 0.024825860539216076 | 0.01219709185610086 | 0 | 0 | #DIV/0! | 0.028398130739427367 S-Total | 0.00837049598372898 | 0.2988543132474059 | 0.04190079025238542 | 0.16478548546913596 | 0.13690016048574707 | 0.08400890275414853 | - | 0.05544934195045746 | #DIV/0! | 0.10742540042254523 [Secteur d'activité juin 17 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2017 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1104873 | 672835.00504 | 1823790.18855 | 8334134.159 | 7682975.56 | 1894993.018 | 220.68 | 177493.152 | 0 | 21691314.76259 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2140631 | 39423.15086 | 242080.93056 | 5380038.041 | 4242517.300000001 | 2525913.9639999997 | 309105.4 | 118623.69665000001 | 0 | 14998333.483070001 Industries Manufacturières ( 200 à 290 ) | 1169170 | 13132.646569999999 | 1128979.76076 | 3759847.62 | 5490353.739999998 | 1621225.7019999998 | 43416.32 | 336961.34633 | 0 | 13563087.135659998 Prêts aux Particuliers ( 1560 ) | 2957133 | 62276.44992 | 1175159.4515999998 | 2033751.011 | 1833236.36 | 189121.917 | 89433.7 | 3208.9697 | 0 | 8343320.859220001 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3550974 | 324578.75707 | 2134331.5874300003 | 1706591.913 | 6757433.050000001 | 481717.593 | 3624312.78 | 0 | 0 | 18579939.6805 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1675861 | 143148.1405 | 158507.82835 | 398110.8 | 1079016.58 | 102444.764 | 0 | 0 | 0 | 3557089.11285 Bâtiments et Travaux Publics ( 600 ) | 1012458 | 100290.20122999999 | 669821.15472 | 1796279.962 | 1142739.8 | 335208.827 | 0 | 0 | 0 | 5056797.944949999 Électricité, Gaz et Eau ( 300 à 500 ) | 364177 | 3280.4744699999997 | 532543.60888 | 1514708.368 | 164127.97 | 100200.973 | 0 | 173337.448 | 0 | 2852375.8423499996 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 33.00083 | 3407.688 | 724989.1 | 0 | 0 | 0 | 0 | 728429.78883 Total | 13975277 | 1358964.82566 | 7865247.51168 | 24926869.562000003 | 29117389.459999997 | 7250826.758 | 4066488.88 | 809624.6126799999 | 0 | 89370688.61002 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.07905911274603 | 0.4951084769344404 | 0.23187956715178343 | 0.33434339351239867 | 0.26386210104976904 | 0.261348544275894 | 5.4267946258345606e-05 | 0.21922894786074554 | #DIV/0! | 0.2427117335667259 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.15317270634421057 | 0.029009691873999464 | 0.030778552130814256 | 0.2158328797612697 | 0.14570390336084754 | 0.34836220038123267 | 0.0760128477223329 | 0.14651691017314147 | #DIV/0! | 0.16782161709100257 Industries Manufacturières ( 200 à 290 ) | 0.08365988022992317 | 0.009663713380971392 | 0.14354027118453036 | 0.15083513036597804 | 0.18855927134341385 | 0.22359184078026206 | 0.010676611022725827 | 0.4161945438078996 | #DIV/0! | 0.15176214200210764 Prêts aux Particuliers ( 1560 ) | 0.211597451699884 | 0.04582638839806216 | 0.14941163006693328 | 0.08158870514973812 | 0.0629601895636423 | 0.026082807286953523 | 0.021992854926975725 | 0.00396352784950268 | #DIV/0! | 0.09335634522888268 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.25408970426847355 | 0.23884264768395594 | 0.27136229142954355 | 0.06846394846152803 | 0.23207551141502647 | 0.06643622983661969 | 0.8912634183817072 | 0 | #DIV/0! | 0.20789746581875246 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.11991612044612783 | 0.1053361630831601 | 0.020152935824920157 | 0.015971151090985916 | 0.037057462911718055 | 0.014128701101149657 | 0 | 0 | #DIV/0! | 0.03980151846397644 Bâtiments et Travaux Publics ( 600 ) | 0.07244636367493824 | 0.07379896766738805 | 0.08516212029250274 | 0.07206199549173858 | 0.039245956495167204 | 0.046230428361863224 | 0 | 0 | #DIV/0! | 0.05658228691753691 Électricité, Gaz et Eau ( 300 à 500 ) | 0.026058660590412626 | 0.0024139509780224016 | 0.06770843614128677 | 0.06076608874742584 | 0.005636768029134986 | 0.01381924797602508 | 0 | 0.2140960703087108 | #DIV/0! | 0.031916234357292385 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.195777685443887e-06 | 0.00013670741893698844 | 0.024898835831280598 | 0 | 0 | 0 | #DIV/0! | 0.008150656553723034 Total | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999998 | 1 | 1 | 0.9999999999999998 | 1 | 1 | #DIV/0! | 0.9999999999999999 [Secteur d'activité mars 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 mars 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 23.25581 | 4066.628 | 714465.13 | 2.199 | 0 | 0 | 0 | 718557.21281 200 | Industrie alimentaire | 523212 | 9972.45242 | 464970.92687 | 55414.358 | 1913902.01 | 386914.111 | 44995.29 | 184954.59248 | 0 | 3584335.7407700005 210 | Industrie des boissons | 1331 | 0 | 3055.86105 | 834659.013 | 2718960.41 | 333050.647 | 0 | 71400 | 0 | 3962456.93105 220 | Industrie du bois | 44017 | 0 | 0 | 1051.747 | 0 | 991.602 | 0 | 0 | 0 | 46060.349 230 | Industrie chimique | 0 | 0 | 222109.5366 | 433994.653 | 61440.75 | 55546.066 | 0 | 119166.13831000001 | 0 | 892257.1439099999 240 | Industrie du textile | 64303 | 0 | 247815.51309 | 730422.098 | 5284.23 | 217422.907 | 0 | 0 | 0 | 1265247.74809 250 | Industrie pharmacie | 0 | 0 | 47148.35615 | 800.878 | 7628.26 | 31600.515 | 0 | 0 | 0 | 87178.00915 260 | Imprimerie, édition | 41967 | 0 | 5263.05221 | 118588.597 | 76742.56 | 46702.109 | 0 | 0 | 0 | 289263.31821 270 | Sidérurgie, aciérie | 347036 | 0 | 111607.91109000001 | 422318.217 | 28183.54 | 318281.09 | 0 | 0 | 0 | 1227426.7580900001 280 | Industrie de la fabrication | 55908 | 3394.46677 | 321179.81545999995 | 1171284.903 | 292027.96 | 181265.127 | 0 | 0 | 0 | 2025060.27223 290 | Autres industries | 0 | 0 | 21251.54249 | 5416.283 | 80611.15 | 68902.872 | 0 | 0 | 0 | 176181.84749000001 300 | Production et distribution de l'électricité | 296388 | 0 | 306439.91486 | 1339357.622 | 138704.6 | 876.901 | 0 | 154999.488 | 0 | 2236766.52586 400 | Production et distribution de gaz | 0 | 1185.8063 | 6.80819 | 6298.239 | 0.07 | 110875.898 | 0 | 0 | 0 | 118366.82149 500 | Traitement et distribution de l'eau | 0 | 3798.0301600000003 | 319352.14338 | 25944.744 | 39538.65 | 5.978 | 0 | 0 | 0 | 388639.5455400001 600 | Entrep/ batiment et corps/ métiers corresp. | 990669 | 101380.83197 | 713296.4208600001 | 2521120.108 | 821369.71 | 356060.85931 | 0 | 0 | 0 | 5503896.93014 700 | Commerce de gros(1) | 1089800 | 292766.93299 | 1184121.93706 | 3828757.024 | 3541554.01 | 1370639.3369200001 | 0 | 132600 | 0 | 11440239.24097 800 | Commerce de détail(2) | 126197 | 444857.24362 | 339706.2093800001 | 4398770.173 | 4303131.71 | 554792.245 | 405.82 | 87187.212 | 0 | 10255047.612999998 900 | Rest/débits/boissons, casinos/activités/loterie | 103048 | 1198.96598 | 16240.107800000002 | 2425.967 | 21114.32 | 34803.577 | 0 | 0 | 0 | 178830.93777999998 1000 | Hotels,motels et pensions | 757020 | 0 | 4350.06168 | 1724013.987 | 35129.74 | 924164.178 | 312725.91000000003 | 0 | 0 | 3757403.87668 1100 | Transport | 1682081 | 151023.80558000001 | 163931.50694999998 | 266738.96 | 995635.39 | 55721.531 | 0 | 0 | 0 | 3315132.1935300003 1200 | Immobilier résidentiel / Avance Hypothécaire | 1511434 | 310319.12106 | 1152123.3084500001 | 239667.465 | 1904251.69 | 344674.54 | 2635371.2899999996 | 0 | 0 | 8097841.4145100005 1300 | Immobilier commercial | 1848627 | 28082.340170000003 | 805056.85733 | 1854782.489 | 4649712.84 | 175311.469 | 1114063.6 | 0 | 0 | 10475636.5955 1400 | Télécommunications | 192710 | 0 | 2938.3977200000004 | 113027.28 | 144004.78 | 37532.952 | 0 | 0 | 0 | 490213.40972000005 1500 | Services financiers | 72402 | 98560.46883 | 204117.46637 | 1303982.227 | 2477238.61 | 1492414.609 | 0 | 192546.40399000002 | 0 | 5841261.785189999 1510 | Services professionnels | 885078 | 27616.084059999997 | 68746.83884 | 111606.882 | 253282.38 | 170984.052 | 0 | 0 | 0 | 1517314.2369000001 1520 | Services médicaux | 0 | 726.99936 | 5303.1562699999995 | 1764.553 | 15148.5 | 43153.913 | 0 | 0 | 0 | 66097.12163000001 1530 | Services d'agence ou de représentation | 197 | 941.2188100000001 | 24.3436 | 11741.925 | 16999.53 | 25457.8691 | 0 | 0 | 0 | 55361.88651 1540 | Services d'enseignement | 19646 | 0 | 14784.77707 | 108118.604 | 4931.29 | 18782.085 | 0 | 0 | 0 | 166262.75607 1550 | Autres services | 410555 | 16261.32726 | 8530.9971 | 682177.252 | 311839.48 | 345835.75 | 0 | 0 | 0 | 1775199.8063599998 1560 | Crédit à la consommation | 2912302 | 81983.70218000001 | 1176141.23645 | 3177463.831 | 1498009.87 | 229363.929 | 173740.22 | 4338.44254 | 0 | 9253343.23117 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 13975928 | 1574069.79752 | 7929638.260180001 | 25495776.707000002 | 27070843.17 | 7932130.917330001 | 4281302.13 | 947192.2773200001 | 0 | 89206881.25935 (1) Commerce de gros Import-export | 72728 | 38183.3037 | 666032.88226 | 724339.424 | 1583283.47 | 72806 | 0 | 0 | 0 | 3157373.07996 Produits pétroliers | 0 | 0 | 83198.24827 | 79168.312 | 6500 | 91439 | 0 | 0 | 0 | 260305.56027000002 Produits pharmaceutiques | 0 | 0 | 13546.61458 | 138099.056 | 106996.22 | 12345 | 0 | 132600 | 0 | 403586.89058 Produits alimentaires | 851929 | 14220.03849 | 341582.52309 | 1728509.078 | 1082427.61 | 516619 | 0 | 0 | 0 | 4535287.2495800005 Matériaux de construction | 0 | 114106.28513 | 44988.68958 | 431752.057 | 341807.83 | 502303 | 0 | 0 | 0 | 1434957.86171 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 165143 | 126257.30567 | 34772.97928 | 726889.096 | 420538.88 | 175128 | 0 | 0 | 0 | 1648729.26095 S-Total | 1089800 | 292766.93299 | 1184121.9370600001 | 3828757.023 | 3541554.01 | 1370640 | - | 132600 | 0 | 11440239.903050002 (2) Commerce de détail Produits pétroliers | 22734 | 6200.22997 | 2476.4245699999997 | 147369.864 | 120955.58 | 21242 | 0 | 0 | 320978.09854 Produits pharmaceutiques | 7326 | 0 | 989.3670400000001 | 10516.502 | 1108.99 | 23402 | 0 | 0 | 0 | 43342.85904 Véhicules automobiles | 16787 | 0 | 145359.40511000002 | 1422244.901 | 1877548.64 | 121303 | 0 | 0 | 0 | 3583242.94611 Produits alimentaires | 1951 | 0 | 92111.01670000001 | 903080.429 | 672661.29 | 106597 | 0 | 0 | 0 | 1776400.7357 Librairie ,papeterie | 1139 | 0 | 0 | 32795.299 | 24650.85 | 14356 | 0 | 0 | 0 | 72941.149 Appareils électro- ménagers électroni.équip. inform. | 29230 | 0 | 40828.98966 | 321399.463 | 337126.19 | 188066 | 0 | 87187.212 | 0 | 1003837.85466 Matériaux de construction | 0 | 0 | 12379.362539999998 | 172785.243 | 373019.59 | 41 | 0 | 0 | 0 | 558225.19554 Autres | 47030 | 434149.11415 | 45561.64376 | 1388578.472 | 896060.59 | 79785 | 0 | 0 | 0 | 2891164.81991 S-Total | 126197 | 440349.34411999997 | 339706.20938 | 4398770.173 | 4303131.72 | 554792 | - | 87187.212 | 0 | 10250133.6585 [Secteur d'activité mars 17 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 2.9327706052851012e-06 | 0.00015950202446209398 | 0.026392422486188855 | 2.772268918552085e-07 | 0 | 0 | #DIV/0! | 0.008054952742053027 200 | Industrie alimentaire | 0.03743665536914615 | 0.006335457573553558 | 0.05863709183367531 | 0.002173472047422885 | 0.07069975611697948 | 0.048778079312165136 | 0.010509720789081523 | 0.19526615335517014 | #DIV/0! | 0.04018003645200092 210 | Industrie des boissons | 9.52351786586193e-05 | 0 | 0.0003853720623481042 | 0.03273714790461119 | 0.10043870421491567 | 0.04198753783455035 | - | 0.0753806821588751 | #DIV/0! | 0.044418736257912664 220 | Industrie du bois | 0.0031494867460679535 | 0 | 0 | 4.125181248984022e-05 | 0 | 0.00012501079600609754 | - | 0 | #DIV/0! | 0.0005163317935764322 230 | Industrie chimique | 0 | 0 | 0.02801004652574885 | 0.017022217365154614 | 0.0022696282348563432 | 0.007002666317400761 | - | 0.12580987109309047 | #DIV/0! | 0.010002111174764112 240 | Industrie du textile | 0.0046009824893202085 | 0 | 0.03125180556273883 | 0.028648748629786152 | 0.0001952000522043584 | 0.027410403240442957 | - | 0 | #DIV/0! | 0.01418329763610457 250 | Industrie pharmacie | 0 | 0 | 0.00594583946997473 | 3.141218285694017e-05 | 0.0002817887847857529 | 0.003983862007491539 | - | 0 | #DIV/0! | 0.0009772565515046817 260 | Imprimerie, édition | 0.0030028059675178635 | 0 | 0.0006637190799017016 | 0.004651303561481257 | 0.0028348788221360744 | 0.005887712833630359 | - | 0 | #DIV/0! | 0.003242612163169661 270 | Sidérurgie, aciérie | 0.02483098081215072 | 0 | 0.014074779634079618 | 0.016564242064610265 | 0.0010411031464004452 | 0.04012554675624734 | - | 0 | #DIV/0! | 0.013759328212826076 280 | Industrie de la fabrication | 0.004000306813257767 | 0.0021564906304333497 | 0.0405037159226869 | 0.04594034990424188 | 0.010787545780015688 | 0.02285200898587978 | - | 0 | #DIV/0! | 0.022700718191711787 290 | Autres industries | 0 | 0 | 0.002680014118262892 | 0.00021243843881457164 | 0.0029777849730714535 | 0.00868655254409153 | - | 0 | #DIV/0! | 0.0019749804611797696 300 | Production et distribution de l'électricité | 0.021207035411172696 | 0 | 0.03864487947689103 | 0.052532528716109764 | 0.005123763568388328 | 0.00011055049508627748 | - | 0.16364099635457108 | #DIV/0! | 0.025073923606376034 400 | Production et distribution de gaz | 0 | 0.0007533378137794637 | 8.585751047671946e-07 | 0.00024703067776204616 | 2.5858078952477638e-09 | 0.01397807211650529 | - | 0 | #DIV/0! | 0.0013268799426568191 500 | Traitement et distribution de l'eau | 0 | 0.0024128727747549216 | 0.04027322973655431 | 0.0010176094769796416 | 0.0014605621905348285 | 7.536436377946505e-07 | - | 0 | #DIV/0! | 0.004356609490809497 600 | Entrep/ batiment et corps/ métiers corresp. | 0.07088395131972632 | 0.0644068211776434 | 0.0899532106580368 | 0.09888383229006759 | 0.030341489729076656 | 0.044888424437383355 | - | 0 | #DIV/0! | 0.06169812073284562 700 | Commerce de gros(1) | 0.07797693290921362 | 0.18599361569052666 | 0.14932861981942674 | 0.15017220569510223 | 0.13082540457863395 | 0.172795854128611 | - | 0.13999269543791087 | #DIV/0! | 0.12824390988078535 800 | Commerce de détail(2) | 0.009029597175944239 | 0.2826159578951884 | 0.042840063850817935 | 0.17252936529650004 | 0.15895817071441443 | 0.06994239641051539 | 9.478891880961459e-05 | 0.09204806044944622 | #DIV/0! | 0.1149580331497705 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007373249203916906 | 0.0007616981037873996 | 0.002048026311812029 | 9.515171974870402e-05 | 0.0007799653622683966 | 0.0043876705216704965 | - | 0 | #DIV/0! | 0.0020046764919410993 1000 | Hotels,motels et pensions | 0.054165991696580006 | 0 | 0.0005485826133891326 | 0.06761959075860052 | 0.0012976965578571594 | 0.11650894162385797 | 0.07304457861281564 | 0 | #DIV/0! | 0.042120112525357196 1100 | Transport | 0.1203555856899091 | 0.09594479597915105 | 0.02067326422356608 | 0.010462084095942266 | 0.03677888360357266 | 0.007024787107113984 | - | 0 | #DIV/0! | 0.0371622922663551 1200 | Immobilier résidentiel | 0.10814551992540317 | 0.19714444781858986 | 0.14529329972535812 | 0.009400280985917091 | 0.0703432722077271 | 0.043452956537436895 | 0.6155536820289764 | 0 | #DIV/0! | 0.09077597266254889 1300 | Immobilier commercial | 0.13227221834571556 | 0.017840593990333005 | 0.10152504198996404 | 0.07274861677348937 | 0.17176091674724145 | 0.022101434132533307 | 0.2602160665544994 | 0 | #DIV/0! | 0.11743081304506452 1400 | Télécommunications | 0.013788708699701372 | 0 | 0.00037055886076867514 | 0.004433176572689694 | 0.005319552815391675 | 0.004731761539386418 | - | 0 | #DIV/0! | 0.005495242102398009 1500 | Services financiers | 0.0051804788919920025 | 0.06261505619718093 | 0.02574108170797776 | 0.05114502852709659 | 0.09150947365929421 | 0.18814800518980276 | - | 0.20328122240902732 | #DIV/0! | 0.06547994619616591 1510 | Services professionnels | 0.063328746398808 | 0.0175443834215675 | 0.008669605924550643 | 0.00437746546349999 | 0.009356279684730632 | 0.021555878714310753 | 0 | 0 | #DIV/0! | 0.017008937152378775 1520 | Services médicaux | 0 | 0.0004618596717536999 | 0.00066877656911926 | 6.920961931375609e-05 | 0.0005595872985880106 | 0.005440393439008676 | 0 | 0 | #DIV/0! | 0.0007409419620649746 1530 | Services d'agence ou de représentation | 1.409566506066717e-05 | 0.0005979523979704851 | 3.0699508856848412e-06 | 0.00046054392203616183 | 0.0006279645555643031 | 0.0032094615388129854 | 0 | 0 | #DIV/0! | 0.0006206010761551803 1540 | Services d'enseignement | 0.0014057027197049098 | 0 | 0.0018644957796176175 | 0.004240647588128408 | 0.0001821624087965192 | 0.002367848588954222 | 0 | 0 | #DIV/0! | 0.001863788462536051 1550 | Autres services | 0.029375866847625432 | 0.010330753620722707 | 0.001075836856624321 | 0.026756480488500062 | 0.011519385563342243 | 0.0435993497339313 | 0 | 0 | #DIV/0! | 0.019899807966596038 1560 | Crédit à la consommation | 0.2083798657234067 | 0.05208390524306361 | 0.14832218038951273 | 0.12462706539658429 | 0.05533665355721537 | 0.02891580224664335 | 0.0405811630958173 | 0.004580318741908722 | #DIV/0! | 0.10372902965039071 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 0.9999999999999998 | 0.9999999999999998 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 0.9999999999999999 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.005203804713361431 | 0.024257694137934084 | 0.08399284562633771 | 0.028410172881735692 | 0.05848666995916108 | 0.009178618048390319 | - | 0 | #DIV/0! | 0.0353938287650771 Produits pétroliers | 0 | 0 | 0.010492060991961493 | 0.0031051539598032298 | 0.00024011073313014947 | 0.011527671561777359 | - | 0 | #DIV/0! | 0.0029179986632781956 Produits pharmaceutiques | 0 | 0 | 0 | 0.00541654633969571 | 0.003952452434823809 | 0.0015563283219429509 | - | 0.13999269543791087 | #DIV/0! | 0.004524167697407301 Produits alimentaires | 0.06095688243385341 | 0.009033931349425641 | 0.04307668419192758 | 0.0677958980369258 | 0.03998499799960239 | 0.06512991343490039 | - | 0 | #DIV/0! | 0.05084010544427194 Matériaux de construction | 0 | 0.07249124867892028 | 0.005673485738424941 | 0.016934257856182907 | 0.012626419792450078 | 0.06332510207346376 | - | 0 | #DIV/0! | 0.016085730623607006 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | #DIV/0! | 0 Autres | 0.011816245761998774 | 0.08021074152424666 | 0.004385191119577082 | 0.02851017658153669 | 0.015534753659466454 | 0.022078304282318762 | - | 0 | #DIV/0! | 0.018482086108992768 S-Total | 0.0779769329092136 | 0.18599361569052666 | 0.1476202676682288 | 0.15017220565588002 | 0.13082540457863398 | 0.17279593772279356 | - | 0.13999269543791087 | #DIV/0! | 0.1282439173026343 (2) Commerce de détail Produits pétroliers | 0.00162665405832085 | 0.0039389803296960985 | 0.00031229981605034594 | 0.0057801676604556556 | 0.004468112767689607 | 0.002677968911681828 | - | 0 | #DIV/0! | 0.0035981316016062094 Produits pharmaceutiques | 0.0005241870164185161 | 0 | 0.00012476824383884843 | 0.00041248015782600726 | 4.096621568215453e-05 | 0.0029502790919488813 | - | 0 | #DIV/0! | 0.0004858690095216968 Véhicules automobiles | 0.0012011366973270039 | 0 | 0.01833115210815435 | 0.05578354867728015 | 0.06935685852891 | 0.015292611943025175 | - | 0 | #DIV/0! | 0.04016778633581511 Produits alimentaires | 0.00013959717022010988 | 0 | 0.01161604270935672 | 0.0354207851511366 | 0.02484818392156494 | 0.013438633465706985 | - | 0 | #DIV/0! | 0.01991327026146664 Librairie ,papeterie | 8.149727159441578e-05 | 0 | 0 | 0.0012863031935401235 | 0.0009106051793509761 | 0.0018098541425526937 | - | 0 | #DIV/0! | 0.0008176628077372098 Appareils électro- ménagers électroni.équip. inform. | 0.002091453247326403 | 0 | 0.005148909486203119 | 0.012605988305183032 | 0.012453479482811395 | 0.02370939183430725 | - | 0.09204806044944622 | #DIV/0! | 0.011252919511237651 Matériaux de construction | 0 | 0 | 0.0015611509798832853 | 0.006777014286941134 | 0.013779385727201197 | 0 | - | 0 | #DIV/0! | 0.006257647253882569 Autres | 0.003365071714736939 | 0.2758131277494915 | 0.005745740507331259 | 0.05446307786413734 | 0.03310057926060527 | 0.010058457283614285 | - | 0 | #DIV/0! | 0.032409661441975025 S-Total | 0.009029597175944237 | 0.2797521080791876 | 0.04284006385081792 | 0.17252936529650004 | 0.15895817108381555 | 0.0699371966728371 | - | 0.09204806044944622 | #DIV/0! | 0.1149029482232421 [Secteur d'activité mars 17 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2017 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1215997 | 737624.17661 | 1523828.14644 | 8227527.197000001 | 7844685.72 | 1925431.5819200003 | 405.82 | 219787.212 | 0 | 21695286.853970002 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2247946 | 145305.0643 | 322097.74873 | 3945831.397 | 3135683.8499999996 | 3055596.0330999997 | 312725.91000000003 | 192546.40399000002 | 0 | 13357732.40712 Industries Manufacturières ( 200 à 290 ) | 1077774 | 13366.91919 | 1444402.51501 | 3773950.747 | 5184780.87 | 1640677.046 | 44995.29 | 375520.73079 | 0 | 13555468.117989998 Prêts aux Particuliers ( 1560 ) | 2912302 | 81983.70218000001 | 1176141.23645 | 3177463.831 | 1498009.87 | 229363.929 | 173740.22 | 4338.44254 | 0 | 9253343.23117 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3360061 | 338401.46122999996 | 1957180.1657800002 | 2094449.9540000001 | 6553964.529999999 | 519986.00899999996 | 3749434.8899999997 | 0 | 0 | 18573478.01001 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1874791 | 151023.80558000001 | 166869.90467 | 379766.24 | 1139640.17 | 93254.48300000001 | 0 | 0 | 0 | 3805345.6032499997 Bâtiments et Travaux Publics ( 600 ) | 990669 | 101380.83197 | 713296.4208600001 | 2521120.108 | 821369.71 | 356060.85931 | 0 | 0 | 0 | 5503896.93014 Électricité, Gaz et Eau ( 300 à 500 ) | 296388 | 4983.83646 | 625798.86643 | 1371600.605 | 178243.32 | 111758.777 | 0 | 154999.488 | 0 | 2743772.89289 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 23.25581 | 4066.628 | 714465.13 | 2.199 | 0 | 0 | 0 | 718557.21281 Total | 13975928 | 1574069.7975199998 | 7929638.26018 | 25495776.706999995 | 27070843.170000006 | 7932130.917329999 | 4281302.13 | 947192.27732 | 0 | 89206881.25935 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.08700653008515785 | 0.4686095735857151 | 0.1921686836702447 | 0.32270157099160235 | 0.2897835752930483 | 0.24273825053912645 | 9.478891880961459e-05 | 0.23204075588735715 | #DIV/0! | 0.2432019430305559 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.16084413142368792 | 0.09231170341298273 | 0.04061947571397645 | 0.15476411808692425 | 0.11583251509044146 | 0.38521754935034924 | 0.07304457861281564 | 0.20328122240902735 | #DIV/0! | 0.14973881183319523 Industries Manufacturières ( 200 à 290 ) | 0.07711645337611928 | 0.00849194820398691 | 0.18215238420941696 | 0.14802258391146964 | 0.19152639012536524 | 0.2068393806279059 | 0.010509720789081523 | 0.3964567066071358 | #DIV/0! | 0.15195540889475065 Prêts aux Particuliers ( 1560 ) | 0.2083798657234067 | 0.05208390524306362 | 0.14832218038951275 | 0.12462706539658433 | 0.055336653557215364 | 0.028915802246643356 | 0.0405811630958173 | 0.004580318741908723 | #DIV/0! | 0.10372902965039071 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24041773827111873 | 0.2149850418089229 | 0.2468183417153222 | 0.0821488977594065 | 0.2421041889549685 | 0.06555439066997022 | 0.8757697485834759 | 0 | #DIV/0! | 0.20820678570761342 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.13414429438961048 | 0.09594479597915107 | 0.021043823084334758 | 0.014895260668631964 | 0.042098436418964325 | 0.011756548646500404 | 0 | 0 | #DIV/0! | 0.0426575343687531 Bâtiments et Travaux Publics ( 600 ) | 0.07088395131972632 | 0.06440682117764342 | 0.08995321065803681 | 0.09888383229006763 | 0.03034148972907665 | 0.04488842443738336 | 0 | 0 | #DIV/0! | 0.06169812073284562 Électricité, Gaz et Eau ( 300 à 500 ) | 0.021207035411172696 | 0.003166210588534386 | 0.07891896778855012 | 0.05379716887085147 | 0.0065843283447310505 | 0.014089376255229364 | 0 | 0.1636409963545711 | #DIV/0! | 0.03075741303984235 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 2.9327706052851016e-06 | 0.00015950202446209403 | 0.026392422486188852 | 2.7722689185520856e-07 | 0 | 0 | #DIV/0! | 0.008054952742053027 Total | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | #DIV/0! | 1 [Secteur d'activité déc. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 2.86339 | 8358.251 | 686990.07 | 0 | 0 | 0 | 0 | 695351.18439 200 | Industrie alimentaire | 435785 | 5780.0034000000005 | 364476.57951999997 | 485713.746 | 1909756.97 | 382984.98 | 41142.04 | 129027.14433 | 191013 | 3945679.46325 210 | Industrie des boissons | 1363 | 0 | 3094.87404 | 841673.32 | 2699024.04 | 337983.308 | 0 | 94988.04 | 63023 | 4041149.5820400002 220 | Industrie du bois | 22980 | 0 | 34.59961 | 3262.98 | 0 | 694.727 | 0 | 0 | 0 | 26972.30661 230 | Industrie chimique | 0 | 0 | 205364.18073 | 386031.262 | 61402.27 | 55611.087 | 0 | 123967.25631 | 0 | 832376.05604 240 | Industrie du textile | 67941 | 0 | 273609.49755000003 | 780450.242 | 4866.12 | 241839.919 | 0 | 0 | 9250 | 1377956.7785500002 250 | Industrie pharmacie | 0 | 0 | 2476.14946 | 17436.149 | 8216.4 | 31116.744 | 0 | 0 | 0 | 59245.44246 260 | Imprimerie, édition | 8323 | 0 | 6255.29504 | 79016.38 | 43993.54 | 44942.388 | 0 | 0 | 0 | 182530.60304000002 270 | Sidérurgie, aciérie | 347036 | 0 | 114528.92006 | 442369.624 | 47322.77 | 250984.496 | 0 | 0 | 49574 | 1251815.81006 280 | Industrie de la fabrication | 59632 | 3439.80517 | 232747.62600999998 | 1209116.021 | 349446.09 | 192438.15 | 0 | 0 | 5682 | 2052501.69218 290 | Autres industries | 0 | 0 | 11146.8061 | 29312.261 | 55939.36 | 62990.819 | 0 | 0 | 0 | 159389.2461 300 | Production et distribution de l'électricité | 479041 | 0 | 311164.30458 | 1487434.441 | 67394.4 | 3195.722 | 0 | 149650.50525999998 | 0 | 2497880.37284 400 | Production et distribution de gaz | 0 | 1731.22517 | 352.9756 | 2015.445 | 0.07 | 111371.55 | 0 | 0 | 0 | 115471.26577 500 | Traitement et distribution de l'eau | 0 | 4894.53313 | 303772.08931 | 66079.022 | 40528.07 | 1.624 | 0 | 0 | 0 | 415275.33844 600 | Entrep/ batiment et corps/ métiers corresp. | 1010630 | 198267.85444999998 | 708334.25706 | 2717198.813 | 764139.77 | 320097.65331 | 0 | 0 | 428423 | 6147091.34782 700 | Commerce de gros(1) | 696876 | 290205.42068 | 930792.04192 | 4296548.442 | 3261441.74 | 1242535.58598 | 0 | 176406.36 | 30467 | 10925272.59058 800 | Commerce de détail(2) | 116531 | 447014.02119 | 211332.74159 | 4132767.234 | 4021629.71 | 546066.743 | 584.4 | 84178.40921 | 8398 | 9568502.258990003 900 | Rest/débits/boissons, casinos/activités/loterie | 100654 | 2189.4061 | 16189.067939999999 | 28862.675 | 21762.41 | 37965.586 | 0 | 0 | 0 | 207623.14504 1000 | Hotels,motels et pensions | 612383 | 0 | 31453.608070000002 | 1492828.692 | 37580.87 | 834261.35 | 314447.68 | 0 | 0 | 3322955.2000700003 1100 | Transport | 1596214 | 151323.39733 | 178010.69873 | 90610.778 | 999013.13 | 35478.375 | 0 | 0 | 0 | 3050650.37906 1200 | Immobilier résidentiel / Avance Hypothécaire | 1458908 | 308639.88079 | 1118630.05776 | 248491.306 | 1789417.45 | 398658.82148000004 | 2635767.51 | 0 | 808940 | 8767453.02603 1300 | Immobilier commercial | 1156682 | 29492.42043 | 696708.72209 | 1465978.881 | 4595523.32 | 187989.054 | 1092441.76 | 0 | 11284 | 9236100.15752 1400 | Télécommunications | 199627 | 0 | 3517.17933 | 123031.754 | 158903.05 | 39490.874 | 0 | 0 | 158215 | 682784.85733 1500 | Services financiers | 76725 | 98374.19715 | 145344.95135 | 1637522.969 | 2679611.48 | 1431713.391 | 0 | 125249.62026000001 | 622028 | 6816569.60876 1510 | Services professionnels | 900063 | 27612.436850000002 | 84934.70023999999 | 630832.312 | 320446.92 | 181719.779 | 0 | 0 | 65716 | 2211325.1480900003 1520 | Services médicaux | 0 | 868.7529000000001 | 3287.2553399999997 | 40280.403 | 19023.7 | 44908.784 | 0 | 0 | 910 | 109278.89524 1530 | Services d'agence ou de représentation | 407 | 941.2188100000001 | 2394.5638799999997 | 28901.023 | 14170.68 | 16573.272800000002 | 0 | 0 | 0 | 63387.75849000001 1540 | Services d'enseignement | 23966 | 0 | 12213.52288 | 149228.158 | 6403.37 | 15994.975 | 0 | 0 | 7547 | 215353.02588 1550 | Autres services | 451350 | 17128.96682 | 8673.50574 | 1100971.637 | 324087.58 | 378099.783 | 0 | 0 | 11483 | 2291794.47256 1560 | Crédit à la consommation | 3333308 | 120687.80652 | 1123691.08238 | 2077870.339 | 1515556.33 | 179897.724 | 135426.32 | 0 | 634308 | 9120745.6019 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 13156425 | 1708591.34689 | 7104534.7173 | 26100194.560000002 | 26503591.68 | 7607607.265570001 | 4219809.71 | 883467.3353699999 | 3106261 | 90390482.61512998 (1) Commerce de gros Import-export | 35853 | 37731.26498 | 286551.30374 | 955099.495 | 1405261.65 | 90046 | 2810542.71372 Produits pétroliers | 0 | 0 | 93301.68539 | 4011.016 | 6500 | 93856 | 197668.70139 Produits pharmaceutiques | 0 | 0 | 13253.08382 | 140674.463 | 116699.82 | 13358 | 283985.36682 Produits alimentaires | 455435 | 18715.29864 | 308957.89441 | 1935565.17 | 804349.72 | 444191 | 176406.36 | 3957 | 4147577.4430499994 Matériaux de construction | 0 | 111166.89892 | 203531.59159 | 416544.279 | 367340.35 | 474132 | 26509 | 1599224.11951 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 205588 | 122591.95814 | 25196.482949999998 | 844654.02 | 561290.2 | 126953 | 0 | 0 | 1886273.6610899998 S-Total | 696876 | 290205.42068 | 930792.0419 | 4296548.443 | 3261441.74 | 1242536 | - | 176406.36 | 30466 | 10925272.005579999 (2) Commerce de détail Produits pétroliers | 21027 | 6990.63075 | 2600.9317 | 135241.221 | 140062.89 | 9329 | 315251.67345 Produits pharmaceutiques | 7742 | 0 | 294.7079 | 6200.399 | 1175.26 | 24184 | 1189 | 40785.3669 Véhicules automobiles | 19640 | 0 | 45680.596549999995 | 1380457.811 | 2000336.09 | 98854 | 3544968.49755 Produits alimentaires | 2115 | 0 | 59865.84543 | 896311.734 | 699593.19 | 104491 | 5064 | 1767440.7694299999 Librairie ,papeterie | 1209 | 0 | 4109.76144 | 34696.289 | 22560.24 | 13881 | 411 | 76867.29044 Appareils électro- ménagers électroni.équip. inform. | 470 | 0 | 40331.05993 | 322377.121 | 197575.5 | 210944 | 84178.40921 | 855876.09014 Matériaux de construction | 18156 | 0 | 14157.09041 | 166653.601 | 299127.43 | 224 | 498318.12141 Autres | 46172 | 440023.39044 | 44292.74823 | 1190829.058 | 661199.11 | 84160 | 1734 | 2468410.30667 S-Total | 116531 | 447014.02119 | 211332.74159000002 | 4132767.2339999992 | 4021629.7100000004 | 546067 | - | 84178.40921 | 8398 | 9567918.115989998 [Secteur d'activité déc. 16 (%] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 décembre 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.0303694948910037e-07 | 0.00032023711473819753 | 0.025920640428459846 | 0 | 0 | 0 | 0 | 0.007692747779107541 200 | Industrie alimentaire | 0.03312335987929852 | 0.0033829056962747924 | 0.051301963326673035 | 0.018609583345573343 | 0.07205653456550686 | 0.05034237002917957 | 0.009749738217460996 | 0.14604630999284526 | 0.06149290095069281 | 0.043651492381671986 210 | Industrie des boissons | 0.00010359957207220047 | 0 | 0.00043561952515536065 | 0.03224777953532619 | 0.10183616139984239 | 0.04442701840427834 | - | 0.10751731976623516 | 0.02028902271895375 | 0.04470768896374466 220 | Industrie du bois | 0.0017466751036090732 | 0 | 4.870074026909562e-06 | 0.00012501745887368587 | 0 | 9.132004002679645e-05 | - | 0 | 0 | 0.0002983976391059256 230 | Industrie chimique | 0 | 0 | 0.028906070404572024 | 0.014790359555082181 | 0.0023167527911447205 | 0.0073099313698383106 | - | 0.14031900371062614 | 0 | 0.009208669231075365 240 | Industrie du textile | 0.0051640928291690185 | 0 | 0.03851195165303975 | 0.029902085220317984 | 0.0001836022852582673 | 0.03178922236095216 | - | 0 | 0.0029778566578919155 | 0.015244489670634322 250 | Industrie pharmacie | 0 | 0 | 0.0003485308410092524 | 0.0006680467059322948 | 0.00031001081284391413 | 0.004090214296527382 | - | 0 | 0 | 0.0006554389438571625 260 | Imprimerie, édition | 0.0006326186635047135 | 0 | 0.0008804651238831945 | 0.003027424941923498 | 0.0016599086090357397 | 0.0059075588987614076 | - | 0 | 0 | 0.0020193564384116606 270 | Sidérurgie, aciérie | 0.026377682387122642 | 0 | 0.016120537743466116 | 0.016948901395469135 | 0.0017855229046450506 | 0.032991252996969075 | - | 0 | 0.015959380103603656 | 0.013848978054360618 280 | Industrie de la fabrication | 0.004532538284526382 | 0.002013240425372151 | 0.03276043193134724 | 0.04632593899713826 | 0.013184857894701765 | 0.025295489538599565 | - | 0 | 0.0018292088140693908 | 0.022707055353595854 290 | Autres industries | 0 | 0 | 0.0015689706002641958 | 0.0011230667623038592 | 0.002110633180415795 | 0.008279977764504174 | - | 0 | 0 | 0.0017633410231767109 300 | Production et distribution de l'électricité | 0.036411183129155526 | 0 | 0.043797984943657865 | 0.05698940050353402 | 0.0025428402615656352 | 0.00042006926599155356 | - | 0.16938996980270438 | 0 | 0.02763432941801655 400 | Production et distribution de gaz | 0 | 0.0010132470664510845 | 4.968314098606368e-05 | 7.721953931672147e-05 | 2.6411514652492567e-09 | 0.014639497822664677 | - | 0 | 0 | 0.001277471503959775 500 | Traitement et distribution de l'eau | 0 | 0.002864659907653806 | 0.04275749241822908 | 0.0025317444223680145 | 0.001529153878060349 | 2.134705359134127e-07 | - | 0 | 0 | 0.0045942374288251596 600 | Entrep/ batiment et corps/ métiers corresp. | 0.07681646039862652 | 0.11604170582444404 | 0.09970170957644284 | 0.10410645816273945 | 0.02883155533129614 | 0.042075996057088345 | - | 0 | 0.13792240896692196 | 0.06800595781741153 700 | Commerce de gros(1) | 0.05296849258062126 | 0.1698506908677933 | 0.13101379315572367 | 0.16461748712726834 | 0.12305659472037264 | 0.163328040289801 | - | 0.19967502242300816 | 0.009808255004972215 | 0.12086751032294275 800 | Commerce de détail(2) | 0.008857345365477325 | 0.2616272299421747 | 0.029746176209877778 | 0.15834239183541166 | 0.15173904573223487 | 0.07177903957678682 | 0.00013848965715565405 | 0.09528185801543611 | 0.0027035719149163576 | 0.10585740868019641 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007650558567391978 | 0.0012814100363935388 | 0.002278695028483509 | 0.001105841373467524 | 0.0008211117294122153 | 0.004990476594634703 | - | 0 | 0 | 0.002296958031787819 1000 | Hotels,motels et pensions | 0.04654630722251676 | 0 | 0.004427257986847251 | 0.05719607524642145 | 0.0014179538552263119 | 0.10966146396326794 | 0.07451702839936827 | 0 | 0 | 0.036762224339687156 1100 | Transport | 0.12132581609365767 | 0.0885661733014397 | 0.025055926364401102 | 0.0034716514389078945 | 0.03769349988718208 | 0.004663539239277723 | - | 0 | 0 | 0.03374968570584187 1200 | Immobilier résidentiel | 0.11088939434534838 | 0.1806399648176788 | 0.15745296522178487 | 0.0095206687225553 | 0.06751603600014411 | 0.05240265533740463 | 0.6246176228643258 | 0 | 0.26042241782000936 | 0.0969953115900552 1300 | Immobilier commercial | 0.08791765240177328 | 0.01726124885490172 | 0.09806535541215239 | 0.05616735452411892 | 0.17339247357435897 | 0.02471066755125337 | 0.25888412868740474 | 0 | 0.0036326631921786354 | 0.10218000712360417 1400 | Télécommunications | 0.01517334686284458 | 0 | 0.000495061178522422 | 0.004713825167746182 | 0.005995528904858226 | 0.0051909716973331625 | - | 0 | 0.05093422606793183 | 0.0075537250999887055 1500 | Services financiers | 0.005831751406632121 | 0.0575762000252793 | 0.020458053501529898 | 0.06273987595133083 | 0.10110371123858183 | 0.1881949660413666 | - | 0.14177051628914492 | 0.20024975364272352 | 0.07541247055604293 1510 | Services professionnels | 0.06841242966839396 | 0.0161609368444131 | 0.011954998267962366 | 0.02416964021282759 | 0.012090697889894446 | 0.0238865878135449 | 0 | 0 | 0.021155981419462178 | 0.024464136976738063 1520 | Services médicaux | 0 | 0.000508461488805568 | 0.00046269818796089787 | 0.0015432989553929208 | 0.0007177781875637468 | 0.005903141741194392 | 0 | 0 | 0.00029295670904666413 | 0.001208964617495121 1530 | Services d'agence ou de représentation | 3.093545549037827e-05 | 0.0005508741523906338 | 0.0003370472487338379 | 0.0011073106345457066 | 0.0005346701749368334 | 0.0021785131936300404 | 0 | 0 | 0 | 0.0007012658485285028 1540 | Services d'enseignement | 0.0018216194748953457 | 0 | 0.0017191165031904601 | 0.005717511325708676 | 0.00024160385797190187 | 0.002102497466238693 | 0 | 0 | 0.002429609102390301 | 0.0023824745664534513 1550 | Autres services | 0.03430643202845758 | 0.010025198155883423 | 0.0012208407848130372 | 0.042182506895458174 | 0.012228062668372652 | 0.04970022371044029 | 0 | 0 | 0.0036967273516294993 | 0.025354378096620417 1560 | Crédit à la consommation | 0.2533597082794148 | 0.07063585259265037 | 0.15816533060831414 | 0.07961129692820189 | 0.05718305459496122 | 0.023647083467908375 | 0.03209299217428456 | 0 | 0.20420305956260598 | 0.10090382679706289 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1.0000000000000004 (1) Commerce de gros Import-export | 0.0027251323972887773 | 0.022083258848687802 | 0.04033357779816729 | 0.03659357759975257 | 0.053021555227944106 | 0.011836310269001945 | - | 0 | 0 | 0.031093347799534352 Produits pétroliers | 0 | 0 | 0.013132694694672176 | 0.00015367762837090513 | 0.0002452497789160024 | 0.012337124765202746 | - | 0 | 0 | 0.002186830910413939 Produits pharmaceutiques | 0 | 0 | 0 | 0.005389785990928643 | 0.00440317000839035 | 0.0017558740263124177 | - | 0 | 0 | 0.00314176181611033 Produits alimentaires | 0.034616926710713584 | 0.010953642410788179 | 0.04348742130257561 | 0.07415903224592667 | 0.030348706307868987 | 0.0583877406514253 | - | 0.19967502242300816 | 0.0012738787886787362 | 0.04588511227127533 Matériaux de construction | 0 | 0.0650634799961661 | 0.028648124006542958 | 0.015959431951452854 | 0.013860021480681066 | 0.06232340648626735 | - | 0 | 0.008534054285843978 | 0.017692394965068088 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.01562643347261889 | 0.07175030961215124 | 0.0035465352697404574 | 0.03236198174915061 | 0.021177891916572114 | 0.016687638513433176 | - | 0 | 0 | 0.020868056088620402 S-Total | 0.05296849258062125 | 0.1698506908677933 | 0.1291483530716985 | 0.16461748716558225 | 0.12305659472037263 | 0.16332809471164295 | - | 0.19967502242300816 | 0.009807933074522714 | 0.12086750385102242 (2) Commerce de détail Produits pétroliers | 0.004189111827389048 | 0 | 0.004014391855429044 | 0.0011665486617489463 | 0.0017348770463548853 | 0.004448076738703526 | - | 0 | #DIV/0! | 0.002291940959462693 Produits pharmaceutiques | 0 | 0 | 0.00013860448825868255 | 4.228813123875291e-06 | 0.0001091382580419256 | 0.00019854111903084464 | - | 0 | #DIV/0! | 7.016561637524103e-05 Véhicules automobiles | 0.0010064040855946022 | 0 | 0.003808062353415466 | 0.02559117767420288 | 0.05770788887857303 | 0.04173572831133583 | - | 0 | #DIV/0! | 0.03146258750817694 Produits alimentaires | 0.006525995144565175 | 0 | 0.034025197999337335 | 0.014864306215874888 | 0.036932592501709056 | 0.015352075431168273 | - | 0 | #DIV/0! | 0.022564783579663145 Librairie ,papeterie | 7.397338625677486e-06 | 0 | 0 | 0.0007387266836909887 | 0.002278344910867879 | 7.674797940532204e-07 | - | 0 | #DIV/0! | 0.0009903520984834685 Appareils électro- ménagers électroni.équip. inform. | 0.00018845699482760589 | 0 | 0.004334787407877403 | 0.006619318682956672 | 0.0439714097720231 | 0.04527109446418837 | - | 0 | #DIV/0! | 0.021427657112564898 Matériaux de construction | 0.0034380268119164554 | 0 | 0.0013937354877970889 | 0.00246486645863814 | 0.029527983399700867 | 0 | - | 0 | #DIV/0! | 0.01129155070324652 Autres | 0.03041785394158875 | 0.3498907757718453 | 0.030446787818713128 | 0.07064173196225626 | 0.03125167082124464 | 0.010573392011949513 | - | 0 | #DIV/0! | 0.04263643786962351 S-Total | 0.04577324614450731 | 0.3498907757718453 | 0.07816156741082815 | 0.12209090515249266 | 0.2035139055885154 | 0.11757967555617041 | - | 0 | #DIV/0! | 0.1327354754475964 [Secteur d'activité déc.16 g ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 décembre 2016 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 813407 | 737219.44187 | 1142124.78351 | 8429315.675999999 | 7283071.45 | 1788602.32898 | 584.4 | 260584.76921 | 38865 | 20493774.849569995 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2165548 | 147114.97863 | 304491.17543999996 | 5109427.869 | 3423087.0100000007 | 2941236.9208000004 | 314447.68 | 125249.62026000001 | 707684 | 15238287.254130002 Industries Manufacturières ( 200 à 290 ) | 943060 | 9219.808570000001 | 1213734.52812 | 4274381.984999999 | 5179967.56 | 1601586.6179999998 | 41142.04 | 347982.44064 | 318542 | 13929616.98033 Prêts aux Particuliers ( 1560 ) | 3333308 | 120687.80652 | 1123691.08238 | 2077870.339 | 1515556.33 | 179897.724 | 135426.32 | 0 | 634308 | 9120745.6019 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 2615590 | 338132.30122 | 1815338.77985 | 1714470.1870000002 | 6384940.7700000005 | 586647.87548 | 3728209.2699999996 | 0 | 820224 | 18003553.18355 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1795841 | 151323.39733 | 181527.87806000002 | 213642.532 | 1157916.18 | 74969.24900000001 | 0 | 0 | 158215 | 3733435.23639 Bâtiments et Travaux Publics ( 600 ) | 1010630 | 198267.85444999998 | 708334.25706 | 2717198.813 | 764139.77 | 320097.65331 | 0 | 0 | 428423 | 6147091.34782 Électricité, Gaz et Eau ( 300 à 500 ) | 479041 | 6625.7582999999995 | 615289.36949 | 1555528.9080000003 | 107922.54000000001 | 114568.896 | 0 | 149650.50525999998 | 0 | 3028626.9770500003 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 2.86339 | 8358.251 | 686990.07 | 0 | 0 | 0 | 0 | 695351.18439 Total | 13156425 | 1708591.3468900002 | 7104534.717299999 | 26100194.56 | 26503591.68 | 7607607.26557 | 4219809.71 | 883467.33537 | 3106261 | 90390482.61512999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.061825837946098576 | 0.43147792080996794 | 0.16075996936560147 | 0.32295987896268 | 0.2747956404526075 | 0.23510707986658785 | 0.00013848965715565405 | 0.29495688043844426 | 0.012511826919888573 | 0.22672491900313904 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1646000338237781 | 0.08610308070316554 | 0.04285870750952126 | 0.19576206059515291 | 0.12915558960195997 | 0.3866178705243177 | 0.07451702839936827 | 0.1417705162891449 | 0.22782502822525216 | 0.16858287303335345 Industries Manufacturières ( 200 à 290 ) | 0.07168056671930255 | 0.005396146121646943 | 0.1708394112234371 | 0.16376820391794045 | 0.1954439844433945 | 0.2105243556996368 | 0.009749738217460996 | 0.39388263346970653 | 0.10254836924521153 | 0.15410490769963422 Prêts aux Particuliers ( 1560 ) | 0.2533597082794148 | 0.07063585259265037 | 0.15816533060831414 | 0.0796112969282019 | 0.05718305459496122 | 0.023647083467908375 | 0.03209299217428456 | 0 | 0.20420305956260598 | 0.10090382679706288 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.19880704674712166 | 0.19790121367258048 | 0.25551832063393726 | 0.06568802324667423 | 0.2409085095745031 | 0.077113322888658 | 0.8835017515517304 | 0 | 0.26405508101218794 | 0.19917531871365934 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.13649916295650225 | 0.08856617330143969 | 0.02555098754292353 | 0.008185476606654078 | 0.043689028792040306 | 0.009854510936610888 | 0 | 0 | 0.05093422606793183 | 0.04130341080583057 Bâtiments et Travaux Publics ( 600 ) | 0.07681646039862652 | 0.11604170582444402 | 0.09970170957644285 | 0.10410645816273946 | 0.02883155533129614 | 0.04207599605708835 | 0 | 0 | 0.13792240896692196 | 0.06800595781741152 Électricité, Gaz et Eau ( 300 à 500 ) | 0.036411183129155526 | 0.0038779069741048905 | 0.08660516050287302 | 0.059598364465218774 | 0.00407199678077745 | 0.015059780559192144 | 0 | 0.16938996980270435 | 0 | 0.03350603835080149 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.030369494891004e-07 | 0.0003202371147381976 | 0.025920640428459846 | 0 | 0 | 0 | 0 | 0.0076927477791075395 Total | 0.9999999999999999 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 [Secteur d'activité sept. 16] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 8.85384 | 7954.259 | 0 | 0 | 0 | 0 | 0 | 7963.11284 200 | Industrie alimentaire | 93460 | 5780.0034000000005 | 191299.35254 | 427062.236 | 1857046.87 | 354573.387 | 26932.01 | 138099.8964 | 239485 | 3333738.7553399997 210 | Industrie des boissons | 1372 | 0 | 9094.51485 | 971885.456 | 2485173.95 | 140849.197 | 0 | 117275.76 | 66076 | 3791726.8778500003 220 | Industrie du bois | 15439 | 0 | 10013.08783 | 3606.966 | 0 | 969.82 | 0 | 0 | 0 | 30028.87383 230 | Industrie chimique | 0 | 0 | 14640.51494 | 322304.533 | 74162.5 | 56684.693 | 0 | 128741.03232 | 0 | 596533.27326 240 | Industrie du textile | 73259 | 0 | 111668.04076999999 | 780865.518 | 4616.44 | 204354.443 | 0 | 0 | 7435 | 1182198.44177 250 | Industrie pharmacie | 0 | 0 | 6715.45017 | 17634.359 | 2565.19 | 32444.16 | 0 | 0 | 0 | 59359.15917 260 | Imprimerie, édition | 16786 | 0 | 4816.01013 | 157627.112 | 36122.41 | 77707.754 | 0 | 0 | 4494 | 297553.28613 270 | Sidérurgie, aciérie | 347036 | 0 | 143264.28512000002 | 444349.504 | 76426.02 | 220866.303 | 0 | 0 | 50459 | 1282401.1121200002 280 | Industrie de la fabrication | 61504 | 3471.5940499999997 | 167834.5011 | 1335603.687 | 357187.25 | 154637.502 | 0 | 0 | 1898 | 2082136.53415 290 | Autres industries | 0 | 0 | 160274.14904 | 131567.472 | 366835.99 | 66469.538 | 0 | 149461.6532 | 0 | 874608.8022400001 300 | Production et distribution de l'électricité | 446347 | 0 | 320499.74552 | 1109133.244 | 65536.8 | 239.402 | 0 | 0 | 0 | 1941756.1915199999 400 | Production et distribution de gaz | 0 | 1991.44471 | 874.08243 | 2504.429 | 89326.43 | 111715.291 | 0 | 0 | 0 | 206411.67713999999 500 | Traitement et distribution de l'eau | 0 | 7058.053150000001 | 299069.88724 | 47806.979 | 37004.57 | 5.883 | 0 | 0 | 0 | 390945.37239 600 | Entrep/ batiment et corps/ métiers corresp. | 1030319 | 109011.81542 | 711550.24454 | 2808784.442 | 729233.77 | 350449.88648000004 | 0 | 0 | 263587 | 6002936.158439999 700 | Commerce de gros(1) | 674585 | 291599.06827999995 | 952354.90876 | 4097032.977 | 3506808.23 | 1359146.4268 | 0 | 217797.84 | 11782 | 11111106.45084 800 | Commerce de détail(2) | 105321 | 461120.52403 | 195970.47025 | 3989980.142 | 4057719.65 | 510854.05 | 699.06 | 84072.17992 | 7260 | 9412997.076200001 900 | Rest/débits/boissons, casinos/activités/loterie | 98787 | 4123.83202 | 15906.198349999999 | 28264.149 | 22524.47 | 32312.986 | 0 | 0 | 0 | 201918.63537 1000 | Hotels,motels et pensions | 574918 | 0 | 30891.063149999998 | 1450360.295 | 60188.81 | 813842.034 | 315297.13 | 0 | 0 | 3245497.3321499997 1100 | Transport | 1560837 | 153123.54994 | 217895.63706 | 75192.216 | 651278.05 | 32294.282 | 0 | 0 | 0 | 2690620.7350000003 1200 | Immobilier résidentiel / Avance Hypothécaire | 1429818 | 311137.84364 | 1035465.75943 | 255469.533 | 1768911.73 | 408231.204 | 2524152.72 | 0 | 792510 | 8525696.790070001 1300 | Immobilier commercial | 899225 | 29941.753539999998 | 471503.20225 | 1304337.924 | 4761777.7 | 93245.402 | 1159031.32 | 0 | 13967 | 8733029.301789999 1400 | Télécommunications | 246900 | 0 | 3646.7466099999997 | 127224.312 | 183246.92 | 37915.403 | 0 | 0 | 153854 | 752787.38161 1500 | Services financiers | 85549 | 86594.69965000001 | 119656.60457 | 1649354.295 | 2336040.86 | 1336913.933 | 0 | 77535.02437 | 635599 | 6327243.41659 1510 | Services professionnels | 901730 | 27451.660809999998 | 53864.94053 | 598920.54 | 302508.24 | 198448.457 | 0 | 0 | 71030 | 2153953.8383400002 1520 | Services médicaux | 0 | 998.4891899999999 | 3483.65875 | 41120.732 | 24401.62 | 47191.427 | 0 | 0 | 1145 | 118340.92694 1530 | Services d'agence ou de représentation | 1521 | 1058.40156 | 0.74427 | 28684.531 | 24667.94 | 7378.231 | 0 | 0 | 0 | 63310.84783 1540 | Services d'enseignement | 23079 | 0 | 9464.889449999999 | 151258.693 | 8288.22 | 17053.249 | 0 | 0 | 7110 | 216254.05145 1550 | Autres services | 470208 | 17990.21457 | 11556.63282 | 1052832.902 | 318336 | 457638.73 | 0 | 0 | 13213 | 2341775.47939 1560 | Crédit à la consommation | 3382134 | 146726.18811000002 | 1039550.45393 | 2035162.21 | 1518853.34 | 178451.55 | 152863.59 | 0 | 638962 | 9092703.33204 1570 | Zone Franche | 0 | 0 | 281497.47002 | 334689.683 | 0 | 0 | 0 | 0 | 0 | 616187.1530200001 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 723382.11 | 0 | 0 | 0 | 0 | 723382.11 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 10703.32 | 0 | 0 | 0 | 0 | 10703.32 Total | 12540134 | 1659179.13607 | 6594332.10026 | 25788575.329999994 | 26460875.400000006 | 7302884.624279999 | 4178975.83 | 912983.38621 | 2979866 | 88417805.80681996 (1) Commerce de gros Import-export | 40997 | 38477.17 | 480886.19 | 926447.91 | 1599901.62 | 132487 | 0 | 0 | 0 | 3219196.89 Produits pétroliers | 0 | 0 | 0 | 3790.79 | 0 | 105931 | 0 | 0 | 0 | 109721.79 Produits pharmaceutiques | 0 | 0 | 0 | 140532.02 | 117279.92 | 12185 | 0 | 0 | 0 | 269996.94 Produits alimentaires | 425371 | 18893.67 | 303150.21 | 1883830.76 | 847937.12 | 440114 | 0 | 217797.84 | 3785 | 4140879.6 Matériaux de construction | 0 | 108378.09 | 0 | 277868.61 | 399763.72 | 492596 | 0 | 0 | 7997 | 1286603.42 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 208216 | 125850.13 | 168318.51 | 864563.89 | 541925.85 | 175833.6 | 0 | 0 | 0 | 2084707.98 S-Total | 674584 | 291599.06 | 952354.91 | 4097033.98 | 3506808.23 | 1359146.6 | - | 217797.84 | 11782 | 11111106.620000001 (2) Commerce de détail Produits pétroliers | 20448 | 6863.81 | 13448.94 | 120083.89 | 140973.02 | 13269 | 0 | 0 | 0 | 315086.66000000003 Produits pharmaceutiques | 8107 | 0 | 505.49 | 6260.02 | 8035.49 | 18334 | 0 | 0 | 1012 | 42254 Véhicules automobiles | 10931 | 0 | 16661.02 | 1255009.62 | 2177823.42 | 98846 | 0 | 0 | 0 | 3559271.06 Produits alimentaires | 2273 | 0 | 93322.98 | 1085500.09 | 542180.28 | 113031 | 0 | 0 | 4695 | 1841002.35 Librairie ,papeterie | 1231 | 0 | 1.33 | 37490.88 | 26491.31 | 13565 | 0 | 0 | 534 | 79313.52 Appareils électro- ménagers électroni.équip. inform. | 18163 | 0 | 32201.24 | 310677.73 | 217451.58 | 190078 | 0 | 84072.18 | 0 | 852643.73 Matériaux de construction | 0 | 1184.66 | 0 | 257614.67 | 347672.81 | 654 | 0 | 0 | 0 | 607126.14 Autres | 44169 | 438981.64 | 39829.46 | 917343.26 | 597091.74 | 63077 | 0 | 0 | 1020 | 2101512.1 S-Total | 105322 | 447030.11 | 195970.46 | 3989980.16 | 4057719.6500000004 | 510854 | - | 84072.18 | 7261 | 9398209.56 [Secteur d'activité sept. 16 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 septembre 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 1.3426439350318606e-06 | 0.0003084411953050685 | 0 | 0 | 0 | 0 | 0 | 9.006232135412004e-05 200 | Industrie alimentaire | 0.007452870918285243 | 0.0034836524124156687 | 0.029009663091195768 | 0.01656013294783276 | 0.07018085539225961 | 0.048552511129800004 | 0.006444643638917624 | 0.1512622228245399 | 0.08036770780968003 | 0.037704382334749785 210 | Industrie des boissons | 0.00010940871923697147 | 0 | 0.0013791411642191062 | 0.03768666719907556 | 0.09391881078885242 | 0.019286789295796452 | - | 0.12845333416946186 | 0.022174151455132546 | 0.04288420011388172 220 | Industrie du bois | 0.0012311670672737628 | 0 | 0.0015184385132203466 | 0.00013986681907953233 | 0 | 0.00013279957850841932 | - | 0 | 0 | 0.0003396247345880616 230 | Industrie chimique | 0 | 0 | 0.0022201664577103657 | 0.012497958063819885 | 0.0028027228456697236 | 0.007761959269018113 | - | 0.1410113636946156 | 0 | 0.006746754998233483 240 | Industrie du textile | 0.0058419630922604176 | 0 | 0.01693394252400439 | 0.030279513622127656 | 0.00017446285998535025 | 0.027982701838199665 | - | 0 | 0.0024950786377642485 | 0.013370592393492907 250 | Industrie pharmacie | 0 | 0 | 0.0010183669957621979 | 0.0006838050871110298 | 9.694274891600901e-05 | 0.004442649948505617 | - | 0 | 0 | 0.0006713484758906043 260 | Imprimerie, édition | 0.0013385821873992735 | 0 | 0.0007303256882998227 | 0.006112284605991068 | 0.0013651252822875239 | 0.010640693095663045 | - | 0 | 0.0015081215061348396 | 0.003365309548396967 270 | Sidérurgie, aciérie | 0.027674026449797107 | 0 | 0.021725367018496297 | 0.017230478935495352 | 0.0028882649891469572 | 0.030243707023069052 | - | 0 | 0.016933311766368017 | 0.014503878493907212 280 | Industrie de la fabrication | 0.004904572790051525 | 0.00209235637944614 | 0.025451326767934945 | 0.051790518472196664 | 0.01349869362220722 | 0.021174852124306417 | - | 0 | 0.0006369413926666501 | 0.023548837421946044 290 | Autres industries | 0 | 0 | 0.02430483430364096 | 0.0051017735689705525 | 0.013863335375518223 | 0.009101819543883774 | - | 0.16370687074651932 | 0 | 0.009891772299245845 300 | Production et distribution de l'électricité | 0.03559347930412865 | 0 | 0.04860230583585006 | 0.04300870559180286 | 0.0024767434564919944 | 3.278184064473057e-05 | - | 0 | 0 | 0.02196114429442475 400 | Production et distribution de gaz | 0 | 0.0012002590116441663 | 0.0001325505626211238 | 9.711389512419416e-05 | 0.003375792699586952 | 0.01529741968380257 | - | 0 | 0 | 0.002334503500244956 500 | Traitement et distribution de l'eau | 0 | 0.004253942806150514 | 0.045352566824501964 | 0.0018538045777343067 | 0.001398463559523809 | 8.055720859180372e-07 | - | 0 | 0 | 0.004421568357443281 600 | Entrep/ batiment et corps/ métiers corresp. | 0.08216172171684928 | 0.06570225785156018 | 0.10790330752555595 | 0.10891584378189846 | 0.02755894349587542 | 0.047987871164615496 | - | 0 | 0.08845599097409078 | 0.06789284243894879 700 | Commerce de gros(1) | 0.05379408226419271 | 0.17574899656145238 | 0.1444202224395782 | 0.15887007810911907 | 0.1325280504514223 | 0.18611089955895338 | - | 0.2385561920290006 | 0.003953869066595612 | 0.12566593741441798 800 | Commerce de détail(2) | 0.008398714080726729 | 0.27792087906929025 | 0.029718016513343836 | 0.15471890521065093 | 0.15334789906459403 | 0.06995236489175204 | 0.00016728022090522595 | 0.09208511478944056 | 0.00243635116478392 | 0.10646042378348576 900 | Rest/débits/boissons, casinos/activités/loterie | 0.00787766701695532 | 0.0024854652100844746 | 0.0024121014999188245 | 0.001095994976004749 | 0.000851236765961265 | 0.004424688005143691 | - | 0 | 0 | 0.002283687471403247 1000 | Hotels,motels et pensions | 0.04584624055851397 | 0 | 0.004684487023148566 | 0.05624041950517474 | 0.0022746341188697025 | 0.11144117371020876 | 0.07544842153346458 | 0 | 0 | 0.03670637721140625 1100 | Transport | 0.12446733025340878 | 0.09228873881737372 | 0.033042866775152085 | 0.0029157181053165227 | 0.024612868627921506 | 0.004422126825423308 | - | 0 | 0 | 0.030430756683541945 1200 | Immobilier résidentiel | 0.1140193557740292 | 0.18752516643680434 | 0.1570235990069675 | 0.009906306561371417 | 0.06685008350101673 | 0.05589999363302937 | 0.6040122802050282 | 0 | 0.2659549120665157 | 0.09642511157421627 1300 | Immobilier commercial | 0.07170776644013532 | 0.018046124670372404 | 0.07150128247732772 | 0.05057813032744994 | 0.17995541069665438 | 0.012768297295836464 | 0.27734817504316606 | 0 | 0.004687123514950001 | 0.09877002965749226 1400 | Télécommunications | 0.019688784824787357 | 0 | 0.0005530122769910567 | 0.004933359457511375 | 0.006925202482152196 | 0.00519183924581557 | - | 0 | 0.05163118073094562 | 0.00851397944950965 1500 | Services financiers | 0.006822016415454572 | 0.05219129011898726 | 0.0181453713205136 | 0.06395678217560537 | 0.08828282604739522 | 0.18306655544784922 | - | 0.0849249017464221 | 0.21329784627899376 | 0.07156073778186835 1510 | Services professionnels | 0.0719075250711037 | 0.016545326669803195 | 0.008168369398301342 | 0.023224258507342683 | 0.011432283906979129 | 0.02717398222891482 | 0 | 0 | 0.023836642318815677 | 0.024361086759448383 1520 | Services médicaux | 0 | 0.0006017970985128601 | 0.0005282807564184774 | 0.0015945329074523952 | 0.0009221773516986514 | 0.006462025545782557 | 0 | 0 | 0.0003842454660712931 | 0.001338428678026208 1530 | Services d'agence ou de représentation | 0.00012129056994127815 | 0.0006379067437570204 | 1.1286510728973675e-07 | 0.0011122960703700108 | 0.0009322420224993763 | 0.0010103173443914881 | 0 | 0 | 0 | 0.0007160418340206834 1540 | Services d'enseignement | 0.0018404109557361987 | 0 | 0.0014353067613362724 | 0.00586533730787524 | 0.0003132254649443683 | 0.002335138767399232 | 0 | 0 | 0.002386013330800781 | 0.002445820154398353 1550 | Autres services | 0.037496250040071344 | 0.010842840401556858 | 0.0017525099804337045 | 0.040825555057910995 | 0.012030440988358228 | 0.06266547447271484 | 0 | 0 | 0.004434092002794756 | 0.026485338083444852 1560 | Crédit à la consommation | 0.26970477348966126 | 0.08843299974078851 | 0.1576430240583444 | 0.07891720205390658 | 0.05739996568669832 | 0.024435761918886096 | 0.03657919935851842 | 0 | 0.21442642051689573 | 0.1028379210394141 Zone Franche | 0 | 0 | 0.042687790930168834 | 0.012978215303373258 | 0 | 0 | 0 | 0 | 0 | 0.006969039181613253 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0.02733779964059692 | 0 | 0 | 0 | 0 | 0.008181407618059248 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0.000404496065916247 | 0 | 0 | 0 | 0 | 0.00012105389748514226 Total | 0.9999999999999999 | 0.9999999999999999 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1.0000000000000004 (1) Commerce de gros Import-export | 0.0032692633109024194 | 0.023190485682660286 | 0.07292416922420994 | 0.03592474179534291 | 0.060462913483202436 | 0.018141735330107597 | - | 0 | 0 | 0.03640892081209838 Produits pétroliers | 0 | 0 | 0 | 0.00014699493676915734 | 0 | 0.014505364037631072 | - | 0 | 0 | 0.001240946764045764 Produits pharmaceutiques | 0 | 0 | 0 | 0.005449390600360862 | 0.004432201060135749 | 0.001668518760311284 | - | 0 | 0 | 0.0030536489515460724 Produits alimentaires | 0.03392076990564854 | 0.011387359923505501 | 0.045971328921703455 | 0.07304904345795826 | 0.03204493831674215 | 0.06026577477846864 | - | 0.2385561920290006 | 0.0012701913441745367 | 0.04683309614182487 Matériaux de construction | 0 | 0.06532030667689614 | 0 | 0.010774872455895378 | 0.01510772844650483 | 0.06745225008242078 | - | 0 | 0.0026836777224210754 | 0.014551406340155525 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.016603969303677298 | 0.07585083928797091 | 0.025524724481705067 | 0.03352507375598403 | 0.02048026914483713 | 0.02407728028666969 | - | 0 | 0 | 0.02357792031793668 S-Total | 0.05379400252022826 | 0.17574899157103285 | 0.14442022262761847 | 0.15887011700231057 | 0.1325280504514223 | 0.18611092327560907 | - | 0.2385561920290006 | 0.003953869066595612 | 0.12566593932760728 (2) Commerce de détail Produits pétroliers | 0.0016306045852460588 | 0.004136870968771886 | 0.0020394696226278533 | 0.004656476306401686 | 0.005327602275773535 | 0.001816953256509678 | - | 0 | 0 | 0.0035636109392764 Produits pharmaceutiques | 0.0006464843198645245 | 0 | 7.665522335159154e-05 | 0.00024274392516432204 | 0.00030367438259431125 | 0.002510514809318595 | - | 0 | 0.0003396125866062434 | 0.0004778901671945902 Véhicules automobiles | 0.0008716812754951422 | 0 | 0.002526566716186935 | 0.04866533354171141 | 0.08230352877894581 | 0.013535199456850977 | - | 0 | 0 | 0.040255138968009335 Produits alimentaires | 0.00018125803121402052 | 0 | 0.014151998804597736 | 0.042092286065032514 | 0.02048988447298308 | 0.01547758260129214 | - | 0 | 0.0015755742036722457 | 0.020821624481638035 Librairie ,papeterie | 9.816482024833227e-05 | 0 | 2.0168835596671893e-07 | 0.0014537786411328681 | 0.0010011501735879833 | 0.0018574851853608999 | - | 0 | 0.00017920268897997428 | 0.0008970310818760703 Appareils électro- ménagers électroni.équip. inform. | 0.001448389626458537 | 0 | 0.004883169289992292 | 0.012047107140447065 | 0.008217852837929918 | 0.02602779720331951 | - | 0.09208511487706537 | 0 | 0.00964334866964356 Matériaux de construction | 0 | 0.0007140036746158914 | 0 | 0.009989488240566566 | 0.01313912728677147 | 0 | - | 0 | 0 | 0.006866559676073417 Autres | 0.003522211166164572 | 0.26457760374192624 | 0.00603995361386631 | 0.03557169204817799 | 0.02256507885600791 | 0.008637271878880168 | - | 0 | 0.0003422972710853441 | 0.02376797389194998 S-Total | 0.008398793824691188 | 0.26942847838531403 | 0.029718014958978686 | 0.15471890590863444 | 0.15334789906459403 | 0.06986280439153196 | - | 0.09208511487706537 | 0.0024366867503438075 | 0.10629317787566138 [Secteur d'activité sept.16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 septembre 2016 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 779906 | 752719.59231 | 1148325.37901 | 8087013.119 | 7564527.88 | 1870000.4768 | 699.06 | 301870.01992 | 19042 | 20524103.527039997 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2155792 | 138217.2978 | 244824.73188999997 | 5000796.137 | 3096956.16 | 2910779.047 | 315297.13 | 77535.02437 | 728097 | 14668294.52806 Industries Manufacturières ( 200 à 290 ) | 608856 | 9251.597450000001 | 1101117.3765099999 | 4927196.5260000015 | 5260136.620000001 | 1309556.797 | 26932.01 | 533578.34192 | 369847 | 14146472.268880002 Prêts aux Particuliers ( 1560 ) | 3382134 | 146726.18811000002 | 1039550.45393 | 2035162.21 | 1518853.34 | 178451.55 | 152863.59 | 0 | 638962 | 9092703.33204 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 2329043 | 341079.59718 | 1506968.96168 | 1559807.4570000002 | 6530689.43 | 501476.606 | 3683184.04 | 0 | 806477 | 17258726.09186 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1807737 | 153123.54994 | 221542.38367 | 202416.528 | 834524.9700000001 | 70209.685 | 0 | 0 | 153854 | 3443408.1166100004 Bâtiments et Travaux Publics ( 600 ) | 1030319 | 109011.81542 | 711550.24454 | 2808784.442 | 729233.77 | 350449.88648000004 | 0 | 0 | 263587 | 6002936.158439999 Électricité, Gaz et Eau ( 300 à 500 ) | 446347 | 9049.497860000001 | 620443.71519 | 1159444.652 | 191867.8 | 111960.576 | 0 | 0 | 0 | 2539113.24105 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 8.85384 | 7954.259 | 734085.4299999999 | 0 | 0 | 0 | 0 | 742048.5428399999 Total | 12540134 | 1659179.13607 | 6594332.10026 | 25788575.33 | 26460875.4 | 7302884.624279999 | 4178975.83 | 912983.38621 | 2979866 | 88417805.80682 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.06219279634491944 | 0.4536698756307427 | 0.17413823895292202 | 0.3135889833197699 | 0.2858759495160164 | 0.25606326445070543 | 0.00016728022090522595 | 0.33064130681844117 | 0.006390220231379532 | 0.23212636119790359 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.17191140062777638 | 0.08330462624270167 | 0.03712653960517807 | 0.19391517650773615 | 0.11703906666670598 | 0.3985793555224046 | 0.07544842153346458 | 0.0849249017464221 | 0.24433883939747628 | 0.16589751797401625 Industries Manufacturières ( 200 à 290 ) | 0.0485525912243043 | 0.005576008791861809 | 0.166979363454653 | 0.19106121462507336 | 0.1987892139048431 | 0.17932048284675056 | 0.006444643638917624 | 0.5844337914351367 | 0.12411531256774634 | 0.15999573999594582 Prêts aux Particuliers ( 1560 ) | 0.26970477348966126 | 0.08843299974078851 | 0.1576430240583444 | 0.07891720205390657 | 0.05739996568669834 | 0.024435761918886096 | 0.03657919935851842 | 0 | 0.21442642051689573 | 0.10283792103941405 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.18572712221416454 | 0.20557129110717673 | 0.2285248814842952 | 0.06048443688882135 | 0.24680549419767117 | 0.06866829092886584 | 0.8813604552481942 | 0 | 0.27064203558146577 | 0.19519514123170842 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.14415611507819615 | 0.09228873881737372 | 0.03359587905214314 | 0.007849077562827897 | 0.03153807111007371 | 0.00961396607123888 | 0 | 0 | 0.05163118073094562 | 0.03894473613305158 Bâtiments et Travaux Publics ( 600 ) | 0.08216172171684928 | 0.06570225785156018 | 0.10790330752555595 | 0.10891584378189843 | 0.027558943495875426 | 0.047987871164615496 | 0 | 0 | 0.08845599097409078 | 0.06789284243894876 Électricité, Gaz et Eau ( 300 à 500 ) | 0.03559347930412865 | 0.005454201817794681 | 0.09408742322297316 | 0.04495962406466135 | 0.007250999715602758 | 0.01533100709653322 | 0 | 0 | 0 | 0.028717216152112975 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1.3426439350318606e-06 | 0.00030844119530506846 | 0.02774229570651317 | 0 | 0 | 0 | 0 | 0.008392523836898504 Total | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1.0000000000000002 | 1 [Secteur d'activité juin 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 7641.554 | 82076.32 | 2003.886 | 0 | 0 | 0 | 91721.76000000001 200 | Industrie alimentaire | 351505 | 5780.0034000000005 | 232348 | 429346.733 | 1268610.73 | 194407.615 | 0 | 140535.88934 | 192385 | 2814918.9707400007 210 | Industrie des boissons | 1228 | 0 | 3085 | 982813.872 | 2130703.81 | 140909.228 | 0 | 244488.9683 | 69130 | 3572358.8783 220 | Industrie du bois | 13139 | 48.68306 | 143 | 1209.002 | 0 | 1121.229 | 0 | 0 | 0 | 15660.91406 230 | Industrie chimique | 0 | 0 | 26599 | 331900.712 | 71039.18 | 86674.929 | 0 | 135024.67799 | 0 | 651238.49899 240 | Industrie du textile | 252664 | 0 | 211570 | 772048.106 | 123954.46 | 185900.851 | 0 | 0 | 10987 | 1557124.4170000001 250 | Industrie pharmacie | 0 | 0 | 153 | 10601.085 | 8798.7 | 31009.916 | 0 | 0 | 0 | 50562.701 260 | Imprimerie, édition | 426110 | 133.4868 | 6621 | 165027.037 | 121272.84 | 56677.751 | 0 | 0 | 4565 | 780407.1148000001 270 | Sidérurgie, aciérie | 0 | 0 | 141486 | 455702.936 | 81269.24 | 286892.94 | 0 | 0 | 50312 | 1015663.1159999999 280 | Industrie de la fabrication | 62125 | 3571.18483 | 107245 | 1097222.513 | 410160.21 | 106405.657 | 0 | 2209.39352 | 5077 | 1794015.95835 290 | Autres industries | 0 | 0 | 15719 | 126722.53 | 397161.27 | 63180.634 | 0 | 0 | 0 | 602783.434 300 | Production et distribution de l'électricité | 308289 | 0 | 287232 | 1090414.871 | 62893.9 | 238.801 | 0 | 78439.51105 | 0 | 1827508.08305 400 | Production et distribution de gaz | 0 | 2366.73555 | 1390 | 2966.934 | 112584.23 | 110029.288 | 0 | 0 | 0 | 229337.18755 500 | Traitement et distribution de l'eau | 0 | 5446.20654 | 329288 | 49519.873 | 38727.42 | 0 | 0 | 0 | 0 | 422981.49954 600 | Entrep/ batiment et corps/ métiers corresp. | 1037167 | 103320.80734 | 630040 | 2922712.673 | 558558.42 | 322399.079 | 0 | 0 | 343891 | 5918088.97934 700 | Commerce de gros(1) | 795584 | 302411.91104000004 | 937466 | 3955374.707 | 2904491.1 | 901101.56 | 0 | 0 | 38436 | 9834865.278040001 800 | Commerce de détail(2) | 112223 | 309282.21386 | 252270 | 3540223.815 | 3838202.34 | 590120.703 | 976.35 | 219335.64534000002 | 7112 | 8869746.0672 900 | Rest/débits/boissons, casinos/activités/loterie | 96038 | 0 | 16459 | 24265.352 | 22399.4 | 34664.245 | 0 | 0 | 40 | 193865.997 1000 | Hotels,motels et pensions | 395855 | 0 | 31067 | 1397934.103 | 59244.35 | 784205.434 | 317525.88 | 0 | 0 | 2985831.767 1100 | Transport | 1554313 | 152884.53365 | 92419 | 61328.091 | 655729.32 | 35197.837 | 0 | 266599.47722 | 0 | 2818471.25887 1200 | Immobilier résidentiel / Avance Hypothécaire | 1394969 | 313445.49375 | 820815 | 258007.947 | 1570107.39 | 408753.777 | 2428502.02 | 0 | 799993 | 7994593.62775 1300 | Immobilier commercial | 679838 | 30206.472719999998 | 299085 | 994917.856 | 4708091.56 | 65250.352 | 1166713.92 | 0 | 19914 | 7964017.16072 1400 | Télécommunications | 309684 | 0 | 1937 | 149013.612 | 206746.26 | 748.646 | 0 | 0 | 238979 | 907108.5179999999 1500 | Services financiers | 87834 | 97327.28409 | 126258 | 1372830.564 | 1905198.12 | 1265374.71 | 0 | 0 | 1032237 | 5887059.6780900005 1510 | Services professionnels | 907374 | 27184.64624 | 126959 | 576492.22 | 170534.24 | 170042.2 | 0 | 0 | 72278 | 2050864.30624 1520 | Services médicaux | 0 | 1101.76905 | 3510 | 42628.315 | 4106.41 | 45914.378 | 0 | 0 | 1380 | 98640.87205 1530 | Services d'agence ou de représentation | 1729 | 1058.40156 | 16 | 19665.103 | 18428.8 | 72.765 | 0 | 0 | 0 | 40970.06956 1540 | Services d'enseignement | 24706 | 0 | 17421 | 157030.586 | 7961.86 | 18295.095 | 0 | 0 | 6766 | 232180.541 1550 | Autres services | 478400 | 52582.514950000004 | 5622 | 1151037.549 | 393967.7 | 441943.405 | 0 | 328.07344 | 13340 | 2537221.24239 1560 | Crédit à la consommation | 2860353 | 176196.2454 | 1006378 | 1832483.071 | 1455189.48 | 226771.87 | 215797.89 | 7594.5109 | 622651 | 8403415.0673 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 729409.43 | 0 | 0 | 0 | 0 | 729409.43 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 2215.05 | 0 | 0 | 0 | 0 | 2215.05 Total | 12151127 | 1584348.5938299997 | 5730601 | 23979083.321999993 | 24119833.540000003 | 6576308.780999999 | 4129516.06 | 1094556.1471000002 | 3529473 | 82894847.44393001 (1) Commerce de gros Import-export | 8678 | 38282.444729999996 | 754600 | 974884.688 | 1203274.73 | 134705 | 0 | 0 | 0 | 3114424.86273 Produits pétroliers | 111145 | 0 | 0 | 5212.261 | 0 | 35282 | 0 | 0 | 0 | 151639.261 Produits pharmaceutiques | 0 | 361.83167 | 0 | 141785.045 | 108152.28 | 12979 | 0 | 0 | 0 | 263278.15667000005 Produits alimentaires | 447832 | 19235.82991 | 172249 | 1877821.23 | 603263.2 | 338755 | 0 | 0 | 3659 | 3462815.2599099996 Matériaux de construction | 0 | 104410.31911 | 0 | 142653.666 | 441951.57 | 372745 | 0 | 0 | 34777 | 1096537.55511 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 227930 | 140121.48562 | 10616 | 813017.817 | 547849.32 | 6635 | 0 | 0 | 0 | 1746169.62262 S-Total | 795585 | 302411.91104 | 937465 | 3955374.7070000004 | 2904491.0999999996 | 901101 | - | 0 | 38436 | 9834864.718039999 (2) Commerce de détail Produits pétroliers | 21692 | 7117.233179999999 | 10634 | 120698.032 | 120499.19 | 10790 | 0 | 0 | 0 | 291430.45518 Produits pharmaceutiques | 0 | 0 | 187 | 7206.571 | 1025.43 | 19419 | 0 | 0 | 733 | 28571.001 Véhicules automobiles | 18156 | 0 | 27493 | 915218.07 | 1960724.54 | 118790 | 0 | 0 | 0 | 3040381.61 Produits alimentaires | 19 | 0 | 156672 | 809466.819 | 472160.61 | 167918 | 0 | 0 | 5241 | 1611477.429 Librairie ,papeterie | 1255 | 0 | 21 | 43520.698 | 36348.78 | 13099 | 0 | 0 | 658 | 94902.478 Appareils électro- ménagers électroni.équip. inform. | 17272 | 0 | 31222 | 289345.54 | 191049.31 | 190590 | 0 | 21780.72068 | 0 | 741259.57068 Matériaux de construction | 0 | 1253.0785700000001 | 0 | 321784.218 | 259718.9 | 18 | 0 | 1528.38466 | 0 | 584302.58123 Autres | 53831 | 287389.71361000004 | 26042 | 1032983.866 | 796675.59 | 69497 | 0 | 0 | 482 | 2266901.16961 S-Total | 112225 | 295760.02536 | 252271 | 3540223.814 | 3838202.3499999996 | 590121 | - | 23309.10534 | 7114 | 8659226.2947 [Secteur d'activité juin 16 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 juin 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 0.00031867581831158384 | 0.0034028559883668252 | 0.0003047128817596803 | 0 | 0 | 0 | 0.0011064832474906297 200 | Industrie alimentaire | 0.02892776941595623 | 0.003648189181667045 | 0.040545136539780036 | 0.017905051966940245 | 0.0525961643929322 | 0.029561813697324326 | 0 | 0.12839532235266907 | 0.05450813761714567 | 0.03395770735501997 210 | Industrie des boissons | 0.00010106058475069844 | 0 | 0.0005383379509409222 | 0.04098629871719498 | 0.08833824688161591 | 0.02142679620018895 | - | 0.22336813780432146 | 0.019586493507670975 | 0.04309506547697479 220 | Industrie du bois | 0.0010812988786966017 | 3.0727492793939816e-05 | 2.4953752669222653e-05 | 5.0419024937904185e-05 | 0 | 0.00017049518770155818 | - | 0 | 0 | 0.00018892506039766855 230 | Industrie chimique | 0 | 0 | 0.004641572498242331 | 0.01384125938190024 | 0.0029452599613587543 | 0.01317987519844227 | - | 0.12336021166912688 | 0 | 0.007856199981916813 240 | Industrie du textile | 0.020793462203135563 | 0 | 0.03691933882676529 | 0.032196731444344755 | 0.005139109264350255 | 0.0282682667725544 | - | 0 | 0.0031129293240095618 | 0.018784332983461216 250 | Industrie pharmacie | 0 | 0 | 2.669877033839906e-05 | 0.0004420971751774124 | 0.0003647910747563144 | 0.004715398414623197 | - | 0 | 0 | 0.0006099619283840357 260 | Imprimerie, édition | 0.03506752912713364 | 8.425342788818298e-05 | 0.0011553761987617005 | 0.006882124507595055 | 0.005027930221777143 | 0.00861847472304692 | - | 0 | 0.0012933942262768408 | 0.009414422474543627 270 | Sidérurgie, aciérie | 0 | 0 | 0.024689556994109345 | 0.019004185017444268 | 0.0033693947292473725 | 0.04362522344280416 | - | 0 | 0.014254819345551022 | 0.012252427591316738 280 | Industrie de la fabrication | 0.005112694485046531 | 0.0022540398267827085 | 0.0187144419930824 | 0.045757483647981476 | 0.017005101188604637 | 0.016180149160182816 | - | 0.002018529178109076 | 0.0014384583760805084 | 0.021642068399528334 290 | Autres industries | 0 | 0 | 0.002742993274178398 | 0.005284711191763381 | 0.016466169608565215 | 0.009607309526362098 | - | 0 | 0 | 0.007271663469888428 300 | Production et distribution de l'électricité | 0.025371226882905593 | 0 | 0.05012249151528784 | 0.04547358447182931 | 0.0026075594549895055 | 3.63123156093178e-05 | - | 0.07166330503722772 | 0 | 0.022046099840959652 400 | Production et distribution de gaz | 0 | 0.0014938224827647684 | 0.00024255745601552088 | 0.00012373008426381084 | 0.004667703440543727 | 0.01673116206433191 | - | 0 | 0 | 0.0027666036505480445 500 | Traitement et distribution de l'eau | 0 | 0.0034375052063727696 | 0.057461337824776144 | 0.0020651278589355914 | 0.0016056255088068901 | 0 | - | 0 | 0 | 0.005102627154553897 600 | Entrep/ batiment et corps/ métiers corresp. | 0.08535562174603228 | 0.06521343077045474 | 0.10994309322879049 | 0.12188592173240044 | 0.023157639917941158 | 0.04902432196180663 | - | 0 | 0.09743409285182235 | 0.07139272417797728 700 | Commerce de gros(1) | 0.06547409141555346 | 0.19087460437538584 | 0.16358947342521316 | 0.16495103894864396 | 0.12041920169901801 | 0.13702239204512806 | - | 0 | 0.010890011058308138 | 0.11864266092886284 800 | Commerce de détail(2) | 0.009235604236545302 | 0.19521096245135175 | 0.04402156074031328 | 0.1476379963095572 | 0.15913054846065905 | 0.08973433618338489 | 0.00023643206269550142 | 0.20038775162071354 | 0.00201503170586657 | 0.10699996852276598 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007903629021406821 | 0 | 0.002872124581697452 | 0.0010119382661195127 | 0.0009286714173567219 | 0.005271079286932286 | - | 0 | 1.133313670341153e-05 | 0.0023386977957964247 1000 | Hotels,motels et pensions | 0.03257763662580434 | 0 | 0.005421246392830351 | 0.0582980627002302 | 0.002456250367638316 | 0.11924705182118184 | 0.07689178959144186 | 0 | 0 | 0.03601950976530373 1100 | Transport | 0.12791513083518918 | 0.0964967774424045 | 0.016127278796761457 | 0.0025575661161214435 | 0.02718631199973032 | 0.005352217812778522 | - | 0.24356857154048134 | 0 | 0.034000560297507164 1200 | Immobilier résidentiel | 0.11480161469796177 | 0.19783871742031076 | 0.14323366781250343 | 0.010759708514932532 | 0.06509611218486044 | 0.06215550251851839 | 0.5880839267156162 | 0 | 0.22666075076930747 | 0.09644258810123915 1300 | Immobilier commercial | 0.05594855522454831 | 0.01906554708833298 | 0.05219086095856264 | 0.041491071307433874 | 0.19519585623143562 | 0.009922032886977364 | 0.282530423189588 | 0 | 0.005642202107793429 | 0.09607372962604042 1400 | Télécommunications | 0.025486031048807242 | 0 | 0.0003380099225194705 | 0.006214316452342658 | 0.008571628807352042 | 0.00011383984921191007 | - | 0 | 0.0677095419061146 | 0.01094288180714208 1500 | Services financiers | 0.007228465310254761 | 0.061430473362381256 | 0.022032244087487506 | 0.05725116951157489 | 0.0789888585607544 | 0.1924141265470789 | - | 0 | 0.29246207578298516 | 0.07101840294804815 1510 | Services professionnels | 0.07467406109737805 | 0.017158248093801072 | 0.022154569826096773 | 0.024041461979953504 | 0.007070290917107216 | 0.025856784658785936 | 0 | 0 | 0.020478411366229462 | 0.024740552271686155 1520 | Services médicaux | 0 | 0.0006954082291552939 | 0.0006125012018809196 | 0.001777729132826774 | 0.00017025034576586051 | 0.00698178560785557 | 0 | 0 | 0.0003909932162676978 | 0.001189951789424796 1530 | Services d'agence ou de représentation | 0.00014229132820354852 | 0.0006680357871504927 | 2.792028270682255e-06 | 0.0008200940267786607 | 0.0007640517074646443 | 1.1064717674180637e-05 | 0 | 0 | 0 | 0.0004942414495389731 1540 | Services d'enseignement | 0.00203322704140941 | 0 | 0.0030399952814722225 | 0.006548648415426698 | 0.0003300959762759623 | 0.002781970191676133 | 0 | 0 | 0.00191700007338206 | 0.002800904376560276 1550 | Autres services | 0.03937083366835027 | 0.03318872826016602 | 0.0009810489336109774 | 0.04800173274113287 | 0.016333765295131468 | 0.0672023500898931 | 0 | 0.0002997319423669792 | 0.003779601090587745 | 0.030607707482737976 1560 | Crédit à la consommation | 0.2353981651249304 | 0.11121052910083615 | 0.17561473918704165 | 0.07642006353590503 | 0.06033165517443284 | 0.03448315423618489 | 0.0522574284406585 | 0.0069384388549837955 | 0.1764147225378973 | 0.1013743957124001 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0.03024106401026182 | 0 | 0 | 0 | 0 | 0.00879921312954188 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 9.183521089922082e-05 | 0 | 0 | 0 | 0 | 2.6721202442627783e-05 Total | 1 | 1.0000000000000002 | 1 | 1.0000000000000004 | 1 | 1.0000000000000002 | 1 | 0.9999999999999998 | 0.9999999999999998 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.0007141724384906848 | 0.024162892484068877 | 0.13167903331605185 | 0.04065562786153616 | 0.04988735631216134 | 0.02048337517076208 | - | 0 | 0 | 0.03757078948527644 Produits pétroliers | 0.009146888185762522 | 0 | 0 | 0.0002173669831330845 | 0 | 0.0053650157215755 | - | 0 | 0 | 0.0018292965808588842 Produits pharmaceutiques | 0 | 0.00022837882484264978 | 0 | 0.005912863435856076 | 0.004483956318381789 | 0.001973599542268817 | - | 0 | 0 | 0.003176049715853342 Produits alimentaires | 0.03685518223947458 | 0.012141160086177348 | 0.030057754849796732 | 0.07831080132563545 | 0.025011084715802722 | 0.051511419442273915 | - | 0 | 0.0010366986799445696 | 0.04177358866909363 Matériaux de construction | 0 | 0.06590110252037325 | 0 | 0.005949087547859684 | 0.018323160036203132 | 0.056679972369442194 | - | 0 | 0.009853312378363569 | 0.013228054443935093 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.018757930848718806 | 0.08844107045992367 | 0.0018525107575976761 | 0.03390529179462352 | 0.022713644316469023 | 0.0010089246446531783 | - | 0 | 0 | 0.021064875278298898 S-Total | 0.0654741737124466 | 0.19087460437538578 | 0.16358929892344626 | 0.164951038948644 | 0.120419201699018 | 0.1370223068909757 | - | 0 | 0.01089001105830814 | 0.11864265417331629 (2) Commerce de détail Produits pétroliers | 0.0017851842055473536 | 0.004492214155216195 | 0.0018556517894021936 | 0.00503347147925641 | 0.004995854958955906 | 0.0016407380430757791 | - | 0 | 0 | 0.003515664292368995 Produits pharmaceutiques | 0 | 0 | 3.263183041359885e-05 | 0.00030053571703419606 | 4.251397499487055e-05 | 0.0029528722945772524 | - | 0 | 0.00020767973009001628 | 0.0003446655839414554 Véhicules automobiles | 0.0014941823914769387 | 0 | 0.004797577077866702 | 0.038167350173904206 | 0.08129096482976805 | 0.0180633245724719 | - | 0 | 0 | 0.036677570485385246 Produits alimentaires | 1.5636409692697641e-06 | 0 | 0.02733954082652064 | 0.033757204482347404 | 0.019575616441007988 | 0.025533776711510536 | - | 0 | 0.0014849242365644955 | 0.019440019237504498 Librairie ,papeterie | 0.00010328260086492389 | 0 | 3.6645371052704594e-06 | 0.001814944191801996 | 0.0015070079127917561 | 0.001991846860634813 | - | 0 | 0.00018643009877111966 | 0.0011448537626441973 Appareils électro- ménagers électroni.équip. inform. | 0.001421431937959335 | 0 | 0.005448294166702585 | 0.012066580532481627 | 0.007920838660978586 | 0.028981303394792653 | - | 0.019899135131356657 | 0 | 0.008942167016850923 Matériaux de construction | 0 | 0.0007909108985736603 | 0 | 0.013419371111020493 | 0.010767856236208502 | 0 | - | 0.0013963510817141887 | 0 | 0.007048720146631811 Autres | 0.004430124053513719 | 0.18139298051526967 | 0.004544375014069205 | 0.043078538580007875 | 0.033029895860549954 | 0.010567782370680021 | - | 0 | 0.00013656429727610894 | 0.027346707781123906 S-Total | 0.009235768830331541 | 0.18667610556905953 | 0.044021735242080196 | 0.14763799626785418 | 0.15913054887525563 | 0.08973164424774295 | - | 0.021295486213070845 | 0.0020155983627017406 | 0.10446036830645103 [Secteur d'activité juin 16 glo] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2016 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 907807 | 611694.1249 | 1189736 | 7495598.522 | 6742693.4399999995 | 1491222.263 | 976.35 | 219335.64534000002 | 45548 | 18704611.34524 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1991936 | 179254.61589000002 | 327312 | 4741883.791999999 | 2581840.88 | 2760512.232 | 317525.88 | 328.07344 | 1126041 | 14026634.47333 Industries Manufacturières ( 200 à 290 ) | 1106771 | 9533.358090000002 | 744969 | 4372594.526000001 | 4612970.440000001 | 1153180.75 | 0 | 522258.92915 | 332456 | 12854734.003240002 Prêts aux Particuliers ( 1560 ) | 2860353 | 176196.2454 | 1006378 | 1832483.071 | 1455189.48 | 226771.87 | 215797.89 | 7594.5109 | 622651 | 8403415.0673 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 2074807 | 343651.96647000004 | 1119900 | 1252925.803 | 6278198.949999999 | 474004.129 | 3595215.94 | 0 | 819907 | 15958610.788469998 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1863997 | 152884.53365 | 94356 | 210341.70299999998 | 862475.58 | 35946.483 | 0 | 266599.47722 | 238979 | 3725579.77687 Bâtiments et Travaux Publics ( 600 ) | 1037167 | 103320.80734 | 630040 | 2922712.673 | 558558.42 | 322399.079 | 0 | 0 | 343891 | 5918088.97934 Électricité, Gaz et Eau ( 300 à 500 ) | 308289 | 7812.9420900000005 | 617910 | 1142901.6779999998 | 214205.55 | 110268.089 | 0 | 78439.51105 | 0 | 2479826.7701399997 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 7641.554 | 813700.8 | 2003.886 | 0 | 0 | 0 | 823346.2400000001 Total | 12151127 | 1584348.5938300004 | 5730601 | 23979083.322 | 24119833.540000003 | 6576308.7809999995 | 4129516.06 | 1094556.1471 | 3529473 | 82894847.44392999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.07470969565209877 | 0.3860855668267374 | 0.20761103416552645 | 0.3125890352582011 | 0.27954975015967704 | 0.22675672822851292 | 0.00023643206269550142 | 0.20038775162071357 | 0.012905042764174708 | 0.2256426294516289 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1639301440928072 | 0.1131408937326541 | 0.05711652233334689 | 0.197750836774043 | 0.10704223458749457 | 0.41976621292107785 | 0.07689178959144186 | 0.00029973194236697923 | 0.31903941466615554 | 0.16920996787909653 Industries Manufacturières ( 200 à 290 ) | 0.09108381469471927 | 0.006017209929131875 | 0.12999840679886804 | 0.1823503620752797 | 0.19125216732320785 | 0.17535380232323067 | 0 | 0.4771422010042266 | 0.09419423239673458 | 0.1550727747214317 Prêts aux Particuliers ( 1560 ) | 0.2353981651249304 | 0.1112105291008361 | 0.17561473918704165 | 0.076420063535905 | 0.06033165517443284 | 0.034483154236184886 | 0.0522574284406585 | 0.006938438854983797 | 0.1764147225378973 | 0.10137439571240013 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.17075016992251008 | 0.21690426450864367 | 0.19542452877106606 | 0.05225077982236639 | 0.26029196841629604 | 0.07207753540549575 | 0.8706143499052041 | 0 | 0.23230295287710093 | 0.19251631772727962 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.15340116188399644 | 0.09649677744240445 | 0.016465288719280928 | 0.008771882568464099 | 0.03575794080708236 | 0.005466057661990431 | 0 | 0.2435685715404814 | 0.0677095419061146 | 0.04494344210464926 Bâtiments et Travaux Publics ( 600 ) | 0.08535562174603228 | 0.06521343077045472 | 0.10994309322879049 | 0.1218859217324004 | 0.023157639917941158 | 0.04902432196180662 | 0 | 0 | 0.09743409285182235 | 0.0713927241779773 Électricité, Gaz et Eau ( 300 à 500 ) | 0.025371226882905593 | 0.004931327689137536 | 0.1078263867960795 | 0.04766244241502869 | 0.008880888404340122 | 0.016767474379941225 | 0 | 0.07166330503722773 | 0 | 0.0299153306460616 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 0.00031867581831158373 | 0.033735755209527866 | 0.00030471288175968025 | 0 | 0 | 0 | 0.00993241757947514 Total | 1 | 0.9999999999999998 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1 | 0.9999999999999999 | 1 [Secteur d'activité mars 16] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 7534.67 | 87434.12 | 2000 | 0 | 0 | 0 | 96968.79 200 | Industrie alimentaire | 363609 | 5780 | 225599 | 423391.53 | 1558843.45 | 134810.04 | 20812.35 | 260667.81 | 160516 | 3154029.18 210 | Industrie des boissons | 1263 | 0 | 3173 | 879171.91 | 2799602.62 | 141517.82 | 0 | 244944.87 | 72183 | 4141856.22 220 | Industrie du bois | 18147 | 73.09 | 6778 | 922.01 | 0 | 0 | 0 | 0 | 0 | 25920.1 230 | Industrie chimique | 0 | 0 | 24318 | 289241.07 | 120456.73 | 91586.99 | 0 | 168523.45 | 0 | 694126.24 240 | Industrie du textile | 257038 | 0 | 229610 | 785562.47 | 127295.25 | 208975.28 | 0 | 0 | 11297 | 1619778 250 | Industrie pharmacie | 0 | 0 | 5461 | 9953.67 | 15734.84 | 18932.1 | 0 | 0 | 0 | 50081.61 260 | Imprimerie, édition | 38925 | 0 | 5151 | 119644.15 | 104728.4 | 36258.7 | 0 | 0 | 3756 | 308463.25 270 | Sidérurgie, aciérie | 376194 | 0 | 152569 | 479243.92 | 87281.38 | 224211.46 | 0 | 0 | 49833 | 1369332.7599999998 280 | Industrie de la fabrication | 63239 | 3791.36 | 109529 | 989786.37 | 472275.93 | 133043.64 | 0 | 28565.25 | 7040 | 1807270.5499999998 290 | Autres industries | 0 | 0 | 18 | 125365.32 | 330482.27 | 61524.52 | 0 | 0 | 0 | 517390.11000000004 300 | Production et distribution de l'électricité | 187454 | 0 | 321352 | 1026916.69 | 0 | 543.19 | 0 | 50974.24 | 0 | 1587240.1199999999 400 | Production et distribution de gaz | 0 | 0 | 1892 | 2421.97 | 170699.76 | 110172.77 | 0 | 0 | 0 | 285186.5 500 | Traitement et distribution de l'eau | 0 | 7180.02 | 264189 | 53100.51 | 43672.86 | 969.91 | 0 | 0 | 0 | 369112.3 600 | Entrep/ batiment et corps/ métiers corresp. | 777875 | 149023.49 | 468949 | 2985068.76 | 556600.41 | 317765.3 | 0 | 0 | 365001 | 5620282.96 700 | Commerce de gros(1) | 821812 | 217564.7 | 730946 | 3852704.81 | 3017367.2 | 792702.91 | 0 | 30881.35 | 46575 | 9510553.97 800 | Commerce de détail(2) | 99883 | 302043.19 | 243896 | 3408913.06 | 3933454.77 | 622140.35 | 1082.05 | 189544.27 | 6659 | 8807615.69 900 | Rest/débits/boissons, casinos/activités/loterie | 94513 | 0 | 7214 | 24878.16 | 21163.37 | 20981.93 | 0 | 0 | 161 | 168911.46 1000 | Hotels,motels et pensions | 355891 | 0 | 6691 | 1393462.51 | 306445.68 | 771254.99 | 319008.65 | 0 | 0 | 3152753.8299999996 1100 | Transport | 103700 | 132182.39 | 61225 | 66564.67 | 655292.14 | 32292.09 | 0 | 0 | 0 | 1051256.29 1200 | Immobilier résidentiel / Avance Hypothécaire | 1331300 | 270168.75 | 754087 | 305844.46 | 1493239.23 | 412769.92 | 2422473.81 | 0 | 788369 | 7778252.17 1300 | Immobilier commercial | 668182 | 45893.09 | 201637 | 893800.24 | 4438249.79 | 65341.5 | 969314.73 | 0 | 27081 | 7309499.35 1400 | Télécommunications | 369355 | 0 | 2435 | 151077.08 | 215303.74 | 839.17 | 0 | 0 | 256285 | 995294.99 1500 | Services financiers | 81362 | 38293.52 | 114378 | 1354371.13 | 2041172.24 | 1160405.61 | 0 | 281192.43 | 858112 | 5929286.93 1510 | Services professionnels | 913678 | 26072.68 | 62168 | 603160.52 | 174172.16 | 141931.7 | 0 | 0 | 73112 | 1994295.06 1520 | Services médicaux | 0 | 1219.36 | 3698 | 44442.05 | 46318.54 | 47531.99 | 0 | 0 | 939 | 144148.94 1530 | Services d'agence ou de représentation | 2110 | 0 | 12 | 18472.21 | 19970.68 | 344.09 | 0 | 0 | 0 | 40908.979999999996 1540 | Services d'enseignement | 24593 | 0 | 10443 | 149075.27 | 8588.1 | 19487.46 | 0 | 0 | 6718 | 218904.83 1550 | Autres services | 512446 | 19220.33 | 6417 | 1250820.03 | 280616.13 | 442721.39 | 7304.25 | 398.01 | 12433 | 2532376.1399999997 1560 | Crédit à la consommation | 2793687 | 156451.7 | 910466 | 1765165.24 | 1597667.02 | 211396.37 | 283430.03 | 0 | 610638 | 8328901.360000001 Total | 10256256 | 1374957.6700000004 | 4934301 | 23460076.459999997 | 24724128.809999995 | 6224453.19 | 4023425.87 | 1255691.68 | 3356708 | 79609998.67999999 (1) Commerce de gros Import-export | 6340 | 38054.27 | 615322 | 1013451.29 | 1092040.13 | 131995.97 | 0 | 0 | 0 | 2897203.66 Produits pétroliers | 131296 | 0 | 0 | 4670.92 | 0 | 38365.77 | 0 | 0 | 0 | 174332.69 Produits pharmaceutiques | 0 | 361831.67 | 818 | 142728.77 | 103855.15 | 8439.78 | 0 | 0 | 0 | 617673.37 Produits alimentaires | 453310 | 19529.46 | 104060 | 1709064.88 | 795472.08 | 301592.62 | 0 | 30881.35 | 8163 | 3422073.39 Matériaux de construction | 0 | 102712.05 | 0 | 132925.07 | 442221.27 | 301746.77 | 0 | 0 | 38412 | 1018017.16 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 230866 | 56907.08 | 10747 | 849863.89 | 583778.57 | 10561.99 | 0 | 0 | 0 | 1742724.53 S-Total | 821812 | 579034.53 | 730947 | 3852704.82 | 3017367.1999999997 | 792702.9 | - | 30881.35 | 46575 | 9872024.8 (2) Commerce de détail Produits pétroliers | 24735 | 7377.75 | 10163 | 127490.4 | 107468.31 | 19201.6 | 0 | 0 | 0 | 296436.05999999994 Produits pharmaceutiques | 0 | 0 | 9 | 7247.89 | 1126.56 | 20093.68 | 0 | 0 | 404 | 28881.13 Véhicules automobiles | 0 | 0 | 17818 | 900755.18 | 2012361.65 | 116969.86 | 0 | 129869.19 | 0 | 3177773.88 Produits alimentaires | 1000 | 0 | 130023 | 874961.29 | 520056.46 | 182744.22 | 0 | 0 | 3699 | 1712483.97 Librairie ,papeterie | 1406 | 0 | 15 | 44350.33 | 17843.59 | 11990 | 0 | 0 | 781 | 76385.92 Appareils électro- ménagers électroni.équip. inform. | 16818 | 0 | 30829 | 310385.51 | 209406.61 | 210262.96 | 0 | 0 | 0 | 777702.08 Matériaux de construction | 0 | 1340.08 | 0 | 359534.19 | 538218.27 | 141.18 | 0 | 0 | 0 | 899233.7200000001 Autres | 55923 | 280046.38 | 54918 | 784188.28 | 526973.31 | 60736.85 | 0 | 59675.08 | 1775 | 1824235.9000000004 S-Total | 99882 | 288764.21 | 243775 | 3408913.0700000003 | 3933454.76 | 622140.35 | - | 189544.27000000002 | 6659 | 8793132.66 [Secteur d'activité mars 16 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 mars 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 0.0003211698824957709 | 0.003536388306011257 | 0.0003213133650379335 | 0 | 0 | 0 | 0.0012180478785055043 200 | Industrie alimentaire | 0.03545241070425699 | 0.0042037657784766555 | 0.04572055900116349 | 0.01804732097620794 | 0.06304947939639861 | 0.02165813379664921 | 0.005172793204712381 | 0.20758902376417754 | 0.047819470743359266 | 0.039618505618596006 210 | Industrie des boissons | 0.00012314435209105545 | 0 | 0.0006430495423769243 | 0.0374752363445622 | 0.11323362054592048 | 0.022735783478516288 | - | 0.1950676857236165 | 0.021504104616785254 | 0.052026834426270846 220 | Industrie du bois | 0.0017693591111610318 | 5.315800012956034e-05 | 0.0013736494794298118 | 3.930123593467607e-05 | 0 | 0 | - | 0 | 0 | 0.0003255884993063286 230 | Industrie chimique | 0 | 0 | 0.00492835763363443 | 0.012329076185798588 | 0.004872031323153426 | 0.014714061975297786 | - | 0.13420766632777245 | 0 | 0.00871908367678923 240 | Industrie du textile | 0.02506158192619217 | 0 | 0.04653344009617573 | 0.033485077141133926 | 0.005148624284327211 | 0.033573275213272184 | - | 0 | 0.003365499769416941 | 0.02034641410447515 250 | Industrie pharmacie | 0 | 0 | 0.0011067423734385073 | 0.0004242812258933278 | 0.0006364163575153289 | 0.0030415683791173305 | - | 0 | 0 | 0.0006290869341840819 260 | Imprimerie, édition | 0.0037952445804784905 | 0 | 0.0010439168587404782 | 0.0050999045209420436 | 0.004235878271174563 | 0.00582520245445046 | - | 0 | 0.0011189534508214596 | 0.003874679752726759 270 | Sidérurgie, aciérie | 0.03667946665917855 | 0 | 0.03092008371601165 | 0.020428063003849223 | 0.003530210535252426 | 0.03602106934633401 | - | 0 | 0.014845795344724654 | 0.0172005122811792 280 | Industrie de la fabrication | 0.006165895235064335 | 0.0027574376162431235 | 0.022197470320517537 | 0.042190244847991436 | 0.019101822904634837 | 0.02137434983264771 | - | 0.022748617718005428 | 0.00209729294296674 | 0.022701552317121582 290 | Autres industries | 0 | 0 | 3.6479331114984677e-06 | 0.005343772865094917 | 0.013366791304951144 | 0.00988432527677182 | - | 0 | 0 | 0.006499059396793851 300 | Production et distribution de l'électricité | 0.018277039886679895 | 0 | 0.06512614451368086 | 0.04377294727708658 | 0 | 8.726710337747756e-05 | - | 0.04059455104456852 | 0 | 0.019937698107244838 400 | Production et distribution de gaz | 0 | 0 | 0.0003834383026086167 | 0.00010323794145042612 | 0.006904176940340089 | 0.017699991732125147 | - | 0 | 0 | 0.003582294997219312 500 | Traitement et distribution de l'eau | 0 | 0.00522199348871591 | 0.053541322266314924 | 0.0022634414721766855 | 0.0017664064257073417 | 0.00015582252294197104 | - | 0 | 0 | 0.004636506797138412 600 | Entrep/ batiment et corps/ métiers corresp. | 0.07584395319305602 | 0.10838405665244949 | 0.09503858803911638 | 0.1272403679114011 | 0.022512437719337385 | 0.05105111891764423 | - | 0 | 0.1087377871414493 | 0.07059770196192648 700 | Commerce de gros(1) | 0.08012787512324185 | 0.15823374402500692 | 0.14813567311763104 | 0.16422388122088843 | 0.12204139620804705 | 0.1273530197437311 | - | 0.024593099159500684 | 0.013875201536743738 | 0.11946431513243183 800 | Commerce de détail(2) | 0.009738738970634118 | 0.2196745373259381 | 0.04942868300900168 | 0.14530698848370252 | 0.1590937662648426 | 0.09995100469218886 | 0.00026893747640987354 | 0.15094809738645398 | 0.001983788878865841 | 0.1106345413395 900 | Rest/débits/boissons, casinos/activités/loterie | 0.009215156095947682 | 0 | 0.0014620105259083303 | 0.001060446671707054 | 0.0008559804134105708 | 0.0033708872666451846 | - | 0 | 4.796365963318823e-05 | 0.0021217367516730627 1000 | Hotels,motels et pensions | 0.03469989438641157 | 0 | 0.001356017802724236 | 0.05939718535768149 | 0.012394599718961749 | 0.12390726806959888 | 0.0792878159825522 | 0 | 0 | 0.039602485645965094 1100 | Transport | 0.010110902067967102 | 0.09613560685108218 | 0.01240803915286076 | 0.0028373594652811294 | 0.026504154910200865 | 0.005187940051003902 | - | 0 | 0 | 0.013205078601063985 1200 | Immobilier résidentiel | 0.1298037022476818 | 0.19649241274460466 | 0.1528254964583636 | 0.01303680576324942 | 0.06039603018877818 | 0.06631424599081931 | 0.6020923184052599 | 0 | 0.23486374149911163 | 0.09770446299422048 1300 | Immobilier commercial | 0.06514872483682155 | 0.03337782027864173 | 0.04086434937795647 | 0.0380987777905989 | 0.17951086665609395 | 0.010497548620813067 | 0.2409177554947719 | 0 | 0.00806772587904578 | 0.09181634808689336 1400 | Télécommunications | 0.03601265413031812 | 0 | 0.0004934842848054871 | 0.0064397522428194165 | 0.008708243742562835 | 0.00013481826826944134 | - | 0 | 0.0763501025409419 | 0.0125021354918078 1500 | Services financiers | 0.007932914311031238 | 0.02785069012342757 | 0.023180182968165097 | 0.05773089155567058 | 0.08255790348311166 | 0.186426915678998 | - | 0.22393429412544966 | 0.25564094344816407 | 0.07447917382630963 1510 | Services professionnels | 0.08908494483757036 | 0.018962532861102548 | 0.012599150315313152 | 0.02571008329953244 | 0.007044622738316822 | 0.022802276066277237 | 0 | 0 | 0.021780863870196635 | 0.0250508113687611 1520 | Services médicaux | 0 | 0.0008868345743327498 | 0.0007494475914622963 | 0.0018943693587603937 | 0.0018734144428686954 | 0.007636331826924703 | 0 | 0 | 0.0002797383627053649 | 0.001810688888206373 1530 | Services d'agence ou de représentation | 0.00020572809415053602 | 0 | 2.431955407665645e-06 | 0.0007873891643744456 | 0.0008077404932432887 | 5.528035788795127e-05 | 0 | 0 | 0 | 0.0005138673618679176 1540 | Services d'enseignement | 0.0023978535637175983 | 0 | 0.0021164091935210274 | 0.006354423876417324 | 0.00034735703190991434 | 0.003130790674321064 | 0 | 0 | 0.0020013656237003637 | 0.0027497152823718653 1550 | Autres services | 0.04996423646211639 | 0.013978852163499693 | 0.0013004881542492037 | 0.05331696305988937 | 0.011349889500919488 | 0.07112614979758568 | 0.0018154304903348448 | 0.00031696475045530286 | 0.0037039265852138463 | 0.0318097749276335 1560 | Crédit à la consommation | 0.27238857922423154 | 0.11378655751634882 | 0.18451772601630909 | 0.07524123985740838 | 0.06461974989200844 | 0.03396223950075203 | 0.07044494894595883 | 0 | 0.181915734106154 | 0.10462129755181654 Total | 0.9999999999999999 | 0.9999999999999997 | 0.9999999999999999 | 1 | 1.0000000000000002 | 1 | 1 | 1 | 0.9999999999999999 | 1 (1) Commerce de gros Import-export | 0.0006181592971158286 | 0.027676684766593566 | 0.12470297211297 | 0.04319897642822943 | 0.04416900342139902 | 0.02120603464607306 | - | 0 | 0 | 0.03639245959098163 Produits pétroliers | 0.012801552535350131 | 0 | 0 | 0.0001991008003730948 | 0 | 0.0061637173304856996 | - | 0 | 0 | 0.002189834102381372 Produits pharmaceutiques | 0 | 0.2631584069057194 | 0 | 0.006083900461422452 | 0.004200558523137706 | 0.0013559070559899255 | - | 0 | 0 | 0.0077587411159595315 Produits alimentaires | 0.04419838974378175 | 0.014203680903136453 | 0.02108910664347392 | 0.07284992795799268 | 0.03217391747604312 | 0.048452869801403384 | - | 0.024593099159500684 | 0.002431846916681463 | 0.04298547226153528 Matériaux de construction | 0 | 0.07470197246145037 | 0 | 0.005666011797814918 | 0.017886222539867123 | 0.04847763502901369 | - | 0 | 0.011443354620062275 | 0.01278755403692465 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.022509773546994148 | 0.04138824142855248 | 0.002178018730515224 | 0.036225964201311904 | 0.023611694247600064 | 0.0016968542741985018 | - | 0 | 0 | 0.021890774511943507 S-Total | 0.08012787512324185 | 0.42112898646545227 | 0.14797009748695916 | 0.1642238816471445 | 0.12204139620804705 | 0.12735301813716426 | - | 0.024593099159500684 | 0.013875201536743738 | 0.12400483561972597 (2) Commerce de détail Produits pétroliers | 0.0024116987719495302 | 0.00536580155227615 | 0.0020596635673421626 | 0.00543435569007519 | 0.0043466975449720615 | 0.003084865355056192 | - | 0 | 0 | 0.003723603377906751 Produits pharmaceutiques | 0 | 0 | 1.8239665557492338e-06 | 0.0003089457109126575 | 4.556520509407588e-05 | 0.003228183968397712 | - | 0 | 0.0001203560154770686 | 0.0003627826966319955 Véhicules automobiles | 0 | 0 | 0.0036110484544822053 | 0.038395236329933094 | 0.08139262117037968 | 0.01879198966230799 | - | 0.10342442501490494 | 0 | 0.0399167684045991 Produits alimentaires | 9.750146642205499e-05 | 0 | 0.02635084483090918 | 0.037295756111103494 | 0.0210343694613683 | 0.029359080134716217 | - | 0 | 0.0011019725278457347 | 0.02151091569393806 Librairie ,papeterie | 0.00013708706178940932 | 0 | 3.039944259582056e-06 | 0.001890459738083906 | 0.0007217075326343927 | 0.0019262736234024116 | - | 0 | 0.00023266843586037273 | 0.0009595015860638374 Appareils électro- ménagers électroni.équip. inform. | 0.0016397796622861208 | 0 | 0.006247896105243681 | 0.013230370776037958 | 0.008469726541600235 | 0.033780149610218205 | - | 0 | 0 | 0.009768899546475912 Matériaux de construction | 0 | 0.0009746336409032865 | 0 | 0.01532536309559837 | 0.021768947821623977 | 0 | - | 0 | 0 | 0.011295487186409285 Autres | 0.005452574506720581 | 0.2036763648149255 | 0.011129843923181825 | 0.03342650145821392 | 0.021314130582706675 | 0.009757780827652107 | - | 0.047523672371549044 | 0.0005287918996826653 | 0.022914658086262394 S-Total | 0.009738641469167697 | 0.2100168000081049 | 0.04940416079197438 | 0.1453069889099586 | 0.1590937658603794 | 0.09992832318175084 | - | 0.15094809738645398 | 0.0019837888788658414 | 0.11045261657828734 [Secteur d'activité mars 16 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2016 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 921695 | 519607.89 | 974842 | 7261617.87 | 6950821.970000001 | 1414843.26 | 1082.05 | 220425.62 | 53234 | 18318169.660000004 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1984593 | 84805.89 | 211021 | 4838681.88 | 2898446.9000000004 | 2604659.16 | 326312.9 | 281590.44 | 951475 | 14181586.17 Industries Manufacturières ( 200 à 290 ) | 1118415 | 9644.45 | 762206 | 4102282.42 | 5616700.870000001 | 1050860.5499999998 | 20812.35 | 702701.38 | 304625 | 13688248.020000003 Prêts aux Particuliers ( 1560 ) | 2793687 | 156451.7 | 910466 | 1765165.24 | 1597667.02 | 211396.37 | 283430.03 | 0 | 610638 | 8328901.360000001 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1999482 | 316061.83999999997 | 955724 | 1199644.7 | 5931489.02 | 478111.42 | 3391788.54 | 0 | 815450 | 15087751.52 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 473055 | 132182.39 | 63660 | 217641.75 | 870595.88 | 33131.26 | 0 | 0 | 256285 | 2046551.28 Bâtiments et Travaux Publics ( 600 ) | 777875 | 149023.49 | 468949 | 2985068.76 | 556600.41 | 317765.3 | 0 | 0 | 365001 | 5620282.96 Électricité, Gaz et Eau ( 300 à 500 ) | 187454 | 7180.02 | 587433 | 1082439.17 | 214372.62 | 111685.87000000001 | 0 | 50974.24 | 0 | 2241538.9200000004 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 7534.67 | 87434.12 | 2000 | 0 | 0 | 0 | 96968.79 Total | 10256256 | 1374957.6700000002 | 4934301 | 23460076.46 | 24724128.810000002 | 6224453.1899999995 | 4023425.87 | 1255691.68 | 3356708 | 79609998.68 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.08986661409387597 | 0.3779082813509451 | 0.19756435612663273 | 0.30953086970459087 | 0.28113516247288955 | 0.22730402443592 | 0.00026893747640987354 | 0.17554119654595465 | 0.015858990415609578 | 0.23009885647193182 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.19350072775094537 | 0.06167890972236257 | 0.042766138506751004 | 0.20625175234403306 | 0.11723150782274216 | 0.41845589973823877 | 0.08110324647288705 | 0.22425125887590497 | 0.2834548015496135 | 0.17813825405278852 Industries Manufacturières ( 200 à 290 ) | 0.10904710256842264 | 0.007014361394849341 | 0.15447091695460005 | 0.17486227834740825 | 0.227174874923328 | 0.1688277697530568 | 0.005172793204712381 | 0.5596129935335719 | 0.09075111686807431 | 0.17194131700744303 Prêts aux Particuliers ( 1560 ) | 0.27238857922423154 | 0.11378655751634885 | 0.18451772601630909 | 0.07524123985740837 | 0.06461974989200843 | 0.033962239500752035 | 0.07044494894595883 | 0 | 0.181915734106154 | 0.10462129755181653 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.19495242708450336 | 0.2298702330232464 | 0.19368984583632007 | 0.05113558355384831 | 0.23990689684487204 | 0.07681179461163239 | 0.8430100739000318 | 0 | 0.2429314673781574 | 0.1895208110811138 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.046123556198285225 | 0.09613560685108219 | 0.012901523437666247 | 0.009277111708100545 | 0.03521239865276369 | 0.005322758319273344 | 0 | 0 | 0.0763501025409419 | 0.025707214092871782 Bâtiments et Travaux Publics ( 600 ) | 0.07584395319305602 | 0.1083840566524495 | 0.09503858803911638 | 0.12724036791140106 | 0.022512437719337378 | 0.05105111891764424 | 0 | 0 | 0.1087377871414493 | 0.07059770196192647 Électricité, Gaz et Eau ( 300 à 500 ) | 0.018277039886679895 | 0.005221993488715911 | 0.11905090508260441 | 0.04613962669071369 | 0.008670583366047428 | 0.0179430813584446 | 0 | 0.04059455104456852 | 0 | 0.028156499901602565 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 0.00032116988249577085 | 0.003536388306011256 | 0.0003213133650379336 | 0 | 0 | 0 | 0.0012180478785055041 Total | 1 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1 | 1 | 1 | 1 | 1 | 1 [Secteur d'activité décembre 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.3 | 3293.344 | 87196.26 | 0 | 0 | 0 | 0 | 90493.904 200 | Industrie alimentaire | 268686 | 6301.91 | 67422.95 | 237927.936 | 1455113.3 | 146509.16 | 22240.2 | 263703.94571 | 164449 | 2632354.4017100004 210 | Industrie des boissons | 1341 | 0 | 3224.62 | 874619.092 | 2647731.17 | 109587.606 | 0 | 257844.48585 | 75237 | 3969584.9738499997 220 | Industrie du bois | 12614 | 127.92 | 13891.09 | 1479.074 | 0 | 0 | 0 | 0 | 0 | 28112.084000000003 230 | Industrie chimique | 0 | 0 | 24000.33 | 307906.017 | 72731.59 | 91660.408 | 0 | 200261.53 | 0 | 696559.875 240 | Industrie du textile | 251727 | 0 | 223463.39 | 770516.697 | 131861.81 | 213049.294 | 0 | 0 | 9975 | 1600593.191 250 | Industrie pharmacie | 0 | 0 | 12830.58 | 2673.794 | 7597.47 | 18836.878 | 0 | 0 | 0 | 41938.722 260 | Imprimerie, édition | 19084 | 0 | 975.54 | 80107.091 | 53043.65 | 34688.161 | 0 | 0 | 0 | 187898.44199999998 270 | Sidérurgie, aciérie | 376194 | 0 | 160304.46 | 488485.061 | 313486.87 | 217668.187 | 0 | 0 | 48923 | 1605061.5779999997 280 | Industrie de la fabrication | 64539 | 3800.13 | 94118.93 | 1009263.273 | 506549.97 | 101715.323 | 0 | 0 | 7710 | 1787696.6260000002 290 | Autres industries | 0 | 0 | 1.13 | 111221.785 | 118141.7 | 55969.27 | 0 | 0 | 2179 | 287512.885 300 | Production et distribution de l'électricité | 209203 | 0 | 342646.22 | 1059696.588 | 108.77 | 375.153 | 0 | 48389.528770000004 | 0 | 1660419.25977 400 | Production et distribution de gaz | 0 | 300.19 | 2369.32 | 2426.681 | 287140.01 | 104749.459 | 0 | 0 | 0 | 396985.66000000003 500 | Traitement et distribution de l'eau | 0 | 8267.16 | 10062.98 | 249257.269 | 38705.94 | 0 | 0 | 0 | 0 | 306293.349 600 | Entrep/ batiment et corps/ métiers corresp. | 778773 | 131526.77 | 579807.21 | 2589740.673 | 621384.22 | 341213.665 | 0 | 0 | 375817 | 5418262.538 700 | Commerce de gros(1) | 840149 | 217749.08 | 544821.78 | 4175451.036 | 3464810.46 | 614629.179 | 1603.52 | 81190.84998999999 | 42841 | 9983245.904989997 800 | Commerce de détail(2) | 119950 | 297332.58 | 281496.41 | 2958113.836 | 3647202.55 | 625702.641 | 2373.39 | 282192.93239 | 7705 | 8222069.339389999 900 | Rest/débits/boissons, casinos/activités/loterie | 88073 | 0 | 7593.02 | 27182.119 | 20982.13 | 19016.491 | 0 | 0 | 4987 | 167833.76 1000 | Hotels,motels et pensions | 324710 | 0 | 7730.43 | 1328495.867 | 295275.98 | 734325.606 | 315287.95 | 0 | 0 | 3005825.833 1100 | Transport | 107809 | 133438.64 | 69437.82 | 68874.922 | 732263.4 | 36073.766 | 0 | 1.29836 | 0 | 1147898.84636 1200 | Immobilier résidentiel / Avance Hypothécaire | 1268052 | 264142.57 | 667063.53 | 306539.308 | 1324510.62 | 402425.232 | 2092504.71 | 0 | 791413 | 7116650.970000001 1300 | Immobilier commercial | 630863 | 46347.81 | 191571.72 | 849703.248 | 4268949.98 | 66598.942 | 999775.3 | 0 | 28472 | 7082282 1400 | Télécommunications | 404856 | 0 | 3317.47 | 155312.228 | 271563.41 | 2779.951 | 0 | 45357.6 | 312059 | 1195245.659 1500 | Services financiers | 80840 | 48572.15 | 43459.73 | 1464141.103 | 2288194.65 | 1073597.169 | 0 | 209976.37103 | 712963 | 5921744.17303 1510 | Services professionnels | 864080 | 25390.03 | 26748.73 | 567305.593 | 168236.05 | 131263.918 | 0 | 0.8425199999999999 | 76416 | 1859441.1635200002 1520 | Services médicaux | 2785 | 1242.63 | 3.18 | 42862.455 | 44309.81 | 47270.459 | 0 | 0 | 1092 | 139565.53399999999 1530 | Services d'agence ou de représentation | 1538 | 0 | 4660.47 | 19798.56 | 29298.46 | 111.483 | 0 | 0 | 0 | 55406.973000000005 1540 | Services d'enseignement | 23413 | 0 | 10705.16 | 159901.115 | 11460.99 | 20419.925 | 0 | 0 | 6074 | 231974.18999999997 1550 | Autres services | 768043 | 45754.98 | 5355.98 | 1403108.441 | 173076.06 | 410364.78 | 0 | 27948.04322 | 13886 | 2847537.2842200003 1560 | Crédit à la consommation | 2965195 | 177069.08 | 897641.5 | 1775905.857 | 1548738.56 | 222659.809 | 463700.07 | 3834.655 | 601553 | 8656297.531 Total | 10472517 | 1407363.63 | 4296729.98 | 23091310.062999997 | 24629665.839999996 | 5843261.914999999 | 3897485.14 | 1420702.08284 | 3283751 | 78342786.65084 (1) Commerce de gros Import-export | 2137 | 43096.41 | 482665.7 | 954480.852 | 1456099.03 | 147468 | 0 | 0 | 0 | 3085946.9919999996 Produits pétroliers | 150798 | 0 | 0 | 3803.572 | 0 | 34605 | 0 | 0 | 0 | 189206.572 Produits pharmaceutiques | 0 | 361.83 | 36.56 | 131605.165 | 104828.75 | 2648 | 0 | 0 | 0 | 239480.30500000002 Produits alimentaires | 454433 | 19572.7 | 50897.8 | 1824038.656 | 861384.86 | 256308 | 0 | 81191.84998999999 | 10101 | 3557927.86599 Matériaux de construction | 0 | 95106.94 | 10827.02 | 190420.123 | 582821.6 | 163552 | 0 | 0 | 32740 | 1075467.683 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 232780 | 59611.2 | 428.21 | 1071102.668 | 459676.23 | 10048 | 0 | 0 | 0 | 1833646.3080000002 S-Total | 840148 | 217749.08000000002 | 544855.29 | 4175451.0360000003 | 3464810.47 | 614629 | - | 81191.84998999999 | 42841 | 9981675.725990001 (2) Commerce de détail Produits pétroliers | 27275 | 7647.25 | 8240.14707 | 131358.737 | 105119.25 | 6215 | 0 | 0 | 0 | 285855.38407000003 Produits pharmaceutiques | 0 | 0 | 20.93805 | 13338.551 | 1261.87 | 16951 | 0 | 0 | 440 | 32012.35905 Véhicules automobiles | 9608 | 0 | 23921.26184 | 858223.614 | 1849649.65 | 118997 | 0 | 93609.86793000001 | 0 | 2954009.39377 Produits alimentaires | 0 | 0 | 165981.65627 | 727617.648 | 559526.3 | 200836 | 0 | 0 | 4020 | 1657981.60427 Librairie ,papeterie | 1422 | 0 | 0 | 56487.759 | 23831.83 | 11008 | 0 | 0 | 904 | 93653.589 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 28495.04417 | 289395.635 | 200453.33 | 214205 | 0 | 0 | 0 | 732549.00917 Matériaux de construction | 16440 | 1295.69 | 52466.45965999999 | 327522.232 | 424789.19 | 147 | 0 | 0 | 0 | 822660.57166 Autres | 65205 | 288389.63 | 2370.9033999999997 | 554169.661 | 482571.14 | 57343 | 0 | 188583.06446 | 2341 | 1640973.39886 S-Total | 119950 | 297332.57 | 281496.41046 | 2958113.837 | 3647202.5600000005 | 625702 | - | 282192.93239 | 7705 | 8219695.309849999 [Secteur d'activité décem 15 (%)] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 1.000761048521834e-06 | 0.00014262265722537063 | 0.003540294073271114 | 0 | 0 | 0 | 0 | 0.0011551019292090718 200 | Industrie alimentaire | 0.025656296380325763 | 0.00447781217708461 | 0.015691688868938417 | 0.010303786807715173 | 0.05907970126159049 | 0.02507318037959283 | 0.0057062950084782104 | 0.18561523129666477 | 0.05007961931340105 | 0.03360046935070028 210 | Industrie des boissons | 0.00012804944599278283 | 0 | 0.0007504823470429016 | 0.0378765470479491 | 0.10750170900410398 | 0.018754525741637926 | - | 0.18149089028895196 | 0.022911907754272477 | 0.050669438036991726 220 | Industrie du bois | 0.001204485989375811 | 9.089335355355176e-05 | 0.0032329446031421315 | 6.405327354596357e-05 | 0 | 0 | - | 0 | 0 | 0.0003588343637212014 230 | Industrie chimique | 0 | 0 | 0.00558571986410931 | 0.013334280998347011 | 0.0029530075833136033 | 0.015686513685909287 | - | 0.1409595526175867 | 0 | 0.0088911807299432 240 | Industrie du textile | 0.0240369149078488 | 0 | 0.05200778057735897 | 0.033368253897150056 | 0.005353779903333029 | 0.036460678487317134 | - | 0 | 0.003037684647831093 | 0.020430638983185038 250 | Industrie pharmacie | 0 | 0 | 0.002986126673010064 | 0.00011579221762234756 | 0.000308468253258283 | 0.0032236922243113254 | - | 0 | 0 | 0.0005353233372577555 260 | Imprimerie, édition | 0.0018222935326817804 | 0 | 0.00022704242634302094 | 0.0034691444868846294 | 0.002153648788602485 | 0.005936437815829107 | - | 0 | 0 | 0.0023984140727266985 270 | Sidérurgie, aciérie | 0.03592202333020801 | 0 | 0.03730847894705266 | 0.021154497500023458 | 0.012728019618150047 | 0.03725114331110726 | - | 0 | 0.014898510879783515 | 0.020487675338298553 280 | Industrie de la fabrication | 0.006162701860498293 | 0.00270017635740665 | 0.021904781179663515 | 0.04370749300262428 | 0.020566660274267044 | 0.01740728457488629 | - | 0 | 0.002347924675165687 | 0.02281890525502302 290 | Autres industries | 0 | 0 | 2.6299069414643546e-07 | 0.004816607836305248 | 0.004796723624570297 | 0.009578429105894359 | - | 0 | 0.0006635704107893686 | 0.0036699343652580843 300 | Production et distribution de l'électricité | 0.01997638199107244 | 0 | 0.07974581172075419 | 0.04589157501713116 | 4.416219071204419e-06 | 6.420266718439576e-05 | - | 0.034060292692236205 | 0 | 0.02119428387415163 400 | Production et distribution de gaz | 0 | 0.0002132995294187047 | 0.0005514239924380819 | 0.00010509065935970236 | 0.011658299055510047 | 0.017926538382799843 | - | 0 | 0 | 0.005067290518644622 500 | Traitement et distribution de l'eau | 0 | 0.005874217454376024 | 0.0023420089339661037 | 0.010794418693437127 | 0.001571517057983764 | 0 | - | 0 | 0 | 0.003909656039746141 600 | Entrep/ batiment et corps/ métiers corresp. | 0.0743634982879474 | 0.09345613826897033 | 0.13494150498142307 | 0.11215217611882622 | 0.02522909665265682 | 0.0583943814197485 | - | 0 | 0.11444747180891608 | 0.06916096260589047 700 | Commerce de gros(1) | 0.08022417151483259 | 0.1547212641838698 | 0.1267991664675191 | 0.18082347968166904 | 0.14067630809561973 | 0.10518597111353344 | 0.0004114242755008939 | 0.05714839935174765 | 0.013046360701527003 | 0.12743031403112537 800 | Commerce de détail(2) | 0.011453788998385011 | 0.2112691941598633 | 0.0655141028899377 | 0.12810506757431178 | 0.1480816903360797 | 0.10708105337427785 | 0.0006089542139986196 | 0.1986292100212122 | 0.0023464020262194056 | 0.10494992188667368 900 | Rest/débits/boissons, casinos/activités/loterie | 0.008409917119256049 | 0 | 0.00176716247829006 | 0.001177157940620911 | 0.0008519047776086272 | 0.0032544307061067286 | - | 0 | 0.0015186900590209184 | 0.0021423001041309076 1000 | Hotels,motels et pensions | 0.0310059176795798 | 0 | 0.0017991426121685215 | 0.05753228653443508 | 0.01198863118639859 | 0.12567049307082107 | 0.08089522824967076 | 0 | 0 | 0.03836761444798276 1100 | Transport | 0.010294468846410085 | 0.09481461447174105 | 0.016160619895411718 | 0.0029827204178580007 | 0.029730951477659192 | 0.006173566498430699 | - | 0 | 0 | 0.014652259581676397 1200 | Immobilier résidentiel | 0.12108378530204343 | 0.18768608508093962 | 0.15524911574732 | 0.013275093841088667 | 0.053777043854525974 | 0.06886996301961934 | 0.5368858725141925 | 0 | 0.24100883410465654 | 0.0908399008286195 1300 | Immobilier commercial | 0.06023986401740861 | 0.03293236304536305 | 0.04458546869170494 | 0.036797533170779634 | 0.17332553383923624 | 0.011397562349385121 | 0.2565180530746039 | 0 | 0.008670572159703948 | 0.0904012009626934 1400 | Télécommunications | 0.03865890119825062 | 0 | 0.0007720918036371462 | 0.006726003313638845 | 0.011025866601850738 | 0.00047575327624176854 | - | 0.03192618674094545 | 0.09503126150551611 | 0.015256614043191997 1500 | Services financiers | 0.007719252210333008 | 0.03451286431211811 | 0.01011460580541298 | 0.06340658451189583 | 0.09290400709715842 | 0.1837325084203418 | - | 0.14779760905977896 | 0.21711847213750374 | 0.0755876121616936 1510 | Services professionnels | 0.08250929552083802 | 0.018040845634187664 | 0.006225369088704056 | 0.02456792583236814 | 0.006830626574184979 | 0.02246415100152156 | 0 | 0 | 0.023270948375805595 | 0.02373468245145787 1520 | Services médicaux | 0.00026593415890372867 | 0.000882948779911273 | 7.400977056510308e-07 | 0.001856215818117656 | 0.0017990422723494005 | 0.00808973817837156 | 0 | 0 | 0.00033254652986782493 | 0.0017814726788060143 1530 | Services d'agence ou de représentation | 0.00014686058757412378 | 0 | 0.0010846550799545472 | 0.0008574030640090843 | 0.0011895597849491573 | 1.907889833139544e-05 | 0 | 0 | 0 | 0.000707237709668653 1540 | Services d'enseignement | 0.002235661207329623 | 0 | 0.0024914667781846507 | 0.006924731189514235 | 0.000465332744441327 | 0.0034946105954245937 | 0 | 0 | 0.0018497139399424622 | 0.0029610153010495794 1550 | Autres services | 0.07333891174394847 | 0.032511128627077 | 0.0012465246885260402 | 0.060763483629638196 | 0.007027137969485339 | 0.07022871573608046 | - | 0.01967199426084569 | 0.004228700653612287 | 0.036347153400490745 1560 | Crédit à la consommation | 0.28314062416895575 | 0.1258161545641193 | 0.20891270900853767 | 0.07690797326590817 | 0.06288102201877052 | 0.038105395965294504 | 0.11897417266355505 | 0.0026991267531152486 | 0.18319080831646492 | 0.11049259160999203 Total | 1 | 0.9999999999999999 | 1 | 1.0000000000000002 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 0.9999984930830849 | 1 | 1 (1) Commerce de gros Import-export | 0.00020405791654480007 | 0.03062208592103521 | 0.11233326325988956 | 0.041335067148459345 | 0.05911972332305099 | 0.0252372736572771 | - | 0 | 0 | 0.039390314334279704 Produits pétroliers | 0.014399403696360674 | 0 | 0 | 0.00016471876171697138 | 0 | 0.005922205867781986 | - | 0 | 0 | 0.002415111589574422 Produits pharmaceutiques | 0 | 0.0002570977338671172 | 0 | 0.005699337310916608 | 0.004256198629774021 | 0.00045317153988980494 | - | 0 | 0 | 0.0030568264831747887 Produits alimentaires | 0.043392911178850316 | 0.013907351009205775 | 0.01184570597568712 | 0.07899242836476048 | 0.03497346921374229 | 0.04386385613522512 | - | 0.057149103229085535 | 0.0030760554012773805 | 0.04541487503944757 Matériaux de construction | 0 | 0.06757808570056625 | 0.0025198278808295045 | 0.008246397561700786 | 0.023663398593636788 | 0.02798984580515762 | - | 0 | 0.009970305300249623 | 0.013727718006677117 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.02222770323504846 | 0.04235664381919547 | 9.965950897384525e-05 | 0.04638553053411486 | 0.018663518741430074 | 0.001719587474627175 | - | 0 | 0 | 0.023405426158406118 S-Total | 0.08022407602680426 | 0.15472126418386983 | 0.12679845662538 | 0.18082347968166906 | 0.14067630850163415 | 0.10518594047995881 | - | 0.057149103229085535 | 0.013046360701527003 | 0.1274102716115597 (2) Commerce de détail Produits pétroliers | 0.002604435972746571 | 0.005433741384946832 | 0.001917771679476121 | 0.005688665417493165 | 0.004267993349275583 | 0.001063618247890913 | - | 0 | 0 | 0.0036487773321621443 Produits pharmaceutiques | 0 | 0 | 4.873019737675021e-06 | 0.0005776437527194621 | 5.123374422525255e-05 | 0.002900948176990968 | - | 0 | 0.00013399310727274998 | 0.00040861910098594583 Véhicules automobiles | 0.000917448976210781 | 0 | 0.00556731792580552 | 0.03716651899171201 | 0.07509844680864741 | 0.020364823917019305 | - | 0.06588986463852632 | 0 | 0.03770620780870994 Produits alimentaires | 0 | 0 | 0.03862976194515253 | 0.03151045332702396 | 0.022717575773654918 | 0.03437052846877223 | - | 0 | 0.0012242097528101248 | 0.021163168622777385 Librairie ,papeterie | 0.0001357839762876489 | 0 | 0 | 0.002446277792203409 | 0.0009676067127673221 | 0.0018838792715660773 | - | 0 | 0.00027529492948764997 | 0.0011954334662283275 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.00663179773982446 | 0.012532664201833599 | 0.008138694666106765 | 0.03665846287843492 | - | 0 | 0 | 0.009350561046990093 Matériaux de construction | 0.0015698231857728185 | 0.0009206504789384107 | 0.01221078818176049 | 0.014183787368772991 | 0.01724705453819507 | 0 | - | 0 | 0 | 0.010500782609718151 Autres | 0.006226296887367192 | 0.20491479519049388 | 0.0005517925052390654 | 0.023999056765859512 | 0.019593085149221826 | 0.009813525533195273 | - | 0.1327393453826859 | 0.0007129042366488811 | 0.020946068796014742 S-Total | 0.011453788998385011 | 0.21126918705437914 | 0.06551410299699587 | 0.1281050676176181 | 0.14808169074209415 | 0.10705578649386968 | - | 0.1986292100212122 | 0.002346402026219406 | 0.10491961878358672 [Secteur d'activité déc. 15 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2015 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 960099 | 515081.66000000003 | 826318.19 | 7133564.8719999995 | 7112013.01 | 1240331.8199999998 | 3976.91 | 363383.78238 | 50546 | 18205315.244379997 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2153482 | 120959.79000000001 | 106256.70000000001 | 5012795.2530000005 | 3030834.13 | 2436369.8310000002 | 315287.95 | 237925.25677 | 815418 | 14229328.910769999 Industries Manufacturières ( 200 à 290 ) | 994185 | 10229.96 | 600233.0199999999 | 3884199.8200000003 | 5306257.529999999 | 989684.287 | 22240.2 | 721809.96156 | 308473 | 12837312.77856 Prêts aux Particuliers ( 1560 ) | 2965195 | 177069.08 | 897641.5 | 1775905.857 | 1548738.56 | 222659.809 | 463700.07 | 3834.655 | 601553 | 8656297.531 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1898915 | 310490.38 | 858635.25 | 1156242.556 | 5593460.600000001 | 469024.174 | 3092280.01 | 0 | 819885 | 14198932.97 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 512665 | 133438.64 | 72755.29000000001 | 224187.15000000002 | 1003826.81 | 38853.717000000004 | 0 | 45358.89836 | 312059 | 2343144.50536 Bâtiments et Travaux Publics ( 600 ) | 778773 | 131526.77 | 579807.21 | 2589740.673 | 621384.22 | 341213.665 | 0 | 0 | 375817 | 5418262.538 Électricité, Gaz et Eau ( 300 à 500 ) | 209203 | 8567.35 | 355078.51999999996 | 1311380.5380000002 | 325954.72000000003 | 105124.61200000001 | 0 | 48389.528770000004 | 0 | 2363698.268770001 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.3 | 3293.344 | 87196.26 | 0 | 0 | 0 | 0 | 90493.904 Total | 10472517 | 1407363.6300000004 | 4296729.9799999995 | 23091310.063 | 24629665.84 | 5843261.915 | 3897485.1399999997 | 1420702.0828399998 | 3283751 | 78342786.65084 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.0916779605132176 | 0.365990458343733 | 0.19231326935745682 | 0.30892854725598073 | 0.28875799843169936 | 0.21226702448781123 | 0.0010203784894995136 | 0.2557776093729599 | 0.015392762727746409 | 0.23238023591779905 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.2056317502277628 | 0.08594778735329403 | 0.024729666628946514 | 0.21708578852059912 | 0.12305624240657582 | 0.41695372660699914 | 0.08089522824967077 | 0.16747019635135937 | 0.24831907169575282 | 0.18162908825528012 Industries Manufacturières ( 200 à 290 ) | 0.09493276544693124 | 0.007268881888044809 | 0.13969530847735515 | 0.16821045706816726 | 0.21544171831118922 | 0.16937188532648548 | 0.005706295008478211 | 0.5080656742032035 | 0.09393921768124319 | 0.16386081383310555 Prêts aux Particuliers ( 1560 ) | 0.28314062416895575 | 0.12581615456411926 | 0.20891270900853773 | 0.07690797326590816 | 0.06288102201877052 | 0.0381053959652945 | 0.11897417266355506 | 0.002699126753115249 | 0.18319080831646492 | 0.11049259160999203 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.18132364931945205 | 0.2206184481263026 | 0.19983458443902496 | 0.0500726270118683 | 0.2271025776937622 | 0.08026752536900444 | 0.7934039255887965 | 0 | 0.24967940626436047 | 0.1812411017913129 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.04895337004466071 | 0.09481461447174103 | 0.01693271169904887 | 0.009708723731496845 | 0.04075681807950993 | 0.006649319774672467 | 0 | 0.03192710062712588 | 0.09503126150551611 | 0.02990887362486839 Bâtiments et Travaux Publics ( 600 ) | 0.0743634982879474 | 0.0934561382689703 | 0.1349415049814231 | 0.1121521761188262 | 0.025229096652656817 | 0.05839438141974849 | 0 | 0 | 0.11444747180891608 | 0.06916096260589047 Électricité, Gaz et Eau ( 300 à 500 ) | 0.01997638199107244 | 0.006087516983794727 | 0.0826392446471584 | 0.05679108436992798 | 0.013234232332565014 | 0.017990741049984237 | 0 | 0.034060292692236205 | 0 | 0.03017123043254241 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1.0007610485218343e-06 | 0.0001426226572253706 | 0.0035402940732711134 | 0 | 0 | 0 | 0 | 0.0011551019292090718 Total | 1 | 0.9999999999999997 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1 | 1 | 1 [Secteur d'activité septembre 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 6.09 | 2819.23 | 88659.57 | 0 | 0 | 0 | 0 | 91484.89000000001 200 | Industrie alimentaire | 411980 | 6301.91 | 68116.3 | 232336.11 | 1098557.65 | 157519.05 | 40840.1 | 274015.72 | 157926 | 2447592.84 210 | Industrie des boissons | 1386 | 0 | 3.78 | 768839.45 | 2440676.15 | 111255.26 | 0 | 244232.04 | 78291 | 3644683.6799999997 220 | Industrie du bois | 18282 | 261.03 | 25913.28 | 140.59 | 0 | 286.17 | 0 | 0 | 0 | 44883.06999999999 230 | Industrie chimique | 0 | 0 | 24000 | 299506.74 | 79472.34 | 79485.68 | 0 | 244696.17 | 0 | 727160.9299999999 240 | Industrie du textile | 269695 | 0 | 100891.71 | 759474.43 | 123787.13 | 196574.21 | 0 | 0 | 9056 | 1459478.48 250 | Industrie pharmacie | 0 | 0 | 5837.73 | 3090.76 | 10474.48 | 17342.66 | 0 | 0 | 0 | 36745.630000000005 260 | Imprimerie, édition | 9463 | 0 | 5469.25 | 217596.64 | 36907.59 | 28110.6 | 0 | 0 | 4542 | 302089.07999999996 270 | Sidérurgie, aciérie | 376194 | 0 | 38896.11 | 413568.79 | 316381.04 | 211187.78 | 0 | 66560.1 | 49195 | 1471982.82 280 | Industrie de la fabrication | 64909 | 3087.35 | 105408.62 | 999240.37 | 522046.02 | 117177.47 | 0 | 12507.68 | 5605 | 1829981.51 290 | Autres industries | 0 | 0 | 121.02 | 104927.18 | 88820.38 | 52184.21 | 0 | 0 | 854 | 246906.79 300 | Production et distribution de l'électricité | 356730 | 0 | 378988.13 | 1019739.65 | 204.02 | 897.21 | 0 | 126617.72 | 0 | 1883176.73 400 | Production et distribution de gaz | 0 | 0 | 2847.28 | 2587.47 | 374644.65 | 96441.07 | 0 | 0 | 0 | 476520.47000000003 500 | Traitement et distribution de l'eau | 0 | 9430.46 | 9477.34 | 284938.7 | 25848.49 | 0 | 0 | 0 | 0 | 329694.99 600 | Entrep/ batiment et corps/ métiers corresp. | 548583 | 175567.61 | 535570.48 | 2696582.92 | 589348.15 | 315028.8 | 0 | 0 | 575009 | 5435689.96 700 | Commerce de gros(1) | 771976 | 136035.79 | 334986.74 | 3758446.95 | 3033083.4 | 546479.22 | 1584.76 | 0 | 23360 | 8605952.860000001 800 | Commerce de détail(2) | 108383 | 359820.93 | 194060.44 | 2651494.27 | 3563570.78 | 575358.98 | 4070.66 | 333537.23 | 9060 | 7799356.290000001 900 | Rest/débits/boissons, casinos/activités/loterie | 81993 | 0 | 11267.53 | 15831.53 | 10986.41 | 18549.26 | 0 | 0 | 7076 | 145703.73 1000 | Hotels,motels et pensions | 277180 | 0 | 8247.69 | 1272988.94 | 291582.24 | 649669.38 | 329073.83 | 0 | 0 | 2828742.08 1100 | Transport | 114998 | 133732.47 | 67596.85 | 65345.86 | 726423.24 | 30940.75 | 0 | 1.15 | 0 | 1139038.3199999998 1200 | Immobilier résidentiel / Avance Hypothécaire | 1222698 | 259232.15 | 566377.35 | 298733.64 | 1122643.48 | 444860.38 | 1961700.44 | 0 | 805461 | 6681706.4399999995 1300 | Immobilier commercial | 600528 | 45374.93 | 237195.85 | 815883.07 | 4157762.83 | 68800.11 | 883362.28 | 0 | 32346 | 6841253.07 1400 | Télécommunications | 420990 | 0 | 3950.35 | 139370.01 | 368107.24 | 1914.25 | 0 | 32109.91 | 310317 | 1276758.76 1500 | Services financiers | 81527 | 11911.46 | 46650.62 | 1555891.64 | 2120374.62 | 992963.09 | 0 | 221620.85 | 653191 | 5684130.279999999 1510 | Services professionnels | 822829 | 24758.89 | 19443.54 | 597221.87 | 171186.55 | 126633.93 | 0 | 0 | 78309 | 1840382.78 1520 | Services médicaux | 2785 | 1253.36 | 1.25 | 47190.19 | 45047.19 | 48788.89 | 0 | 0 | 1246 | 146311.88 1530 | Services d'agence ou de représentation | 1617 | 0 | 4358.76 | 102581.81 | 31209.97 | 121.17 | 0 | 0 | 0 | 139888.71 1540 | Services d'enseignement | 24394 | 0 | 3324.4 | 80254.24 | 9876.91 | 21457.86 | 262.6 | 0 | 5871 | 145441.01000000004 1550 | Autres services | 525228 | 17530.95 | 5684.78 | 1487759.86 | 201465.51 | 403859.81 | 0 | 63300.73 | 15202 | 2720031.64 1560 | Crédit à la consommation | 3137289 | 189169.82 | 836768.23 | 2065655.48 | 1563579.03 | 198729.92 | 436689.99 | 4727.74 | 599364 | 9031973.209999999 Total | 10251637 | 1373469.1099999999 | 3641461.5 | 22760038.39 | 23212727.060000002 | 5512617.169999999 | 3657584.66 | 1623927.04 | 3421281 | 75454742.92999999 (1) Commerce de gros Import-export | 0 | 42642.02 | 252584.63 | 935331.9 | 1177857.08 | 150857 | 0 | 0 | 0 | 2559272.63 Produits pétroliers | 169686 | 0 | 0 | 4266.03 | 8868.01 | 34721 | 0 | 0 | 0 | 217541.04 Produits pharmaceutiques | 0 | 524.77 | 0.17 | 149945.19 | 104948.74 | 17942 | 0 | 0 | 0 | 273360.87 Produits alimentaires | 289545 | 19760.55 | 62905.91 | 1699202.62 | 875248.03 | 228958 | 0 | 0 | 17785 | 3193405.1100000003 Matériaux de construction | 0 | 0 | 9957.13 | 181410.73 | 405308.95 | 108156 | 0 | 0 | 5575 | 710407.81 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 312745 | 73108.46 | 9538.9 | 788290.48 | 460852.6 | 5844 | 0 | 0 | 0 | 1650379.44 S-Total | 771976 | 136035.8 | 334986.74000000005 | 3758446.95 | 3033083.4100000006 | 546478 | - | 0 | 23360 | 8604366.9 (2) Commerce de détail Produits pétroliers | 26912 | 7881.18 | 911.85 | 117152.94 | 98952.68 | 10308 | 0 | 0 | 0 | 262118.65 Produits pharmaceutiques | 0 | 0 | 593.31 | 8461.62 | 1136.07 | 17933 | 0 | 0 | 642 | 28766 Véhicules automobiles | 18869 | 0 | 9319 | 774669.67 | 1611447.82 | 93100 | 0 | 86955.62 | 0 | 2594361.1100000003 Produits alimentaires | 0 | 0 | 102944.43 | 698361.59 | 552338.86 | 191347 | 0 | 0 | 4240 | 1549231.88 Librairie ,papeterie | 1500 | 0 | 0 | 45134.64 | 23631.03 | 10128 | 0 | 0 | 1028 | 81421.67 Appareils électro- ménagers électroni.équip. inform. | 15119 | 0 | 77460.23 | 273009.17 | 205223.76 | 208260 | 0 | 0 | 0 | 779072.1599999999 Matériaux de construction | 0 | 1303.54 | 0 | 271101.18 | 260423.76 | 1 | 0 | 0 | 0 | 532829.48 Autres | 45984 | 350636.2 | 2831.61 | 463603.47 | 810416.79 | 44283 | 0 | 246581.6 | 3151 | 1967487.6700000002 S-Total | 108384 | 359820.92000000004 | 194060.43 | 2651494.2799999993 | 3563570.7699999996 | 575360 | - | 333537.22 | 9061 | 7795288.620000001 [Secteur d'activité septem 15 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 1.6724054339171236e-06 | 0.00012386754150813187 | 0.0038194379217415396 | 0 | 0 | 0 | 0 | 0.001212447176248037 200 | Industrie alimentaire | 0.04018675261326557 | 0.0045883157867307265 | 0.018705758663108207 | 0.010208071973291604 | 0.04732566092559742 | 0.028574276998088736 | 0.011165865946080383 | 0.16873647229865693 | 0.04615990326430364 | 0.03243789250293587 210 | Industrie des boissons | 0.00013519792009802922 | 0 | 1.0380447520864905e-06 | 0.03378023520108834 | 0.10514387834274563 | 0.020181931117121275 | - | 0.1503959438965928 | 0.022883533974555146 | 0.04830291030719174 220 | Industrie du bois | 0.0017833249460549568 | 0.0001900515986122178 | 0.007116175744271908 | 6.177054607331882e-06 | 0 | 5.1911821767227865e-05 | - | 0 | 0 | 0.0005948343107024882 230 | Industrie chimique | 0 | 0 | 0.006590760330707876 | 0.013159324903933081 | 0.003423653747988367 | 0.014418864497350904 | - | 0.15068175107177229 | 0 | 0.009637047344718852 240 | Industrie du textile | 0.026307505815900425 | 0 | 0.0277063783318868 | 0.03336876752957006 | 0.005332726727025066 | 0.03565896269194402 | - | 0 | 0.002646961766659915 | 0.01934243525756851 250 | Industrie pharmacie | 0 | 0 | 0.0016031283043909704 | 0.0001357976619827661 | 0.0004512386663111869 | 0.0031459939018402766 | - | 0 | 0 | 0.000486989002587806 260 | Imprimerie, édition | 0.0009230720908280307 | 0 | 0.0015019381641135023 | 0.009560468935571071 | 0.0015899721693449314 | 0.0050993201837014205 | - | 0 | 0.0013275729178632214 | 0.004003579738920462 270 | Sidérurgie, aciérie | 0.03669599303994084 | 0 | 0.010681455783618747 | 0.018170830071258064 | 0.013629636844573313 | 0.03830989410062735 | - | 0.04098712464323521 | 0.014379117061708758 | 0.019508154992530703 280 | Industrie de la fabrication | 0.006331574167130576 | 0.0022478481514593366 | 0.028946789633777534 | 0.04390328139512422 | 0.022489646246674128 | 0.021256232092024634 | - | 0.00770211942526679 | 0.0016382752542103381 | 0.02425270352716846 290 | Autres industries | 0 | 0 | 3.323390896759447e-05 | 0.004610149517414764 | 0.0038263655868790453 | 0.009466322146219345 | - | 0 | 0.00024961410652910417 | 0.003272250098698998 300 | Production et distribution de l'électricité | 0.034797369434754664 | 0 | 0.10407583054221499 | 0.04480395122918771 | 8.789143967128522e-06 | 0.00016275572424703677 | - | 0.07797007924691 | 0 | 0.024957698573660758 400 | Production et distribution de gaz | 0 | 0 | 0.0007819058364340801 | 0.0001136847818823033 | 0.016139622416255644 | 0.01749460683118687 | - | 0 | 0 | 0.006315315002028065 500 | Traitement et distribution de l'eau | 0 | 0.006866160972488125 | 0.002602619854692958 | 0.012519253927321693 | 0.0011135481812708653 | 0 | - | 0 | 0 | 0.0043694402392419635 600 | Entrep/ batiment et corps/ métiers corresp. | 0.05351174646546693 | 0.127827854825217 | 0.14707569474509066 | 0.11847883882238038 | 0.025389009592740198 | 0.05714686695720611 | - | 0 | 0.16806833463840007 | 0.07203907599344332 700 | Commerce de gros(1) | 0.07530270531428297 | 0.09904539462121578 | 0.09199238822104806 | 0.16513359448687645 | 0.13066467339921412 | 0.09913244528823323 | 0.00043328046984973954 | 0 | 0.006827851906931936 | 0.11405449844264684 800 | Commerce de détail(2) | 0.010572262751792714 | 0.26197963054298323 | 0.053291910404654835 | 0.11649779427283294 | 0.15351797187762217 | 0.10437129266496845 | 0.0011129366449169216 | 0.20538929507571965 | 0.0026481309193837044 | 0.1033646923591739 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007998039727703975 | 0 | 0.0030942329062108717 | 0.0006955845033616395 | 0.0004732925162822295 | 0.003364873603221753 | - | 0 | 0.0020682311683840058 | 0.0019310082354288929 1000 | Hotels,motels et pensions | 0.027037633111667923 | 0 | 0.002264939502999002 | 0.05593087841887423 | 0.012561309114880015 | 0.11785135081310211 | 0.08997025649161597 | 0 | 0 | 0.037489254752670065 1100 | Transport | 0.01121752555226058 | 0.09736838566394844 | 0.018563109894200448 | 0.0028710786370514554 | 0.031294179185511 | 0.005612715167013857 | - | 7.08159893685864e-07 | 0 | 0.01509564907081713 1200 | Immobilier résidentiel | 0.11926856169409822 | 0.18874261394928643 | 0.15553572377464378 | 0.01312535747440802 | 0.04836327403920287 | 0.08069858041674968 | 0.5363376715386815 | 0 | 0.2354267305140969 | 0.08855250419710098 1300 | Immobilier commercial | 0.05857874210723614 | 0.03303673134665548 | 0.065137541616189 | 0.03584717459696692 | 0.1791156557888722 | 0.012480480301518927 | 0.24151519708090638 | 0 | 0.00945435350092553 | 0.0906669720728714 1400 | Télécommunications | 0.04106563663929966 | 0 | 0.0010848254196838274 | 0.0061234523251610384 | 0.015857991999325215 | 0.00034724885493907795 | - | 0.019773000392924057 | 0.09070199144706324 | 0.016920854944591886 1500 | Services financiers | 0.007952583572750381 | 0.008672535780582644 | 0.012810960654121979 | 0.06836067731254823 | 0.09134534751213329 | 0.18012553010279148 | - | 0.13647217180397464 | 0.19092000920123195 | 0.07533164993051816 1510 | Services professionnels | 0.08026318138264162 | 0.018026535740581745 | 0.00533948800502216 | 0.026239932453822192 | 0.0073746849974808595 | 0.022971653226556275 | 0 | 0 | 0.0228887951618122 | 0.02439055132302735 1520 | Services médicaux | 0.00027166393035570806 | 0.000912550556015053 | 3.4326876722436855e-07 | 0.002073379191694764 | 0.0019406246359405562 | 0.008850404171998762 | 0 | 0 | 0.00036419107346049624 | 0.001939068033612344 1530 | Services d'agence ou de représentation | 0.0001577309067810341 | 0 | 0.001196980937461511 | 0.004507101800191647 | 0.0013445197507095487 | 2.1980485178512773e-05 | 0 | 0 | 0 | 0.0018539419070021342 1540 | Services d'enseignement | 0.0023795224118840727 | 0 | 0.0009129301518085528 | 0.0035261030155055027 | 0.00042549546093702267 | 0.003892499576566824 | 7.179601414885636e-05 | 0 | 0.0017160239103423541 | 0.001927526413216024 1550 | Autres services | 0.05123357372095793 | 0.012763992923000652 | 0.0015611259380333966 | 0.06536719466403326 | 0.008679097009121513 | 0.07326099338039105 | - | 0.038980033240902254 | 0.004443364926762812 | 0.036048517752202754 1560 | Crédit à la consommation | 0.306028100682847 | 0.1377313975412232 | 0.22978911901169352 | 0.09075799630055018 | 0.0673586961996528 | 0.03605001288344499 | 0.11939299581380024 | 0.002911300744151658 | 0.1751870132853747 | 0.11970053649747422 Total | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 (1) Commerce de gros Import-export | 0 | 0.03104694506016229 | 0.06936353164793861 | 0.04109535686947494 | 0.05074186574268021 | 0.02736576753796238 | - | 0 | 0 | 0.0339179822317367 Produits pétroliers | 0.016552088217715862 | 0 | 0 | 0.00018743509685266395 | 0.00038203223503546416 | 0.006298460228465313 | - | 0 | 0 | 0.0028830664786945823 Produits pharmaceutiques | 0 | 0.0003820763031212257 | 4.668455234251413e-08 | 0.006588090381511874 | 0.004521172360693755 | 0.0032547154004528857 | - | 0 | 0 | 0.0036228454221042036 Produits alimentaires | 0.028243781944288508 | 0.014387327575208445 | 0.017274907341461664 | 0.07465728268483822 | 0.03770552368697002 | 0.04153344825866079 | - | 0 | 0.00519834529815002 | 0.04232212563446872 Matériaux de construction | 0 | 0 | 0.0027343773921542215 | 0.007970581019744932 | 0.017460634804017723 | 0.019619719030842843 | - | 0 | 0.0016295066087819153 | 0.009415018624595295 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.030506835152278606 | 0.05322905296355738 | 0.002619525154941223 | 0.0346348484344538 | 0.019853445000615103 | 0.001060113521360309 | - | 0 | 0 | 0.021872441359068323 S-Total | 0.07530270531428297 | 0.09904540190204933 | 0.09199238822104808 | 0.16513359448687642 | 0.1306646738300123 | 0.0991322239777445 | - | 0 | 0.006827851906931935 | 0.11403347975066783 (2) Commerce de détail Produits pétroliers | 0.0026251417212685155 | 0.005738155989543879 | 0.0002504077003148324 | 0.005147308541073159 | 0.004262863201907652 | 0.0018698922276150008 | - | 0 | 0 | 0.0034738525349316965 Produits pharmaceutiques | 0 | 0 | 0.00016293183382551208 | 0.00037177529558639734 | 4.894168604419027e-05 | 0.003253082782093501 | - | 0 | 0.00018764901216824926 | 0.0003812351468308157 Véhicules automobiles | 0.0018405840940329823 | 0 | 0.0025591373134111126 | 0.03403639557745052 | 0.06942087484313013 | 0.016888529917632573 | - | 0.05354650662138121 | 0 | 0.03438300906288702 Produits alimentaires | 0 | 0 | 0.028270086062972242 | 0.030683673640323764 | 0.023794656206154518 | 0.03471073613479313 | - | 0 | 0.001239301887217098 | 0.020531935036041876 Librairie ,papeterie | 0.00014631809534418748 | 0 | 0 | 0.001983065196402773 | 0.001018020413496388 | 0.0018372398604273117 | - | 0 | 0.0003004722500139568 | 0.0010790795493867838 Appareils électro- ménagers électroni.équip. inform. | 0.0014747888556725136 | 0 | 0.02127174212881284 | 0.011995110259565778 | 0.008841001725886833 | 0.03777878883615639 | - | 0 | 0 | 0.010325025700806532 Matériaux de construction | 0 | 0.0009490857788567229 | 0 | 0.011911279557380394 | 0.011219007543872787 | 0 | - | 0 | 0 | 0.0070615770369042334 Autres | 0.0044855275308714115 | 0.2552923814937491 | 0.0007776026191681555 | 0.020369186644416726 | 0.034912605826331544 | 0.008033026534291336 | - | 0.1518427822964263 | 0.000921000058165348 | 0.026075069552953817 S-Total | 0.010572360297189609 | 0.2619796232621497 | 0.053291907658504695 | 0.11649779471219951 | 0.15351797144682405 | 0.10437129629300923 | - | 0.20538928891780753 | 0.002648423207564652 | 0.10331078362074278 [Secteur d'activité sept 15 glo] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2015 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 880359 | 495856.72 | 529047.1799999999 | 6409941.220000001 | 6596654.18 | 1121838.2 | 5655.42 | 333537.23 | 32420 | 16405309.15 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1817553 | 55454.66 | 98978.56999999999 | 5159720.08 | 2881729.4000000004 | 2262043.39 | 329336.43 | 284921.58 | 760895 | 13650632.110000001 Industries Manufacturières ( 200 à 290 ) | 1151909 | 9650.289999999999 | 374657.80000000005 | 3798721.06 | 4717122.779999999 | 971123.09 | 40840.1 | 842011.7100000001 | 305469 | 12211504.83 Prêts aux Particuliers ( 1560 ) | 3137289 | 189169.82 | 836768.23 | 2065655.48 | 1563579.03 | 198729.92 | 436689.99 | 4727.74 | 599364 | 9031973.209999999 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1823226 | 304607.08 | 803573.2 | 1114616.71 | 5280406.3100000005 | 513660.49 | 2845062.7199999997 | 0 | 837807 | 13522959.510000002 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 535988 | 133732.47 | 71547.20000000001 | 204715.87 | 1094530.48 | 32855 | 0 | 32111.06 | 310317 | 2415797.08 Bâtiments et Travaux Publics ( 600 ) | 548583 | 175567.61 | 535570.48 | 2696582.92 | 589348.15 | 315028.8 | 0 | 0 | 575009 | 5435689.96 Électricité, Gaz et Eau ( 300 à 500 ) | 356730 | 9430.46 | 391312.75000000006 | 1307265.82 | 400697.16000000003 | 97338.28000000001 | 0 | 126617.72 | 0 | 2689392.1900000004 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 6.09 | 2819.23 | 88659.57 | 0 | 0 | 0 | 0 | 91484.89000000001 Total | 10251637 | 1373469.1099999999 | 3641461.4999999995 | 22760038.390000004 | 23212727.06 | 5512617.17 | 3657584.6599999997 | 1623927.04 | 3421281 | 75454742.92999999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.0858749680660757 | 0.361025025164199 | 0.14528429862570288 | 0.28163138875970933 | 0.28418264527683634 | 0.20350373795320162 | 0.0015462171147666616 | 0.20538929507571965 | 0.00947598282631564 | 0.2174191908018207 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.17729392876474265 | 0.040375615000180096 | 0.0271810013644247 | 0.22670085136003143 | 0.12414437099748506 | 0.41033928535980674 | 0.09004205250576483 | 0.1754522050448769 | 0.2224006154419938 | 0.18091151834767774 Industries Manufacturières ( 200 à 290 ) | 0.11236342059321842 | 0.00702621553680228 | 0.10288665690959525 | 0.16690310424384128 | 0.2032127792571391 | 0.17616370955068517 | 0.011165865946080385 | 0.518503411335524 | 0.08928497834583012 | 0.1618387970830239 Prêts aux Particuliers ( 1560 ) | 0.306028100682847 | 0.1377313975412232 | 0.22978911901169355 | 0.09075799630055016 | 0.06735869619965282 | 0.03605001288344498 | 0.11939299581380025 | 0.002911300744151658 | 0.1751870132853747 | 0.11970053649747422 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.17784730380133437 | 0.22177934529594193 | 0.2206732653908328 | 0.04897253207137493 | 0.22747892982807513 | 0.09317906071826859 | 0.7778528686195879 | 0 | 0.24488108401502245 | 0.1792194762699724 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.052283162191560234 | 0.09736838566394844 | 0.01964793531388428 | 0.008994530962212493 | 0.04715217118483622 | 0.005959964021952934 | 0 | 0.019773708552817744 | 0.09070199144706324 | 0.03201650401540902 Bâtiments et Travaux Publics ( 600 ) | 0.05351174646546693 | 0.127827854825217 | 0.1470756947450907 | 0.11847883882238036 | 0.0253890095927402 | 0.0571468669572061 | 0 | 0 | 0.16806833463840007 | 0.07203907599344332 Électricité, Gaz et Eau ( 300 à 500 ) | 0.034797369434754664 | 0.006866160972488125 | 0.10746035623334206 | 0.0574368899383917 | 0.01726195974149364 | 0.017657362555433903 | 0 | 0.07797007924691 | 0 | 0.035642453814930794 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1.6724054339171238e-06 | 0.00012386754150813184 | 0.00381943792174154 | 0 | 0 | 0 | 0 | 0.001212447176248037 Total | 1 | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1 [Secteur d'activité juin 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 999.73 | 90224.1 | 0 | 0 | 0 | 0 | 91223.83 200 | Industrie alimentaire | 505062 | 6306.91 | 50390.73 | 283914.84 | 1131463.34 | 173287.39 | 39105.43 | 331324.17 | 159274 | 2680128.81 210 | Industrie des boissons | 4018 | 0 | 33733.24 | 624269.44 | 2239352.61 | 110234.18 | 0 | 327162.18 | 81344 | 3420113.6500000004 220 | Industrie du bois | 16775 | 338.31 | 0 | 1321.51 | 0 | 0 | 0 | 0 | 0 | 18434.82 230 | Industrie chimique | 0 | 33.85 | 24000 | 335672.67 | 95243.54 | 86306.82 | 0 | 244003.08 | 0 | 785259.9599999998 240 | Industrie du textile | 273965 | 0 | 81819.89 | 701075.74 | 261922.46 | 155960.09 | 0 | 0 | 9162 | 1483905.18 250 | Industrie pharmacie | 0 | 0 | 18649.25 | 367.14 | 7131.69 | 17902.29 | 0 | 0 | 0 | 44050.369999999995 260 | Imprimerie, édition | 139450 | 0 | 5521.3 | 151462.56 | 128933.01 | 53117.93 | 0 | 0 | 4501 | 482985.8 270 | Sidérurgie, aciérie | 406290 | 0 | 48140.6 | 459474.86 | 343513.14 | 217091.44 | 0 | 77738.9 | 48452 | 1600700.94 280 | Industrie de la fabrication | 66297 | 1892 | 136638.93 | 995032.06 | 593335.81 | 98813.54 | 0 | 127742.55 | 3531 | 2023282.8900000001 290 | Autres industries | 0 | 0 | 0 | 124890.94 | 119423.14 | 50928.25 | 0 | 0 | 4158 | 299400.33 300 | Production et distribution de l'électricité | 618860 | 0 | 401566.4 | 1041002.6 | 595 | 944.63 | 0 | 157526.1 | 0 | 2220494.73 400 | Production et distribution de gaz | 0 | 0 | 3315.22 | 9270.91 | 776725.59 | 99056.77 | 0 | 0 | 0 | 888368.49 500 | Traitement et distribution de l'eau | 0 | 11584.96 | 8410.4 | 250092.73 | 36546.2 | 5399.96 | 0 | 0 | 0 | 312034.25000000006 600 | Entrep/ batiment et corps/ métiers corresp. | 291886 | 173117.57 | 434090.96 | 3184840.55 | 653470.88 | 304101.12 | 0 | 0 | 605502 | 5647009.08 700 | Commerce de gros(1) | 1117704 | 133431.06 | 550747.29 | 3899693.21 | 3227625.4 | 594603.64 | 7206.9 | 7806.74 | 41170 | 9579988.240000002 800 | Commerce de détail(2) | 134319 | 388895.08 | 177489.11 | 3556164.74 | 3943767.52 | 628985.18 | 5771.59 | 467668.16 | 7982 | 9311042.379999999 900 | Rest/débits/boissons, casinos/activités/loterie | 81243 | 0 | 6704.88 | 7519.99 | 11421.66 | 19462.23 | 0 | 0 | 6986 | 133337.76 1000 | Hotels,motels et pensions | 170793 | 0 | 9324.79 | 1104221.18 | 254069.57 | 649680.27 | 326541.52 | 0 | 0 | 2514630.33 1100 | Transport | 113869 | 137234.9 | 51999.97 | 281598.02 | 619451.06 | 38321.74 | 0 | 0 | 0 | 1242474.6900000002 1200 | Immobilier résidentiel / Avance Hypothécaire | 1186795 | 261272.79 | 461060.56 | 141541.59 | 1178901.47 | 440630.64 | 1944576.23 | 0 | 805116 | 6419894.28 1300 | Immobilier commercial | 600978 | 43477.1 | 70487.46 | 747726.72 | 4213379.84 | 72260.04 | 790765.18 | 0 | 35339 | 6574413.339999999 1400 | Télécommunications | 466413 | 0 | 4372.71 | 116652.63 | 458693.64 | 2532.3 | 0 | 0 | 409653 | 1458317.28 1500 | Services financiers | 67693 | 46960.86 | 50164.24 | 1650902.94 | 1978318.2 | 997723.75 | 0 | 141074.61 | 693999 | 5626836.600000001 1510 | Services professionnels | 850875 | 24727.13 | 53531.35 | 107068.49 | 206375.74 | 127075.65 | 0 | 4.2 | 24253 | 1393910.5599999998 1520 | Services médicaux | 48635 | 1346.35 | 300.81 | 11686.07 | 42371.76 | 53253.44 | 0 | 0 | 1400 | 158993.43 1530 | Services d'agence ou de représentation | 1123 | 0 | 4415.57 | 128017.05 | 34318.42 | 150.52 | 0 | 0 | 573 | 168597.55999999997 1540 | Services d'enseignement | 27979 | 0 | 15613.09 | 156004.46 | 10610.58 | 22449.7 | 225.76 | 0 | 7760 | 240642.59 1550 | Autres services | 346660 | 20795.77 | 5871.66 | 696289.92 | 189743.15 | 426727.29 | 0 | 82259.37 | 15774 | 1784121.1600000001 1560 | Crédit à la consommation | 2587182 | 228423.05 | 818510.77 | 2712987.64 | 1647559.76 | 241108.5 | 481269.96 | 6813.92 | 590874 | 9314729.6 Total | 10124864 | 1479837.6900000002 | 3526871.1799999997 | 23481762.930000003 | 24494488.28 | 5688109.300000002 | 3595462.57 | 1971123.9799999995 | 3556803 | 77919322.92999999 (1) Commerce de gros Import-export | 862 | 39575.82 | 53775.63 | 990037.91 | 1241038.36 | 169677 | 0 | 0 | 0 | 2494966.72 Produits pétroliers | 408735 | 0 | 0 | 3298.36 | 0 | 22503 | 0 | 0 | 0 | 434536.36 Produits pharmaceutiques | 0 | 1304.26 | 584.27 | 154657.11 | 99073.43 | 17973 | 0 | 0 | 0 | 273592.06999999995 Produits alimentaires | 397729 | 20067.97 | 213918.04 | 1711533.74 | 789168.98 | 235536 | 0 | 7806.74 | 23874 | 3399634.47 Matériaux de construction | 0 | 0 | 0 | 235641.41 | 550069.98 | 143326 | 0 | 0 | 17296 | 946333.39 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 310377 | 72483.01 | 282469.35 | 804524.69 | 548274.66 | 5588 | 0 | 0 | 0 | 2023716.71 S-Total | 1117703 | 133431.06 | 550747.29 | 3899693.22 | 3227625.41 | 594603 | - | 7806.74 | 41170 | 9572779.719999999 (2) Commerce de détail Produits pétroliers | 27375 | 8108.34 | 927.47 | 125341.58 | 76531.82 | 36921 | 0 | 0 | 0 | 275205.21 Produits pharmaceutiques | 0 | 0 | 0 | 8719.42 | 2580.83 | 22665 | 0 | 0 | 325 | 34290.25 Véhicules automobiles | 18131 | 0 | 47848.13 | 1064241.7 | 1871480.74 | 101367 | 0 | 213874.43 | 0 | 3316943.0000000005 Produits alimentaires | 1464 | 0 | 69160.45 | 911551.46 | 619683.9 | 190172 | 0 | 0 | 4612 | 1796643.81 Librairie ,papeterie | 1636 | 0 | 0 | 45594.87 | 25038.92 | 12127 | 0 | 0 | 1151 | 85547.79000000001 Appareils électro- ménagers électroni.équip. inform. | 14653 | 0 | 6652.26 | 283776.17 | 196673.09 | 215442 | 0 | 0 | 0 | 717196.52 Matériaux de construction | 0 | 0 | 0 | 265926.63 | 240343.9 | 691 | 0 | 0 | 0 | 506961.53 Autres | 71058 | 380786.74 | 52900.79 | 851012.9 | 911434.32 | 49600 | 0 | 253793.73 | 1894 | 2572480.48 S-Total | 134317 | 388895.08 | 177489.09999999998 | 3556164.73 | 3943767.5199999996 | 628985 | - | 467668.16000000003 | 7982 | 9305268.59 [Secteur d'activité juin 15 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 4.2574742066012326e-05 | 0.003683444984383238 | 0 | 0 | 0 | 0 | 0.0011707472109575737 200 | Industrie alimentaire | 0.04988333670457203 | 0.0042618930728815264 | 0.014287658218353188 | 0.012090865615429327 | 0.04619256900026164 | 0.030464848838259836 | 0.010876327937965434 | 0.16808895501337265 | 0.044780101681200786 | 0.03439620249790587 210 | Industrie des boissons | 0.0003968448366318797 | 0 | 0.00956463626777545 | 0.02658528841556616 | 0.09142271454711116 | 0.019379757699100466 | 0 | 0.1659774744356771 | 0.02286997621178345 | 0.043893010377830305 220 | Industrie du bois | 0.0016568123779242862 | 0.0002286129095684811 | 0 | 5.6278142486127205e-05 | 0 | 0 | 0 | 0 | 0 | 0.00023658855476145756 230 | Industrie chimique | 0 | 2.2874130202752166e-05 | 0.0068048983858832075 | 0.014295037003850713 | 0.0038883661871706586 | 0.015173199994592225 | 0 | 0.12378880398989416 | 0 | 0.010077859130083177 240 | Industrie du textile | 0.027058635059196843 | 0 | 0.02319900155808923 | 0.029856179967830035 | 0.010693118264236707 | 0.02741861693832078 | 0 | 0 | 0.002575908758511506 | 0.019044123128907173 250 | Industrie pharmacie | 0 | 0 | 0.005287760467622183 | 1.563511228243202e-05 | 0.0002911548883355566 | 0.0031473182134527542 | 0 | 0 | 0 | 0.0005653330694309717 260 | Imprimerie, édition | 0.013773024506798313 | 0 | 0.0015654952274157064 | 0.006450220984323683 | 0.005263756014257098 | 0.009338415842325672 | 0 | 0 | 0.0012654622704715442 | 0.006198536920474753 270 | Sidérurgie, aciérie | 0.04012794640994684 | 0 | 0.01364966213481038 | 0.019567306823159377 | 0.014024099465694165 | 0.03816583482318104 | 0 | 0.03943886878186121 | 0.013622345685156023 | 0.020543055044741777 280 | Industrie de la fabrication | 0.006547939804426015 | 0.001278518592130195 | 0.03874225142524202 | 0.042374674464018186 | 0.02422323762054114 | 0.01737194817968775 | 0 | 0.06480695851511077 | 0.0009927454514630132 | 0.025966381815427826 290 | Autres industries | 0 | 0 | 0 | 0.005318635588490714 | 0.004875510712240933 | 0.008953458401370731 | 0 | 0 | 0.0011690273540592494 | 0.0038424400872806718 300 | Production et distribution de l'électricité | 0.06112279631607891 | 0 | 0.11385910613270543 | 0.04433238692951917 | 2.4291179027643684e-05 | 0.00016607100007730156 | 0 | 0.0799168908695434 | 0 | 0.02849735657989245 400 | Production et distribution de gaz | 0 | 0 | 0.0009399889677853218 | 0.00039481320153162785 | 0.031710219095869185 | 0.017414709312987352 | 0 | 0 | 0 | 0.01140113205036547 500 | Traitement et distribution de l'eau | 0 | 0.007828534222560583 | 0.002384663224359672 | 0.010650509109794508 | 0.001492017289042137 | 0.0009493418138079728 | 0 | 0 | 0 | 0.004004581126562416 600 | Entrep/ batiment et corps/ métiers corresp. | 0.028828634142641325 | 0.11698416060750554 | 0.12308103637627049 | 0.13563038514161507 | 0.02667828258055775 | 0.053462601360350075 | 0 | 0 | 0.1702377106631995 | 0.07247251217869381 700 | Commerce de gros(1) | 0.11039200131478309 | 0.09016601003046489 | 0.15615747269793961 | 0.16607327233586033 | 0.13176945617742866 | 0.10453449619893905 | 0.0020044430611330212 | 0.003960552496550725 | 0.011575001483073423 | 0.12294752931318885 800 | Commerce de détail(2) | 0.013266252267684782 | 0.2627957664735516 | 0.05032480658961862 | 0.15144368634506097 | 0.1610063241541619 | 0.11057895459217 | 0.0016052426878692275 | 0.23725963701177238 | 0.002244150153944427 | 0.11949593540956092 900 | Rest/débits/boissons, casinos/activités/loterie | 0.008024107780608214 | 0 | 0.0019010844620641915 | 0.00032024810157641766 | 0.000466295105635087 | 0.003421563998427385 | 0 | 0 | 0.0019641233995810283 | 0.0017112284217328994 1000 | Hotels,motels et pensions | 0.016868671026099707 | 0 | 0.002643927017487495 | 0.04702462857204222 | 0.01037252001738899 | 0.11421726196435779 | 0.09082044761767609 | 0 | 0 | 0.03227223024331277 1100 | Transport | 0.011246472051377679 | 0.09273645409044824 | 0.014743937996623966 | 0.011992200962059538 | 0.0252894060459221 | 0.0067371666012114055 | 0 | 0 | 0 | 0.01594565562532154 1200 | Immobilier résidentiel | 0.11721589544313879 | 0.17655503151835522 | 0.13072792752243365 | 0.006027724171389545 | 0.04812925489701228 | 0.07746522029736663 | 0.5408417393147831 | 0 | 0.22635945819883754 | 0.08239155627375523 1300 | Immobilier commercial | 0.05935664913622544 | 0.02937964095238039 | 0.019985833449125297 | 0.031842869814715395 | 0.17201338488219275 | 0.012703701034718157 | 0.21993419889780694 | 0 | 0.00993560790406441 | 0.08437462098979252 1400 | Télécommunications | 0.046066100245889724 | 0 | 0.0012398269675389733 | 0.004967796938745433 | 0.018726402232069818 | 0.00044519186718159574 | 0 | 0 | 0.1151744979972183 | 0.018715733468450457 1500 | Services financiers | 0.006685818199632113 | 0.03173379102136532 | 0.014223439825210741 | 0.07030574939885911 | 0.08076585137789209 | 0.17540516494646116 | 0 | 0.07157064265434994 | 0.19511876255165103 | 0.07221362286547273 1510 | Services professionnels | 0.08403816584598074 | 0.016709352766924052 | 0.015178141550381209 | 0.00455964444914869 | 0.0084253950374831 | 0.022340578089805687 | 0 | 2.13076399182156e-06 | 0.006818763929292682 | 0.01788915133736776 1520 | Services médicaux | 0.004803521311496134 | 0.000909795722259243 | 8.529089514406364e-05 | 0.0004976657857775245 | 0.001729848752733364 | 0.009362239224200559 | 0 | 0 | 0.00039361190372365297 | 0.0020404878279401137 1530 | Services d'agence ou de représentation | 0.00011091507006908933 | 0 | 0.0012519793819064297 | 0.005451764860314088 | 0.001401067032211542 | 2.6462220056144132e-05 | 0 | 0 | 0.0001610997291668951 | 0.0021637451874609095 1540 | Services d'enseignement | 0.0027633951428878453 | 0 | 0.004426895455818719 | 0.006643643429373468 | 0.0004331823501968664 | 0.003946777183061513 | 6.279025177002468e-05 | 0 | 0.0021817345520682477 | 0.0030883557627443057 1550 | Autres services | 0.034238484586064565 | 0.014052737094430943 | 0.0016648354023522914 | 0.029652369887033857 | 0.007746361051964789 | 0.07502093709767495 | 0 | 0.041732215139506354 | 0.004434881549526358 | 0.02289703109462068 1560 | Crédit à la consommation | 0.25552758041984563 | 0.15435682679497098 | 0.23207844240004255 | 0.11553594370608015 | 0.06726246905697758 | 0.042388162266853754 | 0.13385481023099624 | 0.003456870328369706 | 0.16612502857200695 | 0.11954325640596272 Total | 1 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1 | 0.9999999999999996 | 1 | 1.0000000000000002 | 1 | 1.0000000000000002 (1) Commerce de gros Import-export | 8.513694603700356e-05 | 0.02674335183340275 | 0.01524740407445219 | 0.0421619923917697 | 0.05066602518140052 | 0.02983012299007685 | 0 | 0 | 0 | 0.032019871659323726 Produits pétroliers | 0.040369431135075 | 0 | 0 | 0.00014046475172381785 | 0 | 0.00395614760778243 | 0 | 0 | 0 | 0.005576747123308199 Produits pharmaceutiques | 0 | 0.0008813534138328372 | 0.00016566241582999922 | 0.006586264858436673 | 0.00404472340338273 | 0.003159749409175382 | 0 | 0 | 0 | 0.0035112223735027258 Produits alimentaires | 0.039282404188342675 | 0.013560926401327162 | 0.06065377187947081 | 0.07288778722032689 | 0.0322182268508285 | 0.04140848699936197 | 0 | 0.003960552496550725 | 0.006712207563927494 | 0.043630184942111384 Matériaux de construction | 0 | 0 | 0 | 0.010035081722886637 | 0.022456888003214083 | 0.02519747642683307 | 0 | 0 | 0.004862793919145929 | 0.012145041235152325 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.030654930278569668 | 0.04898037838190213 | 0.08009063432818661 | 0.034261681816579 | 0.022383593146857936 | 0.0009824002502905487 | 0 | 0 | 0 | 0.02597194936893942 S-Total | 0.11039190254802433 | 0.09016601003046489 | 0.15615747269793961 | 0.16607327276172273 | 0.1317694565856838 | 0.10453438368352025 | - | 0.003960552496550725 | 0.011575001483073423 | 0.12285501670233777 (2) Commerce de détail Produits pétroliers | 0.0027037400206066965 | 0.00547920900703644 | 0.0002629724627481291 | 0.005337826651842447 | 0.0031244506570275656 | 0.006490909026660227 | - | 0 | 0 | 0.0035319250687949996 Produits pharmaceutiques | 0 | 0 | 0 | 0.0003713273158405061 | 0.00010536370347884645 | 0.003984628073163079 | - | 0 | 9.1374191935848e-05 | 0.00044007376746336936 Véhicules automobiles | 0.0017907401027806398 | 0 | 0.01356673594185541 | 0.04532205282765794 | 0.07640415748256651 | 0.017820860087903016 | - | 0.1085037938608002 | 0 | 0.04256894022269452 Produits alimentaires | 0.00014459453480066497 | 0 | 0.019609576440498176 | 0.03881954956778025 | 0.025298911857896546 | 0.03343325347141272 | - | 0 | 0.0012966700714096338 | 0.02305774411841389 Librairie ,papeterie | 0.00016158241730456825 | 0 | 0 | 0.0019417140925883623 | 0.0010222267031577276 | 0.002131991380686021 | - | 0 | 0.00032360521513280326 | 0.0010979021221328266 Appareils électro- ménagers électroni.équip. inform. | 0.0014472293158703168 | 0 | 0.0018861647223531426 | 0.012084960181479865 | 0.00802927939346198 | 0.03787585446011031 | - | 0 | 0 | 0.009204347433104679 Matériaux de construction | 0 | 0 | 0 | 0.011324815380886736 | 0.009812162526222001 | 0.00012148149122239964 | - | 0 | 0 | 0.006506236334412667 Autres | 0.007018168342804407 | 0.2573165574665151 | 0.014999354186789438 | 0.03624143990112245 | 0.03720977183035072 | 0.008719944956050683 | - | 0.12875584315097222 | 0.0005325006754661419 | 0.03301466675103205 S-Total | 0.013266054734167292 | 0.2627957664735515 | 0.05032480375424429 | 0.15144368591919855 | 0.1610063241541619 | 0.11057892294720845 | - | 0.2372596370117724 | 0.002244150153944427 | 0.119421835818049 [Secteur d'activité juin 15 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2015 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1252023 | 522326.14 | 728236.4 | 7455857.95 | 7171392.92 | 1223588.82 | 12978.49 | 475474.89999999997 | 49152 | 18891030.619999997 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1595001 | 93830.11000000002 | 145926.39 | 3861710.1000000006 | 2727229.0799999996 | 2296522.8499999996 | 326767.28 | 223338.18 | 750745 | 12021069.989999998 Industries Manufacturières ( 200 à 290 ) | 1411857 | 8571.07 | 398893.93999999994 | 3677481.76 | 4920318.739999999 | 963641.9300000002 | 39105.43 | 1107970.88 | 310422 | 12838262.749999996 Prêts aux Particuliers ( 1560 ) | 2587182 | 228423.05 | 818510.77 | 2712987.64 | 1647559.76 | 241108.5 | 481269.96 | 6813.92 | 590874 | 9314729.6 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1787773 | 304749.89 | 531548.02 | 889268.3099999999 | 5392281.31 | 512890.68 | 2735341.41 | 0 | 840455 | 12994307.62 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 580282 | 137234.9 | 56372.68 | 398250.65 | 1078144.7000000002 | 40854.04 | 0 | 0 | 409653 | 2700791.97 Bâtiments et Travaux Publics ( 600 ) | 291886 | 173117.57 | 434090.96 | 3184840.55 | 653470.88 | 304101.12 | 0 | 0 | 605502 | 5647009.08 Électricité, Gaz et Eau ( 300 à 500 ) | 618860 | 11584.96 | 413292.02 | 1300366.24 | 813866.7899999999 | 105401.36000000002 | 0 | 157526.1 | 0 | 3420897.4699999997 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 999.73 | 90224.1 | 0 | 0 | 0 | 0 | 91223.83 Total | 10124864 | 1479837.6899999997 | 3526871.18 | 23481762.929999996 | 24494488.279999997 | 5688109.3 | 3595462.5700000003 | 1971123.98 | 3556803 | 77919322.92999999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.12365825358246788 | 0.35296177650401656 | 0.20648227928755822 | 0.3175169586809214 | 0.29277578033159063 | 0.2151134507911091 | 0.0036096857490022483 | 0.24122018950832305 | 0.01381915163701785 | 0.24244346472274972 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1575330789628384 | 0.06340567660497959 | 0.04137559399036514 | 0.16445571448412546 | 0.11134052072550583 | 0.40374098472404524 | 0.0908832378694461 | 0.1133049885578481 | 0.21107297761500987 | 0.15427585274065214 Industries Manufacturières ( 200 à 290 ) | 0.13944453969949622 | 0.005791898704782956 | 0.11310136368519134 | 0.1566101221174368 | 0.20087452669984907 | 0.16941339893029134 | 0.010876327937965433 | 0.5621010607359157 | 0.08727556741264557 | 0.16476353062684393 Prêts aux Particuliers ( 1560 ) | 0.25552758041984563 | 0.15435682679497104 | 0.23207844240004252 | 0.11553594370608018 | 0.0672624690569776 | 0.04238816226685377 | 0.1338548102309962 | 0.003456870328369705 | 0.16612502857200695 | 0.11954325640596272 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.17657254457936422 | 0.20593467247073569 | 0.15071376097155892 | 0.03787059398610495 | 0.22014263977920506 | 0.09016892133208482 | 0.7607759382125899 | 0 | 0.23629506610290196 | 0.16676617726354775 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.0573125722972674 | 0.09273645409044827 | 0.015983764964162938 | 0.016959997900804977 | 0.04401580827799193 | 0.007182358468393004 | 0 | 0 | 0.1151744979972183 | 0.034661389093772 Bâtiments et Travaux Publics ( 600 ) | 0.028828634142641325 | 0.11698416060750558 | 0.12308103637627048 | 0.1356303851416151 | 0.026678282580557756 | 0.05346260136035009 | 0 | 0 | 0.1702377106631995 | 0.07247251217869381 Électricité, Gaz et Eau ( 300 à 500 ) | 0.06112279631607891 | 0.007828534222560584 | 0.11718375832485041 | 0.05537770924084533 | 0.03322652756393897 | 0.018530122126872637 | 0 | 0.07991689086954339 | 0 | 0.04390306975682033 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 4.257474206601234e-05 | 0.0036834449843832382 | 0 | 0 | 0 | 0 | 0.0011707472109575737 Total | 0.9999999999999999 | 1.0000000000000004 | 0.9999999999999999 | 1 | 1 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 [Sheet2] [Sheet3] [Secteur d'activité mars 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 1385.65 | 91482.44 | 0 | 0 | 0 | 0 | 92868.09 200 | Industrie alimentaire | 319338 | 6316 | 19234.64 | 370588.11 | 1146703.81 | 178893.7 | 20656.68 | 235801.73 | 161652 | 2459184.67 210 | Industrie des boissons | 4006 | 0 | 8648.47 | 560531.55 | 2190603.46 | 110472.89 | 0 | 288559.71 | 84398 | 3247220.08 220 | Industrie du bois | 17934 | 413.77 | 4011.62 | 3031.37 | 0 | 0 | 0 | 0 | 0 | 25390.76 230 | Industrie chimique | 0 | 178.03 | 24000 | 377744.2 | 105220.37 | 80902.95 | 0 | 0 | 0 | 588045.5499999999 240 | Industrie du textile | 281522 | 0 | 81768.11 | 595494.26 | 261827.29 | 97941.45 | 0 | 0 | 9496 | 1328049.1099999999 250 | Industrie pharmacie | 0 | 0 | 6817.5 | 456.51 | 10411.13 | 0 | 0 | 0 | 0 | 17685.14 260 | Imprimerie, édition | 106001 | 0 | 3231.37 | 123115.34 | 87867.99 | 38879.22 | 0 | 27300.61 | 4538 | 390933.53 270 | Sidérurgie, aciérie | 430323 | 0 | 23415.37 | 510010.55 | 355329.57 | 65182.37 | 0 | 75017.95 | 45290 | 1504568.81 280 | Industrie de la fabrication | 67557 | 0 | 53819.97 | 905169.44 | 587458.34 | 50240.89 | 0 | 59372.42 | 3858 | 1727476.0599999998 290 | Autres industries | 0 | 0 | 60425.92 | 118808.2 | 112231.77 | 45284.95 | 0 | 0 | 4566 | 341316.84 300 | Production et distribution de l'électricité | 1001049 | 0 | 206773.778 | 949775.95 | 96464.65 | 913.21 | 0 | 70457.76 | 0 | 2325434.3479999998 400 | Production et distribution de gaz | 0 | 0 | 3773.37 | 9708.27 | 2110385.65 | 91183.62 | 0 | 0 | 0 | 2215050.91 500 | Traitement et distribution de l'eau | 0 | 12606.49 | 9355.36 | 281780.53 | 36766.04 | 6649.18 | 0 | 0 | 0 | 347157.6 600 | Entrep/ batiment et corps/ métiers corresp. | 7 | 168612.78 | 54147 | 2525627.55 | 624475.45 | 256624.8 | 0 | 25895.96 | 374694 | 4030084.539999999 700 | Commerce de gros(1) | 1234979 | 136224.43 | 598872.18 | 3710670.53 | 3413581.94 | 553654.92 | 2747.06 | 349280.54 | 22233 | 10022243.6 800 | Commerce de détail(2) | 111021 | 369242.69 | 101269.63 | 3402006.65 | 3897490.33 | 602831.78 | 6911.42 | 605022.84 | 8425 | 9104221.34 900 | Rest/débits/boissons, casinos/activités/loterie | 75882 | 0 | 4266.89 | 8898.28 | 14897.37 | 16677.68 | 0 | 0 | 4853 | 125475.22 1000 | Hotels,motels et pensions | 160270 | 0 | 14158.2 | 1021537.02 | 260083.15 | 583488.74 | 272075.55 | 0 | 0 | 2311612.6599999997 1100 | Transport | 78737 | 132582.28 | 31409.78 | 303154.33 | 573982.55 | 25427.17 | 0 | 0 | 0 | 1145293.1099999999 1200 | Immobilier résidentiel / Avance Hypothécaire | 1120118 | 255038.86 | 496676.14 | 182200.85 | 1080798.3 | 514921.09 | 2040336.57 | 0 | 800490 | 6490579.8100000005 1300 | Immobilier commercial | 552151 | 43193.24 | 43496.39 | 702698.91 | 4087284.2 | 31063.11 | 702910.92 | 0 | 36002 | 6198799.7700000005 1400 | Télécommunications | 478180 | 0 | 4463.88 | 114526.4 | 551347.66 | 3599.15 | 0 | 65031.99 | 392649 | 1609798.0799999998 1500 | Services financiers | 6729 | 0 | 22207.41 | 1546273.74 | 1562647.58 | 903782.73 | 0 | 616927.48 | 816716 | 5475283.9399999995 1510 | Services professionnels | 1088964 | 24147.3 | 71650.52 | 95014.5 | 202041.89 | 139031.79 | 0 | 0 | 23280 | 1644130 1520 | Services médicaux | 78638 | 1321.01 | 1.58 | 8920.73 | 39845.17 | 47813.55 | 0 | 0 | 811 | 177351.03999999998 1530 | Services d'agence ou de représentation | 2725 | 0 | 4410.14 | 121612.09 | 39369.74 | 70671.91 | 0 | 0 | 652 | 239440.88 1540 | Services d'enseignement | 23799 | 0 | 6080.59 | 150559.75 | 9509.3 | 20023.85 | 0 | 0 | 6970 | 216942.49 1550 | Autres services | 331011 | 17853.78 | 6724.48 | 873745.6 | 143929.91 | 727226.08 | 0 | 63395.55 | 25851 | 2189737.3999999994 1560 | Crédit à la consommation | 2571722 | 226230.75 | 773839.87 | 2601887.36 | 1474810.86 | 208959.42 | 433795.63 | 8338.46 | 576174 | 8875758.350000001 Total | 10142663 | 1393961.4100000001 | 2738950.1579999994 | 22176934.22 | 25168847.91 | 5472342.199999999 | 3479433.83 | 2490403 | 3403598 | 76467133.72800002 (1) Commerce de gros Import-export | 1667 | 42119.51 | 11716.37 | 949820.08 | 1314248.5 | 134811 | 0 | 0 | 0 | 2454382.46 Produits pétroliers | 432843 | 0 | 822.63 | 3673.51 | 75.38 | 12216 | 0 | 0 | 0 | 449630.52 Produits pharmaceutiques | 0 | 1606.28 | 342.9 | 137933.81 | 98364.88 | 22492 | 0 | 0 | 0 | 260739.87 Produits alimentaires | 478536 | 15926.13 | 394424.64 | 1607367.93 | 793088.16 | 204605 | 0 | 50958.97 | 22233 | 3567139.8300000005 Matériaux de construction | 0 | 0 | 61973.97 | 360472.13 | 644898.19 | 173006 | 0 | 0 | 0 | 1240350.29 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 321932 | 76572.51 | 129591.66 | 651403.07 | 562906.84 | 6525 | 0 | 298321.57 | 0 | 2047252.6500000001 S-Total | 1234978 | 136224.43 | 598872.17 | 3710670.53 | 3413581.9499999997 | 553655 | - | 349280.54000000004 | 22233 | 10019495.620000001 (2) Commerce de détail Produits pétroliers | 21930 | 8210.13 | 0 | 120302 | 90715.74 | 43825 | 0 | 0 | 0 | 284982.87 Produits pharmaceutiques | 0 | 0 | 0 | 10161.83 | 2733.92 | 19189 | 0 | 0 | 238 | 32322.75 Véhicules automobiles | 1930 | 0 | 55580.92 | 1037859.85 | 1929683.47 | 111176 | 0 | 429597.28 | 0 | 3565827.5200000005 Produits alimentaires | 1270 | 0 | 6491.92 | 785989.47 | 576452.69 | 167618 | 0 | 0 | 4899 | 1542721.08 Librairie ,papeterie | 1780 | 0 | 0 | 49693.97 | 24603.78 | 10703 | 0 | 0 | 1274 | 88054.75 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 6139.54 | 277967.05 | 215046.15 | 195758 | 0 | 0 | 0 | 694910.74 Matériaux de construction | 14081 | 0 | 0 | 243734.81 | 244804.65 | 543 | 0 | 27923.56 | 0 | 531087.02 Autres | 70031 | 361032.57 | 33057.25 | 876297.68 | 813449.93 | 54019 | 0 | 147502 | 2015 | 2357404.43 S-Total | 111022 | 369242.7 | 101269.62999999999 | 3402006.66 | 3897490.3299999996 | 602831 | - | 605022.8400000001 | 8426 | 9097311.16 [Secteur d'activité mars 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 6.248158497716824e-05 | 0.003634748810399562 | 0 | 0 | 0 | 0 | 0.0012144837327150192 200 | Industrie alimentaire | 0.03148463081145455 | 0.004530971915499439 | 0.0070226323556195226 | 0.01671052032366988 | 0.04556044099040368 | 0.03269051778231267 | 0.0059367934581471835 | 0.09468416557480858 | 0.04749444558376165 | 0.03216002156884192 210 | Industrie des boissons | 0.00039496530644861214 | 0 | 0.0031575857540668694 | 0.025275430067988904 | 0.08703630248922267 | 0.020187496681037236 | - | 0.1158686806914383 | 0.024796700432894836 | 0.042465565553308604 220 | Industrie du bois | 0.0017681746894282102 | 0.000296830311823338 | 0.0014646560793677651 | 0.00013669021921281597 | 0 | 0 | - | 0 | 0 | 0.00033204801542996307 230 | Industrie chimique | 0 | 0.00012771515676319905 | 0.008762481467543378 | 0.017033201986022758 | 0.004180579515449104 | 0.014783971294777582 | - | 0 | 0 | 0.007690173821497313 240 | Industrie du textile | 0.02775622141837898 | 0 | 0.02985381452129368 | 0.026851964933140342 | 0.010402831744077237 | 0.017897537547999103 | - | 0 | 0.0027899887119454177 | 0.017367580622597696 250 | Industrie pharmacie | 0 | 0 | 0.0024890923918740406 | 2.0584901207322965e-05 | 0.00041365143280410084 | 0 | - | 0 | 0 | 0.0002312776631972047 260 | Imprimerie, édition | 0.010451002857927943 | 0 | 0.0011797841558239851 | 0.005551504043736123 | 0.003491140727386596 | 0.007104676312091741 | - | 0.010962326177731074 | 0.0013332949425872269 | 0.00511243865097106 270 | Sidérurgie, aciérie | 0.0424270233566865 | 0 | 0.008549031070027965 | 0.022997342416250358 | 0.014117832141963943 | 0.011911237933914296 | - | 0.030122815464003215 | 0.013306506820135632 | 0.019676019443227426 280 | Industrie de la fabrication | 0.006660676786757087 | 0 | 0.01964985373786419 | 0.0408158057836364 | 0.02334069251404205 | 0.009180875055657156 | - | 0.02384048686096186 | 0.0011335063659104277 | 0.022591092091208447 290 | Autres industries | 0 | 0 | 0.02206170850663578 | 0.005357286937021902 | 0.004459154046356189 | 0.008275240901418774 | - | 0 | 0.0013415215310386243 | 0.0044635757005629705 300 | Production et distribution de l'électricité | 0.09869686097231073 | 0 | 0.07549380823745536 | 0.04282719787045479 | 0.00383270026283853 | 0.0001668773564635633 | - | 0.028291710217181715 | 0 | 0.030410899881140624 400 | Production et distribution de gaz | 0 | 0 | 0.0013776701956326731 | 0.0004377642961687966 | 0.08384911607978325 | 0.016662631222148352 | - | 0 | 0 | 0.02896735894245914 500 | Traitement et distribution de l'eau | 0 | 0.009043643467863289 | 0.0034156736925915255 | 0.01270601820813806 | 0.0014607756434251503 | 0.001215051938820639 | - | 0 | 0 | 0.004539958320327117 600 | Entrep/ batiment et corps/ métiers corresp. | 6.901540552022679e-07 | 0.12095943172487104 | 0.019769253500961304 | 0.11388533351568014 | 0.024811443584268532 | 0.04689487437390155 | - | 0.010398300997870626 | 0.11008761904314199 | 0.05270348636755951 700 | Commerce de gros(1) | 0.12176082356280594 | 0.09772467804542737 | 0.21865026577822091 | 0.1673211677136859 | 0.13562726240813458 | 0.10117330016386769 | 0.0007895135054199321 | 0.14025061004182857 | 0.006532205037140109 | 0.13106602943494597 800 | Commerce de détail(2) | 0.010945941908944426 | 0.2648873113352542 | 0.036973885670832284 | 0.15340292829709265 | 0.15485374395907342 | 0.11015973745209137 | 0.0019863633963690007 | 0.242941740754408 | 0.0024753217036794593 | 0.11906058061996251 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007481467145265499 | 0 | 0.0015578560228769235 | 0.00040124031174584965 | 0.0005918971759561958 | 0.003047631049096309 | - | 0 | 0.00142584406266545 | 0.001640903926729173 1000 | Hotels,motels et pensions | 0.01580157006103821 | 0 | 0.005169206879740527 | 0.04606304053870256 | 0.010333534174071776 | 0.10662504621878363 | 0.07819535110975225 | 0 | 0 | 0.030230146564962132 1100 | Transport | 0.007762951406351567 | 0.09511187257328736 | 0.011467817297900609 | 0.013669803363830333 | 0.02280527706522265 | 0.0046464875679740935 | - | 0 | 0 | 0.014977586502377651 1200 | Immobilier résidentiel | 0.11043628285786485 | 0.18295977074429912 | 0.1813381446717075 | 0.008215781685264881 | 0.042941905957109026 | 0.09409519200023714 | 0.5863990148075326 | 0 | 0.23518934962354543 | 0.08488064732604644 1300 | Immobilier commercial | 0.054438464533426774 | 0.030985965386229733 | 0.015880679636668296 | 0.03168602580632086 | 0.16239456865945995 | 0.005676382957191531 | 0.20201876349520922 | 0 | 0.010577629908114883 | 0.0810648898133105 1400 | Télécommunications | 0.0471454094452315 | 0 | 0.0016297777405557305 | 0.005164212458939241 | 0.021905955408508804 | 0.0006576982704042157 | - | 0.02611303873308858 | 0.11536291888760071 | 0.021052156678530495 1500 | Services financiers | 0.0006634352339222944 | 0 | 0.008108000773630728 | 0.06972441387347002 | 0.06208657565844062 | 0.16515464438609123 | - | 0.24772194701018269 | 0.23995665763113036 | 0.07160310152955442 1510 | Services professionnels | 0.10736470293846892 | 0.017322789445082268 | 0.026159848068326923 | 0.00428438390344831 | 0.008027458814264019 | 0.02540626753933627 | 0 | 0 | 0.0068398206838762975 | 0.02150113283764902 1520 | Services médicaux | 0.007753190656142278 | 0.0009476661193942232 | 5.76863363279939e-07 | 0.0004022526247994616 | 0.0015831145764987062 | 0.0087373099584306 | - | 0 | 0.00023827725836012361 | 0.002319310680989462 1530 | Services d'agence ou de représentation | 0.0002686671143465971 | 0 | 0.001610157084136323 | 0.005483719651850056 | 0.0015642249554202975 | 0.012914380610189182 | - | 0 | 0.00019156198822540147 | 0.0031312914232108037 1540 | Services d'enseignement | 0.002346425194251253 | 0 | 0.0022200440494470662 | 0.006789024511071486 | 0.00037782023372717814 | 0.0036591004853461103 | - | 0 | 0.0020478329109371906 | 0.0028370684165001207 1550 | Autres services | 0.032635511995222556 | 0.012807944231397337 | 0.00245513047411942 | 0.03939884527465582 | 0.005718573631763823 | 0.13289119236731944 | - | 0.02545594026348346 | 0.007595197787752843 | 0.02863632116497368 1560 | Crédit à la consommation | 0.25355490959326954 | 0.1622934095428079 | 0.2825315633217157 | 0.11732403289781684 | 0.058596677339928356 | 0.03818464057309867 | 0.12467420022756978 | 0.0033482372130133153 | 0.16928379908555594 | 0.1160728527052134 Total | 1 | 0.9999999999999999 | 1.0000000000000004 | 1 | 1.0000000000000002 | 1.0000000000000004 | 1 | 1 | 1.0000000000000002 | 0.9999999999999997 (1) Commerce de gros Import-export | 0.00016435525857459723 | 0.030215692986795092 | 0.00427768645799505 | 0.042829187775802496 | 0.05221726893100368 | 0.024634972571707964 | - | 0 | 0 | 0.03209722060108129 Produits pétroliers | 0.04267547881655932 | 0 | 0.0003003450054018837 | 0.0001656455289788022 | 2.994972208086262e-06 | 0.0022323165389766747 | - | 0 | 0 | 0.005880049350344075 Produits pharmaceutiques | 0 | 0.0011523131045643507 | 0.000125193953967526 | 0.006219696944206384 | 0.003908199546985145 | 0.004110123084042515 | - | 0 | 0 | 0.003409829259816034 Produits alimentaires | 0.047180508708610354 | 0.011425086724603085 | 0.1440057749309362 | 0.07247926670361923 | 0.031510705727809375 | 0.03738892644542588 | - | 0.020462138055567715 | 0.006532205037140109 | 0.04664932051315818 Matériaux de construction | 0 | 0 | 0.022626906816462053 | 0.01625437161079337 | 0.02562287285878394 | 0.03161461649821534 | - | 0 | 0 | 0.016220698089875182 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.031740382185625214 | 0.05493158522946484 | 0.04731435496242427 | 0.029372999150285614 | 0.022365220768660918 | 0.0011923596444681404 | - | 0.11978847198626086 | 0 | 0.026772974874175993 S-Total | 0.12176072496936949 | 0.09772467804542737 | 0.21865026212718697 | 0.16732116771368588 | 0.13562726280545115 | 0.10117331478283652 | - | 0.14025061004182857 | 0.006532205037140109 | 0.13103009268845076 (2) Commerce de détail Produits pétroliers | 0.002162154061512248 | 0.0058897828455667205 | 0 | 0.005424645210495647 | 0.0036042865499599265 | 0.008008453857289847 | - | 0 | 0 | 0.003726867427955491 Produits pharmaceutiques | 0 | 0 | 0 | 0.0004582161762844423 | 0.00010862316820285478 | 0.003506542408842781 | - | 0 | 6.992600183687968e-05 | 0.0004227012106269698 Véhicules automobiles | 0.000190285332362911 | 0 | 0.02029278256037546 | 0.04679906788306287 | 0.07666951927637915 | 0.020315980970634476 | - | 0.17250110925822046 | 0 | 0.04663215876096451 Produits alimentaires | 0.0001252136643009829 | 0 | 0.002370222028698925 | 0.03544175503263047 | 0.022903419817279985 | 0.03063002894811659 | - | 0 | 0.0014393591722641746 | 0.02017495628236293 Librairie ,papeterie | 0.00017549631689429097 | 0 | 0 | 0.0022407953014165548 | 0.0009775489163421148 | 0.001955835291148277 | - | 0 | 0.0003743097745385912 | 0.0011515372122252955 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.0022415668945517195 | 0.012534061166548385 | 0.008544139595462318 | 0.03577225123092632 | - | 0 | 0 | 0.009087704823249367 Matériaux de construction | 0.0013882941787575905 | 0 | 0 | 0.010990464578291021 | 0.009726494072171459 | 0 | - | 0.011212466416078041 | 0 | 0.006945297856842927 Autres | 0.00690459694855286 | 0.25899753566348727 | 0.01206931418720618 | 0.0395139233992822 | 0.03231971256327561 | 0.009871275959314096 | - | 0.05922816508010952 | 0.0005920205617702208 | 0.03082898907111498 S-Total | 0.010946040502380884 | 0.264887318509054 | 0.036973885670832284 | 0.1534029287480116 | 0.15485374395907342 | 0.11006036866627238 | - | 0.24294174075440803 | 0.0024756155104098663 | 0.11897021264534248 [Secteur d'activité mars 15 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2015 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1346000 | 505467.12 | 700141.81 | 7112677.18 | 7311072.27 | 1156486.7000000002 | 9658.48 | 954303.3799999999 | 30658 | 19126464.939999998 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1768018 | 43322.09 | 129499.81 | 3826561.71 | 2272324.1100000003 | 2508716.33 | 272075.55 | 680323.03 | 879133 | 12379973.63 Industries Manufacturières ( 200 à 290 ) | 1226681 | 6907.8 | 285372.97 | 3564949.5300000003 | 4857653.7299999995 | 667798.42 | 20656.68 | 686052.42 | 313798 | 11629870.55 Prêts aux Particuliers ( 1560 ) | 2571722 | 226230.75 | 773839.87 | 2601887.36 | 1474810.86 | 208959.42 | 433795.63 | 8338.46 | 576174 | 8875758.350000001 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1672269 | 298232.1 | 540172.53 | 884899.76 | 5168082.5 | 545984.2000000001 | 2743247.49 | 0 | 836492 | 12689379.58 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 556917 | 132582.28 | 35873.659999999996 | 417680.73 | 1125330.21 | 29026.32 | 0 | 65031.99 | 392649 | 2755091.19 Bâtiments et Travaux Publics ( 600 ) | 7 | 168612.78 | 54147 | 2525627.55 | 624475.45 | 256624.8 | 0 | 25895.96 | 374694 | 4030084.539999999 Électricité, Gaz et Eau ( 300 à 500 ) | 1001049 | 12606.49 | 219902.50799999997 | 1241264.75 | 2243616.34 | 98746.01000000001 | 0 | 70457.76 | 0 | 4887642.857999999 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 1385.65 | 91482.44 | 0 | 0 | 0 | 0 | 92868.09 Total | 10142663 | 1393961.41 | 2738950.1580000003 | 22176934.220000003 | 25168847.91 | 5472342.2 | 3479433.83 | 2490403 | 3403598 | 76467133.728 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.13270676547175037 | 0.3626119893806817 | 0.25562415144905315 | 0.3207240960107785 | 0.290481006367208 | 0.21133303761595906 | 0.0027758769017889326 | 0.38319235079623654 | 0.009007526740819567 | 0.2501266100549085 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.17431497033865762 | 0.03107839979587383 | 0.04728082021564117 | 0.17254692068974353 | 0.09028319922014262 | 0.4584355726145927 | 0.07819535110975225 | 0.27317788727366615 | 0.2582951923229477 | 0.16189927654456887 Industries Manufacturières ( 200 à 290 ) | 0.12094269522708188 | 0.004955517384085977 | 0.10419064004011713 | 0.1607503316118868 | 0.19300262560170556 | 0.12203155350920855 | 0.0059367934581471835 | 0.27547847476894305 | 0.09219596438827382 | 0.15208979313084264 Prêts aux Particuliers ( 1560 ) | 0.25355490959326954 | 0.16229340954280794 | 0.2825315633217156 | 0.11732403289781682 | 0.058596677339928356 | 0.038184640573098665 | 0.12467420022756978 | 0.0033482372130133153 | 0.16928379908555594 | 0.11607285270521342 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.16487474739129163 | 0.2139457361305289 | 0.19721882430837573 | 0.03990180749158573 | 0.20533647461656898 | 0.09977157495742865 | 0.788417778302742 | 0 | 0.24576697953166032 | 0.16594553713935697 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05490836085158306 | 0.09511187257328738 | 0.013097595038456334 | 0.01883401582276957 | 0.04471123247373145 | 0.005304185838378309 | 0 | 0.02611303873308858 | 0.11536291888760071 | 0.03602974318090815 Bâtiments et Travaux Publics ( 600 ) | 6.901540552022679e-07 | 0.12095943172487107 | 0.019769253500961297 | 0.11388533351568013 | 0.024811443584268532 | 0.04689487437390154 | 0 | 0.010398300997870626 | 0.11008761904314199 | 0.052703486367559525 Électricité, Gaz et Eau ( 300 à 500 ) | 0.09869686097231073 | 0.009043643467863289 | 0.08028715212567952 | 0.05597098037476164 | 0.08914259198604692 | 0.018044560517432556 | 0 | 0.028291710217181715 | 0 | 0.06391821714392688 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 6.248158497716823e-05 | 0.003634748810399562 | 0 | 0 | 0 | 0 | 0.0012144837327150194 Total | 1 | 1 | 0.9999999999999998 | 0.9999999999999998 | 1 | 1 | 1 | 1 | 1 | 0.9999999999999999 [Secteur d'activité déc. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 1617.89 | 93254.85 | 0 | 0 | 0 | 0 | 94872.74 200 | Industrie alimentaire | 361302 | 6805.65 | 3434.57 | 348108.23 | 1240812.27 | 215906.73 | 19524.08 | 424133.56 | 154234 | 2774261.0900000003 210 | Industrie des boissons | 3959 | 0 | 8723.47 | 585966.51 | 2123451.62 | 110009.96 | 0 | 399721.34 | 67479 | 3299310.9 220 | Industrie du bois | 6185 | 462.93 | 4893.82 | 3267.9 | 0 | 0 | 0 | 0 | 0 | 14809.65 230 | Industrie chimique | 0 | 319.05 | 0 | 412519.63 | 94192.48 | 82027.17 | 0 | 0 | 0 | 589058.33 240 | Industrie du textile | 288169 | 0 | 56580.33 | 606136.54 | 261276.66 | 103722.21 | 0 | 0 | 8208 | 1324092.74 250 | Industrie pharmacie | 0 | 0 | 18951.48 | 6217.83 | 15185.97 | 0 | 0 | 0 | 0 | 40355.28 260 | Imprimerie, édition | 73656 | 0 | 3256.77 | 89512.64 | 46580.78 | 39351.98 | 0 | 0 | 758 | 253116.17 270 | Sidérurgie, aciérie | 430734 | 0 | 21595.87 | 549247.35 | 380444.33 | 64975 | 0 | 141465.05 | 49937 | 1638398.6 280 | Industrie de la fabrication | 69091 | 0 | 41650.38 | 912042.77 | 539768.09 | 67149.47 | 0 | 0 | 10062 | 1639763.71 290 | Autres industries | 0 | 0 | 84348.03 | 117121.55 | 110518.65 | 45046.75 | 0 | 2407.55 | 4253 | 363695.52999999997 300 | Production et distribution de l'électricité | 1396964 | 0 | 279025.85 | 923195.54 | 95723.14 | 1477.81 | 0 | 70606.48 | 0 | 2766992.8200000003 400 | Production et distribution de gaz | 0 | 0 | 4222.21 | 10376.78 | 2332312.9 | 91429.23 | 0 | 0 | 0 | 2438341.12 500 | Traitement et distribution de l'eau | 0 | 15859.26 | 9527.96 | 273579.09 | 55755.55 | 6596.89 | 0 | 0 | 0 | 361318.75000000006 600 | Entrep/ batiment et corps/ métiers corresp. | 5 | 177972.31 | 1494.79 | 2648405.7 | 665520.36 | 224859.57 | 0 | 22486.61 | 387055 | 4127799.34 700 | Commerce de gros(1) | 1167311 | 137136.91 | 538243.57 | 3957202.88 | 3567388.11 | 419866.63 | 6919.18 | 256414.7 | 27136 | 10077618.979999999 800 | Commerce de détail(2) | 102587 | 413710.91 | 55162.94 | 3523047.76 | 3927742.48 | 678381.51 | 6281.62 | 405054.5 | 9830 | 9121798.719999999 900 | Rest/débits/boissons, casinos/activités/loterie | 75582 | 311.79 | 4821.08 | 9221.69 | 16121.79 | 14801.33 | 0 | 0 | 2536 | 123395.68000000001 1000 | Hotels,motels et pensions | 161911 | 0 | 15018.09 | 1013229.95 | 263461.96 | 571185.9 | 22446.78 | 0 | 0 | 2047253.68 1100 | Transport | 83039 | 56150.11 | 39362.89 | 264862.11 | 466496.06 | 23437.93 | 0 | 0 | 0 | 933348.1 1200 | Immobilier résidentiel / Avance Hypothécaire | 1087188 | 233824.75 | 151906.04 | 170596.38 | 1024905.96 | 622328.97 | 1954469.31 | 0 | 805756 | 6050975.41 1300 | Immobilier commercial | 549526 | 44395.6 | 85851.47 | 677665.91 | 4142670.34 | 12872.05 | 1007189.17 | 0 | 28081 | 6548251.54 1400 | Télécommunications | 517683 | 0 | 65446.01 | 119442.08 | 613515.33 | 3893.62 | 0 | 24794.49 | 437332 | 1782106.53 1500 | Services financiers | 8062 | 0 | 49861.79 | 1643431.38 | 1208743.25 | 867963.93 | 0 | 13187.6 | 944078 | 4735327.95 1510 | Services professionnels | 1089598 | 22902.44 | 97378.93 | 110211.16 | 215309.95 | 149400.21 | 0 | 0.7 | 25898 | 1710699.3899999997 1520 | Services médicaux | 123398 | 0 | 1656.7 | 8970.17 | 40803.67 | 42979.68 | 0 | 0 | 962 | 218770.21999999997 1530 | Services d'agence ou de représentation | 611 | 0 | 4645.18 | 124186.56 | 31103.86 | 138763.09 | 0 | 0 | 754 | 300063.68999999994 1540 | Services d'enseignement | 24591 | 0 | 7032.99 | 156785.47 | 9902.5 | 20282.6 | 0 | 0 | 5960 | 224554.56 1550 | Autres services | 331555 | 49468.99 | 7084.27 | 610119.61 | 149902.54 | 784120.66 | 0 | 28923.05 | 25553 | 1986727.1199999999 1560 | Crédit à la consommation | 2859309 | 221131.58 | 664814.15 | 2680305.5 | 1430080.49 | 269228.45 | 394607.37 | 9788.43 | 553444 | 9082708.97 Total | 10812016 | 1380452.28 | 2325991.63 | 22556594.559999995 | 25162945.939999998 | 5672059.329999999 | 3411437.5100000002 | 1798984.06 | 3549306 | 76669787.31 (1) Commerce de gros Import-export | 1555 | 42837.33 | 28543.37 | 971367.69 | 1425883.23 | 151540 | 0 | 12926.16 | 0 | 2634652.7800000003 Produits pétroliers | 406085 | 0 | 782.74 | 5115.63 | 735.55 | 7311 | 0 | 0 | 0 | 420029.92 Produits pharmaceutiques | 0 | 1901.24 | 360.48 | 121929.7 | 93279.74 | 20879 | 0 | 0 | 0 | 238350.16 Produits alimentaires | 474552 | 16368.98 | 303968.06 | 1680104.09 | 842178.67 | 170235 | 0 | 54156.48 | 27136 | 3568699.28 Matériaux de construction | 0 | 0 | 71995.62 | 429164.34 | 642953.42 | 59977 | 0 | 0 | 0 | 1204090.3800000001 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 285118 | 76029.35 | 132593.3 | 749521.43 | 562357.5 | 9925 | 0 | 189332.06 | 0 | 2004876.6400000001 S-Total | 1167310 | 137136.90000000002 | 538243.5700000001 | 3957202.8800000004 | 3567388.11 | 419867 | - | 256414.7 | 27136 | 10070699.16 (2) Commerce de détail Produits pétroliers | 23297 | 8386.8 | 0 | 131942.36 | 93629.34 | 46656 | 0 | 0 | 0 | 303911.5 Produits pharmaceutiques | 0 | 0 | 0 | 8527.91 | 1306.64 | 19044 | 0 | 0 | 0 | 28878.55 Véhicules automobiles | 0 | 36463.21 | 0 | 941810.21 | 1915418.26 | 124491 | 0 | 174849.44 | 988 | 3194020.1199999996 Produits alimentaires | 1261 | 0 | 7537.6 | 784303.09 | 602522.6 | 155624 | 0 | 0 | 5021 | 1556269.29 Librairie ,papeterie | 1693 | 0 | 0 | 44392.35 | 22710.63 | 9200 | 0 | 0 | 1398 | 79393.98 Appareils électro- ménagers électroni.équip. inform. | 13952 | 0 | 6224.35 | 279814.84 | 201510.09 | 195125 | 0 | 0 | 0 | 696626.28 Matériaux de construction | 0 | 0 | 0 | 220982.99 | 252031.26 | 262 | 0 | 33602.14 | 0 | 506878.39 Autres | 62384 | 368860.9 | 41401 | 1111274.01 | 838613.66 | 127979 | 0 | 196602.92 | 2423 | 2749538.49 S-Total | 102587 | 413710.91000000003 | 55162.95 | 3523047.76 | 3927742.4799999995 | 678381 | - | 405054.5 | 9830 | 9115516.6 [Secteur d'activité déc. 14 (%)] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 7.172580930585297e-05 | 0.0037060386419921713 | 0 | 0 | 0 | 0 | 0.001237420153735392 200 | Industrie alimentaire | 0.033416709705202066 | 0.004930014676059646 | 0.0014766046256150976 | 0.015432658909306568 | 0.04931108912917691 | 0.03806496325912022 | 0.005723124032836234 | 0.23576282271228127 | 0.0434546922694183 | 0.03618454136024654 210 | Industrie des boissons | 0.00036616667973854276 | 0 | 0.0037504305206807645 | 0.025977614149216687 | 0.0843880372776416 | 0.019395065107684625 | - | 0.2221928192070807 | 0.01901188570385309 | 0.04303273839354544 220 | Industrie du bois | 0.0005720487280078017 | 0.00033534661553096207 | 0.0021039714575413152 | 0.00014487559242630643 | 0 | 0 | - | 0 | 0 | 0.000193161485372588 230 | Industrie chimique | 0 | 0.0002311199051371772 | 0 | 0.018288205203259196 | 0.0037433009721754384 | 0.014461620590982079 | - | 0 | 0 | 0.007683056790261493 240 | Industrie du textile | 0.026652661261322586 | 0 | 0.024325250903847837 | 0.026871810741984636 | 0.010383389155745253 | 0.018286517112295442 | - | 0 | 0.0023125647661824595 | 0.017270071907807407 250 | Industrie pharmacie | 0 | 0 | 0.008147699138539032 | 0.00027565464208086565 | 0.0006035052507846384 | 0 | - | 0 | 0 | 0.0005263517927450475 260 | Imprimerie, édition | 0.0068124205513569345 | 0 | 0.0014001641097908853 | 0.003968357890278985 | 0.0018511656032274575 | 0.006937864664402234 | - | 0 | 0.00021356287679901367 | 0.003301380881318634 270 | Sidérurgie, aciérie | 0.03983845380916935 | 0 | 0.009284586290622206 | 0.024349746081529077 | 0.015119228523844298 | 0.01145527509847116 | - | 0.07863607752033111 | 0.014069511053710218 | 0.021369546694781357 280 | Industrie de la fabrication | 0.0063902051199332295 | 0 | 0.01790650467645922 | 0.04043353120410035 | 0.02145091005190945 | 0.011838640270358388 | - | 0 | 0.0028349204041578833 | 0.0213873517526522 290 | Autres industries | 0 | 0 | 0.03626325602899955 | 0.005192341853219888 | 0.004392118882404593 | 0.00794186861934676 | - | 0.0013382831196403152 | 0.0011982624208788986 | 0.004743661652920268 300 | Production et distribution de l'électricité | 0.12920476625265814 | 0 | 0.11995995445606998 | 0.040927966211580485 | 0.0038041308926326776 | 0.0002605420560718994 | - | 0.039247974214957744 | 0 | 0.03608974169723701 400 | Production et distribution de gaz | 0 | 0 | 0.0018152300917781033 | 0.000460033094641038 | 0.09268838813870615 | 0.01611923019147968 | - | 0 | 0 | 0.0318031548743056 500 | Traitement et distribution de l'eau | 0 | 0.011488452175978152 | 0.00409630020895647 | 0.012128563523730778 | 0.0022157799064126595 | 0 | - | 0 | 0 | 0.0047126614364935565 600 | Entrep/ batiment et corps/ métiers corresp. | 4.624484462472124e-07 | 0.12892318885517723 | 0.0006426463366078406 | 0.11741159300245013 | 0.026448427842546963 | 0.039643374111180185 | - | 0.01249961603328492 | 0.10905089614702142 | 0.05383866950497739 700 | Commerce de gros(1) | 0.10796423164745594 | 0.09934201419841909 | 0.23140391524108794 | 0.1754344109645601 | 0.1417714809111099 | 0.0740236668152059 | 0.0020282300290471976 | 0.14253305835294616 | 0.007645438291316669 | 0.13144185387202162 800 | Commerce de détail(2) | 0.009488239751032555 | 0.29969229360105076 | 0.023715880697300705 | 0.1561870410282358 | 0.15609231484125663 | 0.11960056666050425 | 0.0018413410714945206 | 0.2251573590929983 | 0.0027695555131059422 | 0.11897514053505463 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006990555692851361 | 0.00022586075919987615 | 0.0020726987740708252 | 0.0004088245668232644 | 0.0006406956498035541 | 0.0026095160750019874 | - | 0 | 0.0007145058780505259 | 0.0016094433587127686 1000 | Hotels,motels et pensions | 0.01497509807606648 | 0 | 0.006456639742938371 | 0.04491945569641875 | 0.010470235107932678 | 0.10070167936695402 | 0.006579859643977473 | 0 | 0 | 0.026702221981160727 1100 | Transport | 0.0076802513055844535 | 0.04067515466742538 | 0.016923057457433756 | 0.011742114231626286 | 0.018539008155576877 | 0.00413217292633644 | - | 0 | 0 | 0.012173610137017607 1200 | Immobilier résidentiel | 0.10055368027572287 | 0.1693827112951706 | 0.06530807679647584 | 0.0075630379198516765 | 0.04073076190855577 | 0.10971834633471651 | 0.5729166383000813 | 0 | 0.22701790152779164 | 0.07892255375033204 1300 | Immobilier commercial | 0.05082548897448912 | 0.03216018448678284 | 0.03690962120959997 | 0.030042917524514844 | 0.16463375750510395 | 0.0022693785891693065 | 0.29523893286850794 | 0 | 0.007911687524265307 | 0.08540850013739265 1400 | Télécommunications | 0.047880339799719125 | 0 | 0.028136820939463143 | 0.005295217754714124 | 0.024381697256867372 | 0.0006864561481940635 | - | 0.013782495660356213 | 0.12321620057554913 | 0.0232439216610108 1500 | Services financiers | 0.0007456518747290052 | 0 | 0.021436788231262896 | 0.07285813359940094 | 0.04803663501412745 | 0.1530244800877286 | - | 0.007330581906323283 | 0.26598946385575095 | 0.06176263318500655 1510 | Services professionnels | 0.10077658042681402 | 0.016590533647421697 | 0.04186555477845808 | 0.004885983994917362 | 0.008556627292901143 | 0.02633967688063658 | 0 | 3.891085060531331e-07 | 0.0072966377088929495 | 0.02231256209285028 1520 | Services médicaux | 0.011413042674002703 | 0 | 0.0007122553575139047 | 0.00039767394746310507 | 0.001621577620414345 | 0.007577438369284478 | - | 0 | 0.0002710389016895134 | 0.0028534084634334947 1530 | Services d'agence ou de représentation | 5.651120013140935e-05 | 0 | 0.001997075114152496 | 0.005505554469654839 | 0.001236097715830486 | 0.02446432273126452 | - | 0 | 0.00021243589591880778 | 0.003913714913369309 1540 | Services d'enseignement | 0.00227441394833304 | 0 | 0.0030236523250085816 | 0.006950759769297376 | 0.00039353500276208123 | 0.0035758793799499982 | - | 0 | 0.0016792015115067566 | 0.002928853305566839 1550 | Autres services | 0.030665418919098898 | 0.03583534955659604 | 0.0030456988359842036 | 0.027048391918252403 | 0.0059572730616453415 | 0.13824267596298223 | - | 0.016077435394285817 | 0.007199435607975193 | 0.025912777245188368 1560 | Crédit à la consommation | 0.2644566008781341 | 0.16018777556005048 | 0.285819665653741 | 0.1188258047051585 | 0.05683279268691224 | 0.04746573234451693 | 0.11567187405405528 | 0.0054410876770081 | 0.15593020156616533 | 0.11846529498348234 Total | 1 | 0.9999999999999998 | 1 | 1.0000000000000002 | 0.9999999999999999 | 0.9988369497538384 | 1 | 1 | 1 | 0.9999999999999998 (1) Commerce de gros Import-export | 0.00014382146678288305 | 0.031031373282964913 | 0.012271484399107661 | 0.043063578919955554 | 0.05666598948310581 | 0.02671692787106302 | - | 0.007185255438005382 | 0 | 0.034363637521873804 Produits pétroliers | 0.037558675458859846 | 0 | 0.0003365188377741497 | 0.00022679088310039656 | 2.9231473999661585e-05 | 0.0012889498460165085 | - | 0 | 0 | 0.005478428136257731 Produits pharmaceutiques | 0 | 0.001377258763338056 | 0.00015497906155406073 | 0.005405501246017875 | 0.003707027794854453 | 0.0036810263760058384 | - | 0 | 0 | 0.0031087885901688434 Produits alimentaires | 0.043891167012701425 | 0.011857693479994831 | 0.13068321316358306 | 0.07448394240234109 | 0.033469001284990245 | 0.03001290890939958 | - | 0.03010392432270912 | 0.007645438291316669 | 0.04654635685332775 Matériaux de construction | 0 | 0 | 0.03095265652353186 | 0.01902611401993476 | 0.025551595649138056 | 0.010574113652651092 | - | 0 | 0 | 0.015704887443230866 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.02637047521942254 | 0.05507568142811862 | 0.05700506325553716 | 0.033228483493210434 | 0.02234863522502167 | 0.0017498053921096769 | - | 0.10524387859223165 | 0 | 0.02614950047916078 S-Total | 0.1079641391577667 | 0.09934200695441642 | 0.23140391524108794 | 0.17543441096456008 | 0.14177148091110992 | 0.07402373204724572 | - | 0.14253305835294616 | 0.007645438291316669 | 0.13135159902401977 (2) Commerce de détail Produits pétroliers | 0.0021547322904442614 | 0.006075400157983005 | 0 | 0.005849391833019675 | 0.003720921239637651 | 0.00822558391680293 | - | 0 | 0 | 0.003963901696651256 Produits pharmaceutiques | 0 | 0 | 0 | 0.00037806726442309214 | 5.1927147286952375e-05 | 0.003357510719127122 | - | 0 | 0 | 0.0003766614074881278 Véhicules automobiles | 0 | 0.026413959054057266 | 0 | 0.041753209133356 | 0.07612058876441716 | 0.021948113155579426 | - | 0.09719343483232419 | 0.0002783642774108516 | 0.041659436292493864 Produits alimentaires | 0.00011662949814354696 | 0 | 0.0032405963558862854 | 0.03477045650280998 | 0.02394483545117055 | 0.027436948548279733 | - | 0 | 0.001414642749878427 | 0.020298338427724015 Librairie ,papeterie | 0.0001565850438993061 | 0 | 0 | 0.001968043087440235 | 0.0009025425740750927 | 0.0016219858546507836 | - | 0 | 0.000393879817631954 | 0.0010355315018546383 Appareils électro- ménagers électroni.équip. inform. | 0.0012904161444082215 | 0 | 0.0026759984514647633 | 0.012405012611974709 | 0.00800820740466925 | 0.034401085857471106 | - | 0 | 0 | 0.009086059899753229 Matériaux de construction | 0 | 0 | 0 | 0.009796824135495746 | 0.010015967947511317 | 0 | - | 0.01867839785084032 | 0 | 0.006611188158779307 Autres | 0.005769876774137219 | 0.26720293438901055 | 0.017799290189191266 | 0.04926603645971638 | 0.03332732431248867 | 0.022563057357864416 | - | 0.10928552640983379 | 0.0006826686681847099 | 0.035862085789839925 S-Total | 0.009488239751032555 | 0.2996922936010508 | 0.023715884996542314 | 0.15618704102823583 | 0.15609231484125663 | 0.11955428540977552 | - | 0.22515735909299828 | 0.0027695555131059422 | 0.11889320317458435 [Secteur d'activité déc. 14 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT AU 31 mars 2016 RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2014 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1269898 | 550847.82 | 593406.51 | 7480250.64 | 7495130.59 | 1098248.1400000001 | 13200.8 | 661469.2 | 36966 | 19199417.7 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1815308 | 72683.21999999999 | 187499.02999999997 | 3676155.9899999993 | 1935349.52 | 2589497.4000000004 | 22446.78 | 42111.35 | 1005741 | 11346792.29 Industries Manufacturières ( 200 à 290 ) | 1233096 | 7587.63 | 243434.72 | 3630140.9499999997 | 4812230.850000001 | 728189.27 | 19524.08 | 967727.5 | 294931 | 11936862 Prêts aux Particuliers ( 1560 ) | 2859309 | 221131.58 | 664814.15 | 2680305.5 | 1430080.49 | 269228.45 | 394607.37 | 9788.43 | 553444 | 9082708.97 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1636714 | 278220.35 | 237757.51 | 848262.29 | 5167576.3 | 635201.02 | 2961658.48 | 0 | 833837 | 12599226.950000001 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 600722 | 56150.11 | 104808.9 | 384304.19 | 1080011.39 | 27331.55 | 0 | 24794.49 | 437332 | 2715454.63 Bâtiments et Travaux Publics ( 600 ) | 5 | 177972.31 | 1494.79 | 2648405.7 | 665520.36 | 224859.57 | 0 | 22486.61 | 387055 | 4127799.34 Électricité, Gaz et Eau ( 300 à 500 ) | 1396964 | 15859.26 | 292776.02 | 1207151.4100000001 | 2483791.59 | 99503.93 | 0 | 70606.48 | 0 | 5566652.69 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 1617.89 | 93254.85 | 0 | 0 | 0 | 0 | 94872.74 Total | 10812016 | 1380452.28 | 2325991.63 | 22556594.56 | 25162945.94 | 5672059.330000001 | 3411437.51 | 1798984.0599999998 | 3549306 | 76669787.30999999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1174524713984885 | 0.39903430779946986 | 0.2551197959383887 | 0.33162145199279586 | 0.2978637957523665 | 0.19362423347571012 | 0.0038695711005417186 | 0.3676904174459445 | 0.010414993804422611 | 0.2504169944070763 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1678972728120269 | 0.05265174396321761 | 0.08061036315938935 | 0.16297477796222798 | 0.07691267646541707 | 0.4565356688538023 | 0.006579859643977474 | 0.023408406409115155 | 0.2833627193597847 | 0.14799561454528837 Industries Manufacturières ( 200 à 290 ) | 0.11404866585473052 | 0.005496481196727785 | 0.10465846775209592 | 0.1609347962674025 | 0.19124274484690962 | 0.12838181472266086 | 0.005723124032836235 | 0.5379300025593334 | 0.08309539949499986 | 0.155691862711651 Prêts aux Particuliers ( 1560 ) | 0.2644566008781341 | 0.16018777556005048 | 0.285819665653741 | 0.11882580470515848 | 0.056832792686912235 | 0.04746573234451692 | 0.1156718740540553 | 0.0054410876770081005 | 0.15593020156616533 | 0.11846529498348235 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.151379169250212 | 0.20154289578195342 | 0.1022176980060758 | 0.03760595544436651 | 0.2053645194136597 | 0.11198772492388578 | 0.8681555711685893 | 0 | 0.23492958905205694 | 0.16433105388772473 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05556059110530358 | 0.04067515466742538 | 0.045059878396896895 | 0.017037331986340408 | 0.04292070541244424 | 0.004818629074530501 | 0 | 0.013782495660356215 | 0.12321620057554913 | 0.035417531798028416 Bâtiments et Travaux Publics ( 600 ) | 4.624484462472124e-07 | 0.12892318885517723 | 0.0006426463366078406 | 0.11741159300245012 | 0.02644842784254696 | 0.03964337411118017 | 0 | 0.012499616033284922 | 0.10905089614702142 | 0.053838669504977406 Électricité, Gaz et Eau ( 300 à 500 ) | 0.12920476625265814 | 0.011488452175978152 | 0.12587148475680457 | 0.0535165628299523 | 0.09870829893775147 | 0.017542822493713226 | 0 | 0.03924797421495775 | 0 | 0.07260555800803618 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 7.172580930585296e-05 | 0.0037060386419921704 | 0 | 0 | 0 | 0 | 0.0012374201537353922 Total | 1 | 0.9999999999999998 | 1 | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999997 | 1 | 1.0000000000000002 | 1 | 1 [Secteur d'activité sept. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 1825.16 | 98565.68 | 0 | 0 | 0 | 0 | 100390.84 200 | Industrie alimentaire | 334535 | 22143.37 | 3612.97 | 351551.03 | 1186357.14 | 228978.03 | 21168.66 | 354780.98 | 153155 | 2656282.1799999997 210 | Industrie des boissons | 3906 | 0 | 8948.47 | 601418.91 | 2131987.99 | 110013.03 | 0 | 120744.08 | 70042 | 3047060.48 220 | Industrie du bois | 9360 | 535.05 | 0 | 2167.2 | 0 | 0 | 0 | 0 | 0 | 12062.25 230 | Industrie chimique | 0 | 505.24 | 0 | 473361.57 | 96753.39 | 74056.07 | 0 | 0 | 0 | 644676.27 240 | Industrie du textile | 293147 | 0 | 0 | 599776.96 | 252840.84 | 90253.04 | 0 | 0 | 7816 | 1243833.84 250 | Industrie pharmacie | 0 | 0 | 13741.24 | 7086.11 | 18136.48 | 0 | 0 | 0 | 0 | 38963.83 260 | Imprimerie, édition | 170483 | 0 | 4139.94 | 242155.17 | 86636.88 | 56682 | 0 | 0 | 4533 | 564629.99 270 | Sidérurgie, aciérie | 431148 | 0 | 22654.58 | 546259.3 | 394550.14 | 64975 | 0 | 184082.63 | 45940 | 1689609.65 280 | Industrie de la fabrication | 70545 | 0 | 177724.75 | 849460.16 | 561869.64 | 75161.54 | 0 | 0 | 8852 | 1743613.0900000003 290 | Autres industries | 0 | 0 | 83131.05 | 153898.81 | 108962 | 45108.36 | 0 | 13821.5 | 1355 | 406276.72 300 | Production et distribution de l'électricité | 1626641 | 0 | 356620.26 | 931540.88 | 93722.46 | 1662.85 | 0 | 68794.75 | 0 | 3078982.2 400 | Production et distribution de gaz | 0 | 3401.19 | 4661.25 | 1618.71 | 1441022.63 | 90111.48 | 0 | 47.55 | 0 | 1540862.8099999998 500 | Traitement et distribution de l'eau | 0 | 15644.45 | 7609.61 | 282251.81 | 52871.59 | 0.02 | 0 | 0 | 0 | 358377.48 600 | Entrep/ batiment et corps/ métiers corresp. | 28731 | 150634.83 | 0 | 2463149.05 | 806048.35 | 198093.7 | 0 | 5561.7 | 445208 | 4097426.6300000004 700 | Commerce de gros(1) | 1036115 | 132151.8 | 452499.95 | 3948676.91 | 3383162.53 | 464549.86 | 6713.53 | 279574.38 | 14138 | 9717581.959999999 800 | Commerce de détail(2) | 101583 | 400241.74 | 112969.67 | 3327649.59 | 3683975.55 | 606566.62 | 6814.8 | 351991.98 | 7524 | 8599316.95 900 | Rest/débits/boissons, casinos/activités/loterie | 61471 | 2401.36 | 5557.96 | 9456.31 | 18428.69 | 16657.45 | 0 | 0 | 5565 | 119537.77 1000 | Hotels,motels et pensions | 155724 | 0 | 16162.58 | 1003262.96 | 280261.18 | 559783.83 | 22352.12 | 0 | 0 | 2037546.67 1100 | Transport | 66627 | 57765.61 | 49061.22 | 241470.02 | 457851.15 | 25091.45 | 0 | 0 | 0 | 897866.45 1200 | Immobilier résidentiel / Avance Hypothécaire | 1024328 | 196644.01 | 110407.89 | 175289.72 | 987513.74 | 622498.52 | 1792708.15 | 0 | 810855 | 5720245.029999999 1300 | Immobilier commercial | 522551 | 111498.37 | 95202.35 | 657601.64 | 4036654.06 | 2973.24 | 1136279.55 | 0 | 29320 | 6592080.21 1400 | Télécommunications | 550079 | 0 | 9398.62 | 121550.73 | 679719.22 | 4376.57 | 0 | 2020.3 | 443433 | 1810577.44 1500 | Services financiers | 6154 | 0 | 27678.12 | 1456312.66 | 925196.06 | 849051.55 | 0 | 2157.11 | 1099483 | 4366032.5 1510 | Services professionnels | 1072537 | 22871.55 | 106201.57 | 96436.73 | 181769.48 | 127450.77 | 0 | 133.98 | 22638 | 1630039.08 1520 | Services médicaux | 182027 | 0 | 1535.02 | 6637.42 | 40593.8 | 18113.85 | 0 | 0 | 1132 | 250039.09 1530 | Services d'agence ou de représentation | 363 | 0 | 10518.08 | 112290.7 | 26755.21 | 503.81 | 0 | 0 | 1005 | 151435.8 1540 | Services d'enseignement | 24848 | 0 | 7465.06 | 144572.01 | 7119.52 | 21665.64 | 0 | 0 | 6261 | 211931.22999999998 1550 | Autres services | 322835 | 72558.78 | 7639.34 | 623825.99 | 232285.33 | 816860.69 | 0 | 47412.33 | 24216 | 2147633.46 1560 | Crédit à la consommation | 3424875 | 246919.2 | 596564.33 | 2528974.91 | 1295206.62 | 272281.29 | 262756.4 | 16256.33 | 593787 | 9237621.08 Total | 11520613 | 1435916.55 | 2291705.8800000004 | 21961529.130000003 | 23566817.349999998 | 5443520.259999999 | 3248793.21 | 1447379.6 | 3796258 | 74712532.98 (1) Commerce de gros Import-export | 0 | 35569.42 | 37082.86 | 820918.35 | 1357868.59 | 171607 | 0 | 0 | 0 | 2423046.22 Produits pétroliers | 232625 | 0 | 751.29 | 4483.19 | 50939.21 | 12710 | 0 | 0 | 0 | 301508.69 Produits pharmaceutiques | 0 | 2190.43 | 0 | 117053.56 | 86122.47 | 30950 | 0 | 0 | 0 | 236316.46 Produits alimentaires | 495967 | 16523.15 | 202478.96 | 1813347.99 | 899364.39 | 183615 | 0 | 63902.51 | 3933 | 3679132 Matériaux de construction | 0 | 0 | 53123.68 | 418762.2 | 610267.47 | 56846 | 0 | 0 | 4642 | 1143641.35 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 307523 | 77868.8 | 159063.15 | 774111.63 | 378600.39 | 8822 | 0 | 215671.86 | 5563 | 1927223.83 S-Total | 1036115 | 132151.8 | 452499.93999999994 | 3948676.92 | 3383162.52 | 464550 | - | 279574.37 | 14138 | 9710868.55 (2) Commerce de détail Produits pétroliers | 22236 | 5886.8 | 0 | 99849.23 | 100309.17 | 33976 | 0 | 0 | 0 | 262257.2 Produits pharmaceutiques | 0 | 0 | 0 | 9472.6 | 0 | 18026 | 0 | 0 | 308 | 27806.6 Véhicules automobiles | 0 | 35535.01 | 34168.28 | 869268.15 | 1905391.22 | 122864 | 0 | 106361.8 | 0 | 3073588.46 Produits alimentaires | 1201 | 0 | 8413.09 | 683474.84 | 451976.99 | 148249 | 0 | 0 | 4982 | 1298296.92 Librairie ,papeterie | 1743 | 0 | 0 | 45597.13 | 22381.53 | 8704 | 0 | 0 | 0 | 78425.66 Appareils électro- ménagers électroni.équip. inform. | 13592 | 0 | 6094.6 | 317938.38 | 168892.13 | 169566 | 0 | 0 | 0 | 676083.11 Matériaux de construction | 0 | 0 | 0 | 200750.56 | 261595.69 | 319 | 0 | 65010.1 | 0 | 527675.35 Autres | 62812 | 358819.93 | 64293.7 | 1101298.71 | 773428.82 | 104862 | 0 | 180620.08 | 2234 | 2648369.2399999998 S-Total | 101584 | 400241.74 | 112969.66999999998 | 3327649.5999999996 | 3683975.5499999993 | 606566 | - | 351991.98 | 7524 | 8592502.54 [Secteur d'activité sept. 14 (%)] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 8.310714564528139e-05 | 0.004182392494334836 | 0 | 0 | 0 | 0 | 0.0013436947724269218 200 | Industrie alimentaire | 0.02903795136595596 | 0.015421070256485307 | 0.001576541750636866 | 0.016007584349842584 | 0.0503401508307612 | 0.042064329526349566 | 0.006515853312805958 | 0.24511951114966657 | 0.040343675271807135 | 0.035553368010037445 210 | Industrie des boissons | 0.0003390444588321819 | 0 | 0.00390472009436045 | 0.027385110865456388 | 0.09046567291361472 | 0.02020990549229627 | - | 0.0834225382201048 | 0.018450273927641377 | 0.04078379300586256 220 | Industrie du bois | 0.0008124567677084545 | 0.00037261914698315853 | 0 | 9.868165313860363e-05 | 0 | 0 | - | 0 | 0 | 0.00016144881613408793 230 | Industrie chimique | 0 | 0.0003518588876212897 | 0 | 0.02155412618119456 | 0.004105492420256739 | 0.013604444635611593 | - | 0 | 0 | 0.008628756706355748 240 | Industrie du textile | 0.02544543419694768 | 0 | 0 | 0.027310346035089583 | 0.010728679916552245 | 0.016579903387739025 | - | 0 | 0.002058869549962094 | 0.016648262217705365 250 | Industrie pharmacie | 0 | 0 | 0.0059960748540733326 | 0.00032266013709947885 | 0.0007695769747203477 | 0 | - | 0 | 0 | 0.0005215166511678881 260 | Imprimerie, édition | 0.01479808409500432 | 0 | 0.0018064883614122415 | 0.011026334667617018 | 0.003676223170626814 | 0.01041274713653771 | - | 0 | 0.0011940705821364092 | 0.007557366448158668 270 | Sidérurgie, aciérie | 0.03742405026538084 | 0 | 0.009885465756190318 | 0.024873463808756196 | 0.01674176593896333 | 0.011936209823163221 | - | 0.12718338022727416 | 0.012101390369147725 | 0.022614808822668295 280 | Industrie de la fabrication | 0.006123372080982149 | 0 | 0.07755129118052442 | 0.03867946330019507 | 0.02384155788435302 | 0.013807524618269723 | - | 0 | 0.002331769863902822 | 0.023337625167476957 290 | Autres industries | 0 | 0 | 0.03627474656564567 | 0.007007654571273471 | 0.004623534793933471 | 0.008286615617372574 | - | 0.00954932624447657 | 0.00035693042991282467 | 0.00543786569394933 300 | Production et distribution de l'électricité | 0.1411939625087658 | 0 | 0.1556134507103503 | 0.04241694075516316 | 0.003976882351489859 | 0.0003054732820999917 | - | 0.047530551073125524 | 0 | 0.04121105358352957 400 | Production et distribution de gaz | 0 | 0.002368654362260815 | 0.002033965196266809 | 7.370661625691635e-05 | 0.06114625528762797 | 0.016553898157072353 | - | 0 | 0 | 0.020623886629736906 500 | Traitement et distribution de l'eau | 0 | 0.010895096933035558 | 0.0033205002729233294 | 0.012852101888225848 | 0.0022434760372935974 | 0 | - | 0 | 0 | 0.004796751839426124 600 | Entrep/ batiment et corps/ métiers corresp. | 0.002493877712930727 | 0.10490500301009831 | 0 | 0.11215744748098055 | 0.0342026815937452 | 0.03639073440318197 | - | 0.0038425994120685407 | 0.117275485491239 | 0.05484256076683749 700 | Commerce de gros(1) | 0.08993575255066723 | 0.09203306417771978 | 0.19745114499597127 | 0.17979972553942103 | 0.14355619088294075 | 0.08533997079309118 | 0.0020664688596785143 | 0.19315898883748256 | 0.003724193666500011 | 0.1300662897160952 800 | Commerce de détail(2) | 0.008817499554928197 | 0.27873607278918816 | 0.049295012499597016 | 0.15152176200036757 | 0.156320452409328 | 0.11142911039702828 | 0.0020976404343076055 | 0.24319258057803217 | 0.001981951700859109 | 0.11509872048243865 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0053357403811758975 | 0.0016723534525735497 | 0.002425250137247106 | 0.0004305852267400835 | 0.0007819761882272152 | 0.003060051070701812 | - | 0 | 0.0014659172269113428 | 0.0015999694459830373 1000 | Hotels,motels et pensions | 0.013516989069939247 | 0 | 0.00705264150214599 | 0.045682746135810616 | 0.01189219468364064 | 0.10283489419767496 | 0.006880130114529512 | 0 | 0 | 0.027271818913507273 1100 | Transport | 0.0057832860109093154 | 0.04022908573621496 | 0.021408166042668614 | 0.010995136931068513 | 0.0194277887930421 | 0.004609416113388362 | - | 0 | 0 | 0.012017614905926857 1200 | Immobilier résidentiel | 0.08891262990953692 | 0.136946683983829 | 0.048177163991044075 | 0.007981671902825282 | 0.04190271963048927 | 0.1143558745568075 | 0.5518074048178646 | 0 | 0.2135932278575376 | 0.07656339307263571 1300 | Immobilier commercial | 0.045357916284489375 | 0.07764961689451938 | 0.04154213279759966 | 0.02994334484212666 | 0.17128549859109424 | 0.0005461980222335024 | 0.34975434770746766 | 0 | 0.007723394985272339 | 0.0882325889254036 1400 | Télécommunications | 0.04774737247054475 | 0 | 0.004101145824175308 | 0.005534711598654514 | 0.02884221530235605 | 0.0008039962728089489 | - | 0.0013958328554582362 | 0.11680791979891778 | 0.024233918564702903 1500 | Services financiers | 0.0005341729645809645 | 0 | 0.012077518429197378 | 0.06631198817620765 | 0.03925842196931187 | 0.15597472029983778 | - | 0.0014903553981277613 | 0.2896228338537581 | 0.058437752353661394 1510 | Services professionnels | 0.09309721626791907 | 0.0159281888630645 | 0.046341710307083554 | 0.0043911664542641065 | 0.007712941348866525 | 0.02341329946662126 | 0 | 9.256728504395114e-05 | 0.005963240643812933 | 0.021817478473609635 1520 | Services médicaux | 0.015800114108511412 | 0 | 0.0006698154476961065 | 0.00030222941037985905 | 0.0017224981802644644 | 0.003327598527207466 | - | 0 | 0.0002981883739197915 | 0.003346682009388353 1530 | Services d'agence ou de représentation | 3.1508740029718905e-05 | 0 | 0.004589629101968355 | 0.005113063818794296 | 0.001135291609496859 | 9.25522411851922e-05 | - | 0 | 0.000264734377905822 | 0.0020269129416417755 1540 | Services d'enseignement | 0.0021568296756431277 | 0 | 0.0032574249885853586 | 0.006582966474884984 | 0.00030209934138603577 | 0.003980078876385041 | - | 0 | 0.0016492556617595537 | 0.0028366222044262962 1550 | Autres services | 0.028022380406320394 | 0.05053133484672211 | 0.003333473141850122 | 0.028405398654497056 | 0.00985645734637138 | 0.1500611095364969 | - | 0.032757356812269565 | 0.006378913129718791 | 0.028745290439756682 1560 | Crédit à la consommation | 0.29728235815229626 | 0.171959296659684 | 0.2603145260507862 | 0.11515477337802296 | 0.05495891111491133 | 0.05001933987474496 | 0.0808781547533461 | 0.011231559433337321 | 0.15641376323737743 | 0.12364218841934918 Total | 1.0000000000000002 | 1 | 1 | 0.9999999999999998 | 1.0000000000000002 | 0.9999999963259071 | 1 | 0.9999671475264676 | 1 | 1 (1) Commerce de gros Import-export | 0 | 0.0247712306122525 | 0.016181334753131583 | 0.03737983567267203 | 0.05761781787645586 | 0.03152500437281371 | - | 0 | 0 | 0.03243158976618597 Produits pétroliers | 0.02019206790472 | 0 | 0.00032783002677463994 | 0.00020413833542564435 | 0.002161480239078613 | 0.0023348861385518206 | - | 0 | 0 | 0.004035583830101325 Produits pharmaceutiques | 0 | 0.0015254577294202785 | 0 | 0.005329936695532821 | 0.0036543954459765018 | 0.0056856590077245354 | - | 0 | 0 | 0.003163009612634338 Produits alimentaires | 0.04305040018269861 | 0.011507040572796518 | 0.08835294344141577 | 0.08256929557436513 | 0.0381623185109465 | 0.03373092984501908 | - | 0.04415048408862471 | 0.0010360202072672616 | 0.04924383973147954 Matériaux de construction | 0 | 0 | 0.023180845528048298 | 0.019067989187873093 | 0.025895200906286144 | 0.010442874699615799 | - | 0 | 0.0012227830669043042 | 0.015307222287673535 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.026693284463248614 | 0.0542293352632505 | 0.06940818688303928 | 0.035248530528894 | 0.016064977479871716 | 0.0016206424480176367 | - | 0.14900849783982031 | 0.0014653903923284456 | 0.02579518794411513 S-Total | 0.08993575255066723 | 0.09203306417771981 | 0.1974511406324096 | 0.17979972599476268 | 0.1435561904586153 | 0.08533999651174261 | - | 0.19315898192844502 | 0.003724193666500011 | 0.12997643317218982 (2) Commerce de détail Produits pétroliers | 0.001930105628927905 | 0.004099681140940955 | 0 | 0.00454655180925464 | 0.004256373209427025 | 0.006241549287445842 | - | 0 | 0 | 0.0035102169547672054 Produits pharmaceutiques | 0 | 0 | 0 | 0.00043132697836874165 | 0 | 0.0033114600734488685 | - | 0 | 8.113252576616236e-05 | 0.0003721811975969764 Véhicules automobiles | 0 | 0.02474726682410618 | 0.014909539787889357 | 0.03958140368343285 | 0.08085059563632593 | 0.022570688475769544 | - | 0.07348576696811258 | 0 | 0.04113886034117967 Produits alimentaires | 0.00010424792500190745 | 0 | 0.003671103728197442 | 0.03112145952835115 | 0.019178533243904488 | 0.027234031090021153 | - | 0 | 0.001312344945996821 | 0.0173772306762447 Librairie ,papeterie | 0.00015129403270468334 | 0 | 0 | 0.00207622746713539 | 0.0009497052430798425 | 0.0015989652989736466 | - | 0 | 0 | 0.0010496988506733399 Appareils électro- ménagers électroni.équip. inform. | 0.0011797983319116786 | 0 | 0.0026594163121840047 | 0.014477060231916554 | 0.007166522636116583 | 0.031150063176213848 | - | 0 | 0 | 0.009049125803042743 Matériaux de construction | 0 | 0 | 0 | 0.009141010118724823 | 0.011100170469136344 | 0 | - | 0.04491572217820397 | 0 | 0.007062742072220397 Autres | 0.005452140437318743 | 0.24988912482414105 | 0.02805495267132621 | 0.05014672263852512 | 0.03281855197133778 | 0.01926363731399064 | - | 0.12479109143171561 | 0.0005884742290961257 | 0.03544745619465142 S-Total | 0.008817586355864918 | 0.27873607278918816 | 0.049295012499597016 | 0.15152176245570928 | 0.15632045240932801 | 0.11137039471586355 | - | 0.24319258057803217 | 0.001981951700859109 | 0.11500751209037645 [Secteur d'activité sept. 14glo] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2014 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1137698 | 532393.54 | 565469.62 | 7276326.5 | 7067138.08 | 1071116.48 | 13528.33 | 631566.36 | 21662 | 18316898.909999996 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1825959 | 97831.69 | 182757.72999999995 | 3452794.78 | 1712409.27 | 2410087.59 | 22352.12 | 49703.42 | 1160300 | 10914195.599999998 Industries Manufacturières ( 200 à 290 ) | 1313124 | 23183.66 | 313953 | 3827135.22 | 4838094.5 | 745227.07 | 21168.66 | 673429.19 | 291693 | 12047008.299999999 Prêts aux Particuliers ( 1560 ) | 3424875 | 246919.2 | 596564.33 | 2528974.91 | 1295206.62 | 272281.29 | 262756.4 | 16256.33 | 593787 | 9237621.08 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1546879 | 308142.38 | 205610.24 | 832891.36 | 5024167.8 | 625471.76 | 2928987.7 | 0 | 840175 | 12312325.239999998 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 616706 | 57765.61 | 58459.840000000004 | 363020.75 | 1137570.37 | 29468.02 | 0 | 2020.3 | 443433 | 2708443.89 Bâtiments et Travaux Publics ( 600 ) | 28731 | 150634.83 | 0 | 2463149.05 | 806048.35 | 198093.7 | 0 | 5561.7 | 445208 | 4097426.6300000004 Électricité, Gaz et Eau ( 300 à 500 ) | 1626641 | 19045.64 | 368891.12 | 1215411.4 | 1587616.68 | 91774.35 | 0 | 68842.3 | 0 | 4978222.489999999 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 1825.16 | 98565.68 | 0 | 0 | 0 | 0 | 100390.84 Total | 11520613 | 1435916.5500000003 | 2291705.8800000004 | 21961529.13 | 23566817.35 | 5443520.259999999 | 3248793.21 | 1447379.6 | 3796258 | 74712532.97999999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.09875325210559542 | 0.37076913696690794 | 0.24674615749556827 | 0.33132148753978863 | 0.2998766432922687 | 0.19676908119011946 | 0.00416410929398612 | 0.43635156941551473 | 0.005706145367359121 | 0.24516501019853387 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.15849495161411983 | 0.06813187716236016 | 0.07974746305577395 | 0.15722014435157866 | 0.07266188066756497 | 0.4427443042161104 | 0.006880130114529512 | 0.03434027949544127 | 0.30564308326778633 | 0.14608252678197445 Industries Manufacturières ( 200 à 290 ) | 0.11398039323081159 | 0.016145548291089756 | 0.1369953285628433 | 0.17426542556966299 | 0.20529265484378184 | 0.13690168023733967 | 0.006515853312805958 | 0.4652747558415221 | 0.07683697999451039 | 0.16124481153951636 Prêts aux Particuliers ( 1560 ) | 0.29728235815229626 | 0.17195929665968399 | 0.2603145260507862 | 0.11515477337802299 | 0.05495891111491132 | 0.05001933987474496 | 0.0808781547533461 | 0.011231559433337321 | 0.15641376323737743 | 0.12364218841934921 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.1342705461940263 | 0.21459630087834836 | 0.08971929678864374 | 0.03792501674495195 | 0.21318821822158346 | 0.114902072579041 | 0.9015617525253324 | 0 | 0.22131662284280995 | 0.16479598199803933 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.053530658481454066 | 0.040229085736214955 | 0.025509311866843923 | 0.016529848529723033 | 0.048270004095398146 | 0.005413412386197311 | 0 | 0.0013958328554582362 | 0.11680791979891778 | 0.03625153347062977 Bâtiments et Travaux Publics ( 600 ) | 0.002493877712930727 | 0.1049050030100983 | 0 | 0.11215744748098057 | 0.0342026815937452 | 0.03639073440318197 | 0 | 0.0038425994120685407 | 0.117275485491239 | 0.0548425607668375 Électricité, Gaz et Eau ( 300 à 500 ) | 0.1411939625087658 | 0.013263751295296371 | 0.16096791617954043 | 0.055342749259645926 | 0.06736661367641142 | 0.016859375113265403 | 0 | 0.047563403546657695 | 0 | 0.0666316920526926 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 8.31071456452814e-05 | 0.004182392494334836 | 0 | 0 | 0 | 0 | 0.001343694772426922 Total | 1 | 0.9999999999999998 | 0.9999999999999999 | 1 | 0.9999999999999998 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1 [Secteur d'activité juin 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 2047.63 | 100958.68 | 0 | 0 | 0 | 0 | 103006.31 200 | Industrie alimentaire | 175355 | 21647.54 | 3853.78 | 365879.14 | 1044804.42 | 234585.21 | 0 | 329481.61 | 164052 | 2339658.6999999997 210 | Industrie des boissons | 3923 | 0 | 9464.22 | 656348.93 | 1150654.99 | 110005.88 | 0 | 209649.24 | 72604 | 2212650.26 220 | Industrie du bois | 13969 | 0 | 0 | 2433.4 | 0 | 0 | 0 | 0 | 0 | 16402.4 230 | Industrie chimique | 0 | 0 | 0 | 470541.41 | 69914.34 | 73403.38 | 0 | 0 | 0 | 613859.13 240 | Industrie du textile | 288970 | 0 | 0 | 614771.88 | 252586.35 | 101474.68 | 0 | 0 | 7785 | 1265587.91 250 | Industrie pharmacie | 0 | 0 | 0 | 0 | 18463.09 | 1.47 | 0 | 0 | 0 | 18464.56 260 | Imprimerie, édition | 99256 | 0 | 0 | 188700.8 | 138599.55 | 61303.91 | 0 | 0 | 4479 | 492339.26 270 | Sidérurgie, aciérie | 431555 | 0 | 0 | 576663.91 | 409547.13 | 64975 | 0 | 123176.08 | 47509 | 1653426.12 280 | Industrie de la fabrication | 72094 | 0 | 45339.9 | 807237.81 | 536003.33 | 65654.15 | 0 | 0 | 8865 | 1535194.19 290 | Autres industries | 0 | 0 | 20402.96 | 77748.88 | 118684.96 | 44182.28 | 0 | 0 | 1508 | 262527.07999999996 300 | Production et distribution de l'électricité | 1885691 | 0 | 194690.72 | 892425.13 | 93656.42 | 1896.15 | 0 | 68383.83 | 0 | 3136743.25 400 | Production et distribution de gaz | 0 | 1735.16 | 5091 | 1677.26 | 1648869.45 | 91427.62 | 0 | 400.39 | 0 | 1749200.8799999997 500 | Traitement et distribution de l'eau | 0 | 4528.48 | 0 | 261435.89 | 56519.29 | 0.39 | 0 | 0 | 0 | 322484.05 600 | Entrep/ batiment et corps/ métiers corresp. | 0 | 199928.97 | 20000 | 2275310.08 | 687652.13 | 223334.02 | 0 | 13800.93 | 470805 | 3890831.1300000004 700 | Commerce de gros(1) | 856008 | 115928.27 | 160366.16 | 4085966.62 | 3062102.96 | 558911.26 | 0 | 273399.35 | 30747 | 9143429.62 800 | Commerce de détail(2) | 346006 | 389129.43 | 105432.92 | 2799559.63 | 3183161.83 | 561865.48 | 0 | 199876.2 | 10007 | 7595038.490000001 900 | Rest/débits/boissons, casinos/activités/loterie | 13944 | 2795.46 | 4557.78 | 11375.69 | 20640.48 | 16846.08 | 0 | 0 | 5603 | 75762.49 1000 | Hotels,motels et pensions | 161040 | 0 | 16741.67 | 1043091.98 | 90149.18 | 560589.1 | 107027.54 | 0 | 0 | 1978639.4699999997 1100 | Transport | 34589 | 48263.26 | 61463.32 | 34599.91 | 431988.23 | 32562.6 | 0 | 4848.65 | 0 | 648314.97 1200 | Immobilier résidentiel / Avance Hypothécaire | 935996 | 243779.62 | 66844.25 | 171124.94 | 932112.31 | 597698.51 | 1739389.78 | 0 | 812569 | 5499514.41 1300 | Immobilier commercial | 495532 | 98375.37 | 106423.38 | 587354.91 | 4129584.01 | 2590.63 | 991044.82 | 0 | 31474 | 6442379.12 1400 | Télécommunications | 515888 | 0 | 9592.7 | 128255.12 | 788316.54 | 2112.53 | 0 | 36899.81 | 368394 | 1849458.7 1500 | Services financiers | 5150 | 51351.65 | 1505.29 | 1494069.36 | 743953.93 | 794518.19 | 0 | 9546.87 | 638892 | 3738987.29 1510 | Services professionnels | 402171 | 22055.97 | 80427.82 | 281948.25 | 152575.58 | 133284.78 | 6746.97 | 358.46 | 23249 | 1102817.8299999998 1520 | Services médicaux | 210936 | 282.35 | 0 | 6219.77 | 40524.73 | 14078.01 | 0 | 0 | 1242 | 273282.86 1530 | Services d'agence ou de représentation | 1190 | 0 | 4272.72 | 141033.92 | 32429.11 | 0 | 0 | 0 | 979 | 179904.75 1540 | Services d'enseignement | 23271 | 0 | 3227.06 | 148836.65 | 8401.25 | 10650.57 | 0 | 0 | 7045 | 201431.53 1550 | Autres services | 400561 | 36792.89 | 5423.63 | 1342962.69 | 148840.96 | 795704.88 | 0 | 50191.5 | 34152 | 2814629.55 1560 | Crédit à la consommation | 2598189 | 321510.81 | 291240.9 | 2227055.22 | 1165574.74 | 312141.95 | 247070.94 | 18422.02 | 624747 | 7805952.58 Total | 9971284 | 1558105.23 | 1216362.1800000002 | 21696676.81 | 21257269.97 | 5465798.71 | 3091280.0500000003 | 1338434.94 | 3366707 | 68961918.88999999 (1) Commerce de gros Import-export | 1413 | 43839.71 | 0 | 877952.76 | 1528065.23 | 176478 | 0 | 0 | 0 | 2627748.7 Produits pétroliers | 247985 | 0 | 0 | 3365.62 | 2466.71 | 5497 | 0 | 0 | 0 | 259314.33 Produits pharmaceutiques | 0 | 0 | 0 | 125966.09 | 86654.88 | 31040 | 0 | 0 | 0 | 243660.97 Produits alimentaires | 451644 | 5690.49 | 16301.62 | 1865807.93 | 656849.62 | 192600 | 0 | 71855.39 | 3995 | 3264744.0500000003 Matériaux de construction | 0 | 0 | 0 | 422208.66 | 592890.48 | 139708 | 0 | 0 | 15083 | 1169890.14 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 154965 | 66398.07 | 144064.54 | 790665.56 | 195176.03 | 13588 | 0 | 201543.95 | 11670 | 1578071.15 S-Total | 856007 | 115928.27 | 160366.16 | 4085966.62 | 3062102.9499999997 | 558911 | - | 273399.34 | 30748 | 9143429.34 (2) Commerce de détail Produits pétroliers | 30838 | 6285.23 | 0 | 113115.28 | 92514.6 | 44944 | 0 | 0 | 0 | 287697.11 Produits pharmaceutiques | 0 | 0 | 0 | 11339.75 | 0 | 12397 | 0 | 0 | 1925 | 25661.75 Véhicules automobiles | 19102 | 0 | 34004.93 | 887873.39 | 1397071.53 | 83238 | 0 | 30117.03 | 0 | 2451406.88 Produits alimentaires | 13496 | 176.88 | 21.89 | 684620.13 | 436580.32 | 137248 | 0 | 0 | 5110 | 1277253.22 Librairie ,papeterie | 1772 | 1813.6 | 0 | 43769.34 | 17543.59 | 8465 | 0 | 0 | 0 | 73363.53 Appareils électro- ménagers électroni.équip. inform. | 13518 | 0 | 6196.59 | 376273.31 | 103577.42 | 174131 | 0 | 0 | 0 | 673696.3200000001 Matériaux de construction | 0 | 0 | 0 | 175375.35 | 314069.95 | 113 | 0 | 61041.59 | 0 | 550599.89 Autres | 267280 | 380853.72 | 65209.52 | 507193.09 | 821804.42 | 101330 | 0 | 108717.58 | 2972 | 2255360.33 S-Total | 346006 | 389129.43 | 105432.93 | 2799559.64 | 3183161.83 | 561866 | - | 199876.2 | 10007 | 7595039.029999999 [Secteur d'activité juin 14 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 9.437528234997939e-05 | 0.004749371868658636 | 0 | 0 | 0 | 0 | 0.0014936694288380178 200 | Industrie alimentaire | 0.017585999957477894 | 0.0138935032006792 | 0.0031682833150895894 | 0.016863372359004137 | 0.04915045165604585 | 0.04291874297727294 | - | 0.24616931324282373 | 0.04872773306379201 | 0.0339268213190522 210 | Industrie des boissons | 0.0003934297729359629 | 0 | 0.007780758194898823 | 0.0302511272001567 | 0.05412995138246344 | 0.020126222321128984 | - | 0.1566376024224233 | 0.02156528619805644 | 0.03208510284537415 220 | Industrie du bois | 0.0014009228901714162 | 0 | 0 | 0.00011215542459840883 | 0 | 0 | - | 0 | 0 | 0.00023784720993862133 230 | Industrie chimique | 0 | 0 | 0 | 0.021687257183234967 | 0.0032889613811495477 | 0.013429579809754831 | - | 0 | 0 | 0.008901421826430852 240 | Industrie du textile | 0.02898021959859934 | 0 | 0 | 0.028334840647884454 | 0.011882351325286387 | 0.01856538913779355 | - | 0 | 0.0023123485352304195 | 0.018351982229768263 250 | Industrie pharmacie | 0 | 0 | 0 | 0 | 0.0008685541476425065 | 0 | - | 0 | 0 | 0.0002677500901541402 260 | Imprimerie, édition | 0.009954184436026494 | 0 | 0 | 0.008697221314234988 | 0.0065201011322527785 | 0.011215910656907453 | - | 0 | 0.0013303801013869042 | 0.007139291770365645 270 | Sidérurgie, aciérie | 0.04327978222263051 | 0 | 0 | 0.026578444019326297 | 0.019266214832760108 | 0.0118875581497585 | - | 0.09202993460406825 | 0.014111415100868593 | 0.023975929710386288 280 | Industrie de la fabrication | 0.007230162133582797 | 0 | 0.037274999786658936 | 0.03720559683259623 | 0.025215059636371547 | 0.012011812634058745 | - | 0 | 0.0026331367713317492 | 0.022261477271952986 290 | Autres industries | 0 | 0 | 0.016773754014614294 | 0.003583446473432537 | 0.0055832644628166245 | 0.008083407813603878 | - | 0 | 0.00044791542596370876 | 0.003806841286112594 300 | Production et distribution de l'électricité | 0.18911215446275526 | 0 | 0.16005982691767018 | 0.04113188106248056 | 0.004405853627120303 | 0.00034691178738998973 | - | 0.05109238257034743 | 0 | 0.045485150362526414 400 | Production et distribution de gaz | 0 | 0.0011136346676661885 | 0.004185431020224584 | 7.730492621925173e-05 | 0.07756731943128255 | 0.016727220457776425 | - | 0.0002991478988138191 | 0 | 0.025364736192885252 500 | Traitement et distribution de l'eau | 0 | 0.002906401899440386 | 0 | 0.012049582168247268 | 0.002658821668058253 | 7.135279228019723e-08 | - | 0 | 0 | 0.004676262714127618 600 | Entrep/ batiment et corps/ métiers corresp. | 0 | 0.1283154476029838 | 0.01644247110675539 | 0.10486905897733194 | 0.03234903310587253 | 0.04086027163631132 | - | 0.010311244564491121 | 0.13984139397933945 | 0.05641999516002739 700 | Commerce de gros(1) | 0.08584731916170475 | 0.07440336362904064 | 0.1318407976150656 | 0.18832223274472973 | 0.14404968108893995 | 0.10225610009703413 | - | 0.2042679414809658 | 0.009132662866118139 | 0.13258664734350753 800 | Commerce de détail(2) | 0.03470024522418577 | 0.24974528196661017 | 0.08667888704004262 | 0.12903172474365673 | 0.1497446207576203 | 0.10279659200988028 | - | 0.14933576076548033 | 0.002972340628394452 | 0.11013380445684409 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0013984156904968308 | 0.001794140694848961 | 0.0037470582980473786 | 0.0005243056390440837 | 0.0009709845163151024 | 0.003082089351219449 | - | 0 | 0.001664237487847918 | 0.0010986134263585023 1000 | Hotels,motels et pensions | 0.016150377423810213 | 0 | 0.013763721262691674 | 0.04807611733052312 | 0.004240863484691397 | 0.10256307078677619 | 0.034622401810537995 | 0 | 0 | 0.028691769339482778 1100 | Transport | 0.0034688611817695696 | 0.03097561003630031 | 0.05053044316126303 | 0.0015947101163461541 | 0.020321905428573716 | 0.005957519061290129 | - | 0.0036226265880357246 | 0 | 0.00940105757547316 1200 | Immobilier résidentiel | 0.09386915466453467 | 0.1564590217054852 | 0.05495423246388669 | 0.007887149792503177 | 0.04384910721440116 | 0.10935245546208562 | 0.5626762221041732 | 0 | 0.24135423724131622 | 0.07974711983830068 1300 | Immobilier commercial | 0.049695906765868866 | 0.06313782157062652 | 0.08749316753666248 | 0.027071192291037313 | 0.19426690331486626 | 0.00047397098529448043 | 0.32059367122043825 | 0 | 0.009348600873197459 | 0.09341937149800214 1400 | Télécommunications | 0.0517373690289034 | 0 | 0.007886384629288621 | 0.00591127946105033 | 0.037084561710536534 | 0.0003864997801940643 | - | 0.027569371433175525 | 0.10942264949103085 | 0.02681855043723538 1500 | Services financiers | 0.0005164831329646212 | 0.03295775472109801 | 0.001237534366614391 | 0.06886166822153075 | 0.03499762345070316 | 0.14536177275361095 | - | 0.007132860712676853 | 0.18976762753634338 | 0.05421814459606318 1510 | Services professionnels | 0.04033292001310965 | 0.014155635688354632 | 0.06612160532646616 | 0.012994996997422667 | 0.007177571730298723 | 0.02438523390115843 | 0.0021825812902328276 | 0.0002678202647638592 | 0.006905560834370202 | 0.01599169291908896 1520 | Services médicaux | 0.021154346822335017 | 0.00018121369119594063 | 0 | 0.0002866692468375299 | 0.001906393909339808 | 0.002575654674996255 | - | 0 | 0.00036890647151652933 | 0.0039628082338588775 1530 | Services d'agence ou de représentation | 0.00011934270451027169 | 0 | 0.0035127037573627943 | 0.006500254450718346 | 0.0015255538479666776 | 0 | - | 0 | 0.00029078859550296475 | 0.002608754989648172 1540 | Services d'enseignement | 0.002333801745091204 | 0 | 0.0026530420404883024 | 0.006859882336054395 | 0.0003952177307742966 | 0.0019485843817325648 | - | 0 | 0.002092549188272101 | 0.0029209095866560802 1550 | Autres services | 0.04017145635406634 | 0.023613867209726264 | 0.004458893978436586 | 0.06189716064632665 | 0.007001885012047951 | 0.1455788846640494 | - | 0.03750014177005869 | 0.010144036888270943 | 0.04081425800360296 1560 | Crédit à la consommation | 0.26056714461246916 | 0.2063473017159438 | 0.2394360041677718 | 0.10264499211112138 | 0.05483181714514397 | 0.057108204410989 | 0.07992512357461758 | 0.01376385168187555 | 0.18556619272184957 | 0.11319221833793729 Total | 1 | 1 | 0.9999999999999999 | 0.9999999999999998 | 1.0000000000000002 | 0.9999997310548598 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.0001417069256075747 | 0.028136552753885564 | 0 | 0.040464849418568635 | 0.07188435919365614 | 0.032287687374422176 | - | 0 | 0 | 0.03810434428588738 Produits pétroliers | 0.024869916452083803 | 0 | 0 | 0.00015512145152334045 | 0.00011604077115646663 | 0.001005708459395498 | - | 0 | 0 | 0.0037602539803689044 Produits pharmaceutiques | 0 | 0 | 0 | 0.0058057780508553375 | 0.004076482075181549 | 0.005678950441993133 | - | 0 | 0 | 0.0035332684171485943 Produits alimentaires | 0.045294467593140465 | 0.003652185930984905 | 0.01340194579216529 | 0.08599510175401834 | 0.030899998961625836 | 0.035237302033758945 | - | 0.05368612836721074 | 0.0011866194474303823 | 0.04734125880701695 Matériaux de construction | 0 | 0 | 0 | 0.019459600366329096 | 0.02789118644288451 | 0.025560399753543066 | - | 0 | 0.004480045338070703 | 0.016964292160519378 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.015541127902885928 | 0.042614624944170176 | 0.1184388518229003 | 0.03644178170343498 | 0.009181613174008159 | 0.002486004465393128 | - | 0.15058180564234225 | 0.003466295106761592 | 0.022883225632354502 S-Total | 0.08584721887371777 | 0.07440336362904065 | 0.1318407976150656 | 0.18832223274472973 | 0.14404968061851264 | 0.10225605252850595 | - | 0.20426793400955298 | 0.009132959892262676 | 0.1325866432832957 (2) Commerce de détail Produits pétroliers | 0.0030926809425947553 | 0.004033893140837477 | 0 | 0.005213484119736953 | 0.004352139297782085 | 0.008222768964720985 | - | 0 | 0 | 0.004171825764577417 Produits pharmaceutiques | 0 | 0 | 0 | 0.0005226491641693952 | 0 | 0.0022681040151220646 | - | 0 | 0.0005717753282361667 | 0.00037211479049665993 Véhicules automobiles | 0.0019157011273573193 | 0 | 0.027956253950611975 | 0.04092209133109173 | 0.06572205800517479 | 0.015228881343125788 | - | 0.022501676472970737 | 0 | 0.03554725447692658 Produits alimentaires | 0.0013534866723282578 | 0.00011352249937573215 | 0 | 0.0315541470242327 | 0.020537929876044192 | 0.025110328294544897 | - | 0 | 0.0015178035985905516 | 0.018521138050658442 Librairie ,papeterie | 0.00017771031293462307 | 0.0011639778656028258 | 0 | 0.0020173292151278535 | 0.0008252983579151486 | 0.001548721504235563 | - | 0 | 0 | 0.0010638266913225102 Appareils électro- ménagers électroni.équip. inform. | 0.0013556930080418932 | 0 | 0.005094362601770468 | 0.01734243973374649 | 0.004872564545973069 | 0.0318582899295975 | - | 0 | 0 | 0.009769106353821186 Matériaux de construction | 0 | 0 | 0 | 0.008083051221888944 | 0.01477470768557022 | 0 | - | 0.045606691947238015 | 0 | 0.007984114984941948 Autres | 0.026804973160928922 | 0.2444338884607941 | 0.05361028242426938 | 0.023376533394562745 | 0.03865992298916078 | 0.018538919081416375 | - | 0.08122739234527157 | 0.0008827617015677337 | 0.03270443117450789 S-Total | 0.03470024522418577 | 0.24974528196661014 | 0.08666089897665183 | 0.1290317252045568 | 0.1497446207576203 | 0.10277601313276317 | - | 0.14933576076548033 | 0.002972340628394452 | 0.11013381228725264 [Secteur d'activité juin 14g ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2014 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1202014 | 505057.7 | 265799.08 | 6885526.25 | 6245264.79 | 1120776.74 | 0 | 473275.55 | 40754 | 16738468.110000001 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1218263 | 113278.32 | 116155.97 | 4469538.31 | 1237515.22 | 2325671.61 | 113774.51 | 60096.83 | 711162 | 10365455.77 Industries Manufacturières ( 200 à 290 ) | 1085122 | 21647.54 | 79060.86 | 3760326.16 | 3739258.1599999997 | 755585.96 | 0 | 662306.9299999999 | 306802 | 10410109.61 Prêts aux Particuliers ( 1560 ) | 2598189 | 321510.81 | 291240.9 | 2227055.22 | 1165574.74 | 312141.95 | 247070.94 | 18422.02 | 624747 | 7805952.58 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1431528 | 342154.99 | 173267.63 | 758479.8500000001 | 5061696.32 | 600289.14 | 2730434.6 | 0 | 844043 | 11941893.530000001 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 550477 | 48263.26 | 71056.02 | 162855.03 | 1220304.77 | 34675.13 | 0 | 41748.46 | 368394 | 2497773.67 Bâtiments et Travaux Publics ( 600 ) | 0 | 199928.97 | 20000 | 2275310.08 | 687652.13 | 223334.02 | 0 | 13800.93 | 470805 | 3890831.1300000004 Électricité, Gaz et Eau ( 300 à 500 ) | 1885691 | 6263.639999999999 | 199781.72 | 1155538.28 | 1799045.16 | 93324.15999999999 | 0 | 68784.22 | 0 | 5208428.18 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 2047.63 | 100958.68 | 0 | 0 | 0 | 0 | 103006.31 Total | 9971284 | 1558105.23 | 1216362.1800000002 | 21696676.81 | 21257269.97 | 5465798.709999999 | 3091280.0500000003 | 1338434.94 | 3366707 | 68961918.89000002 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.12054756438589052 | 0.3241486455956508 | 0.2185196846551082 | 0.31735395748838646 | 0.29379430184656025 | 0.20505269210691446 | 0 | 0.35360370224644616 | 0.01210500349451259 | 0.24272045180035154 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.12217714388638413 | 0.07270261200522381 | 0.09549455903010728 | 0.20600105486845752 | 0.058216093682137114 | 0.4254952905135433 | 0.03680498310077082 | 0.04490082274749941 | 0.21123370700212404 | 0.15030695109475944 Industries Manufacturières ( 200 à 290 ) | 0.10882470101142441 | 0.0138935032006792 | 0.06499779531126164 | 0.17331346145446871 | 0.17590490995678876 | 0.13823889244541904 | 0 | 0.4948368502693153 | 0.09112821519662982 | 0.15095446555953568 Prêts aux Particuliers ( 1560 ) | 0.26056714461246916 | 0.2063473017159438 | 0.2394360041677718 | 0.10264499211112138 | 0.05483181714514397 | 0.057108204410989016 | 0.07992512357461758 | 0.01376385168187555 | 0.18556619272184957 | 0.11319221833793723 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.14356506143040354 | 0.2195968432761117 | 0.14244740000054917 | 0.0349583420835405 | 0.23811601052926745 | 0.10982642644738011 | 0.8832698933246116 | 0 | 0.25070283811451366 | 0.17316649133630277 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05520623021067297 | 0.03097561003630031 | 0.058416827790551656 | 0.007505989577396485 | 0.05740646713911025 | 0.006344018841484194 | 0 | 0.031191998021211254 | 0.10942264949103085 | 0.03621960801270852 Bâtiments et Travaux Publics ( 600 ) | 0 | 0.1283154476029838 | 0.01644247110675539 | 0.10486905897733194 | 0.03234903310587253 | 0.04086027163631133 | 0 | 0.010311244564491121 | 0.13984139397933945 | 0.05641999516002736 Électricité, Gaz et Eau ( 300 à 500 ) | 0.18911215446275526 | 0.004020036567106575 | 0.16424525793789477 | 0.05325876815694708 | 0.0846319947264611 | 0.017074203597958696 | 0 | 0.05139153046916125 | 0 | 0.07552614926953925 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 9.437528234997939e-05 | 0.004749371868658636 | 0 | 0 | 0 | 0 | 0.0014936694288380174 Total | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 [Secteur d'activité mars 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 2532.02 | 105837.15 | 0 | 0 | 0 | 0 | 108369.17 200 | Industrie alimentaire | 174753 | 21753.16 | 18489.38 | 359734.74 | 1073693.77 | 253118.9 | 0 | 366720.2 | 168820 | 2437083.15 210 | Industrie des boissons | 3927 | 0 | 9464.22 | 688840.96 | 1144715.91 | 110012.93 | 0 | 347370.5 | 75167 | 2379498.5199999996 220 | Industrie du bois | 4948 | 0 | 8820.91 | 2850.04 | 0 | 1.19 | 0 | 0 | 0 | 16620.14 230 | Industrie chimique | 0 | 0 | 487.47 | 523138.59 | 96015.57 | 68607 | 0 | 0 | 0 | 688248.63 240 | Industrie du textile | 213999 | 0 | 0 | 623348.23 | 241025.69 | 35654.43 | 0 | 0 | 7950 | 1121977.3499999999 250 | Industrie pharmacie | 0 | 0 | 9511.73 | 0 | 65367.38 | 179.95 | 0 | 0 | 0 | 75059.06 260 | Imprimerie, édition | 57170 | 0 | 3999.91 | 140128.16 | 116931.44 | 47241.67 | 0 | 0 | 4536 | 370007.18 270 | Sidérurgie, aciérie | 458122 | 0 | 17019.96 | 611370.78 | 460121.69 | 64975 | 0 | 193045.29 | 49614 | 1854268.72 280 | Industrie de la fabrication | 73993 | 0 | 0 | 790967.15 | 542941.86 | 86402.12 | 0 | 0 | 12783 | 1507087.13 290 | Autres industries | 0 | 0 | 0 | 81731.11 | 118528.21 | 38579.96 | 0 | 0 | 2387 | 241226.28 300 | Production et distribution de l'électricité | 2207081 | 0 | 368512.18 | 897062.67 | 3585.99 | 2063.53 | 0 | 362.08 | 0 | 3478667.45 400 | Production et distribution de gaz | 0 | 1965.3 | 6127.89 | 811.36 | 2489695.82 | 91949.16 | 0 | 1125.18 | 0 | 2591674.71 500 | Traitement et distribution de l'eau | 0 | 4186.25 | 0 | 262285.64 | 61242.18 | 0 | 0 | 0 | 0 | 327714.07 600 | Entrep/ batiment et corps/ métiers corresp. | 0 | 202076 | 129634.45 | 2446875.08 | 639500.69 | 282868.75 | 0 | 0 | 455863 | 4156817.97 700 | Commerce de gros(1) | 935690 | 129686.48 | 259655.25 | 3943135.1 | 3135128.29 | 559132.5 | 0 | 307979.2 | 20847 | 9291253.82 800 | Commerce de détail(2) | 311249 | 405901.83 | 123269.38 | 2767818.27 | 3133645.17 | 574643.07 | 0 | 182194.7 | 9824 | 7508545.420000001 900 | Rest/débits/boissons, casinos/activités/loterie | 7649 | 2792.01 | 5108.06 | 11691.88 | 22896.44 | 15316.66 | 0 | 0 | 5641 | 71095.05 1000 | Hotels,motels et pensions | 153202 | 0 | 18882.74 | 1056366.4 | 56635.13 | 559558.31 | 0 | 0 | 0 | 1844644.5799999998 1100 | Transport | 33933 | 48470.9 | 69188.78 | 34089.87 | 409860.72 | 28820.84 | 0 | 4963.32 | 0 | 629327.4299999999 1200 | Immobilier résidentiel / Avance Hypothécaire | 869208 | 189850.58 | 66854.53 | 178457.55 | 929993.53 | 585314.44 | 1645143.52 | 0 | 812137 | 5276959.15 1300 | Immobilier commercial | 468197 | 97936.57 | 114213.47 | 900045.86 | 3853906.06 | 3133.02 | 1064749.53 | 963.26 | 42815 | 6545959.77 1400 | Télécommunications | 542564 | 0 | 8197.99 | 136136.02 | 844196.86 | 4074.94 | 0 | 62506.01 | 363245 | 1960920.82 1500 | Services financiers | 8493 | 25282.49 | 8840.21 | 1402910.68 | 765117.27 | 669708.78 | 0 | 11898.79 | 473163 | 3365414.2199999997 1510 | Services professionnels | 338333 | 23890.68 | 68083.18 | 179492.06 | 136553.76 | 137764.47 | 0 | 762.99 | 27342 | 912222.1399999999 1520 | Services médicaux | 253747 | 300.91 | 0 | 6471.14 | 40884.01 | 15755.38 | 0 | 0 | 1332 | 318490.44 1530 | Services d'agence ou de représentation | 1778 | 0 | 4310.86 | 136074.52 | 31972.92 | 55.66 | 0 | 1239.06 | 1025 | 176456.02 1540 | Services d'enseignement | 25160 | 0 | 5353.79 | 148456.7 | 7732.17 | 11118.63 | 0 | 0 | 5808 | 203629.29000000004 1550 | Autres services | 209898 | 36813.36 | 1571.65 | 1226710.59 | 139130.52 | 448818.59 | 0 | 46900.72 | 22501 | 2132344.43 1560 | Crédit à la consommation | 2601464 | 374009.55 | 259767.63 | 2234299.89 | 1184838 | 269084.66 | 253560.26 | 22978.81 | 617342 | 7817344.8 Total | 9954558 | 1564916.07 | 1585365.62 | 21793833.06 | 21851694.200000007 | 4963954.539999999 | 2963453.3099999996 | 1551010.11 | 3180142 | 69408926.90999998 (1) Commerce de gros Import-export | 2255 | 45618.32 | 120923.07 | 793915.62 | 1357676.34 | 179046 | 0 | 0 | 4404 | 2503838.35 Produits pétroliers | 396024 | 0 | 0 | 135295.42 | 38403.14 | 5273 | 0 | 0 | 0 | 574995.56 Produits pharmaceutiques | 0 | 0 | 0 | 120997.87 | 90309.45 | 31203 | 0 | 0 | 0 | 242510.32 Produits alimentaires | 472462 | 16421.86 | 51106.64 | 1775401.72 | 649563.27 | 229806 | 0 | 112290.95 | 3411 | 3310463.44 Matériaux de construction | 0 | 0 | 0 | 0 | 625849.12 | 99431 | 0 | 0 | 0 | 725280.12 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 64950 | 67646.3 | 87625.54 | 1117524.47 | 373326.96 | 14373 | 0 | 195688.25 | 13032 | 1934166.52 S-Total | 935691 | 129686.48000000001 | 259655.25 | 3943135.0999999996 | 3135128.2800000003 | 559132 | - | 307979.2 | 20847 | 9291254.31 (2) Commerce de détail Produits pétroliers | 27397 | 6556.48 | 822.42 | 147107.45 | 87080.24 | 33911 | 0 | 30329.42 | 0 | 333204.01 Produits pharmaceutiques | 0 | 0 | 0 | 11635.18 | 13796.9 | 19704 | 0 | 0 | 1697 | 46833.08 Véhicules automobiles | 17731 | 0 | 0 | 848425.1 | 1219219.99 | 83261 | 0 | 5871.77 | 0 | 2174508.86 Produits alimentaires | 13105 | 176.88 | 36829.92 | 667629.58 | 571416.2 | 161709 | 0 | 0 | 5350 | 1456216.58 Librairie ,papeterie | 1800 | 1788.25 | 0 | 59160.42 | 18301.19 | 8235 | 0 | 0 | 0 | 89284.86 Appareils électro- ménagers électroni.équip. inform. | 13328 | 0 | 6136.44 | 366204.2 | 155242.65 | 174159 | 0 | 3135.23 | 0 | 718205.52 Matériaux de construction | 0 | 0 | 0 | 0 | 305851.45 | 761 | 0 | 37723.06 | 0 | 344335.51 Autres | 237887 | 397380.22 | 79480.6 | 667656.35 | 762736.55 | 92902 | 0 | 105135.22 | 2777 | 2345954.94 S-Total | 311248 | 405901.82999999996 | 123269.38 | 2767818.2800000003 | 3133645.17 | 574642 | - | 182194.7 | 9824 | 7508543.359999999 [Secteur d'activité mars 14 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 0.00011618057241372666 | 0.004843429943294738 | 0 | 0 | 0 | 0 | 0.001561314586242175 200 | Industrie alimentaire | 0.017555073766208403 | 0.013900528224494493 | 0.011662533718878047 | 0.016506262987773846 | 0.04913549311888136 | 0.05099138156087949 | - | 0.23643959354978028 | 0.053085679821844436 | 0.035111955457258065 210 | Industrie des boissons | 0.0003944926535161079 | 0 | 0.00596973964907855 | 0.031607150431205516 | 0.05238568229643263 | 0.022162356466705276 | - | 0.2239640462433865 | 0.023636365923282672 | 0.03428231246227749 220 | Industrie du bois | 0.0004970587343004079 | 0 | 0.005563959435426636 | 0.00013077277375455864 | 0 | 0 | - | 0 | 0 | 0.00023945248457090724 230 | Industrie chimique | 0 | 0 | 0.00030748112224106386 | 0.024003973443302132 | 0.0043939645649992655 | 0.013821037128192559 | - | 0 | 0 | 0.009915851759132177 240 | Industrie du textile | 0.02149758934550384 | 0 | 0 | 0.028602046656220466 | 0.011030068780662322 | 0.007182666503629988 | - | 0 | 0.0024998883697646204 | 0.01616474133730416 250 | Industrie pharmacie | 0 | 0 | 0.005999707499649197 | 0 | 0.0029914101580279288 | 0 | - | 0 | 0 | 0.0010814035505451098 260 | Imprimerie, édition | 0.00574309778495439 | 0 | 0.0025230205257005633 | 0.006429716131816604 | 0.005351138402806313 | 0.009516942514143171 | - | 0 | 0.0014263514019185308 | 0.005330829858236748 270 | Sidérurgie, aciérie | 0.046021330128369335 | 0 | 0.010735668659195471 | 0.02805246687523264 | 0.021056568236251443 | 0.013089362417891928 | - | 0.12446423705129814 | 0.015601190135534829 | 0.026715133089499604 280 | Industrie de la fabrication | 0.0074330773902768965 | 0 | 0 | 0.03629316365883919 | 0.02484667115650922 | 0.017405904768821676 | - | 0 | 0.0040196318277611505 | 0.021713159921838074 290 | Autres industries | 0 | 0 | 0 | 0.003750194368057622 | 0.005424211455421153 | 0.0077720212159718945 | - | 0 | 0.0007505954136639182 | 0.00347543595239254 300 | Production et distribution de l'électricité | 0.22171562012095364 | 0 | 0.23244617856668293 | 0.04116130776675776 | 0.00016410581107253455 | 0.0004157028400183537 | - | 0.00023344786579115203 | 0 | 0.05011844448352675 400 | Production et distribution de gaz | 0 | 0.001255850098082257 | 0.0038652850312220093 | 0 | 0.11393605444103273 | 0.018523368668883905 | - | 0.0007254498167004211 | 0 | 0.037339213057717056 500 | Traitement et distribution de l'eau | 0 | 0.0026750635898320093 | 0 | 0.012034855882299762 | 0.0028026284570648982 | 0 | - | 0 | 0 | 0.004721497429645251 600 | Entrep/ batiment et corps/ métiers corresp. | 0 | 0.12912896983670186 | 0.08176943435924894 | 0.11227373694492272 | 0.029265496951719185 | 0.056984556913367714 | - | 0 | 0.143346743635976 | 0.059888809048870534 700 | Commerce de gros(1) | 0.09399613724687726 | 0.08287120471579028 | 0.16378256644672287 | 0.1809289393538192 | 0.14347300769017712 | 0.1126385214639778 | - | 0.19856685524764245 | 0.0065553676533940935 | 0.13386251932763102 800 | Commerce de détail(2) | 0.03126698342608481 | 0.2593761018761856 | 0.07775454345982348 | 0.12700006751359416 | 0.14340513560728846 | 0.11576316127987749 | - | 0.1174684154702254 | 0.003089170232021086 | 0.1081783821515647 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0007683917256798343 | 0.0017841276305635995 | 0.003222007551797421 | 0.0005364765329628527 | 0.001047810745951222 | 0.003085576202718408 | - | 0 | 0.0017738201627474496 | 0.001024292597005373 1000 | Hotels,motels et pensions | 0.0153901358553539 | 0 | 0.011910653140062417 | 0.048470886103043315 | 0.0025917958343019453 | 0.11272430186276447 | - | 0 | 0 | 0.026576474556246676 1100 | Transport | 0.003408790224538347 | 0.030973482175309246 | 0.043642159970644495 | 0.001564197996109639 | 0.01875647335390589 | 0.005806024162340537 | - | 0.0032000565102699424 | 0 | 0.009066952307388729 1200 | Immobilier résidentiel | 0.08731758858605274 | 0.12131678090570057 | 0.042169786676716246 | 0.0081884425520143 | 0.042559332996706487 | 0.11791293318330834 | 0.5551440660288318 | 0 | 0.2553775900572993 | 0.07602709600801696 1300 | Immobilier commercial | 0.047033429309468085 | 0.06258263422395553 | 0.07204235323331913 | 0.04129819006698402 | 0.17636646498558445 | 0.000631154047595287 | 0.35929350612917205 | 0.0006210533340753014 | 0.013463235289493362 | 0.09431005580143756 1400 | Télécommunications | 0.05450407742865128 | 0 | 0.005171040608285677 | 0.006246538625179319 | 0.03863301638186021 | 0.0008209059867820629 | - | 0.040300195077387344 | 0.11422288690253454 | 0.028251709215194386 1500 | Services financiers | 0.0008531770069550049 | 0.016155812113297554 | 0.00557613328337472 | 0.06437191090423082 | 0.03501409378134167 | 0.13491436607717205 | - | 0.0076716392261298675 | 0.14878675228967764 | 0.0484867634441865 1510 | Services professionnels | 0.03398774712046482 | 0.015266428952959758 | 0.04294478140632316 | 0.008235910567262096 | 0.006249115457601451 | 0.027752967697403617 | - | 0.0004919310293857466 | 0.0085977292837867 | 0.013142720693302823 1520 | Services médicaux | 0.025490534084989008 | 0.00019228507251510302 | 0 | 0.0002969252807518753 | 0.0018709766677953963 | 0.0031739573505441495 | - | 0 | 0.0004188492211982987 | 0.004588609191624226 1530 | Services d'agence ou de représentation | 0.00017861164704650875 | 0 | 0.002719158246915938 | 0.00624371672598285 | 0.0014631780816335965 | 0 | - | 0.0007988729357798962 | 0.00032231265144763976 | 0.00254226693677031 1540 | Services d'enseignement | 0.0025274853991508212 | 0 | 0.0033770064977188033 | 0.00681186735675583 | 0.0003538476206572577 | 0.002239873453796779 | - | 0 | 0.00182633354108087 | 0.0029337622560285177 1550 | Autres services | 0.021085617261961807 | 0.023524175325262013 | 0.0009913486076479948 | 0.05628705086538825 | 0.006367035833770726 | 0.09041553188760672 | - | 0.030238822879110696 | 0.007075470214852041 | 0.030721472365722254 1560 | Crédit à la consommation | 0.26133395375264273 | 0.2389965552593501 | 0.16385345230332418 | 0.10251982218312909 | 0.05422179118724806 | 0.05420772044378956 | 0.08556242784199629 | 0.01481538376303685 | 0.1941240359707208 | 0.11262736866882361 Total | 0.9999999999999998 | 0.9999999999999998 | 0.9999999999999999 | 0.9999627711198041 | 0.9999999999999993 | 0.9999522960981834 | 1 | 1 | 1 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.0002265293948761964 | 0.029150649593623252 | 0.076274563087851 | 0.03642845284784429 | 0.0621313994042622 | 0.036069226371279385 | - | 0 | 0.00138484382143942 | 0.03607372223527725 Produits pétroliers | 0.039783182739002575 | 0 | 0 | 0.006207968081040262 | 0.0017574445097259318 | 0.0010622579150372318 | - | 0 | 0 | 0.00828417302497092 Produits pharmaceutiques | 0 | 0 | 0 | 0.005551931579308886 | 0.0041328351556374964 | 0.0062859157449093005 | - | 0 | 0 | 0.00349393559007841 Produits alimentaires | 0.04746187625809202 | 0.010493764052151373 | 0.032236500751164264 | 0.08146349084680013 | 0.029725991223142772 | 0.04629494451413732 | - | 0.07239859319808044 | 0.0010725936137442919 | 0.04769506729721606 Matériaux de construction | 0 | 0 | 0 | 0 | 0.02864075958009699 | 0.020030602455920157 | - | 0 | 0 | 0.010449378088505016 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.006524649311400868 | 0.04322679107001566 | 0.05527150260770761 | 0.05127709599882564 | 0.017084577359681333 | 0.0028954737365503758 | - | 0.126168262049562 | 0.004097930218210382 | 0.027866250151193997 S-Total | 0.09399623770337166 | 0.08287120471579029 | 0.16378256644672287 | 0.1809289393538192 | 0.14347300723254672 | 0.11263842073783377 | - | 0.19856685524764245 | 0.0065553676533940935 | 0.13386252638724166 (2) Commerce de détail Produits pétroliers | 0.002752206577127784 | 0.004189668778850229 | 0.0005187573072260769 | 0.00674995764145768 | 0.0039850566826987715 | 0.00683144854102552 | - | 0.019554624308670686 | 0 | 0.004800593019281993 Produits pharmaceutiques | 0 | 0 | 0 | 0.0005338748795573274 | 0.0006313881145197426 | 0.003969415884296153 | - | 0 | 0.000533623970250385 | 0.0006747414501988591 Véhicules automobiles | 0.0017811941022393963 | 0 | 0 | 0.038929595251290784 | 0.055795215640533705 | 0.016773118957692956 | - | 0.0037857715833973515 | 0 | 0.0313289508541114 Produits alimentaires | 0.0013164823591363876 | 0.00011302842586311992 | 0.023231183731611385 | 0.03063387602180706 | 0.026149743574573718 | 0.032576648052864726 | - | 0 | 0.0016823148148730465 | 0.020980249152795907 Librairie ,papeterie | 0.0001808216899233497 | 0.0011427130401951843 | 0 | 0.0027145486448908315 | 0.0008375181270841687 | 0.0016589595923253563 | - | 0 | 0 | 0.0012863598959795533 Appareils électro- ménagers électroni.équip. inform. | 0.0013388841573880026 | 0 | 0.0038706781089399424 | 0.01680311118249889 | 0.007104375916078852 | 0.035084729039440404 | - | 0.0020214117108495184 | 0 | 0.010347451718008417 Matériaux de construction | 0 | 0 | 0 | 0 | 0.013996692759868474 | 0.00015330519122763766 | - | 0.02432160806482428 | 0 | 0.004960968643795448 Autres | 0.023897294083775493 | 0.253930691631277 | 0.05013392431204607 | 0.03063510435093697 | 0.03490514479193105 | 0.018715320467056498 | - | 0.06778499980248355 | 0.0008732314468976542 | 0.03379903773821361 S-Total | 0.03126688296959042 | 0.25937610187618554 | 0.07775454345982348 | 0.12700006797243954 | 0.14340513560728846 | 0.11576294572592925 | - | 0.11746841547022538 | 0.0030891702320210855 | 0.10817835247238519 [Secteur d'activité mars 14g ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2014 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1246939 | 535588.31 | 382924.63 | 6710953.37 | 6268773.46 | 1133775.5699999998 | 0 | 490173.9 | 30671 | 16799799.240000002 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 998260 | 89079.45 | 112150.48999999998 | 4168173.9699999997 | 1200922.22 | 1858096.48 | 0 | 60801.56 | 536812 | 9024296.17 Industries Manufacturières ( 200 à 290 ) | 986912 | 21753.16 | 67793.57999999999 | 3822109.76 | 3859341.519999999 | 704773.1499999999 | 0 | 907135.99 | 321257 | 10691076.16 Prêts aux Particuliers ( 1560 ) | 2601464 | 374009.55 | 259767.63 | 2234299.89 | 1184838 | 269084.66 | 253560.26 | 22978.81 | 617342 | 7817344.8 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1337405 | 287787.15 | 181068 | 1078503.41 | 4783899.59 | 588447.46 | 2709893.05 | 963.26 | 854952 | 11822918.92 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 576497 | 48470.9 | 77386.77 | 170225.88999999998 | 1254057.58 | 32895.78 | 0 | 67469.33 | 363245 | 2590248.25 Bâtiments et Travaux Publics ( 600 ) | 0 | 202076 | 129634.45 | 2446875.08 | 639500.69 | 282868.75 | 0 | 0 | 455863 | 4156817.97 Électricité, Gaz et Eau ( 300 à 500 ) | 2207081 | 6151.55 | 374640.07 | 1160159.67 | 2554523.99 | 94012.69 | 0 | 1487.26 | 0 | 6398056.2299999995 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 2532.02 | 105837.15 | 0 | 0 | 0 | 0 | 108369.17 Total | 9954558 | 1564916.07 | 1585365.6199999999 | 21793833.06 | 21851694.199999996 | 4963954.540000001 | 2963453.3099999996 | 1551010.11 | 3180142 | 69408926.91000001 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.12526312067296208 | 0.3422473065919759 | 0.24153710990654637 | 0.30792900686741337 | 0.28687814329746575 | 0.2284016827438552 | 0 | 0.31603527071786786 | 0.00964453788541518 | 0.2420409014791956 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1002817001016017 | 0.05692282909459802 | 0.07074108873384045 | 0.19125474433637787 | 0.05495785402305329 | 0.37431778736636045 | 0 | 0.0392012660704062 | 0.16880126736479062 | 0.13001636204088662 Industries Manufacturières ( 200 à 290 ) | 0.09914171980312939 | 0.013900528224494493 | 0.042762110610169525 | 0.17537574732620256 | 0.17661520816999168 | 0.14197816364369842 | 0 | 0.5848678768444648 | 0.10101970289377016 | 0.15403027587305482 Prêts aux Particuliers ( 1560 ) | 0.26133395375264273 | 0.2389965552593501 | 0.1638534523033242 | 0.10251982218312909 | 0.05422179118724809 | 0.05420772044378954 | 0.08556242784199629 | 0.01481538376303685 | 0.1941240359707208 | 0.11262736866882356 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.1343510178955208 | 0.18389941512965613 | 0.1142121399100354 | 0.04948663261899832 | 0.21892579798229103 | 0.11854408723090358 | 0.9144375721580038 | 0.0006210533340753014 | 0.2688408253467927 | 0.17033715180945444 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05791286765318963 | 0.030973482175309246 | 0.04881320057893018 | 0.007810736621288958 | 0.05738948973576613 | 0.006626930149122597 | 0 | 0.04350025158765728 | 0.11422288690253454 | 0.0373186615225831 Bâtiments et Travaux Publics ( 600 ) | 0 | 0.12912896983670186 | 0.08176943435924895 | 0.11227373694492272 | 0.0292654969517192 | 0.05698455691336769 | 0 | 0 | 0.143346743635976 | 0.059888809048870506 Électricité, Gaz et Eau ( 300 à 500 ) | 0.22171562012095364 | 0.003930913687914266 | 0.23631146359790497 | 0.05323339252925341 | 0.11690278870917023 | 0.018939071508902252 | 0 | 0.0009588976824915731 | 0 | 0.09217915497088901 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 0.00011618057241372666 | 0.004843429943294741 | 0 | 0 | 0 | 0 | 0.0015613145862421744 Total | 1 | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 | 0.9999999999999998 | 1 | 0.9999999999999998 | 1 | 0.9999999999999998 [Secteur d'activité déc. 13 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DÉCEMBRE 2013 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 2337.11 | 105841.22 | 0 | 0 | 0 | 0 | 108178.33 200 | Industrie alimentaire | 138568 | 21966.42 | 4225.95 | 296603.87 | 1086374.63 | 199451.56 | 0 | 363000.18 | 154449 | 2264639.61 210 | Industrie des boissons | 3840 | 0 | 9464.22 | 664886.27 | 1037245.67 | 110000.66 | 0 | 318271.72 | 77729 | 2221437.54 220 | Industrie du bois | 6723 | 0 | 10206.39 | 2975.48 | 0 | 0.13 | 0 | 0 | 0 | 19905 230 | Industrie chimique | 0 | 0 | 0 | 553729.18 | 90063.31 | 67416.02 | 0 | 0 | 0 | 711208.51 240 | Industrie du textile | 218286 | 0 | 0 | 589336.61 | 252938.44 | 65250.35 | 0 | 0 | 6510 | 1132321.4000000001 250 | Industrie pharmacie | 0 | 0 | 9102.35 | 0 | 61120.48 | 215.11 | 0 | 0 | 0 | 70437.94 260 | Imprimerie, édition | 13011 | 0 | 0 | 146228.9 | 53376.12 | 33209.67 | 0 | 0 | 4272 | 250097.69 270 | Sidérurgie, aciérie | 458554 | 23.68 | 17301.04 | 653387.58 | 47117.08 | 64975 | 0 | 168770.61 | 35731 | 1445859.9899999998 280 | Industrie de la fabrication | 75439 | 3293.31 | 0 | 664199.83 | 542140.56 | 88983.02 | 0 | 0 | 8484 | 1382539.72 290 | Autres industries | 0 | 0 | 0 | 49296.57 | 109349.41 | 43625.74 | 0 | 0 | 1289 | 203560.72 300 | Production et distribution de l'électricité | 2553161 | 0 | 389577.04 | 871975.87 | 90644.01 | 2166.29 | 0 | 66754.06 | 0 | 3974278.27 400 | Production et distribution de gaz | 0 | 8155.65 | 753.51 | 0 | 1736492.91 | 92211.32 | 0 | 1635.41 | 0 | 1839248.7999999998 500 | Traitement et distribution de l'eau | 0 | 5647.77 | 0 | 267259.81 | 59555.34 | 0.001 | 0 | 0 | 0 | 332462.92100000003 600 | Entrep/ batiment et corps/ métiers corresp. | 30949 | 172905.3 | 174540.89 | 1835512.96 | 883789.31 | 305966.39 | 0 | 0 | 438017 | 3841680.85 700 | Commerce de gros(1) | 964590 | 130518.81 | 151178.41 | 4121138.55 | 3050500.63 | 478462.32 | 0 | 449593.94 | 41247 | 9387229.659999998 800 | Commerce de détail(2) | 292858 | 422577.28 | 89004.88 | 2375882.06 | 2986472.21 | 569487.22 | 0 | 200621.13 | 14434 | 6951336.779999999 900 | Rest/débits/boissons, casinos/activités/loterie | 1497 | 2528.58 | 4596.03 | 11461.33 | 18938.12 | 14603.17 | 0 | 0 | 7020 | 60644.229999999996 1000 | Hotels,motels et pensions | 103193 | 0 | 5543.13 | 1021737.87 | 87527.57 | 556356.58 | 0 | 0 | 0 | 1774358.15 1100 | Transport | 38735 | 48275.11 | 55227.54 | 29793.11 | 385926.99 | 37218.26 | 0 | 4996.96 | 0 | 600172.97 1200 | Immobilier résidentiel / Avance Hypothécaire | 794273 | 195138.11 | 60240.26 | 185987.61 | 844864.93 | 626782.63 | 1538922.2 | 0 | 827601 | 5073809.74 1300 | Immobilier commercial | 414904 | 114267.17 | 109404.51 | 902493.58 | 3793965.71 | 4060.81 | 981326.08 | 12336.45 | 35442 | 6368200.31 1400 | Télécommunications | 564784 | 0 | 7402.01 | 126107.51 | 925022.03 | 4382.9 | 0 | 55945.02 | 359574 | 2043217.47 1500 | Services financiers | 7763 | 0 | 0 | 1751489.13 | 1486354.83 | 701446.12 | 0 | 17400.04 | 327984 | 4292437.12 1510 | Services professionnels | 343027 | 22641.24 | 35146.64 | 57627.63 | 207532.01 | 150079.82 | 0 | 0 | 26669 | 842723.3400000001 1520 | Services médicaux | 297588 | 1362.41 | 0 | 2682.65 | 40501.36 | 17679.5 | 0 | 0 | 1462 | 361275.92 1530 | Services d'agence ou de représentation | 1431 | 0 | 4323.96 | 119439.65 | 28013.88 | 234.32 | 0 | 464.09 | 783 | 154689.9 1540 | Services d'enseignement | 27316 | 0 | 1715.12 | 143414.84 | 8127.87 | 11158.97 | 0 | 0 | 5165 | 196897.8 1550 | Autres services | 39311 | 38083.63 | 1604.76 | 2076491.11 | 83534.97 | 339705.48 | 0 | 49418.95 | 21365 | 2649514.9000000004 1560 | Crédit à la consommation | 2604337 | 332756.51 | 171784.87 | 2241605.93 | 666480.38 | 260257.66 | 239285.55 | 25582.19 | 601358 | 7143448.090000001 Total | 9994138 | 1520140.9799999997 | 1312343.5100000002 | 21765082.599999994 | 20769811.980000004 | 4845387.021 | 2759533.8299999996 | 1734790.7499999998 | 2996585 | 67697813.671 (1) Commerce de gros Import-export | 6051 | 9156 | 17990.23 | 787478.51 | 1359135.38 | 177673 | 0 | 0 | 24578 | 2382062.12 Produits pétroliers | 428216 | 0 | 0 | 293608.09 | 8607.64 | 13149 | 0 | 0 | 0 | 743580.7300000001 Produits pharmaceutiques | 0 | 0 | 0 | 101070.65 | 82200.3 | 55756 | 0 | 0 | 0 | 239026.95 Produits alimentaires | 466939 | 43794.41 | 46774.6 | 1753837.75 | 693007.09 | 146674 | 0 | 92670.67 | 3637 | 3247334.5199999996 Matériaux de construction | 0 | 0 | 0 | 0 | 725422.96 | 70100 | 0 | 0 | 0 | 795522.96 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 63384 | 77568.42 | 43660.32 | 1185143.55 | 182127.26 | 15109 | 0 | 356923.27 | 13032 | 1936947.82 S-Total | 964590 | 130518.83 | 108425.15 | 4121138.55 | 3050500.63 | 478461 | - | 449593.94 | 41247 | 9344475.1 (2) Commerce de détail Produits pétroliers | 21988 | 6556.48 | 0 | 122447.12 | 79413.5 | 35356 | 0 | 43219.97 | 0 | 308981.06999999995 Produits pharmaceutiques | 0 | 0 | 5794.22 | 8872.96 | 13584.14 | 8027 | 0 | 0 | 2009 | 38287.32 Véhicules automobiles | 18942 | 0 | 0 | 716569.97 | 1187586.97 | 105766 | 0 | 18586.16 | 1220 | 2048671.0999999999 Produits alimentaires | 11453 | 176.88 | 0 | 611977.01 | 578848.81 | 147383 | 0 | 0 | 6312 | 1356150.7000000002 Librairie ,papeterie | 1828 | 1755.28 | 22455.93 | 62313.62 | 21055.09 | 8830 | 0 | 0 | 0 | 118237.92 Appareils électro- ménagers électroni.équip. inform. | 13317 | 0 | 0 | 355502.98 | 164595.63 | 169611 | 0 | 3016.7 | 0 | 706043.3099999999 Matériaux de construction | 0 | 0 | 0 | 0 | 260397.95 | 601 | 0 | 35113.4 | 0 | 296112.35000000003 Autres | 225330 | 414088.64 | 60754.73 | 498198.41 | 680990.12 | 93912 | 0 | 100684.8 | 4893 | 2078851.7 S-Total | 292858 | 422577.28 | 89004.88 | 2375882.0700000003 | 2986472.2100000004 | 569486 | - | 200621.03000000003 | 14434 | 6951335.47 [Secteur d'activité déc. 13 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DÉCEMBRE 2013 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 0.0001073788711465768 | 0.005095916135491178 | 0 | 0 | 0 | 0 | 0.0015979589906068238 200 | Industrie alimentaire | 0.013864927620571179 | 0.01445025184440459 | 0.0032201553692295082 | 0.01362750950460441 | 0.05230546290193233 | 0.04116318451664916 | - | 0.20924724206651438 | 0.05154167160284123 | 0.033452182385176686 210 | Industrie des boissons | 0.00038422523283148584 | 0 | 0.007211694139440669 | 0.030548299871832336 | 0.04994006065143012 | 0.02270214113408383 | - | 0.18346404025961058 | 0.025939194115968678 | 0.032814021894352646 220 | Industrie du bois | 0.0006726943334182498 | 0 | 0.007777224425028777 | 0.0001367088769973242 | 0 | 0 | - | 0 | 0 | 0.00029402722068300397 230 | Industrie chimique | 0 | 0 | 0 | 0.0254411706206895 | 0.004336260245722262 | 0.013913443798775555 | - | 0 | 0 | 0.010505634841567467 240 | Industrie du textile | 0.021841403430691072 | 0 | 0 | 0.0270771593579893 | 0.012178176684678873 | 0.013466488789688778 | - | 0 | 0.0021724729984298795 | 0.01672611475317197 250 | Industrie pharmacie | 0 | 0 | 0.006935950786238885 | 0 | 0.002942755575199963 | 0 | - | 0 | 0 | 0.0010404758467136997 260 | Imprimerie, édition | 0.0013018631521798077 | 0 | 0 | 0.006718508846826064 | 0.0025698894169768017 | 0.006853873561816354 | - | 0 | 0.001425622833992695 | 0.0036943244757568204 270 | Sidérurgie, aciérie | 0.04588229620203363 | 0 | 0.013183316615022539 | 0.03001999082695878 | 0.0022685366649139974 | 0.013409661543731617 | - | 0.09728585998051927 | 0.01192390671380922 | 0.021357558118887506 280 | Industrie de la fabrication | 0.007548324828014182 | 0.0021664503775169594 | 0 | 0.030516761282587557 | 0.026102333546497512 | 0.018364481436538693 | - | 0 | 0.002831222875373133 | 0.02042222111808382 290 | Autres industries | 0 | 0 | 0 | 0.002264938337518646 | 0.005264824260580523 | 0.009003561492802372 | - | 0 | 0.0004301563279533202 | 0.003006902423603676 300 | Production et distribution de l'électricité | 0.25546585408366385 | 0 | 0.2968559961865472 | 0.040063062751712245 | 0.004364219092945298 | 0.00044708296584179094 | - | 0.038479603375796194 | 0 | 0.05870615392860875 400 | Production et distribution de gaz | 0 | 0.0053650616010628175 | 0.0005741713158622622 | 0 | 0.08360657822382461 | 0.0190307440046284 | - | 0.0009427131197235173 | 0 | 0.02716851106800051 500 | Traitement et distribution de l'eau | 0 | 0.003715293564416638 | 0 | 0.01227929224582865 | 0.002867399091399959 | 0 | - | 0 | 0 | 0.004910984608981819 600 | Entrep/ batiment et corps/ métiers corresp. | 0.0030967152945056394 | 0.1137429371846814 | 0.13299939281903408 | 0.08433291955436918 | 0.0425516278554198 | 0.0631459135614835 | - | 0 | 0.14617205919404921 | 0.0567474877205034 700 | Commerce de gros(1) | 0.09651557743149033 | 0.08585967467306882 | 0.11519728550339688 | 0.18934633172492535 | 0.14687184616487794 | 0.09874594494234107 | - | 0.25916321031801676 | 0.013764668781296042 | 0.1386637049406109 800 | Commerce de détail(2) | 0.029302977405355018 | 0.27798558525802003 | 0.06782132827402788 | 0.10916025928612835 | 0.14378908258176729 | 0.1175318333771547 | - | 0.11564572269018614 | 0.0048168164760886145 | 0.1026818504624437 900 | Rest/débits/boissons, casinos/activités/loterie | 0.00014978780561164954 | 0.0016633851947074015 | 0.0035021547064304826 | 0.000526592534043496 | 0.0009118098911167897 | 0.0030138294292508696 | - | 0 | 0.0023426667356340634 | 0.0008958078069510599 1000 | Hotels,motels et pensions | 0.0103253527217655 | 0 | 0.004223840753401523 | 0.04694390041046756 | 0.004214172477068326 | 0.11482190743252085 | - | 0 | 0 | 0.026209977158539895 1100 | Transport | 0.00387577197753323 | 0.031756995328157005 | 0.042083143307501854 | 0.0013688489286964622 | 0.018581149909860664 | 0.007681173833729969 | - | 0.0028804396149795016 | 0 | 0.00886547049978216 1200 | Immobilier résidentiel | 0.07947388759290697 | 0.12836842935449316 | 0.04590281396674868 | 0.008545228769313287 | 0.04067754348539846 | 0.1293565668301649 | 0.5576746997154951 | 0 | 0.27618138647827445 | 0.07494791138540843 1300 | Immobilier commercial | 0.041514735938206974 | 0.0751687978308433 | 0.08336575688174812 | 0.041465203536604094 | 0.18266731127144267 | 0.0008380775327957027 | 0.3556129913435416 | 0.0071112034693521405 | 0.011827463596060182 | 0.09406803506163999 1400 | Télécommunications | 0.05651152705716091 | 0 | 0.005640299162221634 | 0.005794028551033389 | 0.044536851411593754 | 0.000904551067026107 | - | 0.03224885767923307 | 0.11999459384599469 | 0.0301814395355468 1500 | Services financiers | 0.0007767553339767772 | 0 | 0 | 0.08047243202284013 | 0.07156322991422669 | 0.14476575698905353 | - | 0.01003005117475984 | 0.10945259353564141 | 0.06340584558403205 1510 | Services professionnels | 0.03432282003710575 | 0.01489417119720041 | 0.026781585562152085 | 0.0026477101446883556 | 0.009992002344548907 | 0.030973752839463846 | - | 0 | 0.008899797602938011 | 0.0124483095435769 1520 | Services médicaux | 0.029776254840587553 | 0.0008962392422313359 | 0 | 0.00012325475851858247 | 0.0019500109119427855 | 0.003648728145631445 | - | 0 | 0.0004878887133186611 | 0.0053365965665559045 1530 | Services d'agence ou de représentation | 0.00014318393442235838 | 0 | 0.0032948385594561286 | 0.005487672718503721 | 0.001348778699921577 | 4.8359398121234204e-05 | - | 0.00026751929591508375 | 0.00026129744358995325 | 0.002285005846005115 1540 | Services d'enseignement | 0.0027332022031314757 | 0 | 0.001306913919207022 | 0.0065892164360543265 | 0.0003913309377969631 | 0.0023030090169550567 | - | 0 | 0.0017236287307051193 | 0.002908480929042852 1550 | Autres services | 0.003933405762457953 | 0.0250526960992789 | 0.0012228200831350929 | 0.09540469697091802 | 0.004021941560204725 | 0.07010904980917107 | - | 0.02848698034618873 | 0.007129782736014496 | 0.03913737765411742 1560 | Crédit à la consommation | 0.2605864557803785 | 0.21889845374736233 | 0.13089931766416857 | 0.10299092225820455 | 0.032088898091219016 | 0.053712460712021216 | 0.08671230894096342 | 0.014746556609204887 | 0.20068110866202693 | 0.10551962763104815 Total | 1 | 0.999984422497445 | 0.9999999999999998 | 1.0000000000000004 | 0.9999999999999999 | 0.9999555781614414 | 1 | 1 | 0.9999999999999998 | 0.9999999999999999 (1) Commerce de gros Import-export | 0.0006054549176727397 | 0.006023125565630104 | 0.013708476372927691 | 0.03618081881297341 | 0.06543802039752503 | 0.03666848473196503 | - | 0 | 0.008202003280400856 | 0.03518669201898338 Produits pétroliers | 0.04284671674535613 | 0 | 0 | 0.01348986794104793 | 0.0004144303284155198 | 0.0027137151156371997 | - | 0 | 0 | 0.01098382192390551 Produits pharmaceutiques | 0 | 0 | 0 | 0.004643706245341795 | 0.003957681469584492 | 0.01150702714940054 | - | 0 | 0 | 0.003530792754425288 Produits alimentaires | 0.04672128801903676 | 0.02880943976656692 | 0.03564204009360323 | 0.08058033972267123 | 0.03336607431339876 | 0.030270853363067198 | - | 0.05341893251390694 | 0.0012137149455129757 | 0.04796808558370141 Matériaux de construction | 0 | 0 | 0 | 0 | 0.034926794748962375 | 0.01446736859123642 | - | 0 | 0 | 0.011751087913504975 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.006342117749424713 | 0.051027122497546255 | 0.0332689723897061 | 0.054451599002891 | 0.008768844906991785 | 0.0031182235669756217 | - | 0.20574427780410984 | 0.00434895055538221 | 0.028611674660768825 S-Total | 0.09651557743149035 | 0.08585968782974328 | 0.08261948885623702 | 0.18934633172492538 | 0.14687184616487794 | 0.09874567251828201 | - | 0.25916321031801676 | 0.013764668781296042 | 0.13803215485528939 (2) Commerce de détail Produits pétroliers | 0.002200089692577789 | 0.0043130736466298015 | 0 | 0.005625851380871857 | 0.003823505965122366 | 0.007296837145674107 | - | 0.024913650248596268 | 0 | 0.004564121841535327 Produits pharmaceutiques | 0 | 0 | 0.004415170232373077 | 0.0004076694843326715 | 0.0006540328825836582 | 0.0016566272137211804 | - | 0 | 0.0006704298393004036 | 0.0005655621344888616 Véhicules automobiles | 0.0018953110313265637 | 0 | 0 | 0.03292291525693544 | 0.05717851327414856 | 0.021828184114418135 | - | 0.010713776286851889 | 0.0004071301164492247 | 0.030261997971695175 Produits alimentaires | 0.0011459717686507832 | 0.00011635762888255273 | 0 | 0.028117375947840428 | 0.027869718346867765 | 0.030417178103882985 | - | 0 | 0.0021063977828094313 | 0.020032415028802326 Librairie ,papeterie | 0.00018290722021248857 | 0.0011546823768937538 | 0.0171113201908546 | 0.002863008661405219 | 0.0010137352240008094 | 0.0018223518496521768 | - | 0 | 0 | 0.0017465544836442787 Appareils électro- ménagers électroni.équip. inform. | 0.0013324811004210668 | 0 | 0 | 0.016333637989501593 | 0.007924753009728495 | 0.03500463415304138 | - | 0.0017389417138637614 | 0 | 0.010429336956600279 Matériaux de construction | 0 | 0 | 0 | 0 | 0.012537328226694903 | 0.00012403549961958758 | - | 0.020240712028237413 | 0 | 0.004374031212278971 Autres | 0.022546216592166327 | 0.2724014716056139 | 0.0462948378508002 | 0.02288980102469265 | 0.03278749565262073 | 0.01938173351127239 | - | 0.05803858476879705 | 0.0016328587375295544 | 0.03070781148269972 S-Total | 0.02930297740535502 | 0.27798558525802003 | 0.06782132827402787 | 0.10916025974557986 | 0.14378908258176729 | 0.11753158159128194 | - | 0.11564566504634638 | 0.0048168164760886145 | 0.10268183111174493 [Secteur d'activité sept. 13] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2013 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 2583.17 | 104065.61 | 0 | 0 | 0 | 0 | 106648.78 200 | Industrie alimentaire | 223727 | 22251.14 | 19.41 | 215321.66 | 1040692.7 | 215246.84 | 0 | 300727.12 | 142758 | 2160743.87 210 | Industrie des boissons | 3827 | 0 | 9540.07 | 665004.44 | 1032914.31 | 90512.49 | 0 | 182388.78 | 80292 | 2064479.0899999999 220 | Industrie du bois | 14454 | 0 | 656.88 | 5924.5 | 0 | 0 | 0 | 0 | 0 | 21035.379999999997 230 | Industrie chimique | 0 | 0 | 0 | 459982.92 | 89144.19 | 58668.18 | 0 | 652.77 | 0 | 608448.06 240 | Industrie du textile | 223934 | 0 | 0 | 591490.53 | 259885.86 | 26872.78 | 0 | 0 | 6207 | 1108390.1700000002 250 | Industrie pharmacie | 0 | 0 | 8945.97 | 0 | 58759.42 | 368.16 | 0 | 0 | 0 | 68073.55 260 | Imprimerie, édition | 35094 | 0 | 0 | 267201.37 | 81969.63 | 56244.05 | 0 | 0 | 4488 | 444997.05 270 | Sidérurgie, aciérie | 458981 | 0 | 16078.28 | 693142.16 | 492235.84 | 64975 | 0 | 116469.54 | 20057 | 1861938.82 280 | Industrie de la fabrication | 5318 | 800.87 | 0 | 578525.78 | 532320.65 | 120897.77 | 0 | 0 | 6998 | 1244861.07 290 | Autres industries | 0 | 0 | 0 | 48909.06 | 164985.21 | 337.58 | 0 | 0 | 2227 | 216458.84999999998 300 | Production et distribution de l'électricité | 2998322 | 0 | 527752.35 | 896694.32 | 92435.89 | 1889.41 | 0 | 66070.95 | 0 | 4583164.92 400 | Production et distribution de gaz | 0 | 6633.13 | 1010.76 | 0 | 1725329.26 | 92537.1 | 0 | 2122.4 | 0 | 1827632.65 500 | Traitement et distribution de l'eau | 0 | 4254.39 | 0 | 260645.95 | 77111.96 | 0 | 0 | 0 | 0 | 342012.30000000005 600 | Entrep/ batiment et corps/ métiers corresp. | 30949 | 161344.75 | 173220.41 | 1885338 | 748114.32 | 302024.76 | 0 | 8812.72 | 82490 | 3392293.9600000004 700 | Commerce de gros(1) | 843481 | 135171.94 | 108438.8 | 3907598.75 | 3307179.06 | 503485.65 | 0 | 294341.77 | 51943 | 9151639.97 800 | Commerce de détail(2) | 266107 | 396242.23 | 88838.84 | 2412459.07 | 2906995.2 | 524322.47 | 0 | 206777.18 | 12460 | 6814201.989999999 900 | Rest/débits/boissons, casinos/activités/loterie | 1825 | 2285.21 | 90.73 | 11359.5 | 12669.5 | 13522.6 | 0 | 0 | 6269 | 48021.54 1000 | Hotels,motels et pensions | 105441 | 0 | 0 | 977188.3 | 26080.39 | 556134.46 | 0 | 0 | 0 | 1664844.15 1100 | Transport | 41858 | 47779.83 | 0 | 31112.11 | 323671.74 | 32603.02 | 0 | 4533.55 | 0 | 481558.25 1200 | Immobilier résidentiel / Avance Hypothécaire | 684986 | 168576.75 | 56280.22 | 216655.71 | 822793.33 | 607876.07 | 1464659.47 | 8353.35 | 842300 | 4872480.9 1300 | Immobilier commercial | 415383 | 116285.99 | 74246.99 | 856546.93 | 3570698.53 | 4276.01 | 900844.02 | 0 | 36427 | 5974708.469999999 1400 | Télécommunications | 574045 | 0 | 1405.23 | 126662.51 | 993171.09 | 3997.12 | 0 | 41301.17 | 355418 | 2096000.12 1500 | Services financiers | 4022 | 0 | 5565.44 | 1479071.64 | 1510940.21 | 699492.07 | 0 | 21018.03 | 345522 | 4065631.3899999997 1510 | Services professionnels | 349257 | 25105.81 | 13128.1 | 64321.81 | 212554.79 | 148278.98 | 0 | 1747.4 | 32304 | 846697.89 1520 | Services médicaux | 352853 | 328.4 | 0 | 2036.25 | 41386.83 | 20273.18 | 0 | 0 | 1606 | 418483.66000000003 1530 | Services d'agence ou de représentation | 1391 | 0 | 4493.93 | 118885.84 | 19539.32 | 225.83 | 0 | 6.02 | 793 | 145334.93999999997 1540 | Services d'enseignement | 27889 | 0 | 1517.95 | 134442.64 | 8330.19 | 9930.81 | 0 | 0 | 17343 | 199453.59000000003 1550 | Autres services | 35665 | 37596.64 | 3503.82 | 1960073.99 | 115714.35 | 326676.39 | 0 | 64041.39 | 21518 | 2564789.58 1560 | Crédit à la consommation | 2560247 | 338847.27 | 256841.12 | 2184438.32 | 627139.9 | 261148.73 | 231147.86 | 17347.13 | 586012 | 7063169.330000001 Total | 10259056 | 1463504.3499999999 | 1351575.2999999998 | 21053617.23 | 20998829.28 | 4742817.51 | 2596651.35 | 1336711.2699999998 | 2655432 | 66458194.28999999 (1) Commerce de gros Import-export | 5406 | 12926.66 | 17991.14 | 797425.95 | 1442825.75 | 177806 | 0 | 0 | 23760 | 2478141.5 Produits pétroliers | 480407 | 0 | 0 | 137876.61 | 9870.5 | 6494 | 0 | 0 | 0 | 634648.11 Produits pharmaceutiques | 0 | 0 | 0 | 114622.41 | 82673.82 | 50565 | 0 | 0 | 0 | 247861.23 Produits alimentaires | 295904 | 44182.47 | 46781.81 | 1706738.17 | 744906.74 | 152655 | 0 | 102512.26 | 3842 | 3097522.4499999997 Matériaux de construction | 0 | 0 | 0 | 0 | 787257.43 | 97342 | 0 | 0 | 11309 | 895908.43 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 61764 | 78062.81 | 43665.85 | 1150935.61 | 239644.82 | 18624 | 0 | 191829.5 | 13032 | 1797558.59 S-Total | 843481 | 135171.94 | 108438.79999999999 | 3907598.75 | 3307179.06 | 503486 | - | 294341.76 | 51943 | 9151640.309999999 (2) Commerce de détail Produits pétroliers | 21132 | 6698.07 | 6522.86 | 114106.48 | 80269.85 | 34394 | 0 | 14318.44 | 0 | 277441.7 Produits pharmaceutiques | 0 | 0 | 0 | 10937.59 | 10583.34 | 10782 | 0 | 0 | 1498 | 33800.93 Véhicules automobiles | 11023 | 0 | 0 | 794605.21 | 1178256.44 | 123655 | 0 | 34150.35 | 1216 | 2142906 Produits alimentaires | 11317 | 176.88 | 22367.27 | 585274.81 | 503463.4 | 162928 | 0 | 0 | 6352 | 1291879.36 Librairie ,papeterie | 1910 | 1749.72 | 0 | 63817.28 | 22030.57 | 5197 | 0 | 0 | 0 | 94704.57 Appareils électro- ménagers électroni.équip. inform. | 13978 | 0 | 0 | 344909.53 | 93173.89 | 117078 | 0 | 2473.61 | 0 | 571613.03 Matériaux de construction | 0 | 0 | 0 | 0 | 235251.99 | 578 | 0 | 37149.28 | 850 | 273829.27 Autres | 206747 | 387617.56 | 59948.71 | 498807.81 | 783965.72 | 69710 | 0 | 118685.5 | 2544 | 2128026.3 S-Total | 266107 | 396242.23 | 88838.84 | 2412458.71 | 2906995.1999999993 | 524322 | - | 206777.18 | 12460 | 6814201.159999999 [Secteur d'activité sept 13 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2013 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 0.00012269483062127468 | 0.004955781515835058 | 0 | - | 0 | 0 | 0.0016047498903539652 200 | Industrie alimentaire | 0.021807756971011758 | 0.015204013571944628 | 0 | 0.010227300023920877 | 0.04955955811266065 | 0.04538374912088912 | - | 0.2249753755723179 | 0.05376074401453323 | 0.03251282844928467 210 | Industrie des boissons | 0.0003730362715633875 | 0 | 0.007058482054237009 | 0.03158623208236221 | 0.049189137938455585 | 0.019084118208039593 | - | 0.13644590577888974 | 0.030236888009182686 | 0.03106432716169424 220 | Industrie du bois | 0.001408901559753646 | 0 | 0.00048601065734184403 | 0.00028140057526827183 | 0 | 0 | - | 0 | 0 | 0.0003165204866718024 230 | Industrie chimique | 0 | 0 | 0 | 0.02184816580328795 | 0.004245198092300505 | 0.012369900354863116 | - | 0.0004883403130131461 | 0 | 0.009155350465060013 240 | Industrie du textile | 0.021827934266076723 | 0 | 0 | 0.02809448483546882 | 0.0123762070987226 | 0.005665994937258297 | - | 0 | 0.0023374727727917717 | 0.01667800610355705 250 | Industrie pharmacie | 0 | 0 | 0.006618920899190745 | 0 | 0.0027982236160167496 | 7.762474504316318e-05 | - | 0 | 0 | 0.00102430634366849 260 | Imprimerie, édition | 0.0034207825749269717 | 0 | 0 | 0.01269147088032245 | 0.0039035333306924242 | 0.011858784336823452 | - | 0 | 0.0016901204775720108 | 0.006695894385246019 270 | Sidérurgie, aciérie | 0.044739106600061446 | 0 | 0.01189595577841649 | 0.0329227112105144 | 0.02344110871308536 | 0.013699662671608886 | - | 0.08713141170718192 | 0.007553196617348891 | 0.028016692898322808 280 | Industrie de la fabrication | 0.0005183712809443676 | 0.0005472276184214964 | 0 | 0.02747868804110485 | 0.025350015608108224 | 0.025490706683336 | - | 0 | 0.002635352741098247 | 0.01873149102679299 290 | Autres industries | 0 | 0 | 0 | 0.0023230715874471134 | 0.007856876581073856 | 7.117710080310469e-05 | - | 0 | 0.0008386582672800509 | 0.003257067880229341 300 | Production et distribution de l'électricité | 0.29226100335157545 | 0 | 0.3904720291943779 | 0.04259098615710893 | 0.004401954450291145 | 0.0003983729072468572 | - | 0.04942798903760272 | 0 | 0.06896312740609072 400 | Production et distribution de gaz | 0 | 0.0045323609731669065 | 0.0007478384667136194 | 0 | 0.08216311666685448 | 0.019510997377590437 | - | 0.0015877774412719663 | 0 | 0.027500486125531173 500 | Traitement et distribution de l'eau | 0 | 0.002906988284660719 | 0 | 0.012380103008075825 | 0.0036722028152990443 | 0 | - | 0 | 0 | 0.00514627735005227 600 | Entrep/ batiment et corps/ métiers corresp. | 0.0030167492993507395 | 0.11024548714187288 | 0.12816186415954778 | 0.08954936243989081 | 0.03562647755380008 | 0.06368045141167576 | - | 0.0065928373597089526 | 0.031064625266246697 | 0.0510440284488807 700 | Commerce de gros(1) | 0.08221818849609555 | 0.09236183001437612 | 0.08023141588929601 | 0.18560225101993078 | 0.15749349718033423 | 0.10615750003841072 | - | 0.22019846514797475 | 0.019561035643164654 | 0.1377052155534875 800 | Commerce de détail(2) | 0.025938741342283345 | 0.27074892534484096 | 0.06572984871801076 | 0.11458644106830282 | 0.13843606046974824 | 0.1105508421722935 | - | 0.15469098274304222 | 0.004692268527305538 | 0.10253366139117831 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0001778916110800058 | 0.0015614644397879652 | 6.712907523539386e-05 | 0.0005395509890724845 | 0.0006033431593287376 | 0.0028511744277506476 | - | 0 | 0.002360821139460547 | 0.0007225826779230719 1000 | Hotels,motels et pensions | 0.010277846226787337 | 0 | 0 | 0.04641427120692457 | 0.001241992572644983 | 0.11725824551069433 | - | 0 | 0 | 0.025050998869081673 1100 | Transport | 0.004080102496759936 | 0.03264754901480136 | 0 | 0.0014777560387897297 | 0.015413799297291109 | 0.006874188165844062 | - | 0.0033915701182051085 | 0 | 0.007246032714922265 1200 | Immobilier résidentiel | 0.06676891129164321 | 0.11518705086185771 | 0.04164046205934661 | 0.010290664432299076 | 0.039182819148096806 | 0.12816771227615711 | 0.5640570383082041 | 0.0062491804980442794 | 0.3171988587920911 | 0.07331648041381054 1300 | Immobilier commercial | 0.04048939785492934 | 0.07945722197545912 | 0.05493366888252546 | 0.04068407441071351 | 0.17004274297333588 | 0.0009015759073555416 | 0.34692528898806535 | 0 | 0.013717918591023984 | 0.08990175754593166 1400 | Télécommunications | 0.055954953360231194 | 0 | 0.0010396978991847514 | 0.006016187556574096 | 0.04729649814077635 | 0.000842773307548154 | - | 0.030897599898293673 | 0.13384564168843338 | 0.031538625784110215 1500 | Services financiers | 0.0003920438683637169 | 0 | 0.004117743199361516 | 0.07025261378327052 | 0.0719535451168733 | 0.1474845001995449 | - | 0.01572368728513825 | 0.13011894109884944 | 0.06117577273103488 1510 | Services professionnels | 0.03404377556765457 | 0.017154585157194785 | 0.009713184311669502 | 0.0030551429380194918 | 0.010122220966025207 | 0.031263901612777846 | - | 0.0013072381741795298 | 0.01216525220755041 | 0.012740308385528963 1520 | Services médicaux | 0.03439429514762372 | 0.0002243929100723206 | 0 | 9.671734684615048e-05 | 0.0019709113040610425 | 0.004274501381774649 | - | 0 | 0.0006047980140331216 | 0.006296945989442412 1530 | Services d'agence ou de représentation | 0.00013558752384234963 | 0 | 0.003324957181445977 | 0.005646813025107895 | 0.0009304956833288755 | 4.7615156923885104e-05 | - | 0 | 0.0002986331414248228 | 0.0021868626066758575 1540 | Services d'enseignement | 0.0027184762418686476 | 0 | 0.0011230968781391613 | 0.006385726430346051 | 0.00039669782962300457 | 0.002093862978927899 | - | 0 | 0.0065311406957512 | 0.003001188824506054 1550 | Autres services | 0.003476440717352552 | 0.025689462419431826 | 0.0025923971827540803 | 0.09309915576915806 | 0.005510514346159778 | 0.06887812767647475 | - | 0.04790966563781572 | 0.00810338958030181 | 0.038592525833731926 1560 | Crédit à la consommation | 0.24955970607822006 | 0.23153144027211128 | 0.1900309364931425 | 0.10375596250925095 | 0.029865469719176647 | 0.055061939332344254 | 0.08901767270373051 | 0.012977469696952584 | 0.22068424271455642 | 0.10627988625719854 Total | 1 | 1 | 0.9999856389799372 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 0.9999954964096326 | 1 | 1.0000000000000004 (1) Commerce de gros Import-export | 0.0005269490682183624 | 0.008832676172093374 | 0.01331123763507664 | 0.037875959332238696 | 0.06870981856946645 | 0.03748953014217914 | - | - | 0.008947696645969469 | 0.03728872754481215 Produits pétroliers | 0.04682760285156841 | - | - | 0.006548832368982895 | 0.00047005001414059783 | 0.0013692283091870428 | - | - | - | 0.00954958401714348 Produits pharmaceutiques | - | - | - | 0.005444309581000205 | 0.003937068057348386 | 0.010661384270718019 | - | - | - | 0.0037295811697564563 Produits alimentaires | 0.02884319960822906 | 0.03018950370731731 | 0.03461280329701202 | 0.08106626768002659 | 0.03547372713342046 | 0.032186564142123196 | - | 0.07668990476903813 | 0.0014468455603457366 | 0.04660858578979005 Matériaux de construction | - | 0 | - | - | 0.03749053909161549 | 0.020524087168599495 | - | - | - | 0.013480782009974171 Appareils électroménagers électron.,équipe.inform. | - | - | - | - | - | - | - | - | - | - Autres | 0.006020436968079714 | - | 0.03230737495720735 | 0.0546668820576824 | 0.011412294314342842 | 0.0039267798014012145 | - | 0.1435085528978895 | 0.004907676039152951 | 0.027047960138009346 S-Total | 0.08221818849609555 | 0.03902217987941068 | 0.080231415889296 | 0.18560225101993078 | 0.15749349718033423 | 0.1061575738342081 | - | 0.22019845766692764 | 0.015302218245468157 | 0.13770522066948565 (2) Commerce de détail Produits pétroliers | 0.0020598386440233876 | 0.00457673391951312 | 0.00482611660630377 | 0.005419804053310415 | 0.0038225869132833866 | 0.0072518075864150214 | - | - | - | 0.0041746800821783215 Produits pharmaceutiques | - | - | - | 0.0005195112023037383 | 0.0005039966685228463 | 0.0022733322497158447 | - | - | 0.0005641266656423512 | 0.0005086043995192637 Véhicules automobiles | 0.0010744653309232351 | 0 | - | 0.037741980454918715 | 0.05611057760835322 | 0.026072055215972247 | - | 0.025548037759867172 | 0.00045792925595533986 | 0.03224442106640933 Produits alimentaires | 0.0011031229384068086 | 0.00012086059054077975 | 0.016549037260447128 | 0.02779925195780716 | 0.023975784234767587 | 0.03435257621792832 | - | 0 | 0.0023920778238719726 | 0.019438977748367593 Librairie ,papeterie | 0.00018617697378784168 | 0.0011955687046642535 | - | 0.003031178884978712 | 0.0010491332495846644 | 0.0010957621685933263 | - | - | - | 0.0014250247243664618 Appareils électro- ménagers électroni.équip. inform. | 0.001362503528589765 | - | - | 0.016382435675164026 | 0.00443709926670731 | 0.024685326760548288 | - | 0.0018505192972600587 | - | 0.008601091800744443 Matériaux de construction | - | - | - | - | 0.011203100271121398 | 0.00012186848825224988 | - | 0.02779155142456456 | 0.0003200985752977293 | 0.004120323654974828 Autres | 0.020152633926552307 | 0.26485576213012285 | 0.04435469485125987 | 0.023692261740620616 | 0.03733378225740783 | 0.014698014387654565 | - | 0.08878918182533167 | 0.0009580362065381452 | 0.032020525425563745 S-Total | 0.025938741342283345 | 0.270748925344841 | 0.06572984871801077 | 0.11458642396910337 | 0.1384360604697482 | 0.11055074307507987 | - | 0.14397929030702347 | 0.004692268527305538 | 0.10253364890212399 [classifiprêts] CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS QUALITÉ DU PORTEFEUILLE AU 30 SEPTEMBRE 2025 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | SYSTÈME PORTEFEUILLE PRÊTS BRUTS Classement du Portefeuille Courant | 9316471.71509783 | 166456.26 | 12679407.449157475 | 8716343.666489998 | 7859451.636039093 | 27530250.99023 | 4007208.617281112 | 0 | 0 | 70275590.33429551 A signaler | 1544394.8681 | 10965.5 | 491367.27140067605 | 1623591.6339499997 | 14435509.007618051 | 11535947.000000002 | 493837.412230309 | 0 | 0 | 30135612.693299036 Restructurés | 0 | 0 | 0 | 0 | 2613621.1270032 | 0 | 43597.2548925 | 0 | 0 | 2657218.3818957 Faible | 1991135.1716185154 | 3461.22 | 235717.6830182715 | 6974.0057 | 1979520.6499478098 | 1718507.6099999999 | 302183.86183700454 | 0 | 0 | 6237500.202121601 Douteux | 2393640.0257657324 | 2928.6000000000004 | 214033.97018521046 | 66322.99458 | 631229.3659790653 | 5307810.300000001 | 129525.18200571326 | 0 | 0 | 8745490.43851572 Perte | 4023863.8692868473 | 1127894.98 | 0 | 21754.9024 | 1177523.80201064 | 162520.94 | 114807.83795429926 | 0 | 0 | 6628366.331651787 TOTAL | 19269505.649868924 | 1311706.56 | 13620526.373761632 | 10434987.203119999 | 28696855.58859786 | 46255036.84023 | 5091160.166200939 | 0 | 0 | 124679778.38177936 Provisions spécifiques | 5686496.640784168 | 1130216.0126500002 | 202178.19336654362 | 267001.94883075 | 2685536.76358964 | 1215144.0450000002 | 276124.09383385 | 0 | 0 | 11462697.69805495 Provisions générales | 105830.47214562609 | 1090.7401824035567 | 195727.0423565143 | 133371.42513862503 | 107062.547243071 | 318435.3417528751 | 27141.77 | 0 | 888659.338819115 TOTAL 1 | 5792327.112929794 | 1131306.7528324036 | 397905.23572305794 | 400373.37396937504 | 2792599.310832711 | 1533579.3867528753 | 303265.86383385 | 0 | 0 | 12351357.036874067 Portefeuille de Prêts Net | 13477178.53693913 | 180399.80716759642 | 13222621.138038574 | 10034613.829150625 | 25904256.277765147 | 44721457.45347713 | 4787894.302367088 | 0 | 0 | 112328421.34490529 (En pourcentage) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | SCOTIA | TOTAL PORTEFEUILLE PRÊTS BRUTS Classement du Portefeuille Courant | 0.4834826530778802 | 0.12690053177747315 | 0.9309043645760187 | 0.8352998903423536 | 0.27387849556457655 | 0.5951838517678091 | 0.7870914460487933 | #DIV/0! | #DIV/0! | 0.5636486625690502 A signaler | 0.08014709334852632 | 0.008359720332571943 | 0.036075497959259364 | 0.15559114758325296 | 0.503034521083687 | 0.24939872039982228 | 0.09699899357101038 | #DIV/0! | #DIV/0! | 0.24170409255157163 Restructurés | 0.10333089015348246 | 0 | 0 | 0 | 0.09107691673514473 | 0 | 0.008563324167629281 | #DIV/0! | #DIV/0! | 0.0213123444425694 Faible | 0.12421906764286994 | 0.00263871517117365 | 0.01730606266967438 | 0.0006683291090107723 | 0.06898040253352127 | 0.03715287517629517 | 0.05935461701698856 | #DIV/0! | #DIV/0! | 0.050028162409961 Douteux | 0.12421906764286994 | 0.0022326639885066977 | 0.015714074795047727 | 0.006355829028728451 | 0.02199646452658291 | 0.11475096903141084 | 0.025441191747531663 | #DIV/0! | #DIV/0! | 0.07014361552469509 Perte | 0.2088202957772411 | 0.8598683687302745 | 0 | 0.002084803936654126 | 0.041033199556487515 | 0.0035135836246626556 | 0.022550427448046625 | #DIV/0! | #DIV/0! | 0.05316312250215271 TOTAL | 1.12421906764287 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 | 0.9999999999999998 | #DIV/0! | #DIV/0! | 1 Provisions spécifiques | 0.29510340037305777 | 0.8616378442523 | 0.01484364023963248 | 0.02558718507588759 | 0.09358296261060345 | 0.026270523774464642 | 0.05423598645883809 | #DIV/0! | #DIV/0! | 0.09193710356907486 Provisions générales | 0.0054921218047099185 | 0.0008315428279961919 | 0.014370005753489807 | 0.012781177642340354 | 0.0037308110957498157 | 0.006884338733807214 | 0.005331156183258204 | #DIV/0! | #DIV/0! | 0.0071275338338986265 TOTAL | 0.3005955221777677 | 0.8624693870802962 | 0.02921364599312229 | 0.038368362718227945 | 0.09731377370635326 | 0.033154862508271855 | 0.059567142642096296 | #DIV/0! | #DIV/0! | 0.09906463740297348 Portefeuille de Prêts Net | 0.8236235454651024 | 0.1375306129197038 | 0.970786354006878 | 0.961631637281772 | 0.9026862262936466 | 0.9668451374917282 | 0.9404328573579035 | #DIV/0! | #DIV/0! | 0.9009353625970266 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 2025 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SYSTÈME PORTEFEUILLE PRÊTS BRUTS Type de Prêts accordés Prêts Commerciaux | 13964040.576108925 | 1079547.32 | 11874220.292917432 | 8383883.38058 | 26008020.860613756 | 42353255.13847 | 1232699.4951510748 | 0 | 104895667.0638412 Prêts à la Consommation | 3372515.27262 | 52875.34 | 456467.433542523 | 725422.74393 | 2186180.282854103 | 950914.94082 | 32244.521969537 | 0 | 7776620.535736164 Prêts au Logement | 1932949.80114 | 179283.9 | 1289838.647301675 | 1325681.07861 | 502654.44513 | 2950866.76094 | 3826216.149080326 | 0 | 12007490.782202002 TOTAL | 19269505.649868924 | 1311706.56 | 13620526.373761632 | 10434987.203119999 | 28696855.58859786 | 46255036.84023 | 5091160.166200938 | 0 | 124679778.38177936 (En pourcentage) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | TOTAL PORTEFEUILLE PRÊTS BRUTS Type de Prêts accordés Prêts Commerciaux | 0.7246704108469909 | 0.8230097743812458 | 0.8717886495041589 | 0.8034397376235659 | 0.9063021131467637 | 0.9156463389006221 | 0.24212545960244747 | #DIV/0! | 0.8413206088852865 Prêts à la Consommation | 0.17501825598950643 | 0.040310341971606815 | 0.033513200666154486 | 0.06951831658337855 | 0.07618187561018844 | 0.02055808417372069 | 0.006333433032337324 | #DIV/0! | 0.06237274910710489 Prêts au Logement | 0.10031133316350274 | 0.13667988364714742 | 0.09469814982968647 | 0.1270419457930556 | 0.017516011243047826 | 0.06379557692565718 | 0.7515411073652152 | #DIV/0! | 0.09630664200760859 TOTAL | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 1 TRIM 4 2025 (1er juillet au 30 septembre 2025) 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 88-1 - SUFFISANCE DES FONDS PROPRES AU 30 SEPTEMBRE 2025 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA*** | SCOTIA | SOUS-TOTAL | SYSTÈME Actif bilan et hors bilan net des déductions | 132063114.2167882 | 7352053.76959 | 52785717.02421248 | 54571427 | 199343219 | 256004226.81234658 | 702119757.8229373 | 12447048.856879996 | 12447048.856879996 | 0 | 714566806.6798172 Actif pondéré en fonction des risques | 25869601.75051636 | 584388.2683357744 | 20761620.340819713 | 30974287.9195 | 67209148.2979 | 79013280.84661108 | 224412327.42368293 | 8970438.516317874 | 8970438.516317874 | 0 | 233382765.9400008 Fonds propres réglementaires | 9120252.28489 | 1440378.3264099997 | 3769199.499625745 | 7463003 | 11662902.4 | 19138174.75622696 | 52593910.26715271 | 1130455.7733015213 | 1130455.7733015213 | 0 | 53724366.04045423 Ratio actif / fonds propres | 14.480204065800251 | 5.1042518724328945 | 14.004490085879967 | 7.3122611635021455 | 17.092076411442832 | 13.376627085561065 | 13.349829937658066 | 11.010646458576714 | 11.010646458576714 | #DIV/0! | #DIV/0! | 13.300609376046452 Ratio fonds propres sur actif à risques | 0.3525470694463999 | 2.464762563615318 | 0.18154649963495717 | 0.240941874738035 | 0.1735314714643455 | 0.2422146574748618 | 0.2343628394702987 | 0.12602012390421502 | 0.12602012390421502 | #DIV/0! | #DIV/0! | 0.2301985145478392 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 | 2808518.3452223856 | 2808518.3452223856 | OK resultsyscumul | somfinresult Avoir des actionnaires en % de l'actif | 0.08421120046586324 | 0.08421120046586325 | OK Dépôts en % de l'actif | 0.81477109153428 | 0.8147710915342798 | OK Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.14170186403708213 | 0.14170186403708213 | OK Provisions pour créances douteuses en % des prêts improductifs bruts | 0.6603806983383878 | 0.6603806983383876 | OK Prêts improductifs nets en % de l'avoir des actionnaires (tx. d'exposition) | 0.10063887351349272 | 0.10063887351349275 | OK Rentabilité ROA (rendement de l'actif) | 0.012917411935627574 | 0.012917411935627577 | OK ROE ( rendement avoir des action.) | 0.15227275675907165 | 0.15227275675907165 | OK Revenus nets d'intérêts en % des revenus d'intérêt | 0.8393286276389808 | 0.8393286276389808 | OK Rendement moyen des prêts | 0.10150050467118049 | 0.1015005046711805 | OK Rendement moyen des prêts productifs | 0.11791498270910987 | 0.11791498270910987 | OK Rémunération moyenne des dépôts | 0.007270329048268007 | 0.007270329048268008 | OK Dépenses d'exploitation en % du produit net bancaire | 0.6642697550030287 | 0.6642697550030287 | OK (marge nette d'int.+autres revenus) Productivité par employé ('000 gdes) Productivité par Employé ('000 gdes) | 7466.105149144025 | 7466.105149144025 | 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 | 706145.7533538063 | 0.017974913227978062 | 0.09138177564409888 Bons BRH …………………………………………………………..……………………….. | 2550 | 22050 | 21100 | 7.647058823529411 | -0.04308390022675734 Prêts nets…………………………………………………………………………………….. | 135169.2979284033 | 114560.79510082863 | 114870.23809416924 | -0.1524643772174552 | 0.002701124700367652 Dépôts……………………………………………………………………………………………………………. | 518509.10245981003 | 529395.8134583669 | 580157.5405407741 | 0.02099618106395873 | 0.09588615132937628 Avoir des actionnaires……………………………………………………………………………….. | 51004.77118639 | 53407.99184212357 | 60524.08776428315 | 0.047117565667559536 | 0.13324028252541442 RÉSULTATS Revenus nets d’intérêt………………………………………………………………………………… | 23124.85442381504 | 22251.44863461882 | 22115.76615247526 | -0.03776913675602411 | -0.006097692081605266 Autres revenus ……………………………………………………………………………………………. | 16533.585366275754 | 14954.229709915813 | 16099.82889389904 | -0.09552408756913788 | 0.07660703401015745 Dotation à la Provision pour Créances douteuses …………………………….. | 2684.8216542076243 | 3401.25077095801 | 1788.5793591022575 | 0.2668442112821927 | -0.47414069718873475 Frais d’exploitation …………………………………………………………………………………….. | 24885.3690903683 | 25764.37250967276 | 26082.950043034645 | 0.035322096936254654 | 0.012365041424637013 Bénéfice net (perte nette) ………………………………………………………………………….. | 9960.411650776854 | 6514.616889606573 | 8602.873370129184 | -0.34594903122317533 | 0.32054939160800355 (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 | 186323.65466745998 | 263882.4843373764 | 131958.31 | 0.01308244127312097 | 0.03510394606420797 | 0.0018679869089370804 | 0.1032168107388527 | 0.09703752761031059 | 0.11470098157514363 Bons BRH ………………………………………………. | 2000 | 0 | 0 | 2500 | 3150 | 14900 | 0 | 2500 | 17300 | 0.25 | #DIV/0! | #DIV/0! | -1 | -0.2063492063492064 | 0.1610738255033557 Prêts nets………………………………………………… | 35159.796225317004 | 49966.146876399995 | 19908.57 | 28451.664776420002 | 41228.653556239995 | 15801.864 | 25633.750895709993 | 44946.76600124 | 13908.018 | -0.1907898272762677 | -0.1748682631417171 | -0.20627830125418356 | -0.09904214403107348 | 0.09018272789161386 | -0.1198495316755036 Dépôts………………………………………………………… | 139060.4658677532 | 193362.64802974672 | 92208.311 | 140784.54451718094 | 202184.00908663866 | 93143.324 | 155250.47208046512 | 223067.37530544776 | 103662.456 | 0.012398050291787088 | 0.045620812223955864 | 0.010140224778653506 | 0.10275224182380893 | 0.10328891148785302 | 0.11293490019746355 Avoir des actionnaires…………………………… | 11096.548763020004 | 19405.385009920003 | 11461.524 | 11898.038289220005 | 20256.104800099998 | 11370.621 | 13548.779749249998 | 22488.77014051 | 12187.06 | 0.07222872113814516 | 0.04383936673995947 | -0.007931144235269305 | 0.13874064109590378 | 0.11022184978026872 | 0.0718024987377559 RÉSULTATS Revenus nets d’intérêt………………………………………………… | 5408.35053853 | 7230.70382645 | 5543.912 | 4436.446069990001 | 8163.338852434 | 5791.856 | 4730.2252917 | 8367.649057989998 | 5161.946 | -0.17970441479633914 | 0.12898260644730186 | 0.04472365362220754 | 0.06621949575748154 | 0.025027774694796667 | -0.10875788348329096 Autres revenus …………………………………………………………… | 3903.8771730500002 | 8152.50087599 | 989.751 | 3727.9437359099998 | 5913.7206104 | 1190.706 | 4214.266994279999 | 6754.226218150001 | 1095.175 | -0.04506633516918468 | -0.27461269856265225 | 0.20303591509379615 | 0.130453486646114 | 0.14212805492905245 | -0.08023055229418508 Dotation à la Provision pour Créances douteuses ………… | 1831.5841670700001 | 521.40126045 | 640 | 1061.0890807299998 | 1062.1532719200002 | 1010 | 930.81185158 | 639.12562593 | 200 | -0.42067140576595374 | 1.037112973227758 | 0.578125 | -0.12277690112537265 | -0.801980198019802 Frais d’exploitation ………………………………………………… | 5648.501279810001 | 8496.644744 | 4323.794 | 5827.849190309999 | 9094.2696875 | 4557.496 | 5906.53604697 | 9434.272571869999 | 4511.739 | 0.031751415395984806 | 0.0703365812630945 | 0.0540502160833749 | 0.013501869058456961 | 0.037386496778001765 | -0.01003994298623645 Bénéfice net (perte nette) …………………………………….. | 1304.36991861 | 5314.029670250003 | 1569.869 | 924.0115348600009 | 3050.528591554001 | 1415.066 | 1712.3885874300001 | 4050.0505193000017 | 1545.382 | -0.29160315515044033 | -0.4259481446571437 | -0.09860886481610875 | 0.8532112672050658 | 0.3276553219377707 | 0.0920918176254677