(2025-12) Banking System Statistical Report, December 2025

Banque de la République d'Haïti (BRH) • 2025 • 394 pages

Summary — The banking system at December 2025: total assets 725.4 billion gourdes, deposits 592.1 billion, gross loans 125.4 billion, non-performing loans 8.77% of gross loans. The workbook carries the balance sheet, income statement, prudential ratios, loan classification, credit by sector, deposits by branch and the exposure tables, for the system and for each of the 7 banks reporting.

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Key Findings

Total assets of the banking system: 725.4 billion gourdes.
Total deposits: 592.1 billion gourdes.
Gross loan portfolio: 125.4 billion gourdes.
Non-performing loans as a share of gross loans: 8.77%.
Banks reporting: 7.

Full Description

BRH's supervisory return for the quarter ending December 2025, filed as trimestre 1 of fiscal year 2026: the Haitian fiscal year ends 30 September, so this quarter closes December 2025. The workbook runs to 394 worksheets and reports both the system and each licensed bank by name. It carries the balance sheet in gourdes and in foreign currency, the income statement for the quarter and cumulated from October, the prudential and capital-adequacy ratios, the loan classification by grade, credit by sector under Circulaire 83-4, deposits and accounts by branch and locality, the large-exposure and related-party tables, and staff and branch counts. At this date the system reports 725.4 billion gourdes of assets, 592.1 billion of deposits and 125.4 billion of gross loans across 7 banks. The figures are BRH's final edition for this quarter.

Topics

Geography

Time Coverage

2025-12 — 2025-12

Keywords

supervision bancaire, système bancaire, bilan, compte de résultat, ratios prudentiels, prêts improductifs, crédit par secteur, dépôts, BRH, Haïti, period:2025-12, series:brh-rapports-statistiques

Entities

Banque de la République d'Haïti (BRH), Banque Nationale de Crédit, Banque Populaire Haïtienne, Banque de l'Union Haïtienne, Capital Bank, Société Générale Haïtienne de Banque d'Épargne et de Logement (Sogebel), Société Générale Haïtienne de Banque (Sogebank), Unibank

Full Document Text

Extracted text from the original document for search indexing.

[XXXX] [pagecouvert.] Banque de la République d’Haïti RAPPORT "STATISTIQUES" ET INDICATEURS FINANCIERS VERSION PROVISOIRE DONNÉES FINANCIÈRES TRIMESTRIELLES DES ÉTABLISSEMENTS BANCAIRES TRIM 1 2026 (1er octobre au 31 décembre 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 décembre 2025 | 39 Ratios financiers clés septembre 2025 | 40 Ratios financiers clés juin 2025 | 41 Ratios financiers clés mars 2025 | 42 Ratios financiers clés décembre 2024 | 43 Ratios financiers clés septembre 2024 | 44 Ratios financiers clés juin 2024 | 45 Ratios financiers clés mars 2024 | 46 Ratios financiers clés décembre 2023 | 47 Ratios financiers clés septembre 2023 | 48 Ratios financiers clés juin 2023 | 49 Ratios financiers clés mars 2023 | 50 Ratios financiers clés décembre 2022 | 51 Ratios financiers clés septembre 2022 | 52 Ratios financiers clés juin 2022 | 53 Ratios financiers clés mars 2022 | 54 Ratios financiers clés décembre 2021 | 55 Ratios financiers clés septembre 2021 | 56 Ratios financiers clés juin 2021 | 57 Ratios financiers clés mars 2021 | 58 Ratios financiers clés décembre 2020 | 59 Ratios financiers clés septembre 2020 | 60 Ratios financiers clés juin 2020 | 61 Bilan au 31 décembre 2025 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | 62 Gourdes et devises | 63 Devises seulement | 64 Gourdes seulement | 65 Bilan au 30 septembre 2025 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | 66 Bilan au 30 juin 2025 ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | 67 Bilan au 31 mars 2025 ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | 68 Bilan au 31 décembre 2024 ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | 69 Bilan au 30 septembre 2024 | 70 Bilan au 30 juin 2024 | 71 Bilan au 31 mars 2024 | 72 Bilan au 31 décembre 2023 | 73 Bilan au 30 septembre 2023 | 74 Bilan au 30 juin 2023 | 75 Bilan au 31 mars 2023 | 76 Bilan au 31 décembre 2022 | 77 Bilan au 30 septembre 2022 | 78 Bilan au 30 juin 2022 | 79 Bilan au 31 mars 2022 | 80 Bilan au 31 décembre 2021 | 81 Bilan au 30 septembre 2021 | 82 Bilan au 30 juin 2021 | 83 Bilan au 31 mars 2021 | 84 Bilan au 31 décembre 2020 | 85 Bilan au 30 septembre 2020 | 86 Résultats (Trim. 2 2024/ Trim. 2 2023) | 87 Résultats (Cumul oct.-mars. 24 / Cumul oct. -mars. 23) | 88 SECTION 4 | STATISTIQUES PAR BANQUE BNC (Banque Nationale de Crédit) | 89 BPH (Banque Populaire Haïtienne) | 95 BUH (Banque de l'Union Haïtienne) | 101 CAPITALBK (Capital Bank) | 107 CBNA (Citibank N.A.) | 113 SOGEBK (Société Générale Haïtienne de Banque) | 119 SOGEBL (Société Générale Haïtienne de Banque d'Epargne et de Logement) | 125 UNIBK (Unibank) | 131 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 1 2026 et TRIM 1 2025 doivent être lues comme étant le premier trimestre de l'exercice fiscal 2025-2026 (1er octobre au 31 décembre 2025) et le premier trimestre de l'exercice fiscal 2024-2025 (1er octobre au 31 décembre 2024). Les périodes CUMUL 2026 et CUMUL 2025 doivent être lues respectivement comme période cumulative allant du 1er octobre 2025 au 31 décembre 2025 et période cumulative allant du 1er octobre 2024 au 31 décembre 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 Déc. 2025 | 960 | 159 | 465 | 1107 | 1541 | 759 | 76 | 0 | 0 | 5067 [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 | 1975 | 400 | 0 | ** | 51363 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 Déc. 2025 | 20161 | 288 | 435 | 13428 | 8025 | 2076 | 364 | ** | ** | 44777 Mars98 | Juin 98 1327 | 1348 1050 | 1028 875 | 869 862 | 954 664 624 | 645 496 | 518 278 | 1539 171 | 186 103 12 | 22 0 | 636 0 0 | 2545 [nbre de cptes de dépôts ] NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 31 Décembre 2025 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 34413 | 2707 | 10536 | 24783 | 56953 | 11792 | 2943 | 0 | 144127 Épargne | 496260 | 9226 | 97591 | 744354 | 1260010 | 161662 | 3766 | 0 | 2772869 À Terme | 3017 | 117 | 816 | 10730 | 4198 | 594 | 757 | 0 | 20229 TOTAL | 533690 | 12050 | 108943 | 779867 | 1321161 | 174048 | 7466 | 0 | 2937225 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 [dépôts P-AU-P et Prov.] RÉPARTITION DES DÉPÔTS DANS LA REGION METROPOLITAINE En Milliers de Gourdes Au 31 Décembre 2025 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 37843745.070864476 | 1714858.38065 | 18665079.35473723 | 17160284 | 63114476.184709996 | 93335356.74367003 | 3759761.4346200004 | 0 | 0 | 235593561.1692517 Épargne | 24765424.906408764 | 681403.17602 | 6965341.3590584565 | 10344004 | 33996545.83089 | 57559510.3196 | 1482960.05067 | 0 | 0 | 135795189.64264724 À terme | 10786770.97099313 | 2183902.25802 | 11898161.529563189 | 9608972 | 22165376.612820003 | 28955058.352350008 | 3478189.4939699997 | 0 | 0 | 89076431.21771634 TOTAL | 73395940.94826637 | 4580163.814689999 | 37528582.24335887 | 37113260 | 119276398.62842 | 179849925.41562003 | 8720910.97926 | 0 | 0 | 460465182.0296153 RÉPARTITION DES DÉPÔTS DANS LES VILLES DE PROVINCE En Milliers de Gourdes Au 31 Décembre 2025 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 9704791.377790516 | N/A | 2992919.1562028243 | 2294611 | 13941027.18447 | 15319233.32924 | N/A | N/A | N/A | 44252582.04770334 Épargne | 21057167.091838602 | N/A | 3122904.380919952 | 3214121 | 20326812.81979 | 27718398.230309997 | N/A | N/A | N/A | 75439403.52285855 À terme | 2611944.000414328 | N/A | 2042313.0971471558 | 173395 | 4830692.32981 | 2265956.1465099994 | N/A | N/A | N/A | 11924300.573881483 | 0 TOTAL | 33373902.470043443 | N/A | 8158136.634269932 | 5682127 | 39098532.33407 | 45303587.70605999 | N/A | N/A | N/A | 131616286.14444336 | 0 SCOTIA | 1327 PROMOBK | 1050 SOGEBK | 875 UNIBK | 862 CAPITALBK | 664 SOCABK | 624 SOGEBL | 496 BPH | 278 CBNA | 171 BICH | 103 BMH | 12 BIDC | 0 BNC | 0 BUH | 0 TABLEAU RÉCAPITULATIF DES DIFFERENTS TYPES DE DÉPOTS PAR BANQUE En Milliers de Gourdes Au 31 Décembre 2025 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 47548536.448654994 | 1714858.38065 | 21657998.510940053 | 19454895 | 77055503.36918 | 108654590.07291003 | 3759761.4346200004 | 0 | 0 | 279846143.21695507 Épargne | 45822591.99824737 | 681403.17602 | 10088245.739978408 | 13558125 | 54323358.65068 | 85277908.54991 | 1482960.05067 | 0 | 0 | 211234593.1655058 À terme | 13398714.971407458 | 2183902.25802 | 13940474.626710344 | 9782367 | 26996068.942630004 | 31221014.49886001 | 3478189.4939699997 | 0 | 0 | 101000731.79159781 TOTAL | 106769843.41830982 | 4580163.814689999 | 45686718.8776288 | 42795387 | 158374930.96249 | 225153513.12168002 | 8720910.97926 | 0 | 0 | 592081468.1740587 [ dépôts à vue] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À VUE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) Au 31 Décembre 2025 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 16285476.53226915 | 252835.17122000002 | 727398.60478342 | 12978836.2204 | 3557119.15985 | 1823940 | 1080396.11943 | 36706001.80795257 Place Geffrard | 0 | 0 | 0 | 4751642.54928 | 0 | 0 | 0 | 0 | 4751642.54928 Place Geffrard 2 | 0 | 0 | 0 | 154581.25822999998 | 0 | 0 | 0 | 0 | 154581.25822999998 Rue Pavée | 863518.5742511561 | 0 | 0 | 2312930.6071200003 | 0 | 0 | 0 | 0 | 3176449.181371156 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 863518.5742511561 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 863518.5742511561 Delmas | 3081625.4737405367 | 30564.91552 | 2694939.8587712003 | 7940319.98721 | 14277876.995390002 | 2017792 | 1219199.68967 | 0 | 31262318.92030174 Delmas 52 | 1915204.7568877041 | 0 | 0 | 0 | 0 | 0 | 0 | 1915204.7568877041 Delmas 2 | 355591.262343616 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 355591.262343616 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 1653777 | 0 | 0 | 1653777 Delmas 32 | 810829.4545092161 | 0 | 0 | 0 | 2212465.35452 | 0 | 0 | 0 | 3023294.809029216 0 | 0 | 0 | 6418880.8778099995 | 0 | 0 | 0 | 0 | 6418880.8778099995 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 364015 | 1219199.68967 | 0 | 1583214.68967 Delmas 48 | 0 | 0 | 0 | 1521439.1094 | 0 | 0 | 0 | 0 | 1521439.1094 Delmas-Aéroport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 16 | 0 | 0 | 0 | 0 | 3767764.92206 | 0 | 0 | 0 | 3767764.92206 Delmas 18 | 2692422.52754 | 2692422.52754 Delmas 71 | 0 | 0 | 24897.119951572 | 0 | 5322140.856930001 | 0 | 0 | 0 | 5347037.976881573 Kiosque Mégamart | 0 | 0 | 0 | 0 | 22398.54501 | 0 | 0 | 0 | 22398.54501 Delmas 35 | 1378753.2540582719 Delmas 64 | 1291289.4847613564 Delmas 75 | 260684.78932999997 Pétion-Ville | 9572219.6022938 | 792493.95871 | 7093773.144600252 | 14326082.802339999 | 29106457.42164 | 6804303 | 797740.68844 | 0 | 68493070.61802405 P-V 1 | 3035954.4834158923 | 792493.95871 | 2594999.1937266877 | 3038241.68692 | 13245284.79794 | 3300849 | 797740.68844 | 0 | 26805563.809152577 Place Boyer | 2002739.6127107362 | 0 | 259705.94607435603 | 0 | 0 | 1984025 | 0 | 0 | 4246470.558785092 Choucoune Plaza | 2100855.3839733237 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2100855.3839733237 P-V 2 | 0 | 0 | 2224449.230454004 | 3190471.12934 | 7500506.14575 | 1519429 | 0 | 0 | 14434855.505544003 P-V 3 | 2432670.1221938482 | 0 | 0 | 7973128.647220001 | 4569398.598970001 | 0 | 0 | 0 | 14975197.36838385 P-V 4 | 0 | 0 | 0 | 124241.33886 | 2087120.43006 | 0 | 0 | 0 | 2211361.7689199997 Juvénat | 2014618.7743452042 | 1704147.44892 Lalue | 1627522.2611862284 | 0 | 332492.6144073601 | 1547435.8687499997 | 2820262.10965 | 0 | 0 | 0 | 6327712.853993588 Champs de Mars | 0 | 0 | 0 | 996255.4993400001 | 0 | 0 | 0 | 0 | 996255.4993400001 Laboule | 0 | 0 | 0 | 0 | 1139065.0250900001 | 284504 | 0 | 0 | 1423569.0250900001 Aéroport | 0 | 159823.44751 | 603304.375323648 | 5324315.72838 | 2849209.97307 | 2145016 | 0 | 0 | 11081669.524283648 Aéroport 2 | 0 | 0 | 0 | 1547541.3942899997 | 0 | 370779 | 0 | 0 | 1918320.3942899997 Carrefour | 743018.85866646 | 0 | 134492.893827628 | 1845567.06608 | 0 | 41189 | 0 | 0 | 2764267.818574088 Arcachon | 243659.675402776 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 243659.675402776 Carrefour | 499359.18326368404 | 0 | 0 | 1504904.4203299999 | 0 | 0 | 0 | 0 | 2004263.6035936838 Truitiers | 0 | 0 | 0 | 340662.6457500001 | 0 | 0 | 0 | 0 | 340662.6457500001 Thor | 0 | 0 | 0 | 0 | 1484435.99836 | 0 | 0 | 0 | 1484435.99836 Diquini | 0 | 0 | 0 | 383568.5157 | 0 | 40317 | 0 | 0 | 423885.5157 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 | 544219.64711 | 0 | 0 | 0 | 544219.64711 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 500575 | 0 | 0 | 500575 Parc Industriel | 1851315.0139957 | 466294.01879 | 5093364.497897404 | 0 | 0 | 0 | 0 | 0 | 7410973.530683104 Varreux | 0 | 0 | 0 | 0 | 8141290.471100001 | 165750 | 0 | 0 | 8307040.471100001 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 1078984.55033 | 0 | 0 | 0 | 1078984.55033 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 170.7644 | 0 | 0 | 0 | 170.7644 Canapé-Vert | 0 | 0 | 0 | 0 | 1572486.28974 | 0 | 0 | 0 | 1572486.28974 Rue Capois | 0 | 0 | 0 | 0 | 1430406.22099 | 0 | 0 | 0 | 1430406.22099 Damien | 226563.681060264 | 0 | 69406.40086478801 | 1584135.5181699998 | 3547826.70629 | 0 | 0 | 0 | 5427932.306385051 Frères | 400995.62155358004 | 0 | 964487.3342390001 | 1672101.2815300003 | 2178887.12731 | 41323 | 0 | 0 | 5257794.36463258 Portail Léogane | 0 | 0 | 0 | 133277.9708 | 495132.73981 | 0 | 0 | 0 | 628410.71061 Croix des Bossales | 0 | 0 | 0 | 0 | 81764.5136 | 0 | 0 | 0 | 81764.5136 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 2037055.61755 | 0 | 0 | 0 | 2037055.61755 Martissant | 0 | 0 | 0 | 0 | 1206961.24348 | 0 | 0 | 0 | 1206961.24348 Nazon | 0 | 0 | 0 | 0 | 718370.95562 | 0 | 0 | 0 | 718370.95562 Croix des Bouquets | 392194.20640234806 | 0 | 0 | 202556.61344 | 1431637.39935 | 0 | 0 | 0 | 2026388.2191923482 Lathan | 0 | 0 | 0 | 567827.8448 | 636093.1752 | 0 | 0 | 0 | 1203921.02 Turgeau | 868729.506003848 | 0 | 0 | 3941169.8223599996 | 6111705.14481 | 0 | 662424.9370800001 | 0 | 11584029.410253849 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 493587.2363614081 | 12846.8689 | 824003.15522032 | 904329.6364900001 | 2610860.7411700003 | 1216204 | 0 | 0 | 6061831.638141729 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 1740906.88575 | . | 0 | 0 | 1740906.88575 Avenue Christophe | 0 | 0 | 0 | 0 | 2113225.3301500003 | 0 | 0 | 0 | 2113225.3301500003 Autres succursales non précisées | 1436978.5030800002 | 0 | 127416.47480220802 | 0 | 422944.53686 | 1708592 | 0 | 0 | 3695931.514742208 TOTAL | 37843745.070864476 | 1714858.38065 | 18665079.35473723 | 63114476.184709996 | 93335356.74367003 | 17160284 | 3759761.4346200004 | 0 | 235593561.1692517 0 VILLES DE PROVINCES Aquin | 227372.8235238 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 227372.8235238 Jacmel | 900725.369941392 | 0 | 0 | 1219267.18001 | 946446.5015199999 | 339557 | 0 | 0 | 3405996.051471392 Hinche | 809668.339541228 | 0 | 0 | 456417.16428 | 982348.20164 | 265763 | 0 | 0 | 2514196.7054612283 Cap-Haïtien | 1098035.4346784 | 0 | 1438444.420908656 | 2904331.45515 | 4206176.22672 | 711294 | 0 | 0 | 10358281.537457056 Cap-Haïtien 1 | 1098035.4346784 | 0 | 1075061.279260616 | 1261271.32117 | 2916836.1933199996 | 502806 | 0 | 0 | 6854010.228429016 Cap-Haïtien 2 | 0 | 0 | 363383.14164804004 | 1643060.1339799997 | 1289340.0334 | 208488 | 0 | 0 | 3504271.3090280397 Cayes | 1528486.355532656 | 0 | 188240.15201792 | 1689001.22736 | 2202614.54122 | 504309 | 0 | 0 | 6112651.276130576 Cayes 1 | 1143880.94161184 | 0 | 188240.15201792 | 0 | 1731687.92348 | 0 | 0 | 0 | 3063809.01710976 Cayes 2 | 384605.413920816 | 0 | 0 | 0 | 470926.61774 | 0 | 0 | 0 | 855532.0316608159 Cabaret | 308801.05034236005 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 308801.05034236005 Cap Saint-Michel | 0 | 0 | 0 | 367750.47821 | 0 | 0 | 0 | 0 | 367750.47821 Ouanaminthe | 190698.92560670798 | 0 | 106862.582894556 | 273894.46199 | 617924.67908 | 0 | 0 | 0 | 1189380.6495712642 Fort-Liberté | 527654.5095388481 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 527654.5095388481 Gonaïves | 510455.47733211203 | 0 | 273452.903918856 | 1411429.48921 | 1143682.34661 | 274592 | 0 | 0 | 3613612.217070968 Port-de-Paix | 805423.0520924799 | 0 | 391941.0606119 | 285613.75723000005 | 504927.20422 | 0 | 0 | 0 | 1987905.07415438 Petit-Goave | 149428.35651200401 | 0 | 0 | 178705.2905 | 329376.51762 | 0 | 0 | 0 | 657510.164632004 Miragoane | 348436.59090943995 | 0 | 0 | 493302.74202 | 352768.50509000005 | 0 | 0 | 0 | 1194507.83801944 Mirebalais | 0 | 0 | 0 | 979092.06546 | 849131.40745 | 0 | 0 | 0 | 1828223.47291 Jérémie | 295134.87869630405 | 0 | 0 | 488893.72501 | 416673.63287000003 | 0 | 0 | 0 | 1200702.236576304 La Gonave | 0 | 0 | 0 | 0 | 166580.66644 | 0 | 0 | 0 | 166580.66644 Léogane | 573936.333523876 | 0 | 0 | 1140481.15311 | 629229.3560799999 | 0 | 0 | 0 | 2343646.842713876 Fonds-des-Nègres | 225316.460367168 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 225316.460367168 Limbé | 0 | 0 | 0 | 0 | 157297.28754 | 0 | 0 | 0 | 157297.28754 Vertières | 293252.53023070004 | 0 | 0 | 504019.2601 | 380441.57165999996 | 66347 | 0 | 0 | 1244060.3619907 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 4910.483931975999 St-Marc | 493305.752773212 | 0 | 593978.035850936 | 1548827.73483 | 1433614.68348 | 132749 | 0 | 0 | 4202475.2069341475 Belladerre | 413748.652715852 TOTAL | 9704791.377790516 | 0 | 2992919.1562028243 | 13941027.18447 | 15319233.32924 | 2294611 | 0 | 0 | 44252582.04770334 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 | 47548536.448654994 | 1714858.38065 | 21657998.510940053 | 77055503.36918 | 108654590.07291003 | 19454895 | 3759761.4346200004 | 0 | 279846143.21695507 [ dépôts d'épargne] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS D'ÉPARGNE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) Au 31 Décembre 2025 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 3930628.003724824 | 177867.03422 | 338224.488186496 | 3742423.25525 | 2435671.1138000004 | 987595 | 584457.56186 | 0 | 12196866.457041321 Place Geffrard | 0 | 0 | 0 | 2886612.57219 | 0 | 0 | 0 | 0 | 2886612.57219 Place Geffrard 2 | 0 | 0 | 0 | 246886.60523000002 | 0 | 0 | 0 | 0 | 246886.60523000002 Rue Pavée II | 1533252.786386992 | 0 | 0 | 1068719.98577 | 0 | 0 | 0 | 0 | 2601972.772156992 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 1533252.786386992 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1533252.786386992 Delmas | 4654316.2361251 | 57804.04201 | 929613.518916796 | 2914097.3551 | 8566821.32645 | 1817354 | 326776.47783 | 0 | 19266782.956431895 Delmas 52 | 1828996.724581948 | 0 | 0 | 0 | 0 | 0 | 0 | 1828996.724581948 Delmas 2 | 1711295.75572254 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1711295.75572254 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 1183188 | 0 | 0 | 1183188 Delmas 32 | 1114023.755820612 | 0 | 0 | 0 | 3525515.6693200003 | 0 | 0 | 0 | 4639539.425140612 Delmas 53 | 0 | 0 | 0 | 1579202.87797 | 0 | 0 | 0 | 0 | 1579202.87797 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 634166 | 326776.47783 | 0 | 960942.47783 Delmas 48 | 0 | 0 | 0 | 1334894.4771299998 | 0 | 0 | 0 | 0 | 1334894.4771299998 Delmas-Aéroport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 16 | 0 | 0 | 0 | 0 | 1628569.8567899999 | 0 | 0 | 0 | 1628569.8567899999 Delmas 18 | 618786.67155 | 618786.67155 Delmas 71 | 0 | 0 | 87704.506917808 | 0 | 2432500.97836 | 0 | 0 | 0 | 2520205.4852778083 Kiosque Mégamart | 0 | 0 | 0 | 0 | 49913.27073 | 0 | 0 | 0 | 49913.27073 Delmas 35 | 458936.20887122 Delmas 64 | 382972.80312776804 Delmas 75 | 311534.8797 Pétion-Ville | 4770059.667722356 | 195824.13386 | 2452122.3504823158 | 5996470.9308400005 | 9639971.290960003 | 2957945 | 239441.53303000002 | 0 | 26251834.906894673 P-V 1 | 2069432.95410102 | 195824.13386 | 1129683.339065032 | 1968179.93874 | 4667089.34453 | 1315966 | 239441.53303000002 | 0 | 11585617.243326053 Place Boyer | 1279953.513189972 | 0 | 197051.333144712 | 0 | 0 | 782453 | 0 | 0 | 2259457.8463346837 Choucoune Plaza | 1317770.517295508 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1317770.517295508 P-V 2 | 0 | 0 | 649727.735814028 | 1182951.2686799997 | 2054704.4620400001 | 859526 | 0 | 0 | 4746909.466534028 P-V 3 | 102902.683135856 | 0 | 0 | 2749074.1178200003 | 1739883.5752 | 0 | 0 | 0 | 4591860.376155856 P-V 4 | 0 | 0 | 0 | 96265.60560000001 | 798358.57987 | 0 | 0 | 0 | 894624.18547 Juvénat | 475659.9424585439 | 379935.32932 Lalue | 1231443.5822834 | 0 | 518008.94085028 | 1542217.9487 | 2471597.98868 | 0 | 0 | 0 | 5763268.460513679 Champs de Mars | 0 | 0 | 0 | 1043820.81223 | 0 | 0 | 0 | 0 | 1043820.81223 Laboule | 0 | 0 | 0 | 0 | 914978.6586599998 | 605200 | 0 | 0 | 1520178.6586599997 Aéroport | 0 | 114179.81946 | 244517.364264136 | 905407.58968 | 845774.05421 | 727983 | 0 | 0 | 2837861.827614136 Aéroport 2 | 0 | 0 | 0 | 1398033.12728 | 0 | 232502 | 0 | 0 | 1630535.12728 Carrefour | 2218780.7313469723 | 0 | 395246.34091182 | 3570193.4821900004 | 0 | 546705 | 0 | 0 | 6730925.554448793 Arcachon | 1241092.5157323761 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1241092.5157323761 Carrefour | 977688.215614596 | 0 | 0 | 2348154.0272600004 | 0 | 0 | 0 | 0 | 3325842.2428745963 Truitiers | 0 | 0 | 0 | 1222039.45493 | 0 | 0 | 0 | 0 | 1222039.45493 Thor | 0 | 0 | 0 | 0 | 3540449.7458699998 | 0 | 0 | 0 | 3540449.7458699998 Diquini | 0 | 0 | 0 | 913112.50858 | 0 | 433479 | 0 | 0 | 1346591.5085800001 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 | 471713.91275 | 0 | 0 | 0 | 471713.91275 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 643613 | 0 | 0 | 643613 Parc Industriel | 1655403.593505244 | 101465.61256 | 761417.5668503202 | 0 | 0 | 0 | 0 | 0 | 2518286.7729155645 Varreux | 0 | 0 | 0 | 0 | 2454074.4870100003 | 136010 | 0 | 0 | 2590084.4870100003 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 1296075.64739 | 0 | 0 | 0 | 1296075.64739 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 79485.95303 | 0 | 0 | 0 | 79485.95303 Canapé-Vert | 0 | 0 | 0 | 0 | 1129415.63069 | 0 | 0 | 0 | 1129415.63069 Rue Capois | 0 | 0 | 0 | 0 | 1974671.8810600003 | 0 | 0 | 0 | 1974671.8810600003 Damien | 920499.274213264 | 0 | 178335.955421616 | 1097903.51389 | 2434114.7035 | 0 | 0 | 0 | 4630853.44702488 Frères | 622048.3431062481 | 0 | 493968.4923633879 | 1627378.69546 | 2674672.32772 | 56536 | 0 | 0 | 5474603.858649636 Portail Léogane | 0 | 0 | 0 | 403515.18077 | 1188933.94667 | 0 | 0 | 0 | 1592449.12744 Croix des Bossales | 0 | 0 | 0 | 0 | 361321.87497 | 0 | 0 | 0 | 361321.87497 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 696030.72766 | 0 | 0 | 0 | 696030.72766 Martissant | 0 | 0 | 0 | 179.85542999999998 | 1482116.69821 | 0 | 0 | 0 | 1482296.55364 Nazon | 0 | 0 | 0 | 0 | 1069410.82835 | 0 | 0 | 0 | 1069410.82835 Croix des Bouquets | 1006872.0484597121 | 0 | 0 | 652053.13748 | 1785459.64993 | 0 | 0 | 0 | 3444384.835869712 Lathan | 0 | 0 | 0 | 1128728.22118 | 1343367.18007 | 0 | 0 | 0 | 2472095.40125 Turgeau | 1176566.784394296 | 0 | 0 | 2097102.6799900003 | 3039008.52283 | 0 | 332284.47795000003 | 0 | 6644962.465164296 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 1045552.034364936 | 34262.53391 | 484186.416354964 | 761688.37365 | 3474847.44868 | 659721 | 0 | 0 | 6460257.806959899 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 588551.08796 | . | 0 | 0 | 588551.08796 Avenue Christophe | 0 | 0 | 0 | 0 | 936524.06684 | 0 | 0 | 0 | 936524.06684 Autres succursales non précisées | 1.8207754160000005 | 0 | 169699.92445632402 | 0 | 664449.56565 | 539361 | 0 | 0 | 1373512.31088174 TOTAL | 24765424.906408764 | 681403.17602 | 6965341.3590584565 | 33996545.83089 | 57559510.3196 | 10344004 | 1482960.05067 | 0 | 135795189.64264724 VILLES DE PROVINCES Aquin | 1430264.4582895879 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1430264.4582895879 Jacmel | 1007932.546127604 | 0 | 0 | 1718725.1920300003 | 1892328.97559 | 404310 | 0 | 0 | 5023296.713747604 Hinche | 1204192.391169704 | 0 | 0 | 520561.27715 | 845153.05331 | 560397 | 0 | 0 | 3130303.721629704 Cap-Haïtien | 1843189.2355645602 | 0 | 1084200.35347894 | 4309698.28349 | 5107776.23917 | 896317 | 0 | 0 | 13241181.1117035 Cap-Haïtien 1 | 1843189.2355645602 | 0 | 822434.127826652 | 1415115.64778 | 2425831.83957 | 708107 | 0 | 0 | 7214677.850741212 Cap-Haïtien 2 | 0 | 0 | 261766.22565228803 | 2894582.63571 | 2681944.3996 | 188210 | 0 | 0 | 6026503.260962289 Cayes | 2082128.442828928 | 0 | 549556.538450424 | 1909626.98295 | 3806541.2325000004 | 460859 | 0 | 0 | 8808712.196729353 Cayes 1 | 1511068.293349424 | 0 | 549556.538450424 | 0 | 2598425.87594 | 0 | 0 | 0 | 4659050.707739849 Cayes 2 | 571060.149479504 | 0 | 0 | 0 | 1208115.3565600002 | 0 | 0 | 0 | 1779175.5060395042 Cabaret | 1233363.341033728 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1233363.341033728 Cap Saint-Michel | 0 | 0 | 0 | 924469.01764 | 0 | 0 | 0 | 0 | 924469.01764 Ouanaminthe | 312908.50154588005 | 0 | 373571.80066644796 | 685008.91064 | 1058086.63547 | 0 | 0 | 0 | 2429575.848322328 Fort-Liberté | 611368.044042032 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 611368.044042032 Gonaïves | 1784771.872433132 | 0 | 444127.163534948 | 2536954.20236 | 2630131.8108599996 | 409816 | 0 | 0 | 7805801.04918808 Port-de-Paix | 1589763.745348316 | 0 | 426701.94127266796 | 709405.495 | 1302576.01367 | 0 | 0 | 0 | 4028447.1952909837 Petit-Goave | 893306.4252976639 | 0 | 0 | 740574.56162 | 1046821.5148199999 | 0 | 0 | 0 | 2680702.5017376635 Miragoane | 733092.77239892 | 0 | 0 | 1471169.8628099998 | 1186865.17222 | 0 | 0 | 0 | 3391127.8074289197 Mirebalais | 0 | 0 | 0 | 891354.70127 | 1095460.3756300001 | 0 | 0 | 0 | 1986815.0769000002 Jérémie | 777972.6488111961 | 0 | 0 | 679964.0948399999 | 1072930.52587 | 0 | 0 | 0 | 2530867.269521196 La Gonave | 0 | 0 | 0 | 0 | 1225740.64679 | 0 | 0 | 0 | 1225740.64679 Léogane | 1683051.324951664 | 0 | 0 | 1119592.92955 | 872665.77215 | 0 | 0 | 0 | 3675310.026651664 Fonds-des-Nègres | 836448.126899004 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 836448.126899004 Limbé | 0 | 0 | 0 | 0 | 993512.66074 | 0 | 0 | 0 | 993512.66074 Vertières | 493196.92522085604 | 0 | 0 | 469182.47770000005 | 1333840.5399000002 | 178550 | 0 | 0 | 2474769.9428208563 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 41666.74597506801 St-Marc | 2046583.6698769801 | 0 | 244746.583516524 | 1640524.8307400001 | 2247967.06162 | 303872 | 0 | 0 | 6483694.145753505 Belladerre | 451965.874023772 TOTAL | 21057167.091838602 | 0 | 3122904.380919952 | 20326812.81979 | 27718398.230309997 | 3214121 | 0 | 0 | 75439403.52285855 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 | 45822591.99824737 | 681403.17602 | 10088245.739978408 | 54323358.65068 | 85277908.54991 | 13558125 | 1482960.05067 | 0 | 211234593.16550577 -0.0018561780452728271 [ dépôts à terme] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À TERME PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) Au 31 Décembre 2025 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 1510813.217458132 | 129472.02329 | 85137.53011419601 | 9367011.853559999 | 5342869.587940001 | 2502492 | 1121703.61681 | 0 | 20059499.829172328 Place Geffrard | 0 | 0 | 0 | 534057.62287 | 0 | 0 | 0 | 0 | 534057.62287 | 279846143.218196 Place Geffrard 2 | 0 | 0 | 0 | 24761.070829999997 | 0 | 0 | 0 | 0 | 24761.070829999997 | 211234593.16736194 Rue Pavée II | 121991.79378622002 | 0 | 0 | 262830.07146 | 0 | 0 | 0 | 0 | 384821.86524622 | 101000731.79013881 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 592081468.1756967 Pavée 2 | 121991.79378622002 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 121991.79378622002 Delmas | 778323.621102592 | 833.59686 | 2314598.910731216 | 1920378.1553399998 | 1727520.6431700003 | 785134 | 1167714.93319 | 0 | 8694503.860393807 Delmas 52 | 596761.452481608 | 0 | 0 | 0 | 0 | 0 | 0 | 596761.452481608 Delmas 2 | 98132.033257752 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 98132.033257752 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 589918 | 0 | 0 | 589918 Delmas 32 | 83430.135363232 | 0 | 0 | 0 | 462992.59393000003 | 0 | 0 | 0 | 546422.7292932321 Delmas 55 | 0 | 0 | 0 | 1710723.3202399998 | 0 | 0 | 0 | 0 | 1710723.3202399998 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 195216 | 1167714.93319 | 0 | 1362930.93319 Delmas 48 | 0 | 0 | 0 | 209654.83509999997 | 0 | 0 | 0 | 0 | 209654.83509999997 Delmas-Aéroport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 16 | 0 | 0 | 0 | 0 | 186776.62937 | 0 | 0 | 0 | 186776.62937 Delmas 18 | 113198.61178 | 113198.61178 Delmas 71 | 0 | 0 | 1255.879156 | 0 | 948419.30915 | 0 | 0 | 0 | 949675.188306 Kiosque Mégamart | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 35 | 568331.0420115881 Delmas 64 | 1745011.989563628 Delmas 75 | 16133.49894 Pétion-Ville | 6237675.547673984 | 2052791.3957800001 | 7497640.165484401 | 4639082.2310500005 | 14116716.186890002 | 2635534 | 851671.61784 | 0 | 38031111.144718386 P-V 1 | 204846.64581750002 | 2052791.3957800001 | 3203398.8944014446 | 2958409.08815 | 3667843.1020500003 | 1295094 | 851671.61784 | 0 | 14234054.744038945 Place Boyer | 763304.417074692 | 0 | 246509.23765198002 | 0 | 0 | 129464 | 0 | 0 | 1139277.654726672 Choucoune Plaza | 1724908.80757396 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1724908.80757396 P-V 2 | 0 | 0 | 2832977.7659810763 | 1206538.30585 | 8656573.25033 | 1210976 | 0 | 0 | 13907065.322161075 P-V 3 | 3544615.677207832 | 0 | 0 | 474134.83705000003 | 1698053.05182 | 0 | 0 | 0 | 5716803.566077832 P-V 4 | 0 | 0 | 0 | 0 | 40236.370579999995 | 0 | 0 | 0 | 40236.370579999995 Juvénat | 1214754.2674499003 | 54010.41211 Lalue | 77523.839212264 | 0 | 69655.826685828 | 390013.85125 | 327489.60143 | 0 | 0 | 0 | 864683.118578092 Champs de Mars | 0 | 0 | 0 | 81433.71968 | 0 | 0 | 0 | 0 | 81433.71968 Laboule | 0 | 0 | 0 | 0 | 194906.63283 | 164674 | 0 | 0 | 359580.63283 Aéroport | 0 | 304.83113 | 135850.245958504 | 1646193.32346 | 58229.28027 | 966266 | 0 | 0 | 2806843.680818504 Aéroport 2 | 0 | 0 | 0 | 805869.53251 | 0 | 49792 | 0 | 0 | 855661.53251 Carrefour | 272795.15651445603 | 0 | 11021.925755408001 | 845705.16194 | 0 | 95412 | 0 | 0 | 1224934.2442098642 Arcachon | 92847.593702368 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 92847.593702368 Carrefour | 179947.562812088 | 0 | 0 | 776617.59215 | 0 | 0 | 0 | 0 | 956565.154962088 Truitiers | 0 | 0 | 0 | 69087.56979 | 0 | 0 | 0 | 0 | 69087.56979 Thor | 0 | 0 | 0 | 0 | 446112.10948999994 | 0 | 0 | 0 | 446112.10948999994 Diquini | 0 | 0 | 0 | 157476.06608 | 0 | 75489 | 0 | 0 | 232965.06608 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 | 215615.37322 | 0 | 0 | 215615.37322 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 864951 | 0 | 0 | 864951 Parc Industriel | 852392.281018916 | 500.41096 | 1500958.9741381481 | 0 | 0 | 0 | 0 | 0 | 2353851.666117064 Varreux | 0 | 0 | 0 | 0 | 535883.1386200001 | 2416 | 0 | 0 | 538299.1386200001 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 269031.27493 | 0 | 0 | 0 | 269031.27493 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 702.9187800000001 | 0 | 0 | 0 | 702.9187800000001 Canapé-Vert | 0 | 0 | 0 | 0 | 15326.13602 | 0 | 0 | 0 | 15326.13602 Rue Capois | 0 | 0 | 0 | 0 | 48238.859200000006 | 0 | 0 | 0 | 48238.859200000006 Damien | 231890.618545792 | 0 | 0 | 244170.7297 | 263151.73104 | 0 | 0 | 0 | 739213.079285792 Frères | 135006.759623656 | 0 | 43680.371077464 | 353883.96077000006 | 984795.9932699999 | 43457 | 0 | 0 | 1560824.0847411198 Portail Léogane | 0 | 0 | 0 | 68324.58904 | 23968.12814 | 0 | 0 | 0 | 92292.71718 Croix des Bossales | 0 | 0 | 0 | 0 | 272.98619 | 0 | 0 | 0 | 272.98619 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 8794.61331 | 0 | 0 | 0 | 8794.61331 Martissant | 0 | 0 | 0 | 0 | 76445.62083 | 0 | 0 | 0 | 76445.62083 Nazon | 0 | 0 | 0 | 0 | 94083.75402 | 0 | 0 | 0 | 94083.75402 Croix des Bouquets | 87689.54106703201 | 0 | 0 | 98781.35717 | 161100.67844 | 0 | 0 | 0 | 347571.576677032 Lathan | 0 | 0 | 0 | 116518.55703 | 117092.80690000001 | 0 | 0 | 0 | 233611.36393 Turgeau | 338327.3617459 | 0 | 0 | 513771.62781 | 3327860.6133499998 | 0 | 337099.32613 | 0 | 4517058.9290359 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 142340.83324418397 | 0 | 239356.33081802403 | 95113.13127 | 257122.91676 | 347700 | 0 | 0 | 1081633.212092208 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 126495.64975999999 | . | 0 | 0 | 126495.64975999999 Avenue Christophe | 0 | 0 | 0 | 0 | 108629.77258 | 0 | 0 | 0 | 108629.77258 Autres succursales non précisées | 0.4 | 0 | 261.2488 | 106601.34496999999 | 1075655 | 0 | 0 | 1182517.99377 TOTAL | 10786770.97099313 | 2183902.25802 | 11898161.529563189 | 22165376.612820003 | 28955058.352350008 | 9608972 | 3478189.4939699997 | 0 | 89076431.21771634 0 VILLES DE PROVINCES Aquin | 201702.994670636 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 201702.994670636 Jacmel | 109554.61839681602 | 0 | 0 | 92735.33997 | 53965.01414 | 0 | 0 | 0 | 256254.97250681603 Hinche | 267194.59528186 | 0 | 0 | 83352.08097 | 32863.39141 | 16727 | 0 | 0 | 400137.06766185997 Cap-Haïtien | 282333.79842296406 | 0 | 1288063.681823036 | 2636901.2522600004 | 543938.1219599999 | 97063 | 0 | 0 | 4848299.854466001 Cap-Haïtien 1 | 282333.79842296406 | 0 | 121642.94214966 | 1744745.71347 | 212686.8307 | 70834 | 0 | 0 | 2432243.284742624 Cap-Haïtien 2 | 0 | 0 | 1166420.7396733759 | 892155.5387900001 | 331251.29125999997 | 26229 | 0 | 0 | 2416056.569723376 Cayes | 190024.50959516002 | 0 | 30526.555438740004 | 225648.61682 | 442419.23264999996 | 2978 | 0 | 0 | 891596.9145039 Cayes 1 | 109834.09437198001 | 0 | 30526.555438740004 | 0 | 408278.05087 | 0 | 0 | 0 | 548638.7006807199 Cayes 2 | 80190.41522318001 | 0 | 0 | 0 | 34141.18178 | 0 | 0 | 0 | 114331.59700318001 Cabaret | 27372.603744940003 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 27372.603744940003 Cap Saint-Michel | 0 | 0 | 0 | 187417.23773 | 0 | 0 | 0 | 0 | 187417.23773 Ouanaminthe | 2606.3276562160004 | 0 | 12469.778444784 | 18121.90454 | 16407.21743 | 0 | 0 | 0 | 49605.228071000005 Fort-Liberté | 13292.802399847998 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 13292.802399847998 Gonaïves | 217793.863718916 | 0 | 53995.255332884 | 128046.33045 | 250436.31433000002 | 14083 | 0 | 0 | 664354.7638318001 Port-de-Paix | 113069.277582432 | 0 | 649466.994966172 | 89411.19553999999 | 149788.26872999998 | 0 | 0 | 0 | 1001735.736818604 Petit-Goave | 34644.61639122399 | 0 | 0 | 44409.44986 | 61025.53619 | 0 | 0 | 0 | 140079.60244122398 Miragoane | 42168.715579444004 | 0 | 0 | 88088.25941 | 63753.881890000004 | 0 | 0 | 0 | 194010.856879444 Mirebalais | 0 | 0 | 0 | 240452.86980000001 | 37012.66975 | 0 | 0 | 0 | 277465.53955 Jérémie | 90913.990047184 | 0 | 0 | 29699.26095 | 31561.25564 | 0 | 0 | 0 | 152174.50663718398 La Gonave | 0 | 0 | 0 | 0 | 43287.50714 | 0 | 0 | 0 | 43287.50714 Léogane | 147359.58753244 | 0 | 0 | 352821.95321999997 | 107685.28658 | 0 | 0 | 0 | 607866.82733244 Fonds-des-Nègres | 74000.61734188 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 74000.61734188 Limbé | 0 | 0 | 0 | 0 | 37339.94129 | 0 | 0 | 0 | 37339.94129 Vertières | 441632.11414252804 | 0 | 0 | 303722.54227 | 271822.62763999996 | 33657 | 0 | 0 | 1050834.284052528 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 14077.471707248 St-Marc | 330965.876098532 | 0 | 7790.83114154 | 309864.03602 | 122649.87974 | 8887 | 0 | 0 | 780157.6230000721 Belladerre | 11235.62010406 | 11235.62010406 TOTAL | 2611944.000414328 | 0 | 2042313.0971471558 | 4830692.32981 | 2265956.1465099994 | 173395 | 0 | 0 | 11924300.573881483 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 | 13398714.971407458 | 2183902.25802 | 13940474.626710344 | 26996068.942630004 | 31221014.49886001 | 9782367 | 3478189.4939699997 | 0 | 101000731.79159781 0.0014590024948120117 [pageintsect2] SECTION 2 SOMMAIRE FINANCIER - SYSTÈME BANCAIRE [sofiinfisys] SYSTÈME BANCAIRE SOMMAIRE FINANCIER INDICATEURS FINANCIERS Var.déc. 25 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 . FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 725384364.9550167 | 0 | 0 | 0 | 0 | 0 | 0 | 0.027244533454796643 | 706145753.3538064 | 0.09138177564409893 | 647019923.8365159 | 0.017974913227978225 | 635595156.0582457 | 0.04161392099200667 | 610202247.9239918 Bons B.R.H. | 10000000 | 0 | 0 | 0 | 0 | 0 | 0 | -0.5260663507109005 | 21100000 | -0.04308390022675737 | 22050000 | 7.647058823529412 | 2550000 | 2.1875 | 800000 Prêts Nets | 114196075.1651599 | 0 | 0 | 0 | 0 | 0 | 0 | -0.005868908606741787 | 114870238.09416924 | 0.0027011247003677023 | 114560795.10082863 | -0.15246437721745532 | 135169297.92840332 | -0.09594376937513038 | 149514259.56654975 Dépôts | 592081468.1756967 | 0 | 0 | 0 | 0 | 0 | 0 | 0.020552913306630713 | 580157540.5407741 | 0.0958861513293763 | 529395813.4583669 | 0.02099618106395864 | 518509102.45981 | 0.03664232159259115 | 500181298.4667901 Avoir des Actionnaires | 62991948.399194196 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04077485057721753 | 60524087.76428315 | 0.1332402825254146 | 53407991.84212357 | 0.04711756566755936 | 51004771.18639 | 0.12986906185756752 | 45142196.479417995 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 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. 25) | (oct. - déc. 24) | (janv. - mars 26) | (janv. - mars 25) | (avril - juin 26) | (avril - juin 25) | (juil. - sept. 26) | (juil. - sept. 25) | (oct. 25 - déc. 25) | (oct. 24- déc. 24) Résultats Revenus nets d'intérêt | 5941510.860789725 | 0.10793510231822236 | 5362688.526031733 | 0 | 0 | 5280254.472572907 | 0 | 0 | 5312498.863854253 | 0 | 0 | 6160324.290016368 | 5941510.860789725 | 0.10793510231822236 | 5362688.526031733 Autres revenus | 4151735.6734152157 | 0.16889215419502085 | 3551855.1976887765 | 0 | 0 | 3868433.2349221557 | 0 | 0 | 3746686.471488377 | 0 | 0 | 4932853.989799732 | 4151735.6734152157 | 0.16889215419502085 | 3551855.1976887765 Dot. à la provision pr créances douteuses | 386641.52721049765 | -0.1651742806853014 | 463140.4115434877 | 0 | 0 | 334821.83768223535 | 0 | 0 | 416821.9589297115 | 0 | 0 | 573795.1509468231 | 386641.52721049765 | -0.1651742806853014 | 463140.4115434877 Dépenses d'exploitation | 6747423.744749883 | 0.03084455868788906 | 6545529.767687133 | 0 | 0 | 6431239.15870914 | 0 | 0 | 6017742.82323508 | 0 | 0 | 7088438.293403296 | 6747423.744749883 | 0.03084455868788906 | 6545529.767687133 Bénéfice net | 2378951.4120241925 | 0.476774250692206 | 1610910.6797529212 | 0 | 0 | 1970296.9205225818 | 0 | 0 | 2213147.424631297 | 0 | 0 | 2808518.3452223856 | 2378951.4120241925 | 0.476774250692206 | 1610910.6797529212 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 25) | (oct. - déc. 24) | (janv. - mars 26) | (janv. - mars 25) | (avril - juin 26) | (avril - juin 25) | (juil. - sept. 26) | (juil. - sept. 25) | (oct. 25 - déc. 25) | (oct. 24- déc. 24) | 2025 | 2024 | 2023 | 2022 RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumul) Structure financière Avoir des actionnaires en % de l'actif | 0.08683940741278662 | 0.08624883774125582 | 0 | 0.08546344130854328 | 0 | 0.08421120046586324 | 0 | 0.08571047475231114 | 0.08683940741278662 | 0.08624883774125582 | 0.08571047475231114 | 0.08254458614727032 | 0.08024726227101067 | 0.07397907273039252 Dépôts en % de l'actif | 0.8162313619930497 | 0.8129715223569435 | 0 | 0.8181144549412359 | 0 | 0.81477109153428 | 0 | 0.8215832748201669 | 0.8162313619930497 | 0.8129715223569435 | 0.8215832748201669 | 0.8182063549439176 | 0.8157851700372211 | 0.8196975677629654 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.0876908241740665 | 0.10364293963986568 | 0 | 0.13676832799521493 | 0 | 0.14170186403708213 | 0 | 0.09976759910115814 | 0.0876908241740665 | 0.10364293963986568 | 0.09976759910115814 | 0.10365241934999576 | 0.0850650584764555 | 0.06674650919428594 Provisions pour créances douteuses en % des prêts improductifs bruts | 1.0187544706416263 | 0.8153493738683166 | 0 | 0.6515708499211342 | 0 | 0.6603806983383878 | 0 | 0.9241201309603599 | 1.0187544706416263 | 0.8153493738683166 | 0.9241201309603599 | 0.8277004954582138 | 0.7938214552869993 | 0.8951093289409422 Prêts improductifs nets en % de l'avoir des actionnaires (tx. d'exposition) | -0.003273909369312782 | 0.04269065069449065 | 0 | 0.10266823065442177 | 0 | 0.10063887351349272 | 0 | 0.01582719186307008 | -0.003273909369312782 | 0.04269065069449065 | 0.01582719186307008 | 0.04190335301582836 | 0.04984543795117829 | 0.02466152296339713 Rentabilité ROA (rendement de l'actif) | 0.013294593702769628 | 0.009809353503965695 | 0 | 0.011720251426720016 | 0 | 0.012917411935627574 | 0 | 0.016064031205669713 | 0.013294593702769628 | 0.009809353503965702 | 0.012715181171298953 | 0.010158335094798817 | 0.015990419660432787 | 0.01609198724553268 ROE ( rendement avoir des action.) | 0.15408210858551682 | 0.11619079194238982 | 0 | 0.13651562771890222 | 0 | 0.15227275675907165 | 0 | 0.1890594603728258 | 0.15408210858551682 | 0.1161907919423899 | 0.15101757818954845 | 0.12478583461731642 | 0.20719138403610818 | 0.2135184205617245 Revenus nets d'intérêts en % des revenus d'intérêt | 0.850037452607232 | 0.8357857136920575 | 0 | 0.8361805645943434 | 0 | 0.8393286276389808 | 0 | 0.8562147695427538 | 0.850037452607232 | 0.8357857136920575 | 0.8423330143308353 | 0.8432317870195886 | 0.8581686138445854 | 0.8366368653542322 Rendement moyen des prêts | 0.10721423509419288 | 0.10745285735619571 | 0 | 0.10045385552220734 | 0 | 0.10150050467118049 | 0 | 0.12408928405684029 | 0.10721423509419287 | 0.1074528573561957 | 0.10776864581204332 | 0.11462409373073733 | 0.11849612948383223 | 0.09757312636359047 Rendement moyen des prêts productifs | 0.11830620957522298 | 0.11987791881073237 | 0 | 0.11414976138783292 | 0 | 0.11791498270910987 | 0 | 0.14106635146383475 | 0.11830620957522295 | 0.11987791881073236 | 0.11996962402000866 | 0.12647243261518062 | 0.1281707420455697 | 0.10399743464962523 Rémunération moyenne des dépôts | 0.00715344860019772 | 0.007867144045943979 | 0 | 0.007545135098730542 | 0 | 0.007270329048268007 | 0 | 0.0072318170286526035 | 0.00715344860019772 | 0.007867144100866096 | 0.007461750771616962 | 0.00789546015903963 | 0.007503545317516618 | 0.006981018553340822 Dépenses d'exploitation en % du produit net bancaire | 0.6685087619611371 | 0.7342529209061233 | 0 | 0.7029684873209024 | 0 | 0.6642697550030287 | 0 | 0.6389907486027355 | 0.6685087619611371 | 0.7342529209061232 | 0.6825211019580673 | 0.6924849554169584 | 0.6274923880537089 | 0.6017849612829476 (marge nette d'int.+autres revenus) Productivité par employé ('000 gdes) | 0 | 1340.2 | 0 | 0 | 0 | 0 | 0 | 0 | 5212.926290645321 | 10728.614850969598 | 5212.926290645321 | 5212.926290645321 | 10799.125849100594 | 6722.204773947442 Productivité par Employé ('000 gdes) | 8077.828358707436 | 7373.485296708444 | 0 | 7554.655414942249 | 0 | 7466.105149144025 | 0 | 9048.269396261094 | 8077.828358707436 | 7373.485296708444 | 7846.339194410082 | 7663.37350041908 | 10799.125849100594 | 6722.204773947442 Nombre de succursales autorisées | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 139 A partir du Trim 2 1998, les prêts improductifs désignent les prêts dont le principal ou les intérêts sont dus et impayés depuis 90 jours ou plus. Avant cette date, ce rapport considérait les prêts échus depuis plus de 15 jours. [partdemarc. ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage) AU 31 Décembre 2025 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 269426535.0769292 | 0.37142589238691015 | 1 | UNIBK | 46139615.68791 | 0.3679435893020567 | 1 | UNIBK | 225153512.5416494 | 0.3802745477499667 | 1 | UNIBK | 159152564.65719944 | 0.4197799234425577 | 1 SOGEBK | 190856035.68743 | 0.26311021426449627 | 2 | SOGEBK | 28713541.29388 | 0.22897814140249492 | 2 | SOGEBK | 158374930.96248522 | 0.26748841075952806 | 2 | SOGEBK | 106737668.37898521 | 0.28153068319744895 | 2 BNC | 136014829 | 0.18750725211513855 | 3 | BNC | 18387281 | 0.1466306571430389 | 3 | BNC | 106769844 | 0.18032965012226437 | 3 | BNC | 41171767 | 0.10859442470488022 | 3 CAPITALBK | 54871292 | 0.07564443714388955 | 4 | BUH | 13125078.439024258 | 0.10466685512491261 | 4 | BUH | 45686718.8776288 | 0.07716289283364555 | 4 | BUH | 31910709.810498804 | 0.08416751153273297 | 4 BUH | 53918482.90405416 | 0.07433091407670167 | 5 | CAPITALBK | 12760825 | 0.10176209062325851 | 5 | CAPITALBK | 42795387 | 0.07227955830446751 | 5 | CAPITALBK | 30983223 | 0.0817211774560954 | 5 SOGEBL | 12779900.593933364 | 0.01761810870396398 | 6 | SOGEBL | 4962655.0104133645 | 0.03957503914532585 | 6 | SOGEBL | 8720910.979243282 | 0.014729241579058175 | 6 | SOGEBL | 6632520.685193282 | 0.017493899840436346 | 6 BPH | 7517289.69267 | 0.010363181308899827 | 7 | BPH | 1309616.37089 | 0.010443627258912421 | 7 | BPH | 4580163.814689999 | 0.007735698651069522 | 7 | BPH | 2544886.9862 | 0.0067123798258482675 | 7 CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8 TOTAL | 725384364.9550167 | 0.9999999999999999 | TOTAL | 125398612.80211763 | 0.9999999999999999 | TOTAL | 592081468.1756967 | 1 | TOTAL | 379133340.5180768 | 0.9999999999999999 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 | SOGEBK | 46255036.84023 | 0.36554681606003275 | 1 | UNIBK | 223067375.30544776 | 0.38449448592450103 | 1 | UNIBK | 159239659.76946777 | 0.42672915599144 | 1 SOGEBK | 186323654.66746 | 0.2638600512465373 | 2 | UNIBK | 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 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 PREMIER TRIMESTRE DE L'EXERCICE 2025-2026 AU 31 Décembre 2025 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 245885461.4513131 | 0.3712081468708941 | 1 | UNIBK | 3948436.2830900005 | 0.3911958624719182 | 1 | UNIBK | 1052303.4832900004 | 0.44233920792632814 | 1 SOGEBK | 176727728.1206652 | 0.26680216092957204 | 2 | SOGEBK | 2329539.09513 | 0.230801763063593 | 2 | BNC | 504904.15304999985 | 0.21223811066422305 | 2 BNC | 123420819 | 0.1863258333203635 | 3 | BNC | 1683165 | 0.16676150674571683 | 3 | SOGEBK | 389749 | 0.16383226577476515 | 3 BUH | 49973543.87128997 | 0.07544401569551931 | 4 | CAPITALBK | 1205174 | 0.11940399909145125 | 4 | CAPITALBK | 310813 | 0.1306512602271002 | 4 CAPITALBK | 48848573 | 0.07374567066141094 | 5 | BUH | 676169.6026849393 | 0.06699228047125098 | 5 | BUH | 75682.59358419031 | 0.031813425529272944 | 5 SOGEBL | 11460735.999973282 | 0.017302033829962767 | 6 | SOGEBL | 162186.49486 | 0.01606881337044203 | 6 | SOGEBL | 39617.16905 | 0.01665320647145573 | 6 BPH | 6075555.113369999 | 0.00917213869227736 | 7 | BPH | 88576.05844 | 0.008775774785627712 | 7 | BPH | 5882.013050000009 | 0.0024725234068547664 | 7 CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8 TOTAL | 662392416.5566115 | 1 | TOTAL | 10093246.53420494 | 1 | TOTAL | 2378951.4120241906 | 1 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 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 2026 (Octobre 2025 - Décembre 2025) REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang UNIBK | 3948436.2830900005 | 0.3911958624719182 | 1 | UNIBK | 1052303.4832900004 | 0.44233920792632814 | 1 SOGEBK | 2329539.09513 | 0.230801763063593 | 2 | SOGEBK | 504904.15304999985 | 0.21223811066422305 | 2 BNC | 1683165 | 0.16676150674571683 | 3 | BNC | 389749 | 0.16383226577476515 | 4 CAPITALBK | 1205174 | 0.11940399909145125 | 4 | CAPITALBK | 310813 | 0.1306512602271002 | 3 BUH | 676169.6026849393 | 0.06699228047125098 | 5 | BPH | 75682.59358419031 | 0.031813425529272944 | 5 SOGEBL | 162186.49486 | 0.01606881337044203 | 6 | SOGEBL | 39617.16905 | 0.01665320647145573 | 7 BPH | 88576.05844 | 0.008775774785627712 | 7 | BUH | 5882.013050000009 | 0.0024725234068547664 | 6 CBNA | 0 | 0 | 8 | CBNA | 0 | 0 | 8 TOTAL | 10093246.53420494 | 1 | TOTAL | 2378951.4120241906 | 1 CUMUL 2025 (Octobre 2024 - Décembre 2024) REVENUS BRUTS (P.N.B.) | REVENUS NETS Montant | % | Rang | Montant | % | Rang UNIBK | 3487734.82479 | 0.39124098023206333 | 1 | UNIBK | 757959.1453399999 | 0.4705159354063341 | 1 SOGEBK | 2013964.0754 | 0.22591891832232402 | 2 | BNC | 380251 | 0.23604722768261854 | 2 BNC | 1658491 | 0.18604328515288546 | 3 | SOGEBK | 347873.64423000003 | 0.21594843749087067 | 3 CAPITALBK | 973790 | 0.10923610116004749 | 4 | CAPITALBK | 135670 | 0.08421944289351208 | 4 BUH | 571716.5601905098 | 0.06413301430888066 | 5 | BUH | 36593.087292922966 | 0.022715776704972566 | 5 SOGEBL | 119691.85485999999 | 0.013426582287270028 | 6 | SOGEBL | 17120.713379999987 | 0.010627971864104791 | 6 CBNA | 42164 | 0.0047297990011319095 | 7 | CBNA | -48531 | -0.0301264375548392 | 7 BPH | 46991.408480000006 | 0.005271319535397154 | 8 | BPH | -16025.910489999995 | -0.009948354487573455 | 8 TOTAL | 8914543.72372051 | 1 | TOTAL | 1610910.6797529228 | 1.0000000000000002 [partdemarc. (4)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ (En milliers de gourdes ) AU 31 Décembre 2025 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 44821577.71588 | 1 | SOGEBL | 65298.09224228111 | 1 | SOGEBK | 3959373.2740621306 | 1 | SOGEBK | 147806.748448423 | 1 SOGEBK | 25695359.87946 | 2 | UNIBK | 30058.381555641692 | 2 | UNIBK | 3752558.542360823 | 2 | UNIBK | 146679.81273071622 | 2 BNC | 13620598 | 3 | BUH | 28225.97513768658 | 3 | SOGEBL | 2906970.3264144273 | 3 | SOGEBL | 114748.82867425372 | 3 BUH | 12903652.51851653 | 4 | SOGEBK | 26797.51870637424 | 4 | BNC | 2669246.1 | 4 | BNC | 114559.91845493563 | 4 CAPITALBK | 12359578 | 5 | BNC | 19728.84227467811 | 5 | BUH | 1903613.2865678668 | 5 | BUH | 98251.00833898668 | 5 SOGEBL | 4618229.840413365 | 6 | CAPITALBK | 16669.921619856304 | 6 | CAPITALBK | 1711815.48 | 6 | BPH | 29935.71120712418 | 6 BPH | 177079.21088999975 | 7 | BPH | 8559.584123464052 | 7 | BPH | 763360.6357816666 | 7 | CAPITALBK | 55905.14304376225 | 7 CBNA | 0 | 8 | CBNA | 0 | 8 | CBNA | 0 | 8 | CBNA | 0 | 8 TOTAL | 114196075.16515988 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 | SOGEBK | 148352.09945577173 | 1 SOGEBK | 25633750.89570999 | 2 | UNIBK | 30251.822655480708 | 2 | UNIBK | 3717789.5884241294 | 2 | UNIBK | 145891.02374457015 | 2 BNC | 13908018 | 3 | BUH | 29135.528848666596 | 3 | SOGEBL | 2722795.0855236645 | 3 | BNC | 120327.86535113175 | 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 | CAPITALBK | 54411.42471042471 | 6 BPH | 180399.81764999987 | 7 | BPH | 8923.173929591836 | 7 | BPH | 743099.4718616667 | 7 | BPH | 30330.590688231292 | 7 CBNA | 0 | 8 | CBNA | 0 | 8 | CBNA | 0 | 8 | CBNA | 0 | 8 TOTAL | 114870238.09416924 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 | UNIBK | 27545.675456862617 | 2 | UNIBK | 3369733.484777311 | 2 | UNIBK | 131330.95750999587 | 2 BNC | 15801864 | 3 | BUH | 27101.783448488502 | 3 | SOGEBL | 2728599.4943089937 | 3 | SOGEBK | 128160.71417130719 | 3 BUH | 12398174.758378172 | 4 | SOGEBK | 28028.14360495221 | 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 1 2026 | AU 31 Décembre 2025 COEFICIENT D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang CBNA | 0 | 1 | UNIBK | 10289.08477678176 | 1 | SOGEBK | 178120.425279916 | 1 UNIBK | 0.620425148077326 | 2 | SOGEBK | 8696.366197405505 | 2 | UNIBK | 175522.17268855323 | 2 CAPITALBK | 0.6331060909047158 | 3 | SOGEBL | 8536.131308421052 | 3 | SOGEBL | 168156.5867622811 | 3 SOGEBL | 0.6458228398758799 | 4 | BNC | 7223.884120171674 | 4 | BNC | 145938.6577253219 | 4 SOGEBK | 0.6500865586741694 | 5 | CAPITALBK | 6297.447419986936 | 5 | BUH | 115953.72667538529 | 5 BNC | 0.7582239412060018 | 6 | BUH | 5816.512711268295 | 6 | CAPITALBK | 71680.32919660353 | 6 BUH | 0.8252487322472665 | 7 | BPH | 2315.7139461437905 | 7 | BPH | 49132.612370392155 | 7 BPH | 0.918325751027853 | 8 | CBNA | 0 | 8 | CBNA | 0 | 8 SOGEBK | 0 | 9 | PROMOBK | #REF! | 9 | 9 | SCOTIA | #REF! | 9 | SCOTIA | #REF! | 9 UNIBK | 0 | 10 | UNIBK | 0 | 10 SOCABEL | #REF! | 13 | SOCABEL | #REF! | 13 AU 30 JUIN 2004 | TRIM 4 2025 | AU 30 Septembre 2025 COEFICIENT R.O.A. | Rang | R.O.E. | Rang | 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 CAPITALBK | 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 BUH | 0 | 9 | UNIBK | 0 | 9 CAPITALBK | 0 | 10 | CAPITALBK | 0 | 10 SOGEBK | 0 | 11 | BICH | 11 BICH | #REF! | 12 | SOGEBK | 12 SOCABEL | #REF! | 13 | SOCABEL | 13 TRIM 4 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 | 2 | BPH | 0 | 2 | SOGEBK | 0.7143760004947519 | 3 | UNIBK | 10234.134193933096 | 3 | UNIBK | 156246.17222566897 | 3 BPH | 0 | 3 | SCOTIA | 0 | 3 | BNC | 0.7307630876852278 | 4 | BNC | 8837.110828025478 | 4 | SOGEBK | 153747.14570641785 | 4 SCOTIA | 0 | 4 | BNC | 0 | 4 | CBNA | 0.7373122607244528 | 5 | SOGEBK | 8010.7438854801985 | 5 | BNC | 150802.5566858726 | 5 SOGEBL | 0 | 5 | SOGEBL | 0 | 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 | 0.006172884331678029 | 11 | SOCABK | 11 SOCABEL | #REF! | 12 | BICH | 12 BICH | #REF! | 13 | SOCABEL | 13 * Banque dessaisie le 25 février 2002 [somfinbilsys] Sept.25 | Sept.24 | Sept. 23 | Sept. 22 SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN - ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 25 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 ACTIF Disponibilités Encaisse | 21158052.56664468 | 0 | 0 | 0 | 0 | 0 | 0 | -0.14946432175559887 | 24876149.358386964 | -0.2930629675364513 | 35188635.21931797 | 0.21951771525817343 | 28854550.26938128 | 0.4348459059883045 | 20109859.98493449 Avoirs à la BRH | 285168149.6641802 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03351486718050336 | 275920703.91995203 | 0.16719196708755177 | 236397020.97029173 | -0.0011474979985516304 | 236668597.71248683 | 0.03242910831152402 | 229234720.14416966 Avoirs à l'étranger | 34162766.644674346 | 0 | 0 | 0 | 0 | 0 | 0 | 0.09640487462179587 | 31158897.078470916 | -0.05848508622140037 | 33094427.525763053 | -0.03360030921016478 | 34245072.5524499 | -0.055013371180941545 | 36238684.768741824 Avoirs dans les banques locales | 855770.5262837781 | 0 | 0 | 0 | 0 | 0 | 0 | 0.47122563140371315 | 581671.8442209831 | -0.021900556614502954 | 594696.0180323194 | -0.20266830723408696 | 745857.7445596596 | -0.04674204596827713 | 782430.1296465644 Autres liquidités | 1399730.356946536 | 0 | 0 | 0 | 0 | 0 | 0 | -0.5514265149659459 | 3120403.687793257 | 0.17014043681756064 | 2666691.6120596956 | -0.4858198618270421 | 5186298.369157706 | 1.0609117460415234 | 2516506.773819519 342744469.7587296 | 0 | 0 | 0 | 0 | 0 | 0 | 0.021112702649312202 | 335657825.8888242 | 0.09000526763173711 | 307941471.34546477 | 0.007331017128610271 | 305700376.6480354 | 0.05821810669488948 | 288882201.801312 Bons B.R.H. | 10000000 | 0 | 0 | 0 | 0 | 0 | 0 | -0.5260663507109005 | 21100000 | -0.04308390022675737 | 22050000 | 7.647058823529412 | 2550000 | 2.1875 | 800000 Bons du Trésor / M.E.F. | 57542240 | 0 | 0 | 0 | 0 | 0 | 0 | 0.4247678800789302 | 40387098 | 0.3836979148822453 | 29187800 | -0.15873180573569678 | 34695000 | -0.13186538220943325 | 39965000 Autres Placements | 158892464.5115196 | 0 | 0 | 0 | 0 | 0 | 0 | 0.030883452756427923 | 154132326.10016677 | 0.1556467062371004 | 133373223.2076677 | 0.11698893990109989 | 119404246.9386284 | 0.21579026599419945 | 98211221.35814014 Portefeuille net | 114196075.1651599 | 0 | 0 | 0 | 0 | 0 | 0 | -0.005868908606741787 | 114870238.09416924 | 0.0027011247003677023 | 114560795.10082863 | -0.15246437721745532 | 135169297.92840332 | -0.09594376937513038 | 149514259.56654975 Immobilisations | 21621741.50187 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0029357487508486573 | 21558451.305379998 | -0.008414313335285577 | 21741390.174654238 | 0.0703330966185059 | 20312732.77762 | 0.4541137359541169 | 13969149.919549998 Autres actifs | 20387374.017737664 | 0 | 0 | 0 | 0 | 0 | 0 | 0.10561712044059092 | 18439813.965266068 | 0.015115126295359596 | 18165244.007900625 | 0.02261616249116812 | 17763501.7655586 | -0.05815956312135178 | 18860415.278439935 725384364.9550167 | 0 | 0 | 0 | 0 | 0 | 0 | 0.027244533454796643 | 706145753.3538064 | 0.09138177564409893 | 647019923.8365159 | 0.017974913227978225 | 635595156.0582457 | 0.04161392099200667 | 610202247.9239918 PASSIF Dépôts À vue | 279846143.218196 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02268230121971425 | 273639372.5445665 | 0.08711570082972321 | 251711360.93031842 | 0.0222058812780259 | 246243311.19638354 | 0.04610915868696442 | 235389690.5992665 Épargne | 211234593.16736194 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03970398651476234 | 203168013.11443534 | 0.1368381265931669 | 178713229.5811379 | -0.003811851619361145 | 179397064.5722362 | 0.04299503188823448 | 172001839.97756577 À terme | 101000731.79013881 | 0 | 0 | 0 | 0 | 0 | 0 | -0.022732651869956884 | 103350154.88177226 | 0.044244496576652595 | 98971222.94691056 | 0.06571099306672466 | 92868726.69119021 | 0.0008509429760196925 | 92789767.88995776 592081468.1756967 | 0 | 0 | 0 | 0 | 0 | 0 | 0.020552913306630713 | 580157540.5407741 | 0.0958861513293763 | 529395813.4583669 | 0.02099618106395864 | 518509102.45981 | 0.03664232159259115 | 500181298.4667901 0 | 0 | 0 | 0 | 0 | 0 | 0 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 1050000 | 0.6153846153846154 | 650000 | -0.35 | 1000000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 36883506.34341239 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05496150609580077 | 34961945.18026614 | 0.07540676963221517 | 32510438.066354174 | 0.07581511403349182 | 30219354.27590774 | 0.28598038834438205 | 23499078.640548505 36883506.34341239 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05496150609580077 | 34961945.18026614 | 0.04176069189385953 | 33560438.06635417 | 0.08717654947990637 | 30869354.27590774 | 0.26002102890578793 | 24499078.640548505 Obligations à terme Banques locales | 9591227.267849999 | 0 | 0 | 0 | 0 | 0 | 0 | 0.2964700968831656 | 7397954.87062 | -0.06928728649631793 | 7948698.62986 | -0.22721247677836368 | 10285749.17556 | -0.45419152934736 | 18844979.014820002 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 0.6 | 0.21369042802815752 | 0.49436 Autres | 12680194.952165157 | 0 | 0 | 0 | 0 | 0 | 0 | 0.013848416583653815 | 12506992.904218733 | -0.01015321249335212 | 12635281.603249872 | -0.1550749591336507 | 14954322.56368471 | 0.2504686971211595 | 11958973.941621 22271422.220015153 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11888875429092109 | 19904947.774838734 | -0.03298839440094763 | 20583980.233109873 | -0.18447221717725734 | 25240072.33924471 | -0.1806223061738724 | 30803953.450801 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres passifs | 11156019.81748733 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05272959191851285 | 10597232.09371972 | 0.05217905980816865 | 10071700.244302323 | 0.010012624974827838 | 9971855.791954419 | 0.04136867735531761 | 9575720.884249331 662392416.5566117 | 0 | 0 | 0 | 0 | 0 | 0 | 0.025976127910294817 | 645621665.5895987 | 0.08761571454948218 | 593611932.0021331 | 0.01543225370918478 | 584590384.8669169 | 0.03456328822870118 | 565060051.4423889 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 AVOIR DES ACTIONNAIRES Capital versé | 24747547.95602 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13726273744527104 | 21760625 | -0.005597410080877413 | 21883113.76157 | -1.960377278369081e-05 | 21883542.76157 | 0.4007524558119212 | 15622705.26157 Réserves | 7695145.6172899995 | 0 | 0 | 0 | 0 | 0 | 0 | -0.15511514231415696 | 9107922.27756 | -0.0026032269794796707 | 9131694.15014 | 0.17767843919633353 | 7753979.224049999 | -0.06128728218046807 | 8260226.02747 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 3448488.18618 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3448488.18618 | 1.7505601871823027 | 1253740.31161 | -0.12900830653462425 | 1439440.03257 | 0.10354541335050162 | 1304377.70404 BNR | 27100766.639704194 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03410205500839618 | 26207052.300543156 | 0.23972289777919872 | 21139443.618803572 | 0.06080118694317128 | 19927809.1682 | -0.0013569767384824854 | 19954887.486337997 62991948.399194196 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04077485057721753 | 60524087.76428315 | 0.1332402825254146 | 53407991.84212357 | 0.04711756566755936 | 51004771.18639 | 0.12986906185756752 | 45142196.479417995 725384364.9558059 | 0 | 0 | 0 | 0 | 0 | 0 | 0.027244533455804437 | 706145753.3538818 | 0.09138177563115862 | 647019923.8442566 | 0.017974913248066847 | 635595156.0533069 | 0.041613920987642654 | 610202247.9218069 Hors-bilan Effets à l'encaissement | 1634582.927298646 | 0 | 0 | 0 | -0.0005078710384914948 | 1635413.506454532 | 1638684.575554964 | 1689770.930555273 | 1537300.341460401 Crédit documentaire | 3969483.547769272 | 0 | 0 | 0 | 0.20732280435316638 | 3287839.452263106 | 3590804.126239959 | 4533183.750797793 | 4188643.145419392 Autres | 22532923.245004285 | 0 | 229085.82378816 | 212052.65643 | -0.011554406002457789 | 22796321.195459053 | 24369877.641579732 | 21247677.55485199 | 151487184.2710981 Portefeuille brut | 125398612.80211762 | 0 | 0 | 0 | 1303003.25965 | 0 | 1311706.5676499999 | -0.008993035580273288 | 126536560.59374255 | 0.00977467246447851 | 125311679.96610036 | -0.1355298389110183 | 144957785.24992 | -0.08839985269419076 | 159014657.55390215 Provisions pour créances douteuses | 11202537.63695773 | 0 | 0 | 0 | 1134582.98411 | 0 | 1131306.75 | -0.039754160973395215 | 11666322.499573309 | 0.08514998028289804 | 10750884.865271715 | 0.09831933292078075 | 9788487.321516676 | 0.030323922697532462 | 9500397.987352408 Portefeuille de crédit improductif | 10996307.70690234 | 0 | 0 | 0 | 1222839.985183236 | 0 | 1213369.990469193 | -0.12895350539515146 | 12624248.84895591 | -0.028070976667044084 | 12988858.801298697 | 0.053363452134161805 | 12330842.478901925 | 0.16178839573459877 | 10613673.30244776 Graphe Dépots US | 379133340.51807666 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01599846823156031 | 373163299.3285841 | 0.0509497239970782 | 355072455.7111369 | -0.0030681575133046594 | 356165226.7274987 | 0.05835097001904385 | 336528464.39125 Graphe Bons BRH | Sept. 22 | Sept. 23 | Sept. 24 | Sept. 25 | Déc. 25 | Mars 26 | Juin 26 | Sept. 26 800000 | 2550000 | 22050000 | 21100000 | 10000000 | 0 | 0 | 0 [sofibilcompsys] SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN - ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 25 | Comp. | Mars 26 | Comp. | Juin 26 | Comp. | Sept. 26 | Comp. | 2025 | Comp. | 2024 | Comp. | 2023 | Comp. | 2022 | Comp. ACTIF Disponibilités Encaisse | 21158052.56664468 | 0.029168057086475463 | 0 | 0 | 0 | 0 | 0 | 0 | 24876149.358386964 | 0.03522806621754623 | 35188635.21931797 | 0.05438570579197368 | 28854550.26938128 | 0.045397687497066234 | 20109859.98493449 | 0.03295605687024513 Avoirs à la BRH | 285168149.6641802 | 0.39312695922507834 | 0 | 0 | 0 | 0 | 0 | 0 | 275920703.91995203 | 0.3907418583337498 | 236397020.97029173 | 0.36536281536520776 | 236668597.71248683 | 0.37235745970788775 | 229234720.14416966 | 0.3756700682832025 Avoirs à l'étranger | 34162766.644674346 | 0.047096089046243614 | 0 | 0 | 0 | 0 | 0 | 0 | 31158897.078470916 | 0.044125305477634304 | 33094427.525763053 | 0.05114900841001784 | 34245072.5524499 | 0.05387875005974982 | 36238684.768741824 | 0.059387989624803544 Avoirs dans les banques locales | 855770.5262837781 | 0.0011797476863687944 | 0 | 0 | 0 | 0 | 0 | 0 | 581671.8442209831 | 0.0008237277381593811 | 594696.0180323194 | 0.0009191309202753123 | 745857.7445596596 | 0.0011734792775722625 | 782430.1296465644 | 0.0012822472095252355 Autres liquidités | 1399730.356946536 | 0.0019296395463849535 | 0 | 0 | 0 | 0 | 0 | 0 | 3120403.687793257 | 0.004418922967352059 | 2666691.6120596956 | 0.004121498448220112 | 5186298.369157706 | 0.00815975125002752 | 2516506.773819519 | 0.004124053594330549 342744469.7587296 | 0.4725004925905512 | 0 | 0 | 0 | 0 | 0 | 0 | 335657825.8888242 | 0.4753378807344419 | 307941471.34546477 | 0.4759381589356947 | 305700376.6480354 | 0.4809671277923036 | 288882201.801312 | 0.4734204155821069 Bons B.R.H. | 10000000 | 0.013785794791179612 | 0 | 0 | 0 | 0 | 0 | 0 | 21100000 | 0.029880516734380306 | 22050000 | 0.03407932149794421 | 2550000 | 0.0040119877813642735 | 800000 | 0.0013110407290725843 Bons du Trésor / M.E.F. | 57542240 | 0.0793265512464807 | 0 | 0 | 0 | 0 | 0 | 0 | 40387098 | 0 | 29187800 | 0.04511113015953269 | 34695000 | 0.054586633754679786 | 39965000 | 0 Autres Placements | 158892464.5115196 | 0.21904589096205984 | 0 | 0 | 0 | 0 | 0 | 0 | 154132326.10016677 | 0 | 133373223.2076677 | 0.20613464639052975 | 119404246.9386284 | 0.18786210971010964 | 98211221.35814014 | 0.16094863906560625 Portefeuille net | 114196075.1651599 | 0.15742836581850167 | 0 | 0 | 0 | 0 | 0 | 0 | 114870238.09416924 | 0.1626721360973969 | 114560795.10082863 | 0.17705914590935376 | 135169297.92840332 | 0.2126657143938593 | 149514259.56654975 | 0.24502410483609624 Immobilisations | 21621741.50187 | 0.029807289137271147 | 0 | 0 | 0 | 0 | 0 | 0 | 21558451.305379998 | 0.03052974715629052 | 21741390.174654238 | 0.033602350366180825 | 20312732.77762 | 0.031958602239187846 | 13969149.919549998 | 0.022892655618813824 Autres actifs | 20387374.017737664 | 0.028105615453955846 | 0 | 0 | 0 | 0 | 0 | 0 | 18439813.965266068 | 0.026113325581421442 | 18165244.007900625 | 0.02807524674076417 | 17763501.7655586 | 0.02794782432849561 | 18860415.278439935 | 0.030908465746571998 725384364.9550167 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 706145753.3538064 | 1 | 647019923.8365159 | 1 | 635595156.0582457 | 1 | 610202247.9239918 | 1 PASSIF Dépôts À vue | 279846143.218196 | 0.38579015035091097 | 0 | 0 | 0 | 0 | 0 | 0 | 273639372.5445665 | 0.38751117774896904 | 251711360.93031842 | 0.3890318545954374 | 246243311.19638354 | 0.3874216297108122 | 235389690.5992665 | 0.38575683947429046 Épargne | 211234593.16736194 | 0.29120367542035624 | 0 | 0 | 0 | 0 | 0 | 0 | 203168013.11443534 | 0.2877139912680892 | 178713229.5811379 | 0.2762097780875969 | 179397064.5722362 | 0.28225052199075656 | 172001839.97756577 | 0.2818767721075172 À terme | 101000731.79013881 | 0.13923753622178245 | 0 | 0 | 0 | 0 | 0 | 0 | 103350154.88177226 | 0.14635810580310865 | 98971222.94691056 | 0.15296472226088337 | 92868726.69119021 | 0.14611301833565227 | 92789767.88995776 | 0.1520639561811576 592081468.1756967 | 0.8162313619930497 | 0 | 0 | 0 | 0 | 0 | 0 | 580157540.5407741 | 0.8215832748201669 | 529395813.4583669 | 0.8182063549439176 | 518509102.45981 | 0.8157851700372211 | 500181298.4667901 | 0.8196975677629654 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1050000 | 0.0016228248332354385 | 650000 | 0.0010226635521124617 | 1000000 | 0.0016388009113407302 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 36883506.34341239 | 0.05084684496294547 | 0 | 0 | 0 | 0 | 0 | 0 | 34961945.18026614 | 0.049510947299783385 | 32510438.066354174 | 0.05024642498423073 | 30219354.27590774 | 0.04754497259437649 | 23499078.640548505 | 0.03851031149179838 36883506.34341239 | 0.05084684496294547 | 0 | 0 | 0 | 0 | 0 | 0 | 34961945.18026614 | 0.049510947299783385 | 33560438.06635417 | 0.051869249817466156 | 30869354.27590774 | 0.04856763614648896 | 24499078.640548505 | 0.040149112403139106 Obligations à terme Banques locales | 9591227.267849999 | 0.013222269091014637 | 0 | 0 | 0 | 0 | 0 | 0 | 7397954.87062 | 0.010476526744632758 | 7948698.62986 | 0.012285090979467917 | 10285749.17556 | 0.016182862750793867 | 18844979.014820002 | 0.030883168783683957 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.6 | 9.439971250268879e-10 | 0.49436 | 8.101576185304035e-10 Autres | 12680194.952165157 | 0.017480656552270043 | 0 | 0 | 0 | 0 | 0 | 0 | 12506992.904218733 | 0.01771163084224093 | 12635281.603249872 | 0.01952842739112074 | 14954322.56368471 | 0.02352806251140514 | 11958973.941621 | 0.01959837739422854 22271422.220015153 | 0.030702925643284674 | 0 | 0 | 0 | 0 | 0 | 0 | 19904947.774838734 | 0.02818815758687369 | 20583980.233109873 | 0.031813518370588656 | 25240072.33924471 | 0.03971092620619613 | 30803953.450801 | 0.050481546988070114 Autres passifs | 11156019.81748733 | 0.015379459989021335 | 0 | 0 | 0 | 0 | 0 | 0 | 10597232.09371972 | 0.015007145540971762 | 10071700.244302323 | 0.015566290732721182 | 9971855.791954419 | 0.015689005331312816 | 9575720.884249331 | 0.015692700111852267 662392416.5566117 | 0.9131605925883013 | 0 | 0 | 0 | 0 | 0 | 0 | 645621665.5895987 | 0.9142895252477957 | 593611932.0021331 | 0.9174554138646934 | 584590384.8669169 | 0.919752737721219 | 565060051.4423889 | 0.9260209272660268 0 | 0 | 0 AVOIR DES ACTIONNAIRES | 0 | 0 | 0 Capital versé | 24747547.95602 | 0.03411646177065682 | 0 | 0 | 0 | 0 | 0 | 0 | 21760625 | 0.030816053055122014 | 21883113.76157 | 0.03382139089599234 | 21883542.76157 | 0.034430002420541735 | 15622705.26157 | 0.025602503620268537 Réserves | 7695145.6172899995 | 0.01060836983682051 | 0 | 0 | 0 | 0 | 0 | 0 | 9107922.27756 | 0.012898076968249609 | 9131694.15014 | 0.01411346670129331 | 7753979.224049999 | 0.012199556825035696 | 8260226.02747 | 0.013536865941698256 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 | 3448488.18618 | 0.004754015047448467 | 0 | 0 | 0 | 0 | 0 | 0 | 3448488.18618 | 0.004883535969453284 | 1253740.31161 | 0 | 1439440.03257 | 0 | 1304377.70404 | 0.0021376153701132814 BNR | 27100766.639704194 | 0.037360560757860824 | 0 | 0 | 0 | 0 | 0 | 0 | 26207052.300543156 | 0.03711280875948624 | 21139443.618803572 | 0.032672013395595105 | 19927809.1682 | 0.03135299093810876 | 19954887.486337997 | 0.03270208779831244 62991948.399194196 | 0.08683940741278662 | 0 | 0 | 0 | 0 | 0 | 0 | 60524087.76428315 | 0.08571047475231114 | 53407991.84212357 | 0.08254458614727032 | 51004771.18639 | 0.08024726227101067 | 45142196.479417995 | 0.07397907273039252 725384364.9558059 | 1.000000000001088 | 0 | 0 | 0 | 0 | 0 | 0 | 706145753.3538818 | 1.0000000000001068 | 647019923.8442566 | 1.0000000000119638 | 635595156.0533069 | 0.9999999999922298 | 610202247.9218069 | 0.9999999999964194 [sofibilgdes&$ ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 25 | Septembre 25 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 8728840.52904468 | 12429212.037600001 | 21158052.566644683 | 0.41255406193694555 | 8511679.207066964 | 16364470.15132 | 24876149.358386964 | 0.3421622488448865 Avoirs à la BRH | 174036610.09474027 | 111131539.56944 | 285168149.6641803 | 0.6102946991088916 | 171406440.94026208 | 104514262.97969 | 275920703.9199521 | 0.6212163078200509 Avoirs à l'étranger | 34162766.644674346 | 0 | 34162766.644674346 | 1 | 31158897.078470916 | 0 | 31158897.078470916 | 1 Avoirs dans les banques locales | 541484.673293776 | 314285.85299000214 | 855770.5262837781 | 0.6327451771974404 | 369629.00575098407 | 212042.8384699991 | 581671.8442209831 | 0.6354596830211335 Autres liquidités | 555081.6103365361 | 844648.74661 | 1399730.356946536 | 0.3965632434717124 | 1735470.696493257 | 1384932.9912999999 | 3120403.6877932567 | 0.5561686467947288 218024783.55208963 | 124719686.20664 | 342744469.75872964 | 0.6361146649734867 | 213182116.9280442 | 122475708.96078 | 335657825.8888242 | 0.6351173739612253 Bons B.R.H. | 0 | 10000000 | 10000000 | 0 | 0 | 21100000 | 21100000 | 0 Bons du Trésor / M.E.F. | 0 | 57542240 | 57542240 | 0 | 0 | 40387098 | 40387098 | 0 Autres Placements | 109520405.41742197 | 49372059.09409765 | 158892464.5115196 | 0.6892737535044137 | 112380243.50917457 | 41752082.59099221 | 154132326.1001668 | 0.729115341035867 Portefeuille net | 69895747.68684076 | 44300327.47831914 | 114196075.1651599 | 0.6120678629782301 | 70345201.4169151 | 44525036.67725414 | 114870238.09416924 | 0.6123884008949904 Immobilisations | 0 | 21621741.50187 | 21621741.50187 | 0 | 0 | 21558451.305379994 | 21558451.305379994 | 0 Autres actifs | 7040552.7695935145 | 13346821.248144148 | 20387374.017737664 | 0.3453388731411907 | 5143564.500849012 | 13296249.364417057 | 18439813.86526607 | 0.2789379837796316 404481489.42594594 | 320902875.5290709 | 725384364.9550169 | 0.5576098810056775 | 401051126.3549829 | 305094626.8988234 | 706145753.2538064 | 0.5679438338430893 PASSIF Dépôts À vue | 177804530.59429595 | 102041612.6239 | 279846143.2181959 | 0.6353653066272985 | 173408064.7873165 | 100231307.75725 | 273639372.5445665 | 0.6337102120020183 Épargne | 127116742.50429195 | 84117850.66307 | 211234593.16736194 | 0.6017799480579248 | 124658304.92039533 | 78509708.19404 | 203168013.11443532 | 0.6135724960315528 À terme | 74212067.41948882 | 26788664.370650005 | 101000731.79013883 | 0.7347676210276181 | 75096929.62087227 | 28253225.260900006 | 103350154.88177228 | 0.726626193320945 379133340.51807666 | 212948127.65761998 | 592081468.1756966 | 0.6403398195965342 | 373163299.3285841 | 206994241.21219003 | 580157540.5407741 | 0.6432102890203799 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 | 16466564.346952934 | 20416941.996459454 | 36883506.343412384 | 0.44644791071752216 | 17209942.233356178 | 17752002.877819955 | 34961945.11117613 | 0.4922478477278643 16466564.346952934 | 20416941.996459454 | 36883506.343412384 | 0.44644791071752216 | 17209942.233356178 | 17752002.877819955 | 34961945.11117613 | 0.4922478477278643 Obligations à terme Banques locales | 0 | 9591227.26785 | 9591227.26785 | 0 | 0 | 7397954.87062 | 7397954.87062 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4996983.2729287045 | 7683211.67923645 | 12680194.952165155 | 0.39407779547391464 | 5343372.041654408 | 7163620.862564326 | 12506992.904218733 | 0.42723075663151894 4996983.2729287045 | 17274438.94708645 | 22271422.220015153 | 0.22436749766424682 | 5343372.041654408 | 14561575.733184326 | 19904947.774838734 | 0.26844441402698926 Autres passifs | 3677619.0260822703 | 7478400.7914050585 | 11156019.81748733 | 0.3296533249535389 | 4822465.240850605 | 5774766.852869116 | 10597232.09371972 | 0.45506837995070065 404274507.16404057 | 258117909.39257094 | 662392416.5566115 | 0.6103247818953391 | 400539078.8444453 | 245082586.67606345 | 645621665.5205086 | 0.6203928712979689 AVOIR DES ACTIONNAIRES Capital versé | 0 | 24747547.95602 | 24747547.95602 | 0 | 0 | 21760625 | 21760625 | 0 Réserves | 0 | 7695145.61729 | 7695145.61729 | 0 | 0 | 9107922.27756 | 9107922.27756 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 3448488.18618 | 3448488.18618 | 0 | 0 | 3448488.18618 | 3448488.18618 | 0 BNR | 0 | 27100766.63970419 | 27100766.63970419 | 0 | 0 | 26207052.30054315 | 26207052.30054315 | 0 0 | 62991948.399194196 | 62991948.399194196 | 0 | 0 | 60524087.76428315 | 60524087.76428315 | 0 404274507.16404057 | 321109857.79176515 | 725384364.9558058 | 0.5573245395062673 | 400539078.8444453 | 305606674.4403466 | 706145753.284792 | 0.5672187037608736 *Converties au taux de 130.6244 Gdes | *Converties au taux de 131.4767 Gdes | 0 [somfinrésys] TRIM 1 26 | TRIM 1 25 | TRIM 2 26 | TRIM 2 25 | TRIM 3 26 | TRIM 3 25 | TRIM 4 26 | TRIM 4 25 | CUMUL 26 | CUMUL 25 SYSTÈME BANCAIRE SOMMAIRE FINANCIER RÉSULTATS - ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2026 | 2025 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 | 3376379.61362 | 0 | 0 | 0 | 0 | 0 | 0 | 3406155.86207 | -0.06679530343386393 | 3178640.64772 | -0.014832972498423016 | 3131491.9584099995 | 0.23084571208576404 | 3854383.4494399996 Intérêts sur Bons B.R.H. | 951755.6470199999 | 0 | 0 | 0 | 0 | 0 | 0 | 758670.37692 | 0.09558318905819976 | 831186.51099 | -0.032435781468455674 | 804226.3269600002 | 0.03712483621726131 | 834083.0976299999 Autres | 2661569.537149724 | 0 | 0 | 0 | 0 | 0 | 0 | 2251517.613481733 | 0.02371076232382629 | 2304902.812482907 | 0.03854442430712945 | 2393743.964473944 | 0.04704965897101522 | 2506368.801666369 6989704.797789725 | 0 | 0 | 0 | 0 | 0 | 0 | 6416343.852471733 | -0.01583672627514839 | 6314729.971192907 | 0.0023330021581673744 | 6329462.249843944 | 0.13672142509638327 | 7194835.348736368 Dépenses d'intérêt | 1048193.937 | 0 | 0 | 0 | 0 | 0 | 0 | 1053655.32644 | -0.018203132788027713 | 1034475.49862 | -0.016928494346816602 | 1016963.385989691 | 0.0172549700137257 | 1034511.0587200001 5941510.860789725 | 0 | 0 | 0 | 0 | 0 | 0 | 5362688.526031733 | -0.015371777245437935 | 5280254.472572907 | 0.006106597977205851 | 5312498.863854253 | 0.15959070258454838 | 6160324.290016368 0 | 0 | 0 AUTRES REVENUS | 0 | 0 | 0 Commissions | 2036292.42573 | 0 | 0 | 0 | 0 | 0 | 0 | 1843099.8900233335 | -0.088369885018455 | 1680225.3646644445 | 0.16419741179950267 | 1956114.0207822218 | 0.20220031671753544 | 2351640.8953199987 Gains sur change | 983965.789 | 0 | 0 | 0 | 0 | 0 | 0 | 895146.8119799999 | 0.11708774814217593 | 999957.5364513858 | -0.1690914002512105 | 830873.3164210701 | 0.176160904328575 | 977240.7112242881 Autres | 1131477.4586852153 | 0 | 0 | 0 | 0 | 0 | 0 | 813608.4956854434 | 0.4604694273813554 | 1188250.3338063254 | -0.19234263439179689 | 959699.1342850848 | 0.6713283631857228 | 1603972.3832554459 4151735.6734152157 | 0 | 0 | 0 | 0 | 0 | 0 | 3551855.1976887765 | 0.08913033319584067 | 3868433.2349221557 | -0.031471853342255905 | 3746686.471488377 | 0.3165910805021666 | 4932853.989799732 0 | 0 | 0 PRODUIT NET BANCAIRE | 10093246.534204941 | 0 | 0 | 0 | 0 | 0 | 0 | 8914543.72372051 | 0.02626539181714096 | 9148687.707495064 | -0.009783083105909056 | 9059185.33534263 | 0.22452272132442705 | 11093178.2798161 0 | 0 | 0 Dotation à la provision pour créances douteuses | 386641.52721049765 | 0 | 0 | 0 | 0 | 0 | 0 | 463140.4115434877 | -0.2770619247705262 | 334821.83768223535 | 0.24490672954641282 | 416821.9589297115 | 0.3765953032325293 | 573795.1509468231 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0 | 0 | 0 ET IMPÔTS SUR LE REVENU | 9706605.006994443 | 0 | 0 | 0 | 0 | 0 | 0 | 8451403.312177021 | 0.04288785474402342 | 8813865.869812828 | -0.019458259965958707 | 8642363.376412919 | 0.2171882470921316 | 10519383.128869276 0 | 0 | 0 DÉPENSES D'EXPLOITATION | 0 | 0 | 0 Salaires et avantages sociaux | 3407875.07576 | 0 | 0 | 0 | 0 | 0 | 0 | 3211311.9183199997 | -0.007004432435129907 | 3188818.50096 | -0.08324403825745659 | 2923368.3716700003 | 0.10952808949187878 | 3243559.3243 Frais de locaux | 375906.23132 | 0 | 0 | 0 | 0 | 0 | 0 | 381504.11469 | 0.020560334837734808 | 389347.96703 | -0.0165195713979532 | 382916.10549 | 0.03936898040329462 | 397991.1221431417 Amortissement | 401504.96398 | 0 | 0 | 0 | 0 | 0 | 0 | 423939.87699 | -0.048011457578641815 | 403585.90557 | -0.03259981649115862 | 390429.07910999993 | 0.08473804944400389 | 423513.27772 Autres dépenses d'exploitation | 2562137.4736898835 | 0 | 0 | 0 | 0 | 0 | 0 | 2528773.8576871324 | -0.03135395927040711 | 2449486.78514914 | -0.05244262551767102 | 2321029.2669650796 | 0.30260079537620116 | 3023374.5692401538 6747423.744749883 | 0 | 0 | 0 | 0 | 0 | 0 | 6545529.767687133 | -0.01746086459528511 | 6431239.15870914 | -0.06429497104210563 | 6017742.82323508 | 0.17792310200332237 | 7088438.293403296 0 | 0 | 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 2959181.26224456 | 0 | 0 | 0 | 0 | 0 | 0 | 1905873.5444898885 | 0.25014942255332245 | 2382626.711103688 | 0.10156599057099212 | 2624620.553177839 | 0.30721556352664386 | 3430944.8354659807 0 | 0 | 0 Impôts sur le revenu | 580229.8502203673 | 0 | 0 | 0 | 0 | 0 | 0 | 294962.86473696714 | 0.3979040749716101 | 412329.7905811062 | -0.002077613730885003 | 411473.12854654196 | 0.5126783429144192 | 622426.4902435949 0 | 0 | 0 | 0 BÉNÉFICE NET | 2378951.4120241925 | 0 | 0 | 0 | 0 | 0 | 0 | 1610910.6797529212 | 0.2230950761495868 | 1970296.9205225818 | 0.12325579032235613 | 2213147.424631297 | 0.2690154817365026 | 2808518.3452223856 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 (oct.25- déc. 25) | 2025 (oct.24-déc. 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 | 2025 Revenus d'intérêt Prêts | 3376379.61362 | -0.008741892519241361 | 3406155.86207 | 0 | 0 | 3178640.64772 | 0 | 0 | 3131491.9584099995 | 0 | 0 | 3854383.4494399996 | 3376379.61362 | -0.008741892519241361 | 3406155.86207 | 13570671.917639997 Intérêts sur Bons B.R.H. | 951755.6470199999 | 0.2545048231405513 | 758670.37692 | 0 | 0 | 831186.51099 | 0 | 0 | 804226.3269600002 | 0 | 0 | 834083.0976299999 | 951755.6470199999 | 0.2545048231405513 | 758670.37692 | 3228166.3125 Autres | 2661569.537149724 | 0.18212245874190133 | 2251517.613481733 | 0 | 0 | 2304902.812482907 | 0 | 0 | 2393743.964473944 | 0 | 0 | 2506368.801666369 | 2661569.537149724 | 0.18212245874190133 | 2251517.613481733 | 9456533.192104954 6989704.797789725 | 0.08935944807526476 | 6416343.852471733 | 0 | 0 | 6314729.971192907 | 0 | 0 | 6329462.249843944 | 0 | 0 | 7194835.348736368 | 6989704.797789725 | 0.08935944807526476 | 6416343.852471733 | 26255371.42224495 Dépenses d'intérêt | 1048193.937 | -0.005183278917644173 | 1053655.32644 | 0 | 0 | 1034475.49862 | 0 | 0 | 1016963.385989691 | 0 | 0 | 1034511.0587200001 | 1048193.937 | -0.005183278917644173 | 1053655.32644 | 4139605.269769691 5941510.860789725 | 0.10793510231822236 | 5362688.526031733 | 0 | 0 | 5280254.472572907 | 0 | 0 | 5312498.863854253 | 0 | 0 | 6160324.290016368 | 5941510.860789725 | 0.10793510231822236 | 5362688.526031733 | 22115766.15247526 AUTRES REVENUS Commissions | 2036292.42573 | 0.10481935176298053 | 1843099.8900233335 | 0 | 0 | 1680225.3646644445 | 0 | 0 | 1956114.0207822218 | 0 | 0 | 2351640.8953199987 | 2036292.42573 | 0.10481935176298053 | 1843099.8900233335 | 7831080.170789998 Gains sur change | 983965.789 | 0.09922280438394118 | 895146.8119799999 | 0 | 0 | 999957.5364513858 | 0 | 0 | 830873.3164210701 | 0 | 0 | 977240.7112242881 | 983965.789 | 0.09922280438394118 | 895146.8119799999 | 3703218.376076744 Autres | 1131477.4586852153 | 0.39069031934330506 | 813608.4956854434 | 0 | 0 | 1188250.3338063254 | 0 | 0 | 959699.1342850848 | 0 | 0 | 1603972.3832554459 | 1131477.4586852153 | 0.39069031934330506 | 813608.4956854434 | 4565530.347032299 4151735.6734152157 | 0.16889215419502085 | 3551855.1976887765 | 0 | 0 | 3868433.2349221557 | 0 | 0 | 3746686.471488377 | 0 | 0 | 4932853.989799732 | 4151735.6734152157 | 0.16889215419502085 | 3551855.1976887765 | 16099828.89389904 PRODUIT NET BANCAIRE | 10093246.534204941 | 0.1322224498543933 | 8914543.72372051 | 0 | 0 | 9148687.707495064 | 0 | 0 | 9059185.33534263 | 0 | 0 | 11093178.2798161 | 10093246.534204941 | 0.1322224498543933 | 8914543.72372051 | 38215595.0463743 Dotation à la provision pour créances douteuses | 386641.52721049765 | -0.1651742806853014 | 463140.4115434877 | 0 | 0 | 334821.83768223535 | 0 | 0 | 416821.9589297115 | 0 | 0 | 573795.1509468231 | 386641.52721049765 | -0.1651742806853014 | 463140.4115434877 | 1788579.3591022575 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 9706605.006994443 | 0.14851991420275634 | 8451403.312177021 | 0 | 0 | 8813865.869812828 | 0 | 0 | 8642363.376412919 | 0 | 0 | 10519383.128869276 | 9706605.006994443 | 0.14851991420275634 | 8451403.312177021 | 36427015.68727204 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 3407875.07576 | 0.06120961228295518 | 3211311.9183199997 | 0 | 0 | 3188818.50096 | 0 | 0 | 2923368.3716700003 | 0 | 0 | 3243559.3243 | 3407875.07576 | 0.06120961228295518 | 3211311.9183199997 | 12567058.11525 Frais de locaux | 375906.23132 | -0.014673192645769195 | 381504.11469 | 0 | 0 | 389347.96703 | 0 | 0 | 382916.10549 | 0 | 0 | 397991.1221431417 | 375906.23132 | -0.014673192645769195 | 381504.11469 | 1551759.3093531418 Amortissement | 401504.96398 | -0.0529200347211716 | 423939.87699 | 0 | 0 | 403585.90557 | 0 | 0 | 390429.07910999993 | 0 | 0 | 423513.27772 | 401504.96398 | -0.0529200347211716 | 423939.87699 | 1641468.1393900001 Autres dépenses d'exploitation | 2562137.4736898835 | 0.013193594160794625 | 2528773.8576871324 | 0 | 0 | 2449486.78514914 | 0 | 0 | 2321029.2669650796 | 0 | 0 | 3023374.5692401538 | 2562137.4736898835 | 0.013193594160794625 | 2528773.8576871324 | 10322664.479041506 6747423.744749883 | 0.03084455868788906 | 6545529.767687133 | 0 | 0 | 6431239.15870914 | 0 | 0 | 6017742.82323508 | 0 | 0 | 7088438.293403296 | 6747423.744749883 | 0.03084455868788906 | 6545529.767687133 | 26082950.043034647 0 | 0 | 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 2959181.26224456 | 0.5526640111039433 | 1905873.5444898885 | 0 | 0 | 2382626.711103688 | 0 | 0 | 2624620.553177839 | 0 | 0 | 3430944.8354659807 | 2959181.26224456 | 0.5526640111039433 | 1905873.5444898885 | 10344065.644237395 0 | 0 | 0 Impôts sur le revenu | 580229.8502203673 | 0.9671284747582946 | 294962.86473696714 | 0 | 0 | 412329.7905811062 | 0 | 0 | 411473.12854654196 | 0 | 0 | 622426.4902435949 | 580229.8502203673 | 0.9671284747582946 | 294962.86473696714 | 1741192.27410821 BÉNÉFICE NET | 2378951.4120241925 | 0.476774250692206 | 1610910.6797529212 | 0 | 0 | 1970296.9205225818 | 0 | 0 | 2213147.424631297 | 0 | 0 | 2808518.3452223856 | 2378951.4120241925 | 0.476774250692206 | 1610910.6797529212 | 8602873.370129185 Marge nette en % Revenu d'intérêt | 0.850037452607232 | 0.014251738915174506 | 0.8357857136920575 | 0 | 0 | 0.8361805645943434 | 0 | 0 | 0.8393286276389808 | 0 | 0 | 0.8562147695427538 | 0.850037452607232 | 0.014251738915174506 | 0.8357857136920575 Frais d'exploitation en % Produit net bancaire | 0.6685087619611371 | -0.0657441589449862 | 0.7342529209061233 | 0 | 0 | 0.7029684873209024 | 0 | 0 | 0.6642697550030287 | 0 | 0 | 0.6389907486027355 | 0.6685087619611371 | -0.0657441589449862 | 0.7342529209061233 [somfindétvan] SOMMAIRE FINANCIER RÉSULTATS - ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2026 | Var. | 2025 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 3376379.61362 | -0.008741892519241361 | 3406155.86207 | 13570671.91764 | -0.12389037895199685 | 15489696.256738683 | -0.13992857537666614 | 18009778.97099925 | 0.24098209778402271 | 14512521.174285 Intérêts sur Bons B.R.H. | 951755.6470199999 | 0.2545048231405513 | 758670.37692 | 3228166.3124999995 | 1.4272366874012452 | 1329975.90604 | 1.6212740243992865 | 507377.66966 | -0.32144906587356115 | 747737.0439599999 Autres | 2661569.537149724 | 0.18212245874190133 | 2251517.613481733 | 9456533.192104954 | -0.011714229295511526 | 9568622.226913143 | 0.13512274044143233 | 8429592.57709175 | 0.8803481196219355 | 4482995.722508347 6989704.797789725 | 0.08935944807526476 | 6416343.852471733 | 26255371.422244955 | -0.0050371943515529136 | 26388294.389691826 | -0.02072438584507596 | 26946749.217750996 | 0.3648585637714176 | 19743253.94075335 Dépenses d'intérêt | 1048193.937 | -0.005183278917644173 | 1053655.32644 | 4139605.269769691 | 0.0006670576714883822 | 4136845.7550730053 | 0.08240702010865569 | 3821894.7939359583 | 0.18496613342748142 | 3225319.8518688753 5941510.860789725 | 0.10793510231822236 | 5362688.526031733 | 22115766.152475264 | -0.006097692081604968 | 22251448.63461882 | -0.03776913675602411 | 23124854.423815038 | 0.3999846651147861 | 16517934.088884473 AUTRES REVENUS Commissions | 2036292.42573 | 0.10481935176298053 | 1843099.8900233335 | 7831080.170789999 | 0.0373045460158341 | 7549451.316749999 | -0.011865182771838446 | 7640102.5296600005 | 0.22101637440058797 | 6257166.31639 Gains sur change | 983965.789 | 0.09922280438394118 | 895146.8119799999 | 3703218.376076744 | -0.08415342019914288 | 4043492.062701131 | -0.20861083313328907 | 5109359.885112192 | -0.1136533916917172 | 5764516.767164173 Autres | 1131477.4586852153 | 0.39069031934330506 | 813608.4956854434 | 4565530.347032299 | 0.3582687989574323 | 3361286.3304646825 | -0.11173966238884321 | 3784122.9515035637 | -0.05219042046972708 | 3992492.83108 4151735.6734152157 | 0.16889215419502085 | 3551855.1976887765 | 16099828.893899042 | 0.07660703401015755 | 14954229.709915813 | -0.09552408756913792 | 16533585.366275756 | 0.03243435406294831 | 16014175.914634172 PRODUIT NET BANCAIRE | 10093246.534204941 | 0.1322224498543933 | 8914543.72372051 | 38215595.046374306 | 0.02714415505309617 | 37205678.344534636 | -0.06184714927108687 | 39658439.79009079 | 0.21905525912095372 | 32532110.003518645 Dotation à la provision pour créances douteuses | 386641.52721049765 | -0.1651742806853014 | 463140.4115434877 | 1788579.3591022575 | -0.4741406971887348 | 3401250.77095801 | 0.26684421128219277 | 2684821.6542076245 | 0.08899862951902796 | 2465404.0707043083 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 9706605.006994443 | 0.14851991420275634 | 8451403.312177021 | 36427015.68727205 | 0.07758120169280361 | 33804427.57357663 | -0.08571491571799449 | 36973618.13588317 | 0.22971961805535648 | 30066705.932814337 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 3407875.07576 | 0.06120961228295518 | 3211311.9183199997 | 12567058.11525 | 0.08035843854761822 | 11632304.30462 | 0.014452648548123382 | 11466581.82742 | 0.22413691001391725 | 9367074.657760002 Frais de locaux | 375906.23132 | -0.014673192645769195 | 381504.11469 | 1551759.3093531416 | -0.10638487480072903 | 1736496.24496576 | 0.06249585882709251 | 1634355.7770500001 | 0.23986735871515127 | 1318169.8554784514 Amortissement | 401504.96398 | -0.0529200347211716 | 423939.87699 | 1641468.13939 | -0.007341512360007308 | 1653608.12387 | 0.1851570332448688 | 1395264.9965233284 | 0.11114514375329043 | 1255700.0355600002 Autres dépenses d'exploitation | 2562137.4736898835 | 0.013193594160794625 | 2528773.8576871324 | 10322664.479041506 | -0.039033771065380925 | 10741963.836217001 | 0.03395819551095257 | 10389166.48937497 | 0.360481389191059 | 7636390.010121607 6747423.744749883 | 0.03084455868788906 | 6545529.767687133 | 26082950.043034647 | 0.012365041424637126 | 25764372.50967276 | 0.03532209693625464 | 24885369.090368297 | 0.2711316249652447 | 19577334.55892006 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 2959181.26224456 | 0.5526640111039433 | 1905873.5444898885 | 10344065.644237403 | 0.2865665175201943 | 8040055.063903868 | -0.33488671240712176 | 12088249.04551487 | 0.15242835958690956 | 10489371.373894278 Impôts sur le revenu | 580229.8502203673 | 0.9671284747582946 | 294962.86473696714 | 1741192.27410821 | 0.1414374593780589 | 1525438.174297296 | -0.2831039730434334 | 2127837.394738017 | 0.5266943923798346 | 1393754.6409803154 BÉNÉFICE NET | 2378951.4120241925 | 0.476774250692206 | 1610910.6797529212 | 8602873.370129192 | 0.32054939160800483 | 6514616.889606573 | -0.34594903122317533 | 9960411.650776854 | 0.09507820560792647 | 9095616.732913963 [pageint.sect3] SECTION 3 SOMMAIRE FINANCIER DÉTAILLÉ - SYSTÈME BANCAIRE [somfindétfsfin ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ FAITS SAILLANTS FINANCIERS (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME BILAN AU 31 DECEMBRE 2025 Actif | 136014829 | 7517289.69267 | 53918482.90405416 | 54871292 | 190856035.68743 | 269426535.0769292 | 712604464.3610834 | 12779900.593933364 | 12779900.593933364 | 0 | 0 | 725384364.9550167 Bons B.R.H. | 10000000 | 0 | 0 | 0 | 0 | 0 | 10000000 | 0 | 0 | 0 | 0 | 10000000 Prêts | 13620598 | 177079.21088999975 | 12903652.51851653 | 12359578 | 25695359.87946 | 44821577.71588 | 109577845.32474652 | 4618229.840413365 | 4618229.840413365 | 0 | 0 | 114196075.16515988 Dépôts | 106769844 | 4580163.814689999 | 45686718.8776288 | 42795387 | 158374930.96248522 | 225153512.5416494 | 583360557.1964533 | 8720910.979243282 | 8720910.979243282 | 0 | 0 | 592081468.1756966 Avoir des Actionnaires | 12594010 | 1441734.5793 | 3944939.03276419 | 6022719 | 14128307.568380002 | 23541073.62481 | 61672783.80525419 | 1319164.59394 | 1319164.59394 | 0 | 0 | 62991948.39919419 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 VARIATION Déc. 25/Sept. 25 Actif | 0.03074091355065096 | 0.024565163133962127 | 0.05314130542628606 | 0.032095087896053635 | 0.02432531193132262 | 0.021009544280569725 | 0.027008506994248987 | 0.04057922166259486 | 0.04057922166259486 | 0 | 0 | 0.027244533454796816 Bons B.R.H. | -0.42196531791907516 | 0 | 0 | 0 | 0 | 0 | -0.5260663507109005 | 0 | 0 | 0 | 0 | -0.5260663507109005 Prêts | -0.020665777107852463 | -0.018406929692371083 | -0.03666441290285516 | 0.022596852577702227 | 0.002403432256194656 | -0.0027852567937045195 | -0.005195771409895719 | -0.021577584323826345 | -0.021577584323826345 | 0 | 0 | -0.005868908606741916 Dépôts | 0.029976021405473934 | 0.027265749320531944 | 0.05578916067270163 | 0.012245469399844272 | 0.020125277818161695 | 0.00935204995058144 | 0.01988045019245198 | 0.06764197639035369 | 0.06764197639035369 | 0 | 0 | 0.020552913306630716 Avoir des Actionnaires | 0.03339197476667875 | 0.0009415949026254876 | 0.019559984386707058 | 0.05437857125475504 | 0.042773432726447826 | 0.046792398060240686 | 0.04095503348180544 | 0.03242011637440388 | 0.03242011637440388 | 0 | 0 | 0.04077485057721741 RÉSULTATS TRIM 1 2026 (Octobre- Décembre 2025) Revenus nets d'intérêt | 1353376 | 81760.77957 | 332603.84873972397 | 498841 | 1231761.8007999999 | 2306565.2591700004 | 5804908.688279724 | 136602.17251 | 136602.17251 | 0 | 0 | 5941510.860789724 Autres revenus | 329789 | 6815.27887 | 343565.7539452153 | 706333 | 1097777.29433 | 1641871.02392 | 4126151.351065215 | 25584.32235 | 25584.32235 | 0 | 0 | 4151735.673415215 Dot. à la provision pr créances dout. | 17200 | 1352.37 | 9690.058850497573 | 13428 | 167288.88843 | 174509.55236000003 | 383468.8696404976 | 3172.6575700000003 | 3172.6575700000003 | 0 | 0 | 386641.5272104976 Frais d'exploitation | 1276216 | 81341.67538999999 | 558008.107399884 | 763003 | 1514402.0536500001 | 2449709.16561 | 6642680.002049884 | 104743.7427 | 104743.7427 | 0 | 0 | 6747423.744749884 Bénéfice net | 389749 | 5882.013050000009 | 75682.59358419031 | 310813 | 504904.15304999985 | 1052303.4832900004 | 2339334.2429741905 | 39617.16905 | 39617.16905 | 0 | 0 | 2378951.4120241906 TRIM 1 2025 (Octobre-Décembre 2024) Revenus nets d'intérêt | 1359275 | 44401.059290000005 | 291859.6677417329 | 428551 | 1116696.38623 | 2015832.30079 | 5256615.414051733 | 100112.11197999999 | 100112.11197999999 | 5961 | 5961 | 5362688.526031733 Autres revenus | 299216 | 2590.34919 | 279856.8924487768 | 545239 | 897267.68917 | 1471902.5240000002 | 3496072.454808777 | 19579.742880000005 | 19579.742880000005 | 36203 | 36203 | 3551855.197688777 Dot. à la provision pr créances dout. | 170000 | 0 | -12915.2223965123 | 15144 | 162139.35283 | 127569.23956999999 | 461937.3700034877 | 1203.0415399999983 | 1203.0415399999983 | 0 | 0 | 463140.4115434877 Frais d'exploitation | 1108240 | 63017.31897 | 532355.943597132 | 814737 | 1416827.27834 | 2424621.44549 | 6359798.986397131 | 95035.78129 | 95035.78129 | 90695 | 90695 | 6545529.767687132 Bénéfice net | 380251 | -16025.910489999995 | 36593.087292922966 | 135670 | 347873.64423000003 | 757959.1453399999 | 1642320.966372923 | 17120.713379999987 | 17120.713379999987 | -48531 | -48531 | 1610910.679752923 VARIATION TRIM 1 26 / TRIM 1 25 Revenus nets d'intérêt | -0.004339813503522098 | 0.8414150670593155 | 0.1396019577259495 | 0.1640178181826667 | 0.10304091245290407 | 0.14422477418685217 | 0.1043053811321862 | 0.36449196613981993 | 0.36449196613981993 | 0 | 0 | 0.10793510231822218 Autres revenus | 0.10217702261911128 | 1.6310270817194343 | 0.22764799872884803 | 0.2954557542655606 | 0.22346687346501623 | 0.11547537771597695 | 0.18022478206645207 | 0.3066730501417081 | 0.3066730501417081 | 0 | 0 | 0.16889215419502057 Dot. à la provision pr créances dout. | 0 | 0 | 1.7502819969336596 | -0.1133122028526149 | 0.03175993680818001 | 0.3679594935912656 | -0.16986826669251207 | 1.6371970248009928 | 1.6371970248009928 | 0 | 0 | -0.16517428068530152 Frais d'exploitation | 0.1515700570273587 | 0.290782862862247 | 0.04818611327868386 | -0.06349779131179754 | 0.06886850415833459 | 0.010347066824252281 | 0.04447955293206625 | 0.1021505929474745 | 0.1021505929474745 | 0 | 0 | 0.03084455868788935 Bénéfice net | 0.02497823805854554 | 1.3670314428419106 | 1.0682210543855146 | 1.2909486253409008 | 0.4514009940809933 | 0.388337999164804 | 0.4244074641150238 | 1.3139905546389112 | 1.3139905546389112 | 0 | 0 | 0.4767742506922032 RÉSULTATS CUMUL 2026 (Octobre 2025 - Décembre 2025) Revenus nets d'intérêt | 1353376 | 81760.77957 | 332603.84873972397 | 498841 | 1231761.8007999999 | 2306565.2591700004 | 5804908.688279724 | 136602.17251 | 136602.17251 | 0 | 0 | 5941510.860789724 Autres revenus | 329789 | 6815.27887 | 343565.7539452153 | 706333 | 1097777.29433 | 1641871.02392 | 4126151.351065215 | 25584.32235 | 25584.32235 | 0 | 0 | 4151735.673415215 Dot. à la provision pr créances dout. | 17200 | 1352.37 | 9690.058850497573 | 13428 | 167288.88843 | 174509.55236000003 | 383468.8696404976 | 3172.6575700000003 | 3172.6575700000003 | 0 | 0 | 386641.5272104976 Frais d'exploitation | 1276216 | 81341.67538999999 | 558008.107399884 | 763003 | 1514402.0536500001 | 2449709.16561 | 6642680.002049884 | 104743.7427 | 104743.7427 | 0 | 0 | 6747423.744749884 Bénéfice net | 389749 | 5882.013050000009 | 75682.59358419031 | 310813 | 504904.15304999985 | 1052303.4832900004 | 2339334.2429741905 | 39617.16905 | 39617.16905 | 0 | 0 | 2378951.4120241906 CUMUL 2025 (Octobre 2024 - Décembre 2024) Revenus nets d'intérêt | 1359275 | 44401.059290000005 | 291859.6677417329 | 428551 | 1116696.38623 | 2015832.30079 | 5256615.414051733 | 100112.11197999999 | 100112.11197999999 | 5961 | 5961 | 5362688.526031733 Autres revenus | 299216 | 2590.34919 | 279856.8924487768 | 545239 | 897267.68917 | 1471902.5240000002 | 3496072.454808777 | 19579.742880000005 | 19579.742880000005 | 36203 | 36203 | 3551855.197688777 Dot. à la provision pr créances dout. | 170000 | 0 | -12915.2223965123 | 15144 | 162139.35283 | 127569.23956999999 | 461937.3700034877 | 1203.0415399999983 | 1203.0415399999983 | 0 | 0 | 463140.4115434877 Frais d'exploitation | 1108240 | 63017.31897 | 532355.943597132 | 814737 | 1416827.27834 | 2424621.44549 | 6359798.986397131 | 95035.78129 | 95035.78129 | 90695 | 90695 | 6545529.767687132 Bénéfice net | 380251 | -16025.910489999995 | 36593.087292922966 | 135670 | 347873.64423000003 | 757959.1453399999 | 1642320.966372923 | 17120.713379999987 | 17120.713379999987 | -48531 | -48531 | 1610910.679752923 VARIATION CUMUL 2026/ CUMUL 2025 Revenus nets d'intérêt | -0.004339813503522098 | 0.8414150670593155 | 0.1396019577259495 | 0.1640178181826667 | 0.10304091245290407 | 0.14422477418685217 | 0.1043053811321862 | 0.36449196613981993 | 0.36449196613981993 | -1 | -1 | 0.10793510231822218 Autres revenus | 0.10217702261911128 | 1.6310270817194343 | 0.22764799872884803 | 0.2954557542655606 | 0.22346687346501623 | 0.11547537771597695 | 0.18022478206645207 | 0.3066730501417081 | 0.3066730501417081 | -1 | -1 | 0.16889215419502057 Dot. à la provision pr créances dout. | -0.8988235294117647 | 0 | 1.7502819969336596 | -0.1133122028526149 | 0.03175993680818001 | 0.3679594935912656 | -0.16986826669251207 | 1.6371970248009928 | 1.6371970248009928 | 0 | 0 | -0.16517428068530152 Frais d'exploitation | 0.1515700570273587 | 0.290782862862247 | 0.04818611327868386 | -0.06349779131179754 | 0.06886850415833459 | 0.010347066824252281 | 0.04447955293206625 | 0.1021505929474745 | 0.1021505929474745 | -1 | -1 | 0.03084455868788935 Bénéfice net | 0.02497823805854554 | 1.3670314428419106 | 1.0682210543855146 | 1.2909486253409008 | 0.4514009940809933 | 0.388337999164804 | 0.4244074641150238 | 1.3139905546389112 | 1.3139905546389112 | 1 | 1 | 0.4767742506922032 0 | 0 [sysratfinclé déc. 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 décembre 2025 | 0.09259291867359551 | 0.1917891471850306 | 0.07316487446028583 | 0.10976083814465312 | 0.07402599303444773 | 0.08737474064344972 | 0.08654560403371822 | 0.10322181962559311 | 0.10322181962559311 | 0 | 0 | 0.08683940741278662 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 Dépôts en % de l'actif Au 31 décembre 2025 | 0.7849867899330301 | 0.6092839310364813 | 0.8473294576727343 | 0.7799230789025343 | 0.8298135837939129 | 0.835676829223081 | 0.8186316341976482 | 0.6823927083895402 | 0.6823927083895402 | 0 | 0 | 0.8162313619930497 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 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2025 | 0.39811911288025675 | 0.9293905108456689 | 0.0021411107492402288 | 0.012882944480470502 | 0.05700704010162909 | 0.004525971778189713 | 0.08781158938624047 | 0.08476003934909415 | 0.08476003934909415 | 0 | 0 | 0.08769082417406648 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 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2025 | 0.6511570246579115 | 0.9304866174447753 | 7.8792960651054 | 2.440719721162795 | 1.843869115411449 | 6.31163837245793 | 1.0267065365397776 | 0.8188222709911994 | 0.8188222709911994 | 0 | 0 | 1.0187544706416265 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 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2025 | 0.20276663270872422 | 0.058684773999377375 | -0.04900549092690343 | -0.039326091753575085 | -0.09776878141522406 | -0.04711813026237679 | -0.004579647238008174 | 0.05777115631264603 | 0.05777115631264603 | 0 | 0 | -0.0032739093693128114 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 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2026 (octobre -décembre 2025) | 0.011635464702303614 | 0.003167834682064798 | 0.005759915814145681 | 0.02301546008862766 | 0.010709042209031634 | 0.015785271877766755 | 0.013306143287680195 | 0.012646421116616858 | 0.012646421116616858 | 0 | 0 | 0.013294593702769628 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 CUMUL 2026 (octobre 2025-décembre 2025) | 0.011635464702303614 | 0.003167834682064798 | 0.005759915814145681 | 0.02301546008862766 | 0.010709042209031634 | 0.015785271877766755 | 0.013306143287680195 | 0.012646421116616858 | 0.012646421116616858 | 0 | 0 | 0.013294593702769628 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 ROE (rendement de l'avoir des actionn.) TRIM 1 2026 (octobre -décembre 2025) | 0.1258215242521812 | 0.016326946909946932 | 0.07748216063904063 | 0.21189107086583844 | 0.14594141276661912 | 0.18289064610431396 | 0.15477016513460062 | 0.1220442751770629 | 0.1220442751770629 | 0 | 0 | 0.15408210858551682 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 CUMUL 2026 (octobre 2025-décembre 2025) | 0.1258215242521812 | 0.016326946909946932 | 0.07748216063904063 | 0.21189107086583844 | 0.14594141276661912 | 0.18289064610431396 | 0.15477016513460062 | 0.1220442751770629 | 0.1220442751770629 | 0 | 0 | 0.15408210858551682 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 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2026 (octobre -décembre 2025) | 0.8880880308099961 | 0.8841096792372047 | 0.7128104463500197 | 0.8312894425919167 | 0.8077662294479568 | 0.8871013308233284 | 0.8526470357735886 | 0.7522064120047088 | 0.7522064120047088 | 0 | 0 | 0.850037452607232 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 CUMUL 2026 (octobre 2025-décembre 2025) | 0.8880880308099961 | 0.8841096792372047 | 0.7128104463500197 | 0.8312894425919167 | 0.8077662294479568 | 0.8871013308233284 | 0.8526470357735886 | 0.7522064120047088 | 0.7522064120047088 | 0 | 0 | 0.850037452607232 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 Rendement moyen des prêts TRIM 1 2026 (octobre -décembre 2025) | 0.07654885312563597 | 0.008737501413220288 | 0.1069776070518041 | 0.15499384279597228 | 0.08688199603514973 | 0.12262890693927575 | 0.10742287281008073 | 0.10220186917625655 | 0.10220186917625655 | 0 | 0 | 0.10721423509419287 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 CUMUL 2026 (octobre 2025-décembre 2025) | 0.07654885312563597 | 0.008737501413220288 | 0.1069776070518041 | 0.15499384279597228 | 0.08688199603514973 | 0.12262890693927575 | 0.10742287281008073 | 0.10220186917625655 | 0.10220186917625655 | 0 | 0 | 0.10721423509419287 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 Rendement moyen des prêts productifs TRIM 1 2026 (octobre -décembre 2025) | 0.13730953274863644 | 0.12003596530949 | 0.10713712236208305 | 0.15664003076735375 | 0.09170994071401738 | 0.12317282355609203 | 0.11856899481199544 | 0.11203609248731637 | 0.11203609248731637 | 0 | 0 | 0.11830620957522295 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 CUMUL 2026 (octobre 2025-décembre 2025) | 0.13730953274863644 | 0.12003596530949 | 0.10713712236208305 | 0.15664003076735375 | 0.09170994071401738 | 0.12317282355609203 | 0.11856899481199544 | 0.11203609248731637 | 0.11203609248731637 | 0 | 0 | 0.11830620957522295 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 Rémunération moyenne des dépôts TRIM 1 2026 (octobre -décembre 2025) | 0.0064836054160886895 | 0.009485651053197276 | 0.012050928183322153 | 0.009520287173387806 | 0.0074773804503292865 | 0.00523937198768192 | 0.006946427530109735 | 0.02131518337375196 | 0.02131518337375196 | 0 | 0 | 0.00715344860019772 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 CUMUL 2026 (octobre 2025-décembre 2025) | 0.0064836054160886895 | 0.009485651053197276 | 0.012050928183322153 | 0.009520287173387806 | 0.0074773804503292865 | 0.00523937198768192 | 0.006946427530109735 | 0.02131518337375196 | 0.02131518337375196 | 0 | 0 | 0.00715344860019772 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 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2026 (octobre -décembre 2025) | 0.7582239412060018 | 0.918325751027853 | 0.8252487322472665 | 0.6331060909047158 | 0.6500865586741694 | 0.620425148077326 | 0.6688792511305813 | 0.6458228398758799 | 0.6458228398758799 | 0 | 0 | 0.6685087619611371 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 CUMUL 2026 (octobre 2025-décembre 2025) | 0.7582239412060018 | 0.918325751027853 | 0.8252487322472665 | 0.6331060909047158 | 0.6500865586741694 | 0.620425148077326 | 0.6688792511305813 | 0.6458228398758799 | 0.6458228398758799 | 0 | 0 | 0.6685087619611371 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 Productivité par employé ('000) TRIM 1 2026 (octobre -décembre 2025) | 7223.884120171674 | 2315.7139461437905 | 5816.512711268295 | 6297.447419986936 | 8696.366197405505 | 10289.08477678176 | 8070.751758915025 | 8536.131308421052 | 8536.131308421052 | 0 | 0 | 8077.828358707436 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 CUMUL 2026 (octobre 2025-décembre 2025) | 7223.884120171674 | 2315.7139461437905 | 5816.512711268295 | 6297.447419986936 | 8696.366197405505 | 10289.08477678176 | 8070.751758915025 | 8536.131308421052 | 8536.131308421052 | 0 | 0 | 8077.828358707436 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 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 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 [bilsysbandéc. 25] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 décembre 2025 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 9675495 | 92507.94875 | 2272758.71782326 | 1517270 | 4565955.685880001 | 2941941.64746142 | 21065928.999914683 | 92123.56673 | 92123.56673 | 0 | 0 | 21158052.566644683 Avoirs à la BRH | 47587817 | 1798776.4437 | 21006889.070975017 | 20992155 | 76299645.91617 | 115300257.72524524 | 282985541.15609026 | 2182608.50809 | 2182608.50809 | 0 | 0 | 285168149.6641803 Avoirs à l'étranger | 2043055 | 0 | 2239760.687394264 | 7880651 | 7145115.85936 | 14854184.097920083 | 34162766.644674346 | 0 | 0 | 0 | 0 | 34162766.644674346 Avoirs dans les banques locales | 0 | 0 | 385848.722913776 | 95187 | 7042.36 | 3685.534430002136 | 491763.61734377814 | 364006.90894 | 364006.90894 | 0 | 0 | 855770.5262837781 Autres liquidités | 334304 | 17271.69085 | 26931.930969748002 | 272872 | 27436.467589999986 | 697100.735766788 | 1375916.825176536 | 23813.53177 | 23813.53177 | 0 | 0 | 1399730.356946536 59640671 | 1908556.0832999998 | 25932189.130076066 | 30758135 | 88045196.289 | 133797169.74082352 | 340081917.24319965 | 2662552.5155300004 | 2662552.5155300004 | 0 | 0 | 342744469.75872964 Bons B.R.H. | 10000000 | 0 | 0 | 0 | 0 | 0 | 10000000 | 0 | 0 | 0 | 0 | 10000000 Bons du Trésor / M.E.F. | 29646100 | 3799000 | 0 | 0 | 0 | 24097140 | 57542240 | 0 | 0 | 0 | 0 | 57542240 Autres Placements | 16446382 | 0 | 8672514.040561564 | 7968701 | 65714131.60536 | 57047133.061308056 | 155848861.7072296 | 3043602.8042900003 | 3043602.8042900003 | 0 | 0 | 158892464.5115196 Portefeuille net | 13620598 | 177079.21088999975 | 12903652.51851653 | 12359578 | 25695359.87946 | 44821577.71588 | 109577845.32474652 | 4618229.840413365 | 4618229.840413365 | 0 | 0 | 114196075.16515988 Immobilisations | 2535677 | 394783.01217999996 | 4999474.862789999 | 2190492 | 6060815.354739999 | 4687957.63115 | 20869199.860859998 | 752541.6410100001 | 752541.6410100001 | 0 | 0 | 21621741.50187 Autres actifs | 4125401 | 1237871.3863000001 | 1410652.3521100013 | 1594386 | 5340532.55887 | 4975556.927767661 | 18684400.225047663 | 1702973.79269 | 1702973.79269 | 0 | 0 | 20387374.017737664 136014829 | 7517289.69267 | 53918482.90405416 | 54871292 | 190856035.68743 | 269426535.0769292 | 712604464.3610834 | 12779900.593933364 | 12779900.593933364 | 0 | 0 | 725384364.9550167 PASSIF Dépôts À vue | 47548537 | 1714858.3806499997 | 21657998.510940053 | 19454895 | 77055503.36917594 | 108654589.52282003 | 276086381.783586 | 3759761.4346099244 | 3759761.4346099244 | 0 | 0 | 279846143.218196 Épargne | 45822592 | 681403.17602 | 10088245.739978408 | 13558125 | 54323358.650683485 | 85277908.55001007 | 209751633.11669195 | 1482960.050670004 | 1482960.050670004 | 0 | 0 | 211234593.16736194 À terme | 13398715 | 2183902.25802 | 13940474.626710344 | 9782367 | 26996068.942625783 | 31221014.468819335 | 97522542.29617546 | 3478189.493963353 | 3478189.493963353 | 0 | 0 | 101000731.79013881 106769844 | 4580163.814689999 | 45686718.8776288 | 42795387 | 158374930.96248522 | 225153512.5416494 | 583360557.1964535 | 8720910.979243282 | 8720910.979243282 | 0 | 0 | 592081468.1756967 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 | 5486231 | 371189.92711 | 2582641.8363095885 | 4272247 | 11577689.99808 | 12230733.6658928 | 36520733.427392386 | 362772.91602 | 362772.91602 | 0 | 0 | 36883506.343412384 5486231 | 371189.92711 | 2582641.8363095885 | 4272247 | 11577689.99808 | 12230733.6658928 | 36520733.427392386 | 362772.91602 | 362772.91602 | 0 | 0 | 36883506.343412384 Obligations à terme Banques locales | 1915606 | 0 | 0 | 290747 | 2186287.30489 | 3719479.83235 | 8112120.137239999 | 1479107.1306099999 | 1479107.1306099999 | 0 | 0 | 9591227.267849999 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 7260124 | 1047383.3027400001 | 647039.0176805034 | -73499 | 535316.12218 | 2893304.251464653 | 12309667.694065157 | 370527.2581 | 370527.2581 | 0 | 0 | 12680194.952165157 9175730 | 1047383.3027400001 | 647039.0176805034 | 217248 | 2721603.4270699997 | 6612784.083814653 | 20421787.831305157 | 1849634.3887099999 | 1849634.3887099999 | 0 | 0 | 22271422.220015153 Autres passifs | 1989014 | 76818.06883 | 1057144.139671069 | 1563691 | 4053503.73303 | 1888431.1599562601 | 10628602.10148733 | 527417.7160000001 | 527417.7160000001 | 0 | 0 | 11156019.81748733 123420819 | 6075555.113369999 | 49973543.87128997 | 48848573 | 176727728.1206652 | 245885461.4513131 | 650931680.5566382 | 11460735.999973282 | 11460735.999973282 | 0 | 0 | 662392416.5566115 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 750000 | 2025000 | 5986922.95602 | 12520625 | 24447547.95602 | 300000 | 300000 | 0 | 0 | 24747547.95602 Réserves | 1569551 | 58117.833620000005 | 477378.60000000003 | 811026 | 1734836.8717 | 2721522.46607 | 7372432.77139 | 322712.84589999996 | 322712.84589999996 | 0 | 0 | 7695145.61729 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 | 8024459 | -795708.2543200001 | 1284781.2465841903 | 3185309 | 6406547.7406600015 | 8298926.15874 | 26404314.891664192 | 696451.74804 | 696451.74804 | 0 | 0 | 27100766.63970419 12594010 | 1441734.5793 | 3944939.03276419 | 6022719 | 14128307.568380002 | 23541073.62481 | 61672783.80525419 | 1319164.59394 | 1319164.59394 | 0 | 0 | 62991948.399194196 136014829 | 7517289.69267 | 53918482.90405416 | 54871292 | 190856035.6890452 | 269426535.0761231 | 712604464.3618925 | 12779900.593913283 | 12779900.593913283 | 0 | 0 | 725384364.9558059 Hors-bilan Effets à l'encaissement | 1627113 | 0 | 0 | 0 | 2716.103059494 | 4753.824239152001 | 1634582.927298646 | 0 | 0 | 0 | 0 | 1634582.927298646 Crédit documentaire | 0 | 0 | 0 | 0 | 1884354.006948028 | 2085129.540821244 | 3969483.547769272 | 0 | 0 | 0 | 0 | 3969483.547769272 Autres | 4841387 | 236218.17043 | 5796344.772130188 | 43467 | 8011546.02292482 | 3114691.3816256328 | 22043654.34711064 | 489268.89789364394 | 489268.89789364394 | 0 | 0 | 22532923.245004285 Portefeuille brut | 18387281 | 1309616.37089 | 13125078.439024258 | 12760825 | 28713541.29388 | 46139615.68791 | 120435957.79170427 | 4962655.0104133645 | 4962655.0104133645 | 0 | 0 | 125398612.80211763 Provisions pour créances Fouteuses | 4766683 | 1132537.1600000001 | 221425.92050772868 | 401247 | 3018181.4144200003 | 1318037.97203 | 10858112.466957731 | 344425.17000000004 | 344425.17000000004 | 0 | 0 | 11202537.636957731 Portefeuille de crédit improFuctif | 7320328 | 1217145.027953308 | 28102.246530416 | 164397 | 1636874 | 208826.59846 | 10575672.872943724 | 420634.833958616 | 420634.833958616 | 0 | 0 | 10996307.70690234 Dépôts US convertis | 41171767 | 2544886.9862 | 31910709.810498804 | 30983223 | 106737668.37898521 | 159152564.65719944 | 372500819.8328835 | 6632520.685193282 | 6632520.685193282 | 0 | 0 | 379133340.5180768 Immobilisation /A | 0.201339922709288 | 0.27382502844017065 | 1.267313593763426 | 0.36370483165493855 | 0.4289838202775587 | 0.19913950000179045 | 0.3383858903914445 | 0.5704683437283249 | 0.5704683437283249 | 0 | 0 | 0.3432461140088594 Liquidité en % de l'actif | 0.7299701931765102 | 0.759257168027641 | 0.4809517577900214 | 0.5605505880925858 | 0.4613173273345883 | 0.5860384527297582 | 0.57202021265566 | 0.20833906304356684 | 0.20833906304356684 | 0 | 0 | 0.5656128386282117 Liquidité en % des dépôts | 0.9299139839522478 | 1.2461467131359156 | 0.5676089193346331 | 0.7187254785194488 | 0.5559288692593372 | 0.7012740239245251 | 0.698751659183443 | 0.3053066958104681 | 0.3053066958104681 | 0 | 0 | 0.6929565132698587 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 133797169.74082352 | BNC | 10000000 | UNIBK | 44821577.71588 | UNIBK | 23541073.62481 SOGEBK | 88045196.289 | UNIBK | 0 | SOGEBK | 25695359.87946 | SOGEBK | 14128307.568380002 BNC | 59640671 | BPH | 0 | BNC | 13620598 | BNC | 12594010 CAPITALBK | 30758135 | BUH | 0 | BUH | 12903652.51851653 | CAPITALBK | 6022719 BUH | 25932189.130076066 | SOGEBK | 0 | CAPITALBK | 12359578 | BUH | 3944939.03276419 SOGEBL | 2662552.5155300004 | CAPITALBK | 0 | SOGEBL | 4618229.840413365 | BPH | 1441734.5793 BPH | 1908556.0832999998 | CBNA | 0 | BPH | 177079.21088999975 | SOGEBL | 1319164.59394 CBNA | 0 | SOGEBL | 0 | CBNA | 0 | CBNA | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbandéc. 25$] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES CONVERTIES) AU 31 décembre 2025 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 6026477 | 38657.0424 | 227712.18051325998 | 458958 | 954032.9203700001 | 1008204.2564614201 | 8714041.39974468 | 14799.1293 | 14799.1293 | 0 | 0 | 8728840.52904468 Avoirs à la BRH | 13535311 | 897360.15149 | 15962553.672755018 | 14280658 | 50880810.38771 | 76843664.28556524 | 172400357.49752027 | 1636252.59722 | 1636252.59722 | 0 | 0 | 174036610.09474027 Avoirs à l'étranger | 2043055 | 0 | 2239760.687394264 | 7880651 | 7145115.85936 | 14854184.097920083 | 34162766.644674346 | 0 | 0 | 0 | 0 | 34162766.644674346 Avoirs dans les banques locales | 0 | 0 | 288467.925823776 | 1149 | 0 | 0 | 289616.925823776 | 251867.74747 | 251867.74747 | 0 | 0 | 541484.673293776 Autres liquidités | 38935 | 3606.95768 | 6994.175079748001 | 64731 | 123570.37001999999 | 309447.9979367881 | 547285.5007165361 | 7796.10962 | 7796.10962 | 0 | 0 | 555081.6103365361 21643778 | 939624.15157 | 18725488.641566064 | 22686147 | 59103529.53746 | 93015500.63788354 | 216114067.96847963 | 1910715.58361 | 1910715.58361 | 0 | 0 | 218024783.55208963 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 | 17208206 | 0 | 5604404.741423912 | 3274179 | 39068958.78456 | 43005471.36221806 | 108161219.88820198 | 1359185.5292200001 | 1359185.5292200001 | 0 | 0 | 109520405.41742198 Portefeuille net | 4271376 | 626636.34847 | 8813888.628667388 | 7628475 | 15529959.75077 | 30281328.05955 | 67151663.78745739 | 2744083.8993833647 | 2744083.8993833647 | 0 | 0 | 69895747.68684076 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres actifs | 1832580 | 1180652.5933900003 | 292220.476155852 | 370622 | 1534052.2066 | 673900.2932976619 | 5884027.569443515 | 1156525.20015 | 1156525.20015 | 0 | 0 | 7040552.7695935145 44955940 | 2746913.0934300004 | 33436002.487813216 | 33959423 | 115236500.27938999 | 166976200.35294923 | 397310979.2135825 | 7170510.212363364 | 7170510.212363364 | 0 | 0 | 404481489.42594594 PASSIF Dépôts À vue | 16987965 | 901412.7040799999 | 14812553.591770053 | 14740860 | 48875227.730145946 | 78459676.15160002 | 174777695.17759603 | 3026835.4166999245 | 3026835.4166999245 | 0 | 0 | 177804530.59429595 Épargne | 17017112 | 250629.01669 | 6188612.683318408 | 9129098 | 37059116.69100349 | 56371952.82277007 | 126016521.21378195 | 1100221.2905100042 | 1100221.2905100042 | 0 | 0 | 127116742.50429195 À terme | 7166690 | 1392845.2654300001 | 10909543.535410345 | 7113265 | 20803323.957835782 | 24320935.682829335 | 71706603.44150546 | 2505463.9779833527 | 2505463.9779833527 | 0 | 0 | 74212067.41948882 41171767 | 2544886.9862 | 31910709.810498804 | 30983223 | 106737668.37898521 | 159152564.65719944 | 372500819.8328835 | 6632520.685193282 | 6632520.685193282 | 0 | 0 | 379133340.51807666 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 | 1041290 | 52965.77373 | 1024451.7621501359 | 2062401 | 6300755.967699999 | 5822464.3163928 | 16304328.819972934 | 162235.52698 | 162235.52698 | 0 | 0 | 16466564.346952934 1041290 | 52965.77373 | 1024451.7621501359 | 2062401 | 6300755.967699999 | 5822464.3163928 | 16304328.819972934 | 162235.52698 | 162235.52698 | 0 | 0 | 16466564.346952934 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 | 2732535 | 18731.53896 | 426465.19671405206 | 0 | 344429.32567 | 1161323.6515846523 | 4683484.712928705 | 313498.56 | 313498.56 | 0 | 0 | 4996983.2729287045 2732535 | 18731.53896 | 426465.19671405206 | 0 | 344429.32567 | 1161323.6515846523 | 4683484.712928705 | 313498.56 | 313498.56 | 0 | 0 | 4996983.2729287045 Autres passifs | 0 | 4957.37494 | 58185.898676009936 | 902533 | 1867314.6203700001 | 785358.5306262601 | 3618349.42461227 | 59269.60147 | 59269.60147 | 0 | 0 | 3677619.0260822703 44945592 | 2621541.67383 | 33419812.668039 | 33948157 | 115250168.29272522 | 166921711.15580317 | 397106982.7903974 | 7167524.373643281 | 7167524.373643281 | 0 | 0 | 404274507.16404057 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 44945592 | 2621541.67383 | 33419812.668039 | 33948157 | 115250168.29272522 | 166921711.15580317 | 397106982.7903974 | 7167524.373643281 | 7167524.373643281 | 0 | 0 | 404274507.16404057 Actif devises en % actif total | 0.33052234326596847 | 0.3654126960290589 | 0.6201213514725791 | 0.6188923526714115 | 0.6037875609452346 | 0.6197466790168704 | 0.557547698736085 | 0.5610771507696402 | 0.5610771507696402 | #DIV/0! | #DIV/0! | 0.5576098810056777 Dépôts devises en % dépôts totaux | 0.38561231765029086 | 0.5556323068702831 | 0.6984679704395311 | 0.7239851108251457 | 0.6739555795245682 | 0.7068624551338458 | 0.6385430335281298 | 0.7605307176027141 | 0.7605307176027141 | #DIV/0! | #DIV/0! | 0.6403398195965341 [bilsysbandéc. 25 gdes ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (GOURDES EXCLUANT LES DEVISES) AU 31 décembre 2025 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 3649018 | 53850.90635 | 2045046.53731 | 1058312 | 3611922.7655100003 | 1933737.391 | 12351887.600170001 | 77324.43743 | 77324.43743 | 0 | 0 | 12429212.037600001 Avoirs à la BRH | 34052506 | 901416.29221 | 5044335.39822 | 6711497 | 25418835.528460003 | 38456593.43968 | 110585183.65857002 | 546355.91087 | 546355.91087 | 0 | 0 | 111131539.56944002 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 0 | 0 | 97380.79709000001 | 94038 | 7042.36 | 3685.534430002136 | 202146.69152000212 | 112139.16147 | 112139.16147 | 0 | 0 | 314285.85299000214 Autres liquidités | 295369 | 13664.73317 | 19937.75589 | 208141 | -96133.90243 | 387652.73783 | 828631.32446 | 16017.42215 | 16017.42215 | 0 | 0 | 844648.74661 37996893 | 968931.93173 | 7206700.488509999 | 8071988 | 28941666.75154 | 40781669.10294001 | 123967849.27472003 | 751836.9319200001 | 751836.9319200001 | 0 | 0 | 124719686.20664002 Bons B.R.H. | 10000000 | 0 | 0 | 0 | 0 | 0 | 10000000 | 0 | 0 | 0 | 0 | 10000000 Bons du Trésor / M.E.F. | 29646100 | 3799000 | 0 | 0 | 0 | 24097140 | 57542240 | 0 | 0 | 0 | 0 | 57542240 Autres Placements | -761824 | 0 | 3068109.299137651 | 4694522 | 26645172.8208 | 14041661.699090004 | 47687641.819027655 | 1684417.27507 | 1684417.27507 | 0 | 0 | 49372059.09409765 Portefeuille net | 9349222 | -449557.1375800001 | 4089763.8898491417 | 4731103 | 10165400.12869 | 14540249.65633 | 42426181.53728914 | 1874145.9410299999 | 1874145.9410299999 | 0 | 0 | 44300327.478319146 Immobilisations | 2535677 | 394783.01217999996 | 4999474.862789999 | 2190492 | 6060815.354739999 | 4687957.63115 | 20869199.860859998 | 752541.6410100001 | 752541.6410100001 | 0 | 0 | 21621741.50187 Autres actifs | 2292821 | 57218.79291 | 1118431.8759541493 | 1223764 | 3806480.35227 | 4301656.634469999 | 12800372.655604148 | 546448.5925400001 | 546448.5925400001 | 0 | 0 | 13346821.248144148 91058889 | 4770376.59924 | 20482480.416240938 | 20911869 | 75619535.40804 | 102450334.72398002 | 315293485.14750093 | 5609390.38157 | 5609390.38157 | 0 | 0 | 320902875.5290709 PASSIF Dépôts À vue | 30560572 | 813445.6765699999 | 6845444.91917 | 4714035 | 28180275.63902999 | 30194913.37122 | 101308686.60599 | 732926.01791 | 732926.01791 | 0 | 0 | 102041612.6239 Épargne | 28805480 | 430774.15933 | 3899633.0566600002 | 4429027 | 17264241.95968 | 28905955.72724 | 83735111.90291 | 382738.76015999995 | 382738.76015999995 | 0 | 0 | 84117850.66307 À terme | 6232025 | 791056.99259 | 3030931.0913 | 2669102 | 6192744.984790002 | 6900078.78599 | 25815938.854670003 | 972725.51598 | 972725.51598 | 0 | 0 | 26788664.370650005 65598077 | 2035276.8284899998 | 13776009.06713 | 11812164 | 51637262.58349999 | 66000947.88445 | 210859737.36356997 | 2088390.2940500001 | 2088390.2940500001 | 0 | 0 | 212948127.65761998 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 | 4444941 | 318224.15338000003 | 1558190.0741594527 | 2209846 | 5276934.030379999 | 6408269.3495000005 | 20216404.607419454 | 200537.38904 | 200537.38904 | 0 | 0 | 20416941.996459454 4444941 | 318224.15338000003 | 1558190.0741594527 | 2209846 | 5276934.030379999 | 6408269.3495000005 | 20216404.607419454 | 200537.38904 | 200537.38904 | 0 | 0 | 20416941.996459454 Obligations à terme Banques locales | 1915606 | 0 | 0 | 290747 | 2186287.30489 | 3719479.83235 | 8112120.137239999 | 1479107.1306099999 | 1479107.1306099999 | 0 | 0 | 9591227.267849999 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4527589 | 1028651.76378 | 220573.8209664513 | -73499 | 190886.79650999978 | 1731980.5998799996 | 7626182.981136451 | 57028.69809999992 | 57028.69809999992 | 0 | 0 | 7683211.67923645 6443195 | 1028651.76378 | 220573.8209664513 | 217248 | 2377174.1013999996 | 5451460.432229999 | 15738303.118376449 | 1536135.8287099998 | 1536135.8287099998 | 0 | 0 | 17274438.94708645 Autres passifs | 1989014 | 71860.69389000001 | 998958.2409950591 | 661158 | 2186189.11266 | 1103072.62933 | 7010252.676875059 | 468148.1145300001 | 468148.1145300001 | 0 | 0 | 7478400.7914050585 78475227 | 3454013.43954 | 16553731.203250961 | 14900416 | 61477559.827939995 | 78963750.29551 | 253824697.76624095 | 4293211.626329999 | 4293211.626329999 | 0 | 0 | 258117909.39257094 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 750000 | 2025000 | 5986922.95602 | 12520625 | 24447547.95602 | 300000 | 300000 | 0 | 0 | 24747547.95602 Réserves | 1569551 | 58117.833620000005 | 477378.60000000003 | 811026 | 1734836.8717 | 2721522.46607 | 7372432.77139 | 322712.84589999996 | 322712.84589999996 | 0 | 0 | 7695145.61729 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 | 8024459 | -795708.2543200001 | 1284781.2465841903 | 3185309 | 6406547.7406600015 | 8298926.15874 | 26404314.891664192 | 696451.74804 | 696451.74804 | 0 | 0 | 27100766.63970419 12594010 | 1441734.5793 | 3944939.03276419 | 6022719 | 14128307.568380002 | 23541073.62481 | 61672783.8052542 | 1319164.59394 | 1319164.59394 | 0 | 0 | 62991948.399194196 91069237 | 4895748.01884 | 20498670.236015152 | 20923135 | 75605867.39632 | 102504823.92031999 | 315497481.5714952 | 5612376.2202699995 | 5612376.2202699995 | 0 | 0 | 321109857.79176515 [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 [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 | 40309152 | 2553566.9124600003 | 28935338.061065964 | 31616322 | 102483166.64088383 | 157932092.36319798 | 363829637.9776078 | 6180020.964497717 | 6180020.964497717 | 0 | 0 | 370009658.94210553 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 | 2324.093210000763 | 440282.20854870474 | 189099.60372 | 189099.60372 | 0 | 0 | 629381.8122687048 Autres liquidités | 451260 | 37005.72397 | 13829.540615935999 | 293518 | 210782.81645999997 | 1018799.7946012319 | 2025195.875647168 | 26659.88536 | 26659.88536 | 0 | 0 | 2051855.7610071679 49591442 | 2309710.1153700002 | 21592877.181520864 | 32535607 | 85164394.95818 | 132494477.02978782 | 323688508.28485876 | 2223401.04649 | 2223401.04649 | 0 | 0 | 325911909.3313488 Bons B.R.H. | 19200000 | 1400000 | 0 | 350000 | 3000000 | 3000000 | 26950000 | 0 | 0 | 0 | 0 | 26950000 Bons du Trésor / M.E.F. | 18287000 | 1921000 | 0 | 0 | 0 | 14273000 | 34481000 | 0 | 0 | 0 | 0 | 34481000 Autres Placements | 16286045 | 0 | 6055319.324554839 | 5630851 | 51698528.459489994 | 55170568.55409475 | 134841312.3381396 | 2621455.15699 | 2621455.15699 | 0 | 0 | 137462767.4951296 Portefeuille net | 15185875 | 166111.2362899999 | 13159416.355192548 | 11784089 | 26998490.269369997 | 41585562.47213001 | 108879544.33298254 | 4854975.250171347 | 4854975.250171347 | 0 | 0 | 113734519.58315389 Immobilisations | 2832892 | 352542.09784 | 5005296.372851761 | 1829860 | 6269776.120170001 | 4611075.650149999 | 20901442.24101176 | 604098.15744 | 604098.15744 | 0 | 0 | 21505540.39845176 Autres actifs | 3686870 | 1235501.17334 | 1323078.5998907038 | 1911588 | 3989069.7676199996 | 4155062.78424568 | 16301170.325096384 | 1781531.0917300002 | 1781531.0917300002 | 0 | 0 | 18082701.416826382 125070124 | 7384864.62284 | 47135987.83401071 | 54041995 | 177120259.57482997 | 255289746.49040824 | 666042977.522089 | 12085460.702821346 | 12085460.702821346 | 0 | 0 | 678128438.2249104 PASSIF Dépôts À vue | 44417504 | 1723784.4255300001 | 16964083.23431901 | 19906420 | 71817479.55339739 | 103836058.8872599 | 258665330.1005063 | 3860837.8789367354 | 3860837.8789367354 | 0 | 0 | 262526167.97944304 Épargne | 40531725 | 600526.1735299999 | 9114275.460674513 | 12384099 | 50613033.325691566 | 79737256.82406862 | 192980915.7839647 | 1244267.0059896638 | 1244267.0059896638 | 0 | 0 | 194225182.78995436 À terme | 12394536 | 2173642.962 | 12656081.882156897 | 10083694 | 25209428.581696417 | 32546246.891825374 | 95063630.31767869 | 2971696.5641726316 | 2971696.5641726316 | 0 | 0 | 98035326.88185132 97343765 | 4497953.56106 | 38734440.57715042 | 42374213 | 147639941.46078536 | 216119562.60315388 | 546709876.2021496 | 8076801.44909903 | 8076801.44909903 | 0 | 0 | 554786677.6512487 Obligations à vue Banques locales | 0 | 0 | 0 | 650000 | 0 | 0 | 650000 | 0 | 0 | 0 | 0 | 650000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 6230328 | 390900.24358999997 | 3196705.586823754 | 3533857 | 10422817.913679998 | 10361844.439493662 | 34136453.18358742 | 414155.33929000003 | 414155.33929000003 | 0 | 0 | 34550608.52287742 6230328 | 390900.24358999997 | 3196705.586823754 | 4183857 | 10422817.913679998 | 10361844.439493662 | 34786453.18358742 | 414155.33929000003 | 414155.33929000003 | 0 | 0 | 35200608.52287742 Obligations à terme Banques locales | 1961567 | 0 | 0 | 334448 | 1989599.3765699998 | 2277056.7475900003 | 6562671.124159999 | 1460281.15564 | 1460281.15564 | 0 | 0 | 8022952.2798 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 6594784 | 1044959.99201 | 550493.4913426044 | 76016 | 624754.5577999996 | 2172530.3301981916 | 11063538.371350795 | 343380.9586100001 | 343380.9586100001 | 0 | 0 | 11406919.329960795 8556351 | 1044959.99201 | 550493.4913426044 | 410464 | 2614353.9343699994 | 4449587.077788192 | 17626209.495510794 | 1803662.11425 | 1803662.11425 | 0 | 0 | 19429871.609760795 Autres passifs | 949782 | 29128.185830000002 | 1254613.6282966651 | 1910527 | 3726710.578969999 | 2293960.698313648 | 10164722.091410313 | 591368.4049399999 | 591368.4049399999 | 0 | 0 | 10756090.496350313 113080226 | 5962941.98249 | 43736253.28361344 | 48879061 | 164403823.88780534 | 233224954.8187494 | 609287260.9726582 | 10885987.307579031 | 10885987.307579031 | 0 | 0 | 620173248.2802372 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728155.76157 | 2025000 | 3000000 | 12527000 | 21445155.76157 | 300000 | 300000 | 0 | 0 | 21745155.76157 Réserves | 1715157 | 58117.833620000005 | 902534.062 | 836620 | 3504304.7636 | 2545510.76168 | 9562244.4209 | 344448.16109 | 344448.16109 | 0 | 0 | 9906692.58199 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 2014325 | 1198554.27904 | 1384 | 0 | 0 | 3214263.27904 | 0 | 0 | 0 | 0 | 3214263.27904 BNR | 7274741 | -815520.19313 | 570490.447937265 | 2299930 | 6212130.918510007 | 6992280.95323 | 22534053.126547273 | 555025.2341600002 | 555025.2341600002 | 0 | 0 | 23089078.36070727 11989898 | 1421922.6404900001 | 3399734.550547265 | 5162934 | 12716435.682110008 | 22064791.71491 | 56755716.58805727 | 1199473.3952500003 | 1199473.3952500003 | 0 | 0 | 57955189.98330727 125070124 | 7384864.62298 | 47135987.83416071 | 54041995 | 177120259.56991535 | 255289746.5336594 | 666042977.5607154 | 12085460.702829031 | 12085460.702829031 | 0 | 0 | 678128438.2635444 Hors-bilan Effets à l'encaissement | 1625933 | 0 | 0 | 0 | 2498.0482305140004 | 0 | 1628431.048230514 | 0 | 0 | 0 | 0 | 1628431.048230514 Crédit documentaire | 0 | 0 | 0 | 0 | 1639907.033222992 | 1962324.8448775678 | 3602231.87810056 | 0 | 0 | 0 | 0 | 3602231.87810056 Autres | 4566684 | 244974.98877752002 | 4698729.866794469 | 43727 | 8869435.379590824 | 3471331.6484486395 | 21894882.88361145 | 568655.152789728 | 568655.152789728 | 0 | 0 | 22463538.03640118 Portefeuille brut | 20307593 | 1300196.50657 | 13495290.90427637 | 12198966 | 29611055.53828 | 42757768.152660005 | 119670870.10178638 | 5190585.131901346 | 5190585.131901346 | 0 | 0 | 124861455.23368773 Provisions pour créances Fouteuses | 5121718 | 1134085.27028 | 335874.5490838208 | 414877 | 2612565.26891 | 1172205.68053 | 10791325.76880382 | 335609.88173 | 335609.88173 | 0 | 0 | 11126935.65053382 Portefeuille de crédit improFuctif | 10130506 | 1217794.3471827519 | 133952.050119184 | 221246 | 4189305 | 515675.30692000006 | 16408478.704221936 | 668613.759138912 | 668613.759138912 | 0 | 0 | 17077092.463360846 Dépôts US convertis | 101117197 | 2553566.9124600003 | 28935338.061065964 | 31616322 | 102483166.64088383 | 157932092.36319798 | 424637682.9776078 | 6180020.964497717 | 6180020.964497717 | 0 | 0 | 430817703.94210553 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 | 0.5866568441886675 | 0.5782202069266416 | 0.1839732138610941 | 0.1839732138610941 | 0 | 0 | 0.5711940209221565 Liquidité en % des dépôts | 0.8945456547730612 | 1.2518382057379558 | 0.5574593787797875 | 0.7760759356167866 | 0.5971581543981941 | 0.6929843611834251 | 0.7044312258636759 | 0.2752823701934658 | 0.2752823701934658 | 0 | 0 | 0.6981835089681825 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 | 3043602.8042900003 | 3043602.8042900003 | 0 | 0 | 137306223.0990594 Portefeuille net | 15729675 | 171676.19908000017 | 14287856.408734636 | 11777384 | 28611827.434189998 | 42313270.945769995 | 112891689.98777464 | 4618229.840413365 | 4618229.840413365 | 0 | 0 | 117509919.828188 Immobilisations | 2847591.9984100005 | 352577.11397999997 | 5076929.43916 | 1842097 | 6308850.322959999 | 4597332.87228 | 21025378.74679 | 752541.6410100001 | 752541.6410100001 | 0 | 0 | 21777920.3878 Autres actifs | 3528282 | 1236740.78514 | 2125356.4579384006 | 1631385 | 5779850.179429999 | 4866817.721940225 | 19168432.144448623 | 1702973.79269 | 1702973.79269 | 0 | 0 | 20871405.937138624 124953871.99841 | 7560246.97747 | 47006480.58155779 | 53031387 | 175590326.47918 | 245612840.78270063 | 653755153.8193185 | 12247927.549193364 | 12247927.549193364 | 950618 | 950618 | 666953699.3685118 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 | 40309152 | 2553566.9124600003 | 28935338.061065964 | 31616322 | 102483166.64088383 | 157932092.36319798 | 363829637.9776078 | 6180020.964497717 | 6180020.964497717 | 0 | 0 | 370009658.94210553 Immobilisation /A | 0.24233027118413003 | 0.25191259086217005 | 1.5148586314648769 | 0.3347869689307882 | 0.49295273510117266 | 0.21888725994234884 | 0.3767619433488153 | 0.6722551915683903 | 0.6722551915683903 | 0 | 0 | 0.3787012061657705 Liquidité en % de l'actif | 0.6934322771614677 | 0.7670718822483088 | 0.43571621955290923 | 0.5945043262775684 | 0.46934435541209474 | 0.5681279843111542 | 0.5604652299946555 | 0.17395428428463536 | 0.17395428428463536 | 1 | 1 | 0.5539938236584733 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 106276681 | 6020059.55797648 | 42771069.389511235 | 44856612 | 151850034.37670344 | 216437497.32077146 | 568211953.6449625 | 10203632.005462354 | 10203632.005462354 | 4392205 | 4392205 | 582807790.650425 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728155.76157 | 2025000 | 3000000 | 12542800 | 21460955.76157 | 300000 | 300000 | 133333 | 133333 | 21894288.76157 Réserves | 2967392 | 58117.833620000005 | 930894.147 | 658661 | 3314796.1687700003 | 2111176.1258199997 | 10041037.27521 | 364431.13370999997 | 364431.13370999997 | 74036 | 74036 | 10479504.408920001 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 53802.03257 | 1198554.27904 | 1384 | 0 | 0 | 1253740.31161 | 0 | 0 | 0 | 0 | 1253740.31161 BNR | 6682265 | -810003.17292 | 391222.0564463091 | 2516257 | 5069688.918169998 | 4391347.513909999 | 18240777.315606307 | 405802.94921000017 | 405802.94921000017 | 410944 | 410944 | 19057524.264816307 12649657 | -533083.3067300001 | 3248826.244056309 | 5201302 | 11384485.086939998 | 19045323.63973 | 50996510.66399631 | 1070234.0829200002 | 1070234.0829200002 | 618313 | 618313 | 52685057.74691631 118926338 | 5486976.251246479 | 46019895.63356754 | 50057914 | 163234519.46364343 | 235482820.96050146 | 619208464.308959 | 11273866.088382354 | 11273866.088382354 | 5010518 | 5010518 | 635492848.3973411 Hors-bilan Effets à l'encaissement | 1643294 | 0 | 0 | 0 | 2541.7783314380004 | 4400.94244 | 1650236.720771438 | 0 | 0 | 0 | 0 | 1650236.720771438 Crédit documentaire | 0 | 0 | 0 | 0 | 1754326.1467018242 | 1949955.85134 | 3704281.9980418244 | 0 | 0 | 0 | 0 | 3704281.9980418244 Autres | 3795045 | 300183.596265637 | 4709216.476470712 | 137243 | 9120532.772008345 | 2834062.4722199994 | 20896283.316964693 | 433920.49467 | 433920.49467 | 0 | 0 | 21330203.811634693 Portefeuille brut | 22103390 | 1329384.7868364798 | 12508778.85665793 | 12072901 | 33053676.25624 | 42325548.86485 | 123393679.7645844 | 5154628.884363157 | 5154628.884363157 | 55444 | 55444 | 128603752.64894757 Provisions pour créances Fouteuses | 3886157 | 1136876.8195200001 | 309819.5067293988 | 394934 | 3007591.1343900003 | 1189941.57228 | 9925320.0329194 | 285704.23039 | 285704.23039 | 0 | 0 | 10211024.263309399 Portefeuille de crédit improFuctif | 8928305 | 1226524.539336342 | 200139.465452502 | 328665 | 3891029 | 360585.56028 | 14935248.565068845 | 524272.169288105 | 524272.169288105 | 0 | 0 | 15459520.73435695 Dépôts US convertis | 39435495 | 2716745.03886 | 27068766.752350286 | 29953141 | 98301787.19911095 | 149776195.82776865 | 347252130.8180899 | 6483839.89304698 | 6483839.89304698 | 1336485 | 1336485 | 355072455.7111369 Immobilisation /A | 0.22978923447568583 | -0.6604267933835625 | 0.5528516377477838 | 0.3469360171741614 | 0.5528516377477838 | 0.2357831753279495 | 0.4111312442522904 | 0.567440025459734 | 0.567440025459734 | 0.3961504933585417 | 0.3961504933585417 | 0.4141306562077566 Liquidité en % de l'actif | 0.646226636923263 | 0.6402894752416846 | 0.47312707316887803 | 0.601441882508205 | 0.47312707316887803 | 0.5597741733909806 | 0.550258399596985 | 0.18111239462323148 | 0.18111239462323148 | 0.9380650862844919 | 0.9380650862844919 | 0.546554366876415 Liquidité en % des dépôts | 0.83717808594314 | 0.7599698299375995 | 0.5649097518915304 | 0.7757849531764895 | 0.5649097518915304 | 0.6604246738743207 | 0.6711616770063675 | 0.2687729506981865 | 0.2687729506981865 | 1.239257656981165 | 1.239257656981165 | 0.6692101442905194 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 124438774.19062626 | BNC | 6700000 | UNIBK | 41135607.29257 | UNIBK | 19045323.63973 SOGEBK | 77174469.49766 | SOGEBK | 1500000 | SOGEBK | 30046085.12185 | BNC | 12649657 BNC | 45815754 | CAPITALBK | 250000 | BNC | 18217233 | SOGEBK | 11384485.086939998 CAPITALBK | 31001915 | UNIBK | 0 | BUH | 12198959.349928532 | CAPITALBK | 5201302 BUH | 22050816.718995485 | BPH | 0 | CAPITALBK | 11677967 | BUH | 3248826.244056309 CBNA | 4700192 | BUH | 0 | SOGEBL | 4868924.653973157 | SOGEBL | 1070234.0829200002 BPH | 2235544.26039 | CBNA | 0 | BPH | 192507.96731647965 | CBNA | 618313 SOGEBL | 2126349.1882200004 | SOGEBL | 0 | CBNA | 55444 | BPH | -533083.3067300001 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanmars 24] SYSTÈME DANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ 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 | 9675495 | 92507.94875 | 2272758.71782326 | 1517270 | 4565955.685880001 | 2941941.64746142 | 21065928.999914683 | 92123.56673 | 92123.56673 | 0 | 0 | 21158052.566644683 Avoirs à la BRH | 47587817 | 1798776.4437 | 21006889.070975017 | 20992155 | 76299645.91617 | 115300257.72524524 | 282985541.15609026 | 2182608.50809 | 2182608.50809 | 0 | 0 | 285168149.6641803 Avoirs à l'étranger | 2043055 | 0 | 2239760.687394264 | 7880651 | 7145115.85936 | 14854184.097920083 | 34162766.644674346 | 0 | 0 | 0 | 0 | 34162766.644674346 Avoirs dans les banques locales | 0 | 0 | 385848.722913776 | 95187 | 7042.36 | 3685.534430002136 | 491763.61734377814 | 364006.90894 | 364006.90894 | 0 | 0 | 855770.5262837781 Autres liquidités | 334304 | 17271.69085 | 26931.930969748002 | 272872 | 27436.467589999986 | 697100.735766788 | 1375916.825176536 | 23813.53177 | 23813.53177 | 0 | 0 | 1399730.356946536 59640671 | 1908556.0832999998 | 25932189.130076066 | 30758135 | 88045196.289 | 133797169.74082352 | 340081917.24319965 | 2662552.5155300004 | 2662552.5155300004 | 0 | 0 | 342744469.75872964 Bons B.R.H. | 10000000 | 0 | 0 | 0 | 0 | 0 | 10000000 | 0 | 0 | 0 | 0 | 10000000 Bons du Trésor / M.E.F. | 29646100 | 3799000 | 0 | 0 | 0 | 24097140 | 57542240 | 0 | 0 | 0 | 0 | 57542240 Autres Placements | 16446382 | 0 | 8672514.040561564 | 7968701 | 65714131.60536 | 57047133.061308056 | 155848861.7072296 | 3043602.8042900003 | 3043602.8042900003 | 0 | 0 | 158892464.5115196 Portefeuille net | 13620598 | 177079.21088999975 | 12903652.51851653 | 12359578 | 25695359.87946 | 44821577.71588 | 109577845.32474652 | 4618229.840413365 | 4618229.840413365 | 0 | 0 | 114196075.16515988 Immobilisations | 2535677 | 394783.01217999996 | 4999474.862789999 | 2190492 | 6060815.354739999 | 4687957.63115 | 20869199.860859998 | 752541.6410100001 | 752541.6410100001 | 0 | 0 | 21621741.50187 Autres actifs | 4125401 | 1237871.3863000001 | 1410652.3521100013 | 1594386 | 5340532.55887 | 4975556.927767661 | 18684400.225047663 | 1702973.79269 | 1702973.79269 | 0 | 0 | 20387374.017737664 136014829 | 7517289.69267 | 53918482.90405416 | 54871292 | 190856035.68743 | 269426535.0769292 | 712604464.3610834 | 12779900.593933364 | 12779900.593933364 | 0 | 0 | 725384364.9550167 PASSIF Dépôts À vue | 47548537 | 1714858.3806499997 | 21657998.510940053 | 19454895 | 77055503.36917594 | 108654589.52282003 | 276086381.783586 | 3759761.4346099244 | 3759761.4346099244 | 0 | 0 | 279846143.218196 Épargne | 45822592 | 681403.17602 | 10088245.739978408 | 13558125 | 54323358.650683485 | 85277908.55001007 | 209751633.11669195 | 1482960.050670004 | 1482960.050670004 | 0 | 0 | 211234593.16736194 À terme | 13398715 | 2183902.25802 | 13940474.626710344 | 9782367 | 26996068.942625783 | 31221014.468819335 | 97522542.29617546 | 3478189.493963353 | 3478189.493963353 | 0 | 0 | 101000731.79013881 106769844 | 4580163.814689999 | 45686718.8776288 | 42795387 | 158374930.96248522 | 225153512.5416494 | 583360557.1964535 | 8720910.979243282 | 8720910.979243282 | 0 | 0 | 592081468.1756967 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 | 5486231 | 371189.92711 | 2582641.8363095885 | 4272247 | 11577689.99808 | 12230733.6658928 | 36520733.427392386 | 362772.91602 | 362772.91602 | 0 | 0 | 36883506.343412384 5486231 | 371189.92711 | 2582641.8363095885 | 4272247 | 11577689.99808 | 12230733.6658928 | 36520733.427392386 | 362772.91602 | 362772.91602 | 0 | 0 | 36883506.343412384 Obligations à terme Banques locales | 1915606 | 0 | 0 | 290747 | 2186287.30489 | 3719479.83235 | 8112120.137239999 | 1479107.1306099999 | 1479107.1306099999 | 0 | 0 | 9591227.267849999 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 7260124 | 1047383.3027400001 | 647039.0176805034 | -73499 | 535316.12218 | 2893304.251464653 | 12309667.694065157 | 370527.2581 | 370527.2581 | 0 | 0 | 12680194.952165157 9175730 | 1047383.3027400001 | 647039.0176805034 | 217248 | 2721603.4270699997 | 6612784.083814653 | 20421787.831305157 | 1849634.3887099999 | 1849634.3887099999 | 0 | 0 | 22271422.220015153 Autres passifs | 1989014 | 76818.06883 | 1057144.139671069 | 1563691 | 4053503.73303 | 1888431.1599562601 | 10628602.10148733 | 527417.7160000001 | 527417.7160000001 | 0 | 0 | 11156019.81748733 123420819 | 6075555.113369999 | 49973543.87128997 | 48848573 | 176727728.1206652 | 245885461.4513131 | 650931680.5566382 | 11460735.999973282 | 11460735.999973282 | 0 | 0 | 662392416.5566115 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 750000 | 2025000 | 5986922.95602 | 12520625 | 24447547.95602 | 300000 | 300000 | 0 | 0 | 24747547.95602 Réserves | 1569551 | 58117.833620000005 | 477378.60000000003 | 811026 | 1734836.8717 | 2721522.46607 | 7372432.77139 | 322712.84589999996 | 322712.84589999996 | 0 | 0 | 7695145.61729 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 | 8024459 | -795708.2543200001 | 1284781.2465841903 | 3185309 | 6406547.7406600015 | 8298926.15874 | 26404314.891664192 | 696451.74804 | 696451.74804 | 0 | 0 | 27100766.63970419 12594010 | 1441734.5793 | 3944939.03276419 | 6022719 | 14128307.568380002 | 23541073.62481 | 61672783.80525419 | 1319164.59394 | 1319164.59394 | 0 | 0 | 62991948.399194196 136014829 | 7517289.69267 | 53918482.90405416 | 54871292 | 190856035.6890452 | 269426535.0761231 | 712604464.3618925 | 12779900.593913283 | 12779900.593913283 | 0 | 0 | 725384364.9558059 Hors-bilan Effets à l'encaissement | 1627113 | 0 | 0 | 0 | 2716.103059494 | 4753.824239152001 | 1634582.927298646 | 0 | 0 | 0 | 0 | 1634582.927298646 Crédit documentaire | 0 | 0 | 0 | 0 | 1884354.006948028 | 2085129.540821244 | 3969483.547769272 | 0 | 0 | 0 | 0 | 3969483.547769272 Autres | 4841387 | 236218.17043 | 5796344.772130188 | 43467 | 8011546.02292482 | 3114691.3816256328 | 22043654.34711064 | 489268.89789364394 | 489268.89789364394 | 0 | 0 | 22532923.245004285 Portefeuille brut | 18387281 | 1309616.37089 | 13125078.439024258 | 12760825 | 28713541.29388 | 46139615.68791 | 120435957.79170427 | 4962655.0104133645 | 4962655.0104133645 | 0 | 0 | 125398612.80211763 Provisions pour créances douteuses | 4766683 | 1132537.1600000001 | 221425.92050772868 | 401247 | 3018181.4144200003 | 1318037.97203 | 10858112.466957731 | 344425.17000000004 | 344425.17000000004 | 0 | 0 | 11202537.636957731 Portefeuille de crédit improductif | 7320328 | 1217145.027953308 | 28102.246530416 | 164397 | 1636874 | 208826.59846 | 10575672.872943724 | 420634.833958616 | 420634.833958616 | 0 | 0 | 10996307.70690234 Dépôts US convertis | 41171767 | 2544886.9862 | 31910709.810498804 | 30983223 | 106737668.37898521 | 159152564.65719944 | 372500819.8328835 | 6632520.685193282 | 6632520.685193282 | 0 | 0 | 379133340.5180768 Immobilisation /A | 0.201339922709288 | 0.27382502844017065 | 1.267313593763426 | 0.36370483165493855 | 0.4289838202775587 | 0.19913950000179045 | 0.3383858903914445 | 0.5704683437283249 | 0.5704683437283249 | #DIV/0! | #DIV/0! | 0.3432461140088594 Liquidité en % de l'actif | 0.7299701931765102 | 0.759257168027641 | 0.4809517577900214 | 0.5605505880925858 | 0.4613173273345883 | 0.5860384527297582 | 0.57202021265566 | 0.20833906304356684 | 0.20833906304356684 | #DIV/0! | #DIV/0! | 0.5656128386282117 Liquidité en % des dépôts | 0.9299139839522478 | 1.2461467131359156 | 0.5676089193346331 | 0.7187254785194488 | 0.5559288692593372 | 0.7012740239245251 | 0.698751659183443 | 0.3053066958104681 | 0.3053066958104681 | #DIV/0! | #DIV/0! | 0.6929565132698587 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 133797169.74082352 | CAPITALBK | 0 | UNIBK | 44821577.71588 | UNIBK | 23541073.62481 SOGEBK | 88045196.289 | BNC | 10000000 | SOGEBK | 25695359.87946 | SOGEBK | 14128307.568380002 BNC | 59640671 | SOGEBK | 0 | BNC | 13620598 | BNC | 12594010 CAPITALBK | 0 | UNIBK | 0 | BUH | 12903652.51851653 | CAPITALBK | 6022719 BUH | 25932189.130076066 | BPH | 0 | CAPITALBK | 12359578 | BUH | 3944939.03276419 CBNA | 0 | BUH | 0 | SOGEBL | 4618229.840413365 | SOGEBL | 1319164.59394 SOGEBL | 2662552.5155300004 | CBNA | 0 | BPH | 177079.21088999975 | CBNA | 0 BPH | 1908556.0832999998 | SOGEBL | 0 | CBNA | 0 | BPH | 1441734.5793 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 1 2026 (Octobre- Décembre 2025) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 358321 | 2862.97661 | 357652.05805 | 489154 | 623491.2342899999 | 1416281.90582 | 3247763.17477 | 128616.43885 | 128616.43885 | 0 | 0 | 3376379.61362 Intérêts sur Bons B.R.H. | 326581 | 15678 | 4095 | 5616 | 577789.6470199999 | 21996 | 951755.6470199999 | 0 | 0 | 0 | 0 | 951755.6470199999 Autres | 839019 | 73937.11914 | 104862.053029724 | 105311 | 323617.97667 | 1161836.84886 | 2608583.997699724 | 52985.53945000001 | 52985.53945000001 | 0 | 0 | 2661569.537149724 1523921 | 92478.09575 | 466609.111079724 | 600081 | 1524898.8579799999 | 2600114.7546800002 | 6808102.819489723 | 181601.97830000002 | 181601.97830000002 | 0 | 0 | 6989704.797789725 Dépenses d'intérêt | 170545 | 10717.31618 | 134005.26234000002 | 101240 | 293137.05718 | 293549.49551000004 | 1003194.13121 | 44999.805790000006 | 44999.805790000006 | 0 | 0 | 1048193.937 1353376 | 81760.77957 | 332603.84873972397 | 498841 | 1231761.8007999999 | 2306565.2591700004 | 5804908.688279723 | 136602.17251 | 136602.17251 | 0 | 0 | 5941510.860789725 AUTRES REVENUS Commissions | 264955 | 3880.73465 | 199793.04589 | 337688 | 500484.22213999997 | 718972.0491800001 | 2025773.05186 | 10519.37387 | 10519.37387 | 0 | 0 | 2036292.42573 Gains sur change | 55038 | 1317.43004 | 82726.80373999997 | 118791 | 300735.85547 | 421237.54646 | 979846.63571 | 4119.15329 | 4119.15329 | 0 | 0 | 983965.789 Autres | 9796 | 1617.11418 | 61045.90431521536 | 249854 | 296557.21672 | 501661.42828 | 1120531.6634952154 | 10945.795189999999 | 10945.795189999999 | 0 | 0 | 1131477.4586852153 329789 | 6815.27887 | 343565.7539452153 | 706333 | 1097777.29433 | 1641871.02392 | 4126151.3510652157 | 25584.32235 | 25584.32235 | 0 | 0 | 4151735.6734152157 PRODUIT NET BANCAIRE | 1683165 | 88576.05844 | 676169.6026849393 | 1205174 | 2329539.09513 | 3948436.2830900005 | 9931060.039344938 | 162186.49486 | 162186.49486 | 0 | 0 | 10093246.534204941 Dotation à la provision pour créances douteuses | 17200 | 1352.37 | 9690.058850497573 | 13428 | 167288.88843 | 174509.55236000003 | 383468.8696404976 | 3172.6575700000003 | 3172.6575700000003 | 0 | 0 | 386641.5272104976 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1665965 | 87223.68844 | 666479.5438344417 | 1191746 | 2162250.2067 | 3773926.7307300004 | 9547591.169704441 | 159013.83729 | 159013.83729 | 0 | 0 | 9706605.006994443 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 846246 | 53960.46799 | 236726.39897000004 | 302738 | 658480.44101 | 1265007.12018 | 3363158.42815 | 44716.64761000001 | 44716.64761000001 | 0 | 0 | 3407875.07576 Frais de locaux | 36708 | 4804.49408 | 83648.77286 | 93915 | 56893.886179999994 | 80441.12906 | 356411.28218 | 19494.949139999997 | 19494.949139999997 | 0 | 0 | 375906.23131999996 Amortissement | 55710 | 4304.6078 | 24400.689579999995 | 32134 | 95213.9515 | 184074.30138999998 | 395837.55026999995 | 5667.413710000001 | 5667.413710000001 | 0 | 0 | 401504.96397999994 Autres dépenses d'exploitation | 337552 | 18272.10552 | 213232.245989884 | 334216 | 703813.7749600001 | 920186.61498 | 2527272.741449884 | 34864.73224 | 34864.73224 | 0 | 0 | 2562137.473689884 1276216 | 81341.67538999999 | 558008.107399884 | 763003 | 1514402.0536500001 | 2449709.16561 | 6642680.002049884 | 104743.7427 | 104743.7427 | 0 | 0 | 6747423.744749883 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 389749 | 5882.013050000009 | 108471.43643455766 | 428743 | 647848.1530499998 | 1324217.5651200004 | 2904911.167654557 | 54270.09458999999 | 54270.09458999999 | 0 | 0 | 2959181.26224456 Impôts sur le revenu | 0 | 0 | 32788.84285036735 | 117930 | 142944 | 271914.08183 | 565576.9246803673 | 14652.925539999998 | 14652.925539999998 | 0 | 0 | 580229.8502203673 BÉNÉFICE NET (PERTE NETTE) | 389749 | 5882.013050000009 | 75682.59358419031 | 310813 | 504904.15304999985 | 1052303.4832900004 | 2339334.24297419 | 39617.16905 | 39617.16905 | 0 | 0 | 2378951.4120241925 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYTÈME TRIM 1 2025 (Octobre-Décembre 2024) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 447582 | 3973.1069100000004 | 351115.96291999996 | 447883 | 706462.74569 | 1342046.02767 | 3299062.84319 | 106999.01887999999 | 106999.01887999999 | 94 | 94 | 3406155.86207 Intérêts sur Bons B.R.H. | 296546 | 3987.5 | 1579.5 | 21194 | 370706.62691999995 | 64656.75 | 758670.37692 | 0 | 0 | 0 | 0 | 758670.37692 Autres | 783447 | 54776.26484 | 48988.575561733 | 98033 | 287648.93026000005 | 933424.3670300001 | 2206318.1376917334 | 39332.47579 | 39332.47579 | 5867 | 5867 | 2251517.6134817335 1527575 | 62736.871750000006 | 401684.03848173295 | 567110 | 1364818.30287 | 2340127.1447 | 6264051.357801734 | 146331.49467 | 146331.49467 | 5961 | 5961 | 6416343.8524717335 Dépenses d'intérêt | 168300 | 18335.81246 | 109824.37074000001 | 138559 | 248121.91664 | 324294.84391 | 1007435.9437500001 | 46219.382690000006 | 46219.382690000006 | 0 | 0 | 1053655.3264400002 1359275 | 44401.059290000005 | 291859.6677417329 | 428551 | 1116696.38623 | 2015832.30079 | 5256615.414051734 | 100112.11197999999 | 100112.11197999999 | 5961 | 5961 | 5362688.5260317335 AUTRES REVENUS Commissions | 217710 | 4653.06999 | 174582.2300233334 | 312319 | 456038.47297 | 667437.9279000002 | 1832740.7008833336 | 7733.189140000002 | 7733.189140000002 | 2626 | 2626 | 1843099.8900233335 Gains sur change | 67594 | -2592.10153 | 62394.19291 | 117883 | 243157.41275999998 | 396445.88928999996 | 884882.3934299999 | 4545.41855 | 4545.41855 | 5719 | 5719 | 895146.8119799999 Autres | 13912 | 529.38073 | 42880.469515443445 | 115037 | 198071.80344000002 | 408018.70681 | 778449.3604954435 | 7301.135190000001 | 7301.135190000001 | 27858 | 27858 | 813608.4956854435 299216 | 2590.34919 | 279856.8924487768 | 545239 | 897267.68917 | 1471902.5240000002 | 3496072.454808777 | 19579.742880000005 | 19579.742880000005 | 36203 | 36203 | 3551855.197688777 PRODUIT NET BANCAIRE | 1658491 | 46991.408480000006 | 571716.5601905098 | 973790 | 2013964.0754 | 3487734.82479 | 8752687.868860511 | 119691.85485999999 | 119691.85485999999 | 42164 | 42164 | 8914543.72372051 Dotation à la provision pour créances douteuses | 170000 | 0 | -12915.2223965123 | 15144 | 162139.35283 | 127569.23956999999 | 461937.3700034877 | 1203.0415399999983 | 1203.0415399999983 | 0 | 0 | 463140.4115434877 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1488491 | 46991.408480000006 | 584631.782587022 | 958646 | 1851824.72257 | 3360165.58522 | 8290750.498857023 | 118488.81331999999 | 118488.81331999999 | 42164 | 42164 | 8451403.312177021 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 774761 | 36063.301250000004 | 225108.03574999998 | 299121 | 591604.32877 | 1228648.64826 | 3155306.31403 | 39260.604289999996 | 39260.604289999996 | 16745 | 16745 | 3211311.91832 Frais de locaux | 32044 | 4818.40206 | 89248.43530000001 | 89170 | 51615.41166 | 91475.30219 | 358371.55121 | 22474.563480000004 | 22474.563480000004 | 658 | 658 | 381504.11469 Amortissement | 57395 | 1822.19106 | 24080.07539 | 42024 | 93650.60009 | 193117.06337 | 412088.92991 | 3453.94708 | 3453.94708 | 8397 | 8397 | 423939.87699 Autres dépenses d'exploitation | 244040 | 20313.4246 | 193919.39715713199 | 384422 | 679956.93782 | 911380.4316700001 | 2434032.1912471317 | 29846.66644 | 29846.66644 | 64895 | 64895 | 2528773.8576871315 1108240 | 63017.31897 | 532355.943597132 | 814737 | 1416827.27834 | 2424621.44549 | 6359798.986397132 | 95035.78129 | 95035.78129 | 90695 | 90695 | 6545529.767687132 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 380251 | -16025.910489999995 | 52275.838989890064 | 143909 | 434997.44423 | 935544.1397299999 | 1930951.512459891 | 23453.032029999988 | 23453.032029999988 | -48531 | -48531 | 1905873.5444898894 Impôts sur le revenu | 0 | 0 | 15682.751696967101 | 8239 | 87123.8 | 177584.99439 | 288630.5460869671 | 6332.318649999999 | 6332.318649999999 | 0 | 0 | 294962.8647369671 BÉNÉFICE NET (PERTE NETTE) | 380251 | -16025.910489999995 | 36593.087292922966 | 135670 | 347873.64423000003 | 757959.1453399999 | 1642320.966372924 | 17120.713379999987 | 17120.713379999987 | -48531 | -48531 | 1610910.6797529224 Commissions / salaires | 0.31309453752218624 | 0.07191810587556767 | 0.8439829556792247 | 1.11544635955843 | 0.7600593593521776 | 0.5683541520918051 | 0.6023424394474136 | 0.23524513648128548 | #DIV/0! | #DIV/0! | #DIV/0! | 0.5975255490478566 marge nette en % revenus d'intérêts | 0.8880880308099961 | 0.8841096792372047 | 0.7128104463500197 | 0.8312894425919167 | 0.8077662294479568 | 0.8871013308233284 | 0.8526470357735886 | 0.7522064120047088 | #DIV/0! | #DIV/0! | #DIV/0! | 0.850037452607232 frais d'exploitation en % produit net bancaire | 0.7582239412060018 | 0.918325751027853 | 0.8252487322472665 | 0.6331060909047158 | 0.6500865586741694 | 0.620425148077326 | 0.6688792511305813 | 0.6458228398758799 | #DIV/0! | #DIV/0! | #DIV/0! | 0.6685087619611371 REVENUS D'INTÉR. | revnet%revint | AUTRES REVENUS | F.D'EXPL.%PNB | frais d'expl. | bénef.net UNIBK | 2600114.7546800002 | BNC | 0.8880880308099961 | UNIBK | 1641871.02392 | UNIBK | 0.620425148077326 | UNIBK | 2449709.16561 | UNIBK | 1052303.4832900004 SOGEBK | 1524898.8579799999 | UNIBK | 0.8871013308233284 | SOGEBK | 1097777.29433 | CAPITALBK | 0.6331060909047158 | SOGEBK | 1514402.0536500001 | SOGEBK | 504904.15304999985 BNC | 1523921 | BPH | 0.8841096792372047 | CAPITALBK | 706333 | SOGEBL | 0.6458228398758799 | BNC | 1276216 | BNC | 389749 CAPITALBK | 600081 | CAPITALBK | 0.8312894425919167 | BUH | 343565.7539452153 | SOGEBK | 0.6500865586741694 | CAPITALBK | 763003 | CAPITALBK | 310813 BUH | 466609.111079724 | SOGEBK | 0.8077662294479568 | BNC | 329789 | BNC | 0.7582239412060018 | BUH | 558008.107399884 | BUH | 75682.59358419031 SOGEBL | 181601.97830000002 | SOGEBL | 0.7522064120047088 | SOGEBL | 25584.32235 | BUH | 0.8252487322472665 | SOGEBL | 104743.7427 | SOGEBL | 39617.16905 BPH | 92478.09575 | BUH | 0.7128104463500197 | BPH | 6815.27887 | BPH | 0.918325751027853 | BPH | 81341.67538999999 | BPH | 5882.013050000009 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 2026 (Octobre 2025 - Décembre 2025) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 358321 | 2862.97661 | 357652.05805 | 489154 | 623491.2342899999 | 1416281.90582 | 3247763.17477 | 128616.43885 | 128616.43885 | 0 | 0 | 3376379.61362 Intérêts sur Bons B.R.H. | 326581 | 15678 | 4095 | 5616 | 577789.6470199999 | 21996 | 951755.6470199999 | 0 | 0 | 0 | 0 | 951755.6470199999 Autres | 839019 | 73937.11914 | 104862.053029724 | 105311 | 323617.97667 | 1161836.84886 | 2608583.997699724 | 52985.53945000001 | 52985.53945000001 | 0 | 0 | 2661569.537149724 1523921 | 92478.09575 | 466609.111079724 | 600081 | 1524898.8579799999 | 2600114.7546800002 | 6808102.819489723 | 181601.97830000002 | 181601.97830000002 | 0 | 0 | 6989704.797789725 Dépenses d'intérêt | 170545 | 10717.31618 | 134005.26234000002 | 101240 | 293137.05718 | 293549.49551000004 | 1003194.13121 | 44999.805790000006 | 44999.805790000006 | 0 | 0 | 1048193.937 1353376 | 81760.77957 | 332603.84873972397 | 498841 | 1231761.8007999999 | 2306565.2591700004 | 5804908.688279723 | 136602.17251 | 136602.17251 | 0 | 0 | 5941510.860789725 AUTRES REVENUS Commissions | 264955 | 3880.73465 | 199793.04589 | 337688 | 500484.22213999997 | 718972.0491800001 | 2025773.05186 | 10519.37387 | 10519.37387 | 0 | 0 | 2036292.42573 Gains sur change | 55038 | 1317.43004 | 82726.80373999997 | 118791 | 300735.85547 | 421237.54646 | 979846.63571 | 4119.15329 | 4119.15329 | 0 | 0 | 983965.789 Autres | 9796 | 1617.11418 | 61045.90431521536 | 249854 | 296557.21672 | 501661.42828 | 1120531.6634952154 | 10945.795189999999 | 10945.795189999999 | 0 | 0 | 1131477.4586852153 329789 | 6815.27887 | 343565.7539452153 | 706333 | 1097777.29433 | 1641871.02392 | 4126151.3510652157 | 25584.32235 | 25584.32235 | 0 | 0 | 4151735.6734152157 PRODUIT NET BANCAIRE | 1683165 | 88576.05844 | 676169.6026849393 | 1205174 | 2329539.09513 | 3948436.2830900005 | 9931060.039344938 | 162186.49486 | 162186.49486 | 0 | 0 | 10093246.534204941 Dotation à la provision pour créances douteuses | 17200 | 1352.37 | 9690.058850497573 | 13428 | 167288.88843 | 174509.55236000003 | 383468.8696404976 | 3172.6575700000003 | 3172.6575700000003 | 0 | 0 | 386641.5272104976 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1665965 | 87223.68844 | 666479.5438344417 | 1191746 | 2162250.2067 | 3773926.7307300004 | 9547591.169704441 | 159013.83729 | 159013.83729 | 0 | 0 | 9706605.006994443 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 846246 | 53960.46799 | 236726.39897000004 | 302738 | 658480.44101 | 1265007.12018 | 3363158.42815 | 44716.64761000001 | 44716.64761000001 | 0 | 0 | 3407875.07576 Frais de locaux | 36708 | 4804.49408 | 83648.77286 | 93915 | 56893.886179999994 | 80441.12906 | 356411.28218 | 19494.949139999997 | 19494.949139999997 | 0 | 0 | 375906.23131999996 Amortissement | 55710 | 4304.6078 | 24400.689579999995 | 32134 | 95213.9515 | 184074.30138999998 | 395837.55026999995 | 5667.413710000001 | 5667.413710000001 | 0 | 0 | 401504.96397999994 Autres dépenses d'exploitation | 337552 | 18272.10552 | 213232.245989884 | 334216 | 703813.7749600001 | 920186.61498 | 2527272.741449884 | 34864.73224 | 34864.73224 | 0 | 0 | 2562137.473689884 1276216 | 81341.67538999999 | 558008.107399884 | 763003 | 1514402.0536500001 | 2449709.16561 | 6642680.002049884 | 104743.7427 | 104743.7427 | 0 | 0 | 6747423.744749883 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 389749 | 5882.013050000009 | 108471.43643455766 | 428743 | 647848.1530499998 | 1324217.5651200004 | 2904911.167654557 | 54270.09458999999 | 54270.09458999999 | 0 | 0 | 2959181.26224456 Impôts sur le revenu | 0 | 0 | 32788.84285036735 | 117930 | 142944 | 271914.08183 | 565576.9246803673 | 14652.925539999998 | 14652.925539999998 | 0 | 0 | 580229.8502203673 BÉNÉFICE NET (PERTE NETTE) | 389749 | 5882.013050000009 | 75682.59358419031 | 310813 | 504904.15304999985 | 1052303.4832900004 | 2339334.24297419 | 39617.16905 | 39617.16905 | 0 | 0 | 2378951.4120241925 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME CUMUL 2025 (Octobre 2024 - Décembre 2024) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 447582 | 3973.1069100000004 | 351115.96291999996 | 447883 | 706462.74569 | 1342046.02767 | 3299062.84319 | 106999.01887999999 | 106999.01887999999 | 94 | 94 | 3406155.86207 Intérêts sur Bons B.R.H. | 296546 | 3987.5 | 1579.5 | 21194 | 370706.62691999995 | 64656.75 | 758670.37692 | 0 | 0 | 0 | 0 | 758670.37692 Autres | 783447 | 54776.26484 | 48988.575561733 | 98033 | 287648.93026000005 | 933424.3670300001 | 2206318.1376917334 | 39332.47579 | 39332.47579 | 5867 | 5867 | 2251517.6134817335 1527575 | 62736.871750000006 | 401684.03848173295 | 567110 | 1364818.30287 | 2340127.1447 | 6264051.357801734 | 146331.49467 | 146331.49467 | 5961 | 5961 | 6416343.8524717335 Dépenses d'intérêt | 168300 | 18335.81246 | 109824.37074000001 | 138559 | 248121.91664 | 324294.84391 | 1007435.9437500001 | 46219.382690000006 | 46219.382690000006 | 0 | 0 | 1053655.3264400002 1359275 | 44401.059290000005 | 291859.6677417329 | 428551 | 1116696.38623 | 2015832.30079 | 5256615.414051734 | 100112.11197999999 | 100112.11197999999 | 5961 | 5961 | 5362688.5260317335 0 AUTRES REVENUS | 0 Commissions | 217710 | 4653.06999 | 174582.2300233334 | 312319 | 456038.47297 | 667437.9279000002 | 1832740.7008833336 | 7733.189140000002 | 7733.189140000002 | 2626 | 2626 | 1843099.8900233335 Gains sur change | 67594 | -2592.10153 | 62394.19291 | 117883 | 243157.41275999998 | 396445.88928999996 | 884882.3934299999 | 4545.41855 | 4545.41855 | 5719 | 5719 | 895146.8119799999 Autres | 13912 | 529.38073 | 42880.469515443445 | 115037 | 198071.80344000002 | 408018.70681 | 778449.3604954435 | 7301.135190000001 | 7301.135190000001 | 27858 | 27858 | 813608.4956854435 299216 | 2590.34919 | 279856.8924487768 | 545239 | 897267.68917 | 1471902.5240000002 | 3496072.454808777 | 19579.742880000005 | 19579.742880000005 | 36203 | 36203 | 3551855.197688777 PRODUIT NET BANCAIRE | 1658491 | 46991.408480000006 | 571716.5601905098 | 973790 | 2013964.0754 | 3487734.82479 | 8752687.868860511 | 119691.85485999999 | 119691.85485999999 | 42164 | 42164 | 8914543.72372051 0 | 0 Dotation à la provision pour créances douteuses | 170000 | 0 | -12915.2223965123 | 15144 | 162139.35283 | 127569.23956999999 | 461937.3700034877 | 1203.0415399999983 | 1203.0415399999983 | 0 | 0 | 463140.4115434877 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0 ET IMPÔTS SUR LE REVENU | 1488491 | 46991.408480000006 | 584631.782587022 | 958646 | 1851824.72257 | 3360165.58522 | 8290750.498857023 | 118488.81331999999 | 118488.81331999999 | 42164 | 42164 | 8451403.312177021 0 DÉPENSES D'EXPLOITATION | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Salaires et avantages sociaux | 774761 | 36063.301250000004 | 225108.03574999998 | 299121 | 591604.32877 | 1228648.64826 | 3155306.31403 | 39260.604289999996 | 39260.604289999996 | 16745 | 16745 | 3211311.91832 Frais de locaux | 32044 | 4818.40206 | 89248.43530000001 | 89170 | 51615.41166 | 91475.30219 | 358371.55121 | 22474.563480000004 | 22474.563480000004 | 658 | 658 | 381504.11469 Amortissement | 57395 | 1822.19106 | 24080.07539 | 42024 | 93650.60009 | 193117.06337 | 412088.92991 | 3453.94708 | 3453.94708 | 8397 | 8397 | 423939.87699 Autres dépenses d'exploitation | 244040 | 20313.4246 | 193919.39715713199 | 384422 | 679956.93782 | 911380.4316700001 | 2434032.1912471317 | 29846.66644 | 29846.66644 | 64895 | 64895 | 2528773.8576871315 1108240 | 63017.31897 | 532355.943597132 | 814737 | 1416827.27834 | 2424621.44549 | 6359798.986397132 | 95035.78129 | 95035.78129 | 90695 | 90695 | 6545529.767687132 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 380251 | -16025.910489999995 | 52275.838989890064 | 143909 | 434997.44423 | 935544.1397299999 | 1930951.512459891 | 23453.032029999988 | 23453.032029999988 | -48531 | -48531 | 1905873.5444898894 0 Impôts sur le revenu | 0 | 0 | 15682.751696967101 | 8239 | 87123.8 | 177584.99439 | 288630.5460869671 | 6332.318649999999 | 6332.318649999999 | 0 | 0 | 294962.8647369671 0 BÉNÉFICE NET (PERTE NETTE) | 380251 | -16025.910489999995 | 36593.087292922966 | 135670 | 347873.64423000003 | 757959.1453399999 | 1642320.966372924 | 17120.713379999987 | 17120.713379999987 | -48531 | -48531 | 1610910.6797529224 [pageint.sect4] SECTION 4 STATISTIQUES PAR BANQUE [bncinfin ] BANQUE NATIONALE DE CRÉDIT (BNC) INDICATEURS FINANCIERS Var.déc. 25 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 136014829 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03074091355065096 | 131958310 | 0.11470098157514362 | 118380006.99841 | 0.001867986908937221 | 118159286.99713 | -0.017587811870776376 | 120274655.00213 Bons B.R.H. | 10000000 | 0 | 0 | 0 | 0 | 0 | 0 | -0.42196531791907516 | 17300000 | 0.1610738255033557 | 14900000 | 0 | 0 | -1 | 800000 Prêts nets | 13620598 | 0 | 0 | 0 | 0 | 0 | 0 | -0.020665777107852463 | 13908018 | -0.11984953167550359 | 15801864 | -0.2062783012541835 | 19908570 | -0.096443949744878 | 22033575 Dépôts | 106769844 | 0 | 0 | 0 | 0 | 0 | 0 | 0.029976021405473934 | 103662456 | 0.11293490019746343 | 93143324 | 0.01014022477865363 | 92208311 | 0.001240622942694337 | 92094057 Avoir des Actionnaires | 12594010 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03339197476667875 | 12187060 | 0.07180249873775583 | 11370621 | -0.007931144235269236 | 11461524 | 0.16448086299113526 | 9842604 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 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. 25) | (oct. - déc. 24) | (janv. - mars 26) | (janv. - mars 25) | (avril - juin 26) | (avril - juin 25) | (juil. - sept. 26) | (juil. - sept. 25) | (oct. 25 - déc. 25) | (oct. 24- déc. 24) Résultats Revenus nets d'intérêt | 1353376 | -0.004339813503522098 | 1359275 | 0 | 0 | 1190152 | 0 | 0 | 1291105 | 0 | 0 | 1321414 | 1353376 | -0.004339813503522098 | 1359275 Autres revenus | 329789 | 0.10217702261911128 | 299216 | 0 | 0 | 169852 | 0 | 0 | 315774 | 0 | 0 | 310333 | 329789 | 0.10217702261911128 | 299216 Dot. à la prov. pr créances douteuses | 17200 | -0.8988235294117647 | 170000 | 0 | 0 | 0 | 0 | 0 | 30000 | 0 | 0 | 0 | 17200 | -0.8988235294117647 | 170000 Dépenses d'exploitation | 1276216 | 0.1515700570273587 | 1108240 | 0 | 0 | 1120978 | 0 | 0 | 982329 | 0 | 0 | 1300192 | 1276216 | 0.1515700570273587 | 1108240 Bénéfice (perte) net | 389749 | 0.02497823805854554 | 380251 | 0 | 0 | 239026 | 0 | 0 | 594550 | 0 | 0 | 331555 | 389749 | 0.02497823805854554 | 380251 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 25) | (oct. - déc. 24) | (janv. - mars 26) | (janv. - mars 25) | (avril - juin 26) | (avril - juin 25) | (juil. - sept. 26) | (juil. - sept. 25) | (oct. 25 - déc. 25) | (oct. 24- déc. 24) | 2025 | 2024 | 2023 | 2022 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.09259291867359551 | 0.09404167963798293 | 0 | 0.09586540427512488 | 0 | 0.09637252954860351 | 0 | 0.0923553810290538 | 0.09259291867359551 | 0.09404167963798293 | 0.0923553810290538 | 0.09605186963836489 | 0.09700061917501576 | 0.08183439811010634 Dépôts en % de l'actif | 0.7849867899330301 | 0.7862614453536114 | 0 | 0.7783134923572955 | 0 | 0.7743620146891173 | 0 | 0.7855697454749155 | 0.7849867899330301 | 0.7862614453536114 | 0.7855697454749155 | 0.7868163413882129 | 0.7803729469207077 | 0.765697951894928 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.39811911288025675 | 0.44710630785210487 | 0 | 0.49885311370973406 | 0 | 0.5030773553472412 | 0 | 0.4853311719102582 | 0.39811911288025675 | 0.44710630785210487 | 0.4853311719102582 | 0.4523539539627359 | 0.31028335835250215 | 0.2061279151235176 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.6511570246579115 | 0.5493016910492151 | 0 | 0.5055737590994961 | 0 | 0.5093825890550449 | 0 | 0.5569684566829493 | 0.6511570246579115 | 0.5493016910492151 | 0.5569684566829493 | 0.5450641831583191 | 0.48539821250531273 | 0.6844699825768059 Prêts improductifs nets en % de l'avoir des actionnaires | 0.20276663270872422 | 0.35755474146939903 | 0 | 0.41775067644445346 | 0 | 0.39438751792887256 | 0 | 0.3362816790924144 | 0.20276663270872422 | 0.35755474146939903 | 0.3362816790924144 | 0.37958155495640916 | 0.3265283046128944 | 0.16951337268064426 Rentabilité ROA (rendement de l'actif) | 0.011635464702303614 | 0.012501374705984752 | 0 | 0.007648097905019327 | 0 | 0.018605020706671447 | 0 | 0.010103008914373027 | 0.011635464702303614 | 0.012501374705984752 | 0.012346348082301882 | 0.011964743583167042 | 0.013168167139600218 | 0.013424277485871085 ROE ( rendement avoir des action.) | 0.1258215242521812 | 0.13156624444623882 | 0 | 0.08054532350888366 | 0 | 0.19355142199500064 | 0 | 0.10707623394778921 | 0.1258215242521812 | 0.13156624444623882 | 0.1311998409351073 | 0.12395383788951936 | 0.1473769778326529 | 0.16200253044124027 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8880880308099961 | 0.8898253768227419 | 0 | 0.8775547221898609 | 0 | 0.8831015066907796 | 0 | 0.8798627817458705 | 0.8880880308099961 | 0.8898253768227419 | 0.8827397436436772 | 0.8985184161295512 | 0.8993440556615856 | 0.8894728611533587 Rendement moyen des prêts | 0.07654885312563597 | 0.08561352960488729 | 0 | 0.04914283387368104 | 0 | 0.0686823439366096 | 0 | 0.08065749912774924 | 0.07654885312563597 | 0.08561352960488729 | 0.07205507855811608 | 0.090355143987379 | 0.08914980071130708 | 0.07913494619422924 Rendement moyen des prêts productifs | 0.13730953274863644 | 0.15558679563868433 | 0 | 0.0931862262200796 | 0 | 0.13762750963635312 | 0 | 0.15954144666056158 | 0.13730953274863644 | 0.15558679563868433 | 0.13545582054140123 | 0.14511965277975675 | 0.11980193358112166 | 0.09738041457047548 Rémunération moyenne des dépôts | 0.0064836054160886895 | 0.007034860009420777 | 0 | 0.006792242945820331 | 0 | 0.006889294429601727 | 0 | 0.007048629973017876 | 0.0064836054160886895 | 0.007034860009420777 | 0.006968250627598437 | 0.007058486427702675 | 0.006733315548067185 | 0.006003690507811597 Dépenses d'exploitation en % du produit net bancaire | 0.7582239412060018 | 0.6682218956871036 | 0 | 0.8242461051585143 | 0 | 0.6113272996908915 | 0 | 0.7968097995583874 | 0.7582239412060018 | 0.6682218956871036 | 0.7210566968418862 | 0.6526968181592946 | 0.6617718116162404 | 0.6507434355959172 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 7223.884120171674 | 8615.537662337661 | 0 | 7060.371187540558 | 0 | 8095.10831234257 | 0 | 7576.306442251886 | 7223.884120171674 | 8615.537662337661 | 7484.594497607655 | 9027.229476405946 | 10669.382322923046 | 6754.8363997558 [bncvar] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 25 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 ACTIF Disponibilités Encaisse | 9675495 | 0 | 0 | 0 | 0 | 0 | 0 | -0.046624054173814156 | 10148667 | 0.12286274004758466 | 9038208 | 0.737295716755426 | 5202458 | -0.11195439377446413 | 5858323 Avoirs à la BRH | 47587817 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13388349657294857 | 41968877 | 0.18437949313240468 | 35435329 | -0.080507078965869 | 38537903 | 0.0014565306925318799 | 38481853 Avoirs à l'étranger | 2043055 | 0 | 0 | 0 | 0 | 0 | 0 | -0.1226364858307245 | 2328630 | 0.13777803402345398 | 2046647 | -0.28102455687735894 | 2846616 | -0.4261786141563718 | 4960805 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 334304 | 0 | 0 | 0 | 0 | 0 | 0 | -0.7818024222708986 | 1532116 | 3.217045814238333 | 363315 | -0.4727137358714015 | 689028 | 0.2645778427068574 | 544868 59640671 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06542502459435613 | 55978290 | 0.19398703582256094 | 46883499 | -0.008302435876297077 | 47276005 | -0.05155582764775458 | 49845849 Bons B.R.H. | 10000000 | 0 | 0 | 0 | 0 | 0 | 0 | 17300000 | 0 | 14900000 | 0 | 0 | 0 | 800000 Bons du Trésor / M.E.F. | 29646100 | 0 | 0 | 0 | 0 | 0 | 0 | 0.32537408183976285 | 22368100 | 0.28147235749069033 | 17455000 | -0.3606227106227106 | 27300000 | 0.05813953488372093 | 25800000 Autres Placements | 16446382 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0063428230411786335 | 16342723 | -0.04097291581332955 | 17040940 | -0.042690717623271486 | 17800872 | 0.18835284339545177 | 14979450 Portefeuille net | 13620598 | 0 | 0 | 0 | 0 | 0 | 0 | -0.020665777107852463 | 13908018 | -0.11984953167550359 | 15801864 | -0.2062783012541835 | 19908570 | -0.096443949744878 | 22033575 Immobilisations | 2535677 | 0 | 0 | 0 | 0 | 0 | 0 | -0.017038871063342006 | 2579631 | -0.10156391983532134 | 2871245.9984100005 | -0.02094039595496456 | 2932656.99713 | -0.012998776612205007 | 2971280.00213 Autres actifs | 4125401 | 0 | 0 | 0 | 0 | 0 | 0 | 0.18493296659991476 | 3481548 | 0.015781375001531747 | 3427458 | 0.16533313296044483 | 2941183 | -0.2349636532803607 | 3844501 136014829 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03074091355065096 | 131958310 | 0.11470098157514362 | 118380006.99841 | 0.001867986908937221 | 118159286.99713 | -0.017587811870776376 | 120274655.00213 PASSIF Dépôts À vue | 47548537 | 0 | 0 | 0 | 0 | 0 | 0 | 0.021118803967010772 | 46565137 | 0.08689499789589045 | 42842351 | -0.0012128163940567124 | 42894374 | -0.05901912889895229 | 45584746 Épargne | 45822592 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05955352912183011 | 43247076 | 0.13691232117723204 | 38039060 | 0.02638736044503788 | 37061115 | 0.08604302341647545 | 34124905 À terme | 13398715 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03260072765510324 | 13850243 | 0.12953362171139202 | 12261913 | 0.0007419515275746273 | 12252822 | -0.010624974665720746 | 12384406 106769844 | 0 | 0 | 0 | 0 | 0 | 0 | 0.029976021405473934 | 103662456 | 0.11293490019746343 | 93143324 | 0.01014022477865363 | 92208311 | 0.001240622942694337 | 92094057 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 | 5486231 | 0 | 0 | 0 | 0 | 0 | 0 | -0.020894439339326103 | 5603309 | 0.3437536646623786 | 4169893 | -0.12660307531576623 | 4774339 | 0.08141253162578625 | 4414910 5486231 | 0 | 0 | 0 | 0 | 0 | 0 | -0.020894439339326103 | 5603309 | 0.3437536646623786 | 4169893 | -0.12660307531576623 | 4774339 | 0.08141253162578625 | 4414910 Obligations à terme Banques locales | 1915606 | 0 | 0 | 0 | 0 | 0 | 0 | -0.00131482361969587 | 1918128 | -0.061305207646671064 | 2043399 | -0.13090084124110177 | 2351169 | -0.6153209703882246 | 6112028 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 7260124 | 0 | 0 | 0 | 0 | 0 | 0 | 0.003673714842642962 | 7233550 | 0.07058389968978664 | 6756640 | 0.037368600524868616 | 6513249 | 0.0033361616071989736 | 6491592 9175730 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0026281519083167044 | 9151678 | 0.0399588001825901 | 8800039 | -0.007262631342520175 | 8864418 | -0.29667682776853 | 12603620 Autres passifs | 1989014 | 0 | 0 | 0 | 0 | 0 | 0 | 0.46920055812977773 | 1353807 | 0.5107261223260018 | 896130 | 0.053409271242924904 | 850695 | -0.3552722923853929 | 1319464 123420819 | 0 | 0 | 0 | 0 | 0 | 0 | 0.030471160649989042 | 119771250 | 0.11925929562851617 | 107009386 | 0.002920614183823142 | 106697763 | -0.03381525531930943 | 110432051 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 Réserves | 1569551 | 0 | 0 | 0 | 0 | 0 | 0 | 0.011079968383439054 | 1552351 | -0.04363889513518176 | 1623185 | -0.45299272896873755 | 2967392 | 0.38115941556794364 | 2148479 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 8024459 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05104975186349604 | 7634709 | 0.13149780153527948 | 6747436 | 0.22811683446993994 | 5494132 | 0.1704272894309376 | 4694125 12594010 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03339197476667875 | 12187060 | 0.07180249873775583 | 11370621 | -0.007931144235269236 | 11461524 | 0.16448086299113526 | 9842604 136014829 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03074091355065096 | 131958310 | 0.11470098156017172 | 118380007 | 0.0018679868980590582 | 118159287 | -0.017587811829516367 | 120274655 Hors-bilan Effets à l'encaissement | 1627113 | 0 | 0 | 0 | -0.0005098458606965969 | 1627943 | 1636081 | 1670693 | 1464704 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4841387 | 0 | 0 | 0 | -0.1781858285477221 | 5891097 | 4903500 | 3933127 | 4662878 Portefeuille brut | 18387281 | 0 | 0 | 0 | 0 | 0 | 0 | -0.035309078847836566 | 19060282 | -0.09119949878439003 | 20973010 | -0.10519719634561565 | 23438695 | -0.0863140585932172 | 25652901 Provisions pour créances douteuses | 4766683 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0748371977833434 | 5152264 | -0.0036514149861558735 | 5171146 | 0.46486200913565384 | 3530125 | -0.024645748959889215 | 3619326 Portefeuille de crédit improductif | 7320328 | 0 | 0 | 0 | 0 | 0 | 0 | -0.20866015627829224 | 9250549 | -0.024946707277070723 | 9487224 | 0.30450949222407225 | 7272637 | 0.3753670491902177 | 5287779 [bnccomp ] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 25 | Comp. | Mars 26 | Comp. | Juin 26 | Comp. | Sept. 26 | Comp. | 2025 | Comp. | 2024 | Comp. | 2023 | Comp. | 2022 | Comp. ACTIF Disponibilités Encaisse | 9675495 | 0.07113558919373417 | 0 | 0 | 0 | 0 | 0 | 0 | 10148667 | 0.07690813106048418 | 9038208 | 0.07634910851222872 | 5202458 | 0.04402919256043212 | 5858323 | 0.048707876151432336 Avoirs à la BRH | 47587817 | 0.34987227017724665 | 0 | 0 | 0 | 0 | 0 | 0 | 41968877 | 0.31804648756110926 | 35435329 | 0.2993354190330124 | 38537903 | 0.32615212887105566 | 38481853 | 0.3199498098690743 Avoirs à l'étranger | 2043055 | 0.015020825413087862 | 0 | 0 | 0 | 0 | 0 | 0 | 2328630 | 0.017646709782809435 | 2046647 | 0.0172887893141237 | 2846616 | 0.02409134374743766 | 4960805 | 0.04124563899112533 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 334304 | 0.002457849651084736 | 0 | 0 | 0 | 0 | 0 | 0 | 1532116 | 0.011610606410464032 | 363315 | 0.0030690570917509727 | 689028 | 0.0058313486608694235 | 544868 | 0.004530197987184837 59640671 | 0.4384865344351534 | 0 | 0 | 0 | 0 | 0 | 0 | 55978290 | 0.4242119348148669 | 46883499 | 0.3960423739511158 | 47276005 | 0.4001040138397949 | 49845849 | 0.4144335229988168 Bons B.R.H. | 10000000 | 0.07352139522963339 | 0 | 0 | 0 | 0 | 0 | 0 | 17300000 | 0.13110201244620365 | 14900000 | 0.12586584827791172 | 0 | 0 | 800000 | 0.006651442899468989 Bons du Trésor / M.E.F. | 29646100 | 0.2179622635117234 | 0 | 0 | 0 | 0 | 0 | 0 | 22368100 | 0 | 17455000 | 0 | 27300000 | 0 | 25800000 | 0 Autres Placements | 16446382 | 0.12091609511195282 | 0 | 0 | 0 | 0 | 0 | 0 | 16342723 | 0.12384762278328663 | 17040940 | 0.14395116567469776 | 17800872 | 0.15065148455434035 | 14979450 | 0.12454369542556344 Portefeuille net | 13620598 | 0.1001405368821954 | 0 | 0 | 0 | 0 | 0 | 0 | 13908018 | 0.10539706063225575 | 15801864 | 0.13348422931088558 | 19908570 | 0.1684892529901908 | 22033575 | 0.18319383247958432 Immobilisations | 2535677 | 0.01864265108916911 | 0 | 0 | 0 | 0 | 0 | 0 | 2579631 | 0.019548833264081664 | 2871245.9984100005 | 0.024254484107680153 | 2932656.99713 | 0.024819521779961586 | 2971280.00213 | 0.02470412409062724 Autres actifs | 4125401 | 0.030330523740172477 | 0 | 0 | 0 | 0 | 0 | 0 | 3481548 | 0.026383696487170833 | 3427458 | 0.028953014000464076 | 2941183 | 0.02489167863776496 | 3844501 | 0.03196434859806429 136014829 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 131958310 | 1 | 118380006.99841 | 1 | 118159286.99713 | 1 | 120274655.00213 | 1 PASSIF Dépôts À vue | 47548537 | 0.34958347813678464 | 0 | 0 | 0 | 0 | 0 | 0 | 46565137 | 0.3528776399152126 | 42842351 | 0.3619052920023516 | 42894374 | 0.36302160490391133 | 45584746 | 0.37900541888224676 Épargne | 45822592 | 0.3368940896878237 | 0 | 0 | 0 | 0 | 0 | 0 | 43247076 | 0.32773287260196043 | 38039060 | 0.3213301043351933 | 37061115 | 0.3136538476311234 | 34124905 | 0.2837248213216298 À terme | 13398715 | 0.09850922210842172 | 0 | 0 | 0 | 0 | 0 | 0 | 13850243 | 0.10495923295774248 | 12261913 | 0.103580945050668 | 12252822 | 0.10369749438567288 | 12384406 | 0.10296771169105144 106769844 | 0.7849867899330301 | 0 | 0 | 0 | 0 | 0 | 0 | 103662456 | 0.7855697454749155 | 93143324 | 0.7868163413882129 | 92208311 | 0.7803729469207077 | 92094057 | 0.765697951894928 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 | 5486231 | 0.04033553576720668 | 0 | 0 | 0 | 0 | 0 | 0 | 5603309 | 0.042462721749013 | 4169893 | 0.03522463890423665 | 4774339 | 0.04040595641133113 | 4414910 | 0.0367069022141183 5486231 | 0.04033553576720668 | 0 | 0 | 0 | 0 | 0 | 0 | 5603309 | 0.042462721749013 | 4169893 | 0.03522463890423665 | 4774339 | 0.04040595641133113 | 4414910 | 0.0367069022141183 Obligations à terme Banques locales | 1915606 | 0.014083802583025709 | 0 | 0 | 0 | 0 | 0 | 0 | 1918128 | 0.01453586363753825 | 2043399 | 0.017261352248673593 | 2351169 | 0.01989830050393845 | 6112028 | 0.05081725655244456 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 7260124 | 0.053377444602014684 | 0 | 0 | 0 | 0 | 0 | 0 | 7233550 | 0.0548169342271813 | 6756640 | 0.05707585403412546 | 6513249 | 0.05512261596634551 | 6491592 | 0.05397306689331212 9175730 | 0.06746124718504039 | 0 | 0 | 0 | 0 | 0 | 0 | 9151678 | 0.06935279786471954 | 8800039 | 0.07433720628279905 | 8864418 | 0.07502091647028396 | 12603620 | 0.10479032344575669 Autres passifs | 1989014 | 0.0146235084411274 | 0 | 0 | 0 | 0 | 0 | 0 | 1353807 | 0.01025935388229813 | 896130 | 0.007569943799817787 | 850695 | 0.007199561046950653 | 1319464 | 0.010970424317381188 123420819 | 0.9074070813264045 | 0 | 0 | 0 | 0 | 0 | 0 | 119771250 | 0.9076446189709462 | 107009386 | 0.9039481303750664 | 106697763 | 0.9029993808492734 | 110432051 | 0.9181656018721842 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0.022056418568890013 | 0 | 0 | 0 | 0 | 0 | 0 | 3000000 | 0.022734453025353235 | 3000000 | 0.025342117102935244 | 3000000 | 0.02538945584592828 | 3000000 | 0.024942910873008713 Réserves | 1569551 | 0.01153955794040663 | 0 | 0 | 0 | 0 | 0 | 0 | 1552351 | 0.01176395029612004 | 1623185 | 0.013711648116575981 | 2967392 | 0.025113489387186938 | 2148479 | 0.017863106736510294 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 | 8024459 | 0.05899694216429886 | 0 | 0 | 0 | 0 | 0 | 0 | 7634709 | 0.057856977707580526 | 6747436 | 0.05699810441885366 | 5494132 | 0.04649767394190055 | 4694125 | 0.03902838050058734 12594010 | 0.09259291867359551 | 0 | 0 | 0 | 0 | 0 | 0 | 12187060 | 0.0923553810290538 | 11370621 | 0.09605186963836489 | 11461524 | 0.09700061917501576 | 9842604 | 0.08183439811010634 136014829 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 131958310 | 1 | 118380007 | 1.0000000000134313 | 118159287 | 1.0000000000242892 | 120274655 | 0.9999999999822905 [bncgdes&$ ] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 25 | Septembre 25 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 6026477 | 3649018 | 9675495 | 0.6228598123403506 | 5669310 | 4479357 | 10148667 | 0.55862607374939 Avoirs à la BRH | 13535311 | 34052506 | 47587817 | 0.28442807115947344 | 14461131 | 27507746 | 41968877 | 0.3445679759313074 Avoirs à l'étranger | 2043055 | 0 | 2043055 | 1 | 2328630 | 0 | 2328630 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 38935 | 295369 | 334304 | 0.11646585144060496 | 1037775 | 494341 | 1532116 | 0.6773475376538068 21643778 | 37996893 | 59640671 | 0.3629029928251478 | 23496846 | 32481444 | 55978290 | 0.4197492635091211 Bons B.R.H. | 0 | 10000000 | 10000000 | 0 | 0 | 17300000 | 17300000 | 0 Bons du Trésor / M.E.F. | 0 | 29646100 | 29646100 | 0 | 0 | 22368100 | 22368100 | 0 Autres Placements | 17208206 | -761824 | 16446382 | 1.0463216773148039 | 17104548 | -761825 | 16342723 | 1.0466155487062958 Portefeuille net | 4271376 | 9349222 | 13620598 | 0.3135968038995057 | 4291385 | 9616633 | 13908018 | 0.3085547487787261 Immobilisations | 0 | 2535677 | 2535677 | 0 | 0 | 2579631 | 2579631 | 0 Autres actifs | 1832580 | 2292821 | 4125401 | 0.44421863474605255 | 192536 | 3289012 | 3481548 | 0.05530183699894415 44955940 | 91058889 | 136014829 | 0.33052234326596847 | 45085315 | 86872995 | 131958310 | 0.3416633253335845 PASSIF Dépôts À vue | 16987965 | 30560572 | 47548537 | 0.3572762922232497 | 16820994 | 29744143 | 46565137 | 0.361235788912207 Épargne | 17017112 | 28805480 | 45822592 | 0.3713694764364268 | 16804238 | 26442838 | 43247076 | 0.3885635643898792 À terme | 7166690 | 6232025 | 13398715 | 0.5348789044322534 | 6806395 | 7043848 | 13850243 | 0.49142783993031747 41171767 | 65598077 | 106769844 | 0.38561231765029086 | 40431627 | 63230829 | 103662456 | 0.3900315365863992 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 | 1041290 | 4444941 | 5486231 | 0.1898006117496693 | 1870469 | 3732840 | 5603309 | 0.33381507248663245 1041290 | 4444941 | 5486231 | 0.1898006117496693 | 1870469 | 3732840 | 5603309 | 0.33381507248663245 Obligations à terme Banques locales | 0 | 1915606 | 1915606 | 0 | 0 | 1918128 | 1918128 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2732535 | 4527589 | 7260124 | 0.3763758029477183 | 2761587 | 4471963 | 7233550 | 0.38177478554789834 2732535 | 6443195 | 9175730 | 0.29780028401010056 | 2761587 | 6390091 | 9151678 | 0.30175744819693173 Autres passifs | 0 | 1989014 | 1989014 | 0 | 0 | 1353807 | 1353807 | 0 44945592 | 78475227 | 123420819 | 0.36416540065254305 | 45063683 | 74707567 | 119771250 | 0.37624791425321186 AVOIR DES ACTIONNAIRES Capital versé | 0 | 3000000 | 3000000 | 0 | 0 | 3000000 | 3000000 | 0 Réserves | 0 | 1569551 | 1569551 | 0 | 0 | 1552351 | 1552351 | 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 | 8024459 | 8024459 | 0 | 0 | 7634709 | 7634709 | 0 0 | 12594010 | 12594010 | 0 | 0 | 12187060 | 12187060 | 0 44945592 | 91069237 | 136014829 | 0.3304462633261848 | 45063683 | 86894627 | 131958310 | 0.3414993947709697 *Converties au taux de 130.6244 Gdes | *Converties au taux de 131.4767 Gdes [bncrésult ] BANQUE NATIONALE DE CRÉDIT (BNC) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2026 | 2025 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 | 358321 | 0 | 0 | 0 | 0 | 0 | 0 | 447582 | -0.43512473691971526 | 252828 | 0.3724112835603651 | 346984 | 0.1381129965646831 | 394907 Intérêts sur bons B.R.H. | 326581 | 0 | 0 | 0 | 0 | 0 | 0 | 296546 | 0 | 344366 | -0.15918818931021064 | 289547 | -0.0870670392026165 | 264337 Autres | 839019 | 0 | 0 | 0 | 0 | 0 | 0 | 783447 | -0.0311788800008169 | 759020 | 0.08756159257990567 | 825481 | 0.02073457777950068 | 842597 1523921 | 0 | 0 | 0 | 0 | 0 | 0 | 1527575 | -0.11217845277645942 | 1356214 | 0.07800981261069419 | 1462012 | 0.02724259445202912 | 1501841 Dépenses d'intérêt | 170545 | 0 | 0 | 0 | 0 | 0 | 0 | 168300 | -0.013297682709447416 | 166062 | 0.029175849983741012 | 170907 | 0.0557028091301117 | 180427 1353376 | 0 | 0 | 0 | 0 | 0 | 0 | 1359275 | -0.12442147468319509 | 1190152 | 0.08482361916797182 | 1291105 | 0.023475240201222984 | 1321414 AUTRES REVENUS Commissions | 264955 | 0 | 0 | 0 | 0 | 0 | 0 | 217710 | -0.5182720132286068 | 104877 | 1.1467719328356074 | 225147 | -0.2839344961291956 | 161220 Gains sur change | 55038 | 0 | 0 | 0 | 0 | 0 | 0 | 67594 | -0.15411131165488062 | 57177 | -0.08844465431904437 | 52120 | 0.0034151957022256333 | 52298 Autres | 9796 | 0 | 0 | 0 | 0 | 0 | 0 | 13912 | -0.4394767107533065 | 7798 | 3.9380610412926393 | 38507 | 1.5142181940945802 | 96815 329789 | 0 | 0 | 0 | 0 | 0 | 0 | 299216 | -0.4323431902037324 | 169852 | 0.8591126392388668 | 315774 | -0.017230677636537524 | 310333 PRODUIT NET BANCAIRE | 1683165 | 0 | 0 | 0 | 0 | 0 | 0 | 1658491 | -0.17997504960834879 | 1360004 | 0.18152520139646647 | 1606879 | 0.015475963031441695 | 1631747 Dotation à la provision pour créances douteuses | 17200 | 0 | 0 | 0 | 0 | 0 | 0 | 170000 | -1 | 0 | 0 | 30000 | -1 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1665965 | 0 | 0 | 0 | 0 | 0 | 0 | 1488491 | -0.08632030694172824 | 1360004 | 0.15946644274575664 | 1576879 | 0.03479531403487522 | 1631747 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 846246 | 0 | 0 | 0 | 0 | 0 | 0 | 774761 | 0.012167623305767844 | 784188 | -0.23465546527108294 | 600174 | 0.5826377017331641 | 949858 Frais de locaux | 36708 | 0 | 0 | 0 | 0 | 0 | 0 | 32044 | 0.10148545749594308 | 35296 | -0.0011616047144152313 | 35255 | -0.03633527159268189 | 33974 Amortissement | 55710 | 0 | 0 | 0 | 0 | 0 | 0 | 57395 | -0.033870546214827074 | 55451 | -0.010261311788786497 | 54882 | 0.015524215589810868 | 55734 Autres dépenses d'exploitation | 337552 | 0 | 0 | 0 | 0 | 0 | 0 | 244040 | 0.008207670873627275 | 246043 | 0.18685758180480647 | 292018 | -0.10750022258901848 | 260626 1276216 | 0 | 0 | 0 | 0 | 0 | 0 | 1108240 | 0.01149390023821555 | 1120978 | -0.12368574583979347 | 982329 | 0.3235809998483197 | 1300192 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 389749 | 0 | 0 | 0 | 0 | 0 | 0 | 380251 | -0.3713994177530105 | 239026 | 1.4873863094391404 | 594550 | -0.4423429484484064 | 331555 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 389749 | 0 | 0 | 0 | 0 | 0 | 0 | 380251 | -0.3713994177530105 | 239026 | 1.4873863094391404 | 594550 | -0.4423429484484064 | 331555 0 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 (oct.25- déc. 25) | 2025 (oct.24-déc. 24) | 2025 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 | 358321 | -0.19942937830386387 | 447582 | 0 | 0 | 252828 | 0 | 0 | 346984 | 0 | 0 | 394907 | 358321 | -0.19942937830386387 | 447582 | 1442301 Intérêts sur bons B.R.H. | 326581 | 0.10128276894647036 | 296546 | 0 | 0 | 344366 | 0 | 0 | 289547 | 0 | 0 | 264337 | 326581 | 0.10128276894647036 | 296546 | 1194796 Autres | 839019 | 0.07093268593791284 | 783447 | 0 | 0 | 759020 | 0 | 0 | 825481 | 0 | 0 | 842597 | 839019 | 0.07093268593791284 | 783447 | 3210545 1523921 | -0.0023920265780730896 | 1527575 | 0 | 0 | 1356214 | 0 | 0 | 1462012 | 0 | 0 | 1501841 | 1523921 | -0.0023920265780730896 | 1527575 | 5847642 Dépenses d'intérêt | 170545 | 0.013339275103980986 | 168300 | 0 | 0 | 166062 | 0 | 0 | 170907 | 0 | 0 | 180427 | 170545 | 0.013339275103980986 | 168300 | 685696 1353376 | -0.004339813503522098 | 1359275 | 0 | 0 | 1190152 | 0 | 0 | 1291105 | 0 | 0 | 1321414 | 1353376 | -0.004339813503522098 | 1359275 | 5161946 AUTRES REVENUS Commissions | 264955 | 0.2170088650039043 | 217710 | 0 | 0 | 104877 | 0 | 0 | 225147 | 0 | 0 | 161220 | 264955 | 0.2170088650039043 | 217710 | 708954 Gains sur change | 55038 | -0.18575613220108295 | 67594 | 0 | 0 | 57177 | 0 | 0 | 52120 | 0 | 0 | 52298 | 55038 | -0.18575613220108295 | 67594 | 229189 Autres | 9796 | -0.29585968947671076 | 13912 | 0 | 0 | 7798 | 0 | 0 | 38507 | 0 | 0 | 96815 | 9796 | -0.29585968947671076 | 13912 | 157032 329789 | 0.10217702261911128 | 299216 | 0 | 0 | 169852 | 0 | 0 | 315774 | 0 | 0 | 310333 | 329789 | 0.10217702261911128 | 299216 | 1095175 PRODUIT NET BANCAIRE | 1683165 | 0.014877379497386479 | 1658491 | 0 | 0 | 1360004 | 0 | 0 | 1606879 | 0 | 0 | 1631747 | 1683165 | 0.014877379497386479 | 1658491 | 6257121 Dotation à la provision pour créances douteuses | 17200 | -0.8988235294117647 | 170000 | 0 | 0 | 0 | 0 | 0 | 30000 | 0 | 0 | 0 | 17200 | -0.8988235294117647 | 170000 | 200000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1665965 | 0.11923081832540472 | 1488491 | 0 | 0 | 1360004 | 0 | 0 | 1576879 | 0 | 0 | 1631747 | 1665965 | 0.11923081832540472 | 1488491 | 6057121 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 846246 | 0.09226716368015427 | 774761 | 0 | 0 | 784188 | 0 | 0 | 600174 | 0 | 0 | 949858 | 846246 | 0.09226716368015427 | 774761 | 3108981 Frais de locaux | 36708 | 0.14554986893022095 | 32044 | 0 | 0 | 35296 | 0 | 0 | 35255 | 0 | 0 | 33974 | 36708 | 0.14554986893022095 | 32044 | 136569 Amortissement | 55710 | -0.02935795801027964 | 57395 | 0 | 0 | 55451 | 0 | 0 | 54882 | 0 | 0 | 55734 | 55710 | -0.02935795801027964 | 57395 | 223462 Autres dépenses d'exploitation | 337552 | 0.3831830847402065 | 244040 | 0 | 0 | 246043 | 0 | 0 | 292018 | 0 | 0 | 260626 | 337552 | 0.3831830847402065 | 244040 | 1042727 1276216 | 0.1515700570273587 | 1108240 | 0 | 0 | 1120978 | 0 | 0 | 982329 | 0 | 0 | 1300192 | 1276216 | 0.1515700570273587 | 1108240 | 4511739 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 389749 | 0.02497823805854554 | 380251 | 0 | 0 | 239026 | 0 | 0 | 594550 | 0 | 0 | 331555 | 389749 | 0.02497823805854554 | 380251 | 1545382 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 389749 | 0.02497823805854554 | 380251 | 0 | 0 | 239026 | 0 | 0 | 594550 | 0 | 0 | 331555 | 389749 | 0.02497823805854554 | 380251 | 1545382 [BNCVARAN ] BANQUE NATIONALE DE CRÉDIT (BNC) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2026 | Var. | 2025 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 358321 | -0.19942937830386387 | 447582 | 1442301 | -0.2811544781657615 | 2006413 | -0.08309825235016244 | 2188253 | 0.04319858245680902 | 2097638.0114 Intérêts sur Bons B.R.H. | 326581 | 0.10128276894647036 | 296546 | 1194796 | 2.328141103850161 | 358998 | 69.96224550306384 | 5059 | -0.9587777551436137 | 122725 Autres | 839019 | 0.07093268593791284 | 783447 | 3210545 | -0.21321664776419916 | 4080596 | 0.027577615476684823 | 3971083 | 0.6536298728176582 | 2401434 1523921 | -0.0023920265780730896 | 1527575 | 5847642 | -0.09282723397601027 | 6446007 | 0.045683639675913046 | 6164395 | 0.3337658457944105 | 4621797.0114 Dépenses d'intérêt | 170545 | 0.013339275103980986 | 168300 | 685696 | 0.04822281094120471 | 654151 | 0.05426095477233059 | 620483 | 0.21464702819311166 | 510834 1353376 | -0.004339813503522098 | 1359275 | 5161946 | -0.10875788348329102 | 5791856 | 0.044723653622207565 | 5543912 | 0.34856771628115546 | 4110963.0114 AUTRES REVENUS Commissions | 264955 | 0.2170088650039043 | 217710 | 708954 | -0.1891839962670308 | 874371 | -0.08004524172760272 | 950450 | 0.22976219896412475 | 772873 Gains sur change | 55038 | -0.18575613220108295 | 67594 | 229189 | -0.031015748863756475 | 236525 | 2.7641113995047584 | -134076 | -1.4662150884611105 | 287584 Autres | 9796 | -0.29585968947671076 | 13912 | 157032 | 0.9675729858413733 | 79810 | -0.5396736591358715 | 173377 | -0.5194530905704411 | 360791 329789 | 0.10217702261911128 | 299216 | 1095175 | -0.08023055229418513 | 1190706 | 0.20303591509379632 | 989751 | -0.3036042970684919 | 1421248 PRODUIT NET BANCAIRE | 1683165 | 0.014877379497386479 | 1658491 | 6257121 | -0.10389324147784151 | 6982562 | 0.06870556378558246 | 6533663 | 0.18102201570698384 | 5532211.0114 Dotation à la provision pour créances douteuses | 17200 | -0.8988235294117647 | 170000 | 200000 | -0.801980198019802 | 1010000 | 0.578125 | 640000 | 0.4883720930232558 | 430000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1665965 | 0.11923081832540472 | 1488491 | 6057121 | 0.014157910792721783 | 5972562 | 0.01338709050721088 | 5893663 | 0.15511941525578588 | 5102211.0114 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 846246 | 0.09226716368015427 | 774761 | 3108981 | 0.12170724236204342 | 2771651 | -0.009528591312986565 | 2798315 | 0.19603080437053463 | 2339668 Frais de locaux | 36708 | 0.14554986893022095 | 32044 | 136569 | -0.34352873314586485 | 208035 | 0.5715224584145402 | 132378 | 0.19713507989762974 | 110579 Amortissement | 55710 | -0.02935795801027964 | 57395 | 223462 | -0.009274940812399692 | 225554 | 0.28345282804142485 | 175740 | 0.14145048778269964 | 153962 Autres dépenses d'exploitation | 337552 | 0.3831830847402065 | 244040 | 1042727 | -0.22889822637133797 | 1352256 | 0.11080936550456273 | 1217361 | 0.22244514937625584 | 995841 1276216 | 0.1515700570273587 | 1108240 | 4511739 | -0.010039942986236302 | 4557496 | 0.05405021608337492 | 4323794 | 0.2010372078165581 | 3600050 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 389749 | 0.02497823805854554 | 380251 | 1545382 | 0.09209181762546764 | 1415066 | -0.09860886481610887 | 1569869 | 0.045073722514536965 | 1502161.0114000002 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 389749 | 0.02497823805854554 | 380251 | 1545382 | 0.09209181762546764 | 1415066 | -0.09860886481610887 | 1569869 | 0.045073722514536965 | 1502161.0114000002 [bphinfin ] BANQUE POPULAIRE HAÏTIENNE (BPH) INDICATEURS FINANCIERS Var.déc. 25 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 7517289.69267 | 0 | 0 | 0 | 0 | 0 | 0 | 0.024565163133962127 | 7337053.76989 | 0.3452499081121718 | 5454045.17454032 | -0.051482450145325584 | 5750073.0222397605 | 0.016828578224885152 | 5654908.94470912 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1000000 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 177079.21088999975 | 0 | 0 | 0 | 0 | 0 | 0 | -0.018406929692371083 | 180399.81764999987 | 0.02879966101983289 | 175349.8027703201 | -0.4165284151858363 | 300528.43588976003 | -0.031118619063072128 | 310180.8351391199 Dépôts | 4580163.814689999 | 0 | 0 | 0 | 0 | 0 | 0 | 0.027265749320531944 | 4458596.83117 | -0.02846402048276871 | 4589224.614600001 | -0.06199923008427165 | 4892559.53917 | 0.043037608469738725 | 4690683.72937 Avoir des Actionnaires | 1441734.5793 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0009415949026254876 | 1440378.3264100002 | -3.552864307730394 | -564220.4805200001 | -0.46749737901652766 | -384478.01583000005 | -0.09541174016268797 | -350989.49713 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 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. 25) | (oct. - déc. 24) | (janv. - mars 26) | (janv. - mars 25) | (avril - juin 26) | (avril - juin 25) | (juil. - sept. 26) | (juil. - sept. 25) | (oct. 25 - déc. 25) | (oct. 24- déc. 24) Résultats Revenus nets d'intérêt | 81760.77957 | 0.8414150670593155 | 44401.059290000005 | 0 | 0 | 84474.60245 | 0 | 0 | 72615.75932000001 | 0 | 0 | 83494.30692 | 81760.77957 | 0.8414150670593155 | 44401.059290000005 Autres revenus | 6815.27887 | 1.6310270817194343 | 2590.34919 | 0 | 0 | 9034.96572 | 0 | 0 | 10725.26982 | 0 | 0 | 11017.04724 | 6815.27887 | 1.6310270817194343 | 2590.34919 Dot. à la prov. pr créances douteuses | 1352.37 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1352.37 | 0 | 0 Dépenses d'exploitation | 81341.67538999999 | 0.290782862862247 | 63017.31897 | 0 | 0 | 71187.92727 | 0 | 0 | 75430.60119 | 0 | 0 | 83552.01217999999 | 81341.67538999999 | 0.290782862862247 | 63017.31897 Bénéfice (perte) net | 5882.013050000009 | 1.3670314428419106 | -16025.910489999995 | 0 | 0 | 22321.640900000013 | 0 | 0 | 7910.427950000012 | 0 | 0 | 10959.341980000012 | 5882.013050000009 | 1.3670314428419106 | -16025.910489999995 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 25) | (oct. - déc. 24) | (janv. - mars 26) | (janv. - mars 25) | (avril - juin 26) | (avril - juin 25) | (juil. - sept. 26) | (juil. - sept. 25) | (oct. 25 - déc. 25) | (oct. 24- déc. 24) | 2025 | 2024 | 2023 | 2022 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.1917891471850306 | 0.18512635946430017 | 0 | 0.19254552562714017 | 0 | 0.19433060887872722 | 0 | 0.19631562907730946 | 0.1917891471850306 | 0.18512635946430017 | 0.19631562907730946 | -0.10344990964757711 | -0.06686489273143852 | -0.062068107649796 Dépôts en % de l'actif | 0.6092839310364813 | 0.6324273845125151 | 0 | 0.6090773210857073 | 0 | 0.6046213800923842 | 0 | 0.6076821802052631 | 0.6092839310364813 | 0.6324273845125151 | 0.6076821802052631 | 0.8414350207480251 | 0.850869114226354 | 0.8294888167489815 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.9293905108456689 | 0.9322462463523669 | 0 | 0.9366233034999992 | 0 | 0.9384780706624658 | 0 | 0.9250315736720122 | 0.9293905108456689 | 0.9322462463523669 | 0.9250315736720122 | 0.9382284066400062 | 0.9078580468580435 | 0.8837942060835163 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.9304866174447753 | 0.9316074566646522 | 0 | 0.9312617297851608 | 0 | 0.9278262060918698 | 0 | 0.9323675044596575 | 0.9304866174447753 | 0.9316074566646522 | 0.9323675044596575 | 0.9232978904696956 | 0.864907141465704 | 0.8711693742290048 Prêts improductifs nets en % de l'avoir des actionnaires | 0.058684773999377375 | 0.0595 | 0 | 0.05887034534727243 | 0 | 0.06172538810389067 | 0 | 0.05697339300691059 | 0.058684773999377375 | 0.0595 | 0.05697339300691059 | NA | N/A | N/A Rentabilité ROA (rendement de l'actif) | 0.003167834682064798 | -0.009851268315057438 | 0 | 0.011948597774023717 | 0 | 0.004292555343936115 | 0 | 0.005966382972443465 | 0.003167834682064798 | -0.009851268315057438 | 0.003934845700018265 | -0.00687979387098508 | -0.013153830039779876 | -0.008179240704489846 ROE (rendement avoir des action.) | 0.016326946909946932 | -0.1534717185681187 | 0 | 0.0632896087288983 | 0 | 0.022191039506586806 | 0 | 0.03054643849484893 | 0.016326946909946932 | -0.1534717185681187 | 0.05744512922654211 | -0.08125028551912283 | -0.2039780027757108 | -0.12442656964191413 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8841096792372047 | 0.7077346710389653 | 0 | 0.8892256465741318 | 0 | 0.8725235529682916 | 0 | 0.8870304204862767 | 0.8841096792372047 | 0.7077346710389653 | 0.8504810434401344 | 0.5435420977459703 | 0.8248298888818657 | 0.8040760696012017 Rendement moyen des prêts | 0.008737501413220288 | 0.012147547117744042 | 0 | 0.009906442898541529 | 0 | 0.00820212071200514 | 0 | 0.009571375782773844 | 0.008737501413220288 | 0.012147547117744042 | 0.009910425552433912 | 0.033756721476318904 | 0.02563961706888353 | 0.0184541692292859 Rendement moyen des prêts productifs | 0.12003596530949 | 0.18758929080732253 | 0 | 0.1510828752261323 | 0 | 0.13134255058904115 | 0 | 0.14020387181840321 | 0.12003596530949 | 0.18758929080732253 | 0.1449499387013058 | 0.43585208442128304 | 0.24665174140256527 | 0.1382750432870205 Rémunération moyenne des dépôts | 0.009485651053197276 | 0.015654020735884212 | 0 | 0.00907256330499974 | 0 | 0.00948671322924105 | 0 | 0.00955051229324159 | 0.009485651053197276 | 0.015654020735884212 | 0.011074922735886538 | 0.023476402361626635 | 0.008833825763133048 | 0.009276072555108485 Dépenses d'exploitation en % du produit net bancaire | 0.918325751027853 | 1.3410391603141834 | 0 | 0.7612903006950117 | 0 | 0.9050836300963873 | 0 | 0.8840420595239092 | 0.918325751027853 | 1.3410391603141834 | 0.9209510452663281 | 1.1789099687829194 | 1.1955920043491077 | 1.0354164764976057 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 2315.7139461437905 | 1347.4238990681006 | 0 | 2615.652256503497 | 0 | 2267.7831058503407 | 0 | 2571.7375281632653 | 2315.7139461437905 | 1347.4238990681006 | 2218.490313240418 | 1625.820870188679 | 2144.556142795699 | 1638.5794736398464 [bphvar] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 25 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 ACTIF Disponibilités Encaisse | 92507.94875 | 0 | 0 | 0 | 0 | 0 | 0 | 0.22541452901243123 | 75491.14732999999 | -0.7351318450417419 | 285014.05668 | -0.39785123242982184 | 473328.30694 | -0.33419587564406544 | 710912.24825 Avoirs à la BRH | 1798776.4437 | 0 | 0 | 0 | 0 | 0 | 0 | -0.14081151318425975 | 2093576.05613 | 0.13595757233176758 | 1843005.50225 | 0.20549988963860022 | 1528830.91744 | 0.016687712457103206 | 1503736.9869900001 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 17271.69085 | 0 | 0 | 0 | 0 | 0 | 0 | -0.5622802040936606 | 39458.327020000004 | 0.7306561809099101 | 22799.633719999998 | 2.4895692436523054 | 6533.65276 | -0.8830463642081198 | 55865.324029999996 1908556.0832999998 | 0 | 0 | 0 | 0 | 0 | 0 | -0.135823400291327 | 2208525.53048 | 0.026829934392998064 | 2150819.1926499996 | 0.07075562278707372 | 2008692.87714 | -0.11531380896063452 | 2270514.55927 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1000000 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 3799000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.6344368399224213 | 2324348 | 0.5144305446963774 | 1534800 | -0.1900791556728232 | 1895000 | 0.10495626822157435 | 1715000 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 177079.21088999975 | 0 | 0 | 0 | 0 | 0 | 0 | -0.018406929692371083 | 180399.81764999987 | 0.02879966101983289 | 175349.8027703201 | -0.4165284151858363 | 300528.43588976003 | -0.031118619063072128 | 310180.8351391199 Immobilisations | 394783.01217999996 | 0 | 0 | 0 | 0 | 0 | 0 | 0.012858171372597765 | 389771.26644 | 0.10915024021437258 | 351414.31007999997 | 0.19615070713625063 | 293787.65399999986 | 0.1920960696066227 | 246446.29027 Autres actifs | 1237871.3863000001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.00312982360248247 | 1234009.1553200001 | -0.006163283185877839 | 1241661.86904 | -0.008308030349338181 | 1252064.0552100001 | 0.12518052982278138 | 1112767.26003 7517289.69267 | 0 | 0 | 0 | 0 | 0 | 0 | 0.024565163133962127 | 7337053.76989 | 0.3452499081121718 | 5454045.17454032 | -0.051482450145325584 | 5750073.0222397605 | 0.016828578224885152 | 5654908.94470912 PASSIF Dépôts | 0 | 0 | 0 à vue | 1714858.3806499997 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04506493480987135 | 1640910.8405900002 | -0.13574328830607643 | 1898638.2383700002 | -0.14349878217693338 | 2216737.34825 | 0.054434094820035486 | 2102300.52228 Épargne | 681403.17602 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03536944269051404 | 658125.63895 | 0.1679885010457931 | 563469.27933 | -0.03752630740521581 | 585438.6293 | 0.00017922779124967338 | 585333.72123 À terme | 2183902.25802 | 0 | 0 | 0 | 0 | 0 | 0 | 0.011271695357634623 | 2159560.3516300004 | 0.015252218496707132 | 2127117.0969000002 | 0.01757262923151411 | 2090383.56162 | 0.04360055823708403 | 2003049.48586 4580163.814689999 | 0 | 0 | 0 | 0 | 0 | 0 | 0.027265749320531944 | 4458596.83117 | -0.02846402048276871 | 4589224.614600001 | -0.06199923008427165 | 4892559.53917 | 0.043037608469738725 | 4690683.72937 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 | 371189.92711 | 0 | 0 | 0 | 0 | 0 | 0 | 0.035758462563578015 | 358374.98850000004 | -0.011765793113821667 | 362641.75638000004 | 0.23876204511382815 | 292745.29181 | -0.1320641165982629 | 337289.07562 371189.92711 | 0 | 0 | 0 | 0 | 0 | 0 | 0.035758462563578015 | 358374.98850000004 | -0.011765793113821667 | 362641.75638000004 | 0.23876204511382815 | 292745.29181 | -0.1320641165982629 | 337289.07562 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1047383.3027400001 | 0 | 0 | 0 | 0 | 0 | 0 | -0.004965699361238507 | 1052610.24878 | 0.013193387126593787 | 1038903.5915099999 | 0.14080895963919626 | 910672.71407 | -0.045122881159008976 | 953706.70854 1047383.3027400001 | 0 | 0 | 0 | 0 | 0 | 0 | -0.004965699361238507 | 1052610.24878 | 0.013193387126593787 | 1038903.5915099999 | 0.14080895963919626 | 910672.71407 | -0.045122881159008976 | 953706.70854 Autres passifs | 76818.06883 | 0 | 0 | 0 | 0 | 0 | 0 | 1.8353082163053052 | 27093.375030000003 | -0.014632009845373379 | 27495.69227 | -0.2871868706382453 | 38573.493019999994 | 0.5927002436384845 | 24218.928310000003 6075555.113369999 | 0 | 0 | 0 | 0 | 0 | 0 | 0.030335681792998833 | 5896675.44348 | -0.02020353009572326 | 6018265.654760001 | -0.01895580990171096 | 6134551.03807 | 0.021421040911005582 | 6005898.44184 AVOIR DES ACTIONNAIRES Capital versé | 165000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 Réserves | 58117.833620000005 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 58117.833620000005 | 0 | 58117.833620000005 | -0.7561060633521342 | 238291.42462 | 0 | 238291.42462 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 2014325 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2014325 | 36.43957065895661 | 53802.03257 | -0.7753587642130965 | 239502.03257 | 1.2957300030673378 | 104325 BNR | -795708.2543200001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0017015597580015685 | -797064.50721 | -0.052400101448463916 | -841140.3467100001 | -0.1811898132076098 | -1027271.47302 | 0.19644116933904673 | -858605.92175 1441734.5793 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0009415949026254876 | 1440378.3264100002 | -3.552864307730394 | -564220.4805200001 | 0.46749737901652766 | -384478.01583000005 | 0.09541174016268797 | -350989.49713 7517289.69267 | 0 | 0 | 0 | 0 | 0 | 0 | 0.024565163133962127 | 7337053.76989 | 0.345249908186246 | 5454045.1742400015 | -0.05148245019759379 | 5750073.02224 | 0.016828578224769224 | 5654908.94471 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 236218.17043 | 0 | 229085.82378816 | 212052.65643 | 212052.65643 | 296906.431453107 | 248905.123197079 | 224784.359406334 Portefeuille brut | 1309616.37089 | 0 | 0 | 0 | 1303003.25965 | 0 | 1311706.5676499999 | -0.0015934941636715856 | 1311706.5676499999 | 0.00041164534255739795 | 1311166.83193032 | -0.06291160133473502 | 1399192.2574197599 | 0.03780087659373862 | 1348228.0550891198 Provisions pour créances douteuses | 1132537.1600000001 | 0 | 0 | 0 | 1134582.98411 | 0 | 1131306.75 | 0.0010876006883191929 | 1131306.75 | -0.003970955747454783 | 1135817.02916 | 0.033816720731060845 | 1098663.8215299998 | 0.058394840249097385 | 1038047.2199499999 Portefeuille de crédit improductif | 1217145.027953308 | 0 | 0 | 0 | 1222839.985183236 | 0 | 1213369.990469193 | 0.0031112006344043795 | 1213369.990469193 | -0.013659837986434782 | 1230173.9675612089 | -0.0315634055309284 | 1270267.95 | 0.06605799219611959 | 1191556.143567012 [bphcomp ] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 25 | Comp. | Mars 26 | Comp. | Juin 26 | Comp. | Sept. 26 | Comp. | 2025 | Comp. | 2024 | Comp. | 2023 | Comp. | 2022 | Comp. ACTIF Disponibilités Encaisse | 92507.94875 | 0.01230602418318442 | 0 | 0 | 0 | 0 | 0 | 0 | 75491.14732999999 | 0.010289027407677263 | 285014.05668 | 0.0522573699995108 | 473328.30694 | 0.08231692103896618 | 710912.24825 | 0.12571594966443234 Avoirs à la BRH | 1798776.4437 | 0.2392852367328561 | 0 | 0 | 0 | 0 | 0 | 0 | 2093576.05613 | 0.2853428803700027 | 1843005.50225 | 0.33791533499818005 | 1528830.91744 | 0.26588026126396774 | 1503736.9869900001 | 0.2659170999379107 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 | 17271.69085 | 0.002297595484026826 | 0 | 0 | 0 | 0 | 0 | 0 | 39458.327020000004 | 0.005377952548464365 | 22799.633719999998 | 0.0041803162589172365 | 6533.65276 | 0.0011362730064000163 | 55865.324029999996 | 0.009879084628280186 1908556.0832999998 | 0.2538888564000673 | 0 | 0 | 0 | 0 | 0 | 0 | 2208525.53048 | 0.3010098603261444 | 2150819.1926499996 | 0.3943530212566081 | 2008692.87714 | 0.3493334553093339 | 2270514.55927 | 0.4015121342306232 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1000000 | 0.13629448977242434 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 3799000 | 0.5053683116275737 | 0 | 0 | 0 | 0 | 0 | 0 | 2324348 | 0.31679582471355494 | 1534800 | 0 | 1895000 | 0 | 1715000 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 177079.21088999975 | 0.023556257391898455 | 0 | 0 | 0 | 0 | 0 | 0 | 180399.81764999987 | 0.02458750110164512 | 175349.8027703201 | 0.032150412612799634 | 300528.43588976003 | 0.052265151195018844 | 310180.8351391199 | 0.05485160560000407 Immobilisations | 394783.01217999996 | 0.05251666868245708 | 0 | 0 | 0 | 0 | 0 | 0 | 389771.26644 | 0.053123675887391454 | 351414.31007999997 | 0.06443186640998404 | 293787.65399999986 | 0.05109285618873134 | 246446.29027 | 0.043580947576632785 Autres actifs | 1237871.3863000001 | 0.16466990589800345 | 0 | 0 | 0 | 0 | 0 | 0 | 1234009.1553200001 | 0.16818864819883975 | 1241661.86904 | 0.22765888974226367 | 1252064.0552100001 | 0.21774750518251643 | 1112767.26003 | 0.19677898811635755 7517289.69267 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 7337053.76989 | 1 | 5454045.17454032 | 1 | 5750073.0222397605 | 1 | 5654908.94470912 | 1 PASSIF Dépôts À vue | 1714858.3806499997 | 0.22812189642260738 | 0 | 0 | 0 | 0 | 0 | 0 | 1640910.8405900002 | 0.22364710578025399 | 1898638.2383700002 | 0.3481156055019331 | 2216737.34825 | 0.38551464297518423 | 2102300.52228 | 0.37176558328971276 Épargne | 681403.17602 | 0.09064479405182779 | 0 | 0 | 0 | 0 | 0 | 0 | 658125.63895 | 0.08969889816684101 | 563469.27933 | 0.1033121767968287 | 585438.6293 | 0.1018141208008452 | 585333.72123 | 0.1035089560155789 À terme | 2183902.25802 | 0.29051724056204614 | 0 | 0 | 0 | 0 | 0 | 0 | 2159560.3516300004 | 0.29433617625816816 | 2127117.0969000002 | 0.3900072384492632 | 2090383.56162 | 0.3635403504503247 | 2003049.48586 | 0.3542142774436899 4580163.814689999 | 0.6092839310364813 | 0 | 0 | 0 | 0 | 0 | 0 | 4458596.83117 | 0.6076821802052631 | 4589224.614600001 | 0.8414350207480251 | 4892559.53917 | 0.850869114226354 | 4690683.72937 | 0.8294888167489815 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 | 371189.92711 | 0.04937815918840296 | 0 | 0 | 0 | 0 | 0 | 0 | 358374.98850000004 | 0.048844536204805944 | 362641.75638000004 | 0.06649042037143822 | 292745.29181 | 0.05091157811000638 | 337289.07562 | 0.059645359265347045 371189.92711 | 0.04937815918840296 | 0 | 0 | 0 | 0 | 0 | 0 | 358374.98850000004 | 0.048844536204805944 | 362641.75638000004 | 0.06649042037143822 | 292745.29181 | 0.05091157811000638 | 337289.07562 | 0.059645359265347045 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 | 1047383.3027400001 | 0.13932991085354718 | 0 | 0 | 0 | 0 | 0 | 0 | 1052610.24878 | 0.14346497678669473 | 1038903.5915099999 | 0.19048312917532098 | 910672.71407 | 0.1583758520192281 | 953706.70854 | 0.168651116731475 1047383.3027400001 | 0.13932991085354718 | 0 | 0 | 0 | 0 | 0 | 0 | 1052610.24878 | 0.14346497678669473 | 1038903.5915099999 | 0.19048312917532098 | 910672.71407 | 0.1583758520192281 | 953706.70854 | 0.168651116731475 Autres passifs | 76818.06883 | 0.010218851736537997 | 0 | 0 | 0 | 0 | 0 | 0 | 27093.375030000003 | 0.0036926777259267923 | 27495.69227 | 0.005041339297729121 | 38573.493019999994 | 0.006708348375891564 | 24218.928310000003 | 0.00428281490414799 6075555.113369999 | 0.8082108528149694 | 0 | 0 | 0 | 0 | 0 | 0 | 5896675.44348 | 0.8036843709226905 | 6018265.654760001 | 1.1034499095925134 | 6134551.03807 | 1.06686489273148 | 6005898.44184 | 1.0620681076499516 AVOIR DES ACTIONNAIRES Capital versé | 165000 | 0.021949400215464505 | 0 | 0 | 0 | 0 | 0 | 0 | 165000 | 0.022488590812450016 | 165000 | 0.030252774724020614 | 165000 | 0.028695287757533456 | 165000 | 0.0291781886522467 Réserves | 58117.833620000005 | 0.007731221756249445 | 0 | 0 | 0 | 0 | 0 | 0 | 58117.833620000005 | 0.00792114047991655 | 58117.833620000005 | 0.010655913502751344 | 238291.42462 | 0.04144146060377874 | 238291.42462 | 0.04213886146530293 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 | 0.2679589429637306 | 0 | 0 | 0 | 0 | 0 | 0 | 2014325 | 0.27454139811083866 | 53802.03257 | 0.009864610733543212 | 239502.03257 | 0.04165199844309273 | 104325 | 0.01844857291603416 BNR | -795708.2543200001 | -0.10585041775041391 | 0 | 0 | 0 | 0 | 0 | 0 | -797064.50721 | -0.10863550032589578 | -841140.3467100001 | -0.15422320860789226 | -1027271.47302 | -0.17865363953584343 | -858605.92175 | -0.1518337306833798 1441734.5793 | 0.1917891471850306 | 0 | 0 | 0 | 0 | 0 | 0 | 1440378.3264100002 | 0.19631562907730946 | -564220.4805200001 | -0.10344990964757711 | -384478.01583000005 | -0.06686489273143852 | -350989.49713 | -0.062068107649796 7517289.69267 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 7337053.76989 | 1 | 5454045.1742400015 | 0.9999999999449365 | 5750073.02224 | 1.0000000000000415 | 5654908.94471 | 1.0000000000001557 [bphgdes&$] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 25 | Septembre 25 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 38657.0424 | 53850.90635 | 92507.94875 | 0.41787806261351135 | 18998.29598 | 56492.85135 | 285014.05668 | 0.06665739999389002 Avoirs à la BRH | 897360.15149 | 901416.29221 | 1798776.4437 | 0.49887252784129843 | 862137.11008 | 1231438.94605 | 1843005.50225 | 0.4677886794301349 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 | 3606.95768 | 13664.73317 | 17271.69085 | 0.2088363965824458 | 538.70479 | 38919.62223 | 22799.633719999998 | 0.023627782648431076 939624.15157 | 968931.93173 | 1908556.0833 | 0.4923220018482964 | 881674.11085 | 1326851.41963 | 2208525.53048 | 0.399213909317307 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 1000000 | 0 | 0 Bons du Trésor / M.E.F. | 3799000 | 3799000 | 0 | 2324348 | 2324348 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 626636.34847 | -449557.1375800001 | 177079.21088999987 | 3.53873470138322 | 627312.1111599999 | -446912.29351000005 | 180399.8176499998 | 3.4773433772370583 Immobilisations | 0 | 394783.01217999996 | 394783.01217999996 | 0 | 0 | 389771.26644 | 389771.26644 | 0 Autres actifs | 1180652.5933900003 | 57218.79291 | 1237871.3863000004 | 0.9537764637398825 | 1181331.55041 | 52677.60491 | 1234009.15532 | 0.9573118200275105 2746913.0934300004 | 4770376.59924 | 7517289.692670001 | 0.36541269602905885 | 2690317.77242 | 4646735.997470001 | 7337053.769890001 | 0.36667548811766904 PASSIF Dépôts À vue | 901412.7040799999 | 813445.6765699999 | 1714858.3806499997 | 0.5256484816771451 | 923264.5811300001 | 717646.2594600001 | 1640910.8405900002 | 0.56265371541944 Épargne | 250629.01669 | 430774.15933 | 681403.17602 | 0.3678131031820194 | 253450.61465 | 404675.0243 | 658125.63895 | 0.38510977182770945 À terme | 1392845.2654300001 | 791056.99259 | 2183902.25802 | 0.6377782065635121 | 1374058.53979 | 785501.8118400001 | 2159560.3516300004 | 0.6362677193776425 2544886.9862 | 2035276.8284899998 | 4580163.814689999 | 0.5556323068702831 | 2550773.7355700005 | 1907823.0956000001 | 4458596.83117 | 0.5721023524122141 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 | 52965.77373 | 318224.15338000003 | 371189.92711000005 | 0.14269184011101652 | 63162.12647 | 295212.86203 | 358374.98850000004 | 0.17624591139679938 52965.77373 | 318224.15338000003 | 371189.92711000005 | 0.14269184011101652 | 63162.12647 | 295212.86203 | 358374.98850000004 | 0.17624591139679938 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 | 18731.53896 | 1028651.76378 | 1047383.3027400001 | 0.017884129822384492 | 16310.24928 | 1036299.9995 | 1052610.24878 | 0.015495050802425648 18731.53896 | 1028651.76378 | 1047383.3027400001 | 0.017884129822384492 | 16310.24928 | 1036299.9995 | 1052610.24878 | 0.015495050802425648 Autres passifs | 4957.37494 | 71860.69389000001 | 76818.06883 | 0.06453396987850311 | 4972.43302 | 22120.942010000002 | 27093.375030000003 | 0.18352947960503685 2621541.67383 | 3454013.43954 | 6075555.11337 | 0.4314900655021593 | 2635218.5443400005 | 3261456.89914 | 5896675.44348 | 0.44689903142859627 AVOIR DES ACTIONNAIRES Capital versé | 0 | 165000 | 0 | 0 | 0 | 165000 | 165000 | 0 Réserves | 0 | 58117.833620000005 | 0 | 0 | 0 | 58117.833620000005 | 238291.42462 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 2014325 | 0 | 0 | 0 | 2014325 | 239502.03257 | 0 BNR | 0 | -795708.2543200001 | 0 | 0 | 0 | -797064.50721 | -1027271.47302 | 0 0 | 1441734.5793 | 1441734.5793 | 0 | 0 | 1440378.3264100002 | 1440378.3264100002 | 0 0 2621541.67383 | 4895748.01884 | 7517289.692670001 | 0.34873495382068714 | 2635218.5443400005 | 4701835.22555 | 7337053.76989 | 0.35916576693965113 *Converties au taux de 130.6244 Gdes | *Converties au taux de 131.4767 Gdes [BPHRÉSULT ] BANQUE POPULAIRE HAÏTIENNE (BPH) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2026 | 2025 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 | 2862.97661 | 0 | 0 | 0 | 0 | 0 | 0 | 3973.1069100000004 | -0.18790940865973324 | 3226.5227400000003 | -0.17280302819127197 | 2668.96984 | 0.17209877875577625 | 3128.2962899999998 Intérêts sur Bons B.R.H. | 15678 | 0 | 0 | 0 | 0 | 0 | 0 | 3987.5 | 0 | 14586.5 | 0 | 25299.42856 | 0 | 22477.07143 Autres | 73937.11914 | 0 | 0 | 0 | 0 | 0 | 0 | 54776.26484 | 0.40909415867356175 | 77184.91482 | -0.28410122108883873 | 55256.58627 | 0.24007892317449175 | 68522.528 92478.09575 | 0 | 0 | 0 | 0 | 0 | 0 | 62736.871750000006 | 0.5142281549924427 | 94997.93756 | -0.12392851036965186 | 83224.98467 | 0.13100526354233324 | 94127.89572 Dépenses d'intérêt | 10717.31618 | 0 | 0 | 0 | 0 | 0 | 0 | 18335.81246 | -0.4260775118115492 | 10523.33511 | 0.008161883956197496 | 10609.225349999999 | 0.0022964400506395827 | 10633.5888 81760.77957 | 0 | 0 | 0 | 0 | 0 | 0 | 44401.059290000005 | 0.9025357457862577 | 84474.60245 | -0.1403835328733174 | 72615.75932000001 | 0.14980973416611776 | 83494.30692 AUTRES REVENUS Commissions | 3880.73465 | 0 | 0 | 0 | 0 | 0 | 0 | 4653.06999 | -0.053244780442255946 | 4405.3183 | -0.10471137352322538 | 3944.0313699999997 | 0.2291355253596779 | 4847.74907 Gains sur change | 1317.43004 | 0 | 0 | 0 | 0 | 0 | 0 | -2592.10153 | 2.2470283291719673 | 3232.42404 | 0.6316232817028549 | 5274.09832 | -0.7320835914943656 | 1413.01748 Autres | 1617.11418 | 0 | 0 | 0 | 0 | 0 | 0 | 529.38073 | 1.6393544396676472 | 1397.22338 | 0.07866798650334644 | 1507.14013 | 2.1558317606472333 | 4756.28069 6815.27887 | 0 | 0 | 0 | 0 | 0 | 0 | 2590.34919 | 2.4879335013516077 | 9034.96572 | 0.18708472753342106 | 10725.26982 | 0.027204669429938908 | 11017.04724 PRODUIT NET BANCAIRE | 88576.05844 | 0 | 0 | 0 | 0 | 0 | 0 | 46991.408480000006 | 0.9899290358534067 | 93509.56817000001 | -0.10874330006009264 | 83341.02914000001 | 0.13403152247178968 | 94511.35416 Dotation à la provision pour créances douteuses | 1352.37 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 87223.68844 | 0 | 0 | 0 | 0 | 0 | 0 | 46991.408480000006 | 0.9899290358534067 | 93509.56817000001 | -0.10874330006009264 | 83341.02914000001 | 0.13403152247178968 | 94511.35416 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 53960.46799 | 0 | 0 | 0 | 0 | 0 | 0 | 36063.301250000004 | 0.28128495779348534 | 46207.36542 | 0.014970167282045404 | 46899.09741 | 0.06772569506471435 | 50075.37138 Frais de locaux | 4804.49408 | 0 | 0 | 0 | 0 | 0 | 0 | 4818.40206 | -0.0020716639823121835 | 4808.4199499999995 | 0.0009552618215055144 | 4813.01325 | -0.001000892735959007 | 4808.1959400000005 Amortissement | 4304.6078 | 0 | 0 | 0 | 0 | 0 | 0 | 1822.19106 | 0.06828350370679573 | 1946.6166500000002 | 0.010310432719251467 | 1966.6871099999998 | 0.6309498769227204 | 3207.5681000000004 Autres dépenses d'exploitation | 18272.10552 | 0 | 0 | 0 | 0 | 0 | 0 | 20313.4246 | -0.10278421246607526 | 18225.52525 | 0.19348019448712467 | 21751.80342 | 0.17051796894181379 | 25460.87676 81341.67538999999 | 0 | 0 | 0 | 0 | 0 | 0 | 63017.31897 | 0.12965655209625304 | 71187.92727 | 0.059598222377067966 | 75430.60119 | 0.10766732416122732 | 83552.01217999999 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 5882.013050000009 | 0 | 0 | 0 | 0 | 0 | 0 | -16025.910489999995 | 2.3928469720287335 | 22321.640900000013 | -0.645616198852119 | 7910.427950000012 | 0.38542972001912934 | 10959.341980000012 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 5882.013050000009 | 0 | 0 | 0 | 0 | 0 | 0 | -16025.910489999995 | 2.3928469720287335 | 22321.640900000013 | -0.645616198852119 | 7910.427950000012 | 0.38542972001912934 | 10959.341980000012 0 | 0 | 0 0 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 (oct.25- déc. 25) | 2025 (oct.24-déc. 24) | 2025 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 | 2862.97661 | -0.2794111321811877 | 3973.1069100000004 | 0 | 0 | 3226.5227400000003 | 0 | 0 | 2668.96984 | 0 | 0 | 3128.2962899999998 | 2862.97661 | -0.2794111321811877 | 3973.1069100000004 | 12996.89578 Intérêts sur Bons B.R.H. | 15678 | 2.9317868338557993 | 3987.5 | 0 | 0 | 14586.5 | 0 | 0 | 25299.42856 | 0 | 0 | 22477.07143 | 15678 | 2.9317868338557993 | 3987.5 | 66350.49999 Autres | 73937.11914 | 0.3498021333869393 | 54776.26484 | 0 | 0 | 77184.91482 | 0 | 0 | 55256.58627 | 0 | 0 | 68522.528 | 73937.11914 | 0.3498021333869393 | 54776.26484 | 255740.29393000004 92478.09575 | 0.47406291022153146 | 62736.871750000006 | 0 | 0 | 94997.93756 | 0 | 0 | 83224.98467 | 0 | 0 | 94127.89572 | 92478.09575 | 0.47406291022153146 | 62736.871750000006 | 335087.68970000005 Dépenses d'intérêt | 10717.31618 | -0.41549815676943286 | 18335.81246 | 0 | 0 | 10523.33511 | 0 | 0 | 10609.225349999999 | 0 | 0 | 10633.5888 | 10717.31618 | -0.41549815676943286 | 18335.81246 | 50101.96172 81760.77957 | 0.8414150670593155 | 44401.059290000005 | 0 | 0 | 84474.60245 | 0 | 0 | 72615.75932000001 | 0 | 0 | 83494.30692 | 81760.77957 | 0.8414150670593155 | 44401.059290000005 | 284985.72798 AUTRES REVENUS Commissions | 3880.73465 | -0.1659840367026158 | 4653.06999 | 0 | 0 | 4405.3183 | 0 | 0 | 3944.0313699999997 | 0 | 0 | 4847.74907 | 3880.73465 | -0.1659840367026158 | 4653.06999 | 17850.168729999998 Gains sur change | 1317.43004 | 1.5082478540105642 | -2592.10153 | 0 | 0 | 3232.42404 | 0 | 0 | 5274.09832 | 0 | 0 | 1413.01748 | 1317.43004 | 1.5082478540105642 | -2592.10153 | 7327.43831 Autres | 1617.11418 | 2.0547280782207547 | 529.38073 | 0 | 0 | 1397.22338 | 0 | 0 | 1507.14013 | 0 | 0 | 4756.28069 | 1617.11418 | 2.0547280782207547 | 529.38073 | 8190.02493 6815.27887 | 1.6310270817194343 | 2590.34919 | 0 | 0 | 9034.96572 | 0 | 0 | 10725.26982 | 0 | 0 | 11017.04724 | 6815.27887 | 1.6310270817194343 | 2590.34919 | 33367.631969999995 PRODUIT NET BANCAIRE | 88576.05844 | 0.8849415521924356 | 46991.408480000006 | 0 | 0 | 93509.56817000001 | 0 | 0 | 83341.02914000001 | 0 | 0 | 94511.35416 | 88576.05844 | 0.8849415521924356 | 46991.408480000006 | 318353.35995 Dotation à la provision pour créances douteuses | 1352.37 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1352.37 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 87223.68844 | 0.8561624616364337 | 46991.408480000006 | 0 | 0 | 93509.56817000001 | 0 | 0 | 83341.02914000001 | 0 | 0 | 94511.35416 | 87223.68844 | 0.8561624616364337 | 46991.408480000006 | 318353.35995 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 53960.46799 | 0.49627089366922533 | 36063.301250000004 | 0 | 0 | 46207.36542 | 0 | 0 | 46899.09741 | 0 | 0 | 50075.37138 | 53960.46799 | 0.49627089366922533 | 36063.301250000004 | 179245.13546000002 Frais de locaux | 4804.49408 | -0.0028864299464457623 | 4818.40206 | 0 | 0 | 4808.4199499999995 | 0 | 0 | 4813.01325 | 0 | 0 | 4808.1959400000005 | 4804.49408 | -0.0028864299464457623 | 4818.40206 | 19248.0312 Amortissement | 4304.6078 | 1.3623251669339216 | 1822.19106 | 0 | 0 | 1946.6166500000002 | 0 | 0 | 1966.6871099999998 | 0 | 0 | 3207.5681000000004 | 4304.6078 | 1.3623251669339216 | 1822.19106 | 8943.06292 Autres dépenses d'exploitation | 18272.10552 | -0.10049113432109313 | 20313.4246 | 0 | 0 | 18225.52525 | 0 | 0 | 21751.80342 | 0 | 0 | 25460.87676 | 18272.10552 | -0.10049113432109313 | 20313.4246 | 85751.63003 81341.67538999999 | 0.290782862862247 | 63017.31897 | 0 | 0 | 71187.92727 | 0 | 0 | 75430.60119 | 0 | 0 | 83552.01217999999 | 81341.67538999999 | 0.290782862862247 | 63017.31897 | 293187.85961000004 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 5882.013050000009 | 1.3670314428419106 | -16025.910489999995 | 0 | 0 | 22321.640900000013 | 0 | 0 | 7910.427950000012 | 0 | 0 | 10959.341980000012 | 5882.013050000009 | 1.3670314428419106 | -16025.910489999995 | 25165.50033999997 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 5882.013050000009 | 1.3670314428419106 | -16025.910489999995 | 0 | 0 | 22321.640900000013 | 0 | 0 | 7910.427950000012 | 0 | 0 | 10959.341980000012 | 5882.013050000009 | 1.3670314428419106 | -16025.910489999995 | 25165.50033999997 [BPHVARAN ] BANQUE POPULAIRE HAÏTIENNE (BPH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2026 | Var. | 2025 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 2862.97661 | -0.2794111321811877 | 3973.1069100000004 | 12996.89578 | -0.7158926048594069 | 45746.41844 | 0.29882444655198453 | 35221.402369999996 | 0.47026208662006247 | 23955.86657 Intérêts sur bons B.R.H. | 15678 | 2.9317868338557993 | 3987.5 | 66350.49999 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 73937.11914 | 0.3498021333869393 | 54776.26484 | 255740.29393 | 0.29105894406974986 | 198085.68393 | -0.04037550834717173 | 206419.99621 | 0.1202965289371695 | 184254.78512 92478.09575 | 0.47406291022153146 | 62736.871750000006 | 335087.6897 | 0.3742558360569164 | 243832.10237 | 0.009065929111789698 | 241641.39858 | 0.16056213559993227 | 208210.65168999997 Dépenses d'intérêt | 10717.31618 | -0.41549815676943286 | 18335.81246 | 50101.96172 | -0.5498439228702786 | 111299.08995 | 1.6294218477018365 | 42328.35064 | 0.037626173784569644 | 40793.44923 81760.77957 | 0.8414150670593155 | 44401.059290000005 | 284985.72797999997 | 1.150299934908851 | 132533.01242 | -0.3350509974645667 | 199313.04794000002 | 0.19051713331323128 | 167417.20245999997 AUTRES REVENUS Commissions | 3880.73465 | -0.1659840367026158 | 4653.06999 | 17850.168729999998 | -0.32637357785150106 | 26498.617250000003 | 1.2435939740217161 | 11810.78999 | -0.09558722922079006 | 13059.07034 Gains sur change | 1317.43004 | 1.5082478540105642 | -2592.10153 | 7327.43831 | 0.7033837925462624 | 4301.695449999999 | 1.2113840455908356 | -20350.1425 | -7.276953291599074 | 3242.0414100000003 Autres | 1617.11418 | 2.0547280782207547 | 529.38073 | 8190.02493 | -0.8427654289707411 | 52087.940180000005 | 5.007818325016875 | 8670.02585 | -0.7121152397200784 | 30116.3071 6815.27887 | 1.6310270817194343 | 2590.34919 | 33367.631969999995 | -0.5974383484918256 | 82888.25288000001 | 633.3164786329145 | 130.67333999999755 | -0.997184821059907 | 46417.41885 PRODUIT NET BANCAIRE | 88576.05844 | 0.8849415521924356 | 46991.408480000006 | 318353.35994999995 | 0.4778177052606882 | 215421.26530000003 | 0.08011053904058002 | 199443.72128000003 | -0.0672992050671588 | 213834.62130999996 Dotation à la provision pour créances douteuses | 1352.37 | 0 | 0 | 0 | 0 | 0 | 0 | 36000 | -6.994677377318269e-05 | 36002.51826 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 87223.68844 | 0.8561624616364337 | 46991.408480000006 | 318353.35994999995 | 0.4778177052606882 | 215421.26530000003 | 0.318014932681053 | 163443.72128000003 | -0.08090992302978307 | 177832.10304999998 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 53960.46799 | 0.49627089366922533 | 36063.301250000004 | 179245.13546000002 | 0.36919942093283903 | 130912.36581000002 | -0.018177652655170084 | 133336.10317999998 | 0.21620937735245788 | 109632.52352999999 Frais de locaux | 4804.49408 | -0.0028864299464457623 | 4818.40206 | 19248.0312 | -0.019302883121040355 | 19626.886700000003 | -0.0013231087395293019 | 19652.88961 | 0.07056308711482559 | 18357.52591 Amortissement | 4304.6078 | 1.3623251669339216 | 1822.19106 | 8943.06292 | 0.2347074907895205 | 7243.06201 | 0.022414715635398066 | 7084.2701099999995 | -0.3035155534787137 | 10171.469219999999 Autres dépenses d'exploitation | 18272.10552 | -0.10049113432109313 | 20313.4246 | 85751.63003 | -0.10842520952225072 | 96179.96263 | 0.2270974027548654 | 78380.05558 | -0.05845679304574324 | 83246.37148999999 81341.67538999999 | 0.290782862862247 | 63017.31897 | 293187.85961000004 | 0.15445436582233776 | 253962.27715 | 0.06503981059630666 | 238453.31848000002 | 0.076986544239467 | 221407.89015 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 5882.013050000009 | 1.3670314428419106 | -16025.910489999995 | 25165.50033999991 | 1.6529538051035866 | -38541.01184999998 | 0.48618559106193965 | -75009.59719999999 | -0.7213595483166835 | -43575.787100000016 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET | 5882.013050000009 | 1.3670314428419106 | -16025.910489999995 | 25165.50033999991 | 1.6529538051035866 | -38541.01184999998 | 0.48618559106193965 | -75009.59719999999 | -0.7213595483166835 | -43575.787100000016 [buhinfin] BANQUE DE L'UNION HAÏTIENNE (BUH) INDICATEURS FINANCIERS Var.déc. 25 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 53918482.90405416 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05314130542628606 | 51197766.74434896 | 0.1048301707336433 | 46339942.645078175 | 0.018723090534741242 | 45488261.80110802 | 0.0016876092426340399 | 45411624.72350161 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 12903652.51851653 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03666441290285516 | 13394763.664238324 | 0.08038190502087403 | 12398174.758378172 | 0.04126368529411099 | 11906854.07882657 | -0.22273266022544605 | 15318865.81299061 Dépôts | 45686718.8776288 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05578916067270163 | 43272578.06712021 | 0.13482312481348713 | 38131561.75702027 | 0.00270492663227602 | 38028696.9219254 | 0.006630220958906787 | 37778218.982636556 Avoir des Actionnaires | 3944939.03276419 | 0 | 0 | 0 | 0 | 0 | 0 | 0.019559984386707058 | 3869256.4372631568 | 0.16725701107595667 | 3314828.1831235653 | 0.257747676624015 | 2635527.1766600003 | -0.22537759975536745 | 3402337.9337179996 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 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. 25) | (oct. - déc. 24) | (janv. - mars 26) | (janv. - mars 25) | (avril - juin 26) | (avril - juin 25) | (juil. - sept. 26) | (juil. - sept. 25) | (oct. 25 - déc. 25) | (oct. 24- déc. 24) Résultats Revenus nets d'intérêt | 332603.84873972397 | 0.1396019577259495 | 291859.6677417329 | 0 | 0 | 317832.4261229071 | 0 | 0 | 310821.29796394403 | 0 | 0 | 313704.4124963689 | 332603.84873972397 | 0.1396019577259495 | 291859.6677417329 Autres revenus | 343565.7539452153 | 0.22764799872884803 | 279856.8924487768 | 0 | 0 | 310689.86646215565 | 0 | 0 | 316929.82467837713 | 0 | 0 | 358117.93639973283 | 343565.7539452153 | 0.22764799872884803 | 279856.8924487768 Dot. à la prov. pr créances douteuses | 9690.058850497573 | 1.7502819969336596 | -12915.2223965123 | 0 | 0 | 16047.158492235349 | 0 | 0 | -76321.72838028843 | 0 | 0 | -36987.71009317697 | 9690.058850497573 | 1.7502819969336596 | -12915.2223965123 Dépenses d'exploitation | 558008.107399884 | 0.04818611327868386 | 532355.943597132 | 0 | 0 | 540235.2547891401 | 0 | 0 | 524057.27391508 | 0 | 0 | 583546.2215132958 | 558008.107399884 | 0.04818611327868386 | 532355.943597132 Bénéfice (perte) net | 75682.59358419031 | 1.0682210543855146 | 36593.087292922966 | 0 | 0 | 50998.67241258118 | 0 | 0 | 125777.33246098767 | 0 | 0 | 87675.40685238803 | 75682.59358419031 | 1.0682210543855146 | 36593.087292922966 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 25) | (oct. - déc. 24) | (janv. - mars 26) | (janv. - mars 25) | (avril - juin 26) | (avril - juin 25) | (juil. - sept. 26) | (juil. - sept. 25) | (oct. 25 - déc. 25) | (oct. 24- déc. 24) | 2025 | 2024 | 2023 | 2022 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.07316487446028583 | 0.07129700477358855 | 0 | 0.07212609105635853 | 0 | 0.07078606411630307 | 0 | 0.07557471122879071 | 0.07316487446028583 | 0.07129700477358855 | 0.07557471122879071 | 0.07153285036436353 | 0.05793862135650572 | 0.07492218026626138 Dépôts en % de l'actif | 0.8473294576727343 | 0.8023621356615369 | 0 | 0.8217593893131863 | 0 | 0.823283644679297 | 0 | 0.8452044067312076 | 0.8473294576727343 | 0.8023621356615369 | 0.8452044067312076 | 0.8228659678988678 | 0.8360112129190895 | 0.8319063502496844 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.0021411107492402288 | 0.0071179587621141354 | 0 | 0.009925836432079982 | 0 | 0.010659296369868393 | 0 | 0.0008604077610738926 | 0.0021411107492402288 | 0.0071179587621141354 | 0.0008604077610738926 | 0.002727897304453172 | 0.019764130395404627 | 0.11408158078922474 Provisions pour créances douteuses en % des prêts improductifs bruts | 7.8792960651054 | 2.7771913725877284 | 0 | 2.5074237294985484 | 0 | 1.9557970575746957 | 0 | 19.292307629486675 | 7.8792960651054 | 2.7771913725877284 | 19.292307629486675 | 7.098174752274438 | 0.9896655644517804 | 0.3971745454698088 Prêts improductifs nets en % de l'avoir des actionnaires | -0.04900549092690343 | -0.055017241765893725 | 0 | -0.059393607342706434 | 0 | -0.038393273088229124 | 0 | -0.05540511014435195 | -0.04900549092690343 | -0.055017241765893725 | -0.05540511014435195 | -0.06344777233175647 | 0.0009411805187272899 | 0.32433516656661493 Rentabilité ROA (rendement de l'actif) | 0.005759915814145681 | 0.003136110503480442 | 0 | 0.004333744230071405 | 0 | 0.010379684880422976 | 0 | 0.006944384831777844 | 0.005759915814145681 | 0.003136110503480442 | 0.006172884331678029 | 0.0027893171259060143 | 0.008390643149983825 | 0.005808606807929885 ROE (rendement avoir des action.) | 0.07748216063904063 | 0.04391445300446727 | 0 | 0.06043252298132008 | 0 | 0.1452971629350061 | 0 | 0.09485128191539839 | 0.07748216063904063 | 0.04391445300446727 | 0.08380872857888874 | 0.04304582967163536 | 0.1263208926100493 | 0.07344718595589103 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7128104463500197 | 0.7265901549010779 | 0 | 0.7546650160667205 | 0 | 0.7384991979255204 | 0 | 0.7149073040928434 | 0.7128104463500197 | 0.7265901549010779 | 0.7335497694315912 | 0.7144008024901575 | 0.800697918210508 | 0.7407085462128182 Rendement moyen des prêts | 0.1069776070518041 | 0.10319740676738752 | 0 | 0.10264863714506628 | 0 | 0.1041651376992354 | 0 | 0.10166004162811479 | 0.1069776070518041 | 0.10319740676738752 | 0.1067567155321497 | 0.11661704772677597 | 0.13046658261541064 | 0.11366742252460704 Rendement moyen des prêts productifs | 0.10713712236208305 | 0.10372420256139463 | 0 | 0.10352527342837466 | 0 | 0.10524810871769714 | 0 | 0.10224270386948298 | 0.10713712236208305 | 0.10372420256139463 | 0.10694487290322675 | 0.11792300687520087 | 0.14080894038739883 | 0.12458455227695817 Rémunération moyenne des dépôts | 0.012050928183322153 | 0.011583660640261841 | 0 | 0.010812153692655526 | 0 | 0.011042240669418628 | 0 | 0.01187520747323133 | 0.012050928183322153 | 0.011583660640261841 | 0.011014424912995719 | 0.012643001701479748 | 0.0127809960700656 | 0.014257861429705245 Dépenses d'exploitation en % du produit net bancaire | 0.8252487322472665 | 0.9311536181840493 | 0 | 0.8595323684816253 | 0 | 0.834816944188368 | 0 | 0.8686019785917273 | 0.8252487322472665 | 0.9311536181840493 | 0.8721433495664288 | 0.929991403736984 | 1.0728510952816075 | 0.7934167257992941 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 5816.512711268295 | 4907.43828489708 | 0 | 5371.985406709939 | 0 | 5348.252376079414 | 0 | 5748.2126108757375 | 5816.512711268295 | 4907.43828489708 | 5375.940482395689 | 5171.435018066102 | 6478.839915157717 | 5258.012596367964 [buhvar] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 25 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 ACTIF Disponibilités Encaisse | 2272758.71782326 | 0 | 0 | 0 | 0 | 0 | 0 | -0.16852643166313405 | 2733410.663154679 | 0.47141115625446367 | 1857679.718911936 | -0.65641211950126 | 5406709.096419216 | 2.177408285459028 | 1701609.806068133 Avoirs à la BRH | 21006889.070975017 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1286480789429691 | 18612435.05650489 | 0.042031736437042874 | 17861677.726002168 | 0.42770706530537667 | 12510744.087535687 | -0.26996931705283905 | 17137285.29468015 Avoirs à l'étranger | 2239760.687394264 | 0 | 0 | 0 | 0 | 0 | 0 | 0.2998904791144656 | 1723037.996955 | 0.2616786760597355 | 1365671.014062079 | -0.240708798990839 | 1798612.9856990161 | 0.08994115971070649 | 1650192.737171616 Avoirs dans les banques locales | 385848.722913776 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01268390057316445 | 381015.95443098404 | -0.0037492013249031094 | 382449.835862308 | -0.002815048660884846 | 383529.49003965396 | -0.17545186306931493 | 465138.992936558 Autres liquidités | 26931.930969748002 | 0 | 0 | 0 | 0 | 0 | 0 | 2.9393190279166332 | 6836.697098887 | -0.013938797435767137 | 6933.339513925001 | -0.9925953369676218 | 936347.7424438801 | 8.008967365429863 | 103935.079844659 25932189.130076066 | 0 | 0 | 0 | 0 | 0 | 0 | 0.10553270169730122 | 23456736.36814444 | 0.09231101496727012 | 21474411.634352416 | 0.0208437636398286 | 21035943.40213745 | -0.0010551019912318673 | 21058161.910701115 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 8672514.040561564 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1262706804908705 | 7700204.0369032435 | 0.2871841094974577 | 5982208.745499163 | -0.12458262871870114 | 6833550.420347888 | -0.009723376871802171 | 6900648.021722754 Portefeuille net | 12903652.51851653 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03666441290285516 | 13394763.664238324 | 0.08038190502087403 | 12398174.758378172 | 0.04126368529411099 | 11906854.07882657 | -0.22273266022544605 | 15318865.81299061 Immobilisations | 4999474.862789999 | 0 | 0 | 0 | 0 | 0 | 0 | 0.006718940597612386 | 4966107.878949999 | -0.024686206369643384 | 5091805.233744239 | 0.2228491427890016 | 4163886.6607300006 | 2.607793388689217 | 1154136.67362 Autres actifs | 1410652.3521100013 | 0 | 0 | 0 | 0 | 0 | 0 | 0.022245334472927095 | 1379954.7961129488 | -0.009608175427998947 | 1393342.2731041806 | -0.09992393031484723 | 1548027.2390661077 | 0.579922227969989 | 979812.3044671239 53918482.90405416 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05314130542628606 | 51197766.74434896 | 0.1048301707336433 | 46339942.645078175 | 0.018723090534741242 | 45488261.80110802 | 0.0016876092426340399 | 45411624.72350161 PASSIF Dépôts À vue | 21657998.510940053 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11111178126990234 | 19492186.903271675 | 0.13685912478654794 | 17145648.461001225 | -0.0022144728566241174 | 17183701.301108867 | 0.03880315702567971 | 16541826.220772717 Épargne | 10088245.739978408 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04879993429138915 | 9618846.655243574 | 0.1383613976554231 | 8449730.178003766 | -0.006205996408954427 | 8502496.641628861 | 0.048860883884537326 | 8106410.270673083 À terme | 13940474.626710344 | 0 | 0 | 0 | 0 | 0 | 0 | -0.01561057706384259 | 14161544.508604959 | 0.12965360949888555 | 12536183.118015284 | 0.0156924573503474 | 12342498.979187675 | -0.0599759757891088 | 13129982.491190754 45686718.8776288 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05578916067270163 | 43272578.06712021 | 0.13482312481348713 | 38131561.75702027 | 0.00270492663227602 | 38028696.9219254 | 0.006630220958906787 | 37778218.982636556 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 400000 | 0 | 0 | 0 | 700000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2582641.8363095885 | 0 | 0 | 0 | 0 | 0 | 0 | 0.050974905173247896 | 2457377.2633361337 | -0.04710643679421878 | 2578858.0784079167 | -0.033195789716617324 | 2667404.6833660565 | 1.0544391939867879 | 1298361.4658313468 2582641.8363095885 | 0 | 0 | 0 | 0 | 0 | 0 | 0.050974905173247896 | 2457377.2633361337 | -0.1750606444972008 | 2978858.0784079167 | 0.1167627083299675 | 2667404.6833660565 | 0.3347958960249357 | 1998361.4658313468 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1414978.35488 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 647039.0176805034 | 0 | 0 | 0 | 0 | 0 | 0 | -0.027883666766880574 | 665598.3399934702 | -0.02847367016334471 | 685105.8170552914 | 0.006580898306650319 | 680626.682075758 | 0.17904079002557635 | 577271.5310901105 647039.0176805034 | 0 | 0 | 0 | 0 | 0 | 0 | -0.027883666766880574 | 665598.3399934702 | -0.02847367016334471 | 685105.8170552914 | 0.006580898306650319 | 680626.682075758 | -0.6583627953155424 | 1992249.8859701105 Autres passifs | 1057144.139671069 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1331117633536297 | 932956.636635982 | -0.24124501679100085 | 1229588.8096711175 | -0.16694881154195013 | 1476006.308744419 | 5.138351836319308 | 240456.452823575 49973543.87128997 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05588668536242033 | 47328510.3070858 | 0.1000205554064596 | 43025114.4621546 | 0.004022610637749255 | 42852734.59611163 | 0.02007765123748322 | 42009286.78726158 AVOIR DES ACTIONNAIRES Capital versé | 750000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 750000 | 0.0299994034008616 | 728155.76157 | 0 | 728155.76157 | -3.433213471075307e-05 | 728180.76157 Réserves | 477378.60000000003 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 477378.60000000003 | -0.48718272476150826 | 930894.1470000001 | 1.4126116627143026 | 385845 | 0.0021141643652174734 | 385030.98121999996 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 1432779.18618 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1432779.18618 | 0.19542286172271311 | 1198554.27904 | 2.328138739979809e-07 | 1198554 | -9.569286293484027e-05 | 1198668.70404 BNR | 1284781.2465841903 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0625942270576797 | 1209098.651083157 | 1.644433938173054 | 457223.99551356555 | 0.4156750674392881 | 322972.41509 | -0.703819342823062 | 1090457.486888 3944939.03276419 | 0 | 0 | 0 | 0 | 0 | 0 | 0.019559984386707058 | 3869256.4372631568 | 0.16725701107595667 | 3314828.1831235653 | 0.257747676624015 | 2635527.1766600003 | -0.22537759975536745 | 3402337.9337179996 53918482.90405416 | 0 | 0 | 0 | 0 | 0 | 0 | 0.053141305426286214 | 51197766.74434895 | 0.10483017072887504 | 46339942.64527816 | 0.018723091173739426 | 45488261.772771634 | 0.0016876086742750383 | 45411624.720979586 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 5796344.772130188 | 0 | 0 | 0 | 4472032.08873047 | 4872623.17173931 | 3361981.889064204 | 2620854.426157199 Portefeuille brut | 13125078.439024258 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03639867874049561 | 13620859.736751633 | 0.0773454996358982 | 12642981.978719886 | 0.041054731637814396 | 12144397.018233247 | -0.24314692173690344 | 16045910.847193018 Provisions pour créances douteuses | 221425.92050772868 | 0 | 0 | 0 | 0 | 0 | 0 | -0.020655608713877317 | 226096.072513308 | -0.07643217304737984 | 244807.22034171392 | 0.030580917088851398 | 237542.9394066763 | -0.6732761682812831 | 727045.034202408 Portefeuille de crédit improductif | 28102.246530416 | 0 | 0 | 0 | 0 | 0 | 0 | 1.3979062489577243 | 11719.493430000002 | -0.6601937955173232 | 34488.756460000004 | -0.8563108854572565 | 240023.44624192503 | -0.868878544411193 | 1830542.874650748 [buhcomp] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 25 | Comp. | Mars 26 | Comp. | Juin 26 | Comp. | Sept. 26 | Comp. | 2025 | Comp. | 2024 | Comp. | 2023 | Comp. | 2022 | Comp. ACTIF Disponibilités Encaisse | 2272758.71782326 | 0.042151755676574684 | 0 | 0 | 0 | 0 | 0 | 0 | 2733410.663154679 | 0.05338925576194949 | 1857679.718911936 | 0.04008808843679574 | 5406709.096419216 | 0.11885943499136997 | 1701609.806068133 | 0.03747079776221944 Avoirs à la BRH | 21006889.070975017 | 0.38960460197583746 | 0 | 0 | 0 | 0 | 0 | 0 | 18612435.05650489 | 0.36353997918394104 | 17861677.726002168 | 0.3854488526843112 | 12510744.087535687 | 0.27503236202423864 | 17137285.29468015 | 0.3773766166488025 Avoirs à l'étranger | 2239760.687394264 | 0.04153975718085079 | 0 | 0 | 0 | 0 | 0 | 0 | 1723037.996955 | 0.03365455383159234 | 1365671.014062079 | 0.029470710063710635 | 1798612.9856990161 | 0.03954015639382389 | 1650192.737171616 | 0.03633855311760298 Avoirs dans les banques locales | 385848.722913776 | 0.007156149471052047 | 0 | 0 | 0 | 0 | 0 | 0 | 381015.95443098404 | 0.007442042469030924 | 382449.835862308 | 0.008253135719038886 | 383529.49003965396 | 0.008431394712697328 | 465138.992936558 | 0.010242729604339335 Autres liquidités | 26931.930969748002 | 0.0004994934857064196 | 0 | 0 | 0 | 0 | 0 | 0 | 6836.697098887 | 0.00013353506478173898 | 6933.339513925001 | 0.00014961907844876022 | 936347.7424438801 | 0.020584381670549396 | 103935.079844659 | 0.002288732906551791 25932189.130076066 | 0.4809517577900214 | 0 | 0 | 0 | 0 | 0 | 0 | 23456736.36814444 | 0.45815936631129556 | 21474411.634352416 | 0.4634104059823052 | 21035943.40213745 | 0.4624477297926792 | 21058161.910701115 | 0.46371743003951604 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0.005859630586975027 | 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 | 8672514.040561564 | 0.16084491946841245 | 0 | 0 | 0 | 0 | 0 | 0 | 7700204.0369032435 | 0.1504011703352894 | 5982208.745499163 | 0.12909400409313068 | 6833550.420347888 | 0.15022667716402904 | 6900648.021722754 | 0.15195774350155553 Portefeuille net | 12903652.51851653 | 0.23931779648693152 | 0 | 0 | 0 | 0 | 0 | 0 | 13394763.664238324 | 0.26162788957424193 | 12398174.758378172 | 0.2675483406040641 | 11906854.07882657 | 0.26175662923520504 | 15318865.81299061 | 0.33733357716802254 Immobilisations | 4999474.862789999 | 0.09272283998951472 | 0 | 0 | 0 | 0 | 0 | 0 | 4966107.878949999 | 0.09699852541904362 | 5091805.233744239 | 0.109879403018317 | 4163886.6607300006 | 0.09153760763460465 | 1154136.67362 | 0.02541500509279745 Autres actifs | 1410652.3521100013 | 0.026162686265119927 | 0 | 0 | 0 | 0 | 0 | 0 | 1379954.7961129488 | 0.026953417773154405 | 1393342.2731041806 | 0.03006784630218288 | 1548027.2390661077 | 0.03403135617348211 | 979812.3044671239 | 0.02157624419810832 53918482.90405416 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 51197766.74434896 | 1 | 46339942.645078175 | 1 | 45488261.80110802 | 1 | 45411624.72350161 | 1 PASSIF Dépôts À vue | 21657998.510940053 | 0.40168041355094536 | 0 | 0 | 0 | 0 | 0 | 0 | 19492186.903271675 | 0.3807233819514825 | 17145648.461001225 | 0.36999718778940455 | 17183701.301108867 | 0.3777612206032964 | 16541826.220772717 | 0.3642641354827352 Épargne | 10088245.739978408 | 0.18710180992907477 | 0 | 0 | 0 | 0 | 0 | 0 | 9618846.655243574 | 0.1878762935749589 | 8449730.178003766 | 0.18234226664286177 | 8502496.641628861 | 0.18691627916681033 | 8106410.270673083 | 0.17850958471604345 À terme | 13940474.626710344 | 0.25854723419271414 | 0 | 0 | 0 | 0 | 0 | 0 | 14161544.508604959 | 0.27660473120476614 | 12536183.118015284 | 0.27052651346660156 | 12342498.979187675 | 0.2713337131489828 | 13129982.491190754 | 0.2891326300509057 45686718.8776288 | 0.8473294576727343 | 0 | 0 | 0 | 0 | 0 | 0 | 43272578.06712021 | 0.8452044067312076 | 38131561.75702027 | 0.8228659678988678 | 38028696.9219254 | 0.8360112129190895 | 37778218.982636556 | 0.8319063502496844 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 400000 | 0.008631862215791597 | 0 | 0 | 700000 | 0.015414555287596507 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2582641.8363095885 | 0.04789900785794176 | 0 | 0 | 0 | 0 | 0 | 0 | 2457377.2633361337 | 0.047997743253271316 | 2578858.0784079167 | 0.05565086901724555 | 2667404.6833660565 | 0.05863940668977338 | 1298361.4658313468 | 0.028590949426203056 2582641.8363095885 | 0.04789900785794176 | 0 | 0 | 0 | 0 | 0 | 0 | 2457377.2633361337 | 0.047997743253271316 | 2978858.0784079167 | 0.06428273123303714 | 2667404.6833660565 | 0.05863940668977338 | 1998361.4658313468 | 0.04400550471379956 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1414978.35488 | 0.03115894583150016 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 647039.0176805034 | 0.01200031942352466 | 0 | 0 | 0 | 0 | 0 | 0 | 665598.3399934702 | 0.013000534638885139 | 685105.8170552914 | 0.0147843475401465 | 680626.682075758 | 0.014962688287622788 | 577271.5310901105 | 0.012711977045634279 647039.0176805034 | 0.01200031942352466 | 0 | 0 | 0 | 0 | 0 | 0 | 665598.3399934702 | 0.013000534638885139 | 685105.8170552914 | 0.0147843475401465 | 680626.682075758 | 0.014962688287622788 | 1992249.8859701105 | 0.04387092287713444 Autres passifs | 1057144.139671069 | 0.01960634058551343 | 0 | 0 | 0 | 0 | 0 | 0 | 932956.636635982 | 0.018222604147845153 | 1229588.8096711175 | 0.02653410296790071 | 1476006.308744419 | 0.03244807012407025 | 240456.452823575 | 0.005295041837583341 49973543.87128997 | 0.9268351255397141 | 0 | 0 | 0 | 0 | 0 | 0 | 47328510.3070858 | 0.9244252887712092 | 43025114.4621546 | 0.9284671496399521 | 42852734.59611163 | 0.9420613780205559 | 42009286.78726158 | 0.9250778196782016 AVOIR DES ACTIONNAIRES Capital versé | 750000 | 0.013909886918268747 | 0 | 0 | 0 | 0 | 0 | 0 | 750000 | 0.014649076467437567 | 728155.76157 | 0.015713350513767595 | 728155.76157 | 0.016007552998040988 | 728180.76157 | 0.016035118012264135 Réserves | 477378.60000000003 | 0.008853709790935266 | 0 | 0 | 0 | 0 | 0 | 0 | 477378.60000000003 | 0.009324207487091056 | 930894.1470000001 | 0.020088375035977123 | 385845 | 0.008482298173692834 | 385030.98121999996 | 0.008478687639218888 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 | 1432779.18618 | 0.02657306194481723 | 0 | 0 | 0 | 0 | 0 | 0 | 1432779.18618 | 0.02798518914573838 | 1198554.27904 | 0.025864388487051783 | 1198554 | 0.026348643639990774 | 1198668.70404 | 0.026395635728480336 BNR | 1284781.2465841903 | 0.02382821580626459 | 0 | 0 | 0 | 0 | 0 | 0 | 1209098.651083157 | 0.023616238128523707 | 457223.99551356555 | 0.009866736327567032 | 322972.41509 | 0.007100126544781119 | 1090457.486888 | 0.02401273888629803 3944939.03276419 | 0.07316487446028583 | 0 | 0 | 0 | 0 | 0 | 0 | 3869256.4372631568 | 0.07557471122879071 | 3314828.1831235653 | 0.07153285036436353 | 2635527.1766600003 | 0.05793862135650572 | 3402337.9337179996 | 0.07492218026626138 53918482.90405416 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 51197766.74434895 | 0.9999999999999999 | 46339942.64527816 | 1.0000000000043157 | 45488261.772771634 | 0.9999999993770616 | 45411624.720979586 | 0.9999999999444631 [buhgdes&$] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 25 | Septembre 25 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 227712.18051325998 | 2045046.53731 | 2272758.71782326 | 0.10019197318550024 | 251532.91225467902 | 2481877.7509 | 2733410.663154679 | 0.09202163277009402 Avoirs à la BRH | 15962553.672755018 | 5044335.39822 | 21006889.070975017 | 0.7598723265888189 | 13508785.963574888 | 5103649.09293 | 18612435.05650489 | 0.7257935849105183 Avoirs à l'étranger | 2239760.687394264 | 0 | 2239760.687394264 | 1 | 1723037.996955 | 0 | 1723037.996955 | 1 Avoirs dans les banques locales | 288467.925823776 | 97380.79709000001 | 385848.722913776 | 0.7476192318206498 | 288628.60734098405 | 92387.34709000001 | 381015.95443098404 | 0.7575236784297579 Autres liquidités | 6994.175079748001 | 19937.75589 | 26931.930969748002 | 0 | 2244.5111688869997 | 4592.18593 | 6836.697098887 | 0.3283034389884556 18725488.641566064 | 7206700.488509999 | 25932189.130076062 | 0.722094403509047 | 15774229.991294438 | 7682506.376850001 | 23456736.368144438 | 0.6724818723169318 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 300000 | 300000 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 5604404.741423912 | 3068109.299137651 | 8672514.040561564 | 0.6462260787600886 | 5567922.140431037 | 2132281.8964722063 | 7700204.0369032435 | 0.7230876108927451 Portefeuille net | 8813888.628667388 | 4089763.8898491417 | 12903652.51851653 | 0.6830537800068316 | 9592424.455754189 | 3802339.2084841365 | 13394763.664238326 | 0.7161324153381132 Immobilisations | 0 | 4999474.862789999 | 4999474.862789999 | 0 | 0 | 4966107.878949999 | 4966107.878949999 | 0 Autres actifs | 292220.476155852 | 1118431.8759541493 | 1410652.3521100013 | 0.20715272314880384 | 241366.96977589055 | 1138587.8263370583 | 1379954.7961129488 | 0.17490933069385467 33436002.487813216 | 20482480.416240938 | 53918482.90405415 | 0.6201213514725792 | 31175943.557255555 | 20021823.1870934 | 51197766.74434896 | 0.6089317081530056 PASSIF Dépôts À vue | 14812553.591770053 | 6845444.91917 | 21657998.510940053 | 0.6839299385992581 | 12822495.546661673 | 6669691.35661 | 19492186.903271675 | 0.6578274469813069 Épargne | 6188612.683318408 | 3899633.0566600002 | 10088245.739978408 | 0.6134478523648308 | 5852154.614133574 | 3766692.04111 | 9618846.655243574 | 0.608405022336369 À terme | 10909543.535410345 | 3030931.0913 | 13940474.626710344 | 0.7825804951079176 | 11128552.820514958 | 3032991.6880900003 | 14161544.508604959 | 0.7858290325432322 31910709.810498804 | 13776009.06713 | 45686718.8776288 | 0.6984679704395311 | 29803202.981310207 | 13469375.08581 | 43272578.06712021 | 0.6887318554277579 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1024451.7621501359 | 1558190.0741594527 | 2582641.8363095885 | 0.39666815109523845 | 887314.1517261781 | 1570063.1116099549 | 2457377.263336133 | 0.36108177810742875 1024451.7621501359 | 1558190.0741594527 | 2582641.8363095885 | 0.39666815109523845 | 887314.1517261781 | 1570063.1116099549 | 2457377.263336133 | 0.36108177810742875 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 | 426465.19671405206 | 220573.8209664513 | 647039.0176805034 | 0.6591027512418627 | 458664.5798391439 | 206933.76015432633 | 685624.6318052914 | 0.6689733107042145 426465.19671405206 | 220573.8209664513 | 647039.0176805034 | 0.6591027512418627 | 458664.5798391439 | 206933.76015432633 | 665598.3399934702 | 0.6891011474632638 Autres passifs | 58185.898676009936 | 998958.2409950591 | 1057144.139671069 | 0.05504064818834876 | 26479.647376866393 | 906476.9892591155 | 932956.636635982 | 0.028382506042666306 33419812.668039 | 16553731.203250961 | 49973543.87128997 | 0.6687501041373781 | 31175661.360252395 | 16152848.946833396 | 47328510.3070858 | 0.6587078519474323 AVOIR DES ACTIONNAIRES Capital versé | 0 | 750000 | 750000 | 0 | 0 | 750000 | 750000 | 0 Réserves | 0 | 477378.60000000003 | 477378.60000000003 | 0 | 0 | 477378.60000000003 | 477378.60000000003 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 1432779.18618 | 1432779.18618 | 0 | 0 | 1432779.18618 | 1432779.18618 | 0 BNR | 0 | 1284781.2465841903 | 1284781.2465841903 | 0 | 0 | 1209098.651083157 | 1209098.651083157 | 0 0 | 3944939.03276419 | 3944939.03276419 | 0 | 3869256.4372631568 | 3869256.4372631568 33419812.668039 | 20498670.236015152 | 53918482.90405415 | 0.6198210867228638 | 31175661.360252395 | 20022105.38409655 | 51197766.74434894 | 0.6089261962523682 *Converties au taux de 130.6244 Gdes | *Converties au taux de 131.4767 Gdes [buhrésult] BANQUE DE L'UNION HAÏTIENNE (BUH) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2026 | 2025 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 | 357652.05805 | 0 | 0 | 0 | 0 | 0 | 0 | 351115.96291999996 | 0.02582886079738398 | 360184.8882500001 | -0.031871754103220885 | 348705.16406 | -0.019473298906556028 | 341914.72416999994 Intérêts sur Bons B.R.H. | 4095 | 0 | 0 | 0 | 0 | 0 | 0 | 1579.5 | 0 | 1053 | 2.190476191832858 | 3359.5714299999995 | 0.19402984981331403 | 4011.42857 Autres | 104862.053029724 | 0 | 0 | 0 | 0 | 0 | 0 | 48988.575561733 | 0.22312343022507186 | 59919.07458290699 | 0.14850975524871493 | 68817.641683944 | 0.34962727105539 | 92878.165946369 466609.111079724 | 0 | 0 | 0 | 0 | 0 | 0 | 401684.03848173295 | 0.048478212937653746 | 421156.9628329071 | -0.0006519793881978684 | 420882.377173944 | 0.042581829234009605 | 438804.31868636893 Dépenses d'intérêt | 134005.26234000002 | 0 | 0 | 0 | 0 | 0 | 0 | 109824.37074000001 | -0.05918389503353336 | 103324.53671 | 0.06519789698072768 | 110061.07921 | 0.13664073701572055 | 125099.90619 332603.84873972397 | 0 | 0 | 0 | 0 | 0 | 0 | 291859.6677417329 | 0.08899057064697789 | 317832.4261229071 | -0.022059197182894803 | 310821.29796394403 | 0.009275794648921842 | 313704.4124963689 AUTRES REVENUS Commissions | 199793.04589 | 0 | 0 | 0 | 0 | 0 | 0 | 174582.2300233334 | 0.05868499142061488 | 184827.58669444453 | 0.06745939916637086 | 197295.94464222208 | 0.04134722977996172 | 205453.58539999864 Gains sur change | 82726.80373999997 | 0 | 0 | 0 | 0 | 0 | 0 | 62394.19291 | 0.16889348960064618 | 72932.1658813858 | -0.0030475645091507116 | 72709.90040107019 | 0.18733833189266 | 86331.25185428813 Autres | 61045.90431521536 | 0 | 0 | 0 | 0 | 0 | 0 | 42880.469515443445 | 0.23436414023550967 | 52930.11388632533 | -0.11347291381498761 | 46923.979635084856 | 0.4136290157250237 | 66333.09914544606 343565.7539452153 | 0 | 0 | 0 | 0 | 0 | 0 | 279856.8924487768 | 0.11017407412619759 | 310689.86646215565 | 0.020084202575630362 | 316929.82467837713 | 0.12995972140884413 | 358117.93639973283 PRODUIT NET BANCAIRE | 676169.6026849393 | 0 | 0 | 0 | 0 | 0 | 0 | 571716.5601905098 | 0.09935995622660287 | 628522.2925850628 | -0.0012269571848754484 | 627751.1226423212 | 0.07020493419155775 | 671822.3488961018 Dotation à la provision pour créances douteuses | 9690.058850497573 | 0 | 0 | 0 | 0 | 0 | 0 | -12915.2223965123 | 2.2424995868881683 | 16047.158492235349 | -5.756089896988168 | -76321.72838028843 | 0.5153711678425542 | -36987.71009317697 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 666479.5438344417 | 0 | 0 | 0 | 0 | 0 | 0 | 584631.782587022 | 0.047625449616504424 | 612475.1340928274 | 0.1495533644242601 | 704072.8510226096 | 0.006728292334789925 | 708810.0589892787 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 236726.39897000004 | 0 | 0 | 0 | 0 | 0 | 0 | 225108.03574999998 | 0.006063160364100955 | 226472.90187 | 0.016420675539074826 | 230191.73991 | -0.020535540075625792 | 225464.62821000017 Frais de locaux | 83648.77286 | 0 | 0 | 0 | 0 | 0 | 0 | 89248.43530000001 | 0.010175300742779461 | 90156.56497 | -0.00804721176146658 | 89431.056 | -0.047451565112439906 | 85187.41242314174 Amortissement | 24400.689579999995 | 0 | 0 | 0 | 0 | 0 | 0 | 24080.07539 | -0.018316154864829147 | 23639.021 | 0.040005582295476495 | 24584.713799999998 | 0.5190278237040122 | 37344.864299999994 Autres dépenses d'exploitation | 213232.245989884 | 0 | 0 | 0 | 0 | 0 | 0 | 193919.39715713199 | 0.03118496592224789 | 199966.76694914 | -0.10060173023238714 | 179849.76420508 | 0.3097004470440143 | 235549.31658015383 558008.107399884 | 0 | 0 | 0 | 0 | 0 | 0 | 532355.943597132 | 0.014800832575978275 | 540235.2547891401 | -0.029946177578459812 | 524057.27391508 | 0.11351611848413264 | 583546.2215132958 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 108471.43643455766 | 0 | 0 | 0 | 0 | 0 | 0 | 52275.838989890064 | 0.38189803740229344 | 72239.87930368737 | 1.491914145520188 | 180015.57710752962 | -0.3041500103007282 | 125263.83747598296 Impôts sur le revenu | 32788.84285036735 | 0 | 0 | 0 | 0 | 0 | 0 | 15682.751696967101 | 0.35443111652491693 | 21241.206891106187 | 1.5534445817790044 | 54238.24464654194 | -0.30697553232870967 | 37588.43062359494 BÉNÉFICE NET (PERTE NETTE) | 75682.59358419031 | 0 | 0 | 0 | 0 | 0 | 0 | 36593.087292922966 | 0.393669574921169 | 50998.67241258118 | 1.466286405329227 | 125777.33246098767 | -0.3029315764859118 | 87675.40685238803 0 | 0 | 0 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 (oct.25- déc. 25) | 2025 (oct.24-déc. 24) | 2025 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 | 357652.05805 | 0.018615203580160916 | 351115.96291999996 | 0 | 0 | 360184.8882500001 | 0 | 0 | 348705.16406 | 0 | 0 | 341914.72416999994 | 357652.05805 | 0.018615203580160916 | 351115.96291999996 | 1401920.7393999998 Intérêts sur Bons B.R.H. | 4095 | 1.5925925925925926 | 1579.5 | 0 | 0 | 1053 | 0 | 0 | 3359.5714299999995 | 0 | 0 | 4011.42857 | 4095 | 1.5925925925925926 | 1579.5 | 10003.5 Autres | 104862.053029724 | 1.140540969548747 | 48988.575561733 | 0 | 0 | 59919.07458290699 | 0 | 0 | 68817.641683944 | 0 | 0 | 92878.165946369 | 104862.053029724 | 1.140540969548747 | 48988.575561733 | 270603.457774953 466609.111079724 | 0.16163219440680757 | 401684.03848173295 | 0 | 0 | 421156.9628329071 | 0 | 0 | 420882.377173944 | 0 | 0 | 438804.31868636893 | 466609.111079724 | 0.16163219440680757 | 401684.03848173295 | 1682527.6971749528 Dépenses d'intérêt | 134005.26234000002 | 0.22017782972092995 | 109824.37074000001 | 0 | 0 | 103324.53671 | 0 | 0 | 110061.07921 | 0 | 0 | 125099.90619 | 134005.26234000002 | 0.22017782972092995 | 109824.37074000001 | 448309.89285 332603.84873972397 | 0.1396019577259495 | 291859.6677417329 | 0 | 0 | 317832.4261229071 | 0 | 0 | 310821.29796394403 | 0 | 0 | 313704.4124963689 | 332603.84873972397 | 0.1396019577259495 | 291859.6677417329 | 1234217.804324953 AUTRES REVENUS Commissions | 199793.04589 | 0.14440654047835863 | 174582.2300233334 | 0 | 0 | 184827.58669444453 | 0 | 0 | 197295.94464222208 | 0 | 0 | 205453.58539999864 | 199793.04589 | 0.14440654047835863 | 174582.2300233334 | 762159.3467599987 Gains sur change | 82726.80373999997 | 0.32587344882124825 | 62394.19291 | 0 | 0 | 72932.1658813858 | 0 | 0 | 72709.90040107019 | 0 | 0 | 86331.25185428813 | 82726.80373999997 | 0.32587344882124825 | 62394.19291 | 294367.51104674407 Autres | 61045.90431521536 | 0.42362956854354444 | 42880.469515443445 | 0 | 0 | 52930.11388632533 | 0 | 0 | 46923.979635084856 | 0 | 0 | 66333.09914544606 | 61045.90431521536 | 0.42362956854354444 | 42880.469515443445 | 209067.66218229968 343565.7539452153 | 0.22764799872884803 | 279856.8924487768 | 0 | 0 | 310689.86646215565 | 0 | 0 | 316929.82467837713 | 0 | 0 | 358117.93639973283 | 343565.7539452153 | 0.22764799872884803 | 279856.8924487768 | 1265594.5199890423 PRODUIT NET BANCAIRE | 676169.6026849393 | 0.18270074678197748 | 571716.5601905098 | 0 | 0 | 628522.2925850628 | 0 | 0 | 627751.1226423212 | 0 | 0 | 671822.3488961018 | 676169.6026849393 | 0.18270074678197748 | 571716.5601905098 | 2499812.3243139954 Dotation à la provision pour créances douteuses | 9690.058850497573 | 1.7502819969336596 | -12915.2223965123 | 0 | 0 | 16047.158492235349 | 0 | 0 | -76321.72838028843 | 0 | 0 | -36987.71009317697 | 9690.058850497573 | 1.7502819969336596 | -12915.2223965123 | -110177.50237774235 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 666479.5438344417 | 0.13999882265250718 | 584631.782587022 | 0 | 0 | 612475.1340928274 | 0 | 0 | 704072.8510226096 | 0 | 0 | 708810.0589892787 | 666479.5438344417 | 0.13999882265250718 | 584631.782587022 | 2609989.826691738 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 236726.39897000004 | 0.05161238771992643 | 225108.03574999998 | 0 | 0 | 226472.90187 | 0 | 0 | 230191.73991 | 0 | 0 | 225464.62821000017 | 236726.39897000004 | 0.05161238771992643 | 225108.03574999998 | 907237.3057400002 Frais de locaux | 83648.77286 | -0.06274241583258339 | 89248.43530000001 | 0 | 0 | 90156.56497 | 0 | 0 | 89431.056 | 0 | 0 | 85187.41242314174 | 83648.77286 | -0.06274241583258339 | 89248.43530000001 | 354023.4686931417 Amortissement | 24400.689579999995 | 0.013314501088860292 | 24080.07539 | 0 | 0 | 23639.021 | 0 | 0 | 24584.713799999998 | 0 | 0 | 37344.864299999994 | 24400.689579999995 | 0.013314501088860292 | 24080.07539 | 109648.67449 Autres dépenses d'exploitation | 213232.245989884 | 0.09959214558151133 | 193919.39715713199 | 0 | 0 | 199966.76694914 | 0 | 0 | 179849.76420508 | 0 | 0 | 235549.31658015383 | 213232.245989884 | 0.09959214558151133 | 193919.39715713199 | 809285.2448915057 558008.107399884 | 0.04818611327868386 | 532355.943597132 | 0 | 0 | 540235.2547891401 | 0 | 0 | 524057.27391508 | 0 | 0 | 583546.2215132958 | 558008.107399884 | 0.04818611327868386 | 532355.943597132 | 2180194.693814648 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 108471.43643455766 | 1.0749822199034549 | 52275.838989890064 | 0 | 0 | 72239.87930368737 | 0 | 0 | 180015.57710752962 | 0 | 0 | 125263.83747598296 | 108471.43643455766 | 1.0749822199034549 | 52275.838989890064 | 429795.13287709 Impôts sur le revenu | 32788.84285036735 | 1.090758272778648 | 15682.751696967101 | 0 | 0 | 21241.206891106187 | 0 | 0 | 54238.24464654194 | 0 | 0 | 37588.43062359494 | 32788.84285036735 | 1.090758272778648 | 15682.751696967101 | 128750.63385821017 BÉNÉFICE NET (PERTE NETTE) | 75682.59358419031 | 1.0682210543855146 | 36593.087292922966 | 0 | 0 | 50998.67241258118 | 0 | 0 | 125777.33246098767 | 0 | 0 | 87675.40685238803 | 75682.59358419031 | 1.0682210543855146 | 36593.087292922966 | 301044.49901887984 [BUHVARAN] BANQUE DE L'UNION HAÏTIENNE (BUH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2026 | Var. | 2025 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 357652.05805 | 0.018615203580160916 | 351115.96291999996 | 1401920.7393999998 | -0.03002440710179735 | 1445315.479754684 | -0.2140524867704151 | 1838946.565039248 | 0.09371265544447775 | 1681379.982105 Intérêts sur Bons B.R.H. | 4095 | 1.5925925925925926 | 1579.5 | 10003.5 | 3.0714285714285716 | 2457 | 0.9687477441432097 | 1248.00143 | 4.333339444444444 | 234 Autres | 104862.053029724 | 1.140540969548747 | 48988.575561733 | 270603.457774953 | 0.03297341862510142 | 261965.55777314102 | -0.5563720435080589 | 590507.324751748 | 1.6383286353619217 | 223818.714938347 466609.111079724 | 0.16163219440680757 | 401684.03848173295 | 1682527.6971749528 | -0.01591491781525585 | 1709738.037527825 | -0.29660727063943443 | 2430701.891220996 | 0.2756692456221138 | 1905432.697043347 Dépenses d'intérêt | 134005.26234000002 | 0.22017782972092995 | 109824.37074000001 | 448309.89285 | -0.08189624013904999 | 488299.81146999996 | 0.007959361166226428 | 484443.94713 | -0.019468121244006497 | 494062.41411 332603.84873972397 | 0.1396019577259495 | 291859.6677417329 | 1234217.804324953 | 0.010462729915022924 | 1221438.2260578251 | -0.37241708902655224 | 1946257.9440909962 | 0.37898464182337455 | 1411370.282933347 AUTRES REVENUS Commissions | 199793.04589 | 0.14440654047835863 | 174582.2300233334 | 762159.3467599987 | 0.14192522664797805 | 667433.6716399996 | 0.07231110326185491 | 622425.4039800001 | 0.38508481317249577 | 449377.10533000005 Gains sur change | 82726.80373999997 | 0.32587344882124825 | 62394.19291 | 294367.51104674407 | 0.06385607562087767 | 276698.622861131 | -0.10133828014682043 | 307900.75592219183 | -0.2634857259213652 | 418051.30838417186 Autres | 61045.90431521536 | 0.42362956854354444 | 42880.469515443445 | 209067.66218229968 | -0.0964691029213711 | 231389.61031468277 | 1.405287595277137 | -570926.9491864359 | -3.4901587744964595 | 229273.31182 343565.7539452153 | 0.22764799872884803 | 279856.8924487768 | 1265594.5199890423 | 0.07662351063321278 | 1175521.9048158133 | 2.2707971241080926 | 359399.21071575605 | -0.6722908313646511 | 1096701.7255341718 PRODUIT NET BANCAIRE | 676169.6026849393 | 0.18270074678197748 | 571716.5601905098 | 2499812.3243139954 | 0.04290943020519491 | 2396960.130873638 | 0.0395995457852616 | 2305657.154806752 | -0.08070535972547532 | 2508072.0084675187 Dotation à la provision pour créances douteuses | 9690.058850497573 | 1.7502819969336596 | -12915.2223965123 | -110177.50237774235 | -6.453827551859867 | 20201.867648009804 | 1.0319787274132488 | -631728.3169823756 | -4.719491321520092 | 169842.66459430777 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 666479.5438344417 | 0.13999882265250718 | 584631.782587022 | 2609989.826691738 | 0.0981301157441136 | 2376758.2632256285 | -0.19085925696433284 | 2937385.4717891277 | 0.25624352439416026 | 2338229.343873211 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 236726.39897000004 | 0.05161238771992643 | 225108.03574999998 | 907237.3057400002 | 0.05846433003593184 | 857126.00793 | -0.1276990717956051 | 982603.57202 | 0.2891304210305672 | 762222.0032899999 Frais de locaux | 83648.77286 | -0.06274241583258339 | 89248.43530000001 | 354023.4686931417 | -0.20930527454583728 | 447737.2332157599 | 0.10107362378645891 | 406636.96190999995 | 0.31185426955200085 | 309971.1388284514 Amortissement | 24400.689579999995 | 0.013314501088860292 | 24080.07539 | 109648.67449 | 0.11163659846381861 | 98637.15772000002 | -0.05025161402318337 | 103856.09407332834 | 0.24535197758936964 | 83394.97262 Autres dépenses d'exploitation | 213232.245989884 | 0.09959214558151133 | 193919.39715713199 | 809285.2448915057 | -0.019822727592264628 | 825651.9179469999 | -0.1579535864765877 | 980530.1758749709 | 0.175190961738229 | 834358.166288707 558008.107399884 | 0.04818611327868386 | 532355.943597132 | 2180194.693814648 | -0.021962439546576815 | 2229152.3168127597 | -0.09883240539043223 | 2473626.803878299 | 0.2430621004510119 | 1989946.2810271583 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 108471.43643455766 | 1.0749822199034549 | 52275.838989890064 | 429795.13287709 | 1.9117738365018808 | 147605.9464128688 | -0.681718193909315 | 463758.6679108287 | 0.33155676340143475 | 348283.0628460529 Impôts sur le revenu | 32788.84285036735 | 1.090758272778648 | 15682.751696967101 | 128750.63385821017 | 5.590107589982024 | 19536.954761395842 | -0.7629137312526508 | 82404.4128098173 | -0.2113272067033035 | 104484.91885381544 BÉNÉFICE NET (PERTE NETTE) | 75682.59358419031 | 1.0682210543855146 | 36593.087292922966 | 301044.49901887984 | 1.3506431583231524 | 128068.99165147296 | -0.6641731672364568 | 381354.2551010114 | 0.5642213220177498 | 243798.14399223748 [capitalbkinfin ] CAPITAL BANK (CAPITALBK) INDICATEURS FINANCIERS Var.déc. 25 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 54871292 | 0 | 0 | 0 | 0 | 0 | 0 | 0.032095087896053635 | 53164958 | 0.017126888329653065 | 52269740 | 0.06799572554396131 | 48941900 | 0.06915401568401595 | 45776286 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 1500000 | 0 | 550000 | 0 | 0 Prêts nets | 12359578 | 0 | 0 | 0 | 0 | 0 | 0 | 0.022596852577702227 | 12086462 | 0.04470358295602645 | 11569274 | -0.09367812179521277 | 12765083 | -0.12027296239761653 | 14510277 Dépôts | 42795387 | 0 | 0 | 0 | 0 | 0 | 0 | 0.012245469399844272 | 42277677 | 0.04549715515424416 | 40437869 | 0.05873012714594621 | 38194690 | 0.031501297981876106 | 37028252 Avoir des Actionnaires | 6022719 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05437857125475504 | 5712103 | 0.05903396041153258 | 5393692 | 0.04438583450012131 | 5164463 | 0.10312056449761144 | 4681685 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 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. 25) | (oct. - déc. 24) | (janv. - mars 26) | (janv. - mars 25) | (avril - juin 26) | (avril - juin 25) | (juil. - sept. 26) | (juil. - sept. 25) | (oct. 25 - déc. 25) | (oct. 24- déc. 24) Résultats Revenus nets d'intérêt | 498841 | 0.1640178181826667 | 428551 | 0 | 0 | 424522 | 0 | 0 | 443271 | 0 | 0 | 498742 | 498841 | 0.1640178181826667 | 428551 Autres revenus | 706333 | 0.2954557542655606 | 545239 | 0 | 0 | 577054 | 0 | 0 | 631628 | 0 | 0 | 761089 | 706333 | 0.2954557542655606 | 545239 Dot. à la prov. pr créances douteuses | 13428 | -0.1133122028526149 | 15144 | 0 | 0 | 6508 | 0 | 0 | 8204 | 0 | 0 | 21033 | 13428 | -0.1133122028526149 | 15144 Dépenses d'exploitation | 763003 | -0.06349779131179754 | 814737 | 0 | 0 | 808981 | 0 | 0 | 783576 | 0 | 0 | 832404 | 763003 | -0.06349779131179754 | 814737 Bénéfice (perte) net | 310813 | 1.2909486253409008 | 135670 | 0 | 0 | 172859 | 0 | 0 | 244000 | 0 | 0 | 305168 | 310813 | 1.2909486253409008 | 135670 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 25) | (oct. - déc. 24) | (janv. - mars 26) | (janv. - mars 25) | (avril - juin 26) | (avril - juin 25) | (juil. - sept. 26) | (juil. - sept. 25) | (oct. 25 - déc. 25) | (oct. 24- déc. 24) | 2025 | 2024 | 2023 | 2022 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.10976083814465312 | 0.10375546089337621 | 0 | 0.09553559227411941 | 0 | 0.09915958354234825 | 0 | 0.10744112691671834 | 0.10976083814465312 | 0.10375546089337621 | 0.10744112691671834 | 0.1031895701030845 | 0.10552232340795924 | 0.10227315077505414 Dépôts en % de l'actif | 0.7799230789025343 | 0.7735330399712156 | 0 | 0.784097866853361 | 0 | 0.7807511420498926 | 0 | 0.7952169735561533 | 0.7799230789025343 | 0.7735330399712156 | 0.7952169735561533 | 0.7736382273950473 | 0.7804088112639681 | 0.8088959423226253 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.012882944480470502 | 0.025252646383929597 | 0 | 0.01813645517169242 | 0 | 0.017450730328672 | 0 | 0.008083713119960893 | 0.012882944480470502 | 0.025252646383929597 | 0.008083713119960893 | 0.013240075016499053 | 0.0074986244129951725 | 0.006870518254882838 Provisions pour créances douteuses en % des prêts improductifs bruts | 2.440719721162795 | 1.2231475464467216 | 0 | 1.8751841841208428 | 0 | 1.8472724638599765 | 0 | 3.9664553199920745 | 2.440719721162795 | 1.2231475464467216 | 3.9664553199920745 | 2.2618946595147778 | 4.463129196748624 | 3.231813411536236 Prêts improductifs nets en % de l'avoir des actionnaires | -0.039326091753575085 | -0.012169646998271267 | 0 | -0.03750406261246028 | 0 | -0.03461166076529494 | 0 | -0.05242097350135318 | -0.039326091753575085 | -0.012169646998271267 | -0.05242097350135318 | -0.03694352588171516 | -0.06640980872551512 | -0.048604081650089656 Rentabilité ROA (rendement de l'actif) | 0.02301546008862766 | 0.010307202125196627 | 0 | 0.012915179983761044 | 0 | 0.017979249514440524 | 0 | 0.02266956827206097 | 0.02301546008862766 | 0.010307202125196627 | 0.01626972934469827 | 0.016579160262594303 | 0.025372424256520285 | 0.028301767134140763 ROE (rendement avoir des action.) | 0.21189107086583844 | 0.09961097607669905 | 0 | 0.12966171381207905 | 0 | 0.1846758933341558 | 0 | 0.21956431842395 | 0.21189107086583844 | 0.09961097607669905 | 0.15445936108130937 | 0.15892966147968088 | 0.24407819179642637 | 0.27508870963298454 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8312894425919167 | 0.7556752658214456 | 0 | 0.7627509356465618 | 0 | 0.7851730221485355 | 0 | 0.8293264514069261 | 0.8312894425919167 | 0.7556752658214456 | 0.7840135289357013 | 0.7813907597271674 | 0.8223966371902904 | 0.7993268773615595 Rendement moyen des prêts | 0.15499384279597228 | 0.1504897486517485 | 0 | 0.15346975209035807 | 0 | 0.15208022612035077 | 0 | 0.15951375146386731 | 0.15499384279597228 | 0.1504897486517485 | 0.1543201959884209 | 0.16147344511706513 | 0.16463297582703698 | 0.14536228814988364 Rendement moyen des prêts productifs | 0.15664003076735375 | 0.15344124932434383 | 0 | 0.1568655547122441 | 0 | 0.15483430607354684 | 0 | 0.16158182936022947 | 0.15664003076735375 | 0.15344124932434383 | 0.15597394300143344 | 0.16314125046881425 | 0.1658212992370864 | 0.14619540671723333 Rémunération moyenne des dépôts | 0.009520287173387806 | 0.013607662388965084 | 0 | 0.012666833605643395 | 0 | 0.011421843714575584 | 0 | 0.009677293516324128 | 0.009520287173387806 | 0.013607662388965084 | 0.011957244409654262 | 0.013739245088030264 | 0.012338974989837543 | 0.012266024250557107 Dépenses d'exploitation en % du produit net bancaire | 0.6331060909047158 | 0.8366660162868791 | 0 | 0.8077080521098748 | 0 | 0.7289763968521694 | 0 | 0.6607267165199142 | 0.6331060909047158 | 0.8366660162868791 | 0.7516533274432866 | 0.7231875945464978 | 0.6275988950655973 | 0.5830335656071177 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 6297.447419986936 | 5152.328042328042 | 0 | 5123.150895140665 | 0 | 5494.691373801917 | 0 | 6485.616473616474 | 6297.447419986936 | 5152.328042328042 | 5735.324018629408 | 6045.573388203018 | 8537.203230735648 | 5034.915632754342 [capitalbkvar] CAPITAL BANK (CAPITALBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 25 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 ACTIF Disponibilités Encaisse | 1517270 | 0 | 0 | 0 | 0 | 0 | 0 | -0.3062608306013927 | 2187090 | 0.13949395420954572 | 1919352 | -0.04363970115609183 | 2006934 | 0.6036946119842358 | 1251444 Avoirs à la BRH | 20992155 | 0 | 0 | 0 | 0 | 0 | 0 | -0.003965792512973567 | 21075737 | 0.06739966477478908 | 19744935 | 0.10293504018003624 | 17902174 | 0.013660043287653393 | 17660925 Avoirs à l'étranger | 7880651 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05010324273876283 | 7504644 | -0.08656900626043329 | 8215885 | 0.19132538834619217 | 6896424 | 0.39151706995514773 | 4956047 Avoirs dans les banques locales | 95187 | 0 | 0 | 0 | 0 | 0 | 0 | 1.0154781062081817 | 47228 | 0.9353358193664714 | 24403 | -0.47794369330823205 | 46744 | 0.1998254575322775 | 38959 Autres liquidités | 272872 | 0 | 0 | 0 | 0 | 0 | 0 | -0.3876095470000112 | 445585 | 0.23826925481804667 | 359845 | -0.20034266742814985 | 449999 | 1.0439820492555347 | 220158 30758135 | 0 | 0 | 0 | 0 | 0 | 0 | -0.016063481700934003 | 31260284 | 0.03290543813494526 | 30264420 | 0.108494438650259 | 27302275 | 0.13158170791850124 | 24127533 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 1500000 | 1.7272727272727273 | 550000 | 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 | 7968701 | 0 | 0 | 0 | 0 | 0 | 0 | 0.2101174719030825 | 6585064 | 0.1951552488857123 | 5509798 | 0.08364640914402956 | 5084498 | 0.08714690162476622 | 4676919 Portefeuille net | 12359578 | 0 | 0 | 0 | 0 | 0 | 0 | 0.022596852577702227 | 12086462 | 0.04470358295602645 | 11569274 | -0.09367812179521277 | 12765083 | -0.12027296239761653 | 14510277 Immobilisations | 2190492 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0009623530766510113 | 2188386 | 0.1994948539894531 | 1824423 | 0.12251806595110426 | 1625295 | 0.17732684484417194 | 1380496 Autres actifs | 1594386 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5260757952528902 | 1044762 | -0.34776770246437655 | 1601825 | -0.008003720702102927 | 1614749 | 0.49367056993083647 | 1081061 54871292 | 0 | 0 | 0 | 0 | 0 | 0 | 0.032095087896053635 | 53164958 | 0.017126888329653065 | 52269740 | 0.06799572554396131 | 48941900 | 0.06915401568401595 | 45776286 PASSIF Dépôts À vue | 19454895 | 0 | 0 | 0 | 0 | 0 | 0 | -0.020673243838174177 | 19865581 | 0.03062273732656447 | 19275318 | 0.09186911653696439 | 17653506 | 0.0008623849414016491 | 17638295 Épargne | 13558125 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0529031996530841 | 12876896 | 0.17705921669399174 | 10939888 | 0.026711477043753935 | 10655270 | 0.1300746010635477 | 9428820 À terme | 9782367 | 0 | 0 | 0 | 0 | 0 | 0 | 0.025921532846715327 | 9535200 | -0.06724891547339475 | 10222663 | 0.03406351704050834 | 9885914 | -0.007551647969503883 | 9961137 42795387 | 0 | 0 | 0 | 0 | 0 | 0 | 0.012245469399844272 | 42277677 | 0.04549715515424416 | 40437869 | 0.05873012714594621 | 38194690 | 0.031501297981876106 | 37028252 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 650000 | 0 | 650000 | 1.1666666666666667 | 300000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4272247 | 0 | 0 | 0 | 0 | 0 | 0 | 0.3282867366484898 | 3216359 | -0.05996689208186494 | 3421538 | 0.3688676191889784 | 2499539 | 0.45143811784599375 | 1722112 4272247 | 0 | 0 | 0 | 0 | 0 | 0 | 0.3282867366484898 | 3216359 | -0.21003831967182918 | 4071538 | 0.29274093764198506 | 3149539 | 0.5575492356506464 | 2022112 Obligations à terme Banques locales | 290747 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04135013584447786 | 303288 | -0.17581423155835157 | 367985 | -0.15417024856455921 | 435058 | -0.13376128449062 | 502238 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | -73499 | 0 | 0 | 0 | 0 | 0 | 0 | -0.16809700899526397 | -62922 | -1.3010377146356515 | 209017 | -0.24792656906099214 | 277921 | 2.4908120329083716 | 79615 217248 | 0 | 0 | 0 | 0 | 0 | 0 | -0.09617832804972418 | 240366 | -0.5834225877899903 | 577002 | -0.19071669712572178 | 712979 | 0.22535932615282553 | 581853 Autres passifs | 1563691 | 0 | 0 | 0 | 0 | 0 | 0 | -0.09005890763378457 | 1718453 | -0.039776737096140616 | 1789639 | 0.040349279078541286 | 1720229 | 0.176318258405453 | 1462384 48848573 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02941272975040174 | 47452855 | 0.012304940894334778 | 46876048 | 0.07078100529274932 | 43777437 | 0.06528439100795747 | 41094601 AVOIR DES ACTIONNAIRES Capital versé | 2025000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2025000 | 0 | 2025000 | 0 | 2025000 | 0 | 2025000 Réserves | 811026 | 0 | 0 | 0 | 0 | 0 | 0 | 0.012170618290372581 | 801274 | 0.13421803228797305 | 706455 | 0.273708901565689 | 554644 | 0.25376143802669177 | 442384 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 1384 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 BNR | 3185309 | 0 | 0 | 0 | 0 | 0 | 0 | 0.10430568098889041 | 2884445 | 0.08403019633177781 | 2660853 | 0.0299670787149667 | 2583435 | 0.16743420562090672 | 2212917 6022719 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05437857125475504 | 5712103 | 0.05903396041153258 | 5393692 | 0.04438583450012131 | 5164463 | 0.10312056449761144 | 4681685 54871292 | 0 | 0 | 0 | 0 | 0 | 0 | 0.032095087896053635 | 53164958 | 0.017126888329653065 | 52269740 | 0.06799572554396131 | 48941900 | 0.06915401568401595 | 45776286 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 43467 | 0 | 0 | 0 | -0.08837901889641576 | 47681 | -0.6512175674983725 | 136707 | -0.5013768879778531 | 274169 | 323187 Portefeuille brut | 12760825 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02194222779893962 | 12486836 | 0.046987437914221365 | 11926443 | -0.09696656091285522 | 13207089 | -0.11002142012453955 | 14839783 Provisions pour créances douteuses | 401247 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0021804612687137525 | 400374 | 0.12096514535136028 | 357169 | -0.19193630855689742 | 442006 | 0.3414201865823384 | 329506 Portefeuille de crédit improductif | 164397 | 0 | 0 | 0 | 0 | 0 | 0 | 0.6286605904497722 | 100940 | -0.36076298074182905 | 157907 | 0.5944565052759125 | 99035 | -0.02865914061810371 | 101957 [capitalbkcomp ] CAPITAL BANK (CAPITALBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 25 | Comp. | Mars 26 | Comp. | Juin 26 | Comp. | Sept. 26 | Comp. | 2025 | Comp. | 2024 | Comp. | 2023 | Comp. | 2022 | Comp. ACTIF Disponibilités Encaisse | 1517270 | 0.02765143565418507 | 0 | 0 | 0 | 0 | 0 | 0 | 2187090 | 0.041137811112349605 | 1919352 | 0.03672013673685769 | 2006934 | 0.041006458678555596 | 1251444 | 0.027338259814262782 Avoirs à la BRH | 20992155 | 0.38257081681255106 | 0 | 0 | 0 | 0 | 0 | 0 | 21075737 | 0.3964215865645939 | 19744935 | 0.3777507789401669 | 17902174 | 0.3657842053536949 | 17660925 | 0.38580947785934405 Avoirs à l'étranger | 7880651 | 0.14362065686370207 | 0 | 0 | 0 | 0 | 0 | 0 | 7504644 | 0.14115771520030168 | 8215885 | 0.1571824348083614 | 6896424 | 0.14091042644441676 | 4956047 | 0.10826669074900484 Avoirs dans les banques locales | 95187 | 0.0017347322530696014 | 0 | 0 | 0 | 0 | 0 | 0 | 47228 | 0.0008883294895107413 | 24403 | 0.0004668666804158582 | 46744 | 0.0009550916494864319 | 38959 | 0.0008510738507706807 Autres liquidités | 272872 | 0.004972946509078008 | 0 | 0 | 0 | 0 | 0 | 0 | 445585 | 0.008381178444643932 | 359845 | 0.006884384731969204 | 449999 | 0.009194555176648229 | 220158 | 0.004809433425857222 30758135 | 0.5605505880925858 | 0 | 0 | 0 | 0 | 0 | 0 | 31260284 | 0.5879866208113999 | 30264420 | 0.579004601897771 | 27302275 | 0.5578507373028019 | 24127533 | 0.5270749356992396 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1500000 | 0.028697292161774673 | 550000 | 0.011237814633269243 | 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 | 7968701 | 0.14522532110233527 | 0 | 0 | 0 | 0 | 0 | 0 | 6585064 | 0.12386098377055052 | 5509798 | 0.10541085530557451 | 5084498 | 0.1038884473222331 | 4676919 | 0.10216903573173236 Portefeuille net | 12359578 | 0.22524671006470925 | 0 | 0 | 0 | 0 | 0 | 0 | 12086462 | 0.2273388798689543 | 11569274 | 0.22133789071841567 | 12765083 | 0.2608211573314481 | 14510277 | 0.3169824000138412 Immobilisations | 2190492 | 0.03992054715970603 | 0 | 0 | 0 | 0 | 0 | 0 | 2188386 | 0.04116218807132322 | 1824423 | 0.03490399990510762 | 1625295 | 0.03320866169887152 | 1380496 | 0.030157448771619435 Autres actifs | 1594386 | 0.029056833580663636 | 0 | 0 | 0 | 0 | 0 | 0 | 1044762 | 0.019651327477772106 | 1601825 | 0.030645360011356475 | 1614749 | 0.03299318171137614 | 1081061 | 0.023616179783567413 54871292 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 53164958 | 1 | 52269740 | 1 | 48941900 | 1 | 45776286 | 1 PASSIF Dépôts À vue | 19454895 | 0.35455507408136117 | 0 | 0 | 0 | 0 | 0 | 0 | 19865581 | 0.3736593001728695 | 19275318 | 0.3687662881047428 | 17653506 | 0.3607033237369207 | 17638295 | 0.3853151170892283 Épargne | 13558125 | 0.24708958921543164 | 0 | 0 | 0 | 0 | 0 | 0 | 12876896 | 0.2422064548607374 | 10939888 | 0.20929677476872852 | 10655270 | 0.21771263477715413 | 9428820 | 0.2059760811525863 À terme | 9782367 | 0.17827841560574154 | 0 | 0 | 0 | 0 | 0 | 0 | 9535200 | 0.17935121852254637 | 10222663 | 0.19557516452157597 | 9885914 | 0.20199285274989323 | 9961137 | 0.21760474408081076 42795387 | 0.7799230789025343 | 0 | 0 | 0 | 0 | 0 | 0 | 42277677 | 0.7952169735561533 | 40437869 | 0.7736382273950473 | 38194690 | 0.7804088112639681 | 37028252 | 0.8088959423226253 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 650000 | 0.012435493270102358 | 650000 | 0.013281053657500015 | 300000 | 0.00655361162327586 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4272247 | 0.07785942055091395 | 0 | 0 | 0 | 0 | 0 | 0 | 3216359 | 0.06049772483597184 | 3421538 | 0.06545925041907612 | 2499539 | 0.051071556273867585 | 1722112 | 0.037620177399276124 4272247 | 0.07785942055091395 | 0 | 0 | 0 | 0 | 0 | 0 | 3216359 | 0.06049772483597184 | 4071538 | 0.07789474368917848 | 3149539 | 0.0643526099313676 | 2022112 | 0.04417378902255198 Obligations à terme Banques locales | 290747 | 0.005298708840316718 | 0 | 0 | 0 | 0 | 0 | 0 | 303288 | 0.005704659824992244 | 367985 | 0.0070401153707671015 | 435058 | 0.00888927483403791 | 502238 | 0.010971575981502737 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | -73499 | -0.0013394800326553273 | 0 | 0 | 0 | 0 | 0 | 0 | -62922 | -0.0011835239294273494 | 209017 | 0.003998814610518438 | 277921 | 0.0056785903285324025 | 79615 | 0.0017392192979570251 217248 | 0.00395922880766139 | 0 | 0 | 0 | 0 | 0 | 0 | 240366 | 0.004521135895564895 | 577002 | 0.011038929981285538 | 712979 | 0.014567865162570312 | 581853 | 0.012710795279459763 Autres passifs | 1563691 | 0.02849743359423722 | 0 | 0 | 0 | 0 | 0 | 0 | 1718453 | 0.03232303879559164 | 1789639 | 0.03423852883140417 | 1720229 | 0.03514839023413476 | 1462384 | 0.031946322600308816 48848573 | 0.8902391618553469 | 0 | 0 | 0 | 0 | 0 | 0 | 47452855 | 0.8925588730832816 | 46876048 | 0.8968104298969155 | 43777437 | 0.8944776765920408 | 41094601 | 0.8977268492249458 AVOIR DES ACTIONNAIRES Capital versé | 2025000 | 0.03690454381865111 | 0 | 0 | 0 | 0 | 0 | 0 | 2025000 | 0.03808899839627448 | 2025000 | 0.03874134441839581 | 2025000 | 0.041375590240673124 | 2025000 | 0.04423687845711205 Réserves | 811026 | 0.014780515829661892 | 0 | 0 | 0 | 0 | 0 | 0 | 801274 | 0.015071468691840215 | 706455 | 0.013515563689431017 | 554644 | 0.011332702653554521 | 442384 | 0.009664043081170894 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 | 2.5222661059265745e-05 | 0 | 0 | 0 | 0 | 0 | 0 | 1384 | 2.6032184582935248e-05 | 1384 | 2.6478034901264095e-05 | 1384 | 2.827842809535388e-05 | 1384 | 3.02339949553793e-05 BNR | 3185309 | 0.05805055583528086 | 0 | 0 | 0 | 0 | 0 | 0 | 2884445 | 0.05425462764402071 | 2660853 | 0.05090618396035641 | 2583435 | 0.05278575208563623 | 2212917 | 0.048341995241815816 6022719 | 0.10976083814465312 | 0 | 0 | 0 | 0 | 0 | 0 | 5712103 | 0.10744112691671834 | 5393692 | 0.1031895701030845 | 5164463 | 0.10552232340795924 | 4681685 | 0.10227315077505414 54871292 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 53164958 | 1 | 52269740 | 1 | 48941900 | 1 | 45776286 | 1 [capitalbkgdes&$] CAPITAL BANK (CAPITALBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 25 | Septembre 25 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 458958 | 1058312 | 1517270 | 0.30248933940564304 | 610403 | 1576687 | 2187090 | 0.2790936815586007 Avoirs à la BRH | 14280658 | 6711497 | 20992155 | 0.680285468547655 | 13708722 | 7367015 | 21075737 | 0.6504504207848105 Avoirs à l'étranger | 7880651 | 0 | 7880651 | 1 | 7504644 | 0 | 7504644 | 1 Avoirs dans les banques locales | 1149 | 94038 | 95187 | 0.012070976078666204 | 1156 | 46072 | 47228 | 0.024477005166426695 Autres liquidités | 64731 | 208141 | 272872 | 0.23722111466181947 | 136591 | 308994 | 445585 | 0.30654308381116957 22686147 | 8071988 | 30758135 | 0.7375657529300785 | 21961516 | 9298768 | 31260284 | 0.7025373153999497 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 | 3274179 | 4694522 | 7968701 | 0.4108798912143899 | 3189261 | 3395803 | 6585064 | 0.48431738856296613 Portefeuille net | 7628475 | 4731103 | 12359578 | 0.6172116070629596 | 7185075 | 4901387 | 12086462 | 0.5944729731496281 Immobilisations | 0 | 2190492 | 2190492 | 0 | 0 | 2188386 | 2188386 | 0 Autres actifs | 370622 | 1223764 | 1594386 | 0.2324543742857752 | 244187 | 800575 | 1044762 | 0.2337250014835915 33959423 | 20911869 | 54871292 | 0.6188923526714115 | 32580039 | 20584919 | 53164958 | 0.6128103966526222 PASSIF Dépôts À vue | 14740860 | 4714035 | 19454895 | 0.7576941432991543 | 14358707 | 5506874 | 19865581 | 0.7227932070046177 Épargne | 9129098 | 4429027 | 13558125 | 0.6733304199511363 | 8669388 | 4207508 | 12876896 | 0.6732513798356374 À terme | 7113265 | 2669102 | 9782367 | 0.7271517210507437 | 6763034 | 2772166 | 9535200 | 0.7092702827418408 30983223 | 11812164 | 42795387 | 0.7239851108251457 | 29791129 | 12486548 | 42277677 | 0.7046538767964947 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 | 2062401 | 2209846 | 4272247 | 0.4827438582085727 | 1499914 | 1716445 | 3216359 | 0.46633911202076633 2062401 | 2209846 | 4272247 | 0.4827438582085727 | 1499914 | 1716445 | 3216359 | 0.46633911202076633 Obligations à terme Banques locales | 0 | 290747 | 290747 | 0 | 0 | 303288 | 303288 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | -73499 | -73499 | 0 | 0 | -62922 | -62922 | 0 0 | 217248 | 217248 | 0 | 0 | 240366 | 240366 | 0 Autres passifs | 902533 | 661158 | 1563691 | 0.5771811694254172 | 999404 | 719049 | 1718453 | 0.5815719138085242 33948157 | 14900416 | 48848573 | 0.6949672204344639 | 32290447 | 15162408 | 47452855 | 0.6804742728335313 AVOIR DES ACTIONNAIRES Capital versé | 0 | 2025000 | 2025000 | 0 | 0 | 2025000 | 2025000 | 0 Réserves | 0 | 811026 | 811026 | 0 | 0 | 801274 | 801274 | 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 | 3185309 | 3185309 | 0 | 0 | 2884445 | 2884445 | 0 0 | 6022719 | 6022719 | 0 | 0 | 5712103 | 5712103 | 0 33948157 | 20923135 | 54871292 | 0.6186870358365172 | 32290447 | 20874511 | 53164958 | 0.6073633501224622 *Converties au taux de 130.6244 Gdes | *Converties au taux de 131.4767 Gdes [CAPITALBKRÉSULT ] CAPITAL BANK (CAPITALBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2026 | 2025 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 | 489154 | 0 | 0 | 0 | 0 | 0 | 0 | 447883 | 0.031474737822154444 | 461980 | 0.02280618208580458 | 472516 | 0.06102650492258463 | 501352 Intérêts sur Bons B.R.H. | 5616 | 0 | 0 | 0 | 0 | 0 | 0 | 21194 | -0.39827309615929035 | 12753 | -0.22018348623853212 | 9945 | -0.46465560583207643 | 5324 Autres | 105311 | 0 | 0 | 0 | 0 | 0 | 0 | 98033 | -0.1652402762335132 | 81834 | 0.0031405039470146882 | 82091 | 0.15367092616730213 | 94706 600081 | 0 | 0 | 0 | 0 | 0 | 0 | 567110 | -0.018590749590026625 | 556567 | 0.014346880070144296 | 564552 | 0.06523756890419306 | 601382 Dépenses d'intérêt | 101240 | 0 | 0 | 0 | 0 | 0 | 0 | 138559 | -0.0470124640045035 | 132045 | -0.08151766443257981 | 121281 | -0.1537009094582004 | 102640 498841 | 0 | 0 | 0 | 0 | 0 | 0 | 428551 | -0.009401448135694468 | 424522 | 0.04416496671550591 | 443271 | 0.1251401512844287 | 498742 AUTRES REVENUS Commissions | 337688 | 0 | 0 | 0 | 0 | 0 | 0 | 312319 | -0.04858814225199235 | 297144 | 0.132225452979027 | 336434 | -0.0019260835706260365 | 335786 Gains sur change | 118791 | 0 | 0 | 0 | 0 | 0 | 0 | 117883 | 0.24419127439919242 | 146669 | -0.40030954053003703 | 87956 | 0.31892082404838784 | 116007 Autres | 249854 | 0 | 0 | 0 | 0 | 0 | 0 | 115037 | 0.15824473864930413 | 133241 | 0.5553620882461104 | 207238 | 0.4924675976413592 | 309296 706333 | 0 | 0 | 0 | 0 | 0 | 0 | 545239 | 0.058350558195580285 | 577054 | 0.09457347146020996 | 631628 | 0.20496399779617117 | 761089 PRODUIT NET BANCAIRE | 1205174 | 0 | 0 | 0 | 0 | 0 | 0 | 973790 | 0.028533872806251862 | 1001576 | 0.07320762478334146 | 1074899 | 0.17204593175730928 | 1259831 Dotation à la provisions pour créances douteuses | 13428 | 0 | 0 | 0 | 0 | 0 | 0 | 15144 | -0.5702588483888008 | 6508 | 0.2606023355869699 | 8204 | 1.5637493905411994 | 21033 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1191746 | 0 | 0 | 0 | 0 | 0 | 0 | 958646 | 0.03799316953286198 | 995068 | 0.07198201529945693 | 1066695 | 0.1613422768457713 | 1238798 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 302738 | 0 | 0 | 0 | 0 | 0 | 0 | 299121 | 0.04598807840305428 | 312877 | -0.007600430840234341 | 310499 | -0.006167491682742939 | 308584 Frais de locaux | 93915 | 0 | 0 | 0 | 0 | 0 | 0 | 89170 | 0.006246495458113716 | 89727 | -0.029277697905870027 | 87100 | 0.21569460390355913 | 105887 Amortissement | 32134 | 0 | 0 | 0 | 0 | 0 | 0 | 42024 | 0.06332095945174186 | 44685 | -0.3062101376300772 | 31002 | 0.011805689955486743 | 31368 Autres dépenses d'exploitation | 334216 | 0 | 0 | 0 | 0 | 0 | 0 | 384422 | -0.05912772942235356 | 361692 | -0.018571049401147937 | 354975 | 0.08899218254806676 | 386565 763003 | 0 | 0 | 0 | 0 | 0 | 0 | 814737 | -0.0070648565119787125 | 808981 | -0.03140370416610526 | 783576 | 0.06231431284265981 | 832404 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 428743 | 0 | 0 | 0 | 0 | 0 | 0 | 143909 | 0.293087993106755 | 186087 | 0.5214335230295507 | 283119 | 0.43541761591415623 | 406394 Impôts sur le revenu | 117930 | 0 | 0 | 0 | 0 | 0 | 0 | 8239 | 0.6055346522636242 | 13228 | 1.957287571817357 | 39119 | 1.587642833405762 | 101226 BÉNÉFICE NET | 310813 | 0 | 0 | 0 | 0 | 0 | 0 | 135670 | 0.27411365814107763 | 172859 | 0.41155508246605615 | 244000 | 0.25068852459016394 | 305168 0 | 0 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 (oct.25- déc. 25) | 2025 (oct.24-déc. 24) | 2025 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 | 489154 | 0.09214683298986566 | 447883 | 0 | 0 | 461980 | 0 | 0 | 472516 | 0 | 0 | 501352 | 489154 | 0.09214683298986566 | 447883 | 1883731 Intérêts sur Bons B.R.H. | 5616 | -0.7350193450976692 | 21194 | 0 | 0 | 12753 | 0 | 0 | 9945 | 0 | 0 | 5324 | 5616 | -0.7350193450976692 | 21194 | 49216 Autres | 105311 | 0.07424030683545337 | 98033 | 0 | 0 | 81834 | 0 | 0 | 82091 | 0 | 0 | 94706 | 105311 | 0.07424030683545337 | 98033 | 356664 600081 | 0.05813863271675689 | 567110 | 0 | 0 | 556567 | 0 | 0 | 564552 | 0 | 0 | 601382 | 600081 | 0.05813863271675689 | 567110 | 2289611 Dépenses d'intérêt | 101240 | -0.2693365281215944 | 138559 | 0 | 0 | 132045 | 0 | 0 | 121281 | 0 | 0 | 102640 | 101240 | -0.2693365281215944 | 138559 | 494525 498841 | 0.1640178181826667 | 428551 | 0 | 0 | 424522 | 0 | 0 | 443271 | 0 | 0 | 498742 | 498841 | 0.1640178181826667 | 428551 | 1795086 AUTRES REVENUS Commissions | 337688 | 0.08122784716908032 | 312319 | 0 | 0 | 297144 | 0 | 0 | 336434 | 0 | 0 | 335786 | 337688 | 0.08122784716908032 | 312319 | 1281683 Gains sur change | 118791 | 0.007702552530899282 | 117883 | 0 | 0 | 146669 | 0 | 0 | 87956 | 0 | 0 | 116007 | 118791 | 0.007702552530899282 | 117883 | 468515 Autres | 249854 | 1.1719446786686023 | 115037 | 0 | 0 | 133241 | 0 | 0 | 207238 | 0 | 0 | 309296 | 249854 | 1.1719446786686023 | 115037 | 764812 706333 | 0.2954557542655606 | 545239 | 0 | 0 | 577054 | 0 | 0 | 631628 | 0 | 0 | 761089 | 706333 | 0.2954557542655606 | 545239 | 2515010 PRODUIT NET BANCAIRE | 1205174 | 0.23761180542005977 | 973790 | 0 | 0 | 1001576 | 0 | 0 | 1074899 | 0 | 0 | 1259831 | 1205174 | 0.23761180542005977 | 973790 | 4310096 Dotation à la provisions pour créances douteuses | 13428 | -0.1133122028526149 | 15144 | 0 | 0 | 6508 | 0 | 0 | 8204 | 0 | 0 | 21033 | 13428 | -0.1133122028526149 | 15144 | 50889 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1191746 | 0.243155450499976 | 958646 | 0 | 0 | 995068 | 0 | 0 | 1066695 | 0 | 0 | 1238798 | 1191746 | 0.243155450499976 | 958646 | 4259207 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 302738 | 0.012092096509439324 | 299121 | 0 | 0 | 312877 | 0 | 0 | 310499 | 0 | 0 | 308584 | 302738 | 0.012092096509439324 | 299121 | 1231081 Frais de locaux | 93915 | 0.053212964001345744 | 89170 | 0 | 0 | 89727 | 0 | 0 | 87100 | 0 | 0 | 105887 | 93915 | 0.053212964001345744 | 89170 | 371884 Amortissement | 32134 | -0.23534170949933372 | 42024 | 0 | 0 | 44685 | 0 | 0 | 31002 | 0 | 0 | 31368 | 32134 | -0.23534170949933372 | 42024 | 149079 Autres dépenses d'exploitation | 334216 | -0.13060126631670405 | 384422 | 0 | 0 | 361692 | 0 | 0 | 354975 | 0 | 0 | 386565 | 334216 | -0.13060126631670405 | 384422 | 1487654 763003 | -0.06349779131179754 | 814737 | 0 | 0 | 808981 | 0 | 0 | 783576 | 0 | 0 | 832404 | 763003 | -0.06349779131179754 | 814737 | 3239698 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 428743 | 1.9792646742038371 | 143909 | 0 | 0 | 186087 | 0 | 0 | 283119 | 0 | 0 | 406394 | 428743 | 1.9792646742038371 | 143909 | 1019509 Impôts sur le revenu | 117930 | 13.313630294938706 | 8239 | 0 | 0 | 13228 | 0 | 0 | 39119 | 0 | 0 | 101226 | 117930 | 13.313630294938706 | 8239 | 161812 BÉNÉFICE NET | 310813 | 1.2909486253409008 | 135670 | 0 | 0 | 172859 | 0 | 0 | 244000 | 0 | 0 | 305168 | 310813 | 1.2909486253409008 | 135670 | 857697 [CAPITALBKVARAN ] CAPITAL BANK (CAPITALBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2026 | Var. | 2025 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 489154 | 0.09214683298986566 | 447883 | 1883731 | -0.07168739980652464 | 2029199 | -0.12107184933642884 | 2308720 | 0.1772402529359364 | 1961129 Intérêts sur Bons B.R.H. | 5616 | -0.7350193450976692 | 21194 | 49216 | 0.4720784853288667 | 33433 | 0.14394717032779034 | 29226 | 2.3975819576842596 | 8602 Autres | 105311 | 0.07424030683545337 | 98033 | 356664 | -0.12653856891662218 | 408334 | 0.48427339180755125 | 275107 | 1.5391757810697309 | 108345 600081 | 0.05813863271675689 | 567110 | 2289611 | -0.0733943728889835 | 2470966 | -0.05437585843073217 | 2613053 | 0.25743861148485425 | 2078076 Dépenses d'intérêt | 101240 | -0.2693365281215944 | 138559 | 494525 | -0.08451134445069755 | 540176 | 0.1639541723857811 | 464087 | 0.11288110231311178 | 417014 498841 | 0.1640178181826667 | 428551 | 1795086 | -0.07028418419403457 | 1930790 | -0.10152603624254641 | 2148966 | 0.293730155767816 | 1661062 AUTRES REVENUS Commissions | 337688 | 0.08122784716908032 | 312319 | 1281683 | 0.08446446188966863 | 1181858 | 0.020535785216168886 | 1158076 | 0.24118979204468846 | 933037 Gains sur change | 118791 | 0.007702552530899282 | 117883 | 468515 | -0.20333314062037702 | 588094 | -0.3048443892296472 | 845989 | 0.013057353443062683 | 835085 Autres | 249854 | 1.1719446786686023 | 115037 | 764812 | 0.08256556085726297 | 706481 | -0.039565787774356466 | 735585 | 0.16952960293056135 | 628958 706333 | 0.2954557542655606 | 545239 | 2515010 | 0.015577647366191615 | 2476433 | -0.09607687113317395 | 2739650 | 0.1429113755068667 | 2397080 PRODUIT NET BANCAIRE | 1205174 | 0.23761180542005977 | 973790 | 4310096 | -0.02203814057060421 | 4407223 | -0.09847224654176151 | 4888616 | 0.2046438986117292 | 4058142 Dotation à la provisions pour créances douteuses | 13428 | -0.1133122028526149 | 15144 | 50889 | -0.7090910130279939 | 174931 | -0.30374058683988475 | 251244 | 0.32872872661117164 | 189086 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1191746 | 0.243155450499976 | 958646 | 4259207 | 0.006359438337430404 | 4232292 | -0.08735119804923996 | 4637372 | 0.19857970523042312 | 3869056 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 302738 | 0.012092096509439324 | 299121 | 1231081 | 0.05271704554005705 | 1169432 | 0.08447126749095603 | 1078343 | 0.2510389137289752 | 861958 Frais de locaux | 93915 | 0.053212964001345744 | 89170 | 371884 | 0.001119881120311844 | 371468 | 0.09071156341940372 | 340574 | 0.1562754630887066 | 294544 Amortissement | 32134 | -0.23534170949933372 | 42024 | 149079 | 0.06367995205274199 | 140154 | 0.22616204299099762 | 114303 | 0.18800798220633172 | 96214 Autres dépenses d'exploitation | 334216 | -0.13060126631670405 | 384422 | 1487654 | -0.012309827080822868 | 1506195 | -0.018682363978708295 | 1534870 | 0.37864597414752493 | 1113317 763003 | -0.06349779131179754 | 814737 | 3239698 | 0.01645588405549739 | 3187249 | 0.03883816967559622 | 3068090 | 0.296723249422134 | 2366033 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 428743 | 1.9792646742038371 | 143909 | 1019509 | -0.024433444365447164 | 1045043 | -0.3340629663757056 | 1569282 | 0.0440838230685758 | 1503023 Impôts sur le revenu | 117930 | 13.313630294938706 | 8239 | 161812 | -0.21466115967210408 | 206041 | -0.43959887615695725 | 367667 | 0.2062723920261421 | 304796 BÉNÉFICE NET | 310813 | 1.2909486253409008 | 135670 | 857697 | 0.022282426025206137 | 839002 | -0.3017713660365425 | 1201615 | 0.0028275109808074766 | 1198227 [cbnainfin] CITIBANK N.A. (CBNA) INDIfATEURS FINANfIERS Var.déc. 25 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 3082081 | -0.4737907920930693 | 5857140 | 0.03589703319955601 | 5654172 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 | 0 | -1 | 13861 | -0.856610839272968 | 96667 | 0 | 96667 Dépôts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 1939482 | -0.5521170201268633 | 4330332 | 0.05926694562634569 | 4088046 Avoir des Actionnaires | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 631224 | 0.13080023647014563 | 558210 | 0.18472659665684718 | 471172 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 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. 25) | (oct. - déc. 24) | (janv. - mars 26) | (janv. - mars 25) | (avril - juin 26) | (avril - juin 25) | (juil. - sept. 26) | (juil. - sept. 25) | (oct. 25 - déc. 25) | (oct. 24- déc. 24) Résultats Revenus nets d'intérêt | 0 | 0 | 5961 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 5961 Autres revenus | 0 | 0 | 36203 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 36203 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 | 90695 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 90695 Bénéfice (perte) net | 0 | 0 | -48531 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | -48531 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 25) | (oct. - déc. 24) | (janv. - mars 26) | (janv. - mars 25) | (avril - juin 26) | (avril - juin 25) | (juil. - sept. 26) | (juil. - sept. 25) | (oct. 25 - déc. 25) | (oct. 24- déc. 24) | 2025 | 2024 | 2023 | 2022 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0 | 0.5004471610433299 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5004471610433299 | 0 | 0.20480448112817282 | 0.09530419283131357 | 0.08333174158833513 Dépôts en % de l'actif | 0 | 2.579775249980222e-06 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.579775249980222e-06 | 0 | 0.6292767776057799 | 0.7393253362562616 | 0.7230140858820708 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 | -0.09146065239990926 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0.09146065239990926 | -0.06298471714403353 | 0.020165963007291128 | 0.015602589496314581 | 0.0009988419942406658 ROE (rendement avoir des action.) | 0 | -0.32002242023096134 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0.32002242023096134 | -0.3075358351393483 | 0.1515577997602221 | 0.17447971277912377 | 0.012278570359045997 Revenus nets d'intérêt en % des revenus d'intérêt | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0.9871134020618557 | 0.9565935768131906 | 0.9076769866143347 Rendement moyen des prêts | 0 | 0.05425293990332588 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05425293990332588 | 0.02712646995166294 | 0.33978720324261724 | 0.24691983820745445 | 0.20038562638480795 Rendement moyen des prêts productifs | 0 | 0.05425293990332588 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05425293990332588 | 0.02712646995166294 | 0.33978720324261724 | 0.24691983820745445 | 0.20038562638480795 Rémunération moyenne des dépôts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0003014443490668144 | 0.0008987479535844078 | 0.0007300827203178639 Dépenses d'exploitation en % du produit net bancaire | 0 | 2.1510055971919173 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.1510055971919173 | 2.1510055971919173 | 0.6238246768940396 | 0.6724850101443621 | 0.9954206864714064 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 0 | 16865.6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 16865.6 | 15332.363636363636 | 24826 | 26287.17948717949 | 13348.217391304348 [cbnavar] CITIBANK N.A. (CBNA) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 25 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 ACTIF Disponibilités Encaisse | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 63 | -0.6037735849056604 | 159 | -0.9886217260626878 | 13974 Avoirs à la BRH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2402006 | -0.5030048269656244 | 4833057 | 0.2199600065831123 | 3961652 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 415913 | -0.3134517326589667 | 605803 | -0.47939727943887245 | 1163657 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4538 | 0 | 0 Autres liquidités | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7881 | -0.9371696443519648 | 125433 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2817982 | -0.4830754747646401 | 5451438 | 0.03546668044392138 | 5264716 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 | 13861 | -0.856610839272968 | 96667 | 0 | 96667 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 240556 | -0.07827652930245033 | 260985 | -0.014641531659763727 | 264863 Autres actifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9682 | -0.7985015608740895 | 48050 | 0.7206187781995274 | 27926 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3082081 | -0.4737907920930693 | 5857140 | 0.03589703319955601 | 5654172 PASSIF Dépôts À vue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1935043 | -0.47943406728360205 | 3717191 | 0.11021771932318727 | 3348164 Épargne | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9 | -0.9999852147313846 | 608714 | -0.17233343032504916 | 735458 À terme | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4430 | 0.0006776598147729839 | 4427 | 0.000678119349005425 | 4424 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1939482 | -0.5521170201268633 | 4330332 | 0.05926694562634569 | 4088046 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 399360 | -0.5326356884893282 | 854494 | -0.15584604183358047 | 1012249 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 399360 | -0.5326356884893282 | 854494 | -0.15584604183358047 | 1012249 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 112015 | -0.018307859496599594 | 114104 | 0.3796505652620761 | 82705 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 112015 | -0.018307859496599594 | 114104 | 0.3796505652620761 | 82705 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 | 2450857 | -0.5374807744204962 | 5298930 | 0.022367354813814393 | 5183000 AVOIR DES ACTIONNAIRES Capital versé | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 133333 | 0.2840605949709641 | 103837 | 0 | 103837 Réserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 74036 | 0.24875185535015518 | 59288 | 0 | 59288 Réserves (Prov. Pour pertes sur prêts) | 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 | 423855 | 0.07281977296024907 | 395085 | 0.28254779303158284 | 308047 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 631224 | 0.13080023647014563 | 558210 | 0.18472659665684718 | 471172 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3082081 | -0.4737907920930693 | 5857140 | 0.03589703319955601 | 5654172 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 | 0 | 117292.29325 | 15890.1345 Portefeuille brut | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 13861 | -0.856610839272968 | 96667 | 0 | 96667 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. 25 | Comp. | Mars 26 | Comp. | Juin 26 | Comp. | Sept. 26 | Comp. | 2025 | Comp. | 2024 | Comp. | 2023 | Comp. | 2022 | Comp. ACTIF Disponibilités Encaisse | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 63 | 2.0440734685428448e-05 | 159 | 2.714635470553888e-05 | 13974 | 0.002471449400548834 Avoirs à la BRH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2402006 | 0.7793455136318611 | 4833057 | 0.8251564756860857 | 3961652 | 0.7006599728483676 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 415913 | 0.13494551246381908 | 605803 | 0.10342983094138095 | 1163657 | 0.20580502326423744 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4538 | 0.0007747808657467638 | 0 | 0 Autres liquidités | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7881 | 0.0013455372417254838 | 125433 | 0.022184150040005856 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2817982 | 0.9143114668303656 | 5451438 | 0.9307337710896444 | 5264716 | 0.9311205955531597 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 | 13861 | 0.004497286086900376 | 96667 | 0.016504130002014634 | 96667 | 0.017096579304626745 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 240556 | 0.07804986306330042 | 260985 | 0.04455843636996896 | 264863 | 0.04684381727333374 Autres actifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9682 | 0.003141384019433623 | 48050 | 0.00820366253837197 | 27926 | 0.004939007868879829 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3082081 | 1 | 5857140 | 1 | 5654172 | 1 PASSIF Dépôts À vue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1935043 | 0.6278365169507226 | 3717191 | 0.6346426754354514 | 3348164 | 0.5921581444639463 Épargne | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9 | 2.920104955061207e-06 | 608714 | 0.1039268311838201 | 735458 | 0.1300735103212283 À terme | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4430 | 0.0014373405501023496 | 4427 | 0.0007558296369900668 | 4424 | 0.0007824310968962387 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1939482 | 0.6292767776057799 | 4330332 | 0.7393253362562616 | 4088046 | 0.7230140858820708 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 | 399360 | 0.12957479053924928 | 854494 | 0.14588929067770276 | 1012249 | 0.1790269202988519 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 399360 | 0.12957479053924928 | 854494 | 0.14588929067770276 | 1012249 | 0.1790269202988519 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 | 112015 | 0.0363439507267979 | 114104 | 0.019481180234722065 | 82705 | 0.014627252230742184 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 112015 | 0.0363439507267979 | 114104 | 0.019481180234722065 | 82705 | 0.014627252230742184 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 | 2450857 | 0.7951955188718272 | 5298930 | 0.9046958071686865 | 5183000 | 0.9166682584116649 AVOIR DES ACTIONNAIRES Capital versé | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 133333 | 0.04326070599701955 | 103837 | 0.017728276940622897 | 103837 | 0.01836466948653136 Réserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 74036 | 0.024021432272545724 | 59288 | 0.010122346401144585 | 59288 | 0.01048570860596388 Réserves (Prov. Pour pertes sur prêts) | 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 | 423855 | 0.13752234285860754 | 395085 | 0.06745356948954609 | 308047 | 0.05448136349583989 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 631224 | 0.20480448112817282 | 558210 | 0.09530419283131357 | 471172 | 0.08333174158833513 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3082081 | 1 | 5857140 | 1 | 5654172 | 1 [cbnagdes&$] CITIBANK N.A. (CBNA) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 25 | Septembre 25 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 | 0 | 0 | 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 | 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 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 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 *Converties au taux de 130.6244 Gdes | *Converties au taux de 131.4767 Gdes [CBNARÉSULT ] CITIBANK N.A. (CBNA) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2026 | 2025 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 | 94 | 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 | 5867 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5961 | 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 | 5961 | 0 | 0 | 0 | 0 | 0 | 0 AUTRES REVENUS Commissions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2626 | 0 | 0 | 0 | 0 | 0 | 0 Gains sur change | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5719 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 27858 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 36203 | 0 | 0 | 0 | 0 | 0 | 0 PRODUIT NET BANCAIRE | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 42164 | 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 | 42164 | 0 | 0 | 0 | 0 | 0 | 0 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 16745 | 0 | 0 | 0 | 0 | 0 | 0 Frais de locaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 658 | 0 | 0 | 0 | 0 | 0 | 0 Amortissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8397 | 0 | 0 | 0 | 0 | 0 | 0 Autres dépenses d'exploitation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 64895 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 90695 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -48531 | 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 | -48531 | 0 | 0 | 0 | 0 | 0 | 0 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 (oct.25- déc. 25) | 2025 (oct.24-déc. 24) | 2025 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 | 0 | 0 | 94 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 94 | 94 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 5867 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 5867 | 5867 0 | 0 | 5961 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 5961 | 5961 Dépenses d'intérêt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 5961 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 5961 | 5961 AUTRES REVENUS Commissions | 0 | 0 | 2626 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 2626 | 2626 Gains sur change | 0 | 0 | 5719 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 5719 | 5719 Autres | 0 | 0 | 27858 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 27858 | 27858 0 | 0 | 36203 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 36203 | 36203 PRODUIT NET BANCAIRE | 0 | 0 | 42164 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 42164 | 42164 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 | 42164 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 42164 | 42164 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 0 | 0 | 16745 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 16745 | 16745 Frais de locaux | 0 | 0 | 658 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 658 | 658 Amortissement | 0 | 0 | 8397 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 8397 | 8397 Autres dépenses d'exploitation | 0 | 0 | 64895 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 64895 | 64895 0 | 0 | 90695 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 90695 | 90695 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 0 | 0 | -48531 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | -48531 | -48531 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET | 0 | 0 | -48531 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | -48531 | -48531 [CBNAVARAN ] CITIBANK N.A. (CBNA) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2026 | Var. | 2025 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 0 | -1 | 94 | 94 | -0.9949941420811588 | 18778 | -0.21328920356948344 | 23869 | -0.12172057254295912 | 27177 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | -1 | 5867 | 5867 | -0.8924551820214833 | 54554 | -0.13794956071044814 | 63284 | 8.087306145893164 | 6964 0 | -1 | 5961 | 5961 | -0.91871215840288 | 73332 | -0.15858318130184848 | 87153 | 1.5527371781728714 | 34141 Dépenses d'intérêt | 0 | 0 | 0 | 0 | -1 | 945 | -0.7501982553528945 | 3783 | 0.20019035532994925 | 3152 0 | -1 | 5961 | 5961 | -0.9176509594264164 | 72387 | -0.13173803526448363 | 83370 | 1.6903094646487464 | 30989 AUTRES REVENUS Commissions | 0 | -1 | 2626 | 2626 | -0.9604309500489716 | 66365 | -0.13510660480633896 | 76732 | 0.1173044440561477 | 68676 Gains sur change | 0 | -1 | 5719 | 5719 | -0.9067853242710218 | 61353 | -0.3167589117676537 | 89797 | -0.45779997101729303 | 165616 Autres | 0 | -1 | 27858 | 27858 | -0.8110796899477143 | 147459 | 0.09593388380614042 | 134551 | 2.224477569018405 | 41728 0 | -1 | 36203 | 36203 | -0.8684374057424857 | 275177 | -0.08603361232894911 | 301080 | 0.09079052242591117 | 276020 PRODUIT NET BANCAIRE | 0 | -1 | 42164 | 42164 | -0.8786870907228597 | 347564 | -0.09594485628820393 | 384450 | 0.252243419574019 | 307009 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 | -1 | 42164 | 42164 | -0.8786870907228597 | 347564 | -0.09594485628820393 | 384450 | 0.252243419574019 | 307009 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 0 | -1 | 16745 | 16745 | -0.7901497587568144 | 79795 | -0.15748073065146237 | 94710 | -0.3218142239280497 | 139652 Frais de locaux | 0 | -1 | 658 | 658 | -0.5168869309838473 | 1362 | -0.7796829505014559 | 6182 | -0.507410358565737 | 12550 Amortissement | 0 | -1 | 8397 | 8397 | -0.40455254573819316 | 14102 | -0.2928492628623007 | 19942 | -0.09817754262198707 | 22113 Autres dépenses d'exploitation | 0 | -1 | 64895 | 64895 | -0.46614840408028957 | 121560 | -0.11722967771298427 | 137702.86215 | 0.048860118710845814 | 131288.10953289998 0 | -1 | 90695 | 90695 | -0.5817017881274242 | 216819 | -0.16136136952801647 | 258536.86215 | -0.15401102251491658 | 305603.1095329 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 0 | 1 | -48531 | -48531 | -1.3711881907529924 | 130745 | 0.03837456704284652 | 125913.13785 | 88.56112926046471 | 1405.89046710002 Impôts sur le revenu | 0 | 0 | 0 | 0 | -1 | 40611 | 0.12464691221268347 | 36110 | 9.16045197740113 | -4425 BÉNÉFICE NET | 0 | 1 | -48531 | -48531 | -1.5384316684048196 | 90134 | 0.003684305002266698 | 89803.13785 | 14.401273331526562 | 5830.89046710002 [scotiainfin] SCOTIA BANK (SCOTIA) INDICATEURS FINANCIERS Var.déc. 25 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 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 2026 | (1er octobre au 31 décembre 2018) et deuxième trimestre de l'exercice fiscal 2014-2015 (1er octobre au 31 décembre 2017). | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 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. 25) | (oct. - déc. 24) | (janv. - mars 26) | (janv. - mars 25) | (avril - juin 26) | (avril - juin 25) | (juil. - sept. 26) | (juil. - sept. 25) | (oct. 25 - déc. 25) | (oct. 24- déc. 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 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 25) | (oct. - déc. 24) | (janv. - mars 26) | (janv. - mars 25) | (avril - juin 26) | (avril - juin 25) | (juil. - sept. 26) | (juil. - sept. 25) | (oct. 25 - déc. 25) | (oct. 24- déc. 24) | 2025 | 2024 | 2023 | 2022 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dépôts en % de l'actif | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Provisions pour créances douteuses en % des prêts improductifs bruts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts improductifs nets en % de l'avoir des actionnaires | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rentabilité ROA (rendement de l'actif) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ROE (rendement avoir des action.) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Revenus nets d'intérêt en % des revenus d'intérêt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rendement moyen des prêts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rendement moyen des prêts productifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rémunération moyenne des dépôts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dépenses d'exploitation en % du produit net bancaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [scotiavar] SCOTIA BANK (SCOTIA) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 25 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 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. 25 | Comp. | Mars 26 | Comp. | Juin 26 | Comp. | Sept. 26 | Comp. | 2025 | Comp. | 2024 | Comp. | 2023 | Comp. | 2022 | Comp. ACTIF Disponibilités Encaisse | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs à la BRH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres actifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 PASSIF Dépôts À vue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Épargne | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 À terme | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 AVOIR DES ACTIONNAIRES Capital versé | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Réserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [scotiagdes&$] SCOTIA BANK (SCOTIA) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 25 | Septembre 25 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 130.6244 Gdes | *Converties au taux de 131.4767 Gdes [SCOTIARÉSULT ] SCOTIA BANK (SCOTIA) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2026 | 2025 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 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 (oct.25- déc. 25) | 2025 (oct.24-déc. 24) | 2025 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dépenses d'intérêt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 AUTRES REVENUS Commissions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Gains sur change | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 PRODUIT NET BANCAIRE | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Frais de locaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Amortissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres dépenses d'exploitation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [SCOTIAVARAN ] SCOTIA BANK (SCOTIA) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2026 | Var. | 2025 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dépenses d'intérêt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 AUTRES REVENUS Commissions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Gains sur change | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 PRODUIT NET BANCAIRE | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Frais de locaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Amortissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres dépenses d'exploitation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [sogebkinfin ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) INDICATEURS FINANCIERS Var.déc. 25 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 190856035.68743 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02432531193132262 | 186323654.66746 | 0.10321681073885296 | 168891239.55850002 | 0.013082441273120924 | 166710262.341787 | 0.06202066338369159 | 156974593.89408997 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 2500000 | 0 | 2000000 | 0 | 0 Prêts nets | 25695359.87946 | 0 | 0 | 0 | 0 | 0 | 0 | 0.002403432256194656 | 25633750.89570999 | -0.09904214403107348 | 28451664.77642 | -0.19078982727626773 | 35159796.225317 | -0.12030655994000224 | 39968237.37019 Dépôts | 158374930.96248522 | 0 | 0 | 0 | 0 | 0 | 0 | 0.020125277818161695 | 155250472.0804651 | 0.10275224182380885 | 140784544.51718095 | 0.012398050291787057 | 139060465.8677532 | 0.07521841674094484 | 129332295.37609139 Avoir des Actionnaires | 14128307.568380002 | 0 | 0 | 0 | 0 | 0 | 0 | 0.042773432726447826 | 13548779.749249998 | 0.13874064109590373 | 11898038.289220005 | 0.07222872113814521 | 11096548.763020003 | 0.14670716197788877 | 9676881.012829997 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 TRIM 1 | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 25) | (oct. - déc. 24) | (janv. - mars 26) | (janv. - mars 25) | (avril - juin 26) | (avril - juin 25) | (juil. - sept. 26) | (juil. - sept. 25) | (oct. 25 - déc. 25) | (oct. 24- déc. 24) Résultats Revenus nets d'intérêt | 1231761.8007999999 | 0.10304091245290407 | 1116696.38623 | 0 | 0 | 1089103.88862 | 0 | 0 | 1028191.7309599998 | 0 | 0 | 1496233.28589 | 1231761.8007999999 | 0.10304091245290407 | 1116696.38623 Autres revenus | 1097777.29433 | 0.22346687346501623 | 897267.68917 | 0 | 0 | 1012227.54895 | 0 | 0 | 978483.5290999999 | 0 | 0 | 1326288.22706 | 1097777.29433 | 0.22346687346501623 | 897267.68917 Dot. à la prov. pr créances douteuses | 167288.88843 | 0.03175993680818001 | 162139.35283 | 0 | 0 | 170392.9889 | 0 | 0 | 196758.03565 | 0 | 0 | 401521.4742 | 167288.88843 | 0.03175993680818001 | 162139.35283 Dépenses d'exploitation | 1514402.0536500001 | 0.06886850415833459 | 1416827.27834 | 0 | 0 | 1371512.2740299997 | 0 | 0 | 1448818.96865 | 0 | 0 | 1669377.5259500002 | 1514402.0536500001 | 0.06886850415833459 | 1416827.27834 Bénéfice (perte) net | 504904.15304999985 | 0.4514009940809933 | 347873.64423000003 | 0 | 0 | 446718.17464000033 | 0 | 0 | 290653.25575999985 | 0 | 0 | 627143.5127999997 | 504904.15304999985 | 0.4514009940809933 | 347873.64423000003 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 25) | (oct. - déc. 24) | (janv. - mars 26) | (janv. - mars 25) | (avril - juin 26) | (avril - juin 25) | (juil. - sept. 26) | (juil. - sept. 25) | (oct. 25 - déc. 25) | (oct. 24- déc. 24) | 2025 | 2024 | 2023 | 2022 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.07402599303444773 | 0.07288604032709904 | 0 | 0.07179548919268354 | 0 | 0.0724016826994399 | 0 | 0.07271636966026188 | 0.07402599303444773 | 0.07288604032709904 | 0.07271636966026188 | 0.07044793039782742 | 0.0665618817170956 | 0.06164616052046577 Dépôts en % de l'actif | 0.8298135837939129 | 0.8360104878157932 | 0 | 0.8335576168146381 | 0 | 0.8311039756067652 | 0 | 0.833230071391351 | 0.8298135837939129 | 0.8360104878157932 | 0.833230071391351 | 0.833581095651894 | 0.8341446046233999 | 0.823905908387642 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.05700704010162909 | 0.046094988796859554 | 0 | 0.14147773268616623 | 0 | 0.1662321713291186 | 0 | 0.048277693551566886 | 0.05700704010162909 | 0.046094988796859554 | 0.048277693551566886 | 0.04302645831229958 | 0.06593237986314099 | 0.04079652422411654 Provisions pour créances douteuses en % des prêts improductifs bruts | 1.843869115411449 | 1.7146754948367653 | 0 | 0.6236273722992238 | 0 | 0.5884445177105606 | 0 | 2.2109606580035774 | 1.843869115411449 | 1.7146754948367653 | 2.2109606580035774 | 1.764311866663446 | 1.1536180332051817 | 1.623604489028084 Prêts improductifs nets en % de l'avoir des actionnaires | -0.09776878141522406 | -0.07996897376773829 | 0 | 0.12399227035829077 | 0 | 0.14738333271993798 | 0 | -0.1238256672511685 | -0.09776878141522406 | -0.07996897376773829 | -0.1238256672511685 | -0.08509915239870834 | -0.034734093928777805 | -0.11253186734818964 Rentabilité ROA (rendement de l'actif) | 0.010709042209031634 | 0.008078775261767104 | 0 | 0.01013223174586759 | 0 | 0.00650649495052729 | 0 | 0.013686613060238923 | 0.010709042209031634 | 0.008078775261767104 | 0.00964142334831665 | 0.005506599521324792 | 0.008059505370615635 | 0.010610589707617024 ROE (rendement avoir des action.) | 0.14594141276661912 | 0.11268931876953858 | 0 | 0.14006712629977996 | 0 | 0.09024109622750869 | 0 | 0.18862052082193834 | 0.14594141276661912 | 0.11268931876953858 | 0.13458567470724586 | 0.08036774330939671 | 0.12558060298029225 | 0.16021732726987387 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8077662294479568 | 0.818201502633546 | 0 | 0.8107059294775598 | 0 | 0.7951724037944936 | 0 | 0.8463501343887745 | 0.8077662294479568 | 0.818201502633546 | 0.8199202763945953 | 0.8193643220552945 | 0.8541600717358953 | 0.8647163500819798 Rendement moyen des prêts | 0.08688199603514973 | 0.0913683387912954 | 0 | 0.08607083234465929 | 0 | 0.07842336610472915 | 0 | 0.13402766559196325 | 0.08688199603514973 | 0.0913683387912954 | 0.09672748639105988 | 0.10268870381728357 | 0.12657315104814376 | 0.11372415049100124 Rendement moyen des prêts productifs | 0.09170994071401738 | 0.09563035708041806 | 0 | 0.0948587119820368 | 0 | 0.09264798533752479 | 0 | 0.15002820812647297 | 0.09170994071401738 | 0.09563035708041806 | 0.10134472525397784 | 0.10874447708593747 | 0.1336042442954118 | 0.11750112390798706 Rémunération moyenne des dépôts | 0.0074773804503292865 | 0.006902343800572187 | 0 | 0.006909443754940971 | 0 | 0.00712332603247317 | 0 | 0.007123456719753742 | 0.0074773804503292865 | 0.006902343800572187 | 0.00701878477992364 | 0.006989950791366009 | 0.006881152859044764 | 0.006267652596267851 0 | 0 Dépenses d'exploitation en % du produit net bancaire | 0.6500865586741694 | 0.7035017633363689 | 0 | 0.6526872674669684 | 0 | 0.7219997163899255 | 0 | 0.591448999871475 | 0.6500865586741694 | 0.7035017633363689 | 0.6603545352963377 | 0.7138131971722493 | 0.6065682084627226 | 0.5359345416190119 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 8696.366197405505 | 7411.091353817847 | 0 | 7859.117111061244 | 0 | 7622.69804391263 | 0 | 10788.424320879121 | 8696.366197405505 | 7411.091353817847 | 7625.060903664954 | 7466.291546319158 | 10872.419978493872 | 7090.885999235667 [sogebkvar] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 25 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 ACTIF Disponibilités Encaisse | 4565955.685880001 | 0 | 0 | 0 | 0 | 0 | 0 | -0.1421663646578105 | 5322658.72748 | 0.002364455230967329 | 5310103.22613 | 0.16195542583776648 | 4569971.5394 | -0.11146491787137973 | 5143265.169060001 Avoirs à la BRH | 76299645.91617 | 0 | 0 | 0 | 0 | 0 | 0 | -0.008662475661020958 | 76966365.18127 | 0.16393166071449866 | 66126189.17336 | -0.014817820840273378 | 67120772.75876 | 0.1601690088360362 | 57854305.92229 Avoirs à l'étranger | 7145115.85936 | 0 | 0 | 0 | 0 | 0 | 0 | 0.293682136207857 | 5523084.581120001 | -0.24468368309445596 | 7312280.24273 | 0.02336693093433904 | 7145316.13412 | 0.0888848924278543 | 6562049.10529 Avoirs dans les banques locales | 7042.36 | 0 | 0 | 0 | 0 | 0 | 0 | 0.006438188389538161 | 6997.31 | 0.011996771935508237 | 6914.36 | -0.8757545487657772 | 55650.81 | 3.6235293091351384 | 12036.435 Autres liquidités | 27436.467589999986 | 0 | 0 | 0 | 0 | 0 | 0 | -0.6848849304731509 | 87068.09113 | -0.7140286661022638 | 304464.40187999996 | -0.7321223229098978 | 1136579.96884 | 1.6127093511605382 | 435019.67348 88045196.289 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0015814861669714336 | 87906173.891 | 0.11189258695194748 | 79059951.4041 | -0.01209996855318906 | 80028291.21112001 | 0.1431522739677196 | 70006676.30512 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 2500000 | 0.25 | 2000000 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6250000 Autres Placements | 65714131.60536 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06732143363609276 | 61569204.49118 | 0.29187320807122896 | 47658860.10059999 | 0.2210411566515723 | 39031329.81307 | 0.3405770391772633 | 29115320.248230003 Portefeuille net | 25695359.87946 | 0 | 0 | 0 | 0 | 0 | 0 | 0.002403432256194656 | 25633750.89570999 | -0.09904214403107348 | 28451664.77642 | -0.19078982727626773 | 35159796.225317 | -0.12030655994000224 | 39968237.37019 Immobilisations | 6060815.354739999 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0017982392723819075 | 6049936.122009999 | -0.04526891927318621 | 6336796.02994 | 0.0027997319192920715 | 6319104.23212 | 0.5505054763234207 | 4075512.3594299997 Autres actifs | 5340532.55887 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0340672379147636 | 5164589.267559999 | 0.05745780139436655 | 4883967.24744 | 0.17072642121224285 | 4171740.8601599997 | -0.44809829820846586 | 7558847.611119999 190856035.68743 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02432531193132262 | 186323654.66746 | 0.10321681073885296 | 168891239.55850002 | 0.013082441273120924 | 166710262.341787 | 0.06202066338369159 | 156974593.89408997 PASSIF Dépôts À vue | 77055503.36917594 | 0 | 0 | 0 | 0 | 0 | 0 | 0.028247502599778544 | 74938673.00854316 | 0.08577347639776345 | 69018699.23841283 | 0.03241622552923189 | 66851621.98321013 | 0.08647774222137691 | 61530595.04608671 Épargne | 54323358.650683485 | 0 | 0 | 0 | 0 | 0 | 0 | 0.018249876357592797 | 53349732.62653852 | 0.13384291417559524 | 47052137.43415994 | 0.02072080721671632 | 46096970.985103056 | 0.069010465830524 | 43121159.669180505 À terme | 26996068.942625783 | 0 | 0 | 0 | 0 | 0 | 0 | 0.001261123560808233 | 26962066.445383433 | 0.09097617463604435 | 24713707.84460818 | -0.05354518460687706 | 26111872.899440005 | 0.057994363182156485 | 24680540.660824187 158374930.96248522 | 0 | 0 | 0 | 0 | 0 | 0 | 0.020125277818161695 | 155250472.0804651 | 0.10275224182380885 | 140784544.51718095 | 0.012398050291787057 | 139060465.8677532 | 0.07521841674094484 | 129332295.37609139 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 | 11577689.99808 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05074138418721468 | 11018591.417750001 | 0.034308497407488814 | 10653099.57848 | 0.04731050199171946 | 10171863.605129998 | 0.23526255220300799 | 8234576.19353 11577689.99808 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05074138418721468 | 11018591.417750001 | 0.034308497407488814 | 10653099.57848 | 0.04731050199171946 | 10171863.605129998 | 0.23526255220300799 | 8234576.19353 Obligations à terme Banques locales | 2186287.30489 | 0 | 0 | 0 | 0 | 0 | 0 | -0.048442555703317694 | 2297588.35685 | 0.07128678068213672 | 2144699.62505 | -0.1408324184705552 | 2496252.96759 | -0.45758820846830206 | 4602136.24881 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.6 | 0.21369042802815752 | 0.49436 Autres | 535316.12218 | 0 | 0 | 0 | 0 | 0 | 0 | -0.09267519687717209 | 589993.9253700003 | 1.7268727146116865 | 216362.8401900002 | -0.736668413801826 | 821636.49 | -0.29662051672247025 | 1168126.89243 2721603.4270699997 | 0 | 0 | 0 | 0 | 0 | 0 | -0.05748021664075129 | 2887582.2822200004 | 0.22300122285264476 | 2361062.4652400003 | -0.28838435745065233 | 3317890.0575900003 | -0.42500199867471017 | 5770263.6356 Autres passifs | 4053503.73303 | 0 | 0 | 0 | 0 | 0 | 0 | 0.12030045108421279 | 3618229.1358600003 | 0.13264521093439022 | 3194494.71108 | 0.0427618460306377 | 3063494.0501900003 | -0.22650322736233205 | 3960577.67603 176727728.1206652 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02287863444430294 | 172774874.9162951 | 0.10052456741087408 | 156993201.27198094 | 0.008864820841144391 | 155613713.5806632 | 0.05645709316692521 | 147297712.8812514 AVOIR DES ACTIONNAIRES Capital versé | 5986922.95602 | 0 | 0 | 0 | 0 | 0 | 0 | 0.9956409853400001 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 Réserves | 1734836.8717 | 0 | 0 | 0 | 0 | 0 | 0 | -0.44659421060450266 | 3134836.8682500003 | -0.04199496958562714 | 3272255.1226 | 0.3450571415487236 | 2432800.08077 | 0.14124785359506264 | 2131701.77986 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 6406547.7406600015 | 0 | 0 | 0 | 0 | 0 | 0 | -0.135878459884239 | 7413942.880999999 | 0.31785080608684896 | 5625783.166620005 | -0.006703248636187028 | 5663748.682250003 | 0.2461001848213346 | 4545179.232969996 14128307.568380002 | 0 | 0 | 0 | 0 | 0 | 0 | 0.042773432726447826 | 13548779.749249998 | 0.13874064109590373 | 11898038.289220005 | 0.07222872113814521 | 11096548.763020003 | 0.14670716197788877 | 9676881.012829997 190856035.6890452 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0243253119505186 | 186323654.6655451 | 0.10321681070987221 | 168891239.56120095 | 0.013082441277799192 | 166710262.3436832 | 0.06202066339582934 | 156974593.89408138 Hors-bilan Effets à l'encaissement | 2716.103059494 | 0 | 0 | 0 | 2714.254796944 | 2603.8385049639996 | 14643.749763997997 | 68846.26846022 Crédit documentaire | 1884354.006948028 | 0 | 0 | 0 | 1308559.3611024148 | 1654805.912489959 | 2652074.614870218 | 2379243.015726165 Autres | 8011546.02292482 | 0 | 0 | 0 | 8784287.766926413 | 9921335.216337316 | 10656889.848709445 | 10341156.048350725 Portefeuille brut | 28713541.29388 | 0 | 0 | 0 | 0 | 0 | 0 | 0.00058144716338323 | 28696855.58859999 | -0.06794848439693084 | 30788915.750040002 | -0.19092003414663733 | 38054230.792337 | -0.11095362048337364 | 42803425.86067 Provisions pour créances douteuses | 3018181.4144200003 | 0 | 0 | 0 | 0 | 0 | 0 | -0.014665929824166639 | 3063104.6928900005 | 0.3105587407867361 | 2337250.9736200003 | -0.19250170646409007 | 2894434.56702 | 0.02089669760544541 | 2835188.49048 Portefeuille de crédit improductif | 1636874 | 0 | 0 | 0 | 0 | 0 | 0 | 0.18150190050944914 | 1385418 | 0.04580528376177025 | 1324738 | -0.47200684255039643 | 2509006 | 0.43681219724080034 | 1746231 [sogebkcomp ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 25 | Comp. | Mars 26 | Comp. | Juin 26 | Comp. | Sept. 26 | Comp. | 2025 | Comp. | 2024 | Comp. | 2023 | Comp. | 2022 | Comp. ACTIF Disponibilités Encaisse | 4565955.685880001 | 0.02392355929134873 | 0 | 0 | 0 | 0 | 0 | 0 | 5322658.72748 | 0.028566736397370385 | 5310103.22613 | 0.03144096307192241 | 4569971.5394 | 0.027412658796197618 | 5143265.169060001 | 0.03276495285937888 Avoirs à la BRH | 76299645.91617 | 0.3997759129877766 | 0 | 0 | 0 | 0 | 0 | 0 | 76966365.18127 | 0.41307887245253566 | 66126189.17336 | 0.3915311969183305 | 67120772.75876 | 0.40261932178566157 | 57854305.92229 | 0.3685584048162853 Avoirs à l'étranger | 7145115.85936 | 0.037437201467716466 | 0 | 0 | 0 | 0 | 0 | 0 | 5523084.581120001 | 0.028938485289327204 | 7312280.24273 | 0.04329579356421974 | 7145316.13412 | 0.04286068556158093 | 6562049.10529 | 0.04180325581678131 Avoirs dans les banques locales | 7042.36 | 3.689880686578579e-05 | 0 | 0 | 0 | 0 | 0 | 0 | 6997.31 | 3.755459827410753e-05 | 6914.36 | 4.093971965671449e-05 | 55650.81 | 0.0003338175419933387 | 12036.435 | 7.66775992306177e-05 Autres liquidités | 27436.467589999986 | 0.00014375478088067081 | 0 | 0 | 0 | 0 | 0 | 0 | 87068.09113 | 0.0004672948868751756 | 304464.40187999996 | 0.0018027246568614384 | 1136579.96884 | 0.006817696480554988 | 435019.67348 | 0.002771274399814697 88045196.289 | 0.4613173273345883 | 0 | 0 | 0 | 0 | 0 | 0 | 87906173.891 | 0.4717928813058654 | 79059951.4041 | 0.4681116179309908 | 80028291.21112001 | 0.4800441801659885 | 70006676.30512 | 0.44597456549149084 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2500000 | 0.014802425552297861 | 2000000 | 0.011996861932228434 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6250000 | 0 Autres Placements | 65714131.60536 | 0.3443125671591638 | 0 | 0 | 0 | 0 | 0 | 0 | 61569204.49118 | 0.33044223290416486 | 47658860.10059999 | 0.2821866914186041 | 39031329.81307 | 0.23412673739933612 | 29115320.248230003 | 0.18547791413860243 Portefeuille net | 25695359.87946 | 0.13463215762032266 | 0 | 0 | 0 | 0 | 0 | 0 | 25633750.89570999 | 0.13757647112203586 | 28451664.77642 | 0.16846145987675698 | 35159796.225317 | 0.21090361044020725 | 39968237.37019 | 0.2546159628682103 Immobilisations | 6060815.354739999 | 0.031755953291757344 | 0 | 0 | 0 | 0 | 0 | 0 | 6049936.122009999 | 0.03247003786399309 | 6336796.02994 | 0.0375199805893134 | 6319104.23212 | 0.03790471050405201 | 4075512.3594299997 | 0.025962878822159776 Autres actifs | 5340532.55887 | 0.027981994594167996 | 0 | 0 | 0 | 0 | 0 | 0 | 5164589.267559999 | 0.027060130684146578 | 4883967.24744 | 0.02891782463203668 | 4171740.8601599997 | 0.021858050467904355 | 7558847.611119999 | 0.04815331846770005 190856035.68743 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 186323654.66746 | 1 | 168891239.55850002 | 1 | 166710262.341787 | 1 | 156974593.89408997 | 1 PASSIF Dépôts À vue | 77055503.36917594 | 0.4037362669282924 | 0 | 0 | 0 | 0 | 0 | 0 | 74938673.00854316 | 0.40219623827307116 | 69018699.23841283 | 0.40865766287721716 | 66851621.98321013 | 0.4010048394390496 | 61530595.04608671 | 0.3919780489293772 Épargne | 54323358.650683485 | 0.2846300273136255 | 0 | 0 | 0 | 0 | 0 | 0 | 53349732.62653852 | 0.28632828570131974 | 47052137.43415994 | 0.27859430457825596 | 46096970.985103056 | 0.27650949820111076 | 43121159.669180505 | 0.27470152079688864 À terme | 26996068.942625783 | 0.1414472895519949 | 0 | 0 | 0 | 0 | 0 | 0 | 26962066.445383433 | 0.14470554741696012 | 24713707.84460818 | 0.14632912819642088 | 26111872.899440005 | 0.15663026698323954 | 24680540.660824187 | 0.1572263386613762 158374930.96248522 | 0.8298135837939129 | 0 | 0 | 0 | 0 | 0 | 0 | 155250472.0804651 | 0.833230071391351 | 140784544.51718095 | 0.833581095651894 | 139060465.8677532 | 0.8341446046233999 | 129332295.37609139 | 0.823905908387642 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 | 11577689.99808 | 0.06066190129318777 | 0 | 0 | 0 | 0 | 0 | 0 | 11018591.417750001 | 0.05913683604701381 | 10653099.57848 | 0.06307668536466636 | 10171863.605129998 | 0.061015221632101976 | 8234576.19353 | 0.052458018773954146 11577689.99808 | 0.06066190129318777 | 0 | 0 | 0 | 0 | 0 | 0 | 11018591.417750001 | 0.05913683604701381 | 10653099.57848 | 0.06307668536466636 | 10171863.605129998 | 0.061015221632101976 | 8234576.19353 | 0.052458018773954146 Obligations à terme | 0 Banques locales | 2186287.30489 | 0.011455164606219426 | 0 | 0 | 0 | 0 | 0 | 0 | 2297588.35685 | 0.012331168369097348 | 2144699.62505 | 0.012698702612737504 | 2496252.96759 | 0.014973601100046365 | 4602136.24881 | 0.029317713998451494 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.6 | 3.59905857966853e-09 | 0.49436 | 3.149299435891788e-09 Autres | 535316.12218 | 0.002804816312210851 | 0 | 0 | 0 | 0 | 0 | 0 | 589993.9253700003 | 0.003166500391069445 | 216362.8401900002 | 0.001281077933678479 | 821636.49 | 0.004928529764505394 | 1168126.89243 | 0.00744150287923745 2721603.4270699997 | 0.014259980918430277 | 0 | 0 | 0 | 0 | 0 | 0 | 2887582.2822200004 | 0.015497668760166793 | 2361062.4652400003 | 0.013979780546415984 | 3317890.0575900003 | 0.01990213446361034 | 5770263.6356 | 0.03675922002698838 0 Autres passifs | 4053503.73303 | 0.021238540968484387 | 0 | 0 | 0 | 0 | 0 | 0 | 3618229.1358600003 | 0.01941905413092939 | 3194494.71108 | 0.018914508055188385 | 3063494.0501900003 | 0.01837615757516636 | 3960577.67603 | 0.02523069229089507 176727728.1206652 | 0.9259740069740152 | 0 | 0 | 0 | 0 | 0 | 0 | 172774874.9162951 | 0.9272836303294609 | 156993201.27198094 | 0.9295520696181647 | 155613713.5806632 | 0.9334381182942786 | 147297712.8812514 | 0.9383538394794796 AVOIR DES ACTIONNAIRES | 0 Capital versé | 5986922.95602 | 0.03136879027407309 | 0 | 0 | 0 | 0 | 0 | 0 | 3000000 | 0.01610101522189564 | 3000000 | 0.017762910662757432 | 3000000 | 0.01799529289834265 | 3000000 | 0.019111372901681696 Réserves | 1734836.8717 | 0.00908976687822013 | 0 | 0 | 0 | 0 | 0 | 0 | 3134836.8682500003 | 0.01682468537795097 | 3272255.1226 | 0.019374925136164723 | 2432800.08077 | 0.014592983338855935 | 2131701.77986 | 0.013579915876694349 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 | 6406547.7406600015 | 0.03356743588215452 | 0 | 0 | 0 | 0 | 0 | 0 | 7413942.880999999 | 0.03979066906041527 | 5625783.166620005 | 0.03331009459890526 | 5663748.682250003 | 0.03397360547989701 | 4545179.232969996 | 0.028954871742089723 14128307.568380002 | 0.07402599303444773 | 0 | 0 | 0 | 0 | 0 | 0 | 13548779.749249998 | 0.07271636966026188 | 11898038.289220005 | 0.07044793039782742 | 11096548.763020003 | 0.0665618817170956 | 9676881.012829997 | 0.06164616052046577 190856035.6890452 | 1.000000000008463 | 0 | 0 | 0 | 0 | 0 | 0 | 186323654.6655451 | 0.9999999999897228 | 168891239.56120095 | 1.000000000015992 | 166710262.3436832 | 1.0000000000113742 | 156974593.89408138 | 0.9999999999999454 [sogebkgdes&$ ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 25 | Septembre 25 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 954032.9203700001 | 3611922.7655100003 | 4565955.685880001 | 0.20894484879042982 | 884050.0393299999 | 4438608.68815 | 5322658.72748 | 0.1660918132447224 Avoirs à la BRH | 50880810.38771 | 25418835.528460003 | 76299645.91617 | 0.6668551311969713 | 49728571.21436 | 27237793.96691 | 76966365.18127 | 0.6461078303131508 Avoirs à l'étranger | 7145115.85936 | 0 | 7145115.85936 | 1 | 5523084.581120001 | 0 | 5523084.581120001 | 1 Avoirs dans les banques locales | 0 | 7042.36 | 7042.36 | 0 | 0 | 6997.31 | 6997.31 | 0 Autres liquidités | 123570.37001999999 | -96133.90243 | 27436.467589999986 | 4.503873161319017 | 79783.71855 | 7284.37258 | 87068.09113 | 0.9163370588988357 59103529.53746 | 28941666.75154 | 88045196.289 | 0.6712862487518145 | 56215489.55335999 | 31690684.33764 | 87906173.89099999 | 0.6394942137177404 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 | 39068958.78456 | 26645172.8208 | 65714131.60536 | 0.59452902792941 | 39884844.02835 | 21684360.46283 | 61569204.49118 | 0.6478050895405615 Portefeuille net | 15529959.75077 | 10165400.12869 | 25695359.87946 | 0.6043877113853589 | 15985776.72144999 | 9647974.17426 | 25633750.89570999 | 0.623622223157569 Immobilisations | 0 | 6060815.354739999 | 6060815.354739999 | 0 | 0 | 6049936.122009999 | 6049936.122009999 | 0 Autres actifs | 1534052.2066 | 3806480.35227 | 5340532.55887 | 0.28724704693581893 | 1444691.2287399997 | 3719898.03882 | 5164589.26756 | 0.2797301302960228 | #REF! 115236500.27938999 | 75619535.40804 | 190856035.68743 | 0.6037875609452346 | 113530801.53189999 | 72792853.13555999 | 186323654.66745996 | 0.609320387873045 | #REF! #REF! PASSIF | #REF! Dépôts | #REF! À vue | 48875227.730145946 | 28180275.63902999 | 77055503.36917594 | 0.6342860093455338 | 46868228.234593175 | 28070444.773949996 | 74938673.00854316 | 0.625421112397468 Épargne | 37059116.69100349 | 17264241.95968 | 54323358.650683485 | 0.6821948718102174 | 36867108.72396852 | 16482623.902570002 | 53349732.62653852 | 0.6910458011485738 À terme | 20803323.957835782 | 6192744.984790002 | 26996068.942625783 | 0.770605676035599 | 21369828.484033428 | 5592237.961350005 | 26962066.445383433 | 0.7925886736953898 106737668.37898521 | 51637262.58349999 | 158374930.9624852 | 0.6739555795245683 | 105105165.44259512 | 50145306.63787 | 155250472.08046514 | 0.6770038379536774 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 | 6300755.967699999 | 5276934.030379999 | 11577689.998079998 | 0.5442152941342265 | 6150610.330190001 | 4867981.08756 | 11018591.417750001 | 0.5582029587086692 6300755.967699999 | 5276934.030379999 | 11577689.998079998 | 0.5442152941342265 | 6150610.330190001 | 4867981.08756 | 11018591.417750001 | 0.5582029587086692 Obligations à terme Banques locales | 0 | 2186287.30489 | 2186287.30489 | 0 | 0 | 2297588.35685 | 2297588.35685 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - Autres | 344429.32567 | 190886.79650999978 | 535316.1221799997 | 0.6434129505895693 | 431408.56740000006 | 158585.35797000024 | 589993.9253700003 | 0.7312084902051368 344429.32567 | 2377174.1013999996 | 2721603.4270699997 | 0.12655382567650672 | 431408.56740000006 | 2456173.7148200003 | 2887582.2822200004 | 0.14940130712684976 Autres passifs | 1867314.6203700001 | 2186189.11266 | 4053503.7330300002 | 0.46066680663303095 | 1772758.39065 | 1845470.74521 | 3618229.13586 | 0.4899519417054944 115250168.29272522 | 61477559.827939995 | 176727728.12066522 | 0.6521340455077617 | 113459942.73083512 | 59314932.185459994 | 172774874.9162951 | 0.6566923737366529 AVOIR DES ACTIONNAIRES Capital versé | 0 | 5986922.95602 | 5986922.95602 | 0 | 0 | 3000000 | 3000000 | 0 Réserves | 0 | 1734836.8717 | 1734836.8717 | 0 | 0 | 3134836.8682500003 | 3134836.8682500003 | 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 | 6406547.7406600015 | 6406547.7406600015 | 0 | 0 | 7413942.880999999 | 7413942.880999999 | 0 0 | 14128307.568380002 | 14128307.568380002 | 0 | 0 | 13548779.749249998 | 13548779.749249998 | 0 115250168.29272522 | 75605867.39632 | 190856035.68904522 | 0.6038591751978865 | 113459942.73083512 | 72863711.93471 | 186323654.6655451 | 0.6089400883344529 *Converties au taux de 130.6244 Gdes | *Converties au taux de 131.4767 Gdes [SOGEBKRÉSULT] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2026 | 2025 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 | 623491.2342899999 | 0 | 0 | 0 | 0 | 0 | 0 | 706462.74569 | 0.08215449431076136 | 652829.84029 | 0.15365895675697763 | 565877.6681499998 | -0.405455984699376 | 951784.31468 Intérêts sur bons B.R.H. | 577789.6470199999 | 0 | 0 | 0 | 0 | 0 | 0 | 370706.62691999995 | -0.073962547269766 | 400314.93955999997 | -0.045520839947910965 | 419406.68410000013 | -0.14136822890850975 | 488459.31191999983 Autres | 323617.97667 | 0 | 0 | 0 | 0 | 0 | 0 | 287648.93026000005 | -0.008985802276367728 | 290257.12338 | -0.05686623044358549 | 307758.17042 | -0.06063024489820909 | 327621.9707400001 1524898.8579799999 | 0 | 0 | 0 | 0 | 0 | 0 | 1364818.30287 | 0.015941915512035207 | 1343401.90323 | 0.03894642262499864 | 1293042.5226699999 | -0.26858550524680014 | 1767865.5973399999 Dépenses d'intérêt | 293137.05718 | 0 | 0 | 0 | 0 | 0 | 0 | 248121.91664 | -0.02428685091966544 | 254298.01460999998 | -0.03984423467970925 | 264850.79171 | -0.024965806548564114 | 271632.31145000004 1231761.8007999999 | 0 | 0 | 0 | 0 | 0 | 0 | 1116696.38623 | 0.025335046452696377 | 1089103.88862 | 0.05924202250014978 | 1028191.7309599998 | -0.31281322193791217 | 1496233.28589 AUTRES REVENUS Commissions | 500484.22213999997 | 0 | 0 | 0 | 0 | 0 | 0 | 456038.47297 | -0.007226030867168291 | 459357.8066599999 | -0.038602321939517036 | 477802.07623 | -0.22547506453049895 | 616896.95754 Gains sur change | 300735.85547 | 0 | 0 | 0 | 0 | 0 | 0 | 243157.41275999998 | -0.11285616705572679 | 274090.17989 | 0.030370134906925556 | 266011.37844 | -0.04420278726140343 | 278313.6159999999 Autres | 296557.21672 | 0 | 0 | 0 | 0 | 0 | 0 | 198071.80344000002 | -0.28950385840766346 | 278779.5624 | 0.18796383849597956 | 234670.07442999998 | -0.4556199503412386 | 431077.65352000005 1097777.29433 | 0 | 0 | 0 | 0 | 0 | 0 | 897267.68917 | -0.11357116282722167 | 1012227.54895 | 0.03448603767611446 | 978483.5290999999 | -0.2622391504831368 | 1326288.22706 PRODUIT NET BANCAIRE | 2329539.09513 | 0 | 0 | 0 | 0 | 0 | 0 | 2013964.0754 | -0.041577145141383574 | 2101331.43757 | 0.04717065057510605 | 2006675.2600599998 | -0.28904872793593217 | 2822521.51295 Dotation à la provision pour créances douteuses | 167288.88843 | 0 | 0 | 0 | 0 | 0 | 0 | 162139.35283 | -0.04843882440986988 | 170392.9889 | -0.1339973061984572 | 196758.03565 | -0.5099688353106768 | 401521.4742 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2162250.2067 | 0 | 0 | 0 | 0 | 0 | 0 | 1851824.72257 | -0.040971645758305954 | 1930938.44867 | 0.0668656127627334 | 1809917.2244099998 | -0.2524092542582162 | 2421000.03875 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 658480.44101 | 0 | 0 | 0 | 0 | 0 | 0 | 591604.32877 | -0.0036287204446674055 | 593758.9138799999 | -0.07086552717862386 | 639045.18802 | -0.02711114881363806 | 656853.2337900001 Frais de locaux | 56893.886179999994 | 0 | 0 | 0 | 0 | 0 | 0 | 51615.41166 | 0.009504587969893133 | 51129.447329999995 | -0.06704946238665108 | 54804.02794 | -0.11994813379940629 | 62273.634139999995 Amortissement | 95213.9515 | 0 | 0 | 0 | 0 | 0 | 0 | 93650.60009 | 0.05023660996806315 | 89170.95366999999 | 0.03873093291783768 | 85846.05584 | -0.082141725426748 | 93528.66147 Autres dépenses d'exploitation | 703813.7749600001 | 0 | 0 | 0 | 0 | 0 | 0 | 679956.93782 | 0.06667782784580098 | 637452.9591499999 | -0.04733166356100493 | 669123.69685 | -0.21897219921451086 | 856721.99655 1514402.0536500001 | 0 | 0 | 0 | 0 | 0 | 0 | 1416827.27834 | 0.03304017409691007 | 1371512.2740299997 | -0.05335842247567622 | 1448818.96865 | -0.13212023875455373 | 1669377.5259500002 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 647848.1530499998 | 0 | 0 | 0 | 0 | 0 | 0 | 434997.44423 | -0.2224220747090931 | 559426.1746400003 | 0.5492353278267205 | 361098.25575999985 | -0.5195749866315074 | 751622.5127999997 Impôts sur le revenu | 142944 | 0 | 0 | 0 | 0 | 0 | 0 | 87123.8 | -0.22699542179792026 | 112708 | 0.5999432181134218 | 70445 | -0.4340812506527205 | 124479 BÉNÉFICE NET (PERTE NETTE) | 504904.15304999985 | 0 | 0 | 0 | 0 | 0 | 0 | 347873.64423000003 | -0.22126820895446392 | 446718.17464000033 | 0.5369453662988294 | 290653.25575999985 | -0.5365442680538559 | 627143.5127999997 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 (oct.25- déc. 25) | 2025 (oct.24-déc. 24) | 2025 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 | 623491.2342899999 | -0.11744640733880744 | 706462.74569 | 0 | 0 | 652829.84029 | 0 | 0 | 565877.6681499998 | 0 | 0 | 951784.31468 | 623491.2342899999 | -0.11744640733880744 | 706462.74569 | 2876954.5688099996 Intérêts sur Bons B.R.H. | 577789.6470199999 | 0.5586169899916285 | 370706.62691999995 | 0 | 0 | 400314.93955999997 | 0 | 0 | 419406.68410000013 | 0 | 0 | 488459.31191999983 | 577789.6470199999 | 0.5586169899916285 | 370706.62691999995 | 1678887.5624999998 Autres | 323617.97667 | 0.12504495107104435 | 287648.93026000005 | 0 | 0 | 290257.12338 | 0 | 0 | 307758.17042 | 0 | 0 | 327621.9707400001 | 323617.97667 | 0.12504495107104435 | 287648.93026000005 | 1213286.1948000002 1524898.8579799999 | 0.11729074468987953 | 1364818.30287 | 0 | 0 | 1343401.90323 | 0 | 0 | 1293042.5226699999 | 0 | 0 | 1767865.5973399999 | 1524898.8579799999 | 0.11729074468987953 | 1364818.30287 | 5769128.32611 Dépenses d'intérêt | 293137.05718 | 0.18142347580408402 | 248121.91664 | 0 | 0 | 254298.01460999998 | 0 | 0 | 264850.79171 | 0 | 0 | 271632.31145000004 | 293137.05718 | 0.18142347580408402 | 248121.91664 | 1038903.0344100001 1231761.8007999999 | 0.10304091245290407 | 1116696.38623 | 0 | 0 | 1089103.88862 | 0 | 0 | 1028191.7309599998 | 0 | 0 | 1496233.28589 | 1231761.8007999999 | 0.10304091245290407 | 1116696.38623 | 4730225.2917 AUTRES REVENUS Commissions | 500484.22213999997 | 0.09746052538186571 | 456038.47297 | 0 | 0 | 459357.8066599999 | 0 | 0 | 477802.07623 | 0 | 0 | 616896.95754 | 500484.22213999997 | 0.09746052538186571 | 456038.47297 | 2010095.3133999999 Gains sur change | 300735.85547 | 0.23679493072592783 | 243157.41275999998 | 0 | 0 | 274090.17989 | 0 | 0 | 266011.37844 | 0 | 0 | 278313.6159999999 | 300735.85547 | 0.23679493072592783 | 243157.41275999998 | 1061572.58709 Autres | 296557.21672 | 0.49722076322606534 | 198071.80344000002 | 0 | 0 | 278779.5624 | 0 | 0 | 234670.07442999998 | 0 | 0 | 431077.65352000005 | 296557.21672 | 0.49722076322606534 | 198071.80344000002 | 1142599.0937899998 1097777.29433 | 0.22346687346501623 | 897267.68917 | 0 | 0 | 1012227.54895 | 0 | 0 | 978483.5290999999 | 0 | 0 | 1326288.22706 | 1097777.29433 | 0.22346687346501623 | 897267.68917 | 4214266.994279999 PRODUIT NET BANCAIRE | 2329539.09513 | 0.15669347014907525 | 2013964.0754 | 0 | 0 | 2101331.43757 | 0 | 0 | 2006675.2600599998 | 0 | 0 | 2822521.51295 | 2329539.09513 | 0.15669347014907525 | 2013964.0754 | 8944492.28598 Dotation à la provision pour créances douteuses | 167288.88843 | 0.03175993680818001 | 162139.35283 | 0 | 0 | 170392.9889 | 0 | 0 | 196758.03565 | 0 | 0 | 401521.4742 | 167288.88843 | 0.03175993680818001 | 162139.35283 | 930811.85158 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2162250.2067 | 0.16763221721070082 | 1851824.72257 | 0 | 0 | 1930938.44867 | 0 | 0 | 1809917.2244099998 | 0 | 0 | 2421000.03875 | 2162250.2067 | 0.16763221721070082 | 1851824.72257 | 8013680.4344 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 658480.44101 | 0.11304195893738901 | 591604.32877 | 0 | 0 | 593758.9138799999 | 0 | 0 | 639045.18802 | 0 | 0 | 656853.2337900001 | 658480.44101 | 0.11304195893738901 | 591604.32877 | 2481261.66446 Frais de locaux | 56893.886179999994 | 0.10226547362966429 | 51615.41166 | 0 | 0 | 51129.447329999995 | 0 | 0 | 54804.02794 | 0 | 0 | 62273.634139999995 | 56893.886179999994 | 0.10226547362966429 | 51615.41166 | 219822.52106999996 Amortissement | 95213.9515 | 0.016693447863629043 | 93650.60009 | 0 | 0 | 89170.95366999999 | 0 | 0 | 85846.05584 | 0 | 0 | 93528.66147 | 95213.9515 | 0.016693447863629043 | 93650.60009 | 362196.27106999996 Autres dépenses d'exploitation | 703813.7749600001 | 0.035085805898954624 | 679956.93782 | 0 | 0 | 637452.9591499999 | 0 | 0 | 669123.69685 | 0 | 0 | 856721.99655 | 703813.7749600001 | 0.035085805898954624 | 679956.93782 | 2843255.59037 1514402.0536500001 | 0.06886850415833459 | 1416827.27834 | 0 | 0 | 1371512.2740299997 | 0 | 0 | 1448818.96865 | 0 | 0 | 1669377.5259500002 | 1514402.0536500001 | 0.06886850415833459 | 1416827.27834 | 5906536.04697 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 647848.1530499998 | 0.48931484918669405 | 434997.44423 | 0 | 0 | 559426.1746400003 | 0 | 0 | 361098.25575999985 | 0 | 0 | 751622.5127999997 | 647848.1530499998 | 0.48931484918669405 | 434997.44423 | 2107144.38743 Impôts sur le revenu | 142944 | 0.6406997858220141 | 87123.8 | 0 | 0 | 112708 | 0 | 0 | 70445 | 0 | 0 | 124479 | 142944 | 0.6406997858220141 | 87123.8 | 394755.8 BÉNÉFICE NET (PERTE NETTE) | 504904.15304999985 | 0.4514009940809933 | 347873.64423000003 | 0 | 0 | 446718.17464000033 | 0 | 0 | 290653.25575999985 | 0 | 0 | 627143.5127999997 | 504904.15304999985 | 0.4514009940809933 | 347873.64423000003 | 1712388.58743 [SOGEBKVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2026 | Var. | 2025 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 623491.2342899999 | -0.11744640733880744 | 706462.74569 | 2876954.5688099996 | -0.18608394462782643 | 3534706.7425700002 | -0.3092504015396053 | 5117204.19447 | 0.12516607497021137 | 4547954.571599999 Intérêts sur Bons B.R.H. | 577789.6470199999 | 0.5586169899916285 | 370706.62691999995 | 1678887.5624999998 | 0.9197968045471094 | 874513.15604 | 0.8533920481087641 | 471844.66823 | -0.23423723973820934 | 616176.0439599999 Autres | 323617.97667 | 0.12504495107104435 | 287648.93026000005 | 1213286.1948000002 | 0.20691657516571868 | 1005277.59728 | 0.35349454397318375 | 742727.48402 | 0.8064466403339867 | 411153.84614000004 1524898.8579799999 | 0.11729074468987953 | 1364818.30287 | 5769128.32611 | 0.0654965360108098 | 5414497.495890001 | -0.1448691173852296 | 6331776.346720001 | 0.13568668831461464 | 5575284.461699999 Dépenses d'intérêt | 293137.05718 | 0.18142347580408402 | 248121.91664 | 1038903.0344100001 | 0.062217187050266506 | 978051.4258999999 | 0.0591553942130675 | 923425.80819 | 0.22430511931538233 | 754244.83131 1231761.8007999999 | 0.10304091245290407 | 1116696.38623 | 4730225.2917 | 0.0662194957574817 | 4436446.069990001 | -0.17970441479633922 | 5408350.5385300005 | 0.12182246012619714 | 4821039.630389999 AUTRES REVENUS Commissions | 500484.22213999997 | 0.09746052538186571 | 456038.47297 | 2010095.3133999999 | 0.00525808054327154 | 1999581.3535899997 | -0.07813524019621836 | 2169061.49446 | 0.12239130107168697 | 1932535.9100600001 Gains sur change | 300735.85547 | 0.23679493072592783 | 243157.41275999998 | 1061572.58709 | -0.06730328197862222 | 1138175.53614 | -0.10835378856167088 | 1276487.8284 | 0.050891536017939554 | 1214671.3382400002 Autres | 296557.21672 | 0.49722076322606534 | 198071.80344000002 | 1142599.0937899998 | 0.9359955261380405 | 590186.84618 | 0.28769579665590433 | 458327.85018999997 | 0.20210398086165654 | 381271.38541000005 1097777.29433 | 0.22346687346501623 | 897267.68917 | 4214266.994279999 | 0.130453486646114 | 3727943.73591 | -0.045066335169184686 | 3903877.1730500003 | 0.10639104790193651 | 3528478.63371 PRODUIT NET BANCAIRE | 2329539.09513 | 0.15669347014907525 | 2013964.0754 | 8944492.28598 | 0.09554939176425135 | 8164389.8059 | -0.12326136572590832 | 9312227.71158 | 0.11530119667134757 | 8349518.264099998 Dotation à la provision pour créances douteuses | 167288.88843 | 0.03175993680818001 | 162139.35283 | 930811.85158 | -0.12277690112537269 | 1061089.0807299998 | -0.4206714057659537 | 1831584.1670700002 | 0.008674006458312011 | 1815833.61457 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2162250.2067 | 0.16763221721070082 | 1851824.72257 | 8013680.4344 | 0.12816291248998352 | 7103300.72517 | -0.05044256113726065 | 7480643.54451 | 0.1449348944394067 | 6533684.649529998 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 658480.44101 | 0.11304195893738901 | 591604.32877 | 2481261.66446 | 0.030698050803034067 | 2407360.3928199997 | 0.011631050893047267 | 2379682.18818 | 0.1564445703129447 | 2057757.24083 Frais de locaux | 56893.886179999994 | 0.10226547362966429 | 51615.41166 | 219822.52106999996 | -0.022513094282222715 | 224885.38698999997 | -0.10029161076409021 | 249953.64018 | 0.09985463617128768 | 227260.61422999998 Amortissement | 95213.9515 | 0.016693447863629043 | 93650.60009 | 362196.27106999996 | -0.05065813983925746 | 381523.54412000004 | 0.04594621803729966 | 364764.01706 | 0.05529706642941423 | 345650.5553400001 Autres dépenses d'exploitation | 703813.7749600001 | 0.035085805898954624 | 679956.93782 | 2843255.59037 | 0.010367766863536524 | 2814079.86638 | 0.06027592989367728 | 2654101.43439 | 0.43921848898543975 | 1844126.8332099998 1514402.0536500001 | 0.06886850415833459 | 1416827.27834 | 5906536.04697 | 0.013501869058456963 | 5827849.1903099995 | 0.03175141539598484 | 5648501.27981 | 0.26229267984407784 | 4474795.24361 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 647848.1530499998 | 0.48931484918669405 | 434997.44423 | 2107144.38743 | 0.6520771897940358 | 1275451.534860001 | -0.30384689036751916 | 1832142.2647000002 | -0.11013080186241361 | 2058889.405919998 Impôts sur le revenu | 142944 | 0.6406997858220141 | 87123.8 | 394755.8 | 0.12325233325745501 | 351440 | -0.33410683109177225 | 527772.34609 | 0.0534378165469062 | 501000 BÉNÉFICE NET (PERTE NETTE) | 504904.15304999985 | 0.4514009940809933 | 347873.64423000003 | 1712388.58743 | 0.8532112672050657 | 924011.534860001 | -0.29160315515044033 | 1304369.91861 | -0.1627326601918088 | 1557889.405919998 [sgbelinfin] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) INDICATEURS FINANCIERS Var.déc. 25 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 12779900.593933364 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04057922166259486 | 12281525.834730932 | 0.018209383703329182 | 12061886.318570152 | -0.01974331638573537 | 12304824.358960003 | 0.04728147106918666 | 11749300.163209999 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 4618229.840413365 | 0 | 0 | 0 | 0 | 0 | 0 | -0.021577584323826345 | 4720077.715330931 | -0.041015321194294456 | 4921953.2070201505 | -0.028367344637983256 | 5065652.31197 | 0.0017357076463365548 | 5056875.055269999 Dépôts | 8720910.979243282 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06764197639035369 | 8168385.256570994 | -0.0021272483548556956 | 8185798.482926981 | -0.0291292839230332 | 8431399.10121467 | 0.05105830244887003 | 8021818.657985269 Avoir des Actionnaires | 1319164.59394 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03242011637440388 | 1277740.1108499994 | 0.15350314970799128 | 1107704.0502000004 | 0.037573179324539005 | 1067591.25262 | 0.12126148662009512 | 952134.0609299999 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 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. 25) | (oct. - déc. 24) | (janv. - mars 26) | (janv. - mars 25) | (avril - juin 26) | (avril - juin 25) | (juil. - sept. 26) | (juil. - sept. 25) | (oct. 25 - déc. 25) | (oct. 24- déc. 24) Résultats Revenus nets d'intérêt | 136602.17251 | 0.36449196613981993 | 100112.11197999999 | 0 | 0 | 123813.47106000001 | 0 | 0 | 139684.92886030898 | 0 | 0 | 172084.75858000002 | 136602.17251 | 0.36449196613981993 | 100112.11197999999 Autres revenus | 25584.32235 | 0.3066730501417081 | 19579.742880000005 | 0 | 0 | 102032.08729 | 0 | 0 | 29905.426160000003 | 0 | 0 | 34468.27318 | 25584.32235 | 0.3066730501417081 | 19579.742880000005 Dot. à la prov. pr créances douteuses | 3172.6575700000003 | 1.6371970248009928 | 1203.0415399999983 | 0 | 0 | 24000 | 0 | 0 | 22000 | 0 | 0 | 30727.34243 | 3172.6575700000003 | 1.6371970248009928 | 1203.0415399999983 Dépenses d'exploitation | 104743.7427 | 0.1021505929474745 | 95035.78129 | 0 | 0 | 113779.12333 | 0 | 0 | 94023.67531999998 | 0 | 0 | 123788.29083000001 | 104743.7427 | 0.1021505929474745 | 95035.78129 Bénéfice (perte) net | 39617.16905 | 1.3139905546389112 | 17120.713379999987 | 0 | 0 | 64288.835060000005 | 0 | 0 | 39103.676180309 | 0 | 0 | 39163.039420000016 | 39617.16905 | 1.3139905546389112 | 17120.713379999987 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 25) | (oct. - déc. 24) | (janv. - mars 26) | (janv. - mars 25) | (avril - juin 26) | (avril - juin 25) | (juil. - sept. 26) | (juil. - sept. 25) | (oct. 25 - déc. 25) | (oct. 24- déc. 24) | 2025 | 2024 | 2023 | 2022 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.10322181962559311 | 0.09456838807100848 | 0 | 0.0992492900969827 | 0 | 0.1020935638739926 | 0 | 0.1040375705791114 | 0.10322181962559311 | 0.09456838807100848 | 0.1040375705791114 | 0.09183505970327455 | 0.08676200663056292 | 0.08103751267768017 Dépôts en % de l'actif | 0.6823927083895402 | 0.6734887568974096 | 0 | 0.6683072865574338 | 0 | 0.6640872297005789 | 0 | 0.6650953119743163 | 0.6823927083895402 | 0.6734887568974096 | 0.6650953119743163 | 0.6786499446877018 | 0.6852108453766899 | 0.6827486357956529 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.08476003934909415 | 0.13361507765862504 | 0 | 0.1288127912650176 | 0 | 0.11045659894108742 | 0 | 0.09071039623039517 | 0.08476003934909415 | 0.13361507765862504 | 0.09071039623039517 | 0.09914801393711056 | 0.04144079780893058 | 0.07124213430332414 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.8188222709911994 | 0.4756179973490498 | 0 | 0.5019488114666114 | 0 | 0.61378013553759 | 0 | 0.8311959289499149 | 0.8188222709911994 | 0.4756179973490498 | 0.8311959289499149 | 0.6279397687536507 | 1.2126331430000805 | 0.5907699247156862 Prêts improductifs nets en % de l'avoir des actionnaires | 0.05777115631264603 | 0.32151051428586236 | 0 | 0.27762506340501664 | 0 | 0.18186698984821356 | 0 | 0.0611775140288256 | 0.05777115631264603 | 0.32151051428586236 | 0.0611775140288256 | 0.1747946332077859 | -0.044023165949195725 | 0.16164521078016045 Rentabilité ROA (rendement de l'actif) | 0.012646421116616858 | 0.005730992667649192 | 0 | 0.021498856957634017 | 0 | 0.012917630078524055 | 0 | 0.012833340363767683 | 0.012646421116616858 | 0.005730992667649192 | 0.013118642779800783 | 0.008728858383759027 | 0.014498990890740644 | 0.014647318005265836 ROE (rendement avoir des action.) | 0.1220442751770629 | 0.06149867692924476 | 0 | 0.22179061340958267 | 0 | 0.1283112936823106 | 0 | 0.12450907125949814 | 0.1220442751770629 | 0.06149867692924476 | 0.1338754992864929 | 0.09777687034328576 | 0.1726772101096658 | 0.1764601706585961 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7522064120047088 | 0.684146035723671 | 0 | 0.7364203174164121 | 0 | 0.7603636974682588 | 0 | 0.7911716309837854 | 0.7522064120047088 | 0.684146035723671 | 0.7485179520444547 | 0.7279026822540535 | 0.7556552986673709 | 0.7168337269853914 Rendement moyen des prêts | 0.10220186917625655 | 0.0824219910279685 | 0 | 0.10187239164375687 | 0 | 0.11023609842826679 | 0 | 0.13079935243479549 | 0.10220186917625655 | 0.0824219910279685 | 0.1067417758283085 | 0.09968563802981496 | 0.11334752155150182 | 0.09780828444250475 Rendement moyen des prêts productifs | 0.11203609248731637 | 0.09325819387372751 | 0 | 0.1172566273319968 | 0 | 0.1252051420389643 | 0 | 0.1454538378001096 | 0.11203609248731637 | 0.09325819387372751 | 0.11794512086591799 | 0.10719609520952549 | 0.12010521392894835 | 0.10367512754125206 Rémunération moyenne des dépôts | 0.02131518337375196 | 0.022883650530296003 | 0 | 0.022089951992483117 | 0 | 0.02182960277080342 | 0 | 0.02239586634665845 | 0.02131518337375196 | 0.022883650530296003 | 0.022010185498284717 | 0.02261502254294954 | 0.02216781397960733 | 0.022143966999330952 Dépenses d'exploitation en % du produit net bancaire | 0.6458228398758799 | 0.7940037473824809 | 0 | 0.5037917245805335 | 0 | 0.554416407163841 | 0 | 0.599305126510238 | 0.6458228398758799 | 0.7940037473824809 | 0.591157296654877 | 0.6469908741566881 | 0.5800600943049423 | 0.561752816471301 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 8536.131308421052 | 6469.829992432432 | 0 | 12045.096445333334 | 0 | 9044.818934416478 | 0 | 10943.206980662253 | 8536.131308421052 | 6469.829992432432 | 9686.990603896764 | 8248.304424523421 | 11349.498910397248 | 6817.405090793831 [sgbelvar] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 25 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 ACTIF Disponibilités Encaisse | 92123.56673 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1928892604510759 | 77227.25804 | -0.07281416378926081 | 83292.10286 | 1.045095303419072 | 40727.73661 | -0.5577484217499984 | 92091.78353 Avoirs à la BRH | 2182608.50809 | 0 | 0 | 0 | 0 | 0 | 0 | 0.15062196694158733 | 1896894.5238299998 | -0.061679723281697504 | 2021585.3487300002 | 0.022344286961519924 | 1977401.7173199998 | 0.0033229180410082426 | 1970852.73521 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 364006.90894 | 0 | 0 | 0 | 0 | 0 | 0 | 1.504663077486682 | 145331.68641 | -0.1908820927273007 | 179617.43907000002 | -0.2743288562018673 | 247519.05956999998 | -0.07051049648727735 | 266295.70171 Autres liquidités | 23813.53177 | 0 | 0 | 0 | 0 | 0 | 0 | -0.193213977138869 | 29516.539819999998 | -0.44070189031296036 | 52774.25278 | 0.4993982125882092 | 35196.95591 | 0.29717943647048545 | 27133.451950000002 2662552.5155300004 | 0 | 0 | 0 | 0 | 0 | 0 | 0.2389900768713296 | 2148970.0080999997 | -0.08056373647361006 | 2337269.1434400002 | 0.015830560771793324 | 2300845.46941 | -0.023565109235600935 | 2356373.6724 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 3043602.8042900003 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01828988393510304 | 2988935.52053 | 0.1928348254229484 | 2505741.32883 | -0.08884948240498891 | 2750084.95352 | 0.18139273896253613 | 2327832.95751 Portefeuille net | 4618229.840413365 | 0 | 0 | 0 | 0 | 0 | 0 | -0.021577584323826345 | 4720077.715330931 | -0.041015321194294456 | 4921953.2070201505 | -0.028367344637983256 | 5065652.31197 | 0.0017357076463365548 | 5056875.055269999 Immobilisations | 752541.6410100001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11190027614662836 | 676806.7758899999 | 0.15863084802546346 | 584143.5838199999 | -0.04861575014619091 | 613993.33015 | 0.10877876631930045 | 553756.39289 Autres actifs | 1702973.79269 | 0 | 0 | 0 | 0 | 0 | 0 | -0.025053601018083058 | 1746735.8148799997 | 0.019825534012546806 | 1712779.0554599997 | 0.08799803822936192 | 1574248.2939099998 | 0.08235773898394184 | 1454462.0851399999 12779900.593933364 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04057922166259486 | 12281525.834730932 | 0.018209383703329182 | 12061886.318570152 | -0.01974331638573537 | 12304824.358960003 | 0.04728147106918666 | 11749300.163209999 PASSIF Dépôts À vue | 3759761.4346099244 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0516669030393543 | 3575049.688969085 | -0.10004756101050408 | 3972487.360535741 | 0.056953956358795556 | 3758429.907600661 | 0.013955373289449001 | 3706701.504433726 Épargne | 1482960.050670004 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13860912743116457 | 1302431.198681619 | 0.028562072958774165 | 1266264.0718756327 | 0.026580565297491608 | 1233477.541539746 | 0.0427844843690287 | 1182869.097142448 À terme | 3478189.493963353 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05690992628403516 | 3290904.36892029 | 0.11667859810535519 | 2947047.050515607 | -0.14317365802056095 | 3439491.6520742616 | 0.09809044179514938 | 3132248.0564090954 8720910.979243282 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06764197639035369 | 8168385.256570994 | -0.0021272483548556956 | 8185798.482926981 | -0.0291292839230332 | 8431399.10121467 | 0.05105830244887003 | 8021818.657985269 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 | 362772.91602 | 0 | 0 | 0 | 0 | 0 | 0 | -0.060889221590917864 | 386294.06068 | 0.021635305498683106 | 378113.46045 | 0.18320408185694534 | 319567.40705000004 | 0.1104967532469775 | 287769.78061 362772.91602 | 0 | 0 | 0 | 0 | 0 | 0 | -0.060889221590917864 | 386294.06068 | 0.021635305498683106 | 378113.46045 | 0.18320408185694534 | 319567.40705000004 | 0.1104967532469775 | 287769.78061 Obligations à terme Banques locales | 1479107.1306099999 | 0 | 0 | 0 | 0 | 0 | 0 | -0.02050458760528999 | 1510070.5035400002 | -0.004409008130805021 | 1516757.90146 | -0.0693088924322621 | 1629711.3931 | -0.06481653049252348 | 1742664.8847400001 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 370527.2581 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04774507987539045 | 353642.5655599998 | 0.051843598216758276 | 336212.1195200002 | -0.12093072664152071 | 382463.73716999986 | 0.09779651905649674 | 348392.19339000003 1849634.3887099999 | 0 | 0 | 0 | 0 | 0 | 0 | -0.007554102948260594 | 1863713.0691 | 0.005797745240539784 | 1852970.0209800003 | -0.07912090100658234 | 2012175.1302699998 | -0.03772347904082241 | 2091057.0781300003 Autres passifs | 527417.7160000001 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0990370368317162 | 585393.33753 | 0.08950866610380664 | 537300.30402 | 0.13332621801176445 | 474091.48 | 0.19562892130427856 | 396520.58557 11460735.999973282 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04152664251727399 | 11003785.723880993 | 0.00452826639987622 | 10954182.268376982 | -0.025188660515623348 | 11237233.118534671 | 0.04075764066886524 | 10797166.102295268 AVOIR DES ACTIONNAIRES Capital versé | 300000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0 | 300000 | 0 | 300000 | 0 | 300000 Réserves | 322712.84589999996 | 0 | 0 | 0 | 0 | 0 | 0 | -0.11758267048098128 | 365714.5379 | 0.035159383189911096 | 353292.97482 | 0.027616137775530784 | 343798.58571 | 0.17878405026805505 | 291655.27446 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 696451.74804 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13794550231465222 | 612025.5729499995 | 0.3468544366754142 | 454411.0753800003 | 0.07224855657189247 | 423792.66690999997 | 0.17563829777614168 | 360478.78646999993 1319164.59394 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03242011637440388 | 1277740.1108499994 | 0.15350314970799128 | 1107704.0502000004 | 0.037573179324539005 | 1067591.25262 | 0.12126148662009512 | 952134.0609299999 12779900.593913283 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04057922166095474 | 12281525.834730992 | 0.018209383702757542 | 12061886.318576982 | -0.01974331735666149 | 12304824.371154672 | 0.04728147210573154 | 11749300.163225269 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 | 0 | 0 | 0 Autres | 489268.89789364394 | 0 | 0 | 0 | 479001.391270802 | -0.08854072183620226 | 525532.41022 | 0.5493044129315532 | 339205.39168 | -0.9974135396221497 | 131146564.07841 Portefeuille brut | 4962655.0104133645 | 0 | 0 | 0 | 0 | 0 | 0 | -0.027880372198340678 | 5104983.860510931 | -0.027387590602893662 | 5248734.039570151 | -0.01592691236488238 | 5333683.14358 | 0.010347413503000485 | 5279058.54194 Provisions pour créances douteuses | 344425.17000000004 | 0 | 0 | 0 | 0 | 0 | 0 | -0.10517102854013714 | 384906.14518 | 0.17787246631457893 | 326780.83255000005 | 0.219191204933784 | 268030.83161 | 0.20634902092474205 | 222183.48667 Portefeuille de crédit improductif | 420634.833958616 | 0 | 0 | 0 | 0 | 0 | 0 | -0.09164879298712722 | 463075.108736719 | -0.11015810068598554 | 520401.555707488 | 1.3544163569880834 | 221032.08473 | -0.4122915703018152 | 376091.39764 [sgbelcomp ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 25 | Comp. | Mars 26 | Comp. | Juin 26 | Comp. | Sept. 26 | Comp. | 2025 | Comp. | 2024 | Comp. | 2023 | Comp. | 2022 | Comp. ACTIF Disponibilités Encaisse | 92123.56673 | 0.007208472871356385 | 0 | 0 | 0 | 0 | 0 | 0 | 77227.25804 | 0.006288083343977424 | 83292.10286 | 0.006905396109708458 | 40727.73661 | 0.003309899875193528 | 92091.78353 | 0.007838065438004763 Avoirs à la BRH | 2182608.50809 | 0.1707844667529016 | 0 | 0 | 0 | 0 | 0 | 0 | 1896894.5238299998 | 0.15445104699171588 | 2021585.3487300002 | 0.1676010945002543 | 1977401.7173199998 | 0.1607013362917379 | 1970852.73521 | 0.1677421384961492 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 | 364006.90894 | 0.028482765281663814 | 0 | 0 | 0 | 0 | 0 | 0 | 145331.68641 | 0.011833357545771426 | 179617.43907000002 | 0.014891322495177715 | 247519.05956999998 | 0.02011561094651173 | 266295.70171 | 0.022664813904732687 Autres liquidités | 23813.53177 | 0.0018633581376450077 | 0 | 0 | 0 | 0 | 0 | 0 | 29516.539819999998 | 0.0024033283988647534 | 52774.25278 | 0.0043752901814992405 | 35196.95591 | 0.0028604192049576584 | 27133.451950000002 | 0.0023093675004543365 2662552.5155300004 | 0.20833906304356684 | 0 | 0 | 0 | 0 | 0 | 0 | 2148970.0080999997 | 0.1749758162803295 | 2337269.1434400002 | 0.1937731032866397 | 2300845.46941 | 0.18698726631840085 | 2356373.6724 | 0.20055438533934097 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 | 3043602.8042900003 | 0.23815543649336385 | 0 | 0 | 0 | 0 | 0 | 0 | 2988935.52053 | 0.24336841861111327 | 2505741.32883 | 0.2077404199185851 | 2750084.95352 | 0.22349648181019918 | 2327832.95751 | 0.19812524364634312 Portefeuille net | 4618229.840413365 | 0.361366648079066 | 0 | 0 | 0 | 0 | 0 | 0 | 4720077.715330931 | 0.3843233958750485 | 4921953.2070201505 | 0.4080583315929985 | 5065652.31197 | 0.4116801804067479 | 5056875.055269999 | 0.43039797988175854 Immobilisations | 752541.6410100001 | 0.05888478047843601 | 0 | 0 | 0 | 0 | 0 | 0 | 676806.7758899999 | 0.05510771096340959 | 584143.5838199999 | 0.048428874919892784 | 613993.33015 | 0.04989858548471751 | 553756.39289 | 0.047131010800451754 Autres actifs | 1702973.79269 | 0.1332540719055674 | 0 | 0 | 0 | 0 | 0 | 0 | 1746735.8148799997 | 0.13667835692784477 | 1712779.0554599997 | 0.14199927028188383 | 1574248.2939099998 | 0.12318157581423579 | 1454462.0851399999 | 0.12379138033210564 12779900.593933364 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 12281525.834730932 | 1 | 12061886.318570152 | 1 | 12304824.358960003 | 1 | 11749300.163209999 | 1 PASSIF Dépôts À vue | 3759761.4346099244 | 0.2941933238819313 | 0 | 0 | 0 | 0 | 0 | 0 | 3575049.688969085 | 0.2910916556360774 | 3972487.360535741 | 0.3293421323677879 | 3758429.907600661 | 0.3054436047162173 | 3706701.504433726 | 0.315482748158936 Épargne | 1482960.050670004 | 0.11603846522671445 | 0 | 0 | 0 | 0 | 0 | 0 | 1302431.198681619 | 0.10604799568132432 | 1266264.0718756327 | 0.10498060074783884 | 1233477.541539746 | 0.100243409052935 | 1182869.097142448 | 0.10067570669837063 À terme | 3478189.493963353 | 0.2721609192808944 | 0 | 0 | 0 | 0 | 0 | 0 | 3290904.36892029 | 0.26795566065691445 | 2947047.050515607 | 0.24432721157207504 | 3439491.6520742616 | 0.2795238316075375 | 3132248.0564090954 | 0.2665901809383463 8720910.979243282 | 0.6823927083895402 | 0 | 0 | 0 | 0 | 0 | 0 | 8168385.256570994 | 0.6650953119743163 | 8185798.482926981 | 0.6786499446877018 | 8431399.10121467 | 0.6852108453766899 | 8021818.657985269 | 0.6827486357956529 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 | 362772.91602 | 0.028386207964106448 | 0 | 0 | 0 | 0 | 0 | 0 | 386294.06068 | 0.03145326288266225 | 378113.46045 | 0.03134778843569988 | 319567.40705000004 | 0.025970903584438463 | 287769.78061 | 0.02449250394598644 362772.91602 | 0.028386207964106448 | 0 | 0 | 0 | 0 | 0 | 0 | 386294.06068 | 0.03145326288266225 | 378113.46045 | 0.03134778843569988 | 319567.40705000004 | 0.025970903584438463 | 287769.78061 | 0.02449250394598644 Obligations à terme Banques locales | 1479107.1306099999 | 0.11573698243882538 | 0 | 0 | 0 | 0 | 0 | 0 | 1510070.5035400002 | 0.12295463315068483 | 1516757.90146 | 0.1257479851327102 | 1629711.3931 | 0.13244491311355397 | 1742664.8847400001 | 0.14832073915318975 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 370527.2581 | 0.028992968714943664 | 0 | 0 | 0 | 0 | 0 | 0 | 353642.5655599998 | 0.02879467668096531 | 336212.1195200002 | 0.027873925407701543 | 382463.73716999986 | 0.03108242149685796 | 348392.19339000003 | 0.029652165537561396 1849634.3887099999 | 0.14472995115376905 | 0 | 0 | 0 | 0 | 0 | 0 | 1863713.0691 | 0.15174930983165014 | 1852970.0209800003 | 0.15362191054041174 | 2012175.1302699998 | 0.16352733461041194 | 2091057.0781300003 | 0.17797290469075117 Autres passifs | 527417.7160000001 | 0.04126931286541979 | 0 | 0 | 0 | 0 | 0 | 0 | 585393.33753 | 0.04766454473226494 | 537300.30402 | 0.044545296633478226 | 474091.48 | 0.03852891078894441 | 396520.58557 | 0.03374844289122898 11460735.999973282 | 0.8967781803728355 | 0 | 0 | 0 | 0 | 0 | 0 | 11003785.723880993 | 0.8959624294208935 | 10954182.268376982 | 0.9081649402972917 | 11237233.118534671 | 0.9132379943604848 | 10797166.102295268 | 0.9189624873236194 AVOIR DES ACTIONNAIRES Capital versé | 300000 | 0.02347436099326237 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0.024426932291395736 | 300000 | 0.024871731674185004 | 300000 | 0.024380681206680455 | 300000 | 0.025533435679801177 Réserves | 322712.84589999996 | 0.0252515928060655 | 0 | 0 | 0 | 0 | 0 | 0 | 365714.5379 | 0.029777614184207934 | 353292.97482 | 0.02929002690699213 | 343798.58571 | 0.027940145725010388 | 291655.27446 | 0.024823203970330564 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 | 696451.74804 | 0.054495865826265234 | 0 | 0 | 0 | 0 | 0 | 0 | 612025.5729499995 | 0.049833024103507734 | 454411.0753800003 | 0.03767330112209741 | 423792.66690999997 | 0.03444117969887209 | 360478.78646999993 | 0.030680873027548423 1319164.59394 | 0.10322181962559311 | 0 | 0 | 0 | 0 | 0 | 0 | 1277740.1108499994 | 0.1040375705791114 | 1107704.0502000004 | 0.09183505970327455 | 1067591.25262 | 0.08676200663056292 | 952134.0609299999 | 0.08103751267768017 12779900.593913283 | 0.9999999999984287 | 0 | 0 | 0 | 0 | 0 | 0 | 12281525.834730992 | 1.0000000000000049 | 12061886.318576982 | 1.0000000000005662 | 12304824.371154672 | 1.0000000009910477 | 11749300.163225269 | 1.0000000000012996 [sgbelgdes&$] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 25 | Septembre 25 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties | Gourdes | Total | % devises/total Disponibilités Encaisse | 14799.1293 | 77324.43743 | 92123.56673 | 0.16064433700633812 | 15106.21962 | 62121.038420000004 | 77227.25804 | 0.19560735423463702 Avoirs à la BRH | 1636252.59722 | 546355.91087 | 2182608.50809 | 0.7496775492055073 | 1347738.73235 | 549155.79148 | 1896894.5238299998 | 0.7104974554034743 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 251867.74747 | 112139.16147 | 364006.90894 | 0.6919312279084128 | 79844.39841 | 65487.288 | 145331.68641 | 0.5493942882128838 Autres liquidités | 7796.10962 | 16017.42215 | 23813.53177 | 0.32738149449219645 | 25334.13124 | 4182.40858 | 29516.539819999998 | 0.8583028835525613 1910715.58361 | 751836.9319200001 | 2662552.5155300004 | 0.7176255012681537 | 1468023.48162 | 680946.52648 | 2148970.0081 | 0.6831288831796888 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 | 1359185.5292200001 | 1684417.27507 | 3043602.8042900003 | 0.44657125670413017 | 1379518.24546 | 1609417.27507 | 2988935.52053 | 0.461541654540404 Portefeuille net | 2744083.8993833647 | 1874145.9410299999 | 4618229.840413365 | 0.5941852168920526 | 2840693.3971309313 | 1879384.3181999999 | 4720077.715330931 | 0.6018319121959131 Immobilisations | 0 | 752541.6410100001 | 752541.6410100001 | 0 | 0 | 676806.7758899999 | 676806.7758899999 | 0 Autres actifs | 1156525.20015 | 546448.5925400001 | 1702973.79269 | 0.6791209618811365 | 1167926.2561299999 | 578809.5587500001 | 1746735.81488 | 0.6686335999873203 | #REF! 7170510.212363364 | 5609390.38157 | 12779900.593933364 | 0.5610771507696402 | 6856161.380340931 | 5425364.45439 | 12281525.83473093 | 0.558249966054901 | #REF! #REF! PASSIF | #REF! Dépôts | #REF! À vue | 3026835.4166999245 | 732926.01791 | 3759761.4346099244 | 0.8050604990084853 | 2894357.287829085 | 680692.40114 | 3575049.688969085 | 0.8095991775330297 Épargne | 1100221.2905100042 | 382738.76015999995 | 1482960.050670004 | 0.7419089206165211 | 967544.413001619 | 334886.7856800001 | 1302431.198681619 | 0.742875642092275 À terme | 2505463.9779833527 | 972725.51598 | 3478189.493963353 | 0.7203356753080201 | 2379839.69881029 | 911064.6701100001 | 3290904.36892029 | 0.7231567472108251 6632520.685193282 | 2088390.2940500001 | 8720910.979243282 | 0.7605307176027141 | 6241741.399640994 | 1926643.8569300002 | 8168385.256570995 | 0.7641340612111645 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 | 162235.52698 | 200537.38904 | 362772.91602 | 0.44720958984450704 | 173741.32497000002 | 212552.73570999998 | 386294.06068 | 0.4497644221196676 162235.52698 | 200537.38904 | 362772.91602 | 0.44720958984450704 | 173741.32497000002 | 212552.73570999998 | 386294.06068 | 0.4497644221196676 Obligations à terme Banques locales | 0 | 1479107.1306099999 | 1479107.1306099999 | 0 | 0 | 1510070.5035400002 | 1510070.5035400002 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 313498.56 | 57028.69809999992 | 370527.2580999999 | 0.8460877118934966 | 313658.64 | 39983.92556000012 | 353642.56556000013 | 0.8869368977213341 313498.56 | 1536135.8287099998 | 1849634.3887099999 | 0.16949217743439823 | 313658.64 | 1550054.4291000003 | 1863713.0691000004 | 0.1682977091272252 Autres passifs | 59269.60147 | 468148.1145300001 | 527417.7160000001 | 0.11237696359445003 | 121694.1225 | 463699.21503 | 585393.33753 | 0.2078843654310696 7167524.373643281 | 4293211.626329999 | 11460735.999973282 | 0.6253982618271627 | 6850835.487110994 | 4152950.236770001 | 11003785.723880995 | 0.6225889579295378 AVOIR DES ACTIONNAIRES Capital versé | 0 | 300000 | 300000 | 0 | 0 | 300000 | 300000 | 0 Réserves | 0 | 322712.84589999996 | 322712.84589999996 | 0 | 0 | 365714.5379 | 365714.5379 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 696451.74804 | 696451.74804 | 0 | 0 | 612025.5729499995 | 612025.5729499995 | 0 0 | 1319164.59394 | 1319164.59394 | 0 | 1277740.1108499994 | 1277740.1108499994 7167524.373643281 | 5612376.2202699995 | 12779900.59391328 | 0.5608435152505786 | 6850835.487110994 | 5430690.34762 | 12281525.834730994 | 0.5578163152771685 *Converties au taux de 130.6244 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) 2026 | 2025 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 | 128616.43885 | 0 | 0 | 0 | 0 | 0 | 0 | 106999.01887999999 | 0.22906521748099246 | 131508.77241 | 0.09713104932784469 | 144282.35747000002 | 0.17683805392010674 | 169796.96878 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 52985.53945000001 | 0 | 0 | 0 | 0 | 0 | 0 | 39332.47579 | -0.06896181629862266 | 36620.036819999994 | 0.07661519822578952 | 39425.688200000004 | 0.2101059790758451 | 47709.26102 181601.97830000002 | 0 | 0 | 0 | 0 | 0 | 0 | 146331.49467 | 0.1489584631740168 | 168128.80923 | 0.09266250389418765 | 183708.04567000002 | 0.18397770226521606 | 217506.2298 Dépenses d'intérêt | 44999.805790000006 | 0 | 0 | 0 | 0 | 0 | 0 | 46219.382690000006 | -0.04119580161359362 | 44315.33817 | -0.00659413585400085 | 44023.11680969103 | 0.03176409376814314 | 45421.47121999998 136602.17251 | 0 | 0 | 0 | 0 | 0 | 0 | 100112.11197999999 | 0.2367481677415315 | 123813.47106000001 | 0.12818845691368802 | 139684.92886030898 | 0.23194935906143666 | 172084.75858000002 AUTRES REVENUS Commissions | 10519.37387 | 0 | 0 | 0 | 0 | 0 | 0 | 7733.189140000002 | 0.8306167680259274 | 14156.505710000005 | 0.19320046104795424 | 16891.549140000003 | -0.10051166568136341 | 15193.751400000001 Gains sur change | 4119.15329 | 0 | 0 | 0 | 0 | 0 | 0 | 4545.41855 | -0.08381955056702124 | 4164.423609999999 | -0.021668823455738125 | 4074.1854500000013 | 1.842334258495767 | 11580.196879999996 Autres | 10945.795189999999 | 0 | 0 | 0 | 0 | 0 | 0 | 7301.135190000001 | 10.465498965784798 | 83711.15797 | -0.8932078854624881 | 8939.691569999999 | -0.13930756561884378 | 7694.3249 25584.32235 | 0 | 0 | 0 | 0 | 0 | 0 | 19579.742880000005 | 4.211104554096165 | 102032.08729 | -0.7069017506718106 | 29905.426160000003 | 0.1525758902611135 | 34468.27318 PRODUIT NET BANCAIRE | 162186.49486 | 0 | 0 | 0 | 0 | 0 | 0 | 119691.85485999999 | 0.8868916236126915 | 225845.55835 | -0.24908704754118102 | 169590.35502030898 | 0.2179527057140993 | 206553.03176 Dotation à la provision pour créances douteuses | 3172.6575700000003 | 0 | 0 | 0 | 0 | 0 | 0 | 1203.0415399999983 | 18.949435827461148 | 24000 | -0.08333333333333333 | 22000 | 0.3966973831818182 | 30727.34243 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 159013.83729 | 0 | 0 | 0 | 0 | 0 | 0 | 118488.81331999999 | 0.7034988594651581 | 201845.55835 | -0.2687956265830361 | 147590.35502030898 | 0.19130880405976225 | 175825.68933000002 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 44716.64761000001 | 0 | 0 | 0 | 0 | 0 | 0 | 39260.604289999996 | 0.2302002891560691 | 48298.40675 | -0.26899623164070535 | 35306.317339999994 | 0.31038100503290894 | 46264.72760000001 Frais de locaux | 19494.949139999997 | 0 | 0 | 0 | 0 | 0 | 0 | 22474.563480000004 | -0.09179103175177686 | 20411.60011 | 0.06983101140129079 | 21836.962789999998 | 0.24371420976350913 | 27158.94092 Amortissement | 5667.413710000001 | 0 | 0 | 0 | 0 | 0 | 0 | 3453.94708 | 0.047936756460090386 | 3619.5181000000002 | -0.049881753595872144 | 3438.970190000001 | 1.6349582722029925 | 9061.54295 Autres dépenses d'exploitation | 34864.73224 | 0 | 0 | 0 | 0 | 0 | 0 | 29846.66644 | 0.3887513519583531 | 41449.59837000001 | -0.1932026771047338 | 33441.424999999996 | 0.23508730145321285 | 41303.07936 104743.7427 | 0 | 0 | 0 | 0 | 0 | 0 | 95035.78129 | 0.19722405377828198 | 113779.12333 | -0.17362981390445575 | 94023.67531999998 | 0.316565114144913 | 123788.29083000001 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 54270.09458999999 | 0 | 0 | 0 | 0 | 0 | 0 | 23453.032029999988 | 2.7550127807504663 | 88066.43502 | -0.3917469273265809 | 53566.679700309 | -0.02854911315886863 | 52037.39850000001 Impôts sur le revenu | 14652.925539999998 | 0 | 0 | 0 | 0 | 0 | 0 | 6332.318649999999 | 2.754959482337485 | 23777.59996 | -0.3917382938425042 | 14463.003520000004 | -0.10984194519507419 | 12874.359079999998 BÉNÉFICE NET | 39617.16905 | 0 | 0 | 0 | 0 | 0 | 0 | 17120.713379999987 | 2.7550324938621253 | 64288.835060000005 | -0.391750120470934 | 39103.676180309 | 0.0015180986927492725 | 39163.039420000016 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 (oct.25- déc. 25) | 2025 (oct.24-déc. 24) | 2025 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 | 128616.43885 | 0.20203381485435934 | 106999.01887999999 | 0 | 0 | 131508.77241 | 0 | 0 | 144282.35747000002 | 0 | 0 | 169796.96878 | 128616.43885 | 0.20203381485435934 | 106999.01887999999 | 552587.11754 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 52985.53945000001 | 0.3471193558446481 | 39332.47579 | 0 | 0 | 36620.036819999994 | 0 | 0 | 39425.688200000004 | 0 | 0 | 47709.26102 | 52985.53945000001 | 0.3471193558446481 | 39332.47579 | 163087.46183 181601.97830000002 | 0.24103139047093308 | 146331.49467 | 0 | 0 | 168128.80923 | 0 | 0 | 183708.04567000002 | 0 | 0 | 217506.2298 | 181601.97830000002 | 0.24103139047093308 | 146331.49467 | 715674.5793699999 Dépenses d'intérêt | 44999.805790000006 | -0.026386698156050162 | 46219.382690000006 | 0 | 0 | 44315.33817 | 0 | 0 | 44023.11680969103 | 0 | 0 | 45421.47121999998 | 44999.805790000006 | -0.026386698156050162 | 46219.382690000006 | 179979.30888969102 136602.17251 | 0.36449196613981993 | 100112.11197999999 | 0 | 0 | 123813.47106000001 | 0 | 0 | 139684.92886030898 | 0 | 0 | 172084.75858000002 | 136602.17251 | 0.36449196613981993 | 100112.11197999999 | 535695.2704803089 AUTRES REVENUS Commissions | 10519.37387 | 0.36028922603074937 | 7733.189140000002 | 0 | 0 | 14156.505710000005 | 0 | 0 | 16891.549140000003 | 0 | 0 | 15193.751400000001 | 10519.37387 | 0.36028922603074937 | 7733.189140000002 | 53974.99539000001 Gains sur change | 4119.15329 | -0.09377909983669162 | 4545.41855 | 0 | 0 | 4164.423609999999 | 0 | 0 | 4074.1854500000013 | 0 | 0 | 11580.196879999996 | 4119.15329 | -0.09377909983669162 | 4545.41855 | 24364.224489999997 Autres | 10945.795189999999 | 0.49919086623569253 | 7301.135190000001 | 0 | 0 | 83711.15797 | 0 | 0 | 8939.691569999999 | 0 | 0 | 7694.3249 | 10945.795189999999 | 0.49919086623569253 | 7301.135190000001 | 107646.30963 25584.32235 | 0.3066730501417081 | 19579.742880000005 | 0 | 0 | 102032.08729 | 0 | 0 | 29905.426160000003 | 0 | 0 | 34468.27318 | 25584.32235 | 0.3066730501417081 | 19579.742880000005 | 185985.52951000002 PRODUIT NET BANCAIRE | 162186.49486 | 0.3550336825317373 | 119691.85485999999 | 0 | 0 | 225845.55835 | 0 | 0 | 169590.35502030898 | 0 | 0 | 206553.03176 | 162186.49486 | 0.3550336825317373 | 119691.85485999999 | 721680.7999903089 Dotation à la provision pour créances douteuses | 3172.6575700000003 | 1.6371970248009928 | 1203.0415399999983 | 0 | 0 | 24000 | 0 | 0 | 22000 | 0 | 0 | 30727.34243 | 3172.6575700000003 | 1.6371970248009928 | 1203.0415399999983 | 77930.38397 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 159013.83729 | 0.34201561172323514 | 118488.81331999999 | 0 | 0 | 201845.55835 | 0 | 0 | 147590.35502030898 | 0 | 0 | 175825.68933000002 | 159013.83729 | 0.34201561172323514 | 118488.81331999999 | 643750.416020309 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 44716.64761000001 | 0.13896992719976323 | 39260.604289999996 | 0 | 0 | 48298.40675 | 0 | 0 | 35306.317339999994 | 0 | 0 | 46264.72760000001 | 44716.64761000001 | 0.13896992719976323 | 39260.604289999996 | 169130.05598 Frais de locaux | 19494.949139999997 | -0.1325771840975488 | 22474.563480000004 | 0 | 0 | 20411.60011 | 0 | 0 | 21836.962789999998 | 0 | 0 | 27158.94092 | 19494.949139999997 | -0.1325771840975488 | 22474.563480000004 | 91882.0673 Amortissement | 5667.413710000001 | 0.6408513444855678 | 3453.94708 | 0 | 0 | 3619.5181000000002 | 0 | 0 | 3438.970190000001 | 0 | 0 | 9061.54295 | 5667.413710000001 | 0.6408513444855678 | 3453.94708 | 19573.978320000002 Autres dépenses d'exploitation | 34864.73224 | 0.16812818309500954 | 29846.66644 | 0 | 0 | 41449.59837000001 | 0 | 0 | 33441.424999999996 | 0 | 0 | 41303.07936 | 34864.73224 | 0.16812818309500954 | 29846.66644 | 146040.76917 104743.7427 | 0.1021505929474745 | 95035.78129 | 0 | 0 | 113779.12333 | 0 | 0 | 94023.67531999998 | 0 | 0 | 123788.29083000001 | 104743.7427 | 0.1021505929474745 | 95035.78129 | 426626.87077000004 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 54270.09458999999 | 1.3139905544229977 | 23453.032029999988 | 0 | 0 | 88066.43502 | 0 | 0 | 53566.679700309 | 0 | 0 | 52037.39850000001 | 54270.09458999999 | 1.3139905544229977 | 23453.032029999988 | 217123.54525030893 Impôts sur le revenu | 14652.925539999998 | 1.3139905538392322 | 6332.318649999999 | 0 | 0 | 23777.59996 | 0 | 0 | 14463.003520000004 | 0 | 0 | 12874.359079999998 | 14652.925539999998 | 1.3139905538392322 | 6332.318649999999 | 57447.28121 BÉNÉFICE NET | 39617.16905 | 1.3139905546389112 | 17120.713379999987 | 0 | 0 | 64288.835060000005 | 0 | 0 | 39103.676180309 | 0 | 0 | 39163.039420000016 | 39617.16905 | 1.3139905546389112 | 17120.713379999987 | 159676.26404030895 [SGBELVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2026 | Var. | 2025 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 128616.43885 | 0.20203381485435934 | 106999.01887999999 | 552587.11754 | 0.04764291517396417 | 527457.5044 | -0.12304390802300101 | 601463.98346 | 0.19301550776639595 | 504154.37145999994 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 52985.53945000001 | 0.3471193558446481 | 39332.47579 | 163087.46183 | -8.373008194154282e-05 | 163101.1183 | 0.12574351222965155 | 144883.01867000002 | 1.1587216066983668 | 67115.19365 181601.97830000002 | 0.24103139047093308 | 146331.49467 | 715674.5793699999 | 0.03637049172132506 | 690558.6227 | -0.07474858111680707 | 746347.00213 | 0.3064707936721402 | 571269.56511 Dépenses d'intérêt | 44999.805790000006 | -0.026386698156050162 | 46219.382690000006 | 179979.30888969102 | -0.0421494197082837 | 187899.14898300503 | 0.030341267666886572 | 182365.935325958 | 0.12735606709473118 | 161764.273638875 136602.17251 | 0.36449196613981993 | 100112.11197999999 | 535695.2704803089 | 0.06572202154875462 | 502659.4737169949 | -0.10872987888501875 | 563981.0668040421 | 0.37722534616823017 | 409505.291471125 AUTRES REVENUS Commissions | 10519.37387 | 0.36028922603074937 | 7733.189140000002 | 53974.99539000001 | 1.1058693058108442 | 25630.743199999997 | 0.21178147786894663 | 21151.291439999997 | -0.05650714516171521 | 22418.072729999996 Gains sur change | 4119.15329 | -0.09377909983669162 | 4545.41855 | 24364.224489999997 | 0.6844242707621108 | 14464.422600000002 | -0.31559665270430776 | 21134.35397 | 1.7073940625777582 | 7806.161010000002 Autres | 10945.795189999999 | 0.49919086623569253 | 7301.135190000001 | 107646.30963 | 0.5004216303535962 | 71744.04011 | 0.5974789949670927 | 44910.78777 | -0.4729440636117505 | 85210.66678 25584.32235 | 0.3066730501417081 | 19579.742880000005 | 185985.52951000002 | 0.6629725506068734 | 111839.20591 | 0.282612164641297 | 87196.43317999999 | -0.24462677416270193 | 115434.90052 PRODUIT NET BANCAIRE | 162186.49486 | 0.3550336825317373 | 119691.85485999999 | 721680.7999903089 | 0.17442205153048396 | 614498.6796269949 | -0.05632691602204622 | 651177.499984042 | 0.24047941064312955 | 524940.191991125 Dotation à la provision pour créances douteuses | 3172.6575700000003 | 1.6371970248009928 | 1203.0415399999983 | 77930.38397 | 0.06936254016910645 | 72875.55066 | 1.006455391255436 | 36320.54367 | 2.282431105353218 | 11065.13511 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 159013.83729 | 0.34201561172323514 | 118488.81331999999 | 643750.416020309 | 0.1885578395592065 | 541623.1289669949 | -0.11910709734190991 | 614856.956314042 | 0.1965106071616104 | 513875.056881125 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 44716.64761000001 | 0.13896992719976323 | 39260.604289999996 | 169130.05598 | 0.044018555461015726 | 161999.09005 | 0.029894803592110417 | 157296.73505000002 | 0.1764421657291397 | 133705.455 Frais de locaux | 19494.949139999997 | -0.1325771840975488 | 22474.563480000004 | 91882.0673 | 0.0001287563873069394 | 91870.23842000001 | 0.19996180576024183 | 76560.96884 | 0.31629344127582826 | 58164.05859 Amortissement | 5667.413710000001 | 0.6408513444855678 | 3453.94708 | 19573.978320000002 | 0.2144275854443073 | 16117.863720000001 | -0.002832430853273291 | 16163.646130000005 | -0.14805086993787658 | 18972.54843 Autres dépenses d'exploitation | 34864.73224 | 0.16812818309500954 | 29846.66644 | 146040.76917 | 0.14462916398747294 | 127587.84571000002 | -0.0008839911737810833 | 127700.73202999993 | 0.5194406144074976 | 84044.56931 104743.7427 | 0.1021505929474745 | 95035.78129 | 426626.87077000004 | 0.07307257775400687 | 397575.03790000005 | 0.052559690824144356 | 377722.08204999997 | 0.2809060904063194 | 294886.63133 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 54270.09458999999 | 1.3139905544229977 | 23453.032029999988 | 217123.54525030893 | 0.5072990113373153 | 144048.09106699488 | -0.39254784217608585 | 237134.874264042 | 0.08286487592779426 | 218988.42555112502 Impôts sur le revenu | 14652.925539999998 | 1.3139905538392322 | 6332.318649999999 | 57447.28121 | 0.5237477093327 | 37701.307675900025 | -0.39922646609625784 | 62754.60809820003 | 0.061355067012540426 | 59126.87473649999 BÉNÉFICE NET | 39617.16905 | 1.3139905546389112 | 17120.713379999987 | 159676.26404030895 | 0.5014677355411178 | 106346.78339109485 | -0.39014439116662897 | 174380.26616584198 | 0.09082055864735597 | 159861.55081462505 [unibkinfin] UNIBANK (UNIBK) INDICATEURS FINANCIERS Var.déc. 25 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 269426535.0769292 | 0 | 0 | 0 | 0 | 0 | 0 | 0.021009544280569725 | 263882484.33737636 | 0.09703752761031054 | 240540982.14141735 | 0.035103946064207796 | 232383407.53702095 | 0.06253443488768318 | 218706707.19635114 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 2500000 | 0 | 3150000 | 0 | 0 | 0 | 0 Prêts nets | 44821577.71588 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0027852567937045195 | 44946766.00124 | 0.09018272789161383 | 41228653.55623999 | -0.17486826314171713 | 49966146.876399994 | -0.04315305776366303 | 52219581.492960006 Dépôts | 225153512.5416494 | 0 | 0 | 0 | 0 | 0 | 0 | 0.00935204995058144 | 223067375.30544776 | 0.10328891148785305 | 202184009.08663866 | 0.045620812223955885 | 193362648.0297467 | 0.0332075349053402 | 187147926.7207068 Avoir des Actionnaires | 23541073.62481 | 0 | 0 | 0 | 0 | 0 | 0 | 0.046792398060240686 | 22488770.14051 | 0.1102218497802687 | 20256104.8001 | 0.04383936673995961 | 19405385.00992 | 0.1784857676220703 | 16466371.96907 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 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. 25) | (oct. - déc. 24) | (janv. - mars 26) | (janv. - mars 25) | (avril - juin 26) | (avril - juin 25) | (juil. - sept. 26) | (juil. - sept. 25) | (oct. 25 - déc. 25) | (oct. 24- déc. 24) Résultats Revenus nets d'intérêt | 2306565.2591700004 | 0.14422477418685217 | 2015832.30079 | 0 | 0 | 2050356.08432 | 0 | 0 | 2026809.14675 | 0 | 0 | 2274651.52613 | 2306565.2591700004 | 0.14422477418685217 | 2015832.30079 Autres revenus | 1641871.02392 | 0.11547537771597695 | 1471902.5240000002 | 0 | 0 | 1687542.7665 | 0 | 0 | 1463240.42173 | 0 | 0 | 2131540.50592 | 1641871.02392 | 0.11547537771597695 | 1471902.5240000002 Dot. à la prov. pr créances douteuses | 174509.55236000003 | 0.3679594935912656 | 127569.23956999999 | 0 | 0 | 117873.69029 | 0 | 0 | 236181.65165999997 | 0 | 0 | 157501.04441 | 174509.55236000003 | 0.3679594935912656 | 127569.23956999999 Dépenses d'exploitation | 2449709.16561 | 0.010347066824252281 | 2424621.44549 | 0 | 0 | 2404565.5792900003 | 0 | 0 | 2109507.30416 | 0 | 0 | 2495578.2429299997 | 2449709.16561 | 0.010347066824252281 | 2424621.44549 Bénéfice (perte) net | 1052303.4832900004 | 0.388337999164804 | 757959.1453399999 | 0 | 0 | 974084.5975099998 | 0 | 0 | 911152.7322800001 | 0 | 0 | 1406854.044170001 | 1052303.4832900004 | 0.388337999164804 | 757959.1453399999 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 25) | (oct. - déc. 24) | (janv. - mars 26) | (janv. - mars 25) | (avril - juin 26) | (avril - juin 25) | (juil. - sept. 26) | (juil. - sept. 25) | (oct. 25 - déc. 25) | (oct. 24- déc. 24) | 2025 | 2024 | 2023 | 2022 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.08737474064344972 | 0.08551344390410769 | 0 | 0.08643038749024651 | 0 | 0.08175635744056615 | 0 | 0.08522267098167033 | 0.08737474064344972 | 0.08551344390410769 | 0.08522267098167033 | 0.084210618164813 | 0.08350589749755921 | 0.07528974387734151 Dépôts en % de l'actif | 0.835676829223081 | 0.8367640059776186 | 0 | 0.8465657768883847 | 0 | 0.8424525611914436 | 0 | 0.8453284645458087 | 0.835676829223081 | 0.8367640059776186 | 0.8453284645458087 | 0.8405387193761931 | 0.8320845712658815 | 0.8557027313876048 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.004525971778189713 | 0.005380708375232739 | 0 | 0.012060388771435896 | 0 | 0.007837792262899717 | 0 | 0.004306066321122609 | 0.004525971778189713 | 0.005380708375232739 | 0.004306066321122609 | 0.0055162569408632525 | 0.014016912999195625 | 0.00150175380596432 Provisions pour créances douteuses en % des prêts improductifs bruts | 6.31163837245793 | 4.912296839064194 | 0 | 2.2731468131202406 | 0 | 4.1228457583161555 | 0 | 6.568374638558733 | 6.31163837245793 | 4.912296839064194 | 6.568374638558733 | 5.035422392966732 | 1.8330676265606023 | 9.169258965939676 Prêts improductifs nets en % de l'avoir des actionnaires | -0.04711813026237679 | -0.04356080873641879 | 0 | -0.0297546599167015 | 0 | -0.047839820504948484 | 0 | -0.049317662804162936 | -0.04711813026237679 | -0.04356080873641879 | -0.049317662804162936 | -0.046602656203938074 | -0.030859638379443253 | -0.03944924059046916 Rentabilité ROA (rendement de l'actif) | 0.015785271877766755 | 0.01247274602562666 | 0 | 0.015557269971154846 | 0 | 0.014204787799657328 | 0 | 0.02157151099241643 | 0.015785271877766755 | 0.01247274602562666 | 0.016058136817353116 | 0.01290070319117264 | 0.02356083406257302 | 0.022344288908249615 ROE (rendement avoir des action.) | 0.18289064610431396 | 0.1469649866710402 | 0 | 0.18093894075540598 | 0 | 0.1689403934045022 | 0 | 0.25831202635877765 | 0.18289064610431396 | 0.1469649866710402 | 0.18949876563808726 | 0.15382824024847003 | 0.2962793081678389 | 0.3001573948726735 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8871013308233284 | 0.861419989659761 | 0 | 0.8635756758481653 | 0 | 0.8728569997642295 | 0 | 0.883940536691413 | 0.8871013308233284 | 0.861419989659761 | 0.8707467439946813 | 0.8740787500979855 | 0.8678564774472659 | 0.8223947513581819 Rendement moyen des prêts | 0.12262890693927575 | 0.12503251261197215 | 0 | 0.12211417238447403 | 0 | 0.11914329699855841 | 0 | 0.13642723378983376 | 0.12262890693927575 | 0.12503251261197215 | 0.12181341956229337 | 0.12556420320037712 | 0.11313361988764775 | 0.07746518073442459 Rendement moyen des prêts productifs | 0.12317282355609203 | 0.12571737682864695 | 0 | 0.12318505300302572 | 0 | 0.12034532082789771 | 0 | 0.13724659285564253 | 0.12317282355609203 | 0.12571737682864695 | 0.12241138654056802 | 0.12685422286581097 | 0.11400684210529684 | 0.07770523120931115 Rémunération moyenne des dépôts | 0.00523937198768192 | 0.006363339068605313 | 0 | 0.006145671603897679 | 0 | 0.005450128152574956 | 0 | 0.005426368220900423 | 0.00523937198768192 | 0.006363339068605313 | 0.005841674442403599 | 0.0059463239423811765 | 0.005786844443795254 | 0.004906166998469684 Dépenses d'exploitation en % du produit net bancaire | 0.620425148077326 | 0.6951851466047132 | 0 | 0.6432933782471133 | 0 | 0.6044347688387534 | 0 | 0.5663798183959133 | 0.620425148077326 | 0.6951851466047132 | 0.6238824484127199 | 0.6460347568688282 | 0.5523325541297847 | 0.572965483892479 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 10289.08477678176 | 9097.4498201239 | 0 | 9762.7132897682 | 0 | 9109.427911203915 | 0 | 11526.990273512101 | 10289.08477678176 | 9097.4498201239 | 9854.594510355166 | 8940.653834762783 | 13858.742975171173 | 8302.657319481008 [unibkvar] UNIBANK (UNIBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 25 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 ACTIF Disponibilités Encaisse | 2941941.64746142 | 0 | 0 | 0 | 0 | 0 | 0 | -0.32081943190044604 | 4331604.562382285 | -0.740543605225775 | 16694923.11473603 | 0.4967303288776143 | 11154262.590012066 | 1.0895019024858448 | 5338239.978026357 Avoirs à la BRH | 115300257.72524524 | 0 | 0 | 0 | 0 | 0 | 0 | 0.017593280252883408 | 113306819.10221717 | 0.24564602640610494 | 90962293.21994957 | -0.014041330009889275 | 92257714.23143116 | 0.017577021827108776 | 90664109.2049995 Avoirs à l'étranger | 14854184.097920083 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05502209382373913 | 14079500.500395916 | 0.02485576169827133 | 13738031.268970974 | -0.08120952151349041 | 14952300.432630884 | -0.11764671704269684 | 16945933.926280208 Avoirs dans les banques locales | 3685.534430002136 | 0 | 0 | 0 | 0 | 0 | 0 | 2.3538598894873686 | 1098.8933799990862 | -0.16203481653107807 | 1311.3831000113878 | -0.8335044429220758 | 7876.384950005764 | 0 | 6.375926050532144e-09 Autres liquidités | 697100.735766788 | 0 | 0 | 0 | 0 | 0 | 0 | -0.28854424474129853 | 979823.03272437 | -0.37052022235461723 | 1556559.984165771 | -0.19128484153955413 | 1924732.049203826 | 0.916883857982657 | 1004094.24451486 133797169.74082352 | 0 | 0 | 0 | 0 | 0 | 0 | 0.008276813868974924 | 132698846.09109974 | 0.07926376493533409 | 122953118.97092238 | 0.022080648784030522 | 120296885.68822795 | 0.05567684046386677 | 113952377.35382092 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 2500000 | 0 | 3150000 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 24097140 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5353728818419016 | 15694650 | 0.5389929397921162 | 10198000 | 0.8541818181818182 | 5500000 | -0.11290322580645161 | 6200000 Autres Placements | 57047133.061308056 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03221687148058613 | 58946195.05155352 | 0.0781063977035106 | 54675675.03273854 | 0.1413613843510189 | 47903911.75169052 | 0.1913120996517343 | 40211051.13067739 Portefeuille net | 44821577.71588 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0027852567937045195 | 44946766.00124 | 0.09018272789161383 | 41228653.55623999 | -0.17486826314171713 | 49966146.876399994 | -0.04315305776366303 | 52219581.492960006 Immobilisations | 4687957.63115 | 0 | 0 | 0 | 0 | 0 | 0 | -0.004217379503401284 | 4707812.262089999 | 0.060077883774294946 | 4441006.01866 | 0.08237390839534574 | 4103023.9034900004 | 0.23486149346758736 | 3322659.201209999 Autres actifs | 4975556.927767661 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13384531194511823 | 4388214.931393123 | 0.12676408981696655 | 3894528.562856447 | -0.1558296760670132 | 4613439.317212492 | 0.6470463050083847 | 2801038.017682816 269426535.0769292 | 0 | 0 | 0 | 0 | 0 | 0 | 0.021009544280569725 | 263882484.33737636 | 0.09703752761031054 | 240540982.14141735 | 0.035103946064207796 | 232383407.53702095 | 0.06253443488768318 | 218706707.19635114 PASSIF Dépôts À vue | 108654589.52282003 | 0 | 0 | 0 | 0 | 0 | 0 | 0.010159323041843134 | 107561834.10319255 | 0.12485109799259649 | 95623175.63199863 | 0.03974682417966249 | 91967749.65621388 | 0.08277525922920087 | 84937062.30569333 Épargne | 85277908.55001007 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03851923783118554 | 82114904.99502163 | 0.1341419199076842 | 72402671.61776856 | -0.030151402027704107 | 74653581.77466455 | -0.0008472307877473312 | 74716884.21933973 À terme | 31221014.468819335 | 0 | 0 | 0 | 0 | 0 | 0 | -0.06497695117124595 | 33390636.20723359 | -0.022469757983563175 | 34158161.836871475 | 0.27735527570535146 | 26741316.598868273 | -0.027375577906464586 | 27493980.195673734 225153512.5416494 | 0 | 0 | 0 | 0 | 0 | 0 | 0.00935204995058144 | 223067375.30544776 | 0.10328891148785305 | 202184009.08663866 | 0.045620812223955885 | 193362648.0297467 | 0.0332075349053402 | 187147926.7207068 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 | 12230733.6658928 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02592715684693846 | 11921639.450000001 | 0.13034169288014985 | 10546934.192636255 | 0.22079457133358266 | 8639401.288551684 | 0.3952947068635687 | 6191811.12495716 12230733.6658928 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02592715684693846 | 11921639.450000001 | 0.13034169288014985 | 10546934.192636255 | 0.22079457133358266 | 8639401.288551684 | 0.3952947068635687 | 6191811.12495716 Obligations à terme Banques locales | 3719479.83235 | 0 | 0 | 0 | 0 | 0 | 0 | 1.717170098586691 | 1368880.0102300001 | -0.27026423932538074 | 1875857.10335 | -0.4439528811151303 | 3373557.81487 | 0.3952947068635687 | 4470933.526389999 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2893304.251464653 | 0 | 0 | 0 | 0 | 0 | 0 | 0.08180325490353817 | 2674519.8245152645 | -0.184852406496049 | 3281025.2349745804 | -0.3754768786008453 | 5253648.940368953 | 1.327131149530416 | 2257564.6161708888 6612784.083814653 | 0 | 0 | 0 | 0 | 0 | 0 | 0.6354514403919345 | 4043399.8347452646 | -0.2159216422884442 | 5156882.33832458 | -0.4022535352832463 | 8627206.755238954 | 0.28218906692830137 | 6728498.142560888 Autres passifs | 1888431.1599562601 | 0 | 0 | 0 | 0 | 0 | 0 | -0.2002577084976843 | 2361299.608663739 | -0.01491503841609505 | 2397051.727261207 | 0.020557713201169905 | 2348766.46 | 0.08133478208894412 | 2172099.241515755 245885461.4513131 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01860755681797136 | 241393714.19885674 | 0.09582517469390193 | 220284877.3448607 | 0.03430802260441095 | 212978022.53353736 | 0.053093698107249274 | 202240335.22974062 AVOIR DES ACTIONNAIRES Capital versé | 12520625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12520625 | -0.0008777792185770002 | 12531625 | -0.0023822697039776143 | 12561550 | 0.993679261191735 | 6300687.5 Réserves | 2721522.46607 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0012040941624037456 | 2718249.43779 | 0.2861619890519334 | 2113458.0720999995 | 1.7379232408709515 | 771920.1329499999 | -0.6988681174322054 | 2563395.56731 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 8298926.15874 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1446959375741678 | 7249895.7027199995 | 0.2920812027053336 | 5611021.728 | -0.07590573292094535 | 6071914.87697 | -0.20130437616435562 | 7602288.901760001 23541073.62481 | 0 | 0 | 0 | 0 | 0 | 0 | 0.046792398060240686 | 22488770.14051 | 0.1102218497802687 | 20256104.8001 | 0.04383936673995961 | 19405385.00992 | 0.1784857676220703 | 16466371.96907 269426535.0761231 | 0 | 0 | 0 | 0 | 0 | 0 | 0.021009544269813846 | 263882484.33936673 | 0.09703752760242496 | 240540982.1449607 | 0.035103946050786 | 232383407.54345736 | 0.06253443490516385 | 218706707.1988106 Hors-bilan Effets à l'encaissement | 4753.824239152001 | 0 | 0 | 0 | 4756.251657588001 | -0.26295 | 4434.180791275 | 3750.073000181 Crédit documentaire | 2085129.540821244 | 0 | 0 | 0 | 1979280.0911606913 | 1935998.2137499999 | 1881109.1359275752 | 1809400.1296932271 Autres | 3114691.3816256328 | 0 | 0 | 0 | 2910169.29210137 | 3713273.41183 | 2316107.008951261 | 2151870.224273834 Portefeuille brut | 46139615.68791 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0024953207305548667 | 46255036.84023 | 0.09075173289055428 | 42406567.365839995 | -0.1731006341135394 | 51283831.03834999 | -0.03144275000816264 | 52948683.249010004 Provisions pour créances douteuses | 1318037.97203 | 0 | 0 | 0 | 0 | 0 | 0 | 0.007465681225104982 | 1308270.83899 | 0.11066771467283087 | 1177913.8096 | -0.10607272697514876 | 1317684.16195 | 0.8072705915409105 | 729101.75605 Portefeuille de crédit improductif | 208826.59846 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04844600391772293 | 199177.25632 | -0.14854413924904689 | 233925.52156999998 | -0.6745796048867272 | 718840.9979300001 | 8.040218612369747 | 79515.88659000001 0 [unibkcomp ] UNIBANK (UNIBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 25 | Comp. | Mars 26 | Comp. | Juin 26 | Comp. | Sept. 26 | Comp. | 2025 | Comp. | 2024 | Comp. | 2023 | Comp. | 2022 | Comp. ACTIF Disponibilités Encaisse | 2941941.64746142 | 0.010919272099986027 | 0 | 0 | 0 | 0 | 0 | 0 | 4331604.562382285 | 0.016414899887194807 | 16694923.11473603 | 0.06940573272009364 | 11154262.590012066 | 0.047999393365617475 | 5338239.978026357 | 0.024408213385215368 Avoirs à la BRH | 115300257.72524524 | 0.42794692695106523 | 0 | 0 | 0 | 0 | 0 | 0 | 113306819.10221717 | 0.4293836303183855 | 90962293.21994957 | 0.3781571539708422 | 92257714.23143116 | 0.39700646104319476 | 90664109.2049995 | 0.4145465421122308 Avoirs à l'étranger | 14854184.097920083 | 0.05513259521256426 | 0 | 0 | 0 | 0 | 0 | 0 | 14079500.500395916 | 0.05225728971489688 | 13738031.268970974 | 0.05711305885038 | 14952300.432630884 | 0.06434323599566305 | 16945933.926280208 | 0.0774824610708735 Avoirs dans les banques locales | 3685.534430002136 | 1.3679181335831705e-05 | 0 | 0 | 0 | 0 | 0 | 0 | 1098.8933799990862 | 4.164328613012981e-06 | 1311.3831000113878 | 5.4518073732666794e-06 | 7876.384950005764 | 3.389392140121269e-05 | 6.375926050532144e-09 | 2.915286015809267e-17 Autres liquidités | 697100.735766788 | 0.002587349963758192 | 0 | 0 | 0 | 0 | 0 | 0 | 979823.03272437 | 0.003713103714271754 | 1556559.984165771 | 0.0064710801889494565 | 1924732.049203826 | 0.008282570901268833 | 1004094.24451486 | 0.004591053733040759 133797169.74082352 | 0.4965998234087095 | 0 | 0 | 0 | 0 | 0 | 0 | 132698846.09109974 | 0.5028709898056096 | 122953118.97092238 | 0.5111524775376387 | 120296885.68822795 | 0.5176655552271454 | 113952377.35382092 | 0.5210282703013603 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2500000 | 0.009473914141280121 | 3150000 | 0.013095481576391302 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 24097140 | 0.08943862932104871 | 0 | 0 | 0 | 0 | 0 | 0 | 15694650 | 0 | 10198000 | 0 | 5500000 | 0 | 6200000 | 0 Autres Placements | 57047133.061308056 | 0.21173539215437492 | 0 | 0 | 0 | 0 | 0 | 0 | 58946195.05155352 | 0.22338047634942768 | 54675675.03273854 | 0.22730295081523344 | 47903911.75169052 | 0.20614170460538994 | 40211051.13067739 | 0.18385833542167773 Portefeuille net | 44821577.71588 | 0.16635918100302227 | 0 | 0 | 0 | 0 | 0 | 0 | 44946766.00124 | 0.17032872080958247 | 41228653.55623999 | 0.1713997057349716 | 49966146.876399994 | 0.21501598330956523 | 52219581.492960006 | 0.2387653408639094 Immobilisations | 4687957.63115 | 0.017399762164522697 | 0 | 0 | 0 | 0 | 0 | 0 | 4707812.262089999 | 0.01784056366572256 | 4441006.01866 | 0.018462575396192036 | 4103023.9034900004 | 0.01765626878001756 | 3322659.201209999 | 0.015192305914180184 Autres actifs | 4975556.927767661 | 0.01846721194832199 | 0 | 0 | 0 | 0 | 0 | 0 | 4388214.931393123 | 0.016629428597400756 | 3894528.562856447 | 0.016190706997973425 | 4613439.317212492 | 0.01985270534634675 | 2801038.017682816 | 0.012807279911942032 269426535.0769292 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 263882484.33737636 | 1 | 240540982.14141735 | 1 | 232383407.53702095 | 1 | 218706707.19635114 | 1 0 PASSIF | 0 Dépôts | 0 À vue | 108654589.52282003 | 0.4032809518624286 | 0 | 0 | 0 | 0 | 0 | 0 | 107561834.10319255 | 0.40761263246890495 | 95623175.63199863 | 0.3975338205602755 | 91967749.65621388 | 0 | 84937062.30569333 | 0.3883605738229065 Épargne | 85277908.55001007 | 0.31651636883375545 | 0 | 0 | 0 | 0 | 0 | 0 | 82114904.99502163 | 0.31117982385688364 | 72402671.61776856 | 0.3009993181752373 | 74653581.77466455 | 0.3212517733770278 | 74716884.21933973 | 0.34163051136909206 À terme | 31221014.468819335 | 0.115879508526897 | 0 | 0 | 0 | 0 | 0 | 0 | 33390636.20723359 | 0.12653600822002015 | 34158161.836871475 | 0.14200558064068028 | 26741316.598868273 | 0.11507412203949251 | 27493980.195673734 | 0.1257116461956062 225153512.5416494 | 0.835676829223081 | 0 | 0 | 0 | 0 | 0 | 0 | 223067375.30544776 | 0.8453284645458087 | 202184009.08663866 | 0.8405387193761931 | 193362648.0297467 | 0.8320845712658815 | 187147926.7207068 | 0.8557027313876048 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 | 12230733.6658928 | 0.04539543093779002 | 0 | 0 | 0 | 0 | 0 | 0 | 11921639.450000001 | 0.04517783542903919 | 10546934.192636255 | 0.04384672457367605 | 8639401.288551684 | 0.037177358659633834 | 6191811.12495716 | 0.028311025319393876 12230733.6658928 | 0.04539543093779002 | 0 | 0 | 0 | 0 | 0 | 0 | 11921639.450000001 | 0.04517783542903919 | 10546934.192636255 | 0.04384672457367605 | 8639401.288551684 | 0.037177358659633834 | 6191811.12495716 | 0.028311025319393876 Obligations à terme Banques locales | 3719479.83235 | 0.013805172646740154 | 0 | 0 | 0 | 0 | 0 | 0 | 1368880.0102300001 | 0.00518746067465347 | 1875857.10335 | 0.007798492741861168 | 3373557.81487 | 0.014517206071748298 | 4470933.526389999 | 0.020442599057449443 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2893304.251464653 | 0.01073875017781203 | 0 | 0 | 0 | 0 | 0 | 0 | 2674519.8245152645 | 0.010135268474643678 | 3281025.2349745804 | 0.013640192227391924 | 5253648.940368953 | 0.022607676666984048 | 2257564.6161708888 | 0.010322338281761455 6612784.083814653 | 0.024543922824552186 | 0 | 0 | 0 | 0 | 0 | 0 | 4043399.8347452646 | 0.015322729149297148 | 5156882.33832458 | 0.02143868496925309 | 8627206.755238954 | 0.03712488273873235 | 6728498.142560888 | 0.030764937339210898 Autres passifs | 1888431.1599562601 | 0.007009076368135222 | 0 | 0 | 0 | 0 | 0 | 0 | 2361299.608663739 | 0.008948299901727446 | 2397051.727261207 | 0.009965252930795582 | 2348766.46 | 0.010107289865890354 | 2172099.241515755 | 0.009931562087694374 245885461.4513131 | 0.9126252593535583 | 0 | 0 | 0 | 0 | 0 | 0 | 241393714.19885674 | 0.9147773290258724 | 220284877.3448607 | 0.9157893818499178 | 212978022.53353736 | 0.9164941025301382 | 202240335.22974062 | 0.924710256133904 AVOIR DES ACTIONNAIRES Capital versé | 12520625 | 0.046471387817925924 | 0 | 0 | 0 | 0 | 0 | 0 | 12520625 | 0.047447730498066165 | 12531625 | 0.052097671209442746 | 12561550 | 0.05405527930387553 | 6300687.5 | 0.028808844414375232 Réserves | 2721522.46607 | 0.010101167152273717 | 0 | 0 | 0 | 0 | 0 | 0 | 2718249.43779 | 0.010300984715282168 | 2113458.0720999995 | 0.008786270236717785 | 771920.1329499999 | 0.0033217523623196954 | 2563395.56731 | 0.011720699379414218 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 | 8298926.15874 | 0.030802185673250083 | 0 | 0 | 0 | 0 | 0 | 0 | 7249895.7027199995 | 0.027473955768321994 | 5611021.728 | 0.023326676718652472 | 6071914.87697 | 0.02612886583136399 | 7602288.901760001 | 0.03476020008355206 23541073.62481 | 0.08737474064344972 | 0 | 0 | 0 | 0 | 0 | 0 | 22488770.14051 | 0.08522267098167033 | 20256104.8001 | 0.084210618164813 | 19405385.00992 | 0.08350589749755921 | 16466371.96907 | 0.07528974387734151 269426535.0761231 | 0.9999999999970081 | 0 | 0 | 0 | 0 | 0 | 0 | 263882484.33936673 | 1.0000000000075426 | 240540982.1449607 | 1.0000000000147307 | 232383407.54345736 | 1.0000000000276974 | 218706707.1988106 | 1.0000000000112454 [unibkgdes&$] UNIBANK (UNIBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 25 | Septembre 25 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 1008204.2564614201 | 1933737.391 | 2941941.64746142 | 0.34270029024246357 | 1062278.739882285 | 3269325.8225 | 4331604.562382285 | 0.2452390850973838 Avoirs à la BRH | 76843664.28556524 | 38456593.43968 | 115300257.72524524 | 0.6664656766742002 | 77789354.91989717 | 35517464.18232 | 113306819.10221717 | 0.6865372758343986 Avoirs à l'étranger | 14854184.097920083 | 0 | 14854184.097920083 | 1 | 14079500.500395916 | 0 | 14079500.500395916 | 1 Avoirs dans les banques locales | 0 | 3685.534430002136 | 3685.534430002136 | 0 | 0 | 1098.8933799990862 | 1098.8933799990862 | 0 Autres liquidités | 309447.9979367881 | 387652.73783 | 697100.735766788 | 0.44390714578203017 | 453203.63074437 | 526619.40198 | 979823.03272437 | 0.46253620869092066 93015500.63788354 | 40781669.10294001 | 133797169.74082355 | 0.6951978193414886 | 93384337.79091975 | 39314508.300179996 | 132698846.09109974 | 0.7037313476472132 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 2500000 | 2500000 | 0 Bons du Trésor / M.E.F. | 0 | 24097140 | 24097140 | 0 | 0 | 15694650 | 15694650 | 0 Autres Placements | 43005471.36221806 | 14041661.699090004 | 57047133.06130806 | 0.753858591210893 | 45254150.094933525 | 13692044.95662 | 58946195.051553525 | 0.7677196137147593 Portefeuille net | 30281328.05955 | 14540249.65633 | 44821577.71588 | 0.6755971030627402 | 29822534.73142 | 15124231.269820001 | 44946766.00124 | 0.663507909125147 Immobilisations | 0 | 4687957.63115 | 4687957.63115 | 0 | 0 | 4707812.262089999 | 4707812.262089999 | 0 Autres actifs | 673900.2932976619 | 4301656.634469999 | 4975556.9277676605 | 0.13544218327334362 | 671525.495793123 | 3716689.4355999995 | 4388214.931393122 | 0.15302930833880884 166976200.35294923 | 102450334.72398002 | 269426535.0769293 | 0.6197466790168703 | 169132548.11306643 | 94749936.22431 | 263882484.33737642 | 0.6409388957276481 | 0 0 PASSIF | 0 Dépôts | 0 À vue | 78459676.15160002 | 30194913.37122 | 108654589.52282003 | 0.7221018136111189 | 78720018.13710256 | 28841815.966089997 | 107561834.10319255 | 0.7318582729035676 | 0 Épargne | 56371952.82277007 | 28905955.72724 | 85277908.55001007 | 0.6610381725029232 | 55244420.55464163 | 26870484.44038 | 82114904.99502163 | 0.6727697067662798 À terme | 24320935.682829335 | 6900078.78599 | 31221014.468819335 | 0.7789924862024852 | 25275221.07772359 | 8115415.12951 | 33390636.20723359 | 0.7569553608040593 159152564.65719944 | 66000947.88445 | 225153512.54164946 | 0.7068624551338456 | 159239659.76946777 | 63827715.53598 | 223067375.30544776 | 0.7138635111988912 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 | 5822464.3163928 | 6408269.3495000005 | 12230733.6658928 | 0.47605192586521594 | 6564731.3 | 5356908.08091 | 11921639.38091 | 0.5506567587098833 5822464.3163928 | 6408269.3495000005 | 12230733.6658928 | 0.47605192586521594 | 6564731.3 | 5356908.08091 | 11921639.38091 | 0.5506567587098833 Obligations à terme Banques locales | 0 | 3719479.83235 | 3719479.83235 | 0 | 0 | 1368880.0102300001 | 1368880.0102300001 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1161323.6515846523 | 1731980.5998799996 | 2893304.251464652 | 0.40138317669037593 | 1361743.005135264 | 1312776.8193799998 | 2674519.8245152635 | 0.5091542013086665 1161323.6515846523 | 5451460.432229999 | 6612784.083814652 | 0.17561796013075492 | 1361743.005135264 | 2681656.82961 | 4043399.8347452637 | 0.3367816839269012 Autres passifs | 785358.5306262601 | 1103072.62933 | 1888431.1599562601 | 0.4158788243276237 | 1897156.647303739 | 464142.96135999996 | 2361299.608663739 | 0.8034374970219645 166921711.15580317 | 78963750.29551 | 245885461.45131317 | 0.6788596209412515 | 169063290.72190678 | 72330423.40786 | 241393714.12976676 | 0.7003632689085802 AVOIR DES ACTIONNAIRES Capital versé | 0 | 12520625 | 12520625 | 0 | 0 | 12520625 | 12520625 | 0 Réserves | 0 | 2721522.46607 | 2721522.46607 | 0 | 0 | 2718249.43779 | 2718249.43779 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 8298926.15874 | 8298926.15874 | 0 | 0 | 7249895.7027199995 | 7249895.7027199995 | 0 0 | 23541073.62481 | 23541073.62481 | 0 | 0 | 22488770.14051 | 22488770.14051 | 0 0 | 0 166921711.15580317 | 102504823.92031999 | 269426535.0761232 | 0.6195444376280216 | 169063290.72190678 | 94819193.54837 | 263882484.27027678 | 0.6406764404595601 *Converties au taux de 130.6244 Gdes | *Converties au taux de 131.4767 Gdes [UNIBKRÉSULT ] UNIBANK (UNIBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2026 | 2025 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 | 1416281.90582 | 0 | 0 | 0 | 0 | 0 | 0 | 1342046.02767 | -0.019346135009300994 | 1316082.62403 | -0.04986375774725233 | 1250457.79889 | 0.192763279851561 | 1491500.14552 Intérêts sur Bons B.R.H. | 21996 | 0 | 0 | 0 | 0 | 0 | 0 | 64656.75 | 0 | 58113.07143 | -0.02485548473788512 | 56668.64287000001 | -0.1269548165553239 | 49474.28571 Autres | 1161836.84886 | 0 | 0 | 0 | 0 | 0 | 0 | 933424.3670300001 | 0.07139656752485225 | 1000067.66288 | 0.014845210550299965 | 1014913.8779 | 0.01716401602079239 | 1032333.8759600001 2600114.7546800002 | 0 | 0 | 0 | 0 | 0 | 0 | 2340127.1447 | 0.014587332879460247 | 2374263.35834 | -0.021995470088251815 | 2322040.31966 | 0.10821000195500112 | 2573308.30719 Dépenses d'intérêt | 293549.49551000004 | 0 | 0 | 0 | 0 | 0 | 0 | 324294.84391 | -0.0011951157944020373 | 323907.27402 | -0.08853182194429327 | 295231.17290999996 | 0.011603138368604207 | 298656.78106 2306565.2591700004 | 0 | 0 | 0 | 0 | 0 | 0 | 2015832.30079 | 0.017126317261842716 | 2050356.08432 | -0.01148431618784362 | 2026809.14675 | 0.12228205096538898 | 2274651.52613 AUTRES REVENUS Commissions | 718972.0491800001 | 0 | 0 | 0 | 0 | 0 | 0 | 667437.9279000002 | -0.07788107092377941 | 615457.1473 | 0.135090269833966 | 698599.4193999999 | 0.4489603395023953 | 1012242.8519100001 Gains sur change | 421237.54646 | 0 | 0 | 0 | 0 | 0 | 0 | 396445.88928999996 | 0.11413021287982701 | 441692.34303 | -0.22405774241207127 | 342727.75381 | 0.25842632881462235 | 431297.62901000003 Autres | 501661.42828 | 0 | 0 | 0 | 0 | 0 | 0 | 408018.70681 | 0.5450107204607949 | 630393.27617 | -0.3307142311489035 | 421913.24852 | 0.6306670326504017 | 688000.0249999999 1641871.02392 | 0 | 0 | 0 | 0 | 0 | 0 | 1471902.5240000002 | 0.14650443149861714 | 1687542.7665 | -0.13291653949322288 | 1463240.42173 | 0.4567260952235475 | 2131540.50592 0 PRODUIT NET BANCAIRE | 3948436.2830900005 | 0 | 0 | 0 | 0 | 0 | 0 | 3487734.82479 | 0.07172679076743241 | 3737898.85082 | -0.06630711322903457 | 3490049.56848 | 0.2625012755818831 | 4406192.0320500005 0 Dotation à la provision pour créances douteuses | 174509.55236000003 | 0 | 0 | 0 | 0 | 0 | 0 | 127569.23956999999 | -0.07600225032837822 | 117873.69029 | 1.003684207043417 | 236181.65165999997 | -0.3331359853612431 | 157501.04441 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 3773926.7307300004 | 0 | 0 | 0 | 0 | 0 | 0 | 3360165.58522 | 0.07733534813076376 | 3620025.16053 | -0.10114770684532805 | 3253867.91682 | 0.30573554190000435 | 4248690.987640001 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1265007.12018 | 0 | 0 | 0 | 0 | 0 | 0 | 1228648.64826 | -0.04202400360194242 | 1177015.91304 | -0.09835286232537611 | 1061253.02899 | -0.051631104150673235 | 1006459.3633199999 Frais de locaux | 80441.12906 | 0 | 0 | 0 | 0 | 0 | 0 | 91475.30219 | 0.06934803524151113 | 97818.93467 | -0.08324450871879452 | 89676.04551 | -0.12237500803685909 | 78701.93872 Amortissement | 184074.30138999998 | 0 | 0 | 0 | 0 | 0 | 0 | 193117.06337 | -0.04164969723358724 | 185073.79615 | 0.019640036005172615 | 188708.65217 | 0.024164174125371328 | 193268.6409 Autres dépenses d'exploitation | 920186.61498 | 0 | 0 | 0 | 0 | 0 | 0 | 911380.4316700001 | 0.036512199081370024 | 944656.9354300001 | -0.18502733784560463 | 769869.5774899999 | 0.5809798640936813 | 1217148.29999 2449709.16561 | 0 | 0 | 0 | 0 | 0 | 0 | 2424621.44549 | -0.008271751550043073 | 2404565.5792900003 | -0.12270751842714256 | 2109507.30416 | 0.18301474377863428 | 2495578.2429299997 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1324217.5651200004 | 0 | 0 | 0 | 0 | 0 | 0 | 935544.1397299999 | 0.2992006786454608 | 1215459.5812399997 | -0.05849554331330802 | 1144360.61266 | 0.5319583052015325 | 1753112.7447100012 Impôts sur le revenu | 271914.08183 | 0 | 0 | 0 | 0 | 0 | 0 | 177584.99439 | 0.3592082177839236 | 241374.98372999998 | -0.03383574894047696 | 233207.88038 | 0.4847641510903904 | 346258.70054 BÉNÉFICE NET (PERTE NETTE) | 1052303.4832900004 | 0 | 0 | 0 | 0 | 0 | 0 | 757959.1453399999 | 0.2851412948821296 | 974084.5975099998 | -0.06460615986626726 | 911152.7322800001 | 0.544037562889808 | 1406854.044170001 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 (oct.25- déc. 25) | 2025 (oct.24-déc. 24) | 2025 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 | 1416281.90582 | 0.055315448665262994 | 1342046.02767 | 0 | 0 | 1316082.62403 | 0 | 0 | 1250457.79889 | 0 | 0 | 1491500.14552 | 1416281.90582 | 0.055315448665262994 | 1342046.02767 | 5400086.59611 Intérêts sur Bons B.R.H. | 21996 | -0.6598035007945806 | 64656.75 | 0 | 0 | 58113.07143 | 0 | 0 | 56668.64287000001 | 0 | 0 | 49474.28571 | 21996 | -0.6598035007945806 | 64656.75 | 228912.75001000002 Autres | 1161836.84886 | 0.24470379164920472 | 933424.3670300001 | 0 | 0 | 1000067.66288 | 0 | 0 | 1014913.8779 | 0 | 0 | 1032333.8759600001 | 1161836.84886 | 0.24470379164920472 | 933424.3670300001 | 3980739.7837699996 2600114.7546800002 | 0.11109977958626266 | 2340127.1447 | 0 | 0 | 2374263.35834 | 0 | 0 | 2322040.31966 | 0 | 0 | 2573308.30719 | 2600114.7546800002 | 0.11109977958626266 | 2340127.1447 | 9609739.129889999 Dépenses d'intérêt | 293549.49551000004 | -0.09480677530763508 | 324294.84391 | 0 | 0 | 323907.27402 | 0 | 0 | 295231.17290999996 | 0 | 0 | 298656.78106 | 293549.49551000004 | -0.09480677530763508 | 324294.84391 | 1242090.0718999999 2306565.2591700004 | 0.14422477418685217 | 2015832.30079 | 0 | 0 | 2050356.08432 | 0 | 0 | 2026809.14675 | 0 | 0 | 2274651.52613 | 2306565.2591700004 | 0.14422477418685217 | 2015832.30079 | 8367649.057989999 AUTRES REVENUS Commissions | 718972.0491800001 | 0.07721185615289308 | 667437.9279000002 | 0 | 0 | 615457.1473 | 0 | 0 | 698599.4193999999 | 0 | 0 | 1012242.8519100001 | 718972.0491800001 | 0.07721185615289308 | 667437.9279000002 | 2993737.3465100005 Gains sur change | 421237.54646 | 0.06253478176908257 | 396445.88928999996 | 0 | 0 | 441692.34303 | 0 | 0 | 342727.75381 | 0 | 0 | 431297.62901000003 | 421237.54646 | 0.06253478176908257 | 396445.88928999996 | 1612163.6151400001 Autres | 501661.42828 | 0.22950595133768245 | 408018.70681 | 0 | 0 | 630393.27617 | 0 | 0 | 421913.24852 | 0 | 0 | 688000.0249999999 | 501661.42828 | 0.22950595133768245 | 408018.70681 | 2148325.2565 1641871.02392 | 0.11547537771597695 | 1471902.5240000002 | 0 | 0 | 1687542.7665 | 0 | 0 | 1463240.42173 | 0 | 0 | 2131540.50592 | 1641871.02392 | 0.11547537771597695 | 1471902.5240000002 | 6754226.218150001 PRODUIT NET BANCAIRE | 3948436.2830900005 | 0.13209188239468286 | 3487734.82479 | 0 | 0 | 3737898.85082 | 0 | 0 | 3490049.56848 | 0 | 0 | 4406192.0320500005 | 3948436.2830900005 | 0.13209188239468286 | 3487734.82479 | 15121875.27614 Dotation à la provision pour créances douteuses | 174509.55236000003 | 0.3679594935912656 | 127569.23956999999 | 0 | 0 | 117873.69029 | 0 | 0 | 236181.65165999997 | 0 | 0 | 157501.04441 | 174509.55236000003 | 0.3679594935912656 | 127569.23956999999 | 639125.62593 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 3773926.7307300004 | 0.12313712970871657 | 3360165.58522 | 0 | 0 | 3620025.16053 | 0 | 0 | 3253867.91682 | 0 | 0 | 4248690.987640001 | 3773926.7307300004 | 0.12313712970871657 | 3360165.58522 | 14482749.65021 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1265007.12018 | 0.02959224508283199 | 1228648.64826 | 0 | 0 | 1177015.91304 | 0 | 0 | 1061253.02899 | 0 | 0 | 1006459.3633199999 | 1265007.12018 | 0.02959224508283199 | 1228648.64826 | 4473376.95361 Frais de locaux | 80441.12906 | -0.12062461523309667 | 91475.30219 | 0 | 0 | 97818.93467 | 0 | 0 | 89676.04551 | 0 | 0 | 78701.93872 | 80441.12906 | -0.12062461523309667 | 91475.30219 | 357672.22109 Amortissement | 184074.30138999998 | -0.04682528732675815 | 193117.06337 | 0 | 0 | 185073.79615 | 0 | 0 | 188708.65217 | 0 | 0 | 193268.6409 | 184074.30138999998 | -0.04682528732675815 | 193117.06337 | 760168.15259 Autres dépenses d'exploitation | 920186.61498 | 0.009662466961095002 | 911380.4316700001 | 0 | 0 | 944656.9354300001 | 0 | 0 | 769869.5774899999 | 0 | 0 | 1217148.29999 | 920186.61498 | 0.009662466961095002 | 911380.4316700001 | 3843055.2445799997 2449709.16561 | 0.010347066824252281 | 2424621.44549 | 0 | 0 | 2404565.5792900003 | 0 | 0 | 2109507.30416 | 0 | 0 | 2495578.2429299997 | 2449709.16561 | 0.010347066824252281 | 2424621.44549 | 9434272.57187 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1324217.5651200004 | 0.4154517236377243 | 935544.1397299999 | 0 | 0 | 1215459.5812399997 | 0 | 0 | 1144360.61266 | 0 | 0 | 1753112.7447100012 | 1324217.5651200004 | 0.4154517236377243 | 935544.1397299999 | 5048477.078340001 Impôts sur le revenu | 271914.08183 | 0.5311771288110125 | 177584.99439 | 0 | 0 | 241374.98372999998 | 0 | 0 | 233207.88038 | 0 | 0 | 346258.70054 | 271914.08183 | 0.5311771288110125 | 177584.99439 | 998426.55904 BÉNÉFICE NET (PERTE NETTE) | 1052303.4832900004 | 0.388337999164804 | 757959.1453399999 | 0 | 0 | 974084.5975099998 | 0 | 0 | 911152.7322800001 | 0 | 0 | 1406854.044170001 | 1052303.4832900004 | 0.388337999164804 | 757959.1453399999 | 4050050.5193000017 [UNIBKVARAN ] UNIBANK (UNIBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2026 | Var. | 2025 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1416281.90582 | 0.055315448665262994 | 1342046.02767 | 5400086.59611 | -0.08194269821582244 | 5882080.111574 | -0.0023779637595377147 | 5896100.82566 | 0.6069468825982995 | 3669132.37115 Intérêts sur Bons B.R.H. | 21996 | -0.6598035007945806 | 64656.75 | 228912.75001000002 | 0 | 60574.75 | 0 | 0 | 0 | 0 Autres | 1161836.84886 | 0.24470379164920472 | 933424.3670300001 | 3980739.7837699996 | 0.17194043991408706 | 3396708.26963 | 0.3946194413108697 | 2435580.75344 | 1.2553549290930437 | 1079910.18266 2600114.7546800002 | 0.11109977958626266 | 2340127.1447 | 9609739.129889999 | 0.02895015376183824 | 9339363.131204 | 0.12094575897280645 | 8331681.5791 | 0.7543918557680149 | 4749042.55381 Dépenses d'intérêt | 293549.49551000004 | -0.09480677530763508 | 324294.84391 | 1242090.0718999999 | 0.05617723572773335 | 1176024.27877 | 0.06816352641038065 | 1100977.7526500002 | 0.3053190799927057 | 843454.8835799999 2306565.2591700004 | 0.14422477418685217 | 2015832.30079 | 8367649.057989999 | 0.02502777469479674 | 8163338.852434 | 0.12898260644730192 | 7230703.82645 | 0.8513740919363828 | 3905587.6702300003 AUTRES REVENUS Commissions | 718972.0491800001 | 0.07721185615289308 | 667437.9279000002 | 2993737.3465100005 | 0.10563321250121337 | 2707712.93107 | 0.029393823026415963 | 2630395.5497900005 | 0.27368200922791636 | 2065190.1579300002 Gains sur change | 421237.54646 | 0.06253478176908257 | 396445.88928999996 | 1612163.6151400001 | -0.0648050817927983 | 1723879.78565 | -0.36679732130249887 | 2722477.08932 | -0.0388297780549785 | 2832460.91812 Autres | 501661.42828 | 0.22950595133768245 | 408018.70681 | 2148325.2565 | 0.4494870959926998 | 1482127.89368 | -0.4705983193926729 | 2799628.2368799997 | 0.2525492928015777 | 2235144.15997 1641871.02392 | 0.11547537771597695 | 1471902.5240000002 | 6754226.218150001 | 0.14212805492905256 | 5913720.6104 | -0.2746126985626523 | 8152500.875990001 | 0.14296017286751403 | 7132795.236020001 PRODUIT NET BANCAIRE | 3948436.2830900005 | 0.13209188239468286 | 3487734.82479 | 15121875.27614 | 0.07422116927647454 | 14077059.462834 | -0.08490722608656613 | 15383204.702440001 | 0.39361035335437916 | 11038382.90625 Dotation à la provision pour créances douteuses | 174509.55236000003 | 0.3679594935912656 | 127569.23956999999 | 639125.62593 | -0.3982736363701208 | 1062153.2719200002 | 1.0371129732277582 | 521401.26045 | 3.7968290200286745 | -186425.86183 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 3773926.7307300004 | 0.12313712970871657 | 3360165.58522 | 14482749.65021 | 0.1127817164230299 | 13014906.190914001 | -0.12427140880210023 | 14861803.441990001 | 0.3240139541844603 | 11224808.76808 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1265007.12018 | 0.02959224508283199 | 1228648.64826 | 4473376.95361 | 0.1034399513910283 | 4054028.44801 | 0.05510592143531269 | 3842295.22899 | 0.2969862958212676 | 2962479.43511 Frais de locaux | 80441.12906 | -0.12062461523309667 | 91475.30219 | 357672.22109 | -0.037251279067836256 | 371511.49964 | -0.07680041489773225 | 402417.31651000003 | 0.40340510372852617 | 286743.51791999995 Amortissement | 184074.30138999998 | -0.04682528732675815 | 193117.06337 | 760168.15259 | -0.013123006814507739 | 770276.4963 | 0.2980467808954709 | 593411.96915 | 0.12983185285600465 | 525221.4899500001 Autres dépenses d'exploitation | 920186.61498 | 0.009662466961095002 | 911380.4316700001 | 3843055.2445799997 | -0.014210250965984059 | 3898453.24355 | 0.06558198374172401 | 3658520.2293499997 | 0.4346193216755654 | 2550167.96029 2449709.16561 | 0.010347066824252281 | 2424621.44549 | 9434272.57187 | 0.03738649677800191 | 9094269.6875 | 0.07033658126309453 | 8496644.743999999 | 0.3434253677912339 | 6324612.40327 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1324217.5651200004 | 0.4154517236377243 | 935544.1397299999 | 5048477.078340001 | 0.2876677228159005 | 3920636.5034140013 | -0.38404732867822056 | 6365158.697990002 | 0.2989599240757782 | 4900196.36481 Impôts sur le revenu | 271914.08183 | 0.5311771288110125 | 177584.99439 | 998426.55904 | 0.14747440568112688 | 870107.9118600001 | -0.17221588511279878 | 1051129.0277399998 | 1.4514879746382214 | 428771.84739000007 BÉNÉFICE NET (PERTE NETTE) | 1052303.4832900004 | 0.388337999164804 | 757959.1453399999 | 4050050.5193000017 | 0.3276553219377708 | 3050528.591554001 | -0.42594814465714365 | 5314029.670250002 | 0.1884422178094114 | 4471424.51742 [pageint.sect5] SECTION 5 RESPECT DES NORMES PRUDENTIELLES LIMITE RELATIVE À LA POSITION NETTE DE CHANGE DES BANQUES LIMITES SUR LA CONCENTRATION DES RISQUES DE CRÉDIT CLASSIFICATION DES PRÊTS SUFFISANCE DES FONDS PROPRES [posinette] Circulaire 81-3 - POSITION NETTE DE CHANGE DES BANQUES AU 31 mars 2016 Circulaire 81-6 - POSITION NETTE DE CHANGE DES BANQUES Trim 1 2026 | Trim 4 2025 Octobre | Nombre de jours de dépassement | Novembre | Nombre de jours de dépassement | Décembre | Nombre de jours de dépassement | Juillet | Nombre de jours de dépassement | Août | Nombre de jours de dépassement | Septembre | Nombre de jours de dépassement BNC | 0.003 | 0 | 0.0036 | 0 | 0.0017 | 0 | BNC | 0.004 | 0 | 0 | 0 | 0.0018 | 0 BPH | 0.0441 | 0 | 0.0623 | 0 | 0.087 | 0 | BPH | 0.0402 | 0 | 0.036 | 0 | 0.0406 | 0 BUH | 0.0041 | 0 | 0.0016 | 0 | 0.0013 | 0 | BUH | 0.0036 | 0 | 0.002 | 0 | 0.0001 | 0 CAPITALBK | 0.0067 | 0 | 0.0016 | 0.0007 | 0 | CAPITALBK | 0.0016 | 0 | 0.0008 | 0 | 0 CBNA | 0 | 0 | 0 | CBNA | 0 | 0 | 0 SCOTIA | 0 | 0 | SCOTIA | 0 | 0 SOGEBK | 0.0018 | 0.0006 | 0 | 0.0025 | 0 | SOGEBK | 0.0008 | 0.0008 | 0 | 0.0031 | 0 SOGEBL | 0.0005 | 0 | 0.0037 | 0 | 0.0011 | 0 | SOGEBL | 0.0003 | 0 | 0.0003 | 0 | 0.0044 | 0 UNIBK | 0.0037 | 0 | 0.0059 | 0 | 0.0023 | 0 | UNIBK | 0.0024 | 0 | 0.0027 | 0 | 0.0031 | 0 1 Position de chaque banque le dernier jour du mois [Apparentés déc. 25] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES Au 31 DECEMBRE 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 | 69 | 347608689.8962001 | 2 | 1512496318.5818 | 0 | 0 | 71 | 1860105008.4780002 | 0.18687584212281924 | 0.8131241578771807 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 10 | 181616811.23371902 | 1 | 286792348.198048 | 2 | 882239669.716812 | 13 | 1350648829.1485791 | 0.13446634485161216 | 0.21233672440143891 | 0.6531969307469488 | 0.9999999999999999 CAPITALBK | 12 | 972960390 | 1 | 584622780 | 0 | 0 | 13 | 1557583170 | 0.6246603126817298 | 0.37533968731827017 | 0 | 1 SOGEBK | 16 | 1311325376.7937799 | 0 | 0 | 0 | 0 | 16 | 1311325376.7937799 | 1 | 0 | 0 | 1 SOGEBL | 4 | 27736854.900875 | 1 | 98980859.44953626 | 1 | 101416017.40296365 | 6 | 228133731.75337493 | 0.12158155958655013 | 0.433872091990938 | - | 0.5554536515774882 UNIBK | 10 | 1119202410 | 0 | 0 | 0 | 0 | 10 | 1119202410 | 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 | 1860105008.4780002 | 9464260644.89 | 0.19653991772535548 BPH | 0 | 1441734570 | 0 BUH | 1350648829.1485791 | 3600348460 | 0.37514391847187456 CAPITALBK | 1557583170 | 7576705000 | 0.20557526919683425 SOGEBK | 1311325376.7937799 | 12214026000 | 0.10736225522966628 SOGEBL | 228133731.75337493 | 1103945897.3300002 | 0.20665300021055236 UNIBK | 1119202410 | 21927407760 | 0.05104125495589361 CBNA | 0 | 0 | #DIV/0! SCOTIABK | 0 | 0 | 0 [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 déc. 25] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 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 | 652748126.039788 | 1 | 1170416756.5956879 | 2 | 1823164882.6354759 | 0.35803022110441707 | 0.6419697788955829 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 1884010700.2752502 | 9 | 4763242980.202845 | 0 | 15 | 6647253680.478095 | 0.28342692950146975 | 0.7165730704985303 | 0 | 1 CAPITALBK | 5 | 2745451810 | 1 | 1438571069.9999998 | 0 | 0 | 6 | 4184022880 | 0.656175142617767 | 0.343824857382233 | 0 | 1 SOGEBK | 3 | 3462360170 | 5 | 9209944400 | 8 | 12672304570 | 0.2732226132093351 | 0.7267773867906648 | 0 | 1 SOGEBL | 0 | 0 | 3 | 433256512.6842464 | 0 | 0 | 3 | 433256512.6842464 | 0 | 1 | 0 | 1 UNIBK | 0 | 0 | 5 | 13838098469.999998 | 0 | 0 | 5 | 13838098469.999998 | 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. 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' activitésdéc. 25] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 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 | 4161.24 | 1.52 | 0 | 0 | 4162.76 200 | Agriculture & Sylviculture | 959292.93 | 0 | 46374.36056 | 0 | 0 | 2.35 | 0 | 0 | 1005669.6405600001 300 | Pêcherie et Aquaculture | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 400 | Industrie alimentaire (sauf boisson) | 1484556.67 | 755.6581600000001 | 1219793.34390323 | 2393531.48186424 | 4369715.880000001 | 761308.6000000001 | 74091.34894317601 | 0 | 10303752.982870646 410 | Industrie des boissons | 0 | 0 | 349714.75770406 | 2151193.571404632 | 1467087.97 | 322053.73 | 0 | 0 | 4290050.029108692 420 | Industrie du bois | 0 | 0 | 0 | 31161.998194019998 | 855.45 | 10226.85 | 0 | 0 | 42244.29819402 430 | Industrie chimique | 0 | 0 | 20507.80667 | 31065.661717896004 | 8968.33 | 50520.18 | 0 | 0 | 111061.978387896 440 | Industrie textile | 759.45 | 0 | 1071 | 36038.767412639994 | 66831.2 | 320681.14 | 0 | 0 | 425381.55741264 450 | Industrie pharmaceutique | 0 | 0 | 34241.5219 | 15828.69241 | 134464.98 | 53706.32 | 0 | 0 | 238241.51431 460 | Imprimerie, Edition | 3535.82 | 0 | 16300 | 38955.22451706001 | 59003.26 | 20811.51 | 0 | 0 | 138605.81451706 470 | Sidérurgie, Aciérie | 24894.8 | 0 | 75312.2 | 1006324.8795023802 | 0 | 520431.97 | 0 | 0 | 1626963.8495023802 480 | Industrie de la fabrication | 2966.75 | 909.9513199999999 | 2142 | 2339443.1485766224 | 491431.63 | 17620.31 | 0 | 0 | 2854513.7898966223 490 | Autres Industries | 0 | 0 | 0 | 0 | 1145834.1599999997 | 473427.85 | 0 | 0 | 1619262.0099999998 500 | Production et distribution de l'électricité | 90.09 | 0 | 0 | 449898.66040348803 | 0 | 2887.92 | 0 | 0 | 452876.67040348804 600 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 17404.45 | 13206.990000000002 | 0 | 0 | 30611.440000000002 700 | Production et distribution de l' eau | 255.79 | 0 | 31124.88 | 243952.12164194402 | 31323.51 | 15811.03 | 0 | 0 | 322467.33164194407 800 | Entrepreneurs en bâtiment et corps de métiers correspondants | 310503.85 | 82210.3083 | 2487084.30531833 | 2807603.33331184 | 632333.32 | 284529.42 | 0 | 0 | 6604264.53693017 900 | Commerce de gros | 2265212.3699999996 | 349317.16010000004 | 7767598.76945432 | 9242107.097378356 | 15536479.43 | 1849560.3 | 0 | 0 | 37010275.12693267 1000 | Commerce de détail | 800455.18 | 476468.4337 | 2234315.9445737298 | 2347364.6237762724 | 8292354.699999999 | 663557.32 | 0 | 0 | 14814516.202050002 1100 | Restaurants, débits de boissons, casinos et activités de loterie | 40423.92 | 0 | 4675 | 0 | 59692.9 | 2627.43 | 0 | 0 | 107419.25 1200 | Hôtels, motels et pensions | 2473884.7199999997 | 0 | 0 | 878527.95491274 | 388118.42 | 79942.01999999999 | 143047.83288260002 | 0 | 3963520.9477953394 1300 | Transport | 18553.59 | 122340.26542 | 214560.20204442702 | 374142.9266572881 | 913218.54 | 18482.07 | 0 | 0 | 1661297.5941217153 1400 | Promotion et Développement Immobilier Résidentiel | 198299.56 | 0 | 347682.035371826 | 271907.58006 | 2788865.45 | 689976.52 | 3660324.857578718 | 0 | 7957056.003010544 1500 | Promotion et Développement Immobilier Commercial | 2129442.54 | 0 | 1198462.6576149098 | 0 | 1866921.42 | 190280.34 | 1038654.2447535839 | 0 | 6423761.202368494 1600 | Télécommunications | 4042.97 | 0 | 67429.56350053201 | 26124.88 | 1527965.29 | 7299.290000000001 | 0 | 0 | 1632861.9935005321 1700 | Services financiers | 366326.15 | 0 | 818946.475195355 | 1391067.202222512 | 98506.8 | 1361957.3299999998 | 0 | 0 | 4036803.957417867 1710 | Services professionnels | 109532.62000000001 | 0 | 144560.64871607898 | 82884.491876668 | 350185.80000000005 | 545275.3300000001 | 0 | 0 | 1232438.8905927471 1720 | Services médicaux | 30750.02 | 0 | 2950.17715 | 8769.35453 | 62287.14 | 60714.42999999999 | 0 | 0 | 165471.12167999998 1730 | Services d’agence ou de représentation | 454.04 | 775.39098 | 113422.832327688 | 98101.15432530001 | 79631.64 | 5820.79 | 0 | 0 | 298205.847632988 1740 | Services d'enseignement | 27952.56 | 0 | 1500 | 8601.012751644 | 130502.08 | 252.23 | 0 | 0 | 168807.882751644 1750 | Autres services | 33242.93 | 8211.009610000001 | 18554.337597204 | 127384.53463407117 | 2598295.79 | 362236.26 | 44870.689109728 | 0 | 3192795.5509510036 1800 | Administration publique et défense ; sécurité sociale obligatoire | 886561.89 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 886561.89 1900 | Activités des organisations associatives | 311.84 | 0 | 1037.841 | 0 | 0 | 15.93 | 0 | 0 | 1365.6109999999999 2000 | Activités des organisations et organismes extraterritoriaux | 0 | 0 | 426.82843755 | 0 | 0 | 0 | 0 | 0 | 426.82843755 Total | 12172303.049999997 | 1040988.17759 | 17219789.489039235 | 26401980.354081612 | 43122440.78 | 8705225.28 | 4960988.973267806 | 0 | 0 | 113623716.10397868 (1) Commerce de gros 1. Import-Export | 738802.6 | 11582.652320000001 | 534114.547932064 | 1585183.4071542667 | 4503589.03 | 223239.99999999997 | 0 | 7596512.237406331 2. Produits Pétroliers | 783746.4 | 1397819.31132634 | 1280424.9605615519 | 625311.38 | 2870 | 0 | 4090172.051887892 3. Produits Pharmaceutiques | 0 | 13062.44 | 79318.08433774 | 186396.63 | 9070 | 0 | 287847.15433774004 4. Produits Alimentaires | 512194.6 | 15921.73398 | 3871175.5337406504 | 2737547.8430429357 | 2914466.13 | 871470 | 0 | 10922775.840763588 5. Matériaux de Construction | 171012.81 | 206093.80516999998 | 1533026.5226150802 | 82662.07765641602 | 4929324.49 | 697310 | 0 | 7619429.705441496 9. Autres | 59455.95 | 115718.96862999999 | 418400.413840181 | 3476970.724625448 | 2377391.87 | 45600 | 0 | 6493537.927095629 0 S-Total | 2265212.3600000003 | 349317.1601 | 7767598.769454316 | 9242107.097378358 | 15536479.530000001 | 1849560 | 0 | 0 | 0 | 37010274.91693268 (2) Commerce de détail 1. Produits Pétroliers | 91519.01 | 75020.215922796 | 20679.849194204002 | 223982.8 | 106520 | 517721.87511699996 2. Produits Pharmaceutiques | 0 | 6000 | 19048.68 | 1410 | 0 | 26458.68 3. Véhicules automobiles | 182039.93 | 161547.35961185 | 811781.075636624 | 1692613.97 | 100990 | 0 | 2948972.335248474 4. Produits Alimentaires | 224821.98 | 1503067.89851932 | 265118.397810272 | 1667870.87 | 183760 | 0 | 3844639.146329592 5. Librairie, Papeterie | 0 | 0 | 47163.67319398 | 81077.14 | 0 | 0 | 128240.81319398 6. Appareils électroménagers, électroniques et équipements informatiques | 1293.51 | 209732.759013284 | 322208.93823800003 | 1077212.8800000001 | 245840 | 0 | 1856288.0872512842 7. Matériaux de constrution | 54330.61 | 30001.330004519 | 49791.332474516 | 1232822.66 | 20 | 0 | 1366965.9324790349 9. Autres | 246450.14 | 476308.68494 | 249500.44490530802 | 830621.3572286757 | 2297725.7 | 25000 | 0 | 0 | 4125606.327073984 S-Total | 800455.18 | 476308.68494 | 2234870.007977077 | 2347364.623776272 | 8292354.700000001 | 663540 | 0 | 0 | 0 | 14814893.19669335 INFORMATIONS ADDITIONNELLES Prêts à la consommation | 3158609.04214005 | 55014.70942 | 940506.34564 | 2313567.139487264 | 758529.34 | 3929713.71 | 26877.09600854 | 11182817.382695854 Prêts au logement | 1703498.3654799983 | 177796.43675999998 | 1027176.2914400001 | 337161.40184670803 | 3756403.59 | 689976.52 | 3660324.857578721 | 11352337.463105427 Prêts Immobiliers Commerciaux | 1352485.4820400001 | 35817.03832 | 148966.184084484 | 2829616.654756696 | 6396744.32 | 270222.36 | 879938.3147535842 | 11913790.353954764 Crédit totaux | 18386895.939660046 | 1309616.36209 | 19336438.310203716 | 31882325.550172277 | 54034118.03000001 | 13595137.869999997 | 9528129.241608651 | 0 | 0 | 148072661.30373472 [Secteur d'activitésdéc. 25%] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 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 | 7.701134304976828e-05 | 1.1180467712314567e-07 | 0 | #DIV/0! | 3.6636365564655525e-05 200 | Agriculture & Sylviculture | 0.05217264149142383 | 0 | 0.0023982886515107873 | 0 | 0 | 1.728559152890739e-07 | 0 | #DIV/0! | 0.008850877924461629 300 | Pêcherie et Aquaculture | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 400 | Industrie alimentaire (sauf boisson) | 0.08073992885323567 | 0.0005770072685973891 | 0.06308262795530203 | 0.07507393016540183 | 0.080869569807245 | 0.05599859356189083 | 0.0077760646465231025 | #DIV/0! | 0.09068311912489761 410 | Industrie des boissons | 0 | 0 | 0.0180857897454423 | 0.06747291906355332 | 0.027151141232387016 | 0.02368889032825969 | 0 | #DIV/0! | 0.03775664250571427 420 | Industrie du bois | 0 | 0 | 0 | 0.0009774066871308142 | 1.5831663978026808e-05 | 0.0007522431988400279 | 0 | #DIV/0! | 0.0003717912038307358 430 | Industrie chimique | 0 | 0 | 0.0010605782896004256 | 0.0009743850607449851 | 0.00016597531942726888 | 0.0037160476401994747 | 0 | #DIV/0! | 0.000977454198789464 440 | Industrie textile | 4.130387219747552e-05 | 0 | 5.538765634180107e-05 | 0.0011303682147002373 | 0.0012368333644845464 | 0.023587928498146234 | 0 | #DIV/0! | 0.0037437743808992068 450 | Industrie pharmaceutique | 0 | 0 | 0.001770828802630677 | 0.0004964723286916713 | 0.002488519937076504 | 0.003950406425705487 | 0 | #DIV/0! | 0.002096758691574405 460 | Imprimerie, Edition | 0.0001923010828800815 | 0 | 0.0008429680657062161 | 0.0012218438851255475 | 0.0010919630439279327 | 0.0015308053657862612 | 0 | #DIV/0! | 0.0012198669368481123 470 | Sidérurgie, Aciérie | 0.0013539425078434569 | 0 | 0.00389483310172268 | 0.0315637225998071 | 0 | 0.038280742348955676 | 0 | #DIV/0! | 0.014318875541911712 480 | Industrie de la fabrication | 0.00016135132377623342 | 0.0006948228094430802 | 0.00011077531268360214 | 0.07337743116935148 | 0.009094839481365361 | 0.0012960743883945625 | 0 | #DIV/0! | 0.02512251744419639 490 | Autres Industries | 0 | 0 | 0 | 0 | 0.02120575299043147 | 0.03482332099365463 | 0 | #DIV/0! | 0.014251091810077662 500 | Production et distribution de l'électricité | 4.899685096149278e-06 | 0 | 0 | 0.014111224719021697 | 0 | 0.0002124230020772861 | 0 | #DIV/0! | 0.003985758307614708 600 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.00032210112119044796 | 0.0009714495083675091 | 0 | #DIV/0! | 0.0002694106569440753 700 | Production et distribution de l' eau | 1.3911537914796578e-05 | 0 | 0.0016096490729409871 | 0.007651641385382749 | 0.0005796987374275088 | 0.0011629915158778749 | 0 | #DIV/0! | 0.0028380283861412317 800 | Entrepreneurs en bâtiment et corps de métiers correspondants | 0.01688723594341182 | 0.06277434421237807 | 0.12862163473021354 | 0.08806143481891236 | 0.011702482487988893 | 0.02092876311522099 | 0 | #DIV/0! | 0.05812399702617113 900 | Commerce de gros | 0.1231971061039181 | 0.2667324341783034 | 0.40170783496128176 | 0.2898818369705913 | 0.2875309155851136 | 0.13604571852716343 | 0 | #DIV/0! | 0.32572667393719146 1000 | Commerce de détail | 0.04353400283695735 | 0.36382290836654646 | 0.11554950858735424 | 0.07362589093704265 | 0.15346516242563712 | 0.048808428891644634 | 0 | #DIV/0! | 0.13038225389929184 1100 | Restaurants, débits de boissons, casinos et activités de loterie | 0.002198517908224339 | 0 | 0.00024177151577770307 | 0 | 0.0011047260911496363 | 0.00019326247553530697 | 0 | #DIV/0! | 0.0009453946207999315 1200 | Hôtels, motels et pensions | 0.13454607716922443 | 0 | 0 | 0.02755532853242548 | 0.007182839919484107 | 0.0058801919307052974 | 0.015013212904157563 | #DIV/0! | 0.03488286674384303 1300 | Transport | 0.00100906591633993 | 0.09341687303353383 | 0.011096159416866598 | 0.011735120327672158 | 0.0169007762742232 | 0.0013594617558666951 | 0 | #DIV/0! | 0.014621046125629603 1400 | Promotion et Développement Immobilier Résidentiel | 0.01078483071045576 | 0 | 0.017980665818293762 | 0.008528473860293128 | 0.051613046565349846 | 0.05075171186917873 | 0.3841598665133911 | #DIV/0! | 0.07002988703281741 1500 | Promotion et Développement Immobilier Commercial | 0.11581305224047356 | 0 | 0.06197949376139703 | 0 | 0.034550789169233334 | 0.013996205247751565 | 0.10900925233233151 | #DIV/0! | 0.056535390872888 1600 | Télécommunications | 0.0002198832262535092 | 0 | 0.00348717599481337 | 0.0008194157593331154 | 0.02827778717793943 | 0.000536904448472504 | 0 | #DIV/0! | 0.014370784986527609 1700 | Services financiers | 0.019923218753299422 | 0 | 0.04235249853450013 | 0.043631296595144246 | 0.0018230481701451764 | 0.1001797365369418 | 0 | #DIV/0! | 0.03552782901171557 1710 | Services professionnels | 0.005957102294995919 | 0 | 0.007476074259228766 | 0.0025997003181664124 | 0.006480827535772402 | 0.04010811329859652 | 0 | #DIV/0! | 0.010846669452924113 1720 | Services médicaux | 0.0016723877755610193 | 0 | 0.00015257086660283296 | 0.00027505379167526304 | 0.0011527372384503042 | 0.0044658929229380445 | 0 | #DIV/0! | 0.0014563079553618454 1730 | Services d’agence ou de représentation | 2.469367322739059e-05 | 0.0005920749025787701 | 0.005865756170195805 | 0.0030769761186623954 | 0.001473728875444735 | 0.00042815233325765466 | 0 | #DIV/0! | 0.0026245035619156796 1740 | Services d'enseignement | 0.0015202435523500772 | 0 | 7.757374837787265e-05 | 0.0002697736944599239 | 0.0024151792378205306 | 1.855295638866515e-05 | 0 | #DIV/0! | 0.0014856747212629933 1750 | Autres services | 0.0018079685722425765 | 0.006269782394056345 | 0.0009595530107224036 | 0.003995459315965201 | 0.048086207098955766 | 0.02664454479710253 | 0.00470928636376813 | #DIV/0! | 0.028099728299937232 1800 | Administration publique et défense ; sécurité sociale obligatoire | 0.048217050496691484 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0.007802613049450826 1900 | Activités des organisations associatives | 1.695990454415796e-05 | 0 | 5.367281106015981e-05 | 0 | 0 | 1.1717424385340201e-06 | 0 | #DIV/0! | 1.201871446230741e-05 2000 | Activités des organisations et organismes extraterritoriaux | 0 | 0 | 2.2073787876682817e-05 | 0 | 0 | 0 | 0 | #DIV/0! | 3.7565083433761595e-06 Total | 0.6119676984590603 | 0.788610464771381 | 0.8905357446284442 | 0.8281071063192551 | 0.7979824805516491 | 0.6136732977464098 | 0.5159583963964033 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.040180931160132494 | 0.008844309414029765 | 0.02762217836416209 | 0.0497198174788006 | 0.08334713684971383 | 0.016420576395375683 | 0 | #DIV/0! | 0.06685674873064928 Produits pétroliers | 0.04262526978844101 | 0 | 0.07228938902304048 | 0.040160965000705005 | 0.011572528668883317 | 0.0002111048837785711 | 0 | #DIV/0! | 0.035997520518911016 Produits pharmaceutiques | 0 | 0 | 0.0006755349558407058 | 0.002487838730989666 | 0.0034496099278702335 | 0.0006671502773071916 | 0 | #DIV/0! | 0.0025333369142259616 Produits alimentaires | 0.02785650180872617 | 0.012157555785719346 | 0.20020106452064937 | 0.0858641205057309 | 0.0539375164480685 | 0.06410159340296563 | 0 | #DIV/0! | 0.09613112662824723 Matériaux de construction | 0.009300798272922723 | 0.15736960161455033 | 0.07928174248129821 | 0.002592724220393934 | 0.09122614876887997 | 0.05129113118732941 | 0 | #DIV/0! | 0.06705844489779623 Appareils électroménagers électron.,équipe.inform. | 0.0032336045298301326 | 0.0883609673640039 | 0.021637925616290656 | 0.10905637103397121 | 0.043997976772380376 | 0 | 0 | 0 | 0.05714949439915607 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 S-Total | 0.12319710556005253 | 0.26673243417830333 | 0.4017078349612815 | 0.28988183697059133 | 0.28753091743579623 | 0.13269155614675648 | - | #DIV/0! | 0.32572667208898576 (2) Commerce de détail Produits pétroliers | 0.00497740403275987 | 0 | 0.0038797329021657673 | 0.0006486305135320425 | 0.004145210621845324 | 0.007835154083656235 | 0 | #DIV/0! | 0.00455645962717172 Produits pharmaceutiques | 0 | 0 | 0.0003102949935114906 | 0 | 0.0003525305990823072 | 0.00010371354917344434 | 0 | 0 | 0.00023286230117475904 Véhicules automobiles | 0.009900525384893525 | 0 | 0.008354556150426238 | 0.025461789929945605 | 0.031324911587531645 | 0.007428391014912159 | 0 | #DIV/0! | 0.025953845168642676 Produits alimentaires | 0.012227293869383628 | 0 | 0.07773240730306369 | 0.008315528846635199 | 0.030866995350492997 | 0.013516597018519242 | 0 | #DIV/0! | 0.033836590442186454 Librairie ,papeterie | 0 | 0 | 0 | 0.0014793046736744444 | 0.0015004804918808071 | 0 | 0 | 0 | 0.001128644772334545 Appareils électro- ménagers électroni.équip. inform. | 7.034955787235045e-05 | 0 | 0.01084650418286233 | 0.010106193092186746 | 0.019935790927538156 | 0.01808293541049614 | 0 | #DIV/0! | 0.016337153464973532 Matériaux de construction | 0.0029548549237617817 | 0 | 0.0015515437498480518 | 0.001561722101989105 | 0.022815633991018984 | 1.4711141726729693e-06 | 0 | 0 | 0.012030639195325252 Autres | 0.013403575068286192 | 0.45755436535572 | 0.012903123155501094 | 0.02605272177907949 | 0.042523608856246925 | 0.0018388927158412116 | 0 | #DIV/0! | 0.03630937684962339 S-Total | 0.043534002836957346 | 0.45755436535572 | 0.11557816243737865 | 0.07362589093704264 | 0.15346516242563715 | 0.04880715490677111 | - | #DIV/0! | 0.13038557182143232 INFORMATIONS ADDITIONNELLES Prêts à la consommation | 0.1717858768824059 | 0.04200826365074023 | 0.048639068402979914 | 0.07256582133089608 | 0.01403797022427313 | 0.2890528766664137 | 0.0028208156425051064 | 0.07552249878022418 Prêts au logement | 0.09264741428190701 | 0.1357622292350234 | 0.0531212767812553 | 0.010575182206082397 | 0.06951910620460995 | 0.05075171186917873 | 0.3841598665133914 | 0.07666734266238988 Prêts Immobiliers Commerciaux | 0.07355703140314863 | 0.02734925994879909 | 0.007703910187321079 | 0.08875189014376669 | 0.11838343167641778 | 0.01987639717845686 | 0.09235163508393203 | 0.08045908170392473 [Secteur d'activitésdéc. 25 glob] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2025 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (900 ; 1000 ) | 3065667.55 | 825785.5938 | 10001914.71402805 | 11589471.721154628 | 23828834.13 | 2513117.62 | 0 | 0 | 0 | 51824791.32898267 Services et Autres ( 1100 à 1200 ; 1700 à 1750;1800 à 2000 ) | 3969440.69 | 8986.400590000001 | 1106074.1404238758 | 2595335.705252935 | 3767220.5700000003 | 2418841.75 | 187918.52199232802 | 0 | 0 | 14053817.778259138 Industries Manufacturières ( 400 à 490 ) | 1516713.49 | 1665.60948 | 1719082.6301772902 | 8043543.425599491 | 7744192.860000001 | 2550788.46 | 74091.34894317601 | 0 | 0 | 21650077.824199963 Prêts aux Ménages* | 6214592.889660048 | 268628.1845 | 2116648.821164484 | 5480345.196090668 | 10911677.25 | 4889912.590000001 | 4567140.268340846 | 0 | 0 | 34448945.19975605 Immobilier Résidentiel et Commercial ( 1400 ; 1500 ) | 2327742.1 | 0 | 1546144.6929867358 | 271907.58006 | 4655786.87 | 880256.86 | 4698979.102332302 | 0 | 0 | 14380817.205379039 Transport, Entrepôt et Communication ( 1300 ; 1600 ) | 22596.56 | 122340.26542 | 281989.765544959 | 400267.8066572881 | 2441183.83 | 25781.36 | 0 | 0 | 0 | 3294159.587622247 Bâtiments et Travaux Publics ( 800 ) | 310503.85 | 82210.3083 | 2487084.30531833 | 2807603.33331184 | 632333.32 | 284529.42 | 0 | 0 | 0 | 6604264.53693017 Électricité, Gaz et Eau ( 500 à 700 ) | 345.88 | 0 | 31124.88 | 693850.782045432 | 48727.96 | 31905.940000000002 | 0 | 0 | 0 | 805955.442045432 Agriculture, Sylviculture et Pêche ( 100;200 ) | 959292.93 | 0 | 46374.36056 | 0 | 4161.24 | 3.87 | 0 | 0 | 0 | 1009832.4005600001 Total | 18386895.93966005 | 1309616.36209 | 19336438.310203724 | 31882325.550172284 | 54034118.03 | 13595137.87 | 9528129.241608653 | 0 | 0 | 148072661.3037347 Regroupement des Secteurs d'activités Commerce de Gros et Détail (900 ; 1000 ) | 0.16673110894087542 | 0.6305553425448498 | 0.5172573435486357 | 0.3635077279076338 | 0.44099607801075086 | 0.18485414741880807 | 0 | #DIV/0! | #DIV/0! | 0.34999567693780315 Services et Autres ( 1100 à 1200 ; 1700 à 1750;1800 à 2000 ) | 0.21588422010036076 | 0.006861857296635115 | 0.05720154470434232 | 0.0814035883664989 | 0.06971929416722267 | 0.17791961899390435 | 0.01972249926792569 | #DIV/0! | #DIV/0! | 0.09491163091498155 Industries Manufacturières ( 400 à 490 ) | 0.0824888276399329 | 0.0012718300780404693 | 0.0889037889294297 | 0.252288479174507 | 0.14332042684032315 | 0.18762505274983285 | 0.007776064646523101 | #DIV/0! | #DIV/0! | 0.14621252588815262 Prêts aux Ménages* | 0.3379903225674615 | 0.2051197528345627 | 0.10946425537155625 | 0.17189289368074512 | 0.2019405081053009 | 0.35968098571404933 | 0.4793323172398285 | #DIV/0! | #DIV/0! | 0.23264892314653884 Immobilier Résidentiel et Commercial ( 1400 ; 1500 ) | 0.1265978829509293 | 0 | 0.07996015957969077 | 0.008528473860293127 | 0.0861638357345832 | 0.06474791711693027 | 0.49316911884572256 | #DIV/0! | #DIV/0! | 0.09712000229320067 Transport, Entrepôt et Communication ( 1300 ; 1600 ) | 0.0012289491425934388 | 0.09341687303353383 | 0.014583335411679962 | 0.01255453608700527 | 0.04517856345216263 | 0.001896366204339199 | 0 | #DIV/0! | #DIV/0! | 0.02224691282386752 Bâtiments et Travaux Publics ( 800 ) | 0.016887235943411818 | 0.06277434421237807 | 0.12862163473021349 | 0.08806143481891233 | 0.011702482487988894 | 0.020928763115220985 | 0 | #DIV/0! | #DIV/0! | 0.04460151170905981 Électricité, Gaz et Eau ( 500 à 700 ) | 1.881122301094585e-05 | 0 | 0.0016096490729409867 | 0.02176286610440444 | 0.0009017998586179569 | 0.00234686402632267 | 0 | #DIV/0! | #DIV/0! | 0.005442972625393775 Agriculture, Sylviculture et Pêche ( 100;200 ) | 0.05217264149142382 | 0 | 0.0023982886515107864 | 0 | 7.701134304976829e-05 | 2.8466059241221953e-07 | 0 | #DIV/0! | #DIV/0! | 0.006819843661002196 Total | 0.9999999999999999 | 1 | 1.0000000000000002 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 | #DIV/0! | #DIV/0! | 1.0000000000000002 * | Prêts aux ménages=prêts à la consommation+prêts au logement+prêts immobiliers commerciaux [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 | 561135.821706879 | 1330343 | 4344441.75 | 6.06 | 0 | 6995831.631706879 2. Produits Pétroliers | 0 | 1462995.29614825 | 1203394 | 221277.76 | 98.78 | 0 | 2887765.8361482495 3. Produits Pharmaceutiques | 0 | 26138.22 | 1131338 | 186124.2 | 0 | 1343600.42 4. Produits Alimentaires | 567156.4 | 3693018.94637462 | 2099264 | 2300218.14 | 1274.12 | 0 | 8660931.60637462 5. Matériaux de Construction | 155075.63 | 1575177.36436053 | 115811 | 4923213.93 | 1282.1 | 0 | 6770560.024360529 9. Autres | 70097 | 407963.632653019 | 3260434 | 2662056.85 | 0 | 6400551.482653019 0 S-Total | 1552234.0299999998 | 0 | 7726429.281243298 | 9140584 | 14637332.629999999 | 2661.0599999999995 | 0 | 0 | 0 | 33059241.001243297 (2) Commerce de détail 1. Produits Pétroliers | 98725.78 | 46947.765283895 | 36969 | 233308.04 | 73.71 | 416024.29528389504 2. Produits Pharmaceutiques | 0 | 6000 | 236 | 18417.97 | 0.01 | 0 | 24653.98 3. Véhicules automobiles | 182689.67 | 164722.18064 | 880528 | 1591314.02 | 91.85 | 0 | 2819345.7206400004 4. Produits Alimentaires | 239109.82 | 1703535.96712453 | 257670 | 2091874.49 | 153.46 | 0 | 4292343.737124531 5. Librairie, Papeterie | 0 | 61861 | 92131.85 | 0.01 | 0 | 153992.86000000002 6. Appareils électroménagers, électroniques et équipements informatiques | 6496.84 | 196200.7585 | 181088 | 1448081.62 | 595.2 | 0 | 1832462.4185 7. Matériaux de constrution | 54361.4 | 46177.66865 | 50917 | 1299072.64 | 4.1 | 0 | 1450532.80865 9. Autres | 183349.59 | 253732.232316303 | 821864 | 2230057.27 | 222.37 | 0 | 0 | 3489225.462316303 S-Total | 764733.1 | 0 | 2417316.572514728 | 2291133 | 9004257.9 | 1140.71 | 0 | 0 | 0 | 14478581.282514729 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 [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 [text truncated at 1,600,000 bytes for storage]

(2025-12) Banking System Statistical Report, December 2025

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