Rapò estatistik sistèm bankè a, jen 2026

[XXXX] [pagecouvert.] Banque de la République d’Haïti RAPPORT "STATISTIQUES" ET INDICATEURS FINANCIERS VERSION PROVISOIRE DONNÉES FINANCIÈRES TRIMESTRIELLES DES ÉTABLISSEMENTS BANCAIRES TRIM 3 2026 (1er avril au 30 juin 2026) [Sheet10] [Sheet11] [Sheet12] [Sheet13] [Sheet14] [Sheet15] [tabmat] TABLE DES MATIÈRES NOTE AUX UTILISATEURS | i SECTION 1 | GRAPHES ET TABLEAUX Évolution du bilan | 5 Évolution des résultats | 12 Évolution du nombre d'employés | 18 Évolution du nombre de prêts | 19 Évolution du nombre de dépôts | 20 SECTION 2 | SOMMAIRE FINANCIER - SYSTÈME BANCAIRE Indicateurs financiers | 26 Parts de marché | 27 Bilan Analyse des variations | 32 Analyse de la composition | 33 Devises et Gourdes | 34 Résultats Analyse des variations trimestrielles | 35 Analyse des variations annuelles | 36 SECTION 3 | SOMMAIRE FINANCIER DÉTAILLÉ - SYSTÈME BANCAIRE Faits saillants financiers | 38 Ratios financiers clés juin 2026 | 39 Ratios financiers clés mars 2026 | 40 Ratios financiers clés décembre 2025 | 41 Ratios financiers clés septembre 2025 | 42 Ratios financiers clés juin 2025 | 43 Ratios financiers clés mars 2025 | 44 Ratios financiers clés décembre 2024 | 45 Ratios financiers clés septembre 2024 | 46 Ratios financiers clés juin 2024 | 47 Ratios financiers clés mars 2024 | 48 Ratios financiers clés décembre 2023 | 49 Ratios financiers clés septembre 2023 | 50 Ratios financiers clés juin 2023 | 51 Ratios financiers clés mars 2023 | 52 Ratios financiers clés décembre 2022 | 53 Ratios financiers clés septembre 2022 | 54 Ratios financiers clés juin 2022 | 55 Ratios financiers clés mars 2022 | 56 Ratios financiers clés décembre 2021 | 57 Ratios financiers clés septembre 2021 | 58 Ratios financiers clés juin 2021 | 59 Ratios financiers clés mars 2021 | 60 Ratios financiers clés décembre 2020 | 61 Ratios financiers clés septembre 2020 | 62 Ratios financiers clés juin 2020 | 63 Bilan au 30 juin 2026 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | 64 Gourdes et devises | 65 Devises seulement | 66 Gourdes seulement | 67 Bilan au 31 mars 2026 ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | 68 Bilan au 31 décembre 2025 ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | 69 Bilan au 30 septembre 2025 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | 70 Bilan au 30 juin 2025 ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | 71 Bilan au 31 mars 2025 ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | 72 Bilan au 31 décembre 2024 ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | 73 Bilan au 30 septembre 2024 | 74 Bilan au 30 juin 202

4 | 75 Bilan au 31 mars 2024 | 76 Bilan au 31 décembre 2023 | 77 Bilan au 30 septembre 2023 | 78 Bilan au 30 juin 2023 | 79 Bilan au 31 mars 2023 | 80 Bilan au 31 décembre 2022 | 81 Bilan au 30 septembre 2022 | 82 Bilan au 30 juin 2022 | 83 Bilan au 31 mars 2022 | 84 Bilan au 31 décembre 2021 | 85 Bilan au 30 septembre 2021 | 86 Bilan au 30 juin 2021 | 87 Bilan au 31 mars 2021 | 88 Bilan au 31 décembre 2020 | 89 Bilan au 30 septembre 2020 | 90 Résultats (Trim. 2 2024/ Trim. 2 2023) | 91 Résultats (Cumul oct.-mars. 24 / Cumul oct. -mars. 23) | 92 SECTION 4 | STATISTIQUES PAR BANQUE BNC (Banque Nationale de Crédit) | 92 BPH (Banque Populaire Haïtienne) | 98 BUH (Banque de l'Union Haïtienne) | 104 CAPITALBK (Capital Bank) | 110 CBNA (Citibank N.A.) | 116 SOGEBK (Société Générale Haïtienne de Banque) | 122 SOGEBL (Société Générale Haïtienne de Banque d'Epargne et de Logement) | 128 UNIBK (Unibank) | 134 SECTION 5 | RESPECT DES NORMES PRUDENTIELLES Limite relative à la position nette de change des banques | 135 Limites relatives à la concentration des risques de crédit | 150 Classification des prêts | 225 Suffisance des fonds propres | 220 ANNEXE 1 Information sur le calcul des ratios financiers clés | 222 [Noteutili] NOTE AUX UTILISATEURS Ce rapport a été préparé par la Direction de la Supervision de la Banque de la République d'Haïti (BRH) à partir des informations périodiques soumises par les établissements bancaires. Ce rapport ne constitue pas une analyse de la performance financière des établissements bancaires effectuée par la BRH. Toute conclusion tirée de ce rapport n'engage que l'utilisateur et ne saurait en aucune manière être attribuée à la BRH. Ce rapport comporte les cinq sections suivantes : Section 1 : Graphes et tableaux Section 2 : Sommaire financier (sommaire consolidé de l'ensemble des banques) Section 3 : Sommaire financier détaillé (sommaire détaillé banque par banque) Section 4 : Statistiques par banque ( données financières et indicateurs financiers banque par banque) Section 5 : Respect des normes prudentielles Les périodes TRIM 3 2026 et TRIM 3 2025 doivent être lues comme étant le troisième trimestre de l'exercice fiscal 2025-2026 (1er avril au 30 juin 2026) et le troisième trimestre de l'exercice fiscal 2024-2025 (1er avril au 30 juin 2025). Les périodes CUMUL 2026 et CUMUL 2025 doivent être lues respectivement comme période cumulative allant du 1er octobre 2025 au 30 juin 2026 et période cumulative allant du 1er octobre 2024 au 30 juin 2025. [pageint.sect1] SECTION 1 SOMMAIRE FINANCIER EN GRAPHES [actifs] [dispo.] [bonsbrh] [prêts nets] 111822492.89 112372980.04 -550487.150000006 -0.0048987501248436765 [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] 65.73 66.43 -0.7000000000000028 -0.010537407797681812 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 Mars 2026 | 966 | 155 | 467 | 1102 | 1530 | 750 | 78 | 0 | 0 | 5048 Juin 2026 | 986 | 155 | 468 | 1110 | 1570 | 731 | 77 | 0 | 0 | 5097 [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 Mars 2026 | 19079 | 164 | 437 | 13063 | 7864 | 2114 | 355 | ** | ** | 43076 Juin 2026 | 17319 | 173 | 451 | 13045 | 7693 | 2179 | 355 | ** | ** | 41215 [nbre de cptes de dépôts ] NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 30 Juin 2026 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | TOTAL À vue | 24241 | 2699 | 10359 | 24358 | 57473 | 11329 | 2786 | 133245 Épargne | 502745 | 9251 | 97025 | 735719 | 1249206 | 170378 | 3822 | 2768146 À Terme | 3417 | 119 | 812 | 10969 | 4228 | 576 | 730 | 20851 TOTAL | 530403 | 12069 | 108196 | 771046 | 1310907 | 182283 | 7338 | 2922242 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 31 Mars 2026 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | TOTAL À vue | 34802 | 2737 | 10485 | 24871 | 57422 | 11392 | 2816 | 144525 Épargne | 497425 | 9298 | 97462 | 751869 | 1271120 | 166282 | 3797 | 2797253 À Terme | 3013 | 120 | 818 | 10806 | 4231 | 582 | 750 | 20320 TOTAL | 535240 | 12155 | 108765 | 787546 | 1332773 | 178256 | 7363 | 2962098 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 31 Décembre 2025 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | TOTAL À vue | 34413 | 2707 | 10536 | 24783 | 56953 | 11792 | 2943 | 144127 Épargne | 496260 | 9226 | 97591 | 744354 | 1260010 | 161662 | 3766 | 2772869 À Terme | 3017 | 117 | 816 | 10730 | 4198 | 594 | 757 | 20229 TOTAL | 533690 | 12050 | 108943 | 779867 | 1321161 | 174048 | 7466 | 2937225 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 30 Septembre 2025 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | TOTAL À vue | 38904 | 2758 | 10583 | 24845 | 57018 | 11811 | 3060 | 148979 Épargne | 496549 | 9111 | 97034 | 748278 | 1283690 | 157507 | 3716 | 2795885 À Terme | 3016 | 119 | 815 | 10712 | 4203 | 595 | 746 | 20206 TOTAL | 538469 | 11988 | 108432 | 783835 | 1344911 | 169913 | 7522 | 2965070 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 30 Juin 2025 BNC | BPH | BUH | SOGEBK | UNIBK | CAPIT

ALBK | SOGEBL | TOTAL À vue | 38904 | 2758 | 10858 | 24597 | 56587 | 11929 | 3151 | 148784 Épargne | 496549 | 9111 | 96380 | 737837 | 1275686 | 153386 | 3748 | 2772697 À Terme | 3016 | 119 | 808 | 10727 | 4182 | 609 | 750 | 20211 TOTAL | 538469 | 11988 | 108046 | 773161 | 1336455 | 165924 | 7649 | 2941692 [dépôts P-AU-P et Prov.] RÉPARTITION DES DÉPÔTS DANS LA REGION METROPOLITAINE En Milliers de Gourdes Au 30 Juin 2026 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | TOTAL À vue | 38113604 | 1651418.13841 | 20900454.92610489 | 19458521 | 69073699.90059 | 98209846.22061996 | 4163959.11762 | 251571503.30334485 Épargne | 25074168 | 673503.40119 | 7708684.488597419 | 11002238 | 34402608.394669995 | 60477917.90274 | 1511718.6884700002 | 140850838.87566742 À terme | 11244453 | 2225086.38899 | 11743781.063679816 | 8824422 | 23567929.342820004 | 31760874.105680007 | 3558956.1250799997 | 92925502.02624983 TOTAL | 74432225 | 4550007.92859 | 40352920.478382125 | 39285181 | 127044237.63808 | 190448638.22904 | 9234633.93117 | 485347844.2052621 RÉPARTITION DES DÉPÔTS DANS LES VILLES DE PROVINCE En Milliers de Gourdes Au 30 Juin 2026 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | TOTAL À vue | 12492016 | N/A | 2542929.568882778 | 2882281 | 15740299.956729997 | 16119302.983059999 | N/A | 49776829.508672774 Épargne | 22582795 | N/A | 3540814.1995599074 | 3647786 | 22275193.178740002 | 30694387.080830004 | N/A | 82740975.45912991 À terme | 2799867 | N/A | 2096126.418723308 | 185900 | 5300539.98534 | 2330129.60228 | N/A | 12712563.006343307 TOTAL | 37874678 | N/A | 8179870.187165992 | 6715967 | 43316033.12081 | 49143819.66617 | N/A | 145230367.974146 | 0 TABLEAU RÉCAPITULATIF DES DIFFERENTS TYPES DE DÉPOTS PAR BANQUE En Milliers de Gourdes Au 30 Juin 2026 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | TOTAL À vue | 50605620 | 1651418.13841 | 23443384.494987667 | 22340802 | 84813999.85732 | 114329149.20367996 | 4163959.11762 | 301348332.8120176 Épargne | 47656963 | 673503.40119 | 11249498.688157327 | 14650024 | 56677801.57341 | 91172304.98357001 | 1511718.6884700002 | 223591814.33479735 À terme | 14044320 | 2225086.38899 | 13839907.482403124 | 9010322 | 28868469.328160003 | 34091003.70796001 | 3558956.1250799997 | 105638065.03259315 TOTAL | 112306903 | 4550007.92859 | 48532790.665548116 | 46001148 | 170360270.75888997 | 239592457.89520997 | 9234633.93117 | 630578212.1794081 [ dépôts à vue] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À VUE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) Au 30 Juin 2026 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | TOTAL Siège Social | 15328879 | 260602.56849 | 696558.426585546 | 13202088.845619999 | 5011346.27556 | 1578444 | 1160874.19929 | 37238793.315545544 Place Geffrard | 0 | 0 | 0 | 3731211.57936 | 0 | 0 | 0 | 3731211.57936 Place Geffrard 2 | 0 | 0 | 0 | 157422.77894999998 | 0 | 0 | 0 | 157422.77894999998 Rue Pavée | 1672383 | 0 | 0 | 3245104.8937999997 | 0 | 0 | 0 | 4917487.8938 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 1672383 | 0 | 0 | 0 | 0 | 0 | 0 | 1672383 Delmas | 2850896 | 35184.77634 | 4063835.882473686 | 8898558.434239998 | 15574699.265970001 | 2043269 | 1172938.63045 | 34639381.989473686 Delmas 52 | 1737583 | 0 | 0 | 0 | 0 | 0 | 1737583 Delmas 2 | 413230 | 0 | 0 | 0 | 0 | 0 | 0 | 413230 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 32 | 700083 | 0 | 0 | 0 | 2426450.29025 | 0 | 0 | 3126533.29025 0 | 0 | 0 | 7399310.488169999 | 0 | 0 | 0 | 7399310.488169999 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 345330 | 1172938.63045 | 1518268.63045 Delmas 48 | 0 | 0 | 0 | 1499247.9460699998 | 0 | 0 | 0 | 1499247.9460699998 Delmas-Aéroport | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 16 | 0 | 0 | 0 | 0 | 4784166.41949 | 0 | 0 | 4784166.41949 Delmas 18 | 2424650.96012 | 2424650.96012 Delmas 71 | 0 | 0 | 0 | 0 | 5665411.44374 | 0

| 0 | 5665411.44374 Kiosque Mégamart | 0 | 0 | 58448.646706372994 | 0 | 6851.3784 | 0 | 0 | 65300.025106372996 Delmas 35 | 1477113.614916571 | 1697939 Delmas 64 | 1386974.5726535 Delmas 75 | 1141299.048197242 | 267168.77397 Pétion-Ville | 10813804 | 734805.7848 | 6989493.631256273 | 16787438.887879997 | 30622063.778619997 | 7828692 | 1011235.28402 | 74787533.36657628 P-V 1 | 2979589 | 734805.7848 | 2679817.337621006 | 3527501.4976999997 | 13288343.98056 | 3148517 | 1011235.28402 | 27369809.884701006 Place Boyer | 2289633 | 0 | 187163.927450141 | 0 | 0 | 3128914 | 0 | 5605710.927450141 Choucoune Plaza | 2103366 | 0 | 0 | 0 | 0 | 0 | 0 | 2103366 P-V 2 | 0 | 0 | 2203416.104784318 | 233461.32334 | 7981872.662900001 | 1551261 | 0 | 11970011.091024319 P-V 3 | 3441216 | 0 | 0 | 9080054.15849 | 4830406.26746 | 0 | 0 | 17351676.42595 P-V 4 | 0 | 0 | 0 | 3946421.90835 | 2093279.90789 | 0 | 0 | 6039701.81624 Juvénat | 1919096.2614008079 | 2428160.95981 Lalue | 637530 | 0 | 446292.309360535 | 1672088.8290799998 | 2544871.7109700004 | 0 | 0 | 5300782.849410535 Champs de Mars | 0 | 0 | 0 | 1327870.89445 | 0 | 0 | 0 | 1327870.89445 Laboule | 0 | 0 | 0 | 0 | 938311.83831 | 336806 | 0 | 1275117.83831 Aéroport | 0 | 179283.49647 | 0 | 6880731.681890001 | 2984055.77002 | 2698492 | 0 | 12742562.94838 Aéroport 2 | 0 | 0 | 0 | 2163688.17233 | 0 | 399048 | 0 | 2562736.17233 Carrefour | 758627 | 0 | 198350.453166993 | 2172110.1868000003 | 0 | 45872 | 0 | 3174959.639966993 Arcachon | 279425 | 0 | 0 | 0 | 0 | 0 | 0 | 279425 Carrefour | 479202 | 0 | 0 | 1795061.94637 | 0 | 0 | 0 | 2274263.94637 Truitiers | 0 | 0 | 0 | 377048.24043 | 0 | 0 | 0 | 377048.24043 Thor | 0 | 0 | 0 | 0 | 1724267.9942200002 | 0 | 0 | 1724267.9942200002 Diquini | 0 | 0 | 0 | 44576 | 0 | 44576 Rue du Quai | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 468669.25989000004 | 0 | 0 | 468669.25989000004 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 558957 | 0 | 558957 Parc Industriel | 2107454 | 426996.343 | 6194292.541269034 | 0 | 0 | 190554 | 0 | 8919296.884269034 Varreux | 0 | 0 | 0 | 0 | 8256604.024379999 | 0 | 8256604.024379999 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 1125362.81811 | 0 | 0 | 1125362.81811 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 255.58966 | 0 | 0 | 255.58966 Canapé-Vert | 0 | 0 | 0 | 0 | 2251586.5542800003 | 0 | 0 | 2251586.5542800003 Rue Capois | 0 | 0 | 0 | 0 | 1098495.08658 | 0 | 0 | 1098495.08658 Damien | 208958 | 0 | 61336.839623832 | 1395741.1778 | 3807590.8211000003 | 0 | 0 | 5473626.838523832 Frères | 449070 | 0 | 1378701.8544945659 | 1840197.17576 | 2473623.50056 | 59575 | 0 | 6201167.530814566 Portail Léogane | 0 | 0 | 0 | 98693.76308 | 309751.07131 | 0 | 0 | 408444.83439000003 Croix des Bossales | 0 | 0 | 0 | 0 | 76925.41587000001 | 0 | 0 | 76925.41587000001 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 1299092.9348300002 | 0 | 0 | 1299092.9348300002 Martissant | 0 | 0 | 0 | 0 | 1236762.23105 | 0 | 0 | 1236762.23105 Nazon | 0 | 0 | 0 | 0 | 642641.9887699999 | 0 | 0 | 642641.9887699999 Croix des Bouquets | 256076 | 0 | 0 | 161532.64043 | 1163722.12576 | 0 | 0 | 1581330.7661899999 Lathan | 0 | 0 | 0 | 543908.5545499999 | 620354.64872 | 0 | 0 | 1164263.20327 Turgeau | 724547 | 0 | 0 | 3912127.96912 | 7264400.62866 | 0 | 818911.0038599999 | 12719986.601640001 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 636057 | 14545.169310000001 | 786199.859196152 | 883183.43545 | 3049834.4866 | 1624166 | 0 | 6993985.950556152 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 1560493.87155 | . | 0 | 1560493.87155 Avenue Christophe | 0 | 0 | 0 | 0 | 1742294.68551 | 0 | 0 | 1742294.68551 Autres succursales non précisées | 1669323 | 0 | 85393.128678271 | 0 | 361767.84375999996 | 2050070 | 0 | 4166553.972438271 TOTAL | 3811

3604 | 1651418.13841 | 20900454.92610489 | 69073699.90059 | 98209846.22061996 | 19458521 | 4163959.11762 | 251571503.30334485 0 VILLES DE PROVINCES Aquin | 148325 | 0 | 0 | 0 | 0 | 0 | 0 | 148325 Jacmel | 988785 | 0 | 0 | 1562364.83917 | 1059946.88362 | 318827 | 0 | 3929923.72279 Hinche | 1106758 | 0 | 0 | 888434.4671600001 | 762423.10179 | 237975 | 0 | 2995590.56895 Cap-Haïtien | 1477461 | 0 | 1256267.3845955748 | 3102995.94123 | 4736945.10832 | 873342 | 0 | 11447011.434145574 Cap-Haïtien 1 | 1477461 | 0 | 725219.337487491 | 1739242.91774 | 2949975.27541 | 681763 | 0 | 7573661.530637491 Cap-Haïtien 2 | 0 | 0 | 531048.047108084 | 1363753.02349 | 1786969.83291 | 191579 | 0 | 3873349.903508084 Cayes | 2829916 | 0 | 153021.071101111 | 1430998.0011000002 | 2205886.2427700004 | 1081787 | 0 | 7701608.314971112 Cayes 1 | 2460168 | 0 | 153021.071101111 | 0 | 1552775.4721000001 | 0 | 0 | 4165964.5432011113 Cayes 2 | 369360 | 0 | 0 | 0 | 653110.7706700001 | 0 | 0 | 1022470.7706700001 Côteaux | 388 | 388 Cabaret | 295011 | 0 | 0 | 0 | 0 | 0 | 0 | 295011 Cap Saint-Michel | 0 | 0 | 0 | 369757.77384999994 | 43013.861090000006 | 0 | 0 | 412771.63493999996 Ouanaminthe | 155777 | 0 | 166235.270766545 | 431973.16488 | 683702.48739 | 0 | 0 | 1437687.923036545 Fort-Liberté | 620198 | 0 | 0 | 0 | 0 | 0 | 0 | 620198 Gonaïves | 801016 | 0 | 374722.039363322 | 1769469.8234100002 | 1365476.96006 | 170900 | 0 | 4481584.822833322 Port-de-Paix | 836533 | 0 | 372990.87965452 | 253598.09475 | 586720.23195 | 0 | 0 | 2049842.2063545198 Petit-Goave | 275905 | 0 | 0 | 213644.74889 | 372041.85597000003 | 0 | 0 | 861591.6048600001 Miragoane | 412663 | 0 | 0 | 433800.83914 | 329448.3937 | 0 | 0 | 1175912.2328400002 Mirebalais | 0 | 0 | 0 | 1450145.0309300001 | 695093.9195399999 | 0 | 0 | 2145238.95047 Jérémie | 491340 | 0 | 0 | 665841.6481 | 390137.30169 | 0 | 0 | 1547318.94979 La Gonave | 0 | 0 | 0 | 0 | 167207.83473000003 | 0 | 0 | 167207.83473000003 Léogane | 664491 | 0 | 0 | 1278404.50755 | 625388.64102 | 0 | 0 | 2568284.14857 Fonds-des-Nègres | 318725 | 0 | 0 | 0 | 0 | 0 | 0 | 318725 Limbé | 0 | 0 | 0 | 0 | 203079.38801999998 | 0 | 0 | 203079.38801999998 Vertières | 227556 | 0 | 0 | 395419.45674 | 444573.36874 | 89344 | 0 | 1156892.82548 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 13757 St-Marc | 469575 | 0 | 219692.92340170496 | 1493451.6198300002 | 1448217.40266 | 110106 | 0 | 3741042.9458917053 Belladerre | 358224 TOTAL | 12492016 | 0 | 2542929.568882778 | 15740299.956729997 | 16119302.983059999 | 2882281 | 0 | 49776829.508672774 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 | 50605620 | 1651418.13841 | 23443384.494987667 | 84813999.85732 | 114329149.20367996 | 22340802 | 4163959.11762 | 301348332.8120176 [ dépôts d'épargne] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS D'ÉPARGNE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) Au 30 Juin 2026 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | TOTAL Siège Social | 3667448 | 165416.9622 | 377787.087382263 | 3640842.0714 | 2501933.3133500004 | 1004160 | 663820.67902 | 12021408.113352263 Place Geffrard | 0 | 0 | 0 | 2824720.01402 | 0 | 0 | 0 | 2824720.01402 Place Geffrard 2 | 0 | 0 | 0 | 236606.97024 | 0 | 0 | 0 | 236606.97024 Rue Pavée II | 1421855 | 0 | 0 | 1101720.67063 | 0 | 0 | 0 | 2523575.67063 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 1421855 | 0 | 0 | 0 | 0 | 0 | 0 | 1421855 Delmas | 4796806 | 65377.972630000004 | 1392264.825316591 | 2874897.5309800003 | 9043992.73768 | 1938567 | 322168.19398000004 | 20434074.26058659 Delmas 52 | 1909105 | 0 | 0 | 0 | 0 | 0 | 1909105 Delmas 2 | 1679178 | 0 | 0 | 0 | 0 | 0 | 0 | 1679178 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 32 | 120

8523 | 0 | 0 | 0 | 3761739.2829399994 | 0 | 0 | 4970262.282939999 Delmas 53 | 0 | 0 | 0 | 1534626.7963500002 | 0 | 0 | 0 | 1534626.7963500002 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 675086 | 322168.19398000004 | 997254.19398 Delmas 48 | 0 | 0 | 0 | 1340270.73463 | 0 | 0 | 0 | 1340270.73463 Delmas-Aéroport | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 16 | 0 | 0 | 0 | 0 | 1694754.93912 | 0 | 0 | 1694754.93912 Delmas 18 | 645494.91467 | 645494.91467 Delmas 71 | 0 | 0 | 0 | 0 | 2523919.90015 | 0 | 0 | 2523919.90015 Kiosque Mégamart | 0 | 0 | 130979.120693494 | 0 | 51931.617119999995 | 0 | 0 | 182910.737813494 Delmas 35 | 533314.333698727 | 1263481 Delmas 64 | 401652.855221717 Delmas 75 | 326318.515702653 | 366152.08368 Pétion-Ville | 4951723 | 194235.25185 | 2653514.871376594 | 6089298.234649999 | 9894695.2573 | 3274873 | 209710.85391 | 27268050.469086595 P-V 1 | 2098491 | 194235.25185 | 1217900.8712807929 | 1932015.69331 | 4834424.34852 | 1429858 | 209710.85391 | 11916636.018870793 Place Boyer | 1371790 | 0 | 210917.75015063997 | 0 | 0 | 907765 | 0 | 2490472.75015064 Choucoune Plaza | 1373188 | 0 | 0 | 0 | 0 | 0 | 0 | 1373188 P-V 2 | 0 | 0 | 713748.02595586 | 150453.57012000002 | 1986913.24583 | 937250 | 0 | 3788364.84190586 P-V 3 | 108254 | 0 | 0 | 2771626.9297299995 | 1790219.0167999999 | 0 | 0 | 4670099.946529999 P-V 4 | 0 | 0 | 0 | 1235202.0414900002 | 874701.8372000001 | 0 | 0 | 2109903.87869 Juvénat | 510948.223989301 | 408436.80895000004 Lalue | 1213119 | 0 | 508968.76965684403 | 1575900.40247 | 2583173.3541699997 | 0 | 0 | 5881161.526296844 Champs de Mars | 0 | 0 | 0 | 1103036.85479 | 0 | 0 | 0 | 1103036.85479 Laboule | 0 | 0 | 0 | 0 | 993428.93754 | 651587 | 0 | 1645015.9375399998 Aéroport | 0 | 116126.27341 | 0 | 1000400.5200300001 | 840700.84975 | 760259 | 0 | 2717486.64319 Aéroport 2 | 0 | 0 | 0 | 1424480.3203399999 | 0 | 232708 | 0 | 1657188.3203399999 Carrefour | 2344255 | 0 | 291127.989855813 | 4702824.954430001 | 0 | 557311 | 0 | 7895518.944285814 Arcachon | 1343914 | 0 | 0 | 0 | 0 | 0 | 0 | 1343914 Carrefour | 1000341 | 0 | 0 | 3443361.0874500005 | 0 | 0 | 0 | 4443702.08745 Truitiers | 0 | 0 | 0 | 1259463.86698 | 0 | 0 | 0 | 1259463.86698 Thor | 0 | 0 | 0 | 0 | 3729411.8419000003 | 0 | 0 | 3729411.8419000003 Diquini | 0 | 0 | 0 | 456708 | 0 | 456708 Rue du Quai | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 560544.43872 | 0 | 0 | 560544.43872 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 653263 | 0 | 653263 Parc Industriel | 1676075 | 95146.71298000001 | 967253.507531722 | 0 | 0 | 153021 | 0 | 2891496.220511722 Varreux | 0 | 0 | 0 | 0 | 2777919.8879599995 | 0 | 2777919.8879599995 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 1432930.28124 | 0 | 0 | 1432930.28124 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 80790.74509 | 0 | 0 | 80790.74509 Canapé-Vert | 0 | 0 | 0 | 0 | 1304011.2877200001 | 0 | 0 | 1304011.2877200001 Rue Capois | 0 | 0 | 0 | 0 | 1910796.84744 | 0 | 0 | 1910796.84744 Damien | 942340 | 0 | 196493.515856354 | 1118351.7046700001 | 2485226.66119 | 0 | 0 | 4742411.881716354 Frères | 650599 | 0 | 525948.277707211 | 1680871.99394 | 2862123.74357 | 84608 | 0 | 5804151.015217211 Portail Léogane | 0 | 0 | 0 | 412743.87488 | 1256364.92069 | 0 | 0 | 1669108.79557 Croix des Bossales | 0 | 0 | 0 | 0 | 341333.38532999996 | 0 | 0 | 341333.38532999996 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 646292.12338 | 0 | 0 | 646292.12338 Martissant | 0 | 0 | 0 | 179.72256 | 1459639.37765 | 0 | 0 | 1459819.1002099998 Nazon | 0 | 0 | 0 | 0 | 1060969.4257999999 | 0 | 0 | 1060969.4257999999 Croix des Bouquets | 997643 | 0 | 0 | 640218.29974 | 1856152.83482 | 0 | 0 | 3494014.13456 Lathan | 0 | 0 | 0 | 1170593.17276 | 1398706.29106 | 0 | 0 | 2569299.46382 Turgeau | 1338458 | 0 | 0 | 2

059389.4936100002 | 3140323.75158 | 0 | 316018.96156 | 6854190.20675 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 1073844 | 37200.22812 | 589971.1959340901 | 745531.58853 | 4091379.1979799997 | 620099 | 0 | 7158025.21056409 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 611475.9621499999 | . | 0 | 611475.9621499999 Avenue Christophe | 0 | 0 | 0 | 0 | 962761.74928 | 0 | 0 | 962761.74928 Autres succursales non précisées | 3 | 0 | 205354.447979938 | 0 | 650838.6984000001 | 615074 | 0 | 1471270.146379938 TOTAL | 25074168 | 673503.40119 | 7708684.488597419 | 34402608.394669995 | 60477917.90274 | 11002238 | 1511718.6884700002 | 140850838.87566742 VILLES DE PROVINCES Aquin | 1504347 | 0 | 0 | 0 | 0 | 0 | 0 | 1504347 Jacmel | 1111595 | 0 | 0 | 1872696.45123 | 2200843.94242 | 482728 | 0 | 5667863.39365 Hinche | 1156677 | 0 | 0 | 656117.26078 | 1001387.5788100001 | 618495 | 0 | 3432676.83959 Cap-Haïtien | 1941848 | 0 | 1168015.423552656 | 4502342.77393 | 5111177.46999 | 949677 | 0 | 13673060.667472657 Cap-Haïtien 1 | 1941848 | 0 | 892422.323234448 | 3024966.6441599997 | 2429839.36596 | 745897 | 0 | 9034973.333354447 Cap-Haïtien 2 | 0 | 0 | 275593.100318208 | 1477376.12977 | 2681338.10403 | 203780 | 0 | 4638087.334118208 Cayes | 2254737 | 0 | 569761.445809243 | 2180613.20178 | 4381419.2463299995 | 528608 | 0 | 9915138.893919243 Cayes 1 | 1591667 | 0 | 569761.445809243 | 0 | 3062465.40721 | 0 | 0 | 5223893.853019243 Cayes 2 | 662826 | 0 | 0 | 0 | 1318953.83912 | 0 | 0 | 1981779.83912 Côteaux | 244 Cabaret | 1344216 | 0 | 0 | 0 | 0 | 0 | 0 | 1344216 Cap Saint-Michel | 0 | 0 | 0 | 913980.2234699999 | 108980.63601999999 | 0 | 0 | 1022960.8594899998 Ouanaminthe | 408714 | 0 | 484385.702250537 | 769332.08141 | 1190564.09122 | 0 | 0 | 2852995.8748805374 Fort-Liberté | 661757 | 0 | 0 | 0 | 0 | 0 | 0 | 661757 Gonaïves | 1895973 | 0 | 550769.16690971 | 2988744.36162 | 3033406.84134 | 503968 | 0 | 8972861.369869709 Port-de-Paix | 1646276 | 0 | 464102.81150850595 | 754011.54328 | 1398179.12328 | 0 | 0 | 4262569.478068506 Petit-Goave | 953484 | 0 | 0 | 927632.23201 | 1146574.5594399997 | 0 | 0 | 3027690.7914499994 Miragoane | 816149 | 0 | 0 | 1522410.54136 | 1311079.62042 | 0 | 0 | 3649639.16178 Mirebalais | 0 | 0 | 0 | 964110.44858 | 1097217.92742 | 0 | 0 | 2061328.3760000002 Jérémie | 950653 | 0 | 0 | 736943.45235 | 1102050.72916 | 0 | 0 | 2789647.18151 La Gonave | 0 | 0 | 0 | 0 | 1389317.41532 | 0 | 0 | 1389317.41532 Léogane | 1643088 | 0 | 0 | 1247869.35671 | 1046487.4000999999 | 0 | 0 | 3937444.7568099997 Fonds-des-Nègres | 1024044 | 0 | 0 | 0 | 0 | 0 | 0 | 1024044 Limbé | 0 | 0 | 0 | 0 | 1103511.94159 | 0 | 0 | 1103511.94159 Vertières | 561121 | 0 | 0 | 533100.39295 | 1488212.10461 | 206999 | 0 | 2789432.49756 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 85169 St-Marc | 2162991 | 0 | 303779.649529255 | 1705288.8572799999 | 2583976.45336 | 357311 | 0 | 7113346.960169256 Belladerre | 459956 TOTAL | 22582795 | 0 | 3540814.1995599074 | 22275193.178740002 | 30694387.080830004 | 3647786 | 0 | 82740975.45912991 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 | 47656963 | 673503.40119 | 11249498.688157327 | 56677801.57341 | 91172304.98357001 | 14650024 | 1511718.6884700002 | 223591814.33479732 [ dépôts à terme] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À TERME PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) Au 30 Juin 2026 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | TOTAL Siège Social | 1435489 | 129563.86022999999 | 84799.278655473 | 9874366.40784 | 5596108.96737 | 2522581 | 1002586.6336399999 | 20645495.147735473 Place Geffrard | 0 | 0 | 0 | 532176.38517 | 0 | 0 | 0 | 532176.38517 Place Geffrard 2 | 0 | 0 | 0 | 24656.17017 | 0 | 0 | 0

| 24656.17017 Rue Pavée II | 122392 | 0 | 0 | 153420.44802 | 0 | 0 | 0 | 275812.44802 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 122392 | 0 | 0 | 0 | 0 | 0 | 0 | 122392 Delmas | 744907 | 835.24298 | 2561052.329814715 | 1969966.1106299998 | 1827830.34442 | 797098 | 1292902.33749 | 9194591.365334716 Delmas 52 | 562041 | 0 | 0 | 0 | 0 | 0 | 562041 Delmas 2 | 107053 | 0 | 0 | 0 | 0 | 0 | 0 | 107053 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 32 | 75813 | 0 | 0 | 0 | 465442.99534 | 0 | 0 | 541255.99534 Delmas 55 | 0 | 0 | 0 | 1777273.1288599998 | 0 | 0 | 0 | 1777273.1288599998 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 200119 | 1292902.33749 | 1493021.33749 Delmas 48 | 0 | 0 | 0 | 192692.98177 | 0 | 0 | 0 | 192692.98177 Delmas-Aéroport | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 16 | 0 | 0 | 0 | 0 | 181239.16486000002 | 0 | 0 | 181239.16486000002 Delmas 18 | 114220.06293 | 114220.06293 Delmas 71 | 0 | 0 | 0 | 0 | 1008964.69927 | 0 | 0 | 1008964.69927 Kiosque Mégamart | 0 | 0 | 6689.418094999999 | 0 | 0 | 0 | 0 | 6689.418094999999 Delmas 35 | 507083.5843073339 | 596979 Delmas 64 | 1910671.875098846 Delmas 75 | 136607.45231353497 | 57963.422020000005 Pétion-Ville | 6730353 | 2093881.42851 | 7026369.343470463 | 5198036.025040001 | 15150456.129040001 | 1292079 | 906523.5322699999 | 38397698.45833046 P-V 1 | 212364 | 2093881.42851 | 3294339.407378053 | 3093819.7204100005 | 3730641.0314799994 | 673794 | 906523.5322699999 | 14005363.120048052 Place Boyer | 1337355 | 0 | 246354.20504484797 | 0 | 0 | 150428 | 0 | 1734137.205044848 Choucoune Plaza | 1738601 | 0 | 0 | 0 | 0 | 0 | 0 | 1738601 P-V 2 | 0 | 0 | 2262184.1582389176 | 15302.150730000001 | 9515082.291930001 | 467857 | 0 | 12260425.600898918 P-V 3 | 3442033 | 0 | 0 | 758199.1210299999 | 1786472.4897400003 | 0 | 0 | 5986704.61077 P-V 4 | 0 | 0 | 0 | 1330715.03287 | 63712.437979999995 | 0 | 0 | 1394427.47085 Juvénat | 1223491.572808645 | 54547.877909999996 Lalue | 120120 | 0 | 68738.639166368 | 401937.26829999994 | 326746.69965 | 0 | 0 | 917542.6071163679 Champs de Mars | 0 | 0 | 0 | 80678.24381 | 0 | 0 | 0 | 80678.24381 Laboule | 0 | 0 | 0 | 0 | 465355.5645 | 170833 | 0 | 636188.5645 Aéroport | 0 | 305.44631 | 0 | 2006041.04947 | 58515.92598 | 1067372 | 0 | 3132234.4217600003 Aéroport 2 | 0 | 0 | 0 | 893230.75118 | 0 | 43542 | 0 | 936772.75118 Carrefour | 283937 | 0 | 11067.552929045998 | 990331.09338 | 0 | 98540 | 0 | 1383875.646309046 Arcachon | 103399 | 0 | 0 | 0 | 0 | 0 | 0 | 103399 Carrefour | 180538 | 0 | 0 | 921021.41191 | 0 | 0 | 0 | 1101559.41191 Truitiers | 0 | 0 | 0 | 69309.68147 | 0 | 0 | 0 | 69309.68147 Thor | 0 | 0 | 0 | 0 | 490489.94840000005 | 0 | 0 | 490489.94840000005 Diquini | 0 | 0 | 0 | 84197 | 0 | 84197 Rue du Quai | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 235952.05075999998 | 0 | 0 | 235952.05075999998 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 887209 | 0 | 887209 Parc Industriel | 835765 | 500.41096 | 1705306.2713897307 | 0 | 0 | 2427 | 0 | 2543998.6823497307 Varreux | 0 | 0 | 0 | 0 | 530338.96434 | 0 | 530338.96434 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 283043.32712000003 | 0 | 0 | 283043.32712000003 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 702.6093199999999 | 0 | 0 | 702.6093199999999 Canapé-Vert | 0 | 0 | 0 | 0 | 15351.56084 | 0 | 0 | 15351.56084 Rue Capois | 0 | 0 | 0 | 0 | 35794.111950000006 | 0 | 0 | 35794.111950000006 Damien | 235347 | 0 | 0 | 236711.25964999996 | 260871.76381 | 0 | 0 | 732930.0234599999 Frères | 133379 | 0 | 45201.605431674 | 370786.64645000006 | 1780931.2829599997 | 42904 | 0 | 2373202.534841674 Portail Léogane | 0 | 0 | 0 | 68640.80098999999 | 24057.167980000002 | 0 | 0 | 92697.96896999999 Croix des Bossale

s | 0 | 0 | 0 | 0 | 275.52236 | 0 | 0 | 275.52236 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 8795.91473 | 0 | 0 | 8795.91473 Martissant | 0 | 0 | 0 | 0 | 74248.12624000001 | 0 | 0 | 74248.12624000001 Nazon | 0 | 0 | 0 | 0 | 95781.99192 | 0 | 0 | 95781.99192 Croix des Bouquets | 77433 | 0 | 0 | 98917.98633 | 159738.8824 | 0 | 0 | 336089.86873 Lathan | 0 | 0 | 0 | 113575.61364 | 115502.31743000001 | 0 | 0 | 229077.93107 Turgeau | 378430 | 0 | 0 | 468493.32361 | 3111367.31825 | 0 | 356943.62168 | 4315234.26354 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 146899 | 0 | 241246.04282234696 | 85963.75914 | 793568.1171800001 | 348019 | 0 | 1615695.919142347 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 105525.23465000001 | . | 0 | 105525.23465000001 Avenue Christophe | 0 | 0 | 0 | 0 | 108099.04660000002 | 0 | 0 | 108099.04660000002 Autres succursales non précisées | 2 | 0 | 0 | 0 | 105425.21548 | 1467621 | 0 | 1573048.21548 TOTAL | 11244453 | 2225086.38899 | 11743781.063679816 | 23567929.342820004 | 31760874.105680007 | 8824422 | 3558956.1250799997 | 92925502.02624983 0 VILLES DE PROVINCES Aquin | 202728 | 0 | 0 | 0 | 0 | 0 | 0 | 202728 Jacmel | 110041 | 0 | 0 | 95316.1839 | 56144.77478 | 0 | 0 | 261501.95868 Hinche | 378458 | 0 | 0 | 86642.06114 | 33729.99506 | 16921 | 0 | 515751.0562 Cap-Haïtien | 272120 | 0 | 1241040.561005 | 2656989.71749 | 560008.25936 | 96992 | 0 | 4827150.537855 Cap-Haïtien 1 | 272120 | 0 | 119506.468375256 | 921081.34214 | 211477.29805 | 72748 | 0 | 1596933.108565256 Cap-Haïtien 2 | 0 | 0 | 1121534.092629744 | 1735908.37535 | 348530.96131 | 24244 | 0 | 3230217.4292897442 Cayes | 238268 | 0 | 123079.148519825 | 227533.59414 | 436968.14838 | 9296 | 0 | 1035144.891039825 Cayes 1 | 145208 | 0 | 123079.148519825 | 0 | 400652.04849 | 0 | 0 | 668939.197009825 Cayes 2 | 93060 | 0 | 0 | 0 | 36316.09989 | 0 | 0 | 129376.09989 Côteaux | 0 Cabaret | 27957 | 0 | 0 | 0 | 0 | 0 | 0 | 27957 Cap Saint-Michel | 0 | 0 | 0 | 191970.98642 | 51619.87245 | 0 | 0 | 243590.85887 Ouanaminthe | 2545 | 0 | 12482.138382259 | 20459.73389 | 14041.38601 | 0 | 0 | 49528.258282259005 Fort-Liberté | 14321 | 0 | 0 | 0 | 0 | 0 | 0 | 14321 Gonaïves | 218976 | 0 | 58300.689220716995 | 125328.56419 | 256809.74225 | 11252 | 0 | 670666.995660717 Port-de-Paix | 113293 | 0 | 653385.6983856519 | 89238.64716 | 151623.51587 | 0 | 0 | 1007540.8614156519 Petit-Goave | 34936 | 0 | 0 | 44778.35198000001 | 63468.712439999996 | 0 | 0 | 143183.06442 Miragoane | 40758 | 0 | 0 | 86901.23862999999 | 62930.24282 | 0 | 0 | 190589.48145 Mirebalais | 0 | 0 | 0 | 236975.00914 | 37008.59029 | 0 | 0 | 273983.59943 Jérémie | 92920 | 0 | 0 | 29813.868619999997 | 30561.901859999998 | 0 | 0 | 153295.77048 La Gonave | 0 | 0 | 0 | 0 | 48662.478630000005 | 0 | 0 | 48662.478630000005 Léogane | 144638 | 0 | 0 | 354109.31879999995 | 108520.95774 | 0 | 0 | 607268.27654 Fonds-des-Nègres | 79617 | 0 | 0 | 0 | 0 | 0 | 0 | 79617 Limbé | 0 | 0 | 0 | 0 | 37228.29903 | 0 | 0 | 37228.29903 Vertières | 457241 | 0 | 0 | 743412.09685 | 267168.40739 | 42582 | 0 | 1510403.50424 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 14980 St-Marc | 345783 | 0 | 7838.1832098549985 | 311070.61299 | 113634.31792 | 8857 | 0 | 787183.114119855 Belladerre | 10287 | 10287 TOTAL | 2799867 | 0 | 2096126.418723308 | 5300539.98534 | 2330129.60228 | 185900 | 0 | 12712563.006343307 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 | 14044320 | 2225086.38899 | 13839907.482403124 | 28868469.328160003 | 34091003.70796001 | 9010322 | 3558956.1250799997 | 105638065.03259313 [pageintsect2] SECTION 2 SOMMAIRE FINANCIER - SYSTÈME BANCAIRE [sofiinfisys] SYSTÈME BANCAIRE SOMMAIRE FINANCIER INDICATEURS FINANCIERS Var. juin 26 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | S

ept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 . FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 725384364.9550167 | 0.025485710507647565 | 743871300.887034 | 0.0255745464506998 | 762895472.024912 | 0 | 0 | 0.0803654463707747 | 706145753.3538064 | 0.09138177564409893 | 647019923.8365159 | 0.017974913227978225 | 635595156.0582457 | 0.04161392099200667 | 610202247.9239918 Bons B.R.H. | 10000000 | 0.5 | 15000000 | 0.6266666666666667 | 24400000 | 0 | 0 | 0.15639810426540285 | 21100000 | -0.04308390022675737 | 22050000 | 7.647058823529412 | 2550000 | 2.1875 | 800000 Prêts Nets | 114196075.1651599 | -0.015964604074845075 | 112372980.03824687 | -0.004898766800959442 | 111822491.01431063 | 0 | 0 | -0.026532086382202058 | 114870238.09416924 | 0.0027011247003677023 | 114560795.10082863 | -0.15246437721745532 | 135169297.92840332 | -0.09594376937513038 | 149514259.56654975 Dépôts | 592081468.1756967 | 0.032702752851829234 | 611444162.0975947 | 0.031293209208059676 | 630578212.1811615 | 0 | 0 | 0.08690858623226633 | 580157540.5407741 | 0.0958861513293763 | 529395813.4583669 | 0.02099618106395864 | 518509102.45981 | 0.03664232159259115 | 500181298.4667901 Avoir des Actionnaires | 62991948.399194196 | 0.0033005344006208966 | 63199855.49184787 | 0.013380451489134212 | 64045498.092376836 | 0 | 0 | 0.058181964539608666 | 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 - juin 26) | (oct. 24- juin 25) Résultats Revenus nets d'intérêt | 5941510.860789725 | 0.10793510231822236 | 5362688.526031733 | 6252370.879305439 | 0.1841040828206239 | 5280254.472572907 | 6348143.827239731 | 0.19494497597578994 | 5312498.863854253 | 0 | 0 | 6160324.290016368 | 18542025.567334894 | 0.1621129472422761 | 15955441.862458892 Autres revenus | 4151735.6734152157 | 0.16889215419502085 | 3551855.1976887765 | 4238767.805519793 | 0.09573244466376053 | 3868433.2349221557 | 4538884.793707778 | 0.21143971566553277 | 3746686.471488377 | 0 | 0 | 4932853.989799732 | 12929388.272642786 | 0.15782370639129042 | 11166974.904099308 Dot. à la provision pr créances douteuses | 386641.52721049765 | -0.1651742806853014 | 463140.4115434877 | 394538.8936712351 | 0.17835472262617055 | 334821.83768223535 | 327394.56815263996 | -0.21454577634704614 | 416821.9589297115 | 0 | 0 | 573795.1509468231 | 1108574.9890343728 | -0.08743052338681044 | 1214784.2081554346 Dépenses d'exploitation | 6747423.744749883 | 0.03084455868788906 | 6545529.767687133 | 6940389.795258069 | 0.07916835682582905 | 6431239.15870914 | 7156398.347858585 | 0.18921638196751248 | 6017742.82323508 | 0 | 0 | 7088438.293403296 | 20844211.887866538 | 0.09738076780368332 | 18994511.749631353 Bénéfice net | 2378951.4120241925 | 0.476774250692206 | 1610910.6797529212 | 2561728.943767207 | 0.30017405858187096 | 1970296.9205225818 | 2773285.0151695847 | 0.25309547132026444 | 2213147.424631297 | 0 | 0 | 2808518.3452223856 | 7713965.3709609825 | 0.33128973592450217 | 5794355.024906797 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 - juin 26) | (oct. 24- juin 25) | 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 | 0.08496073906398163 | 0.08546344130854328 | 0.083950554749505 | 0.08421120046586324 | 0 | 0.08571047475231114 | 0.083950554749505 | 0.08421120046586324 | 0.08571047475231114 | 0.08254458614727032 | 0.08024726227101067 | 0.07397907273039252 Dépôts en % de l'actif | 0.8162313619930497 | 0.8129715223569435 | 0.8219757387715781 | 0.8181144549412359 | 0.8265591228473962 | 0.81477109153428 | 0 | 0.8215832748201669 | 0.8265591228473962 | 0.81477109153428 | 0.8215832748201669 | 0.8182063549439176 | 0.8157851700372211 | 0.8196975677629654 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.0876908241740665 | 0.10364293963986568 | 0.08444270668271116 | 0.13676832799521493 | 0.07992470595270465 | 0.14170186403708213 | 0 | 0.09976759910115814 | 0.07992470595270465 | 0.14170186403708213 | 0.09976759910115814 | 0.10365241934999576 | 0.0850650584764555 | 0.06674650919428594 Provisions pour créances douteuses en % des prêts improductifs bruts | 1.0187544706416263 | 0.8153493738683166 | 1.0256530252205731 | 0.6515708499211342 | 1.1017119670931093 | 0.6603806983383878 | 0 | 0.9241201309603599 | 1.1017119670931093 | 0.6603806983383878 | 0.9241201309603599 | 0.8277004954582138 | 0.7938214552869993 | 0.8951093289409422 Prêts improductifs nets en % de l'avoir des actionnaires (tx. d'exposition) | -0.003273909369312782 | 0.04269065069449065 | -0.00421686579337904 | 0.10266823065442177 | -0.015564118738491388 | 0.10063887351349272 | 0 | 0.01582719186307008 | -0.015564118738491388 | 0.10063887351349272 | 0.01582719186307008 | 0.04190335301582836 | 0.04984543795117829 | 0.02466152296339713 Rentabilité ROA (rendement de l'actif) | 0.013294593702769628 | 0.009809353503965695 | 0.013948444798674544 | 0.011720251426720016 | 0.014724428836773414 | 0.012917411935627574 | 0 | 0.016064031205669713 | 0.014002720936071432 | 0.011535049277264406 | 0.012715181171298953 | 0.010158335094798817 | 0.015990419660432787 | 0.01609198724553268 ROE ( rendement avoir des action.) | 0.15408210858551682 | 0.11619079194238982 | 0.16240223943412893 | 0.13651562771890222 | 0.17435827318182903 | 0.15227275675907165 | 0 | 0.1890594603728258 | 0.1651331998986719 | 0.13829966902368648 | 0.15101757818954845 | 0.12478583461731642 | 0.20719138403610818 | 0.2135184205617245 Revenus nets d'intérêts en % des revenus d'intérêt | 0.850037452607232 | 0.8357857136920575 | 0.8623460162229291 | 0.8361805645943434 | 0.8618205033475953 | 0.8393286276389808 | 0 | 0.8562147695427538 | 0.8581849617000797 | 0.8370930282823825 | 0.8423330143308353 | 0.8432317870195886 | 0.8581686138445854 | 0.8366368653542322 Rendement moyen des prêts | 0.10721423509419288 | 0.10745285735619571 | 0.10815803538784809 | 0.10045385552220734 | 0.11388576150657037 | 0.10150050467118049 | 0 | 0.12408928405684029 | 0.10951123927842131 | 0.10478631248948571 | 0.10776864581204332 | 0.11462409373073733 | 0.11849612948383223 | 0.09757312636359047 Rendement moyen des prêts productifs | 0.11830620957522298 | 0.11987791881073237 | 0.11834548204215535 | 0.11414976138783292 | 0.12408390288996923 | 0.11791498270910987 | 0 | 0.14106635146383475 | 0.1203423022010278 | 0.11940355653725672 | 0.11996962402000866 | 0.12647243261518062 | 0.1281707420455697 | 0.10399743464962523 Rémunération moyenne des dépôts | 0.00715344860019772 | 0.007867144045943979 | 0.006634170036045456 | 0.007545135098730542 | 0.006555927008451434 | 0.007270329048268007 | 0 | 0.0072318170286526035 | 0.006748665881744099 | 0.007571291684723403 | 0.007461750771616962 | 0.00789546015903963 | 0.007503545317516618 | 0.006981018553340822 Dépenses d'exploitation en % du produit net bancaire | 0.6685087619611371 | 0.7342529209061233 | 0.6615478075127253 | 0.7029684873209024 | 0.6573325557433647 | 0.6642697550030287 | 0 | 0.6389907486027355 | 0.6623220676977798 | 0.7003251927406221 | 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 | 8297.489814987826 | 7554.655414942249 | 8585.138390101536 | 7466.105149144025 | 0 | 9048.269396261094 | 8370.613429078445 | 7463.25917973603 | 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 30 Juin 2026 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 281061314.23978204 | 0.3684139237237525 | 1 | UNIBK | 43412184.40589 | 0.35403940069137935 | 1 | UNIBK | 239592457.89696598 | 0.3799567655029165 | 1 | UNIBK | 168422389.32819593 | 0.41809853863665675 | 1 SOGEBK | 202446272.67499998 | 0.2653656760311578 | 2 | SOGEBK | 30727487.62303 | 0.25059188915942526 | 2 | SOGEBK | 170360270.7588944 | 0.27016517137441287 | 2 | SOGEBK | 115083248.52836442 | 0.285687302164482 | 2 BNC | 143733065 | 0.188404663903034 | 3 | BNC | 17769853 | 0.14491848757650488 | 3 | BNC | 112306903 | 0.17810146438699795 | 3 | BNC | 43759955 | 0.10863147892204196 | 3 BUH | 57522017.68864802 | 0.07539960557895364 | 4 | BUH | 13174970.29616361 | 0.10744583926414061 | 4 | BUH | 48532790.665548116 | 0.0769655369120253 | 4 | CAPITALBK | 33185368 | 0.08238069724733962 | 4 CAPITALBK | 57212042 | 0.07499329082153967 | 5 | CAPITALBK | 12252331 | 0.09992143873146986 | 5 | CAPITALBK | 46001148 | 0.07295074125838037 | 5 | BUH | 32681648.646718122 | 0.08113024398913438 | 5 SOGEBL | 13275910.099191947 | 0.017402004056931184 | 6 | SOGEBL | 4770406.029771947 | 0.038904093745760863 | 6 | SOGEBL | 9234633.93116307 | 0.014644708226154208 | 6 | SOGEBL | 7105813.111063071 | 0.017639757335180473 | 6 BPH | 7644850.3222900005 | 0.01002083588463134 | 7 | BPH | 512409.19101000007 | 0.00417885083131918 | 7 | BPH | 4550007.92859 | 0.007215612339112673 | 7 | BPH | 2590991.42138 | 0.006431981705164757 | 7 TOTAL | 762895472.0249119 | 1.0000000000000002 | TOTAL | 122619641.54586555 | 1 | TOTAL | 630578212.1811616 | 1 | TOTAL | 402829414.03572154 | 1 AU 31 Mars 2026 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 275261350.55863476 | 0.3700389438742933 | 1 | UNIBK | 43990372.47953 | 0.3575629472675362 | 1 | UNIBK | 233296885.44140998 | 0.381550597590255 | 1 | UNIBK | 165597640.59439 | 0.4201331950685709 | 1 SOGEBK | 195797757.85758 | 0.26321456093829637 | 2 | SOGEBK | 28630583.724169992 | 0.23271537205482537 | 2 | SOGEBK | 163049073.8073831 | 0.2666622463906333 | 2 | SOGEBK | 111665514.65005305 | 0.28330348959387547 | 2 BNC | 139172462 | 0.18709212444954243 | 3 | BNC | 18499384 | 0.15036686194807541 | 3 | BNC | 108976025.00999999 | 0.17822727203110653 | 3 | BNC | 42407707 | 0.10759142082876624 | 3 CAPITALBK | 56643072 | 0.0761463332870291 | 4 | BUH | 14196068.689281706 | 0.11538861514559717 | 4 | BUH | 47536284.60847082 | 0.07774427749116918 | 4 | BUH | 33023476.059810817 | 0.08378294799055731 | 4 BUH | 56137284.80403751 | 0.07546639416938958 | 5 | CAPITALBK | 12434175 | 0.10106757477239299 | 5 | CAPITALBK | 44994511 | 0.07358727712052025 | 5 | CAPITALBK | 31925990 | 0.0809985464544212 | 5 SOGEBL | 13080973.74829176 | 0.01758499586244727 | 6 | SOGEBL | 4790590.27762176 | 0.0

3893891963780759 | 6 | SOGEBL | 9092918.771520784 | 0.014871216924088373 | 6 | SOGEBL | 6965438.242040783 | 0.017671820764942364 | 6 BPH | 7778399.918489999 | 0.010456647419001912 | 7 | BPH | 487156.40923 | 0.003959709173765328 | 7 | BPH | 4498463.45881 | 0.007357112452227461 | 7 | BPH | 2569331.2611100003 | 0.006518579298866377 | 7 TOTAL | 743871300.887034 | 0.9999999999999999 | TOTAL | 123028330.57983345 | 1 | TOTAL | 611444162.0975946 | 1 | TOTAL | 394155097.8074047 | 0.9999999999999998 AU 30 Septembre 2025 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 263882484.33737636 | 0.37369407531529975 | 1 | UNIBK | 46255036.84023 | 0.36554681606003275 | 1 | UNIBK | 223067375.30544776 | 0.38449448592450103 | 1 | UNIBK | 159239659.76946777 | 0.42672915599144 | 1 SOGEBK | 186323654.66746 | 0.2638600512465373 | 2 | SOGEBK | 28696855.58859999 | 0.2267870681322999 | 2 | SOGEBK | 155250472.0804651 | 0.2676005416317673 | 2 | SOGEBK | 105105165.44259512 | 0.2816599746858979 | 2 BNC | 131958310 | 0.18687120806613958 | 3 | BNC | 19060282 | 0.15063063126233384 | 3 | BNC | 103662456 | 0.1786798391060721 | 3 | BNC | 40431627 | 0.10834834795583276 | 3 CAPITALBK | 53164958 | 0.07528892972519556 | 5 | BUH | 13620859.736751633 | 0.1076436697254849 | 4 | BUH | 43272578.06712021 | 0.07458763360515 | 4 | BUH | 29803202.981310207 | 0.07986638298818177 | 4 BUH | 51197766.74434896 | 0.07250311497475918 | 4 | 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 . TOTAL | 706145753.3538063 | 0.9999999999999998 | TOTAL | 126536560.59374256 | 0.9999999999999999 | TOTAL | 580157540.540774 | 1 | TOTAL | 373163299.3285841 | 1.0000000000000002 [partdemarc. (2)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage ) POUR LE TROISIEME TRIMESTRE DE L'EXERCICE 2025-2026 AU 30 Juin 2026 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 257407831.1623297 | 0.3683306013649338 | 1 | UNIBK | 4187781.11 | 0.38465785806261005 | 1 | UNIBK | 1191528.61332 | 0.4296452066060508 | 1 SOGEBK | 188515844.5218444 | 0.2697515225780393 | 2 | SOGEBK | 2492389.01585 | 0.2289319797556558 | 2 | BNC | 627038 | 0.22609937188935395 | 2 BNC | 130377860 | 0.18656058505146575 | 3 | BNC | 1941769 | 0.17835619502863087 | 3 | SOGEBK | 501926.9280600003 | 0.18098642054982156 | 3 BUH | 53290606.20157118 | 0.07625471587516768 | 4 | CAPITALBK | 1164406 | 0.10695351693662221 | 4 | CAPITALBK | 228819 | 0.08250828845516553 | 4 CAPITALBK | 51156315 | 0.07320071103695883 | 5 | BUH | 821028.6900968915 | 0.0754134776974102 | 5 | BUH | 182464.6179689665 | 0.06579367680238558 | 5 SOGEBL | 11909766.969473071 | 0.01704195093899776 | 6 | SOGEBL | 195588.00623061604 | 0.017965233034685807 | 6 | SOGEBL | 47446.037580616045 | 0.0171082443099397 | 6 BPH | 6191750.077019999 | 0.00885991315443672 | 7 | BPH | 84066.79877000001 | 0.007721739484385005 | 7 | BPH | -5938.181759999992 | -0.002141208612716959 | 7 TOTAL | 698849973.9322385 | 0.9999999999999997 | TOTAL | 10887028.620947508 | 1 | TOTAL | 2773285.0151695823 | 1 POUR LE DEUXIEME TRIMESTRE DE L'EXERCICE 2025-2026 AU 31 Mars 2026 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 250545683.60220698 | 0.3680860792536337 | 1 | UNIBK | 4072945.93442 | 0.3882272512812416 | 1 | UNIBK | 1

127540.2371299998 | 0.4401481428678676 | 1 SOGEBK | 182709041.05134308 | 0.2684247183901103 | 2 | SOGEBK | 2305091.7954700002 | 0.21971797959397577 | 2 | BNC | 501477 | 0.19575724481706566 | 2 BNC | 126444295.00999999 | 0.18576406555906325 | 3 | BNC | 1882844 | 0.17946993711210915 | 3 | SOGEBK | 471364.22948 | 0.18400238269815739 | 3 BUH | 52074623.60245963 | 0.07650478649183663 | 4 | CAPITALBK | 1158898 | 0.11046446289727087 | 4 | CAPITALBK | 248152 | 0.09686895274527939 | 4 CAPITALBK | 50816164 | 0.07465593619711787 | 5 | BUH | 803934.6740617068 | 0.07662987767233954 | 5 | BUH | 166359.12993368105 | 0.06494017657037439 | 5 SOGEBL | 11762276.656160785 | 0.017280402660365873 | 6 | SOGEBL | 162319.39442252598 | 0.015472047343851311 | 6 | SOGEBL | 29532.49949252596 | 0.011528346730195545 | 6 BPH | 6319361.49146 | 0.009284011447872402 | 7 | BPH | 105104.886451 | 0.0100184440992118 | 7 | BPH | 17303.847730999987 | 0.006754753571060269 | 7 TOTAL | 680671445.4136305 | 1 | TOTAL | 10491138.684825232 | 1 | TOTAL | 2561728.9437672063 | 1.0000000000000002 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 TOTAL | 645621665.5895987 | 0.9999999999999999 | TOTAL | 11093178.2798161 | 1.0000000000000002 | TOTAL | 2808518.3452223884 | 1.0000000000000004 [partdemarc. (3)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage ) CUMUL 2026 (Octobre 2025 - Juin 2026) REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang UNIBK | 12209163.32751 | 0.38794454515420834 | 1 | UNIBK | 3371372.3337399983 | 0.43704789581133485 | 1 SOGEBK | 7127019.90645 | 0.22646011210963293 | 2 | BNC | 1518264 | 0.1968201731518611 | 2 BNC | 5507778 | 0.1750089153288547 | 3 | SOGEBK | 1478195.31059 | 0.19162586808525583 | 4 CAPITALBK | 3528478 | 0.11211692038817225 | 4 | CAPITALBK | 787784 | 0.10212438896414967 | 3 BUH | 2301132.9668435375 | 0.07311819477015175 | 5 | BUH | 424506.34148683783 | 0.05503088503415907 | 5 SOGEBL | 520093.8955131421 | 0.016525914538115676 | 6 | SOGEBL | 116595.7061231421 | 0.015114885861694894 | 6 BPH | 277747.743661 | 0.008825397710864234 | 7 | BPH | 17247.67902099999 | 0.0022359030915446456 | 7 TOTAL | 31471413.83997768 | 1 | TOTAL | 7713965.370960978 | 1 CUMUL 2025 (Octobre 2024 - Juin 2025) REVENUS BRUTS (P.N.B.) | REVENUS NETS Montant | % | Rang | Montant | % | Rang UNIBK | 10715683.244090002 | 0.39508585596628626 | 1 | UNIBK | 2643196.475130001 | 0.4561675050576514 | 1 SOGEBK | 6121970.77303 | 0.22571627099906366 | 2 | BNC | 1213827 | 0.20948440245418407 | 2 BNC | 4625374 | 0.17053694144627488 | 3 | SOGEBK | 1085245.0746299995 | 0.18729350720919194 | 3 CAPITALBK | 3050265 | 0.1124628762345751 | 4 | CAPITALBK | 552529 | 0.09535642839021365 | 4 BUH | 1827989.9754178936 | 0.06739775408479806 | 5 | BUH | 2133

69.0921664918 | 0.03682361388788457 | 5 SOGEBL | 515127.768230309 | 0.018992694222789867 | 6 | SOGEBL | 120513.22462030903 | 0.020798384652353508 | 6 BPH | 223842.00579000002 | 0.008253025816858476 | 7 | BPH | 14206.158360000001 | 0.00245172384138276 | 7 CBNA | 42164 | 0.00155458122935372 | 8 | CBNA | -48531 | -0.008375565492861838 | 8 TOTAL | 27122416.766558204 | 0.9999999999999999 | TOTAL | 5794355.024906801 | 1 [partdemarc. (4)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ (En milliers de gourdes ) AU 30 Juin 2026 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 42004603.281390004 | 1 | SOGEBL | 61553.62619060577 | 1 | SOGEBK | 4259006.7689723605 | 1 | UNIBK | 154575.77928836516 | 1 SOGEBK | 27478518.83361 | 2 | BUH | 28181.754644200235 | 2 | UNIBK | 3993207.6316160997 | 2 | SOGEBK | 154032.7945378792 | 2 BUH | 12978335.484288681 | 3 | UNIBK | 28007.86090702581 | 3 | SOGEBL | 3078211.31038769 | 3 | SOGEBL | 119156.56685371704 | 3 BNC | 12918350 | 4 | SOGEBK | 27782.53853800181 | 4 | BNC | 2807672.575 | 4 | BNC | 115068.5481557377 | 4 CAPITALBK | 11835039 | 5 | BNC | 18206.816598360656 | 5 | BUH | 2022199.6110645048 | 5 | BUH | 103813.45596908688 | 5 SOGEBL | 4396746.989931948 | 6 | CAPITALBK | 16546.02430790007 | 6 | CAPITALBK | 1840045.92 | 6 | CAPITALBK | 62121.73936529372 | 6 BPH | 210897.4250900001 | 7 | BPH | 3305.8657484516134 | 7 | BPH | 758334.654765 | 7 | BPH | 29354.889861870965 | 7 TOTAL | 111822491.01431063 AU 31 Mars 2026 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 42598860.26768 | 1 | SOGEBL | 62215.45815093195 | 1 | SOGEBK | 4076226.845184577 | 1 | UNIBK | 151935.4512806317 | 1 SOGEBK | 25497762.658049993 | 2 | BUH | 30463.666715196792 | 2 | UNIBK | 3888281.4240234997 | 2 | SOGEBK | 147622.5204231626 | 2 BNC | 13647574 | 3 | UNIBK | 28648.891227307067 | 3 | SOGEBL | 3030972.9238402615 | 3 | SOGEBL | 118089.8541755946 | 3 BUH | 13984722.163435135 | 4 | SOGEBK | 25921.759822698044 | 4 | BNC | 2724400.6252499996 | 4 | BNC | 113163.05816199376 | 4 CAPITALBK | 12023071 | 5 | BNC | 19210.159916926274 | 5 | BUH | 1980678.525352951 | 5 | BUH | 102009.19443877858 | 5 SOGEBL | 4431343.40450176 | 6 | CAPITALBK | 16480.019880715707 | 6 | CAPITALBK | 1799780.44 | 6 | CAPITALBK | 59634.87210072896 | 6 BPH | 189646.54458 | 7 | BPH | 3102.9070651592356 | 7 | BPH | 749743.9098016666 | 7 | BPH | 28652.633495605092 | 7 TOTAL | 112372980.03824688 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 TOTAL | 114870238.09416924 [partdemarc. (5)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ (En milliers de gourdes et en pourcentage) TRIM 3 2026 | AU 30 Juin 2026 COEFICIENT D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang SOGEBL | 0.592538553071353 | 1 | UNIBK | 10807.177058064515 | 1 | SOGEBK | 183292.2342009959 | 1 UNIBK | 0.6094508788402268 | 2 | SOGEBL | 10094.864837709216 |

2 | UNIBK | 183042.21051109218 | 2 SOGEBK | 0.6747107367533055 | 3 | SOGEBK | 9014.065156781195 | 3 | SOGEBL | 172414.41687262268 | 3 BNC | 0.6770789934333075 | 4 | BNC | 7958.069672131148 | 4 | BNC | 149255.5192107996 | 4 BUH | 0.6970906534472538 | 5 | BUH | 7024.844407246131 | 5 | BUH | 123437.8061988155 | 5 CAPITALBK | 0.7158576991186922 | 6 | CAPITALBK | 6289.836596893991 | 6 | CAPITALBK | 75827.75612988735 | 6 BPH | 1.0230552582988524 | 7 | BPH | 2169.4657747096776 | 7 | BPH | 48693.31415471338 | 7 SOGEBK | 0.01008280128922486 | 9 | PROMOBK | #REF! | 9 | 9 | SCOTIA | #REF! | 9 | SCOTIA | #REF! | 9 UNIBK | 0.017134352974840592 | 10 | UNIBK | 0.197072491443672 | 10 SOCABEL | #REF! | 13 | SOCABEL | #REF! | 13 AU 30 JUIN 2004 | TRIM 2 2026 | AU 31 Mars 2026 COEFICIENT R.O.A. | Rang | R.O.E. | Rang | D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang UNIBK | 0.6217649061871536 | 1 | UNIBK | 10610.083840885705 | 1 | UNIBK | 179264.9629167273 | 1 SOGEBL | 0.6602040164162187 | 2 | SOGEBL | 8432.176333637713 | 2 | SOGEBK | 177272.75496385695 | 2 SOGEBK | 0.6665978349407551 | 3 | SOGEBK | 8348.001070058852 | 3 | SOGEBL | 169882.77595184106 | 3 BNC | 0.6885153523074667 | 4 | BNC | 7820.743509865005 | 4 | BNC | 144519.69055036345 | 4 CAPITALBK | 0.7003014933152012 | 5 | BUH | 6900.726815980315 | 5 | BUH | 120466.27640351397 | 5 BUH | 0.7083856583779565 | 6 | CAPITALBK | 6143.925778661365 | 6 | CAPITALBK | 75073.65407554671 | 6 BPH | 0.8258516007290179 | 7 | BPH | 2677.831501936306 | 7 | BPH | 49543.94852541401 | 7 BUH | 0.012092715058781948 | 9 | UNIBK | 0.18692356316438252 | 9 CAPITALBK | 0.0178023344149638 | 10 | CAPITALBK | 0.1675340498059559 | 10 SOGEBK | 0.009752688060465212 | 11 | BICH | 11 BICH | #REF! | 12 | SOGEBK | 12 SOCABEL | #REF! | 13 | SOCABEL | 13 TRIM 4 2025 | AU 30 Septembre 2025 AU 31 MARS 2004 | COEFICIENT D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang R.O.A. | Rang | R.O.E. | Rang UNIBK | 0.5663798183959133 | 1 | UNIBK | 11526.990273512101 | 1 | SOGEBK | 178044.58162203536 | 1 CBNA | 0 | 1 | CBNA | 0 | 1 | SOGEBK | 0.591448999871475 | 2 | SOGEBL | 10943.206980662253 | 2 | UNIBK | 172585.01264707412 | 2 BNC | 0.014578493016234532 | 2 | BPH | 0.04772203186733999 | 2 | SOGEBL | 0.599305126510238 | 3 | SOGEBK | 10788.424320879121 | 3 | SOGEBL | 162669.2163540521 | 3 BPH | 0.009050313216803146 | 3 | SCOTIA | 0 | 3 | CAPITALBK | 0.6607267165199142 | 4 | BNC | 7576.306442251886 | 4 | BNC | 153172.73360417876 | 4 SCOTIA | 0 | 4 | BNC | 0.1584309279569446 | 4 | BNC | 0.7968097995583874 | 5 | CAPITALBK | 6485.616473616474 | 5 | BUH | 109513.93956010473 | 5 SOGEBL | 0.009135808511874132 | 5 | SOGEBL | 0.08956496740820326 | 5 | BUH | 0.8686019785917273 | 6 | BUH | 5748.2126108757375 | 6 | CAPITALBK | 68423.36936936936 | 6 PROMOBK | #REF! | 6 | PROMOBK | #REF! | 6 | BPH | 0.8840420595239092 | 7 | BPH | 2571.7375281632653 | 7 | BPH | 49911.93040741497 | 7 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. juin 26 | 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 | 0.1092035769175408 | 23468587.587531634 | 0.15915940650241409 | 27203834.05941309 | 0 | 0 | 0.09357094088363602 | 24876149.358386964 | -0.2930629675364513 | 35188635.21931797 | 0.21951771525817343 | 28854550.26938128 | 0.4348459059883045 | 20109859.98493449 Avoirs à la BRH | 285168149.6641802 | 0.034491693457411765 | 295004082.06621444 | 0.022761862592976103 | 301718924.44657266 | 0 | 0 | 0.09349867610552706 | 275920703.91995203 | 0.16719196708755177 | 236397020.97029173 | -0.0011474979985516304 | 23666

8597.71248683 | 0.03242910831152402 | 229234720.14416966 Avoirs à l'étranger | 34162766.644674346 | 0.16592899824254473 | 39831360.29121898 | -0.08617253478822591 | 36398991.01086155 | 0 | 0 | 0.1681732803055874 | 31158897.078470916 | -0.05848508622140037 | 33094427.525763053 | -0.03360030921016478 | 34245072.5524499 | -0.055013371180941545 | 36238684.768741824 Avoirs dans les banques locales | 855770.5262837781 | 0.01631861181543256 | 869735.5133052915 | -0.016825858219450096 | 855101.466869996 | 0 | 0 | 0.4700753962317183 | 581671.8442209831 | -0.021900556614502954 | 594696.0180323194 | -0.20266830723408696 | 745857.7445596596 | -0.04674204596827713 | 782430.1296465644 Autres liquidités | 1399730.356946536 | 0.4721993225238648 | 2060682.083212778 | 0.0291898824656133 | 2120833.151020754 | 0 | 0 | -0.3203337249865248 | 3120403.687793257 | 0.17014043681756064 | 2666691.6120596956 | -0.4858198618270421 | 5186298.369157706 | 1.0609117460415234 | 2516506.773819519 342744469.7587296 | 0.053946830406248016 | 361234447.54148316 | 0.019553053816784186 | 368297684.1347381 | 0 | 0 | 0.09724146356332761 | 335657825.8888242 | 0.09000526763173711 | 307941471.34546477 | 0.007331017128610271 | 305700376.6480354 | 0.05821810669488948 | 288882201.801312 Bons B.R.H. | 10000000 | 0.5 | 15000000 | 0.6266666666666667 | 24400000 | 0 | 0 | 0.15639810426540285 | 21100000 | -0.04308390022675737 | 22050000 | 7.647058823529412 | 2550000 | 2.1875 | 800000 Bons du Trésor / M.E.F. | 79144240 | -0.06297558853114263 | 74160084.90715 | -0.00022004900628731737 | 74143766.05416 | 0 | 0 | 0.8358280175059867 | 40387098 | 0.3836979148822453 | 29187800 | -0.15873180573569678 | 34695000 | -0.13186538220943325 | 39965000 Autres Placements | 137290464.5115196 | 0.0011606151120080789 | 137449805.8993663 | 0.02378765836082136 | 140719414.92386162 | 0 | 0 | -0.0870220512184344 | 154132326.10016677 | 0.1556467062371004 | 133373223.2076677 | 0.11698893990109989 | 119404246.9386284 | 0.21579026599419945 | 98211221.35814014 Portefeuille net | 114196075.1651599 | -0.015964604074845075 | 112372980.03824687 | -0.004898766800959442 | 111822491.01431063 | 0 | 0 | -0.026532086382202058 | 114870238.09416924 | 0.0027011247003677023 | 114560795.10082863 | -0.15246437721745532 | 135169297.92840332 | -0.09594376937513038 | 149514259.56654975 Immobilisations | 21621741.50187 | -0.017267141851996834 | 21248395.824270003 | 0.007532629501714082 | 21408452.117519997 | 0 | 0 | -0.006957790508011491 | 21558451.305379998 | -0.008414313335285577 | 21741390.174654238 | 0.0703330966185059 | 20312732.77762 | 0.4541137359541169 | 13969149.919549998 Autres actifs | 20387374.017737664 | 0.09899326205641694 | 22405586.676517755 | -0.013475339903171558 | 22103663.780321706 | 0 | 0 | 0.19869234157985569 | 18439813.965266068 | 0.015115126295359596 | 18165244.007900625 | 0.02261616249116812 | 17763501.7655586 | -0.05815956312135178 | 18860415.278439935 725384364.9550167 | 0.025485710507647565 | 743871300.887034 | 0.0255745464506998 | 762895472.024912 | 0 | 0 | 0.0803654463707747 | 706145753.3538064 | 0.09138177564409893 | 647019923.8365159 | 0.017974913227978225 | 635595156.0582457 | 0.04161392099200667 | 610202247.9239918 PASSIF Dépôts À vue | 279846143.218196 | 0.03265785907395297 | 288985319.1258051 | 0.04278076728851402 | 301348332.8131231 | 0 | 0 | 0.10126086758236427 | 273639372.5445665 | 0.08711570082972321 | 251711360.93031842 | 0.0222058812780259 | 246243311.19638354 | 0.04610915868696442 | 235389690.5992665 Épargne | 211234593.16736194 | 0.03140589033217408 | 217868603.63473752 | 0.02626909341328715 | 223591814.33544087 | 0 | 0 | 0.10052665726224216 | 203168013.11443532 | 0.13683812659316674 | 178713229.5811379 | -0.003811851619361145 | 179397064.5722362 | 0.04299503188823448 | 172001839.97756577 À terme | 101000731.79013881 | 0.035539421183320145 | 104590239.3370521 | 0.01001838892603315 | 105638065.03259759 | 0 | 0 | 0.02213

7462236438674 | 103350154.88177226 | 0.044244496576652595 | 98971222.94691056 | 0.06571099306672466 | 92868726.69119021 | 0.0008509429760196925 | 92789767.88995776 592081468.1756967 | 0.032702752851829234 | 611444162.0975947 | 0.031293209208059676 | 630578212.1811615 | 0 | 0 | 0.08690858623226633 | 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 | 0 | 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 | 0.05827224699547293 | 39032791.13511481 | -0.05661415312432112 | 36822982.72092178 | 0 | 0 | 0.05323037751646828 | 34961945.18026614 | 0.07540676963221517 | 32510438.066354174 | 0.07581511403349182 | 30219354.27590774 | 0.28598038834438205 | 23499078.640548505 36883506.34341239 | 0.05827224699547293 | 39032791.13511481 | -0.05661415312432112 | 36822982.72092178 | 0 | 0 | 0.05323037751646828 | 34961945.18026614 | 0.04176069189385953 | 33560438.06635417 | 0.08717654947990637 | 30869354.27590774 | 0.26002102890578793 | 24499078.640548505 Obligations à terme Banques locales | 9591227.267849999 | -0.312136600383268 | 6597454.19496 | 0.00217619324905177 | 6611811.53024 | 0 | 0 | -0.10626495485962807 | 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 | 0 | 0.6 | 0.21369042802815752 | 0.49436 Autres | 12680194.952165157 | 0.013448264445139165 | 12850721.567097792 | 0.1166884388127553 | 14350252.204379838 | 0 | 0 | 0.14737829582835654 | 12506992.904218733 | -0.01015321249335212 | 12635281.603249872 | -0.1550749591336507 | 14954322.56368471 | 0.2504686971211595 | 11958973.941621 22271422.220015153 | -0.12676543195432446 | 19448175.762057792 | 0.07784215810695974 | 20962063.734619837 | 0 | 0 | 0.053108200621223046 | 19904947.774838734 | -0.03298839440094763 | 20583980.233109873 | -0.18447221717725734 | 25240072.33924471 | -0.1806223061738724 | 30803953.450801 0 | 0 | 0 | 0 | 0 Autres passifs | 11156019.81748733 | -0.03672487189220431 | 10746316.418863215 | -0.024157219386577108 | 10486715.29553516 | 0 | 0 | -0.010428836247727048 | 10597232.09371972 | 0.05217905980816865 | 10071700.244302323 | 0.010012624974827838 | 9971855.791954419 | 0.04136867735531761 | 9575720.884249331 662392416.5566117 | 0.02759546818491785 | 680671445.4136305 | 0.026706759393382698 | 698849973.9322383 | 0 | 0 | 0.08244504665751914 | 645621665.5895987 | 0.08761571454948218 | 593611932.0021331 | 0.01543225370918478 | 584590384.8669169 | 0.03456328822870118 | 565060051.4423889 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 AVOIR DES ACTIONNAIRES Capital versé | 24747547.95602 | 0.012122413118792363 | 25047547.95602 | -4.192023953177733e-05 | 25046497.95681 | 0 | 0 | 0.1510008539189477 | 21760625 | -0.005597410080877413 | 21883113.76157 | -1.960377278369081e-05 | 21883542.76157 | 0.4007524558119212 | 15622705.26157 Réserves | 7695145.6172899995 | 0.10980495188960061 | 8540110.711579999 | 0.001847096651640703 | 8555885.12148 | 0 | 0 | -0.060610657321934255 | 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 | 0 Surplus d'apport | 3448488.18618 | 0 | 3448488.18618 | -0.0036724308178735067 | 3435823.85189 | 0 | 0 | -0.0036724308178735067 | 3448488.18618 | 1.7505601871823027 | 1253740.31161 | -0.12900830653462425 | 1439440.03257 | 0.10354541335050162 | 1304377.70404 BNR | 27100766.639704194 | -0.03457680788496522 | 26163708.638067868 | 0.03224246744980059 | 27007291.162196837 | 0 | 0 | 0.030535248774891652 | 2

6207052.300543156 | 0.23972289777919872 | 21139443.618803572 | 0.06080118694317128 | 19927809.1682 | -0.0013569767384824854 | 19954887.486337997 62991948.399194196 | 0.0033005344006208966 | 63199855.49184787 | 0.013380451489134212 | 64045498.092376836 | 0 | 0 | 0.058181964539608666 | 60524087.76428315 | 0.1332402825254146 | 53407991.84212357 | 0.04711756566755936 | 51004771.18639 | 0.12986906185756752 | 45142196.479417995 725384364.9558059 | 0.025485710531958843 | 743871300.9054784 | 0.02557454642487163 | 762895472.0246152 | 0 | 0 | 0.08036544637023889 | 706145753.3538818 | 0.09138177563115862 | 647019923.8442566 | 0.017974913248066847 | 635595156.0533069 | 0.041613920987642654 | 610202247.9218069 Hors-bilan Effets à l'encaissement | 1634582.927298646 | 0.0040550535036813495 | 1641211.248525046 | -0.004824407489306288 | 1633293.376686128 | 0 | -0.001296387586403298 | 1635413.506454532 | 1638684.575554964 | 1689770.930555273 | 1537300.341460401 Crédit documentaire | 3969483.547769272 | -0.09258301500458306 | 3601976.7929057037 | 0.028531566251623397 | 3704746.8324093027 | 0 | 0.12680284004111828 | 3287839.452263106 | 3590804.126239959 | 4533183.750797793 | 4188643.145419392 Autres | 22532923.245004285 | 0.08930046440718134 | 24545123.75523454 | 0.010770106622395395 | 24809477.355138306 | 0 | 0.08831057179876314 | 22796321.195459053 | 24369877.641579732 | 21247677.55485199 | 151487184.2710981 Portefeuille brut | 125398612.80211762 | -0.018901981204724624 | 123028330.57983345 | -0.003321909937668363 | 122619641.54586555 | 0 | 0 | -0.030954840478497225 | 126536560.59374255 | 0.00977467246447851 | 125311679.96610036 | -0.1355298389110183 | 144957785.24992 | -0.08839985269419076 | 159014657.55390215 Provisions pour créances douteuses | 11202537.63695773 | -0.04884492363283488 | 10655350.54158657 | 0.013307867199199975 | 10797150.531554928 | 0 | 0 | -0.0745026522325412 | 11666322.499573309 | 0.08514998028289804 | 10750884.865271715 | 0.09831933292078075 | 9788487.321516676 | 0.030323922697532462 | 9500397.987352408 Portefeuille de crédit improductif | 10996307.70690234 | -0.05524240411211297 | 10388845.232816499 | -0.05664791659213106 | 9800338.794579351 | 0 | 0 | -0.22368935278158042 | 12624248.84895591 | -0.028070976667044084 | 12988858.801298697 | 0.053363452134161805 | 12330842.478901925 | 0.16178839573459877 | 10613673.30244776 Graphe Dépots US | 379133340.51807666 | 0.039621303863176756 | 394155097.80740464 | 0.022007367852325533 | 402829414.03572154 | 0 | 0 | 0.07949901493666277 | 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 | 15000000 | 24400000 | 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 | 23468587.587531634 | 0.031549257996035564 | 27203834.05941309 | 0.03565866499011645 | 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 | 295004082.06621444 | 0.3965794643702949 | 301718924.44657266 | 0.3954918275314133 | 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 | 39831360.29121898 | 0.053546037121907815 | 36398991.01086155 | 0.04771163592601971 | 0 | 0 | 31158897.07847091

6 | 0.044125305477634304 | 33094427.525763053 | 0.05114900841001784 | 34245072.5524499 | 0.05387875005974982 | 36238684.768741824 | 0.059387989624803544 Avoirs dans les banques locales | 855770.5262837781 | 0.0011797476863687944 | 869735.5133052915 | 0.001169201597464736 | 855101.466869996 | 0.0011208632089535762 | 0 | 0 | 581671.8442209831 | 0.0008237277381593811 | 594696.0180323194 | 0.0009191309202753123 | 745857.7445596596 | 0.0011734792775722625 | 782430.1296465644 | 0.0012822472095252355 Autres liquidités | 1399730.356946536 | 0.0019296395463849535 | 2060682.083212778 | 0.0027702131817096648 | 2120833.151020754 | 0.0027799786848800427 | 0 | 0 | 3120403.687793257 | 0.004418922967352059 | 2666691.6120596956 | 0.004121498448220112 | 5186298.369157706 | 0.00815975125002752 | 2516506.773819519 | 0.004124053594330549 342744469.7587296 | 0.4725004925905512 | 361234447.54148316 | 0.4856141742674127 | 368297684.1347381 | 0.48276297034138316 | 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 | 15000000 | 0.02016477847997786 | 24400000 | 0.031983411744778624 | 0 | 0 | 21100000 | 0.029880516734380306 | 22050000 | 0.03407932149794421 | 2550000 | 0.0040119877813642735 | 800000 | 0.0013110407290725843 Bons du Trésor / M.E.F. | 79144240 | 0.1091066251543869 | 74160084.90715 | 0.09969477894726861 | 74143766.05416 | 0.09718731959093194 | 0 | 0 | 40387098 | 0 | 29187800 | 0.04511113015953269 | 34695000 | 0.054586633754679786 | 39965000 | 0 Autres Placements | 137290464.5115196 | 0.18926581705415363 | 137449805.8993663 | 0.18477632587177836 | 140719414.92386162 | 0.18445438475386114 | 0 | 0 | 154132326.10016677 | 0 | 133373223.2076677 | 0.20613464639052975 | 119404246.9386284 | 0.18786210971010964 | 98211221.35814014 | 0.16094863906560625 Portefeuille net | 114196075.1651599 | 0.15742836581850167 | 112372980.03824687 | 0.1510650833070815 | 111822491.01431063 | 0.1465764250998977 | 0 | 0 | 114870238.09416924 | 0.1626721360973969 | 114560795.10082863 | 0.17705914590935376 | 135169297.92840332 | 0.2126657143938593 | 149514259.56654975 | 0.24502410483609624 Immobilisations | 21621741.50187 | 0.029807289137271147 | 21248395.824270003 | 0.02856461299008608 | 21408452.117519997 | 0.028062104052992615 | 0 | 0 | 21558451.305379998 | 0.03052974715629052 | 21741390.174654238 | 0.033602350366180825 | 20312732.77762 | 0.031958602239187846 | 13969149.919549998 | 0.022892655618813824 Autres actifs | 20387374.017737664 | 0.028105615453955846 | 22405586.676517755 | 0.030120246136394926 | 22103663.780321706 | 0.02897338441615488 | 0 | 0 | 18439813.965266068 | 0.026113325581421442 | 18165244.007900625 | 0.02807524674076417 | 17763501.7655586 | 0.02794782432849561 | 18860415.278439935 | 0.030908465746571998 725384364.9550167 | 1 | 743871300.887034 | 1 | 762895472.024912 | 1 | 0 | 0 | 706145753.3538064 | 1 | 647019923.8365159 | 1 | 635595156.0582457 | 1 | 610202247.9239918 | 1 PASSIF Dépôts À vue | 279846143.218196 | 0.38579015035091097 | 288985319.1258051 | 0.38848832960917123 | 301348332.8131231 | 0.39500605766248764 | 0 | 0 | 273639372.5445665 | 0.38751117774896904 | 251711360.93031842 | 0.3890318545954374 | 246243311.19638354 | 0.3874216297108122 | 235389690.5992665 | 0.38575683947429046 Épargne | 211234593.16736194 | 0.29120367542035624 | 217868603.63473752 | 0.29288480866910543 | 223591814.33544087 | 0.29308315822346315 | 0 | 0 | 203168013.11443532 | 0.2877139912680892 | 178713229.5811379 | 0.2762097780875969 | 179397064.5722362 | 0.28225052199075656 | 172001839.97756577 | 0.2818767721075172 À terme | 101000731.79013881 | 0.13923753622178245 | 104590239.3370521 | 0.14060260049330148 | 105638065.03259759 | 0.13846990696144545 | 0 | 0 | 103350154.88177226 | 0.14635810580310865 | 98971222.94691056 | 0.15296472226088337 | 92868726.69119

021 | 0.14611301833565227 | 92789767.88995776 | 0.1520639561811576 592081468.1756967 | 0.8162313619930497 | 611444162.0975947 | 0.8219757387715781 | 630578212.1811615 | 0.8265591228473962 | 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 | 39032791.13511481 | 0.052472505779655586 | 36822982.72092178 | 0.04826740237844712 | 0 | 0 | 34961945.18026614 | 0.049510947299783385 | 32510438.066354174 | 0.05024642498423073 | 30219354.27590774 | 0.04754497259437649 | 23499078.640548505 | 0.03851031149179838 36883506.34341239 | 0.05084684496294547 | 39032791.13511481 | 0.052472505779655586 | 36822982.72092178 | 0.04826740237844712 | 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 | 6597454.19496 | 0.00886908015821127 | 6611811.53024 | 0.008666733219284456 | 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 | 12850721.567097792 | 0.017275463580560063 | 14350252.204379838 | 0.018810246921889238 | 0 | 0 | 12506992.904218733 | 0.01771163084224093 | 12635281.603249872 | 0.01952842739112074 | 14954322.56368471 | 0.02352806251140514 | 11958973.941621 | 0.01959837739422854 22271422.220015153 | 0.030702925643284674 | 19448175.762057792 | 0.02614454373877133 | 20962063.734619837 | 0.027476980141173692 | 0 | 0 | 19904947.774838734 | 0.02818815758687369 | 20583980.233109873 | 0.031813518370588656 | 25240072.33924471 | 0.03971092620619613 | 30803953.450801 | 0.050481546988070114 Autres passifs | 11156019.81748733 | 0.015379459989021335 | 10746316.418863215 | 0.01444647267080838 | 10486715.29553516 | 0.013745939883088887 | 0 | 0 | 10597232.09371972 | 0.015007145540971762 | 10071700.244302323 | 0.015566290732721182 | 9971855.791954419 | 0.015689005331312816 | 9575720.884249331 | 0.015692700111852267 662392416.5566117 | 0.9131605925883013 | 680671445.4136305 | 0.9150392609608133 | 698849973.9322383 | 0.9160494452501059 | 0 | 0 | 645621665.5895987 | 0.9142895252477957 | 593611932.0021331 | 0.9174554138646934 | 584590384.8669169 | 0.919752737721219 | 565060051.4423889 | 0.9260209272660268 0 AVOIR DES ACTIONNAIRES | 0 Capital versé | 24747547.95602 | 0.03411646177065682 | 25047547.95602 | 0.033671883733317705 | 25046497.95681 | 0.032830838398254535 | 0 | 0 | 21760625 | 0.030816053055122014 | 21883113.76157 | 0.03382139089599234 | 21883542.76157 | 0.034430002420541735 | 15622705.26157 | 0.025602503620268537 Réserves | 7695145.6172899995 | 0.01060836983682051 | 8540110.711579999 | 0.011480629379566452 | 8555885.12148 | 0.01121501625743115 | 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 | 3448488.18618 | 0.004635866691009357 | 3435823.85189 | 0.004503662661374145 | 0 | 0 | 3448488.18618 | 0.004883535969453284 | 1253740.31161 | 0 | 1439440.03257 | 0 | 1304377.70404 | 0.0021376153701132814 BNR | 27100766.63970

4194 | 0.037360560757860824 | 26163708.638067868 | 0.03517235926008812 | 27007291.162196837 | 0.03540103743244517 | 0 | 0 | 26207052.300543156 | 0.03711280875948624 | 21139443.618803572 | 0.032672013395595105 | 19927809.1682 | 0.03135299093810876 | 19954887.486337997 | 0.03270208779831244 62991948.399194196 | 0.08683940741278662 | 63199855.49184787 | 0.08496073906398163 | 64045498.092376836 | 0.083950554749505 | 0 | 0 | 60524087.76428315 | 0.08571047475231114 | 53407991.84212357 | 0.08254458614727032 | 51004771.18639 | 0.08024726227101067 | 45142196.479417995 | 0.07397907273039252 725384364.9558059 | 1.000000000001088 | 743871300.9054784 | 1.000000000024795 | 762895472.0246152 | 0.9999999999996109 | 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) Juin 26 | Septembre 25 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 8592306.667453093 | 18611527.39196 | 27203834.05941309 | 0.3158491060005557 | 8511679.207066964 | 16364470.15132 | 24876149.358386964 | 0.3421622488448865 Avoirs à la BRH | 189925157.88793266 | 111793766.55864 | 301718924.44657266 | 0.6294771142920601 | 171406440.94026208 | 104514262.97969 | 275920703.9199521 | 0.6212163078200509 Avoirs à l'étranger | 36398991.01086155 | 0 | 36398991.01086155 | 1 | 31158897.078470916 | 0 | 31158897.078470916 | 1 Avoirs dans les banques locales | 395733.40500999603 | 459368.06186 | 855101.466869996 | 0.4627911661273769 | 369629.00575098407 | 212042.8384699991 | 581671.8442209831 | 0.6354596830211335 Autres liquidités | 767835.756100754 | 1352997.39492 | 2120833.151020754 | 0.36204439549202433 | 1735470.696493257 | 1384932.9912999999 | 3120403.6877932567 | 0.5561686467947288 236080024.727358 | 132217659.40738 | 368297684.134738 | 0.6410032832055238 | 213182116.9280442 | 122475708.96078 | 335657825.8888242 | 0.6351173739612253 Bons B.R.H. | 0 | 24400000 | 24400000 | 0 | 0 | 21100000 | 21100000 | 0 Bons du Trésor / M.E.F. | 0 | 74143766.05416 | 74143766.05416 | 0 | 0 | 40387098 | 40387098 | 0 Autres Placements | 117308013.52271047 | 23411401.40115118 | 140719414.92386165 | 0.8336306229398532 | 112380243.50917457 | 41752082.59099221 | 154132326.1001668 | 0.729115341035867 Portefeuille net | 69502275.24936393 | 42320215.7649467 | 111822491.01431063 | 0.621541110548765 | 70345201.4169151 | 44525036.67725414 | 114870238.09416924 | 0.6123884008949904 Immobilisations | 0 | 21408452.11752 | 21408452.11752 | 0 | 0 | 21558451.305379994 | 21558451.305379994 | 0 Autres actifs | 7329693.447071019 | 14773970.33325069 | 22103663.78032171 | 0.331605362799467 | 5143564.500849012 | 13296249.364417057 | 18439813.86526607 | 0.2789379837796316 430220006.94650346 | 332675465.07840854 | 762895472.024912 | 0.5639304763529319 | 401051126.3549829 | 305094626.8988234 | 706145753.2538064 | 0.5679438338430893 PASSIF Dépôts À vue | 191876140.4434131 | 109472192.36971 | 301348332.8131231 | 0.6367254089386397 | 173408064.7873165 | 100231307.75725 | 273639372.5445665 | 0.6337102120020183 Épargne | 134637397.48984087 | 88954416.84560001 | 223591814.33544087 | 0.6021570954643839 | 124658304.92039533 | 78509708.19404 | 203168013.11443532 | 0.6135724960315528 À terme | 76315876.10246757 | 29322188.930129997 | 105638065.03259757 | 0.7224278112148133 | 75096929.62087227 | 28253225.260900006 | 103350154.88177228 | 0.726626193320945 402829414.03572154 | 227748798.14544 | 630578212.1811615 | 0.6388254561513314 | 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 | 17808663.524884544 | 19014319.19603723 | 36822982.72092177 | 0.483629032983419 | 17209942.233356178 | 17752002.877819955 | 34961945.11117613 | 0.4922478477278643 17808663.524884544 | 19014319.19603723 | 36822982.72092177 | 0.483629032983419 | 17209942.233356178 | 17752002.877819955 | 34961945.11117613 | 0.4922478477278643 Obligations à terme Banques locales | 0 | 6611811.53024 | 6611811.53024 | 0 | 0 | 7397954.87062 | 7397954.87062 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 6161008.684766418 | 8189243.519613421 | 14350252.204379838 | 0.4293310387176344 | 5343372.041654408 | 7163620.862564326 | 12506992.904218733 | 0.42723075663151894 6161008.684766418 | 14801055.049853422 | 20962063.73461984 | 0.29391231525506817 | 5343372.041654408 | 14561575.733184326 | 19904947.774838734 | 0.26844441402698926 Autres passifs | 3251641.4591474417 | 7235073.83638772 | 10486715.295535162 | 0.3100724457096556 | 4822465.240850605 | 5774766.852869116 | 10597232.09371972 | 0.45506837995070065 430050727.7045199 | 268799246.22771835 | 698849973.9322383 | 0.6153691689859294 | 400539078.8444453 | 245082586.67606345 | 645621665.5205086 | 0.6203928712979689 AVOIR DES ACTIONNAIRES Capital versé | 0 | 25046497.95681 | 25046497.95681 | 0 | 0 | 21760625 | 21760625 | 0 Réserves | 0 | 8555885.12148 | 8555885.12148 | 0 | 0 | 9107922.27756 | 9107922.27756 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 3435823.85189 | 3435823.85189 | 0 | 0 | 3448488.18618 | 3448488.18618 | 0 BNR | 0 | 27007291.16219684 | 27007291.16219684 | 0 | 0 | 26207052.30054315 | 26207052.30054315 | 0 0 | 64045498.09237684 | 64045498.09237684 | 0 | 0 | 60524087.76428315 | 60524087.76428315 | 0 430050727.7045199 | 332844744.3200952 | 762895472.024615 | 0.5637085858737987 | 400539078.8444453 | 305606674.4403466 | 706145753.284792 | 0.5672187037608736 *Converties au taux de 130.5279 Gdes | *Converties au taux de 130.6911 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 | -0.0052447736766821395 | 3358671.2666999996 | 0.04117834653282075 | 3496975.79601 | 0 | 0 | 3406155.86207 | -0.06679530343386393 | 3178640.64772 | -0.014832972498423016 | 3131491.9584099995 | 0.23084571208576404 | 3854383.4494399996 Intérêts sur Bons B.R.H. | 951755.6470199999 | -0.15134522694034833 | 807711.97263 | -0.012446003353480964 | 797659.1867100003 | 0 | 0 | 758670.37692 | 0.09558318905819976 | 831186.51099 | -0.032435781468455674 | 804226.3269600002 | 0.03712483621726131 | 834083.0976299999 Autres | 2661569.537149724 | 0.15872863969002682 | 3084036.849221914 | -0.004118628195381262 | 3071334.848099114 | 0 | 0 | 2251517.613481733 | 0.02371076232382629 | 2304902.812482907 | 0.03854442430712945 | 2393743.964473944 | 0.04704965897101522 | 2506368.801666369 6989704.797789725 | 0.03729990011089337 | 7250420.088551913 | 0.015936972045199078 | 7365969.830819115 | 0 | 0 | 6416343.852471733 | -0.01583672627514839 | 6314729.971192907 | 0.0023330021581673744 | 6329462.249843944 | 0.13672142509638327 | 7194835.348736368 Dépenses d'intérêt | 1048193.937 | -0.04783916981722243 | 998049.2092464741 | 0.019815450129800148 | 1017826.0035793841 | 0 | 0 | 1053655.32644 | -0.018203132788027713 | 1034475.49862 | -0.016928494346816602 | 1016963.385989691 | 0.0172549700137257 | 1034511.0587200001 5941510.860789725 | 0.052320028659241735 | 6252370.879305439 | 0.015317860981550002 | 6348143.827239731 | 0 | 0 | 5362688.526031733 | -0.015371777245437935 | 5280254.472572907 | 0.00610659

7977205851 | 5312498.863854253 | 0.15959070258454838 | 6160324.290016368 0 AUTRES REVENUS | 0 Commissions | 2036292.42573 | 0.004055533623994423 | 2044550.6781308332 | 0.06780975221333874 | 2183191.1530024987 | 0 | 0 | 1843099.8900233335 | -0.088369885018455 | 1680225.3646644445 | 0.16419741179950267 | 1956114.0207822218 | 0.20220031671753544 | 2351640.8953199987 Gains sur change | 983965.789 | 0.049590557706716616 | 1032761.2012408394 | -0.14336416942637556 | 884700.2494091606 | 0 | 0 | 895146.8119799999 | 0.11708774814217593 | 999957.5364513858 | -0.1690914002512105 | 830873.3164210701 | 0.176160904328575 | 977240.7112242881 Autres | 1131477.4586852153 | 0.02649497542597087 | 1161455.92614812 | 0.26650814566382713 | 1470993.3912961185 | 0 | 0 | 813608.4956854434 | 0.4604694273813554 | 1188250.3338063254 | -0.19234263439179689 | 959699.1342850848 | 0.6713283631857228 | 1603972.3832554459 4151735.6734152157 | 0.02096283071725154 | 4238767.805519793 | 0.07080288469615327 | 4538884.793707778 | 0 | 0 | 3551855.1976887765 | 0.08913033319584067 | 3868433.2349221557 | -0.031471853342255905 | 3746686.471488377 | 0.3165910805021666 | 4932853.989799732 0 PRODUIT NET BANCAIRE | 10093246.534204941 | 0.03942162209868517 | 10491138.684825232 | 0.0377356498675313 | 10887028.62094751 | 0 | 0 | 8914543.72372051 | 0.02626539181714096 | 9148687.707495064 | -0.009783083105909056 | 9059185.33534263 | 0.22452272132442705 | 11093178.2798161 0 Dotation à la provision pour créances douteuses | 386641.52721049765 | 0.020425551589645857 | 394538.8936712351 | -0.17018430019359712 | 327394.56815263996 | 0 | 0 | 463140.4115434877 | -0.2770619247705262 | 334821.83768223535 | 0.24490672954641282 | 416821.9589297115 | 0.3765953032325293 | 573795.1509468231 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0 ET IMPÔTS SUR LE REVENU | 9706605.006994443 | 0.04017828930697493 | 10096599.791153997 | 0.045860415508055904 | 10559634.05279487 | 0 | 0 | 8451403.312177021 | 0.04288785474402342 | 8813865.869812828 | -0.019458259965958707 | 8642363.376412919 | 0.2171882470921316 | 10519383.128869276 0 DÉPENSES D'EXPLOITATION | 0 Salaires et avantages sociaux | 3407875.07576 | 0.0019742064366896762 | 3414602.9246699996 | -0.023616960765004077 | 3333960.38137 | 0 | 0 | 3211311.9183199997 | -0.007004432435129907 | 3188818.50096 | -0.08324403825745659 | 2923368.3716700003 | 0.10952808949187878 | 3243559.3243 Frais de locaux | 375906.23132 | 0.09539485007758124 | 411765.7499 | -0.009204293778490453 | 407975.73696999997 | 0 | 0 | 381504.11469 | 0.020560334837734808 | 389347.96703 | -0.0165195713979532 | 382916.10549 | 0.03936898040329462 | 397991.1221431417 Amortissement | 401504.96398 | 0.04650667728962418 | 420177.62577000004 | 0.008995448015761128 | 423957.31176 | 0 | 0 | 423939.87699 | -0.048011457578641815 | 403585.90557 | -0.03259981649115862 | 390429.07910999993 | 0.08473804944400389 | 423513.27772 Autres dépenses d'exploitation | 2562137.4736898835 | 0.05140474411722678 | 2693843.49491807 | 0.11012570826782117 | 2990504.917758585 | 0 | 0 | 2528773.8576871324 | -0.03135395927040711 | 2449486.78514914 | -0.05244262551767102 | 2321029.2669650796 | 0.30260079537620116 | 3023374.5692401538 6747423.744749883 | 0.02859847814631941 | 6940389.795258069 | 0.031123403580026732 | 7156398.347858585 | 0 | 0 | 6545529.767687133 | -0.01746086459528511 | 6431239.15870914 | -0.06429497104210563 | 6017742.82323508 | 0.17792310200332237 | 7088438.293403296 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 2959181.26224456 | 0.06658217803863771 | 3156209.995895928 | 0.07826656317595104 | 3403235.7049362846 | 0 | 0 | 1905873.5444898885 | 0.25014942255332245 | 2382626.711103688 | 0.10156599057099212 | 2624620.553177839 | 0.30721556352664386 | 3430944.8354659807 0 Impôts sur le revenu | 580229.8502203673 | 0.02456130428818983 | 594481.0521287206 | 0.05966487495433118 | 629950.6897666999 | 0 | 0 | 294962.86473696714 | 0.3979040749716101 | 412329.7905811062 | -0.002077

613730885003 | 411473.12854654196 | 0.5126783429144192 | 622426.4902435949 0 | 0 BÉNÉFICE NET | 2378951.4120241925 | 0.07683113274999329 | 2561728.943767207 | 0.08258331620802511 | 2773285.0151695847 | 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- juin 26) | 2025 (oct.24-juin 25) 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 | 3358671.2666999996 | 0.056637613034091656 | 3178640.64772 | 3496975.79601 | 0.11671236664633601 | 3131491.9584099995 | 0 | 0 | 3854383.4494399996 | 10232026.67633 | 0.053079754663309796 | 9716288.468199998 | 13570671.917639997 Intérêts sur Bons B.R.H. | 951755.6470199999 | 0.2545048231405513 | 758670.37692 | 807711.97263 | -0.028242203223486178 | 831186.51099 | 797659.1867100003 | -0.008165786209491458 | 804226.3269600002 | 0 | 0 | 834083.0976299999 | 2557126.80636 | 0.06810272528428085 | 2394083.2148700003 | 3228166.3125 Autres | 2661569.537149724 | 0.18212245874190133 | 2251517.613481733 | 3084036.849221914 | 0.3380333576406641 | 2304902.812482907 | 3071334.848099114 | 0.28306740139356507 | 2393743.964473944 | 0 | 0 | 2506368.801666369 | 8816941.234470753 | 0.2685946316032917 | 6950164.390438585 | 9456533.192104954 6989704.797789725 | 0.08935944807526476 | 6416343.852471733 | 7250420.088551913 | 0.14817579241353482 | 6314729.971192907 | 7365969.830819115 | 0.16375918522947613 | 6329462.249843944 | 0 | 0 | 7194835.348736368 | 21606094.717160754 | 0.13355126182364477 | 19060536.073508583 | 26255371.42224495 Dépenses d'intérêt | 1048193.937 | -0.005183278917644173 | 1053655.32644 | 998049.2092464741 | -0.03521232684787498 | 1034475.49862 | 1017826.0035793841 | 0.0008482287578658168 | 1016963.385989691 | 0 | 0 | 1034511.0587200001 | 3064069.1498258584 | -0.01321217922401257 | 3105094.211049691 | 4139605.269769691 5941510.860789725 | 0.10793510231822236 | 5362688.526031733 | 6252370.879305439 | 0.1841040828206239 | 5280254.472572907 | 6348143.827239731 | 0.19494497597578994 | 5312498.863854253 | 0 | 0 | 6160324.290016368 | 18542025.567334894 | 0.1621129472422761 | 15955441.862458892 | 22115766.15247526 AUTRES REVENUS Commissions | 2036292.42573 | 0.10481935176298053 | 1843099.8900233335 | 2044550.6781308332 | 0.21683121867354244 | 1680225.3646644445 | 2183191.1530024987 | 0.11608583641227212 | 1956114.0207822218 | 0 | 0 | 2351640.8953199987 | 6264034.256863331 | 0.14318891805330444 | 5479439.27547 | 7831080.170789998 Gains sur change | 983965.789 | 0.09922280438394118 | 895146.8119799999 | 1032761.2012408394 | 0.03280505780862066 | 999957.5364513858 | 884700.2494091606 | 0.06478356197542397 | 830873.3164210701 | 0 | 0 | 977240.7112242881 | 2901427.23965 | 0.0643620734900777 | 2725977.6648524557 | 3703218.376076744 Autres | 1131477.4586852153 | 0.39069031934330506 | 813608.4956854434 | 1161455.92614812 | -0.022549463607028638 | 1188250.3338063254 | 1470993.3912961185 | 0.5327651539374532 | 959699.1342850848 | 0 | 0 | 1603972.3832554459 | 3763926.776129454 | 0.2709279447393779 | 2961557.963776854 | 4565530.347032299 4151735.6734152157 | 0.16889215419502085 | 3551855.1976887765 | 4238767.805519793 | 0.09573244466376053 | 3868433.2349221557 | 4538884.793707778 | 0.21143971566553277 | 3746686.471488377 | 0 | 0 | 4932853.989799732 | 12929388.272642786 | 0.15782370639129042 | 11166974.904099308 | 16099828.89389904 PRODUIT NET BANCAIRE | 10093246.534204941 | 0.1322224498543933 | 8914543.72372051 | 10491138.684825232 | 0.14673699881900718 | 9148687.707495064 | 10887028.62094751 | 0.20176684966074246 | 9059185.33534263 | 0 | 0 | 11093178.2798161 | 31471413.83997768 | 0.160346959891191

27 | 27122416.7665582 | 38215595.0463743 Dotation à la provision pour créances douteuses | 386641.52721049765 | -0.1651742806853014 | 463140.4115434877 | 394538.8936712351 | 0.17835472262617055 | 334821.83768223535 | 327394.56815263996 | -0.21454577634704614 | 416821.9589297115 | 0 | 0 | 573795.1509468231 | 1108574.9890343728 | -0.08743052338681044 | 1214784.2081554346 | 1788579.3591022575 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 9706605.006994443 | 0.14851991420275634 | 8451403.312177021 | 10096599.791153997 | 0.14553590221227294 | 8813865.869812828 | 10559634.05279487 | 0.221845644863145 | 8642363.376412919 | 0 | 0 | 10519383.128869276 | 30362838.85094331 | 0.17196501002155679 | 25907632.558402766 | 36427015.68727204 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 3407875.07576 | 0.06120961228295518 | 3211311.9183199997 | 3414602.9246699996 | 0.0708050406889031 | 3188818.50096 | 3333960.38137 | 0.1404516836396658 | 2923368.3716700003 | 0 | 0 | 3243559.3243 | 10156438.3818 | 0.08933766277296085 | 9323498.79095 | 12567058.11525 Frais de locaux | 375906.23132 | -0.014673192645769195 | 381504.11469 | 411765.7499 | 0.05757775760589155 | 389347.96703 | 407975.73696999997 | 0.06544418247420629 | 382916.10549 | 0 | 0 | 397991.1221431417 | 1195647.71819 | 0.03629804621435381 | 1153768.1872100001 | 1551759.3093531418 Amortissement | 401504.96398 | -0.0529200347211716 | 423939.87699 | 420177.62577000004 | 0.04111075231075503 | 403585.90557 | 423957.31176 | 0.08587534700650153 | 390429.07910999993 | 0 | 0 | 423513.27772 | 1245639.90151 | 0.02273076015480542 | 1217954.86167 | 1641468.1393900001 Autres dépenses d'exploitation | 2562137.4736898835 | 0.013193594160794625 | 2528773.8576871324 | 2693843.49491807 | 0.09975832947963915 | 2449486.78514914 | 2990504.917758585 | 0.2884391249701453 | 2321029.2669650796 | 0 | 0 | 3023374.5692401538 | 8246485.886366538 | 0.129765496133166 | 7299289.909801353 | 10322664.479041506 6747423.744749883 | 0.03084455868788906 | 6545529.767687133 | 6940389.795258069 | 0.07916835682582905 | 6431239.15870914 | 7156398.347858585 | 0.18921638196751248 | 6017742.82323508 | 0 | 0 | 7088438.293403296 | 20844211.887866538 | 0.09738076780368332 | 18994511.749631353 | 26082950.043034647 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 2959181.26224456 | 0.5526640111039433 | 1905873.5444898885 | 3156209.995895928 | 0.3246766609251594 | 2382626.711103688 | 3403235.7049362846 | 0.29665817819483026 | 2624620.553177839 | 0 | 0 | 3430944.8354659807 | 9518626.96307677 | 0.3768929006707758 | 6913120.808771413 | 10344065.644237395 0 Impôts sur le revenu | 580229.8502203673 | 0.9671284747582946 | 294962.86473696714 | 594481.0521287206 | 0.44176109926693446 | 412329.7905811062 | 629950.6897666999 | 0.5309643475186152 | 411473.12854654196 | 0 | 0 | 622426.4902435949 | 1804661.5921157878 | 0.6130825755877555 | 1118765.7838646153 | 1741192.27410821 BÉNÉFICE NET | 2378951.4120241925 | 0.476774250692206 | 1610910.6797529212 | 2561728.943767207 | 0.30017405858187096 | 1970296.9205225818 | 2773285.0151695847 | 0.25309547132026444 | 2213147.424631297 | 0 | 0 | 2808518.3452223856 | 7713965.3709609825 | 0.33128973592450217 | 5794355.024906797 | 8602873.370129185 Marge nette en % Revenu d'intérêt | 0.850037452607232 | 0.014251738915174506 | 0.8357857136920575 | 0.8623460162229291 | 0.026165451628585634 | 0.8361805645943434 | 0.8618205033475953 | 0.02249187570861455 | 0.8393286276389808 | 0 | 0 | 0.8562147695427538 | 0.8581849617000796 | 0.021091933417697106 | 0.8370930282823825 Frais d'exploitation en % Produit net bancaire | 0.6685087619611371 | -0.0657441589449862 | 0.7342529209061233 | 0.6615478075127253 | -0.0414206798081771 | 0.7029684873209024 | 0.6573325557433647 | -0.006937199259663962 | 0.6642697550030287 | 0 | 0 | 0.6389907486027355 | 0.6623220676977797 | -0.03800312504284242 | 0.7003251927406221 [somfindétvan] SOMMAIRE FINANCIER RÉSULTATS - ANALYSE DES VARIATIONS ANNUELLES (En

milliers de gourdes) CUMUL (Octobre-Juin) | ANNÉE 2026 | Var. | 2025 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 10232026.67633 | 0.053079754663309796 | 9716288.468199998 | 13570671.91764 | -0.12389037895199685 | 15489696.256738683 | -0.13992857537666614 | 18009778.97099925 | 0.24098209778402271 | 14512521.174285 Intérêts sur Bons B.R.H. | 2557126.80636 | 0.06810272528428085 | 2394083.2148700003 | 3228166.3124999995 | 1.4272366874012452 | 1329975.90604 | 1.6212740243992865 | 507377.66966 | -0.32144906587356115 | 747737.0439599999 Autres | 8816941.234470753 | 0.2685946316032917 | 6950164.390438585 | 9456533.192104954 | -0.011714229295511526 | 9568622.226913143 | 0.13512274044143233 | 8429592.57709175 | 0.8803481196219355 | 4482995.722508347 21606094.717160754 | 0.13355126182364477 | 19060536.073508583 | 26255371.422244955 | -0.0050371943515529136 | 26388294.389691826 | -0.02072438584507596 | 26946749.217750996 | 0.3648585637714176 | 19743253.94075335 Dépenses d'intérêt | 3064069.1498258584 | -0.01321217922401257 | 3105094.211049691 | 4139605.269769691 | 0.0006670576714883822 | 4136845.7550730053 | 0.08240702010865569 | 3821894.7939359583 | 0.18496613342748142 | 3225319.8518688753 18542025.567334894 | 0.1621129472422761 | 15955441.862458892 | 22115766.152475264 | -0.006097692081604968 | 22251448.63461882 | -0.03776913675602411 | 23124854.423815038 | 0.3999846651147861 | 16517934.088884473 AUTRES REVENUS Commissions | 6264034.256863331 | 0.14318891805330444 | 5479439.27547 | 7831080.170789999 | 0.0373045460158341 | 7549451.316749999 | -0.011865182771838446 | 7640102.5296600005 | 0.22101637440058797 | 6257166.31639 Gains sur change | 2901427.23965 | 0.0643620734900777 | 2725977.6648524557 | 3703218.376076744 | -0.08415342019914288 | 4043492.062701131 | -0.20861083313328907 | 5109359.885112192 | -0.1136533916917172 | 5764516.767164173 Autres | 3763926.776129454 | 0.2709279447393779 | 2961557.963776854 | 4565530.347032299 | 0.3582687989574323 | 3361286.3304646825 | -0.11173966238884321 | 3784122.9515035637 | -0.05219042046972708 | 3992492.83108 12929388.272642786 | 0.15782370639129042 | 11166974.904099308 | 16099828.893899042 | 0.07660703401015755 | 14954229.709915813 | -0.09552408756913792 | 16533585.366275756 | 0.03243435406294831 | 16014175.914634172 PRODUIT NET BANCAIRE | 31471413.83997768 | 0.16034695989119127 | 27122416.7665582 | 38215595.046374306 | 0.02714415505309617 | 37205678.344534636 | -0.06184714927108687 | 39658439.79009079 | 0.21905525912095372 | 32532110.003518645 Dotation à la provision pour créances douteuses | 1108574.9890343728 | -0.08743052338681044 | 1214784.2081554346 | 1788579.3591022575 | -0.4741406971887348 | 3401250.77095801 | 0.26684421128219277 | 2684821.6542076245 | 0.08899862951902796 | 2465404.0707043083 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 30362838.85094331 | 0.17196501002155679 | 25907632.558402766 | 36427015.68727205 | 0.07758120169280361 | 33804427.57357663 | -0.08571491571799449 | 36973618.13588317 | 0.22971961805535648 | 30066705.932814337 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 10156438.3818 | 0.08933766277296085 | 9323498.79095 | 12567058.11525 | 0.08035843854761822 | 11632304.30462 | 0.014452648548123382 | 11466581.82742 | 0.22413691001391725 | 9367074.657760002 Frais de locaux | 1195647.71819 | 0.03629804621435381 | 1153768.1872100001 | 1551759.3093531416 | -0.10638487480072903 | 1736496.24496576 | 0.06249585882709251 | 1634355.7770500001 | 0.23986735871515127 | 1318169.8554784514 Amortissement | 1245639.90151 | 0.02273076015480542 | 1217954.86167 | 1641468.13939 | -0.007341512360007308 | 1653608.12387 | 0.1851570332448688 | 1395264.9965233284 | 0.11114514375329043 | 1255700.0355600002 Autres dépenses d'exploitation | 8246485.886366538 | 0.129765496133166 | 7299289.909801353 | 10322664.479041506 |

-0.039033771065380925 | 10741963.836217001 | 0.03395819551095257 | 10389166.48937497 | 0.360481389191059 | 7636390.010121607 20844211.887866538 | 0.09738076780368332 | 18994511.749631353 | 26082950.043034647 | 0.012365041424637126 | 25764372.50967276 | 0.03532209693625464 | 24885369.090368297 | 0.2711316249652447 | 19577334.55892006 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 9518626.96307677 | 0.3768929006707758 | 6913120.808771413 | 10344065.644237403 | 0.2865665175201943 | 8040055.063903868 | -0.33488671240712176 | 12088249.04551487 | 0.15242835958690956 | 10489371.373894278 Impôts sur le revenu | 1804661.5921157878 | 0.6130825755877555 | 1118765.7838646153 | 1741192.27410821 | 0.1414374593780589 | 1525438.174297296 | -0.2831039730434334 | 2127837.394738017 | 0.5266943923798346 | 1393754.6409803154 BÉNÉFICE NET | 7713965.3709609825 | 0.33128973592450217 | 5794355.024906797 | 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 30 JUIN 2026 Actif | 143733065 | 7644850.3222900005 | 57522017.68864802 | 57212042 | 202446272.67499998 | 281061314.23978204 | 749619561.92572 | 13275910.099191947 | 13275910.099191947 | - | 0 | 762895472.0249119 Bons B.R.H. | 16000000 | 400000 | 500000 | 0 | 4000000 | 3500000 | 24400000 | 0 | 0 | - | 0 | 24400000 Prêts | 12918350 | 210897.4250900001 | 12978335.484288681 | 11835039 | 27478518.83361 | 42004603.281390004 | 107425744.02437869 | 4396746.989931948 | 4396746.989931948 | - | 0 | 111822491.01431063 Dépôts | 112306903 | 4550007.92859 | 48532790.665548116 | 46001148 | 170360270.7588944 | 239592457.89696598 | 621343578.2499986 | 9234633.93116307 | 9234633.93116307 | - | 0 | 630578212.1811616 Avoir des Actionnaires | 13355205 | 1453100.2452700003 | 4231411.4870768385 | 6055727 | 13930428.15578 | 23653483.07454 | 62679354.96266684 | 1366143.1297100005 | 1366143.1297100005 | - | 0 | 64045498.09237684 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 Juin 26/Sept. 25 Actif | 0.08923087147751438 | 0.04195097406306932 | 0.12352591424306832 | 0.07612314863485832 | 0.08653017265207003 | 0.06510030381721879 | 0.08035481899102791 | 0.0809658569987285 | 0.0809658569987285 | 0 | 0 | 0.08036544637077471 Bons B.R.H. | -0.07514450867052024 | -0.6 | 0.6666666666666666 | 0 | 0 | 0.4 | 0.15639810426540285 | 0 | 0 | 0 | 0 | 0.15639810426540285 Prêts | -0.07115809024693526 | 0.16905564449721186 | -0.031088878489243785 | -0.020802034540794486 | 0.07196636752090554 | -0.06545883011402483 | -0.0247336576278198 | -0.0685011444512444 | -0.0685011444512444 | 0 | 0 | -0.026532086382202058 Dépôts | 0.08339033564861709 | 0.02050221199211052 | 0.121559953979834 | 0.08807179732226063 | 0.097325299

40777258 | 0.0740811271432692 | 0.08628559214776177 | 0.1305335927604959 | 0.1305335927604959 | 0 | 0 | 0.08690858623226676 Avoir des Actionnaires | 0.09585125534788538 | 0.008832345382277593 | 0.09359809970875052 | 0.060157178538272155 | 0.028168470784324953 | 0.0517908683646489 | 0.05794462351190614 | 0.06918701080863165 | 0.06918701080863165 | 0 | 0 | 0.05818196453960879 RÉSULTATS TRIM 3 2026 (Avril - Juin 2026) Revenus nets d'intérêt | 1592153 | 79652.51310000001 | 351533.004119114 | 508713 | 1272309.54068 | 2377626.84531 | 6181987.903209114 | 166155.92403061604 | 166155.92403061604 | 0 | 0 | 6348143.82723973 Autres revenus | 349616 | 4414.28567 | 469495.68597777747 | 655693 | 1220079.4751699998 | 1810154.26469 | 4509452.711507777 | 29432.082199999997 | 29432.082199999997 | 0 | 0 | 4538884.793707777 Dot. à la provision pr créances dout. | 0 | 4000 | -11643.137537359995 | 14745 | 159640.45863 | 145952.24706 | 312694.56815264 | 14700.000000000002 | 14700.000000000002 | 0 | 0 | 327394.56815264 Frais d'exploitation | 1314731 | 86004.98053 | 572331.426078585 | 833549 | 1681641.6291599995 | 2552246.87788 | 7040504.913648585 | 115893.43420999999 | 115893.43420999999 | 0 | 0 | 7156398.3478585845 Bénéfice net | 627038 | -5938.181759999992 | 182464.6179689665 | 228819 | 501926.9280600003 | 1191528.61332 | 2725838.977588967 | 47446.037580616045 | 47446.037580616045 | 0 | 0 | 2773285.015169583 TRIM 3 2025 (Avril - Juin 2025) Revenus nets d'intérêt | 1291105 | 72615.75932000001 | 310821.29796394403 | 443271 | 1028191.7309599998 | 2026809.14675 | 5172813.934993944 | 139684.92886030898 | 139684.92886030898 | 0 | 0 | 5312498.863854253 Autres revenus | 315774 | 10725.26982 | 316929.82467837713 | 631628 | 978483.5290999999 | 1463240.42173 | 3716781.0453283773 | 29905.426160000003 | 29905.426160000003 | 0 | 0 | 3746686.471488377 Dot. à la provision pr créances dout. | 30000 | 0 | -76321.72838028843 | 8204 | 196758.03565 | 236181.65165999997 | 394821.95892971155 | 22000 | 22000 | 0 | 0 | 416821.95892971155 Frais d'exploitation | 982329 | 75430.60119 | 524057.27391508 | 783576 | 1448818.96865 | 2109507.30416 | 5923719.14791508 | 94023.67531999998 | 94023.67531999998 | 0 | 0 | 6017742.823235081 Bénéfice net | 594550 | 7910.427950000012 | 125777.33246098767 | 244000 | 290653.25575999985 | 911152.7322800001 | 2174043.748450988 | 39103.676180309 | 39103.676180309 | 0 | 0 | 2213147.424631297 VARIATION TRIM 3 26 / TRIM 3 25 Revenus nets d'intérêt | 0.2331708110494499 | 0.09690394820483436 | 0.13098106990046943 | 0.1476342914379691 | 0.2374244047771838 | 0.17308866950918286 | 0.195091874731495 | 0.18950501951988824 | 0.18950501951988824 | 0 | 0 | 0.19494497597578975 Autres revenus | 0.10717158474098565 | -0.5884219470387179 | 0.4813868857379559 | 0.03809995756996207 | 0.24690854662849313 | 0.23708601663002257 | 0.2132683245292882 | -0.015828029250194293 | -0.015828029250194293 | 0 | 0 | 0.21143971566553252 Dot. à la provision pr créances dout. | -1 | 0 | 0.8474466212381131 | 0.7972940029254022 | -0.18864579989010474 | -0.3820339300950081 | -0.20801120332745301 | -0.33181818181818173 | -0.33181818181818173 | 0 | 0 | -0.2145457763470461 Frais d'exploitation | 0.338381540196818 | 0.14018686280074177 | 0.09211617616307999 | 0.06377556229389364 | 0.16069824149730882 | 0.20987818949330347 | 0.1885278045510598 | 0.232598426040766 | 0.232598426040766 | 0 | 0 | 0.18921638196751214 Bénéfice net | 0.054643007316457826 | -1.7506776874189194 | 0.4506955617425063 | -0.062217213114754095 | 0.726892502021222 | 0.30771556853965454 | 0.25381054522529023 | 0.21333956842932114 | 0.21333956842932114 | 0 | 0 | 0.2530954713202636 RÉSULTATS CUMUL 2026 (Octobre 2025 - Juin 2026) Revenus nets d'intérêt | 4503935 | 259413.87042099997 | 1035635.1681007519 | 1505168 | 3747509.92279 | 7048286.537500001 | 18099948.49881175 | 442077.06852314214 | 442077.06852314214 | 0 | 0 | 185

42025.567334894 Autres revenus | 1003843 | 18333.87324 | 1265497.7987427856 | 2023310 | 3379509.9836599994 | 5160876.79001 | 12851371.445652785 | 78016.82699 | 78016.82699 | 0 | 0 | 12929388.272642786 Dot. à la provision pr créances dout. | 102200 | 6352.37 | -5412.505965627244 | 33111 | 483024.71285 | 456726.75457999995 | 1076002.3314643726 | 32572.657570000003 | 32572.657570000003 | 0 | 0 | 1108574.9890343726 Frais d'exploitation | 3887314 | 254147.69464 | 1699835.3268565391 | 2408130 | 4732612.88301 | 7534370.890310001 | 20516410.79481654 | 327801.09305 | 327801.09305 | 0 | 0 | 20844211.887866538 Bénéfice net | 1518264 | 17247.67902099999 | 424506.34148683783 | 787784 | 1478195.31059 | 3371372.3337399983 | 7597369.664837835 | 116595.7061231421 | 116595.7061231421 | 0 | 0 | 7713965.370960978 CUMUL 2025 (Octobre 2024 - Juin 2025) Revenus nets d'intérêt | 3840532 | 201491.42106000002 | 920513.391828584 | 1296344 | 3233992.00581 | 6092997.53186 | 15585870.350558586 | 363610.511900309 | 363610.511900309 | 5961 | 5961 | 15955441.862458896 Autres revenus | 784842 | 22350.58473 | 907476.5835893096 | 1753921 | 2887978.76722 | 4622685.712230001 | 10979254.64776931 | 151517.25633 | 151517.25633 | 36203 | 36203 | 11166974.90409931 Dot. à la provision pr créances dout. | 200000 | 0 | -73189.79228456538 | 29856 | 529290.37738 | 481624.58151999995 | 1167581.1666154345 | 47203.04154 | 47203.04154 | 0 | 0 | 1214784.2081554343 Frais d'exploitation | 3211547 | 209635.84743000002 | 1596648.4723013518 | 2407294 | 4237158.52102 | 6938694.32894 | 18600978.169691354 | 302838.57993999997 | 302838.57993999997 | 90695 | 90695 | 18994511.749631353 Bénéfice net | 1213827 | 14206.158360000001 | 213369.0921664918 | 552529 | 1085245.0746299995 | 2643196.475130001 | 5722372.800286492 | 120513.22462030903 | 120513.22462030903 | -48531 | -48531 | 5794355.024906801 VARIATION CUMUL 2026/ CUMUL 2025 Revenus nets d'intérêt | 0.17273726660785538 | 0.28746856345686217 | 0.12506257626896713 | 0.16108687200311028 | 0.1587876271980401 | 0.15678473536955143 | 0.16130495709936804 | 0.21579837230983653 | 0.21579837230983653 | 0 | 0 | 0.16211294724227582 Autres revenus | 0.27903832873368145 | -0.17971393314862943 | 0.3945239156887195 | 0.15359243660347302 | 0.17019904094141003 | 0.11642389538967243 | 0.1705140155633278 | -0.4850960947967424 | -0.4850960947967424 | 0 | 0 | 0.15782370639129023 Dot. à la provision pr créances dout. | -0.489 | 0 | 0.9260483491388639 | 0.10902331189710611 | -0.0874107418294965 | -0.05169550703044025 | -0.07843466284791929 | -0.3099457893534713 | -0.3099457893534713 | 0 | 0 | -0.08743052338681047 Frais d'exploitation | 0.2104179076314312 | 0.21232936902579616 | 0.06462715891774064 | 0.00034727789792189905 | 0.11693080623066486 | 0.08584850883047901 | 0.10297483324001812 | 0.08242844460222264 | 0.08242844460222264 | 0 | 0 | 0.09738076780368332 Bénéfice net | 0.2508075697772417 | 0.21409874393375322 | 0.9895399899606627 | 0.42577855641966306 | 0.36208433020898234 | 0.27549062866171653 | 0.32766073270470436 | -0.03250695937735909 | -0.03250695937735909 | 0 | 0 | 0.3312897359245005 0 | 0 [sysratfinclé juin 26] 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 2026 | 0.09291672031066756 | 0.19007569592738957 | 0.07356159705628525 | 0.10584706974800864 | 0.06881049461524744 | 0.0841577331213946 | 0.08361488699901051 | 0.10290391540035755 | 0.10290391540035755 | 0 | 0 | 0.08395055474950502 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 30 juin 2026 | 0.7813574628774528 | 0.5951729251419867 | 0.843725457063132 | 0.8040466026365568 | 0.8415085568524381 | 0.8524561928596203 | 0.82887855361433 | 0.6955932860471198 | 0.6955932860471198 | 0 | 0 | 0.8265591228473963 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 30 juin 2026 | 0.3916071224674734 | 0.6935681782172353 | 0.0027611307843896067 | 0.007671927896822245 | 0.056920403674302456 | 0.00828341578732469 | 0.08106281433572926 | 0.05180860806987473 | 0.05180860806987473 | 0 | 0 | 0.07992470595270464 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 30 juin 2026 | 0.6971751311756149 | 0.848395183640522 | 5.405349554424053 | 4.439323822593857 | 1.8575927850692218 | 3.914284011185441 | 1.0911005360361687 | 1.5118831396546069 | 1.5118831396546069 | 0 | 0 | 1.1017119670931095 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 30 juin 2026 | 0.1577885176603429 | 0.03707861406393324 | -0.037873176904730806 | -0.053386323392715686 | -0.10767420593584862 | -0.044305523525963016 | -0.013884967290818017 | -0.09260445758434788 | -0.09260445758434788 | 0 | 0 | -0.015564118738491416 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 3 2026 (avril -juin 2026) | 0.017731375039555165 | -0.0030801195168572615 | 0.012842916609009377 | 0.016077907576466 | 0.01008280128922486 | 0.017134352974840592 | 0.014730185188436147 | 0.014401106854715138 | 0.014401106854715138 | 0 | 0 | 0.014724428836773417 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 CUMUL 2026 (octobre 2025-juin 2026) | 0.014685638968574916 | 0.003069957626192101 | 0.010412243884913323 | 0.019032564151347957 | 0.010139298038093953 | 0.016497712694006784 | 0.014035247633338506 | 0.012165613318914865 | 0.012165613318914865 | 0 | 0 | 0.014002720936071432 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 ROE (rendement de l'avoir des actionn.) TRIM 3 2026 (avril -juin 2026) | 0.1923180791195249 | -0.016312909317082843 | 0.17599519540830325 | 0.1540526995906211 | 0.1486137118600527 | 0.197072491443672 | 0.1750692192257536 | 0.14137463285796537 | 0.14137463285796537 | 0 | 0 | 0.17435827318182903 TRIM 3 2025 (avril-juin 2025) | 0.19355142199500064 | 0.022191039506586806 | 0.1452971629350061 | 0.18467589333

41558 | 0.09024109622750869 | 0.1689403934045022 | 0.15278595029450376 | 0.1283112936823106 | 0.1283112936823106 | 0 | 0 | 0.15227275675907165 CUMUL 2026 (octobre 2025-juin 2026) | 0.15850998335503919 | 0.015895680435594823 | 0.1397436509192295 | 0.17851696815244045 | 0.14344860940667023 | 0.19483934131708877 | 0.16616391790136237 | 0.11760045913721566 | 0.11760045913721566 | 0 | 0 | 0.1651331998986719 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 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 3 2026 (avril -juin 2026) | 0.9051487325724448 | 0.8818402880167926 | 0.720542256566758 | 0.8330748634640421 | 0.8134689773222571 | 0.8999208676699149 | 0.8641383263148732 | 0.783619135727504 | 0.783619135727504 | 0 | 0 | 0.8618205033475953 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 CUMUL 2026 (octobre 2025-juin 2026) | 0.9004775958980494 | 0.89021216039524 | 0.7199482230071691 | 0.8325384999164789 | 0.8105028918705897 | 0.8962241465697114 | 0.8607691652970609 | 0.7642446909909296 | 0.7642446909909296 | 0 | 0 | 0.8581849617000797 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 Rendement moyen des prêts TRIM 3 2026 (avril -juin 2026) | 0.09607745539284436 | 0.03886896666979281 | 0.10769854663272076 | 0.1628789428524231 | 0.08584471839380889 | 0.12779892749365676 | 0.1133386162331675 | 0.12739626488696262 | 0.12739626488696262 | 0 | 0 | 0.11388576150657034 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 CUMUL 2026 (octobre 2025-juin 2026) | 0.08651277909606721 | 0.027539557546265414 | 0.10782698188577035 | 0.1596052661487484 | 0.08291475366584058 | 0.12481965574137793 | 0.1094685098537142 | 0.11054657373756228 | 0.11054657373756228 | 0 | 0 | 0.10951123927842131 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 Rendement moyen des prêts productifs TRIM 3 2026 (avril -juin 2026) | 0.15862454888255612 | 0.14011251333023408 | 0.10816481299567729 | 0.16425910089275406 | 0.09100635864269085 | 0.1290420367181384 | 0.12357570213006845 | 0.1364072838448352 | 0.1364072838448352 | 0 | 0 | 0.12408390288996923 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 CUMUL 2026 (octobre 2025-juin 2026) | 0.1545177515469626 | 0.19672741588754847 | 0.10802087449616987 | 0.16087290801459853 | 0.08753176698560013 | 0.1256023709259646 | 0.12039408749409587 | 0.11911300188946429 | 0.11911300188946429 | 0 | 0 | 0.1203423022010278 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 Rémunération moyenne des dépôts TRIM 3 2026 (avril -juin 2026) | 0.006031843540770943 | 0.009436126181367516 | 0.011353484588135464 | 0.008961482437310554 | 0.007000274643880112 | 0.0044731489964797 | 0.006354168227716591 | 0.020026965897161075 | 0.020026965897161075 | 0 | 0 | 0.006555927008451434 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 CUMUL 2026 (octobre 2025-juin 2026) | 0.006146341034115554 | 0.009470329923351293 | 0.011701580142459167 | 0.009145507619371539 | 0.007175642882374734 | 0.004704030831469449 | 0.006542342004632727 | 0.020896385516520132 | 0.020896385516520132 | 0 | 0 | 0.006748665881744099 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 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 3 2026 (avril -juin 2026) | 0.6770789934333075 | 1.0230552582988524 | 0.6970906534472538 | 0.7158576991186922 | 0.6747107367533055 | 0.6094508788402268 | 0.6585178899050562 | 0.592538553071353 | 0.592538553071353 | 0 | 0 | 0.6573325557433646 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 CUMUL 2026 (octobre 2025-juin 2026) | 0.7057862535490719 | 0.9150306363971598 | 0.7386949608514809 | 0.6824840625334776 | 0.6640381176327226 | 0.6171078794018067 | 0.6628606092285826 | 0.6302729100993975 | 0.6302729100993975 | 0 | 0 | 0.6623220676977798 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 Productivité par employé ('000) TRIM 3 2026 (avril -juin 2026) | 7958.069672131148 | 2169.4657747096776 | 7024.844407246131 | 6289.836596893991 | 9014.065156781195 | 10807.177058064515 | 8561.714205979493 | 10094.864837709216 | 10094.864837709216 | 0 | 0 | 8585.138390101534 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 CUMUL 2026 (octobre 2025-juin 2026) | 7771.115343915343 | 2452.5187078233994 | 6577.014553322008 | 6260.3291195387 | 8856.191247530289 | 10505.895086595676 | 8359.855483160007 | 9064.817350991583 | 9064.817350991583 | 0 | 0 | 8370.613429078445 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 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 26] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles a

nnualisées 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 2026 | 0.09145607411903081 | 0.1875756508175578 | 0.07237010512335425 | 0.10287062114145222 | 0.06684814449397582 | 0.08978981942455881 | 0.08467703539810206 | 0.10081031561600744 | 0.10081031561600744 | 0 | 0 | 0.08496073906398163 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 mars 2026 | 0.7830286498057352 | 0.5783276131273121 | 0.8467863163387609 | 0.7943515316400919 | 0.8327422928202387 | 0.8475468312857611 | 0.8242463275129202 | 0.695125527081516 | 0.695125527081516 | 0 | 0 | 0.8219757387715781 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 mars 2026 | 0.3969044050331622 | 0.7531110401049378 | 0.005748816823333597 | 0.009122036644972424 | 0.056499441841083 | 0.010965573976089093 | 0.08461255371291967 | 0.08025067023519727 | 0.08025067023519727 | 0 | 0 | 0.08444270668271116 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 mars 2026 | 0.6607856438833327 | 0.8109123890419626 | 2.5896945950061134 | 3.6244566894423627 | 1.9366949961548259 | 2.8846824586227644 | 1.0291578304832538 | 0.9344483462059546 | 0.9344483462059546 | 0 | 0 | 1.025653025220573 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 mars 2026 | 0.19568230052292682 | 0.0475470721769863 | -0.03193373034826257 | -0.05108695726790263 | -0.11576452361581593 | -0.03678365344607007 | -0.0047139795665616605 | 0.019110687080275753 | 0.019110687080275753 | 0 | 0 | -0.00421686579337901 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 2 2026 (janvier -mars 2026) | 0.014578493016234532 | 0.009050313216803146 | 0.012092715058781948 | 0.0178023344149638 | 0.009752688060465212 | 0.016560533352994844 | 0.01403467136884143 | 0.009135808511874132 | 0.009135808511874132 | 0 | 0 | 0.01394844479867455 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 CUMUL 2026 (octobre 2025-mars 2026) | 0.01314828255643369 | 0.006135670489023865 | 0.009020044059279538 | 0.02036153457993919 | 0.010219457486863825 | 0.0161726320831653 | 0.013677787843577115 | 0.010905812862201304 | 0.010905812862201304 | 0 | 0 | 0.013629302748795879 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 ROE (rendement de l'avoir des actionn.) TRIM 2 2026 (janvier -mars 2026) | 0.1584309279569446 | 0.04772203186733999 | 0.16620123387161212 | 0.1675340498059559 | 0.13854982027327697 | 0.18692356316438252 | 0.1639573063608993 | 0.08956496740820326 | 0.08956496740820326 | 0 | 0 | 0.16240223943412901 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 CUMUL 2026 (octobre 2025-mars 2026) | 0.14308133736850961 | 0.03198693082460983 | 0.12205962517876427 | 0.19376530622945068 | 0.1466006207302942 | 0.18471515427435206 | 0.16087281397872516 | 0.10653008432194874 | 0.10653008432194874 | 0 | 0 | 0.1597323921551156 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 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2026 (janvier -mars 2026) | 0.9066820417255983 | 0.9023714328499121 | 0.7262306936029723 | 0.8332451440053583 | 0.8101992655986548 | 0.9015452948750641 | 0.8651840062336573 | 0.7538453373969588 | 0.7538453373969588 | 0 | 0 | 0.8623460162229291 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 CUMUL 2026 (octobre 2025-mars 2026) | 0.8979437645286892 | 0.8939727860588983 | 0.7196433535021803 | 0.8322649403105871 | 0.8089866571317238 | 0.8943539499679537 | 0.8590318686512041 | 0.7530330516836852 | 0.7530330516836852 | 0 | 0 | 0.8563044100681223 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 Rendement moyen des prêts TRIM 2 2026 (janvier -mars 2026) | 0.08695847130663616 | 0.04950549608952744 | 0.10464065957164899 | 0.15524350069458226 | 0.0819256993186528 | 0.12289457715652344 | 0.10827026823169972 | 0.1054115620757776 | 0.1054115620757776 | 0 | 0 | 0.10815803538784809 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 CUMUL 2026 (octobre 2025-mars 2026) | 0.0808603569584458 | 0.03109017811740244 | 0.10281723475275306 | 0.15698785253936928 | 0.08447863304512207 | 0.1241433896771847 | 0.10811432049722104 | 0.10393718965699981 | 0.10393718965699981 | 0 | 0 | 0.10794869179953158 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 Rendement moyen des prêts productifs TRIM 2 2026 (janvier -mars 2026) | 0.14433178769655122 | 0.41810701603993866 | 0.10506255664435 | 0.15697443747442025 | 0.08685503599593752 | 0.1238443385685023 | 0.11848702569308066 | 0.11489563758561093 | 0.11489563758561093 | 0 | 0 | 0.11834548204215538

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 CUMUL 2026 (octobre 2025-mars 2026) | 0.14485341707274846 | 0.25582974516804613 | 0.1031633637745508 | 0.15834994357388696 | 0.08914857557377204 | 0.12508808763890647 | 0.11913213365200172 | 0.11367289726601512 | 0.11367289726601512 | 0 | 0 | 0.11891410206012734 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 Rémunération moyenne des dépôts TRIM 2 2026 (janvier -mars 2026) | 0.00594755304418146 | 0.009343078850653072 | 0.011371042932746335 | 0.009074939351222392 | 0.007250067683241239 | 0.00450517201644205 | 0.006426904746662526 | 0.02043001870522436 | 0.02043001870522436 | 0 | 0 | 0.006634170036045456 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 CUMUL 2026 (octobre 2025-mars 2026) | 0.006225401882633586 | 0.009521028908491408 | 0.011739409628423274 | 0.009204581876645513 | 0.007344406090807582 | 0.004835823318829411 | 0.006661616115373193 | 0.020969890807833205 | 0.020969890807833205 | 0 | 0 | 0.006868882921922023 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 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2026 (janvier -mars 2026) | 0.6885153523074667 | 0.8258516007290179 | 0.7083856583779565 | 0.7003014933152012 | 0.6665978349407551 | 0.6217649061871536 | 0.6615689254499147 | 0.6602040164162187 | 0.6602040164162187 | 0 | 0 | 0.6615478075127253 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 CUMUL 2026 (octobre 2025-mars 2026) | 0.7214179773522725 | 0.8681427809257516 | 0.7617732875255736 | 0.6660461271907117 | 0.658298648990151 | 0.6211054251416225 | 0.6651523270121971 | 0.6530163730110485 | 0.6530163730110485 | 0 | 0 | 0.6649610077911693 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 Productivité par employé ('000) TRIM 2 2026 (janvier -mars 2026) | 7820.743509865005 | 2677.831501936306 | 6900.726815980315 | 6143.925778661365 | 8348.001070058852 | 10610.083840885705 | 8295.407521656627 | 8432.176333637713 | 8432.176333637713 | 0 | 0 | 8297.489814987828 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 CUMUL 2026 (octobre 2025-mars 2026) | 7627.826737967915 | 2565.310528357616 | 6352.378870157279 | 6213.067017082786 | 8670.965183536015 | 10488.894694357634 | 8249.976312632656 | 8428.724396948726 | 8428

.724396948726 | 0 | 0 | 8252.73537898373 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 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. 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 | 0.0126464

21116616858 | 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 sept

embre 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 | 0.07579111704

185382 | 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 | 0.0180

84313301108625 | 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 ACCEPTATIO

NS 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 | 0.016553697928653

71 | 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 | 0.0271

2646995166294 | 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 | 0.81534937

3868317 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 | 0.7914

204651850779 | 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 | 0.00

06692371528317625 | 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 | 0.2048

0448112817282 | 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 | 0.01560

2589496314581 | 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 4 202

4 (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 | 0.78617

7172062791 | 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 | 0.0078051022

81382185 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 T

RIM 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 | 0.114818

43130506011 | 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-ma

rs 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 | -0.0440

23165949195725 | 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 Rend

ement 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 | 0.16416

787441141184 | 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) | 0.11

980193358112166 | 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 | 2144.5561427956

99 | 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 RENT

ABILITÉ 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 | 0.0153332429928

05855 | 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 | 0.700663

6316816538 | 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 | 0.13163156590

764438 | 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 | 61

13.017010262304 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 | -0.0167071446

87341653 | 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 | 0.6807812

446138509 | 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 | 0.122087673370877

92 | 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 RE

VENUS 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 | 0.033671

84546570979 | 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 | 0.71

4050408601038 | 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 202

1 | 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 | 0.1048149174064254

6 | 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 | 0.00947124874203

056 | 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 | 0.018

640930026998497 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 | 0.0190145

71024067263 | 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 Re

venus 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 2

020 - 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 | 0.0839431250994646

2 | 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 | 0.67319806

20337789 | 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 20

20 (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 | SYSTÈ

ME 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 [bilsysbanjuin 26] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 juin 2026 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 9817278 | 268331.78359 | 3547716.1662002443 | 2229708 | 5523958.212879999 | 5752211.593332849 | 27139203.756003093 | 64630.30341 | 64630.30341 | 27203834.059413094 Avoirs à la BRH | 48995118 | 2267803.01009 | 22592550.1665361 | 22502791 | 81093183.29003 | 121987775.97049657 | 299439221.4371526 | 2279703.00942 | 2279703.00942 | 301718924.4465726 Avoirs à l'étranger | 2028512 | 0 | 1557218.57483052 | 8904853 | 7174261.23207 | 16734146.203961035 | 36398991.01086155 | 0 | 0 | 36398991.01086155 Avoirs dans les banques locales | 0 | 0 | 496589.986449996 | 198827 | 7042.36 | 3201.6492200000002 | 705660.995669996 | 149440.4712 | 149440.4712 | 855101.466869996 Autres liquidités | 571801 | 22318.37358 | 295634.106570943 | 294727 | 111128.84371 | 798621.845519811 | 2094231.1693807542 | 26601.981639999998 | 26601.981639999998 | 2120833.151020754 61412709 | 2558453.16726 | 28489709.000587806 | 34130906 | 93909573.93869 | 145275957.26253027 | 365777308.369068 | 2520375.76567 | 2520375.76567 | 368297684.134738 Bons B.R.H. | 16000000 | 400000 | 500000 | 0 | 4000000 | 3500000 | 24400000 | 0 | 0 | 24400000 Bons du Trésor / M.E.F. | 29915000 | 2654905 | 1718861.05416 | 1077000 | 18148750 | 20629250 | 74143766.05416 | 0 | 0 | 74143766.05416 Autres Placements | 16134055 | 0 | 7572856.2949474575 | 6193861 | 47246415.43546 | 59738088.30621418 | 136885276.03662163 | 3834138.88724 | 3834138.88724 | 140719414.92386162 Portefeuille net | 12918350 | 210897.4250900001 | 12978335.484288681 | 11835039 | 27478518.83361 | 42004603.281390004 | 107425744.02437869 | 4396746.989931948 | 4396746.989931948 | 111822491.01431063 Immobilisations | 2573329 | 396023.79730000003 | 4608708.7983800005 | 2100820 | 5678333.31122 | 5227787.14158 | 20585002.04848 | 823450.06904 | 823450.06904 | 21408452.11752 Autres actifs | 4779622 | 1424570.93264 | 1653547.0562840747 | 1874416 | 5984681.156019999 | 4685628.248067632 | 20402465.393011704 | 1701198.3873100001 | 1701198.387

3100001 | 22103663.780321702 143733065 | 7644850.3222900005 | 57522017.68864802 | 57212042 | 202446272.67499998 | 281061314.23978204 | 749619561.92572 | 13275910.099191947 | 13275910.099191947 | 762895472.0249119 PASSIF Dépôts À vue | 50605620 | 1651418.1384100001 | 23443384.494987667 | 22340802 | 84813999.85732137 | 114329149.20478722 | 297184373.6955062 | 4163959.1176168565 | 4163959.1176168565 | 301348332.81312305 Épargne | 47656963 | 673503.40119 | 11249498.688157327 | 14650024 | 56677801.573413715 | 91172304.98421258 | 222080095.6469736 | 1511718.6884672567 | 1511718.6884672567 | 223591814.33544087 À terme | 14044320 | 2225086.38899 | 13839907.482403126 | 9010322 | 28868469.32815933 | 34091003.707966164 | 102079108.90751863 | 3558956.125078957 | 3558956.125078957 | 105638065.03259759 112306903 | 4550007.92859 | 48532790.665548116 | 46001148 | 170360270.7588944 | 239592457.89696598 | 621343578.2499985 | 9234633.93116307 | 9234633.93116307 | 630578212.1811615 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 6238216 | 531565.9553200001 | 2965529.1900868258 | 3143004 | 10838720.277229998 | 12737286.01712495 | 36454321.43976177 | 368661.28116 | 368661.28116 | 36822982.72092177 6238216 | 531565.9553200001 | 2965529.1900868258 | 3143004 | 10838720.277229998 | 12737286.01712495 | 36454321.43976177 | 368661.28116 | 368661.28116 | 36822982.72092177 Obligations à terme Banques locales | 1832907 | 0 | 0 | 267852 | 1866876.36364 | 1216470.1985 | 5184105.56214 | 1427705.9681000002 | 1427705.9681000002 | 6611811.53024 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 8101086 | 1071194.5539 | 769233.1931055046 | 185220 | 1178110.6497600004 | 2705801.973834335 | 14010646.37059984 | 339605.83378 | 339605.83378 | 14350252.20437984 9933993 | 1071194.5539 | 769233.1931055046 | 453072 | 3044987.0134000005 | 3922272.172334335 | 19194751.93273984 | 1767311.8018800002 | 1767311.8018800002 | 20962063.73461984 Autres passifs | 1898748 | 38981.63921 | 1023053.1528307365 | 1559091 | 4271866.47232 | 1155815.0759044238 | 9947555.34026516 | 539159.95527 | 539159.95527 | 10486715.29553516 130377860 | 6191750.077019999 | 53290606.20157118 | 51156315 | 188515844.5218444 | 257407831.1623297 | 686940206.9627652 | 11909766.969473071 | 11909766.969473071 | 698849973.9322383 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 748950.00079 | 2025000 | 5986922.95602 | 12520625 | 24446497.95681 | 600000 | 600000 | 25046497.95681 Réserves | 1569551 | 58117.833620000005 | 509253.044 | 1004346 | 1925502.8827 | 3266401.51526 | 8333172.27558 | 222712.84590000001 | 222712.84590000001 | 8555885.12148 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 2014325 | 1420114.85189 | 1384 | 0 | 0 | 3435823.85189 | 0 | 0 | 3435823.85189 BNR | 8785654 | -784342.58835 | 1553093.5903968383 | 3024997 | 6018002.31706 | 7866456.559280001 | 26463860.87838684 | 543430.2838100003 | 543430.2838100003 | 27007291.16219684 13355205 | 1453100.2452700003 | 4231411.4870768385 | 6055727 | 13930428.15578 | 23653483.07454 | 62679354.96266684 | 1366143.1297100005 | 1366143.1297100005 | 64045498.09237684 143733065 | 7644850.32229 | 57522017.68864802 | 57212042 | 202446272.67762437 | 281061314.2368697 | 749619561.9254321 | 13275910.099183071 | 13275910.099183071 | 762895472.0246152 Hors-bilan Effets à l'encaissement | 1625913 | 0 | 0 | 0 | 2630.0643791959997 | 4750.312306932 | 1633293.3766861279 | 0 | 0 | 1633293.3766861279 Crédit documentaire | 0 | 0 | 0 | 0 | 1963573.040418345 | 1741173.7919909577 | 3704746.8324093027 | 0 | 0 | 3704746.8324093027 Autres | 7943205 | 1052868.21339 | 5449067.531593709 | 70893 | 6836143.472083649 | 2985086.4956999277 | 24337263.712767288 | 472213.64237102005 | 472213.64237102005 | 24809477.35513831 Portefeu

ille brut | 17769853 | 512409.19101000007 | 13174970.29616361 | 12252331 | 30727487.62303 | 43412184.40589 | 117849235.51609361 | 4770406.029771947 | 4770406.029771947 | 122619641.54586557 Provisions pour créances Fouteuses | 4851503 | 301511.76592 | 196634.81187492717 | 417292 | 3248968.78942 | 1407581.1245 | 10423491.491714928 | 373659.03984 | 373659.03984 | 10797150.531554928 Portefeuille de crédit improFuctif | 6958801 | 355390.70911057305 | 36377.816068156 | 93999 | 1749020.9994 | 359601.17367 | 9553190.698248727 | 247148.09633062198 | 247148.09633062198 | 9800338.79457935 Dépôts US convertis | 43759955 | 2590991.42138 | 32681648.646718122 | 33185368 | 115083248.52836442 | 168422389.32819593 | 395723600.9246585 | 7105813.111063071 | 7105813.111063071 | 402829414.03572154 Immobilisation /A | 0.19268360163696477 | 0.2725371484789853 | 1.0891658285788244 | 0.34691458184954505 | 0.40762087480160836 | 0.22101553183966613 | 0.3284175796119929 | 0.6027553417589552 | 0.6027553417589552 | 0.33426942962706363 Liquidité en % de l'actif | 0.7467155104498746 | 0.7342665886986953 | 0.5338576650938331 | 0.6153932768209881 | 0.5732796282449018 | 0.6027339896304814 | 0.6194089615676782 | 0.18984579940951887 | 0.18984579940951887 | 0.6119337016770937 Liquidité en % des dépôts | 0.9556643993646589 | 1.2337029419198227 | 0.6327386007198396 | 0.7653701598925314 | 0.6812522862384021 | 0.7070556759152288 | 0.7472855448687165 | 0.2729264402311362 | 0.2729264402311362 | 0.7403386941868793 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 145275957.26253027 | BNC | 16000000 | UNIBK | 42004603.281390004 | UNIBK | 23653483.07454 SOGEBK | 93909573.93869 | SOGEBK | 4000000 | SOGEBK | 27478518.83361 | SOGEBK | 13930428.15578 BNC | 61412709 | UNIBK | 3500000 | BUH | 12978335.484288681 | BNC | 13355205 CAPITALBK | 34130906 | BUH | 500000 | BNC | 12918350 | CAPITALBK | 6055727 BUH | 28489709.000587806 | BPH | 400000 | CAPITALBK | 11835039 | BUH | 4231411.4870768385 BPH | 2558453.16726 | CAPITALBK | 0 | SOGEBL | 4396746.989931948 | BPH | 1453100.2452700003 SOGEBL | 2520375.76567 | CBNA | 0 | BPH | 210897.4250900001 | SOGEBL | 1366143.1297100005 CBNA | 0 | SOGEBL | 0 | CBNA | 0 | CBNA | 0 0 [bilsysbanjuin 26$] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES CONVERTIES) AU 30 juin 2026 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 5902833 | 9731.98924 | 138469.00337024403 | 419593 | 1192375.9334 | 927504.0423328498 | 8590506.968343094 | 1799.6991100000002 | 1799.6991100000002 | 8592306.667453093 Avoirs à la BRH | 17798399 | 1119518.32373 | 16560093.6491461 | 15335103 | 53551026.53878 | 83910890.40623657 | 188275030.9178927 | 1650126.97004 | 1650126.97004 | 189925157.8879327 Avoirs à l'étranger | 2028512 | 0 | 1557218.57483052 | 8904853 | 7174261.23207 | 16734146.203961035 | 36398991.01086155 | 0 | 0 | 36398991.01086155 Avoirs dans les banques locales | 0 | 0 | 288235.264359996 | 1135 | 0 | 0 | 289370.264359996 | 106363.14065 | 106363.14065 | 395733.40500999603 Autres liquidités | 184741 | 3894.96297 | -19640.771979056997 | 93932 | 96929.23993000001 | 390505.159709811 | 750361.590630754 | 17474.16547 | 17474.16547 | 767835.756100754 25914485 | 1133145.27594 | 18524375.719727803 | 24754616 | 62014592.94417999 | 101963045.81224026 | 234304260.75208807 | 1775763.9752699998 | 1775763.9752699998 | 236080024.72735804 Bons B.R.H. | 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 Autres Placements | 16895879 | 0 | 6811440.524046279 | 3217357 | 42018891.46832 | 46264723.918174185 | 115208291.91054046 | 2099721.61217 | 2099721.61217 | 117308013.52271046 Portefeuille net | 4089591 | 230007.93377 | 8877949.699651983 | 7152003 | 18410873.85426 | 28181768.24504 | 66942193.732721984 | 2560081.51

6641947 | 2560081.516641947 | 69502275.24936393 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres actifs | 1968898 | 1371230.8137599998 | 381170.15085338545 | 367947 | 1194488.73363 | 881437.8447876329 | 6165172.543031018 | 1164520.9040400002 | 1164520.9040400002 | 7329693.447071019 48868853 | 2734384.02347 | 34594936.09427945 | 35491923 | 123638847.00039 | 177290975.82024208 | 422619918.93838155 | 7600088.008121948 | 7600088.008121948 | 430220006.94650346 PASSIF Dépôts À vue | 18455162 | 913267.2389700001 | 15187912.464357667 | 17553025 | 54003420.02350137 | 82320986.59472722 | 188433773.32155627 | 3442367.1218568566 | 3442367.1218568566 | 191876140.44341314 Épargne | 18141809 | 246820.09046 | 6725287.296177327 | 9773201 | 38603442.78662371 | 60033952.54753257 | 133524512.72079362 | 1112884.7690472568 | 1112884.7690472568 | 134637397.48984087 À terme | 7162984 | 1430904.09195 | 10768448.886183126 | 5859142 | 22476385.71823933 | 26067450.18593616 | 73765314.88230862 | 2550561.220158957 | 2550561.220158957 | 76315876.10246757 43759955 | 2590991.42138 | 32681648.646718122 | 33185368 | 115083248.52836442 | 168422389.32819593 | 395723600.9246585 | 7105813.111063071 | 7105813.111063071 | 402829414.03572154 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1610871 | 33852.56359 | 1296821.8428295949 | 1517827 | 6231870.717689998 | 6906482.723704953 | 17597725.847814545 | 210937.67707 | 210937.67707 | 17808663.524884544 1610871 | 33852.56359 | 1296821.8428295949 | 1517827 | 6231870.717689998 | 6906482.723704953 | 17597725.847814545 | 210937.67707 | 210937.67707 | 17808663.524884544 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3537628 | 23573.33874 | 528821.773062084 | 0 | 335104.34403000004 | 1422614.2689343346 | 5847741.724766418 | 313266.96 | 313266.96 | 6161008.684766418 3537628 | 23573.33874 | 528821.773062084 | 0 | 335104.34403000004 | 1422614.2689343346 | 5847741.724766418 | 313266.96 | 313266.96 | 6161008.684766418 Autres passifs | 0 | 4971.14071 | 63170.94688301762 | 784488 | 1933685.83245 | 495153.73696442397 | 3281469.657007442 | -29828.197860000007 | -29828.197860000007 | 3251641.4591474417 48908454 | 2653388.46442 | 34570463.20949282 | 35487683 | 123583909.4225344 | 177246640.05779967 | 422450538.1542469 | 7600189.550273071 | 7600189.550273071 | 430050727.70452 AVOIR DES ACTIONNAIRES Capital versé | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Réserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 Surplus d'apport | 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 48908454 | 2653388.46442 | 34570463.20949282 | 35487683 | 123583909.4225344 | 177246640.05779967 | 422450538.1542469 | 7600189.550273071 | 7600189.550273071 | 430050727.7045199 Actif devises en % actif total | 0.3399972928984712 | 0.357676593810789 | 0.6014207686790995 | 0.6203575638848898 | 0.6107242448413728 | 0.6307911008663032 | 0.5637792026834261 | 0.5724720905261731 | 0.5724720905261731 | 0.563930476352932 Dépôts devises en % dépôts totaux | 0.3896461733968392 | 0.5694476717500845 | 0.6733931471597364 | 0.7214030397676162 | 0.6755286782282599 | 0.7029536355465081 | 0.6368837061762286 | 0.7694742600552784 | 0.7694742600552784 | 0.6388254561513314 [bilsysbanjuin 26 gdes ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (GOURDES EXCLUANT LES DEVISES) AU 30 juin 2026 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 3914445 | 258599.79435 | 3409247.1628300003 | 1810115 | 4331582.279479999 | 4824707.551 | 18548696.78766 | 62830.6043 | 62830.6043 | 18611527.39196 Av

oirs à la BRH | 31196719 | 1148284.68636 | 6032456.517390001 | 7167688 | 27542156.75125 | 38076885.56426 | 111164190.51925999 | 629576.03938 | 629576.03938 | 111793766.55863999 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 0 | 0 | 208354.72209 | 197692 | 7042.36 | 3201.6492200000002 | 416290.73131 | 43077.33055 | 43077.33055 | 459368.06186 Autres liquidités | 387060 | 18423.41061 | 315274.87855 | 200795 | 14199.603780000001 | 408116.68581 | 1343869.57875 | 9127.81617 | 9127.81617 | 1352997.39492 35498224 | 1425307.89132 | 9965333.280860001 | 9376290 | 31894980.99451 | 43312911.450289994 | 131473047.61697999 | 744611.7903999999 | 744611.7903999999 | 132217659.40737998 Bons B.R.H. | 16000000 | 400000 | 500000 | 0 | 4000000 | 3500000 | 24400000 | 0 | 0 | 24400000 Bons du Trésor / M.E.F. | 29915000 | 2654905 | 1718861.05416 | 1077000 | 18148750 | 20629250 | 74143766.05416 | 0 | 0 | 74143766.05416 Autres Placements | -761824 | 0 | 761415.7709011787 | 2976504 | 5227523.96714 | 13473364.388039999 | 21676984.126081176 | 1734417.27507 | 1734417.27507 | 23411401.401151177 Portefeuille net | 8828759 | -19110.50867999997 | 4100385.7846367 | 4683036 | 9067644.97935 | 13822835.036350003 | 40483550.2916567 | 1836665.4732900003 | 1836665.4732900003 | 42320215.76494671 Immobilisations | 2573329 | 396023.79730000003 | 4608708.7983800005 | 2100820 | 5678333.31122 | 5227787.14158 | 20585002.04848 | 823450.06904 | 823450.06904 | 21408452.11752 Autres actifs | 2810724 | 53340.11888 | 1272376.905430689 | 1506469 | 4790192.422389999 | 3804190.40328 | 14237292.84998069 | 536677.4832700001 | 536677.4832700001 | 14773970.33325069 94864212 | 4910466.298819999 | 22927081.59436857 | 21720119 | 78807425.67461 | 103770338.41954 | 326999642.98733854 | 5675822.091069999 | 5675822.091069999 | 332675465.07840854 PASSIF Dépôts À vue | 32150458 | 738150.8994400001 | 8255472.03063 | 4787777 | 30810579.833820004 | 32008162.610060003 | 108750600.37395 | 721591.9957600001 | 721591.9957600001 | 109472192.36971 Épargne | 29515154 | 426683.31073 | 4524211.39198 | 4876823 | 18074358.786790006 | 31138352.43668 | 88555582.92618 | 398833.91942 | 398833.91942 | 88954416.84560001 À terme | 6881336 | 794182.29704 | 3071458.5962199997 | 3151180 | 6392083.60992 | 8023553.52203 | 28313794.025209997 | 1008394.9049200001 | 1008394.9049200001 | 29322188.930129997 68546948 | 1959016.50721 | 15851142.01883 | 12815780 | 55277022.230530016 | 71170068.56877 | 225619977.32534 | 2128820.8201 | 2128820.8201 | 227748798.14544 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4627345 | 497713.39173000003 | 1668707.3472572307 | 1625177 | 4606849.55954 | 5830803.293419999 | 18856595.591947228 | 157723.60408999998 | 157723.60408999998 | 19014319.19603723 4627345 | 497713.39173000003 | 1668707.3472572307 | 1625177 | 4606849.55954 | 5830803.293419999 | 18856595.591947228 | 157723.60408999998 | 157723.60408999998 | 19014319.19603723 Obligations à terme Banques locales | 1832907 | 0 | 0 | 267852 | 1866876.36364 | 1216470.1985 | 5184105.56214 | 1427705.9681000002 | 1427705.9681000002 | 6611811.53024 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4563458 | 1047621.21516 | 240411.42004342075 | 185220 | 843006.3057300001 | 1283187.7048999998 | 8162904.6458334215 | 26338.873780000024 | 26338.873780000024 | 8189243.5196134215 6396365 | 1047621.21516 | 240411.42004342075 | 453072 | 2709882.6693700003 | 2499657.9033999997 | 13347010.20797342 | 1454044.8418800002 | 1454044.8418800002 | 14801055.049853422 Autres passifs | 1898748 | 34010.4985 | 959882.2059477189 | 774603 | 2338180.63987 | 660661.3389399999 | 6666085.6832577195 | 568988.15313 | 568988.15313 | 7235073.83638772 81469406 | 3538361.6126 | 18720142.99207837 | 15668632 | 64931

935.09931002 | 80161191.10453 | 264489668.80851838 | 4309577.4192 | 4309577.4192 | 268799246.22771835 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 748950.00079 | 2025000 | 5986922.95602 | 12520625 | 24446497.95681 | 600000 | 600000 | 25046497.95681 Réserves | 1569551 | 58117.833620000005 | 509253.044 | 1004346 | 1925502.8827 | 3266401.51526 | 8333172.27558 | 222712.84590000001 | 222712.84590000001 | 8555885.12148 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 2014325 | 1420114.85189 | 1384 | 0 | 0 | 3435823.85189 | 0 | 0 | 3435823.85189 BNR | 8785654 | -784342.58835 | 1553093.5903968383 | 3024997 | 6018002.31706 | 7866456.559280001 | 26463860.87838684 | 543430.2838100003 | 543430.2838100003 | 27007291.16219684 13355205 | 1453100.2452700003 | 4231411.4870768385 | 6055727 | 13930428.15578 | 23653483.07454 | 62679354.96266684 | 1366143.1297100005 | 1366143.1297100005 | 64045498.09237684 94824611 | 4991461.85787 | 22951554.47915521 | 21724359 | 78862363.25509001 | 103814674.17907001 | 327169023.7711852 | 5675720.548910001 | 5675720.548910001 | 332844744.3200952 [bilsysbanmars 26] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 mars 2026 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 10314528 | 233044.77489 | 2387227.372711632 | 2268097 | 3731077.49426 | 4469555.05303 | 23403529.69489163 | 65057.89264 | 65057.89264 | 23468587.58753163 Avoirs à la BRH | 45908502 | 2489756.61173 | 23650240.803144485 | 22046492 | 81386105.96538 | 117282424.76659998 | 292763522.1468545 | 2240559.91936 | 2240559.91936 | 295004082.0662145 Avoirs à l'étranger | 2783048 | 0 | 944923.5357889859 | 8597741 | 8225977.186259999 | 19279670.56917 | 39831360.29121898 | 0 | 0 | 39831360.29121898 Avoirs dans les banques locales | 0 | 0 | 485997.445015276 | 142717 | 7042.36 | 3392.633550015581 | 639149.4385652917 | 230586.07474 | 230586.07474 | 869735.5133052918 Autres liquidités | 621491 | 54336.32955 | -13681.959837221999 | 369907 | 160552.04317000002 | 856452.87276 | 2049057.285642778 | 11624.79757 | 11624.79757 | 2060682.083212778 59627569 | 2777137.71617 | 27454707.19682316 | 33424954 | 93510755.04907 | 141891495.89510998 | 358686618.85717326 | 2547828.6843100004 | 2547828.6843100004 | 361234447.5414832 Bons B.R.H. | 13000000 | 500000 | 0 | 0 | 0 | 1500000 | 15000000 | 0 | 0 | 15000000 Bons du Trésor / M.E.F. | 29678640 | 2289260 | 1732914.90715 | 0 | 0 | 21383870 | 55084684.90715 | 0 | 0 | 55084684.90715 Autres Placements | 16006695 | 0 | 6498722.198158762 | 7013161 | 65133890.659040004 | 58172278.656827524 | 152824747.51402628 | 3700458.3853400005 | 3700458.3853400005 | 156525205.8993663 Portefeuille net | 13647574 | 189646.54458 | 13984722.163435135 | 12023071 | 25497762.658049993 | 42598860.26768 | 107941636.63374513 | 4431343.40450176 | 4431343.40450176 | 112372980.0382469 Immobilisations | 2544239 | 399168.29423999996 | 4520066.12713 | 2111905 | 5728055.056089999 | 5268300.598340001 | 20571734.0758 | 676661.74847 | 676661.74847 | 21248395.824270003 Autres actifs | 4667745 | 1623187.3635 | 1946152.2113404553 | 2069981 | 5927294.435330001 | 4446545.1406773 | 20680905.150847755 | 1724681.5256700001 | 1724681.5256700001 | 22405586.676517755 139172462 | 7778399.918489999 | 56137284.80403751 | 56643072 | 195797757.85758 | 275261350.55863476 | 730790327.1387423 | 13080973.74829176 | 13080973.74829176 | 743871300.887034 PASSIF Dépôts À vue | 48848389.01 | 1631795.32738 | 22475059.948329557 | 21442812 | 78781124.72307214 | 111729231.51945 | 284908412.5282317 | 4076906.5975733744 | 4076906.5975733744 | 288985319.1258051 Épargne | 46052350 | 670977.90481 | 10810282.621630784 | 14434830 | 55856829.33403094 | 88516086.79628 | 216341356.65675172 | 1527246.977985791

6 | 1527246.9779857916 | 217868603.63473752 À terme | 14075286 | 2195690.2266200003 | 14250942.038510479 | 9116869 | 28411119.750280004 | 33051567.12568 | 101101474.14109048 | 3488765.195961618 | 3488765.195961618 | 104590239.3370521 108976025.00999999 | 4498463.45881 | 47536284.60847082 | 44994511 | 163049073.8073831 | 233296885.44140998 | 602351243.3260739 | 9092918.771520784 | 9092918.771520784 | 611444162.0975947 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 7027281 | 719659.91827 | 2750007.260014812 | 3695275 | 11924350.76927 | 12590558.166299999 | 38707132.11385481 | 325659.02126 | 325659.02126 | 39032791.13511481 7027281 | 719659.91827 | 2750007.260014812 | 3695275 | 11924350.76927 | 12590558.166299999 | 38707132.11385481 | 325659.02126 | 325659.02126 | 39032791.13511481 Obligations à terme Banques locales | 1873894 | 0 | 0 | 278205 | 2028828.49702 | 965090.10692 | 5146017.60394 | 1451436.5910200002 | 1451436.5910200002 | 6597454.19496 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 7345866 | 1060231.7992 | 687780.4031407924 | 144646 | 975862.1776400001 | 2312186.047307 | 12526572.427287793 | 324149.1398100001 | 324149.1398100001 | 12850721.567097792 9219760 | 1060231.7992 | 687780.4031407924 | 422851 | 3004690.67466 | 3277276.154227 | 17672590.031227794 | 1775585.7308300002 | 1775585.7308300002 | 19448175.762057792 Autres passifs | 1221229 | 41006.31518 | 1100551.3308332134 | 1703527 | 4730925.8000300005 | 1380963.84027 | 10178203.286313213 | 568113.13255 | 568113.13255 | 10746316.418863213 126444295.00999999 | 6319361.49146 | 52074623.60245963 | 50816164 | 182709041.05134308 | 250545683.60220698 | 668909168.7574697 | 11762276.656160785 | 11762276.656160785 | 680671445.4136305 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 750000 | 2025000 | 5986922.95602 | 12520625 | 24447547.95602 | 600000 | 600000 | 25047547.95602 Réserves | 1569551 | 58117.833620000005 | 509253.044 | 994337 | 1925502.8827 | 3260636.1053599995 | 8317397.86568 | 222712.84590000001 | 222712.84590000001 | 8540110.711579999 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 2014325 | 1432779.18618 | 1384 | 0 | 0 | 3448488.18618 | 0 | 0 | 3448488.18618 BNR | 8158616 | -778404.40659 | 1370628.9724278718 | 2806187 | 5176290.970139995 | 8934405.855859999 | 25667724.391837865 | 495984.24623000005 | 495984.24623000005 | 26163708.638067864 12728167 | 1459038.4270300001 | 4062661.202607872 | 5826908 | 13088716.808859996 | 24715666.961219996 | 61881158.39971787 | 1318697.0921300002 | 1318697.0921300002 | 63199855.491847865 139172462.01 | 7778399.91849 | 56137284.8050675 | 56643072 | 195797757.8602031 | 275261350.563427 | 730790327.1571875 | 13080973.748290785 | 13080973.748290785 | 743871300.9054784 Hors-bilan Effets à l'encaissement | 1628096 | 0 | 0 | 0 | 8358.549235045999 | 4756.69929 | 1641211.2485250458 | 0 | 0 | 1641211.2485250458 Crédit documentaire | 0 | 0 | 0 | 0 | 1929466.7984957036 | 1672509.99441 | 3601976.7929057037 | 0 | 0 | 3601976.7929057037 Autres | 5960324 | 1088899.4500366421 | 5386510.716288379 | 50681 | 8583365.26254066 | 2916584.09891 | 23986364.527775683 | 558759.227458858 | 558759.227458858 | 24545123.75523454 Portefeuille brut | 18499384 | 487156.40923 | 14196068.689281706 | 12434175 | 28630583.724169992 | 43990372.47953 | 118237740.3022117 | 4790590.27762176 | 4790590.27762176 | 123028330.57983346 Provisions pour créances Fouteuses | 4851810 | 297509.86465 | 211346.52584656992 | 411104 | 3132821.06612 | 1391512.21185 | 10296103.66846657 | 359246.87312 | 359246.87312 | 10655350.54158657 Portefeuille de crédit improFuctif | 7342487 | 366882.870048992 | 81610.59850614199 | 113425 | 1617612 | 482379.68366 | 10004397.152215134 | 384448.080601366 | 384448.080601366 | 10388845.2328

165 Dépôts US convertis | 42407707 | 2569331.2611100003 | 33023476.059810817 | 31925990 | 111665514.65005305 | 165597640.59439 | 387189659.5653639 | 6965438.242040783 | 6965438.242040783 | 394155097.80740464 Immobilisation /A | 0.19989044769761427 | 0.273583126287182 | 1.1125875138760066 | 0.3624400797129455 | 0.43763304988099155 | 0.2131563192935964 | 0.3324393823224517 | 0.5131290214472491 | 0.5131290214472491 | 0.3362095634381763 Liquidité en % de l'actif | 0.7351038239159698 | 0.7156224640672102 | 0.5199329145657918 | 0.5900978322644648 | 0.47758848759181477 | 0.5986142462815911 | 0.5867227409031099 | 0.19477362567467277 | 0.19477362567467277 | 0.579830317333528 Liquidité en % des dépôts | 0.9387955652687098 | 1.2373997848684328 | 0.6140072229955477 | 0.7428673688663935 | 0.5735129483749064 | 0.706290465830036 | 0.7118293661962515 | 0.2801992130722485 | 0.2801992130722485 | 0.7054105005581668 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 141891495.89510998 | BNC | 13000000 | UNIBK | 42598860.26768 | UNIBK | 24715666.961219996 SOGEBK | 93510755.04907 | UNIBK | 1500000 | SOGEBK | 25497762.658049993 | SOGEBK | 13088716.808859996 BNC | 59627569 | BPH | 500000 | BUH | 13984722.163435135 | BNC | 12728167 CAPITALBK | 33424954 | BUH | 0 | BNC | 13647574 | CAPITALBK | 5826908 BUH | 27454707.19682316 | SOGEBK | 0 | CAPITALBK | 12023071 | BUH | 4062661.202607872 BPH | 2777137.71617 | CAPITALBK | 0 | SOGEBL | 4431343.40450176 | BPH | 1459038.4270300001 SOGEBL | 2547828.6843100004 | CBNA | 0 | BPH | 189646.54458 | SOGEBL | 1318697.0921300002 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 ET GOURDES) AU 31 décembre 2025 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 9675495 | 92507.94875 | 2272758.71782326 | 1517270 | 4565955.685880001 | 2941941.64746142 | 21065928.999914683 | 92123.56673 | 92123.56673 | 21158052.566644683 Avoirs à la BRH | 47587817 | 1798776.4437 | 21006889.070975017 | 20992155 | 76299645.91617 | 115300257.72524524 | 282985541.15609026 | 2182608.50809 | 2182608.50809 | 285168149.6641803 Avoirs à l'étranger | 2043055 | 0 | 2239760.687394264 | 7880651 | 7145115.85936 | 14854184.097920083 | 34162766.644674346 | 0 | 0 | 34162766.644674346 Avoirs dans les banques locales | 0 | 0 | 385848.722913776 | 95187 | 7042.36 | 3685.534430002136 | 491763.61734377814 | 364006.90894 | 364006.90894 | 855770.5262837781 Autres liquidités | 334304 | 17271.69085 | 26931.930969748002 | 272872 | 27436.467589999986 | 697100.735766788 | 1375916.825176536 | 23813.53177 | 23813.53177 | 1399730.356946536 59640671 | 1908556.0832999998 | 25932189.130076066 | 30758135 | 88045196.289 | 133797169.74082352 | 340081917.24319965 | 2662552.5155300004 | 2662552.5155300004 | 342744469.75872964 Bons B.R.H. | 10000000 | 0 | 0 | 0 | 0 | 0 | 10000000 | 0 | 0 | 10000000 Bons du Trésor / M.E.F. | 29646100 | 3799000 | 0 | 0 | 0 | 24097140 | 57542240 | 0 | 0 | 57542240 Autres Placements | 16446382 | 0 | 8672514.040561564 | 7968701 | 65714131.60536 | 57047133.061308056 | 155848861.7072296 | 3043602.8042900003 | 3043602.8042900003 | 158892464.5115196 Portefeuille net | 13620598 | 177079.21088999975 | 12903652.51851653 | 12359578 | 25695359.87946 | 44821577.71588 | 109577845.32474652 | 4618229.840413365 | 4618229.840413365 | 114196075.16515988 Immobilisations | 2535677 | 394783.01217999996 | 4999474.862789999 | 2190492 | 6060815.354739999 | 4687957.63115 | 20869199.860859998 | 752541.6410100001 | 752541.6410100001 | 21621741.50187 Autres actifs | 4125401 | 1237871.3863000001 | 1410652.3521100013 | 1594386 | 5340532.55887 | 4975556.927767661 | 18684400.225047663 | 1702973.79269 | 1702973.79269 | 20387374.017737664 136014829

| 7517289.69267 | 53918482.90405416 | 54871292 | 190856035.68743 | 269426535.0769292 | 712604464.3610834 | 12779900.593933364 | 12779900.593933364 | 725384364.9550167 PASSIF Dépôts À vue | 47548537 | 1714858.3806499997 | 21657998.510940053 | 19454895 | 77055503.36917594 | 108654589.52282003 | 276086381.783586 | 3759761.4346099244 | 3759761.4346099244 | 279846143.218196 Épargne | 45822592 | 681403.17602 | 10088245.739978408 | 13558125 | 54323358.650683485 | 85277908.55001007 | 209751633.11669195 | 1482960.050670004 | 1482960.050670004 | 211234593.16736194 À terme | 13398715 | 2183902.25802 | 13940474.626710344 | 9782367 | 26996068.942625783 | 31221014.468819335 | 97522542.29617546 | 3478189.493963353 | 3478189.493963353 | 101000731.79013881 106769844 | 4580163.814689999 | 45686718.8776288 | 42795387 | 158374930.96248522 | 225153512.5416494 | 583360557.1964535 | 8720910.979243282 | 8720910.979243282 | 592081468.1756967 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 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 | 36883506.343412384 5486231 | 371189.92711 | 2582641.8363095885 | 4272247 | 11577689.99808 | 12230733.6658928 | 36520733.427392386 | 362772.91602 | 362772.91602 | 36883506.343412384 Obligations à terme Banques locales | 1915606 | 0 | 0 | 290747 | 2186287.30489 | 3719479.83235 | 8112120.137239999 | 1479107.1306099999 | 1479107.1306099999 | 9591227.267849999 Banque à l'étranger | 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 | 12680194.952165157 9175730 | 1047383.3027400001 | 647039.0176805034 | 217248 | 2721603.4270699997 | 6612784.083814653 | 20421787.831305157 | 1849634.3887099999 | 1849634.3887099999 | 22271422.220015153 Autres passifs | 1989014 | 76818.06883 | 1057144.139671069 | 1563691 | 4053503.73303 | 1888431.1599562601 | 10628602.10148733 | 527417.7160000001 | 527417.7160000001 | 11156019.81748733 123420819 | 6075555.113369999 | 49973543.87128997 | 48848573 | 176727728.1206652 | 245885461.4513131 | 650931680.5566382 | 11460735.999973282 | 11460735.999973282 | 662392416.5566115 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 750000 | 2025000 | 5986922.95602 | 12520625 | 24447547.95602 | 300000 | 300000 | 24747547.95602 Réserves | 1569551 | 58117.833620000005 | 477378.60000000003 | 811026 | 1734836.8717 | 2721522.46607 | 7372432.77139 | 322712.84589999996 | 322712.84589999996 | 7695145.61729 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 2014325 | 1432779.18618 | 1384 | 0 | 0 | 3448488.18618 | 0 | 0 | 3448488.18618 BNR | 8024459 | -795708.2543200001 | 1284781.2465841903 | 3185309 | 6406547.7406600015 | 8298926.15874 | 26404314.891664192 | 696451.74804 | 696451.74804 | 27100766.63970419 12594010 | 1441734.5793 | 3944939.03276419 | 6022719 | 14128307.568380002 | 23541073.62481 | 61672783.80525419 | 1319164.59394 | 1319164.59394 | 62991948.399194196 136014829 | 7517289.69267 | 53918482.90405416 | 54871292 | 190856035.6890452 | 269426535.0761231 | 712604464.3618925 | 12779900.593913283 | 12779900.593913283 | 725384364.9558059 Hors-bilan Effets à l'encaissement | 1627113 | 0 | 0 | 0 | 2716.103059494 | 4753.824239152001 | 1634582.927298646 | 0 | 0 | 1634582.927298646 Crédit documentaire | 0 | 0 | 0 | 0 | 1884354.006948028 | 2085129.540821244 | 3969483.547769272 | 0 | 0 | 3969483.547769272 Autres | 4841387 | 236218.17043 | 5796344.772130188 | 43467 | 8011546.02292482 | 3114691.3816256328 | 22043654.34711064 | 489268.89789364394 | 489268.89789364394 | 22532923.245004285 Portefeuille brut | 18387281 | 1309616.37089 | 13125078.439024258

| 12760825 | 28713541.29388 | 46139615.68791 | 120435957.79170427 | 4962655.0104133645 | 4962655.0104133645 | 125398612.80211763 Provisions pour créances Fouteuses | 4766683 | 1132537.1600000001 | 221425.92050772868 | 401247 | 3018181.4144200003 | 1318037.97203 | 10858112.466957731 | 344425.17000000004 | 344425.17000000004 | 11202537.636957731 Portefeuille de crédit improFuctif | 7320328 | 1217145.027953308 | 28102.246530416 | 164397 | 1636874 | 208826.59846 | 10575672.872943724 | 420634.833958616 | 420634.833958616 | 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 [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 | 15

1143390.57963675 | 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 | 5291

26.88346 | 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 | 390

900.24358999997 | 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 | 39819655 | 2518307.3939699996 | 27529779.587390415 | 31720988 | 100911508.17694536 | 158645726.4219839 | 361145964.58028966 | 6207544.323874031 | 6207544.323874031 | 0 | 0 | 367353508.9041637 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 | 0.586656

8441886675 | 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 | 2617117.71676 | 2617117.71676 | 0 | 0 | 136879738.01152942 Portefeuille net | 15729675 | 171676.19908000017 | 14287856.408734636 | 11777384 | 28611827.434189998 | 42313270.945769995 | 112891689.98777464 | 4810309.517329908 | 4810309.517329908 | 0 | 0 | 117701999.50510454 Immobilisations | 2847591.9984100005 | 352577.11397999997 | 5076929.43916 | 1842097 | 6308850.322959999 | 4597332.87228 | 21025378.74679 | 630400.61349 | 630400.61349 | 232160 | 232160 | 21887939.36028 Autres actifs | 3528282 | 1236740.78514 | 2125356.4579384006 | 1631385 | 5779850.179429999 | 4866817.721940225 | 19168432.144448623 | 1648830.82245 | 1648830.82245 | -19886 | -19886 | 20797376.966898624 124953871.99841 | 7560246.97747 | 47006480.58155779 | 53031387 | 175590326.47918 | 245612840.78270063 | 653755153.8193185 | 11837238.140819909 | 11837238.140819909 | 1162892 | 1162892 | 666755283.9601384 PASSIF Dépôts À vue | 46122647 | 1993650.9686699999 | 16534980.098803192 | 18890692 | 73065587.84793796 | 95428918.26308471 | 252036476.17849588 | 374

7801.509029104 | 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 | 40514733 | 2584851.12354 | 26222581.844031267 | 29741201 | 98261745.20726368 | 149269492.20128557 | 346594604.3761205 | 6195165.488379406 | 6195165.488379406 | 0 | 0 | 352789769.8644999 Immobilisation /A | 0.24233027118413003 | 0.25191259086217005 | 1.5148586314648769 | 0.3347869689307882 | 0.49295273510117266 | 0.21888725994234884 | 0.3767619433488153 | 0.5631450302441393 | 0.5631450302441393 | 0.398923648460563 | 0.398923648460563 | 0.38061435107756086 Liquidité en % de l'actif | 0.6934322771614677 | 0.7670718822483088 | 0.43571621955290923 | 0.5945043262775684 | 0.46934435541209474 | 0.5681279843111542 | 0.5604652299946555 | 0.17998957573074767 | 0.17998957573074767 | 0.8174602628618994 | 0.8174602628618994 | 0.5541586831105119 Liquidité en % des dépôts | 0.8819360039326424 | 1.2129011188210639 | 0.543041851287844 | 0.7685571211020165 | 0.5614096500611249 | 0.6789584401965185 | 0.6860516739325303 | 0.26724956265033073 | 0.26724956265033073 | 316872.6666666667 | 316872.6666666667 | 0.6816458730361318 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 123789528.15481214 | BNC | 15000000 | UNIBK | 42313270.945769995 | UNIBK | 21003199.882400002 SOGEBK | 80162328.59797001 | SOGEBK | 2250000 | SOGEBK | 28611827.434189998 | SOGEBK | 12798083.616810001 BNC | 52764048 | CAPITALBK | 0 | BNC | 15729675 | BNC | 11750872 CAPITALBK | 31527389 | UNIBK | 2200000 | BUH | 14287856.408734636 | CAPITALBK | 5502296 BUH | 20481486.0134836 | BPH | 1300000 | CAPITALBK | 11777384 | BUH | 3351421.270412923 SOGEBL | 2130579.4707899997 | BUH | 0 | SOGEBL | 4810309.517329908 | BPH | 1399600.9995900001 BPH | 2009252.87927 | CBNA | 0 | BPH | 171676.19908000017 | SOGEBL | 1119428.53019 CBNA | 950618 | SOGEBL | 0 | CBNA | 0 | CBNA | 581966 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 T

résor / 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 | 251711360.93031842 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 | 529395813.4583669 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 | 647019923.8442566 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. UNIBK | 122953118.97092238 | BNC | 14900000 | UNIBK | 41228653.55623999 | UNIBK | 20256104.8001 SOGEBK | 79059951.4041 | SOGEBK | 2500000 | SOGEBK | 28451664.77642 | SOGEBK | 11898038.289220005 BNC | 46883499 | CAPITALBK | 1500000 | BNC | 15801864 | BNC | 11370621 CAPITALBK | 30264420 | UNIBK | BUH | 12398174.758378172 | CAPITALBK | 5393692 BUH | 21474411.634352416 | BPH | CAPITALBK | 11569274 | BUH | 3316038.7508735657 CBNA | 2817982 | BUH | SOGEBL | 4921953.2070201505 | SOGEBL | 1107704.0502000004 SOGEBL | 2337269.1434400002 | CBNA | BPH | 175349.8027703201 | CBNA | 631224 BPH | 2150819.1926499996 | SOGEBL | 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 | SOGEB

L | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 7184403 | 293511.48355 | 1569740.1780917689 | 1653545 | 3704687.2760499995 | 9848423.244244963 | 24254310.181936733 | 56823.30765 | 56823.30765 | 64 | 64 | 24311197.489586733 Avoirs à la BRH | 37077188 | 1926247.8209000002 | 18424976.993011795 | 20514976 | 67098493.484790005 | 98146693.7800571 | 243188576.0787589 | 1858366.9194 | 1858366.9194 | 3817969 | 3817969 | 248864911.9981589 Avoirs à l'étranger | 1202554 | 0 | 1500657.7952908918 | 8504419 | 6068872.34658 | 15527589.067298641 | 32804092.20916953 | 0 | 0 | 882159 | 882159 | 33686251.20916953 Avoirs dans les banques locales | 0 | 0 | 378745.073335932 | 38085 | 6935.81 | 3602.088539999619 | 427367.9718759316 | 157068.34734 | 157068.34734 | 0 | 0 | 584436.3192159316 Autres liquidités | 351609 | 15784.95594 | 176696.679265102 | 290890 | 295480.58024000004 | 912466.010485559 | 2042927.2259306612 | 54090.61383 | 54090.61383 | 0 | 0 | 2097017.8397606611 45815754 | 2235544.26039 | 22050816.718995485 | 31001915 | 77174469.49766 | 124438774.19062626 | 302717273.66767174 | 2126349.1882200004 | 2126349.1882200004 | 4700192 | 4700192 | 309543814.85589176 Bons B.R.H. | 6700000 | 0 | 0 | 250000 | 1500000 | 0 | 8450000 | 0 | 0 | 0 | 0 | 8450000 Bons du Trésor / M.E.F. | 24920000 | 1297000 | 0 | 0 | 0 | 8574000 | 34791000 | 0 | 0 | 0 | 0 | 34791000 Autres Placements | 17524098 | 200000 | 6750753.497445987 | 5077671 | 46461533.98171 | 54807949.648829296 | 130822006.12798528 | 2492748.72301 | 2492748.72301 | 0 | 0 | 133314754.85099529 Portefeuille net | 18217233 | 192507.96731647965 | 12198959.349928532 | 11677967 | 30046085.12185 | 41135607.29257 | 113468359.73166502 | 4868924.653973157 | 4868924.653973157 | 55444 | 55444 | 118392728.38563818 Immobilisations | 2906754.9984100005 | 352062.49887 | 5118424.27638 | 1804519 | 6293931.225229999 | 4490566.882924 | 20966258.881814 | 607293.65526 | 607293.65526 | 244945 | 244945 | 21818497.537074 Autres actifs | 3743709 | 1239990.26575 | 1389635.211190221 | 2149582 | 4810109.121359999 | 4171735.55806096 | 17504761.15636118 | 1645178.91596 | 1645178.91596 | 9937 | 9937 | 19159877.07232118 119827548.99841 | 5517104.99232648 | 47508589.05394023 | 51961654 | 166286128.94781002 | 237618633.5730105 | 628719659.5654973 | 11740495.136423156 | 11740495.136423156 | 5010518 | 5010518 | 645470672.7019204 PASSIF Dépôts À vue | 42348715 | 1940341.89397 | 16079386.06524377 | 18868791 | 66102082.670453876 | 93814826.10980971 | 239154142.73947734 | 3784809.2552931295 | 3784809.2552931295 | 3788310 | 3788310 | 246727261.99477047 Épargne | 37943452 | 572676.03551648 | 8644759.402000144 | 11093799 | 47660238.28809094 | 73622276.78181238 | 179537201.50741994 | 1215221.878234582 | 1215221.878234582 | 9 | 9 | 180752432.38565454 À terme | 12203988 | 2135251.14809 | 12635073.502071083 | 10321660 | 25506773.324618593 | 33967810.42017023 | 96770556.39494991 | 2911290.235294644 | 2911290.235294644 | 4429 | 4429 | 99686275.63024455 92496155 | 4648269.07757648 | 37359218.96931499 | 40284250 | 139269094.28316343 | 201404913.3117923 | 515461900.6418472 | 7911321.368822355 | 7911321.368822355 | 3792748 | 3792748 | 527165970.0106695 Obligations à vue Banques locales | 0 | 0 | 600000 | 650000 | 0 | 0 | 1250000 | 0 | 0 | 0 | 0 | 1250000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 5255025 | 319525.33015 | 4073972.821945915 | 3373377 | 10105485.929599999 | 9527223.017890375 | 32654609.09958629 | 362343.00231999997 | 362343.00231999997 | 489737 | 489737 | 33506689.10190629 5255025 | 319525.33015 | 4673972.821945915 | 4023377 | 10105485.929599999 | 9527223.017890375 | 33904609.09958629 | 362343.00231999997 | 362343.00231999997 | 489737 | 489737 | 34756689.101906285 Obligations à terme Banques locales | 2079133 | 0 | 0 | 384753 | 2227631.87286 | 1925257.28123 |

6616775.154089999 | 1544996.27437 | 1544996.27437 | 0 | 0 | 8161771.428459999 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 6446368 | 1052265.15025 | 737877.5982503323 | 164232 | 247822.29107999988 | 3580103.7098587845 | 12228668.749439117 | 384971.35994999995 | 384971.35994999995 | 109720 | 109720 | 12723360.109389117 8525501 | 1052265.15025 | 737877.5982503323 | 548985 | 2475454.16394 | 5505360.991088784 | 18845443.903529115 | 1929967.63432 | 1929967.63432 | 109720 | 109720 | 20885131.537849117 Autres passifs | 901211 | 30128.74108 | 1488693.4213815224 | 1903740 | 3051609.45 | 2135812.6106098588 | 9511195.223071381 | 466629.0480399999 | 466629.0480399999 | 0 | 0 | 9977824.271111382 107177892 | 6050188.29905648 | 44259762.81089276 | 46760352 | 154901643.82670343 | 218573309.93138131 | 577723148.868034 | 10670261.053502355 | 10670261.053502355 | 4392205 | 4392205 | 592785614.9215363 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728155.76157 | 2025000 | 3000000 | 12542800 | 21460955.76157 | 300000 | 300000 | 133333 | 133333 | 21894288.76157 Réserves | 2967392 | 58117.833620000005 | 930894.147 | 658661 | 3314796.1687700003 | 2111176.1258199997 | 10041037.27521 | 364431.13370999997 | 364431.13370999997 | 74036 | 74036 | 10479504.408920001 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 53802.03257 | 1198554.27904 | 1384 | 0 | 0 | 1253740.31161 | 0 | 0 | 0 | 0 | 1253740.31161 BNR | 6682265 | -810003.17292 | 391222.0564463091 | 2516257 | 5069688.918169998 | 4391347.513909999 | 18240777.315606307 | 405802.94921000017 | 405802.94921000017 | 410944 | 410944 | 19057524.264816307 12649657 | -533083.3067300001 | 3248826.244056309 | 5201302 | 11384485.086939998 | 19045323.63973 | 50996510.66399631 | 1070234.0829200002 | 1070234.0829200002 | 618313 | 618313 | 52685057.74691631 119827549 | 5517104.992326479 | 47508589.05494907 | 51961654 | 166286128.91364342 | 237618633.57111132 | 628719659.5320303 | 11740495.136422355 | 11740495.136422355 | 5010518 | 5010518 | 645470672.6684525 Hors-bilan Effets à l'encaissement | 1643294 | 0 | 0 | 0 | 2541.7783314380004 | 4400.94244 | 1650236.720771438 | 0 | 0 | 0 | 0 | 1650236.720771438 Crédit documentaire | 0 | 0 | 0 | 0 | 1754326.1467018242 | 1949955.85134 | 3704281.9980418244 | 0 | 0 | 0 | 0 | 3704281.9980418244 Autres | 3795045 | 300183.596265637 | 4709216.476470712 | 137243 | 9120532.772008345 | 2834062.4722199994 | 20896283.316964693 | 433920.49467 | 433920.49467 | 0 | 0 | 21330203.811634693 Portefeuille brut | 22103390 | 1329384.7868364798 | 12508778.85665793 | 12072901 | 33053676.25624 | 42325548.86485 | 123393679.7645844 | 5154628.884363157 | 5154628.884363157 | 55444 | 55444 | 128603752.64894757 Provisions pour créances Fouteuses | 3886157 | 1136876.8195200001 | 309819.5067293988 | 394934 | 3007591.1343900003 | 1189941.57228 | 9925320.0329194 | 285704.23039 | 285704.23039 | 0 | 0 | 10211024.263309399 Portefeuille de crédit improFuctif | 8928305 | 1226524.539336342 | 200139.465452502 | 328665 | 3891029 | 360585.56028 | 14935248.565068845 | 524272.169288105 | 524272.169288105 | 0 | 0 | 15459520.73435695 Dépôts US convertis | 40053849 | 2658571.04131648 | 27470369.856735 | 30672737 | 99153642.5966134 | 153268691.7934423 | 353277861.28810716 | 6188555.987422355 | 6188555.987422355 | 2995710 | 2995710 | 362462127.2755295 Immobilisation /A | 0.22978923447568583 | -0.6604267933835625 | 0.5528516377477838 | 0.3469360171741614 | 0.5528516377477838 | 0.2357831753279495 | 0.4111312442522904 | 0.567440025459734 | 0.567440025459734 | 0.3961504933585417 | 0.3961504933585417 | 0.4141306562077566 Liquidité en % de l'actif | 0.646226636923263 | 0.6402894752416846 | 0.47312707316887803 | 0.601441882508205 | 0.47312707316887803 | 0.5597741733909806 | 0.550258399596985 | 0.18111239462323148 | 0.18111239462323148 | 0.9380650862844919 | 0.9380650862844919 | 0.5465

54366876415 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 | 40497015 | 2730721.34443592 | 27376706.70584351 | 29955056 | 96650610.65687463 | 150865423.39940614 | 348075533.10656023 | 5825060.626406071 | 5825060.626406071 | 4387642 | 4387642 | 358288235.7329663 Immobilisation /A | 0.23956909815084884 | -0.4918253650402512 | 1.5892069293620987 | 0.3265038466523803 | 0.5485202301364006 | 0.19780600555759933 | 0.3884207076814321 | 0.5456739077757932 | 0.5456739077757932 | 0.4176477535388301 | 0.4176477535388301 | 0.3917584343952285 Liquidité en % de l'actif | 0.6520454880621352 | 0.6462650649054174 | 0.4512959267937567 | 0.588751662523064 | 0.4685675056614094 | 0.5599887105117481 | 0.5486250046126242 | 0.16638235021156614 | 0.16638235021156614 | 0.9527866039085764 | 0.9527866039085764 | 0.5466611658259901 Liquidité en % des dépôts | 0.8470538909412547 | 0.7526828034099196 | 0.5632894221916763 | 0.7860797361360224 | 0.5665440343892523 | 0.6726703582736681 | 0.677359999946483 | 0.24357427619707714 | 0.24357427619707714 | 1.2269378167861669 | 1.2269378167861669 | 0.6771475807439709 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 123489941.85559697 | CAPITALBK | 0 | UNIBK | 43258286.58501 | UNIBK | 21297422.94373 SOGEBK | 76580649.19035 | BNC | 2500000 | SOGEBK | 32023284.95524999 | SOGEBK | 11459835.152510002 BNC | 48574938 | SOGEBK | 1000000 | BNC | 18427273 | BNC | 12289206 CAPITALBK | 30874063 | UNIBK | 0 | BUH | 12770145.135648241 | CAPITALBK | 5415878 BUH | 21186937.27167603 | BPH | 0 | CAPITALBK | 12056420 | BUH | 3217592.627709286 CBNA | 7348441 | BUH | 0 | SOGEBL | 4845913.562587064 | SOGEBL | 1051422.37885 SOGEBL | 1910621.13937 | CBNA | 0 | BPH | 211944.52998592006 | CBNA | 592710 BPH | 2070311.18313 | SOGEBL | 0 | CBNA | 96667 | BPH | -597388.81602 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbandéc. 23] SYSTÈME DANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ 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 | 6726892 | 318555.34204 | 2543832.40957058 | 1798875 | 5357187.066860001 | 11216843.71712645 | 27962185.535597034 | 65066.689060000004 | 65066.689060000004 | 156 | 156 | 28027408.224657033 Avoirs à la BRH | 37779678 | 1512594.89109 | 16195878.934646295 | 18141623 | 61994508.13141 | 91111039.04510361 | 226735322.0022499 | 1805564.3634399998 | 1805564.3634399998 | 4942349 | 4942349 | 233483235.3656899 Avoirs à l'étranger | 2515351 | 0 | 2246902.4604731603 | 7688795 | 7829781.2196499985 | 14746557.367395323 | 35027387.04751848 | 0 | 0 | 423742 | 423742 | 35451129.04751848 Avoirs dans les banques locales | 0 | 0 | 378040.75650654006 | 89365 | 6935.81 | 3460.9788800075216 | 477802.5453865476 | 177538.28236 | 177538.28236 | 4422 | 4422 | 659762.8277465475 Autres liquidités | 865531 | 14759.37133 | 159117.2482566 | 310152 | 460325.98734 | 1662741.72107421 | 3472627.32800081 | 39892.510129999995 | 39892.510129999995 | 12221 | 12221 | 3524740.83813081 47887452 | 1845909.60446 | 21523771.80945318 | 28028810 | 75648738.21526001 | 118740642.82957959 | 293675324.45875275 | 2088061.84499 | 2088061.84499 | 5382890 | 5382890 | 301146276.3037428 Bons B.R.H. | 0 | 0 | 0 | 850000 |

750000 | 0 | 1600000 | 0 | 0 | 0 | 0 | 1600000 Bons du Trésor / M.E.F. | 27600000 | 1570000 | 0 | 0 | 0 | 7100000 | 36270000 | 0 | 0 | 0 | 0 | 36270000 Autres Placements | 17951503 | 200000 | 6509975.520152625 | 5572471 | 41095990.6223 | 49889633.46556811 | 121219573.60802074 | 2679722.57465 | 2679722.57465 | 0 | 0 | 123899296.18267074 Portefeuille net | 19026181 | 228304.83925360022 | 12391495.619240273 | 12235675 | 31430373.118939996 | 46073606.79762 | 121385636.37505387 | 4874167.84484563 | 4874167.84484563 | 96667 | 96667 | 126356471.2198995 Immobilisations | 2970057.9984100005 | 295167.5239 | 5218442.34454 | 1681087 | 6326254.68509 | 4227954.076599999 | 20718963.628539998 | 577804.8826 | 577804.8826 | 250673 | 250673 | 21547441.511139996 Autres actifs | 2989565 | 1247868.2351999998 | 1422296.8520893 | 2133727 | 5123895.3042399995 | 5612067.0765289245 | 18529419.468058225 | 1548651.78523 | 1548651.78523 | 52666 | 52666 | 20130737.253288224 118424758.99841 | 5387250.2028136 | 47065982.14547537 | 50501770 | 160375251.94583 | 231643904.24589664 | 613398917.5384256 | 11768408.93231563 | 11768408.93231563 | 5782896 | 5782896 | 630950222.4707414 PASSIF Dépôts À vue | 42712591 | 1983513.97718 | 17530960.645982917 | 18220081 | 61893955.0141101 | 90797970.13969277 | 233139071.7769658 | 3659471.0740536405 | 3659471.0740536405 | 3653200 | 3653200 | 240451742.85101944 Épargne | 36853543 | 564953.42801 | 8784279.36570895 | 10773995 | 45506718.089221254 | 71737399.84585229 | 174220888.7287925 | 1189608.93079988 | 1189608.93079988 | 547131 | 547131 | 175957628.65959236 À terme | 11876339 | 2072045.5968199999 | 11826934.73278352 | 10376563 | 26006029.70703263 | 28841175.67215339 | 90999087.70878954 | 3182206.6149361953 | 3182206.6149361953 | 4428 | 4428 | 94185722.32372573 91442473 | 4620513.00201 | 38142174.74447539 | 39370639 | 133406702.81036398 | 191376545.65769842 | 498359048.2145478 | 8031286.619789716 | 8031286.619789716 | 4204759 | 4204759 | 510595093.8343375 Obligations à vue Banques locales | 0 | 0 | 600000 | 650000 | 0 | 0 | 1250000 | 0 | 0 | 0 | 0 | 1250000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 5293697 | 252113.23567 | 2674047.9855176555 | 2946690 | 10033753.00371 | 8995317.705239644 | 30195618.9301373 | 280183.1812 | 280183.1812 | 875595 | 875595 | 31351397.1113373 5293697 | 252113.23567 | 3274047.9855176555 | 3596690 | 10033753.00371 | 8995317.705239644 | 31445618.9301373 | 280183.1812 | 280183.1812 | 875595 | 875595 | 32601397.1113373 Obligations à terme Banques locales | 0 | 0 | 0 | 418290 | 2413368.7060100003 | 3524057.6369899996 | 6355716.343 | 1601473.02019 | 1601473.02019 | 0 | 0 | 7957189.363190001 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 8590592 | 1037973.15076 | 763140.5051076051 | 57618 | -216411.30065999995 | 5036074.119616184 | 15268986.474823792 | 370242.5232599999 | 370242.5232599999 | 109383 | 109383 | 15748611.99808379 8590592 | 1037973.15076 | 763140.5051076051 | 475908 | 2196957.4053500006 | 8560131.756606184 | 21624702.81782379 | 1971715.54345 | 1971715.54345 | 109383 | 109383 | 23705801.36127379 Autres passifs | 1199406 | 35527.19043 | 1535678.8766907654 | 1667380 | 3104581.2021899996 | 2502332.081881508 | 10044905.351192273 | 378009.30194000003 | 378009.30194000003 | 0 | 0 | 10422914.653132273 106526168 | 5946126.57887 | 43715042.11179142 | 45110617 | 148741994.421614 | 211434327.2014258 | 561474275.3137012 | 10661194.646379715 | 10661194.646379715 | 5189737 | 5189737 | 577325206.9600809 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728155.76157 | 2025000 | 3000000 | 12554050 | 21472205.76157 | 300000 | 300000 | 103837 | 103837 | 21876042.76157 Réserves | 2967392 | 58117.833620000005 | 1613369.4674000002 | 554644 | 3314796.1687700003 | 771720.2943599999 | 9280039.764150001 | 364431.13370999997 | 364431.13370999997 | 59288 | 5928

8 | 9703758.897860002 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 53802.03257 | 1198554.27904 | 1384 | 0 | 0 | 1253740.31161 | 0 | 0 | 0 | 0 | 1253740.31161 BNR | 5931199 | -835796.24225 | -189139.47433000006 | 2810125 | 5318461.358069999 | 6883806.747630001 | 19918656.38912 | 442783.15223 | 442783.15223 | 430034 | 430034 | 20791473.54135 11898591 | -558876.37606 | 3350940.03368 | 5391153 | 11633257.52684 | 20209577.04199 | 51924642.226449996 | 1107214.2859399999 | 1107214.2859399999 | 593159 | 593159 | 53625015.51239 118424759 | 5387250.202810001 | 47065982.14547142 | 50501770 | 160375251.948454 | 231643904.2434158 | 613398917.5401511 | 11768408.932319716 | 11768408.932319716 | 5782896 | 5782896 | 630950222.4724709 Hors-bilan Effets à l'encaissement | 1639837 | 0 | 0 | 0 | 2575.554328956 | 4488.126568537001 | 1646900.680897493 | 0 | 0 | 0 | 0 | 1646900.680897493 Crédit documentaire | 0 | 0 | 0 | 0 | 1944633.033360545 | 1836757.0324328751 | 3781390.06579342 | 0 | 0 | 0 | 0 | 3781390.06579342 Autres | 4124250 | 244025.824932755 | 3671657.5430650506 | 255050 | 11271342.813461311 | 2659201.9244598546 | 22225528.105918974 | 413070.01634999993 | 413070.01634999993 | 115535.679 | 115535.679 | 22754133.801268976 Portefeuille brut | 22829171 | 1375364.4852936 | 12734010.837312054 | 12686590 | 34128853.800799996 | 47521075.57704 | 131275065.70044565 | 5129677.950155631 | 5129677.950155631 | 96667 | 96667 | 136501410.65060127 Provisions pour créances douteuses | 3802990 | 1147059.6460399998 | 342515.2180717805 | 450915 | 2698480.68186 | 1447468.77942 | 9889429.32539178 | 255510.10531 | 255510.10531 | 0 | 0 | 10144939.430701781 Portefeuille de crédit improductif | 7099586 | 1254995.22084077 | 142643.93199371 | 259491 | 1644375 | 1248990.6559300001 | 11650081.80876448 | 326244.95649 | 326244.95649 | 0 | 0 | 11976326.76525448 Dépôts US convertis | 40632951 | 2662967.2927599996 | 26427760.91287539 | 29877739 | 92907172.188374 | 144017022.38328844 | 336525612.77729785 | 6099317.136459716 | 6099317.136459716 | 3247051 | 3247051 | 345871980.91375756 Immobilisation /A | 0.24961426091627156 | -0.5281445710425078 | 1.5573069920947258 | 0.3118232778776637 | 0.5438076712815996 | 0.20920547064470776 | 0.3990198630196035 | 0.5218546129121309 | 0.5218546129121309 | 0.42260675468129116 | 0.42260675468129116 | 0.40181697488108853 Liquidité en % de l'actif | 0.6374296442605681 | 0.634072945540189 | 0.45731058459432017 | 0.5718375811382452 | 0.4763748601378051 | 0.5432503965051295 | 0.5405052323685973 | 0.17742940927692075 | 0.17742940927692075 | 0.9308294667585237 | 0.9308294667585237 | 0.5373106534081042 Liquidité en % des dépôts | 0.8255184874538553 | 0.739292282691126 | 0.5643037386737036 | 0.7335113356935863 | 0.5726754098994553 | 0.6575552003883578 | 0.6652740140799444 | 0.25999095087016977 | 0.25999095087016977 | 1.280189899111935 | 1.280189899111935 | 0.6639630509527313 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 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 | SO

US-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 | 0.5395657493

283477 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 | SOGEBK | 2000000 | UNIBK | 49966146.876399994 | UNIBK | 19405385.00992 SOGEBK | 80028291.21112001 | CAPITALBK | 550000 | SOGEBK | 35159796.225317 | SOGEBK | 11096548.763020003 BNC | 47276005 | BNC | 0 | 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 | 43985256 | 2782857.7 | 28887294.4 | 30531387 | 99587406.8 | 151183435.2 | 356957907.1 | 6784539.8 | 6784539.8 | 4447657 | 4447657 | 368190103.9 Immobilisation /A | 0.29624476818493833 | -0.6742443891013499 | 0.9930858849447263 | 0.3080125308155161 | 0.3729522698419103 | 0.20917346751196217 | 0.33548560343260353 | 0.6002469170101318 | 0.6002469170101318 | 0.5013899481867276 | 0.5013899481867276 | 0.3426411870817328 Liquidité en % de l'actif | 0.6280560651729319 | 0.6281004323369666 | 0.4803321926846995 | 0.5721346970561436 | 0.48350697083911576 | 0.5328307392721278 | 0.5379523468540425 | 0.18563321324678025 | 0.18563321324678025 | 0.9470935623092053 | 0.9470935623092053 | 0.5360121669410375 Liquidité en % des dépôts | 0.7952692746755746 | 0.7426313669789448 | 0.596104679370368 | 0.7252677617745692 | 0.5832672776162773 | 0.6337198201804464 | 0.6553018393719852 | 0.2664936287116471 | 0.2664936287116471 | 1.2144147060629324 | 1.2144147060629324 | 0.6552182306594647 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 120716980.54234663 | CAPITALBK | 350000 | UNIBK | 54544401.209139995 | UNIBK | 18601051.79132 SOGEBK | 79873732.9421 | BNC | 0 | SOGEBK | 38619878.66272 | SOGEBK | 11173236.986750003 BNC | 50500529 | SOGEBK | 500000 | BNC | 19778441 | BNC | 10877917 CAPITALBK | 28514049 | UNIBK | 0 | BUH | 13924806.15 | CAPITALBK | 5033990 BUH | 23878285.21699744 | BPH | 0 | CAPITALBK | 13292627 | BUH | 3230051.68 CBNA | 7180029 | BUH | 0 | SOGEBL | 5254956.125580001 | SOGEBL | 1027755.7381100002 SOGEBL | 2296090.4259499996 | CBNA | 0 | BPH | 363037.93 | CBNA | 520523 BPH | 1775067.33 | SOGEBL | 0 | CBNA | 96667 | BPH | -368404.89 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanmars 23] SYSTÈME DANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ 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 | 1

37415538.74875084 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 | 10

810454.63534 | 23857925.78388989 | 351669.23606 | 351669.23606 | 314647 | 314647 | 24524242.01994989 10512131 | -344951.5036500001 | 3184523.055779882 | 4757001 | 10979046.610420005 | 20689090.10583 | 49776840.26837988 | 976767.8235200001 | 976767.8235200001 | 477772 | 477772 | 51231380.09189989 125457686 | 5840463.377909999 | 51638244.06595866 | 54378964 | 181715415.53950527 | 262432974.8662176 | 681463747.8495915 | 13013012.623918675 | 13013012.623918675 | 6003214 | 6003214 | 700479974.4735103 Hors-bilan Effets à l'encaissement | 1911405 | 0 | 0 | 0 | 77206.08484 | 5158.419764417 | 1993769.504604417 | 0 | 0 | 0 | 0 | 1993769.504604417 Crédit documentaire | 0 | 0 | 0 | 0 | 2631714.51398 | 2120702.537220084 | 4752417.051200084 | 0 | 0 | 0 | 0 | 4752417.051200084 Autres | 5170796 | 260405.199009103 | 3219404.437522157 | 343044 | 9662637.304200003 | 2171560.2364941826 | 20827847.17722545 | 433487.36413999996 | 433487.36413999996 | 0 | 0 | 21261334.54136545 Portefeuille brut | 24123925 | 1570392.79100624 | 18404441.470837764 | 16539858 | 45495817.38686 | 58786577.7385 | 164921012.387204 | 5903324.200780001 | 5903324.200780001 | 96667 | 96667 | 170921003.587984 Provisions pour créances douteuses | 3788407 | 1114315.4487299998 | 1309848.6930431938 | 467028 | 3305198.4940299997 | 1095456.5819199998 | 11080254.217723193 | 262048.57636 | 262048.57636 | 0 | 0 | 11342302.794083193 Portefeuille de crédit improductif | 7790494 | 1411813.633631641 | 4213949.590282632 | 153742 | 4875206 | 137404.40997 | 18582609.633884273 | 448147.27374 | 448147.27374 | 0 | 0 | 19030756.907624274 Dépôts US convertis | 50907389 | 3120469.3 | 32124345.8 | 32922100 | 113567580.5 | 175969281.4 | 408611166 | 7530227.3 | 7530227.3 | 3832049 | 3832049 | 419973442.2 Immobilisation /A | 0.30129485659282595 | -0.7180083700151162 | 0.35062497806067977 | 0.3105332540396775 | 0.37228397453662315 | 0.16851740549129052 | 0.2728679485819968 | 0.564829937703925 | 0.564829937703925 | 0.5501536297648251 | 0.5501536297648251 | 0.2810203428838109 Liquidité en % de l'actif | 0.618109902000611 | 0.6305237042635163 | 0.4615149254785499 | 0.5473871293318497 | 0.46631528860704796 | 0.5347173952661983 | 0.5281154108261831 | 0.1887963706514895 | 0.1887963706514895 | 0.9335505947314222 | 0.9335505947314222 | 0.5252864237695587 Liquidité en % des dépôts | 0.7862801219686396 | 0.7390435709429305 | 0.554183074079028 | 0.6742684727169302 | 0.5627638119904009 | 0.6308538676569445 | 0.6383657131397631 | 0.2655265754535853 | 0.2655265754535853 | 1.2701372349179951 | 1.2701372349179951 | 0.6372190472633834 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 136627476.75501138 | CAPITALBK | 700000 | UNIBK | 57691121.15658 | UNIBK | 20689090.10583 SOGEBK | 84736676.44022 | BNC | 0 | SOGEBK | 42190618.89283 | SOGEBK | 10979046.610420005 BNC | 53946638 | SOGEBK | 0 | BNC | 20335518 | BNC | 10512131 CAPITALBK | 29066345 | UNIBK | 0 | BUH | 17094592.77779457 | CAPITALBK | 4757001 BUH | 23831820.36198878 | BPH | 0 | CAPITALBK | 16072830 | BUH | 3184523.055779882 CBNA | 5604304 | BUH | 0 | SOGEBL | 5641275.62442 | SOGEBL | 976767.8235200001 SOGEBL | 2456809.55464 | CBNA | 0 | BPH | 456077.34227624023 | CBNA | 477772 BPH | 1912550.6034700002 | SOGEBL | 0 | CBNA | 96667 | BPH | -344951.5036500001 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbandéc.22] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 décembre 2022 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 6122616 | 389484.68627000006 | 1037555.0716755 | 1463199 | 3149037.60915 | 4412972.5885839 | 16574864.9556794 | 67414.78419 | 67414.78419 | 4883 | 4883 | 16647162.739869399 Avoirs à la BRH | 42380046 | 1829511.87379 | 19304924.7764691 | 19899108 | 69715995.1

1055 | 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 | 19130

27.7701421084 | 589392 | 5721620.24594 | 8318154.4828332 | 28774733.12700531 | 2105162.51379 | 2105162.51379 | 92421 | 92421 | 30972316.64079531 Autres passifs | 1369761 | 26490.19834 | 272623.9868499 | 2033433 | 3881038.8242900004 | 2176326.6976638 | 9759673.707143702 | 382976.31792 | 382976.31792 | 0 | 0 | 10142650.025063701 117465529 | 6487770.774959999 | 46465127.875603095 | 48074700 | 167795823.55566448 | 229859120.43607527 | 616148071.6423028 | 11999779.751211898 | 11999779.751211898 | 5828689 | 5828689 | 633976540.3935146 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728180.76157 | 2025000 | 3000000 | 6298112.5 | 15216293.26157 | 300000 | 300000 | 103837 | 103837 | 15620130.26157 Réserves | 2148479 | 238291.42462 | 388674.702 | 442384 | 2441227.9358599996 | 2565754.29641 | 8224811.35889 | 320545.12954 | 320545.12954 | 59288 | 59288 | 8604644.488429999 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 104325 | 1198668.70404 | 1384 | 0 | 0 | 1304377.70404 | 0 | 0 | 0 | 0 | 1304377.70404 BNR | 5097234 | -862223.50326 | 861279.9688256534 | 2262479 | 5409515.792360001 | 9799317.73606 | 22567602.993985653 | 380672.9273200001 | 380672.9273200001 | 302042 | 302042 | 23250317.921305653 10245713 | -354607.07864 | 3176804.136435653 | 4731247 | 10850743.72822 | 18663184.53247 | 47313085.31848565 | 1001218.0568600001 | 1001218.0568600001 | 465167 | 465167 | 48779470.37534565 127711242 | 6133163.696319999 | 49641932.012038745 | 52805947 | 178646567.28388447 | 248522304.96854526 | 663461156.9607885 | 13000997.808071898 | 13000997.808071898 | 6293856 | 6293856 | 682756010.7688606 Hors-bilan Effets à l'encaissement | 1808968 | 0 | 0 | 0 | 97502.16148000001 | 4846.771551762001 | 1911316.933031762 | 0 | 0 | 0 | 0 | 1911316.933031762 Crédit documentaire | 0 | 0 | 0 | 0 | 2855094.45665 | 2170294.7686836 | 5025389.225333599 | 0 | 0 | 0 | 0 | 5025389.225333599 Autres | 4562165 | 286917.5164485 | 3417508.7292105 | 333165 | 10700438.5787 | 2155435.8899774 | 21455630.7143364 | 401107.17546 | 401107.17546 | 34161.95 | 34161.95 | 21890899.839796398 Portefeuille brut | 25618437 | 1528286.560412 | 18005276.5023574 | 16526732 | 47851007.48159 | 58161264.90512 | 167691004.4494794 | 5808284.6898 | 5808284.6898 | 96667 | 96667 | 173595956.1392794 Provisions pour créances douteuses | 3749634 | 1091529.61084 | 1167675.67844032 | 462984 | 3204236.3277999996 | 945865.7952400001 | 10621925.41232032 | 246063.27403000003 | 246063.27403000003 | 0 | 0 | 10867988.68635032 Portefeuille de crédit improductif | 7638661 | 1354431.1919377 | 4246818.7648364995 | 172122 | 4412675 | 656718.94513 | 18481426.9019042 | 505539.25089 | 505539.25089 | 0 | 0 | 18986966.1527942 Dépôts US convertis | 50611711 | 3386945.4 | 32531242.3 | 31424276 | 108500889 | 166922463.9 | 393377527.6 | 7630986.8 | 7630986.8 | 3321405 | 3321405 | 404329919.40000004 Immobilisation /A | 0.29970622855920326 | -0.7006617333836085 | 0.3643949753977688 | 0.29954153735791006 | 0.3729262797144513 | 0.17989467004941304 | 0.28106209735395093 | 0.5471329112840786 | 0.5471329112840786 | 0.5705864775446238 | 0.5705864775446238 | 0.28928424670457503 Liquidité en % de l'actif | 0.6331908587863495 | 0.6518750484894967 | 0.46056260153367395 | 0.5327208505511699 | 0.446675154564506 | 0.5219761459351165 | 0.5205691216288928 | 0.19304194134070932 | 0.19304194134070932 | 0.9365946726458311 | 0.9365946726458311 | 0.5181674214362453 Liquidité en % des dépôts | 0.8121168515380199 | 0.7704903631975426 | 0.5402899311170866 | 0.6594825045830691 | 0.5383406716642976 | 0.611726505735717 | 0.627932686237078 | 0.26957362242528843 | 0.26957362242528843 | 1.2263739409538883 | 1.2263739409538883 | 0.6271176136827357 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 126622714.92687833 | CAPITALBK | 900000 | UNIBK | 57215399.10988 | UNIBK | 18663184.53247 SOGEBK | 79796983.05395001 | BNC |

0 | SOGEBK | 44646771.153790005 | SOGEBK | 10850743.72822 BNC | 55265591 | SOGEBK | 0 | BNC | 21868803 | BNC | 10245713 CAPITALBK | 27230829 | UNIBK | 0 | BUH | 16837600.82391708 | CAPITALBK | 4731247 BUH | 22863217.351289798 | BPH | 0 | CAPITALBK | 16063748 | BUH | 3176804.136435653 CBNA | 5894792 | BUH | 0 | SOGEBL | 5562221.41577 | SOGEBL | 1001218.0568600001 SOGEBL | 2509737.85624 | CBNA | 0 | BPH | 436756.94957199995 | CBNA | 465167 BPH | 2227056.38196 | SOGEBL | 0 | CBNA | 96667 | BPH | -354607.07864 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbansept.22] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 septembre 2022 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 5858323 | 710912.24825 | 1701609.806068133 | 1251444 | 5143265.169060001 | 5338239.978026357 | 20003794.20140449 | 92091.78353 | 92091.78353 | 13974 | 13974 | 20109859.98493449 Avoirs à la BRH | 38481853 | 1503736.9869900001 | 17137285.29468015 | 17660925 | 57854305.92229 | 90664109.2049995 | 223302215.40895966 | 1970852.73521 | 1970852.73521 | 3961652 | 3961652 | 229234720.14416966 Avoirs à l'étranger | 4960805 | 0 | 1650192.737171616 | 4956047 | 6562049.10529 | 16945933.926280208 | 35075027.768741824 | 0 | 0 | 1163657 | 1163657 | 36238684.768741824 Avoirs dans les banques locales | 0 | 0 | 465138.992936558 | 38959 | 12036.435 | 6.375926050532144e-09 | 516134.4279365644 | 266295.70171 | 266295.70171 | 0 | 0 | 782430.1296465644 Autres liquidités | 544868 | 55865.324029999996 | 103935.079844659 | 220158 | 435019.67348 | 1004094.24451486 | 2363940.3218695186 | 27133.451950000002 | 27133.451950000002 | 125433 | 125433 | 2516506.7738195187 49845849 | 2270514.55927 | 21058161.910701115 | 24127533 | 70006676.30512 | 113952377.35382092 | 281261112.12891203 | 2356373.6724 | 2356373.6724 | 5264716 | 5264716 | 288882201.801312 Bons B.R.H. | 800000 | 0 | 0 | 0 | 0 | 0 | 800000 | 0 | 0 | 0 | 0 | 800000 Bons du Trésor / M.E.F. | 25800000 | 1715000 | 0 | 0 | 6250000 | 6200000 | 39965000 | 0 | 0 | 0 | 0 | 39965000 Autres Placements | 14979450 | 0 | 6900648.021722754 | 4676919 | 29115320.248230003 | 40211051.13067739 | 95883388.40063015 | 2327832.95751 | 2327832.95751 | 0 | 0 | 98211221.35814014 Portefeuille net | 22033575 | 310180.8351391199 | 15318865.81299061 | 14510277 | 39968237.37019 | 52219581.492960006 | 144360717.51127973 | 5056875.055269999 | 5056875.055269999 | 96667 | 96667 | 149514259.56654972 Immobilisations | 2971280.00213 | 246446.29027 | 1154136.67362 | 1380496 | 4075512.3594299997 | 3322659.201209999 | 13150530.526659999 | 553756.39289 | 553756.39289 | 264863 | 264863 | 13969149.91955 Autres actifs | 3844501 | 1112767.26003 | 979812.3044671239 | 1081061 | 7558847.611119999 | 2801038.017682816 | 17378027.193299938 | 1454462.0851399999 | 1454462.0851399999 | 27926 | 27926 | 18860415.27843994 120274655.00213 | 5654908.94470912 | 45411624.72350161 | 45776286 | 156974593.89408997 | 218706707.19635114 | 592798775.7607818 | 11749300.163209999 | 11749300.163209999 | 5654172 | 5654172 | 610202247.9239919 PASSIF Dépôts À vue | 45584746 | 2102300.52228 | 16541826.220772717 | 17638295 | 61530595.04608671 | 84937062.30569333 | 228334825.09483278 | 3706701.504433726 | 3706701.504433726 | 3348164 | 3348164 | 235389690.5992665 Épargne | 34124905 | 585333.72123 | 8106410.270673083 | 9428820 | 43121159.669180505 | 74716884.21933973 | 170083512.8804233 | 1182869.097142448 | 1182869.097142448 | 735458 | 735458 | 172001839.97756577 À terme | 12384406 | 2003049.48586 | 13129982.491190754 | 9961137 | 24680540.660824187 | 27493980.195673734 | 89653095.83354867 | 3132248.0564090954 | 3132248.0564090954 | 4424 | 4424 | 92789767.88995776 92094057 | 4690683.72937 | 37778218.982

636556 | 37028252 | 129332295.37609139 | 187147926.7207068 | 488071433.80880475 | 8021818.657985269 | 8021818.657985269 | 4088046 | 4088046 | 500181298.4667901 Obligations à vue Banques locales | 0 | 0 | 700000 | 300000 | 0 | 0 | 1000000 | 0 | 0 | 0 | 0 | 1000000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4414910 | 337289.07562 | 1298361.4658313468 | 1722112 | 8234576.19353 | 6191811.12495716 | 22199059.859938506 | 287769.78061 | 287769.78061 | 1012249 | 1012249 | 23499078.640548505 4414910 | 337289.07562 | 1998361.4658313468 | 2022112 | 8234576.19353 | 6191811.12495716 | 23199059.859938506 | 287769.78061 | 287769.78061 | 1012249 | 1012249 | 24499078.640548505 Obligations à terme Banques locales | 6112028 | 0 | 1414978.35488 | 502238 | 4602136.24881 | 4470933.526389999 | 17102314.13008 | 1742664.8847400001 | 1742664.8847400001 | 0 | 0 | 18844979.01482 Banque à l'étranger | 0 | 0 | 0 | 0 | 0.49436 | 0 | 0.49436 | 0 | 0 | 0 | 0 | 0.49436 Autres | 6491592 | 953706.70854 | 577271.5310901105 | 79615 | 1168126.89243 | 2257564.6161708888 | 11527876.748231 | 348392.19339000003 | 348392.19339000003 | 82705 | 82705 | 11958973.941621 12603620 | 953706.70854 | 1992249.8859701105 | 581853 | 5770263.6356 | 6728498.142560888 | 28630191.372671 | 2091057.0781300003 | 2091057.0781300003 | 82705 | 82705 | 30803953.450801 Autres passifs | 1319464 | 24218.928310000003 | 240456.452823575 | 1462384 | 3960577.67603 | 2172099.241515755 | 9179200.298679331 | 396520.58557 | 396520.58557 | 0 | 0 | 9575720.884249331 110432051 | 6005898.44184 | 42009286.78726158 | 41094601 | 147297712.8812514 | 202240335.22974062 | 549079885.3400936 | 10797166.102295268 | 10797166.102295268 | 5183000 | 5183000 | 565060051.4423889 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728180.76157 | 2025000 | 3000000 | 6300687.5 | 15218868.26157 | 300000 | 300000 | 103837 | 103837 | 15622705.26157 Réserves | 2148479 | 238291.42462 | 385030.98121999996 | 442384 | 2131701.77986 | 2563395.56731 | 7909282.75301 | 291655.27446 | 291655.27446 | 59288 | 59288 | 8260226.02747 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 104325 | 1198668.70404 | 1384 | 0 | 0 | 1304377.70404 | 0 | 0 | 0 | 0 | 1304377.70404 BNR | 4694125 | -858605.92175 | 1090457.486888 | 2212917 | 4545179.232969996 | 7602288.901760001 | 19286361.699867997 | 360478.78646999993 | 360478.78646999993 | 308047 | 308047 | 19954887.486337997 9842604 | -350989.49713 | 3402337.9337179996 | 4681685 | 9676881.012829997 | 16466371.96907 | 43718890.418487996 | 952134.0609299999 | 952134.0609299999 | 471172 | 471172 | 45142196.479417995 120274655 | 5654908.94471 | 45411624.720979586 | 45776286 | 156974593.89408138 | 218706707.1988106 | 592798775.7585816 | 11749300.163225269 | 11749300.163225269 | 5654172 | 5654172 | 610202247.9218069 Hors-bilan Effets à l'encaissement | 1464704 | 0 | 0 | 0 | 68846.26846022 | 3750.073000181 | 1537300.341460401 | 0 | 0 | 0 | 0 | 1537300.341460401 Crédit documentaire | 0 | 0 | 0 | 0 | 2379243.015726165 | 1809400.1296932271 | 4188643.145419392 | 0 | 0 | 0 | 0 | 4188643.145419392 Autres | 4662878 | 224784.359406334 | 2620854.426157199 | 323187 | 10341156.048350725 | 2151870.224273834 | 20324730.058188092 | 131146564.07841 | 131146564.07841 | 15890.1345 | 15890.1345 | 151487184.27109808 Portefeuille brut | 25652901 | 1348228.0550891198 | 16045910.847193018 | 14839783 | 42803425.86067 | 52948683.249010004 | 153638932.01196215 | 5279058.54194 | 5279058.54194 | 96667 | 96667 | 159014657.55390215 Provisions pour créances douteuses | 3619326 | 1038047.2199499999 | 727045.034202408 | 329506 | 2835188.49048 | 729101.75605 | 9278214.500682408 | 222183.48667 | 222183.48667 | 0 | 0 | 9500397.987352408 Portefeuille de crédit improductif | 5287779 | 1191556.143567012 | 1830542.874650748 | 101957 | 1746231 | 79515.88659000001 | 10237581.

90480776 | 376091.39764 | 376091.39764 | 0 | 0 | 10613673.302447759 Dépôts US convertis | 43342122 | 2744936.8 | 26495196.6 | 27141824 | 88538517.4 | 139122011.7 | 327384608.5 | 6356459.9 | 6356459.9 | 2787396 | 278739 | 336528464.4 Immobilisation /A | 0.30187946219618306 | -0.7021471932498335 | 0.339218706696423 | 0.2948716113963242 | 0.42115970569716854 | 0.20178453441056687 | 0.3007974447837051 | 0.581594982905156 | 0.581594982905156 | 0.5621365446164034 | 0.5621365446164034 | 0.3094477231722443 Liquidité en % de l'actif | 0.6355939994061607 | 0.7047884587070056 | 0.46371743003951604 | 0.5270749356992396 | 0.48578992570332774 | 0.5493767378882906 | 0.5432300559589256 | 0.20055438533934097 | 0.20055438533934097 | 0.9311205955531597 | 0.9311205955531597 | 0.5402261347329117 Liquidité en % des dépôts | 0.8300844972005088 | 0.8496660165585902 | 0.5574154229022752 | 0.6515979474267378 | 0.5896182085330635 | 0.6420182123264034 | 0.6597929930376981 | 0.29374556729157203 | 0.29374556729157203 | 1.2878318883887314 | 1.2878318883887314 | 0.6590554321238766 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 113952377.35382092 | BNC | 800000 | UNIBK | 52219581.492960006 | UNIBK | 16466371.96907 SOGEBK | 70006676.30512 | SOGEBK | 0 | SOGEBK | 39968237.37019 | BNC | 9842604 BNC | 49845849 | CAPITALBK | 0 | BNC | 22033575 | SOGEBK | 9676881.012829997 CAPITALBK | 24127533 | UNIBK | 0 | BUH | 15318865.81299061 | CAPITALBK | 4681685 BUH | 21058161.910701115 | BPH | 0 | CAPITALBK | 14510277 | BUH | 3402337.9337179996 CBNA | 5264716 | BUH | 0 | SOGEBL | 5056875.055269999 | SOGEBL | 952134.0609299999 SOGEBL | 2356373.6724 | CBNA | 0 | BPH | 310180.8351391199 | CBNA | 471172 BPH | 2270514.55927 | SOGEBL | 0 | CBNA | 96667 | BPH | -350989.49713 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanjuin22] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 juin 2022 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 5641672 | 356624.46559 | 1033836.0637963901 | 1873920 | 4222818.58743 | 6624988.45565023 | 19753859.57246662 | 71514.96538000001 | 71514.96538000001 | 35147 | 35147 | 19860521.53784662 Avoirs à la BRH | 35466900 | 1452335.5067 | 17514949.43646825 | 18212776 | 58492253.10661 | 82834751.44644782 | 213973965.49622607 | 1802985.5336499999 | 1802985.5336499999 | 4843627 | 4843627 | 220620578.02987608 Avoirs à l'étranger | 4119494 | 0 | 1250718.214445145 | 3983769 | 6331113.919128071 | 20963637.859084383 | 36648732.9926576 | 0 | 0 | 738369 | 738369 | 37387101.9926576 Avoirs dans les banques locales | 0 | 0 | 349448.71380222 | 22982 | 3686.435 | -2.886717426008545e-09 | 376117.1488022171 | 355106.83515000006 | 355106.83515000006 | 0 | 0 | 731223.9839522172 Autres liquidités | 358176 | 32999.16894 | 4248.6788989 | 232961 | 201532.44342 | 1389783.85524415 | 2219701.14650305 | 29760.20454 | 29760.20454 | 90327 | 90327 | 2339788.3510430497 45586242 | 1841959.14123 | 20153201.107410904 | 24326408 | 69251404.49158807 | 111813161.61642657 | 272972376.35665554 | 2259367.5387199996 | 2259367.5387199996 | 5707470 | 5707470 | 280939213.8953756 Bons B.R.H. | 1600000 | 0 | 0 | 0 | 500000 | 0 | 2100000 | 0 | 0 | 0 | 0 | 2100000 Bons du Trésor / M.E.F. | 22600000 | 1795000 | 0 | 0 | 6750000 | 6700000 | 37845000 | 0 | 0 | 0 | 0 | 37845000 Autres Placements | 15029515 | 0 | 6407761.6220521405 | 5576895 | 28987613.60339 | 36197024.092172064 | 92198809.3176142 | 2354042.47768 | 2354042.47768 | 0 | 0 | 94552851.7952942 Portefeuille net | 23245872 | 367082.99480706966 | 15345839.19499831 | 13994359 | 38657267.44738 | 45328954.27658 | 136939374.91376537 | 4947470.94898 | 4947470.94898 | 96667 | 96667 | 141983512.86274537 Immobilisations | 2971370.00213 | 24769

8.77208 | 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 | 43075225.8181

08 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 | 1

4715 | 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 | 40

9499.24350000004 | 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 | 18595847.5270

3008 | 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 | 30000

0 | 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 I

mmobilisation /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 | 2958.53400218

6 | 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 | 11

7556990.71999848 | 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 | 260731.60

43439199 | 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 3224

616.99998 | 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 | 109560989.14918

001 | 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 [RÉSULTsyst ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RÉSULTATS TRIMESTRIELS PAR BANQUE (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME TRIM 3 2026 (Avril - Juin 2026) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 435582 | 4856.51025 | 368477.63982 | 502614 | 636947.1148999999 | 1396244.12877 | 3344721.39374 | 152254.40227000002 | 152254.40227000002 | 0 | 0 | 3496975.79601 Intérêts sur Bons B.R.H. | 167661 | 4588.07143 | 5148 | 8893 | 571589.1152800003 | 39780 | 797659.1867100003 | 0 | 0 | 0 | 0 | 797659.1867100003 Autres | 1155753 | 80880.74614 | 114247.209989114 | 99138 | 355517.9330999999 | 1206015.7779899999 | 3011552.6672191136 | 59782.180880000014 | 59782.180880000014 | 0 | 0 | 3071334.8480991134 1758996 | 90325.32782 | 487872.849809114 | 610645 | 1564054.16328 | 2642039.9067599997 | 7153933.247669114 | 212036.58315000002 | 212036.58315000002 | 0 | 0 | 7365969.830819114 Dépenses d'intérêt | 166843 | 10672.814719999998

| 136339.84569 | 101932 | 291744.6226 | 264413.06145000004 | 971945.34446 | 45880.659119383985 | 45880.659119383985 | 0 | 0 | 1017826.0035793841 1592153 | 79652.51310000001 | 351533.004119114 | 508713 | 1272309.54068 | 2377626.84531 | 6181987.9032091135 | 166155.92403061604 | 166155.92403061604 | 0 | 0 | 6348143.82723973 AUTRES REVENUS Commissions | 276814 | 2802.80933 | 212607.5727424987 | 319101 | 562423.6372199998 | 793963.91182 | 2167712.9311124985 | 15478.221889999999 | 15478.221889999999 | 0 | 0 | 2183191.1530024987 Gains sur change | 60480 | 625.3464899999999 | 11517.967189160514 | 102989 | 242318.98832999996 | 461999.83993 | 879931.1419391604 | 4769.107469999999 | 4769.107469999999 | 0 | 0 | 884700.2494091605 Autres | 12322 | 986.1298499999999 | 245370.14604611826 | 233603 | 415336.84962 | 554190.51294 | 1461808.6384561183 | 9184.752840000001 | 9184.752840000001 | 0 | 0 | 1470993.3912961183 349616 | 4414.28567 | 469495.68597777747 | 655693 | 1220079.4751699998 | 1810154.26469 | 4509452.711507777 | 29432.082199999997 | 29432.082199999997 | 0 | 0 | 4538884.793707778 PRODUIT NET BANCAIRE | 1941769 | 84066.79877000001 | 821028.6900968915 | 1164406 | 2492389.01585 | 4187781.11 | 10691440.614716891 | 195588.00623061604 | 195588.00623061604 | 0 | 0 | 10887028.620947508 Dotation à la provision pour créances douteuses | 0 | 4000 | -11643.137537359995 | 14745 | 159640.45863 | 145952.24706 | 312694.56815264 | 14700.000000000002 | 14700.000000000002 | 0 | 0 | 327394.56815264 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1941769 | 80066.79877000001 | 832671.8276342514 | 1149661 | 2332748.55722 | 4041828.86294 | 10378746.046564251 | 180888.00623061604 | 180888.00623061604 | 0 | 0 | 10559634.052794868 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 794405 | 50308.11211 | 242269.51766999994 | 321355 | 763756.95072 | 1110833.26816 | 3282927.8486599997 | 51032.53271 | 51032.53271 | 0 | 0 | 3333960.3813699996 Frais de locaux | 52612 | 4801.32473 | 93150.76971000001 | 110929 | 55800.21093 | 72297.72872999999 | 389591.0341 | 18384.702869999997 | 18384.702869999997 | 0 | 0 | 407975.73696999997 Amortissement | 58181 | 5465.55124 | 25503.97531 | 35061 | 98538.22879999997 | 195291.29460000002 | 418041.04995 | 5916.261810000002 | 5916.261810000002 | 0 | 0 | 423957.31176 Autres dépenses d'exploitation | 409533 | 25429.99245 | 211407.16338858497 | 366204 | 763546.2387099998 | 1173824.5863899998 | 2949944.9809385845 | 40559.93682 | 40559.93682 | 0 | 0 | 2990504.9177585845 1314731 | 86004.98053 | 572331.426078585 | 833549 | 1681641.6291599995 | 2552246.87788 | 7040504.913648584 | 115893.43420999999 | 115893.43420999999 | 0 | 0 | 7156398.347858584 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 627038 | -5938.181759999992 | 260340.40155566647 | 316112 | 651106.9280600003 | 1489581.9850599999 | 3338241.1329156673 | 64994.57202061605 | 64994.57202061605 | 0 | 0 | 3403235.7049362846 Impôts sur le revenu | 0 | 0 | 77875.7835867 | 87293 | 149180 | 298053.37174 | 612402.1553267 | 17548.534440000003 | 17548.534440000003 | 0 | 0 | 629950.6897666999 BÉNÉFICE NET (PERTE NETTE) | 627038 | -5938.181759999992 | 182464.6179689665 | 228819 | 501926.9280600003 | 1191528.61332 | 2725838.9775889674 | 47446.037580616045 | 47446.037580616045 | 0 | 0 | 2773285.0151695847 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYTÈME TRIM 3 2025 (Avril - Juin 2025) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 346984 | 2668.96984 | 348705.16406 | 472516 | 565877.6681499998 | 1250457.79889 | 2987209.60094 | 144282.35747000002 | 144282.35747000002 | 0 | 0 | 3131491.95841 Intérêts sur Bons B.R.H. | 289547 | 25299.42856 | 3359.5714299999995 | 9945 | 419406.68410000013 | 56668.64287000001 | 804226.3269600001 | 0 | 0 | 0 | 0 | 804226.3269600001 Autres | 825481 | 55256.58627 | 68817.641683944 | 82091 | 307758.17042 | 1014913.877

9 | 2354318.276273944 | 39425.688200000004 | 39425.688200000004 | 0 | 0 | 2393743.964473944 1462012 | 83224.98467 | 420882.377173944 | 564552 | 1293042.5226699999 | 2322040.31966 | 6145754.204173944 | 183708.04567000002 | 183708.04567000002 | 0 | 0 | 6329462.249843944 Dépenses d'intérêt | 170907 | 10609.225349999999 | 110061.07921 | 121281 | 264850.79171 | 295231.17290999996 | 972940.26918 | 44023.11680969103 | 44023.11680969103 | 0 | 0 | 1016963.385989691 1291105 | 72615.75932000001 | 310821.29796394403 | 443271 | 1028191.7309599998 | 2026809.14675 | 5172813.934993944 | 139684.92886030898 | 139684.92886030898 | 0 | 0 | 5312498.863854253 AUTRES REVENUS Commissions | 225147 | 3944.0313699999997 | 197295.94464222208 | 336434 | 477802.07623 | 698599.4193999999 | 1939222.4716422223 | 16891.549140000003 | 16891.549140000003 | 0 | 0 | 1956114.0207822223 Gains sur change | 52120 | 5274.09832 | 72709.90040107019 | 87956 | 266011.37844 | 342727.75381 | 826799.1309710701 | 4074.1854500000013 | 4074.1854500000013 | 0 | 0 | 830873.3164210701 Autres | 38507 | 1507.14013 | 46923.979635084856 | 207238 | 234670.07442999998 | 421913.24852 | 950759.4427150848 | 8939.691569999999 | 8939.691569999999 | 0 | 0 | 959699.1342850848 315774 | 10725.26982 | 316929.82467837713 | 631628 | 978483.5290999999 | 1463240.42173 | 3716781.0453283773 | 29905.426160000003 | 29905.426160000003 | 0 | 0 | 3746686.471488377 PRODUIT NET BANCAIRE | 1606879 | 83341.02914000001 | 627751.1226423212 | 1074899 | 2006675.2600599998 | 3490049.56848 | 8889594.980322322 | 169590.35502030898 | 169590.35502030898 | 0 | 0 | 9059185.33534263 Dotation à la provision pour créances douteuses | 30000 | 0 | -76321.72838028843 | 8204 | 196758.03565 | 236181.65165999997 | 394821.95892971155 | 22000 | 22000 | 0 | 0 | 416821.95892971155 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1576879 | 83341.02914000001 | 704072.8510226096 | 1066695 | 1809917.2244099998 | 3253867.91682 | 8494773.02139261 | 147590.35502030898 | 147590.35502030898 | 0 | 0 | 8642363.376412919 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 600174 | 46899.09741 | 230191.73991 | 310499 | 639045.18802 | 1061253.02899 | 2888062.0543299997 | 35306.317339999994 | 35306.317339999994 | 0 | 0 | 2923368.37167 Frais de locaux | 35255 | 4813.01325 | 89431.056 | 87100 | 54804.02794 | 89676.04551 | 361079.14269999997 | 21836.962789999998 | 21836.962789999998 | 0 | 0 | 382916.10549 Amortissement | 54882 | 1966.6871099999998 | 24584.713799999998 | 31002 | 85846.05584 | 188708.65217 | 386990.10892 | 3438.970190000001 | 3438.970190000001 | 0 | 0 | 390429.07911000005 Autres dépenses d'exploitation | 292018 | 21751.80342 | 179849.76420508 | 354975 | 669123.69685 | 769869.5774899999 | 2287587.84196508 | 33441.424999999996 | 33441.424999999996 | 0 | 0 | 2321029.2669650796 982329 | 75430.60119 | 524057.27391508 | 783576 | 1448818.96865 | 2109507.30416 | 5923719.147915079 | 94023.67531999998 | 94023.67531999998 | 0 | 0 | 6017742.82323508 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 594550 | 7910.427950000012 | 180015.57710752962 | 283119 | 361098.25575999985 | 1144360.61266 | 2571053.8734775307 | 53566.679700309 | 53566.679700309 | 0 | 0 | 2624620.553177839 Impôts sur le revenu | 0 | 0 | 54238.24464654194 | 39119 | 70445 | 233207.88038 | 397010.12502654194 | 14463.003520000004 | 14463.003520000004 | 0 | 0 | 411473.12854654196 BÉNÉFICE NET (PERTE NETTE) | 594550 | 7910.427950000012 | 125777.33246098767 | 244000 | 290653.25575999985 | 911152.7322800001 | 2174043.748450989 | 39103.676180309 | 39103.676180309 | 0 | 0 | 2213147.424631297 Commissions / salaires | 0.348454503685148 | 0.05571287039894449 | 0.8775663351594056 | 0.9929859501174714 | 0.7363908592776778 | 0.7147462491244372 | 0.6602986818602483 | 0.30330107223870917 | #DIV/0! | #DIV/0! | #DIV/0! | 0.6548341621580327 marge nette en % revenus d'intérêts | 0.9051487325724448 | 0.8818402880167926 | 0.720542256566758 | 0.8330748

634640421 | 0.8134689773222571 | 0.8999208676699149 | 0.8641383263148732 | 0.783619135727504 | #DIV/0! | #DIV/0! | #DIV/0! | 0.8618205033475953 frais d'exploitation en % produit net bancaire | 0.6770789934333075 | 1.0230552582988524 | 0.6970906534472538 | 0.7158576991186922 | 0.6747107367533055 | 0.6094508788402268 | 0.6585178899050562 | 0.592538553071353 | #DIV/0! | #DIV/0! | #DIV/0! | 0.6573325557433646 REVENUS D'INTÉR. | revnet%revint | AUTRES REVENUS | F.D'EXPL.%PNB | frais d'expl. | bénef.net UNIBK | 2642039.9067599997 | BNC | 0.9051487325724448 | UNIBK | 1810154.26469 | UNIBK | 0.592538553071353 | UNIBK | 2552246.87788 | UNIBK | 1191528.61332 BNC | 1758996 | UNIBK | 0.8999208676699149 | SOGEBK | 1220079.4751699998 | SOGEBL | 0.6094508788402268 | SOGEBK | 1681641.6291599995 | BNC | 627038 SOGEBK | 1564054.16328 | BPH | 0.8818402880167926 | CAPITALBK | 655693 | SOGEBK | 0.6747107367533055 | BNC | 1314731 | SOGEBK | 501926.9280600003 CAPITALBK | 610645 | CAPITALBK | 0.8330748634640421 | BUH | 469495.68597777747 | BNC | 0.6770789934333075 | CAPITALBK | 833549 | CAPITALBK | 228819 BUH | 487872.849809114 | SOGEBK | 0.8134689773222571 | BNC | 349616 | BUH | 0.6970906534472538 | BUH | 572331.426078585 | BUH | 182464.6179689665 SOGEBL | 212036.58315000002 | SOGEBL | 0.783619135727504 | SOGEBL | 29432.082199999997 | CAPITALBK | 0.7158576991186922 | SOGEBL | 115893.43420999999 | SOGEBL | 47446.037580616045 BPH | 90325.32782 | BUH | 0.720542256566758 | BPH | 4414.28567 | BPH | 1.0230552582988524 | BPH | 86004.98053 | BPH | -5938.181759999992 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 - Juin 2026) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1194854 | 18838.252839999997 | 1083492.5548399999 | 1480688 | 1847683.0421799999 | 4197086.8827100005 | 9822642.73257 | 409383.94376000005 | 409383.94376000005 | 0 | 0 | 10232026.67633 Intérêts sur Bons B.R.H. | 679069 | 24224.85 | 16766.1 | 18779 | 1731298.3563600003 | 86989.5 | 2557126.8063600003 | 0 | 0 | 0 | 0 | 2557126.8063600003 Autres | 3127795 | 248343.68979 | 338226.968160752 | 308459 | 1044703.42773 | 3580347.4497399996 | 8647875.535420751 | 169065.69905 | 169065.69905 | 0 | 0 | 8816941.234470751 5001718 | 291406.79263 | 1438485.623000752 | 1807926 | 4623684.82627 | 7864423.832450001 | 21027645.074350752 | 578449.6428100001 | 578449.6428100001 | 0 | 0 | 21606094.717160754 | . Dépenses d'intérêt | 497783 | 31992.922209 | 402850.4549 | 302758 | 876174.90348 | 816137.2949500001 | 2927696.575539 | 136372.574286858 | 136372.574286858 | 0 | 0 | 3064069.149825858 4503935 | 259413.87042099997 | 1035635.1681007519 | 1505168 | 3747509.92279 | 7048286.537500001 | 18099948.49881175 | 442077.06852314214 | 442077.06852314214 | 0 | 0 | 18542025.567334898 AUTRES REVENUS Commissions | 781765 | 10769.47789 | 644790.907223332 | 963374 | 1593914.2742499998 | 2232381.60437 | 6226995.263733331 | 37038.993129999995 | 37038.993129999995 | 0 | 0 | 6264034.256863331 Gains sur change | 167222 | 3269.23877 | 181437.44465999992 | 369482 | 827602.78552 | 1338723.12627 | 2887736.59522 | 13690.64443 | 13690.64443 | 0 | 0 | 2901427.23965 Autres | 54856 | 4295.15658 | 439269.4468594537 | 690454 | 957992.92389 | 1589772.05937 | 3736639.5866994536 | 27287.18943 | 27287.18943 | 0 | 0 | 3763926.7761294534 1003843 | 18333.87324 | 1265497.7987427856 | 2023310 | 3379509.9836599994 | 5160876.79001 | 12851371.445652785 | 78016.82699 | 78016.82699 | 0 | 0 | 12929388.272642784 PRODUIT NET BANCAIRE | 5507778 | 277747.743661 | 2301132.9668435375 | 3528478 | 7127019.90645 | 12209163.32751 | 30951319.944464535 | 520093

.8955131421 | 520093.8955131421 | 0 | 0 | 31471413.83997768 Dotation à la provision pour créances douteuses | 102200 | 6352.37 | -5412.505965627244 | 33111 | 483024.71285 | 456726.75457999995 | 1076002.3314643726 | 32572.657570000003 | 32572.657570000003 | 0 | 0 | 1108574.9890343726 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 5405578 | 271395.373661 | 2306545.472809165 | 3495367 | 6643995.1936 | 11752436.572929999 | 29875317.613000162 | 487521.2379431421 | 487521.2379431421 | 0 | 0 | 30362838.85094331 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 2481124 | 160316.30286 | 719261.1627 | 929251 | 2099591.17784 | 3624984.1074699997 | 10014527.75087 | 141910.63093 | 141910.63093 | 0 | 0 | 10156438.381800001 Frais de locaux | 144073 | 14410.789200000001 | 264142.07832000003 | 317519 | 171949.49043 | 226614.06948 | 1138708.4274300002 | 56939.29075999999 | 56939.29075999999 | 0 | 0 | 1195647.7181900002 Amortissement | 174776 | 14841.52202 | 74349.93900000001 | 103067 | 295138.99419 | 565966.85267 | 1228140.3078800002 | 17499.593630000003 | 17499.593630000003 | 0 | 0 | 1245639.9015100002 Autres dépenses d'exploitation | 1087341 | 64579.08056 | 642082.146836539 | 1058293 | 2165933.2205499997 | 3116805.86069 | 8135034.308636539 | 111451.57773 | 111451.57773 | 0 | 0 | 8246485.886366539 3887314 | 254147.69464 | 1699835.3268565391 | 2408130 | 4732612.88301 | 7534370.890310001 | 20516410.79481654 | 327801.09305 | 327801.09305 | 0 | 0 | 20844211.88786654 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1518264 | 17247.67902099999 | 606710.1459526257 | 1087237 | 1911382.31059 | 4218065.682619998 | 9358906.818183623 | 159720.1448931421 | 159720.1448931421 | 0 | 0 | 9518626.963076767 Impôts sur le revenu | 0 | 0 | 182203.80446578783 | 299453 | 433187 | 846693.34888 | 1761537.153345788 | 43124.43877 | 43124.43877 | 0 | 0 | 1804661.5921157878 BÉNÉFICE NET (PERTE NETTE) | 1518264 | 17247.67902099999 | 424506.34148683783 | 787784 | 1478195.31059 | 3371372.3337399983 | 7597369.664837835 | 116595.7061231421 | 116595.7061231421 | 0 | 0 | 7713965.370960979 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME CUMUL 2025 (Octobre 2024 - Juin 2025) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1047394 | 9868.59949 | 1060006.01523 | 1382379 | 1925170.2541299998 | 3908586.4505900005 | 9333404.31944 | 382790.14876 | 382790.14876 | 94 | 94 | 9716288.4682 Intérêts sur Bons B.R.H. | 930459 | 43873.42856 | 5992.07143 | 43892 | 1190428.25058 | 179438.46430000002 | 2394083.2148700003 | 0 | 0 | 0 | 0 | 2394083.2148700003 Autres | 2367948 | 187217.76593000002 | 177725.29182858398 | 261958 | 885664.22406 | 2948405.90781 | 6828919.189628584 | 115378.20081 | 115378.20081 | 5867 | 5867 | 6950164.390438585 4345801 | 240959.79398000002 | 1243723.378488584 | 1688229 | 4001262.72877 | 7036430.8227 | 18556406.723938584 | 498168.34957 | 498168.34957 | 5961 | 5961 | 19060536.073508583 Dépenses d'intérêt | 505269 | 39468.37292 | 323209.98666 | 391885 | 767270.72296 | 943433.2908399999 | 2970536.37338 | 134557.83766969104 | 134557.83766969104 | 0 | 0 | 3105094.211049691 3840532 | 201491.42106000002 | 920513.391828584 | 1296344 | 3233992.00581 | 6092997.53186 | 15585870.350558585 | 363610.511900309 | 363610.511900309 | 5961 | 5961 | 15955441.862458892 AUTRES REVENUS Commissions | 547734 | 13002.41966 | 556705.76136 | 945897 | 1393198.35586 | 1981494.4946000003 | 5438032.03148 | 38781.24399000001 | 38781.24399000001 | 2626 | 2626 | 5479439.275470001 Gains sur change | 176891 | 5914.42083 | 208036.25919245597 | 352508 | 783258.97109 | 1180865.98613 | 2707474.637242456 | 12784.027610000001 | 12784.027610000001 | 5719 | 5719 | 2725977.664852456 Autres | 60217 | 3433.74424 | 142734.56303685362 | 455516 | 711521.4402699999 | 1460325.2315 | 2833747.9790468533 | 99951.98473 | 99951.98473 | 27858 | 27858 | 2961557.963776

8534 784842 | 22350.58473 | 907476.5835893096 | 1753921 | 2887978.76722 | 4622685.712230001 | 10979254.64776931 | 151517.25633 | 151517.25633 | 36203 | 36203 | 11166974.90409931 PRODUIT NET BANCAIRE | 4625374 | 223842.00579000002 | 1827989.9754178936 | 3050265 | 6121970.77303 | 10715683.244090002 | 26565124.998327896 | 515127.768230309 | 515127.768230309 | 42164 | 42164 | 27122416.7665582 Dotation à la provision pour créances douteuses | 200000 | 0 | -73189.79228456538 | 29856 | 529290.37738 | 481624.58151999995 | 1167581.1666154345 | 47203.04154 | 47203.04154 | 0 | 0 | 1214784.2081554343 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 4425374 | 223842.00579000002 | 1901179.767702459 | 3020409 | 5592680.395649999 | 10234058.662570002 | 25397543.831712462 | 467924.726690309 | 467924.726690309 | 42164 | 42164 | 25907632.558402766 DÉPENSES D'EXPLOITATION | 0 | 0 | 0 | 0 | 0 | 0 | 0 Salaires et avantages sociaux | 2159123 | 129169.76408000001 | 681772.67753 | 922497 | 1824408.43067 | 3466917.59029 | 9183888.46257 | 122865.32837999999 | 122865.32837999999 | 16745 | 16745 | 9323498.79095 Frais de locaux | 102595 | 14439.83526 | 268836.05627 | 265997 | 157548.88692999998 | 278970.28237000003 | 1088387.0608299999 | 64723.12638 | 64723.12638 | 658 | 658 | 1153768.18721 Amortissement | 167728 | 5735.49482 | 72303.81019 | 117711 | 268667.60959999997 | 566899.51169 | 1199045.4263 | 10512.435370000001 | 10512.435370000001 | 8397 | 8397 | 1217954.86167 Autres dépenses d'exploitation | 782101 | 60290.75327 | 573735.9283113519 | 1101089 | 1986533.5938199998 | 2625906.94459 | 7129657.219991352 | 104737.68981000001 | 104737.68981000001 | 64895 | 64895 | 7299289.909801353 3211547 | 209635.84743000002 | 1596648.4723013518 | 2407294 | 4237158.52102 | 6938694.32894 | 18600978.169691354 | 302838.57993999997 | 302838.57993999997 | 90695 | 90695 | 18994511.749631353 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1213827 | 14206.158360000001 | 304531.29540110705 | 613115 | 1355521.8746299995 | 3295364.333630001 | 6796565.662021108 | 165086.14675030904 | 165086.14675030904 | -48531 | -48531 | 6913120.808771413 Impôts sur le revenu | 0 | 0 | 91162.20323461524 | 60586 | 270276.8 | 652167.8585 | 1074192.8617346152 | 44572.922130000006 | 44572.922130000006 | 0 | 0 | 1118765.7838646153 BÉNÉFICE NET (PERTE NETTE) | 1213827 | 14206.158360000001 | 213369.0921664918 | 552529 | 1085245.0746299995 | 2643196.475130001 | 5722372.800286492 | 120513.22462030903 | 120513.22462030903 | -48531 | -48531 | 5794355.024906797 [pageint.sect4] SECTION 4 STATISTIQUES PAR BANQUE [bncinfin ] BANQUE NATIONALE DE CRÉDIT (BNC) INDICATEURS FINANCIERS Var. juin 26 | 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 | 0.023215358378313296 | 139172462 | 0.032769435378674265 | 143733065 | 0 | 0 | 0.08923087147751438 | 131958310 | 0.11470098157514362 | 118380006.99841 | 0.001867986908937221 | 118159286.99713 | -0.017587811870776376 | 120274655.00213 Bons B.R.H. | 10000000 | 0.3 | 13000000 | 0.23076923076923078 | 16000000 | 0 | 0 | -0.07514450867052024 | 17300000 | 0.1610738255033557 | 14900000 | 0 | 0 | 0 | 800000 Prêts nets | 13620598 | 0.0019805297829067416 | 13647574 | -0.0534325001644981 | 12918350 | 0 | 0 | -0.07115809024693526 | 13908018 | -0.11984953167550359 | 15801864 | -0.2062783012541835 | 19908570 | -0.096443949744878 | 22033575 Dépôts | 106769844 | 0.02066295994588126 | 108976025.00999999 | 0.030565236616901355 | 112306903 | 0 | 0 | 0.08339033564861709 | 103662456 | 0.11293490019746343 | 93143324 | 0.01014022477865363 | 92208311 | 0.001240622942694337 | 92094057 Avoir des Actionnaires | 12594010 | 0.010652445090959908 | 12728167 | 0.04926380994215428 | 13355205 | 0 | 0 | 0.09585125534788538 | 12187060 | 0.07180249873775583 | 11370621 | -0.007931144235269236 | 1

1461524 | 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 - juin 26) | (oct. 24- juin 25) Résultats Revenus nets d'intérêt | 1353376 | -0.004339813503522098 | 1359275 | 1558406 | 0.30941762060644357 | 1190152 | 1592153 | 0.2331708110494499 | 1291105 | 0 | 0 | 1321414 | 4503935 | 0.17273726660785538 | 3840532 Autres revenus | 329789 | 0.10217702261911128 | 299216 | 324438 | 0.9101217530556014 | 169852 | 349616 | 0.10717158474098565 | 315774 | 0 | 0 | 310333 | 1003843 | 0.27903832873368145 | 784842 Dot. à la prov. pr créances douteuses | 17200 | -0.8988235294117647 | 170000 | 85000 | 0 | 0 | 0 | 0 | 30000 | 0 | 0 | 0 | 102200 | -0.489 | 200000 Dépenses d'exploitation | 1276216 | 0.1515700570273587 | 1108240 | 1296367 | 0.15646069771217633 | 1120978 | 1314731 | 0.338381540196818 | 982329 | 0 | 0 | 1300192 | 3887314 | 0.2104179076314312 | 3211547 Bénéfice (perte) net | 389749 | 0.02497823805854554 | 380251 | 501477 | 1.0980018910076728 | 239026 | 627038 | 0.054643007316457826 | 594550 | 0 | 0 | 331555 | 1518264 | 0.2508075697772417 | 1213827 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 - juin 26) | (oct. 24- juin 25) | 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 | 0.09145607411903081 | 0.09586540427512488 | 0.09291672031066756 | 0.09637252954860351 | 0 | 0.0923553810290538 | 0.09291672031066756 | 0.09637252954860351 | 0.0923553810290538 | 0.09605186963836489 | 0.09700061917501576 | 0.08183439811010634 Dépôts en % de l'actif | 0.7849867899330301 | 0.7862614453536114 | 0.7830286498057352 | 0.7783134923572955 | 0.7813574628774528 | 0.7743620146891173 | 0 | 0.7855697454749155 | 0.7813574628774528 | 0.7743620146891173 | 0.7855697454749155 | 0.7868163413882129 | 0.7803729469207077 | 0.765697951894928 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.39811911288025675 | 0.44710630785210487 | 0.3969044050331622 | 0.49885311370973406 | 0.3916071224674734 | 0.5030773553472412 | 0 | 0.4853311719102582 | 0.3916071224674734 | 0.5030773553472412 | 0.4853311719102582 | 0.4523539539627359 | 0.31028335835250215 | 0.2061279151235176 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.6511570246579115 | 0.5493016910492151 | 0.6607856438833327 | 0.5055737590994961 | 0.6971751311756149 | 0.5093825890550449 | 0 | 0.5569684566829493 | 0.6971751311756149 | 0.5093825890550449 | 0.5569684566829493 | 0.5450641831583191 | 0.48539821250531273 | 0.6844699825768059 Prêts improductifs nets en % de l'avoir des actionnaires | 0.20276663270872422 | 0.35755474146939903 | 0.19568230052292682 | 0.41775067644445346 | 0.1577885176603429 | 0.39438751792887256 | 0 | 0.3362816790924144 | 0.1577885176603429 | 0.39438751792887256 | 0.3362816790924144 | 0.37958155495640916 | 0.3265283046128944 | 0.16951337268064426 Rentabilité ROA (rendement de l'actif) | 0.011635464702303614 | 0.012501374705984752 | 0.014578493016234532 | 0.007648097905019327 | 0.017731375039555165 | 0.018605020706671447 | 0 | 0.010103008914373027 | 0.014685638968574916 | 0.013001506398838457 | 0.012346348082301882 | 0.011964743583167042 | 0.013168167139600218 | 0.013424277485871085 ROE ( rendement

avoir des action.) | 0.1258215242521812 | 0.13156624444623882 | 0.1584309279569446 | 0.08054532350888366 | 0.1923180791195249 | 0.19355142199500064 | 0 | 0.10707623394778921 | 0.15850998335503919 | 0.1351226218448695 | 0.1311998409351073 | 0.12395383788951936 | 0.1473769778326529 | 0.16200253044124027 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8880880308099961 | 0.8898253768227419 | 0.9066820417255983 | 0.8775547221898609 | 0.9051487325724448 | 0.8831015066907796 | 0 | 0.8798627817458705 | 0.9004775958980494 | 0.8837339767743622 | 0.8827397436436772 | 0.8985184161295512 | 0.8993440556615856 | 0.8894728611533587 Rendement moyen des prêts | 0.07654885312563597 | 0.08561352960488729 | 0.08695847130663616 | 0.04914283387368104 | 0.09607745539284436 | 0.0686823439366096 | 0 | 0.08065749912774924 | 0.08651277909606721 | 0.06798802348469339 | 0.07205507855811608 | 0.090355143987379 | 0.08914980071130708 | 0.07913494619422924 Rendement moyen des prêts productifs | 0.13730953274863644 | 0.15558679563868433 | 0.14433178769655122 | 0.0931862262200796 | 0.15862454888255612 | 0.13762750963635312 | 0 | 0.15954144666056158 | 0.1545177515469626 | 0.13004146150666418 | 0.13545582054140123 | 0.14511965277975675 | 0.11980193358112166 | 0.09738041457047548 Rémunération moyenne des dépôts | 0.0064836054160886895 | 0.007034860009420777 | 0.00594755304418146 | 0.006792242945820331 | 0.006031843540770943 | 0.006889294429601727 | 0 | 0.007048629973017876 | 0.006146341034115554 | 0.006935964101527351 | 0.006968250627598437 | 0.007058486427702675 | 0.006733315548067185 | 0.006003690507811597 Dépenses d'exploitation en % du produit net bancaire | 0.7582239412060018 | 0.6682218956871036 | 0.6885153523074667 | 0.8242461051585143 | 0.6770789934333075 | 0.6113272996908915 | 0 | 0.7968097995583874 | 0.7057862535490719 | 0.6943323934453732 | 0.7210566968418862 | 0.6526968181592946 | 0.6617718116162404 | 0.6507434355959172 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 7223.884120171674 | 8615.537662337661 | 7820.743509865005 | 7060.371187540558 | 7958.069672131148 | 8095.10831234257 | 0 | 7576.306442251886 | 7771.115343915343 | 7772.10501995379 | 7484.594497607655 | 9027.229476405946 | 10669.382322923046 | 6754.8363997558 [bncvar] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var. juin 26 | 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 | 0.06604654335514618 | 10314528 | -0.04820870135792932 | 9817278 | 0 | 0 | -0.032653450940896965 | 10148667 | 0.12286274004758466 | 9038208 | 0.737295716755426 | 5202458 | -0.11195439377446413 | 5858323 Avoirs à la BRH | 47587817 | -0.03528875888549374 | 45908502 | 0.0672340822621483 | 48995118 | 0 | 0 | 0.1674155112608803 | 41968877 | 0.18437949313240468 | 35435329 | -0.080507078965869 | 38537903 | 0.0014565306925318799 | 38481853 Avoirs à l'étranger | 2043055 | 0.36219925552665005 | 2783048 | -0.27111857215542096 | 2028512 | 0 | 0 | -0.12888178886297952 | 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 | 0 Autres liquidités | 334304 | 0.8590594189719537 | 621491 | -0.07995288749153245 | 571801 | 0 | 0 | -0.6267900080672743 | 1532116 | 3.217045814238333 | 363315 | -0.4727137358714015 | 689028 | 0.2645778427068574 | 544868 59640671 | -0.0002196823037084878 | 59627569 | 0.02993816501222782 | 61412709 | 0 | 0 | 0.09708083258706188 | 55978290 | 0.19398703582256094 | 46883499 | -0.008302435876297077 | 47276005 | -0.05155582764775458 | 49845849 Bons B.R.H. | 10000000 | 0.3 | 13000000 | 0.23076923076923078 | 16000000 | 0 | 0 | -0.07514450867052024 | 17300000 | 0.1610738255033557 | 149

00000 | 0 | 0 | 0 | 800000 Bons du Trésor / M.E.F. | 29646100 | 0.001097614863337842 | 29678640 | 0.00796397678599828 | 29915000 | 0 | 0 | 0.3373956661495612 | 22368100 | 0.28147235749069033 | 17455000 | -0.3606227106227106 | 27300000 | 0.05813953488372093 | 25800000 Autres Placements | 16446382 | -0.02673457298997433 | 16006695 | 0.007956670630632994 | 16134055 | 0 | 0 | -0.012768251655492172 | 16342723 | -0.04097291581332955 | 17040940 | -0.042690717623271486 | 17800872 | 0.18835284339545177 | 14979450 Portefeuille net | 13620598 | 0.0019805297829067416 | 13647574 | -0.0534325001644981 | 12918350 | 0 | 0 | -0.07115809024693526 | 13908018 | -0.11984953167550359 | 15801864 | -0.2062783012541835 | 19908570 | -0.096443949744878 | 22033575 Immobilisations | 2535677 | 0.003376613030760621 | 2544239 | 0.011433674273525403 | 2573329 | 0 | 0 | -0.0024429850625922855 | 2579631 | -0.10156391983532134 | 2871245.9984100005 | -0.02094039595496456 | 2932656.99713 | -0.012998776612205007 | 2971280.00213 Autres actifs | 4125401 | 0.13146455338523455 | 4667745 | 0.02396810451299289 | 4779622 | 0 | 0 | 0.3728439188544866 | 3481548 | 0.015781375001531747 | 3427458 | 0.16533313296044483 | 2941183 | -0.2349636532803607 | 3844501 136014829 | 0.023215358378313296 | 139172462 | 0.032769435378674265 | 143733065 | 0 | 0 | 0.08923087147751438 | 131958310 | 0.11470098157514362 | 118380006.99841 | 0.001867986908937221 | 118159286.99713 | -0.017587811870776376 | 120274655.00213 PASSIF Dépôts À vue | 47548537 | 0.027337371284420337 | 48848389.01 | 0.035973161564044016 | 50605620 | 0 | 0 | 0.08677055970006059 | 46565137 | 0.08689499789589045 | 42842351 | -0.0012128163940567124 | 42894374 | -0.05901912889895229 | 45584746 Épargne | 45822592 | 0.005014076899010863 | 46052350 | 0.034843238184370615 | 47656963 | 0 | 0 | 0.1019695990545118 | 43247076 | 0.13691232117723204 | 38039060 | 0.02638736044503788 | 37061115 | 0.08604302341647545 | 34124905 À terme | 13398715 | 0.05049521539938718 | 14075286 | -0.0022000263440472897 | 14044320 | 0 | 0 | 0.014012533931715133 | 13850243 | 0.12953362171139202 | 12261913 | 0.0007419515275746273 | 12252822 | -0.010624974665720746 | 12384406 106769844 | 0.02066295994588126 | 108976025.00999999 | 0.030565236616901355 | 112306903 | 0 | 0 | 0.08339033564861709 | 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 | 0.28089411473924447 | 7027281 | -0.1122859609570188 | 6238216 | 0 | 0 | 0.11330929634614118 | 5603309 | 0.3437536646623786 | 4169893 | -0.12660307531576623 | 4774339 | 0.08141253162578625 | 4414910 5486231 | 0.28089411473924447 | 7027281 | -0.1122859609570188 | 6238216 | 0 | 0 | 0.11330929634614118 | 5603309 | 0.3437536646623786 | 4169893 | -0.12660307531576623 | 4774339 | 0.08141253162578625 | 4414910 Obligations à terme Banques locales | 1915606 | -0.021774832611716605 | 1873894 | -0.021872635271792323 | 1832907 | 0 | 0 | -0.04442925602462401 | 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 | 0.01180999112411854 | 7345866 | 0.10280884513820426 | 8101086 | 0 | 0 | 0.11993226009359166 | 7233550 | 0.07058389968978664 | 6756640 | 0.037368600524868616 | 6513249 | 0.0033361616071989736 | 6491592 9175730 | 0.004798528291481986 | 9219760 | 0.07746763473235746 | 9933993 | 0 | 0 | 0.08548323050701741 | 9151678 | 0.0399588001825901 | 8800039 | -0.007262631342520175 | 8864418 | -0.29667682776853 | 12603620 Autres passifs | 1989014 | -0.38601286868770157 | 1221229 | 0.5547845653845429 | 1898748 | 0 | 0 | 0.40252487983885443 | 1353807 | 0.51072

61223260018 | 896130 | 0.053409271242924904 | 850695 | -0.3552722923853929 | 1319464 123420819 | 0.024497293361827314 | 126444295.00999999 | 0.031109074471797397 | 130377860 | 0 | 0 | 0.08855722888422722 | 119771250 | 0.11925929562851617 | 107009386 | 0.002920614183823142 | 106697763 | -0.03381525531930943 | 110432051 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 0 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 Réserves | 1569551 | 0 | 1569551 | 0 | 1569551 | 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 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 8024459 | 0.016718510244740487 | 8158616 | 0.07685592752496256 | 8785654 | 0 | 0 | 0.15075165274799604 | 7634709 | 0.13149780153527948 | 6747436 | 0.22811683446993994 | 5494132 | 0.1704272894309376 | 4694125 12594010 | 0.010652445090959908 | 12728167 | 0.04926380994215428 | 13355205 | 0 | 0 | 0.09585125534788538 | 12187060 | 0.07180249873775583 | 11370621 | -0.007931144235269236 | 11461524 | 0.16448086299113526 | 9842604 136014829 | 0.02321535845183462 | 139172462.01 | 0.03276943530446645 | 143733065 | 0 | 0 | 0.08923087147751438 | 131958310 | 0.11470098156017172 | 118380007 | 0.0018679868980590582 | 118159287 | -0.017587811829516367 | 120274655 Hors-bilan Effets à l'encaissement | 1627113 | 0.0006041375122686623 | 1628096 | -0.0013408300247651245 | 1625913 | 0 | -0.0012469724062820382 | 1627943 | 1636081 | 1670693 | 1464704 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4841387 | 0.23111909872108963 | 5960324 | 0.3326800690700707 | 7943205 | 0 | 0.34834055524802937 | 5891097 | 4903500 | 3933127 | 4662878 Portefeuille brut | 18387281 | 0.006096768739217071 | 18499384 | -0.03943542120105188 | 17769853 | 0 | 0 | -0.06770251353049236 | 19060282 | -0.09119949878439003 | 20973010 | -0.10519719634561565 | 23438695 | -0.0863140585932172 | 25652901 Provisions pour créances douteuses | 4766683 | 0.017858749994493026 | 4851810 | -6.327535497061922e-05 | 4851503 | 0 | 0 | -0.0583745320503763 | 5152264 | -0.0036514149861558735 | 5171146 | 0.46486200913565384 | 3530125 | -0.024645748959889215 | 3619326 Portefeuille de crédit improductif | 7320328 | 0.0030270501540368136 | 7342487 | -0.05225559132757062 | 6958801 | 0 | 0 | -0.2477418367277445 | 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 | 10314528 | 0.07411328255441799 | 9817278 | 0.06830215441380869 | 0 | 0 | 10148667 | 0.07690813106048418 | 9038208 | 0.07634910851222872 | 5202458 | 0.04402919256043212 | 5858323 | 0.048707876151432336 Avoirs à la BRH | 47587817 | 0.34987227017724665 | 45908502 | 0.3298677147782296 | 48995118 | 0.34087576160711525 | 0 | 0 | 41968877 | 0.31804648756110926 | 35435329 | 0.2993354190330124 | 38537903 | 0.32615212887105566 | 38481853 | 0.3199498098690743 Avoirs à l'étranger | 2043055 | 0.015020825413087862 | 2783048 | 0.019997116958382185 | 2028512 | 0.014113050466154048 | 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 | 621491 | 0.004465617630591316 | 571801 | 0.0039782147552478615 | 0 | 0 | 1532116 | 0.011610606410464032 | 363315 | 0.0030690570917

509727 | 689028 | 0.0058313486608694235 | 544868 | 0.004530197987184837 59640671 | 0.4384865344351534 | 59627569 | 0.4284437319216211 | 61412709 | 0.4272691812423258 | 0 | 0 | 55978290 | 0.4242119348148669 | 46883499 | 0.3960423739511158 | 47276005 | 0.4001040138397949 | 49845849 | 0.4144335229988168 Bons B.R.H. | 10000000 | 0.07352139522963339 | 13000000 | 0.09340928379926196 | 16000000 | 0.11131746199108744 | 0 | 0 | 17300000 | 0.13110201244620365 | 14900000 | 0.12586584827791172 | 0 | 0 | 800000 | 0.006651442899468989 Bons du Trésor / M.E.F. | 29646100 | 0.2179622635117234 | 29678640 | 0.21325080819508677 | 29915000 | 0.2081288672164613 | 0 | 0 | 22368100 | 0 | 17455000 | 0 | 27300000 | 0 | 25800000 | 0 Autres Placements | 16446382 | 0.12091609511195282 | 16006695 | 0.11501337814947903 | 16134055 | 0.11225012838903839 | 0 | 0 | 16342723 | 0.12384762278328663 | 17040940 | 0.14395116567469776 | 17800872 | 0.15065148455434035 | 14979450 | 0.12454369542556344 Portefeuille net | 13620598 | 0.1001405368821954 | 13647574 | 0.0980623163798022 | 12918350 | 0.08987737094453527 | 0 | 0 | 13908018 | 0.10539706063225575 | 15801864 | 0.13348422931088558 | 19908570 | 0.1684892529901908 | 22033575 | 0.18319383247958432 Immobilisations | 2535677 | 0.01864265108916911 | 2544239 | 0.018281195600319263 | 2573329 | 0.01790352832175394 | 0 | 0 | 2579631 | 0.019548833264081664 | 2871245.9984100005 | 0.024254484107680153 | 2932656.99713 | 0.024819521779961586 | 2971280.00213 | 0.02470412409062724 Autres actifs | 4125401 | 0.030330523740172477 | 4667745 | 0.03353928595442969 | 4779622 | 0.03325346189479783 | 0 | 0 | 3481548 | 0.026383696487170833 | 3427458 | 0.028953014000464076 | 2941183 | 0.02489167863776496 | 3844501 | 0.03196434859806429 136014829 | 1 | 139172462 | 1 | 143733065 | 1 | 0 | 0 | 131958310 | 1 | 118380006.99841 | 1 | 118159286.99713 | 1 | 120274655.00213 | 1 PASSIF Dépôts À vue | 47548537 | 0.34958347813678464 | 48848389.01 | 0.35099177170552603 | 50605620 | 0.3520805738053384 | 0 | 0 | 46565137 | 0.3528776399152126 | 42842351 | 0.3619052920023516 | 42894374 | 0.36302160490391133 | 45584746 | 0.37900541888224676 Épargne | 45822592 | 0.3368940896878237 | 46052350 | 0.330901310059457 | 47656963 | 0.33156576046019753 | 0 | 0 | 43247076 | 0.32773287260196043 | 38039060 | 0.3213301043351933 | 37061115 | 0.3136538476311234 | 34124905 | 0.2837248213216298 À terme | 13398715 | 0.09850922210842172 | 14075286 | 0.1011355680407522 | 14044320 | 0.09771112861191682 | 0 | 0 | 13850243 | 0.10495923295774248 | 12261913 | 0.103580945050668 | 12252822 | 0.10369749438567288 | 12384406 | 0.10296771169105144 106769844 | 0.7849867899330301 | 108976025.00999999 | 0.7830286498057352 | 112306903 | 0.7813574628774528 | 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 | 7027281 | 0.050493329635858564 | 6238216 | 0.043401398279512095 | 0 | 0 | 5603309 | 0.042462721749013 | 4169893 | 0.03522463890423665 | 4774339 | 0.04040595641133113 | 4414910 | 0.0367069022141183 5486231 | 0.04033553576720668 | 7027281 | 0.050493329635858564 | 6238216 | 0.043401398279512095 | 0 | 0 | 5603309 | 0.042462721749013 | 4169893 | 0.03522463890423665 | 4774339 | 0.04040595641133113 | 4414910 | 0.0367069022141183 Obligations à terme Banques locales | 1915606 | 0.014083802583025709 | 1873894 | 0.013464545881210321 | 1832907 | 0.012752159706606132 | 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 | 0.05337744460201468

4 | 7345866 | 0.05278246784194994 | 8101086 | 0.05636202080572066 | 0 | 0 | 7233550 | 0.0548169342271813 | 6756640 | 0.05707585403412546 | 6513249 | 0.05512261596634551 | 6491592 | 0.05397306689331212 9175730 | 0.06746124718504039 | 9219760 | 0.06624701372316026 | 9933993 | 0.06911418051232679 | 0 | 0 | 9151678 | 0.06935279786471954 | 8800039 | 0.07433720628279905 | 8864418 | 0.07502091647028396 | 12603620 | 0.10479032344575669 Autres passifs | 1989014 | 0.0146235084411274 | 1221229 | 0.008774932788068375 | 1898748 | 0.013210238020040831 | 0 | 0 | 1353807 | 0.01025935388229813 | 896130 | 0.007569943799817787 | 850695 | 0.007199561046950653 | 1319464 | 0.010970424317381188 123420819 | 0.9074070813264045 | 126444295.00999999 | 0.9085439259528224 | 130377860 | 0.9070832796893324 | 0 | 0 | 119771250 | 0.9076446189709462 | 107009386 | 0.9039481303750664 | 106697763 | 0.9029993808492734 | 110432051 | 0.9181656018721842 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0.022056418568890013 | 3000000 | 0.02155598856906045 | 3000000 | 0.020872024123328895 | 0 | 0 | 3000000 | 0.022734453025353235 | 3000000 | 0.025342117102935244 | 3000000 | 0.02538945584592828 | 3000000 | 0.024942910873008713 Réserves | 1569551 | 0.01153955794040663 | 1569551 | 0.0112777411381858 | 1569551 | 0.01091990211159833 | 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 | 8158616 | 0.058622344411784565 | 8785654 | 0.061124794075740334 | 0 | 0 | 7634709 | 0.057856977707580526 | 6747436 | 0.05699810441885366 | 5494132 | 0.04649767394190055 | 4694125 | 0.03902838050058734 12594010 | 0.09259291867359551 | 12728167 | 0.09145607411903081 | 13355205 | 0.09291672031066756 | 0 | 0 | 12187060 | 0.0923553810290538 | 11370621 | 0.09605186963836489 | 11461524 | 0.09700061917501576 | 9842604 | 0.08183439811010634 136014829 | 1 | 139172462.01 | 1.0000000000718532 | 143733065 | 1 | 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) Juin 26 | Septembre 25 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 5902833 | 3914445 | 9817278 | 0.6012698224497667 | 5669310 | 4479357 | 10148667 | 0.55862607374939 Avoirs à la BRH | 17798399 | 31196719 | 48995118 | 0.363268826089979 | 14461131 | 27507746 | 41968877 | 0.3445679759313074 Avoirs à l'étranger | 2028512 | 0 | 2028512 | 1 | 2328630 | 0 | 2328630 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 184741 | 387060 | 571801 | 0.32308617858310845 | 1037775 | 494341 | 1532116 | 0.6773475376538068 25914485 | 35498224 | 61412709 | 0.4219726734412579 | 23496846 | 32481444 | 55978290 | 0.4197492635091211 Bons B.R.H. | 0 | 16000000 | 16000000 | 0 | 0 | 17300000 | 17300000 | 0 Bons du Trésor / M.E.F. | 0 | 29915000 | 29915000 | 0 | 0 | 22368100 | 22368100 | 0 Autres Placements | 16895879 | -761824 | 16134055 | 1.0472183837231248 | 17104548 | -761825 | 16342723 | 1.0466155487062958 Portefeuille net | 4089591 | 8828759 | 12918350 | 0.3165722402628819 | 4291385 | 9616633 | 13908018 | 0.3085547487787261 Immobilisations | 0 | 2573329 | 2573329 | 0 | 0 | 2579631 | 2579631 | 0 Autres actifs | 1968898 | 2810724 | 4779622 | 0.41193592296629317 | 192536 | 3289012 | 3481548 | 0.05530183699894415 48868853 | 94864212 | 143733065 | 0.3399972928984712 | 45085315 | 86872995 | 131958310 | 0.3416633253335845 PASSIF Dépôts À vue | 18455162 | 32150458 | 50605620 | 0.3

646860170866398 | 16820994 | 29744143 | 46565137 | 0.361235788912207 Épargne | 18141809 | 29515154 | 47656963 | 0.3806748868995282 | 16804238 | 26442838 | 43247076 | 0.3885635643898792 À terme | 7162984 | 6881336 | 14044320 | 0.5100271141643027 | 6806395 | 7043848 | 13850243 | 0.49142783993031747 43759955 | 68546948 | 112306903 | 0.3896461733968392 | 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 | 1610871 | 4627345 | 6238216 | 0.2582262300632104 | 1870469 | 3732840 | 5603309 | 0.33381507248663245 1610871 | 4627345 | 6238216 | 0.2582262300632104 | 1870469 | 3732840 | 5603309 | 0.33381507248663245 Obligations à terme Banques locales | 0 | 1832907 | 1832907 | 0 | 0 | 1918128 | 1918128 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3537628 | 4563458 | 8101086 | 0.43668564930677195 | 2761587 | 4471963 | 7233550 | 0.38177478554789834 3537628 | 6396365 | 9933993 | 0.3561133977042263 | 2761587 | 6390091 | 9151678 | 0.30175744819693173 Autres passifs | 0 | 1898748 | 1898748 | 0 | 0 | 1353807 | 1353807 | 0 48908454 | 81469406 | 130377860 | 0.37512852258811424 | 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 | 8785654 | 8785654 | 0 | 0 | 7634709 | 7634709 | 0 0 | 13355205 | 13355205 | 0 | 0 | 12187060 | 12187060 | 0 48908454 | 94824611 | 143733065 | 0.3402728105742405 | 45063683 | 86894627 | 131958310 | 0.3414993947709697 *Converties au taux de 130.5279 Gdes | *Converties au taux de 130.6911 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 | 0.11897153669475136 | 400951 | 0.0863721502128689 | 435582 | 0 | 0 | 447582 | -0.43512473691971526 | 252828 | 0.3724112835603651 | 346984 | 0.1381129965646831 | 394907 Intérêts sur bons B.R.H. | 326581 | -0.4340546449426023 | 184827 | -0.09287604083818922 | 167661 | 0 | 0 | 296546 | 0.16125660099950767 | 344366 | -0.15918818931021064 | 289547 | -0.0870670392026165 | 264337 Autres | 839019 | 0.35041399539223783 | 1133023 | 0.020061375629620935 | 1155753 | 0 | 0 | 783447 | -0.0311788800008169 | 759020 | 0.08756159257990567 | 825481 | 0.02073457777950068 | 842597 1523921 | 0.12788064473158386 | 1718801 | 0.023385487906977014 | 1758996 | 0 | 0 | 1527575 | -0.11217845277645942 | 1356214 | 0.07800981261069419 | 1462012 | 0.02724259445202912 | 1501841 Dépenses d'intérêt | 170545 | -0.059515083995426425 | 160395 | 0.0402007543876056 | 166843 | 0 | 0 | 168300 | -0.013297682709447416 | 166062 | 0.029175849983741012 | 170907 | 0.0557028091301117 | 180427 1353376 | 0.15149522379590002 | 1558406 | 0.02165481909078892 | 1592153 | 0 | 0 | 1359275 | -0.12442147468319509 | 1190152 | 0.08482361916797182 | 1291105 | 0.023475240201222984 | 1321414 AUTRES REVENUS Commissions | 264955 | -0.09420090203996904 | 239996 | 0.15341089018150303 | 276814 | 0 | 0 | 217710 | -0.5182720132286068 | 104877 | 1.1467719328356074 | 225147 | -0.2839344961291956 | 161220 Gains sur change | 55038 | -0.060576329081725354 | 51704 | 0.1697354169890144 | 60480 | 0 | 0 | 67594 | -0.15411131165488062 | 57177 | -0.08844465431904437 | 52120 | 0.0034151957022256333 | 52298 Autres | 9796 | 2.341976316864026 | 32738 | -0.6236178141609139 | 12322 | 0 | 0 | 13912 | -0.4394767107533065 | 7798 | 3.9380610412926393 | 38507 | 1.5142

181940945802 | 96815 329789 | -0.016225526018151 | 324438 | 0.0776049661260395 | 349616 | 0 | 0 | 299216 | -0.4323431902037324 | 169852 | 0.8591126392388668 | 315774 | -0.017230677636537524 | 310333 PRODUIT NET BANCAIRE | 1683165 | 0.11863305142395428 | 1882844 | 0.03129574197331271 | 1941769 | 0 | 0 | 1658491 | -0.17997504960834879 | 1360004 | 0.18152520139646647 | 1606879 | 0.015475963031441695 | 1631747 Dotation à la provision pour créances douteuses | 17200 | 3.941860465116279 | 85000 | 0 | 0 | 0 | 0 | 170000 | 0 | 0 | 0 | 30000 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1665965 | 0.07916072666592636 | 1797844 | 0.08005422049966515 | 1941769 | 0 | 0 | 1488491 | -0.08632030694172824 | 1360004 | 0.15946644274575664 | 1576879 | 0.03479531403487522 | 1631747 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 846246 | -0.006821893397428171 | 840473 | -0.05481199277073743 | 794405 | 0 | 0 | 774761 | 0.012167623305767844 | 784188 | -0.23465546527108294 | 600174 | 0.5826377017331641 | 949858 Frais de locaux | 36708 | 0.4915822164105917 | 54753 | -0.039102880207477216 | 52612 | 0 | 0 | 32044 | 0.10148545749594308 | 35296 | -0.0011616047144152313 | 35255 | -0.03633527159268189 | 33974 Amortissement | 55710 | 0.09289176090468497 | 60885 | -0.044411595631107824 | 58181 | 0 | 0 | 57395 | -0.033870546214827074 | 55451 | -0.010261311788786497 | 54882 | 0.015524215589810868 | 55734 Autres dépenses d'exploitation | 337552 | 0.008010617623358772 | 340256 | 0.20360258158562963 | 409533 | 0 | 0 | 244040 | 0.008207670873627275 | 246043 | 0.18685758180480647 | 292018 | -0.10750022258901848 | 260626 1276216 | 0.015789646893629293 | 1296367 | 0.014165741645691381 | 1314731 | 0 | 0 | 1108240 | 0.01149390023821555 | 1120978 | -0.12368574583979347 | 982329 | 0.3235809998483197 | 1300192 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 389749 | 0.2866665469314867 | 501477 | 0.25038237047760914 | 627038 | 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 | 0.2866665469314867 | 501477 | 0.25038237047760914 | 627038 | 0 | 0 | 380251 | -0.3713994177530105 | 239026 | 1.4873863094391404 | 594550 | -0.4423429484484064 | 331555 0 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 | 2025 | 2026 (oct.25- juin 26) | 2025 (oct.24-juin 25) | 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 | 400951 | 0.585864698530226 | 252828 | 435582 | 0.2553374218984161 | 346984 | 0 | 0 | 394907 | 1194854 | 0.14078751644557827 | 1047394 | 1442301 Intérêts sur bons B.R.H. | 326581 | 0.10128276894647036 | 296546 | 184827 | -0.4632832509597347 | 344366 | 167661 | -0.4209541110769581 | 289547 | 0 | 0 | 264337 | 679069 | -0.2701784818030671 | 930459 | 1194796 Autres | 839019 | 0.07093268593791284 | 783447 | 1133023 | 0.4927445917103634 | 759020 | 1155753 | 0.40009642862767286 | 825481 | 0 | 0 | 842597 | 3127795 | 0.32088838099485295 | 2367948 | 3210545 1523921 | -0.0023920265780730896 | 1527575 | 1718801 | 0.26735234999786167 | 1356214 | 1758996 | 0.20313376360795946 | 1462012 | 0 | 0 | 1501841 | 5001718 | 0.15093120922932274 | 4345801 | 5847642 Dépenses d'intérêt | 170545 | 0.013339275103980986 | 168300 | 160395 | -0.034125808432994904 | 166062 | 166843 | -0.023779014317728355 | 170907 | 0 | 0 | 180427 | 497783 | -0.01481587035816565 | 505269 | 685696 1353376 | -0.004339813503522098 | 1359275 | 1558406 | 0.30941762060644357 | 1190152 | 1592153 | 0.2331708110494499 | 1291105 | 0 | 0 | 1321414 | 4503935 | 0.17273726660785538 | 3840532 | 5161946 AUTRES REVENUS Commissions | 264955 | 0.2170088650039043 | 217710 | 239996 | 1.2883568370567426

| 104877 | 276814 | 0.2294811834046201 | 225147 | 0 | 0 | 161220 | 781765 | 0.4272712667097533 | 547734 | 708954 Gains sur change | 55038 | -0.18575613220108295 | 67594 | 51704 | -0.0957203071164979 | 57177 | 60480 | 0.16039907904834996 | 52120 | 0 | 0 | 52298 | 167222 | -0.054660779802251105 | 176891 | 229189 Autres | 9796 | -0.29585968947671076 | 13912 | 32738 | 3.1982559630674534 | 7798 | 12322 | -0.6800062326330277 | 38507 | 0 | 0 | 96815 | 54856 | -0.08902801534450404 | 60217 | 157032 329789 | 0.10217702261911128 | 299216 | 324438 | 0.9101217530556014 | 169852 | 349616 | 0.10717158474098565 | 315774 | 0 | 0 | 310333 | 1003843 | 0.27903832873368145 | 784842 | 1095175 PRODUIT NET BANCAIRE | 1683165 | 0.014877379497386479 | 1658491 | 1882844 | 0.3844400457645713 | 1360004 | 1941769 | 0.20841021632618262 | 1606879 | 0 | 0 | 1631747 | 5507778 | 0.19077462708961482 | 4625374 | 6257121 Dotation à la provision pour créances douteuses | 17200 | -0.8988235294117647 | 170000 | 85000 | 0 | 0 | 0 | 0 | 30000 | 0 | 0 | 0 | 102200 | -0.489 | 200000 | 200000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1665965 | 0.11923081832540472 | 1488491 | 1797844 | 0.32194022958756 | 1360004 | 1941769 | 0.23140012645231497 | 1576879 | 0 | 0 | 1631747 | 5405578 | 0.2214963074307392 | 4425374 | 6057121 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 846246 | 0.09226716368015427 | 774761 | 840473 | 0.0717748805133463 | 784188 | 794405 | 0.3236244822334856 | 600174 | 0 | 0 | 949858 | 2481124 | 0.14913508864478772 | 2159123 | 3108981 Frais de locaux | 36708 | 0.14554986893022095 | 32044 | 54753 | 0.5512522665457842 | 35296 | 52612 | 0.4923273294568146 | 35255 | 0 | 0 | 33974 | 144073 | 0.40428870802670697 | 102595 | 136569 Amortissement | 55710 | -0.02935795801027964 | 57395 | 60885 | 0.09799642927990478 | 55451 | 58181 | 0.06011078313472541 | 54882 | 0 | 0 | 55734 | 174776 | 0.04202041400362492 | 167728 | 223462 Autres dépenses d'exploitation | 337552 | 0.3831830847402065 | 244040 | 340256 | 0.3829127428945347 | 246043 | 409533 | 0.4024238231889815 | 292018 | 0 | 0 | 260626 | 1087341 | 0.39028207354293115 | 782101 | 1042727 1276216 | 0.1515700570273587 | 1108240 | 1296367 | 0.15646069771217633 | 1120978 | 1314731 | 0.338381540196818 | 982329 | 0 | 0 | 1300192 | 3887314 | 0.2104179076314312 | 3211547 | 4511739 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 389749 | 0.02497823805854554 | 380251 | 501477 | 1.0980018910076728 | 239026 | 627038 | 0.054643007316457826 | 594550 | 0 | 0 | 331555 | 1518264 | 0.2508075697772417 | 1213827 | 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 | 501477 | 1.0980018910076728 | 239026 | 627038 | 0.054643007316457826 | 594550 | 0 | 0 | 331555 | 1518264 | 0.2508075697772417 | 1213827 | 1545382 [BNCVARAN ] BANQUE NATIONALE DE CRÉDIT (BNC) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Juin) | ANNÉE 2026 | Var. | 2025 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1194854 | 0.14078751644557827 | 1047394 | 1442301 | -0.2811544781657615 | 2006413 | -0.08309825235016244 | 2188253 | 0.04319858245680902 | 2097638.0114 Intérêts sur Bons B.R.H. | 679069 | -0.2701784818030671 | 930459 | 1194796 | 2.328141103850161 | 358998 | 69.96224550306384 | 5059 | -0.9587777551436137 | 122725 Autres | 3127795 | 0.32088838099485295 | 2367948 | 3210545 | -0.21321664776419916 | 4080596 | 0.027577615476684823 | 3971083 | 0.6536298728176582 | 2401434 5001718 | 0.15093120922932274 | 4345801 | 5847642 | -0.09282723397601027 | 6446007 | 0.045683639675913046 | 6164395 | 0.3337658457944105 | 4621797.0114 Dépenses d'intérêt | 497783 | -0.01481587035816565 | 505269 | 685696 | 0.04822281094120471 | 654151 | 0.05426095477233059 | 620483 | 0.214647028193111

66 | 510834 4503935 | 0.17273726660785538 | 3840532 | 5161946 | -0.10875788348329102 | 5791856 | 0.044723653622207565 | 5543912 | 0.34856771628115546 | 4110963.0114 AUTRES REVENUS Commissions | 781765 | 0.4272712667097533 | 547734 | 708954 | -0.1891839962670308 | 874371 | -0.08004524172760272 | 950450 | 0.22976219896412475 | 772873 Gains sur change | 167222 | -0.054660779802251105 | 176891 | 229189 | -0.031015748863756475 | 236525 | 2.7641113995047584 | -134076 | -1.4662150884611105 | 287584 Autres | 54856 | -0.08902801534450404 | 60217 | 157032 | 0.9675729858413733 | 79810 | -0.5396736591358715 | 173377 | -0.5194530905704411 | 360791 1003843 | 0.27903832873368145 | 784842 | 1095175 | -0.08023055229418513 | 1190706 | 0.20303591509379632 | 989751 | -0.3036042970684919 | 1421248 PRODUIT NET BANCAIRE | 5507778 | 0.19077462708961482 | 4625374 | 6257121 | -0.10389324147784151 | 6982562 | 0.06870556378558246 | 6533663 | 0.18102201570698384 | 5532211.0114 Dotation à la provision pour créances douteuses | 102200 | -0.489 | 200000 | 200000 | -0.801980198019802 | 1010000 | 0.578125 | 640000 | 0.4883720930232558 | 430000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 5405578 | 0.2214963074307392 | 4425374 | 6057121 | 0.014157910792721783 | 5972562 | 0.01338709050721088 | 5893663 | 0.15511941525578588 | 5102211.0114 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 2481124 | 0.14913508864478772 | 2159123 | 3108981 | 0.12170724236204342 | 2771651 | -0.009528591312986565 | 2798315 | 0.19603080437053463 | 2339668 Frais de locaux | 144073 | 0.40428870802670697 | 102595 | 136569 | -0.34352873314586485 | 208035 | 0.5715224584145402 | 132378 | 0.19713507989762974 | 110579 Amortissement | 174776 | 0.04202041400362492 | 167728 | 223462 | -0.009274940812399692 | 225554 | 0.28345282804142485 | 175740 | 0.14145048778269964 | 153962 Autres dépenses d'exploitation | 1087341 | 0.39028207354293115 | 782101 | 1042727 | -0.22889822637133797 | 1352256 | 0.11080936550456273 | 1217361 | 0.22244514937625584 | 995841 3887314 | 0.2104179076314312 | 3211547 | 4511739 | -0.010039942986236302 | 4557496 | 0.05405021608337492 | 4323794 | 0.2010372078165581 | 3600050 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1518264 | 0.2508075697772417 | 1213827 | 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) | 1518264 | 0.2508075697772417 | 1213827 | 1545382 | 0.09209181762546764 | 1415066 | -0.09860886481610887 | 1569869 | 0.045073722514536965 | 1502161.0114000002 [bphinfin ] BANQUE POPULAIRE HAÏTIENNE (BPH) INDICATEURS FINANCIERS Var. juin 26 | 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 | 0.034734623314384726 | 7778399.918489999 | -0.01716928900538252 | 7644850.3222900005 | 0 | 0 | 0.04195097406306932 | 7337053.76989 | 0.3452499081121718 | 5454045.17454032 | -0.051482450145325584 | 5750073.0222397605 | 0.016828578224885152 | 5654908.94470912 Bons B.R.H. | 0 | 500000 | -0.2 | 400000 | 0 | 0 | -0.6 | 1000000 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 177079.21088999975 | 0.07097012476414842 | 189646.54458 | 0.11205519487351213 | 210897.4250900001 | 0 | 0 | 0.16905564449721186 | 180399.81764999987 | 0.02879966101983289 | 175349.8027703201 | -0.4165284151858363 | 300528.43588976003 | -0.031118619063072128 | 310180.8351391199 Dépôts | 4580163.814689999 | -0.017837867636515844 | 4498463.45881 | 0.011458239074734028 | 4550007.92859 | 0 | 0 | 0.02050221199211052 | 4458596.83117 | -0.02846402048276871 | 4589224.614600001 | -0.06199923008427165 | 4892559.53917 | 0.043037608469738725 | 4690683.72937 Avoir des Actionnaires | 1441734.5793 | 0.012002103562225377 | 1459038.4270300001 |

-0.004069928282894864 | 1453100.2452700003 | 0 | 0 | 0.008832345382277593 | 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 - juin 26) | (oct. 24- juin 25) Résultats Revenus nets d'intérêt | 81760.77957 | 0.8414150670593155 | 44401.059290000005 | 98000.577751 | 0.16011883937549087 | 84474.60245 | 79652.51310000001 | 0.09690394820483436 | 72615.75932000001 | 0 | 0 | 83494.30692 | 259413.87042099997 | 0.28746856345686217 | 201491.42106000002 Autres revenus | 6815.27887 | 1.6310270817194343 | 2590.34919 | 7104.3087000000005 | -0.21368725458761337 | 9034.96572 | 4414.28567 | -0.5884219470387179 | 10725.26982 | 0 | 0 | 11017.04724 | 18333.87324 | -0.17971393314862943 | 22350.58473 Dot. à la prov. pr créances douteuses | 1352.37 | 0 | 0 | 1000 | 0 | 0 | 4000 | 0 | 0 | 0 | 0 | 0 | 6352.37 | 0 | 0 Dépenses d'exploitation | 81341.67538999999 | 0.290782862862247 | 63017.31897 | 86801.03872000001 | 0.21932246166941968 | 71187.92727 | 86004.98053 | 0.14018686280074177 | 75430.60119 | 0 | 0 | 83552.01217999999 | 254147.69464 | 0.21232936902579616 | 209635.84743000002 Bénéfice (perte) net | 5882.013050000009 | 1.3670314428419106 | -16025.910489999995 | 17303.847730999987 | -0.22479499564926803 | 22321.640900000013 | -5938.181759999992 | -1.7506776874189194 | 7910.427950000012 | 0 | 0 | 10959.341980000012 | 17247.67902099999 | 0.21409874393375322 | 14206.158360000001 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 - juin 26) | (oct. 24- juin 25) | 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 | 0.1875756508175578 | 0.19254552562714017 | 0.19007569592738957 | 0.19433060887872722 | 0 | 0.19631562907730946 | 0.19007569592738957 | 0.19433060887872722 | 0.19631562907730946 | -0.10344990964757711 | -0.06686489273143852 | -0.062068107649796 Dépôts en % de l'actif | 0.6092839310364813 | 0.6324273845125151 | 0.5783276131273121 | 0.6090773210857073 | 0.5951729251419867 | 0.6046213800923842 | 0 | 0.6076821802052631 | 0.5951729251419867 | 0.6046213800923842 | 0.6076821802052631 | 0.8414350207480251 | 0.850869114226354 | 0.8294888167489815 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.9293905108456689 | 0.9322462463523669 | 0.7531110401049378 | 0.9366233034999992 | 0.6935681782172353 | 0.9384780706624658 | 0 | 0.9250315736720122 | 0.6935681782172353 | 0.9384780706624658 | 0.9250315736720122 | 0.9382284066400062 | 0.9078580468580435 | 0.8837942060835163 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.9304866174447753 | 0.9316074566646522 | 0.8109123890419626 | 0.9312617297851608 | 0.848395183640522 | 0.9278262060918698 | 0 | 0.9323675044596575 | 0.848395183640522 | 0.9278262060918698 | 0.9323675044596575 | 0.9232978904696956 | 0.864907141465704 | 0.8711693742290048 Prêts improductifs nets en % de l'avoir des actionnaires | 0.058684773999377375 | 0.0595 | 0.0475470721769863 | 0.05887034534727243 | 0.03707861406393324 | 0.06172538810389067 | 0 | 0.05697339300691059 | 0.03707861406393324 | 0.06172538810389067 | 0.05697339300691059 | NA | N/A | N/A R

entabilité ROA (rendement de l'actif) | 0.003167834682064798 | -0.009851268315057438 | 0.009050313216803146 | 0.011948597774023717 | -0.0030801195168572615 | 0.004292555343936115 | 0 | 0.005966382972443465 | 0.003069957626192101 | 0.0029568950814599804 | 0.003934845700018265 | -0.00687979387098508 | -0.013153830039779876 | -0.008179240704489846 ROE (rendement avoir des action.) | 0.016326946909946932 | -0.1534717185681187 | 0.04772203186733999 | 0.0632896087288983 | -0.016312909317082843 | 0.022191039506586806 | 0 | 0.03054643849484893 | 0.015895680435594823 | 0.043764484815349246 | 0.05744512922654211 | -0.08125028551912283 | -0.2039780027757108 | -0.12442656964191413 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8841096792372047 | 0.7077346710389653 | 0.9023714328499121 | 0.8892256465741318 | 0.8818402880167926 | 0.8725235529682916 | 0 | 0.8870304204862767 | 0.89021216039524 | 0.8362034915946354 | 0.8504810434401344 | 0.5435420977459703 | 0.8248298888818657 | 0.8040760696012017 Rendement moyen des prêts | 0.008737501413220288 | 0.012147547117744042 | 0.04950549608952744 | 0.009906442898541529 | 0.03886896666979281 | 0.00820212071200514 | 0 | 0.009571375782773844 | 0.027539557546265414 | 0.010066776217594142 | 0.009910425552433912 | 0.033756721476318904 | 0.02563961706888353 | 0.0184541692292859 Rendement moyen des prêts productifs | 0.12003596530949 | 0.18758929080732253 | 0.41810701603993866 | 0.1510828752261323 | 0.14011251333023408 | 0.13134255058904115 | 0 | 0.14020387181840321 | 0.19672741588754847 | 0.16329669782835718 | 0.1449499387013058 | 0.43585208442128304 | 0.24665174140256527 | 0.1382750432870205 Rémunération moyenne des dépôts | 0.009485651053197276 | 0.015654020735884212 | 0.009343078850653072 | 0.00907256330499974 | 0.009436126181367516 | 0.00948671322924105 | 0 | 0.00955051229324159 | 0.009470329923351293 | 0.011645333892444876 | 0.011074922735886538 | 0.023476402361626635 | 0.008833825763133048 | 0.009276072555108485 Dépenses d'exploitation en % du produit net bancaire | 0.918325751027853 | 1.3410391603141834 | 0.8258516007290179 | 0.7612903006950117 | 1.0230552582988524 | 0.9050836300963873 | 0 | 0.8840420595239092 | 0.9150306363971598 | 0.9365348862477239 | 0.9209510452663281 | 1.1789099687829194 | 1.1955920043491077 | 1.0354164764976057 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 2315.7139461437905 | 1347.4238990681006 | 2677.831501936306 | 2615.652256503497 | 2169.4657747096776 | 2267.7831058503407 | 0 | 2571.7375281632653 | 2452.5187078233994 | 2079.83280641115 | 2218.490313240418 | 1625.820870188679 | 2144.556142795699 | 1638.5794736398464 [bphvar] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var. juin 26 | 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 | 1.519186491960779 | 233044.77489 | 0.15141729187730515 | 268331.78359 | 0 | 0 | 2.5544801354922 | 75491.14732999999 | -0.7351318450417419 | 285014.05668 | -0.39785123242982184 | 473328.30694 | -0.33419587564406544 | 710912.24825 Avoirs à la BRH | 1798776.4437 | 0.3841389909513635 | 2489756.61173 | -0.08914670638660387 | 2267803.01009 | 0 | 0 | 0.08321978723909398 | 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 | 0 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 17271.69085 | 2.145976269601885 | 54336.32955 | -0.5892550386668509 | 22318.37358 | 0 | 0 | -0.4343811492897907 | 39458.327020000004 | 0.7306561809099101 | 22799.633719999998 | 2.4895692436523054 | 6533.65276 | -0.8830463642081198 | 55865.324029999996

1908556.0832999998 | 0.455098826002626 | 2777137.71617 | -0.07874458210577748 | 2558453.16726 | 0 | 0 | 0.15844400798207964 | 2208525.53048 | 0.026829934392998064 | 2150819.1926499996 | 0.07075562278707372 | 2008692.87714 | -0.11531380896063452 | 2270514.55927 Bons B.R.H. | 0 | 0 | 500000 | -0.2 | 400000 | 0 | 0 | -0.6 | 1000000 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 3799000 | -0.39740458015267177 | 2289260 | 0.15972191887334772 | 2654905 | 0 | 0 | 0.14221493511298652 | 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 | 0 Portefeuille net | 177079.21088999975 | 0.07097012476414842 | 189646.54458 | 0.11205519487351213 | 210897.4250900001 | 0 | 0 | 0.16905564449721186 | 180399.81764999987 | 0.02879966101983289 | 175349.8027703201 | -0.4165284151858363 | 300528.43588976003 | -0.031118619063072128 | 310180.8351391199 Immobilisations | 394783.01217999996 | 0.011108081970863892 | 399168.29423999996 | -0.007877622008999783 | 396023.79730000003 | 0 | 0 | 0.01604153871348172 | 389771.26644 | 0.10915024021437258 | 351414.31007999997 | 0.19615070713625063 | 293787.65399999986 | 0.1920960696066227 | 246446.29027 Autres actifs | 1237871.3863000001 | 0.3112730300291616 | 1623187.3635 | -0.12236198686991563 | 1424570.93264 | 0 | 0 | 0.15442492991114307 | 1234009.1553200001 | -0.006163283185877839 | 1241661.86904 | -0.008308030349338181 | 1252064.0552100001 | 0.12518052982278138 | 1112767.26003 7517289.69267 | 0.034734623314384726 | 7778399.918489999 | -0.01716928900538252 | 7644850.3222900005 | 0 | 0 | 0.04195097406306932 | 7337053.76989 | 0.3452499081121718 | 5454045.17454032 | -0.051482450145325584 | 5750073.0222397605 | 0.016828578224885152 | 5654908.94470912 PASSIF Dépôts | 0 à vue | 1714858.3806499997 | -0.04843726701123599 | 1631795.32738 | 0.012025289385713877 | 1651418.1384100001 | 0 | 0 | 0.006403332563896044 | 1640910.8405900002 | -0.13574328830607643 | 1898638.2383700002 | -0.14349878217693338 | 2216737.34825 | 0.054434094820035486 | 2102300.52228 Épargne | 681403.17602 | -0.015299710328462045 | 670977.90481 | 0.0037639039406449125 | 673503.40119 | 0 | 0 | 0.02336599781241504 | 658125.63895 | 0.1679885010457931 | 563469.27933 | -0.03752630740521581 | 585438.6293 | 0.00017922779124967338 | 585333.72123 À terme | 2183902.25802 | 0.005397663085291934 | 2195690.2266200003 | 0.013388119149781618 | 2225086.38899 | 0 | 0 | 0.030342304307699262 | 2159560.3516300004 | 0.015252218496707132 | 2127117.0969000002 | 0.01757262923151411 | 2090383.56162 | 0.04360055823708403 | 2003049.48586 4580163.814689999 | -0.017837867636515844 | 4498463.45881 | 0.011458239074734028 | 4550007.92859 | 0 | 0 | 0.02050221199211052 | 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 | 0.9387916150449119 | 719659.91827 | -0.2613650672697759 | 531565.9553200001 | 0 | 0 | 0.48326744995486765 | 358374.98850000004 | -0.011765793113821667 | 362641.75638000004 | 0.23876204511382815 | 292745.29181 | -0.1320641165982629 | 337289.07562 371189.92711 | 0.9387916150449119 | 719659.91827 | -0.2613650672697759 | 531565.9553200001 | 0 | 0 | 0.48326744995486765 | 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 | 0 Banque à l'étranger | 0 | 0 | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1047383.3027400001 | 0.012267234379608414 | 1060231.7992 | 0.010339960288185943 | 1071194.5539 | 0 |

0 | 0.017655447627970146 | 1052610.24878 | 0.013193387126593787 | 1038903.5915099999 | 0.14080895963919626 | 910672.71407 | -0.045122881159008976 | 953706.70854 1047383.3027400001 | 0.012267234379608414 | 1060231.7992 | 0.010339960288185943 | 1071194.5539 | 0 | 0 | 0.017655447627970146 | 1052610.24878 | 0.013193387126593787 | 1038903.5915099999 | 0.14080895963919626 | 910672.71407 | -0.045122881159008976 | 953706.70854 Autres passifs | 76818.06883 | -0.46618919474859705 | 41006.31518 | -0.049374735601395645 | 38981.63921 | 0 | 0 | 0.4387886030011521 | 27093.375030000003 | -0.014632009845373379 | 27495.69227 | -0.2871868706382453 | 38573.493019999994 | 0.5927002436384845 | 24218.928310000003 6075555.113369999 | 0.04012907027268588 | 6319361.49146 | -0.020193719668111364 | 6191750.077019999 | 0 | 0 | 0.050040846976963135 | 5896675.44348 | -0.02020353009572326 | 6018265.654760001 | -0.01895580990171096 | 6134551.03807 | 0.021421040911005582 | 6005898.44184 AVOIR DES ACTIONNAIRES Capital versé | 165000 | 0 | 165000 | 0 | 165000 | 0 | 0 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 Réserves | 58117.833620000005 | 0 | 58117.833620000005 | 0 | 58117.833620000005 | 0 | 0 | 0 | 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 | 0 Surplus d'apport | 2014325 | 0 | 2014325 | 0 | 2014325 | 0 | 0 | 0 | 2014325 | 36.43957065895661 | 53802.03257 | -0.7753587642130965 | 239502.03257 | 1.2957300030673378 | 104325 BNR | -795708.2543200001 | 0.02174647257465946 | -778404.40659 | -0.0076286589717723665 | -784342.58835 | 0 | 0 | 0.01596096519782454 | -797064.50721 | -0.052400101448463916 | -841140.3467100001 | -0.1811898132076098 | -1027271.47302 | 0.19644116933904673 | -858605.92175 1441734.5793 | 0.012002103562225377 | 1459038.4270300001 | -0.004069928282894864 | 1453100.2452700003 | 0 | 0 | 0.008832345382277593 | 1440378.3264100002 | -3.552864307730394 | -564220.4805200001 | 0.46749737901652766 | -384478.01583000005 | 0.09541174016268797 | -350989.49713 7517289.69267 | 0.03473462331438485 | 7778399.91849 | -0.017169289005382758 | 7644850.32229 | 0 | 0 | 0.0419509740630692 | 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 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 236218.17043 | 3.6097192610308637 | 1088899.4500366421 | -0.033089590269725765 | 1052868.21339 | 0 | 3.9651262621063124 | 212052.65643 | 296906.431453107 | 248905.123197079 | 224784.359406334 Portefeuille brut | 1309616.37089 | -0.6280159441662032 | 487156.40923 | 0.051837112889297 | 512409.19101000007 | 0 | 0 | -0.6093568457707644 | 1311706.5676499999 | 0.00041164534255739795 | 1311166.83193032 | -0.06291160133473502 | 1399192.2574197599 | 0.03780087659373862 | 1348228.0550891198 Provisions pour créances douteuses | 1132537.1600000001 | -0.737306752345327 | 297509.86465 | 0.013451322949267366 | 301511.76592 | 0 | 0 | -0.7334836321625413 | 1131306.75 | -0.003970955747454783 | 1135817.02916 | 0.033816720731060845 | 1098663.8215299998 | 0.058394840249097385 | 1038047.2199499999 Portefeuille de crédit improductif | 1217145.027953308 | -0.6985709495392473 | 366882.870048992 | -0.03132378717186856 | 355390.70911057305 | 0 | 0 | -0.707104418353755 | 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 | 233044.77489 |

0.029960503102447886 | 268331.78359 | 0.035099677858653186 | 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 | 2489756.61173 | 0.32008596084287344 | 2267803.01009 | 0.2966445272941176 | 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 | 54336.32955 | 0.006985540743519417 | 22318.37358 | 0.002919399679405963 | 0 | 0 | 39458.327020000004 | 0.005377952548464365 | 22799.633719999998 | 0.0041803162589172365 | 6533.65276 | 0.0011362730064000163 | 55865.324029999996 | 0.009879084628280186 1908556.0832999998 | 0.2538888564000673 | 2777137.71617 | 0.3570320046888408 | 2558453.16726 | 0.3346636048321768 | 0 | 0 | 2208525.53048 | 0.3010098603261444 | 2150819.1926499996 | 0.3943530212566081 | 2008692.87714 | 0.3493334553093339 | 2270514.55927 | 0.4015121342306232 Bons B.R.H. | 0 | 0 | 500000 | 0.06428057251356442 | 400000 | 0.05232280334301964 | 0 | 0 | 1000000 | 0.13629448977242434 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 3799000 | 0.5053683116275737 | 2289260 | 0.29430988686480497 | 2654905 | 0.3472801805234989 | 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 | 189646.54458 | 0.024381176921643235 | 210897.4250900001 | 0.027586861246333225 | 0 | 0 | 180399.81764999987 | 0.02458750110164512 | 175349.8027703201 | 0.032150412612799634 | 300528.43588976003 | 0.052265151195018844 | 310180.8351391199 | 0.05485160560000407 Immobilisations | 394783.01217999996 | 0.05251666868245708 | 399168.29423999996 | 0.05131753296602028 | 396023.79730000003 | 0.05180268816320943 | 0 | 0 | 389771.26644 | 0.053123675887391454 | 351414.31007999997 | 0.06443186640998404 | 293787.65399999986 | 0.05109285618873134 | 246446.29027 | 0.043580947576632785 Autres actifs | 1237871.3863000001 | 0.16466990589800345 | 1623187.3635 | 0.20867882604512641 | 1424570.93264 | 0.186343861891762 | 0 | 0 | 1234009.1553200001 | 0.16818864819883975 | 1241661.86904 | 0.22765888974226367 | 1252064.0552100001 | 0.21774750518251643 | 1112767.26003 | 0.19677898811635755 7517289.69267 | 1 | 7778399.918489999 | 1 | 7644850.3222900005 | 1 | 0 | 0 | 7337053.76989 | 1 | 5454045.17454032 | 1 | 5750073.0222397605 | 1 | 5654908.94470912 | 1 PASSIF Dépôts À vue | 1714858.3806499997 | 0.22812189642260738 | 1631795.32738 | 0.20978547573789136 | 1651418.1384100001 | 0.21601706623280506 | 0 | 0 | 1640910.8405900002 | 0.22364710578025399 | 1898638.2383700002 | 0.3481156055019331 | 2216737.34825 | 0.38551464297518423 | 2102300.52228 | 0.37176558328971276 Épargne | 681403.17602 | 0.09064479405182779 | 670977.90481 | 0.08626168773027747 | 673503.40119 | 0.08809896502829807 | 0 | 0 | 658125.63895 | 0.08969889816684101 | 563469.27933 | 0.1033121767968287 | 585438.6293 | 0.1018141208008452 | 585333.72123 | 0.1035089560155789 À terme | 2183902.25802 | 0.29051724056204614 | 2195690.2266200003 | 0.2822804496591433 | 2225086.38899 | 0.2910568938808837 | 0 | 0 | 2159560.3516300004 | 0.29433617625816816 | 2127117.0969000002 | 0.3900072384492632 | 2090383.56162 | 0.3635403504503247 | 2003049.48586 | 0.3542142774436899 4580163.814689999 | 0.6092839310364813 | 4498463.45881 | 0.5783276131273121 | 4550007.92859 | 0.5951729251419867 | 0 | 0 | 4458596.83117 | 0.6076821802052631 | 4589224.614600001 | 0.8414350207480251 | 4892559.53917 | 0.850869114226354 | 469068

3.72937 | 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 | 719659.91827 | 0 | 531565.9553200001 | 0.06953255236013182 | 0 | 0 | 358374.98850000004 | 0.048844536204805944 | 362641.75638000004 | 0.06649042037143822 | 292745.29181 | 0.05091157811000638 | 337289.07562 | 0.059645359265347045 371189.92711 | 0.04937815918840296 | 719659.91827 | 0 | 531565.9553200001 | 0.06953255236013182 | 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 | 1060231.7992 | 0.13630461409932496 | 1071194.5539 | 0.14011975496455836 | 0 | 0 | 1052610.24878 | 0.14346497678669473 | 1038903.5915099999 | 0.19048312917532098 | 910672.71407 | 0.1583758520192281 | 953706.70854 | 0.168651116731475 1047383.3027400001 | 0.13932991085354718 | 1060231.7992 | 0.13630461409932496 | 1071194.5539 | 0.14011975496455836 | 0 | 0 | 1052610.24878 | 0.14346497678669473 | 1038903.5915099999 | 0.19048312917532098 | 910672.71407 | 0.1583758520192281 | 953706.70854 | 0.168651116731475 Autres passifs | 76818.06883 | 0.010218851736537997 | 41006.31518 | 0.005271818832884135 | 38981.63921 | 0.005099071605933434 | 0 | 0 | 27093.375030000003 | 0.0036926777259267923 | 27495.69227 | 0.005041339297729121 | 38573.493019999994 | 0.006708348375891564 | 24218.928310000003 | 0.00428281490414799 6075555.113369999 | 0.8082108528149694 | 6319361.49146 | 0.8124243491824423 | 6191750.077019999 | 0.8099243040726103 | 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 | 165000 | 0.02121258892947626 | 165000 | 0.0215831563789956 | 0 | 0 | 165000 | 0.022488590812450016 | 165000 | 0.030252774724020614 | 165000 | 0.028695287757533456 | 165000 | 0.0291781886522467 Réserves | 58117.833620000005 | 0.007731221756249445 | 58117.833620000005 | 0.007471695236683365 | 58117.833620000005 | 0.007602219948053988 | 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 | 2014325 | 0.2589639284567713 | 2014325 | 0.2634878271098201 | 0 | 0 | 2014325 | 0.27454139811083866 | 53802.03257 | 0.009864610733543212 | 239502.03257 | 0.04165199844309273 | 104325 | 0.01844857291603416 BNR | -795708.2543200001 | -0.10585041775041391 | -778404.40659 | -0.10007256180537316 | -784342.58835 | -0.10259750750948014 | 0 | 0 | -797064.50721 | -0.10863550032589578 | -841140.3467100001 | -0.15422320860789226 | -1027271.47302 | -0.17865363953584343 | -858605.92175 | -0.1518337306833798 1441734.5793 | 0.1917891471850306 | 1459038.4270300001 | 0.1875756508175578 | 1453100.2452700003 | 0.19007569592738957 | 0 | 0 | 1440378.3264100002 | 0.19631562907730946 | -564220.4805200001 | -0.10344990964757711 | -384478.01583000005 | -0.06686489273143852 | -350989.49713 | -0.062068107649796 7517289.69267 | 1 | 7778399.91849 | 1.0000000000000002 | 7644850.32229 | 0.9999999999999999 | 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) Juin 26 | S

eptembre 25 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 9731.98924 | 258599.79435 | 268331.78359 | 0.03626849234852507 | 18998.29598 | 56492.85135 | 285014.05668 | 0.06665739999389002 Avoirs à la BRH | 1119518.32373 | 1148284.68636 | 2267803.01009 | 0.4936576584249136 | 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 | 3894.96297 | 18423.41061 | 22318.37358 | 0.1745182262515027 | 538.70479 | 38919.62223 | 22799.633719999998 | 0.023627782648431076 1133145.27594 | 1425307.89132 | 2558453.16726 | 0.4429024890666859 | 881674.11085 | 1326851.41963 | 2208525.53048 | 0.399213909317307 Bons B.R.H. | 0 | 400000 | 400000 | 0 | 0 | 1000000 | 0 | 0 Bons du Trésor / M.E.F. | 2654905 | 2654905 | 0 | 2324348 | 2324348 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 230007.93377 | -19110.50867999997 | 210897.42509000003 | 1.0906151825791357 | 627312.1111599999 | -446912.29351000005 | 180399.8176499998 | 3.4773433772370583 Immobilisations | 0 | 396023.79730000003 | 396023.79730000003 | 0 | 0 | 389771.26644 | 389771.26644 | 0 Autres actifs | 1371230.8137599998 | 53340.11888 | 1424570.9326399998 | 0.9625570635635878 | 1181331.55041 | 52677.60491 | 1234009.15532 | 0.9573118200275105 2734384.02347 | 4910466.298819999 | 7644850.32229 | 0.35767659381078903 | 2690317.77242 | 4646735.997470001 | 7337053.769890001 | 0.36667548811766904 PASSIF Dépôts À vue | 913267.2389700001 | 738150.8994400001 | 1651418.1384100001 | 0.5530199879294664 | 923264.5811300001 | 717646.2594600001 | 1640910.8405900002 | 0.56265371541944 Épargne | 246820.09046 | 426683.31073 | 673503.40119 | 0.36647192875922885 | 253450.61465 | 404675.0243 | 658125.63895 | 0.38510977182770945 À terme | 1430904.09195 | 794182.29704 | 2225086.38899 | 0.6430779941984675 | 1374058.53979 | 785501.8118400001 | 2159560.3516300004 | 0.6362677193776425 2590991.42138 | 1959016.50721 | 4550007.92859 | 0.5694476717500845 | 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 | 33852.56359 | 497713.39173000003 | 531565.9553200001 | 0.06368459689940249 | 63162.12647 | 295212.86203 | 358374.98850000004 | 0.17624591139679938 33852.56359 | 497713.39173000003 | 531565.9553200001 | 0.06368459689940249 | 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 | 23573.33874 | 1047621.21516 | 1071194.5539 | 0.02200658942315782 | 16310.24928 | 1036299.9995 | 1052610.24878 | 0.015495050802425648 23573.33874 | 1047621.21516 | 1071194.5539 | 0.02200658942315782 | 16310.24928 | 1036299.9995 | 1052610.24878 | 0.015495050802425648 Autres passifs | 4971.14071 | 34010.4985 | 38981.63921 | 0.1275251839261995 | 4972.43302 | 22120.942010000002 | 27093.375030000003 | 0.18352947960503685 2653388.46442 | 3538361.6126 | 6191750.077020001 | 0.4285361055298016 | 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 | -784342.58835 | 0 | 0 | 0 | -797064.50721 | -1027271.47302 | 0 0 | 1453100.2452700003 | 1453100.2452700003 | 0 | 0 | 1440378.3264100002 | 1440378.3264100002 | 0 0 2653388.46442 |

4991461.85787 | 7644850.3222900005 | 0.34708180704121133 | 2635218.5443400005 | 4701835.22555 | 7337053.76989 | 0.35916576693965113 *Converties au taux de 130.5279 Gdes | *Converties au taux de 130.6911 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 | 2.883638427629347 | 11118.765979999998 | -0.5632149953748733 | 4856.51025 | 0 | 0 | 3973.1069100000004 | -0.18790940865973324 | 3226.5227400000003 | -0.17280302819127197 | 2668.96984 | 0.17209877875577625 | 3128.2962899999998 Intérêts sur Bons B.R.H. | 15678 | 0 | 3958.77857 | 0.15896136873348793 | 4588.07143 | 0 | 0 | 3987.5 | 2.6580564263322883 | 14586.5 | 0.7344413368525692 | 25299.42856 | -0.11155813750126854 | 22477.07143 Autres | 73937.11914 | 0.26493736296255715 | 93525.82451 | -0.13520413678521445 | 80880.74614 | 0 | 0 | 54776.26484 | 0.40909415867356175 | 77184.91482 | -0.28410122108883873 | 55256.58627 | 0.24007892317449175 | 68522.528 92478.09575 | 0.17436856997566372 | 108603.36906 | -0.16830086762687757 | 90325.32782 | 0 | 0 | 62736.871750000006 | 0.5142281549924427 | 94997.93756 | -0.12392851036965186 | 83224.98467 | 0.13100526354233324 | 94127.89572 Dépenses d'intérêt | 10717.31618 | -0.010685965504472 | 10602.791309 | 0.0066042430676307015 | 10672.814719999998 | 0 | 0 | 18335.81246 | -0.4260775118115492 | 10523.33511 | 0.008161883956197496 | 10609.225349999999 | 0.0022964400506395827 | 10633.5888 81760.77957 | 0.19862577468572448 | 98000.577751 | -0.18722404573592188 | 79652.51310000001 | 0 | 0 | 44401.059290000005 | 0.9025357457862577 | 84474.60245 | -0.1403835328733174 | 72615.75932000001 | 0.14980973416611776 | 83494.30692 AUTRES REVENUS Commissions | 3880.73465 | 0.052876395452598215 | 4085.93391 | -0.314034589952533 | 2802.80933 | 0 | 0 | 4653.06999 | -0.053244780442255946 | 4405.3183 | -0.10471137352322538 | 3944.0313699999997 | 0.2291355253596779 | 4847.74907 Gains sur change | 1317.43004 | 0.006855923825753871 | 1326.4622399999998 | -0.5285606546930428 | 625.3464899999999 | 0 | 0 | -2592.10153 | 2.2470283291719673 | 3232.42404 | 0.6316232817028549 | 5274.09832 | -0.7320835914943656 | 1413.01748 Autres | 1617.11418 | 0.04625422924681792 | 1691.91255 | -0.4171508155075746 | 986.1298499999999 | 0 | 0 | 529.38073 | 1.6393544396676472 | 1397.22338 | 0.07866798650334644 | 1507.14013 | 2.1558317606472333 | 4756.28069 6815.27887 | 0.042409098074074905 | 7104.3087000000005 | -0.3786466978834971 | 4414.28567 | 0 | 0 | 2590.34919 | 2.4879335013516077 | 9034.96572 | 0.18708472753342106 | 10725.26982 | 0.027204669429938908 | 11017.04724 PRODUIT NET BANCAIRE | 88576.05844 | 0.18660604572054162 | 105104.886451 | -0.2001627934854196 | 84066.79877000001 | 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 | -0.26055739183803245 | 1000 | 0 | 4000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 87223.68844 | 0.19353914415821052 | 104104.886451 | -0.23090258776963574 | 80066.79877000001 | 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 | 0.038681183609949765 | 56047.722760000004 | -0.10240577792210022 | 50308.11211 | 0 | 0 | 36063.301250000004 | 0.28128495779348534 | 46207.36542 | 0.014970167282045404 | 46899.09741 | 0.06772569506471435 | 50075.37138 Frais de locaux | 4804.49408 | 9.913842999261478e-05 | 4804.97039 | -0.0007587268399379531 | 4801.32473 | 0 | 0 | 4818.40206 |

-0.0020716639823121835 | 4808.4199499999995 | 0.0009552618215055144 | 4813.01325 | -0.001000892735959007 | 4808.1959400000005 Amortissement | 4304.6078 | 0.1781242834713072 | 5071.36298 | 0.07772826783540544 | 5465.55124 | 0 | 0 | 1822.19106 | 0.06828350370679573 | 1946.6166500000002 | 0.010310432719251467 | 1966.6871099999998 | 0.6309498769227204 | 3207.5681000000004 Autres dépenses d'exploitation | 18272.10552 | 0.14256031233777586 | 20876.98259 | 0.21808754403909297 | 25429.99245 | 0 | 0 | 20313.4246 | -0.10278421246607526 | 18225.52525 | 0.19348019448712467 | 21751.80342 | 0.17051796894181379 | 25460.87676 81341.67538999999 | 0.06711643574864438 | 86801.03872000001 | -0.009171067555630404 | 86004.98053 | 0 | 0 | 63017.31897 | 0.12965655209625304 | 71187.92727 | 0.059598222377067966 | 75430.60119 | 0.10766732416122732 | 83552.01217999999 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 5882.013050000009 | 1.9418240972790703 | 17303.847730999987 | -1.343171175123189 | -5938.181759999992 | 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 | 1.9418240972790703 | 17303.847730999987 | -1.343171175123189 | -5938.181759999992 | 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- juin 26) | 2025 (oct.24-juin 25) | 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 | 11118.765979999998 | 2.4460522599633054 | 3226.5227400000003 | 4856.51025 | 0.8196197563626271 | 2668.96984 | 0 | 0 | 3128.2962899999998 | 18838.252839999997 | 0.9089084382327077 | 9868.59949 | 12996.89578 Intérêts sur Bons B.R.H. | 15678 | 2.9317868338557993 | 3987.5 | 3958.77857 | -0.7285998306653412 | 14586.5 | 4588.07143 | -0.8186492070712604 | 25299.42856 | 0 | 0 | 22477.07143 | 24224.85 | -0.44784689058729904 | 43873.42856 | 66350.49999 Autres | 73937.11914 | 0.3498021333869393 | 54776.26484 | 93525.82451 | 0.21171118382533702 | 77184.91482 | 80880.74614 | 0.46373041839379636 | 55256.58627 | 0 | 0 | 68522.528 | 248343.68979 | 0.32649638540636533 | 187217.76593000002 | 255740.29393000004 92478.09575 | 0.47406291022153146 | 62736.871750000006 | 108603.36906 | 0.14321817767261422 | 94997.93756 | 90325.32782 | 0.085315043050521 | 83224.98467 | 0 | 0 | 94127.89572 | 291406.79263 | 0.2093585731326909 | 240959.79398000002 | 335087.68970000005 Dépenses d'intérêt | 10717.31618 | -0.41549815676943286 | 18335.81246 | 10602.791309 | 0.007550476932402868 | 10523.33511 | 10672.814719999998 | 0.005993780686353287 | 10609.225349999999 | 0 | 0 | 10633.5888 | 31992.922209 | -0.18940356943906167 | 39468.37292 | 50101.96172 81760.77957 | 0.8414150670593155 | 44401.059290000005 | 98000.577751 | 0.16011883937549087 | 84474.60245 | 79652.51310000001 | 0.09690394820483436 | 72615.75932000001 | 0 | 0 | 83494.30692 | 259413.87042099997 | 0.28746856345686217 | 201491.42106000002 | 284985.72798 AUTRES REVENUS Commissions | 3880.73465 | -0.1659840367026158 | 4653.06999 | 4085.93391 | -0.07249973060970412 | 4405.3183 | 2802.80933 | -0.2893541995331543 | 3944.0313699999997 | 0 | 0 | 4847.74907 | 10769.47789 | -0.17173278731106573 | 13002.41966 | 17850.168729999998 Gains sur change | 1317.43004 | 1.5082478540105642 | -2592.10153 | 1326.4622399999998 | -0.5896385425966576 | 3232.42404 | 625.3464899999999 | -0.8814306347629864 | 5274.09832 | 0 | 0 | 1413.01748 | 3269.23877 | -0.4472427877608432 | 5914.42083 | 7327.43831 Autres | 1617.11

418 | 2.0547280782207547 | 529.38073 | 1691.91255 | 0.21091056320572027 | 1397.22338 | 986.1298499999999 | -0.3456946501716467 | 1507.14013 | 0 | 0 | 4756.28069 | 4295.15658 | 0.2508667739330521 | 3433.74424 | 8190.02493 6815.27887 | 1.6310270817194343 | 2590.34919 | 7104.3087000000005 | -0.21368725458761337 | 9034.96572 | 4414.28567 | -0.5884219470387179 | 10725.26982 | 0 | 0 | 11017.04724 | 18333.87324 | -0.17971393314862943 | 22350.58473 | 33367.631969999995 PRODUIT NET BANCAIRE | 88576.05844 | 0.8849415521924356 | 46991.408480000006 | 105104.886451 | 0.12400140978001037 | 93509.56817000001 | 84066.79877000001 | 0.008708431339152469 | 83341.02914000001 | 0 | 0 | 94511.35416 | 277747.743661 | 0.24082047371203533 | 223842.00579000002 | 318353.35995 Dotation à la provision pour créances douteuses | 1352.37 | 0 | 0 | 1000 | 0 | 0 | 4000 | 0 | 0 | 0 | 0 | 0 | 6352.37 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 87223.68844 | 0.8561624616364337 | 46991.408480000006 | 104104.886451 | 0.11330731697677975 | 93509.56817000001 | 80066.79877000001 | -0.03928713628553596 | 83341.02914000001 | 0 | 0 | 94511.35416 | 271395.373661 | 0.21244166260560007 | 223842.00579000002 | 318353.35995 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 53960.46799 | 0.49627089366922533 | 36063.301250000004 | 56047.722760000004 | 0.2129607964132226 | 46207.36542 | 50308.11211 | 0.07268827948217862 | 46899.09741 | 0 | 0 | 50075.37138 | 160316.30286 | 0.24112871152036547 | 129169.76408000001 | 179245.13546000002 Frais de locaux | 4804.49408 | -0.0028864299464457623 | 4818.40206 | 4804.97039 | -0.0007173999018116358 | 4808.4199499999995 | 4801.32473 | -0.0024285243760755696 | 4813.01325 | 0 | 0 | 4808.1959400000005 | 14410.789200000001 | -0.0020115229486349943 | 14439.83526 | 19248.0312 Amortissement | 4304.6078 | 1.3623251669339216 | 1822.19106 | 5071.36298 | 1.6052191529338864 | 1946.6166500000002 | 5465.55124 | 1.7790649627026844 | 1966.6871099999998 | 0 | 0 | 3207.5681000000004 | 14841.52202 | 1.5876620040256615 | 5735.49482 | 8943.06292 Autres dépenses d'exploitation | 18272.10552 | -0.10049113432109313 | 20313.4246 | 20876.98259 | 0.1454804349191528 | 18225.52525 | 25429.99245 | 0.169098118394084 | 21751.80342 | 0 | 0 | 25460.87676 | 64579.08056 | 0.07112744587541626 | 60290.75327 | 85751.63003 81341.67538999999 | 0.290782862862247 | 63017.31897 | 86801.03872000001 | 0.21932246166941968 | 71187.92727 | 86004.98053 | 0.14018686280074177 | 75430.60119 | 0 | 0 | 83552.01217999999 | 254147.69464 | 0.21232936902579616 | 209635.84743000002 | 293187.85961000004 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 5882.013050000009 | 1.3670314428419106 | -16025.910489999995 | 17303.847730999987 | -0.22479499564926803 | 22321.640900000013 | -5938.181759999992 | -1.7506776874189194 | 7910.427950000012 | 0 | 0 | 10959.341980000012 | 17247.67902099999 | 0.21409874393375322 | 14206.158360000001 | 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 | 17303.847730999987 | -0.22479499564926803 | 22321.640900000013 | -5938.181759999992 | -1.7506776874189194 | 7910.427950000012 | 0 | 0 | 10959.341980000012 | 17247.67902099999 | 0.21409874393375322 | 14206.158360000001 | 25165.50033999997 [BPHVARAN ] BANQUE POPULAIRE HAÏTIENNE (BPH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Juin) | ANNÉE 2026 | Var. | 2025 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 18838.252839999997 | 0.9089084382327077 | 9868.59949 | 12996.89578 | -0.7158926048594069 | 45746.41844 | 0.29882444655198453 | 35221.402369999996 | 0.47026208662006247 | 23955.86657 Intérêts sur bons B.R.H. | 24224.85 | -0.44784689058729904 | 43873.42856 | 66350.49999 | 0 | 0 | 0 | 0 | 0 | 0 Autres

| 248343.68979 | 0.32649638540636533 | 187217.76593000002 | 255740.29393 | 0.29105894406974986 | 198085.68393 | -0.04037550834717173 | 206419.99621 | 0.1202965289371695 | 184254.78512 291406.79263 | 0.2093585731326909 | 240959.79398000002 | 335087.6897 | 0.3742558360569164 | 243832.10237 | 0.009065929111789698 | 241641.39858 | 0.16056213559993227 | 208210.65168999997 Dépenses d'intérêt | 31992.922209 | -0.18940356943906167 | 39468.37292 | 50101.96172 | -0.5498439228702786 | 111299.08995 | 1.6294218477018365 | 42328.35064 | 0.037626173784569644 | 40793.44923 259413.87042099997 | 0.28746856345686217 | 201491.42106000002 | 284985.72797999997 | 1.150299934908851 | 132533.01242 | -0.3350509974645667 | 199313.04794000002 | 0.19051713331323128 | 167417.20245999997 AUTRES REVENUS Commissions | 10769.47789 | -0.17173278731106573 | 13002.41966 | 17850.168729999998 | -0.32637357785150106 | 26498.617250000003 | 1.2435939740217161 | 11810.78999 | -0.09558722922079006 | 13059.07034 Gains sur change | 3269.23877 | -0.4472427877608432 | 5914.42083 | 7327.43831 | 0.7033837925462624 | 4301.695449999999 | 1.2113840455908356 | -20350.1425 | -7.276953291599074 | 3242.0414100000003 Autres | 4295.15658 | 0.2508667739330521 | 3433.74424 | 8190.02493 | -0.8427654289707411 | 52087.940180000005 | 5.007818325016875 | 8670.02585 | -0.7121152397200784 | 30116.3071 18333.87324 | -0.17971393314862943 | 22350.58473 | 33367.631969999995 | -0.5974383484918256 | 82888.25288000001 | 633.3164786329145 | 130.67333999999755 | -0.997184821059907 | 46417.41885 PRODUIT NET BANCAIRE | 277747.743661 | 0.24082047371203533 | 223842.00579000002 | 318353.35994999995 | 0.4778177052606882 | 215421.26530000003 | 0.08011053904058002 | 199443.72128000003 | -0.0672992050671588 | 213834.62130999996 Dotation à la provision pour créances douteuses | 6352.37 | 0 | 0 | 0 | 0 | 0 | 0 | 36000 | -6.994677377318269e-05 | 36002.51826 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 271395.373661 | 0.21244166260560007 | 223842.00579000002 | 318353.35994999995 | 0.4778177052606882 | 215421.26530000003 | 0.318014932681053 | 163443.72128000003 | -0.08090992302978307 | 177832.10304999998 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 160316.30286 | 0.24112871152036547 | 129169.76408000001 | 179245.13546000002 | 0.36919942093283903 | 130912.36581000002 | -0.018177652655170084 | 133336.10317999998 | 0.21620937735245788 | 109632.52352999999 Frais de locaux | 14410.789200000001 | -0.0020115229486349943 | 14439.83526 | 19248.0312 | -0.019302883121040355 | 19626.886700000003 | -0.0013231087395293019 | 19652.88961 | 0.07056308711482559 | 18357.52591 Amortissement | 14841.52202 | 1.5876620040256615 | 5735.49482 | 8943.06292 | 0.2347074907895205 | 7243.06201 | 0.022414715635398066 | 7084.2701099999995 | -0.3035155534787137 | 10171.469219999999 Autres dépenses d'exploitation | 64579.08056 | 0.07112744587541626 | 60290.75327 | 85751.63003 | -0.10842520952225072 | 96179.96263 | 0.2270974027548654 | 78380.05558 | -0.05845679304574324 | 83246.37148999999 254147.69464 | 0.21232936902579616 | 209635.84743000002 | 293187.85961000004 | 0.15445436582233776 | 253962.27715 | 0.06503981059630666 | 238453.31848000002 | 0.076986544239467 | 221407.89015 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 17247.67902099999 | 0.21409874393375322 | 14206.158360000001 | 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 | 17247.67902099999 | 0.21409874393375322 | 14206.158360000001 | 25165.50033999991 | 1.6529538051035866 | -38541.01184999998 | 0.48618559106193965 | -75009.59719999999 | -0.7213595483166835 | -43575.787100000016 [buhinfin] BANQUE DE L'UNION HAÏTIENNE (BUH) INDICATEURS FINANCIERS Var. juin 26 | 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 | 0.04115104469707773 | 56137284.80403751 | 0.02466690167585231 | 57522017.68864802 | 0 | 0 | 0.12352591424306832 | 51197766.74434896 | 0.1048301707336433 | 46339942.645078175 | 0.018723090534741242 | 45488261.80110802 | 0.0016876092426340399 | 45411624.72350161 Bons B.R.H. | 0 | 0 | 0 | 0 | 500000 | 0 | 0 | 0.6666666666666666 | 300000 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 12903652.51851653 | 0.08378012685689486 | 13984722.163435135 | -0.07196329447128967 | 12978335.484288681 | 0 | 0 | -0.031088878489243785 | 13394763.664238324 | 0.08038190502087403 | 12398174.758378172 | 0.04126368529411099 | 11906854.07882657 | -0.22273266022544605 | 15318865.81299061 Dépôts | 45686718.8776288 | 0.04048366300491071 | 47536284.60847082 | 0.020963061486292973 | 48532790.665548116 | 0 | 0 | 0.121559953979834 | 43272578.06712021 | 0.13482312481348713 | 38131561.75702027 | 0.00270492663227602 | 38028696.9219254 | 0.006630220958906787 | 37778218.982636556 Avoir des Actionnaires | 3944939.03276419 | 0.029841315383065635 | 4062661.202607872 | 0.04153688335139629 | 4231411.4870768385 | 0 | 0 | 0.09359809970875052 | 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 - juin 26) | (oct. 24- juin 25) Résultats Revenus nets d'intérêt | 332603.84873972397 | 0.1396019577259495 | 291859.6677417329 | 351498.31524191395 | 0.10592339343622584 | 317832.4261229071 | 351533.004119114 | 0.13098106990046943 | 310821.29796394403 | 0 | 0 | 313704.4124963689 | 1035635.1681007519 | 0.12506257626896713 | 920513.391828584 Autres revenus | 343565.7539452153 | 0.22764799872884803 | 279856.8924487768 | 452436.35881979286 | 0.45623146313625584 | 310689.86646215565 | 469495.68597777747 | 0.4813868857379559 | 316929.82467837713 | 0 | 0 | 358117.93639973283 | 1265497.7987427856 | 0.3945239156887195 | 907476.5835893096 Dot. à la prov. pr créances douteuses | 9690.058850497573 | 1.7502819969336596 | -12915.2223965123 | -3459.4272787648224 | -1.2155788067051696 | 16047.158492235349 | -11643.137537359995 | 0.8474466212381131 | -76321.72838028843 | 0 | 0 | -36987.71009317697 | -5412.505965627244 | 0.9260483491388639 | -73189.79228456538 Dépenses d'exploitation | 558008.107399884 | 0.04818611327868386 | 532355.943597132 | 569495.79337807 | 0.054162586261332836 | 540235.2547891401 | 572331.426078585 | 0.09211617616307999 | 524057.27391508 | 0 | 0 | 583546.2215132958 | 1699835.3268565391 | 0.06462715891774064 | 1596648.4723013518 Bénéfice (perte) net | 75682.59358419031 | 1.0682210543855146 | 36593.087292922966 | 166359.12993368105 | 2.2620286384678687 | 50998.67241258118 | 182464.6179689665 | 0.4506955617425063 | 125777.33246098767 | 0 | 0 | 87675.40685238803 | 424506.34148683783 | 0.9895399899606627 | 213369.0921664918 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 - juin 26) | (oct. 24- juin 25) | 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 | 0.07237010512335425 | 0.07212609105635853 | 0.07356159705628525 |

0.07078606411630307 | 0 | 0.07557471122879071 | 0.07356159705628525 | 0.07078606411630307 | 0.07557471122879071 | 0.07153285036436353 | 0.05793862135650572 | 0.07492218026626138 Dépôts en % de l'actif | 0.8473294576727343 | 0.8023621356615369 | 0.8467863163387609 | 0.8217593893131863 | 0.843725457063132 | 0.823283644679297 | 0 | 0.8452044067312076 | 0.843725457063132 | 0.823283644679297 | 0.8452044067312076 | 0.8228659678988678 | 0.8360112129190895 | 0.8319063502496844 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.0021411107492402288 | 0.0071179587621141354 | 0.005748816823333597 | 0.009925836432079982 | 0.0027611307843896067 | 0.010659296369868393 | 0 | 0.0008604077610738926 | 0.0027611307843896067 | 0.010659296369868393 | 0.0008604077610738926 | 0.002727897304453172 | 0.019764130395404627 | 0.11408158078922474 Provisions pour créances douteuses en % des prêts improductifs bruts | 7.8792960651054 | 2.7771913725877284 | 2.5896945950061134 | 2.5074237294985484 | 5.405349554424053 | 1.9557970575746957 | 0 | 19.292307629486675 | 5.405349554424053 | 1.9557970575746957 | 19.292307629486675 | 7.098174752274438 | 0.9896655644517804 | 0.3971745454698088 Prêts improductifs nets en % de l'avoir des actionnaires | -0.04900549092690343 | -0.055017241765893725 | -0.03193373034826257 | -0.059393607342706434 | -0.037873176904730806 | -0.038393273088229124 | 0 | -0.05540511014435195 | -0.037873176904730806 | -0.038393273088229124 | -0.05540511014435195 | -0.06344777233175647 | 0.0009411805187272899 | 0.32433516656661493 Rentabilité ROA (rendement de l'actif) | 0.005759915814145681 | 0.003136110503480442 | 0.012092715058781948 | 0.004333744230071405 | 0.012842916609009377 | 0.010379684880422976 | 0 | 0.006944384831777844 | 0.010412243884913323 | 0.005917973739399771 | 0.006172884331678029 | 0.0027893171259060143 | 0.008390643149983825 | 0.005808606807929885 ROE (rendement avoir des action.) | 0.07748216063904063 | 0.04391445300446727 | 0.16620123387161212 | 0.06043252298132008 | 0.17599519540830325 | 0.1452971629350061 | 0 | 0.09485128191539839 | 0.1397436509192295 | 0.08318069571451774 | 0.08380872857888874 | 0.04304582967163536 | 0.1263208926100493 | 0.07344718595589103 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7128104463500197 | 0.7265901549010779 | 0.7262306936029723 | 0.7546650160667205 | 0.720542256566758 | 0.7384991979255204 | 0 | 0.7149073040928434 | 0.7199482230071691 | 0.7401271116630646 | 0.7335497694315912 | 0.7144008024901575 | 0.800697918210508 | 0.7407085462128182 Rendement moyen des prêts | 0.1069776070518041 | 0.10319740676738752 | 0.10464065957164899 | 0.10264863714506628 | 0.10769854663272076 | 0.1041651376992354 | 0 | 0.10166004162811479 | 0.10782698188577035 | 0.10901777430760012 | 0.1067567155321497 | 0.11661704772677597 | 0.13046658261541064 | 0.11366742252460704 Rendement moyen des prêts productifs | 0.10713712236208305 | 0.10372420256139463 | 0.10506255664435 | 0.10352527342837466 | 0.10816481299567729 | 0.10524810871769714 | 0 | 0.10224270386948298 | 0.10802087449616987 | 0.10976327462780892 | 0.10694487290322675 | 0.11792300687520087 | 0.14080894038739883 | 0.12458455227695817 Rémunération moyenne des dépôts | 0.012050928183322153 | 0.011583660640261841 | 0.011371042932746335 | 0.010812153692655526 | 0.011353484588135464 | 0.011042240669418628 | 0 | 0.01187520747323133 | 0.011701580142459167 | 0.010891382627092184 | 0.011014424912995719 | 0.012643001701479748 | 0.0127809960700656 | 0.014257861429705245 Dépenses d'exploitation en % du produit net bancaire | 0.8252487322472665 | 0.9311536181840493 | 0.7083856583779565 | 0.8595323684816253 | 0.6970906534472538 | 0.834816944188368 | 0 | 0.8686019785917273 | 0.7386949608514809 | 0.873444873206345 | 0.8721433495664288 | 0.929991403736984 | 1.0728510952816075 | 0.7934167257992941 (revenus nets d'int.+autres revenus) Productivité par

employé ('000 gdes) | 5816.512711268295 | 4907.43828489708 | 6900.726815980315 | 5371.985406709939 | 7024.844407246131 | 5348.252376079414 | 0 | 5748.2126108757375 | 6577.014553322008 | 5213.518646468146 | 5375.940482395689 | 5171.435018066102 | 6478.839915157717 | 5258.012596367964 [buhvar] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var. juin 26 | 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 | 0.05036551130161523 | 2387227.372711632 | 0.48612411484307955 | 3547716.1662002443 | 0 | 0 | 0.2979082192156815 | 2733410.663154679 | 0.47141115625446367 | 1857679.718911936 | -0.65641211950126 | 5406709.096419216 | 2.177408285459028 | 1701609.806068133 Avoirs à la BRH | 21006889.070975017 | 0.12583261249385838 | 23650240.803144485 | -0.044722193123198827 | 22592550.1665361 | 0 | 0 | 0.21384171914895106 | 18612435.05650489 | 0.042031736437042874 | 17861677.726002168 | 0.42770706530537667 | 12510744.087535687 | -0.26996931705283905 | 17137285.29468015 Avoirs à l'étranger | 2239760.687394264 | -0.5781140632089988 | 944923.5357889859 | 0.647983689527094 | 1557218.57483052 | 0 | 0 | -0.09623666014186615 | 1723037.996955 | 0.2616786760597355 | 1365671.014062079 | -0.240708798990839 | 1798612.9856990161 | 0.08994115971070649 | 1650192.737171616 Avoirs dans les banques locales | 385848.722913776 | 0.25955436976755225 | 485997.445015276 | 0.021795467328819054 | 496589.986449996 | 0 | 0 | 0.3033312140212403 | 381015.95443098404 | -0.0037492013249031094 | 382449.835862308 | -0.002815048660884846 | 383529.49003965396 | -0.17545186306931493 | 465138.992936558 Autres liquidités | 26931.930969748002 | -1.5080200098756609 | -13681.959837221999 | 22.607584738457245 | 295634.106570943 | 0 | 0 | 42.24224143542525 | 6836.697098887 | -0.013938797435767137 | 6933.339513925001 | -0.9925953369676218 | 936347.7424438801 | 8.008967365429863 | 103935.079844659 25932189.130076066 | 0.05871151328991674 | 27454707.19682316 | 0.037698519104381746 | 28489709.000587806 | 0 | 0 | 0.21456406183080196 | 23456736.36814444 | 0.09231101496727012 | 21474411.634352416 | 0.0208437636398286 | 21035943.40213745 | -0.0010551019912318673 | 21058161.910701115 Bons B.R.H. | 0 | 0 | 0 | 0 | 500000 | 0 | 0 | 300000 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 1732914.90715 | 0 | 1718861.05416 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 8672514.040561564 | -0.25065302082371077 | 6498722.198158762 | 0.16528389182307593 | 7572856.2949474575 | 0 | 0 | -0.0165382295515121 | 7700204.0369032435 | 0.2871841094974577 | 5982208.745499163 | -0.12458262871870114 | 6833550.420347888 | -0.009723376871802171 | 6900648.021722754 Portefeuille net | 12903652.51851653 | 0.08378012685689486 | 13984722.163435135 | -0.07196329447128967 | 12978335.484288681 | 0 | 0 | -0.031088878489243785 | 13394763.664238324 | 0.08038190502087403 | 12398174.758378172 | 0.04126368529411099 | 11906854.07882657 | -0.22273266022544605 | 15318865.81299061 Immobilisations | 4999474.862789999 | -0.09589181840439553 | 4520066.12713 | 0.01961092354776764 | 4608708.7983800005 | 0 | 0 | -0.07196764332988362 | 4966107.878949999 | -0.024686206369643384 | 5091805.233744239 | 0.2228491427890016 | 4163886.6607300006 | 2.607793388689217 | 1154136.67362 Autres actifs | 1410652.3521100013 | 0.3796115027416027 | 1946152.2113404553 | -0.1503506012280727 | 1653547.0562840747 | 0 | 0 | 0.19826175534284127 | 1379954.7961129488 | -0.009608175427998947 | 1393342.2731041806 | -0.09992393031484723 | 1548027.2390661077 | 0.579922227969989 | 979812.3044671239 53918482.90405416 | 0.04115104469707773 | 56137284.80403751 | 0.02466690167585231 | 57522017.68864802 | 0 | 0 | 0.12352591424306832 | 51197766.74434896 | 0.1048301707336433 | 46339942.645078175 | 0.018723090534741242 | 45488261.801

10802 | 0.0016876092426340399 | 45411624.72350161 PASSIF Dépôts À vue | 21657998.510940053 | 0.0377256207205289 | 22475059.948329557 | 0.04308440328454296 | 23443384.494987667 | 0 | 0 | 0.2027067363617779 | 19492186.903271675 | 0.13685912478654794 | 17145648.461001225 | -0.0022144728566241174 | 17183701.301108867 | 0.03880315702567971 | 16541826.220772717 Épargne | 10088245.739978408 | 0.07157209491745797 | 10810282.621630784 | 0.040629471208060375 | 11249498.688157327 | 0 | 0 | 0.16952677294474047 | 9618846.655243574 | 0.1383613976554231 | 8449730.178003766 | -0.006205996408954427 | 8502496.641628861 | 0.048860883884537326 | 8106410.270673083 À terme | 13940474.626710344 | 0.022270935539401977 | 14250942.038510479 | -0.028842623525982363 | 13839907.482403126 | 0 | 0 | -0.022712001929337384 | 14161544.508604959 | 0.12965360949888555 | 12536183.118015284 | 0.0156924573503474 | 12342498.979187675 | -0.0599759757891088 | 13129982.491190754 45686718.8776288 | 0.04048366300491071 | 47536284.60847082 | 0.020963061486292973 | 48532790.665548116 | 0 | 0 | 0.121559953979834 | 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 | 400000 | 0 | 0 | 0 | 700000 Banques à l'étranger | 0 | 0 | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2582641.8363095885 | 0.0648039621105096 | 2750007.260014812 | 0.07837140403434896 | 2965529.1900868258 | 0 | 0 | 0.20678628972941068 | 2457377.2633361337 | -0.04710643679421878 | 2578858.0784079167 | -0.033195789716617324 | 2667404.6833660565 | 1.0544391939867879 | 1298361.4658313468 2582641.8363095885 | 0.0648039621105096 | 2750007.260014812 | 0.07837140403434896 | 2965529.1900868258 | 0 | 0 | 0.20678628972941068 | 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 | 1414978.35488 Banque à l'étranger | 0 | 0 | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 647039.0176805034 | 0.06296588667301413 | 687780.4031407924 | 0.11842848326697437 | 769233.1931055046 | 0 | 0 | 0.15570179023140454 | 665598.3399934702 | -0.02847367016334471 | 685105.8170552914 | 0.006580898306650319 | 680626.682075758 | 0.17904079002557635 | 577271.5310901105 647039.0176805034 | 0.06296588667301413 | 687780.4031407924 | 0.11842848326697437 | 769233.1931055046 | 0 | 0 | 0.15570179023140454 | 665598.3399934702 | -0.02847367016334471 | 685105.8170552914 | 0.006580898306650319 | 680626.682075758 | -0.6583627953155424 | 1992249.8859701105 Autres passifs | 1057144.139671069 | 0.04106080668966341 | 1100551.3308332134 | -0.07041759510099728 | 1023053.1528307365 | 0 | 0 | 0.09657095802396665 | 932956.636635982 | -0.24124501679100085 | 1229588.8096711175 | -0.16694881154195013 | 1476006.308744419 | 5.138351836319308 | 240456.452823575 49973543.87128997 | 0.042043840968755936 | 52074623.60245963 | 0.023350770778381876 | 53290606.20157118 | 0 | 0 | 0.12597260838765018 | 47328510.3070858 | 0.1000205554064596 | 43025114.4621546 | 0.004022610637749255 | 42852734.59611163 | 0.02007765123748322 | 42009286.78726158 AVOIR DES ACTIONNAIRES Capital versé | 750000 | 0 | 750000 | -0.0013999989466667176 | 748950.00079 | 0 | 0 | -0.0013999989466667176 | 750000 | 0.0299994034008616 | 728155.76157 | 0 | 728155.76157 | -3.433213471075307e-05 | 728180.76157 Réserves | 477378.60000000003 | 0.06676973789776072 | 509253.044 | 0 | 509253.044 | 0 | 0 | 0.06676973789776072 | 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 | 1432779.186

18 | 0 | 1432779.18618 | 0 | 1420114.85189 | 0 | 0 | -0.008838999346273928 | 1432779.18618 | 0.19542286172271311 | 1198554.27904 | 2.328138739979809e-07 | 1198554 | -9.569286293484027e-05 | 1198668.70404 BNR | 1284781.2465841903 | 0.0668189437477565 | 1370628.9724278718 | 0.13312473443907777 | 1553093.5903968383 | 0 | 0 | 0.28450527093510314 | 1209098.651083157 | 1.644433938173054 | 457223.99551356555 | 0.4156750674392881 | 322972.41509 | -0.703819342823062 | 1090457.486888 3944939.03276419 | 0.029841315383065635 | 4062661.202607872 | 0.04153688335139629 | 4231411.4870768385 | 0 | 0 | 0.09359809970875052 | 3869256.4372631568 | 0.16725701107595667 | 3314828.1831235653 | 0.257747676624015 | 2635527.1766600003 | -0.22537759975536745 | 3402337.9337179996 53918482.90405416 | 0.04115104471618047 | 56137284.8050675 | 0.02466690165705202 | 57522017.68864802 | 0 | 0 | 0.12352591424306848 | 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 | 0 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 5796344.772130188 | -0.07070560360942643 | 5386510.716288379 | 0.01161360639572535 | 5449067.531593709 | 0 | 0.2184768408360419 | 4472032.08873047 | 4872623.17173931 | 3361981.889064204 | 2620854.426157199 Portefeuille brut | 13125078.439024258 | 0.08159876950320662 | 14196068.689281706 | -0.07192825108609432 | 13174970.29616361 | 0 | 0 | -0.03273577800562252 | 13620859.736751633 | 0.0773454996358982 | 12642981.978719886 | 0.041054731637814396 | 12144397.018233247 | -0.24314692173690344 | 16045910.847193018 Provisions pour créances douteuses | 221425.92050772868 | -0.04552039182245128 | 211346.52584656992 | -0.06960944313001355 | 196634.81187492717 | 0 | 0 | -0.13030416809494444 | 226096.072513308 | -0.07643217304737984 | 244807.22034171392 | 0.030580917088851398 | 237542.9394066763 | -0.6732761682812831 | 727045.034202408 Portefeuille de crédit improductif | 28102.246530416 | 1.9040595888948635 | 81610.59850614199 | -0.554251326003715 | 36377.816068156 | 0 | 0 | 2.1040433859568273 | 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 | 2387227.372711632 | 0.042524810044605815 | 3547716.1662002443 | 0.06167579491740233 | 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 | 23650240.803144485 | 0.4212929229780545 | 22592550.1665361 | 0.3927635203762114 | 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 | 944923.5357889859 | 0.016832369771489643 | 1557218.57483052 | 0.027071695976649254 | 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 | 485997.445015276 | 0.008657302302948611 | 496589.986449996 | 0.008633041857778889 | 0 | 0 | 381015.95443098404 | 0.007442042469030924 | 382449.835862308 | 0.008253135719038886 | 383529.49003965396 | 0.008431394712697328 | 465138.992936558 | 0.010242729604339335 Autres liquidités | 26931.930969

748002 | 0.0004994934857064196 | -13681.959837221999 | -0.00024372322040480953 | 295634.106570943 | 0.005139494726543406 | 0 | 0 | 6836.697098887 | 0.00013353506478173898 | 6933.339513925001 | 0.00014961907844876022 | 936347.7424438801 | 0.020584381670549396 | 103935.079844659 | 0.002288732906551791 25932189.130076066 | 0.4809517577900214 | 27454707.19682316 | 0.48906368187669386 | 28489709.000587806 | 0.49528354785458534 | 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 | 500000 | 0.0086923237412563 | 0 | 0 | 300000 | 0.005859630586975027 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 1732914.90715 | 0.030869232689098018 | 1718861.05416 | 0.029881793497991596 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 8672514.040561564 | 0.16084491946841245 | 6498722.198158762 | 0.1157648115836796 | 7572856.2949474575 | 0.131651437123388 | 0 | 0 | 7700204.0369032435 | 0.1504011703352894 | 5982208.745499163 | 0.12909400409313068 | 6833550.420347888 | 0.15022667716402904 | 6900648.021722754 | 0.15195774350155553 Portefeuille net | 12903652.51851653 | 0.23931779648693152 | 13984722.163435135 | 0.24911646888966252 | 12978335.484288681 | 0.22562378730414315 | 0 | 0 | 13394763.664238324 | 0.26162788957424193 | 12398174.758378172 | 0.2675483406040641 | 11906854.07882657 | 0.26175662923520504 | 15318865.81299061 | 0.33733357716802254 Immobilisations | 4999474.862789999 | 0.09272283998951472 | 4520066.12713 | 0.08051807533813797 | 4608708.7983800005 | 0.08012077780939054 | 0 | 0 | 4966107.878949999 | 0.09699852541904362 | 5091805.233744239 | 0.109879403018317 | 4163886.6607300006 | 0.09153760763460465 | 1154136.67362 | 0.02541500509279745 Autres actifs | 1410652.3521100013 | 0.026162686265119927 | 1946152.2113404553 | 0.0346677296227281 | 1653547.0562840747 | 0.028746332669245058 | 0 | 0 | 1379954.7961129488 | 0.026953417773154405 | 1393342.2731041806 | 0.03006784630218288 | 1548027.2390661077 | 0.03403135617348211 | 979812.3044671239 | 0.02157624419810832 53918482.90405416 | 1 | 56137284.80403751 | 1 | 57522017.68864802 | 1 | 0 | 0 | 51197766.74434896 | 1 | 46339942.645078175 | 1 | 45488261.80110802 | 1 | 45411624.72350161 | 1 PASSIF Dépôts À vue | 21657998.510940053 | 0.40168041355094536 | 22475059.948329557 | 0.400358870700371 | 23443384.494987667 | 0.4075549752423622 | 0 | 0 | 19492186.903271675 | 0.3807233819514825 | 17145648.461001225 | 0.36999718778940455 | 17183701.301108867 | 0.3777612206032964 | 16541826.220772717 | 0.3642641354827352 Épargne | 10088245.739978408 | 0.18710180992907477 | 10810282.621630784 | 0.1925686762259169 | 11249498.688157327 | 0.19556856904860306 | 0 | 0 | 9618846.655243574 | 0.1878762935749589 | 8449730.178003766 | 0.18234226664286177 | 8502496.641628861 | 0.18691627916681033 | 8106410.270673083 | 0.17850958471604345 À terme | 13940474.626710344 | 0.25854723419271414 | 14250942.038510479 | 0.25385876941247293 | 13839907.482403126 | 0.24060191277216678 | 0 | 0 | 14161544.508604959 | 0.27660473120476614 | 12536183.118015284 | 0.27052651346660156 | 12342498.979187675 | 0.2713337131489828 | 13129982.491190754 | 0.2891326300509057 45686718.8776288 | 0.8473294576727343 | 47536284.60847082 | 0.8467863163387609 | 48532790.665548116 | 0.843725457063132 | 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 | 2750007.260014812 | 0.048987179725817905 | 2965529.1900868258 | 0.05155467956876056 | 0 |

0 | 2457377.2633361337 | 0.047997743253271316 | 2578858.0784079167 | 0.05565086901724555 | 2667404.6833660565 | 0.05863940668977338 | 1298361.4658313468 | 0.028590949426203056 2582641.8363095885 | 0.04789900785794176 | 2750007.260014812 | 0.048987179725817905 | 2965529.1900868258 | 0.05155467956876056 | 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 | 687780.4031407924 | 0.012251757553677156 | 769233.1931055046 | 0.013372847893986739 | 0 | 0 | 665598.3399934702 | 0.013000534638885139 | 685105.8170552914 | 0.0147843475401465 | 680626.682075758 | 0.014962688287622788 | 577271.5310901105 | 0.012711977045634279 647039.0176805034 | 0.01200031942352466 | 687780.4031407924 | 0.012251757553677156 | 769233.1931055046 | 0.013372847893986739 | 0 | 0 | 665598.3399934702 | 0.013000534638885139 | 685105.8170552914 | 0.0147843475401465 | 680626.682075758 | 0.014962688287622788 | 1992249.8859701105 | 0.04387092287713444 Autres passifs | 1057144.139671069 | 0.01960634058551343 | 1100551.3308332134 | 0.01960464127673769 | 1023053.1528307365 | 0.01778541841783544 | 0 | 0 | 932956.636635982 | 0.018222604147845153 | 1229588.8096711175 | 0.02653410296790071 | 1476006.308744419 | 0.03244807012407025 | 240456.452823575 | 0.005295041837583341 49973543.87128997 | 0.9268351255397141 | 52074623.60245963 | 0.9276298948949935 | 53290606.20157118 | 0.9264384029437147 | 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 | 750000 | 0.013360104654474817 | 748950.00079 | 0.013020231745761682 | 0 | 0 | 750000 | 0.014649076467437567 | 728155.76157 | 0.015713350513767595 | 728155.76157 | 0.016007552998040988 | 728180.76157 | 0.016035118012264135 Réserves | 477378.60000000003 | 0.008853709790935266 | 509253.044 | 0.009071565284599825 | 509253.044 | 0.008853184649336477 | 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 | 1432779.18618 | 0.025522773165490745 | 1420114.85189 | 0.02468819608478824 | 0 | 0 | 1432779.18618 | 0.02798518914573838 | 1198554.27904 | 0.025864388487051783 | 1198554 | 0.026348643639990774 | 1198668.70404 | 0.026395635728480336 BNR | 1284781.2465841903 | 0.02382821580626459 | 1370628.9724278718 | 0.02441566201878886 | 1553093.5903968383 | 0.026999984576398846 | 0 | 0 | 1209098.651083157 | 0.023616238128523707 | 457223.99551356555 | 0.009866736327567032 | 322972.41509 | 0.007100126544781119 | 1090457.486888 | 0.02401273888629803 3944939.03276419 | 0.07316487446028583 | 4062661.202607872 | 0.07237010512335425 | 4231411.4870768385 | 0.07356159705628525 | 0 | 0 | 3869256.4372631568 | 0.07557471122879071 | 3314828.1831235653 | 0.07153285036436353 | 2635527.1766600003 | 0.05793862135650572 | 3402337.9337179996 | 0.07492218026626138 53918482.90405416 | 1 | 56137284.8050675 | 1.0000000000183478 | 57522017.68864802 | 1 | 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) Juin 26 | Septembre 25 ACTIF | Devises converties * | Gourdes | Total | % devises/tota

l | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 138469.00337024403 | 3409247.1628300003 | 3547716.1662002443 | 0.03903046266481635 | 251532.91225467902 | 2481877.7509 | 2733410.663154679 | 0.09202163277009402 Avoirs à la BRH | 16560093.6491461 | 6032456.517390001 | 22592550.1665361 | 0.7329891281452049 | 13508785.963574888 | 5103649.09293 | 18612435.05650489 | 0.7257935849105183 Avoirs à l'étranger | 1557218.57483052 | 0 | 1557218.57483052 | 1 | 1723037.996955 | 0 | 1723037.996955 | 1 Avoirs dans les banques locales | 288235.264359996 | 208354.72209 | 496589.986449996 | 0.5804290707118795 | 288628.60734098405 | 92387.34709000001 | 381015.95443098404 | 0.7575236784297579 Autres liquidités | -19640.771979056997 | 315274.87855 | 295634.106570943 | 0 | 2244.5111688869997 | 4592.18593 | 6836.697098887 | 0.3283034389884556 18524375.719727803 | 9965333.280860001 | 28489709.000587806 | 0.6502128793012805 | 15774229.991294438 | 7682506.376850001 | 23456736.368144438 | 0.6724818723169318 Bons B.R.H. | 0 | 500000 | 500000 | 0 | 0 | 300000 | 300000 | 0 Bons du Trésor / M.E.F. | 0 | 1718861.05416 | 0 | 0 | 0 | 0 Autres Placements | 6811440.524046279 | 761415.7709011787 | 7572856.2949474575 | 0.8994546124677965 | 5567922.140431037 | 2132281.8964722063 | 7700204.0369032435 | 0.7230876108927451 Portefeuille net | 8877949.699651983 | 4100385.7846367 | 12978335.484288683 | 0.6840591931376295 | 9592424.455754189 | 3802339.2084841365 | 13394763.664238326 | 0.7161324153381132 Immobilisations | 0 | 4608708.7983800005 | 4608708.7983800005 | 0 | 0 | 4966107.878949999 | 4966107.878949999 | 0 Autres actifs | 381170.15085338545 | 1272376.905430689 | 1653547.0562840744 | 0.23051666380149363 | 241366.96977589055 | 1138587.8263370583 | 1379954.7961129488 | 0.17490933069385467 34594936.09427945 | 22927081.59436857 | 57522017.68864802 | 0.6014207686790995 | 31175943.557255555 | 20021823.1870934 | 51197766.74434896 | 0.6089317081530056 PASSIF Dépôts À vue | 15187912.464357667 | 8255472.03063 | 23443384.494987667 | 0.6478549403822188 | 12822495.546661673 | 6669691.35661 | 19492186.903271675 | 0.6578274469813069 Épargne | 6725287.296177327 | 4524211.39198 | 11249498.688157327 | 0.5978299551478886 | 5852154.614133574 | 3766692.04111 | 9618846.655243574 | 0.608405022336369 À terme | 10768448.886183126 | 3071458.5962199997 | 13839907.482403126 | 0.7780723173095461 | 11128552.820514958 | 3032991.6880900003 | 14161544.508604959 | 0.7858290325432322 32681648.646718122 | 15851142.01883 | 48532790.66554812 | 0.6733931471597363 | 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 | 1296821.8428295949 | 1668707.3472572307 | 2965529.1900868258 | 0.4372986268908134 | 887314.1517261781 | 1570063.1116099549 | 2457377.263336133 | 0.36108177810742875 1296821.8428295949 | 1668707.3472572307 | 2965529.1900868258 | 0.4372986268908134 | 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 | 528821.773062084 | 240411.42004342075 | 769233.1931055047 | 0.6874661387493624 | 458664.5798391439 | 206933.76015432633 | 685624.6318052914 | 0.6689733107042145 528821.773062084 | 240411.42004342075 | 769233.1931055047 | 0.6874661387493624 | 458664.5798391439 | 206933.76015432633 | 665598.3399934702 | 0.6891011474632638 Autres passifs | 63170.94688301762 | 959882.2059477189 | 1023053.1528307366 | 0.061747472952140156 | 26479.647376866393 | 906476.9892591155 | 932956.636635982 | 0.028382506042666306 34570463.20949282 | 18720142.99207837 | 53290606.20157119 | 0.6487158933552075 | 31175661.360252395 | 16152848.946833396 | 47328

510.3070858 | 0.6587078519474323 AVOIR DES ACTIONNAIRES Capital versé | 0 | 748950.00079 | 748950.00079 | 0 | 0 | 750000 | 750000 | 0 Réserves | 0 | 509253.044 | 509253.044 | 0 | 0 | 477378.60000000003 | 477378.60000000003 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 1420114.85189 | 1420114.85189 | 0 | 0 | 1432779.18618 | 1432779.18618 | 0 BNR | 0 | 1553093.5903968383 | 1553093.5903968383 | 0 | 0 | 1209098.651083157 | 1209098.651083157 | 0 0 | 4231411.4870768385 | 4231411.4870768385 | 0 | 3869256.4372631568 | 3869256.4372631568 34570463.20949282 | 22951554.47915521 | 57522017.68864803 | 0.6009953162042037 | 31175661.360252395 | 20022105.38409655 | 51197766.74434894 | 0.6089261962523682 *Converties au taux de 130.5279 Gdes | *Converties au taux de 130.6911 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 | -0.0008086101379559166 | 357362.85696999996 | 0.031102233019513512 | 368477.63982 | 0 | 0 | 351115.96291999996 | 0.02582886079738398 | 360184.8882500001 | -0.031871754103220885 | 348705.16406 | -0.019473298906556028 | 341914.72416999994 Intérêts sur Bons B.R.H. | 4095 | 0.837142857142857 | 7523.099999999999 | -0.3157076205287713 | 5148 | 0 | 0 | 1579.5 | -0.3333333333333333 | 1053 | 2.190476191832858 | 3359.5714299999995 | 0.19402984981331403 | 4011.42857 Autres | 104862.053029724 | 0.1359467195263583 | 119117.705141914 | -0.04088808751811846 | 114247.209989114 | 0 | 0 | 48988.575561733 | 0.22312343022507186 | 59919.07458290699 | 0.14850975524871493 | 68817.641683944 | 0.34962727105539 | 92878.165946369 466609.111079724 | 0.037278635627022674 | 484003.66211191396 | 0.007994128970671697 | 487872.849809114 | 0 | 0 | 401684.03848173295 | 0.048478212937653746 | 421156.9628329071 | -0.0006519793881978684 | 420882.377173944 | 0.042581829234009605 | 438804.31868636893 Dépenses d'intérêt | 134005.26234000002 | -0.011192959468967725 | 132505.34687 | 0.028938445961444684 | 136339.84569 | 0 | 0 | 109824.37074000001 | -0.05918389503353336 | 103324.53671 | 0.06519789698072768 | 110061.07921 | 0.13664073701572055 | 125099.90619 332603.84873972397 | 0.0568077205774479 | 351498.31524191395 | 9.868860161162753e-05 | 351533.004119114 | 0 | 0 | 291859.6677417329 | 0.08899057064697789 | 317832.4261229071 | -0.022059197182894803 | 310821.29796394403 | 0.009275794648921842 | 313704.4124963689 AUTRES REVENUS Commissions | 199793.04589 | 0.16315504153623223 | 232390.2885908333 | -0.0851271194174804 | 212607.5727424987 | 0 | 0 | 174582.2300233334 | 0.05868499142061488 | 184827.58669444453 | 0.06745939916637086 | 197295.94464222208 | 0.04134722977996172 | 205453.58539999864 Gains sur change | 82726.80373999997 | 0.05398334988107525 | 87192.67373083944 | -0.8679021218604208 | 11517.967189160514 | 0 | 0 | 62394.19291 | 0.16889348960064618 | 72932.1658813858 | -0.0030475645091507116 | 72709.90040107019 | 0.18733833189266 | 86331.25185428813 Autres | 61045.90431521536 | 1.1762868121687748 | 132853.3964981201 | 0.8469241473219715 | 245370.14604611826 | 0 | 0 | 42880.469515443445 | 0.23436414023550967 | 52930.11388632533 | -0.11347291381498761 | 46923.979635084856 | 0.4136290157250237 | 66333.09914544606 343565.7539452153 | 0.3168843332736183 | 452436.35881979286 | 0.03770547354435632 | 469495.68597777747 | 0 | 0 | 279856.8924487768 | 0.11017407412619759 | 310689.86646215565 | 0.020084202575630362 | 316929.82467837713 | 0.12995972140884413 | 358117.93639973283 PRODUIT NET BANCAIRE | 676169.6026849393 | 0.18895417787110952 | 803934.6740617068 | 0.021262941612930932 | 821028.6900968915 | 0 | 0 | 571716.5601905098 | 0.09935995622660287 | 628522.2925850628 | -0.0012269571848754484 | 6277

51.1226423212 | 0.07020493419155775 | 671822.3488961018 Dotation à la provision pour créances douteuses | 9690.058850497573 | -1.3570078708641884 | -3459.4272787648224 | -2.3656257522248425 | -11643.137537359995 | 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 | 0.21143118166134447 | 807394.1013404715 | 0.031307791637086156 | 832671.8276342514 | 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 | 0.014949102024098212 | 240265.24605999995 | 0.00834191229429612 | 242269.51766999994 | 0 | 0 | 225108.03574999998 | 0.006063160364100955 | 226472.90187 | 0.016420675539074826 | 230191.73991 | -0.020535540075625792 | 225464.62821000017 Frais de locaux | 83648.77286 | 0.04415800451946999 | 87342.53575 | 0.06649948859539509 | 93150.76971000001 | 0 | 0 | 89248.43530000001 | 0.010175300742779461 | 90156.56497 | -0.00804721176146658 | 89431.056 | -0.047451565112439906 | 85187.41242314174 Amortissement | 24400.689579999995 | 0.0018271831971730288 | 24445.274110000006 | 0.04330903369035675 | 25503.97531 | 0 | 0 | 24080.07539 | -0.018316154864829147 | 23639.021 | 0.040005582295476495 | 24584.713799999998 | 0.5190278237040122 | 37344.864299999994 Autres dépenses d'exploitation | 213232.245989884 | 0.019746035355205027 | 217442.73745807 | -0.02775707360954694 | 211407.16338858497 | 0 | 0 | 193919.39715713199 | 0.03118496592224789 | 199966.76694914 | -0.10060173023238714 | 179849.76420508 | 0.3097004470440143 | 235549.31658015383 558008.107399884 | 0.0205869517411036 | 569495.79337807 | 0.004979198676244644 | 572331.426078585 | 0 | 0 | 532355.943597132 | 0.014800832575978275 | 540235.2547891401 | -0.029946177578459812 | 524057.27391508 | 0.11351611848413264 | 583546.2215132958 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 108471.43643455766 | 1.1931885091789018 | 237898.30796240154 | 0.09433481803835181 | 260340.40155566647 | 0 | 0 | 52275.838989890064 | 0.38189803740229344 | 72239.87930368737 | 1.491914145520188 | 180015.57710752962 | -0.3041500103007282 | 125263.83747598296 Impôts sur le revenu | 32788.84285036735 | 1.1818146604072366 | 71539.17802872049 | 0.08857531960229652 | 77875.7835867 | 0 | 0 | 15682.751696967101 | 0.35443111652491693 | 21241.206891106187 | 1.5534445817790044 | 54238.24464654194 | -0.30697553232870967 | 37588.43062359494 BÉNÉFICE NET (PERTE NETTE) | 75682.59358419031 | 1.1981161328545245 | 166359.12993368105 | 0.09681156688969147 | 182464.6179689665 | 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- juin 26) | 2025 (oct.24-juin 25) | 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 | 357362.85696999996 | -0.007834951915143573 | 360184.8882500001 | 368477.63982 | 0.05670256078168618 | 348705.16406 | 0 | 0 | 341914.72416999994 | 1083492.5548399999 | 0.022156987104364454 | 1060006.01523 | 1401920.7393999998 Intérêts sur Bons B.R.H. | 4095 | 1.5925925925925926 | 1579.5 | 7523.099999999999 | 6.144444444444444 | 1053 | 5148 | 0.5323383078061241 | 3359.5714299999995 | 0 | 0 | 4011.42857 | 16766.1 | 1.7980474191376585 | 5992.07143 | 10003.5 Autres | 104862.053029724 | 1.140540969548747 | 48988.575561733 | 119117.705141914 | 0.9879763826642025 | 59919.07458290699 | 114247.209989114 | 0.660144218742812 | 68817.641683944 | 0 | 0 | 92878.165

946369 | 338226.968160752 | 0.903088551329947 | 177725.29182858398 | 270603.457774953 466609.111079724 | 0.16163219440680757 | 401684.03848173295 | 484003.66211191396 | 0.14922393507700624 | 421156.9628329071 | 487872.849809114 | 0.15916673224710445 | 420882.377173944 | 0 | 0 | 438804.31868636893 | 1438485.623000752 | 0.15659611122599454 | 1243723.378488584 | 1682527.6971749528 Dépenses d'intérêt | 134005.26234000002 | 0.22017782972092995 | 109824.37074000001 | 132505.34687 | 0.28241897896819523 | 103324.53671 | 136339.84569 | 0.2387652989469536 | 110061.07921 | 0 | 0 | 125099.90619 | 402850.4549 | 0.2464047261131743 | 323209.98666 | 448309.89285 332603.84873972397 | 0.1396019577259495 | 291859.6677417329 | 351498.31524191395 | 0.10592339343622584 | 317832.4261229071 | 351533.004119114 | 0.13098106990046943 | 310821.29796394403 | 0 | 0 | 313704.4124963689 | 1035635.1681007519 | 0.12506257626896713 | 920513.391828584 | 1234217.804324953 AUTRES REVENUS Commissions | 199793.04589 | 0.14440654047835863 | 174582.2300233334 | 232390.2885908333 | 0.2573355133128425 | 184827.58669444453 | 212607.5727424987 | 0.07760741422254194 | 197295.94464222208 | 0 | 0 | 205453.58539999864 | 644790.907223332 | 0.1582256767886595 | 556705.76136 | 762159.3467599987 Gains sur change | 82726.80373999997 | 0.32587344882124825 | 62394.19291 | 87192.67373083944 | 0.19553111685516664 | 72932.1658813858 | 11517.967189160514 | -0.8415901118605991 | 72709.90040107019 | 0 | 0 | 86331.25185428813 | 181437.44465999992 | -0.12785662766532097 | 208036.25919245597 | 294367.51104674407 Autres | 61045.90431521536 | 0.42362956854354444 | 42880.469515443445 | 132853.3964981201 | 1.5099775296807592 | 52930.11388632533 | 245370.14604611826 | 4.229099235706259 | 46923.979635084856 | 0 | 0 | 66333.09914544606 | 439269.4468594537 | 2.0775268268137386 | 142734.56303685362 | 209067.66218229968 343565.7539452153 | 0.22764799872884803 | 279856.8924487768 | 452436.35881979286 | 0.45623146313625584 | 310689.86646215565 | 469495.68597777747 | 0.4813868857379559 | 316929.82467837713 | 0 | 0 | 358117.93639973283 | 1265497.7987427856 | 0.3945239156887195 | 907476.5835893096 | 1265594.5199890423 PRODUIT NET BANCAIRE | 676169.6026849393 | 0.18270074678197748 | 571716.5601905098 | 803934.6740617068 | 0.27908696882522116 | 628522.2925850628 | 821028.6900968915 | 0.30788884397534666 | 627751.1226423212 | 0 | 0 | 671822.3488961018 | 2301132.9668435375 | 0.258832377523011 | 1827989.9754178936 | 2499812.3243139954 Dotation à la provision pour créances douteuses | 9690.058850497573 | 1.7502819969336596 | -12915.2223965123 | -3459.4272787648224 | -1.2155788067051696 | 16047.158492235349 | -11643.137537359995 | 0.8474466212381131 | -76321.72838028843 | 0 | 0 | -36987.71009317697 | -5412.505965627244 | 0.9260483491388639 | -73189.79228456538 | -110177.50237774235 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 666479.5438344417 | 0.13999882265250718 | 584631.782587022 | 807394.1013404715 | 0.31824796860749277 | 612475.1340928274 | 832671.8276342514 | 0.1826500999503987 | 704072.8510226096 | 0 | 0 | 708810.0589892787 | 2306545.472809165 | 0.21321797759113698 | 1901179.767702459 | 2609989.826691738 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 236726.39897000004 | 0.05161238771992643 | 225108.03574999998 | 240265.24605999995 | 0.06090063789581779 | 226472.90187 | 242269.51766999994 | 0.05246833689480817 | 230191.73991 | 0 | 0 | 225464.62821000017 | 719261.1627 | 0.054986781379707604 | 681772.67753 | 907237.3057400002 Frais de locaux | 83648.77286 | -0.06274241583258339 | 89248.43530000001 | 87342.53575 | -0.03121269339549917 | 90156.56497 | 93150.76971000001 | 0.04159308719333484 | 89431.056 | 0 | 0 | 85187.41242314174 | 264142.07832000003 | -0.017460373489803283 | 268836.05627 | 354023.4686931417 Amortissement | 24400.689579999995 | 0.013314501088860292 | 24080.07539 | 24445.274110000006 | 0.0341068739691041 | 23639.021 | 25503

.97531 | 0.03739158883354599 | 24584.713799999998 | 0 | 0 | 37344.864299999994 | 74349.93900000001 | 0.0282990454392817 | 72303.81019 | 109648.67449 Autres dépenses d'exploitation | 213232.245989884 | 0.09959214558151133 | 193919.39715713199 | 217442.73745807 | 0.08739437445310545 | 199966.76694914 | 211407.16338858497 | 0.17546533532020955 | 179849.76420508 | 0 | 0 | 235549.31658015383 | 642082.146836539 | 0.11912487113426398 | 573735.9283113519 | 809285.2448915057 558008.107399884 | 0.04818611327868386 | 532355.943597132 | 569495.79337807 | 0.054162586261332836 | 540235.2547891401 | 572331.426078585 | 0.09211617616307999 | 524057.27391508 | 0 | 0 | 583546.2215132958 | 1699835.3268565391 | 0.06462715891774064 | 1596648.4723013518 | 2180194.693814648 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 108471.43643455766 | 1.0749822199034549 | 52275.838989890064 | 237898.30796240154 | 2.2931714484503356 | 72239.87930368737 | 260340.40155566647 | 0.44621040989222843 | 180015.57710752962 | 0 | 0 | 125263.83747598296 | 606710.1459526257 | 0.9922751950780955 | 304531.29540110705 | 429795.13287709 Impôts sur le revenu | 32788.84285036735 | 1.090758272778648 | 15682.751696967101 | 71539.17802872049 | 2.3679431868193115 | 21241.206891106187 | 77875.7835867 | 0.4358094384174564 | 54238.24464654194 | 0 | 0 | 37588.43062359494 | 182203.80446578783 | 0.9986770613350331 | 91162.20323461524 | 128750.63385821017 BÉNÉFICE NET (PERTE NETTE) | 75682.59358419031 | 1.0682210543855146 | 36593.087292922966 | 166359.12993368105 | 2.2620286384678687 | 50998.67241258118 | 182464.6179689665 | 0.4506955617425063 | 125777.33246098767 | 0 | 0 | 87675.40685238803 | 424506.34148683783 | 0.9895399899606627 | 213369.0921664918 | 301044.49901887984 [BUHVARAN] BANQUE DE L'UNION HAÏTIENNE (BUH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Juin) | ANNÉE 2026 | Var. | 2025 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1083492.5548399999 | 0.022156987104364454 | 1060006.01523 | 1401920.7393999998 | -0.03002440710179735 | 1445315.479754684 | -0.2140524867704151 | 1838946.565039248 | 0.09371265544447775 | 1681379.982105 Intérêts sur Bons B.R.H. | 16766.1 | 1.7980474191376585 | 5992.07143 | 10003.5 | 3.0714285714285716 | 2457 | 0.9687477441432097 | 1248.00143 | 4.333339444444444 | 234 Autres | 338226.968160752 | 0.903088551329947 | 177725.29182858398 | 270603.457774953 | 0.03297341862510142 | 261965.55777314102 | -0.5563720435080589 | 590507.324751748 | 1.6383286353619217 | 223818.714938347 1438485.623000752 | 0.15659611122599454 | 1243723.378488584 | 1682527.6971749528 | -0.01591491781525585 | 1709738.037527825 | -0.29660727063943443 | 2430701.891220996 | 0.2756692456221138 | 1905432.697043347 Dépenses d'intérêt | 402850.4549 | 0.2464047261131743 | 323209.98666 | 448309.89285 | -0.08189624013904999 | 488299.81146999996 | 0.007959361166226428 | 484443.94713 | -0.019468121244006497 | 494062.41411 1035635.1681007519 | 0.12506257626896713 | 920513.391828584 | 1234217.804324953 | 0.010462729915022924 | 1221438.2260578251 | -0.37241708902655224 | 1946257.9440909962 | 0.37898464182337455 | 1411370.282933347 AUTRES REVENUS Commissions | 644790.907223332 | 0.1582256767886595 | 556705.76136 | 762159.3467599987 | 0.14192522664797805 | 667433.6716399996 | 0.07231110326185491 | 622425.4039800001 | 0.38508481317249577 | 449377.10533000005 Gains sur change | 181437.44465999992 | -0.12785662766532097 | 208036.25919245597 | 294367.51104674407 | 0.06385607562087767 | 276698.622861131 | -0.10133828014682043 | 307900.75592219183 | -0.2634857259213652 | 418051.30838417186 Autres | 439269.4468594537 | 2.0775268268137386 | 142734.56303685362 | 209067.66218229968 | -0.0964691029213711 | 231389.61031468277 | 1.405287595277137 | -570926.9491864359 | -3.4901587744964595 | 229273.31182 1265497.7987427856 | 0.3945239156887195 | 907476.5835893

096 | 1265594.5199890423 | 0.07662351063321278 | 1175521.9048158133 | 2.2707971241080926 | 359399.21071575605 | -0.6722908313646511 | 1096701.7255341718 PRODUIT NET BANCAIRE | 2301132.9668435375 | 0.258832377523011 | 1827989.9754178936 | 2499812.3243139954 | 0.04290943020519491 | 2396960.130873638 | 0.0395995457852616 | 2305657.154806752 | -0.08070535972547532 | 2508072.0084675187 Dotation à la provision pour créances douteuses | -5412.505965627244 | 0.9260483491388639 | -73189.79228456538 | -110177.50237774235 | -6.453827551859867 | 20201.867648009804 | 1.0319787274132488 | -631728.3169823756 | -4.719491321520092 | 169842.66459430777 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2306545.472809165 | 0.21321797759113698 | 1901179.767702459 | 2609989.826691738 | 0.0981301157441136 | 2376758.2632256285 | -0.19085925696433284 | 2937385.4717891277 | 0.25624352439416026 | 2338229.343873211 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 719261.1627 | 0.054986781379707604 | 681772.67753 | 907237.3057400002 | 0.05846433003593184 | 857126.00793 | -0.1276990717956051 | 982603.57202 | 0.2891304210305672 | 762222.0032899999 Frais de locaux | 264142.07832000003 | -0.017460373489803283 | 268836.05627 | 354023.4686931417 | -0.20930527454583728 | 447737.2332157599 | 0.10107362378645891 | 406636.96190999995 | 0.31185426955200085 | 309971.1388284514 Amortissement | 74349.93900000001 | 0.0282990454392817 | 72303.81019 | 109648.67449 | 0.11163659846381861 | 98637.15772000002 | -0.05025161402318337 | 103856.09407332834 | 0.24535197758936964 | 83394.97262 Autres dépenses d'exploitation | 642082.146836539 | 0.11912487113426398 | 573735.9283113519 | 809285.2448915057 | -0.019822727592264628 | 825651.9179469999 | -0.1579535864765877 | 980530.1758749709 | 0.175190961738229 | 834358.166288707 1699835.3268565391 | 0.06462715891774064 | 1596648.4723013518 | 2180194.693814648 | -0.021962439546576815 | 2229152.3168127597 | -0.09883240539043223 | 2473626.803878299 | 0.2430621004510119 | 1989946.2810271583 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 606710.1459526257 | 0.9922751950780955 | 304531.29540110705 | 429795.13287709 | 1.9117738365018808 | 147605.9464128688 | -0.681718193909315 | 463758.6679108287 | 0.33155676340143475 | 348283.0628460529 Impôts sur le revenu | 182203.80446578783 | 0.9986770613350331 | 91162.20323461524 | 128750.63385821017 | 5.590107589982024 | 19536.954761395842 | -0.7629137312526508 | 82404.4128098173 | -0.2113272067033035 | 104484.91885381544 BÉNÉFICE NET (PERTE NETTE) | 424506.34148683783 | 0.9895399899606627 | 213369.0921664918 | 301044.49901887984 | 1.3506431583231524 | 128068.99165147296 | -0.6641731672364568 | 381354.2551010114 | 0.5642213220177498 | 243798.14399223748 [capitalbkinfin ] CAPITAL BANK (CAPITALBK) INDICATEURS FINANCIERS Var. juin 26 | 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 | 0.03228974451704181 | 56643072 | 0.010044829489474017 | 57212042 | 0 | 0 | 0.07612314863485832 | 53164958 | 0.017126888329653065 | 52269740 | 0.06799572554396131 | 48941900 | 0.06915401568401595 | 45776286 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1500000 | 1.7272727272727273 | 550000 | 0 | 0 Prêts nets | 12359578 | -0.027226415011904127 | 12023071 | -0.0156392655420566 | 11835039 | 0 | 0 | -0.020802034540794486 | 12086462 | 0.04470358295602645 | 11569274 | -0.09367812179521277 | 12765083 | -0.12027296239761653 | 14510277 Dépôts | 42795387 | 0.05138694037280233 | 44994511 | 0.022372440051632077 | 46001148 | 0 | 0 | 0.08807179732226063 | 42277677 | 0.04549715515424416 | 40437869 | 0.05873012714594621 | 38194690 | 0.031501297981876106 | 37028252 Avoir des Actionnaires | 6022719 | -0.03251205975241415 | 5826908 | 0.03926936893460477 | 6055727 | 0 | 0 | 0.060157178538272155 | 5712103 | 0.0590339

6041153258 | 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 - juin 26) | (oct. 24- juin 25) Résultats Revenus nets d'intérêt | 498841 | 0.1640178181826667 | 428551 | 497614 | 0.1721748225062541 | 424522 | 508713 | 0.1476342914379691 | 443271 | 0 | 0 | 498742 | 1505168 | 0.16108687200311028 | 1296344 Autres revenus | 706333 | 0.2954557542655606 | 545239 | 661284 | 0.14596554221961897 | 577054 | 655693 | 0.03809995756996207 | 631628 | 0 | 0 | 761089 | 2023310 | 0.15359243660347302 | 1753921 Dot. à la prov. pr créances douteuses | 13428 | -0.1133122028526149 | 15144 | 4938 | -0.24124154886293792 | 6508 | 14745 | 0.7972940029254022 | 8204 | 0 | 0 | 21033 | 33111 | 0.10902331189710611 | 29856 Dépenses d'exploitation | 763003 | -0.06349779131179754 | 814737 | 811578 | 0.0032102113646674028 | 808981 | 833549 | 0.06377556229389364 | 783576 | 0 | 0 | 832404 | 2408130 | 0.00034727789792189905 | 2407294 Bénéfice (perte) net | 310813 | 1.2909486253409008 | 135670 | 248152 | 0.43557465911523263 | 172859 | 228819 | -0.062217213114754095 | 244000 | 0 | 0 | 305168 | 787784 | 0.42577855641966306 | 552529 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 - juin 26) | (oct. 24- juin 25) | 2025 | 2024 | 2023 | 2022 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.10976083814465312 | 0.10375546089337621 | 0.10287062114145222 | 0.09553559227411941 | 0.10584706974800864 | 0.09915958354234825 | 0 | 0.10744112691671834 | 0.10584706974800864 | 0.09915958354234825 | 0.10744112691671834 | 0.1031895701030845 | 0.10552232340795924 | 0.10227315077505414 Dépôts en % de l'actif | 0.7799230789025343 | 0.7735330399712156 | 0.7943515316400919 | 0.784097866853361 | 0.8040466026365568 | 0.7807511420498926 | 0 | 0.7952169735561533 | 0.8040466026365568 | 0.7807511420498926 | 0.7952169735561533 | 0.7736382273950473 | 0.7804088112639681 | 0.8088959423226253 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.012882944480470502 | 0.025252646383929597 | 0.009122036644972424 | 0.01813645517169242 | 0.007671927896822245 | 0.017450730328672 | 0 | 0.008083713119960893 | 0.007671927896822245 | 0.017450730328672 | 0.008083713119960893 | 0.013240075016499053 | 0.0074986244129951725 | 0.006870518254882838 Provisions pour créances douteuses en % des prêts improductifs bruts | 2.440719721162795 | 1.2231475464467216 | 3.6244566894423627 | 1.8751841841208428 | 4.439323822593857 | 1.8472724638599765 | 0 | 3.9664553199920745 | 4.439323822593857 | 1.8472724638599765 | 3.9664553199920745 | 2.2618946595147778 | 4.463129196748624 | 3.231813411536236 Prêts improductifs nets en % de l'avoir des actionnaires | -0.039326091753575085 | -0.012169646998271267 | -0.05108695726790263 | -0.03750406261246028 | -0.053386323392715686 | -0.03461166076529494 | 0 | -0.05242097350135318 | -0.053386323392715686 | -0.03461166076529494 | -0.05242097350135318 | -0.03694352588171516 | -0.06640980872551512 | -0.048604081650089656 Rentabilité ROA (rendement de l'actif) | 0.02301546008862766 | 0.010307202125196627 | 0.0178023344149638 | 0.012915179983761044 | 0.016077907576466 | 0.017979249514440524 | 0 | 0.02266956827206097 | 0.019032564151347957 | 0.013796322478628815 | 0.0162697293446

9827 | 0.016579160262594303 | 0.025372424256520285 | 0.028301767134140763 ROE (rendement avoir des action.) | 0.21189107086583844 | 0.09961097607669905 | 0.1675340498059559 | 0.12966171381207905 | 0.1540526995906211 | 0.1846758933341558 | 0 | 0.21956431842395 | 0.17851696815244045 | 0.13641899369977933 | 0.15445936108130937 | 0.15892966147968088 | 0.24407819179642637 | 0.27508870963298454 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8312894425919167 | 0.7556752658214456 | 0.8332451440053583 | 0.7627509356465618 | 0.8330748634640421 | 0.7851730221485355 | 0 | 0.8293264514069261 | 0.8325384999164789 | 0.7678721310912204 | 0.7840135289357013 | 0.7813907597271674 | 0.8223966371902904 | 0.7993268773615595 Rendement moyen des prêts | 0.15499384279597228 | 0.1504897486517485 | 0.15524350069458226 | 0.15346975209035807 | 0.1628789428524231 | 0.15208022612035077 | 0 | 0.15951375146386731 | 0.1596052661487484 | 0.14995122158773924 | 0.1543201959884209 | 0.16147344511706513 | 0.16463297582703698 | 0.14536228814988364 Rendement moyen des prêts productifs | 0.15664003076735375 | 0.15344124932434383 | 0.15697443747442025 | 0.1568655547122441 | 0.16425910089275406 | 0.15483430607354684 | 0 | 0.16158182936022947 | 0.16087290801459853 | 0.15229782377794984 | 0.15597394300143344 | 0.16314125046881425 | 0.1658212992370864 | 0.14619540671723333 Rémunération moyenne des dépôts | 0.009520287173387806 | 0.013607662388965084 | 0.009074939351222392 | 0.012666833605643395 | 0.008961482437310554 | 0.011421843714575584 | 0 | 0.009677293516324128 | 0.009145507619371539 | 0.012589111063829197 | 0.011957244409654262 | 0.013739245088030264 | 0.012338974989837543 | 0.012266024250557107 Dépenses d'exploitation en % du produit net bancaire | 0.6331060909047158 | 0.8366660162868791 | 0.7003014933152012 | 0.8077080521098748 | 0.7158576991186922 | 0.7289763968521694 | 0 | 0.6607267165199142 | 0.6824840625334776 | 0.7892081507672284 | 0.7516533274432866 | 0.7231875945464978 | 0.6275988950655973 | 0.5830335656071177 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 6297.447419986936 | 5152.328042328042 | 6143.925778661365 | 5123.150895140665 | 6289.836596893991 | 5494.691373801917 | 0 | 6485.616473616474 | 6260.3291195387 | 5376.100462656973 | 5735.324018629408 | 6045.573388203018 | 8537.203230735648 | 5034.915632754342 [capitalbkvar] CAPITAL BANK (CAPITALBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var. juin 26 | 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 | 0.4948539152556895 | 2268097 | -0.01692564295089672 | 2229708 | 0 | 0 | 0.019486166550073385 | 2187090 | 0.13949395420954572 | 1919352 | -0.04363970115609183 | 2006934 | 0.6036946119842358 | 1251444 Avoirs à la BRH | 20992155 | 0.050225286541567556 | 22046492 | 0.020697124966638683 | 22502791 | 0 | 0 | 0.06771075194191312 | 21075737 | 0.06739966477478908 | 19744935 | 0.10293504018003624 | 17902174 | 0.013660043287653393 | 17660925 Avoirs à l'étranger | 7880651 | 0.09099375165833382 | 8597741 | 0.03572008042577696 | 8904853 | 0 | 0 | 0.18657900361429536 | 7504644 | -0.08656900626043329 | 8215885 | 0.19132538834619217 | 6896424 | 0.39151706995514773 | 4956047 Avoirs dans les banques locales | 95187 | 0.4993328920966098 | 142717 | 0.3931556857276989 | 198827 | 0 | 0 | 3.209939019225883 | 47228 | 0.9353358193664714 | 24403 | -0.47794369330823205 | 46744 | 0.1998254575322775 | 38959 Autres liquidités | 272872 | 0.3556062915945938 | 369907 | -0.20324027390668464 | 294727 | 0 | 0 | -0.3385616661243085 | 445585 | 0.23826925481804667 | 359845 | -0.20034266742814985 | 449999 | 1.0439820492555347 | 220158 30758135 | 0.08670288364362794 | 33424954 | 0.021120507749988228 | 34130906 | 0 | 0 | 0.09182968395296728 | 31260284 | 0.03290543813494526 |

30264420 | 0.108494438650259 | 27302275 | 0.13158170791850124 | 24127533 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1500000 | 1.7272727272727273 | 550000 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 1077000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 7968701 | -0.11991163929980558 | 7013161 | -0.11682321281373692 | 6193861 | 0 | 0 | -0.059407623069418915 | 6585064 | 0.1951552488857123 | 5509798 | 0.08364640914402956 | 5084498 | 0.08714690162476622 | 4676919 Portefeuille net | 12359578 | -0.027226415011904127 | 12023071 | -0.0156392655420566 | 11835039 | 0 | 0 | -0.020802034540794486 | 12086462 | 0.04470358295602645 | 11569274 | -0.09367812179521277 | 12765083 | -0.12027296239761653 | 14510277 Immobilisations | 2190492 | -0.03587641497891798 | 2111905 | -0.005248815642749082 | 2100820 | 0 | 0 | -0.04001396462964029 | 2188386 | 0.1994948539894531 | 1824423 | 0.12251806595110426 | 1625295 | 0.17732684484417194 | 1380496 Autres actifs | 1594386 | 0.2982935123614984 | 2069981 | -0.09447671258818317 | 1874416 | 0 | 0 | 0.7941081318041813 | 1044762 | -0.34776770246437655 | 1601825 | -0.008003720702102927 | 1614749 | 0.49367056993083647 | 1081061 54871292 | 0.03228974451704181 | 56643072 | 0.010044829489474017 | 57212042 | 0 | 0 | 0.07612314863485832 | 53164958 | 0.017126888329653065 | 52269740 | 0.06799572554396131 | 48941900 | 0.06915401568401595 | 45776286 PASSIF Dépôts À vue | 19454895 | 0.10218081362042818 | 21442812 | 0.041878369310890756 | 22340802 | 0 | 0 | 0.12459847008753482 | 19865581 | 0.03062273732656447 | 19275318 | 0.09186911653696439 | 17653506 | 0.0008623849414016491 | 17638295 Épargne | 13558125 | 0.06466270225418337 | 14434830 | 0.014907969127450757 | 14650024 | 0 | 0 | 0.13769840185088084 | 12876896 | 0.17705921669399174 | 10939888 | 0.026711477043753935 | 10655270 | 0.1300746010635477 | 9428820 À terme | 9782367 | -0.06803036524800184 | 9116869 | -0.01168679729850237 | 9010322 | 0 | 0 | -0.0550463545599463 | 9535200 | -0.06724891547339475 | 10222663 | 0.03406351704050834 | 9885914 | -0.007551647969503883 | 9961137 42795387 | 0.05138694037280233 | 44994511 | 0.022372440051632077 | 46001148 | 0 | 0 | 0.08807179732226063 | 42277677 | 0.04549715515424416 | 40437869 | 0.05873012714594621 | 38194690 | 0.031501297981876106 | 37028252 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 650000 | 0 | 650000 | 1.1666666666666667 | 300000 Banques à l'étranger | 0 | 0 | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4272247 | -0.13505118032735466 | 3695275 | -0.14945328832089627 | 3143004 | 0 | 0 | -0.02280684463394789 | 3216359 | -0.05996689208186494 | 3421538 | 0.3688676191889784 | 2499539 | 0.45143811784599375 | 1722112 4272247 | -0.13505118032735466 | 3695275 | -0.14945328832089627 | 3143004 | 0 | 0 | -0.02280684463394789 | 3216359 | -0.21003831967182918 | 4071538 | 0.29274093764198506 | 3149539 | 0.5575492356506464 | 2022112 Obligations à terme Banques locales | 290747 | -0.04313716048660863 | 278205 | -0.03721356553620531 | 267852 | 0 | 0 | -0.11683943974044472 | 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 Autres | -73499 | 2.9679995646199266 | 144646 | 0.28050551000373325 | 185220 | 0 | 0 | 3.943644512253266 | -62922 | -1.3010377146356515 | 209017 | -0.24792656906099214 | 277921 | 2.4908120329083716 | 79615 217248 | 0.9463976653409928 | 422851 | 0.07146961932217259 | 453072 | 0 | 0 | 0.8849254886298394 | 240366 | -0.5834225877899903 | 577002 | -0.19071669712572178 | 712979 | 0.22535932615282553 | 581853 Autres passifs | 1563691 | 0.08942687525860288 | 1703527 | -0.08478644600291044 | 1559091 | 0 | 0 | -0.09273573382571418 | 1718453 | -0.039776737096140616 | 1789639 | 0.040349279078541286 | 1720229 | 0.176318258405453 | 1462384 48848573 | 0.04

027939567446525 | 50816164 | 0.006693755947418621 | 51156315 | 0 | 0 | 0.07804504070408408 | 47452855 | 0.012304940894334778 | 46876048 | 0.07078100529274932 | 43777437 | 0.06528439100795747 | 41094601 AVOIR DES ACTIONNAIRES Capital versé | 2025000 | 0 | 2025000 | 0 | 2025000 | 0 | 0 | 0 | 2025000 | 0 | 2025000 | 0 | 2025000 | 0 | 2025000 Réserves | 811026 | 0.2260235800085324 | 994337 | 0.010066003779402758 | 1004346 | 0 | 0 | 0.2534364025289726 | 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 | 1384 | 0 | 1384 | 0 | 0 | 0 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 BNR | 3185309 | -0.11902204778249144 | 2806187 | 0.07797413358411254 | 3024997 | 0 | 0 | 0.0487275715085571 | 2884445 | 0.08403019633177781 | 2660853 | 0.0299670787149667 | 2583435 | 0.16743420562090672 | 2212917 6022719 | -0.03251205975241415 | 5826908 | 0.03926936893460477 | 6055727 | 0 | 0 | 0.060157178538272155 | 5712103 | 0.05903396041153258 | 5393692 | 0.04438583450012131 | 5164463 | 0.10312056449761144 | 4681685 54871292 | 0.03228974451704181 | 56643072 | 0.010044829489474017 | 57212042 | 0 | 0 | 0.07612314863485832 | 53164958 | 0.017126888329653065 | 52269740 | 0.06799572554396131 | 48941900 | 0.06915401568401595 | 45776286 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 43467 | 0.16596498493109715 | 50681 | 0.3988082318817703 | 70893 | 0 | 0.486818648937732 | 47681 | -0.6512175674983725 | 136707 | -0.5013768879778531 | 274169 | 323187 Portefeuille brut | 12760825 | -0.025597874745559163 | 12434175 | -0.014624532789670405 | 12252331 | 0 | 0 | -0.018780177780824543 | 12486836 | 0.046987437914221365 | 11926443 | -0.09696656091285522 | 13207089 | -0.11002142012453955 | 14839783 Provisions pour créances douteuses | 401247 | 0.024565915757625602 | 411104 | 0.015052152253444384 | 417292 | 0 | 0 | 0.04225549111580672 | 400374 | 0.12096514535136028 | 357169 | -0.19193630855689742 | 442006 | 0.3414201865823384 | 329506 Portefeuille de crédit improductif | 164397 | -0.31005431972602904 | 113425 | -0.17126735728454925 | 93999 | 0 | 0 | -0.06876362195363582 | 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 | 2268097 | 0.04004191368716725 | 2229708 | 0.03897270438275914 | 0 | 0 | 2187090 | 0.041137811112349605 | 1919352 | 0.03672013673685769 | 2006934 | 0.041006458678555596 | 1251444 | 0.027338259814262782 Avoirs à la BRH | 20992155 | 0.38257081681255106 | 22046492 | 0.38921780231128705 | 22502791 | 0.39332263302190823 | 0 | 0 | 21075737 | 0.3964215865645939 | 19744935 | 0.3777507789401669 | 17902174 | 0.3657842053536949 | 17660925 | 0.38580947785934405 Avoirs à l'étranger | 7880651 | 0.14362065686370207 | 8597741 | 0.15178804214573674 | 8904853 | 0.1556464808579984 | 0 | 0 | 7504644 | 0.14115771520030168 | 8215885 | 0.1571824348083614 | 6896424 | 0.14091042644441676 | 4956047 | 0.10826669074900484 Avoirs dans les banques locales | 95187 | 0.0017347322530696014 | 142717 | 0.00251958438977321 | 198827 | 0.003475264875181347 | 0 | 0 | 47228 | 0.0008883294895107413 | 24403 | 0.0004668666804158582 | 46744 | 0.0009550916494864319 | 38959 | 0.0008510738507706807 Autres liquidités | 272872 | 0.004972946509078008 | 369907 | 0.006530489730500493 | 294727 | 0.005151485416304491 | 0 | 0 | 445585 | 0.008381178444643932 | 359845 | 0.006884384731969204 | 449999 | 0.0091945551766482

29 | 220158 | 0.004809433425857222 30758135 | 0.5605505880925858 | 33424954 | 0.5900978322644648 | 34130906 | 0.5965685685541516 | 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 | 1077000 | 0.018824708266836552 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 7968701 | 0.14522532110233527 | 7013161 | 0.12381321761644566 | 6193861 | 0.10826149152306083 | 0 | 0 | 6585064 | 0.12386098377055052 | 5509798 | 0.10541085530557451 | 5084498 | 0.1038884473222331 | 4676919 | 0.10216903573173236 Portefeuille net | 12359578 | 0.22524671006470925 | 12023071 | 0.2122602213382777 | 11835039 | 0.2068627265567623 | 0 | 0 | 12086462 | 0.2273388798689543 | 11569274 | 0.22133789071841567 | 12765083 | 0.2608211573314481 | 14510277 | 0.3169824000138412 Immobilisations | 2190492 | 0.03992054715970603 | 2111905 | 0.037284436126628163 | 2100820 | 0.03671989194163005 | 0 | 0 | 2188386 | 0.04116218807132322 | 1824423 | 0.03490399990510762 | 1625295 | 0.03320866169887152 | 1380496 | 0.030157448771619435 Autres actifs | 1594386 | 0.029056833580663636 | 2069981 | 0.03654429265418373 | 1874416 | 0.032762613157558684 | 0 | 0 | 1044762 | 0.019651327477772106 | 1601825 | 0.030645360011356475 | 1614749 | 0.03299318171137614 | 1081061 | 0.023616179783567413 54871292 | 1 | 56643072 | 1 | 57212042 | 1 | 0 | 0 | 53164958 | 1 | 52269740 | 1 | 48941900 | 1 | 45776286 | 1 PASSIF Dépôts À vue | 19454895 | 0.35455507408136117 | 21442812 | 0.37856018826097565 | 22340802 | 0.3904912535721064 | 0 | 0 | 19865581 | 0.3736593001728695 | 19275318 | 0.3687662881047428 | 17653506 | 0.3607033237369207 | 17638295 | 0.3853151170892283 Épargne | 13558125 | 0.24708958921543164 | 14434830 | 0.25483840283238873 | 14650024 | 0.25606539266680955 | 0 | 0 | 12876896 | 0.2422064548607374 | 10939888 | 0.20929677476872852 | 10655270 | 0.21771263477715413 | 9428820 | 0.2059760811525863 À terme | 9782367 | 0.17827841560574154 | 9116869 | 0.1609529405467274 | 9010322 | 0.1574899563976409 | 0 | 0 | 9535200 | 0.17935121852254637 | 10222663 | 0.19557516452157597 | 9885914 | 0.20199285274989323 | 9961137 | 0.21760474408081076 42795387 | 0.7799230789025343 | 44994511 | 0.7943515316400919 | 46001148 | 0.8040466026365568 | 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 | 3695275 | 0.06523789882017698 | 3143004 | 0.05493605699303654 | 0 | 0 | 3216359 | 0.06049772483597184 | 3421538 | 0.06545925041907612 | 2499539 | 0.051071556273867585 | 1722112 | 0.037620177399276124 4272247 | 0.07785942055091395 | 3695275 | 0.06523789882017698 | 3143004 | 0.05493605699303654 | 0 | 0 | 3216359 | 0.06049772483597184 | 4071538 | 0.07789474368917848 | 3149539 | 0.0643526099313676 | 2022112 | 0.04417378902255198 Obligations à terme Banques locales | 290747 | 0.005298708840316718 | 278205 | 0.004911545051793801 | 267852 | 0.004681741651521545 | 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 | 144646 | 0.002553639746092867 | 185220 | 0.003237430329789662 | 0 | 0 | -62922 | -0.0011835239294273494 | 209017 | 0.003998814610518438 | 277921 | 0.0056785903285324025 | 79615 | 0.0017392192979570251 217248 | 0.0039

5922880766139 | 422851 | 0.007465184797886668 | 453072 | 0.007919171981311207 | 0 | 0 | 240366 | 0.004521135895564895 | 577002 | 0.011038929981285538 | 712979 | 0.014567865162570312 | 581853 | 0.012710795279459763 Autres passifs | 1563691 | 0.02849743359423722 | 1703527 | 0.030074763600392296 | 1559091 | 0.027251098641086782 | 0 | 0 | 1718453 | 0.03232303879559164 | 1789639 | 0.03423852883140417 | 1720229 | 0.03514839023413476 | 1462384 | 0.031946322600308816 48848573 | 0.8902391618553469 | 50816164 | 0.8971293788585478 | 51156315 | 0.8941529302519914 | 0 | 0 | 47452855 | 0.8925588730832816 | 46876048 | 0.8968104298969155 | 43777437 | 0.8944776765920408 | 41094601 | 0.8977268492249458 AVOIR DES ACTIONNAIRES Capital versé | 2025000 | 0.03690454381865111 | 2025000 | 0.03575017965127315 | 2025000 | 0.035394646462714965 | 0 | 0 | 2025000 | 0.03808899839627448 | 2025000 | 0.03874134441839581 | 2025000 | 0.041375590240673124 | 2025000 | 0.04423687845711205 Réserves | 811026 | 0.014780515829661892 | 994337 | 0.017554432782176787 | 1004346 | 0.017554800788267617 | 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 | 1384 | 2.443370303079607e-05 | 1384 | 2.4190711458961735e-05 | 0 | 0 | 1384 | 2.6032184582935248e-05 | 1384 | 2.6478034901264095e-05 | 1384 | 2.827842809535388e-05 | 1384 | 3.02339949553793e-05 BNR | 3185309 | 0.05805055583528086 | 2806187 | 0.04954157500497148 | 3024997 | 0.0528734317855671 | 0 | 0 | 2884445 | 0.05425462764402071 | 2660853 | 0.05090618396035641 | 2583435 | 0.05278575208563623 | 2212917 | 0.048341995241815816 6022719 | 0.10976083814465312 | 5826908 | 0.10287062114145222 | 6055727 | 0.10584706974800864 | 0 | 0 | 5712103 | 0.10744112691671834 | 5393692 | 0.1031895701030845 | 5164463 | 0.10552232340795924 | 4681685 | 0.10227315077505414 54871292 | 1 | 56643072 | 1 | 57212042 | 1 | 0 | 0 | 53164958 | 1 | 52269740 | 1 | 48941900 | 1 | 45776286 | 1 [capitalbkgdes&$] CAPITAL BANK (CAPITALBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Juin 26 | Septembre 25 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 419593 | 1810115 | 2229708 | 0.1881829369585614 | 610403 | 1576687 | 2187090 | 0.2790936815586007 Avoirs à la BRH | 15335103 | 7167688 | 22502791 | 0.6814756000711201 | 13708722 | 7367015 | 21075737 | 0.6504504207848105 Avoirs à l'étranger | 8904853 | 0 | 8904853 | 1 | 7504644 | 0 | 7504644 | 1 Avoirs dans les banques locales | 1135 | 197692 | 198827 | 0.0057084802365875865 | 1156 | 46072 | 47228 | 0.024477005166426695 Autres liquidités | 93932 | 200795 | 294727 | 0.31870849973025883 | 136591 | 308994 | 445585 | 0.30654308381116957 24754616 | 9376290 | 34130906 | 0.725284467983358 | 21961516 | 9298768 | 31260284 | 0.7025373153999497 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 1077000 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 3217357 | 2976504 | 6193861 | 0.5194428806200204 | 3189261 | 3395803 | 6585064 | 0.48431738856296613 Portefeuille net | 7152003 | 4683036 | 11835039 | 0.604307514322513 | 7185075 | 4901387 | 12086462 | 0.5944729731496281 Immobilisations | 0 | 2100820 | 2100820 | 0 | 0 | 2188386 | 2188386 | 0 Autres actifs | 367947 | 1506469 | 1874416 | 0.19629954076362985 | 244187 | 800575 | 1044762 | 0.2337250014835915 35491923 | 21720119 | 57212042 | 0.6203575638848898 | 32580039 | 20584919 | 53164958 | 0.6128103966526222 PASSIF Dépôts À vue | 17553025 | 4787777 | 22340802 | 0.7856935932738672 | 14358707 | 5506874 | 19865581 | 0.7227932070046177 Épargne | 9773201 | 4876823 | 14650024 | 0.6671116033666566 | 8669388 | 4207508 | 12876896 |

0.6732513798356374 À terme | 5859142 | 3151180 | 9010322 | 0.6502699903510663 | 6763034 | 2772166 | 9535200 | 0.7092702827418408 33185368 | 12815780 | 46001148 | 0.7214030397676162 | 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 | 1517827 | 1625177 | 3143004 | 0.48292238889928235 | 1499914 | 1716445 | 3216359 | 0.46633911202076633 1517827 | 1625177 | 3143004 | 0.48292238889928235 | 1499914 | 1716445 | 3216359 | 0.46633911202076633 Obligations à terme Banques locales | 0 | 267852 | 267852 | 0 | 0 | 303288 | 303288 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 185220 | 185220 | 0 | 0 | -62922 | -62922 | 0 0 | 453072 | 453072 | 0 | 0 | 240366 | 240366 | 0 Autres passifs | 784488 | 774603 | 1559091 | 0.5031701164332294 | 999404 | 719049 | 1718453 | 0.5815719138085242 35487683 | 15668632 | 51156315 | 0.6937106982784041 | 32290447 | 15162408 | 47452855 | 0.6804742728335313 AVOIR DES ACTIONNAIRES Capital versé | 0 | 2025000 | 2025000 | 0 | 0 | 2025000 | 2025000 | 0 Réserves | 0 | 1004346 | 1004346 | 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 | 3024997 | 3024997 | 0 | 0 | 2884445 | 2884445 | 0 0 | 6055727 | 6055727 | 0 | 0 | 5712103 | 5712103 | 0 35487683 | 21724359 | 57212042 | 0.6202834536127901 | 32290447 | 20874511 | 53164958 | 0.6073633501224622 *Converties au taux de 130.5279 Gdes | *Converties au taux de 130.6911 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 | -0.000478376952861471 | 488920 | 0.02800867217540702 | 502614 | 0 | 0 | 447883 | 0.031474737822154444 | 461980 | 0.02280618208580458 | 472516 | 0.06102650492258463 | 501352 Intérêts sur Bons B.R.H. | 5616 | -0.23967236467236466 | 4270 | 1.0826697892271662 | 8893 | 0 | 0 | 21194 | -0.39827309615929035 | 12753 | -0.22018348623853212 | 9945 | -0.46465560583207643 | 5324 Autres | 105311 | -0.012353885159195145 | 104010 | -0.04684164984136141 | 99138 | 0 | 0 | 98033 | -0.1652402762335132 | 81834 | 0.0031405039470146882 | 82091 | 0.15367092616730213 | 94706 600081 | -0.00480101852916523 | 597200 | 0.02251339584728734 | 610645 | 0 | 0 | 567110 | -0.018590749590026625 | 556567 | 0.014346880070144296 | 564552 | 0.06523756890419306 | 601382 Dépenses d'intérêt | 101240 | -0.01633741604109048 | 99586 | 0.023557528166609765 | 101932 | 0 | 0 | 138559 | -0.0470124640045035 | 132045 | -0.08151766443257981 | 121281 | -0.1537009094582004 | 102640 498841 | -0.002459701588281637 | 497614 | 0.02230443677227731 | 508713 | 0 | 0 | 428551 | -0.009401448135694468 | 424522 | 0.04416496671550591 | 443271 | 0.1251401512844287 | 498742 AUTRES REVENUS Commissions | 337688 | -0.092105730733695 | 306585 | 0.04082391506433779 | 319101 | 0 | 0 | 312319 | -0.04858814225199235 | 297144 | 0.132225452979027 | 336434 | -0.0019260835706260365 | 335786 Gains sur change | 118791 | 0.2433770235118822 | 147702 | -0.3027244045442851 | 102989 | 0 | 0 | 117883 | 0.24419127439919242 | 146669 | -0.40030954053003703 | 87956 | 0.31892082404838784 | 116007 Autres | 249854 | -0.17152817245271237 | 206997 | 0.12853326376710775 | 233603 | 0 | 0 | 115037 | 0.15824473864930413 | 133241 | 0.5553620882461104 | 207238 | 0.4924675976413592 | 309296 706333 | -0.06377869928206667 | 661284 | -0.008454763762619388 | 655693 | 0 | 0 | 545239 | 0.058350558195580285 | 577054 | 0.09457347146020996 | 631628 | 0.20496399779617117 | 761089 PRODUIT NET BANCAIRE | 1205174 | -0.03839

7774927105964 | 1158898 | 0.004752791013531821 | 1164406 | 0 | 0 | 973790 | 0.028533872806251862 | 1001576 | 0.07320762478334146 | 1074899 | 0.17204593175730928 | 1259831 Dotation à la provisions pour créances douteuses | 13428 | -0.6322609472743521 | 4938 | 1.986026731470231 | 14745 | 0 | 0 | 15144 | -0.5702588483888008 | 6508 | 0.2606023355869699 | 8204 | 1.5637493905411994 | 21033 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1191746 | -0.031706420663463526 | 1153960 | -0.0037254324240008317 | 1149661 | 0 | 0 | 958646 | 0.03799316953286198 | 995068 | 0.07198201529945693 | 1066695 | 0.1613422768457713 | 1238798 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 302738 | 0.007993710733373412 | 305158 | 0.05307742218785023 | 321355 | 0 | 0 | 299121 | 0.04598807840305428 | 312877 | -0.007600430840234341 | 310499 | -0.006167491682742939 | 308584 Frais de locaux | 93915 | 0.19975509769472397 | 112675 | -0.015495895274018194 | 110929 | 0 | 0 | 89170 | 0.006246495458113716 | 89727 | -0.029277697905870027 | 87100 | 0.21569460390355913 | 105887 Amortissement | 32134 | 0.1163253874400946 | 35872 | -0.022608162355040144 | 35061 | 0 | 0 | 42024 | 0.06332095945174186 | 44685 | -0.3062101376300772 | 31002 | 0.011805689955486743 | 31368 Autres dépenses d'exploitation | 334216 | 0.0707835651195634 | 357873 | 0.02327920798719099 | 366204 | 0 | 0 | 384422 | -0.05912772942235356 | 361692 | -0.018571049401147937 | 354975 | 0.08899218254806676 | 386565 763003 | 0.06366292137776654 | 811578 | 0.027071951186454044 | 833549 | 0 | 0 | 814737 | -0.0070648565119787125 | 808981 | -0.03140370416610526 | 783576 | 0.06231431284265981 | 832404 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 428743 | -0.2014283615126078 | 342382 | -0.07672716439532452 | 316112 | 0 | 0 | 143909 | 0.293087993106755 | 186087 | 0.5214335230295507 | 283119 | 0.43541761591415623 | 406394 Impôts sur le revenu | 117930 | -0.2009666751462732 | 94230 | -0.07361774381831689 | 87293 | 0 | 0 | 8239 | 0.6055346522636242 | 13228 | 1.957287571817357 | 39119 | 1.587642833405762 | 101226 BÉNÉFICE NET | 310813 | -0.20160353653161225 | 248152 | -0.07790789516103033 | 228819 | 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- juin 26) | 2025 (oct.24-juin 25) | 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 | 488920 | 0.0583142127364821 | 461980 | 502614 | 0.06369731395338994 | 472516 | 0 | 0 | 501352 | 1480688 | 0.07111580832752812 | 1382379 | 1883731 Intérêts sur Bons B.R.H. | 5616 | -0.7350193450976692 | 21194 | 4270 | -0.6651768211401239 | 12753 | 8893 | -0.10578179989944696 | 9945 | 0 | 0 | 5324 | 18779 | -0.5721543789301011 | 43892 | 49216 Autres | 105311 | 0.07424030683545337 | 98033 | 104010 | 0.27098760906224795 | 81834 | 99138 | 0.20765979218184696 | 82091 | 0 | 0 | 94706 | 308459 | 0.17751318913718994 | 261958 | 356664 600081 | 0.05813863271675689 | 567110 | 597200 | 0.07300648439451135 | 556567 | 610645 | 0.08164526916918194 | 564552 | 0 | 0 | 601382 | 1807926 | 0.07090092635537004 | 1688229 | 2289611 Dépenses d'intérêt | 101240 | -0.2693365281215944 | 138559 | 99586 | -0.24581771365822258 | 132045 | 101932 | -0.1595385921949852 | 121281 | 0 | 0 | 102640 | 302758 | -0.2274315168990903 | 391885 | 494525 498841 | 0.1640178181826667 | 428551 | 497614 | 0.1721748225062541 | 424522 | 508713 | 0.1476342914379691 | 443271 | 0 | 0 | 498742 | 1505168 | 0.16108687200311028 | 1296344 | 1795086 AUTRES REVENUS Commissions | 337688 | 0.08122784716908032 | 312319 | 306585 | 0.03177247395202326 | 297144 | 319101 | -0.051519763163057244 | 336434 | 0 | 0 | 335786 | 963374 | 0.01847664174852019 | 9

45897 | 1281683 Gains sur change | 118791 | 0.007702552530899282 | 117883 | 147702 | 0.007043069769344578 | 146669 | 102989 | 0.17091500295602347 | 87956 | 0 | 0 | 116007 | 369482 | 0.04815209867577473 | 352508 | 468515 Autres | 249854 | 1.1719446786686023 | 115037 | 206997 | 0.5535533356849618 | 133241 | 233603 | 0.1272208764801822 | 207238 | 0 | 0 | 309296 | 690454 | 0.5157623442425733 | 455516 | 764812 706333 | 0.2954557542655606 | 545239 | 661284 | 0.14596554221961897 | 577054 | 655693 | 0.03809995756996207 | 631628 | 0 | 0 | 761089 | 2023310 | 0.15359243660347302 | 1753921 | 2515010 PRODUIT NET BANCAIRE | 1205174 | 0.23761180542005977 | 973790 | 1158898 | 0.15707445066575076 | 1001576 | 1164406 | 0.08327014910238079 | 1074899 | 0 | 0 | 1259831 | 3528478 | 0.15677752588709506 | 3050265 | 4310096 Dotation à la provisions pour créances douteuses | 13428 | -0.1133122028526149 | 15144 | 4938 | -0.24124154886293792 | 6508 | 14745 | 0.7972940029254022 | 8204 | 0 | 0 | 21033 | 33111 | 0.10902331189710611 | 29856 | 50889 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1191746 | 0.243155450499976 | 958646 | 1153960 | 0.15967953948875857 | 995068 | 1149661 | 0.07777855900702638 | 1066695 | 0 | 0 | 1238798 | 3495367 | 0.15724956454572875 | 3020409 | 4259207 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 302738 | 0.012092096509439324 | 299121 | 305158 | -0.024671036861130733 | 312877 | 321355 | 0.03496307556546076 | 310499 | 0 | 0 | 308584 | 929251 | 0.007321433023630429 | 922497 | 1231081 Frais de locaux | 93915 | 0.053212964001345744 | 89170 | 112675 | 0.255753563587326 | 89727 | 110929 | 0.2735820895522388 | 87100 | 0 | 0 | 105887 | 317519 | 0.19369391384113355 | 265997 | 371884 Amortissement | 32134 | -0.23534170949933372 | 42024 | 35872 | -0.19722501958151506 | 44685 | 35061 | 0.13092703696535707 | 31002 | 0 | 0 | 31368 | 103067 | -0.12440638512968202 | 117711 | 149079 Autres dépenses d'exploitation | 334216 | -0.13060126631670405 | 384422 | 357873 | -0.010558707408513321 | 361692 | 366204 | 0.03163321360659201 | 354975 | 0 | 0 | 386565 | 1058293 | -0.03886697623897796 | 1101089 | 1487654 763003 | -0.06349779131179754 | 814737 | 811578 | 0.0032102113646674028 | 808981 | 833549 | 0.06377556229389364 | 783576 | 0 | 0 | 832404 | 2408130 | 0.00034727789792189905 | 2407294 | 3239698 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 428743 | 1.9792646742038371 | 143909 | 342382 | 0.839902841144196 | 186087 | 316112 | 0.11653403692440281 | 283119 | 0 | 0 | 406394 | 1087237 | 0.7733002780881237 | 613115 | 1019509 Impôts sur le revenu | 117930 | 13.313630294938706 | 8239 | 94230 | 6.123525854248563 | 13228 | 87293 | 1.2314731971676167 | 39119 | 0 | 0 | 101226 | 299453 | 3.9426105040768493 | 60586 | 161812 BÉNÉFICE NET | 310813 | 1.2909486253409008 | 135670 | 248152 | 0.43557465911523263 | 172859 | 228819 | -0.062217213114754095 | 244000 | 0 | 0 | 305168 | 787784 | 0.42577855641966306 | 552529 | 857697 [CAPITALBKVARAN ] CAPITAL BANK (CAPITALBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Juin) | ANNÉE 2026 | Var. | 2025 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1480688 | 0.07111580832752812 | 1382379 | 1883731 | -0.07168739980652464 | 2029199 | -0.12107184933642884 | 2308720 | 0.1772402529359364 | 1961129 Intérêts sur Bons B.R.H. | 18779 | -0.5721543789301011 | 43892 | 49216 | 0.4720784853288667 | 33433 | 0.14394717032779034 | 29226 | 2.3975819576842596 | 8602 Autres | 308459 | 0.17751318913718994 | 261958 | 356664 | -0.12653856891662218 | 408334 | 0.48427339180755125 | 275107 | 1.5391757810697309 | 108345 1807926 | 0.07090092635537004 | 1688229 | 2289611 | -0.0733943728889835 | 2470966 | -0.05437585843073217 | 2613053 | 0.25743861148485425 | 2078076 Dépenses d'intérêt | 302758 | -0.2274315168990903 | 391885 | 494525 | -0.0845113444506

9755 | 540176 | 0.1639541723857811 | 464087 | 0.11288110231311178 | 417014 1505168 | 0.16108687200311028 | 1296344 | 1795086 | -0.07028418419403457 | 1930790 | -0.10152603624254641 | 2148966 | 0.293730155767816 | 1661062 AUTRES REVENUS Commissions | 963374 | 0.01847664174852019 | 945897 | 1281683 | 0.08446446188966863 | 1181858 | 0.020535785216168886 | 1158076 | 0.24118979204468846 | 933037 Gains sur change | 369482 | 0.04815209867577473 | 352508 | 468515 | -0.20333314062037702 | 588094 | -0.3048443892296472 | 845989 | 0.013057353443062683 | 835085 Autres | 690454 | 0.5157623442425733 | 455516 | 764812 | 0.08256556085726297 | 706481 | -0.039565787774356466 | 735585 | 0.16952960293056135 | 628958 2023310 | 0.15359243660347302 | 1753921 | 2515010 | 0.015577647366191615 | 2476433 | -0.09607687113317395 | 2739650 | 0.1429113755068667 | 2397080 PRODUIT NET BANCAIRE | 3528478 | 0.15677752588709506 | 3050265 | 4310096 | -0.02203814057060421 | 4407223 | -0.09847224654176151 | 4888616 | 0.2046438986117292 | 4058142 Dotation à la provisions pour créances douteuses | 33111 | 0.10902331189710611 | 29856 | 50889 | -0.7090910130279939 | 174931 | -0.30374058683988475 | 251244 | 0.32872872661117164 | 189086 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 3495367 | 0.15724956454572875 | 3020409 | 4259207 | 0.006359438337430404 | 4232292 | -0.08735119804923996 | 4637372 | 0.19857970523042312 | 3869056 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 929251 | 0.007321433023630429 | 922497 | 1231081 | 0.05271704554005705 | 1169432 | 0.08447126749095603 | 1078343 | 0.2510389137289752 | 861958 Frais de locaux | 317519 | 0.19369391384113355 | 265997 | 371884 | 0.001119881120311844 | 371468 | 0.09071156341940372 | 340574 | 0.1562754630887066 | 294544 Amortissement | 103067 | -0.12440638512968202 | 117711 | 149079 | 0.06367995205274199 | 140154 | 0.22616204299099762 | 114303 | 0.18800798220633172 | 96214 Autres dépenses d'exploitation | 1058293 | -0.03886697623897796 | 1101089 | 1487654 | -0.012309827080822868 | 1506195 | -0.018682363978708295 | 1534870 | 0.37864597414752493 | 1113317 2408130 | 0.00034727789792189905 | 2407294 | 3239698 | 0.01645588405549739 | 3187249 | 0.03883816967559622 | 3068090 | 0.296723249422134 | 2366033 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1087237 | 0.7733002780881237 | 613115 | 1019509 | -0.024433444365447164 | 1045043 | -0.3340629663757056 | 1569282 | 0.0440838230685758 | 1503023 Impôts sur le revenu | 299453 | 3.9426105040768493 | 60586 | 161812 | -0.21466115967210408 | 206041 | -0.43959887615695725 | 367667 | 0.2062723920261421 | 304796 BÉNÉFICE NET | 787784 | 0.42577855641966306 | 552529 | 857697 | 0.022282426025206137 | 839002 | -0.3017713660365425 | 1201615 | 0.0028275109808074766 | 1198227 [cbnainfin] CITIBANK N.A. (CBNA) INDIfATEURS FINANfIERS Var. juin 26 | 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 | 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 | 0 | 13861 | -0.856610839272968 | 96667 | 0 | 96667 Dépôts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1939482 | -0.5521170201268633 | 4330332 | 0.05926694562634569 | 4088046 Avoir des Actionnaires | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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) | (oc

t. 25 - juin 26) | (oct. 24- juin 25) Résultats Revenus nets d'intérêt | 0 | 0 | 5961 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5961 Autres revenus | 0 | 0 | 36203 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 0 | 90695 Bénéfice (perte) net | 0 | 0 | -48531 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -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 - juin 26) | (oct. 24- juin 25) | 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. juin 26 | 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. | S

ept. 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) Juin 26 | 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 130.5279 Gdes | *Converties au taux de 130.6911 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- juin 26) | 2025 (oct.24-juin 25) | 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 | 0 | 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 | 0 | 5867 | 5867 0 | 0 | 5961 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 0 | 5961 | 5961 AUTRES REVENUS Commissions | 0 | 0 | 2626 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2626 | 2626 Gains sur change | 0 | 0 | 5719 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5719 | 5719 Autres | 0 | 0 | 27858 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 27858 | 27858 0 | 0 | 36203 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 36203 | 36203 PRODUIT NET BANCAIRE | 0 | 0 | 42164 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 0 | 42164 | 42164 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 0 | 0 | 16745 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 16745 | 16745 Frais de locaux | 0 | 0 | 658 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 658 | 658 Amortissement | 0 | 0 | 8397 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8397 | 8397 Autres dépenses d'exploitation | 0 | 0 | 64895 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 64895 | 64895 0 | 0 | 90695 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 90695 | 90695 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 0 | 0 | -48531 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -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 | 0 | -48531 | -48531 [CBNAVARAN ] CITIBANK N.A. (CBNA) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Juin) | ANNÉE 2026 | Var. | 2025 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 0 | 0 | 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 | 0 | 5867 | 5867 | -0.8924551820214833 | 54554 | -0.13794956071044814 | 63284 | 8.087306145893164 | 6964 0 | 0 | 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 | 0 | 5961 | 5961 | -0.9176509594264164 | 72387 | -0.13173803526448363 | 83370 | 1.6903094646487464 | 30989 AUTRES REVENUS Commissions | 0 | 0 | 2626 | 2626 | -0.9604309500489716 | 66365 | -0.13510660480633896 | 76732 | 0.1173044440561477 | 68676 Gains sur change | 0 | 0 | 5719 | 5719 | -0.9067853242710218 | 61353 | -0.3167589117676537 | 89797 | -0.45779997101729303 | 165616 Autres | 0 | 0 | 27858 | 27858 | -0.8110796899477143 | 147459

| 0.09593388380614042 | 134551 | 2.224477569018405 | 41728 0 | 0 | 36203 | 36203 | -0.8684374057424857 | 275177 | -0.08603361232894911 | 301080 | 0.09079052242591117 | 276020 PRODUIT NET BANCAIRE | 0 | 0 | 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 | 0 | 42164 | 42164 | -0.8786870907228597 | 347564 | -0.09594485628820393 | 384450 | 0.252243419574019 | 307009 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 0 | 0 | 16745 | 16745 | -0.7901497587568144 | 79795 | -0.15748073065146237 | 94710 | -0.3218142239280497 | 139652 Frais de locaux | 0 | 0 | 658 | 658 | -0.5168869309838473 | 1362 | -0.7796829505014559 | 6182 | -0.507410358565737 | 12550 Amortissement | 0 | 0 | 8397 | 8397 | -0.40455254573819316 | 14102 | -0.2928492628623007 | 19942 | -0.09817754262198707 | 22113 Autres dépenses d'exploitation | 0 | 0 | 64895 | 64895 | -0.46614840408028957 | 121560 | -0.11722967771298427 | 137702.86215 | 0.048860118710845814 | 131288.10953289998 0 | 0 | 90695 | 90695 | -0.5817017881274242 | 216819 | -0.16136136952801647 | 258536.86215 | -0.15401102251491658 | 305603.1095329 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 0 | 0 | -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 | 0 | -48531 | -48531 | -1.5384316684048196 | 90134 | 0.003684305002266698 | 89803.13785 | 14.401273331526562 | 5830.89046710002 [scotiainfin] SCOTIA BANK (SCOTIA) INDICATEURS FINANCIERS Var. juin 26 | 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 - juin 26) | (oct. 24- juin 25) 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 - juin 26) | (oct. 24- juin 25) | 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. juin 26 | 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) Juin 26 | 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 Av

oirs 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 130.5279 Gdes | *Converties au taux de 130.6911 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- juin 26) | 2025 (oct.24-juin 25) | 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-Juin) | 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. juin 26 | 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 | 0.025892407082389584 | 195797757.85758 | 0.03395603141817382 | 202446272.67499998 | 0 | 0 | 0.08653017265207003 | 186323654.66746 | 0.10321681073885296 | 168891239.55850002 | 0.013082441273120924 | 166710262.341787 | 0.06202066338369159 | 156974593.89408997 Bons B.R.H. |

0 | 0 | 0 | 0 | 4000000 | 0 | 0 | 0 | 0 | 0 | 2500000 | 0.25 | 2000000 | 0 | 0 Prêts nets | 25695359.87946 | -0.007689996261463487 | 25497762.658049993 | 0.07768352863440954 | 27478518.83361 | 0 | 0 | 0.07196636752090554 | 25633750.89570999 | -0.09904214403107348 | 28451664.77642 | -0.19078982727626773 | 35159796.225317 | -0.12030655994000224 | 39968237.37019 Dépôts | 158374930.96248522 | 0.029513148428806864 | 163049073.8073831 | 0.044840469073429735 | 170360270.7588944 | 0 | 0 | 0.09732529940777258 | 155250472.0804651 | 0.10275224182380885 | 140784544.51718095 | 0.012398050291787057 | 139060465.8677532 | 0.07521841674094484 | 129332295.37609139 Avoir des Actionnaires | 14128307.568380002 | -0.07358211551443514 | 13088716.808859996 | 0.06430816398672741 | 13930428.15578 | 0 | 0 | 0.028168470784324953 | 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 - juin 26) | (oct. 24- juin 25) Résultats Revenus nets d'intérêt | 1231761.8007999999 | 0.10304091245290407 | 1116696.38623 | 1243438.58131 | 0.14170796220878148 | 1089103.88862 | 1272309.54068 | 0.2374244047771838 | 1028191.7309599998 | 0 | 0 | 1496233.28589 | 3747509.92279 | 0.1587876271980401 | 3233992.00581 Autres revenus | 1097777.29433 | 0.22346687346501623 | 897267.68917 | 1061653.21416 | 0.04882861097909265 | 1012227.54895 | 1220079.4751699998 | 0.24690854662849313 | 978483.5290999999 | 0 | 0 | 1326288.22706 | 3379509.9836599994 | 0.17019904094141003 | 2887978.76722 Dot. à la prov. pr créances douteuses | 167288.88843 | 0.03175993680818001 | 162139.35283 | 156095.36579 | -0.08390969136876257 | 170392.9889 | 159640.45863 | -0.18864579989010474 | 196758.03565 | 0 | 0 | 401521.4742 | 483024.71285 | -0.0874107418294965 | 529290.37738 Dépenses d'exploitation | 1514402.0536500001 | 0.06886850415833459 | 1416827.27834 | 1536569.2002 | 0.12034666353003412 | 1371512.2740299997 | 1681641.6291599995 | 0.16069824149730882 | 1448818.96865 | 0 | 0 | 1669377.5259500002 | 4732612.88301 | 0.11693080623066486 | 4237158.52102 Bénéfice (perte) net | 504904.15304999985 | 0.4514009940809933 | 347873.64423000003 | 471364.22948 | 0.05517137255465669 | 446718.17464000033 | 501926.9280600003 | 0.726892502021222 | 290653.25575999985 | 0 | 0 | 627143.5127999997 | 1478195.31059 | 0.36208433020898234 | 1085245.0746299995 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 - juin 26) | (oct. 24- juin 25) | 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 | 0.06684814449397582 | 0.07179548919268354 | 0.06881049461524744 | 0.0724016826994399 | 0 | 0.07271636966026188 | 0.06881049461524744 | 0.0724016826994399 | 0.07271636966026188 | 0.07044793039782742 | 0.0665618817170956 | 0.06164616052046577 Dépôts en % de l'actif | 0.8298135837939129 | 0.8360104878157932 | 0.8327422928202387 | 0.8335576168146381 | 0.8415085568524381 | 0.8311039756067652 | 0 | 0.833230071391351 | 0.8415085568524381 | 0.8311039756067652 | 0.833230071391351 | 0.833581095651894 | 0.8341446046233999 | 0.823905908387642 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.0570070

4010162909 | 0.046094988796859554 | 0.056499441841083 | 0.14147773268616623 | 0.056920403674302456 | 0.1662321713291186 | 0 | 0.048277693551566886 | 0.056920403674302456 | 0.1662321713291186 | 0.048277693551566886 | 0.04302645831229958 | 0.06593237986314099 | 0.04079652422411654 Provisions pour créances douteuses en % des prêts improductifs bruts | 1.843869115411449 | 1.7146754948367653 | 1.9366949961548259 | 0.6236273722992238 | 1.8575927850692218 | 0.5884445177105606 | 0 | 2.2109606580035774 | 1.8575927850692218 | 0.5884445177105606 | 2.2109606580035774 | 1.764311866663446 | 1.1536180332051817 | 1.623604489028084 Prêts improductifs nets en % de l'avoir des actionnaires | -0.09776878141522406 | -0.07996897376773829 | -0.11576452361581593 | 0.12399227035829077 | -0.10767420593584862 | 0.14738333271993798 | 0 | -0.1238256672511685 | -0.10767420593584862 | 0.14738333271993798 | -0.1238256672511685 | -0.08509915239870834 | -0.034734093928777805 | -0.11253186734818964 Rentabilité ROA (rendement de l'actif) | 0.010709042209031634 | 0.008078775261767104 | 0.009752688060465212 | 0.01013223174586759 | 0.01008280128922486 | 0.00650649495052729 | 0 | 0.013686613060238923 | 0.010139298038093953 | 0.008288877848440538 | 0.00964142334831665 | 0.005506599521324792 | 0.008059505370615635 | 0.010610589707617024 ROE (rendement avoir des action.) | 0.14594141276661912 | 0.11268931876953858 | 0.13854982027327697 | 0.14006712629977996 | 0.1486137118600527 | 0.09024109622750869 | 0 | 0.18862052082193834 | 0.14344860940667023 | 0.11599879314365756 | 0.13458567470724586 | 0.08036774330939671 | 0.12558060298029225 | 0.16021732726987387 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8077662294479568 | 0.818201502633546 | 0.8101992655986548 | 0.8107059294775598 | 0.8134689773222571 | 0.7951724037944936 | 0 | 0.8463501343887745 | 0.8105028918705897 | 0.8082428535764106 | 0.8199202763945953 | 0.8193643220552945 | 0.8541600717358953 | 0.8647163500819798 Rendement moyen des prêts | 0.08688199603514973 | 0.0913683387912954 | 0.0819256993186528 | 0.08607083234465929 | 0.08584471839380889 | 0.07842336610472915 | 0 | 0.13402766559196325 | 0.08291475366584058 | 0.08715622918713956 | 0.09672748639105988 | 0.10268870381728357 | 0.12657315104814376 | 0.11372415049100124 Rendement moyen des prêts productifs | 0.09170994071401738 | 0.09563035708041806 | 0.08685503599593752 | 0.0948587119820368 | 0.09100635864269085 | 0.09264798533752479 | 0 | 0.15002820812647297 | 0.08753176698560013 | 0.09703780005327013 | 0.10134472525397784 | 0.10874447708593747 | 0.1336042442954118 | 0.11750112390798706 Rémunération moyenne des dépôts | 0.0074773804503292865 | 0.006902343800572187 | 0.007250067683241239 | 0.006909443754940971 | 0.007000274643880112 | 0.00712332603247317 | 0 | 0.007123456719753742 | 0.007175642882374734 | 0.007041018389437419 | 0.00701878477992364 | 0.006989950791366009 | 0.006881152859044764 | 0.006267652596267851 0 | 0 Dépenses d'exploitation en % du produit net bancaire | 0.6500865586741694 | 0.7035017633363689 | 0.6665978349407551 | 0.6526872674669684 | 0.6747107367533055 | 0.7219997163899255 | 0 | 0.591448999871475 | 0.6640381176327226 | 0.6921232848230124 | 0.6603545352963377 | 0.7138131971722493 | 0.6065682084627226 | 0.5359345416190119 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 8696.366197405505 | 7411.091353817847 | 8348.001070058852 | 7859.117111061244 | 9014.065156781195 | 7622.69804391263 | 0 | 10788.424320879121 | 8856.191247530289 | 7625.060903664954 | 7625.060903664954 | 7466.291546319158 | 10872.419978493872 | 7090.885999235667 [sogebkvar] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var. juin 26 | SEPTEMBRE Déc. 25 | Var. | Mars 26 | Var. | Juin 26 | Var. | Sept. 26 | /sept. 25 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 ACTIF Disponibilités Encais

se | 4565955.685880001 | -0.18284850950302067 | 3731077.49426 | 0.4805262612149491 | 5523958.212879999 | 0 | 0 | 0.03781934850730201 | 5322658.72748 | 0.002364455230967329 | 5310103.22613 | 0.16195542583776648 | 4569971.5394 | -0.11146491787137973 | 5143265.169060001 Avoirs à la BRH | 76299645.91617 | 0.0666642680727308 | 81386105.96538 | -0.0035991730022640334 | 81093183.29003 | 0 | 0 | 0.053618461766260894 | 76966365.18127 | 0.16393166071449866 | 66126189.17336 | -0.014817820840273378 | 67120772.75876 | 0.1601690088360362 | 57854305.92229 Avoirs à l'étranger | 7145115.85936 | 0.15127275024996073 | 8225977.186259999 | -0.12785301130505194 | 7174261.23207 | 0 | 0 | 0.2989591462340351 | 5523084.581120001 | -0.24468368309445596 | 7312280.24273 | 0.02336693093433904 | 7145316.13412 | 0.0888848924278543 | 6562049.10529 Avoirs dans les banques locales | 7042.36 | 0 | 7042.36 | 0 | 7042.36 | 0 | 0 | 0.006438188389538161 | 6997.31 | 0.011996771935508237 | 6914.36 | -0.8757545487657772 | 55650.81 | 3.6235293091351384 | 12036.435 Autres liquidités | 27436.467589999986 | 4.851775292986982 | 160552.04317000002 | -0.30783289009700376 | 111128.84371 | 0 | 0 | 0.27634409193691023 | 87068.09113 | -0.7140286661022638 | 304464.40187999996 | -0.7321223229098978 | 1136579.96884 | 1.6127093511605382 | 435019.67348 88045196.289 | 0.06207674002031659 | 93510755.04907 | 0.004264952083968576 | 93909573.93869 | 0 | 0 | 0.06829326976662607 | 87906173.891 | 0.11189258695194748 | 79059951.4041 | -0.01209996855318906 | 80028291.21112001 | 0.1431522739677196 | 70006676.30512 Bons B.R.H. | 0 | 0 | 0 | 0 | 4000000 | 0 | 0 | 0 | 0 | 0 | 2500000 | 0.25 | 2000000 | 0 | 0 Bons du Trésor / M.E.F. | 21602000 | -0.11696139246366077 | 19075400 | -0.04857827358797194 | 18148750 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6250000 Autres Placements | 44112131.60536 | 0.044122988004585646 | 46058490.659040004 | 0.025791656639682796 | 47246415.43546 | 0 | 0 | -0.23262910693887218 | 61569204.49118 | 0.29187320807122896 | 47658860.10059999 | 0.2210411566515723 | 39031329.81307 | 0.3405770391772633 | 29115320.248230003 Portefeuille net | 25695359.87946 | -0.007689996261463487 | 25497762.658049993 | 0.07768352863440954 | 27478518.83361 | 0 | 0 | 0.07196636752090554 | 25633750.89570999 | -0.09904214403107348 | 28451664.77642 | -0.19078982727626773 | 35159796.225317 | -0.12030655994000224 | 39968237.37019 Immobilisations | 6060815.354739999 | -0.054903553263631014 | 5728055.056089999 | -0.00868038878521882 | 5678333.31122 | 0 | 0 | -0.06142260071773124 | 6049936.122009999 | -0.04526891927318621 | 6336796.02994 | 0.0027997319192920715 | 6319104.23212 | 0.5505054763234207 | 4075512.3594299997 Autres actifs | 5340532.55887 | 0.10986954390633909 | 5927294.435330001 | 0.009681773246819148 | 5984681.156019999 | 0 | 0 | 0.15879130865472504 | 5164589.267559999 | 0.05745780139436655 | 4883967.24744 | 0.17072642121224285 | 4171740.8601599997 | -0.44809829820846586 | 7558847.611119999 190856035.68743 | 0.025892407082389584 | 195797757.85758 | 0.03395603141817382 | 202446272.67499998 | 0 | 0 | 0.08653017265207003 | 186323654.66746 | 0.10321681073885296 | 168891239.55850002 | 0.013082441273120924 | 166710262.341787 | 0.06202066338369159 | 156974593.89408997 PASSIF Dépôts À vue | 77055503.36917594 | 0.022394524445952694 | 78781124.72307214 | 0.07657767206873113 | 84813999.85732137 | 0 | 0 | 0.1317787792646448 | 74938673.00854316 | 0.08577347639776345 | 69018699.23841283 | 0.03241622552923189 | 66851621.98321013 | 0.08647774222137691 | 61530595.04608671 Épargne | 54323358.650683485 | 0.028228569098758448 | 55856829.33403094 | 0.014697795223449854 | 56677801.573413715 | 0 | 0 | 0.06238211108146561 | 53349732.6265385 | 0.13384291417559474 | 47052137.43415994 | 0.02072080721671632 | 46096970.985103056 | 0.069010465830524 | 43121159.669180505 À terme | 26996068.942625783 | 0.05241692079915785 | 28411119.750280004 | 0.0160975

55531045804 | 28868469.32815933 | 0 | 0 | 0.07070685352095177 | 26962066.445383433 | 0.09097617463604435 | 24713707.84460818 | -0.05354518460687706 | 26111872.899440005 | 0.057994363182156485 | 24680540.660824187 158374930.96248522 | 0.029513148428806864 | 163049073.8073831 | 0.044840469073429735 | 170360270.7588944 | 0 | 0 | 0.09732529940777258 | 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 | 0.029942136233349462 | 11924350.76927 | -0.09104315304425269 | 10838720.277229998 | 0 | 0 | -0.01632433164099776 | 11018591.417750001 | 0.034308497407488814 | 10653099.57848 | 0.04731050199171946 | 10171863.605129998 | 0.23526255220300799 | 8234576.19353 11577689.99808 | 0.029942136233349462 | 11924350.76927 | -0.09104315304425269 | 10838720.277229998 | 0 | 0 | -0.01632433164099776 | 11018591.417750001 | 0.034308497407488814 | 10653099.57848 | 0.04731050199171946 | 10171863.605129998 | 0.23526255220300799 | 8234576.19353 Obligations à terme Banques locales | 2186287.30489 | -0.07202109600042811 | 2028828.49702 | -0.07982544291835392 | 1866876.36364 | 0 | 0 | -0.18746264618110586 | 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 | 0.8229642956874492 | 975862.1776400001 | 0.2072510614245884 | 1178110.6497600004 | 0 | 0 | 0.9968182706646972 | 589993.9253700003 | 1.7268727146116865 | 216362.8401900002 | -0.736668413801826 | 821636.49 | -0.29662051672247025 | 1168126.89243 2721603.4270699997 | 0.10401487769096612 | 3004690.67466 | 0.013411143809191037 | 3044987.0134000005 | 0 | 0 | 0.054510907671516076 | 2887582.2822200004 | 0.22300122285264476 | 2361062.4652400003 | -0.28838435745065233 | 3317890.0575900003 | -0.42500199867471017 | 5770263.6356 Autres passifs | 4053503.73303 | 0.1671201290577391 | 4730925.8000300005 | -0.09703371963836122 | 4271866.47232 | 0 | 0 | 0.18065117269159334 | 3618229.1358600003 | 0.13264521093439022 | 3194494.71108 | 0.0427618460306377 | 3063494.0501900003 | -0.22650322736233205 | 3960577.67603 176727728.1206652 | 0.03384479048241939 | 182709041.05134308 | 0.031781697485181004 | 188515844.5218444 | 0 | 0 | 0.09110682101882789 | 172774874.9162951 | 0.10052456741087408 | 156993201.27198094 | 0.008864820841144391 | 155613713.5806632 | 0.05645709316692521 | 147297712.8812514 AVOIR DES ACTIONNAIRES Capital versé | 5986922.95602 | 0 | 5986922.95602 | 0 | 5986922.95602 | 0 | 0 | 0.9956409853400001 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 Réserves | 1734836.8717 | 0.10990428789605022 | 1925502.8827 | 0 | 1925502.8827 | 0 | 0 | -0.38577254140343903 | 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 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 6406547.7406600015 | -0.19203115629842563 | 5176290.970139995 | 0.16260897074285616 | 6018002.31706 | 0 | 0 | -0.18828585360664568 | 7413942.880999999 | 0.31785080608684896 | 5625783.166620005 | -0.006703248636187028 | 5663748.682250003 | 0.2461001848213346 | 4545179.232969996 14128307.568380002 | -0.07358211551443514 | 13088716.808859996 | 0.06430816398672741 | 13930428.15578 | 0 | 0 | 0.028168470784324953 | 13548779.749249998 | 0.13874064109590373 | 11898038.289220005 | 0.07222872113814521 | 11096548.763020003 | 0.14670716197788877 | 9676881.012829997 190856035.6890452 | 0.025892407087451323

| 195797757.8602031 | 0.03395603141772561 | 202446272.67762437 | 0 | 0 | 0.08653017267732166 | 186323654.6655451 | 0.10321681070987221 | 168891239.56120095 | 0.013082441277799192 | 166710262.3436832 | 0.06202066339582934 | 156974593.89408138 Hors-bilan Effets à l'encaissement | 2716.103059494 | 8358.549235045999 | -0.6853443934781673 | 2630.0643791959997 | 0 | -0.03101787564041193 | 2714.254796944 | 2603.8385049639996 | 14643.749763997997 | 68846.26846022 Crédit documentaire | 1884354.006948028 | 1929466.7984957036 | 0.01767651143270883 | 1963573.040418345 | 0 | 0.5005609212593187 | 1308559.3611024148 | 1654805.912489959 | 2652074.614870218 | 2379243.015726165 Autres | 8011546.02292482 | 8583365.26254066 | -0.20355906302650315 | 6836143.472083649 | 0 | -0.22177601036451616 | 8784287.766926413 | 9921335.216337316 | 10656889.848709445 | 10341156.048350725 Portefeuille brut | 28713541.29388 | -0.00288914449321827 | 28630583.724169992 | 0.07323999814540272 | 30727487.62303 | 0 | 0 | 0.07076148214777545 | 28696855.58859999 | -0.06794848439693084 | 30788915.750040002 | -0.19092003414663733 | 38054230.792337 | -0.11095362048337364 | 42803425.86067 Provisions pour créances douteuses | 3018181.4144200003 | 0.03798302221075401 | 3132821.06612 | 0.037074483619917914 | 3248968.78942 | 0 | 0 | 0.06067833625191533 | 3063104.6928900005 | 0.3105587407867361 | 2337250.9736200003 | -0.19250170646409007 | 2894434.56702 | 0.02089669760544541 | 2835188.49048 Portefeuille de crédit improductif | 1636874 | -0.011767552053487318 | 1617612 | 0.08123641478920784 | 1749020.9994 | 0 | 0 | 0.26245003269771294 | 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 | 3731077.49426 | 0.01905577231877151 | 5523958.212879999 | 0.027286045526498597 | 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 | 81386105.96538 | 0.41566413658617524 | 81093183.29003 | 0.40056644273324854 | 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 | 8225977.186259999 | 0.04201262198438164 | 7174261.23207 | 0.03543785290424834 | 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 | 7042.36 | 3.596752116601097e-05 | 7042.36 | 3.478631592939008e-05 | 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 | 160552.04317000002 | 0.0008199891813203647 | 111128.84371 | 0.0005489300555728299 | 0 | 0 | 87068.09113 | 0.0004672948868751756 | 304464.40187999996 | 0.0018027246568614384 | 1136579.96884 | 0.006817696480554988 | 435019.67348 | 0.002771274399814697 88045196.289 | 0.4613173273345883 | 93510755.04907 | 0.47758848759181477 | 93909573.93869 | 0.46387405753549776 | 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 | 4000000 | 0.019758328701963594 | 0 | 0 | 0 | 0 | 2500000 | 0.014802425552297861 | 2000000 | 0.011996861932228434 | 0 | 0 B

ons du Trésor / M.E.F. | 21602000 | 0.11318478832588857 | 19075400 | 0.09742399611069666 | 18148750 | 0.08964724200744044 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6250000 | 0 Autres Placements | 44112131.60536 | 0.2311277788332752 | 46058490.659040004 | 0.23523502599320967 | 47246415.43546 | 0.23337755154083628 | 0 | 0 | 61569204.49118 | 0.33044223290416486 | 47658860.10059999 | 0.2821866914186041 | 39031329.81307 | 0.23412673739933612 | 29115320.248230003 | 0.18547791413860243 Portefeuille net | 25695359.87946 | 0.13463215762032266 | 25497762.658049993 | 0.13022499816671362 | 27478518.83361 | 0.1357324018393909 | 0 | 0 | 25633750.89570999 | 0.13757647112203586 | 28451664.77642 | 0.16846145987675698 | 35159796.225317 | 0.21090361044020725 | 39968237.37019 | 0.2546159628682103 Immobilisations | 6060815.354739999 | 0.031755953291757344 | 5728055.056089999 | 0.029254957353783848 | 5678333.31122 | 0.02804859401059852 | 0 | 0 | 6049936.122009999 | 0.03247003786399309 | 6336796.02994 | 0.0375199805893134 | 6319104.23212 | 0.03790471050405201 | 4075512.3594299997 | 0.025962878822159776 Autres actifs | 5340532.55887 | 0.027981994594167996 | 5927294.435330001 | 0.03027253478378141 | 5984681.156019999 | 0.02956182436427265 | 0 | 0 | 5164589.267559999 | 0.027060130684146578 | 4883967.24744 | 0.02891782463203668 | 4171740.8601599997 | 0.021858050467904355 | 7558847.611119999 | 0.04815331846770005 190856035.68743 | 1 | 195797757.85758 | 1 | 202446272.67499998 | 1 | 0 | 0 | 186323654.66746 | 1 | 168891239.55850002 | 1 | 166710262.341787 | 1 | 156974593.89408997 | 1 PASSIF Dépôts À vue | 77055503.36917594 | 0.4037362669282924 | 78781124.72307214 | 0.4023596877977336 | 84813999.85732137 | 0.4189457219273122 | 0 | 0 | 74938673.00854316 | 0.40219623827307116 | 69018699.23841283 | 0.40865766287721716 | 66851621.98321013 | 0.4010048394390496 | 61530595.04608671 | 0.3919780489293772 Épargne | 54323358.650683485 | 0.2846300273136255 | 55856829.33403094 | 0.28527818676381506 | 56677801.573413715 | 0.27996465839804435 | 0 | 0 | 53349732.6265385 | 0.28632828570131963 | 47052137.43415994 | 0.27859430457825596 | 46096970.985103056 | 0.27650949820111076 | 43121159.669180505 | 0.27470152079688864 À terme | 26996068.942625783 | 0.1414472895519949 | 28411119.750280004 | 0.14510441825869005 | 28868469.32815933 | 0.14259817652708154 | 0 | 0 | 26962066.445383433 | 0.14470554741696012 | 24713707.84460818 | 0.14632912819642088 | 26111872.899440005 | 0.15663026698323954 | 24680540.660824187 | 0.1572263386613762 158374930.96248522 | 0.8298135837939129 | 163049073.8073831 | 0.8327422928202387 | 170360270.7588944 | 0.8415085568524381 | 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 | 11924350.76927 | 0.06090136526457862 | 10838720.277229998 | 0.053538749486537064 | 0 | 0 | 11018591.417750001 | 0.05913683604701381 | 10653099.57848 | 0.06307668536466636 | 10171863.605129998 | 0.061015221632101976 | 8234576.19353 | 0.052458018773954146 11577689.99808 | 0.06066190129318777 | 11924350.76927 | 0.06090136526457862 | 10838720.277229998 | 0.053538749486537064 | 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 | 2028828.49702 | 0.01036185765975796 | 1866876.36364 | 0.009221589209681408 | 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 | 975862.1776400001 | 0.004984031422616319 | 1178110.6497600004 | 0.005819374366310499 | 0 | 0 | 589993.9253700003 | 0.003166500391069445 | 216362.8401900002 | 0.001281077933678479 | 821636.49 | 0.004928529764505394 | 1168126.89243 | 0.00744150287923745 2721603.4270699997 | 0.014259980918430277 | 3004690.67466 | 0.01534588908237428 | 3044987.0134000005 | 0.015040963575991908 | 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 | 4730925.8000300005 | 0.024162308352229427 | 4271866.47232 | 0.021101235482749052 | 0 | 0 | 3618229.1358600003 | 0.01941905413092939 | 3194494.71108 | 0.018914508055188385 | 3063494.0501900003 | 0.01837615757516636 | 3960577.67603 | 0.02523069229089507 176727728.1206652 | 0.9259740069740152 | 182709041.05134308 | 0.933151855519421 | 188515844.5218444 | 0.931189505397716 | 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 | 5986922.95602 | 0.030577076170477842 | 5986922.95602 | 0.029572897919593673 | 0 | 0 | 3000000 | 0.01610101522189564 | 3000000 | 0.017762910662757432 | 3000000 | 0.01799529289834265 | 3000000 | 0.019111372901681696 Réserves | 1734836.8717 | 0.00908976687822013 | 1925502.8827 | 0.00983414163557776 | 1925502.8827 | 0.009511179718241261 | 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 | 5176290.970139995 | 0.026436926687920206 | 6018002.31706 | 0.029726416977412504 | 0 | 0 | 7413942.880999999 | 0.03979066906041527 | 5625783.166620005 | 0.03331009459890526 | 5663748.682250003 | 0.03397360547989701 | 4545179.232969996 | 0.028954871742089723 14128307.568380002 | 0.07402599303444773 | 13088716.808859996 | 0.06684814449397582 | 13930428.15578 | 0.06881049461524744 | 0 | 0 | 13548779.749249998 | 0.07271636966026188 | 11898038.289220005 | 0.07044793039782742 | 11096548.763020003 | 0.0665618817170956 | 9676881.012829997 | 0.06164616052046577 190856035.6890452 | 1.000000000008463 | 195797757.8602031 | 1.0000000000133968 | 202446272.67762437 | 1.0000000000129634 | 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) Juin 26 | Septembre 25 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 1192375.9334 | 4331582.279479999 | 5523958.212879999 | 0.21585534999518705 | 884050.0393299999 | 4438608.68815 | 5322658.72748 | 0.1660918132447224 Avoirs à la BRH | 53551026.53878 | 27542156.75125 | 81093183.29003 | 0.6603640943191809 | 49728571.21436 | 27237793.96691 | 76966365.18127 | 0.6461078303131508 Avoirs à l'étranger | 7174261.23207 | 0 | 7174261.23207 | 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 | 96929.23993000001 | 14199.603780000001 | 111128.84371000002 | 0.872223958191673 | 79783.71855 | 7284.37258 | 87068.09113 | 0.91633705889883

57 62014592.94417999 | 31894980.99451 | 93909573.93868999 | 0.6603649696533281 | 56215489.55335999 | 31690684.33764 | 87906173.89099999 | 0.6394942137177404 Bons B.R.H. | 0 | 4000000 | 4000000 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 18148750 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 42018891.46832 | 5227523.96714 | 47246415.43546 | 0.8893561782632811 | 39884844.02835 | 21684360.46283 | 61569204.49118 | 0.6478050895405615 Portefeuille net | 18410873.85426 | 9067644.97935 | 27478518.833610002 | 0.6700096888679813 | 15985776.72144999 | 9647974.17426 | 25633750.89570999 | 0.623622223157569 Immobilisations | 0 | 5678333.31122 | 5678333.31122 | 0 | 0 | 6049936.122009999 | 6049936.122009999 | 0 Autres actifs | 1194488.73363 | 4790192.422389999 | 5984681.156019999 | 0.19959103960425062 | 1444691.2287399997 | 3719898.03882 | 5164589.26756 | 0.2797301302960228 123638847.00039 | 78807425.67461 | 202446272.675 | 0.6107242448413727 | 113530801.53189999 | 72792853.13555999 | 186323654.66745996 | 0.609320387873045 PASSIF Dépôts À vue | 54003420.02350137 | 30810579.833820004 | 84813999.85732137 | 0.6367276642340746 | 46868228.234593175 | 28070444.773949996 | 74938673.00854316 | 0.625421112397468 Épargne | 38603442.78662371 | 18074358.786790006 | 56677801.573413715 | 0.6811033899510266 | 36867108.72396852 | 16482623.902570002 | 53349732.62653852 | 0.6910458011485738 À terme | 22476385.71823933 | 6392083.60992 | 28868469.32815933 | 0.778579060176047 | 21369828.484033428 | 5592237.961350005 | 26962066.445383433 | 0.7925886736953898 115083248.52836442 | 55277022.230530016 | 170360270.75889444 | 0.6755286782282598 | 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 | 6231870.717689998 | 4606849.55954 | 10838720.277229998 | 0.5749637003532532 | 6150610.330190001 | 4867981.08756 | 11018591.417750001 | 0.5582029587086692 6231870.717689998 | 4606849.55954 | 10838720.277229998 | 0.5749637003532532 | 6150610.330190001 | 4867981.08756 | 11018591.417750001 | 0.5582029587086692 Obligations à terme Banques locales | 0 | 1866876.36364 | 1866876.36364 | 0 | 0 | 2297588.35685 | 2297588.35685 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - Autres | 335104.34403000004 | 843006.3057300001 | 1178110.6497600002 | 0.28444216517206267 | 431408.56740000006 | 158585.35797000024 | 589993.9253700003 | 0.7312084902051368 335104.34403000004 | 2709882.6693700003 | 3044987.0134000005 | 0.11005115705102007 | 431408.56740000006 | 2456173.7148200003 | 2887582.2822200004 | 0.14940130712684976 Autres passifs | 1933685.83245 | 2338180.63987 | 4271866.47232 | 0.45265596314386636 | 1772758.39065 | 1845470.74521 | 3618229.13586 | 0.4899519417054944 123583909.4225344 | 64931935.09931002 | 188515844.52184442 | 0.6555624527794746 | 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 | 1925502.8827 | 1925502.8827 | 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 | 6018002.31706 | 6018002.31706 | 0 | 0 | 7413942.880999999 | 7413942.880999999 | 0 0 | 13930428.15578 | 13930428.15578 | 0 | 0 | 13548779.749249998 | 13548779.749249998 | 0 123583909.4225344 | 78862363.25509001 | 202446272.6776244 | 0.6104528761531189 | 113459942.73083512 | 72863711.93471 | 186323654.6655451 | 0.6089400883344529 *Converties au taux de 130.5279 Gdes | *Converties au taux de 130.6911 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 | -0.05813480496045106 | 587244.6929899999 | 0.08463664721589303 | 636947.1148999999 | 0 | 0 | 706462.74569 | 0.08215449431076136 | 652829.84029 | 0.15365895675697763 | 565877.6681499998 | -0.405455984699376 | 951784.31468 Intérêts sur bons B.R.H. | 577789.6470199999 | 0.007147838424071243 | 581919.59406 | -0.017752416116331403 | 571589.1152800003 | 0 | 0 | 370706.62691999995 | -0.073962547269766 | 400314.93955999997 | -0.045520839947910965 | 419406.68410000013 | -0.14136822890850975 | 488459.31191999983 Autres | 323617.97667 | 0.12962673372368572 | 365567.51796 | -0.027490365982405836 | 355517.9330999999 | 0 | 0 | 287648.93026000005 | -0.008985802276367728 | 290257.12338 | -0.05686623044358549 | 307758.17042 | -0.06063024489820909 | 327621.9707400001 1524898.8579799999 | 0.006448261783752429 | 1534731.80501 | 0.019105851702740276 | 1564054.16328 | 0 | 0 | 1364818.30287 | 0.015941915512035207 | 1343401.90323 | 0.03894642262499864 | 1293042.5226699999 | -0.26858550524680014 | 1767865.5973399999 Dépenses d'intérêt | 293137.05718 | -0.006290004742961485 | 291293.22370000003 | 0.0015496374899021414 | 291744.6226 | 0 | 0 | 248121.91664 | -0.02428685091966544 | 254298.01460999998 | -0.03984423467970925 | 264850.79171 | -0.024965806548564114 | 271632.31145000004 1231761.8007999999 | 0.009479739104116069 | 1243438.58131 | 0.023218645298574883 | 1272309.54068 | 0 | 0 | 1116696.38623 | 0.025335046452696377 | 1089103.88862 | 0.05924202250014978 | 1028191.7309599998 | -0.31281322193791217 | 1496233.28589 AUTRES REVENUS Commissions | 500484.22213999997 | 0.06098532461121619 | 531006.4148899999 | 0.05916542898358037 | 562423.6372199998 | 0 | 0 | 456038.47297 | -0.007226030867168291 | 459357.8066599999 | -0.038602321939517036 | 477802.07623 | -0.22547506453049895 | 616896.95754 Gains sur change | 300735.85547 | -0.05382768118786833 | 284547.94172 | -0.1484071651853804 | 242318.98832999996 | 0 | 0 | 243157.41275999998 | -0.11285616705572679 | 274090.17989 | 0.030370134906925556 | 266011.37844 | -0.04420278726140343 | 278313.6159999999 Autres | 296557.21672 | -0.17014712954242903 | 246098.85755 | 0.6876829651093194 | 415336.84962 | 0 | 0 | 198071.80344000002 | -0.28950385840766346 | 278779.5624 | 0.18796383849597956 | 234670.07442999998 | -0.4556199503412386 | 431077.65352000005 1097777.29433 | -0.03290656525379072 | 1061653.21416 | 0.14922599856239274 | 1220079.4751699998 | 0 | 0 | 897267.68917 | -0.11357116282722167 | 1012227.54895 | 0.03448603767611446 | 978483.5290999999 | -0.2622391504831368 | 1326288.22706 PRODUIT NET BANCAIRE | 2329539.09513 | -0.010494479234586648 | 2305091.7954700002 | 0.08125369269374827 | 2492389.01585 | 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 | -0.06691133371170539 | 156095.36579 | 0.0227110703899392 | 159640.45863 | 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 | -0.006129622269861024 | 2148996.42968 | 0.08550601806600568 | 2332748.55722 | 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 | 0.028661967652450618 | 677353.78611 | 0.1275598754769024 | 763756.95072 | 0 | 0 | 591604.32877 | -0.0036287204446674055 | 593758.9138799999 | -0.07086552717862386 | 639045.18802 | -0.02711114881363806 | 656853.2337900001 Frais de locaux | 56893.886179999994 | 0.04150722157612347 | 59255.39332 | -0.058310006843441224 | 55800.21093 | 0 | 0

| 51615.41166 | 0.009504587969893133 | 51129.447329999995 | -0.06704946238665108 | 54804.02794 | -0.11994813379940629 | 62273.634139999995 Amortissement | 95213.9515 | 0.06483149047752744 | 101386.81389 | -0.02809620877415696 | 98538.22879999997 | 0 | 0 | 93650.60009 | 0.05023660996806315 | 89170.95366999999 | 0.03873093291783768 | 85846.05584 | -0.082141725426748 | 93528.66147 Autres dépenses d'exploitation | 703813.7749600001 | -0.0074459583862191885 | 698573.2068800001 | 0.09300819325749024 | 763546.2387099998 | 0 | 0 | 679956.93782 | 0.06667782784580098 | 637452.9591499999 | -0.04733166356100493 | 669123.69685 | -0.21897219921451086 | 856721.99655 1514402.0536500001 | 0.014637557111450596 | 1536569.2002 | 0.09441320894699491 | 1681641.6291599995 | 0 | 0 | 1416827.27834 | 0.03304017409691007 | 1371512.2740299997 | -0.05335842247567622 | 1448818.96865 | -0.13212023875455373 | 1669377.5259500002 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 647848.1530499998 | -0.054674731112903455 | 612427.22948 | 0.06315803203727975 | 651106.9280600003 | 0 | 0 | 434997.44423 | -0.2224220747090931 | 559426.1746400003 | 0.5492353278267205 | 361098.25575999985 | -0.5195749866315074 | 751622.5127999997 Impôts sur le revenu | 142944 | -0.013158999328408328 | 141063 | 0.05754166578053777 | 149180 | 0 | 0 | 87123.8 | -0.22699542179792026 | 112708 | 0.5999432181134218 | 70445 | -0.4340812506527205 | 124479 BÉNÉFICE NET (PERTE NETTE) | 504904.15304999985 | -0.06642829805893567 | 471364.22948 | 0.06483881607587513 | 501926.9280600003 | 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- juin 26) | 2025 (oct.24-juin 25) | 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 | 587244.6929899999 | -0.10046285150027126 | 652829.84029 | 636947.1148999999 | 0.12559153815407575 | 565877.6681499998 | 0 | 0 | 951784.31468 | 1847683.0421799999 | -0.04024953729872427 | 1925170.2541299998 | 2876954.5688099996 Intérêts sur Bons B.R.H. | 577789.6470199999 | 0.5586169899916285 | 370706.62691999995 | 581919.59406 | 0.45365445191630377 | 400314.93955999997 | 571589.1152800003 | 0.3628517068261957 | 419406.68410000013 | 0 | 0 | 488459.31191999983 | 1731298.3563600003 | 0.4543491852755324 | 1190428.25058 | 1678887.5624999998 Autres | 323617.97667 | 0.12504495107104435 | 287648.93026000005 | 365567.51796 | 0.25946096930549695 | 290257.12338 | 355517.9330999999 | 0.15518601054464876 | 307758.17042 | 0 | 0 | 327621.9707400001 | 1044703.42773 | 0.17957054078682727 | 885664.22406 | 1213286.1948000002 1524898.8579799999 | 0.11729074468987953 | 1364818.30287 | 1534731.80501 | 0.14242193741126694 | 1343401.90323 | 1564054.16328 | 0.20959221051012997 | 1293042.5226699999 | 0 | 0 | 1767865.5973399999 | 4623684.82627 | 0.15555641798391343 | 4001262.72877 | 5769128.32611 Dépenses d'intérêt | 293137.05718 | 0.18142347580408402 | 248121.91664 | 291293.22370000003 | 0.14547974016524332 | 254298.01460999998 | 291744.6226 | 0.1015433282882067 | 264850.79171 | 0 | 0 | 271632.31145000004 | 876174.90348 | 0.14193709894190426 | 767270.72296 | 1038903.0344100001 1231761.8007999999 | 0.10304091245290407 | 1116696.38623 | 1243438.58131 | 0.14170796220878148 | 1089103.88862 | 1272309.54068 | 0.2374244047771838 | 1028191.7309599998 | 0 | 0 | 1496233.28589 | 3747509.92279 | 0.1587876271980401 | 3233992.00581 | 4730225.2917 0 AUTRES REVENUS | 0 Commissions | 500484.22213999997 | 0.09746052538186571 | 456038.47297 | 531006.4148899999 | 0.15597559721681564 | 459357.8066599999 | 562423.6372199998 | 0.17710588798125154 | 477802.07623 | 0 | 0 | 616896.95754 | 1593914.2742499998 |

0.14406844333813537 | 1393198.35586 | 2010095.3133999999 Gains sur change | 300735.85547 | 0.23679493072592783 | 243157.41275999998 | 284547.94172 | 0.038154456442755315 | 274090.17989 | 242318.98832999996 | -0.08906532588546379 | 266011.37844 | 0 | 0 | 278313.6159999999 | 827602.78552 | 0.05661449924830127 | 783258.97109 | 1061572.58709 Autres | 296557.21672 | 0.49722076322606534 | 198071.80344000002 | 246098.85755 | -0.1172277643621124 | 278779.5624 | 415336.84962 | 0.7698756461761439 | 234670.07442999998 | 0 | 0 | 431077.65352000005 | 957992.92389 | 0.3464006418787211 | 711521.4402699999 | 1142599.0937899998 1097777.29433 | 0.22346687346501623 | 897267.68917 | 1061653.21416 | 0.04882861097909265 | 1012227.54895 | 1220079.4751699998 | 0.24690854662849313 | 978483.5290999999 | 0 | 0 | 1326288.22706 | 3379509.9836599994 | 0.17019904094141003 | 2887978.76722 | 4214266.994279999 0 PRODUIT NET BANCAIRE | 2329539.09513 | 0.15669347014907525 | 2013964.0754 | 2305091.7954700002 | 0.09696726287768798 | 2101331.43757 | 2492389.01585 | 0.2420490078576428 | 2006675.2600599998 | 0 | 0 | 2822521.51295 | 7127019.90645 | 0.16417084802947568 | 6121970.77303 | 8944492.28598 Dotation à la provision pour créances douteuses | 167288.88843 | 0.03175993680818001 | 162139.35283 | 156095.36579 | -0.08390969136876257 | 170392.9889 | 159640.45863 | -0.18864579989010474 | 196758.03565 | 0 | 0 | 401521.4742 | 483024.71285 | -0.0874107418294965 | 529290.37738 | 930811.85158 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0 ET IMPÔTS SUR LE REVENU | 2162250.2067 | 0.16763221721070082 | 1851824.72257 | 2148996.42968 | 0.11292849917623987 | 1930938.44867 | 2332748.55722 | 0.2888703006737966 | 1809917.2244099998 | 0 | 0 | 2421000.03875 | 6643995.1936 | 0.18798048942108614 | 5592680.395649999 | 8013680.4344 0 DÉPENSES D'EXPLOITATION | 0 Salaires et avantages sociaux | 658480.44101 | 0.11304195893738901 | 591604.32877 | 677353.78611 | 0.1407892501078221 | 593758.9138799999 | 763756.95072 | 0.1951532771671491 | 639045.18802 | 0 | 0 | 656853.2337900001 | 2099591.17784 | 0.15083395940509953 | 1824408.43067 | 2481261.66446 Frais de locaux | 56893.886179999994 | 0.10226547362966429 | 51615.41166 | 59255.39332 | 0.15892888373217642 | 51129.447329999995 | 55800.21093 | 0.01817718564574546 | 54804.02794 | 0 | 0 | 62273.634139999995 | 171949.49043 | 0.09140403198404258 | 157548.88692999998 | 219822.52106999996 Amortissement | 95213.9515 | 0.016693447863629043 | 93650.60009 | 101386.81389 | 0.13699371507461885 | 89170.95366999999 | 98538.22879999997 | 0.1478480616937796 | 85846.05584 | 0 | 0 | 93528.66147 | 295138.99419 | 0.09852838095895292 | 268667.60959999997 | 362196.27106999996 Autres dépenses d'exploitation | 703813.7749600001 | 0.035085805898954624 | 679956.93782 | 698573.2068800001 | 0.09588197348946323 | 637452.9591499999 | 763546.2387099998 | 0.14111373174273778 | 669123.69685 | 0 | 0 | 856721.99655 | 2165933.2205499997 | 0.09030787462547957 | 1986533.5938199998 | 2843255.59037 1514402.0536500001 | 0.06886850415833459 | 1416827.27834 | 1536569.2002 | 0.12034666353003412 | 1371512.2740299997 | 1681641.6291599995 | 0.16069824149730882 | 1448818.96865 | 0 | 0 | 1669377.5259500002 | 4732612.88301 | 0.11693080623066486 | 4237158.52102 | 5906536.04697 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 647848.1530499998 | 0.48931484918669405 | 434997.44423 | 612427.22948 | 0.09474182160694693 | 559426.1746400003 | 651106.9280600003 | 0.8031295296334847 | 361098.25575999985 | 0 | 0 | 751622.5127999997 | 1911382.31059 | 0.4100711662153935 | 1355521.8746299995 | 2107144.38743 0 Impôts sur le revenu | 142944 | 0.6406997858220141 | 87123.8 | 141063 | 0.25157930226780706 | 112708 | 149180 | 1.1176804599332812 | 70445 | 0 | 0 | 124479 | 433187 | 0.6027531774832321 | 270276.8 | 394755.8 0 BÉNÉFICE NET (PERTE NETTE) | 504904.15304999985 | 0.4514009940809933 | 347873.64423000003 | 471364.22948 | 0.05517137255465669 | 446718.17464000033 | 501926.9280600003

| 0.726892502021222 | 290653.25575999985 | 0 | 0 | 627143.5127999997 | 1478195.31059 | 0.36208433020898234 | 1085245.0746299995 | 1712388.58743 [SOGEBKVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Juin) | ANNÉE 2026 | Var. | 2025 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1847683.0421799999 | -0.04024953729872427 | 1925170.2541299998 | 2876954.5688099996 | -0.18608394462782643 | 3534706.7425700002 | -0.3092504015396053 | 5117204.19447 | 0.12516607497021137 | 4547954.571599999 Intérêts sur Bons B.R.H. | 1731298.3563600003 | 0.4543491852755324 | 1190428.25058 | 1678887.5624999998 | 0.9197968045471094 | 874513.15604 | 0.8533920481087641 | 471844.66823 | -0.23423723973820934 | 616176.0439599999 Autres | 1044703.42773 | 0.17957054078682727 | 885664.22406 | 1213286.1948000002 | 0.20691657516571868 | 1005277.59728 | 0.35349454397318375 | 742727.48402 | 0.8064466403339867 | 411153.84614000004 4623684.82627 | 0.15555641798391343 | 4001262.72877 | 5769128.32611 | 0.0654965360108098 | 5414497.495890001 | -0.1448691173852296 | 6331776.346720001 | 0.13568668831461464 | 5575284.461699999 Dépenses d'intérêt | 876174.90348 | 0.14193709894190426 | 767270.72296 | 1038903.0344100001 | 0.062217187050266506 | 978051.4258999999 | 0.0591553942130675 | 923425.80819 | 0.22430511931538233 | 754244.83131 3747509.92279 | 0.1587876271980401 | 3233992.00581 | 4730225.2917 | 0.0662194957574817 | 4436446.069990001 | -0.17970441479633922 | 5408350.5385300005 | 0.12182246012619714 | 4821039.630389999 AUTRES REVENUS Commissions | 1593914.2742499998 | 0.14406844333813537 | 1393198.35586 | 2010095.3133999999 | 0.00525808054327154 | 1999581.3535899997 | -0.07813524019621836 | 2169061.49446 | 0.12239130107168697 | 1932535.9100600001 Gains sur change | 827602.78552 | 0.05661449924830127 | 783258.97109 | 1061572.58709 | -0.06730328197862222 | 1138175.53614 | -0.10835378856167088 | 1276487.8284 | 0.050891536017939554 | 1214671.3382400002 Autres | 957992.92389 | 0.3464006418787211 | 711521.4402699999 | 1142599.0937899998 | 0.9359955261380405 | 590186.84618 | 0.28769579665590433 | 458327.85018999997 | 0.20210398086165654 | 381271.38541000005 3379509.9836599994 | 0.17019904094141003 | 2887978.76722 | 4214266.994279999 | 0.130453486646114 | 3727943.73591 | -0.045066335169184686 | 3903877.1730500003 | 0.10639104790193651 | 3528478.63371 PRODUIT NET BANCAIRE | 7127019.90645 | 0.16417084802947568 | 6121970.77303 | 8944492.28598 | 0.09554939176425135 | 8164389.8059 | -0.12326136572590832 | 9312227.71158 | 0.11530119667134757 | 8349518.264099998 Dotation à la provision pour créances douteuses | 483024.71285 | -0.0874107418294965 | 529290.37738 | 930811.85158 | -0.12277690112537269 | 1061089.0807299998 | -0.4206714057659537 | 1831584.1670700002 | 0.008674006458312011 | 1815833.61457 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 6643995.1936 | 0.18798048942108614 | 5592680.395649999 | 8013680.4344 | 0.12816291248998352 | 7103300.72517 | -0.05044256113726065 | 7480643.54451 | 0.1449348944394067 | 6533684.649529998 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 2099591.17784 | 0.15083395940509953 | 1824408.43067 | 2481261.66446 | 0.030698050803034067 | 2407360.3928199997 | 0.011631050893047267 | 2379682.18818 | 0.1564445703129447 | 2057757.24083 Frais de locaux | 171949.49043 | 0.09140403198404258 | 157548.88692999998 | 219822.52106999996 | -0.022513094282222715 | 224885.38698999997 | -0.10029161076409021 | 249953.64018 | 0.09985463617128768 | 227260.61422999998 Amortissement | 295138.99419 | 0.09852838095895292 | 268667.60959999997 | 362196.27106999996 | -0.05065813983925746 | 381523.54412000004 | 0.04594621803729966 | 364764.01706 | 0.05529706642941423 | 345650.5553400001 Autres dépenses d'exploitation | 2165933

.2205499997 | 0.09030787462547957 | 1986533.5938199998 | 2843255.59037 | 0.010367766863536524 | 2814079.86638 | 0.06027592989367728 | 2654101.43439 | 0.43921848898543975 | 1844126.8332099998 4732612.88301 | 0.11693080623066486 | 4237158.52102 | 5906536.04697 | 0.013501869058456963 | 5827849.1903099995 | 0.03175141539598484 | 5648501.27981 | 0.26229267984407784 | 4474795.24361 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1911382.31059 | 0.4100711662153935 | 1355521.8746299995 | 2107144.38743 | 0.6520771897940358 | 1275451.534860001 | -0.30384689036751916 | 1832142.2647000002 | -0.11013080186241361 | 2058889.405919998 Impôts sur le revenu | 433187 | 0.6027531774832321 | 270276.8 | 394755.8 | 0.12325233325745501 | 351440 | -0.33410683109177225 | 527772.34609 | 0.0534378165469062 | 501000 BÉNÉFICE NET (PERTE NETTE) | 1478195.31059 | 0.36208433020898234 | 1085245.0746299995 | 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. juin 26 | 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 | 0.023558333035964 | 13080973.74829176 | 0.01490228133250729 | 13275910.099191947 | 0 | 0 | 0.0809658569987285 | 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 | 0 Prêts nets | 4618229.840413365 | -0.040467114537304304 | 4431343.40450176 | -0.007807206847175656 | 4396746.989931948 | 0 | 0 | -0.0685011444512444 | 4720077.715330931 | -0.041015321194294456 | 4921953.2070201505 | -0.028367344637983256 | 5065652.31197 | 0.0017357076463365548 | 5056875.055269999 Dépôts | 8720910.979243282 | 0.042656987688891784 | 9092918.771520784 | 0.015585222215570814 | 9234633.93116307 | 0 | 0 | 0.1305335927604959 | 8168385.256570994 | -0.0021272483548556956 | 8185798.482926981 | -0.0291292839230332 | 8431399.10121467 | 0.05105830244887003 | 8021818.657985269 Avoir des Actionnaires | 1319164.59394 | -0.0003543923268919056 | 1318697.0921300002 | 0.03597948146178432 | 1366143.1297100005 | 0 | 0 | 0.06918701080863165 | 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 - juin 26) | (oct. 24- juin 25) Résultats Revenus nets d'intérêt | 136602.17251 | 0.36449196613981993 | 100112.11197999999 | 139318.97198252598 | 0.12523274559528344 | 123813.47106000001 | 166155.92403061604 | 0.18950501951988824 | 139684.92886030898 | 0 | 0 | 172084.75858000002 | 442077.06852314214 | 0.21579837230983653 | 363610.511900309 Autres revenus | 25584.32235 | 0.3066730501417081 | 19579.742880000005 | 23000.42244 | -0.7745765763408603 | 102032.08729 | 29432.082199999997 | -0.015828029250194293 | 29905.426160000003 | 0 | 0 | 34468.27318 | 78016.82699 | -0.4850960947967424 | 151517.25633 Dot. à la prov. pr créances douteuses | 3172.6575700000003 | 1.6371970248009928 | 1203.0415399999983 | 14700 | -0.3875 | 24000 | 14700.000000000002 | -0.33181818181818173 | 22000 | 0 | 0 | 30727.34243 | 32572.657570000003 | -0.3099457893534713 | 47203.04154 Dépenses d'exploitation | 104743.7427 | 0.1021505929474745 | 95035.78129 | 107163.91614000002 | -0.05814078186218335 | 113779.12333 | 115893.43420999999

| 0.232598426040766 | 94023.67531999998 | 0 | 0 | 123788.29083000001 | 327801.09305 | 0.08242844460222264 | 302838.57993999997 Bénéfice (perte) net | 39617.16905 | 1.3139905546389112 | 17120.713379999987 | 29532.49949252596 | -0.5406278638434865 | 64288.835060000005 | 47446.037580616045 | 0.21333956842932114 | 39103.676180309 | 0 | 0 | 39163.039420000016 | 116595.7061231421 | -0.03250695937735909 | 120513.22462030903 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 - juin 26) | (oct. 24- juin 25) | 2025 | 2024 | 2023 | 2022 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.10322181962559311 | 0.09456838807100848 | 0.10081031561600744 | 0.0992492900969827 | 0.10290391540035755 | 0.1020935638739926 | 0 | 0.1040375705791114 | 0.10290391540035755 | 0.1020935638739926 | 0.1040375705791114 | 0.09183505970327455 | 0.08676200663056292 | 0.08103751267768017 Dépôts en % de l'actif | 0.6823927083895402 | 0.6734887568974096 | 0.695125527081516 | 0.6683072865574338 | 0.6955932860471198 | 0.6640872297005789 | 0 | 0.6650953119743163 | 0.6955932860471198 | 0.6640872297005789 | 0.6650953119743163 | 0.6786499446877018 | 0.6852108453766899 | 0.6827486357956529 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.08476003934909415 | 0.13361507765862504 | 0.08025067023519727 | 0.1288127912650176 | 0.05180860806987473 | 0.11045659894108742 | 0 | 0.09071039623039517 | 0.05180860806987473 | 0.11045659894108742 | 0.09071039623039517 | 0.09914801393711056 | 0.04144079780893058 | 0.07124213430332414 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.8188222709911994 | 0.4756179973490498 | 0.9344483462059546 | 0.5019488114666114 | 1.5118831396546069 | 0.61378013553759 | 0 | 0.8311959289499149 | 1.5118831396546069 | 0.61378013553759 | 0.8311959289499149 | 0.6279397687536507 | 1.2126331430000805 | 0.5907699247156862 Prêts improductifs nets en % de l'avoir des actionnaires | 0.05777115631264603 | 0.32151051428586236 | 0.019110687080275753 | 0.27762506340501664 | -0.09260445758434788 | 0.18186698984821356 | 0 | 0.0611775140288256 | -0.09260445758434788 | 0.18186698984821356 | 0.0611775140288256 | 0.1747946332077859 | -0.044023165949195725 | 0.16164521078016045 Rentabilité ROA (rendement de l'actif) | 0.012646421116616858 | 0.005730992667649192 | 0.009135808511874132 | 0.021498856957634017 | 0.014401106854715138 | 0.012917630078524055 | 0 | 0.012833340363767683 | 0.012165613318914865 | 0.013283168443707707 | 0.013118642779800783 | 0.008728858383759027 | 0.014498990890740644 | 0.014647318005265836 ROE (rendement avoir des action.) | 0.1220442751770629 | 0.06149867692924476 | 0.08956496740820326 | 0.22179061340958267 | 0.14137463285796537 | 0.1283112936823106 | 0 | 0.12450907125949814 | 0.11760045913721566 | 0.13696934950583867 | 0.1338754992864929 | 0.09777687034328576 | 0.1726772101096658 | 0.1764601706585961 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7522064120047088 | 0.684146035723671 | 0.7538453373969588 | 0.7364203174164121 | 0.783619135727504 | 0.7603636974682588 | 0 | 0.7911716309837854 | 0.7642446909909296 | 0.7298948482258333 | 0.7485179520444547 | 0.7279026822540535 | 0.7556552986673709 | 0.7168337269853914 Rendement moyen des prêts | 0.10220186917625655 | 0.0824219910279685 | 0.1054115620757776 | 0.10187239164375687 | 0.12739626488696262 | 0.11023609842826679 | 0 | 0.13079935243479549 | 0.11054657373756228 | 0.09694935975122304 | 0.1067417758283085 | 0.09968563802981496 | 0.11334752155150182 | 0.09780828444250475 Rendement moyen des prêts productifs | 0.1120360

9248731637 | 0.09325819387372751 | 0.11489563758561093 | 0.1172566273319968 | 0.1364072838448352 | 0.1252051420389643 | 0 | 0.1454538378001096 | 0.11911300188946429 | 0.10830142963200141 | 0.11794512086591799 | 0.10719609520952549 | 0.12010521392894835 | 0.10367512754125206 Rémunération moyenne des dépôts | 0.02131518337375196 | 0.022883650530296003 | 0.02043001870522436 | 0.022089951992483117 | 0.020026965897161075 | 0.02182960277080342 | 0 | 0.02239586634665845 | 0.020896385516520132 | 0.022091670824235483 | 0.022010185498284717 | 0.02261502254294954 | 0.02216781397960733 | 0.022143966999330952 Dépenses d'exploitation en % du produit net bancaire | 0.6458228398758799 | 0.7940037473824809 | 0.6602040164162187 | 0.5037917245805335 | 0.592538553071353 | 0.554416407163841 | 0 | 0.599305126510238 | 0.6302729100993975 | 0.5878902257208615 | 0.591157296654877 | 0.6469908741566881 | 0.5800600943049423 | 0.561752816471301 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 8536.131308421052 | 6469.829992432432 | 8432.176333637713 | 12045.096445333334 | 10094.864837709216 | 9044.818934416478 | 0 | 10943.206980662253 | 9064.817350991583 | 9281.581409555118 | 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. juin 26 | 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 | -0.29379750535848587 | 65057.89264 | -0.006572442061197354 | 64630.30341 | 0 | 0 | -0.1631153940940825 | 77227.25804 | -0.07281416378926081 | 83292.10286 | 1.045095303419072 | 40727.73661 | -0.5577484217499984 | 92091.78353 Avoirs à la BRH | 2182608.50809 | 0.026551445692252568 | 2240559.91936 | 0.01747022684900156 | 2279703.00942 | 0 | 0 | 0.20180799764083643 | 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 | 0 Avoirs dans les banques locales | 364006.90894 | -0.36653379626371874 | 230586.07474 | -0.3519102514386295 | 149440.4712 | 0 | 0 | 0.028271775353989753 | 145331.68641 | -0.1908820927273007 | 179617.43907000002 | -0.2743288562018673 | 247519.05956999998 | -0.07051049648727735 | 266295.70171 Autres liquidités | 23813.53177 | -0.5118406760376141 | 11624.79757 | 1.2883823550314086 | 26601.981639999998 | 0 | 0 | -0.09874321982772302 | 29516.539819999998 | -0.44070189031296036 | 52774.25278 | 0.4993982125882092 | 35196.95591 | 0.29717943647048545 | 27133.451950000002 2662552.5155300004 | -0.04308791302738434 | 2547828.6843100004 | -0.010775025341798066 | 2520375.76567 | 0 | 0 | 0.17282966080032766 | 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 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 3043602.8042900003 | 0.21581514517076705 | 3700458.3853400005 | 0.036125389878615514 | 3834138.88724 | 0 | 0 | 0.2827773837557152 | 2988935.52053 | 0.1928348254229484 | 2505741.32883 | -0.08884948240498891 | 2750084.95352 | 0.18139273896253613 | 2327832.95751 Portefeuille net | 4618229.840413365 | -0.040467114537304304 | 4431343.40450176 | -0.007807206847175656 | 4396746.989931948 | 0 | 0 | -0.0685011444512444 | 4720077.715330931 | -0.041015321194294456 | 4921953.2070201505 | -0.028367344637983256 | 5065652.31197 | 0.0017357076463365548 | 5056875.055269999 Immobilisations | 752541.6410100001 | -0.10083148679740875 | 676661.74847 | 0.21693012927345617 | 823450.06904 | 0 | 0 | 0.216669363

21251265 | 676806.7758899999 | 0.15863084802546346 | 584143.5838199999 | -0.04861575014619091 | 613993.33015 | 0.10877876631930045 | 553756.39289 Autres actifs | 1702973.79269 | 0.012746956572778948 | 1724681.5256700001 | -0.013615927352661419 | 1701198.3873100001 | 0 | 0 | -0.02607001424146559 | 1746735.8148799997 | 0.019825534012546806 | 1712779.0554599997 | 0.08799803822936192 | 1574248.2939099998 | 0.08235773898394184 | 1454462.0851399999 12779900.593933364 | 0.023558333035964 | 13080973.74829176 | 0.01490228133250729 | 13275910.099191947 | 0 | 0 | 0.0809658569987285 | 12281525.834730932 | 0.018209383703329182 | 12061886.318570152 | -0.01974331638573537 | 12304824.358960003 | 0.04728147106918666 | 11749300.163209999 PASSIF Dépôts À vue | 3759761.4346099244 | 0.08435246982535044 | 4076906.5975733744 | 0.021352591225733946 | 4163959.1176168565 | 0 | 0 | 0.16472762056003526 | 3575049.688969085 | -0.10004756101050408 | 3972487.360535741 | 0.056953956358795556 | 3758429.907600661 | 0.013955373289449001 | 3706701.504433726 Épargne | 1482960.050670004 | 0.02986387077371284 | 1527246.9779857916 | -0.010167503843428374 | 1511718.6884672567 | 0 | 0 | 0.16068986215739317 | 1302431.198681619 | 0.028562072958774165 | 1266264.0718756327 | 0.026580565297491608 | 1233477.541539746 | 0.0427844843690287 | 1182869.097142448 À terme | 3478189.493963353 | 0.0030405767186117614 | 3488765.195961618 | 0.02011913246514496 | 3558956.125078957 | 0 | 0 | 0.08145230797047197 | 3290904.36892029 | 0.11667859810535519 | 2947047.050515607 | -0.14317365802056095 | 3439491.6520742616 | 0.09809044179514938 | 3132248.0564090954 8720910.979243282 | 0.042656987688891784 | 9092918.771520784 | 0.015585222215570814 | 9234633.93116307 | 0 | 0 | 0.1305335927604959 | 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 | -0.10230613455706233 | 325659.02126 | 0.13204688675173476 | 368661.28116 | 0 | 0 | -0.045646002138786966 | 386294.06068 | 0.021635305498683106 | 378113.46045 | 0.18320408185694534 | 319567.40705000004 | 0.1104967532469775 | 287769.78061 362772.91602 | -0.10230613455706233 | 325659.02126 | 0.13204688675173476 | 368661.28116 | 0 | 0 | -0.045646002138786966 | 386294.06068 | 0.021635305498683106 | 378113.46045 | 0.18320408185694534 | 319567.40705000004 | 0.1104967532469775 | 287769.78061 Obligations à terme Banques locales | 1479107.1306099999 | -0.01870759664216349 | 1451436.5910200002 | -0.01634974828857198 | 1427705.9681000002 | 0 | 0 | -0.05454350326485816 | 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 | -0.12516789865290587 | 324149.1398100001 | 0.04768389630483006 | 339605.83378 | 0 | 0 | -0.03969186163371585 | 353642.5655599998 | 0.051843598216758276 | 336212.1195200002 | -0.12093072664152071 | 382463.73716999986 | 0.09779651905649674 | 348392.19339000003 1849634.3887099999 | -0.04003421342725129 | 1775585.7308300002 | -0.0046598307287209545 | 1767311.8018800002 | 0 | 0 | -0.0517253802735593 | 1863713.0691 | 0.005797745240539784 | 1852970.0209800003 | -0.07912090100658234 | 2012175.1302699998 | -0.03772347904082241 | 2091057.0781300003 Autres passifs | 527417.7160000001 | 0.07715974514212154 | 568113.13255 | -0.050963752853313525 | 539159.95527 | 0 | 0 | -0.07897831986793091 | 585393.33753 | 0.08950866610380664 | 537300.30402 | 0.13332621801176445 | 474091.48 | 0.19562892130427856 | 396520.58557 11460735.999973282 | 0.026310758417976438 | 11762276.656160785 | 0.012539265792140231 | 11909766.969

473071 | 0 | 0 | 0.08233359575749191 | 11003785.723880993 | 0.00452826639987622 | 10954182.268376982 | -0.025188660515623348 | 11237233.118534671 | 0.04075764066886524 | 10797166.102295268 AVOIR DES ACTIONNAIRES Capital versé | 300000 | 1 | 600000 | 0 | 600000 | 0 | 0 | 1 | 300000 | 0 | 300000 | 0 | 300000 | 0 | 300000 Réserves | 322712.84589999996 | -0.30987300713460675 | 222712.84590000001 | 0 | 222712.84590000001 | 0 | 0 | -0.3910199819267288 | 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 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 696451.74804 | -0.2878411926944956 | 495984.24623000005 | 0.095660372160285 | 543430.2838100003 | 0 | 0 | -0.11207912246111848 | 612025.5729499995 | 0.3468544366754142 | 454411.0753800003 | 0.07224855657189247 | 423792.66690999997 | 0.17563829777614168 | 360478.78646999993 1319164.59394 | -0.0003543923268919056 | 1318697.0921300002 | 0.03597948146178432 | 1366143.1297100005 | 0 | 0 | 0.06918701080863165 | 1277740.1108499994 | 0.15350314970799128 | 1107704.0502000004 | 0.037573179324539005 | 1067591.25262 | 0.12126148662009512 | 952134.0609299999 12779900.593913283 | 0.023558333037495955 | 13080973.748290785 | 0.014902281331904512 | 13275910.099183071 | 0 | 0 | 0.08096585699800059 | 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 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 489268.89789364394 | 0.14202891265800374 | 558759.227458858 | -0.1548888695430277 | 472213.64237102005 | 0 | -0.014170624602517128 | 479001.391270802 | -0.08854072183620226 | 525532.41022 | 0.5493044129315532 | 339205.39168 | -0.9974135396221497 | 131146564.07841 Portefeuille brut | 4962655.0104133645 | -0.03467191098928965 | 4790590.27762176 | -0.004213311237260097 | 4770406.029771947 | 0 | 0 | -0.06553944926781764 | 5104983.860510931 | -0.027387590602893662 | 5248734.039570151 | -0.01592691236488238 | 5333683.14358 | 0.010347413503000485 | 5279058.54194 Provisions pour créances douteuses | 344425.17000000004 | 0.043033159045838494 | 359246.87312 | 0.04011772348867697 | 373659.03984 | 0 | 0 | -0.029220383932141016 | 384906.14518 | 0.17787246631457893 | 326780.83255000005 | 0.219191204933784 | 268030.83161 | 0.20634902092474205 | 222183.48667 Portefeuille de crédit improductif | 420634.833958616 | -0.08602890306704895 | 384448.080601366 | -0.3571353095481059 | 247148.09633062198 | 0 | 0 | -0.46628939524551766 | 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 | 65057.89264 | 0.004973474749805677 | 64630.30341 | 0.0048682390078804315 | 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 | 2240559.91936 | 0.17128387859142322 | 2279703.00942 | 0.17171726777200433 | 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 local

es | 364006.90894 | 0.028482765281663814 | 230586.07474 | 0.01762759250014642 | 149440.4712 | 0.011256514249000215 | 0 | 0 | 145331.68641 | 0.011833357545771426 | 179617.43907000002 | 0.014891322495177715 | 247519.05956999998 | 0.02011561094651173 | 266295.70171 | 0.022664813904732687 Autres liquidités | 23813.53177 | 0.0018633581376450077 | 11624.79757 | 0.0008886798332974316 | 26601.981639999998 | 0.002003778380633894 | 0 | 0 | 29516.539819999998 | 0.0024033283988647534 | 52774.25278 | 0.0043752901814992405 | 35196.95591 | 0.0028604192049576584 | 27133.451950000002 | 0.0023093675004543365 2662552.5155300004 | 0.20833906304356684 | 2547828.6843100004 | 0.19477362567467277 | 2520375.76567 | 0.18984579940951887 | 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 | 3700458.3853400005 | 0.2828886026793871 | 3834138.88724 | 0.2888042219774725 | 0 | 0 | 2988935.52053 | 0.24336841861111327 | 2505741.32883 | 0.2077404199185851 | 2750084.95352 | 0.22349648181019918 | 2327832.95751 | 0.19812524364634312 Portefeuille net | 4618229.840413365 | 0.361366648079066 | 4431343.40450176 | 0.33876250268298624 | 4396746.989931948 | 0.3311823413296208 | 0 | 0 | 4720077.715330931 | 0.3843233958750485 | 4921953.2070201505 | 0.4080583315929985 | 5065652.31197 | 0.4116801804067479 | 5056875.055269999 | 0.43039797988175854 Immobilisations | 752541.6410100001 | 0.05888478047843601 | 676661.74847 | 0.05172869860383024 | 823450.06904 | 0.062025884695477124 | 0 | 0 | 676806.7758899999 | 0.05510771096340959 | 584143.5838199999 | 0.048428874919892784 | 613993.33015 | 0.04989858548471751 | 553756.39289 | 0.047131010800451754 Autres actifs | 1702973.79269 | 0.1332540719055674 | 1724681.5256700001 | 0.13184657035912373 | 1701198.3873100001 | 0.12814175258791075 | 0 | 0 | 1746735.8148799997 | 0.13667835692784477 | 1712779.0554599997 | 0.14199927028188383 | 1574248.2939099998 | 0.12318157581423579 | 1454462.0851399999 | 0.12379138033210564 12779900.593933364 | 1 | 13080973.74829176 | 1 | 13275910.099191947 | 1 | 0 | 0 | 12281525.834730932 | 1 | 12061886.318570152 | 1 | 12304824.358960003 | 1 | 11749300.163209999 | 1 PASSIF Dépôts À vue | 3759761.4346099244 | 0.2941933238819313 | 4076906.5975733744 | 0.31166690462212543 | 4163959.1176168565 | 0.3136477338657408 | 0 | 0 | 3575049.688969085 | 0.2910916556360774 | 3972487.360535741 | 0.3293421323677879 | 3758429.907600661 | 0.3054436047162173 | 3706701.504433726 | 0.315482748158936 Épargne | 1482960.050670004 | 0.11603846522671445 | 1527246.9779857916 | 0.1167533096062695 | 1511718.6884672567 | 0.11386930742768958 | 0 | 0 | 1302431.198681619 | 0.10604799568132432 | 1266264.0718756327 | 0.10498060074783884 | 1233477.541539746 | 0.100243409052935 | 1182869.097142448 | 0.10067570669837063 À terme | 3478189.493963353 | 0.2721609192808944 | 3488765.195961618 | 0.26670531285312105 | 3558956.125078957 | 0.2680762447536894 | 0 | 0 | 3290904.36892029 | 0.26795566065691445 | 2947047.050515607 | 0.24432721157207504 | 3439491.6520742616 | 0.2795238316075375 | 3132248.0564090954 | 0.2665901809383463 8720910.979243282 | 0.6823927083895402 | 9092918.771520784 | 0.695125527081516 | 9234633.93116307 | 0.6955932860471198 | 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 | 325659.02126 | 0

.02489562532013549 | 368661.28116 | 0.027769190843077416 | 0 | 0 | 386294.06068 | 0.03145326288266225 | 378113.46045 | 0.03134778843569988 | 319567.40705000004 | 0.025970903584438463 | 287769.78061 | 0.02449250394598644 362772.91602 | 0.028386207964106448 | 325659.02126 | 0.02489562532013549 | 368661.28116 | 0.027769190843077416 | 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 | 1451436.5910200002 | 0.1109578399092455 | 1427705.9681000002 | 0.10754109943746147 | 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 | 324149.1398100001 | 0.024780199551453927 | 339605.83378 | 0.025580606620759692 | 0 | 0 | 353642.5655599998 | 0.02879467668096531 | 336212.1195200002 | 0.027873925407701543 | 382463.73716999986 | 0.03108242149685796 | 348392.19339000003 | 0.029652165537561396 1849634.3887099999 | 0.14472995115376905 | 1775585.7308300002 | 0.13573803946069943 | 1767311.8018800002 | 0.13312170605822116 | 0 | 0 | 1863713.0691 | 0.15174930983165014 | 1852970.0209800003 | 0.15362191054041174 | 2012175.1302699998 | 0.16352733461041194 | 2091057.0781300003 | 0.17797290469075117 Autres passifs | 527417.7160000001 | 0.04126931286541979 | 568113.13255 | 0.043430492521567034 | 539159.95527 | 0.04061190165055551 | 0 | 0 | 585393.33753 | 0.04766454473226494 | 537300.30402 | 0.044545296633478226 | 474091.48 | 0.03852891078894441 | 396520.58557 | 0.03374844289122898 11460735.999973282 | 0.8967781803728355 | 11762276.656160785 | 0.899189684383918 | 11909766.969473071 | 0.8970960845989739 | 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 | 600000 | 0.04586814495200357 | 600000 | 0.045194641686864066 | 0 | 0 | 300000 | 0.024426932291395736 | 300000 | 0.024871731674185004 | 300000 | 0.024380681206680455 | 300000 | 0.025533435679801177 Réserves | 322712.84589999996 | 0.0252515928060655 | 222712.84590000001 | 0.017025708497357392 | 222712.84590000001 | 0.01677571211585379 | 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 | 495984.24623000005 | 0.03791646216664646 | 543430.2838100003 | 0.04093356159763968 | 0 | 0 | 612025.5729499995 | 0.049833024103507734 | 454411.0753800003 | 0.03767330112209741 | 423792.66690999997 | 0.03444117969887209 | 360478.78646999993 | 0.030680873027548423 1319164.59394 | 0.10322181962559311 | 1318697.0921300002 | 0.10081031561600744 | 1366143.1297100005 | 0.10290391540035755 | 0 | 0 | 1277740.1108499994 | 0.1040375705791114 | 1107704.0502000004 | 0.09183505970327455 | 1067591.25262 | 0.08676200663056292 | 952134.0609299999 | 0.08103751267768017 12779900.593913283 | 0.9999999999984287 | 13080973.748290785 | 0.9999999999999254 | 13275910.099183071 | 0.9999999999993314 | 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) Juin 26 | Septembre 25 ACTIF | Devises converties * | Gourdes | Total | %

devises/total | Devises converties | Gourdes | Total | % devises/total Disponibilités Encaisse | 1799.6991100000002 | 62830.6043 | 64630.30341 | 0.027846056958500055 | 15106.21962 | 62121.038420000004 | 77227.25804 | 0.19560735423463702 Avoirs à la BRH | 1650126.97004 | 629576.03938 | 2279703.00942 | 0.7238341850765131 | 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 | 106363.14065 | 43077.33055 | 149440.4712 | 0.71174254066458 | 79844.39841 | 65487.288 | 145331.68641 | 0.5493942882128838 Autres liquidités | 17474.16547 | 9127.81617 | 26601.981639999998 | 0.6568745782353679 | 25334.13124 | 4182.40858 | 29516.539819999998 | 0.8583028835525613 1775763.9752699998 | 744611.7903999999 | 2520375.7656699996 | 0.7045631843702254 | 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 | 2099721.61217 | 1734417.27507 | 3834138.88724 | 0.5476383808520515 | 1379518.24546 | 1609417.27507 | 2988935.52053 | 0.461541654540404 Portefeuille net | 2560081.516641947 | 1836665.4732900003 | 4396746.989931948 | 0.58226719038058 | 2840693.3971309313 | 1879384.3181999999 | 4720077.715330931 | 0.6018319121959131 Immobilisations | 0 | 823450.06904 | 823450.06904 | 0 | 0 | 676806.7758899999 | 676806.7758899999 | 0 Autres actifs | 1164520.9040400002 | 536677.4832700001 | 1701198.3873100001 | 0.6845297483977663 | 1167926.2561299999 | 578809.5587500001 | 1746735.81488 | 0.6686335999873203 7600088.008121948 | 5675822.091069999 | 13275910.099191947 | 0.5724720905261731 | 6856161.380340931 | 5425364.45439 | 12281525.83473093 | 0.558249966054901 PASSIF Dépôts À vue | 3442367.1218568566 | 721591.9957600001 | 4163959.1176168565 | 0.8267053120893786 | 2894357.287829085 | 680692.40114 | 3575049.688969085 | 0.8095991775330297 Épargne | 1112884.7690472568 | 398833.91942 | 1511718.6884672567 | 0.7361718668541561 | 967544.413001619 | 334886.7856800001 | 1302431.198681619 | 0.742875642092275 À terme | 2550561.220158957 | 1008394.9049200001 | 3558956.125078957 | 0.7166599223255026 | 2379839.69881029 | 911064.6701100001 | 3290904.36892029 | 0.7231567472108251 7105813.111063071 | 2128820.8201 | 9234633.93116307 | 0.7694742600552784 | 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 | 210937.67707 | 157723.60408999998 | 368661.28116 | 0.5721720393480987 | 173741.32497000002 | 212552.73570999998 | 386294.06068 | 0.4497644221196676 210937.67707 | 157723.60408999998 | 368661.28116 | 0.5721720393480987 | 173741.32497000002 | 212552.73570999998 | 386294.06068 | 0.4497644221196676 Obligations à terme Banques locales | 0 | 1427705.9681000002 | 1427705.9681000002 | 0 | 0 | 1510070.5035400002 | 1510070.5035400002 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 313266.96 | 26338.873780000024 | 339605.83378000004 | 0.9224428111648323 | 313658.64 | 39983.92556000012 | 353642.56556000013 | 0.8869368977213341 313266.96 | 1454044.8418800002 | 1767311.8018800002 | 0.17725619195591766 | 313658.64 | 1550054.4291000003 | 1863713.0691000004 | 0.1682977091272252 Autres passifs | -29828.197860000007 | 568988.15313 | 539159.95527 | -0.055323466753132045 | 121694.1225 | 463699.21503 | 585393.33753 | 0.2078843654310696 7600189.550273071 | 4309577.4192 | 11909766.969473071 | 0.6381476287280649 | 6850835.487110994 | 4152950.236770001 | 11003785.723880995 | 0.6225889579295378 AVOIR DES ACTIONNAIRES Capital versé | 0 | 600000 | 600000 | 0 | 0 | 300000 | 300000 | 0 Réserves | 0 | 222712.84590000001 | 222712.84590000001 | 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 | 543430.2838100003 | 543430.2838100003 | 0 | 0 | 612025.5729499995 | 612025.5729499995 | 0 0 | 1366143.1297100005 | 1366143.1297100005 | 0 | 1277740.1108499994 | 1277740.1108499994 7600189.550273071 | 5675720.548910001 | 13275910.099183071 | 0.5724797391284494 | 6850835.487110994 | 5430690.34762 | 12281525.834730994 | 0.5578163152771685 *Converties au taux de 130.5279 Gdes | *Converties au taux de 130.6911 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 | -0.0008034448078641431 | 128513.10264 | 0.1847383585197988 | 152254.40227000002 | 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 | 0.06251591102749413 | 56297.97871999999 | 0.06188858355517214 | 59782.180880000014 | 0 | 0 | 39332.47579 | -0.06896181629862266 | 36620.036819999994 | 0.07661519822578952 | 39425.688200000004 | 0.2101059790758451 | 47709.26102 181601.97830000002 | 0.017671079852988388 | 184811.08135999998 | 0.14731531025981354 | 212036.58315000002 | 0 | 0 | 146331.49467 | 0.1489584631740168 | 168128.80923 | 0.09266250389418765 | 183708.04567000002 | 0.18397770226521606 | 217506.2298 Dépenses d'intérêt | 44999.805790000006 | 0.01094012693680104 | 45492.109377474 | 0.00854103595605923 | 45880.659119383985 | 0 | 0 | 46219.382690000006 | -0.04119580161359362 | 44315.33817 | -0.00659413585400085 | 44023.11680969103 | 0.03176409376814314 | 45421.47121999998 136602.17251 | 0.019888406037810957 | 139318.97198252598 | 0.1926295583881861 | 166155.92403061604 | 0 | 0 | 100112.11197999999 | 0.2367481677415315 | 123813.47106000001 | 0.12818845691368802 | 139684.92886030898 | 0.23194935906143666 | 172084.75858000002 AUTRES REVENUS Commissions | 10519.37387 | 0.04962495928476771 | 11041.397369999999 | 0.4018354173227261 | 15478.221889999999 | 0 | 0 | 7733.189140000002 | 0.8306167680259274 | 14156.505710000005 | 0.19320046104795424 | 16891.549140000003 | -0.10051166568136341 | 15193.751400000001 Gains sur change | 4119.15329 | 0.1658667041254976 | 4802.38367 | -0.0069291006897000285 | 4769.107469999999 | 0 | 0 | 4545.41855 | -0.08381955056702124 | 4164.423609999999 | -0.021668823455738125 | 4074.1854500000013 | 1.842334258495767 | 11580.196879999996 Autres | 10945.795189999999 | -0.3461743732846146 | 7156.6414 | 0.2833887191832751 | 9184.752840000001 | 0 | 0 | 7301.135190000001 | 10.465498965784798 | 83711.15797 | -0.8932078854624881 | 8939.691569999999 | -0.13930756561884378 | 7694.3249 25584.32235 | -0.10099544067071999 | 23000.42244 | 0.27963224487628147 | 29432.082199999997 | 0 | 0 | 19579.742880000005 | 4.211104554096165 | 102032.08729 | -0.7069017506718106 | 29905.426160000003 | 0.1525758902611135 | 34468.27318 PRODUIT NET BANCAIRE | 162186.49486 | 0.0008194243462792003 | 162319.39442252598 | 0.2049577127024643 | 195588.00623061604 | 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 | 3.633339613767394 | 14700 | 1.237407757514188e-16 | 14700.000000000002 | 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 | -0.07165692660251642 | 147619.39442252598 | 0.2253674860151942 | 180888.0

0623061604 | 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 | 0.03231018149215859 | 46161.45061000001 | 0.10552272590291528 | 51032.53271 | 0 | 0 | 39260.604289999996 | 0.2302002891560691 | 48298.40675 | -0.26899623164070535 | 35306.317339999994 | 0.31038100503290894 | 46264.72760000001 Frais de locaux | 19494.949139999997 | -0.022329393468732854 | 19059.638750000002 | -0.03541178764471622 | 18384.702869999997 | 0 | 0 | 22474.563480000004 | -0.09179103175177686 | 20411.60011 | 0.06983101140129079 | 21836.962789999998 | 0.24371420976350913 | 27158.94092 Amortissement | 5667.413710000001 | 0.04384793712192219 | 5915.9181100000005 | 5.809749114347749e-05 | 5916.261810000002 | 0 | 0 | 3453.94708 | 0.047936756460090386 | 3619.5181000000002 | -0.049881753595872144 | 3438.970190000001 | 1.6349582722029925 | 9061.54295 Autres dépenses d'exploitation | 34864.73224 | 0.03333386936689713 | 36026.908670000004 | 0.12582340026788644 | 40559.93682 | 0 | 0 | 29846.66644 | 0.3887513519583531 | 41449.59837000001 | -0.1932026771047338 | 33441.424999999996 | 0.23508730145321285 | 41303.07936 104743.7427 | 0.023105661279755024 | 107163.91614000002 | 0.08145949107156225 | 115893.43420999999 | 0 | 0 | 95035.78129 | 0.19722405377828198 | 113779.12333 | -0.17362981390445575 | 94023.67531999998 | 0.316565114144913 | 123788.29083000001 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 54270.09458999999 | -0.25455301693945387 | 40455.47828252596 | 0.6065703528881358 | 64994.57202061605 | 0 | 0 | 23453.032029999988 | 2.7550127807504663 | 88066.43502 | -0.3917469273265809 | 53566.679700309 | -0.02854911315886863 | 52037.39850000001 Impôts sur le revenu | 14652.925539999998 | -0.2545530406073434 | 10922.97879 | 0.6065704033102864 | 17548.534440000003 | 0 | 0 | 6332.318649999999 | 2.754959482337485 | 23777.59996 | -0.3917382938425042 | 14463.003520000004 | -0.10984194519507419 | 12874.359079999998 BÉNÉFICE NET | 39617.16905 | -0.254553008185577 | 29532.49949252596 | 0.6065703342388481 | 47446.037580616045 | 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- juin 26) | 2025 (oct.24-juin 25) | 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 | 128513.10264 | -0.022779239096389094 | 131508.77241 | 152254.40227000002 | 0.05525308110977875 | 144282.35747000002 | 0 | 0 | 169796.96878 | 409383.94376000005 | 0.06947356165289847 | 382790.14876 | 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 | 56297.97871999999 | 0.5373545088641994 | 36620.036819999994 | 59782.180880000014 | 0.516325614323709 | 39425.688200000004 | 0 | 0 | 47709.26102 | 169065.69905 | 0.4653175198009053 | 115378.20081 | 163087.46183 181601.97830000002 | 0.24103139047093308 | 146331.49467 | 184811.08135999998 | 0.0992231623265626 | 168128.80923 | 212036.58315000002 | 0.15420411978519089 | 183708.04567000002 | 0 | 0 | 217506.2298 | 578449.6428100001 | 0.16115293817701556 | 498168.34957 | 715674.5793699999 Dépenses d'intérêt | 44999.805790000006 | -0.026386698156050162 | 46219.382690000006 | 45492.109377474 | 0.02655449007203181 | 44315.33817 | 45880.659119383985 | 0.04219470233611541 | 44023.11680969103 | 0 | 0 | 45421.47121999998 | 136372.574286858 | 0.013486666021058713 | 134557.83766969104 | 179979.30888969102 136602.17251 | 0.36449196613981993 | 100112.11197999999 | 139318.97198252598

| 0.12523274559528344 | 123813.47106000001 | 166155.92403061604 | 0.18950501951988824 | 139684.92886030898 | 0 | 0 | 172084.75858000002 | 442077.06852314214 | 0.21579837230983653 | 363610.511900309 | 535695.2704803089 0 AUTRES REVENUS | 0 Commissions | 10519.37387 | 0.36028922603074937 | 7733.189140000002 | 11041.397369999999 | -0.22004782845526116 | 14156.505710000005 | 15478.221889999999 | -0.08367067095422154 | 16891.549140000003 | 0 | 0 | 15193.751400000001 | 37038.993129999995 | -0.04492508957291997 | 38781.24399000001 | 53974.99539000001 Gains sur change | 4119.15329 | -0.09377909983669162 | 4545.41855 | 4802.38367 | 0.1531928832763489 | 4164.423609999999 | 4769.107469999999 | 0.17056710562843855 | 4074.1854500000013 | 0 | 0 | 11580.196879999996 | 13690.64443 | 0.07091793350718516 | 12784.027610000001 | 24364.224489999997 Autres | 10945.795189999999 | 0.49919086623569253 | 7301.135190000001 | 7156.6414 | -0.9145079153896694 | 83711.15797 | 9184.752840000001 | 0.027412720906656737 | 8939.691569999999 | 0 | 0 | 7694.3249 | 27287.18943 | -0.7269970225832854 | 99951.98473 | 107646.30963 25584.32235 | 0.3066730501417081 | 19579.742880000005 | 23000.42244 | -0.7745765763408603 | 102032.08729 | 29432.082199999997 | -0.015828029250194293 | 29905.426160000003 | 0 | 0 | 34468.27318 | 78016.82699 | -0.4850960947967424 | 151517.25633 | 185985.52951000002 0 PRODUIT NET BANCAIRE | 162186.49486 | 0.3550336825317373 | 119691.85485999999 | 162319.39442252598 | -0.28128144025319074 | 225845.55835 | 195588.00623061604 | 0.153296755627369 | 169590.35502030898 | 0 | 0 | 206553.03176 | 520093.8955131421 | 0.009640573832573489 | 515127.768230309 | 721680.7999903089 0 Dotation à la provision pour créances douteuses | 3172.6575700000003 | 1.6371970248009928 | 1203.0415399999983 | 14700 | -0.3875 | 24000 | 14700.000000000002 | -0.33181818181818173 | 22000 | 0 | 0 | 30727.34243 | 32572.657570000003 | -0.3099457893534713 | 47203.04154 | 77930.38397 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0 ET IMPÔTS SUR LE REVENU | 159013.83729 | 0.34201561172323514 | 118488.81331999999 | 147619.39442252598 | -0.2686517571689436 | 201845.55835 | 180888.00623061604 | 0.22560858536945166 | 147590.35502030898 | 0 | 0 | 175825.68933000002 | 487521.2379431421 | 0.04187962322795321 | 467924.726690309 | 643750.416020309 0 DÉPENSES D'EXPLOITATION | 0 Salaires et avantages sociaux | 44716.64761000001 | 0.13896992719976323 | 39260.604289999996 | 46161.45061000001 | -0.04424485782856584 | 48298.40675 | 51032.53271 | 0.445422138439319 | 35306.317339999994 | 0 | 0 | 46264.72760000001 | 141910.63093 | 0.1550095767546104 | 122865.32837999999 | 169130.05598 Frais de locaux | 19494.949139999997 | -0.1325771840975488 | 22474.563480000004 | 19059.638750000002 | -0.0662349523170233 | 20411.60011 | 18384.702869999997 | -0.15809249451031376 | 21836.962789999998 | 0 | 0 | 27158.94092 | 56939.29075999999 | -0.1202635913212821 | 64723.12638 | 91882.0673 Amortissement | 5667.413710000001 | 0.6408513444855678 | 3453.94708 | 5915.9181100000005 | 0.6344491024924009 | 3619.5181000000002 | 5916.261810000002 | 0.7203585617588619 | 3438.970190000001 | 0 | 0 | 9061.54295 | 17499.593630000003 | 0.6646564772174196 | 10512.435370000001 | 19573.978320000002 Autres dépenses d'exploitation | 34864.73224 | 0.16812818309500954 | 29846.66644 | 36026.908670000004 | -0.13082610961858643 | 41449.59837000001 | 40559.93682 | 0.2128650863412671 | 33441.424999999996 | 0 | 0 | 41303.07936 | 111451.57773 | 0.06410192865795837 | 104737.68981000001 | 146040.76917 104743.7427 | 0.1021505929474745 | 95035.78129 | 107163.91614000002 | -0.05814078186218335 | 113779.12333 | 115893.43420999999 | 0.232598426040766 | 94023.67531999998 | 0 | 0 | 123788.29083000001 | 327801.09305 | 0.08242844460222264 | 302838.57993999997 | 426626.87077000004 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 54270.09458999999 | 1.3139905544229977 | 23453.032029999988 | 40455.47828252596 | -0.540625457663428 |

88066.43502 | 64994.57202061605 | 0.21333956825853295 | 53566.679700309 | 0 | 0 | 52037.39850000001 | 159720.1448931421 | -0.03250425285704289 | 165086.14675030904 | 217123.54525030893 0 Impôts sur le revenu | 14652.925539999998 | 1.3139905538392322 | 6332.318649999999 | 10922.97879 | -0.5406189519389997 | 23777.59996 | 17548.534440000003 | 0.21333956779677243 | 14463.003520000004 | 0 | 0 | 12874.359079999998 | 43124.43877 | -0.032496935152140215 | 44572.922130000006 | 57447.28121 0 BÉNÉFICE NET | 39617.16905 | 1.3139905546389112 | 17120.713379999987 | 29532.49949252596 | -0.5406278638434865 | 64288.835060000005 | 47446.037580616045 | 0.21333956842932114 | 39103.676180309 | 0 | 0 | 39163.039420000016 | 116595.7061231421 | -0.03250695937735909 | 120513.22462030903 | 159676.26404030895 [SGBELVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Juin) | ANNÉE 2026 | Var. | 2025 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 409383.94376000005 | 0.06947356165289847 | 382790.14876 | 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 | 169065.69905 | 0.4653175198009053 | 115378.20081 | 163087.46183 | -8.373008194154282e-05 | 163101.1183 | 0.12574351222965155 | 144883.01867000002 | 1.1587216066983668 | 67115.19365 578449.6428100001 | 0.16115293817701556 | 498168.34957 | 715674.5793699999 | 0.03637049172132506 | 690558.6227 | -0.07474858111680707 | 746347.00213 | 0.3064707936721402 | 571269.56511 Dépenses d'intérêt | 136372.574286858 | 0.013486666021058713 | 134557.83766969104 | 179979.30888969102 | -0.0421494197082837 | 187899.14898300503 | 0.030341267666886572 | 182365.935325958 | 0.12735606709473118 | 161764.273638875 442077.06852314214 | 0.21579837230983653 | 363610.511900309 | 535695.2704803089 | 0.06572202154875462 | 502659.4737169949 | -0.10872987888501875 | 563981.0668040421 | 0.37722534616823017 | 409505.291471125 AUTRES REVENUS Commissions | 37038.993129999995 | -0.04492508957291997 | 38781.24399000001 | 53974.99539000001 | 1.1058693058108442 | 25630.743199999997 | 0.21178147786894663 | 21151.291439999997 | -0.05650714516171521 | 22418.072729999996 Gains sur change | 13690.64443 | 0.07091793350718516 | 12784.027610000001 | 24364.224489999997 | 0.6844242707621108 | 14464.422600000002 | -0.31559665270430776 | 21134.35397 | 1.7073940625777582 | 7806.161010000002 Autres | 27287.18943 | -0.7269970225832854 | 99951.98473 | 107646.30963 | 0.5004216303535962 | 71744.04011 | 0.5974789949670927 | 44910.78777 | -0.4729440636117505 | 85210.66678 78016.82699 | -0.4850960947967424 | 151517.25633 | 185985.52951000002 | 0.6629725506068734 | 111839.20591 | 0.282612164641297 | 87196.43317999999 | -0.24462677416270193 | 115434.90052 PRODUIT NET BANCAIRE | 520093.8955131421 | 0.009640573832573489 | 515127.768230309 | 721680.7999903089 | 0.17442205153048396 | 614498.6796269949 | -0.05632691602204622 | 651177.499984042 | 0.24047941064312955 | 524940.191991125 Dotation à la provision pour créances douteuses | 32572.657570000003 | -0.3099457893534713 | 47203.04154 | 77930.38397 | 0.06936254016910645 | 72875.55066 | 1.006455391255436 | 36320.54367 | 2.282431105353218 | 11065.13511 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 487521.2379431421 | 0.04187962322795321 | 467924.726690309 | 643750.416020309 | 0.1885578395592065 | 541623.1289669949 | -0.11910709734190991 | 614856.956314042 | 0.1965106071616104 | 513875.056881125 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 141910.63093 | 0.1550095767546104 | 122865.32837999999 | 169130.05598 | 0.044018555461015726 | 161999.09005 | 0.029894803592110417 | 157296.73505000002 | 0.1764421657291397 |

133705.455 Frais de locaux | 56939.29075999999 | -0.1202635913212821 | 64723.12638 | 91882.0673 | 0.0001287563873069394 | 91870.23842000001 | 0.19996180576024183 | 76560.96884 | 0.31629344127582826 | 58164.05859 Amortissement | 17499.593630000003 | 0.6646564772174196 | 10512.435370000001 | 19573.978320000002 | 0.2144275854443073 | 16117.863720000001 | -0.002832430853273291 | 16163.646130000005 | -0.14805086993787658 | 18972.54843 Autres dépenses d'exploitation | 111451.57773 | 0.06410192865795837 | 104737.68981000001 | 146040.76917 | 0.14462916398747294 | 127587.84571000002 | -0.0008839911737810833 | 127700.73202999993 | 0.5194406144074976 | 84044.56931 327801.09305 | 0.08242844460222264 | 302838.57993999997 | 426626.87077000004 | 0.07307257775400687 | 397575.03790000005 | 0.052559690824144356 | 377722.08204999997 | 0.2809060904063194 | 294886.63133 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 159720.1448931421 | -0.03250425285704289 | 165086.14675030904 | 217123.54525030893 | 0.5072990113373153 | 144048.09106699488 | -0.39254784217608585 | 237134.874264042 | 0.08286487592779426 | 218988.42555112502 Impôts sur le revenu | 43124.43877 | -0.032496935152140215 | 44572.922130000006 | 57447.28121 | 0.5237477093327 | 37701.307675900025 | -0.39922646609625784 | 62754.60809820003 | 0.061355067012540426 | 59126.87473649999 BÉNÉFICE NET | 116595.7061231421 | -0.03250695937735909 | 120513.22462030903 | 159676.26404030895 | 0.5014677355411178 | 106346.78339109485 | -0.39014439116662897 | 174380.26616584198 | 0.09082055864735597 | 159861.55081462505 [unibkinfin] UNIBANK (UNIBK) INDICATEURS FINANCIERS Var. juin 26 | 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 | 0.02165642474687779 | 275261350.55863476 | 0.02107075210296114 | 281061314.23978204 | 0 | 0 | 0.06510030381721879 | 263882484.33737636 | 0.09703752761031054 | 240540982.14141735 | 0.035103946064207796 | 232383407.53702095 | 0.06253443488768318 | 218706707.19635114 Bons B.R.H. | 0 | 0 | 1500000 | 1.3333333333333333 | 3500000 | 0 | 0 | 0.4 | 2500000 | -0.20634920634920634 | 3150000 | 0 | 0 | 0 | 0 Prêts nets | 44821577.71588 | -0.04959034379132325 | 42598860.26768 | -0.013950067737865258 | 42004603.281390004 | 0 | 0 | -0.06545883011402483 | 44946766.00124 | 0.09018272789161383 | 41228653.55623999 | -0.17486826314171713 | 49966146.876399994 | -0.04315305776366303 | 52219581.492960006 Dépôts | 225153512.5416494 | 0.03616809175141869 | 233296885.44140998 | 0.026985240045723075 | 239592457.89696598 | 0 | 0 | 0.0740811271432692 | 223067375.30544776 | 0.10328891148785305 | 202184009.08663866 | 0.045620812223955885 | 193362648.0297467 | 0.0332075349053402 | 187147926.7207068 Avoir des Actionnaires | 23541073.62481 | 0.049895487144311475 | 24715666.961219996 | -0.0429761368910906 | 23653483.07454 | 0 | 0 | 0.0517908683646489 | 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 - juin 26) | (oct. 24- juin 25) Résultats Revenus nets d'intérêt | 2306565.2591700004 | 0.14422477418685217 | 2015832.30079 | 2364094.43302 | 0.1530165180084079 | 2050356.08432 | 2377626.84531 | 0.17308866950918286 | 2026809.14675 | 0 | 0 | 2274651.52613 | 7048286.537500001 | 0.15678473536955143 | 6092997.53186 Autres revenus | 1641871.02392 | 0.11547537771597695 | 1471902.5240000002 | 1708851.5014 | 0.01262707844980712 | 1687542.7665 | 1810154.26469 | 0.23708601663002257

| 1463240.42173 | 0 | 0 | 2131540.50592 | 5160876.79001 | 0.11642389538967243 | 4622685.712230001 Dot. à la prov. pr créances douteuses | 174509.55236000003 | 0.3679594935912656 | 127569.23956999999 | 136264.95515999998 | 0.15602518954613773 | 117873.69029 | 145952.24706 | -0.3820339300950081 | 236181.65165999997 | 0 | 0 | 157501.04441 | 456726.75457999995 | -0.05169550703044025 | 481624.58151999995 Dépenses d'exploitation | 2449709.16561 | 0.010347066824252281 | 2424621.44549 | 2532414.84682 | 0.05316938270727059 | 2404565.5792900003 | 2552246.87788 | 0.20987818949330347 | 2109507.30416 | 0 | 0 | 2495578.2429299997 | 7534370.890310001 | 0.08584850883047901 | 6938694.32894 Bénéfice (perte) net | 1052303.4832900004 | 0.388337999164804 | 757959.1453399999 | 1127540.2371299998 | 0.15753830828684742 | 974084.5975099998 | 1191528.61332 | 0.30771556853965454 | 911152.7322800001 | 0 | 0 | 1406854.044170001 | 3371372.3337399983 | 0.27549062866171653 | 2643196.475130001 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 - juin 26) | (oct. 24- juin 25) | 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 | 0.08978981942455881 | 0.08643038749024651 | 0.0841577331213946 | 0.08175635744056615 | 0 | 0.08522267098167033 | 0.0841577331213946 | 0.08175635744056615 | 0.08522267098167033 | 0.084210618164813 | 0.08350589749755921 | 0.07528974387734151 Dépôts en % de l'actif | 0.835676829223081 | 0.8367640059776186 | 0.8475468312857611 | 0.8465657768883847 | 0.8524561928596203 | 0.8424525611914436 | 0 | 0.8453284645458087 | 0.8524561928596203 | 0.8424525611914436 | 0.8453284645458087 | 0.8405387193761931 | 0.8320845712658815 | 0.8557027313876048 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.004525971778189713 | 0.005380708375232739 | 0.010965573976089093 | 0.012060388771435896 | 0.00828341578732469 | 0.007837792262899717 | 0 | 0.004306066321122609 | 0.00828341578732469 | 0.007837792262899717 | 0.004306066321122609 | 0.0055162569408632525 | 0.014016912999195625 | 0.00150175380596432 Provisions pour créances douteuses en % des prêts improductifs bruts | 6.31163837245793 | 4.912296839064194 | 2.8846824586227644 | 2.2731468131202406 | 3.914284011185441 | 4.1228457583161555 | 0 | 6.568374638558733 | 3.914284011185441 | 4.1228457583161555 | 6.568374638558733 | 5.035422392966732 | 1.8330676265606023 | 9.169258965939676 Prêts improductifs nets en % de l'avoir des actionnaires | -0.04711813026237679 | -0.04356080873641879 | -0.03678365344607007 | -0.0297546599167015 | -0.044305523525963016 | -0.047839820504948484 | 0 | -0.049317662804162936 | -0.044305523525963016 | -0.047839820504948484 | -0.049317662804162936 | -0.046602656203938074 | -0.030859638379443253 | -0.03944924059046916 Rentabilité ROA (rendement de l'actif) | 0.015785271877766755 | 0.01247274602562666 | 0.016560533352994844 | 0.015557269971154846 | 0.017134352974840592 | 0.014204787799657328 | 0 | 0.02157151099241643 | 0.016497712694006784 | 0.014142198264027269 | 0.016058136817353116 | 0.01290070319117264 | 0.02356083406257302 | 0.022344288908249615 ROE (rendement avoir des action.) | 0.18289064610431396 | 0.1469649866710402 | 0.18692356316438252 | 0.18093894075540598 | 0.197072491443672 | 0.1689403934045022 | 0 | 0.25831202635877765 | 0.19483934131708877 | 0.1705094659519871 | 0.18949876563808726 | 0.15382824024847003 | 0.2962793081678389 | 0.3001573948726735 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8871013308233284 | 0.861419989659761

| 0.9015452948750641 | 0.8635756758481653 | 0.8999208676699149 | 0.8728569997642295 | 0 | 0.883940536691413 | 0.8962241465697114 | 0.8659216135833496 | 0.8707467439946813 | 0.8740787500979855 | 0.8678564774472659 | 0.8223947513581819 Rendement moyen des prêts | 0.12262890693927575 | 0.12503251261197215 | 0.12289457715652344 | 0.12211417238447403 | 0.12779892749365676 | 0.11914329699855841 | 0 | 0.13642723378983376 | 0.12481965574137793 | 0.12465778744800045 | 0.12181341956229337 | 0.12556420320037712 | 0.11313361988764775 | 0.07746518073442459 Rendement moyen des prêts productifs | 0.12317282355609203 | 0.12571737682864695 | 0.1238443385685023 | 0.12318505300302572 | 0.1290420367181384 | 0.12034532082789771 | 0 | 0.13724659285564253 | 0.1256023709259646 | 0.12549361895636799 | 0.12241138654056802 | 0.12685422286581097 | 0.11400684210529684 | 0.07770523120931115 Rémunération moyenne des dépôts | 0.00523937198768192 | 0.006363339068605313 | 0.00450517201644205 | 0.006145671603897679 | 0.0044731489964797 | 0.005450128152574956 | 0 | 0.005426368220900423 | 0.004704030831469449 | 0.0059983200998429175 | 0.005841674442403599 | 0.0059463239423811765 | 0.005786844443795254 | 0.004906166998469684 Dépenses d'exploitation en % du produit net bancaire | 0.620425148077326 | 0.6951851466047132 | 0.6217649061871536 | 0.6432933782471133 | 0.6094508788402268 | 0.6044347688387534 | 0 | 0.5663798183959133 | 0.6171078794018067 | 0.6475270097935084 | 0.6238824484127199 | 0.6460347568688282 | 0.5523325541297847 | 0.572965483892479 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 10289.08477678176 | 9097.4498201239 | 10610.083840885705 | 9762.7132897682 | 10807.177058064515 | 9109.427911203915 | 0 | 11526.990273512101 | 10505.895086595676 | 9310.901048410993 | 9854.594510355166 | 8940.653834762783 | 13858.742975171173 | 8302.657319481008 [unibkvar] UNIBANK (UNIBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var. juin 26 | 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 | 0.5192534688397871 | 4469555.05303 | 0.2869763377080032 | 5752211.593332849 | 0 | 0 | 0.3279632317519915 | 4331604.562382285 | -0.740543605225775 | 16694923.11473603 | 0.4967303288776143 | 11154262.590012066 | 1.0895019024858448 | 5338239.978026357 Avoirs à la BRH | 115300257.72524524 | 0.017191349615871206 | 117282424.76659998 | 0.04011983221919697 | 121987775.97049657 | 0 | 0 | 0.07661460216660103 | 113306819.10221717 | 0.24564602640610494 | 90962293.21994957 | -0.014041330009889275 | 92257714.23143116 | 0.017577021827108776 | 90664109.2049995 Avoirs à l'étranger | 14854184.097920083 | 0.2979286133843987 | 19279670.56917 | -0.13203152803240814 | 16734146.203961035 | 0 | 0 | 0.18854686666550918 | 14079500.500395916 | 0.02485576169827133 | 13738031.268970974 | -0.08120952151349041 | 14952300.432630884 | -0.11764671704269684 | 16945933.926280208 Avoirs dans les banques locales | 3685.534430002136 | -0.0794731091377663 | 3392.633550015581 | -0.05629382814265445 | 3201.6492200000002 | 0 | 0 | 1.9135212553584247 | 1098.8933799990862 | -0.16203481653107807 | 1311.3831000113878 | -0.8335044429220758 | 7876.384950005764 | 1235331916897.313 | 6.375926050532144e-09 Autres liquidités | 697100.735766788 | 0.2285926966034972 | 856452.87276 | -0.06752388727919505 | 798621.845519811 | 0 | 0 | -0.1849325655274037 | 979823.03272437 | -0.37052022235461723 | 1556559.984165771 | -0.19128484153955413 | 1924732.049203826 | 0.916883857982657 | 1004094.24451486 133797169.74082352 | 0.060496990855380996 | 141891495.89510998 | 0.02385246096723211 | 145275957.26253027 | 0 | 0 | 0.09477935597718878 | 132698846.09109974 | 0.07926376493533409 | 122953118.97092238 | 0.022080648784030522 | 120296885.68822795 | 0.05567684046386677 | 113952377.35382092 Bons

B.R.H. | 0 | 0 | 1500000 | 1.3333333333333333 | 3500000 | 0 | 0 | 0.4 | 2500000 | -0.20634920634920634 | 3150000 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 24097140 | -0.11259717958230728 | 21383870 | -0.035289215656473784 | 20629250 | 0 | 0 | 0.31441287317652833 | 15694650 | 0.5389929397921162 | 10198000 | 0.8541818181818182 | 5500000 | -0.11290322580645161 | 6200000 Autres Placements | 57047133.061308056 | 0.019723087474181816 | 58172278.656827524 | 0.026916766637658338 | 59738088.30621418 | 0 | 0 | 0.013434170839493324 | 58946195.05155352 | 0.0781063977035106 | 54675675.03273854 | 0.1413613843510189 | 47903911.75169052 | 0.1913120996517343 | 40211051.13067739 Portefeuille net | 44821577.71588 | -0.04959034379132325 | 42598860.26768 | -0.013950067737865258 | 42004603.281390004 | 0 | 0 | -0.06545883011402483 | 44946766.00124 | 0.09018272789161383 | 41228653.55623999 | -0.17486826314171713 | 49966146.876399994 | -0.04315305776366303 | 52219581.492960006 Immobilisations | 4687957.63115 | 0.12379441386880402 | 5268300.598340001 | -0.007690042738405404 | 5227787.14158 | 0 | 0 | 0.11044936597772509 | 4707812.262089999 | 0.060077883774294946 | 4441006.01866 | 0.08237390839534574 | 4103023.9034900004 | 0.23486149346758736 | 3322659.201209999 Autres actifs | 4975556.927767661 | -0.10632212529577229 | 4446545.1406773 | 0.05376828522512531 | 4685628.248067632 | 0 | 0 | 0.06777546709182941 | 4388214.931393123 | 0.12676408981696655 | 3894528.562856447 | -0.1558296760670132 | 4613439.317212492 | 0.6470463050083847 | 2801038.017682816 269426535.0769292 | 0.02165642474687779 | 275261350.55863476 | 0.02107075210296114 | 281061314.23978204 | 0 | 0 | 0.06510030381721879 | 263882484.33737636 | 0.09703752761031054 | 240540982.14141735 | 0.035103946064207796 | 232383407.53702095 | 0.06253443488768318 | 218706707.19635114 PASSIF Dépôts À vue | 108654589.52282003 | 0.028297396457277316 | 111729231.51945 | 0.023269807283017363 | 114329149.20478722 | 0 | 0 | 0.06291557928532766 | 107561834.10319255 | 0.12485109799259649 | 95623175.63199863 | 0.03974682417966249 | 91967749.65621388 | 0.08277525922920087 | 84937062.30569333 Épargne | 85277908.55001007 | 0.03797206452795381 | 88516086.79628 | 0.030008310173560582 | 91172304.98421258 | 0 | 0 | 0.11030153404841755 | 82114904.99502163 | 0.1341419199076842 | 72402671.61776856 | -0.030151402027704107 | 74653581.77466455 | -0.0008472307877473312 | 74716884.21933973 À terme | 31221014.468819335 | 0.05863206843226863 | 33051567.12568 | 0.03144893488207873 | 34091003.707966164 | 0 | 0 | 0.02097496724488437 | 33390636.20723359 | -0.022469757983563175 | 34158161.836871475 | 0.27735527570535146 | 26741316.598868273 | -0.027375577906464586 | 27493980.195673734 225153512.5416494 | 0.03616809175141869 | 233296885.44140998 | 0.026985240045723075 | 239592457.89696598 | 0 | 0 | 0.0740811271432692 | 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 | 0.02941969878803117 | 12590558.166299999 | 0.011653800322982123 | 12737286.01712495 | 0 | 0 | 0.06841731546620039 | 11921639.450000001 | 0.13034169288014985 | 10546934.192636255 | 0.22079457133358266 | 8639401.288551684 | 0.3952947068635687 | 6191811.12495716 12230733.6658928 | 0.02941969878803117 | 12590558.166299999 | 0.011653800322982123 | 12737286.01712495 | 0 | 0 | 0.06841731546620039 | 11921639.450000001 | 0.13034169288014985 | 10546934.192636255 | 0.22079457133358266 | 8639401.288551684 | 0.3952947068635687 | 6191811.12495716 Obligations à terme Banques locales | 3719479.83235 | -0.7405308939905589 | 965090.10692 | 0.26047318253241375 | 1216470.1985 | 0 | 0 | -0.11133905863991117 | 1368880.0102300001 | -0.2

7026423932538074 | 1875857.10335 | -0.4439528811151303 | 3373557.81487 | -0.24544666232290463 | 4470933.526389999 Banque à l'étranger | 0 | 0 | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2893304.251464653 | -0.20084932438870826 | 2312186.047307 | 0.17023540427716827 | 2705801.973834335 | 0 | 0 | 0.011696360981261388 | 2674519.8245152645 | -0.184852406496049 | 3281025.2349745804 | -0.3754768786008453 | 5253648.940368953 | 1.327131149530416 | 2257564.6161708888 6612784.083814653 | -0.504402969658663 | 3277276.154227 | 0.19680856533112864 | 3922272.172334335 | 0 | 0 | -0.029956884641996053 | 4043399.8347452646 | -0.2159216422884442 | 5156882.33832458 | -0.4022535352832463 | 8627206.755238954 | 0.28218906692830137 | 6728498.142560888 Autres passifs | 1888431.1599562601 | -0.2687242884183367 | 1380963.84027 | -0.16303740749761855 | 1155815.0759044238 | 0 | 0 | -0.5105173982735295 | 2361299.608663739 | -0.01491503841609505 | 2397051.727261207 | 0.020557713201169905 | 2348766.46 | 0.08133478208894412 | 2172099.241515755 245885461.4513131 | 0.018952816987988615 | 250545683.60220698 | 0.027388807747403883 | 257407831.1623297 | 0 | 0 | 0.06634024012025748 | 241393714.19885674 | 0.09582517469390193 | 220284877.3448607 | 0.03430802260441095 | 212978022.53353736 | 0.053093698107249274 | 202240335.22974062 AVOIR DES ACTIONNAIRES Capital versé | 12520625 | 0 | 12520625 | 0 | 12520625 | 0 | 0 | 0 | 12520625 | -0.0008777792185770002 | 12531625 | -0.0023822697039776143 | 12561550 | 0.993679261191735 | 6300687.5 Réserves | 2721522.46607 | 0.19809266541477555 | 3260636.1053599995 | 0.0017681856281119028 | 3266401.51526 | 0 | 0 | 0.20165628284491077 | 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 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 8298926.15874 | 0.07657372592124397 | 8934405.855859999 | -0.11953221219288347 | 7866456.559280001 | 0 | 0 | 0.08504410019701128 | 7249895.7027199995 | 0.2920812027053336 | 5611021.728 | -0.07590573292094535 | 6071914.87697 | -0.20130437616435562 | 7602288.901760001 23541073.62481 | 0.049895487144311475 | 24715666.961219996 | -0.0429761368910906 | 23653483.07454 | 0 | 0 | 0.0517908683646489 | 22488770.14051 | 0.1102218497802687 | 20256104.8001 | 0.04383936673995961 | 19405385.00992 | 0.1784857676220703 | 16466371.96907 269426535.0761231 | 0.021656424767721182 | 275261350.563427 | 0.02107075207460434 | 281061314.2368697 | 0 | 0 | 0.06510030379814857 | 263882484.33936673 | 0.09703752760242496 | 240540982.1449607 | 0.035103946050786 | 232383407.54345736 | 0.06253443490516385 | 218706707.1988106 Hors-bilan Effets à l'encaissement | 4753.824239152001 | 0.0006047869469637192 | 4756.69929 | -0.001342734253020146 | 4750.312306932 | 0 | -0.0012487460890605758 | 4756.251657588001 | -0.26295 | 4434.180791275 | 3750.073000181 Crédit documentaire | 2085129.540821244 | -0.1978867683437695 | 1672509.99441 | 0.041054342162648604 | 1741173.7919909577 | 0 | -0.12029944636592749 | 1979280.0911606913 | 1935998.2137499999 | 1881109.1359275752 | 1809400.1296932271 Autres | 3114691.3816256328 | -0.06360414514398392 | 2916584.09891 | 0.02348720094014383 | 2985086.4956999277 | 0 | 0.025743245866106098 | 2910169.29210137 | 3713273.41183 | 2316107.008951261 | 2151870.224273834 Portefeuille brut | 46139615.68791 | -0.04658129844248284 | 43990372.47953 | -0.013143513933850961 | 43412184.40589 | 0 | 0 | -0.06146038633931967 | 46255036.84023 | 0.09075173289055428 | 42406567.365839995 | -0.1731006341135394 | 51283831.03834999 | -0.03144275000816264 | 52948683.249010004 Provisions pour créances douteuses | 1318037.97203 | 0.05574516165633479 | 1391512.21185 | 0.011547805698834936 | 1407581.1245 | 0 | 0 | 0.07590957663374084 | 1308270.83899 | 0.1

1066771467283087 | 1177913.8096 | -0.10607272697514876 | 1317684.16195 | 0.8072705915409105 | 729101.75605 Portefeuille de crédit improductif | 208826.59846 | 1.3099532684884396 | 482379.68366 | -0.25452670199215743 | 359601.17367 | 0 | 0 | 0.8054329109356817 | 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 | 4469555.05303 | 0.01623749590692326 | 5752211.593332849 | 0.020466038198431895 | 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 | 117282424.76659998 | 0.42607661601811797 | 121987775.97049657 | 0.4340254947588591 | 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 | 19279670.56917 | 0.07004132810524426 | 16734146.203961035 | 0.05953913027562598 | 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 | 3392.633550015581 | 1.2325135886786618e-05 | 3201.6492200000002 | 1.1391283886435452e-05 | 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 | 856452.87276 | 0.003111417098774871 | 798621.845519811 | 0.002841450619698171 | 0 | 0 | 979823.03272437 | 0.003713103714271754 | 1556559.984165771 | 0.0064710801889494565 | 1924732.049203826 | 0.008282570901268833 | 1004094.24451486 | 0.004591053733040759 133797169.74082352 | 0.4965998234087095 | 141891495.89510998 | 0.515479182264947 | 145275957.26253027 | 0.5168835051365016 | 0 | 0 | 132698846.09109974 | 0.5028709898056096 | 122953118.97092238 | 0.5111524775376387 | 120296885.68822795 | 0.5176655552271454 | 113952377.35382092 | 0.5210282703013603 Bons B.R.H. | 0 | 0 | 1500000 | 0.005449366563652305 | 3500000 | 0.012452798811771165 | 0 | 0 | 2500000 | 0.009473914141280121 | 3150000 | 0.013095481576391302 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 24097140 | 0.08943862932104871 | 21383870 | 0.07768569745299174 | 20629250 | 0.07339768568220867 | 0 | 0 | 15694650 | 0 | 10198000 | 0 | 5500000 | 0 | 6200000 | 0 Autres Placements | 57047133.061308056 | 0.21173539215437492 | 58172278.656827524 | 0.21133471349598704 | 59738088.30621418 | 0.21254468430774429 | 0 | 0 | 58946195.05155352 | 0.22338047634942768 | 54675675.03273854 | 0.22730295081523344 | 47903911.75169052 | 0.20614170460538994 | 40211051.13067739 | 0.18385833542167773 Portefeuille net | 44821577.71588 | 0.16635918100302227 | 42598860.26768 | 0.1547578698615947 | 42004603.281390004 | 0.1494499639518322 | 0 | 0 | 44946766.00124 | 0.17032872080958247 | 41228653.55623999 | 0.1713997057349716 | 49966146.876399994 | 0.21501598330956523 | 52219581.492960006 | 0.2387653408639094 Immobilisations | 4687957.63115 | 0.017399762164522697 | 5268300.598340001 | 0.019139267418575624 | 5227787.14158 | 0.018600166144245714 | 0 | 0 | 4707812.262089999 | 0.01784056366572256 | 4441006.01866 | 0.018462575396192036 | 4103023.9034900004 | 0.01765626878001756 | 3322659.201209999 | 0.015192305914180184 Autres actifs | 4975556.927767661 | 0.018

46721194832199 | 4446545.1406773 | 0.016153902942251677 | 4685628.248067632 | 0.016671195965696578 | 0 | 0 | 4388214.931393123 | 0.016629428597400756 | 3894528.562856447 | 0.016190706997973425 | 4613439.317212492 | 0.01985270534634675 | 2801038.017682816 | 0.012807279911942032 269426535.0769292 | 1 | 275261350.55863476 | 1 | 281061314.23978204 | 1 | 0 | 0 | 263882484.33737636 | 1 | 240540982.14141735 | 1 | 232383407.53702095 | 1 | 218706707.19635114 | 1 PASSIF Dépôts À vue | 108654589.52282003 | 0.4032809518624286 | 111729231.51945 | 0.405902358949772 | 114329149.20478722 | 0.4067765409623379 | 0 | 0 | 107561834.10319255 | 0.40761263246890495 | 95623175.63199863 | 0.3975338205602755 | 91967749.65621388 | 0.3957586758493612 | 84937062.30569333 | 0.3883605738229065 Épargne | 85277908.55001007 | 0.31651636883375545 | 88516086.79628 | 0.321571069155329 | 91172304.98421258 | 0.32438582033538305 | 0 | 0 | 82114904.99502163 | 0.31117982385688364 | 72402671.61776856 | 0.3009993181752373 | 74653581.77466455 | 0.3212517733770278 | 74716884.21933973 | 0.34163051136909206 À terme | 31221014.468819335 | 0.115879508526897 | 33051567.12568 | 0.1200734031806602 | 34091003.707966164 | 0.12129383156189927 | 0 | 0 | 33390636.20723359 | 0.12653600822002015 | 34158161.836871475 | 0.14200558064068028 | 26741316.598868273 | 0.11507412203949251 | 27493980.195673734 | 0.1257116461956062 225153512.5416494 | 0.835676829223081 | 233296885.44140998 | 0.8475468312857611 | 239592457.89696598 | 0.8524561928596203 | 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 | 12590558.166299999 | 0.04574037779276979 | 12737286.01712495 | 0.045318531479783736 | 0 | 0 | 11921639.450000001 | 0.04517783542903919 | 10546934.192636255 | 0.04384672457367605 | 8639401.288551684 | 0.037177358659633834 | 6191811.12495716 | 0.028311025319393876 12230733.6658928 | 0.04539543093779002 | 12590558.166299999 | 0.04574037779276979 | 12737286.01712495 | 0.045318531479783736 | 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 | 965090.10692 | 0.0035060865063743177 | 1216470.1985 | 0.0043281310406959525 | 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 | 2312186.047307 | 0.008399966223425434 | 2705801.973834335 | 0.00962708788704351 | 0 | 0 | 2674519.8245152645 | 0.010135268474643678 | 3281025.2349745804 | 0.013640192227391924 | 5253648.940368953 | 0.022607676666984048 | 2257564.6161708888 | 0.010322338281761455 6612784.083814653 | 0.024543922824552186 | 3277276.154227 | 0.011906052729799754 | 3922272.172334335 | 0.013955218927739462 | 0 | 0 | 4043399.8347452646 | 0.015322729149297148 | 5156882.33832458 | 0.02143868496925309 | 8627206.755238954 | 0.03712488273873235 | 6728498.142560888 | 0.030764937339210898 Autres passifs | 1888431.1599562601 | 0.007009076368135222 | 1380963.84027 | 0.005016918784520147 | 1155815.0759044238 | 0.004112323601099945 | 0 | 0 | 2361299.608663739 | 0.008948299901727446 | 2397051.727261207 | 0.009965252930795582 | 2348766.46 | 0.010107289865890354 | 2172099.241515755 | 0.009931562087694374 245885461.4513131 | 0.9126252593535583 | 250545683.60220698 | 0.9102101805928509 | 257407831.1623297 | 0.91584

22668682434 | 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 | 12520625 | 0.045486316820686094 | 12520625 | 0.044547664035037814 | 0 | 0 | 12520625 | 0.047447730498066165 | 12531625 | 0.052097671209442746 | 12561550 | 0.05405527930387553 | 6300687.5 | 0.028808844414375232 Réserves | 2721522.46607 | 0.010101167152273717 | 3260636.1053599995 | 0.01184560091252417 | 3266401.51526 | 0.011621668830856361 | 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 | 8934405.855859999 | 0.03245790169134855 | 7866456.559280001 | 0.027988400255500423 | 0 | 0 | 7249895.7027199995 | 0.027473955768321994 | 5611021.728 | 0.023326676718652472 | 6071914.87697 | 0.02612886583136399 | 7602288.901760001 | 0.03476020008355206 23541073.62481 | 0.08737474064344972 | 24715666.961219996 | 0.08978981942455881 | 23653483.07454 | 0.0841577331213946 | 0 | 0 | 22488770.14051 | 0.08522267098167033 | 20256104.8001 | 0.084210618164813 | 19405385.00992 | 0.08350589749755921 | 16466371.96907 | 0.07528974387734151 269426535.0761231 | 0.9999999999970081 | 275261350.563427 | 1.0000000000174096 | 281061314.2368697 | 0.9999999999896381 | 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) Juin 26 | Septembre 25 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 927504.0423328498 | 4824707.551 | 5752211.593332849 | 0.16124303275072172 | 1062278.739882285 | 3269325.8225 | 4331604.562382285 | 0.2452390850973838 Avoirs à la BRH | 83910890.40623657 | 38076885.56426 | 121987775.97049657 | 0.6878631054519012 | 77789354.91989717 | 35517464.18232 | 113306819.10221717 | 0.6865372758343986 Avoirs à l'étranger | 16734146.203961035 | 0 | 16734146.203961035 | 1 | 14079500.500395916 | 0 | 14079500.500395916 | 1 Avoirs dans les banques locales | 0 | 3201.6492200000002 | 3201.6492200000002 | 0 | 0 | 1098.8933799990862 | 1098.8933799990862 | 0 Autres liquidités | 390505.159709811 | 408116.68581 | 798621.8455198109 | 0.4889738014311856 | 453203.63074437 | 526619.40198 | 979823.03272437 | 0.46253620869092066 101963045.81224026 | 43312911.450289994 | 145275957.26253027 | 0.701857676476923 | 93384337.79091975 | 39314508.300179996 | 132698846.09109974 | 0.7037313476472132 Bons B.R.H. | 0 | 3500000 | 3500000 | 0 | 0 | 2500000 | 2500000 | 0 Bons du Trésor / M.E.F. | 0 | 20629250 | 20629250 | 0 | 0 | 15694650 | 15694650 | 0 Autres Placements | 46264723.918174185 | 13473364.388039999 | 59738088.30621418 | 0.7744593981820063 | 45254150.094933525 | 13692044.95662 | 58946195.051553525 | 0.7677196137147593 Portefeuille net | 28181768.24504 | 13822835.036350003 | 42004603.281390004 | 0.6709209477887352 | 29822534.73142 | 15124231.269820001 | 44946766.00124 | 0.663507909125147 Immobilisations | 0 | 5227787.14158 | 5227787.14158 | 0 | 0 | 4707812.262089999 | 4707812.262089999 | 0 Autres actifs | 881437.8447876329 | 3804190.40328 | 4685628.248067633 | 0.18811518928142462 | 671525.495793123 | 3716689.4355999995 | 4388214.931393122 | 0.15302930833880884 177290975.82024208 | 103770338.41954 | 281061314.2397821 | 0.630791100866303 | 169132548.11306643 | 94749936.22431 | 263882484.33737642 | 0.640938

8957276481 | 0 0 PASSIF | 0 Dépôts | 0 À vue | 82320986.59472722 | 32008162.610060003 | 114329149.20478722 | 0.7200349794195814 | 78720018.13710256 | 28841815.966089997 | 107561834.10319255 | 0.7318582729035676 | 0 Épargne | 60033952.54753257 | 31138352.43668 | 91172304.98421258 | 0.6584669824671875 | 55244420.55464163 | 26870484.44038 | 82114904.99502163 | 0.6727697067662798 À terme | 26067450.18593616 | 8023553.52203 | 34091003.707966164 | 0.7646430832379655 | 25275221.07772359 | 8115415.12951 | 33390636.20723359 | 0.7569553608040593 168422389.32819593 | 71170068.56877 | 239592457.89696592 | 0.7029536355465084 | 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 | 6906482.723704953 | 5830803.293419999 | 12737286.01712495 | 0.5422256134014236 | 6564731.3 | 5356908.08091 | 11921639.38091 | 0.5506567587098833 6906482.723704953 | 5830803.293419999 | 12737286.01712495 | 0.5422256134014236 | 6564731.3 | 5356908.08091 | 11921639.38091 | 0.5506567587098833 Obligations à terme Banques locales | 0 | 1216470.1985 | 1216470.1985 | 0 | 0 | 1368880.0102300001 | 1368880.0102300001 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1422614.2689343346 | 1283187.7048999998 | 2705801.9738343344 | 0.5257643695626322 | 1361743.005135264 | 1312776.8193799998 | 2674519.8245152635 | 0.5091542013086665 1422614.2689343346 | 2499657.9033999997 | 3922272.1723343343 | 0.36270156848591867 | 1361743.005135264 | 2681656.82961 | 4043399.8347452637 | 0.3367816839269012 Autres passifs | 495153.73696442397 | 660661.3389399999 | 1155815.0759044238 | 0.4284022135435176 | 1897156.647303739 | 464142.96135999996 | 2361299.608663739 | 0.8034374970219645 177246640.05779967 | 80161191.10453 | 257407831.16232967 | 0.6885829357150453 | 169063290.72190678 | 72330423.40786 | 241393714.12976676 | 0.7003632689085802 AVOIR DES ACTIONNAIRES Capital versé | 0 | 12520625 | 12520625 | 0 | 0 | 12520625 | 12520625 | 0 Réserves | 0 | 3266401.51526 | 3266401.51526 | 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 | 7866456.559280001 | 7866456.559280001 | 0 | 0 | 7249895.7027199995 | 7249895.7027199995 | 0 0 | 23653483.07454 | 23653483.07454 | 0 | 0 | 22488770.14051 | 22488770.14051 | 0 0 | 0 177246640.05779967 | 103814674.17907001 | 281061314.2368697 | 0.6306333567785916 | 169063290.72190678 | 94819193.54837 | 263882484.27027678 | 0.6406764404595601 *Converties au taux de 130.5279 Gdes | *Converties au taux de 130.6911 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 | -0.022397417893744907 | 1384560.84812 | 0.008438257275484867 | 1396244.12877 | 0 | 0 | 1342046.02767 | -0.019346135009300994 | 1316082.62403 | -0.04986375774725233 | 1250457.79889 | 0.192763279851561 | 1491500.14552 Intérêts sur Bons B.R.H. | 21996 | 0.14627659574468085 | 25213.5 | 0.5777262180974478 | 39780 | 0 | 0 | 64656.75 | -0.10120642577921093 | 58113.07143 | -0.02485548473788512 | 56668.64287000001 | -0.1269548165553239 | 49474.28571 Autres | 1161836.84886 | 0.043601624513550055 | 1212494.82289 | -0.005343565001421773 | 1206015.7779899999 | 0 | 0 | 933424.3670300001 | 0.07139656752485225 | 1000067.66288 | 0.014845210550299965 | 1014913.8779 | 0.01716401602079239 | 1032333.8759600001 2600114.7546800002 | 0.008520553291012738 | 2622269.1710099997 | 0.007539552372644127 | 2642039.9067599997 | 0 | 0 | 2340127.1447 | 0.014587332879460247 | 2374263.35834 | -0.021995470088251815

| 2322040.31966 | 0.10821000195500112 | 2573308.30719 Dépenses d'intérêt | 293549.49551000004 | -0.12050696070365063 | 258174.73799 | 0.024163183077353118 | 264413.06145000004 | 0 | 0 | 324294.84391 | -0.0011951157944020373 | 323907.27402 | -0.08853182194429327 | 295231.17290999996 | 0.011603138368604207 | 298656.78106 2306565.2591700004 | 0.024941489784989158 | 2364094.43302 | 0.005724142022834926 | 2377626.84531 | 0 | 0 | 2015832.30079 | 0.017126317261842716 | 2050356.08432 | -0.01148431618784362 | 2026809.14675 | 0.12228205096538898 | 2274651.52613 AUTRES REVENUS Commissions | 718972.0491800001 | 0.0006587101550609654 | 719445.64337 | 0.10357734338475448 | 793963.91182 | 0 | 0 | 667437.9279000002 | -0.07788107092377941 | 615457.1473 | 0.135090269833966 | 698599.4193999999 | 0.4489603395023953 | 1012242.8519100001 Gains sur change | 421237.54646 | 0.08130375297220134 | 455485.73988 | 0.014301435763315402 | 461999.83993 | 0 | 0 | 396445.88928999996 | 0.11413021287982701 | 441692.34303 | -0.22405774241207127 | 342727.75381 | 0.25842632881462235 | 431297.62901000003 Autres | 501661.42828 | 0.0643037077428942 | 533920.11815 | 0.03796522007868088 | 554190.51294 | 0 | 0 | 408018.70681 | 0.5450107204607949 | 630393.27617 | -0.3307142311489035 | 421913.24852 | 0.6306670326504017 | 688000.0249999999 1641871.02392 | 0.040795212598418756 | 1708851.5014 | 0.059281197463329306 | 1810154.26469 | 0 | 0 | 1471902.5240000002 | 0.14650443149861714 | 1687542.7665 | -0.13291653949322288 | 1463240.42173 | 0.4567260952235475 | 2131540.50592 0 PRODUIT NET BANCAIRE | 3948436.2830900005 | 0.03153391428987668 | 4072945.93442 | 0.02819462311285331 | 4187781.11 | 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 | -0.2191547493119708 | 136264.95515999998 | 0.07109158689132769 | 145952.24706 | 0 | 0 | 127569.23956999999 | -0.07600225032837822 | 117873.69029 | 1.003684207043417 | 236181.65165999997 | -0.3331359853612431 | 157501.04441 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 3773926.7307300004 | 0.04312596935301856 | 3936680.97926 | 0.026709780201637067 | 4041828.86294 | 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 | -0.01254016740059375 | 1249143.7191299999 | -0.11072420959401691 | 1110833.26816 | 0 | 0 | 1228648.64826 | -0.04202400360194242 | 1177015.91304 | -0.09835286232537611 | 1061253.02899 | -0.051631104150673235 | 1006459.3633199999 Frais de locaux | 80441.12906 | -0.08162388378589983 | 73875.21169 | -0.02135334605360653 | 72297.72872999999 | 0 | 0 | 91475.30219 | 0.06934803524151113 | 97818.93467 | -0.08324450871879452 | 89676.04551 | -0.12237500803685909 | 78701.93872 Amortissement | 184074.30138999998 | 0.013727909169928927 | 186601.25668000002 | 0.04657009322773443 | 195291.29460000002 | 0 | 0 | 193117.06337 | -0.04164969723358724 | 185073.79615 | 0.019640036005172615 | 188708.65217 | 0.024164174125371328 | 193268.6409 Autres dépenses d'exploitation | 920186.61498 | 0.11150786445880904 | 1022794.6593200001 | 0.14766397701999268 | 1173824.5863899998 | 0 | 0 | 911380.4316700001 | 0.036512199081370024 | 944656.9354300001 | -0.18502733784560463 | 769869.5774899999 | 0.5809798640936813 | 1217148.29999 2449709.16561 | 0.03376142865081929 | 2532414.84682 | 0.007831272623007797 | 2552246.87788 | 0 | 0 | 2424621.44549 | -0.008271751550043073 | 2404565.5792900003 | -0.12270751842714256 | 2109507.30416 | 0.18301474377863428 | 2495578.2429299997 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1324217.5651200004 | 0.060449709646273615 | 1404266.1324399998 | 0.0607547605465343 | 1489581.9850599999 | 0 | 0 | 935544.1397299999 | 0.2992006786454608 | 1215459.5812399997 | -0.0

5849554331330802 | 1144360.61266 | 0.5319583052015325 | 1753112.7447100012 Impôts sur le revenu | 271914.08183 | 0.017696080495780815 | 276725.89531 | 0.07707076493910353 | 298053.37174 | 0 | 0 | 177584.99439 | 0.3592082177839236 | 241374.98372999998 | -0.03383574894047696 | 233207.88038 | 0.4847641510903904 | 346258.70054 BÉNÉFICE NET (PERTE NETTE) | 1052303.4832900004 | 0.0714972011731574 | 1127540.2371299998 | 0.05675041482588144 | 1191528.61332 | 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- juin 26) | 2025 (oct.24-juin 25) | 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 | 1384560.84812 | 0.052031857908974986 | 1316082.62403 | 1396244.12877 | 0.11658636541705843 | 1250457.79889 | 0 | 0 | 1491500.14552 | 4197086.8827100005 | 0.07381196137454013 | 3908586.4505900005 | 5400086.59611 Intérêts sur Bons B.R.H. | 21996 | -0.6598035007945806 | 64656.75 | 25213.5 | -0.566130314926292 | 58113.07143 | 39780 | -0.2980244808181341 | 56668.64287000001 | 0 | 0 | 49474.28571 | 86989.5 | -0.5152126366030207 | 179438.46430000002 | 228912.75001000002 Autres | 1161836.84886 | 0.24470379164920472 | 933424.3670300001 | 1212494.82289 | 0.2124127875490456 | 1000067.66288 | 1206015.7779899999 | 0.1882937106795866 | 1014913.8779 | 0 | 0 | 1032333.8759600001 | 3580347.4497399996 | 0.21433329117136038 | 2948405.90781 | 3980739.7837699996 2600114.7546800002 | 0.11109977958626266 | 2340127.1447 | 2622269.1710099997 | 0.10445589862592021 | 2374263.35834 | 2642039.9067599997 | 0.1378096600608791 | 2322040.31966 | 0 | 0 | 2573308.30719 | 7864423.832450001 | 0.11767230157068252 | 7036430.8227 | 9609739.129889999 Dépenses d'intérêt | 293549.49551000004 | -0.09480677530763508 | 324294.84391 | 258174.73799 | -0.20293627621941362 | 323907.27402 | 264413.06145000004 | -0.10438637341794088 | 295231.17290999996 | 0 | 0 | 298656.78106 | 816137.2949500001 | -0.13492845453509478 | 943433.2908399999 | 1242090.0718999999 2306565.2591700004 | 0.14422477418685217 | 2015832.30079 | 2364094.43302 | 0.1530165180084079 | 2050356.08432 | 2377626.84531 | 0.17308866950918286 | 2026809.14675 | 0 | 0 | 2274651.52613 | 7048286.537500001 | 0.15678473536955143 | 6092997.53186 | 8367649.057989999 AUTRES REVENUS Commissions | 718972.0491800001 | 0.07721185615289308 | 667437.9279000002 | 719445.64337 | 0.16896139158704349 | 615457.1473 | 793963.91182 | 0.13650811863242748 | 698599.4193999999 | 0 | 0 | 1012242.8519100001 | 2232381.60437 | 0.1266150930288835 | 1981494.4946000003 | 2993737.3465100005 Gains sur change | 421237.54646 | 0.06253478176908257 | 396445.88928999996 | 455485.73988 | 0.031228517015662108 | 441692.34303 | 461999.83993 | 0.34800825084659337 | 342727.75381 | 0 | 0 | 431297.62901000003 | 1338723.12627 | 0.13367913208960996 | 1180865.98613 | 1612163.6151400001 Autres | 501661.42828 | 0.22950595133768245 | 408018.70681 | 533920.11815 | -0.15303646416746328 | 630393.27617 | 554190.51294 | 0.3135176837513545 | 421913.24852 | 0 | 0 | 688000.0249999999 | 1589772.05937 | 0.0886424647590566 | 1460325.2315 | 2148325.2565 1641871.02392 | 0.11547537771597695 | 1471902.5240000002 | 1708851.5014 | 0.01262707844980712 | 1687542.7665 | 1810154.26469 | 0.23708601663002257 | 1463240.42173 | 0 | 0 | 2131540.50592 | 5160876.79001 | 0.11642389538967243 | 4622685.712230001 | 6754226.218150001 PRODUIT NET BANCAIRE | 3948436.2830900005 | 0.13209188239468286 | 3487734.82479 | 4072945.93442 | 0.08963513914414757 | 3737898.85082 | 4187781.11 | 0.19992023833170908 | 3490049.56848 | 0 | 0 | 4406192.0320500005 | 12209163.32751 | 0.13937329514137076 | 10715683.244090002 | 15

121875.27614 Dotation à la provision pour créances douteuses | 174509.55236000003 | 0.3679594935912656 | 127569.23956999999 | 136264.95515999998 | 0.15602518954613773 | 117873.69029 | 145952.24706 | -0.3820339300950081 | 236181.65165999997 | 0 | 0 | 157501.04441 | 456726.75457999995 | -0.05169550703044025 | 481624.58151999995 | 639125.62593 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 3773926.7307300004 | 0.12313712970871657 | 3360165.58522 | 3936680.97926 | 0.0874733750976579 | 3620025.16053 | 4041828.86294 | 0.24216131885589043 | 3253867.91682 | 0 | 0 | 4248690.987640001 | 11752436.572929999 | 0.1483651755791967 | 10234058.662570002 | 14482749.65021 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1265007.12018 | 0.02959224508283199 | 1228648.64826 | 1249143.7191299999 | 0.06128023019137265 | 1177015.91304 | 1110833.26816 | 0.046718584367373465 | 1061253.02899 | 0 | 0 | 1006459.3633199999 | 3624984.1074699997 | 0.04559281063464147 | 3466917.59029 | 4473376.95361 Frais de locaux | 80441.12906 | -0.12062461523309667 | 91475.30219 | 73875.21169 | -0.24477595325256885 | 97818.93467 | 72297.72872999999 | -0.19378995450978165 | 89676.04551 | 0 | 0 | 78701.93872 | 226614.06948 | -0.18767666736831723 | 278970.28237000003 | 357672.22109 Amortissement | 184074.30138999998 | -0.04682528732675815 | 193117.06337 | 186601.25668000002 | 0.008253251199116397 | 185073.79615 | 195291.29460000002 | 0.03488256820397403 | 188708.65217 | 0 | 0 | 193268.6409 | 565966.85267 | -0.001645192844177143 | 566899.51169 | 760168.15259 Autres dépenses d'exploitation | 920186.61498 | 0.009662466961095002 | 911380.4316700001 | 1022794.6593200001 | 0.08271545040256585 | 944656.9354300001 | 1173824.5863899998 | 0.5247057692771955 | 769869.5774899999 | 0 | 0 | 1217148.29999 | 3116805.86069 | 0.1869445210582842 | 2625906.94459 | 3843055.2445799997 2449709.16561 | 0.010347066824252281 | 2424621.44549 | 2532414.84682 | 0.05316938270727059 | 2404565.5792900003 | 2552246.87788 | 0.20987818949330347 | 2109507.30416 | 0 | 0 | 2495578.2429299997 | 7534370.890310001 | 0.08584850883047901 | 6938694.32894 | 9434272.57187 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1324217.5651200004 | 0.4154517236377243 | 935544.1397299999 | 1404266.1324399998 | 0.1553375810385908 | 1215459.5812399997 | 1489581.9850599999 | 0.30167184066004565 | 1144360.61266 | 0 | 0 | 1753112.7447100012 | 4218065.682619998 | 0.2799997983754341 | 3295364.333630001 | 5048477.078340001 Impôts sur le revenu | 271914.08183 | 0.5311771288110125 | 177584.99439 | 276725.89531 | 0.14645640171039118 | 241374.98372999998 | 298053.37174 | 0.2780587485051434 | 233207.88038 | 0 | 0 | 346258.70054 | 846693.34888 | 0.2982751876601413 | 652167.8585 | 998426.55904 BÉNÉFICE NET (PERTE NETTE) | 1052303.4832900004 | 0.388337999164804 | 757959.1453399999 | 1127540.2371299998 | 0.15753830828684742 | 974084.5975099998 | 1191528.61332 | 0.30771556853965454 | 911152.7322800001 | 0 | 0 | 1406854.044170001 | 3371372.3337399983 | 0.27549062866171653 | 2643196.475130001 | 4050050.5193000017 [UNIBKVARAN ] UNIBANK (UNIBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Juin) | ANNÉE 2026 | Var. | 2025 | 2025 | Var. | 2024 | Var. | 2023 | Var. | 2022 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 4197086.8827100005 | 0.07381196137454013 | 3908586.4505900005 | 5400086.59611 | -0.08194269821582244 | 5882080.111574 | -0.0023779637595377147 | 5896100.82566 | 0.6069468825982995 | 3669132.37115 Intérêts sur Bons B.R.H. | 86989.5 | -0.5152126366030207 | 179438.46430000002 | 228912.75001000002 | 2.779012707605067 | 60574.75 | 0 | 0 | 0 | 0 Autres | 3580347.4497399996 | 0.21433329117136038 | 2948405.90781 | 3980739.7837699996 | 0.17194043991408706 | 3396708.26963 | 0.3946194413108697 | 2435580.75344 | 1.2553549290930437 | 1079910.18266 7864423.832450001 | 0.11767230157068252 | 7036430.8227 | 9609739.129889999 |

0.02895015376183824 | 9339363.131204 | 0.12094575897280645 | 8331681.5791 | 0.7543918557680149 | 4749042.55381 Dépenses d'intérêt | 816137.2949500001 | -0.13492845453509478 | 943433.2908399999 | 1242090.0718999999 | 0.05617723572773335 | 1176024.27877 | 0.06816352641038065 | 1100977.7526500002 | 0.3053190799927057 | 843454.8835799999 7048286.537500001 | 0.15678473536955143 | 6092997.53186 | 8367649.057989999 | 0.02502777469479674 | 8163338.852434 | 0.12898260644730192 | 7230703.82645 | 0.8513740919363828 | 3905587.6702300003 AUTRES REVENUS Commissions | 2232381.60437 | 0.1266150930288835 | 1981494.4946000003 | 2993737.3465100005 | 0.10563321250121337 | 2707712.93107 | 0.029393823026415963 | 2630395.5497900005 | 0.27368200922791636 | 2065190.1579300002 Gains sur change | 1338723.12627 | 0.13367913208960996 | 1180865.98613 | 1612163.6151400001 | -0.0648050817927983 | 1723879.78565 | -0.36679732130249887 | 2722477.08932 | -0.0388297780549785 | 2832460.91812 Autres | 1589772.05937 | 0.0886424647590566 | 1460325.2315 | 2148325.2565 | 0.4494870959926998 | 1482127.89368 | -0.4705983193926729 | 2799628.2368799997 | 0.2525492928015777 | 2235144.15997 5160876.79001 | 0.11642389538967243 | 4622685.712230001 | 6754226.218150001 | 0.14212805492905256 | 5913720.6104 | -0.2746126985626523 | 8152500.875990001 | 0.14296017286751403 | 7132795.236020001 PRODUIT NET BANCAIRE | 12209163.32751 | 0.13937329514137076 | 10715683.244090002 | 15121875.27614 | 0.07422116927647454 | 14077059.462834 | -0.08490722608656613 | 15383204.702440001 | 0.39361035335437916 | 11038382.90625 Dotation à la provision pour créances douteuses | 456726.75457999995 | -0.05169550703044025 | 481624.58151999995 | 639125.62593 | -0.3982736363701208 | 1062153.2719200002 | 1.0371129732277582 | 521401.26045 | 3.7968290200286745 | -186425.86183 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 11752436.572929999 | 0.1483651755791967 | 10234058.662570002 | 14482749.65021 | 0.1127817164230299 | 13014906.190914001 | -0.12427140880210023 | 14861803.441990001 | 0.3240139541844603 | 11224808.76808 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 3624984.1074699997 | 0.04559281063464147 | 3466917.59029 | 4473376.95361 | 0.1034399513910283 | 4054028.44801 | 0.05510592143531269 | 3842295.22899 | 0.2969862958212676 | 2962479.43511 Frais de locaux | 226614.06948 | -0.18767666736831723 | 278970.28237000003 | 357672.22109 | -0.037251279067836256 | 371511.49964 | -0.07680041489773225 | 402417.31651000003 | 0.40340510372852617 | 286743.51791999995 Amortissement | 565966.85267 | -0.001645192844177143 | 566899.51169 | 760168.15259 | -0.013123006814507739 | 770276.4963 | 0.2980467808954709 | 593411.96915 | 0.12983185285600465 | 525221.4899500001 Autres dépenses d'exploitation | 3116805.86069 | 0.1869445210582842 | 2625906.94459 | 3843055.2445799997 | -0.014210250965984059 | 3898453.24355 | 0.06558198374172401 | 3658520.2293499997 | 0.4346193216755654 | 2550167.96029 7534370.890310001 | 0.08584850883047901 | 6938694.32894 | 9434272.57187 | 0.03738649677800191 | 9094269.6875 | 0.07033658126309453 | 8496644.743999999 | 0.3434253677912339 | 6324612.40327 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 4218065.682619998 | 0.2799997983754341 | 3295364.333630001 | 5048477.078340001 | 0.2876677228159005 | 3920636.5034140013 | -0.38404732867822056 | 6365158.697990002 | 0.2989599240757782 | 4900196.36481 Impôts sur le revenu | 846693.34888 | 0.2982751876601413 | 652167.8585 | 998426.55904 | 0.14747440568112688 | 870107.9118600001 | -0.17221588511279878 | 1051129.0277399998 | 1.4514879746382214 | 428771.84739000007 BÉNÉFICE NET (PERTE NETTE) | 3371372.3337399983 | 0.27549062866171653 | 2643196.475130001 | 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 3 2026 | Trim 2 2026 Avril | Nombre de jours de dépassement | Mai | Nombre de jours de dépassement | Juin | Nombre de jours de dépassement | Janvier | Nombre de jours de dépassement | Février | Nombre de jours de dépassement | Mars | Nombre de jours de dépassement BNC | 0.0012 | 0 | 0.0017 | 0 | 0.0034 | 0 | BNC | 0.0015 | 0 | 0.0024 | 0 | 0.0035 | 0 BPH | 0.0431 | 0 | 0.0554 | 0 | 0.0557 | 0 | BPH | 0.0873 | 0 | 0.0367 | 0 | 0.0412 | 0 BUH | 0.0004 | 0 | 0.0002 | 0 | 0.0035 | 0 | BUH | 0.0016 | 0 | 0.0013 | 0 | 0.0006 | 0 CAPITALBK | 0.0005 | 0 | 0.0006 | 0.0034 | 0 | CAPITALBK | 0.0015 | 0 | 0.0014 | 0.0017 | 0 CBNA | 0 | 0 | 0 | CBNA | 0 | 0 | 0 SCOTIA | 0 | 0 | SCOTIA | 0 | 0 SOGEBK | 0.0034 | 0.0012 | 0 | 0.0043 | 0 | SOGEBK | 0.0024 | 0.0025 | 0 | 0.0048 | 0 SOGEBL | 0.001 | 0 | 0.0006 | 0 | 0.0032 | 0 | SOGEBL | 0.0019 | 0 | 0.001 | 0 | 0.0034 | 0 UNIBK | 0.0068 | 0 | 0.0008 | 0 | 0.0019 | 0 | UNIBK | 0.0038 | 0 | 0.0027 | 0 | 0.0013 | 0 1 Position de chaque banque le dernier jour du mois [Apparentés juin 26] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES Au 30 JUIN 2026 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 | 75 | 409485354.32 | 1 | 751162539.4896 | 1 | 1001886194.91 | 77 | 2162534088.7195997 | 0.1893544043795626 | 0.3473529242419252 | 0.46329267137851227 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 10 | 187195191.95333698 | 2 | 575216947.964946 | 1 | 429020492.805647 | 13 | 1191432632.72393 | 0.15711773105069257 | 0.48279435376035323 | 0.36008791518895433 | 1 CAPITALBK | 13 | 934998660 | 1 | 544140350 | 0 | 0 | 14 | 1479139010 | 0.6321235892493972 | 0.3678764107506028 | 0 | 1 SOGEBK | 17 | 1245653620.6649299 | 0 | 0 | 0 | 0 | 17 | 1245653620.6649299 | 1 | 0 | 0 | 1 SOGEBL | 3 | 15021730.3545 | 1 | 94131932.6160098 | 0 | 0 | 4 | 109153662.9705098 | 0.13762002983407384 | 0.8623799701659262 | - | 1 UNIBK | 14 | 1534347800 | 0 | 0 | 0 | 0 | 14 | 1534347800 | 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 | 2162534088.7195997 | 9464260644.89 | 0.22849477311122113 BPH | 0 | 1453100245.27 | 0 BUH | 1191432

632.72393 | 3473371162.64892 | 0.34301909497495214 CAPITALBK | 1479139010 | 7548774000 | 0.19594426989071337 SOGEBK | 1245653620.6649299 | 12320868000 | 0.10110112539676018 SOGEBL | 109153662.9705098 | 1073197774.18 | 0.1017088048415969 UNIBK | 1534347800 | 22005198050 | 0.06972660716407413 CBNA | 0 | 0 | #DIV/0! SCOTIABK | 0 | 0 | 0 [Apparentés mars 26] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES Au 31 MARS 2026 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 | 338884872.618 | 2 | 1448308771.415 | 0 | 0 | 71 | 1787193644.033 | 0.18961844103992492 | 0.810381558960075 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 10 | 180023452.9168015 | 1 | 259413684.48093998 | 2 | 842934524.244529 | 13 | 1282371661.6422706 | 0.1403832120605771 | 0.2022921218866624 | 0.6573246660527604 | 0.9999999999999999 CAPITALBK | 13 | 964480880 | 1 | 533986990 | 0 | 0 | 14 | 1498467870 | 0.643644684887371 | 0.356355315112629 | 0 | 1 SOGEBK | 16 | 1217469817.0076883 | 0 | 0 | 0 | 0 | 16 | 1217469817.0076883 | 1 | 0 | 0 | 1 SOGEBL | 3 | 24507805.345875 | 1 | 97146680.30502172 | 0 | 0 | 4 | 121654485.65089671 | 0.2014541857190808 | 0.7985458142809192 | - | 1 UNIBK | 12 | 1235337280 | 0 | 0 | 0 | 0 | 12 | 1235337280 | 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 | 1787193644.033 | 9464260644.89 | 0.18883605503806072 BPH | 0 | 1459038420 | 0 BUH | 1282371661.6422706 | 3539932080 | 0.362258832277446 CAPITALBK | 1498467870 | 7391227000 | 0.20273600986683266 SOGEBK | 1217469817.0076883 | 12049807000 | 0.10103645784597946 SOGEBL | 121654485.65089671 | 1075066415.26 | 0.11315997218783466 UNIBK | 1235337280 | 22005198050 | 0.05613843043780285 CBNA | 0 | 0 | #DIV/0! SCOTIABK | 0 | 0 | 0 [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 | Nomb

re | 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 | 57 | 167693702.6 | 0 | 1 | 1024540824 | 58 | 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 mars 25] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES Au 31 MARS 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 m

ontant 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 | 58 | 344829623.66 | 0 | 0 | 1 | 1031460643.5999999 | 59 | 1376290267.26 | 0.2505500706231885 | 0 | 0.7494499293768114 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 10 | 181398423.70690995 | 0 | 0 | 3 | 1501977.1644594087 | 13 | 182900400.87136936 | 0.9917880050710456 | 0 | 0.00821199492895438 | 1 CAPITALBK | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! SOGEBK | 15 | 1482551400 | 0 | 0 | 0 | 0 | 15 | 1482551400 | 1 | 0 | 0 | 1 SOGEBL | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | - | #DIV/0! UNIBK | 10 | 1199594799.9999998 | 0 | 0 | 0 | 0 | 10 | 1199594799.9999998 | 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 | 1376290267.26 | 8503345740 | 0.16185279410501777 BPH | 0 | 1421922640 | 0 BUH | 182900400.87136936 | 2673926268.42 | 0.0684014376280628 CAPITALBK | 0 | #DIV/0! SOGEBK | 1482551400 | 10261999000 | 0.14447003941434802 SOGEBL | 0 | #DIV/0! UNIBK | 1199594799.9999998 | 19923253970 | 0.06021078694305274 CBNA | 0 | 0 | #DIV/0! SCOTIABK | 0 | 0 | 0 [Apparentés déc. 24] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES Au 31 DECEMBRE 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 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 | 54 | 359037078.48359996 | 0 | 1 | 1275476240.77265 | 55 | 1634513319.25625 | 0.2196599282818766 | 0 | 0.7803400717181234 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 10 | 180961164.13624924 | 3 | 1508206911.2662096 | 0 | 0 | 13 | 1689168075.402459 | 0.10713034822963587 | 0.8928696517703641 | 0 | 1 CAPITALBK | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! SOGEBK | 15 | 1344866843.237858 | 1 | 989224389.1 | 0 | 0 | 16 | 2334091232.337858 | 0.5761843515820162 | 0.4238156484179837 | 0 | 0.9999999999999999 SOGEBL | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | - | #DIV/0! UNIBK | 10 | 1258722890.05 | 0 | 0 | 0 | 0 | 10 | 1258722890.05 | 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 | 1634513319.25625 | 6971537990 | 0.2344551979205739 BPH | 0 | 1399600170 | 0 BUH | 1689168075.402459 | 2640677830 | 0.639672153949374 CAPITALBK | 0 | #DIV/0! SOGEBK | 2334091232.337858 | 9918005000 | 0.23533878358983062 SOGEBL | 0 | 0 | #DIV/0! UNIBK | 1258722890.05 | 19923000705.960003 | 0.06317938289654583 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'en

cours 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'enco

urs | % 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 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 Appa

renté (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 | 2

80270000 | 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. LIMIT

E 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 PROPRE

S 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 P

ROPRES 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 établissem

ent bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 41 | 58450250 | 0 | 0 | 0 | 0 | 41 | 58450250 | 1 | 0 | 0 | 1 BPH | 2 | 1824000 | 0 | 0 | 0 | 0 | 2 | 1824000 | 1 | 0 | 0 | 1 BUH | 0 | 0 | 0 | 0 | 3 | 114786000 | 3 | 114786000 | 0 | 0 | 1 | 1 CAPITALBK | 31 | 97532880 | 1 | 48759000 | 0 | 0 | 32 | 146291880 | 0.6667005714876314 | 0.33329942851236855 | 0 | 1 SOGEBK | 15 | 475948270 | 2 | 519196608 | 1 | 462172372 | 18 | 1457317250 | 0.3265920786980323 | 0.35626875891299575 | 0.31713916238897194 | 1 SOGEBL | 6 | 55340626 | 0 | 0 | 0 | 0 | 6 | 55340626 | 1 | 0 | - | 1 UNIBK | 7 | 90109500 | 2 | 764987000 | 0 | 0 | 9 | 855096500 | 0.10537933437921919 | 0.8946206656207808 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 7694000 | 0 | 0 | 0 | 0 | 1 | 7694000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 58450250 | 1891133000 | 0.03090753003622696 BPH | 1824000 | 202275000 | 0.009017426770485724 BUH | 114786000 | 221541000 | 0.5181253131474535 CAPITALBK | 146291880 | 851135000 | 0.17187858565327474 SOGEBK | 1457317250 | 3856976950 | 0.3778392427260941 SOGEBL | 55340626 | 386006883 | 0.14336694094649086 UNIBK | 855096500 | 4921291000 | 0.17375450872545437 CBNA | 0 | 329080000 | 0 SCOTIABK | 7694000 | 309696000 | 0.02484371771027072 [Apparentés sept. 13 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 SEPTEMBRE 2013 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 40 | 50822500 | 0 | 0 | 0 | 0 | 40 | 50822500 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 BUH | 0 | 0 | 0 | 0 | 2 | 87742900 | 2 | 87742900 | 0 | 0 | 1 | 1 CAPITALBK | 32 | 137959600 | 0 | 0 | 0 | 0 | 32 | 137959600 | 1 | - | - | 1 SOGEBK | 14 | 636670157 | 1 | 311426690 | 1 | 542642824 | 16 | 1490739671 | 0.42708339315402843 | 0.20890749475466264 | 0.36400911209130893 | 1 SOGEBL | 6 | 50315020 | 0 | 0 | 0 | 0 | 6 | 50315020 | 1 | 0 | - | 1 UNIBK | 7 | 42411200 | 2 | 725913000 | 0 | 0 | 9 | 768324200 | 0.05519961495420813 | 0.9448003850457919 | - | 1 CBNA | 0

| 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | 0 | #DIV/0! SCOTIABK | 1 | 7667000 | 0 | 0 | 0 | 0 | 1 | 7667000 | 1 | 0 | 0 | 0 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 50822500 | 1693916000 | 0.03000296354718888 BPH | 0 | 195473000 | 0 BUH | 87742900 | 221541000 | 0.3960571632338935 CAPITALBK | 137959600 | 804757000 | 0.17143013356826967 SOGEBK | 1490739671 | 3859900176 | 0.38621197518761946 SOGEBL | 50315020 | 384139418 | 0.13098114289328153 UNIBK | 768324200 | 4595480000 | 0.16719128360911156 CBNA | 0 | 347892000 | 0 SCOTIABK | 7667000 | 314826000 | 0.024353134747447797 [Non apparentés juin 26] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2026 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 | 2 | 1451559104.8794 | 1 | 1090964092.70426 | 3 | 2542523197.58366 | 0.5709128263840108 | 0.42908717361598925 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 1724809325.3923202 | 9 | 4929962487.71442 | 0 | 0 | 15 | 6654771813.106741 | 0.25918384188549703 | 0.7408161581145029 | 0 | 0.9999999999999999 CAPITALBK | 4 | 2209156350 | 1 | 1357499720 | 0 | 0 | 5 | 3566656070 | 0.6193914710705481 | 0.38060852892945185 | 0 | 1 SOGEBK | 2 | 2268691280.30147 | 4 | 7925331021.241329 | 6 | 10194022301.542799 | 0.22255113959855846 | 0.7774488604014416 | 0 | 1 SOGEBL | 0 | 0 | 2 | 291778051.779628 | 0 | 0 | 2 | 291778051.779628 | 0 | 1 | 0 | 1 UNIBK | 0 | 0 | 3 | 7801614620 | 0 | 0 | 3 | 7801614620 | 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 mars 26] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2026 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 | 2 | 1477918015.756647 | 1 | 1102011625.3742678 | 3 | 2579929641.1309147 | 0.5728520623953142 | 0.42714793760468595 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 5 | 1521963145.828511 | 9 | 5050792382.957955 | 1 | 892401201.4307921 | 15 | 7465156730.217258 | 0.2038755783475985 | 0.6765822293473753 | 0.1195421923050262 | 1 CAPITALBK | 4 | 2305505990 | 1 | 1394411720 | 0 | 0 | 5 | 3699917710 | 0.623123585632395 | 0.376876

41436760494 | 0 | 1 SOGEBK | 3 | 3414491534.9062724 | 4 | 7897966825.034011 | 7 | 11312458359.940283 | 0.30183461686786683 | 0.6981653831321332 | 0 | 1 SOGEBL | 0 | 0 | 2 | 296068826.990354 | 0 | 0 | 2 | 296068826.990354 | 0 | 1 | 0 | 1 UNIBK | 0 | 0 | 3 | 8176080420 | 0 | 0 | 3 | 8176080420 | 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 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 mars 25] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 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 | 546209356.45445 | 4 | 4980668041.260752 | 0 | 0 | 5 | 5526877397.715201 | 0.09882784023402649 | 0.9011721597659735 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 3 | 568379007.7123919 | 13 | 5863790123.940773 | 1 | 848186761.6316557 | 17 | 7280355893.284821 | 0.07807022294564575 | 0.8054263019407273 | 0.11650347511362699 | 1 CAPITALBK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! SOGEBK | 2 | 1834281200 | 6 | 10984925400 | 8 | 12819206600 | 0.14308851220168337 | 0.8569114877983166 | 0 | 1 SOGEBL | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 UNIBK | 0 | 0 | 5 | 14859271660 | 0 | 0 | 5 | 14859271660 | 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 déc. 24] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2024 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 | 2 | 1120045445.09695 | 4 | 4849854554.495047 | 0 | 0 | 6 | 5969899999.591997 | 0.18761544501139008 | 0.8123845549886098 | 0 | 0.9999999999999999 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 3 | 535673109.0955725 | 12 | 5650116151.478174 | 2 | 2220323490.6496687 | 17 | 8406112751.223415 | 0.06372423555913062 | 0.6721437504696642 | 0.2641320139712051 | 1 CAPITALBK | 3 | 1511113577.705 | 3 | 2835193997.2 | 0 | 0 | 6 | 4346307574.905 | 0.3476775519592696 | 0.6523224480407305 | 0 | 1 SOGEBK | 3 | 9431409545.854954 | 1 | 2503808472.4198575 | 4 | 11935218018.27481 | 0 | 0.7902167795689942 | 0.20978322043100586 | 1 SOGEBL | 1 | 57811649.33925749 | 0 | 0 | 0 | 0 | 1 | 57811649.33925749 | 1 | 0 | 0 | 1 UNIBK | 2 | 5548804209.87 | 0 | 0 | 2 | 5548804209.87 | 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 d

u 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 Ap

parenté (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 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 enco

urt 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'é

tablissement 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 ris

ques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 1039389500 | 1 | 353457000 | 1 | 777875000 | 7 | 2170721500 | 0.47882213356250447 | 0.16282927128146102 | 0.3583485951560345 | 1 BPH | 76 | 75085000 | 30 | 57800000 | 37 | 543349000 | 143 | 676234000 | 0.11103405034352014 | 0.0854733716435435 | 0.8034925780129364 | 1 BUH | 4 | 232268000 | 2 | 197998000 | 3 | 546034000 | 9 | 976300000 | 0.23790638123527605 | 0.2028044658404179 | 0.559289152924306 | 1 CAPITALBK | 4 | 338768270 | 5 | 985335970 | 0 | 0 | 9 | 1324104240 | 0.25584713028333783 | 0.7441528697166622 | 0 | 1 SOGEBK | 11 | 3483107611 | 4 | 2750016511 | 1 | 930603331 | 16 | 7163727453 | 0.4862144231270771 | 0.38388067232350637 | 0.12990490454941656 | 1 SOGEBL | 7 | 233005373 | 3 | 220375627 | 0 | 0 | 10 | 453381000 | 0.5139284023812202 | 0.48607159761877977 | 0 | 1 UNIBK | 8 | 2585024000 | 5 | 4931479000 | 0 | 0 | 13 | 7516503000 | 0.3439131202368974 | 0.6560868797631026 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 103023000 | 1 | 44550000 | 0 | 0 | 4 | 147573000 | 0.6981155089345612 | 0.3018844910654388 | 0 | 1 [Secteur d' activitésjuin 26] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2026 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 | 3350.4600000000005 | 10.79 | 0 | 0 | 3361.2500000000005 200 | Agriculture & Sylviculture | 951073.06 | 0 | 1.939644594 | 0 | 0 | 0 | 0 | 0 | 951074.999644594 300 | Pêcherie et Aquaculture | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 400 | Industrie alimentaire (sauf boisson) | 1649381.27 | 0 | 2114784.0002277098 | 2361272.4860286103 | 3864357.33 | 1053667.23 | 69904.83081860401 | 0 | 11113367.147074925 410 | Industrie des boissons | 0 | 0 | 304313.807837582 | 1932938.53678269 | 1345486.95 | 171636.59 | 0 | 0 | 3754375.8846202716 420 | Industrie du bois | 0 | 0 | 0 | 32797.288018695 | 640.52 | 10771.76 | 0 | 0 | 44209.568018695 430 | Industrie chimique | 0 | 0 | 19428.12702 | 34046.510742050996 | 16832.87 | 163193.71 | 0 | 0 | 233501.21776205098 440 | Industrie textile | 221.18 | 0 | 1071 | 28058.174912563 | 88706.84999999999 | 356483.86 | 0 | 0 | 474541.06491256296 450 | Industrie pharmaceutique | 0 | 0 | 47256.975 | 0 | 120333.42 | 30660.18 | 0 | 0 | 198250.57499999998 460 | Imprimerie, Edition | 78911.18000000001 | 0 | 16300 | 89261.260514724 | 152913.52 | 41753.59 | 0 | 0 | 379139.550514724 470 | Sidérurgie, Aciérie | 24316.24 | 0 | 0 | 958163.615935146 | 0 | 454477.36 | 0 | 0 | 1436957.215935146 480 | Industrie de la fabrication | 2586.75 | 909.9513199999999 | 165689.131896807 | 2117433.94421679 | 448838.48 | 23245.34 | 0 | 0 | 2758703.597433597 490 | Autres Industries | 0 | 0 | 0 | 2038.9573500000001 | 1210439.36 | 613583.56 | 0 | 0 | 1826061.8773500002 500 | Production et distribution de l'électricité | 0 | 0 | 0 | 442290.938551344 | 0 | 22548.76 | 0 | 0 | 464839.698551344 600 | Production et distribution de gaz | 0 | 0 | 0 | 156633.48 | 1

1420.82 | 12801.81 | 0 | 0 | 180856.11000000002 700 | Production et distribution de l' eau | 29.78 | 0 | 31105.58 | 192675.657333974 | 39742.22000000001 | 15986.27 | 0 | 0 | 279539.50733397406 800 | Entrepreneurs en bâtiment et corps de métiers correspondants | 256237.24 | 79905.71225 | 2154808.9977619485 | 2226764.860551585 | 425328.37 | 475930.97000000003 | 0 | 0 | 5618976.150563533 900 | Commerce de gros | 2151866.04 | 137945.07483 | 7124195.0667074295 | 10581589.728265041 | 15395177.66 | 1834179.4300000002 | 0 | 0 | 37224952.99980247 1000 | Commerce de détail | 720716.6399999999 | 24729.803359999998 | 2149960.7380267773 | 2539838.519909284 | 7693305.03 | 1157933.6700000002 | 0 | 0 | 14286484.401296062 1100 | Restaurants, débits de boissons, casinos et activités de loterie | 15845.13 | 0 | 16280.5529295 | 0 | 43891.07000000001 | 56370.02 | 0 | 0 | 132386.7729295 1200 | Hôtels, motels et pensions | 2419661.68 | 4382.05951 | 2.617084395 | 798217.6206944081 | 339800.68 | 89048.49 | 136704.52805 | 0 | 3787817.675338804 1300 | Transport | 48332.38 | 58316.41288 | 176751.678387192 | 372499.14267992706 | 805130.75 | 10850.95 | 0 | 0 | 1471881.313947119 1400 | Promotion et Développement Immobilier Résidentiel | 165621.69 | 0 | 455345.97438934696 | 134925.82568 | 2605262.77 | 1241733.2 | 3558997.3451010576 | 0 | 8161886.805170405 1500 | Promotion et Développement Immobilier Commercial | 2141067.39 | 0 | 1237521.467809689 | 0 | 1358433.5399999998 | 210027.55 | 964956.2834143059 | 0 | 5912006.231223995 1600 | Télécommunications | 5026.88 | 0 | 58263.311260616 | 0 | 1531503.0899999999 | 1584.88 | 0 | 0 | 1596378.1612606158 1700 | Services financiers | 173712.46 | 23200.72464 | 890224.1271611161 | 483083.56045 | 55475.63 | 1377685.5 | 0 | 0 | 3003382.0022511156 1710 | Services professionnels | 86595.67 | 0 | 131916.0199962155 | 91849.46461153799 | 290496.11 | 443945.51000000007 | 0 | 0 | 1044802.7746077536 1720 | Services médicaux | 29417.2 | 0 | 6314.356564079 | 7193.396320000001 | 79627.14 | 12759.29 | 0 | 0 | 135311.382884079 1730 | Services d’agence ou de représentation | 0 | 0 | 116755.16025907699 | 88603.256370666 | 91020.39 | 2.02 | 0 | 0 | 296380.82662974304 1740 | Services d'enseignement | 23533.43 | 0 | 1500 | 4507.995593123201 | 127497.12999999999 | 57.91 | 0 | 0 | 157096.4655931232 1750 | Autres services | 30953.85 | 2012.9108999999999 | 25451.447060393002 | 55781.198794276395 | 2453186.03 | 564463.3699999999 | 37209.294053424004 | 0 | 3169058.1008080933 1800 | Administration publique et défense ; sécurité sociale obligatoire | 763741.38 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 763741.38 1900 | Activités des organisations associatives | 1601.87 | 0 | 1038.1819999999998 | 0 | 0 | 0 | 0 | 2640.0519999999997 2000 | Activités des organisations et organismes extraterritoriaux | 0 | 0 | 588 | 0 | 0 | 0 | 0 | 0 | 588 Total | 11740450.39 | 331402.64969 | 17246868.25902446 | 25732465.420306433 | 40598198.19000001 | 10447393.569999997 | 4767772.281437391 | 0 | 0 | 110864550.76045832 (1) Commerce de gros 1. Import-Export | 710878.56 | 4048.1983 | 621657.312216333 | 1839217.8482174922 | 3369509.2 | 198710 | 0 | 6744021.118733825 2. Produits Pétroliers | 750642.99 | 1799966.48624823 | 2304527.18725811 | 838955.66 | 118120 | 0 | 5812212.32350634 3. Produits Pharmaceutiques | 0 | 0 | 76856.08148551699 | 190822.61 | 9580 | 0 | 277258.69148551696 4. Produits Alimentaires | 467007.34 | 33770.18 | 2990901.29037881 | 3239881.5115881 | 3321815 | 1121480 | 0 | 11174855.321966909 5. Matériaux de Construction | 155723.12 | 1362200.5665422599 | 89493.264559872 | 4903116.87 | 337180 | 0 | 6847713.821102132 9. Autres | 67614.03 | 100126.69002 | 349469.411321791 | 3031613.83515597 | 2770958.32 | 49110 | 0 | 6368892.286497761 0 S-Total | 2151866.04 | 137945.06832 | 7124195.066707425 | 10581589.728265062 | 15395177.66 | 1834180 | 0 | 0 | 0 | 37224953.56329248 (2) Commerce de détail 1. Produits Pétroliers | 62544.93 | 51036.1134206559 | 16474.41709 | 30

6480.98 | 33660 | 470196.44051065587 2. Produits Pharmaceutiques | 0 | 6000 | 32834.183047509 | 22004.79 | 3420 | 0 | 64258.973047509004 3. Véhicules automobiles | 180011.25 | 163155.36 | 1024494.7422458499 | 1752300.26 | 115080 | 0 | 3235041.6122458503 4. Produits Alimentaires | 176275.79 | 1420047.38697998 | 267346.317729579 | 1478014.3 | 173800 | 0 | 3515483.794709559 5. Librairie, Papeterie | 0 | 0 | 65972.919130804 | 66677.08 | 0 | 132649.999130804 6. Appareils électroménagers, électroniques et équipements informatiques | 1293.51 | 191409.12410534098 | 292993.069658125 | 1045938.9199999999 | 706790 | 0 | 2238424.623763466 7. Matériaux de constrution | 56191.39 | 0 | 30248.3192756013 | 25099.9389245705 | 548672.9500000001 | 3210 | 0 | 663422.5982001718 9. Autres | 244399.76 | 24729.803359999998 | 288064.43140019797 | 814622.932082846 | 2473215.75 | 121980 | 0 | 0 | 3967012.676843044 S-Total | 720716.63 | 24729.803359999998 | 2149960.735181776 | 2539838.5199092836 | 7693305.03 | 1157940 | 0 | 0 | 0 | 14286490.71845106 INFORMATIONS ADDITIONNELLES Prêts à la consommation | 3079582.2011000398 | 34544.424909999994 | 1049929.07251119 | 2509562.6146270777 | 61097.2 | 1427867.4 | 37422.040703424 | 8200004.953851732 Prêts au logement | 1614167.5696899984 | 135901.60901 | 927629.359785913 | 422707.679572255 | 134097.27 | 1241733.21 | 1171352.89563291 | 5647589.593691077 Prêts Immobiliers Commerciaux | 1335267.35878 | 10560.49492 | 129038.548819438 | 4253179.989877009 | 195194.47 | 299076.05 | 3558997.34510106 | 9781314.257497506 Crédit totaux | 17769467.519570038 | 512409.17853 | 19353465.240141 | 32917915.704382773 | 40988587.13000002 | 13416070.229999997 | 9535544.562874787 | 0 | 0 | 134493459.56549865 [Secteur d'activitésjuin 26%] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2026 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 | 8.17412903102425e-05 | 8.042593557592015e-07 | 0 | #DIV/0! | 3.031852812232606e-05 200 | Agriculture & Sylviculture | 0.05352287900313025 | 0 | 1.0022208270883631e-07 | 0 | 0 | 0 | 0 | #DIV/0! | 0.008578711527903567 300 | Pêcherie et Aquaculture | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 400 | Industrie alimentaire (sauf boisson) | 0.09282108584196391 | 0 | 0.10927159420740006 | 0.07173213842680277 | 0.09427886152171448 | 0.0785376948641689 | 0.007330974162793805 | #DIV/0! | 0.10024274730600985 410 | Industrie des boissons | 0 | 0 | 0.015723995887124396 | 0.05871995524082753 | 0.03282589238152155 | 0.012793358044310121 | 0 | #DIV/0! | 0.03386452981469467 420 | Industrie du bois | 0 | 0 | 0 | 0.0009963355004985412 | 1.5626788939284906e-05 | 0.0008028997922143407 | 0 | #DIV/0! | 0.00039877100223151827 430 | Industrie chimique | 0 | 0 | 0.001003857799052138 | 0.001034285130559404 | 0.0004106721206713619 | 0.012164047086983685 | 0 | #DIV/0! | 0.002106184674545518 440 | Industrie textile | 1.2447193465781006e-05 | 0 | 5.533892699373754e-05 | 0.0008523679070247837 | 0.002164184135419355 | 0.02657140681947668 | 0 | #DIV/0! | 0.00428036790531799 450 | Industrie pharmaceutique | 0 | 0 | 0.002441783650298674 | 0 | 0.002935778674642986 | 0.0022853324016924147 | 0 | #DIV/0! | 0.0017882233197187981 460 | Imprimerie, Edition | 0.004440829749855633 | 0 | 0.0008422264332380223 | 0.002711631602569525 | 0.00373

0636518770876 | 0.0031122071727556844 | 0 | #DIV/0! | 0.0034198447376918464 470 | Sidérurgie, Aciérie | 0.0013684281745201317 | 0 | 0 | 0.029107663575661132 | 0 | 0.033875594880513685 | 0 | #DIV/0! | 0.012961376797890391 480 | Industrie de la fabrication | 0.0001455727357700019 | 0.001775829470132579 | 0.008561212673849815 | 0.06432466633769494 | 0.0109503281627263 | 0.0017326489502134939 | 0 | #DIV/0! | 0.024883550048330996 490 | Autres Industries | 0 | 0 | 0 | 6.194065773515934e-05 | 0.02953113158452992 | 0.04573496929286723 | 0 | #DIV/0! | 0.016471106993393377 500 | Production et distribution de l'électricité | 0 | 0 | 0 | 0.01343617689902694 | 0 | 0.0016807276358451206 | 0 | #DIV/0! | 0.004192861427416136 600 | Production et distribution de gaz | 0 | 0 | 0 | 0.004758304912335183 | 0.000278634146714488 | 0.0009542145934338928 | 0 | #DIV/0! | 0.0016313249705108203 700 | Production et distribution de l' eau | 1.6759084067770974e-06 | 0 | 0.001607235686944783 | 0.005853215588261583 | 0.0009695923373487597 | 0.001191576201222674 | 0 | #DIV/0! | 0.0025214507740888843 800 | Entrepreneurs en bâtiment et corps de métiers correspondants | 0.014420085448131654 | 0.15594121963083019 | 0.11133969917142598 | 0.06764598586827014 | 0.010376751183226252 | 0.03547469280056088 | 0 | #DIV/0! | 0.05068325368227293 900 | Commerce de gros | 0.12109907275668709 | 0.26920882882257685 | 0.36810953378680444 | 0.32145381935151446 | 0.3755966901511492 | 0.13671510349569782 | 0 | #DIV/0! | 0.3357696643739016 1000 | Commerce de détail | 0.04055927051310083 | 0.04826182745388146 | 0.11108918797485146 | 0.07715672349118761 | 0.18769383305649934 | 0.08630945203392845 | 0 | #DIV/0! | 0.12886431508809734 1100 | Restaurants, débits de boissons, casinos et activités de loterie | 0.0008917053919904629 | 0 | 0.0008412215966230442 | 0 | 0.0010708119765337222 | 0.004201678959159713 | 0 | #DIV/0! | 0.0011941307841091973 1200 | Hôtels, motels et pensions | 0.1361696222655606 | 0.00855187551981652 | 1.352256230358121e-07 | 0.02424872910735753 | 0.008290129125999954 | 0.006637449601365125 | 0.014336310543001244 | #DIV/0! | 0.034166175295501144 1300 | Transport | 0.0027199678294676038 | 0.11380829095860108 | 0.009132818138458818 | 0.011316000260318171 | 0.019642803189249613 | 0.0008088024148633279 | 0 | #DIV/0! | 0.013276392713910585 1400 | Promotion et Développement Immobilier Résidentiel | 0.00932057698507825 | 0 | 0.023527878276026475 | 0.0040988568927538644 | 0.06356068731369319 | 0.09255565741026985 | 0.3732348290791362 | #DIV/0! | 0.07362034797584258 1500 | Promotion et Développement Immobilier Commercial | 0.12049136461978839 | 0 | 0.0639431467416464 | 0 | 0.03314175079252114 | 0.015654923267347867 | 0.10119571850895842 | #DIV/0! | 0.053326389640976295 1600 | Télécommunications | 0.00028289423948487757 | 0 | 0.003010484713599099 | 0 | 0.037364134683214666 | 0.00011813295345279365 | 0 | #DIV/0! | 0.014399356244268394 1700 | Services financiers | 0.009775895637203836 | 0.04527773040006478 | 0.04599817738658518 | 0.014675399402207018 | 0.0013534408937798381 | 0.10268919857912821 | 0 | #DIV/0! | 0.02709055312676486 1710 | Services professionnels | 0.004873284464187215 | 0 | 0.006816144724439767 | 0.0027902576042902047 | 0.0070872437998084235 | 0.033090577373937925 | 0 | #DIV/0! | 0.009424137539376562 1720 | Services médicaux | 0.001655491362788557 | 0 | 0.00032626490841456134 | 0.00021852526704909978 | 0.0019426661316100837 | 0.0009510452599948863 | 0 | #DIV/0! | 0.00122051081212102 1730 | Services d’agence ou de représentation | 0 | 0 | 0.006032778048290558 | 0.0026916423617571006 | 0.0022206276520661317 | 1.505656995953278e-07 | 0 | #DIV/0! | 0.002673359740302598 1740 | Services d'enseignement | 0.0013243745190497094 | 0 | 7.750549999122905e-05 | 0.00013694656835526786 | 0.0031105519591497063 | 4.316465179982888e-06 | 0 | #DIV/0! | 0.0014170126024553762 1750 | Autres services | 0.001741968349130868 | 0.003928327173558134 | 0.001315084753277371 | 0.00169455439691

9169 | 0.05985046574597554 | 0.042073674356428885 | 0.0039021677061101276 | #DIV/0! | 0.02858495415414961 1800 | Administration publique et défense ; sécurité sociale obligatoire | 0.042980543967278094 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0.006888959318025767 1900 | Activités des organisations associatives | 9.014732705050466e-05 | 0 | 5.3643209994596095e-05 | 0 | 0 | 0 | 0 | #DIV/0! | 2.3813310764270176e-05 2000 | Activités des organisations et organismes extraterritoriaux | 0 | 0 | 3.0382155996561786e-05 | 0 | 0 | 0 | 0 | #DIV/0! | 5.303769292949861e-06 Total | 0.6158965246396315 | 0.6428256022559035 | 0.8911514317990329 | 0.7817161223509772 | 0.990393926027476 | 0.7366486631756399 | 0.49609783229388965 | #DIV/0! | 0.9999999999999999 (1) Commerce de gros Import-export | 0.04000561970791126 | 0.00790032354926482 | 0.03212124053768698 | 0.05587285248356761 | 0.08220603431177596 | 0.01481134166662752 | 0 | #DIV/0! | 0.06083117707575821 Produits pétroliers | 0.042243414957330305 | 0 | 0.09300486832274985 | 0.07000829602802827 | 0.020468030706673437 | 0.008804366552574317 | 0 | #DIV/0! | 0.05242624701618655 Produits pharmaceutiques | 0 | 0 | 0 | 0.002334779704028593 | 0.0046555059191180255 | 0.0007140690109520993 | 0 | #DIV/0! | 0.00250087777908902 Produits alimentaires | 0.02628144819115548 | 0.0659047132935439 | 0.1545408666234812 | 0.09842304539217026 | 0.08104243723904124 | 0.08359228751592487 | 0 | #DIV/0! | 0.10079737161531535 Matériaux de construction | 0.008763522026110098 | 0 | 0.07038535733212889 | 0.0027186795592880337 | 0.11962151450717735 | 0.025132545836412192 | 0 | #DIV/0! | 0.06176648688991471 Appareils électroménagers électron.,équipe.inform. | 0.003805067874179948 | 0.19540377927507768 | 0.01805720097075726 | 0.09209616618443231 | 0.06760316746736322 | 0 | 0 | 0 | 0.057447509080326614 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 S-Total | 0.12109907275668708 | 0.2692088161178864 | 0.3681095337868042 | 0.32145381935151507 | 0.3755966901511492 | 0.133054610582491 | - | #DIV/0! | 0.3357696694565905 (2) Commerce de détail Produits pétroliers | 0.0035197976490357647 | 0 | 0.002637052992184674 | 0.0005004696299105764 | 0.007477227234692435 | 0.002508931410088482 | 0 | #DIV/0! | 0.004241179324548882 Produits pharmaceutiques | 0 | 0 | 0.0003100219999649162 | 0.0009974563196034122 | 0.0005368516345832873 | 0.0002549181646613966 | 0 | 0 | 0.0005796169524589643 Véhicules automobiles | 0.010130368273655264 | 0 | 0.00843029183536598 | 0.031122709938449903 | 0.042750930995556845 | 0.008577772628430853 | 0 | #DIV/0! | 0.029180126470143796 Produits alimentaires | 0.009920150381876231 | 0 | 0.07337432182608111 | 0.008121605272048978 | 0.03605916679470575 | 0.012954613163201968 | 0 | #DIV/0! | 0.03170971938816907 Librairie ,papeterie | 0 | 0 | 0 | 0.0020041645322647268 | 0.0016267230628986059 | 0 | 0 | 0 | 0.001196505088605075 Appareils électro- ménagers électroni.équip. inform. | 7.279396518637485e-05 | 0 | 0.00989017324444511 | 0.008900717539024355 | 0.025517808571510026 | 0.052682341988604824 | 0 | #DIV/0! | 0.02019062548316244 Matériaux de construction | 0.0031622438848049198 | 0 | 0.00156294073956654 | 0.0007625008566757047 | 0.01338599323416103 | 0.00023926529490148627 | 0 | 0 | 0.0059840823207195325 Autres | 0.013753915795779214 | 0.07462162231693893 | 0.014884385190240962 | 0.024747099403209936 | 0.06033913152839135 | 0.009092081206256479 | 0 | #DIV/0! | 0.0357825170411275 S-Total | 0.04055926995033777 | 0.07462162231693893 | 0.1110891878278493 | 0.07715672349118759 | 0.1876938330564993 | 0.0863099238561455 | - | #DIV/0! | 0.12886437206893525 INFORMATIONS ADDITIONNELLES Prêts à la consommation | 0.17330751175905554 | 0.06741570283557581 | 0.054250185146871445 | 0.07623698405342681 | 0.0014905905345364357 | 0.10642963069819888 | 0.0039244786133265114 | 0.06096954439526711 Prêts au logement | 0.0908393888512567 | 0.265220871725746 | 0.047930918224500595 | 0.012841265023227903 | 0.0032715758065701333 | 0.09255565815

564461 | 0.12284069230753711 | 0.04199155566327511 Prêts Immobiliers Commerciaux | 0.07514391510659679 | 0.020609496009216615 | 0.006667464829595441 | 0.12920562857236825 | 0.004762166341106569 | 0.022292373614087743 | 0.37323482907913647 | 0.07272706263261806 [Secteur d'activitésjuin 26 glob] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2026 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (900 ; 1000 ) | 2872582.6799999997 | 162674.87819 | 9274155.804734208 | 13121428.248174325 | 23088482.69 | 2992113.1000000006 | 0 | 0 | 0 | 51511437.401098534 Services et Autres ( 1100 à 1200 ; 1700 à 1750;1800 à 2000 ) | 3545062.6700000004 | 29595.69505 | 1190070.4630547755 | 1529236.4928340116 | 3480994.1799999997 | 2544332.11 | 173913.822103424 | 0 | 0 | 12493205.433042211 Industries Manufacturières ( 400 à 490 ) | 1755416.6199999999 | 909.9513199999999 | 2668843.041982099 | 7556010.774501269 | 7248549.3 | 2919473.1799999997 | 69904.83081860401 | 0 | 0 | 22219107.698621973 Prêts aux Ménages* | 6029017.129570039 | 181006.52883999998 | 2106596.981116541 | 7185450.284076341 | 390388.93999999994 | 2968676.6599999997 | 4767772.281437394 | 0 | 0 | 23628908.80504031 Immobilier Résidentiel et Commercial ( 1400 ; 1500 ) | 2306689.08 | 0 | 1692867.442199036 | 134925.82568 | 3963696.3099999996 | 1451760.75 | 4523953.628515364 | 0 | 0 | 14073893.036394399 Transport, Entrepôt et Communication ( 1300 ; 1600 ) | 53359.259999999995 | 58316.41288 | 235014.989647808 | 372499.14267992706 | 2336633.84 | 12435.830000000002 | 0 | 0 | 0 | 3068259.475207735 Bâtiments et Travaux Publics ( 800 ) | 256237.24 | 79905.71225 | 2154808.9977619485 | 2226764.860551585 | 425328.37 | 475930.97000000003 | 0 | 0 | 0 | 5618976.150563533 Électricité, Gaz et Eau ( 500 à 700 ) | 29.78 | 0 | 31105.58 | 791600.075885318 | 51163.04000000001 | 51336.84 | 0 | 0 | 0 | 925235.315885318 Agriculture, Sylviculture et Pêche ( 100;200 ) | 951073.06 | 0 | 1.939644594 | 0 | 3350.4600000000005 | 10.79 | 0 | 0 | 0 | 954436.249644594 Total | 17769467.519570038 | 512409.17853 | 19353465.24014101 | 32917915.704382773 | 40988587.13 | 13416070.23 | 9535544.562874787 | 0 | 0 | 134493459.56549862 Regroupement des Secteurs d'activités Commerce de Gros et Détail (900 ; 1000 ) | 0.1616583432697879 | 0.3174706562764583 | 0.4791987217616557 | 0.3986105428427021 | 0.5632905232076488 | 0.22302455552962624 | 0 | #DIV/0! | #DIV/0! | 0.3830032892864381 Services et Autres ( 1100 à 1200 ; 1700 à 1750;1800 à 2000 ) | 0.19950303328423985 | 0.05775793309343943 | 0.06149133750923586 | 0.04645605470793539 | 0.08492593728492343 | 0.18964809116089426 | 0.018238478249111373 | #DIV/0! | #DIV/0! | 0.09289080281973111 Industries Manufacturières ( 400 à 490 ) | 0.09878836369557545 | 0.001775829470132579 | 0.13790000957795678 | 0.22954098437937376 | 0.17684311188893617 | 0.21761015930519614 | 0.007330974162793805 | #DIV/0! | #DIV/0! | 0.16520586034744103 Prêts aux Ménages* | 0.33929081571690906 | 0.3532460705705384 | 0.10884856820096742 | 0.218283877649023 | 0.00952433268221314 | 0.22127766246793115 | 0.5000000000000001 | #DIV/0! | #DIV/0! | 0.1756881626911603 Immobilier Résidentiel et Commercial ( 1400 ; 1500 ) | 0.12981194160486664 | 0 | 0.08747102501767283 | 0.0040988568927538644 | 0.09670243810621436 | 0.1082105806776177 | 0.47443054758809466 | #DIV/0! | #DIV/0! | 0.10464369852528316 Transport, Entrepôt et Communication ( 1300 ; 1600 ) | 0.003002862068952481 | 0.11380829095860108 | 0.01214330285205791 | 0.011316000260318171 | 0.057006937872464296 | 0.0009269353683161214 | 0 | #DIV/0! | #DIV/0! | 0.022813447472614722 Bâtiments et Travaux Publics ( 800 ) | 0.014420085448131654 | 0.15594121963083019 | 0.11133969917142592 | 0.06764598586827014 | 0.010376751183226255 | 0.03547469280056087 | 0 | #DIV/0! | #DIV/0! | 0.04177880596362442 Électricité, Gaz et

Eau ( 500 à 700 ) | 1.6759084067770974e-06 | 0 | 0.0016072356869447821 | 0.024047697399623705 | 0.001248226484063248 | 0.003826518430501686 | 0 | #DIV/0! | #DIV/0! | 0.006879407510777327 Agriculture, Sylviculture et Pêche ( 100;200 ) | 0.05352287900313025 | 0 | 1.0022208270883625e-07 | 0 | 8.174129031024252e-05 | 8.042593557592013e-07 | 0 | #DIV/0! | #DIV/0! | 0.007096525382929728 Total | 1.0000000000000002 | 1 | 0.9999999999999999 | 1.0000000000000002 | 0.9999999999999998 | 0.9999999999999999 | 1 | #DIV/0! | #DIV/0! | 0.9999999999999998 * | Prêts aux ménages=prêts à la consommation+prêts au logement+prêts immobiliers commerciaux [Secteur d' activitésmars 26] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2026 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 | 3132.68 | 4.71 | 0 | 0 | 3137.39 200 | Agriculture & Sylviculture | 959610.73 | 0 | 0 | 0 | 0 | 2.92 | 0 | 0 | 959613.65 300 | Pêcherie et Aquaculture | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 400 | Industrie alimentaire (sauf boisson) | 1711135.96 | 0 | 1306420.4265616802 | 2361709.11 | 3898220.71 | 1028595.66 | 72461.26636090598 | 0 | 10378543.132922588 410 | Industrie des boissons | 0 | 0 | 327267.314328892 | 2121218.8 | 1414129.9 | 171636.88 | 0 | 0 | 4034252.8943288918 420 | Industrie du bois | 0 | 0 | 0 | 28991.710974573 | 633.87 | 9651.71 | 0 | 0 | 39277.290974573 430 | Industrie chimique | 0 | 0 | 19984.48257 | 104170.36 | 8482.36 | 161802.54 | 0 | 0 | 294439.74257 440 | Industrie textile | 640.1 | 0 | 1071 | 28763.49 | 111125.26 | 281542.66 | 0 | 0 | 423142.51 450 | Industrie pharmaceutique | 0 | 0 | 34230.51 | 0 | 129205.69 | 33596.93 | 0 | 0 | 197033.13 460 | Imprimerie, Edition | 1864.98 | 0 | 16300 | 74501.66 | 95196.17 | 37964.84 | 0 | 0 | 225827.65 470 | Sidérurgie, Aciérie | 24562.85 | 0 | 75351.7 | 988478.01 | 0 | 497164.14 | 0 | 0 | 1585556.7000000002 480 | Industrie de la fabrication | 2681.75 | 909.9513199999999 | 2142 | 2253627.28 | 516284.4 | 24860.799999999996 | 0 | 0 | 2800506.1813199995 490 | Autres Industries | 0 | 0 | 0 | 0 | 1069060.44 | 631752.03 | 0 | 0 | 1700812.47 500 | Production et distribution de l'électricité | 22.5 | 0 | 0 | 357629.96 | 0 | 2277.34 | 0 | 0 | 359929.80000000005 600 | Production et distribution de gaz | 0 | 0 | 0 | 26140.68 | 12102.14 | 13409.17 | 0 | 0 | 51651.99 700 | Production et distribution de l' eau | 255.79 | 0 | 270.60475 | 213869.96 | 22361.97 | 15770.23 | 0 | 0 | 252528.55475 800 | Entrepreneurs en bâtiment et corps de métiers correspondants | 278298.72 | 80013.14869 | 2663293.6038654097 | 2050397.63 | 457048.51 | 479526.39 | 0 | 0 | 6008578.0025554085 900 | Commerce de gros | 2432724.75 | 132694.63648 | 8385238.31091904 | 9646344.166599294 | 15459364.31 | 2249163.36 | 0 | 0 | 38305529.53399833 1000 | Commerce de détail | 794200.49 | 26111.9992 | 2228472.9705149103 | 2682164.8885474997 | 7538856.55 | 1171067.8699999999 | 0 | 0 | 14440874.768262409 1100 | Restaurants, débits de boissons, casinos et activités de loterie | 15504.78 | 0 | 6279.25 | 0 | 54008.67 | 69674.67 | 0 | 0 | 145467.37 1200 | Hôtels, motels et pensions | 2456018.77 | 4382.05951 | 0 | 811412.97 | 403812.25 | 90728.19 | 140992.60775862198 | 0 | 3907346.8472686224 1300 | Transport | 18226.620000000003 | 58809.58871 | 181894.79864326998 | 373

700.47 | 835948.0199999999 | 14530.59 | 0 | 0 | 1483110.0873532698 1400 | Promotion et Développement Immobilier Résidentiel | 199349.53999999998 | 0 | 345116.126115692 | 271907.58 | 2710989.4 | 1246571.72 | 3481990.769197927 | 0 | 8255925.135313619 1500 | Promotion et Développement Immobilier Commercial | 2163786.35 | 0 | 1209952.85140287 | 26140.68 | 1752216.48 | 210370.61 | 1040522.2857022521 | 0 | 6402989.257105122 1600 | Télécommunications | 4716.18 | 0 | 61824.153257041995 | 461297.96 | 1540165.12 | 4279.75 | 0 | 0 | 2072283.1632570422 1700 | Services financiers | 324658.25 | 0 | 881350.2455300001 | 112845.55 | 70540.34 | 1358780.36 | 0 | 0 | 2748174.74553 1710 | Services professionnels | 101153.4 | 0 | 133107.538786525 | 7997.39 | 312324.37 | 634148.1900000001 | 0 | 0 | 1188730.888786525 1720 | Services médicaux | 29602.38 | 0 | 2950.3464599999998 | 89530.07 | 75813.2 | 8300.14 | 0 | 0 | 206196.13646 1730 | Services d’agence ou de représentation | 1495.64 | 0 | 111449.96986702 | 4602.8433457472 | 85444.98 | 340.15 | 0 | 0 | 203333.58321276717 1740 | Services d'enseignement | 26731.12 | 0 | 2850 | 62687.2947274568 | 126501.97 | 94.36 | 0 | 0 | 218864.74472745677 1750 | Autres services | 32544.83 | 1921.1819999999998 | 18623.334092338 | 2441185.9599999995 | 520325.54 | 52613.799342052 | 0 | 3067214.64543439 1800 | Administration publique et défense ; sécurité sociale obligatoire | 824842.08 | 0 | 265 | 0 | 0 | 0 | 0 | 0 | 825107.08 1900 | Activités des organisations associatives | 1519.5 | 0 | 1037.841 | 0 | 0 | 15.93 | 0 | 0 | 2573.2709999999997 2000 | Activités des organisations et organismes extraterritoriaux | 0 | 0 | 588 | 0 | 0 | 0 | 0 | 0 | 588 Total | 12406148.059999999 | 304842.56590999995 | 18017332.37866469 | 25160130.514194567 | 41144155.72 | 10967950.379999997 | 4788580.728361759 | 0 | 0 | 112789140.34713104 (1) Commerce de gros 1. Import-Export | 732372.84 | 4048.1983 | 638559.7669446501 | 1675701.8529073533 | 3854646.3 | 676200 | 0 | 7581528.958152004 2. Produits Pétroliers | 937548.17 | 1904466.9947571398 | 1836359.3243176579 | 579782.72 | 126690 | 0 | 5384847.209074798 3. Produits Pharmaceutiques | 0 | 13070.34 | 82440.837942702 | 194115.22 | 11410 | 0 | 301036.397942702 4. Produits Alimentaires | 541218.7 | 27988.523800000003 | 3936935.9855774296 | 2899916.2903901082 | 3006021.81 | 1097570 | 0 | 11509651.309767539 5. Matériaux de Construction | 155451.13 | 0 | 1492166.0849943198 | 90729.344007072 | 4910774.64 | 294070 | 0 | 6943191.199001391 9. Autres | 66133.91 | 100657.91662 | 400039.13864549797 | 3061196.517948704 | 2914023.62 | 43210 | 0 | 6585261.103214202 0 S-Total | 2432724.75 | 132694.63872000002 | 8385238.310919037 | 9646344.167513598 | 15459364.309999999 | 2249150 | 0 | 0 | 0 | 38305516.17715263 (2) Commerce de détail 1. Produits Pétroliers | 83394.49 | 73068.73461290599 | 35865.930629999995 | 202717.69 | 72030 | 467076.845242906 2. Produits Pharmaceutiques | 0 | 6000 | 34152.138004727996 | 22174.93 | 2630 | 0 | 64957.068004728 3. Véhicules automobiles | 181041.22 | 163282.82298 | 1165692.841722834 | 1659438.67 | 105800 | 0 | 3275255.5547028338 4. Produits Alimentaires | 229137.27 | 11413.72 | 1512070.62637521 | 247880.28705829795 | 1586903.24 | 212560 | 0 | 3799965.143433508 5. Librairie, Papeterie | 0 | 0 | 57554.275151088 | 71302.31 | 0 | 128856.58515108799 6. Appareils électroménagers, électroniques et équipements informatiques | 1293.51 | 198338.560608208 | 322321.56957772194 | 1056024.3800000001 | 705270 | 0 | 2283248.02018593 7. Matériaux de constrution | 54359.7 | 30038.035949999998 | 16395.260845853998 | 562039.73 | 3210 | 0 | 666042.726795854 9. Autres | 244974.3 | 14698.2842 | 246089.84842841802 | 802302.5905555821 | 2378255.6 | 69520 | 0 | 0 | 3755840.623184 S-Total | 794200.49 | 26112.0042 | 2228888.628954742 | 2682164.893546106 | 7538856.550000001 | 1171020 | 0 | 0 | 0 | 14441242.56670085 INFORMATIONS ADDITIONNELLES Prêts à la consommation | 3081278.7056200546 |

33710.482820000005 | 940476.181972787 | 2356789.1428391454 | 714882.02 | 1412106.5 | 30640.385046701995 | 8569883.418298688 Prêts au logement | 1667247.5134399992 | 137803.98570999998 | 995293.554244886 | 426946.9400660299 | 3658199.49 | 1246571.72 | 3481990.76919793 | 11614053.972658845 Prêts Immobiliers Commerciaux | 1344324.59718 | 10799.384629999999 | 140069.11160516 | 3134751.0297423988 | 6864674.62 | 301098.79 | 886894.216836156 | 12682611.749993714 Crédit totaux | 18498998.876240052 | 487156.4190699999 | 20093171.226487525 | 31078617.626842137 | 52381911.85 | 13927727.389999997 | 9188106.099442547 | 0 | 0 | 145655689.4880823 [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 pens

ions | 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 | 83

0621.3572286757 | 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' 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 | 105266

4.14901281 | 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 I

mmobilier 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 to

taux | 20108114.754130058 | 1303003.25291 | 18915941.380739506 | 34824468 | 80557233.96229 | 14030194.110000003 | 5279121.447927062 | 0 | 0 | 175018076.90799662 [Secteur d' activitésmars 25] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 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 | 5905.54873 | 0 | 0 | 0 | 5905.54873 200 | Agriculture & Sylviculture | 0 | 54719.28819 | 0 | 0 | 0 | 0 | 0 | 54719.28819 300 | Pêcherie et Aquaculture | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 400 | Industrie alimentaire (sauf boisson) | 2672548.6500000004 | 755.66 | 1706580.697207152 | 1684371 | 4121087.90733 | 0 | 0 | 0 | 10185343.914537152 410 | Industrie des boissons | 0 | 415263.508915456 | 2487529 | 1569356.40363 | 0 | 0 | 0 | 4472148.912545456 420 | Industrie du bois | 0 | 0 | 29673 | 600.394 | 0 | 0 | 0 | 30273.394 430 | Industrie chimique | 0 | 18164.39427 | 114018 | 78865.74823 | 0 | 0 | 0 | 211048.1425 440 | Industrie textile | 275614.17 | 1071.10557 | 208129 | 31490.53351 | 0 | 0 | 0 | 516304.80908 450 | Industrie pharmaceutique | 0 | 70938.32 | 31493 | 173486.79429 | 0 | 0 | 0 | 275918.11429 460 | Imprimerie, Edition | 72456.1 | 15000 | 139343 | 8200769.23252 | 0 | 0 | 0 | 8427568.33252 470 | Sidérurgie, Aciérie | 23431.66 | 75264.79999999999 | 999061 | 0 | 0 | 0 | 0 | 1097757.46 480 | Industrie de la fabrication | 3836.48 | 909.95 | 101407.59818 | 2631798 | 674264.6853399999 | 0 | 0 | 0 | 3412216.7135199998 490 | Autres Industries | 0 | 0 | 0 | 976755.34771 | 0 | 0 | 0 | 976755.34771 500 | Production et distribution de l'électricité | 1910969.51 | 11208.392380000001 | 540 | 0 | 0 | 0 | 0 | 1922717.90238 600 | Production et distribution de gaz | 0 | 0 | 0 | 100351.13403 | 0 | 0 | 0 | 100351.13403 700 | Production et distribution de l' eau | 13.04 | 37517.10592999999 | 254096 | 52904.912280000004 | 0 | 0 | 0 | 344531.05821 800 | Entrepreneurs en bâtiment et corps de métiers correspondants | 404536.4 | 82152.27 | 1630711.5529930128 | 3835460 | 555014.53732 | 0 | 0 | 0 | 6507874.760313013 900 | Commerce de gros | 1983621.7000000002 | 349217.37 | 8003812.690014064 | 9258724 | 12973067.415800001 | 0 | 0 | 0 | 32568443.175814066 1000 | Commerce de détail | 842608.6000000001 | 476207.42 | 1542777.1382296958 | 2168700 | 9929774.29605 | 0 | 0 | 0 | 14960067.454279695 1100 | Restaurants, débits de boissons, casinos et activités de loterie | 15516.090000000002 | 4432 | 1682 | 40296.61509000001 | 0 | 0 | 0 | 61926.70509000001 1200 | Hôtels, motels et pensions | 2530883.03 | 0 | 450472 | 629093.7637100001 | 0 | 0 | 0 | 3610448.79371 1300 | Transport | 22705.71 | 132166.6 | 216814.78652807997 | 207928 | 955801.78187 | 0 | 0 | 0 | 1535416.87839808 1400 | Promotion et Développement Immobilier Résidentiel | 211767.85 | 271747.33740982396 | 286025 | 2393740.94676 | 0 | 0 | 0 | 3163281.1341698244 1500 | Promotion et Développement Immobilier Commercial | 2141176.17 | 123804.894689504 | 4312356 | 2375550.7958400003 | 0 | 0 | 0 | 8952887.860529505 1600 | Télécommunications | 5477.21 | 73439.17100593599 | 1012 | 11840.91627 | 0 | 0 | 0 | 91769.297275936 1700 | Services financiers | 199616.02 | 801153.15555 | 866227 | 66532.5591 | 0 | 0 | 0 | 1933528.73465 1710 | Services professionnels | 52099.75 | 85447.278900672 | 88336 | 695348.74491 | 0 | 0 | 0 | 921

231.773810672 1720 | Services médicaux | 33657.91 | 2550 | 10189 | 93769.56023999999 | 0 | 0 | 0 | 140166.47024 1730 | Services d’agence ou de représentation | 553.22 | 775.39 | 46349.29076 | 32015 | 58900.591109999994 | 0 | 0 | 0 | 138593.49187 1740 | Services d'enseignement | 28235.92 | 2800 | 12341 | 167416.70455 | 0 | 0 | 0 | 210793.62455 1750 | Autres services | 29733.28 | 8298.730000000001 | 71862.8 | 551004 | 2769381.9865300003 | 0 | 0 | 0 | 3430280.7965300004 1800 | Administration publique et défense ; sécurité sociale obligatoire | 15057.64 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 15057.64 1900 | Activités des organisations associatives | 360.67 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 360.67 2000 | Activités des organisations et organismes extraterritoriaux | 0 | 0 | 1838 | 0 | 0 | 0 | 0 | 0 | 1838 Total | 13476476.780000001 | 1050483.39 | 15386675.306723397 | 30662522 | 49701369.856750004 | 0 | 0 | 0 | 0 | 110277527.33347337 (1) Commerce de gros 1. Import-Export | 761409.17 | 0 | 944753.3064163518 | 1905729 | 2483532.7971 | 0 | 0 | 6095424.273516351 2. Produits Pétroliers | 390997.34 | 0 | 1586591.9084378718 | 1290133 | 683913.78668 | 0 | 0 | 3951636.035117872 3. Produits Pharmaceutiques | 0 | 0 | 26105.919999999995 | 119686 | 113487.35445 | 0 | 0 | 259279.27444999997 4. Produits Alimentaires | 701934.06 | 0 | 3504321.466901246 | 2647197 | 2000315.9699400002 | 0 | 0 | 8853768.496841246 5. Matériaux de Construction | 59905.28 | 0 | 1622398.1216241599 | 137338 | 5686516.496910001 | 0 | 0 | 7506157.898534161 9. Autres | 69375.86 | 0 | 319641.966633296 | 3158641 | 1299311.41 | 0 | 0 | 4846970.236633296 S-Total | 1983621.7100000002 | 0 | 8003812.690012925 | 9258724 | 12267077.815080002 | 0 | 0 | 0 | 0 | 31513236.215092927 0 (2) Commerce de détail 1. Produits Pétroliers | 112816.5 | 0 | 50606.017069744 | 31610 | 106405.24954 | 0 | 301437.766609744 2. Produits Pharmaceutiques | 0 | 0 | 6910.35 | 339 | 19203.298179999998 | 0 | 0 | 26452.648179999997 3. Véhicules automobiles | 184556.41 | 0 | 159462.34 | 640347 | 1969429.13297 | 0 | 0 | 2953794.8829699997 4. Produits Alimentaires | 234771.3 | 0 | 845824.326539648 | 298928 | 2044414.3772699998 | 0 | 0 | 3423938.0038096476 5. Librairie, Papeterie | 0 | 0 | 58863 | 67756.74502 | 0 | 0 | 126619.74502 6. Appareils électroménagers, électroniques et équipements informatiques | 6425.21 | 0 | 151492.48850719997 | 247224 | 1926779.0761700002 | 0 | 0 | 2331920.7746772002 7. Matériaux de constrution | 54309.02 | 0 | 47266.17995 | 111255 | 1403864.36025 | 0 | 0 | 1616694.5602 9. Autres | 249730.15 | 0 | 281215.436163104 | 780134 | 2234266.16398 | 0 | 0 | 0 | 3545345.7501431042 S-Total | 842608.59 | 0 | 1542777.138229696 | 2168700 | 9772118.403380001 | 0 | 0 | 0 | 0 | 14326204.131609697 INFORMATIONS ADDITIONNELLES Prêts à la consommation | 3301648.8287300584 | 39359.89999999999 | 813119.3857400002 | 2250132 | 1473367.59696 | 0 | 0 | 7877627.711430059 Prêts au logement | 1777159.05002 | 180761.0393 | 1191742.2418576637 | 292836 | 2633080.01287 | 0 | 0 | 6075578.344047664 Prêts Immobiliers Commerciaux | 1749448.67538 | 31300.743420000003 | 1355140.819879456 | 4777185 | 39801674.74448 | 0 | 0 | 47714749.98315945 Crédit totaux | 20304733.334130056 | 1301905.0727199998 | 18746677.754200518 | 37982675 | 93609492.21106 | 0 | 0 | 0 | 0 | 171945483.37211055 [Secteur d' activitésdéc. 24] CIRCULAIRE 83-5 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 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 | 0 | 0 | 0 | 5905.54873 | 0 | 0 | 5905.54873 200 | Agriculture & Sylviculture | 0 | 0 | 0 | 0 | 0 300 | Pêcherie et Aquaculture | 0 | 0 | 0 400 | Industrie alimentaire (sauf boisson) | 2687098.38 | 755.66 | 1380050.51356805 | 1296078.820359 | 4121087.90733 | 914910.17 | 0 | 0 | 10399981.45125705 410 | Industrie des boissons | 0 | 0 | 92724.38071778201 | 2514430.76466862 | 1569356.40363 | 301107.26 | 0 | 0 | 4477618.809016402 420 | Industrie du bois | 0 | 0 | 0 | 31117.318894665 | 600.394 | 9422.59 | 0 | 0 | 41140.302894665 430 | Industrie chimique | 0 | 0 | 5637.914269999999 | 176316.48222397102 | 78865.74823 | 127253.58 | 0 | 0 | 388073.72472397104 440 | Industrie textile | 275608.15 | 0 | 35404.8012542 | 203473.70807451 | 31490.53351 | 427932.75 | 0 | 0 | 973909.94283871 450 | Industrie pharmaceutique | 0 | 0 | 46524.39 | 36259.59411 | 173486.79429 | 77242.74 | 0 | 0 | 333513.5184 460 | Imprimerie, Edition | 10329.39 | 0 | 15000 | 86314.499726409 | 8200769.23252 | 55325.13 | 0 | 0 | 8367738.252246409 470 | Sidérurgie, Aciérie | 25078.74 | 0 | 162043.104021344 | 1015671.93209647 | 0 | 1126126.05 | 0 | 0 | 2328919.826117814 480 | Industrie de la fabrication | 4396.47 | 909.95 | 223415.82621774 | 2720706.21115883 | 674264.6853400001 | 209941.84 | 0 | 0 | 3833634.9827165706 490 | Autres Industries | 0 | 0 | 19549.695 | 3782.12896 | 976755.34771 | 276154.84 | 0 | 0 | 1276242.01167 500 | Production et distribution de l'électricité | 1908076.79 | 0 | 0 | 0 | 0 | 11139.56 | 0 | 0 | 1919216.35 600 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 100351.13403 | 4866.14 | 0 | 0 | 105217.27403 700 | Production et distribution de l' eau | 4.95 | 0 | 281814.72508 | 228894.08104818402 | 52904.912280000004 | 29335.84 | 0 | 0 | 592954.508408184 800 | Entrepreneurs en bâtiment et corps de métiers correspondants | 434793.57 | 82030.88 | 2592009.72674395 | 4280458.2545156 | 555014.53732 | 1157989.71 | 0 | 0 | 9102296.67857955 900 | Commerce de gros | 2344891.33 | 355998.65 | 5716867.50061147 | 9859419.17060132 | 12973067.4158 | 3986640.22 | 0 | 0 | 35236884.287012786 1000 | Commerce de détail | 823755.18 | 475661.45 | 2454592.75508396 | 2464825.3546672603 | 9929774.29605 | 3224369.86 | 0 | 0 | 19372978.89580122 1100 | Restaurants, débits de boissons, casinos et activités de loterie | 15829.24 | 0 | 4432 | 3478.66565 | 40296.61509000001 | 119274.14 | 0 | 0 | 183310.66074000002 1200 | Hôtels, motels et pensions | 2548168.37 | 0 | 0 | 467695.825367853 | 629093.7637100001 | 202906.76 | 0 | 0 | 3847864.7190778535 1300 | Transport | 23404.55 | 133151.11 | 211836.46873634 | 280176.041708848 | 955801.78187 | 21553.83 | 0 | 0 | 1625923.782315188 1400 | Promotion et Développement Immobilier Résidentiel | 211349.08 | 0 | 1208185.58571906 | 306800.122297189 | 2393740.94676 | 1331297.83 | 0 | 0 | 5451373.564776249 1500 | Promotion et Développement Immobilier Commercial | 2145676.35 | 0 | 966164.467689971 | 4738196.005555971 | 2375550.7958400003 | 261239.29 | 0 | 0 | 10486826.90908594 1600 | Télécommunications | 4734.73 | 0 | 70840.999919119 | 31587.207899999998 | 11840.91627 | 15806.82 | 0 | 0 | 134810.67408911898 1700 | Services financiers | 136817.86 | 0 | 872621.681298434 | 1634724.00192842 | 66532.5591 | 945774.72 | 0 | 0 | 3656470.822326854 1710 | Services professionnels | 50276.87 | 0 | 74028.75483620701 | 67442.28817245101 | 695348.74491 | 590124.84 | 0 | 0 | 1477221.497918658 1720 | Services médicaux | 35022.8 | 0 | 5004.9695 | 11033.99692 | 93769.56023999999 | 15503.99 | 0 | 0 | 160335.31665999998 1730 | Services d’agence ou de représentation | 290.82 | 775.39 | 17641.834151168 | 26001.797863003998 | 58900.59111 | 347.21 | 0 | 0 | 103957.64312417201 1740 | Services d'enseignement | 37023.051490000005 | 0 | 2650.00387 | 10636.11743 | 167416.70455000002 | 10

35.71 | 0 | 0 | 218761.58734000003 1750 | Autres services | 30413.29 | 8290.58 | 1813765.16822361 | 576330.709959921 | 2769381.9865300003 | 145263.5 | 0 | 0 | 5343445.234713531 1800 | Administration publique et défense ; sécurité sociale obligatoire | 17087.28 | 29.40770033 | 958.67124 | 0 | 289.98494 | 0 | 0 | 18365.343880329998 1900 | Activités des organisations associatives | 127.72 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 127.72 2000 | Activités des organisations et organismes extraterritoriaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 13770254.961490002 | 1057603.0777003302 | 18273765.9377524 | 33071851.101858493 | 49701369.85675 | 15590176.904940002 | 0 | 0 | 0 | 131465021.84049124 (1) Commerce de gros 1. Import-Export | 760791.91 | 0 | 941996.0642384159 | 1903361.45476791 | 2483532.7971 | 562690 | 0 | 6652372.226106326 2. Produits Pétroliers | 558736.77978 | 0 | 1548347.4511329 | 1337365.68156269 | 690066.39268 | 337810 | 0 | 4472326.30515559 3. Produits Pharmaceutiques | 0 | 0 | 26066.26 | 120398.483324986 | 113487.35445 | 10 | 0 | 259962.097774986 4. Produits Alimentaires | 629785.33846 | 0 | 1617690.24477621 | 3173165.8590198103 | 2019997.80808 | 2267710 | 0 | 9708349.250336021 5. Matériaux de Construction | 66539.878374319 | 0 | 1207887.4726991998 | 124869.20681042799 | 5693829.071090002 | 785360 | 0 | 7878485.628973949 9. Autres | 329037.42 | 0 | 374880.002764744 | 3200258.4851155 | 1308785.0692800002 | 32049.999999999996 | 0 | 5245010.977160244 S-Total | 2344891.3266143193 | 0 | 5716867.495611469 | 9859419.170601323 | 12309698.492680002 | 3985630 | 0 | 0 | 0 | 34216506.485507116 0 (2) Commerce de détail 1. Produits Pétroliers | 115042.72 | 0 | 27026.08952 | 145810.2212473 | 106405.24954 | 177490 | 571774.2803073 2. Produits Pharmaceutiques | 0 | 0 | 70168.305 | 475.82969 | 19560.03995 | 2830 | 0 | 93034.17463999998 3. Véhicules automobiles | 182441.46264 | 0 | 158212.66 | 767143.317417737 | 1969429.13297 | 1110420 | 0 | 4187646.573027737 4. Produits Alimentaires | 218439.04 | 0 | 1604012.39057269 | 311346.861962159 | 2052310.7705299999 | 392320 | 0 | 4578429.063064849 5. Librairie, Papeterie | 0 | 0 | 0 | 63787.081100754 | 113608.92777000001 | 0 | 177396.008870754 6. Appareils électroménagers, électroniques et équipements informatiques | 3259.13 | 0 | 45615.955 | 253484.807206395 | 1932896.6027700002 | 1246570 | 0 | 3481826.4949763953 7. Matériaux de constrution | 54463.83 | 0 | 6843.1878 | 130984.509607779 | 1406546.54128 | 11250 | 0 | 1610088.068687779 9. Autres | 250108.99 | 0 | 542714.167191278 | 791792.726435132 | 2273245.6029350003 | 283500 | 0 | 0 | 4141361.48656141 S-Total | 823755.17264 | 0 | 2454592.755083968 | 2464825.354667256 | 9874002.867745 | 3224380 | 0 | 0 | 0 | 18841556.150136225 INFORMATIONS ADDITIONNELLES Prêts à la consommation | 3626047.4224100993 | 30643.63 | 871597.75368 | 2354478 | 1473367.59696 | 3017306.83 | 0 | 11373441.233050099 Prêts au logement | 1841001.5409000004 | 183449.01 | 1211244.82291924 | 307709 | 2633080.01287 | 1331297.83 | 0 | 7507782.21668924 Prêts Immobiliers Commerciaux | 1707349.31374 | 33732.57 | 989026.078736974 | 4996095 | 39801674.74448 | 261239.29 | 0 | 47789116.996956974 Crédit totaux | 20944653.2385401 | 1305428.2877003301 | 21345634.593088612 | 40730133.1018585 | 93609492.21105999 | 20200020.854939997 | 0 | 0 | 0 | 198135362.28718755 [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 déta

il" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 755.6581600000001 | 0 | 0 | 0 | 20.24 | 0 | 0 | 0 | 775.8981600000001 200 | Industrie alimentaire | 2547543.41 | 0 | 698194.191925445 | 1376954.7901214568 | 4238001.51526 | 895660.77 | 8704.69595 | 0 | 0 | 9765059.373256901 210 | Industrie des boissons | 0 | 0 | 90933.94656735299 | 2625298.385489919 | 1621223.63924 | 258135.45 | 0 | 0 | 0 | 4595591.421297272 220 | Industrie du bois | 0 | 0 | 0 | 31291.920291735 | 0 | 9599.61 | 0 | 0 | 0 | 40891.530291735005 230 | Industrie chimique | 0 | 0 | 7148.11066 | 126307.14265212699 | 81890.04088 | 122707.23 | 0 | 0 | 0 | 338052.524192127 240 | Industrie du textile | 275392.99 | 0 | 48323.15113416999 | 767427.7181562148 | 31228.88471 | 281108.18 | 0 | 0 | 0 | 1403480.9240003845 250 | Industrie pharmacie | 0 | 0 | 10542.108079086 | 40822.710490000005 | 174967.99423 | 40122.23 | 0 | 0 | 0 | 266455.042799086 260 | Imprimerie, édition | 32307.63 | 0 | 3094.43735 | 24259.691697810995 | 141477.44654 | 106094.9 | 0 | 0 | 0 | 307234.105587811 270 | Sidérurgie, aciérie | 24778.22 | 0 | 176410.424379284 | 910147.26637996 | 0 | 636837.25 | 0 | 0 | 0 | 1748173.160759244 280 | Industrie de la fabrication | 923.98 | 926.2344 | 221700.07875282498 | 2734161.901290378 | 670233.25794 | 279692.5 | 0 | 0 | 0 | 3907637.952383203 290 | Autres industries | 0 | 0 | 21615.699020269 | 4819.92298 | 914964.74291 | 264724.78 | 0 | 0 | 0 | 1206125.144910269 300 | Production et distribution de l'électricité | 1924833.12 | 0 | 11208.392380000001 | 0 | 0 | 6219.54 | 0 | 0 | 0 | 1942261.0523800002 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 85796.0713 | 2674.59 | 0 | 0 | 0 | 88470.66129999999 500 | Traitement et distribution de l'eau | 0 | 0 | 291650.42595058697 | 206932.98376267 | 7619.62918 | 15383.91 | 0 | 0 | 0 | 521586.94889325695 600 | Entrep/ batiment et corps/ métiers corresp. | 470854.22 | 82732.06370999999 | 1866369.407532548 | 4338709.776323243 | 518425.52525 | 684346.09 | 0 | 0 | 0 | 7961437.0828157915 700 | Commerce de gros(1) | 2064053.8 | 351861.47785 | 4672280.886809318 | 10000875.92329127 | 9648958.94362 | 2002193.86 | 0 | 0 | 0 | 28740224.891570587 800 | Commerce de détail(2) | 1132593.44 | 478890.9487 | 1832474.112853837 | 2965136.102782747 | 8580211.71672 | 1590850.23 | 0 | 0 | 0 | 16580156.551056584 900 | Rest/débits/boissons, casinos/activités/loterie | 13582.71 | 0 | 3652.80751 | 3464.26167 | 686.32688 | 60728.37 | 0 | 0 | 0 | 82114.47606 1000 | Hotels,motels et pensions | 2572927.35 | 0 | 1175.768757166 | 473952.67622662697 | 655752.78751 | 102596.67 | 143632.64672 | 0 | 0 | 3950037.899213793 1100 | Transport | 237830.78 | 133518.58422 | 224074.63977344896 | 306009.12726577104 | 776917.40816 | 30333.04 | 0 | 0 | 0 | 1708683.5794192199 1200 | Immobilier résidentiel / Avance Hypothécaire | 2067660.52 | 186013.10084 | 1240939.9600674452 | 323820.13321738906 | 2387823.61135 | 1366029.42 | 4021743.4469219605 | 0 | 0 | 11594030.192396794 1300 | Immobilier commercial | 3156566.37 | 36197.04762 | 1052788.6429029612 | 5135694.188798432 | 2491886.47433 | 272005.26 | 1032993.562994019 | 0 | 0 | 13178131.546645412 1400 | Télécommunications | 634.37 | 0 | 70703.93128648699 | 63042.4387908 | 9046.60634 | 16661.78 | 0 | 0 | 0 | 160089.12641728699 1500 | Services financiers | 23813.31 | 0 | 248807.776907883 | 732053.7741615641 | 51999.8089 | 2073424.54 | 0 | 0 | 0 | 3130099.209969447 1510 | Services professionnels | 146351.96 | 0 | 69217.858276038 | 75858.611921848 | 678245.05234 | 487360.04 | 0 | 0 | 0 | 1457033.522537886 1520 | Services médicaux | 36334.77 | 0 | 2989.909102363 | 11607.29839 | 57840.21347 | 24569.71 | 0 | 0 | 0 | 133341.900962363 1530 | Services d'agence ou de représentation | 3676.41 | 775.39098 | 18512.243289509 | 30717.439197476997 | 42476.68845 | 1105.23 | 0 | 0 |

0 | 97263.401916986 1540 | Services d'enseignement | 493753.25 | 0 | 990.71236 | 19431.287577292 | 71550.70732 | 1306.34 | 0 | 0 | 0 | 587032.297257292 1550 | Autres services | 27100.18 | 10088.62613 | 773929.795625425 | 628748.334988703 | 2685194.74112 | 145329.73 | 0 | 0 | 0 | 4270391.407864128 1560 | Crédit à la consommation | 3719112.15 | 29407.70033 | 538376.6062350129 | 2417112.3272686545 | 1354169.98064 | 289984.94 | 41256.774028869 | 0 | 0 | 8389420.478502536 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 20972624.939999998 | 1311166.8329399999 | 14198106.025488462 | 36374658.13518409 | 37978589.81459 | 12067806.429999998 | 5248331.126614849 | 0 | 0 | 128151283.3048174 1000 (1) Commerce de gros Import-export | 751607.28 | 11582.652320000001 | 538775.3840170109 | 2053632.8525694897 | 1203475.9663399998 | 241105 | 0 | 4800179.1352465 Produits pétroliers | 262592.49 | 0 | 1332180.583931168 | 1398080.357727885 | 449670.55669 | 177887 | 0 | 3620410.988349053 Produits pharmaceutiques | 0 | 0 | 36877.595871823 | 101733.910131873 | 102579.22229 | 177887 | 0 | 419077.728293696 Produits alimentaires | 244755.4 | 16391.00714 | 1360057.6805305018 | 3030392.6875945684 | 1283932.77575 | 1137128 | 0 | 7072657.55101507 Matériaux de construction | 136221.56 | 207373.35921 | 1173667.8330443997 | 226484.58606151797 | 5344455.56987 | 430251 | 0 | 7518453.908185918 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 668877.0599999999 | 116514.45918 | 230721.809414415 | 3190551.529205935 | 1264844.85268 | 10984 | 0 | 0 | 5482493.710480349 S-Total | 2064053.79 | 351861.47785 | 4672280.886809318 | 10000875.92329127 | 9648958.94362 | 2175242 | 0 | 0 | 0 | 28913273.021570586 0 (2) Commerce de détail Produits pétroliers | 105909.32 | 0 | 36974.327054333 | 105820.19115389501 | 100564.49191 | 69649 | 418917.330118228 Produits pharmaceutiques | 0 | 0 | 0 | 79.2139 | 8322.79329 | 2865 | 0 | 11267.00719 Véhicules automobiles | 182798.15 | 0 | 79250.93797 | 861045.0515021209 | 1917594.96953 | 559575 | 0 | 3600264.109002121 Produits alimentaires | 132059.09 | 0 | 1192270.1012561887 | 619012.976191056 | 2182972.39715 | 204310 | 0 | 4330624.564597245 Librairie ,papeterie | 0 | 0 | 0 | 71231.768270814 | 114539.7031 | 1 | 0 | 185772.47137081402 Appareils électro- ménagers électroni.équip. inform. | 4497.56 | 0 | 39288.200130051 | 254322.30997069503 | 1802677.96679 | 616730 | 0 | 2717516.036890746 Matériaux de construction | 54601.42 | 0 | 5878.9315799999995 | 119377.937148684 | 1105451.6569700001 | 6004 | 0 | 1291313.945698684 Autres | 652727.8999999999 | 478890.9487 | 478811.61486326397 | 934246.6546454806 | 1371413.2571 | 131717 | 0 | 0 | 4047807.3753087446 S-Total | 1132593.44 | 478890.9487 | 1832474.1128538367 | 2965136.1027827454 | 8603537.23584 | 1590851 | 0 | 0 | 0 | 16603482.840176584 [Secteur d' activitésjuin. 24] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2024 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 755.6581600000001 | 0 | 4377.20254 | 0 | 49.629999999999995 | 0 | 0 | 0 | 5

182.4907 200 | Industrie alimentaire | 2783141.26 | 0 | 1043477.4976556209 | 1478595.005902099 | 4118552.90554 | 1020464.4 | 9471.23797 | 0 | 0 | 10453702.30706772 210 | Industrie des boissons | 0 | 0 | 97705.543917644 | 2622525.334974068 | 1768088.15334 | 182203.8 | 0 | 0 | 0 | 4670522.832231712 220 | Industrie du bois | 0 | 0 | 0 | 44100 | 0 | 3714.4 | 0 | 0 | 0 | 47814.4 230 | Industrie chimique | 0 | 0 | 6350.40373 | 192863.25819199398 | 118874.96844 | 144471.74 | 0 | 0 | 0 | 462560.37036199396 240 | Industrie du textile | 269343.48 | 0 | 55222.332749726986 | 950098.033182152 | 32665.799 | 269832.67 | 0 | 0 | 0 | 1577162.3149318788 250 | Industrie pharmacie | 0 | 0 | 40260.41378 | 0 | 178736.56828 | 21721.95 | 0 | 0 | 0 | 240718.93206000002 260 | Imprimerie, édition | 89758.06 | 0 | 0 | 137017.390675246 | 217948.53352 | 96705.3 | 0 | 0 | 0 | 541429.2841952461 270 | Sidérurgie, aciérie | 25043.94 | 0 | 189031.264507775 | 1018559.699548365 | 0 | 646078.9 | 0 | 0 | 0 | 1878713.8040561401 280 | Industrie de la fabrication | 996.49 | 952.45541 | 228746.48884394497 | 2622069.752831511 | 664898.6978099999 | 272446.36 | 0 | 0 | 0 | 3790110.244895456 290 | Autres industries | 0 | 0 | 41011.854839982996 | 0 | 929074.7558500001 | 271448.43 | 0 | 0 | 0 | 1241535.0406899832 300 | Production et distribution de l'électricité | 1933318.52 | 0 | 11208.392380000001 | 0 | 0 | 6821.49 | 0 | 0 | 0 | 1951348.40238 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 110939.2696 | 2902.18 | 0 | 0 | 0 | 113841.44959999999 500 | Traitement et distribution de l'eau | 0 | 0 | 319449.699421833 | 224002.80582689703 | 6719.70982 | 15326.29 | 0 | 0 | 0 | 565498.5050687301 600 | Entrep/ batiment et corps/ métiers corresp. | 502917.12 | 83285.22348999999 | 1797510.762831268 | 4427612.394981552 | 602088.96522 | 717209.12 | 0 | 0 | 0 | 8130623.5865228195 700 | Commerce de gros(1) | 2657749.3200000003 | 353368.67819999997 | 4448531.062721452 | 10486882.606467066 | 11162703.673630001 | 2001093.63 | 0 | 0 | 0 | 31110328.97101852 800 | Commerce de détail(2) | 1023341.23 | 480487.0867 | 1404071.7634836428 | 3473139.900110926 | 7498710.410499999 | 1630791.23 | 0 | 0 | 0 | 15510541.620794568 900 | Rest/débits/boissons, casinos/activités/loterie | 14004.98 | 0 | 3607.16714 | 2759.02809 | 416.89955 | 62673.19 | 0 | 0 | 0 | 83461.26478 1000 | Hotels,motels et pensions | 2509778.86 | 0 | 327.10442 | 476205.3753207459 | 829161.14829 | 113848.61 | 144352.74799 | 0 | 0 | 4073673.846020746 1100 | Transport | 240050.53 | 133886.55104000002 | 236748.95759722195 | 308317.512148705 | 796651.86179 | 36502.49 | 0 | 0 | 0 | 1752157.902575927 1200 | Immobilier résidentiel / Avance Hypothécaire | 2134308.58 | 188864.6407 | 1257605.4853838906 | 360481.6764211669 | 2457197.87561 | 1393009.84 | 3905602.4644150315 | 0 | 0 | 11697070.56253009 1300 | Immobilier commercial | 3168717.02 | 37897.08719 | 1115273.72900469 | 5647457.844726887 | 2632936.5441300003 | 238618.88 | 1049800.2564193099 | 0 | 0 | 13890701.36147089 1400 | Télécommunications | 241.96 | 0 | 72744.299495853 | 33234.859011199995 | 11808.092600000002 | 18188.35 | 0 | 0 | 0 | 136217.561107053 1500 | Services financiers | 66387.44 | 0 | 282556.637927118 | 1127845.2122736152 | 46665.4907 | 1960077.37 | 0 | 0 | 0 | 3483532.150900733 1510 | Services professionnels | 272071.85 | 0 | 76221.33073963801 | 75550.13752443402 | 590206.7119199999 | 554754.94 | 0 | 0 | 0 | 1568804.970184072 1520 | Services médicaux | 37596.14 | 0 | 2841.035017493 | 12318.58157 | 78762.47399 | 32887.17 | 0 | 0 | 0 | 164405.400577493 1530 | Services d'agence ou de représentation | 194.24 | 775.39098 | 17736.896981287 | 42318.226966285 | 44302.70903 | 1837.7 | 0 | 0 | 0 | 107165.163957572 1540 | Services d'enseignement | 495745.11 | 0 | 2995.8983900000003 | 24689.184562436 | 75522.76591 | 1160.92 | 0 | 0 | 0 | 600113.878862436 1550 | Autres services | 27098.94 | 18173.93015 | 580589.757020626 | 656592.7073671209 | 2765612.98271 | 153983.44 | 0 | 0 |

0 | 4202051.757247747 1560 | Crédit à la consommation | 3851199.9200000004 | 30938.08483 | 559623.2179128384 | 2428025.0421339353 | 1140586.63099 | 344063.6 | 34479.03714314599 | 0 | 0 | 8388915.53300992 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 22103004.990000006 | 1329384.7868499998 | 13891448.99789355 | 38877638.773348406 | 38879834.597770005 | 12214888.020000001 | 5143705.743937488 | 0 | 0 | 132439905.90979943 1000 (1) Commerce de gros Import-export | 776538.71 | 11582.652320000001 | 785352.3736056699 | 2151407.4060448143 | 1441523.35148 | 240362 | 0 | 5406766.493450484 Produits pétroliers | 489149.77 | 0 | 1551991.3466546498 | 1469867.098219291 | 514655.53794999997 | 156004 | 0 | 4181667.7528239405 Produits pharmaceutiques | 0 | 0 | 14385.385328998998 | 102672.710180916 | 109786.74086 | 22290 | 0 | 249134.836369915 Produits alimentaires | 395915.18 | 16616.35914 | 727604.7708444599 | 3324177.6751765595 | 1566327.86909 | 1160913 | 0 | 7191554.85425102 Matériaux de construction | 147705.52 | 208243.51001 | 1149322.188046369 | 324602.636962211 | 5584906.70967 | 409113 | 0 | 7823893.56468858 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 15 | 0 | 15 Autres | 848440.14 | 116926.15673 | 219874.99824130398 | 3114155.0798832737 | 2002108.63029 | 12395 | 0 | 0 | 6313900.0051445775 S-Total | 2657749.32 | 353368.6782 | 4448531.062721452 | 10486882.606467064 | 11219308.83934 | 2001092 | 0 | 0 | 0 | 31166932.50672852 0 (2) Commerce de détail Produits pétroliers | 108427.87 | 0 | 40363.477674605994 | 78140.498154244 | 149192.91064000002 | 100741 | 476865.75646885 Produits pharmaceutiques | 0 | 0 | 0 | 225.37882000000002 | 9090.85077 | 209 | 0 | 9525.229589999999 Véhicules automobiles | 21836.05 | 0 | 81577.68952 | 1083201.3419591899 | 1752991.99868 | 568292 | 0 | 3507899.08015919 Produits alimentaires | 132413.66 | 0 | 755507.2348267531 | 767930.1223647721 | 1448185.45322 | 209082 | 0 | 3313118.470411525 Librairie ,papeterie | 48.92 | 0 | 0 | 42736.652966354995 | 135891.24201 | 0 | 0 | 178676.81497635497 Appareils électro- ménagers électroni.équip. inform. | 4656.09 | 0 | 67999.56568017999 | 261611.84780752595 | 1648775.10489 | 604720 | 0 | 2587762.6083777063 Matériaux de construction | 71478.89 | 0 | 6847.605376674999 | 98234.43292247399 | 936484.92799 | 6310 | 0 | 1119355.856289149 Autres | 684479.74 | 480487.0867 | 451776.190405429 | 1141059.6251163671 | 1423956.7061 | 141452 | 0 | 0 | 4323211.348321796 S-Total | 1023341.22 | 480487.0867 | 1404071.763483643 | 3473139.9001109283 | 7504569.194300001 | 1630806 | 0 | 0 | 0 | 15516415.164594572 [Secteur d' activitésept. 23 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2022 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 1003.47878 | 0 | 3.43 | 0 | 0 | 0 | 1006.90878 200 | Industrie alimentaire | 2368101.9 | 755.6581600000001 | 1184511.5097257271 | 1264281.3871601762 | 4819730.06699 | 1031362.66 | 11362.46252 | 24166.66675 | 0 | 10704272.311305905 210 | Industrie des boissons | 382558.55 | 0 | 132242.789283526 | 2990733.9

01931656 | 2268406.41094 | 110020.66 | 0 | 0 | 0 | 5883962.312155182 220 | Industrie du bois | 0 | 0 | 0 | 78000 | 0 | 6985.22 | 0 | 0 | 0 | 84985.22 230 | Industrie chimique | 71.13 | 0 | 8740.28461 | 276964.467469617 | 194880.08638999998 | 113055.5 | 0 | 24166.66675 | 0 | 617878.1352196169 240 | Industrie du textile | 253872.85 | 0 | 89887.95654461501 | 963562.6153608161 | 0.075 | 434919.24 | 0 | 0 | 0 | 1742242.7369054311 250 | Industrie pharmacie | 0 | 0 | 41889.97979000001 | 0 | 255780.41257 | 41785.24 | 0 | 0 | 0 | 339455.63236 260 | Imprimerie, édition | 8908.02 | 0 | 0 | 45136.15185023101 | 148205.83041999998 | 42706.16 | 0 | 0 | 0 | 244956.162270231 270 | Sidérurgie, aciérie | 9487.71 | 0 | 73979.189373353 | 1032562.685989802 | 0 | 685413.4 | 0 | 0 | 0 | 1801442.9853631551 280 | Industrie de la fabrication | 1125.65 | 0 | 236460.17085353503 | 2527777.411660694 | 894076.28185 | 294178.37 | 0 | 0 | 0 | 3953617.884364229 290 | Autres industries | 0 | 936.2676 | 17804.780245086004 | 14570.618078051999 | 3456697.95431 | 244432.04 | 0 | 0 | 0 | 3734441.660233138 300 | Production et distribution de l'électricité | 1965553.11 | 0 | 11208.392380000001 | 0 | 0 | 18814.41 | 0 | 0 | 0 | 1995575.91238 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 121938.48744 | 0 | 0 | 0 | 0 | 121938.48744 500 | Traitement et distribution de l'eau | 0 | 0 | 363881.723670252 | 248489.69419488203 | 7788.57604 | 76458.71 | 0 | 0 | 0 | 696618.703905134 600 | Entrep/ batiment et corps/ métiers corresp. | 578874.61 | 0 | 550343.4352949141 | 5014984.758324441 | 1765265.75279 | 825296.75 | 0 | 8210.4605276043 | 0 | 8742975.76693696 700 | Commerce de gros(1) | 2610349.6 | 84434.76289 | 3925537.7329403562 | 12634221.1094528 | 14316395.232210007 | 2284035.71 | 0 | 24166.66675 | 0 | 35879140.81424316 800 | Commerce de détail(2) | 1034017.2400000001 | 384483.95862 | 1277015.85815406 | 5564782.650609202 | 9688241.865879994 | 1818561.76 | 0 | 24166.66675 | 0 | 19791270.00001326 900 | Rest/débits/boissons, casinos/activités/loterie | 14434.86 | 496210.53455000004 | 2006.4515800000001 | 1781.49657 | 472.94225 | 53564.76 | 0 | 0 | 0 | 568471.04495 1000 | Hotels,motels et pensions | 2477718.94 | 0 | 26013.189850000002 | 485395.36162 | 1017043.30248 | 121047.05 | 150562.656645898 | 0 | 0 | 4277780.500595898 1100 | Transport | 249741.84 | 0 | 277670.56541483605 | 348656.677927636 | 975057.55363 | 34502.77 | 0 | 0 | 0 | 1885629.406972472 1200 | Immobilier résidentiel / Avance Hypothécaire | 2217844.3400000003 | 135763.70307 | 1260874.5397044118 | 411727.35371167597 | 2817443.89783 | 1505828.35 | 3981488.4132924685 | 0 | 0 | 12330970.597608555 1300 | Immobilier commercial | 3154758.26 | 205339.91272999998 | 656536.400614974 | 5980939.297404117 | 2910949.53723 | 172403.12 | 1151985.3643636159 | 0 | 0 | 14232911.892342705 1400 | Télécommunications | 186460.99 | 43103.832259999996 | 108490.978874542 | 299468.71505351004 | 18760.69559 | 22426.64 | 0 | 0 | 0 | 678711.851778052 1500 | Services financiers | 157309.73 | 0 | 523167.4748855939 | 874740.503569443 | 988484.45418 | 2465151.34 | 0 | 7037.537595089401 | 0 | 5015891.040230126 1510 | Services professionnels | 285773.11 | 0 | 152367.79925940296 | 118323.60817887301 | 419626.60979 | 531237.75 | 0 | 0 | 0 | 1507328.8772282759 1520 | Services médicaux | 9373.45 | 0 | 11233.875756453 | 14149.16412 | 108562.42433 | 33869.27 | 0 | 0 | 0 | 177188.18420645298 1530 | Services d'agence ou de représentation | 1167.69 | 0 | 19145.550352152 | 18924.588360638 | 74854.37895 | 1.06 | 0 | 8210.4605276043 | 0 | 122303.7281903943 1540 | Services d'enseignement | 494038.33 | 775.39098 | 476.31867000000005 | 20819.535741763997 | 78993.55981 | 238.8 | 0 | 0 | 0 | 595341.9352017641 1550 | Autres services | 28118.35 | 0 | 584626.4897179321 | 839545.010777521 | 1645967.529 | 163819.49 | 0 | 0 | 0 | 3262076.8694954533 1560 | Crédit à la consommation | 4948649.350000001 | 16306.92687 | 633338.1965306785 | 3099354.9799617254 | 1413335

.0992300003 | 396637.34 | 38214.280161219 | 0 | 0 | 10545836.172753623 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 23438309.61 | 1368110.9477300001 | 12169451.634076403 | 45170897.22385928 | 50406959.017129995 | 13528757 | 5333613.176983201 | 120125.125650298 | 0 | 151536223.73542917 (1) Commerce de gros Import-export | 788242.15 | 38471.60732 | 906116.0874764291 | 2859403.46752089 | 2177498.27075 | 222378.26 | 0 | 6992109.843067319 Produits pétroliers | 501179.78 | 0 | 859254.8456029452 | 2551619.9586740257 | 692499.97363 | 233963.05 | 0 | 4838517.607906971 Produits pharmaceutiques | 0 | 0 | 26901.088739526003 | 149336.284840804 | 112262.27601 | 24745.99 | 0 | 313245.63959032996 Produits alimentaires | 248860.08 | 16002.60736 | 599119.4608822181 | 3012866.271424066 | 2423773.24109 | 1278040.75 | 0 | 7578662.410756284 Matériaux de construction | 160061.5 | 211549.06215 | 1126161.4863961262 | 853721.066284728 | 6587222.6702 | 515916.09 | 0 | 9454631.875030853 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 912006.09 | 118460.33179000001 | 432816.57409311197 | 3207274.060708285 | 2323138.80053 | 8989.96 | 0 | 0 | 7002685.817121397 S-Total | 2610349.6 | 384483.60862 | 3950369.5431903563 | 12634221.109452797 | 14316395.23221 | 2284034.1 | 0 | 0 | 0 | 36179853.19347315 0 (2) Commerce de détail Produits pétroliers | 103400.69 | 0 | 106647.63683995501 | 79899.05372 | 53608.86301 | 67667 | 411223.243569955 Produits pharmaceutiques | 0 | 0 | 2317.23419 | 439.32393 | 11012.95833 | 3823.17 | 0 | 17592.68645 Véhicules automobiles | 23067.18 | 0 | 88433.98651 | 1350223.491472189 | 2546767.62138 | 636864.14 | 0 | 4645356.419362189 Produits alimentaires | 139175.75 | 0 | 475928.78441637603 | 742511.28074814 | 1855897.9126 | 236889 | 0 | 3450402.727764516 Librairie ,papeterie | 101.92 | 0 | 0 | 37598.644174730005 | 135168.89287 | 1.06 | 0 | 172870.51704473002 Appareils électro- ménagers électroni.équip. inform. | 4569.03 | 0 | 56752.703298864006 | 347807.63790390803 | 1931805.33767 | 731147 | 0 | 3072081.708872772 Matériaux de construction | 72492.69 | 0 | 24581.524257983 | 123186.96001415601 | 1440476.6045799998 | 2 | 0 | 1660739.778852139 Autres | 691209.98 | 496210.53455 | 522353.988640882 | 2883116.2586460817 | 1713503.6754400004 | 142168 | 0 | 0 | 6448562.437276964 S-Total | 1034017.24 | 496210.53455 | 1277015.8581540599 | 5564782.650609205 | 9688241.86588 | 1818561.37 | 0 | 0 | 0 | 19878829.519193266 [Secteur d' activitéjuin 23.] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2023 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 131170.36 | 1003.47878 | 9458.09 | 5.62 | 0 | 0 | 0 | 141637.54877999998 200 | Industrie alimentaire | 2609845.01 | 755.6581600000001 | 1095190.97 | 1510343.7554038076 | 5694007.34787 | 1242679.33 | 12383.62789 | 24166.66675 | 0 | 12189372.366073808 210 | Industrie des boissons | 382558.55 | 0 | 1542028.84 | 4554143.131241105 | 2723564.04241 | 110107.2 | 0 | 0 | 0 | 9312401.763651103 220 | Industrie du bois | 0 | 0 | 0 | 0 | 710.27 | 12100.46

| 0 | 0 | 0 | 12810.73 230 | Industrie chimique | 88.85 | 0 | 12882.96 | 322387.26191616 | 231947.29226 | 101802.54 | 0 | 24166.66675 | 0 | 693275.57092616 240 | Industrie du textile | 227930.19 | 0 | 543495.92 | 2850610.6703388 | 6107.00944 | 433559.17 | 0 | 0 | 0 | 4061702.9597788006 250 | Industrie pharmacie | 0 | 0 | 45710.49 | 0 | 251583.95211 | 38506.99 | 0 | 0 | 0 | 335801.43211 260 | Imprimerie, édition | 87710.43 | 0 | 197633.38333054405 | 259477.93824 | 82660.44 | 0 | 0 | 0 | 627482.1915705439 270 | Sidérurgie, aciérie | 25241.64 | 0 | 63675.41 | 1010196.446572448 | 0 | 706012.26 | 0 | 0 | 0 | 1805125.756572448 280 | Industrie de la fabrication | 1184.63 | 932.39608 | 252057.14 | 3047940.5131971366 | 1185847.30896 | 327208.76 | 0 | 0 | 0 | 4815170.748237137 290 | Autres industries | 0 | 0 | 1029.05 | 15141.963857488001 | 3613112.08892 | 269668.53 | 0 | 0 | 0 | 3898951.632777488 300 | Production et distribution de l'électricité | 2016165.43 | 0 | 11208.39 | 0 | 0 | 8355.51 | 0 | 0 | 0 | 2035729.3299999998 400 | Production et distribution de gaz | 0 | 0 | 0 | 125757.03183 | 71680.21 | 0 | 0 | 0 | 197437.24183 500 | Traitement et distribution de l'eau | 0 | 0 | 372718.94 | 263552.07925608 | 39689.52362 | 83422.87 | 0 | 0 | 0 | 759383.41287608 600 | Entrep/ batiment et corps/ métiers corresp. | 722244.25 | 116319.21768 | 1337855.46 | 6169743.996645744 | 1126991.52605 | 669457.26 | 0 | 0 | 0 | 10142611.710375743 700 | Commerce de gros(1) | 2560555.68 | 393114.30586 | 4220638.55 | 11527018.63364563 | 17809529.32339 | 2460050.18 | 0 | 24166.66675 | 0 | 38995073.33964563 800 | Commerce de détail(2) | 1018195.17 | 505955.09006 | 1307269.26 | 4980542.789329723 | 12386889.67404 | 1837399.94 | 0 | 24166.66675 | 0 | 22060418.590179723 900 | Rest/débits/boissons, casinos/activités/loterie | 15038.09 | 0 | 1287.34 | 0 | 17665.13963 | 56628.69 | 0 | 0 | 0 | 90619.25963 1000 | Hotels,motels et pensions | 2267632.03 | 0 | 33214.25 | 305551.816340128 | 1201702.87119 | 142788.69 | 151449.645335216 | 0 | 0 | 4102339.3028653436 1100 | Transport | 279564.22 | 137209.78600999998 | 303055.98 | 332890.873778144 | 1019933.87413 | 28170.07 | 0 | 0 | 0 | 2100824.8039181437 1200 | Immobilier résidentiel / Avance Hypothécaire | 2251071.57 | 211636.09543000002 | 1531307.07 | 254721.40321399996 | 2931774.55684 | 1571129.98 | 4153560.09407165 | 0 | 0 | 12905200.76955565 1300 | Immobilier commercial | 3104871.23 | 44975.59609000001 | 1966291.14 | 5165700.121506847 | 2997825.74135 | 155767.65 | 1153447.4947505 | 0 | 0 | 14588878.973697348 1400 | Télécommunications | 353490.42 | 0 | 112822.92 | 334914.5479373921 | 60952.08821 | 23946.01 | 0 | 0 | 0 | 886125.9861473921 1500 | Services financiers | 121938.39 | 0 | 432113.57 | 1236291.8169956962 | 1080923.67978 | 2471288.64 | 0 | 0 | 0 | 5342556.096775696 1510 | Services professionnels | 226078.87 | 0 | 179501.66 | 250111.889390368 | 567130.50151 | 512555.72 | 0 | 0 | 0 | 1735378.640900368 1520 | Services médicaux | 9908.73 | 0 | 2160.92 | 14766.908799999997 | 137008.15857 | 33869.27 | 0 | 0 | 0 | 197713.98737 1530 | Services d'agence ou de représentation | 217.76 | 775.39098 | 20029.97 | 21916.962794352003 | 64701.14331 | 121.39 | 0 | 0 | 0 | 107762.617084352 1540 | Services d'enseignement | 497994.67 | 0 | 1158.31 | 6231.598023216 | 144127.92477 | 684.58 | 0 | 0 | 0 | 650197.082793216 1550 | Autres services | 28593.87 | 15525.61498 | 677779.92 | 997820.7657585918 | 2072203.61646 | 171845.17 | 0 | 0 | 0 | 3963768.957198592 1560 | Crédit à la consommation | 4723514.24 | 31710.30054 | 665632.39 | 4647424.322109603 | 1478573.50083 | 378238.16 | 39499.285990544 | 0 | 0 | 11964592.199470147 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 23531633.92000001 | 1458909.45187 | 16863287.18

0000003 | 50018601.130162984 | 59239195.215720005 | 14001711.290000001 | 5510340.1480379095 | 96666.667 | 0 | 170720345.00279087 (1) Commerce de gros Import-export | 811856.21 | 39411.05359 | 969190.34 | 2904003.71081342 | 2984540.2505900003 | 258182 | 0 | 7967183.564993421 Produits pétroliers | 429836.48 | 0 | 907920.46 | 1158461.36224189 | 718003.29386 | 240340 | 0 | 3454561.59610189 Produits pharmaceutiques | 0 | 0 | 17762.2 | 166524.147507472 | 106390.48604 | 23794 | 0 | 314470.833547472 Produits alimentaires | 191133.86 | 16056.22394 | 616095.87 | 2979690.79808075 | 2731725.85445 | 1335185 | 0 | 7869887.60647075 Matériaux de construction | 156862.89 | 216739.19038 | 1190231.9 | 961150.05195024 | 7072333.52805 | 595153 | 0 | 10192470.560380239 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 970866.2400000001 | 120907.83795 | 519437.78 | 3357188.56305186 | 4196535.9103999995 | 7396 | 0 | 0 | 9172332.331401858 S-Total | 2560555.68 | 393114.30586 | 4220638.55 | 11527018.633645631 | 17809529.32339 | 2460050 | 0 | 0 | 0 | 38970906.49289563 0 (2) Commerce de détail Produits pétroliers | 106019.89 | 0 | 114058.45 | 61713.36558 | 140194.6274 | 79262 | 501248.33298 Produits pharmaceutiques | 0 | 0 | 2247.2 | 200.17329 | 5733.0851600000005 | 3077 | 0 | 11257.45845 Véhicules automobiles | 23974.41 | 0 | 60063.03 | 1199448.3873472 | 3169076.59766 | 638169 | 0 | 5090731.4250072 Produits alimentaires | 140679.22 | 0 | 507298.92 | 955607.487436384 | 1977009.68395 | 231096 | 0 | 3811691.311386384 Librairie ,papeterie | 178.45 | 0 | 0 | 40779.13692304 | 130356.1875 | 26 | 0 | 171339.77442303998 Appareils électro- ménagers électroni.équip. inform. | 4953.89 | 0 | 72962.85 | 331629.021219904 | 2143753.3407 | 748268 | 0 | 3301567.101919904 Matériaux de construction | 74359.34 | 0 | 25133.61 | 361981.89143136 | 1403398.89663 | 615 | 0 | 1865488.73806136 Autres | 668029.9600000001 | 505955.09006 | 525505.19 | 2029183.32610184 | 3417367.2577299997 | 136870 | 0 | 0 | 7282910.82389184 S-Total | 1018195.1600000001 | 505955.09006 | 1307269.25 | 4980542.789329728 | 12386889.67673 | 1837383 | 0 | 0 | 0 | 22036234.96611973 [Secteur d' activitémars 23] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2022 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 140116.41363271303 | 1003.47878 | 0 | 1.19 | 0 | 0 | 0 | 141121.08241271303 200 | Industrie alimentaire | 2803482.87 | 755.6581600000001 | 1116419.365555317 | 1741403.86087 | 6559532.24 | 1436530.62 | 13113.49393 | 24166.66675 | 0 | 13695404.77526532 210 | Industrie des boissons | 382558.55 | 0 | 1612650.6440950828 | 4282841.88708 | 3029728.57 | 110034.77 | 0 | 0 | 0 | 9417814.421175081 220 | Industrie du bois | 40.36 | 0 | 0 | 37500 | 0 | 16186.33 | 0 | 0 | 0 | 53726.69 230 | Industrie chimique | 96.35 | 0 | 9574.470080000001 | 461201.75173 | 230142.82 | 91252.5 | 0 | 24166.66675 | 0 | 816434.5585599999 240 | Industrie du textile | 227926.89 | 0 | 603996.799569371 | 2305991.3601599997 | 4436.63 | 445275.37 | 0 | 0 | 0 | 3587627.0497293705 250 | Industrie pharmacie | 0 | 0 | 70408.20032999999 | 0 | 254583.2 | 57603.07 | 0 | 0 | 0 | 382594.47033 260 | Imprimerie, édition | 98083.95 | 0 | 0.39936494 | 164901.6346 | 215034.33 | 82345.59 | 0 | 0 | 0 | 560365.

90396494 270 | Sidérurgie, aciérie | 13933.23 | 0 | 83681.14696112298 | 1132849.15201 | 0 | 776119.1 | 0 | 0 | 0 | 2006582.6289711231 280 | Industrie de la fabrication | 1212.9 | 1036.4475400000001 | 280195.528035576 | 3365292.43655 | 1030974.59 | 368655.27 | 0 | 0 | 0 | 5047367.172125576 290 | Autres industries | 0 | 0 | 29292.092764603003 | 21522.51237 | 4128181.52 | 301819.78 | 0 | 0 | 0 | 4480815.905134603 300 | Production et distribution de l'électricité | 2248750.97 | 0 | 11208.392380000001 | 4323.25918 | 0 | 9098.16 | 0 | 0 | 0 | 2273380.7815600005 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 145570.41 | 73890.38 | 0 | 0 | 0 | 219460.79 500 | Traitement et distribution de l'eau | 0 | 0 | 459940.4088085639 | 275517.05327 | 7821.21 | 84239.08 | 0 | 0 | 0 | 827517.7520785638 600 | Entrep/ batiment et corps/ métiers corresp. | 744786.01 | 126064.17081 | 1701343.103828582 | 7187086.2229700005 | 1268137.56 | 785399.02 | 0 | 0 | 0 | 11812816.087608581 700 | Commerce de gros(1) | 2336238.46 | 429565.32104 | 4770074.540631605 | 12502470.143469999 | 17318970.02 | 4166198.43 | 0 | 24166.66675 | 0 | 41547683.581891604 800 | Commerce de détail(2) | 1104212.75 | 549465.9519199999 | 1439269.8221949476 | 6728622.31757 | 12652609.11 | 1992765.61 | 0 | 24166.66675 | 0 | 24491112.228434946 900 | Rest/débits/boissons, casinos/activités/loterie | 46028.18 | 0 | 445.07031 | 0 | 509.06 | 64833.32 | 0 | 0 | 0 | 111815.63031000001 1000 | Hotels,motels et pensions | 2331186.67 | 0 | 40853.06280000001 | 343642.06451999996 | 1330347.02 | 135164.65 | 153054.68 | 0 | 0 | 4334248.1473199995 1100 | Transport | 414094.77 | 143348.99169 | 344333.86174061405 | 335563.34187 | 1116248.7 | 38175.52 | 0 | 0 | 0 | 2391765.185300614 1200 | Immobilier résidentiel / Avance Hypothécaire | 2353157.08 | 220970.26653 | 1667602.76229975 | 476574.66497000004 | 3163725.94 | 1693605 | 4407772.65 | 0 | 0 | 13983408.36379975 1300 | Immobilier commercial | 3192226.55 | 47872.019479999995 | 2006870.6252787341 | 7411693.63296 | 3279086.44 | 181614.17 | 1300403.07 | 0 | 0 | 17419766.507718734 1400 | Télécommunications | 517058.63 | 0 | 113117.59471940897 | 382942.68172000005 | 28302.41 | 24708.68 | 0 | 0 | 0 | 1066129.9964394092 1500 | Services financiers | 71267.3 | 0 | 252922.177988949 | 1247453.51223 | 1650322.78 | 2483732.79 | 0 | 0 | 0 | 5705698.560218949 1510 | Services professionnels | 296263.64 | 0 | 182034.72491159197 | 120868.50503 | 489287.07 | 906912.6 | 0 | 0 | 0 | 1995366.5399415921 1520 | Services médicaux | 10424.1 | 0 | 2479.21025299 | 15213.261050000001 | 119972.52 | 69155.05 | 0 | 0 | 0 | 217244.14130299003 1530 | Services d'agence ou de représentation | 976.46 | 775.39098 | 20963.07680623 | 26334.765629999998 | 70563.13 | 21.3 | 0 | 0 | 0 | 119634.12341623001 1540 | Services d'enseignement | 429675.52 | 0 | 867.329762615 | 12572.17591 | 89791.37 | 477.93 | 0 | 0 | 0 | 533384.325672615 1550 | Autres services | 41055.16 | 15638.580689999999 | 789924.931284916 | 939834.7917599999 | 2321368.47 | 197295.57 | 0 | 0 | 0 | 4305117.503734916 1560 | Crédit à la consommation | 4458803.43 | 34899.99219 | 663449.0419410412 | 3586356.50926 | 1665487.98 | 345445.84 | 28756.94 | 0 | 0 | 10783199.733391041 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 24123540.78 | 1570392.7910299997 | 18414034.79832926 | 55111576.97752001 | 62170735.1 | 16938556.69 | 5903100.833930001 | 96666.667 | 0 | 184328604.63780928 (1) Commerce de gros Import-export | 773173.83 | 39519.42726 | 1077968.683732092 | 2977027.026929062 | 3149246.1776199997 | 301046 | 0 | 8317981.145541154 Produits pétroliers | 137603.53 | 0 | 988599.273735116 | 1375512.5366368291 | 537995.78888 | 1766544 | 0 | 4806255.129251945 Produits pharmaceutiques | 0 | 0 | 38479.232712708 |

158048.43838175398 | 114449.14283 | 10466 | 0 | 321442.81392446195 Produits alimentaires | 212353.21 | 17265.20303 | 704863.5395007661 | 3553563.475555466 | 3135192.3503400013 | 1438023 | 0 | 9061260.778426234 Matériaux de construction | 131116.7 | 240589.81953 | 1433568.04944545 | 891149.257995239 | 7419302.49907 | 636901 | 0 | 10752627.326040689 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1081991.19 | 132190.87120999998 | 526595.761505474 | 3547169.4079742106 | 2962784.06391 | 13216 | 0 | 0 | 8263947.294599684 S-Total | 2336238.46 | 429565.32103 | 4770074.540631606 | 12502470.14347256 | 17318970.02265 | 4166196 | 0 | 0 | 0 | 41523514.48778417 0 (2) Commerce de détail Produits pétroliers | 101056.21 | 0 | 73921.15131999999 | 64290.336370000005 | 107858.58128 | 75344 | 422470.27897 Produits pharmaceutiques | 0 | 0 | 2552.26787 | 233.05656 | 6785.205730000001 | 3363 | 0 | 12933.53016 Véhicules automobiles | 24278.03 | 0 | 70121.79269 | 1410370.1583372236 | 3587741.8726500003 | 706943 | 0 | 5799454.853677224 Produits alimentaires | 157430.11 | 0 | 626541.1799798409 | 819195.3562336181 | 2296126.42498 | 260042 | 0 | 4159335.071193459 Librairie ,papeterie | 178.45 | 0 | 0 | 40712.392493584 | 141646.37792 | 13 | 0 | 182550.220413584 Appareils électro- ménagers électroni.équip. inform. | 4546.25 | 0 | 79820.92617201399 | 364801.091134503 | 2733734.8689099997 | 766827 | 0 | 3949730.1362165166 Matériaux de construction | 82937.38 | 0 | 25664.293771962002 | 135842.677574543 | 1835776.43398 | 1135 | 0 | 2081355.785326505 Autres | 733786.34 | 549465.9519199999 | 560648.210391131 | 3893177.2488632216 | 1942939.34806 | 179098 | 0 | 0 | 7859115.099234352 S-Total | 1104212.77 | 549465.9519199999 | 1439269.8221949479 | 6728622.317566693 | 12652609.11351 | 1992765 | 0 | 0 | 0 | 24466944.97519164 [Secteur d'activitésmars. 23% ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2022 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.0076092184666353545 | 1.8208130397163532e-05 | 0 | 7.02539196094871e-08 | 0 | 0 | 0.0007655951320740723 200 | Industrie alimentaire | 0.11621357310549832 | 0.0004811905431025151 | 0.06062872030939204 | 0.031597786823997394 | 0.10550835902855522 | 0.0848083249529804 | 0.002221458568795896 | 0.25 | 0.0742988577501342 210 | Industrie des boissons | 0.01585830842531898 | 0 | 0.08757725624812013 | 0.0777121999036059 | 0.04873239097345014 | 0.006496112509099499 | 0 | 0 | 0.05109252814928166 220 | Industrie du bois | 1.6730545639245915e-06 | 0 | 0 | 0.0006804377964959383 | 0 | 0.0009555908626828818 | 0 | 0 | 0.00029147234150428566 230 | Industrie chimique | 3.994023965166858e-06 | 0 | 0.000519955033476352 | 0.008368509431659414 | 0.003701787016508994 | 0.005387265377449346 | 0 | 0.25 | 0.004429234193815048 240 | Industrie du textile | 0.009448318224867153 | 0 | 0.032800893784787066 | 0.04184223146255845 | 7.136203219832927e-05 | 0.02628768071265935 | 0 | 0 | 0.019463213844529263 250 | Industrie pharmacie | 0 | 0 | 0.003823616122219355 | 0 | 0.004094904131188245 | 0.003400707100033326 | 0 | 0 | 0.0020756109507895806 260 | Imprimerie, édition | 0.004065901887890273 | 0 | 2.1688073492520776e-08 | 0.0029921414636213967 | 0.0034587709097234076 | 0.004861428958030071 | 0 | 0 | 0.003

040037681975695 270 | Sidérurgie, aciérie | 0.0005775781477133557 | 0 | 0.004544422114848807 | 0.02055555682015938 | 0 | 0.04581967130990544 | 0 | 0 | 0.010885899304201292 280 | Industrie de la fabrication | 5.027868881526603e-05 | 0.0006599925483102911 | 0.015216411346251972 | 0.06106325786908078 | 0.016582956407732743 | 0.021764266976633414 | 0 | 0 | 0.027382441168277937 290 | Autres industries | 0 | 0 | 0.0015907482029555375 | 0.00039052615712265 | 0.06640071913835228 | 0.017818506353506795 | 0 | 0 | 0.024308847310698427 300 | Production et distribution de l'électricité | 0.09321811381289277 | 0 | 0.0006086874768487437 | 7.844557200320099e-05 | 0 | 0.0005371272279279421 | 0 | 0 | 0.012333304350819608 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.002341461939702881 | 0.004362259509608784 | 0 | 0 | 0.001190595406671811 500 | Traitement et distribution de l'eau | 0 | 0 | 0.02497770933127025 | 0.004999259109975809 | 0.00012580211553586728 | 0.004973214751510213 | 0 | 0 | 0.004489361560049613 600 | Entrep/ batiment et corps/ métiers corresp. | 0.030873826391914924 | 0.0802755664252102 | 0.09239382473541041 | 0.13040973634090727 | 0.020397660699366573 | 0.046367529086092395 | 0 | 0 | 0.06408563722825225 700 | Commerce de gros(1) | 0.09684475762931513 | 0.27354004902063633 | 0.2590455917387754 | 0.2268574196047729 | 0.27857109928236956 | 0.24595947023394232 | 0 | 0.25 | 0.2254000873251844 800 | Commerce de détail(2) | 0.04577324531544162 | 0.3498907757718453 | 0.07816156741082814 | 0.12209090515255265 | 0.20351390553205795 | 0.1176467184583954 | 0 | 0.25 | 0.13286658506723897 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0019080192422731071 | 0 | 2.4170167748373217e-05 | 0 | 8.188096846228218e-06 | 0.003827558698568195 | 0 | 0 | 0.0006066103008250327 1000 | Hotels,motels et pensions | 0.09663534434102256 | 0 | 0.002218582904150191 | 0.006235387977741436 | 0.021398283579246273 | 0.00797970290348274 | 0.025927844416999996 | 0 | 0.023513703452789896 1100 | Transport | 0.01716558832620922 | 0.09128225276427772 | 0.018699533562946027 | 0.006088799491382294 | 0.017954568145358795 | 0.0022537646328826613 | 0 | 0 | 0.012975550864719224 1200 | Immobilier résidentiel | 0.09754608999815324 | 0.14071018906363456 | 0.09056150814111934 | 0.00864745106394605 | 0.05088770359416259 | 0.09998520127750034 | 0.7466876772060012 | 0 | 0.0758613042792572 1300 | Immobilier commercial | 0.13232827548460735 | 0.03048410547567617 | 0.10898592553223703 | 0.1344852395710474 | 0.05274324703939362 | 0.01072193890682666 | 0.22029152246993794 | 0 | 0.09450387009627269 1400 | Télécommunications | 0.021433778511845806 | 0 | 0.006143009718308577 | 0.006948497987568061 | 0.00045523685628738847 | 0.0014587240490559175 | 0 | 0 | 0.005783855406133345 1500 | Services financiers | 0.002954263665103643 | 0 | 0.013735293799482615 | 0.02263505384247734 | 0.026545009920592045 | 0.14663190231941775 | 0 | 0 | 0.030953950806659566 1510 | Services professionnels | 0.012281100966970073 | 0 | 0.009885651184286255 | 0.0021931599794232383 | 0.007870054443026844 | 0.05354131503632851 | 0 | 0 | 0.010825050967332635 1520 | Services médicaux | 0.00043211318334505287 | 0 | 0.00013463699184574927 | 0.00027604474203678627 | 0.0019297265796685103 | 0.00408270027167232 | 0 | 0 | 0.0011785698792103217 1530 | Services d'agence ou de représentation | 4.047747421927172e-05 | 0.0004937560745496236 | 0.0011384293032905542 | 0.00047784453057371116 | 0.00113498947513651 | 1.2574861241025843e-06 | 0 | 0 | 0.0006490263605656938 1540 | Services d'enseignement | 0.01781146158926343 | 0 | 4.710155987614917e-05 | 0.00022812223128959247 | 0.00144427068226832 | 2.8215509074758128e-05 | 0 | 0 | 0.0028936600845032804 1550 | Autres services | 0.0017018712292035266 | 0.009958387977407144 | 0.04289798188915052 | 0.017053309727343823 | 0.037338604188387664 | 0.011647720263939442 | 0 | 0 | 0.023355666974174315 1560 | Crédit à la consommation | 0.18483204727958677 | 0.0222237343353503 | 0

.03602953123566581 | 0.06507446721625973 | 0.02678893819288297 | 0.020394054010749365 | 0.0048714973382650165 | 0 | 0.05849987176205859 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1.0000000000000002 | 1.0000000000000004 | 0.9999999999999999 | 0.9999999999999997 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 (1) Commerce de gros Import-export | 0.03205059477176799 | 0.02516531372643384 | 0.05854060207542879 | 0.05401817894166574 | 0.050654800406566204 | 0.0177728247754266 | 0 | 0 | 0.04512582928669867 Produits pétroliers | 0.005704118282424044 | 0 | 0.0536872708541212 | 0.024958685852845403 | 0.008653521436004381 | 0.10429129425430402 | 0 | 0 | 0.026074385680376875 Produits pharmaceutiques | 0 | 0 | 0.0020896687300818663 | 0.002867790164056127 | 0.0018408845037124226 | 0.0006178802711200772 | 0 | 0 | 0.0017438574688723486 Produits alimentaires | 0.008802738036534618 | 0.01099419401860345 | 0.03827860364230004 | 0.06447943736041092 | 0.05042874827355871 | 0.08489643045259955 | 0 | 0 | 0.049158191134961796 Matériaux de construction | 0.005435217872689086 | 0.15320359396976113 | 0.0778519246404118 | 0.016169910332247222 | 0.11933753858847328 | 0.03760066525479155 | 0 | 0 | 0.05833401357954576 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.044852088665899396 | 0.08417694729947006 | 0.02859752179643176 | 0.06436341695359397 | 0.04765560611667916 | 0.0007802317660159508 | 0 | 0 | 0.044832690568225524 S-Total | 0.09684475762931513 | 0.2735400490142685 | 0.25904559173877545 | 0.22685741960481937 | 0.2785710993249942 | 0.24595932677425775 | - | 0 | 0.225268967718681 (2) Commerce de détail Produits pétroliers | 0.004189111827389048 | 0 | 0.004014391855429044 | 0.0011665486617489463 | 0.0017348770463548853 | 0.004448076738703526 | 0 | 0 | 0.002291940959462693 Produits pharmaceutiques | 0 | 0 | 0.00013860448825868255 | 4.228813123875291e-06 | 0.0001091382580419256 | 0.00019854111903084464 | 0 | 0 | 7.016561637524103e-05 Véhicules automobiles | 0.0010064040855946022 | 0 | 0.003808062353415466 | 0.02559117767420288 | 0.05770788887857303 | 0.04173572831133583 | 0 | 0 | 0.03146258750817694 Produits alimentaires | 0.006525995144565175 | 0 | 0.034025197999337335 | 0.014864306215874888 | 0.036932592501709056 | 0.015352075431168273 | 0 | 0 | 0.022564783579663145 Librairie ,papeterie | 7.397338625677486e-06 | 0 | 0 | 0.0007387266836909887 | 0.002278344910867879 | 7.674797940532204e-07 | 0 | 0 | 0.0009903520984834685 Appareils électro- ménagers électroni.équip. inform. | 0.00018845699482760589 | 0 | 0.004334787407877403 | 0.006619318682956672 | 0.0439714097720231 | 0.04527109446418837 | 0 | 0 | 0.021427657112564898 Matériaux de construction | 0.0034380268119164554 | 0 | 0.0013937354877970889 | 0.00246486645863814 | 0.029527983399700867 | 6.700688971156962e-05 | 0 | 0 | 0.01129155070324652 Autres | 0.03041785394158875 | 0.3498907757718453 | 0.030446787818713128 | 0.07064173196225626 | 0.03125167082124464 | 0.010573392011949513 | 0 | 0 | 0.04263643786962351 S-Total | 0.04577324614450731 | 0.3498907757718453 | 0.07816156741082815 | 0.12209090515249266 | 0.2035139055885154 | 0.11764668244588197 | - | 0 | 0.1327354754475964 [Secteur d'activitémars 23 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2022 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3440451.21 | 979031.27296 | 6209344.362826553 | 19231092.461039998 | 29971579.13 | 6158964.04 | 0 | 48333.3335 | 0 | 66038795.81032655 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3226877.0300000003 | 16413.97167 | 1290489.584117292 | 2705919.07613 | 6072161.42 | 3857593.

21 | 153054.68 | 0 | 0 | 17322508.971917294 Industries Manufacturières ( 200 à 290 ) | 3527335.1 | 1792.1057 | 3806218.6467560125 | 13513504.595369998 | 15452613.9 | 3685822.4000000004 | 13113.49393 | 48333.3335 | 0 | 40048733.575256005 Prêts aux Particuliers ( 1560 ) | 4458803.43 | 34899.99219 | 663449.0419410412 | 3586356.50926 | 1665487.98 | 345445.84 | 28756.94 | 0 | 0 | 10783199.733391041 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5545383.63 | 268842.28601 | 3674473.387578484 | 7888268.29793 | 6442812.38 | 1875219.17 | 5708175.720000001 | 0 | 0 | 31403174.871518478 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 931153.4 | 143348.99169 | 457451.456460023 | 718506.0235900001 | 1144551.1099999999 | 62884.2 | 0 | 0 | 0 | 3457895.181740023 Bâtiments et Travaux Publics ( 600 ) | 744786.01 | 126064.17081 | 1701343.103828582 | 7187086.2229700005 | 1268137.56 | 785399.02 | 0 | 0 | 0 | 11812816.087608581 Électricité, Gaz et Eau ( 300 à 500 ) | 2248750.97 | 0 | 471148.80118856387 | 279840.31244999997 | 153391.62 | 167227.62 | 0 | 0 | 0 | 3320359.3236385644 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 140116.41363271303 | 1003.47878 | 0 | 1.19 | 0 | 0 | 0 | 141121.08241271303 Total | 24123540.779999997 | 1570392.79103 | 18414034.798329264 | 55111576.97752 | 62170735.099999994 | 16938556.69 | 5903100.833930001 | 96666.667 | 0 | 184328604.63780925 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1426180029447568 | 0.6234308247924816 | 0.33720715914960353 | 0.3489483247573256 | 0.48208500481442756 | 0.36360618869233774 | 0 | 0.5 | #DIV/0! | 0.35826667239242344 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1337646516914007 | 0.010452144051956767 | 0.07008184779983039 | 0.04909892303088594 | 0.09766912696517241 | 0.2277403724886078 | 0.025927844416999996 | 0 | #DIV/0! | 0.09397623882606077 Industries Manufacturières ( 200 à 290 ) | 0.14621962555863247 | 0.001141183091412806 | 0.2067020448501247 | 0.24520264772830136 | 0.2485512496377094 | 0.21759955511298054 | 0.002221458568795896 | 0.5 | #DIV/0! | 0.2172681426952074 Prêts aux Particuliers ( 1560 ) | 0.1848320472795868 | 0.022223734335350298 | 0.0360295312356658 | 0.06507446721625974 | 0.026788938192882975 | 0.020394054010749365 | 0.0048714973382650165 | 0 | #DIV/0! | 0.0584998717620586 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.22987436548276063 | 0.17119429453931068 | 0.19954743367335634 | 0.1431326906349935 | 0.10363095063355621 | 0.110707140184327 | 0.966979199675939 | 0 | #DIV/0! | 0.17036517437552987 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.03859936683805503 | 0.0912822527642777 | 0.024842543281254598 | 0.01303729747895036 | 0.018409805001646184 | 0.0037124886819385784 | 0 | 0 | #DIV/0! | 0.018759406270852572 Bâtiments et Travaux Publics ( 600 ) | 0.03087382639191493 | 0.08027556642521019 | 0.09239382473541038 | 0.13040973634090733 | 0.020397660699366577 | 0.046367529086092395 | 0 | 0 | #DIV/0! | 0.06408563722825227 Électricité, Gaz et Eau ( 300 à 500 ) | 0.09321811381289279 | 0 | 0.02558639680811899 | 0.005077704681979011 | 0.0024672640552387487 | 0.009872601489046938 | 0 | 0 | #DIV/0! | 0.018013261317541034 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007609218466635353 | 1.820813039716354e-05 | 0 | 7.02539196094871e-08 | 0 | 0 | #DIV/0! | 0.0007655951320740724 Total | 1 | 0.9999999999999999 | 1 | 1 | 1 | 1 | 1 | 1 | #DIV/0! | 1 [Secteur d' activitédéc. 22 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2022 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités compri

ses dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 133444.68012 | 1121.47878 | 0 | 0 | 0 | 0 | 0 | 134566.1589 200 | Industrie alimentaire | 2762499.38 | 755.6581600000001 | 1119369.00713 | 1742509.3697198997 | 6238395.46487 | 1382542 | 0 | 24166.66675 | 0 | 13270237.5466299 210 | Industrie des boissons | 382558.55 | 0 | 1814536.4565599998 | 4005191.9811771 | 3005982.1513900002 | 110096 | 0 | 0 | 0 | 9318365.1391271 220 | Industrie du bois | 131.28 | 0 | 0 | 0 | 0 | 9122 | 0 | 0 | 0 | 9253.28 230 | Industrie chimique | 108.52 | 0 | 10573.492849999999 | 377044.47201880004 | 196135.45487000002 | 90369 | 0 | 24166.66675 | 0 | 698397.6064888 240 | Industrie du textile | 220703.96 | 0 | 582741.56276 | 2215072.0854347995 | 72391.12587999999 | 466430 | 0 | 0 | 0 | 3557338.7340748 250 | Industrie pharmacie | 0 | 0 | 71536.35554 | 0 | 215919.1052 | 66773 | 0 | 0 | 0 | 354228.46074 260 | Imprimerie, édition | 42669.72 | 0 | 4304.82006 | 161594.49565609999 | 238106.97259 | 78637 | 0 | 0 | 0 | 525313.0083061 270 | Sidérurgie, aciérie | 24729.42 | 0 | 78940.75942 | 1069291.1276867 | 0 | 748186 | 0 | 0 | 0 | 1921147.3071067 280 | Industrie de la fabrication | 837.66 | 1186.28595 | 272092.43469 | 3914543.952521 | 1183937.5528199999 | 359974 | 0 | 0 | 0 | 5732571.885981 290 | Autres industries | 0 | 0 | 17216.66306 | 16340.2101836 | 3974054.53451 | 299352 | 0 | 0 | 0 | 4306963.4077536 300 | Production et distribution de l'électricité | 2128227.74 | 0 | 11208.392380000001 | 89319.46523019999 | 0 | 8254 | 0 | 0 | 0 | 2237009.5976102003 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 146092.8154 | 76497 | 0 | 0 | 0 | 222589.8154 500 | Traitement et distribution de l'eau | 0 | 0 | 451356.44577 | 279962.3362125 | 8101.3418 | 81712 | 0 | 0 | 0 | 821132.1237825 600 | Entrep/ batiment et corps/ métiers corresp. | 759219.49 | 121014.69717 | 1330969.65486 | 6063714.6240537 | 1338965.24678 | 725288 | 0 | 2391.3365 | 0 | 10341563.0493637 700 | Commerce de gros(1) | 2910269.41 | 410498.434 | 4821401.37739 | 14112616.495939996 | 17163216.00844 | 4122212 | 0 | 24166.66675 | 0 | 43564380.392519996 800 | Commerce de détail(2) | 932202 | 530622.36348 | 1244788.05477 | 7331885.336047694 | 13021277.551910002 | 2252483 | 0 | 24166.66675 | 0 | 25337424.972957693 900 | Rest/débits/boissons, casinos/activités/loterie | 42242.42 | 0 | 685.84586 | 0 | 5439.88674 | 15910 | 0 | 0 | 0 | 64278.1526 1000 | Hotels,motels et pensions | 2321708.51 | 0 | 50538.80289 | 343372.7078768 | 1391832.96353 | 134607 | 154537.3909046 | 0 | 0 | 4396597.375201399 1100 | Transport | 396763.31 | 140840.55675 | 339270.80468 | 419255.98305379995 | 1054533.30444 | 37969 | 0 | 0 | 0 | 2388632.9589238 1200 | Immobilier résidentiel / Avance Hypothécaire | 2385264.14 | 220621.67685 | 1712287.5899 | 507688.13836830005 | 3209330.83752 | 1684276 | 4326893.4277509 | 0 | 0 | 14046361.8103892 1300 | Immobilier commercial | 3680661.67 | 48548.65375 | 2006299.72202 | 7370288.7827036 | 3100029.5821 | 184524 | 1279561.0236494 | 0 | 0 | 17669913.434223 1400 | Télécommunications | 677874.61 | 0 | 8818.52457 | 426144.78311250004 | 32735.874519999998 | 28936 | 0 | 0 | 0 | 1174509.7922025002 1500 | Services financiers | 233945.49 | 0 | 266848.12143 | 1268296.5729353 | 1649243.59337 | 2487371 | 0 | 2049.717 | 0 | 5907754.494735301 1510 | Services professionnels | 106469.74 | 5825.237730000001 | 189137.37075 | 148526.2186268 | 470643.80811000004 | 806703 | 0 | 2391.3365 | 0 | 1729696.7117168 1520 | Services médicaux | 10920.09 | 0 | 2273.32677 | 13733.843620000001 | 121428.35495000001 | 71292 | 0 | 0 | 0 | 219647.61534000002 1530 | Services d'agence ou de représentation | 188.35 | 775.39098 | 15187.91792 | 30204.9732058 | 88204.16872 | 1966 | 0 | 0 | 0 | 136526.800

8258 1540 | Services d'enseignement | 4809.39 | 0 | 5097.48299 | 21776.7520839 | 85435.49597 | 1132 | 0 | 0 | 0 | 118251.1210439 1550 | Autres services | 1529482.14 | 14529.76427 | 744215.8458 | 898367.5587186018 | 1820113.05524 | 261800 | 0 | 0 | 0 | 5268508.364028602 1560 | Crédit à la consommation | 4063564.81 | 33067.84138 | 707455.49113 | 3719137.7173458925 | 1794669.9598700001 | 322209 | 45846.815473 | 0 | 0 | 10685951.635198893 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 25618051.799999997 | 1528286.56047 | 18012597.004070006 | 56547001.46231339 | 61626216.211540006 | 16916622 | 5806838.6577779 | 103499.05700000002 | 0 | 186159112.7531713 (1) Commerce de gros Import-export | 717896.0900000001 | 39463.27203 | 1220460.2450960001 | 2770241.423037 | 3346889.81171 | 292202 | 0 | 8387152.841873 Produits pétroliers | 535904.23 | 0 | 1052580.7286704 | 3905546.6543294 | 537642.9827 | 2099585 | 0 | 8131259.5956998 Produits pharmaceutiques | 0 | 0 | 32543.1312566 | 141105.0280668 | 108278.35990000001 | 5846 | 0 | 287772.51922340004 Produits alimentaires | 374165.26 | 16361.75511 | 590638.6294005001 | 3166212.5306053003 | 2735864.40848 | 1304599 | 0 | 8187841.583595801 Matériaux de construction | 164995.25 | 228231.30618 | 1408671.7364205 | 725096.3370791 | 7441067.27785 | 405030 | 0 | 10373091.9075296 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1117308.58 | 126442.10068 | 516506.9065439 | 3404414.5228224 | 2993473.1678000004 | 14946 | 0 | 0 | 8173091.277846301 S-Total | 2910269.41 | 410498.434 | 4821401.377387901 | 14112616.495940002 | 17163216.008440003 | 4122208 | 0 | 0 | 0 | 43540209.7257679 0 (2) Commerce de détail Produits pétroliers | 120254.34 | 995.39698 | 88242.803182 | 162285.16761999996 | 618954.84467 | 169174 | 1159906.5524519999 Produits pharmaceutiques | 0 | 0 | 1882.8228399999998 | 238.63835999999998 | 7172.7953 | 16705 | 0 | 25999.2565 Véhicules automobiles | 25097.07 | 0 | 10523.9588 | 1497678.1762408 | 3788027.85796 | 688884 | 0 | 6010211.0630008 Produits alimentaires | 14597.94 | 0 | 541731.7500898 | 816279.6769265002 | 2177926.58769 | 230310 | 0 | 3780845.9547063 Librairie ,papeterie | 178.45 | 0 | 0 | 33561.1139845 | 150208.61444 | 1 | 0 | 183949.1784245 Appareils électro- ménagers électroni.équip. inform. | 4780.26 | 0 | 61772.8271166 | 374310.48585409997 | 2558950.28754 | 728567 | 0 | 3728380.8605107 Matériaux de construction | 78492.56 | 0 | 26226.4618254 | 129268.2020742 | 1779723.06582 | 52 | 0 | 2013762.2897196 Autres | 688801.38 | 529626.9665 | 514407.4309153001 | 4318263.874987606 | 1940313.49849 | 418790 | 0 | 0 | 8410203.150892906 S-Total | 932202 | 530622.3634799999 | 1244788.0547691002 | 7331885.336047705 | 13021277.55191 | 2252483 | 0 | 0 | 0 | 25313258.306206804 [Secteur d'activitésdéc. 22%] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2022 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.00740840868697877 | 1.983268344913791e-05 | 0 | 0 | 0 | 0 | 0.0007228556094292387 200 | Industrie alimentaire | 0.10783409298906

954 | 0.0004944479520696757 | 0.0621436768322233 | 0.030815239087102108 | 0.10122957157479694 | 0.08172683648071111 | 0 | 0.2334964921467835 | 0.07128438329110932 210 | Industrie des boissons | 0.014933163262633423 | 0 | 0.10073708172952514 | 0.07082943175769313 | 0.0487776523723536 | 0.006508155115128777 | 0 | 0 | 0.05005591722755113 220 | Industrie du bois | 5.124511458751911e-06 | 0 | 0 | 0 | 0 | 0.000539232950881092 | 0 | 0 | 4.97062962062402e-05 230 | Industrie chimique | 4.236075438023746e-06 | 0 | 0.0005870054633216345 | 0.006667806643471397 | 0.00318266262197146 | 0.005342023957265227 | 0 | 0.2334964921467835 | 0.0037516165400659526 240 | Industrie du textile | 0.008615173461394907 | 0 | 0.03235189032588291 | 0.03917222890962783 | 0.0011746806851082342 | 0.02757228955047881 | 0 | 0 | 0.01910913025671476 250 | Industrie pharmacie | 0 | 0 | 0.003971462611628747 | 0 | 0.003503689151688781 | 0.00394718283591133 | 0 | 0 | 0.0019028263269049426 260 | Imprimerie, édition | 0.0016656114341996923 | 0 | 0.00023898941718550142 | 0.002857702291496342 | 0.003863728575719574 | 0.004648504884722258 | 0 | 0 | 0.0028218495486848046 270 | Sidérurgie, aciérie | 0.0009653122803038442 | 0 | 0.004382530703493953 | 0.018909775939213072 | 0 | 0.044227860621346274 | 0 | 0 | 0.01031992083919068 280 | Industrie de la fabrication | 3.269803678045495e-05 | 0.0007762195786339813 | 0.01510567491342419 | 0.06922637542734972 | 0.019211589248899853 | 0.02127930741728461 | 0 | 0 | 0.03079393644071471 290 | Autres industries | 0 | 0 | 0.000955812371536977 | 0.00028896687288520827 | 0.06448642767338726 | 0.017695731452768763 | 0 | 0 | 0.023135925736089052 300 | Production et distribution de l'électricité | 0.08307531566471422 | 0 | 0.0006222529920292686 | 0.0015795614784230125 | 0 | 0.00048792247057361687 | 0 | 0 | 0.012016653735217655 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.0023706277032897395 | 0.0045220020876508326 | 0 | 0 | 0.00119569658507737 500 | Traitement et distribution de l'eau | 0 | 0 | 0.025057821793715504 | 0.004950966965049157 | 0.00013145934146258616 | 0.004830278763691711 | 0 | 0 | 0.004410915542293331 600 | Entrep/ batiment et corps/ métiers corresp. | 0.029636113469018753 | 0.07918325024907887 | 0.0738910471687821 | 0.10723317713132773 | 0.02172720197819427 | 0.042874280692682024 | 0 | 0.023104910994503066 | 0.05555227942601767 700 | Commerce de gros(1) | 0.11360229234917858 | 0.26860043438042003 | 0.26766830881191583 | 0.2495732069072763 | 0.27850510811056495 | 0.24367820005672527 | 0 | 0.2334964921467835 | 0.23401691030984922 800 | Commerce de détail(2) | 0.03638848134423712 | 0.34720083078975433 | 0.06910652886359119 | 0.12966001992049286 | 0.21129445149143625 | 0.1331520560073991 | 0 | 0.2334964921467835 | 0.13610628348101675 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0016489317895750373 | 0 | 3.8075900984462755e-05 | 0 | 8.827228206461485e-05 | 0.0009404950941151254 | 0 | 0 | 0.0003452860923613582 1000 | Hotels,motels et pensions | 0.09062783259732499 | 0 | 0.002805747715256195 | 0.006072341574214964 | 0.022585079031176476 | 0.007957085049249194 | 0.02661299891596037 | 0 | 0.023617416897720477 1100 | Transport | 0.01548764570770366 | 0.09215585636419307 | 0.018835196535143747 | 0.007414292043994932 | 0.017111764590903605 | 0.0022444788327125828 | 0 | 0 | 0.012831136352110212 1200 | Immobilier résidentiel | 0.09310872499680091 | 0.14435884117318373 | 0.09506056175648092 | 0.008978161975691257 | 0.05207736309014258 | 0.09956337618704254 | 0.7451375322707297 | 0 | 0.07545352791304553 1300 | Immobilier commercial | 0.1436745346107857 | 0.03176672163829645 | 0.11138314600424747 | 0.1303391619733478 | 0.05030374689010186 | 0.01090785146112504 | 0.22035415465444483 | 0 | 0.09491833718423212 1400 | Télécommunications | 0.02646081814855258 | 0 | 0.0004895754103646145 | 0.007536116365012046 | 0.0005312004619532351 | 0.0017105069794667044 | 0 | 0 | 0.006309171626531035 1500 | Services financiers | 0.009132

05624793061 | 0 | 0.014814527931186424 | 0.022429068564857067 | 0.02676204535596923 | 0.14703709759548922 | 0 | 0.019804209423859773 | 0.031734973417972843 1510 | Services professionnels | 0.004156043591105551 | 0.0038116135289500567 | 0.0105002832577259 | 0.0026265976052821747 | 0.007637071315468306 | 0.047687002759770836 | 0 | 0.023104910994503066 | 0.009291496323417742 1520 | Services médicaux | 0.00042626543521939486 | 0 | 0.0001262076073475876 | 0.00024287483447116344 | 0.0019704009497059074 | 0.004214316546175708 | 0 | 0 | 0.0011798918252862065 1530 | Services d'agence ou de représentation | 7.3522374562456e-06 | 0.0005073596798244048 | 0.0008431831299266974 | 0.0005341569389126771 | 0.0014312767218618082 | 0.00011621705562729959 | 0 | 0 | 0.0007333876854410084 1540 | Services d'enseignement | 0.0001877344162447201 | 0 | 0.00028299544973155215 | 0.0003851088744009432 | 0.0013863498559887491 | 6.691643284338918e-05 | 0 | 0 | 0.0006352153235747818 1550 | Autres services | 0.0597032964075746 | 0.009507225049163296 | 0.04131641015628351 | 0.015887094549431283 | 0.02953472023971462 | 0.015475902931448134 | 0 | 0 | 0.02830110374996322 1560 | Crédit à la consommation | 0.15862114893529883 | 0.02163719961643222 | 0.03927559646008558 | 0.06577073268552654 | 0.02912185868607545 | 0.019046887729713413 | 0.007895314158865262 | 0 | 0.057402248416210576 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999998 | 0.9999999999999998 | 0.9999999999999998 | 1 | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999998 (1) Commerce de gros Import-export | 0.028023055601753454 | 0.02582190608145092 | 0.06775592907675851 | 0.048990067579149525 | 0.054309513344472836 | 0 | 0 | 0 | 0.04348404288220964 Produits pétroliers | 0.020919007978584852 | 0 | 0.058435811806180196 | 0.06906726357421995 | 0.008724257560361496 | 0 | 0 | 0 | 0.032400641077921385 Produits pharmaceutiques | 0 | 0 | 0.0018066873560346002 | 0.002495358275731766 | 0.0017570178173574773 | 0 | 0 | 0 | 0.0015144384556516819 Produits alimentaires | 0.014605531401103657 | 0.010705947126151659 | 0.032790309429953014 | 0.055992580485730456 | 0.04439448949922205 | 0 | 0 | 0 | 0.03697505043828988 Matériaux de construction | 0.006440585384404602 | 0.14933803128505635 | 0.07820481056130918 | 0.012822896322139229 | 0.12074515904574716 | 0 | 0 | 0 | 0.05354592509659342 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.04361411198333201 | 0.08273454988776108 | 0.028674760581563756 | 0.06020504067030546 | 0.04857467084340395 | 0 | 0 | 0 | 0.04382350752102692 S-Total | 0.11360229234917858 | 0.26860043438042003 | 0.26766830881179926 | 0.24957320690727638 | 0.27850510811056495 | 0 | - | 0 | 0.21174360547169294 (2) Commerce de détail Produits pétroliers | 0.004694125101269411 | 0.0006513156666730628 | 0.004898949505285731 | 0.0028699164133072093 | 0.010043693783589713 | 0 | 0 | 0 | 0.005321966450095914 Produits pharmaceutiques | 0 | 0 | 0.00010452811660498316 | 4.220177088594948e-06 | 0.00011639194714435244 | 0 | 0 | 0 | 4.992641167302549e-05 Véhicules automobiles | 0.00097966348869667 | 0 | 0.000584255496174265 | 0.02648554543142222 | 0.06146779878480778 | 0 | 0 | 0 | 0.0285848325354685 Produits alimentaires | 0.0005698302163632912 | 0 | 0.030075160731536595 | 0.014435419311676892 | 0.03534091043678527 | 0 | 0 | 0 | 0.019072587434459692 Librairie ,papeterie | 6.965791208213577e-06 | 0 | 0 | 0.00059350828720542 | 0.0024374141992490567 | 0 | 0 | 0 | 0.0009881234160607395 Appareils électro- ménagers électroni.équip. inform. | 0.00018659732743611678 | 0 | 0.003429423702903153 | 0.006619457728515718 | 0.041523728777312405 | 0 | 0 | 0 | 0.01611424665784779 Matériaux de construction | 0.0030639550818614553 | 0 | 0.00145600669

46189961 | 0.0022860310667463554 | 0.028879317524718198 | 0 | 0 | 0 | 0.010817145934669243 Autres | 0.02688734433740196 | 0.3465495151230812 | 0.0285582046164175 | 0.07636592150453068 | 0.03148519603782944 | 0 | 0 | 0 | 0.042927864409671605 S-Total | 0.03638848134423712 | 0.3472008307897542 | 0.06910652886354123 | 0.12966001992049309 | 0.21129445149143622 | 0 | - | 0 | 0.12387669324994652 [Secteur d'activitédéc. 22 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2022 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3842471.41 | 941120.7974800001 | 6066189.43216 | 21444501.83198769 | 30184493.56035 | 6374695 | 0 | 48333.3335 | 0 | 68901805.36547768 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 4249766.13 | 21130.39298 | 1273984.71441 | 2724278.627067202 | 5632341.32663 | 3780781 | 154537.3909046 | 4441.0535 | 0 | 17841260.635491803 Industries Manufacturières ( 200 à 290 ) | 3434238.4899999998 | 1941.94411 | 3971311.5520699997 | 13501587.694397997 | 15124922.36213 | 3611481 | 0 | 48333.3335 | 0 | 39693816.37620799 Prêts aux Particuliers ( 1560 ) | 4063564.81 | 33067.84138 | 707455.49113 | 3719137.7173458925 | 1794669.9598700001 | 322209 | 45846.815473 | 0 | 0 | 10685951.635198893 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 6065925.8100000005 | 269170.3306 | 3718587.3119200002 | 7877976.9210719 | 6309360.41962 | 1868800 | 5606454.4514003005 | 0 | 0 | 31716275.244612202 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1074637.92 | 140840.55675 | 348089.32925 | 845400.7661663 | 1087269.1789600002 | 66905 | 0 | 0 | 0 | 3563142.7511263 Bâtiments et Travaux Publics ( 600 ) | 759219.49 | 121014.69717 | 1330969.65486 | 6063714.6240537 | 1338965.24678 | 725288 | 0 | 2391.3365 | 0 | 10341563.0493637 Électricité, Gaz et Eau ( 300 à 500 ) | 2128227.74 | 0 | 462564.83814999997 | 369281.8014427 | 154194.1572 | 166463 | 0 | 0 | 0 | 3280731.5367927 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 133444.68012 | 1121.47878 | 0 | 0 | 0 | 0 | 0 | 134566.1589 Total | 25618051.799999997 | 1528286.5604700001 | 18012597.00407 | 56547001.462313384 | 61626216.211540006 | 16916622 | 5806838.657777901 | 103499.057 | 0 | 186159112.75317127 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1499907736934157 | 0.6158012651701742 | 0.33677483767550714 | 0.3792332268277692 | 0.48979955960200117 | 0.3768302560641244 | 0 | 0.46699298429356706 | #DIV/0! | 0.370123193790866 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.16588951272243116 | 0.013826198257937756 | 0.07072743114844236 | 0.04817724294157028 | 0.09139521575194971 | 0.2234950334647189 | 0.026612998915960362 | 0.042909120418362846 | #DIV/0! | 0.09583877131573766 Industries Manufacturières ( 200 à 290 ) | 0.13405541205127863 | 0.0012706675307036569 | 0.22047412436822245 | 0.2387675269288388 | 0.2454300019039257 | 0.21348712526649824 | 0 | 0.46699298429356706 | #DIV/0! | 0.2132252125032316 Prêts aux Particuliers ( 1560 ) | 0.15862114893529883 | 0.021637199616432217 | 0.03927559646008559 | 0.06577073268552655 | 0.02912185868607545 | 0.019046887729713413 | 0.00789531415886526 | 0 | #DIV/0! | 0.05740224841621058 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.2367832596075866 | 0.17612556281148017 | 0.20644370776072848 | 0.13931732394903906 | 0.10238110998024444 | 0.11047122764816758 | 0.9654916869251743 | 0 | #DIV/0! | 0.1703718650972777 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.04194846385625624 | 0.09215585636419306 | 0.01932477194550837 | 0.014950408409006981 | 0.017642965052856844 | 0.003954985812179288 | 0 | 0 | #DIV/0! | 0.01914030797864125 Bâtiments et Travaux Publics ( 600 ) | 0.029636113469018753 | 0.07918325024907885 | 0.07389104716878213 | 0.10723317713132774 | 0.02172720197819427 | 0.042874280692682024 | 0 | 0.02310491

099450307 | #DIV/0! | 0.055552279426017676 Électricité, Gaz et Eau ( 300 à 500 ) | 0.08307531566471422 | 0 | 0.025680074785744782 | 0.00653052844347217 | 0.0025020870447523256 | 0.009840203321916161 | 0 | 0 | #DIV/0! | 0.017623265862588357 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007408408686978773 | 1.983268344913791e-05 | 0 | 0 | 0 | 0 | #DIV/0! | 0.0007228556094292388 Total | 1.0000000000000002 | 1 | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999999 | 1.0000000000000002 | 0.9999999999999999 | 1 | #DIV/0! | 1.0000000000000002 [Secteur d' activitésept. 22 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2022 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 755.6581600000001 | 121498.235256976 | 1121.47878 | 10000 | 0 | 0 | 0 | 0 | 133375.372196976 200 | Industrie alimentaire | 2317524.55 | 0 | 1089854.4629643199 | 2239964.98868745 | 6440578.373400001 | 907868 | 4176.8799 | 24166.66675 | 0 | 13024133.92170177 210 | Industrie des boissons | 356649.17 | 0 | 1531.02035250293 | 2884448.341569565 | 4990500.03443 | 110000 | 0 | 0 | 0 | 8343128.5663520675 220 | Industrie du bois | 244.55 | 0 | 1531020.35250293 | 0 | 0 | 7027 | 0 | 0 | 0 | 1538291.90250293 230 | Industrie chimique | 132.51 | 0 | 725.99488 | 348423.079230495 | 135647.31583 | 74105 | 0 | 24166.66675 | 0 | 583200.566690495 240 | Industrie du textile | 0 | 0 | 9543.806120000001 | 1876774.24393288 | 3547.74071 | 341148 | 0 | 0 | 0 | 2231013.79076288 250 | Industrie pharmacie | 0 | 0 | 494674.056436272 | 12499.99993 | 204162.5924 | 76454 | 0 | 0 | 0 | 787790.648766272 260 | Imprimerie, édition | 33961.2 | 0 | 67360.56448000002 | 103596.97182513101 | 164566.66672 | 85823 | 0 | 0 | 0 | 455308.40302513103 270 | Sidérurgie, aciérie | 0 | 0 | 0.177734097 | 643062.0727572171 | 0 | 601216 | 0 | 0 | 0 | 1244278.250491314 280 | Industrie de la fabrication | 851.66 | 1228.53306 | 57606.665858289 | 2816684.8038514596 | 1136663.4462300001 | 300542 | 0 | 0 | 0 | 4313577.108999749 290 | Autres industries | 0 | 0 | 220236.93075398201 | 6706.133509727 | 1430779.96259 | 249784 | 0 | 0 | 0 | 1907507.026853709 300 | Production et distribution de l'électricité | 1723199.84 | 0 | 7030.473024186 | 72321.11755576199 | 0 | 2686 | 0 | 0 | 0 | 1805237.430579948 400 | Production et distribution de gaz | 0 | 0 | 11208.392380000001 | 0 | 145522.99931 | 78919 | 0 | 0 | 0 | 235650.39169000002 500 | Traitement et distribution de l'eau | 0 | 0 | 0 | 238154.163055513 | 9850.18075 | 73067 | 0 | 0 | 0 | 321071.343805513 600 | Entrep/ batiment et corps/ métiers corresp. | 763935.74 | 104044.71417 | 415299.0154358609 | 6019639.135975246 | 1339885.13974 | 599148 | 0 | 1112.3094149999997 | 0 | 9243064.054736108 700 | Commerce de gros(1) | 2872415.52 | 347034.45319 | 1491014.818241241 | 12287611.660786364 | 15741223.171659999 | 4374086 | 0 | 24166.66675 | 0 | 37137552.2906276 800 | Commerce de détail(2) | 837787.2 | 452863.85317 | 3535781.9042376773 | 6880768.988221388 | 10634420.813709997 | 1648241 | 0 | 24166.66675 | 0 | 24014030.426089063 900 | Rest/débits/boissons, casinos/activités/loterie | 34771.07 | 0 | 1210250.513286262 | 0 | 5683.6117699999995 | 7166 | 0 | 0 | 0 | 1257871.1950562622 1000 | Hotels,motels et pensions | 2199143.96 | 0 | 1154.654083559 | 345659.165750498 | 1174854

.68125 | 129496 | 154457.270918126 | 0 | 0 | 4004765.732002183 1100 | Transport | 332833.03 | 135606.32291 | 54026.85486772099 | 377395.067572865 | 945685.19163 | 25731 | 0 | 0 | 0 | 1871277.466980586 1200 | Immobilier résidentiel / Avance Hypothécaire | 2350775.25 | 211496.19097 | 284946.70354381 | 549191.098261545 | 3219660.0365000004 | 1551803 | 3928346.918475233 | 0 | 0 | 12096219.197750589 1300 | Immobilier commercial | 3241899.8800000004 | 47355.35506 | 1745572.6356219258 | 6624230.108105225 | 2649467.7055899994 | 149199 | 1139917.491154695 | 0 | 0 | 15597642.175531844 1400 | Télécommunications | 836340.76 | 0 | 1974207.9220915257 | 13339.746477276 | 44594.333959999996 | 27007 | 0 | 0 | 0 | 2895489.762528802 1500 | Services financiers | 220636.09 | 0 | 9423.446511786 | 1386105.799365676 | 1767401.32852 | 2482118 | 0 | 953.40807 | 0 | 5866638.072467462 1510 | Services professionnels | 71682.34000000001 | 6772.97746 | 263806.951063312 | 201371.54641846102 | 533787.6227899999 | 700385 | 0 | 1112.3094149999997 | 0 | 1778918.747146773 1520 | Services médicaux | 10891.91 | 0 | 214310.57423133604 | 1770.50059 | 37546.0583 | 61785 | 0 | 0 | 0 | 326304.043121336 1530 | Services d'agence ou de représentation | 1814.09 | 775.39098 | 22199.012158969 | 19035.341123717 | 77412.70735 | 636 | 0 | 0 | 0 | 121872.541612686 1540 | Services d'enseignement | 432376.96 | 0 | 14809.705753971999 | 22338.689500763998 | 77700.95620999999 | 1294 | 0 | 0 | 0 | 548520.311464736 1550 | Autres services | 3180844.74 | 12706.93277 | 5451.237003824999 | 781056.0202130461 | 1711766.0182 | 220660 | 0 | 0 | 0 | 5912484.948186872 1560 | Crédit à la consommation | 3831803.76 | 27587.67246 | 462255.526147657 | 4043776.936708953 | 1866495.8672 | 329014 | 52159.981497337 | 0 | 0 | 10613093.744013947 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 25652515.78 | 1348228.05436 | 15316802.607023997 | 50797047.19975622 | 56499404.55674999 | 15216408 | 5279058.541945391 | 99844.69390000001 | 0 | 170209309.4337356 (1) Commerce de gros Import-export | 879311.1599999999 | 39152.85997 | 824896.299692933 | 2627045.4126431798 | 3116977.0057099997 | 218974.89 | 0 | 7706357.628016111 Produits pétroliers | 559696.9 | 0 | 436842.29223141307 | 3699246.93305554 | 1091407.9326099998 | 2320254.57 | 0 | 8107448.627896953 Produits pharmaceutiques | 0 | 0 | 25955.101601093 | 142699.427911335 | 81646.56745999999 | 22635.36 | 0 | 272936.45697242796 Produits alimentaires | 150043.8 | 12331.74962 | 539078.054448813 | 2843996.8329113 | 2530327.48432 | 1240464.55 | 0 | 7316242.471300113 Matériaux de construction | 157853.98 | 159917.42 | 1170069.914098911 | 252628.73646007304 | 6311420.546060001 | 533347.43 | 0 | 8585238.026618984 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1125509.67 | 104484.46758 | 538940.242164515 | 2721994.317804933 | 2609443.6355 | 5409.19 | 0 | 0 | 7105781.523049448 S-Total | 2872415.51 | 315886.49717 | 3535781.9042376783 | 12287611.66078636 | 15741223.171659999 | 4341085.99 | 0 | 0 | 0 | 39094004.73385404 (2) Commerce de détail Produits pétroliers | 137438.92 | 4834.70675 | 84900.69902999999 | 113344.28463000001 | 272484.14892 | 80177 | 693179.75933 Produits pharmaceutiques | 0 | 0 | 2617.4835199999998 | 0 | 6295.7121 | 28588 | 0 | 37501.19562 Véhicules automobiles | 25901.43 | 0 | 37980.16082047 | 1174283.604378841 | 3071299.61981 | 577832 | 0 | 4887296.815009311 Produits alimentaires | 126769.06999999999 | 0 | 550451.11037364 | 699199.1561567289 | 1792777.4134099998 | 146351.36 | 0 | 3315548.109940368 Librairie ,papeterie | 178.45 | 0 | 0 | 30091.046476608 | 131347.88805 | 0 | 0 | 161617.38452660802 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 62687.292715935 | 357293.3376

6586805 | 2168742.3980300003 | 683745 | 0 | 3272468.0284118033 Matériaux de construction | 63957.71 | 0 | 26756.895804264 | 104093.59038275403 | 1449793.65052 | 21 | 0 | 1644622.8467070179 Autres | 483541.63 | 415445.29527 | 444856.87102195306 | 4402463.968530589 | 1741679.98287 | 131483 | 0 | 0 | 7619470.747692542 S-Total | 837787.21 | 420280.00202 | 1210250.513286262 | 6880768.988221388 | 10634420.81371 | 1648197.3599999999 | 0 | 0 | 0 | 21631704.887237653 [Secteur d'activitéssept. 22%] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2022 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0.0005604824477255881 | 0.007932349745191546 | 2.2077637221507276e-05 | 0.00017699301573976143 | 0 | 0 | 0 | 0.0007835962242059418 200 | Industrie alimentaire | 0.090342973370544 | 0 | 0.07115417564136611 | 0.04409636213457305 | 0.11399373894163534 | 0.05966375244407222 | 0.0007912168176980992 | 0.2420425743826132 | 0.07651834065381842 210 | Industrie des boissons | 0.01390308744213157 | 0 | 9.995691606032927e-05 | 0.056783779778116855 | 0.0883283651143149 | 0.0072290385483880296 | 0 | 0 | 0.049016875716778235 220 | Industrie du bois | 9.5331780359205e-06 | 0 | 0.09995691606032925 | 0 | 0 | 0.00046180412617747896 | 0 | 0 | 0.009037648455426019 230 | Industrie chimique | 5.165575226088019e-06 | 0 | 4.7398592162248824e-05 | 0.006859120725272533 | 0.002400862750575558 | 0.004870071832984499 | 0 | 0.2420425743826132 | 0.0034263729089244765 240 | Industrie du textile | 0 | 0 | 0.0006230938900801262 | 0.03694652243372695 | 6.279253273256224e-05 | 0.022419745842777086 | 0 | 0 | 0.013107472195176485 250 | Industrie pharmacie | 0 | 0 | 0.032296169711648816 | 0.0002460772942341418 | 0.0036135352930123698 | 0.005024444665258713 | 0 | 0 | 0.004628364050046086 260 | Imprimerie, édition | 0.001323893542888993 | 0 | 0.00439782154332326 | 0.0020394290128271115 | 0.0029127150633013036 | 0.005640161593984599 | 0 | 0 | 0.0026749911890241685 270 | Sidérurgie, aciérie | 0 | 0 | 1.1603864171918916e-08 | 0.012659438061988439 | 0 | 0.03951103309006961 | 0 | 0 | 0.0073102831721183 280 | Industrie de la fabrication | 3.319986262961378e-05 | 0.000911220513493306 | 0.0037610111807454953 | 0.055449774329894064 | 0.02011814912293979 | 0.019751179121905774 | 0 | 0 | 0.025342780153156504 290 | Autres industries | 0 | 0 | 0.014378779723451258 | 0.0001320181758470241 | 0.02532380604388271 | 0.016415437861550506 | 0 | 0 | 0.011206831360750704 300 | Production et distribution de l'électricité | 0.06717469174479541 | 0 | 0.00045900395823877477 | 0.001423726801901766 | 0 | 0.00017651997764518406 | 0 | 0 | 0.010605985281214874 400 | Production et distribution de gaz | 0 | 0 | 0.0007317710273853136 | 0 | 0.0025756554507372124 | 0.005186440847274863 | 0 | 0 | 0.0013844741658019673 500 | Traitement et distribution de l'eau | 0 | 0 | 0 | 0.004688346590678521 | 0.0001743413196524245 | 0.00480185599650062 | 0 | 0 | 0.0018863324507553429 600 | Entrep/ batiment et corps/ métiers corresp. | 0.029780148916060817 | 0.07717145021091386 | 0.02711394969896737 | 0.1185037215313597 | 0.023715031162747428 | 0.039375127165359916 | 0 | 0.011140395864341466 | 0.0543041040791869 700 | Commerce de gros(1) | 0.11197402799141754 | 0.25740040942460307 | 0.0973450436422997 | 0.24189617976151445 | 0.2786086560

5847157 | 0.28745851189058547 | 0 | 0.2420425743826132 | 0.21818755045878183 800 | Commerce de détail(2) | 0.0326590657690261 | 0.33589558658529267 | 0.23084334210954932 | 0.1354560819482911 | 0.188221821046422 | 0.10831997932757849 | 0 | 0.2420425743826132 | 0.14108529378316992 900 | Rest/débits/boissons, casinos/activités/loterie | 0.001355464325534468 | 0 | 0.07901456618179985 | 0 | 0.00010059595874663033 | 0.0004709390021613511 | 0 | 0 | 0.007390143343163997 1000 | Hotels,motels et pensions | 0.08572819831240738 | 0 | 7.538479885021808e-05 | 0.006804709816915438 | 0.020794107309041365 | 0.00851028705329142 | 0.029258487984337982 | 0 | 0.023528476470091566 1100 | Transport | 0.012974674018502837 | 0.10058114609873767 | 0.0035272932774458613 | 0.007429468608456362 | 0.01673796740070279 | 0.0016910035535324763 | 0 | 0 | 0.010993978374074159 1200 | Immobilier résidentiel | 0.09163916982492545 | 0.15686974491151398 | 0.01860353696881481 | 0.010811476818758485 | 0.05698573395169254 | 0.10198221551367445 | 0.744137782762226 | 0 | 0.07106673094434815 1300 | Immobilier commercial | 0.126377463629807 | 0.03512414306085587 | 0.11396455777405129 | 0.13040581044122215 | 0.046893727931748036 | 0.009805139294372232 | 0.21593196629613862 | 0 | 0.09163800868132997 1400 | Télécommunications | 0.032602679876414055 | 0 | 0.12889164747649037 | 0.0002626086989824089 | 0.0007892885652486457 | 0.0017748604006937775 | 0 | 0 | 0.017011347805603125 1500 | Services financiers | 0.00860095329020396 | 0 | 0.0006152358787639259 | 0.02728713332322057 | 0.031281769115721565 | 0.16312115185134363 | 0 | 0.009548910740864116 | 0.03446719860379558 1510 | Services professionnels | 0.0027943590646141298 | 0.005023614097108455 | 0.017223369513317037 | 0.003964237244471711 | 0.00944766811221603 | 0.04602827421557046 | 0 | 0.011140395864341466 | 0.010451359876054993 1520 | Services médicaux | 0.00042459422278152867 | 0 | 0.0139918610776545 | 3.485439976535677e-05 | 0.00066453900876579 | 0.00406041951556504 | 0 | 0 | 0.0019170751835308388 1530 | Services d'agence ou de représentation | 7.071782025427526e-05 | 0.0005751185620952502 | 0.001449324165657717 | 0.00037473322118235946 | 0.0013701508530456095 | 4.1796986516134425e-05 | 0 | 0 | 0.0007160157221607925 1540 | Services d'enseignement | 0.016855148388100902 | 0 | 0.0009668927735074778 | 0.0004397635439894468 | 0.0013752526565471042 | 8.503978074194646e-05 | 0 | 0 | 0.0032226222718933074 1550 | Autres services | 0.12399737972210693 | 0.009424913484708598 | 0.00035589914838526183 | 0.015376012254050752 | 0.030297062980206135 | 0.014501451328066387 | 0 | 0 | 0.03473655446847734 1560 | Crédit à la consommation | 0.149373410111591 | 0.020462170602951732 | 0.030179635920598424 | 0.07960653541153785 | 0.03303567324015293 | 0.02162231717235763 | 0.009880546139599254 | 0 | 0.06235319195713994 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 0.9999999999999999 | 1.0000000000000002 | 0.9999999999999997 | 0.9999999999999999 | 1.0000000000000004 | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999998 (1) Commerce de gros Import-export | 0.03427777484053066 | 0.029040235324717188 | 0.05385564604159951 | 0.05171649844748825 | 0.05516831602321044 | 0.014390708372172987 | 0 | 0 | 0.045275770483143185 Produits pétroliers | 0.02181840193765198 | 0 | 0.028520462360145937 | 0.07282405448703509 | 0.019317158139494216 | 0.15248372480548628 | 0 | 0 | 0.0476322279602061 Produits pharmaceutiques | 0 | 0 | 0.001694550897273461 | 0.002809207144466063 | 0.001445087219954527 | 0.0014875626363330952 | 0 | 0 | 0.0016035342478061413 Produits alimentaires | 0.005849087133862392 | 0.009146634784909477 | 0.0351952080522081 | 0.055987443949792194 | 0.044785029225900067 | 0.081521509544171 | 0 | 0 | 0.042983797394163144 Matériaux de construction |

0.006153547720378793 | 0.1186130339617598 | 0.0763912641638627 | 0.004973295700961245 | 0.11170773560490514 | 0.035050810283215335 | 0 | 0 | 0.050439297681078445 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.04387521596916838 | 0.07749762159458881 | 0.03518621059445965 | 0.05358568003177153 | 0.04618532984500718 | 0.00035548402750504586 | 0 | 0 | 0.04174731421383158 S-Total | 0.1119740276015922 | 0.23429752566597528 | 0.23084334210954938 | 0.24189617976151437 | 0.27860865605847157 | 0.2852897996688838 | - | 0 | 0.2296819419802286 (2) Commerce de détail Produits pétroliers | 0.005357717004394335 | 0.0035859710338804825 | 0.005542977944435095 | 0.002231316402787758 | 0.004822779125863306 | 0.0052691147608555184 | 0 | 0 | 0.004072513786914003 Produits pharmaceutiques | 0 | 0 | 0.0001708896815579298 | 0 | 0.00011142970708083065 | 0.0018787614001937907 | 0 | 0 | 0.0002203239984038572 Véhicules automobiles | 0.0010097033063787867 | 0 | 0.002479640287526655 | 0.02311716269178096 | 0.05435985819505546 | 0.03797427093174684 | 0 | 0 | 0.028713451874452203 Produits alimentaires | 0.004941779242519191 | 0 | 0.03593772959646378 | 0.013764562995308994 | 0.03173090809495649 | 0.009617996573172853 | 0 | 0 | 0.01947924071233688 Librairie ,papeterie | 6.956432715232111e-06 | 0 | 0 | 0.0005923778671283163 | 0.0023247658817018074 | 0 | 0 | 0 | 0.0009495214160981451 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.004092714016382753 | 0.007033742261845148 | 0.03838522573900118 | 0.04493471783879612 | 0 | 0 | 0.019226140093622855 Matériaux de construction | 0.0024932334336527206 | 0 | 0.0017468982587784863 | 0.002049205536955967 | 0.025660335040589254 | 1.3800891774195328e-06 | 0 | 0 | 0.009662355438597722 Autres | 0.018849676739191152 | 0.30814170787093637 | 0.02904371639665514 | 0.08666771419248394 | 0.03082651926217373 | 0.008640869776888212 | 0 | 0 | 0.044765299695072716 S-Total | 0.03265906615885142 | 0.31172767890481684 | 0.07901456618179985 | 0.13545608194829106 | 0.18822182104642204 | 0.10831711137083076 | - | 0 | 0.12708884701549839 [Secteur d'activitésept. 22 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2022 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3710202.7199999997 | 799898.30636 | 5026796.722478919 | 19168380.649007753 | 26375643.985369995 | 6022327 | 0 | 48333.3335 | 0 | 61151582.71671666 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6152161.16 | 20255.301209999998 | 1741406.0940930212 | 2757337.0629621623 | 5386152.98439 | 3603540 | 154457.270918126 | 2065.7174849999997 | 0 | 19817375.59105831 Industries Manufacturières ( 200 à 290 ) | 2709363.6399999997 | 1228.53306 | 3472554.0320823933 | 10932160.635293925 | 14506446.132309997 | 2753967 | 4176.8799 | 48333.3335 | 0 | 34428230.18614631 Prêts aux Particuliers ( 1560 ) | 3831803.76 | 27587.67246 | 462255.526147657 | 4043776.936708953 | 1866495.8672 | 329014 | 52159.981497337 | 0 | 0 | 10613093.744013947 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5592675.130000001 | 258851.54603 | 2030519.3391657358 | 7173421.20636677 | 5869127.74209 | 1701002 | 5068264.409629928 | 0 | 0 | 27693861.373282433 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1169173.79 | 135606.32291 | 2028234.7769592467 | 390734.814050141 | 990279.52559 | 52738 | 0 | 0 | 0 | 4766767.229509387 Bâtiments et Travaux Publics ( 600 ) | 763935.74 | 104044.71417 | 415299.0154358609 | 6019639.135975246 | 1339885.13974 | 599148 | 0 | 1112.3094149999997 | 0 | 9243064.054736108 Électricité, Gaz et Eau ( 300 à 500 ) | 1723199.84 | 0 | 18238.865404186 | 310475.280611275 | 155373.18006 | 154672 | 0 | 0 | 0 | 2361959.166075461 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 755.6581600000001 | 121498.235256976 | 1121.47878 | 10000 | 0 |

0 | 0 | 0 | 133375.372196976 Total | 25652515.779999997 | 1348228.0543600004 | 15316802.607023995 | 50797047.199756235 | 56499404.55674999 | 15216408 | 5279058.541945391 | 99844.6939 | 0 | 170209309.4337356 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.14463309376044364 | 0.5932959960098956 | 0.3281883857518491 | 0.3773522617098054 | 0.46683047710489356 | 0.395778491218164 | 0 | 0.48408514876522646 | #DIV/0! | 0.35927284424195177 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.23982681514600362 | 0.015023646143912297 | 0.113692533537936 | 0.05428144380359562 | 0.09533114599429023 | 0.23681935973325635 | 0.029258487984337982 | 0.020689306605205585 | #DIV/0! | 0.11642944593916843 Industries Manufacturières ( 200 à 290 ) | 0.10561785297145619 | 0.0009112205134933056 | 0.22671533486303114 | 0.2152125219464801 | 0.2567539648623945 | 0.18098666912716851 | 0.0007912168176980992 | 0.48408514876522646 | #DIV/0! | 0.20226995985521937 Prêts aux Particuliers ( 1560 ) | 0.14937341011159103 | 0.020462170602951725 | 0.030179635920598427 | 0.07960653541153782 | 0.03303567324015293 | 0.02162231717235763 | 0.009880546139599254 | 0 | #DIV/0! | 0.06235319195713994 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.2180166334547325 | 0.19199388797236977 | 0.13256809474286613 | 0.14121728725998062 | 0.10387946188344058 | 0.11178735480804668 | 0.9600697490583646 | 0 | #DIV/0! | 0.16270473962567814 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.0455773538949169 | 0.10058114609873764 | 0.13241894075393626 | 0.007692077307438769 | 0.017527255965951435 | 0.0034658639542262536 | 0 | 0 | #DIV/0! | 0.02800532617967728 Bâtiments et Travaux Publics ( 600 ) | 0.02978014891606082 | 0.07717145021091383 | 0.027113949698967372 | 0.11850372153135967 | 0.023715031162747428 | 0.039375127165359916 | 0 | 0.011140395864341467 | #DIV/0! | 0.0543041040791869 Électricité, Gaz et Eau ( 300 à 500 ) | 0.06717469174479541 | 0 | 0.0011907749856240886 | 0.006112073392580286 | 0.002749996770389637 | 0.010164816821420666 | 0 | 0 | #DIV/0! | 0.013876791897772186 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0.0005604824477255879 | 0.007932349745191546 | 2.207763722150727e-05 | 0.00017699301573976143 | 0 | 0 | 0 | #DIV/0! | 0.0007835962242059418 Total | 1.0000000000000002 | 0.9999999999999998 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1 | 1 | 1 | #DIV/0! | 0.9999999999999999 [Secteur d' activitéjuin 22] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2022 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 123678.534959365 | 10406.40085506 | 10000 | 0 | 0 | 0 | 0 | 144084.935814425 200 | Industrie alimentaire | 2316524.36 | 755.6581600000001 | 964511.534122915 | 1822577.2443266704 | 5122371.940179999 | 917471 | 5012.76662 | 29000.000099999997 | 0 | 11178224.503509585 210 | Industrie des boissons | 765117.1 | 0 | 1490520.7878341351 | 2840947.1263840157 | 2582113.2070900006 | 110035 | 0 | 0 | 0 | 7788733.221308151 220 | Industrie du bois | 272.15 | 0 | 643.7551 | 0 | 0 | 10045 | 0 | 0 | 0 | 10960.9051 230 | Industrie chimique | 144.4 | 0 | 9367.90409 | 343491.977495055 | 114351.75343000001 | 75128 | 0 | 29000.000099999997 | 0 | 571484.0351150549 240 | Industrie du textile | 0 | 0 | 497850.887540235 | 1894960.1512439852 | 1

09860.10552 | 209456 | 0 | 0 | 0 | 2712127.1443042206 250 | Industrie pharmacie | 0 | 0 | 72072.79023 | 24999.99994 | 149007.27638 | 93309 | 0 | 0 | 0 | 339389.06655 260 | Imprimerie, édition | 64465.56 | 0 | 541.3238534650001 | 152104.98329189 | 142788.08028999998 | 56647 | 0 | 0 | 0 | 416546.947435355 270 | Sidérurgie, aciérie | 0 | 0 | 45608.872202750004 | 591996.123159555 | 0 | 613874 | 0 | 0 | 0 | 1251478.995362305 280 | Industrie de la fabrication | 1267.04 | 1374.87208 | 210687.39639683 | 2978831.1095886216 | 1171727.82893 | 69845 | 0 | 0 | 0 | 4433733.246995452 290 | Autres industries | 0 | 0 | 16792.453747080002 | 12289.479868935001 | 3363823.28124 | 167360 | 0 | 0 | 0 | 3560265.214856015 300 | Production et distribution de l'électricité | 1696853.76 | 0 | 11208.392380000001 | 132443.29777303 | 0 | 7012 | 0 | 0 | 0 | 1847517.45015303 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 158869.46036000003 | 81254 | 0 | 0 | 0 | 240123.46036000003 500 | Traitement et distribution de l'eau | 0 | 0 | 474411.8725155251 | 189024.10429075998 | 10978.32858 | 5284 | 0 | 0 | 0 | 679698.3053862851 600 | Entrep/ batiment et corps/ métiers corresp. | 787695.19 | 102941.07917 | 1072816.36121677 | 6338955.723570005 | 1456127.28192 | 572306 | 0 | 44488.72627 | 0 | 10375330.362146774 700 | Commerce de gros(1) | 2484769.01 | 343503.9883 | 4835778.577028035 | 10744713.173112402 | 12805313.76838 | 4667658 | 0 | 38666.6668 | 0 | 35920403.18362044 800 | Commerce de détail(2) | 844629.099839005 | 450726.76094999997 | 1293688.917585395 | 7274705.717091341 | 9532287.734170005 | 1424035 | 0 | 0 | 0 | 20820073.229635745 900 | Rest/débits/boissons, casinos/activités/loterie | 30415.03 | 0 | 1225.28006139 | 169.91044 | 7163.93113 | 7705 | 0 | 0 | 0 | 46679.15163139 1000 | Hotels,motels et pensions | 2204521.71 | 0 | 61549.904181980004 | 350556.739826155 | 1172259.551 | 131272 | 155850.25830619 | 0 | 0 | 4076010.163314325 1100 | Transport | 1017183.75 | 132174.76106 | 377582.96765133995 | 318594.43108773505 | 866702.36626 | 42652 | 0 | 0 | 0 | 2754890.2760590753 1200 | Immobilier résidentiel / Avance Hypothécaire | 2385872.99 | 212798.16577000002 | 1821417.8711438156 | 544358.1167670705 | 3211002.08529 | 1410094 | 3821887.695541501 | 0 | 0 | 13407430.924512386 1300 | Immobilier commercial | 2997262.26 | 48308.55951 | 1883385.873864815 | 6613704.123910519 | 1881599.36308 | 153232 | 1114917.8123927703 | 0 | 0 | 14692409.992758103 1400 | Télécommunications | 992957.55 | 0 | 6546.534714920001 | 33967.290054130004 | 49910.788199999995 | 27793 | 0 | 0 | 0 | 1111175.16296905 1500 | Services financiers | 253581.8 | 6296.42604 | 235991.549525195 | 1028315.4217399851 | 1762751.1748199998 | 2440701 | 0 | 0 | 0 | 5727637.37212518 1510 | Services professionnels | 565313.93 | 6881.17737 | 211068.016289115 | 197110.16386231504 | 234534.75176 | 720415 | 0 | 38133.19395 | 0 | 1973456.2332314302 1520 | Services médicaux | 8790.74 | 0 | 24589.621853255 | 2237.55647 | 27308.8769 | 40324 | 0 | 0 | 0 | 103250.795223255 1530 | Services d'agence ou de représentation | 0 | 775.39098 | 18107.882239060003 | 15831.022453674997 | 61188.13577 | 560 | 0 | 0 | 0 | 96462.431442735 1540 | Services d'enseignement | 432172.94 | 0 | 5899.79102826 | 55308.281787709995 | 78453.67278000001 | 1625 | 0 | 0 | 0 | 573459.68559597 1550 | Autres services | 3180476.07 | 12106.509269999999 | 618442.258346245 | 786318.1931080807 | 1796211.95981 | 236667 | 0 | 44488.72627 | 0 | 6674710.716804326 1560 | Crédit à la consommation | 3781417.83 | 27047.5888 | 755470.6479719443 | 3972103.01756411 | 1986958.99277 | 343333 | 53157.280887469984 | 0 | 0 | 10919488.357993523 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 26811704.269839004 | 1345690.93746 | 17141458.559673835 |

49271020.88106281 | 49865665.696040004 | 14637092 | 5150825.813747931 | 223777.31348999997 | 0 | 164447235.47131357 (1) Commerce de gros Import-export | 892188.27 | 39262.27523 | 876633.150597345 | 1450056.931250385 | 2793742.6629500003 | 275434 | 0 | 6327317.29002773 Produits pétroliers | 0 | 0 | 1163097.035571375 | 3739987.2857168205 | 584141.4878400001 | 2619688 | 0 | 8106913.809128195 Produits pharmaceutiques | 0 | 0 | 23389.81335196 | 158295.085038275 | 83264.23720999999 | 28020 | 0 | 292969.13560023496 Produits alimentaires | 300174.36 | 13590.12827 | 1296339.82713535 | 2532550.66558885 | 2895900.7011700002 | 1205242 | 0 | 8243797.682164201 Matériaux de construction | 134026.3 | 183996.38875 | 998246.984811775 | 212248.31085738004 | 4764417.23571 | 537529 | 0 | 6830464.220129155 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 3.5617760150000004 | 0 | 0 | 0 | 0 | 3.5617760150000004 Autres | 1158380.0799999998 | 106655.19605 | 478068.20378421503 | 2651574.894660695 | 1683847.4434999991 | 1745 | 0 | 0 | 6080270.817994909 S-Total | 2484769.01 | 343503.98829999997 | 4835778.577028035 | 10744713.173112405 | 12805313.76838 | 4667658 | 0 | 0 | 0 | 35881736.51682044 (2) Commerce de détail Produits pétroliers | 169695.16 | 4773.446599999999 | 84835.70311 | 144629.63805 | 170276.88470999998 | 72034 | 646244.83247 Produits pharmaceutiques | 0 | 0 | 2868.62576 | 198.72929000000002 | 5958.10948 | 3864 | 0 | 12889.464530000001 Véhicules automobiles | 26165.79 | 0 | 50906.57321055 | 1318672.13273302 | 3079573.56888 | 611541 | 0 | 5086859.06482357 Produits alimentaires | 110435.17 | 0 | 695524.8375118399 | 619257.1314157802 | 1865313.5693299994 | 143732 | 0 | 3434262.7082576193 Librairie ,papeterie | 228.46 | 0 | 0 | 33192.493649590004 | 156066.39927000002 | 0 | 0 | 189487.35291959002 Appareils électro- ménagers électroni.équip. inform. | 2390.39 | 0 | 55835.00815596001 | 286959.332168355 | 1743544.7843 | 456716 | 0 | 2545445.514624315 Matériaux de construction | 64484.399999999994 | 0 | 27269.972094324996 | 93085.18054041 | 1144914.36626 | 19 | 0 | 1329772.9188947352 Autres | 479918.29806 | 445953.31435 | 376448.19774271996 | 4778711.079244199 | 1366640.05194 | 136128 | 0 | 0 | 7583798.941336919 S-Total | 853317.66806 | 450726.76095 | 1293688.9175853948 | 7274705.717091354 | 9532287.73417 | 1424034 | 0 | 0 | 0 | 20828760.797856748 [Secteur d'activitésjuin 22% ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2022 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.007215169848517158 | 0.00021120733179408652 | 0.000200538784761358 | 0 | 0 | 0 | 0.0008761773063649914 200 | Industrie alimentaire | 0.08639974306317791 | 0.0005615391610099638 | 0.05626776337411439 | 0.03699085612060401 | 0.10272342439793766 | 0.06268123476985729 | 0.0009731966875332027 | 0.1295931193726478 | 0.06797453585323136 210 | Industrie des boissons | 0.02853668279717283 | 0 | 0.08695414002520545 | 0.057659595347981235 | 0.05178138446660815 | 0.007517545151728226 | 0 | 0 | 0.04736311436908789 220 | Industrie du bois | 1.015041778997043e-05 | 0 | 3.755544475745297e-05 | 0 | 0 | 0.0006862701962930888 | 0 | 0 | 6.665302136935003e-05 230 | Industrie chimique | 5.385707620326035e-06 | 0 | 0.0005465056580446706 | 0.006971480828948589 | 0.0022931961668182653 | 0.

005132713519871297 | 0 | 0.1295931193726478 | 0.003475181771692024 240 | Industrie du textile | 0 | 0 | 0.029043671272610073 | 0.03845993278317292 | 0.002203121205473536 | 0.01430994626528275 | 0 | 0 | 0.016492385150356195 250 | Industrie pharmacie | 0 | 0 | 0.0042045891240290924 | 0.0005073976445576082 | 0.0029881738125845003 | 0.006374831831350107 | 0 | 0 | 0.0020638174036632165 260 | Imprimerie, édition | 0.002404381286292141 | 0 | 3.157980119255968e-05 | 0.003087108417320234 | 0.002863454809976381 | 0.0038700993339387357 | 0 | 0 | 0.0025330127699715456 270 | Sidérurgie, aciérie | 0 | 0 | 0.0026607346185841636 | 0.012015097567971991 | 0 | 0.04193961478140603 | 0 | 0 | 0.007610216077974841 280 | Industrie de la fabrication | 4.7256973568268e-05 | 0.001021684877060315 | 0.01229110088055651 | 0.0604580756867071 | 0.02349768748846866 | 0.0047717811707407454 | 0 | 0 | 0.026961433764989495 290 | Autres industries | 0 | 0 | 0.000979639724858952 | 0.00024942612613205323 | 0.06745770329718334 | 0.011433965161932439 | 0 | 0 | 0.021649893989717287 300 | Production et distribution de l'électricité | 0.0632877993477208 | 0 | 0.0006538762346845048 | 0.0026880566995504296 | 0 | 0.00047905690556566835 | 0 | 0 | 0.01123471273237253 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.0031859488516287142 | 0.005551239276216888 | 0 | 0 | 0.0014601854489787853 500 | Traitement et distribution de l'eau | 0 | 0 | 0.02767628383920628 | 0.0038364154204771285 | 0.0002201580672144085 | 0.00036100066871206385 | 0 | 0 | 0.00413323035463769 600 | Entrep/ batiment et corps/ métiers corresp. | 0.029378781075326616 | 0.07649682130155526 | 0.06258606042665621 | 0.1286548484325472 | 0.029200999557409613 | 0.03909970641709432 | 0 | 0.1988080273918745 | 0.06309215434610735 700 | Commerce de gros(1) | 0.09267478803259678 | 0.2552621695947258 | 0.28211009933568043 | 0.21807368674275032 | 0.2567962061598811 | 0.318892441203485 | 0 | 0.1727908258301971 | 0.21843117691015518 800 | Commerce de détail(2) | 0.031502253319612525 | 0.33494077161636354 | 0.07547134411472224 | 0.14764674218242868 | 0.19115933982060515 | 0.09728947525915667 | 0 | 0 | 0.12660640460123535 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0011343937593036354 | 0 | 7.148050191437818e-05 | 3.4484862899462394e-06 | 0.00014366460429242624 | 0.0005264023755538326 | 0 | 0 | 0.00028385488815062986 1000 | Hotels,motels et pensions | 0.08222236407701648 | 0 | 0.0035907040213473624 | 0.007114866579939093 | 0.023508350578243516 | 0.008968448104309244 | 0.030257334249241014 | 0 | 0.024786127608848435 1100 | Transport | 0.037938048986473766 | 0.09822074101909364 | 0.022027470202542938 | 0.006466162571642309 | 0.01738074392795738 | 0.0029139667906712616 | 0 | 0 | 0.016752426808291605 1200 | Immobilier résidentiel | 0.08898624891532592 | 0.1581330154245208 | 0.1062580447750692 | 0.011048241076252859 | 0.0643930456050243 | 0.09633703197329087 | 0.7419951350986482 | 0 | 0.08153029077129849 1300 | Immobilier commercial | 0.11178932267172875 | 0.035898703160758966 | 0.10987313986778101 | 0.13423111609308017 | 0.03773336496798085 | 0.010468746114323801 | 0.21645418670865807 | 0 | 0.08934422005118517 1400 | Télécommunications | 0.0370344809120171 | 0 | 0.0003819123496480668 | 0.000689396920273378 | 0.0010009048812109527 | 0.0018988061289769854 | 0 | 0 | 0.006757031577845437 1500 | Services financiers | 0.009457876957312967 | 0.0046789540337431 | 0.01376729691371639 | 0.0208705929642147 | 0.03534999784350589 | 0.16674767091714665 | 0 | 0 | 0.03482963611829351 1510 | Services professionnels | 0.021084595157046113 | 0.005113490162152883 | 0.012313305519150127 | 0.004000529324085384 | 0.004703331410225718 | 0.04921845131532958 | 0 | 0.1704068806407584 | 0.012000543685489216 1520 | Services médicaux | 0.0003278694972735795 | 0 | 0.0014345116413315817 | 4.541323540669722e-05 | 0.0005476488986723521 | 0.0027549188049101558 | 0 | 0 | 0.0006278658010110863 1530 | Services d'agence ou de représentation |

0 | 0.0005762028697789668 | 0.001056379314281909 | 0.0003213049409284639 | 0.001227059438912878 | 3.8258965647001467e-05 | 0 | 0 | 0.0005865859110751793 1540 | Services d'enseignement | 0.016118816456071373 | 0 | 0.0003441825564447335 | 0.0011225316788385765 | 0.0015733004199366433 | 0.00011101931995781675 | 0 | 0 | 0.003487195658549123 1550 | Autres services | 0.11862267455999721 | 0.008996500558182484 | 0.036078741852292685 | 0.01595904000053508 | 0.03602101635941146 | 0.01616899039781946 | 0 | 0.1988080273918745 | 0.040588768170375676 1560 | Crédit à la consommation | 0.14103608602955497 | 0.020099406221054363 | 0.044072716761059526 | 0.08061742879556971 | 0.03984623417807477 | 0.02345636687943206 | 0.010320147255919489 | 0 | 0.0664011670776815 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 (1) Commerce de gros Import-export | 0.03327607454643007 | 0.02917629459860062 | 0.051141106081816726 | 0.02943021892626768 | 0.056025375856395325 | 0.018817535614314648 | 0 | 0 | 0.03847627642929563 Produits pétroliers | 0 | 0 | 0.06785286278424525 | 0.07590642976010012 | 0.01171430241001252 | 0.17897598785332497 | 0 | 0 | 0.04929796348289709 Produits pharmaceutiques | 0 | 0 | 0.0013645171016535165 | 0.003212742139449262 | 0.0016697708944174844 | 0.0019143146739803235 | 0 | 0 | 0.0017815388307414932 Produits alimentaires | 0.011195646385585113 | 0.010098996650487557 | 0.07562599312202384 | 0.0514004098210644 | 0.05807404074021964 | 0.08234162906129168 | 0 | 0 | 0.05013035128585218 Matériaux de construction | 0.004998798235693235 | 0.1367300496927581 | 0.058235825226693516 | 0.004307771729953278 | 0.0955450442545352 | 0.03672375633083402 | 0 | 0 | 0.041535901777568475 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 2.077872196581487e-07 | 0 | 0 | 0 | 0 | 0 | 2.165908113196176e-08 Autres | 0.04320426886488837 | 0.0792568286528795 | 0.027889587232027918 | 0.053816114365915664 | 0.033767672004300926 | 0.00011921766973931707 | 0 | 0 | 0.03697399229952735 S-Total | 0.0926747880325968 | 0.2552621695947258 | 0.28211009933568043 | 0.2180736867427504 | 0.2567962061598811 | 0.318892441203485 | - | 0 | 0.21819604576496335 (2) Commerce de détail Produits pétroliers | 0.006329144850030787 | 0.0035472086993540357 | 0.0049491531198856305 | 0.002935389514236512 | 0.003414711953269326 | 0.004921332734671614 | 0 | 0 | 0.003929800526094779 Produits pharmaceutiques | 0 | 0 | 0.00016735015576495866 | 4.033390955704372e-06 | 0.00011948320345943267 | 0.0002639868629643101 | 0 | 0 | 7.838054858786884e-05 Véhicules automobiles | 0.0009759092423466119 | 0 | 0.0029697923915477263 | 0.026763645427932428 | 0.06175739410863935 | 0.041780225197737365 | 0 | 0 | 0.030933077410784018 Produits alimentaires | 0.004118916458594191 | 0 | 0.040575592508101846 | 0.012568384424398846 | 0.03740677163923092 | 0.009819710089955027 | 0 | 0 | 0.020883675535285588 Librairie ,papeterie | 8.520905560524141e-06 | 0 | 0 | 0.0006736717254086256 | 0.0031297366051686697 | 0 | 0 | 0 | 0.001152268400113327 Appareils électro- ménagers électroni.équip. inform. | 8.915472048858136e-05 | 0 | 0.0032573078866996036 | 0.005824099583019744 | 0.034964835222052605 | 0.031202645990064146 | 0 | 0 | 0.015478797848616594 Matériaux de construction | 0.002405083964488588 | 0 | 0.0015908781624032282 | 0.001889248058511145 | 0.022959973566560075 | 1.2980720487375499e-06 | 0 | 0 | 0.008086319694481595 Autres | 0.017899581959803623 | 0.3313935629170095 | 0.021961269890319237 | 0.09698827005796594 | 0.027406433522224678 | 0.009300207992133956 | 0 | 0 | 0.046116913547384314 S-Total | 0.031826312101312905 | 0.33494077161636354 | 0.07547134411472223 | 0.14764674218242893 | 0.19115933982060507 | 0.09728940693957516 | - | 0 | 0.126659233511348

08 [Secteur d'activitéjuin 22 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2022 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3329398.109839005 | 794230.74925 | 6129467.49461343 | 18019418.890203744 | 22337601.502550006 | 6091693 | 0 | 38666.6668 | 0 | 56740476.41325618 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6675272.22 | 26059.50366 | 1176874.3035245002 | 2435847.289687921 | 5139872.05397 | 3579269 | 155850.25830619 | 82621.92022 | 0 | 19271666.54936861 Industries Manufacturières ( 200 à 290 ) | 3147790.61 | 2130.53024 | 3308597.70511741 | 10662198.195298728 | 12756043.473059999 | 2323170 | 5012.76662 | 58000.000199999995 | 0 | 32262943.280536138 Prêts aux Particuliers ( 1560 ) | 3781417.83 | 27047.5888 | 755470.6479719443 | 3972103.01756411 | 1986958.99277 | 343333 | 53157.280887469984 | 0 | 0 | 10919488.357993523 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5383135.25 | 261106.72528 | 3704803.7450086307 | 7158062.24067759 | 5092601.44837 | 1563326 | 4936805.507934271 | 0 | 0 | 28099840.917270493 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2010141.3 | 132174.76106 | 384129.5023662599 | 352561.72114186507 | 916613.15446 | 70445 | 0 | 0 | 0 | 3866065.439028125 Bâtiments et Travaux Publics ( 600 ) | 787695.19 | 102941.07917 | 1072816.36121677 | 6338955.723570005 | 1456127.28192 | 572306 | 0 | 44488.72627 | 0 | 10375330.362146774 Électricité, Gaz et Eau ( 300 à 500 ) | 1696853.76 | 0 | 485620.26489552506 | 321467.40206379 | 169847.78894000003 | 93550 | 0 | 0 | 0 | 2767339.215899315 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 123678.534959365 | 10406.40085506 | 10000 | 0 | 0 | 0 | 0 | 144084.935814425 Total | 26811704.269839007 | 1345690.93746 | 17141458.55967384 | 49271020.881062806 | 49865665.696040004 | 14637092 | 5150825.813747931 | 223777.31348999997 | 0 | 164447235.47131357 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.12417704135220929 | 0.5902029412110893 | 0.3575814434504026 | 0.3657204289251791 | 0.44795554598048626 | 0.41618191646264163 | 0 | 0.1727908258301971 | #DIV/0! | 0.3450375815113905 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.24896859046402134 | 0.019365147623857434 | 0.06865660232047915 | 0.049437727210237946 | 0.10307436955320089 | 0.24453416020067373 | 0.030257334249241014 | 0.3692149080326329 | #DIV/0! | 0.11719057784179283 Industries Manufacturières ( 200 à 290 ) | 0.11740360024562142 | 0.0015832240380702787 | 0.19301727992395326 | 0.21639897052339577 | 0.2558081456450505 | 0.1587180021824007 | 0.0009731966875332027 | 0.2591862387452956 | #DIV/0! | 0.19619024417205322 Prêts aux Particuliers ( 1560 ) | 0.14103608602955495 | 0.020099406221054363 | 0.04407271676105952 | 0.08061742879556973 | 0.03984623417807477 | 0.02345636687943206 | 0.010320147255919489 | 0 | #DIV/0! | 0.0664011670776815 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.20077557158705464 | 0.19403171858527976 | 0.21613118464285017 | 0.14527935716933305 | 0.10212641057300516 | 0.10680577808761467 | 0.9584493218073064 | 0 | #DIV/0! | 0.17087451082248367 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.07497252989849086 | 0.09822074101909364 | 0.022409382552190996 | 0.007155559491915689 | 0.018381648809168333 | 0.004812772919648247 | 0 | 0 | #DIV/0! | 0.023509458386137036 Bâtiments et Travaux Publics ( 600 ) | 0.029378781075326613 | 0.07649682130155526 | 0.0625860604266562 | 0.12865484843254724 | 0.029200999557409613 | 0.03909970641709432 | 0 | 0.1988080273918745 | #DIV/0! | 0.06309215434610735 Électricité, Gaz et Eau ( 300 à 500 ) | 0.0632877993477208 | 0 | 0.028330160073890776 | 0.00652447212002756 | 0.003406106918843123 | 0.00639129685049462 | 0 | 0 | #DIV/0! | 0.016828128535989004 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.0072151698

48517156 | 0.00021120733179408658 | 0.000200538784761358 | 0 | 0 | 0 | #DIV/0! | 0.0008761773063649914 Total | 0.9999999999999999 | 1 | 0.9999999999999998 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1 | 1 | #DIV/0! | 1.0000000000000002 [Secteur d' activitémars 22 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2022 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 115904.67685744 | 17493.15918232 | 10000 | 0 | 0 | 0 | 0 | 143397.83603976 200 | Industrie alimentaire | 1605868.49 | 755.6581600000001 | 992357.2937635999 | 1425543.2072053596 | 4284529.67234 | 871821 | 5943.5138099999995 | 29000.000099999997 | 0 | 9215818.83537896 210 | Industrie des boissons | 765181.12 | 0 | 1403617.1605545601 | 3273172.0407628 | 2416220.00723 | 238303 | 0 | 0 | 0 | 8096493.32854736 220 | Industrie du bois | 54614.82 | 0 | 592.36105744 | 0 | 0 | 4558 | 0 | 0 | 0 | 59765.18105744 230 | Industrie chimique | 167.5 | 0 | 10614.949359999999 | 371559.72717008 | 111177.98531999999 | 70895 | 0 | 29000.000099999997 | 0 | 593415.16195008 240 | Industrie du textile | 926.1 | 0 | 466517.95370952005 | 1721947.5989116 | 93738.60612000001 | 131512 | 0 | 0 | 0 | 2414642.2587411203 250 | Industrie pharmacie | 0 | 0 | 43559.46534 | 37499.999950000005 | 158931.05851 | 38004 | 0 | 0 | 0 | 277994.5238 260 | Imprimerie, édition | 9697.55 | 0 | 490.86500567999997 | 114213.97331304 | 131528.511 | 21240 | 0 | 0 | 0 | 277170.89931872 270 | Sidérurgie, aciérie | 23044.7 | 0 | 62712.703747199994 | 590363.4978812799 | 0 | 625257 | 0 | 0 | 0 | 1301377.9016284798 280 | Industrie de la fabrication | 1471.38 | 1463.65172 | 185432.18689728 | 2326071.67430944 | 740105.1583400001 | 69672 | 0 | 0 | 0 | 3324216.05126672 290 | Autres industries | 0 | 0 | 11855.68317728 | 9869.48194224 | 2608620.36303 | 211776 | 0 | 0 | 0 | 2842121.52814952 300 | Production et distribution de l'électricité | 1532976.01 | 0 | 333373.89535 | 393121.56418352004 | 0 | 3793 | 0 | 0 | 0 | 2263264.4695335203 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 82464.18302 | 179312 | 0 | 0 | 0 | 261776.18302 500 | Traitement et distribution de l'eau | 0 | 0 | 479629.18235464 | 184159.85203367998 | 30696.79721 | 12649 | 0 | 0 | 0 | 707134.8315983199 600 | Entrep/ batiment et corps/ métiers corresp. | 878106.22 | 96130.2805 | 944231.67417928 | 5519998.864267601 | 1380098.3306300002 | 534430 | 0 | 42159.9734441424 | 0 | 9395155.343021024 700 | Commerce de gros(1) | 3068985.4299999997 | 318021.94368 | 4418960.48127512 | 10092358.923678879 | 12167989.0131 | 3432976 | 0 | 38666.666800000006 | 0 | 33537958.458533995 800 | Commerce de détail(2) | 737354.96 | 433318.83444999997 | 933224.2341565599 | 7191232.00337737 | 8951983.784030002 | 1265434 | 0 | 0 | 0 | 19512547.816013932 900 | Rest/débits/boissons, casinos/activités/loterie | 24795.75 | 0 | 1285.90793664 | 427.06474 | 8968.365730000001 | 10127 | 0 | 0 | 0 | 45604.08840664 1000 | Hotels,motels et pensions | 2192040.36 | 0 | 68970.983322 | 359833.497942 | 1110743.1417999999 | 246616 | 157238.13318696004 | 0 | 0 | 4135442.11625096 1100 | Transport | 920747.52 | 128961.34726000001 | 307927.53131016006 | 281939.45264264 | 823599.00015 | 37138 | 0 | 0 | 0 | 2500312.8513628 1200 | Immobilier résidentiel / Avance Hypothécaire | 2398774.37 | 210405.09181 | 166

2768.3216169602 | 481695.9095548802 | 3138080.48398 | 1331951 | 3655625.7513001584 | 0 | 0 | 12879300.928261999 1300 | Immobilier commercial | 3302473.18 | 48417.51509 | 1687550.5935830404 | 6468829.365071842 | 1659398.7390899998 | 126846 | 1072790.5891846397 | 0 | 0 | 14366305.982019523 1400 | Télécommunications | 1297941.57 | 0 | 7994.835871519999 | 33447.34859616 | 66948.63506 | 29967 | 0 | 0 | 0 | 1436299.3895276801 1500 | Services financiers | 362471.39 | 0 | 244686.33605736 | 1054626.0147484 | 3011320.14783 | 2239715 | 0 | 0 | 0 | 6912818.88863576 1510 | Services professionnels | 513325.09 | 6874.63521 | 238713.90092736 | 179521.71209224008 | 249714.22431000002 | 616085 | 0 | 42159.9734441424 | 0 | 1846394.5359837424 1520 | Services médicaux | 9166.77 | 0 | 22729.691506159998 | 2577.99479 | 28292.02048 | 40331 | 0 | 0 | 0 | 103097.47677616 1530 | Services d'agence ou de représentation | 14.38 | 775.39098 | 20827.09445168 | 16267.045146400002 | 66333.69965 | 183 | 0 | 0 | 0 | 104400.61022808 1540 | Services d'enseignement | 435833.99 | 0 | 4798.82072448 | 30990.765940000005 | 74457.76887 | 1751 | 0 | 0 | 0 | 547832.34553448 1550 | Autres services | 3186191.95 | 11092.08531 | 511858.08744960005 | 594676.2793248259 | 1716546.5301199998 | 344915 | 0 | 36137.120094979204 | 0 | 6401417.0522994045 1560 | Crédit à la consommation | 3762818.8800000004 | 24680.996629999998 | 799997.4923677603 | 4028000.4407075 | 1861537.0582400002 | 315194 | 20972.005570639998 | 0 | 0 | 10813200.873515902 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 27084989.479999993 | 1280897.4307999995 | 15983184.363910321 | 46801438.45946611 | 46984023.285190016 | 13052451 | 4912569.993052398 | 217123.733983264 | 0 | 156316677.74640208 (1) Commerce de gros Import-export | 843081.9400000001 | 38471.60732 | 975704.02633208 | 1295099.45394944 | 2482605.69591 | 261303 | 0 | 5896265.72351152 Produits pétroliers | 532349.13 | 0 | 872375.3303851999 | 3355741.746343599 | 683554.0143200001 | 1449691 | 0 | 6893711.221048799 Produits pharmaceutiques | 0 | 0 | 21206.78418744 | 144640.17159248 | 95857.68712999999 | 11952 | 0 | 273656.64290992 Produits alimentaires | 293742.77 | 8040.253549999999 | 1157187.82677184 | 2635470.901138 | 2651229.68458 | 1135981 | 0 | 7881652.436039841 Matériaux de construction | 123836.72 | 167191.63902 | 850722.4706471201 | 114961.22336096001 | 4483629.58922 | 560830 | 0 | 6301171.642248081 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 2.9706794400000005 | 0 | 0 | 0 | 0 | 2.9706794400000005 Autres | 1275974.87 | 104318.44379 | 541761.0722719999 | 2546445.427294399 | 1771112.34194 | 13177 | 0 | 0 | 6252789.155296399 S-Total | 3068985.43 | 318021.94368 | 4418960.481275121 | 10092358.923678879 | 12167989.013100002 | 3432934 | 0 | 0 | 0 | 33499249.791734003 (2) Commerce de détail Produits pétroliers | 146878.18 | 4773.446599999999 | 83243.4338 | 87599.21272 | 144986.67606 | 50625 | 518105.94918 Produits pharmaceutiques | 0 | 0 | 1004.13114 | 492.85256 | 6080.81138 | 3176 | 0 | 10753.79508 Véhicules automobiles | 26554.24 | 0 | 47313.7431712 | 1353845.89952488 | 2715771.74416 | 564051 | 0 | 4707536.626856079 Produits alimentaires | 99769.96 | 0 | 636568.0090797599 | 561687.7482310398 | 1802195.72278 | 132666 | 0 | 3232887.4400907997 Librairie ,papeterie | 228.45 | 0 | 0 | 32767.336429439998 | 122572.20153 | 114 | 0 | 155681.98795944 Appareils électro- ménagers électroni.équip. inform. | 2998.38 | 0 | 59696.08921056 | 276617.76466384 | 1516975.64813 | 411313 | 0 | 2267600.8820044002 Matériaux de construction | 28217.62 | 0 | 27764.122664159997 | 140465.05538448 | 1102725.83049 | 39 | 0 | 1299211.62853864 Autres | 432708.13999999996 | 428545.38785 | 77634.70509087999 | 4737756.133863685 | 1540675.1495 | 10

3493 | 0 | 0 | 7320812.516304565 S-Total | 737354.97 | 433318.83445 | 933224.2341565599 | 7191232.003377365 | 8951983.78403 | 1265477 | 0 | 0 | 0 | 19512590.826013926 [Secteur d'activitésmars. 22 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 Mars 2022 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.007251663637137929 | 0.0003737739641799795 | 0.000212838307594491 | 0 | 0 | 0 | 0.0009173546809406942 200 | Industrie alimentaire | 0.05928998020050183 | 0.0005899443170309468 | 0.06208758349833722 | 0.030459388730968113 | 0.09119120442992247 | 0.06679366197199285 | 0.00120985834673208 | 0.13356439467937362 | 0.05895608177094257 210 | Industrie des boissons | 0.028251113797368187 | 0 | 0.08781836764167576 | 0.06993742390199471 | 0.051426417711478205 | 0.018257337261790907 | 0 | 0 | 0.05179545423606417 220 | Industrie du bois | 0.00201642389561674 | 0 | 3.7061516901321506e-05 | 0 | 0 | 0.00034920644406173217 | 0 | 0 | 0.0003823340024818024 230 | Industrie chimique | 6.184237218319202e-06 | 0 | 0.0006641323229661494 | 0.007939066391984538 | 0.0023662934237273963 | 0.005431546917893045 | 0 | 0.13356439467937362 | 0.0037962370394846656 240 | Industrie du textile | 3.419237067394277e-05 | 0 | 0.02918804808151418 | 0.03679262124395916 | 0.0019951166282847397 | 0.0100756555224762 | 0 | 0 | 0.01544711858998486 250 | Industrie pharmacie | 0 | 0 | 0.0027253308444815487 | 0.0008012574225144402 | 0.003382661751746943 | 0.002911637055752977 | 0 | 0 | 0.0017784060396357712 260 | Imprimerie, édition | 0.0003580414903672321 | 0 | 3.071133977459225e-05 | 0.0024403945065055786 | 0.0027994305681663394 | 0.0016272805774179885 | 0 | 0 | 0.0017731370914137764 270 | Sidérurgie, aciérie | 0.0008508292025373164 | 0 | 0.003923667669679385 | 0.01261421694105798 | 0 | 0.04790341676057623 | 0 | 0 | 0.008325265866638683 280 | Industrie de la fabrication | 5.4324554974868704e-05 | 0.001142676755222984 | 0.011601704808960459 | 0.04970085858202861 | 0.01575227293430384 | 0.005337848040954147 | 0 | 0 | 0.02126590776615474 290 | Autres industries | 0 | 0 | 0.000741759771228684 | 0.0002108798846169607 | 0.05552143432238319 | 0.016224998661170994 | 0 | 0 | 0.018181818914808256 300 | Production et distribution de l'électricité | 0.05659873012437295 | 0 | 0.02085778952176457 | 0.008399775244600562 | 0 | 0.0002905967622479487 | 0 | 0 | 0.014478713993687173 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.0017551537151139162 | 0.013737802961298227 | 0 | 0 | 0.0016746529339926766 500 | Traitement et distribution de l'eau | 0 | 0 | 0.030008362003108226 | 0.003934918628477147 | 0.0006533454366747693 | 0.0009690900199510422 | 0 | 0 | 0.004523732475593737 600 | Entrep/ batiment et corps/ métiers corresp. | 0.03242040099917366 | 0.07504916333539735 | 0.05907656776526549 | 0.11794506848434527 | 0.02937377930052715 | 0.040944800329072294 | 0 | 0.1941748728740641 | 0.06010334583916316 700 | Commerce de gros(1) | 0.11330945623095735 | 0.24828056957017683 | 0.27647559964665336 | 0.21564206690825735 | 0.25898141883765646 | 0.2630138967769348 | 0 | 0.17808585957249817 | 0.21455137699986035 800 | Commerce de détail(2) | 0.027223749174592634 | 0.33829315605650456 | 0.058387878967582935 | 0.15365408073099224 | 0.1905325078206273 | 0.09694991385142913 | 0 | 0 | 0.124827037634908

09 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0009154794030217214 | 0 | 8.0453801155141e-05 | 9.125034487345366e-06 | 0.0001908811783861632 | 0.0007758696048734448 | 0 | 0 | 0.00029174166866970574 1000 | Hotels,motels et pensions | 0.08093192584101386 | 0 | 0.004315221657439863 | 0.007688513639461004 | 0.02364086904728997 | 0.01889422913750069 | 0.032007306442317175 | 0 | 0.026455539970981407 1100 | Transport | 0.033994752727517036 | 0.10068046368041794 | 0.019265718538882256 | 0.006024162118154183 | 0.017529341732844095 | 0.002845289363660511 | 0 | 0 | 0.01599517650585655 1200 | Immobilier résidentiel | 0.08856471484957729 | 0.16426380969363724 | 0.10403235574079059 | 0.010292331291741567 | 0.06679037393056045 | 0.10204604483862839 | 0.7441371332052524 | 0 | 0.08239236602223936 1300 | Immobilier commercial | 0.12193001523735504 | 0.037799681633962114 | 0.10558287730156529 | 0.13821860135077643 | 0.03531836192523479 | 0.009718174770393698 | 0.21837665228217285 | 0 | 0.09190513890863568 1400 | Télécommunications | 0.04792106605610542 | 0 | 0.000500202943887212 | 0.000714664969648917 | 0.0014249234181931605 | 0.002295890633874052 | 0 | 0 | 0.009188395059533174 1500 | Services financiers | 0.01338274066038146 | 0 | 0.015308985399045785 | 0.022534051291218174 | 0.06409242838893296 | 0.1715934424883112 | 0 | 0 | 0.04422316919919872 1510 | Services professionnels | 0.01895238284582122 | 0.005367045826383122 | 0.01493531548483985 | 0.003835816120218626 | 0.0053148752884411505 | 0.04720071349051607 | 0 | 0.1941748728740641 | 0.01181188445534399 1520 | Services médicaux | 0.0003384446579449069 | 0 | 0.001422100314220434 | 5.508366569187303e-05 | 0.0006021625757391878 | 0.003089917748015296 | 0 | 0 | 0.0006595423998418042 1530 | Services d'agence ou de représentation | 5.309213802951052e-07 | 0.0006053497816103202 | 0.001303062892692843 | 0.00034757575155491425 | 0.0014118352369987279 | 1.4020355257414872e-05 | 0 | 0 | 0.0006678788964377345 1540 | Services d'enseignement | 0.016091347952039158 | 0 | 0.0003002418426277827 | 0.0006621755005851061 | 0.0015847465513552576 | 0.0001341510494848822 | 0 | 0 | 0.0035046314534860263 1550 | Autres services | 0.1176368169665614 | 0.008659620234441652 | 0.03202478778918201 | 0.012706367558336148 | 0.03653468583779367 | 0.02642530510170082 | 0 | 0.16643560532062637 | 0.040951593550911075 1560 | Crédit à la consommation | 0.13892635560292643 | 0.01926851911521533 | 0.05005244725663911 | 0.08606574014164287 | 0.03962063970002291 | 0.024148261502762967 | 0.004269049723525499 | 0 | 0.06917496603310959 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1.0000000000000002 | 1.0000000000000004 | 1 | 0.9999999999999998 | 0.9999999999999996 | 0.9999999999999998 | 1 | 1 | 1 (1) Commerce de gros Import-export | 0.03205059477176799 | 0.02516531372643384 | 0.05854060207542879 | 0.05401817894166574 | 0.050654800406566204 | 0.0177728247754266 | 0 | 0 | 0.04512582928669867 Produits pétroliers | 0.005704118282424044 | 0 | 0.0536872708541212 | 0.024958685852845403 | 0.008653521436004381 | 0.10429129425430402 | 0 | 0 | 0.026074385680376875 Produits pharmaceutiques | 0 | 0 | 0.0020896687300818663 | 0.002867790164056127 | 0.0018408845037124226 | 0.0006178802711200772 | 0 | 0 | 0.0017438574688723486 Produits alimentaires | 0.008802738036534618 | 0.01099419401860345 | 0.03827860364230004 | 0.06447943736041092 | 0.05042874827355871 | 0.08489643045259955 | 0 | 0 | 0.049158191134961796 Matériaux de construction | 0.005435217872689086 | 0.15320359396976113 | 0.0778519246404118 | 0.016169910332247222 | 0.11933753858847328 | 0.03760066525479155 | 0 | 0 | 0.05833401357954576 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.044852088665899396 | 0.08417694729947006 | 0.02859752179643176 | 0.064363

41695359397 | 0.04765560611667916 | 0.0007802317660159508 | 0 | 0 | 0.044832690568225524 S-Total | 0.09684475762931513 | 0.2735400490142685 | 0.25904559173877545 | 0.22685741960481937 | 0.2785710993249942 | 0.24595932677425775 | - | 0 | 0.225268967718681 (2) Commerce de détail Produits pétroliers | 0.004189111827389048 | 0 | 0.004014391855429044 | 0.0011665486617489463 | 0.0017348770463548853 | 0.004448076738703526 | 0 | 0 | 0.002291940959462693 Produits pharmaceutiques | 0 | 0 | 0.00013860448825868255 | 4.228813123875291e-06 | 0.0001091382580419256 | 0.00019854111903084464 | 0 | 0 | 7.016561637524103e-05 Véhicules automobiles | 0.0010064040855946022 | 0 | 0.003808062353415466 | 0.02559117767420288 | 0.05770788887857303 | 0.04173572831133583 | 0 | 0 | 0.03146258750817694 Produits alimentaires | 0.006525995144565175 | 0 | 0.034025197999337335 | 0.014864306215874888 | 0.036932592501709056 | 0.015352075431168273 | 0 | 0 | 0.022564783579663145 Librairie ,papeterie | 7.397338625677486e-06 | 0 | 0 | 0.0007387266836909887 | 0.002278344910867879 | 7.674797940532204e-07 | 0 | 0 | 0.0009903520984834685 Appareils électro- ménagers électroni.équip. inform. | 0.00018845699482760589 | 0 | 0.004334787407877403 | 0.006619318682956672 | 0.0439714097720231 | 0.04527109446418837 | 0 | 0 | 0.021427657112564898 Matériaux de construction | 0.0034380268119164554 | 0 | 0.0013937354877970889 | 0.00246486645863814 | 0.029527983399700867 | 6.700688971156962e-05 | 0 | 0 | 0.01129155070324652 Autres | 0.03041785394158875 | 0.3498907757718453 | 0.030446787818713128 | 0.07064173196225626 | 0.03125167082124464 | 0.010573392011949513 | 0 | 0 | 0.04263643786962351 S-Total | 0.04577324614450731 | 0.3498907757718453 | 0.07816156741082815 | 0.12209090515249266 | 0.2035139055885154 | 0.11764668244588197 | - | 0 | 0.1327354754475964 [Secteur d'activitémars 22 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31MARS 2022 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3806340.3899999997 | 751340.77813 | 5352184.71543168 | 17283590.92705625 | 21119972.797130004 | 4698410 | 0 | 38666.666800000006 | 0 | 53050506.27454793 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6723839.68 | 18742.1115 | 1113870.8223752799 | 2238920.374723866 | 6266375.89879 | 3499723 | 157238.13318696004 | 78297.0935391216 | 0 | 20097007.114115227 Industries Manufacturières ( 200 à 290 ) | 2460971.6599999997 | 2219.3098800000002 | 3177750.6226125597 | 9870241.20144584 | 10544851.36189 | 2283038 | 5943.5138099999995 | 58000.000199999995 | 0 | 28403015.669838402 Prêts aux Particuliers ( 1560 ) | 3762818.8800000004 | 24680.996629999998 | 799997.4923677603 | 4028000.4407075 | 1861537.0582400002 | 315194 | 20972.005570639998 | 0 | 0 | 10813200.873515902 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5701247.550000001 | 258822.6069 | 3350318.9152000006 | 6950525.274626723 | 4797479.223069999 | 1458797 | 4728416.340484798 | 0 | 0 | 27245606.910281524 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2218689.09 | 128961.34726000001 | 315922.36718168005 | 315386.8012388 | 890547.63521 | 67105 | 0 | 0 | 0 | 3936612.24089048 Bâtiments et Travaux Publics ( 600 ) | 878106.22 | 96130.2805 | 944231.67417928 | 5519998.864267601 | 1380098.3306300002 | 534430 | 0 | 42159.9734441424 | 0 | 9395155.343021024 Électricité, Gaz et Eau ( 300 à 500 ) | 1532976.01 | 0 | 813003.07770464 | 577281.4162172 | 113160.98023 | 195754 | 0 | 0 | 0 | 3232175.4841518397 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 115904.67685744 | 17493.15918232 | 10000 | 0 | 0 | 0 | 0 | 143397.83603976 Total | 27084989.480000004 | 1280897.4307999997 | 15983184.36391032 | 46801438.4594661 | 46984023.28519 | 13052451 | 4912569.993052398 | 217123.733983264 | 0 | 156316677.74640208 Regroupement des Secteurs d'activités Commerce de Gros et Détail

(700 ; 800 ) | 0.14053320540554992 | 0.5865737256266813 | 0.3348634786142363 | 0.3692961476392497 | 0.44951392665828394 | 0.35996381062836397 | 0 | 0.17808585957249817 | #DIV/0! | 0.3393784146347684 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.24824966924816388 | 0.014632015842435089 | 0.0696901691812037 | 0.0478387085615532 | 0.13337248410493716 | 0.2681276489756598 | 0.032007306442317175 | 0.3606104781946905 | #DIV/0! | 0.12856598159487045 Industries Manufacturières ( 200 à 290 ) | 0.09086108974925838 | 0.0017326210722539304 | 0.1988183674955193 | 0.21089610760563016 | 0.22443483177001317 | 0.17491258921408706 | 0.00120985834673208 | 0.26712878935874723 | #DIV/0! | 0.18170176131760932 Prêts aux Particuliers ( 1560 ) | 0.13892635560292638 | 0.019268519115215328 | 0.05005244725663912 | 0.08606574014164288 | 0.03962063970002292 | 0.024148261502762967 | 0.004269049723525499 | 0 | #DIV/0! | 0.06917496603310959 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.21049473008693226 | 0.20206349132759932 | 0.2096152330423559 | 0.14851093264251802 | 0.10210873585579526 | 0.1117642196090221 | 0.9625137854874253 | 0 | #DIV/0! | 0.17429750493087506 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.08191581878362242 | 0.10068046368041793 | 0.01976592148276947 | 0.006738827087803101 | 0.01895426515103726 | 0.005141179997534563 | 0 | 0 | #DIV/0! | 0.025183571565389723 Bâtiments et Travaux Publics ( 600 ) | 0.03242040099917365 | 0.07504916333539734 | 0.0590765677652655 | 0.11794506848434529 | 0.02937377930052716 | 0.040944800329072294 | 0 | 0.1941748728740641 | #DIV/0! | 0.06010334583916316 Électricité, Gaz et Eau ( 300 à 500 ) | 0.05659873012437293 | 0 | 0.0508661515248728 | 0.01233469387307771 | 0.0024084991517886864 | 0.014997489743497218 | 0 | 0 | #DIV/0! | 0.020677099403273586 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.00725166363713793 | 0.00037377396417997955 | 0.00021283830759449105 | 0 | 0 | 0 | #DIV/0! | 0.0009173546809406942 Total | 0.9999999999999997 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | #DIV/0! | 0.9999999999999999 [Secteur d' activitédéc. 21 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2021 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 755.6581600000001 | 117933.009497424 | 32394.8739943 | 15929.04593 | 0 | 0 | 0 | 0 | 167012.58758172402 200 | Industrie alimentaire | 1720411.28 | 0 | 1048336.621802648 | 1480825.671031854 | 3923345.73773 | 730415 | 6691.59237 | 0 | 0 | 8910025.902934503 210 | Industrie des boissons | 769557.62 | 0 | 1353953.8356847768 | 2721194.528337106 | 2606654.1565300003 | 235343 | 0 | 29000.000099999997 | 0 | 7715703.140651884 220 | Industrie du bois | 52273.57 | 0 | 822.717152339 | 0 | 0 | 3146 | 0 | 0 | 0 | 56242.287152339 230 | Industrie chimique | 200.8 | 0 | 11526.90323 | 394273.98041547695 | 17593.20595 | 67958 | 0 | 29000.000099999997 | 0 | 520552.8896954769 240 | Industrie du textile | 926.1 | 0 | 467750.91108222003 | 1719494.0931790888 | 41989.5835 | 306993 | 0 | 0 | 0 | 2537153.687761309 250 | Industrie pharmacie | 0 | 0 | 44535.07586 | 49999.99996 | 57747.94593 | 61866 | 0 | 0 | 0 | 214149.02175 260 | Imprimerie, édition | 563.63 | 0 | 282.56783431499997 | 105701.107026279 | 95660.85068 | 23093 | 0 |

0 | 0 | 225301.15554059402 270 | Sidérurgie, aciérie | 21997.87 | 0 | 61141.04298866299 | 586987.6305431421 | 0 | 609876 | 0 | 0 | 0 | 1280002.543531805 280 | Industrie de la fabrication | 1335.95 | 1596.46617 | 204539.16144113397 | 2316445.6420845306 | 763809.26727 | 65465 | 0 | 0 | 0 | 3353191.4869656647 290 | Autres industries | 0 | 0 | 7972.265220512 | 13894.979753988 | 2103637.0977000003 | 110775 | 0 | 0 | 0 | 2236279.3426745003 300 | Production et distribution de l'électricité | 1462036.23 | 0 | 331550.49761 | 460121.66763647 | 0 | 6036 | 0 | 0 | 0 | 2259744.39524647 400 | Production et distribution de gaz | 0 | 0 | 0 | 1332.50039 | 110246.93392 | 175630 | 0 | 0 | 0 | 287209.43431 500 | Traitement et distribution de l'eau | 0 | 0 | 479359.80710776494 | 237352.02164441702 | 29237.14804 | 12433 | 0 | 0 | 0 | 758381.976792182 600 | Entrep/ batiment et corps/ métiers corresp. | 896575.31 | 93155.59782 | 1768204.822061115 | 5463597.210064706 | 1158457.90772 | 469449 | 0 | 41151.932520143346 | 0 | 9890591.780185966 700 | Commerce de gros(1) | 3140587.02 | 315886.49717 | 4062757.8947041477 | 9058898.885578278 | 13349944.726460002 | 2438573 | 0 | 38666.666800000006 | 0 | 32405314.69071243 800 | Commerce de détail(2) | 761574.8700000001 | 420280.00201999996 | 903073.706494738 | 7319485.851775953 | 7642412.660729999 | 1260547 | 0 | 0 | 0 | 18307374.09102069 900 | Rest/débits/boissons, casinos/activités/loterie | 15887.65 | 0 | 1426.8733393930002 | 3331.5931800000003 | 9489.8336 | 12585 | 0 | 0 | 0 | 42720.950119393 1000 | Hotels,motels et pensions | 2184391.75 | 0 | 74492.258058066 | 360138.44536486303 | 1151241.48952 | 257306 | 158531.075076086 | 0 | 0 | 4186101.0180190154 1100 | Transport | 888457.13 | 127611.469 | 289814.07271911297 | 345511.93133759295 | 695406.02554 | 41583 | 0 | 0 | 0 | 2388383.628596706 1200 | Immobilier résidentiel / Avance Hypothécaire | 2374284.5999999996 | 211081.46713 | 1682667.3559601528 | 443435.604702511 | 3130357.3874399997 | 1317466 | 3685024.984020527 | 0 | 0 | 12844317.39925319 1300 | Immobilier commercial | 3281487.74 | 49213.73556 | 1481449.4350384418 | 6507898.229504181 | 1777777.21905 | 124098 | 1068425.6341723513 | 0 | 0 | 14290349.993324975 1400 | Télécommunications | 1299356.2 | 0 | 8630.614311033998 | 31429.507941423 | 71635.07688000001 | 28870 | 0 | 0 | 0 | 1439921.399132457 1500 | Services financiers | 454678.8 | 0 | 221272.56872672698 | 1160407.23288199 | 1383907.30604 | 2249807 | 0 | 0 | 0 | 5470072.907648717 1510 | Services professionnels | 463821.8 | 6869.645030000001 | 204185.072982095 | 145054.97078065804 | 208071.37369 | 634802 | 0 | 41151.932520143346 | 0 | 1703956.7950028966 1520 | Services médicaux | 9529.09 | 0 | 20028.541865434 | 3608.80506 | 31282.79637 | 58489 | 0 | 0 | 0 | 122938.233295434 1530 | Services d'agence ou de représentation | 982.17 | 775.39098 | 16574.26769432 | 18633.614519274997 | 29915.74833 | 631 | 0 | 0 | 0 | 67512.191523595 1540 | Services d'enseignement | 354492.03 | 0 | 22089.862784611003 | 42476.35982138799 | 68405.13027 | 2105 | 0 | 0 | 0 | 489568.38287599897 1550 | Autres services | 3512824.75 | 10279.719539999998 | 198295.32135562904 | 619755.3937044345 | 1586267.94 | 1000463 | 0 | 35273.08501726572 | 0 | 6963159.20961733 1560 | Crédit à la consommation | 3940276.150000001 | 23845.48137 | 814307.8134983567 | 4087499.092119616 | 1682765.9938499997 | 328443 | 61418.82507620502 | 0 | 0 | 10938556.35591418 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 27608510.110000007 | 1261351.1299499997 | 15898974.898105172 | 45731181.42433353 | 43743189.588669986 | 12634246 | 4980092.110715169 | 214243.61705755242 | 0 | 152071788.87883142 (1) Commerce de gros Import-export | 893420.26 | 39152.85997 | 1190873.7224201378 | 1161544.17448

2765 | 2592951.77355 | 0 | 5877942.790422902 Produits pétroliers | 476432.56 | 0 | 630097.7624278101 | 2461092.6891275537 | 903168.39181 | 0 | 4470791.403365364 Produits pharmaceutiques | 0 | 0 | 21120.877911851 | 113282.196833026 | 72240.25612 | 0 | 206643.330864877 Produits alimentaires | 338941.94 | 12331.749619999999 | 1110685.7757976442 | 2786113.2249264973 | 3004472.36723 | 0 | 7252545.057574142 Matériaux de construction | 111211.41 | 159917.42 | 815179.189119247 | 277103.229456392 | 4887159.38674 | 0 | 6250570.635315639 Appareils électroménagers électron.,équipe.inform. | 75304.51975 | 0 | 75304.51975 Autres | 1320580.86 | 104484.46758 | 294800.567027457 | 2259763.3707520454 | 1814648.03126 | 0 | 0 | 0 | 5794277.296619503 S-Total | 3140587.0300000003 | 315886.49717 | 4062757.8947041472 | 9058898.88557828 | 13349944.726460002 | 0 | 0 | 0 | 0 | 29928075.033912428 (2) Commerce de détail Produits pétroliers | 110514.29 | 4834.70675 | 95527.25216 | 108715.28666000001 | 90183.49093999999 | 409775.02651 Produits pharmaceutiques | 0 | 0 | 1018.10312 | 2774.6951799999997 | 5986.179190000001 | 0 | 9778.977490000001 Véhicules automobiles | 27291.89 | 0 | 69485.00245667 | 1480545.931597639 | 2804932.97106 | 0 | 4382255.795114309 Produits alimentaires | 95628.66 | 0 | 571662.0115911119 | 547419.6378292749 | 1880782.24862 | 0 | 3095492.558040387 Librairie ,papeterie | 253.45 | 0 | 0 | 35299.606833011 | 126111.70136 | 0 | 161664.758193011 Appareils électro- ménagers électroni.équip. inform. | 1342.42 | 0 | 56677.91050052099 | 236573.19763397495 | 832717.35092 | 0 | 1127310.879054496 Matériaux de construction | 26911.91 | 0 | 28245.015413495996 | 128390.495802435 | 532900.25914 | 0 | 716447.6803559309 Autres | 468824.19 | 0 | 80458.411252939 | 4779767.000239619 | 1369101.67548 | 0 | 0 | 0 | 6698151.276972557 S-Total | 730766.81 | 4834.70675 | 903073.7064947379 | 7319485.8517759545 | 7642715.8767099995 | 0 | 0 | 0 | 0 | 16600876.95173069 [Secteur d'activitésdéc. 21% ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2021 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0.00015173577982104496 | 0.007417648637930686 | 0.0007083760573275439 | 0.0003641491642421479 | 0 | 0 | 0 | 0.0010982483260902336 200 | Industrie alimentaire | 0.0623145281344557 | 0 | 0.06593737197028897 | 0.032381093706971405 | 0.08969043580549037 | 0.0578123142449498 | 0.0013436683943259535 | 0 | 0.05859091925349732 210 | Industrie des boissons | 0.027873927891576465 | 0 | 0.08515981969668623 | 0.05950413795540302 | 0.05958994259543331 | 0.018627387815624296 | 0 | 0.13535992576250105 | 0.050737241914078114 220 | Industrie du bois | 0.0018933861259346307 | 0 | 5.174655332256992e-05 | 0 | 0 | 0.00024900575784261283 | 0 | 0 | 0.00036984037320131764 230 | Industrie chimique | 7.273119744598922e-06 | 0 | 0.0007250092099569115 | 0.008621556848861203 | 0.000402193029713518 | 0.005378872629201616 | 0 | 0.13535992576250105 | 0.003423073362477809 240 | Industrie du textile | 3.3544004957535165e-05 | 0 | 0.029420193067791197 | 0.037600036553268386 | 0.0009599113346520988 | 0.02429848207799658 | 0 | 0 | 0.016683920840721327 250 | Industrie pharmacie | 0 | 0 | 0.0028011287611572778 | 0.001093345905413129 | 0.0013201585543491648 | 0.004896691104479049 | 0 | 0 | 0.0014082100521657626 26

0 | Imprimerie, édition | 2.0415082079921764e-05 | 0 | 1.7772707745370185e-05 | 0.002311357453145427 | 0.0021868741529716277 | 0.0018278099065033243 | 0 | 0 | 0.0014815447178050274 270 | Sidérurgie, aciérie | 0.0007967785987854595 | 0 | 0.0038455965482371906 | 0.012835610457918466 | 0 | 0.04827165784171054 | 0 | 0 | 0.008417094011774219 280 | Industrie de la fabrication | 4.838906535257435e-05 | 0.0012656794227181485 | 0.012864927629108389 | 0.05065352719822697 | 0.01746121566470854 | 0.005181551791852082 | 0 | 0 | 0.022050056172071723 290 | Autres industries | 0 | 0 | 0.0005014326566087056 | 0.0003038403846394944 | 0.0480906197623245 | 0.008767836244442289 | 0 | 0 | 0.014705418797015238 300 | Production et distribution de l'électricité | 0.052955998863207024 | 0 | 0.020853577022095553 | 0.010061442834093055 | 0 | 0.00047774912725302325 | 0 | 0 | 0.014859721266559186 400 | Production et distribution de gaz | 0 | 0 | 0 | 2.9137676930668084e-05 | 0.0025203222480272743 | 0.013901106563858262 | 0 | 0 | 0.0018886437545549246 500 | Traitement et distribution de l'eau | 0 | 0 | 0.030150359389830513 | 0.0051901572242811595 | 0.0006683817141576885 | 0.0009840713881936445 | 0 | 0 | 0.004986999774142525 600 | Entrep/ batiment et corps/ métiers corresp. | 0.03247459955020368 | 0.0738538188202144 | 0.1112150206785878 | 0.11947203286459444 | 0.0264831604328198 | 0.03715686713714455 | 0 | 0.19208008661041542 | 0.06503896516971103 700 | Commerce de gros(1) | 0.11375431008363092 | 0.25043502135882006 | 0.25553583930674323 | 0.1980902002404435 | 0.3051891014805605 | 0.19301294275891098 | 0 | 0.1804799010166681 | 0.21309221736408002 800 | Commerce de détail(2) | 0.027584786972048594 | 0.3331982602153454 | 0.05680075050639684 | 0.160054597843415 | 0.17471091460393817 | 0.09977223809002927 | 0 | 0 | 0.12038639267673597 900 | Rest/débits/boissons, casinos/activités/loterie | 0.000575462056326081 | 0 | 8.974624770072779e-05 | 7.285167529538745e-05 | 0.0002169442532480069 | 0.0009961021813252647 | 0 | 0 | 0.00028092620225196683 1000 | Hotels,motels et pensions | 0.07912023290270913 | 0 | 0.004685349749620898 | 0.007875117898730551 | 0.02631818805042478 | 0.0203657582731886 | 0.03183296042556933 | 0 | 0.027527137340078504 1100 | Transport | 0.03218055325912695 | 0.10117045600542535 | 0.01822847539394837 | 0.0075552811140310126 | 0.015897469573643495 | 0.0032912925710010714 | 0 | 0 | 0.015705632492425896 1200 | Immobilier résidentiel | 0.08599828786632047 | 0.16734552506276926 | 0.10583495896711503 | 0.00969657006207496 | 0.07156216583371415 | 0.10427737436804697 | 0.7399511699978049 | 0 | 0.08446219705804443 1300 | Immobilier commercial | 0.11885783502715784 | 0.039016681708566626 | 0.09317892785748091 | 0.14230767775532108 | 0.04064123434452219 | 0.009822351092419761 | 0.2145393318877629 | 0 | 0.09397107838792715 1400 | Télécommunications | 0.047063611720552914 | 0 | 0.0005428409294527906 | 0.0006872664768878982 | 0.0016376281097378953 | 0.002285059195459705 | 0 | 0 | 0.009468695079793962 1500 | Services financiers | 0.016468791622164063 | 0 | 0.013917411037179389 | 0.02537452995396568 | 0.031637091831969395 | 0.17807212238862533 | 0 | 0 | 0.03597033314316564 1510 | Services professionnels | 0.01679995762726799 | 0.005446259068458055 | 0.012842656478841892 | 0.0031719051697945942 | 0.00475665756536174 | 0.05024454961538662 | 0 | 0.19208008661041542 | 0.011204950027651641 1520 | Services médicaux | 0.00034515046129014016 | 0 | 0.0012597379386906878 | 7.891344477883438e-05 | 0.0007151466700110644 | 0.004629401707074566 | 0 | 0 | 0.000808422352375886 1530 | Services d'agence ou de représentation | 3.557490049578049e-05 | 0.0006147304755898833 | 0.001042473983419856 | 0.0004074597230798867 | 0.0006838949928276044 | 4.9943621487186495e-05 | 0 | 0 | 0.0004439494795276442 1540 | Services d'enseignement | 0.012839955093107338 | 0 | 0.0013893891226436023 | 0.0009288270824944476 | 0.0015637892644142655 | 0.00016661065488197713 | 0 | 0 | 0.0032193241526610825

1550 | Autres services | 0.12723702713416718 | 0.00814976836815256 | 0.012472207964757636 | 0.013552140452130613 | 0.03626319788099912 | 0.07918660124236936 | 0 | 0.16464007423749893 | 0.04578863220426422 1560 | Crédit à la consommation | 0.1427196228373368 | 0.018904713210940116 | 0.05121762998666067 | 0.08938100798648208 | 0.03846921108573794 | 0.025996248608741668 | 0.01233286929453699 | 0 | 0.07193021425315027 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 0.9999999999999998 | 0.999552649496821 | 1 | 0.9999999999999997 | 1.0000000000000002 | 1 | 1 | 1 | 1 (1) Commerce de gros Import-export | 0.03236032138063099 | 0.031040412966968228 | 0.07490254749455987 | 0.02539939136286359 | 0.05927669650824013 | 0 | 0 | 0 | 0.03865242089777981 Produits pétroliers | 0.017256728382001048 | 0 | 0.03963134519464551 | 0.053816512333049155 | 0.02064706301261423 | 0 | 0 | 0 | 0.029399216227591205 Produits pharmaceutiques | 0 | 0 | 0.0013284427484924308 | 0.0024771325232535676 | 0.0016514629316996836 | 0 | 0 | 0 | 0.0013588538175843214 Produits alimentaires | 0.012276719701626809 | 0.009776619156387351 | 0.06985895524182599 | 0.06092370977855404 | 0.06868434596292436 | 0 | 0 | 0 | 0.04769158771028112 Matériaux de construction | 0.004028156881950628 | 0.12678263506715942 | 0.0512724370183388 | 0.006059393630905533 | 0.11172389194056012 | 0 | 0 | 0 | 0.04110276259258055 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0.0017215141478733134 | 0 | 0 | 0 | 0.0004951905958704908 Autres | 0.04783238409962861 | 0.08283535416830505 | 0.01854211160888059 | 0.04941406061181763 | 0.04148412697664863 | 0 | 0 | 0 | 0.03810224986066481 S-Total | 0.11375431044583809 | 0.25043502135882006 | 0.25553583930674323 | 0.19809020024044355 | 0.30518910148056044 | 0 | - | 0 | 0.1968022817023523 (2) Commerce de détail Produits pétroliers | 0.004002906696510614 | 0.0038329586704311663 | 0.00600839065236746 | 0.002377268272412326 | 0.0020616578669278977 | 0 | 0 | 0 | 0.002694615678102549 Produits pharmaceutiques | 0 | 0 | 6.403577126984059e-05 | 6.067403232499011e-05 | 0.00013684825560938277 | 0 | 0 | 0 | 6.430500727384582e-05 Véhicules automobiles | 0.0009885317929602682 | 0 | 0.0043704077087983306 | 0.03237497666766688 | 0.06412273538888237 | 0 | 0 | 0 | 0.028817020089150304 Produits alimentaires | 0.0034637385218901254 | 0 | 0.035955903777119755 | 0.011970380400843816 | 0.04299600157888681 | 0 | 0 | 0 | 0.020355468827336742 Librairie ,papeterie | 9.180140434604565e-06 | 0 | 0 | 0.0007718936124888325 | 0.0028830019608964332 | 0 | 0 | 0 | 0.0010630818469678364 Appareils électro- ménagers électroni.équip. inform. | 4.8623413384185686e-05 | 0 | 0.003564878293334234 | 0.00517312674341045 | 0.019036502796213193 | 0 | 0 | 0 | 0.007413017808008565 Matériaux de construction | 0.000974768645347954 | 0 | 0.001776530599898124 | 0.00280750445983708 | 0.012182473755366654 | 0 | 0 | 0 | 0.004711246481928256 Autres | 0.016981147774076676 | 0 | 0.005060603703609091 | 0.10451877365443064 | 0.03129862473116533 | 0 | 0 | 0 | 0.04404598200859955 S-Total | 0.026468896984604428 | 0.0038329586704311663 | 0.05680075050639683 | 0.16005459784341503 | 0.17471784633394807 | 0 | - | 0 | 0.10916473774736764 [Secteur d'activitédéc. 21 (gl] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2021 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3643469.17 | 716357.82894 | 3960366.6867929343 | 15350194.393599492 | 20929651.16951 | 3792476 | 0 | 85414.7308 | 0 | 48477929.97964243 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6860452.4 | 24556.88653 | 689334.927353312 | 1857308.6466746225 | 4747676.54499 | 3996538.7

6 | 179598.65541773205 | 38701.94451023381 | 0 | 18394168.765475903 Industries Manufacturières ( 200 à 290 ) | 2559975.1600000006 | 2473.17154 | 3236656.7834506314 | 9596419.195163121 | 10296707.221719999 | 2085963.91 | 9677.551660000001 | 89165.3762 | 0 | 27877038.369733755 Prêts aux Particuliers ( 1560 ) | 4046495.7500000005 | 23201.31443 | 798814.7852079406 | 4155413.399368087 | 1740542.11162 | 357009 | 59354.34952225199 | 0 | 0 | 11180830.710148279 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5592887.94 | 262316.72138 | 3219761.680881584 | 7228454.036021367 | 4910083.47477 | 1452515 | 4781342.9900908675 | 0 | 0 | 27447361.84314382 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2309147.9299999997 | 127298.30116 | 298042.911278942 | 359473.84872118395 | 1297864.91766 | 61204 | 0 | 0 | 0 | 4453031.908820125 Bâtiments et Travaux Publics ( 600 ) | 922687.93 | 91822.93944 | 1817993.7379610222 | 4188872.843977354 | 1376078.19803 | 461145.91 | 0 | 38701.94451023381 | 0 | 8897303.50391861 Électricité, Gaz et Eau ( 300 à 500 ) | 1425799.17 | 0 | 791274.443475094 | 642952.040235598 | 71930.72667999999 | 188632.42 | 0 | 0 | 0 | 3120588.800390692 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 117735.89075802201 | 30439.018780000002 | 23427.30214 | 0 | 0 | 0 | 0 | 171602.211678022 Total | 27360915.450000003 | 1248027.16342 | 14929981.847159484 | 43409527.42254083 | 45393961.66712 | 12395485 | 5029973.546690851 | 251983.9960204676 | 0 | 150019856.09295166 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1331632772543069 | 0.5739921773633089 | 0.26526265921391035 | 0.35361348775312285 | 0.46106685560934146 | 0.3059562413249663 | 0 | 0.3389688716304909 | #DIV/0! | 0.3231434240918463 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.25073913965111866 | 0.01967656414040392 | 0.04617118322112776 | 0.04278573753166906 | 0.10458828378552522 | 0.3224189097885238 | 0.035705685875005735 | 0.15358889898345057 | #DIV/0! | 0.12261156119279941 Industries Manufacturières ( 200 à 290 ) | 0.09356321299549208 | 0.001981664832696995 | 0.21678906354909092 | 0.22106711970746049 | 0.2268298875790382 | 0.16828417040559526 | 0.0019239766512026144 | 0.3538533304026081 | #DIV/0! | 0.18582232442924929 Prêts aux Particuliers ( 1560 ) | 0.1478932880515151 | 0.018590392188596965 | 0.053504069421217666 | 0.09572583822256372 | 0.038343031709451324 | 0.028801535397767815 | 0.011800131545681861 | 0 | #DIV/0! | 0.07452900570188978 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.20441157936475404 | 0.21018510579622876 | 0.21565744110359802 | 0.16651768552237037 | 0.10816600478222851 | 0.11718097355609725 | 0.9505702059281098 | 0 | #DIV/0! | 0.18295819338833091 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.08439585781476473 | 0.1019996237991818 | 0.019962710894765517 | 0.008280989682797689 | 0.028591135692835477 | 0.004937604297048482 | 0 | 0 | #DIV/0! | 0.02968295014268675 Bâtiments et Travaux Publics ( 600 ) | 0.03372284570251833 | 0.07357447187958258 | 0.1217679804685701 | 0.09649662396007196 | 0.030314124334883254 | 0.037202732285182866 | 0 | 0.15358889898345057 | #DIV/0! | 0.05930750592378838 Électricité, Gaz et Eau ( 300 à 500 ) | 0.0521107991655301 | 0 | 0.05299902247541169 | 0.014811311673062324 | 0.0015845879944887304 | 0.015217832944818216 | 0 | 0 | #DIV/0! | 0.020801171802599175 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007885869652307845 | 0.0007012059468814729 | 0.0005160885122077589 | 0 | 0 | 0 | #DIV/0! | 0.0011438633268098725 Total | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999999 | 1 | 0.9999999999999998 | 1 | 1 | 1.0000000000000002 | #DIV/0! | 1 [Secteur d'activitéjuin 21 g] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2021 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 80

0 ) | 4154645.8 | 693735.5950500001 | 3653423.0287795756 | 16097251.441750772 | 17657430.08575 | 4052493 | 0 | 209283.2662 | 0 | 46518262.21753035 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 8286273.5200000005 | 17318.505549999998 | 824207.7830655519 | 1399903.2920797616 | 4400898.42492 | 3332400 | 159127.88071753603 | 80389.809165184 | 0 | 18500519.21549803 Industries Manufacturières ( 200 à 290 ) | 2224266.8099999996 | 2596.46861 | 3225229.919062481 | 9438956.73229649 | 7625424.396310001 | 2274874 | 9618.8578 | 193577.3528 | 0 | 24994544.53687897 Prêts aux Particuliers ( 1560 ) | 4060086.3 | 22864.024579999998 | 827041.3485420321 | 4097356.9608707107 | 1809222.04143 | 345254 | 65626.712228256 | 0 | 0 | 11227451.387650998 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5558632.86 | 262865.42678000004 | 3152635.131892032 | 7160912.960058656 | 4475852.72382 | 1363093 | 4649498.076819712 | 0 | 0 | 26623490.179370403 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2460776.96 | 129045.9157 | 389941.750138712 | 379529.79600407195 | 1394221.18309 | 59987 | 0 | 0 | 0 | 4813502.604932783 Bâtiments et Travaux Publics ( 600 ) | 872963.46 | 88097.50629 | 1839218.753801248 | 4802353.006080928 | 1029517.334 | 425782 | 0 | 89530.27228 | 0 | 9147462.332452176 Électricité, Gaz et Eau ( 300 à 500 ) | 1333322.96 | 0 | 778674.5079062879 | 1332440.07390016 | 78844.75991 | 173086 | 0 | 0 | 0 | 3696368.301716448 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 116187.993130792 | 20092.297100008003 | 35413.58437 | 0 | 0 | 0 | 0 | 171693.87460080002 Total | 28950968.67 | 1216523.44256 | 14806560.216318712 | 44728796.560141556 | 38506824.5336 | 12026969 | 4883871.527565504 | 572780.700445184 | 0 | 145693294.65063095 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1435062794394575 | 0.5702607699775456 | 0.24674353633824006 | 0.35988563698794557 | 0.45855326424911014 | 0.3369504818712013 | 0 | 0.3653811415736217 | #DIV/0! | 0.3192889715966684 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.2862174877273286 | 0.01423606397058463 | 0.05566504110503465 | 0.031297584548188685 | 0.11428879109675472 | 0.2770772918762824 | 0.0325823232284854 | 0.14035006609458453 | #DIV/0! | 0.12698264020909017 Industries Manufacturières ( 200 à 290 ) | 0.07682875261803802 | 0.0021343350396405857 | 0.21782438810520402 | 0.21102639592829273 | 0.1980278687913168 | 0.18914773955100408 | 0.0019695149116247894 | 0.3379606761358148 | #DIV/0! | 0.17155590170992627 Prêts aux Particuliers ( 1560 ) | 0.140240084754304 | 0.018794561436387875 | 0.05585641340454803 | 0.091604453416525 | 0.04698445180415545 | 0.0287066508610773 | 0.013437436234316626 | 0 | #DIV/0! | 0.07706223827647085 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.19200161912924346 | 0.21607921194419175 | 0.21292150815808167 | 0.16009625813272704 | 0.11623531096194373 | 0.11333636928805586 | 0.9520107256255732 | 0 | #DIV/0! | 0.18273655107610065 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.08499808721598813 | 0.1060776234845432 | 0.026335742025277865 | 0.008485133184698204 | 0.03620711912698594 | 0.004987707210353664 | 0 | 0 | #DIV/0! | 0.03303860082562789 Bâtiments et Travaux Publics ( 600 ) | 0.030153169310172166 | 0.07241743414710641 | 0.12421647748909265 | 0.10736602313061941 | 0.026735970739463894 | 0.03540226968241125 | 0 | 0.1563081161959789 | #DIV/0! | 0.06278574696514053 Électricité, Gaz et Eau ( 300 à 500 ) | 0.04605451980546805 | 0 | 0.05258983156993409 | 0.029789311950492215 | 0.0020475528913375396 | 0.014391489659614155 | 0 | 0 | #DIV/0! | 0.02537088827993252 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007847061804587002 | 0.00044920272051120923 | 0.0009196703389317151 | 0 | 0 | 0 | #DIV/0! | 0.0011784610610427737 Total | 1 | 1 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1 | 1 | #DIV/0! | 1 [Non apparentés déc. 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT

RISQUES NON APPARENTES AU 31 DECEMBRE 2015 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 6 | 1271385500 | 1 | 407756000 | 1 | 777875000 | 8 | 2457016500 | 0.5174509410091467 | 0.16595574347994815 | 0.3165933155109052 | 1 BPH | 24 | 90763000 | 6 | 46317000 | 10 | 399638000 | 40 | 536718000 | 0.16910742699145548 | 0.08629671447575822 | 0.7445958585327863 | 1 BUH | 1 | 46070000 | 4 | 323444000 | 2 | 374868000 | 7 | 744382000 | 0.06189026601932879 | 0.43451346217399134 | 0.5035962718066799 | 1 CAPITALBK | 5 | 511418610 | 3 | 634341010 | 0 | 0 | 8 | 1145759620 | 0.44635768364746525 | 0.5536423163525348 | 0 | 1 SOGEBK | 9 | 2994096900.7200003 | 6 | 3362866544.34 | 1 | 915485203.34 | 16 | 7272448648.400001 | 0.41170409658082996 | 0.4624118652360452 | 0.1258840381831248 | 1 SOGEBL | 7 | 253504072.72 | 2 | 169656587.54 | 0 | 0 | 9 | 423160660.26 | 0.5990728735611696 | 0.40092712643883044 | 0 | 1 UNIBK | 4 | 2087539000 | 5 | 4653720000 | 0 | 0 | 9 | 6741259000 | 0.3096660430937307 | 0.6903339569062693 | 0 | 1 CBNA | 2 | 94433000 | 2 | 174253000 | 5 | 1850616000 | 9 | 2119302000 | 0.04455853861318491 | 0.08222188248772473 | 0.8732195788990904 | 1 SCOTIABK | 1 | 24375000 | 2 | 88351000 | 0 | 0 | 3 | 112726000 | 0.21623228004187145 | 0.7837677199581286 | 0 | 1 [Non apparentés sept. 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2015 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 920530500 | 2 | 921079000 | 0 | 0 | 7 | 1841609500 | 0.499851081350308 | 0.500148918649692 | 0 | 1 BPH | 18 | 80947000 | 6 | 48936000 | 9 | 376113000 | 33 | 505996000 | 0.15997557292943027 | 0.09671222697412628 | 0.7433122000964435 | 1 BUH | 11 | 112795000 | 1 | 46785000 | 1 | 181451000 | 13 | 341031000 | 0 | 0 | 0 | 0 CAPITALBK | 4 | 316015870 | 5 | 887645820 | 0 | 0 | 9 | 1203661690 | 0.2625454250355015 | 0.7374545749644985 | 0 | 1 SOGEBK | 18 | 968165058 | 2 | 558054975 | 0 | 0 | 20 | 1526220033 | 0.6343548355193159 | 0.365645164480684 | 0 | 1 SOGEBL | 6 | 215643401 | 1 | 76305974 | 0 | 0 | 7 | 291949375 | 0.738632857152032 | 0.2613671428479681 | 0 | 1 UNIBK | 9 | 3799089000 | 5 | 3974975000 | 0 | 0 | 14 | 7774064000 | 0.488687641367501 | 0.511312358632499 | 0 | 1 CBNA | 0 | 0 | 4 | 293242000 | 4 | 500400000 | 8 | 793642000 | 0 | 0.36948901393827444 | 0.6305109860617255 | 1 SCOTIABK | 1 | 25000000

| 2 | 89970000 | 0 | 0 | 3 | 114970000 | 0.2174480299208489 | 0.7825519700791511 | 0 | 1 [Non apparentés juin 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2015 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 959678000 | 4 | 1208262000 | 1 | 693307000 | 10 | 2861247000 | 0.33540550675981484 | 0.422285108555815 | 0.24230938468437013 | 1 BPH | 13 | 73397000 | 5 | 60697000 | 6 | 317162000 | 24 | 451256000 | 0.16265046891343274 | 0.13450679880156718 | 0.702842732285 | 1 BUH | 8 | 274157000 | 3 | 189663000 | 1 | 121854000 | 12 | 585674000 | 0.46810512332799475 | 0.32383715172604555 | 0.2080577249459597 | 1 CAPITALBK | 5 | 403409910 | 6 | 869703780 | 0 | 0 | 11 | 1273113690 | 0.31686872364085567 | 0.6831312763591443 | 0 | 1 SOGEBK | 8 | 2366415081 | 7 | 4026908005 | 0 | 0 | 15 | 6393323086 | 0.3701385099998996 | 0.6298614900001004 | 0 | 1 SOGEBL | 7 | 198328008 | 2 | 124743481 | 0 | 0 | 9 | 323071489 | 0.6138827310756598 | 0.3861172689243402 | 0 | 1 UNIBK | 10 | 4142229000 | 6 | 4553860000 | 0 | 0 | 16 | 8696089000 | 0.4763324064415624 | 0.5236675935584376 | 0 | 1 CBNA | 3 | 119260000 | 7 | 556814000 | 3 | 597476000 | 13 | 1273550000 | 0.09364375171763967 | 0.43721408660829963 | 0.4691421616740607 | 1 SCOTIABK | 0 | 0 | 1 | 44550000 | 2 | 409256000 | 3 | 453806000 | 0 | 0.09816970247198142 | 0.9018302975280186 | 1 [Non apparentés mars 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2015 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 959678000 | 4 | 1208262000 | 1 | 693307000 | 10 | 2861247000 | 0.33540550675981484 | 0.422285108555815 | 0.24230938468437013 | 1 BPH | 13 | 73397000 | 5 | 60697000 | 6 | 317162000 | 24 | 451256000 | 0.16265046891343274 | 0.13450679880156718 | 0.702842732285 | 1 BUH | 8 | 274157000 | 3 | 189663000 | 1 | 121854000 | 12 | 585674000 | 0.46810512332799475 | 0.32383715172604555 | 0.2080577249459597 | 1 CAPITALBK | 5 | 403409910 | 6 | 869703780 | 0 | 0 | 11 | 1273113690 | 0.31686872364085567 | 0.6831312763591443 | 0 | 1 SOGEBK | 8 | 2366415081 | 7 | 4026908005 | 0 | 0 | 15 | 6393323086 | 0.3701385099998996 | 0.6298614900001004 | 0 | 1 SOGEBL | 7 | 198328008 | 2 | 124743481 | 0 | 0 | 9 | 323071489 | 0.6138827310756598 | 0.3861172689243402 | 0 | 1 UNIBK | 10 | 4142229000 | 6 | 455386000

0 | 0 | 0 | 16 | 8696089000 | 0.4763324064415624 | 0.5236675935584376 | 0 | 1 CBNA | 3 | 119260000 | 7 | 556814000 | 3 | 597476000 | 13 | 1273550000 | 0.09364375171763967 | 0.43721408660829963 | 0.4691421616740607 | 1 SCOTIABK | 0 | 0 | 1 | 44550000 | 2 | 409256000 | 3 | 453806000 | 0 | 0.09816970247198142 | 0.9018302975280186 | 1 [Non apparentés DéC. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2014 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 4 | 743386500 | 5 | 1533648500 | 1 | 936747000 | 10 | 3213782000 | 0.23131204916823855 | 0.4772098729783165 | 0.29147807785344493 | 1 BPH | 6 | 52193000 | 6 | 102341000 | 6 | 342508000 | 18 | 497042000 | 0.10500722272966873 | 0.20590010502130604 | 0.6890926722490253 | 1 BUH | 6 | 187647000 | 4 | 229489000 | 2 | 221504000 | 12 | 638640000 | 0.2938228109733183 | 0.359340160340724 | 0.34683702868595767 | 1 CAPITALBK | 1 | 69150020 | 6 | 844385210 | 0 | 0 | 7 | 913535230 | 0.07569496799811432 | 0.9243050320018857 | 0 | 1 SOGEBK | 7 | 2080407302 | 7 | 3998178183 | 0 | 0 | 14 | 6078585485 | 0.34225187868687185 | 0.6577481213131282 | 0 | 1 SOGEBL | 7 | 235730310 | 1 | 75635390 | 0 | 0 | 8 | 311365700 | 0.7570850289546986 | 0.24291497104530138 | 0 | 1 UNIBK | 9 | 3337704000 | 8 | 6149121000 | 0 | 0 | 17 | 9486825000 | 0.35182518914389166 | 0.6481748108561083 | 0 | 1 CBNA | 2 | 65458000 | 7 | 495504000 | 5 | 795024000 | 14 | 1355986000 | 0.04827335975445174 | 0.3654197019733242 | 0.586306938272224 | 1 SCOTIABK | 2 | 54012000 | 1 | 44550000 | 2 | 462008000 | 5 | 560570000 | 0.09635192750236367 | 0.0794726795939847 | 0.8241753929036516 | 1 [Non apparentés sept. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2014 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 807172000 | 5 | 1463639000 | 1 | 1178140000 | 11 | 3448951000 | 0.2340340584716918 | 0.42437222216262277 | 0.3415937193656854 | 1 BPH | 8 | 76137000 | 7 | 117733000 | 6 | 340386000 | 21 | 534256000 | 0.14251033212542302 | 0.22036813812105058 | 0.6371215297535264 | 1 BUH | 1 | 33168000 | 2 | 130533000 | 2 | 252370000 | 5 | 416071000 | 0.07971716365716429 | 0.3137277051272499 | 0.6065551312155858 | 1 CAPITALBK | 4 | 280073830 | 5 | 751688300 | 0 | 0 | 9 | 1031762130 | 0.2714519382485961 | 0.7285480617514039

| 0 | 1 SOGEBK | 6 | 1869211455 | 7 | 4003560114 | 0 | 0 | 13 | 5872771569 | 0.3182843795367107 | 0.6817156204632893 | 0 | 1 SOGEBL | 4 | 122658800 | 3 | 178547114 | 0 | 0 | 7 | 301205914 | 0.4072257359462072 | 0.5927742640537927 | 0 | 1 UNIBK | 8 | 3018748000 | 8 | 5327083000 | 0 | 0 | 16 | 8345831000 | 0.36170730032755277 | 0.6382926996724473 | 0 | 1 CBNA | 6 | 161979000 | 5 | 323317000 | 4 | 626030000 | 15 | 1111326000 | 0.14575291138693777 | 0.2909290343247616 | 0.5633180542883006 | 1 SCOTIABK | 1 | 25175000 | 2 | 75221000 | 2 | 517789000 | 5 | 618185000 | 0.040724055096775236 | 0.1216804031155722 | 0.8375955417876526 | 1 [Non apparentés juin 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2014 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 6 | 956102500 | 4 | 1379948000 | 1 | 1375804000 | 11 | 3711854500 | 0.2575808130410284 | 0.37176780501498646 | 0.37065138194398517 | 1 BPH | 7 | 60508000 | 8 | 133387000 | 8 | 436233000 | 23 | 630128000 | 0.09602493461645888 | 0.21168238834014677 | 0.6922926770433944 | 1 BUH | 1 | 18783000 | 2 | 116421000 | 2 | 225366000 | 5 | 360570000 | 0.05209252017638739 | 0.32288043930443466 | 0.625027040519178 | 1 CAPITALBK | 4 | 245223310 | 6 | 784515870 | 0 | 0 | 10 | 1029739180 | 0.23814118639246104 | 0.7618588136075389 | 0 | 1 SOGEBK | 7 | 2243937185 | 6 | 3516685009 | 0 | 0 | 13 | 5760622194 | 0.38953035096402994 | 0.6104696490359701 | 0 | 1 SOGEBL | 6 | 184614626 | 2 | 122450985 | 0 | 0 | 8 | 307065611 | 0.6012220821432199 | 0.39877791785678013 | 0 | 1 UNIBK | 7 | 2794933000 | 6 | 4111261000 | 0 | 0 | 13 | 6906194000 | 0.4046994625404383 | 0.5953005374595617 | 0 | 1 CBNA | 8 | 252666000 | 5 | 309401000 | 4 | 769098000 | 17 | 1331165000 | 0.18980817554548085 | 0.23242873723392668 | 0.5777630872205924 | 1 SCOTIABK | 2 | 55578000 | 1 | 44550000 | 2 | 527204000 | 5 | 627332000 | 0.08859423718222569 | 0.07101502872482195 | 0.8403907340929524 | 1 [Non apparentés mars 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2014 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 6 | 937491000 | 5 | 1276354000 | 1 | 1609063000 | 12 | 3822908000 | 0.24522980934932256 | 0.3338699231056567 | 0.4209002675450207 | 1 BPH | 9 | 77303000 | 9 | 173744000 | 6 | 320108000 | 24 | 571155000 | 0.135345046

4409836 | 0.30419763461757315 | 0.5604573189414432 | 1 BUH | 0 | 0 | 2 | 120333000 | 0 | 0 | 2 | 120333000 | 0 | 1 | 0 | 1 CAPITALBK | 3 | 181318490 | 7 | 785771280 | 0 | 0 | 10 | 967089770 | 0.18748878917414255 | 0.8125112108258574 | 0 | 1 SOGEBK | 7 | 1966515369 | 8 | 4297521801 | 0 | 0 | 15 | 6264037170 | 0.3139373722777574 | 0.6860626277222426 | 0 | 1 SOGEBL | 7 | 173426563 | 3 | 153744093 | 0 | 0 | 10 | 327170656 | 0.5300798217062597 | 0.4699201782937404 | 0 | 1 UNIBK | 6 | 2329520000 | 7 | 4599670000 | 0 | 0 | 13 | 6929190000 | 0.3361893670111514 | 0.6638106329888486 | 0 | 1 CBNA | 6 | 144291000 | 7 | 382373000 | 4 | 848239000 | 17 | 1374903000 | 0.10494631257623264 | 0.27810907387648437 | 0.616944613547283 | 1 SCOTIABK | 2 | 54802000 | 1 | 44550000 | 2 | 527978000 | 5 | 627330000 | 0.08735753112396984 | 0.07101525512887953 | 0.8416272137471507 | 1 [Non apparentés déc. 13] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DÉCEMBRE 2013 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 6 | 888868000 | 5 | 1290177000 | 1 | 1849250000 | 12 | 4028295000 | 0.22065613367442058 | 0.3202786786965701 | 0.4590651876290093 | 1 BPH | 9 | 131606000 | 5 | 143377000 | 3 | 219729000 | 17 | 494712000 | 0.26602548553501837 | 0.28981912708808355 | 0.4441553873768981 | 1 BUH | 8 | 129362000 | 2 | 53707000 | 3 | 196516000 | 13 | 379585000 | 0 | 0 | 0 | 0 CAPITALBK | 7 | 453439100 | 3 | 406075030 | 0 | 0 | 10 | 859514130 | 0.52755281638011 | 0.47244718361989 | 0 | 1 SOGEBK | 5 | 1697231868 | 6 | 3125726039 | 1 | 779466640 | 12 | 5602424547 | 0.3029459573728374 | 0.5579238083043477 | 0.13913023432281488 | 1 SOGEBL | 7 | 183773710 | 2 | 92676250 | 0 | 0 | 9 | 276449960 | 0.6647630189564867 | 0.33523698104351324 | 0 | 1 UNIBK | 6 | 2091605000 | 8 | 5010051000 | 1 | 1022161000 | 15 | 8123817000 | 0.25746579471201775 | 0.6167114547262696 | 0.12582275056171255 | 0.9999999999999999 CBNA | 6 | 132898000 | 5 | 222917000 | 7 | 920941000 | 18 | 1276756000 | 0.10409036652265585 | 0.17459639899871235 | 0.7213132344786318 | 1 SCOTIABK | 2 | 52540000 | 1 | 44550000 | 2 | 524083000 | 5 | 621173000 | 0.08458191196333388 | 0.07171915070358821 | 0.8436989373330779 | 1 [Non apparentés sept. 13 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2013 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou

groupe) | (individu ou groupe) BNC | 7 | 818453500 | 5 | 1103273000 | 2 | 2351200000 | 14 | 4272926500 | 0.1915440155593596 | 0.2582007904886733 | 0.5502551939519671 | 1 BPH | 7 | 98725000 | 6 | 165900000 | 2 | 180898000 | 15 | 445523000 | 0.22159349797878 | 0.37237134783164955 | 0.4060351541895705 | 1 BUH | 5 | 78191820 | 2 | 51018829 | 0 | 0 | 7 | 129210649 | 0.6051499671671798 | 0.39485003283282016 | 0 | 1 CAPITALBK | 9 | 528081050 | 4 | 425166050 | 0 | 0 | 13 | 953247100 | 0.5539812814536755 | 0.44601871854632447 | 0 | 1 SOGEBK | 5 | 1408727705 | 6 | 3159970620 | 1 | 816660703 | 12 | 5385359028 | 0.2615847332880923 | 0.5867706504933881 | 0.15164461621851966 | 1 SOGEBL | 6 | 147806581 | 3 | 134909608 | 0 | 0 | 9 | 282716189 | 0.5228090457883189 | 0.4771909542116812 | 0 | 1 UNIBK | 6 | 2176665000 | 8 | 5254876000 | 0 | 0 | 14 | 7431541000 | 0.29289551117325463 | 0.7071044888267454 | 0 | 1 CBNA | 5 | 119947000 | 6 | 290928000 | 5 | 676619000 | 16 | 1087494000 | 0.11029670048754292 | 0.26752147598055714 | 0.6221818235319 | 1 SCOTIABK | 3 | 69873000 | 1 | 44550000 | 2 | 528614000 | 6 | 643037000 | 0.10866093241912984 | 0.06928061682298219 | 0.822058450757888 | 1 [Secteur d'activitésept. 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. | 0 Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.1 | 15267.2 | 656218.5 | 0 | 0 | 0 | 671489.8 200 | Industrie alimentaire | 669613 | 1209.3 | 389022.28 | 90684.15 | 1637870.2 | 503318.08 | 16768.49 | 147583.78 | 3456069.28 210 | Industrie des boissons | 14 | 0 | 2991.73 | 775777.93 | 2464556.54 | 237266.08 | 0 | 71400 | 3552006.2800000003 220 | Industrie du bois | 18217 | 0 | 25.64 | 742.23 | 994.35 | 30378.34 | 0 | 0 | 50357.56 230 | Industrie chimique | 0 | 0 | 13946.18 | 299705.35 | 71244.26 | 45351.92 | 0 | 141796.18 | 572043.8899999999 240 | Industrie du textile | 51322 | 0 | 244352.44 | 731575.9 | 9943.26 | 117365.7 | 0 | 0 | 1154559.3 250 | Industrie pharmacie | 0 | 0 | 72686.73 | 517.59 | 17605.32 | 134784.95 | 0 | 0 | 225594.59 260 | Imprimerie, édition | 25590 | 0 | 2775.87 | 131320.68 | 33199.18 | 50305.62 | 0 | 0 | 243191.34999999998 270 | Sidérurgie, aciérie | 317501 | 0 | 116925.03 | 373105.58 | 0 | 363529.79 | 0 | 0 | 1171061.4000000001 280 | Industrie de la fabrication | 52833 | 3200.07 | 361798.65 | 1200274.99 | 611897.34 | 184895.04 | 0 | 1.11 | 2414900.1999999997 290 | Autres industries | 0 | 0 | 24745.01 | 4448.89 | 235395.55 | 109209.78 | 0 | 154217.4 | 528016.63 300 | Production et distribution de l'électricité | 747044 | 0 | 68965 | 1342068.25 | 125380 | 3408.81 | 0 | 0 | 2286866.06 400 | Production et distribution de gaz | 0 | 456.82 | 2.93 | 5843.82 | 197.81 | 93411.72 | 0 | 0 | 99913.1 500 | Traitement et distribution de l'eau | 0 | 1893.87 | 312811.71 | 25121.12 | 51194.1 | 0 | 0 | 0 | 391020.8 600 | Entrep/ batiment et corps/ métiers corresp. | 991857 | 95544.22 | 622909.05 | 2177656.19 | 1335695.94 | 418275.05 | 0 | 0 | 5641937.45 700 | Commerce de gros(1) | 1252939 | 274002.05 | 1418628.14 | 4469159.84 | 4458634.31 | 1641378.41 | 0 | 132600 | 13647341.75 800 | Commerce de détail(2) | 113385 | 406375.8 | 613725.45 | 3741952.21 | 6290060.43 | 720882.22 | 93.11 | 33852.6 | 11920326.82 900 | Rest/débits/boissons, casinos/activités/loterie | 96077 | 1013.91 |

12286.63 | 1706.28 | 22265.82 | 29342.14 | 0 | 0 | 162691.78000000003 1000 | Hotels,motels et pensions | 901199 | 0 | 4112.18 | 1590510.53 | 26513.58 | 340954.28 | 118631.94 | 0 | 2981921.5100000002 1100 | Transport | 1583514 | 140227.64 | 126298.15 | 217554.29 | 864912.9 | 67489 | 0 | 0 | 2999995.98 1200 | Immobilier résidentiel / Avance Hypothécaire | 1708159 | 292817.95 | 1288768.4 | 245336.48 | 2571857.71 | 294918.04 | 2915350.4 | 0 | 9317207.979999999 1300 | Immobilier commercial | 1918481 | 25980.43 | 1169509.16 | 2815214.41 | 4074065.82 | 132290.9 | 957670.74 | 0 | 11093212.46 1400 | Télécommunications | 85375 | 0 | 19162.88 | 109098 | 147324.95 | 30603.88 | 0 | 0 | 391564.71 1500 | Services financiers | 157052 | 0 | 268773.08 | 1687293.83 | 3730110.94 | 1493343.68 | 0 | 128706.57 | 7465280.1 1510 | Services professionnels | 746533 | 26328.82 | 85110.33 | 109954.64 | 222195.89 | 162420.57 | 0 | 0 | 1352543.25 1520 | Services médicaux | 562 | 397.52 | 2268.01 | 3663.67 | 16572.78 | 48309 | 0 | 0 | 71772.98 1530 | Services d'agence ou de représentation | 1742 | 941.22 | 11760.56 | 12334.25 | 27475.5 | 9867.95 | 0 | 0 | 64121.479999999996 1540 | Services d'enseignement | 24811 | 0 | 16313.58 | 156343.37 | 9691.07 | 27585.99 | 0 | 0 | 234745.01 1550 | Autres services | 35275 | 10498.45 | 21504.73 | 669186.53 | 319218.96 | 367621.9 | 0 | 0 | 1423305.5699999998 1560 | Crédit à la consommation | 2889189 | 49689.64 | 1282488.35 | 3413188.36 | 1726360.63 | 245032.82 | 120737.98 | 2079.31 | 9728766.090000002 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprise d'Élevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 14388284 | 1330577.7099999997 | 8574671.979999999 | 26416606.560000006 | 31758653.639999997 | 7903541.660000001 | 4129252.6599999997 | 812236.95 | 95313825.16 (1) Commerce de gros Import-export | 33547 | 48467.25 | 646849.78 | 960684.54 | 1866081.11 | 108136 | 0 | 0 | 3663765.68 Produits pétroliers | 0 | 0 | 80488.62 | 74623.57 | 21063.62 | 95992 | 0 | 0 | 272167.81 Produits pharmaceutiques | 0 | 0 | 14207.32 | 126756.56 | 106678.27 | 14926 | 0 | 0 | 262568.15 Produits alimentaires | 382121 | 13293.6 | 532945.56 | 1941057.5 | 1156711.21 | 614650 | 0 | 132600 | 4773378.87 Matériaux de construction | 0 | 104104.2 | 29465.09 | 371155.82 | 626894.44 | 697653 | 0 | 0 | 1829272.5499999998 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 837270 | 108136.99 | 114671.76 | 994881.84 | 681205.65 | 110021 | 0 | 0 | 2846187.2399999998 S-Total | 1252938 | 274002.04 | 1418628.1300000001 | 4469159.83 | 4458634.3 | 1641378 | - | 132600 | 13647340.300000003 (2) Commerce de détail Produits pétroliers | 19893 | 5361.76 | 2210.09 | 60790.06 | 124025.57 | 1081 | 0 | 0 | 213361.48 Produits pharmaceutiques | 9329 | 0 | 954.99 | 15980.58 | 2902.05 | 26309 | 0 | 0 | 55475.619999999995 Véhicules automobiles | 15408 | 0 | 92985.8 | 1126906.92 | 3809917.59 | 241294 | 0 | 0 | 5286512.31 Produits alimentaires | 2298 | 0 | 283293.83 | 540529.04 | 670830.56 | 102056 | 0 | 0 | 1599007.4300000002 Librairie ,papeterie | 1077 | 0 | 0 | 26802.12 | 22377.04 | 3 | 0 | 0 | 50259.16 Appareils électro- ménagers électroni.équip. inform. | 25378 | 0 | 37048.65 | 213057.23 | 251921.09 | 255725 | 0 | 33852.6 | 816982.57 Matériaux de construction | 0 | 0 | 0 | 161378.9 | 548251.68 | 108 | 0 | 0 | 709738.5800000001 Autres | 40003 | 396939.18 | 197232.09 | 1596507.36 | 859834.85 | 94306 | 93.11 | 0 | 3184915.59 S-Total | 113386 | 402300.94 | 613725.4500000001 | 3741952.21 | 6290060.429999999 | 720882 | 93.11 | 33852.6 | 11916252.74 [Secteur d'activité sept. 17 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le

fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.781524015802643e-07 | 0.0005779394853507632 | 0.02066266748705913 | 0 | 0 | 0 | 0.007045040935801218 200 | Industrie alimentaire | 0.046538767235898316 | 0.0009088533431091373 | 0.04536876523176343 | 0.003432846296666803 | 0.051572406644376886 | 0.06368259973213071 | 0.004060901906641867 | 0.18170040158847736 | 0.036259894870428466 210 | Industrie des boissons | 9.730138771239155e-07 | 0 | 0.0003489031425316401 | 0.02936705470621204 | 0.07760267698804124 | 0.030020222604861927 | 0 | 0.0879053827826966 | 0.03726643300735619 220 | Industrie du bois | 0.0012660995571118834 | 0 | 2.9902018479312143e-06 | 2.8097098630521446e-05 | 3.1309576636070525e-05 | 0.003843636347707946 | 0 | 0 | 0.0005283342675154052 230 | Industrie chimique | 0 | 0 | 0.0016264388926513784 | 0.011345338748157512 | 0.0022433022762107244 | 0.005738176877023002 | 0 | 0.17457489467820936 | 0.0060016885172715475 240 | Industrie du textile | 0.003566929871553828 | 0 | 0.028497001467804258 | 0.02769378793367621 | 0.0003130882093652885 | 0.014849760404755047 | 0 | 0 | 0.012113240634943373 250 | Industrie pharmaceutique | 0 | 0 | 0.00847691085671128 | 1.959335688421594e-05 | 0.0005543471772942577 | 0.017053740689715047 | 0 | 0 | 0.002366861151793061 260 | Imprimerie, édition | 0.0017785303654000713 | 0 | 0.000323729001701124 | 0.004971141153264008 | 0.001045358546251018 | 0.006364946521962155 | 0 | 0 | 0.0025514803292362165 270 | Sidérurgie, aciérie | 0.022066634214337164 | 0 | 0.013636093633986454 | 0.014123902672834445 | 0 | 0.04599580866889489 | 0 | 0 | 0.012286375014686277 280 | Industrie de la fabrication | 0.003671945869291988 | 0.002405023003128469 | 0.04219387643560915 | 0.04543638060679054 | 0.01926710580795263 | 0.023393947669784282 | 0 | 1.3665962869578884e-06 | 0.025336305577351354 290 | Autres industries | 0 | 0 | 0.002885825843567721 | 0.0001684126229421346 | 0.0074120128853170115 | 0.013817828095056816 | 0 | 0.18986750110297249 | 0.005539769588657646 300 | Production et distribution de l'électricité | 0.051920298487297026 | 0 | 0.008042873262190959 | 0.05080396102170663 | 0.003947900355639888 | 0.0004313015792972994 | 0 | 0 | 0.02399301524370801 400 | Production et distribution de gaz | 0 | 0.00034332455486572075 | 3.4170403332443285e-07 | 0.0002212176642267408 | 6.228538597456741e-06 | 0.011818969775633471 | 0 | 0 | 0.0010482540159549715 500 | Traitement et distribution de l'eau | 0 | 0.0014233441502638732 | 0.03648089521437298 | 0.0009509593877223567 | 0.0016119732461051522 | 0 | 0 | 0 | 0.00410245627372112 600 | Entrep/ batiment et corps/ métiers corresp. | 0.06893504465160682 | 0.07180656889254519 | 0.07264523371306854 | 0.08243512220443197 | 0.04205770040319631 | 0.052922483108667505 | 0 | 0 | 0.05919327485313989 700 | Commerce de gros(1) | 0.08708050244212583 | 0.20592713070475233 | 0.1654440127049618 | 0.16917993724323382 | 0.14039116269035892 | 0.20767631532924694 | 0 | 0.16325285373929369 | 0.1431832341959908 800 | Commerce de détail(2) | 0.007880369889835368 | 0.3054130525003309 | 0.07157421898254353 | 0.141651510064357 | 0.198058157669432 | 0.09121002343144477 | 2.2548874497788665e-05 | 0.04167823194943298 | 0.12506398520875395 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006677446733745316 | 0.0007620073539335031 | 0.0014328979614214934 | 6.459118797581091e-05 | 0.0007010945820434976 | 0.0037125305669610397 | 0 | 0 | 0.0017069064191568748 1

000 | Hotels,motels et pensions | 0.06263422378929968 | 0 | 0.0004795728640805687 | 0.06020873749955262 | 0.0008348458439247616 | 0.043139429722446734 | 0.028729639420998765 | 0 | 0.0312852989059494 1100 | Transport | 0.11005579261571428 | 0.10538853833647946 | 0.014729210667718162 | 0.008235512366278735 | 0.027233928421658372 | 0.008539083224114997 | 0 | 0 | 0.03147493005305381 1200 | Immobilier résidentiel | 0.11871874366672218 | 0.22006828146850593 | 0.15029944037579385 | 0.009287206494247002 | 0.08098132052930442 | 0.03731466887719295 | 0.7060237384456877 | 0 | 0.0977529541423768 1300 | Immobilier commercial | 0.13333633114275475 | 0.019525676557440606 | 0.13639112524978478 | 0.10656987314422112 | 0.1282820697055217 | 0.01673817962768858 | 0.231923502593324 | 0 | 0.11638618470487583 1400 | Télécommunications | 0.005933647125675306 | 0 | 0.002234823681266931 | 0.004129902141374815 | 0.004638891549685984 | 0.003872172921525411 | 0 | 0 | 0.0041081627911029065 1500 | Services financiers | 0.010915269673576084 | 0 | 0.031344998459054765 | 0.0638724669713974 | 0.11745179698996838 | 0.18894613886301698 | 0 | 0.15845938799016718 | 0.07832316127768763 1510 | Services professionnels | 0.051884783480782 | 0.01978751019359854 | 0.009925782607021665 | 0.004162330227777749 | 0.00699638884313863 | 0.02055035286547727 | 0 | 0 | 0.014190420410990041 1520 | Services médicaux | 3.9059557067402894e-05 | 0.00029875744724447553 | 0.0002645010800751355 | 0.00013868813890530228 | 0.000521835093762495 | 0.00611232306707421 | 0 | 0 | 0.0007530175174432166 1530 | Services d'agence ou de représentation | 0.00012107072671070435 | 0.0007073769483181859 | 0.0013715463433972667 | 0.0004669127343054163 | 0.0008651342815551422 | 0.0012485478567085834 | 0 | 0 | 0.0006727406007718345 1540 | Services d'enseignement | 0.0017243890932372478 | 0 | 0.0019025310866760414 | 0.005918374475725998 | 0.00030514738155631717 | 0.003490332712436161 | 0 | 0 | 0.0024628642235891987 1550 | Autres services | 0.0024516474653961517 | 0.007890144199093794 | 0.00250793616947199 | 0.02533203984698328 | 0.010051400906930892 | 0.04651356516035622 | 0 | 0 | 0.014932834429955428 1560 | Crédit à la consommation | 0.20080149933098346 | 0.03734441034639007 | 0.1495670450124904 | 0.1292061625041668 | 0.05435874736911549 | 0.031002913698818912 | 0.029239668758849938 | 0.0025599795724634295 | 0.1020708808367376 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Élevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1.0000000000000004 | 1.0000000000000004 | 0.9999999999999998 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.002331549752562571 | 0.03642571917126134 | 0.07543726238260139 | 0.03636668993869437 | 0.058758193314897726 | 0.013681967483929221 | 0 | 0 | 0.03843897434448533 Produits pétroliers | 0 | 0 | 0.009386787061678364 | 0.0028248734306773123 | 0.0006632403325017024 | 0.012145441136322167 | 0 | 0 | 0.0028554914205061164 Produits pharmaceutiques | 0 | 0 | 0.0016568937019559322 | 0.004798366501469369 | 0.003359029989408582 | 0.0018885204433780384 | 0 | 0 | 0.002754775076535183 Produits alimentaires | 0.026557788267176266 | 0.009990848260940733 | 0.06215346327452168 | 0.0734786845385034 | 0.036421922135361655 | 0.07776893276981853 | 0 | 0.16325285373929369 | 0.05008065579140377 Matériaux de construction | 0 | 0.07823984966650314 | 0.003436293547872837 | 0.014050094555369716 | 0.019739326707805614 | 0.08827093346402376 | 0 | 0 | 0.019192100903822333 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.05819109492139577 | 0.08127070609051465 | 0.013373311570106267 | 0.037661227899969896 | 0.02144944989550886 | 0.013920468156297413 | 0 | 0 | 0.029861221446334827 S-Total | 0.0870804329411346 | 0.20592712318921985 | 0.165444011538736

47 | 0.16917993686468405 | 0.14039116237548416 | 0.20767626345376913 | - | 0.16325285373929369 | 0.14318321898308756 (2) Commerce de détail Produits pétroliers | 0.0013825832184018608 | 0.004029648144338749 | 0.000257746302733787 | 0.0023012062454701595 | 0.0039052527668802027 | 0.00013677412563926433 | 0 | 0 | 0.0022385155526161867 Produits pharmaceutiques | 0.0006483747471206434 | 0 | 0.00011137335658174065 | 0.0006049444679316902 | 9.137824395505453e-05 | 0.0033287608431483862 | 0 | 0 | 0.0005820311996384051 Véhicules automobiles | 0.0010708712727660922 | 0 | 0.010844239898259061 | 0.04265903409813284 | 0.11996470735778962 | 0.03052985742090717 | 0 | 0 | 0.05546427604941587 Produits alimentaires | 0.00015971327783076842 | 0 | 0.033038445162773454 | 0.020461713686513713 | 0.021122764447265154 | 0.01291269210568063 | 0 | 0 | 0.016776238151346903 Librairie ,papeterie | 7.485256754731835e-05 | 0 | 0 | 0.0010145936019119025 | 0.0007045966196695486 | 3.7957666689897596e-07 | 0 | 0 | 0.0005273018884262771 Appareils électro- ménagers électroni.équip. inform. | 0.0017637961552607662 | 0 | 0.004320707554343089 | 0.008065276269156048 | 0.00793236051048164 | 0.032355747714246874 | 0 | 0.04167823194943298 | 0.008571501234249698 Matériaux de construction | 0 | 0 | 0 | 0.006108994341625988 | 0.017263064304132766 | 1.3664760008363135e-05 | 0 | 0 | 0.0074463340319055145 Autres | 0.0027802481518991425 | 0.29832093008682675 | 0.023001706707852402 | 0.06043574735361466 | 0.02707403341925801 | 0.011932119049524943 | 2.2548874497788665e-05 | 0 | 0.03341504324953482 S-Total | 0.007880439390826593 | 0.3023505782311655 | 0.07157421898254353 | 0.141651510064357 | 0.198058157669432 | 0.09120999559582253 | 2.2548874497788665e-05 | 0.04167823194943298 | 0.12502124135713366 [Secteur d'activité sept. 17glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2017 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1366324 | 680377.85 | 2032353.5899999999 | 8211112.05 | 10748694.739999998 | 2362260.63 | 93.11 | 166452.6 | 25567668.569999997 Services et Autres ( 1500 à 1550 ; 1570 à 1600 ; 900 ; 1000 ) | 1963251 | 39179.920000000006 | 422129.10000000003 | 4230993.1 | 4374044.54 | 2479445.51 | 118631.94 | 128706.57 | 13756381.68 Industries Manufacturières ( 200 à 290 ) | 1135090 | 4409.37 | 1229269.56 | 3608153.2900000005 | 5082705.999999999 | 1776405.3000000003 | 16768.49 | 514998.47 | 13367800.48 Prêts aux Particuliers ( 1560 ) | 2889189 | 49689.64 | 1282488.35 | 3413188.36 | 1726360.63 | 245032.82 | 120737.98 | 2079.31 | 9728766.090000002 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3626640 | 318798.38 | 2458277.5599999996 | 3060550.89 | 6645923.529999999 | 427208.93999999994 | 3873021.1399999997 | 0 | 20410420.439999998 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1668889 | 140227.64 | 145461.03 | 326652.29000000004 | 1012237.8500000001 | 98092.88 | 0 | 0 | 3391560.69 Bâtiments et Travaux Publics ( 600 ) | 991857 | 95544.22 | 622909.05 | 2177656.19 | 1335695.94 | 418275.05 | 0 | 0 | 5641937.45 Électricité, Gaz et Eau ( 300 à 500 ) | 747044 | 2350.69 | 381779.64 | 1373033.1900000002 | 176771.91 | 96820.53 | 0 | 0 | 2777799.9600000004 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.1 | 15267.2 | 656218.5 | 0 | 0 | 0 | 671489.8 Total | 14388284 | 1330577.7100000002 | 8574671.979999999 | 26416606.560000002 | 31758653.64 | 7903541.659999999 | 4129252.6599999997 | 812236.9500000001 | 95313825.16 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.0949608723319612 | 0.511340183205083 | 0.23701823168750535 | 0.3108314473075909 | 0.33844932035979086 | 0.29888633876069176 | 2.2548874497788665e-05 | 0.20493108568872667 | 0.2682472194047447 Services et Autres ( 1500 à 1550 ; 1570 à 1600 ; 900 ; 1000 ) | 0.1364478905198146 | 0.029445

796142188493 | 0.04922976657119892 | 0.16016414108262356 | 0.1377276439228801 | 0.3137132208144772 | 0.028729639420998765 | 0.15845938799016715 | 0.14432724378554362 Industries Manufacturières ( 200 à 290 ) | 0.07888988012747038 | 0.003313876346237605 | 0.14336053470817436 | 0.13658655519605847 | 0.16004160811144508 | 0.22476066761189192 | 0.004060901906641867 | 0.6340495467486427 | 0.14025038295923953 Prêts aux Particuliers ( 1560 ) | 0.20080149933098346 | 0.03734441034639006 | 0.1495670450124904 | 0.12920616250416683 | 0.05435874736911548 | 0.03100291369881892 | 0.029239668758849938 | 0.002559979572463429 | 0.1020708808367376 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.2520550748094769 | 0.23959395802594646 | 0.2866905656255786 | 0.11585707963846814 | 0.20926339023482607 | 0.05405284850488154 | 0.9379472410390116 | 0 | 0.2141391388472526 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.11598943974138959 | 0.10538853833647942 | 0.016964034348985094 | 0.012365414507653553 | 0.031872819971344356 | 0.01241125614564041 | 0 | 0 | 0.035583092844156713 Bâtiments et Travaux Publics ( 600 ) | 0.06893504465160682 | 0.07180656889254516 | 0.07264523371306854 | 0.08243512220443198 | 0.042057700403196306 | 0.05292248310866752 | 0 | 0 | 0.05919327485313989 Électricité, Gaz et Eau ( 300 à 500 ) | 0.051920298487297026 | 0.0017666687051295935 | 0.04452411018059726 | 0.05197613807365574 | 0.005566102140342496 | 0.012250271354930772 | 0 | 0 | 0.029143725533384107 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.781524015802643e-07 | 0.0005779394853507633 | 0.02066266748705913 | 0 | 0 | 0 | 0.007045040935801218 Total | 1.0000000000000002 | 0.9999999999999998 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 [Secteur d'activité juin 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2017 | AU30 JUIN 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 33.00083 | 3407.688 | 724989.1 | 0 | 0 | 0 | 0 | 728429.78883 200 | Industrie alimentaire | 609570 | 9972.45242 | 371053.16452 | 48864.158 | 1724057.33 | 523157.321 | 43416.32 | 135436.28663 | 0 | 3465527.03257 210 | Industrie des boissons | 1307 | 0 | 3027.3905600000003 | 849453.487 | 2600850.86 | 203609.831 | 0 | 71400 | 0 | 3729648.5685599996 220 | Industrie du bois | 27907 | 0 | 0 | 817.606 | 0 | 31393.975 | 0 | 0 | 0 | 60118.581 230 | Industrie chimique | 0 | 0 | 14168.43999 | 404534.91 | 91629.49 | 62229.462 | 0 | 130125.0597 | 0 | 702687.3616899999 240 | Industrie du textile | 59082 | 0 | 250866.77469999998 | 696720.091 | 9880.72 | 61351.985 | 0 | 0 | 0 | 1077901.5707 250 | Industrie pharmacie | 0 | 0 | 59866.315729999995 | 708.214 | 22889.06 | 165573.769 | 0 | 0 | 0 | 249037.35872999998 260 | Imprimerie, édition | 99127 | 0 | 6327.462219999999 | 141081.008 | 108963.26 | 82874.736 | 0 | 0 | 0 | 438373.46622000006 270 | Sidérurgie, aciérie | 317516 | 0 | 129658.77097 | 386674.73 | 81786.02 | 282135.054 | 0 | 0 | 0 | 1197770.57497 280 | Industrie de la fabrication | 54661 | 3160.19415 | 275856.32536 | 1226333.304 | 730077.65 | 121965.937 | 0 | 0 | 0 | 2412054.41051 290 | Autres industries | 0 | 0 | 18155.116710000002 | 4660.112 | 120219.35 | 86933.632 | 0 | 0 | 0 | 229968.21071 300 | Production et distribution de l'électricité | 364177 | 0 | 223889.13402

| 1487434.441 | 124703.2 | 3823.731 | 0 | 173337.448 | 0 | 2377364.95402 400 | Production et distribution de gaz | 0 | 900.74772 | 0 | 4816.642 | 240.09 | 96366.808 | 0 | 0 | 0 | 102324.28772000001 500 | Traitement et distribution de l'eau | 0 | 2379.72675 | 308654.47486 | 22457.285 | 39184.68 | 10.434 | 0 | 0 | 0 | 372686.60060999996 600 | Entrep/ batiment et corps/ métiers corresp. | 1012458 | 100290.20122999999 | 669821.15472 | 1796279.962 | 1142739.8 | 335208.827 | 0 | 0 | 0 | 5056797.944949999 700 | Commerce de gros(1) | 987894 | 266702.50534000003 | 1494230.10228 | 4226547.857 | 3696800.26 | 1285858.518 | 0 | 132600 | 0 | 12090633.242619999 800 | Commerce de détail(2) | 116979 | 406132.4997 | 329560.08626999997 | 4107586.302 | 3986175.3 | 609134.5 | 220.68 | 44893.152 | 0 | 9600681.519970002 900 | Rest/débits/boissons, casinos/activités/loterie | 95929 | 1126.51548 | 14313.146279999999 | 2278.352 | 22559.24 | 32921.555 | 0 | 0 | 0 | 169127.80875999999 1000 | Hotels,motels et pensions | 824739 | 0 | 4176.98035 | 1600853.994 | 30806.5 | 341924.623 | 309105.4 | 0 | 0 | 3111606.49735 1100 | Transport | 1577751 | 143148.1405 | 139417.12642 | 275079.046 | 911747.53 | 69870.234 | 0 | 0 | 0 | 3117013.07692 1200 | Immobilier résidentiel / Avance Hypothécaire | 1593406 | 298031.35456999997 | 1214025.8549000002 | 229209.937 | 2691718.91 | 337077.682 | 2667528.76 | 0 | 0 | 9030998.49847 1300 | Immobilier commercial | 1957568 | 26547.4025 | 920305.7325299999 | 1477381.976 | 4065714.14 | 144639.911 | 956784.02 | 0 | 0 | 9548941.18203 1400 | Télécommunications | 98110 | 0 | 19090.70193 | 123031.754 | 167269.05 | 32574.53 | 0 | 0 | 0 | 440076.03593 1500 | Services financiers | 82268 | 0 | 113665.87138 | 1637522.969 | 3562884.73 | 1558213.491 | 0 | 118623.69665000001 | 0 | 7073178.758030001 1510 | Services professionnels | 773411 | 26514.18563 | 70716.96675 | 111139.543 | 248781.66 | 146381.1 | 0 | 0 | 0 | 1376944.45538 1520 | Services médicaux | 0 | 500.01556 | 4511.57466 | 1788.5 | 14886.98 | 45770.503 | 0 | 0 | 0 | 67457.57321999999 1530 | Services d'agence ou de représentation | 896 | 941.2188100000001 | 8.02929 | 11909.261 | 25005.99 | 1450.141 | 0 | 0 | 0 | 40210.640100000004 1540 | Services d'enseignement | 23517 | 0 | 15569.11289 | 129217.094 | 12500.25 | 17408.36 | 0 | 0 | 0 | 198211.81689000002 1550 | Autres services | 339871 | 10341.215380000001 | 19119.24896 | 1885328.328 | 325091.95 | 381844.191 | 0 | 0 | 0 | 2961595.9333400005 1560 | Crédit à la consommation | 2957133 | 62276.44992 | 1175159.4515999998 | 2033751.011 | 1833236.36 | 189121.917 | 89433.7 | 3208.9697 | 0 | 8343320.859220001 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 13975277 | 1358964.8256599999 | 7865247.5116799995 | 24926869.562000006 | 29117389.459999997 | 7250826.757999999 | 4066488.88 | 809624.61268 | 0 | 89370688.61002 (1) Commerce de gros Import-export | 49739 | 36742.859079999995 | 731204.49127 | 829095.211 | 1499586.78 | 128551 | 0 | 0 | 0 | 3274919.3413500004 Produits pétroliers | 0 | 0 | 82156.21687 | 0 | 6225.5 | 83036 | 0 | 0 | 0 | 171417.71687 Produits pharmaceutiques | 0 | 0 | 11928.65419 | 0 | 112608.9 | 15850 | 0 | 0 | 0 | 140387.55419 Produits alimentaires | 759826 | 13664.00651 | 520685.40427999996 | 1935565.17 | 945829.52 | 505682 | 0 | 132600 | 0 | 4813852.10079 Matériaux de construction | 0 | 103596.16662999999 | 35617.69318 | 0 | 673613.14 | 440618 | 0 | 0 | 0 | 1253444.99981 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 178329 | 112699.47312000001 | 112637.64249 | 1461887.477 | 458936.43 | 112121 | 0 | 0 | 0 | 2436611.02261 S-Total | 987894 | 266702.50534000003 | 1494230.10228 | 4226547.858 | 3696800.2700000005 | 1285858 | - | 132600 | 0 | 12090632.735619998 (2

) Commerce de détail Produits pétroliers | 21023 | 5456.08876 | 2346.23014 | 135878.049 | 132821.41 | 16887 | 0 | 0 | 314411.7779 Produits pharmaceutiques | 10132 | 0 | 1378.041 | 2918.275 | 2608.75 | 22571 | 0 | 0 | 0 | 39608.066 Véhicules automobiles | 16750 | 0 | 121821.91031 | 1136821.984 | 1772200 | 173620 | 0 | 0 | 0 | 3221213.89431 Produits alimentaires | 2629 | 0 | 64379.304509999994 | 896311.734 | 544816.54 | 96606 | 0 | 0 | 0 | 1604742.5785100001 Librairie ,papeterie | 1083 | 0 | 0 | 34696.289 | 25067.93 | 12906 | 0 | 0 | 0 | 73753.219 Appareils électro- ménagers électroni.équip. inform. | 25799 | 0 | 36362.946200000006 | 543477.312 | 276184.12 | 197742 | 0 | 44893.152 | 0 | 1124458.5302000002 Matériaux de construction | 0 | 0 | 7904.55363 | 166653.601 | 509612.29 | 363 | 0 | 0 | 0 | 684533.44463 Autres | 39564 | 400676.41094 | 95367.10048000001 | 1190829.058 | 722864.25 | 88439 | 220.68 | 0 | 0 | 2537960.4994200002 S-Total | 116980 | 406132.4997 | 329560.08627 | 4107586.301999999 | 3986175.2900000005 | 609134 | 220.68 | 44893.152 | 0 | 9600682.00997 [Secteur d'activité juin 17 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.195777685443887e-06 | 0.00013670741893698842 | 0.024898835831280598 | 0 | 0 | 0 | #DIV/0! | 0.008150656553723034 200 | Industrie alimentaire | 0.043617740099176565 | 0.007338271183845205 | 0.04717628580270119 | 0.001960300625734866 | 0.05921057354294839 | 0.07215140265526118 | 0.010676611022725827 | 0.16728281787491864 | #DIV/0! | 0.038776998213499884 210 | Industrie des boissons | 9.352229655269087e-05 | 0 | 0.0003849072207205538 | 0.03407782452935675 | 0.08932294097219524 | 0.0280809123973832 | 0 | 0.08818901856707818 | #DIV/0! | 0.041732346774620704 220 | Industrie du bois | 0.0019968834964773866 | 0 | 0 | 3.280018768367155e-05 | 0 | 0.004329709707291286 | 0 | 0 | #DIV/0! | 0.0006726879017608875 230 | Industrie chimique | 0 | 0 | 0.0018013978541628441 | 0.016228869373019743 | 0.0031468992138143424 | 0.008582395370478385 | 0 | 0.16072270736590274 | #DIV/0! | 0.007862615502004944 240 | Industrie du textile | 0.004227608511802664 | 0 | 0.03189559824118178 | 0.027950565122791083 | 0.00033934086067618233 | 0.008461377860436258 | 0 | 0 | #DIV/0! | 0.012061018970140829 250 | Industrie pharmacie | 0 | 0 | 0.007611498003222111 | 2.841167031578018e-05 | 0.0007860958837482267 | 0.022835157220839508 | 0 | 0 | #DIV/0! | 0.0027865664078824005 260 | Imprimerie, édition | 0.007093025776877267 | 0 | 0.000804483547479419 | 0.0056597964557519986 | 0.003742205672307548 | 0.011429694677032858 | 0 | 0 | #DIV/0! | 0.004905114563152765 270 | Sidérurgie, aciérie | 0.022719835893056 | 0 | 0.016485021072439866 | 0.015512366245518041 | 0.0028088376573852376 | 0.03891074265272082 | 0 | 0 | #DIV/0! | 0.01340227532761462 280 | Industrie de la fabrication | 0.003911264155980593 | 0.00232544219712619 | 0.035072809209163426 | 0.04919724480243179 | 0.02507359566017908 | 0.016820969672931747 | 0 | 0 | #DIV/0! | 0.026989323323168026 290 | Autres industries | 0 | 0 | 0.0023082702334592023 | 0.00018695135337427811 | 0.004128781880159665 | 0.011989478565886873 | 0 | 0 | #DIV/0! | 0.0025731950182625828 300 | Production et distribution de l'électricité | 0.026058660590

412626 | 0 | 0.028465618365794795 | 0.05967193101806627 | 0.0042827740505827615 | 0.0005273510356293083 | 0 | 0.21409607030871075 | #DIV/0! | 0.026601170820042853 400 | Production et distribution de gaz | 0 | 0.000662819009728629 | 0 | 0.00019323092247984375 | 8.245588098817154e-06 | 0.013290457932080137 | 0 | 0 | #DIV/0! | 0.0011449423665795464 500 | Traitement et distribution de l'eau | 0 | 0.0017511319682937732 | 0.03924281777549199 | 0.000900926806879722 | 0.0013457483904534071 | 1.4390083156362733e-06 | 0 | 0 | #DIV/0! | 0.004170121170669993 600 | Entrep/ batiment et corps/ métiers corresp. | 0.07244636367493824 | 0.07379896766738807 | 0.08516212029250274 | 0.07206199549173858 | 0.039245956495167204 | 0.04623042836186323 | 0 | 0 | #DIV/0! | 0.05658228691753691 700 | Commerce de gros(1) | 0.07068868831723335 | 0.19625416368703458 | 0.18997877689939802 | 0.16955790804326265 | 0.1269619402205846 | 0.17733957256409189 | 0 | 0.16377960591028803 | #DIV/0! | 0.13528633862696265 800 | Commerce de détail(2) | 0.008370424428796652 | 0.2988543132474059 | 0.04190079025238542 | 0.164785485469136 | 0.13690016082918446 | 0.08400897171180215 | 5.4267946258345606e-05 | 0.05544934195045746 | #DIV/0! | 0.10742539493976327 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006864193103292336 | 0.0008289511683666223 | 0.0018197960405880148 | 9.140144912032012e-05 | 0.0007747686320228244 | 0.004540386372309462 | 0 | 0 | #DIV/0! | 0.0018924304085650497 1000 | Hotels,motels et pensions | 0.059014143333259154 | 0 | 0.0005310678835977033 | 0.06422202314728025 | 0.0010580103701370762 | 0.04715663943049624 | 0.0760128477223329 | 0 | #DIV/0! | 0.0348168571345341 1100 | Transport | 0.11289586603542813 | 0.10533616308316013 | 0.017725713807857115 | 0.011035442910944049 | 0.03131281845347135 | 0.009636174788331635 | 0 | 0 | #DIV/0! | 0.034877353250812135 1200 | Immobilier résidentiel | 0.11401605850102291 | 0.21930762955932798 | 0.15435316601253238 | 0.009195295720142138 | 0.09244368949001242 | 0.046488172073356274 | 0.6559783731659927 | 0 | #DIV/0! | 0.10105101167876053 1300 | Immobilier commercial | 0.14007364576745063 | 0.01953501812462798 | 0.11700912541701115 | 0.05926865274138588 | 0.13963182192501403 | 0.019948057763263416 | 0.23528504521571444 | 0 | #DIV/0! | 0.10684645413999191 1400 | Télécommunications | 0.007020254410699695 | 0 | 0.0024272220170630417 | 0.004935708180041865 | 0.005744644458246705 | 0.004492526312818023 | 0 | 0 | #DIV/0! | 0.004924165213164307 1500 | Services financiers | 0.005886681172759581 | 0 | 0.014451658541095449 | 0.065693085324133 | 0.12236278032048552 | 0.21490149234096487 | 0 | 0.14651691017314147 | #DIV/0! | 0.07914427949520102 1510 | Services professionnels | 0.05534137176672777 | 0.019510575350707125 | 0.008991066923829715 | 0.004458624165524085 | 0.008544092194177082 | 0.020188194379143657 | 0 | 0 | #DIV/0! | 0.015407114757596494 1520 | Services médicaux | 0 | 0.0003679385592317745 | 0.0005736087330119301 | 7.174988401778678e-05 | 0.0005112745433601107 | 0.006312452983309852 | 0 | 0 | #DIV/0! | 0.0007548064613707903 1530 | Services d'agence ou de représentation | 6.411321936588448e-05 | 0.0006925998320397176 | 1.0208566212412762e-06 | 0.0004777680153690531 | 0.0008587991734063925 | 0.00019999664154160448 | 0 | 0 | #DIV/0! | 0.00044993096422770205 1540 | Services d'enseignement | 0.0016827573435574837 | 0 | 0.0019794816204931447 | 0.005183847641943222 | 0.00042930531314190146 | 0.0024008793177678627 | 0 | 0 | #DIV/0! | 0.0022178615827267672 1550 | Autres services | 0.024319446405248354 | 0.007609626963654228 | 0.002430851531577062 | 0.07563438013388195 | 0.011164872814116628 | 0.0526621589156992 | 0 | 0 | #DIV/0! | 0.03313833628678066 1560 | Crédit à la consommation | 0.211597451699884 | 0.04582638839806217 | 0.1494116300669333 | 0.08158870514973811 | 0.0629601895636423 | 0.026082807286953523 | 0.021992854926975725 | 0.00396352784950268 | #DIV/0! | 0.09335634522888268 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0

| 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999999999999998 | 1 | 1 | 0.9999999999999998 | 1 | 1.0000000000000002 | 1 | 1 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.003559070779062197 | 0.02703738786039243 | 0.0929664947204969 | 0.033261104405341045 | 0.05150141574539355 | 0.017729150659704675 | 0 | 0 | #DIV/0! | 0.03664422186160514 Produits pétroliers | 0 | 0 | 0.010445471264317736 | 0 | 0.00021380694201835225 | 0.011451935451137972 | 0 | 0 | #DIV/0! | 0.001918052994063885 Produits pharmaceutiques | 0 | 0 | 0.0015166279474721914 | 0 | 0.0038674105779536463 | 0.0021859576195931507 | 0 | 0 | #DIV/0! | 0.0015708456136284052 Produits alimentaires | 0.05436929801105195 | 0.010054716834458086 | 0.06620076526603581 | 0.07764974920680333 | 0.03248332139456846 | 0.06974128839060591 | 0 | 0.16377960591028803 | #DIV/0! | 0.053863880604029316 Matériaux de construction | 0 | 0.07623167625378906 | 0.004528489806214902 | 0 | 0.023134393312469713 | 0.06076796684100283 | 0 | 0 | #DIV/0! | 0.014025236006399834 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.012760319527119212 | 0.082930382738395 | 0.01432092789486047 | 0.05864705447123564 | 0.015761592591618273 | 0.01546320216191821 | 0 | 0 | #DIV/0! | 0.02726409587423514 S-Total | 0.07068868831723335 | 0.19625416368703458 | 0.189978776899398 | 0.16955790808338 | 0.126961940564022 | 0.17733950112396274 | - | 0.16377960591028803 | #DIV/0! | 0.13528633295396172 (2) Commerce de détail Produits pétroliers | 0.0015042993423314615 | 0.004014885931539969 | 0.000298303408318151 | 0.00545106751820696 | 0.004561583729285325 | 0.002328975793190507 | 0 | 0 | #DIV/0! | 0.0035180637274931886 Produits pharmaceutiques | 0.0007249945743472562 | 0 | 0.00017520631079360062 | 0.00011707346535197468 | 8.959422696817548e-05 | 0.003112886399484984 | 0 | 0 | #DIV/0! | 0.00044318855114605497 Véhicules automobiles | 0.0011985451164939342 | 0 | 0.01548863022162911 | 0.04560628767171946 | 0.06086397279655029 | 0.023944855641246866 | 0 | 0 | #DIV/0! | 0.03604329276644788 Produits alimentaires | 0.0001881179170903017 | 0 | 0.008185286529685918 | 0.03595765331746232 | 0.018711036604034902 | 0.01332344617024706 | 0 | 0 | #DIV/0! | 0.0179560279043221 Librairie ,papeterie | 7.749399171121975e-05 | 0 | 0 | 0.001391923238243003 | 0.0008609264245490504 | 0.0017799349551084669 | 0 | 0 | #DIV/0! | 0.000825250651495271 Appareils électro- ménagers électroni.équip. inform. | 0.0018460456991299706 | 0 | 0.004623242453082441 | 0.021802870619121343 | 0.009485195105811523 | 0.02727164868224535 | 0 | 0.05544934195045746 | #DIV/0! | 0.012581961129411382 Matériaux de construction | 0 | 0 | 0.0010049974420082307 | 0.006685701170196541 | 0.017501991059331732 | 5.006325652443619e-05 | 0 | 0 | #DIV/0! | 0.007659484952801986 Autres | 0.0028309993426248368 | 0.29483942731586593 | 0.012125123886867968 | 0.04777290846883438 | 0.024825860539216076 | 0.01219709185610086 | 0 | 0 | #DIV/0! | 0.028398130739427367 S-Total | 0.00837049598372898 | 0.2988543132474059 | 0.04190079025238542 | 0.16478548546913596 | 0.13690016048574707 | 0.08400890275414853 | - | 0.05544934195045746 | #DIV/0! | 0.10742540042254523 [Secteur d'activité juin 17 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2017 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1104873 | 672835.00504 | 1823790.18855 | 8334134.159 | 7682975.56 | 1894993.018 | 220.68 | 177493.152 | 0 | 21691314.76259 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2140631 | 39423.15086 | 242080.93056 | 5380038.041 | 4242517.300000001 | 2525913.9639999997 | 309105.4 | 118

623.69665000001 | 0 | 14998333.483070001 Industries Manufacturières ( 200 à 290 ) | 1169170 | 13132.646569999999 | 1128979.76076 | 3759847.62 | 5490353.739999998 | 1621225.7019999998 | 43416.32 | 336961.34633 | 0 | 13563087.135659998 Prêts aux Particuliers ( 1560 ) | 2957133 | 62276.44992 | 1175159.4515999998 | 2033751.011 | 1833236.36 | 189121.917 | 89433.7 | 3208.9697 | 0 | 8343320.859220001 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3550974 | 324578.75707 | 2134331.5874300003 | 1706591.913 | 6757433.050000001 | 481717.593 | 3624312.78 | 0 | 0 | 18579939.6805 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1675861 | 143148.1405 | 158507.82835 | 398110.8 | 1079016.58 | 102444.764 | 0 | 0 | 0 | 3557089.11285 Bâtiments et Travaux Publics ( 600 ) | 1012458 | 100290.20122999999 | 669821.15472 | 1796279.962 | 1142739.8 | 335208.827 | 0 | 0 | 0 | 5056797.944949999 Électricité, Gaz et Eau ( 300 à 500 ) | 364177 | 3280.4744699999997 | 532543.60888 | 1514708.368 | 164127.97 | 100200.973 | 0 | 173337.448 | 0 | 2852375.8423499996 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 33.00083 | 3407.688 | 724989.1 | 0 | 0 | 0 | 0 | 728429.78883 Total | 13975277 | 1358964.82566 | 7865247.51168 | 24926869.562000003 | 29117389.459999997 | 7250826.758 | 4066488.88 | 809624.6126799999 | 0 | 89370688.61002 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.07905911274603 | 0.4951084769344404 | 0.23187956715178343 | 0.33434339351239867 | 0.26386210104976904 | 0.261348544275894 | 5.4267946258345606e-05 | 0.21922894786074554 | #DIV/0! | 0.2427117335667259 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.15317270634421057 | 0.029009691873999464 | 0.030778552130814256 | 0.2158328797612697 | 0.14570390336084754 | 0.34836220038123267 | 0.0760128477223329 | 0.14651691017314147 | #DIV/0! | 0.16782161709100257 Industries Manufacturières ( 200 à 290 ) | 0.08365988022992317 | 0.009663713380971392 | 0.14354027118453036 | 0.15083513036597804 | 0.18855927134341385 | 0.22359184078026206 | 0.010676611022725827 | 0.4161945438078996 | #DIV/0! | 0.15176214200210764 Prêts aux Particuliers ( 1560 ) | 0.211597451699884 | 0.04582638839806216 | 0.14941163006693328 | 0.08158870514973812 | 0.0629601895636423 | 0.026082807286953523 | 0.021992854926975725 | 0.00396352784950268 | #DIV/0! | 0.09335634522888268 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.25408970426847355 | 0.23884264768395594 | 0.27136229142954355 | 0.06846394846152803 | 0.23207551141502647 | 0.06643622983661969 | 0.8912634183817072 | 0 | #DIV/0! | 0.20789746581875246 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.11991612044612783 | 0.1053361630831601 | 0.020152935824920157 | 0.015971151090985916 | 0.037057462911718055 | 0.014128701101149657 | 0 | 0 | #DIV/0! | 0.03980151846397644 Bâtiments et Travaux Publics ( 600 ) | 0.07244636367493824 | 0.07379896766738805 | 0.08516212029250274 | 0.07206199549173858 | 0.039245956495167204 | 0.046230428361863224 | 0 | 0 | #DIV/0! | 0.05658228691753691 Électricité, Gaz et Eau ( 300 à 500 ) | 0.026058660590412626 | 0.0024139509780224016 | 0.06770843614128677 | 0.06076608874742584 | 0.005636768029134986 | 0.01381924797602508 | 0 | 0.2140960703087108 | #DIV/0! | 0.031916234357292385 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.195777685443887e-06 | 0.00013670741893698844 | 0.024898835831280598 | 0 | 0 | 0 | #DIV/0! | 0.008150656553723034 Total | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999998 | 1 | 1 | 0.9999999999999998 | 1 | 1 | #DIV/0! | 0.9999999999999999 [Secteur d'activité mars 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 mars 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensembl

e des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 23.25581 | 4066.628 | 714465.13 | 2.199 | 0 | 0 | 0 | 718557.21281 200 | Industrie alimentaire | 523212 | 9972.45242 | 464970.92687 | 55414.358 | 1913902.01 | 386914.111 | 44995.29 | 184954.59248 | 0 | 3584335.7407700005 210 | Industrie des boissons | 1331 | 0 | 3055.86105 | 834659.013 | 2718960.41 | 333050.647 | 0 | 71400 | 0 | 3962456.93105 220 | Industrie du bois | 44017 | 0 | 0 | 1051.747 | 0 | 991.602 | 0 | 0 | 0 | 46060.349 230 | Industrie chimique | 0 | 0 | 222109.5366 | 433994.653 | 61440.75 | 55546.066 | 0 | 119166.13831000001 | 0 | 892257.1439099999 240 | Industrie du textile | 64303 | 0 | 247815.51309 | 730422.098 | 5284.23 | 217422.907 | 0 | 0 | 0 | 1265247.74809 250 | Industrie pharmacie | 0 | 0 | 47148.35615 | 800.878 | 7628.26 | 31600.515 | 0 | 0 | 0 | 87178.00915 260 | Imprimerie, édition | 41967 | 0 | 5263.05221 | 118588.597 | 76742.56 | 46702.109 | 0 | 0 | 0 | 289263.31821 270 | Sidérurgie, aciérie | 347036 | 0 | 111607.91109000001 | 422318.217 | 28183.54 | 318281.09 | 0 | 0 | 0 | 1227426.7580900001 280 | Industrie de la fabrication | 55908 | 3394.46677 | 321179.81545999995 | 1171284.903 | 292027.96 | 181265.127 | 0 | 0 | 0 | 2025060.27223 290 | Autres industries | 0 | 0 | 21251.54249 | 5416.283 | 80611.15 | 68902.872 | 0 | 0 | 0 | 176181.84749000001 300 | Production et distribution de l'électricité | 296388 | 0 | 306439.91486 | 1339357.622 | 138704.6 | 876.901 | 0 | 154999.488 | 0 | 2236766.52586 400 | Production et distribution de gaz | 0 | 1185.8063 | 6.80819 | 6298.239 | 0.07 | 110875.898 | 0 | 0 | 0 | 118366.82149 500 | Traitement et distribution de l'eau | 0 | 3798.0301600000003 | 319352.14338 | 25944.744 | 39538.65 | 5.978 | 0 | 0 | 0 | 388639.5455400001 600 | Entrep/ batiment et corps/ métiers corresp. | 990669 | 101380.83197 | 713296.4208600001 | 2521120.108 | 821369.71 | 356060.85931 | 0 | 0 | 0 | 5503896.93014 700 | Commerce de gros(1) | 1089800 | 292766.93299 | 1184121.93706 | 3828757.024 | 3541554.01 | 1370639.3369200001 | 0 | 132600 | 0 | 11440239.24097 800 | Commerce de détail(2) | 126197 | 444857.24362 | 339706.2093800001 | 4398770.173 | 4303131.71 | 554792.245 | 405.82 | 87187.212 | 0 | 10255047.612999998 900 | Rest/débits/boissons, casinos/activités/loterie | 103048 | 1198.96598 | 16240.107800000002 | 2425.967 | 21114.32 | 34803.577 | 0 | 0 | 0 | 178830.93777999998 1000 | Hotels,motels et pensions | 757020 | 0 | 4350.06168 | 1724013.987 | 35129.74 | 924164.178 | 312725.91000000003 | 0 | 0 | 3757403.87668 1100 | Transport | 1682081 | 151023.80558000001 | 163931.50694999998 | 266738.96 | 995635.39 | 55721.531 | 0 | 0 | 0 | 3315132.1935300003 1200 | Immobilier résidentiel / Avance Hypothécaire | 1511434 | 310319.12106 | 1152123.3084500001 | 239667.465 | 1904251.69 | 344674.54 | 2635371.2899999996 | 0 | 0 | 8097841.4145100005 1300 | Immobilier commercial | 1848627 | 28082.340170000003 | 805056.85733 | 1854782.489 | 4649712.84 | 175311.469 | 1114063.6 | 0 | 0 | 10475636.5955 1400 | Télécommunications | 192710 | 0 | 2938.3977200000004 | 113027.28 | 144004.78 | 37532.952 | 0 | 0 | 0 | 490213.40972000005 1500 | Services financiers | 72402 | 98560.46883 | 204117.46637 | 1303982.227 | 2477238.61 | 1492414.609 | 0 | 192546.40399000002 | 0 | 5841261.785189999 1510 | Services professionnels | 885078 | 27616.084059999997 | 68746.83884 | 111606.882 | 253282.38 | 170984.052 | 0 | 0 | 0 | 1517314.2369000001 1520 | Services médicaux | 0 | 726.99936 | 5303.1562699999995 | 1764.553 | 15148.5 | 43153.913 | 0 | 0 | 0 | 66097.12163000001 1530 | Services d'agence ou de représentation | 197 | 941.21881

00000001 | 24.3436 | 11741.925 | 16999.53 | 25457.8691 | 0 | 0 | 0 | 55361.88651 1540 | Services d'enseignement | 19646 | 0 | 14784.77707 | 108118.604 | 4931.29 | 18782.085 | 0 | 0 | 0 | 166262.75607 1550 | Autres services | 410555 | 16261.32726 | 8530.9971 | 682177.252 | 311839.48 | 345835.75 | 0 | 0 | 0 | 1775199.8063599998 1560 | Crédit à la consommation | 2912302 | 81983.70218000001 | 1176141.23645 | 3177463.831 | 1498009.87 | 229363.929 | 173740.22 | 4338.44254 | 0 | 9253343.23117 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 13975928 | 1574069.79752 | 7929638.260180001 | 25495776.707000002 | 27070843.17 | 7932130.917330001 | 4281302.13 | 947192.2773200001 | 0 | 89206881.25935 (1) Commerce de gros Import-export | 72728 | 38183.3037 | 666032.88226 | 724339.424 | 1583283.47 | 72806 | 0 | 0 | 0 | 3157373.07996 Produits pétroliers | 0 | 0 | 83198.24827 | 79168.312 | 6500 | 91439 | 0 | 0 | 0 | 260305.56027000002 Produits pharmaceutiques | 0 | 0 | 13546.61458 | 138099.056 | 106996.22 | 12345 | 0 | 132600 | 0 | 403586.89058 Produits alimentaires | 851929 | 14220.03849 | 341582.52309 | 1728509.078 | 1082427.61 | 516619 | 0 | 0 | 0 | 4535287.2495800005 Matériaux de construction | 0 | 114106.28513 | 44988.68958 | 431752.057 | 341807.83 | 502303 | 0 | 0 | 0 | 1434957.86171 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 165143 | 126257.30567 | 34772.97928 | 726889.096 | 420538.88 | 175128 | 0 | 0 | 0 | 1648729.26095 S-Total | 1089800 | 292766.93299 | 1184121.9370600001 | 3828757.023 | 3541554.01 | 1370640 | - | 132600 | 0 | 11440239.903050002 (2) Commerce de détail Produits pétroliers | 22734 | 6200.22997 | 2476.4245699999997 | 147369.864 | 120955.58 | 21242 | 0 | 0 | 320978.09854 Produits pharmaceutiques | 7326 | 0 | 989.3670400000001 | 10516.502 | 1108.99 | 23402 | 0 | 0 | 0 | 43342.85904 Véhicules automobiles | 16787 | 0 | 145359.40511000002 | 1422244.901 | 1877548.64 | 121303 | 0 | 0 | 0 | 3583242.94611 Produits alimentaires | 1951 | 0 | 92111.01670000001 | 903080.429 | 672661.29 | 106597 | 0 | 0 | 0 | 1776400.7357 Librairie ,papeterie | 1139 | 0 | 0 | 32795.299 | 24650.85 | 14356 | 0 | 0 | 0 | 72941.149 Appareils électro- ménagers électroni.équip. inform. | 29230 | 0 | 40828.98966 | 321399.463 | 337126.19 | 188066 | 0 | 87187.212 | 0 | 1003837.85466 Matériaux de construction | 0 | 0 | 12379.362539999998 | 172785.243 | 373019.59 | 41 | 0 | 0 | 0 | 558225.19554 Autres | 47030 | 434149.11415 | 45561.64376 | 1388578.472 | 896060.59 | 79785 | 0 | 0 | 0 | 2891164.81991 S-Total | 126197 | 440349.34411999997 | 339706.20938 | 4398770.173 | 4303131.72 | 554792 | - | 87187.212 | 0 | 10250133.6585 [Secteur d'activité mars 17 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 2.9327706052851012e-06 | 0.00015950202446209398 | 0.026392422486188855 | 2.772268918552085e-07 | 0 | 0 | #DIV/0! | 0.008054952742053027 200 | Industrie alimentaire | 0.03743665536914615 | 0.006335457573553558 | 0.05863709183367531 | 0.0021

73472047422885 | 0.07069975611697948 | 0.048778079312165136 | 0.010509720789081523 | 0.19526615335517014 | #DIV/0! | 0.04018003645200092 210 | Industrie des boissons | 9.52351786586193e-05 | 0 | 0.0003853720623481042 | 0.03273714790461119 | 0.10043870421491567 | 0.04198753783455035 | - | 0.0753806821588751 | #DIV/0! | 0.044418736257912664 220 | Industrie du bois | 0.0031494867460679535 | 0 | 0 | 4.125181248984022e-05 | 0 | 0.00012501079600609754 | - | 0 | #DIV/0! | 0.0005163317935764322 230 | Industrie chimique | 0 | 0 | 0.02801004652574885 | 0.017022217365154614 | 0.0022696282348563432 | 0.007002666317400761 | - | 0.12580987109309047 | #DIV/0! | 0.010002111174764112 240 | Industrie du textile | 0.0046009824893202085 | 0 | 0.03125180556273883 | 0.028648748629786152 | 0.0001952000522043584 | 0.027410403240442957 | - | 0 | #DIV/0! | 0.01418329763610457 250 | Industrie pharmacie | 0 | 0 | 0.00594583946997473 | 3.141218285694017e-05 | 0.0002817887847857529 | 0.003983862007491539 | - | 0 | #DIV/0! | 0.0009772565515046817 260 | Imprimerie, édition | 0.0030028059675178635 | 0 | 0.0006637190799017016 | 0.004651303561481257 | 0.0028348788221360744 | 0.005887712833630359 | - | 0 | #DIV/0! | 0.003242612163169661 270 | Sidérurgie, aciérie | 0.02483098081215072 | 0 | 0.014074779634079618 | 0.016564242064610265 | 0.0010411031464004452 | 0.04012554675624734 | - | 0 | #DIV/0! | 0.013759328212826076 280 | Industrie de la fabrication | 0.004000306813257767 | 0.0021564906304333497 | 0.0405037159226869 | 0.04594034990424188 | 0.010787545780015688 | 0.02285200898587978 | - | 0 | #DIV/0! | 0.022700718191711787 290 | Autres industries | 0 | 0 | 0.002680014118262892 | 0.00021243843881457164 | 0.0029777849730714535 | 0.00868655254409153 | - | 0 | #DIV/0! | 0.0019749804611797696 300 | Production et distribution de l'électricité | 0.021207035411172696 | 0 | 0.03864487947689103 | 0.052532528716109764 | 0.005123763568388328 | 0.00011055049508627748 | - | 0.16364099635457108 | #DIV/0! | 0.025073923606376034 400 | Production et distribution de gaz | 0 | 0.0007533378137794637 | 8.585751047671946e-07 | 0.00024703067776204616 | 2.5858078952477638e-09 | 0.01397807211650529 | - | 0 | #DIV/0! | 0.0013268799426568191 500 | Traitement et distribution de l'eau | 0 | 0.0024128727747549216 | 0.04027322973655431 | 0.0010176094769796416 | 0.0014605621905348285 | 7.536436377946505e-07 | - | 0 | #DIV/0! | 0.004356609490809497 600 | Entrep/ batiment et corps/ métiers corresp. | 0.07088395131972632 | 0.0644068211776434 | 0.0899532106580368 | 0.09888383229006759 | 0.030341489729076656 | 0.044888424437383355 | - | 0 | #DIV/0! | 0.06169812073284562 700 | Commerce de gros(1) | 0.07797693290921362 | 0.18599361569052666 | 0.14932861981942674 | 0.15017220569510223 | 0.13082540457863395 | 0.172795854128611 | - | 0.13999269543791087 | #DIV/0! | 0.12824390988078535 800 | Commerce de détail(2) | 0.009029597175944239 | 0.2826159578951884 | 0.042840063850817935 | 0.17252936529650004 | 0.15895817071441443 | 0.06994239641051539 | 9.478891880961459e-05 | 0.09204806044944622 | #DIV/0! | 0.1149580331497705 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007373249203916906 | 0.0007616981037873996 | 0.002048026311812029 | 9.515171974870402e-05 | 0.0007799653622683966 | 0.0043876705216704965 | - | 0 | #DIV/0! | 0.0020046764919410993 1000 | Hotels,motels et pensions | 0.054165991696580006 | 0 | 0.0005485826133891326 | 0.06761959075860052 | 0.0012976965578571594 | 0.11650894162385797 | 0.07304457861281564 | 0 | #DIV/0! | 0.042120112525357196 1100 | Transport | 0.1203555856899091 | 0.09594479597915105 | 0.02067326422356608 | 0.010462084095942266 | 0.03677888360357266 | 0.007024787107113984 | - | 0 | #DIV/0! | 0.0371622922663551 1200 | Immobilier résidentiel | 0.10814551992540317 | 0.19714444781858986 | 0.14529329972535812 | 0.009400280985917091 | 0.0703432722077271 | 0.043452956537436895 | 0.6155536820289764 | 0 | #DIV/0! | 0.09077597266254889 1300 | Immobilier commercial | 0.132272218

34571556 | 0.017840593990333005 | 0.10152504198996404 | 0.07274861677348937 | 0.17176091674724145 | 0.022101434132533307 | 0.2602160665544994 | 0 | #DIV/0! | 0.11743081304506452 1400 | Télécommunications | 0.013788708699701372 | 0 | 0.00037055886076867514 | 0.004433176572689694 | 0.005319552815391675 | 0.004731761539386418 | - | 0 | #DIV/0! | 0.005495242102398009 1500 | Services financiers | 0.0051804788919920025 | 0.06261505619718093 | 0.02574108170797776 | 0.05114502852709659 | 0.09150947365929421 | 0.18814800518980276 | - | 0.20328122240902732 | #DIV/0! | 0.06547994619616591 1510 | Services professionnels | 0.063328746398808 | 0.0175443834215675 | 0.008669605924550643 | 0.00437746546349999 | 0.009356279684730632 | 0.021555878714310753 | 0 | 0 | #DIV/0! | 0.017008937152378775 1520 | Services médicaux | 0 | 0.0004618596717536999 | 0.00066877656911926 | 6.920961931375609e-05 | 0.0005595872985880106 | 0.005440393439008676 | 0 | 0 | #DIV/0! | 0.0007409419620649746 1530 | Services d'agence ou de représentation | 1.409566506066717e-05 | 0.0005979523979704851 | 3.0699508856848412e-06 | 0.00046054392203616183 | 0.0006279645555643031 | 0.0032094615388129854 | 0 | 0 | #DIV/0! | 0.0006206010761551803 1540 | Services d'enseignement | 0.0014057027197049098 | 0 | 0.0018644957796176175 | 0.004240647588128408 | 0.0001821624087965192 | 0.002367848588954222 | 0 | 0 | #DIV/0! | 0.001863788462536051 1550 | Autres services | 0.029375866847625432 | 0.010330753620722707 | 0.001075836856624321 | 0.026756480488500062 | 0.011519385563342243 | 0.0435993497339313 | 0 | 0 | #DIV/0! | 0.019899807966596038 1560 | Crédit à la consommation | 0.2083798657234067 | 0.05208390524306361 | 0.14832218038951273 | 0.12462706539658429 | 0.05533665355721537 | 0.02891580224664335 | 0.0405811630958173 | 0.004580318741908722 | #DIV/0! | 0.10372902965039071 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 0.9999999999999998 | 0.9999999999999998 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 0.9999999999999999 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.005203804713361431 | 0.024257694137934084 | 0.08399284562633771 | 0.028410172881735692 | 0.05848666995916108 | 0.009178618048390319 | - | 0 | #DIV/0! | 0.0353938287650771 Produits pétroliers | 0 | 0 | 0.010492060991961493 | 0.0031051539598032298 | 0.00024011073313014947 | 0.011527671561777359 | - | 0 | #DIV/0! | 0.0029179986632781956 Produits pharmaceutiques | 0 | 0 | 0 | 0.00541654633969571 | 0.003952452434823809 | 0.0015563283219429509 | - | 0.13999269543791087 | #DIV/0! | 0.004524167697407301 Produits alimentaires | 0.06095688243385341 | 0.009033931349425641 | 0.04307668419192758 | 0.0677958980369258 | 0.03998499799960239 | 0.06512991343490039 | - | 0 | #DIV/0! | 0.05084010544427194 Matériaux de construction | 0 | 0.07249124867892028 | 0.005673485738424941 | 0.016934257856182907 | 0.012626419792450078 | 0.06332510207346376 | - | 0 | #DIV/0! | 0.016085730623607006 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | #DIV/0! | 0 Autres | 0.011816245761998774 | 0.08021074152424666 | 0.004385191119577082 | 0.02851017658153669 | 0.015534753659466454 | 0.022078304282318762 | - | 0 | #DIV/0! | 0.018482086108992768 S-Total | 0.0779769329092136 | 0.18599361569052666 | 0.1476202676682288 | 0.15017220565588002 | 0.13082540457863398 | 0.17279593772279356 | - | 0.13999269543791087 | #DIV/0! | 0.1282439173026343 (2) Commerce de détail Produits pétroliers | 0.00162665405832085 | 0.0039389803296960985 | 0.00031229981605034594 | 0.0057801676604556556 | 0.004468112767689607 | 0.002677968911681828 | - | 0 | #DIV/0! | 0.0035981316016062094 Produits pharmaceutiques | 0.0005241870164185161 | 0 | 0.00012476824383884843 | 0.00041248015782600726 | 4.096621568215453e-05 | 0.0029502790919488813 | - | 0 | #D

IV/0! | 0.0004858690095216968 Véhicules automobiles | 0.0012011366973270039 | 0 | 0.01833115210815435 | 0.05578354867728015 | 0.06935685852891 | 0.015292611943025175 | - | 0 | #DIV/0! | 0.04016778633581511 Produits alimentaires | 0.00013959717022010988 | 0 | 0.01161604270935672 | 0.0354207851511366 | 0.02484818392156494 | 0.013438633465706985 | - | 0 | #DIV/0! | 0.01991327026146664 Librairie ,papeterie | 8.149727159441578e-05 | 0 | 0 | 0.0012863031935401235 | 0.0009106051793509761 | 0.0018098541425526937 | - | 0 | #DIV/0! | 0.0008176628077372098 Appareils électro- ménagers électroni.équip. inform. | 0.002091453247326403 | 0 | 0.005148909486203119 | 0.012605988305183032 | 0.012453479482811395 | 0.02370939183430725 | - | 0.09204806044944622 | #DIV/0! | 0.011252919511237651 Matériaux de construction | 0 | 0 | 0.0015611509798832853 | 0.006777014286941134 | 0.013779385727201197 | 0 | - | 0 | #DIV/0! | 0.006257647253882569 Autres | 0.003365071714736939 | 0.2758131277494915 | 0.005745740507331259 | 0.05446307786413734 | 0.03310057926060527 | 0.010058457283614285 | - | 0 | #DIV/0! | 0.032409661441975025 S-Total | 0.009029597175944237 | 0.2797521080791876 | 0.04284006385081792 | 0.17252936529650004 | 0.15895817108381555 | 0.0699371966728371 | - | 0.09204806044944622 | #DIV/0! | 0.1149029482232421 [Secteur d'activité mars 17 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2017 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1215997 | 737624.17661 | 1523828.14644 | 8227527.197000001 | 7844685.72 | 1925431.5819200003 | 405.82 | 219787.212 | 0 | 21695286.853970002 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2247946 | 145305.0643 | 322097.74873 | 3945831.397 | 3135683.8499999996 | 3055596.0330999997 | 312725.91000000003 | 192546.40399000002 | 0 | 13357732.40712 Industries Manufacturières ( 200 à 290 ) | 1077774 | 13366.91919 | 1444402.51501 | 3773950.747 | 5184780.87 | 1640677.046 | 44995.29 | 375520.73079 | 0 | 13555468.117989998 Prêts aux Particuliers ( 1560 ) | 2912302 | 81983.70218000001 | 1176141.23645 | 3177463.831 | 1498009.87 | 229363.929 | 173740.22 | 4338.44254 | 0 | 9253343.23117 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3360061 | 338401.46122999996 | 1957180.1657800002 | 2094449.9540000001 | 6553964.529999999 | 519986.00899999996 | 3749434.8899999997 | 0 | 0 | 18573478.01001 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1874791 | 151023.80558000001 | 166869.90467 | 379766.24 | 1139640.17 | 93254.48300000001 | 0 | 0 | 0 | 3805345.6032499997 Bâtiments et Travaux Publics ( 600 ) | 990669 | 101380.83197 | 713296.4208600001 | 2521120.108 | 821369.71 | 356060.85931 | 0 | 0 | 0 | 5503896.93014 Électricité, Gaz et Eau ( 300 à 500 ) | 296388 | 4983.83646 | 625798.86643 | 1371600.605 | 178243.32 | 111758.777 | 0 | 154999.488 | 0 | 2743772.89289 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 23.25581 | 4066.628 | 714465.13 | 2.199 | 0 | 0 | 0 | 718557.21281 Total | 13975928 | 1574069.7975199998 | 7929638.26018 | 25495776.706999995 | 27070843.170000006 | 7932130.917329999 | 4281302.13 | 947192.27732 | 0 | 89206881.25935 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.08700653008515785 | 0.4686095735857151 | 0.1921686836702447 | 0.32270157099160235 | 0.2897835752930483 | 0.24273825053912645 | 9.478891880961459e-05 | 0.23204075588735715 | #DIV/0! | 0.2432019430305559 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.16084413142368792 | 0.09231170341298273 | 0.04061947571397645 | 0.15476411808692425 | 0.11583251509044146 | 0.38521754935034924 | 0.07304457861281564 | 0.20328122240902735 | #DIV/0! | 0.14973881183319523 Industries Manufacturières ( 200 à 290 ) | 0.07711645337611928 | 0.00849194820398691 | 0.18215238420941696 | 0.14802258391146964 | 0.19152639012536524 | 0.20683938062790

59 | 0.010509720789081523 | 0.3964567066071358 | #DIV/0! | 0.15195540889475065 Prêts aux Particuliers ( 1560 ) | 0.2083798657234067 | 0.05208390524306362 | 0.14832218038951275 | 0.12462706539658433 | 0.055336653557215364 | 0.028915802246643356 | 0.0405811630958173 | 0.004580318741908723 | #DIV/0! | 0.10372902965039071 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24041773827111873 | 0.2149850418089229 | 0.2468183417153222 | 0.0821488977594065 | 0.2421041889549685 | 0.06555439066997022 | 0.8757697485834759 | 0 | #DIV/0! | 0.20820678570761342 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.13414429438961048 | 0.09594479597915107 | 0.021043823084334758 | 0.014895260668631964 | 0.042098436418964325 | 0.011756548646500404 | 0 | 0 | #DIV/0! | 0.0426575343687531 Bâtiments et Travaux Publics ( 600 ) | 0.07088395131972632 | 0.06440682117764342 | 0.08995321065803681 | 0.09888383229006763 | 0.03034148972907665 | 0.04488842443738336 | 0 | 0 | #DIV/0! | 0.06169812073284562 Électricité, Gaz et Eau ( 300 à 500 ) | 0.021207035411172696 | 0.003166210588534386 | 0.07891896778855012 | 0.05379716887085147 | 0.0065843283447310505 | 0.014089376255229364 | 0 | 0.1636409963545711 | #DIV/0! | 0.03075741303984235 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 2.9327706052851016e-06 | 0.00015950202446209403 | 0.026392422486188852 | 2.7722689185520856e-07 | 0 | 0 | #DIV/0! | 0.008054952742053027 Total | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | #DIV/0! | 1 [Secteur d'activité déc. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 2.86339 | 8358.251 | 686990.07 | 0 | 0 | 0 | 0 | 695351.18439 200 | Industrie alimentaire | 435785 | 5780.0034000000005 | 364476.57951999997 | 485713.746 | 1909756.97 | 382984.98 | 41142.04 | 129027.14433 | 191013 | 3945679.46325 210 | Industrie des boissons | 1363 | 0 | 3094.87404 | 841673.32 | 2699024.04 | 337983.308 | 0 | 94988.04 | 63023 | 4041149.5820400002 220 | Industrie du bois | 22980 | 0 | 34.59961 | 3262.98 | 0 | 694.727 | 0 | 0 | 0 | 26972.30661 230 | Industrie chimique | 0 | 0 | 205364.18073 | 386031.262 | 61402.27 | 55611.087 | 0 | 123967.25631 | 0 | 832376.05604 240 | Industrie du textile | 67941 | 0 | 273609.49755000003 | 780450.242 | 4866.12 | 241839.919 | 0 | 0 | 9250 | 1377956.7785500002 250 | Industrie pharmacie | 0 | 0 | 2476.14946 | 17436.149 | 8216.4 | 31116.744 | 0 | 0 | 0 | 59245.44246 260 | Imprimerie, édition | 8323 | 0 | 6255.29504 | 79016.38 | 43993.54 | 44942.388 | 0 | 0 | 0 | 182530.60304000002 270 | Sidérurgie, aciérie | 347036 | 0 | 114528.92006 | 442369.624 | 47322.77 | 250984.496 | 0 | 0 | 49574 | 1251815.81006 280 | Industrie de la fabrication | 59632 | 3439.80517 | 232747.62600999998 | 1209116.021 | 349446.09 | 192438.15 | 0 | 0 | 5682 | 2052501.69218 290 | Autres industries | 0 | 0 | 11146.8061 | 29312.261 | 55939.36 | 62990.819 | 0 | 0 | 0 | 159389.2461 300 | Production et distribution de l'électricité | 479041 | 0 | 311164.30458 | 1487434.441 | 67394.4 | 3195.722 | 0 | 149650.50525999998 | 0 | 2497880.37284 400 | Production et distribution de gaz | 0 | 1731.22517 | 352.9756 | 2015.445 | 0.07 | 111371.55 | 0 | 0 | 0 | 115471.26577 500 | Traitement e

t distribution de l'eau | 0 | 4894.53313 | 303772.08931 | 66079.022 | 40528.07 | 1.624 | 0 | 0 | 0 | 415275.33844 600 | Entrep/ batiment et corps/ métiers corresp. | 1010630 | 198267.85444999998 | 708334.25706 | 2717198.813 | 764139.77 | 320097.65331 | 0 | 0 | 428423 | 6147091.34782 700 | Commerce de gros(1) | 696876 | 290205.42068 | 930792.04192 | 4296548.442 | 3261441.74 | 1242535.58598 | 0 | 176406.36 | 30467 | 10925272.59058 800 | Commerce de détail(2) | 116531 | 447014.02119 | 211332.74159 | 4132767.234 | 4021629.71 | 546066.743 | 584.4 | 84178.40921 | 8398 | 9568502.258990003 900 | Rest/débits/boissons, casinos/activités/loterie | 100654 | 2189.4061 | 16189.067939999999 | 28862.675 | 21762.41 | 37965.586 | 0 | 0 | 0 | 207623.14504 1000 | Hotels,motels et pensions | 612383 | 0 | 31453.608070000002 | 1492828.692 | 37580.87 | 834261.35 | 314447.68 | 0 | 0 | 3322955.2000700003 1100 | Transport | 1596214 | 151323.39733 | 178010.69873 | 90610.778 | 999013.13 | 35478.375 | 0 | 0 | 0 | 3050650.37906 1200 | Immobilier résidentiel / Avance Hypothécaire | 1458908 | 308639.88079 | 1118630.05776 | 248491.306 | 1789417.45 | 398658.82148000004 | 2635767.51 | 0 | 808940 | 8767453.02603 1300 | Immobilier commercial | 1156682 | 29492.42043 | 696708.72209 | 1465978.881 | 4595523.32 | 187989.054 | 1092441.76 | 0 | 11284 | 9236100.15752 1400 | Télécommunications | 199627 | 0 | 3517.17933 | 123031.754 | 158903.05 | 39490.874 | 0 | 0 | 158215 | 682784.85733 1500 | Services financiers | 76725 | 98374.19715 | 145344.95135 | 1637522.969 | 2679611.48 | 1431713.391 | 0 | 125249.62026000001 | 622028 | 6816569.60876 1510 | Services professionnels | 900063 | 27612.436850000002 | 84934.70023999999 | 630832.312 | 320446.92 | 181719.779 | 0 | 0 | 65716 | 2211325.1480900003 1520 | Services médicaux | 0 | 868.7529000000001 | 3287.2553399999997 | 40280.403 | 19023.7 | 44908.784 | 0 | 0 | 910 | 109278.89524 1530 | Services d'agence ou de représentation | 407 | 941.2188100000001 | 2394.5638799999997 | 28901.023 | 14170.68 | 16573.272800000002 | 0 | 0 | 0 | 63387.75849000001 1540 | Services d'enseignement | 23966 | 0 | 12213.52288 | 149228.158 | 6403.37 | 15994.975 | 0 | 0 | 7547 | 215353.02588 1550 | Autres services | 451350 | 17128.96682 | 8673.50574 | 1100971.637 | 324087.58 | 378099.783 | 0 | 0 | 11483 | 2291794.47256 1560 | Crédit à la consommation | 3333308 | 120687.80652 | 1123691.08238 | 2077870.339 | 1515556.33 | 179897.724 | 135426.32 | 0 | 634308 | 9120745.6019 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 13156425 | 1708591.34689 | 7104534.7173 | 26100194.560000002 | 26503591.68 | 7607607.265570001 | 4219809.71 | 883467.3353699999 | 3106261 | 90390482.61512998 (1) Commerce de gros Import-export | 35853 | 37731.26498 | 286551.30374 | 955099.495 | 1405261.65 | 90046 | 2810542.71372 Produits pétroliers | 0 | 0 | 93301.68539 | 4011.016 | 6500 | 93856 | 197668.70139 Produits pharmaceutiques | 0 | 0 | 13253.08382 | 140674.463 | 116699.82 | 13358 | 283985.36682 Produits alimentaires | 455435 | 18715.29864 | 308957.89441 | 1935565.17 | 804349.72 | 444191 | 176406.36 | 3957 | 4147577.4430499994 Matériaux de construction | 0 | 111166.89892 | 203531.59159 | 416544.279 | 367340.35 | 474132 | 26509 | 1599224.11951 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 205588 | 122591.95814 | 25196.482949999998 | 844654.02 | 561290.2 | 126953 | 0 | 0 | 1886273.6610899998 S-Total | 696876 | 290205.42068 | 930792.0419 | 4296548.443 | 3261441.74 | 1242536 | - | 176406.36 | 30466 | 10925272.005579999 (2) Commerce de détail Produits pétroliers | 21027 | 6990.63075 | 2600.9317 | 135241.221 | 140062.89 | 9329 | 315251.67345 Produits pharmaceutiques | 7742 | 0 | 294.7079 | 6200.399 | 1175.26 | 24184 | 11

89 | 40785.3669 Véhicules automobiles | 19640 | 0 | 45680.596549999995 | 1380457.811 | 2000336.09 | 98854 | 3544968.49755 Produits alimentaires | 2115 | 0 | 59865.84543 | 896311.734 | 699593.19 | 104491 | 5064 | 1767440.7694299999 Librairie ,papeterie | 1209 | 0 | 4109.76144 | 34696.289 | 22560.24 | 13881 | 411 | 76867.29044 Appareils électro- ménagers électroni.équip. inform. | 470 | 0 | 40331.05993 | 322377.121 | 197575.5 | 210944 | 84178.40921 | 855876.09014 Matériaux de construction | 18156 | 0 | 14157.09041 | 166653.601 | 299127.43 | 224 | 498318.12141 Autres | 46172 | 440023.39044 | 44292.74823 | 1190829.058 | 661199.11 | 84160 | 1734 | 2468410.30667 S-Total | 116531 | 447014.02119 | 211332.74159000002 | 4132767.2339999992 | 4021629.7100000004 | 546067 | - | 84178.40921 | 8398 | 9567918.115989998 [Secteur d'activité déc. 16 (%] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 décembre 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.0303694948910037e-07 | 0.00032023711473819753 | 0.025920640428459846 | 0 | 0 | 0 | 0 | 0.007692747779107541 200 | Industrie alimentaire | 0.03312335987929852 | 0.0033829056962747924 | 0.051301963326673035 | 0.018609583345573343 | 0.07205653456550686 | 0.05034237002917957 | 0.009749738217460996 | 0.14604630999284526 | 0.06149290095069281 | 0.043651492381671986 210 | Industrie des boissons | 0.00010359957207220047 | 0 | 0.00043561952515536065 | 0.03224777953532619 | 0.10183616139984239 | 0.04442701840427834 | - | 0.10751731976623516 | 0.02028902271895375 | 0.04470768896374466 220 | Industrie du bois | 0.0017466751036090732 | 0 | 4.870074026909562e-06 | 0.00012501745887368587 | 0 | 9.132004002679645e-05 | - | 0 | 0 | 0.0002983976391059256 230 | Industrie chimique | 0 | 0 | 0.028906070404572024 | 0.014790359555082181 | 0.0023167527911447205 | 0.0073099313698383106 | - | 0.14031900371062614 | 0 | 0.009208669231075365 240 | Industrie du textile | 0.0051640928291690185 | 0 | 0.03851195165303975 | 0.029902085220317984 | 0.0001836022852582673 | 0.03178922236095216 | - | 0 | 0.0029778566578919155 | 0.015244489670634322 250 | Industrie pharmacie | 0 | 0 | 0.0003485308410092524 | 0.0006680467059322948 | 0.00031001081284391413 | 0.004090214296527382 | - | 0 | 0 | 0.0006554389438571625 260 | Imprimerie, édition | 0.0006326186635047135 | 0 | 0.0008804651238831945 | 0.003027424941923498 | 0.0016599086090357397 | 0.0059075588987614076 | - | 0 | 0 | 0.0020193564384116606 270 | Sidérurgie, aciérie | 0.026377682387122642 | 0 | 0.016120537743466116 | 0.016948901395469135 | 0.0017855229046450506 | 0.032991252996969075 | - | 0 | 0.015959380103603656 | 0.013848978054360618 280 | Industrie de la fabrication | 0.004532538284526382 | 0.002013240425372151 | 0.03276043193134724 | 0.04632593899713826 | 0.013184857894701765 | 0.025295489538599565 | - | 0 | 0.0018292088140693908 | 0.022707055353595854 290 | Autres industries | 0 | 0 | 0.0015689706002641958 | 0.0011230667623038592 | 0.002110633180415795 | 0.008279977764504174 | - | 0 | 0 | 0.0017633410231767109 300 | Production et distribution de l'électricité | 0.036411183129155526 | 0 | 0.043797984943657865 | 0.05698940050353402 | 0.0025428402615656352 | 0.00042006926599155356 | - | 0.16938996980270438 | 0 | 0.02763432941801655 400 | Production et distribution de gaz

| 0 | 0.0010132470664510845 | 4.968314098606368e-05 | 7.721953931672147e-05 | 2.6411514652492567e-09 | 0.014639497822664677 | - | 0 | 0 | 0.001277471503959775 500 | Traitement et distribution de l'eau | 0 | 0.002864659907653806 | 0.04275749241822908 | 0.0025317444223680145 | 0.001529153878060349 | 2.134705359134127e-07 | - | 0 | 0 | 0.0045942374288251596 600 | Entrep/ batiment et corps/ métiers corresp. | 0.07681646039862652 | 0.11604170582444404 | 0.09970170957644284 | 0.10410645816273945 | 0.02883155533129614 | 0.042075996057088345 | - | 0 | 0.13792240896692196 | 0.06800595781741153 700 | Commerce de gros(1) | 0.05296849258062126 | 0.1698506908677933 | 0.13101379315572367 | 0.16461748712726834 | 0.12305659472037264 | 0.163328040289801 | - | 0.19967502242300816 | 0.009808255004972215 | 0.12086751032294275 800 | Commerce de détail(2) | 0.008857345365477325 | 0.2616272299421747 | 0.029746176209877778 | 0.15834239183541166 | 0.15173904573223487 | 0.07177903957678682 | 0.00013848965715565405 | 0.09528185801543611 | 0.0027035719149163576 | 0.10585740868019641 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007650558567391978 | 0.0012814100363935388 | 0.002278695028483509 | 0.001105841373467524 | 0.0008211117294122153 | 0.004990476594634703 | - | 0 | 0 | 0.002296958031787819 1000 | Hotels,motels et pensions | 0.04654630722251676 | 0 | 0.004427257986847251 | 0.05719607524642145 | 0.0014179538552263119 | 0.10966146396326794 | 0.07451702839936827 | 0 | 0 | 0.036762224339687156 1100 | Transport | 0.12132581609365767 | 0.0885661733014397 | 0.025055926364401102 | 0.0034716514389078945 | 0.03769349988718208 | 0.004663539239277723 | - | 0 | 0 | 0.03374968570584187 1200 | Immobilier résidentiel | 0.11088939434534838 | 0.1806399648176788 | 0.15745296522178487 | 0.0095206687225553 | 0.06751603600014411 | 0.05240265533740463 | 0.6246176228643258 | 0 | 0.26042241782000936 | 0.0969953115900552 1300 | Immobilier commercial | 0.08791765240177328 | 0.01726124885490172 | 0.09806535541215239 | 0.05616735452411892 | 0.17339247357435897 | 0.02471066755125337 | 0.25888412868740474 | 0 | 0.0036326631921786354 | 0.10218000712360417 1400 | Télécommunications | 0.01517334686284458 | 0 | 0.000495061178522422 | 0.004713825167746182 | 0.005995528904858226 | 0.0051909716973331625 | - | 0 | 0.05093422606793183 | 0.0075537250999887055 1500 | Services financiers | 0.005831751406632121 | 0.0575762000252793 | 0.020458053501529898 | 0.06273987595133083 | 0.10110371123858183 | 0.1881949660413666 | - | 0.14177051628914492 | 0.20024975364272352 | 0.07541247055604293 1510 | Services professionnels | 0.06841242966839396 | 0.0161609368444131 | 0.011954998267962366 | 0.02416964021282759 | 0.012090697889894446 | 0.0238865878135449 | 0 | 0 | 0.021155981419462178 | 0.024464136976738063 1520 | Services médicaux | 0 | 0.000508461488805568 | 0.00046269818796089787 | 0.0015432989553929208 | 0.0007177781875637468 | 0.005903141741194392 | 0 | 0 | 0.00029295670904666413 | 0.001208964617495121 1530 | Services d'agence ou de représentation | 3.093545549037827e-05 | 0.0005508741523906338 | 0.0003370472487338379 | 0.0011073106345457066 | 0.0005346701749368334 | 0.0021785131936300404 | 0 | 0 | 0 | 0.0007012658485285028 1540 | Services d'enseignement | 0.0018216194748953457 | 0 | 0.0017191165031904601 | 0.005717511325708676 | 0.00024160385797190187 | 0.002102497466238693 | 0 | 0 | 0.002429609102390301 | 0.0023824745664534513 1550 | Autres services | 0.03430643202845758 | 0.010025198155883423 | 0.0012208407848130372 | 0.042182506895458174 | 0.012228062668372652 | 0.04970022371044029 | 0 | 0 | 0.0036967273516294993 | 0.025354378096620417 1560 | Crédit à la consommation | 0.2533597082794148 | 0.07063585259265037 | 0.15816533060831414 | 0.07961129692820189 | 0.05718305459496122 | 0.023647083467908375 | 0.03209299217428456 | 0 | 0.20420305956260598 | 0.10090382679706289 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entr

eprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1.0000000000000004 (1) Commerce de gros Import-export | 0.0027251323972887773 | 0.022083258848687802 | 0.04033357779816729 | 0.03659357759975257 | 0.053021555227944106 | 0.011836310269001945 | - | 0 | 0 | 0.031093347799534352 Produits pétroliers | 0 | 0 | 0.013132694694672176 | 0.00015367762837090513 | 0.0002452497789160024 | 0.012337124765202746 | - | 0 | 0 | 0.002186830910413939 Produits pharmaceutiques | 0 | 0 | 0 | 0.005389785990928643 | 0.00440317000839035 | 0.0017558740263124177 | - | 0 | 0 | 0.00314176181611033 Produits alimentaires | 0.034616926710713584 | 0.010953642410788179 | 0.04348742130257561 | 0.07415903224592667 | 0.030348706307868987 | 0.0583877406514253 | - | 0.19967502242300816 | 0.0012738787886787362 | 0.04588511227127533 Matériaux de construction | 0 | 0.0650634799961661 | 0.028648124006542958 | 0.015959431951452854 | 0.013860021480681066 | 0.06232340648626735 | - | 0 | 0.008534054285843978 | 0.017692394965068088 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.01562643347261889 | 0.07175030961215124 | 0.0035465352697404574 | 0.03236198174915061 | 0.021177891916572114 | 0.016687638513433176 | - | 0 | 0 | 0.020868056088620402 S-Total | 0.05296849258062125 | 0.1698506908677933 | 0.1291483530716985 | 0.16461748716558225 | 0.12305659472037263 | 0.16332809471164295 | - | 0.19967502242300816 | 0.009807933074522714 | 0.12086750385102242 (2) Commerce de détail Produits pétroliers | 0.004189111827389048 | 0 | 0.004014391855429044 | 0.0011665486617489463 | 0.0017348770463548853 | 0.004448076738703526 | - | 0 | #DIV/0! | 0.002291940959462693 Produits pharmaceutiques | 0 | 0 | 0.00013860448825868255 | 4.228813123875291e-06 | 0.0001091382580419256 | 0.00019854111903084464 | - | 0 | #DIV/0! | 7.016561637524103e-05 Véhicules automobiles | 0.0010064040855946022 | 0 | 0.003808062353415466 | 0.02559117767420288 | 0.05770788887857303 | 0.04173572831133583 | - | 0 | #DIV/0! | 0.03146258750817694 Produits alimentaires | 0.006525995144565175 | 0 | 0.034025197999337335 | 0.014864306215874888 | 0.036932592501709056 | 0.015352075431168273 | - | 0 | #DIV/0! | 0.022564783579663145 Librairie ,papeterie | 7.397338625677486e-06 | 0 | 0 | 0.0007387266836909887 | 0.002278344910867879 | 7.674797940532204e-07 | - | 0 | #DIV/0! | 0.0009903520984834685 Appareils électro- ménagers électroni.équip. inform. | 0.00018845699482760589 | 0 | 0.004334787407877403 | 0.006619318682956672 | 0.0439714097720231 | 0.04527109446418837 | - | 0 | #DIV/0! | 0.021427657112564898 Matériaux de construction | 0.0034380268119164554 | 0 | 0.0013937354877970889 | 0.00246486645863814 | 0.029527983399700867 | 0 | - | 0 | #DIV/0! | 0.01129155070324652 Autres | 0.03041785394158875 | 0.3498907757718453 | 0.030446787818713128 | 0.07064173196225626 | 0.03125167082124464 | 0.010573392011949513 | - | 0 | #DIV/0! | 0.04263643786962351 S-Total | 0.04577324614450731 | 0.3498907757718453 | 0.07816156741082815 | 0.12209090515249266 | 0.2035139055885154 | 0.11757967555617041 | - | 0 | #DIV/0! | 0.1327354754475964 [Secteur d'activité déc.16 g ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 décembre 2016 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 813407 | 737219.44187 | 1142124.78351 | 8429315.675999999 | 7283071.45 | 1788602.32898 | 584.4 | 260584.76921 | 38865 | 20493774.849569995 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2165548 | 147114.97863 | 304491.17543999996 | 5109427.869 | 3423087.0100000007 | 2941236.9208000004 | 314447.68 | 125249.62026000001 | 707684 | 15238287.254130002 Industries Manufacturières ( 200 à 290 ) | 943060 | 9219

.808570000001 | 1213734.52812 | 4274381.984999999 | 5179967.56 | 1601586.6179999998 | 41142.04 | 347982.44064 | 318542 | 13929616.98033 Prêts aux Particuliers ( 1560 ) | 3333308 | 120687.80652 | 1123691.08238 | 2077870.339 | 1515556.33 | 179897.724 | 135426.32 | 0 | 634308 | 9120745.6019 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 2615590 | 338132.30122 | 1815338.77985 | 1714470.1870000002 | 6384940.7700000005 | 586647.87548 | 3728209.2699999996 | 0 | 820224 | 18003553.18355 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1795841 | 151323.39733 | 181527.87806000002 | 213642.532 | 1157916.18 | 74969.24900000001 | 0 | 0 | 158215 | 3733435.23639 Bâtiments et Travaux Publics ( 600 ) | 1010630 | 198267.85444999998 | 708334.25706 | 2717198.813 | 764139.77 | 320097.65331 | 0 | 0 | 428423 | 6147091.34782 Électricité, Gaz et Eau ( 300 à 500 ) | 479041 | 6625.7582999999995 | 615289.36949 | 1555528.9080000003 | 107922.54000000001 | 114568.896 | 0 | 149650.50525999998 | 0 | 3028626.9770500003 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 2.86339 | 8358.251 | 686990.07 | 0 | 0 | 0 | 0 | 695351.18439 Total | 13156425 | 1708591.3468900002 | 7104534.717299999 | 26100194.56 | 26503591.68 | 7607607.26557 | 4219809.71 | 883467.33537 | 3106261 | 90390482.61512999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.061825837946098576 | 0.43147792080996794 | 0.16075996936560147 | 0.32295987896268 | 0.2747956404526075 | 0.23510707986658785 | 0.00013848965715565405 | 0.29495688043844426 | 0.012511826919888573 | 0.22672491900313904 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1646000338237781 | 0.08610308070316554 | 0.04285870750952126 | 0.19576206059515291 | 0.12915558960195997 | 0.3866178705243177 | 0.07451702839936827 | 0.1417705162891449 | 0.22782502822525216 | 0.16858287303335345 Industries Manufacturières ( 200 à 290 ) | 0.07168056671930255 | 0.005396146121646943 | 0.1708394112234371 | 0.16376820391794045 | 0.1954439844433945 | 0.2105243556996368 | 0.009749738217460996 | 0.39388263346970653 | 0.10254836924521153 | 0.15410490769963422 Prêts aux Particuliers ( 1560 ) | 0.2533597082794148 | 0.07063585259265037 | 0.15816533060831414 | 0.0796112969282019 | 0.05718305459496122 | 0.023647083467908375 | 0.03209299217428456 | 0 | 0.20420305956260598 | 0.10090382679706288 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.19880704674712166 | 0.19790121367258048 | 0.25551832063393726 | 0.06568802324667423 | 0.2409085095745031 | 0.077113322888658 | 0.8835017515517304 | 0 | 0.26405508101218794 | 0.19917531871365934 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.13649916295650225 | 0.08856617330143969 | 0.02555098754292353 | 0.008185476606654078 | 0.043689028792040306 | 0.009854510936610888 | 0 | 0 | 0.05093422606793183 | 0.04130341080583057 Bâtiments et Travaux Publics ( 600 ) | 0.07681646039862652 | 0.11604170582444402 | 0.09970170957644285 | 0.10410645816273946 | 0.02883155533129614 | 0.04207599605708835 | 0 | 0 | 0.13792240896692196 | 0.06800595781741152 Électricité, Gaz et Eau ( 300 à 500 ) | 0.036411183129155526 | 0.0038779069741048905 | 0.08660516050287302 | 0.059598364465218774 | 0.00407199678077745 | 0.015059780559192144 | 0 | 0.16938996980270435 | 0 | 0.03350603835080149 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.030369494891004e-07 | 0.0003202371147381976 | 0.025920640428459846 | 0 | 0 | 0 | 0 | 0.0076927477791075395 Total | 0.9999999999999999 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 [Secteur d'activité sept. 16] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des ri

sques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 8.85384 | 7954.259 | 0 | 0 | 0 | 0 | 0 | 7963.11284 200 | Industrie alimentaire | 93460 | 5780.0034000000005 | 191299.35254 | 427062.236 | 1857046.87 | 354573.387 | 26932.01 | 138099.8964 | 239485 | 3333738.7553399997 210 | Industrie des boissons | 1372 | 0 | 9094.51485 | 971885.456 | 2485173.95 | 140849.197 | 0 | 117275.76 | 66076 | 3791726.8778500003 220 | Industrie du bois | 15439 | 0 | 10013.08783 | 3606.966 | 0 | 969.82 | 0 | 0 | 0 | 30028.87383 230 | Industrie chimique | 0 | 0 | 14640.51494 | 322304.533 | 74162.5 | 56684.693 | 0 | 128741.03232 | 0 | 596533.27326 240 | Industrie du textile | 73259 | 0 | 111668.04076999999 | 780865.518 | 4616.44 | 204354.443 | 0 | 0 | 7435 | 1182198.44177 250 | Industrie pharmacie | 0 | 0 | 6715.45017 | 17634.359 | 2565.19 | 32444.16 | 0 | 0 | 0 | 59359.15917 260 | Imprimerie, édition | 16786 | 0 | 4816.01013 | 157627.112 | 36122.41 | 77707.754 | 0 | 0 | 4494 | 297553.28613 270 | Sidérurgie, aciérie | 347036 | 0 | 143264.28512000002 | 444349.504 | 76426.02 | 220866.303 | 0 | 0 | 50459 | 1282401.1121200002 280 | Industrie de la fabrication | 61504 | 3471.5940499999997 | 167834.5011 | 1335603.687 | 357187.25 | 154637.502 | 0 | 0 | 1898 | 2082136.53415 290 | Autres industries | 0 | 0 | 160274.14904 | 131567.472 | 366835.99 | 66469.538 | 0 | 149461.6532 | 0 | 874608.8022400001 300 | Production et distribution de l'électricité | 446347 | 0 | 320499.74552 | 1109133.244 | 65536.8 | 239.402 | 0 | 0 | 0 | 1941756.1915199999 400 | Production et distribution de gaz | 0 | 1991.44471 | 874.08243 | 2504.429 | 89326.43 | 111715.291 | 0 | 0 | 0 | 206411.67713999999 500 | Traitement et distribution de l'eau | 0 | 7058.053150000001 | 299069.88724 | 47806.979 | 37004.57 | 5.883 | 0 | 0 | 0 | 390945.37239 600 | Entrep/ batiment et corps/ métiers corresp. | 1030319 | 109011.81542 | 711550.24454 | 2808784.442 | 729233.77 | 350449.88648000004 | 0 | 0 | 263587 | 6002936.158439999 700 | Commerce de gros(1) | 674585 | 291599.06827999995 | 952354.90876 | 4097032.977 | 3506808.23 | 1359146.4268 | 0 | 217797.84 | 11782 | 11111106.45084 800 | Commerce de détail(2) | 105321 | 461120.52403 | 195970.47025 | 3989980.142 | 4057719.65 | 510854.05 | 699.06 | 84072.17992 | 7260 | 9412997.076200001 900 | Rest/débits/boissons, casinos/activités/loterie | 98787 | 4123.83202 | 15906.198349999999 | 28264.149 | 22524.47 | 32312.986 | 0 | 0 | 0 | 201918.63537 1000 | Hotels,motels et pensions | 574918 | 0 | 30891.063149999998 | 1450360.295 | 60188.81 | 813842.034 | 315297.13 | 0 | 0 | 3245497.3321499997 1100 | Transport | 1560837 | 153123.54994 | 217895.63706 | 75192.216 | 651278.05 | 32294.282 | 0 | 0 | 0 | 2690620.7350000003 1200 | Immobilier résidentiel / Avance Hypothécaire | 1429818 | 311137.84364 | 1035465.75943 | 255469.533 | 1768911.73 | 408231.204 | 2524152.72 | 0 | 792510 | 8525696.790070001 1300 | Immobilier commercial | 899225 | 29941.753539999998 | 471503.20225 | 1304337.924 | 4761777.7 | 93245.402 | 1159031.32 | 0 | 13967 | 8733029.301789999 1400 | Télécommunications | 246900 | 0 | 3646.7466099999997 | 127224.312 | 183246.92 | 37915.403 | 0 | 0 | 153854 | 752787.38161 1500 | Services financiers | 85549 | 86594.69965000001 | 119656.60457 | 1649354.295 | 2336040.86 | 1336913.933 | 0 | 77535.02437 | 635599 | 6327243.41659 1510 | Services professionnels | 901730 | 27451.660809999998 | 53864.94053 | 598920.54 | 302508.24 | 198448.457 | 0 | 0 | 71030 | 2153953.8383400002 1520 | Services médicaux | 0 | 998.4891899999999 | 3483.65875 | 41120.732 | 24401.62 | 47191.427 | 0 | 0 | 1145 | 118340.92694 1530 | Services d'agence

ou de représentation | 1521 | 1058.40156 | 0.74427 | 28684.531 | 24667.94 | 7378.231 | 0 | 0 | 0 | 63310.84783 1540 | Services d'enseignement | 23079 | 0 | 9464.889449999999 | 151258.693 | 8288.22 | 17053.249 | 0 | 0 | 7110 | 216254.05145 1550 | Autres services | 470208 | 17990.21457 | 11556.63282 | 1052832.902 | 318336 | 457638.73 | 0 | 0 | 13213 | 2341775.47939 1560 | Crédit à la consommation | 3382134 | 146726.18811000002 | 1039550.45393 | 2035162.21 | 1518853.34 | 178451.55 | 152863.59 | 0 | 638962 | 9092703.33204 1570 | Zone Franche | 0 | 0 | 281497.47002 | 334689.683 | 0 | 0 | 0 | 0 | 0 | 616187.1530200001 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 723382.11 | 0 | 0 | 0 | 0 | 723382.11 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 10703.32 | 0 | 0 | 0 | 0 | 10703.32 Total | 12540134 | 1659179.13607 | 6594332.10026 | 25788575.329999994 | 26460875.400000006 | 7302884.624279999 | 4178975.83 | 912983.38621 | 2979866 | 88417805.80681996 (1) Commerce de gros Import-export | 40997 | 38477.17 | 480886.19 | 926447.91 | 1599901.62 | 132487 | 0 | 0 | 0 | 3219196.89 Produits pétroliers | 0 | 0 | 0 | 3790.79 | 0 | 105931 | 0 | 0 | 0 | 109721.79 Produits pharmaceutiques | 0 | 0 | 0 | 140532.02 | 117279.92 | 12185 | 0 | 0 | 0 | 269996.94 Produits alimentaires | 425371 | 18893.67 | 303150.21 | 1883830.76 | 847937.12 | 440114 | 0 | 217797.84 | 3785 | 4140879.6 Matériaux de construction | 0 | 108378.09 | 0 | 277868.61 | 399763.72 | 492596 | 0 | 0 | 7997 | 1286603.42 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 208216 | 125850.13 | 168318.51 | 864563.89 | 541925.85 | 175833.6 | 0 | 0 | 0 | 2084707.98 S-Total | 674584 | 291599.06 | 952354.91 | 4097033.98 | 3506808.23 | 1359146.6 | - | 217797.84 | 11782 | 11111106.620000001 (2) Commerce de détail Produits pétroliers | 20448 | 6863.81 | 13448.94 | 120083.89 | 140973.02 | 13269 | 0 | 0 | 0 | 315086.66000000003 Produits pharmaceutiques | 8107 | 0 | 505.49 | 6260.02 | 8035.49 | 18334 | 0 | 0 | 1012 | 42254 Véhicules automobiles | 10931 | 0 | 16661.02 | 1255009.62 | 2177823.42 | 98846 | 0 | 0 | 0 | 3559271.06 Produits alimentaires | 2273 | 0 | 93322.98 | 1085500.09 | 542180.28 | 113031 | 0 | 0 | 4695 | 1841002.35 Librairie ,papeterie | 1231 | 0 | 1.33 | 37490.88 | 26491.31 | 13565 | 0 | 0 | 534 | 79313.52 Appareils électro- ménagers électroni.équip. inform. | 18163 | 0 | 32201.24 | 310677.73 | 217451.58 | 190078 | 0 | 84072.18 | 0 | 852643.73 Matériaux de construction | 0 | 1184.66 | 0 | 257614.67 | 347672.81 | 654 | 0 | 0 | 0 | 607126.14 Autres | 44169 | 438981.64 | 39829.46 | 917343.26 | 597091.74 | 63077 | 0 | 0 | 1020 | 2101512.1 S-Total | 105322 | 447030.11 | 195970.46 | 3989980.16 | 4057719.6500000004 | 510854 | - | 84072.18 | 7261 | 9398209.56 [Secteur d'activité sept. 16 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 septembre 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 1.3426439350318606e-06 | 0.0003084411953050685 | 0 | 0 | 0 | 0 | 0 | 9.006232135412004e-05 200 | Industrie alimentaire | 0.007452870918285243 | 0.0034836524124156687 | 0.029009663091195768 | 0.01656013294783276 | 0.07018085539225961 | 0.048552511129800004 | 0.006444643638917624 | 0.151

2622228245399 | 0.08036770780968003 | 0.037704382334749785 210 | Industrie des boissons | 0.00010940871923697147 | 0 | 0.0013791411642191062 | 0.03768666719907556 | 0.09391881078885242 | 0.019286789295796452 | - | 0.12845333416946186 | 0.022174151455132546 | 0.04288420011388172 220 | Industrie du bois | 0.0012311670672737628 | 0 | 0.0015184385132203466 | 0.00013986681907953233 | 0 | 0.00013279957850841932 | - | 0 | 0 | 0.0003396247345880616 230 | Industrie chimique | 0 | 0 | 0.0022201664577103657 | 0.012497958063819885 | 0.0028027228456697236 | 0.007761959269018113 | - | 0.1410113636946156 | 0 | 0.006746754998233483 240 | Industrie du textile | 0.0058419630922604176 | 0 | 0.01693394252400439 | 0.030279513622127656 | 0.00017446285998535025 | 0.027982701838199665 | - | 0 | 0.0024950786377642485 | 0.013370592393492907 250 | Industrie pharmacie | 0 | 0 | 0.0010183669957621979 | 0.0006838050871110298 | 9.694274891600901e-05 | 0.004442649948505617 | - | 0 | 0 | 0.0006713484758906043 260 | Imprimerie, édition | 0.0013385821873992735 | 0 | 0.0007303256882998227 | 0.006112284605991068 | 0.0013651252822875239 | 0.010640693095663045 | - | 0 | 0.0015081215061348396 | 0.003365309548396967 270 | Sidérurgie, aciérie | 0.027674026449797107 | 0 | 0.021725367018496297 | 0.017230478935495352 | 0.0028882649891469572 | 0.030243707023069052 | - | 0 | 0.016933311766368017 | 0.014503878493907212 280 | Industrie de la fabrication | 0.004904572790051525 | 0.00209235637944614 | 0.025451326767934945 | 0.051790518472196664 | 0.01349869362220722 | 0.021174852124306417 | - | 0 | 0.0006369413926666501 | 0.023548837421946044 290 | Autres industries | 0 | 0 | 0.02430483430364096 | 0.0051017735689705525 | 0.013863335375518223 | 0.009101819543883774 | - | 0.16370687074651932 | 0 | 0.009891772299245845 300 | Production et distribution de l'électricité | 0.03559347930412865 | 0 | 0.04860230583585006 | 0.04300870559180286 | 0.0024767434564919944 | 3.278184064473057e-05 | - | 0 | 0 | 0.02196114429442475 400 | Production et distribution de gaz | 0 | 0.0012002590116441663 | 0.0001325505626211238 | 9.711389512419416e-05 | 0.003375792699586952 | 0.01529741968380257 | - | 0 | 0 | 0.002334503500244956 500 | Traitement et distribution de l'eau | 0 | 0.004253942806150514 | 0.045352566824501964 | 0.0018538045777343067 | 0.001398463559523809 | 8.055720859180372e-07 | - | 0 | 0 | 0.004421568357443281 600 | Entrep/ batiment et corps/ métiers corresp. | 0.08216172171684928 | 0.06570225785156018 | 0.10790330752555595 | 0.10891584378189846 | 0.02755894349587542 | 0.047987871164615496 | - | 0 | 0.08845599097409078 | 0.06789284243894879 700 | Commerce de gros(1) | 0.05379408226419271 | 0.17574899656145238 | 0.1444202224395782 | 0.15887007810911907 | 0.1325280504514223 | 0.18611089955895338 | - | 0.2385561920290006 | 0.003953869066595612 | 0.12566593741441798 800 | Commerce de détail(2) | 0.008398714080726729 | 0.27792087906929025 | 0.029718016513343836 | 0.15471890521065093 | 0.15334789906459403 | 0.06995236489175204 | 0.00016728022090522595 | 0.09208511478944056 | 0.00243635116478392 | 0.10646042378348576 900 | Rest/débits/boissons, casinos/activités/loterie | 0.00787766701695532 | 0.0024854652100844746 | 0.0024121014999188245 | 0.001095994976004749 | 0.000851236765961265 | 0.004424688005143691 | - | 0 | 0 | 0.002283687471403247 1000 | Hotels,motels et pensions | 0.04584624055851397 | 0 | 0.004684487023148566 | 0.05624041950517474 | 0.0022746341188697025 | 0.11144117371020876 | 0.07544842153346458 | 0 | 0 | 0.03670637721140625 1100 | Transport | 0.12446733025340878 | 0.09228873881737372 | 0.033042866775152085 | 0.0029157181053165227 | 0.024612868627921506 | 0.004422126825423308 | - | 0 | 0 | 0.030430756683541945 1200 | Immobilier résidentiel | 0.1140193557740292 | 0.18752516643680434 | 0.1570235990069675 | 0.009906306561371417 | 0.06685008350101673 | 0.05589999363302937 | 0.6040122802050282 | 0 | 0.2659549120665157 | 0.09642511157421627 1300 | Immobilier commercial | 0.0717077664

4013532 | 0.018046124670372404 | 0.07150128247732772 | 0.05057813032744994 | 0.17995541069665438 | 0.012768297295836464 | 0.27734817504316606 | 0 | 0.004687123514950001 | 0.09877002965749226 1400 | Télécommunications | 0.019688784824787357 | 0 | 0.0005530122769910567 | 0.004933359457511375 | 0.006925202482152196 | 0.00519183924581557 | - | 0 | 0.05163118073094562 | 0.00851397944950965 1500 | Services financiers | 0.006822016415454572 | 0.05219129011898726 | 0.0181453713205136 | 0.06395678217560537 | 0.08828282604739522 | 0.18306655544784922 | - | 0.0849249017464221 | 0.21329784627899376 | 0.07156073778186835 1510 | Services professionnels | 0.0719075250711037 | 0.016545326669803195 | 0.008168369398301342 | 0.023224258507342683 | 0.011432283906979129 | 0.02717398222891482 | 0 | 0 | 0.023836642318815677 | 0.024361086759448383 1520 | Services médicaux | 0 | 0.0006017970985128601 | 0.0005282807564184774 | 0.0015945329074523952 | 0.0009221773516986514 | 0.006462025545782557 | 0 | 0 | 0.0003842454660712931 | 0.001338428678026208 1530 | Services d'agence ou de représentation | 0.00012129056994127815 | 0.0006379067437570204 | 1.1286510728973675e-07 | 0.0011122960703700108 | 0.0009322420224993763 | 0.0010103173443914881 | 0 | 0 | 0 | 0.0007160418340206834 1540 | Services d'enseignement | 0.0018404109557361987 | 0 | 0.0014353067613362724 | 0.00586533730787524 | 0.0003132254649443683 | 0.002335138767399232 | 0 | 0 | 0.002386013330800781 | 0.002445820154398353 1550 | Autres services | 0.037496250040071344 | 0.010842840401556858 | 0.0017525099804337045 | 0.040825555057910995 | 0.012030440988358228 | 0.06266547447271484 | 0 | 0 | 0.004434092002794756 | 0.026485338083444852 1560 | Crédit à la consommation | 0.26970477348966126 | 0.08843299974078851 | 0.1576430240583444 | 0.07891720205390658 | 0.05739996568669832 | 0.024435761918886096 | 0.03657919935851842 | 0 | 0.21442642051689573 | 0.1028379210394141 Zone Franche | 0 | 0 | 0.042687790930168834 | 0.012978215303373258 | 0 | 0 | 0 | 0 | 0 | 0.006969039181613253 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0.02733779964059692 | 0 | 0 | 0 | 0 | 0.008181407618059248 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0.000404496065916247 | 0 | 0 | 0 | 0 | 0.00012105389748514226 Total | 0.9999999999999999 | 0.9999999999999999 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1.0000000000000004 (1) Commerce de gros Import-export | 0.0032692633109024194 | 0.023190485682660286 | 0.07292416922420994 | 0.03592474179534291 | 0.060462913483202436 | 0.018141735330107597 | - | 0 | 0 | 0.03640892081209838 Produits pétroliers | 0 | 0 | 0 | 0.00014699493676915734 | 0 | 0.014505364037631072 | - | 0 | 0 | 0.001240946764045764 Produits pharmaceutiques | 0 | 0 | 0 | 0.005449390600360862 | 0.004432201060135749 | 0.001668518760311284 | - | 0 | 0 | 0.0030536489515460724 Produits alimentaires | 0.03392076990564854 | 0.011387359923505501 | 0.045971328921703455 | 0.07304904345795826 | 0.03204493831674215 | 0.06026577477846864 | - | 0.2385561920290006 | 0.0012701913441745367 | 0.04683309614182487 Matériaux de construction | 0 | 0.06532030667689614 | 0 | 0.010774872455895378 | 0.01510772844650483 | 0.06745225008242078 | - | 0 | 0.0026836777224210754 | 0.014551406340155525 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.016603969303677298 | 0.07585083928797091 | 0.025524724481705067 | 0.03352507375598403 | 0.02048026914483713 | 0.02407728028666969 | - | 0 | 0 | 0.02357792031793668 S-Total | 0.05379400252022826 | 0.17574899157103285 | 0.14442022262761847 | 0.15887011700231057 | 0.1325280504514223 | 0.18611092327560907 | - | 0.2385561920290006 | 0.003953869066595612 | 0.12566593932760728 (2) Commerce de détail Produits pétroliers | 0.0016306045852460588 | 0.004136870968771886 | 0.0020394696226278533 | 0.004656476306401686 | 0.005327602275773535 | 0.0018169532565096

78 | - | 0 | 0 | 0.0035636109392764 Produits pharmaceutiques | 0.0006464843198645245 | 0 | 7.665522335159154e-05 | 0.00024274392516432204 | 0.00030367438259431125 | 0.002510514809318595 | - | 0 | 0.0003396125866062434 | 0.0004778901671945902 Véhicules automobiles | 0.0008716812754951422 | 0 | 0.002526566716186935 | 0.04866533354171141 | 0.08230352877894581 | 0.013535199456850977 | - | 0 | 0 | 0.040255138968009335 Produits alimentaires | 0.00018125803121402052 | 0 | 0.014151998804597736 | 0.042092286065032514 | 0.02048988447298308 | 0.01547758260129214 | - | 0 | 0.0015755742036722457 | 0.020821624481638035 Librairie ,papeterie | 9.816482024833227e-05 | 0 | 2.0168835596671893e-07 | 0.0014537786411328681 | 0.0010011501735879833 | 0.0018574851853608999 | - | 0 | 0.00017920268897997428 | 0.0008970310818760703 Appareils électro- ménagers électroni.équip. inform. | 0.001448389626458537 | 0 | 0.004883169289992292 | 0.012047107140447065 | 0.008217852837929918 | 0.02602779720331951 | - | 0.09208511487706537 | 0 | 0.00964334866964356 Matériaux de construction | 0 | 0.0007140036746158914 | 0 | 0.009989488240566566 | 0.01313912728677147 | 0 | - | 0 | 0 | 0.006866559676073417 Autres | 0.003522211166164572 | 0.26457760374192624 | 0.00603995361386631 | 0.03557169204817799 | 0.02256507885600791 | 0.008637271878880168 | - | 0 | 0.0003422972710853441 | 0.02376797389194998 S-Total | 0.008398793824691188 | 0.26942847838531403 | 0.029718014958978686 | 0.15471890590863444 | 0.15334789906459403 | 0.06986280439153196 | - | 0.09208511487706537 | 0.0024366867503438075 | 0.10629317787566138 [Secteur d'activité sept.16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 septembre 2016 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 779906 | 752719.59231 | 1148325.37901 | 8087013.119 | 7564527.88 | 1870000.4768 | 699.06 | 301870.01992 | 19042 | 20524103.527039997 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2155792 | 138217.2978 | 244824.73188999997 | 5000796.137 | 3096956.16 | 2910779.047 | 315297.13 | 77535.02437 | 728097 | 14668294.52806 Industries Manufacturières ( 200 à 290 ) | 608856 | 9251.597450000001 | 1101117.3765099999 | 4927196.5260000015 | 5260136.620000001 | 1309556.797 | 26932.01 | 533578.34192 | 369847 | 14146472.268880002 Prêts aux Particuliers ( 1560 ) | 3382134 | 146726.18811000002 | 1039550.45393 | 2035162.21 | 1518853.34 | 178451.55 | 152863.59 | 0 | 638962 | 9092703.33204 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 2329043 | 341079.59718 | 1506968.96168 | 1559807.4570000002 | 6530689.43 | 501476.606 | 3683184.04 | 0 | 806477 | 17258726.09186 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1807737 | 153123.54994 | 221542.38367 | 202416.528 | 834524.9700000001 | 70209.685 | 0 | 0 | 153854 | 3443408.1166100004 Bâtiments et Travaux Publics ( 600 ) | 1030319 | 109011.81542 | 711550.24454 | 2808784.442 | 729233.77 | 350449.88648000004 | 0 | 0 | 263587 | 6002936.158439999 Électricité, Gaz et Eau ( 300 à 500 ) | 446347 | 9049.497860000001 | 620443.71519 | 1159444.652 | 191867.8 | 111960.576 | 0 | 0 | 0 | 2539113.24105 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 8.85384 | 7954.259 | 734085.4299999999 | 0 | 0 | 0 | 0 | 742048.5428399999 Total | 12540134 | 1659179.13607 | 6594332.10026 | 25788575.33 | 26460875.4 | 7302884.624279999 | 4178975.83 | 912983.38621 | 2979866 | 88417805.80682 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.06219279634491944 | 0.4536698756307427 | 0.17413823895292202 | 0.3135889833197699 | 0.2858759495160164 | 0.25606326445070543 | 0.00016728022090522595 | 0.33064130681844117 | 0.006390220231379532 | 0.23212636119790359 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.17191140062777638 | 0.08330462624270167 | 0.03712653960517807 | 0.19391517650773615 | 0.11703906666670598

| 0.3985793555224046 | 0.07544842153346458 | 0.0849249017464221 | 0.24433883939747628 | 0.16589751797401625 Industries Manufacturières ( 200 à 290 ) | 0.0485525912243043 | 0.005576008791861809 | 0.166979363454653 | 0.19106121462507336 | 0.1987892139048431 | 0.17932048284675056 | 0.006444643638917624 | 0.5844337914351367 | 0.12411531256774634 | 0.15999573999594582 Prêts aux Particuliers ( 1560 ) | 0.26970477348966126 | 0.08843299974078851 | 0.1576430240583444 | 0.07891720205390657 | 0.05739996568669834 | 0.024435761918886096 | 0.03657919935851842 | 0 | 0.21442642051689573 | 0.10283792103941405 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.18572712221416454 | 0.20557129110717673 | 0.2285248814842952 | 0.06048443688882135 | 0.24680549419767117 | 0.06866829092886584 | 0.8813604552481942 | 0 | 0.27064203558146577 | 0.19519514123170842 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.14415611507819615 | 0.09228873881737372 | 0.03359587905214314 | 0.007849077562827897 | 0.03153807111007371 | 0.00961396607123888 | 0 | 0 | 0.05163118073094562 | 0.03894473613305158 Bâtiments et Travaux Publics ( 600 ) | 0.08216172171684928 | 0.06570225785156018 | 0.10790330752555595 | 0.10891584378189843 | 0.027558943495875426 | 0.047987871164615496 | 0 | 0 | 0.08845599097409078 | 0.06789284243894876 Électricité, Gaz et Eau ( 300 à 500 ) | 0.03559347930412865 | 0.005454201817794681 | 0.09408742322297316 | 0.04495962406466135 | 0.007250999715602758 | 0.01533100709653322 | 0 | 0 | 0 | 0.028717216152112975 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1.3426439350318606e-06 | 0.00030844119530506846 | 0.02774229570651317 | 0 | 0 | 0 | 0 | 0.008392523836898504 Total | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1.0000000000000002 | 1 [Secteur d'activité juin 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 7641.554 | 82076.32 | 2003.886 | 0 | 0 | 0 | 91721.76000000001 200 | Industrie alimentaire | 351505 | 5780.0034000000005 | 232348 | 429346.733 | 1268610.73 | 194407.615 | 0 | 140535.88934 | 192385 | 2814918.9707400007 210 | Industrie des boissons | 1228 | 0 | 3085 | 982813.872 | 2130703.81 | 140909.228 | 0 | 244488.9683 | 69130 | 3572358.8783 220 | Industrie du bois | 13139 | 48.68306 | 143 | 1209.002 | 0 | 1121.229 | 0 | 0 | 0 | 15660.91406 230 | Industrie chimique | 0 | 0 | 26599 | 331900.712 | 71039.18 | 86674.929 | 0 | 135024.67799 | 0 | 651238.49899 240 | Industrie du textile | 252664 | 0 | 211570 | 772048.106 | 123954.46 | 185900.851 | 0 | 0 | 10987 | 1557124.4170000001 250 | Industrie pharmacie | 0 | 0 | 153 | 10601.085 | 8798.7 | 31009.916 | 0 | 0 | 0 | 50562.701 260 | Imprimerie, édition | 426110 | 133.4868 | 6621 | 165027.037 | 121272.84 | 56677.751 | 0 | 0 | 4565 | 780407.1148000001 270 | Sidérurgie, aciérie | 0 | 0 | 141486 | 455702.936 | 81269.24 | 286892.94 | 0 | 0 | 50312 | 1015663.1159999999 280 | Industrie de la fabrication | 62125 | 3571.18483 | 107245 | 1097222.513 | 410160.21 | 106405.657 | 0 | 2209.39352 | 5077 | 1794015.95835 290 | Autres industries | 0 | 0 | 15719 | 126722.53 | 397161.27 | 63180.634 | 0 | 0 | 0 | 602783.434 300 | Production et distribution de l'électricité | 308289 | 0 | 287232 | 1090414.871 | 62893.9 | 238.801 | 0 | 78439.511

05 | 0 | 1827508.08305 400 | Production et distribution de gaz | 0 | 2366.73555 | 1390 | 2966.934 | 112584.23 | 110029.288 | 0 | 0 | 0 | 229337.18755 500 | Traitement et distribution de l'eau | 0 | 5446.20654 | 329288 | 49519.873 | 38727.42 | 0 | 0 | 0 | 0 | 422981.49954 600 | Entrep/ batiment et corps/ métiers corresp. | 1037167 | 103320.80734 | 630040 | 2922712.673 | 558558.42 | 322399.079 | 0 | 0 | 343891 | 5918088.97934 700 | Commerce de gros(1) | 795584 | 302411.91104000004 | 937466 | 3955374.707 | 2904491.1 | 901101.56 | 0 | 0 | 38436 | 9834865.278040001 800 | Commerce de détail(2) | 112223 | 309282.21386 | 252270 | 3540223.815 | 3838202.34 | 590120.703 | 976.35 | 219335.64534000002 | 7112 | 8869746.0672 900 | Rest/débits/boissons, casinos/activités/loterie | 96038 | 0 | 16459 | 24265.352 | 22399.4 | 34664.245 | 0 | 0 | 40 | 193865.997 1000 | Hotels,motels et pensions | 395855 | 0 | 31067 | 1397934.103 | 59244.35 | 784205.434 | 317525.88 | 0 | 0 | 2985831.767 1100 | Transport | 1554313 | 152884.53365 | 92419 | 61328.091 | 655729.32 | 35197.837 | 0 | 266599.47722 | 0 | 2818471.25887 1200 | Immobilier résidentiel / Avance Hypothécaire | 1394969 | 313445.49375 | 820815 | 258007.947 | 1570107.39 | 408753.777 | 2428502.02 | 0 | 799993 | 7994593.62775 1300 | Immobilier commercial | 679838 | 30206.472719999998 | 299085 | 994917.856 | 4708091.56 | 65250.352 | 1166713.92 | 0 | 19914 | 7964017.16072 1400 | Télécommunications | 309684 | 0 | 1937 | 149013.612 | 206746.26 | 748.646 | 0 | 0 | 238979 | 907108.5179999999 1500 | Services financiers | 87834 | 97327.28409 | 126258 | 1372830.564 | 1905198.12 | 1265374.71 | 0 | 0 | 1032237 | 5887059.6780900005 1510 | Services professionnels | 907374 | 27184.64624 | 126959 | 576492.22 | 170534.24 | 170042.2 | 0 | 0 | 72278 | 2050864.30624 1520 | Services médicaux | 0 | 1101.76905 | 3510 | 42628.315 | 4106.41 | 45914.378 | 0 | 0 | 1380 | 98640.87205 1530 | Services d'agence ou de représentation | 1729 | 1058.40156 | 16 | 19665.103 | 18428.8 | 72.765 | 0 | 0 | 0 | 40970.06956 1540 | Services d'enseignement | 24706 | 0 | 17421 | 157030.586 | 7961.86 | 18295.095 | 0 | 0 | 6766 | 232180.541 1550 | Autres services | 478400 | 52582.514950000004 | 5622 | 1151037.549 | 393967.7 | 441943.405 | 0 | 328.07344 | 13340 | 2537221.24239 1560 | Crédit à la consommation | 2860353 | 176196.2454 | 1006378 | 1832483.071 | 1455189.48 | 226771.87 | 215797.89 | 7594.5109 | 622651 | 8403415.0673 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 729409.43 | 0 | 0 | 0 | 0 | 729409.43 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 2215.05 | 0 | 0 | 0 | 0 | 2215.05 Total | 12151127 | 1584348.5938299997 | 5730601 | 23979083.321999993 | 24119833.540000003 | 6576308.780999999 | 4129516.06 | 1094556.1471000002 | 3529473 | 82894847.44393001 (1) Commerce de gros Import-export | 8678 | 38282.444729999996 | 754600 | 974884.688 | 1203274.73 | 134705 | 0 | 0 | 0 | 3114424.86273 Produits pétroliers | 111145 | 0 | 0 | 5212.261 | 0 | 35282 | 0 | 0 | 0 | 151639.261 Produits pharmaceutiques | 0 | 361.83167 | 0 | 141785.045 | 108152.28 | 12979 | 0 | 0 | 0 | 263278.15667000005 Produits alimentaires | 447832 | 19235.82991 | 172249 | 1877821.23 | 603263.2 | 338755 | 0 | 0 | 3659 | 3462815.2599099996 Matériaux de construction | 0 | 104410.31911 | 0 | 142653.666 | 441951.57 | 372745 | 0 | 0 | 34777 | 1096537.55511 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 227930 | 140121.48562 | 10616 | 813017.817 | 547849.32 | 6635 | 0 | 0 | 0 | 1746169.62262 S-Total | 795585 | 302411.91104 | 937465 | 3955374.7070000004 | 2904491.0999999996 | 901101 | - | 0 | 38436 | 9834864.718039999 (2) Commerce de détail Produits pétroliers | 21692 | 7117.233179999999 | 10634 | 120698.032 | 120499.19 | 10790 | 0 | 0 | 0 | 291430.45518 Produits pharmaceutiques | 0 | 0 | 187 | 7206.571 | 1025.

43 | 19419 | 0 | 0 | 733 | 28571.001 Véhicules automobiles | 18156 | 0 | 27493 | 915218.07 | 1960724.54 | 118790 | 0 | 0 | 0 | 3040381.61 Produits alimentaires | 19 | 0 | 156672 | 809466.819 | 472160.61 | 167918 | 0 | 0 | 5241 | 1611477.429 Librairie ,papeterie | 1255 | 0 | 21 | 43520.698 | 36348.78 | 13099 | 0 | 0 | 658 | 94902.478 Appareils électro- ménagers électroni.équip. inform. | 17272 | 0 | 31222 | 289345.54 | 191049.31 | 190590 | 0 | 21780.72068 | 0 | 741259.57068 Matériaux de construction | 0 | 1253.0785700000001 | 0 | 321784.218 | 259718.9 | 18 | 0 | 1528.38466 | 0 | 584302.58123 Autres | 53831 | 287389.71361000004 | 26042 | 1032983.866 | 796675.59 | 69497 | 0 | 0 | 482 | 2266901.16961 S-Total | 112225 | 295760.02536 | 252271 | 3540223.814 | 3838202.3499999996 | 590121 | - | 23309.10534 | 7114 | 8659226.2947 [Secteur d'activité juin 16 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 juin 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 0.00031867581831158384 | 0.0034028559883668252 | 0.0003047128817596803 | 0 | 0 | 0 | 0.0011064832474906297 200 | Industrie alimentaire | 0.02892776941595623 | 0.003648189181667045 | 0.040545136539780036 | 0.017905051966940245 | 0.0525961643929322 | 0.029561813697324326 | 0 | 0.12839532235266907 | 0.05450813761714567 | 0.03395770735501997 210 | Industrie des boissons | 0.00010106058475069844 | 0 | 0.0005383379509409222 | 0.04098629871719498 | 0.08833824688161591 | 0.02142679620018895 | - | 0.22336813780432146 | 0.019586493507670975 | 0.04309506547697479 220 | Industrie du bois | 0.0010812988786966017 | 3.0727492793939816e-05 | 2.4953752669222653e-05 | 5.0419024937904185e-05 | 0 | 0.00017049518770155818 | - | 0 | 0 | 0.00018892506039766855 230 | Industrie chimique | 0 | 0 | 0.004641572498242331 | 0.01384125938190024 | 0.0029452599613587543 | 0.01317987519844227 | - | 0.12336021166912688 | 0 | 0.007856199981916813 240 | Industrie du textile | 0.020793462203135563 | 0 | 0.03691933882676529 | 0.032196731444344755 | 0.005139109264350255 | 0.0282682667725544 | - | 0 | 0.0031129293240095618 | 0.018784332983461216 250 | Industrie pharmacie | 0 | 0 | 2.669877033839906e-05 | 0.0004420971751774124 | 0.0003647910747563144 | 0.004715398414623197 | - | 0 | 0 | 0.0006099619283840357 260 | Imprimerie, édition | 0.03506752912713364 | 8.425342788818298e-05 | 0.0011553761987617005 | 0.006882124507595055 | 0.005027930221777143 | 0.00861847472304692 | - | 0 | 0.0012933942262768408 | 0.009414422474543627 270 | Sidérurgie, aciérie | 0 | 0 | 0.024689556994109345 | 0.019004185017444268 | 0.0033693947292473725 | 0.04362522344280416 | - | 0 | 0.014254819345551022 | 0.012252427591316738 280 | Industrie de la fabrication | 0.005112694485046531 | 0.0022540398267827085 | 0.0187144419930824 | 0.045757483647981476 | 0.017005101188604637 | 0.016180149160182816 | - | 0.002018529178109076 | 0.0014384583760805084 | 0.021642068399528334 290 | Autres industries | 0 | 0 | 0.002742993274178398 | 0.005284711191763381 | 0.016466169608565215 | 0.009607309526362098 | - | 0 | 0 | 0.007271663469888428 300 | Production et distribution de l'électricité | 0.025371226882905593 | 0 | 0.05012249151528784 | 0.04547358447182931 | 0.0026075594549895055 | 3.63123156093178e-05 | - | 0.07166330503722772 | 0 | 0.022046099840959652

400 | Production et distribution de gaz | 0 | 0.0014938224827647684 | 0.00024255745601552088 | 0.00012373008426381084 | 0.004667703440543727 | 0.01673116206433191 | - | 0 | 0 | 0.0027666036505480445 500 | Traitement et distribution de l'eau | 0 | 0.0034375052063727696 | 0.057461337824776144 | 0.0020651278589355914 | 0.0016056255088068901 | 0 | - | 0 | 0 | 0.005102627154553897 600 | Entrep/ batiment et corps/ métiers corresp. | 0.08535562174603228 | 0.06521343077045474 | 0.10994309322879049 | 0.12188592173240044 | 0.023157639917941158 | 0.04902432196180663 | - | 0 | 0.09743409285182235 | 0.07139272417797728 700 | Commerce de gros(1) | 0.06547409141555346 | 0.19087460437538584 | 0.16358947342521316 | 0.16495103894864396 | 0.12041920169901801 | 0.13702239204512806 | - | 0 | 0.010890011058308138 | 0.11864266092886284 800 | Commerce de détail(2) | 0.009235604236545302 | 0.19521096245135175 | 0.04402156074031328 | 0.1476379963095572 | 0.15913054846065905 | 0.08973433618338489 | 0.00023643206269550142 | 0.20038775162071354 | 0.00201503170586657 | 0.10699996852276598 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007903629021406821 | 0 | 0.002872124581697452 | 0.0010119382661195127 | 0.0009286714173567219 | 0.005271079286932286 | - | 0 | 1.133313670341153e-05 | 0.0023386977957964247 1000 | Hotels,motels et pensions | 0.03257763662580434 | 0 | 0.005421246392830351 | 0.0582980627002302 | 0.002456250367638316 | 0.11924705182118184 | 0.07689178959144186 | 0 | 0 | 0.03601950976530373 1100 | Transport | 0.12791513083518918 | 0.0964967774424045 | 0.016127278796761457 | 0.0025575661161214435 | 0.02718631199973032 | 0.005352217812778522 | - | 0.24356857154048134 | 0 | 0.034000560297507164 1200 | Immobilier résidentiel | 0.11480161469796177 | 0.19783871742031076 | 0.14323366781250343 | 0.010759708514932532 | 0.06509611218486044 | 0.06215550251851839 | 0.5880839267156162 | 0 | 0.22666075076930747 | 0.09644258810123915 1300 | Immobilier commercial | 0.05594855522454831 | 0.01906554708833298 | 0.05219086095856264 | 0.041491071307433874 | 0.19519585623143562 | 0.009922032886977364 | 0.282530423189588 | 0 | 0.005642202107793429 | 0.09607372962604042 1400 | Télécommunications | 0.025486031048807242 | 0 | 0.0003380099225194705 | 0.006214316452342658 | 0.008571628807352042 | 0.00011383984921191007 | - | 0 | 0.0677095419061146 | 0.01094288180714208 1500 | Services financiers | 0.007228465310254761 | 0.061430473362381256 | 0.022032244087487506 | 0.05725116951157489 | 0.0789888585607544 | 0.1924141265470789 | - | 0 | 0.29246207578298516 | 0.07101840294804815 1510 | Services professionnels | 0.07467406109737805 | 0.017158248093801072 | 0.022154569826096773 | 0.024041461979953504 | 0.007070290917107216 | 0.025856784658785936 | 0 | 0 | 0.020478411366229462 | 0.024740552271686155 1520 | Services médicaux | 0 | 0.0006954082291552939 | 0.0006125012018809196 | 0.001777729132826774 | 0.00017025034576586051 | 0.00698178560785557 | 0 | 0 | 0.0003909932162676978 | 0.001189951789424796 1530 | Services d'agence ou de représentation | 0.00014229132820354852 | 0.0006680357871504927 | 2.792028270682255e-06 | 0.0008200940267786607 | 0.0007640517074646443 | 1.1064717674180637e-05 | 0 | 0 | 0 | 0.0004942414495389731 1540 | Services d'enseignement | 0.00203322704140941 | 0 | 0.0030399952814722225 | 0.006548648415426698 | 0.0003300959762759623 | 0.002781970191676133 | 0 | 0 | 0.00191700007338206 | 0.002800904376560276 1550 | Autres services | 0.03937083366835027 | 0.03318872826016602 | 0.0009810489336109774 | 0.04800173274113287 | 0.016333765295131468 | 0.0672023500898931 | 0 | 0.0002997319423669792 | 0.003779601090587745 | 0.030607707482737976 1560 | Crédit à la consommation | 0.2353981651249304 | 0.11121052910083615 | 0.17561473918704165 | 0.07642006353590503 | 0.06033165517443284 | 0.03448315423618489 | 0.0522574284406585 | 0.0069384388549837955 | 0.1764147225378973 | 0.1013743957124001 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 |

0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0.03024106401026182 | 0 | 0 | 0 | 0 | 0.00879921312954188 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 9.183521089922082e-05 | 0 | 0 | 0 | 0 | 2.6721202442627783e-05 Total | 1 | 1.0000000000000002 | 1 | 1.0000000000000004 | 1 | 1.0000000000000002 | 1 | 0.9999999999999998 | 0.9999999999999998 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.0007141724384906848 | 0.024162892484068877 | 0.13167903331605185 | 0.04065562786153616 | 0.04988735631216134 | 0.02048337517076208 | - | 0 | 0 | 0.03757078948527644 Produits pétroliers | 0.009146888185762522 | 0 | 0 | 0.0002173669831330845 | 0 | 0.0053650157215755 | - | 0 | 0 | 0.0018292965808588842 Produits pharmaceutiques | 0 | 0.00022837882484264978 | 0 | 0.005912863435856076 | 0.004483956318381789 | 0.001973599542268817 | - | 0 | 0 | 0.003176049715853342 Produits alimentaires | 0.03685518223947458 | 0.012141160086177348 | 0.030057754849796732 | 0.07831080132563545 | 0.025011084715802722 | 0.051511419442273915 | - | 0 | 0.0010366986799445696 | 0.04177358866909363 Matériaux de construction | 0 | 0.06590110252037325 | 0 | 0.005949087547859684 | 0.018323160036203132 | 0.056679972369442194 | - | 0 | 0.009853312378363569 | 0.013228054443935093 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.018757930848718806 | 0.08844107045992367 | 0.0018525107575976761 | 0.03390529179462352 | 0.022713644316469023 | 0.0010089246446531783 | - | 0 | 0 | 0.021064875278298898 S-Total | 0.0654741737124466 | 0.19087460437538578 | 0.16358929892344626 | 0.164951038948644 | 0.120419201699018 | 0.1370223068909757 | - | 0 | 0.01089001105830814 | 0.11864265417331629 (2) Commerce de détail Produits pétroliers | 0.0017851842055473536 | 0.004492214155216195 | 0.0018556517894021936 | 0.00503347147925641 | 0.004995854958955906 | 0.0016407380430757791 | - | 0 | 0 | 0.003515664292368995 Produits pharmaceutiques | 0 | 0 | 3.263183041359885e-05 | 0.00030053571703419606 | 4.251397499487055e-05 | 0.0029528722945772524 | - | 0 | 0.00020767973009001628 | 0.0003446655839414554 Véhicules automobiles | 0.0014941823914769387 | 0 | 0.004797577077866702 | 0.038167350173904206 | 0.08129096482976805 | 0.0180633245724719 | - | 0 | 0 | 0.036677570485385246 Produits alimentaires | 1.5636409692697641e-06 | 0 | 0.02733954082652064 | 0.033757204482347404 | 0.019575616441007988 | 0.025533776711510536 | - | 0 | 0.0014849242365644955 | 0.019440019237504498 Librairie ,papeterie | 0.00010328260086492389 | 0 | 3.6645371052704594e-06 | 0.001814944191801996 | 0.0015070079127917561 | 0.001991846860634813 | - | 0 | 0.00018643009877111966 | 0.0011448537626441973 Appareils électro- ménagers électroni.équip. inform. | 0.001421431937959335 | 0 | 0.005448294166702585 | 0.012066580532481627 | 0.007920838660978586 | 0.028981303394792653 | - | 0.019899135131356657 | 0 | 0.008942167016850923 Matériaux de construction | 0 | 0.0007909108985736603 | 0 | 0.013419371111020493 | 0.010767856236208502 | 0 | - | 0.0013963510817141887 | 0 | 0.007048720146631811 Autres | 0.004430124053513719 | 0.18139298051526967 | 0.004544375014069205 | 0.043078538580007875 | 0.033029895860549954 | 0.010567782370680021 | - | 0 | 0.00013656429727610894 | 0.027346707781123906 S-Total | 0.009235768830331541 | 0.18667610556905953 | 0.044021735242080196 | 0.14763799626785418 | 0.15913054887525563 | 0.08973164424774295 | - | 0.021295486213070845 | 0.0020155983627017406 | 0.10446036830645103 [Secteur d'activité juin 16 glo] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2016 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 907807 | 611694.1249 | 1189736 | 7495598.522 | 6742693.4399999995 | 1491222.263 | 976.35 | 219335.64534000002 | 45548 | 18704611.34524 Services et Autres ( 15

00 à 1550 ; 900 ; 1000 ) | 1991936 | 179254.61589000002 | 327312 | 4741883.791999999 | 2581840.88 | 2760512.232 | 317525.88 | 328.07344 | 1126041 | 14026634.47333 Industries Manufacturières ( 200 à 290 ) | 1106771 | 9533.358090000002 | 744969 | 4372594.526000001 | 4612970.440000001 | 1153180.75 | 0 | 522258.92915 | 332456 | 12854734.003240002 Prêts aux Particuliers ( 1560 ) | 2860353 | 176196.2454 | 1006378 | 1832483.071 | 1455189.48 | 226771.87 | 215797.89 | 7594.5109 | 622651 | 8403415.0673 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 2074807 | 343651.96647000004 | 1119900 | 1252925.803 | 6278198.949999999 | 474004.129 | 3595215.94 | 0 | 819907 | 15958610.788469998 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1863997 | 152884.53365 | 94356 | 210341.70299999998 | 862475.58 | 35946.483 | 0 | 266599.47722 | 238979 | 3725579.77687 Bâtiments et Travaux Publics ( 600 ) | 1037167 | 103320.80734 | 630040 | 2922712.673 | 558558.42 | 322399.079 | 0 | 0 | 343891 | 5918088.97934 Électricité, Gaz et Eau ( 300 à 500 ) | 308289 | 7812.9420900000005 | 617910 | 1142901.6779999998 | 214205.55 | 110268.089 | 0 | 78439.51105 | 0 | 2479826.7701399997 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 7641.554 | 813700.8 | 2003.886 | 0 | 0 | 0 | 823346.2400000001 Total | 12151127 | 1584348.5938300004 | 5730601 | 23979083.322 | 24119833.540000003 | 6576308.7809999995 | 4129516.06 | 1094556.1471 | 3529473 | 82894847.44392999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.07470969565209877 | 0.3860855668267374 | 0.20761103416552645 | 0.3125890352582011 | 0.27954975015967704 | 0.22675672822851292 | 0.00023643206269550142 | 0.20038775162071357 | 0.012905042764174708 | 0.2256426294516289 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1639301440928072 | 0.1131408937326541 | 0.05711652233334689 | 0.197750836774043 | 0.10704223458749457 | 0.41976621292107785 | 0.07689178959144186 | 0.00029973194236697923 | 0.31903941466615554 | 0.16920996787909653 Industries Manufacturières ( 200 à 290 ) | 0.09108381469471927 | 0.006017209929131875 | 0.12999840679886804 | 0.1823503620752797 | 0.19125216732320785 | 0.17535380232323067 | 0 | 0.4771422010042266 | 0.09419423239673458 | 0.1550727747214317 Prêts aux Particuliers ( 1560 ) | 0.2353981651249304 | 0.1112105291008361 | 0.17561473918704165 | 0.076420063535905 | 0.06033165517443284 | 0.034483154236184886 | 0.0522574284406585 | 0.006938438854983797 | 0.1764147225378973 | 0.10137439571240013 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.17075016992251008 | 0.21690426450864367 | 0.19542452877106606 | 0.05225077982236639 | 0.26029196841629604 | 0.07207753540549575 | 0.8706143499052041 | 0 | 0.23230295287710093 | 0.19251631772727962 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.15340116188399644 | 0.09649677744240445 | 0.016465288719280928 | 0.008771882568464099 | 0.03575794080708236 | 0.005466057661990431 | 0 | 0.2435685715404814 | 0.0677095419061146 | 0.04494344210464926 Bâtiments et Travaux Publics ( 600 ) | 0.08535562174603228 | 0.06521343077045472 | 0.10994309322879049 | 0.1218859217324004 | 0.023157639917941158 | 0.04902432196180662 | 0 | 0 | 0.09743409285182235 | 0.0713927241779773 Électricité, Gaz et Eau ( 300 à 500 ) | 0.025371226882905593 | 0.004931327689137536 | 0.1078263867960795 | 0.04766244241502869 | 0.008880888404340122 | 0.016767474379941225 | 0 | 0.07166330503722773 | 0 | 0.0299153306460616 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 0.00031867581831158373 | 0.033735755209527866 | 0.00030471288175968025 | 0 | 0 | 0 | 0.00993241757947514 Total | 1 | 0.9999999999999998 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1 | 0.9999999999999999 | 1 [Secteur d'activité mars 16] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement d

es banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 7534.67 | 87434.12 | 2000 | 0 | 0 | 0 | 96968.79 200 | Industrie alimentaire | 363609 | 5780 | 225599 | 423391.53 | 1558843.45 | 134810.04 | 20812.35 | 260667.81 | 160516 | 3154029.18 210 | Industrie des boissons | 1263 | 0 | 3173 | 879171.91 | 2799602.62 | 141517.82 | 0 | 244944.87 | 72183 | 4141856.22 220 | Industrie du bois | 18147 | 73.09 | 6778 | 922.01 | 0 | 0 | 0 | 0 | 0 | 25920.1 230 | Industrie chimique | 0 | 0 | 24318 | 289241.07 | 120456.73 | 91586.99 | 0 | 168523.45 | 0 | 694126.24 240 | Industrie du textile | 257038 | 0 | 229610 | 785562.47 | 127295.25 | 208975.28 | 0 | 0 | 11297 | 1619778 250 | Industrie pharmacie | 0 | 0 | 5461 | 9953.67 | 15734.84 | 18932.1 | 0 | 0 | 0 | 50081.61 260 | Imprimerie, édition | 38925 | 0 | 5151 | 119644.15 | 104728.4 | 36258.7 | 0 | 0 | 3756 | 308463.25 270 | Sidérurgie, aciérie | 376194 | 0 | 152569 | 479243.92 | 87281.38 | 224211.46 | 0 | 0 | 49833 | 1369332.7599999998 280 | Industrie de la fabrication | 63239 | 3791.36 | 109529 | 989786.37 | 472275.93 | 133043.64 | 0 | 28565.25 | 7040 | 1807270.5499999998 290 | Autres industries | 0 | 0 | 18 | 125365.32 | 330482.27 | 61524.52 | 0 | 0 | 0 | 517390.11000000004 300 | Production et distribution de l'électricité | 187454 | 0 | 321352 | 1026916.69 | 0 | 543.19 | 0 | 50974.24 | 0 | 1587240.1199999999 400 | Production et distribution de gaz | 0 | 0 | 1892 | 2421.97 | 170699.76 | 110172.77 | 0 | 0 | 0 | 285186.5 500 | Traitement et distribution de l'eau | 0 | 7180.02 | 264189 | 53100.51 | 43672.86 | 969.91 | 0 | 0 | 0 | 369112.3 600 | Entrep/ batiment et corps/ métiers corresp. | 777875 | 149023.49 | 468949 | 2985068.76 | 556600.41 | 317765.3 | 0 | 0 | 365001 | 5620282.96 700 | Commerce de gros(1) | 821812 | 217564.7 | 730946 | 3852704.81 | 3017367.2 | 792702.91 | 0 | 30881.35 | 46575 | 9510553.97 800 | Commerce de détail(2) | 99883 | 302043.19 | 243896 | 3408913.06 | 3933454.77 | 622140.35 | 1082.05 | 189544.27 | 6659 | 8807615.69 900 | Rest/débits/boissons, casinos/activités/loterie | 94513 | 0 | 7214 | 24878.16 | 21163.37 | 20981.93 | 0 | 0 | 161 | 168911.46 1000 | Hotels,motels et pensions | 355891 | 0 | 6691 | 1393462.51 | 306445.68 | 771254.99 | 319008.65 | 0 | 0 | 3152753.8299999996 1100 | Transport | 103700 | 132182.39 | 61225 | 66564.67 | 655292.14 | 32292.09 | 0 | 0 | 0 | 1051256.29 1200 | Immobilier résidentiel / Avance Hypothécaire | 1331300 | 270168.75 | 754087 | 305844.46 | 1493239.23 | 412769.92 | 2422473.81 | 0 | 788369 | 7778252.17 1300 | Immobilier commercial | 668182 | 45893.09 | 201637 | 893800.24 | 4438249.79 | 65341.5 | 969314.73 | 0 | 27081 | 7309499.35 1400 | Télécommunications | 369355 | 0 | 2435 | 151077.08 | 215303.74 | 839.17 | 0 | 0 | 256285 | 995294.99 1500 | Services financiers | 81362 | 38293.52 | 114378 | 1354371.13 | 2041172.24 | 1160405.61 | 0 | 281192.43 | 858112 | 5929286.93 1510 | Services professionnels | 913678 | 26072.68 | 62168 | 603160.52 | 174172.16 | 141931.7 | 0 | 0 | 73112 | 1994295.06 [text truncated at 1,600,000 bytes for storage]