Detailed CAMEL financial summary for development finance companies, fiscal year 2022-2023
Summary — One-page CAMEL ratio table for Haiti's development finance companies in fiscal year 2022-2023, with system totals and separate columns for FDI and SOFIHDES. It reports capital, asset quality, management, earnings and liquidity indicators.
Key Findings
- Shareholders' equity equals 18.11 percent of system assets.
- Non-performing loans equal 60.36 percent of system gross loans.
- Provisions cover 59.34 percent of system gross non-performing loans.
- System return on assets is 0.41 percent.
- System return on equity is 2.28 percent.
- System liquid assets equal 13.67 percent of assets.
Full Description
The system column reports shareholders' equity equal to 18.11 percent of assets, non-performing loans equal to 60.36 percent of gross loans, provisions equal to 59.34 percent of gross non-performing loans, return on assets of 0.41 percent, return on equity of 2.28 percent and liquid assets equal to 13.67 percent of assets. The same measures are shown separately for FDI and SOFIHDES.
Full Document Text
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SYSTÈME FINANCIER - SOCIÉTÉS FINANCIÈRES DE DÉVELOPPEMENT (SFD)
SOMMAIRE FINANCIER DÉTAILLÉ
Exercice 2022-2023
SYSTÈME FDI SOFIHDES
C
Immobilisations/avoir des actionnaires 42,45% 39,34% 56,80%
Avoir des Actionnaires en % de l'Actif 18,11% 21,18% 11,30%
Prêts improductifs en % prêts bruts 60,36% 74,66% 20,35%
A Provisions en % des prêts improductifs bruts 59,34% 61,05% 41,72%
Prêts impr. Nets en % de l'avoir des actionnaires 73,69% 79,77% 48,42%
M
Dépenses d’exploitation en % du Produit Net 76,08% 75,65% 76,81%
Salaires en % des dépenses d’exploitation 58,77% 65,92% 46,81%
Productivité par employé
ROA 0,41% 0,14% 1,01%
E
ROE 2,28% 0,64% 9,49%
Revenu net d’intérêts / revenus d’intérêts 85,90% 100,00% 72,68%
Rendement du portefeuille brut 7,72% 5,13% 14,70%
L Liquidité en % de l'actif
Liquidités en % du passif
13,67%
16,69%
12,77%
16,20%
15,65%
17,65%