Résumé financier 2007-2012

Résumé Financier (2007 - 2012)
Financial Highlights and Key Indicators (2007 - 2012)
(au 30 septembre et en millions de Gourdes-MG, bilan consolidé, sauf indication contraire)
Résultats des Opérations
Produit net bancaire, après provision
Dépenses de fonctionnement
Revenu avant impôt et
avant participation minoritaire
Revenu net, après impôts
2011
2010
2009
2008
2007
MG
MG
3,706.68
2,463.13
3,813.54
2,316.31
3,057.99
2,138.32
3,003.53
2,262.92
2,799.34
2,064.35
2,329.34
1,791.56
9.74%
6.57%
MG
MG
1,243.55
1,149.01
1,497.22
1,195.25
919.67
715.87
741.35
521.34
734.99
512.88
537.77
471.48
18.25%
19.50%
MG
MG
MG
MG
MG
51,773.75
24,330.80
18,241.11
9,676.20
43,752.08
4,361.55
46,858.63
21,481.43
14,041.84
12,157.80
40,425.08
3,928.85
41,217.92
14,475.12
8,723.07
15,213.96
35,096.32
3,081.89
33,321.95
14,819.27
9,859.39
9,659.41
26,878.95
2,592.32
30,703.22
13,091.63
8,633.37
8,855.53
24,080.76
2,365.43
24,370.61
10,847.79
6,896.06
7,295.61
19,409.72
2,045.28
16.26%
17.53%
21.48%
5.81%
17.65%
16.35%
MG
4,544.52
4,125.52
3,169.73
2,727.10
2,452.11
2,112.72
16.55%
MG
27.72%
2.33%
66.45%
18.47%
0.50%
51.21
34.10%
2.71%
60.74%
18.96%
0.73%
49.85
25.23%
1.92%
69.93%
22.14%
1.38%
46.31
21.03%
1.63%
75.34%
18.96%
0.51%
30.77
23.26%
1.86%
73.74%
22.01%
0.93%
28.43
24.81%
2.00%
76.91%
23.81%
0.69%
25.23
2.25%
3.11%
-2.88%
-4.95%
-6.20%
15.21%
Ratios Clés
Rendement sur fonds propres moyens (ROE)
Rendement des actifs moyens (ROA)
Ratio d'efficacité
Ratio de Capital (Circulaire #88, BRH)
Prêts improductifs, en % du portefeuille brut
Actifs par employé FTE (UNIBANK non-consolidé)
Taux de Croissance
Moyen Annuel
(07-12)
2012
Situation en Fin d'Exercice (30 septembre)
Actifs MG
Actifs pondérés pour risques (Circulaire #88, BRH)
Prêts, net
Titres de placement et de participation
Dépôts totaux
Avoir des Actionnaires de la UNIBANK
Avoir des Actionnaires,
y compris Participation Minoritaire
(Consolidated figures, at fiscal year-end [30 September], in millions of US Dollars, unless otherwise indicated)
Données par action et sur l'actionnariat
Revenu net par action,
ajusté pour le dividende d’action en 2011
Dividende déclaré par action
ajusté pour le dividende d’action en 2011
Dividende ordinaire
Dividende spécial
Valeur comptable fin d'exercice,
ajusté pour le dividende d’action en 2011
Dividende déclaré en % de la valeur comptable
Dividende déclaré
Nombre d'actions ordinaires
Nombre d'actionnaires
G
2,280.38
2,390.50
1,431.81
1,039.03
1,030.84
894.11
20.59%
G
G
G
1,675.00
975.00
700.00
1,600.00
800.00
800.00
614.51
614.51
-
448.08
448.08
-
422.48
422.48
-
384.07
384.07
-
34.25%
20.48%
-
G
%
MG
8,333.54
20.10%
876.65
523,373
391
7,857.69
20.36%
800.00
500,000
357
6,163.78
9.97%
307.25
500,000
362
5,185.12
8.64%
224.02
499,953
367
4,533.86
9.32%
220.42
521,725
365
3,905.32
9.83%
201.14
523,716
370
16.37%
15.37%
34.23%
-0.1%
1.11%
1,034
1,011
1,738
879,506
43
949
940
1,642
879,564
42
899
890
1,517
844,159
38
1,111
1,083
1,825
796,633
46
1,120
1,080
1,828
722,716
45
994
966
1,723
656,979
41
0.79%
0.91%
0.17%
6.01%
0.96%
254
240
253
213
205
163
9.28%
436
733
41.6387
42.3222
380
662
40.3231
40.8742
380
671
40.1678
39.9405
276
535
40.7612
41.7737
317
567
38.4063
39.9535
299
503
37.2875
36.3813
7.84%
7.82%
2.23%
3.07%
Autres Renseignements
Nombre d'employés (UNIBANK)
Nombre d'employés FTE (UNIBANK)
Nombre d'employés (GFN)
Nombre de comptes de dépôts en Haïti
Nombre de Succursales et Points de Services (UNIBANK)
Nombre de Points de Services Financiers
en Haiti (Filiales UNIBANK)
Nombre de Bureaux et Agents à l'étranger
(Unitransfer International)
Nombre de Succursales et Points de Services (GFN)
Taux de change, moyenne annuelle (HTG/USD)
Taux de change, fin de période (HTG/USD)
Pour Mémoire : Montants historiques avant
ajustement pour dividende-action de 2011
Dividende déclaré
G
Nombre d'actions ordinaires, fin d'exercice,
Facteur d'ajustement pour le dividende-action de 2011(1)
1,675.00
523,373
-
1,600.00
500,000
-
1,200.00
256,046
1.952774
875.00
256,022
1.952774
825.00
267,171
1.952774
750.00
268,191
1.952774
17.43%
14.31%
-
2012
2011
2010
2009
2008
2007
5 - year
CAGR
Selected Income Statement Data
Total revenue
(net interest income and other revenue)
Operating expenses
Income before income taxes and minority interest
Net income attributable to the bank's shareholders
M$
M$
M$
M$
$72.31
$59.15
$29.87
$27.59
$94.57
$57.44
$37.13
$29.64
$76.13
$53.23
$22.90
$17.82
$73.69
$55.52
$18.19
$12.79
$72.89
$53.75
$19.14
$13.35
$62.47
$48.05
$14.42
$12.64
7.34%
4.25%
15.67%
16.89%
Assets M$
$1,223.32
Risk-weighted assets (Circular #88, BRH- Central Bank) M$
$574.89
Loans, net
M$
$431.01
Securities
M$
$228.63
Deposits
M$
$1,033.79
Shareholders' equity (UNIBANK)
M$
$103.06
Total shareholders' equity, including minority interest M$
$107.38
$1,146.41
$525.55
$343.54
$297.44
$989.01
$96.12
$100.93
$1,031.98
$362.42
$218.40
$380.92
$878.72
$77.16
$79.36
$797.68
$354.75
$236.02
$231.23
$643.44
$62.06
$65.28
$768.47
$327.67
$216.09
$221.65
$602.72
$59.20
$61.37
$669.87
$298.17
$189.55
$200.53
$533.51
$56.22
$58.07
12.80%
14.03%
17.86%
2.66%
14.15%
12.89%
13.08%
27.71%
2.33%
66.45%
18.47%
0.50%
$1.21
34.21%
2.72%
60.74%
18.96%
0.73%
$1.22
25.60%
1.95%
69.93%
22.14%
1.38%
$1.16
21.10%
1.63%
75.34%
18.96%
0.51%
$0.74
23.14%
1.86%
73.74%
22.01%
0.93%
$0.71
25.01%
2.02%
76.91%
23.81%
0.69%
$0.69
2.07%
2.90%
-2.88%
-4.95%
-6.20%
11.78%
$
$54.77
$59.28
$35.65
$25.49
$26.84
$23.98
17.96%
$
$
$
$39.58
$23.04
$16.54
$39.14
$19.57
$19.57
$15.39
$15.39
-
$10.73
$10.73
-
$10.57
$10.57
-
$10.56
$10.56
-
30.25%
16.89%
$
%
M$
$196.91
20.10%
20.71
523,373
391
$192.24
20.36%
19.57
500,000
357
$154.32
9.97%
7.69
500,000
362
$124.12
8.64%
5.36
499,953
367
$113.48
9.32%
5.52
521,725
365
$107.34
9.83%
5.53
523,716
370
12.90%
15.37%
30.23%
-0.01%
1.11%
Number of employees (UNIBANK)
1,034
Number of FTE-employees (UNIBANK)
1,011
Number of employees (Groupe Financier National-GFN)
1,738
Number of deposit accounts
879,506
Number of Branches and Agencies (UNIBANK)
43
Number of Offices and Agents in Haiti (UNIBANK AFFILIATES)
254
Number of Offices and Agents Abroad (UNITRANSFER)
436
Number of Branches and Financial Offices (GFN)
733
Average annual exchange rate (HTG/USD)
41.6387
Exchange rate, year-end (HTG/USD)
42.3222
949
940
1,642
879,564
42
240
380
662
40.3231
40.8742
899
890
1,517
844,159
38
253
380
671
40.1678
39.9405
1,111
1,083
1,825
796,633
46
213
276
535
40.7612
41.7737
1,120
1,080
1,828
722,716
45
205
317
567
38.4063
39.9535
994
966
1,723
656,979
41
163
299
503
37.2875
36.3813
0.79%
0.91%
0.17%
6.01%
0.96%
9.28%
7.84%
7.82%
2.23%
3.07%
$39.14
500,000
-
$30.04
256,046
1.952774
$20.95
256,022
1.952774
$20.65
267,171
1.952774
$20.61
268,191
1.952774
13.93%
14.31%
-
Selected Balance Sheet Data (30 september)
Key Ratios
Return on average equity (ROE)
Return on average assets (ROA)
Efficiency Ratio
Capital ratio (Circular #88, BRH- Central Bank)
Nonperforming loans, as % of total loans
Assets per FTE employee (UNIBANK, nonconsolidated) M$
Shareholder and Per Share Data
Earnings per share,
adjusted for stock dividend in 2011
Dividend per share,
adjusted for stock dividend in 2011
Ordinary dividend
Special dividend
Book value per share,
adjusted for stock dividend in 2011
Declared dividend in % of book value per share
Total declared dividend
Number of outstanding shares
Number of shareholders, year-end
Other Information
Historical Data, before adjustment
for stock-dividend in 2011
Declared dividend per share
$
Number of outstanding shares,
Adjustment factor for prior years, (stock-dividend in 2011) (1)
39.58
523,373
-