On a l'impression que les banques haïtiennes évoluent dans une situation différente des autres entreprises. Elles parviennent à maintenir leur croissance, multiplier les succursales quand des entreprises comme les chaînes hôtelières éprouvent de grandes difficultés de fonctionnement.
Hello there! I am not a specialist in the field, but live in Brazil, which has seen a similar situation in the recent past. The Brazilian banks managed to make extraordinary results (profits) with a negative GDP, and stagnant or very low GDP. One should remember two key aspects: even when there is a negative GDP, in a structured ecpnomy, there is activity, and hence, the need for a banking/financial system. The other aspect, is that a savvy management can offer financial services and advise business in dealing with the economic hardships, and earn out of that.
Best regards and hope that the information is of any help!
Payen, la raison est que le business model des banques et celui des hotels sont totalement differents. Les revenus des banques proviennent des interets sur credits octroyes pour certaines banques alors que les revenus des hotels proviennent des tourisques ou visiteurs qui passent dans ces hotels.Les pays ou les gens font recours massif au service bancaire connaissent des banques avec de bons resultats financiers.
La fluctuation du taux de change (achat et vente de devises) est, entre autres, un indicateur à retenir dans l'analyse de la performance des banques haïtiennes.
Payen, I think you touch on here one aspect of the excess liquidity issue related to development. In many countries of the South, where there is a need for funds for their development and re-distributive policies, there is an under-utilization of funds or worse, a huge capital flight to the world economy. Estimated at $ 340,000 million, tax evasion in Latin America is a main problem that accounts for 6.7% of GDP, respectively from the value added tax (2.4%) and the tax on income (4.3%) (CEPAL, 2016: 1)[1]. For Haiti, current information on the issue does not appear to be available or disclosed in official sources. Note that in 1983 when the first fiscal measures were implemented under International Monetary Fund recommendations, it is said that Haitian investments abroad rose from 140 million to 220 million US dollars, and that occurs while public spending falls from 881 to 331 million gourdes and did not allow to honor the Haitian counterpart in this adjustment program (Cadet, 1996: 48)[2].
There are all the good reasons to believe that this tendency continued with the progressive de-localization of the Haitian companies and the firms of subcontracting. Whatever the factors that fuel the capital flight in a country, the avenues for recovery relate to firm and coherent economic policies revolving around fiscal inequalities in the structure of income, as regards the distribution of social services and the concentration of material and financial assets.
[1] Comisión Económica para América Latina y el Caribe (CEPAL), Evasión fiscal en América Latina llega a 340.000 millones de dólares y representa 6,7% del PIB regional: Los principales incumplimientos tributarios se dan en el impuesto sobre la renta. 1 DE SEPTIEMBRE DE 2016|NOTICIA. www.cepal.org
[2] Cadet C. (1996). Crise, paupérisation et marginalisation dans l’Haïti contemporaine. Unicef. Port-au-Prince.
The Haitian banking system is a system evolving at two speeds: on the supply side the banks benefit from the advantages and dictate their rules by prudential standards to make the market work, and whatever the situation they come out winners; and on the other hand, the beneficiaries (enterprises) are subject to the high financing conditions. This gives, on the one hand, a solid financial system on the supply side (Banks) over several years, and on the other hand enterprises that are poorly funded and generate little wealth, not to say, in general, survival businesses in place of growth that is not there. In a word, in game theory, we are talking about dominant strategies, that is to say whatever the situation, MFIs or banks will come out winners at the expense of the financed enterprises or the beneficiaries. Finally, if the companies are not solid, they cannot generate wealth to strengthen the country's production (GDP).
L'un des raisons que l'on peut aussi evoquer est que ces banques pratiques systematiquement une strategie de la prudence. Elle ne prennent aucun risque en matiere d'investissement. D'ou la raison pour laquelle elles sont plus dans la consommation que le developpement durable.
Très vrai Dr Francklin Benjamin ! Si vrai que le marché bancaire ici n’est meme pas compétitif. Toute la compétition se limite à qui détient la plus grande portefeuille, le plus grand nombre de clients (# de comptes ouverts), etc..
Non seulment le taux de change et la stratégie de la prudence . Mais aussi elle gènère des intérêts sur les prets octoyés aux clients et au moyen de sa politique de calcul des cartes de crédit.
In general, the bank takes advantage of all their products that are offered to you, for example: some require you to have a card instead of a passbook (no more passbook available) so if you want to control your account online it There is a charge that is even claimed to issue a statement of account. In other words, whatever the service rendered by the bank, it is a winner. In serious countries, there are standards but unfortunately for us each of them fixes the interests as they see fit. Their assets only have to increase.