Detalleproductocrédito0913 detalleimf

Informe por Producto: Red Acción y Partners

TOTAL AL FINAL DE SEPTIEMBRE, 2013: 6.682.439 4,38%7.814.183CLIENTES ACTIVOS CARTERA ACTIVA CARTERA VENCIDA

PRODUCTO Prestatarios Activos % Cartera Activa (000's) % Cartera Vencida * Monto Promedio ** Saldo Promedio **Crédito Solidario 704,644 10.5% 314,648,042 4.0% 4.2% 507 447

Crédito Individual (Capital de Trabajo) 1,181,918 17.7% 2,862,118,104 36.6% 4.4% 4,304 2,422

Consumo 517,826 7.7% 1,367,041,812 17.5% 6.8% 3,963 2,640

Comercial PYME 28,417 0.4% 158,183,817 2.0% 10.8% 17,334 12,534

Vivienda 53,801 0.8% 266,275,680 3.4% 4.9% 4,673 4,949

Activos Fijos 42,474 0.6% 322,870,431 4.1% 7.4% 5,723 7,602

Banca Comunal 1,691,054 25.3% 785,505,784 10.1% 2.9% 1,586 465

Otros Productos 500,752 7.5% 384,626,925 4.9% 6.3% 768 768

Sin detalle 1,961,553 29.4% 1,352,912,037 17.3% 1.2% 2,058 690

TOTAL 6,682,439 100.0% 7,814,182,633 100% 4.38% 783 1,169

* La Cartera vencida incluye: Saldo de cartera normal en mora > 30 días + saldo cartera repactada en mora>30 días + saldo total cartera en cobranza judicial.* *Valores en USD (Monto Real)

HIG

HLI

GH

TS

Durante el tercer trimestre el crecimiento en clientes más significativo se evidenció en las ins-tituciones reguladas seguido de las instituciones en Africa y Asia con respecto a Junio 2013.

Otro punto para resaltar es la disminución en términos de clientes activos del producto Banca Comunal, PYME y Consumo entre Junio y Sep-tiembre 2013. Esta reducción contrasta con el au-mento de clientes en Solidario e Individual.

Banca Comunal mantiene una participación por-centual importante seguido del producto Indi-vidual en término de clientes activos.

RANKING*GROUP LOANS/SOLIDARIOS

1. Banco Compartamos- México

2. Swadhaar- India

3. Bangente- Venezuela

4. Saija- India

5. CrediConfía- MéxicoRANKING*

SME LOANS/PYME

1. Mibanco- Peru

2. Bandelta- Panama

3. Finamerica- Colombia

4. Genesis Empresarial- Guatemala

5. Banco Popular- Honduras

RANKING*INDIVIDUAL LOANS/INDIVIDUAL

1. Banco Pichincha-Ecuador

2. Banco Compartamos- Mexico

3. BancoSol- Bolivia

4. Mibanco- Peru

5. Banco Solidario- EcuadorRANKING*

HOUSING LOANS/VIVIENDA

1. BancoSol- Bolivia

2. Génesis Empresarial- Guatemala

3. Mibanco- Peru

4. Banco Popular- Honduras

5. FMSD- Colombia

RANKING*CONSUMER LOANS/CONSUMO

1. Banco Solidario- Ecuador

2. Mibanco - Peru

3. Banco Pichincha- Ecuador

4. El Comercio - Paraguay

5. BancoSol- BoliviaRANKING*

VILLAGE BANKING/BANCA COMUNAL

1. Banco Compartamos- México

2. Banco Pichincha - Ecuador

3. Génesis Empresarial- Guatemala

4. CrediConfía- Mexico

*Ranking is based on Active Clients by product reported by each Institution

La participación de Cartera del pro-ducto Individual mantiene el liderazgo. Es importante destacar el incremento de la cartera del producto Consumo en Sep 2013 así como la disminución del saldo de cartera en Banca Comunal que continúa su tendencia decreciente.

La Cartera Vencida >30 para los pro-ductos Individual y Consumo pasó del 4.9% al 4.4% y del 8% al 6.8% respecti-vamente. PYME y Vivienda tienen los % más altos dentro de las instituciones re-guladas mientras que Banca Comunal y Solidarios tienen el indicador mas bajo a Septiembre 2013.

Report By Product SEPTIEMBRE 2013/ SEPTEMBER 2013 Reporte Por Producto

ACTIVE

CLIENTS/CLIENTES

ACTIVOS

%LOAN PORTFOLIO US$/

CARTERA ACTIVA%

AVERAGE FIRST LOANS

(US$)/MONTO PRIMARIO

DESEMBOLSADO

AVERAGE LOAN DISBURSED

(US$)/MONTO PROMEDIO

DESEMBOLSADO

AVERAGE LOAN

BALANCE

(US$)/SALDO

PROMEDIO

PAR>30

DAYS/CARTERA

AFECTADA>30 DIAS

546,745 9.0% 283,435,292 3.8% 1,452 1,633 518 3.5%

1,062,655 17.4% 2,749,401,115 36.9% 3,320 3,543 2,587 4.4%

509,194 8.3% 1,360,587,441 18.3% 4,250 4,035 2,672 5.2%

26,667 0.4% 143,068,575 1.9% 24,124 22,407 5,365 0.7%

36,587 0.6% 244,094,903 3.3% 2,284 6,574 5,748 6.1%

41,980 0.7% 319,947,407 4.3% 6,460 7,583 5,018 6.1%

1,657,059 27.1% 770,547,491 10.3% n/a n/a 465 2.9%

439,474 7.2% 354,731,120 4.8% 10,057 15,064 807 6.2%

1,784,157 29.2% 1,221,641,101 16.4% 1,791 2,078 685 0.9%

TOTAL REGULATED/REGULADAS 6,104,518 100.0% 7,447,454,445 100.0% 949 772 1,220 4.40%

ACTIVE CLIENTS/CLIENTES

ACTIVOS%

LOAN PORTFOLIO US$/ CARTERA

ACTIVA%

AVERAGE FIRST LOANS


DESEMBOLSADO



DESEMBOLSADO

AVERAGE LOAN

BALANCE

(US$)/SALDO

PROMEDIO

PAR>30 DAYS/CARTERA

VENCIDA>30 DIAS

INDIVIDUAL 14,395 9.6% 14,636,931 11.5% 199 1,121 1,017 6.5%CONSUMER LOANS/CONSUMO 5,693 3.8% 1,697,204 1.3% 183 405 298 1.7%HOUSING 85 0.1% 111,812 0.09% 724 2,173 1,315 8.64%

OTHER PRODUCTS/OTROS 9,674 6.5% 4,119,170 3.2% 296 594 426 4.8%NOT DETAILED/SIN DETALLE 120,118 80.1% 106,839,910 83.9% 877 1,457 889 4.3%

TOTAL SERVICE COMPANIES 149,965 100.0% 127,405,028 100.0% 718 1,069 850 4.53%

NOT DETAILED/SIN DETALLE

TOTAL REGULATED INSTITUTIONS/INSTITUCIONES REGULADAS

PRODUCT/PRODUCTO

GROUP LOANS/SOLIDARIOS

INDIVIDUAL

CONSUMER LOANS/CONSUMO

PYME

HOUSING/VIVIENDA

FIXED ASSETS/ACTIVOS FIJOS


OTHER PRODUCTS/OTROS

TOTAL SERVICE COMPANIES/COMPAÑIAS DE SERVICIO

PRODUCT/PRODUCTO

4%

37%

18% 2%

3% 4%

10%

5%

17%

LOAN PORTFOLIO US$/ CARTERA ACTIVA

GROUP LOANS/SOLIDARIOS INDIVIDUAL

CONSUMER LOANS/CONSUMO PYME

HOUSING/VIVIENDA FIXED ASSETS/ACTIVOS FIJOS

VILLAGE BANKING/BANCA COMUNAL OTHER PRODUCTS/OTROS


3.5% 4.4%

5.2%

0.7%

6.1% 6.1%

2.9%

6.2%

0.9%

0.0%

5.0%

PAR>30 DAYS/CARTERA AFECTADA>30 DIAS

GROUP LOANS/SOLIDARIOSINDIVIDUALCONSUMER LOANS/CONSUMOPYMEHOUSING/VIVIENDAFIXED ASSETS/ACTIVOS FIJOSVILLAGE BANKING/BANCA COMUNALOTHER PRODUCTS/OTROSNOT DETAILED/SIN DETALLE

9%

17%

8%

1% 1%

1% 27%

7%

29%

ACTIVE CLIENTS/CLIENTES ACTIVOS

GROUP LOANS/SOLIDARIOS INDIVIDUAL



VILLAGE BANKING/BANCA COMUNAL OTHER PRODUCTS/OTROS


12% 1%

0% 3%

84%


INDIVIDUAL CONSUMER LOANS/CONSUMO

HOUSING OTHER PRODUCTS/OTROS


6.5%

1.7%

8.64%

4.8% 4.3%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

PAR>30 DAYS/CARTERA VENCIDA>30 DIAS

INDIVIDUAL


HOUSING



10%

4%

0%

6%

80%


INDIVIDUAL CONSUMER LOANS/CONSUMO

HOUSING OTHER PRODUCTS/OTROS




ACTIVOS%


ACTIVA%

AVERAGE FIRST LOANS


DESEMBOLSADO



DESEMBOLSADO

AVERAGE LOAN

BALANCE

(US$)/SALDO

PROMEDIO

PAR>30 DAYS/CARTERA

VENCIDA>30 DIAS

INDIVIDUAL LOANS 55,868 25.8% 29,588,979 25.3% 624 1,229 530 3.1%PYME 1,249 0.6% 3,474,334 3.0% 3,590 4,053 2,782 1.6%HOUSING/VIVIENDA 16,863 7.8% 21,600,835 18.5% 3,215 2,331 1,281 7.0%VILLAGE BANKING/BANCA COMUNAL 33,995 15.7% 14,958,294 12.8% 262 2,528 440 0.7%OTHER PRODUCTS/OTROS 51,092 23.6% 22,891,843 19.6% 439 1,678 448 6.3%NOT DETAILED/SIN DETALLE 57,277 26.5% 24,431,026 20.9% n/a 2,300 427 3.2%

TOTAL NGO´S/ONG´S 216,344 100.0% 116,945,310 100.0% 302 1,245 541 2.59%


ACTIVOS%


ACTIVA%

AVERAGE FIRST LOANS


DESEMBOLSADO



DESEMBOLSADO

AVERAGE LOAN

BALANCE

(US$)/SALDO

PROMEDIO

PAR>30 DAYS/CARTERA

VENCIDA>30 DIAS

157,899 74.6% 31,212,751 25.5% 249 268 198 1.3%49,000 23.2% 68,491,079 56.0% 7,223 6,774 1,398 4.8%2,939 1.4% 4,757,166 3.9% 5,371 4,196 1,619 19.0%

501 0.2% 11,640,908 9.5% n/a 78,329 23,235 5.6%

266 0.1% 468,131 0.4% n/a 454 1,760 2.3%494 0.2% 2,923,024 2.4% 7,257 6,374 5,917 15.5%512 0.2% 2,884,792 2.4% n/a 4,153 5,634 4.6%

TOTAL AFRICA-ASIA 211,611 100.0% 122,377,850 100.0% 770 853 578 4.71%


TOTAL NGO´S/ONG´S

PRODUCT/PRODUCTO

TOTAL AFRICA-ASIA

PRODUCT/PRODUCTO

GROUP LOANS/SOLIDARIOSINDIVIDUAL LOANS

PYME

HOUSING/VIVIENDAFIXED ASSETS/ACTIVOS FIJOSOTHER PRODUCTS/OTROS

25%

3%

18%

13%

20%

21%


INDIVIDUAL LOANS PYME

HOUSING/VIVIENDA VILLAGE BANKING/BANCA COMUNAL

OTHER PRODUCTS/OTROS NOT DETAILED/SIN DETALLE

3.1%

1.6%

7.0%

0.7%

6.3%

3.2%

0.0%

2.0%

4.0%

6.0%

8.0%


INDIVIDUAL LOANS

PYME

HOUSING/VIVIENDA




26%

0% 8%

16% 24%

26%


INDIVIDUAL LOANS PYME

HOUSING/VIVIENDA VILLAGE BANKING/BANCA COMUNAL

OTHER PRODUCTS/OTROS NOT DETAILED/SIN DETALLE

26%

56%

4% 10%

0%

2%

2% LOAN PORTFOLIO US$/ CARTERA ACTIVA

GROUP LOANS/SOLIDARIOS INDIVIDUAL LOANS



OTHER PRODUCTS/OTROS3.1%

1.6%

7.0%

0.7%

6.3%

3.2%

0.0%

2.0%

4.0%

6.0%

8.0%


INDIVIDUAL LOANS

PYME

HOUSING/VIVIENDA




75%

23%

2%

0% 0% 0%

0%


GROUP LOANS/SOLIDARIOS INDIVIDUAL LOANS





PRODUCT/PRODUCTO TERM (MONTHS)ACTIVE CLIENTS/CLIENTES

ACTIVOS%


ACTIVA%

AVERAGE FIRST LOANS


DESEMBOLSADO



DESEMBOLSADO

AVERAGE LOAN

BALANCE

(US$)/SALDO

PROMEDIO

PAR>30 DAYS/CARTERA

VENCIDA>30 DIAS

GROUP LOANS/SOLIDARIOS 11 704,644 10.5% 314,648,042 4.0% 545 507 447 4.2%

INDIVIDUAL LOANS 18 1,181,918 17.7% 2,862,118,104 36.6% 4,104 4,304 2,422 4.4%

CONSUMER LOANS/CONSUMO 24 517,826 7.7% 1,367,041,812 17.5% 4,171 3,963 2,640 6.8%

PYME 46 28,417 0.4% 158,183,817 2.0% 16,384 17,334 12,534 10.8%

HOUSING/VIVIENDA 77 53,801 0.8% 266,275,680 3.4% 5,702 4,673 4,949 4.9%

FIXED ASSETS/ACTIVOS FIJOS 16 42,474 0.6% 322,870,431 4.1% 7,660 5,723 7,602 7.4%

VILLAGE BANKING/BANCA COMUNAL 6 1,691,054 25.3% 785,505,784 10.1% 262 1,586 465 2.9%

OTHER PRODUCTS/OTROS 18 500,752 7.5% 384,626,925 4.9% 4,550 768 768 6.3%

NOT DETAILED/SIN DETALLE n/a 1,961,553 29.4% 1,352,912,037 17.3% 1,495 2,058 690 1.2%

TOTAL INSTITUTIONS/INSTITUCIONES 6,682,439 100.0% 7,814,182,633 100.0% 923 783 1,169 4.38%

TOTAL INSTITUTIONS/INSTITUCIONES

31

5

2,8

62

1,3

67

15

8

26

6

32

3

78

6

38

5

1,3

53

4.2

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4.4

%

6.8

%

10

.8%

4.9

%

7.4

%

2.9

% 6.3

%

1.2

%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

0

500

1,000

1,500

2,000

2,500

3,000

GR

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LOAN PORTFOLIO VS PAR>30/CARTERA ACTIVA VS PAR>30

LOAN PORTFOLIO US$/ CARTERA ACTIVA PAR>30 DAYS/CARTERA VENCIDA>30 DIAS

507 4,304 3,963 17,334 4,673 5,723 1,586 768 11

18 24

46

77

16

6

18

0102030405060708090

02,0004,0006,0008,000

10,00012,00014,00016,00018,00020,000

GR

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L LO

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/OTR

OSAMOUNT DISBURSED VS TERM/MONTO DESEMBOLSADO VS PLAZO

AVERAGE LOAN DISBURSED (US$)/MONTO PROMEDIO DESEMBOLSADO TERM (MONTHS)

4%

37%

18% 2%

3%

4%

10%

5%

17%

LOAN PORTFOLIO US$/ CARTERA ACTIVA GROUP LOANS/SOLIDARIOS

INDIVIDUAL LOANS


PYME

HOUSING/VIVIENDA


VILLAGE BANKING/BANCACOMUNALOTHER PRODUCTS/OTROS


11%

18%

8%

0%

1%

1%

25%

7%

29%

ACTIVE CLIENTS/CLIENTES ACTIVOS GROUP LOANS/SOLIDARIOS

INDIVIDUAL LOANS


PYME

HOUSING/VIVIENDA


VILLAGE BANKING/BANCACOMUNALOTHER PRODUCTS/OTROS


RANKING*

GROUP LOANS /SOLIDARIOS

•1. Banco Compartamos (Mexico)

•2. Swadhaar (India)

•3. Bangente (Venezuela)

•4. Saija (India)

•5. CrediConfía (Mexico)

RANKING

INDIVIDUAL LOANS/INDIVIDUAL

•1. Banco Pichincha (Ecuador)

•2. Banco Compartamos (Mexico)

•3. BancoSol (Bolivia)

•4. Mibanco (Peru)

•5. Banco Solidario (Ecuador)

RANKING


•1. Banco Solidario (Ecuador)


•3. Banco Pichincha(Ecuador)

•4. El Comercio (Paraguay)


RANKING

SME LOANS/PYME


•2. Bandelta (Panama)

•3. Finamerica (Colombia)

•4. Génesis Emp. (Guatemala)

•5. Banco Popular(Honduras

RANKING

HOUSING LOANS/VIVIENDA




•4. Banco Popular (Honduras)

•5. FMSD (Colombia)

RANKING

VILLAGE BANKING/BANCA C.

•1. Banco Compartamos (México)

•2. Banco Pichincha (Ecuador)


•4. CrediConfía (México)

*Ranking is based on Active Clients by product reported by each Institution

Report By Product SEPTIEMBRE 2013/SEPTEMBER 2013 Reporte Por Producto

INSTITUTION PRODUCTTERM

(MONTHS)ACTIVE CLIENTS LOAN PORTFOLIO US$

AVERAGE

FIRST LOAN

(US$)

AVERAGE LOAN

DISBURSED (US$)

AVERAGE LOAN

BALANCE (US$)PAR>30 DAYS

EXCHANGE

RATE

BANCO COMPARTAMOS CRÉDITO COMERCIANTE 488,561 198,714,202 n/a n/a 407 5.18% 13.17

BANCO POPULAR Solidario CT 5 2 303 n/a n/a 152 40.16% 20.55

BANGENTE Mancomunados 9 38,543 79,359,473 2,977 3,250 2,059 0.77% 6.30

CREDICONFIA SOLIDARIO 5 14,664 4,498,539 391 576 307 11.64% 13.17

FINANCIERA FAMA GRUPAL Microcrédito 25 4,918 837,429 159 279 170 5.26% 25.02

SCM AMAZONAS ACCION SOLIDARIO 8 57 25,346 756 811 445 8.09% 2.23

REGULATED INSTITUTIONS 546,745 283,435,292 1,452 1,633 518 3.5%

AKIBA Solidarity Loans 9 10,885 3,208,839 n/a 454 295 4.17% 1,615.05

EB-ACCION GHANA Group - Loans 6 593 126,979 n/a n/a 214 1.18% 2.09

SWADHAAR FINSERVE Swahit Loan (GL) 24 109,002 22,010,791 261 286 202 1.02% 62.78

GL - Top up Loan 12 1,045 291,152 n/a 76 279 1.40% 62.78

SAIJA SKR-Monthly 12 31 8,773 n/a 329 283 0.00% 62.78

SKR-(New) 11 1,292 210,728 248 292 163 0.00% 62.78

SMR-(New) 11 4,635 265,498 169 185 57 0.00% 62.78

SKR-(Fortnightly) 13 3,071 594,902 262 268 194 0.00% 62.78

SMR-(Fornightly) 13 22,391 3,593,131 223 231 160 0.02% 62.78

SMR-(Monthly) 12 547 135,068 n/a 290 247 0.00% 62.78

EAMF CAMEROON CREDITS SOLIDAIRE MULTIPLES 7 4,407 766,890 193 272 174 3.99% 485.71

AFRICA AND ASIA 11 157,899 31,212,751 249 268 198 1.26%

704,644 314,648,042 545 507 447 4.15%TOTAL GROUP LOANS

GROUP LOANS/GRUPOS SOLIDARIOS

REGULATED INSTITUTIONS-INSTITUCIONES REGULADAS

AFRICA AND ASIA




AVERAGE

FIRST LOAN

(US$)

AVERAGE LOAN

DISBURSED (US$)

AVERAGE LOAN


EXCHANGE

RATE

BANCO COMPARTAMOS CRÉDITO CRECE TU NEGOCIO 12 137,606 154,310,914 n/a n/a 1,121 8.60% 13.17

CRÉDITO ADICIONAL 2 67,180 9,184,270 n/a n/a 137 3.42% 13.17

BANDELTA Capital de Trabajo 21 7,264 8,362,993 n/a n/a 1,151 3.57% 1.00

Autómovil Micro 64 6,783 71,091,240 14,219 14,128 10,481 1.44% 1.00

BANCO SOLIDARIO Microempresa 26 100,736 275,546,414 2,693 2,914 2,735 3.80% 1.00

BANCOSOL Sol Individual 34 116,261 474,928,048 3,823 4,354 4,085 0.96% 6.86

Sol Crecer 17 8,582 6,879,648 1,056 1,079 802 2.25% 6.86

Sol DPF 27 417 1,085,148 2,235 2,617 2,602 0.31% 6.86

Sol Productivo 32 44,941 177,416,886 3,347 3,949 3,948 0.24% 6.86

Sol Agropecuario 36 4,395 23,109,980 4,977 5,395 5,258 0.03% 6.86

BANCO POPULAR Individual CT 21 14,894 21,325,051 n/a n/a 1,432 6.34% 20.55

Individual AF 29 2,300 5,061,780 n/a n/a 2,201 6.43% 20.55

Individual Cruzado 46 7 5,431 n/a n/a 776 16.00% 20.55

Crédito Agropecuario 49 16 19,975 n/a n/a 1,248 6.00% 20.55

BANGENTE Individuales 9 15,111 99,046,524 8,919 7,949 6,555 0.28% 6.30

CREDICONFIA INDIVIDUAL 6 2,208 3,354,733 1,605 2,031 1,519 5.69% 13.17

FINANCIERA FAMA INDIVIDUAL microcrédito 22 34,572 22,745,241 778 874 658 1.85% 25.02

FINAMERICA Microempresa 25 82,403 232,580,684 2,663 2,231 2,822 9.45% 1,914.65

FINANCIERA EL COMERCIO Microempresas Urbanas* 12 19,682 25,056,505 821 1,343 1,273 8.80% 4,441.00

Microempresa Rural 12 39,350 55,845,132 866 1,193 1,419 4.93% 4,441.00

MIBANCO Capital de Trabajo 16 149,220 523,065,210 3,764 4,152 3,505 7.81% 2.78

SCM AMAZONAS ACCION GIRO 12 2,399 2,084,314 1,043 1,167 869 2.33% 2.23

ACCION ATIVO 24 421 373,157 1,079 1,213 886 2.38% 2.23

BANCO PICHINCHA CREDIFE 21 205,907 556,921,839 2,546 3,634 2,705 3.40% 1.00

REGULATED INSTITUTIONS 24 1,062,655 2,749,401,115 3,320 3,543 2,587 4.36%

SOGESOL FONDS DE ROULEMENT 8 14,395 14,636,931 199 1,121 1,017 6.54% 43.74

SERVICE COMPANIES 14,395 14,636,931 199 1,121 1,017 6.54%

FMSD Microempresas 24 4,821 4,274,254 808 1,318 201 6.03% 1,914.65

GENESIS EMPRESARIAL MICROEMPRESA 14 51,047 25,314,725 440 1,140 496 2.58% 7.93

NGO'S 55,868 29,588,979 624 1,229 530 3.08%

AKIBA Biashara Loans (individual) 9 14,027 29,702,557 n/a 3,007 2,118 4.28% 1,615.05

AMFB MICRO BUSINESS (MCB) 6 19,663 17,115,412 1,144 1,482 870 3.86% 155.25

EB-ACCION GHANA Nkosuo - working capital 7 5,686 2,293,584 616 696 403 9.24% 2.09

Adwuma pa - Working Capital 9 2,551 3,578,479 2,811 2,870 1,403 11.09% 2.09

Micro - working capital 9 215 1,351,864 11,768 11,312 6,288 5.66% 2.09

SME - Working Capital 12 92 1,179,211 22,010 22,944 12,818 6.62% 2.09

SWADHAAR FINSERVE Swayog Loan (IL) 8 49 3,043 n/a 733 62 49.52% 62.78

BL - Top up Loan 8 2,571 783,118 392 456 305 2.17% 62.78

ACCION MICROFINANCE CHINA Working Capital Loan-Urban n/a 588 5,368,545 12,218 13,948 9,130 6.03% 6.15

Working Capital Loan-Rural n/a 633 4,451,622 9,762 10,348 7,033 2.62% 6.15

Agric Loan n/a 171 1,031,964 8,797 9,238 6,035 0.28% 6.15

EAMF CAMEROON CRD PETITES ENTREPRISE EQUIP 9 8 49,538 9,265 10,147 6,192 0.00% 485.71

FONDS DE ROULEMENT 7 2,746 1,582,142 666 876 576 7.23% 485.71

AFRICA AND ASIA 18 49,000 68,491,079 7,223 6,774 1,398 4.78%

1,181,918 2,862,118,104 4,104 4,304 2,422 4.37%

INDIVIDUAL LOANS-CREDITOS INDIVIDUALES

REGULATED INSTITUTIONS

SERVICE COMPANIES/COMPAÑÍAS DE SERVICIO

NGO´S-ONG'S

AFRICA-ASIA

TOTAL INDIVIDUAL




AVERAGE

FIRST LOAN

(US$)

AVERAGE LOAN

DISBURSED (US$)

AVERAGE LOAN


EXCHANGE

RATE

BANCO SOLIDARIO Olla de Oro 23 54,006 75,065,711 1,453 1,194 1,390 5.57% 1.00

Otros productos Consumo 16 79,534 41,110,258 1,361 1,213 517 16.83% 1.00

TCF 10 148,475 174,015,978 n/a 64 1,172 4.26% 1.00

VISA 8 6,257 9,024,486 n/a 81 1,442 16.44% 1.00

BANCOSOL Sol de Oro n/a n/a n/a n/a n/a n/a n/a n/a

Sol Efectivo 29 29,081 104,910,999 2,976 3,654 3,608 0.15% 6.86

Sol Vehículo 48 151 2,045,837 14,560 14,383 13,549 0.00% 6.86

BANDELTA Consumo 22 260 253,238 910 1,110 974 0.87% 1.00

BANCO POPULAR Consumo 45 138 294,466 3,691 1,767 2,134 7.19% 20.55

FINANCIERA FAMA INDIVIDUAL consumo 18 4,223 3,161,772 906 1,037 749 1.31% 25.02

MIBANCO Bien Mueble 28 36,939 241,016,390 6,775 7,853 6,525 6.24% 2.78

Línea de Crédito _ 31,805 273,050,047 14,611 13,187 8,585 6.92% 2.78

Tarjeta de Crédito _ 4,360 2,221,635 1,049 1,138 510 10.89% 2.78

FINAMERICA Consumo 19 10,055 27,181,536 1,694 572 2,703 9.36% 1,914.65

FINANCIERA EL COMERCIO Préstamos Personales 16 18,098 19,679,256 1,017 1,315 1,087 7.87% 4,441.00

Tarjeta de Créditos 12 13,635 3,369,302 n/a n/a 247 0.57% 4,441.00

Préstamos Personales Rural 16 10,626 9,804,863 n/a n/a 923 3.28% 4,441.00

Tarjeta de Créditos Rural 12 6,835 1,324,372 n/a n/a 194 13.16% 4,441.00

BANCO PICHINCHA OTROS PRODUCTOS n/a 54,716 373,057,296 n/a n/a 6,818 8.98% 1.00

REGULATED INSTITUTIONS 509,194 1,360,587,441 4,250 4,035 2,672 5.24%

SOGESOL PRETS AUX SALARIES 12 5,693 1,697,204 183 405 298 1.71% 43.74

SERVICE COMPANIES 5,693 1,697,204 183 405 298 1.71%

AKIBA Consumer Loans 36 2,555 3,568,606 n/a 2,357 1,397 25.35% 1,615.05

EB-ACCION GHANA Staff Loan 37 193 742,667 5,371 5,371 3,848 0.00% 2.09

EAMF CAMEROON CREDIT AVERE 7 24 88,153 n/a 4,859 3,673 0.00% 485.71

ACCION MICROFINANCE CHINA Salary Loans n/a 167 357,740 3,201 3,203 2,142 0.00% 6.15

AFRICA AND ASIA 24 2,939 4,757,166 5,371 4,196 1,619 19.0%

517,826 1,367,041,812 4,171 3,963 2,640 6.8%TOTAL CONSUMER LOANS

CONSUMER LOANS-CREDITOS DE CONSUMO


SERVICE COMPANIES-COMPAÑIAS DE SERVICIOS

AFRICA-ASIA




AVERAGE

FIRST LOAN

AVERAGE LOAN

DISBURSED

AVERAGE LOAN

BALANCE PAR>30 DAYS

EXCHANGE

RATE

BANCOSOL Sol Vivienda 47 18,274 91,095,715 5,589 6,078 4,985 0.77% 6.86

BANCO POPULAR Vivienda 210 901 10,886,237 14,601 5,643 12,082 10.11% 20.55

Vivienda Fideicomisos 44 15 2,334 n/a n/a 156 100.00% 20.55

Micro Vivienda 39 944 2,619,336 3,986 4,000 2,775 7.18% 20.55

BANCO SOLIDARIO Vivienda Popular 115 476 4,039,624 n/a 10,230 8,487 1.00

BANDELTA Microvivienda n/a 65 72,180 n/a n/a 1,110 0.00% 1.00

MIBANCO Personal para Empleados 32 871 3,240,187 3,252 4,297 3,720 0.49% 2.78

Mivivienda 171 200 2,480,711 n/a n/a 12,404 6.14% 2.78

Vivienda 33 14,841 129,658,580 11,033.40 9,196 8,737 3.26% 2.78

REGULATED INSTITUTIONS 36,587 244,094,903 7,692 6,574 6,672 2.61%

SOGESOL KREDI KAY 12 85 111,812 724 2,173 1,315 8.64% 43.74

SERVICE COMPANIES 85 111,812 724 2,173 1,315 8.64%

FMSD VIVIENDA 120 591 3,065,361 4,984 3,095 5,187 17.33% 1,914.65

GENESIS EMPRESARIAL VIVIENDA 31 16,272 18,535,474 1,445 1,567 1,139 2.64% 7.93

NGO´S 16,863 21,600,835 3,215 2,331 1,281 7.00%

AKIBA Home Improvement Loans 6 266 468,131 n/a 454 1,760 2.30% 1,615.05

AFRICA AND ASIA 77 266 468,131 n/a 454 1,760 2.30%

53,801 266,275,680 5,702 4,673 4,949 4.94%



AVERAGE

FIRST LOAN

AVERAGE LOAN

DISBURSED

AVERAGE LOAN

BALANCE PAR>30 DAYS

EXCHANGE

RATE

BANDELTA Activo Fijo 27 1,771 2,868,083 n/a 1,817 1,619 1.30% 1.00

MIBANCO Bien Inmueble 30 40,209 317,079,324 9,276 9,383 7,886 3.70% 2.78


AMFB Fixed Assets 9 19 43,370 n/a n/a 2,283 30.29% 155.25

EB-ACCION GHANA Nkosuo - Fixed Assets 7 37 20,886 902 937 564 6.82% 2.09

Adwuma pa - Fixed Assets 10 59 126,037 3,440 3,388 2,136 0.00% 2.09

Micro - Fixed Assets 18 18 105,950 12,645 11,620 5,886 1.92% 2.09

SME - Fixed Assets 21 316 2,597,769 12,039 11,960 8,221 8.31% 2.09

EAMF CAMEROON MICROCREDIT EQUIPEMENT 7 45 29,012 939 956 645 3.45% 485.71

PETIT CREDIT EQUIPEMENT n/a n/a n/a n/a n/a n/a n/a n/a

AFRICA AND ASIA 16 494 2,923,024 7,257 6,374 5,917 15.52%

42,474 322,870,431 7,660 5,723 7,602 7.43%

HOUSING LOANS-CREDITOS DE VIVIENDA


SERVICE COMPANIES

NGO´S-ONG´S

AFRICA AND ASIA

TOTAL HOUSING

FIXED ASSETS-ACTIVOS FIJOS

AFRICA-ASIA

TOTAL FIXED ASSETS




AVERAGE

FIRST LOAN

AVERAGE LOAN

DISBURSED

AVERAGE LOAN

BALANCE PAR>30 DAYS

EXCHANGE

RATE

BANCOSOL Pyme n/a n/a n/a n/a n/a n/a n/a n/a

BANDELTA Factoring 3 57 2,773,468 - - 48,657 0.00% 1.00

BANDELTA Automovil No Micro 75 2,968 34,749,696 13,424 13,507 11,708 0.92% 1.00

BANDELTA Préstamo Personal 100 476 3,175,048 8,730 8,691 6,670 13.21% 1.00

BANDELTA Préstamo Garantizado 64 84 2,477,103 48,240 32,667 29,489 3.11% 1.00

BANDELTA Préstamo Comercial 67 25 1,979,492 71,113 64,078 79,180 0.00% 1.00

BANDELTA Préstamo Hipotecario 183 1 23,305 n/a n/a 23,305 0.0% 1.00

BANCO POPULAR Pequeña Empresa CT 33 188 1,637,109 11,340 12,038 8,708 10.94% 20.55

Pequeña Empresa AF 44 143 1,445,977 13,303 14,068 10,112 9.78% 20.55

Mediana Empresa CT 45 58 1,378,329 48,044 45,170 23,764 8.74% 20.55

Mediana Empresa AF 61 104 4,009,918 36,641 44,153 38,557 4.95% 20.55

BANCO SOLIDARIO Comercial/Dolares 32 13 22,516,009 n/a n/a 1,732,001 n/a 1.00

FINANCIERA FAMA INDIVIDUAL comercial/PYME 43 183 1,991,321 13,153 12,897 10,882 1.05% 25.02

FINANCIERA EL COMERCIO Pymes Urbano 10 214 11,077,429 n/a n/a 51,764 10.45% 4,441.00

Pymes Rural 10 231 6,547,359 n/a n/a 28,344 1.58% 4,441.00

FINAMERICA Comercial/PYME 39 1,462 29,522,009 24,214 20,369 20,193 5.22% 1,914.65

MIBANCO Personal 15 20,460 17,765,004 1,287 1,241 868 4.65% 2.78


GENESIS EMPRESARIAL PEQUEÑA EMPRESA 26 1,249 3,474,334 3,590 4,053 2,782 1.62% 7.93

NGO´S 1,249 3,474,334 3,590 4,053 2,782 1.62%

AKIBA Corporate loans 12 80 4,202,260 n/a 81,132 52,528 9.71% 1,615.05

ACCION MICROFINANCE CHINA SME n/a 29 3,241,098 n/a 154,209 111,762 0.00% 6.15

Small Business Loans n/a 52 2,340,618 n/a 69,595 45,012 4.12% 6.15

EAMF CAMEROON CREDIT PETITES ENTREPRISES FDR 9 340 1,856,932 5,779 8,379 5,462 7.75% 485.71

AFRICA AND ASIA 46 501 11,640,908 n/a 78,329 23,235 5.57%

28,417 158,183,817 22,545 34,485 5,567 0.76%



AVERAGE

FIRST LOAN

(US$)

AVERAGE LOAN

DISBURSED

AVERAGE LOAN

BALANCEPAR>30 DAYS

EXCHANGE

RATE

BANCO PICHINCHA BANCA COMUNAL n/a 96,745 52,575,506 636 938 543 3.42% 1.00

BANCO COMPARTAMOS CRÉDITO MUJER 4 1,551,650 716,297,145 n/a n/a 462 2.86% 13.17

CREDICONFIA COMUNAL 4 8,664 1,674,839 293 352 193 6.39% 13.17

REGULATED INSTITUTIONS 1,657,059 770,547,491 n/a 645 465 2.90%

GENESIS EMPRESARIAL BANCOMUNALES 11 33,995 14,958,294 262 2,528 440 0.75% 7.93

NGO´S 6 33,995 14,958,294 262 2,528 440 0.75%

1,691,054 785,505,784 262 1,586 465 2.86%

PYME-COMMERCIAL LOANS


NGO´S-ONG´S

AFRICA-ASIA

TOTAL PYME

VILLAGE BANKING-BANCA COMUNAL


NGO´S-ONG´S

TOTAL VILLAGE BANKING




AVERAGE

FIRST LOAN

AVERAGE LOAN

DISBURSED

AVERAGE LOAN

BALANCEPAR>30 DAYS

EXCHANGE

RATE

BANCO COMPARTAMOS CRÉDITO MEJORA TU CASA 12 330,694 199,928,651 n/a n/a 605 6.12% 13.17

BANDELTA Sobregiro n/a 3 219,424 n/a n/a 73,141 0.00% 1.00

CREDICONFIA EMPLEADOS 12 77 212,925 1,495 1,739 2,765 2.02% 13.17

FINANCIERA FAMA INDIVIDUAL vivienda Mejoramiento 31 100 329,762 4,655 5,323 3,298 1.57% 25.02

MIBANCO Proyecto Especial 56 2,763 50,559,986 33,690 33,597 18,299 4.65% 2.78

Descuento de Documentos n/a 3 3,394,585 n/a 2,329 1,131,528 0.00% 2.78

Leasing n/a 1,806 51,546,176 n/a 46,907 28,542 6.77% 2.78

Rural 10 103,984 48,530,810 n/a n/a 467 8.79% 2.78

SCM AMAZONAS VENTA POR CATALOGO 6 44 8,800 389 489 200 7.33% 2.23

REGULATED INSTITUTIONS 439,474 354,731,120 10,057 15,064 807 6.2% SOGESOL KREDI AGRIKOL n/a 1,586 1,903,120 432 1,210 1,200 2.92% 43.74

KREDI LEKOL 8 4,534 1,876,814 417 481 414 2.75% 43.74

AGRIPRO 8 3,554 339,237 38 92 95 5.99% 43.74

SERVICE COMPANIES 9,674 4,119,170 296 594 426 4.8% GENESIS EMPRESARIAL AGROPECUARIO 11 50,951 22,835,560 340 533 448 1.14% 7.93

CISEC - INFRAESTRUCTURA Y SERV. BASICOS 30 109 29,627 537 3,655 272 0.00% 7.93

CRÉDITO EDUCATIVO 8 32 26,657 851 845 833 0.00% 7.93

NGO´S 51,092 22,891,843 439 1,678 448 6.28%

AKIBA Staff Loans 36 497 2,845,685 n/a 3,013 5,726 4.57% 1,615.05

Uwezeshaji Loans - - n/a n/a n/a n/a 1,615.05

EB-ACCION GHANA Ex-Staff Loan 18 15 39,107 4,153 4,153 2,607 4.00% 2.09

AFRICA AND ASIA 18 512 2,884,792 n/a 4,153 5,634 4.6%

500,752 384,626,925 4,550 7,455 768 6.3%

OTHER PRODUCTS-OTROS PRODUCTOS

AFRICA-ASIA

TOTAL OTHER PRODUCTS




AVERAGE

FIRST LOAN

(US$)

AVERAGE LOAN

DISBURSED (US$)

AVERAGE LOAN


EXCHANGE

RATE

BANCO ADEMI Total Productos 166,359 240,946,040 1,564 1,803 1,448 4.75% 42.44

CREDIAMIGO Total Productos 1,579,749 877,316,947 445 774 555 1.29% 2.23

FINSOL Total Productos 9,717 39,111,756 3,092 3,959 4,025 7.44% 20.55

INTEGRAL Total Productos 28,332 64,266,358 2,063 1,778 2,268 11.38% 1.00

REGULATED INSTITUTIONS 1,784,157 1,221,641,101 1,791 2,078 685 0.93% SANTANDER MICROCREDITO Total Productos 120,118 106,839,910 877 1,457 889 4.35% 2.23

SERVICE COMPANIES 120,118 106,839,910 877 1,457 889 4.35%

FUNDACION PARAGUAYA Total Productos 57,277 24,431,026 n/a 2,300 427 3.24% 4,441.00

NGO´S 57,277 24,431,026 n/a 2,300 427 3.24%

1,961,553 1,352,912,037 1,495 2,058 690 1.2%

NGO´S-ONG´S

TOTAL NOT DETAILED

INSTITUTIONS WHICH DID NOT REPORT DETAIL BY PRODUCT AS OF SEPTEMBER 2013-IMF´S QUE NO REPORTAN DETALLE


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