Detalleproductocrédito0913

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

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7.4

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2.9

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%

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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L LO

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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

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02,0004,0006,0008,000

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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

Detalleproductocrédito0913

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