Reporte Productos de Crédito 0314

Informe por Producto Crediticio: Red Acción y Partners

TOTAL AL FINAL DE MARZO, 2014: 4,969,970 4,62%6.847.202CLIENTES ACTIVOS CARTERA ACTIVA CARTERA VENCIDA

PRODUCTO Prestatarios Activos % Cartera Activa (000's) % Cartera Vencida * Monto Promedio ** Saldo Promedio **Crédito Solidario 855,705 17.2% 399,328,174 5.8% 2.9% 659 467

Crédito Individual (Capital de Trabajo) 1,047,329 21.1% 2,848,139,161 41.6% 4.4% 4,433 2,719

Consumo 478,524 9.6% 1,313,451,715 19.2% 7.2% 3,572 2,745

Comercial PYME 30,526 0.6% 156,489,504 2.3% 6.1% 28,400 5,126

Vivienda 53,183 1.1% 281,427,479 4.1% 2.5% 5,111 5,292

Activos Fijos 41,749 0.8% 333,471,265 4.9% 7.1% 5,073 7,988

Banca Comunal 1,955,486 39.3% 788,284,808 11.5% 2.2% 1,810 403

Otros Productos 255,119 5.1% 410,364,146 6.0% 4.0% 1,609 1,609

Sin detalle 252,350 5.1% 316,245,442 4.6% 4.2% 2,325 1,253

TOTAL 4,969,970 100.0% 6,847,201,695 100% 4.62% 640 1,378

* 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

A partir del primer trimestre de 2014, se presenta una disminución de Clientes y Cartera sin deta-lle debido a la no inclusión de información de 2 instituciones que no presentaban detalle de sus productos y con quien Acción actualmente no tiene vinculo. Por esta razón, Santander Micro-crédito y CrediAmigo de Banco Do Nordeste no se incluirán en el reporte por producto y en los reportes futuros. Adicionalmente, se refleja una disminución en clientes del producto Individual así como de los productos PYME, Vivienda y Ban-ca Comunal con respecto a Dic 2013 más no en una proporción significativa.Banca Comunal continúa reflejando una partici-pación porcentual importante seguido del pro-ducto Individual en término de clientes activos.

La participación de Cartera del produc-to Individual mantiene el liderazgo. Es importante destacar el incremento de la cartera del producto Consumo, PYME y Vivienda así como el incremento de la cartera PYME en comparación al añor anterior.

La Cartera Vencida >30 para los produc-tos Individual y Consumo pasó del 3.8% al 2.9% y del 6.7% al 7.2% respectiva-mente. PYME, Consumo y Activos fijos tienen los % más altos mientras que Banca Comunal tiene el indicador más bajo a marzo 2014.

659 4,433 3,572 28,400 5,111 5,073 1,810 1,609

18 19 21

45

78

13 6

19

0102030405060708090

05,000

10,00015,00020,00025,00030,000

GROU

P LO

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SOLID

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S/CO

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PYM

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HOUS

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TROSAMOUNT DISBURSED VS TERM

/MONTO DESEMBOLSADO VS PLAZO

AVERAGE LOAN DISBURSED (US$)/MONTO PROMEDIO DESEMBOLSADOTERM (MONTHS)

Report By Product MARCH 2014/ MARZO 2014 Reporte Por Producto

PRODUCT/PRODUCTO TERM (MONTHS) 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 VENCIDA>30 DIAS

GROUP LOANS/SOLIDARIOS 18 855,705 17.2% 399,328,174 5.8% 710 659 467 2.9%

INDIVIDUAL LOANS 19 1,047,329 21.1% 2,848,139,161 41.6% 4,079 4,433 2,719 4.4%

CONSUMER LOANS/CONSUMO 21 478,524 9.6% 1,313,451,715 19.2% 4,445 3,572 2,745 7.2%

PYME 45 30,526 0.6% 156,489,504 2.3% 19,730 28,400 5,126 6.1%

HOUSING/VIVIENDA 78 53,183 1.1% 281,427,479 4.1% 6,141 5,111 5,292 2.5%

FIXED ASSETS/ACTIVOS FIJOS 13 41,749 0.8% 333,471,265 4.9% 5,181 5,073 7,988 7.1%

VILLAGE BANKING/BANCA COMUNAL 6 1,955,486 39.3% 788,284,808 11.5% 279 1,810 403 2.2%

OTHER PRODUCTS/OTROS 19 255,119 5.1% 410,364,146 6.0% 4,194 1,609 1,609 4.0%

NOT DETAILED/SIN DETALLE n/a 252,350 5.1% 316,245,442 4.6% 2,529 2,325 1,253 4.2%

TOTAL INSTITUTIONS/INSTITUCIONES 4,969,970 100.0% 6,847,201,695 100.0% 1,011 640 1,378 4.62%

TOTAL INSTITUTIONS/INSTITUCIONES

39

9

2,8

48

1,3

13

15

6

28

1

33

3

78

8

41

0

31

6

2.9

% 4

.4%

7.2

%

6.1

%

2.5

%

7.1

%

2.2

%

4.0

%

4.2

%

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

OU

P L

OA

NS/

SOLI

DA

RIO

S

IND

IVID

UA

L LO

AN

S

CO

NSU

MER

LO

AN

S/C

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SUM

O

PYM

E

HO

USI

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/VIV

IEN

DA

FIX

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ASS

ET

S/A

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VIL

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AN

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/SIN

DE

TA

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Mill

ion

s

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

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

659 4,433 3,572 28,400 5,111 5,073 1,810 1,609

18 19 21

45

78

13 6

19

0

20

40

60

80

100

0

10,000

20,000

30,000

GR

OU

PLO

AN

S/SO

LID

AR

IOS

IND

IVID

UA

LLO

AN

S

CO

NSU

MER

LOA

NS/

CO

NSU

MO

PYM

E

HO

USI

NG

/VIV

IEN

DA

FIX

ED

ASS

ET

S/A

CT

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S FI

JOS

VIL

LAG

EB

AN

KIN

G/B

AN

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CO

MU

NA

L

OTH

ER

PR

OD

UC

TS/

OT

RO

S

AMOUNT DISBURSED VS TERM /MONTO DESEMBOLSADO VS PLAZO

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

6%

42%

19%

2%

4%

5%

11%

6% 5%

LOAN PORTFOLIO US$/ CARTERA ACTIVA GROUP LOANS/SOLIDARIOS

INDIVIDUAL LOANS

CONSUMER LOANS/CONSUMO

PYME

HOUSING/VIVIENDA

FIXED ASSETS/ACTIVOS FIJOS

VILLAGE BANKING/BANCACOMUNALOTHER PRODUCTS/OTROS

NOT DETAILED/SIN DETALLE

17%

21%

10%

1% 1% 1%

39%

5% 5%

ACTIVE CLIENTS/CLIENTES ACTIVOS GROUP LOANS/SOLIDARIOS

INDIVIDUAL LOANS


PYME

HOUSING/VIVIENDA





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

637,673 14.2% 353,573,955 5.4% 2,092 1,844 554 2.4%

945,283 21.0% 2,750,517,971 41.7% 3,593 3,678 2,910 4.4%

476,031 10.6% 1,309,639,194 19.8% 4,661 4,047 2,751 5.5%

29,236 0.7% 141,856,542 2.1% 25,837 20,499 4,852 3.8%

35,537 0.8% 257,665,250 3.9% 2,284 6,815 5,748 6.1%

41,333 0.9% 331,886,829 5.0% 6,460 7,583 5,018 6.1%

1,927,643 42.9% 775,628,945 11.8% n/a n/a 402 2.1%

210,313 4.7% 386,457,475 5.9% 5,344 10,084 1,838 6.0%

193,133 4.3% 291,814,746 4.4% 2,529 2,314 1,511 4.5%

TOTAL REGULATED/REGULADAS 4,496,181 100.0% 6,599,040,905 100.0% 1,102 632 1,468 4.63%


TOTAL REGULATED INSTITUTIONS AND PRIVATE COMPANIES/INSTITUCIONES REGULADAS Y COMPAÑÍAS PRIVADAS

PRODUCT/PRODUCTO

GROUP LOANS/SOLIDARIOS

INDIVIDUAL


PYME

HOUSING/VIVIENDA


VILLAGE BANKING/BANCA COMUNAL

OTHER PRODUCTS/OTROS

5%

42%

20%

2%

4%

5%

12%

6% 4%

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


2.4%

4.4%

5.5%

3.8%

6.1% 6.1%

2.1%

6.0%

4.5%

0.0%

1.0%

2.0%

3.0%

4.0%

5.0%

6.0%

7.0%

PAR>30 DAYS/CARTERA AFECTADA>30 DIAS

GROUP LOANS/SOLIDARIOS

INDIVIDUAL


PYME

HOUSING/VIVIENDA





14%

21%

10%

1% 1% 1%

43%

5% 4%

ACTIVE CLIENTS/CLIENTES ACTIVOS

GROUP LOANS/SOLIDARIOS INDIVIDUAL



VILLAGE BANKING/BANCA COMUNAL OTHER PRODUCTS/OTROS


MARCH 2014


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 LOANS 47,818 24.2% 29,706,762 26.2% 679 1,425 621 2.4%PYME 731 0.4% 2,578,803 2.3% 12,048 10,729 3,528 2.5%HOUSING/VIVIENDA 17,372 8.8% 23,267,898 20.5% 1,154 1,479 1,339 5.9%VILLAGE BANKING/BANCA COMUNAL 27,843 14.1% 12,655,864 11.1% 279 2,891 455 3.4%OTHER PRODUCTS/OTROS 44,255 22.4% 20,879,662 18.4% 745 972 472 3.6%NOT DETAILED/SIN DETALLE 59,217 30.0% 24,430,696 21.5% n/a 2,347 413 3.3%

TOTAL NGO´S/ONG´S 197,236 100.0% 113,519,684 100.0% 635 1,920 576 3.34%

ACTIVE CLIENTS/CLIENTES

ACTIVOS%


ACTIVA%

AVERAGE FIRST LOANS


DESEMBOLSADO



DESEMBOLSADO

AVERAGE LOAN

BALANCE

(US$)/SALDO

PROMEDIO

PAR>30 DAYS/CARTERA

VENCIDA>30 DIAS

218,032 78.8% 45,754,220 34.0% 177 263 210 1.3%54,228 19.6% 67,914,428 50.4% 5,537 6,256 1,252 5.6%2,493 0.9% 3,812,521 2.8% 4,184 2,793 1,529 21.2%

559 0.2% 12,054,159 9.0% n/a 83,682 21,564 2.3%

274 0.1% 494,332 0.4% n/a 443 1,804 4.9%416 0.2% 1,584,436 1.2% 3,797 5,624 3,809 10.4%551 0.2% 3,027,010 2.2% n/a 5,360 5,494 6.6%

TOTAL AFRICA-ASIA 276,553 100.0% 134,641,106 100.0% 448 757 487 5.14%

PYME

HOUSING/VIVIENDAFIXED ASSETS/ACTIVOS FIJOSOTHER PRODUCTS/OTROS

}


TOTAL NGO´S/ONG´S

PRODUCT/PRODUCTO

TOTAL AFRICA-ASIA

PRODUCT/PRODUCTO

GROUP LOANS/SOLIDARIOSINDIVIDUAL LOANS

26%

2%

21%

11%

18%

22%


INDIVIDUAL LOANS PYME

HOUSING/VIVIENDA VILLAGE BANKING/BANCA COMUNAL

OTHER PRODUCTS/OTROS NOT DETAILED/SIN DETALLE

2.4% 2.5%

5.9%

3.4% 3.6% 3.3%

0.0%

1.0%

2.0%

3.0%

4.0%

5.0%

6.0%

7.0%


INDIVIDUAL LOANS

PYME

HOUSING/VIVIENDA




24%

0%

9%

14% 23%

30%


INDIVIDUAL LOANS PYME

HOUSING/VIVIENDA VILLAGE BANKING/BANCA COMUNAL

OTHER PRODUCTS/OTROS NOT DETAILED/SIN DETALLE

34%

51%

3% 9%

0% 1% 2%


GROUP LOANS/SOLIDARIOS INDIVIDUAL LOANS




2.4% 2.5%

5.9%

3.4% 3.6% 3.3%

0.0%

1.0%

2.0%

3.0%

4.0%

5.0%

6.0%

7.0%


INDIVIDUAL LOANS

PYME

HOUSING/VIVIENDA




79%

20%

1% 0% 0% 0% 0%


GROUP LOANS/SOLIDARIOS INDIVIDUAL LOANS





PRODUCT/PRODUCTO TERM (MONTHS)ACTIVE CLIENTS/CLIENTES

ACTIVOS%


ACTIVA%

AVERAGE FIRST LOANS (US$)/MONTO

PRIMARIO DESEMBOLSADO



DESEMBOLSADO

AVERAGE LOAN

BALANCE

(US$)/SALDO

PROMEDIO

PAR>30 DAYS/CARTERA

VENCIDA>30 DIAS

GROUP LOANS/SOLIDARIOS 18 855,705 17.2% 399,328,174 5.8% 710 659 467 2.9%

INDIVIDUAL LOANS 19 1,047,329 21.1% 2,848,139,161 41.6% 4,079 4,433 2,719 4.4%

CONSUMER LOANS/CONSUMO 21 478,524 9.6% 1,313,451,715 19.2% 4,445 3,572 2,745 7.2%

PYME 45 30,526 0.6% 156,489,504 2.3% 19,730 28,400 5,126 6.1%

HOUSING/VIVIENDA 78 53,183 1.1% 281,427,479 4.1% 6,141 5,111 5,292 2.5%

FIXED ASSETS/ACTIVOS FIJOS 13 41,749 0.8% 333,471,265 4.9% 5,181 5,073 7,988 7.1%

VILLAGE BANKING/BANCA COMUNAL 6 1,955,486 39.3% 788,284,808 11.5% 279 1,810 403 2.2%

OTHER PRODUCTS/OTROS 19 255,119 5.1% 410,364,146 6.0% 4,194 1,609 1,609 4.0%

NOT DETAILED/SIN DETALLE n/a 252,350 5.1% 316,245,442 4.6% 2,529 2,325 1,253 4.2%

TOTAL INSTITUTIONS/INSTITUCIONES 4,969,970 100.0% 6,847,201,695 100.0% 1,011 640 1,378 4.62%

TOTAL INSTITUTIONS/INSTITUCIONES

39

9

2,8

48

1,3

13

15

6

28

1

33

3

78

8

41

0

31

6

2.9

% 4

.4%

7.2

%

6.1

%

2.5

%

7.1

%

2.2

%

4.0

%

4.2

%

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

OU

P L

OA

NS/

SOLI

DA

RIO

S

IND

IVID

UA

L LO

AN

S

CO

NSU

MER

LO

AN

S/C

ON

SUM

O

PYM

E

HO

USI

NG

/VIV

IEN

DA

FIX

ED A

SSET

S/A

CTI

VO

S FI

JOS

VIL

LAG

E B

AN

KIN

G/B

AN

CA

CO

MU

NA

L

OTH

ER P

RO

DU

CTS

/OTR

OS

NO

T D

ETA

ILED

/SIN

DET

ALL

E

Mill

ion

s

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

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

659 4,433 3,572 28,400 5,111 5,073 1,810 1,609

18 19 21

45

78

13 6

19

0

20

40

60

80

100

0

10,000

20,000

30,000

GR

OU

PLO

AN

S/SO

LID

AR

IOS

IND

IVID

UA

LLO

AN

S

CO

NSU

MER

LOA

NS/

CO

NSU

MO

PYM

E

HO

USI

NG

/VIV

IEN

DA

FIX

EDA

SSET

S/A

CTI

VO

S FI

JOS

VIL

LAG

EB

AN

KIN

G/B

AN

CA

CO

MU

NA

L

OTH

ERP

RO

DU

CTS

/OTR

OS

AMOUNT DISBURSED VS TERM /MONTO DESEMBOLSADO VS PLAZO

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

6%

42%

19%

2%

4%

5%

11%

6% 5%

LOAN PORTFOLIO US$/ CARTERA ACTIVA GROUP LOANS/SOLIDARIOS

INDIVIDUAL LOANS


PYME

HOUSING/VIVIENDA




17%

21%

10%

1% 1% 1%

39%

5% 5%

ACTIVE CLIENTS/CLIENTES ACTIVOS GROUP LOANS/SOLIDARIOS

INDIVIDUAL LOANS


PYME

HOUSING/VIVIENDA




Report By Product MARZO 2014/MARCH 2014 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 n/a 581,852 250,250,864 n/a n/a 430 3.58% 13.0549

BANCO POPULAR Solidario CT 8 1 120 n/a n/a 120 100.00% 20.75

BANGENTE Mancomunados 9 38,965 98,435,323 4,483 4,731 2,526 0.48% 6.30

CREDICONFIA SOLIDARIO 5 12,296 4,035,195 381 605 328 12.20% 13.0549

FINANCIERA FAMA GRUPAL Microcrédito 25 4,480 801,582 161 297 178.92 4.41% 25.64

INTEGRAL Creditos Solidarios Urbano 5 38 23,791 n/a 675 634.43 31.56% 1.00

Creditos Solidarios Rural 6 9 4,805 n/a 917 533.90 12.48% 1.00

SCM AMAZONAS ACCION SOLIDARIO 8 32 22,274 949 949 696 7.27% 2.26

REGULATED INSTITUTIONS 9 637,673 353,573,955 2,092 1,844 554 2.4%

AKIBA Solidarity Loans 9 11,317 3,220,842 n/a 443 285 5.56% 1,637.09

EB-ACCION GHANA Group - Loans 6 754 133,862 n/a n/a 178 1.78% 2.84

SWADHAAR FINSERVE Swahit Loan (GL) 24 153,159 32654273.67 310 318 213 1.09% 60.10

GL - Top up Loan 12 314 374384.9064 n/a 82 1,192 1.73% 60.10

SAIJA SKR-Monthly n/a 70 20,741 n/a n/a 296 0.00% 60.10

SKR-(New) 46 605 95,464 120 306 158 0.00% 60.10

SMR-(New) 46 951 81,641 413 198 86 0.15% 60.10

SKR-(Fortnightly) 26/52 4,784 1,045,374 252 304 219 0.00% 60.10

SMR-(Fornightly) 26/52 38,938 6,714,521 27 250 172 0.09% 60.10

SMR-(Monthly) n/a 2,405 605,990 n/a 178 252 0.00% 60.10

Saija Vridhi Rin SKR Fortnightly Microcredit n/a 5 729 n/a n/a 146 0.00% 60.10

EAMF CAMEROON CREDITS SOLIDAIRE MULTIPLES 46 4,730 806,396 195 290 170 5.20% 475.74

AFRICA AND ASIA 18 218,032 45,754,220 177 263 210 1.30%

18 855,705 399,328,174 710 659 467 2.87%

GROUP LOANS/GRUPOS SOLIDARIOS

REGULATED INSTITUTIONS-INSTITUCIONES REGULADAS

AFRICA AND ASIA

TOTAL GROUP LOANS




AVERAGE LOAN

DISBURSED (US$)

AVERAGE LOAN


EXCHANGE

RATE

BANCO COMPARTAMOS CRÉDITO INDIVIDUAL 12 117,108 122,329,547 n/a n/a 1,045 8.71% 13.0549

CRÉDITO ADICIONAL 3 236 9,038,752 n/a n/a 38,300 1.72% 13.0549

BANDELTA Capital de Trabajo 20 7,988 8,709,386 n/a n/a 1,090 4.37% 1.00

Autómovil Micro 63 6,774 76,429,804 14,290 14,533 11,282.82 1.42% 1.00

Capital de Trabajo con Garantía Hipotecaria n/a 52,969 7,868 7,868 0.00% 1.00

BANCO SOLIDARIO Microempresa 26 91,279 256,709,856 2,532 2,931 2,812 3.26% 1.00

BANCOSOL Sol Individual 33 117,942 485,195,944 3,709 4,304 4,114 1.08% 6.86

Sol Crecer 16 7,632 6,154,004 1,032 1,075 806 2.29% 6.86

Sol DPF 24 452 1,277,229 2,572 2,776 2,826 0.33% 6.86

Sol Productivo 28 50,985 201,543,738 3,195 3,959 3,953 0.33% 6.86

Sol Agropecuario 31 6,378 33,833,935 5,100 5,740 5,305 0.08% 6.86

BANCO POPULAR Individual CT 21 14,450 21,876,078 n/a n/a 1,514 6.23% 20.75

Individual AF 30 1,933 4,541,739 n/a n/a 2,350 6.95% 20.75

Individual Cruzado 48 3 4,599 n/a n/a 1,533 8.78% 20.75

Crédito Agropecuario 61 3 5,988 n/a n/a 1,996 11.47% 20.75

BANGENTE Individuales 9 15,007 115,321,080 9,572 8,790 7,684 0.72% 6.30

CREDICONFIA INDIVIDUAL 6 2,319 3,775,860 2,035 2,294 1,628 7.18% 13.05

FINANCIERA FAMA INDIVIDUAL microcrédito 22 36,703 25,583,230 822 966 697 1.74% 25.64

FINAMERICA Microempresa 26 84,132 238,377,569 2,913 2,776 2,833 9.21% 1,965.32

FINANCIERA EL COMERCIO Microempresas Urbanas* 12 11,698 26,563,011 894 1,493 2,271 9.72% 4,439.00

Microempresa Rural 12 19,366 57,581,640 1,115 1,375 2,973 5.54% 4,439.00

INTEGRAL Microcrédito Individual Urbano 28 10,053 23,225,894 n/a 1,488 2,310.44 11.49% 1.00

Microcrédito Individual Rural 24 10,834 24,632,304 n/a 1,931 2,273.72 10.35% 1.00

MIBANCO Capital de Trabajo 16 112,194 451,383,783 4,386 4,871 4,023 8.05% 2.81

SCM AMAZONAS ACCION GIRO 12 2,333 2,042,775 1,345 1,488 876 6.58% 2.26

ACCION ATIVO 24 284 199,159 1,614 1,734 701 18.99% 2.26

BANCO PICHINCHA CREDIFE 21 203,373 541,292,633 2,724 3,774 2,662 4.00% 1.00

SOGESOL FONDS DE ROULEMENT 8 13,825 12,835,465 542 1,063 928 8.17% 44.71

REGULATED INSTITUTIONS 24 945,283 2,750,517,971 3,593 3,678 2,909.73 4.44%

FMSD Microempresas 24 4,410 4,089,429 770 1,504 927 4.55% 1,965.32

GENESIS EMPRESARIAL MICROEMPRESA 14 43,408 25,617,333 588 1,345 590 2.07% 7.73

NGO'S 19 47,818 29,706,762 679 1,425 621 2.41%

AKIBA Biashara Loans (individual) 9 14,365 29,374,970 n/a 2,896 2,045 4.88% 1,637.09

AMFB MICRO BUSINESS (MCB) 6 24,841 20,010,986 975 1,418 806 5.52% 155.26

EB-ACCION GHANA Nkosuo - working capital 7 5,319 1,718,235 493 610 323 10.31% 2.84

Adwuma pa - Working Capital 9 2,237 2,568,668 2,747 2,483 1,148 11.11% 2.84

Micro - working capital 9 192 881,025 8,177 8,652 4,589 9.07% 2.84

SME - Working Capital 12 100 1,206,373 14,965 19,672 12,064 3.52% 2.84

SWADHAAR FINSERVE Swayog Loan (IL) 8 1 6 n/a n(a 6 100.00% 60.10

BL - Top up Loan 8 3,055 843,680 437 489 276 2.58% 60.10

ACCION MICROFINANCE CHINA Working Capital Loan-Urban n/a 610 4,970,487 14,871 15,976 8,148 8.85% 6.15

Working Capital Loan-Rural n/a 707 4,025,663 8,418 9,112 5,694 0.75% 6.15

Agric Loan n/a 151 760,109 5,960 8,975 5,034 2.37% 6.15

EAMF CAMEROON CRD PETITES ENTREPRISE EQUIP 10 12 45,303 3,153 3,889 3,775 8.64% 475.74

FONDS DE ROULEMENT 7 2,638 1,508,921 708 904 572 11.50% 475.74

AFRICA AND ASIA 8 54,228 67,914,428 5,537 6,256 1,252 5.61%

TOTAL INDIVIDUAL 19 1,047,329 2,848,139,161 4,079 4,433 2,719 4.45%

INDIVIDUAL LOANS-CREDITOS INDIVIDUALES

REGULATED INSTITUTIONS

NGO´S-ONG'S

AFRICA-ASIA




AVERAGE LOAN

DISBURSED (US$)

AVERAGE LOAN


EXCHANGE

RATE

BANCO SOLIDARIO Olla de Oro 23 51,325 68,621,750 1,343 1,134 1,337 4.97% 1.00

CONSUMO 24 281 1,197,725 6,027 5,532 4,262.37 1.50% 1.00

TCF 10 154,677 187,512,688 n/a 52 1,212 5.65% 1.00

VISA 8 5,403 8,133,184 n/a 96 1,505 1.50% 1.00

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

Sol Efectivo 27 38,934 137,529,637 2,984 3,558 3,532 1.34% 6.86

Sol Vehículo 60 200 2,600,909 13,343 13,453 13,005 0.00% 6.86

BANDELTA Consumo n/a 295 322,772 1,059 1,375 1,094 3.75% 1.00

BANCO POPULAR Consumo 28 139 266,718 1,857 2,043 1,919 13.77% 20.75

FINANCIERA FAMA INDIVIDUAL consumo 21 4,042 3,178,462 1,113 1,186 786 0.88% 25.64

MIBANCO Bien Mueble 28 33,491 234,543,590 7,433 8,707 7,003 6.11% 2.81

Línea de Crédito n/a 26,109 229,601,550 19,719 16,336 8,794 7.97% 2.81

Tarjeta de Crédito n/a 1,599 738,530 n/a n/a 462 15.97% 2.81

FINAMERICA Consumo 18 8,449 23,151,098 3,303 649 2,740 10.50% 1,965.32

FINANCIERA EL COMERCIO Préstamos Personales 16 34,021 20,424,158 1,092 1,250 600 10.36% 4,439.00

Tarjeta de Créditos 12 13,782 3,453,842 n/a n/a 251 14.71% 4,439.00

Préstamos Personales Rural 16 11,631 11,043,977 919 1,098 950 5.54% 4,439.00

Tarjeta de Créditos Rural 12 7,771 1,428,603 n/a n/a 184 7.07% 4,439.00

BANCO PICHINCHA OTROS PRODUCTOS n/a 78,189 373,819,725 n/a n/a 4,781 10.43% 1.00

INTEGRAL Consumo Urbano 29 284 445,426 n/a 614 1,570.24 10.14% 1.00

Consumo Rural 17 437 291,934 n/a 356 668.30 13.37% 1.00

SOGESOL PRETS AUX SALARIES 12 4,972 1,332,915 399 463 268 2.13% 44.71

REGULATED INSTITUTIONS 21 476,031 1,309,639,194 4,661 4,047 2,751 5.46%

AKIBA Consumer Loans 36 2,094 2,857,109 n/a 2,513 1,364 27.17% 1,637.09

EB-ACCION GHANA Staff Loan 37 206 550,110 4,184 4,184 2,670 0.00% 2.84

EAMF CAMEROON CREDIT AVERE 7 16 58,434 n/a 1,682 3,652 54.51% 475.74

ACCION MICROFINANCE CHINA Salary Loans n/a 177 346,867 3,480 3,702 1,960 0.00% 6.15

AFRICA AND ASIA 27 2,493 3,812,521 4,184 2,793 1,529 21.2%

21 478,524 1,313,451,715 4,445 3,572 2,745 7.2%


AFRICA-ASIA

TOTAL CONSUMER LOANS

CONSUMER LOANS-CREDITOS DE CONSUMO



(MONTHS)ACTIVE CLIENTS LOAN PORTFOLIO US$ AVERAGE FIRST LOAN

AVERAGE LOAN

DISBURSED

AVERAGE LOAN

BALANCE PAR>30 DAYS

EXCHANGE

RATE

BANCOSOL Sol Vivienda 46 16,975 89,001,779 5,543 6,375 5,243 0.80% 6.86

BANCO POPULAR Vivienda 213 865 10,308,784 19,276 16,626 11,918 8.02% 20.75

Vivienda Fideicomisos 44 14 2,026 n/a n/a 145 100.00% 20.75

Micro Vivienda 38 787 2,305,780 4,446 4,188 2,930 6.37% 20.75

BANCO SOLIDARIO Vivienda 114 432 3,220,458 n/a 7,030 7,454.76 13.51% 1.00

BANDELTA Microvivienda n/a 210 247,437 n/a n/a 1,178 1.33% 1.00

MIBANCO Personal para Empleados 32 965 2,874,339 4,261 1,570 2,979 0.20% 2.81

Mivivienda 171 188 2,480,845 n/a n/a 13,196 6.21% 2.81

Vivienda 33 14,936 147,043,831 11,593.69 10,099 9,845 3.24% 2.81

INTEGRAL Vivienda Comunitaria Urbana 116 27 20,256 n/a n/a 750.23 21.77% 1.00

Vivienda Comunitaria Rural 115 25 9,692 n/a n/a 387.67 25.41% 1.00

SOGESOL KREDI KAY 12 113 150,023 1,698 1,819 1,328 8.63% 44.71

REGULATED INSTITUTIONS 85 35,537 257,665,250 7,803 6,815 7,250.62 2.15%

FMSD VIVIENDA 120 573 2,818,372 707 1,285 4,919 19.71% 1,965.32

GENESIS EMPRESARIAL VIVIENDA 30 16,799 20,449,526 1,602 1,674 1,217 3.94% 7.73

NGO´S 75 17,372 23,267,898 1,154 1,479 1,339 5.85%

AKIBA Home Improvement Loans 6 274 494,332 n/a 443 1,804 4.86% 1,637.09

AFRICA AND ASIA 6 274 494,332 n/a 443 1,804 4.86%

TOTAL HOUSING 78 53,183 281,427,479 6,141 5,111 5,292 2.47%

BANDELTA Capital de Trabajo con Garantía Hipotecaria 27 1,963 3,089,603 n/a 1,765 1,574 1.51% 1.00

MIBANCO Bien Inmueble 30 39,370 328,797,226 9,333 10,058 8,351 3.59% 2.81

REGULATED INSTITUTIONS 41,333 331,886,829 9,333 5,912 8,030 7.12%

AMFB Fixed Assets 9 13 17,870 n/a n/a 1,375 23.94% 155.26

EB-ACCION GHANA Nkosuo - Fixed Assets 7 26 16,364 849 877 629 5.29% 2.22

Adwuma pa - Fixed Assets 10 64 86,636 2,620 2,494 1,354 0.00% 2.84

Micro - Fixed Assets 18 20 98,131 n/a 9,859 4,907 7.17% 2.84

SME - Fixed Assets 21 264 1,346,316 7,923 9,426 5,100 11.59% 2.84

EAMF CAMEROON MICROCREDIT EQUIPEMENT 8 29 19,120 578 1,030 659 2.87% 475.74

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

AFRICA AND ASIA 16 416 1,584,436 3,797 5,624 3,809 10.41%

13 41,749 333,471,265 5,181 5,073 7,988 7.13%

HOUSING LOANS-CREDITOS DE VIVIENDA

NGO´S-ONG´S

AFRICA AND ASIA

FIXED ASSETS-ACTIVOS FIJOS


AFRICA-ASIA

TOTAL FIXED ASSETS


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

BANDELTA Factoring 3 38 1,905,002 - - 50,132 0.00% 1.00

BANDELTA Automovil No Micro 75 3,711 35,747,499 12,891 13,147 9,633 0.81% 1.00

BANDELTA Préstamo Personal 102 421 2,671,141 9,509 11,025 6,345 21.46% 1.00

BANDELTA Préstamo Garantizado 62 88 2,454,610 14,502 19,315 27,893 1.07% 1.00

BANDELTA Préstamo Comercial 62 30 2,026,972 9,856 67,566 2.40% 1.00

BANDELTA Préstamo Hipotecario 122 2 47,716 n/a n/a 23,858 0.0% 1.00

BANCO POPULAR Pequeña Empresa CT 31 196 1,715,824 12,289 11,873 8,754 10.03% 20.75

Pequeña Empresa AF 43 144 1,415,912 12,529 14,096 9,833 10.51% 20.75

Mediana Empresa CT 46 64 1,286,915 14,457 27,308 20,108 6.90% 20.75

Mediana Empresa AF 59 111 3,962,926 38,552 41,748 35,702 5.51% 20.75

BANCO SOLIDARIO Comercial/Dolares 31 14 1,610,545 n/a n/a 115,039 62.34% 1.00

FINANCIERA FAMA INDIVIDUAL comercial/PYME 43 221 2,663,331 16,255 14,520 12,051 1.22% 25.64

FINANCIERA EL COMERCIO Pymes Urbano 10 218 13,083,005 68,172 27,000 60,014 5.66% 4,439.00

Pymes Rural 10 263 8,028,888 40,522 25,381 30,528 11.88% 4,439.00

FINAMERICA Comercial/PYME 40 1,437 29,626,602 23,028 20,259 20,617 4.66% 1,965.32

INTEGRAL Pequeña empresa y Vivienda Individual Urbano 72 1,476 9,075,094 8,145 6,149.48 9.82% 1.00

Pequeña empresa y Vivienda Individual Rural 53 1,404 5,581,320 6,065 3,974.83 10.69% 1.00

MIBANCO Personal 15 19,398 18,953,239 1,460 1,204 977 3.60% 2.81


GENESIS EMPRESARIAL PEQUEÑA EMPRESA 27 731 2,578,803 12,048 10,729 3,528 2.54% 7.73

NGO´S 731 2,578,803 12,048 10,729 3,528 2.54%

AKIBA Corporate loans 12 82 4,099,203 n/a 73,737 49,990 7.55% 1,637.09

ACCION MICROFINANCE CHINA SME n/a 41 3,843,593 n/a 184,219 93,746 - 6.15

Small Business Loans n/a 60 2,245,186 n/a 68,713 37,420 12.15% 6.15

EAMF CAMEROON CREDIT PETITES ENTREPRISES FDR 9 376 1,866,177 6,402 8,059 4,963 16.62% 475.74

AFRICA AND ASIA 44 559 12,054,159 n/a 83,682 21,564 2.26%

TOTAL PYME 45 30,526 156,489,504 19,730 28,400 5,126 6.14%



AVERAGE LOAN

DISBURSED

AVERAGE LOAN

BALANCEPAR>30 DAYS

EXCHANGE

RATE

BANCO PICHINCHA BANCA COMUNAL n/a 88,655 46,653,522 558 1,038 526 7.00% 1.00

BANCO COMPARTAMOS CRÉDITO MUJER 4 1,830,901 727,389,716 n/a n/a 397 1.80% 13.0549

CREDICONFIA COMUNAL 4 8,087 1,585,707 314 419 196 15.98% 13.0549

REGULATED INSTITUTIONS 1,927,643 775,628,945 n/a 729 402 2.14%

GENESIS EMPRESARIAL BANCOMUNALES 11 27,843 12,655,864 279 2,891 455 3.40% 7.73

NGO´S 6 27,843 12,655,864 279 2,891 455 3.40%

6 1,955,486 788,284,808 279 1,810 403 2.16%

PYME-COMMERCIAL LOANS


NGO´S-ONG´S

TOTAL VILLAGE BANKING


NGO´S-ONG´S

AFRICA-ASIA

VILLAGE BANKING-BANCA COMUNAL



(MONTHS)ACTIVE CLIENTS LOAN PORTFOLIO US$ AVERAGE FIRST LOAN

AVERAGE LOAN

DISBURSED

AVERAGE LOAN

BALANCEPAR>30 DAYS

EXCHANGE

RATE

BANCO COMPARTAMOS CRÉDITO MEJORA TU CASA 12 27,321 191,269,179 n/a n/a 7,001 3.96% 13.0549

BANCO SOLIDARIO CASAS COMERCIALES 16 59,178 38,175,017 n/a 1,025 645.09 4.49% 1.00

UNICRÉDITO 16 21,153 22,941,601 n/a 1,888 1,084.56 13.51% 1.00

BANDELTA Sobregiro n/a 2 26,255 n/a n/a 13,128 0.00% 1.00

CREDICONFIA EMPLEADOS 12 41 127,765 2,106 2,735 3,116 4.41% 13.05

FINANCIERA FAMA INDIVIDUAL vivienda Mejoramiento 31 86 269,730 2,732 4,430 3,136 4.19% 25.64

MIBANCO Proyecto Especial 56 2,450 44,442,645 25,911 29,272 18,140 3.59% 2.81

Leasing n/a 1,770 46,032,203 n/a 49,792 26,007 11.99% 2.81

Rural 10 83,625 37,646,500 n/a n/a 450 9.20% 2.81

SCM AMAZONAS VENTA POR CATALOGO 6 2 530 n/a n/a 265 n/a 2.26

SOGESOL KREDI AGRIKOL n/a 3,145 3,570,374 901 1,129 1,135 4.39% 44.71

KREDI LEKOL 8 6,403 1,487,123 365 404 232 10.83% 44.71

AGRIPRO 8 5,137 468,553 47 85 91 13.50% 44.71


GENESIS EMPRESARIAL AGROPECUARIO 11 44,047 20,725,387 382 576 471 3.63% 7.73

CISEC - INFRAESTRUCTURA Y SERV. BASICOS 24 103 25,826 n/a n/a 251 0.00% 7.73

CRÉDITO EDUCATIVO 10 105 128,449 1,108 1,369 1,223 0.00% 7.73

NGO´S 44,255 20,879,662 745 972 472 3.60%

AKIBA Staff Loans 36 498 2,740,980 n/a 7,060 5,504 6.66% 1,637.09

EB-ACCION GHANA Ex-Staff Loan 18 17 33,093 n/a 2,348 1,947 52.04% 2.84

Renegotiated Loans 36 252,937 n/a 6,673 7,026 0.00% 2.84

AFRICA AND ASIA #REF! 551 3,027,010 n/a 5,360 5,494 6.6%

19 255,119 410,364,146 4,194 8,823 1,609 4.0%

OTHER PRODUCTS-OTROS PRODUCTOS


NGO´S-ONG´S

AFRICA-ASIA

TOTAL OTHER PRODUCTS


BANCO ADEMI Total Productos 183,760 251,976,234 1,153 1,363 1,371 4.32% 43.04

FINSOL Total Productos 9,373 39,838,512 3,905 3,265 4,250 5.61% 20.75

REGULATED INSTITUTIONS 193,133 291,814,746 2,529 2,314 1,510.95 4.50%

FUNDACION PARAGUAYA Total Productos 59,217 24,430,696 n/a 2,347 413 3.32% 4,439.00

NGO´S 59,217 24,430,696 n/a 2,347 413 3.32%

252,350 316,245,442 2,529 2,325 1,253 4.2%

NGO´S-ONG´S

TOTAL NOT DETAILED

INSTITUTIONS WHICH DID NOT REPORT DETAIL BY PRODUCT AS OF MARCH 2014-IMF´S QUE NO REPORTAN DETALLE


Reporte Productos de Crédito 0314

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