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Report by Product: Accion Network and Partners TOTAL BY THE END OF JUNE, 2013: PRODUCT

Active Borrowers

Group Loans

%

ACTIVE CLIENTS

6.593.053 Active Portfolio (000's)

%

ACTIVE PORTFOLIO

7.392.638 PAR >30 *

PAR >30

4,50% Average Loan Size **

Average Loan Balance **

655,499

9.9%

283,967,197

3.8%

4.9%

489

433

1,174,635

17.8%

2,778,296,211

37.6%

4.9%

4,240

2,365

570,483

8.7%

1,081,765,301

14.6%

8.0%

4,141

1,896

Commercial Loans (SME)

30,317

0.5%

130,610,736

1.8%

10.8%

17,334

12,534

Housing

54,783

0.8%

259,148,829

3.5%

5.3%

4,856

4,730

Fixed Assets

41,893

0.6%

304,739,801

4.1%

7.2%

5,808

7,274

Village Banking

1,702,901

25.8%

854,639,762

11.6%

3.1%

1,600

502

Other Products

493,835

7.5%

382,975,165

5.2%

6.0%

776

776

1,868,707

28.3%

1,316,494,855

17.8%

1.3%

1,683

704

7,392,637,856 100%

4.50%

990

1,121

Individual Loans (Working Loan) Consumer Loans

Not detailed

TOTAL

6,593,053 100.0%

* Portfolio at Risk includes: Total balance of loans past-due > 30 días normal portfolio + total balance of refinanced portfolio >30 days + total balance of portfolio in legal recovery. * *Values in USD (Real Amount)

RANKING* GROUP LOANS/SOLIDARIOS

RANKING* INDIVIDUAL LOANS/INDIVIDUAL

RANKING* CONSUMER LOANS/CONSUMO

1. Banco Compartamos- México

1. BancoSol-Bolivia

1. Banco Solidario- Ecuador

2. Swadhaar- India

2. El Comercio- Paraguay

2. Mibanco - Peru

3. Saija- India

3. Banco Compartamos- Mexico

3. El Comercio- Paraguay

4. Bangente- Venezuela

4. Banco Pichincha- Ecuador

4. Banco Pichincha - Ecuador

5. CrediConfía- México

5. Banco Solidario- Ecuador

5. Finamerica- Colombia

RANKING* SME LOANS/PYME

RANKING* HOUSING LOANS/VIVIENDA

RANKING* VILLAGE BANKING/BANCA COMUNAL

1. Mibanco- Peru

1. BancoSol- Bolivia

1. Banco Compartamos- México

2. Bandelta- Panama

2. Génesis Empresarial- Guatemala

2. Banco Pichincha - Ecuador

3. Finamerica- Colombia

3. Mibanco- Peru

3. Génesis Empresarial- Guatemala

4. Genesis Empresarial- Guatemala

4. Banco Popular- Honduras

4. CrediConfía- Mexico

5. El Comercio- Paraguay

5. FMSD- Colombia

HIGHLIGHTS

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

Some institutions launched consumer loans products during second quarter: Banco Solidario due to merger with Unibanco and finally Banco Pichincha. This inclusion caused an additional growth in consumer loans participation passing from 3,7% over total in March to 8.7% in June. Village Banking loans continue decreasing in term of clients going from more than 2,093,533 to 1,702,000 due that Crédito Mujer product from Banco Compartamos decreased in 385,000 clients.

Individual Loans keep leadership in terms of Loan Portfolio. It is important to highlight that volume increased in consumer loans portfolio during second quarter also as volume decreased in Village Banking loans. PAR>30 related to Individual and Consumer loans went from 3.9% to 4.9% and from 5.8% to 8% respectivately. Fixed Assets and Housing Loans reflected highest percentages within regulated institutions while Consumer and SME Loans showed the lowest rates within the same group.


Report By Product

JUNE 2013/ JUNIO 2013

Reporte Por Producto

TOTAL REGULATED INSTITUTIONS/INSTITUCIONES REGULADAS ACTIVE CLIENTS/CLIENTES ACTIVOS

PRODUCT/PRODUCTO

GROUP LOANS/SOLIDARIOS INDIVIDUAL CONSUMER LOANS/CONSUMO PYME HOUSING/VIVIENDA FIXED ASSETS/ACTIVOS FIJOS VILLAGE BANKING/BANCA COMUNAL OTHER PRODUCTS/OTROS NOT DETAILED/SIN DETALLE

TOTAL REGULATED/REGULADAS

LOAN PORTFOLIO US$/ CARTERA ACTIVA

%

AVERAGE FIRST LOANS (US$)/MONTO PRIMARIO DESEMBOLSADO

%

AVERAGE LOAN DISBURSED (US$)/MONTO PROMEDIO DESEMBOLSADO

8.4% 17.5% 9.3% 0.5% 0.6% 0.7% 27.7% 7.2% 28.1%

255,998,031 2,671,281,484 1,075,327,590 117,408,545 237,013,767 301,621,799 839,148,366 355,381,830 1,182,667,900

3.6% 38.0% 15.3% 1.7% 3.4% 4.3% 11.9% 5.1% 16.8%

1,388 3,253 4,128 27,939 2,284 6,460 n/a 9,267 1,775

1,544 3,452 3,986 23,041 6,816 7,583 n/a 12,342 1,943

505 2,534 1,912 4,109 5,748 5,018 503 813 699

4.1% 4.9% 5.8% 0.7% 6.1% 6.1% 3.2% 5.8% 1.0%

6,029,449

100.0%

7,035,849,312

100.0%

961

988

1,167

4.53%

ACTIVE CLIENTS/CLIENTES ACTIVOS

LOAN PORTFOLIO US$/ CARTERA ACTIVA

INDIVIDUAL

GROUP LOANS/SOLIDARIOS

INDIVIDUAL

CONSUMER LOANS/CONSUMO

PYME

CONSUMER LOANS/CONSUMO

PYME

HOUSING/VIVIENDA

FIXED ASSETS/ACTIVOS FIJOS

HOUSING/VIVIENDA

FIXED ASSETS/ACTIVOS FIJOS

VILLAGE BANKING/BANCA COMUNAL

OTHER PRODUCTS/OTROS

VILLAGE BANKING/BANCA COMUNAL

OTHER PRODUCTS/OTROS

PAR>30 DAYS/CARTERA AFECTADA>30 DIAS

8%

5.0%

0.0% GROUP LOANS/SOLIDARIOS INDIVIDUAL CONSUMER LOANS/CONSUMO PYME HOUSING/VIVIENDA FIXED ASSETS/ACTIVOS FIJOS VILLAGE BANKING/BANCA COMUNAL OTHER PRODUCTS/OTROS NOT DETAILED/SIN DETALLE

38%

12% 0%

28%

1%

4% 3% 2%

1%

1.0%

0.7%

5%

9%

5.8%

4.1%

3.2%

4%

17% 18%

6.1% 6.1%

5.8% 4.9%

NOT DETAILED/SIN DETALLE

NOT DETAILED/SIN DETALLE

7%

PAR>30 DAYS/CARTERA AFECTADA>30 DIAS

506,808 1,054,211 562,375 28,575 37,852 41,441 1,668,121 436,948 1,693,118

GROUP LOANS/SOLIDARIOS

28%

AVERAGE LOAN BALANCE (US$)/SALDO PROMEDIO

15%

TOTAL SERVICE COMPANIES/COMPAテ選AS DE SERVICIO ACTIVE CLIENTS/CLIENTES ACTIVOS

PRODUCT/PRODUCTO

INDIVIDUAL CONSUMER LOANS/CONSUMO HOUSING OTHER PRODUCTS/OTROS NOT DETAILED/SIN DETALLE

TOTAL SERVICE COMPANIES

ACTIVE CLIENTS/CLIENTES ACTIVOS

LOAN PORTFOLIO US$/ CARTERA ACTIVA

%

15,714 5,021 87 5,619 120,216

10.7% 3.4% 0.1% 3.8% 82.0%

146,657

100.0%

AVERAGE FIRST LOANS (US$)/MONTO PRIMARIO DESEMBOLSADO

%

14,665,004 1,318,871 123,593 1,910,773 110,203,557

11.4% 1.0% 0.10% 1.5% 85.9%

309 211 1,365 335 934

128,221,797

100.0%

778

INDIVIDUAL

CONSUMER LOANS/CONSUMO

HOUSING

OTHER PRODUCTS/OTROS

HOUSING

OTHER PRODUCTS/OTROS

NOT DETAILED/SIN DETALLE

0%

11%

4%

PAR>30 DAYS/CARTERA VENCIDA>30 DIAS

933 263 1,421 340 917

9.7% 1.1% 10.33% 19.4% 3.8%

874

4.52%

1,070

25.0%

0% 2%

19.4%

20.0% 15.0%

NOT DETAILED/SIN DETALLE

1%

AVERAGE LOAN BALANCE (US$)/SALDO PROMEDIO

PAR>30 DAYS/CARTERA VENCIDA>30 DIAS

CONSUMER LOANS/CONSUMO

3%

1,058 381 2,442 575 1,123

LOAN PORTFOLIO US$/ CARTERA ACTIVA

INDIVIDUAL

11%

AVERAGE LOAN DISBURSED (US$)/MONTO PROMEDIO DESEMBOLSADO

10.0%

5.0%

10.33%

9.7% 1.1%

0.0% INDIVIDUAL CONSUMER LOANS/CONSUMO HOUSING

82%

86%

OTHER PRODUCTS/OTROS NOT DETAILED/SIN DETALLE

3.8%


Report By Product

JUNE 2013/ JUNIO 2013

Reporte Por Producto

TOTAL NGO´S/ONG´S ACTIVE CLIENTS/CLIENTES ACTIVOS

PRODUCT/PRODUCTO

INDIVIDUAL LOANS PYME HOUSING/VIVIENDA VILLAGE BANKING/BANCA COMUNAL OTHER PRODUCTS/OTROS NOT DETAILED/SIN DETALLE

TOTAL NGO´S/ONG´S

LOAN PORTFOLIO US$/ CARTERA ACTIVA

%

AVERAGE FIRST LOANS (US$)/MONTO PRIMARIO DESEMBOLSADO

%

AVERAGE LOAN DISBURSED (US$)/MONTO PROMEDIO DESEMBOLSADO

59,610 1,302 16,597 34,780 50,761 55,370

27.3% 0.6% 7.6% 15.9% 23.2% 25.4%

30,068,695 3,725,810 21,584,147 15,491,395 22,908,459 23,623,398

25.6% 3.2% 18.4% 13.2% 19.5% 20.1%

627 3,403 3,010 263 426 966

1,170 3,826 2,385 2,557 1,540 1,126

218,420

100.0%

117,401,904

100.0%

337

1,220

ACTIVE CLIENTS/CLIENTES ACTIVOS

LOAN PORTFOLIO US$/ CARTERA ACTIVA 10.0%

INDIVIDUAL LOANS

PYME

INDIVIDUAL LOANS

PYME

HOUSING/VIVIENDA

VILLAGE BANKING/BANCA COMUNAL

HOUSING/VIVIENDA

VILLAGE BANKING/BANCA COMUNAL

8.0%

OTHER PRODUCTS/OTROS

NOT DETAILED/SIN DETALLE

OTHER PRODUCTS/OTROS

NOT DETAILED/SIN DETALLE

6.0%

4.0% 25%

20%

27%

PAR>30 DAYS/CARTERA VENCIDA>30 DIAS

504 2,862 1,300 445 451 427

2.8% 0.9% 7.5% 1.0% 9.3% 2.3%

538

2.56%

PAR>30 DAYS/CARTERA VENCIDA>30 DIAS 9.3% 7.5%

2.8%

2.0%

26%

AVERAGE LOAN BALANCE (US$)/SALDO PROMEDIO

2.3% 1.0%

0.9%

0.0% INDIVIDUAL LOANS

8%

1%

3%

20%

23%

PYME HOUSING/VIVIENDA

18% 16%

VILLAGE BANKING/BANCA COMUNAL

13%

OTHER PRODUCTS/OTROS NOT DETAILED/SIN DETALLE

TOTAL AFRICA-ASIA ACTIVE CLIENTS/CLIENTES ACTIVOS

PRODUCT/PRODUCTO

GROUP LOANS/SOLIDARIOS INDIVIDUAL LOANS CONSUMER LOANS/CONSUMO PYME HOUSING/VIVIENDA FIXED ASSETS/ACTIVOS FIJOS OTHER PRODUCTS/OTROS

TOTAL AFRICA-ASIA

0%

0%

2%

ACTIVE CLIENTS/CLIENTES ACTIVOS

LOAN PORTFOLIO US$/ CARTERA ACTIVA

%

148,691 45,100 3,087 440 247 452 507

74.9% 22.7% 1.6% 0.2% 0.1% 0.2% 0.3%

198,524

100.0%

%

AVERAGE FIRST LOANS (US$)/MONTO PRIMARIO DESEMBOLSADO

27,969,166 62,281,028 5,118,840 9,476,381 427,323 3,118,002 2,774,103

25.2% 56.0% 4.6% 8.5% 0.4% 2.8% 2.5%

254 7,413 5,795 n/a n/a 7,599 n/a

111,164,843

100.0%

702

0%

INDIVIDUAL LOANS

GROUP LOANS/SOLIDARIOS

INDIVIDUAL LOANS

CONSUMER LOANS/CONSUMO

PYME

CONSUMER LOANS/CONSUMO

PYME

HOUSING/VIVIENDA

FIXED ASSETS/ACTIVOS FIJOS

FIXED ASSETS/ACTIVOS FIJOS

2%

0% 3%

OTHER PRODUCTS/OTROS

267 6,747 5,302 76,833 447 6,473 2,982

10.0%

9%

25%

188 1,381 1,658 21,537 1,730 6,898 5,472

2.3% 4.5% 6.7% 5.2% 2.5% 3.6% 1.3%

560

4.59%

PAR>30 DAYS/CARTERA VENCIDA>30 DIAS 9.3%

5.0%

2.8%

2.3%

0.9%

23%

PAR>30 DAYS/CARTERA VENCIDA>30 DIAS

7.5%

OTHER PRODUCTS/OTROS

0% 5%

AVERAGE LOAN BALANCE (US$)/SALDO PROMEDIO

853

LOAN PORTFOLIO US$/ CARTERA ACTIVA

GROUP LOANS/SOLIDARIOS

HOUSING/VIVIENDA

AVERAGE LOAN DISBURSED (US$)/MONTO PROMEDIO DESEMBOLSADO

1.0%

0.0% INDIVIDUAL LOANS PYME HOUSING/VIVIENDA

75%

VILLAGE BANKING/BANCA COMUNAL

56%

OTHER PRODUCTS/OTROS NOT DETAILED/SIN DETALLE


Report By Product

JUNE 2013/ JUNIO 2013

Reporte Por Producto

TOTAL INSTITUTIONS/INSTITUCIONES PRODUCT/PRODUCTO

ACTIVE CLIENTS/CLIENTES ACTIVOS

TERM (MONTHS)

LOAN PORTFOLIO US$/ CARTERA ACTIVA

%

AVERAGE FIRST LOANS (US$)/MONTO PRIMARIO DESEMBOLSADO

%

AVERAGE LOAN BALANCE (US$)/SALDO PROMEDIO

AVERAGE LOAN DISBURSED (US$)/MONTO PROMEDIO DESEMBOLSADO

PAR>30 DAYS/CARTERA VENCIDA>30 DIAS

655,499

9.9%

283,967,197

3.8%

507

489

433

4.9%

17

1,174,635

17.8%

2,778,296,211

37.6%

4,132

4,240

2,365

4.9%

CONSUMER LOANS/CONSUMO

24

570,483

8.7%

1,081,765,301

14.6%

4,104

4,141

1,896

8.0%

PYME

46

30,317

0.5%

130,610,736

1.8%

16,384

17,334

12,534

10.8%

HOUSING/VIVIENDA

74

54,783

0.8%

259,148,829

3.5%

5,645

4,856

4,730

5.3%

FIXED ASSETS/ACTIVOS FIJOS

15

41,893

0.6%

304,739,801

4.1%

7,798

5,808

7,274

7.2%

6

1,702,901

25.8%

854,639,762

11.6%

263

1,600

502

3.1%

17

493,835

7.5%

382,975,165

5.2%

4,118

776

776

6.0%

n/a

1,868,707

28.3%

1,316,494,855

17.8%

1,413

1,683

704

1.3%

6,593,053

100.0%

7,392,637,856

100.0%

931

990

1,121

4.50%

•1. Banco Compartamos (México) •2. Banco Pichincha (Ecuador) •3. Génesis Emp. (Guatemala) •4. CrediConfía (México)

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

ACTIVE CLIENTS/CLIENTES ACTIVOS

3,000 2,500

14.0%

12.0%

2,000

10% CONSUMER LOANS/CONSUMO

1,500

4.9%

INDIVIDUAL LOANS

10.0%

5.3%

GROUP LOANS/SOLIDARIOS

8.0%

6.0%

1,000 1,316 1.3%

•1. BancoSol (Bolivia) •2. Génesis Emp. (Guatemala) •3. Mibanco (Peru) •4. Banco Popular (Honduras) •5. FMSD (Colombia)

4.9%

•1. Mibanco (Peru) •2. Bandelta (Panama) •3. Finamerica (Colombia) •4. Génesis Emp. (Guatemala) •5. El Comercio (Paraguay)

OTHER PRODUCTS/OTROS

RANKING VILLAGE BANKING/BANCA C.

6.0%

RANKING HOUSING LOANS/VIVIENDA

Millions

RANKING SME LOANS/PYME

GROUP LOANS/SOLIDARIOS

•1. Banco Solidario (Ecuador) •2. Mibanco (Peru) •3. El Comercio (Paraguay) •4. Banco Pichincha (Ecuador) •5. Finamerica (Colombia)

3.1%

•1. BancoSol (Bolivia) •2. El Comercio (Paraguay) •3. Banco Compartamos (Mexico) •4. Banco Pichincha (Ecuador) •5. Banco Solidario (Ecuador)

FIXED ASSETS/ACTIVOS FIJOS

•1. Banco Compartamos (Mexico) •2. Swadhaar (India) •3. Saija (India) •4. Bangente (Venezuela) •5. CrediConfía (Mexico)

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

7.2%

RANKING CONSUMER LOANS/CONSUMO

HOUSING/VIVIENDA

RANKING INDIVIDUAL LOANS/INDIVIDUAL

PYME

RANKING* GROUP LOANS /SOLIDARIOS

10.8%

TOTAL INSTITUTIONS/INSTITUCIONES

CONSUMER LOANS/CONSUMO

NOT DETAILED/SIN DETALLE

8.0%

OTHER PRODUCTS/OTROS

INDIVIDUAL LOANS

VILLAGE BANKING/BANCA COMUNAL

NOT DETAILED/SIN DETALLE

11

INDIVIDUAL LOANS

VILLAGE BANKING/BANCA COMUNAL

GROUP LOANS/SOLIDARIOS

383

855

305

131

HOUSING/VIVIENDA

1,082

2,778

500

284

PYME

18%

259

28%

4.0% 2.0%

0

0.0%

FIXED ASSETS/ACTIVOS FIJOS

INDIVIDUAL LOANS

4% CONSUMER LOANS/CONSUMO

18%

PYME

5%

38%

FIXED ASSETS/ACTIVOS FIJOS

11%

VILLAGE BANKING/BANCA COMUNAL OTHER PRODUCTS/OTROS

4% 3%

HOUSING/VIVIENDA

20,000 18,000 16,000 14,000 12,000 10,000 8,000 6,000 4,000 2,000 0

OTHER PRODUCTS/OTROS

GROUP LOANS/SOLIDARIOS

HOUSING/VIVIENDA

NOT DETAILED/SIN DETALLE

FIXED ASSETS/ACTIVOS FIJOS

AMOUNT DISBURSED VS TERM/MONTO DESEMBOLSADO VS PLAZO

1% LOAN PORTFOLIO US$/ CARTERA ACTIVA

PAR>30 DAYS/CARTERA VENCIDA>30 DIAS

PYME

1%

CONSUMER LOANS/CONSUMO

0%

INDIVIDUAL LOANS

26%

LOAN PORTFOLIO US$/ CARTERA ACTIVA

VILLAGE BANKING/BANCA COMUNAL OTHER PRODUCTS/OTROS

VILLAGE BANKING/BANCA COMUNAL

9%

GROUP LOANS/SOLIDARIOS

7%

74

46

489

11

17 4,240

24 4,141

17,334

4,856

15 5,808

17 1,600 6

776

15% 2%

NOT DETAILED/SIN DETALLE

AVERAGE LOAN DISBURSED (US$)/MONTO PROMEDIO DESEMBOLSADO

TERM (MONTHS)

80 70 60 50 40 30 20 10 0


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