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Report by Product: Accion Network and Partners ACTIVE CLIENTS

TOTAL BY THE END OF DECEMBER, PRODUCT

Active Borrowers

Group Loans

%

ACTIVE PORTFOLIO

6.010.074 Active Portfolio (000's)

PAR >30

3,31%

7.083.182

%

PAR >30 *

Average Loan Size **

Average Loan Balance **

559.541

9,3%

248.954.155

3,5%

3,3%

687

445

1.056.740

17,6%

2.814.215.629

39,7%

3,4%

3.718

2.663

217.104

3,6%

817.047.438

11,5%

5,4%

3.560

3.763

Commercial Loans (SME)

54.406

0,9%

259.340.112

3,7%

10,8%

17.334

12.534

Housing

33.015

0,5%

148.764.051

2,1%

3,3%

4.930

4.506

Fixed Assets

39.674

0,7%

294.919.788

4,2%

3,2%

4.235

7.434

Village Banking

2.129.448

35,4%

788.373.691

11,1%

2,3%

1.459

400

Other Products

236.229

3,9%

494.176.690

7,0%

3,0%

9.243

2.092

1.683.917

28,0%

1.217.390.803

17,2%

7,6%

2.237

723

7.083.182.357 100%

3,31%

953

1.179

Individual Loans (Working Loan) Consumer Loans

Not detailed

TOTAL

6.010.074 100,0%

Active Loan Portfolio in Individual loans keeps their participation of 40% over grand total and this is because of the significant growth from this product type coming from regulated institutions based in Latin America.

LOAN PORTFOLIO US$/ CARTERA ACTIVA

6.0%

3.0%

4.0% 1,217

494

2.3% 788

295

3.3% 149

3.2%

8.0%

259

0

817

500

10.0%

2.0% 0.0%

AFRICA AND ASIA

7.6%

12.0%

5.4%

1,500 1,000

NOT DETAILED/SIN DETALLE

OTHER PRODUCTS/OTROS

VILLAGE BANKING/BANCA COMUNAL

FIXED ASSETS/ACTIVOS FIJOS

HOUSING/VIVIENDA

PYME

CONSUMER LOANS/CONSUMO

INDIVIDUAL LOANS

GROUP LOANS/SOLIDARIOS

10.8%

14.0%

2,000

3.4%

Average loan size reflects values lower than average loan balance in some cases. This happens because some clients have more than 2 active loans and when we calculate both indicators, we´re using number of loans for average loan size and clients for balance.

2,500

2,814

Average loan balance keeps low level in Group and Village banking loans. There is a trend to grow up coming from individual and consumer loans.

3,000

3.3%

Total Active borrowers grew up to 17% compared to 2011 due to significant growth reflected in group and pyme loans over 40%. It is important to reflect the importance of the inclusion from PYME product of Banco Pichichna into the database. Notably parity in the PAR>30 ratio between products. except for non detailed products and SME loan . This last concentrates its arrears within a small proportion of borrowers and its active portfolio represents 4.2%%.

249

LATIN AMERICA

Crédito Mujer from Banco Compartamos is the most important Village banking product in terms of active borrowers representing 93% of this type and it represents 80% of its loans operations..

Millions

* 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)

Group loans modality occupies the most important participation in terms of clients due in great part to Swahit loan from Swadhaar. Furthermore, AFMB and Akiba lead the ranking of clients from Individual Loans in the region. Consumer product offered by Akiba is the most important in the list in terms of Borrowers. On the other hand, SMEs , Housing and fixed assets loans focus a very low value regarding Borrowers. Group and Individual loans continue leading the list. Consumer Loans not only keeps the highest amount of Borrowers but it also concentrates the highest PAR>30 level related to this product type., It is important to highlight the low PAR level which Saija keeps in their products. The average loan balance is quite high for SME loan in the region and is due to AMFB and Akiba products .On the other hand, the lowest level is coming from group loans in the region. The highest average amounts are handled in invididual loans. These amounts are the highest for this type of product This is because of the incidence of average amounts given for working capital loans in AMC China. The largest loan portfolio in the modality of group loans is reflected in Swadhaar´s Swahit product. However in terms of the proportion, individual credit products lead the participstion due to AMFB and Akiba´s individual 1 loans.


Report By Product

DICIEMBRE 2012/DECEMBER 2012

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 Active Clients

LOAN PORTFOLIO US$/ CARTERA ACTIVA

%

3%

16%

17%

12%

3.4% 40.2% 12.0% 3.7% 1.9% 4.4% 11.5% 7.0% 16.0%

1,346 3,771 4,326 77,799 2,284 6,460 n/a 25,868 1,787

1,717 3,575 4,317 28,142 7,426 7,583 n/a 14,176 2,726

520 2,904 3,872 4,683 5,748 5,018 369 130,849 2,153

2.5% 3.4% 4.6% 5.8% 6.1% 6.1% 2.3% 3.0% 1.9%

5,460,848

100.0%

6,720,751,555

100.0%

1,045

947

1,231

3.29%

5.8%

6.0%

2% 4% 4%

3%

40%

4.0%

3.4%

1.9%

2.0%

VILLAGE BANKING/BANCA COMUNAL

0.0%

OTHER PRODUCTS/OTROS

GROUP LOANS/SOLIDARIOS CONSUMER LOANS/CONSUMO HOUSING/VIVIENDA VILLAGE BANKING/BANCA COMUNAL NOT DETAILED/SIN DETALLE

NOT DETAILED/SIN DETALLE

38%

3.0%

2.3%

FIXED ASSETS/ACTIVOS FIJOS

0% 1%

12%

PAR>30

6.1%

2.5%

HOUSING/VIVIENDA 4% 1%

6.1%

4.6%

PYME Loan Portfolio

PAR>30 DAYS/CARTERA AFECTADA>30 DIAS

225,516,093 2,701,094,937 809,668,263 248,045,375 126,981,531 293,183,134 769,692,825 467,990,804 1,078,578,592

CONSUMER LOANS/CONSUMO

7%

AVERAGE LOAN BALANCE (US$)/SALDO PROMEDIO

7.9% 17.0% 3.8% 1.0% 0.3% 0.7% 38.2% 3.3% 27.7%

INDIVIDUAL

28%

AVERAGE LOAN DISBURSED (US$)/MONTO PROMEDIO DESEMBOLSADO

434,022 930,149 209,084 52,971 16,660 39,429 2,086,091 180,702 1,511,740

GROUP LOANS/SOLIDARIOS

8%

AVERAGE FIRST LOANS (US$)/MONTO PRIMARIO DESEMBOLSADO

%

INDIVIDUAL PYME FIXED ASSETS/ACTIVOS FIJOS OTHER PRODUCTS/OTROS

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

%

LOAN PORTFOLIO US$/ CARTERA ACTIVA

AVERAGE FIRST LOANS (US$)/MONTO PRIMARIO DESEMBOLSADO

%

17,450 4,658 89 6,150 118,232

11.9% 3.2% 0.1% 4.2% 80.7%

16,296,281 1,466,789 141,054 1,881,261 115,508,197

12.0% 1.1% 0.10% 1.4% 85.4%

1,376 388 2,288 393 914

2,111 408 2,593 313 1,202

146,579

100.0%

135,293,581

100.0%

709

1,122

14.0%

Active Clients

12%

12% 1% 0%

INDIVIDUAL 3% 0% 2% 4%

AVERAGE LOAN DISBURSED (US$)/MONTO PROMEDIO DESEMBOLSADO

1,592 315 1,585 306 977

8.7% 0.8% 13.12% 0.0% 4.3%

923

4.80%

13.12%

PAR>30

8.7%

8.0% 6.0%

Loan Portfolio

85% 81%

HOUSING

OTHER PRODUCTS/OTROS

4.3%

4.0% 2.0%

0.8%

0.0%

0.0% NOT DETAILED/SIN DETALLE

PAR>30 DAYS/CARTERA AFECTADA>30 DIAS

12.0% 10.0%

CONSUMER LOANS/CONSUMO

AVERAGE LOAN BALANCE (US$)/SALDO PROMEDIO

INDIVIDUAL

CONSUMER LOANS/CONSUMO

OTHER PRODUCTS/OTROS

NOT DETAILED/SIN DETALLE

HOUSING


Report By Product

DICIEMBRE 2012/DECEMBER 2012

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

65,169 1,301 16,034 43,357 48,886 53,945

28.5% 0.6% 7.0% 19.0% 21.4% 23.6%

37,255,852 4,037,865 21,196,659 18,680,866 21,606,546 23,304,014

29.5% 3.2% 16.8% 14.8% 17.1% 18.5%

651 1,424 4,303 269 463 n/a

1,211 2,288 3,532 2,347 969 1,805

228,692

100.0%

126,081,802

100.0%

333

1,176

2.5%

AVERAGE LOAN BALANCE (US$)/SALDO PROMEDIO

PAR>30 DAYS/CARTERA AFECTADA>30 DIAS

364 3,104 575 431 290 432

2.3% 1.1% 0.8% 0.4% 0.8% 2.1%

551

1.98% PAR>30

2.3%

2.1%

Active Clients

24%

28% 18%

GROUP LOANS/SOLIDARIOS

2.0%

INDIVIDUAL

1.5%

CONSUMER LOANS/CONSUMO

1.0%

PYME

0.5%

HOUSING/VIVIENDA

0.0%

1.1%

30% 17%

Loan Portfolio

3% 17%

15%

21%

1%

7%

FIXED ASSETS/ACTIVOS FIJOS

19%

0.8%

0.8% 0.4%

INDIVIDUAL LOANS

PYME

HOUSING/VIVIENDA

VILLAGE BANKING/BANCA COMUNAL

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 FIXED ASSETS/ACTIVOS FIJOS OTHER PRODUCTS/OTROS

TOTAL AFRICA-ASIA

Active Clients

%

LOAN PORTFOLIO US$/ CARTERA ACTIVA

%

AVERAGE FIRST LOANS (US$)/MONTO PRIMARIO DESEMBOLSADO

AVERAGE LOAN DISBURSED (US$)/MONTO PROMEDIO DESEMBOLSADO

125,519 43,972 3,362 134 232 245 491

72.2% 25.3% 1.9% 0.1% 0.1% 0.1% 0.3%

23,438,062 59,568,559 5,912,386 7,256,872 444,808 1,736,654 2,698,079

23.2% 58.9% 5.9% 7.2% 0.4% 1.7% 2.7%

365 5,287 5,028 n/a n/a 8,369 n/a

328 5,189 4,081 80,837 2,576 4,619 3,529

173,955

100.0%

101,055,420

100.0%

616

958

0%

14.0%

1% 0% 2%

12.0%

GROUP LOANS/SOLIDARIOS

AVERAGE LOAN BALANCE (US$)/SALDO PROMEDIO

PAR>30 DAYS/CARTERA AFECTADA>30 DIAS

187 1,355 1,759 54,156 1,917 3,979 3,763

1.8% 4.6% 13.3% 6.9% 2.3% 1.0% 3.2%

581

4.50%

13.3%

PAR>30

10.0% 0%2% 3% 7%

25%

6%

INDIVIDUAL 23%

CONSUMER LOANS/CONSUMO

8.0%

6.9%

6.0%

4.6%

4.0% PYME

Loan Portfolio

HOUSING/VIVIENDA

59% 72%

FIXED ASSETS/ACTIVOS FIJOS VILLAGE BANKING/BANCA COMUNAL

2.0%

1.8%

3.2%

2.3% 1.0%

0.0% GROUP LOANS/SOLIDARIOS

INDIVIDUAL LOANS

CONSUMER LOANS/CONSUMO

PYME

HOUSING

FIXED ASSETS/ACTIVOS FIJOS

OTHER PRODUCTS/OTROS


Report By Product

DICIEMBRE 2012/DECEMBER 2012

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 AFECTADA>30 DIAS

GROUP LOANS/SOLIDARIOS

12

559,541

9.3%

248,954,155

3.5%

623

687

445

3.3%

INDIVIDUAL LOANS

18

1,056,740

17.6%

2,814,215,629

39.7%

3,629

3,718

2,663

3.4%

CONSUMER LOANS/CONSUMO

24

217,104

3.6%

817,047,438

11.5%

4,014

3,560

3,763

5.4%

PYME

47

54,406

0.9%

259,340,112

3.7%

16,384

17,334

12,534

10.8%

HOUSING/VIVIENDA

75

33,015

0.5%

148,764,051

2.1%

5,533

4,930

4,506

3.3%

FIXED ASSETS/ACTIVOS FIJOS

15

39,674

0.7%

294,919,788

4.2%

6,386

4,235

7,434

3.2%

6

2,129,448

35.4%

788,373,691

11.1%

269

1,459

400

2.3%

24

236,229

3.9%

494,176,690

7.0%

14,359

9,243

2,092

3.0%

n/a

1,683,917

28.0%

1,217,390,803

17.2%

1,569

2,237

723

7.6%

6,010,074

100.0%

7,083,182,357

100.0%

1,000

953

1,179

3.31%

VILLAGE BANKING/BANCA COMUNAL OTHER PRODUCTS/OTROS NOT DETAILED/SIN DETALLE

Millions

TOTAL INSTITUTIONS/INSTITUCIONES

GROUP LOANS/SOLIDARIOS

INDIVIDUAL LOANS

CONSUMER LOANS/CONSUMO

PYME

HOUSING/VIVIENDA

FIXED ASSETS/ACTIVOS FIJOS

VILLAGE BANKING/BANCA COMUNAL

OTHER PRODUCTS/OTROS

NOT DETAILED/SIN DETALLE

3,000 10.8%

14.0% 2,500

12.0%

8.0%

6.0% 3.0%

2.3%

3.2%

3.3%

3.3%

3.4%

5.4%

1,500

1,000

10.0%

7.6%

2,000

4.0% 2.0%

1,217

494

788

295

149

259

817

249

2,814

500

0

0.0%

18%

PYME

7%

40%

Loan Portfolio

11% 4%

4% 2% 4% 12%

HOUSING/VIVIENDA 1% 4% 1% 0%

FIXED ASSETS/ACTIVOS FIJOS VILLAGE BANKING/BANCA COMUNAL OTHER PRODUCTS/OTROS

35%

NOT DETAILED/SIN DETALLE

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

NOT DETAILED/SIN DETALLE

OTHER PRODUCTS/OTROS

VILLAGE BANKING/BANCA COMUNAL

FIXED ASSETS/ACTIVOS FIJOS

CONSUMER LOANS/CONSUMO

HOUSING/VIVIENDA

17%

3%

PYME

INDIVIDUAL

28%

CONSUMER LOANS/CONSUMO

GROUP LOANS/SOLIDARIOS

9%

INDIVIDUAL LOANS

Active Clients

PAR>30 DAYS/CARTERA AFECTADA>30 DIAS GROUP LOANS/SOLIDARIOS

LOAN PORTFOLIO US$/ CARTERA ACTIVA

75

47

687

12

18 3,718

24

24 15 3,560

17,334

4,930

4,235

1,4596

AVERAGE LOAN DISBURSED (US$)/MONTO PROMEDIO DESEMBOLSADO

9,243

2,237 0

TERM (MONTHS)

80 70 60 50 40 30 20 10 0


Report By Product

DECEMBER 2012/ DICIEMBRE 2012

Reporte Por Producto

GROUP LOANS/GRUPOS SOLIDARIOS TERM (MONTHS)

AVERAGE FIRST LOAN (US$)

AVERAGE LOAN DISBURSED (US$)

AVERAGE LOAN BALANCE (US$)

EXCHANGE RATE

INSTITUTION

PRODUCT

BANCO COMPARTAMOS

CRÉDITO COMERCIANTE

5

376,520

134,122,075

n/a

n/a

356

3.68%

12.97

BANCO POPULAR

Solidario CT

8

1

125

n/a

n/a

125

100.00%

19.96

BANGENTE

Mancomunados

9

34,612

84,361,366

3,098

3,617

2,437

0.81%

4.30

CREDICONFIA

SOLIDARIO

5

16,512

5,189,860

382

556

314

12.78%

12.97

FINANCIERA FAMA

GRUPAL Microcrédito

25

5,195

930,254

938

1,517

1,005

4.15%

24.13

INTEGRAL

Consumo (S)

32

903

793,984

1,084

916

1,783

9.08%

1.00

Solidarios

5

126

51,007

201

1,094

400

2.94%

1.00

ACCION SOLIDARIO

8

153

67,421

618

700

441

19.46%

2.04

434,022

225,516,093

1,346

1,717

520

2.5%

n/a

436

287

2.61%

95

1.00%

1.90

273

172

2.26%

54.78

ACTIVE CLIENTS

LOAN PORTFOLIO US$

PAR>30 DAYS

REGULATED INSTITUTIONS-INSTITUCIONES REGULADAS

SCM AMAZONAS

REGULATED INSTITUTIONS

AFRICA AND ASIA

AKIBA

Solidarity Loans

9

10,255

2,947,905

EB-ACCION GHANA

Group - Loans

7

307

29,240

SWADHAAR FINSERVE

Swahit Loan (GL)

24

86,389

14,857,603

GL - Top up Loan

12

681

449,517

n/a

81

660

0.69%

54.78

SKR-Monthly

12

16

10,080

662

662

630

0.00%

54.78

SMR-Weekly

11

13

564

n/a

n/a

43

100.00%

54.78

SKR-(New)

11

1,670

368,012

285

316

220

0.05%

54.78

SMR-(New)

11

12,315

1,846,277

205

211

150

0.00%

54.78

SKR-(Fortnightly)

13

1,445

503,247

419

419

348

0.00%

54.78

SMR-(Fornightly)

13

9,280

1,793,595

257

257

193

0.00%

54.78

SMR-(Monthly)

12

40

8,927

338

338

223

0.00%

54.78

6

3,108

623,096

286

200

2.02%

497.16

SAIJA

EAMF CAMEROON

AFRICA AND ASIA TOTAL GROUP LOANS

CREDITS SOLIDAIRE MULTIPLES

12

125,519 559,541

23,438,062 248,954,155

n/a 231

224

n/a

365

328

187

623

687

445

1.83% 3.27%

1,595.50


Report By Product

DECEMBER 2012/ DICIEMBRE 2012

Reporte Por Producto

INDIVIDUAL LOANS-CREDITOS INDIVIDUALES INSTITUTION

PRODUCT

BANCO COMPARTAMOS

CRÉDITO CRECE TU NEGOCIO

TERM (MONTHS)

ACTIVE CLIENTS

LOAN PORTFOLIO US$

AVERAGE FIRST LOAN (US$)

AVERAGE LOAN DISBURSED (US$)

AVERAGE LOAN BALANCE (US$)

PAR>30 DAYS

EXCHANGE RATE

REGULATED INSTITUTIONS 12

104,502

111,369,912

n/a

n/a

1,066

3.05%

12.97

2

1,215

12,263,030

n/a

n/a

10,093

3.77%

12.97

Capital de Trabajo

21

5,631

6,991,061

1,349

1,419

1,242

3.38%

1.00

Autómovil Micro

65

5,942

63,277,061

15,976

14,341

10,649

1.70%

1.00

BANCO SOLIDARIO

Microempresa

28

81,895

265,684,937

2,965

3,621

3,244

2.44%

1.00

BANCOSOL

Sol Individual

33

110,481

434,997,259

3,630

4,107

3,937

0.83%

6.86

Sol Crecer

19

9,328

7,364,330

1,038

1,081

789

1.87%

6.86

Sol DPF

23

355

1,042,029

2,647

2,912

2,935

0.33%

6.86

Sol Agropecuario

30

28,838

111,240,036

3,317

3,888

3,857

0.00%

6.86

Sol Agropecuario

36

1,067

5,922,984

5,313

5,562

5,551

0.00%

6.86

Solidarios(Consumo)

47

15,059

20,584,385

n/a

n/a

1,367

18.18%

19.96

Individual AF

23

2,554

5,424,017

n/a

n/a

2,124

5.95%

19.96

Individual Cruzado

43

14

11,989

n/a

n/a

856

86.30%

19.96

CRÉDITO ADICIONAL BANDELTA

BANCO POPULAR

BANGENTE

Individuales

9

15,087

96,894,998

11,878

7,403

6,422

0.55%

4.30

CREDICONFIA

INDIVIDUAL

6

1,504

2,160,508

1,651

1,987

1,437

4.87%

12.97

FINANCIERA FAMA

INDIVIDUAL microcrédito

22

32,807

20,416,827

611

788

622

2.26%

24.13

FINAMERICA

Microempresa

22

79,666

231,605,540

2,918

3,281

2,907

8.34%

1,768.23

FINANCIERA EL COMERCIO

Microempresas Urbanas*

12

12,111

12,931,606

n/a

2,311

1,068

8.11%

4,224.00

Microempresa Rural

12

45,323

70,330,489

n/a

2,006

1,552

3.83%

4,224.00

INTEGRAL

Microcredito Individual

25

25,776

37,984,026

n/a

n/a

n/a

6.29%

1.00

MIBANCO

Capital de Trabajo

16

208,046

653,625,951

2,306

3,220

3,142

5.68%

2.55

SCM AMAZONAS

ACCIOn GIRO Facil

12

1,476

1,204,653

974

1,140

816

4.34%

2.04

ACCION ATIVO

24

213

220,818

1,132

1,387

1,037

5.88%

2.04

CREDIFE

21

141,259

527,546,490

2,633

3,902

3,735

1.88%

1.00

930,149

2,701,094,937

3,771

3,575

2,904

3.45%

BANCO PICHINCHA

REGULATED INSTITUTIONS

SERVICE COMPANIES/COMPAÑÍAS DE SERVICIO SOGESOL

FONDS DE ROULEMENT

8

4,741

14,373,871

2,557

3,999

3,032

7.11%

42.55

CASH RAPID

8

12,709

1,922,409

196

223

151

20.84%

42.55

17,450

16,296,281

1,376

2,111

1,592

8.73%

SERVICE COMPANIES

NGO´S-ONG'S

FMSD

Microempresas

24

4,617

4,797,242

873

1,291

192

8.22%

1,768.23

GENESIS EMPRESARIAL

MICROEMPRESA

13

60,552

32,458,610

429

1,130

536

1.43%

7.90

65,169

37,255,852

651

1,211

364

2.30%

NGO'S

AFRICA-ASIA AKIBA

Biashara Loans (individual)

9

12,894

28,523,025

n/a

3,082

2,212

3.83%

1,595.50

AMFB

MICRO BUSINESS (MCB)

6

14,409

12,145,528

1,086

1,445

843

4.28%

155.27

EB-ACCION GHANA

Nkosuo - working capital

6

3,837

1,673,171

457

534

436

2.13%

1.90

Adwuma pa - Working Capital

8

4,183

3,900,021

1,503

1,576

932

9.08%

1.90

Micro - working capital

8

300

1,230,250

7,333

6,745

4,101

5.03%

1.90

SME - Working Capital

11

161

1,476,203

15,118

15,036

9,169

6.58%

1.90

8

2,212

375,106

444

170

34.92%

54.78

SWADHAAR FINSERVE

Swayog Loan (IL) BL - Top up Loan

ACCION MICROFINANCE CHINA

EAMF CAMEROON

8

2,591

810,468

442

486

313

0.85%

54.78

Working Capital Loan-Urban

n/a

456

4,195,523

11,948

13,330

9,201

5.36%

6.29

Working Capital Loan-Rural

n/a

342

2,261,667

7,461

9,354

6,613

3.15%

6.29

Agric Loan

n/a

84

478,611

7,084

8,135

5,698

0.00%

6.29

6

254

1,136,405

5,027

6,400

4,474

6.28%

497.16 497.16

CRD PETITES ENTREPRISE EQUIP FONDS DE ROULEMENT

AFRICA AND ASIA TOTAL INDIVIDUAL

n/a

6

2,249

1,362,582

701

884

606

3.87%

18

43,972

59,568,559

5,287

5,189

1,355

4.57%

3,629

3,718

2,663

1,056,740 2,814,215,629

3.41%


Report By Product

DECEMBER 2012/ DICIEMBRE 2012

Reporte Por Producto

CONSUMER LOANS-CREDITOS DE CONSUMO TERM (MONTHS)

AVERAGE FIRST LOAN (US$)

AVERAGE LOAN DISBURSED (US$)

AVERAGE LOAN BALANCE (US$)

EXCHANGE RATE

INSTITUTION

PRODUCT

BANCO SOLIDARIO

Olla de Oro

22

56,983

72,814,821

1,141

1,013

1,278

11.58%

BANCOSOL

Sol de Oro

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Sol Efectivo

31

18,867

62,614,386

3,262

3,789

3,319

0.23%

6.86 6.86

ACTIVE CLIENTS

LOAN PORTFOLIO US$

PAR>30 DAYS

REGULATED INSTITUTIONS-INSTITUCIONES REGULADAS 1.00

Sol Vehículo

56

110

1,318,257

13,815

14,382

11,984

0.00%

BANDELTA

Consumo

21

147

149,548

1,132

1,115

1,017

0.53%

1.00

BANCO POPULAR

Consumo

47

167

348,428

5,613

2,072

2,086

18.18%

19.96

FINANCIERA FAMA

INDIVIDUAL consumo

18

3,700

2,900,983

873

1,027

784

1.70%

24.13

MIBANCO

Bien Mueble

28

40,541

265,756,548

5,092

7,368

6,555

5.34%

2.55

Línea de Crédito

_

39,554

336,597,592

10,951

10,824

8,510

4.35%

2.55

Tarjeta de Crédito

_

5,142

2,537,821

1,583

1,270

494

9.38%

2.55

10.11%

1,768.23

FINAMERICA

Consumo

16

8,799

37,933,945

2,871

312

4,311

FINANCIERA EL COMERCIO

Préstamos Personales

16

4,910

10,631,906

1,256

1,238

2,165

8.78%

4,224.00

Tarjeta de Créditos

12

11

10,912

n/a

n/a

992

100.00%

4,224.00

Préstamos Personales Rural

12

18,042

11,629,598

n/a

1,021

645

5.61%

4,224.00

Tarjeta de Créditos Rural

12

12,111

4,423,518

n/a

365

13.72%

4,224.00

209,084

809,668,263

4,326

3,872

4.63%

REGULATED INSTITUTIONS

n/a

4,317

SERVICE COMPANIES-COMPAÑIAS DE SERVICIOS SOGESOL

PRETS AUX SALARIES

12

SERVICE COMPANIES

4,658

1,466,789

388

408

315

0.80%

4,658

1,466,789

388

408

315

0.80%

42.55

AFRICA-ASIA AKIBA

Consumer Loans

36

3,108

5,049,911

n/a

2,658

1,625

15.59%

EB-ACCION GHANA

Staff Loan

36

165

690,045

6,550

5,072

4,182

0.00%

1.90

EAMF CAMEROON

CREDIT AVERE

6

12

30,694

3,506

4,513

2,558

0.00%

497.16

ACCION MICROFINANCE CHINA

Salary Loans

6.29

AFRICA AND ASIA TOTAL CONSUMER LOANS

n/a

77

141,736

2,172

2,438

1,841

0.00%

24

3,362

5,912,386

5,028

4,081

1,759

13.3%

4,014

3,560

3,763

5.4%

217,104

817,047,438

1,595.05


Report By Product

DECEMBER 2012/ DICIEMBRE 2012

Reporte Por Producto

HOUSING LOANS-CREDITOS DE VIVIENDA INSTITUTION

PRODUCT

BANCO POPULAR

Vivienda

TERM (MONTHS)

ACTIVE CLIENTS

LOAN PORTFOLIO US$

AVERAGE FIRST LOAN

AVERAGE LOAN DISBURSED

AVERAGE LOAN BALANCE

EXCHANGE RATE

PAR>30 DAYS

REGULATED INSTITUTIONS-INSTITUCIONES REGULADAS Vivienda Fideicomisos

174

983

12,218,787

12,430

5.94%

19.96

42

19

3,292

6,913 n/a

6,128 n/a

173

100.00%

19.96

115

554

5,280,399

11,242

11,242

9,531

14.72%

1.00

BANCO SOLIDARIO

Vivienda Popular

INTEGRAL

Vivienda Comunitaria

95

161

150,026

n/a

n/a

932

14.72%

1.00

MIBANCO

Personal para Empleados

32

783

3,035,206

4,148

4,908

3,876

0.56%

2.55

171

223

2,541,835

n/a

n/a

11,398

5.73%

2.55

33

13,937

103,751,987

n/a

n/a

7,444

2.99%

2.55

16,660

126,981,531

7,622

3.17%

Mivivienda Vivienda

REGULATED INSTITUTIONS

7,435

7,426

SERVICE COMPANIES SOGESOL

KREDI KAY

12

SERVICE COMPANIES

89

141,054

2,288

2,593

1,585

13.12%

89

141,054

2,288

2,593

1,585

13.12%

42.55

NGO´S-ONG´S FMSD

VIVIENDA

120

636

3,580,670

7,233

5,510

5

18.98%

1,768.23

GENESIS EMPRESARIAL

VIVIENDA

30

15,398

17,615,989

1,373

1,555

1,144

1.00%

7.90

16,034

21,196,659

4,303

3,532

575

0.84%

NGO´S

AFRICA AND ASIA AKIBA

Home Improvement Loans

AFRICA AND ASIA TOTAL HOUSING

6

232

444,808

n/a

2,576

1,917

2.33%

75

232

444,808

n/a

2,576

1,917

2.33%

4,930

4,506

33,015

148,764,051

5,533

1,595.05

3.30%

FIXED ASSETS-ACTIVOS FIJOS TERM (MONTHS)

AVERAGE FIRST LOAN

AVERAGE LOAN DISBURSED

AVERAGE LOAN BALANCE

EXCHANGE RATE

INSTITUTION

PRODUCT

BANDELTA

Activo Fijo

27

1,472

2,410,934

1,970

1,928

1,638

1.08%

1.00

MIBANCO

Bien Inmueble

30

37,957

290,772,200

6,835

8,490

7,661

3.28%

2.55

39,429

293,183,134

4,402

5,209

7,436

3.26%

4,737

ACTIVE CLIENTS

LOAN PORTFOLIO US$

PAR>30 DAYS

REGULATED INSTITUTIONS-INSTITUCIONES REGULADAS

REGULATED INSTITUTIONS

AFRICA-ASIA AMFB

Fixed Assets

9

17

47,844

5,491

2,814

21.27%

155.27

EB-ACCION GHANA

Nkosuo - Fixed Assets

6

2

1,254

n/a

816

627

5.30%

1.90

Adwuma pa - Fixed Assets

10

14

22,807

n/a

684

594

0.00%

1.90

Micro - Fixed Assets

13

11

55,383

n/a

5,035

0.00%

1.90

SME - Fixed Assets

21

150

1,578,986

12,002

11,344

10,527

0.40%

1.90

6

51

30,379

792

889

596

0.30%

497.16 n/a

EAMF CAMEROON

MICROCREDIT EQUIPEMENT PETIT CREDIT EQUIPEMENT

AFRICA AND ASIA TOTAL FIXED ASSETS

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

15

245

1,736,654

8,369

4,619

3,979

0.96%

6,386

4,235

7,434

39,674

294,919,788

3.24%


Report By Product

DECEMBER 2012/ DICIEMBRE 2012

Reporte Por Producto

PYME-COMMERCIAL LOANS TERM (MONTHS)

AVERAGE FIRST LOAN

AVERAGE LOAN DISBURSED

AVERAGE LOAN BALANCE

EXCHANGE RATE

INSTITUTION

PRODUCT

BANDELTA

Sobregiro

n/a

1

17

n/a

n/a

17

0.00%

1.00

BANDELTA

Factoring

3

59

3,690,531

43,458

9,075

62,551

15.24%

1.00

BANDELTA

Automovil No Micro

74

2,690

31,406,960

13,145

12,391

11,675

1.04%

1.00

BANDELTA

Préstamo Personal

97

559

3,748,032

9,854

8,667

6,705

9.71%

1.00

BANDELTA

Préstamo Garantizado

64

79

1,441,052

138,110

16,683

18,241

5.14%

1.00

BANDELTA

Préstamo Comercial

64

9

1,012,191

372,423

134,634

112,466

-

1.00

BANDELTA

Préstamo Hipotecario

183

1

23,379

n/a

23,379

23,379

-

1.00

BANCO POPULAR

Pequeña Empresa CT

34

178

1,812,924

n/a

13,217

10,185

5.52%

19.96

Pequeña Empresa AF

46

149

1,410,456

n/a

14,368

9,466

4.26%

19.96

Mediana Empresa CT

55

64

1,895,400

n/a

39,202

29,616

7.23%

19.96

Mediana Empresa AF

65

67

2,438,802

n/a

51,135

36,400

4.22%

19.96

BANCO PICHINCHA

MIPES

28

15,493

100,757,528

n/a

11,154

6,503

5.21%

1.00

BANCO SOLIDARIO

Comercial/Dolares

45

183

2,583,343

n/a

14,117

74.38%

1.00

FINANCIERA FAMA

INDIVIDUAL comercial/PYME

43

192

1,646,630

n/a

11,599

8,576

3.46%

24.13

FINANCIERA EL COMERCIO

Pymes Urbano

10

94

5,551,442

62,195

45,321

59,058

8.59%

4,224.00

Pymes Rural

10

329

11,400,225

35,496

24,178

34,651

6.03%

4,224.00

FINAMERICA

Comercial/PYME

38

1,499

30,420,673

24,670

7,130

20,294

5.21%

1,768.23

INTEGRAL

Pequeña Empresa/vivienda individual

71

3,878

25,269,696

n/a

n/a

6,516

6.44%

1.00

MIBANCO

Personal

15

27,447

21,536,096

838

n/a

785

4.29%

2.55

52,971

248,045,375

77,799

28,142

4,683

5.81%

ACTIVE CLIENTS

LOAN PORTFOLIO US$

PAR>30 DAYS

REGULATED INSTITUTIONS-INSTITUCIONES REGULADAS

REGULATED INSTITUTIONS

9,593

NGO´S-ONG´S GENESIS EMPRESARIAL

PEQUEÑA EMPRESA

25

NGO´S

1,301

4,037,865

1,424

2,288

3,104

1.14%

1,301

4,037,865

1,424

2,288

3,104

1.14%

7.90

AFRICA-ASIA AKIBA

Corporate loans

12

84

3,958,787

n/a

78,964

47,128

10.15%

1,595.05

ACCION MICROFINANCE CHINA

SME

n/a

16

2,044,309

147,606

174,051

127,769

0.00%

6.29

Small Business Loans

n/a

30

1,232,710

62,175

64,902

41,090

8.01%

6.29

6

4

21,066

6,034

5,431

5,267

0.00%

497.16

80,837

54,156

37,388

4,767

EAMF CAMEROON

CRD PETITES ENTREPRISE EQUIP

AFRICA AND ASIA TOTAL PYME

47

134 54,406

7,256,872 259,340,112

n/a 75,950

6.90% 5.77%

VILLAGE BANKING-BANCA COMUNAL TERM (MONTHS)

AVERAGE FIRST LOAN (US$)

AVERAGE LOAN DISBURSED

AVERAGE LOAN BALANCE

EXCHANGE RATE

INSTITUTION

PRODUCT

BANCO PICHINCHA

BANCA COMUNAL

n/a

91,022

52,482,821

n/a

794

577

3.03%

1.00

BANCO COMPARTAMOS

CRÉDITO MUJER

4

1,988,939

716,037,576

n/a

n/a

360

2.25%

12.97

CREDICONFIA

COMUNAL

4

14.32%

12.97

ACTIVE CLIENTS

LOAN PORTFOLIO US$

PAR>30 DAYS

REGULATED INSTITUTIONS-INSTITUCIONES REGULADAS

REGULATED INSTITUTIONS

6,130

2,086,091

1,172,429

769,692,825

302

n/a

350

572

191

369

2.32%

NGO´S-ONG´S GENESIS EMPRESARIAL

BANCOMUNALES

NGO´S TOTAL VILLAGE BANKING

11

43,357

18,680,866

269

2,347

431

0.42%

6

43,357

18,680,866

269

2,347

431

0.42%

269

1,459

400

2,129,448

788,373,691

2.28%

7.90


Report By Product

DECEMBER 2012/ DICIEMBRE 2012

Reporte Por Producto

OTHER PRODUCTS-OTROS PRODUCTOS TERM (MONTHS)

AVERAGE FIRST LOAN

AVERAGE LOAN DISBURSED

AVERAGE LOAN BALANCE

EXCHANGE RATE

INSTITUTION

PRODUCT

BANCO COMPARTAMOS

CRÉDITO MEJORA TU CASA

12

23,852

174,381,835

n/a

n/a

7,311

3.77%

BANCOSOL

Sol Vivienda

43

24,162

113,805,090

4,710

5,255

4,710

0.6%

6.86

BANCO POPULAR

Crédito Agropecuario

47

111

132,670

n/a

1,195

3.73%

19.96

ACTIVE CLIENTS

LOAN PORTFOLIO US$

PAR>30 DAYS

REGULATED INSTITUTIONS-INSTITUCIONES REGULADAS

n/a

12.97

Micro Vivienda

33

1,304

3,463,170

n/a

n/a

2,656

7.17%

19.96

CREDICONFIA

EMPLEADOS

12

78

197,336

1,212

2,108

2,530

0.04%

12.97

FINANCIERA FAMA

INDIVIDUAL vivienda Mejoramiento

31

155

395,861

n/a

4,235

2,554

7.04%

24.13

MIBANCO

Proyecto Especial

56

3,137

49,199,025

35,981

37,412

15,683

0.07%

2.55

Descuento de Documentos

n/a

6

8,173,518

n/a

1,089

1,362,253

0.00%

2.55

Leasing

n/a

1,297

51,350,783

62,353

62,103

39,592

6.28%

2.55

10

126,479

66,851,490

428

707

529

4.26%

2.55

6

121

40,025

429

498

331

1.70%

2.04

180,702

467,990,804

25,868

14,176

130,849

3.0%

Rural SCM AMAZONAS

VENTA POR CATALOGO

REGULATED INSTITUTIONS

SERVICE COMPANIES-COMPAÑIAS DE SERVICIO SOGESOL

PRETS AGRICOLES

n/a

SERVICE COMPANIES

6,150

1,881,261

393

313

306

0.00%

6,150

1,881,261

393

313

306

0.0%

42.55

NGO´S-ONG´S GENESIS EMPRESARIAL

AGROPECUARIO

11

48,781

21,575,959

356

525

442

0.78%

7.90

CISEC - INFRAESTRUCTURA Y SERV. BASICOS

29

104

30,207

569

2,002

290

0.00%

7.90

6

1

380

n/a

380

380

0.00%

7.90

48,886

21,606,546

463

969

290

0.78%

CRÉDITO EDUCATIVO

NGO´S

AFRICA-ASIA AKIBA

Staff Loans

36

482

2,680,402

EB-ACCION GHANA

Ex-Staff Loan

12

9

17,677

24

491

2,698,079

AFRICA AND ASIA TOTAL OTHER PRODUCTS

236,229

494,176,690

n/a n/a

n/a 14,359

n/a

5,561

3.18%

1,595.05

3,529

1,964

9.74%

1.90

3,529

3,763

3.2%

9,243

2,092

3.0%


Report By Product

DECEMBER 2012/ DICIEMBRE 2012

Reporte Por Producto

INSTITUTIONS WHICH DID NOT REPORT DETAIL BY PRODUCT AS OF DECEMBER 2012-IMF´S QUE NO REPORTAN DETALLE TERM (MONTHS)

AVERAGE FIRST LOAN (US$)

AVERAGE LOAN DISBURSED (US$)

AVERAGE LOAN BALANCE (US$)

EXCHANGE RATE

INSTITUTION

PRODUCT

BANCO ADEMI

Total Productos

142,329

230,059,968

1,640

3,881

1,616

4.21%

CREDIAMIGO

Total Productos

1,360,170

809,254,662

463

771

595

1.18%

2.04

FINSOL

Total Productos

9,241

39,263,962

3,257

3,525

4,249

2.97%

19.96

1,511,740

1,078,578,592

1,787

2,726

2,153

1.89%

ACTIVE CLIENTS

LOAN PORTFOLIO US$

PAR>30 DAYS

REGULATED INSTITUTIONS-INSTITUCIONES REGULADAS

REGULATED INSTITUTIONS

40.28

SERVICE COMPANIES-COMPAÑIAS DE SERVICIO SANTANDER MICROCREDITO

Total Productos

SERVICE COMPANIES

118,232

115,508,197

914

1,202

977

4.30%

118,232

115,508,197

914

1,202

977

4.30%

2.04

NGO´S-ONG´S FUNDACION PARAGUAYA

NGO´S TOTAL NOT DETAILED

Total Productos

53,945

23,304,014

n/a

1,805

432

2.09%

53,945

23,304,014

n/a

1,805

432

2.09%

2,237

723

7.6%

1,683,917 1,217,390,803

1,569

4,224.00


Reportbyproduct2012-detailMFI