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