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BNF Banco Nacional de Fomento

INFORME GERENCIAL Datos Semidefinitivos

Abril de 2011

Gerencia de Riesgos Departamento de Estudios e Investigaciones www.bnf.fin.ec email:bnfestudios@bnf.fin.ec Quito-Ecuador


Abril de cada año Miles de dólares Crédito Original y Renovado 250,000

Crédito Total 250,000 200,000

200,000 150,000

150,000 100,000

100,000 50,000

50,000

0

total

2008 114,254

2009 136,580

2010 237,554

2011 168,279

Original

2008

2009

2010

2011

111,276

128,801

227,036

156,871

2,978

7,778

10,518

11,407

Renovado

CRÉDITO ORIGINAL POR ZONALES Loja Sto. Domingo 16% 8%

Portoviejo 12%

Cuenca 5%

Guayaquil 14%

Machala 4%

Riobamba 15% Puyo 16%

Quito 10%

CRÉDITO ORIGINAL POR DESTINO

80,000 60,000 , 40,000 20,000 0 Cul. Agr.

Pecuario

P. I. A.

Comercio

Consumo

Otros

2010

39,627

59,868

16,344

79,716

12,761

18,721

2011

30,889

43,042

7,149

50,814

12,589

12,389

CREDITO ORIGINAL POR LINEAS

CREDITO ORIGINAL POR MESES 2010

2011

90,000 80,000

120,000

70,000

100 000 100,000

60,000

80,000

50,000 40,000 30,000

60,000 40,000 20,000

20,000 10,000 10 000 0

0

2010 Microcred

Plan 555

2011 Des.Hum.

F.Propios


Banco Nacional de Fomento

Gerencia de Riesgos

4

COMPARACION DEL CREDITO POR REGIONES A ABRIL DE CADA AÑO valores en dólares

2010 REGION

NUMERO

2011

VALOR

NUMERO

VALOR

VARIACION NUMERO

VALOR

%

CREDITO ORIGINAL SIERRA

    33,959     66,624,603

    12,948     55,730,807

        (21,011)     (10,893,796)

‐16.4%

COSTA E INS.

    82,657   126,635,723

    21,243     72,865,935

        (61,414)     (53,769,788)

‐42.5%

AMAZONIA

    19,173     33,775,881

       4,797     28,274,591

        (14,376)       (5,501,290)

‐16.3%

NACIONAL

  135,789   227,036,207

    38,988   156,871,333

        (96,801)     (70,164,874)

‐30.9%

CREDITO RENOVADO SIERRA

          369        1,603,944

          252        1,225,893

             (117)          (378,051)

‐23.6%

COSTA E INS.

       2,391        8,704,119

       2,381     10,042,398

                (10)        1,338,279

15.4%

AMAZONIA

            70           209,533

            34           138,981

                (36)             (70,552)

‐33.7%

NACIONAL

       2,830     10,517,596

       2,667     11,407,272

             (163)            889,676

8.5%

CREDITO TOTAL SIERRA

    34,328     68,228,547

    13,200     56,956,700

        (21,128)     (11,271,847)

‐16.5%

COSTA E INS.

    85,048   135,339,842

    23,624     82,908,333

        (61,424)     (52,431,509)

‐38.7%

AMAZONIA

    19,243     33,985,414

       4,831     28,413,572

        (14,412)       (5,571,842)

‐16.4%

NACIONAL

  138,619   237,553,803

    41,655   168,278,605

        (96,964)     (69,275,198)

‐29.2%

FUENTE Y ELABORACION: Departamento de Estudios e Investigaciones


Banco Nacional de Fomento

Gerencia de Riesgos

5

CREDITO ORIGINAL, RENOVADO Y TOTAL POR SUCURSALES Y ZONALES A ABRIL DE  2011 valores en dólares SUCURSALES  Y ZONALES

ORIGINAL NUMERO VALOR

QUITO TULCAN SAN GABRIEL EL ANGEL IBARRA OTAVALO CAYAMBE MACHACHI LOS BANCOS ZONAL QUITO RIOBAMBA ALAUSI CHUNCHI AMBATO LATACUNGA EL CORAZON LA MANA GUARANDA ZONAL RIOBAMBA CUENCA CAÑAR AZOGUES GUALACEO PAUTE GIRON LA TRONCAL ZONAL CUENCA LOJA GONZANAMA CARIAMANGA MACARA ZAPOTILLO ALAMOR CELICA CATACOCHA ZAMORA ZUMBA ZONAL LOJA SANTO DOMINGO ESMERALDAS MUISNE QUININDE BABAHOYO QUEVEDO VENTANAS VINCES CATARAMA ZONAL STO. DOMINGO PORTOVIEJO MANTA BAHIA CHONE EL CARMEN JIPIJAPA CALCETA PEDERNALES ZONAL PORTOVIEJO GUAYAQUIL PEDRO CARBO DAULE BALZAR MILAGRO EL TRIUNFO EL EMPALME NARANJAL SANTA ELENA PTO. BAQUERIZO ZONAL GUAYAQUIL MACHALA SANTA ROSA ARENILLAS PIÑAS ZARUMA ZONAL MACHALA PUYO TENA BAEZA ORELLANA LAGO AGRIO SHUSHUFINDI MACAS SUCUA MENDEZ LIMON INDANZA GUALAQUIZA ZONAL PUYO

                   775                    290                    329                    244                    347                    454                    269                    132                    214                 3,054                 1,709                    365                    266                    743                    823                    381                    532                 1,055                 5,874                    357                    201                    203                    304                    121                    144                    152                 1,482                    584                    158                    219                    367                    428                    168                    322                    292                    407                    254                 3,199                    846                    657                    621                    731                    848                    874                    466                    712                    390                 6,145                 1,149                    882                    460                    825                    313                    704                    953                    328                 5,614                 3,112                    467                    841                    649                    338                    390                    841                    360                    733                    116                 7,847                    539                    291                    388                    268                    151                 1,637                    647                    590                    268                    565                    670                    349                    368                    195                    101                    207                    176                 4,136

              3,286,625               1,440,677               2,340,002               1,365,992               1,317,678               2,143,799               1,007,668                   926,391               1,225,934             15,054,766               6,432,573               1,696,860               1,105,879               2,673,506               3,500,061               1,474,700               3,034,943               3,451,075             23,369,597               2,014,962               1,146,160               1,454,559               1,229,779                   737,770                   767,588                   657,055               8,007,873               2,397,939                   933,482                   948,600               1,194,466               1,080,627                   628,948                   956,680               1,157,829               2,299,623               1,510,109             13,108,303               4,428,479               3,189,825               2,423,870               3,992,329               2,957,118               2,943,794               1,490,572               2,355,412                   809,596             24,590,995               3,690,191               2,655,953               1,240,605               5,005,546               1,302,163               1,535,637               2,384,006               1,514,426             19,328,527               5,413,405                   937,391               2,561,356               2,068,106               1,978,546                   965,983               3,212,762               1,703,587               2,363,381               1,048,496             22,253,013               2,361,200               1,238,253               1,144,074               1,210,058                   739,815               6,693,400               4,852,223               2,994,244               1,601,395               2,223,369               2,702,253               2,583,441               2,277,548               1,497,281               1,021,329               1,400,258               1,311,518             24,464,859

SIERRA COSTA E INSULAR AMAZONIA NACIONAL

             12,948              21,243                 4,797              38,988

            55,730,807             72,865,935             28,274,591           156,871,333

FUENTE: Información de Sucursales ELABORACION: Departamento de Estudios e Investigaciones

RENOVADO NUMERO VALOR                    8                  26                    3                  23                    8                  10                  22                    5                    3                108                  10                    3

                 110,018                    78,699                    14,150                  228,761                    31,036                    46,826                    81,612                    54,497                    55,600                  701,199                    61,414                    14,345

                   5                    3                    5                  20                    1                  47                  11                    2

                   21,285                    44,608                      6,803                  129,723                      7,800                  285,978                    34,973                      3,486

                   7                    1                    1                    5                  27                    8

                     3,695                      3,479                         867                    20,394                    66,894                    30,589

                   8                  31                    2                  13                    8

                   36,331                    52,410                      8,971                    20,790                    22,731

                 70                  16                  16

                 171,822                    99,665                  112,488

                 39                  69                118                  70                105                  23                456                184                  97                  35                  19                  10                  54                  78                  39                516                344                174                344                100                  43                  24                  64                101                121                  32             1,347                  15                  23                  24

                 265,520                  492,116                  611,801                  216,158                  393,017                    82,407              2,273,172                  604,716                  249,494                    66,159                  115,712                    36,600                  101,791                  167,577                    57,826              1,399,875              1,657,088                  382,010              1,512,841                  635,660                  201,155                  218,162                  211,955                  308,212   ��              513,902                  412,366              6,053,351                  112,314                    95,869                  107,817

                 62                    3

                 316,000                    31,954

                   6                    7                    3

                   48,707                    33,190                      4,575

                 11

                   13,855

                   4

                     6,700

                 34                252             2,381                  34             2,667

NUMERO

TOTAL VALOR

                 138,981

                 783                  316                  332                  267                  355                  464                  291                  137                  217              3,162              1,719                  368                  266                  748                  826                  386                  552              1,056              5,921                  368                  203                  203                  311                  122                  145                  157              1,509                  592                  158                  219                  375                  459                  170                  335                  300                  407                  254              3,269                  862                  673                  621                  770                  917                  992                  536                  817                  413              6,601              1,333                  979                  495                  844                  323                  758              1,031                  367              6,130              3,456                  641              1,185                  749                  381                  414                  905                  461                  854                  148              9,194                  554                  314                  412                  268                  151              1,699                  650                  590                  274                  572                  673                  349                  379                  195                  101                  211                  176              4,170

                    3,396,643                     1,519,376                     2,354,152                     1,594,753                     1,348,714                     2,190,625                     1,089,280                         980,888                     1,281,534                   15,755,965                     6,493,987                     1,711,205                     1,105,879                     2,694,791                     3,544,669                     1,481,503                     3,164,666                     3,458,875                   23,655,575                     2,049,935                     1,149,646                     1,454,559                     1,233,474                         741,249                         768,455                         677,449                     8,074,767                     2,428,528                         933,482                         948,600                     1,230,797                     1,133,037                         637,919                         977,470                     1,180,560                     2,299,623                     1,510,109                   13,280,125                     4,528,144                     3,302,313                     2,423,870                     4,257,849                     3,449,234                     3,555,595                     1,706,730                     2,748,429                         892,003                   26,864,167                     4,294,907                     2,905,447                     1,306,764                     5,121,258                     1,338,763                     1,637,428                     2,551,583                     1,572,252                   20,728,402                     7,070,493                     1,319,401                     4,074,197                     2,703,766                     2,179,701                     1,184,145                     3,424,717                     2,011,799                     2,877,283                     1,460,862                   28,306,364                     2,473,514                     1,334,122                     1,251,891                     1,210,058                         739,815                     7,009,400                     4,884,177                     2,994,244                     1,650,102                     2,256,559                     2,706,828                     2,583,441                     2,291,403                     1,497,281                     1,021,329                     1,406,958                     1,311,518                   24,603,840

             1,225,893            10,042,398                  138,981            11,407,272

           13,200            23,624              4,831            41,655

                  56,956,700                   82,908,333                   28,413,572                 168,278,605


Banco Nacional de Fomento

Gerencia de Riesgos

6

CREDITO ORIGINAL POR MES SEGUN SUCURSALES Y ZONALES número de operaciones SUCURSALES y ZONALES

FEB.

QUITO TULCAN SAN GABRIEL EL ANGEL IBARRA OTAVALO CAYAMBE MACHACHI LOS BANCOS ZONAL QUITO RIOBAMBA ALAUSI CHUNCHI AMBATO LATACUNGA EL CORAZON LA MANA GUARANDA ZONAL RIOBAMBA CUENCA CAÑAR AZOGUES GUALACEO PAUTE GIRON LA TRONCAL ZONAL CUENCA LOJA GONZANAMA CARIAMANGA MACARA ZAPOTILLO ALAMOR CELICA CATACOCHA ZAMORA ZUMBA ZONAL LOJA SANTO DOMINGO ESMERALDAS MUISNE QUININDE BABAHOYO QUEVEDO VENTANAS VINCES CATARAMA ZONAL STO. DOMINGO PORTOVIEJO MANTA BAHIA CHONE EL CARMEN JIPIJAPA CALCETA PEDERNALES ZONAL POETOVIEJO GUAYAQUIL PEDRO CARBO DAULE BALZAR MILAGRO EL TRIUNFO EL EMPALME NARANJAL SANTA ELENA PTO. BAQUERIZO ZONAL GUAYAQUIL MACHALA SANTA ROSA ARENILLAS PIÑAS ZARUMA ZONAL MACHALA PUYO TENA BAEZA ORELLANA LAGO AGRIO SHUSHUFINDI MACAS SUCUA MENDEZ LIMON INDANZA GUALAQUIZA ZONAL PUYO

                          49                           25                           30                             7                           49                           24                           17                           13                           31                         245                         185                           34                           36                           85                         114                           59                           49                         176                         738                           36                           23                           22                           42                           16                             5                             6                         150                           72                           25                           34                           60                         120                           52                         101                           42                           53                           28                         587                           74                           23                           72                           81                         105                         153                         121                         252                           63                         944                         170                         103                           49                           88                           18                         120                         155                           29                         732                           73                           53                           53                         102                           31                           24                         207                           26                           40                           17                         626                           41                           22                           23                           46                           24                         156                           67                         105                           26                           36                           29                           91                           18                           36                           17                           36                           29                         490

                     193                        60                        97                        56                        72                      106                        44                        17                        53                      698                      332                      124                        69                      224                      223                        93                      129                      338                   1,532                        97                        67                        65                        84                        40                        54                        48                      455                      171                        41                        59                      131                      136                        49                      128                        78                      127                        65                      985                      247                      153                      176                      200                      242                      232                      130                      176                      112                   1,668                      253                      197                      125                      245                        69                      173                      295                        85                   1,442                      626                      132                      231                      207                        67                        98                      189                        79                      171                        26                   1,826                      117                      112                      141                        72                        60                      502                      244                      162                        83                      146                      164                        66                      107                        60                        23                        62                        61                   1,178

                      292                       106                       110                         87                       112                       152                       116                         52                         68                    1,095                       618                       115                         89                       256                       251                       134                       185                       304                    1,952                       108                         49                         49                         93                         35                         40                         50                       424                       165                         48                         68                         91                         86                         34                         52                         81                       125                         91                       841                       209                       248                       196                       238                       249                       217                       115                       153                       119                    1,744                       313                       212                       111                       229                       123                       172                       193                         97                    1,450                       964                       129                       270                       169                         94                       138                       212                       114                       205                         24                    2,319                       194                         82                       118                         81                         37                       512                       171                       174                         87                       191                       241                         95                       130                         51                         34                         58                         40                    1,272

                       241                          99                          92                          94                        114                        172                          92                          50                          62                    1,016                        574                          92                          72                        178                        235                          95                        169                        237                    1,652                        116                          62                          67                          85                          30                          45                          48                        453                        176                          44                          58                          85                          86                          33                          41                          91                        102                          70                        786                        316                        233                        177                        212                        252                        272                        100                        131                          96                    1,789                        413                        370                        175                        263                        103                        239                        310                        117                    1,990                    1,449                        153                        287                        171                        146                        130                        233                        141                        317                          49                    3,076                        187                          75                        106                          69                          30                        467                        165                        149                          72                        192                        236                          97                        113                          48                          27                          51                          46                    1,196

                              775                               290                               329                               244                               347                               454                               269                               132                               214                           3,054                           1,709                               365                               266                               743                               823                               381                               532                           1,055                           5,874                               357                               201                               203                               304                               121                               144                               152                           1,482                               584                               158                               219                               367                               428                               168                               322                               292                               407                               254                           3,199                               846                               657                               621                               731                               848                               874                               466                               712                               390                           6,145                           1,149                               882                               460                               825                               313                               704                               953                               328                           5,614                           3,112                               467                               841                               649                               338                               390                               841                               360                               733                               116                           7,847                               539                               291                               388                               268                               151                           1,637                               647                               590                               268                               565                               670                               349                               368                               195                               101                               207                               176                           4,136

SIERRA COSTA E INSULAR AMAZONIA NACIONAL

                    1,639                     2,458                         571                     4,668

          ��       3,478                   5,438                   1,370                10,286

                   4,096                    6,025                    1,488                 11,609

                   3,735                    7,322                    1,368                  12,425

                        12,948                         21,243                           4,797                         38,988

FUENTE: Información de Sucursales ELABORACION: Departamento de Estudios e Investigaciones

MAR.

ABR.

TOTAL  2011

ENE.


Banco Nacional de Fomento

Gerencia de Riesgos

7

CREDITO RENOVADO POR MES SEGUN SUCURSALES Y ZONALES número de operaciones SUCURSALES y ZONALES QUITO TULCAN SAN GABRIEL EL ANGEL IBARRA OTAVALO CAYAMBE MACHACHI LOS BANCOS ZONAL QUITO RIOBAMBA ALAUSI CHUNCHI AMBATO LATACUNGA EL CORAZON LA MANA GUARANDA ZONAL RIOBAMBA CUENCA CAÑAR AZOGUES GUALACEO PAUTE GIRON LA TRONCAL ZONAL CUENCA LOJA GONZANAMA CARIAMANGA MACARA ZAPOTILLO ALAMOR CELICA CATACOCHA ZAMORA ZUMBA ZONAL LOJA SANTO DOMINGO ESMERALDAS MUISNE QUININDE BABAHOYO QUEVEDO VENTANAS VINCES CATARAMA ZONAL STO. DOMINGO PORTOVIEJO MANTA BAHIA CHONE EL CARMEN JIPIJAPA CALCETA PEDERNALES ZONAL POETOVIEJO GUAYAQUIL PEDRO CARBO DAULE BALZAR MILAGRO EL TRIUNFO EL EMPALME NARANJAL SANTA ELENA PTO. BAQUERIZO ZONAL GUAYAQUIL MACHALA SANTA ROSA ARENILLAS PIÑAS ZARUMA ZONAL MACHALA PUYO TENA BAEZA ORELLANA LAGO AGRIO SHUSHUFINDI MACAS SUCUA MENDEZ LIMON INDANZA GUALAQUIZA ZONAL PUYO SIERRA COSTA E INSULAR AMAZONIA NACIONAL

ENE.

TOTAL  2011

FEB.

MAR.

ABR.

                        2                         7

                         2                          6

                        5                         3                         3                         3                         1                         1                       25                         4                         1

                                                                                                                            

                           2                         11                            1                            8                            2

                       33                          3                          1

                           1

                                                                                               

                                                                                                   

                           3                            2                            1

                      15                         2

                       18                          3                          1

                           2

                        2

                         2

                           5                            2

                                                                                               

                         1                          7                          2

                           3                            1                            1                            6

                        4                       17                          ‐                         3

                         13                            8                            4

                      27                         3                         7

                         7                          3                          3

                        23                                70                            2                                16                            2                                16

                           5                          10                          27                            8                          36                          11                        109                          42                          24                            6                            3                            2                          16                          10                          18                        121                          88                          51                          15                          24                            8                            4                          23                            4                          28                          12                        257                            2                            3                            6

                      10                       25                       42                       26                       24                         2                     139                       48                       26                         9                         2                         5                       13                       18                         8                     129                       81                       66                       61                       39                       13                         5                       11                       26                       31                         3                     336                         3                         6                         6

                       16                        18                        38                        18                        19                          9                      124                        62                        33                        10                          3                          2                        13                        27                          3                      153                      114                        17                      154                        21                          9                          7                        15                        42                        26                          9                      414                          7                        10                          4

                           8                         16                         11                         18                         26                            1                         84                         32                         14                         10                         11                            1                         12                         23                         10                       113                         61                         40                       114                         16                         13                            8                         15                         29                         36                            8                       340                            3                            4                            8

                         11                            2

                      15                         1

                       21

                        15                                62                                  3

                           3                            1                            1

                        1                         1                         1

                         2                          2                          1

                                 6                            3                                  7                                  3

                           2

                        3

                         2

                           4                                11

                           2                            2                            2                            3                            1                            2                            6                            1                          19                            1                            1

2 1 1 6

1 4 9 3

7 2 5 8 3

1 2 3 8

                         5

                        1

                           5                            1                            1                         31                            2

                                 8                                26                                  3                                23                                  8                                10                                22                                  5                                  3                              108                                10                                  3

                           1                                  5                                  3                            1                                  5                            6                                20                            1                                  1                         11                                47                            4                                11                                  2                            1                                  7                            1                                  1                                  1                                  5                       ��    6                                27                            1                                  8                            1                            8                            1                            4                            8

                                 8                                31                                  2                                13                                  8

                               39                                69                              118                                70                              105                                23                              456                              184                                97                                35                                19                                10                                54                                78                                39                              516                              344                              174                              344                              100                                43                                24                                64                              101                              121                                32                          1,347                                15                                23                                24

                           3                                  4

                           9

                        8

                         7

                        10                                34

                         40                        498                            9                        547

                      76                     619                         8                     703

                       65                      712                          7                      784

                        71                       552                         10                       633

FUENTE: Información de Sucursales ELABORACION: Departamento de Estudios e Investigaciones

                             252                          2,381                                34                          2,667


Banco Nacional de Fomento

Gerencia de Riesgos

8

CREDITO TOTAL POR MES SEGUN SUCURSALES Y ZONALES número de operaciones SUCURSALES y ZONALES

FEB.

QUITO TULCAN SAN GABRIEL EL ANGEL IBARRA OTAVALO CAYAMBE MACHACHI LOS BANCOS ZONAL QUITO RIOBAMBA ALAUSI CHUNCHI AMBATO LATACUNGA EL CORAZON LA MANA GUARANDA ZONAL RIOBAMBA CUENCA CAÑAR AZOGUES GUALACEO PAUTE GIRON LA TRONCAL ZONAL CUENCA LOJA GONZANAMA CARIAMANGA MACARA ZAPOTILLO ALAMOR CELICA CATACOCHA ZAMORA ZUMBA ZONAL LOJA SANTO DOMINGO ESMERALDAS MUISNE QUININDE BABAHOYO QUEVEDO VENTANAS VINCES CATARAMA ZONAL STO. DOMINGO PORTOVIEJO MANTA BAHIA CHONE EL CARMEN JIPIJAPA CALCETA PEDERNALES ZONAL POETOVIEJO GUAYAQUIL PEDRO CARBO DAULE BALZAR MILAGRO EL TRIUNFO EL EMPALME NARANJAL SANTA ELENA PTO. BAQUERIZO ZONAL GUAYAQUIL MACHALA SANTA ROSA ARENILLAS PIÑAS ZARUMA ZONAL MACHALA PUYO TENA BAEZA ORELLANA LAGO AGRIO SHUSHUFINDI MACAS SUCUA MENDEZ LIMON INDANZA GUALAQUIZA ZONAL PUYO

                         51                          27                          32                          10                          50                          26                          23                          13                          32                        264                        186                          35                          36                          86                        114                          59                          49                        176                        741                          38                          24                          22                          44                          16                             5                             6                        155                          74                          25                          34                          63                        121                          53                        107                          42                          53                          28                        600                          82                          27                          72                          86                        115                        180                        129                        288                          74                     1,053                        212                        127                          55                          91                          20                        136                        165                          47                        853                        161                        104                          68                        126                          39                          28                        230                          30                          68                          29                        883                          43                          25                          29                          46                          24                        167                          69                        105                          29                          37                          30                          91                          20                          36                          17                          36                          29                        499

                    195                        67                        97                        61                        75                     109                        47                        18                        54                     723                     336                     125                        69                     226                     224                        94                     135                     338                  1,547                        99                        67                        65                        86                        40                        55                        52                     464                     174                        41                        59                     135                     153                        49                     131                        78                     127                        65                  1,012                     250                     160                     176                     210                     267                     274                     156                     200                     114                  1,807                     301                     223                     134                     247                        74                     186                     313                        93                  1,571                     707                     198                     292                     246                        80                     103                     200                     105                     202                        29                  2,162                     120                     118                     147                        72                        60                     517                     245                     162                        84                     147                     165                        66                     110                        60                        23                        63                        61                  1,186

                     294                      112                      110                         94                      114                      157                      124                         55                         68                   1,128                      621                      116                         89                      257                      253                      137                      193                      304                   1,970                      111                         50                         49                         95                         35                         40                         51                      431                      167                         48                         68                         91                         91                         34                         52                         81                      125                         91                      848                      212                      251                      196                      254                      267                      255                      133                      172                      128                   1,868                      375                      245                      121                      232                      125                      185                      220                      100                   1,603                   1,078                      146                      424                   ��  190                      103                      145                      227                      156                      231                         33                   2,733                      201                         92                      122                         81                         37                      533                      171                      174                         89                      193                      242                         95                      132                         51                         34                         58                         40                   1,279

                      243                       110                         93                       102                       116                       172                         97                         51                         63                    1,047                       576                         92                         72                       179                       235                         96                       175                       238                    1,663                       120                         62                         67                         86                         31                         45                         48                       459                       177                         44                         58                         86                         94                         34                         45                         99                       102                         70                       809                       318                       235                       177                       220                       268                       283                       118                       157                         97                    1,873                       445                       384                       185                       274                       104                       251                       333                       127                    2,103                    1,510                       193                       401                       187                       159                       138                       248                       170                       353                         57                    3,416                       190                         79                       114                         69                         30                       482                       165                       149                         72                       195                       236                         97                       117                         48                         27                         54                         46                    1,206

                             783                              316                              332                              267                              355                              464                              291                              137                              217                           3,162                           1,719                              368                              266                              748                              826                              386                              552                           1,056                           5,921                              368                              203                              203                              311                              122                              145                              157                           1,509                              592                              158                              219                              375                              459                              170                              335                              300                              407                              254                           3,269                              862                              673                              621                              770                              917                              992                              536                              817                              413                           6,601                           1,333                              979                              495                              844                              323                              758                           1,031                              367                           6,130                           3,456                              641                           1,185                              749                              381                              414                              905                              461                              854                              148                           9,194                              554                              314                              412                              268                              151                           1,699                              650                              590                              274                              572                              673                              349                              379                              195                              101                              211                              176                           4,170

SIERRA COSTA E INSULAR AMAZONIA NACIONAL

                    1,679                     2,956                        580                     5,215

                 3,554                  6,057                  1,378                10,989

                  4,161                   6,737                   1,495                 12,393

                   3,806                    7,874                    1,378                  13,058

                       13,200                        23,624                           4,831                        41,655

FUENTE: Información de Sucursales ELABORACION: Departamento de Estudios e Investigaciones

MAR.

ABR.

TOTAL  2011

ENE.


Banco Nacional de Fomento

Gerencia de Riesgos

9

CREDITO ORIGINAL POR MES SEGUN SUCURSALES Y ZONALES en dólares SUCURSALES y ZONALES

TOTAL  2011

ENE.

FEB.

MAR.

ABR.

QUITO TULCAN SAN GABRIEL EL ANGEL IBARRA OTAVALO CAYAMBE MACHACHI LOS BANCOS ZONAL QUITO RIOBAMBA ALAUSI CHUNCHI AMBATO LATACUNGA EL CORAZON LA MANA GUARANDA ZONAL RIOBAMBA CUENCA CAÑAR AZOGUES GUALACEO PAUTE GIRON LA TRONCAL ZONAL CUENCA LOJA GONZANAMA CARIAMANGA MACARA ZAPOTILLO ALAMOR CELICA CATACOCHA ZAMORA ZUMBA ZONAL LOJA SANTO DOMINGO ESMERALDAS MUISNE QUININDE BABAHOYO QUEVEDO VENTANAS VINCES CATARAMA ZONAL STO. DOMINGO PORTOVIEJO MANTA BAHIA CHONE EL CARMEN JIPIJAPA CALCETA PEDERNALES ZONAL POETOVIEJO GUAYAQUIL PEDRO CARBO DAULE BALZAR MILAGRO EL TRIUNFO EL EMPALME NARANJAL SANTA ELENA PTO. BAQUERIZO ZONAL GUAYAQUIL MACHALA SANTA ROSA ARENILLAS PIÑAS ZARUMA ZONAL MACHALA PUYO TENA BAEZA ORELLANA LAGO AGRIO SHUSHUFINDI MACAS SUCUA MENDEZ LIMON INDANZA GUALAQUIZA ZONAL PUYO

               423,837                149,999                287,638                   76,736                256,051                205,447                   85,539                134,198                272,650             1,892,095                782,149                154,650                227,376                461,998                572,502                281,573                413,749                633,142             3,527,139                261,489                203,920                264,178                271,997                203,047                   24,365                   14,798             1,243,794                442,816                136,965                138,269                205,382                302,419                154,377                354,075                262,892                398,042                181,179             2,576,416                602,062                243,973                431,500                698,155                727,431                733,034                568,854                915,363                345,693             5,266,065                848,863                590,250                144,877                729,323                   94,498                293,596                395,273                112,608             3,209,288                339,895                193,932                299,500                472,844                169,567                111,250                669,940                180,104                218,447                135,018             2,790,497                237,734                111,697                124,622                234,625                148,210                856,888                593,046                744,358                139,998                248,227                190,495                783,701                101,444                399,400                257,992                270,450                304,221             4,033,332

             709,913              241,470              616,485              253,132              256,061              501,759                94,740              124,293              163,264          2,961,117              922,441              514,170              227,687              669,617              871,747              318,295              454,961              880,070          4,858,988              470,551              242,810              342,560              314,763              167,677              248,662                99,853          1,886,876              610,405              172,640              201,976              358,340              346,227              194,584              325,141              240,970              663,322              259,160          3,372,765           1,157,368              580,318              722,253              645,104              712,415              794,005              438,868              609,286              196,114          5,855,731              837,284              650,195              274,903           1,418,577              172,320              372,573              725,328              324,079          4,775,259              606,280              311,550              666,179              597,387              207,503              204,562              547,555              305,082              554,055              198,978          4,199,131              435,051              507,138              349,434              208,207              264,764          1,764,594           1,378,484              677,061              490,119              395,398              654,236              374,664              521,047              315,279              187,035              427,640              356,983          5,777,946

           1,303,820               467,160               687,070               602,310               478,876               755,974               465,262               351,950               384,396           5,496,818            2,560,609               615,684               306,586               958,469               985,863               574,721               931,456            1,009,106           7,942,494               714,269               285,484               352,783               302,261               149,039               319,176               221,254           2,344,266               640,465               301,520               262,783               311,127               231,365               127,635               168,282               303,606               690,998               595,787           3,633,568            1,570,396            1,079,705               662,495            1,545,230               976,747               883,797               312,991               455,950               124,728           7,612,039            1,183,541               681,510               292,895            1,375,011               604,898               371,413               554,713               538,271           5,602,252            1,846,346               167,456               703,322               345,717               310,102               412,098               818,358               561,043               971,027               204,900           6,340,369               802,751               334,875               277,222               392,322               209,786           2,016,956            1,455,957               709,871               463,054               673,676               783,326               624,424               893,267               400,018               337,899               349,339               230,700           6,921,531

              849,055               582,048               748,809               433,814               326,690               680,619               362,127               315,950               405,624            4,704,736            2,167,374               412,356               344,230               583,422            1,069,949               300,111            1,234,777               928,757            7,040,976               568,653               413,946               495,038               340,758               218,007               175,385               321,150            2,532,937               704,253               322,357               345,572               319,617               200,616               152,352               109,182               350,361               547,261               473,983            3,525,554            1,098,653            1,285,829               607,622            1,103,840               540,525               532,958               169,859               374,813               143,061            5,857,160               820,503               733,998               527,930            1,482,635               430,447               498,055               708,692               539,468            5,741,728            2,620,884               264,453               892,355               652,158            1,291,374               238,073            1,176,909               657,358               619,852               509,600            8,923,016               885,664               284,543               392,796               374,904               117,055            2,054,962            1,424,736               862,954               508,224               906,068            1,074,196               800,652               761,790               382,584               238,403               352,829               419,614            7,732,050

                  3,286,625                   1,440,677                   2,340,002                   1,365,992                   1,317,678                   2,143,799                   1,007,668                      926,391                   1,225,934                15,054,766                   6,432,573                   1,696,860                   1,105,879                   2,673,506                   3,500,061                   1,474,700                   3,034,943                   3,451,075                23,369,597                   2,014,962                   1,146,160                   1,454,559                   1,229,779                      737,770                      767,588                      657,055                   8,007,873                   2,397,939                      933,482                      948,600                   1,194,466                   1,080,627                      628,948                      956,680                   1,157,829                   2,299,623                   1,510,109                13,108,303                   4,428,479                   3,189,825                   2,423,870                   3,992,329                   2,957,118                   2,943,794                   1,490,572                   2,355,412                      809,596                24,590,995                   3,690,191                   2,655,953                   1,240,605                   5,005,546                   1,302,163                   1,535,637                   2,384,006                   1,514,426                19,328,527                   5,413,405                      937,391                   2,561,356                   2,068,106                   1,978,546                      965,983                   3,212,762                   1,703,587                   2,363,381                   1,048,496                22,253,013                   2,361,200                   1,238,253                   1,144,074                   1,210,058                      739,815                   6,693,400                   4,852,223                   2,994,244                   1,601,395                   2,223,369                   2,702,253                   2,583,441                   2,277,548                   1,497,281                   1,021,329                   1,400,258                   1,311,518                24,464,859

SIERRA COSTA E INSULAR AMAZONIA NACIONAL

            8,660,223           12,122,738             4,612,553           25,395,514

       12,157,264        16,594,715          6,700,428        35,452,407

        18,130,361         21,571,616           8,208,316         47,910,293

         16,782,959          22,576,866            8,753,294          48,113,119

               55,730,807                72,865,935                28,274,591              156,871,333

FUENTE: Información de Sucursales ELABORACION: Departamento de Estudios e Investigaciones


Banco Nacional de Fomento

Gerencia de Riesgos

10

CREDITO RENOVADO POR MES SEGUN SUCURSALES Y ZONALES en dólares SUCURSALES y ZONALES QUITO TULCAN SAN GABRIEL EL ANGEL IBARRA OTAVALO CAYAMBE MACHACHI LOS BANCOS ZONAL QUITO RIOBAMBA ALAUSI CHUNCHI AMBATO LATACUNGA EL CORAZON LA MANA GUARANDA ZONAL RIOBAMBA CUENCA CAÑAR AZOGUES GUALACEO PAUTE GIRON LA TRONCAL ZONAL CUENCA LOJA GONZANAMA CARIAMANGA MACARA ZAPOTILLO ALAMOR CELICA CATACOCHA ZAMORA ZUMBA ZONAL LOJA SANTO DOMINGO ESMERALDAS MUISNE QUININDE BABAHOYO QUEVEDO VENTANAS VINCES CATARAMA ZONAL STO. DOMINGO PORTOVIEJO MANTA BAHIA CHONE EL CARMEN JIPIJAPA CALCETA PEDERNALES ZONAL POETOVIEJO GUAYAQUIL PEDRO CARBO DAULE BALZAR MILAGRO EL TRIUNFO EL EMPALME NARANJAL SANTA ELENA PTO. BAQUERIZO ZONAL GUAYAQUIL MACHALA SANTA ROSA ARENILLAS PIÑAS ZARUMA ZONAL MACHALA PUYO TENA BAEZA ORELLANA LAGO AGRIO SHUSHUFINDI MACAS SUCUA MENDEZ LIMON INDANZA GUALAQUIZA ZONAL PUYO SIERRA COSTA E INSULAR AMAZONIA NACIONAL

TOTAL  2011

ENE.

FEB.

MAR.

ABR.

                    3,300                     4,620                   13,890                   36,083                     3,160                     3,176                   18,840

               54,900                26,595

                12,350                 17,808

               15,354                10,830                10,010                  4,980                  4,062                10,800              137,531                27,228                  3,345

                64,275                   3,336                 33,640                 29,112                 49,235

                 39,468                  29,676                       260               113,049                  13,710

                    2,385

               11,500                14,718                  2,000                14,110

                  5,200                 29,890                   3,947                 64,284

                  13,360                     6,760                     2,231

               72,901                  1,893

              131,342                   3,430                   1,255

                    1,936

                    868

                     616

                  10,927                     5,750

                     867                  7,219                10,847                10,557

                13,175                 18,476                 13,364

                    7,425                     1,350                     7,486                     9,700

                 8,906                21,553                           ‐                  2,970

                  31,711                   46,820                   23,491

               43,986                14,681                22,941

                23,521                 16,448                 29,738

                 72,604                      171,822                  21,716                        99,665                  36,318                      112,488

                  47,500                   40,777                 150,865                   28,545                 132,716                   43,090                 513,804                 149,785                   43,756                   16,164                     3,684                   11,000                   21,223                   21,770                   31,718                 299,100                 501,095                   93,279                   59,437                 110,746                   40,376                   19,755                   75,601                   11,590                 106,591                 322,211             1,340,681                   23,035                   27,525                   29,800

               78,660              134,145              240,699                68,739                81,315                  7,460              648,640              126,862                56,495                17,176                  5,404                  6,900                29,037                27,958                  9,702              279,534              284,514              119,270              244,541              157,291                52,857                70,853                23,570                66,482              149,622                25,475          1,194,475                20,882                10,202                20,972

                73,770               215,933               172,456                 66,861                 54,943                 30,477               660,626               194,409               111,910                 15,582                 36,972                   5,700                 38,128                 74,004                   3,188               479,893               533,399                 23,849               708,218                 99,493                 45,404                 59,405                 41,356               110,445               123,044                 23,442           1,768,055                 44,563                 51,629                 20,094

                 65,590               101,261                  47,781                  52,013               124,043                    1,380               450,102               133,660                  37,333                  17,237                  69,652                  13,000                  13,403                  43,845                  13,218               341,348               338,080               145,612               500,645               268,130                  62,518                  68,149                  71,428               119,695               134,645                  41,238            1,750,140                  23,834                    6,513                  36,951

                  80,360                   29,497

               52,056                  2,457

              116,286

                 67,298                      316,000                        31,954

                  33,859                     9,190                        850

                 3,709                  7,000                  2,000

                11,139                   8,000                   1,725

                       48,707                    9,000                        33,190                           4,575

                    2,555

                 3,511

                  1,825

                   5,964                        13,855

                  42,800                 125,869                     4,475                     6,500

              209,756                 23,521                   4,500

                10,157

                     572

                 28,680                    1,200                    2,000               228,043                    6,190

                     110,018                        78,699                        14,150                      228,761                        31,036                        46,826                        81,612                        54,497                        55,600                      701,199                        61,414                        14,345

                   2,200                        21,285                        44,608                       856                           6,803                  51,329                      129,723                    7,800                           7,800                  68,375                      285,978                  22,890                        34,973                           3,486                       275                           3,695                    3,479                           3,479                              867                        20,394                  26,644                        66,894                       918                        30,589                  20,000                  19,350                    1,485                    8,120                  22,731

                       36,331                        52,410                           8,971                        20,790                        22,731

                     265,520                      492,116                      611,801                      216,158                      393,017                        82,407                   2,273,172                      604,716                      249,494                        66,159                      115,712                        36,600                      101,791                      167,577                        57,826                   1,399,875                   1,657,088                      382,010                   1,512,841                      635,660                      201,155                      218,162                      211,955                      308,212                      513,902                      412,366                   6,053,351                      112,314                        95,869                      107,817

                   6,128                           6,700

                  75,951

               19,249

                22,689

                 21,092                      138,981

                181,867             2,233,945                   75,951             2,491,763

             265,265          2,174,705                19,249          2,459,219

              383,095           3,024,860                 22,689           3,430,644

              395,666            2,608,888                  21,092            3,025,646

FUENTE: Información de Sucursales ELABORACION: Departamento de Estudios e Investigaciones

                  1,225,893                10,042,398                      138,981                11,407,272


Banco Nacional de Fomento

Gerencia de Riesgos

11

CREDITO TOTAL POR MES SEGUN SUCURSALES Y ZONALES en dólares SUCURSALES y ZONALES

TOTAL  2011

ENE.

FEB.

MAR.

ABR.

QUITO TULCAN SAN GABRIEL EL ANGEL IBARRA OTAVALO CAYAMBE MACHACHI LOS BANCOS ZONAL QUITO RIOBAMBA ALAUSI CHUNCHI AMBATO LATACUNGA EL CORAZON LA MANA GUARANDA ZONAL RIOBAMBA CUENCA CAÑAR AZOGUES GUALACEO PAUTE GIRON LA TRONCAL ZONAL CUENCA LOJA GONZANAMA CARIAMANGA MACARA ZAPOTILLO ALAMOR CELICA CATACOCHA ZAMORA ZUMBA ZONAL LOJA SANTO DOMINGO ESMERALDAS MUISNE QUININDE BABAHOYO QUEVEDO VENTANAS VINCES CATARAMA ZONAL STO. DOMINGO PORTOVIEJO MANTA BAHIA CHONE EL CARMEN JIPIJAPA CALCETA PEDERNALES ZONAL POETOVIEJO GUAYAQUIL PEDRO CARBO DAULE BALZAR MILAGRO EL TRIUNFO EL EMPALME NARANJAL SANTA ELENA PTO. BAQUERIZO ZONAL GUAYAQUIL MACHALA SANTA ROSA ARENILLAS PIÑAS ZARUMA ZONAL MACHALA PUYO TENA BAEZA ORELLANA LAGO AGRIO SHUSHUFINDI MACAS SUCUA MENDEZ LIMON INDANZA GUALAQUIZA ZONAL PUYO

                427,137                 154,619                 301,528                 112,819                 259,211                 208,623                 104,379                 134,198                 315,450             2,017,964                 786,624                 161,150                 227,376                 464,383                 572,502                 281,573                 413,749                 633,142             3,540,499                 268,249                 206,151                 264,178                 273,933                 203,047                   24,365                   14,798             1,254,721                 448,566                 136,965                 138,269                 212,807                 303,769                 161,863                 363,775                 262,892                 398,042                 181,179             2,608,127                 648,882                 267,464                 431,500                 745,655                 768,208                 883,899                 597,399              1,048,079                 388,783             5,779,869                 998,648                 634,006                 161,041                 733,007                 105,498                 314,819                 417,043                 144,326             3,508,388                 840,990                 287,211                 358,937                 583,590                 209,943                 131,005                 745,541                 191,694                 325,038                 457,229             4,131,178                 260,769                 139,222                 154,422                 234,625                 148,210                 937,248                 622,543                 744,358                 173,857                 257,417  ��              191,345                 783,701                 103,999                 399,400                 257,992                 270,450                 304,221             4,109,283

             764,813              268,065              616,485              268,486              266,891              511,769                99,720              128,355              174,064          3,098,648              949,669              517,515              227,687              681,117              886,465              320,295              469,071              880,070          4,931,889              472,444              242,810              342,560              315,631              167,677              249,529              107,072          1,897,723              620,962              172,640              201,976              367,246              367,780              194,584              328,111              240,970              663,322              259,160          3,416,751           1,172,049              603,259              722,253              723,764              846,560           1,034,704              507,607              690,601              203,574          6,504,371              964,146              706,690              292,079           1,423,981              179,220              401,610              753,286              333,781          5,054,793              890,794              430,820              910,720              754,678              260,360              275,415              571,125              371,564              703,677              224,453          5,393,606              455,933              517,340              370,406              208,207              264,764          1,816,650           1,380,941              677,061              493,828              402,398              656,236              374,664              524,558              315,279              187,035              428,212              356,983          5,797,195

           1,316,170               484,968               687,070               666,585               482,212               789,614               494,374               401,185               384,396           5,706,574            2,584,130               620,184               306,586               963,669            1,015,753               578,668               995,740            1,009,106           8,073,836               717,699               286,739               352,783               302,877               149,039               319,176               234,429           2,362,742               653,829               301,520               262,783               311,127               241,522               127,635               168,282               303,606               690,998               595,787           3,657,089            1,586,844            1,109,443               662,495            1,619,000            1,192,680            1,056,253               379,852               510,893               155,205           8,272,665            1,377,950               793,420               308,477            1,411,983               610,598               409,541               628,717               541,459           6,082,145            2,379,745               191,305            1,411,540               445,210               355,506               471,503               859,714               671,488            1,094,071               228,342           8,108,424               847,314               386,504               297,316               392,322               209,786           2,133,242            1,455,957               709,871               474,193               681,676               785,051               624,424               895,092               400,018               337,899               349,339               230,700           6,944,220

              888,523               611,724               749,069               546,863               340,400               680,619               390,807               317,150               407,624            4,932,779            2,173,564               412,356               344,230               585,622            1,069,949               300,967            1,286,106               936,557            7,109,351               591,543               413,946               495,038               341,033               221,486               175,385               321,150            2,559,581               705,171               322,357               345,572               339,617               219,966               153,837               117,302               373,092               547,261               473,983            3,598,158            1,120,369            1,322,147               607,622            1,169,430               641,786               580,739               221,872               498,856               144,441            6,307,262               954,163               771,331               545,167            1,552,287               443,447               511,458               752,537               552,686            6,083,076            2,958,964               410,065            1,393,000               920,288            1,353,892               306,222            1,248,337               777,053               754,497               550,838          10,673,156               909,498               291,056               429,747               374,904               117,055            2,122,260            1,424,736               862,954               508,224               915,068            1,074,196               800,652               767,754               382,584               238,403               358,957               419,614            7,753,142

                  3,396,643                   1,519,376                   2,354,152                   1,594,753                   1,348,714                   2,190,625                   1,089,280                      980,888                   1,281,534                15,755,965                   6,493,987                   1,711,205                   1,105,879                   2,694,791                   3,544,669                   1,481,503                   3,164,666                   3,458,875                23,655,575                   2,049,935                   1,149,646                   1,454,559                   1,233,474                      741,249                      768,455                      677,449                   8,074,767                   2,428,528                      933,482                      948,600                   1,230,797                   1,133,037                      637,919                      977,470                   1,180,560                   2,299,623                   1,510,109                13,280,125                   4,528,144                   3,302,313                   2,423,870                   4,257,849                   3,449,234                   3,555,595                   1,706,730                   2,748,429                      892,003                26,864,167                   4,294,907                   2,905,447                   1,306,764                   5,121,258                   1,338,763                   1,637,428                   2,551,583                   1,572,252                20,728,402                   7,070,493                   1,319,401                   4,074,197                   2,703,766                   2,179,701                   1,184,145                   3,424,717                   2,011,799                   2,877,283                   1,460,862                28,306,364                   2,473,514                   1,334,122                   1,251,891                   1,210,058                      739,815                   7,009,400                   4,884,177                   2,994,244                   1,650,102                   2,256,559                   2,706,828                   2,583,441                   2,291,403                   1,497,281                   1,021,329                   1,406,958                   1,311,518                24,603,840

SIERRA COSTA E INSULAR AMAZONIA NACIONAL

            8,842,090           14,356,683             4,688,504           27,887,277

       12,422,529        18,769,420          6,719,677        37,911,626

        18,513,456         24,596,476           8,231,005         51,340,937

         17,178,625          25,185,754            8,774,386          51,138,765

               56,956,700                82,908,333                28,413,572              168,278,605

FUENTE: Información de Sucursales ELABORACION: Departamento de Estudios e Investigaciones


Banco Nacional de Fomento

Gerencia de Riesgos

12

CREDITO ORIGINAL Y RENOVADO POR RUBROS DE INVERSION Y SUCURSALES A ABRIL DE 2011 en dólares

O  R  I  G  I  N  A  L SUCURSALES Y ZONALES QUITO TULCAN SAN GABRIEL EL ANGEL IBARRA OTAVALO CAYAMBE MACHACHI LOS BANCOS ZONAL QUITO RIOBAMBA ALAUSI CHUNCHI AMBATO LATACUNGA EL CORAZON LA MANA GUARANDA ZONAS RIOBAMBA CUENCA CAÑAR AZOGUES GUALACEO PAUTE GIRON LA TRONCAL ZONAL CUENCA LOJA GONZANAMA CARIAMANGA MACARA ZAPOTILLO ALAMOR CELICA CATACOCHA ZAMORA ZUMBA ZONAL LOJA SANTO DOMINGO ESMERALDAS MUISNE QUININDE BABAHOYO QUEVEDO VENTANAS VINCES CATARAMA ZONAL STO.DOMINGO PORTOVIEJO MANTA BAHIA CHONE EL CARMEN JIPIJAPA CALCETA PEDERNALES ZONAL PORTOVIEJO GUAYAQUIL PEDRO CARBO DAULE BALZAR MILAGRO EL TRIUNFO EL EMPALME NARANJAL SANTA ELENA PTO. BAQUERIZO ZONAL GUAYAQUIL MACHALA SANTA ROSA ARENILLAS PIÑAS ZARUMA ZONAL MACHALA PUYO TENA BAEZA ORELLANA LAGO AGRIO SHUSHUFINDI MACAS SUCUA MENDEZ LIMON INDANZA GUALAQUIZA ZONAL PUYO SIERRA COSTA E INSULAR AMAZONIA NACIONAL

CULTIV. AGRICOL.

PECUARIO

             103,493              341,118              424,788              621,023              485,129              449,132                48,943                18,714              399,544          2,891,884              886,679              212,565                     798              483,863              262,485                90,069              146,638          1,080,307          3,163,404                86,489                     399                     399                20,096                81,759              101,997              286,219              577,358              159,299                89,060                60,464              115,985              361,382              162,428              475,679              199,290                79,708              170,350          1,873,645              931,142              420,926              953,699          1,359,098          1,451,775          1,364,143              735,241          1,216,537              402,321          8,834,882              626,402                76,030              246,529              561,075              697,710              323,167              755,051                24,298          3,310,262          1,267,847              372,631          1,357,316          1,072,826              715,149              286,676          1,150,225              883,104                62,299                  5,000          7,173,073              252,935              172,093                73,844                57,661                30,497              587,030              161,598                98,585              118,329              265,656              648,041          1,014,732                25,068                63,097                35,095                     399                46,749          2,477,349

             531,364              329,194              154,843              435,911              138,689              341,793              343,122              495,247              630,946          3,401,109          3,062,954              597,652              620,657              728,553          1,613,852              422,423          1,403,305          1,051,461          9,500,857              580,044              518,057              680,850              471,146              220,835              116,260                  9,199          2,596,391              854,413              550,125              316,648              347,333              325,400              322,542              213,101              547,413          1,441,419              863,768          5,782,162          1,003,688              982,296              275,558              596,617                25,286              100,592                  2,793                97,233                  3,987          3,088,050          1,282,266                94,699              329,973          2,560,403              441,967                89,558              694,281              995,829          6,488,976                69,959                48,995                65,000              288,963                  3,990                51,768              250,285                38,991              140,149                14,000              972,100              225,843              125,340              193,792              584,730              431,400          1,561,105          2,034,999              552,630              837,214              625,136              623,642              425,724              973,887              841,575              796,597          1,074,093              866,166          9,651,663

         8,256,233        19,905,247          2,727,407        30,888,887

       18,975,332        12,110,231        11,956,850        43,042,413

MAQUIN. AGRIC.

MEJ. TERRIT.

           96,161              585,526            20,000              592,164                99,186              1,964                46,137            19,021                32,652                53,600              132,673            17,600              141,200                69,000                44,504                28,000                34,407            58,585          1,273,523

            341,536             188,473                    798                 2,399               99,765             166,700               49,998             123,798               14,499             987,966             143,914             127,034               12,586             362,394             394,724                 8,930             107,363               68,775         1,225,720             661,240               46,899             119,422             296,795               25,199               17,199               29,500         1,196,254             213,179                 7,000               26,299               12,004                 9,000                 1,599                 3,000               12,000             112,232               20,296             416,609             103,811             116,458                 1,197             105,586               42,669             142,783               36,565               51,411                 2,394             602,874               77,450             100,087               68,885               77,789                 9,495               14,289               40,693               15,096             403,784             398,693               23,793               47,596               24,694               11,485               73,391               91,298               37,103             216,595             179,100         1,103,748             147,088             112,186               83,198             115,341               53,200             511,013             131,399               48,039               69,067               33,391               82,586               97,449               81,500             102,910               23,200                 3,399               28,000             700,940

         585,106       1,486,630            58,585       2,130,321

        3,694,021         2,621,419             833,468         7,148,908

             8,420            75,799            67,800            48,098              1,600          201,717            30,000            66,711              8,000            10,000            45,998

             216,390              103,132                93,656                81,530                87,500              101,915                  7,200                17,000                  6,300              714,623              457,854                88,925                39,000              239,860              152,399                39,220              299,871                38,750          1,355,879                69,330

PEQ. IND.  MOVILIZ. ARTESAN.

           40,000            50,980          251,689              3,400              4,800            44,000              130,800            12,000                43,000              229,800              159,199                30,000            64,200              662,129              2,880                81,450            43,900                24,450

             1,800                24,500            11,066                88,600                17,559              7,854                66,700                82,000                30,400            67,500              415,659            15,798              895,984            52,632                75,000            28,700                20,000              900,813            54,164                84,015          123,780                62,399          180,924                74,166            17,195              184,082              7,640                73,978          480,833          2,370,437            49,063              260,638            67,740                  8,199            29,310              4,982              312,225                     399            27,000                  7,000              5,000                12,000                     399          183,095              600,860          141,695                34,500                  635                66,000            25,776              124,099            44,500                70,672            36,684              899,874            59,109                49,981            62,900              242,499            84,824              280,556            54,900                  9,600          215,518                66,000          726,541          1,843,781            82,910              165,994            12,500              184,735                83,100                  751              151,697

         3,035,890          5,400,604          1,385,923          9,822,417

R E N O V A D O ACT. COMER.  Y SERV.

CONSUMO

TOTAL

              24,900               67,148             173,700               22,000                    300               69,420             183,550               98,350               61,200             700,568             429,820             334,354             186,050               92,100             494,063             110,500               88,500             641,760         2,377,147               29,400             313,950             213,600               36,000               37,500               74,600                 4,000             709,050                 9,325             109,000             316,650             110,100               12,900               17,500               49,540               74,600             162,345             260,850         1,122,810             153,329             277,890             123,600               21,420             494,000               84,400

                8,000             540,030             229,260               49,759         1,337,135               52,200               10,000               29,760                 4,500               51,245                 2,700             502,958               83,800             177,700             205,400         1,120,263               50,500             136,460               86,861               96,200               15,300             385,321             267,340             979,641             143,638             790,840             126,112             565,165             244,830             284,103               13,008               69,885               50,890         3,535,452

           3,286,625            1,440,677            2,340,002            1,365,992            1,317,678            2,143,799            1,007,668               926,391            1,225,934          15,054,766            6,432,573            1,696,860            1,105,879            2,673,506            3,500,061            1,474,700            3,034,943            3,451,075          23,369,597            2,014,962            1,146,160            1,454,559            1,229,779               737,770               767,588               657,055            8,007,873            2,397,939               933,482               948,600            1,194,466            1,080,627               628,948               956,680            1,157,829            2,299,623            1,510,109          13,108,303            4,428,479            3,189,825            2,423,870            3,992,329            2,957,118            2,943,794            1,490,572            2,355,412               809,596          24,590,995            3,690,191            2,655,953            1,240,605            5,005,546            1,302,163            1,535,637            2,384,006            1,514,426          19,328,527            5,413,405               937,391            2,561,356            2,068,106            1,978,546               965,983            3,212,762            1,703,587            2,363,381            1,048,496          22,253,013            2,361,200            1,238,253            1,144,074            1,210,058               739,815            6,693,400            4,852,223            2,994,244            1,601,395            2,223,369            2,702,253            2,583,441            2,277,548            1,497,281            1,021,329            1,400,258            1,311,518          24,464,859

             110,018                78,699                14,150              228,761                31,036                46,826                80,392                54,497                55,600              699,979                61,414                14,345

      9,000

           2,068,942               403,192            1,487,267               127,330               506,295            1,014,839               307,055               125,184               111,845            6,151,949            1,407,852               269,619               236,788               756,736               536,540               803,558               949,266               519,042            5,479,401               585,059               262,055               265,488               350,742               142,677               298,333               285,137            2,189,491            1,077,393               109,947               228,539               582,744               272,279               101,560               207,506               257,826               421,919               164,445            3,424,158            1,322,877            1,264,623            1,021,116            1,008,795               622,214            1,016,147               456,883               684,569               277,316            7,674,540            1,309,322            1,973,108               469,462            1,489,072               144,592               530,593               645,021               429,045            6,990,215            3,443,511               391,337               869,609               544,951               260,119               442,358               880,597               280,409            1,702,138               363,478            9,178,507            1,435,930               494,939               623,279               203,678               209,418            2,967,244            1,644,723            1,214,163               385,046               456,673            1,168,272               340,698               793,463               136,596               108,925               224,482               285,306            6,758,347

             135,398

          3,583

            138,981

    39,210   387,595       9,000   435,805

         16,658,635          26,810,506            7,344,711          50,813,852

        4,486,380         4,143,703         3,958,647       12,588,730

         55,730,807          72,865,935          28,274,591        156,871,333

         1,202,694          9,972,275              135,398        11,310,367

       23,199        70,123           3,583        96,905

        1,225,893       10,042,398             138,981       11,407,272

      4,950

      4,950     13,500       2,000

    15,500

    13,000     13,000

      5,760

      5,760       1,850

  182,995     49,550       4,000   238,395       7,500

      4,000       2,700     14,200       5,000     24,000     42,200     17,000     32,000     14,800   135,000

      2,000

      7,000

            104,385               41,960         1,300,984               77,550             336,090               96,446

PRODUC CONSUMO

               21,285                44,608                  6,803              111,223                  7,800              267,478                34,973                  3,486

          1,220           1,220

       18,500        18,500

                 3,695           3,479                     867                20,394                63,415                30,589

          3,479

TOTAL             110,018               78,699               14,150             228,761               31,036               46,826               81,612               54,497               55,600             701,199               61,414               14,345               21,285               44,608                 6,803             129,723                 7,800             285,978               34,973                 3,486                 3,695                 3,479                    867               20,394               66,894               30,589

               36,331                52,410                  8,971                20,790                22,731

              36,331               52,410                 8,971               20,790               22,731

             171,822                99,665              112,488

            171,822               99,665             112,488

             265,520              492,116              611,801              216,158              393,017                82,407          2,273,172              604,716              243,685                66,159              115,712                36,600              101,791              167,577                57,826          1,394,066          1,657,088              378,284          1,512,841              635,660              201,155              218,162              206,708              308,212              483,120              409,315          6,010,545                90,806                95,869              107,817

            265,520             492,116             611,801             216,158             393,017               82,407         2,273,172             604,716             249,494               66,159             115,712               36,600             101,791             167,577               57,826         1,399,875         1,657,088             382,010         1,512,841             635,660             201,155             218,162             211,955             308,212             513,902             412,366         6,053,351             112,314               95,869             107,817

          5,809

          5,809           3,726

          5,247        30,782           3,051        42,806        21,508

             294,492                31,954

       21,508

            316,000               31,954

               45,124                33,190                  4,575

          3,583

              48,707               33,190                 4,575

               13,855

              13,855

                 6,700

                6,700


Banco Nacional de Fomento

Gerencia de Riesgos

13

CREDITO TOTAL POR RUBROS DE INVERSION SEGUN SUCURSALES Y ZONALES A ABRIL DE 2011 en dólares

SUCURSALES Y ZONALES QUITO TULCAN SAN GABRIEL EL ANGEL IBARRA OTAVALO CAYAMBE MACHACHI LOS BANCOS ZONAL QUITO RIOBAMBA ALAUSI CHUNCHI AMBATO LATACUNGA EL CORAZON LA MANA GUARANDA ZONAS RIOBAMBA CUENCA CAÑAR AZOGUES GUALACEO PAUTE GIRON LA TRONCAL ZONAL CUENCA LOJA GONZANAMA CARIAMANGA MACARA ZAPOTILLO ALAMOR CELICA CATACOCHA ZAMORA ZUMBA ZONAL LOJA SANTO DOMINGO ESMERALDAS MUISNE QUININDE BABAHOYO QUEVEDO VENTANAS VINCES CATARAMA ZONAL STO. DOMINGO PORTOVIEJO MANTA BAHIA CHONE EL CARMEN JIPIJAPA CALCETA PEDERNALES ZONAL PORTOVIEJO GUAYAQUIL PEDRO CARBO DAULE BALZAR MILAGRO EL TRIUNFO EL EMPALME NARANJAL SANTA ELENA PTO. BAQUERIZO ZONAL GUAYAQUIL MACHALA SANTA ROSA ARENILLAS PIÑAS ZARUMA ZONAL MACHALA PUYO TENA BAEZA ORELLANA LAGO AGRIO SHUSHUFINDI MACAS SUCUA MENDEZ LIMON INDANZA GUALAQUIZA ZONAL PUYO SIERRA COSTA E INSULAR AMAZONIA NACIONAL

CULTIVOS AGRICOLAS

PECUARIO

103,493 384,632 431,778 689,253 497,809 477,632 60,720 18,714 399,544 3,063,575 920,673 212,565 798 486,063 262,485 95,287 159,962 1,080,307 3,218,140 86,489 399 399 20,346 81,759 101,997 299,394 590,783 159,299 89,060 60,464 138,546 389,355 163,913 489,649 200,790 79,708 170,350 1,941,134 961,044 420,926 953,699 1,379,668 1,546,553 1,517,976 846,116 1,431,430 433,921 9,491,333 796,361 81,760 257,659 568,328 702,910 342,789 796,038 24,298 3,570,143 1,339,850 440,058 2,496,337 1,542,590 826,984 352,006 1,190,343 940,665 90,212 5,000 9,224,045 256,006 196,123 73,844 57,661 30,497 614,131 161,598 98,585 118,329 267,656 648,041 1,014,732 25,068 63,097 35,095 399 46,749 2,479,349

550,064 329,194 154,843 561,517 149,149 341,793 362,867 532,749 641,746 3,623,922 3,082,603 597,652 620,657 737,938 1,650,460 423,279 1,475,884 1,059,261 9,647,734 599,644 518,057 680,850 471,146 220,835 117,127 9,199 2,616,858 857,193 550,125 316,648 359,228 348,487 322,542 218,031 559,540 1,441,419 863,768 5,836,981 1,043,695 1,048,116 275,558 675,127 25,286 141,170 2,793 120,416 3,987 3,336,148 1,398,319 94,699 338,550 2,564,862 452,967 92,910 721,744 1,014,240 6,678,291 115,643 67,519 65,000 292,406 15,057 51,768 303,366 41,869 164,076 17,345 1,134,049 225,843 148,713 211,334 584,730 431,400 1,602,020 2,064,496 552,630 837,214 640,136 623,642 425,724 979,479 841,575 796,597 1,077,843 866,166 9,705,502

8,563,574 22,899,652 2,729,407 34,192,633

19,420,308 12,750,508 12,010,689 44,181,505

MAQUIN. AGRICOLA

MEJORAS TERRIT.

PEQ. IND. ARTESAN.

263,390 103,132 93,656 81,530 87,500 101,915 7,200 17,000 6,300 761,623 457,854 88,925 39,000 239,860 152,399 39,220 303,871 38,750 1,359,879 69,330

58,585

588,836 592,164 99,186 46,137 32,652 53,600 132,673 141,200 69,000 44,504 28,000 34,407 1,273,523

369,886 194,443 798 6,979 99,765 166,700 53,598 123,798 14,499 1,030,466 143,914 127,034 12,586 367,594 394,724 8,930 108,533 68,775 1,232,090 665,690 46,899 119,422 297,529 25,199 17,199 29,500 1,201,438 213,179 7,000 26,299 12,004 9,000 1,599 3,000 12,000 112,232 20,296 416,609 103,811 117,355 1,197 105,586 42,669 165,266 50,386 53,211 2,394 641,875 96,530 105,568 68,885 77,789 11,795 15,149 41,413 18,850 435,979 448,246 29,866 69,207 30,073 18,019 73,391 106,917 37,103 240,529 183,753 1,237,104 147,088 116,934 83,198 115,341 53,200 515,761 131,399 48,039 69,067 33,391 82,586 97,449 81,500 102,910 23,200 3,399 28,000 700,940

589,581 1,824,280 58,585 2,472,446

3,087,890 5,472,859 1,385,923 9,946,672

3,748,075 2,830,719 833,468 7,412,262

8,420 75,799

67,800 48,098 1,600 201,717 34,475 66,711 8,000 10,000 45,998 40,000 50,980 256,164 3,400 4,800 44,000 12,000

64,200 2,880 43,900 1,800 11,066

130,800 43,000 229,800 159,199 30,000 662,129 81,450 24,450 25,500 88,600 17,559

7,854

67,500 15,798 52,632 28,700 54,164 127,080 180,924 17,195 7,640 484,133 49,063 69,464 29,935 4,982 27,000 5,000 1,750 187,194 141,695 635 29,276 44,500 36,684 59,109 69,985 84,824 66,510 508,574 1,041,792 97,910 12,500 751 111,161 20,000 1,964 19,021

17,600

66,700 82,000 30,400 416,659 895,984 75,000 20,000 912,093 84,015 73,072 74,166 190,325 73,978 2,398,633 271,138 9,068 312,225 13,399 7,000 12,000 399 625,229 37,125 67,380 124,099 76,172 899,874 49,981 245,474 280,556 13,500 66,000 1,860,161 165,994 184,735 86,410 151,697

MOVILIZ.

CONSOLID. 2,300

ACT. COMER. Y SERV.

9,000

64,844

2,082,610 432,407 1,494,427 157,675 514,191 1,033,165 321,075 142,179 156,645 6,334,374 1,411,148 269,619 236,788 761,236 536,540 804,287 969,416 519,042 5,508,076 590,382 263,310 265,488 353,453 142,677 298,333 292,356 2,205,999 1,105,202 109,947 228,539 583,619 273,629 109,046 209,396 266,930 421,919 164,445 3,472,672 1,341,694 1,310,394 1,021,116 1,163,955 746,190 1,383,281 548,345 831,467 328,123 8,674,565 1,598,446 2,202,989 515,289 1,505,772 149,692 556,401 742,417 462,956 7,733,962 4,915,732 673,217 1,208,835 696,525 331,838 595,190 968,427 285,184 2,085,638 379,296 12,139,882 1,508,665 521,007 710,244 203,678 209,418 3,153,012 1,647,180 1,214,163 381,463 461,373 1,170,272 340,698 801,726 136,596 108,925 225,360 285,306 6,773,062

39,210 387,595 9,000 435,805

63,726 827,473 64,844 956,043

16,934,757 31,701,421 7,359,426 55,995,604

4,950

31,250

4,950 13,500

33,550 14,345

2,000 8,000

15,500

13,000 13,000

22,345 5,600 2,231

7,831

5,760

5,760 1,850

182,995 49,550 4,000

238,395 7,500

10,939

273,362 13,800

298,101

87,300 4,000 2,700

52,149 1,011

14,200 5,000 24,000 42,200 17,000

140,460 15,002 3,000 9,483

32,000 14,800

135,000

242,998 8,336 92,443 371,262 17,650

17,650 2,000 48,707 11,490 2,575 7,000

2,072

CONSUMO

TOTAL

24,900 67,148 173,700 22,000 300 69,420 184,770 98,350 61,200 701,788 429,820 334,354 186,050 92,100 494,063 110,500 107,000 641,760 2,395,647 29,400 313,950 213,600 36,000 40,979 74,600 4,000 712,529 9,325 109,000 316,650 110,100 12,900 17,500 49,540 74,600 162,345 260,850 1,122,810 153,329 277,890 123,600 21,420 494,000 84,400

8,000 540,030 229,260 49,759 1,342,944 52,200 13,726 29,760 4,500 51,245 2,700 508,205 83,800 208,482 208,451 1,163,069 72,008 136,460 86,861 96,200 15,300 406,829 267,340 979,641 147,221 790,840 126,112 565,165 244,830 284,103 13,008 69,885 50,890 3,539,035

3,396,643 1,519,376 2,354,152 1,594,753 1,348,714 2,190,625 1,089,280 980,888 1,281,534 15,755,965 6,493,987 1,711,205 1,105,879 2,694,791 3,544,669 1,481,503 3,164,666 3,458,875 23,655,575 2,049,935 1,149,646 1,454,559 1,233,474 741,249 768,455 677,449 8,074,767 2,428,528 933,482 948,600 1,230,797 1,133,037 637,919 977,470 1,180,560 2,299,623 1,510,109 13,280,125 4,528,144 3,302,313 2,423,870 4,257,849 3,449,234 3,555,595 1,706,730 2,748,429 892,003 26,864,167 4,294,907 2,905,447 1,306,764 5,121,258 1,338,763 1,637,428 2,551,583 1,572,252 20,728,402 7,070,493 1,319,401 4,074,197 2,703,766 2,179,701 1,184,145 3,424,717 2,011,799 2,877,283 1,460,862 28,306,364 2,473,514 1,334,122 1,251,891 1,210,058 739,815 7,009,400 4,884,177 2,994,244 1,650,102 2,256,559 2,706,828 2,583,441 2,291,403 1,497,281 1,021,329 1,406,958 1,311,518 24,603,840

4,509,579 4,213,826 3,962,230 12,685,635

56,956,700 82,908,333 28,413,572 168,278,605

104,385 41,960 1,300,984 77,550 341,899 96,446


Banco Nacional de Fomento

Gerencia de Riesgos

14

CREDITO ORIGINAL PARA CULTIVOS AGRICOLAS SEGUN SUCURSALES Y ZONALES A ABRIL DE 2011 en dólares SUCURSALES Y ZONALES QUITO TULCAN SAN GABRIEL EL ANGEL IBARRA OTAVALO CAYAMBE MACHACHI LOS BANCOS ZONAL QUITO RIOBAMBA ALAUSI CHUNCHI AMBATO LATACUNGA EL CORAZON LA MANA GUARANDA ZONAL RIOBAMBA CUENCA CAÑAR AZOGUES GUALACEO PAUTE GIRON LA TRONCAL ZONAL CUENCA LOJA GONZANAMA CARIAMANGA MACARA ZAPOTILLO ALAMOR CELICA CATACOCHA ZAMORA ZUMBA ZONAL LOJA SANTO DOMINGO ESMERALDAS MUISNE QUININDE BABAHOYO QUEVEDO VENTANAS VINCES CATARAMA ZONAL STO. DOMINGO PORTOVIEJO MANTA BAHIA CHONE EL CARMEN JIPIJAPA CALCETA PEDERNALES ZONAL PORTOVIEJO GUAYAQUIL PEDRO CARBO DAULE BALZAR MILAGRO EL TRIUNFO EL EMPALME NARANJAL SANTA ELENA PTO. BAQUERIZO ZONAL GUAYAQUIL MACHALA SANTA ROSA ARENILLAS PIÑAS ZARUMA ZONAL MACHALA PUYO TENA BAEZA ORELLANA LAGO AGRIO SHUSHUFINDI MACAS SUCUA MENDEZ LIMON INDANZA GUALAQUIZA ZONAL PUYO SIERRA COSTA E INSULAR AMAZONIA NACIONAL

Arroz

Maíz

Trigo

6,431 3,417 9,999

13,416 52,291

15,312

21,743 5,857

554,366 610,604

399 1,197 77,104 40,784 4,829

124,313 17,221 23,097

Arveja

798 4,232 399

5,429 399 399 399

798 3,149

2,068 2,068

Fréjol

399 9,086 798 6,655

21,347 71,150

1,197

Papa 7,798 257,695 295,879 327,070 44,513 16,102 15,721 6,714 971,492 77,836 113,427 399 30,944 129,419

Tomate Hortícola

Cebolla

2,399

399

399 46,644 45,573 24,134 399

12,619

119,548 41,994

20,387 111,697

2,849

30,757 63,566

Algodón

Palma  Africana

Soya

Cacao

Café

Banano

Caña de  Azúcar

48,400 3,598 12,400

3,171

40,392 12,000

36,000 4,198

155,959 507,984 798 399 399

2,120 46,963 2,696

5,597 399

3,165

7,592

5,861 5,300

399 4,767

2,120

18,368

221,050 221,050

96,294 96,294 196,699

69,091 110,788 214,732 591,310 48,000

206,020

100,398

52,392 10,080

399 3,450 18,558 18,558

3,849

8,490 4,296 2,979 25,845

399 399 26,758 26,758

38,304 38,806

77,110

399 1,995

399

11,266 58,480 302,088 123,928 465,067 56,370 399

399

86,799 152,448 287,247

399 1,800

637

1,019,593

1,036

399

7,420

23,534 223,375 167,640 798,423

884,940 30,667 26,139 84,092 168,318 1,194,156 67,860 17,504

33,996

119,360 1,144,250 35,887 1,353,917 442,435 156,389 99,572 386,611

5,023 473,054 257,132 831,430 149,257 1,715,896 134,016 46,530 43,397

399 300,640 26,336

1,516,414

3,900 7,000 58,500 42,799 15,901

5,500 63,000 68,500

13,441

274,257 98,134

10,000

3,100

596,334 24,713 154,829

42,441 1,950

13,100

3,000

798

441,696 399 476,851 11,179

115,360 112,314 86,797 388,976 409,314

87,000

1,109,667 399

1,950

798

34,881

9,165 11,255

2,120

20,819

2,120

15,610 223,862 319,421 399 41,659 22,000 768,457 52,000 119,000

87,000

1,283,761 194,100 146,300 12,399 24,167 15,000 391,966

399

44,013 44,013 30,844 30,560

399

399

399

63,303

7,000

69,929 2,000

5,581 10,000 7,581

10,000 35,000

17,399

413,249 99,110

2,000 8,000

60,500

19,399 43,300 20,000

607,859

1,500 8,060 9,560 45,000

6,990 105,936 4,974,096 5,080,032

1,643,613 3,442,716 7,389 5,093,718

FUENTE: Información de Sucursales ELABORACION: Departamento de Estudios e Investigaciones

28,398

28,398

196,499 1,950

7,025

198,449

7,025

1,487,068

1,487,068

179,792 2,918

250,340 42,840

13,100

182,710

293,180

13,100

162,087 370,243 316,832 11,400 24,300 31,499

2,492,522 3,707,098 477,457 6,677,077

4,000

851,074

96,639

798

5,600 56,999

221,050 1,603,414 851,074 2,675,538

976,651 5,270,431 1,061,601 7,308,683

409,437 63,238 272,089 744,764

72,349 152,628 798 225,775

185,553 627,419 56,999 869,971

3,399

430,578 8,498 5,793

2,000

399 94,200 2,040

22,780 1,007,791

3,399

163,609 187,173 127,911 56,000 313,086 439,107 211,514 101,453 68,799 6,798 1,511,841 248,020 26,500 146,577 337,213 378,289 8,934 602,158 2,298 1,749,989 11,884 60,167 3,399 73,335 15,798 798 195,398 7,500 62,299

798

399 66,459 144,000 640,615

1,596 27,019 20,399

399 14,690 116,598 29,536 117,930 33,918 39,199 51,846 9,668 38,797 798 399 18,369 457,058

63,300

68,650

2,793 399 3,399

132,689 108,595 6,000

62,929

17,000 18,619 7,038 42,657

420,965 54,613 7,197 32,400 107,380 1,071,201 34,995

1,500

38,500 9,016 114,865 16,000 159,450 462,031

5,000 13,000

44,497 72,995 113,896 150,156 310,297 330,756 28,625 12,000 82,200 1,145,422 378,462 70,184

19,697 72,598 5,399

3,000

3,619,061 6,638

41,519

399

29,000

42,910 10,900 55,610 520,594 125,375 897,699 247,589 122,306 341,268 324,181 169,287 77,948 2,826,247 145,506

3,900

Otros  Cultivos

Total  Cultivos 103,493 341,118 424,788 621,023 485,129 449,132 48,943 18,714 399,544 2,891,884 886,679 212,565 798 483,863 262,485 90,069 146,638 1,080,307 3,163,404 86,489 399 399 20,096 81,759 101,997 286,219 577,358 159,299 89,060 60,464 115,985 361,382 162,428 475,679 199,290 79,708 170,350 1,873,645 931,142 420,926 953,699 1,359,098 1,451,775 1,364,143 735,241 1,216,537 402,321 8,834,882 626,402 76,030 246,529 561,075 697,710 323,167 755,051 24,298 3,310,262 1,267,847 372,631 1,357,316 1,072,826 715,149 286,676 1,150,225 883,104 62,299 5,000 7,173,073 252,935 172,093 73,844 57,661 30,497 587,030 161,598 98,585 118,329 265,656 648,041 1,014,732 25,068 63,097 35,095 399 46,749 2,477,349 8,256,233 19,905,247 2,727,407 30,888,887


Banco Nacional de Fomento

Gerencia de Riesgos

15

CREDITO ORIGINAL, RENOVADO Y TOTAL POR DESTINO DE LA INVERSION Y PLAZO A ABRIL DE 2011 valores en dólares

DESTINO DE LA INVERSION

O     R     I     G     I     N     A     L NUMERO DE OPERACIONES V  A  L  O  R C. PLAZO MED.L.P. TOTAL C. PLAZO MED.L.P. a b c = a + b d e

Arroz Maíz Trigo Fréjol Arveja Papa Tomate Cebolla Algodón Palma Africana Soya Cacao Café Banano Caña de Azúcar Otros Cultivos TOTAL CULTIVOS

          1,010           2,106                   6                84                   8              331                36              106                   3                40                   1              456                55                22                93           1,360           5,717

Form. y Man. de Pastos Ganado Bovino Ganado Porcino Avicultura Pesca Otros Ganados TOTAL PASTOS Y GANADO

               90           2,244           1,379              709              158              145           4,725

     5,073,032      5,059,963            28,398          198,449              7,025      1,484,068          135,014          283,667            13,100          518,623                  399      1,141,440            97,142          201,875          648,721      3,926,713    18,817,629

              7,000        5,080,032             33,755        5,093,718             28,398           198,449               7,025               3,000        1,487,068             47,696           182,710               9,513           293,180             13,100       2,156,915        2,675,538               3,000               3,399       6,167,243        7,308,683          647,622           744,764             23,900           225,775          221,250           869,971       2,750,364        6,677,077     12,071,258      30,888,887

        362         241

    1,890,323        570,116

            87               1           905           112               3             29           417       1,567

    1,012     2,110             6           84             8         332           40         108             3         127             2     1,361         167           25         122     1,777     7,284

           18              4              5              1              4              5            62              1              5            12            79         799

            33       2,882           555             21             71             57       3,619

        123     5,126     1,934         730         229         202     8,344

         448,978      7,981,096      1,680,204          905,629          673,635          165,083    11,854,625

         216,705     26,650,088       3,375,318          184,262          397,854          363,561     31,187,788

          665,683      34,631,184        5,055,522        1,089,891        1,071,489           528,644      43,042,413

MAQUINARIA AGRICOLA MEJORAS TERRITORIALES  MOVILIZACION DE PROD. CONSOLIDACION DEUDAS TOTAL AGROPECUARIO

               58           184              152           563                44

        242         715           44

         176,698          185,951          435,805

      1,953,623        2,130,321       9,636,466        9,822,417           435,805

        10,696       5,933

  16,629

   31,470,708

PEQ. INDUSTRIA Y ARTESANIA ACT. COMERCIALES Y SERV. CONSUMO

             911           563         15,863       2,824              710       1,488

    1,474   18,687     2,198

TOTAL CREDITO

        28,180     10,808

  38,988

FUENTE: Información de Sucursales ELABORACION: Departamento de Estudios e Investigaciones

              2               4

TOTAL f = d + e

R E N O V A D O No. OPERAC. VALOR g h

              1               4               2

No. OPERAC. i = c + g

T   O   T   A   L VALOR j = f + h

%

       110,374          22,035          48,039                702          17,468             9,913        241,824             1,500          53,074          72,318        266,060     3,303,746

     1,374      2,351              6            84              8         350            44         113              4         131              7      1,423         168            30         134      1,856      8,083

      6,970,355       5,663,834             28,398           198,449               7,025       1,597,442           204,745           341,219             13,802       2,693,006             13,312       7,550,507           746,264           278,849           942,289       6,943,137     34,192,633

4.1% 3.4% 0.0% 0.1% 0.0% 0.9% 0.1% 0.2% 0.0% 1.6% 0.0% 4.5% 0.4% 0.2% 0.6% 4.1% 20.3%

           10         114            33            14              5              6         182

         39,465        868,562          88,469          79,859          48,150          14,587     1,139,092

        133      5,240      1,967         744         234         208      8,526

          705,148     35,499,746       5,143,991       1,169,750       1,119,639           543,231     44,181,505

0.4% 21.1% 3.1% 0.7% 0.7% 0.3% 26.3%

           18            20

       342,125        124,255

    54,849,135      86,319,843

        205      1,224

       956,043     5,865,261

        260         735            44         205    17,853

      2,472,446       9,946,672           435,805           956,043     92,185,104

1.5% 5.9% 0.3% 0.6% 54.8%

     1,303,378    30,379,105      2,472,497

      5,845,530        7,148,908     20,434,747      50,813,852     10,116,233      12,588,730

           76      1,339            28

       263,354     5,181,752          96,905

     1,550    20,026      2,226

      7,412,262     55,995,604     12,685,635

4.4% 33.3% 7.5%

   65,625,688

    91,245,645   156,871,333

     2,667

 11,407,272

   41,655

  168,278,605 100.0%


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Gerencia de Riesgos

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COMPARACION ANUAL DEL CREDITO ORIGINAL Y SUPERFICIE FINANCIADA POR DESTINO DE LA INVERSION A ABRIL DE CADA AÑO valores en dólares

DESTINO DE LA INVERSION

N     U     M     E     R     O 2010 2011 VARIACION a b b ‐ a

2010 %

Arroz Maíz Trigo Fréjol Arveja Papa Tomate Cebolla Algodón Palma Africana Soya Cacao Café Banano Caña de Azúcar Otros Cultivos TOTAL CULTIVOS

       3,135        6,845              12              40              10        1,037            170            275                3              99              16        2,547            112              48            196        2,751      17,296

      1,012       2,110               6             84               8           332             40           108               3           127               2       1,361           167             25           122       1,777       7,284

    (2,123)     (4,735)             (6)            44             (2)        (705)        (130)        (167)

      (67.7%)       (69.2%)       (50.0%)      110.0%       (20.0%)       (68.0%)       (76.5%)       (60.7%)

           28           (14)     (1,186)            55           (23)           (74)        (974)  (10,012)

Form. y Man. de Pastos Ganado Bovino Ganado Porcino Avicultura Pesca Otros Ganados TOTAL PASTOS Y GANADO

           128      17,729            269      19,236            297              72      37,731

          123       5,126       1,934           730           229           202       8,344

            (5)   (12,603)      1,665   (18,506)           (68)          130  (29,387)

MAQUINARIA AGRICOLA MEJORAS TERRITORIALES  MOVILIZACION DE PROD. CONSOLIDACION DEUDAS TOTAL AGROPECUARIO

c

V   A   L   O   R 2011 VARIACION d d ‐ c

%

       28.3%       (87.5%)       (46.6%)        49.1%       (47.9%)       (37.8%)       (35.4%)      (57.9%)

     8,892,426      9,796,488              9,122         159,203            47,998      1,895,907         313,777         431,061              6,586      1,521,212            16,362      5,936,582         564,561         295,348      1,107,336      8,633,187    39,627,156

       5,080,032        5,093,718             28,398           198,449                7,025        1,487,068           182,710           293,180             13,100        2,675,538                3,399        7,308,683           744,764           225,775           869,971        6,677,077     30,888,887

    (3,812,394)     (4,702,770)            19,276            39,246           (40,973)         (408,839)         (131,067)         (137,881)               6,514       1,154,326           (12,963)       1,372,101          180,203           (69,573)         (237,365)     (1,956,110)     (8,738,269)

       (42.9%)        (48.0%)       211.3%         24.7%        (85.4%)        (21.6%)        (41.8%)        (32.0%)         98.9%         75.9%        (79.2%)         23.1%         31.9%        (23.6%)        (21.4%)        (22.7%)        (22.1%)

        (3.9%)       (71.1%)      619.0%       (96.2%)       (22.9%)      180.6%      (77.9%)

        742,919    40,132,733      1,421,863    16,236,547         672,147         661,647    59,867,856

          665,683     34,631,184        5,055,522        1,089,891        1,071,489           528,644     43,042,413

          (77,236)     (5,501,549)       3,633,659   (15,146,656)          399,342         (133,003)   (16,825,443)

       (10.4%)        (13.7%)       255.6%        (93.3%)         59.4%        (20.1%)        (28.1%)

       1,062          242        1,016          715                2             44

       (820)      (77.2%)        (301)      (29.6%)            42 2,100.0%

     4,836,807    13,873,673            10,048

       2,130,321        9,822,417           435,805

    (2,706,486)        (56.0%)     (4,051,256)        (29.2%)          425,757   4,237.2%

     57,107     16,629

 (40,478)      (70.9%)

118,215,540

    86,319,843

  (31,895,697)        (27.0%)

PEQ. INDUSTRIA Y ARTESANIA ACT. COMERCIALES Y SERV. CONSUMO

       5,315       1,474      71,050     18,687        2,317       2,198

    (3,841)      (72.3%)  (52,363)      (73.7%)        (119)        (5.1%)

   16,343,657    79,716,085    12,760,925

       7,148,908     50,813,852     12,588,730

    (9,194,749)        (56.3%)   (28,902,233)        (36.3%)         (172,195)          (1.3%)

CREDITO ORIGINAL

   135,789     38,988

 (96,801)      (71.3%)

227,036,207

  156,871,333

  (70,164,874)        (30.9%)

FUENTE: Información de Sucursales ELABORACION: Departamento de Estudios e Investigaciones

SUPERFICIE FINANCIADA (Ha.) 2010 2011 VARIACION e f f ‐ e     10,135     11,462             28           153             32       1,472           266           349             14       1,367             15       5,340           522           379       1,222       6,871     39,627

       6,876        8,240             43           236             13           858           136           150             30        2,778               5        6,783           496           204        1,071        5,481     33,400

   (3,259)    (3,222)           15           83          (19)       (614)       (130)       (199)           16     1,411          (10)     1,443          (26)       (175)       (151)    (1,390)    (6,227)

%

        (32.2%)         (28.1%)          53.6%          54.2%         (59.4%)         (41.7%)         (48.9%)         (57.0%)        114.3%        103.2%         (66.7%)          27.0%           (5.0%)         (46.2%)         (12.4%)         (20.2%)         (15.7%)


Banco Nacional de Fomento

Gerencia de Riesgos

18

COMPARACION ANUAL DE LAS FUENTES DE FINANCIAMIENTO PARA CREDITO ORIGINAL A ABRIL DE CADA AÑO en dólares

VARIACION F U E N T E S PROGRAMAS DE GOBIERNO MICROCREDITO Proyecto Repo. Ovina Plan 555 M Reactiiv. Prod. Microfinanzas Decreto 863 Microcrédito Crédito Asociat. UTENAC Microcrédito TAXI‐GAS Capitalización 2008 Microcrédito Microcredito Pesq. Artesa. Microcrédito ECORAE INDA Titularización Predios Agrícolas Microcrédito Socio Siembra PLAN 555 Decreto 863 Plan 555 Desarrollo de Producción Plan 555 Capitalización 2008 Plan 555 Proyecto Repo. Ovina Plan 555 DESARROLLO HUMANO Crédito de Desarrollo Humano PROGRAMAS ESPECIALES Capitalización 2008 Operación Especial Capitalización 2008 Adquis. Tierras Decreto 756 Volcán Tung. Comr. Decreto 756 Volcán Tung. A.T. Rehabilit. Sector Agrop. 08‐11 Reestructuración E.N. 2008 Capialización 2008 Adquisición Vehículos Capialización 2008 Leasing. Maq. Y Eq. Adquisición Tierras Sector Rural Rehab. Sec. Agropec. Decre. N Créditos  > 50,000 FONDOS PROPIOS Línea Esp. Peq. Produc. Fondos CEREPs 2006 Comercialización Recursos Ordinarios Sobregiros Ocasionales Consumo  CONADIS‐BNF  INVERSION DOMESTICA BCE COMERC INV. BCE ESPECIAL COMERCIAL INVERSION BCE LINEA ESPECIAL T O T A L

2010   110,402,690     12,124,951               5,000        7,119,365        4,231,950           404,535           307,534

2011     39,793,435     23,002,395     21,486,001        1,281,847           167,000

VALOR       (70,609,255)        10,877,444                 (5,000)        14,366,636         (2,950,103)            (237,535)

            60,545               7,002

           (246,989)           (80.3)                  7,002

            56,567

%           (64.0)            89.7         (100.0)          201.8           (69.7)           (58.7)

              (56,567)         (100.0)

    11,479,001        4,798,294        6,336,357           339,350               5,000     86,798,738     86,798,738     11,214,844

    10,995,565        1,505,255        9,400,380             89,930       5,795,475        5,795,475       6,956,179

           (483,436)         (3,293,039)          3,064,023            (249,420)                 (5,000)       (81,003,263)       (81,003,263)         (4,258,665)

       1,308,694

            50,000

        (1,258,694)           (96.2)

          152,205

            (4.2)           (68.6)            48.4           (73.5)         (100.0)           (93.3)           (93.3)           (38.0)

           (152,205)         (100.0)

          170,064

            46,992

           (123,072)           (72.4)

       8,021,315

       6,859,187

        (1,162,128)           (14.5)

  110,121,719

        (1,562,566)         (100.0)          4,703,046              4.5               (10,000)         (100.0)

       1,562,566   105,418,673             10,000     15,245,749     76,644,901           459,364     12,301,561             12,980           144,900           599,218

    11,919,745     85,611,744           237,748     12,350,982               1,500

        (3,326,004)          8,966,843            (221,616)                49,421               (11,480)            (144,900)            (599,218)

          (21.8)            11.7           (48.2)               0.4           (88.4)         (100.0)         (100.0)

  227,036,207

  156,871,333

      (70,164,874)           (30.9)


Banco Nacional de Fomento

Gerencia de Riesgos

19

CREDITO ORIGINAL POR LINEAS DE FINANCIAMIENTO SEGUN SUCURSALES A ABRIL DE 2011 en dólares

SUCURSALES Y ZONALES

Microcrédito No.

Valor

Plan 555 No.

Valor

QUITO TULCAN SAN GABRIEL EL ANGEL IBARRA OTAVALO CAYAMBE MACHACHI LOS BANCOS ZONAL QUITO RIOBAMBA ALAUSI CHUNCHI AMBATO LATACUNGA EL CORAZON LA MANA GUARANDA ZONAL RIOBAMBA CUENCA CAÑAR AZOGUES GUALACEO PAUTE GIRON LA TRONCAL ZONAL CUENCA LOJA GONZANAMA CARIAMANGA MACARA ZAPOTILLO ALAMOR CELICA CATACOCHA ZAMORA ZUMBA ZONAL LOJA SANTO DOMINGO ESMERALDAS MUISNE QUININDE BABAHOYO QUEVEDO VENTANAS VINCES CATARAMA ZONAL STO.DOMINGO PORTOVIEJO MANTA BAHIA CHONE EL CARMEN JIPIJAPA CALCETA PEDERNALES ZONAL PORTOVIEJO GUAYAQUIL PEDRO CARBO DAULE BALZAR MILAGRO EL TRIUNFO EL EMPALME NARANJAL SANTA ELENA PTO. BAQUERIZO ZONAL GUAYAQUIL MACHALA SANTA ROSA ARENILLAS PIÑAS ZARUMA ZONAL MACHALA PUYO TENA BAEZA ORELLANA LAGO AGRIO SHUSHUFINDI MACAS SUCUA MENDEZ LIMON INDANZA GUALAQUIZA ZONAL PUYO

           65            68            57            51            27            46              8              6            15          343          588            95            56          222          351              8          234          426      1,980            66            24            11            70            23            41            18          253            54            45            68          135          202            44          116            43            49            38          794              8            52          134          157            70          106            61            59              1          648          316          165          130          358            59          166          439          101      1,734          193            14            48          138            17            32            64            25          192            28          751          100            32            37            73            36          278          207            51            21            73            94            29            43            16              4              9            13          560

             331,688              300,550              252,994              207,081                83,565              198,832                23,840                28,928                55,726          1,483,204           2,024,132              345,449              170,318              502,640           1,199,548                23,059              920,602              917,179          6,102,927              316,652              116,101                54,770              214,601              115,700              146,626                67,450          1,031,900              222,107              166,418              142,369              228,310              326,272              116,650              286,210              117,922              207,670              176,607          1,990,535                49,954              192,614              564,550              539,720              272,733              343,639              184,142              169,148                   2,000          2,318,500              687,512              401,396              232,487           1,332,400              236,850              252,427              859,546              301,730          4,304,348              589,052                26,610              181,277              427,861                60,500                88,344              213,455                93,600              496,206              160,498          2,337,403              484,300              109,800              118,102              235,110              133,600          1,080,912              705,501              169,470              103,389              367,648              418,364              152,370              220,800                77,000                21,492                44,600                72,032          2,352,666

        250              3            20            13            51            43            39            19            26         464         102            19            42              5              5            39            39            27         278            29            20              7            20              7              4            15         102            10            11              5            15              7            47              3            29            62            57         246         216              6            59         141         143            27         116         175            34         917

             821,383                12,311                72,880                42,731                98,830              156,750                96,796                66,591                81,550          1,449,822              266,290                44,613                77,212                21,000                20,324                82,562              149,451                69,990              731,442                91,142                78,560                33,400                48,500                25,800                   9,500                57,395              344,297                30,717                48,105                23,000                29,561                15,121              104,176                   5,110                77,091              248,620              231,300              812,801              774,504                14,080              227,350              460,100              275,671                80,405              302,706              390,099                86,246          2,611,161

           65              9              5            40            48            71            47         285         142            32         145            29            19              3         240            15            43            15         683            32              3            36            23            25         119              5         114            65            48         133            52            84            39            28            64            38         670

SIERRA COSTA E INSULAR AMAZONIA NACIONAL

     3,283      3,411          647      7,341

       10,224,289        10,041,163          2,736,943        23,002,395

        971      2,004         789      3,764

FUENTE: Información de Sucursales ELABORACION: Departamento de Estudios e Investigaciones

Crédito Desarrollo Humano No. Valor

             146,633                14,790                12,800              150,012                69,848              126,997              124,300              645,380              328,063                63,231              399,282                83,975                53,000                11,000              511,255                46,150              114,428                69,000          1,679,384              134,900                   3,700              107,519                67,220                86,770              400,109                23,000              381,929              246,365              179,795              440,087              121,936              256,900              115,410              122,599              268,798              164,350          2,321,169

             354              107                60                72              128              198              123                36                82          1,160              436                53                68              219              151                88              112              247          1,374              156                71                72              103                47                28                66              543              257                21                54                59              101                31                57                86              109                44              819              391              288              180              258              357              437              182              154              256          2,503              498              392              175              157              149              224              247                98          1,940          2,415              286              322              239              194              261              171              156              326                  2          4,372              236              142              234                68                35              715                82              165                51              274              260                63                89                32                14                25                44          1,099

              141,246                  42,693                  23,940                  28,728                  51,072                  79,002                  49,077                  14,364                  32,718               462,840               173,964                  21,147                  27,132                  87,381                  60,249                  35,112                  44,688                  98,553               548,226                  62,244                  28,329                  28,728                  41,097                  18,753                  11,172                  26,334               216,657               102,543                    8,379                  21,546                  23,541                  40,299                  12,369                  22,743                  34,314                  43,491                  17,556               326,781               156,009               114,912                  71,820               102,942               142,443               174,363                  72,618                  61,446               102,144               998,697               198,702               156,408                  69,825                  62,643                  59,451                  89,376                  98,553                  39,102               774,060               963,585               114,114               128,478                  95,361                  77,406               104,139                  68,229                  62,244               130,074                       798            1,744,428                  94,164                  56,658                  93,366                  27,132                  13,965               285,285                  32,718                  65,835                  20,349               109,326               103,740                  25,137                  35,511                  12,768                    5,586                    9,975                  17,556               438,501

         2,858,442          5,336,034          2,801,089        10,995,565

         3,743          9,530          1,252        14,525

           1,493,457            3,802,470               499,548            5,795,475

Programas Especiales No.

Valor

          5           2           1           2           3           3

            183,400               93,603               93,656               36,000               85,500               81,915

       16           2           9           4

            574,074             195,450               69,933               47,000

          3           3           5           2        28           1

              36,198               39,220             228,131               38,750             654,682               49,996

          4

            110,800

          2           2           1        10           1

            100,000               96,000               30,000             386,796               15,400

          1

              10,000

          3           4           1        10        56           3           1        33           3           3           1           8           5      113        10

              46,000               82,000               30,400             183,800             882,785               75,000               20,000             900,414               44,839               46,000               40,000             127,640               61,957         2,198,635             245,438

          5

            264,228

          1

              12,000

       16           3           4           4           1           1

            521,666               68,992               52,000               48,400               15,312             899,874

          8

            234,500

       21           3           1           1

        1,319,078               64,600               26,035               20,000

          5        51           5           2

            110,635             437,684               95,056               20,400

          3           5           5           2           1           1           1        76        59      155        81      295

Fondos Propios No.

Total Original Valor

No.

Valor

              53,600             132,673             109,600               69,000               41,600               28,000               19,200         1,006,813

       ��  101           110           191           106           138           164             99             71             91        1,071           581           189             96           297           313           243           142           353        2,214           105             86           109           111             42             69             52           574           262             81             92           158           118             45           146           131           183           114        1,330           175           308           247           142           275           301           106           316             94        1,964           325           260           146           300             65           266           195             82        1,639           359           131           322           242           107             94           358           164           172             71        2,020           168           113             80           104             55           520           302           255           129           170           180           200           147           106             54           108             80        1,731

            1,808,908                 991,520             1,896,532             1,051,452                 998,711             1,627,300                 837,955                 816,508             1,055,940           11,084,826             3,772,737             1,215,718                 784,217             2,062,485             2,183,742             1,294,747             1,692,071             2,326,603           15,332,320             1,494,928                 923,170             1,226,861                 925,581                 477,517                 504,290                 475,876             6,028,223             2,027,172                 710,580                 761,685                 913,054                 698,935                 385,753                 642,617                 882,502             1,717,842             1,054,246             9,794,386             2,565,227             2,793,219             1,540,150             1,989,153             2,221,432             2,299,387                 891,106             1,607,079                 557,249           16,464,002             2,558,539             1,951,516                 923,503             3,333,475                 855,850             1,123,986             1,286,910             1,049,294           13,083,073             3,463,713                 681,436             1,803,919             1,445,597                 887,766                 762,500             2,185,323             1,501,593             1,622,673                 818,200           15,172,720             1,583,236             1,042,060                 805,087                 880,596                 505,480             4,816,459             3,653,320             2,281,954             1,210,892             1,566,600             1,686,462             2,151,325             1,654,737             1,223,103                 830,052             1,048,885             1,038,380           18,345,710

             775              290              329              244              347              454              269              132              214          3,054          1,709              365              266              743              823              381              532          1,055          5,874              357              201              203              304              121              144              152          1,482              584              158              219              367              428              168              322              292              407              254          3,199              846              657              621              731              848              874              466              712              390          6,145          1,149              882              460              825              313              704              953              328          5,614          3,112              467              841              649              338              390              841              360              733              116          7,847              539              291              388              268              151          1,637              647              590              268              565              670              349              368              195              101              207              176          4,136

           3,286,625            1,440,677            2,340,002            1,365,992            1,317,678            2,143,799            1,007,668               926,391            1,225,934          15,054,766            6,432,573            1,696,860            1,105,879            2,673,506            3,500,061            1,474,700            3,034,943            3,451,075          23,369,597            2,014,962            1,146,160            1,454,559            1,229,779               737,770               767,588               657,055            8,007,873            2,397,939               933,482               948,600            1,194,466            1,080,627               628,948               956,680            1,157,829            2,299,623            1,510,109          13,108,303            4,428,479            3,189,825            2,423,870            3,992,329            2,957,118            2,943,794            1,490,572            2,355,412               809,596          24,590,995            3,690,191            2,655,953            1,240,605            5,005,546            1,302,163            1,535,637            2,384,006            1,514,426          19,328,527            5,413,405               937,391            2,561,356            2,068,106            1,978,546               965,983            3,212,762            1,703,587            2,363,381            1,048,496          22,253,013            2,361,200            1,238,253            1,144,074            1,210,058               739,815            6,693,400            4,852,223            2,994,244            1,601,395            2,223,369            2,702,253            2,583,441            2,277,548            1,497,281            1,021,329            1,400,258            1,311,518          24,464,859

        1,686,952         4,150,014         1,119,213         6,956,179

       4,892        6,143        2,028     13,063

          39,467,667           49,536,254           21,117,798         110,121,719

       12,948        21,243          4,797        38,988

         55,730,807          72,865,935          28,274,591       156,871,333


Banco Nacional de Fomento

Gerencia de Riesgos

20

CREDITO ORIGINAL POR LINEAS DE FINANCIAMIENTO POR MESES A ABRIL DE 2011 en dólares

Lineas de Financiamiento

Ene

Feb

Mar

Abr

Total 

Microcrédito

           3,381,455               5,830,798              6,999,124            6,791,018                    23,002,395

Plan 555

           2,066,678               2,115,193              2,936,633            3,877,061                    10,995,565

Crédito Desarr. Humano

                 68,628               1,642,284              1,897,644            2,186,919                      5,795,475

Programas Especiales

               740,723               1,346,135              2,082,275            2,787,046                      6,956,179

Fondos Propios

         19,138,030            24,517,997            33,994,617          32,471,075                  110,121,719

 TOTAL

         25,395,514

           35,452,407

           47,910,293

         48,113,119

                 156,871,333

número de operaciones

Lineas de Financiamiento

Ene

Feb

Mar

Abr

Total 

Microcrédito

                   1,228                      2,090                      2,114                    1,909                              7,341

Plan 555

                       816                          749                         956                    1,243                              3,764

Crédito Desarr. Humano

                       172                      4,116                      4,756                    5,481                            14,525

Programas Especiales

                         42                          113                            70                          70                                 295

Fondos Propios

                   2,410                      3,218                      3,713                    3,722                            13,063

 TOTAL

                   4,668                    10,286

FUENTE: Información de Sucursales ELABORACION: Departamento de Estudios e Investigaciones

                   11,609

                 12,425

                           38,988


/Abril%202011