Page 1

BNF Banco Nacional de Fomento

INFORME GERENCIAL Datos Semidefinitivos

Febrero de 2011

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


Febrero de cada año Miles de dólares Crédito Original y Renovado 120,000

Crédito Total 120,000

100,000

100,000

80,000

80,000

60,000

60,000

40,000

40,000 20,000

20,000 0

total

2008 52,574

2009 68,544

2010 102,026

2011 65,799

2007

2008

2009

2010

Original

51,281

63,658

97,952

60,848

Renovado

1,294

4,886

4,074

4,951

CRÉDITO ORIGINAL POR ZONALES

Loja 10%

Sto. Domingo 18% Portoviejo 13%

Cuenca 5%

Guayaquil 12%

Riobamba 14%

CRÉDITO ORIGINAL POR DESTINO

Machala 4% Quito 8%

Puyo 16%

40,000 30,000 , 20,000 10,000 0 Cul. Agr.

Pecuario

P. I. A.

Comercio

Consumo

Otros

2010

19,435

25,655

6,900

32,293

4,617

9051.803

2011

14,990

16,463

2,422

17,492

5,328

4153.254

CREDITO ORIGINAL POR LINEAS

CREDITO ORIGINAL POR MESES 2010

2011

90,000 80,000

60,000

70,000

50 000 50,000

60,000

40,000

50,000 40,000 30,000

30,000 20,000 10,000

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 FEBRERO DE CADA AÑO valores en dólares

2010 REGION

NUMERO

2011

VALOR

NUMERO

VALOR

VARIACION NUMERO

VALOR

%

CREDITO ORIGINAL SIERRA

   15,213     30,239,168

      5,117     20,817,487

       (10,096)       (9,421,681)

‐31.2%

COSTA E INS.

   34,594     53,806,393

      7,896     28,717,453

       (26,698)     (25,088,940)

‐46.6%

AMAZONIA

      8,357     13,906,412

      1,941     11,312,981

         (6,416)       (2,593,431)

‐18.6%

NACIONAL

   58,164     97,951,973

   14,954     60,847,921

       (43,210)     (37,104,052)

‐37.9%

CREDITO RENOVADO SIERRA

         156           695,280

         116           447,132

               (40)          (248,148)

‐35.7%

COSTA E INS.

      1,080        3,286,770

      1,117        4,408,650

                37        1,121,880

34.1%

AMAZONIA

           27             91,916

           17             95,200

               (10)                3,284

3.6%

NACIONAL

      1,263       4,073,966

      1,250       4,950,982

              (13)            877,016

21.5%

CREDITO TOTAL SIERRA

   15,369     30,934,448

      5,233     21,264,619

       (10,136)       (9,669,829)

‐31.3%

COSTA E INS.

   35,674     57,093,163

      9,013     33,126,103

       (26,661)     (23,967,060)

‐42.0%

AMAZONIA

      8,384     13,998,328

      1,958     11,408,181

         (6,426)       (2,590,147)

‐18.5%

NACIONAL

   59,427   102,025,939

   16,204     65,798,903

       (43,223)     (36,227,036)

‐35.5%

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 FEBRERO 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

                  242                      85                    127                      63                    121                    130                      61                      30                      84                    943                    517                    158                    105                    309                    337                    152                    178                    514                 2,270                    133                      90                      87                    126                      56                      59                      54                    605                    243                      66                      93                    191                    256                    101                    229                    120                    180                      93                 1,572                    321                    176                    248                    281                    347                    385                    251                    428                    175                 2,612                    423                    300                    174                    333                      87                    293                    450                    114                 2,174                    699                    185                    284                    309                      98                    122                    396                    105                    211                      43                 2,452                    158                    134                    164                    118                      84                    658                    311                    267                    109                    182                    193                    157                    125                      96                      40                      98                      90                 1,668

             1,133,750                   391,469                   904,123                   329,868                   512,112                   707,206                   180,279                   258,491                   435,914               4,853,212               1,704,590                   668,820                   455,063               1,131,615               1,444,249                   599,868                   868,710               1,513,212               8,386,127                   732,040                   446,730                   606,738                   586,760                   370,724                   273,027                   114,651               3,130,670               1,053,221                   309,605                   340,245                   563,722                   648,646                   348,961                   679,216                   503,862               1,061,364                   440,339               5,949,181               1,759,430                   824,291               1,153,753               1,343,259               1,439,846               1,527,039               1,007,722               1,524,649                   541,807             11,121,796               1,686,147               1,240,445                   419,780               2,147,900                   266,818                   666,169               1,120,601                   436,687               7,984,547                   946,175                   505,482                   965,679               1,070,231                   377,070                   315,812               1,217,495                   485,186                   772,502                   333,996               6,989,628                   672,785                   618,835                   474,056                   442,832                   412,974               2,621,482               1,971,530               1,421,419                   630,117                   643,625                   844,731               1,158,365                   622,491                   714,679                   445,027                   698,090                   661,204               9,811,278

SIERRA COSTA E INSULAR AMAZONIA NACIONAL

               5,117                 7,896                 1,941              14,954

           20,817,487             28,717,453             11,312,981             60,847,921

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

RENOVADO NUMERO VALOR                   4                    9                    2                    8                    4                    5                    9                    1                    2                  44                    5                    2

                  58,200                    31,215                    13,890                    51,437                    13,990                    13,186                    23,820                      4,062                    53,600                  263,400                    31,703                      9,845

                  3                    1                    1                    6

                  13,885                    14,718                      2,000                    14,110

                18                    4                    1

                  86,261                      8,653                      2,231

NUMERO

                  4

                    2,804

                  1                    4                  14                    5

                       867                      7,219                    21,774                    16,307

                  7                  18                    1                    9

                  16,331                    22,903                      7,486                    12,670

                40                  11                  11

                  75,697                    61,501                    46,432

                15                  35                  69                  34                  60                  13                248                  90                  50                  15                    5                    7                  29                  28                  26                250                169                117                  76                  63                  21                    9                  34                  30                  59                  15                593                    5                    9                  12

                126,160                  174,922                  391,564                    97,284                  214,031                    50,550              1,162,444                  276,647                  100,251                    33,340                      9,088                    17,900                    50,260                    49,728                    41,420                  578,634                  785,609                  212,549                  303,978                  268,037                    93,233                    90,608                    99,171                    78,072                  256,213                  347,686              2,535,156                    43,917                    37,727                    50,772

                26                    3

                132,416                    31,954

                  4                    2                    2

                  37,568                    16,190                      2,850

                  5

                    6,066

                  1

                       572

                17

                  95,200

                246                    94                  129                    71                  125                  135                    70                    31                    86                  987                  522                  160                  105                  312                  338                  153                  184                  514              2,288                  137                    91                    87                  130                    56                    60                    58                  619                  248                    66                    93                  198                  274                  102                  238                  120                  180                    93              1,612                  332                  187                  248                  296                  382                  454                  285                  488                  188              2,860                  513                  350                  189                  338                    94                  322                  478                  140              2,424                  868                  302                  360                  372                  119                  131                  430                  135                  270                    58              3,045                  163                  143                  176                  118                    84                  684                  314                  267                  113                  184                  195                  157                  130                    96                    40                    99                    90              1,685

              116             1,117                  17             1,250

                447,132              4,408,650                    95,200              4,950,982

            5,233              9,013              1,958            16,204

TOTAL VALOR                    1,191,950                         422,684                         918,013                         381,305                         526,102                         720,392                         204,099                         262,553                         489,514                     5,116,612                     1,736,293                         678,665                         455,063                     1,145,500                     1,458,967                         601,868                         882,820                     1,513,212                     8,472,388                         740,693                         448,961                         606,738                         589,564                         370,724                         273,894                         121,870                     3,152,444                     1,069,528                         309,605                         340,245                         580,053                         671,549                         356,447                         691,886                         503,862                     1,061,364                         440,339                     6,024,878                     1,820,931                         870,723                     1,153,753                     1,469,419                     1,614,768                     1,918,603                     1,105,006                     1,738,680                         592,357                   12,284,240                     1,962,794                     1,340,696                         453,120                     2,156,988                         284,718                         716,429                     1,170,329                         478,107                     8,563,181                     1,731,784                         718,031                     1,269,657                     1,338,268                         470,303                         406,420                     1,316,666                         563,258                     1,028,715                         681,682                     9,524,784                         716,702                         656,562                         524,828                         442,832                         412,974                     2,753,898                     2,003,484                     1,421,419                         667,685                         659,815                         847,581                     1,158,365                         628,557                         714,679                         445,027                         698,662                         661,204                     9,906,478                   21,264,619                   33,126,103                   11,408,181                   65,798,903


Banco Nacional de Fomento

Gerencia de Riesgos

6

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

TOTAL 2010

ENE.

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

                                  242                                      85                                    127                                      63                                    121                                    130                                      61                                      30                                      84                                    943                                    517                                    158                                    105                                    309                                    337                                    152                                    178                                    514                                 2,270                                    133                                      90                                      87                                    126                                      56                                      59                                      54                                    605                                    243                                      66                                      93                                    191                                    256                                    101                                    229                                    120                                    180                                      93                                 1,572                                    321                                    176                                    248                                    281                                    347                                    385                                    251                                    428                                    175                                 2,612                                    423                                    300                                    174                                    333                                      87                                    293                                    450                                    114                                 2,174                                    699                                    185                                    284                                    309                                      98                                    122                                    396                                    105                                    211                                      43                                 2,452                                    158                                    134                                    164                                    118                                      84                                    658                                    311                                    267                                    109                                    182                                    193                                    157                                    125                                      96                                      40                                      98                                      90                                 1,668

SIERRA COSTA E INSULAR AMAZONIA NACIONAL

                                     1,639                                       2,458                                          571                                       4,668

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

                               5,117                                 7,896                                 1,941                              14,954

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


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.                                                                                                                                                                                                                                                                                                                   

2 2 2 3 1 2 6

FEB.

                             5                               3                               3                               3                               1                               1                             25                               4                               1

                                     4                                       9                                       2                                       8                                       4                                       5                                       9                                       1                                       2                                    44                                       5                                       2

                                           1

                                                                                                                      

2 1 1 6

                                     3                                       1                                       1                                       6

                                           3                                             2                                             1

                           15                               2

                                  18                                       4                                       1

                                           1                                           19                                             1                                             1

                             2                               7

TOTAL 2010

                                           2

                             2

                                     4

                                           5                                             2

                                                                                                                      

1 4 9 3

                                     1                                       4                                    14                                       5

                             4                             17

                                                                                                                                                                              

3 1 1 6

                             3

                                     7                                    18                                       1                                       9

                                         13                                             8                                             4

                           27                               3                               7

                                  40                                    11                                    11

                                           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

                                  15                                    35                                    69                                    34                                    60                                    13                                  248                                    90                                    50                                    15                                       5                                       7                                    29                                    28                                    26                                  250                                  169                                  117                                    76                                    63                                    21                                       9                                    34                                    30                                    59                                    15                                  593                                       5                                       9                                    12

                                         11                                             2

                           15                               1

                                  26                                       3

                                           3                                             1                                             1

                             1                               1                               1

                                     4                                       2                                       2

                                           2

                             3

                                     5

                             1

                                     1

                                           9

                             8

                                  17

                                         40                                        498                                             9                                        547

                           76                           619                               8                           703

                                116                               1,117                                    17                               1,250

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


Banco Nacional de Fomento

Gerencia de Riesgos

8

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

TOTAL 2010

ENE.

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

                                 246                                     94                                   129                                     71                                   125                                   135                                     70                                     31                                     86                                   987                                   522                                   160                                   105                                   312                                   338                                   153                                   184                                   514                                2,288                                   137                                     91                                     87                                   130                                     56                                     60                                     58                                   619                                   248                                     66                                     93                                   198                                   274                                   102                                   238                                   120                                   180                                     93                                1,612                                   332                                   187                                   248                                   296                                   382                                   454                                   285                                   488                                   188                                2,860                                   513                                   350                                   189                                   338                                     94                                   322                                   478                                   140                                2,424                                   868                                   302                                   360                                   372                                   119                                   131                                   430                                   135                                   270                                     58                                3,045                                   163                                   143                                   176                                   118                                     84                                   684                                   314                                   267                                   113                                   184                                   195                                   157                                   130                                     96                                     40                                     99                                     90                                1,685

SIERRA COSTA E INSULAR AMAZONIA NACIONAL

                                    1,679                                      2,956                                          580                                      5,215

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

                              5,233                                9,013                                1,958                             16,204

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


Banco Nacional de Fomento

Gerencia de Riesgos

9

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

TOTAL 2010

ENE.

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 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

                                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

                      1,133,750                           391,469                           904,123                           329,868                           512,112                           707,206                           180,279                           258,491                           435,914                        4,853,212                        1,704,590                           668,820                           455,063                        1,131,615                        1,444,249                           599,868                           868,710                        1,513,212                        8,386,127                           732,040                           446,730                           606,738                           586,760                           370,724                           273,027                           114,651                        3,130,670                        1,053,221                           309,605                           340,245                           563,722                           648,646                           348,961                           679,216                           503,862                        1,061,364                           440,339                        5,949,181                        1,759,430                           824,291                        1,153,753                        1,343,259                        1,439,846                        1,527,039                        1,007,722                        1,524,649                           541,807                     11,121,796                        1,686,147                        1,240,445                           419,780                        2,147,900                           266,818                           666,169                        1,120,601                           436,687                        7,984,547                           946,175                           505,482                           965,679                        1,070,231                           377,070                           315,812                        1,217,495                           485,186                           772,502                           333,996                        6,989,628                           672,785                           618,835                           474,056                           442,832                           412,974                        2,621,482                        1,971,530                        1,421,419                           630,117                           643,625                           844,731                        1,158,365                           622,491                           714,679                           445,027                           698,090                           661,204                        9,811,278

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

                   20,817,487                     28,717,453                     11,312,981                     60,847,921

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 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

ENE.

FEB.

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

                    54,900                      26,595

TOTAL 2010

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

                           58,200                             31,215                             13,890                             51,437                             13,990                             13,186                             23,820                                4,062                             53,600                           263,400                             31,703                                9,845

                                    2,385

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

                           13,885                             14,718                                2,000                             14,110

                                  13,360                                      6,760                                      2,231

                    72,901                        1,893

                           86,261                                8,653                                2,231

                                    1,936

                          868

                              2,804

                                  10,927                                      5,750

                          867                        7,219                      10,847                      10,557

                                 867                                7,219                             21,774                             16,307

                      8,906                      21,553

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

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

                      2,970

                           16,331                             22,903                                7,486                             12,670

                                  31,711                                    46,820                                    23,491

                    43,986                      14,681                      22,941

                           75,697                             61,501                             46,432

                                  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

                         126,160                           174,922                           391,564                             97,284                           214,031                             50,550                        1,162,444                           276,647                           100,251                             33,340                                9,088                             17,900                             50,260                             49,728                             41,420                           578,634                           785,609                           212,549                           303,978                           268,037                             93,233                             90,608                             99,171                             78,072                           256,213                           347,686                        2,535,156                             43,917                             37,727                             50,772

                                  80,360                                    29,497

                    52,056                        2,457

                         132,416                             31,954

                                  33,859                                      9,190                                          850

                      3,709                        7,000                        2,000

                           37,568                             16,190                                2,850

                                    2,555

                      3,511

                              6,066

                          572

                                 572

                                  75,951

                    19,249

                           95,200

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

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

                         447,132                        4,408,650                             95,200                        4,950,982

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


Banco Nacional de Fomento

Gerencia de Riesgos

11

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

TOTAL 2010

ENE.

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 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

                                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

                      1,191,950                           422,684                           918,013                           381,305                           526,102                           720,392                           204,099                           262,553                           489,514                        5,116,612                        1,736,293                           678,665                           455,063                        1,145,500                        1,458,967                           601,868                           882,820                        1,513,212                        8,472,388                           740,693                           448,961                           606,738                           589,564                           370,724                           273,894                           121,870                        3,152,444                        1,069,528                           309,605                           340,245                           580,053                           671,549                           356,447                           691,886                           503,862                        1,061,364                           440,339                        6,024,878                        1,820,931                           870,723                        1,153,753                        1,469,419                        1,614,768                        1,918,603                        1,105,006                        1,738,680                           592,357                     12,284,240                        1,962,794                        1,340,696                           453,120                        2,156,988                           284,718                           716,429                        1,170,329                           478,107                        8,563,181                        1,731,784                           718,031                        1,269,657                        1,338,268                           470,303                           406,420                        1,316,666                           563,258                        1,028,715                           681,682                        9,524,784                           716,702                           656,562                           524,828                           442,832                           412,974                        2,753,898                        2,003,484                        1,421,419                           667,685                           659,815                           847,581                        1,158,365                           628,557                           714,679                           445,027                           698,662                           661,204                        9,906,478

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

                   21,264,619                     33,126,103                     11,408,181                     65,798,903

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 FEBRERO 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.               65,198                65,162                97,041              182,639              199,956              143,507                34,654              121,047              909,204              451,753              135,676              205,052              150,356                48,572                49,850              612,400          1,653,659                22,596                     399                     399                     399                41,045                11,898                22,883                99,619                71,009                40,760                29,666              102,786              282,263              142,917              468,352                75,114                15,800                60,650          1,289,317              311,148                91,243              554,600              509,903              917,169              810,443              535,371          1,059,307              355,749          5,144,933              330,130                52,232              136,952              217,761              156,709              305,887              533,472                  1,500          1,734,643                75,870              273,932              488,894              702,041              211,203                96,283              777,991              250,546                30,500

PECUARIO             211,881                73,503                36,405                44,936                51,594                93,944                80,028              102,394              246,788              941,473              588,038              188,753              242,467              328,199              707,454              224,588              450,845              472,120          3,202,464              285,863              226,667              254,043              241,286                60,891                46,363

MAQUIN. AGRIC.

MEJ. TERRIT.

              52,000              5,000                  6,300                53,130                24,000                40,000            35,000              1,600                  6,300            41,600              181,730            10,000                38,000                59,509                39,000              118,991            30,098                58,869                34,090            40,098              348,459                     399              4,800                66,000              4,000                43,000              166,500                20,000

PEQ. IND.  MOVILIZ. ARTESAN.             177,674               96,394

            8,800              295,899                65,200

              16,285              987,386

        1,115,113              389,679              202,745                73,644              119,908              206,601              148,596                60,996              266,298              685,882              232,789          2,387,138              459,140              172,575              135,679              269,225                  4,389                15,495                     798                46,238                  3,987          1,107,526              586,092                40,399                42,100          1,055,382                71,341                51,010              266,046              197,589          2,309,959                39,985                47,798                40,000              139,765                  1,197                  8,694                93,095                  1,596                63,500                  7,000              442,630                52,850                50,772              126,817              209,058              223,905              663,402              873,099              313,577              299,077              195,586              244,496              190,047              302,475              404,288              398,799              595,994              475,503          4,292,941

              23,331              1,964              697,102

           349,092               37,238                 7,000                 1,100                 3,501                 6,000                 1,599                          ‐                          ‐               66,432               12,296             135,166               14,399               36,894                    798               37,293               19,781               78,896               14,590               13,813                    798             217,262               45,091               40,199               35,795                 7,449                 1,197                 1,596                 7,000                 4,399             142,726               67,467                 1,197               11,197                 5,997                 1,197               36,856               35,500                 3,000               87,699               15,000             265,110               41,096               53,696               24,899               64,690               44,200             228,581               17,399               12,960               19,341               14,391               11,596               62,050                 3,500               42,000                 5,000                 3,000               17,470             208,707

        3,875,349        10,050,316          1,063,836        14,989,501

        6,727,517          4,523,517          5,211,612        16,462,646

          92,298          522,016              1,964          616,278

       1,281,217             853,679             287,435         2,422,331

        2,907,260                65,337              131,197                21,352                28,556                17,038              263,480                99,800                29,207                51,996                60,687              181,497              507,743                19,575                12,798                  7,798

            1,800                  3,000                32,500                55,700                16,000              1,800              172,400              402,747              4,800                10,000              4,000              184,800                38,583            59,000                20,000          159,313                61,966            12,000                56,798                26,917          239,113              801,811              4,889              115,872            15,040                  4,500            20,300              4,982              205,428            15,000                  7,000            60,211              332,800            27,600                14,000            15,000                53,120                10,560            34,184            15,380                16,437              2,400                27,600            35,400                56,175            19,300                  4,000            46,518                30,000          195,782              211,892            21,159              107,396              5,000              113,700                48,100                  751                37,587            26,910              306,783              341,028                74,856              1,964                20,400                  8,778                40,800                84,709                67,200                36,000

            982,488          1,653,286              713,102          3,348,876

     9,000

             624,347               124,067               676,177                  49,163               169,664               315,759                  46,297                  32,097                  21,679            2,059,250               455,905                  52,324                  54,508               275,381               237,296               287,828               313,127               140,369            1,816,738               198,335                  60,515               156,948               152,177                  87,488               118,166                  74,768               848,397               480,770                  35,100                  86,885               270,627               117,282                  55,849               117,368                  73,450               196,755                  53,054            1,487,140               477,087               361,309               376,576               332,618               296,924               422,755               231,684               271,293               137,056            2,907,302               531,273               897,285               135,087               656,898                  37,571               115,326               222,623               196,290            2,792,353               722,053               143,555               314,708               201,868               106,844               139,462               130,309               111,369               488,803               147,478            2,506,449               336,947               197,170               183,027                  62,490               124,231               903,865               538,954               512,613               156,135               135,043               344,842                  71,436               117,090                  78,798                  33,430                  85,796                  96,115            2,170,252

   28,500   150,600       9,000   188,100

          5,961,716            9,109,969            2,420,061          17,491,746

             66,598               66,796                 3,000               55,000             465,462               21,874               49,204               11,788             163,192             126,446                 8,930               12,798               15,993             410,225             207,847               10,399               10,148             113,898                 4,800                 2,000

R E N O V A D O ACT. COMER.  Y SERV.

   13,500       2,000

   15,500

   13,000     13,000

     1,850

   11,000     49,550       4,000     66,400       7,500

     4,000       2,700     14,200       5,000     24,000     31,000     10,000

   70,000

     2,000

     7,000

CONSUMO                2,650               21,043               94,500

TOTAL

PRODUC CONSUMO

TOTAL

              58,200                31,215                13,890                51,437                13,990                13,186                23,820                  4,062                53,600              263,400                31,703                  9,845

             58,200               31,215               13,890               51,437               13,990               13,186               23,820                 4,062               53,600             263,400               31,703                 9,845

              13,885                14,718                  2,000                14,110

             13,885               14,718                 2,000               14,110

              86,261                  8,653                  2,231

             86,261                 8,653                 2,231

                2,804

               2,804

                   867                  7,219                21,774                16,307

                  867                 7,219               21,774               16,307

              16,331                22,903                  7,486                12,670

             16,331               22,903                 7,486               12,670

              75,697                61,501                46,432

             75,697               61,501               46,432

            126,160              174,922              391,564                97,284              214,031                50,550          1,162,444              276,647                94,442                33,340                  9,088                17,900                50,260                49,728                41,420              572,825              785,609              211,998              303,978              268,037                93,233                90,608                93,924                78,072              240,821              344,635          2,510,915                43,917                37,727                50,772

           126,160             174,922             391,564               97,284             214,031               50,550         1,162,444             276,647             100,251               33,340                 9,088               17,900               50,260               49,728               41,420             578,634             785,609             212,549             303,978             268,037               93,233               90,608               99,171               78,072             256,213             347,686         2,535,156               43,917               37,727               50,772

             13,300               32,500         1,443,926

          1,133,750               391,469               904,123               329,868               512,112               707,206               180,279               258,491               435,914            4,853,212            1,704,590               668,820               455,063            1,131,615            1,444,249               599,868               868,710            1,513,212            8,386,127               732,040               446,730               606,738               586,760               370,724               273,027               114,651            3,130,670            1,053,221               309,605               340,245               563,722               648,646               348,961               679,216               503,862            1,061,364               440,339            5,949,181            1,759,430               824,291            1,153,753            1,343,259            1,439,846            1,527,039            1,007,722            1,524,649               541,807          11,121,796            1,686,147            1,240,445               419,780            2,147,900               266,818               666,169            1,120,601               436,687            7,984,547               946,175               505,482               965,679            1,070,231               377,070               315,812            1,217,495               485,186               772,502               333,996            6,989,628               672,785               618,835               474,056               442,832               412,974            2,621,482            1,971,530            1,421,419               630,117               643,625               844,731            1,158,365               622,491               714,679               445,027               698,090               661,204            9,811,278

       1,868,402         1,854,070         1,605,971         5,328,443

        20,817,487          28,717,453          11,312,981          60,847,921

            447,132          4,378,600                95,200          4,920,932

                  300               47,200               16,300               34,000               38,500             254,493             125,520             183,354             105,300               40,800             133,730               29,950                 8,000             272,330             898,984               17,000             143,950             119,200               32,000               10,000               74,600                 4,000             400,750                 9,325               24,000             148,950               62,100                 4,000               32,500               33,300               80,495               81,550             476,220               93,059             147,470               82,100                 9,420             152,000               70,900               65,200               17,300             637,449               65,300             190,790               49,546             166,350               88,760               36,909             597,655                 8,200                 1,000               11,760               22,445                 2,700             150,600               27,100               78,700               88,000             390,505               48,000               67,300               69,861               39,700                 3,600             228,461             101,250             476,206               81,204             229,140               21,500             235,380             112,651             140,795

         5,809

         5,809              551

         5,247        15,392           3,051        24,241

            132,416                31,954

           132,416               31,954

              37,568                16,190                  2,850

             37,568               16,190                 2,850

                6,066

               6,066

                   572

                  572

              95,200

             95,200

      30,050        30,050

           447,132         4,408,650               95,200         4,950,982


Banco Nacional de Fomento

Gerencia de Riesgos

13

CREDITO TOTAL POR RUBROS DE INVERSION SEGUN SUCURSALES Y ZONALES A FEBRERO 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 65,198 73,862 104,031 224,422 201,686 143,507 41,604 121,047 975,357 475,036 135,676 205,052 150,356 50,572 52,610 612,400 1,681,702 22,596 399 399 399 41,045 11,898 22,883 99,619 71,009 40,760 29,666 105,347 301,416 142,917 481,022 75,114 15,800 60,650 1,323,701 321,402 91,243 554,600 517,603 937,178 904,618 587,050 1,198,968 386,049 5,498,711 402,032 56,932 139,285 218,761 161,909 323,738 544,025 1,500 1,848,182 95,434 308,515 676,067 877,718 278,815 139,283 800,827 281,014 40,480

PECUARIO 219,781 73,503 36,405 47,942 62,054 93,944 81,028 102,394 257,588 974,639 591,983 188,753 242,467 337,584 722,172 224,588 451,995 472,120 3,231,662 285,863 226,667 254,043 241,286 60,891 47,230

16,285 987,386

1,115,980 389,679 202,745 73,644 131,803 209,001 148,596 60,996 266,298 685,882 232,789 2,401,433 491,147 213,138 135,679 343,745 4,389 19,347 798 66,945 3,987 1,279,175 624,733 40,399 48,374 1,059,061 82,341 54,362 279,822 214,168 2,403,260 85,669 54,956 40,000 143,208 1,197 8,694 128,645 1,596 67,600 10,345 541,910 52,850 54,197 138,819 209,058 223,905 678,829 902,596 313,577 299,077 202,586 244,496 190,047 305,861 404,288 398,799 595,994 475,503 4,332,824

4,003,929 11,119,526 1,063,836 16,187,291

6,805,043 4,903,174 5,251,495 16,959,712

3,498,153 65,337 142,197 21,352 28,556 17,038 274,480 99,800 29,207 51,996 60,687 181,497 507,743 19,575 12,798 7,798

MAQUIN. AGRICOLA 5,000

MEJORAS TERRIT. 99,000 6,300 53,130 24,000 40,000

35,000 1,600 41,600 14,475

30,098

6,300 228,730 38,000 59,509 39,000 118,991 58,869 34,090

44,573

348,459 399

4,800 4,000

66,000 43,000 166,500 20,000

8,800

295,899 65,200

1,800

4,000 32,500

55,700 16,000

PEQ. IND. ARTESAN. 177,674 97,814

466,882 21,874 49,204 11,788 163,192 126,446 8,930 12,798 15,993 410,225 209,007 10,399 10,148 114,266 4,800 2,000 350,620 37,238 7,000 1,100 3,501 6,000 1,599

1,964

23,331 697,102

96,773 829,957 1,964 928,694

1,030,488 1,684,085 713,102 3,427,675

1,284,165 934,658 287,435 2,506,258

4,800 4,000

62,300 159,313 12,000 242,413 4,889 15,040 20,925 4,982

173,400 402,747 10,000 184,800 38,583 30,673 61,966 60,529 26,917 816,215 126,372 4,500 205,428

15,000

7,000

1,750 62,586 27,600

343,300

15,000

14,000 53,120 10,560

34,184 15,380 2,400 35,400 28,510 339,574 498,048 21,159 5,000 751 26,910

1,964

16,437 30,575 56,175 4,000 30,000 214,867 107,396 113,700 51,020 37,587 309,703 341,028 74,856 20,400 8,778 40,800 84,709 67,200 36,000

CONSOLID. 2,300

ACT. COMER. Y SERV.

9,000

48,180

625,347 145,162 683,077 55,811 171,464 328,945 59,117 36,159 64,479 2,169,561 455,905 52,324 54,508 279,881 237,296 287,828 323,327 140,369 1,831,438 200,228 60,515 156,948 154,613 87,488 118,166 81,987 859,945 497,077 35,100 86,885 271,502 118,632 63,335 117,368 73,450 196,755 53,054 1,513,158 485,388 366,281 376,576 376,558 380,709 679,963 277,289 321,225 157,306 3,421,295 682,763 982,405 159,195 656,898 39,271 126,187 247,011 215,627 3,109,357 1,396,482 304,739 422,030 285,406 132,465 187,070 162,872 116,144 684,594 149,269 3,841,071 380,864 199,572 218,877 62,490 124,231 986,034 541,411 512,613 156,135 135,043 346,842 71,436 119,770 78,798 33,430 85,796 96,115 2,177,389

28,500 150,600 9,000 188,100

23,026 262,226 48,180 333,432

6,124,293 11,357,757 2,427,198 19,909,248

66,598 66,796 3,000 55,000

66,432 12,296 135,166 14,399 37,791 798 37,293 19,781 87,452 14,590 13,813 798 226,715 49,205 44,821 35,795 7,449 1,197 1,596 7,000 8,153 155,216 98,397 7,270 11,197 11,376 1,197 36,856 35,500 3,000 101,103 15,000 320,896 41,096 56,946 24,899 64,690 44,200 231,831 17,399 12,960 19,341 14,391 11,596 62,050 3,500 42,000 5,000 3,000 17,470 208,707

1,800

MOVILIZ.

3,050

5,350 13,500 9,845 2,000

15,500

13,000 13,000

9,845 5,600 2,231

7,831

1,850

10,939

11,000 49,550 4,000

71,128 13,800

66,400 7,500

95,867

4,000 2,700

18,196 1,011

14,200 5,000 24,000 31,000 10,000

23,616 15,002 3,000 9,483

4,409

70,000

42,829 8,336 46,443 125,093 17,650

17,650 2,000 37,568 9,190 850 7,000

572

CONSUMO

TOTAL

2,650 21,043 94,500

13,300 32,500 1,443,926

1,191,950 422,684 918,013 381,305 526,102 720,392 204,099 262,553 489,514 5,116,612 1,736,293 678,665 455,063 1,145,500 1,458,967 601,868 882,820 1,513,212 8,472,388 740,693 448,961 606,738 589,564 370,724 273,894 121,870 3,152,444 1,069,528 309,605 340,245 580,053 671,549 356,447 691,886 503,862 1,061,364 440,339 6,024,878 1,820,931 870,723 1,153,753 1,469,419 1,614,768 1,918,603 1,105,006 1,738,680 592,357 12,284,240 1,962,794 1,340,696 453,120 2,156,988 284,718 716,429 1,170,329 478,107 8,563,181 1,731,784 718,031 1,269,657 1,338,268 470,303 406,420 1,316,666 563,258 1,028,715 681,682 9,524,784 716,702 656,562 524,828 442,832 412,974 2,753,898 2,003,484 1,421,419 667,685 659,815 847,581 1,158,365 628,557 714,679 445,027 698,662 661,204 9,906,478

1,868,402 1,884,120 1,605,971 5,358,493

21,264,619 33,126,103 11,408,181 65,798,903

300 47,200 16,300 34,000 38,500 254,493 125,520 183,354 105,300 40,800 133,730 29,950 8,000 272,330 898,984 17,000 143,950 119,200 32,000 10,000 74,600 4,000 400,750 9,325 24,000 148,950 62,100 4,000 32,500 33,300 80,495 81,550 476,220 93,059 147,470 82,100 9,420 152,000 70,900 65,200 17,300 637,449 65,300 196,599 49,546

166,350 88,760 36,909 603,464 8,200 1,551 11,760 22,445 2,700 155,847 27,100 94,092 91,051 414,746 48,000 67,300 69,861 39,700 3,600 228,461 101,250 476,206 81,204 229,140 21,500 235,380 112,651 140,795


Banco Nacional de Fomento

Gerencia de Riesgos

14

CREDITO ORIGINAL PARA CULTIVOS AGRICOLAS SEGUN SUCURSALES Y ZONALES A FEBRERO 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

3,018 399

3,417 45,088

15,312

15,312 5,857

399 2,750

2,068 2,068

436,982 485,219

Fréjol

Arveja

399 58,517 49,581 91,285 14,305 4,999 11,630

798 4,779 18,478 798

24,853 9,779 11,348

399

24,319

399

399

42,905 255,262 798 399 399

Cebolla

Algodón

Palma Africana

Cacao

Café

Banano

Caña de  Azúcar

48,400 399 4,959 23,813 20,000 399

7,064 3,171

49,570 4,596

12,634 45,245

8,400 14,892 5,000

2,399 77,050 77,050

34,997 34,997 58,421

56,800

19,892

12,296 31,052

4,596

37,382 44,800 70,766 211,369 21,000

88,593

399 1,050 1,449

3,099 1,500 4,599

5,999 16,100 43,099

2,793 399

11,266 58,480 263,482 117,417 458,139 48,841

3,969

5,500 5,500 7,000 18,000 18,400 4,502

6,783 6,783 11,344 22,760

637

958,423

1,036

4,368 47,950 17,640 322,206

686,944 30,268 19,341 69,006 165,126 970,685 14,909 6,414

33,996

55,319 71,577 35,488 488,894 145,898 67,092 38,685

4,624 443,270 235,338 821,686 139,873 1,644,791 86,864 45,732 31,511

35,920 19,936

443,652

8,070

267,010 79,989 511,106 1,596 150,834

8,070

9,600 232,898 61,049 546,600 124,041 52,659 164,170 183,953 75,186 44,750 1,485,306 72,172

1,600

11,610 82,362 54,370 399 13,200

1,600

234,113

1,950

399

60,650 160,685

36,003

7,000 42,029 49,029 2,000

21,000

441,692 4,500

992,652 6,638

1,030,565 399

6,127

7,225 9,726

2,120

17,350

2,120

1,950

21,000

82,600 21,000 27,376 208,899 98,528

501,403 41,600 110,000 5,000 8,200 5,000 169,800

107,712 30,222 2,000

2,000 9,000 20,000 3,000 8,510 6,639 18,149

50,000 310,315

53,010 102,298 155,181 11,400

1,995

2,090,175

ELABORACION: Departamento de Estudios e Investigaciones

205,052 150,356 48,572 49,850 612,400 1,653,659 22,596 399 399 399 41,045 11,898 22,883 99,619 71,009 40,760 29,666 102,786 282,263 142,917 468,352 75,114 15,800 60,650 1,289,317 311,148 91,243 554,600 509,903 917,169 810,443 535,371 1,059,307 355,749 5,144,933 330,130 52,232 136,952 217,761 156,709 305,887 533,472 1,500 1,734,643 75,870 273,932 488,894 702,041 211,203 96,283 777,991 250,546 30,500

41,045 47,499

21,568

21,568

50,208 1,950

399

52,158

399

488,771

488,771

54,166 2,120

105,595 8,070

1,600

56,286

113,665

1,600

1,197 7,620 6,200 62,516 30,300 12,554 8,000 63,656 172,942 129,815 76,803 51,400 6,000 551,470 154,185 6,500 79,347 135,399 102,339

41,600 15,399

137,934

219,756 7,700 1,197

5,000 5,000 19,000

2,907,260 65,337 131,197 21,352 28,556 17,038 263,480 99,800 29,207 51,996 60,687 181,497 507,743 19,575 12,798 7,798

399

2,000

399 9,296 80,800 20,321 51,597 6,480 25,800 41,848 4,175 12,798 399

29,000

3,000 4,000

5,000

FUENTE: Información de Sucursales

176,828 49,014 4,899 4,000 57,780 569,530 798

104,400 2,500 30,500

399

1,447,458 3,203,812 1,995 4,653,265

121,047 909,204 451,753 135,676

438,683 1,500 917,953 2,697 22,660

6,482

8,886 1,197 399 399

58,754 2,031,421

9,000 383,963 237,657 39,352

4,482

63,000

431,943

145,018

12,765

65,198 65,162 97,041 182,639 199,956 143,507 34,654

1,500

25,500 9,016 17,617

Total Cultivos

16,399 6,645 39,199 70,198 125,297 96,999 20,226

399

9,600 56,686

Otros Cultivos

399 39,449 399

1,197

399 798

38,304 18,382

230,716 50,568 79,119

Tomate Hortícola

15,529 67,141

399 2,793 399 6,256

Papa

360,315

6,766 342,541

3,000

399

25,399

9,519 253,737

16,285 987,386

77,050 464,652 360,315 902,017

289,465 2,390,622 352,141 3,032,228

156,835 24,631 63,650 245,116

6,949 80,029 399 87,377

67,277 142,934 25,399 235,610

1,050,854 1,698,475 259,937 3,009,266

3,875,349 10,050,316 1,063,836 14,989,501


Banco Nacional de Fomento

Gerencia de Riesgos

15

CREDITO ORIGINAL, RENOVADO Y TOTAL POR DESTINO DE LA INVERSION Y PLAZO A FEBRERO 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

            403           1,825                   4                26                   1              139                10                40                   1                14

           31

       404     1,826             4           26             1         139           11           42             1           45

    2,087,675      4,648,765            21,568            52,158                  399          488,771            36,286          104,152              1,600          260,927

             2,500        2,090,175               4,500        4,653,265             21,568             52,158                   399           488,771             20,000             56,286               9,513           113,665               1,600          641,090           902,017

       112         138

      478,958        333,927

            6              1              2              1              3              1            31

        51,443             1,614          17,983                702          14,748             4,020        132,568

            158                26                10                31              739           3,427

         426             39               1             14           179          695

       584           65           11           45         918     4,122

        381,292            46,040            82,377          164,310      1,982,988    10,359,308

     2,650,936          199,076               5,000             71,300       1,026,278       4,630,193

      3,032,228           245,116             87,377           235,610        3,009,266      14,989,501

            1              5            38         339

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

              49              920              489              270                45                67           1,840

             8           991           201             10             16             20       1,246

         57     1,911         690         280           61           87     3,086

        228,334      3,263,047          673,958          456,744          303,091            80,077      5,005,251

           47,465       9,863,241       1,153,017          126,062             90,450          177,160     11,457,395

         275,799      13,126,288        1,826,975           582,806           393,541           257,237      16,462,646

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

                 7             46                65           262                31

         53         327           31

          20,840            96,912          188,100

        595,438           616,278       3,251,964        3,348,876           188,100

         5,370       2,249

   7,619

  15,670,411

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

            284           201           4,948           977              290           635

       485     5,925         925

TOTAL CREDITO

       10,892       4,062

14,954

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

             1               1

TOTAL f = d + e

R E N O V A D O No. OPERAC. VALOR g h

             1               2

No. OPERAC. i = c + g

T   O   T   A   L VALOR j = f + h

%

           4,260          37,601        119,966     1,197,790

       516      1,964              4            26              1         145            12            44              2            48              1         615            65            12            50         956      4,461

     2,569,133       4,987,192             21,568             52,158                  399           540,214             57,900           131,648               2,302           916,765               4,020       3,164,796           245,116             91,637           273,211       3,129,232     16,187,291

3.9% 7.6% 0.0% 0.1% 0.0% 0.8% 0.1% 0.2% 0.0% 1.4% 0.0% 4.8% 0.4% 0.1% 0.4% 4.8% 24.6%

            6            60            18            10              4              2         100

        23,972        351,353          33,900          36,462          47,479             3,900        497,066

          63      1,971         708         290            65            89      3,186

         299,771     13,477,641       1,860,875           619,268           441,020           261,137     16,959,712

0.5% 20.5% 2.8% 0.9% 0.7% 0.4% 25.8%

          11              8

      312,416          78,799

   19,934,990      35,605,401

          76         534

      333,432     2,419,503

          64         335            31            76      8,153

         928,694       3,427,675           188,100           333,432     38,024,904

1.4% 5.2% 0.3% 0.5% 57.8%

        501,222    11,016,974      1,043,989

     1,921,109        2,422,331       6,474,772      17,491,746       4,284,454        5,328,443

          35         668            13

        83,927     2,417,502          30,050

       520      6,593         938

     2,506,258     19,909,248       5,358,493

3.8% 30.3% 8.1%

  28,232,596

   32,615,325      60,847,921

    1,250

   4,950,982

  16,204

   65,798,903 100.0%


Banco Nacional de Fomento

Gerencia de Riesgos

16

COMPARACION ANUAL DEL CREDITO ORIGINAL Y SUPERFICIE FINANCIADA POR DESTINO DE LA INVERSION A FEBRERO 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

      1,237        4,183                8              12                5            391            109            155                1              48                5        1,004              51              20              74        1,050        8,353

         404       1,826               4             26               1           139             11             42               1             45                ‐           584             65             11             45           918       4,122

      (833)     (2,357)             (4)            14             (4)        (252)           (98)        (113)

     (67.3%)       (56.3%)       (50.0%)      116.7%       (80.0%)       (64.5%)       (89.9%)       (72.9%)

           (3)             (5)        (420)            14             (9)           (29)        (132)     (4,231)

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

            59        7,472            121        8,680            134              36      16,502

           57       1,911           690           280             61             87       3,086

           (2)     (5,561)          569     (8,400)           (73)            51  (13,416)

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

c

V   A   L   O   R 2011 VARIACION d d ‐ c

       (6.3%)    (100.0%)       (41.8%)        27.5%       (45.0%)       (39.2%)       (12.6%)      (50.7%)

    4,017,868      7,081,287              6,344            60,982            25,466         921,872         184,390         229,669                 793         665,732              7,639      2,858,844         277,094         156,490         531,699      2,408,468    19,434,637

      2,090,175        4,653,265             21,568             52,158                   399           488,771             56,286           113,665                1,600           902,017

       (3.4%)       (74.4%)      470.2%       (96.8%)       (54.5%)      141.7%      (81.3%)

          546             53            406          327                1             31

%

      3,032,228           245,116             87,377           235,610        3,009,266     14,989,501

   (1,927,693)     (2,428,022)            15,224             (8,824)           (25,067)         (433,101)         (128,104)         (116,004)                  807          236,285             (7,639)          173,384           (31,978)           (69,113)         (296,089)          600,798     (4,445,136)

      (48.0%)        (34.3%)       240.0%        (14.5%)        (98.4%)        (47.0%)        (69.5%)        (50.5%)       101.8%         35.5%      (100.0%)           6.1%        (11.5%)        (44.2%)        (55.7%)         24.9%        (22.9%)

       323,476    16,934,024         622,029      7,198,289         278,920         298,569    25,655,307

         275,799     13,126,288        1,826,975           582,806           393,541           257,237     16,462,646

         (47,677)     (3,807,736)       1,204,946     (6,615,483)          114,621           (41,332)     (9,192,661)

      (14.7%)        (22.5%)       193.7%        (91.9%)         41.1%        (13.8%)        (35.8%)

      (493)      (90.3%)          (79)      (19.5%)            30 3,000.0%

    2,508,791      6,537,969              5,043

         616,278        3,348,876           188,100

   (1,892,513)        (75.4%)     (3,189,093)        (48.8%)          183,057   3,629.9%

    25,808       7,619

(18,189)      (70.5%)

  54,141,747

   35,605,401

(18,536,346)        (34.2%)

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

      2,394          485      29,128       5,925            834          925

   (1,909)      (79.7%)  (23,203)      (79.7%)            91        10.9%

    6,899,774    32,293,455      4,616,997

      2,422,331     17,491,746        5,328,443

   (4,477,443)        (64.9%)   (14,801,709)        (45.8%)          711,446         15.4%

CREDITO ORIGINAL

    58,164     14,954

(43,210)      (74.3%)

  97,951,973

   60,847,921

(37,104,052)        (37.9%)

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

SUPERFICIE FINANCIADA (Ha.) 2010 2011 VARIACION e f f ‐ e       4,062       7,366             24             62             20           572           166           118             12           675               4       2,131           231           208           446       2,175     18,272

      2,849        7,459             30             60               1           258             70             67               8        1,119        2,967           234           113           254        2,844     18,333

  (1,213)           93             6            (2)          (19)       (314)          (96)          (51)            (4)         444            (4)         836             3          (95)       (192)         669           61

%

       (29.9%)             1.3%          25.0%           (3.2%)         (95.0%)         (54.9%)         (57.8%)         (43.2%)         (33.3%)          65.8%       (100.0%)          39.2%             1.3%         (45.7%)         (43.0%)          30.8%            0.3%


Banco Nacional de Fomento

Gerencia de Riesgos

18

COMPARACION ANUAL DE LAS FUENTES DE FINANCIAMIENTO PARA CREDITO ORIGINAL A FEBRERO 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    47,135,230       6,025,336               5,000        3,182,076        2,506,324           234,606

2011    15,105,036       9,212,253        8,358,741           767,567             56,000

VALOR      (32,030,194)          3,186,917                 (5,000)          5,176,665         (1,738,757)            (178,606)

           63,230

           29,945

             (33,285)           (52.6)

           34,100

%          (68.0)            52.9         (100.0)          162.7           (69.4)           (76.1)

             (34,100)         (100.0)

     5,323,791        2,547,257        2,686,762             84,772               5,000     35,786,103     35,786,103       5,104,579

     4,181,871           910,505        3,209,246             62,120       1,710,912        1,710,912       2,086,858

       (1,141,920)         (1,636,752)              522,484               (22,652)                 (5,000)       (34,075,191)       (34,075,191)         (3,017,721)

         (21.4)           (64.3)            19.4           (26.7)         (100.0)           (95.2)           (95.2)           (59.1)

         494,173

           50,000

          (444,173)           (89.9)

           48,571

             (48,571)         (100.0)

           50,914

             (50,914)         (100.0)

      3,809,770           701,151     45,712,164             10,000

      2,036,858

       (1,772,912)           (46.5)

   43,656,027

          (701,151)         (100.0)         (2,056,137)             (4.5)               (10,000)         (100.0)

      6,478,555     34,600,812           170,870        4,446,127               5,800

      4,410,558     33,917,026           125,508        5,202,935

       (2,067,997)            (683,786)               (45,362)              756,808                 (5,800)

         (31.9)             (2.0)           (26.5)            17.0         (100.0)

   97,951,973

   60,847,921

     (37,104,052)           (37.9)


Banco Nacional de Fomento

Gerencia de Riesgos

19

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

SUCURSALES Y ZONALES

Microcrédito No.

Valor

Plan 555 No.

Valor

Crédito Desarrollo Humano 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

        156            21            66            51            85            32            24          198            21          654          921            98            71          457          466              5          346          659      3,023            30            42            15            51              5            27              5          175          175            96          160          219          406            52          360            73          194            95      1,830          118          146          341          323          240          345          125          123            20      1,781          918          615          255          707          141          411          951          166      4,164          310            49          144          375            11            54          112              4          355            71      1,485          274            15          207          143          110          749          394            25            53            35          154            47            85            14            21            15            16          859

            624,585                76,470              251,614              209,952              151,288              131,428                72,540           1,302,500                64,090          2,884,467           2,057,547              278,745              239,787           1,010,800           1,346,401                15,035           1,177,401           1,365,738          7,491,454              108,591              164,927                84,900              106,380                24,800                89,929                16,906              596,433              574,447              305,494              265,238              345,136              547,644              125,048              812,642              219,487              639,002              402,962          4,237,100              467,421              501,895           1,397,570              682,041              730,177           1,134,959              341,511              298,972                84,467          5,639,013           1,788,908           1,209,916              467,162           1,698,541              460,744              740,376           1,981,445              434,628          8,781,720              964,115                76,582              580,460           1,399,732                50,000              142,763              254,433                18,700              800,303              356,298          4,643,386           1,213,300                28,250              512,417              405,589              319,555          2,479,111              889,164                96,355              248,244              157,110              429,406              242,891              376,700                59,330                84,250                71,200                77,640          2,732,290

       795            54            59         161            48         239         113         485         107      2,061         714         135            75         371         176            47            71         349      1,938         173         102         105         179            60            20            82         721         129            72            46         290            29         237            54         116         149         122      1,244         504            46         118         276         312         326         555         355         175      2,667         104            93         168         130         120         116         509            74      1,314      1,087            45         396            60            41            22         522            27         108            40      2,348         111            79         175         135         115         615         162         212         208         150         242         162         167         104            94         118            67      1,686

         2,399,318              182,496              210,141              497,988              132,188              816,053              325,733           2,010,416              312,054          6,886,387           1,796,821              307,686              211,975              710,994              638,103                98,829              238,020              641,396          4,643,824              642,645              402,906              403,502              432,093              221,340                74,300              336,252          2,513,038              408,708              241,778              192,900              415,043              119,500              562,798              121,756              352,863              521,123              464,465          3,400,934           1,629,016                68,194              479,700              660,440              490,618           1,100,933              899,692              716,503              418,060          6,463,156              307,400              258,118              281,938              422,218              413,720              160,999           1,010,520              220,638          3,075,551           2,599,079                86,240           1,113,990              190,948              129,400                54,010           1,067,559                71,069              262,202              165,500          5,739,997              426,600              205,900              383,804              389,157              430,793          1,836,254              527,092              652,650              758,281              464,617              628,022              469,697              465,175              268,786              411,200              449,912              307,015          5,402,447

      14,109          1,026              416          1,215          2,035          3,945          3,156          1,494          2,437        29,833          9,258          1,828              906          5,458          4,279          1,363          2,736          5,174        31,002          2,728          2,027          1,263          2,459          1,361          1,138          2,300        13,276          5,072              831          1,221              838              929          1,399          1,400          1,403          2,794              767        16,654          9,683        13,695          3,648          9,096          9,756        12,193          6,297          6,082          6,566        77,016        12,780          7,012          3,774          7,945          5,677          5,926          4,242          3,058        50,414        81,764          8,793          8,846        10,576          3,369          6,011          5,439          5,361          5,986                77      136,222          7,070          2,464          4,068          1,069          1,307        15,978          2,820          7,616              754          7,806          6,593          3,202          3,403          1,109              568              498          1,013        35,382

        11,109,249               805,396               325,494               962,313            1,581,687            3,044,989            2,475,456            1,166,016            1,919,175          23,389,775            7,322,200            1,440,936               716,882            4,283,170            3,366,315            1,077,083            2,156,532            4,089,286          24,452,404            2,106,548            1,600,319               994,425            1,914,141            1,057,479               896,016            1,819,938          10,388,866            3,939,974               639,771               950,355               659,018               729,605            1,075,573            1,058,172            1,053,629            2,199,188               590,107          12,895,392            7,656,675          10,791,359            2,887,803            7,187,988            7,704,342            9,571,841            4,929,447            4,754,414            5,196,688          60,680,557          10,123,072            5,551,528            2,988,634            6,255,147            4,494,933            4,681,982            3,322,102            2,423,188          39,840,586          64,399,830            6,786,257            6,919,272            8,320,066            2,665,477            4,756,927            4,295,863            4,243,349            4,739,506                  60,273       107,186,820            5,602,526            1,824,950            3,220,572               834,027            1,033,973          12,516,048            2,217,450            6,035,154               589,536            6,164,108            5,220,533            2,530,682            2,677,523               843,555               425,960               384,048               791,095          27,879,644

SIERRA COSTA E INSULAR AMAZONIA NACIONAL

    5,393      8,179      1,148    14,720

      14,167,490        21,543,230          3,774,254        39,484,974

    5,693      6,944      1,957    14,594

      16,458,595        17,114,958          6,388,035        39,961,588

      87,204      279,630        38,943      405,777

        68,337,142       220,224,011          30,668,939       319,230,092

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

Programas Especiales No.

Valor

      22        10           5        85        15        10           7        12        11      177        89        21           7        22        11        14        22           4      190           4           4        11           1

       1,246,467             190,078               73,200         1,211,286             372,392             200,150             159,480             443,878             408,800         4,305,731         2,000,783             259,320             118,660             543,724             428,158             296,869             433,752               54,335         4,135,601             141,600             160,200             441,200               91,445

         1           5        26           5           2           6           2

           112,000             316,165         1,262,610             108,416               49,500             211,000               26,400

         2

             60,000

      31        10           3        61        54           9           4        27           3        22           6        15           5      145        16

           718,960             245,109               48,000         1,467,385         2,340,737             474,059             253,875         1,094,966             206,656             636,600             169,400             253,269               86,797         5,516,359             615,121

         2           7        18           2        10           1        56      279        52        19           2           7           3        24           2           1           1      390           7           4           4           7           2        24        17        14        15           6        12        17           9           2           6           2           6      106      441      615      119   1,175

Fondos Propios No.

Total Original Valor

No.

Valor

             40,780             388,761             302,472               27,900             278,016               43,200         1,696,250         3,829,362             564,662             256,058             191,680             437,207             291,910             623,579               27,897               44,000               95,000         6,361,355             375,600               92,800               94,000             236,825               67,000             866,225             502,942             478,612             276,203             175,453             237,800             201,014             326,329               52,000             161,291               46,000             151,155         2,608,799

         385           243           379           228           469           329           281           286           337        2,937        1,149           433           251           826           718           569           530        1,028        5,504           311           235           343           279           164           200           150        1,682           817           210           245           345           269           180           362           273           511           270        3,482           815        1,063           737           957        1,037        1,086           419           790           308        7,212           913           985           837           562           306           632           863           300        5,398        1,327           423        1,643        1,163           517           270           953           627           572           438        7,933           563           491           303           344           264        1,965           709           761           423           408           580           331           418           262           158           269           224        4,543

           4,362,553             1,999,612             3,251,339             1,778,812             3,154,436             2,871,050             1,842,382             3,195,760             2,930,387           25,386,331             6,835,174             2,851,587             2,075,810             5,513,986             4,846,107             3,211,986             5,680,846             7,047,273           38,062,769             3,993,515             2,539,143             3,677,403             2,583,576             1,724,756             1,656,896             1,286,758           17,462,047             6,523,618             1,647,864             2,086,670             2,324,388             2,440,532             1,770,483             2,210,221             1,851,229             4,888,282             2,394,361           28,137,648             8,828,170             7,759,600             5,497,898             7,273,071             7,381,343             6,945,884             3,154,220             4,502,334             1,974,689           53,317,209             6,416,639             6,676,977             4,381,016             6,745,401             3,245,236             3,059,569             5,633,978             2,695,014           38,853,830           11,268,218             1,956,291             9,721,980             6,819,989             3,113,476             1,917,337             5,681,486             3,591,817             3,473,591             3,975,935           51,520,120             4,582,041             3,518,000             3,198,419             2,956,678             1,941,944           16,197,082             6,899,329             5,618,308             3,424,874             3,242,187             4,349,372             3,093,839             3,832,554             2,547,455             1,865,150             2,744,650             2,275,862           39,893,580

      15,467          1,354              925          1,740          2,652          4,555          3,581          2,475          2,913        35,662        12,131          2,515          1,310          7,134          5,650          1,998          3,705          7,214        41,657          3,246          2,410          1,737          2,969          1,590          1,386          2,542        15,880          6,198          1,211          1,678          1,694          1,633          1,870          2,176          1,896          3,658          1,257        23,271        11,174        14,959          4,848        10,679        11,348        13,972          7,402          7,365          7,074        88,821        14,731          8,705          5,036          9,351          6,262          7,087          6,575          3,599        61,346        84,767          9,362        11,048        12,176          3,945          6,360          7,050          6,021          7,022              627      148,378          8,025          3,053          4,757          1,698          1,798        19,331          4,102          8,628          1,453          8,405          7,581          3,759          4,082          1,491              847              902          1,326        42,576

        19,742,172            3,254,052            4,111,788            4,660,351            5,391,991            7,063,670            4,875,591            8,118,570            5,634,506          62,852,691          20,012,525            5,138,274            3,363,114          12,062,674          10,625,084            4,699,802            9,686,551          13,198,028          78,786,052            6,992,899            4,867,495            5,601,430            5,127,635            3,028,375            2,829,141            3,776,019          32,222,994          11,555,163            2,884,407            3,706,163            3,769,985            3,837,281            3,593,902            4,202,791            4,196,168            8,492,704            3,899,895          50,138,459          20,922,019          19,595,107          10,516,846          16,898,506          16,513,136          19,390,217            9,494,270          10,525,492            7,760,701       131,616,294          19,251,140          13,696,539            8,159,530          15,510,068            8,917,105            8,670,826          12,226,061            5,816,668          92,247,937          83,060,604            9,470,032          18,591,760          16,922,415            6,395,560            7,162,947          11,922,920            7,952,832            9,319,602            4,653,006       175,451,678          12,200,067            5,669,900            7,409,212            4,822,276            3,793,265          33,894,720          11,035,977          12,881,079            5,297,138          10,203,475          10,865,133            6,538,123            7,678,281            3,771,126            2,947,851            3,695,810            3,602,767          78,516,760

     10,878,218       14,440,189         2,901,908       28,220,315

   12,824     22,508        5,324     40,656

       101,766,152         159,888,241           47,176,223         308,830,616

    111,555      317,876        47,491      476,922

     211,607,597       433,210,629          90,909,359       735,727,585


Banco Nacional de Fomento

Gerencia de Riesgos

20

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

Lineas de Financiamiento

Ene

Feb

Total

Microcrédito

                     3,381,455                       5,830,798                   9,212,253

Plan 555

                     2,066,678                       2,115,193                   4,181,871

Crédito Desarr. Humano

                           68,628                       1,642,284                   1,710,912

Programas Especiales

                        740,723                       1,346,135                   2,086,858

Fondos Propios

                   19,138,030                     24,517,997                 43,656,027

TOTAL

                   25,395,514

                   35,452,407

               60,847,921

número de operaciones

Lineas de Financiamiento

Ene

Feb

Total

Microcrédito

                             1,228                               2,090                           3,318

Plan 555

                                816                                   749                           1,565

Crédito Desarr. Humano

                                172                               4,116                           4,288

Programas Especiales

                                  42                                   113                              155

Fondos Propios

                             2,410                               3,218                           5,628

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

                             4,668                             10,286

                       14,954

/Febrero%202011  

http://bnf.ezonec.com/documents/estadisticas/2011/Febrero%202011.pdf

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