Page 1

BNF Banco Nacional de Fomento

INFORME GERENCIAL Datos Semidefinitivos

Marzo de 2011

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


Marzo de cada año Miles de dólares Crédito Original y Renovado 180,000

Crédito Total 160,000

180,000

140,000

160,000 120,000

140,000 120,000

100,000

100,000

80,000

80,000

60,000

60,000

40,000

40,000

20,000

20,000

0

total

2008 79,801

2009 98,985

2010 172,597

2011 117,140

2008

2009

2010

2011

Original

77,808

92,625

165,119

108,758

Renovado

1,994

6,360

7,478

8,382

CRÉDITO ORIGINAL POR ZONALES

CRÉDITO ORIGINAL POR DESTINO

Sto. Domingo 17%

Loja 9%

Portoviejo 13% Cuenca 5%

60,000 50,000

Guayaquil 12%

40,000 30,000 20,000

Machala 4%

Riobamba 15% Puyo 15%

Quito 10%

10,000 0 Cul. Agr.

Pecuario

P. I. A.

Comercio

Consumo

Otros

2010

31,319

42,609

11,721

55,699

8,818

14953.50

2011

23,268

29,895

4,556

33,957

8,913

8167.8

CREDITO ORIGINAL POR LINEAS

CREDITO ORIGINAL POR MESES 2010

2011

90,000 80,000 70,000

100,000 80,000

60,000 50,000

60,000

40,000

40,000

30,000

20,000

20,000 10,000 10 000 0

0

2010 Microcred

Plan 555

2011 Des.Hum.

F.Propios


Banco Nacional de Fomento

Gerencia de Riesgos

4

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

2010 REGION

NUMERO

2011

VALOR

NUMERO

VALOR

VARIACION NUMERO

VALOR

%

CREDITO ORIGINAL SIERRA

   24,997     49,109,774

      9,213     38,947,848

       (15,784)     (10,161,926)

‐20.7%

COSTA E INS.

   58,543     92,427,624

   13,921     50,289,069

       (44,622)     (42,138,555)

‐45.6%

AMAZONIA

   13,653     23,581,313

      3,429     19,521,297

       (10,224)       (4,060,016)

‐17.2%

NACIONAL

   97,193   165,118,711

   26,563   108,758,214

       (70,630)     (56,360,497)

‐34.1%

CREDITO RENOVADO SIERRA

         283        1,246,292

         181           830,227

            (102)          (416,065)

‐33.4%

COSTA E INS.

      1,821        6,087,096

      1,829        7,433,510

                  8        1,346,414

22.1%

AMAZONIA

           45           144,962

           24           117,889

               (21)             (27,073)

‐18.7%

NACIONAL

      2,149       7,478,350

      2,034       8,381,626

            (115)            903,276

12.1%

CREDITO TOTAL SIERRA

   25,280     50,356,066

      9,394     39,778,075

       (15,886)     (10,577,991)

‐21.0%

COSTA E INS.

   60,364     98,514,720

   15,750     57,722,579

       (44,614)     (40,792,141)

‐41.4%

AMAZONIA

   13,698     23,726,275

      3,453     19,639,186

       (10,245)       (4,087,089)

‐17.2%

NACIONAL

   99,342   172,597,061

   28,597   117,139,840

       (70,745)     (55,457,221)

‐32.1%

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 MARZO DE  2011 valores en dólares SUCURSALES  Y ZONALES

ORIGINAL NUMERO VALOR

RENOVADO 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

                  534                    191                    237                    150                    233                    282                    177                      82                    152                 2,038                 1,135                    273                    194                    565                    588                    286                    363                    818                 4,222                    241                    139                    136                    219                      91                      99                    104                 1,029                    408                    114                    161                    282                    342                    135                    281                    201                    305                    184                 2,413                    530                    424                    444                    519                    596                    602                    366                    581                    294                 4,356                    736                    512                    285                    562                    210                    465                    643                    211                 3,624                 1,663                    314                    554                    478                    192                    260                    608                    219                    416                      67                 4,771                    352                    216                    282                    199                    121                 1,170                    482                    441                    196                    373                    434                    252                    255                    147                      74                    156                    130                 2,940

             2,437,570                   858,629               1,591,193                   932,178                   990,988               1,463,180                   645,541                   610,441                   820,310             10,350,030               4,265,199               1,284,504                   761,649               2,090,084               2,430,112               1,174,589               1,800,166               2,522,318             16,328,621               1,446,309                   732,214                   959,521                   889,021                   519,763                   592,203                   335,905               5,474,936               1,693,686                   611,125                   603,028                   874,849                   880,011                   476,596                   847,498                   807,468               1,752,362               1,036,126               9,582,749               3,329,826               1,903,996               1,816,248               2,888,489               2,416,593               2,410,836               1,320,713               1,980,599                   666,535             18,733,835               2,869,688               1,921,955                   712,675               3,522,911                   871,716               1,037,582               1,675,314                   974,958             13,586,799               2,792,521                   672,938               1,669,001               1,415,948                   687,172                   727,910               2,035,853               1,046,229               1,743,529                   538,896             13,329,997               1,475,536                   953,710                   751,278                   835,154                   622,760               4,638,438               3,427,487               2,131,290               1,093,171               1,317,301               1,628,057               1,782,789               1,515,758               1,114,697                   782,926               1,047,429                   891,904             16,732,809

                  6                  15                    2                  15                    6                  10                  17                    4                    2                  77                    8                    3

                  70,550                    49,023                    13,890                  115,712                    17,326                    46,826                    52,932                    53,297                    53,600                  473,156                    55,224                    14,345

                  4                    3                    4                  14

                  19,085                    44,608                      5,947                    78,394

                36                    7                    2

                217,603                    12,083                      3,486

SIERRA COSTA E INSULAR AMAZONIA NACIONAL

               9,213              13,921                 3,429              26,563

           38,947,848             50,289,069             19,521,297           108,758,214

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

NUMERO

                  6

                    3,420

                  1                    5                  21                    7

                       867                    20,394                    40,250                    29,671

                  7                  23                    1                    9

                  16,331                    33,060                      7,486                    12,670

                47                  14                  14

                  99,218                    77,949                    76,170

                31                  53                107                  52                  79                  22                372                152                  83                  25                    8                    9                  42                  55                  29                403                283                134                230                  84                  30                  16                  49                  72                  85                  24             1,007                  12                  19                  16

                199,930                  390,855                  564,020                  164,145                  268,974                    81,027              1,823,070                  471,056                  212,161                    48,922                    46,060                    23,600                    88,388                  123,732                    44,608              1,058,527              1,319,008                  236,398              1,012,196                  367,530                  138,637                  150,013                  140,527                  188,517                  379,257                  371,128              4,303,211                    88,480                    89,356                    70,866

                47                    3

                248,702                    31,954

                  6                    4                    3

                  48,707                    24,190                      4,575

                  7

                    7,891

                  1

                       572

                24

                117,889

                540                  206                  239                  165                  239                  292                  194                    86                  154              2,115              1,143                  276                  194                  569                  591                  290                  377                  818              4,258                  248                  141                  136                  225                    91                  100                  109              1,050                  415                  114                  161                  289                  365                  136                  290                  201                  305                  184              2,460                  544                  438                  444                  550                  649                  709                  418                  660                  316              4,728                  888                  595                  310                  570                  219                  507                  698                  240              4,027              1,946                  448                  784                  562                  222                  276                  657                  291                  501                    91              5,778                  364                  235                  298                  199                  121              1,217                  485                  441                  202                  377                  437                  252                  262                  147                    74                  157                  130              2,964

              181             1,829                  24             2,034

                830,227              7,433,510                  117,889              8,381,626

            9,394            15,750              3,453            28,597

TOTAL VALOR                    2,508,120                         907,652                     1,605,083                     1,047,890                     1,008,314                     1,510,006                         698,473                         663,738                         873,910                   10,823,186                     4,320,423                     1,298,849                         761,649                     2,109,169                     2,474,720                     1,180,536                     1,878,560                     2,522,318                   16,546,224                     1,458,392                         735,700                         959,521                         892,441                         519,763                         593,070                         356,299                     5,515,186                     1,723,357                         611,125                         603,028                         891,180                         913,071                         484,082                         860,168                         807,468                     1,752,362                     1,036,126                     9,681,967                     3,407,775                     1,980,166                     1,816,248                     3,088,419                     2,807,448                     2,974,856                     1,484,858                     2,249,573                         747,562                   20,556,905                     3,340,744                     2,134,116                         761,597                     3,568,971                         895,316                     1,125,970                     1,799,046                     1,019,566                   14,645,326                     4,111,529                         909,336                     2,681,197                     1,783,478                         825,809                         877,923                     2,176,380                     1,234,746                     2,122,786                         910,024                   17,633,208                     1,564,016                     1,043,066                         822,144                         835,154                         622,760                     4,887,140                     3,459,441                     2,131,290                     1,141,878                     1,341,491                     1,632,632                     1,782,789                     1,523,649                     1,114,697                         782,926                     1,048,001                         891,904                   16,850,698                   39,778,075                   57,722,579                   19,639,186                 117,139,840


Banco Nacional de Fomento

Gerencia de Riesgos

6

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

FEB.

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

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

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

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

                              534                                191                                237                                150                                233                                282                                177                                  82                                152                              2,038                              1,135                                273                                194                                565                                588                                286                                363                                818                              4,222                                241                                139                                136                                219                                  91                                  99                                104                              1,029                                408                                114                                161                                282                                342                                135                                281                                201                                305                                184                              2,413                                530                                424                                444                                519                                596                                602                                366                                581                                294                              4,356                                736                                512                                285                                562                                210                                465                                643                                211                              3,624                              1,663                                314                                554                                478                                192                                260                                608                                219                                416                                  67                              4,771                                352                                216                                282                                199                                121                              1,170                                482                                441                                196                                373                                434                                252                                255                                147                                  74                                156                                130                              2,940

SIERRA COSTA E INSULAR AMAZONIA NACIONAL

                        1,639                          2,458                             571                          4,668

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

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

                            9,213                           13,921                              3,429                           26,563

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

MAR.

TOTAL 2011

ENE.


Banco Nacional de Fomento

Gerencia de Riesgos

7

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

ENE.                                                                                                                                                                                                                        

2 2 2 3 1 2 6

FEB.

TOTAL 2011

                        5                          3                          3                          3                          1                          1                        25                          4                          1

                            2                                   6                              6                                 15                                   2                              7                                 15                              2                                   6                              5                                 10                              8                                 17                              3                                   4                                   2                            33                                 77                              3                                   8                              1                                   3

                              1

                                                                                                  

                            1                              2                              3                              8

                              3                                2                                1

                      15                          2

                          18                                 36                              3                                   7                              1                                   2

                              2

                        2

                            2                                   6

                              5                                2

                                                                                                  

1 4 9 3

                                 1                              1                                   5                              7                                 21                              2                                   7

                        4                        17

                              1                              19                                1                                1

                                                                                                                          

                        2                          7

MAR.

2 1 1 6

                                 4                                   3                                   4                                 14

3 1 1 6

                        3

                                 7                              5                                 23                                   1                                   9

                            13                                8                                4

                      27                          3                          7

                            7                                 47                              3                                 14                              3                                 14

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

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

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

                            11                                2

                      15                          1

                          21                                 47                                   3

                              3                                1                                1

                        1                          1                          1

                            2                                   6                              2                                   4                              1                                   3

                              2

                        3

                            2                                   7

                        1

                                 1

                              9

                        8

                            7                                 24

                            40                            498                                9                            547

                      76                      619                          8                      703

                          65                          712                              7                          784

                               31                                 53                               107                                 52                                 79                                 22                               372                               152                                 83                                 25                                   8                                   9                                 42                                 55                                 29                               403                               283                               134                               230                                 84                                 30                                 16                                 49                                 72                                 85                                 24                            1,007                                 12                                 19                                 16

                             181                            1,829                                 24                            2,034


Banco Nacional de Fomento

Gerencia de Riesgos

8

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

FEB.

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

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

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

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

                              540                                206                                239                                165                                239                                292                                194                                  86                                154                             2,115                             1,143                                276                                194                                569                                591                                290                                377                                818                             4,258                                248                                141                                136                                225                                  91                                100                                109                             1,050                                415                                114                                161                                289                                365                                136                                290                                201                                305                                184                             2,460                                544                                438                                444                                550                                649                                709                                418                                660                                316                             4,728                                888                                595                                310                                570                                219                                507                                698                                240                             4,027                             1,946                                448                                784                                562                                222                                276                                657                                291                                501                                  91                             5,778                                364                                235                                298                                199                                121                             1,217                                485                                441                                202                                377                                437                                252                                262                                147                                  74                                157                                130                             2,964

SIERRA COSTA E INSULAR AMAZONIA NACIONAL

                       1,679                         2,956                            580                         5,215

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

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

                           9,394                          15,750                             3,453                          28,597

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

MAR.

TOTAL 2011

ENE.


Banco Nacional de Fomento

Gerencia de Riesgos

9

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

TOTAL 2011

ENE.

FEB.

MAR.

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

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

                   2,437,570                        858,629                     1,591,193                        932,178                        990,988                     1,463,180                        645,541                        610,441                        820,310                   10,350,030                     4,265,199                     1,284,504                        761,649                     2,090,084                     2,430,112                     1,174,589                     1,800,166                     2,522,318                   16,328,621                     1,446,309                        732,214                        959,521                        889,021                        519,763                        592,203                        335,905                     5,474,936                     1,693,686                        611,125                        603,028                        874,849                        880,011                        476,596                        847,498                        807,468                     1,752,362                     1,036,126                     9,582,749                     3,329,826                     1,903,996                     1,816,248                     2,888,489                     2,416,593                     2,410,836                     1,320,713                     1,980,599                        666,535                   18,733,835                     2,869,688                     1,921,955                        712,675                     3,522,911                        871,716                     1,037,582                     1,675,314                        974,958                   13,586,799                     2,792,521                        672,938                     1,669,001                     1,415,948                        687,172                        727,910                     2,035,853                     1,046,229                     1,743,529                        538,896                   13,329,997                     1,475,536                        953,710                        751,278                        835,154                        622,760                     4,638,438                     3,427,487                     2,131,290                     1,093,171                     1,317,301                     1,628,057                     1,782,789                     1,515,758                     1,114,697                        782,926                     1,047,429                        891,904                   16,732,809

SIERRA COSTA E INSULAR AMAZONIA NACIONAL

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

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

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

                 38,947,848                   50,289,069                   19,521,297                108,758,214

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

ENE.

FEB.

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

               54,900                 26,595

MAR.

TOTAL 2011

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

                  12,350                          70,550                    17,808                          49,023                          13,890                    64,275                        115,712                      3,336                          17,326                    33,640                          46,826                    29,112                          52,932                    49,235                          53,297                          53,600                  209,756                        473,156                    23,521                          55,224                      4,500                          14,345

                       2,385

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

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

                     13,360                         6,760                         2,231

               72,901                   1,893

                131,342                        217,603                      3,430                          12,083                      1,255                             3,486

                       1,936

                    868

                        616                             3,420

                     10,927                         5,750

                    867                   7,219                 10,847                 10,557

                              867                    13,175                          20,394                    18,476                          40,250                    13,364                          29,671

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

                 8,906                 21,553                   2,970

                        16,331                    10,157                          33,060                             7,486                          12,670

                     31,711                       46,820                       23,491

               43,986                 14,681                 22,941

                  23,521                          99,218                    16,448                          77,949                    29,738                          76,170

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

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

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

                     80,360                       29,497

               52,056                   2,457

                116,286                        248,702                          31,954

                     33,859                         9,190                            850

                 3,709                   7,000                   2,000

                  11,139                          48,707                      8,000                          24,190                      1,725                             4,575

                       2,555

                 3,511

                    1,825                             7,891

                    572

                              572

                     75,951

               19,249

                  22,689                        117,889

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

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

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

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

                        19,085                          44,608                             5,947                          78,394

                      199,930                        390,855                        564,020                        164,145                        268,974                          81,027                     1,823,070                        471,056                        212,161                          48,922                          46,060                          23,600                          88,388                        123,732                          44,608                     1,058,527                     1,319,008                        236,398                     1,012,196                        367,530                        138,637                        150,013                        140,527                        188,517                        379,257                        371,128                     4,303,211                          88,480                          89,356                          70,866

                      830,227                     7,433,510                        117,889                     8,381,626


Banco Nacional de Fomento

Gerencia de Riesgos

11

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

TOTAL 2011

ENE.

FEB.

MAR.

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

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

                   2,508,120                        907,652                     1,605,083                     1,047,890                     1,008,314                     1,510,006                        698,473                        663,738                        873,910                   10,823,186                     4,320,423                     1,298,849                        761,649                     2,109,169                     2,474,720                     1,180,536                     1,878,560                     2,522,318                   16,546,224                     1,458,392                        735,700                        959,521                        892,441                        519,763                        593,070                        356,299                     5,515,186                     1,723,357                        611,125                        603,028                        891,180                        913,071                        484,082                        860,168                        807,468                     1,752,362                     1,036,126                     9,681,967                     3,407,775                     1,980,166                     1,816,248                     3,088,419                     2,807,448                     2,974,856                     1,484,858                     2,249,573                        747,562                   20,556,905                     3,340,744                     2,134,116                        761,597                     3,568,971                        895,316                     1,125,970                     1,799,046                     1,019,566                   14,645,326                     4,111,529                        909,336                     2,681,197                     1,783,478                        825,809                        877,923                     2,176,380                     1,234,746                     2,122,786                        910,024                   17,633,208                     1,564,016                     1,043,066                        822,144                        835,154                        622,760                     4,887,140                     3,459,441                     2,131,290                     1,141,878                     1,341,491                     1,632,632                     1,782,789                     1,523,649                     1,114,697                        782,926                     1,048,001                        891,904                   16,850,698

SIERRA COSTA E INSULAR AMAZONIA NACIONAL

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

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

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

                 39,778,075                   57,722,579                   19,639,186                117,139,840

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 MARZO 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.               74,996              210,489              390,990              396,739              354,763              308,181                44,852

PECUARIO

        4,781,154              118,536              133,494                22,549                47,223                22,437              344,239              125,699                61,783                98,280              125,010              410,045              736,984                22,371                41,598                  8,197                     399                28,181          1,658,547

            353,070              198,646                80,996              275,923                86,802              256,083              263,896              321,654              377,146          2,214,216          1,818,617              349,330              418,334              602,382          1,188,331              349,957              871,240              758,835          6,357,026              456,556              329,456              447,637              311,574              120,138                72,363                  8,800          1,746,524              631,646              321,816              197,048              224,521              274,000              235,542              171,562              422,588          1,130,645              578,080          4,187,448              803,944              593,491              199,260              427,921                22,493                96,595                  2,394                91,435                  3,987          2,241,520          1,036,580                40,399              157,546          1,796,201              282,780                72,209              458,975              609,526          4,454,216                47,566                48,197                40,000              166,164                  3,591                32,378              167,686                15,192                94,500                  7,000              622,274              175,846                74,055              158,701              341,234              364,302          1,114,138          1,563,499              430,652              539,053              413,102              428,345              298,625              635,403              591,880              665,198              794,293              597,817          6,957,867

        6,441,780        14,983,092          1,843,506        23,268,378

      12,796,489          8,432,148          8,666,592        29,895,229

            311,544          2,092,554              727,494              187,251                     798              352,687              182,715                65,326              100,730              910,841          2,527,842                70,394                     399                     399                  2,798                74,046                64,897              135,256              348,189              127,506                76,060                50,464              107,185              336,794              147,972              469,972              157,242                53,809              131,150          1,658,154              645,447              143,263              786,450              974,705          1,329,128          1,193,876              664,544          1,156,302              370,629          7,264,344              496,408                75,631              185,015              399,406              487,410              318,471              629,115                  1,899          2,593,355              538,525              342,030              836,153              848,263              458,057              228,560              941,831              535,336                52,399

MAQUIN. AGRIC.

MEJ. TERRIT.

            195,596              8,420                  9,529

PEQ. IND.  MOVILIZ. ARTESAN.

          44,410              502,526              524,564                79,856              1,964                20,400            19,021                27,465                40,800                84,709                97,200                69,000                  2,904                28,000                34,407            20,985          1,009,305

           300,395             117,131                    399                 2,399               92,194             145,212               36,500               58,000                 8,499             760,729               96,815             120,104               12,586             321,197             197,240                 8,930               79,297               16,791             852,960             398,446               31,599               36,797             210,696                 5,199                 2,000                 6,500             691,237             111,156                 7,000                 1,100                 4,502                 6,000                 1,599                 3,000               10,000               78,432               20,296             243,085               80,215               63,083                    798               52,788               30,477               94,993               20,176               23,212                 1,995             367,737               65,076               79,497               46,391               36,740                 1,197                 7,293               18,399               12,697             267,290             129,022                 2,394               26,596               12,997                 1,995               67,194               55,899                 3,399             172,898               89,500             561,894               96,091               87,393               80,697               95,964               48,200             408,345               40,399               35,640               50,922               31,795               23,990               74,449               67,500               52,910                 5,000                 3,000               17,470             403,075

        383,016          887,737            20,985       1,291,738

       2,449,283         1,605,266             501,803         4,556,352

          71,849                65,130                87,500                52,000            46,800                  2,200            44,698                17,000              1,600                  6,300          173,367              435,255            30,000              226,300            66,711                80,925              8,000                39,000              225,860            30,098              113,827                39,220                70,170            50,980                18,750          185,789              814,052                68,532              4,800                86,000            10,000                43,000              193,800              156,199            14,800              547,531                68,950              6,300                24,450              1,800                  4,500                  960                68,600                  7,559                55,700                36,000                30,400              9,060              296,159            15,798              670,177              9,592                10,000            10,000              769,813            52,163                67,416          123,780                20,000          180,924                74,166            13,995              145,245                46,085          406,252          1,802,902            35,063              228,050            26,040                  5,800            20,300              4,982              207,827                     399            22,000                  7,000              5,000                12,000                     399          113,385              461,475            35,205                  4,500                  450                40,000            21,000              100,200            11,600                21,560            36,684            55,909                21,437              2,400              213,999            81,824              155,956            32,100                  9,600            46,518                37,000          323,690              604,252            31,159              143,194            12,500              161,735                48,100                  751              149,497

        2,026,597          3,371,155          1,075,705          6,473,457

R E N O V A D O ACT. COMER.  Y SERV.

CONSUMO

TOTAL

             11,950               47,148             139,800               19,000                    300               49,100               98,330               88,050               52,600             506,278             306,120             252,354             145,050               57,800             320,122             103,500               75,000             467,070         1,727,016               25,400             204,950             197,100               36,000               12,500               74,600                 4,000             554,550                 9,325               89,000             208,150               85,100                 7,000

             70,550               49,023               13,890             115,712               17,326               46,826               52,932               53,297               53,600             473,156               55,224               14,345

              19,085                44,608                  5,947                65,194

             19,085               44,608                 5,947               78,394

               5,000             320,360             136,260               46,259             893,265                 8,200                 1,000               11,760                 4,500               51,245                 2,700             248,210               45,100             130,600             130,400             633,715               50,500             101,980               77,861               61,700                 4,600             296,641             180,690             708,456             127,642             485,150               79,832             365,165             186,661             246,511                 4,500               61,150               46,000         2,491,757

          2,437,570               858,629            1,591,193               932,178               990,988            1,463,180               645,541               610,441               820,310          10,350,030            4,265,199            1,284,504               761,649            2,090,084            2,430,112            1,174,589            1,800,166            2,522,318          16,328,621            1,446,309               732,214               959,521               889,021               519,763               592,203               335,905            5,474,936            1,693,686               611,125               603,028               874,849               880,011               476,596               847,498               807,468            1,752,362            1,036,126            9,582,749            3,329,826            1,903,996            1,816,248            2,888,489            2,416,593            2,410,836            1,320,713            1,980,599               666,535          18,733,835            2,869,688            1,921,955               712,675            3,522,911               871,716            1,037,582            1,675,314               974,958          13,586,799            2,792,521               672,938            1,669,001            1,415,948               687,172               727,910            2,035,853            1,046,229            1,743,529               538,896          13,329,997            1,475,536               953,710               751,278               835,154               622,760            4,638,438            3,427,487            2,131,290            1,093,171            1,317,301            1,628,057            1,782,789            1,515,758            1,114,697               782,926            1,047,429               891,904          16,732,809

              70,550                49,023                13,890              115,712                17,326                46,826                52,932                53,297                53,600              473,156                55,224                14,345

     9,000

          1,501,563               267,266               974,058               101,138               369,429               652,604               152,963                  81,039                  62,621            4,162,681            1,046,353               227,829               135,881               530,158               397,779               607,656               603,729               299,051            3,848,436               426,981               161,010               191,588               274,953               114,080               222,144               168,349            1,559,105               745,103                  86,499               146,266               447,241               186,657                  78,164               169,464               116,938               307,131                  89,650            2,373,113               968,536               864,937               737,640               641,842               432,421               747,642               374,509               460,810               206,479            5,434,816               923,461            1,465,798               224,377            1,077,755                  94,930               286,249               412,865               304,178            4,789,613            2,024,503               214,867               602,292               333,864               135,600               319,732               373,828               194,622            1,251,432               228,478            5,679,218               860,210               382,553               363,370               138,785               183,221            1,928,139               992,636               812,903               254,910               215,758               645,045               215,857               506,623               112,798                  97,127               160,587               168,029            4,182,273

   39,210   354,395       9,000   402,605

        11,546,554          17,831,786            4,579,054          33,957,394

       3,264,919         2,823,490         2,824,652         8,913,061

        38,947,848          50,289,069          19,521,297        108,758,214

            817,027          7,382,730              117,889          8,317,646

     4,950

     4,950     13,500       2,000

   15,500

   13,000     13,000

     5,760

     5,760       1,850

160,995     49,550       4,000   216,395       7,500

     4,000       2,700     14,200       5,000     24,000     31,000     17,000     32,000     14,800   123,800

     2,000

     7,000

             33,500               45,000             146,345             186,550             809,970             143,859             219,630               82,100               21,420             321,500               84,400                          ‐               89,600               37,360             999,869               77,550             228,790               79,046

PRODUC CONSUMO

            204,403                12,083                  3,486

      13,200        13,200

TOTAL

           217,603               12,083                 3,486

                3,420

               3,420

                   867                20,394                40,250                29,671

                  867               20,394               40,250               29,671

              16,331                33,060                  7,486                12,670

             16,331               33,060                 7,486               12,670

              99,218                77,949                76,170

             99,218               77,949               76,170

            199,930              390,855              564,020              164,145              268,974                81,027          1,823,070              471,056              206,352                48,922                46,060                23,600                88,388              123,732                44,608          1,052,718          1,319,008              235,847          1,012,196              367,530              138,637              150,013              135,280              188,517              360,475              368,077          4,275,580                71,140                89,356                70,866

           199,930             390,855             564,020             164,145             268,974               81,027         1,823,070             471,056             212,161               48,922               46,060               23,600               88,388             123,732               44,608         1,058,527         1,319,008             236,398         1,012,196             367,530             138,637             150,013             140,527             188,517             379,257             371,128         4,303,211               88,480               89,356               70,866

            231,362                31,954

         5,809

         5,809              551

         5,247        18,782           3,051        27,631        17,340

      17,340

           248,702               31,954

              48,707                24,190                  4,575

             48,707               24,190                 4,575

                7,891

               7,891

                   572

                  572

            117,889

           117,889        13,200        50,780        63,980

           830,227         7,433,510             117,889         8,381,626


Banco Nacional de Fomento

Gerencia de Riesgos

13

CREDITO TOTAL POR RUBROS DE INVERSION SEGUN SUCURSALES Y ZONALES A MARZO 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 74,996 228,923 397,980 461,019 357,493 336,681 56,629

PECUARIO

6,088,792 121,607 154,694 22,549 47,223 22,437 368,510 125,699 61,783 98,280 125,010 410,045 736,984 22,371 41,598 8,197 399 28,181 1,658,547

371,770 198,646 80,996 318,729 97,262 256,083 283,641 359,156 387,946 2,354,229 1,838,266 349,330 418,334 611,767 1,224,939 349,957 900,790 758,835 6,452,218 456,556 329,456 447,637 311,574 120,138 73,230 8,800 1,747,391 634,426 321,816 197,048 236,416 284,287 235,542 171,562 422,588 1,130,645 578,080 4,212,410 843,951 659,311 199,260 506,431 22,493 137,173 2,394 114,618 3,987 2,489,618 1,117,233 40,399 163,820 1,800,660 293,780 75,561 484,392 627,605 4,603,450 93,250 55,355 40,000 169,607 14,658 32,378 213,638 18,070 98,600 10,345 745,901 175,846 97,428 170,703 341,234 364,302 1,149,513 1,592,996 430,652 539,053 428,102 428,345 298,625 639,719 591,880 665,198 794,293 597,817 7,006,680

6,672,916 17,052,411 1,843,506 25,568,833

13,057,523 8,988,482 8,715,405 30,761,410

311,544 2,225,265 757,298 187,251 798 352,687 182,715 70,544 114,054 910,841 2,576,188 70,394 399 399 3,048 74,046 64,897 148,431 361,614 127,506 76,060 50,464 109,746 358,217 147,972 482,642 157,242 53,809 131,150 1,694,808 664,149 143,263 786,450 988,305 1,420,306 1,339,467 747,721 1,316,916 402,229 7,808,806 627,668 81,361 191,180 400,406 492,610 336,830 654,349 1,899 2,786,303 573,056 382,236 1,589,106 1,089,090 531,097 293,890 967,128 592,897 70,292

MAQUIN. AGRICOLA

MEJORAS TERRIT. 242,596 9,529

PEQ. IND. ARTESAN.

20,985

505,446 524,564 79,856 20,400 27,465 40,800 84,709 97,200 69,000 2,904 28,000 34,407 1,009,305

301,945 123,101 399 2,399 92,194 145,212 40,100 58,000 8,499 771,849 96,815 120,104 12,586 326,397 197,240 8,930 80,467 16,791 859,330 399,606 31,599 36,797 211,430 5,199 2,000 6,500 693,131 111,156 7,000 1,100 4,502 6,000 1,599 3,000 10,000 78,432 20,296 243,085 80,215 63,980 798 52,788 30,477 117,476 33,997 23,212 1,995 404,938 82,056 84,119 46,391 36,740 3,497 8,153 19,119 16,451 296,526 177,407 8,467 48,207 18,376 8,529 67,194 55,899 3,399 186,302 89,500 663,280 96,091 90,643 80,697 95,964 48,200 411,595 40,399 35,640 50,922 31,795 23,990 74,449 67,500 52,910 5,000 3,000 17,470 403,075

387,491 1,204,807 20,985 1,613,283

2,075,597 3,413,666 1,075,705 6,564,968

2,468,667 1,776,339 501,803 4,746,809

8,420 71,849

46,800 44,698 1,600 173,367 34,475 66,711 8,000 30,098

50,980 190,264

65,130 87,500 52,000 2,200 17,000 6,300 482,255 226,300 80,925 39,000 225,860 113,827 39,220 71,170 18,750 815,052 68,532

4,800 10,000

14,800 6,300 1,800 960

9,060 15,798 9,592 10,000 52,163 127,080 180,924 13,995 409,552 35,063 27,764 20,925 4,982 22,000 5,000 1,750 117,484 35,205 450 24,500 11,600 36,684 55,909 3,905 81,824 43,710 339,574 633,361 31,159 12,500 751 44,410

1,964 19,021

86,000 43,000 193,800 156,199 547,531 68,950 24,450 5,500 68,600 7,559 55,700 36,000 30,400 297,159 670,177 10,000 775,113 67,416 30,673 74,166 151,488 46,085 1,825,118 238,550 5,800 207,827 399 7,000 12,000 399 471,975 4,500 40,000 100,200 21,560 21,437 216,974 155,956 13,500 37,000 611,127 143,194 161,735 51,020 149,497

MOVILIZ.

CONSOLID. 2,300

ACT. COMER. Y SERV.

9,000

61,044

1,502,563 291,885 980,958 109,764 373,565 670,930 166,983 96,834 105,421 4,298,903 1,047,649 227,829 135,881 534,658 397,779 608,385 623,879 299,051 3,875,111 432,304 162,265 191,588 277,389 114,080 222,144 175,568 1,575,338 771,994 86,499 146,266 448,116 188,007 85,650 169,464 116,938 307,131 89,650 2,409,715 976,837 874,390 737,640 744,362 528,025 1,075,237 441,656 539,744 255,906 6,173,797 1,155,124 1,660,074 260,235 1,077,755 100,030 307,634 484,215 325,203 5,370,270 3,199,909 394,277 826,941 451,745 183,596 404,415 433,379 199,397 1,552,664 244,296 7,890,619 928,279 406,436 419,314 138,785 183,221 2,076,035 995,093 812,903 254,910 215,758 647,045 215,857 510,198 112,798 97,127 160,587 168,029 4,190,305

39,210 354,395 9,000 402,605

36,266 547,488 61,044 644,798

11,762,286 21,510,721 4,587,086 37,860,093

4,950

3,790

4,950 13,500

6,090 14,345

2,000 8,000

15,500

13,000 13,000

22,345 5,600 2,231

7,831

5,760

5,760 1,850

160,995 49,550 4,000

216,395 7,500

10,939

204,073 13,800

228,812

40,601 4,000 2,700

44,432 1,011

14,200 5,000 24,000 31,000 17,000

86,044 15,002 3,000 9,483

32,000 14,800

123,800

123,303 8,336 55,858 214,982 17,650

17,650 2,000 48,707 9,190 2,575 7,000

572

CONSUMO

TOTAL

11,950 47,148 139,800 19,000 300 49,100 98,330 88,050 52,600 506,278 306,120 252,354 145,050 57,800 320,122 103,500 88,200 467,070 1,740,216 25,400 204,950 197,100 36,000 12,500 74,600 4,000 554,550 9,325 89,000 208,150 85,100 7,000

5,000 320,360 136,260 46,259 899,074 8,200 1,551 11,760 4,500 51,245 2,700 253,457 45,100 149,382 133,451 661,346 67,840 101,980 77,861 61,700 4,600 313,981 180,690 708,456 127,642 485,150 79,832 365,165 186,661 246,511 4,500 61,150 46,000 2,491,757

2,508,120 907,652 1,605,083 1,047,890 1,008,314 1,510,006 698,473 663,738 873,910 10,823,186 4,320,423 1,298,849 761,649 2,109,169 2,474,720 1,180,536 1,878,560 2,522,318 16,546,224 1,458,392 735,700 959,521 892,441 519,763 593,070 356,299 5,515,186 1,723,357 611,125 603,028 891,180 913,071 484,082 860,168 807,468 1,752,362 1,036,126 9,681,967 3,407,775 1,980,166 1,816,248 3,088,419 2,807,448 2,974,856 1,484,858 2,249,573 747,562 20,556,905 3,340,744 2,134,116 761,597 3,568,971 895,316 1,125,970 1,799,046 1,019,566 14,645,326 4,111,529 909,336 2,681,197 1,783,478 825,809 877,923 2,176,380 1,234,746 2,122,786 910,024 17,633,208 1,564,016 1,043,066 822,144 835,154 622,760 4,887,140 3,459,441 2,131,290 1,141,878 1,341,491 1,632,632 1,782,789 1,523,649 1,114,697 782,926 1,048,001 891,904 16,850,698

3,278,119 2,874,270 2,824,652 8,977,041

39,778,075 57,722,579 19,639,186 117,139,840

33,500 45,000 146,345 186,550 809,970 143,859 219,630 82,100 21,420 321,500 84,400 89,600 37,360 999,869 77,550 234,599 79,046


Banco Nacional de Fomento

Gerencia de Riesgos

14

CREDITO ORIGINAL PARA CULTIVOS AGRICOLAS SEGUN SUCURSALES Y ZONALES A MARZO 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

Fréjol

Arveja

6,431 3,417 399

3,816 47,088

15,312

21,743 5,857

532,902 583,937

61,518 13,636 11,348

798 399

1,197 399 399 399

798 3,149

2,068 2,068

1,197 17,366 38,525 4,430

399 7,889 798 6,655

4,779 38,051

1,197

Papa 7,399 161,302 295,480 222,777 28,791 5,398 12,029

733,176 65,261 103,102 399 20,317 85,863

106,872 381,814 798 399 399

Tomate Hortícola

Cebolla

Algodón

Palma Africana

Soya

Cacao

2,399

Banano

Caña de  Azúcar

48,400 3,598

399 39,681 37,528 24,134 399

12,220

104,540 29,803

19,190 82,906

2,849

25,601 31,052

32,652

Café

8,400 3,171

38,352 12,000

36,000 3,799 217,050 217,050

57,594 57,594 148,009

47,141 82,880 163,442 441,472 46,000

139,559

96,398

50,352 10,080

399 1,050 18,558 18,558

1,449

8,490 3,099 2,580 24,249

399 399 4,595 4,595

38,304 38,806

77,110

5,198 399

399 1,197

7,193 399

11,266 58,480 293,355 119,472 459,759 56,370 399

5,300

399 3,969

2,120

2,513

49,699 61,498 157,197

399

637

1,000,298

1,036

7,420

6,881 93,450 17,640 604,146

810,939 30,667 19,740 74,288 167,121 1,102,755 36,867 10,898

33,996

81,761 482,839 35,488 833,153 254,607 133,169 82,926

4,624 472,655 253,142 829,834 144,661 1,704,916 123,516 46,131 43,397

399 243,420 26,336

984,992

3,900 7,000 45,500 36,799 8,901

5,500 43,000 48,500

26,163 26,163 11,344 30,560

8,070

273,459 93,445

15,610 147,893 238,621 399 17,750

3,100

579,948 19,196 151,233

8,070 1,950

3,100

3,000

399

438,496

285,434

2,107,616 6,638

1,089,079 399

6,127

7,624 9,726

2,120

17,749

2,120

399

37,000

890,905 60,100 111,100 5,399 22,067 10,000 208,666

399

399

43,803

7,000

52,029 2,000

4,482 7,000 6,482

7,000

17,399

248,472 80,587

2,000 20,000

19,399 43,300 20,000 3,000 13,310 7,038 23,348

3,388,670

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

28,398

28,398

100,605 1,950

2,394

102,555

2,394

1,122,183

1,122,183

144,612 2,519

166,029 8,469

3,100

147,131

174,498

3,100

1,197 21,019 16,800 139,313 118,450 25,474 21,000 191,019 414,509 152,015 97,453 67,600 6,399 1,093,919 215,303 26,500 107,040 251,513 248,789 6,135 507,820 1,899 1,364,999 5,490 33,960 3,000 50,000 15,399 122,999 2,500 52,399 285,747 8,099 2,394

5,000 5,000 24,000

4,781,154 118,536 133,494 22,549 47,223 22,437 344,239 125,699 61,783 98,280 125,010 410,045 736,984 22,371 41,598 8,197 399 28,181 1,658,547 6,441,780 14,983,092 1,843,506 23,268,378

600,624

5,439

798

30,399

217,050 1,021,992 600,624 1,839,666

656,263 3,963,900 681,117 5,301,280

333,389 29,830 148,089 511,308

49,949 134,728 798 185,475

144,567 361,059 30,399 536,025

1,804,517 2,755,557 378,489 4,938,563

63,300

36,565 17,409 124,000 459,215

3,591

99,843 98,297

349,059

399

1,588,051 3,391,692 3,990 4,983,733

305,572 50,913 6,798 16,800 78,842 856,181 23,596

18,662 656,007

399

83,773 3,304,897

311,544 2,092,554 727,494 187,251 798 352,687 182,715 65,326 100,730 910,841 2,527,842 70,394 399 399 2,798 74,046 64,897 135,256 348,189 127,506 76,060 50,464 107,185 336,794 147,972 469,972 157,242 53,809 131,150 1,658,154 645,447 143,263 786,450 974,705 1,329,128 1,193,876 664,544 1,156,302 370,629 7,264,344 496,408 75,631 185,015 399,406 487,410 318,471 629,115 1,899 2,593,355 538,525 342,030 836,153 848,263 458,057 228,560 941,831 535,336 52,399

399 10,892 101,699 24,819 97,881 18,258 36,800 47,646 6,971 17,298 399 399 9,519 361,689

399

2,394 399 399

36,900 725,980 330,312 66,944

2,000

45,029

105,160 43,618 64,648 304,577 222,902

37,000

1,950

538,995 31,000 119,000

74,996 210,489 390,990 396,739 354,763 308,181 44,852

1,500

28,500 9,016 78,817 16,000 126,650 357,183

86,550 245,846 227,684 11,400 24,300 5,000

3,399 3,399

399 3,000 2,040 4,000 798

Total Cultivos

16,798 39,158 80,896 105,098 207,997 210,508 28,625

2,399 68,449 5,399

3,000

399 475,255 4,500

12,765

399

20,610 4,500 25,110 433,547 100,149 765,450 179,540 98,657 288,119 267,873 139,551 52,448 2,325,334 118,722

3,900

Otros Cultivos

2,000


Banco Nacional de Fomento

Gerencia de Riesgos

15

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

            673           2,021                   6                48                   6              256                27                66                   2                24                   1              348                40                19                59           1,061           4,657

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

              72           1,557              964              508                98              112           3,311

    3,386,170      4,959,578            28,398          102,555              2,394      1,122,183          102,131          164,985              3,100          362,426                  399          855,800            70,436          173,475          404,435      3,045,059    14,783,524

             2,500        3,388,670             24,155        4,983,733             28,398           102,555               2,394        1,122,183             45,000           147,131               9,513           174,498               3,100       1,477,240        1,839,666               3,000               3,399       4,445,480        5,301,280          440,872           511,308             12,000           185,475          131,590           536,025       1,893,504        4,938,563       8,484,854      23,268,378

       264         185

   1,216,257        452,462

           59               1           669             86               2             21           299       1,146

       674     2,024             6           48             6         256           30           68             2           83             2     1,017         126           21           80     1,360     5,803

          12              2              3              1              3              1            49

        81,104             8,135          42,379                702          14,748             4,020        203,614

            4              8            57         589

           19       1,963           355             16             32             36       2,421

         91     3,520     1,319         524         130         148     5,732

        328,140      5,776,732      1,180,021          662,047          487,090          125,103      8,559,133

        106,365     18,494,086       2,113,452          158,962          178,270          284,961     21,336,096

         434,505      24,270,818        3,293,473           821,009           665,360           410,064      29,895,229

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

              22           103              116           440                38

       125         556           38

          74,003          158,777          402,605

     1,217,735        1,291,738       6,314,680        6,473,457           402,605

         8,144       4,110

12,254

  23,978,042

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

            556           378           9,985       1,861              508       1,021

       934   11,846     1,529

TOTAL CREDITO

       19,193       7,370

26,563

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

             1               3

TOTAL f = d + e

R E N O V A D O No. OPERAC. VALOR g h

             3               2

No. OPERAC. i = c + g

T   O   T   A   L VALOR j = f + h

%

        38,235          49,114        189,685     2,300,455

       938      2,209              6            48              6         268            32            71              3            86              3      1,066         126            25            88      1,417      6,392

     4,604,927       5,436,195             28,398           102,555               2,394       1,203,287           155,266           216,877               3,802       1,854,414               7,419       5,504,894           511,308           223,710           585,139       5,128,248     25,568,833

3.9% 4.6% 0.0% 0.1% 0.0% 1.0% 0.1% 0.2% 0.0% 1.6% 0.0% 4.7% 0.4% 0.2% 0.5% 4.4% 21.8%

            8            90            25            13              5              5         146

        28,556        645,660          71,996          60,032          48,150          11,787        866,181

          99      3,610      1,344         537         135         153      5,878

         463,061     24,916,478       3,365,469           881,041           713,510           421,851     30,761,410

0.4% 21.3% 2.9% 0.8% 0.6% 0.4% 26.3%

          16            12

      321,545          91,511

   37,353,365      61,331,407

       144         907

      644,798     4,224,490

       141         568            38         144    13,161

     1,613,283       6,564,968           402,605           644,798     65,555,897

1.4% 5.6% 0.3% 0.6% 56.0%

        882,894    20,448,202      1,776,213

     3,673,458        4,556,352     13,509,192      33,957,394       7,136,848        8,913,061

          62      1,048            17

      190,457     3,902,699          63,980

       996    12,894      1,546

     4,746,809     37,860,093       8,977,041

4.1% 32.3% 7.7%

  47,085,351

   61,672,863   108,758,214

    2,034

   8,381,626

  28,597

117,139,840 100.0%


Banco Nacional de Fomento

Gerencia de Riesgos

16

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

DESTINO DE LA INVERSION

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

2010 %

c

V   A   L   O   R 2011 VARIACION d d ‐ c

%

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

      2,108        5,643              10              25                8            700            147            228                3              73                9        1,775              88              32            125        2,037      13,011

         674       2,024               6             48               6           256             30             68               2             83               2       1,017           126             21             80       1,360       5,803

   (1,434)     (3,619)             (4)            23             (2)        (444)        (117)        (160)             (1)            10             (7)        (758)            38           (11)           (45)        (677)     (7,208)

     (68.0%)       (64.1%)       (40.0%)        92.0%       (25.0%)       (63.4%)       (79.6%)       (70.2%)       (33.3%)        13.7%       (77.8%)       (42.7%)        43.2%       (34.4%)       (36.0%)       (33.2%)      (55.4%)

    6,315,614      8,665,507              7,536         104,876            31,054      1,385,079         265,148         370,068              6,586      1,160,258            10,811      4,406,813         432,306         216,808         823,162      7,117,367    31,318,993

      3,388,670        4,983,733             28,398           102,555                2,394        1,122,183           147,131           174,498                3,100        1,839,666                3,399        5,301,280           511,308           185,475           536,025        4,938,563     23,268,378

   (2,926,944)     (3,681,774)            20,862             (2,321)           (28,660)         (262,896)         (118,017)         (195,570)             (3,486)          679,408             (7,412)          894,467            79,002           (31,333)         (287,137)     (2,178,804)     (8,050,615)

      (46.3%)        (42.5%)       276.8%          (2.2%)        (92.3%)        (19.0%)        (44.5%)        (52.8%)        (52.9%)         58.6%        (68.6%)         20.3%         18.3%        (14.5%)        (34.9%)        (30.6%)        (25.7%)

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

            96      12,434            205      14,054            224              55      27,068

           91       3,520       1,319           524           130           148       5,732

           (5)     (8,914)      1,114   (13,530)           (94)            93  (21,336)

       (5.2%)       (71.7%)      543.4%       (96.3%)       (42.0%)      169.1%      (78.8%)

       561,020    28,251,378      1,068,483    11,732,257         509,415         486,623    42,609,176

         434,505     24,270,818        3,293,473           821,009           665,360           410,064     29,895,229

       (126,515)     (3,980,560)       2,224,990   (10,911,248)          155,945           (76,559)   (12,713,947)

      (22.6%)        (14.1%)       208.2%        (93.0%)         30.6%        (15.7%)        (29.8%)

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

          817          125            830          556                1             38

      (692)      (84.7%)        (274)      (33.0%)            37 3,700.0%

    3,748,829    11,199,630              5,043

      1,291,738        6,473,457           402,605

   (2,457,091)        (65.5%)     (4,726,173)        (42.2%)          397,562   7,883.4%

    41,727     12,254

(29,473)      (70.6%)

  88,881,671

   61,331,407

(27,550,264)        (31.0%)

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

      3,928          934      49,934     11,846        1,604       1,529

   (2,994)      (76.2%)  (38,088)      (76.3%)          (75)        (4.7%)

  11,720,829    55,698,575      8,817,636

      4,556,352     33,957,394        8,913,061

   (7,164,477)        (61.1%)   (21,741,181)        (39.0%)            95,425           1.1%

CREDITO ORIGINAL

    97,193     26,563

(70,630)      (72.7%)

165,118,711

108,758,214

(56,360,497)        (34.1%)

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

SUPERFICIE FINANCIADA (Ha.) 2010 2011 VARIACION e f f ‐ e       6,884       9,881             26           104             25       1,021           230           270             14       1,050               8       3,766           413           262           816       5,469     30,239

      4,761        8,039             43           127               6           688           115             95             10        1,834               5        5,071           347           172           674        4,140     26,127

  (2,123)    (1,842)           17           23          (19)       (333)       (115)       (175)            (4)         784            (3)     1,305          (66)          (90)       (142)    (1,329)    (4,112)

%

       (30.8%)         (18.6%)          65.4%          22.1%         (76.0%)         (32.6%)         (50.0%)         (64.8%)         (28.6%)          74.7%         (37.5%)          34.7%         (16.0%)         (34.4%)         (17.4%)         (24.3%)         (13.6%)


Banco Nacional de Fomento

Gerencia de Riesgos

18

COMPARACION ANUAL DE LAS FUENTES DE FINANCIAMIENTO PARA CREDITO ORIGINAL A MARZO 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    78,781,143       9,328,298               5,000        5,250,206        3,570,595           282,714           178,233

2011    26,938,437     16,211,377     15,010,539        1,066,293             82,000

VALOR      (51,842,706)          6,883,079                 (5,000)          9,760,333         (2,504,302)            (200,714)

           47,545               5,000

          (130,688)           (73.3)                  5,000

           41,550

%          (65.8)            73.8         (100.0)          185.9           (70.1)           (71.0)

             (41,550)         (100.0)

     8,433,855        3,645,009        4,586,152           197,694               5,000     61,018,990     61,018,990       8,647,421

     7,118,504        1,168,432        5,884,542             65,530       3,608,556        3,608,556       4,169,133

       (1,315,351)         (2,476,577)          1,298,390            (132,164)                 (5,000)       (57,410,434)       (57,410,434)         (4,478,288)

         979,774

           50,000

          (929,774)           (94.9)

         100,728

         (15.6)           (67.9)            28.3           (66.9)         (100.0)           (94.1)           (94.1)           (51.8)

          (100,728)         (100.0)

         111,924

             8,000

          (103,924)           (92.9)

      6,753,844

      4,111,133

       (2,642,711)           (39.1)

   77,650,644

          (701,151)         (100.0)              (39,503)             (0.1)               (10,000)         (100.0)

         701,151     77,690,147             10,000     10,710,869     57,774,946           293,154        8,524,482             12,130           364,566

      8,082,379     60,653,704           184,548        8,728,513               1,500

       (2,628,490)          2,878,758            (108,606)              204,031               (10,630)            (364,566)

         (24.5)               5.0           (37.0)               2.4           (87.6)         (100.0)

 165,118,711

 108,758,214

     (56,360,497)           (34.1)


Banco Nacional de Fomento

Gerencia de Riesgos

19

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

SUCURSALES Y ZONALES

Microcrédito No.

Valor

Plan 555 No.

Valor

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

          46            49            39            32            17            33              8              5            13          242          398            79            39          159          257              5          174          353      1,464            45            17              7            54            15            27            11          176            37            24            48          106          193            40          105            33            43            31          660              7            25          126          115            51            89            55            53              1          522          243          115          100          247            38          133          351            73      1,300            86              4            38            99            10            19            38            16          148            15          473            69            23            25            57            27          201          156            44            17            39            57            18            30            13              3              6            11          394

            225,683              199,540              172,990              120,487                46,000              147,432                23,840                22,214                48,726          1,006,912           1,236,969              280,509              112,050              338,627              854,393                10,289              654,980              719,082          4,206,899              213,043                80,101                39,400              156,601                81,300                98,330                39,500              708,275              162,557                78,160                95,269              177,683              312,136                98,650              260,660                87,070              181,970              137,807          1,591,962                45,954                84,744              523,100              377,420              198,472              292,239              173,590              148,148                   2,000          1,845,667              530,512              283,173              166,061              934,050              142,200              196,314              691,113              208,530          3,151,953              226,275                   6,060              143,384              310,639                35,500                49,343              113,755                62,000              361,203                74,498          1,382,657              325,100                72,300                79,600              180,900              100,800              758,700              525,001              144,860                77,982              194,153              218,362                84,670              146,500                63,000                14,492                29,900                59,432          1,558,352

       184              3            15              3            40            27            28              7            13         320            83              3            38              1              4            28            12            19         188            18              3              3              3              4              1              8            40              8              9              3            12

            594,797                12,311                54,330                   8,102                77,838              106,300                70,303                28,200                39,500              991,681              217,713                   7,500                65,212                   2,000                15,800                57,282                32,000                54,462              451,969                61,141                15,000                14,400                12,000                14,800                   1,500                30,395              149,236                24,717                38,105                13,000                25,455

          40              1            10            41            40         164         146              2            11            77         114            26         103         141            27         647

              89,174                   1,600                29,361              156,480              154,900              532,792              509,779                   2,040                41,000              243,840              210,272                77,405              255,905              315,046                66,245          1,721,532

          50

            110,232

          36            45            63            18         212            46            21            81            14            13              1         195              9            17              8         405            22              2            23            17            18            82              3            93            40            32            87            40            48            27            20            50            23         463

SIERRA COSTA E INSULAR AMAZONIA NACIONAL

    2,468      2,496          468      5,432

        7,194,271          7,138,977          1,878,129        16,211,377

       631      1,346         544      2,521

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

Crédito Desarrollo Humano No. Valor

            137,212                63,648              116,287                47,000              474,379                81,030                43,026              230,145                39,740                39,500                   5,000              375,855                25,600                43,803                38,000              921,699              100,800                   2,600                75,828                53,590                57,210              290,028                13,000              307,899              141,140              124,970              263,285                89,236              158,200                89,910                89,100              210,598                97,850          1,585,188

            235                63                49                48                66              108                80                21                66              736              257                37                52              173              106                67                84              177              953                99                57                50                81                39                17                53              396              179                20                46                43                72                24                52                65                80                27              608              202              191              102              199              205              225              112                99              183          1,518              224              155              100              111                96              108                96                61              951          1,346              184              230              176                96              166              132                91              125                  2          2,548              149              105              183                55                30              522                68              120                43              202              172                51                68                24                10                19                35              812

                93,765                  25,137                  19,551                  19,152                  26,334                  43,092                  31,920                    8,379                  26,334               293,664               102,543                  14,763                  20,748                  69,027                  42,294                  26,733                  33,516                  70,623               380,247                  39,501                  22,743                  19,950                  32,319                  15,561                    6,783                  21,147               158,004                  71,421                    7,980                  18,354                  17,157                  28,728                    9,576                  20,748                  25,935                  31,920                  10,773               242,592                  80,598                  76,209                  40,698                  79,401                  81,795                  89,775                  44,688                  39,501                  73,017               605,682                  89,376                  61,845                  39,900                  44,289                  38,304                  43,092                  38,304                  24,339               379,449               537,054                  73,416                  91,770                  70,224                  38,304                  66,234                  52,668                  36,309                  49,875                       798            1,016,652                  59,451                  41,895                  73,017                  21,945                  11,970               208,278                  27,132                  47,880                  17,157                  80,598                  68,628                  20,349                  27,132                    9,576                    3,990                    7,581                  13,965               323,988

        1,814,298          3,407,638          1,896,568          7,118,504

        2,586          5,539              919          9,044

          1,031,814            2,210,061               366,681            3,608,556

Programas Especiales No.

Valor

         4

           172,000

         2           3           2

             36,000               85,500               32,000

      11

           325,500

         8           4

             61,933               47,000

         1           3           2           1        19           1

             19,998               39,220               26,080               18,750             212,981               49,996

Fondos Propios No.

         2

             66,000

         2           2

           100,000               96,000

         7           1

           311,996               15,400

         2           2           1           6        44           1

             40,000               36,000               30,400             121,800             670,177               10,000

      32           2           1           1           6           2        89           8

           769,414               31,839               20,000               40,000               90,000               34,064         1,665,494             212,850

         4

           164,628

         1

             12,000

      13

           389,478

         2           3

             26,000               28,400

         5

           206,000

      10           2           1           1

           260,400               51,800               26,035               20,000

         4        49           3           2

             97,835             376,084               79,856               20,400

         2           3           3           2

             40,800               84,709               65,600               69,000

         1           1        66

             28,000               19,200             783,649

           65             76           134             65           107           112             61             49             60           729           397           146             61           232           220           183             91           268        1,598             78             62             74             81             31             52             32           410           183             61             64           121             77             31           123             91           139             85           975           131           205           205             96           224           261             95           282             81        1,580           261           192             85           200             40           179           132             59        1,148           185           103           202           189             73             74           238           103           126             42        1,335           110             85             50             70             46           361           206           181             94           100           116           140           106             81             41             80             60        1,205

      40      116        69      225

           905,877         2,413,207             850,049         4,169,133

      3,488        4,424        1,429        9,341

Total Original Valor

No.

Valor

           1,351,325                 621,641             1,344,322                 748,437                 755,316             1,134,356                 519,478                 551,648                 705,750             7,732,273             2,707,974                 919,799                 516,639             1,680,430             1,497,627             1,041,065             1,053,590             1,659,401           11,076,525             1,082,628                 614,370                 819,771                 688,101                 308,102                 389,590                 244,863             4,147,425             1,419,591                 486,880                 476,405                 654,554                 539,147                 279,196                 564,490                 625,102             1,345,992                 702,246             7,093,603             2,023,318             1,731,003             1,211,450             1,418,414             1,894,215             1,931,417                 806,530             1,387,904                 491,209           12,895,460             2,036,950             1,466,705                 506,714             2,379,944                 554,000                 734,528                 817,610                 695,089             9,191,540             1,948,162                 524,436             1,175,302                 995,345                 573,868                 607,333             1,287,575                 922,320             1,288,648                 425,600             9,748,589                 938,385                 810,880                 502,833                 578,719                 452,780             3,283,597             2,486,270             1,550,795                 836,492                 917,580             1,036,982             1,503,825             1,118,326                 883,211                 675,344                 771,350                 701,457           12,481,632

            534              191              237              150              233              282              177                82              152          2,038          1,135              273              194              565              588              286              363              818          4,222              241              139              136              219                91                99              104          1,029              408              114              161              282              342              135              281              201              305              184          2,413              530              424              444              519              596              602              366              581              294          4,356              736              512              285              562              210              465              643              211          3,624          1,663              314              554              478              192              260              608              219              416                67          4,771              352              216              282              199              121          1,170              482              441              196              373              434              252              255              147                74              156              130          2,940

          2,437,570               858,629            1,591,193               932,178               990,988            1,463,180               645,541               610,441               820,310          10,350,030            4,265,199            1,284,504               761,649            2,090,084            2,430,112            1,174,589            1,800,166            2,522,318          16,328,621            1,446,309               732,214               959,521               889,021               519,763               592,203               335,905            5,474,936            1,693,686               611,125               603,028               874,849               880,011               476,596               847,498               807,468            1,752,362            1,036,126            9,582,749            3,329,826            1,903,996            1,816,248            2,888,489            2,416,593            2,410,836            1,320,713            1,980,599               666,535          18,733,835            2,869,688            1,921,955               712,675            3,522,911               871,716            1,037,582            1,675,314               974,958          13,586,799            2,792,521               672,938            1,669,001            1,415,948               687,172               727,910            2,035,853            1,046,229            1,743,529               538,896          13,329,997            1,475,536               953,710               751,278               835,154               622,760            4,638,438            3,427,487            2,131,290            1,093,171            1,317,301            1,628,057            1,782,789            1,515,758            1,114,697               782,926            1,047,429               891,904          16,732,809

         28,001,588           35,119,186           14,529,870           77,650,644

        9,213        13,921          3,429        26,563

        38,947,848          50,289,069          19,521,297       108,758,214


Banco Nacional de Fomento

Gerencia de Riesgos

20

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

Lineas de Financiamiento

Ene

Feb

Mar

Total

Microcrédito

             3,381,455           5,830,798             6,999,124                 16,211,377

Plan 555

             2,066,678           2,115,193             2,936,633                   7,118,504

Crédito Desarr. Humano

                  68,628           1,642,284             1,897,644                   3,608,556

Programas Especiales

                740,723           1,346,135             2,082,275                   4,169,133

Fondos Propios

          19,138,030         24,517,997           33,994,617                 77,650,644

TOTAL

          25,395,514

       35,452,407

         47,910,293

             108,758,214

número de operaciones

Lineas de Financiamiento

Ene

Feb

Mar

Total

Microcrédito

                    1,228                   2,090                     2,114                           5,432

Plan 555

                        816                       749                        956                           2,521

Crédito Desarr. Humano

                        172                   4,116                     4,756                           9,044

Programas Especiales

                          42                       113                          70                              225

Fondos Propios

                    2,410                   3,218                     3,713                           9,341

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

                    4,668                 10,286

                11,609

                       26,563

/Marzo%202011  

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