reportbyproduct2012-detailmfi

1

Report by Product: Accion Network and Partners

TOTAL BY THE END OF DECEMBER, 6.010.074 3,31%7.083.182ACTIVE CLIENTS ACTIVE PORTFOLIO PAR >30

PRODUCT Active Borrowers % Active Portfolio (000's) % PAR >30 * Average Loan Size ** Average Loan Balance **Group Loans 559.541 9,3% 248.954.155 3,5% 3,3% 687 445

Individual Loans (Working Loan) 1.056.740 17,6% 2.814.215.629 39,7% 3,4% 3.718 2.663

Consumer Loans 217.104 3,6% 817.047.438 11,5% 5,4% 3.560 3.763

Commercial Loans (SME) 54.406 0,9% 259.340.112 3,7% 10,8% 17.334 12.534

Housing 33.015 0,5% 148.764.051 2,1% 3,3% 4.930 4.506

Fixed Assets 39.674 0,7% 294.919.788 4,2% 3,2% 4.235 7.434

Village Banking 2.129.448 35,4% 788.373.691 11,1% 2,3% 1.459 400

Other Products 236.229 3,9% 494.176.690 7,0% 3,0% 9.243 2.092

Not detailed 1.683.917 28,0% 1.217.390.803 17,2% 7,6% 2.237 723

TOTAL 6.010.074 100,0% 7.083.182.357 100% 3,31% 953 1.179

* Portfolio at Risk includes: Total balance of loans past-due > 30 días normal portfolio + total balance of refinanced portfolio >30 days + total balance of portfolio in legal recovery. * *Values in USD (Real Amount)

LATI

N A

MER

ICA

AFR

ICA

AN

D A

SIA

Crédito Mujer from Banco Comparta-mos is the most important Village bank-ing product in terms of active borrow-ers representing 93% of this type and it represents 80% of its loans operations..

249

2,81

4

817

259

149

295

788

494

1,21

7

3.3%

3.4%

5.4%

10.8

%

3.3%

3.2% 2.

3%

3.0%

7.6%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

0

500

1,000

1,500

2,000

2,500

3,000

GRO

UP

LOAN

S/S

OLI

DARIO

S

IND

IVID

UAL

LOAN

S

CO

NSU

MER L

OAN

S/C

ON

SU

MO

PYM

E

HO

USIN

G/V

IVIE

ND

A

FIXED

ASSETS

/ACTI

VO

S FI

JOS

VIL

LAG

E B

AN

KIN

G/B

AN

CA

CO

MU

NAL

OTH

ER P

RO

DU

CTS

/OTR

OS

NO

T D

ETA

ILED

/SIN

DETA

LLE

Mill

ions

LOAN PORTFOLIO US$/ CARTERA ACTIVA

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

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

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

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

Group loans modality occupies the most important participation in terms of clients due in great part to Swahit loan from Swadhaar. Furthermore, AFMB and Akiba lead the ranking of clients from Individual Loans in the re-gion.Consumer product offered by Akiba is the most important in the list in terms of Borrowers. On the other hand, SMEs , Housing and fixed assets loans focus a very low value regarding Borrowers. Group and Individual loans continue leading the list.Consumer Loans not only keeps the highest amount of Borrowers but it also concentrates the highest PAR>30 level related to this product type., It is im-portant to highlight the low PAR level which Saija keeps in their products.The average loan balance is quite high for SME loan in the region and is due to AMFB and Akiba products .On the other hand, the lowest level is coming from group loans in the region.

The highest average amounts are han-dled in invididual loans. These amounts are the highest for this type of product This is because of the incidence of aver-age amounts given for working capital loans in AMC China.

The largest loan portfolio in the mo-dality of group loans is reflected in Swadhaar´s Swahit product. However in terms of the proportion, individual credit products lead the participstion due to AMFB and Akiba´s individual loans.

Report By Product DICIEMBRE 2012/DECEMBER 2012 Reporte Por Producto

ACTIVE

CLIENTS/CLIENTES

ACTIVOS

%LOAN PORTFOLIO US$/

CARTERA ACTIVA%

AVERAGE FIRST LOANS

(US$)/MONTO PRIMARIO

DESEMBOLSADO

AVERAGE LOAN DISBURSED

(US$)/MONTO PROMEDIO

DESEMBOLSADO

AVERAGE LOAN

BALANCE

(US$)/SALDO

PROMEDIO

PAR>30

DAYS/CARTERA

AFECTADA>30 DIAS

434,022 7.9% 225,516,093 3.4% 1,346 1,717 520 2.5%

930,149 17.0% 2,701,094,937 40.2% 3,771 3,575 2,904 3.4%

209,084 3.8% 809,668,263 12.0% 4,326 4,317 3,872 4.6%

52,971 1.0% 248,045,375 3.7% 77,799 28,142 4,683 5.8%

16,660 0.3% 126,981,531 1.9% 2,284 7,426 5,748 6.1%

39,429 0.7% 293,183,134 4.4% 6,460 7,583 5,018 6.1%

2,086,091 38.2% 769,692,825 11.5% n/a n/a 369 2.3%

180,702 3.3% 467,990,804 7.0% 25,868 14,176 130,849 3.0%

1,511,740 27.7% 1,078,578,592 16.0% 1,787 2,726 2,153 1.9%

TOTAL REGULATED/REGULADAS 5,460,848 100.0% 6,720,751,555 100.0% 1,045 947 1,231 3.29%

ACTIVE CLIENTS/CLIENTES

ACTIVOS%

LOAN PORTFOLIO US$/ CARTERA

ACTIVA%

AVERAGE FIRST LOANS


DESEMBOLSADO



DESEMBOLSADO

AVERAGE LOAN

BALANCE

(US$)/SALDO

PROMEDIO

PAR>30 DAYS/CARTERA

AFECTADA>30 DIAS

INDIVIDUAL 17,450 11.9% 16,296,281 12.0% 1,376 2,111 1,592 8.7%CONSUMER LOANS/CONSUMO 4,658 3.2% 1,466,789 1.1% 388 408 315 0.8%HOUSING 89 0.1% 141,054 0.10% 2,288 2,593 1,585 13.12%OTHER PRODUCTS/OTROS 6,150 4.2% 1,881,261 1.4% 393 313 306 0.0%NOT DETAILED/SIN DETALLE 118,232 80.7% 115,508,197 85.4% 914 1,202 977 4.3%

TOTAL SERVICE COMPANIES 146,579 100.0% 135,293,581 100.0% 709 1,122 923 4.80%

TOTAL REGULATED INSTITUTIONS/INSTITUCIONES REGULADAS

TOTAL SERVICE COMPANIES/COMPAÑIAS DE SERVICIO

GROUP LOANS/SOLIDARIOS

INDIVIDUAL

PRODUCT/PRODUCTO

CONSUMER LOANS/CONSUMO

PYME

HOUSING/VIVIENDA

FIXED ASSETS/ACTIVOS FIJOS

VILLAGE BANKING/BANCA COMUNAL

OTHER PRODUCTS/OTROS

NOT DETAILED/SIN DETALLE

PRODUCT/PRODUCTO

3%

40%

12% 4%

2% 4%

12%

7%

16%

8%

17%

4%

1% 0% 1%

38%

3%

28%

Active Clients GROUP LOANS/SOLIDARIOS

INDIVIDUAL


PYME

HOUSING/VIVIENDA





2.5%

3.4%

4.6%

5.8% 6.1% 6.1%

2.3%

3.0%

1.9%

0.0%

2.0%

4.0%

6.0%

GROUP LOANS/SOLIDARIOS INDIVIDUAL CONSUMER LOANS/CONSUMO PYME HOUSING/VIVIENDA FIXED ASSETS/ACTIVOS FIJOS VILLAGE BANKING/BANCA COMUNAL OTHER PRODUCTS/OTROS NOT DETAILED/SIN DETALLE

Loan Portfolio

PAR>30

12% 1%

0%

2%

85%

12%

3% 0%

4%

81%

Active Clients

INDIVIDUAL


HOUSING



8.7%

0.8%

13.12%

0.0%

4.3%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

INDIVIDUAL CONSUMER LOANS/CONSUMO HOUSING

OTHER PRODUCTS/OTROS NOT DETAILED/SIN DETALLE

Loan Portfolio

PAR>30



ACTIVOS%


ACTIVA%

AVERAGE FIRST LOANS


DESEMBOLSADO



DESEMBOLSADO

AVERAGE LOAN

BALANCE

(US$)/SALDO

PROMEDIO

PAR>30 DAYS/CARTERA

AFECTADA>30 DIAS

INDIVIDUAL LOANS 65,169 28.5% 37,255,852 29.5% 651 1,211 364 2.3%PYME 1,301 0.6% 4,037,865 3.2% 1,424 2,288 3,104 1.1%HOUSING/VIVIENDA 16,034 7.0% 21,196,659 16.8% 4,303 3,532 575 0.8%VILLAGE BANKING/BANCA COMUNAL 43,357 19.0% 18,680,866 14.8% 269 2,347 431 0.4%OTHER PRODUCTS/OTROS 48,886 21.4% 21,606,546 17.1% 463 969 290 0.8%NOT DETAILED/SIN DETALLE 53,945 23.6% 23,304,014 18.5% n/a 1,805 432 2.1%

TOTAL NGO´S/ONG´S 228,692 100.0% 126,081,802 100.0% 333 1,176 551 1.98%


ACTIVOS%


ACTIVA%

AVERAGE FIRST LOANS


DESEMBOLSADO



DESEMBOLSADO

AVERAGE LOAN

BALANCE

(US$)/SALDO

PROMEDIO

PAR>30 DAYS/CARTERA

AFECTADA>30 DIAS

125,519 72.2% 23,438,062 23.2% 365 328 187 1.8%43,972 25.3% 59,568,559 58.9% 5,287 5,189 1,355 4.6%3,362 1.9% 5,912,386 5.9% 5,028 4,081 1,759 13.3%

134 0.1% 7,256,872 7.2% n/a 80,837 54,156 6.9%232 0.1% 444,808 0.4% n/a 2,576 1,917 2.3%245 0.1% 1,736,654 1.7% 8,369 4,619 3,979 1.0%491 0.3% 2,698,079 2.7% n/a 3,529 3,763 3.2%

TOTAL AFRICA-ASIA 173,955 100.0% 101,055,420 100.0% 616 958 581 4.50%

CONSUMER LOANS/CONSUMOPYMEHOUSINGFIXED ASSETS/ACTIVOS FIJOSOTHER PRODUCTS/OTROS

PRODUCT/PRODUCTO

PRODUCT/PRODUCTO

GROUP LOANS/SOLIDARIOSINDIVIDUAL LOANS

TOTAL AFRICA-ASIA

TOTAL NGO´S/ONG´S

30%

3%

17% 15%

17%

18%

28%

1%

7%

19%

21%

24%

Active Clients


INDIVIDUAL


PYME

HOUSING/VIVIENDA


Loan Portfolio

2.3%

1.1%

0.8%

0.4%

0.8%

2.1%

0.0%

0.5%

1.0%

1.5%

2.0%

2.5%

INDIVIDUAL LOANS PYME

HOUSING/VIVIENDA VILLAGE BANKING/BANCA COMUNAL

OTHER PRODUCTS/OTROS NOT DETAILED/SIN DETALLE

PAR>30

23%

59%

6%

7%

0% 2% 3%

72%

25%

2% 0% 0%

0%

1% Active Clients


INDIVIDUAL


PYME

HOUSING/VIVIENDA



Loan Portfolio

1.8%

4.6%

13.3%

6.9%

2.3%

1.0%

3.2%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

GROUP LOANS/SOLIDARIOS INDIVIDUAL LOANS

CONSUMER LOANS/CONSUMO PYME

HOUSING FIXED ASSETS/ACTIVOS FIJOS


PAR>30


PRODUCT/PRODUCTO TERM (MONTHS)ACTIVE CLIENTS/CLIENTES

ACTIVOS%


ACTIVA%

AVERAGE FIRST LOANS


DESEMBOLSADO



DESEMBOLSADO

AVERAGE LOAN

BALANCE

(US$)/SALDO

PROMEDIO

PAR>30 DAYS/CARTERA

AFECTADA>30 DIAS

GROUP LOANS/SOLIDARIOS 12 559,541 9.3% 248,954,155 3.5% 623 687 445 3.3%

INDIVIDUAL LOANS 18 1,056,740 17.6% 2,814,215,629 39.7% 3,629 3,718 2,663 3.4%

CONSUMER LOANS/CONSUMO 24 217,104 3.6% 817,047,438 11.5% 4,014 3,560 3,763 5.4%

PYME 47 54,406 0.9% 259,340,112 3.7% 16,384 17,334 12,534 10.8%

HOUSING/VIVIENDA 75 33,015 0.5% 148,764,051 2.1% 5,533 4,930 4,506 3.3%

FIXED ASSETS/ACTIVOS FIJOS 15 39,674 0.7% 294,919,788 4.2% 6,386 4,235 7,434 3.2%

VILLAGE BANKING/BANCA COMUNAL 6 2,129,448 35.4% 788,373,691 11.1% 269 1,459 400 2.3%

OTHER PRODUCTS/OTROS 24 236,229 3.9% 494,176,690 7.0% 14,359 9,243 2,092 3.0%

NOT DETAILED/SIN DETALLE n/a 1,683,917 28.0% 1,217,390,803 17.2% 1,569 2,237 723 7.6%

TOTAL INSTITUTIONS/INSTITUCIONES 6,010,074 100.0% 7,083,182,357 100.0% 1,000 953 1,179 3.31%

TOTAL INSTITUTIONS/INSTITUCIONES

24

9

2,8

14

81

7

25

9

14

9

29

5

78

8

49

4

1,2

17

3.3

%

3.4

%

5.4

%

10

.8%

3.3

%

3.2

%

2.3

%

3.0

%

7.6

%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

0

500

1,000

1,500

2,000

2,500

3,000

GROUP LOANS/SOLIDARIOS INDIVIDUAL LOANS

CONSUMER LOANS/CONSUMO PYME HOUSING/VIVIENDA


VILLAGE

BANKING/BANCA COMUNAL



Mill

ion

s

LOAN PORTFOLIO US$/ CARTERA ACTIVA PAR>30 DAYS/CARTERA AFECTADA>30 DIAS

3%

40%

12% 4%

2% 4%

11%

7%

17%

9%

18%

4% 1% 0%

1%

35%

4%

28%

Active Clients GROUP LOANS/SOLIDARIOS

INDIVIDUAL


PYME

HOUSING/VIVIENDA





Loan Portfolio

687 3,718 3,560 17,334 4,930 4,235 1,459 9,243 2,237 12

18 24

47

75

15

6

24

0 0

10

20

30

40

50

60

70

80

0 2,000 4,000 6,000 8,000

10,000 12,000 14,000 16,000 18,000 20,000

GRO

UP

LO

AN

S/S

OLID

ARIO

S

IND

IVID

UAL L

OAN

S

CO

NSU

MER

LO

AN

S/C

ON

SU

MO

PYM

E

HO

USIN

G/V

IVIE

ND

A

FIX

ED

ASSETS/A

CTIV

OS

FIJ

OS

VIL

LAG

E

BAN

KIN

G/B

AN

CA

CO

MU

NAL

OTH

ER

PRO

DU

CTS/O

TRO

S

NO

T D

ETAIL

ED

/SIN

DETALLE

AVERAGE LOAN DISBURSED (US$)/MONTO PROMEDIO DESEMBOLSADO TERM (MONTHS)

Report By Product DECEMBER 2012/ DICIEMBRE 2012 Reporte Por Producto

INSTITUTION PRODUCTTERM

(MONTHS)ACTIVE CLIENTS LOAN PORTFOLIO US$

AVERAGE

FIRST LOAN

(US$)

AVERAGE LOAN

DISBURSED (US$)

AVERAGE LOAN

BALANCE (US$)PAR>30 DAYS

EXCHANGE

RATE

BANCO COMPARTAMOS CRÉDITO COMERCIANTE 5 376,520 134,122,075 n/a n/a 356 3.68% 12.97

BANCO POPULAR Solidario CT 8 1 125 n/a n/a 125 100.00% 19.96

BANGENTE Mancomunados 9 34,612 84,361,366 3,098 3,617 2,437 0.81% 4.30

CREDICONFIA SOLIDARIO 5 16,512 5,189,860 382 556 314 12.78% 12.97

FINANCIERA FAMA GRUPAL Microcrédito 25 5,195 930,254 938 1,517 1,005 4.15% 24.13

INTEGRAL Consumo (S) 32 903 793,984 1,084 916 1,783 9.08% 1.00

Solidarios 5 126 51,007 201 1,094 400 2.94% 1.00

SCM AMAZONAS ACCION SOLIDARIO 8 153 67,421 618 700 441 19.46% 2.04

REGULATED INSTITUTIONS 434,022 225,516,093 1,346 1,717 520 2.5%

AKIBA Solidarity Loans 9 10,255 2,947,905 n/a 436 287 2.61% 1,595.50

EB-ACCION GHANA Group - Loans 7 307 29,240 n/a n/a 95 1.00% 1.90

SWADHAAR FINSERVE Swahit Loan (GL) 24 86,389 14,857,603 231 273 172 2.26% 54.78

GL - Top up Loan 12 681 449,517 n/a 81 660 0.69% 54.78

SAIJA SKR-Monthly 12 16 10,080 662 662 630 0.00% 54.78

SMR-Weekly 11 13 564 n/a n/a 43 100.00% 54.78

SKR-(New) 11 1,670 368,012 285 316 220 0.05% 54.78

SMR-(New) 11 12,315 1,846,277 205 211 150 0.00% 54.78

SKR-(Fortnightly) 13 1,445 503,247 419 419 348 0.00% 54.78

SMR-(Fornightly) 13 9,280 1,793,595 257 257 193 0.00% 54.78

SMR-(Monthly) 12 40 8,927 338 338 223 0.00% 54.78

EAMF CAMEROON CREDITS SOLIDAIRE MULTIPLES 6 3,108 623,096 224 286 200 2.02% 497.16

AFRICA AND ASIA 12 125,519 23,438,062 365 328 187 1.83%

559,541 248,954,155 623 687 445 3.27%TOTAL GROUP LOANS

GROUP LOANS/GRUPOS SOLIDARIOS

REGULATED INSTITUTIONS-INSTITUCIONES REGULADAS

AFRICA AND ASIA




AVERAGE

FIRST LOAN

(US$)

AVERAGE LOAN

DISBURSED (US$)

AVERAGE LOAN


EXCHANGE

RATE

BANCO COMPARTAMOS CRÉDITO CRECE TU NEGOCIO 12 104,502 111,369,912 n/a n/a 1,066 3.05% 12.97

CRÉDITO ADICIONAL 2 1,215 12,263,030 n/a n/a 10,093 3.77% 12.97

BANDELTA Capital de Trabajo 21 5,631 6,991,061 1,349 1,419 1,242 3.38% 1.00

Autómovil Micro 65 5,942 63,277,061 15,976 14,341 10,649 1.70% 1.00

BANCO SOLIDARIO Microempresa 28 81,895 265,684,937 2,965 3,621 3,244 2.44% 1.00

BANCOSOL Sol Individual 33 110,481 434,997,259 3,630 4,107 3,937 0.83% 6.86

Sol Crecer 19 9,328 7,364,330 1,038 1,081 789 1.87% 6.86

Sol DPF 23 355 1,042,029 2,647 2,912 2,935 0.33% 6.86

Sol Agropecuario 30 28,838 111,240,036 3,317 3,888 3,857 0.00% 6.86

Sol Agropecuario 36 1,067 5,922,984 5,313 5,562 5,551 0.00% 6.86

BANCO POPULAR Solidarios(Consumo) 47 15,059 20,584,385 n/a n/a 1,367 18.18% 19.96

Individual AF 23 2,554 5,424,017 n/a n/a 2,124 5.95% 19.96

Individual Cruzado 43 14 11,989 n/a n/a 856 86.30% 19.96

BANGENTE Individuales 9 15,087 96,894,998 11,878 7,403 6,422 0.55% 4.30

CREDICONFIA INDIVIDUAL 6 1,504 2,160,508 1,651 1,987 1,437 4.87% 12.97

FINANCIERA FAMA INDIVIDUAL microcrédito 22 32,807 20,416,827 611 788 622 2.26% 24.13

FINAMERICA Microempresa 22 79,666 231,605,540 2,918 3,281 2,907 8.34% 1,768.23

FINANCIERA EL COMERCIO Microempresas Urbanas* 12 12,111 12,931,606 n/a 2,311 1,068 8.11% 4,224.00

Microempresa Rural 12 45,323 70,330,489 n/a 2,006 1,552 3.83% 4,224.00

INTEGRAL Microcredito Individual 25 25,776 37,984,026 n/a n/a n/a 6.29% 1.00

MIBANCO Capital de Trabajo 16 208,046 653,625,951 2,306 3,220 3,142 5.68% 2.55

SCM AMAZONAS ACCIOn GIRO Facil 12 1,476 1,204,653 974 1,140 816 4.34% 2.04

ACCION ATIVO 24 213 220,818 1,132 1,387 1,037 5.88% 2.04

BANCO PICHINCHA CREDIFE 21 141,259 527,546,490 2,633 3,902 3,735 1.88% 1.00

REGULATED INSTITUTIONS 930,149 2,701,094,937 3,771 3,575 2,904 3.45%

SOGESOL FONDS DE ROULEMENT 8 4,741 14,373,871 2,557 3,999 3,032 7.11% 42.55

CASH RAPID 8 12,709 1,922,409 196 223 151 20.84% 42.55

SERVICE COMPANIES 17,450 16,296,281 1,376 2,111 1,592 8.73%

FMSD Microempresas 24 4,617 4,797,242 873 1,291 192 8.22% 1,768.23

GENESIS EMPRESARIAL MICROEMPRESA 13 60,552 32,458,610 429 1,130 536 1.43% 7.90

NGO'S 65,169 37,255,852 651 1,211 364 2.30%

AKIBA Biashara Loans (individual) 9 12,894 28,523,025 n/a 3,082 2,212 3.83% 1,595.50

AMFB MICRO BUSINESS (MCB) 6 14,409 12,145,528 1,086 1,445 843 4.28% 155.27

EB-ACCION GHANA Nkosuo - working capital 6 3,837 1,673,171 457 534 436 2.13% 1.90

Adwuma pa - Working Capital 8 4,183 3,900,021 1,503 1,576 932 9.08% 1.90

Micro - working capital 8 300 1,230,250 7,333 6,745 4,101 5.03% 1.90

SME - Working Capital 11 161 1,476,203 15,118 15,036 9,169 6.58% 1.90

SWADHAAR FINSERVE Swayog Loan (IL) 8 2,212 375,106 n/a 444 170 34.92% 54.78

BL - Top up Loan 8 2,591 810,468 442 486 313 0.85% 54.78

ACCION MICROFINANCE CHINA Working Capital Loan-Urban n/a 456 4,195,523 11,948 13,330 9,201 5.36% 6.29

Working Capital Loan-Rural n/a 342 2,261,667 7,461 9,354 6,613 3.15% 6.29

Agric Loan n/a 84 478,611 7,084 8,135 5,698 0.00% 6.29

EAMF CAMEROON CRD PETITES ENTREPRISE EQUIP 6 254 1,136,405 5,027 6,400 4,474 6.28% 497.16

FONDS DE ROULEMENT 6 2,249 1,362,582 701 884 606 3.87% 497.16

AFRICA AND ASIA 18 43,972 59,568,559 5,287 5,189 1,355 4.57%

1,056,740 2,814,215,629 3,629 3,718 2,663 3.41%

INDIVIDUAL LOANS-CREDITOS INDIVIDUALES

REGULATED INSTITUTIONS

SERVICE COMPANIES/COMPAÑÍAS DE SERVICIO

NGO´S-ONG'S

AFRICA-ASIA

TOTAL INDIVIDUAL




AVERAGE

FIRST LOAN

(US$)

AVERAGE LOAN

DISBURSED (US$)

AVERAGE LOAN


EXCHANGE

RATE

BANCO SOLIDARIO Olla de Oro 22 56,983 72,814,821 1,141 1,013 1,278 11.58% 1.00

BANCOSOL Sol de Oro n/a n/a n/a n/a n/a n/a n/a n/a

Sol Efectivo 31 18,867 62,614,386 3,262 3,789 3,319 0.23% 6.86

Sol Vehículo 56 110 1,318,257 13,815 14,382 11,984 0.00% 6.86

BANDELTA Consumo 21 147 149,548 1,132 1,115 1,017 0.53% 1.00

BANCO POPULAR Consumo 47 167 348,428 5,613 2,072 2,086 18.18% 19.96

FINANCIERA FAMA INDIVIDUAL consumo 18 3,700 2,900,983 873 1,027 784 1.70% 24.13

MIBANCO Bien Mueble 28 40,541 265,756,548 5,092 7,368 6,555 5.34% 2.55

Línea de Crédito _ 39,554 336,597,592 10,951 10,824 8,510 4.35% 2.55

Tarjeta de Crédito _ 5,142 2,537,821 1,583 1,270 494 9.38% 2.55

FINAMERICA Consumo 16 8,799 37,933,945 2,871 312 4,311 10.11% 1,768.23

FINANCIERA EL COMERCIO Préstamos Personales 16 4,910 10,631,906 1,256 1,238 2,165 8.78% 4,224.00

Tarjeta de Créditos 12 11 10,912 n/a n/a 992 100.00% 4,224.00

Préstamos Personales Rural 12 18,042 11,629,598 n/a 1,021 645 5.61% 4,224.00

Tarjeta de Créditos Rural 12 12,111 4,423,518 n/a n/a 365 13.72% 4,224.00

REGULATED INSTITUTIONS 209,084 809,668,263 4,326 4,317 3,872 4.63%

SOGESOL PRETS AUX SALARIES 12 4,658 1,466,789 388 408 315 0.80% 42.55

SERVICE COMPANIES 4,658 1,466,789 388 408 315 0.80%

AKIBA Consumer Loans 36 3,108 5,049,911 n/a 2,658 1,625 15.59% 1,595.05

EB-ACCION GHANA Staff Loan 36 165 690,045 6,550 5,072 4,182 0.00% 1.90

EAMF CAMEROON CREDIT AVERE 6 12 30,694 3,506 4,513 2,558 0.00% 497.16

ACCION MICROFINANCE CHINA Salary Loans n/a 77 141,736 2,172 2,438 1,841 0.00% 6.29

AFRICA AND ASIA 24 3,362 5,912,386 5,028 4,081 1,759 13.3%

217,104 817,047,438 4,014 3,560 3,763 5.4%TOTAL CONSUMER LOANS

CONSUMER LOANS-CREDITOS DE CONSUMO


SERVICE COMPANIES-COMPAÑIAS DE SERVICIOS

AFRICA-ASIA




AVERAGE

FIRST LOAN

AVERAGE LOAN

DISBURSED

AVERAGE LOAN

BALANCE PAR>30 DAYS

EXCHANGE

RATE

BANCO POPULAR Vivienda 174 983 12,218,787 6,913 6,128 12,430 5.94% 19.96

Vivienda Fideicomisos 42 19 3,292 n/a n/a 173 100.00% 19.96

BANCO SOLIDARIO Vivienda Popular 115 554 5,280,399 11,242 11,242 9,531 14.72% 1.00

INTEGRAL Vivienda Comunitaria 95 161 150,026 n/a n/a 932 14.72% 1.00

MIBANCO Personal para Empleados 32 783 3,035,206 4,148 4,908 3,876 0.56% 2.55

Mivivienda 171 223 2,541,835 n/a n/a 11,398 5.73% 2.55

Vivienda 33 13,937 103,751,987 n/a n/a 7,444 2.99% 2.55


SOGESOL KREDI KAY 12 89 141,054 2,288 2,593 1,585 13.12% 42.55

SERVICE COMPANIES 89 141,054 2,288 2,593 1,585 13.12%

FMSD VIVIENDA 120 636 3,580,670 7,233 5,510 5 18.98% 1,768.23

GENESIS EMPRESARIAL VIVIENDA 30 15,398 17,615,989 1,373 1,555 1,144 1.00% 7.90

NGO´S 16,034 21,196,659 4,303 3,532 575 0.84%

AKIBA Home Improvement Loans 6 232 444,808 n/a 2,576 1,917 2.33% 1,595.05

AFRICA AND ASIA 75 232 444,808 n/a 2,576 1,917 2.33%

33,015 148,764,051 5,533 4,930 4,506 3.30%



AVERAGE

FIRST LOAN

AVERAGE LOAN

DISBURSED

AVERAGE LOAN

BALANCE PAR>30 DAYS

EXCHANGE

RATE

BANDELTA Activo Fijo 27 1,472 2,410,934 1,970 1,928 1,638 1.08% 1.00

MIBANCO Bien Inmueble 30 37,957 290,772,200 6,835 8,490 7,661 3.28% 2.55


AMFB Fixed Assets 9 17 47,844 4,737 5,491 2,814 21.27% 155.27

EB-ACCION GHANA Nkosuo - Fixed Assets 6 2 1,254 n/a 816 627 5.30% 1.90

Adwuma pa - Fixed Assets 10 14 22,807 n/a 684 594 0.00% 1.90

Micro - Fixed Assets 13 11 55,383 n/a n/a 5,035 0.00% 1.90

SME - Fixed Assets 21 150 1,578,986 12,002 11,344 10,527 0.40% 1.90

EAMF CAMEROON MICROCREDIT EQUIPEMENT 6 51 30,379 792 889 596 0.30% 497.16

PETIT CREDIT EQUIPEMENT n/a n/a n/a n/a n/a n/a n/a n/a

AFRICA AND ASIA 15 245 1,736,654 8,369 4,619 3,979 0.96%

39,674 294,919,788 6,386 4,235 7,434 3.24%TOTAL FIXED ASSETS

HOUSING LOANS-CREDITOS DE VIVIENDA


SERVICE COMPANIES

NGO´S-ONG´S

AFRICA AND ASIA

TOTAL HOUSING

FIXED ASSETS-ACTIVOS FIJOS


AFRICA-ASIA




AVERAGE

FIRST LOAN

AVERAGE LOAN

DISBURSED

AVERAGE LOAN

BALANCE PAR>30 DAYS

EXCHANGE

RATE

BANDELTA Sobregiro n/a 1 17 n/a n/a 17 0.00% 1.00

BANDELTA Factoring 3 59 3,690,531 43,458 9,075 62,551 15.24% 1.00

BANDELTA Automovil No Micro 74 2,690 31,406,960 13,145 12,391 11,675 1.04% 1.00

BANDELTA Préstamo Personal 97 559 3,748,032 9,854 8,667 6,705 9.71% 1.00

BANDELTA Préstamo Garantizado 64 79 1,441,052 138,110 16,683 18,241 5.14% 1.00

BANDELTA Préstamo Comercial 64 9 1,012,191 372,423 134,634 112,466 - 1.00

BANDELTA Préstamo Hipotecario 183 1 23,379 n/a 23,379 23,379 - 1.00

BANCO POPULAR Pequeña Empresa CT 34 178 1,812,924 n/a 13,217 10,185 5.52% 19.96

Pequeña Empresa AF 46 149 1,410,456 n/a 14,368 9,466 4.26% 19.96

Mediana Empresa CT 55 64 1,895,400 n/a 39,202 29,616 7.23% 19.96

Mediana Empresa AF 65 67 2,438,802 n/a 51,135 36,400 4.22% 19.96

BANCO PICHINCHA MIPES 28 15,493 100,757,528 n/a 11,154 6,503 5.21% 1.00

BANCO SOLIDARIO Comercial/Dolares 45 183 2,583,343 n/a 9,593 14,117 74.38% 1.00

FINANCIERA FAMA INDIVIDUAL comercial/PYME 43 192 1,646,630 n/a 11,599 8,576 3.46% 24.13

FINANCIERA EL COMERCIO Pymes Urbano 10 94 5,551,442 62,195 45,321 59,058 8.59% 4,224.00

Pymes Rural 10 329 11,400,225 35,496 24,178 34,651 6.03% 4,224.00

FINAMERICA Comercial/PYME 38 1,499 30,420,673 24,670 7,130 20,294 5.21% 1,768.23

INTEGRAL Pequeña Empresa/vivienda individual 71 3,878 25,269,696 n/a n/a 6,516 6.44% 1.00

MIBANCO Personal 15 27,447 21,536,096 838 n/a 785 4.29% 2.55


GENESIS EMPRESARIAL PEQUEÑA EMPRESA 25 1,301 4,037,865 1,424 2,288 3,104 1.14% 7.90

NGO´S 1,301 4,037,865 1,424 2,288 3,104 1.14%

AKIBA Corporate loans 12 84 3,958,787 n/a 78,964 47,128 10.15% 1,595.05

ACCION MICROFINANCE CHINA SME n/a 16 2,044,309 147,606 174,051 127,769 0.00% 6.29

Small Business Loans n/a 30 1,232,710 62,175 64,902 41,090 8.01% 6.29

EAMF CAMEROON CRD PETITES ENTREPRISE EQUIP 6 4 21,066 6,034 5,431 5,267 0.00% 497.16

AFRICA AND ASIA 47 134 7,256,872 n/a 80,837 54,156 6.90%

54,406 259,340,112 75,950 37,388 4,767 5.77%



AVERAGE

FIRST LOAN

(US$)

AVERAGE LOAN

DISBURSED

AVERAGE LOAN

BALANCEPAR>30 DAYS

EXCHANGE

RATE

BANCO PICHINCHA BANCA COMUNAL n/a 91,022 52,482,821 n/a 794 577 3.03% 1.00

BANCO COMPARTAMOS CRÉDITO MUJER 4 1,988,939 716,037,576 n/a n/a 360 2.25% 12.97

CREDICONFIA COMUNAL 4 6,130 1,172,429 302 350 191 14.32% 12.97

REGULATED INSTITUTIONS 2,086,091 769,692,825 n/a 572 369 2.32%

GENESIS EMPRESARIAL BANCOMUNALES 11 43,357 18,680,866 269 2,347 431 0.42% 7.90

NGO´S 6 43,357 18,680,866 269 2,347 431 0.42%

2,129,448 788,373,691 269 1,459 400 2.28%

PYME-COMMERCIAL LOANS


NGO´S-ONG´S

AFRICA-ASIA

TOTAL PYME

VILLAGE BANKING-BANCA COMUNAL


NGO´S-ONG´S

TOTAL VILLAGE BANKING




AVERAGE

FIRST LOAN

AVERAGE LOAN

DISBURSED

AVERAGE LOAN

BALANCEPAR>30 DAYS

EXCHANGE

RATE

BANCO COMPARTAMOS CRÉDITO MEJORA TU CASA 12 23,852 174,381,835 n/a n/a 7,311 3.77% 12.97

BANCOSOL Sol Vivienda 43 24,162 113,805,090 4,710 5,255 4,710 0.6% 6.86

BANCO POPULAR Crédito Agropecuario 47 111 132,670 n/a n/a 1,195 3.73% 19.96

Micro Vivienda 33 1,304 3,463,170 n/a n/a 2,656 7.17% 19.96

CREDICONFIA EMPLEADOS 12 78 197,336 1,212 2,108 2,530 0.04% 12.97

FINANCIERA FAMA INDIVIDUAL vivienda Mejoramiento 31 155 395,861 n/a 4,235 2,554 7.04% 24.13

MIBANCO Proyecto Especial 56 3,137 49,199,025 35,981 37,412 15,683 0.07% 2.55

Descuento de Documentos n/a 6 8,173,518 n/a 1,089 1,362,253 0.00% 2.55

Leasing n/a 1,297 51,350,783 62,353 62,103 39,592 6.28% 2.55

Rural 10 126,479 66,851,490 428 707 529 4.26% 2.55

SCM AMAZONAS VENTA POR CATALOGO 6 121 40,025 429 498 331 1.70% 2.04


SOGESOL PRETS AGRICOLES n/a 6,150 1,881,261 393 313 306 0.00% 42.55

SERVICE COMPANIES 6,150 1,881,261 393 313 306 0.0%

GENESIS EMPRESARIAL AGROPECUARIO 11 48,781 21,575,959 356 525 442 0.78% 7.90

CISEC - INFRAESTRUCTURA Y SERV. BASICOS 29 104 30,207 569 2,002 290 0.00% 7.90

CRÉDITO EDUCATIVO 6 1 380 n/a 380 380 0.00% 7.90

NGO´S 48,886 21,606,546 463 969 290 0.78%

AKIBA Staff Loans 36 482 2,680,402 n/a n/a 5,561 3.18% 1,595.05

EB-ACCION GHANA Ex-Staff Loan 12 9 17,677 n/a 3,529 1,964 9.74% 1.90

AFRICA AND ASIA 24 491 2,698,079 n/a 3,529 3,763 3.2%

236,229 494,176,690 14,359 9,243 2,092 3.0%


OTHER PRODUCTS-OTROS PRODUCTOS

SERVICE COMPANIES-COMPAÑIAS DE SERVICIO

NGO´S-ONG´S

AFRICA-ASIA

TOTAL OTHER PRODUCTS




AVERAGE

FIRST LOAN

(US$)

AVERAGE LOAN

DISBURSED (US$)

AVERAGE LOAN


EXCHANGE

RATE

BANCO ADEMI Total Productos 142,329 230,059,968 1,640 3,881 1,616 4.21% 40.28

CREDIAMIGO Total Productos 1,360,170 809,254,662 463 771 595 1.18% 2.04

FINSOL Total Productos 9,241 39,263,962 3,257 3,525 4,249 2.97% 19.96

REGULATED INSTITUTIONS 1,511,740 1,078,578,592 1,787 2,726 2,153 1.89%

SANTANDER MICROCREDITO Total Productos 118,232 115,508,197 914 1,202 977 4.30% 2.04

SERVICE COMPANIES 118,232 115,508,197 914 1,202 977 4.30%

FUNDACION PARAGUAYA Total Productos 53,945 23,304,014 n/a 1,805 432 2.09% 4,224.00

NGO´S 53,945 23,304,014 n/a 1,805 432 2.09%

1,683,917 1,217,390,803 1,569 2,237 723 7.6%

SERVICE COMPANIES-COMPAÑIAS DE SERVICIO

NGO´S-ONG´S

TOTAL NOT DETAILED

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


reportbyproduct2012-detailmfi

Documents