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Detalleproductocrédito0913
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Transcript of Detalleproductocrédito0913
Informe por Producto: Red Acción y Partners
TOTAL AL FINAL DE SEPTIEMBRE, 2013: 6.682.439 4,38%7.814.183CLIENTES ACTIVOS CARTERA ACTIVA CARTERA VENCIDA
PRODUCTO Prestatarios Activos % Cartera Activa (000's) % Cartera Vencida * Monto Promedio ** Saldo Promedio **Crédito Solidario 704,644 10.5% 314,648,042 4.0% 4.2% 507 447
Crédito Individual (Capital de Trabajo) 1,181,918 17.7% 2,862,118,104 36.6% 4.4% 4,304 2,422
Consumo 517,826 7.7% 1,367,041,812 17.5% 6.8% 3,963 2,640
Comercial PYME 28,417 0.4% 158,183,817 2.0% 10.8% 17,334 12,534
Vivienda 53,801 0.8% 266,275,680 3.4% 4.9% 4,673 4,949
Activos Fijos 42,474 0.6% 322,870,431 4.1% 7.4% 5,723 7,602
Banca Comunal 1,691,054 25.3% 785,505,784 10.1% 2.9% 1,586 465
Otros Productos 500,752 7.5% 384,626,925 4.9% 6.3% 768 768
Sin detalle 1,961,553 29.4% 1,352,912,037 17.3% 1.2% 2,058 690
TOTAL 6,682,439 100.0% 7,814,182,633 100% 4.38% 783 1,169
* La Cartera vencida incluye: Saldo de cartera normal en mora > 30 días + saldo cartera repactada en mora>30 días + saldo total cartera en cobranza judicial.* *Valores en USD (Monto Real)
HIG
HLI
GH
TS
Durante el tercer trimestre el crecimiento en clientes más significativo se evidenció en las ins-tituciones reguladas seguido de las instituciones en Africa y Asia con respecto a Junio 2013.
Otro punto para resaltar es la disminución en términos de clientes activos del producto Banca Comunal, PYME y Consumo entre Junio y Sep-tiembre 2013. Esta reducción contrasta con el au-mento de clientes en Solidario e Individual.
Banca Comunal mantiene una participación por-centual importante seguido del producto Indi-vidual en término de clientes activos.
RANKING*GROUP LOANS/SOLIDARIOS
1. Banco Compartamos- México
2. Swadhaar- India
3. Bangente- Venezuela
4. Saija- India
5. CrediConfía- MéxicoRANKING*
SME LOANS/PYME
1. Mibanco- Peru
2. Bandelta- Panama
3. Finamerica- Colombia
4. Genesis Empresarial- Guatemala
5. Banco Popular- Honduras
RANKING*INDIVIDUAL LOANS/INDIVIDUAL
1. Banco Pichincha-Ecuador
2. Banco Compartamos- Mexico
3. BancoSol- Bolivia
4. Mibanco- Peru
5. Banco Solidario- EcuadorRANKING*
HOUSING LOANS/VIVIENDA
1. BancoSol- Bolivia
2. Génesis Empresarial- Guatemala
3. Mibanco- Peru
4. Banco Popular- Honduras
5. FMSD- Colombia
RANKING*CONSUMER LOANS/CONSUMO
1. Banco Solidario- Ecuador
2. Mibanco - Peru
3. Banco Pichincha- Ecuador
4. El Comercio - Paraguay
5. BancoSol- BoliviaRANKING*
VILLAGE BANKING/BANCA COMUNAL
1. Banco Compartamos- México
2. Banco Pichincha - Ecuador
3. Génesis Empresarial- Guatemala
4. CrediConfía- Mexico
*Ranking is based on Active Clients by product reported by each Institution
La participación de Cartera del pro-ducto Individual mantiene el liderazgo. Es importante destacar el incremento de la cartera del producto Consumo en Sep 2013 así como la disminución del saldo de cartera en Banca Comunal que continúa su tendencia decreciente.
La Cartera Vencida >30 para los pro-ductos Individual y Consumo pasó del 4.9% al 4.4% y del 8% al 6.8% respecti-vamente. PYME y Vivienda tienen los % más altos dentro de las instituciones re-guladas mientras que Banca Comunal y Solidarios tienen el indicador mas bajo a Septiembre 2013.
Report By Product SEPTIEMBRE 2013/ SEPTEMBER 2013 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
546,745 9.0% 283,435,292 3.8% 1,452 1,633 518 3.5%
1,062,655 17.4% 2,749,401,115 36.9% 3,320 3,543 2,587 4.4%
509,194 8.3% 1,360,587,441 18.3% 4,250 4,035 2,672 5.2%
26,667 0.4% 143,068,575 1.9% 24,124 22,407 5,365 0.7%
36,587 0.6% 244,094,903 3.3% 2,284 6,574 5,748 6.1%
41,980 0.7% 319,947,407 4.3% 6,460 7,583 5,018 6.1%
1,657,059 27.1% 770,547,491 10.3% n/a n/a 465 2.9%
439,474 7.2% 354,731,120 4.8% 10,057 15,064 807 6.2%
1,784,157 29.2% 1,221,641,101 16.4% 1,791 2,078 685 0.9%
TOTAL REGULATED/REGULADAS 6,104,518 100.0% 7,447,454,445 100.0% 949 772 1,220 4.40%
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
VENCIDA>30 DIAS
INDIVIDUAL 14,395 9.6% 14,636,931 11.5% 199 1,121 1,017 6.5%CONSUMER LOANS/CONSUMO 5,693 3.8% 1,697,204 1.3% 183 405 298 1.7%HOUSING 85 0.1% 111,812 0.09% 724 2,173 1,315 8.64%
OTHER PRODUCTS/OTROS 9,674 6.5% 4,119,170 3.2% 296 594 426 4.8%NOT DETAILED/SIN DETALLE 120,118 80.1% 106,839,910 83.9% 877 1,457 889 4.3%
TOTAL SERVICE COMPANIES 149,965 100.0% 127,405,028 100.0% 718 1,069 850 4.53%
NOT DETAILED/SIN DETALLE
TOTAL REGULATED INSTITUTIONS/INSTITUCIONES REGULADAS
PRODUCT/PRODUCTO
GROUP LOANS/SOLIDARIOS
INDIVIDUAL
CONSUMER LOANS/CONSUMO
PYME
HOUSING/VIVIENDA
FIXED ASSETS/ACTIVOS FIJOS
VILLAGE BANKING/BANCA COMUNAL
OTHER PRODUCTS/OTROS
TOTAL SERVICE COMPANIES/COMPAÑIAS DE SERVICIO
PRODUCT/PRODUCTO
4%
37%
18% 2%
3% 4%
10%
5%
17%
LOAN PORTFOLIO US$/ CARTERA ACTIVA
GROUP LOANS/SOLIDARIOS INDIVIDUAL
CONSUMER LOANS/CONSUMO PYME
HOUSING/VIVIENDA FIXED ASSETS/ACTIVOS FIJOS
VILLAGE BANKING/BANCA COMUNAL OTHER PRODUCTS/OTROS
NOT DETAILED/SIN DETALLE
3.5% 4.4%
5.2%
0.7%
6.1% 6.1%
2.9%
6.2%
0.9%
0.0%
5.0%
PAR>30 DAYS/CARTERA AFECTADA>30 DIAS
GROUP LOANS/SOLIDARIOSINDIVIDUALCONSUMER LOANS/CONSUMOPYMEHOUSING/VIVIENDAFIXED ASSETS/ACTIVOS FIJOSVILLAGE BANKING/BANCA COMUNALOTHER PRODUCTS/OTROSNOT DETAILED/SIN DETALLE
9%
17%
8%
1% 1%
1% 27%
7%
29%
ACTIVE CLIENTS/CLIENTES ACTIVOS
GROUP LOANS/SOLIDARIOS INDIVIDUAL
CONSUMER LOANS/CONSUMO PYME
HOUSING/VIVIENDA FIXED ASSETS/ACTIVOS FIJOS
VILLAGE BANKING/BANCA COMUNAL OTHER PRODUCTS/OTROS
NOT DETAILED/SIN DETALLE
12% 1%
0% 3%
84%
LOAN PORTFOLIO US$/ CARTERA ACTIVA
INDIVIDUAL CONSUMER LOANS/CONSUMO
HOUSING OTHER PRODUCTS/OTROS
NOT DETAILED/SIN DETALLE
6.5%
1.7%
8.64%
4.8% 4.3%
0.0%
2.0%
4.0%
6.0%
8.0%
10.0%
PAR>30 DAYS/CARTERA VENCIDA>30 DIAS
INDIVIDUAL
CONSUMER LOANS/CONSUMO
HOUSING
OTHER PRODUCTS/OTROS
NOT DETAILED/SIN DETALLE
10%
4%
0%
6%
80%
ACTIVE CLIENTS/CLIENTES ACTIVOS
INDIVIDUAL CONSUMER LOANS/CONSUMO
HOUSING OTHER PRODUCTS/OTROS
NOT DETAILED/SIN DETALLE
Report By Product SEPTIEMBRE 2013/ SEPTEMBER 2013 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
VENCIDA>30 DIAS
INDIVIDUAL LOANS 55,868 25.8% 29,588,979 25.3% 624 1,229 530 3.1%PYME 1,249 0.6% 3,474,334 3.0% 3,590 4,053 2,782 1.6%HOUSING/VIVIENDA 16,863 7.8% 21,600,835 18.5% 3,215 2,331 1,281 7.0%VILLAGE BANKING/BANCA COMUNAL 33,995 15.7% 14,958,294 12.8% 262 2,528 440 0.7%OTHER PRODUCTS/OTROS 51,092 23.6% 22,891,843 19.6% 439 1,678 448 6.3%NOT DETAILED/SIN DETALLE 57,277 26.5% 24,431,026 20.9% n/a 2,300 427 3.2%
TOTAL NGO´S/ONG´S 216,344 100.0% 116,945,310 100.0% 302 1,245 541 2.59%
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
VENCIDA>30 DIAS
157,899 74.6% 31,212,751 25.5% 249 268 198 1.3%49,000 23.2% 68,491,079 56.0% 7,223 6,774 1,398 4.8%2,939 1.4% 4,757,166 3.9% 5,371 4,196 1,619 19.0%
501 0.2% 11,640,908 9.5% n/a 78,329 23,235 5.6%
266 0.1% 468,131 0.4% n/a 454 1,760 2.3%494 0.2% 2,923,024 2.4% 7,257 6,374 5,917 15.5%512 0.2% 2,884,792 2.4% n/a 4,153 5,634 4.6%
TOTAL AFRICA-ASIA 211,611 100.0% 122,377,850 100.0% 770 853 578 4.71%
CONSUMER LOANS/CONSUMO
TOTAL NGO´S/ONG´S
PRODUCT/PRODUCTO
TOTAL AFRICA-ASIA
PRODUCT/PRODUCTO
GROUP LOANS/SOLIDARIOSINDIVIDUAL LOANS
PYME
HOUSING/VIVIENDAFIXED ASSETS/ACTIVOS FIJOSOTHER PRODUCTS/OTROS
25%
3%
18%
13%
20%
21%
LOAN PORTFOLIO US$/ CARTERA ACTIVA
INDIVIDUAL LOANS PYME
HOUSING/VIVIENDA VILLAGE BANKING/BANCA COMUNAL
OTHER PRODUCTS/OTROS NOT DETAILED/SIN DETALLE
3.1%
1.6%
7.0%
0.7%
6.3%
3.2%
0.0%
2.0%
4.0%
6.0%
8.0%
PAR>30 DAYS/CARTERA VENCIDA>30 DIAS
INDIVIDUAL LOANS
PYME
HOUSING/VIVIENDA
VILLAGE BANKING/BANCA COMUNAL
OTHER PRODUCTS/OTROS
NOT DETAILED/SIN DETALLE
26%
0% 8%
16% 24%
26%
ACTIVE CLIENTS/CLIENTES ACTIVOS
INDIVIDUAL LOANS PYME
HOUSING/VIVIENDA VILLAGE BANKING/BANCA COMUNAL
OTHER PRODUCTS/OTROS NOT DETAILED/SIN DETALLE
26%
56%
4% 10%
0%
2%
2% LOAN PORTFOLIO US$/ CARTERA ACTIVA
GROUP LOANS/SOLIDARIOS INDIVIDUAL LOANS
CONSUMER LOANS/CONSUMO PYME
HOUSING/VIVIENDA FIXED ASSETS/ACTIVOS FIJOS
OTHER PRODUCTS/OTROS3.1%
1.6%
7.0%
0.7%
6.3%
3.2%
0.0%
2.0%
4.0%
6.0%
8.0%
PAR>30 DAYS/CARTERA VENCIDA>30 DIAS
INDIVIDUAL LOANS
PYME
HOUSING/VIVIENDA
VILLAGE BANKING/BANCA COMUNAL
OTHER PRODUCTS/OTROS
NOT DETAILED/SIN DETALLE
75%
23%
2%
0% 0% 0%
0%
ACTIVE CLIENTS/CLIENTES ACTIVOS
GROUP LOANS/SOLIDARIOS INDIVIDUAL LOANS
CONSUMER LOANS/CONSUMO PYME
HOUSING/VIVIENDA FIXED ASSETS/ACTIVOS FIJOS
OTHER PRODUCTS/OTROS
Report By Product SEPTIEMBRE 2013/ SEPTEMBER 2013 Reporte Por Producto
PRODUCT/PRODUCTO TERM (MONTHS)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
VENCIDA>30 DIAS
GROUP LOANS/SOLIDARIOS 11 704,644 10.5% 314,648,042 4.0% 545 507 447 4.2%
INDIVIDUAL LOANS 18 1,181,918 17.7% 2,862,118,104 36.6% 4,104 4,304 2,422 4.4%
CONSUMER LOANS/CONSUMO 24 517,826 7.7% 1,367,041,812 17.5% 4,171 3,963 2,640 6.8%
PYME 46 28,417 0.4% 158,183,817 2.0% 16,384 17,334 12,534 10.8%
HOUSING/VIVIENDA 77 53,801 0.8% 266,275,680 3.4% 5,702 4,673 4,949 4.9%
FIXED ASSETS/ACTIVOS FIJOS 16 42,474 0.6% 322,870,431 4.1% 7,660 5,723 7,602 7.4%
VILLAGE BANKING/BANCA COMUNAL 6 1,691,054 25.3% 785,505,784 10.1% 262 1,586 465 2.9%
OTHER PRODUCTS/OTROS 18 500,752 7.5% 384,626,925 4.9% 4,550 768 768 6.3%
NOT DETAILED/SIN DETALLE n/a 1,961,553 29.4% 1,352,912,037 17.3% 1,495 2,058 690 1.2%
TOTAL INSTITUTIONS/INSTITUCIONES 6,682,439 100.0% 7,814,182,633 100.0% 923 783 1,169 4.38%
TOTAL INSTITUTIONS/INSTITUCIONES
31
5
2,8
62
1,3
67
15
8
26
6
32
3
78
6
38
5
1,3
53
4.2
%
4.4
%
6.8
%
10
.8%
4.9
%
7.4
%
2.9
% 6.3
%
1.2
%
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
GR
OU
P L
OA
NS/
SOLI
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S
IND
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L LO
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/VIV
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/SIN
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Mill
ion
s
LOAN PORTFOLIO VS PAR>30/CARTERA ACTIVA VS PAR>30
LOAN PORTFOLIO US$/ CARTERA ACTIVA PAR>30 DAYS/CARTERA VENCIDA>30 DIAS
507 4,304 3,963 17,334 4,673 5,723 1,586 768 11
18 24
46
77
16
6
18
0102030405060708090
02,0004,0006,0008,000
10,00012,00014,00016,00018,00020,000
GR
OU
PLO
AN
S/SO
LID
AR
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IND
IVID
UA
L LO
AN
S
CO
NSU
MER
LOA
NS/
CO
NSU
MO
PYM
E
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/VIV
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DU
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/OTR
OSAMOUNT DISBURSED VS TERM/MONTO DESEMBOLSADO VS PLAZO
AVERAGE LOAN DISBURSED (US$)/MONTO PROMEDIO DESEMBOLSADO TERM (MONTHS)
4%
37%
18% 2%
3%
4%
10%
5%
17%
LOAN PORTFOLIO US$/ CARTERA ACTIVA GROUP LOANS/SOLIDARIOS
INDIVIDUAL LOANS
CONSUMER LOANS/CONSUMO
PYME
HOUSING/VIVIENDA
FIXED ASSETS/ACTIVOS FIJOS
VILLAGE BANKING/BANCACOMUNALOTHER PRODUCTS/OTROS
NOT DETAILED/SIN DETALLE
11%
18%
8%
0%
1%
1%
25%
7%
29%
ACTIVE CLIENTS/CLIENTES ACTIVOS GROUP LOANS/SOLIDARIOS
INDIVIDUAL LOANS
CONSUMER LOANS/CONSUMO
PYME
HOUSING/VIVIENDA
FIXED ASSETS/ACTIVOS FIJOS
VILLAGE BANKING/BANCACOMUNALOTHER PRODUCTS/OTROS
NOT DETAILED/SIN DETALLE
RANKING*
GROUP LOANS /SOLIDARIOS
•1. Banco Compartamos (Mexico)
•2. Swadhaar (India)
•3. Bangente (Venezuela)
•4. Saija (India)
•5. CrediConfía (Mexico)
RANKING
INDIVIDUAL LOANS/INDIVIDUAL
•1. Banco Pichincha (Ecuador)
•2. Banco Compartamos (Mexico)
•3. BancoSol (Bolivia)
•4. Mibanco (Peru)
•5. Banco Solidario (Ecuador)
RANKING
CONSUMER LOANS/CONSUMO
•1. Banco Solidario (Ecuador)
•2. Mibanco (Peru)
•3. Banco Pichincha(Ecuador)
•4. El Comercio (Paraguay)
•5. BancoSol (Bolivia)
RANKING
SME LOANS/PYME
•1. Mibanco (Peru)
•2. Bandelta (Panama)
•3. Finamerica (Colombia)
•4. Génesis Emp. (Guatemala)
•5. Banco Popular(Honduras
RANKING
HOUSING LOANS/VIVIENDA
•1. BancoSol (Bolivia)
•2. Génesis Emp. (Guatemala)
•3. Mibanco (Peru)
•4. Banco Popular (Honduras)
•5. FMSD (Colombia)
RANKING
VILLAGE BANKING/BANCA C.
•1. Banco Compartamos (México)
•2. Banco Pichincha (Ecuador)
•3. Génesis Emp. (Guatemala)
•4. CrediConfía (México)
*Ranking is based on Active Clients by product reported by each Institution