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Detalle por Producto 0614

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Page 1: Detalle por Producto 0614

Informe por Producto Crediticio: Red Acción y Partners

TOTAL AL FINAL DE JUNIO, 2014: 5,037,284 4,39%7.076.116CLIENTES ACTIVOS CARTERA ACTIVA CARTERA VENCIDA

PRODUCTO Prestatarios Activos % Cartera Activa (000's) % Cartera Vencida * Monto Promedio ** Saldo Promedio **Crédito Solidario 790,657 15.7% 429,981,874 6.1% 2.2% 1,152 544

Crédito Individual (Capital de Trabajo) 1,200,711 23.8% 2,988,346,457 42.2% 4.4% 4,788 2,489

Consumo 503,552 10.0% 1,356,997,466 19.2% 7.4% 3,618 2,695

Comercial PYME 31,300 0.6% 252,962,519 3.6% 6.2% 32,892 8,082

Vivienda 54,941 1.1% 316,218,452 4.5% 2.6% 5,573 5,756

Activos Fijos 42,075 0.8% 347,201,390 4.9% 7.7% 4,969 8,252

Banca Comunal 1,921,303 38.1% 840,375,144 11.9% 1.6% 1,867 437

Otros Productos 266,781 5.3% 445,074,633 6.3% 3.9% 1,668 1,668

Sin detalle 225,964 4.5% 98,956,070 1.4% 3.3% 2,806 438

TOTAL 5,037,284 100.0% 7,076,114,005 100% 4.39% 671 1,405

* 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 primer semestre de 2014, se refleja un incremento en clientes del producto Individual en contraste con la disminución que se había vis-to durante el primer trimestre así como también en la mayoría de las modalidades a excepción del producto crédito grupal en el cuál se reporta una disminución general de Marzo a Junio. A pesar de la disminución en clientes del grupo solidario, esta modalidad se mantiene como tercera en tér-minos de concentración porcentual de clientes a Junio 2014 siguiendo a Banca Comunal y al crédi-to Individual.

Es importante hacer notar el incremento refle-jado en el monto promedio desembolsado del producto solidario lo cuál permite reflejar una tendencia a que el tamaño del préstamo esté cre-ciendo en este tipo de producto durante el 2014.

La participación de Cartera del produc-to Individual mantiene el liderazgo. Es importante destacar el incremento de la cartera del producto Consumo, PYME y Vivienda así como el incremento de la cartera PYME en comparación al añor anterior. La modalidad PYME ha reflejado creci-mientos del doble en el último trimes-tre. También se destaca el incremento del tamaño del préstamo PYME.

PYME, Consumo y Activos fijos mantie-nen los % más altos mientras que Banca Comunal tiene el indicador más bajo a Junio 2014 y le siguen VIvienda y Gru-po Solidario.

1,152 4,788 3,618 32,892 5,573 4,969 1,867 1,668

16 20 21

47

80

13 5

26

0102030405060708090

05,000

10,00015,00020,00025,00030,00035,000

GROU

P LO

ANS/

SOLID

ARIO

S

INDI

VIDU

AL LO

ANS

CONS

UMER

LOAN

S/CO

NSUM

O

PYM

E

HOUS

ING/

VIVI

ENDA

FIXED

ASS

ETS/

ACTIV

OSFIJ

OS

VILL

AGE B

ANKI

NG/B

ANCA

COM

UNAL

OTHE

R PR

ODUC

TS/O

TROSAMOUNT DISBURSED VS TERM

/MONTO DESEMBOLSADO VS PLAZO

AVERAGE LOAN DISBURSED (US$)/MONTO PROMEDIO DESEMBOLSADOTERM (MONTHS)

Report By Product JUNE 2014/ JUNIO 2014 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 16 790,657 15.7% 429,981,874 6.1% 979 1,152 544 2.2%

INDIVIDUAL LOANS 20 1,200,711 23.8% 2,988,346,457 42.2% 4,502 4,788 2,489 4.4%

CONSUMER LOANS/CONSUMO 21 503,552 10.0% 1,356,997,466 19.2% 4,155 3,618 2,695 7.4%

PYME 47 31,300 0.6% 252,962,519 3.6% 23,640 32,892 8,082 6.2%

HOUSING/VIVIENDA 80 54,941 1.1% 316,218,452 4.5% 8,180 5,573 5,756 2.6%

FIXED ASSETS/ACTIVOS FIJOS 13 42,075 0.8% 347,201,390 4.9% 5,307 4,969 8,252 7.7%

VILLAGE BANKING/BANCA COMUNAL 5 1,921,303 38.1% 840,375,144 11.9% 285 1,867 437 1.6%

OTHER PRODUCTS/OTROS 26 266,781 5.3% 445,074,633 6.3% 10,558 1,668 1,668 3.9%

NOT DETAILED/SIN DETALLE n/a 225,964 4.5% 98,956,070 1.4% 3,905 2,806 438 3.3%TOTAL INSTITUTIONS/INSTITUCIONES 5,037,284 100.0% 7,076,114,005 100.0% 1,071 671 1,405 4.39%

TOTAL INSTITUTIONS/INSTITUCIONES

430

2,98

8

1,35

7

253

316

347

840

445

99

2.2%

4.4%

7.4%

6.2%

2.6%

7.7%

1.6%

3.9%

3.3%

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

3,000G

ROU

P LO

ANS/

SOLI

DARI

OS

INDI

VIDU

AL L

OAN

S

CON

SUM

ER L

OAN

S/CO

NSU

MO

PYM

E

HO

USI

NG

/VIV

IEN

DA

FIXE

D AS

SETS

/ACT

IVO

S FI

JOS

VILL

AGE

BAN

KIN

G/B

ANCA

CO

MU

NAL

OTH

ER P

RODU

CTS/

OTR

OS

NO

T D

ETAI

LED

/SIN

DET

ALLE

Mill

ions

LOAN PORTFOLIO VS PAR>30/CARTERA ACTIVA VS PAR>30

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

1,152 4,788 3,618 32,892 5,573 4,969 1,867 1,668 16

20 21

47

80

13 5

26

020406080100

0

10,000

20,000

30,000

40,000

GRO

UP

LOAN

S/SO

LIDA

RIO

S

INDI

VIDU

ALLO

ANS

CON

SUM

ERLO

ANS/

CON

SUM

O

PYM

E

HO

USI

NG

/VIV

IEN

DA

FIXE

DAS

SETS

/ACT

IVO

S FI

JOS

VILL

AGE

BAN

KIN

G/B

ANC

A CO

MU

NAL

OTH

ERPR

ODU

CTS/

OTR

OS

AMOUNT DISBURSED VS TERM /MONTO DESEMBOLSADO VS PLAZO

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

6%

42%

19%

4%

5%

5%

12%

6%

1% 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

16%

24%

10%

1% 1% 1%

38%

5% 4%

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

Page 2: Detalle por Producto 0614

Report By Product JUNE 2014/ JUNIO 2014 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

718,950 15.8% 416,010,021 6.1% 2,370 2,523 579 1.7%1,105,433 24.2% 2,891,111,151 42.4% 3,601 3,673 2,615 4.4%

501,325 11.0% 1,353,663,862 19.8% 4,379 3,848 2,700 5.7%30,083 0.7% 235,767,269 3.5% 27,380 19,722 7,837 4.0%37,466 0.8% 292,724,334 4.3% 2,284 7,163 5,748 6.1%41,678 0.9% 345,846,482 5.1% 6,460 7,583 5,018 6.1%

1,900,538 41.6% 831,186,530 12.2% n/a n/a 437 1.5%219,450 4.8% 419,728,946 6.1% 13,375 9,756 1,913 5.9%

9,319 0.2% 39,642,717 0.6% 3,905 3,265 4,254 6.4%

TOTAL REGULATED/REGULADAS 4,564,242 100.0% 6,825,681,312 100.0% 1,102 632 1,495 4.39%NOT DETAILED/SIN DETALLE

TOTAL REGULATED INSTITUTIONS AND PRIVATE COMPANIES/INSTITUCIONES REGULADAS Y COMPAÑÍAS PRIVADAS

PRODUCT/PRODUCTO

GROUP LOANS/SOLIDARIOSINDIVIDUALCONSUMER LOANS/CONSUMOPYMEHOUSING/VIVIENDAFIXED ASSETS/ACTIVOS FIJOSVILLAGE BANKING/BANCA COMUNALOTHER PRODUCTS/OTROS

6%

42%

20%

4%

4%

5%

12%

6% 1%

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 DETALLE1.7%

4.4%

5.7%

4.0%

6.1% 6.1%

1.5%

5.9% 6.4%

0.0%

1.0%

2.0%

3.0%

4.0%

5.0%

6.0%

7.0%

PAR>30 DAYS/CARTERA AFECTADA>30 DIAS

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

16%

24%

11% 1% 1% 1%

41%

5%

0%

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

JUNE 2014

Page 3: Detalle por Producto 0614

Report By Product JUNE 2014/ JUNIO 2014 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 42,025 22.4% 26,874,404 24.5% 728 1,478 639 2.6%PYME 622 0.3% 2,588,514 2.4% 13,012 11,494 4,162 1.3%HOUSING/VIVIENDA 17,224 9.2% 23,105,144 21.1% 1,149 1,775 1,341 6.6%VILLAGE BANKING/BANCA COMUNAL 20,765 11.1% 9,188,614 8.4% 285 3,051 443 3.1%OTHER PRODUCTS/OTROS 46,802 25.0% 22,513,919 20.5% 702 1,006 481 2.4%NOT DETAILED/SIN DETALLE 60,116 32.1% 25,441,008 23.2% n/a 2,347 423 3.6%TOTAL NGO´S/ONG´S 187,554 100.0% 109,711,602 100.0% 635 1,920 585 3.23%

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

71,707 25.1% 13,971,853 9.9% 202 324 195 1.8%53,253 18.7% 70,360,902 50.0% 7,058 7,284 1,321 6.5%2,227 0.8% 3,333,605 2.4% 4,174 4,132 1,497 22.4%

595 0.2% 14,606,735 10.4% n/a 88,261 24,549 1.8%251 0.1% 388,975 0.3% n/a 446 1,550 5.4%397 0.1% 1,354,908 1.0% 4,029 5,498 3,413 10.8%529 0.2% 2,831,768 2.0% n/a 4,879 5,353 4.4%

156,529 3.1% 33,872,345 24.1% 0 2,347 216 1.1%

TOTAL AFRICA-ASIA 285,488 100.0% 140,721,091 100.0% 549 966 493 5.39%

CONSUMER LOANS/CONSUMO

TOTAL NGO´S/ONG´S

PRODUCT/PRODUCTO

TOTAL AFRICA-ASIA

PRODUCT/PRODUCTO

GROUP LOANS/SOLIDARIOSINDIVIDUAL LOANS

PYMEHOUSING/VIVIENDAFIXED ASSETS/ACTIVOS FIJOSOTHER PRODUCTS/OTROS

}

NOT DETAILED/SIN DETALLE

25%

2%

21%

8%

21%

23%

LOAN PORTFOLIO US$/ CARTERA ACTIVA

INDIVIDUAL LOANS PYME

HOUSING/VIVIENDA VILLAGE BANKING/BANCA COMUNAL

OTHER PRODUCTS/OTROS NOT DETAILED/SIN DETALLE

2.6%

1.3%

6.6%

3.1% 2.4%

3.6%

0.0%1.0%2.0%3.0%4.0%5.0%6.0%7.0%

PAR>30 DAYS/CARTERA VENCIDA>30 DIAS

INDIVIDUAL LOANS

PYME

HOUSING/VIVIENDA

VILLAGE BANKING/BANCA COMUNAL

OTHER PRODUCTS/OTROS

NOT DETAILED/SIN DETALLE

23%

0%

9%

11% 25%

32%

ACTIVE CLIENTS/CLIENTES ACTIVOS

INDIVIDUAL LOANS PYME

HOUSING/VIVIENDA VILLAGE BANKING/BANCA COMUNAL

OTHER PRODUCTS/OTROS NOT DETAILED/SIN DETALLE

13%

66%

3% 14%

0% 1% 3%

LOAN PORTFOLIO US$/ CARTERA ACTIVA

GROUP LOANS/SOLIDARIOS INDIVIDUAL LOANS

CONSUMER LOANS/CONSUMO PYME

HOUSING/VIVIENDA FIXED ASSETS/ACTIVOS FIJOS

OTHER PRODUCTS/OTROS2.6%

1.3%

6.6%

3.1% 2.4%

3.6%

0.0%1.0%2.0%3.0%4.0%5.0%6.0%7.0%

PAR>30 DAYS/CARTERA VENCIDA>30 DIAS

INDIVIDUAL LOANS

PYME

HOUSING/VIVIENDA

VILLAGE BANKING/BANCA COMUNAL

OTHER PRODUCTS/OTROS

NOT DETAILED/SIN DETALLE

56%

41%

2% 1% 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

Page 4: Detalle por Producto 0614

Report By Product JUNE 2014/ JUNIO 2014 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 16 790,657 15.7% 429,981,874 6.1% 979 1,152 544 2.2%

INDIVIDUAL LOANS 20 1,200,711 23.8% 2,988,346,457 42.2% 4,502 4,788 2,489 4.4%

CONSUMER LOANS/CONSUMO 21 503,552 10.0% 1,356,997,466 19.2% 4,155 3,618 2,695 7.4%

PYME 47 31,300 0.6% 252,962,519 3.6% 23,640 32,892 8,082 6.2%

HOUSING/VIVIENDA 80 54,941 1.1% 316,218,452 4.5% 8,180 5,573 5,756 2.6%

FIXED ASSETS/ACTIVOS FIJOS 13 42,075 0.8% 347,201,390 4.9% 5,307 4,969 8,252 7.7%

VILLAGE BANKING/BANCA COMUNAL 5 1,921,303 38.1% 840,375,144 11.9% 285 1,867 437 1.6%

OTHER PRODUCTS/OTROS 26 266,781 5.3% 445,074,633 6.3% 10,558 1,668 1,668 3.9%

NOT DETAILED/SIN DETALLE n/a 225,964 4.5% 98,956,070 1.4% 3,905 2,806 438 3.3%TOTAL INSTITUTIONS/INSTITUCIONES 5,037,284 100.0% 7,076,114,005 100.0% 1,071 671 1,405 4.39%

TOTAL INSTITUTIONS/INSTITUCIONES

430

2,98

8

1,35

7

253

316

347

840

445

99

2.2%

4.4%

7.4%

6.2%

2.6%

7.7%

1.6%

3.9%

3.3%

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/SO

LIDA

RIO

S

INDI

VIDU

AL L

OAN

S

CON

SUM

ER L

OAN

S/CO

NSU

MO

PYM

E

HOU

SIN

G/V

IVIE

NDA

FIXE

D AS

SETS

/ACT

IVO

S FI

JOS

VILL

AGE

BAN

KIN

G/BA

NCA

CO

MU

NAL

OTH

ER P

RODU

CTS/

OTR

OS

NO

T DE

TAIL

ED/S

IN D

ETAL

LE

Mill

ions

LOAN PORTFOLIO VS PAR>30/CARTERA ACTIVA VS PAR>30

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

1,152 4,788 3,618 32,892 5,573 4,969 1,867 1,668 16

20 21

47

80

13 5

26

020406080100

0

10,000

20,000

30,000

40,000

GRO

UP

LOAN

S/SO

LIDA

RIO

S

INDI

VIDU

ALLO

ANS

CON

SUM

ERLO

ANS/

CON

SUM

O

PYM

E

HOU

SIN

G/V

IVIE

NDA

FIXE

DAS

SETS

/ACT

IVO

S FI

JOS

VILL

AGE

BAN

KIN

G/BA

NC

A CO

MU

NAL

OTH

ERPR

ODU

CTS/

OTR

OS

AMOUNT DISBURSED VS TERM /MONTO DESEMBOLSADO VS PLAZO

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

6%

42%

19%

4%

5%

5%

12%

6%

1% 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

16%

24%

10%

1% 1% 1%

38%

5% 4%

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