Detalle por Producto 0614
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Transcript of 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
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$/ CARTERA ACTIVA
GROUP LOANS/SOLIDARIOS INDIVIDUAL
CONSUMER LOANS/CONSUMO PYME
HOUSING/VIVIENDA FIXED ASSETS/ACTIVOS FIJOS
VILLAGE BANKING/BANCA COMUNAL OTHER PRODUCTS/OTROS
NOT DETAILED/SIN DETALLE1.7%
4.4%
5.7%
4.0%
6.1% 6.1%
1.5%
5.9% 6.4%
0.0%
1.0%
2.0%
3.0%
4.0%
5.0%
6.0%
7.0%
PAR>30 DAYS/CARTERA AFECTADA>30 DIAS
GROUP LOANS/SOLIDARIOS
INDIVIDUAL
CONSUMER LOANS/CONSUMO
PYME
HOUSING/VIVIENDA
FIXED ASSETS/ACTIVOS FIJOS
VILLAGE BANKING/BANCA COMUNAL
OTHER PRODUCTS/OTROS
NOT DETAILED/SIN DETALLE
16%
24%
11% 1% 1% 1%
41%
5%
0%
ACTIVE CLIENTS/CLIENTES ACTIVOS
GROUP LOANS/SOLIDARIOS INDIVIDUAL
CONSUMER LOANS/CONSUMO PYME
HOUSING/VIVIENDA FIXED ASSETS/ACTIVOS FIJOS
VILLAGE BANKING/BANCA COMUNAL OTHER PRODUCTS/OTROS
NOT DETAILED/SIN DETALLE
JUNE 2014
Report By Product JUNE 2014/ JUNIO 2014 Reporte Por Producto
ACTIVE CLIENTS/CLIENTES
ACTIVOS%
LOAN PORTFOLIO US$/ 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$/ CARTERA ACTIVA
GROUP LOANS/SOLIDARIOS INDIVIDUAL LOANS
CONSUMER LOANS/CONSUMO PYME
HOUSING/VIVIENDA FIXED ASSETS/ACTIVOS FIJOS
OTHER PRODUCTS/OTROS2.6%
1.3%
6.6%
3.1% 2.4%
3.6%
0.0%1.0%2.0%3.0%4.0%5.0%6.0%7.0%
PAR>30 DAYS/CARTERA VENCIDA>30 DIAS
INDIVIDUAL LOANS
PYME
HOUSING/VIVIENDA
VILLAGE BANKING/BANCA COMUNAL
OTHER PRODUCTS/OTROS
NOT DETAILED/SIN DETALLE
56%
41%
2% 1% 0% 0% 0%
ACTIVE CLIENTS/CLIENTES ACTIVOS
GROUP LOANS/SOLIDARIOS INDIVIDUAL LOANS
CONSUMER LOANS/CONSUMO PYME
HOUSING/VIVIENDA FIXED ASSETS/ACTIVOS FIJOS
OTHER PRODUCTS/OTROS
Report By Product JUNE 2014/ JUNIO 2014 Reporte Por Producto
PRODUCT/PRODUCTO TERM (MONTHS)ACTIVE CLIENTS/CLIENTES
ACTIVOS%
LOAN PORTFOLIO US$/ 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