Savings Report 2012

Savings Report: Accion Network and Partners

DECEMBER, 2012:

2,346,387

3,365,543

SAVERS

SAVINGS

2,09

5,42

2

2,13

3,16

2

2,13

7,24

7

2,23

9,47

2

2,24

6,63

5

2,26

0,30

1

2,36

9,23

0

2,14

9,45

5

2,47

5,94

1

2,57

1,95

6

2,59

3,51

7

2,63

5,72

1

2,34

6,38

7

$2,675,686 $2,720,651 $2,732,345

$2,940,849 $2,976,940 $2,985,382 $3,118,841

$3,450,150 $3,411,205

$2,942,862 $2,938,481 $2,924,243

$3,365,543

$-

$500,000

$1,000,000

$1,500,000

$2,000,000

$2,500,000

$3,000,000

$3,500,000

$4,000,000

0

500,000

1,000,000

1,500,000

2,000,000

2,500,000

3,000,000

Dic 11 Ene 12 Feb 12 Mar 12 April 12 May 12 Jun 12 Jul 2012 Aug 2012 Sep 2012 Oct 2012 Nov 2012 Dec 2012

Savers Savings ($ 000)

7.7%

0.3%

1.9%

23.3%

1.4% 4.4%

8.9%

1.4% 1.5%

14.6%

7.5%

4.1%

3.5%

1.1%

15.4%

0.4% 2.7%

Composición de Clientes de Captaciones Savers Composition-

December 2012

Banco Ademi

Bandelta

Banco Solidario

BancoSol

Banco Popular

BanGente

FINAMERICA

Financiera El Comercio

FINSOL

Mibanco

Akiba

AMFB

EB ACCION

EAMF

Banco Pichincha

Apoyo Integral

Banco Compartamos

5.0% 3.9%

6.4%

20.7%

0.6% 5.4%

7.6% 3.1%

0.5%

38.9%

1.9%

0.1% 0.3% 0.1%

5.1%

0.2% 0.0%

Composición de Saldos de Captaciones Savings $000 Composition-

December 2012

Banco Ademi

Bandelta

Banco Solidario

BancoSol

Banco Popular

BanGente

FINAMERICA


FINSOL

Mibanco

Akiba

AMFB

EB ACCION

EAMF

Banco Pichincha

Apoyo Integral

Banco Compartamos

LATI

N A

MER

ICA

Number of Savers decreased during the month of September due to a decrease from Mibanco considering that the institution started to report only cus-tomers who have a balance but not an active account without any balance as previously they used to reflect.

Savings balance decreased during the month of September due to disminu-tions reflected by Banco Ademi and Mibanco. This value grew up in Decem-ber given the steady growth registered by most of institutions.

AFR

ICA

AN

D A

SIA

Savings Balance grew consistently over the last year. Akiba fell slightly in Novem-ber but then rebounded significantly at the end of the year. Akiba keeps leader-ship in terms of balance.

The most important product in terms of customers is the savings account. None-therless, there is a special diversification in Latin America com in terms of balance because some institutions, keep high ba-lances in deposits and current accounts.

Savings accounts are the most impor-tant product within African institutions except for the case of EAMF which main product is the current account..

Growth in terms of savers keeps posi-tive trend within all African institutions which are operating savings products. None of them decreased at the end of the year.

PAIS/COUNTRY INSTITUCIÓN/INSTITUTION DEC 2011 DEC 2012

Cambio últimos 12

meses/Change last

12 months (%)

Dominican Republic Banco Ademi 158,885 179,555 13.01%

Mexico Banco Compartamos n/a 62,881 n/a

Panama Bandelta 9,420 7,059 -25.06%

Ecuador Banco Solidario 55,623 44,901 -19.28%

Bolivia BancoSol 484,973 547,222 12.84%

Honduras Banco Popular 23,199 33,747 45.47%

Venezuela BanGente 98,816 103,751 4.99%

Ecuador Banco Pichincha 163,974 361,839 120.67%

Colombia Finamerica 155,105 207,878 34.02%

Paraguay Financiera El Comercio 28,157 32,432 15.18%

Honduras Finsol 34,764 35,037 0.79%

Peru Mibanco 1

570,782 342,541 -39.99%

El Salvador Apoyo Integral 1,124 9,461 741.73%

1,784,822 1,968,304 10.3%

AFRICA, INDIA, CHINA

Tanzania Akiba 156,691 175,428 11.96%

Nigeria Accion Microfinance Bank 66,035 95,128 44.06%

Ghana EB-ACCION 70,136 82,466 17.58%

Cameroon EAMF 17,738 25,061 41.28%

Total - Africa, India and China 310,600 378,083 21.7%

Grand Total ACCION International 2,095,422 2,346,387 12.0%1.

Figure used to include clients who own accounts with balance zero. Total as of December 2012 is not including clients with balance zero.

Total Latin America and The Caribbean

Accion CLIENTES CAPTACIONES- CAMBIO PORCENTUAL

SAVERS-PERCENTAGE INCREASE

Usd $(000)

PAIS/COUNTRY INSTITUCIÓN/INSTITUTION DEC 2011 DEC 2012

Cambio últimos

12

meses/Change

last 12 months

(%)

Dominican Republic Banco Ademi 134,505 169,653 26.13%

Mexico Banco Compartamos n/a 1,314 n/a

Panama Bandelta 95,463 131,461 37.71%

Ecuador Banco Solidario 181,171 216,933 19.74%

Bolivia BancoSol 559,187 698,347 24.89%

Honduras Banco Popular 16,912 19,653 16.21%

Venezuela BanGente 120,085 183,391 52.72%

Ecuador Banco Pichincha 67,591 172,364 155.01%

Colombia FINAMERICA 162,751 254,243 56.22%

Paraguay Financiera El Comercio 80,634 104,806 29.98%

Honduras FINSOL 13,782 15,515 12.57%

Peru Mibanco 1,174,311 1,308,038 11.39%

El Salvador Apoyo Integral 1,378 8,221 496.76%

2,607,769 3,283,940 25.9%

Tanzania Akiba 54,225 64,481 18.91%

Nigeria Accion Microfinance Bank 2,764 3,499 26.59%

Ghana EB ACCION 8,077 9,089 12.53%

Cameroon EAMF 2,850 4,534 59.08%

67,917 81,603 20.2%

2,675,686 3,365,543 25.8%

TOTAL LATIN AMERICA AND THE CARIBBEAN

Total - Latin America & Caribbean

AFRICA, INDIA AND CHINA

Total - Africa, India and China

Grand Total - ACCION International

Accion SALDO DE CAPTACIONES- CAMBIO PORCENTUAL

SAVINGS-PERCENTAGE INCREASE

CUSTOMER SAVINGS AT DECEMBER 31/2012- Figures are in Dollars (Real Amount)

AKIBA COMMERCIAL BANK (Tanzania)

15

6,6

91

15

8,7

49

16

0,5

03

16

3,0

69

16

4,9

77

16

9,3

01

16

3,0

69

17

1,0

66

17

3,0

92

17

4,5

60

17

5,0

49

17

5,2

04

17

5,4

28

$54,225 $53,889

$55,423 $55,531 $54,634

$56,578 $56,695 $57,522

$60,886

$59,472

$61,351

$60,069

$64,481

$48,000

$50,000

$52,000

$54,000

$56,000

$58,000

$60,000

$62,000

$64,000

$66,000

145,000

150,000

155,000

160,000

165,000

170,000

175,000

180,000

Dic 11 Ene 12 Feb 12 Mar 12 April 12 May 12 June 12 July 12 Aug 12 Sep 12 Oct 12 Nov 12 Dec 12


35.3%

41.6%

4.8%

4.5%

8.3%

5.4%

0.02% 0.0% 0.0% Composición de Saldos de Captaciones

Savings ($000) Composition

Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds

Others (convertible bonds)

68.5%

31.3%

0.02%

0.02% 0.02% 0.02%

0.03% 0.00%

0.00%

Composición de Clientes de Captaciones Savers Composition

Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


Akiba


ACCION MICROFINANCE BANK (AMFB) (Nigeria)

66

,03

5

67

,04

9

69

,69

9

71

,92

1

74

,39

8

76

,18

5

71

,92

1

79

,68

9

83

,01

6

85

,88

9

85

,88

9

88

,80

1

95

,12

8

$2,764 $2,604 $2,686

$2,817 $2,855 $2,781 $2,803 $2,925

$3,064 $3,139 $3,139 $3,303

$3,499

$-

$500

$1,000

$1,500

$2,000

$2,500

$3,000

$3,500

$4,000

0

10,000

20,000

30,000

40,000

50,000

60,000

70,000

80,000

90,000

100,000



94%

5%

0%

0%

0% 1%

0% 0%

0%

Composición de Saldos de Captaciones Savings ($000) Composition

Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


98%

2% 0%

0%

0%

0.003%

0%

0%

0%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


AMFB


APOYO INTEGRAL (Salvador)

1,1

24

1,8

86

2,5

16

3,2

88

3,7

03

4,1

96

4,7

00

5,3

23

6,1

97

7,0

93

8,0

59

8,8

59

9,4

61

$1,378 $1,416

$4,662

$6,193 $6,863 $6,977

$7,628 $8,084

$8,724 $9,059

$9,621

$8,603 $8,221

$-

$2,000

$4,000

$6,000

$8,000

$10,000

$12,000

0

1,000

2,000

3,000

4,000

5,000

6,000

7,000

8,000

9,000

10,000



17%

0%

11%

50%

0%

22%

0% 0%

0%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


Apoyo Integral


BANCO ADEMI (Dominican Republic))1

58

,88

5

16

7,4

84

16

7,5

66

15

8,8

63

16

6,7

16

16

8,4

36

16

2,3

65

17

0,2

62

15

6,7

48

15

7,7

42

15

8,6

49

17

5,3

96

17

9,5

55

$134,505 $140,615

$145,614 $147,594 $152,612

$158,891 $161,355 $167,075

$175,136 $181,283 $176,678

$171,479 $169,653

$-

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

$200,000

145,000

150,000

155,000

160,000

165,000

170,000

175,000

180,000

185,000



Banco Ademi


BANCO COMPARTAMOS (Mexico)

0

29

,54

1

40

,97

1

52

,77

3

62

,88

1

$-

$949

$862 $898

$1,314

$-

$200

$400

$600

$800

$1,000

$1,200

$1,400

0

10,000

20,000

30,000

40,000

50,000

60,000

70,000

Dic 11 Mar 12 June 12 Sep 12 Dec 12


Banco Compartamos

CUSTOMER SAVINGS AT DECEMBER 31/2012- Figures are in Dollars ($000)

BANDELTA (Panama)

9,4

20

9,5

01

9,5

67

9,6

24

9,6

42

9,2

36

6,7

62

6,7

65

7,8

23

7,8

89

7,3

73

7,5

71

7,0

59

$95,463 $95,033 $96,993 $96,944 $97,469 $99,817

$123,570 $122,520

$101,715

$125,223

$104,420

$128,917 $131,461

$-

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

0

2,000

4,000

6,000

8,000

10,000

12,000



17.0%

0.4% 0.4%

0.4% 0.0%

0.9%

64.0%

15.13%

1.86%


Savings accounts Current accounts

Up to 30 days Up to 90 days

Up to 120 days Up to 360days

> 360 days Bonds

Vcn's

Bandelta


BANGENTE (Venezuela)

98

,81

6

99

,02

0

10

1,3

30

10

3,3

34

10

5,0

45

10

6,4

74

90

,66

2

90

,66

3

95

,14

1

97

,38

7

99

,73

5

10

2,1

77

10

3,7

51

$120,085 $120,085 $116,855 $121,186 $123,904 $130,222

$138,660 $144,776

$150,331 $160,188 $164,628

$173,440 $183,391

$-

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

$200,000

80,000

85,000

90,000

95,000

100,000

105,000

110,000



6.5%

27.1%

5.2%

1.8% 0.0%

0.0%

0.0%

47.1%

12.2%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Captaciones con Vencimiento a la Vista Otros ( Certificados de Microcrédito )

27%

73%

0.06%

0.04%

0.00%

0.00%

0.00%

0.05%

0.01%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Captaciones con Vencimiento a la Vista Otros ( Certificados de Microcrédito )

Bangente


BANCO PICHINCHA (Ecuador)

16

3,9

74

17

7,8

43

16

8,0

74

16

8,5

28

17

7,8

43

16

8,0

74

31

4,5

00

33

8,0

83

34

2,8

50

34

8,5

68

35

3,2

72

35

7,9

10

36

1,8

39

$67,591 $79,801

$65,448 $63,723

$79,801

$65,448

$137,323 $149,167 $152,971

$164,367 $155,548 $154,421

$172,364

$-

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

$200,000

0

50,000

100,000

150,000

200,000

250,000

300,000

350,000

400,000



72.7%

20.4%

1.5% 2.2%

1.0% 2.1%

0.1% 0.0%

0.0% Composición de Saldos de Captaciones

Savings ($000) Composition

Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


89%

9% 0.2%

0.4%

0.2%

0.3%

0.0%

0%

0%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


Banco Pichincha


BANCO POPULAR (Honduras))

23

,19

9

23

,20

0

23

,45

3

24

,20

6

24

,74

0

25

,55

2

24

,20

6

30

,67

8

31

,53

3

32

,18

7

32

,90

0

33

,33

6

33

,74

7

$16,912 $17,101

$17,585

$18,095 $17,931

$18,232

$18,561

$19,261 $19,016

$19,324

$19,706 $19,695 $19,653

$15,500

$16,000

$16,500

$17,000

$17,500

$18,000

$18,500

$19,000

$19,500

$20,000

0

5,000

10,000

15,000

20,000

25,000

30,000

35,000

40,000



26.9%

2.1%

0.00%

0.14%

0.00%

70.8%

0.1% 0.0%

0.0%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


93.7%

1.2%

0.01%

0.37%

0.01%

4.53%

0.11%

0%

0%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


Banco Popular


BANCO SOLIDARIO (Ecuador)

55

,62

3

55

,62

3

55

,36

2

44

,98

7

45

,18

7

45

,14

8

44

,98

5

44

,70

0

43

,89

9

44

,01

4

44

,49

7

44

,67

9

44

,90

1

$181,171 $181,171 $180,294 $189,947 $188,995 $192,799 $197,003 $196,935 $198,520 $203,536 $205,029 $208,824

$216,933

$-

$50,000

$100,000

$150,000

$200,000

$250,000

0

10,000

20,000

30,000

40,000

50,000

60,000



15%

4%

17%

21%

19%

17%

7% 0%

0%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


90%

1% 2%

2%

1%

3%

1%

0%

0%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


Banco Solidario


BANCOSOL (Bolivia)

48

4,9

73

49

0,8

09

49

0,6

83

49

5,4

76

50

1,7

56

50

8,0

48

49

5,4

76

53

7,9

09

52

5,6

17

53

1,4

23

53

6,0

96

54

2,1

06

54

7,2

22

$559,187 $576,466 $578,291 $592,485 $594,981 $604,493 $605,695 $624,113 $578,535

$661,184 $680,671

$622,488

$698,347

$-

$100,000

$200,000

$300,000

$400,000

$500,000

$600,000

$700,000

$800,000

450,000

460,000

470,000

480,000

490,000

500,000

510,000

520,000

530,000

540,000

550,000

560,000



29%

0%

1% 0%

0% 2%

59%

2% 7%





> 360 days Bonds


BancoSol


EAMF (Cameroon)

17

,73

8

18

,93

5

18

,79

4

18

,20

9

19

,26

9

19

,89

3

18

,20

9

22

,92

6

22

,30

7

23

,19

0

23

,78

6

24

,47

6

25

,06

1

$2,850 $3,097

$2,717

$3,283 $2,992 $2,885

$3,494 $3,722 $3,680

$4,159 $4,190 $4,448 $4,534

$-

$500

$1,000

$1,500

$2,000

$2,500

$3,000

$3,500

$4,000

$4,500

$5,000

0

5,000

10,000

15,000

20,000

25,000

30,000



13%

86%

0%

0%

1% 0%

0% 0%

0%





> 360 days Bonds


EAMF


EB-ACCION (EASL) (Ghana))

70

,13

6

72

,19

1

73

,87

4

75

,14

7

76

,22

8

77

,93

9

75

,14

7

79

,68

6

80

,65

9

81

,24

7

81

,24

7

81

,91

2

82

,46

6

$8,077 $8,256 $8,066 $7,459

$7,820 $7,765 $7,804 $7,749 $7,517 $7,517 $7,881

$8,226

$9,089

$-

$1,000

$2,000

$3,000

$4,000

$5,000

$6,000

$7,000

$8,000

$9,000

$10,000

62,000

64,000

66,000

68,000

70,000

72,000

74,000

76,000

78,000

80,000

82,000

84,000



80%

12%

0%

2% 4% 2%

0% 0%

0%





> 360 days Bonds


EB-ACCION


FINAMERICA (Colombia)

15

5,1

05

15

8,2

23

16

1,9

02

16

5,8

65

16

9,7

61

17

3,8

47

17

8,1

98

18

2,5

48

18

7,2

12

19

2,4

29

19

8,3

20

20

3,4

57

20

7,8

78

$162,751 $179,800

$189,823 $196,193 $206,666 $200,668

$219,546 $226,259 $231,687 $240,418 $240,849 $246,877 $254,243

$-

$50,000

$100,000

$150,000

$200,000

$250,000

$300,000

0

50,000

100,000

150,000

200,000

250,000



9% 0% 0%

2%

9%

40%

40%

0%

0%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


98%

0% 0.0%

0.2%

0.4%

1%

0.2%

0%

0%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


Finamerica


Financiera El Comercio (Paraguay)

28

,15

7

27

,07

6

28

,02

0

28

,95

6

28

,66

7

28

,96

7

30

,04

2

29

,84

5

30

,36

0

31

,59

3

31

,64

8

32

,48

9

32

,43

2

$80,634 $77,683 $83,973 $84,037 $85,072 $82,851 $84,090

$88,564 $87,912 $87,678 $88,796

$97,246

$104,806

$-

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

24,000

25,000

26,000

27,000

28,000

29,000

30,000

31,000

32,000

33,000



19%

0%

1% 2%

1%

8%

69%

0%

0%





> 360 days Bonds




FINSOL (Honduras)3

4,7

64

34

,79

1

35

,12

2

35

,42

7

35

,67

2

35

,97

4

33

,49

5

33

,75

9

33

,99

4

34

,19

9

34

,45

1

34

,80

2

35

,03

7

$13,782

$14,093

$14,375 $14,409 $14,339

$14,021

$15,311

$15,938 $15,970 $15,834

$15,491 $15,727

$15,515

$12,500

$13,000

$13,500

$14,000

$14,500

$15,000

$15,500

$16,000

$16,500

32,000

32,500

33,000

33,500

34,000

34,500

35,000

35,500

36,000

36,500



Finsol

CUSTOMER SAVINGS AT DECEMBER 31/2012- Figures are in Dollars ($000) (Reflecting Savers with balance more than $0)

MIBANCO (Peru)

27

4,9

69

28

4,5

82

34

2,5

41

$1,338,440

$999,583

$1,308,038

$-

$200,000

$400,000

$600,000

$800,000

$1,000,000

$1,200,000

$1,400,000

$1,600,000

0

50,000

100,000

150,000

200,000

250,000

300,000

350,000

400,000

June 12 Sep 12 Dec 12


20%

2%

5%

9%

6% 24%

34%

0%

0%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


93%

1% 0.2%

1%

1%

4%

0.2%

0%

0%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


Mibanco

Savings Report 2012

Documents

Transcript of Savings Report 2012