reporte captaciones 0314

22
Captaciones del Público: Red Acción y Partners MARZO, 2014*: 3,055,096 4,291,068 CLIENTES CAPTACIONES SALDO CAPTACIONES Acción TENDENCIA Y COMPOSICIÓN CAPTACIONES-12 MESES/ SAVINGS TRENDS AND COMPOSITION-LAST 12 MONTHS 2,321,848 2,108,665 2,134,728 2,516,148 2,797,342 2,798,790 2,856,441 2,897,791 2,927,403 2,964,187 3,171,295 3,193,292 3,055,096 $3,377,749 $3,569,624 $3,568,472 $3,671,934 $3,816,846 $3,818,401 $3,924,485 $3,974,225 $4,021,060 $4,173,305 $4,028,921 $4,041,626 $4,291,068 $- $500,000 $1,000,000 $1,500,000 $2,000,000 $2,500,000 $3,000,000 $3,500,000 $4,000,000 $4,500,000 $5,000,000 0 500,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 3,500,000 Mar 2013 April 2013 May 2013 June 2013 July 2013 Aug 2013 Sep 2013 Oct 2013 Nov 2013 Dec 2013 Jan 2014 Feb 2014 Mar 2014 Savers Savings ($ 000) Banco Ademi, 6.8% Bandelta, 0.3% Banco Solidario , 2.9% BancoSol , 21.1% Banco Popular, 1.2% BanGente, 4.4% FINAMERICA , 9.1% Financiera El Comercio, 1.7% FINSOL, 1.3% Mibanco, 12.9% Akiba, 6.6% AMFB, 2.2% EB ACCION, 3.1% EAMF, 1.2% Banco Pichincha, 20.9% Apoyo Integral, 0.6% Banco Compartamos, 3.6% Composición de Clientes de Captaciones Savers Composition- Mar 2014 Banco Ademi, 5.0% Bandelta, 3.6% Banco Solidario , 10.9% BancoSol , 19.9% Banco Popular, 0.5% BanGente, 4.8% FINAMERIC A , 5.9% Financiera El Comercio, 2.9% FINSOL, 0.4% Mibanco, 32.4% Akiba, 1.5% AMFB, 0.2% EB ACCION, 0.2% EAMF, 0.2% Banco Pichincha, 11.1% Apoyo Integral, 0.4% Banco Compartamos, 0.1% Composición de Saldos de Captaciones Savings $000 Composition- Mar 2014 Bandelta, 0.5% Banco Solidario , 7.8% BancoSol , 47.8% BanGente, 6.5% FINAMERICA , 8.0% Financiera El Comercio, 4.4% Mibanco, 24.2% Apoyo Integral, 0.9% Composición de Cuentas Activas para el 47% de IMF´s Active Accounts Composition 47% MFI´s- Mar 2014 2,964,187 3,055,096 23,862,856 25,933,644 0 5,000,000 10,000,000 15,000,000 20,000,000 25,000,000 30,000,000 Dec 2013 Mar 2014 Savers Savers-Global Market* MIX Market (85 MFI´s-LAC, Africa and Asia) $4,173,305 $4,291,068 $5,629,632 $5,976,435 $- $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 $7,000,000 Dec 2013 Mar 2014 Savings ($ 000) Savings-Global Market* MIX Market (85 MFI´s-LAC, Africa and Asia) $1,455 $1,693 $1,672 $1,459 $1,364 $1,364 $1,374 $1,371 $1,374 $1,408 $1,270 $1,266 $1,405 $- $500 $1,000 $1,500 $2,000 Mar 2013 April 2013 May 2013 June 2013 July 2013 Aug 2013 Sep 2013 Oct 2013 Nov 2013 Dec 2013 Jan 2014 Feb 2014 Mar 2014 Average Savings Balance ($ 000) Average Savings Balance ($ 000) AMÉRICA LATINA Durante el primer trimestre del año se evidencian crecimientos del 3% en América Latina, aclarando que las cifras del Banco Pichincha se reflejan a Dic 2013 temporalmente. Al realizar la comparación de Clientes Activos vs Cuentas Activas se evidencian casos donde existe gran cantidad de clientes activos pero con baja concentración de cuentas activas. Los saldos de captaciones en dólares reflejan un incremento durante Marzo del 2.9% en América Latina, creciendo a la par en clientes. Teniendo en cuenta la muestra del mercado global, el creci- miento en saldos ha sido del 7% en com- paración a tan solo el 3% en promedio para las IMF´s reportadas a nivel global. La muestra para LAC cuya información de los 2 periodos está disponible es aún pequéña de 8 instituciones dentro del total de la muestra de 85 IMF´s. pero la cantidad de IMF´S que opera captacio- nes en América Latina y reporta al MIX es de alrededor de 40 y se incrementará. ÁFRICA Y ASIA Los saldos de captaciones tuvieron una disminución en el 2% en promedio. Cabe anotar el que el mayor % de cre- cimiento lo tuvo EAMF-Camerún con el 7.74% de crecimiento en saldos. A partir de este reporte se reflejará una muestra del mercado global de capta- ciones en términos de Clientes y Saldos así como la inclusión del número de cuentas activas para el 47% de las IMF´s. Las cuentas de ahorro son el producto más importante de captación dentro de las instituciones en Africa. La dinámica de crecimiento comercial en términos de clientes se comporta positivamente para todas las institucio- nes en África. En términos de clientes fue AMFB-Nigeria quien tuvo mayor crecimiento con el 9% en los últimos 3 meses.. *Cifras de Banco Pichincha disponibles a Dic 2013 El producto más importante en clientes está liderado por las cuentas de ahorro.

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Reporte Captaciones con corte Marzo 2014

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Page 1: Reporte Captaciones 0314

Captaciones del Público: Red Acción y Partners

MARZO, 2014*:

3,055,096

4,291,068

CLIENTES CAPTACIONES

SALDO CAPTACIONES

Acción TENDENCIA Y COMPOSICIÓN CAPTACIONES-12 MESES/ SAVINGS TRENDS AND COMPOSITION-LAST 12 MONTHS

2,32

1,84

8

2,10

8,66

5

2,13

4,72

8

2,51

6,14

8

2,79

7,34

2

2,79

8,79

0

2,85

6,44

1

2,89

7,79

1

2,92

7,40

3

2,96

4,18

7

3,17

1,29

5

3,19

3,29

2

3,05

5,09

6

$3,377,749 $3,569,624 $3,568,472 $3,671,934

$3,816,846 $3,818,401 $3,924,485 $3,974,225 $4,021,060 $4,173,305

$4,028,921 $4,041,626 $4,291,068

$-

$500,000

$1,000,000

$1,500,000

$2,000,000

$2,500,000

$3,000,000

$3,500,000

$4,000,000

$4,500,000

$5,000,000

0

500,000

1,000,000

1,500,000

2,000,000

2,500,000

3,000,000

3,500,000Mar 2013 April 2013 May 2013 June 2013 July 2013 Aug 2013 Sep 2013 Oct 2013 Nov 2013 Dec 2013 Jan 2014 Feb 2014 Mar 2014

Savers Savings ($ 000)

Banco Ademi,

6.8%

Bandelta, 0.3% Banco Solidario ,

2.9%

BancoSol , 21.1%

Banco Popular,

1.2% BanGente,

4.4% FINAMERICA , 9.1%

Financiera El Comercio, 1.7% FINSOL, 1.3%

Mibanco, 12.9%

Akiba, 6.6% AMFB, 2.2%

EB ACCION, 3.1%

EAMF, 1.2%

Banco Pichincha, 20.9%

Apoyo Integral, 0.6%

Banco Compartamos,

3.6%

Composición de Clientes de Captaciones Savers Composition- Mar 2014

Banco Ademi, 5.0% Bandelta, 3.6%

Banco Solidario , 10.9%

BancoSol , 19.9%

Banco Popular, 0.5%

BanGente, 4.8% FINAMERICA , 5.9%

Financiera El Comercio, 2.9%

FINSOL, 0.4%

Mibanco, 32.4%

Akiba, 1.5%

AMFB, 0.2%

EB ACCION, 0.2%

EAMF, 0.2%

Banco Pichincha, 11.1%

Apoyo Integral, 0.4%

Banco Compartamos,

0.1%

Composición de Saldos de Captaciones Savings $000 Composition-

Mar 2014

Bandelta, 0.5% Banco Solidario ,

7.8%

BancoSol , 47.8%

BanGente, 6.5%

FINAMERICA , 8.0%

Financiera El Comercio, 4.4%

Mibanco, 24.2%

Apoyo Integral, 0.9%

Composición de Cuentas Activas para el 47% de IMF´s Active Accounts Composition 47% MFI s- Mar 2014

2,96

4,18

7

3,05

5,09

6

23,8

62,8

56

25,9

33,6

44

0

5,000,000

10,000,000

15,000,000

20,000,000

25,000,000

30,000,000Dec 2013 Mar 2014

Savers Savers-Global Market* MIX Market (85 MFI´s-LAC, Africa and Asia)

$4,173,305 $4,291,068

$5,629,632 $5,976,435

$-

$1,000,000

$2,000,000

$3,000,000

$4,000,000

$5,000,000

$6,000,000

$7,000,000Dec 2013 Mar 2014

Savings ($ 000) Savings-Global Market* MIX Market (85 MFI´s-LAC, Africa and Asia)

$1,455 $1,693 $1,672

$1,459 $1,364 $1,364 $1,374 $1,371 $1,374 $1,408 $1,270 $1,266 $1,405

$-

$500

$1,000

$1,500

$2,000

Mar2013

April2013

May2013

June2013

July2013

Aug2013

Sep2013

Oct2013

Nov2013

Dec2013

Jan2014

Feb2014

Mar2014

Average Savings Balance ($ 000)

Average Savings Balance ($ 000)

AM

ÉRIC

A L

ATIN

A Durante el primer trimestre del año se evidencian crecimientos del 3% en América Latina, aclarando que las cifras del Banco Pichincha se reflejan a Dic 2013 temporalmente. Al realizar la comparación de Clientes Activos vs Cuentas Activas se evidencian casos donde existe gran cantidad de clientes activos pero con baja concentración de cuentas activas.

Los saldos de captaciones en dólares reflejan un incremento durante Marzo del 2.9% en América Latina, creciendo a la par en clientes. Teniendo en cuenta la muestra del mercado global, el creci-miento en saldos ha sido del 7% en com-paración a tan solo el 3% en promedio para las IMF´s reportadas a nivel global. La muestra para LAC cuya información de los 2 periodos está disponible es aún pequéña de 8 instituciones dentro del total de la muestra de 85 IMF´s. pero la cantidad de IMF´S que opera captacio-nes en América Latina y reporta al MIX es de alrededor de 40 y se incrementará.

ÁFR

ICA

Y A

SIA

Los saldos de captaciones tuvieron una disminución en el 2% en promedio. Cabe anotar el que el mayor % de cre-cimiento lo tuvo EAMF-Camerún con el 7.74% de crecimiento en saldos.

A partir de este reporte se reflejará una muestra del mercado global de capta-ciones en términos de Clientes y Saldos así como la inclusión del número de cuentas activas para el 47% de las IMF´s.

Las cuentas de ahorro son el producto más importante de captación dentro de las instituciones en Africa. La dinámica de crecimiento comercial en términos de clientes se comporta positivamente para todas las institucio-nes en África. En términos de clientes fue AMFB-Nigeria quien tuvo mayor crecimiento con el 9% en los últimos 3 meses..

*Cifras de Banco Pichincha disponibles a Dic 2013

El producto más importante en clientes está liderado por las cuentas de ahorro.

Page 2: Reporte Captaciones 0314

PAIS/COUNTRY INSTITUCIÓN/INSTITUTION DEC 2013 MAR 2014

Cambio últimos 03

meses/Change last

03 months (%)

Dominican Republic Banco Ademi 195,227 207,915 6.50%

Mexico Banco Compartamos 96,918 108,698 12.15%

Panama Bandelta 8,277 8,667 4.71%

Ecuador Banco Solidario 91,790 89,539 -2.45%

Bolivia BancoSol 628,965 645,539 2.64%

Honduras Banco Popular 36,460 36,946 1.33%

Venezuela BanGente 126,800 133,382 5.19%

Ecuador Banco Pichincha 1

639,840 639,840 0.00%

Colombia Finamerica 265,604 277,527 4.49%

Paraguay Financiera El Comercio 50,489 53,041 5.05%

Honduras Finsol 38,643 39,344 1.81%

Peru Mibanco 382,139 394,916 3.34%

El Salvador Apoyo Integral 16,627 17,171 3.27%

2,577,779 2,652,525 2.9%

AFRICA, INDIA, CHINA

Tanzania Akiba 197,781 202,880 2.58%

Nigeria Accion Microfinance Bank 61,720 67,349 9.12%

Ghana EB-ACCION 91,785 95,419 3.96%

Cameroon EAMF 35,122 36,923 5.13%

Total - Africa, India and China 386,408 402,571 4.2%

Grand Total ACCION International 2,964,187 3,055,096 3.1%

1. Data available as of December 2013

Total Latin America and The Caribbean

Accion CLIENTES CAPTACIONES- CAMBIO PORCENTUAL

SAVERS-PERCENTAGE INCREASE

Page 3: Reporte Captaciones 0314

Usd $(000)

PAIS/COUNTRY INSTITUCIÓN/INSTITUTION DEC 2013 MAR 2014

Cambio últimos

03 meses/Change

last 03 months

(%)

Dominican Republic Banco Ademi 194,965 213,146 9.33%

Mexico Banco Compartamos 2,981 2,719 -8.76%

Panama Bandelta 147,523 153,270 3.90%

Ecuador Banco Solidario 475,218 468,271 -1.46%

Bolivia BancoSol 851,847 855,457 0.42%

Honduras Banco Popular 20,759 21,274 2.48%

Venezuela BanGente 212,450 206,350 -2.87%

Ecuador Banco Pichincha 1

477,422 477,422 0.00%

Colombia FINAMERICA 254,660 253,828 -0.33%

Paraguay Financiera El Comercio 115,389 126,571 9.69%

Honduras FINSOL 16,743 17,135 2.34%

Peru Mibanco 1,298,058 1,392,061 7.24%

El Salvador Apoyo Integral 18,397 18,459 0.33%

4,086,412 4,205,964 2.9%

Tanzania Akiba 64,695 63,702 -1.54%

Nigeria Accion Microfinance Bank 6,755 7,184 6.34%

Ghana EB ACCION 8,738 6,995 -19.94%

Cameroon EAMF 6,705 7,224 7.74%

86,894 85,105 -2.1%

4,173,305 4,291,068 2.8%

1. Data as of December 2013

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

Page 4: Reporte Captaciones 0314

Real Amount

PAIS/COUNTRY INSTITUCIÓN/INSTITUTION DEC 2013 MAR 2014

Cambio últimos

03 meses/Change

last 03 months

(%)

Dominican Republic Banco Ademi 999 1,025 2.65%

Mexico Banco Compartamos 31 25 -18.65%

Panama Bandelta 17,823 17,684 -0.78%

Ecuador Banco Solidario 5,177 5,230 1.02%

Bolivia BancoSol 1,354 1,325 -2.15%

Honduras Banco Popular 569 576 1.13%

Venezuela BanGente 1,675 1,547 -7.66%

Ecuador Banco Pichincha 1

746 746 0.00%

Colombia FINAMERICA 959 915 -4.61%

Paraguay Financiera El Comercio 2,285 2,386 4.41%

Honduras FINSOL 433 436 0.52%

Peru Mibanco 3,397 3,525 3.77%

El Salvador Apoyo Integral 1,106 1,075 -2.84%

1,585 1,586 0.0%

Tanzania Akiba 327 314 -4.01%

Nigeria Accion Microfinance Bank 109 107 -2.55%

Ghana EB ACCION 95 73 -22.99%

Cameroon EAMF 191 196 2.48%

225 211 -6.0%

1,408 1,405 -0.2%

1. Data as of December 2013

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 PROMEDIO- CAMBIO PORCENTUAL AVERAGE BALANCE PERCENTAGE INCREASE

Page 5: Reporte Captaciones 0314

Region/Región Asia Africa LAC Total * This is only a small size of total market. There are more than 40 MFI´s

Sample-Muestra No Socios Acción 34 43 8 85 which are not part of Accion but Data from both variables and periods is not available yet

Region Dic 2013 Mar-14 % Dic 2013 Mar-14 % Dic 2013 Mar-14 %

Asia (East, South and The Pacific) 1,391,269 1,521,603.8 9% 9,169,598 10,225,593 12% 152 1 -99%

Africa 3,107,837 3,302,213 6% 13,197,933 14,415,982 9% 235 1 -100%

LAC 1,130,526 1,152,618 2% 1,251,397 1,235,435 -1% 903 1 -100%

Savings Balance/Saldo Captaciones (usd 000) Savers/Clientes Captaciones Average Balance/Saldo Promedio (Real Amount)

1,391,269

3,107,837

1,130,526

9,169,598

13,197,933

1,251,397

-

2,000,000

4,000,000

6,000,000

8,000,000

10,000,000

12,000,000

14,000,000

Asia (East, South and ThePacific) Africa LAC

Savers/Clientes Captaciones Savings Balance/Saldo Captaciones (usd 000)

DEC 2013

1,521,603.8

3,302,213

1,152,618

10,225,593

14,415,982

1,235,435

-

2,000,000

4,000,000

6,000,000

8,000,000

10,000,000

12,000,000

14,000,000

16,000,000

Asia (East, South and ThePacific) Africa LAC

Savers/Clientes Captaciones Savings Balance/Saldo Captaciones (usd 000)

MAR 2014

Page 6: Reporte Captaciones 0314

CUSTOMER SAVINGS AT MAR 31/2014- Figures are in Dollars (Real Amount)

AKIBA COMMERCIAL BANK (Tanzania)

18

0,4

60

18

3,2

12

18

6,5

90

19

0,0

48

19

0,3

35

19

0,1

86

19

1,5

36

19

1,5

36

19

6,0

08

19

7,7

81

19

9,6

52

19

9,4

65

20

2,8

80

$60,431

$59,612 $59,596

$60,192

$61,376

$62,237

$63,253

$64,122

$62,975

$64,695

$63,710

$62,443

$63,702

165,000

170,000

175,000

180,000

185,000

190,000

195,000

200,000

205,000

Mar 13 Apr 13 May 13 June 13 July 13 Aug 13 Sep 13 Oct 13 Nov 13 Dec 13 Jan 14 Feb 14 Mar 14

Savers Savings ($ 000)

38.0%

45.2%

1.1%

4.2%

2.9%

2.7%

5.93%

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 (convertiblebonds)

68.8%

31.1%

0.02% 0.02%

0.02% 0.03% 0.04% 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

Others (convertiblebonds)

Akiba

Page 7: Reporte Captaciones 0314

CUSTOMER SAVINGS AT MAR 31/2014- Figures are in Dollars (Real Amount)

ACCION MICROFINANCE BANK (AMFB) (Nigeria)

61

,72

0

61

,72

0

64

,49

9

67

,34

9

$6,755 $6,744

$7,023

$7,184

$6,500

$6,600

$6,700

$6,800

$6,900

$7,000

$7,100

$7,200

$7,300

58,000

59,000

60,000

61,000

62,000

63,000

64,000

65,000

66,000

67,000

68,000

Dec 13 Jan 14 Feb 14 Mar 14

Savers Savings ($ 000)

AMFB

Page 8: Reporte Captaciones 0314

CUSTOMER SAVINGS AT MARCH 31/2014- Figures are in Dollars (Real Amount)

APOYO INTEGRAL (Salvador)1

1,9

29

12

,58

0

13

,07

3

13

,39

8

13

,73

5

14

,02

7

14

,76

3

15

,66

2

16

,25

4

16

,62

7

16

,83

2

16

,98

5

17

,17

1

10

,69

3

10

,69

3

$10,179 $10,486

$11,303 $11,747 $11,747

$13,259

$14,329

$17,065 $16,804

$18,397 $18,472 $18,549 $18,459

$-

$2,000

$4,000

$6,000

$8,000

$10,000

$12,000

$14,000

$16,000

$18,000

$20,000

0

2,000

4,000

6,000

8,000

10,000

12,000

14,000

16,000

18,000

20,000

Mar 13 April 13 May 13 June 13 July 13 Aug 13 Sep 13 Oct 13 Nov 13 Dec 13 Jan 14 Feb 14 Mar 14

Savers Active Accounts Savings ($ 000)

Apoyo Integral

Page 9: Reporte Captaciones 0314

CUSTOMER SAVINGS AT MARCH 31/2014- Figures are in Dollars (Real Amount)

BANCO ADEMI (Dominican Republic)1

78

,16

9

17

8,8

22

18

0,3

88

18

2,5

01

18

5,3

40

18

8,8

81

19

2,1

13

19

0,5

20

19

4,1

27

19

5,2

27

19

4,6

11

19

7,8

32

20

7,9

15

$169,398 $174,317 $177,542 $176,516 $178,628 $174,732 $177,859

$185,129 $187,641 $194,965 $190,965

$198,598

$213,146

$-

$50,000

$100,000

$150,000

$200,000

$250,000

160,000

165,000

170,000

175,000

180,000

185,000

190,000

195,000

200,000

205,000

210,000

215,000

Mar 13 April 13 May 13 June 13 July 13 Aug 13 Sep 13 Oct 13 Nov 13 Dec 13 Jan 14 Feb 14 Mar 14

Savers Savings ($ 000)

Banco Ademi

Page 10: Reporte Captaciones 0314

CUSTOMER SAVINGS AT MARCH 31/2014- Figures are in Dollars (Real Amount)

BANCO COMPARTAMOS (Mexico)

74

,35

7

83

,09

6

90

,25

9

96

,91

8

10

8,6

98

$1,780

$2,610

$2,884 $2,981

$2,719

$-

$500

$1,000

$1,500

$2,000

$2,500

$3,000

$3,500

0

20,000

40,000

60,000

80,000

100,000

120,000

Mar 13 June 13 Sep 13 Dec 13 Mar 14

Savers Savings ($ 000)

Banco Compartamos

Page 11: Reporte Captaciones 0314

CUSTOMER SAVINGS AT MARCH 31/2014- Figures are in Dollars (Real Amount)

BANDELTA (Panama)

7,6

85

7,7

61

7,8

20

7,8

52

8,0

19

8,1

02

7,4

26

9,0

29

8,3

69

8,2

77

8,4

68

8,5

95

8,6

67

6,1

36

6,4

16

$137,696

$140,245

$142,165

$144,321 $143,462 $143,907 $144,392

$145,528

$147,068 $147,523

$148,972

$152,796 $153,270

$125,000

$130,000

$135,000

$140,000

$145,000

$150,000

$155,000

0

1,000

2,000

3,000

4,000

5,000

6,000

7,000

8,000

9,000

10,000

Mar 13 April 13 May 13 June 13 July 13 Aug 13 Sep 13 Oct 13 Nov 13 Dec 13 Jan 14 Feb 14 Mar 14

Savers Active Accounts Savings ($ 000)

18.6% 0.3%

0.7% 0.3%

0.0%

1.2%

64.3%

12.36%

2.28%

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

Vcn's

Bandelta

Page 12: Reporte Captaciones 0314

CUSTOMER SAVINGS AT MARCH 31/2014- Figures are in Dollars (Real Amount)

BANGENTE (Venezuela)

10

7,9

73

10

9,9

47

11

2,4

15

11

4,7

15

11

6,7

97

11

9,0

08

12

1,3

35

12

3,7

12

12

5,5

23

12

6,8

00

12

7,8

61

13

1,8

50

13

3,3

82

77

,86

9

81

,90

2

$124,405 $130,140

$135,900

$151,658 $152,426 $161,386

$175,653

$187,356

$201,290

$212,450 $207,882 $205,123 $206,350

$-

$50,000

$100,000

$150,000

$200,000

$250,000

0

20,000

40,000

60,000

80,000

100,000

120,000

140,000

160,000

Mar 13 April 13 May 13 June 13 July 13 Aug 13 Sep 13 Oct 13 Nov 13 Dec 13 Jan 14 Feb 14 Mar 14

Savers Active Accounts Savings ($ 000)

5.3%

26.1%

6.9%

6.8% 0.0% 0.3%

0.0%

46.4%

8.2%

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

Captaciones conVencimiento a la VistaOtros ( Certificados deMicrocrédito )

26%

74%

0.04%

0.03%

0.00%

0.00%

0.00%

0.03%

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

Captaciones con Vencimiento ala VistaOtros ( Certificados deMicrocrédito )

Bangente

Page 13: Reporte Captaciones 0314

CUSTOMER SAVINGS AT DECEMBER 31/2013- Figures are in Dollars (Real Amount)

BANCO PICHINCHA (Ecuador)

26

7,3

92

33

1,2

86

55

8,7

86

56

0,8

54

54

8,3

15

56

5,4

18

56

5,0

61

63

9,8

40

$111,099

$177,076

$296,618 $302,808 $301,895 $303,460 $306,574

$477,422

$-

$100,000

$200,000

$300,000

$400,000

$500,000

$600,000

0

100,000

200,000

300,000

400,000

500,000

600,000

700,000

Mar 13 June 13 July 13 Aug 13 Sep 13 Oct 13 Nov 13 Dec 13

Savers Savings ($ 000)

87%

11% 0.4%

0.5%

0.2%

0.7%

0.0%

0%

0%

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

Others (convertible bonds)

Banco Pichincha

Page 14: Reporte Captaciones 0314

CUSTOMER SAVINGS AT MARCH 31/2014- Figures are in Dollars (Real Amount)

BANCO POPULAR (Honduras)

35

,12

3

35

,44

9

35

,89

8

36

,49

5

36

,95

2

37

,50

6

37

,85

7

37

,07

1

36

,94

8

36

,46

0

35

,93

8

36

,44

4

36

,94

6

$21,187 $21,195

$20,685

$20,941

$21,158

$21,464

$20,981 $20,904

$20,546

$20,759

$20,019

$20,571

$21,274

$19,000

$19,500

$20,000

$20,500

$21,000

$21,500

$22,000

33,500

34,000

34,500

35,000

35,500

36,000

36,500

37,000

37,500

38,000

38,500

Mar 13 April 13 May 13 June 13 July 13 Aug 13 Sep 13 Oct 13 Nov 13 Dec 13 Jan 14 Feb 14 Mar 14

Savers Savings ($ 000)

24.8%

2.4%

0.00%

0.43%

0.00%

29.55%

42.7%

0.0%

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

Hasta 180 DIAS

Up to 360days

> 360 days

Bonds

Others (convertible bonds)

93.6%

1.8%

0.01%

0.32%

0.01%

1.02%

3.12%

0.08%

0% 0%

Composición de Clientes de Captaciones Savers Composition

Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Hasta 180 DIAS

Up to 360days

> 360 days

Bonds

Others (convertible bonds)

Banco Popular

Page 15: Reporte Captaciones 0314

CUSTOMER SAVINGS AT MARCH 31/2014- Figures are in Dollars (Real Amount)

BANCO SOLIDARIO (Ecuador)

45

,13

6

76

,55

3

76

,82

9

76

,76

5

88

,89

3

89

,54

5

90

,14

8

90

,77

5

91

,38

0

91

,79

0

92

,29

4

92

,51

1

89

,53

9

84

,82

0

97

,55

6

$222,613

$489,061 $482,528 $463,503 $462,326 $456,213 $455,320 $459,566 $466,015 $475,218 $470,983 $473,357 $468,271

$-

$100,000

$200,000

$300,000

$400,000

$500,000

$600,000

0

20,000

40,000

60,000

80,000

100,000

120,000

Mar 13 April 13 May 13 June 13 July 13 Aug 13 Sep 13 Oct 13 Nov 13 Dec 13 Jan 14 Feb 14 Mar 14

Savers Active Accounts Savings ($ 000)

12%

4%

19%

22%

16%

17%

10% 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)

90%

1% 0%

0%

0%

4%

5%

0%

0%

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

Others (convertible bonds)

Banco Solidario

Page 16: Reporte Captaciones 0314

CUSTOMER SAVINGS AT MARCH 31/2014- Figures are in Dollars (Real Amount)

BANCOSOL (Bolivia)

56

5,9

62

57

2,5

67

57

8,5

87

58

4,8

88

59

1,9

22

59

8,7

13

60

6,4

67

61

5,0

73

62

2,4

44

62

8,9

65

63

5,5

89

64

1,1

75

64

5,5

39

58

9,4

80

59

8,3

86

$739,214

$761,430 $761,459 $767,440

$789,135 $785,659

$802,239

$816,792

$839,391

$851,847 $855,927 $855,420 $855,457

$680,000

$700,000

$720,000

$740,000

$760,000

$780,000

$800,000

$820,000

$840,000

$860,000

$880,000

520,000

540,000

560,000

580,000

600,000

620,000

640,000

660,000

Mar 13 April 13 May 13 June 13 July 13 Aug 13 Sep 13 Oct 13 Nov 13 Dec 13 Jan 14 Feb 14 Mar 14

Savers Active Accounts Savings ($ 000)

28%

0%

0% 0%

0% 1%

59%

3% 9%

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)

BancoSol

Page 17: Reporte Captaciones 0314

CUSTOMER SAVINGS AT MARCH 31/2014- Figures are in Dollars (Real Amount)

EAMF (Cameroon)

27

,19

0

28

,13

6

29

,04

1

29

,96

9

30

,78

9

31

,73

1

32

,73

0

33

,63

9

34

,41

9

35

,12

2

35

,78

5

36

,29

2

36

,92

3

$5,012 $5,110 $5,306

$5,514 $5,788

$5,646

$6,082 $6,318 $6,422

$6,705 $6,754 $6,923

$7,224

$-

$1,000

$2,000

$3,000

$4,000

$5,000

$6,000

$7,000

$8,000

0

5,000

10,000

15,000

20,000

25,000

30,000

35,000

40,000

Mar 13 April 13 May 13 June 13 July 13 Aug 13 Sep 13 Oct 13 Nov 13 Dec 13 Jan 14 Feb 14 Mar 14

Savers Savings ($ 000)

90%

6%

0%

0%

3% 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

Others (convertible bonds)

EAMF

Page 18: Reporte Captaciones 0314

CUSTOMER SAVINGS AT MARCH 31/2014- Figures are in Dollars (Real Amount)

EB-ACCION (EASL) (Ghana))

85

,35

9

85

,51

5

86

,78

1

87

,40

1

87

,85

5

88

,50

3

90

,86

1

90

,91

3

91

,58

2

91

,78

5

95

,91

9

96

,51

4

95

,41

9

$9,323 $9,207 $9,157 $9,021 $9,129 $8,938

$8,008

$8,460 $8,086

$8,738

$8,025 $7,843

$6,995

$-

$1,000

$2,000

$3,000

$4,000

$5,000

$6,000

$7,000

$8,000

$9,000

$10,000

78,000

80,000

82,000

84,000

86,000

88,000

90,000

92,000

94,000

96,000

98,000

Mar 13 April 13 May 13 June 13 July 13 Aug 13 Sep 13 Oct 13 Nov 13 Dec 13 Jan 14 Feb 14 Mar 14

Savers Savings ($ 000)

72%

16%

0%

4% 6% 2%

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)

EB-ACCION

Page 19: Reporte Captaciones 0314

CUSTOMER SAVINGS AT MARCH 31/2014- Figures are in Dollars (Real Amount)

FINAMERICA (Colombia)

22

0,8

43

22

6,2

04

23

1,4

64

23

6,3

74

24

1,5

20

24

6,0

98

25

1,2

27

25

6,7

62

26

2,0

45

26

5,6

04

26

9,0

98

27

3,2

71

27

7,5

27

96

,99

2

10

0,2

72

$252,244

$254,708

$252,030 $252,766

$256,619

$250,821

$254,293

$255,501

$254,452 $254,660

$248,069

$242,632

$253,828

$235,000

$240,000

$245,000

$250,000

$255,000

$260,000

0

50,000

100,000

150,000

200,000

250,000

300,000

Mar 13 April 13 May 13 June 13 July 13 Aug 13 Sep 13 Oct 13 Nov 13 Dec 13 Jan 14 Feb 14 Mar 14

Savers Active Accounts Savings ($ 000)

11% 0%

0%

1%

8%

39%

41%

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)

98%

0% 0.1%

0.2%

0.4%

1%

0.2%

0%

0%

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

Others (convertible bonds)

Finamerica

Page 20: Reporte Captaciones 0314

CUSTOMER SAVINGS AT MARCH 31/2014- Figures are in Dollars (Real Amount)

Financiera El Comercio (Paraguay)

38

,03

5

37

,93

3

39

,54

4

41

,60

7

42

,53

4

44

,32

8

46

,25

8

48

,40

3

49

,78

0

50

,48

9

51

,09

6

52

,09

4

53

,04

1

$115,412 $114,283

$110,233

$108,613 $109,801

$112,375

$114,770

$118,184 $118,058

$115,389 $115,814

$123,532

$126,571

$95,000

$100,000

$105,000

$110,000

$115,000

$120,000

$125,000

$130,000

0

10,000

20,000

30,000

40,000

50,000

60,000

Mar 13 April 13 May 13 June 13 July 13 Aug 13 Sep 13 Oct 13 Nov 13 Dec 13 Jan 14 Feb 14 Mar 14

Savers Savings ($ 000)

19%

0%

2% 1%

2%

8%

68%

0%

0%

Composición de Saldos de Captaciones Savings ($000) Composition

Savings accounts Current accounts

Up to 30 days Up to 90 days

Up to 180 days Up to 360 days

>360 days Bonds

Others (convertible bonds)

Financiera El Comercio

Page 21: Reporte Captaciones 0314

CUSTOMER SAVINGS AT MARCH 31/2014- Figures are in Dollars (Real Amount)

FINSOL (Honduras)3

6,0

04

36

,24

4

36

,64

2

37

,13

8

37

,34

2

37

,56

8

37

,89

0

38

,15

5

38

,42

7

38

,64

3

38

,89

2

38

,22

5

39

,34

4

$15,552

$15,713

$16,355 $16,347

$16,542

$16,688

$16,844

$17,082

$16,760 $16,743 $16,643

$16,874

$17,135

$14,500

$15,000

$15,500

$16,000

$16,500

$17,000

$17,500

34,000

35,000

36,000

37,000

38,000

39,000

40,000

Mar 13 April 13 May 13 June 13 July 13 Aug 13 Sep 13 Oct 13 Nov 13 Dec 13 Jan 14 Feb 14 Mar 14

Savers Savings ($ 000)

Finsol

Page 22: Reporte Captaciones 0314

CUSTOMER SAVINGS AT MARCH 31/2014- Figures are in Dollars (Real Amount)

MIBANCO (Peru)

33

7,4

45

35

1,5

19

38

4,9

83

38

2,1

39

39

4,9

16

30

4,2

43

30

3,1

39

$1,378,306

$1,298,350

$1,359,356

$1,298,058

$1,392,061

$1,240,000

$1,260,000

$1,280,000

$1,300,000

$1,320,000

$1,340,000

$1,360,000

$1,380,000

$1,400,000

0

50,000

100,000

150,000

200,000

250,000

300,000

350,000

400,000

450,000

Mar 13 June 13 Sep 13 Dec 13 Mar 14

Savers Active Accounts Savings ($ 000)

20%

1%

3%

8%

4%

29%

35%

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)

89%

1% 0.1%

1%

1%

3%

5.6%

0%

0%

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

Others (convertible bonds)

Mibanco