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.
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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