Reporte Captaciones 0913

Captaciones del Público: Red Acción y Partners

SEPTIEMBRE, 2013:

2,873,722

3,952,895

CLIENTES CAPTACIONES

SALDO CAPTACIONES

Acción TENDENCIA Y COMPOSICION CAPTACIONES-12 MESES

SAVINGS TRENDS AND COMPOSITION-LAST 12 MONTHS

2,57

1,95

6

2,59

3,51

7

2,63

5,72

1

2,34

7,73

7

2,36

4,91

9

2,38

8,78

5

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

2,87

3,72

2

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

$3,365,543 $3,250,776 $3,209,075

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

$3,671,934 $3,816,846 $3,818,401

$3,952,895

$-

$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

0

500,000

1,000,000

1,500,000

2,000,000

2,500,000

3,000,000

3,500,000Sep 2012 Oct 2012 Nov 2012 Dec 2012 Jan 2013 Feb 2013 Mar 2013 April 2013 May 2013 June 2013 July 2013 Aug 2013 Sep 2013

Savers Savings ($ 000)

7.3% 0.3%

3.1%

23.2%

1.5% 4.7%

9.4%

1.7% 1.5%

14.0%

7.6%

4.4%

3.5%

1.2% 13.2%

0.5%

3.3%

Composición de Clientes de Captaciones Savers Composition-

Sep 2013

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

4.8% 3.9%

12.6%

20.9%

0.6% 3.7%

6.9% 3.0% 0.4%

35.4%

1.6%

0.1% 0.2% 0.2%

4.8%

0.3% 0.1%

Composición de Saldos de Captaciones Savings $000 Composition-

Sep 2013

Banco Ademi

Bandelta

Banco Solidario

BancoSol

Banco Popular

BanGente

FINAMERICA


FINSOL

Mibanco

Akiba

AMFB

EB ACCION

EAMF

Banco Pichincha

Apoyo Integral

Banco Compartamos

AM

ÉRIC

A L

ATIN

A

Los clientes de captaciones tuvieron un crecimiento constante en la mayoría de las instituciones en América Latina. El ranking en crecimiento en clientes lo lideran este trimestre Banco Solidario-Ecuador, Banco Pichincha-Ecuador y Apoyo Integral-El Salvador con creci-mientos del 100%, 56.3% y 56% respec-tivamente con respecto a Diciembre 2012.Los saldos de captaciones en dólares reflejan un incremento durante el mes de Septiembre del 17%. Sin embargo, los saldos en Bangente-Venezuela han disminuido en un 4% con respecto a Dic 2012. Por otro lado, Banco Solidario-Ecuador y Banco Pichincha-Ecuador han incrementado su saldo en captaciones en porcentajes de más del 100% y 70% res-pectivamente.

ÁFR

ICA

Y A

SIA

Los saldos de captaciones tuvieron una disminución en el 50% de las IMF´s. Cabe anotar el que el mayor % de crecimiento lo tuvo AMFB Nigeria con el 80% de cre-cimiento en saldos.

Continúa liderando la cuenta de ahorros como el producto más importante en términos de clientes. Sin embargo, los depósitos continúan siendo un produc-to muy importante que va en constante crecimiento.

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 EAMF Camerún quien tuvo mayor crecimiento con el 30% en los últimos 9 meses..

PAIS/COUNTRY INSTITUCIÓN/INSTITUTION DEC 2012 SEP 2013

Cambio últimos 09

meses/Change last

09 months (%)

Dominican Republic Banco Ademi 179,555 192,113 6.99%

Mexico Banco Compartamos 62,881 90,259 n/a

Panama Bandelta 7,059 7,426 5.20%

Ecuador Banco Solidario 44,901 90,148 100.77%

Bolivia BancoSol 547,222 606,467 10.83%

Honduras Banco Popular 33,747 37,857 12.18%

Venezuela BanGente 103,751 121,335 16.95%

Ecuador Banco Pichincha 361,839 565,596 56.31%

Colombia Finamerica 207,878 251,227 20.85%

Paraguay Financiera El Comercio 33,782 46,258 36.93%

Honduras Finsol 35,037 37,890 8.14%

Peru Mibanco 1

342,541 384,983 12.39%

El Salvador Apoyo Integral 9,461 14,763 56.04%

1,969,654 2,446,322 24.2%

AFRICA, INDIA, CHINA

Tanzania Akiba 175,428 191,536 9.18%

Nigeria Accion Microfinance Bank 95,128 112,273 18.02%

Ghana EB-ACCION 82,466 90,861 10.18%

Cameroon EAMF 25,061 32,730 30.60%

Total - Africa, India and China 378,083 427,400 13.0%

Grand Total ACCION International 2,347,737 2,873,722 22.4%1.

This figure used to include clients who own accounts with balance zero. Total as of September 2013 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 2012 SEP 2013

Cambio últimos

09

meses/Change

last 09 months

(%)

Dominican Republic Banco Ademi 169,653 177,859 4.84%

Mexico Banco Compartamos 1,314 2,884 n/a

Panama Bandelta 131,461 144,392 9.84%

Ecuador Banco Solidario 216,933 455,320 109.89%

Bolivia BancoSol 698,347 802,239 14.88%

Honduras Banco Popular 19,653 20,981 6.76%

Venezuela BanGente 183,391 175,653 -4.22%

Ecuador Banco Pichincha 172,364 330,305 91.63%

Colombia FINAMERICA 254,243 254,293 0.02%

Paraguay Financiera El Comercio 104,806 114,770 9.51%

Honduras FINSOL 15,515 16,844 8.57%

Peru Mibanco 1,308,038 1,359,356 3.92%

El Salvador Apoyo Integral 8,221 14,329 74.30%

3,283,940 3,869,226 17.8%

Tanzania Akiba 64,481 63,253 -1.90%

Nigeria Accion Microfinance Bank 3,499 6,327 80.81%

Ghana EB ACCION 9,089 8,008 -11.90%

Cameroon EAMF 4,534 6,082 34.13%

81,603 83,669 2.5%

3,365,543 3,952,895 17.5%

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 SEP 30/2013- Figures are in Dollars (Real Amount)

AKIBA COMMERCIAL BANK (Tanzania)

174,

560

175,

049

175,

204

175,

428

176,

813

178,

430

180,

460

183,

212

186,

590

190,

048

190,

335

190,

186

191,

536

$59,472

$61,351

$60,069

$64,481

$58,414 $58,977

$60,431

$59,612 $59,596 $60,192

$61,376

$62,237

$63,253

$55,000

$56,000

$57,000

$58,000

$59,000

$60,000

$61,000

$62,000

$63,000

$64,000

$65,000

165,000

170,000

175,000

180,000

185,000

190,000

195,000Sep 12 Oct 12 Nov 12 Dec 12 Jan 13 Feb 13 Mar 13 Apr 13 May 13 June 13 July 13 Aug 13 Sep 13


56.6% 21.7%

2.0%

3.8%

2.1%

6.1%

7.59%

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)

68.6%

31.3%

0.03% 0.02% 0.02% 0.02% 0.02%

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

CUSTOMER SAVINGS AT SEP 30/2013- Figures are in Dollars (Real Amount)

ACCION MICROFINANCE BANK (AMFB) (Nigeria)

85,8

89

85,8

89

88,8

01

95,1

28

97,4

12

99,8

18

102,

786

105,

940

107,

854

111,

096

114,

905

109,

125

112,

273

$3,139 $3,139 $3,303 $3,499 $3,533 $3,702 $3,898 $4,032 $4,127

$5,316 $5,689

$5,959 $6,327

$-

$1,000

$2,000

$3,000

$4,000

$5,000

$6,000

$7,000

0

20,000

40,000

60,000

80,000

100,000

120,000

140,000Sep 12 Oct 12 Nov 12 Dec 12 Jan 13 Feb 13 Mar 13 April 13 May 13 June 13 July 13 Aug 13 Sep 13


78%

5%

0%

1% 0%

16%

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


97%

3% 0% 0%

0% 0.001%

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


AMFB

CUSTOMER SAVINGS AT SEPTEMBER 30/2013- Figures are in Dollars (Real Amount)

APOYO INTEGRAL (Salvador)7,

093

8,05

9

8,85

9

9,46

1

10,2

93

11,0

79

11,9

29

12,5

80

13,0

73

13,3

98

13,7

35

14,0

27

14,7

63

$9,059 $9,621

$8,603 $8,221 $8,450

$10,049 $10,179 $10,486 $11,303 $11,747 $11,747

$13,259 $14,329

$-

$2,000

$4,000

$6,000

$8,000

$10,000

$12,000

$14,000

$16,000

0

2,000

4,000

6,000

8,000

10,000

12,000

14,000



Apoyo Integral

CUSTOMER SAVINGS AT SEPTIEMBRE 30/2013- Figures are in Dollars (Real Amount)

BANCO ADEMI (Dominican Republic))15

7,74

2

158,

649

175,

396

179,

555

176,

245

177,

430

178,

169

178,

822

180,

388

182,

501

185,

340

188,

881

192,

113

$181,283

$176,678

$171,479 $169,653 $169,047 $168,398

$169,398

$174,317

$177,542 $176,516

$178,628

$174,732

$177,859

$160,000

$165,000

$170,000

$175,000

$180,000

$185,000

0

50,000

100,000

150,000

200,000



Banco Ademi


BANCO COMPARTAMOS (Mexico)

52,7

73

62,8

81

74,3

57

83,0

96

90,2

59

$898

$1,314

$1,780

$2,610 $2,884

$-

$500

$1,000

$1,500

$2,000

$2,500

$3,000

$3,500

0

10,000

20,000

30,000

40,000

50,000

60,000

70,000

80,000

90,000

100,000Sep 12 Dec 12 Mar 13 June 13 Sep 13


Banco Compartamos


BANDELTA (Panama)

7,88

9

7,37

3

7,57

1

7,05

9

7,55

5

7,65

1

7,68

5

7,76

1

7,82

0

7,85

2

8,01

9

8,10

2

7,42

6

$125,223

$104,420

$128,917 $131,461 $133,295 $133,581 $137,696 $140,245 $142,165 $144,321 $143,462 $143,907 $144,392

$-

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

6,400

6,600

6,800

7,000

7,200

7,400

7,600

7,800

8,000



17.3% 0.2%

0.9% 0.0%

0.7%

1.0%

65.4%

12.69%

1.86% Composición de Saldos de Captaciones


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)

97,3

87

99,7

35

102,

177

103,

751

104,

780

105,

913

107,

973

109,

947

112,

415

114,

715

116,

797

119,

008

121,

335

$160,188 $164,628 $173,440

$183,391 $174,185

$120,747 $124,405 $130,140 $135,900

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

$175,653

$-

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

$200,000

0

20,000

40,000

60,000

80,000

100,000

120,000



6.4%

29.2%

2.9%

13.0% 0.0% 0.0%

0.0%

39.3%

9.2% 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%

73%

0.04%

0.04%

0.00% 0.00%

0.00%

0.04%

0.00%


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


BANCO PICHINCHA (Ecuador)

348,

568

353,

272

357,

910

361,

839

361,

839

361,

839

267,

392

331,

286

558,

786

560,

854

565,

596

$164,367 $155,548 $154,421 $172,364 $172,364 $172,364

$111,099

$177,076

$296,618 $302,808

$330,305

$-

$50,000

$100,000

$150,000

$200,000

$250,000

$300,000

$350,000

0

100,000

200,000

300,000

400,000

500,000

600,000Sep 12 Oct 12 Nov 12 Dec 12 Jan 13 Feb 13 Mar 13 June 13 July 13 Aug 13 Sep 13


97%

3% 0.1% 0.1%

0.0% 0.1%

0.0%

0%


Savers Composition




> 360 days Bonds

Others (convertible bonds)

Banco Pichincha


BANCO POPULAR (Honduras))

32,1

87

32,9

00

33,3

36

33,7

47

34,3

44

34,7

64

35,1

23

35,4

49

35,8

98

36,4

95

36,9

52

37,5

06

37,8

57

$19,324

$19,706 $19,695 $19,653 $19,849

$20,057

$21,187 $21,195

$20,685 $20,941

$21,158 $21,464

$20,981

$18,000

$18,500

$19,000

$19,500

$20,000

$20,500

$21,000

$21,500

$22,000

29,000

30,000

31,000

32,000

33,000

34,000

35,000

36,000

37,000

38,000



25.0%

2.7%

0.00% 1.88%

0.00%

27.28%

43.1%

0.1%

0.0% 0.0%


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


93.7%

1.7%

0.01%

0.35%

0.01%

1.08% 3.10%

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


Banco Popular


BANCO SOLIDARIO (Ecuador)

44,0

14

44,4

97

44,6

79

44,9

01

45,0

63

44,8

70

45,1

36

76,5

53

76,8

29

76,7

65

88,8

93

89,5

45

90,1

48

$203,536 $205,029 $208,824 $216,933 $230,052 $225,888 $222,613

$489,061 $482,528 $463,503 $462,326 $456,213 $455,320

$-

$100,000

$200,000

$300,000

$400,000

$500,000

$600,000

0

10,000

20,000

30,000

40,000

50,000

60,000

70,000

80,000

90,000



12%

4%

20%

21%

19%

15%

9% 0% 0%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


91%

1% 0% 0%

1%

5%

2%

0%


Savers Composition

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)

531,

423

536,

096

542,

106

547,

222

553,

711

561,

092

565,

962

572,

567

578,

587

584,

888

591,

922

598,

713

606,

467

$661,184 $680,671 $622,488

$698,347 $698,090 $709,271 $739,214 $761,430 $761,459 $767,440 $789,135 $785,659 $802,239

$-

$100,000

$200,000

$300,000

$400,000

$500,000

$600,000

$700,000

$800,000

$900,000

480,000

500,000

520,000

540,000

560,000

580,000

600,000



27%

0% 1%

0%

0% 2%

59%

2% 9%





> 360 days Bonds


BancoSol


EAMF (Cameroon)

23,1

90

23,7

86

24,4

76

25,0

61

25,7

53

26,7

26

27,1

90

28,1

36

29,0

41

29,9

69

30,7

89

31,7

31

32,7

30

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

$4,905 $4,867 $5,012 $5,110 $5,306 $5,514 $5,788 $5,646

$6,082

$-

$1,000

$2,000

$3,000

$4,000

$5,000

$6,000

$7,000

0

5,000

10,000

15,000

20,000

25,000

30,000



88%

7%

0% 0%

5% 0% 0% 0%

0% Composición de Saldos de Captaciones





> 360 days Bonds


EAMF


EB-ACCION (EASL) (Ghana))

81,2

47

81,2

47

81,9

12

82,4

66

83,0

18

83,7

01

85,3

59

85,5

15

86,7

81

87,4

01

87,8

55

88,5

03

90,8

61

$7,517 $7,881

$8,226

$9,089 $8,723 $8,928

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

$8,008

$-

$1,000

$2,000

$3,000

$4,000

$5,000

$6,000

$7,000

$8,000

$9,000

$10,000

76,000

78,000

80,000

82,000

84,000

86,000

88,000

90,000



73%

15%

0%

3% 7% 2% 0% 0%

0% Composición de Saldos de Captaciones





> 360 days Bonds


EB-ACCION


FINAMERICA (Colombia)

192,

429

198,

320

203,

457

207,

878

212,

392

217,

070

220,

843

226,

204

231,

464

236,

374

241,

520

246,

098

251,

227

$240,418 $240,849

$246,877

$254,243

$258,854

$254,986 $252,244

$254,708 $252,030 $252,766

$256,619

$250,821

$254,293

$230,000

$235,000

$240,000

$245,000

$250,000

$255,000

$260,000

$265,000

0

50,000

100,000

150,000

200,000

250,000



11% 0% 0%

1%

7%

40%

41%

0% 0%


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% 0.0% 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)

31,5

93

31,6

48

32,4

89

33,7

82

34,9

53

37,2

63

38,0

35

37,9

33

39,5

44

41,6

07

42,5

34

44,3

28

46,2

58

$87,678 $88,796 $97,246

$104,806 $108,766 $114,918 $115,412 $114,283 $110,233 $108,613 $109,801 $112,375 $114,770

$-

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

0

5,000

10,000

15,000

20,000

25,000

30,000

35,000

40,000

45,000



19% 0%

0% 2%

1%

11%

67%

0% 0%





Bonds




FINSOL (Honduras)34

,199

34,4

51

34,8

02

35,0

37

35,3

26

35,7

17

36,0

04

36,2

44

36,6

42

37,1

38

37,3

42

37,5

68

37,8

90

$15,834

$15,491

$15,727

$15,515 $15,675

$15,769

$15,552 $15,713

$16,355 $16,347 $16,542

$16,688 $16,844

$14,500

$15,000

$15,500

$16,000

$16,500

$17,000

32,000

33,000

34,000

35,000

36,000

37,000

38,000



Finsol


MIBANCO (Peru)

284,

582

342,

541

337,

445

351,

519

384,

983

$999,583

$1,308,038 $1,378,306

$1,298,350 $1,359,356

$-

$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

450,000Sep 12 Dec 12 Mar 13 June 13 Sep 13


Mibanco

Documents

Reporte Captaciones 0913