Your SlideShare is downloading. ×
LAC Regional Snapshot
Upcoming SlideShare
Loading in...5
×

Thanks for flagging this SlideShare!

Oops! An error has occurred.

×
Saving this for later? Get the SlideShare app to save on your phone or tablet. Read anywhere, anytime – even offline.
Text the download link to your phone
Standard text messaging rates apply

LAC Regional Snapshot

340

Published on

Published in: Business, Technology
0 Comments
0 Likes
Statistics
Notes
  • Be the first to comment

  • Be the first to like this

No Downloads
Views
Total Views
340
On Slideshare
0
From Embeds
0
Number of Embeds
1
Actions
Shares
0
Downloads
6
Comments
0
Likes
0
Embeds 0
No embeds

Report content
Flagged as inappropriate Flag as inappropriate
Flag as inappropriate

Select your reason for flagging this presentation as inappropriate.

Cancel
No notes for slide

Transcript

  • 1. Microfinance Information Exchange Panorama 2011 de América Latina y el Caribe December 2011 The Premier Source for Microfinance Data and AnalysisThis presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
  • 2. América Latina y El Caribe en resumen Prestatarios por Subregión LAC is divided into three clearly differentiated sub-regions: 2. Central 1. South America and America the Caribbean América del Sur Centroamérica y El Caribe México 3. Mexicowww.mixmarket.org/es/profiles-reports/crossmarket-analysis-report?rid=NJMQaVef IMFs por Edad • At the end of 2010, more than half (58%) of the borrowers in the region 200 were concentrated in South America. 160 120 • The market in the region is 80 developed, the MFIs with more than 8 40 years in the market (Mature) 0 represented 86% of the total of América del Sur Centroamérica y El Caribe México participants. Especially in South Nueva Joven Madura America (53% out of the total in 2010). 2This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
  • 3. América Latina y El Caribe en resumen LAC: IMF Participantes por Regulación LAC: Alcance de IMF participantes Miles IMF 16,000 500 14,000 400 12,000 10,000 300 8,000 200 6,000 4,000 100 2,000 0 0 América del Sur Centroamérica y México LAC América del Sur Centroamérica y México LAC El Caribe El Caribe Total IMF IMF Reguladas Total IMF IMF Reguladas www.mixmarket.org/es/profiles-reports/crossmarket-analysis-report?rid=taVYENe6 The trend toward regulation is not yet strong in Mexico and Central America. 79% of the regulated IMF were South American (which represented 27% of the total IMF participants). How has the micro-financial industry evolved in the region? www.mixmarket.org/es/profiles-reports/crossmarket-analysis-report?rid=LSnvWEqb 3This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
  • 4. 1. • Credits 2. • Deposits 3. • Special Cases 4This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
  • 5. ¿Los mercados urbanos están saturados en la región? Población LAC Distribución Urbano / Rural por país 100% 80% 20% 60% 40% 11% 20% 69% 0% América del Sur Centroamérica y El Caribe México Urbano Rural http://data.worldbank.org/country Central America and the Caribbean is the sub-region that has the highest incidence of rural population: Honduras (51.2%), Guatemala (50.5%) and Haiti (50.0%). In South America, the country with the largest population in rural areas was Paraguay (38.5%). 5This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
  • 6. ¿Los mercados urbanos están saturados en la región? America accelerated progress in placements particularly in rural areas (89.0%) between 2008 to 2010 in search of new markets. The growth scale in Central America and the Caribbean was justified in rural areas (18.5%), the urban portfolio has not yet recovered levels reached in 2008. 6This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
  • 7. ¿Dónde se concentró la oferta crediticia? Tendencias por Tipo de Crédito 100% 80% 60% 40% 20% 0% 2008 2009 2010 2008 2009 2010 2008 2009 2010 2008 2009 2010 2008 2009 2010 2008 2009 2010 2008 2009 2010 2008 2009 2010 No-Minoristas MIC CNS VIV No-Minoristas MIC CNS VIV CC MEX SA • LAC: Micro-enterprise credit remained the most dynamic in 2010. • Central America (81.1%) and South America (74.6%) were intensive in financing for productive purposes (Micro-enterprise and Commercial). 7This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
  • 8. ¿Cuál fue el tamaño del crédito ofrecido? Saldo de Crédito por Productos minoristas South America presented 12,000 higher than average 10,000 regional credit balances in 8,000 retail products. 6,000 Housing credits in Mexico 4,000 and Central America 2,000 focused on financing 0 housing improvements, the 2008 2009 2010 2008 2009 2010 2008 2009 2010 opposite of South MIC CC MEX CNS SA LAC VIV America, where the IMF offered more products for the acquisition of houses. Saldo de Créditos no minoristas 80,000 70,000 The advance in the scale of 60,000 commercial loans (25. 6% in 2010) in Mexico was based 50,000 40,000 30,000 on high average balances 20,000 10,000 maintained (USD 76 0 thousand versus USD 30 2008 CC MEX 2009 SA LAC 2010 thousand in LAC). 8This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
  • 9. ¿Se redujo la morosidad en las colocaciones? Cartera en riesgo > 30 días (mediana) Cartera en riesgo > 30 días (Promedio Ponderado) 25% 25% 20% 20% 15% 15% 10% 10% 5% 5% 0% 0% PAN PER MEX ECU SLV BRA PRY HND NIC COL DOM BOL GTM HTI ARG CRI PAN MEX PER SLV HND NIC BRA COL PRY DOM HTI BOL ECU ARG GTM CRI CC MEX SA CC MEX SA 2008 2009 2010 2008 2009 2010 www.mixmarket.org/profiles-reports/crossmarket-analysis-report?rid=JGQm8W7W www.mixmarket.org/profiles-reports/crossmarket-analysis-report?rid=FLkEcPfv SA: Prudential regulation and self-regulation standards in most countries contributed to the presentation of risk indicators on similar levels. CC: The IMF resorted to penalties and to the refinancing of loans, which maintained high risk portfolio indicators. MEX: Improved indicators of portfolio at risk in 2010. However, about 10% is still retained for the group of intensive IMF in sample consumption. 9This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
  • 10. Riesgo de cartera trimestral en 2011 Country IMF GLP participation Bolivia 23 100% Based on quarterly data from a Colombia 5 72.4% representative sample by the IMF Ecuador 9 61.2% of 5 countries in the region. Mexico 20 65.2% Peru 37 88.2% Cartera y Riesgo de Crédito USD Millones PAR 8,000 8% 7,000 7% 6,000 6% 5,000 5% 4,000 4% 3,000 3% 2,000 2% 1,000 1% 0 0% BOL GLP COL GLP ECU GLP MEX GLP PER GLP BOL PAR 30 COL PAR 30 ECU PAR 30 MEX PAR 30 PER PAR 30 10This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
  • 11. Endeudamiento Cruzado en 2010 Indicator Ecuador Peru IMF Number 38 25 Participation Borrowers Country (%) 88.5% 54.7% Total of reported loans 737,756 2,096,969 Total Borrowers declared 650,572 1,818,831 Loans per Borrower 1.1 1.2 Borrowers adjusted per cross-indebtedness 466,753 1,207,326 Loans per adjusted borrower by cross- 1.58 1.74 indebtedness Shared borrowers (%) 45.3% 55.7% It was not possible to determine a direct correlation between portfolio risk indicators and those of crossed debt. The participation of NGOs and non- regulated COAC in the Ecuador sample, which function in rural zones with limited competitors, allowed for a smaller percentage of shared borrowers. In the case of Peru, the largest indicator of Shared Borrowers was reflected in the intense competition in the countrys major cities, among the regulated IMF (Mibanco, CMACs and Financial especially) figures in the sample. 11This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
  • 12. 1. • Credits 2. • Deposits 3. • Special Cases 12This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
  • 13. ¿Hacia dónde se enfocaron las captaciones de depósitos? The savings of small depositors constitute the main origin (85%) of deposits received in the region. Depósitos totales 2010 Depósitos voluntarios minoristas 15% Depósitos Minoristas 48% Depósitos a Plazo Depósitos 52% Institucionales Depósitos a la Vista 85% The savings solutions of the commercial bank seem unknown or unattractive compared to IMFs long-term deposits. 13This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
  • 14. ¿Hacia dónde se enfocaron las captaciones de depósitos? South America (that concentrates 95.6% of the deposits in the region) reaffirmed the tendency to concentrate the receipt of deposits in small savers (atomization). 12,000 Sudamérica 10,000 8,000 Millones USD 6,000 4,000 2,000 0 2008 2009 2010 Depósitos Minoristas Depósitos Institucionales 14This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
  • 15. ¿Hacia dónde se enfocaron las captaciones de depósitos? 120 México 100 Millones USD 80 60 40 The same tendency as 20 South America was also 0 presented in Central 2008 2009 2010 America and the Depósitos Minoristas Depósitos Institucionales Caribbean, where the small deposits grew more than Centroamérica y el Caribe USD 150 million in two 500 450 years. Millones USD 400 350 300 250 200 150 100 50 0 2008 2009 2010 Depósitos Minoristas Depósitos Institucionales 15This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
  • 16. 1. • Credits 2. • Deposits 3. • Special Cases 16This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
  • 17. Nicaragua: El reto de la recuperación 20% The indicators affected by the "No 15% Payment" movement reached their 10% most critical level during the years 5% 2009 and 2010, after the withdrawal of the international financing for IMF 0% operations and the beginning of the 2006 2007 2008 2009 2010 international crisis. Cartera en Riesgo > 30 días Ratio de Préstamos Castigados 400,000 400 300 350,000 350 300,000 300 250 250,000 250 200 Millones USD 200,000 200 Millones USD 150,000 150 150 100,000 100 100 50,000 50 50 0 0 0 2006 2007 2008 2009 2010 2006 2007 2008 2009 2010 Nº de Prestatarios Activos Adeudos (USD) Cartera Bruta de Crédito (USD) 17This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
  • 18. México: Un mercado heterogéneo Número de Prestatarios a Diciembre 2010 Cartera por Forma Legal local 1.6% 900 10.3% Millions 800 6.6% 700 42.0% 600 9.4% 500 400 300 200 30.0% 100 0 CompartamosBanco Financiera Independencia AC (5) Banco (1) SOFIPO (5) SOFOM (19) Otros (5) Entre 250,000 y 100, 000 (3 IMF) Entre 100,000 y 50,000 (5 IMF) 2008 2009 2010 Entre 50,000 y 10,000 (20 IMF) Menos de 10,000 (19 IMF)www.mixmarket.org/es/profiles-reports/crossmarket-analysis-report?rid=wFYBPWZC www.mixmarket.org/es/profiles-reports/crossmarket-analysis-report?rid=R6ZEcQfh It is the home of the IMF with the largest scope in the whole region (Share Bank and Independence Financial with the focus on financing the Microenterprise and Consumption, respectively). The SOFOM are non-regulated institutions, the legal form most applied by the IMF, their high accumulated portfolio is mainly based on the placements of Independence Financial (60.4% to December 2010). 18This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
  • 19. México: Reduciendo el riesgo Cartera y Cartera en Riesgo > 30 días USD Millones PAR 1,500 5% Based on a sample of 13 IMF with 1,200 4% quarterly information in 2010 and 2011 (represented 57.6% of the 900 3% total accumulated portfolio to 600 2% December 2010). 300 1% 0 0% The increase of placed balances in the first semester of 2011 (24.8%) already surpassed the similar Cartera PAR 30 días (mediana) semester in 2010 (14.3%). Cartera en Riesgo > 30 días (mediana) For the first time the national 8% median was under the 3% because 7% of the improvement in the 6% 5% indicators of the SOFOMES. The 4% group of Regulated Financial 3% Societies (SOFIPOs as per its initials 2% in Spanish) proved some difficulties 1% to reduce the NPLs, kept at similar 0% levels since September 2010. AC (3) Banco (1) SOFIPO (3) SOFOM (5) MEX 19This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
  • 20. MIX Global and Project PartnersMIX partners with a dedicated group of industry leaders: 20This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
  • 21. Microfinance Information Exchange Headquarters: 1901 Pennsylvania Ave., NW, Suite 307 Washington, D.C. 20006 USA Visit us on the Web: www.themix.org www.mixmarket.org Regional Offices: Baku, Azerbaijan Contact us: info@themix.org 44 J. Jabbarli st. Caspian Plaza I, 5th Floor, Baku, Azerbaijan Interested in learning more about MIX? Lima, Peru Sign up to receive our free e-mail Jirón León Velarde 333 Lince, Lima 14, Perú newsletters! Rabat, Morocco Immeuble CDG Place Moulay Hassan BP 408 Rabat Morocco Find us on Facebook Follow us on Twitter: @mix_market Hyderabad, India Road #12, Landmark Building, 5th Floor, Banjara Hills, Hyderabad 500034, India 21This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.

×