Presentacin indicadoresdic2010

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Presentacin indicadoresdic2010

  1. 1. INDICADORES ASOMI A DICIEMBRE 2010
  2. 2. DATOS DE CARTERA DE CLIENTES Instituciones Sede Agencias Clientes Cartera (miles US$)ACCOVI de R.L San Salvador 10 7,719 7.74% 50,526.6 31.20%AMC de R.L. San Miguel 18 13,811 13.85% 16,364.2 10.11%SAC INTEGRAL, S.A. San Salvador 25 50,224 50.36% 74,479.0 46.00%ASOCIACION BALSAMO San Salvador 3 1,282 1.29% 355.0 0.22%ASEI San Salvador 4 6,119 6.14% 1,056.1 0.65%FADEMYPE San Salvador 2 1,590 1.59% 1,221.1 0.75%Finca El Salvador San Salvador 10 4,330 4.34% 2,306.2 1.42%FUNDACION CAMPO San Miguel 4 7,538 7.56% 8,811.7 5.44%FUNSALDE San Salvador 2 2,595 2.60% 1,536.4 0.95%MICRONEGOCIOS San Salvador 4 1,070 1.07% 1,614.8 1.00%PADECOMSMCREDITO Morazán 6 3,449 3.46% 3,656.1 2.26%TOTAL 88 99,727 100% 161,927.2 100%
  3. 3. CLIENTES POR INSTITUCION PADECOMSMCREDITO 3% MICRONEGOCIOS 1% FUNSALDE 3% FUNDACION CAMPO 8% ACCOVI de R.L 8% Finca El Salvador 4% AMC de R.L. 14% FADEMYPE 2% ASEI 6%ASOCIACION BALSAMO 1% SAC INTEGRAL, S.A. 50%
  4. 4. PADECOMSMCREDITO 2% CARTERA POR INSTITUCION MICRONEGOCIOS 1% FUNSALDE 1% FUNDACION CAMPO 5% Finca El Salvador 1% FADEMYPE 1% ASEI 1%ASOCIACION BALSAMO 0% ACCOVI de R.L 31% SAC INTEGRAL, S.A. AMC de R.L. 10% 47%
  5. 5. CARTERA POR DEPARTAMENTO ACCOVI de AMC de SAC ASOCIACION Finca El FUNDACIONDepartamento ASEI FADEMYPE FUNSALDE MICRONEGOCIOS PADECOMSMCREDITO TOTAL % R.L. R.L. INTEGRAL BALSAMO Salvador CAMPOAhuachapán 150.30 6,154.1 0.47 501.3 0.19 6,806.39 4.2%Cabañas 4,461.4 1,657.9 1,188.0 0.4 0.6 7,308.27 4.5%Chalatenango 513.9 3,674.1 9.3 165.3 48.4 3.7 4,414.70 2.7%Cuscatlán 4,941.5 412.8 1,565.6 2.0 234.3 35.9 2.3 7.2 1.7 7,203.33 4.4%La Libertad 4,789.5 269.8 10,612.5 11.1 59.6 2.9 119.5 100.3 15,965.16 9.9%La Paz 10,559.1 1,511.3 3,869.6 8.4 771.3 389.9 9.1 11.0 4.2 17,133.92 10.6%La Unión 1,792.3 5,071.2 920.4 58.2 7,842.12 4.8%Morazán 1,728.3 1,470.8 2,872.4 32.0 1,976.8 8,080.38 5.0%Santa Ana 1,174.9 5,005.5 153.7 33.7 305.0 47.0 243.8 6,963.57 4.3%San Salvador 8,204.1 139.5 21,089.6 205.5 526.9 296.3 958.3 107.0 148.4 966.8 32,642.30 20.2%San Miguel 3,820.1 4,159.9 141.2 305.9 2,171.6 124.6 282.1 1,067.8 12,073.08 7.5%San Vicente 17,571.1 941.4 1,818.2 41.2 9.4 4.91 30.9 20,417.09 12.6%Sonsonate 780.0 3,601.5 86.3 171.9 - 360.2 3.8 5,003.68 3.1%Usulután 1,471.9 5,198.3 4.8 7.7 2,723.0 47.7 8.3 611.5 10,073.26 6.2%Total 50,526.6 16,364.2 74,479.0 355.0 1,056.1 1,221.1 2,306.2 8,811.7 1,536.4 1,614.8 3,656.1 161,927.2 100%
  6. 6. CARTERA POR DEPARTAMENTO Chalatenango Usulután Ahuachapán 3% Sonsonate Cabañas 6% 4% 3% 5% Cuscatlán San Vicente 4% 13% La Libertad 10%San Miguel 7% La Paz 11% San Salvador La Unión 20% Morazán 5% Santa Ana 5% 4%
  7. 7. CARTERA POR ACTIVIDAD ECONOMICA Agropecuaria Instituciones Comercio Servicios Peq Ind Consumo Vivienda Otros TOTAL y ForestalACCOVI de R.L 4,448.4 2,128.6 26,663.5 17,286.2 50,526.6AMC de R.L. 2,579.4 6,937.3 2,954.4 658.0 189.0 3,046.2 16,364.2SAC INTEGRAL, S.A. 9,926.2 33,793.2 8,617.4 3,442.2 990.1 17,709.7 74,479.0ASOCIACION BALSAMO 30.8 280.8 31.8 3.9 7.7 355.0ASEI 1,045.0 11.2 1,056.1FADEMYPE 12.2 1,183.5 11.0 14.3 1,221.1Finca El Salvador 2,226.4 63.7 16.0 2,306.2FUNDACION CAMPO 3,408.6 1,188.9 1,048.6 98.2 755.6 2,202.2 109.7 8,811.7FUNSALDE 246.9 881.3 91.7 159.4 157.0 1,536.4MICRONEGOCIOS 78.9 868.7 555.8 72.1 39.3 1,614.8PADECOMSMCREDITO 370.2 1,619.7 842.1 98.2 725.8 3,656.1 Total 16,653.3 54,473.3 14,152.9 6,738.7 28,653.5 41,145.8 109.7 161,927.2 Porcentajes 10.3% 33.6% 8.7% 4.2% 17.7% 25.4% 0.1% 100.0%
  8. 8. CARTERA POR ACTIVIDAD ECONOMICA Otros 0.1% Vivienda 25.4% Consumo 17.7% Peq Ind 4.2% Servicios 8.7% Comercio 33.6%Agropecuaria y Forestal 10.3% 0.0% 5.0% 10.0% 15.0% 20.0% 25.0% 30.0% 35.0%
  9. 9. CLIENTES POR METODOLOGIA CREDITICIA Grupo Banco Instituciones Individual TOTAL Solidario ComunalACCOVI de R.L 0AMC de R.L. 13,811 13,811SAC INTEGRAL, S.A. 50,100 124 50,224ASOCIACION BALSAMO 1,269 13 1,282ASEI 115 6,004 6,119FADEMYPE 557 1,033 1,590Finca El Salvador 2,859 1,471 4,330FUNDACION CAMPO 7,538 7,538FUNSALDE 1,907 599 89 2,595MICRONEGOCIOS 1,070 1,070PADECOMSMCREDITO 3,449 3,449 Total 82,675 1,769 7,564 92,008 Porcentajes 89.9% 1.9% 8.2% 100.0%
  10. 10. CLIENTES POR METODOLOGIA CREDITICIA 89.9%90.0%80.0%70.0%60.0%50.0%40.0%30.0% 8.2%20.0% 1.9%10.0%0.0% Individual Grupo Solidario Banco Comunal
  11. 11. CARTERA POR METODOLOGIA CREDITICIA Grupo Banco Instituciones Individual TOTAL Solidario ComunalACCOVI de R.L 0AMC de R.L. 16,364,195 16,364,195SAC INTEGRAL, S.A. 74,423,510 55,453 74,478,963ASOCIACION BALSAMO 354,013 954 354,967ASEI 189,301 866,846 1,056,147FADEMYPE 1,100,538 120,538 1,221,076Finca El Salvador 1,779,987 526,208 2,306,194FUNDACION CAMPO 8,811,743 8,811,743FUNSALDE 1,394,878 120,046 21,450 1,536,374MICRONEGOCIOS 1,614,807 1,614,807PADECOMSMCREDITO 3,656,131 3,656,131 Total 109,689,103 296,991 1,414,503 111,400,597 Porcentajes 98.5% 0.3% 1.3% 100.0%
  12. 12. CARTERA POR METODOLOGIA CREDITICIA 98.5%100.0% 90.0% 80.0% 70.0% 60.0% 50.0% 40.0% 30.0% 20.0% 0.3% 1.3% 10.0% 0.0% Individual Grupo Solidario Banco Comunal
  13. 13. DATOS GENERALES ACCOVI AMC de SAC ASOCIACION Finca El FUNDACION CONCEPTO ASEI FADEMYPE FUNSALDE MICRONEGOCIOS PADECOMSMCREDITO SUMA / Promedio de R.L R.L. INTEGRAL BALSAMO Salvador CAMPOI, INFORMACION GENERALNúmero de Oficiales de Crédito 26 68 185 6 25 15 54 18 15 9 16 437Oficiales de crédito al total de empleados 17.6% 43.9% 46.1% 28.6% 51.0% 68.2% 42.5% 40.9% 40.5% 31.0% 34.8% 40.5%II. INDICADORES DE GENEROClientas mujeres / Clientes totales 58.0% 55.9% 60.0% 61.0% 85.0% 69.0% 79.0% 39.0% 64.0% 73.9% 54.0% 60.2%Cartera Mujeres / Cartera total 46.0% 45.5% 50.0% 64.0% 85.0% 48.0% 67.0% 39.8% 59.0% 74.5% 45.0% 48.5%III. PARTICIPACION RURALCartera Rural / Cartera total 65% 55% 47% 33% 0.2% 25.0% 57% 70% 38% 52%Clientes Rurales / Clientes totales 84% 68% 51% 67% 0.2% 25.0% 60% 77% 38% 51%IV. INDICADORES DE ESCALAPréstamo Promedio por Cliente (En US$) 6,546 1,185 1,483 277 173 768 533 1,169 592 1,509 1,060 1,624Número de Clientes por Oficial de Crédito 297 203 271 214 245 106 80 419 173 119 216 228Cartera por Oficial de Crédito (En US$) 1,943,332 240,650 402,589 59,161 42,246 81,405 42,707 489,541 102,425 179,423 228,508 370,543V. INDICADORES DE DESEMPEÑO FINANCIEROCartera de préstamos / total de activos 69.5% 72.5% 82.9% 65.4% 65.6% 63.3% 78.0% 84.2% 78.9% 69.5% 70.0% 72.7%Gasto por cliente 470.5 219.8 232.9 100.6 88.8 181.1 228.1 171.5 56.1 467.6 216.3 221.2Cartera en riesgo mayor a 30 días 9.2% 5.6% 4.1% 12.1% 7.5% 9.7% 4.0% 2.5% 3.4% 6.7% 4.8% 6.3%Patrimonio/activo total 13.7% 22.3% 13.8% 67.6% 88.0% 58.2% 33.0% 35.6% 59.9% 58.2% 20.4% 42.8%Gastos operacionales / cartera bruta 8.0% 18.7% 15.3% 32.2% 55.4% 27.2% 43.0% 21.7% 9.4% 33.8% 20.4% 25.9%

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