Cuadro Nº 1 SITUACIÓN PATRIMONIAL INSTITUCIONES FINANCIERAS DE DESARROLLO 31 de marzo de 2016 (En Bolivianos)

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1 Cuadro Nº 1 SITUACIÓN PATRIMONIAL (En Bolivianos) CRECER PRO MUJER DIACONIA EMPRENDER IDEPRO IMPRO SARTAWI CIDRE FONDECO FUBODE TOTAL ACTIVO DISPONIBILIDADES 25,208,921 33,662,769 45,714,810 1,625,278 17,309,563 1,370,458 16,213,521 26,098,682 3,550,423 17,669, ,424,410 INVERSIONES TEMPORARIAS 25,754,621 4,837,466 25,511, , , ,308 25,002 72,451 1,144,065 39,287 59,854,275 PORTAFOLIO DE NEGOCIOS PORTAFOLIO DE INVERSIONES EN CURSO PORTAFOLIO DE INVERSIONES PENDIENTES DE COBRO PORTAFOLIO DE INVERSIONES EN EJECUCION CARTERA 1,293,197, ,526, ,369,397 47,435, ,193,170 24,674, ,909, ,097, ,782, ,511,419 4,163,697,599 CARTERA BRUTA 1,325,846, ,143, ,425,796 50,905, ,583,319 25,974, ,849, ,367, ,552, ,803,217 4,297,451,625 CARTERA VIGENTE 1,307,058, ,861, ,251,409 47,633, ,951,964 24,088, ,589, ,864, ,360, ,803,920 4,171,463,322 CARTERA VENCIDA 9,105,062 6,596,288 7,244,304 2,451,299 6,806, ,376 7,091,512 6,893,208 6,866,579 3,139,977 57,061,753 CARTERA EN EJECUCIÓN 6,277, ,376 6,091, ,400 4,164,534-1,756,449 4,312,215 2,341,356 1,810,903 27,608,597 CARTERA REPROGRAMADA O REESTRUCTURADA VIGENTE 2,842, , ,023 5,914, ,829 5,247,021 11,641,463 6,405,428 48,417 34,235,199 CARTERA REPROGRAMADA O REESTRUCTURADA VENCIDA 285, ,671 19, , , ,565 1,301, ,212-4,202,367 CARTERA REPROGRAMADA O REESTRUCTURARADA EN EJECUCIÓN 277,359-22,979 16, , ,166 1,355, ,880,387 PRODUCTOS DEVENGADOS POR COBRAR CARTERA 18,900,204 6,746,882 9,057, ,791 6,342, ,805 10,876,386 12,366,408 5,872,199 3,661,375 74,920,910 PREVISIÓN PARA CARTERA INCOBRABLE -51,549,758-17,364,158-60,113,919-4,385,981-12,732,488-1,482,016-8,815,501-24,636,380-15,641,563-11,953, ,674,936 OTRAS CUENTAS POR COBRAR 9,956,347 4,028,992 6,123,117 2,115,260 1,258, ,505 1,889,361 6,533,169 1,190, ,177 34,270,720 BIENES REALIZABLES 9 132, , , , , ,696 INVERSIONES PERMANENTES 12,708, , , ,390 3,202,640 10,976 52,233 78, , ,033 17,933,086 BIENES DE USO 30,462,179 9,745,040 28,942,283 3,504,070 6,208,402 1,256,527 8,890,471 9,107,365 6,546,107 3,794, ,456,709 OTROS ACTIVOS 7,704, ,533 6,021, ,073 1,060,899 96,338 1,232,048 3,251, , ,995 21,430,114 TOTAL DEL ACTIVO 1,404,992, ,014, ,487,145 55,974, ,334,466 28,631, ,212, ,350, ,350, ,462,162 4,594,810,609 PASIVO OBLIGACIONES CON EL PÚBLICO , , ,297 OBLIGACIONES CON INSTITUCIONES FISCALES OBLIGACIONES CON BANCOS Y ENTIDADES DE FINANCIAMIENTO 1,075,662, ,028, ,178,975 44,073, ,361,326 22,687, ,284, ,170, ,098, ,064,512 3,399,611,262 OTRAS CUENTAS POR PAGAR 53,717,497 25,600,345 22,416,554 1,674,733 5,374, ,961 10,436,790 12,683,204 3,866,029 5,862, ,384,599 PREVISIONES 25,922,889 7,233,484 8,810, ,379 5, ,379,713 44,776,513 TÍTULOS DE DEUDA EN CIRCULACIÓN ,584, ,584,240 OBLIGACIONES SUBORDINADAS ,748,710 11,859,643-12,951,529 17,612,955 2,737,606-46,910,444 TOTAL DEL PASIVO 1,155,303, ,862, ,454,214 47,497, ,595,886 23,863, ,678, ,050, ,759, ,306,794 3,641,372,355 PATRIMONIO CAPITAL SOCIAL 232,821,945 61,335, ,792,448-33,523,627 3,192,349 25,578,043 18,645,729 23,471,904 41,190, ,552,358 APORTES NO CAPITALIZADOS ,561 1,394, ,645 15,060,271 9,475,666 1,035,584-27,251,727 AJUSTES AL PATRIMONIO RESERVAS 7,780,483 26,694,335 21,838,486 8,202,481 19,284,186 2,030, ,929 34,262,831 4,946,774 3,746, ,041,166 RESULTADOS ACUMULADOS 9,086,673 10,122,043 5,401, , , ,805-8,357, ,608-4,863,681 3,217,715 15,593,003 TOTAL DEL PATRIMONIO 249,689,102 98,151, ,032,931 8,477,398 54,738,581 4,767,888 32,534,573 63,299,834 24,590,582 48,155, ,438,254 TOTAL DEL PASIVO Y PATRIMONIO 1,404,992, ,014, ,487,145 55,974, ,334,466 28,631, ,212, ,350, ,350, ,462,162 4,594,810,609

2 CUADRO Nº 2 GANANCIAS Y PÉRDIDAS (En Bolivianos) CRECER PRO MUJER DIACONIA EMPRENDER IDEPRO IMPRO SARTAWI CIDRE FONDECO FUBODE TOTAL INGRESOS FINANCIEROS 85,617,176 41,204,390 41,811,036 4,266,313 16,838,443 1,221,144 16,662,787 24,157,655 8,037,442 15,027, ,843,832 GASTOS FINANCIEROS -17,734,854-7,523,734-7,799, ,051-5,184, ,402-6,330,891-7,082,234-2,649,385-3,656,968-59,265,546 RESULTADO FINACIERO BRUTO 67,882,322 33,680,656 34,011,884 3,320,263 11,653, ,742 10,331,896 17,075,421 5,388,057 11,370, ,578,286 OTROS INGRESOS OPERATIVOS 880, , ,584 1,441,025 1,290, , ,444 2,939, , ,066 8,902,273 OTROS GASTOS OPERATIVOS -2,211,729-2,688, , , ,215-31, , , , ,547-6,747,701 RESULTADO DE OPERACIÓN BRUTO 66,550,721 31,121,841 34,838,419 4,590,424 12,819,342 1,042,360 10,477,725 19,398,246 5,532,782 11,360, ,732,858 RECUPERACIÓN DE ACTIVOS FINANCIEROS 8,735,422 1,593,524 4,449,797 64,198 5,813,217 23, ,275 27,558,606 1,444,516 7,296,938 57,952,194 CARGOS POR INCOB.Y DESVALORIZACIÓN DE ACTIVOS FINANCIEROS -13,835,543-2,796,393-7,906, ,399-7,974, ,281-2,664,697-30,733,853-6,583,741-8,324,231-82,546,540 RESULTADO DE OPERACIÓN DESPUÉS DE INCOBRABLES 61,450,599 29,918,972 31,381,333 3,717,223 10,658, ,779 8,785,303 16,222, ,557 10,333, ,138,512 GASTOS DE ADMINISTRACIÓN -49,962,021-25,313,599-23,343,525-3,643,948-10,121, ,327-8,648,358-15,044,379-5,250,113-9,613, ,826,463 RESULTADO DE OPERACIÓN NETO 11,488,578 4,605,373 8,037,808 73, , , ,945 1,178,619-4,856, ,939 21,312,049 ABONOS POR DIFERENCIA DE CAMBIO Y MANTENIMIENTO DE VALOR 45, ,342 1, ,184 CARGOS POR DIFERENCIA DE CAMBIO Y MANTENIMIENTO DE VALOR , ,492 RESULTADO DESPUES DE AJUSTE POR DIFERENCIA DE CAMBIO Y MANTENIMIENTO DE VALOR 11,533,662 4,605,405 8,015,060 74, , , ,945 1,178,619-4,856, ,939 21,335,741 INGRESOS EXTRAORDINARIOS 15,527 12,517 10, ,779 GASTOS EXTRAORDINARIOS -490, ,540 RESULTADO NETO DEL EJERCICIO ANTES DE AJUSTES DE GESTIONES ANTERIORES 11,058,649 4,617,922 8,025,794 74, , , ,945 1,178,619-4,856, ,939 20,883,980 INGRESOS DE GESTIONES ANTERIORES 949,351 3,295 75, , ,063,296 GASTOS DE GESTIONES ANTERIORES -226,143-8, , , , ,769-7,125-2, ,402 RESULTADO ANTES DE IMPUESTOS Y AJUSTES CONTABLE POR EFECTO DE INFLACIÓN 11,781,858 4,612,834 7,971,425 74, , ,929 20, ,608-4,863, ,783 21,083,874 ABONOS POR AJUSTE POR INFLACIÓN CARGOS POR AJUSTE POR INFLACIÓN RESULTADO ANTES DE IMPUESTOS 11,781,858 4,612,834 7,971,425 74, , ,929 20, ,608-4,863, ,783 21,083,874 IMPUESTO SOBRE LAS UTILIDADES DE LAS EMPRESAS -2,695, ,569, ,264,612 RESULTADO NETO DE LA GESTIÓN 9,086,674 4,612,834 5,401,997 74, , ,929 20, ,608-4,863, ,783 15,819,262

3 CUADRO Nº 3 INDICADORES FINANCIEROS (En porcentajes) CRECER PRO MUJER DIACONIA EMPRENDER IDEPRO IMPRO SARTAWI CIDRE FONDECO FUBODE TOTAL ESTRUCTURA DE ACTIVOS Disponibilidades/Total Activo 1.79% 6.36% 5.32% 2.90% 4.53% 4.79% 4.56% 4.72% 1.88% 7.47% 4.10% Inversiones Temporarias/Total Activo 1.83% 0.91% 2.97% 1.43% 0.23% 2.71% 0.01% 0.01% 0.60% 0.02% 1.30% Cartera / Total Activo 92.04% 89.89% 86.84% 84.74% 92.12% 86.18% 92.03% 91.82% 92.83% 90.29% 90.62% Otras Cuentas por cobrar / Total Activo 0.71% 0.76% 0.71% 3.78% 0.33% 1.56% 0.53% 1.18% 0.63% 0.31% 0.75% Bienes Realizables / Total Activo 0.00% 0.03% 0.00% 0.01% 0.05% 0.00% 0.00% 0.02% 0.15% 0.00% 0.02% Inversiones Permanentes / Total Activo 0.90% 0.06% 0.09% 0.47% 0.84% 0.04% 0.01% 0.01% 0.16% 0.07% 0.39% Bienes de Uso / Total Activo 2.17% 1.84% 3.37% 6.26% 1.62% 4.39% 2.50% 1.65% 3.46% 1.60% 2.36% Otros Activos / Total Activo 0.55% 0.14% 0.70% 0.41% 0.28% 0.34% 0.35% 0.59% 0.29% 0.23% 0.47% ESTRUCTURA DE PASIVOS Oblig.con Bancos y Ent.Fin./Pasivo+Patrimonio 76.56% 75.24% 53.42% 78.74% 81.18% 79.24% 84.25% 81.71% 83.50% 76.15% 73.99% Obligaciones subordinadas/pasivo+patrimonio 0.00% 0.00% 0.00% 3.12% 3.10% 0.00% 3.65% 3.18% 1.45% 0.00% 1.02% CALIDAD DE CARTERA Cartera Vigente / Cartera Bruta 98.80% 98.50% 98.31% 94.78% 96.45% 95.84% 96.92% 97.34% 94.73% 97.77% 97.86% Cartera reprogramada o reestructurada / Cartera Bruta 0.26% 0.00% 0.11% 1.28% 2.14% 3.92% 1.97% 2.75% 3.76% 0.02% 0.96% Cartera Vencida / Cartera Bruta 0.71% 1.36% 0.92% 4.85% 2.12% 4.16% 2.46% 1.57% 4.01% 1.42% 1.43% Cartera en Ejecución / Cartera Bruta 0.49% 0.14% 0.77% 0.36% 1.43% 0.00% 0.62% 1.09% 1.26% 0.82% 0.71% Cartera Vencida Total + Ejecución Total / Cartera Bruta 1.20% 1.50% 1.69% 5.22% 3.55% 4.16% 3.08% 2.66% 5.27% 2.23% 2.14% Cartera Reprog. o Reestructurada Vigente / Cartera Vigente Total 0.22% 0.00% 0.09% 1.28% 1.71% 3.24% 1.67% 2.30% 3.64% 0.02% 0.81% Cartera Reprog. o Reestruct. Vencida y Ejec. / Cartera Reprog. o Reestruct % 0.00% 14.87% 5.53% 22.80% 20.92% 18.17% 18.58% 8.28% 0.00% 17.14% Prod. Financieros Devengados por Cobrar Cartera / Cartera Bruta 1.43% 1.39% 1.14% 1.80% 1.77% 0.70% 3.35% 2.38% 3.16% 1.65% 1.74% Prev.Cartera Incobrable / Cartera Bruta 4.51% 3.92% 7.54% 8.62% 3.55% 5.99% 2.71% 4.73% 8.43% 5.39% 5.09% Previsión cartera incobrable / Cartera en Mora % % % % % % 88.04% % % % % LIQUIDEZ Disponibilidades / Pasivo 2.18% 7.81% 9.32% 3.42% 5.28% 5.74% 5.02% 5.33% 2.15% 9.38% 5.17% Disponibilidades + Inversiones Temporarias / Pasivo 4.41% 8.94% 14.52% 5.11% 5.56% 9.00% 5.03% 5.34% 2.85% 9.40% 6.82% Disponibilidades + Inversiones Temporarias / Activo 3.63% 7.28% 8.29% 4.33% 4.76% 7.50% 4.57% 4.73% 2.48% 7.49% 5.40% SOLVENCIA Patrimonio/Activo 17.77% 18.55% 42.94% 15.15% 14.32% 16.65% 9.16% 11.44% 12.99% 20.36% 20.75% Patrimonio/Activo+Contingente 17.77% 18.55% 42.94% 15.15% 14.32% 16.65% 9.16% 11.44% 12.99% 20.36% 20.75% Cartera Vencida+Ejecución/Patrimonio 6.39% 7.42% 3.65% 31.32% 23.23% 22.66% 30.78% 21.90% 39.80% 10.28% 9.62% Cartera vencida + Ejec. reprog. o reestruct. / Patrimonio 0.23% 0.00% 0.03% 0.43% 3.19% 4.47% 3.58% 4.20% 2.35% 0.00% 0.74% Cartera Vencida+Ejecución-Prev/Patrimonio 2.08% 1.26% 0.59% 4.86% 7.11% 15.73% 9.39% 9.48% 14.22% 1.48% 2.82% Coeficiente de adecuación patrimonial (1) 18.34% 18.01% 41.74% 15.40% 14.79% 20.08% 13.61% 14.10% 18.41% 20.36% 21.48% Coeficiente de adecuación patrimonial (2) 18.34% 18.01% 46.19% 15.40% 14.79% 20.08% 13.61% 15.35% 17.04% 20.36% n.d. ESTRUCTURA FINANCIERA Activo Productivo / Activo + Contingente 95.36% 91.02% 92.84% 86.81% 90.72% 88.57% 88.36% 90.40% 91.96% 91.50% 92.38% Pasivo con Costo / Pasivo + Contingente 88.24% 90.03% 88.69% 95.30% 96.63% 94.10% 94.67% 95.26% 95.76% 93.68% 91.53% Activo Productivo - Pasivo con Costo / Pasivo con Costo 31.43% 24.13% 83.43% 7.35% 9.57% 12.94% 2.75% 7.15% 10.37% 22.64% 27.35% Activo Improductivo / Patrimonio 26.11% 48.39% 16.68% 87.06% 64.80% 68.63% % 83.95% 61.88% 41.75% 36.73% RENTABILIDAD Resultado Financiero Bruto / (Activo+Contingente) 18.93% 25.25% 15.81% 22.87% 12.04% 11.68% 11.84% 12.12% 11.03% 19.04% 16.82% Resultado de Operación Bruto / (Activo+Contingente) 18.56% 23.33% 16.19% 31.63% 13.24% 14.10% 12.01% 13.77% 11.33% 19.02% 17.01% Result. de Operación después de Incobrables / (Activo+Contingente) 17.13% 22.43% 14.59% 25.61% 11.01% 3.74% 10.07% 11.51% 0.81% 17.30% 14.89% Resultado de Operación Neto / (Activo+Contingente) 3.20% 3.45% 3.74% 0.50% 0.55% -8.23% 0.16% 0.84% -9.94% 1.21% 1.83% Result. de Operación Neto antes de Impuestos (Activo+Contingente) 3.28% 3.46% 3.71% 0.51% 0.55% -9.25% 0.02% 0.65% -9.96% 1.20% 1.81% Resultado Neto de la Gestión / (Activo+Contingente) [ROA] 2.53% 3.46% 2.51% 0.51% 0.55% -9.25% 0.02% 0.65% -9.96% 1.20% 1.36% Resultado Neto de la Gestión / Patrimonio [ROE] 14.83% 19.25% 5.90% 3.53% 3.94% % 0.26% 5.83% % 6.01% 6.69% RESULTADOS Ingresos Financieros / Activo+Contingente 23.87% 30.88% 19.43% 29.39% 17.39% 16.52% 19.09% 17.15% 16.46% 25.16% 21.92% Ingresos Financieros / Cartera Bruta 25.46% 33.06% 21.10% 32.89% 18.63% 18.87% 20.65% 18.70% 17.11% 27.03% 23.57% Resultado Neto / Ingresos Financieros 10.61% 11.20% 12.92% 1.74% 3.19% % 0.12% 3.79% % 4.78% 6.21% Gastos Financieros / Activo+Contingente -4.94% -5.64% -3.63% -6.52% -5.36% -4.84% -7.25% -5.03% -5.43% -6.12% -5.10% Gastos Financieros / Pasivos con costo promedio 6.69% 7.55% 7.13% 8.00% 6.45% 6.20% 8.45% 5.93% 6.56% 8.14% 6.96% Ajustes netos por inflación y por diferencias de cambio / Activo+Contingen 0.01% 0.00% -0.01% 0.01% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% Cargos por Incob.Netos de Recuper. / Activo+Contingente -1.42% -0.90% -1.61% -6.02% -2.23% % -1.94% -2.25% % -1.72% -2.12% Otros Ingresos Operativos Netos / Activo+Contingente -0.37% -1.92% 0.38% 8.75% 1.20% 2.42% 0.17% 1.65% 0.30% -0.02% 0.19% Gastos de Administración / Activo+Contingente % % % % % % -9.91% % % % % Ing.Extraord. Y de Gest.Ant.Netos / Activo+Contingente 0.07% 0.01% -0.02% 0.00% 0.00% -1.02% -0.13% -0.19% -0.01% 0.00% -0.02% Deprec.y Desval.Bienes de Uso / Bienes de uso-terrenos 21.55% 22.03% 21.03% 27.55% 21.07% 14.21% 25.83% 25.29% 15.48% 29.79% 22.18% INGRESOS Y GASTOS FINANCIEROS Productos por Cartera Vigente / Cartera Vigente 25.56% 33.39% 21.22% 43.56% 18.75% 18.87% 21.04% 18.49% 17.41% 27.31% 23.88% Productos por Cartera Reprog. Y Reestruct. Vigente / Cartera Reprog.y Rees 16.28% 0.00% 19.91% % 16.74% 19.74% 15.06% 7.75% 15.42% 26.13% -0.49% Productos por Cartera Vencida y en Ejecución / Cartera Vencida y en Ejecu 11.52% 6.48% 7.60% 17.37% 14.09% 12.59% 11.48% 43.82% 9.57% 12.65% 15.59% Productos por Cartera Reprog. Y Reestruct. Vencida y en Ejec. / Cartera Rep 6.55% 0.00% 7.49% 69.22% 17.47% 11.62% 6.90% 1.69% 3.02% 0.00% 8.18% Int. Penales Cartera Vencida Total /Productos cartera vencida total 1.95% 0.00% 2.00% 5.53% 0.00% 0.00% 0.76% 0.18% 1.04% 9.51% 1.25% Int. Penales Cartera en Ejecución Total /Productos cartera en Ejecución 5.08% 0.00% 0.94% 0.00% 0.00% 0.00% 1.10% 0.24% 0.13% 2.88% 1.64% Int. Penales Cartera Vencida Total y en Ejecución Total /Productos cartera 3.18% 0.00% 1.68% 5.53% 0.00% 0.00% 0.77% 0.19% 0.78% 8.30% 1.33% Int.Oblig.con Emp.con participación Estatal / Oblig.c/emp.con particip. Es 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% Cargos por Oblig.con el BCB / Oblig.con el BCB 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% EFICIENCIA ADMINISTRATIVA RATIOS DE EFICIENCIA (1) Gastos de Administración/(Activo+Contingente) 13.93% 18.97% 10.85% 25.10% 10.45% 11.98% 9.91% 10.68% 10.75% 16.09% 13.06% Gastos de Administración/Activo Productivo Promedio neto de Conting 14.58% 20.51% 11.66% 29.26% 11.50% 13.51% 11.08% 12.08% 11.71% 17.68% 14.12% Gastos de Administración/(Cartera+Contingente) 14.86% 20.31% 11.78% 28.10% 11.20% 13.68% 10.72% 11.64% 11.17% 17.29% 14.04% ESTRUCTURA DE GASTOS DE ADMINISTRACIÓN Gastos de Personal/Gastos de Administración 76.58% 71.87% 65.29% 59.64% 62.40% 60.54% 63.89% 62.86% 57.71% 71.20% 69.54% Deprec.y Amortizaciones/Gastos de Administración 4.24% 3.01% 9.41% 5.98% 4.73% 4.52% 6.00% 6.91% 7.65% 3.34% 5.33% Otros Gastos Administración/Gastos de Administración 19.18% 25.13% 25.30% 34.38% 32.87% 34.94% 30.11% 30.23% 34.64% 25.46% 25.13% Gastos de Administración/Total Egresos(4) 57.32% 66.04% 55.77% 63.95% 43.24% 41.39% 47.42% 27.98% 35.84% 44.18% 49.45% CÁLCULO SPREAD EFECTIVO (1) SPREAD EFECTIVO 18.40% 23.33% 16.21% 31.24% 12.96% 14.10% 11.42% 13.58% 10.32% 19.02% 16.82% MARGEN FINANCIERO (5) 18.77% 25.25% 15.80% 22.49% 11.75% 11.83% 11.26% 11.93% 10.02% 19.03% 16.63% Margen Financiero en Activos ProductivosPromedio Neto de Contin 19.74% 27.66% 17.12% 26.36% 13.01% 13.64% 13.10% 13.18% 11.02% 21.25% 18.11% Ingreso Financiero Promedio en Activos Productivos Neto de Cont 24.69% 33.30% 20.72% 32.88% 18.37% 18.34% 20.36% 18.20% 16.45% 27.38% 23.20% Costo Promedio de Fondos (7) -4.94% -5.64% -3.60% -6.52% -5.36% -4.69% -7.25% -5.03% -5.43% -6.12% -5.09% MARGEN OPERATIVO -0.37% -1.92% 0.41% 8.75% 1.20% 2.28% 0.17% 1.65% 0.30% -0.02% 0.19% UTILIZACIÓN DEL SPREAD EFECTIVO (1) SPREAD EFECTIVO 18.40% 23.33% 16.21% 31.24% 12.96% 14.10% 11.42% 13.58% 10.32% 19.02% 16.82% Incobrabilidad -1.26% -0.90% -1.57% -5.63% -1.95% % -1.36% -2.06% -9.51% -1.72% -1.92% Gastos administrativos % % % % % % -9.91% % % % % Resultados extraordinarios -0.13% 0.01% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -0.04% Resultados gestiones anteriores 0.20% 0.00% -0.03% 0.00% 0.00% -1.02% -0.13% -0.19% -0.01% 0.00% 0.02% n.d. No disponible (1) Cálculo de CAP utilizando el valor de patrimonio neto del mes precedente (2) Cálculo de CAP utilizando el valor de patrimonio neto del mes actual

4 Cuadro Nº 4 ESTADO DE CARTERA POR DEPARTAMENTOS Y ZONAS (En Bolivianos) DEPARTAMENTO BRUTA VIGENTE ESTADO DE CARTERA POR DEPARTAMENTO: NIVEL URBANO CARTERA Reprogramada o reestructurada vigente VENCIDA Reprogramada o reestructurada vencida EJECUCIÓN Reprogramada o reestructurada en ejecución BENI 42,907,294 42,356,091 10, ,324-55,676 - CHUQUISACA 167,172, ,565,468 29,595 1,138, ,870 - COCHABAMBA 269,241, ,755,840 2,603,546 5,776, ,925 2,699, ,693 LA PAZ 827,180, ,904,686 4,452,330 8,673, ,709 6,720, ,150 ORURO 254,030, ,652, ,816 1,664,727-1,164, ,432 PANDO 38,965,508 36,618, , , , ,073 68,631 POTOSÍ 79,692,879 76,950, ,546 1,993, ,167 - SANTA CRUZ 390,101, ,191,286 3,093,178 5,125, ,252 1,275, ,017 TARIJA 144,988, ,657,596 2,219,538 1,927, ,907 1,009,529 - TOTAL 2,214,279,930 2,155,652,247 13,427,192 27,680,033 1,547,619 14,644,917 1,327, % 97.35% 0.61% 1.25% 0.07% 0.66% 0% ESTADO DE CARTERA POR DEPARTAMENTO: NIVEL RURAL BENI 171,150, ,917, ,496 2,003, ,665 2,083, ,597 CHUQUISACA 96,966,713 94,681, , , , ,207 - COCHABAMBA 354,062, ,705,487 3,322,551 3,495, ,535 1,976, ,514 LA PAZ 473,010, ,777,400 1,916,827 6,464, ,474 2,226, ,812 ORURO 110,290, ,388, ,485 1,273,690 92, ,195 - PANDO 20,999,267 20,370, , ,978 69,612 85,012 14,820 POTOSÍ 145,227, ,815, ,677 1,027, , ,521 - SANTA CRUZ 573,261, ,410,782 11,599,296 12,388, ,001 5,325, ,264 TARIJA 138,204, ,743, ,647 1,832, , , ,455 TOTAL 2,083,171,696 2,015,811,075 20,808,007 29,381,722 2,654,748 12,963,680 1,552, % 96.77% 1.00% 1.41% 0.13% 0.62% 0% ESTADO DE CARTERA POR DEPARTAMENTO TOTAL NACIONAL BENI 214,057, ,273, ,698 2,489, ,665 2,139, ,597 CHUQUISACA 264,139, ,246, ,606 1,854, , ,077 - COCHABAMBA 623,304, ,461,327 5,926,097 9,271, ,460 4,676, ,207 LA PAZ 1,300,191,324 1,267,682,085 6,369,157 15,138,008 1,334,183 8,946, ,963 ORURO 364,320, ,041, ,300 2,938,417 92,918 1,472, ,432 PANDO 59,964,775 56,988, ,460 1,075, , ,085 83,451 POTOSÍ 224,920, ,766, ,223 3,021, , ,687 - SANTA CRUZ 963,362, ,602,068 14,692,474 17,513, ,253 6,601,278 1,024,281 TARIJA 283,192, ,401,003 3,085,185 3,760, ,054 1,427, ,455 TOTAL 4,297,451,625 4,171,463,322 34,235,199 57,061,754 4,202,367 27,608,597 2,880, % 97.07% 0.80% 1.33% 0.10% 0.64% 0%

5 Cuadro Nº 5 ESTADO DE CARTERA POR INSTITUCIÓN Y ZONA (En Bolivianos) INSTITUCIÓN BRUTA VIGENTE ESTADO DE CARTERA POR ENTIDAD: NIVEL URBANO CARTERA Reprogramada o reestructurada vigente VENCIDA Reprogramada o reestructurada vencida EJECUCIÓN Reprogramada o reestructurada en ejecución CRECER 548,893, ,149,586 1,045,425 3,163,211 10,490 2,489,866 35,037 PRO MUJER 375,833, ,644,923-4,977, ,173 - DIACONIA 573,903, ,816, ,077 4,165,980-4,558,121 - EMPRENDER 35,327,477 32,928, ,804 1,701,356 19, ,400 16,448 IDEPRO 182,500, ,610,717 3,134,450 4,059, ,677 2,129, ,054 IMPRO 21,080,024 19,351, , , , SARTAWI 83,096,490 77,651,140 1,081,912 3,146, ,916 1,111,445 - CIDRE 254,466, ,875,497 6,320,431 3,654, ,717 2,702,978 1,076,384 FONDECO 16,554,020 16,185, , ,944-41,827 - FUBODE 122,624, ,438,690 48,417 1,905,181-1,232,632 - TOTAL 2,214,279,930 2,155,652,247 13,427,192 27,680,033 1,547,619 14,644,917 1,327, % 97.35% 0.61% 1.25% 0.07% 0.66% 0% ESTADO DE CARTERA POR ENTIDAD: NIVEL RURAL CRECER 776,953, ,909,348 1,796,986 5,941, ,105 3,787, ,322 PRO MUJER 110,310, ,216,078-1,619, ,203 - DIACONIA 223,522, ,435, ,391 3,078, ,671 1,533,846 22,979 EMPRENDER 15,577,873 14,704, , , IDEPRO 176,083, ,341,243 2,779,687 2,746, ,521 2,035, ,282 IMPRO 4,894,945 4,736,832 58,291 95,724 4, SARTAWI 241,752, ,938,213 4,165,110 3,945, , , ,166 CIDRE 265,900, ,988,657 5,321,031 3,238, ,494 1,609, ,715 FONDECO 168,998, ,175,452 6,213,291 6,731, ,212 2,299,530 - FUBODE 99,178,297 97,365,229-1,234, ,272 - TOTAL 2,083,171,696 2,015,811,075 20,808,007 29,381,722 2,654,748 12,963,680 1,552, % 96.77% 1.00% 1.41% 0.13% 0.62% 0% ESTADO DE CARTERA POR ENTIDAD TOTAL NACIONAL CRECER 1,325,846,757 1,307,058,934 2,842,412 9,105, ,594 6,277, ,359 PRO MUJER 486,143, ,861,002-6,596, ,376 - DIACONIA 797,425, ,251, ,468 7,244, ,671 6,091,966 22,979 EMPRENDER 50,905,350 47,633, ,023 2,451,299 19, ,400 16,448 IDEPRO 358,583, ,951,961 5,914,137 6,806, ,198 4,164, ,336 IMPRO 25,974,968 24,088, , , , SARTAWI 324,849, ,589,354 5,247,022 7,091, ,565 1,756, ,166 CIDRE 520,367, ,864,154 11,641,463 6,893,208 1,301,211 4,312,215 1,355,099 FONDECO 185,552, ,360,564 6,405,428 6,866, ,212 2,341,356 - FUBODE 221,803, ,803,919 48,417 3,139,977-1,810,904 - TOTAL 4,297,451,625 4,171,463,322 34,235,199 57,061,754 4,202,367 27,608,597 2,880, % 97.07% 0.80% 1.33% 0.10% 0.64% 0%

6 Cuadro Nº 6 CALIFICACIÓN DE CARTERA POR INSTITUCIÓN (En Bolivianos) CARTERA POR ENTIDAD: TOTAL NACIONAL INSTITUCIÓN CALIFICACIÓN DE CARTERA Categoría A Categoría B Categoría C Categoría D Categoría E Categoría F TOTAL CRECER 1,300,132,108 9,482,965 4,239,990 1,347,010 3,471,353 7,173,332 1,325,846,757 PRO MUJER 469,088,117 7,877,275 2,070, ,470 1,053,982 5,351, ,143,666 DIACONIA 780,362,462 3,767,326 1,483, ,411 1,170,859 10,379, ,425,796 EMPRENDER 47,718, , ,276 15, ,816 1,956,462 50,905,350 IDEPRO 337,513,612 8,044,807 2,437, ,571 1,693,709 8,384, ,583,316 IMPRO 24,424, , , ,666-75,784 25,974,968 SARTAWI 310,541,018 4,846,199 2,277, ,095 1,169,964 5,702, ,849,068 CIDRE 492,103,998 14,557,698 3,304,026 1,020,162 1,225,824 8,155, ,367,349 FONDECO 171,869,811 2,583,003 1,580, ,942 5,232,195 3,669, ,552,139 FUBODE 215,498,348 1,397, , , ,877 3,687, ,803,217 TOTAL 4,149,251,749 53,559,520 19,185,216 5,101,862 15,817,580 54,535,699 4,297,451, % 1.25% 0.45% 0.12% 0.37% 1.27% 100% n.d. - No disponible

7 GRÁFICO Nº 1 Calificación de cartera de las IFD A 97% Otras Categorías 3%

8 GRÁFICO Nº 2 Evolución de Cartera Bruta Urbana y Rural (En Millones de Bolivianos) ,099 4,353 4, ,656 Millones ,891 2,063 2,236 2,241 2,214 2,113 2,083 1,939 1,717 2,036 1,624 1,549 1,245 1,250 1,342 1, dic-04 dic-05 dic-06 dic-07 dic-08 dic-09 dic-10 dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 Cartera Bruta Cartera Bruta Urbana Cartera Bruta Rural

9 Cuadro Nº 7 NÚMERO DE CLIENTES POR INSTITUCIÓN Y DEPARTAMENTO (En número de clientes) INSTITUCIÓN URBANO RURAL NACIONAL HOMBRES MUJERES HOMBRES MUJERES HOMBRES MUJERES TOTAL CLIENTES CIDRE 4,165 3,014 5,463 2,919 9,628 5,933 15,561 CRECER 14,244 55,785 19,860 75,671 34, , ,560 DIACONIA 22,607 31,015 8,773 5,543 31,380 36,558 67,938 EMPRENDER 1,827 5, ,623 2,768 7,106 9,874 FONDECO ,842 2,365 2,159 3,080 5,239 FUBODE 6,231 20,996 4,767 7,869 10,998 28,865 39,863 IDEPRO 3,458 2,591 4,753 1,965 8,211 4,556 12,767 IMPRO ,282 1,246 2,528 PRO MUJER 8,471 80,454 3,167 26,230 11, , ,322 SARTAWI 3,161 5,876 6,854 5,040 10,015 10,916 20,931 TOTAL 65, ,919 56, , , , ,583 DEPARTAMENTO URBANO RURAL NACIONAL HOMBRES MUJERES HOMBRES MUJERES HOMBRES MUJERES TOTAL CLIENTES BENI 919 8,053 4,823 18,659 5,742 26,712 32,454 CHUQUISACA 5,552 15,168 2,952 4,304 8,504 19,472 27,976 COCHABAMBA 9,207 23,526 10,357 17,830 19,564 41,356 60,920 LA PAZ 26,741 67,796 15,236 24,950 41,977 92, ,723 ORURO 6,698 19,996 2,647 3,082 9,345 23,078 32,423 PANDO 971 4, ,150 1,602 5,223 6,825 POTOSI 2,594 9,071 4,321 8,640 6,915 17,711 24,626 SANTA CRUZ 8,535 47,160 11,503 38,423 20,038 85, ,621 TARIJA 4,226 12,076 4,270 12,443 8,496 24,519 33,015 TOTAL 65, ,919 56, , , , ,583

10 GRÁFICO Nº 3 Evolución de número de prestatarios urbanos y rurales , , , , , , , , , , , , , , , , , , ,878 65, , , ,831 86,780 89, , , , ,651 97,863 96, , , , , , , , ,221 - dic-04 dic-05 dic-06 dic-07 dic-08 dic-09 dic-10 dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 Clientes Clientes Urbanos Clientes Rurales

11 GRÁFICO Nº 4 Evolución de número de prestatarios hombres, mujeres e institucionales , , , , , , , , , , , ,232 35,103 36,249 38, , ,282 47, , , , ,788 54,610 52, , ,546 67, ,545 85, ,567 99, , , , , , , , ,183 - dic-04 dic-05 dic-06 dic-07 dic-08 dic-09 dic-10 dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 Clientes Clientes Mujeres Clientes Hombres Clientes Institucionales

12 9.00% GRÁFICO Nº 5 Evolución de porcentaje de Mora 8.00% 7.97% 7.00% 6.00% 5.68% Título del eje 5.00% 4.00% 5.13% 3.00% 3.39% 2.00% 1.00% 2.38% 1.68% 1.36% 1.03% 1.00% 1.16% 1.53% 1.60% 2.14% 0.00% dic-04 dic-05 dic-06 dic-07 dic-08 dic-09 dic-10 dic-11 dic-12 dic-13 dic-14 dic-15 mar-16

13 GRÁFICO Nº 6 Evolución de cobertura de previsiones sobre la cartera en mora (en Millones de Bolivianos) Millones Cartera en Mora Previsiones dic-04 dic-05 dic-06 dic-07 dic-08 dic-09 dic-10 dic-11 dic-12 dic-13 dic-14 dic-15 mar-16

14 GRÁFICO Nº 7 Evolución de indicadores de resultados 35.00% 30.00% 25.00% 27.23% 30.67% 28.16% 28.74% 26.92% 25.66% 23.98% 23.06% 22.17% 23.74% 23.06% 23.57% 20.00% 15.00% 18.75% 19.46% 18.06% 18.16% 15.25% 17.41% 16.56% 19.79% 12.65% 14.02% 13.48% 14.41% 14.08% 14.04% 10.00% 5.00% Ingresos Financieros / Cartera Bruta 0.00% Gastos Administrativos / Cartera Bruta dic-04 dic-05 dic-06 dic-07 dic-08 dic-09 dic-10 dic-11 dic-12 dic-13 dic-14 dic-15 mar-16

15 Cuadro Nº 8 CLASIFICACIÓN DE CARTERA POR DESTINO DEL CRÉDITO (En Bolivianos) INSTITUCIÓN Agricultura y Ganadería Caza, Silvicultura y Pesca Extracción de petroleo crudo y gas natural Minerales metálicos y no metálicos Industria Manufacturera Producción y distribución de energía eléctrica, gas y agua Construcción Venta al por mayor y menor Hoteles y Restaurantes CARTERA POR ENTIDAD: NIVEL URBANO SECTOR ECONOMICO Transporte, almacenamiento y comunicación CRECER 7,850,301 87,074-2,177,710 24,592,066 42,248 56,865, ,759,783 22,981,978 96,489,971-30,490,830-2,542,428 9,991,549 22, ,893,615 PRO MUJER - - 5, ,470 1,162,582 82,919 6,046, ,356,406 80,700,947 10,515,930 83,043 5,496, , ,188 9,047,635 96, ,833,349 DIACONIA 4,459,000 3,635-3,977,062 24,017,594 89, ,564, ,869,096 7,014,726 65,328,665 46,010 98,094, ,912 2,996,759 6,036, ,161-37, ,903,275 EMPRENDER 94,624-20,453 42,588 5,265, ,694 18,252,742 4,802,190 4,066, , ,022 26,947 73,314 1,245, ,996 35,327,477 IDEPRO 9,905,069 4,853,639-1,006,096 21,335,635-8,148,374 55,634,433 13,015,176 53,853, ,276 8,455, , ,128 5,460, ,500,005 IMPRO 241,250 27,075-35,693 3,595, ,450 3,991,189 1,103,833 3,027,953-6,804,433 65, , , ,384 21,080,024 SARTAWI 11,503,268 14, ,002 5,646,637 33,641 10,210,137 33,900,995 5,525,238 9,081,768-4,279,445 9, ,801 2,303,551 64,916-2,992 83,096,490 CIDRE 24,093,898 3,117,431 33,157 3,872,684 23,021,717 6,922,300 39,202,847 46,845,908 9,729,176 66,986, ,524 21,230,208 71, ,605 8,343,063 61, ,466,755 FONDECO 1,522, ,209,390-1,823,240 5,150,572 1,678, ,320-2,591, , , , ,554,020 FUBODE 11,707,151 8, ,110 14,687,602-10,428,975 44,919,985 27,398,804 11,212, , ,385,732 6, , ,624,920 TOTAL 71,376,717 8,111,418 58,744 12,190, ,534,321 7,170, ,325, ,681, ,950, ,390, , ,325,611 1,192,890 8,280,150 45,146, , ,379 2,214,279, % 0.37% 0.00% 0.55% 5.67% 0.32% 14.96% 41.94% 7.86% 14.51% 0.03% 8.05% 0.05% 0.37% 2.04% 0.02% 0.00% 0.03% 100% CARTERA POR ENTIDAD: NIVEL RURAL CRECER 177,740,391 1,943,753-6,340,417 21,061,263 26,179 69,660, ,852,361 28,141,753 55,373,078-18,126, ,020 6,397,503 12, ,953,143 PRO MUJER , ,551 1,611 2,163,965 69,355,365 32,549,403 2,755,152-1,146,612 37,596 83,345 2,070,467 10, ,310,317 DIACONIA 74,737,048 4,487,484-1,963,266 12,711,550 21,989 48,855,325 37,620,306 3,302,214 13,460,842 23,152 23,432,939 53, ,091 2,505,457 6,204-17, ,522,521 EMPRENDER 3,467, ,191-18,893 1,668, ,714 5,617,953 1,510,606 2,266,701-48,195-18, , ,577,873 IDEPRO 104,346,585 15,036, ,927 8,671,007-2,478,602 17,562,885 5,531,704 19,950,872 4,000 1,490,816 64,795 93, , ,083,311 IMPRO 3,011,514 25, ,289,310-77, ,324 13, , ,289-6, ,894,945 SARTAWI 168,661, , ,588 5,898,631 6,500 16,921,705 28,945,698 5,864,107 7,220,659 74,110 6,095,564 31, , ,066 10,338-20, ,752,578 CIDRE 172,027,112 3,314,339-4,956,717 8,276, ,708 14,995,731 11,957,085 2,084,749 38,937, ,899 6,989, ,092 42,488 1,825,621 4, ,900,594 FONDECO 134,442,458 68,531-23,636 2,475,697 1,193,231 7,776,915 9,911,702 4,879,748 3,125,898-3,752, ,901 1,185, ,998,119 FUBODE 51,495,410 99,323-2,875,833 7,303,631-6,067,264 18,695,831 6,995,540 4,807, ,881-41, ,632 17,138-48,000 99,178,297 TOTAL 889,929,509 25,530,516-17,108,315 69,487,311 1,452, ,206, ,635,511 90,872, ,042, ,161 61,428, ,188 1,171,628 16,584,815 60,906-85,677 2,083,171, % 1.23% 0.00% 0.82% 3.34% 0.07% 8.12% 28.40% 4.36% 7.11% 0.01% 2.95% 0.02% 0.06% 0.80% 0.00% 0.00% 0.00% 100% CARTERA POR ENTIDAD: TOTAL NACIONAL CRECER 185,590,692 2,030,827-8,518,127 45,653,330 68, ,525, ,612,145 51,123, ,863,048-48,617,149-2,820,447 16,389,052 34, ,325,846,757 PRO MUJER - - 5, ,508 1,294,133 84,530 8,209, ,711, ,250,350 13,271,082 83,043 6,642, , ,533 11,118, , ,143,666 DIACONIA 79,196,047 4,491,119-5,940,329 36,729, , ,419, ,489,402 10,316,940 78,789,507 69, ,527, ,182 3,320,850 8,542, ,365-55, ,425,796 EMPRENDER 3,562, ,191 20,453 61,481 6,933, ,408 23,870,695 6,312,796 6,333, , ,217 26,947 91,917 1,602, ,996 50,905,350 IDEPRO 114,251,654 19,889,670-1,159,022 30,006,643-10,626,977 73,197,317 18,546,879 73,804, ,276 9,946, , ,661 6,160, ,583,316 IMPRO 3,252,765 52,428-35,693 4,884, ,159 4,107,512 1,116,912 3,172,524-7,014,722 65, , , ,384 25,974,968 SARTAWI 180,164, ,511-1,120,590 11,545,269 40,141 27,131,841 62,846,693 11,389,344 16,302,426 74,110 10,375,008 40, ,160 3,250,617 75,255-23, ,849,068 ANED CIDRE 196,121,010 6,431,771 33,157 8,829,401 31,298,032 7,125,008 54,198,578 58,802,994 11,813, ,924, ,423 28,219, , ,093 10,168,684 66, ,367,349 FONDECO 135,964,613 68,531-23,636 4,685,087 1,193,231 9,600,155 15,062,274 6,558,356 3,952,218-6,344, , ,926 1,662, ,552,139 FUBODE 63,202, ,887-3,170,943 21,991,234-16,496,239 63,615,816 34,394,345 16,020, ,186-41,495 1,982,364 23, , ,803,217 TOTAL 961,306,226 33,641,934 58,744 29,298, ,021,631 8,623, ,532,918 1,520,316, ,823, ,432, , ,753,712 1,510,078 9,451,777 61,730, , ,056 4,297,451, % 0.78% 0.00% 0.68% 4.54% 0.20% 11.65% 35.38% 6.16% 10.92% 0.02% 5.58% 0.04% 0.22% 1.44% 0.01% 0.00% 0.02% 100% Intermediación financiera Servicios inmobiliarios, empresariales y de alquiler Administración pública, defensa y seguridad social obligatoria Educación Servicios sociales, comunales y personales Servicio de hogares privados que contratan servicio doméstico Servicios de organizaciones y órganos extraterritoriales Actividades atípicas TOTAL

16 GRÁFICO Nº 8 Destino de cartera urbana Servicios inmobiliarios, empresariales y de alquiler 8% Otras Actividades 21% Venta al por mayor y menor 42% Transporte, almacenamiento y comunicación 14% Construcción 15%

17 GRÁFICO Nº 9 Destino de cartera rural Transporte, almacenamiento y comunicación 7% Otras Actividades 14% Construcción 8% Agricultura y Ganadería 43% Venta al por mayor y menor 28%

18 Cuadro Nº 9 ESTRATIFICACIÓN DE CARTERA POR MONTO DEL CRÉDITO (En Bolivianos) CARTERA POR ENTIDAD: NIVEL URBANO ESTRATIFICACIÓN DE CARTERA POR MONTOS INSTITUCIÓN Mayor a US$ Entre US$ y Entre US$ y Entre US$ y Entre US$ y Entre US$ y Entre US$ y Entre US$ y Entre US$ y Entre US$ y Entre US$ y Entre US$ y Entre US$ 501 y US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ US$ Menores a US$ 500 TOTAL CRECER ,060 1,286,324 9,808,779 13,624,018 57,574, ,225,732 41,945,427 34,928,992 71,806,889 88,394,725 64,170,771 22,983, ,893,614 PRO MUJER , ,858 8,425,927 3,987,739 13,769,983 52,907, ,070, ,224,006 40,469, ,833,349 DIACONIA - 2,459,201 7,331,006 29,123,469 33,234,687 33,985,269 59,665, ,548,827 40,868,066 44,634,779 61,284,604 60,691,728 36,956,880 13,119, ,903,275 EMPRENDER , ,097 1,214,370 1,330,472 1,454,937 4,611,251 9,647,719 9,004,781 7,137,617 35,327,475 IDEPRO ,394,986 9,223,410 7,963,060 20,978,985 32,780,071 58,790,987 8,546,382 16,461,528 7,081,158 3,898, ,727 46, ,500,005 IMPRO , ,799 4,661,450-1,626,000 1,452,348 10,836,062-1,672,351 21,080,024 SARTAWI - - 3,636,397 7,117,954 5,918,326 2,740,428 7,108,291 16,153,993 6,121,048 7,355,462 7,241,272 9,004,970 5,287,438 5,410,912 83,096,490 CIDRE 4,310,879 24,274,478 31,865,750 19,033,821 15,614,700 18,538,104 12,556,955 34,569,637 30,146,901 18,517,243 23,796,764 16,558,490 3,779, , ,466,755 FONDECO - 1,558, ,088 3,000,413 1,166, , ,384 2,250, , ,707 1,458,868 2,263,076 1,361, ,186 16,554,021 FUBODE ,072 12,061,078 8,038,422 8,569,212 10,208,237 22,807,118 31,832,636 28,964, ,624,920 TOTAL 4,310,879 28,291,914 60,252,287 68,785,391 73,903,317 91,288, ,887, ,902, ,353, ,954, ,848, ,173, ,951, ,375,233 2,214,279, % 1.28% 2.72% 3.11% 3.34% 4.12% 7.76% 19.46% 6.38% 6.68% 10.92% 15% 14% 5% 100% CARTERA POR ENTIDAD: NIVEL RURAL CRECER ,082,478 8,117,148 10,204, ,941, ,269,284 68,244,168 54,471,530 99,528, ,748,405 89,563,072 27,781, ,953,143 PRO MUJER ,534 1,095, ,675 3,233,266 12,879,456 27,223,390 52,356,681 13,134, ,310,317 DIACONIA ,996 3,507,868 7,800,255 7,013,074 16,676,501 65,086,046 22,122,060 22,205,182 29,469,938 29,700,365 14,233,176 4,937, ,522,521 EMPRENDER ,039 72, , , ,415 2,511,683 5,065,850 3,171,756 2,162,863 15,577,873 IDEPRO - - 6,288,754 5,227,811 4,848,759 25,828,240 31,584,930 51,755,423 14,496,290 14,448,307 12,293,022 8,085,979 1,134,419 91, ,083,311 IMPRO ,099 61, , ,422 2,763, ,275 4,894,945 SARTAWI ,090,378 42,732,874 25,506,201 15,027,663 19,125,350 44,494,935 21,617,513 21,062,991 19,466,442 11,323,124 3,076,095 3,229, ,752,578 CIDRE 5,976,774 19,590,963 40,031,562 18,641,936 14,394,506 12,558,874 11,479,354 38,753,118 29,637,160 22,690,533 27,117,763 18,514,521 5,148,612 1,364, ,900,594 FONDECO - 3,566,791 19,635,310 26,262,100 22,888,057 14,711,463 19,401,594 28,686,442 6,038,565 6,456,155 7,511,458 7,349,631 4,273,094 2,217, ,998,118 FUBODE , ,306 1,419,975 23,308,125 11,463,546 10,933,307 11,800,658 16,392,692 12,987,514 10,418,218 99,178,297 TOTAL 5,976,774 23,157,754 81,817,000 97,455,067 83,879,879 85,593, ,760, ,463, ,647, ,209, ,109, ,167, ,944,420 65,989,197 2,083,171, % 1.11% 3.93% 4.68% 4.03% 4.11% 9.78% 21.34% 8.38% 7.55% 10.71% 12% 9% 3% 100% CARTERA POR ENTIDAD: TOTAL NACIONAL CRECER ,060 2,368,802 17,925,927 23,828, ,516, ,495, ,189,594 89,400, ,335, ,143, ,733,843 50,764,748 1,325,846,757 PRO MUJER , ,393 9,521,897 4,316,414 17,003,249 65,787, ,293, ,580,687 53,603, ,143,666 DIACONIA - 2,459,201 8,102,002 32,631,337 41,034,941 40,998,344 76,342, ,634,873 62,990,126 66,839,961 90,754,542 90,392,093 51,190,056 18,056, ,425,796 EMPRENDER , ,213 2,165,163 1,968,830 2,339,352 7,122,935 14,713,568 12,176,537 9,300,480 50,905,348 IDEPRO ,683,740 14,451,221 12,811,819 46,807,225 64,365, ,546,410 23,042,673 30,909,834 19,374,180 11,984,903 1,468, , ,583,316 IMPRO , ,799 4,724,549 61,436 2,450,164 1,982,770 13,599,611-2,324,626 25,974,968 SARTAWI ,726,775 49,850,828 31,424,527 17,768,091 26,233,642 60,648,927 27,738,561 28,418,453 26,707,714 20,328,093 8,363,533 8,639, ,849,068 CIDRE 10,287,653 43,865,441 71,897,312 37,675,757 30,009,205 31,096,978 24,036,309 73,322,755 59,784,061 41,207,776 50,914,528 35,073,010 8,928,230 2,268, ,367,349 FONDECO - 5,125,026 20,515,397 29,262,513 24,054,810 15,211,106 19,842,977 30,936,462 6,407,875 7,092,862 8,970,326 9,612,706 5,634,433 2,885, ,552,139 FUBODE , ,306 1,564,048 35,369,203 19,501,967 19,502,519 22,008,895 39,199,810 44,820,150 39,382, ,803,217 TOTAL 10,287,653 51,449, ,069, ,240, ,783, ,882, ,648, ,365, ,001, ,164, ,958, ,340, ,895, ,364,431 4,297,451, % 1.20% 3.31% 3.87% 3.67% 4.12% 8.74% 20.37% 7.35% 7.10% 10.82% 13% 11% 4% 100%

19 Cuadro Nº 10 DISTRIBUCIÓN DE CARTERA POR TIPO DE CRÉDITO (En Bolivianos) CARTERA POR ENTIDAD: NIVEL URBANO TIPO DE CRÉDITO INSTITUCIÓN Crédito empresarial Crédito debidamente Crédito PYME Crédito Empresarial Crédito PYME Crédito empresarial calificado por días garantizado al sector calificado por días Agropecuario calificado empresarial mora público mora PyME agropecuario PyME agropecuario debidamente PyME agropecuario debidamente garantizado con Calificados por Días garantizado garantía real Mora Calificados por Días Calificados por Días Mora Mora Crédito PyME Agropecuario calificado como empresarial Crédito PyME Agropecuario con garantía real calificado como empresarial Microcrédito individual Microcrédito debidamente garantizado Microcrédito garantizado con garantía real Microcrédito solidario Microcrédito Banca Microcrédito solidario debidamente Comunal garantizado Microcrédito Banca Comunal debidamente garantizado Microcrédito Agropecuario Microcrédito agropecuario debidamente garantizado c/garantía real Microcrédito agropecuario debidamente garantizado Crédito hipotecario de vivienda Crédito de Vivienda sin Garantía Hipotecaria Crédito de Vivienda sin Garantía Crédito de consumo Crédito de consumo Hipotecaria Crédito de consumo debidamente garantizado con debidamente garantizado garantía real garantizado TOTAL CRECER ,845, ,157,499-7,937, ,986,271 54,124,485-4,842, ,893,615 PRO MUJER ,203,488 39,057, , ,984, ,550, , , ,833,349 DIACONIA , ,540, ,960,736-3,840, ,554,897 66,338, ,678, ,903,275 EMPRENDER ,157, ,089-11,418, ,327,477 IDEPRO ,602, ,310,200 12,019, ,413,601-1,039, , ,500,005 IMPRO ,080, ,080,024 SARTAWI ,457, ,177,511-11,372, ,393,927 3,755,471-2,939, ,096,490 CIDRE ,266, ,400 4,931, , ,330,425 78,358,314 87,195, ,123,144 10,454,387 9,880,096 16,277, ,837 9,162,903 1,918,431 10,509,976 4,864, ,466,755 FONDECO ,578, ,497 5,771, ,951, , ,014-1,027, , ,403-36,130 16,554,020 FUBODE ,043, ,182-69,420,458-23,448, ,047 3,662, , ,624,920 TOTAL ,858, ,400 4,931, , ,546, ,570,079 93,485,465 52, , ,065, ,968,454 49,157,427 11,416,400 9,880,096 80,251, ,353,564 9,162, ,629,240 10,509,976 4,900,330 2,214,279, % 0.00% 0.00% 0.00% 0.00% 1.35% 0.01% 0.22% 0.03% 0.00% 0.00% 33.08% 5.85% 4.22% 0.00% 0.03% 17.44% 12.24% 2.22% 0.52% 0.45% 3.62% 5.84% 0.41% 11.77% 0.47% 0.22% % CARTERA POR ENTIDAD: NIVEL RURAL CRECER ,685, ,646, ,684, ,149,489 69,732,293-2,055, ,953,143 PRO MUJER ,255,608 8,589, ,260,130 84,064, , ,310,317 DIACONIA ,287 33, ,507, ,657,779-75,708, ,093,967 23,864,280-61,632, ,522,521 EMPRENDER ,123, ,500-3,440, ,577,873 IDEPRO ,589, , ,620,074 2,380, ,913, ,083,311 IMPRO ,894, ,894,945 SARTAWI ,679, ,653, ,441, ,657,636 6,245,183-3,074, ,752,578 CIDRE ,722,050-19,603,998 10,101, ,157,044 20,421,906 48,498, ,362,404 31,104, ,141,936 6,045, ,847 4,681, ,101 3,200,218 1,857, ,900,594 FONDECO ,363,460 2,005,111 11,752, ,575, ,527 10,776, ,643,730-27,225,971 88,553,036 96,040 3,672,674 1,730,245-1,852,730 62,183 1,976, ,998,119 FUBODE ,079, ,144-18,635,972-59,808, ,840 2,525, , ,178,297 TOTAL ,699,076 2,618,223 31,356,770 10,101, ,580,184 32,103,554 59,275, ,144 13, ,497,910 87,505, ,144, ,657, ,237,976 31,962, ,388,509 4,681,458 70,109,634 3,262,402 3,834,687 2,083,171, % 0.00% 0.00% 0.00% 0.00% 0.61% 0.13% 1.51% 0.48% 0.00% 0.00% 25.76% 1.54% 2.85% 0.01% 0.00% 16.06% 4.20% 25.45% 5.74% 5.20% 1.53% 5.01% 0.22% 3.37% 0.16% 0.18% % CARTERA POR ENTIDAD: TOTAL NACIONAL CRECER ,530, ,804, ,621, ,135, ,856,778-6,897, ,325,846,757 PRO MUJER ,459,096 47,647, , ,244, ,615, ,164 1,063, ,143,666 DIACONIA ,013,729 33, ,048, ,618,515-79,548, ,648,864 90,203, ,311, ,425,796 EMPRENDER ,281, ,589-14,858, ,905,350 IDEPRO ,191, , ,930,275 14,400, ,413,601-16,953, , ,583,316 IMPRO ,974, ,974,968 SARTAWI ,137, ,831, ,813, ,051,562 10,000,654-6,013, ,849,068 CIDRE ,988, ,400 24,535,349 10,704, ,487,470 98,780, ,694, ,485,548 41,558, ,022,032 22,323, ,684 13,844,361 2,768,532 13,710,194 6,722, ,367,349 FONDECO ,363,460 2,005,111 11,752, ,153, ,024 16,547, ,595,440-27,622,206 89,515,050 96,040 4,700,314 1,873,271-2,406,133 62,183 2,012, ,552,139 FUBODE ,123, ,325-88,056,430-83,256, ,886 6,188,291-1,341, ,803,217 TOTAL ,557,320 2,803,623 36,288,121 10,704, ,269,126, ,673, ,760, , , ,563, ,473, ,301, ,073, ,118, ,214, ,742,073 13,844, ,738,873 13,772,378 8,735,017 4,297,451, % 0.00% 0.00% 0.00% 0.00% 0.99% 0.07% 0.84% 0.25% 0.00% 0.00% 29.53% 3.76% 3.55% 0.00% 0.02% 16.77% 8.34% 13.48% 3.05% 2.75% 2.61% 5.44% 0.32% 7.70% 0.32% 0.20% %

20 GRÁFICO Nº 10 Estratificación de cartera por monto de crédito Entre US$ 501 y US$ % Menores a US$ 500 4% Mayores a US$ % Entre US$ y US$ % Entre US$ y US$ % Entre US$ y US$ % Entre US$ y US$ % Entre US$ y US$ %

21 Cuadro Nº 11 COBERTURA DE LA RED DE AGENCIAS Y EMPLEADOS Número de Agencias Personal Entidad Rural Urbana Total Rural Urbana Total CIDRE CRECER ,175 DIACONIA EMPRENDER FONDECO FUBODE IDEPRO IMPRO PRO MUJER SARTAWI Total general ,210 2,526 3,736 Número de Agencias Personal Departamento Rural Urbana Total Rural Urbana Total BENI CHUQUISACA COCHABAMBA LA PAZ ,093 1,343 ORURO PANDO POTOSÍ SANTA CRUZ TARIJA Total general ,210 2,526 3,736

22 GRÁFICO Nº 11 Cobertura por departamento Número de Agencias Rural Número de Agencias Urbana

23 Cuadro Nº 12A Tasas de interés según moneda y tipo de crédito Crédito empresarial Crédito empresarial calificado por días mora Crédito debidamente garantizado al sector público Credito Empresarial Agropecuario Crédito PYME calificado empresarial Crédito PYME calificado por días mora PyME agropecuario Calificados por Dias Mora PyME agropecuario debidamente garantizado con garantía real Calificados por Dias Mora PyME agropecuario debidamente garantizado Calificados por Dias Mora Crédito PyME Agropecuario calificado como empresarial Crédito PyME Agropecuario con garantía real calificado como empresarial Microcrédito individual Microcrédito debidamente garantizado Microcrédito garantizado con garantía real Microcrédito solidario Microcrédito solidario debidamente garantizado Microcrédito Banca Comunal Microcrédito Banca Comunal debidamente garantizado Microcredito Agropecuario Microcredito agropecuario debidamente garantizado c/garantia real Microcredito agropecuario debidamente garantizado Crédito hipotecario de vivienda Crédito de Vivienda sin Garantia Hipotecaria Crédito de Vivienda sin Garantia Hipotecaria debidamente garantizado Crédito de consumo Crédito de consumo debidamente garantizado Crédito de consumo garantizado con garantía real Tasas de interés de créditos en bolivianos DIACONIA EMPRENDER IDEPRO CRECER PRO MUJER IMPRO SARTAWI CIDRE FONDECO FUBODE 13.00% 12.00% 16.00% 12.30% 24.00% 28.00% 20.50% 28.00% 13.00% 12.30% 15.00% 28.00% 15.00% 12.30% 19.00% 28.00% 17.00% 21.00% 11.50% 24.00% 13.00% 14.00% 9.75% 12.00% 16.00% 16.00% 12.30% 22.00% 28.00% 30.00% 24.00% 36.00% 33.00% 19.00% 28.00% 24.00% 28.00% 26.00% 18.00% 12.00% 10.00% 12.30% 18.00% 30.00% 33.00% 22.00% 28.00% 18.00% 15.00% 12.30% 21.00% 28.00% 25.00% 27.00% 27.00% 29.40% 36.00% 36.00% 34.00% 35.00% 36.00% 33.00% 30.00% 30.00% 33.60% 36.00% 35.00% 36.00% 33.00% 34.00% 36.00% 36.00% 35.00% 36.00% 35.00% 36.00% 11.50% 13.00% 18.00% 16.00% 13.00% 12.30% 16.00% 24.00% 15.00% 18.00% 28.00% 23.00% 28.00% 24.00% 10.00% 12.30% 21.00% 28.00% 24.00% 11.00% 26.00% 22.00% 15.00% 12.00% 10.00% 14.00% 12.00% 12.30% 18.00% 18.00% 12.00% 12.32% 18.00% 21.00% 28.00% 18.00% 15.00% 16.00% 18.00% 16.00% 12.30% 20.00% 30.00% 24.00% 20.00% 22.00% 28.00% 22.00% 18.00% 23.00% 12.00% 13.00% 18.00% 12.30% 29.40% 30.00% 24.00% 25.00% 28.00% 29.40% 16.00% 12.30% 24.50% 28.00% 15.00% 12.30% 24.00% 28.00%