Cuadro Nº 1 SITUACIÓN PATRIMONIAL (En Bolivianos) CRECER PRO MUJER DIACONIA EMPRENDER IDEPRO IMPRO SARTAWI CIDRE FONDECO FUBODE TOTAL ACTIVO DISPONIBILIDADES 34,647,936 24,908,060 43,060,612 1,314,979 22,560,383 1,611,688 15,157,156 25,580,539 6,934,156 19,918,518 195,694,027 INVERSIONES TEMPORARIAS 36,205,465 4,013,296 47,162,553 1,067,680 792,299 1,755,451 25,002 251,511 1,143,665 39,936 92,456,858 PORTAFOLIO DE NEGOCIOS - - - - - - - - - - - PORTAFOLIO DE INVERSIONES EN CURSO - - - - - - - - - - - PORTAFOLIO DE INVERSIONES PENDIENTES DE COBRO - - - - - - - - - - - PORTAFOLIO DE INVERSIONES EN EJECUCION - - - - - - - - - - - CARTERA 1,280,786,480 481,951,402 744,335,346 48,180,489 353,283,090 24,807,086 323,833,799 499,378,457 176,551,019 214,079,052 4,147,186,220 CARTERA BRUTA 1,312,481,938 491,421,091 793,721,183 51,612,006 358,857,466 25,865,779 322,651,940 513,471,857 184,826,152 222,028,188 4,276,937,600 CARTERA VIGENTE 1,294,141,391 484,917,963 780,148,902 48,247,740 340,128,610 24,736,950 307,019,306 486,408,466 166,438,884 217,324,461 4,149,512,673 CARTERA VENCIDA 8,741,476 5,814,679 6,764,291 2,322,867 7,062,599 92,585 8,113,336 6,744,947 10,257,736 3,069,721 58,984,237 CARTERA EN EJECUCIÓN 6,314,419 688,449 5,959,630 367,180 4,351,094-1,615,322 5,866,464 2,395,682 1,584,773 29,143,013 CARTERA REPROGRAMADA O REESTRUCTURADA VIGENTE 2,940,540-723,711 629,494 5,739,212 984,357 4,947,259 11,808,979 5,733,849 49,233 33,556,635 CARTERA REPROGRAMADA O REESTRUCTURADA VENCIDA 123,692-101,671 28,276 644,435 51,887 694,552 1,310,843 - - 2,955,355 CARTERA REPROGRAMADA O REESTRUCTURARADA EN EJECUCIÓN 220,420-22,979 16,448 931,515-262,166 1,332,158 - - 2,785,687 PRODUCTOS DEVENGADOS POR COBRAR CARTERA 19,113,103 7,214,040 8,465,232 866,445 6,052,081 171,311 9,699,314 12,037,083 5,253,005 3,652,056 72,523,671 PREVISIÓN PARA CARTERA INCOBRABLE -50,808,562-16,683,729-57,851,070-4,297,961-11,626,456-1,230,004-8,517,455-26,130,483-13,528,137-11,601,192-202,275,051 OTRAS CUENTAS POR COBRAR 9,494,377 3,745,343 6,235,174 1,779,267 1,076,794 441,068 1,866,248 13,025,748 1,415,382 791,900 39,871,301 BIENES REALIZABLES - 132,479 4 6,860 239,205 - - 111,913 285,022-775,484 INVERSIONES PERMANENTES 12,681,783 340,100 804,710 258,873 3,423,379 10,976 52,233 78,547 303,495 170,947 18,125,045 BIENES DE USO 30,910,992 9,922,734 28,378,473 3,552,747 6,264,635 1,274,871 8,798,490 8,758,213 6,566,278 3,867,202 108,294,636 OTROS ACTIVOS 8,805,051 799,366 6,103,602 292,538 1,126,101 165,558 1,162,681 3,338,666 577,200 593,930 22,964,693 TOTAL DEL ACTIVO 1,413,532,084 525,812,780 876,080,474 56,453,434 388,765,887 30,066,697 350,895,609 550,523,594 193,776,218 239,461,486 4,625,368,264 PASIVO OBLIGACIONES CON EL PÚBLICO - - 63,271 - - - - - 87,097-150,368 OBLIGACIONES CON INSTITUCIONES FISCALES - - - - - - - - - - - OBLIGACIONES CON BANCOS Y ENTIDADES DE FINANCIAMIENTO 1,085,417,394 397,550,952 469,699,925 44,809,446 317,054,423 23,907,685 295,841,071 447,513,862 160,138,403 183,779,815 3,425,712,976 OTRAS CUENTAS POR PAGAR 56,207,850 24,220,028 29,411,024 1,417,764 5,536,278 716,861 9,690,836 14,278,251 3,893,177 5,489,774 150,861,843 PREVISIONES 24,320,086 7,233,484 8,772,533 - - 431,380 4,154 - - 2,380,878 43,142,515 TÍTULOS DE DEUDA EN CIRCULACIÓN - - - - - - - 8,146,070 - - 8,146,070 OBLIGACIONES SUBORDINADAS - - - 1,733,343 11,775,464-12,831,825 17,485,949 2,737,606-46,564,188 TOTAL DEL PASIVO 1,165,945,330 429,004,465 507,946,752 47,960,552 334,366,166 25,055,927 318,367,886 487,424,132 166,856,282 191,650,467 3,674,577,959 PATRIMONIO CAPITAL SOCIAL 232,821,945 61,335,621 310,283,084-33,523,627 3,195,099 25,578,043 18,645,729 20,083,853 41,191,240 746,658,242 APORTES NO CAPITALIZADOS - - - 87,561 1,394,000 195,895 15,060,271 9,475,666 1,319,759-27,533,152 AJUSTES AL PATRIMONIO - - - - - - - - - - - RESERVAS 7,780,484 26,694,335 18,337,446 8,202,481 19,284,186 2,030,699 253,929 27,791,844 8,729,149 3,746,961 122,851,514 RESULTADOS ACUMULADOS 6,984,326 8,778,360 39,513,191 202,840 197,909-410,923-8,364,520 7,186,223-3,212,826 2,872,817 53,747,397 TOTAL DEL PATRIMONIO 247,586,755 96,808,315 368,133,721 8,492,882 54,399,721 5,010,770 32,527,723 63,099,462 26,919,936 47,811,019 950,790,305 TOTAL DEL PASIVO Y PATRIMONIO 1,413,532,085 525,812,780 876,080,474 56,453,434 388,765,887 30,066,697 350,895,610 550,523,594 193,776,218 239,461,486 4,625,368,264
CUADRO Nº 2 GANANCIAS Y PÉRDIDAS (En Bolivianos) CRECER PRO MUJER DIACONIA EMPRENDER IDEPRO IMPRO SARTAWI CIDRE FONDECO FUBODE TOTAL INGRESOS FINANCIEROS 56,830,807 27,360,431 27,512,745 2,818,392 11,134,513 791,633 10,887,208 15,863,611 5,331,848 9,899,557 168,430,746 GASTOS FINANCIEROS -11,978,574-4,948,592-5,054,355-636,200-3,411,719-239,848-4,205,126-4,742,785-1,732,854-2,406,996-39,357,051 RESULTADO FINACIERO BRUTO 44,852,233 22,411,839 22,458,390 2,182,192 7,722,794 551,786 6,682,081 11,120,826 3,598,994 7,492,561 129,073,695 OTROS INGRESOS OPERATIVOS 573,878 15,289 138,832 957,656 544,701 136,851 421,897 2,115,968 231,120 97,716 5,233,906 OTROS GASTOS OPERATIVOS -1,519,157-1,661,873-98,396-109,087-51,489-17,519-211,068-241,433-90,547-93,368-4,093,938 RESULTADO DE OPERACIÓN BRUTO 43,906,953 20,765,255 22,498,825 3,030,761 8,216,006 671,118 6,892,910 12,995,360 3,739,567 7,496,909 130,213,663 RECUPERACIÓN DE ACTIVOS FINANCIEROS 5,827,120 1,106,233 4,012,005 45,835 3,858,022 6,657 554,990 17,447,110 387,265 4,991,887 38,237,125 CARGOS POR INCOB.Y DESVALORIZACIÓN DE ACTIVOS FINANCIEROS -8,874,247-1,727,069-5,157,700-623,005-5,203,463-536,204-1,883,664-19,550,008-3,041,540-5,706,002-52,302,902 RESULTADO DE OPERACIÓN DESPUÉS DE INCOBRABLES 40,859,826 20,144,419 21,353,130 2,453,591 6,870,565 141,571 5,564,236 10,892,463 1,085,292 6,782,794 116,147,886 GASTOS DE ADMINISTRACIÓN -33,102,196-16,882,562-15,228,988-2,363,759-6,672,709-582,618-5,445,430-9,956,886-3,614,008-6,408,299-100,257,455 RESULTADO DE OPERACIÓN NETO 7,757,630 3,261,857 6,124,142 89,832 197,856-441,047 118,806 935,577-2,528,716 374,494 15,890,432 ABONOS POR DIFERENCIA DE CAMBIO Y MANTENIMIENTO DE VALOR 44,932 21 804 98 52 - - - - - 45,907 CARGOS POR DIFERENCIA DE CAMBIO Y MANTENIMIENTO DE VALOR -18-1 -5,995 - -0 - - - - - -6,014 RESULTADO DESPUES DE AJUSTE POR DIFERENCIA DE CAMBIO Y MANTENIMIENTO DE VALOR 7,802,544 3,261,877 6,118,951 89,930 197,909-441,047 118,806 935,577-2,528,716 374,494 15,930,325 INGRESOS EXTRAORDINARIOS 11,193 12,362 248 - - - - - - - 23,802 GASTOS EXTRAORDINARIOS -15,437 - - - - - - - - - -15,437 RESULTADO NETO DEL EJERCICIO ANTES DE AJUSTES DE GESTIONES ANTERIORES 7,798,300 3,274,239 6,119,198 89,930 197,909-441,047 118,806 935,577-2,528,716 374,494 15,938,690 INGRESOS DE GESTIONES ANTERIORES 949,351 3,295 75,877 - - - 894 32,673 1,514-1,063,604 GASTOS DE GESTIONES ANTERIORES -187,765-8,383-41,047 - - - -105,789-253,014-7,125-1,608-604,731 RESULTADO ANTES DE IMPUESTOS Y AJUSTES CONTABLE POR EFECTO DE INFLACIÓN 8,559,886 3,269,151 6,154,028 89,930 197,909-441,047 13,912 715,236-2,534,327 372,886 16,397,564 ABONOS POR AJUSTE POR INFLACIÓN - - - - - - - - - - - CARGOS POR AJUSTE POR INFLACIÓN - - - - - - - - - - - RESULTADO ANTES DE IMPUESTOS 8,559,886 3,269,151 6,154,028 89,930 197,909-441,047 13,912 715,236-2,534,327 372,886 16,397,564 IMPUESTO SOBRE LAS UTILIDADES DE LAS EMPRESAS -1,575,560 - -1,651,241 - - - - - - - -3,226,801 RESULTADO NETO DE LA GESTIÓN 6,984,326 3,269,151 4,502,787 89,930 197,909-441,047 13,912 715,236-2,534,327 372,886 13,170,763
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 2.45% 4.74% 4.92% 2.33% 5.80% 5.36% 4.32% 4.65% 3.58% 8.32% 4.23% Inversiones Temporarias/Total Activo 2.56% 0.76% 5.38% 1.89% 0.20% 5.84% 0.01% 0.05% 0.59% 0.02% 2.00% Cartera / Total Activo 90.61% 91.66% 84.96% 85.35% 90.87% 82.51% 92.29% 90.71% 91.11% 89.40% 89.66% Otras Cuentas por cobrar / Total Activo 0.67% 0.71% 0.71% 3.15% 0.28% 1.47% 0.53% 2.37% 0.73% 0.33% 0.86% Bienes Realizables / Total Activo 0.00% 0.03% 0.00% 0.01% 0.06% 0.00% 0.00% 0.02% 0.15% 0.00% 0.02% Inversiones Permanentes / Total Activo 0.90% 0.06% 0.09% 0.46% 0.88% 0.04% 0.01% 0.01% 0.16% 0.07% 0.39% Bienes de Uso / Total Activo 2.19% 1.89% 3.24% 6.29% 1.61% 4.24% 2.51% 1.59% 3.39% 1.61% 2.34% Otros Activos / Total Activo 0.62% 0.15% 0.70% 0.52% 0.29% 0.55% 0.33% 0.61% 0.30% 0.25% 0.50% ESTRUCTURA DE PASIVOS Oblig.con Bancos y Ent.Fin./Pasivo+Patrimonio 76.79% 75.61% 53.61% 79.37% 81.55% 79.52% 84.31% 81.29% 82.64% 76.75% 74.06% Obligaciones subordinadas/pasivo+patrimonio 0.00% 0.00% 0.00% 3.07% 3.03% 0.00% 3.66% 3.18% 1.41% 0.00% 1.01% CALIDAD DE CARTERA Cartera Vigente / Cartera Bruta 98.83% 98.68% 98.38% 94.70% 96.38% 99.44% 96.69% 97.03% 93.15% 97.90% 97.81% Cartera reprogramada o reestructurada / Cartera Bruta 0.25% 0.00% 0.11% 1.31% 2.04% 4.01% 1.83% 2.81% 3.10% 0.02% 0.92% Cartera Vencida / Cartera Bruta 0.68% 1.18% 0.87% 4.56% 2.15% 0.56% 2.73% 1.57% 5.55% 1.38% 1.45% Cartera en Ejecución / Cartera Bruta 0.50% 0.14% 0.75% 0.74% 1.47% 0.00% 0.58% 1.40% 1.30% 0.71% 0.75% Cartera Vencida Total + Ejecución Total / Cartera Bruta 1.17% 1.32% 1.62% 5.30% 3.62% 0.56% 3.31% 2.97% 6.85% 2.10% 2.19% Cartera Reprog. o Reestructurada Vigente / Cartera Vigente Total 0.23% 0.00% 0.09% 1.29% 1.66% 3.83% 1.59% 2.37% 3.33% 0.02% 0.80% Cartera Reprog. o Reestruct. Vencida y Ejec. / Cartera Reprog. o Reestruct. 10.48% 0.00% 14.69% 6.63% 21.54% 5.01% 16.20% 18.29% 0.00% 0.00% 14.61% Prod. Financieros Devengados por Cobrar Cartera / Cartera Bruta 1.46% 1.47% 1.07% 1.68% 1.69% 0.66% 3.01% 2.34% 2.84% 1.64% 1.70% Prev.Cartera Incobrable / Cartera Bruta 4.50% 3.74% 7.29% 8.33% 3.24% 5.04% 2.64% 5.09% 7.32% 5.23% 4.96% Previsión cartera incobrable / Cartera en Mora 383.62% 282.60% 450.25% 157.16% 89.51% 901.90% 79.71% 171.30% 106.91% 249.25% 226.18% LIQUIDEZ Disponibilidades / Pasivo 2.97% 5.81% 8.48% 2.74% 6.75% 6.43% 4.76% 5.25% 4.16% 10.39% 5.33% Disponibilidades + Inversiones Temporarias / Pasivo 6.08% 6.74% 17.76% 4.97% 6.98% 13.44% 4.77% 5.30% 4.84% 10.41% 7.84% Disponibilidades + Inversiones Temporarias / Activo 5.01% 5.50% 10.30% 4.22% 6.01% 11.20% 4.33% 4.69% 4.17% 8.33% 6.23% SOLVENCIA Patrimonio/Activo 17.52% 18.41% 42.02% 15.04% 13.99% 16.67% 9.27% 11.46% 13.89% 19.97% 20.56% Patrimonio/Activo+Contingente 17.52% 18.41% 42.02% 15.04% 13.99% 16.67% 9.27% 11.46% 13.89% 19.97% 20.56% Cartera Vencida+Ejecución/Patrimonio 6.22% 6.72% 3.49% 32.20% 23.88% 2.88% 32.85% 24.18% 47.00% 9.74% 9.87% Cartera vencida + Ejec. reprog. o reestruct. / Patrimonio 0.14% 0.00% 0.03% 0.53% 2.90% 1.04% 2.94% 4.19% 0.00% 0.00% 0.60% Cartera Vencida+Ejecución-Prev/Patrimonio 2.19% 0.94% 0.62% 5.17% 8.57% 1.50% 12.44% 9.48% 29.11% 1.72% 3.42% Coeficiente de adecuación patrimonial (1) 17.23% 17.54% 41.62% 15.24% 14.17% 19.13% 14.40% 14.26% 18.33% 20.23% 21.08% Coeficiente de adecuación patrimonial (2) 18.44% 17.54% 41.62% 15.24% 14.71% 19.13% 13.73% 14.26% 18.08% 20.23% n.d. ESTRUCTURA FINANCIERA Activo Productivo / Activo + Contingente 94.61% 92.62% 93.21% 87.64% 89.23% 90.32% 88.63% 89.37% 88.25% 90.55% 92.00% Pasivo con Costo / Pasivo + Contingente 88.27% 90.53% 87.73% 95.82% 96.41% 94.28% 94.93% 94.51% 95.77% 93.48% 91.36% Activo Productivo - Pasivo con Costo / Pasivo con Costo 29.95% 25.39% 83.24% 7.67% 7.61% 14.96% 2.90% 6.81% 7.02% 21.03% 26.76% Activo Improductivo / Patrimonio 30.76% 40.11% 16.16% 82.14% 76.95% 58.08% 122.71% 92.72% 84.55% 47.34% 38.92% RENTABILIDAD Resultado Financiero Bruto / (Activo+Contingente) 18.70% 25.27% 15.51% 22.46% 11.87% 10.93% 11.56% 11.87% 10.93% 18.70% 16.60% Resultado de Operación Bruto / (Activo+Contingente) 18.31% 23.42% 15.54% 31.19% 12.62% 13.30% 11.92% 13.87% 11.36% 18.71% 16.74% Result. de Operación después de Incobrables / (Activo+Contingente) 17.04% 22.72% 14.75% 25.25% 10.56% 2.80% 9.62% 11.63% 3.30% 16.93% 14.94% Resultado de Operación Neto / (Activo+Contingente) 3.23% 3.68% 4.23% 0.92% 0.30% -8.74% 0.21% 1.00% -7.68% 0.93% 2.04% Result. de Operación Neto antes de Impuestos (Activo+Contingente) 3.57% 3.69% 4.25% 0.93% 0.30% -8.74% 0.02% 0.76% -7.70% 0.93% 2.11% Resultado Neto de la Gestión / (Activo+Contingente) [ROA] 2.91% 3.69% 3.11% 0.93% 0.30% -8.74% 0.02% 0.76% -7.70% 0.93% 1.69% Resultado Neto de la Gestión / Patrimonio [ROE] 17.17% 20.61% 7.38% 6.39% 2.19% -50.59% 0.26% 6.84% -53.95% 4.70% 8.37% RESULTADOS Ingresos Financieros / Activo+Contingente 23.70% 30.85% 19.00% 29.01% 17.11% 15.68% 18.83% 16.93% 16.19% 24.70% 21.66% Ingresos Financieros / Cartera Bruta 25.47% 32.75% 20.88% 32.37% 18.48% 18.38% 20.31% 18.54% 17.06% 26.70% 23.42% Resultado Neto / Ingresos Financieros 12.29% 11.95% 16.37% 3.19% 1.78% -55.71% 0.13% 4.51% -47.53% 3.77% 7.82% Gastos Financieros / Activo+Contingente -4.99% -5.58% -3.49% -6.55% -5.24% -4.75% -7.27% -5.06% -5.26% -6.01% -5.06% Gastos Financieros / Pasivos con costo promedio 6.75% 7.44% 6.85% 8.01% 6.31% 6.08% 8.47% 6.00% 6.39% 7.97% 6.91% Ajustes netos por inflación y por diferencias de cambio / Activo+Contingen 0.02% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% Cargos por Incob.Netos de Recuper. / Activo+Contingente -1.27% -0.70% -0.79% -5.94% -2.07% -10.49% -2.30% -2.24% -8.06% -1.78% -1.81% Otros Ingresos Operativos Netos / Activo+Contingente -0.39% -1.86% 0.03% 8.73% 0.76% 2.36% 0.36% 2.00% 0.43% 0.01% 0.15% Gastos de Administración / Activo+Contingente -13.80% -19.04% -10.52% -24.33% -10.25% -11.54% -9.42% -10.63% -10.98% -15.99% -12.89% Ing.Extraord. Y de Gest.Ant.Netos / Activo+Contingente 0.32% 0.01% 0.02% 0.00% 0.00% 0.00% -0.18% -0.24% -0.02% 0.00% 0.06% Deprec.y Desval.Bienes de Uso / Bienes de uso-terrenos 21.39% 21.85% 20.89% 27.05% 20.95% 14.11% 25.95% 25.52% 15.73% 29.52% 22.08% INGRESOS Y GASTOS FINANCIEROS Productos por Cartera Vigente / Cartera Vigente 25.59% 33.08% 21.00% 34.37% 18.62% 18.15% 20.74% 18.54% 17.66% 27.00% 23.68% Productos por Cartera Reprog. Y Reestruct. Vigente / Cartera Reprog.y Rees 17.05% 0.00% 20.28% 0.00% 17.79% 18.18% 14.84% 8.64% 16.74% 25.85% 13.61% Productos por Cartera Vencida y en Ejecución / Cartera Vencida y en Ejecu 9.23% 5.21% 7.37% 0.34% 11.46% 41.20% 10.17% 32.45% 2.88% 10.40% 11.70% Productos por Cartera Reprog. Y Reestruct. Vencida y en Ejec. / Cartera Rep 12.37% 0.00% 2.45% 36.41% 21.47% 11.40% 4.77% 1.21% 24.29% 0.00% 8.96% Int. Penales Cartera Vencida Total /Productos cartera vencida total 2.84% 0.00% 1.75% 76.70% 0.00% 0.00% 0.82% 0.20% 2.00% 12.32% 1.42% Int. Penales Cartera en Ejecución Total /Productos cartera en Ejecución 2.70% 0.00% 1.41% 0.00% 0.00% 0.00% 1.10% 0.65% 0.12% 3.11% 1.50% Int. Penales Cartera Vencida Total y en Ejecución Total /Productos cartera 2.78% 0.00% 1.68% 76.70% 0.00% 0.00% 0.83% 0.26% 1.41% 10.06% 1.44% 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) 13.80% 19.04% 10.52% 24.33% 10.25% 11.54% 9.42% 10.63% 10.98% 15.99% 12.89% Gastos de Administración/Activo Productivo Promedio neto de Conting 14.50% 20.40% 11.28% 28.22% 11.38% 12.90% 10.51% 12.09% 12.20% 17.65% 13.97% Gastos de Administración/(Cartera+Contingente) 14.84% 20.21% 11.56% 27.15% 11.07% 13.53% 10.16% 11.64% 11.56% 17.28% 13.94% ESTRUCTURA DE GASTOS DE ADMINISTRACIÓN Gastos de Personal/Gastos de Administración 76.93% 72.52% 66.46% 61.53% 62.06% 62.10% 63.98% 63.62% 58.17% 71.08% 70.08% Deprec.y Amortizaciones/Gastos de Administración 4.29% 3.01% 9.43% 6.14% 4.50% 5.19% 6.36% 6.89% 7.64% 3.33% 5.35% Otros Gastos Administración/Gastos de Administración 18.77% 24.47% 24.11% 32.33% 33.45% 32.72% 29.66% 29.49% 34.19% 25.60% 24.57% Gastos de Administración/Total Egresos(4) 57.82% 66.92% 55.92% 63.34% 43.50% 42.34% 45.95% 28.66% 42.59% 43.84% 50.16% CÁLCULO SPREAD EFECTIVO (1) SPREAD EFECTIVO 18.08% 23.42% 15.57% 30.63% 12.42% 13.30% 11.19% 13.69% 11.04% 18.71% 16.57% MARGEN FINANCIERO (5) 18.48% 25.27% 15.51% 21.89% 11.66% 11.08% 10.83% 11.69% 10.61% 18.70% 16.42% Margen Financiero en Activos ProductivosPromedio Neto de Contin 19.56% 27.42% 16.77% 26.40% 13.10% 12.71% 12.63% 13.22% 12.20% 21.06% 17.98% Ingreso Financiero Promedio en Activos Productivos Neto de Cont 24.56% 33.00% 20.23% 32.95% 18.34% 17.32% 19.90% 18.28% 17.47% 27.07% 23.04% Costo Promedio de Fondos (7) -4.99% -5.58% -3.46% -6.55% -5.24% -4.61% -7.27% -5.06% -5.26% -6.01% -5.05% MARGEN OPERATIVO -0.39% -1.86% 0.06% 8.73% 0.76% 2.22% 0.36% 2.00% 0.43% 0.01% 0.15% UTILIZACIÓN DEL SPREAD EFECTIVO (1) SPREAD EFECTIVO 18.08% 23.42% 15.57% 30.63% 12.42% 13.30% 11.19% 13.69% 11.04% 18.71% 16.57% Incobrabilidad -1.05% -0.70% -0.76% -5.37% -1.86% -10.49% -1.57% -2.06% -7.74% -1.78% -1.62% Gastos administrativos -13.80% -19.04% -10.52% -24.33% -10.25% -11.54% -9.42% -10.63% -10.98% -15.99% -12.89% Resultados extraordinarios 0.00% 0.01% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% Resultados gestiones anteriores 0.32% -0.01% 0.02% 0.00% 0.00% 0.00% -0.18% -0.24% -0.02% 0.00% 0.06% 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
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 44,102,640 43,643,877 10,481 367,338-80,944 - CHUQUISACA 164,056,606 162,585,481 21,314 1,104,605-345,205 - COCHABAMBA 263,763,390 252,474,477 2,641,305 5,229,163 195,456 3,038,297 184,693 LA PAZ 825,663,769 804,758,175 4,994,773 7,682,177 309,961 7,237,889 680,795 ORURO 252,164,408 248,802,660 335,352 1,504,856 219,432 1,302,109 - PANDO 38,858,353 36,190,759 579,323 1,225,823 133,910 659,907 68,631 POTOSÍ 78,681,076 76,189,900 93,508 1,698,388-699,280 - SANTA CRUZ 388,441,344 378,512,549 2,855,285 4,934,106 275,853 1,612,628 250,923 TARIJA 144,961,013 139,584,728 1,905,260 2,438,165 166,384 820,738 45,737 TOTAL 2,200,692,599 2,142,742,606 13,436,600 26,184,621 1,300,996 15,796,997 1,230,778 100% 97.37% 0.61% 1.19% 0.06% 0.72% 0% ESTADO DE CARTERA POR DEPARTAMENTO: NIVEL RURAL BENI 168,144,623 162,965,904 913,044 1,887,304 50,090 2,148,773 179,508 CHUQUISACA 95,942,709 93,799,239 1,202,542 667,097 63,872 209,958 - COCHABAMBA 356,875,795 347,810,470 3,281,148 2,764,160 310,822 2,354,847 354,348 LA PAZ 468,187,411 457,448,056 1,890,870 6,036,564 362,107 2,345,797 104,016 ORURO 110,066,275 108,315,481 399,049 1,039,153 10,604 301,989 - PANDO 21,180,895 20,485,770 340,431 240,397 29,286 85,012 - POTOSÍ 143,759,478 141,228,282 955,833 1,252,128 148,493 174,742 - SANTA CRUZ 574,182,529 540,008,975 10,232,186 17,307,842 484,276 5,336,616 812,634 TARIJA 137,905,288 134,707,891 904,932 1,604,973 194,807 388,282 104,402 TOTAL 2,076,245,003 2,006,770,068 20,120,034 32,799,618 1,654,359 13,346,017 1,554,908 100% 96.65% 0.97% 1.58% 0.08% 0.64% 0% ESTADO DE CARTERA POR DEPARTAMENTO TOTAL NACIONAL BENI 212,247,263 206,609,781 923,525 2,254,642 50,090 2,229,718 179,508 CHUQUISACA 259,999,315 256,384,720 1,223,856 1,771,702 63,872 555,163 - COCHABAMBA 620,639,185 600,284,947 5,922,453 7,993,322 506,279 5,393,144 539,040 LA PAZ 1,293,851,180 1,262,206,231 6,885,643 13,718,741 672,068 9,583,686 784,811 ORURO 362,230,684 357,118,141 734,400 2,544,009 230,036 1,604,098 - PANDO 60,039,249 56,676,529 919,753 1,466,220 163,196 744,919 68,631 POTOSÍ 222,440,554 217,418,182 1,049,340 2,950,517 148,493 874,022 - SANTA CRUZ 962,623,872 918,521,524 13,087,471 22,241,948 760,129 6,949,244 1,063,557 TARIJA 282,866,300 274,292,619 2,810,193 4,043,138 361,191 1,209,020 150,139 TOTAL 4,276,937,602 4,149,512,673 33,556,634 58,984,239 2,955,355 29,143,014 2,785,687 100% 97.02% 0.78% 1.38% 0.07% 0.68% 0%
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 540,430,398 534,058,714 973,813 2,875,764 407 2,486,663 35,037 PRO MUJER 382,185,789 377,289,086-4,685,158-211,546 - DIACONIA 572,696,600 563,873,941 366,643 3,994,155-4,461,861 - EMPRENDER 35,946,320 33,378,503 502,563 1,653,349 28,276 367,180 16,448 IDEPRO 182,805,502 172,622,524 2,891,504 4,343,748 331,487 2,416,186 200,054 IMPRO 20,943,061 19,884,513 919,702 86,958 51,887 - - SARTAWI 82,710,330 77,277,339 1,000,545 3,338,954 102,216 991,276 - CIDRE 244,514,614 229,194,137 6,540,460 3,336,502 786,723 3,677,551 979,240 FONDECO 16,102,889 15,812,422 192,137 56,503-41,827 - FUBODE 122,357,098 119,351,427 49,233 1,813,531-1,142,907 - TOTAL 2,200,692,599 2,142,742,606 13,436,600 26,184,621 1,300,996 15,796,997 1,230,778 100% 97.37% 0.61% 1.19% 0.06% 0.72% 0% ESTADO DE CARTERA POR ENTIDAD: NIVEL RURAL CRECER 772,051,540 760,082,677 1,966,727 5,865,712 123,285 3,827,756 185,384 PRO MUJER 109,235,302 107,628,877-1,129,522-476,903 - DIACONIA 221,024,584 216,274,961 357,068 2,770,136 101,671 1,497,769 22,979 EMPRENDER 15,665,688 14,869,238 126,932 669,518 - - - IDEPRO 176,051,960 167,506,082 2,847,707 2,718,852 312,948 1,934,908 731,462 IMPRO 4,922,718 4,852,437 64,655 5,626 - - - SARTAWI 239,941,610 229,741,967 3,946,714 4,774,382 592,335 624,046 262,166 CIDRE 268,957,244 257,214,329 5,268,519 3,408,445 524,120 2,188,913 352,918 FONDECO 168,723,267 150,626,466 5,541,712 10,201,234-2,353,855 - FUBODE 99,671,091 97,973,034-1,256,190-441,866 - TOTAL 2,076,245,003 2,006,770,068 20,120,034 32,799,618 1,654,359 13,346,017 1,554,908 100% 96.65% 0.97% 1.58% 0.08% 0.64% 0% ESTADO DE CARTERA POR ENTIDAD TOTAL NACIONAL CRECER 1,312,481,938 1,294,141,391 2,940,540 8,741,476 123,692 6,314,419 220,420 PRO MUJER 491,421,091 484,917,962-5,814,679-688,449 - DIACONIA 793,721,183 780,148,902 723,711 6,764,291 101,671 5,959,630 22,979 EMPRENDER 51,612,007 48,247,741 629,494 2,322,867 28,276 367,180 16,448 IDEPRO 358,857,462 340,128,606 5,739,211 7,062,600 644,435 4,351,094 931,515 IMPRO 25,865,779 24,736,950 984,357 92,585 51,887 - - SARTAWI 322,651,940 307,019,306 4,947,259 8,113,335 694,552 1,615,322 262,166 CIDRE 513,471,857 486,408,466 11,808,979 6,744,947 1,310,843 5,866,464 1,332,158 FONDECO 184,826,156 166,438,888 5,733,849 10,257,736-2,395,682 - FUBODE 222,028,189 217,324,461 49,233 3,069,721-1,584,774 - TOTAL 4,276,937,602 4,149,512,673 33,556,634 58,984,239 2,955,355 29,143,014 2,785,687 100% 97.02% 0.78% 1.38% 0.07% 0.68% 0%
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 1,283,165,048 13,150,635 5,344,913 1,446,870 1,970,978 7,403,495 1,312,481,938 PRO MUJER 475,749,467 7,867,673 1,658,698 316,473 302,665 5,526,115 491,421,091 DIACONIA 776,184,433 4,894,451 1,868,413 103,869 461,774 10,208,244 793,721,183 EMPRENDER 48,365,665 511,571 342,195 55,781 104,501 2,232,295 51,612,007 IDEPRO 336,161,693 9,288,211 3,766,994 368,011 1,281,945 7,990,608 358,857,462 IMPRO 24,907,453 813,854 2,536 141,935 - - 25,865,779 SARTAWI 306,129,860 6,661,823 3,306,718 378,411 510,970 5,664,158 322,651,940 CIDRE 483,538,123 14,362,692 3,450,999 873,640 2,042,258 9,204,145 513,471,857 FONDECO 168,217,809 2,378,122 9,990,076 330,093 603,448 3,306,609 184,826,156 FUBODE 215,414,318 2,111,661 585,439 247,741 372,359 3,296,671 222,028,188 TOTAL 4,117,833,868 62,040,693 30,316,982 4,262,824 7,650,897 54,832,338 4,276,937,601 96.28% 1.45% 0.71% 0.10% 0.18% 1.28% 100% n.d. - No disponible
GRÁFICO Nº 1 Calificación de cartera de las IFD A 96% Otras Categorías 4%
GRÁFICO Nº 2 Evolución de Cartera Bruta Urbana y Rural (En Millones de Bolivianos) 5000.0 4500.0 4000.0 4,099 4,353 4,277 3500.0 3,656 Millones 3000.0 2500.0 2000.0 1500.0 1000.0 500.0-2,891 2,063 2,236 2,241 2,113 2,201 2,076 1,939 1,717 2,036 1,624 1,549 1,245 1,250 1,342 1,055 987 986 885 749 763 521 609 650 637 267 305 510 398 375 405 483 254 303 351 dic-04 dic-05 dic-06 dic-07 dic-08 dic-09 dic-10 dic-11 dic-12 dic-13 dic-14 dic-15 feb-16 Cartera Bruta Cartera Bruta Urbana Cartera Bruta Rural
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 4,151 2,951 5,527 3,074 9,678 6,025 15,703 CRECER 14,088 55,557 19,517 74,778 33,605 130,335 163,940 DIACONIA 22,591 30,828 8,748 5,604 31,339 36,432 67,771 EMPRENDER 1,874 5,486 914 1,559 2,788 7,045 9,833 FONDECO 323 713 1,840 2,413 2,163 3,126 5,289 FUBODE 6,159 20,648 4,767 7,852 10,926 28,500 39,426 IDEPRO 3,451 2,600 4,786 1,972 8,237 4,572 12,809 IMPRO 979 993 322 254 1,301 1,247 2,548 PRO MUJER 8,331 79,657 3,065 25,751 11,396 105,408 116,804 SARTAWI 3,095 5,661 6,803 4,897 9,898 10,558 20,456 TOTAL 65,042 205,094 56,289 128,154 121,331 333,248 454,579 DEPARTAMENTO URBANO RURAL NACIONAL HOMBRES MUJERES HOMBRES MUJERES HOMBRES MUJERES TOTAL CLIENTES BENI 916 8,050 4,757 18,272 5,673 26,322 31,995 CHUQUISACA 5,462 15,040 2,928 4,266 8,390 19,306 27,696 COCHABAMBA 9,135 23,154 10,331 17,829 19,466 40,983 60,449 LA PAZ 26,708 67,175 15,059 24,614 41,767 91,789 133,556 ORURO 6,606 19,684 2,623 3,042 9,229 22,726 31,955 PANDO 982 4,064 666 1,158 1,648 5,222 6,870 POTOSI 2,557 8,978 4,267 8,527 6,824 17,505 24,329 SANTA CRUZ 8,463 46,936 11,440 38,219 19,903 85,155 105,058 TARIJA 4,213 12,013 4,218 12,227 8,431 24,240 32,671 TOTAL 65,042 205,094 56,289 128,154 121,331 333,248 454,579
GRÁFICO Nº 3 Evolución de número de prestatarios urbanos y rurales 500000.0 450000.0 445,864 472,114 452,693 452,583 454,579 400000.0 408,208 350000.0 300000.0 250000.0 246,823 288,430 306,990 291,696 328,747 250,184 267,689 308,253 271,946 269,039 270,136 200000.0 150000.0 100000.0 50000.0 174,335 108,878 65,457 216,611 157,604 129,831 86,780 89,219 209,127 195,323 185,779 102,651 97,863 96,373 219,552 109,195 158,024 178,175 163,861 180,747 183,544 184,443 - dic-04 dic-05 dic-06 dic-07 dic-08 dic-09 dic-10 dic-11 dic-12 dic-13 dic-14 dic-15 feb-16 Clientes Clientes Urbanos Clientes Rurales
GRÁFICO Nº 4 Evolución de número de prestatarios hombres, mujeres e institucionales 500000.0 450000.0 445,864 472,114 452,693 452,583 454,579 400000.0 408,208 350000.0 300000.0 250000.0 200000.0 150000.0 100000.0 50000.0 246,823 216,611 208,618 174,335 180,362 139,232 35,103 36,249 38,205 288,430 241,282 47,148 306,990 291,696 252,380 238,788 54,610 52,908 328,747 261,546 67,201 322,545 85,663 346,567 99,297 357,243 334,398 331,802 333,248 114,871 118,257 120,781 121,331 - dic-04 dic-05 dic-06 dic-07 dic-08 dic-09 dic-10 dic-11 dic-12 dic-13 dic-14 dic-15 feb-16 Clientes Clientes Mujeres Clientes Hombres Clientes Institucionales
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% 2.19% 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 feb-16
GRÁFICO Nº 6 Evolución de cobertura de previsiones sobre la cartera en mora (en Millones de Bolivianos) 250.0 200.0 202.275 193.634 150.0 164.063 Millones 100.0 50.0-111.962 80.298 64.282 44.112 62.709 53.921 41.504 36.909 38.394 42.526 36.653 40.80 42.826 45.653 34.568 30.042 25.101 28.930 20.907 22.136 23.106 93.868 69.802 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 feb-16
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% 23.42% 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% 13.94% 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 feb-16
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 8,335,013 112,955-2,002,754 24,375,868 51,455 54,496,676 293,288,806 23,016,984 92,860,424-30,021,628-2,307,608 9,522,693 37,535 - - 540,430,398 PRO MUJER - - 6,364 444,520 1,275,538 74,207 5,938,268 267,988,221 80,901,222 10,152,229 8,537 5,621,009 229,081 572,644 8,911,764 62,185 - - 382,185,789 DIACONIA 4,390,701 4,218-4,022,961 24,283,744 92,618 198,859,554 160,972,999 7,072,030 66,956,136 53,028 96,834,964 260,093 2,886,635 5,850,380 115,073-41,466 572,696,600 EMPRENDER 99,878 6,984 22,267 43,473 4,849,152-480,746 19,311,430 4,456,753 4,389,193 164,132 565,902 30,343 81,771 1,212,763 - - 231,535 35,946,320 IDEPRO 10,037,529 5,655,961-908,180 21,286,949-8,180,601 55,468,878 13,077,209 54,111,377 95,358 7,721,438 439,713 245,934 5,576,376 - - - 182,805,502 IMPRO 242,032 28,053-37,866 3,635,125-560,690 3,914,273 1,150,727 3,086,488-6,635,691 70,942 728,190 818,119 - - 34,864 20,943,061 SARTAWI 11,617,222 - - 379,892 5,034,452 34,001 10,288,680 33,936,354 5,371,920 9,132,272-4,363,485 10,696 157,621 2,327,385 52,856-3,493 82,710,330 CIDRE 24,344,014 3,198,573 33,728 3,931,618 22,298,010 34,300 39,236,131 46,236,677 9,317,815 65,646,848 125,453 21,096,592 74,598 712,000 8,165,186 63,069 - - 244,514,614 FONDECO 1,595,593 - - - 2,072,469-1,551,327 5,332,016 1,801,456 543,631-2,600,083 75,946 147,424 382,944 - - - 16,102,889 FUBODE 11,537,365 9,122-301,702 14,555,060-10,652,688 44,548,629 27,354,669 11,390,872-321,530 - - 1,390,963 12,344-282,153 122,357,098 TOTAL 72,199,347 9,015,866 62,360 12,072,968 123,666,367 286,581 330,245,363 930,998,282 173,520,786 318,269,469 446,507 175,782,322 1,191,412 7,839,826 44,158,573 343,063-593,510 2,200,692,599 3.28% 0.41% 0.00% 0.55% 5.62% 0.01% 15.01% 42.30% 7.88% 14.46% 0.02% 7.99% 0.05% 0.36% 2.01% 0.02% 0.00% 0.03% 100% CARTERA POR ENTIDAD: NIVEL RURAL CRECER 174,956,519 2,020,351-6,666,341 20,976,258 27,810 67,669,534 391,940,355 28,228,323 55,106,364-17,774,025-286,780 6,385,208 13,674 - - 772,051,540 PRO MUJER - - - 6,879 138,636 2,061 2,059,519 69,850,475 31,373,711 2,751,847-892,753 44,381 113,315 1,998,031 3,694 - - 109,235,302 DIACONIA 74,105,647 4,146,087-1,847,629 12,745,205 22,693 49,227,578 36,785,163 2,960,802 13,789,563 24,927 22,606,019 59,237 305,806 2,368,986 6,540-22,702 221,024,584 EMPRENDER 3,295,916 360,818-20,063 1,739,520 1,399 160,485 6,002,845 1,421,362 2,221,520-42,254-20,037 379,467 - - - 15,665,688 IDEPRO 103,997,571 15,493,909-156,576 8,412,146-2,544,011 17,405,497 5,471,964 20,027,921 4,666 1,681,652 66,283 97,377 692,387 - - - 176,051,960 IMPRO 3,075,199 27,801 - - 1,217,904-81,569 125,646 15,007 150,522-221,534-7,535 - - - - 4,922,718 SARTAWI 169,195,696 165,323-799,145 6,000,908 6,500 17,264,779 27,637,323 5,649,618 6,860,175 75,526 5,233,426 32,950 135,666 858,877 4,699-21,000 239,941,610 CIDRE 171,765,199 3,287,868-5,185,135 8,432,567 212,916 14,992,785 12,730,725 2,295,856 40,174,525 254,583 7,490,492 137,578 44,329 1,947,435 5,249 - - 268,957,244 FONDECO 134,530,968 77,703-24,344 2,526,576 1,203,454 7,931,840 9,310,744 5,228,712 2,975,462-3,788,025-148,885 976,554 - - - 168,723,267 FUBODE 50,946,389 100,626-2,977,296 7,330,986 7,860 6,156,261 18,872,153 7,297,811 5,075,765-158,817-42,963 638,471 17,692-48,000 99,671,091 TOTAL 885,869,104 25,680,486-17,683,409 69,520,707 1,484,692 168,088,360 590,660,926 89,943,166 149,133,664 359,702 59,888,998 340,429 1,202,694 16,245,415 51,548-91,702 2,076,245,003 42.67% 1.24% 0.00% 0.85% 3.35% 0.07% 8.10% 28.45% 4.33% 7.18% 0.02% 2.88% 0.02% 0.06% 0.78% 0.00% 0.00% 0.00% 100% CARTERA POR ENTIDAD: TOTAL NACIONAL CRECER 183,291,532 2,133,306-8,669,095 45,352,127 79,264 122,166,210 685,229,160 51,245,306 147,966,788-47,795,653-2,594,388 15,907,901 51,209 - - 1,312,481,938 PRO MUJER - - 6,364 451,399 1,414,173 76,268 7,997,787 337,838,696 112,274,933 12,904,077 8,537 6,513,762 273,462 685,959 10,909,795 65,879 - - 491,421,091 DIACONIA 78,496,348 4,150,305-5,870,590 37,028,949 115,311 248,087,131 197,758,162 10,032,832 80,745,699 77,955 119,440,983 319,330 3,192,441 8,219,365 121,614-64,168 793,721,183 EMPRENDER 3,395,794 367,802 22,267 63,537 6,588,672 1,399 641,231 25,314,275 5,878,114 6,610,713 164,132 608,156 30,343 101,808 1,592,230 - - 231,535 51,612,007 IDEPRO 114,035,100 21,149,870-1,064,756 29,699,095-10,724,612 72,874,375 18,549,173 74,139,298 100,024 9,403,090 505,996 343,311 6,268,763 - - - 358,857,462 IMPRO 3,317,232 55,854-37,866 4,853,029-642,259 4,039,919 1,165,735 3,237,010-6,857,226 70,942 735,725 818,119 - - 34,864 25,865,779 SARTAWI 180,812,917 165,323-1,179,037 11,035,361 40,501 27,553,460 61,573,677 11,021,538 15,992,446 75,526 9,596,911 43,646 293,287 3,186,263 57,555-24,493 322,651,940 ANED - - - - - - - - - - - - - - - - - - - CIDRE 196,109,213 6,486,441 33,728 9,116,754 30,730,577 247,216 54,228,916 58,967,402 11,613,671 105,821,373 380,036 28,587,084 212,176 756,330 10,112,622 68,319 - - 513,471,857 FONDECO 136,126,560 77,703-24,344 4,599,044 1,203,454 9,483,168 14,642,760 7,030,168 3,519,093-6,388,109 75,946 296,309 1,359,497 - - - 184,826,156 FUBODE 62,483,754 109,748-3,278,998 21,886,047 7,860 16,808,950 63,420,782 34,652,480 16,466,637-480,346-42,963 2,029,434 30,037-330,153 222,028,189 TOTAL 958,068,451 34,696,351 62,360 29,756,377 193,187,074 1,771,273 498,333,723 1,521,659,207 263,463,951 467,403,133 806,209 235,671,320 1,531,841 9,042,520 60,403,988 394,611-685,212 4,276,937,602 22.40% 0.81% 0.00% 0.70% 4.52% 0.04% 11.65% 35.58% 6.16% 10.93% 0.02% 5.51% 0.04% 0.21% 1.41% 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
GRÁFICO Nº 8 Destino de cartera urbana Servicios inmobiliarios, empresariales y de alquiler 8% Otras Actividades 20% Venta al por mayor y menor 42% Transporte, almacenamiento y comunicación 15% Construcción 15%
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%
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$ 100.001 y Entre US$ 50.001 y Entre US$ 30.001 y Entre US$ 20.001 y Entre US$ 15.001 y Entre US$ 10.001 y Entre US$ 5.001 y Entre US$ 4.001 y Entre US$ 3.001 y Entre US$ 2.001 y Entre US$ 1.001 y Entre US$ 501 y 200.001 US$ 200.000 US$ 100.000 US$ 50.000 US$ 30.000 US$ 20.000 US$ 15.000 US$ 10.000 US$ 5.000 US$ 4.000 US$ 3.000 US$ 2.000 US$ 1.000 Menores a US$ 500 TOTAL CRECER - - 150,779 1,309,392 9,039,568 13,009,770 55,188,153 137,826,673 41,633,699 34,872,234 71,663,153 88,359,252 64,492,713 22,885,011 540,430,398 PRO MUJER - - - - - 423,825 578,708 8,659,553 4,212,482 13,951,033 53,919,682 104,053,034 154,538,654 41,848,819 382,185,789 DIACONIA - 2,484,384 7,723,219 28,516,729 32,689,590 35,129,571 58,224,544 152,343,899 40,968,191 44,318,940 60,424,577 59,963,389 36,562,562 13,347,005 572,696,600 EMPRENDER - - - - - 627,008 495,651 1,463,388 1,307,155 1,539,399 4,842,857 9,611,878 9,271,073 6,787,909 35,946,318 IDEPRO - - 15,698,428 9,674,010 8,336,193 20,706,991 32,582,716 59,248,507 8,337,493 16,741,688 7,096,957 4,038,274 313,446 30,800 182,805,502 IMPRO - - - - 201,035-667,051 4,621,450-1,653,929 1,428,742 10,681,877-1,688,976 20,943,061 SARTAWI - - 3,945,958 6,797,298 5,651,156 2,806,968 7,226,086 16,107,262 5,917,656 7,489,694 7,275,258 9,099,659 5,393,936 4,999,397 82,710,330 CIDRE 1,377,529 22,171,164 30,774,528 19,420,534 14,940,505 17,353,375 12,999,530 31,970,540 29,233,634 17,318,185 25,688,562 16,552,151 3,810,652 903,723 244,514,614 FONDECO - 1,568,769 883,500 2,827,220 1,176,216 367,212 540,853 1,940,501 282,745 682,599 1,668,960 2,145,791 1,417,281 601,243 16,102,889 FUBODE - - - - - - 241,929 11,988,532 7,996,762 8,643,472 10,570,569 23,315,147 30,976,580 28,624,107 122,357,098 TOTAL 1,377,529 26,224,317 59,176,412 68,545,183 72,034,264 90,424,721 168,745,220 426,170,307 139,889,817 147,211,171 244,579,318 327,820,451 306,776,897 121,716,990 2,200,692,597 0.06% 1.19% 2.69% 3.11% 3.27% 4.11% 7.67% 19.37% 6.36% 6.69% 11.11% 15% 14% 6% 100% CARTERA POR ENTIDAD: NIVEL RURAL CRECER - - - 885,330 7,970,742 9,809,263 101,872,479 188,513,225 67,678,092 54,637,219 99,707,109 124,373,221 88,740,677 27,864,183 772,051,540 PRO MUJER - - - - - - 59,670 1,170,762 348,840 3,120,597 12,882,855 26,980,104 51,206,970 13,465,503 109,235,302 DIACONIA - - 426,798 3,547,498 7,854,491 6,456,068 15,651,088 64,945,416 21,713,913 21,878,745 29,832,411 29,332,606 14,366,703 5,018,846 221,024,584 EMPRENDER - - - - - 121,157 73,690 1,072,438 520,238 899,836 2,626,996 4,906,543 3,569,092 1,875,697 15,665,688 IDEPRO - - 6,356,574 4,669,134 4,942,798 25,400,449 31,956,181 51,435,843 14,858,017 14,340,257 12,387,548 8,303,593 1,285,666 115,901 176,051,960 IMPRO - - - - - - - 64,155 93,026 792,847 515,975 2,865,033-591,683 4,922,718 SARTAWI - - 14,012,768 42,506,906 26,002,826 14,929,476 19,049,079 44,982,761 21,073,368 20,774,164 19,500,782 10,914,102 3,157,272 3,038,105 239,941,610 CIDRE 2,901,780 20,230,896 43,534,924 19,343,265 14,900,957 12,285,584 12,027,595 38,393,789 28,407,649 22,817,133 28,434,235 18,913,752 5,243,827 1,521,857 268,957,244 FONDECO - 2,753,813 19,327,843 26,224,645 22,577,663 14,495,374 20,193,200 29,174,400 5,805,103 6,669,002 7,414,414 7,175,088 4,402,005 2,510,717 168,723,267 FUBODE - - - - 326,808 130,920 1,453,621 23,056,300 10,885,660 11,354,721 11,746,975 16,919,168 13,753,159 10,043,758 99,671,091 TOTAL 2,901,780 22,984,709 83,658,907 97,176,779 84,576,286 83,628,292 202,336,602 442,809,089 171,383,905 157,284,524 225,049,300 250,683,211 185,725,371 66,046,250 2,076,245,004 0.14% 1.11% 4.03% 4.68% 4.07% 4.03% 9.75% 21.33% 8.25% 7.58% 10.84% 12% 9% 3% 100% CARTERA POR ENTIDAD: TOTAL NACIONAL CRECER - - 150,779 2,194,722 17,010,309 22,819,033 157,060,632 326,339,898 109,311,791 89,509,453 171,370,262 212,732,474 153,233,390 50,749,194 1,312,481,938 PRO MUJER - - - - - 423,825 638,378 9,830,315 4,561,322 17,071,631 66,802,537 131,033,138 205,745,624 55,314,322 491,421,091 DIACONIA - 2,484,384 8,150,016 32,064,227 40,544,081 41,585,639 73,875,632 217,289,315 62,682,105 66,197,685 90,256,988 89,295,995 50,929,265 18,365,851 793,721,183 EMPRENDER - - - - - 748,166 569,341 2,535,826 1,827,393 2,439,235 7,469,853 14,518,421 12,840,165 8,663,606 51,612,006 IDEPRO - - 22,055,002 14,343,144 13,278,992 46,107,440 64,538,896 110,684,349 23,195,510 31,081,945 19,484,505 12,341,867 1,599,112 146,701 358,857,462 IMPRO - - - - 201,035-667,051 4,685,604 93,026 2,446,776 1,944,717 13,546,909-2,280,659 25,865,779 SARTAWI - - 17,958,726 49,304,204 31,653,983 17,736,445 26,275,165 61,090,024 26,991,024 28,263,858 26,776,041 20,013,761 8,551,208 8,037,502 322,651,940 CIDRE 4,279,308 42,402,060 74,309,453 38,763,799 29,841,461 29,638,960 25,027,124 70,364,330 57,641,283 40,135,319 54,122,797 35,465,903 9,054,479 2,425,580 513,471,857 FONDECO - 4,322,582 20,211,343 29,051,865 23,753,879 14,862,586 20,734,053 31,114,901 6,087,847 7,351,601 9,083,373 9,320,880 5,819,286 3,111,960 184,826,156 FUBODE - - - - 326,808 130,920 1,695,550 35,044,832 18,882,422 19,998,193 22,317,544 40,234,315 44,729,739 38,667,866 222,028,189 TOTAL 4,279,308 49,209,026 142,835,318 165,721,962 156,610,549 174,053,013 371,081,823 868,979,395 311,273,722 304,495,695 469,628,618 578,503,663 492,502,268 187,763,240 4,276,937,601 0.10% 1.15% 3.34% 3.87% 3.66% 4.07% 8.68% 20.32% 7.28% 7.12% 10.98% 14% 12% 4% 100%
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 - - - - - - - - - - - 267,178,614 - - - - 204,005,733-8,447,968 - - 4,803,371 51,598,237-4,396,475 - - 540,430,398 PRO MUJER - - - - - - - - - - - 46,590,907 40,922,779 534,401 - - 31,316,210 261,127,193 - - - 639,900 1,054,398 - - - - 382,185,789 DIACONIA - - - - - 1,018,177 - - - - - 147,520,335 - - - - 61,957,235-3,738,549 - - 46,075,699 62,963,518-249,423,086 - - 572,696,600 EMPRENDER - - - - - - - - - - - 23,642,288 - - - 672,934-11,631,098 - - - - - - - - - 35,946,320 IDEPRO - - - - - 13,419,867 - - - - - 153,875,960 12,866,557 - - - 1,474,603-1,052,374 - - 116,141 - - - - - 182,805,502 IMPRO - - - - - - - - - - - 20,943,061 - - - - - - - - - - - - - - - 20,943,061 SARTAWI - - - - - - - - - - - 40,234,872 - - - - 15,023,641-11,549,594 - - 9,411,439 3,627,463-2,863,321 - - 82,710,330 CIDRE - - - - - 9,238,300 216,300 4,949,645 602,652 - - 2,183,261 77,210,346 86,349,287 - - - - 1,132,892 10,636,712 10,004,386 16,281,879 354,967 8,744,874 1,963,258 9,623,861 5,021,996 244,514,614 FONDECO - - - - - - - - - - - 2,258,536 137,407 5,654,999 - - 5,103,316-351,610 1,052,093-829,395 151,515-526,368-37,648 16,102,889 FUBODE - - - - - - - - - - - 25,641,352 - - 59,596-68,775,153-22,957,729 - - 340,763 3,833,944-748,560 - - 122,357,098 TOTAL - - - - - 23,676,343 216,300 4,949,645 602,652 - - 730,069,187 131,137,089 92,538,686 59,596 672,934 387,655,892 272,758,291 49,230,716 11,688,805 10,004,386 78,498,587 123,584,042 8,744,874 259,921,069 9,623,861 5,059,644 2,200,692,599 0.00% 0.00% 0.00% 0.00% 0.00% 1.08% 0.01% 0.22% 0.03% 0.00% 0.00% 33.17% 5.96% 4.20% 0.00% 0.03% 17.62% 12.39% 2.24% 0.53% 0.45% 3.57% 5.62% 0.40% 11.81% 0.44% 0.23% 100.00% CARTERA POR ENTIDAD: NIVEL RURAL CRECER - - - - - - - - - - - 238,976,989 - - - - 284,407,566-176,976,869 - - 2,310,016 67,463,565-1,916,534 - - 772,051,540 PRO MUJER - - - - - - - - - - - 8,169,209 8,793,469 - - - 8,817,382 83,303,018 - - - - 152,223 - - - - 109,235,302 DIACONIA - - - - - 27,496 33,502 - - - - 52,732,791 - - - - 2,500,061-74,448,384 - - 8,296,345 22,948,832-60,037,174 - - 221,024,584 EMPRENDER - - - - - - - - - - - 12,068,827 - - - - - 3,596,860 - - - - - - - - - 15,665,688 IDEPRO - - - - - 6,970,282 580,776 - - - - 150,050,873 2,438,637 - - - - - 16,011,391 - - - - - - - - 176,051,960 IMPRO - - - - - - - - - - - 4,922,718 - - - - - - - - - - - - - - - 4,922,718 SARTAWI - - - - - - - - - - - 48,616,498 - - - - 6,561,564-165,667,072 - - 10,521,939 5,728,274-2,846,265 - - 239,941,610 CIDRE - - - - - 2,814,980-16,482,571 12,665,365 - - 2,281,127 21,599,586 50,060,048 - - - - 6,526,655 32,276,883 107,095,556 5,968,554 116,999 4,788,991 858,996 3,363,403 2,057,530 268,957,244 FONDECO - - - - 1,203,454 2,215,160 2,012,568 11,610,959 - - - 2,620,782 824,032 9,903,919 - - 12,862,412-25,924,345 89,877,087 96,040 3,727,709 1,829,787-1,888,138 63,285 2,063,590 168,723,267 FUBODE - - - - - - - - - - - 18,123,812 - - 185,342-19,021,650-58,637,097 - - 348,484 2,636,366-718,340 - - 99,671,091 TOTAL - - - - 1,203,454 12,027,917 2,626,846 28,093,531 12,665,365 - - 538,563,627 33,655,725 59,963,967 185,342-334,170,634 86,899,878 524,191,813 122,153,970 107,191,596 31,173,047 100,876,046 4,788,991 68,265,447 3,426,687 4,121,120 2,076,245,003 0.00% 0.00% 0.00% 0.00% 0.06% 0.58% 0.13% 1.35% 0.61% 0.00% 0.00% 25.94% 1.62% 2.89% 0.01% 0.00% 16.09% 4.19% 25.25% 5.88% 5.16% 1.50% 4.86% 0.23% 3.29% 0.17% 0.20% 100.00% CARTERA POR ENTIDAD: TOTAL NACIONAL CRECER - - - - - - - - - - - 506,155,603 - - - - 488,413,299-185,424,838 - - 7,113,387 119,061,802-6,313,009 - - 1,312,481,938 PRO MUJER - - - - - - - - - - - 54,760,117 49,716,248 534,401 - - 40,133,592 344,430,211 - - - 639,900 1,206,621 - - - - 491,421,091 DIACONIA - - - - - 1,045,673 33,502 - - - - 200,253,126 - - - - 64,457,296-78,186,933 - - 54,372,043 85,912,350-309,460,260 - - 793,721,183 EMPRENDER - - - - - - - - - - - 35,711,116 - - - 672,934-15,227,958 - - - - - - - - - 51,612,007 IDEPRO - - - - - 20,390,148 580,776 - - - - 303,926,834 15,305,194 - - - 1,474,603-17,063,766 - - 116,141 - - - - - 358,857,462 IMPRO - - - - - - - - - - - 25,865,779 - - - - - - - - - - - - - - - 25,865,779 SARTAWI - - - - - - - - - - - 88,851,369 - - - - 21,585,205-177,216,665 - - 19,933,378 9,355,737-5,709,586 - - 322,651,940 CIDRE - - - - - 12,053,279 216,300 21,432,216 13,268,017 - - 4,464,388 98,809,932 136,409,334 - - - - 7,659,546 42,913,594 117,099,943 22,250,433 471,966 13,533,865 2,822,254 12,987,263 7,079,526 513,471,857 FONDECO - - - - 1,203,454 2,215,160 2,012,568 11,610,959 - - - 4,879,318 961,439 15,558,918 - - 17,965,728-26,275,955 90,929,181 96,040 4,557,104 1,981,302-2,414,506 63,285 2,101,238 184,826,156 FUBODE - - - - - - - - - - - 43,765,165 - - 244,938-87,796,803-81,594,826 - - 689,247 6,470,310-1,466,900 - - 222,028,189 TOTAL - - - - 1,203,454 35,704,261 2,843,146 33,043,176 13,268,017 - - 1,268,632,814 164,792,814 152,502,653 244,938 672,934 721,826,527 359,658,169 573,422,529 133,842,775 117,195,983 109,671,633 224,460,088 13,533,865 328,186,516 13,050,548 9,180,763 4,276,937,602 0.00% 0.00% 0.00% 0.00% 0.03% 0.83% 0.07% 0.77% 0.31% 0.00% 0.00% 29.66% 3.85% 3.57% 0.01% 0.02% 16.88% 8.41% 13.41% 3.13% 2.74% 2.56% 5.25% 0.32% 7.67% 0.31% 0.21% 100.00%
GRÁFICO Nº 10 Estratificación de cartera por monto de crédito Entre US$ 501 y US$ 1.000 12% Menores a US$ 500 4% Mayores a US$ 10.000 25% Entre US$ 1.001 y US$ 2.000 14% Entre US$ 2.001 y US$ 3.000 11% Entre US$ 3.001 y US$ 4.000 7% Entre US$ 4.001 y US$ 5.000 7% Entre US$ 5.001 y US$ 10.000 20%
Cuadro Nº 11 COBERTURA DE LA RED DE AGENCIAS Y EMPLEADOS Número de Agencias Personal Entidad Rural Urbana Total Rural Urbana Total CIDRE 14 13 27 95 187 282 CRECER 40 40 80 477 699 1,176 DIACONIA 22 37 59 126 419 545 EMPRENDER 2 10 12 14 96 110 FONDECO 13 2 15 58 49 107 FUBODE 12 9 21 139 116 255 IDEPRO 12 9 21 69 150 219 IMPRO 1 2 3 2 32 34 PRO MUJER 16 51 67 121 613 734 SARTAWI 17 13 30 117 145 262 Total general 149 186 335 1,218 2,506 3,724 Número de Agencias Personal Departamento Rural Urbana Total Rural Urbana Total BENI 10 5 15 104 70 174 CHUQUISACA 9 14 23 61 155 216 COCHABAMBA 26 18 44 244 289 533 LA PAZ 37 77 114 259 1,052 1,311 ORURO 6 14 20 47 195 242 PANDO 2 3 5 8 33 41 POTOSÍ 12 10 22 100 110 210 SANTA CRUZ 36 35 71 292 467 759 TARIJA 11 10 21 103 135 238 Total general 149 186 335 1,218 2,506 3,724
GRÁFICO Nº 11 Cobertura por departamento Número de Agencias Rural Número de Agencias Urbana 77 37 36 35 26 18 10 9 5 14 6 14 2 3 12 10 11 10
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% 30.00% 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%