Savings Report 0313

Savings Report: Accion Network and Partners

MARCH, 2013:

2,321,848

3,377,748

SAVERS

SAVINGS

Acción TENDENCIA Y COMPOSICION CAPTACIONES-12 MESES

SAVINGS TRENDS AND COMPOSITION-LAST 12 MONTHS

2,23

9,47

2

2,24

6,63

5

2,26

0,30

1

2,38

7,34

5

2,14

9,45

5

2,47

5,94

1

2,57

1,95

6

2,59

3,51

7

2,63

5,72

1

2,34

6,38

7

2,36

4,91

9

2,38

8,78

5

2,32

1,84

8

$2,940,849 $2,976,940 $2,985,382 $3,118,841

$3,450,150 $3,411,205

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

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

$3,377,748

$-

$500,000

$1,000,000

$1,500,000

$2,000,000

$2,500,000

$3,000,000

$3,500,000

$4,000,000

0

500,000

1,000,000

1,500,000

2,000,000

2,500,000

3,000,000Mar 12 April 12 May 12 Jun 12 Jul 2012 Aug 2012 Sep 2012 Oct 2012 Nov 2012 Dec 2012 Jan 2013 Feb 2013 Mar 2013

Savers Savings ($ 000)

7.7%

0.3%

1.9%

24.4%

1.5% 4.7%

9.5%

1.6% 1.6%

14.5%

7.8%

4.4%

3.7%

1.2%

11.5%

0.5%

3.2%

Composición de Clientes de Captaciones Savers Composition-

March 2013

Banco Ademi

Bandelta

Banco Solidario

BancoSol

Banco Popular

BanGente

FINAMERICA

Financiera El Comercio

FINSOL

Mibanco

Akiba

AMFB

EB ACCION

EAMF

Banco Pichincha

Apoyo Integral

Banco Compartamos

5.0% 4.1%

6.6%

21.9%

0.6% 3.7%

7.5% 3.4%

0.5%

40.8%

1.8%

0.1% 0.3% 0.1%

3.3%

0.3% 0.1%

Composición de Saldos de Captaciones Savings $000 Composition-

March 2013

Banco Ademi

Bandelta

Banco Solidario

BancoSol

Banco Popular

BanGente

FINAMERICA


FINSOL

Mibanco

Akiba

AMFB

EB ACCION

EAMF

Banco Pichincha

Apoyo Integral

Banco Compartamos

LATI

N A

MER

ICA

Savers have grown around Latin Ameri-can institutions. This quarter, ranking is leaded by Apoyo Integral-El Salvador followed by Banco Compartamos, Mex-ico and Paraguay Financiera El Comer-cio, with growths of 26%, 18% and 12% respectively compared to December 2012.

Savings amount reflected in dollars de-creased during March. Devaluation in Venezuela was a factor. However, Sav-ings balance in local currency from Ban-gente- Venezuela increased 5% com-pared to December 2012. On the other hand, institutions with significant partici-pation over the total decreased in terms of Savings balance.

AFR

ICA

AN

D A

SIA

During the first quarter, Savings kept growing. It is important to add that the largest % growth was registered by AMFB Nigeria with 11.4% in terms of bal-ances.

Saving account is the most important product in terms of clients. However, de-posits are an important product which is growing constantly.

In terms of Savers, Savings account is the most important product around African Institutions. However, Akiba maintains a similar proportion of its cli-ents between both current and savings accounts.Growth remains with a positive trend within all African institutions which are mobilizing savings products. EAMF Cameroon reflected the highest growth up to 8.5% in terms of Savers

PAIS/COUNTRY INSTITUCIÓN/INSTITUTION DIC 2012 MAR 2013

Cambio últimos 03

meses/Change last

03 months (%)

Dominican Republic Banco Ademi 179,555 178,169 -0.77%

Mexico Banco Compartamos 62,881 74,357 n/a

Panama Bandelta 7,059 7,685 8.87%

Ecuador Banco Solidario 44,901 45,136 0.52%

Bolivia BancoSol 547,222 565,962 3.42%

Honduras Banco Popular 33,747 35,123 4.08%

Venezuela BanGente 103,751 107,973 4.07%

Ecuador Banco Pichincha 361,839 267,392 -26.10%

Colombia Finamerica 207,878 220,843 6.24%

Paraguay Financiera El Comercio 32,432 38,035 17.28%

Honduras Finsol 35,037 36,004 2.76%

Peru Mibanco 1

342,541 337,445 -1.49%

El Salvador Apoyo Integral 9,461 11,929 26.09%

1,968,304 1,926,053 -2.1%

AFRICA, INDIA, CHINA

Tanzania Akiba 175,428 180,460 2.87%

Nigeria Accion Microfinance Bank 95,128 102,786 8.05%

Ghana EB-ACCION 82,466 85,359 3.51%

Cameroon EAMF 25,061 27,190 8.50%

Total - Africa, India and China 378,083 395,795 4.7%

Grand Total ACCION International 2,346,387 2,321,848 -1.0%1.

This figure used to include clients who own accounts with balance zero. Total as of March 2013 is not including clients with balance zero.

Total Latin America and The Caribbean

Accion CLIENTES CAPTACIONES- CAMBIO PORCENTUAL

SAVERS-PERCENTAGE INCREASE

Usd $(000)

PAIS/COUNTRY INSTITUCIÓN/INSTITUTION DEC 2012 MAR 13

Cambio últimos

03

meses/Change

last 03 months

(%)

Dominican Republic Banco Ademi 169,653 169,397 -0.15%

Mexico Banco Compartamos 1,314 1,780 n/a

Panama Bandelta 131,461 137,696 4.74%

Ecuador Banco Solidario 216,933 222,613 2.62%

Bolivia BancoSol 698,347 739,214 5.85%

Honduras Banco Popular 19,653 21,187 7.81%

Venezuela BanGente 183,391 124,405 -32.16%

Ecuador Banco Pichincha 172,364 111,099 -35.54%

Colombia FINAMERICA 254,243 252,244 -0.79%

Paraguay Financiera El Comercio 104,806 115,412 10.12%

Honduras FINSOL 15,515 15,552 0.24%

Peru Mibanco 1,308,038 1,378,306 5.37%

El Salvador Apoyo Integral 8,221 10,179 23.81%

3,283,940 3,299,084 0.5%

Tanzania Akiba 64,481 60,431 -6.28%

Nigeria Accion Microfinance Bank 3,499 3,898 11.39%

Ghana EB ACCION 9,089 9,323 2.57%

Cameroon EAMF 4,534 5,012 10.54%

81,603 78,664 -3.6%

3,365,543 3,377,748 0.4%

TOTAL LATIN AMERICA AND THE CARIBBEAN

Total - Latin America & Caribbean

AFRICA, INDIA AND CHINA

Total - Africa, India and China

Grand Total - ACCION International

Accion SALDO DE CAPTACIONES- CAMBIO PORCENTUAL

SAVINGS-PERCENTAGE INCREASE

CUSTOMER SAVINGS AT MARCH 31/2013- Figures are in Dollars (Real Amount)

AKIBA COMMERCIAL BANK (Tanzania)

16

3,0

69

16

4,9

77

16

9,3

01

16

3,0

69

17

1,0

66

17

3,0

92

17

4,5

60

17

5,0

49

17

5,2

04

17

5,4

28

17

6,8

13

17

8,4

30

18

0,4

60

$55,531 $54,634

$56,578 $56,695 $57,522

$60,886

$59,472

$61,351

$60,069

$64,481

$58,414 $58,977

$60,431

$48,000

$50,000

$52,000

$54,000

$56,000

$58,000

$60,000

$62,000

$64,000

$66,000

150,000

155,000

160,000

165,000

170,000

175,000

180,000

185,000

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


35.2%

42.8%

1.5% 9.2%

4.5% 6.9%

0.00% 0.0%

0.0% Composición de Saldos de Captaciones Savings ($000) Composition

Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds

Others (convertiblebonds)

68.6%

31.3%

0.02% 0.03% 0.03% 0.04% 0.00% 0.00%

0.00% Composición de Clientes de Captaciones

Savers Composition

Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


Akiba


ACCION MICROFINANCE BANK (AMFB) (Nigeria)

71

,92

1

74

,39

8

76

,18

5

71

,92

1

79

,68

9

83

,01

6

85

,88

9

85

,88

9

88

,80

1

95

,12

8

97

,41

2

99

,81

8

10

2,7

86

$2,817 $2,855 $2,781 $2,803 $2,925

$3,064 $3,139 $3,139 $3,303

$3,499 $3,533 $3,702

$3,898

$-

$500

$1,000

$1,500

$2,000

$2,500

$3,000

$3,500

$4,000

$4,500

0

20,000

40,000

60,000

80,000

100,000

120,000



93%

6%

0%

0%

0% 1%

0% 0%

0%

Composición de Saldos de Captaciones Savings ($000) Composition

Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


98%

2% 0%

0%

0%

0.004%

0%

0%

0%

Composición de Clientes de Captaciones Savers Composition

Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


AMFB


APOYO INTEGRAL (Salvador)3

,28

8

3,7

03

4,1

96

4,7

00

5,3

23

6,1

97

7,0

93

8,0

59

8,8

59

9,4

61

10

,29

3

11

,07

9

11

,92

9

$6,193 $6,863 $6,977

$7,628 $8,084

$8,724 $9,059

$9,621

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

$10,049 $10,179

$-

$2,000

$4,000

$6,000

$8,000

$10,000

$12,000

0

2,000

4,000

6,000

8,000

10,000

12,000

14,000



Apoyo Integral


BANCO ADEMI (Dominican Republic))1

58

,86

3

16

6,7

16

16

8,4

36

16

2,3

65

17

0,2

62

15

6,7

48

15

7,7

42

15

8,6

49

17

5,3

96

17

9,5

55

17

6,2

45

17

7,4

30

17

8,1

69

$147,594 $152,612

$158,891 $161,355 $167,075

$175,136 $181,283 $176,678

$171,479 $169,653 $169,047 $168,398 $169,397

$-

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

$200,000

145,000

150,000

155,000

160,000

165,000

170,000

175,000

180,000

185,000



Banco Ademi


BANCO COMPARTAMOS (Mexico)

29

,54

1

40

,97

1

52

,77

3

62

,88

1

74

,35

7

$949 $862 $898

$1,314

$1,780

$-

$200

$400

$600

$800

$1,000

$1,200

$1,400

$1,600

$1,800

$2,000

0

10,000

20,000

30,000

40,000

50,000

60,000

70,000

80,000

Mar 12 June 12 Sep 12 Dec 12 Mar 13


Banco Compartamos


BANDELTA (Panama)

9,6

24

9,6

42

9,2

36

6,7

62

6,7

65

7,8

23

7,8

89

7,3

73

7,5

71

7,0

59

7,5

55

7,6

51

7,6

85

$96,944 $97,469 $99,817

$123,570 $122,520

$101,715

$125,223

$104,420

$128,917 $131,461 $133,295 $133,581 $137,696

$-

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

0

2,000

4,000

6,000

8,000

10,000

12,000



17.0% 0.2%

0.0% 0.7%

0.0%

0.8%

65.0%

14.17%

2.14%


Savings accounts Current accounts

Up to 30 days Up to 90 days

Up to 120 days Up to 360days

> 360 days Bonds

Vcn's

Bandelta


BANGENTE (Venezuela)

10

3,3

34

10

5,0

45

10

6,4

74

90

,66

2

90

,66

3

95

,14

1

97

,38

7

99

,73

5

10

2,1

77

10

3,7

51

10

4,7

80

10

5,9

13

10

7,9

73

$121,186 $123,904 $130,222

$138,660 $144,776

$150,331 $160,188 $164,628

$173,440 $183,391

$174,185

$120,747 $124,405

$-

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

$200,000

80,000

85,000

90,000

95,000

100,000

105,000

110,000



7.5%

29.2%

6.4% 0.7% 0.0% 0.2%

0.0%

46.3%

9.7%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Captaciones conVencimiento a la VistaOtros ( Certificados deMicrocrédito )

27%

73%

0.06%

0.03%

0.00%

0.00%

0.00%

0.04%

0.00%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Captaciones con Vencimiento ala VistaOtros ( Certificados deMicrocrédito )

Bangente


BANCO PICHINCHA (Ecuador)

16

8,5

28

17

7,8

43

16

8,0

74

31

4,5

00

33

8,0

83

34

2,8

50

34

8,5

68

35

3,2

72

35

7,9

10

36

1,8

39

36

1,8

39

36

1,8

39

26

7,3

92

$63,723

$79,801

$65,448

$137,323 $149,167 $152,971

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

$172,364 $172,364 $172,364

$111,099

$-

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

$200,000

0

50,000

100,000

150,000

200,000

250,000

300,000

350,000

400,000



92%

5% 0.4%

0.7%

0.3%

1.0%

0.0%

0%

0%





> 360 days Bonds

Others (convertible bonds)

Banco Pichincha


BANCO POPULAR (Honduras))

24

,20

6

24

,74

0

25

,55

2

24

,20

6

30

,67

8

31

,53

3

32

,18

7

32

,90

0

33

,33

6

33

,74

7

34

,34

4

34

,76

4

35

,12

3

$18,095 $17,931

$18,232 $18,561

$19,261 $19,016

$19,324

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

$20,057

$21,187

$16,000

$17,000

$18,000

$19,000

$20,000

$21,000

$22,000

0

5,000

10,000

15,000

20,000

25,000

30,000

35,000

40,000



23.6%

2.7% 0.00%

2.26%

0.00%

71.4%

0.1% 0.0%

0.0%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


93.6%

1.4%

0.01%

0.42%

0.01%

4.49%

0.09%

0%

0%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


Banco Popular


BANCO SOLIDARIO (Ecuador)

44

,98

7

45

,18

7

45

,14

8

44

,98

5

44

,70

0

43

,89

9

44

,01

4

44

,49

7

44

,67

9

44

,90

1

45

,06

3

44

,87

0

45

,13

6

$189,947 $188,995 $192,799 $197,003 $196,935 $198,520 $203,536 $205,029 $208,824 $216,933

$230,052 $225,888 $222,613

$-

$50,000

$100,000

$150,000

$200,000

$250,000

43,000

43,500

44,000

44,500

45,000

45,500



13%

4%

21%

23%

16%

17%

6% 0%

0%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


91%

1% 2%

2%

1%

3%

0%

0%

0%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


Banco Solidario


BANCOSOL (Bolivia)

49

5,4

76

50

1,7

56

50

8,0

48

51

3,5

91

53

7,9

09

52

5,6

17

53

1,4

23

53

6,0

96

54

2,1

06

54

7,2

22

55

3,7

11

56

1,0

92

56

5,9

62

$592,485 $594,981 $604,493 $605,695 $624,113 $578,535

$661,184 $680,671

$622,488

$698,347 $698,090 $709,271 $739,214

$-

$100,000

$200,000

$300,000

$400,000

$500,000

$600,000

$700,000

$800,000

460,000

480,000

500,000

520,000

540,000

560,000

580,000



28%

0%

0% 0%

0% 2%

60%

3% 7%





> 360 days Bonds


BancoSol


EAMF (Cameroon)

18

,20

9

19

,26

9

19

,89

3

18

,20

9

22

,92

6

22

,30

7

23

,19

0

23

,78

6

24

,47

6

25

,06

1

25

,75

3

26

,72

6

27

,19

0

$3,283 $2,992 $2,885

$3,494 $3,722 $3,680

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

$4,905 $4,867 $5,012

$-

$1,000

$2,000

$3,000

$4,000

$5,000

$6,000

0

5,000

10,000

15,000

20,000

25,000

30,000



88%

7%

0%

0%

5% 0%

0% 0%

0%





> 360 days Bonds


EAMF


EB-ACCION (EASL) (Ghana))

75

,14

7

76

,22

8

77

,93

9

75

,14

7

79

,68

6

80

,65

9

81

,24

7

81

,24

7

81

,91

2

82

,46

6

83

,01

8

83

,70

1

85

,35

9

$7,459 $7,820 $7,765 $7,804 $7,749 $7,517 $7,517

$7,881 $8,226

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

$9,323

$-

$1,000

$2,000

$3,000

$4,000

$5,000

$6,000

$7,000

$8,000

$9,000

$10,000

70,000

72,000

74,000

76,000

78,000

80,000

82,000

84,000

86,000

88,000



74%

13%

0%

2% 9% 2%

0% 0%

0%





> 360 days Bonds


EB-ACCION


FINAMERICA (Colombia)

16

5,8

65

16

9,7

61

17

3,8

47

17

8,1

98

18

2,5

48

18

7,2

12

19

2,4

29

19

8,3

20

20

3,4

57

20

7,8

78

21

2,3

92

21

7,0

70

22

0,8

43

$196,193 $206,666 $200,668

$219,546 $226,259 $231,687 $240,418 $240,849 $246,877 $254,243 $258,854 $254,986 $252,244

$-

$50,000

$100,000

$150,000

$200,000

$250,000

$300,000

0

50,000

100,000

150,000

200,000

250,000



10% 0% 0%

1%

7%

40%

42%

0%

0%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


98%

0% 0.0%

0.2%

0.4%

1%

0.2%

0%

0%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


Finamerica


Financiera El Comercio (Paraguay)

28

,95

6

28

,66

7

28

,96

7

30

,04

2

29

,84

5

30

,36

0

31

,59

3

31

,64

8

32

,48

9

32

,43

2

34

,95

3

37

,26

3

38

,03

5

$84,037 $85,072 $82,851 $84,090 $88,564 $87,912 $87,678 $88,796

$97,246 $104,806

$108,766 $114,918 $115,412

$-

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

0

5,000

10,000

15,000

20,000

25,000

30,000

35,000

40,000



21%

0%

1% 1%

2%

8%

67%

0%

0%





> 360 days Bonds




FINSOL (Honduras)3

5,4

27

35

,67

2

35

,97

4

33

,49

5

33

,75

9

33

,99

4

34

,19

9

34

,45

1

34

,80

2

35

,03

7

35

,32

6

35

,71

7

36

,00

4

$14,409 $14,339

$14,021

$15,311

$15,938 $15,970 $15,834

$15,491

$15,727 $15,515

$15,675 $15,769

$15,552

$13,000

$13,500

$14,000

$14,500

$15,000

$15,500

$16,000

$16,500

32,000

32,500

33,000

33,500

34,000

34,500

35,000

35,500

36,000

36,500



Finsol


MIBANCO (Peru)

27

4,9

69

28

4,5

82

34

2,5

41

33

7,4

45

$1,338,440

$999,583

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

$-

$200,000

$400,000

$600,000

$800,000

$1,000,000

$1,200,000

$1,400,000

$1,600,000

0

50,000

100,000

150,000

200,000

250,000

300,000

350,000

400,000

June 12 Sep 12 Dec 12 Mar 13


18%

1%

6%

7%

9%

25%

34%

0%

0%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


87%

1% 0.2%

1%

1%

4% 6.5%

0%

0%


Savings accounts

Current accounts

Up to 30 days

Up to 90 days

Up to 120 days

Up to 360days

> 360 days

Bonds


Mibanco

Documents

Savings Report 0313