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The Premier Source for Microfinance Data and Analysis
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
Microfinance Information Exchange
Panorama 2011 de América Latina y el Caribe
December 2011
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
2
América Latina y El Caribe en resumen
Prestatarios por Su-bregión
América del Sur Centroamérica y El Caribe México
América del Sur Centroamérica y El Caribe
México
0
40
80
120
160
200
IMFs por Edad
Nueva Joven Madura
www.mixmarket.org/es/profiles-reports/crossmarket-analysis-report?rid=NJMQaVef
• At the end of 2010, more than half (58%) of the borrowers in the region were concentrated in South America.
• The market in the region is developed, the MFIs with more than 8 years in the market (Mature) represented 86% of the total of participants. Especially in South America (53% out of the total in 2010).
LAC is divided into three clearly differentiated sub-regions:
1. South America
2. Central America and the
Caribbean
3. Mexico
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
3
América Latina y El Caribe en resumen
América del Sur Centroamérica y El Caribe
México LAC
0
100
200
300
400
500
LAC: IMF Participantes por Regulación
Total IMF IMF Reguladas
IMF
América del Sur Centroamérica y El Caribe
México LAC
0
2,000,000
4,000,000
6,000,000
8,000,000
10,000,000
12,000,000
14,000,000
16,000,000
LAC: Alcance de IMF participantes
Total IMF IMF Reguladas
www.mixmarket.org/es/profiles-reports/crossmarket-analysis-report?rid=taVYENe6
The trend toward regulation is not yet strong in Mexico and Central America. 79% of the regulated IMF were South American (which represented 27% of the total IMF participants).
How has the micro-financial industry evolved in the region?
www.mixmarket.org/es/profiles-reports/crossmarket-analysis-report?rid=LSnvWEqb
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
4
1.
•Credits
2.
•Deposits
3.
•Special Cases
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
5
¿Los mercados urbanos están saturados en la región?
69%
11%
20%
Población LAC
América del Sur Centroamérica y El Caribe
México
Hondu
ras
Gua
tem
ala Haiti
Nicara
gua
El Salv
ador
Parag
uay
Costa
Rica
Bolivia
Ecuad
or
R. Dom
inica
naPer
u
Panam
a
Colom
bia
Méx
icoBra
sil
Chile
Urugu
ay
Argen
tina
Venez
uela
0%
20%
40%
60%
80%
100%
Distribución Urbano / Rural por país
Urbano Rural
Central America and the Caribbean is the sub-region that has the highest incidence of rural population: Honduras (51.2%), Guatemala (50.5%) and Haiti (50.0%). In South America, the country with the largest population in rural areas was Paraguay (38.5%).
http://data.worldbank.org/country
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
6
¿Los mercados urbanos están saturados en la región?
America accelerated progress in placements particularly in rural areas (89.0%) between 2008 to 2010 in search of new markets.
The growth scale in Central America and the Caribbean was justified in rural areas (18.5%), the urban portfolio has not yet recovered levels reached in 2008.
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
7
¿Dónde se concentró la oferta crediticia?
2008 2009 2010 2008 2009 2010 2008 2009 2010 2008 2009 2010 2008 2009 2010 2008 2009 2010 2008 2009 2010 2008 2009 2010No-Minoristas MIC CNS VIV No-Minoristas MIC CNS VIV
Cartera Préstamos
0%
20%
40%
60%
80%
100%Tendencias por Tipo de Crédito
CC MEX SA
• LAC: Micro-enterprise credit remained the most dynamic in 2010.
• Central America (81.1%) and South America (74.6%) were intensive in financing for productive purposes (Micro-enterprise and Commercial).
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
8
¿Cuál fue el tamaño del crédito ofrecido?
2008 2009 2010 2008 2009 2010 2008 2009 2010MIC CNS VIV
0
2,000
4,000
6,000
8,000
10,000
12,000
Saldo de Crédito por Productos mi-noristas
CC MEX SA LAC
2008 2009 2010
0
10,000
20,000
30,000
40,000
50,000
60,000
70,000
80,000
Saldo de Créditos no minoristas
CC MEX SA LAC
South America presented higher than average regional credit balances in retail products.
Housing credits in Mexico and Central America focused on financing housing improvements, the opposite of South America, where the IMF offered more products for the acquisition of houses.
The advance in the scale of commercial loans (25. 6% in 2010) in Mexico was based on high average balances maintained (USD 76 thousand versus USD 30 thousand in LAC).
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
9
¿Se redujo la morosidad en las colocaciones?
DO
M
CR
I
GT
M
HN
D
HT
I
NIC
PA
N
SL
V
ME
X
AR
G
BO
L
BR
A
CO
L
EC
U
PE
R
PR
YCC ME
XSA
0%
5%
10%
15%
20%
25%
Cartera en riesgo > 30 días (mediana)
2008 2009 2010
DO
M
CR
I
GT
M
HN
D
HT
I
NIC
PA
N
SL
V
ME
X
AR
G
BO
L
BR
A
CO
L
EC
U
PE
R
PR
Y
CC MEX
SA
0%
5%
10%
15%
20%
25%
Cartera en riesgo > 30 días (Promedio Ponderado)
2008 2009 2010
www.mixmarket.org/profiles-reports/crossmarket-analysis-report?rid=JGQm8W7W
www.mixmarket.org/profiles-reports/crossmarket-analysis-report?rid=FLkEcPfv
SA: Prudential regulation and self-regulation standards in most countries contributed to the presentation of risk indicators on similar levels.CC: The IMF resorted to penalties and to the refinancing of loans, which maintained high risk portfolio indicators. MEX: Improved indicators of portfolio at risk in 2010. However, about 10% is still retained for the group of intensive IMF in sample consumption.
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
10
Riesgo de cartera trimestral en 2011
Country IMF GLP participation
Bolivia 23 100%
Colombia 5 72.4%
Ecuador 9 61.2%
Mexico 20 65.2%
Peru 37 88.2%
Based on quarterly data from a representative sample by the IMF of 5 countries in the region.
01/12/200801/03/2009
01/06/200901/09/2009
01/12/200901/03/2010
01/06/201001/09/2010
01/12/201001/03/2011
01/06/2011
0
1,000,000,000
2,000,000,000
3,000,000,000
4,000,000,000
5,000,000,000
6,000,000,000
7,000,000,000
8,000,000,000
0%
1%
2%
3%
4%
5%
6%
7%
8%
Cartera y Riesgo de Crédito
BOL GLP COL GLP ECU GLP MEX GLP PER GLPBOL PAR 30 COL PAR 30 ECU PAR 30 MEX PAR 30 PER PAR 30
PAR
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
11
Endeudamiento Cruzado en 2010
Indicator Ecuador Peru IMF Number 38 25Participation Borrowers Country (%) 88.5% 54.7%Total of reported loans 737,756 2,096,969 Total Borrowers declared 650,572 1,818,831 Loans per Borrower 1.1 1.2 Borrowers adjusted per cross-indebtedness
466,753 1,207,326
Loans per adjusted borrower by cross-indebtedness
1.58 1.74
Shared borrowers (%) 45.3% 55.7%
It was not possible to determine a direct correlation between portfolio risk indicators and those of crossed debt. The participation of NGOs and non-regulated COAC in the Ecuador sample, which function in rural zones with limited competitors, allowed for a smaller percentage of shared borrowers. In the case of Peru, the largest indicator of Shared Borrowers was reflected in the intense competition in the country's major cities, among the regulated IMF (Mibanco, CMACs and Financial especially) figures in the sample.
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
12
1.
•Credits
2.
•Deposits
3.
•Special Cases
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
13
¿Hacia dónde se enfocaron las captaciones de depósitos?
The savings of small depositors constitute the main origin (85%) of deposits received in the region.
85%
15%
Depósitos totales 2010
Depósitos Minoris-tasDepósitos Insti-tucionales 52%48%
Depósitos voluntarios minoristas
Depósitos a PlazoDepósitos a la Vista
The savings solutions of the commercial bank seem unknown or unattractive compared to IMF's long-
term deposits.
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
14
¿Hacia dónde se enfocaron las captaciones de depósitos?
South America (that concentrates 95.6% of the deposits in the region) reaffirmed the tendency to concentrate the receipt of deposits in small
savers (atomization).
2008 2009 20100
2,000,000,000
4,000,000,000
6,000,000,000
8,000,000,000
10,000,000,000
12,000,000,000
Sudamérica
Depósitos Minoristas Depósitos Institucionales
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
15
¿Hacia dónde se enfocaron las captaciones de depósitos?
2008 2009 20100
20,000,000
40,000,000
60,000,000
80,000,000
100,000,000
120,000,000 México
Depósitos Minoristas Depósitos Institucionales
2008 2009 20100
50,000,000100,000,000150,000,000200,000,000250,000,000300,000,000350,000,000400,000,000450,000,000500,000,000
Centroamérica y el Caribe
Depósitos Minoristas Depósitos Institucionales
The same tendency as South America was also presented in Central America and the Caribbean, where the small deposits grew more than USD 150 million in two years.
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
16
1. • Credits
2. • Deposits
3.• Special Cases
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
17
Nicaragua: El reto de la recuperación
2006 2007 2008 2009 20100%2%4%6%8%
10%12%14%16%18%20%
Cartera en Riesgo > 30 díasRatio de Préstamos Castigados
2006 2007 2008 2009 20100
50,000100,000150,000200,000250,000300,000350,000400,000
050,000,000100,000,000150,000,000200,000,000250,000,000300,000,000350,000,000400,000,000
Nº de Prestatarios ActivosCartera Bruta de Crédito (USD)
2006 2007 2008 2009 20100
50,000,000
100,000,000
150,000,000
200,000,000
250,000,000
300,000,000
Adeudos (USD)
The indicators affected by the "No Payment" movement reached their most critical level during the years 2009 and 2010, after the withdrawal of the international financing for IMF operations and the beginning of the international crisis.
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
18
México: Un mercado heterogéneo
42.0%
30.0%
9.4%
6.6%
10.3%1.6%
Número de Prestatarios a Diciembre 2010
CompartamosBanco Financiera Independencia
Entre 250,000 y 100, 000 (3 IMF) Entre 100,000 y 50,000 (5 IMF)
Entre 50,000 y 10,000 (20 IMF) Menos de 10,000 (19 IMF)
AC (5) Banco (1) SOFIPO (5) SOFOM (19) Otros (5)
0
100,000,000
200,000,000
300,000,000
400,000,000
500,000,000
600,000,000
700,000,000
800,000,000
900,000,000
Cartera por Forma Legal local
2008 2009 2010
It is the home of the IMF with the largest scope in the whole region (Share Bank and Independence Financial with the focus on financing the Microenterprise and Consumption, respectively).
The SOFOM are non-regulated institutions, the legal form most applied by the IMF, their high accumulated portfolio is mainly based on the placements of Independence Financial (60.4% to December 2010).
www.mixmarket.org/es/profiles-reports/crossmarket-analysis-report?rid=wFYBPWZC
www.mixmarket.org/es/profiles-reports/crossmarket-analysis-report?rid=R6ZEcQfh
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
19
México: Reduciendo el riesgo
0
300,000,000
600,000,000
900,000,000
1,200,000,000
1,500,000,000
0%
1%
2%
3%
4%
5%
Cartera y Cartera en Riesgo > 30 días
Cartera PAR 30 días (mediana)
PAR
01/12/2
008
01/03/2
009
01/06/2
009
01/09/2
009
01/12/2
009
01/03/2
010
01/06/2
010
01/09/2
010
01/12/2
010
01/03/2
011
01/06/2
011
0%
1%
2%
3%
4%
5%
6%
7%
8%Cartera en Riesgo > 30 días (mediana)
AC (3) Banco (1) SOFIPO (3) SOFOM (5) MEX
Based on a sample of 13 IMF with quarterly information in 2010 and 2011 (represented 57.6% of the total accumulated portfolio to December 2010).
The increase of placed balances in the first semester of 2011 (24.8%) already surpassed the similar semester in 2010 (14.3%).
For the first time the national median was under the 3% because of the improvement in the indicators of the SOFOMES. The group of Regulated Financial Societies (SOFIPOs as per its initials in Spanish) proved some difficulties to reduce the NPLs, kept at similar levels since September 2010.
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
20
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MIX Global and Project Partners
This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.
21
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