1. INDICADORES ASOMI
A DICIEMBRE 2010

2. DATOS DE CARTERA DE CLIENTES
Instituciones Sede Agencias Clientes Cartera (miles US$)
ACCOVI de R.L San Salvador 10 7,719 7.74% 50,526.6 31.20%
AMC de R.L. San Miguel 18 13,811 13.85% 16,364.2 10.11%
SAC INTEGRAL, S.A. San Salvador 25 50,224 50.36% 74,479.0 46.00%
ASOCIACION BALSAMO San Salvador 3 1,282 1.29% 355.0 0.22%
ASEI San Salvador 4 6,119 6.14% 1,056.1 0.65%
FADEMYPE San Salvador 2 1,590 1.59% 1,221.1 0.75%
Finca El Salvador San Salvador 10 4,330 4.34% 2,306.2 1.42%
FUNDACION CAMPO San Miguel 4 7,538 7.56% 8,811.7 5.44%
FUNSALDE San Salvador 2 2,595 2.60% 1,536.4 0.95%
MICRONEGOCIOS San Salvador 4 1,070 1.07% 1,614.8 1.00%
PADECOMSMCREDITO Morazán 6 3,449 3.46% 3,656.1 2.26%
TOTAL 88 99,727 100% 161,927.2 100%

3. CLIENTES POR INSTITUCION
PADECOMSMCREDITO
3%
MICRONEGOCIOS 1%
FUNSALDE 3%
FUNDACION CAMPO
8%
ACCOVI de R.L 8%
Finca El Salvador 4%
AMC de R.L. 14%
FADEMYPE 2%
ASEI 6%
ASOCIACION BALSAMO
1%
SAC INTEGRAL, S.A.
50%

4. PADECOMSMCREDITO
2% CARTERA POR INSTITUCION
MICRONEGOCIOS 1%
FUNSALDE 1%
FUNDACION CAMPO
5%
Finca El Salvador 1%
FADEMYPE 1%
ASEI 1%
ASOCIACION BALSAMO
0% ACCOVI de R.L 31%
SAC INTEGRAL, S.A. AMC de R.L. 10%
47%

5. CARTERA POR DEPARTAMENTO
ACCOVI de AMC de SAC ASOCIACION Finca El FUNDACION
Departamento ASEI FADEMYPE FUNSALDE MICRONEGOCIOS PADECOMSMCREDITO TOTAL %
R.L. R.L. INTEGRAL BALSAMO Salvador CAMPO
Ahuachapán 150.30 6,154.1 0.47 501.3 0.19 6,806.39 4.2%
Cabañas 4,461.4 1,657.9 1,188.0 0.4 0.6 7,308.27 4.5%
Chalatenango 513.9 3,674.1 9.3 165.3 48.4 3.7 4,414.70 2.7%
Cuscatlán 4,941.5 412.8 1,565.6 2.0 234.3 35.9 2.3 7.2 1.7 7,203.33 4.4%
La Libertad 4,789.5 269.8 10,612.5 11.1 59.6 2.9 119.5 100.3 15,965.16 9.9%
La Paz 10,559.1 1,511.3 3,869.6 8.4 771.3 389.9 9.1 11.0 4.2 17,133.92 10.6%
La Unión 1,792.3 5,071.2 920.4 58.2 7,842.12 4.8%
Morazán 1,728.3 1,470.8 2,872.4 32.0 1,976.8 8,080.38 5.0%
Santa Ana 1,174.9 5,005.5 153.7 33.7 305.0 47.0 243.8 6,963.57 4.3%
San Salvador 8,204.1 139.5 21,089.6 205.5 526.9 296.3 958.3 107.0 148.4 966.8 32,642.30 20.2%
San Miguel 3,820.1 4,159.9 141.2 305.9 2,171.6 124.6 282.1 1,067.8 12,073.08 7.5%
San Vicente 17,571.1 941.4 1,818.2 41.2 9.4 4.91 30.9 20,417.09 12.6%
Sonsonate 780.0 3,601.5 86.3 171.9 - 360.2 3.8 5,003.68 3.1%
Usulután 1,471.9 5,198.3 4.8 7.7 2,723.0 47.7 8.3 611.5 10,073.26 6.2%
Total 50,526.6 16,364.2 74,479.0 355.0 1,056.1 1,221.1 2,306.2 8,811.7 1,536.4 1,614.8 3,656.1 161,927.2 100%

6. CARTERA POR DEPARTAMENTO
Chalatenango
Usulután Ahuachapán 3%
Sonsonate Cabañas
6% 4%
3% 5%
Cuscatlán
San Vicente 4%
13%
La Libertad
10%
San Miguel
7%
La Paz
11%
San Salvador La Unión
20% Morazán 5%
Santa Ana
5%
4%

7. CARTERA POR ACTIVIDAD ECONOMICA
Agropecuaria
Instituciones Comercio Servicios Peq Ind Consumo Vivienda Otros TOTAL
y Forestal
ACCOVI de R.L 4,448.4 2,128.6 26,663.5 17,286.2 50,526.6
AMC de R.L. 2,579.4 6,937.3 2,954.4 658.0 189.0 3,046.2 16,364.2
SAC INTEGRAL, S.A. 9,926.2 33,793.2 8,617.4 3,442.2 990.1 17,709.7 74,479.0
ASOCIACION BALSAMO 30.8 280.8 31.8 3.9 7.7 355.0
ASEI 1,045.0 11.2 1,056.1
FADEMYPE 12.2 1,183.5 11.0 14.3 1,221.1
Finca El Salvador 2,226.4 63.7 16.0 2,306.2
FUNDACION CAMPO 3,408.6 1,188.9 1,048.6 98.2 755.6 2,202.2 109.7 8,811.7
FUNSALDE 246.9 881.3 91.7 159.4 157.0 1,536.4
MICRONEGOCIOS 78.9 868.7 555.8 72.1 39.3 1,614.8
PADECOMSMCREDITO 370.2 1,619.7 842.1 98.2 725.8 3,656.1
Total 16,653.3 54,473.3 14,152.9 6,738.7 28,653.5 41,145.8 109.7 161,927.2
Porcentajes 10.3% 33.6% 8.7% 4.2% 17.7% 25.4% 0.1% 100.0%

8. CARTERA POR ACTIVIDAD ECONOMICA
Otros 0.1%
Vivienda 25.4%
Consumo 17.7%
Peq Ind 4.2%
Servicios 8.7%
Comercio 33.6%
Agropecuaria y Forestal 10.3%
0.0% 5.0% 10.0% 15.0% 20.0% 25.0% 30.0% 35.0%

9. CLIENTES POR METODOLOGIA CREDITICIA
Grupo Banco
Instituciones Individual TOTAL
Solidario Comunal
ACCOVI de R.L 0
AMC de R.L. 13,811 13,811
SAC INTEGRAL, S.A. 50,100 124 50,224
ASOCIACION BALSAMO 1,269 13 1,282
ASEI 115 6,004 6,119
FADEMYPE 557 1,033 1,590
Finca El Salvador 2,859 1,471 4,330
FUNDACION CAMPO 7,538 7,538
FUNSALDE 1,907 599 89 2,595
MICRONEGOCIOS 1,070 1,070
PADECOMSMCREDITO 3,449 3,449
Total 82,675 1,769 7,564 92,008
Porcentajes 89.9% 1.9% 8.2% 100.0%

10. CLIENTES POR METODOLOGIA CREDITICIA
89.9%
90.0%
80.0%
70.0%
60.0%
50.0%
40.0%
30.0%
8.2%
20.0% 1.9%
10.0%
0.0%
Individual Grupo Solidario Banco Comunal

11. CARTERA POR METODOLOGIA CREDITICIA
Grupo Banco
Instituciones Individual TOTAL
Solidario Comunal
ACCOVI de R.L 0
AMC de R.L. 16,364,195 16,364,195
SAC INTEGRAL, S.A. 74,423,510 55,453 74,478,963
ASOCIACION BALSAMO 354,013 954 354,967
ASEI 189,301 866,846 1,056,147
FADEMYPE 1,100,538 120,538 1,221,076
Finca El Salvador 1,779,987 526,208 2,306,194
FUNDACION CAMPO 8,811,743 8,811,743
FUNSALDE 1,394,878 120,046 21,450 1,536,374
MICRONEGOCIOS 1,614,807 1,614,807
PADECOMSMCREDITO 3,656,131 3,656,131
Total 109,689,103 296,991 1,414,503 111,400,597
Porcentajes 98.5% 0.3% 1.3% 100.0%

12. CARTERA POR METODOLOGIA CREDITICIA
98.5%
100.0%
90.0%
80.0%
70.0%
60.0%
50.0%
40.0%
30.0%
20.0%
0.3% 1.3%
10.0%
0.0%
Individual Grupo Solidario Banco Comunal

13. DATOS GENERALES
ACCOVI AMC de SAC ASOCIACION Finca El FUNDACION
CONCEPTO ASEI FADEMYPE FUNSALDE MICRONEGOCIOS PADECOMSMCREDITO SUMA / Promedio
de R.L R.L. INTEGRAL BALSAMO Salvador CAMPO
I, INFORMACION GENERAL
Número de Oficiales de Crédito 26 68 185 6 25 15 54 18 15 9 16 437
Oficiales de crédito al total de empleados 17.6% 43.9% 46.1% 28.6% 51.0% 68.2% 42.5% 40.9% 40.5% 31.0% 34.8% 40.5%
II. INDICADORES DE GENERO
Clientas mujeres / Clientes totales 58.0% 55.9% 60.0% 61.0% 85.0% 69.0% 79.0% 39.0% 64.0% 73.9% 54.0% 60.2%
Cartera Mujeres / Cartera total 46.0% 45.5% 50.0% 64.0% 85.0% 48.0% 67.0% 39.8% 59.0% 74.5% 45.0% 48.5%
III. PARTICIPACION RURAL
Cartera Rural / Cartera total 65% 55% 47% 33% 0.2% 25.0% 57% 70% 38% 52%
Clientes Rurales / Clientes totales 84% 68% 51% 67% 0.2% 25.0% 60% 77% 38% 51%
IV. INDICADORES DE ESCALA
Préstamo Promedio por Cliente (En US$) 6,546 1,185 1,483 277 173 768 533 1,169 592 1,509 1,060 1,624
Número de Clientes por Oficial de Crédito 297 203 271 214 245 106 80 419 173 119 216 228
Cartera por Oficial de Crédito (En US$) 1,943,332 240,650 402,589 59,161 42,246 81,405 42,707 489,541 102,425 179,423 228,508 370,543
V. INDICADORES DE DESEMPEÑO FINANCIERO
Cartera de préstamos / total de activos 69.5% 72.5% 82.9% 65.4% 65.6% 63.3% 78.0% 84.2% 78.9% 69.5% 70.0% 72.7%
Gasto por cliente 470.5 219.8 232.9 100.6 88.8 181.1 228.1 171.5 56.1 467.6 216.3 221.2
Cartera en riesgo mayor a 30 días 9.2% 5.6% 4.1% 12.1% 7.5% 9.7% 4.0% 2.5% 3.4% 6.7% 4.8% 6.3%
Patrimonio/activo total 13.7% 22.3% 13.8% 67.6% 88.0% 58.2% 33.0% 35.6% 59.9% 58.2% 20.4% 42.8%
Gastos operacionales / cartera bruta 8.0% 18.7% 15.3% 32.2% 55.4% 27.2% 43.0% 21.7% 9.4% 33.8% 20.4% 25.9%