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75
77
91 Mutualis- Banca Pública; 3.82%
So- tas; 5.66%
56 ciedades Bancos;
74 Fi- 26.16%
nancieras
71 ; 7.82%
55
92
104
79
100.00%
COACS; 56.55%
Bancos;
26.16%
Sociedades
Años Bancos COACS Mutualistas Banca Pública
Financieras
2010 4,642,592,701.14 207,552,941.86 12,492,504.73 25,629,165.81 915,645,939.39
2011 5,641,071,954.75 212,674,867.31 18,829,788.47 10,141,645.67 670,924,985.55
2012 6,653,653,194.87 247,506,764.87 25,597,993.01 24,497,596.41 214,906,102.95
2013 7,298,262,952.55 393,422,387.78 32,099,587.20 21,814,540.45 459,257,321.85
2014 8,244,521,662.22 470,585,998.07 8,665,894.91 18,520,980.72 493,914,506.92
2015 9,524,211,168.19 9,055,796,414.55 - 5,381,916.72 912,010,453.22
2016 9,958,883,375.11 10,240,355,419.99 - 8,773,834.36 677,904,979.32
2017 11,965,933,252.87 10,270,259,336.69 - - 514,977,625.79
2018 12,793,342,612.82 1,120,502,258.41 - - 608,375,906.43
2019
2020
Sociedades
Años Bancos COACS Mutualistas Banca Pública
Financieras
2010 4,642.59 207.55 12.49 25.63 915.65
2011 5,641.07 212.67 18.83 10.14 670.92
2012 6,653.65 247.51 25.60 24.50 214.91
2013 7,298.26 393.42 32.10 21.81 459.26
2014 8,244.52 470.59 8.67 18.52 493.91
2015 9,524.21 9,055.80 5.38 912.01
2016 9,958.88 10,240.36 8.77 677.90
2017 11,965.93 10,270.26 514.98
2018 12,793.34 1,120.50 608.38
2019
2020
76,722.47 32,218.66 97.69 114.76 5,467.92
PARTICIPACIÓN 66.94% 28.11% 0.09% 0.10% 4.77%
Total
5,803,913,252.93
6,553,643,241.75
7,166,161,652.11
8,204,856,789.83
9,236,209,042.84
19,497,399,952.68
20,885,917,608.78
22,751,170,215.35
14,522,220,777.66
114,621.49
100.00%
66.94%
Año Comercial Consumo Vivienda Microempresa Educativo
Productivo
2.00%
2011
Educativo 23.05% -26.73%
Microempresa 13.38%
Vivienda
0.94%
Consumo
0.69%
Comercial 52.67%
CARTERA COMERCIAL
PROVINCIA 2010 2011 2012 2013 2014
DE NAPO 14,117,226.58 ### 14,243,174.89 - 5,743,017.99
DE
ORELLANA 5,418,372.51 7,436,000.61 6,039,527.50 - 7,717,284.45
DE
PICHINCHA 838,338,745.98 ### 102,446,255.39 62,595,860.03 57,857,968.94
Total
general 857,874,345.07 ### 122,728,958 62,595,860 71,318,271
CARTERA CONSUMO
PROVINCIA 2010 2011 2012 2013 2014
DE NAPO 4,725,711.49 4,726,067.88 2,412,748.26 801,191.34 238,333.31
DE
ORELLANA 1,791,162.42 3,023,568.77 1,793,942.55 669,129.12 114,705.77
DE
PICHINCHA 2,475,756.19 2,296,872.35 1,300,522.46 641,291.71 394,403.18
Total
general 8,992,630.10 ### 5,507,213.27 2,111,612.17 747,442.26
CARTERA DE VIVIENDA
PROVINCIA 2010 2011 2012 2013 2014
DE NAPO 0 0 0 0 0
DE
ORELLANA 0 0 0 0 0
DE
PICHINCHA 10,695,842.54 9,650,427.37 7,228,016.31 5,093,099.11 3,641,494.61
TOTAL 10,697,852.54 9,652,438.37 7,230,028.31 5,093,099.11 3,643,508.61
CREDITO EDUCATIVO
PROVINCIA 2010 2011 2012 2013 2014
DE NAPO 0 0 0 0 0
DE
ORELLANA 0 0 0 0 0
DE
PICHINCHA 0 0 286,380,775.03 300,151,072.23 284,769,485.18
TOTAL 0 0 286,380,775.03 300,151,072.23 284,769,485.18
- - 915,645,939.39
20.40%
7.55%
-0.23%
2011 2012 2013 2014 2015 2016 -7.37%
2017 2018
-26.73% -23.21%
-67.97%
2018
580,832.91
###
###
###
2015 2016 2017
- - 850,501.02
- - 3,322,978.97
0 0-
2,501,109.68 2,404,913.11 -
2,503,124.68 2,406,929.11 - -
0
0
0
2015 2016 2017
0 0 0
0 0 0
142,669,022.98 0 0 2018
142,669,022.98 0 0 0
0
###
###
2015 2016 2017
0 0 0
0 0 0
20.40%
7% 2018
Total Cartera
915.64
670.92
214.90
459.26
493.91
509.55
397.71
372.83
451.49
Año Comercial Consumo Vivienda Microempresa Educativo
Microempresa ; 1.22%
Vivienda; 29.99%
Comercial; 50.74%
Consumo; 18.05%
MUTUALISTAS EN MILLONES DE DOL
Inversión
Productivo Total Cartera Tipo de Cartera Comercial
Pública
- - 10,085,174.70 1000000 2008 3.52
- - 11,119,885.50 10.3% 1000000 2009 5.98
- - 25,629,165.81 154.1% 1000000 2010 9.58
- - 10,141,645.89 0.6% 1000000 2011 6.78
- - 24,497,596.41 142.9% 1000000 2012 17.64
- - 21,814,540.45 116.3% 1000000 2013 12.37
- - 18,520,981.72 83.6% 1000000 2014 7.40
- - 5,831,916.72 -42.2% 1000000 2015 2.49
- - 8,773,834.36 -13.0% 1000000 2016 3.46
- - - 1000000 2017 -
- - - 1000000 2018 -
1000000 2019
1000000 2020
0.00 0.00 136,414,741.56
154.13%
142.91%
116.30%
83.65%
10.26%
0.56%
rcial; 50.74% 2009 2010 2011 2012 2013 2014 2015 2016
-13.00%
-42.17%
TAS EN MILLONES DE DOLARES
Inversión
Consumo Vivienda Microempresa Educativo Productivo Total Cartera
Pública
0.93 5.63 0.02 - - - 10.09
1.37 3.72 0.05 - - - 11.12
4.75 11.11 0.19 - - - 25.63
1.27 2.05 0.04 - - - 10.14
3.47 3.01 0.37 - - - 24.50
3.76 5.41 0.28 - - - 21.81
6.08 4.32 0.72 - - - 18.52
0.26 3.08 - - - - 5.83
2.73 2.58 - - - - 8.77
- - - - - - -
- - - - - - -
2016
-13.00%
.17%
Año Comercial Consumo Vivienda Microcrédito Educativo
0.24% 2.60%
19.10%
78.06%
Educativo; 0.00%
Comercial; 5.40%
Microempresa ; 36.46%
Consumo; 49.83%
Vivienda; 8.31%
Microempresa Educativo Total Cartera evolucion
111,834,542.16 - 247,506,764.87
171,202,973.76 - 393,422,387.78 59.0%
197,574,682.47 - 470,585,998.07 19.6%
3,312,634,067.01 - 9,055,796,414.55 1824.4%
3,721,469,131.22 - 10,240,355,419.99 13.1%
3,873,036,872.41 - 10,270,259,336.69 0.3%
356,616,034.67 - 1,120,502,258.41 -89.1%
415,667,334.71 59,014.53 1,354,385,680.99 20.9%
597,016,261.74 64,525.46 1,835,303,308.59 35.5%
1806.4%
12,757,051,900.15 123,539.99 34,988,117,569.94
1824.37%
ercial; 5.40%
247.51
393.42
470.59
9,055.80
10,240.36
10,270.26
1,120.50
1,354.39
1,835.30
Tipo de
Comercial Consumo Vivienda Microempresa Educativo
Cartera
2010 2,176,271,603.30 1,490,210,368.01 674,933,690.13 301,177,039.70 -
2011 2,667,020,970.31 2,043,362,621.90 589,198,112.35 341,490,250.19 -
2012 3,224,653,748.49 2,485,525,596.99 585,486,470.26 357,987,379.13 -
2013 3,632,792,886.96 2,699,658,663.84 614,839,099.22 348,797,215.76 2,175,086.77
2014 4,044,714,020.48 3,070,246,086.89 696,905,231.19 409,848,815.88 22,807,507.78
2015 3,783,105,392.79 2,939,284,869.56 776,818,907.67 418,843,960.06 205,247,585.19
2016 4,243,688,356.11 2,625,329,152.18 876,961,682.08 457,303,316.13 210,667,935.20
2017 4,462,535,193.97 4,263,002,904.54 914,436,580.83 497,625,926.00 208,135,070.35
2018 4,399,059,835.68 5,045,856,239.98 952,397,045.50 530,610,977.31 191,205,245.77
Tipo de
Comercial Consumo Vivienda Microempresa Educativo
Cartera
2010 2,176.27 1,490.21 674.93 301.18
2011 2,667.02 2,043.36 589.20 341.49
2012 3,224.65 2,485.53 585.49 357.99
2013 3,632.79 2,699.66 614.84 348.80 2.18
2014 4,044.71 3,070.25 696.91 409.85 22.81
2015 3,783.11 2,939.28 776.82 418.84 205.25
2016 4,243.69 2,625.33 876.96 457.30 210.67
2017 4,462.54 4,263.00 914.44 497.63 208.14
2018 4,399.06 5,045.86 952.40 530.61 191.21
32,633.84 26,662.48 6,681.98 3,663.68 840.24
PARTICIPACIÓN 42.53% 34.75% 8.71% 4.78% 1.10%
CARTERA CONSUMO
PROVINCIA 2010 2011 2012 2013 2014 2015
DE NAPO ### 11,216,263.95 9,937,597.34 11,570,596.24 13,621,364.73 12,025,562.13
DE ORELLANA ### 9,709,884.95 11,672,559.64 20,237,034.37 25,000,970.83 21,340,456.63
DE PICHINCHA ### 2,022,436,473.00 ### 2,667,851,033.23 ### ###
TOTAL ### 2,043,362,621.90 ### 2,699,658,663.84 ### ###
CARTERA DE VIVIENDA
PROVINCIA 2010 2011 2012 2013 2014 2015
DE NAPO ### 869,349.57 617,029.44 414,946.24 381,113.12 919,738.19
DE
ORELLANA ### 3,901,555.79 2,426,843.27 2,105,141.10 1,464,308.61 1,040,006.39
DE
PICHINCHA ### 584,427,206.99 582,442,597.55 612,319,011.88 ### 774,859,163.09
TOTAL ### 589,198,112.35 585,486,470.26 614,839,099.22 ### 776,818,907.67
- 4,642,592,701.14
- 5,641,071,954.75
- 6,653,653,194.87
- 7,298,262,952.55
- 8,244,521,662.22
1,400,910,452.92 9,524,211,168.19
1,544,932,933.41 9,958,883,375.11
1,620,197,577.18 11,965,933,252.87
1,674,213,268.58 12,793,342,612.82 Educa- Com-
tivo; Productivo ; 8.13% ercial;
Mi- 1.10% 42.53%
croem
Productivo Total Cartera
presa ;
4.78%
4,642.59 Vivienda; 8.71%
5,641.07
6,653.65
7,298.26
8,244.52
1,400.91 9,524.21 Con-
1,544.93 9,958.88 sumo;
34.75%
1,620.20 11,965.93
1,674.21 12,793.34
6,240.25 76,722.47
8.13% 100.00%
SOCIEDADES
PICHINCHA ORELLANA NAPO
Años Matriz Matriz Matriz total
2010 0
2011 0
2012 0
2013 0
2014 0
2015 337 7 3 347
2016 323 7 3 333
2017 326 11 6 343
2018 318 10 5 333
2017
2016
2015
2014
2013
2012
2011
2010
0 1000 2000 3000 4000 5000 6000 7000 8000