17_01agr-francisco mere.pps
TRANSCRIPT
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La experiencia de FIRA en el apoyo a la pequea agricultura en el marco del TLCAN
Mayo 2004
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ContenidoEvolucin del comercio exterior de MxicoNuevo Modelo de Negocio de FIRAResultados alcanzadosComentarios finales
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En el sector agroalimentario, el comercio exterior ha acelerado su crecimiento y sus exportaciones El PIB del sector agropecuario ha crecido a una tasa anual media de 2.0% entre 1995 y 2003 El sector agroindustrial ha crecido durante el mismo periodo en 3.3% anualFuente: INEGI
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El libre comercio ha permitido a Mxico capturar el valor agregado y alejarse de la dependencia de los commoditiesSe prev que esta tendencia contine Principalmente productos con valor agregadoAtienden los gustos del consumidorExportaciones Agroalimentarias y Agropecuarias (Millones de dlares)Fuente: INEGI
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Por ejemplo, con Estados Unidos han crecido de manera rpida las exportaciones de productos finales e incrementado las importaciones de insumosEstados Unidos:Importaciones provenientes de Mxico(millones de dlares)Estados Unidos:Exportaciones a Mxico(millones de dlares)Fuente: USDAAntesDespuesNafta
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Esta tendencia y la ventaja comparativa observada en NAFTA se estn replicando en otros mercadosFuente: Secretara de Economa, Subsecretara de Negociaciones Comerciales Internacionales(Millones de Dlares)Mxico gozar de ventajas arancelarias en productos agroalimentarios otorgadas por Japn, por encima de Brasil, Estados Unidos y Pases Asiticos.UE: Unin Europea
Hoja1
Fraccion ArancelariaDescripcion Fraccion ArancelariaUnidad de MedidaPais OrigenNombre Pais OrigenCantidad de Mercancia en Unidades de la TarifaValor Comercial (USD)Fraccion ArancelariaDescripcion Fraccion ArancelariaUnidad de MedidaPais OrigenNombre Pais OrigenCantidad de Mercancia en Unidades de la TarifaValor Comercial (USD)Fraccion ArancelariaDescripcion Fraccion ArancelariaUnidad de MedidaPais OrigenNombre Pais OrigenCantidad de Mercancia en Unidades de la TarifaValor Comercial (USD)Fraccion ArancelariaDescripcion Fraccion ArancelariaUnidad de MedidaPais OrigenNombre Pais OrigenCantidad de Mercancia en Unidades de la TarifaValor Comercial (USD)Fraccion ArancelariaDescripcion Fraccion ArancelariaUnidad de MedidaPais OrigenNombre Pais OrigenCantidad de Mercancia en Unidades de la TarifaValor Comercial (USD)
4059001Grasa butirica deshidratada.KgEUCOMUNI ECONOMICA EUROPEA15600$32,136.044021001Leche en polvo o en pastillas.KgEUCOMUNI ECONOMICA EUROPEA298000$601,099.724063099Los demas.KgEUCOMUNI ECONOMICA EUROPEA17991$70,765.4811081301Fecula de papa (patata).KgEUCOMUNI ECONOMICA EUROPEA198000$64,088.9711081301Fecula de papa (patata).KgEUCOMUNI ECONOMICA EUROPEA407501.25$151,037.61
4069004KgEUCOMUNI ECONOMICA EUROPEA99767.93$236,542.354059001Grasa butirica deshidratada.KgEUCOMUNI ECONOMICA EUROPEA16000$27,200.054069004KgEUCOMUNI ECONOMICA EUROPEA164910$424,641.1811090001Gluten de trigo, incluso seco.KgEUCOMUNI ECONOMICA EUROPEA61500$56,285.59
4069099Los demas.KgEUCOMUNI ECONOMICA EUROPEA13980$48,650.464063099Los demas.KgEUCOMUNI ECONOMICA EUROPEA14857$54,499.684069099Los demas.KgEUCOMUNI ECONOMICA EUROPEA4994$17,479.00
6029001Blanco de setas.KgEUCOMUNI ECONOMICA EUROPEA18000$21,906.894069004KgEUCOMUNI ECONOMICA EUROPEA579108$1,590,686.366031001Flores frescas.KgEUCOMUNI ECONOMICA EUROPEA89.8$605.93
11081301Fecula de papa (patata).KgEUCOMUNI ECONOMICA EUROPEA547904.5$199,754.804069099Los demas.KgEUCOMUNI ECONOMICA EUROPEA19993$73,617.2411081301Fecula de papa (patata).KgEUCOMUNI ECONOMICA EUROPEA528000$225,321.95
11090001Gluten de trigo, incluso seco.KgEUCOMUNI ECONOMICA EUROPEA340000$392,899.867096001Chile "Bell".KgEUCOMUNI ECONOMICA EUROPEA10240$12,706.9211090001Gluten de trigo, incluso seco.KgEUCOMUNI ECONOMICA EUROPEA243000$237,220.02
12079999Los demas.KgEUCOMUNI ECONOMICA EUROPEA19115$36,318.457112001Aceitunas.KgEUCOMUNI ECONOMICA EUROPEA144432$193,446.25
7113001Alcaparras.KgEUCOMUNI ECONOMICA EUROPEA12650$22,770.01
11081301Fecula de papa (patata).KgEUCOMUNI ECONOMICA EUROPEA1978300$743,920.55
11090001Gluten de trigo, incluso seco.KgEUCOMUNI ECONOMICA EUROPEA1060000$1,125,543.97
Hoja2
exportaciones anuales de la UE
millones de ECU/euros
19992000200120022003
Alimentos y animales vivos30,81835,48536,59836,73935,329
Bebidas y tabaco12,81814,43214,96715,71315,394
Agroalimentarias43,63649,91751,56552,45250,723
Mxico10,42214,04215,03415,05914,078
Mill euros1.13
Mx Agroalimentarias370.18505.48510552527595.51
0.03551877050.03599765160.03390283960.03665582040.0374342946
Importaciones anuales de la UE
millones de ECU/euros
19992000200120022003
Alimentos y animales vivos
Bebidas y tabaco
Agroalimentarias0.00.00.00.00.0
Mxico4,6957,0427,3826,2226,172
Mill euros
Mx Agroalimentarias306.83457.83445440395446.35
0.06535327610.0650146330.06032838380.07071681130.0639987038
Hoja3
ProductoExportaciones de Mxico a la UE (%)ProductoImportaciones de Mxico de la UE (%)
Caf14.4Semillas de colza y resinas8.4
Cerveza13.4Preparaciones a base de leche7.5
Garbanzos10.9Vino4.9
Miel8.0Preparaciones de leche para nios4.8
Extractos7.6Queso y cuajos4.2
Otros extractos6.9Otras semillas resinosas4.0
Uva de mesa4.7Brandy4.0
Jugo de naranja3.9Leche en polvo2.9
Follajes3.5Whisky2.8
Tabaco3.1Alimento para animales2.7
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La globalizacin de mercados est impulsando la consolidacin y un cambio en la comercializacin de alimentosComida rpida MacDonalds $ 40 MMTricon $ 22 MMBurger King $ 11 MMDetallistas Wal Mart $191 MM Carrefour $ 60 MM Kroger $ 49 MMDistribuidores SYSCO $ 20 MM US Food Service $ 19 MMLos tres detallistas ms grandes dominan el mercado Suecia95%Chile 45% Holanda81%Brasil 32% Francia66%USA 30% Inglaterra54%Fuente: J. E. Austin Associates
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Estos fenmenos estn presentes en Mxico, en algunos casos con mayor velocidadSupermercados 46% ventas de alimentos Walmart 60% market share en MxicoLeche fluida Fusin de empresas Lala, Alpura, Sello Rojo, Zaragoza y San Marcos: 70% market share en MxicoLcteos (yogurt) 84% del market share de Mxico: Danone (40%), Sigma (17%) y Nestl (16%), Alpura (11%)Avicultura (carne) 52% market share de Mxico: Bachoco (31%), Pilgrims Pride (11%), Tyson (10%) Porcicultura 70% del market share de embutidos enMxico: Sigma 40% y Qualtia 30% (fusin de Kir y Axa Alimentos)Comercializacin Trigo J-V AOAS Cargill, 20% del mercado del Valle del Yaqui yMayo, el cual produce 42% del trigo nacional.Fuente: Estimaciones de FIRA
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Estos cambios en el entorno, se traducen en grandes desafos para los pequeos productoresEl xito exportador se centra en el valor agregado, para lo cual se requiere escala y capitalGeneralmente los pequeos productores se ubican en el sector de commodities (sin valor agregado)Es posible sumar al pequeo al sector exportador?Es posible financiarlos?Tienen alternativas aqullos que no podrn ser competitivos en commodities?Cmo mitigar los efectos del desplazamiento derivado del comercio?Puede la banca de desarrollo apoyar a una transicin/ajuste ordenado?
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Contenido
Evolucin del comercio exterior de MxicoNuevo Modelo de Negocio de FIRAResultados alcanzadosComentarios finales
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Dinamismo de los exportadores de productos con valor agregado Supply chain management Integracin va outsourcing Los pequeos se vuelven proveedores de los grandesTransicin hacia sociedad urbana Actividades econmicas en el medio rural distintas a lo agropecuarioEn FIRA consideramos que la banca de desarrollo S puede dar una respuesta positiva a esos desafosCambios en el gusto del consumidor Demanda por productos de nicho Los pequeos estn naturalmente equipados para atender este mercado
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Nuestro nuevo modelo de negocio recoge estos retos y los convierte en oportunidadesPrevio a 1999Nuevo EnfoqueEnfoque agropecuario primarioOrientacin a productoSistema Agroalimentario*Economa ruralOrientacin al clienteRed de valor completa = mejora manejo de riesgoAmpliacin de mercado Productos estandarizados Productos a la medida* Incluye actividades forestales y pesca.
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La integracin va outsourcing o desarrollo de proveedores, no slo da viabilidad a los pequeos, sino les da oportunidad de tener crditoPRODUCTORSPVINVERSIONISTA1. Contrato de proveedura.2. CrditoVenta de activosmisin de deudaFondeo y garantaSenior trancheJunior tranche with sinking fund Mxico exporta a EE.UU.A. US$ 396 millones de productos pesqueros (74% es camarn) Integracin de proveedores y financiamiento fuera de balance de las empresas Beneficio mutuo, acceso a crdito y comercializacin
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El esquema se est replicando para otros mercadosCerveceraCuahutemocMoctezuma (FEMSA)
Productor # 12 mundial Agricultura por contrato fuera de monopolio con productores de bajos ingresos Crecimiento en 50% de agricultura por contrato Reduccin de 53% en importaciones de cebadaTyson de Mxico
Productor de pollo # 1 en el mundoDesincorporacin de activos hacia pequeos productoresCrecimiento en 100% de proveedura a travs de pequeos productoresTransferencia de tecnologa, estabilidad de precio e ingreso
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El cambio en el gusto del consumidor abre oportunidades de mercados de nicho Los productos orgnicos son un ejemplo de productos de nicho, con valor agregado ideales para los pequeos
Brasil#1 en produccin de cafColombia#1 en produccin de caf gourmetMxico#1 en produccin de caf orgnico64.8 ct/Lb 78.3 ct/Lb. 126 ct/LbArbigo Natural* Arbigo* Orgnico Comercio JustoOtros ejemplos son mielMedicina prehispnica, etc.* Precios promedio de 2003Fuente: Global Exchange
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Para muchos productores pequeos, la agricultura ha dejado de ser su principal fuente de ingresoEl 71% del ingreso proviene de actividades no agropecuarias
Es indispensable generar fuentes alternativas de empleo en las zonas rurales para evitar la migracinFuente: IICA
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FIRA tiene un programa de crdito a actividades no tradicionales en poblaciones de menos de 50,000 hab.Otorgamiento de crdito(millones de dlares)Fuente:FIRACifras al cierre de 2003
Financiamiento ruralParticipacinArtesanas4.1%Construccin1.5%Ecoturismo0.2%Electricidad, gas y agua1.4%Minerales metlicos0.6%Minerales no metlicos12%Otras subramas3.3%Papelera, librera, imprenta y editoriales2.7%Pequeo comercio, restaurantes y hoteles33.9%Preservacin y mejoramiento ambiental4.7%Productos de caucho y plstico0.7%Servicios comunales, sociales y personales15.8%Textiles, prendas de vestir y cuero8.5%Transporte, almacenamiento y comunicaciones10.6%
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Para atender mejor a los pequeos se requiere una mayor red de distribucin de recursos, con especializacin y cercana al clientePre-2003Hacia el futuroBANCOSBANCOSALMACENADORESSOFOLESARRENDADORASUNIONES DE CREDITOFACTORAJE
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Contenido
Evolucin del comercio exterior de MxicoNuevo Modelo de Negocio de FIRAResultados alcanzadosComentarios finales
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**TMAC real 10. 2% (1998-2003) total Nivel superior a 1995 **TMAC de crdito de largo plazo de 17% (1999-2003)Liberacin de mrgenTasas de inters fijas*Programa 2004**Tasa Media Anual de CrecimientoEn los ltimos cinco aos el crdito de FIRA ha crecido aceleradamente
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El crdito de FIRA a productores con ingreso inferior a US$12,500 anuales ha crecido basado en esta estrategiaIngresos inferiores a US$4,000 anualesIngresos entre US$4,000 y US$12,500 anuales
Grfico1
4871.393
5163.498
6814.61
6523.966
6293.535
8120.693
Descuentos otorgados por la Banca Comercial a productores PD1
Descuentos otorgados por la Banca Comercial a productores PD1(Millones de pesos de 2003)
Contr.2003Prel.
PD3
2003Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Contratado Avo409,881,244.281,381,080,619.13865,601,458.131,977,824,476.18832,015,142.04873,631,440.186,340,034,379.941,900,193,359.32,903,677,445.81,875,840,176.33,262,108,168.8912,015,142.0873,631,440.211,727,465,732.5
Contratado Refaccionario286,306,078.76597,009,306.96348,961,577.711,152,132,871.89302,500,000.001,739,384,000.004,426,293,835.33640,969,801.5784,219,888.6510,028,513.71,583,270,695.9302,500,000.01,739,384,000.05,560,372,899.7
Total696,187,323.041,978,089,926.091,214,563,035.843,129,957,348.071,134,515,142.042,613,015,440.1810,766,328,215.262,541,163,160.893,687,897,334.392,385,868,690.014,845,378,864.701,214,515,142.042,613,015,440.1817,287,838,632.2
Crditos Avo2,3419081541051283,52812,9311,74330718113815,183
Crditos Refacc.1,0913125356571,5243,1404177394573,736
Total3,4321,22020716117155,05216,0712,160380275181518,919
Socios Avo14,0548,3552,2331,8251,2583,00930,734240,050142,701109,22558,1282,2333,009555,346
Socios Refacc.2,1612,2264411,281217886,91817,49121,13910,34311,4992178861,281
Total16,21510,5812,6743,1061,2793,79737,652257,541163,840119,56869,6272,2543,797616,627
rama
Contratado Agricultura410,561,009.871,002,813,228.47654,972,126.141,758,688,572.15320,187,847.861,759,309,850.945,906,532,635.441,594,175,129.292,322,568,666.691,249,811,225.262,949,303,925.15320,187,847.861,759,309,850.9410,195,356,645.20
Contratado Ganadera159,815,731.24596,932,835.41280,450,547.571,019,003,192.02814,327,294.18853,705,589.243,724,235,189.65513,215,067.93759,455,035.75372,260,286.621,183,862,556.02894,327,294.18853,705,589.244,576,825,829.74
Contratado Forestal26,264,623.5425,258,910.0020,000,000.0042,600,000.76114,123,534.3055,703,245.5441,867,010.0026,000,000.0062,600,000.76186,170,256.30
Contratado Pesca22,330,452.43169,704,012.51135,121,275.13287,423,103.14614,578,843.2238,627,534.45197,982,512.62151,921,275.13343,895,302.77732,426,624.98
Contratado Otros Sectores77,215,505.95183,380,939.70124,019,087.0022,242,480.00406,858,012.66339,442,183.67366,024,109.32585,875,903.00305,717,080.001,597,059,276.00
Total696,187,323.041,978,089,926.091,214,563,035.843,129,957,348.071,134,515,142.042,613,015,440.1810,766,328,215.262,541,163,160.893,687,897,334.392,385,868,690.014,845,378,864.701,214,515,142.042,613,015,440.1817,287,838,632.22
Creditos Agricultura1,826626114935102,67410,6451,33321215951012,364
Creditos Ganadera1,02539151491251,5333,27250567641353,926
Creditos Forestal15014221682752143303
Creditos Pesca79652115180142772318260
Creditos Otros Sectores3521241924971,73722474312,066
Total3,4321,22020716117155,05216,0712,160380275181518,919
Socios Agricultura11,2105,5149741,9161,0143,00623,634124,917108,06361,96159,1471,0143,006358,108
Socios Ganadera3,7114,1221,29865626579110,84323,03627,43311,3855,2711,24079169,156
Socios Forestal273112104649590,70712,7104411,919105,777
Socios Pesca1982921725281,1907461,1902278883,051
Socios Otros Sectores8235411260.01,49018,13514,44445,5542,40280,535
Total16,21510,5812,6743,1061,2793,79737,652257,541163,840119,56869,6272,2543,797616,627
actividad
Contratado Primaria422,562,516.671,014,344,100.74495,902,026.141,019,746,653.73210,600,002.29225,000,000.003,388,155,299.571,891,146,755.502,335,478,178.881,091,196,996.862,099,699,188.36290,600,002.29225,000,000.007,933,121,121.89
Contratado Industrial143,236,724.29485,269,992.69280,700,365.331,052,005,415.62428,277,743.661,773,502,003.854,162,992,245.44255,376,497.86685,634,193.22425,805,486.811,585,709,797.62428,277,743.661,773,502,003.855,154,305,723.03
Contratado Comercial32,997,050.02249,207,153.26304,812,557.38825,109,298.54384,964,204.98614,513,436.332,411,603,700.52180,601,799.36283,598,213.26334,701,817.38885,609,298.54384,964,204.98614,513,436.332,683,988,769.86
Contratado Servicios97,391,032.04229,268,679.40133,148,087.00233,095,980.17110,673,191.11803,576,969.73214,038,108.16383,186,749.02534,164,388.96274,360,580.17110,673,191.111,516,423,017.43
Total696,187,323.041,978,089,926.091,214,563,035.843,129,957,348.071,134,515,142.042,613,015,440.1810,766,328,215.262,541,163,160.893,687,897,334.392,385,868,690.014,845,378,864.701,214,515,142.042,613,015,440.1817,287,838,632.22
Creditos Primaria2,23661484574212,9881,3151811255214,616
Creditos Industrial7063044549681,2754406589681,883
Creditos Comercial871605744558201836246551,121
Creditos Servicios40314221112988222721521,299
Total3,4321,22020716117150.016,0712,160380275181518,919
Socios Primaria5,9843,9811,0151,1412500.0102,60192,43756,88054,3171,2250.0307,460
Socios Industrial8,9864,8631,2041,63015790137,92456,83420,95112,56515790229,079
Socios Comercial2796602091581,0093,0079,7742,0991,6011661,0093,00717,656
Socios Servicios9661,07724617757,24212,47040,1362,579562,432
Total16,21510,5812,6743,1061,2793,7970.0257,541163,840119,56869,6272,2543,797616,627
Nivel acreditado
Contratado Individual169,976,452.81405,428,243.08117,075,290.11235,677,880.4758,000,000.00986,157,866.47611,880,170.47470,861,276.08127,025,290.11319,727,880.4758,000,000.001,587,494,617.13
Contratado Agrupado526,210,870.231,572,661,683.011,097,487,745.732,894,279,467.601,076,515,142.042,613,015,440.189,780,170,348.791,929,282,990.423,217,036,058.302,258,843,399.904,525,650,984.231,156,515,142.042,613,015,440.1815,700,344,015.09
Total696,187,323.041,978,089,926.091,214,563,035.843,129,957,348.071,134,515,142.042,613,015,440.1810,766,328,215.262,541,163,160.893,687,897,334.392,385,868,690.014,845,378,864.701,214,515,142.042,613,015,440.1817,287,838,632.22
Crditos Individual1,094247201421,3777,535278212227,858
Crditos Agrupados2,33897318714715153,6758,5361,882359253161511,061
Total crditos3,4321,22020716117155,05216,0712,160380275181518,919
Socios Individual2,57180015523163,56513,298884155231614,376
Socios Agrupados13,6449,7812,5193,0831,2633,79734,087244,243162,956119,41369,6042,2383,797602,251
Total Socios16,21510,5812,6743,1061,2793,79737,652257,541163,840119,56869,6272,2543,797616,627
Desc.2003
DESCONTADO 2003
Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Desc. Avo1,504,298,4413,620,511,8081,901,191,6193,998,645,6991,554,395,8522,702,275,13815,281,318,5564,500,650,7476,475,980,6133,834,017,0796,308,789,1301,684,910,5553,080,720,40825,885,068,532
Desc. Refaccionario758,715,3981,255,071,323766,661,1252,312,682,851697,499,8883,315,722,2089,106,352,7921,614,943,0891,692,999,8791,022,931,7382,800,530,364697,499,8883,315,722,20811,144,627,166
Total2,263,013,8384,875,583,1312,667,852,7436,311,328,5502,251,895,7406,017,997,34624,387,671,34937,029,695,698
Crditos avo3,2981,60727019825195,41715,9722,985534315272419,857
Crditos Refacc.1,80053810099992,5554,749768135138995,808
Total5,0982,14537029734287,97225,665
Socios avo12,6108,7542,2941,8951,4473,04930,049161,143196,03990,09463,6802,4223,049516,427
Socios refacc.1,6101,2802321,088197845,01310,11914,4284,8009,8821978440,032
Total14,22010,0342,5262,9831,4663,83335,062556,459
Beneficiarios avo33,77120,32559,18022,5281,5213,345140,670262,101370,242309,229124,9762,6128,4551,077,615
Beneficiarios refacc.3,6374,1121,2662,071353,37014,49126,09525,27810,27515,004353,37080,057
Total37,40824,43760,44624,5991,5566,715155,1611,157,672
rama
descontado agricultura1,286,468,1502,579,484,1321,415,005,1223,432,123,911818,708,7883,150,906,06612,682,696,1693,869,625,7495,038,304,8112,602,864,7075,021,907,360869,223,4913,529,351,336
descontado ganadera626,512,1111,501,795,066802,538,6692,039,554,8471,290,351,9522,867,091,2809,127,843,9241,309,012,1231,889,651,434969,881,1682,780,916,4161,370,351,9522,867,091,280
descontado forestal85,146,24447,814,64039,998,00095,640,332268,599,215149,314,33689,827,06576,095,666155,640,332
descontado pesca44,796,638311,630,429225,815,719721,364,98860,000,0001,363,607,77473,408,586369,615,355260,189,046812,524,29960,000,000
descontado otros sectores220,090,696434,858,864184,495,23422,644,47382,835,000944,924,266714,233,043781,581,826947,918,230338,331,08782,835,000
Total2,263,013,8384,875,583,1312,667,852,7436,311,328,5502,251,895,7406,017,997,34624,387,671,349
Crditos Agricultura2,9301,18619715412164,49513,3132,3463722471321
Crditos Ganadera1,3896351089920122,2634,2838681321232112
Crditos Forestal20322432323444896
Crditos Pesca941153639128517913741451
Crditos Otros sectores48218725216972,602354115321
Total5,0982,14537029734287,972
Socios Agricultura10,2605,5441,0531,8311,0453,00622,739112,77096,82042,03163,7851,0453,006
Socios Ganadera2,7613,6771,1066544108279,43514,34022,12211,7124,6041,385827
Socios Forestal26550104642526,18376,9433051,919
Socios Pesca1612961784921,1276591,194233852
Socios Otros Sectores77346785111,33617,31013,38840,6132,40211
Total14,22010,0342,5262,9831,4663,83335,062
Actividad
descontado primaria1,432,607,9532,512,173,3471,191,310,3932,317,024,706268,594,000661,338,2088,383,048,6074,531,626,4434,995,804,6242,436,217,6854,246,824,087399,108,7031,039,783,477
descontado industrial487,967,2131,243,680,939525,704,7932,213,787,0241,250,620,1404,629,913,33810,351,673,448731,195,3461,699,694,178702,806,7852,923,004,7071,250,620,1404,629,913,338
descontado comercial82,731,936619,835,039701,039,3871,361,443,263384,985,640614,565,8003,764,601,064355,584,446702,103,436790,668,1331,468,690,529384,985,640614,565,800
descontado servicios259,706,737499,893,806249,798,170419,073,557347,695,960112,180,0001,888,348,230497,187,600771,378,254927,256,214470,800,171347,695,960112,180,000
Total2,263,013,8384,875,583,1312,667,852,7436,311,328,5502,251,895,7406,017,997,34624,387,671,349
crditos primaria3,4911,162170119424,94816,3842,37435121867
crditos industrial941497719020201,6391,648720951372020
crditos comercial1472749868555971,3543211127355
crditos servicios5192123120517881,3353381112551
Total5,0982,14537029734287,972
Socios primaria4,2673,5291,0261,04623510,10382,25876,22241,20250,8361,210
Socios industrial8,7904,8041,0851,64720482617,35672,788120,62111,99520,026204826
Socios comercial2616202221631,0093,0075,2829,7132,0481,6141711,0093,007
Socios servicios9021,081193127182,3216,50311,57640,0832,52918
Total14,22010,0342,5262,9831,4663,83335,062
Nivel acreditado
descontado individual741,753,394982,367,615267,614,126454,121,667116,000,0002,561,856,8031,812,008,9971,212,307,059322,905,527538,683,169116,000,000
descontado agrupado1,521,260,4443,893,215,5152,400,238,6175,857,206,8832,135,895,7406,017,997,34621,825,814,5464,303,584,8396,956,673,4344,534,043,2918,570,636,3242,266,410,4436,396,442,616
Total2,263,013,8384,875,583,1312,667,852,7436,311,328,5502,251,895,7406,017,997,34624,387,671,349
Crditos individual1,611473362722,1498,77359445352
Crditos agrupados3,4871,67233427032285,82311,9483,1596244183433
Total5,0982,14537029734287,972
Socios individual1,665550592812,30311,06560059281
Socios agrupados12,5559,4842,4672,9551,4653,83332,759160,197209,86794,83573,5342,4403,833
Total14,22010,0342,5262,9831,4663,83335,062
grficos
41,530.00124,590.00
grficos
9.2793354729
19.9919994863
10.939350073
25.8791766529
9.2337464607
24.6763918541
2003
%
Participacin porcentual del monto total descontado en PD3
Clculos
28.9537414166
38.3459221538
10.4461001135
17.7262705107
4.5279658053
0
2003
%
Participacin en el monto descontado en PD3 Individuales
Grfico BC
6.9700053628
17.837664236
10.9972464581
26.8361433686
9.786098638
26.5728419364
2003
%
Participacin en el monto descontado en PD3 Agrupados
BC
14220
10034
2526
2983
1466
3833
Nmero de Socios PD3 por Rangos
Nmero de productores beneficiados PD3
Montos-Pd3
2263.01383846
4875.58313075
2667.85274349
6311.32854985
2251.89574001
6017.99734608
Monto Contratado en PD3 por Rangos
Monto Descontado en PD3 (Millones de pesos)
Montos-Total
14220
10034
2526
2983
1466
3833
Total socios
Nmero de Socios PD3
Nivel Agrup. Pd3
2263.01383846
4875.58313075
2667.85274349
6311.32854985
2251.89574001
6017.99734608
Total
Monto Descontado en PD3
NIvel Agrup. Total
5098
2145
370
297
34
28
Nmero de Crditos PD3 por Rangos
Nmero de Crditos Otorgados a PD3
5098
2145
370
297
34
28
Total crditos
Nmero de Crditos Otorgados a PD3
64.0%
159143.0266146273
485906.2318865859
1056157.0639311166
2115765.5212370097
1536081.6780422921
1570048.877140621
Nmero de Socios PD3 por Rangos
Monto promedio por beneficiario en PD3(Pesos)
PD1+PD2
2003
junioDiciembreJulio - diciembreIncremento segundo semestre
B.C.4,782,87010,799,9756,017,1051,286,801
Banrural1,775,8691,842,05066,181
12,642,025
2002factorreal 2002
B.C.4,071,2598,620,6554,549,3960.96175557964,730,304
Banrural2,333,8154,716,0712,382,2562,476,987
13,336,726
Banca comercialrealVariacin $Variacin %
Estrato2002200220032003/20032003/2003
PD16,051,7786,292,4288,119,9101,827,48229.0
PD22,568,7772,670,9252,680,0659,1400.3
Total8,620,5558,963,35310,799,9751,836,62220.5
BanruralrealVariacin $Variacin %
Estrato2002200220032003/20032003/2003
pd13,555,3553,696,7341,367,315(2,329,419.5)(63.0)
pd21,160,7161,206,872474,735(732,137.1)(60.7)
Total4,716,0714,903,6071,842,050(3,061,556.6)(62.4)
Total-Total13,336,62613,866,96012,642,025(1,224,934.8)(8.8)
Descuentos otorgados por la Banca Comercial a productores PD1
19953,512.0
19963,412.8
19974,039.4
19984,871.4
19995,163.5
20006,814.6
20016,524.0
20026,293.5
20038,120.7
TMAC90.3
0
0
0
0
0
0
Descuentos otorgados por la Banca Comercial a productores PD1
Descuentos otorgados por la Banca Comercial a productores PD1(Millones de pesos de 2003)
Descuentos otorgados por la Banca Comercial a productores de bajos ingresos
(Millones de pesos de 2003)
Estrato20022003Variacin $Variacin %
2003/20032003/2002
PD16,292,4288,119,9101,827,48229.0
PD22,670,9252,680,0659,1400.3
Total8,963,35310,799,9751,836,62220.5
PD3
2003Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Desc. Avo1,504,298,4413,620,511,8081,901,191,6193,998,645,6991,554,395,8522,702,275,13815,281,318,556
Desc. Refaccionario758,715,3981,255,071,323766,661,1252,312,682,851697,499,8883,315,722,2089,106,352,792
Total2,263,013,8384,875,583,1312,667,852,7436,311,328,5502,251,895,7406,017,997,34624,387,671,349
1,000,0002,2634,8762,6686,3112,2526,01824,388
Crditos avo3,2981,60727019825195,417
Crditos Refacc.1,80053810099992,555
Total crditos5,0982,14537029734287,972
Socios avo12,6108,7542,2941,8951,4473,04930,049
Socios refacc.1,6101,2802321,088197845,01376.38
Total socios14,22010,0342,5262,9831,4663,83335,062
PD3
2002Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Contratado Avo582,078,039.691,738,721,348.26837,229,287.00941,182,307.00150,000,000.004,249,210,981.95
Contratado Refaccionario407,665,787.12758,163,473.78469,350,620.941,015,581,032.00513,694,344.00633,000,000.003,797,455,257.84
Total989,743,826.812,496,884,822.041,306,579,907.941,956,763,339.00513,694,344.00783,000,000.008,046,666,239.79
4,793,208,556.7959.57
Crditos Avo4,0301,2611575845,510
Crditos Refacc.1,6844297050742,244
Total5,7141,690227108787,754
Socios Avo248321691390.0777
Socios Refacc.0.0880.00.00.00.088
Total248409691390.00.0865
PD3
2001Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Contratado Avo572,287,346.011,440,043,411.00692,173,973.00961,950,072.5360,273,000.00150,000,000.003,876,727,802.54
Contratado Refaccionario352,469,264.75575,308,298.67258,693,950.00535,697,400.00745,503,000.00175,000,000.002,642,671,913.42
Total924,756,610.762,015,351,709.67950,867,923.001,497,647,472.53805,776,000.00325,000,000.006,519,399,715.96
Crditos Avo3,7341,00912270114,937
Crditos Refacc.1,43134043281011,853
Total5,1651,349165981126,790
Socios Avo26521786300.00.0598
Socios Refacc.0.0170.00.00.00.017
Total26523486300.00.0615
PD3
Participacin en el monto total por rango
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003920112692510099
20021441202204100
200114311523125100
Promedio Descontado por Crdito
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003443,902.282,272,999.137,210,412.8221,250,264.4866,232,227.65214,928,476.653,059,166.00
2002173,213.831,477,446.645,755,858.6318,118,179.0673,384,906.2997,875,000.001,037,743.91
2001179,042.911,493,959.765,762,835.9015,282,117.0773,252,363.64162,500,000.00960,147.23
Monto promedio por socio
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003159,143485,9061,056,1572,115,7661,536,0821,570,049695,558
20023,990,9036,104,85318,935,94114,077,4340.00.09,302,504
20013,489,6488,612,61411,056,60449,921,5820.00.010,600,650
0.1591430266
maria_macias:Las cifras en rojo no se incluyeron en el anlisis y corresponden al monto contratado, no al descontado.
Total Contratado
2003Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Desc. Avo4,500,650,7476,475,980,6133,834,017,0796,308,789,1301,684,910,5553,080,720,40825,885,068,532
Desc. Refaccionario1,614,943,0891,692,999,8791,022,931,7382,800,530,364697,499,8883,315,722,20811,144,627,166
Total6,115,593,8368,168,980,4924,856,948,8189,109,319,4942,382,410,4436,396,442,61637,029,695,698
Crditos Avo15,9722,985534315272419,857
Crditos Refacc.4,749768135138995,808
Total20,7213,753669453363325,665
Socios Avo161,143196,03990,09463,6802,4223,049516,427
Socios Refacc.10,11914,4284,8009,8821978440,032
Total171,262210,46794,89473,5622,4413,833556,459
2002Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Contratado Avo3,130,318,354.83,932,377,623.02,198,658,341.91,731,967,891.1107,290,000.0150,000,000.011,250,612,210.7
Contratado Refaccionario1,131,131,397.41,036,329,133.5632,797,575.81,243,377,020.0513,694,344.0633,000,000.05,190,329,470.8
Total4,261,449,752.174,968,706,756.502,831,455,917.742,975,344,911.06620,984,344.00783,000,000.0016,440,941,681.47
Crditos Avo36,1142,5033581105439,094
Crditos Refacc.7,6985909261748,452
Total43,8123,09345017112847,546
Socios Avo9,6023,5769154500.00.014,543
Socios Refacc.5751010.00.00.00.0676
Total10,1773,6779154500.00.015,219
2001Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Contratado Avo1,718,367,912.72,344,575,650.1993,249,950.01,257,251,685.5177,963,743.0150,000,000.06,641,408,941.3
Contratado Refaccionario825,800,431.8762,357,673.9328,490,773.0634,016,693.8745,503,000.0175,000,000.03,471,168,572.4
Total2,544,168,344.503,106,933,323.931,321,740,723.001,891,268,379.34923,466,743.00325,000,000.0010,112,577,513.77
Crditos Avo42,7351,495166873144,487
Crditos Refacc.8,69846154331019,257
Total51,4331,95622012013253,744
Socios Avo16,0574,0337403489070.022,085
Socios Refacc.712830.00.00.00.0354
Total16,1284,3167403489070.022,439
Total Contratado
Participacin en el monto total por rango
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
20030.170.220.130.250.060.171.00
20020.260.300.170.180.040.051.00
20010.250.310.130.190.090.031.00
Monto Promedio Contratado por Crdito
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003295,1402,176,6537,260,01320,108,87366,178,068193,831,5941,442,809
200297,2671,606,4366,292,12417,399,67851,748,69597,875,000345,790
200149,4661,588,4126,007,91215,760,57071,035,903162,500,000188,162
Monto promedio por socio
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
200335,70938,81451,183123,832975,9981,668,78266,545
2002418,7331,351,2943,094,4876,611,8780.00.01,080,291
200149,4661,588,4126,007,91215,760,57071,035,903162,500,000188,162
PD3
2003Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Nivel acreditado
descontado individual741,753,394982,367,615267,614,126454,121,667116,000,0002,561,856,80311
descontado agrupado1,521,260,4443,893,215,5152,400,238,6175,857,206,8832,135,895,7406,017,997,34621,825,814,54689
Total2,263,013,838.464,875,583,130.752,667,852,743.496,311,328,549.852,251,895,740.016,017,997,346.0824,387,671,348.64
Crditos individual1,611473362722,149
Crditos agrupados3,4871,67233427032285,823
Total crditos5,0982,14537029734287,972
Socios individual1,665550592812,303
Socios agrupados12,5559,4842,4672,9551,4653,83332,759
Total Socios14,22010,0342,5262,9831,4663,83335,062
2002Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Nivel acreditado
Contratado Individual373,319,496.11449,986,066.00111,256,678.00181,614,000.001,116,176,240.11
Contratado Agrupado616,424,330.702,046,898,756.041,195,323,229.941,775,149,339.00513,694,344.00783,000,000.006,930,489,999.68
Total989,743,826.812,496,884,822.041,306,579,907.941,956,763,339.00513,694,344.00783,000,000.008,046,666,239.79
Crditos Individual2,51134717112,886
Crditos Agrupados3,2031,34321097784,868
Total crditos5,7141,690227108787,754
Socios Individual9553150.0163
Socios Agrupados153356541390.00.0702
Total Socios248409691390.00.0865
2001Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Nivel acreditado
Contratado Individual407,144,271.70425,649,097.00129,476,133.00192,613,146.0079,068,000.001,233,950,647.70
Contratado Agrupado517,612,339.061,589,702,612.67821,391,790.001,305,034,326.53726,708,000.00325,000,000.005,285,449,068.26
Total924,756,610.762,015,351,709.67950,867,923.001,497,647,472.53805,776,000.00325,000,000.006,519,399,715.96
Crditos Individual2,523318211512,878
Crditos Agrupados2,6421,031144831023,912
Total crditos5,1651,349165981126,790
Socios Individual1316330.00.0197
Socios Agrupados13417183300.00.0418
Total Socios26523486300.00.0615
PD3
Nivel acreditadoTotal
Participacin en el monto total por rango (Nivel Individual)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
20032938101850100
20023340101600100
20013334101660100
Participacin en el monto total por rango (Nivel Agrupado)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
200371811271027100
20029201126925100
200110301625146100
Participacin en el monto total por rango
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
20039201126925100
200212311624610100
200114311523125100
PD3
Promedio Descontado por Crdito (Nivel Individual)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003460,4302,076,8877,433,72616,819,32158,000,0000.01,192,116
2002148,6741,296,7906,544,51016,510,3640.00.0386,755
2001161,3731,338,5196,165,53012,840,87679,068,0000.0428,753
Promedio Descontado por Crdito (Nivel Agrupado)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003436,2662,328,4787,186,34321,693,35966,746,742214,928,4773,748,208
2002192,4521,524,1245,692,01518,300,50973,384,90697,875,0001,423,683
2001195,9171,541,9045,704,11015,723,30572,670,800162,500,0001,351,086
Monto Promedio Descontado por Crdito (Total PD3)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003443,9022,272,9997,210,41321,250,26466,232,228214,928,4773,059,166
2002173,2141,477,4475,755,85918,118,17973,384,90697,875,0001,037,744
2001179,0431,493,9605,762,83615,282,11773,252,364162,500,000960,147
PD3
Monto promedio por socio (Individual)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003445,4981,786,1234,535,83316,218,631116,000,0000.01,112,400
20023,929,6798,490,3037,417,1120.00.00.06,847,707
20013,107,9726,756,33543,158,7110.00.00.06,263,709
Monto promedio por socio (Agrupado)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003121,168410,504972,9381,982,1341,457,9491,570,049666,254
20024,028,9175,749,71622,135,61512,770,8590.00.09,872,493
20013,862,7799,296,5079,896,28743,501,1440.00.012,644,615
PD3
Monto promedio por socio (Total PD3)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003159,143485,9061,056,1572,115,7661,536,0821,570,049695,558
2002173,2141,477,4475,755,85918,118,17973,384,90697,875,0001,037,744
2001179,0431,493,9605,762,83615,282,11773,252,364162,500,000960,147
Total Descontado
2003Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Descontado individual1,812,008,9971,212,307,059322,905,527538,683,169116,000,0004,001,904,751.80
Descontado agrupado4,303,584,8396,956,673,4344,534,043,2918,570,636,3242,266,410,4436,396,442,61633,027,790,945.85
Total6,115,593,835.548,168,980,492.224,856,948,817.609,109,319,493.552,382,410,443.126,396,442,615.6237,029,695,697.65
Crditos Individual8,773594453529,449
Crditos Agrupados11,9483,159624418343316,216
Total crditos20,7213,753669453363325,665
Socios Individual11,0656005928111,753
Socios Agrupados160,197209,86794,83573,5342,4403,833544,706
Total Socios171,262210,46794,89473,5622,4413,833556,459
2002Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Contratado Individual1,283,778,719.83480,439,592.00111,256,678.00181,614,000.002,057,088,989.83
Contratado Agrupado2,977,671,032.344,488,267,164.502,720,199,239.742,793,730,911.06620,984,344.00783,000,000.0014,383,852,691.64
Total4,261,449,752.174,968,706,756.502,831,455,917.742,975,344,911.06620,984,344.00783,000,000.0016,440,941,681.47
Crditos Individual27,432365171127,825
Crditos Agrupados16,3802,72843316012819,721
Total crditos43,8123,09345017112847,546
Socios Individual2,77870150.02,863
Socios Agrupados7,3993,6079004500.00.012,356
Total Socios10,1773,6779154500.00.015,219
2001Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Contratado Individual1,094,390,992.34432,273,977.00129,476,133.00192,613,146.0079,068,000.001,927,822,248.34
Contratado Agrupado1,449,777,352.162,674,659,346.931,192,264,590.001,698,655,233.34844,398,743.00325,000,000.008,184,755,265.43
Total2,544,168,344.503,106,933,323.931,321,740,723.001,891,268,379.34923,466,743.00325,000,000.0010,112,577,513.77
Crditos Individual32,8513232115133,211
Crditos Agrupados18,5821,63319910512220,533
Total crditos51,4331,95622012013253,744
Socios Individual3,3476630.00.03,416
Socios Agrupados12,7814,2507373489070.019,023
Total Socios16,1284,3167403489070.022,439
Total descontado
Participacin en el monto total por rango (Nivel Individual)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
20030.450.300.080.130.030.001.00
20020.620.230.050.090.000.001.00
20010.570.220.070.100.040.001.00
Participacin en el monto total por rango (Nivel Agrupado)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
20030.130.210.140.260.070.191.00
20020.170.220.130.250.060.171.00
20010.180.330.150.210.100.041.00
Participacin en el monto total por rango (Total)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
20030.170.220.130.250.060.171.00
20020.260.300.170.180.040.051.00
20010.250.310.130.190.090.031.00
Total descontado
Promedio Descontado por Crdito (Nivel Individual)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003206,5442,040,9217,175,67815,390,94858,000,0000.0423,5270.00.00.00.00.00.00.00.00.00.00.0
200246,7991,316,2736,544,51016,510,3640.00.073,930
200133,3141,338,3106,165,53012,840,87679,068,0000.058,048
Promedio Descontado por Crdito (Nivel Agrupado)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003360,1932,202,1767,266,09520,503,91566,659,131193,831,5942,036,741
2002181,7871,645,2596,282,21517,460,81851,748,69597,875,000729,367
200178,0211,637,8815,991,27916,177,66970,366,562162,500,000398,615
Promedio Descontado por Crdito (Total)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003295,1402,176,6537,260,01320,108,87366,178,068193,831,5941,442,809
200297,2671,606,4366,292,12417,399,67851,748,69597,875,000345,790
200149,4661,588,4126,007,91215,760,57071,035,903162,500,000188,162
Monto promedio por socio (Individual)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003163,7602,020,5125,472,97519,238,685116,000,0000.0340,501
2002462,1236,863,4237,417,1120.00.00.0718,508
2001326,9776,549,60643,158,7110.00.00.0564,351
Monto promedio por socio (Agrupado)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
200326,86433,14847,810116,553928,8571,668,78260,634
2002402,4421,244,3213,022,4446,208,2910.00.01,164,119
2001113,432629,3321,617,7274,881,193930,9800.0430,256
Monto promedio por socio (Total)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
200335,70938,81451,183123,832975,9981,668,78266,545
2002418,7331,351,2943,094,4876,611,8780.00.01,080,291
2001157,749719,8641,786,1365,434,6791,018,1550.0450,670
Grfico1
862.642
1189.519
1568.113
2219.87
2668.9
2677.8
Descuentos otorgados por la Banca Comercial a productores PD2(Millones de pesos de 2003)
Contr.2003Prel.
PD3
2003Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Contratado Avo409,881,244.281,381,080,619.13865,601,458.131,977,824,476.18832,015,142.04873,631,440.186,340,034,379.941,900,193,359.32,903,677,445.81,875,840,176.33,262,108,168.8912,015,142.0873,631,440.211,727,465,732.5
Contratado Refaccionario286,306,078.76597,009,306.96348,961,577.711,152,132,871.89302,500,000.001,739,384,000.004,426,293,835.33640,969,801.5784,219,888.6510,028,513.71,583,270,695.9302,500,000.01,739,384,000.05,560,372,899.7
Total696,187,323.041,978,089,926.091,214,563,035.843,129,957,348.071,134,515,142.042,613,015,440.1810,766,328,215.262,541,163,160.893,687,897,334.392,385,868,690.014,845,378,864.701,214,515,142.042,613,015,440.1817,287,838,632.2
Crditos Avo2,3419081541051283,52812,9311,74330718113815,183
Crditos Refacc.1,0913125356571,5243,1404177394573,736
Total3,4321,22020716117155,05216,0712,160380275181518,919
Socios Avo14,0548,3552,2331,8251,2583,00930,734240,050142,701109,22558,1282,2333,009555,346
Socios Refacc.2,1612,2264411,281217886,91817,49121,13910,34311,4992178861,281
Total16,21510,5812,6743,1061,2793,79737,652257,541163,840119,56869,6272,2543,797616,627
rama
Contratado Agricultura410,561,009.871,002,813,228.47654,972,126.141,758,688,572.15320,187,847.861,759,309,850.945,906,532,635.441,594,175,129.292,322,568,666.691,249,811,225.262,949,303,925.15320,187,847.861,759,309,850.9410,195,356,645.20
Contratado Ganadera159,815,731.24596,932,835.41280,450,547.571,019,003,192.02814,327,294.18853,705,589.243,724,235,189.65513,215,067.93759,455,035.75372,260,286.621,183,862,556.02894,327,294.18853,705,589.244,576,825,829.74
Contratado Forestal26,264,623.5425,258,910.0020,000,000.0042,600,000.76114,123,534.3055,703,245.5441,867,010.0026,000,000.0062,600,000.76186,170,256.30
Contratado Pesca22,330,452.43169,704,012.51135,121,275.13287,423,103.14614,578,843.2238,627,534.45197,982,512.62151,921,275.13343,895,302.77732,426,624.98
Contratado Otros Sectores77,215,505.95183,380,939.70124,019,087.0022,242,480.00406,858,012.66339,442,183.67366,024,109.32585,875,903.00305,717,080.001,597,059,276.00
Total696,187,323.041,978,089,926.091,214,563,035.843,129,957,348.071,134,515,142.042,613,015,440.1810,766,328,215.262,541,163,160.893,687,897,334.392,385,868,690.014,845,378,864.701,214,515,142.042,613,015,440.1817,287,838,632.22
Creditos Agricultura1,826626114935102,67410,6451,33321215951012,364
Creditos Ganadera1,02539151491251,5333,27250567641353,926
Creditos Forestal15014221682752143303
Creditos Pesca79652115180142772318260
Creditos Otros Sectores3521241924971,73722474312,066
Total3,4321,22020716117155,05216,0712,160380275181518,919
Socios Agricultura11,2105,5149741,9161,0143,00623,634124,917108,06361,96159,1471,0143,006358,108
Socios Ganadera3,7114,1221,29865626579110,84323,03627,43311,3855,2711,24079169,156
Socios Forestal273112104649590,70712,7104411,919105,777
Socios Pesca1982921725281,1907461,1902278883,051
Socios Otros Sectores8235411260.01,49018,13514,44445,5542,40280,535
Total16,21510,5812,6743,1061,2793,79737,652257,541163,840119,56869,6272,2543,797616,627
actividad
Contratado Primaria422,562,516.671,014,344,100.74495,902,026.141,019,746,653.73210,600,002.29225,000,000.003,388,155,299.571,891,146,755.502,335,478,178.881,091,196,996.862,099,699,188.36290,600,002.29225,000,000.007,933,121,121.89
Contratado Industrial143,236,724.29485,269,992.69280,700,365.331,052,005,415.62428,277,743.661,773,502,003.854,162,992,245.44255,376,497.86685,634,193.22425,805,486.811,585,709,797.62428,277,743.661,773,502,003.855,154,305,723.03
Contratado Comercial32,997,050.02249,207,153.26304,812,557.38825,109,298.54384,964,204.98614,513,436.332,411,603,700.52180,601,799.36283,598,213.26334,701,817.38885,609,298.54384,964,204.98614,513,436.332,683,988,769.86
Contratado Servicios97,391,032.04229,268,679.40133,148,087.00233,095,980.17110,673,191.11803,576,969.73214,038,108.16383,186,749.02534,164,388.96274,360,580.17110,673,191.111,516,423,017.43
Total696,187,323.041,978,089,926.091,214,563,035.843,129,957,348.071,134,515,142.042,613,015,440.1810,766,328,215.262,541,163,160.893,687,897,334.392,385,868,690.014,845,378,864.701,214,515,142.042,613,015,440.1817,287,838,632.22
Creditos Primaria2,23661484574212,9881,3151811255214,616
Creditos Industrial7063044549681,2754406589681,883
Creditos Comercial871605744558201836246551,121
Creditos Servicios40314221112988222721521,299
Total3,4321,22020716117150.016,0712,160380275181518,919
Socios Primaria5,9843,9811,0151,1412500.0102,60192,43756,88054,3171,2250.0307,460
Socios Industrial8,9864,8631,2041,63015790137,92456,83420,95112,56515790229,079
Socios Comercial2796602091581,0093,0079,7742,0991,6011661,0093,00717,656
Socios Servicios9661,07724617757,24212,47040,1362,579562,432
Total16,21510,5812,6743,1061,2793,7970.0257,541163,840119,56869,6272,2543,797616,627
Nivel acreditado
Contratado Individual169,976,452.81405,428,243.08117,075,290.11235,677,880.4758,000,000.00986,157,866.47611,880,170.47470,861,276.08127,025,290.11319,727,880.4758,000,000.001,587,494,617.13
Contratado Agrupado526,210,870.231,572,661,683.011,097,487,745.732,894,279,467.601,076,515,142.042,613,015,440.189,780,170,348.791,929,282,990.423,217,036,058.302,258,843,399.904,525,650,984.231,156,515,142.042,613,015,440.1815,700,344,015.09
Total696,187,323.041,978,089,926.091,214,563,035.843,129,957,348.071,134,515,142.042,613,015,440.1810,766,328,215.262,541,163,160.893,687,897,334.392,385,868,690.014,845,378,864.701,214,515,142.042,613,015,440.1817,287,838,632.22
Crditos Individual1,094247201421,3777,535278212227,858
Crditos Agrupados2,33897318714715153,6758,5361,882359253161511,061
Total crditos3,4321,22020716117155,05216,0712,160380275181518,919
Socios Individual2,57180015523163,56513,298884155231614,376
Socios Agrupados13,6449,7812,5193,0831,2633,79734,087244,243162,956119,41369,6042,2383,797602,251
Total Socios16,21510,5812,6743,1061,2793,79737,652257,541163,840119,56869,6272,2543,797616,627
Desc.2003
DESCONTADO 2003
Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Desc. Avo1,504,298,4413,620,511,8081,901,191,6193,998,645,6991,554,395,8522,702,275,13815,281,318,5564,500,650,7476,475,980,6133,834,017,0796,308,789,1301,684,910,5553,080,720,40825,885,068,532
Desc. Refaccionario758,715,3981,255,071,323766,661,1252,312,682,851697,499,8883,315,722,2089,106,352,7921,614,943,0891,692,999,8791,022,931,7382,800,530,364697,499,8883,315,722,20811,144,627,166
Total2,263,013,8384,875,583,1312,667,852,7436,311,328,5502,251,895,7406,017,997,34624,387,671,34937,029,695,698
Crditos avo3,2981,60727019825195,41715,9722,985534315272419,857
Crditos Refacc.1,80053810099992,5554,749768135138995,808
Total5,0982,14537029734287,97225,665
Socios avo12,6108,7542,2941,8951,4473,04930,049161,143196,03990,09463,6802,4223,049516,427
Socios refacc.1,6101,2802321,088197845,01310,11914,4284,8009,8821978440,032
Total14,22010,0342,5262,9831,4663,83335,062556,459
Beneficiarios avo33,77120,32559,18022,5281,5213,345140,670262,101370,242309,229124,9762,6128,4551,077,615
Beneficiarios refacc.3,6374,1121,2662,071353,37014,49126,09525,27810,27515,004353,37080,057
Total37,40824,43760,44624,5991,5566,715155,1611,157,672
rama
descontado agricultura1,286,468,1502,579,484,1321,415,005,1223,432,123,911818,708,7883,150,906,06612,682,696,1693,869,625,7495,038,304,8112,602,864,7075,021,907,360869,223,4913,529,351,336
descontado ganadera626,512,1111,501,795,066802,538,6692,039,554,8471,290,351,9522,867,091,2809,127,843,9241,309,012,1231,889,651,434969,881,1682,780,916,4161,370,351,9522,867,091,280
descontado forestal85,146,24447,814,64039,998,00095,640,332268,599,215149,314,33689,827,06576,095,666155,640,332
descontado pesca44,796,638311,630,429225,815,719721,364,98860,000,0001,363,607,77473,408,586369,615,355260,189,046812,524,29960,000,000
descontado otros sectores220,090,696434,858,864184,495,23422,644,47382,835,000944,924,266714,233,043781,581,826947,918,230338,331,08782,835,000
Total2,263,013,8384,875,583,1312,667,852,7436,311,328,5502,251,895,7406,017,997,34624,387,671,349
Crditos Agricultura2,9301,18619715412164,49513,3132,3463722471321
Crditos Ganadera1,3896351089920122,2634,2838681321232112
Crditos Forestal20322432323444896
Crditos Pesca941153639128517913741451
Crditos Otros sectores48218725216972,602354115321
Total5,0982,14537029734287,972
Socios Agricultura10,2605,5441,0531,8311,0453,00622,739112,77096,82042,03163,7851,0453,006
Socios Ganadera2,7613,6771,1066544108279,43514,34022,12211,7124,6041,385827
Socios Forestal26550104642526,18376,9433051,919
Socios Pesca1612961784921,1276591,194233852
Socios Otros Sectores77346785111,33617,31013,38840,6132,40211
Total14,22010,0342,5262,9831,4663,83335,062
Actividad
descontado primaria1,432,607,9532,512,173,3471,191,310,3932,317,024,706268,594,000661,338,2088,383,048,6074,531,626,4434,995,804,6242,436,217,6854,246,824,087399,108,7031,039,783,477
descontado industrial487,967,2131,243,680,939525,704,7932,213,787,0241,250,620,1404,629,913,33810,351,673,448731,195,3461,699,694,178702,806,7852,923,004,7071,250,620,1404,629,913,338
descontado comercial82,731,936619,835,039701,039,3871,361,443,263384,985,640614,565,8003,764,601,064355,584,446702,103,436790,668,1331,468,690,529384,985,640614,565,800
descontado servicios259,706,737499,893,806249,798,170419,073,557347,695,960112,180,0001,888,348,230497,187,600771,378,254927,256,214470,800,171347,695,960112,180,000
Total2,263,013,8384,875,583,1312,667,852,7436,311,328,5502,251,895,7406,017,997,34624,387,671,349
crditos primaria3,4911,162170119424,94816,3842,37435121867
crditos industrial941497719020201,6391,648720951372020
crditos comercial1472749868555971,3543211127355
crditos servicios5192123120517881,3353381112551
Total5,0982,14537029734287,972
Socios primaria4,2673,5291,0261,04623510,10382,25876,22241,20250,8361,210
Socios industrial8,7904,8041,0851,64720482617,35672,788120,62111,99520,026204826
Socios comercial2616202221631,0093,0075,2829,7132,0481,6141711,0093,007
Socios servicios9021,081193127182,3216,50311,57640,0832,52918
Total14,22010,0342,5262,9831,4663,83335,062
Nivel acreditado
descontado individual741,753,394982,367,615267,614,126454,121,667116,000,0002,561,856,8031,812,008,9971,212,307,059322,905,527538,683,169116,000,000
descontado agrupado1,521,260,4443,893,215,5152,400,238,6175,857,206,8832,135,895,7406,017,997,34621,825,814,5464,303,584,8396,956,673,4344,534,043,2918,570,636,3242,266,410,4436,396,442,616
Total2,263,013,8384,875,583,1312,667,852,7436,311,328,5502,251,895,7406,017,997,34624,387,671,349
Crditos individual1,611473362722,1498,77359445352
Crditos agrupados3,4871,67233427032285,82311,9483,1596244183433
Total5,0982,14537029734287,972
Socios individual1,665550592812,30311,06560059281
Socios agrupados12,5559,4842,4672,9551,4653,83332,759160,197209,86794,83573,5342,4403,833
Total14,22010,0342,5262,9831,4663,83335,062
grficos
41,530.00124,590.00
grficos
9.2793354729
19.9919994863
10.939350073
25.8791766529
9.2337464607
24.6763918541
2003
%
Participacin porcentual del monto total descontado en PD3
Clculos
28.9537414166
38.3459221538
10.4461001135
17.7262705107
4.5279658053
0
2003
%
Participacin en el monto descontado en PD3 Individuales
Grfico BC
6.9700053628
17.837664236
10.9972464581
26.8361433686
9.786098638
26.5728419364
2003
%
Participacin en el monto descontado en PD3 Agrupados
BC
14220
10034
2526
2983
1466
3833
Nmero de Socios PD3 por Rangos
Nmero de productores beneficiados PD3
Montos-Pd3
2263.01383846
4875.58313075
2667.85274349
6311.32854985
2251.89574001
6017.99734608
Monto Contratado en PD3 por Rangos
Monto Descontado en PD3 (Millones de pesos)
Montos-Total
14220
10034
2526
2983
1466
3833
Total socios
Nmero de Socios PD3
Nivel Agrup. Pd3
2263.01383846
4875.58313075
2667.85274349
6311.32854985
2251.89574001
6017.99734608
Total
Monto Descontado en PD3
NIvel Agrup. Total
5098
2145
370
297
34
28
Nmero de Crditos PD3 por Rangos
Nmero de Crditos Otorgados a PD3
5098
2145
370
297
34
28
Total crditos
Nmero de Crditos Otorgados a PD3
64.0%
159143.0266146273
485906.2318865859
1056157.0639311166
2115765.5212370097
1536081.6780422921
1570048.877140621
Nmero de Socios PD3 por Rangos
Monto promedio por beneficiario en PD3(Pesos)
PD1+PD2
2003
junioDiciembreJulio - diciembreIncremento segundo semestre
B.C.4,782,87010,799,9756,017,1051,286,801
Banrural1,775,8691,842,05066,181
12,642,025
2002factorreal 2002
B.C.4,071,2598,620,6554,549,3960.96175557964,730,304
Banrural2,333,8154,716,0712,382,2562,476,987
13,336,726
Banca comercialrealVariacin $Variacin %
Estrato2002200220032003/20032003/2003
PD16,051,7786,292,4288,119,9101,827,48229.0
PD22,568,7772,670,9252,680,0659,1400.3
Total8,620,5558,963,35310,799,9751,836,62220.5
BanruralrealVariacin $Variacin %
Estrato2002200220032003/20032003/2003
pd13,555,3553,696,7341,367,315(2,329,419.5)(63.0)
pd21,160,7161,206,872474,735(732,137.1)(60.7)
Total4,716,0714,903,6071,842,050(3,061,556.6)(62.4)
Total-Total13,336,62613,866,96012,642,025(1,224,934.8)(8.8)
Descuentos otorgados por la Banca Comercial a productores PD1
19953,512.0Descuentos Banca Comercial a PD2
19963,412.8
19974,039.41998863
19984,871.419991,190
19995,163.520001,568
20006,814.620012,220
20016,524.020022,669
20026,293.520032,678
20038,120.725.4
TMAC10.8TMAC
0
0
0
0
0
0
Descuentos otorgados por la Banca Comercial a productores PD1
Descuentos otorgados por la Banca Comercial a productores PD1(Millones de pesos de 2003)
0
0
0
0
0
0
Descuentos otorgados por la Banca Comercial a productores PD2(Millones de pesos de 2003)
Descuentos otorgados por la Banca Comercial a productores de bajos ingresos
(Millones de pesos de 2003)
Estrato20022003Variacin $Variacin %
2003/20032003/2002
PD16,292,4288,119,9101,827,48229.0
PD22,670,9252,680,0659,1400.3
Total8,963,35310,799,9751,836,62220.5
PD3
2003Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Desc. Avo1,504,298,4413,620,511,8081,901,191,6193,998,645,6991,554,395,8522,702,275,13815,281,318,556
Desc. Refaccionario758,715,3981,255,071,323766,661,1252,312,682,851697,499,8883,315,722,2089,106,352,792
Total2,263,013,8384,875,583,1312,667,852,7436,311,328,5502,251,895,7406,017,997,34624,387,671,349
1,000,0002,2634,8762,6686,3112,2526,01824,388
Crditos avo3,2981,60727019825195,417
Crditos Refacc.1,80053810099992,555
Total crditos5,0982,14537029734287,972
Socios avo12,6108,7542,2941,8951,4473,04930,049
Socios refacc.1,6101,2802321,088197845,01376.38
Total socios14,22010,0342,5262,9831,4663,83335,062
PD3
2002Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Contratado Avo582,078,039.691,738,721,348.26837,229,287.00941,182,307.00150,000,000.004,249,210,981.95
Contratado Refaccionario407,665,787.12758,163,473.78469,350,620.941,015,581,032.00513,694,344.00633,000,000.003,797,455,257.84
Total989,743,826.812,496,884,822.041,306,579,907.941,956,763,339.00513,694,344.00783,000,000.008,046,666,239.79
4,793,208,556.7959.57
Crditos Avo4,0301,2611575845,510
Crditos Refacc.1,6844297050742,244
Total5,7141,690227108787,754
Socios Avo248321691390.0777
Socios Refacc.0.0880.00.00.00.088
Total248409691390.00.0865
PD3
2001Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Contratado Avo572,287,346.011,440,043,411.00692,173,973.00961,950,072.5360,273,000.00150,000,000.003,876,727,802.54
Contratado Refaccionario352,469,264.75575,308,298.67258,693,950.00535,697,400.00745,503,000.00175,000,000.002,642,671,913.42
Total924,756,610.762,015,351,709.67950,867,923.001,497,647,472.53805,776,000.00325,000,000.006,519,399,715.96
Crditos Avo3,7341,00912270114,937
Crditos Refacc.1,43134043281011,853
Total5,1651,349165981126,790
Socios Avo26521786300.00.0598
Socios Refacc.0.0170.00.00.00.017
Total26523486300.00.0615
PD3
Participacin en el monto total por rango
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003920112692510099
20021441202204100
200114311523125100
Promedio Descontado por Crdito
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003443,902.282,272,999.137,210,412.8221,250,264.4866,232,227.65214,928,476.653,059,166.00
2002173,213.831,477,446.645,755,858.6318,118,179.0673,384,906.2997,875,000.001,037,743.91
2001179,042.911,493,959.765,762,835.9015,282,117.0773,252,363.64162,500,000.00960,147.23
Monto promedio por socio
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003159,143485,9061,056,1572,115,7661,536,0821,570,049695,558
20023,990,9036,104,85318,935,94114,077,4340.00.09,302,504
20013,489,6488,612,61411,056,60449,921,5820.00.010,600,650
0.1591430266
maria_macias:Las cifras en rojo no se incluyeron en el anlisis y corresponden al monto contratado, no al descontado.
Total Contratado
2003Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Desc. Avo4,500,650,7476,475,980,6133,834,017,0796,308,789,1301,684,910,5553,080,720,40825,885,068,532
Desc. Refaccionario1,614,943,0891,692,999,8791,022,931,7382,800,530,364697,499,8883,315,722,20811,144,627,166
Total6,115,593,8368,168,980,4924,856,948,8189,109,319,4942,382,410,4436,396,442,61637,029,695,698
Crditos Avo15,9722,985534315272419,857
Crditos Refacc.4,749768135138995,808
Total20,7213,753669453363325,665
Socios Avo161,143196,03990,09463,6802,4223,049516,427
Socios Refacc.10,11914,4284,8009,8821978440,032
Total171,262210,46794,89473,5622,4413,833556,459
2002Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Contratado Avo3,130,318,354.83,932,377,623.02,198,658,341.91,731,967,891.1107,290,000.0150,000,000.011,250,612,210.7
Contratado Refaccionario1,131,131,397.41,036,329,133.5632,797,575.81,243,377,020.0513,694,344.0633,000,000.05,190,329,470.8
Total4,261,449,752.174,968,706,756.502,831,455,917.742,975,344,911.06620,984,344.00783,000,000.0016,440,941,681.47
Crditos Avo36,1142,5033581105439,094
Crditos Refacc.7,6985909261748,452
Total43,8123,09345017112847,546
Socios Avo9,6023,5769154500.00.014,543
Socios Refacc.5751010.00.00.00.0676
Total10,1773,6779154500.00.015,219
2001Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Contratado Avo1,718,367,912.72,344,575,650.1993,249,950.01,257,251,685.5177,963,743.0150,000,000.06,641,408,941.3
Contratado Refaccionario825,800,431.8762,357,673.9328,490,773.0634,016,693.8745,503,000.0175,000,000.03,471,168,572.4
Total2,544,168,344.503,106,933,323.931,321,740,723.001,891,268,379.34923,466,743.00325,000,000.0010,112,577,513.77
Crditos Avo42,7351,495166873144,487
Crditos Refacc.8,69846154331019,257
Total51,4331,95622012013253,744
Socios Avo16,0574,0337403489070.022,085
Socios Refacc.712830.00.00.00.0354
Total16,1284,3167403489070.022,439
Total Contratado
Participacin en el monto total por rango
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
20030.170.220.130.250.060.171.00
20020.260.300.170.180.040.051.00
20010.250.310.130.190.090.031.00
Monto Promedio Contratado por Crdito
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003295,1402,176,6537,260,01320,108,87366,178,068193,831,5941,442,809
200297,2671,606,4366,292,12417,399,67851,748,69597,875,000345,790
200149,4661,588,4126,007,91215,760,57071,035,903162,500,000188,162
Monto promedio por socio
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
200335,70938,81451,183123,832975,9981,668,78266,545
2002418,7331,351,2943,094,4876,611,8780.00.01,080,291
200149,4661,588,4126,007,91215,760,57071,035,903162,500,000188,162
PD3
2003Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Nivel acreditado
descontado individual741,753,394982,367,615267,614,126454,121,667116,000,0002,561,856,80310.5
descontado agrupado1,521,260,4443,893,215,5152,400,238,6175,857,206,8832,135,895,7406,017,997,34621,825,814,54689.5
Total2,263,013,838.464,875,583,130.752,667,852,743.496,311,328,549.852,251,895,740.016,017,997,346.0824,387,671,348.64
Crditos individual1,611473362722,149
Crditos agrupados3,4871,67233427032285,823
Total crditos5,0982,14537029734287,972
Socios individual1,665550592812,303
Socios agrupados12,5559,4842,4672,9551,4653,83332,759
Total Socios14,22010,0342,5262,9831,4663,83335,062
2002Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Nivel acreditado
Contratado Individual373,319,496.11449,986,066.00111,256,678.00181,614,000.001,116,176,240.11
Contratado Agrupado616,424,330.702,046,898,756.041,195,323,229.941,775,149,339.00513,694,344.00783,000,000.006,930,489,999.68
Total989,743,826.812,496,884,822.041,306,579,907.941,956,763,339.00513,694,344.00783,000,000.008,046,666,239.79
Crditos Individual2,51134717112,886
Crditos Agrupados3,2031,34321097784,868
Total crditos5,7141,690227108787,754
Socios Individual9553150.0163
Socios Agrupados153356541390.00.0702
Total Socios248409691390.00.0865
2001Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Nivel acreditado
Contratado Individual407,144,271.70425,649,097.00129,476,133.00192,613,146.0079,068,000.001,233,950,647.70
Contratado Agrupado517,612,339.061,589,702,612.67821,391,790.001,305,034,326.53726,708,000.00325,000,000.005,285,449,068.26
Total924,756,610.762,015,351,709.67950,867,923.001,497,647,472.53805,776,000.00325,000,000.006,519,399,715.96
Crditos Individual2,523318211512,878
Crditos Agrupados2,6421,031144831023,912
Total crditos5,1651,349165981126,790
Socios Individual1316330.00.0197
Socios Agrupados13417183300.00.0418
Total Socios26523486300.00.0615
PD3
Nivel acreditadoTotal
Participacin en el monto total por rango (Nivel Individual)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
200329.038.310.417.74.50100
20023340101600100
20013334101660100
Participacin en el monto total por rango (Nivel Agrupado)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
20037.017.811.026.81027100
20029201126925100
200110301625146100
Participacin en el monto total por rango
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
20039201126925100
200212311624610100
200114311523125100
PD3
Promedio Descontado por Crdito (Nivel Individual)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003460,4302,076,8877,433,72616,819,32158,000,0000.01,192,116
2002148,6741,296,7906,544,51016,510,3640.00.0386,755
2001161,3731,338,5196,165,53012,840,87679,068,0000.0428,753
Promedio Descontado por Crdito (Nivel Agrupado)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003436,2662,328,4787,186,34321,693,35966,746,742214,928,4773,748,208
2002192,4521,524,1245,692,01518,300,50973,384,90697,875,0001,423,683
2001195,9171,541,9045,704,11015,723,30572,670,800162,500,0001,351,086
Monto Promedio Descontado por Crdito (Total PD3)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003443,9022,272,9997,210,41321,250,26466,232,228214,928,4773,059,166
2002173,2141,477,4475,755,85918,118,17973,384,90697,875,0001,037,744
2001179,0431,493,9605,762,83615,282,11773,252,364162,500,000960,147
PD3
Monto promedio por socio (Individual)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003445,4981,786,1234,535,83316,218,631116,000,0000.01,112,400
20023,929,6798,490,3037,417,1120.00.00.06,847,707
20013,107,9726,756,33543,158,7110.00.00.06,263,709
Monto promedio por socio (Agrupado)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003121,168410,504972,9381,982,1341,457,9491,570,049666,254
20024,028,9175,749,71622,135,61512,770,8590.00.09,872,493
20013,862,7799,296,5079,896,28743,501,1440.00.012,644,615
PD3
Monto promedio por socio (Total PD3)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003159,143485,9061,056,1572,115,7661,536,0821,570,049695,558
2002173,2141,477,4475,755,85918,118,17973,384,90697,875,0001,037,744
2001179,0431,493,9605,762,83615,282,11773,252,364162,500,000960,147
Total Descontado
2003Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Descontado individual1,812,008,9971,212,307,059322,905,527538,683,169116,000,0004,001,904,751.80
Descontado agrupado4,303,584,8396,956,673,4344,534,043,2918,570,636,3242,266,410,4436,396,442,61633,027,790,945.85
Total6,115,593,835.548,168,980,492.224,856,948,817.609,109,319,493.552,382,410,443.126,396,442,615.6237,029,695,697.65
Crditos Individual8,773594453529,449
Crditos Agrupados11,9483,159624418343316,216
Total crditos20,7213,753669453363325,665
Socios Individual11,0656005928111,753
Socios Agrupados160,197209,86794,83573,5342,4403,833544,706
Total Socios171,262210,46794,89473,5622,4413,833556,459
2002Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Contratado Individual1,283,778,719.83480,439,592.00111,256,678.00181,614,000.002,057,088,989.83
Contratado Agrupado2,977,671,032.344,488,267,164.502,720,199,239.742,793,730,911.06620,984,344.00783,000,000.0014,383,852,691.64
Total4,261,449,752.174,968,706,756.502,831,455,917.742,975,344,911.06620,984,344.00783,000,000.0016,440,941,681.47
Crditos Individual27,432365171127,825
Crditos Agrupados16,3802,72843316012819,721
Total crditos43,8123,09345017112847,546
Socios Individual2,77870150.02,863
Socios Agrupados7,3993,6079004500.00.012,356
Total Socios10,1773,6779154500.00.015,219
2001Hasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
Contratado Individual1,094,390,992.34432,273,977.00129,476,133.00192,613,146.0079,068,000.001,927,822,248.34
Contratado Agrupado1,449,777,352.162,674,659,346.931,192,264,590.001,698,655,233.34844,398,743.00325,000,000.008,184,755,265.43
Total2,544,168,344.503,106,933,323.931,321,740,723.001,891,268,379.34923,466,743.00325,000,000.0010,112,577,513.77
Crditos Individual32,8513232115133,211
Crditos Agrupados18,5821,63319910512220,533
Total crditos51,4331,95622012013253,744
Socios Individual3,3476630.00.03,416
Socios Agrupados12,7814,2507373489070.019,023
Total Socios16,1284,3167403489070.022,439
Total descontado
Participacin en el monto total por rango (Nivel Individual)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
20030.450.300.080.130.030.001.00
20020.620.230.050.090.000.001.00
20010.570.220.070.100.040.001.00
Participacin en el monto total por rango (Nivel Agrupado)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
20030.130.210.140.260.070.191.00
20020.170.220.130.250.060.171.00
20010.180.330.150.210.100.041.00
Participacin en el monto total por rango (Total)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
20030.170.220.130.250.060.171.00
20020.260.300.170.180.040.051.00
20010.250.310.130.190.090.031.00
Total descontado
Promedio Descontado por Crdito (Nivel Individual)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003206,5442,040,9217,175,67815,390,94858,000,0000.0423,5270.00.00.00.00.00.00.00.00.00.00.0
200246,7991,316,2736,544,51016,510,3640.00.073,930
200133,3141,338,3106,165,53012,840,87679,068,0000.058,048
Promedio Descontado por Crdito (Nivel Agrupado)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003360,1932,202,1767,266,09520,503,91566,659,131193,831,5942,036,741
2002181,7871,645,2596,282,21517,460,81851,748,69597,875,000729,367
200178,0211,637,8815,991,27916,177,66970,366,562162,500,000398,615
Promedio Descontado por Crdito (Total)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003295,1402,176,6537,260,01320,108,87366,178,068193,831,5941,442,809
200297,2671,606,4366,292,12417,399,67851,748,69597,875,000345,790
200149,4661,588,4126,007,91215,760,57071,035,903162,500,000188,162
Monto promedio por socio (Individual)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
2003163,7602,020,5125,472,97519,238,685116,000,0000.0340,501
2002462,1236,863,4237,417,1120.00.00.0718,508
2001326,9776,549,60643,158,7110.00.00.0564,351
Monto promedio por socio (Agrupado)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
200326,86433,14847,810116,553928,8571,668,78260,634
2002402,4421,244,3213,022,4446,208,2910.00.01,164,119
2001113,432629,3321,617,7274,881,193930,9800.0430,256
Monto promedio por socio (Total)
AoHasta 1 milln+1 milln - Hasta 5 millones+ 5 millones - Hasta 10 millones+10 millones- Hasta 50 millones+ 50 millones - Hasta 100 millones+ De 100 millonesTotal
200335,70938,81451,183123,832975,9981,668,78266,545
2002418,7331,351,2943,094,4876,611,8780.00.01,080,291
2001157,749719,8641,786,1365,434,6791,018,1550.0450,670
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La intervencin de FIRA en el fortalecimiento de capacidades de acceso al crdito ha sido relevanteLa evaluacin de los programas que canalizan subsidios de FIRA realizada por una consultora independiente (GEA) muestra impactos positivos.Impactos econmicos y sociales%* Periodo enero-diciembre 2003
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Contenido
Evolucin del comercio exterior de MxicoNuevo Modelo de Negocio de FIRAResultados alcanzadosComentarios finales
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En 2004 la Harvard Business School elabor un caso del modelo de negocio de FIRA *Organizacin innovadoraModelo de Negocios y Balance SlidosAmplio Reconocimiento de Marca en los Mercados LocalesFIRA es considerada como organizacin formidable por la Harvard Business School* Este caso es usado en la mejor escuela de negocios en Latinoamrica de acuerdo al Financial Times
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Sensibilidad para entender...
Flexibilidad para atender...
El intercambio comercial agropecuario entre Mxico y la Unin Europea ha mostrado un fuerte crecimiento en los ltimos aos, pasando de un monto de $ 646 millones de dlares en 1995 a $ 950 millones de dlares en 1998, y el dficit de la balanza comercial agropecuaria se ha ido reduciendo en los ltimos aos, hasta registrar un supervit por 93 millones dlares en 1998.
Durante el periodo 1993-1998, la exportacin de productos agropecuarios a la Unin Europea represent un monto promedio anual de 250 millones de dlares, con lo que Mxico se sita en la posicin nmero 33 como proveedor a dicho bloque comercial