Investor Presentaiton
NPLs & Allowance for Loan
Losses
NPL's by Product
BANCO COMPARTAMOS, S.A. I.B.M.
NON PERFORMING LOANS BY PRODUCT
1Q14
1Q13
4Q13
PRODUCT
TOTAL
PORTFOLIO
NPL
NPL RATIO WRITE-OFFS
TOTAL
PORTFOLIO
NPL
NPL RATIO
WRITE-OFFS
TOTAL
PORTFOLIO
NPL
NPL RATIO WRITE-OFFS
C. Mujer
9,496
168
C. Comerciante
3,267
113
1.77%
3.45%
100
72
10,114
297
2.93%
64
9,149
158
2,049
106
5.17%
23
2,784
108
1.72%
3.91%
226
107
Subtotal Grupal
12,763
281
2.20%
172
12,163
403
3.31%
87
11,933
266
2.23%
333
C. Individual
1,597
128
8.05%
92
1,615
63
3.92%
17
1,853
112
6.06%
145
C. Adicional
118
2
1.55%
2
162
7
4.49%
2
102
3
2.50%
4
C. Crece y Mejora
2,497
95
3.81%
81
2,437
114
4.67%
36
2,559
95
3.70%
141
Subtotal Individual
4,212
225
5.36%
175
4,214
184
4.38%
55
4,514
210
4.64%
290
TOTAL
16,975
506
2.98%
347
16,377
587
3.58%
142
16,447
476
2.89%
623
* Figures expressed in Mexican pesos (millions)
Allowance for Loan Losses
1Q14
1Q13
4Q13
Risk %Allowance Balance
Allowance %Allowance
Balance Allowance
%Allowance
A-1
0.5% 12,193
63
0.5% 11,204
52
A-2
2.3%
195
4
2.3%
514
12
B-1
3.6%
123
4
3.4%
74
B-2
4.5%
2,577
117
4.5%
53
B-3
5.5%
505
28
5.7%
183
10
22320
0.5%
2.2%
Balance
11,189
367
Allowance
55
8
3.4%
33
1
4.5%
19
1
5.7%
201
11
C-1
6.8%
475
32
6.7%
2,423
162
6.7%
3,139
210
C-2
10.0%
107
11
9.7%
1,029
99
9.4%
633
60
D
23.0%
118
27
24.9%
122
30
25.3%
159
40
E
70.3%
682
479
73.0%
776
567
69.4%
706
490
Total
16,975
766
16,377
938
16,447
877
Coverage Ratio¹
1.51
1.60
1.84
1Allowance for loan losses/Non-performing loans
33
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