Actualización comercial trimestral de diciembre de 2023
Prensa
Actualización comercial trimestral de diciembre de 2023 de ASA International Group plc
Ámsterdam, Países Bajos, 28 de febrero de 2024 - ASA International, ("ASA International", la "Compañía" o el "Grupo"), una de las instituciones microfinancieras internacionales más grandes del mundo, ofrece hoy la siguiente actualización on its business operations as of 31 December 2023.
· The Group's Gross OLP increased to USD 377 million (4% higher than in October 2023 and 3% higher than at 31 December 2022), primarily due to increased disbursements in the Philippines, Ghana and Tanzania.
· All operating subsidiaries, achieved collection efficiency of more than 90% with 12 countries achieving more than 95%.
· Collection efficiency in India improved to 97% in December 2023 compared to 95% in October 2023. The intentional decrease in our own portfolio in this region has slowed while the business continues to grow the off-book BC portfolio in India. This approach is designed to help the Group retain good clients.
· PAR>30 for the Group, including off-book loans and excluding loans overdue for more than 365 days, remained stable at 2.0% in December 2023 (October 2023: 2.0%).
· Excluding all loans which have been overdue for more than 180 days and, as a result, have been fully provided for, PAR>30 remained stable at 1.1% in December 2023 (October 2023: 1.2%).
· Disbursements as a percentage of collections exceeded 100% in eight countries. The drop in most countries for December was primarily due to operations closing between six and 12 days during the Christmas holidays.
Eficiencia recaudatoria hasta el 31 de diciembre de 2023(1)
(1) La eficiencia de cobranza se refiere a las cobranzas reales de los clientes divididas por las cobranzas realizables del período. Se calcula de la siguiente manera: la suma de los cobros regulares reales, los cobros vencidos reales y los anticipos reales dividido por la suma de los cobros regulares realizables, los cobros vencidos reales y pagos anticipados reales. Bajo esta definición, la eficiencia de recolección no puede exceder el 100%. |
· Collection efficiency remained stable at high levels in most of our operating countries during December 2023 compared to October 2023.
· Collection efficiency in India improved to 97% in December 2023 compared to 95% in October 2023, primarily as a result of the further growth of our BC portfolio.
· Although market conditions in both Myanmar y Nigeria remained challenging, collection efficiency remained stable.
Calidad de la cartera de crédito hasta diciembre de 2023 inclusive(2, 3, 4)
OLP bruto (en USDm) |
| Préstamos no vencidos |
| PAR> 30 menos PAR> 180 | |||||||
| 23 / oct | 23 / nov. | Dic / 23 |
| 23 / oct | 23 / nov. | Dic / 23 |
| 23 / oct | 23 / nov. | Dic / 23 |
Pakistán | 70 | 68 | 70 | 99.6% | 99.6% | 99.6% | 0.2% | 0.3% | 0.3% | ||
India (total) | 44 | 45 | 46 | 77.2% | 78.6% | 79.2% | 3.2% | 2.9% | 2.6% | ||
Sri Lanka | 4 | 4 | 4 | 88.7% | 89.1% | 92.5% | 2.7% | 2.8% | 3.1% | ||
Filipinas | 52 | 54 | 55 | 95.1% | 94.7% | 95.6% | 1.8% | 2.0% | 2.6% | ||
Myanmar | 21 | 21 | 22 | 92.6% | 92.8% | 92.6% | 0.0% | 0.1% | 0.1% | ||
Ghana | 46 | 50 | 52 | 99.4% | 99.5% | 99.2% | 0.1% | 0.1% | 0.1% | ||
Nigeria | 18 | 20 | 18 | 81.8% | 83.8% | 83.4% | 5.1% | 3.7% | 3.8% | ||
Sierra Leona | 5 | 5 | 5 | 88.5% | 88.1% | 93.5% | 1.6% | 1.4% | 1.8% | ||
Tanzania | 61 | 63 | 65 | 98.8% | 98.8% | 98.8% | 0.5% | 0.5% | 0.5% | ||
Kenia | 21 | 22 | 21 | 99.3% | 99.4% | 99.6% | 0.2% | 0.1% | 0.1% | ||
Uganda | 12 | 13 | 13 | 99.0% | 99.0% | 98.9% | 0.4% | 0.3% | 0.3% | ||
Ruanda | 4 | 4 | 4 | 91.5% | 91.3% | 91.3% | 3.4% | 3.4% | 3.5% | ||
Zambia | 3 | 3 | 3 | 94.4% | 94.8% | 96.2% | 1.1% | 1.0% | 1.0% | ||
Grupo procesos | 363 | 373 | 377 |
| 94.4% | 94.5% | 94.9% |
| 1.2% | 1.1% | 1.1% |
PAR> 30 |
| PAR> 90 |
| PAR> 180 | |||||||
| 23 / oct | 23 / nov. | Dic / 23 |
| 23 / oct | 23 / nov. | Dic / 23 |
| 23 / oct | 23 / nov. | Dic / 23 |
Pakistán | 0.3% | 0.3% | 0.3% | 0.1% | 0.2% | 0.2% | 0.0% | 0.0% | 0.0% | ||
India (total) | 3.9% | 3.4% | 3.1% | 2.0% | 1.8% | 1.6% | 0.7% | 0.6% | 0.6% | ||
Sri Lanka | 5.0% | 4.8% | 5.0% | 3.4% | 3.1% | 3.1% | 2.2% | 2.0% | 1.8% | ||
Filipinas | 3.0% | 3.3% | 3.8% | 1.9% | 2.1% | 2.5% | 1.2% | 1.2% | 1.2% | ||
Myanmar | 0.1% | 0.1% | 0.2% | 0.1% | 0.1% | 0.0% | 0.1% | 0.0% | 0.0% | ||
Ghana | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.0% | 0.0% | 0.1% | ||
Nigeria | 12.1% | 10.2% | 12.0% | 9.7% | 8.3% | 10.2% | 7.0% | 6.5% | 8.2% | ||
Sierra Leona | 4.9% | 4.2% | 4.6% | 4.3% | 3.6% | 3.7% | 3.4% | 2.8% | 2.7% | ||
Tanzania | 0.8% | 0.8% | 0.9% | 0.6% | 0.6% | 0.7% | 0.3% | 0.4% | 0.4% | ||
Kenia | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | ||
Uganda | 0.8% | 0.7% | 0.8% | 0.6% | 0.7% | 0.7% | 0.4% | 0.4% | 0.5% | ||
Ruanda | 6.8% | 6.8% | 6.8% | 5.4% | 5.1% | 5.0% | 3.4% | 3.4% | 3.3% | ||
Zambia | 3.3% | 2.8% | 2.6% | 2.8% | 2.3% | 2.2% | 2.2% | 1.8% | 1.7% | ||
Grupo procesos | 2.0% | 1.9% | 2.0% |
| 1.4% | 1.3% | 1.4% |
| 0.8% | 0.8% | 0.9% |
(3) PAR>x es el porcentaje de los créditos de clientes vigentes con al menos una cuota vencida x días, excluyendo los créditos con más de 365 días de vencidos, sobre la OLP bruta incluyendo los créditos fuera de libros. Los créditos vencidos a más de 365 días ahora comprenden el 2.5% de la LPO Bruta.
(4) La tabla "PAR> 30 menos PAR> 180" muestra el porcentaje de préstamos de clientes pendientes con un PAR superior a 30 días, menos los préstamos que se han provisto en su totalidad.
· Gross OLP in India further increased to USD 46 million (5% higher than in October 2023 and 2% higher than in December 2022).
· PAR>30 for the Group remained stable at 2.0% in December 2023.
· Credit exposures of the India off-book IDFC portfolio of USD 11.4 million and of the off-book Fincare portfolio of USD 1.5 million are capped at 5%. The included off-book Jana portfolio of USD 25.9 million has full credit exposure, and the included off-book DA portfolio of USD 1.0 million has no credit exposure.
Desembolsos vs cobranzas de préstamos hasta el 31 de diciembre de 2023(5)
(5) Desembolsos versus cobranzas se refiere a los desembolsos reales de préstamos realizados a los clientes divididos por los montos totales cobrados de los clientes en el período.
|
· Disbursements as a percentage of collections exceeded 100% in eight countries. The drop in most countries in December was primarily due to operations closing for between six and 12 days during the Christmas holidays.
· The improved percentage in India was due to additional growth of the BC portfolio following new BC partnership agreements.
Desarrollo de clientes y cartera de préstamos pendiente hasta el 31 de diciembre de 2023
Clientes (en miles) | Delta | OLP bruto (en USDm) | Delta |
| ||||||||
Países | Dic/ 22 | Nov/ 23 | Dic/ 23 | Dic/ 22-Dic/ 23 | Nov/ 23-Dic/ 23 | Dic/ 22 | Nov/ 23 | Dic/ 23 | Dic/ 22-Dic/ 23 XNUMX USD | Dic/ 22-Dic/23 CC (6) | Nov/ 23- | |
Pakistán | 606 | 612 | 616 | 2% | 1% | 80 | 68 | 70 | - 13% | 8% | 2% | |
India (total) | 284 | 181 | 183 | - 36% | 1% | 45 | 45 | 46 | 2% | 3% | 2% | |
Sri Lanka | 45 | 43 | 43 | - 4% | 0.1% | 4 | 4 | 4 | 5% | - 7% | 1% | |
Las Filipinas | 325 | 334 | 333 | 2% | - 0.3% | 50 | 54 | 55 | 11% | 10% | 2% | |
Myanmar | 99 | 110 | 111 | 12% | 1% | 17 | 21 | 22 | 27% | 27% | 3% | |
Ghana | 177 | 202 | 201 | 14% | - 0.4% | 41 | 50 | 52 | 27% | 49% | 5% | |
Nigeria | 220 | 186 | 184 | - 16% | - 1% | 39 | 20 | 18 | - 55% | - 10% | - 11% | |
Sierra Leona | 37 | 42 | 39 | 7% | - 6% | 5 | 5 | 5 | 6% | 29% | - 6% | |
Tanzania | 217 | 245 | 248 | 14% | 1% | 51 | 63 | 65 | 27% | 37% | 3% | |
Kenia | 141 | 207 | 205 | 45% | - 1% | 17 | 22 | 21 | 22% | 55% | - 7% | |
Uganda | 107 | 121 | 121 | 13% | - 0.05% | 12 | 13 | 13 | 12% | 14% | 0% | |
Ruanda | 21 | 20 | 21 | - 2% | 1% | 4 | 4 | 4 | - 5% | 12% | 2% | |
Zambia | 21 | 25 | 25 | 19% | 0.5% | 3 | 3 | 3 | 2% | 45% | - 5% | |
Total | 2,300 | 2,328 | 2,330 | 1% | 0.1% | 368 | 373 | 377 | 3% | 18.0% | 1.1% | |
(6) La moneda constante ('CC') implica la conversión de los resultados en moneda local a USD con el tipo de cambio del comienzo del período.
· The Group's Gross OLP increased to USD 377 million (4% higher than in October 2023 and 3% higher than in December 2022), primarily due to increased disbursements in the Philippines, Ghana, and Tanzania.
Key events in January 2024 and February 2024
· The Group reached a major milestone, by successfully migrating more than 600,000 clients in Pakistan from the incumbent loan management system to the new core banking system, Temenos Transact on 25 February 2024. This migration enables ASA Pakistan to start taking deposits and to grow their client base in a highly regulated environment.
· On 10 February 2024, the regime in Myanmar declared a law governing mandatory military service would be enforced for men aged 18 to 35 and women aged 18 to 27 for up to two years which would begin in April 2024. Given the demographic of our clients in this region, where approximately 24% of our clients fall into these age groups, this rule is expected to have an impact on the business in Myanmar. As at 31 December 2023, ASA Myanmar represented approximately 5.2% of the Group total OLP.
. . .
Consultas:
ASA Grupo Internacional plc
Relaciones con los inversores
Mischa Assink ir@asa-internacional.com
Acerca de ASA International Group plc
ASA International Group plc (ASAI: LN) es una de las instituciones internacionales de microfinanzas más grandes del mundo, con un fuerte compromiso con la inclusión financiera y el progreso socioeconómico. La compañía ofrece préstamos pequeños y socialmente responsables a empresarios de bajos ingresos y marginados financieramente, predominantemente mujeres, en el sur de Asia, el sudeste de Asia, África occidental y oriental.
RNS puede usar su dirección IP para confirmar el cumplimiento de los términos y condiciones, para analizar cómo interactúa con la información contenida en esta comunicación y para compartir dicho análisis de forma anónima con otros como parte de nuestros servicios comerciales. Para obtener más información sobre cómo RNS y la Bolsa de Valores de Londres utilizan los datos personales que nos proporciona, consulte nuestra Política de privacidad.