CREDUT UNION REPORT 2013.pdf April 2013 | Page 38
Tied to our vision, anchored by our values, building on our strengths
Gross loans by sector and portfolio growth 2009 -2013
2013
Debt consolidation
2012
2011
2010
2009
22,393,250
27,284,851
23,648,789
17,297,922
12,207,819
Personal expenses
38,163,632
22,065,900
17,975,107
15,539,404
14,398,088
7,442,983
6,605,396
6,876,586
6,535,232
6,588,965
Housing
75,598,416
65,940,198
63,643,272
62,234,690
60,535,610
1,760,423
1,944,429
1,888,000
2,759,364
3,323,539
Education
Home furnishing/appliances
Agriculture
828,915
Business loans
449,717
296,767
132,732
10,619,389
10,133,253
10,936,589
10,989,918
3,475,614
3,048,397
3,283,996
3,208,786
1,537,934
1,738,618
1,398,717
1,312,211
7,769,603
9,179,467
10,347,321
8,798,061
10,032,173
169,675,662
Motor vehicle
3,153,390
1,607,749
Vacation & Travel
TOTAL
559,216
10,635,077
Land purchase
148,890,170
14%
6%
Annual Portfolio Growth
139,749,060 129,080,742 122,729,841
8%
5%
Five (5) year analysis of the loan Portfolio 2009-2013
Loan disbursement by sector 2009-2013 (EC$)
2013
Debt Consolidation
Personal Expenses
Education
Housing
Home Furnishing/Appliances
Agriculture
Land Purchase
2012
2011
2010
2009
7,467,961
11,950,636
5,961,100
3,811,206
3,310,638
7,600,373
5,040,063
6,153,469
6,149,540
5,065,052
1,616,672
1,601,581
1,624,548
2,109,463
2,192,769
*21,302,579
8,629,130
14,611,195
18,143,162
18,091,338
405,173
374,744
388,344
569,869
604,280
331,573
381,268
313,337
473,210
424,372
2,852,524
3,198,967
3,547,139
4,275,920
3,038,327
Business
1,968,835
1,509,013
1,606,243
521,517
1,109,212
694,200
675,800
880,533
777,593
823,600
Motor Vehicle
2,832,772
2,708,192
4,603,360
3,265,912
3,487,912
47,072,663
36,069,394
39,689,268
Vacation & Travel
40,097,392 38,147,500
*This amount includes mortgage re purchased from ECHMB of $14,145,186.23. Actual disbursement for the period was $7,157,393.00
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