Debtors Situation
Information updated to noviembre of 2025
Amounts expressed in millions of pesos. Ratios expressed in %.
| ENTIDADES PÚBLICAS | Dic-2023 | Dic-2024 | Set-2025 | Oct-2025 | Nov-2025 |
|---|---|---|---|---|---|
| TOTAL DE FINANCIACIONES Y GARANTIAS OTORGADAS ($) | 9,083,716.33 | 28,677,858.87 | 44,283,380.59 | 45,801,505.73 | 47,276,612.77 |
| TF.Sit.1: En situación normal (%) | 91.55 | 97.00 | 93.45 | 92.74 | 91.31 |
| TF.Sit.2: Con seguimiento especial/Riesgo bajo (%) | 1.74 | 1.45 | 2.94 | 3.21 | 3.97 |
| TF.Sit.3: Con problemas/Riesgo medio (%) | 0.71 | 0.46 | 1.92 | 2.06 | 2.31 |
| TF.Sit.4: Con alto riesgo de insolvencia/Riesgo alto (%) | 0.84 | 0.46 | 1.26 | 1.53 | 1.89 |
| TF.Sit.5: Irrecuperable (%) | 5.16 | 0.62 | 0.42 | 0.47 | 0.51 |
| TOTAL GARANTIZADO - Garantías Preferidas A y B (%) | 26.68 | 21.36 | 21.34 | 22.00 | 22.19 |
| Previsiones por riesgo de incobrabilidad constituídas | 818,759.50 | 674,474.38 | 1,576,213.84 | 1,806,402.91 | 2,192,273.33 |
| ENTIDADES PÚBLICAS | Dic-2023 | Dic-2024 | Set-2025 | Oct-2025 | Nov-2025 |
| CARTERA COMERCIAL ($) | 3,012,405.13 | 9,359,735.86 | 12,928,681.03 | 13,225,451.51 | 13,377,750.77 |
| Total cartera sobre financiaciones (%) | 33.16 | 32.64 | 29.20 | 28.88 | 28.30 |
| C.COM.Sit.1: En situación normal (%) | 81.79 | 97.28 | 96.07 | 95.70 | 95.46 |
| C.COM.Sit.2: Con seguimiento especial (%) | 2.20 | 1.00 | 1.49 | 1.51 | 1.38 |
| C.COM.Sit.3: Con problemas (%) | 0.64 | 0.08 | 1.33 | 1.17 | 1.22 |
| C.COM.Sit.4: Con alto riesgo de insolvencia (%) | 0.94 | 0.43 | 0.55 | 1.00 | 1.28 |
| C.COM.Sit.5: Irrecuperable (%) | 14.42 | 1.22 | 0.56 | 0.62 | 0.67 |
| C.COM.TOTAL GARANTIZADO - Garantías Preferidas A y B (%) | 14.20 | 9.62 | 9.90 | 9.96 | 10.36 |
| ENTIDADES PÚBLICAS | Dic-2023 | Dic-2024 | Set-2025 | Oct-2025 | Nov-2025 |
| CARTERA DE CONSUMO O VIVIENDA ($) | 3,919,340.56 | 12,870,384.41 | 21,265,658.55 | 22,215,603.74 | 23,155,183.46 |
| Total cartera sobre financiaciones (%) | 43.15 | 44.88 | 48.02 | 48.50 | 48.98 |
| C.CON.Sit.1: En situación normal (%) | 95.56 | 96.10 | 90.93 | 90.02 | 87.95 |
| C.CON.Sit.2: Riesgo bajo (%) | 1.69 | 2.00 | 3.99 | 4.45 | 5.65 |
| C.CON.Sit.3: Riesgo medio (%) | 0.99 | 0.86 | 2.68 | 2.87 | 3.24 |
| C.CON.Sit.4: Riesgo alto (%) | 1.02 | 0.63 | 1.95 | 2.16 | 2.61 |
| C.CON.Sit.5: Irrecuperable (%) | 0.75 | 0.40 | 0.44 | 0.50 | 0.55 |
| C.CON.TOTAL GARANTIZADO - Garantías Preferidas A y B (%) | 33.96 | 29.11 | 28.48 | 29.66 | 29.82 |
| ENTIDADES PÚBLICAS | Dic-2023 | Dic-2024 | Set-2025 | Oct-2025 | Nov-2025 |
| CARTERA COMERCIAL ASIMILABLE A CONSUMO ($) | 2,151,970.64 | 6,447,738.61 | 10,089,041.01 | 10,360,450.48 | 10,743,678.54 |
| Total cartera sobre financiaciones (%) | 23.69 | 22.48 | 22.78 | 22.62 | 22.73 |
| C.CAC.Sit.1: En situación normal (%) | 97.91 | 98.41 | 95.43 | 94.79 | 93.39 |
| C.CAC.Sit.2: Riesgo bajo (%) | 1.20 | 1.01 | 2.59 | 2.71 | 3.58 |
| C.CAC.Sit.3: Riesgo medio (%) | 0.29 | 0.23 | 1.09 | 1.45 | 1.68 |
| C.CAC.Sit.4: Riesgo alto (%) | 0.38 | 0.18 | 0.69 | 0.83 | 1.11 |
| C.CAC.Sit.5: Irrecuperable (%) | 0.22 | 0.18 | 0.20 | 0.21 | 0.24 |
| C.CAC.TOTAL GARANTIZADO - Garantías Preferidas A y B (%) | 30.87 | 22.92 | 20.98 | 20.95 | 20.47 |