Debtor classification
Information updated as of febrero, 2026
Amounts expressed in millions of pesos. Ratios expressed in %.
| ENTIDADES PÚBLICAS | Dic-2023 | Dic-2024 | Dic-2025 | Ene-2026 | Feb-2026 |
|---|---|---|---|---|---|
| TOTAL DE FINANCIACIONES Y GARANTIAS OTORGADAS ($) | 9,083,716.33 | 28,677,858.87 | 48,877,964.64 | 50,697,314.20 | 52,173,613.46 |
| TF.Sit.1: En situación normal (%) | 91.55 | 97.00 | 91.25 | 90.92 | 90.32 |
| TF.Sit.2: Con seguimiento especial/Riesgo bajo (%) | 1.74 | 1.45 | 3.57 | 3.12 | 3.59 |
| TF.Sit.3: Con problemas/Riesgo medio (%) | 0.71 | 0.46 | 2.51 | 3.12 | 2.81 |
| TF.Sit.4: Con alto riesgo de insolvencia/Riesgo alto (%) | 0.84 | 0.46 | 2.17 | 2.27 | 2.60 |
| TF.Sit.5: Irrecuperable (%) | 5.16 | 0.62 | 0.50 | 0.58 | 0.68 |
| TOTAL GARANTIZADO - Garantías Preferidas A y B (%) | 26.68 | 21.36 | 22.36 | 22.40 | 22.47 |
| Previsiones por riesgo de incobrabilidad constituídas | 818,759.50 | 674,474.38 | 2,332,514.60 | 2,638,490.46 | 2,866,456.13 |
| ENTIDADES PÚBLICAS | Dic-2023 | Dic-2024 | Dic-2025 | Ene-2026 | Feb-2026 |
| CARTERA COMERCIAL ($) | 3,012,405.13 | 9,359,735.86 | 13,582,735.91 | 14,078,102.78 | 14,505,581.29 |
| Total cartera sobre financiaciones (%) | 33.16 | 32.64 | 27.79 | 27.77 | 27.80 |
| C.COM.Sit.1: En situación normal (%) | 81.79 | 97.28 | 95.72 | 95.70 | 95.66 |
| C.COM.Sit.2: Con seguimiento especial (%) | 2.20 | 1.00 | 1.06 | 1.03 | 1.80 |
| C.COM.Sit.3: Con problemas (%) | 0.64 | 0.08 | 1.47 | 1.69 | 0.88 |
| C.COM.Sit.4: Con alto riesgo de insolvencia (%) | 0.94 | 0.43 | 1.27 | 1.12 | 1.21 |
| C.COM.Sit.5: Irrecuperable (%) | 14.42 | 1.22 | 0.48 | 0.46 | 0.44 |
| C.COM.TOTAL GARANTIZADO - Garantías Preferidas A y B (%) | 14.20 | 9.62 | 10.25 | 10.02 | 9.75 |
| ENTIDADES PÚBLICAS | Dic-2023 | Dic-2024 | Dic-2025 | Ene-2026 | Feb-2026 |
| CARTERA DE CONSUMO O VIVIENDA ($) | 3,919,340.56 | 12,870,384.41 | 23,944,966.87 | 25,037,897.99 | 25,813,530.40 |
| Total cartera sobre financiaciones (%) | 43.15 | 44.88 | 48.99 | 49.39 | 49.48 |
| C.CON.Sit.1: En situación normal (%) | 95.56 | 96.10 | 87.90 | 87.47 | 86.44 |
| C.CON.Sit.2: Riesgo bajo (%) | 1.69 | 2.00 | 5.08 | 4.29 | 4.82 |
| C.CON.Sit.3: Riesgo medio (%) | 0.99 | 0.86 | 3.35 | 4.33 | 4.15 |
| C.CON.Sit.4: Riesgo alto (%) | 1.02 | 0.63 | 3.02 | 3.14 | 3.63 |
| C.CON.Sit.5: Irrecuperable (%) | 0.75 | 0.40 | 0.64 | 0.78 | 0.96 |
| C.CON.TOTAL GARANTIZADO - Garantías Preferidas A y B (%) | 33.96 | 29.11 | 30.60 | 30.89 | 31.35 |
| ENTIDADES PÚBLICAS | Dic-2023 | Dic-2024 | Dic-2025 | Ene-2026 | Feb-2026 |
| CARTERA COMERCIAL ASIMILABLE A CONSUMO ($) | 2,151,970.64 | 6,447,738.61 | 11,350,261.85 | 11,581,313.43 | 11,854,501.76 |
| Total cartera sobre financiaciones (%) | 23.69 | 22.48 | 23.22 | 22.84 | 22.72 |
| C.CAC.Sit.1: En situación normal (%) | 97.91 | 98.41 | 92.95 | 92.57 | 92.23 |
| C.CAC.Sit.2: Riesgo bajo (%) | 1.20 | 1.01 | 3.36 | 3.14 | 3.11 |
| C.CAC.Sit.3: Riesgo medio (%) | 0.29 | 0.23 | 1.99 | 2.23 | 2.26 |
| C.CAC.Sit.4: Riesgo alto (%) | 0.38 | 0.18 | 1.46 | 1.76 | 2.07 |
| C.CAC.Sit.5: Irrecuperable (%) | 0.22 | 0.18 | 0.23 | 0.29 | 0.34 |
| C.CAC.TOTAL GARANTIZADO - Garantías Preferidas A y B (%) | 30.87 | 22.92 | 19.48 | 19.10 | 18.68 |