Debtor classification
Information updated as of marzo, 2026
Amounts expressed in millions of pesos. Ratios expressed in %.
| ENTIDADES PRIVADAS | Dic-2024 | Dic-2025 | Ene-2026 | Feb-2026 | Mar-2026 |
|---|---|---|---|---|---|
| TOTAL DE FINANCIACIONES Y GARANTIAS OTORGADAS ($) | 52,444,781.37 | 95,248,839.55 | 95,230,929.60 | 94,708,428.55 | 97,602,320.94 |
| TF.Sit.1: En situación normal (%) | 97.53 | 92.28 | 91.70 | 91.12 | 90.97 |
| TF.Sit.2: Con seguimiento especial/Riesgo bajo (%) | 1.07 | 2.64 | 2.49 | 2.63 | 2.55 |
| TF.Sit.3: Con problemas/Riesgo medio (%) | 0.66 | 2.35 | 2.66 | 2.61 | 2.47 |
| TF.Sit.4: Con alto riesgo de insolvencia/Riesgo alto (%) | 0.62 | 2.39 | 2.74 | 3.16 | 3.43 |
| TF.Sit.5: Irrecuperable (%) | 0.13 | 0.34 | 0.41 | 0.48 | 0.57 |
| TOTAL GARANTIZADO - Garantías Preferidas A y B (%) | 11.35 | 11.83 | 11.80 | 11.94 | 11.52 |
| Previsiones por riesgo de incobrabilidad constituídas | 1,354,660.50 | 4,670,323.13 | 5,074,116.73 | 5,415,054.84 | 5,731,960.59 |
| ENTIDADES PRIVADAS | Dic-2024 | Dic-2025 | Ene-2026 | Feb-2026 | Mar-2026 |
| CARTERA COMERCIAL ($) | 22,589,459.08 | 41,869,952.53 | 41,552,849.15 | 40,723,278.12 | 42,360,809.56 |
| Total cartera sobre financiaciones (%) | 43.07 | 43.96 | 43.63 | 43.00 | 43.40 |
| C.COM.Sit.1: En situación normal (%) | 99.58 | 99.32 | 99.22 | 99.20 | 99.23 |
| C.COM.Sit.2: Con seguimiento especial (%) | 0.13 | 0.23 | 0.27 | 0.23 | 0.17 |
| C.COM.Sit.3: Con problemas (%) | 0.19 | 0.06 | 0.12 | 0.15 | 0.11 |
| C.COM.Sit.4: Con alto riesgo de insolvencia (%) | 0.05 | 0.36 | 0.36 | 0.39 | 0.42 |
| C.COM.Sit.5: Irrecuperable (%) | 0.05 | 0.03 | 0.04 | 0.04 | 0.06 |
| C.COM.TOTAL GARANTIZADO - Garantías Preferidas A y B (%) | 6.59 | 5.75 | 5.65 | 5.78 | 5.40 |
| ENTIDADES PRIVADAS | Dic-2024 | Dic-2025 | Ene-2026 | Feb-2026 | Mar-2026 |
| CARTERA DE CONSUMO O VIVIENDA ($) | 20,848,363.61 | 35,766,392.78 | 36,013,012.64 | 36,291,496.42 | 36,928,983.80 |
| Total cartera sobre financiaciones (%) | 39.75 | 37.55 | 37.82 | 38.32 | 37.84 |
| C.CON.Sit.1: En situación normal (%) | 95.05 | 83.97 | 83.07 | 82.09 | 81.66 |
| C.CON.Sit.2: Riesgo bajo (%) | 2.21 | 5.23 | 4.72 | 4.97 | 4.95 |
| C.CON.Sit.3: Riesgo medio (%) | 1.27 | 5.12 | 5.67 | 5.41 | 5.15 |
| C.CON.Sit.4: Riesgo alto (%) | 1.29 | 4.95 | 5.67 | 6.51 | 7.03 |
| C.CON.Sit.5: Irrecuperable (%) | 0.18 | 0.72 | 0.87 | 1.01 | 1.22 |
| C.CON.TOTAL GARANTIZADO - Garantías Preferidas A y B (%) | 11.15 | 14.76 | 14.89 | 15.04 | 14.95 |
| ENTIDADES PRIVADAS | Dic-2024 | Dic-2025 | Ene-2026 | Feb-2026 | Mar-2026 |
| CARTERA COMERCIAL ASIMILABLE A CONSUMO ($) | 9,006,958.69 | 17,612,494.25 | 17,665,067.81 | 17,693,654.01 | 18,312,527.58 |
| Total cartera sobre financiaciones (%) | 17.17 | 18.49 | 18.55 | 18.68 | 18.76 |
| C.CAC.Sit.1: En situación normal (%) | 98.12 | 92.42 | 91.59 | 91.04 | 90.62 |
| C.CAC.Sit.2: Riesgo bajo (%) | 0.77 | 3.08 | 3.19 | 3.36 | 3.21 |
| C.CAC.Sit.3: Riesgo medio (%) | 0.44 | 2.20 | 2.53 | 2.54 | 2.56 |
| C.CAC.Sit.4: Riesgo alto (%) | 0.47 | 1.99 | 2.37 | 2.68 | 3.15 |
| C.CAC.Sit.5: Irrecuperable (%) | 0.21 | 0.32 | 0.33 | 0.38 | 0.47 |
| C.CAC.TOTAL GARANTIZADO - Garantías Preferidas A y B (%) | 23.73 | 20.34 | 19.93 | 19.74 | 18.74 |