Debtor classification
Information updated as of febrero, 2026
Amounts expressed in millions of pesos. Ratios expressed in %.
| COMPAÑÍAS FINANCIERAS | Dic-2023 | Dic-2024 | Dic-2025 | Ene-2026 | Feb-2026 |
|---|---|---|---|---|---|
| TOTAL DE FINANCIACIONES Y GARANTIAS OTORGADAS ($) | 549,655.79 | 1,946,399.23 | 4,537,469.87 | 4,655,171.53 | 4,789,099.53 |
| TF.Sit.1: En situación normal (%) | 95.12 | 93.93 | 91.13 | 91.06 | 90.71 |
| TF.Sit.2: Con seguimiento especial/Riesgo bajo (%) | 1.43 | 2.62 | 3.40 | 3.22 | 3.19 |
| TF.Sit.3: Con problemas/Riesgo medio (%) | 1.17 | 1.79 | 2.53 | 2.75 | 3.04 |
| TF.Sit.4: Con alto riesgo de insolvencia/Riesgo alto (%) | 1.22 | 1.33 | 2.55 | 2.53 | 2.54 |
| TF.Sit.5: Irrecuperable (%) | 1.06 | 0.33 | 0.38 | 0.44 | 0.53 |
| TOTAL GARANTIZADO - Garantías Preferidas A y B (%) | 48.26 | 37.94 | 48.88 | 48.06 | 47.64 |
| Previsiones por riesgo de incobrabilidad constituídas | 14,949.24 | 64,872.58 | 204,306.14 | 224,491.46 | 242,193.37 |
| COMPAÑÍAS FINANCIERAS | Dic-2023 | Dic-2024 | Dic-2025 | Ene-2026 | Feb-2026 |
| CARTERA COMERCIAL ($) | 165,377.05 | 440,966.75 | 917,485.92 | 880,209.77 | 900,112.01 |
| Total cartera sobre financiaciones (%) | 30.09 | 22.66 | 20.22 | 18.91 | 18.80 |
| C.COM.Sit.1: En situación normal (%) | 97.39 | 98.96 | 97.28 | 97.81 | 98.21 |
| C.COM.Sit.2: Con seguimiento especial (%) | 0.29 | 0.32 | 1.27 | 0.71 | 0.38 |
| C.COM.Sit.3: Con problemas (%) | 0.42 | 0.34 | 0.58 | 0.38 | 0.25 |
| C.COM.Sit.4: Con alto riesgo de insolvencia (%) | 0.59 | 0.13 | 0.77 | 1.00 | 1.06 |
| C.COM.Sit.5: Irrecuperable (%) | 1.31 | 0.25 | 0.11 | 0.11 | 0.10 |
| C.COM.TOTAL GARANTIZADO - Garantías Preferidas A y B (%) | 39.18 | 24.56 | 30.81 | 31.43 | 30.32 |
| COMPAÑÍAS FINANCIERAS | Dic-2023 | Dic-2024 | Dic-2025 | Ene-2026 | Feb-2026 |
| CARTERA DE CONSUMO O VIVIENDA ($) | 226,254.98 | 1,170,307.30 | 2,803,248.47 | 2,928,623.87 | 3,041,176.13 |
| Total cartera sobre financiaciones (%) | 41.16 | 60.13 | 61.78 | 62.91 | 63.50 |
| C.CON.Sit.1: En situación normal (%) | 92.67 | 91.14 | 88.55 | 88.38 | 87.95 |
| C.CON.Sit.2: Riesgo bajo (%) | 2.34 | 3.78 | 4.30 | 4.14 | 4.10 |
| C.CON.Sit.3: Riesgo medio (%) | 1.47 | 2.64 | 3.38 | 3.82 | 4.20 |
| C.CON.Sit.4: Riesgo alto (%) | 2.04 | 2.05 | 3.37 | 3.20 | 3.19 |
| C.CON.Sit.5: Irrecuperable (%) | 1.48 | 0.39 | 0.39 | 0.46 | 0.55 |
| C.CON.TOTAL GARANTIZADO - Garantías Preferidas A y B (%) | 37.39 | 33.68 | 43.64 | 42.14 | 41.82 |
| COMPAÑÍAS FINANCIERAS | Dic-2023 | Dic-2024 | Dic-2025 | Ene-2026 | Feb-2026 |
| CARTERA COMERCIAL ASIMILABLE A CONSUMO ($) | 158,023.77 | 335,125.19 | 816,735.48 | 846,337.89 | 847,811.39 |
| Total cartera sobre financiaciones (%) | 28.75 | 17.22 | 18.00 | 18.18 | 17.70 |
| C.CAC.Sit.1: En situación normal (%) | 96.23 | 97.04 | 93.11 | 93.30 | 92.62 |
| C.CAC.Sit.2: Riesgo bajo (%) | 1.30 | 1.58 | 2.69 | 2.62 | 2.90 |
| C.CAC.Sit.3: Riesgo medio (%) | 1.54 | 0.73 | 1.81 | 1.53 | 1.81 |
| C.CAC.Sit.4: Riesgo alto (%) | 0.72 | 0.39 | 1.74 | 1.81 | 1.80 |
| C.CAC.Sit.5: Irrecuperable (%) | 0.21 | 0.25 | 0.65 | 0.74 | 0.88 |
| C.CAC.TOTAL GARANTIZADO - Garantías Preferidas A y B (%) | 73.32 | 70.41 | 87.17 | 85.80 | 86.91 |