Debtors Situation
Information updated to noviembre of 2025
Amounts expressed in millions of pesos. Ratios expressed in %.
| COMPAÑÍAS FINANCIERAS | Dic-2023 | Dic-2024 | Set-2025 | Oct-2025 | Nov-2025 |
|---|---|---|---|---|---|
| TOTAL DE FINANCIACIONES Y GARANTIAS OTORGADAS ($) | 549,655.79 | 1,946,399.23 | 3,939,764.72 | 4,108,495.18 | 4,399,038.94 |
| TF.Sit.1: En situación normal (%) | 95.12 | 93.93 | 92.38 | 91.79 | 91.59 |
| TF.Sit.2: Con seguimiento especial/Riesgo bajo (%) | 1.43 | 2.62 | 2.80 | 3.00 | 3.39 |
| TF.Sit.3: Con problemas/Riesgo medio (%) | 1.17 | 1.79 | 2.22 | 2.30 | 2.25 |
| TF.Sit.4: Con alto riesgo de insolvencia/Riesgo alto (%) | 1.22 | 1.33 | 2.32 | 2.62 | 2.48 |
| TF.Sit.5: Irrecuperable (%) | 1.06 | 0.33 | 0.28 | 0.29 | 0.29 |
| TOTAL GARANTIZADO - Garantías Preferidas A y B (%) | 48.26 | 37.94 | 49.95 | 52.29 | 49.95 |
| Previsiones por riesgo de incobrabilidad constituídas | 14,949.24 | 64,872.58 | 187,055.73 | 205,017.16 | 206,811.19 |
| COMPAÑÍAS FINANCIERAS | Dic-2023 | Dic-2024 | Set-2025 | Oct-2025 | Nov-2025 |
| CARTERA COMERCIAL ($) | 165,377.05 | 440,966.75 | 697,944.56 | 684,807.51 | 809,945.13 |
| Total cartera sobre financiaciones (%) | 30.09 | 22.66 | 17.72 | 16.67 | 18.41 |
| C.COM.Sit.1: En situación normal (%) | 97.39 | 98.96 | 97.73 | 97.07 | 97.14 |
| C.COM.Sit.2: Con seguimiento especial (%) | 0.29 | 0.32 | 1.19 | 1.17 | 1.44 |
| C.COM.Sit.3: Con problemas (%) | 0.42 | 0.34 | 0.30 | 0.60 | 0.54 |
| C.COM.Sit.4: Con alto riesgo de insolvencia (%) | 0.59 | 0.13 | 0.48 | 0.88 | 0.75 |
| C.COM.Sit.5: Irrecuperable (%) | 1.31 | 0.25 | 0.30 | 0.28 | 0.12 |
| C.COM.TOTAL GARANTIZADO - Garantías Preferidas A y B (%) | 39.18 | 24.56 | 37.43 | 40.71 | 33.98 |
| COMPAÑÍAS FINANCIERAS | Dic-2023 | Dic-2024 | Set-2025 | Oct-2025 | Nov-2025 |
| CARTERA DE CONSUMO O VIVIENDA ($) | 226,254.98 | 1,170,307.30 | 2,542,167.73 | 2,656,866.36 | 2,798,903.87 |
| Total cartera sobre financiaciones (%) | 41.16 | 60.13 | 64.53 | 64.67 | 63.63 |
| C.CON.Sit.1: En situación normal (%) | 92.67 | 91.14 | 90.26 | 89.69 | 89.29 |
| C.CON.Sit.2: Riesgo bajo (%) | 2.34 | 3.78 | 3.30 | 3.64 | 4.20 |
| C.CON.Sit.3: Riesgo medio (%) | 1.47 | 2.64 | 3.07 | 2.96 | 2.92 |
| C.CON.Sit.4: Riesgo alto (%) | 2.04 | 2.05 | 3.12 | 3.42 | 3.27 |
| C.CON.Sit.5: Irrecuperable (%) | 1.48 | 0.39 | 0.26 | 0.29 | 0.32 |
| C.CON.TOTAL GARANTIZADO - Garantías Preferidas A y B (%) | 37.39 | 33.68 | 43.26 | 44.86 | 43.70 |
| COMPAÑÍAS FINANCIERAS | Dic-2023 | Dic-2024 | Set-2025 | Oct-2025 | Nov-2025 |
| CARTERA COMERCIAL ASIMILABLE A CONSUMO ($) | 158,023.77 | 335,125.19 | 699,652.43 | 766,821.31 | 790,189.94 |
| Total cartera sobre financiaciones (%) | 28.75 | 17.22 | 17.76 | 18.66 | 17.96 |
| C.CAC.Sit.1: En situación normal (%) | 96.23 | 97.04 | 94.75 | 94.33 | 94.03 |
| C.CAC.Sit.2: Riesgo bajo (%) | 1.30 | 1.58 | 2.59 | 2.39 | 2.52 |
| C.CAC.Sit.3: Riesgo medio (%) | 1.54 | 0.73 | 1.05 | 1.55 | 1.65 |
| C.CAC.Sit.4: Riesgo alto (%) | 0.72 | 0.39 | 1.27 | 1.39 | 1.45 |
| C.CAC.Sit.5: Irrecuperable (%) | 0.21 | 0.25 | 0.34 | 0.33 | 0.36 |
| C.CAC.TOTAL GARANTIZADO - Garantías Preferidas A y B (%) | 73.32 | 70.41 | 86.72 | 88.35 | 88.44 |