Somos de los bancos que mantenemos un mix de depósitos a plazo menor al 50%, similar a Banco General, lo que nos permite tener una ventaja competitiva a nivel de costo de fondos
Banesco
Banco General
Global Bank
Banistmo
Mercantil
Mix Principales Cuentas
dic-23 dic-24 jul-25
dic-23 dic-24 jul-25
dic-23 dic-24 jul-25
dic-23 dic-24 jul-25
dic-23 dic-24 jul-25
Préstamos Netos
70.2% 68.6% 68.7%
61.7% 63.0% 62.2%
70.5% 69.7% 67.9%
69.6% 69.4% 69.6%
67.0% 68.9% 67.1%
Inversiones en Valores 13.8% 14.7% 16.0%
23.2% 24.4% 24.1%
12.6% 13.1% 15.5%
14.9% 15.9% 16.7%
23.1% 21.9% 23.2%
Participación sobre Total Activos (%)
Activos Liquidos
8.0% 8.9% 7.3%
9.5% 7.0% 7.6%
6.0% 6.5% 5.9%
8.8% 8.2% 7.5%
6.7% 6.1% 6.1%
Otros Activos
7.9% 7.8% 8.1%
5.6% 5.6% 6.0%
10.9% 10.7% 10.7%
6.7% 6.6% 6.2%
3.3% 3.1% 3.6%
Total Activos
100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
100.0% 100.0% 100.0%
100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Depósitos Totales * 83.9% 83.6% 84.3%
85.1% 85.9% 86.3%
69.1% 71.1% 74.7%
76.7% 79.8% 80.0%
87.3% 87.0% 89.4%
Participación sobre Total Pasivos (%)
Obligaciones
12.8% 13.6% 13.3%
8.3% 7.3% 7.0%
28.5% 26.5% 23.2%
17.8% 15.7% 16.2%
10.7% 11.2% 8.6%
Otros Pasivos
3.2% 2.8% 2.3%
6.6% 6.8% 6.8%
2.4% 2.4% 2.1%
5.5% 4.6% 3.8%
2.1% 1.8% 1.9%
Total Pasivos
100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
100.0% 100.0% 100.0%
100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
A la Vista
27.0% 27.9% 27.5%
21.4% 19.9% 19.2%
10.3% 8.8% 8.0%
17.1% 15.3% 14.6%
24.2% 21.3% 20.2%
Mix Depósitos de Clientes
De Ahorros
28.3% 27.6% 26.2%
35.9% 33.6% 31.8%
22.6% 22.7% 21.6%
25.0% 23.2% 23.1%
11.9% 11.1% 11.7%
A Plazo
44.7% 44.5% 46.3%
42.6% 46.5% 49.0%
67.1% 68.5% 70.4%
57.9% 61.5% 62.3%
63.8% 67.6% 68.1%
Total Depósitos de Clientes
100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
100.0% 100.0% 100.0%
100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Banesco
Multibank
Scotiabank
St Georges
Davivienda
Mix Principales Cuentas
dic-23 dic-24 jul-25
dic-23 dic-24 jul-25
dic-23 dic-24 jul-25
dic-23 dic-24 jul-25
dic-23 dic-24 jul-25
Préstamos Netos
70.2% 68.6% 68.7%
71.2% 71.1% 73.6%
77.8% 69.0% 70.4%
67.9% 71.3% 73.3%
53.8% 54.9% 50.8%
Inversiones en Valores 13.8% 14.7% 16.0%
18.3% 18.7% 16.3%
9.8% 8.7% 9.1%
23.6% 20.6% 18.2%
27.4% 24.9% 30.0%
Participación sobre Total Activos (%)
Activos Liquidos
8.0% 8.9% 7.3%
3.6% 3.8% 3.5%
9.0% 19.5% 17.5%
3.8% 3.0% 2.8%
14.9% 16.0% 15.8%
Otros Activos
7.9% 7.8% 8.1%
7.0% 6.3% 6.6%
3.4% 2.8% 3.0%
4.7% 5.1% 5.6%
4.0% 4.1% 3.4%
Total Activos
100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
100.0% 100.0% 100.0%
100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Depósitos Totales * 83.9% 83.6% 84.3%
73.0% 72.3% 73.2%
97.0% 97.2% 97.1%
91.9% 91.3% 93.9%
95.4% 92.4% 96.5%
Participación sobre Total Pasivos (%)
Obligaciones
12.8% 13.6% 13.3%
23.7% 24.8% 23.8%
0.0% 0.0% 0.0%
6.3% 6.2% 3.8%
2.9% 5.4% 1.8%
Otros Pasivos
3.2% 2.8% 2.3%
3.3% 3.0% 3.1%
3.0% 2.8% 2.9%
1.8% 2.5% 2.3%
1.7% 2.2% 1.6%
Total Pasivos
100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
100.0% 100.0% 100.0%
100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
A la Vista
27.0% 27.9% 27.5%
11.0% 10.7% 10.8%
15.5% 15.6% 13.4%
16.6% 15.0% 13.9%
8.8% 6.6% 4.4%
Mix Depósitos de Clientes
De Ahorros
28.3% 27.6% 26.2%
15.7% 17.5% 18.4%
26.5% 25.2% 25.7%
10.7% 10.7% 11.6%
29.1% 25.5% 24.5%
A Plazo
44.7% 44.5% 46.3%
73.2% 71.8% 70.8%
58.0% 59.1% 60.9%
72.6% 74.3% 74.6%
62.1% 67.9% 71.1%
Total Depósitos de Clientes
100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
100.0% 100.0% 100.0%
100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
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