La cartera vencida del banco cierra el mes de julio de 2025 en 2.60% , manteniendo un índice de cobertura total (incluyendo garantías) de 99.7%.
Comportamiento Reservas y Cobertura Total 2022 – julio 2025 (Cifras en millones USD)
Total Cartera (Cifras en millones USD)
110.0%
120.0
Total cartera
2024 ene-25 feb-25 mar-25 abr-25 may-25 jun-25 jul-25
98.7% 99.0%
99.7% 99.1%
98.9%
98.1% 98.4% 98.1% 98.4%
100.0%
Saldo Total
3,943
3,914
3,907
3,948
3,902
3,924
3,918
3,866
37.4
Saldo Vencido
88.69
87.96
93.20
96.56
101.28
105.92
99.07
100.64
100.0
Comercial
56.78
57.71
62.42
64.11
64.20
70.88
67.57
70.11
90.0%
Consumo
31.92
30.25
30.78
32.45
37.09
35.03
31.50
30.54
Indicador de cartera vencida (ICV)
80.0%
2.25% 2.25% 2.39% 2.45% 2.60% 2.70% 2.53% 2.60%
80.0
Comercial
2.66% 2.76% 3.01% 3.03% 3.12% 3.44% 3.31% 3.56%
37.1
70.0%
36.7
Consumo
1.76% 1.66% 1.68% 1.77% 2.01% 1.88% 1.68% 1.61%
37.2
37.3
Reserva NIIF
70.56
66.70
64.07
64.91
64.25
63.31
60.62
60.63
37.1
60.0%
60.0
33.1
37.5
Reserva NIIF BAU
37.44
37.17
37.10
37.49
37.05
37.26
37.20
36.70
37.1
37.2
Reserva NIIF Deterioro
33.12
29.54
26.97
27.43
27.20
26.06
23.43
23.93
50.0%
Cobertura Prov
1.79% 1.70% 1.64% 1.64% 1.65% 1.61% 1.55% 1.57%
23.5
Cobertura Total (Neta B2B)
2.16% 2.06% 1.98% 1.98% 1.99% 1.95% 1.87% 1.90%
23.9
40.0
23.4
40.0%
Garantías
3,831
3,798
3,804
3,808
3,775
3,787
3,794
3,795
26.1
27.2
Cobertura cartera total (incluye gtías)
98.9% 98.7% 99.0% 98.1% 98.4% 98.1% 98.4% 99.7%
27.4
30.0%
IDC de vencidos IDC Secured (NIIF + Garantías)
27.0
43.9
20.0
29.5
180% 179% 177% 176% 174% 165% 166% 168%
33.8
29.8
IDC Unsecured (NIIF)
65% 63% 57% 54% 57% 58% 57% 53%
20.0%
25.7
21.7
17.6
Castigos brutos / Cartera total
1.11% 0.14% 0.24% 0.34% 0.45% 0.55% 0.66% 0.77%
13.5
9.5
5.6
ICV Ajustada a castigos
3.4% 2.4% 2.6% 2.8% 3.0% 3.3% 3.2% 3.4% 1.8% 1.7% 1.6% 1.6% 1.6% 1.6% 1.5% 1.6% 3,943,469 3,914,455 3,907,251 3,948,353 3,902,277 3,924,228 3,917,571 3,865,694
10.0%
.0
Cobertura Prov
2024 ene-25 feb-25 mar-25 abr-25 may-25 jun-25 jul-25 ago-25
Saldo Total
Saldo Vencido
88,695
87,963
93,199
96,558 101,283 105,915 99,067 100,645
Reserva NIIF BAU
Castigos
43.9
5.6
9.5
13.5
17.6
21.7
25.7
29.8
%Castigos / Cartera
1.11% 0.14% 0.24% 0.34% 0.45% 0.55% 0.66% 0.77%
29
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