{"id":6844,"date":"2026-05-06T01:49:26","date_gmt":"2026-05-06T05:49:26","guid":{"rendered":"https:\/\/ratingspcr.com.mx\/ww2\/?p=6844"},"modified":"2026-05-06T04:25:38","modified_gmt":"2026-05-06T08:25:38","slug":"panama-sector-bancos","status":"publish","type":"post","link":"https:\/\/ratingspcr.com.mx\/ww2\/panama-sector-bancos\/","title":{"rendered":"Panam\u00e1: Sector Bancos"},"content":{"rendered":"\n

Rol de Plataforma Financiera Regional<\/strong><\/p>\n\n\n\n

A diciembre de 2025, la banca paname\u00f1a mantuvo su rol de centro financiero latinoamericano al presentar m\u00e9tricas de calidad crediticia sana, con crecimiento mayor en colocaciones al exterior y captaciones del extranjero que locales, capitalizaci\u00f3n e indicadores de liquidez estables y rentabilidad ajustada ante un escenario de m\u00e1rgenes presionados. <\/p>\n\n\n

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Fuente<\/strong>: Superintendencia de Bancos de Panam\u00e1 \/ Elaboraci\u00f3n<\/strong>: PCR<\/p>\n\n\n\n

As\u00ed, la cartera de cr\u00e9ditos neta del Sistema Bancario Nacional (SBN) cerr\u00f3 2025 con un crecimiento interanual de 3.11%, menor al promedio 2021 a 2024 de 7.23% e impulsado por pr\u00e9stamos extranjeros que crecieron 7.86% de manera interanual, contrastando con el crecimiento bajo del cr\u00e9dito local de 1.13%. Por su parte, los dep\u00f3sitos de clientes aminoraron su crecimiento a un 3.35% despu\u00e9s de haber crecido en promedio 3.90% los 4 a\u00f1os previos. Los dep\u00f3sitos de extranjeros crecieron un 5.26%, contra el reducido 2.51% de los locales.<\/p>\n\n\n\n

La calidad de la cartera crediticia se mantuvo estable. Al cierre de 2025, los pr\u00e9stamos vencidos representaron 2.44% de la cartera total, mejor al promedio 2021-2024 de 2.51%. Esto en parte por la prospecci\u00f3n buena de clientes que caracteriza a la mayor\u00eda de los bancos de la plaza y el crecimiento de colocaciones extranjeras que se enfocan tradicionalmente en cr\u00e9ditos mayoristas, tomando en cuenta que, los m\u00e1rgenes de inter\u00e9s relativamente menores a nivel local impulsan la b\u00fasqueda de colocaciones en el extranjero. Por su parte, las provisiones fueron de 93.48%, adecuadas considerando que la mayor\u00eda de los bancos tienen garant\u00edas reales de razonables a buenas en sus balances, aunque menor a su promedio reciente de 4 a\u00f1os de 120.38% y apuntando, seg\u00fan PCR, el mantener metas de utilidades y rentabilidad.<\/p>\n\n\n

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Fuente<\/strong>: Superintendencia de Bancos de Panam\u00e1 \/ Elaboraci\u00f3n<\/strong>: PCR<\/p>\n\n\n\n

En cambio, los dep\u00f3sitos de clientes particulares mantuvieron su dinamismo sobre los oficiales y los de bancos, como es esperado, con el crecimiento predominante en dep\u00f3sitos a plazo, contribuyendo al incremento del costo financiero. En cuanto a la diversificaci\u00f3n del fondeo de depositantes externos, estad\u00edsticas del regulador Superintendencia de Bancos de Panam\u00e1 (SBP) indican una predominancia de dep\u00f3sitos de origen colombiano, costarricense y venezolano. La agencia estima que dicha estructura se mantendr\u00eda en el ejercicio fiscal 2026 dado las ventajas de centro financiero dolarizado, que le permite canalizar fondos a proyectos productivos y preservar el valor de los fondos.<\/p>\n\n\n\n

A 2025, la liquidez del SBN se mantuvo adecuada: el indicador de activos l\u00edquidos m\u00e1s inversiones represent\u00f3 el 47.65% de los dep\u00f3sitos totales, en l\u00ednea con el promedio 2021-2024 de 47.64%, pero, los indicadores de activos l\u00edquidos a dep\u00f3sitos (16.07%) y activos l\u00edquidos a activos totales (11.23%) fueron menores a sus promedios 2021-2024 (19.08% y 13.51%, respectivamente). A juicio de PCR, esto sugiera una movilizaci\u00f3n de activos m\u00e1s l\u00edquidos hacia inversiones con el objetivo de obtener rentabilidad adicional ante m\u00e1rgenes financieros presionados.<\/p>\n\n\n

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\"\"<\/figure>\n<\/div>\n\n\n

Fuente<\/strong>: Superintendencia de Bancos de Panam\u00e1 \/ Elaboraci\u00f3n<\/strong>: PCR<\/p>\n\n\n\n

Por su parte, el \u00edndice de adecuaci\u00f3n de capital del SBN fue de 15.97%, evidenciando solvencia fuerte, suficiente para afrontar p\u00e9rdidas no esperadas y se\u00f1alizando que el sistema en general se mantiene s\u00f3lido. En esta misma l\u00ednea, el patrimonio total de SBN represent\u00f3 11.74% de los activos totales, arriba del promedio 2021 a 2024 de 10.47%.<\/p>\n\n\n\n

PCR considera positivo que, seg\u00fan la informaci\u00f3n del regulador, las provisiones din\u00e1micas aumentaron 8.51%, reforz\u00e1ndose los amortiguadores prudenciales, as\u00ed como la reducci\u00f3n en la p\u00e9rdida por valuaci\u00f3n de inversiones disponibles para la venta, disminuyendo la presi\u00f3n de volatilidad de mercado sobre el patrimonio.<\/p>\n\n\n\n

Por su parte, la rentabilidad sigui\u00f3 limitada por un margen financiero neto presionado por un ambiente de tasas de inter\u00e9s altas Dada la coyuntura mundial actual, PCR no descarta presiones adicionales que incidan en la obtenci\u00f3n de mayores niveles de rentabilidad. Al cierre fiscal 2025, el ROA del SBN fue de 1.87%, favorablemente mayor al promedio 2021-2024 de 1.45%. Esto derivado de utilidades del per\u00edodo 8.56% mayores al ejercicio fiscal previo y beneficiadas por un control de los egresos generales (-1.97% menores a 2024) y un gasto por provisiones estable a\u00f1o a a\u00f1o, lo que compens\u00f3 el ingreso neto por intereses similar al ejercicio previo, producto principalmente de un costo financiero que se increment\u00f3 cerca de 4%, mayor a la tasa de crecimiento de 2.5% de los ingresos por intereses.<\/p>\n\n\n\n

Potenciales cambios de participantes<\/strong><\/p>\n\n\n\n

PCR no descarta que haya m\u00e1s operaciones de consolidaci\u00f3n a nivel de bancos como las acontecidas en meses recientes dada las exigencias operativas y tecnol\u00f3gicas. En este \u00faltimo particular, los ciber riesgos resaltan como el mayor riesgo no financiero que deben mitigar las instituciones para proteger a sus depositantes, acreedores y otras partes interesadas.<\/p>\n\n\n\n

Proyecto de Ley 288 cuestionable<\/strong><\/p>\n\n\n\n

PCR opina que el proyecto de ley 288 aprobado por mayor\u00eda en el cuerpo legislativo paname\u00f1o y, a abril de 2026, pendiente de revisi\u00f3n por parte del poder ejecutivo, traer\u00eda potencialmente consecuencias negativas al permitir la erosi\u00f3n de la moral de pago de los clientes. Esto, seg\u00fan la agencia, podr\u00eda hacer que la banca haga menos accesible el acceso al cr\u00e9dito a los segmentos de clientes que considere con un nivel incrementado de riesgo.<\/p>\n\n\n\n

Cifras relevantes<\/strong><\/p>\n\n\n\n

El Centro Bancario Internacional (CBI), compuesto por 56 bancos, pero con una concentraci\u00f3n en activos del 53.3% en los primeros 5 bancos consolidados, todos arriba de los USD10,000 millones.<\/p>\n\n\n

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A diciembre de 2025, la banca paname\u00f1a mantuvo su rol de centro financiero latinoamericano al presentar m\u00e9tricas de calidad crediticia sana, con crecimiento mayor en colocaciones al exterior y captaciones del extranjero que locales, capitalizaci\u00f3n e indicadores de liquidez estables y rentabilidad ajustada ante un escenario de m\u00e1rgenes presionados. <\/p>\n","protected":false},"author":9,"featured_media":6851,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debt-help"],"yoast_head":"\nPanam\u00e1: Sector Bancos - 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