| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 1 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO BASE ACUMULADO SEMANAL | ||||||||||||
| Del 31 de diciembre de 2025 al 1 de octubre de 2026 | ||||||||||||
| - Millones de Quetzales - | ||||||||||||
| Tipo de cambio: | 7.640280 | |||||||||||
| BANCO DE GUATEMALA | BANCOS DEL SISTEMA | PANORAMA MONETARIO | ||||||||||
| Concepto | VARIACIÓN | VARIACIÓN | VARIACIÓN | |||||||||
| 31/12/2025 | 1/10/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 1/10/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 1/10/2026 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 250,118.2 | 252,407.9 | 2,289.7 | 0.9 | -47,580.3 | -47,562.1 | 18.2 | 0.0 | 202,537.9 | 204,845.8 | 2,307.9 | 1.1 |
| 1. Activo externo 1/ | 250,118.2 | 252,407.9 | 2,289.7 | 0.9 | 8,221.3 | 8,606.5 | 385.2 | 4.7 | 258,339.5 | 261,014.4 | 2,674.9 | 1.0 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -55,801.6 | -56,168.6 | -367.0 | 0.7 | -55,801.6 | -56,168.6 | -367.0 | 0.7 |
| II. ACTIVOS INTERNOS NETOS | -66,409.2 | -68,891.4 | -2,482.2 | 3.7 | 482,439.5 | 514,947.8 | 32,508.3 | 6.7 | 333,321.7 | 366,009.0 | 32,687.3 | 9.8 |
| 1. Actividad crediticia | -15,061.6 | -6,028.3 | 9,033.3 | -60.0 | 442,571.7 | 475,578.7 | 33,007.0 | 7.5 | 427,510.1 | 469,550.5 | 42,040.4 | 9.8 |
| 1.1 Al Sector público neto | -17,119.7 | -8,086.3 | 9,033.4 | -52.8 | 34,243.3 | 41,937.6 | 7,694.3 | 22.5 | 17,123.7 | 33,851.2 | 16,727.5 | 97.7 |
| 1.2 Al Sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 409,087.1 | 434,554.8 | 25,467.7 | 6.2 | 409,087.1 | 434,554.8 | 25,467.7 | 6.2 |
| 1.2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 302,445.3 | 319,743.0 | 17,297.7 | 5.7 | 302,445.3 | 319,743.0 | 17,297.7 | 5.7 |
| 1.2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 106,641.8 | 114,811.8 | 8,170.0 | 7.7 | 106,641.8 | 114,811.8 | 8,170.0 | 7.7 |
| 1.3 A los bancos | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.1 En moneda nacional | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.4 A las financieras | 6.9 | 6.9 | 0.0 | 0.0 | 1,292.4 | 1,137.5 | -154.9 | -12.0 | 1,299.3 | 1,144.4 | -154.9 | -11.9 |
| 1.4.1 En moneda nacional | 6.9 | 6.9 | 0.0 | 0.0 | 810.7 | 755.5 | -55.2 | -6.8 | 817.7 | 762.5 | -55.2 | -6.8 |
| 1.4.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 481.6 | 381.9 | -99.7 | -20.7 | 481.6 | 381.9 | -99.7 | -20.7 |
| 2. Encaje en moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 69,956.0 | 68,175.1 | -1,780.9 | -2.5 | -30.8 | -15.9 | 14.9 | -48.4 |
| 3. Encaje en moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 12,712.5 | 11,783.9 | -928.6 | -7.3 | -9.3 | -72.5 | -63.2 | 679.6 |
| 4. Otros Activos Netos | 11,867.6 | 9,401.3 | -2,466.3 | -20.8 | -68,594.1 | -71,662.3 | -3,068.2 | 4.5 | -56,726.5 | -62,261.0 | -5,534.5 | 9.8 |
| 5. Obligaciones mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -4,180.1 | -4,134.3 | 45.8 | -1.1 | -4,180.1 | -4,134.3 | 45.8 | -1.1 |
| 6. Bonos de estabilización | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 7. Operaciones compra venta de valores en M/N | -63,215.2 | -72,264.4 | -9,049.2 | 14.3 | 29,973.4 | 35,206.6 | 5,233.2 | 17.5 | -33,241.8 | -37,057.8 | -3,816.0 | 11.5 |
| 7.1 Con entidades públicas | -27,260.4 | -31,859.1 | -4,598.7 | 16.9 | 0.0 | 0.0 | 0.0 | 0.0 | -27,260.4 | -31,859.1 | -4,598.7 | 16.9 |
| 7.2 Otros inversionistas | -35,954.8 | -40,405.3 | -4,450.5 | 12.4 | 29,973.4 | 35,206.6 | 5,233.2 | 17.5 | -5,981.4 | -5,198.7 | 782.7 | -13.1 |
| 8. Operaciones compra venta de valores en M/E | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.1 Con entidades públicas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.2 Otros inversionistas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| III. OBLIGACIONES MONETARIAS | 183,709.0 | 183,516.6 | -192.4 | -0.1 | 434,859.2 | 467,385.7 | 32,526.5 | 7.5 | 535,859.6 | 570,854.9 | 34,995.3 | 6.5 |
| IV. DINERO PRIMARIO | 170,987.3 | 171,660.2 | 672.9 | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 101,000.5 | 103,469.2 | 2,468.7 | 2.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2. Encaje | 69,986.8 | 68,191.0 | -1,795.8 | -2.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.1 Bancario no remunerado | 67,494.7 | 65,559.0 | -1,935.7 | -2.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.2 Bancario remunerado | 2,461.3 | 2,616.1 | 154.8 | 6.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.3 Financieras | 30.7 | 15.9 | -14.8 | -48.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| V. ENCAJE EN MONEDA EXTRANJERA | 12,721.8 | 11,856.4 | -865.4 | -6.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1 Bancario no remunerado | 12,263.4 | 11,325.0 | -938.4 | -7.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2 Bancario remunerado | 449.1 | 459.0 | 9.9 | 2.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 Financieras | 9.2 | 72.4 | 63.2 | 687.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| VI. MEDIO CIRCULANTE EN MONEDA NACIONAL | 101,000.5 | 103,469.2 | 2,468.7 | 2.4 | 115,387.0 | 116,945.8 | 1,558.8 | 1.4 | 216,387.4 | 220,414.9 | 4,027.5 | 1.9 |
| 1. Numerario en circulación | 101,000.5 | 103,469.2 | 2,468.7 | 2.4 | 0.0 | 0.0 | 0.0 | 0.0 | 101,000.5 | 103,469.2 | 2,468.7 | 2.4 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 115,387.0 | 116,945.8 | 1,558.8 | 1.4 | 115,387.0 | 116,945.8 | 1,558.8 | 1.4 |
| VII. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 238,267.9 | 262,182.4 | 23,914.5 | 10.0 | 238,267.9 | 262,182.4 | 23,914.5 | 10.0 |
| VIII. MEDIOS DE PAGO EN MONEDA NACIONAL | 101,000.5 | 103,469.2 | 2,468.7 | 2.4 | 353,654.9 | 379,128.2 | 25,473.3 | 7.2 | 454,655.4 | 482,597.3 | 27,941.9 | 6.1 |
| IX. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 30,182.5 | 31,894.8 | 1,712.3 | 5.7 | 30,182.5 | 31,894.8 | 1,712.3 | 5.7 |
| X. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 51,021.8 | 56,362.7 | 5,340.9 | 10.5 | 51,021.8 | 56,362.7 | 5,340.9 | 10.5 |
| XI. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 81,204.3 | 88,257.5 | 7,053.2 | 8.7 | 81,204.3 | 88,257.5 | 7,053.2 | 8.7 |
| XII. MEDIOS DE PAGO TOTALES | 101,000.5 | 103,469.2 | 2,468.7 | 2.4 | 434,859.2 | 467,385.7 | 32,526.5 | 7.5 | 535,859.7 | 570,854.9 | 34,995.2 | 6.5 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 616.0 | 532.5 | -83.5 | -13.6 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 1,172.7 | 2,632.5 | 1,459.8 | 124.5 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 7,385.3 | 12,061.3 | 4,676.0 | 63.3 | -.- | -.- | -.- | -.- |