| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 2 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO EMISIÓN 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 | -137,976.4 | -139,552.9 | -1,576.5 | 1.1 | 482,439.5 | 514,947.8 | 32,508.3 | 6.7 | 333,321.8 | 366,009.0 | 32,687.2 | 9.8 |
| 1. Posición neta con el sector público | -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 |
| 2. Crédito 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 |
| 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 |
| 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 |
| 3. Posición con bancos y financieras en M/N | -86,944.9 | -92,145.1 | -5,200.2 | 6.0 | 98,689.1 | 102,086.1 | 3,397.0 | 3.4 | 602.8 | 555.1 | -47.7 | -7.9 |
| 3.1. Crédito a bancos y financieras | 2,058.1 | 2,058.1 | 0.0 | 0.0 | -1,240.4 | -1,295.6 | -55.2 | 4.5 | 817.7 | 762.5 | -55.2 | -6.8 |
| 3.2. Encaje | -58,845.4 | -58,805.1 | 40.3 | -0.1 | 69,956.0 | 68,175.1 | -1,780.9 | -2.5 | -30.7 | -16.0 | 14.7 | -47.9 |
| 3.2.1. Depósitos no remunerados | -56,384.1 | -56,189.0 | 195.1 | -0.3 | 67,494.7 | 65,559.0 | -1,935.7 | -2.9 | -30.7 | -16.0 | 14.7 | -47.9 |
| 3.2.2. Depósitos remunerados | -2,461.3 | -2,616.1 | -154.8 | 6.3 | 2,461.3 | 2,616.1 | 154.8 | 6.3 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3.3. Operaciones de estabilización | -30,157.6 | -35,398.1 | -5,240.5 | 17.4 | 29,973.4 | 35,206.6 | 5,233.2 | 17.5 | -184.2 | -191.4 | -7.2 | 3.9 |
| 3.4. BEST | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 4. Posición con bancos y financieras en M/E | -12,721.8 | -11,856.4 | 865.4 | -6.8 | 13,194.2 | 12,165.9 | -1,028.3 | -7.8 | 472.4 | 309.5 | -162.9 | -34.5 |
| 4.1 Crédito a bancos y financieras | 0.0 | 0.0 | 0.0 | 0.0 | 481.6 | 381.9 | -99.7 | -20.7 | 481.6 | 381.9 | -99.7 | -20.7 |
| 4.2 Encaje | -12,721.8 | -11,856.4 | 865.4 | -6.8 | 12,712.5 | 11,783.9 | -928.6 | -7.3 | -9.2 | -72.4 | -63.2 | 687.0 |
| 4.2.1 Depósitos no remunerados | -12,272.6 | -11,397.4 | 875.2 | -7.1 | 12,263.4 | 11,325.0 | -938.4 | -7.7 | -9.2 | -72.4 | -63.2 | 687.0 |
| 4.2.2 Depósitos remunerados | -449.1 | -459.0 | -9.9 | 2.2 | 449.1 | 459.0 | 9.9 | 2.2 | 0.0 | 0.0 | 0.0 | 0.0 |
| 4.3 Operaciones 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 |
| 4.4 BEST | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 5. Otros Activos Netos | 11,867.7 | 9,401.3 | -2,466.4 | -20.8 | -68,594.1 | -71,662.3 | -3,068.2 | 4.5 | -56,726.4 | -62,261.0 | -5,534.6 | 9.8 |
| 6. Obligaciones de 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 |
| 7. BEST sector no bancario | 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. Operaciones de estabilización sector no bancario | -33,057.7 | -36,866.3 | -3,808.6 | 11.5 | 0.0 | 0.0 | 0.0 | 0.0 | -33,057.7 | -36,866.3 | -3,808.6 | 11.5 |
| 8.1 En moneda nacional | -33,057.7 | -36,866.3 | -3,808.6 | 11.5 | 0.0 | 0.0 | 0.0 | 0.0 | -33,057.7 | -36,866.3 | -3,808.6 | 11.5 |
| 8.2 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 |
| III. OBLIGACIONES MONETARIAS | 112,141.8 | 112,855.0 | 713.2 | 0.6 | 434,859.2 | 467,385.7 | 32,526.5 | 7.5 | 535,859.7 | 570,854.8 | 34,995.1 | 6.5 |
| IV. EMISIÓN MONETARIA | 112,141.8 | 112,855.0 | 713.2 | 0.6 | 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. Caja de bancos y financieras | 11,141.3 | 9,385.9 | -1,755.4 | -15.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| V. 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 |
| VI. 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 |
| VII. 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 |
| VIII. 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 |
| IX. 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 |
| X. 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 |
| X. 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 | -.- | -.- | -.- | -.- |