| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 3 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO BASE SEMANAL | ||||||||||||
| Del 12 al 19 de febrero de 2026 | ||||||||||||
| - Millones de Quetzales - | ||||||||||||
| Tipo de cambio: | 7.665610 | |||||||||||
| BANCO DE GUATEMALA | BANCOS DEL SISTEMA | PANORAMA MONETARIO | ||||||||||
| Concepto | VARIACIÓN | VARIACIÓN | VARIACIÓN | |||||||||
| 12/2/2026 | 19/2/2026 | ABSOLUTA | RELATIVA | 12/2/2026 | 19/2/2026 | ABSOLUTA | RELATIVA | 12/2/2026 | 19/2/2026 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 252,591.9 | 251,361.9 | -1,230.0 | -0.5 | -41,046.3 | -39,300.3 | 1,746.0 | -4.3 | 211,545.6 | 212,061.6 | 516.0 | 0.2 |
| 1. Activo externo 1/ | 252,591.9 | 251,361.9 | -1,230.0 | -0.5 | 12,987.7 | 14,500.9 | 1,513.2 | 11.7 | 265,579.6 | 265,862.7 | 283.1 | 0.1 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -54,034.0 | -53,801.1 | 232.9 | -0.4 | -54,034.0 | -53,801.1 | 232.9 | -0.4 |
| II. ACTIVOS INTERNOS NETOS | -79,712.2 | -80,317.2 | -605.0 | 0.8 | 482,712.5 | 479,867.1 | -2,845.4 | -0.6 | 328,689.5 | 327,520.1 | -1,169.4 | -0.4 |
| 1. Actividad crediticia | -16,064.7 | -16,413.5 | -348.8 | 2.2 | 443,773.3 | 442,847.2 | -926.1 | -0.2 | 427,708.6 | 426,433.7 | -1,274.9 | -0.3 |
| 1.1 Al Sector público neto | -18,122.8 | -18,471.6 | -348.8 | 1.9 | 34,392.4 | 32,048.8 | -2,343.6 | -6.8 | 16,269.6 | 13,577.2 | -2,692.4 | -16.5 |
| 1.2 Al Sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 410,237.5 | 411,655.5 | 1,418.0 | 0.3 | 410,237.5 | 411,655.5 | 1,418.0 | 0.3 |
| 1.2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 303,344.2 | 303,924.8 | 580.6 | 0.2 | 303,344.2 | 303,924.8 | 580.6 | 0.2 |
| 1.2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 106,893.3 | 107,730.7 | 837.4 | 0.8 | 106,893.3 | 107,730.7 | 837.4 | 0.8 |
| 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 | 1,194.6 | 1,194.1 | -0.5 | 0.0 | 1,201.5 | 1,201.0 | -0.5 | 0.0 |
| 1.4.1 En moneda nacional | 6.9 | 6.9 | 0.0 | 0.0 | 811.2 | 810.7 | -0.5 | -0.1 | 818.2 | 817.7 | -0.5 | -0.1 |
| 1.4.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 383.3 | 383.3 | 0.0 | 0.0 | 383.3 | 383.3 | 0.0 | 0.0 |
| 2. Encaje en moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 63,112.1 | 61,457.4 | -1,654.7 | -2.6 | -13.6 | -14.5 | -0.9 | 6.6 |
| 3. Encaje en moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 11,175.4 | 10,549.1 | -626.3 | -5.6 | -9.7 | -8.7 | 1.0 | -10.3 |
| 4. Otros Activos Netos | 6,158.0 | 6,182.7 | 24.7 | 0.4 | -68,106.1 | -68,472.5 | -366.4 | 0.5 | -61,948.1 | -62,289.8 | -341.7 | 0.6 |
| 5. Obligaciones mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -3,744.2 | -3,584.1 | 160.1 | -4.3 | -3,744.2 | -3,584.1 | 160.1 | -4.3 |
| 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 | -69,805.5 | -70,086.4 | -280.9 | 0.4 | 36,502.0 | 37,070.0 | 568.0 | 1.6 | -33,303.5 | -33,016.4 | 287.1 | -0.9 |
| 7.1 Con entidades públicas | -28,005.0 | -27,711.2 | 293.8 | -1.0 | 0.0 | 0.0 | 0.0 | 0.0 | -28,005.0 | -27,711.2 | 293.8 | -1.0 |
| 7.2 Otros inversionistas | -41,800.5 | -42,375.2 | -574.7 | 1.4 | 36,502.0 | 37,070.0 | 568.0 | 1.6 | -5,298.5 | -5,305.2 | -6.7 | 0.1 |
| 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 | 172,879.7 | 171,044.6 | -1,835.1 | -1.1 | 441,666.2 | 440,566.8 | -1,099.4 | -0.2 | 540,235.1 | 539,581.8 | -653.3 | -0.1 |
| IV. DINERO PRIMARIO | 161,694.7 | 160,486.8 | -1,207.9 | -0.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 98,568.9 | 99,015.0 | 446.1 | 0.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2. Encaje | 63,125.7 | 61,471.9 | -1,653.8 | -2.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.1 Bancario no remunerado | 60,639.3 | 58,990.8 | -1,648.5 | -2.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.2 Bancario remunerado | 2,472.8 | 2,466.6 | -6.2 | -0.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.3 Financieras | 13.7 | 14.4 | 0.7 | 5.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| V. ENCAJE EN MONEDA EXTRANJERA | 11,185.1 | 10,557.8 | -627.3 | -5.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1 Bancario no remunerado | 10,724.2 | 10,097.1 | -627.1 | -5.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2 Bancario remunerado | 451.2 | 452.0 | 0.8 | 0.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 Financieras | 9.7 | 8.7 | -1.0 | -10.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| VI. MEDIO CIRCULANTE EN MONEDA NACIONAL | 98,568.9 | 99,015.0 | 446.1 | 0.5 | 112,728.5 | 112,414.8 | -313.7 | -0.3 | 211,297.4 | 211,429.8 | 132.4 | 0.1 |
| 1. Numerario en circulación | 98,568.9 | 99,015.0 | 446.1 | 0.5 | 0.0 | 0.0 | 0.0 | 0.0 | 98,568.9 | 99,015.0 | 446.1 | 0.5 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 112,728.5 | 112,414.8 | -313.7 | -0.3 | 112,728.5 | 112,414.8 | -313.7 | -0.3 |
| VII. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 241,453.1 | 240,322.0 | -1,131.1 | -0.5 | 241,453.1 | 240,322.0 | -1,131.1 | -0.5 |
| VIII. MEDIOS DE PAGO EN MONEDA NACIONAL | 98,568.9 | 99,015.0 | 446.1 | 0.5 | 354,181.5 | 352,736.8 | -1,444.7 | -0.4 | 452,750.5 | 451,751.8 | -998.7 | -0.2 |
| IX. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 32,562.8 | 33,150.1 | 587.3 | 1.8 | 32,562.8 | 33,150.1 | 587.3 | 1.8 |
| X. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 54,921.8 | 54,679.9 | -241.9 | -0.4 | 54,921.8 | 54,679.9 | -241.9 | -0.4 |
| XI. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 87,484.6 | 87,830.0 | 345.4 | 0.4 | 87,484.6 | 87,830.0 | 345.4 | 0.4 |
| XII. MEDIOS DE PAGO TOTALES | 98,568.9 | 99,015.0 | 446.1 | 0.5 | 441,666.2 | 440,566.8 | -1,099.4 | -0.2 | 540,235.1 | 539,581.8 | -653.3 | -0.1 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 745.9 | 773.7 | 27.8 | 3.7 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 1,170.5 | 1,252.0 | 81.5 | 7.0 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 11,629.4 | 11,577.3 | -52.1 | -0.4 | -.- | -.- | -.- | -.- |