| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 2 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO EMISIÓN ACUMULADO SEMANAL | ||||||||||||
| Del 31 de diciembre de 2025 al 6 de agosto de 2026 | ||||||||||||
| - Millones de Quetzales - | ||||||||||||
| Tipo de cambio: | 7.623940 | |||||||||||
| BANCO DE GUATEMALA | BANCOS DEL SISTEMA | PANORAMA MONETARIO | ||||||||||
| Concepto | VARIACIÓN | VARIACIÓN | VARIACIÓN | |||||||||
| 31/12/2025 | 6/8/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 6/8/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 6/8/2026 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 249,583.3 | 256,578.2 | 6,994.9 | 2.8 | -47,580.3 | -46,281.4 | 1,298.9 | -2.7 | 202,003.0 | 210,296.8 | 8,293.8 | 4.1 |
| 1. Activo externo 1/ | 249,583.3 | 256,578.2 | 6,994.9 | 2.8 | 8,221.3 | 8,320.0 | 98.7 | 1.2 | 257,804.6 | 264,898.3 | 7,093.7 | 2.8 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -55,801.6 | -54,601.5 | 1,200.1 | -2.2 | -55,801.6 | -54,601.5 | 1,200.1 | -2.2 |
| II. ACTIVOS INTERNOS NETOS | -137,441.5 | -143,770.1 | -6,328.6 | 4.6 | 482,439.5 | 504,734.0 | 22,294.5 | 4.6 | 333,856.7 | 351,137.6 | 17,280.9 | 5.2 |
| 1. Posición neta con el sector público | -17,119.7 | -15,154.8 | 1,964.9 | -11.5 | 34,243.3 | 40,550.4 | 6,307.1 | 18.4 | 17,123.7 | 25,395.6 | 8,271.9 | 48.3 |
| 2. Crédito al sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 409,087.1 | 426,755.3 | 17,668.2 | 4.3 | 409,087.1 | 426,755.3 | 17,668.2 | 4.3 |
| 2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 302,445.3 | 314,091.4 | 11,646.1 | 3.9 | 302,445.3 | 314,091.4 | 11,646.1 | 3.9 |
| 2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 106,641.8 | 112,663.9 | 6,022.1 | 5.6 | 106,641.8 | 112,663.9 | 6,022.1 | 5.6 |
| 3. Posición con bancos y financieras en M/N | -86,944.9 | -90,066.1 | -3,121.2 | 3.6 | 98,689.1 | 100,451.0 | 1,761.9 | 1.8 | 602.8 | 558.6 | -44.2 | -7.3 |
| 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 | -56,943.4 | 1,902.0 | -3.2 | 69,956.0 | 66,755.7 | -3,200.3 | -4.6 | -30.7 | -14.0 | 16.7 | -54.4 |
| 3.2.1. Depósitos no remunerados | -56,384.1 | -54,340.3 | 2,043.8 | -3.6 | 67,494.7 | 64,152.6 | -3,342.1 | -5.0 | -30.7 | -14.0 | 16.7 | -54.4 |
| 3.2.2. Depósitos remunerados | -2,461.3 | -2,603.1 | -141.8 | 5.8 | 2,461.3 | 2,603.1 | 141.8 | 5.8 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3.3. Operaciones de estabilización | -30,157.6 | -35,180.7 | -5,023.1 | 16.7 | 29,973.4 | 34,990.8 | 5,017.4 | 16.7 | -184.2 | -189.9 | -5.7 | 3.1 |
| 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 | -12,694.6 | -11,394.6 | 1,300.0 | -10.2 | 13,167.0 | 11,845.7 | -1,321.3 | -10.0 | 472.5 | 451.1 | -21.4 | -4.5 |
| 4.1 Crédito a bancos y financieras | 0.0 | 0.0 | 0.0 | 0.0 | 481.6 | 459.8 | -21.8 | -4.5 | 481.6 | 459.8 | -21.8 | -4.5 |
| 4.2 Encaje | -12,694.6 | -11,394.6 | 1,300.0 | -10.2 | 12,685.4 | 11,386.0 | -1,299.4 | -10.2 | -9.2 | -8.6 | 0.6 | -6.5 |
| 4.2.1 Depósitos no remunerados | -12,246.4 | -10,947.3 | 1,299.1 | -10.6 | 12,237.2 | 10,938.7 | -1,298.5 | -10.6 | -9.2 | -8.6 | 0.6 | -6.5 |
| 4.2.2 Depósitos remunerados | -448.2 | -447.2 | 1.0 | -0.2 | 448.2 | 447.2 | -1.0 | -0.2 | 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 | 12,375.4 | 8,944.2 | -3,431.2 | -27.7 | -68,566.9 | -70,743.9 | -2,177.0 | 3.2 | -56,191.5 | -61,799.8 | -5,608.3 | 10.0 |
| 6. Obligaciones de mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -4,180.1 | -4,124.5 | 55.6 | -1.3 | -4,180.1 | -4,124.5 | 55.6 | -1.3 |
| 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 | -36,098.8 | -3,041.1 | 9.2 | 0.0 | 0.0 | 0.0 | 0.0 | -33,057.7 | -36,098.8 | -3,041.1 | 9.2 |
| 8.1 En moneda nacional | -33,057.7 | -36,098.8 | -3,041.1 | 9.2 | 0.0 | 0.0 | 0.0 | 0.0 | -33,057.7 | -36,098.8 | -3,041.1 | 9.2 |
| 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 | 112,808.2 | 666.4 | 0.6 | 434,859.2 | 458,452.6 | 23,593.4 | 5.4 | 535,859.7 | 561,434.4 | 25,574.7 | 4.8 |
| IV. EMISIÓN MONETARIA | 112,141.8 | 112,808.2 | 666.4 | 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 | 102,981.9 | 1,981.4 | 2.0 | 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 | 9,826.3 | -1,315.0 | -11.8 | 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 | 102,981.9 | 1,981.4 | 2.0 | 115,387.0 | 115,805.6 | 418.6 | 0.4 | 216,387.4 | 218,787.5 | 2,400.1 | 1.1 |
| 1. Numerario en circulación | 101,000.5 | 102,981.9 | 1,981.4 | 2.0 | 0.0 | 0.0 | 0.0 | 0.0 | 101,000.5 | 102,981.9 | 1,981.4 | 2.0 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 115,387.0 | 115,805.6 | 418.6 | 0.4 | 115,387.0 | 115,805.6 | 418.6 | 0.4 |
| VI. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 238,267.9 | 256,518.6 | 18,250.7 | 7.7 | 238,267.9 | 256,518.6 | 18,250.7 | 7.7 |
| VII. MEDIOS DE PAGO EN MONEDA NACIONAL | 101,000.5 | 102,981.9 | 1,981.4 | 2.0 | 353,654.9 | 372,324.2 | 18,669.3 | 5.3 | 454,655.4 | 475,306.1 | 20,650.7 | 4.5 |
| VIII. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 30,182.5 | 30,405.2 | 222.7 | 0.7 | 30,182.5 | 30,405.2 | 222.7 | 0.7 |
| IX. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 51,021.8 | 55,723.2 | 4,701.4 | 9.2 | 51,021.8 | 55,723.2 | 4,701.4 | 9.2 |
| X. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 81,204.3 | 86,128.4 | 4,924.1 | 6.1 | 81,204.3 | 86,128.4 | 4,924.1 | 6.1 |
| X. MEDIOS DE PAGO TOTALES | 101,000.5 | 102,981.9 | 1,981.4 | 2.0 | 434,859.2 | 458,452.6 | 23,593.4 | 5.4 | 535,859.7 | 561,434.4 | 25,574.7 | 4.8 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 616.0 | 713.3 | 97.3 | 15.8 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 1,172.7 | 2,559.6 | 1,386.9 | 118.3 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 7,385.3 | 12,045.2 | 4,659.9 | 63.1 | -.- | -.- | -.- | -.- |