| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 2 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO EMISIÓN ACUMULADO SEMANAL | ||||||||||||
| Del 31 de diciembre de 2024 al 20 de noviembre de 2025 | ||||||||||||
| - Millones de Quetzales - | ||||||||||||
| Tipo de cambio: | 7.655280 | |||||||||||
| BANCO DE GUATEMALA | BANCOS DEL SISTEMA | PANORAMA MONETARIO | ||||||||||
| Concepto | VARIACIÓN | VARIACIÓN | VARIACIÓN | |||||||||
| 31/12/2024 | 20/11/2025 | ABSOLUTA | RELATIVA | 31/12/2024 | 20/11/2025 | ABSOLUTA | RELATIVA | 31/12/2024 | 20/11/2025 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 186,954.5 | 244,594.2 | 57,639.7 | 30.8 | -35,975.5 | -46,500.0 | -10,524.5 | 29.3 | 150,979.0 | 198,094.2 | 47,115.2 | 31.2 |
| 1. Activo externo 1/ | 186,954.5 | 244,594.2 | 57,639.7 | 30.8 | 8,955.6 | 7,369.9 | -1,585.7 | -17.7 | 195,910.2 | 251,964.0 | 56,053.8 | 28.6 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -44,931.2 | -53,869.8 | -8,938.6 | 19.9 | -44,931.2 | -53,869.8 | -8,938.6 | 19.9 |
| II. ACTIVOS INTERNOS NETOS | -88,743.3 | -140,218.8 | -51,475.5 | 58.0 | 419,498.4 | 466,363.1 | 46,864.7 | 11.2 | 321,394.7 | 316,917.0 | -4,477.7 | -1.4 |
| 1. Posición neta con el sector público | -12,044.2 | -28,187.1 | -16,142.9 | 134.0 | 23,231.0 | 29,424.4 | 6,193.4 | 26.7 | 11,186.8 | 1,237.3 | -9,949.5 | -88.9 |
| 2. Crédito al sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 380,321.9 | 407,044.1 | 26,722.2 | 7.0 | 380,321.9 | 407,044.1 | 26,722.2 | 7.0 |
| 2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 280,283.0 | 300,132.9 | 19,849.9 | 7.1 | 280,283.0 | 300,132.9 | 19,849.9 | 7.1 |
| 2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 100,038.9 | 106,911.1 | 6,872.2 | 6.9 | 100,038.9 | 106,911.1 | 6,872.2 | 6.9 |
| 3. Posición con bancos y financieras en M/N | -70,797.7 | -80,189.0 | -9,391.3 | 13.3 | 80,578.6 | 89,874.8 | 9,296.2 | 11.5 | 420.5 | 458.4 | 37.9 | 9.0 |
| 3.1. Crédito a bancos y financieras | 2,058.1 | 2,058.1 | 0.0 | 0.0 | -1,445.3 | -1,240.4 | 204.9 | -14.2 | 612.8 | 817.7 | 204.9 | 33.4 |
| 3.2. Encaje | -48,424.6 | -51,026.6 | -2,602.0 | 5.4 | 57,765.7 | 60,240.5 | 2,474.8 | 4.3 | -19.3 | -13.3 | 6.0 | -31.1 |
| 3.2.1. Depósitos no remunerados | -46,245.4 | -48,645.5 | -2,400.1 | 5.2 | 55,586.5 | 57,859.5 | 2,273.0 | 4.1 | -19.3 | -13.3 | 6.0 | -31.1 |
| 3.2.2. Depósitos remunerados | -2,179.2 | -2,381.1 | -201.9 | 9.3 | 2,179.2 | 2,381.1 | 201.9 | 9.3 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3.3. Operaciones de estabilización | -24,431.2 | -31,220.5 | -6,789.3 | 27.8 | 24,258.2 | 30,874.6 | 6,616.4 | 27.3 | -172.9 | -345.9 | -173.0 | 100.1 |
| 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 | -10,383.9 | -11,871.0 | -1,487.1 | 14.3 | 10,860.8 | 12,344.3 | 1,483.5 | 13.7 | 476.9 | 473.3 | -3.6 | -0.8 |
| 4.1 Crédito a bancos y financieras | 0.0 | 0.0 | 0.0 | 0.0 | 484.8 | 481.1 | -3.7 | -0.8 | 484.8 | 481.1 | -3.7 | -0.8 |
| 4.2 Encaje | -10,383.9 | -11,871.0 | -1,487.1 | 14.3 | 10,376.0 | 11,863.2 | 1,487.2 | 14.3 | -7.9 | -7.9 | 0.0 | 0.0 |
| 4.2.1 Depósitos no remunerados | -9,957.3 | -11,420.5 | -1,463.2 | 14.7 | 9,949.4 | 11,412.6 | 1,463.2 | 14.7 | -7.9 | -7.9 | 0.0 | 0.0 |
| 4.2.2 Depósitos remunerados | -426.6 | -450.5 | -23.9 | 5.6 | 426.6 | 450.5 | 23.9 | 5.6 | 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 | 27,365.5 | 10,273.1 | -17,092.4 | -62.5 | -71,684.4 | -68,162.9 | 3,521.5 | -4.9 | -44,318.9 | -57,889.8 | -13,570.9 | 30.6 |
| 6. Obligaciones de mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -3,809.5 | -4,161.6 | -352.1 | 9.2 | -3,809.5 | -4,161.6 | -352.1 | 9.2 |
| 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 | -22,883.0 | -30,244.7 | -7,361.7 | 32.2 | 0.0 | 0.0 | 0.0 | 0.0 | -22,883.0 | -30,244.7 | -7,361.7 | 32.2 |
| 8.1 En moneda nacional | -22,883.0 | -30,244.7 | -7,361.7 | 32.2 | 0.0 | 0.0 | 0.0 | 0.0 | -22,883.0 | -30,244.7 | -7,361.7 | 32.2 |
| 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 | 98,211.2 | 104,375.3 | 6,164.1 | 6.3 | 383,522.9 | 419,863.1 | 36,340.2 | 9.5 | 472,373.7 | 515,011.1 | 42,637.4 | 9.0 |
| IV. EMISIÓN MONETARIA | 98,211.2 | 104,375.3 | 6,164.1 | 6.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 88,850.8 | 95,148.0 | 6,297.2 | 7.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2. Caja de bancos y financieras | 9,360.4 | 9,227.3 | -133.1 | -1.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| V. MEDIO CIRCULANTE EN MONEDA NACIONAL | 88,850.8 | 95,148.0 | 6,297.2 | 7.1 | 103,388.7 | 104,714.0 | 1,325.3 | 1.3 | 192,239.6 | 199,862.0 | 7,622.4 | 4.0 |
| 1. Numerario en circulación | 88,850.8 | 95,148.0 | 6,297.2 | 7.1 | 0.0 | 0.0 | 0.0 | 0.0 | 88,850.8 | 95,148.0 | 6,297.2 | 7.1 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 103,388.7 | 104,714.0 | 1,325.3 | 1.3 | 103,388.7 | 104,714.0 | 1,325.3 | 1.3 |
| VI. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 202,863.9 | 231,703.6 | 28,839.7 | 14.2 | 202,863.9 | 231,703.6 | 28,839.7 | 14.2 |
| VII. MEDIOS DE PAGO EN MONEDA NACIONAL | 88,850.8 | 95,148.0 | 6,297.2 | 7.1 | 306,252.6 | 336,417.5 | 30,164.9 | 9.8 | 395,103.5 | 431,565.5 | 36,462.0 | 9.2 |
| VIII. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 30,134.6 | 32,278.0 | 2,143.4 | 7.1 | 30,134.6 | 32,278.0 | 2,143.4 | 7.1 |
| IX. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 47,135.7 | 51,167.6 | 4,031.9 | 8.6 | 47,135.7 | 51,167.6 | 4,031.9 | 8.6 |
| X. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 77,270.3 | 83,445.6 | 6,175.3 | 8.0 | 77,270.3 | 83,445.6 | 6,175.3 | 8.0 |
| X. MEDIOS DE PAGO TOTALES | 88,850.8 | 95,148.0 | 6,297.2 | 7.1 | 383,522.9 | 419,863.1 | 36,340.2 | 9.5 | 472,373.7 | 515,011.1 | 42,637.4 | 9.0 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 562.9 | 663.9 | 101.0 | 17.9 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 251.3 | 1,025.6 | 774.3 | 308.1 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 4,491.6 | 7,179.4 | 2,687.8 | 59.8 | -.- | -.- | -.- | -.- |