| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 2 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO EMISIÓN ACUMULADO SEMANAL | ||||||||||||
| Del 31 de diciembre de 2025 al 25 de junio de 2026 | ||||||||||||
| - Millones de Quetzales - | ||||||||||||
| Tipo de cambio: | 7.623130 | |||||||||||
| BANCO DE GUATEMALA | BANCOS DEL SISTEMA | PANORAMA MONETARIO | ||||||||||
| Concepto | VARIACIÓN | VARIACIÓN | VARIACIÓN | |||||||||
| 31/12/2025 | 25/6/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 25/6/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 25/6/2026 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 249,556.8 | 251,594.0 | 2,037.2 | 0.8 | -47,580.3 | -41,375.9 | 6,204.4 | -13.0 | 201,976.5 | 210,218.2 | 8,241.7 | 4.1 |
| 1. Activo externo 1/ | 249,556.8 | 251,594.0 | 2,037.2 | 0.8 | 8,221.3 | 11,131.4 | 2,910.1 | 35.4 | 257,778.1 | 262,725.4 | 4,947.3 | 1.9 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -55,801.6 | -52,507.2 | 3,294.4 | -5.9 | -55,801.6 | -52,507.2 | 3,294.4 | -5.9 |
| II. ACTIVOS INTERNOS NETOS | -137,415.0 | -139,287.9 | -1,872.9 | 1.4 | 482,439.5 | 500,589.6 | 18,150.1 | 3.8 | 333,883.3 | 349,957.9 | 16,074.6 | 4.8 |
| 1. Posición neta con el sector público | -17,119.7 | -12,935.2 | 4,184.5 | -24.4 | 34,243.3 | 37,012.2 | 2,768.9 | 8.1 | 17,123.7 | 24,077.0 | 6,953.3 | 40.6 |
| 2. Crédito al sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 409,087.1 | 423,139.0 | 14,051.9 | 3.4 | 409,087.1 | 423,139.0 | 14,051.9 | 3.4 |
| 2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 302,445.3 | 312,713.3 | 10,268.0 | 3.4 | 302,445.3 | 312,713.3 | 10,268.0 | 3.4 |
| 2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 106,641.8 | 110,425.7 | 3,783.9 | 3.5 | 106,641.8 | 110,425.7 | 3,783.9 | 3.5 |
| 3. Posición con bancos y financieras en M/N | -86,944.9 | -90,742.4 | -3,797.5 | 4.4 | 98,689.1 | 102,701.4 | 4,012.3 | 4.1 | 602.8 | 615.3 | 12.5 | 2.1 |
| 3.1. Crédito a bancos y financieras | 2,058.1 | 2,058.1 | 0.0 | 0.0 | -1,240.4 | -1,240.4 | 0.0 | 0.0 | 817.7 | 817.7 | 0.0 | 0.0 |
| 3.2. Encaje | -58,845.4 | -55,161.2 | 3,684.2 | -6.3 | 69,956.0 | 66,491.3 | -3,464.7 | -5.0 | -30.7 | -13.6 | 17.1 | -55.7 |
| 3.2.1. Depósitos no remunerados | -56,384.1 | -52,605.1 | 3,779.0 | -6.7 | 67,494.7 | 63,935.2 | -3,559.5 | -5.3 | -30.7 | -13.6 | 17.1 | -55.7 |
| 3.2.2. Depósitos remunerados | -2,461.3 | -2,556.1 | -94.8 | 3.9 | 2,461.3 | 2,556.1 | 94.8 | 3.9 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3.3. Operaciones de estabilización | -30,157.6 | -37,639.3 | -7,481.7 | 24.8 | 29,973.4 | 37,450.5 | 7,477.1 | 24.9 | -184.2 | -188.8 | -4.6 | 2.5 |
| 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 | -12,693.2 | -10,476.4 | 2,216.8 | -17.5 | 13,165.7 | 10,926.4 | -2,239.3 | -17.0 | 472.5 | 450.0 | -22.5 | -4.8 |
| 4.1 Crédito a bancos y financieras | 0.0 | 0.0 | 0.0 | 0.0 | 481.6 | 459.6 | -22.0 | -4.6 | 481.6 | 459.6 | -22.0 | -4.6 |
| 4.2 Encaje | -12,693.2 | -10,476.4 | 2,216.8 | -17.5 | 12,684.0 | 10,466.8 | -2,217.2 | -17.5 | -9.2 | -9.7 | -0.5 | 5.4 |
| 4.2.1 Depósitos no remunerados | -12,245.1 | -10,022.4 | 2,222.7 | -18.2 | 12,235.9 | 10,012.8 | -2,223.1 | -18.2 | -9.2 | -9.7 | -0.5 | 5.4 |
| 4.2.2 Depósitos remunerados | -448.1 | -454.0 | -5.9 | 1.3 | 448.1 | 454.0 | 5.9 | 1.3 | 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 | 12,400.5 | 10,335.9 | -2,064.6 | -16.6 | -68,565.6 | -68,995.9 | -430.3 | 0.6 | -56,165.0 | -58,660.0 | -2,495.0 | 4.4 |
| 6. Obligaciones de mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -4,180.1 | -4,193.5 | -13.4 | 0.3 | -4,180.1 | -4,193.5 | -13.4 | 0.3 |
| 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 | -35,469.8 | -2,412.1 | 7.3 | 0.0 | 0.0 | 0.0 | 0.0 | -33,057.7 | -35,469.8 | -2,412.1 | 7.3 |
| 8.1 En moneda nacional | -33,057.7 | -35,469.8 | -2,412.1 | 7.3 | 0.0 | 0.0 | 0.0 | 0.0 | -33,057.7 | -35,469.8 | -2,412.1 | 7.3 |
| 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 | 112,306.1 | 164.3 | 0.1 | 434,859.2 | 459,213.7 | 24,354.5 | 5.6 | 535,859.7 | 560,176.1 | 24,316.4 | 4.5 |
| IV. EMISIÓN MONETARIA | 112,141.8 | 112,306.1 | 164.3 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 101,000.5 | 100,962.4 | -38.1 | 0.0 | 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 | 11,343.7 | 202.4 | 1.8 | 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 | 100,962.4 | -38.1 | 0.0 | 115,387.0 | 120,172.6 | 4,785.6 | 4.1 | 216,387.4 | 221,134.9 | 4,747.5 | 2.2 |
| 1. Numerario en circulación | 101,000.5 | 100,962.4 | -38.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 101,000.5 | 100,962.4 | -38.1 | 0.0 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 115,387.0 | 120,172.6 | 4,785.6 | 4.1 | 115,387.0 | 120,172.6 | 4,785.6 | 4.1 |
| VI. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 238,267.9 | 251,448.2 | 13,180.3 | 5.5 | 238,267.9 | 251,448.2 | 13,180.3 | 5.5 |
| VII. MEDIOS DE PAGO EN MONEDA NACIONAL | 101,000.5 | 100,962.4 | -38.1 | 0.0 | 353,654.9 | 371,620.8 | 17,965.9 | 5.1 | 454,655.4 | 472,583.1 | 17,927.7 | 3.9 |
| VIII. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 30,182.5 | 31,411.1 | 1,228.6 | 4.1 | 30,182.5 | 31,411.1 | 1,228.6 | 4.1 |
| IX. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 51,021.8 | 56,181.9 | 5,160.1 | 10.1 | 51,021.8 | 56,181.9 | 5,160.1 | 10.1 |
| X. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 81,204.3 | 87,592.9 | 6,388.6 | 7.9 | 81,204.3 | 87,592.9 | 6,388.6 | 7.9 |
| X. MEDIOS DE PAGO TOTALES | 101,000.5 | 100,962.4 | -38.1 | 0.0 | 434,859.2 | 459,213.7 | 24,354.5 | 5.6 | 535,859.7 | 560,176.1 | 24,316.4 | 4.5 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 616.0 | 707.9 | 91.9 | 14.9 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 1,172.7 | 1,501.0 | 328.3 | 28.0 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 7,385.3 | 11,940.3 | 4,555.0 | 61.7 | -.- | -.- | -.- | -.- |