| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 2 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO EMISIÓN ACUMULADO SEMANAL | ||||||||||||
| Del 31 de diciembre de 2025 al 2 de abril de 2026 | ||||||||||||
| - Millones de Quetzales - | ||||||||||||
| Tipo de cambio: | 7.641210 | |||||||||||
| BANCO DE GUATEMALA | BANCOS DEL SISTEMA | PANORAMA MONETARIO | ||||||||||
| Concepto | VARIACIÓN | VARIACIÓN | VARIACIÓN | |||||||||
| 31/12/2025 | 2/4/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 2/4/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 2/4/2026 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 250,148.7 | 253,655.6 | 3,506.9 | 1.4 | -47,580.3 | -42,960.5 | 4,619.8 | -9.7 | 202,568.3 | 210,695.2 | 8,126.9 | 4.0 |
| 1. Activo externo 1/ | 250,148.7 | 253,655.6 | 3,506.9 | 1.4 | 8,221.3 | 11,618.9 | 3,397.6 | 41.3 | 258,369.9 | 265,274.6 | 6,904.7 | 2.7 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -55,801.6 | -54,579.4 | 1,222.2 | -2.2 | -55,801.6 | -54,579.4 | 1,222.2 | -2.2 |
| II. ACTIVOS INTERNOS NETOS | -138,006.8 | -141,315.3 | -3,308.5 | 2.4 | 482,439.5 | 490,382.2 | 7,942.7 | 1.6 | 333,291.4 | 338,057.7 | 4,766.3 | 1.4 |
| 1. Posición neta con el sector público | -17,119.7 | -16,566.6 | 553.1 | -3.2 | 34,243.3 | 34,315.0 | 71.7 | 0.2 | 17,123.7 | 17,748.4 | 624.7 | 3.6 |
| 2. Crédito al sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 409,087.1 | 416,627.4 | 7,540.3 | 1.8 | 409,087.1 | 416,627.4 | 7,540.3 | 1.8 |
| 2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 302,445.3 | 307,650.5 | 5,205.2 | 1.7 | 302,445.3 | 307,650.5 | 5,205.2 | 1.7 |
| 2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 106,641.8 | 108,976.9 | 2,335.1 | 2.2 | 106,641.8 | 108,976.9 | 2,335.1 | 2.2 |
| 3. Posición con bancos y financieras en M/N | -86,944.9 | -86,033.1 | 911.8 | -1.0 | 98,689.1 | 97,650.8 | -1,038.3 | -1.1 | 602.8 | 608.5 | 5.7 | 0.9 |
| 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 | -55,135.4 | 3,710.0 | -6.3 | 69,956.0 | 66,122.0 | -3,834.0 | -5.5 | -30.7 | -22.6 | 8.1 | -26.4 |
| 3.2.1. Depósitos no remunerados | -56,384.1 | -52,633.8 | 3,750.3 | -6.7 | 67,494.7 | 63,620.4 | -3,874.3 | -5.7 | -30.7 | -22.6 | 8.1 | -26.4 |
| 3.2.2. Depósitos remunerados | -2,461.3 | -2,501.6 | -40.3 | 1.6 | 2,461.3 | 2,501.6 | 40.3 | 1.6 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3.3. Operaciones de estabilización | -30,157.6 | -32,955.7 | -2,798.1 | 9.3 | 29,973.4 | 32,769.2 | 2,795.8 | 9.3 | -184.2 | -186.5 | -2.3 | 1.2 |
| 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 | -12,723.3 | -12,226.6 | 496.7 | -3.9 | 13,195.7 | 12,678.8 | -516.9 | -3.9 | 472.4 | 452.2 | -20.2 | -4.3 |
| 4.1 Crédito a bancos y financieras | 0.0 | 0.0 | 0.0 | 0.0 | 481.6 | 461.0 | -20.6 | -4.3 | 481.6 | 461.0 | -20.6 | -4.3 |
| 4.2 Encaje | -12,723.3 | -12,226.6 | 496.7 | -3.9 | 12,714.1 | 12,217.7 | -496.4 | -3.9 | -9.2 | -8.9 | 0.3 | -3.3 |
| 4.2.1 Depósitos no remunerados | -12,274.1 | -11,755.7 | 518.4 | -4.2 | 12,264.9 | 11,746.9 | -518.0 | -4.2 | -9.2 | -8.9 | 0.3 | -3.3 |
| 4.2.2 Depósitos remunerados | -449.2 | -470.9 | -21.7 | 4.8 | 449.2 | 470.9 | 21.7 | 4.8 | 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 | 11,838.8 | 8,384.2 | -3,454.6 | -29.2 | -68,595.6 | -66,938.1 | 1,657.5 | -2.4 | -56,756.9 | -58,553.9 | -1,797.0 | 3.2 |
| 6. Obligaciones de mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -4,180.1 | -3,951.6 | 228.5 | -5.5 | -4,180.1 | -3,951.6 | 228.5 | -5.5 |
| 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 | -34,873.3 | -1,815.6 | 5.5 | 0.0 | 0.0 | 0.0 | 0.0 | -33,057.7 | -34,873.3 | -1,815.6 | 5.5 |
| 8.1 En moneda nacional | -33,057.7 | -34,873.3 | -1,815.6 | 5.5 | 0.0 | 0.0 | 0.0 | 0.0 | -33,057.7 | -34,873.3 | -1,815.6 | 5.5 |
| 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 | 112,340.3 | 198.5 | 0.2 | 434,859.2 | 447,421.8 | 12,562.6 | 2.9 | 535,859.7 | 548,752.9 | 12,893.2 | 2.4 |
| IV. EMISIÓN MONETARIA | 112,141.8 | 112,340.3 | 198.5 | 0.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 101,000.5 | 101,331.1 | 330.6 | 0.3 | 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 | 11,009.2 | -132.1 | -1.2 | 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 | 101,331.1 | 330.6 | 0.3 | 115,387.0 | 114,032.6 | -1,354.4 | -1.2 | 216,387.4 | 215,363.7 | -1,023.7 | -0.5 |
| 1. Numerario en circulación | 101,000.5 | 101,331.1 | 330.6 | 0.3 | 0.0 | 0.0 | 0.0 | 0.0 | 101,000.5 | 101,331.1 | 330.6 | 0.3 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 115,387.0 | 114,032.6 | -1,354.4 | -1.2 | 115,387.0 | 114,032.6 | -1,354.4 | -1.2 |
| VI. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 238,267.9 | 245,859.9 | 7,592.0 | 3.2 | 238,267.9 | 245,859.9 | 7,592.0 | 3.2 |
| VII. MEDIOS DE PAGO EN MONEDA NACIONAL | 101,000.5 | 101,331.1 | 330.6 | 0.3 | 353,654.9 | 359,892.6 | 6,237.7 | 1.8 | 454,655.4 | 461,223.6 | 6,568.2 | 1.4 |
| VIII. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 30,182.5 | 32,327.0 | 2,144.5 | 7.1 | 30,182.5 | 32,327.0 | 2,144.5 | 7.1 |
| IX. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 51,021.8 | 55,202.2 | 4,180.4 | 8.2 | 51,021.8 | 55,202.2 | 4,180.4 | 8.2 |
| X. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 81,204.3 | 87,529.2 | 6,324.9 | 7.8 | 81,204.3 | 87,529.2 | 6,324.9 | 7.8 |
| X. MEDIOS DE PAGO TOTALES | 101,000.5 | 101,331.1 | 330.6 | 0.3 | 434,859.2 | 447,421.8 | 12,562.6 | 2.9 | 535,859.7 | 548,752.8 | 12,893.1 | 2.4 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 616.0 | 729.6 | 113.6 | 18.4 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 1,172.7 | 1,353.2 | 180.5 | 15.4 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 7,385.3 | 11,731.3 | 4,346.0 | 58.8 | -.- | -.- | -.- | -.- |