| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 2 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO EMISIÓN ACUMULADO SEMANAL | ||||||||||||
| Del 31 de diciembre de 2025 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 | |||||||||
| 31/12/2025 | 19/2/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 19/2/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 19/2/2026 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 250,947.4 | 251,361.9 | 414.5 | 0.2 | -47,580.3 | -39,300.3 | 8,280.0 | -17.4 | 203,367.1 | 212,061.6 | 8,694.5 | 4.3 |
| 1. Activo externo 1/ | 250,947.4 | 251,361.9 | 414.5 | 0.2 | 8,221.3 | 14,500.9 | 6,279.6 | 76.4 | 259,168.7 | 265,862.7 | 6,694.0 | 2.6 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -55,801.6 | -53,801.1 | 2,000.5 | -3.6 | -55,801.6 | -53,801.1 | 2,000.5 | -3.6 |
| II. ACTIVOS INTERNOS NETOS | -138,805.6 | -142,362.9 | -3,557.3 | 2.6 | 482,439.5 | 479,867.1 | -2,572.4 | -0.5 | 332,492.6 | 327,520.2 | -4,972.4 | -1.5 |
| 1. Posición neta con el sector público | -17,119.7 | -18,471.6 | -1,351.9 | 7.9 | 34,243.3 | 32,048.8 | -2,194.5 | -6.4 | 17,123.7 | 13,577.2 | -3,546.5 | -20.7 |
| 2. Crédito al sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 409,087.1 | 411,655.5 | 2,568.4 | 0.6 | 409,087.1 | 411,655.5 | 2,568.4 | 0.6 |
| 2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 302,445.3 | 303,924.8 | 1,479.5 | 0.5 | 302,445.3 | 303,924.8 | 1,479.5 | 0.5 |
| 2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 106,641.8 | 107,730.7 | 1,088.9 | 1.0 | 106,641.8 | 107,730.7 | 1,088.9 | 1.0 |
| 3. Posición con bancos y financieras en M/N | -86,944.9 | -86,685.2 | 259.7 | -0.3 | 98,689.1 | 97,287.0 | -1,402.1 | -1.4 | 602.8 | 617.8 | 15.0 | 2.5 |
| 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 | -51,487.8 | 7,357.6 | -12.5 | 69,956.0 | 61,457.4 | -8,498.6 | -12.1 | -30.7 | -14.4 | 16.3 | -53.1 |
| 3.2.1. Depósitos no remunerados | -56,384.1 | -49,021.2 | 7,362.9 | -13.1 | 67,494.7 | 58,990.8 | -8,503.9 | -12.6 | -30.7 | -14.4 | 16.3 | -53.1 |
| 3.2.2. Depósitos remunerados | -2,461.3 | -2,466.6 | -5.3 | 0.2 | 2,461.3 | 2,466.6 | 5.3 | 0.2 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3.3. Operaciones de estabilización | -30,157.6 | -37,255.4 | -7,097.8 | 23.5 | 29,973.4 | 37,070.0 | 7,096.6 | 23.7 | -184.2 | -185.4 | -1.2 | 0.7 |
| 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 | -12,763.9 | -10,557.8 | 2,206.1 | -17.3 | 13,236.3 | 10,932.4 | -2,303.9 | -17.4 | 472.4 | 374.6 | -97.8 | -20.7 |
| 4.1 Crédito a bancos y financieras | 0.0 | 0.0 | 0.0 | 0.0 | 481.6 | 383.3 | -98.3 | -20.4 | 481.6 | 383.3 | -98.3 | -20.4 |
| 4.2 Encaje | -12,763.9 | -10,557.8 | 2,206.1 | -17.3 | 12,754.7 | 10,549.1 | -2,205.6 | -17.3 | -9.2 | -8.7 | 0.5 | -5.4 |
| 4.2.1 Depósitos no remunerados | -12,313.3 | -10,105.8 | 2,207.5 | -17.9 | 12,304.1 | 10,097.1 | -2,207.0 | -17.9 | -9.2 | -8.7 | 0.5 | -5.4 |
| 4.2.2 Depósitos remunerados | -450.6 | -452.0 | -1.4 | 0.3 | 450.6 | 452.0 | 1.4 | 0.3 | 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 | 11,080.6 | 6,182.6 | -4,898.0 | -44.2 | -68,636.2 | -68,472.5 | 163.7 | -0.2 | -57,555.6 | -62,289.9 | -4,734.3 | 8.2 |
| 6. Obligaciones de mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -4,180.1 | -3,584.1 | 596.0 | -14.3 | -4,180.1 | -3,584.1 | 596.0 | -14.3 |
| 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 | -32,831.0 | 226.7 | -0.7 | 0.0 | 0.0 | 0.0 | 0.0 | -33,057.7 | -32,831.0 | 226.7 | -0.7 |
| 8.1 En moneda nacional | -33,057.7 | -32,831.0 | 226.7 | -0.7 | 0.0 | 0.0 | 0.0 | 0.0 | -33,057.7 | -32,831.0 | 226.7 | -0.7 |
| 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 | 108,999.0 | -3,142.8 | -2.8 | 434,859.2 | 440,566.8 | 5,707.6 | 1.3 | 535,859.7 | 539,581.8 | 3,722.1 | 0.7 |
| IV. EMISIÓN MONETARIA | 112,141.8 | 108,999.0 | -3,142.8 | -2.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 101,000.5 | 99,015.0 | -1,985.5 | -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 | 9,984.0 | -1,157.3 | -10.4 | 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 | 99,015.0 | -1,985.5 | -2.0 | 115,387.0 | 112,414.8 | -2,972.2 | -2.6 | 216,387.4 | 211,429.8 | -4,957.6 | -2.3 |
| 1. Numerario en circulación | 101,000.5 | 99,015.0 | -1,985.5 | -2.0 | 0.0 | 0.0 | 0.0 | 0.0 | 101,000.5 | 99,015.0 | -1,985.5 | -2.0 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 115,387.0 | 112,414.8 | -2,972.2 | -2.6 | 115,387.0 | 112,414.8 | -2,972.2 | -2.6 |
| VI. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 238,267.9 | 240,322.0 | 2,054.1 | 0.9 | 238,267.9 | 240,322.0 | 2,054.1 | 0.9 |
| VII. MEDIOS DE PAGO EN MONEDA NACIONAL | 101,000.5 | 99,015.0 | -1,985.5 | -2.0 | 353,654.9 | 352,736.8 | -918.1 | -0.3 | 454,655.4 | 451,751.8 | -2,903.6 | -0.6 |
| VIII. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 30,182.5 | 33,150.1 | 2,967.6 | 9.8 | 30,182.5 | 33,150.1 | 2,967.6 | 9.8 |
| IX. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 51,021.8 | 54,679.9 | 3,658.1 | 7.2 | 51,021.8 | 54,679.9 | 3,658.1 | 7.2 |
| X. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 81,204.3 | 87,830.0 | 6,625.7 | 8.2 | 81,204.3 | 87,830.0 | 6,625.7 | 8.2 |
| X. MEDIOS DE PAGO TOTALES | 101,000.5 | 99,015.0 | -1,985.5 | -2.0 | 434,859.2 | 440,566.8 | 5,707.6 | 1.3 | 535,859.7 | 539,581.8 | 3,722.1 | 0.7 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 616.0 | 773.7 | 157.7 | 25.6 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 1,172.7 | 1,252.0 | 79.3 | 6.8 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 7,385.3 | 11,577.3 | 4,192.0 | 56.8 | -.- | -.- | -.- | -.- |