| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 4 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO EMISIÓN SEMANAL | ||||||||||||
| Del 12 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 | |||||||||
| 12/2/2026 | 19/2/2026 | ABSOLUTA | RELATIVA | 12/2/2026 | 19/2/2026 | ABSOLUTA | RELATIVA | 12/2/2026 | 19/2/2026 | ABSOLUTA | RELATIVA | |
| I. MONETIZACION EXTERNA | 252,591.9 | 251,361.9 | -1,230.0 | -0.5 | -41,046.3 | -39,300.3 | 1,746.0 | -4.3 | 211,545.6 | 212,061.6 | 516.0 | 0.2 |
| 1. Activo externo 1/ | 252,591.9 | 251,361.9 | -1,230.0 | -0.5 | 12,987.7 | 14,500.9 | 1,513.2 | 11.7 | 265,579.6 | 265,862.7 | 283.1 | 0.1 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -54,034.0 | -53,801.1 | 232.9 | -0.4 | -54,034.0 | -53,801.1 | 232.9 | -0.4 |
| II. ACTIVOS INTERNOS NETOS | -143,340.6 | -142,362.9 | 977.7 | -0.7 | 482,712.5 | 479,867.1 | -2,845.4 | -0.6 | 328,689.6 | 327,520.2 | -1,169.4 | -0.4 |
| 1. Posición neta con el sector público | -18,122.8 | -18,471.6 | -348.8 | 1.9 | 34,392.4 | 32,048.8 | -2,343.6 | -6.8 | 16,269.6 | 13,577.2 | -2,692.4 | -16.5 |
| 2. Crédito al sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 410,237.5 | 411,655.5 | 1,418.0 | 0.3 | 410,237.5 | 411,655.5 | 1,418.0 | 0.3 |
| 2.2 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 303,344.2 | 303,924.8 | 580.6 | 0.2 | 303,344.2 | 303,924.8 | 580.6 | 0.2 |
| 2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 106,893.3 | 107,730.7 | 837.4 | 0.8 | 106,893.3 | 107,730.7 | 837.4 | 0.8 |
| 3. Posición con bancos y financieras M/N | -87,072.4 | -86,685.2 | 387.2 | -0.4 | 98,374.2 | 97,287.0 | -1,087.2 | -1.1 | 619.3 | 617.8 | -1.5 | -0.2 |
| 3.1 Crédito a bancos y financieras | 2,058.1 | 2,058.1 | 0.0 | 0.0 | -1,239.9 | -1,240.4 | -0.5 | 0.0 | 818.2 | 817.7 | -0.5 | -0.1 |
| 3.2 Encaje | -52,443.3 | -51,487.8 | 955.5 | -1.8 | 63,112.1 | 61,457.4 | -1,654.7 | -2.6 | -13.6 | -14.4 | -0.8 | 5.9 |
| 3.2.1 Depósitos No Remunerados | -49,970.5 | -49,021.2 | 949.3 | -1.9 | 60,639.3 | 58,990.8 | -1,648.5 | -2.7 | -13.6 | -14.4 | -0.8 | 5.9 |
| 3.2.2 Depósitos Remunerados | -2,472.8 | -2,466.6 | 6.2 | -0.3 | 2,472.8 | 2,466.6 | -6.2 | -0.3 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3.3 Operaciones de estabilización | -36,687.2 | -37,255.4 | -568.2 | 1.5 | 36,502.0 | 37,070.0 | 568.0 | 1.6 | -185.2 | -185.4 | -0.2 | 0.1 |
| 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 M/E | -11,185.1 | -10,557.8 | 627.3 | -5.6 | 11,558.7 | 10,932.4 | -626.3 | -5.4 | 373.7 | 374.6 | 0.9 | 0.2 |
| 4.1 Crédito a bancos y financieras | 0.0 | 0.0 | 0.0 | 0.0 | 383.3 | 383.3 | 0.0 | 0.0 | 383.3 | 383.3 | 0.0 | 0.0 |
| 4.2 Encaje | -11,185.1 | -10,557.8 | 627.3 | -5.6 | 11,175.4 | 10,549.1 | -626.3 | -5.6 | -9.7 | -8.7 | 1.0 | -10.3 |
| 4.2.1 Depósitos No Remunerados | -10,733.9 | -10,105.8 | 628.1 | -5.9 | 10,724.2 | 10,097.1 | -627.1 | -5.8 | -9.7 | -8.7 | 1.0 | -10.3 |
| 4.2.2 Depósitos Remunerados | -451.2 | -452.0 | -0.8 | 0.2 | 451.2 | 452.0 | 0.8 | 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 | 6,158.0 | 6,182.6 | 24.6 | 0.4 | -68,106.1 | -68,472.5 | -366.4 | 0.5 | -61,948.1 | -62,289.9 | -341.8 | 0.6 |
| 6. Obligaciones de mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -3,744.2 | -3,584.1 | 160.1 | -4.3 | -3,744.2 | -3,584.1 | 160.1 | -4.3 |
| 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 | -33,118.3 | -32,831.0 | 287.3 | -0.9 | 0.0 | 0.0 | 0.0 | 0.0 | -33,118.3 | -32,831.0 | 287.3 | -0.9 |
| 8.1 En moneda nacional | -33,118.3 | -32,831.0 | 287.3 | -0.9 | 0.0 | 0.0 | 0.0 | 0.0 | -33,118.3 | -32,831.0 | 287.3 | -0.9 |
| 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 | 109,251.4 | 108,999.0 | -252.4 | -0.2 | 441,666.2 | 440,566.8 | -1,099.4 | -0.2 | 540,235.1 | 539,581.8 | -653.3 | -0.1 |
| IV. EMISION MONETARIA | 109,251.4 | 108,999.0 | -252.4 | -0.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 98,568.9 | 99,015.0 | 446.1 | 0.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2. Caja de bancos y financieras | 10,682.4 | 9,984.0 | -698.4 | -6.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| V. MEDIO CIRCULANTE EN M/N | 98,568.9 | 99,015.0 | 446.1 | 0.5 | 112,728.5 | 112,414.8 | -313.7 | -0.3 | 211,297.4 | 211,429.8 | 132.4 | 0.1 |
| 1. Numerario en circulación | 98,568.9 | 99,015.0 | 446.1 | 0.5 | 0.0 | 0.0 | 0.0 | 0.0 | 98,568.9 | 99,015.0 | 446.1 | 0.5 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 112,728.5 | 112,414.8 | -313.7 | -0.3 | 112,728.5 | 112,414.8 | -313.7 | -0.3 |
| VI. CUASIDINERO EN M/N 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 241,453.1 | 240,322.0 | -1,131.1 | -0.5 | 241,453.1 | 240,322.0 | -1,131.1 | -0.5 |
| VII. MEDIOS DE PAGO EN M/N | 98,568.9 | 99,015.0 | 446.1 | 0.5 | 354,181.5 | 352,736.8 | -1,444.7 | -0.4 | 452,750.5 | 451,751.8 | -998.7 | -0.2 |
| VIII. DEPOSITOS MONETARIOS EN M/E | 0.0 | 0.0 | 0.0 | 0.0 | 32,562.8 | 33,150.1 | 587.3 | 1.8 | 32,562.8 | 33,150.1 | 587.3 | 1.8 |
| IX. CUASIDINERO EN M/E 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 54,921.8 | 54,679.9 | -241.9 | -0.4 | 54,921.8 | 54,679.9 | -241.9 | -0.4 |
| X. MEDIOS DE PAGO EN M/E | 0.0 | 0.0 | 0.0 | 0.0 | 87,484.6 | 87,830.0 | 345.4 | 0.4 | 87,484.6 | 87,830.0 | 345.4 | 0.4 |
| XI. MEDIOS DE PAGO TOTALES | 98,568.9 | 99,015.0 | 446.1 | 0.5 | 441,666.2 | 440,566.8 | -1,099.4 | -0.2 | 540,235.1 | 539,581.8 | -653.3 | -0.1 |
| 1/ En el caso de los bancos incluye caja M/E | -.- | -.- | -.- | -.- | 745.9 | 773.7 | 27.8 | 3.7 | -.- | -.- | -.- | -.- |
| 2/ Incluye Oblig. Financ. en circulación M/N | -.- | -.- | -.- | -.- | 1,170.5 | 1,252.0 | 81.5 | 7.0 | -.- | -.- | -.- | -.- |
| 3/ Incluye Oblig. Financ. en circulación M/E | -.- | -.- | -.- | -.- | 11,629.4 | 11,577.3 | -52.1 | -0.4 | -.- | -.- | -.- | -.- |