| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 4 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO EMISIÓN SEMANAL | ||||||||||||
| Del 13 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 | |||||||||
| 13/11/2025 | 20/11/2025 | ABSOLUTA | RELATIVA | 13/11/2025 | 20/11/2025 | ABSOLUTA | RELATIVA | 13/11/2025 | 20/11/2025 | ABSOLUTA | RELATIVA | |
| I. MONETIZACION EXTERNA | 243,645.3 | 244,594.2 | 948.9 | 0.4 | -47,640.9 | -46,500.0 | 1,140.9 | -2.4 | 196,004.4 | 198,094.2 | 2,089.8 | 1.1 |
| 1. Activo externo 1/ | 243,645.3 | 244,594.2 | 948.9 | 0.4 | 5,825.4 | 7,369.9 | 1,544.5 | 26.5 | 249,470.7 | 251,964.0 | 2,493.3 | 1.0 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -53,466.3 | -53,869.8 | -403.5 | 0.8 | -53,466.3 | -53,869.8 | -403.5 | 0.8 |
| II. ACTIVOS INTERNOS NETOS | -139,548.7 | -140,218.8 | -670.1 | 0.5 | 468,576.4 | 466,363.1 | -2,213.3 | -0.5 | 319,494.6 | 316,917.0 | -2,577.6 | -0.8 |
| 1. Posición neta con el sector público | -26,550.9 | -28,187.1 | -1,636.2 | 6.2 | 31,055.2 | 29,424.4 | -1,630.8 | -5.3 | 4,504.3 | 1,237.3 | -3,267.0 | -72.5 |
| 2. Crédito al sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 405,560.8 | 407,044.1 | 1,483.3 | 0.4 | 405,560.8 | 407,044.1 | 1,483.3 | 0.4 |
| 2.2 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 298,738.5 | 300,132.9 | 1,394.4 | 0.5 | 298,738.5 | 300,132.9 | 1,394.4 | 0.5 |
| 2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 106,822.3 | 106,911.1 | 88.8 | 0.1 | 106,822.3 | 106,911.1 | 88.8 | 0.1 |
| 3. Posición con bancos y financieras M/N | -81,601.0 | -80,189.0 | 1,412.0 | -1.7 | 91,770.7 | 89,874.8 | -1,895.9 | -2.1 | 636.7 | 458.4 | -178.3 | -28.0 |
| 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 | -53,025.6 | -51,026.6 | 1,999.0 | -3.8 | 62,544.9 | 60,240.5 | -2,304.4 | -3.7 | -13.7 | -13.3 | 0.4 | -2.9 |
| 3.2.1 Depósitos No Remunerados | -50,633.8 | -48,645.5 | 1,988.3 | -3.9 | 60,153.1 | 57,859.5 | -2,293.6 | -3.8 | -13.7 | -13.3 | 0.4 | -2.9 |
| 3.2.2 Depósitos Remunerados | -2,391.8 | -2,381.1 | 10.7 | -0.4 | 2,391.8 | 2,381.1 | -10.7 | -0.4 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3.3 Operaciones de estabilización | -30,633.5 | -31,220.5 | -587.0 | 1.9 | 30,466.2 | 30,874.6 | 408.4 | 1.3 | -167.3 | -345.9 | -178.6 | 106.8 |
| 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 | -11,541.4 | -11,871.0 | -329.6 | 2.9 | 12,014.8 | 12,344.3 | 329.5 | 2.7 | 473.4 | 473.3 | -0.1 | 0.0 |
| 4.1 Crédito a bancos y financieras | 0.0 | 0.0 | 0.0 | 0.0 | 481.2 | 481.1 | -0.1 | 0.0 | 481.2 | 481.1 | -0.1 | 0.0 |
| 4.2 Encaje | -11,541.4 | -11,871.0 | -329.6 | 2.9 | 11,533.6 | 11,863.2 | 329.6 | 2.9 | -7.8 | -7.9 | -0.1 | 1.3 |
| 4.2.1 Depósitos No Remunerados | -11,092.9 | -11,420.5 | -327.6 | 3.0 | 11,085.2 | 11,412.6 | 327.4 | 3.0 | -7.8 | -7.9 | -0.1 | 1.3 |
| 4.2.2 Depósitos Remunerados | -448.5 | -450.5 | -2.0 | 0.4 | 448.5 | 450.5 | 2.0 | 0.4 | 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 | 10,426.7 | 10,273.1 | -153.6 | -1.5 | -67,681.8 | -68,162.9 | -481.1 | 0.7 | -57,255.0 | -57,889.8 | -634.8 | 1.1 |
| 6. Obligaciones de mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -4,143.3 | -4,161.6 | -18.3 | 0.4 | -4,143.3 | -4,161.6 | -18.3 | 0.4 |
| 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 | -30,282.1 | -30,244.7 | 37.4 | -0.1 | 0.0 | 0.0 | 0.0 | 0.0 | -30,282.1 | -30,244.7 | 37.4 | -0.1 |
| 8.1 En moneda nacional | -30,282.1 | -30,244.7 | 37.4 | -0.1 | 0.0 | 0.0 | 0.0 | 0.0 | -30,282.1 | -30,244.7 | 37.4 | -0.1 |
| 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 | 104,096.6 | 104,375.3 | 278.7 | 0.3 | 420,935.5 | 419,863.1 | -1,072.4 | -0.3 | 515,499.1 | 515,011.1 | -488.0 | -0.1 |
| IV. EMISION MONETARIA | 104,096.6 | 104,375.3 | 278.7 | 0.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 94,563.6 | 95,148.0 | 584.4 | 0.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2. Caja de bancos y financieras | 9,533.0 | 9,227.3 | -305.7 | -3.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| V. MEDIO CIRCULANTE EN M/N | 94,563.6 | 95,148.0 | 584.4 | 0.6 | 105,693.2 | 104,714.0 | -979.2 | -0.9 | 200,256.8 | 199,862.0 | -394.8 | -0.2 |
| 1. Numerario en circulación | 94,563.6 | 95,148.0 | 584.4 | 0.6 | 0.0 | 0.0 | 0.0 | 0.0 | 94,563.6 | 95,148.0 | 584.4 | 0.6 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 105,693.2 | 104,714.0 | -979.2 | -0.9 | 105,693.2 | 104,714.0 | -979.2 | -0.9 |
| VI. CUASIDINERO EN M/N 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 232,927.4 | 231,703.6 | -1,223.8 | -0.5 | 232,927.4 | 231,703.6 | -1,223.8 | -0.5 |
| VII. MEDIOS DE PAGO EN M/N | 94,563.6 | 95,148.0 | 584.4 | 0.6 | 338,620.5 | 336,417.5 | -2,203.0 | -0.7 | 433,184.1 | 431,565.5 | -1,618.6 | -0.4 |
| VIII. DEPOSITOS MONETARIOS EN M/E | 0.0 | 0.0 | 0.0 | 0.0 | 31,040.9 | 32,278.0 | 1,237.1 | 4.0 | 31,040.9 | 32,278.0 | 1,237.1 | 4.0 |
| IX. CUASIDINERO EN M/E 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 51,274.1 | 51,167.6 | -106.5 | -0.2 | 51,274.1 | 51,167.6 | -106.5 | -0.2 |
| X. MEDIOS DE PAGO EN M/E | 0.0 | 0.0 | 0.0 | 0.0 | 82,315.0 | 83,445.6 | 1,130.6 | 1.4 | 82,315.0 | 83,445.6 | 1,130.6 | 1.4 |
| XI. MEDIOS DE PAGO TOTALES | 94,563.6 | 95,148.0 | 584.4 | 0.6 | 420,935.5 | 419,863.1 | -1,072.4 | -0.3 | 515,499.1 | 515,011.1 | -488.0 | -0.1 |
| 1/ En el caso de los bancos incluye caja M/E | -.- | -.- | -.- | -.- | 664.5 | 663.9 | -0.6 | -0.1 | -.- | -.- | -.- | -.- |
| 2/ Incluye Oblig. Financ. en circulación M/N | -.- | -.- | -.- | -.- | 1,031.9 | 1,025.6 | -6.3 | -0.6 | -.- | -.- | -.- | -.- |
| 3/ Incluye Oblig. Financ. en circulación M/E | -.- | -.- | -.- | -.- | 7,180.6 | 7,179.4 | -1.2 | 0.0 | -.- | -.- | -.- | -.- |