| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 1 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO BASE ACUMULADO SEMANAL | ||||||||||||
| Del 31 de diciembre de 2024 al 24 de julio de 2025 | ||||||||||||
| - Millones de Quetzales - | ||||||||||||
| Tipo de cambio: | 7.672780 | |||||||||||
| BANCO DE GUATEMALA | BANCOS DEL SISTEMA | PANORAMA MONETARIO | ||||||||||
| Concepto | VARIACIÓN | VARIACIÓN | VARIACIÓN | |||||||||
| 31/12/2024 | 24/7/2025 | ABSOLUTA | RELATIVA | 31/12/2024 | 24/7/2025 | ABSOLUTA | RELATIVA | 31/12/2024 | 24/7/2025 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 187,381.9 | 223,319.5 | 35,937.6 | 19.2 | -35,975.5 | -40,358.5 | -4,383.0 | 12.2 | 151,406.4 | 182,960.9 | 31,554.5 | 20.8 |
| 1. Activo externo 1/ | 187,381.9 | 223,319.5 | 35,937.6 | 19.2 | 8,955.6 | 11,092.3 | 2,136.7 | 23.9 | 196,337.5 | 234,411.8 | 38,074.3 | 19.4 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -44,931.2 | -51,450.8 | -6,519.6 | 14.5 | -44,931.2 | -51,450.8 | -6,519.6 | 14.5 |
| II. ACTIVOS INTERNOS NETOS | -30,338.5 | -62,325.4 | -31,986.9 | 105.4 | 419,498.4 | 446,601.8 | 27,103.4 | 6.5 | 320,967.3 | 315,660.7 | -5,306.6 | -1.7 |
| 1. Actividad crediticia | -9,986.1 | -29,740.8 | -19,754.7 | 197.8 | 402,592.4 | 425,049.0 | 22,456.6 | 5.6 | 392,606.3 | 395,308.2 | 2,701.9 | 0.7 |
| 1.1 Al Sector público neto | -12,044.2 | -31,798.9 | -19,754.7 | 164.0 | 23,231.0 | 27,223.7 | 3,992.7 | 17.2 | 11,186.8 | -4,575.1 | -15,761.9 | -140.9 |
| 1.2 Al Sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 380,321.9 | 398,663.1 | 18,341.2 | 4.8 | 380,321.9 | 398,663.1 | 18,341.2 | 4.8 |
| 1.2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 280,283.0 | 291,752.9 | 11,469.9 | 4.1 | 280,283.0 | 291,752.9 | 11,469.9 | 4.1 |
| 1.2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 100,038.9 | 106,910.2 | 6,871.3 | 6.9 | 100,038.9 | 106,910.2 | 6,871.3 | 6.9 |
| 1.3 A los bancos | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.1 En moneda nacional | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.2 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 |
| 1.4 A las financieras | 6.9 | 6.9 | 0.0 | 0.0 | 1,090.7 | 1,213.3 | 122.6 | 11.2 | 1,097.6 | 1,220.3 | 122.7 | 11.2 |
| 1.4.1 En moneda nacional | 6.9 | 6.9 | 0.0 | 0.0 | 605.8 | 730.5 | 124.7 | 20.6 | 612.8 | 737.5 | 124.7 | 20.3 |
| 1.4.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 484.8 | 482.8 | -2.0 | -0.4 | 484.8 | 482.8 | -2.0 | -0.4 |
| 2. Encaje en moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 57,765.7 | 57,937.6 | 171.9 | 0.3 | -19.3 | -10.6 | 8.7 | -45.1 |
| 3. Encaje en moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 10,399.7 | 10,655.5 | 255.8 | 2.5 | -8.0 | -12.0 | -4.0 | 50.0 |
| 4. Otros Activos Netos | 26,961.8 | 13,726.4 | -13,235.4 | -49.1 | -71,708.1 | -64,862.8 | 6,845.3 | -9.5 | -44,746.3 | -51,136.4 | -6,390.1 | 14.3 |
| 5. Obligaciones mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -3,809.5 | -3,384.1 | 425.4 | -11.2 | -3,809.5 | -3,384.1 | 425.4 | -11.2 |
| 6. Bonos 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 |
| 7. Operaciones compra venta de valores en M/N | -47,314.2 | -46,311.0 | 1,003.2 | -2.1 | 24,258.2 | 21,206.6 | -3,051.6 | -12.6 | -23,055.9 | -25,104.4 | -2,048.5 | 8.9 |
| 7.1 Con entidades públicas | -20,608.7 | -20,172.6 | 436.1 | -2.1 | 0.0 | 0.0 | 0.0 | 0.0 | -20,608.7 | -20,172.6 | 436.1 | -2.1 |
| 7.2 Otros inversionistas | -26,705.5 | -26,138.4 | 567.1 | -2.1 | 24,258.2 | 21,206.6 | -3,051.6 | -12.6 | -2,447.3 | -4,931.8 | -2,484.5 | 101.5 |
| 8. Operaciones compra venta de valores en M/E | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.1 Con entidades públicas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.2 Otros inversionistas | 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 | 157,043.5 | 160,994.1 | 3,950.6 | 2.5 | 383,522.9 | 406,243.3 | 22,720.4 | 5.9 | 472,373.6 | 498,621.7 | 26,248.1 | 5.6 |
| IV. DINERO PRIMARIO | 146,635.8 | 150,326.5 | 3,690.7 | 2.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 88,850.8 | 92,378.3 | 3,527.5 | 4.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2. Encaje | 57,785.0 | 57,948.2 | 163.2 | 0.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.1 Bancario no remunerado | 55,586.5 | 55,599.0 | 12.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.2 Bancario remunerado | 2,179.2 | 2,338.6 | 159.4 | 7.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.3 Financieras | 19.3 | 10.7 | -8.6 | -44.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| V. ENCAJE EN MONEDA EXTRANJERA | 10,407.7 | 10,667.5 | 259.8 | 2.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1 Bancario no remunerado | 9,972.1 | 10,213.7 | 241.6 | 2.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2 Bancario remunerado | 427.6 | 441.8 | 14.2 | 3.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 Financieras | 8.0 | 12.1 | 4.1 | 51.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| VI. MEDIO CIRCULANTE EN MONEDA NACIONAL | 88,850.8 | 92,378.3 | 3,527.5 | 4.0 | 103,388.7 | 103,831.3 | 442.6 | 0.4 | 192,239.6 | 196,209.6 | 3,970.0 | 2.1 |
| 1. Numerario en circulación | 88,850.8 | 92,378.3 | 3,527.5 | 4.0 | 0.0 | 0.0 | 0.0 | 0.0 | 88,850.8 | 92,378.3 | 3,527.5 | 4.0 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 103,388.7 | 103,831.3 | 442.6 | 0.4 | 103,388.7 | 103,831.3 | 442.6 | 0.4 |
| VII. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 202,863.9 | 221,981.2 | 19,117.3 | 9.4 | 202,863.9 | 221,981.2 | 19,117.3 | 9.4 |
| VIII. MEDIOS DE PAGO EN MONEDA NACIONAL | 88,850.8 | 92,378.3 | 3,527.5 | 4.0 | 306,252.6 | 325,812.5 | 19,559.9 | 6.4 | 395,103.5 | 418,190.8 | 23,087.3 | 5.8 |
| IX. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 30,134.6 | 30,330.1 | 195.5 | 0.6 | 30,134.6 | 30,330.1 | 195.5 | 0.6 |
| X. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 47,135.7 | 50,100.7 | 2,965.0 | 6.3 | 47,135.7 | 50,100.7 | 2,965.0 | 6.3 |
| XI. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 77,270.3 | 80,430.8 | 3,160.5 | 4.1 | 77,270.3 | 80,430.8 | 3,160.5 | 4.1 |
| XII. MEDIOS DE PAGO TOTALES | 88,850.8 | 92,378.3 | 3,527.5 | 4.0 | 383,522.9 | 406,243.3 | 22,720.4 | 5.9 | 472,373.7 | 498,621.6 | 26,247.9 | 5.6 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 562.9 | 737.9 | 175.0 | 31.1 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 251.3 | 336.6 | 85.3 | 33.9 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 4,491.6 | 6,184.4 | 1,692.8 | 37.7 | -.- | -.- | -.- | -.- |