| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 1 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO BASE ACUMULADO SEMANAL | ||||||||||||
| Del 31 de diciembre de 2024 al 30 de octubre de 2025 | ||||||||||||
| - Millones de Quetzales - | ||||||||||||
| Tipo de cambio: | 7.658440 | |||||||||||
| BANCO DE GUATEMALA | BANCOS DEL SISTEMA | PANORAMA MONETARIO | ||||||||||
| Concepto | VARIACIÓN | VARIACIÓN | VARIACIÓN | |||||||||
| 31/12/2024 | 30/10/2025 | ABSOLUTA | RELATIVA | 31/12/2024 | 30/10/2025 | ABSOLUTA | RELATIVA | 31/12/2024 | 30/10/2025 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 187,031.7 | 240,044.0 | 53,012.3 | 28.3 | -35,975.5 | -46,698.8 | -10,723.3 | 29.8 | 151,056.2 | 193,345.2 | 42,289.0 | 28.0 |
| 1. Activo externo 1/ | 187,031.7 | 240,044.0 | 53,012.3 | 28.3 | 8,955.6 | 7,970.9 | -984.7 | -11.0 | 195,987.3 | 248,014.9 | 52,027.6 | 26.5 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -44,931.2 | -54,669.7 | -9,738.5 | 21.7 | -44,931.2 | -54,669.7 | -9,738.5 | 21.7 |
| II. ACTIVOS INTERNOS NETOS | -30,007.7 | -78,217.0 | -48,209.3 | 160.7 | 419,498.4 | 467,632.3 | 48,133.9 | 11.5 | 321,317.5 | 321,854.4 | 536.9 | 0.2 |
| 1. Actividad crediticia | -9,986.1 | -19,823.4 | -9,837.3 | 98.5 | 402,592.4 | 433,943.5 | 31,351.1 | 7.8 | 392,606.3 | 414,120.1 | 21,513.8 | 5.5 |
| 1.1 Al Sector público neto | -12,044.2 | -21,881.5 | -9,837.3 | 81.7 | 23,231.0 | 29,181.8 | 5,950.8 | 25.6 | 11,186.8 | 7,300.3 | -3,886.5 | -34.7 |
| 1.2 Al Sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 380,321.9 | 405,520.9 | 25,199.0 | 6.6 | 380,321.9 | 405,520.9 | 25,199.0 | 6.6 |
| 1.2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 280,283.0 | 298,604.1 | 18,321.1 | 6.5 | 280,283.0 | 298,604.1 | 18,321.1 | 6.5 |
| 1.2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 100,038.9 | 106,916.8 | 6,877.9 | 6.9 | 100,038.9 | 106,916.8 | 6,877.9 | 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 | 1,291.9 | 201.2 | 18.4 | 1,097.6 | 1,298.9 | 201.3 | 18.3 |
| 1.4.1 En moneda nacional | 6.9 | 6.9 | 0.0 | 0.0 | 605.8 | 810.7 | 204.9 | 33.8 | 612.8 | 817.7 | 204.9 | 33.4 |
| 1.4.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 484.8 | 481.2 | -3.6 | -0.7 | 484.8 | 481.2 | -3.6 | -0.7 |
| 2. Encaje en moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 57,765.7 | 57,751.4 | -14.3 | 0.0 | -19.3 | -16.8 | 2.5 | -13.0 |
| 3. Encaje en moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 10,380.3 | 9,782.0 | -598.3 | -5.8 | -7.9 | -10.7 | -2.8 | 35.4 |
| 4. Otros Activos Netos | 27,292.6 | 10,789.1 | -16,503.5 | -60.5 | -71,688.7 | -67,989.7 | 3,699.0 | -5.2 | -44,396.1 | -57,200.6 | -12,804.5 | 28.8 |
| 5. Obligaciones mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -3,809.5 | -4,417.3 | -607.8 | 16.0 | -3,809.5 | -4,417.3 | -607.8 | 16.0 |
| 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 | -69,182.7 | -21,868.5 | 46.2 | 24,258.2 | 38,562.3 | 14,304.1 | 59.0 | -23,055.9 | -30,620.4 | -7,564.5 | 32.8 |
| 7.1 Con entidades públicas | -20,608.7 | -25,218.8 | -4,610.1 | 22.4 | 0.0 | 0.0 | 0.0 | 0.0 | -20,608.7 | -25,218.8 | -4,610.1 | 22.4 |
| 7.2 Otros inversionistas | -26,705.5 | -43,963.9 | -17,258.4 | 64.6 | 24,258.2 | 38,562.3 | 14,304.1 | 59.0 | -2,447.3 | -5,401.6 | -2,954.3 | 120.7 |
| 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 | 157,024.0 | 161,827.0 | 4,803.0 | 3.1 | 383,522.9 | 420,933.5 | 37,410.6 | 9.8 | 472,373.7 | 515,199.6 | 42,825.9 | 9.1 |
| IV. DINERO PRIMARIO | 146,635.8 | 152,034.3 | 5,398.5 | 3.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 88,850.8 | 94,266.0 | 5,415.2 | 6.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2. Encaje | 57,785.0 | 57,768.2 | -16.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.1 Bancario no remunerado | 55,586.5 | 55,364.0 | -222.5 | -0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.2 Bancario remunerado | 2,179.2 | 2,387.4 | 208.2 | 9.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.3 Financieras | 19.3 | 16.8 | -2.5 | -13.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| V. ENCAJE EN MONEDA EXTRANJERA | 10,388.2 | 9,792.7 | -595.5 | -5.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1 Bancario no remunerado | 9,953.5 | 9,331.2 | -622.3 | -6.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2 Bancario remunerado | 426.8 | 450.7 | 23.9 | 5.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 Financieras | 7.9 | 10.8 | 2.9 | 36.7 | 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 | 94,266.0 | 5,415.2 | 6.1 | 103,388.7 | 106,368.1 | 2,979.4 | 2.9 | 192,239.6 | 200,634.1 | 8,394.5 | 4.4 |
| 1. Numerario en circulación | 88,850.8 | 94,266.0 | 5,415.2 | 6.1 | 0.0 | 0.0 | 0.0 | 0.0 | 88,850.8 | 94,266.0 | 5,415.2 | 6.1 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 103,388.7 | 106,368.1 | 2,979.4 | 2.9 | 103,388.7 | 106,368.1 | 2,979.4 | 2.9 |
| VII. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 202,863.9 | 232,549.4 | 29,685.5 | 14.6 | 202,863.9 | 232,549.4 | 29,685.5 | 14.6 |
| VIII. MEDIOS DE PAGO EN MONEDA NACIONAL | 88,850.8 | 94,266.0 | 5,415.2 | 6.1 | 306,252.6 | 338,917.5 | 32,664.9 | 10.7 | 395,103.5 | 433,183.5 | 38,080.0 | 9.6 |
| IX. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 30,134.6 | 30,850.1 | 715.5 | 2.4 | 30,134.6 | 30,850.1 | 715.5 | 2.4 |
| X. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 47,135.7 | 51,165.9 | 4,030.2 | 8.6 | 47,135.7 | 51,165.9 | 4,030.2 | 8.6 |
| XI. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 77,270.3 | 82,016.0 | 4,745.7 | 6.1 | 77,270.3 | 82,016.0 | 4,745.7 | 6.1 |
| XII. MEDIOS DE PAGO TOTALES | 88,850.8 | 94,266.0 | 5,415.2 | 6.1 | 383,522.9 | 420,933.5 | 37,410.6 | 9.8 | 472,373.7 | 515,199.5 | 42,825.8 | 9.1 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 562.9 | 631.3 | 68.4 | 12.2 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 251.3 | 1,029.3 | 778.0 | 309.6 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 4,491.6 | 7,097.5 | 2,605.9 | 58.0 | -.- | -.- | -.- | -.- |