| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 3 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO BASE SEMANAL | ||||||||||||
| Del 23 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 | |||||||||
| 23/10/2025 | 30/10/2025 | ABSOLUTA | RELATIVA | 23/10/2025 | 30/10/2025 | ABSOLUTA | RELATIVA | 23/10/2025 | 30/10/2025 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 239,944.6 | 240,044.0 | 99.4 | 0.0 | -43,568.2 | -46,698.8 | -3,130.6 | 7.2 | 196,376.4 | 193,345.2 | -3,031.2 | -1.5 |
| 1. Activo externo 1/ | 239,944.6 | 240,044.0 | 99.4 | 0.0 | 11,105.6 | 7,970.9 | -3,134.7 | -28.2 | 251,050.2 | 248,014.9 | -3,035.3 | -1.2 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -54,673.8 | -54,669.7 | 4.1 | 0.0 | -54,673.8 | -54,669.7 | 4.1 | 0.0 |
| II. ACTIVOS INTERNOS NETOS | -77,705.6 | -78,217.0 | -511.4 | 0.7 | 461,353.5 | 467,632.3 | 6,278.8 | 1.4 | 315,233.4 | 321,854.4 | 6,621.0 | 2.1 |
| 1. Actividad crediticia | -22,088.6 | -19,823.4 | 2,265.2 | -10.3 | 429,769.3 | 433,943.5 | 4,174.2 | 1.0 | 407,680.7 | 414,120.1 | 6,439.4 | 1.6 |
| 1.1 Al Sector público neto | -24,146.7 | -21,881.5 | 2,265.2 | -9.4 | 26,781.5 | 29,181.8 | 2,400.3 | 9.0 | 2,634.8 | 7,300.3 | 4,665.5 | 177.1 |
| 1.2 Al Sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 403,747.0 | 405,520.9 | 1,773.9 | 0.4 | 403,747.0 | 405,520.9 | 1,773.9 | 0.4 |
| 1.2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 297,436.9 | 298,604.1 | 1,167.2 | 0.4 | 297,436.9 | 298,604.1 | 1,167.2 | 0.4 |
| 1.2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 106,310.1 | 106,916.8 | 606.7 | 0.6 | 106,310.1 | 106,916.8 | 606.7 | 0.6 |
| 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 | 1,291.9 | 1,291.9 | 0.0 | 0.0 | 1,298.8 | 1,298.9 | 0.1 | 0.0 |
| 1.4.1 En moneda nacional | 6.9 | 6.9 | 0.0 | 0.0 | 810.7 | 810.7 | 0.0 | 0.0 | 817.7 | 817.7 | 0.0 | 0.0 |
| 1.4.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 481.2 | 481.2 | 0.0 | 0.0 | 481.2 | 481.2 | 0.0 | 0.0 |
| 2. Encaje en moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 57,525.2 | 57,751.4 | 226.2 | 0.4 | -13.3 | -16.8 | -3.5 | 26.3 |
| 3. Encaje en moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 10,868.2 | 9,782.0 | -1,086.2 | -10.0 | -7.8 | -10.7 | -2.9 | 37.2 |
| 4. Otros Activos Netos | 10,253.0 | 10,789.1 | 536.1 | 5.2 | -68,470.2 | -67,989.7 | 480.5 | -0.7 | -58,217.3 | -57,200.6 | 1,016.7 | -1.7 |
| 5. Obligaciones mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -4,325.7 | -4,417.3 | -91.6 | 2.1 | -4,325.7 | -4,417.3 | -91.6 | 2.1 |
| 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 | -65,869.9 | -69,182.7 | -3,312.8 | 5.0 | 35,986.8 | 38,562.3 | 2,575.5 | 7.2 | -29,883.2 | -30,620.4 | -737.2 | 2.5 |
| 7.1 Con entidades públicas | -24,455.0 | -25,218.8 | -763.8 | 3.1 | 0.0 | 0.0 | 0.0 | 0.0 | -24,455.0 | -25,218.8 | -763.8 | 3.1 |
| 7.2 Otros inversionistas | -41,414.9 | -43,963.9 | -2,549.0 | 6.2 | 35,986.8 | 38,562.3 | 2,575.5 | 7.2 | -5,428.1 | -5,401.6 | 26.5 | -0.5 |
| 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 | 162,239.0 | 161,827.0 | -412.0 | -0.3 | 417,785.3 | 420,933.5 | 3,148.2 | 0.8 | 511,609.8 | 515,199.6 | 3,589.8 | 0.7 |
| IV. DINERO PRIMARIO | 151,363.0 | 152,034.3 | 671.3 | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 93,824.5 | 94,266.0 | 441.5 | 0.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2. Encaje | 57,538.5 | 57,768.2 | 229.7 | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.1 Bancario no remunerado | 55,136.9 | 55,364.0 | 227.1 | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.2 Bancario remunerado | 2,388.3 | 2,387.4 | -0.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.3 Financieras | 13.3 | 16.8 | 3.5 | 26.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| V. ENCAJE EN MONEDA EXTRANJERA | 10,876.0 | 9,792.7 | -1,083.3 | -10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1 Bancario no remunerado | 10,416.8 | 9,331.2 | -1,085.6 | -10.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2 Bancario remunerado | 451.3 | 450.7 | -0.6 | -0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 Financieras | 7.8 | 10.8 | 3.0 | 38.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| VI. MEDIO CIRCULANTE EN MONEDA NACIONAL | 93,824.5 | 94,266.0 | 441.5 | 0.5 | 104,931.0 | 106,368.1 | 1,437.1 | 1.4 | 198,755.4 | 200,634.1 | 1,878.7 | 0.9 |
| 1. Numerario en circulación | 93,824.5 | 94,266.0 | 441.5 | 0.5 | 0.0 | 0.0 | 0.0 | 0.0 | 93,824.5 | 94,266.0 | 441.5 | 0.5 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 104,931.0 | 106,368.1 | 1,437.1 | 1.4 | 104,931.0 | 106,368.1 | 1,437.1 | 1.4 |
| VII. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 230,799.1 | 232,549.4 | 1,750.3 | 0.8 | 230,799.1 | 232,549.4 | 1,750.3 | 0.8 |
| VIII. MEDIOS DE PAGO EN MONEDA NACIONAL | 93,824.5 | 94,266.0 | 441.5 | 0.5 | 335,730.1 | 338,917.5 | 3,187.4 | 0.9 | 429,554.5 | 433,183.5 | 3,629.0 | 0.8 |
| IX. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 31,284.7 | 30,850.1 | -434.6 | -1.4 | 31,284.7 | 30,850.1 | -434.6 | -1.4 |
| X. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 50,770.5 | 51,165.9 | 395.4 | 0.8 | 50,770.5 | 51,165.9 | 395.4 | 0.8 |
| XI. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 82,055.2 | 82,016.0 | -39.2 | 0.0 | 82,055.2 | 82,016.0 | -39.2 | 0.0 |
| XII. MEDIOS DE PAGO TOTALES | 93,824.5 | 94,266.0 | 441.5 | 0.5 | 417,785.3 | 420,933.5 | 3,148.2 | 0.8 | 511,609.8 | 515,199.5 | 3,589.7 | 0.7 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 663.2 | 631.3 | -31.9 | -4.8 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 965.1 | 1,029.3 | 64.2 | 6.7 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 6,329.2 | 7,097.5 | 768.3 | 12.1 | -.- | -.- | -.- | -.- |