| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 2 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO EMISIÓN ACUMULADO SEMANAL | ||||||||||||
| Del 31 de diciembre de 2024 al 4 de septiembre de 2025 | ||||||||||||
| - Millones de Quetzales - | ||||||||||||
| Tipo de cambio: | 7.661710 | |||||||||||
| BANCO DE GUATEMALA | BANCOS DEL SISTEMA | PANORAMA MONETARIO | ||||||||||
| Concepto | VARIACIÓN | VARIACIÓN | VARIACIÓN | |||||||||
| 31/12/2024 | 4/9/2025 | ABSOLUTA | RELATIVA | 31/12/2024 | 4/9/2025 | ABSOLUTA | RELATIVA | 31/12/2024 | 4/9/2025 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 187,111.6 | 232,791.1 | 45,679.5 | 24.4 | -35,975.5 | -47,199.7 | -11,224.2 | 31.2 | 151,136.0 | 185,591.4 | 34,455.4 | 22.8 |
| 1. Activo externo 1/ | 187,111.6 | 232,791.1 | 45,679.5 | 24.4 | 8,955.6 | 11,007.8 | 2,052.2 | 22.9 | 196,067.2 | 243,798.9 | 47,731.7 | 24.3 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -44,931.2 | -58,207.5 | -13,276.3 | 29.5 | -44,931.2 | -58,207.5 | -13,276.3 | 29.5 |
| II. ACTIVOS INTERNOS NETOS | -88,900.4 | -130,337.3 | -41,436.9 | 46.6 | 419,498.4 | 459,920.7 | 40,422.3 | 9.6 | 321,237.7 | 320,242.5 | -995.2 | -0.3 |
| 1. Posición neta con el sector público | -12,044.2 | -30,059.5 | -18,015.3 | 149.6 | 23,231.0 | 30,281.5 | 7,050.5 | 30.3 | 11,186.8 | 221.9 | -10,964.9 | -98.0 |
| 2. Crédito al sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 380,321.9 | 402,547.9 | 22,226.0 | 5.8 | 380,321.9 | 402,547.9 | 22,226.0 | 5.8 |
| 2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 280,283.0 | 295,404.3 | 15,121.3 | 5.4 | 280,283.0 | 295,404.3 | 15,121.3 | 5.4 |
| 2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 100,038.9 | 107,143.6 | 7,104.7 | 7.1 | 100,038.9 | 107,143.6 | 7,104.7 | 7.1 |
| 3. Posición con bancos y financieras en M/N | -70,797.7 | -74,558.9 | -3,761.2 | 5.3 | 80,578.6 | 84,464.6 | 3,886.0 | 4.8 | 420.5 | 564.9 | 144.4 | 34.3 |
| 3.1. Crédito a bancos y financieras | 2,058.1 | 2,058.1 | 0.0 | 0.0 | -1,445.3 | -1,315.4 | 129.9 | -9.0 | 612.8 | 742.7 | 129.9 | 21.2 |
| 3.2. Encaje | -48,424.6 | -53,125.8 | -4,701.2 | 9.7 | 57,765.7 | 62,456.3 | 4,690.6 | 8.1 | -19.3 | -10.5 | 8.8 | -45.6 |
| 3.2.1. Depósitos no remunerados | -46,245.4 | -50,771.4 | -4,526.0 | 9.8 | 55,586.5 | 60,101.8 | 4,515.3 | 8.1 | -19.3 | -10.5 | 8.8 | -45.6 |
| 3.2.2. Depósitos remunerados | -2,179.2 | -2,354.5 | -175.3 | 8.0 | 2,179.2 | 2,354.5 | 175.3 | 8.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3.3. Operaciones de estabilización | -24,431.2 | -23,491.1 | 940.1 | -3.8 | 24,258.2 | 23,323.8 | -934.4 | -3.9 | -172.9 | -167.3 | 5.6 | -3.2 |
| 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 en M/E | -10,392.6 | -11,597.6 | -1,205.0 | 11.6 | 10,869.5 | 12,069.0 | 1,199.5 | 11.0 | 476.9 | 471.3 | -5.6 | -1.2 |
| 4.1 Crédito a bancos y financieras | 0.0 | 0.0 | 0.0 | 0.0 | 484.8 | 481.4 | -3.4 | -0.7 | 484.8 | 481.4 | -3.4 | -0.7 |
| 4.2 Encaje | -10,392.6 | -11,597.6 | -1,205.0 | 11.6 | 10,384.7 | 11,587.6 | 1,202.9 | 11.6 | -7.9 | -10.1 | -2.2 | 27.8 |
| 4.2.1 Depósitos no remunerados | -9,965.7 | -11,151.0 | -1,185.3 | 11.9 | 9,957.7 | 11,140.9 | 1,183.2 | 11.9 | -7.9 | -10.1 | -2.2 | 27.8 |
| 4.2.2 Depósitos remunerados | -427.0 | -446.7 | -19.7 | 4.6 | 427.0 | 446.7 | 19.7 | 4.6 | 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 | 27,217.2 | 11,797.9 | -15,419.3 | -56.7 | -71,693.1 | -66,100.4 | 5,592.7 | -7.8 | -44,475.9 | -54,302.5 | -9,826.6 | 22.1 |
| 6. Obligaciones de mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -3,809.5 | -3,341.9 | 467.6 | -12.3 | -3,809.5 | -3,341.9 | 467.6 | -12.3 |
| 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 | -22,883.0 | -25,919.2 | -3,036.2 | 13.3 | 0.0 | 0.0 | 0.0 | 0.0 | -22,883.0 | -25,919.2 | -3,036.2 | 13.3 |
| 8.1 En moneda nacional | -22,883.0 | -25,919.2 | -3,036.2 | 13.3 | 0.0 | 0.0 | 0.0 | 0.0 | -22,883.0 | -25,919.2 | -3,036.2 | 13.3 |
| 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 | 98,211.2 | 102,453.7 | 4,242.5 | 4.3 | 383,522.9 | 412,721.1 | 29,198.2 | 7.6 | 472,373.7 | 505,833.9 | 33,460.2 | 7.1 |
| IV. EMISIÓN MONETARIA | 98,211.2 | 102,453.7 | 4,242.5 | 4.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 88,850.8 | 93,112.9 | 4,262.1 | 4.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2. Caja de bancos y financieras | 9,360.4 | 9,340.9 | -19.5 | -0.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| V. MEDIO CIRCULANTE EN MONEDA NACIONAL | 88,850.8 | 93,112.9 | 4,262.1 | 4.8 | 103,388.7 | 104,552.1 | 1,163.4 | 1.1 | 192,239.6 | 197,665.0 | 5,425.4 | 2.8 |
| 1. Numerario en circulación | 88,850.8 | 93,112.9 | 4,262.1 | 4.8 | 0.0 | 0.0 | 0.0 | 0.0 | 88,850.8 | 93,112.9 | 4,262.1 | 4.8 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 103,388.7 | 104,552.1 | 1,163.4 | 1.1 | 103,388.7 | 104,552.1 | 1,163.4 | 1.1 |
| VI. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 202,863.9 | 227,156.8 | 24,292.9 | 12.0 | 202,863.9 | 227,156.8 | 24,292.9 | 12.0 |
| VII. MEDIOS DE PAGO EN MONEDA NACIONAL | 88,850.8 | 93,112.9 | 4,262.1 | 4.8 | 306,252.6 | 331,709.0 | 25,456.4 | 8.3 | 395,103.5 | 424,821.8 | 29,718.3 | 7.5 |
| VIII. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 30,134.6 | 30,687.3 | 552.7 | 1.8 | 30,134.6 | 30,687.3 | 552.7 | 1.8 |
| IX. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 47,135.7 | 50,324.8 | 3,189.1 | 6.8 | 47,135.7 | 50,324.8 | 3,189.1 | 6.8 |
| X. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 77,270.3 | 81,012.1 | 3,741.8 | 4.8 | 77,270.3 | 81,012.1 | 3,741.8 | 4.8 |
| X. MEDIOS DE PAGO TOTALES | 88,850.8 | 93,112.9 | 4,262.1 | 4.8 | 383,522.9 | 412,721.1 | 29,198.2 | 7.6 | 472,373.7 | 505,834.0 | 33,460.3 | 7.1 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 562.9 | 646.2 | 83.3 | 14.8 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 251.3 | 543.5 | 292.2 | 116.3 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 4,491.6 | 6,270.1 | 1,778.5 | 39.6 | -.- | -.- | -.- | -.- |