The credit portfolio of the International Banking Center (CBI) reached US$100,088 million as of October 2025, marking a 5.5% annual growth driven by the expansion of external credit, which increased by 12.38%, compared to a 1.63% rise in the domestic portfolio. External deposits grew by 10.21%, while internal ones advanced by 3.23%. The majority of the financing is directed to Latin American countries. Colombia received the largest amount of credit at US$5,729 million (15% of the total external financing), followed by Brazil with US$4,879 million (13%) and Guatemala with US$3,182 million (11%). Although the domestic credit growth rate seems low, even a 1% increase represents a significant amount due to the size of the domestic portfolio. The primary source of funding for the system is deposits, which totaled US$115,289 million, up 5.91% year-on-year. The domestic portfolio still accounts for 63%, but the external one now contributes 37% and continues to gain share. New credit disbursements from January to October amounted to US$22,199 million, an increase of 5.2%. Most of these operations are corporate, and according to the regulator, the external portfolio shows no delinquency, reflecting a low-risk profile among selected clients. In contrast, domestic lending maintains a more moderate pace. The system maintains liquidity and capital levels above the minimum required thresholds.
