El Salvador financial system showed positive performance in July 2026 in financing productive activities

Home > News > The Salvadoran financial system showed positive performance in July 2026 in financing productive activities, evidenced by growth in credit placement and deposit collection

The Salvadoran financial system maintains adequate liquidity conditions and records equity strength above the legal minimum, linked to the positive performance of deposit collections and greater credit placement, primarily oriented towards financing productive activities, thus boosting economic performance.

Deposits reaffirm their position as the most important funding source. As of the end of July 2026, the credit-to-deposit ratio stands at 88%, indicating sufficient capacity to expand credit activity. The portfolios that stand out in the interannual growth of credit are those in the commerce, construction, and services sectors; likewise, financing for households registers sustained growth, highlighting the achievement at the end of the month as the highest in the last thirty months.

The prevailing liquidity conditions in the financial system have not only provided greater certainty to economic agents in their investment decisions but have also favored the downward trend in interest rate levels. Short-term loan rates decreased from 7.80% to 7.60% between July 2025 and July 2026, highlighting the decrease in corporate financial costs, whose rates fell from 7.75% to 7.54% in the same period. Particularly positive was the behavior of personal loan rates, mainly in long-term financing, with rates of 12.82% and 12.11% in July 2025 and July 2026, respectively.

The results as of the end of July 2026 reflect that the Salvadoran financial system is in favorable conditions to exercise its financial intermediation functions without disruptions.

Published on 01-09-2026. Tags: Featured, News

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