RegAlert2026-07-08
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Financial System Remains Solid and Stable
The Central Reserve Bank of El Salvador reports that the national financial system maintained stability and uninterrupted intermediary functions during the first five months of 2026. Credit balances reached US$21.626 billion, an 8.1% year-over-year increase driven by a 10.5% expansion in business financing and a 5.6% rise in household credit. Prudential indicators remained robust with a 1.6% delinquency rate and a 15.1% solvency ratio, resulting in a net profit of US$202.9 million by the end of May 2026.
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During the first five months of 2026, the Salvadoran financial system has maintained its stability and continues to perform, without interruptions, its financial intermediary functions.
The sustained growth in deposit collection reflects the confidence of savers, while liquidity and solvency indicators exceed the suggested and legal minimums. Credit maintains its upward trend with adequate portfolio quality, reflecting positive conditions of security and investment in the country. Credits reached a balance of US$21,626.0 million, an additional US$1,623.8 million compared to the same period of the previous year, which equates to a year-over-year growth of 8.1%.
This growth was mainly driven by financing for the business sector, which registered an expansion of 10.5%, equivalent to US$1,071.2 million.
Among the productive sectors with the greatest dynamism stand out construction, commerce, services, and manufacturing industry, whose portfolios represent 62% of the productive portfolio. The growth of credit directed to households also showed a favorable performance in the expansion of credit activity, with a year-over-year growth of 5.6%, equivalent to US$552.6 million, with emphasis on financing for housing acquisition which increased by 6.7% and consumption by 5.2%.
For its part, collections through deposits of the financial system reached US$24,632.1 million, registering a year-over-year growth of 14.9%; this behavior confirms the confidence of Salvadorans in the financial system and its relevance as the main source of funding, strengthening the capacity of financial entities to meet credit demand.
From a prudential perspective, the main financial indicators continue to show favorable conditions. The delinquency rate remains at 1.6%, well below the prudential standard of 4%, while the solvency ratio stands at 15.1%, exceeding the legal minimum of 12%. Likewise, financial results continue in positive territory, reaching a profit of US$202.9 million by the end of May 2026, reflecting a solid, profitable, and sustainable operational performance. Together, these results show that the Salvadoran financial system maintains adequate levels of liquidity, equity strength, and profitability, constituting a fundamental pillar to channel resources to the economy and provide financial services to companies and the population, contributing to the country's economic growth.
Published on 08-07-2026. Tags: Featured, News
«« The Salvadoran economy grew 4.8% in the first quarter of 2026
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Source: Banco Central de Reserva de El Salvador — original document · Summary generated with machine assistance and reviewed before publication; the authoritative text is the regulator's original document. How RegAlert works