Regulatory Alerts2026-07-29
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The Salvadoran financial system closes the first half of 2026 in a solid position, with adequate levels of liquidity and capital
As of June 2026, the Salvadoran financial system demonstrated a solid position, with adequate liquidity and a solvency ratio exceeding the regulatory minimum. Deposits and credits showed positive growth, with the loan portfolio reaching US$21,804.4 million, an 8.5% year-on-year increase. Credit risk was well-managed, evidenced by a delinquency ratio of 1.6%, significantly below the prudential 4%, and reserve coverage of approximately 141%.
Home > News > The Salvadoran financial system closes the first half of 2026 in a solid position, with adequate levels of liquidity and capital
At the close of the first half of 2026, the Salvadoran financial system maintained a positive evolution in deposits and credits, as well as adequate levels of liquidity and a solvency ratio higher than the regulatory minimum, consequently providing entities with sufficient equity capacity to face eventual shocks, in addition to a positive profitability ratio.
In this regard, the results reflect that the Salvadoran financial system is solid, stable, and fulfills its role of financial intermediation between households, businesses, and other agents for the benefit of the national economy.
Deposits, which constitute the main source of funding, continued to grow at a good pace, which confirms public confidence in the financial system.
For its part, the loan portfolio maintained its growing trend. Loans from the financial system reached a balance of US$21,804.4 million, exceeding by US$1,707.1 million that recorded in June 2025, with an interannual growth of 8.5%. This situation is consistent with the economic trend of the first quarter of 2026, which registered a quarterly GDP growth rate of 4.8%.
As of June 2026, consumer credit (associated with households) grew by 5.4%, while housing credit increased by 7.5%; in the case of credit to businesses, linked to productive activities, it grew by 10.8%.
The most dynamic activities were construction with an interannual growth of 27.6% (US$341.6 million), followed by the trade, services, and manufacturing portfolios, which increased by US$306.3 million, US$280.0 million, and US$103.4 million, respectively. Credit risk showed adequate management, reflected in a delinquency ratio of 1.6%, much lower than the prudentially established 4%. Meanwhile, the overdue portfolio grew by 2.3%, coupled with a reserve coverage of around 141% and 95% of loans classified in the least risky category.
During this period, the stock market dynamism of repurchase agreements, international operations, and primary markets also stood out. Likewise, an increase in the assets of Investment Funds and greater movement in securitizations were registered, which shows an increase in investments and financing for the economy.
In summary, the Salvadoran economy and financial system are progressing at a good pace as a result of internal factors, such as increased public confidence in the banking sector, good investor performance expectations, a secure environment, the implementation of investment promotion policies, among others, which favor the development of different economic activities, despite the international environment characterized by uncertainty and geoeconomic pressures on the global economy.
Published on 29-07-2026.
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Central Reserve Bank Alameda Juan Pablo II, between 15 and 17 North Ave. Postal Code (106), San Salvador, El Salvador.
2281-8000