In the period January-November 2021, the banking profits increased 54.2 percent annually compared to the same period of 2020, while the total credit portfolio of the banking sector in the country fell 3.7 percent in November compared to the immediately previous year, reported the National Banking and Securities Commission (CNBV).
During this period, the loan portfolio of the 50 banking institutions that operate in the Mexican systemor it amounted to 162 billion pesos (mp).
The entity in charge of regulating the country’s financial system explained that you have not yet fully recovered from the impact of the covid-19 pandemic, Therefore, the current credit portfolio of the multiple banking sector was located at 5 thousand 402 million pesos, with a real annual decrease of 3.7 percent compared to the same month of 2020.
At the end of the eleventh month of 2021, Total assets of the multiple banking sector reached 11,710 million pesos, which represented a real annual decrease of 3.4 percent, said CNBV.
With respect to commercial credits, which represent 61.9 percent of the total portfolio, were located at 3,347 million pesos, increasing 0.4 percent in real terms compared to October, presenting a real decrease of 5.4 percent compared to the same month of 2020.
In the consumer segment, there was an increase of 76 thousand million pesos, equivalent to 2.6 percent, given that the monthly flow of consumer credit for 36 thousand million pesos observed in November was the highest monthly historical increase registered.
The number of credits granted via credit cards they showed a drop of 5 percent; personal loans, 7.2 percent compared to the penultimate month of 2020; while payroll loans fell 0.6 percent compared to October and remained unchanged in annual terms.
In contrast, home loans fell at a rate of 0.2 percent monthly and rose 2.2 percent annually in November, compared to the past-due portfolio which amounted to 119 thousand million pesos, which represented an annual fall of 16.1 percent, after the impact of the pandemic.
Finally, the home loans fell to a constant 0.2 percent monthly and rose 2.2 percent annually in November.
The delinquency index of the total portfolio (Imor) was 2.15 percent, a decrease of 0.31 percentage points with respect to November 2020, implying that the delinquency of the consumer sector stood at 3.28 percent, while the lack of payments in credits granted via card it was 3.30 percent and in personal loans 5.27 percent.
AMP
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