Although in terms of the gross domestic product, the credit passed in the last year, with a cut to May, to represent 43.4% to 41.5%, In the fifth month there was real growth after 25 months of negative figures.
According to the figures of the financial superintendence, After 2 years and 1 month with real negative annual variations, the portfolio had real growth in May of 0.3% in the gross balancewhich reached $ 725.3 billion, which reflects the neutralization of housing, microcredit and commercial modalities before the real annual negative variation of the consumption modality; The dynamics of punishments that in May added $ 1.5 billion, influenced by consumption and commercial modalities with a participation of 76% and 12%, respectively.
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The commercial portfolio had as sixth month an annual positive variation, after 18 months with negative records. In intermennsual terms, The balance of the commercial portfolio rose $ 3.1 billion, given the positive contribution of segments such as corporate ($ 2.6 billion) and construction ($ 459.8 billion).
By disaggregating the annual variation by products, positive records are observed in official or government with an annual real variation of 7.9%; Factoring 7.1% and 5.5%foreign currency; While, financial and institutional products, SMEs and microenterprise recorded negative data of 15.8%, 5.9%and 4.2%, respectively.
The approval rate of this portfolio for May was 89.8% of the number of applications and $ 28.2 billion were disbursed.
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The consumption portfolio registered a nominal annual variation of 0.3% and real negative real of 4.5% in May. Of this rate 63.8% is explained by the free investment product, which accumulates an annual real variation of -9.4%. It precedes rotary credit (-18.1%) and follows a vehicle (-5.1%).
Credit
In contrast, The Consumer Credit category for employees grew 6%. On the other hand, the disbursements in consumption in May were $ 18 billion.
The housing portfolio in nominal terms increased 10.2% annually and in real terms its annual variation was 4.9% in May 2025being the tenth consecutive month with positive variation. In the case of Vis financing, the portfolio’s balance reports an annual real variation of 14.5% and in non -0.2% VIS.
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The disbursements in May were $ 2.6 billion, driven by the NO VIS segment.
The microcredit portfolio completed 4 years and 3 consecutive months of positive records, by reporting an annual real variation of 2.8%. With May cut this portfolio registered an intermensual increase in the nominal balance of $ 273,100 million.
The disbursements in the month for the productive credit, defined in Decree 455 of 2023, were $ 1.3 billion.
The balance qu#E reports Mora for more than 30 days, it reached $ 32 billion, which meant an intermencing decrease in the balance of $ 1.1 billion. In particular, Regarding May 2024, the balance varied at a real rate of -14.4%, driven by the modality of consumption with a real record of -28.4%.
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On the other hand, for housing modalities there was an annual real variation of 6%, commercial of -2.1%; and microcredit of -18.4%.
The portfolio a day recorded $ 693.3 billion, this represents 95.6% of the total balance.
The portfolio quality indicator per default for the total portfolio, calculated as the ratio between the defeated and gross balance was 4.4% and in May 2024 had been 5.2%.
Holman Rodríguez
Portfolio
