The report of the credit situation in Colombia of the Bank of the Republic to June and shows the results of the Quarterly survey on the situation of the portfolio, He revealed that debtors saw their financial burden with banks and financing companies (CF) increase, but went down with cooperatives.
(More news: use of cash in Colombia faces new challenges and would soon begin to fall)
The financial burden is defined as the reason between the fees of financial obligations for consumption and housing of new credits, and the entry into the last quarter. That is to say, The percentage of monthly income allocated to the payment of debts. To prepare the indicator, the average indicator reported for each credit establishment (EC) surveyed weighted by its portfolio is built.
For CF, the financial load is 51.6%, for banks 41.7%and in 35.5%cooperatives.
General result
According to the results of the survey, during the second quarter of 2025 the ECs received, for the second consecutive trimester, an increase in credit demand in all modalities.
Nevertheless, A slight decrease in portfolio indicators was evidenced Housing and commercial, in contrast to an increase in the consumption portfolio indicator.
The report says that when analyzing the demand for credit by type of entity and modality, a heterogeneous behavior between entities is observed, since in the case of banks, banks, A positive balance is recorded in all modalities.
In the case of financing companies, They have a negative balance in the housing modality. As for cooperatives, the perception of demand remained stable with respect to the anterior quarter in all modalities, except in housing, which continues in negative terrain.
Likewise, the supply perception indicator was located on positive or neutral terrain for all types of EC and portfolio modalities.
Says the report that taking into account The results observed for demandthe positive balance in both credit components suggests that, in the coming months, the real growth of the portfolio would be maintained in positive land.
(Read more: What has been the highest price of the euro in Colombia? This is the historical record)
Portfolio purchase.
(See: ‘In the long term you will have to raise age and quotes to pension’: BANREP Manager)
According to the report, in line with this behavior, the perception of access to credit also showed recovery signs, with the exception of the agricultural, mining and oil sectors, which continued in negative field, while the construction sector presented a rebound.
For its part, access to credit according to the size of the firm He presented a trigger behavior, although an improvement is highlighted for large companies.
In contrast, in the financing companies an inverse dynamic for micro and large companies was observed, who together with small businesses reported an improvement in access to credit; On the other hand, the medians experienced a decrease. Finally, in cooperatives, Access to credit decreased for small, medium and large companies, while for microenterprises it remained stable.
As for credit allocation policies, the banks’ position was less restrictive than in the previous quarter for all modalities, with the exception of the commercial portfolio. According to the Bank of the Republic, together, these results reflect a remarkable dynamism in the credit sector.
In relation to loan modifications and restructuring, the most used measures to redefine Credit conditions were the extension of the term and the granting of periods of grace. These operations were mainly concentrated in the trade and natural persons, mentions the credit report of the Bank of the Republic.
(More news: the history of the fiscal hole in the Petro government)
Holman Rodríguez Martínez
Portfolio journalist
