Peru's Superintendency of Banking, Insurance and Private Pension Funds (SBS) published its Financial System Stability Report, indicating renewed dynamism in the financial system through expanding credit, improving loan quality and sustained high solvency and liquidity. As of September 2025, credit grew 5.2% year-on-year excluding government programmes, with consumption lending up 7.0% and mortgages up 6.3%. The high-risk portfolio (cartera de alto riesgo, CAR) has improved steadily since September 2024, while profitability increased alongside lower CAR levels and funding costs; risk in the corporate and large enterprise portfolio was reported as slightly below pre-pandemic levels. The system’s average global capital ratio stood at 17.2% and provisioning buffers totalled PEN 4,478 million, taking coverage of the high-risk portfolio to 113.6%; under a severe two-year stress scenario, the solvency stress test showed the global capital ratio would remain around 15%, above the 10% regulatory minimum, and liquidity stress tests indicated high resilience.
Superintendencia de Banca, Seguros y AFP del Peru 2025-12-10
Peru's Superintendency of Banking, Insurance and Private Pension Funds reports 5.2% credit growth and a 17.2% capital ratio in its Financial System Stability Report
Peru's Superintendency of Banking, Insurance and Private Pension Funds (SBS) released its Financial System Stability Report, highlighting credit growth, improved loan quality, and strong solvency and liquidity. As of September 2025, credit increased 5.2% year-on-year, with consumption lending up 7.0% and mortgages up 6.3%. The system's average global capital ratio was 17.2%, and stress tests confirmed resilience, with solvency above the regulatory minimum.