The Superintendency of Banks of Panama published third-quarter 2025 indicators for the International Banking Center (CBI), showing sustained compliance with Basel regulatory standards for liquidity and solvency alongside continued balance-sheet growth, while cumulative profitability eased slightly amid narrower financial margins. As at end-September 2025, the legal liquidity ratio stood at 52.5% and the capital adequacy index reached 15.78%. Total assets rose to USD 158,793.7 million, up 4.7% year on year, driven by a 6.1% increase in the net loan portfolio, led by external credit growth of 14.9%; credit represented 63% of total assets. Local credit totalled USD 64,610 million (up 1.2%), while international credit increased 14.8%, mainly linked to activity in Latin America. Total deposits reached USD 113,851.9 million (up 6.1%), led by external deposits (up 10.6%) which accounted for 40.6% of the total; time deposits represented more than 80% of the increase. Net investments grew 3.8%, concentrated primarily in domestic instruments, and cumulative net income totalled USD 2,228.7 million, down 2.4% year on year due to margin compression and higher operating expenses.
Superintendencia de Bancos de Panama 2025-10-29
Superintendency of Banks of Panama reports International Banking Center legal liquidity at 52.5% and capital adequacy at 15.78% in Q3 2025
The Superintendency of Banks of Panama reported that the International Banking Center complied with Basel standards for liquidity and solvency in Q3 2025, despite a slight decline in profitability due to narrower financial margins. As of September 2025, the legal liquidity ratio was 52.5% and the capital adequacy index was 15.78%, with total assets rising 4.7% year on year to USD 158,793.7 million. Credit growth was driven by a 14.9% increase in external credit, while total deposits increased by 6.1%, led by a 10.6% rise in external deposits.