Superintendency of Banks of Panama Banking Activity Report shows International Banking Center credit up 5.91% and capital adequacy at 16.34%

The Superintendency of Banks of Panama published its Banking Activity Report, showing continued balance-sheet expansion in the International Banking Center (CBI) through November 2025, supported by rising deposits and an increase in liquidity buffers. The report also notes a Capital Adequacy Index of 16.34% for the CBI at end-Q3, above the 8% regulatory minimum. CBI net credit grew 5.91% year on year to USD 100,578.9 million (up USD 5,608.4 million), while deposits rose 7.20% to USD 115,131.7 million (up USD 7,728.8 million), driven by external deposits (+13.17%) versus internal deposits (+3.57%). Net assets reached USD 161,700.9 million (+5.69% year on year), and net liquid assets increased 7.59% to USD 18,531.1 million, equivalent to 11.46% of total assets (11.26% a year earlier). In the National Banking System (SBN), gross local lending totalled USD 64,958 million (+1.2%), with private-sector credit up 2.1% and public-sector credit down 21.8%; within private credit, commerce, mortgages and personal consumption increased their combined share of the domestic portfolio to 77.8% (from 76.1%). New loan disbursements in the SBN totalled USD 24,025 million (+5.1%), with commerce (including services) accounting for about 48% (USD 11,415 million, +15.8%), alongside increases in personal consumption (+3.1%), livestock (+5.3%), mining and quarrying (USD 6 million to USD 119 million) and flows to public entities (+14.8%).