The Central Reserve Bank of El Salvador published an assessment showing that the financial system maintained adequate liquidity and capital above the legal minimum at the end of July 2026. Deposit growth and increased lending, particularly for productive activities, supported the system’s capacity to perform its financial intermediation functions without disruption. Deposits remained the main funding source, while the loan-to-deposit ratio stood at 88%, indicating capacity for further credit expansion. Lending growth was led by the commerce, construction and services sectors, and growth in household financing reached its highest level in 30 months. Between July 2025 and July 2026, short-term lending rates declined to 7.60% from 7.80%, corporate rates fell to 7.54% from 7.75%, and long-term personal lending rates decreased to 12.11% from 12.82%.
2026-09-01Central Reserve Bank of El Salvador
Central Reserve Bank of El Salvador reports adequate liquidity, capital above the legal minimum and an 88% loan-to-deposit ratio
The Central Reserve Bank of El Salvador reported adequate financial system liquidity and capital above the legal minimum at the end of July 2026. The loan-to-deposit ratio was 88%, credit continued to expand and lending rates declined across short-term, corporate and long-term personal loans.