The Financial Superintendence of Colombia and Banca de las Oportunidades published the 2024 Financial Inclusion Report, finding that 96.3% of Colombian adults had at least one deposit or credit product in 2024, up 1.7 percentage points from 2023. Access to deposit products reached 95.8% (37.1 million adults), while access to credit provided by financial-system entities edged up to 35.5%; for the first time, the report also incorporated credit from formal non-financial firms, taking the combined credit-access indicator to 50.5% (19.6 million adults with at least one financing product). Savings accounts remained the most widely held deposit product (82.4% of adults), followed by low-value deposits (DBM) at 76.1%, with usage indicators of 54.9% and 64%, respectively. Deposit-product use was highest in Eje Cafetero (universal access and use) and in Centro Oriente (universal access and 89.9% use), while the lowest use levels were recorded in the Caribbean (68.3%) and Pacific (67.7%) regions; rural areas continued to lag urban areas on both access (65.6% versus universal) and use (53.4% versus 89.3%). The report also highlighted persistent gender gaps (6.9 percentage points in access and 4.4 in use) and a continued decline in microcredit penetration (down 0.4 percentage points to 6.2%), alongside product-level shifts including higher credit card access (23.3%), lower consumer credit access (19%), and still-low housing credit penetration (3.1% of adults).

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