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Deposits in El Salvador’s financial system reached US$23,542.6 million in 2025, registering an annual growth of 16.8%, according to data presented by the Banco Central de Reserva (BCR). This result reflects a significant strengthening of user confidence, as well as favorable liquidity and stability conditions within the national financial system.
The data was presented by the president of the BCR, Douglas Rodríguez, during the presentation of the 2025 annual report to the Legislative Assembly, where it was highlighted that this increase in deposits consolidated security for savers, investors, and financial users, in addition to contributing to the country’s economic stability.
According to the report, the salvadoran financial system maintained adequate levels of solvency, liquidity, and capitalization throughout the year, even exceeding regulatory requirements. This performance was accompanied by the enactment of the Law for the Stability of the Financial System and Deposit Guarantee, strengthening the system’s safety net.
In the regulatory sphere, the Banco Central promoted the modernization of the financial framework by approving 22 new regulations and reforms, along with updating 53 existing regulations. These actions aim to foster transparency, promote innovation, and facilitate access to financial services for both households and businesses. In addition, more than 190 technical inquiries from the sector were addressed.
One of the pillars of financial progress was the consolidation of digital payment systems. The Transfer365 platform remained the leading mechanism for instant interbank transfers, operating continuously and free of charge for users. During 2025, it processed more than 55 million transactions totaling over US$42 billion, capturing 91.12% of the market for this type of transaction.
Additionally, tools such as Transfer365 Móvil, Transfer365 Business, Transfer365 CA-RD and the PAY payment system were strengthened, aimed at expanding financial inclusion, facilitating electronic payments and improving access to digital services for entrepreneurs and small businesses.
The Sistema de Liquidación Bruta en Tiempo Real (LBTR), considered the foundation of the financial infrastructure, settled transactions totaling US$126,767.1 million, representing an increase of approximately 4.66% compared to the previous year, ensuring efficiency and security in financial transactions.
Regarding cash management, the Banco Central ensured the timely supply of banknotes and coins through 2,644 operations totaling US$12,355.60 million, supporting the functioning of commerce and economic activity.
The report also highlights progress in financial inclusion and economic education. During Global Money Week 2025, 85 activities were held with the participation of 26 institutions, benefiting more than 20,000 people. In addition, the “Mi Viaje Financiero” program traveled throughout the country, reaching more than 31,000 students.
In the area of statistics, the Banco Central led the 2025 Agricultural and Fisheries Census using digital tools, with the goal of generating strategic information to boost productivity, investment, and food security. It also continued to strengthen the production of key macroeconomic and social statistics for decision-making.
As the State’s financial agent, the Banco Central provided support in debt management, securities custody, and fulfillment of financial obligations, contributing to maintaining the country’s credibility in international markets.
The institution also highlighted the prudent management of International Reserves based on liquidity, security, and profitability criteria, reinforcing macroeconomic stability.
At the institutional level, the Banco Central obtained ISO 37001 Anti-Bribery Management System certification without observations, in addition to awards for excellence, work environment, and regional leadership. These include the distinction of Best Banco Central in Central America for the second consecutive year and the Great Place to Work certification.
The institution’s net worth grew by US$237.9 million, equivalent to a 19% increase compared to 2014, strengthening its financial position.
Furthermore, through the Centro de Trámites de Importaciones y Exportaciones (CIEX), improvements were made to foreign trade processes through digitization and operational simplification, reducing time and costs for businesses.
The Banco Central also advanced its digital transformation by offering electronic signature and digital certification services, facilitating secure and efficient procedures in both the public and private sectors.
According to the report, the 2025 results reflect that the Banco Central not only guarantees financial stability but also drives economic modernization, inclusion, and social development in the country.
Looking ahead, the institution plans to deepen financial digitization, expand economic inclusion, strengthen technological innovation, and improve statistical quality, with the goal of continuing to support El Salvador’s sustainable growth.
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