A. M. 
Credit to households and families showed sustained growth in 2025, solidifying its position as a key driver for improving quality of life and boosting the national economy. Member banks of the Asociación Bancaria Salvadoreña (ABANSA)reported an increase in financing directed toward family needs such as housing, education, consumption, and emergency assistance.
As of the end of december 2025, the total outstanding balance of loans to households reached US$5,917.1 million, representing a year-over-year increase of US$272.3 million, equivalent to 4.8% growth. This performance confirms active demand for credit from families and supply supported by the stability of the financial system.
Overall, the total outstanding balance of loans in the banking system stood at US$17,568.4 million, with year-over-year growth of 9.4% (an additional US$1,505.8 million). Within this figure, financing to households represents a significant part, which demonstrates the support of banks in personal and family projects.
Access to credit allows families to purchase homes, remodel their houses, finance education, acquire durable goods, or cope with unforeseen situations. This flow of resources also generates a multiplier effect in the economy, boosting sectors such as construction, commerce, and services.
The growth in financing occurs within the context of financial strength. The banking sector closed the year with a delinquency rate of 1.45%, lower than the previous year’s rate of 1.80%, reflecting a healthy loan portfolio and adequate repayment capacity on the part of clients. Furthermore, bank solvency reached 14.06%, above the legal minimum, supporting the stability of the system.
The performance of household loans during 2025 demonstrates a financial system that continues to support salvadoran families in their goals and needs, with conditions that promote responsible access to credit.
You can also read:
