A. M. 
The salvadoran banking system closed 2025 with solid financial indicators that reflect stability, responsiveness, and user confidence. The results show a robust banking sector with adequate levels of solvency, liquidity, and portfolio quality—key elements for sustaining credit and deposit growth.
According to consolidated data from member banks of the Asociación Bancaria Salvadoreña (ABANSA) as of december 2025, the solvency ratio stood at 14.06%, a percentage higher than the minimum required by local regulations. This indicator measures the banks’ capacity to face risks and absorb potential losses, guaranteeing the protection of customer savings.
Regarding portfolio quality, the delinquency rate closed at 1.45%, showing an improvement compared to the 1.80% recorded the previous year. A low delinquency rate means that most customers are meeting their loan obligations on time, which contributes to maintaining the stability of the system.
The growth of key financial indicators also supports this strength. The total loan balance reached US$17,568.4 million, with a year-on-year increase of 9.4%, while deposits totaled US$20,060.6 million, registering growth of 18%. This performance demonstrates that the banking sector not only maintains the confidence of depositors but also continues to finance households and businesses.
The expansion of financial infrastructure complements these results. The country has 445 branches, more than 1,800 ATMs, approximately 8,900 financial correspondents, and over 156,000 POS and EFTPOS terminals, ensuring broad access to financial services throughout the country.
The combination of growth, prudent risk management, and extensive coverage consolidates the salvadoran banking system as a stable and well-prepared system to support the country’s economic development.
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