The fear of a possible jump from the dollar After the elections that is based on some reports of private banks, they generated a Change in the demand for company financings. Although requests for credit in dollars were maintained, Commercial credits in pesos uploaded.
This is revealed by the last Group First Capital Report, based on data from the Central Bank, which indicates that “Loans in pesos to the private sector grew in June 88.2% compared to the same month last year. ”
According to detail, the total loan balance in pesos to the private sector rose in nominal terms 5.1% monthly, reaching $ 76.1 billion, which implies a nominal increase 163.5% nominal in one year.
In that sense, the survey indicates that If the effect of inflation is discounted “the growth of the month reached 3.1% and the annual 88.2%.”
“To analyze the real variation, an estimate of the June CPI was used, which, according to specialists, would be around 2% monthly and 40% year -on -year,” said the consultant.
Guillermo Barberopartner of the firm, explained that “one more month of real growth was completed in the segment of financing in pesos, traveling to a Average speed around the $ 4 billion monthly during the last year. ”
Personal loans fly
The work indicates that “The personal loan line rose in nominal terms 3.8% monthly, the balance reached $ 16.3 Billions for the accumulated total, presenting an overparal growth of 302.1%”
“As for real variations, the growth of the month reached 1.8% and the annual 187.2%”, The report stands out which states that “an important slowdown in the growth rate of this line is noticed.”
The survey indicates that “The monthly volume of variation of the last month has been half of what it represented during the first months of the year ”. Barbero considered that the fall is due to the fact that with the collection of the bonus formal workers need less financing.
Companies return to credit in pesos
Meanwhile, regarding the segment of commercial loans, a 7.1% nominal increase with a $ 26.7 balance was recorded Billones marks it a year -on -year increase of 113.8% nominal.
“As for Real variations, the growth of the month reached 5%, and the annual 52.7%, ”says the study.
“Companies financing reassume growth leadership between lines in pesos, After a few months during which the preferences of the debtors focused on the operations in foreign currency ”, Barber explained.
The work indicates that “the reasons for this demand behavior, we can find them in some comments on the possible fluctuation of the exchange rate. ”
Credit cards also continue
Meanwhile, operations With credit cards they rose in nominal terms 1.1% monthly, with a stock of $ 19.5 billion which marked a nominal year -on -year rise of 129.8%. As for real variations, a 0.9% monthly drop and an annual increase of 64.1% were recorded.
On the other hand, the lines of prison credits rose in terms Royal 3.6% and the annual 147.9%, with a stock of $ 4.9 billion, while the mortgages had a monthly positive variation of 10.7% and 336.9% real annual. The stock was $ 3.8 billion.
In relation to dollars in dollars, a monthly 3.2% rose and the balance arrived Au $ S16.234 million with a real growth of 152.2% compared to June 2024. “76.4% of the total foreign currency debt remains the line of commercial loans, which increased a 2.6% monthly and the annual by 164.3%,” says First Capital Group.
Source: Ambito
