According to a private report, 85% of loans are up to date according to official BCRA data in 2024. What are the pending debts.
The delinquency rate In credits granted Natural persons in Argentina showed a significant improvement in January of this year. According to recent data, 85% of loans are up to datein front of the 81% registered in the same month of 2024. There is also an important reduction in Delays greater than 90 dayswho passed from 18% to 12%although minor delays increased slightly from 2 % to 3 %.
These data arise from a report prepared by Siisacompany specialized in credit technology and risk analysis, which processed more than 66 million records from the bases of the Central Bank and other sources. The study compares the evolution of personal credit between January 2024 and January 2025, including credit cards, personal loans, consumption, mortgages and pledge.
Personal credits: lower access, but greater volume granted per person
Despite the improvement in credit quality, access was reduced: In January 2025, only 52% of adults agreed to financingcompared to 59% of a year ago. However, the average amount of loans 46% increased in nominal termspassing from $ 1,600,000 to more than $ 2,300,000even adjusted by inflation. However, due to the least amount of credits granted, the growth of the Total amount financed It was from 29%.
The non -banking entities —As Fintechs, Financieras and Retails, “they also registered an increase in 49% in the average amount by loanwhile Banks They continue to lead in volume: they represent the 82% of the amounts granted and the 52% of credit receptors.
Pesos Salaries Inflation
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For Alberto TeszkiewiczSIISA Research and Development Coordinator, the challenge is to improve financial inclusion without sacrificing credit quality. “Although fewer people accessed credit, technology can be a key ally. Automation tools and efficient decision engines allow maintaining prudence standards without limiting the volume of financing,” he said.
The report also detects a Growing combined credit tendency: More people request loans both in banking and non -banking entities. In January 2025, the 27 % of debtors were active in both segmentscompared to 21 % in 2024 and 18 % in 2023.
In terms of portfolio qualitythe banks show better indicators: he 91 % of its customers do not present arrearsand the 95 % of the amounts are up to datecompared to 78 % and 86 % registered by non -banking entities.
Source: Ambito
