{"id":68081,"date":"2026-01-06T11:51:23","date_gmt":"2026-01-06T14:51:23","guid":{"rendered":"https:\/\/safras.com.br\/es\/?p=68081"},"modified":"2026-01-06T11:51:23","modified_gmt":"2026-01-06T14:51:23","slug":"morosidad-bancaria-argentina","status":"publish","type":"post","link":"https:\/\/safras.com.br\/es\/morosidad-bancaria-argentina\/","title":{"rendered":"Morosidad bancaria sigue en alza en Argentina &#8211; BTG"},"content":{"rendered":"<p data-start=\"933\" data-end=\"1285\">A pesar de la<span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/safras.com.br\/es\/bancos-centrales-de-latam-revierten-expansion-por-suba-de-tasas-moodys\/\"> mejora en los resultados financieros<\/a><\/span> impulsada por la revalorizaci\u00f3n de los bonos, la <strong data-start=\"1072\" data-end=\"1127\">morosidad bancaria en Argentina contin\u00faa en aumento<\/strong>, seg\u00fan un informe de <strong data-start=\"1149\" data-end=\"1164\">BTG Pactual<\/strong>, que tambi\u00e9n se\u00f1ala un avance sostenido de las <strong data-start=\"1212\" data-end=\"1223\">fintech<\/strong> en el volumen de transacciones frente a la banca tradicional.<\/p>\n<p data-start=\"1287\" data-end=\"1702\">Durante octubre de 2025, el sistema bancario argentino registr\u00f3 <strong data-start=\"1351\" data-end=\"1386\">ganancias por $354.000 millones<\/strong>, lo que permiti\u00f3 compensar casi en su totalidad las p\u00e9rdidas acumuladas en agosto y septiembre. La recuperaci\u00f3n estuvo liderada por los bancos de capital extranjero, que alcanzaron un <strong data-start=\"1571\" data-end=\"1620\">retorno sobre el patrimonio (ROE) real del 9%<\/strong>, manteniendo una estrategia de riesgo m\u00e1s conservadora que las entidades locales.<\/p>\n<p data-start=\"1704\" data-end=\"2076\">Sin embargo, el informe subraya que el sistema enfrenta una <strong data-start=\"1764\" data-end=\"1796\">limitaci\u00f3n estructural clave<\/strong>: el bajo nivel de apalancamiento. El capital de nivel 1 (<strong data-start=\"1854\" data-end=\"1864\">Tier 1<\/strong>) representa el <strong data-start=\"1880\" data-end=\"1912\">28,6% de los activos totales<\/strong>, una proporci\u00f3n elevada que restringe la rentabilidad potencial, aunque al mismo tiempo ofrece una base s\u00f3lida para una eventual <strong data-start=\"2042\" data-end=\"2075\">expansi\u00f3n del cr\u00e9dito en 2026<\/strong>.<\/p>\n<p data-start=\"2078\" data-end=\"2551\">BTG advierte que, para que la econom\u00eda argentina logre el <strong data-start=\"2136\" data-end=\"2179\">crecimiento proyectado del 4,1% en 2026<\/strong>, ser\u00e1 indispensable una recuperaci\u00f3n significativa del cr\u00e9dito. \u201cPara normalizar el sistema financiero a niveles similares a los de 2017, la banca argentina deber\u00eda <strong data-start=\"2345\" data-end=\"2408\">incrementar su base de dep\u00f3sitos en unos US$ 9.000 millones<\/strong> o recurrir a la <strong data-start=\"2425\" data-end=\"2455\">emisi\u00f3n de bonos bancarios<\/strong>, que actualmente representan apenas el <strong data-start=\"2495\" data-end=\"2528\">3% del total de los dep\u00f3sitos<\/strong>\u201d, concluye el informe.<\/p>\n<p data-start=\"2553\" data-end=\"2830\">En paralelo, el crecimiento de las plataformas fintech contin\u00faa presionando a la banca tradicional, especialmente en segmentos de pagos y transacciones, en un contexto donde la calidad crediticia sigue siendo uno de los principales focos de atenci\u00f3n para el sistema financiero.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A pesar de la mejora en los resultados financieros impulsada por la revalorizaci\u00f3n de los bonos, la morosidad bancaria en Argentina contin\u00faa en aumento, seg\u00fan un informe de BTG Pactual, que tambi\u00e9n se\u00f1ala un avance sostenido de las fintech en el volumen de transacciones frente a la banca tradicional. Durante octubre de 2025, el sistema [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":67735,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[444],"tags":[546,503],"commodity":[],"class_list":["post-68081","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias-financieras","tag-bancos","tag-bcra"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Morosidad bancaria sigue en alza en Argentina - BTG - SAFRAS &amp; Mercado<\/title>\n<meta name=\"description\" content=\"BTG Pactual advierte que la morosidad bancaria sigue creciendo en Argentina pese a la mejora de balances y ganancias del sistema financiero.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/safras.com.br\/es\/morosidad-bancaria-argentina\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Morosidad bancaria sigue en alza en Argentina - BTG - SAFRAS &amp; 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