Deposits of the International Banking Center (IBC) reached USD 117,466 million, representing a year-on-year increase of 8% compared to the same period of the previous year, when they totaled USD 108,795 million—an increase of USD 8,671 million—according to the Banking Activity Report (IAB) as of January 2026, published by the Superintendency of Banks of Panama (SBP).
Meanwhile, the net loan portfolio reached USD 100,348.3 million, reflecting growth of 5.4%, driven mainly by external credit, which expanded by 13.8%, further consolidating the IBC’s regional role. The largest balances were concentrated in the mining and quarrying, personal consumption, commerce, and mortgage portfolios.
Net assets of the International Banking Center (IBC) amounted to USD 163,327.9 million, representing a year-on-year increase of 5.60%. The net loan portfolio reached USD 100,348.3 million (+5.39%), primarily driven by external lending, which grew by 13.8%, reinforcing the IBC’s regional role. Net investments in securities totaled USD 36,165.7 million, reflecting an increase of 5.59%.
Net liquid assets of the IBC reached USD 18,528 million, with a year-on-year increase of 5.28%, strengthening the system’s capacity to meet short-term needs. The loan-to-deposit ratio declined to 85.4%, reflecting an improvement in the liquidity structure.
Net income for the period totaled USD 253.6 million, reflecting a slight increase of 0.2%, or USD 0.53 million year-on-year, remaining broadly stable. It is worth noting, however, that pre-provision income grew by 8.0%, indicating strong operating income generation capacity. This performance was accompanied by a more prudent approach, with increased provisions that strengthened balance sheet resilience.
The report also highlights that profitability indicators moderated slightly, with a return on assets (ROA) of 1.91% and a return on equity (ROE) of 16.34%.
The average legal liquidity ratio stood at 56.15%, well above the regulatory minimum of 30%, while the Capital Adequacy Ratio (CAR) reached 16.27%, remaining comfortably above the regulatory requirement of 8%.
Results of the Banking Activity Report confirm that the IBC maintains solid financial fundamentals, with adequate levels of liquidity and capital, supported by prudent management.
For more details on the results of this report, please visit our website at www.superbancos.gob.pa, in the Financial and Statistics section.
