Today we share with our readers an interesting list both for investors interested in purchasing real estate from financial entities and also a potential improvement in the asset profile for financial entities.
- Financial Education
- BY ANGELO PALACIOS, TRUST FAMILY OFFICE
Always assuming of course that a reasonable agreed price for both parties and/or good financing is reached. It is important to note that the numbers reflect the book value at which these goods were received, not precisely their market value, so their prices are usually negotiated.
We share data on the volumes of these goods available for sale. Each entity has its Department of Foreclosed Assets so it is a matter of contacting them to access the lists, some even already publish them on their websites. As education and financial knowledge of our readers, these assets are usually received by entities as one of the collection resources in case a new extension of terms or refinancing of customer loans is no longer feasible.
This intermediate process gives entities space to wait a little longer for the best time to sell or account with forecasts. This point and the deadlines are accepted and regulated by the Central Bank of Paraguay. Below, the total assets, entity by entity at book value without including forecasts* You may notice a market total of assets available for USD 415 million.
Fuente: Central Bank of Paraguay – Statistical and Financial Bulletin – Superintendency of Banks, The indicated indicators are based on the data provided by the financial entities themselves to the BCP in the form of a sworn declaration. They do not constitute indicators of solvency, information reserved for rating agencies authorized by the Superintendency of Securities. Additional information from previous publications can be found on the website medium.com/@Trust.FamilyOffice and also on the Diario La Nación website www.lanacion.com.py. Some rights reserved and protected by Article 40 of Law 1328/98
Note that of the total of USD 415 million in assets for sale, 20.8% of them are currently recorded as provisioned for bad debts, in accordance with current regulations and deadlines, always with data published from December 2025. It can also be noted that on a general average, these Foreclosed and Realized Assets represent only 1.0% of the total assets of the financial system, and 7.9% of the net worth of the total these 20 financial entities. Naturally, all this data and statistics that we publish weekly are analyzed in a combined and weighted manner to generate a complete vision of the system. Today is the look at just one of the variables.
From the point of view of the FGD Deposit Guarantee Fund, it is important to remember that all financial entities with private capital and supervised by the Central Bank of Paraguay, have their deposits guaranteed by this Fund up to 75 minimum salaries, whose current total amount is G. 217,428,600, as the maximum amount in each financial entity, per person, even if this person has more than one deposit in the entity. Let us remember that cooperatives and Stock Market Securities Issuances are not subject to this guarantee, even if they are bonds issued by banks and financial companies.
The data for this ranking is based on public information available on the website of the Central Bank of Paraguay, which is generated based on data provided by the financial entities themselves to the Central Bank of Paraguay, which do not yet have an external audit opinion. These are published on the website www.bcp.gov.py. This analysis does not incorporate the possibility of property damage related to risks of massive exchange, credit or operational fraud, nor does it include the positive or adverse effects originating in the host countries of foreign entities, which have other monitoring and prevention mechanisms that are not covered in this analysis.
The calculations correspond to monthly cut-off dates and are, therefore, static and strictly quantitative in nature. This report does not imply under any circumstances a recommendation to invest, disinvest, increase or decrease deposits or positions in the financial entities of the Paraguayan system. The objective is to provide readers with an additional source of information to the existing ones provided by the Central Bank of Paraguay, risk rating agencies and other entities. Note that these variables can and do invariably register monthly variations.
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Have a good rest of the day everyone.
