Overview
- Household loan irregularity reached 10.6% in January, marking a 15th consecutive monthly increase, according to Consultora 1816.
- The rise was broad-based across the 25 largest banks, signaling a macro trend rather than bank-specific issues.
- Non-financial lenders show far greater stress, with roughly 24–27% of loans in irregular status, a rising share over 90 days past due and more borrowers deemed irrecoverable.
- Corporate delinquency averages about 2.7–2.8%, but large firms are near 0.9% versus roughly 4% for SMEs, with construction, apparel, textiles and furniture sectors near 6–8%.
- The government characterizes the strain as temporary, while consultants and banks warn that high real rates near 40% in banks and about 150% in non-banks are pressuring balances and restricting new lending.