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3mo ago

BCRA Launches TIM as New Reference for Court-Ordered Interest on Peso Debts

The rule-based measure gives courts a transparent reference bounded by CER to preserve debt values.

(260107) -- BUENOS AIRES, 7 enero, 2026 (Xinhua) -- Un hombre circula en una bicicleta frente a la sede del Banco Central de la República Argentina (BCRA), en la ciudad de Buenos Aires, capital de Argentina, el 7 de enero de 2026. El BCRA anunció el miércoles que concertó con seis bancos internacionales una nueva operación financiera tipo "Repo", que le permite obtener financiamiento por 3.000 millones de dólares, a un plazo de poco más de un año. (Xinhua/Martín Zabala) (mz) (ah) (vf)
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Cuál es la metodología que implementa el BCRA.
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Overview

  • The central bank began publishing the Tasa de Intereses Moratorios on January 8 with the resolution, methodological annex, and a daily updated historical series available on its website.
  • TIM is calculated as the average of the 30-day peso term-deposit rate and a weighted average of specified peso loan rates.
  • The daily base rate used for TIM cannot exceed CER variation plus 3% effective annual or fall below CER minus 3% effective annual.
  • BCRA presents TIM as a non-binding statistical tool under the Civil and Commercial Code to help tribunals set moratory interest and bolster legal certainty and predictability.
  • An online calculator lets users estimate interest and totals for chosen principals and periods, including an example where ARS 100,000 between January 10, 2020 and December 30, 2025 accrues ARS 2,139,726.60.