As of January 2022, 11.4% of the rescheduled debt in the financial system has not made payments or has made only one payment in the last 6 months; that is, they are “standing debt”, according to the Superintendency of Banking, Insurance and AFPs (SBS).
In detail, the trend is concentrated in mypes, where 16.1% of rescheduled loans are unemployed. And at the level of the entire portfolio, it represents about 3%.
They are followed by consumer loans, where 14.1% of those rescheduled are unemployed, but at a general level it represents just 0.7%.
Meanwhile, in the case of rescheduled mortgage loans, 13.3% are unemployed. And at the level of the entire portfolio it is 1.1%.
Finally, 8.5% of rescheduled wholesale loans record a single payment or none in the last 6 months. Which at the level of the entire portfolio means just 0.9%.
On the other hand, the SBS indicated that the percentage of rescheduled loans fell from 35.8% in June 2020 to 10.5% in January this year.
“I reached a peak in June 2020, reaching almost 36% of the total portfolio. It currently represents 10.5%, perhaps having a higher proportion with respect to its portfolio in the case of mypes, this being the hardest hit segment”, said Manuel Luy, Deputy Superintendent of Economic Studies of the SBS.
Source: Larepublica
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