{"id":83172,"date":"2025-01-13T11:30:45","date_gmt":"2025-01-13T16:30:45","guid":{"rendered":"https:\/\/l21.mx\/?p=83172"},"modified":"2025-01-13T11:30:57","modified_gmt":"2025-01-13T16:30:57","slug":"la-banca-mexicana-enfrenta-retos-en-2025","status":"publish","type":"post","link":"https:\/\/l21.mx\/?p=83172","title":{"rendered":"La banca mexicana enfrenta retos en 2025"},"content":{"rendered":"

 <\/p>\n

El sector bancario en M\u00e9xico vivi\u00f3 un a\u00f1o hist\u00f3rico en 2024, con ganancias acumuladas de 245,904 millones de pesos<\/strong> entre enero y octubre, lo que represent\u00f3 un crecimiento del 3.02% en t\u00e9rminos reales<\/strong> respecto a 2023. Este desempe\u00f1o se vio impulsado por las tasas de inter\u00e9s de referencia, que alcanzaron niveles de 11.00%<\/strong>, ampliando los m\u00e1rgenes financieros. Los ingresos por intereses alcanzaron 1.479 billones de pesos<\/strong>, un incremento del 6.3%<\/strong>, mientras que los gastos por intereses aumentaron un 6.1%<\/strong>, situ\u00e1ndose en 773,383 millones de pesos<\/strong>.<\/p>\n

En el \u00e1mbito institucional, el a\u00f1o cerr\u00f3 con dos movimientos significativos. Por un lado, la separaci\u00f3n de Citibanamex en dos entidades: Citi, orientada a clientes corporativos, y Banamex, que se enfocar\u00e1 en PYMES y personas f\u00edsicas, con una posible oferta p\u00fablica de acciones en 2025. Por otro, el nacimiento de Banco Plata, una fintech transformada en banco, que con un capital social inicial de 3,777 millones de pesos<\/strong> (alrededor de 200 millones de d\u00f3lares<\/strong>) espera competir en un mercado creciente y poco saturado.<\/p>\n

\"\"<\/a><\/p>\n

Retos y oportunidades hacia 2025<\/strong>
\nA pesar del optimismo en 2024, la desaceleraci\u00f3n econ\u00f3mica proyectada para 2025 podr\u00eda impactar el sector, especialmente si el consumo privado y la confianza empresarial contin\u00faan debilit\u00e1ndose. Adem\u00e1s, bancos medianos como Afirme y Bancoppel, y m\u00e1s peque\u00f1os como Covalto y Bineo, enfrentan problemas en sus carteras crediticias, con \u00edndices de morosidad que los colocan en zonas de riesgo.<\/p>\n

Por otro lado, M\u00e9xico sigue consolid\u00e1ndose como un mercado atractivo para la apertura de nuevas instituciones bancarias. La autorizaci\u00f3n pendiente para bancos como los promovidos por Mercado Libre y Nu promete una mayor competencia, mejores servicios y reducci\u00f3n de costos para los usuarios.<\/p>\n

La banca mexicana demostr\u00f3 su solidez en 2024 con cifras r\u00e9cord, pero enfrenta un 2025 desafiante. La desaceleraci\u00f3n econ\u00f3mica y la entrada de nuevos jugadores en el mercado redefinir\u00e1n el panorama financiero del pa\u00eds. Sin embargo, la combinaci\u00f3n de innovaci\u00f3n fintech y una poblaci\u00f3n joven sigue ofreciendo un terreno f\u00e9rtil para el crecimiento a mediano y largo plazo.<\/p>\n","protected":false},"excerpt":{"rendered":"

  El sector bancario en M\u00e9xico vivi\u00f3 un a\u00f1o hist\u00f3rico en 2024, con ganancias acumuladas de…<\/p>\n","protected":false},"author":100,"featured_media":83174,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"no","_lmt_disable":"","_mbp_gutenberg_autopost":false,"footnotes":""},"categories":[23],"tags":[],"class_list":["post-83172","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias"],"acf":[],"yoast_head":"\nLa banca mexicana enfrenta retos en 2025 | Revista Latitud 21<\/title>\n<meta name=\"description\" content=\"L21, Emprendedores y Negocios en el Caribe Mexicano, es la revista l\u00edder entre el Sector Empresarial y Tur\u00edstico del Caribe Mexicano.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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