Caja de Ahorros concluded fiscal year 2025 with solid financial performance, reinforcing its strategic position within Panama’s banking system. The state-owned bank reached total assets of B/. 6.911 billion, consolidating a trajectory of responsible and sustainable growth.
Net income reached B/. 41.1 million, representing an approximate 18.7% increase compared to 2024. These results reflect prudent resource management, disciplined credit expansion, and a strategy centered on operational efficiency and innovation.
Sustained Financial Growth and Strengthened Capital Position
The loan portfolio closed the year at B/. 4.943 billion, demonstrating the bank’s continued support for Panamanian families, entrepreneurs, MSMEs, and key productive sectors. Meanwhile, local deposits exceeded B/. 5.630 billion, underscoring sustained customer confidence in the institution.
From a solvency perspective, the capital adequacy ratio stood at 14.41%, remaining above regulatory requirements and reinforcing the bank’s capacity to continue expanding responsibly with a strong financial foundation.
Additionally, the institution maintains a AAA (pan) credit rating with a stable outlook, reaffirming its credibility and financial stability within the national banking system.
Andrés Farrugia Reaffirms the Strategic Vision and Commitment to Panama
General Manager Andrés Farrugia emphasized that the 2025 results are the outcome of a clear roadmap focused on sustainability, inclusion, and institutional modernization.
“The 2025 results reflect a solid, responsible financial institution committed to Panama. We have strengthened our financial base while advancing the modernization of our services and expanding access to credit for thousands of Panamanians,” he stated.
Farrugia underscored that the combination of financial discipline and social impact will remain central to the bank’s strategy in the years ahead.
Improved Operational Efficiency and Profitability
The institution also reported notable improvements in operational efficiency. The efficiency ratio stood at 67.61%, supported by profitability indicators that reflect more effective resource management: a Return on Assets (ROA) of 0.61% and a Return on Equity (ROE) of 10.41%.
These results consolidate a balanced and sustainable financial structure aligned with industry performance standards.
Digital Transformation as a Driver of Modernization
During 2025, more than 51 million transactions were conducted through online and mobile banking platforms, further strengthening the bank’s digital transformation process. The growing adoption of digital channels reflects progress toward a more agile, accessible, and customer-centric banking model.
Social Impact and Outlook for 2026
Beyond financial performance, Caja de Ahorros advanced high-impact social initiatives throughout the year, including programs supporting entrepreneurs and MSMEs, partnerships to facilitate homeownership for thousands of families, and the digitalization of government payments, contributing to greater transparency and efficiency in public administration.
With more than 650,000 customers, nationwide presence, and over 2,100 employees, the institution reaffirms its commitment to evolving as a modern, sustainable, and community-focused state bank.
Looking ahead to 2026, Caja de Ahorros will continue strengthening its growth strategy, with a clear emphasis on innovation, operational efficiency, and financial inclusion, consolidating its role as a strategic partner in Panama’s economic and social development.
About Caja de Ahorros
Caja de Ahorros is the state-owned bank of the Republic of Panama, with nationwide presence and a strategic role within the country’s financial system. The institution provides personal, mortgage, commercial, and digital banking services aimed at promoting financial inclusion and supporting national economic development. For more information, visit www.cajadeahorros.com.pa.
Media Contact
Communications Department
Caja de Ahorros
comunicaciones@cajadeahorros.com.pa
+507 508-3584
