Alert about improve in overdue portfolio in monetary establishments


Greater than a 12 months after the confinement as a result of pandemic started in Mexico, there are corporations that face liquidity issues and worrying ranges of indebtedness, as well as they don’t have credit score insurance coverage and because of this they’ve a excessive chance that they’ll start to fail of their Funds.

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This text was translated from our Spanish version utilizing AI applied sciences. Errors might exist attributable to this course of.


The restoration of the Mexican financial system is progressing slowly however, though there’s reactivation in a lot of the nation’s productive sectors, there’s a danger that there will likely be two or three surprises of serious will increase in overdue loans in monetary establishments.

The final director of Atradius Seguros de Crédito, Karel Van Laack, defined that, greater than a 12 months after the confinement as a result of pandemic started in Mexico, there are corporations that face liquidity issues and worrying ranges of indebtedness, as well as they don’t have insurance coverage credit score and because of this they’ve a excessive chance that they’ll start to fail of their funds.

Whatever the sector, the most important issues are confronted by these corporations that didn’t put together and function with out credit score insurance coverage that enables them to evaluate whether or not or not they’ve “good shoppers” to supply financing and to evaluate default dangers.

He recalled that in 2020, the banks offered amenities for corporations to delay the funds of their money owed, however since September of that 12 months they started to require them to repay the loans, with the drawback that some won’t be able to fulfill their obligations.

“One thing that we’re seeing with nice curiosity is the event of the overdue portfolio of banks in Mexico, I’m afraid that they’ll give us two or three surprises, not the big banks which are very properly capitalized, however there are monetary establishments that wouldn’t have adequate capital to have the ability to face the rise of the overdue portfolio ”, commented Van Laack.

Though usually the banks are in good capitalization ranges, “I’m not certain that the quantity of loans that won’t be paid is not going to be so nice that they won’t trigger surprises,” he stated.

He added that Mexico had been in recession since earlier than the pandemic; In 2020, attributable to COVID-19, it registered a drop of 8.5% and in 2021 the restoration is progressing slowly and far of its restoration will rely upon components such because the vaccination course of in opposition to the SARS-CoV-2 virus.

Picture: Envatoelements

“We come from a deep backside, we can not declare victory, as a result of though we’re going up there are various challenges and after the autumn of 2020 it was not possible for the Mexican financial system to not develop,” stated Van Laack.

In 2020 all sectors had been affected, though some greater than others comparable to development, tourism, leisure and eating places; The identical occurred with corporations: there have been some that had credit score insurance coverage, whereas others didn’t, which brought on larger harm as a result of financial disaster.

On this 2021, specifically, the industries or segments of the Mexican financial system with very robust interplay with the US are those that can most shortly profit from the financial growth of the US market.



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