Industry Overview and Profitability Context
As of December 2025, Guatemala’s banking and financial sector confirms a solid profitability profile within the Central American landscape. A total of 28 entities were surveyed, reflecting the core of the country’s regulated banking, financial and cooperative ecosystem.
Out of these 28 institutions, 26 reported net profits during the period under analysis. This means that 93% of the surveyed entities closed the year in positive territory, underscoring a broadly favorable operating environment and resilient earnings capacity across the system.
The sector as a whole generated a combined net income of USD 1,267 million, equivalent to Q 9,716 million in local currency. This aggregate result provides a clear measure of the scale and earnings depth of Guatemala’s financial industry at year-end 2025.
Net Income Benchmark: The Industry Performance Threshold
The net income benchmark for the Guatemalan market stands at USD 71.2 million. This benchmark is an indicator calculated on the basis of the performance of all competitors in the country and reflects the earnings level that institutions must reach in order to stand out within the sector.
In practical terms, it serves as a reference threshold for competitive positioning. Entities exceeding this level demonstrate above-average performance relative to the national industry standard, while those below it face greater pressure to improve efficiency, scale or business mix to strengthen their relative standing.
Ranking of Institutions by Final Net Result
Profit concentration remains a defining feature of Guatemala’s financial system. The ranking of competitors with the highest net results in 2025 is led by BANCO DE DESARROLLO RURAL, S. A., which posted USD 438 million in net income, positioning itself as the clear earnings leader of the market.
It is followed by BANCO INDUSTRIAL, S. A., with USD 314 million, consolidating its role as one of the structural pillars of the Guatemalan banking system. In third place stands BANCO G&T CONTINENTAL, S. A., which generated USD 140 million.
The next positions are occupied by BANCO DE LOS TRABAJADORES, with USD 98 million, and BANCO DE AMÉRICA CENTRAL, S. A., which reached USD 81 million in net income. All five institutions surpassed the industry benchmark of USD 71.2 million, confirming their above-average profitability and competitive strength.
The ranking continues with BANCO PROMERICA, S. A., reporting USD 61 million; BANCO INTERNACIONAL, S. A., with USD 41 million; CITIBANK, N.A., SUCURSAL GUATEMALA, which posted USD 20 million; BANCO AZTECA DE GUATEMALA, S. A., with USD 16 million; and BANCO AGROMERCANTIL DE GUATEMALA, S. A., closing with USD 15 million.
Market Concentration and Competitive Structure
The top five institutions with the highest results in the country jointly generated 84.4% of the total profits earned by the industry. This high concentration ratio highlights the dominant weight of leading players in shaping sector profitability and competitive dynamics.
While the vast majority of entities operate with positive results, earnings are clearly concentrated among a reduced group of large-scale institutions. This configuration suggests that scale, diversification and operational efficiency continue to be decisive factors in Guatemala’s banking and financial landscape.
As of December 2025, the sector presents a dual profile: broad-based profitability across most institutions, combined with a marked concentration of net income in the leading banks. For analysts and market participants, this balance between systemic resilience and competitive concentration will remain central to understanding future performance, strategic positioning and market share evolution within Guatemala’s financial system.