The late payment in the bank loans for families grew again and now reaches two digits in consumer lines: personal and credit cards. They are levels record for the series published by the Central Bank (BCRA), which starts in 2010.
According to the latest data, corresponding to January, the delinquency rates faced by banks in all lines rose 0.8 points in the month and reached 6.4% of the total portfolio of loans, which includes all lines to all types of clients. It is the maximum since the beginning of the data.
However, the most compromised segment is individualswhere the total irregularity reaches 10.6% of loans. In lines to companies, meanwhile, late payments reach 2.8% of the financing granted.
Payment problems for families grow
The total irregularity in the payments of the families reached double figures for the first time in January. With 10.6% of the total financed, arrears showed a increase of 7.9 percentage points compared to the same month in 2025 and an increase of 1.3 points compared to the immediately previous month.
The loans personal They are the ones who have a worse situation: the irregularity reached 13.2% of the total in January. Thus, it added 1.2 points in the month and 9.7 points in the last year.
For their part, late payments in credit cards jumped 1.7 points in January and reached 11% of the total. Compared to the level at the beginning of 2025, the increase was 9 points.
The loans pledgesfor their part, also saw an escalation in delinquencies. At a general level, it reached 6.3% in January and added 2.8 points in the last year. Now, the lines with UVA setting had a greater deterioration: the irregularity was 8.2% in the first month of this year, after adding 5.7 points in 12 months.
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Finally, the lines mortgage (which mostly adjust for UVA) continue to show the healthiest irregularity ratios, with 1.3% of the total. However, they accumulate four months on the rise.
Alert for defaults in companies
In the data published by the BCRA, there is no record of delinquency in credit lines. companies. However, the total irregularity added 2 percentage points in the last year and was 2.8% in January.
The credits mortgages and pledges companies exhibit the higher levels of delaywith 4.7% and 4.1%, respectively. In the comparison with the same month last year, the irregularity of mortgages added 0.2 points and in pledges it rose 2.9 points.
Loans in pesos grew very quickly in the first part of Javier Milei’s government and banks face an increase in delinquencies. (Photo: Adobe Stock).
Instead, the short term lines that companies use to finance working capital, show lower numbers. In the advances in current account, the default reached 2.8% in January and added 2 points in the last year. For its part, along the lines of documents reached 2.3% and increased 1.8 points in 12 months.
Although the aggregate numbers of delinquencies in companies are not that large, analysts highlighted that irregularity tripled in the last year. A report from the consultant Analytics warned that the 12.9% of firms have at least one debt in an irregular situation.
Read also: Why company defaults are growing
For its part, LCG warned that the relatively low delinquency rate reported by the BCRA contrasts with what representatives of different banking entities tell their analysts. According to the consultant, there are unrest in banks due to companies’ repayment problemsmainly in February and March.
“The same recessionin conjunction with certain deterioration of purchasing power and the growing difficulties in several productive sectors, is generating loan repayment problems, after a strong increase in the amounts granted several months ago,” he indicated. LCG.
