BANCO NACIONAL DE FOMENTO
Who owns it
The Paraguayan state
Ultimate owner: Republic of Paraguay (public development bank)
Source: BNF charter (law; confidence high).
Rating and auditor (2026)
AAApy
Fix SCR, outlook estable. Auditor: BCA - Benítez Codas y Asociados. Local scale ("py"): AAApy is the strongest in Paraguay, not a global rating.
Per employee (1,642 staff)
| Profit per employee, last 12 months | USD 49.2 k |
| Deposits per employee | USD 2.2 M |
| Loans per employee | USD 2.1 M |
Who it lends to
| Consumer loans (households) | 44 % | |
| Agriculture | 16 % | |
| Mortgages (households) | 9 % | |
| Wholesale trade | 7 % | |
| Financial sector | 5 % | |
| Industry | 5 % | |
| Cattle | 5 % | |
| Retail trade | 4 % | |
| Services | 2 % | |
| Other | 1 % | |
| Construction | 1 % | |
| Real estate | 0 % | |
| Public administration | 0 % |
2026-09, share of USD 3.3 bn lent.
Accounts
Assets
USD 4.9 bn
₲ 28.4 tn
2026-09 · +33 % in a year in USD (+11 % in ₲)
Liabilities
USD 4.1 bn
₲ 24.0 tn
2026-09 · +33 % in a year in USD (+11 % in ₲)
Equity
USD 751 M
₲ 4.4 tn
2026-09 · +30 % in a year in USD (+8 % in ₲)
Deposits
USD 3.7 bn
₲ 21.4 tn
2026-09 · +32 % in a year in USD (+10 % in ₲)
Net loans
USD 3.4 bn
₲ 19.9 tn
2026-09 · +30 % in a year in USD (+8 % in ₲)
Profit, year to date
USD 63.1 M
₲ 368 bn
2026-09
Pre-tax profit, year to date
USD 69.3 M
₲ 404 bn
2026-09 · -6 % in a year in USD (-21 % in ₲)
Staff
1,642
2026-09 · +2 % in a year
Branches
79
2026-09 · -1 % in a year
ATMs
351
2024-11 · +6 % in a year
Tier 1 capital / risk-weighted assets
19.7 %
2026-09
Bad loans (past due / total)
5.3 %
2026-09
Return on assets (ROA)
1.9 %
2026-09
Return on equity (ROE)
13.4 %
2026-09
Liquidity (cash and short investments / deposits)
35.1 %
2026-09
Cost / operating margin
40.7 %
2026-09
Charts of money are in US dollars, each month at the central bank's month-end rate; the guaraní figure is under each dollar amount. Source: Banco Central del Paraguay (monthly returns, unaudited until the year closes).