BANCO BASA S.A.
Who owns it
Sarah Cartes, about 91 %
Ultimate owner: Cartes family (commercially linked to Grupo Cartes)
Former Banco Amambay.
Source: FIX rating report (2022; confidence medium).
Rating and auditor (2026)
AA-py
Fix SCR, outlook sensible. Auditor: Amaral & Asociados. Local scale ("py"): AAApy is the strongest in Paraguay, not a global rating.
Per employee (464 staff)
| Profit per employee, last 12 months | USD 21.6 k |
| Deposits per employee | USD 2.8 M |
| Loans per employee | USD 2.8 M |
Who it lends to
| Consumer loans (households) | 20 % | |
| Wholesale trade | 14 % | |
| Mortgages (households) | 11 % | |
| Agriculture | 10 % | |
| Industry | 10 % | |
| Services | 9 % | |
| Real estate | 7 % | |
| Retail trade | 5 % | |
| Cattle | 4 % | |
| Financial sector | 4 % | |
| Construction | 4 % | |
| Public administration | 2 % | |
| Other | 2 % |
2026-09, share of USD 1.4 bn lent.
Accounts
Assets
USD 2.0 bn
₲ 11.5 tn
2026-09 · +19 % in a year in USD (-1 % in ₲)
Liabilities
USD 1.8 bn
₲ 10.3 tn
2026-09 · +18 % in a year in USD (-1 % in ₲)
Equity
USD 197 M
₲ 1.1 tn
2026-09 · +22 % in a year in USD (+1 % in ₲)
Deposits
USD 1.3 bn
₲ 7.5 tn
2026-09 · +20 % in a year in USD (-0 % in ₲)
Net loans
USD 1.3 bn
₲ 7.7 tn
2026-09 · +19 % in a year in USD (-1 % in ₲)
Profit, year to date
USD 7.7 M
₲ 44.9 bn
2026-09
Pre-tax profit, year to date
USD 8.0 M
₲ 46.9 bn
2026-09 · -47 % in a year in USD (-56 % in ₲)
Staff
464
2026-09 · -4 % in a year
Branches
10
2026-09 · -17 % in a year
ATMs
21
2024-11 · +31 % in a year
Tier 1 capital / risk-weighted assets
11.7 %
2026-09
Bad loans (past due / total)
4.2 %
2026-09
Return on assets (ROA)
0.5 %
2026-09
Return on equity (ROE)
5.7 %
2026-09
Liquidity (cash and short investments / deposits)
30.7 %
2026-09
Cost / operating margin
58.5 %
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).