BANCO FAMILIAR S.A.E.C.A.
Who owns it
Dispersed among families: Camperchioli (6 × 5.295 %), Laufer-Beissinger, Fadlala, Frutos, Arditi; 26.6 % others
Ultimate owner: No controlling holder; largest family block Camperchioli Chamorro ~31.8 %
Merging with Banco Atlas.
Source: Banco Familiar, composición accionaria (2026-10-20; confidence high).
Rating and auditor (2026)
AApy
Fix SCR, outlook estable. Auditor: Deloitte PY S.R.L.. Local scale ("py"): AAApy is the strongest in Paraguay, not a global rating.
Per employee (912 staff)
| Profit per employee, last 12 months | USD 81.7 k |
| Deposits per employee | USD 1.5 M |
| Loans per employee | USD 1.7 M |
Who it lends to
| Consumer loans (households) | 55 % | |
| Wholesale trade | 13 % | |
| Agriculture | 8 % | |
| Services | 7 % | |
| Retail trade | 4 % | |
| Industry | 3 % | |
| Construction | 2 % | |
| Other | 2 % | |
| Mortgages (households) | 2 % | |
| Financial sector | 2 % | |
| Cattle | 1 % | |
| Public administration | 0 % | |
| Real estate | 0 % |
2026-09, share of USD 1.6 bn lent.
Accounts
Assets
USD 2.1 bn
₲ 12.1 tn
2026-09 · +36 % in a year in USD (+14 % in ₲)
Liabilities
USD 1.8 bn
₲ 10.3 tn
2026-09 · +35 % in a year in USD (+12 % in ₲)
Equity
USD 309 M
₲ 1.8 tn
2026-09 · +44 % in a year in USD (+20 % in ₲)
Deposits
USD 1.4 bn
₲ 8.1 tn
2026-09 · +37 % in a year in USD (+14 % in ₲)
Net loans
USD 1.5 bn
₲ 9.0 tn
2026-09 · +37 % in a year in USD (+14 % in ₲)
Profit, year to date
USD 52.0 M
₲ 303 bn
2026-09
Pre-tax profit, year to date
USD 57.4 M
₲ 335 bn
2026-09 · +25 % in a year in USD (+5 % in ₲)
Staff
912
2026-09 · -1 % in a year
Branches
47
2026-09 · -2 % in a year
ATMs
60
2024-11 · -3 % in a year
Tier 1 capital / risk-weighted assets
11.3 %
2026-09
Bad loans (past due / total)
4.4 %
2026-09
Return on assets (ROA)
3.7 %
2026-09
Return on equity (ROE)
29.7 %
2026-09
Liquidity (cash and short investments / deposits)
28.4 %
2026-09
Cost / operating margin
40.9 %
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).