BANCO ATLAS S.A.
Who owns it
Zuccolillo family and partners
Ultimate owner: Graciela Pappalardo de Zuccolillo 18.34 % of votes, six holders at 13.61 % each (Zuccolillo Pappalardo family members and Jorge Mendelzon Libster); linked to Grupo AZETA
Merging with Banco Familiar (BCP resolution 9, 2025-01-17).
Source: Banco Atlas, nómina de accionistas; FIX rating (2025; confidence medium).
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 (617 staff)
| Profit per employee, last 12 months | USD 83.9 k |
| Deposits per employee | USD 2.5 M |
| Loans per employee | USD 2.6 M |
Who it lends to
| Agriculture | 19 % | |
| Mortgages (households) | 15 % | |
| Services | 15 % | |
| Consumer loans (households) | 14 % | |
| Wholesale trade | 9 % | |
| Industry | 8 % | |
| Retail trade | 6 % | |
| Cattle | 6 % | |
| Real estate | 2 % | |
| Construction | 2 % | |
| Other | 2 % | |
| Financial sector | 2 % | |
| Public administration | 1 % |
2026-09, share of USD 1.7 bn lent.
Accounts
Assets
USD 2.3 bn
₲ 13.2 tn
2026-09 · +31 % in a year in USD (+9 % in ₲)
Liabilities
USD 2.0 bn
₲ 11.5 tn
2026-09 · +30 % in a year in USD (+9 % in ₲)
Equity
USD 280 M
₲ 1.6 tn
2026-09 · +32 % in a year in USD (+10 % in ₲)
Deposits
USD 1.5 bn
₲ 8.9 tn
2026-09 · +28 % in a year in USD (+7 % in ₲)
Net loans
USD 1.6 bn
₲ 9.5 tn
2026-09 · +39 % in a year in USD (+15 % in ₲)
Profit, year to date
USD 35.8 M
₲ 209 bn
2026-09
Pre-tax profit, year to date
USD 38.9 M
₲ 227 bn
2026-09 · +2 % in a year in USD (-15 % in ₲)
Staff
617
2026-09 · +7 % in a year
Branches
28
2026-09 · +0 % in a year
ATMs
35
2024-11 · +6 % in a year
Tier 1 capital / risk-weighted assets
12.5 %
2026-09
Bad loans (past due / total)
2.4 %
2026-09
Return on assets (ROA)
2.3 %
2026-09
Return on equity (ROE)
21.3 %
2026-09
Liquidity (cash and short investments / deposits)
31.4 %
2026-09
Cost / operating margin
47.1 %
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).