Zeta Banco S.A.E.C.A.
Who owns it
Local shareholders, with BNB Corporación Paraguay (Bolivia's BNB group) 35 % of the capital since 2025
Ultimate owner: BNB group (Bolivia) and undisclosed local holders
Source: BCP authorisation reported by Última Hora; La Nación (2025-2026; confidence low).
Rating and auditor (2026)
AA-py
Solventa, outlook estable. Auditor: BCA - Benitez Codas y Asociados. Local scale ("py"): AAApy is the strongest in Paraguay, not a global rating.
Per employee (238 staff)
| Profit per employee, last 12 months | USD 35.7 k |
| Deposits per employee | USD 2.8 M |
| Loans per employee | USD 3.0 M |
Who it lends to
| Services | 31 % | |
| Agriculture | 15 % | |
| Retail trade | 12 % | |
| Wholesale trade | 9 % | |
| Financial sector | 8 % | |
| Cattle | 7 % | |
| Real estate | 6 % | |
| Industry | 5 % | |
| Consumer loans (households) | 2 % | |
| Construction | 2 % | |
| Public administration | 1 % | |
| Mortgages (households) | 1 % | |
| Other | 0 % |
2026-09, share of USD 670 M lent.
Accounts
Assets
USD 1.1 bn
₲ 6.6 tn
2026-09 · +53 % in a year in USD (+27 % in ₲)
Liabilities
USD 1.0 bn
₲ 5.9 tn
2026-09 · +56 % in a year in USD (+30 % in ₲)
Equity
USD 109 M
₲ 635 bn
2026-09 · +24 % in a year in USD (+3 % in ₲)
Deposits
USD 658 M
₲ 3.8 tn
2026-09 · +60 % in a year in USD (+34 % in ₲)
Net loans
USD 703 M
₲ 4.1 tn
2026-09 · +42 % in a year in USD (+18 % in ₲)
Profit, year to date
USD 7.6 M
₲ 44.2 bn
2026-09
Pre-tax profit, year to date
USD 8.2 M
₲ 48.0 bn
2026-09 · +73 % in a year in USD (+44 % in ₲)
Staff
238
2026-09 · +5 % in a year
Branches
20
2026-09 · +0 % in a year
ATMs
4
2024-11
Tier 1 capital / risk-weighted assets
14.0 %
2026-09
Bad loans (past due / total)
1.5 %
2026-09
Return on assets (ROA)
1.0 %
2026-09
Return on equity (ROE)
10.8 %
2026-09
Liquidity (cash and short investments / deposits)
43.8 %
2026-09
Cost / operating margin
53.1 %
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).