FINANCIERA PARAGUAYO JAPONESA S.A.E.C.A.
Rating and auditor (2026)
Apy
Solventa, outlook sensible (-). Auditor: Gestión Empresarial. Local scale ("py"): AAApy is the strongest in Paraguay, not a global rating.
Per employee (247 staff)
| Profit per employee, last 12 months | USD 24.4 k |
| Deposits per employee | USD 1.2 M |
| Loans per employee | USD 1.3 M |
Who it lends to
| Consumer loans (households) | 35 % | |
| Services | 13 % | |
| Wholesale trade | 10 % | |
| Mortgages (households) | 10 % | |
| Retail trade | 9 % | |
| Financial sector | 7 % | |
| Industry | 6 % | |
| Construction | 3 % | |
| Agriculture | 2 % | |
| Cattle | 2 % | |
| Real estate | 2 % | |
| Public administration | 0 % | |
| Other | 0 % |
2026-09, share of USD 339 M lent.
Accounts
Assets
USD 436 M
₲ 2.5 tn
2026-09 · +50 % in a year in USD (+25 % in ₲)
Liabilities
USD 395 M
₲ 2.3 tn
2026-09 · +51 % in a year in USD (+26 % in ₲)
Equity
USD 40.7 M
₲ 238 bn
2026-09 · +40 % in a year in USD (+17 % in ₲)
Deposits
USD 287 M
₲ 1.7 tn
2026-09 · +46 % in a year in USD (+22 % in ₲)
Net loans
USD 327 M
₲ 1.9 tn
2026-09 · +43 % in a year in USD (+19 % in ₲)
Profit, year to date
USD 2.1 M
₲ 12.1 bn
2026-09
Pre-tax profit, year to date
USD 1.8 M
₲ 10.7 bn
2026-08 · +7 % in a year in USD (-14 % in ₲)
Staff
247
2026-09 · -46 % in a year
Branches
15
2026-09 · +0 % in a year
ATMs
1
2026-09 · +0 % in a year
Tier 1 capital / risk-weighted assets
9.7 %
2026-09
Bad loans (past due / total)
6.4 %
2026-09
Return on assets (ROA)
0.7 %
2026-09
Return on equity (ROE)
7.4 %
2026-09
Liquidity (cash and short investments / deposits)
18.7 %
2026-09
Cost / operating margin
39.2 %
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).