FIC SOCIEDAD ANÓNIMA DE FINANZAS
Rating and auditor (2026)
A-py
Evaluadora Latinoamericana, outlook estable. Auditor: J.C. DESCALZO. Local scale ("py"): AAApy is the strongest in Paraguay, not a global rating.
Per employee (112 staff)
| Profit per employee, last 12 months | USD 1.0 k |
| Deposits per employee | USD 1.6 M |
| Loans per employee | USD 1.6 M |
Who it lends to
| Consumer loans (households) | 29 % | |
| Wholesale trade | 16 % | |
| Services | 15 % | |
| Retail trade | 11 % | |
| Agriculture | 9 % | |
| Industry | 6 % | |
| Mortgages (households) | 5 % | |
| Construction | 4 % | |
| Real estate | 3 % | |
| Financial sector | 2 % | |
| Cattle | 1 % | |
| Public administration | 0 % | |
| Other | 0 % |
2026-09, share of USD 185 M lent.
Accounts
Assets
USD 241 M
₲ 1.4 tn
2026-09 · +35 % in a year in USD (+13 % in ₲)
Liabilities
USD 213 M
₲ 1.2 tn
2026-09 · +38 % in a year in USD (+15 % in ₲)
Equity
USD 27.6 M
₲ 161 bn
2026-09 · +17 % in a year in USD (-2 % in ₲)
Deposits
USD 178 M
₲ 1.0 tn
2026-09 · +40 % in a year in USD (+16 % in ₲)
Net loans
USD 179 M
₲ 1.0 tn
2026-09 · +20 % in a year in USD (+0 % in ₲)
Profit, year to date
USD 33.4 k
₲ 195 M
2026-09
Pre-tax profit, year to date
USD 42.0 k
₲ 245 M
2026-09 · -95 % in a year in USD (-96 % in ₲)
Staff
112
2026-09 · +9 % in a year
Branches
10
2026-09 · +25 % in a year
ATMs
0
2026-09
Tier 1 capital / risk-weighted assets
14.2 %
2026-09
Bad loans (past due / total)
6.8 %
2026-09
Return on assets (ROA)
0.0 %
2026-09
Return on equity (ROE)
0.2 %
2026-09
Liquidity (cash and short investments / deposits)
23.7 %
2026-09
Cost / operating margin
57.5 %
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).