Bancoppel will take more precautions with new credit clients

Cancún, QR., The dynamism of consumption in Mexico is maintained, but it is beginning to show signs of wear and tear in the quality of credit, particularly among new applicants. This was warned by Carlos López-Moctezuma Jassán, general director of Bancoppel, who recognized a deterioration in origination, despite the growth of portfolios.

“In general, consumption is going well and we have managed to grow our portfolios, but in origination I see some deterioration,” he declared in an interview held during the 89th Banking Convention.

“The credit quality of new clients is not as good as last year.”

The manager explained that this phenomenon responds to several factors. On the one hand, a higher level of previous indebtedness among clients; on the other, an expansion of financing options that puts pressure on the payment capacity.

“Customers have their credit capacity saturated and new ones become delinquent more easily.”

The context, he added, also reflects a turning point in the income of the lower-income segments. After several years driven by increases in the minimum wage and social programs, these drivers are beginning to stabilize.

“That income that helped maintain consumption is already capped. We have reached a peak and we are not going to see it grow anymore,” said López-Moctezuma.

Given this scenario, Bancoppel – a financial company focused on consumer credit in popular segments – will choose to strengthen its filters. The priority, the manager added, will be to maintain a healthy portfolio, even if this means moderating the pace of placement.

“We have to be more careful in the way we originate… maintain an adequate level of delinquency,” he noted.

The bank, which historically operates with delinquency levels higher than the system average due to the profile of its clients, has reinforced its support model. It highlights a network of 10 thousand advisors who visit users to restructure payments and avoid defaults.

“More than collections, they are financial advisors at home. They help clients get out of slumps and get up to speed,” he explained.

In the face of higher consumption events, such as the Soccer World Cup, the bank anticipates a temporary rebound in sales and financing, although without modifying its prudent stance. “It will be a positive effect, but temporary… we must take advantage of it, with caution in the origination,” he recommended.

In parallel, the manager stressed the importance of strengthening financial education among users. The message is clear: “before acquiring new debt, it is necessary to understand the real payment capacity.

“The most important thing is to analyze how much money you have left after your expenses… and with that decide if you can take on more financing or need to save,” he advised.

Bancoppel expects consumer credit to continue growing this year, although with greater discipline. The objective, he emphasized, is to avoid accumulated risks towards the next cycle.

“The portfolios will continue to increase, but we have to close the year with healthy origination to avoid surprises in 2027,” he stated. As part of its strategy, the bank also promotes productive credit. In alliance with Nacional Financiera, it plans to place 27 billion pesos in financing with guarantees, focused on small businesses.

“We have already begun to grant loans for productive activities to clients who previously only received personal loans, now with better rates.”