In 2025, the allocation of microcredits grew 8.6%: CNBV

The loans that traditional banks granted to the population with less access to financial services in the country grew 12 times more than the gross domestic product increased in the recent year, according to official figures from the National Banking and Securities Commission (CNBV).

In 2025, the microcredit portfolio reached a balance of 53,687 million pesos, which represents an increase of 8.6 percent, in real terms (when discounting inflation) compared to the 47,570 million in 2024.

This is an advance that far exceeds the general performance of the economy and confirms the expansion of this niche within commercial banking.

The relevance of this segment lies in the fact that, although its size within the banking system is limited compared to other portfolios, such as mortgage or business portfolios, its dynamism reflects greater penetration of formal lending in lower-income strata and microbusinesses, where informal financing traditionally predominated.

As they are small amounts that are granted to many people, microcredits allow banks to reach sectors that previously did not have access to formal financing. This not only expands the number of clients, it also generates additional income and helps more people and small businesses enter the financial system, even in a context in which the economy is growing little.

A concentrated market

Behind this aggregate growth there is a feature that completely defines this market: its high concentration.

At the end of December 2025, the total balance of the banking system’s microcredit portfolio amounted to 53,687 million pesos. Of that amount, 51,960 million corresponded to Compartamos, an institution that alone concentrated practically the entire segment and remains the dominant player in this specific niche.

In proportional terms, this implies that 96.8 percent of the microcredit portfolio is in that bank. The figure not only measures its weight within the segment, but also demonstrates the high degree of concentration that prevails in this niche.

Microcredit is a low-amount loan (5 thousand pesos on average) that banks grant to people who generally do not have access to traditional financing. It is aimed, above all, at informal workers, small merchants and microbusinesses that need resources to buy merchandise, invest in tools or meet expenses. related to their economic activity.

Microcredits are characterized by small amounts and short terms.