The Central Bank of Costa Rica confirmed that the national financial system remains solid, with adequate levels of solvency and liquidity, according to its most recent Financial Stability Report 2025.
Despite an international environment marked by geopolitical tensions and trade pressures, the system has demonstrated its ability to face adverse scenarios, according to stress tests applied by the monetary authority.
During 2025, credit to the private sector showed a slowdown in its growth, although it remained above the pace of the economy. However, an increase in consumer loans and credit cards was identified, which has raised red flags due to potential risks of over-indebtedness.
In terms of portfolio quality, delinquency indicators remained relatively stable, although with deterioration in credit segments denominated in colones, especially in consumer credit.
The Central Bank also warned about emerging risks, such as cyberattacks and extreme weather events, which are being incorporated into its analysis and supervisory models.
Authorities continue to strengthen regulation and risk management mechanisms, with the goal of preserving financial system stability in the medium term.
This is a news service prepared by ICS. For more information about the story, write to info@ics.cr or call 2519-9992 ICS, tax specialists.