{"id":1892,"date":"2026-04-10T06:10:59","date_gmt":"2026-04-10T06:10:59","guid":{"rendered":"https:\/\/ics.cr\/?p=1892"},"modified":"2026-04-17T06:18:34","modified_gmt":"2026-04-17T06:18:34","slug":"costa-ricas-financial-system-remains-stable-despite-global-risks","status":"publish","type":"post","link":"https:\/\/ics.cr\/en\/sistema-financiero-de-costa-rica-se-mantiene-estable-pese-a-riesgos-globales\/","title":{"rendered":"Costa Rica's financial system remains stable, despite global risks"},"content":{"rendered":"<p>El Banco Central de Costa Rica confirm\u00f3 que el sistema financiero nacional se mantiene s\u00f3lido, con niveles adecuados de solvencia y liquidez, seg\u00fan su m\u00e1s reciente <a href=\"https:\/\/www.bccr.fi.cr\/comunicacion-y-prensa\/Docs_Comunicados_Prensa\/cp-bccr-009-2026-informe-anual-estabilidad-financiera-2025.pdf\" target=\"_blank\" rel=\"noopener\">Informe de Estabilidad Financiera 2025<span class=\"wpil-link-icon\" title=\"Link goes to external site.\" style=\"margin: 0 0 0 5px;\"><svg width=\"24\" height=\"24\" style=\"height:16px; width:16px; fill:#000000; stroke:#000000; display:inline-block;\" viewbox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:svg=\"http:\/\/www.w3.org\/2000\/svg\"><g id=\"wpil-svg-outbound-4-icon-path\">\r\n                            <g fill-rule=\"evenodd\" id=\"action\" stroke=\"none\" stroke-width=\"1\" transform=\"matrix(0.92307696,0,0,0.92307696,-1.8461539,-1.8461539)\">\r\n                                <g transform=\"translate(-270,-45)\">\r\n                                    <g transform=\"translate(272,47)\">\r\n                                        <path d=\"m 20,22 v 2.008845 C 20,25.108529 19.110326,26 18.008845,26 H 16 v -2 h 2 v -2 z m 0,-2 v -2 h -2 v 2 z m -6,6 h -3 v -2 h 3 z M 9,26 H 6 V 24 H 9 Z M 4,26 H 1.991155 C 0.89147046,26 0,25.110326 0,24.008845 V 22 h 2 v 2 H 4 Z M 0,20 v -3 h 2 v 3 z m 0,-5 v -3 h 2 v 3 z M 0,10 V 7.991155 C 0,6.8914705 0.88967395,6 1.991155,6 H 4 V 8 H 2 v 2 z M 6,6 H 8 V 8 H 6 Z\" \/>\r\n                                        <path d=\"M 24.008845,0 C 25.108529,0 26,0.88967395 26,1.991155 v 16.01769 C 26,19.108529 25.110326,20 24.008845,20 H 7.991155 C 6.8914705,20 6,19.110326 6,18.008845 V 1.991155 C 6,0.89147046 6.8896739,0 7.991155,0 Z M 8,2 H 24 V 18 H 8 Z\" \/>\r\n                                        <path d=\"m 21,12 c 0.552285,0 1,-0.447715 1,-1 V 5 C 22,4.4477152 21.552285,4 21,4 h -6 c -0.552285,0 -1,0.4477152 -1,1 0,0.5522847 0.447715,1 1,1 h 3.580002 l -6.287109,6.292893 c -0.390524,0.390524 -0.390524,1.02369 0,1.414214 0.390524,0.390524 1.02369,0.390524 1.414214,0 L 20,7.4190674 V 11 c 0,0.552285 0.447715,1 1,1 z\" \/>\r\n                                    <\/g>\r\n                                <\/g>\r\n                            <\/g>\r\n                        <\/g><\/svg><\/span><\/a>.<\/p>\n<p>A pesar de un entorno internacional marcado por tensiones geopol\u00edticas y presiones comerciales, el sistema ha demostrado capacidad para enfrentar escenarios adversos, de acuerdo con pruebas de estr\u00e9s aplicadas por la autoridad monetaria.<\/p>\n<p>Durante el 2025, el cr\u00e9dito al sector privado mostr\u00f3 una desaceleraci\u00f3n en su crecimiento, aunque se mantuvo por encima del ritmo de la econom\u00eda. Sin embargo, se identific\u00f3 un aumento en los pr\u00e9stamos de consumo y tarjetas, lo que ha generado se\u00f1ales de alerta por posibles riesgos de sobreendeudamiento.<\/p>\n<p>En t\u00e9rminos de calidad de cartera, los indicadores de morosidad se mantuvieron relativamente estables, aunque con deterioro en segmentos de cr\u00e9dito en colones, especialmente en consumo.<\/p>\n<p>El Banco Central tambi\u00e9n advirti\u00f3 sobre riesgos emergentes, como ciberataques y eventos clim\u00e1ticos extremos, los cuales est\u00e1n siendo incorporados en sus an\u00e1lisis y modelos de supervisi\u00f3n.<\/p>\n<p>Las autoridades contin\u00faan fortaleciendo la regulaci\u00f3n y los mecanismos de gesti\u00f3n de riesgos, con el objetivo de preservar la estabilidad del sistema financiero en el mediano plazo.<\/p>\n<p>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.<\/p>\n<style>\r\n.lwrp.link-whisper-related-posts{\r\n            \r\n            margin-top: 40px;\nmargin-bottom: 30px;\r\n        }\r\n        .lwrp .lwrp-title{\r\n            \r\n            \r\n        }.lwrp .lwrp-description{\r\n            \r\n            \r\n\r\n        }\r\n        .lwrp .lwrp-list-container{\r\n        }\r\n        .lwrp .lwrp-list-multi-container{\r\n            display: flex;\r\n        }\r\n        .lwrp .lwrp-list-double{\r\n            width: 48%;\r\n        }\r\n        .lwrp .lwrp-list-triple{\r\n            width: 32%;\r\n        }\r\n        .lwrp .lwrp-list-row-container{\r\n            display: flex;\r\n            justify-content: space-between;\r\n        }\r\n        .lwrp .lwrp-list-row-container .lwrp-list-item{\r\n            width: calc(25% - 20px);\r\n        }\r\n        .lwrp .lwrp-list-item:not(.lwrp-no-posts-message-item){\r\n            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}<\/style>\r\n<div id=\"link-whisper-related-posts-widget\" class=\"link-whisper-related-posts lwrp\">\r\n            <h2 class=\"lwrp-title\">Related Posts<\/h2>    \r\n        <div class=\"lwrp-list-container\">\r\n                                            <div class=\"lwrp-list-multi-container\">\r\n                    <ul class=\"lwrp-list lwrp-list-double lwrp-list-left\">\r\n                        <li class=\"lwrp-list-item\"><a href=\"https:\/\/ics.cr\/en\/legal-services\/real-estate-law-costa-rica\/\" class=\"lwrp-list-link\"><span class=\"lwrp-list-link-title-text\">Real Estate Law<\/span><\/a><\/li><li class=\"lwrp-list-item\"><a href=\"https:\/\/ics.cr\/en\/costa-rican-economy-to-grow-42-this-year-according-to-central-bank\/\" class=\"lwrp-list-link\"><span class=\"lwrp-list-link-title-text\">Costa Rican economy to grow 4.2% this year, according to the Central Bank.<\/span><\/a><\/li><li class=\"lwrp-list-item\"><a href=\"https:\/\/ics.cr\/en\/central-bank-clarifies-that-sinpe-movil-operates-without-restrictions\/\" class=\"lwrp-list-link\"><span class=\"lwrp-list-link-title-text\">Central Bank clarifies: SINPE M\u00f3vil operates without restrictions<\/span><\/a><\/li><li class=\"lwrp-list-item\"><a href=\"https:\/\/ics.cr\/en\/5-things-to-know-before-buying-land-in-costa-rica\/\" class=\"lwrp-list-link\"><span class=\"lwrp-list-link-title-text\">5 Things to Know Before Buying Land in Costa Rica<\/span><\/a><\/li>                    <\/ul>\r\n                    <ul class=\"lwrp-list lwrp-list-double lwrp-list-right\">\r\n                        <li class=\"lwrp-list-item\"><a href=\"https:\/\/ics.cr\/en\/costa-rica-is-a-cooperating-country-with-the-european-union-and-is-working-to-address-outstanding-commitments\/\" class=\"lwrp-list-link\"><span class=\"lwrp-list-link-title-text\">Costa Rica is a cooperating country with the European Union and is working on outstanding commitments.<\/span><\/a><\/li><li class=\"lwrp-list-item\"><a href=\"https:\/\/ics.cr\/en\/published-in-the-official-gazette-guidelines-for-the-implementation-of-teleworking-in-the-public-sector-to-road-crisis-due-to-interventions-of-the-mopt-in-the-gam\/\" class=\"lwrp-list-link\"><span class=\"lwrp-list-link-title-text\">Published in the Official Gazette La Gaceta Guidelines for the implementation of telework in the public sector due to the road crisis caused by MOPT interventions in the GAM.<\/span><\/a><\/li><li class=\"lwrp-list-item\"><a href=\"https:\/\/ics.cr\/en\/ministry-of-finance-announces-customs-auctions-of-goods\/\" class=\"lwrp-list-link\"><span class=\"lwrp-list-link-title-text\">Ministry of Finance announces customs auctions of goods<\/span><\/a><\/li><li class=\"lwrp-list-item\"><a href=\"https:\/\/ics.cr\/en\/legal-services\/strategic-fiscal-diagnosis-costa-rica\/\" class=\"lwrp-list-link\"><span class=\"lwrp-list-link-title-text\">Strategic Fiscal Diagnosis<\/span><\/a><\/li>                    <\/ul>\r\n                <\/div>\r\n                        <\/div>\r\n<\/div>","protected":false},"excerpt":{"rendered":"<p>El Banco Central de Costa Rica confirm\u00f3 que el sistema financiero nacional mantiene condiciones adecuadas de solvencia y liquidez durante 2025, resistiendo tensiones geopol\u00edticas y presiones comerciales internacionales. No obstante, el BCCR advierte sobre un aumento en la mora de cr\u00e9ditos en colones, especialmente en consumo y tarjetas, como se\u00f1al de posible sobreendeudamiento en esos segmentos.<\/p>","protected":false},"author":2,"featured_media":723,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[11],"tags":[],"class_list":["post-1892","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias"],"acf":[],"_links":{"self":[{"href":"https:\/\/ics.cr\/en\/wp-json\/wp\/v2\/posts\/1892","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ics.cr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ics.cr\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ics.cr\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/ics.cr\/en\/wp-json\/wp\/v2\/comments?post=1892"}],"version-history":[{"count":1,"href":"https:\/\/ics.cr\/en\/wp-json\/wp\/v2\/posts\/1892\/revisions"}],"predecessor-version":[{"id":1893,"href":"https:\/\/ics.cr\/en\/wp-json\/wp\/v2\/posts\/1892\/revisions\/1893"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ics.cr\/en\/wp-json\/wp\/v2\/media\/723"}],"wp:attachment":[{"href":"https:\/\/ics.cr\/en\/wp-json\/wp\/v2\/media?parent=1892"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ics.cr\/en\/wp-json\/wp\/v2\/categories?post=1892"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ics.cr\/en\/wp-json\/wp\/v2\/tags?post=1892"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}