Spanish
At the close of its 2025 fiscal year, the Popular Savings and Loans Association (APAP) showed a remarkable performance in its main indicators, registering the highest growth in savings in the last five years.
Likewise, the financial entity presented growth above the system in its credit portfolio, mainly commercial, consumption and credit card.
Gustavo Ariza, executive president of APAP, highlighted that "the behavior of savings constituted one of the most relevant milestones of 2025, reaching a balance of 35,648 million pesos, with a growth of 20.4% above the 10.6% of the financial system".
Total deposits amounted to 122.477 million pesos, representing a 3.2% growth, considering a balance in financial certificates of 86.829 million pesos.
In that order, APAP's gross loan portfolio grew by 14.3% for a total of 118,916 million pesos, surpassing the 9.46% of the financial sector.
The commercial portfolio reached 21.808 billion pesos for a growth of 18.4%, while the consumer portfolio amounted to 27.206 billion pesos, showing a growth of 17.6%; meanwhile, credit card reached 9.116 billion pesos for an increase of 15.9%.
When presenting the main financial indicators of the entity to communication executives and opinion leaders, Ariza indicated that the total assets of the financial entity reached 179.452 million pesos for a growth of 1.8%; while the equity stood at 34.115 million pesos, with an increase of 9.6% compared to the previous year.
The CEO of APAP highlighted that the solvency ratio was 35.17%, significantly exceeding the regulatory requirements of 10%.
The return on assets (ROA) stood at 1.66% and the return before tax on equity (ROAE) reached 10.70%.
On the other hand, financial income showed a favorable performance, with an increase of 18.1% compared to the previous year. While net profits reached 2,958 million pesos.
"This period represented significant advances for our institution, characterized by stable financial growth, prudent risk management, and the strengthening of the trust of our saving partners and clients," Ariza emphasized.
