BanCoppel reports deterioration in its creditworthiness

Consumer spending in Mexico remains steady, but signs of a decrease in credit quality have begun to emerge, particularly among new applicants. This was noted by Carlos Lopez Moctezuma, CEO of BanCoppel, who acknowledged a deterioration in the credit process, despite portfolio growth.
The executive explained that this phenomenon is due, on the one hand, to higher levels of prior debt among customers; and on the other, to the expansion of financing options that puts pressure on repayment capacity.

“Customers’ credit capacity is already more saturated than before… And new customers tend to default more easily,” he said in an interview at the 89th Banking Convention.

In light of this, BanCoppel decided to tighten its screening criteria: the priority will be maintaining a healthy portfolio, even if that means slowing the pace of lending. The bank, which historically operates with delinquency rates above the system average due to its customer profile, has strengthened its support model: a network of 10,000 advisors who visit customers to restructure payments and prevent defaults.

Emphasizing that “rather than debt collectors, they are in-home financial advisors who help customers get out of financial rough patches and get back on track.” In addition to this, the executive underscored the importance of promoting financial education; before taking on new debt, it is necessary to understand one’s actual ability to pay.

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

By 2026, BanCoppel estimates that consumer credit will continue to grow, albeit with greater discipline and responsibility. The goal is to avoid accumulated risks heading into the next cycle. As part of its strategy, the bank is also promoting productive credit.

In partnership with Nacional Financiera, it plans to provide US$1.5 billion in secured financing, focused on small businesses.