2025 closed for Bancamiga with results that allowed it to consolidate its position as one of the leading institutions within the large segment, driven by the outstanding annual growth of its assets. As of December, its total assets reflected an annual increase of 631.12 %, positioning it as the second institution with the highest percentage growth within its segment.
Bancamiga’s annual performance was primarily driven by the expansion of its gross loan portfolio, which registered an annual increase of 847.03 %.
Regarding the asset composition as of December 2025, the loan portfolio represented the largest concentration at 39.37 %, registering an annual increase of 9.02 percentage points. This was followed by cash and cash equivalents at 29.67 %; investments in securities at 13.00 %; and other assets, which totaled 17.95 %.
The institution’s total assets achieved an average monthly growth of 18.15 % in 2025, surpassing the averages for the financial system (16.33 %) and the private banking sector (17.33 %). These results strengthen Bancamiga’s position as the seventh-largest bank in the country in terms of asset volume. By December 2025, Bancamiga had achieved a 7.92 % market share in the private banking sector and a 3.63 % market share in the Venezuelan Banking System.
Public deposits
As of the end of December 2025, Bancamiga’s total deposits registered an annual growth of 445.39 %, positioning it as the sixth-largest entity in the Venezuelan Banking System in this category. It also achieved an average monthly growth of 15.41 %, surpassing the 14.90 % of the Venezuelan Banking System and remaining in line with the 15.45 % of the private sector.
Regarding deposits in foreign currency, Bancamiga maintains a prominent position in the market, ranking among the top three private banks in public deposits in foreign currency. The institution holds 15.80 % of private banking deposits and 8.91 % of the Venezuelan Banking System’s deposits, solidifying its position as a leader in this segment.
In December 2025, Bancamiga closed with a level of foreign currency deposits that allowed it to maintain its position for the sixth consecutive month as the bank with the highest proportion of foreign currency deposits within the system, at 59.81 %. On an annual basis, it absorbed 3.57 percentage points from private banks and 1.94 percentage points from SBV (Banco de Venezuela).
Bancamiga’s growth in recent times has been supported by innovative products and services that meet customer needs, and by its commitment to bringing banking services to more Venezuelans, regardless of their location. This is why it promotes special operations throughout the country and travels across Venezuela with its mobile banking service, Bancamiga Móvil.
Structural gap
Bancamiga’s structural gap registered solid annual growth during 2025. It began at 44.18 % at the close of December 2024 and reached 50.43 % at the close of December 2025, representing a net increase of 6.25 percentage points.
This progress positions Bancamiga with a more robust structural gap, strengthening its financial intermediation capacity and operational stability at year-end. The annual increase allowed this growth to place Bancamiga above the banking system and the large banking sector by 10.51 and 11.22 percentage points, respectively, by the end of December.
Equity
Bancamiga closed 2025 as the largest financial institution with the highest relative growth, achieving an annual increase of 1,344.03 %. In contrast, the banking system as a whole showed an increase of 710.84 %, and private banks an increase of 858.95 %, demonstrating the institution’s solid performance and market leadership.
This result was reflected in a capital base that places Bancamiga as the fifth-largest institution in terms of capital within the private banking sector.
At year-end, the institution consolidated a market share of 3.23 % within the SBV (Social Banking System) and 6.64 % in private banking, representing increases of 1.42 and 2.23 percentage points, respectively.
Financial income
By December 2025, Bancamiga’s balance sheet registered a growth of 1,506.53% compared to December 2024, significantly exceeding the growth of the Venezuelan Banking System (SBV). Furthermore, the institution ranked among the top 5 private banks and the top 6 within the SBV.
This performance translated into a market share of 6.48% in the total system and 10.06% within the private sector, reflecting increases of 2.02 and 2.67 percentage points, respectively, compared to 2024.
Net result
Although the Venezuelan financial system showed annual growth of 1,111.3% by December 2025, Bancamiga achieved a relative growth of 18,963.3 %, consolidating its position as the institution with the highest growth within the large banking sector.
Bancamiga also strengthened its market share, reaching 3.16 % in the Venezuelan banking system and 5.81 % in the private banking sector, representing significant year-on-year increases of 2.95 and 5.14 percentage points, respectively.
Additionally, the bank reported a return on equity (ROE) of 88.01 % and a return on assets (ROA) of 16.28 %, indicators that highlight its efficiency and operational strength, according to a statement from the institution.
Information and image provided by Bancamiga Banco Universal
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