Banking CEOs supported Caputo's statements: delinquency has started to decline and financing is increasing.

The main financial entities in the country began to publicly confirm what the Minister of Economy, Luis "Toto" Caputo, had anticipated days earlier: delinquency in loans and credit cards has stopped accelerating and started to stabilize following discussions held between the Government and private banks.

During the AIFI 2026 financial event, CEOs from entities such as Banco Macro, Supervielle, Hipotecario, and Ualá agreed that the irregularity in loan payments has found a brake and that refinancings with lower rates and longer terms have already begun to yield results.

The support from bankers comes after Caputo's statements, in which he explained that the Executive asked financial entities to avoid aggressive strategies against delinquent clients and to facilitate debt restructurings. The minister also pointed out that many banks granted “bad loans” during the rapid expansion of private financing after the end of the scheme where a large part of the banking business depended on the State and the Central Bank.

One of the clearest was Gustavo “Paco” Manríquez, CEO of Banco Supervielle, who stated that “delinquency has plateaued, it is no longer growing” and emphasized that the situation requires closeness with clients to refinance and restructure obligations. He also highlighted that the stability of rates will be key to sustaining the recovery of credit.

In the same vein, Juan Parma, CEO of Banco Macro, expressed that delinquency among individuals “almost quadrupled” over the past year, but assured that the scenario began to reverse in March and that April already showed a slight improvement. Additionally, he confirmed a significant drop in rates for long-term personal loans, which fell from 70% to 55%.

The president of the Central Bank, Santiago Bausili, ruled out implementing regulatory measures to compulsorily alleviate debts and made it clear that solutions must come from private entities in a context where private credit grew by up to 95% due to macroeconomic improvement.

Caputo had attributed part of the problem to over-indebtedness generated during the previous inflationary phase, when many families took out loans betting that inflation would erode the installments. However, the rapid inflation deceleration driven by the Government of Javier Milei completely changed that scenario.

The banks themselves emphasized that credit will continue to grow, especially in productive sectors such as mining and Vaca Muerta, driven by the new economic scheme based on fiscal surplus, low inflation, and recovery of predictability.