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BAC
Corporate BankingFinancial services partner · Why Guatemala
Foreign investment

Operate in Guatemala from day one

BAC combines regional experience, local knowledge and end-to-end financial solutions to support your company's growth in Guatemala: accounts, payroll, treasury, international payments and financing — on one platform that also covers El Salvador, Honduras, Nicaragua, Costa Rica and Panama.

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Torre BAC, BAC Credomatic's headquarters tower in Guatemala City

What sets BAC's offer apart?

6 countriesacross Central America
73+ yearsdriving business growth
6.2Mclients across the region
#1in profit, loan portfolio and deposits
Specialistsin financial solutions for foreign investors
Central America's largest regional groupNet loan portfolio · system US$229.5 billion
27.5
12.0%
Deposits · system US$267.2 billion
30.2
11.3%
US$ billions · BAC's value and market share
Solid financial indicators
AssetsUS$40.7bn
DepositsUS$30.2bn
Net incomeUS$789m
ROAE LTM19%
ROAA LTM2%
EquityUS$4.4bn
As of December 2025.

Source: BAC Credomatic, Business Solutions guide, 5th ed., Dec. 2025, pp. 1–2. Financial-system figures reported by Panama's Superintendencia de Bancos, as cited by BAC.

Financial solutions for foreign investment
Support spans from opening corporate accounts to financing, treasury and international trade.
Source: BAC, Business Solutions guide, Dec. 2025, pp. 6–44.
Corporate account opening
Accounts in quetzales and dollars to operate in Guatemala: Corporate Checking Account, Positive Check, Online Banking, and electronic payment of IGSS and SAT obligations (BancaSAT, DeclaraGUATE).For the investor: open your operating accounts and meet local obligations from month one.
Payment solutions
POS, payment links, e-commerce, recurring billing, e-invoicing and a corporate credit card with expense controls.For the investor: collect from local customers and control your executives' travel expenses.
Foreign trade
Multi-currency international transfers (euros, Mexican pesos, Swiss francs, yen, pounds sterling) via GPI service, competitive exchange rates, and supplier payments abroad.For the investor: pay international suppliers and move funds across currencies without opening accounts abroad.
Payroll and bulk payments
Electronic payroll processing at no cost to the company, bulk account opening for employees, and multi-bank supplier payments with authorization levels.For the investor: onboard and pay your new workforce from the first payroll run.
Digital Corporate Treasury
Host-to-host connection to your ERP, MT940/MT942 statements, automated reconciliation, cash pooling and BAC APIs to manage regional liquidity.For the investor: plug Guatemala into your group's treasury with no manual workload.
International payments
SWIFT GPI and Ameritransfer transfers, instant between BAC accounts across the region. Currencies: quetzales, dollars, euros, Mexican pesos, Swiss francs, yen and pounds.For the investor: fund your operation and pay suppliers in the currency you invoice in.
Corporate and sustainable financing
Long-term credit for assets and real estate, leasing, revolving credit lines, and sustainable credit for renewable energy, efficiency, water and construction.For the investor: finance plant, equipment and green upgrades in quetzales or dollars.
Correspondent banksBank of America · Citibank · Wells Fargo · Commerzbank · Standard Chartered · BradescoSource: BAC, Dec. 2025, p. 10.
Why it matters to the investor
01
Local compliance, digitallyThe corporate account includes electronic payment of IGSS and SAT obligations through BancaSAT and DeclaraGUATE.
02
One regional platform, in EnglishOnline Banking is standardized across GT, SV, HN, NI, CR and PA, available in Spanish and English, with per-user security levels.
03
Your ERP, connected to your bankDigital Corporate Treasury connects the company's ERP to BAC host-to-host, automating payroll, supplier payments, reconciliation and cash pooling.

Source: BAC Credomatic, Business Solutions guide, Dec. 2025, pp. 12, 16, 23.

Impact on payment flowsPayments processed through BAC represent 55% of Central America's GDP.
US$107
US$135
US$161
US$185
US$203
US$227
202020212022202320242025
CAGR: 16.3%YOY: 11.8%US$ billions · Source: BAC, Dec. 2025, p. 4.
Credit ratings
Ba1Stable outlookMoody's
BB+Stable outlookFitch Ratings
BBB- / A-3Positive outlookS&P Global

Source: BAC Credomatic, Business Solutions guide, Dec. 2025, p. 8.

How to start a foreign investment in Guatemala?
BAC supports foreign investors through the entire process of setting up and operating in Guatemala.
1
First conversationWe listen to your needs and goals to understand your project and share key information for your expansion into Guatemala.
2
Banking structureWe design the financial solutions best suited to your operating model in the country.
3
Opening and onboardingWe support account opening and onboarding with a clear, agile KYC process aligned with regulatory requirements.
4
Ongoing operationA dedicated executive supports you at every stage of your company's growth in Guatemala and the region.

Source: BAC, "Foreign Investment in Guatemala" landing page.

Cover of BAC's Business Solutions brochure
Ready to operate in Guatemala?Download the Business Solutions guide, BAC's bilingual (Spanish/English) corporate banking catalog, or schedule a meeting with their team.PDF · 48 pages · 3.1 MB · 5th ed., December 2025

Product information, figures and ratings are provided by BAC Credomatic and are subject to its own terms, conditions and eligibility criteria. Why Guatemala presents them for reference only; this is not financial advice or a credit offer.