Banco de Antigua

What Banco de Antigua does

Banco de Antigua (legal name: Banco de Antigua, S. A.; commercial brand: Bantigua / BDA) is a privately held Guatemalan commercial bank incorporated in July 1997 and operating under a full banking license supervised by the Superintendencia de Bancos de Guatemala. The bank functions as a niche microfinance institution and has been a subsidiary of diversified Latin American conglomerate Grupo Ribadeneira since May 2013. It targets micro and small entrepreneurs, individual consumers, remittance recipients, agricultural producers, women entrepreneurs, and SMEs across Guatemala, with stated emphasis on financial inclusion in rural and underserved segments. As of 2025, the bank reports 76,209 active clients served through a hybrid distribution model spanning 73 physical agencies across all Guatemalan departments, 9,500+ payment points via the Akisí electronic wallet network, 16 dedicated rural practical agencies for digital inclusion, in-store branches at Almacenes Japón retail locations, and digital channels including the App Bantigua mobile application (Android/iOS), Bantigua En Línea internet banking, and the Akisí Puedo e-wallet.

The core product suite is organized around (i) consumer and personal credit (Crédito Bantigua up to Q300,000 with no co-signer, Crédito Ya up to Q30,000, Crédito Electrodomésticos, Auto Yá, Crédito Moto/Mototaxi, Crédito Remesas); (ii) microenterprise and SME credit including Microcrédito Bantigua and vertical-specific products for cattle (Ganadero), swine (Porcino up to Q1M), and poultry (Avícola) producers, plus Crédito PYME ranging Q160,000-Q1,100,000; (iii) savings and time-deposit accounts (Ahorra Puedes, Ahorro Bantigua, Ahorro Especial, Renta Ahorro at 5% annualized, Cuenta Infantil, Akisí savings, Ahorro Remesas, Inversiones Bantigua with 30-730 day terms); (iv) cards (Tarjeta de Crédito Mastercard, women-focused Tarjeta de Crédito Ella with health benefits, Tarjeta de Débito Mastercard, Plan Todo Incluido service bundle); (v) remittance collection via Red Chapina network of 30+ partners; and (vi) ecosystem products including Pago de Planilla payroll, Mejor Casa Sostenible housing microcredit, and Amigos Aliados merchant network. Technology architecture is a typical regulated bank stack: core digital banking platform with mobile (Android/iOS) and web front-ends, ACH and ACH Inmediato interbank transfer rails, integration with Mastercard and Visa networks, the Red 5B multi-bank ATM network, payment integrations (Neolink, V.Way, TPago, POS terminals), and the Akisí electronic wallet supporting wallet-to-wallet transfers and QR payments.

The revenue model is a regulated banking model with six primary streams: net interest income from lending (the dominant stream across consumer, microenterprise, SME, agricultural, auto, motorcycle, and remittance-backed loans), interest expense on deposits and time investments (Q30-Q730 day terms), transaction and interchange fees on Mastercard/Visa cards and ACH transfers, FX spread and commissions on remittance services through Red Chapina, insurance commissions from bundled Seguros Universales products (life, health, parametric), and service fees for account maintenance, bill payments, and electronic banking. Distribution is hybrid: branch-led sales with field agents for microcredit and agricultural lending in rural areas, inside-store origination through Almacenes Japón, partner referrals for Amigos Aliados merchants and Red Chapina remittance agents, direct-to-consumer digital onboarding for Ahorra Puedes and Akisí savings, and community outreach through the Cuida Tu Futuro financial education program. The bank reports 1,000+ collaborators (1,038 active as of 2025), processes 88,077 digital transactions, and has grown the female client base to 41% of total (40,067 women) and women entrepreneurs to 48% of entrepreneur clients. No revenue figures, funding rounds, or valuation data are publicly disclosed.

Name

Banco de Antigua

Legal name

Banco de Antigua, S. A.

Website

https://bantigua.com.gt

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Banco de Antigua is a privately held Guatemalan microfinance bank (founded 1997; Grupo Ribadeneira subsidiary) serving 76,209 active micro and small entrepreneurs, consumers, agricultural producers, and remittance recipients through 73 branches, 9,500+ payment points, and digital channels across Guatemala.

Ownership category

akta.pro rank

Product category

Microfinance Banking

NAICS

Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (522180), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022), Personal Credit Institutions (6141)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Lending & Credit Disbursements (FSAMAKAH), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Microfinance banking
• Consumer credit products
• Agricultural microcredit
• Savings accounts
• Digital banking services

Headquarters

HQ city

Mixcos

HQ country

Guatemala

HQ region

Latin America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others, Infrastructure

Revenue model

1. Interest Income from Loans: Primary revenue from interest charged on consumer loans including Crédito Bantigua, auto loans, microcredit, and mortgage loans
2. Investment Products: Revenue from time deposits and investment certificates with terms from 30 to 730 days
3. Remittance Services: Fees and foreign exchange spread from remittance services through Red Chapina network
4. Card Services: Annual fees, interchange fees, and service charges from credit and debit cards including Mastercard products
5. Service Fees: Fees for bill payment services, account maintenance, and electronic banking transactions
6. Insurance Products: Commission income from insurance products including life, health, and parametric insurance bundled with loans

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels7 records

Core offering

Banco de Antigua is a Guatemalan microfinance bank that provides personal credit, business microcredit, savings accounts, fixed-term investments, Mastercard debit/credit cards, remittance collection, payroll services, and digital banking to micro and small entrepreneurs, individual consumers, SMEs, and remittance recipients across Guatemala. The bank distributes these offerings through 73 physical agencies, the App Bantigua and Bantigua En Línea digital channels, the Akisí electronic wallet, the 5B ATM network, and more than 9,500 payment points.

Product overview

Banco de Antigua is a Guatemalan microfinance bank founded in 1997, operating as a niche bank focused on serving individuals and small businesses through a comprehensive financial ecosystem. The product portfolio centers on personal and business credit products (Crédito Bantigua, Auto Yá, Crédito Ya, Crédito Electrodomésticos, Crédito Moto, Crédito Remesas, Microcrédito Bantigua, Microcrédito Ganadero, Microcrédito Porcino, Microcrédito Avícola, Crédito PYME), savings and investment accounts (Ahorra Puedes, Ahorro Bantigua, Ahorro Especial, Renta Ahorro, Cuenta Infantil, Cuenta de Ahorro Akisí, Ahorro Remesas, Inversiones Bantigua), card products (Tarjeta de Crédito Mastercard, Tarjeta de Crédito Ella, Tarjeta de Débito Mastercard, Plan Todo Incluido), remittance services (Remesas Bantigua), sustainable housing (Mejor Casa Sostenible), payroll processing (Pago de Planilla), and digital banking channels (Bantigua En Línea, App Bantigua, Akisí Puedo). The bank operates 73 branches and over 9,500 payment points nationwide, offering services in person and through electronic channels.

Differentiator

Problem solved

Functional benefit

Brands

• Mejor Casa: Sustainable housing finance program that provides inclusion, access, and progress to the Guatemalan population through accessible financial solutions that promote sustainable development.
• Akisí
• Ahorra Puedes

Products and services

• Crédito Bantigua

Quantifiable outcome

• 76,209 active clients served
• +4 more outcomes

Named customers8 records

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature6 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Red ChapinacoreChannel Partner/ Reseller/ DistributorStrategic partnership with Red Chapina remittance network providing access to 30+ remittance companies, enabling remittance collection services at 52 Banco de Antigua agencies without requiring beneficiaries to have a bank account.
• Seguros UniversalescoreStrategic or Co-development PartnerInsurance partner providing bundled insurance products including life insurance (Protege Vida), health insurance (Protege Salud), and parametric insurance for credit products. Also provides vehicle insurance (Mi Auto Me Protege) and motorcycle insurance (Mi Moto Me Protege).
• CentrarseminorStrategic or Co-development PartnerSustainability and social impact ally supporting the bank's inclusion and development programs.
• GABV (Global Alliance for Banking with Values)coreStrategic or Co-development PartnerInternational network of values-based banks committed to positive social and environmental impact. Banco de Antigua participates in Latin American chapter meetings and shares experiences on sustainable finance products.
• Almacenes JapóncoreChannel Partner/ Reseller/ DistributorMajor retail partner with branches inside stores for consumer credit, automotive loans (Auto Yá), and appliance financing (Electrodomésticos). Also promotes credit cards and conducts joint promotional campaigns.
• United WayminorStrategic or Co-development PartnerSocial impact partner supporting community development and financial inclusion initiatives.
• Centro Guatemalteco de Producción Más LimpiaminorStrategic or Co-development PartnerEnvironmental partner supporting the bank's pursuit of green office certification (Sello Oficina Verde) and environmental sustainability.
• EnifminorStrategic or Co-development PartnerSocial impact ally supporting financial inclusion programs and services.
• EQ (Environmental Quality)minorStrategic or Co-development PartnerEnvironmental sustainability ally supporting the bank's green initiatives and environmental responsibility programs.
• Red EcológicaminorStrategic or Co-development PartnerEnvironmental organization ally supporting the bank's sustainability and environmental protection initiatives.
• Caribe MotocuotaminorChannel Partner/ Reseller/ DistributorMotorcycle financing partner providing pre-qualification and multiple payment options for motorcycle purchases through partner dealerships.

Scale indicators9 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Banco Industrial: Largest commercial bank in Guatemala, offering consumer credit, savings, payments and corporate banking. Comparable as a broad incumbent competitor that increasingly targets the same micro and SME segments Banco de Antigua serves, with much greater balance sheet capacity.
• Banco G&T Continental: Major Guatemalan commercial bank with full-service retail, corporate and consumer credit offerings. Competes with Banco de Antigua across consumer loans, savings, cards and remittances, with a broader footprint and stronger corporate franchise.
• BAC Credomatic: One of the largest financial groups in Central America, offering banking, credit cards and consumer finance across Guatemala and the region. Comparable to Banco de Antigua in retail deposit-taking, consumer credit and remittance services, but at much larger regional scale.

Emerging players

• Compartamos Banco (Gentera): Latin American microfinance leader originally serving Mexico and expanding regionally. Closely comparable to Banco de Antigua in microcredit methodology, group lending and financial inclusion positioning, though operating at materially larger scale.

Direct peers

• Banco Agromercantil (BAM): Guatemalan bank historically focused on the agricultural sector with consumer and SME lending. Closely comparable to Banco de Antigua's agricultural microcredit franchise (Ganadero, Avícola, Porcino) and rural client base, though with a broader commercial banking overlay.
• Banrural: Guatemala's leading rural and microfinance-focused commercial bank with deep agricultural lending roots. Directly comparable to Banco de Antigua in target segments (rural, micro, agricultural) and microcredit product set, though Banrural has substantially larger scale.
• Banco Azteca: Mexican-origin mass-market consumer bank with deep Guatemalan presence targeting low-income consumers and informal merchants. Directly comparable to Banco de Antigua's microcredit, consumer loan and remittance business serving similar underbanked segments.

Regional players

• MiBanco (Peru): Peruvian microfinance bank serving small entrepreneurs and informal-sector borrowers with credit and savings products. Comparable to Banco de Antigua's microcredit and SME lending model, though operating exclusively in Peru rather than Guatemala.
• Banco de América Central (BAC Guatemala predecessor entities): Central American regional banks now consolidated under BAC Credomatic but historically competing in Guatemala's consumer and remittance markets. Comparable to Banco de Antigua in retail deposits, consumer credit and cross-border remittance services for the Guatemalan diaspora.

Others

• Seguros Universales (insurance partner): Core insurance partner bundling life, health and parametric cover with Banco de Antigua loans. Not a direct competitor but a strategic ecosystem participant whose distribution alignment directly enables Banco de Antigua's bundled-credit value proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCc1zC5MtFx7cud9Fb9jtI9Q
• Facebookfacebook.com/BancodeAntiguaGuatemala/photos/?ref=page_internal
• LinkedInlinkedin.com/company/banco-de-antigua-s-a-
• Instagraminstagram.com/bantigua_oficialgt

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Banco de Antigua