Banco BANHPROVI

What Banco BANHPROVI does

Banco BANHPROVI (Banco Hondureño para la Producción y la Vivienda) is a state-owned development bank in Honduras, headquartered in Tegucigalpa with seven agency locations across Tegucigalpa, San Pedro Sula, Juticalpa, Danlí, Choluteca, Santa Rosa de Copán, and La Ceiba. It operates a dual banking model: Banca de Primer Piso, providing direct housing financing to individuals at regulated rates of 4% (social housing, up to L1.3 million) and 7% (medium housing, up to L4 million), and Banca de Segundo Piso, which channels wholesale funding to partner intermediary financial institutions — commercial banks, credit unions, microfinance organizations, and rural cajas — for on-lending across housing, food security, and production sectors. The bank is also the mandated administrator of four national guarantee funds (BCH-FG MIPYME, FOGASA, FIDEAGUA, FOGAPIAH) that absorb credit risk for partner institutions serving MSME, agricultural, water/irrigation, and affordable-housing borrowers.

The institution is regulated by the Comisión Nacional de Bancos y Seguros (CNBS), the Banco Central de Honduras (BCH), and the Secretaría de Finanzas (SEFIN), and reports transparency through COCOIN, ONADICI, IAIP, and HONDUCOMPRAS portals. In 2024, CAF (Development Bank of Latin America) approved a USD 400 million financing line to BANHPROVI to support the Plan Nacional de Inclusión Financiera para Vivienda 'Honduras Tiene Casa', with L11,000 million in housing financing placements projected for the 2024/2025 cycle. Distribution combines the 7-city direct branch network, a nationwide partner IFI network, an online pre-qualification portal (sol.banhprovi.gob.hn), and a financing calculator. No proprietary technology stack or AI/ML capabilities are disclosed in available sources; the platform is fundamentally a policy-driven credit intermediation and guarantee-administration vehicle rather than a technology-led business.

Name

Banco BANHPROVI

Legal name

Banco Hondureño para la Producción y la Vivienda

Website

https://banhprovi.gob.hn

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

BANHPROVI is a state-owned Honduran development bank providing subsidized direct housing loans (4-7%) and wholesale credit to partner banks, credit unions, and microfinance institutions for housing, food security, and production, while administering four national guarantee funds.

Ownership category

akta.pro rank

Product category

Development Banking

NAICS

Nondepository Credit Intermediation (5222), Depository Credit Intermediation (5221)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro industry

PRIMARYFSABAKAG

Housing & Urban Development Banks (Public)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Development & Public Sector Banking (DFIs, Postal/Savings Banks)

SECONDARYBPADACAC

National Development Banks & State Development Finance Institutions (DFIs)

Business & Public Services/International Organizations & Development/International Financial Institutions & Development Banks

SECONDARYBPAGABAM

Microfinance, Financial Inclusion & Inclusive Markets

Business & Public Services/Nonprofit, NGO & Social Services/International Development & Poverty Alleviation

Keywords

• Housing finance
• Development banking
• Credit guarantees
• Agricultural financing
• Wholesale lending

Headquarters

HQ city

Tegucigalpa

HQ country

Honduras

HQ region

Latin America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income on Financing: BANHPROVI generates revenue primarily through interest income on housing and production loans provided to individuals and businesses. The bank offers financing at regulated interest rates (4% for social housing, 7% for medium housing) through both direct lending and partner financial institutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

BANHPROVI is a Honduran state-owned development bank providing subsidized housing and production financing through two channels: direct lending (Banca de Primer Piso) to individuals for social and medium housing, and wholesale funding (Banca de Segundo Piso) to intermediary financial institutions for on-lending across housing, food security, and production sectors. It also administers four credit guarantee funds (BCH-FG MIPYME, FOGASA, FIDEAGUA, FOGAPIAH) that cover lender risk for micro, small, and medium enterprises and priority sectors.

Product overview

Banco BANHPROVI (Banco Hondureño para la Producción y la Vivienda) is a development bank operating a unified platform with three core service tiers: (1) Banca de Primer Piso providing direct housing financing to individuals, (2) Banca de Segundo Piso offering wholesale financing through Intermediary Financial Institutions (IFIs) for housing, food security, and production sectors, and (3) Fondos de Garantía (guarantee funds) including BCH-FG MIPYME, FOGASA, FIDEAGUA, and FOGAPIAH that provide credit risk coverage. The institution also provides digital self-service tools including online pre-qualification and a financing calculator. The product architecture is organized as a platform of financial products delivered through direct channels (branches, agencies) and partner channels (banks, cooperatives, microfinance institutions, rural cajas).

Differentiator

Problem solved

Functional benefit

Products and services

• Banca de Primer Piso - Vivienda (Direct Housing Financing) Direct housing financing for individuals in Honduras, offered as social housing (up to L1.3 million at 4% annual interest) and medium housing (up to L4 million at 7% annual interest). Borrowers must provide DNI, employment verification, savings statements, and property documentation. Terms range from 1 to 30 years.
• Banca de Segundo Piso - Vivienda (Wholesale Housing Financing) Wholesale financing program for Intermediary Financial Institutions (IFIs) — commercial banks, credit unions, microfinance, and rural cajas — to on-lend for social housing (up to L1.3M at 4% interest) and medium housing (up to L4M at 7% interest). Partners administer the loans to end borrowers.
• Banca de Segundo Piso - Seguridad Alimentaria (Food Security Financing) Wholesale financing channel for IFIs to provide credit for agricultural and food production activities supporting Honduras's food security programs. Funds are on-lent to producers and rural communities through partner intermediaries.
• Banca de Segundo Piso - Producción (Production Financing) Wholesale financing for production and business development through IFIs, supporting productive sector activities for small and medium producers across Honduras.
• Fondo de Garantía BCH-FG MIPYME Credit guarantee fund administered by BANHPROVI that provides risk coverage for loans to micro, small, and medium enterprises (MIPYMEs) originated through intermediary financial institutions.
• Fondo de Garantía FOGASA Credit guarantee fund supporting agricultural sector financing through risk coverage for approved agricultural lending operations originated via partner IFIs.
• Fondo de Garantía FIDEAGUA Credit guarantee fund supporting water and irrigation sector projects through risk coverage for approved operations originated through partner IFIs.
• Fondo de Garantía FOGAPIAH Credit guarantee fund supporting affordable housing access through risk coverage for housing financing operations originated via partner IFIs.
• Precalificación en Línea (Online Prequalification) Digital self-service platform enabling Honduran citizens to pre-qualify for BANHPROVI financing online. Includes video tutorials guiding users through the prequalification process.
• Calculadora de Financiamiento (Financing Calculator) Interactive calculator with slide and manual-input options for estimating financing quotas and loan parameters across housing, food security, and production loan products.

Quantifiable outcome

• Up to L1.3 million (USD ~52,000) financing available for social housing at 4% annual interest rate
• +3 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Partner Financial Institutions (IFIs)coreChannel Partner/ Reseller/ DistributorBANHPROVI works with a network of financial institutions including commercial banks, credit unions, microfinance organizations, and rural cajas to distribute its Banca de Segundo Piso financing products. Partner institutions administer loans originated through this wholesale funding mechanism.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Banco de Desarrollo Empresarial (Bancoldex) de Colombia: Colombia's state-owned development bank focused on MSME financing through second-tier channels and guarantee programs. Comparable to BANHPROVI's Banca de Segundo Piso model and its guarantee-fund architecture for MIPYME and productive-sector lending.
• Nacional Financiera (NAFIN) de México: Mexican state-owned development bank providing second-tier financing, guarantees and credit programs to MSMEs and productive sectors. Comparable to BANHPROVI's production-sector and guarantee-fund activities (BCH-FG MIPYME), though operating at materially larger scale.

Direct peers

• Fondo Nacional de Vivienda (FONAVIH) de Honduras: Honduran national housing fund historically tied to social-security-linked housing savings. Shares the same policy objective and geographic market as BANHPROVI and is the closest domestic comparator for subsidized housing finance in Honduras.
• Banco Centroamericano de Integración Económica (BCIE): Central American regional development bank providing wholesale funding and credit lines to member-country DFIs and housing programs. Functionally analogous to BANHPROVI's role as a second-tier lender and is a potential parallel funder/investor for Honduran housing finance.
• Banco Hipotecario de la Vivienda (BANHVI) de Costa Rica: Costa Rica's housing finance bank, which channels funds (bonos) to the financial system for low-income housing. Operates a similar second-tier/wholesale model to BANHPROVI's Banca de Segundo Piso and is structured around subsidized housing finance under a national mandate.
• Fondo Social para la Vivienda (FSV) de El Salvador: El Salvador's state-owned housing finance institution providing affordable mortgages and housing solutions for low-income households. Closely mirrors BANHPROVI's social-housing focus, regulated subsidized pricing model, and government-backed institutional structure.
• Banco Hipotecario Nacional (BHN) de Guatemala: Guatemala's state-owned mortgage and housing development bank, offering subsidized housing finance to low- and middle-income families. Directly comparable to BANHPROVI in mandate, product structure (social and medium housing tiers) and regional Central American DFI context.

Broad incumbents

• Banco Nacional de Panamá (Banconal): Panama's state-owned commercial bank that also administers housing-finance programs (e.g., Fondo de Ahorro Habitacional). A broader state-bank incumbent with overlapping housing-finance functions and similar Central American regional context.
• Instituto del Fondo Nacional de la Vivienda para los Trabajadores (INFONAVIT): Mexico's large federal housing fund providing subsidized mortgage financing to formal-sector workers. A broader, more established incumbent in the same Latin American social-housing finance space — useful as a scale and product-design benchmark for BANHPROVI.
• Banco de Desarrollo Rural (Banrural) de Guatemala: Guatemala's state-owned development bank focused on rural, agricultural and small-business credit. Comparable to BANHPROVI's production-sector Banca de Segundo Piso and FOGASA guarantee-fund activity, though operating at broader commercial-bank scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/BANHPROVIHN
• Facebookfacebook.com/BANHPROVIHONDURAS
• Instagraminstagram.com/banhprovihn
• LinkedInlinkedin.com/company/banhprovihn

Revenue estimate

Valuation estimate

Number of profiles

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 BANHPROVI