CIBanco and Intercam: the impact was immediately felt in their deposit figures.

The impact on CIBanco and Intercam Banco, following accusations made by the U.S. Treasury Department on June 25 that they (along with Vector Casa de Bolsa) allegedly enabled money laundering operations, began to be felt almost immediately.

The negative effect was felt primarily in its deposit figures, which registered declines at the end of June, just a few days after the allegations were made.

In the case of CIBanco, according to figures from the National Banking and Securities Commission (CNBV), while in May 2025 it had assets of 140.184 billion pesos, in June they stood at 124.269 billion, a monthly reduction of 11.60% and an annual reduction of 3.17%.

Within assets, investments in financial instruments, based on data from the regulator, showed a monthly decrease of 11.01%, and transactions with financial instruments and derivatives fell 36.0% over the period.

Regarding liabilities (which include fundraising), in May, CIBanco had 134.333 billion pesos, and in June, they stood at 118.254 billion, a monthly decrease of 12.22% and an annual decrease of 3.77%.

Within liabilities, total deposits increased from 51.082 billion pesos to 38.27 billion pesos during the period, a monthly decrease of 25.29% and an annual decrease of 17.97%.

Demand deposits showed a monthly decrease of 22.2%, from 13.627 billion pesos to 10.631 billion, and an annual decrease of 39.81%.

Minor in Intercam

At Intercam Banco, the effect was milder, at least according to the data available at the end of June.

According to information from the CNBV, assets increased from 92.721 billion pesos in May to 94.483 billion pesos in June, representing a monthly growth of 1.61% and an annual growth of 30.37%.

Where Intercam also had a negative impact was in total deposits (part of liabilities), which fell from 40.967 billion in May to 37.6 billion in June, a monthly decrease of 8.48% and an annual decrease of 2.83%.

Within this segment, traditional deposits decreased 8.53% monthly and 2.70% annually; while demand deposits decreased 4.83% monthly and grew 1.05% annually.

Other impacts

These negative impacts on deposit figures for CIBanco and Intercam were reflected at the close of June, just a few days after the Treasury Department's accusations on the 25th of that month. It remains to be seen how these and other figures performed in July and August.

But another effect, according to information that has been released, is the withdrawal of various trusts managed primarily by CIBanco, to be operated by other entities.

Similarly, in the case of CIBanco, at the end of June, it was also announced that Visa had unilaterally decided to disconnect its platform for all international transactions involving cards issued by the financial institution, especially "CICash Multicurrency."

Solid capital and liquidity

Other indicators, such as the Capitalization Ratio (ICAP) and the Liquidity Coverage Ratio (LCR), remained solid for both banks, at least according to the most recent official information.

In the case of CIBanco, its ICAP (Capital Interest Rate) as of May was 13.8% (when the minimum required is 10.5%), and its CCL (Corporate Interest Rate) was around 250% for the second quarter of the year; while at Intercam, it was 21.7% and 340%, respectively.

Investments in financial instruments showed a monthly decline of 11.01%, and transactions with financial instruments and derivatives fell by 36.0%.