Programa Bienestar (Wellbeing Program)

As of September 30th, 2026, the Programa Bienestar (Wellbeing Program) had granted more than 476,000 debt consolidation loans, representing USD2.88 billion disbursed. Of all the families served, more than 168,000 achieved a balanced relationship between their income and payment obligations, while 57,150 families began building a savings culture through the program.

Social Housing

We finance low-income housing on soft terms. We participate in fairs that promote housing projects with the endorsement of the Instituto de Fomento de Hipotecas Aseguradas of Guatemala (Institute for the Promotion of Insured Mortgages).

Digital platform with free access to more than 99 courses and six specialized programs covering Social Media Marketing Foundations, Practical Excel, English, and Coaching, developed by Crehana. Since its launch in December 2025, it has registered more than 40,200 users.

Free personal finance advice office for workers, whether they are Bantrab clients or not. It has provided more than 18,900 personalized counseling sessions and more than 3,600 conferences benefiting over 246,000 Guatemalans. In addition, it has disbursed more than US$27.1 million debt consolidation loans.

Bantrab firmly believes in labor inclusion and provides employment opportunities for people with intellectual disabilities. In this way, contributes to enhancing their independence, productivity, and personal development.

In 2026, this initiative provides 19 internships at Bantrab to students from Instituto Neurológico de Guatemala (Neurological Institute of Guatemala), including two students with visual impairments.

It is a comprehensive program designed to support people over 60, with solutions aimed at strengthening their independence, security, and quality of life.
The program benefits 14,642 people through its various products and services.
It provides tools that promote well-being across physical, emotional, social, and financial dimensions, including:

• Advisory Services: Through the ABC del Accionista program, more than 50 people received legal counseling.
• Financial Products: Tailored products to this stage of life, including loans, investment options, savings accounts with a 2% interest rate, progressive savings accounts with a 5.5% interest rate, checking accounts, and insurance coverage up to age 100.
• Inclusion: Promotion of active participation through 200 part-time employment opportunities at Bantrab, a job board, and volunteer programs.

Annual hiring of 20 graduates from public schools, who achieve the highest scores in the Graduate Evaluation.

Lack of work experience is one of the barriers preventing young people to entering the job market. Since 2022, 318 young people have developed their talent and gained work experience through this initiative; of these, 70 joined the institution in 2026. 

This initiative, in collaboration with Ministerio de Trabajo y Previsión Social (Ministry of Labor and Social Welfare), facilitates the acquisition of skills and abilities, allowing apprentices to earn the minimum salary and enjoy legal benefits.

Women are the foundation of wellbeing in families, communities, and the nation. Despite this, they often face unequal opportunities for personal and professional growth, including difficulties in accessing financing.

At Bantrab, we believe this must change. To address this, we launched the program Women in Leadership for Wellbeing (Mujeres Líderes de Bienestar), an initiative designed to acknowledge the challenges women face and provide meaningful solutions in response.

We focus our work on five core pillars:

• Education and development, offering free training programs and practical tools designed to strengthen their talents.
• Inclusion, by promoting employment and leadership opportunities.
• Financial solutions, designed to meet their real-life needs.
• Integral wellbeing, through services that support their physical, emotional, and financial health.
• And community, because together, women are stronger; And together, they drive meaningful change.

The program provides comprehensive support to returned Guatemalans, Guatemalans living abroad, and remittance-receiving families through financial solutions, workforce reintegration support, scholarships, healthcare services, and financial education, promoting inclusion, wellbeing, and new opportunities.

To achieve this, it has a team of 14 employees, 11 of whom are based in six U.S. states, and who have provided more than 42,000 financial counseling sessions since the program’s launch. In addition, of the accounts opened from abroad, 16,634 belong to new Bantrab clients.

Sports are essential for physical wellness and contribute to social cohesion. For that reason, Bantrab supports the following disciplines:

Alliance with Real Madrid

The Spanish club trains Guatemalan trainers, coaches, and physical therapists to raise the level of local sports. Since October 2022, lectures have been given to learn about the Real Madrid model and the club’s good practices, as well as technical topics on injuries, sports nutrition, game improvement, comprehensive athlete training, and strength training, among others.

This alliance also extended to two products bearing the Merengue Club’s seal: the Tarjeta Real card and the Ahorro Real savings account.

National teams

Strategic support to the Federación Nacional de Fútbol (National Soccer Federation) of Guatemala, especially to the coaches and players of the Major League, Sub 20, Sub 17, and Sub 15 men’s and women’s national teams.

Guatemalan Clubs

Logistical and financial support to four teams in the Major Soccer League (Aurora FC, Cobán Imperial, Marquense and Malacateco), and one team in the First Division (Deportivo Coatepeque), and seventy-nine academies for girls, boys, and young people located in different departments of the country.

11,500 children with the opportunity to practice a sport.

Strategic alliance with the Federación Guatemalteca de Ciclismo (Guatemalan Cycling Federation) to organize international events such as the Vuelta Ciclística Bantrab (Bantrab´s Cycling Tour), the men’s and women’s Vuelta a Guatemala (Tour of Guatemala), and the UCI MTB Bantrab.

Bantrab began its technological transformation six years ago to promote financial inclusion. The main efforts include:

Mobile application that has enabled the opening of almost 135,000 monetary and savings accounts, as well as the collection and payment of entrepreneurship and MSMEs.

Application for United States residents to send money free of charge and in real
time to their family and friends in Guatemala.

From BanConsejos we learned something essential: Guidance is also teaching. And now, thanks to technology, we can do it more closely, opportunely, and continuously.

This is how Bieneschat was born, a chatbot that answers questions about personal finances 24 hours a day. Behind its technology is the knowledge we have built over more than eight years of BanConsejos. Now, Guatemalans can get financial education support anytime by messaging on WhatsApp at 2415-1540.