![##common.pageHeaderLogo.altText##](https://revistas.up.ac.pa/public/journals/19/pageHeaderLogoImage_es_ES.png)
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
The objective of the elaboration and design of this scientific article is: to analyze the effects of the pandemic at the level of credit risk management in Panamanian banks (Banco Nacional de Panamá and Caja de Ahorros). Hence, the approach is based on a qualitative methodology with a descriptive, exploratory, non-experimental, descriptive design. To present a frame of reference of the types of credit risks, and to identify the main effects in the pandemic. Making a record in the research conducted, books among other important studies so that the reality of Panamanian banking can be seen. Therefore, this research will support public and private banks to manage policies that strengthen the monitoring of liquidity and capital management, to mitigate credit risk and renegotiate payment terms. As well as the impact on the probability of default, ratings, macroeconomic data, and the outlook related to the analysis of a significant increase in credit risk.