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The banking sector is a strategic pillar for Panama's economic development. This research analyzes the impact of banking activity on Gross Domestic Product (GDP) and Gross National Income (GNI) during the period 2024, with an emphasis on corporate credit, consumption, financial regulation, and employment stability. It employs a quantitative, descriptive, and cross-sectional approach, based on the analysis of technical sources and official data from the Panamanian financial sector.
The results demonstrate that domestic and international credit dynamics stimulate key sectors such as construction, commerce, and agriculture. It is evident that banking not only drives GDP growth but also generates multiplier effects that strengthen national income and the sector's value chain. The study concludes that the financial system is an irreplaceable engine of development. Consequently, it recommends promoting financial inclusion through fintech technologies, strengthening regulatory oversight, and consolidating public-private partnerships to diversify the range of services and investment opportunities in the Panamanian market.
