MEXICO CITY.- Although women in Mexico have more savings and transactional accounts registered than men, men concentrate a greater balance of balance, with an approximate difference of 0.1 billion pesos in their favor in April, according to a report by the BBVA Mexico Financial Group.
The economic analysis area of the Financial Group warned that although there is a reduction in the gender gap, structural inequalities still persist in the national financial system.
In August 2022 there was a difference of 4.9 million accounts in favor of women, which was reduced to 4 million last April, that is, women still have more accounts than men,
Although the difference has been shortened, according to the document “Evolution and gaps in collection and savings for retirement”, published on Friday.
He indicated that according to the National Population Council (Conapo), on average there are 3.5 million more adult women than men, which can explain part of the gap.
To contrast this hypothesis, the financial group relativized the number of accounts per adult population, obtaining an accounts indicator per person.
He exemplified that last April 0.82 accounts were recorded for each adult woman and 0.79 accounts for each adult man, which implied a marginal difference of 0.02 accounts in favor of women, which showed that the relative gap is very close to zero.
In the case of payroll accounts, inequality also persists and the reduction has been slower compared to that observed in savings and transactional accounts (deposit accounts where operations can be carried out that have a means of disposition as a checkbook and/or debit card).
While women record a lower number of accounts per adult (0.4 compared to 0.5 in men), the total balance of men exceeds 0.05 billion pesos to women. The reduction of the gap has been slow: it went from 4.2 million in August 2022 to 3.9 million in April 2025.
The most worrying case is that of the Retirement Savings System (SAR), where the difference is even more pronounced. Men have 8.7 million more accounts than women, and the reduction of the gap has been very slow (in August 2022 the difference was 9 million).
The gap in the balances of the accounts administered by the SAR has shown an upward trend, from 1.42 billion pesos in August 2022 to 1.78 billion in April, in both cases in favor of men.
The Financial Group concluded that the number of savings, transactional, payroll and SAR accounts continue to grow by demographic and economic factors, although at different rhythms according to the type of product.
Although women have more savings and transactional accounts in absolute number, men concentrate greater balances. This occurs to a greater extent in those of payroll and those administered by the SAR, so reduction of these gaps has been slow and unequal.
He indicated that with more than 22 million adults without account and more than one million MSMEs created annually, there are wide opportunities to strengthen financial inclusion and reduce inequalities not only in access, but also in the balance to favor short and long term savings.
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