The Banco del Bienestar has registered alarm limits due to the delinquency reached by its bulky portfolio: it has already passed the 35 percent limit, which some Bloomberg analysts have not haggled about predicting a "Mini-Fobaproa" in progress.The aforementioned bank found an alternative to carry it, through the support that it receives from the Ministry of Finance under the table, which explains its figures that change with all surprise.The National Banking and Securities Commission solemnly reported on July 19 of this year that the bank's past due portfolio had dropped from 35.46 percent to 3.94 percent, which, far from reassuring finance experts, made them wonder if someone could take those indicators seriously.López Obrador's banking occurrence blew up due to the combination of three factors: the first dates from its beginnings until June 2022, when granting credits of up to 50 thousand pesos, but people stopped paying them because they do not have the income to do so.The second is the disastrous management that it has had, not only because it is managed by people who do not have the slightest experience in the subject, but also because of the accelerated gigantization of the bank, reaching the extreme of opening branches literally, in the middle of a deserted highway. .López Obrador conceived of a bank that would disperse the payroll of all federal government employees, something that he has not been able to accomplish.He also thought that all the patronage resources of the treasury would be given to that white elephant, from "Youth Building the Future" to "Decent Pensions."The drawback is that by dispersing millions of pesos, a great business cannot be expected automatically, and that is how it has been.Commercial banking does not earn money from direct debit payroll, but from the loans and commissions it charges millions of employees.In the case of the Banco del Bienestar, its products do not even remotely compete with commercial banks and there are the figures of the Banjército, for example, which are in good health despite the small size of their market.The reason is simple: the olive green bank is managed by experts.Later, an underground injection of money allowed it to continue operating, but it is clear that if the government does not send it money, it will not be able to survive on its own.Still, when the peasant and absurd dream of passing on the payroll of the federal bureaucrats is achieved, with everything and 2,700 branches, the operating expenses are going to eat it up and it will be so not because they dislike their projects but because of common sense.Such a recovery comes from a logic towards 2024.Doing the math, López Obrador distributes money to some 30 million Mexicans, for different programs.That large army will somehow be forced to vote for the character of Morena chosen for the presidential candidacy.Common sense indicates that the Banco del Bienestar could migrate to being a mobile bank, both through the website and by cell phone, via the APP.The reason why something so obvious has not been done is because of the client mobilization that allows it to have physical branches.Time will confirm it, while a palatial Fobaproa is being cooked.And meanwhile, the Treasury will continue to inject money to whitewash a failed project, like the airport that has fewer flights in a month than the Mexico City International Airport in a single day.Acción Nacional already has a candidate for governor for 2024.If anyone doubted it, all the groups within the PAN confirmed in front of their national leader, Marko Cortés, that the municipal president of Puebla is their rooster and they are not going to change.The only thing that could prevent his nomination is that he does not accept and ask for his re-election.We must remember this September 4, 2022, as the formal uncovering of Eduardo Rivera to the governorship of Puebla.The opposition already has a candidate.municipalitiespuebla.mx is a digital newspaper of Desarrollo Periodístico Digital SA de CVOur offices are located in Ocotlán number 3, Col. Los Volcanes Tlaxcala, Tlaxcala 2223264633 and 2221400098