Spanish
Santo Domingo, DR - At the end of March this year, the assets of the Dominican financial system experienced a year-on-year growth of 10.5%, reaching a total of RD$3.92 trillion, according to the Quarterly Performance Report published by the Superintendency of Banks (SB).
Gross loan portfolio totaled RD$2.24 trillion, an increase of RD$225.831 billion (11.2%) compared to the same period last year. As of March 2025, the real growth of the private portfolio in national currency was +3.7%, mostly led by consumer credit through personal credit cards (+18.6%), followed by the mortgage loan portfolio (+7.9%) and consumer loans (+5.8%).
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The weighted average interest rates (TIPP) for active and passive multi-banking were at 14.77% and 8.91% in March, for a year-on-year reduction of 0.16 and 0.14 percentage points, respectively.
The SB reported that the past-due portfolio reached RD$39.282 billion, for a year-on-year increase of RD$12.964 billion (49.3%). The delinquency ratio stood at 1.75%, increasing 0.45 percentage points compared to March 2024. While the stressed delinquency of the system stood at 7.34%, 0.48 percentage points above the same quarter of the previous year and 0.22 more than the previous quarter.The non-performing loan portfolio for the 12 months prior to the cutoff date amounted to RD$32.39 billion, representing 1.4% of the total private portfolio. The provisions constituted reached RD$72.8 billion, increasing by 24.1% compared to the previous year, equivalent to 3.3% coverage of the total loan portfolio.
Likewise, the return on assets (ROA) remained at 2.7%. Similarly, the ROE or return on equity stood at 22.1%. The operational efficiency of the system closed the quarter at 59.4%, with an improvement compared to the previous quarter, when it marked 61%. Regarding March 2024, the efficiency worsens by 0.7 percentage points (from 58.7% to 59.4%). This means that for every RD$100 earned by the financial system, RD$59.4 was spent on its operations, as of March this year.
