Spanish
The total assets of the Dominican financial system amounted to RD$3.971 trillion (53.6% of GDP) for a year-on-year growth of 9%, according to the Quarterly Performance Report of the Financial System to June 2025 of the Superintendency of Banks (SB). This represents an expansion of RD$365.471 billion compared to June 2024.
Of those assets, 58% corresponds to the credit portfolio, which amounted to RD$2.267 trillion (30.6% of GDP), for a year-on-year increase of RD$191.184 billion, equivalent to 9.2%. According to the portfolio composition, private commercial represents the largest share (52.3%), followed by consumer (excluding personal credit cards 22.5%), mortgage (18.3%), personal credit cards (5.4%) and public (1.5%). The document indicates that credit and consumer card portfolios grew 16.2% and 3.2% respectively, showing reductions in the growth rate. Mortgages grew 8%, very close to the average (8.7%) of the last 12 months. The real private domestic commercial portfolio in national currency increased 1.8% in the second quarter of the year, according to the report. The private sector's foreign currency-denominated loan portfolio showed a year-on-year growth of 15.4%. With a balance of US$8,639 million, it represents 22.9% of the total portfolio of the system.Risk
The past-due portfolio reached RD$43,422 million, an increase of RD$14,192 million (+48.5%) compared to the same period last year. The simple delinquency rate stood at 1.92%, increasing by 0.51 percentage points since June 2024. The upward trend shown since December 2023 places the indicator close to pre-pandemic levels. The stressed delinquency of the system stood at 7.49%, 0.58 percentage points above the same quarter of the previous year and 0.15 percentage points higher than the previous quarter.Greater solvency
The provisions constituted reached RD$71.3 billion, increasing by 19.3% compared to the previous year, equivalent to 3.1% coverage of the total loan portfolio. At the close of the second quarter, the solvency ratio of the financial system stood at 18.4%, which represents an increase of 1.3 percentage points compared to June of the previous year (17.1%). This implies a loss absorption capacity more than eight percentage points above the required minimum. In that sense, 42 out of 44 entities increased their technical equity compared to June 2024, which contributed to the improvement of the indicator. The system accumulated RD$479.195 billion in technical equity for a year-on-year increase of 12% compared to June 2024. 83.7% of the system's regulatory capital is primary capital, the highest quality and loss-absorbing capacity. This demonstrates the financial system's ample capacity to absorb unexpected losses. The financial system has remained profitable, recording net profits of RD$42.915 billion and presenting a return on equity (ROE) indicator of 18.3%. Likewise, the average return on assets (ROA) remained at 2.2%.
