Spanish
The default ratio in the Dominican financial system, which reflects the probability of default on the debt balance, stands at 3.2% as of the second quarter of 2025, converging to pre-pandemic levels.
However, the simple delinquency ratio, which is the proportion of credits that a financial entity has not collected within the agreed period, stood at 1.92%, increasing +0.51 percentage points since June 2024 and maintaining an upward trend since December 2023.
As of June 2025, 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.
By type of portfolio, delinquency in credit cards stands out, rising to 5.86% (+1.05 percentage points compared to June 2024).
Likewise, the stressed delinquency of the system stood at 7.49%4; this is +0.58 percentage points more than the same quarter of the previous year and +0.15 p.p. more than the last quarter, which suggests a change of cycle in this indicator.
The information is contained in the Quarterly Performance Report of the Financial System as of June 2025, published by the Superintendency of Banks.
The entity highlights that 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%, which 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%.
