Spanish
Banco Santa Cruz has been backed again by the rating agency Feller Rate, which ratified its solvency rating at "AA-" with stable outlook.
This recognition reflects the bank's solid financial position, supported by its ability to generate sustained income and efficiently manage its financial risks. By the end of June 2025, the entity recorded total assets of RD$191,722 million and a gross loan portfolio of RD$84,287 million, thus consolidating constant growth in the market. Its strategy focused on prudent risk management allowed it to maintain a past-due loan portfolio coverage of 2.5 times, ensuring protection against possible economic adversities. One of the differentiating factors of Banco Santa Cruz continues to be its funding, highly concentrated in public deposits, which represent 65.8% of its payable liabilities. This model provides it with financial flexibility and a low dependence on external sources, which has been key to its stability and growth projection. According to the risk rating report, the entity's efficiency indicators remain aligned with industry standards, highlighting an LCR (Liquidity Coverage Ratio) of 196.4%, well above regulatory requirements. Regarding its financial results, for the first half of 2025, the bank showed a profit before taxes of RD$2,039 million, with an annualized return on assets of 2.2%. Although these indicators reflect a slight adjustment compared to the end of 2024, they remain within adequate ranges and consistent with the multiple banking system. Its solvency ratio stood at 11.9% as of March 2025, a level that continues to be supported by a sustained capitalization of profits. With these solid foundations, Santa Cruz continues to be a benchmark in the country's financial sector, projecting a positive and reliable performance in the medium and long term. Banco Santa Cruz will continue to report on this and other ratings through its official channels, including its website www.bsc.com.do, as well as its social networks.About Banco Santa Cruz
Banco Santa Cruz began operations in November 1999 and has a complete portfolio of products and services designed to serve its more than 600,000 personal and business clients from its 49 business centers throughout the country.
