SANTO DOMINGO – The total assets of the Dominican financial system reached RD$3.971 trillion (53.6% of GDP), representing a year-on-year growth of 9% , according to the Superintendency of Banks' (SB) quarterly performance report for the financial system as of June 2025. This represents an expansion of RD$365.471 billion compared to June 2024 .
Of those assets, 58% corresponds to the loan portfolio, which amounted to RD 2.267 trillion (30.6% of GDP), for a year-on-year increase of RD 191,184 million, equivalent to 9.2%.
According to the composition of the portfolio, private commercial accounts for 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 card and consumer loan portfolios grew by 16.2% and 3.2% respectively, showing a slowdown in the growth rate. Mortgage loans grew by 8%, very close to the average (8.7%) of the last 12 months.
The private real commercial portfolio in national currency increased 1.8% in the second quarter of the year, according to the report.
The private sector loan portfolio denominated in foreign currency showed year-on-year growth of 15.4%. With a balance of USD 8,639 million, it represents 22.9% of the total loan portfolio of the system.
Risk
Non-performing loans 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 observed since December 2023 has brought the indicator close to pre-pandemic levels.
The stressed delinquency rate of the system stood at 7.49%, 0.58 percentage points higher than the same quarter of the previous year and 0.15 percentage points higher than the previous quarter.
Greater solvency
The provisions established 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%, representing 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 minimum required. In this regard, 42 of the 44 entities increased their regulatory capital compared to June 2024, which contributed to the improvement in the indicator.
The system accumulated RD$479,195 million in regulatory capital, representing a 12% year-on-year increase compared to June 2024. 83.7% of the system's regulatory capital is primary capital, the highest quality capital with the greatest capacity to absorb losses. This demonstrates the financial system's ample capacity to absorb unexpected losses
The financial system has remained profitable, posting net profits of RD$42,915 million and a return on equity (ROE) of 18.3%. Likewise, the average return on assets (ROA) remained at 2.2%.
