SANTO DOMINGO. – President Luis Abinader highlighted on Monday the stability and confidence of the national financial system, which today has a stronger regulatory framework, greater user protection, and financial inclusion.
As of the close of July 2025, the Dominican financial system exhibits assets exceeding RD$4 trillion and an uninterrupted growth of 85.6%, for an annual growth of 13.2%, giving way to a credit portfolio that rose from RD$1.3 trillion to RD$2.3 trillion, with an average annual growth of 12.9%, the president stated.
He highlighted the role of the Superintendency of Banks (SB) , an entity that supervises financial intermediation entities, exchange companies, trust companies and credit information companies, in addition to issuing regulations and collaborating in the development of rules that promote market development and the promotion of banking.
Access to credit and Global Findex report
The Superintendent of Banks, Alejandro Fernández , indicated that, to date, the country has more than 2.6 million people with access to credit, which represents 622,000 additional citizens in the last five years, this being a factor of development and empowerment.
World Bank's Global Findex 2025 report , the proportion of adults with accounts at financial institutions or mobile accounts increased from 51% in 2021 to 65% in 2024 , reflecting progress in financial inclusion.
Profitability and solvency
The system's solvency ratio 18.4% as of June 2025 , significantly exceeding the regulatory minimum of 10% and pre-pandemic levels (16.5%), and positioning itself above the regional average (15.6%) , placing the Dominican Republic among the most financially sound countries in the region . Regarding delinquency and provisions, the figure remains at 1.94% , below the historical average (2.05%).
Regulation
During this period, as explained in La Semanal con la Prensa, the Superintendency of Banks has issued 86 regulations aimed at modernizing the regulatory framework, with an emphasis on operational efficiency, digitalization, and user protection . Among the most notable measures are the remote opening and closing of financial products, the opening of basic savings accounts for individuals and micro, small, and medium-sized enterprises (MSMEs) without an optimal credit history, and the strengthening of the Office of User Services and Protection (ProUsuario).
Consumer protection and financial inclusion
In the area of defense of financial rights 26,734 claims have been handled , of which 66% were favorable to the users , achieving the return of RD 634 million, almost eight times more than in the previous four-year period.
Through the ProUsuario application, more than 450,000 active users manage inquiries, complaints, alerts and financial education.
In addition, the SB, through the "Money Seeks Owner" program , has returned RD$342.6 million to more than 2,600 savers from inoperative entities between 1989 and 2001. Likewise, the digital security campaigns, "Verify First, Protect Your Data," and "Mission Sentinel," help prevent fraud and unregulated financial schemes.
Institutional strength
At the institutional level, it is advancing in a comprehensive transformation plan that covers governance, technology, processes, infrastructure and human talent , achieving international certifications in quality management, anti-bribery, business continuity, information security, compliance and internal audit standards.
Its regionally recognized Simbad platform transparency through banking market statistics
Looking ahead to 2028 , the institution envisions itself as a more robust entity, closer to the public, committed to ensuring broad, equitable, and secure access to financial services.
The International Monetary Fund (IMF) commended the efforts of the Dominican monetary and financial authorities to strengthen the regulatory framework for the benefit of users, highlighting the progress in consumer protection and the approval of a new operational risk framework.
