He said that as of December 31, 2025, it reached total assets of RD$207 billion, representing a year-on-year growth of 15%.
SANTO DOMINGO. – Banco Santa Cruz reported that it closed 2025 with a financial performance that places it as the third largest privately owned multiple bank in the country, supported by sustained asset growth, consistent profitability, and a robust level of liquidity and capitalization.
He stated that as of December 31, 2025, the bank had reached total assets of RD$207 billion, representing a year-on-year growth of 15%. This performance allowed the bank to achieve a market share of 5.68% in assets within the multiple banking sector.
In a press release, the bank stated that in terms of deposits, it closed the past year with RD$137 billion, reflecting an 11% growth, in line with market performance, and a 4.85% share of total system deposits. It further noted that public deposits continued to be its main source of funding, strengthening the stability of its financial structure
The data provided shows that the liquidity ratio stood at 25.11% of deposits, demonstrating a comfortable position in an environment marked by restrictive monetary conditions for much of the year. Furthermore, it adds that the capitalization ratio closed at 11.76%, reflecting adequate capital backing to support the bank's operational expansion.
In terms of profitability, net profits amounted to RD$4,601 million, with a growth of 4.78%, maintaining profitability indicators on assets and equity at competitive levels within the financial system.
Banco Santa Cruz highlights that during the year, Corporate Banking registered structured growth, with an increase in the active portfolio of RD$11,084 million, reaching a total balance of RD$39,138 million.
For its part, Personal Banking continued to be a fundamental pillar of the bank's performance, closing the year with a loan portfolio of RD$48,103 million and deposits of RD$81,599 million, which represented shares of 4.40% and 4.84%, respectively, within the financial system.
Mortgage loans grow by 20%
According to data provided in a press document, the growth in mortgage loans was 20% above the year 2024, with disbursements of RD$3,600 million.
Likewise, the SME segment recorded disbursements of RD$8 billion during the year.
In terms of infrastructure and physical channels, the bank says it strengthened its service network with 54 business centers, 149 banking sub-agents and 91 of its own ATMs, in addition to its incorporation into the UNARED network, expanding transactional access nationwide.
In the field of digital transformation, 2025 marked a milestone, highlighting that it now has an Innovation Center that integrates customer experience capabilities, channels, innovation, artificial intelligence, with a mature agile and digital culture, which allows it to design and execute solutions quickly with quality and a vision for the future.
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