The Central Bank highlights the favorable conditions for the continuity of financial operations and emphasizes that there is no evidence of significant vulnerabilities that could compromise the provision of these services in the short term
SANTO DOMINGO.– Public deposits in the Dominican financial system exceeded RD$3.60 trillion at the close of September 2026, after experiencing a year-on-year increase of 12.6%, while the loan portfolio showed an expansion of 8.3%, according to data contained in the Financial Stability Report of the Central Bank of the Dominican Republic (BCRD).
The document indicates that the total assets of financial intermediation entities (FIEs) exceeded RD$4.59 trillion, equivalent to 53.9% of the gross domestic product (GDP), with a growth of 10.7% compared to the same period of the previous year.
Furthermore, the issuing body stated that the main indicators of the sector reflect favorable conditions for the continuity of financial operations and highlighted that there is no evidence of significant vulnerabilities that could compromise the provision of these services in the short term.
Deposits and financing reflect the dynamism of the banking system
Regarding the evolution of deposits, the Central Bank indicated that the growth in deposits demonstrates public confidence in the risk management of financial institutions, while strengthening their capacity to channel resources to the various sectors of the economy.
Meanwhile, the loan portfolio maintained a positive trend, driven mainly by financing for consumption, trade and home acquisition, among other activities.
The institution explained that this expansion helps to support the financing needs of households and businesses, as well as sustain the development of productive activities.
Similarly, he stated that the prudent management of credit, market, and liquidity risks has been crucial in preserving the functioning of the system and promoting financial intermediation.
Delinquency rates fall from 1.9% to 1.5%
Another highlight of the report is the moderate decrease in the delinquency rate of the loan portfolio, which stood at around 1.5% in September 2026, compared to 1.9% recorded at the end of 2025.
According to the monetary authority, this behavior is related to the increased activity of households and businesses, a situation that has contributed to improving their ability to meet financial obligations.
Likewise, the Central Bank of the Dominican Republic (BCRD) highlighted the results of the stress tests applied to financial intermediation entities, which showed that they have adequate capitalization levels to absorb possible losses in the face of different adverse macroeconomic scenarios.
In that regard, the entity noted that continuous supervision and responsible risk management are essential tools to maintain stability and prevent situations that could affect the quality of the loan portfolio.
Financial institutions maintain favorable solvency and profitability indicators
In terms of financial performance, the report details that intermediation institutions recorded a return on assets (ROA) of 3.0% and a return on equity (ROE) of 23.1%.
Likewise, the solvency ratio reached 18.9%, according to information published by the Superintendency of Banks corresponding to May 2026.
The sector's net worth amounted to RD$567,219 million at the end of September, equivalent to 6.67% of GDP, after experiencing a year-on-year increase of 12.5%.
The Central Bank indicated that these indicators allow for the evaluation of institutions' ability to meet their obligations, absorb potential losses, and maintain the continuity of their operations.
Similarly, he mentioned that non-depository financial institutions, including securities intermediaries, investment and pension fund managers, insurance companies and trust companies, also showed favorable performance, with no evidence of significant vulnerabilities affecting their activities.
It highlights advances in financial regulation
Regarding the regulatory framework, the monetary institution explained that the Monetary and Financial Administration has continued to strengthen national regulatory provisions, with the purpose of adapting them to international best practices and the recommendations of the Basel Committee on Banking Supervision.
Among the main changes is the implementation, from January 2026, of the fair value accounting methodology, known as mark-to-market, for the registration, classification, valuation and measurement of financial instruments of intermediary entities.
New limits were also established for granting credit facilities in foreign currency to sectors that do not generate foreign exchange, in addition to restrictions applicable to the net foreign currency position of financial institutions.
Bank deposits exceed RD$3.60 trillion and credit registers a growth of 8.3%
Similarly, the inflation adjustment of the Contingency Fund coverage was arranged, the amount of which was raised to RD$2,355,000 per depositor.
These provisions are part of the measures aimed at strengthening the responsiveness of institutions, improving risk management and preserving confidence in the national financial system.
It will remain vigilant in the face of international uncertainty
The Financial Stability Report as of May 2026, published in compliance with the provisions of the Fifth Resolution of the Monetary Board of September 30 of that year, examines the conditions of the sector and its prospects for the last months of 2026 and the beginning of 2027.
In this regard, the Central Bank stated that, despite the turbulent and uncertain international outlook, the available results do not show significant risk factors that could compromise the provision of financial services or cause the dissolution of systemically important entities.
However, the institution reiterated that it will continue to monitor the evolution of economic and financial variables in order to adopt the necessary policy measures in a timely manner.
Finally, the issuing body stated that monitoring indicators such as deposits, credit, delinquency, solvency, and profitability will remain fundamental to preserving financial stability, maintaining user confidence, and supporting the growth of the Dominican economy.
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