SANTO DOMINGO– Financing for home purchases continues to show dynamic growth within the Dominican financial system. During the first quarter of 2026, the mortgage loan portfolio registered year-on-year growth of 11.4%, outperforming other banking segments.
According to the most recent quarterly report on the performance of the financial system, released by the Superintendency of Banks (SB), the increase in mortgage credit was one of the main factors that boosted the expansion of the loan portfolio, which reached RD 2.42 trillion at the end of March.
The publication indicates that the financial system added RD$179,225 million in loans compared to the same period of the previous year, representing nominal growth of 8%. Within this result, commercial loans increased by 9.4%, while mortgage loans led the expansion with an increase of 11.4%.
Housing and banking maintain a positive trend
According to SB, the behavior of the mortgage portfolio occurs in a context of general growth of the financial system, whose total assets reached RD 4.28 trillion in March 2026, equivalent to a year-on-year expansion of 9.2%.
The report attributes this performance to the favorable behavior of the loan portfolio, investments, and the availability of funds, indicators that reflect the system's ability to continue channeling resources toward productive sectors and housing finance.
Regarding market conditions, the weighted average active interest rate of multiple banks closed March at 13.28%, while the passive rate stood at 6.28%.
Financial strength and low delinquency
The bank also highlighted that the financial system maintains strong capital adequacy and portfolio quality indicators. At the end of March, solvency stood at 18.76%, well above the regulatory minimum, while adjusted technical capital reached RD$530,308 million, representing a year-on-year increase of 12.6%.
In terms of credit risk, delinquency continued its downward trend, reaching 1.92%, with a past-due portfolio of RD$46,499 million. Stressed delinquency stood at 7.80%, and the non-performing loan ratio reached 4.8%.
According to the supervisory company, financial institutions obtained net profits of RD 24,092 million during the analyzed period, with a return on equity (ROE) of 17.72% and a return on assets (ROA) of 2.28%.
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