Dominican Financial System Assets Top $4.19 Trillion in November

SANTO DOMINGO, Dominican Republic – The Dominican Republic's financial system reported a 9.3% year-over-year increase in its total assets, reaching 4.19 trillion Dominican pesos by November 30, 2025. This growth was detailed in preliminary data released by the Superintendency of Banks (SB).

The banking sector's loan portfolio, which represents its primary asset, expanded by 9.2% compared to the previous year. This amounted to an increase of 200.6 billion pesos, bringing the total outstanding credit to 2.38 trillion pesos as of last November.

Public deposits also saw significant growth, climbing 11.4% during 2025 to reach 3.22 trillion pesos. These figures highlight that both savings and lending activities in the Dominican Republic continue to expand at a near double-digit percentage rate.

By the close of November, the financial system's capital, measured by net worth, had risen by 10.2%, an increase of 47.438 billion pesos, bringing the total net worth to 511.443 billion pesos. This improvement underscores the financial institutions' enhanced capacity to absorb unexpected losses and indicates a reduction in the system's overall leverage.

Risk Indicators

During the initial 11 months of 2025, the delinquency rate remained low, registering at 1.93%. This figure stabilized close to the 15-year average of 2.0%.

However, the stressed delinquency rate, a more stringent indicator used by the Superintendency of Banks, stood at 7.73% at the end of November 2025, showing a 0.7% increase year-over-year.

The loan loss provision coverage ratio reached 162.4%, demonstrating a strong buffer against potential losses from overdue loans. This level is 62.4% above the mandated minimum of 100%, signifying excess provisions of 28.729 billion pesos beyond the required coverage.

The system's available liquidity, encompassing cash holdings and deposits held by institutions at the Central Bank and other banks, totaled 663.6 billion pesos. This marks a 7.3% increase, or 45.245 billion pesos, compared to November 2024.

Performance

Regarding profitability, the financial system recorded a cumulative net profit of 81.808 billion pesos through November 2025. This represents a year-over-year increase of 2.667 billion pesos, or 3.4%.

The return on assets (ROA) was 2.22% in November 2025, while the return on equity (ROE) reached 18.53%.

Overall, the Dominican financial system continues to demonstrate stability and resilience, with ample capacity to absorb losses. Its strong profitability, solvency, and liquidity levels position it well to adapt promptly to evolving market conditions and the broader economic landscape.