Banco Santa Cruz closed 2025 with an exceptional financial performance, consolidating as the third private capital multiple bank in the country, supported by sustained growth of its assets, consistent profitability, and a robust level of liquidity and capitalization.
As of December 31, 2025, the entity 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 multiple banking.
In terms of deposits, Banco Santa Cruz closed the year with deposits of RD$137 billion, reflecting an 11% growth, in line with market behavior, and a 4.85% share of total system deposits. Public deposits continued to be its main source of funding, strengthening the stability of its financial structure
The liquidity ratio stood at 25.11% of deposits, showing a comfortable position in an environment marked by restrictive monetary conditions for much of the year. Likewise, the capitalization ratio closed at 11.76%, reflecting adequate equity backing to support the expansion of the bank’s operations.
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.
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While during the year Business Banking recorded 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, Retail 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.
Within this segment, the growth in mortgage loans was highlighted, with disbursements of RD$3,600 million, 20% higher than the previous year. Likewise, the SME segment registered disbursements of RD$8,000 million during the year.
The Payment Media Unit also contributed to the growth of the consumer portfolio, driven by the launch of the new Visa Santa Cruz PriceSmart, the issuance of 48,209 new cards and a total billing of RD$52,942 million, generating an increase of RD$1,436 million in the credit portfolio.
In infrastructure and face-to-face channels, the bank 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 realm of digital transformation, 2025 marked a milestone. Banco Santa Cruz now has an Innovation Center that integrates customer experience capabilities, channels, innovation, artificial intelligence, with an agile and mature digital culture, which allows us to design and execute solutions quickly with quality and a vision for the future.
In an economic environment characterized by moderate growth and adjustments in monetary policy, the results of 2025 reflect the operational resilience of Banco Santa Cruz and the consolidation of a business model focused on profitable growth, prudent risk management, and structural strengthening within the Dominican financial system.
