In 2025, it became difficult for Dominicans to pay their debts.

The year 2025 was difficult for Dominicans to meet on time the credit commitments they have acquired in the different Financial Intermediation Entities (Banks).

Both the average delinquency rate of the entire financial system and the total amount of past-due loans have been increasing from January 2025 to October 2025, and are at levels similar to the effect of the pandemic.

The delinquency rate stood at 2.03 in October 2025. The last time it was at that level was in May 2021, with 2.04, due to the economic lag caused by the Covid-19 pandemic, according to data from the Superintendency of Banks.

Likewise, the amount of the past-due portfolio, which are all the debts or credits that individuals or companies have pending payment after having exceeded their established due date, reaches RD$48,331 million.

Of those RD$48,331 million that people have not been able to pay within the established deadline, RD$46,695 million are more than 90 days overdue, RD$1,488 million are between 31 and 60 days overdue, RD$1,046 million are between 61 and 90 days overdue, and only RD$168 million are less than 30 days overdue.

That is to say, year-on-year, the past-due loan portfolio grew by RD$14.824 billion when compared to the RD$33.507 billion accumulated in October 2024.

In January 2025, the delinquency rate rose from 1.65, and the amount of overdue portfolio was RD$36,416, and it has increased steadily since then.