The banking system’s loan portfolio closed 2025 at RD$2.39 trillion, after experiencing a year-on-year growth of +9.5% (+RD$206,446 million), according to the Report on Credit in the Financial System published by the Superintendency of Banks (SB). After this variation, credit represents 57.5% of the total assets of the system. Mortgage loans recorded the highest growth rate among the entire portfolio, up +13.2% last year, which placed this portfolio at RD$443,170 million. Likewise, the outstanding balance of personal credit cards amounted to RD$128,935 million, for a year-on-year growth of +9.5%, which represents +RD$11,138 million additional. Last year, private commercial credits amounted to RD$1.3 trillion, expanding +11.7% year-on-year. Regarding the composition of the total portfolio by type of credit, the commercial portfolio continued to have the largest share, representing 54.6% as of December 2025. Consumer loans (excluding credit cards) represented 21.4%, while mortgages were 18.5% of the total portfolio. The weighting of credit card loans was 5.4%. The SB report also indicates that the weighted average active and passive interest rates of multiple banking closed 2025 at 13.28% and 6.08%, respectively. Regarding the participation of foreign currency in the credit portfolio, this increased its participation. The private portfolio in foreign currency closed the year with a balance of USD$9,041 million, about USD$907 million above the same period of the previous year, for a year-on-year growth of +11.2%.
Delinquency
