The rating agency Feller Rate ratified the solvency rating of the Asociaci\u00f3n La Vega Real de Ahorros y Pr\u00e9stamos (ALAVER) at A-, while also maintaining a Stable outlook, considering that the entity exhibits an adequate capacity for generating results, solid equity backing, and risk management consistent with its business model.<\/p>\n\n\n\n
The assessment recognizes the entity’s financial performance, supported by the growth of its loan portfolio, the improvement of its financial margin, and a favorable evolution in the quality of its assets, factors that continue to strengthen its position within the savings and loan association system.<\/p>\n\n\n\n
Feller Rate highlighted that ALAVER maintains a consolidated position in its home market. As of May 2026, the entity ranked fourth among the country’s associations by volume of loans, with a market share of 3.8%, while in the province of La Vega, it concentrated 68.9% of the sector’s loans.<\/p>\n\n\n\n
Likewise, he highlighted that the institution has steadily strengthened its equity through the capitalization of earnings, which allowed its solvency ratio to reach 29.7% as of May 2026, a level that supports the growth of its operations and maintains a wide margin over regulatory requirements.<\/p>\n\n\n\n
Regarding risk management, the rating agency assessed the evolution of the credit portfolio. During the first half of 2026, the non-performing loan portfolio decreased by 21% compared to the previous year, while the delinquency indicator over 90 days was reduced to 1.5%, accompanied by a provision coverage equivalent to 1.6 times the non-performing portfolio.<\/p>\n\n\n\n
The report also highlights that ALAVER maintains an adequate liquidity position and a diversified base of savers, elements that support the stability of its financing structure. Likewise, among the factors considered for the evaluation is the entity’s 2026-2028 strategic plan, focused on driving digital transformation, strengthening the customer experience, and improving operational efficiency.<\/p>\n\n\n\n
The rating agency estimates that the execution of these initiatives will contribute to preserving the capacity to generate results, strengthening internal capital, and supporting the growth of operations. In this sense, the stable outlooks assigned to ALAVER are supported by its track record, market position in the La Vega province, adequate credit portfolio management, and a financial profile consistent with its scale and operation.<\/p>\n","protected":false},"excerpt":{"rendered":"
The rating agency Feller Rate ratified the solvency rating of the Asociaci\u00f3n La Vega Real de Ahorros y Pr\u00e9stamos (ALAVER) at A-, while also maintaining a Stable outlook, considering that the entity exhibits an adequate capacity for generating results, solid equity backing, and risk management consistent with its business model. The assessment recognizes the entity’s […]<\/p>\n","protected":false},"author":5401,"featured_media":520589,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[1],"tags":[],"class_list":["post-520588","post","type-post","status-publish","format-standard","has-post-thumbnail","category-uncategorized"],"acf":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/phj1q1-2bqA","jetpack_featured_media_url":"https:\/\/deultimominuto.com\/en\/wp-content\/uploads\/sites\/2\/2026\/08\/WhatsApp-Image-2026-08-10-at-9.46.33-AM.jpeg","dum_api":{"author_name":"Mart\u00edn Adames","author_image":"https:\/\/deultimominuto.com\/wp-content\/uploads\/2025\/02\/cropped-WhatsApp-Image-2025-02-11-at-11.04.20-AM-96x96.jpeg","categories_name":["Uncategorized"],"featured_media_url":"https:\/\/cdn.deultimominuto.com\/en\/wp-content\/uploads\/sites\/2\/2026\/08\/WhatsApp-Image-2026-08-10-at-9.46.33-AM.jpeg"},"_links":{"self":[{"href":"https:\/\/deultimominuto.com\/en\/wp-json\/wp\/v2\/posts\/520588","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/deultimominuto.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/deultimominuto.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/deultimominuto.com\/en\/wp-json\/wp\/v2\/users\/5401"}],"replies":[{"embeddable":true,"href":"https:\/\/deultimominuto.com\/en\/wp-json\/wp\/v2\/comments?post=520588"}],"version-history":[{"count":0,"href":"https:\/\/deultimominuto.com\/en\/wp-json\/wp\/v2\/posts\/520588\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/deultimominuto.com\/en\/wp-json\/wp\/v2\/media\/520589"}],"wp:attachment":[{"href":"https:\/\/deultimominuto.com\/en\/wp-json\/wp\/v2\/media?parent=520588"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/deultimominuto.com\/en\/wp-json\/wp\/v2\/categories?post=520588"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/deultimominuto.com\/en\/wp-json\/wp\/v2\/tags?post=520588"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}