The Dominicans decided moderate your consumption during the last year through the different modalities of loans for these purposes, showing the credit portfolio of the financial system national a slowdown in its growth between September 2024 and the same month of this year.
The main reduction in the expansion of private financing in national currency, by type of portfolio, is recorded by credit cards personal. From accumulating growth of 26.6% in September of last year, the figure went to 10.1% in that same month of 2025, presenting a deceleration of 16.5 percentage points.
This is contained in the recent Quarterly report of performance of financial system September 2025which produces the Superintendence of Banks (SB), which indicates that the credit portfolio total amounts to 2 trillion 341 billion pesos, showing an increase of 208,694 million pesos, equivalent to an increase of 9.8% compared to the previous year.
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However, the SB analysis establishes that “since mid-2023, a slowdown in credit growth has been observed, both in nominal and real terms,” specifying that the real expansion of the private portfolio in national currency as of September of this year was 4.9%, lower than the 10.1% it showed in the similar period of 2024.
Meanwhile, the mortgage financing They are the ones that show the least reduction in their growth, since from an expansion of 8.8% in September of the previous year they went on to accumulate 7.5% in the ninth month of 2025.
In the case of the commercial creditswhich had been showing negative interannual variations in the first months of this year, took the path of recovery, ending at third quarter of the year with real growth of 5.7%, highlights the superintendency report.
“The growth trend of the number of companies who have accessed credit, raising the number of debtors to 39,781 at the end of September, 2.8% more than September 2024,” the document adds.
The dominican economy suffered a slowdown in its growth between January and October of this year, accumulating during that period an expansion of only 2%, according to the records of the Central Bank.
Availability
In it Quarterly report of performance of financial system September 2025the Superintendence of Banks states that the entities maintain a availability level adequate to satisfy the economy’s demand for liquidity.
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The availability of the financial system (cash and its equivalents) totaled 735,413 million pesos (including the Central Bank overnight), observing an increase compared to September 2024 of 189,580 million pesos, which in turn represents a growth of 34.7%, the document adds.
“The expansion in availability has been influenced by the increase in cash and cash equivalent held by the entities of the financial system in it Central Bankwhich, in turn, are the ones with the greatest weight (62.8%) in the availability indicator. This category observed an increase of 13.9%, when compared to September 2024,” he explains.
According to the SB, this indicator seeks to provide information on the immediate capacity that financial entities have to respond to public withdrawals of instruments, both short and long term.
