{"id":484408,"date":"2026-10-14T17:06:56","date_gmt":"2026-10-14T17:06:56","guid":{"rendered":"https:\/\/diariodigitalrd.com\/?p=723455"},"modified":"2026-10-14T17:06:56","modified_gmt":"2026-10-14T17:06:56","slug":"bcrd-descarta-riesgos-que-amenacen-la-estabilidad-financiera","status":"publish","type":"post","link":"https:\/\/sarmiento24h.com\/?p=484408","title":{"rendered":"BCRD descarta riesgos que amenacen la estabilidad financiera"},"content":{"rendered":"
<\/div>\n

Activos superan los RD$4.59 billones y la morosidad baja a 1.5%<\/h2>\n

Santo Domingo.<\/strong> El sistema financiero dominicano mantiene capacidad para enfrentar escenarios econ\u00f3micos adversos, con activos superiores a RD$4.59 billones y una morosidad que baj\u00f3 a 1.5% en septiembre de 2026. As\u00ed lo establece el m\u00e1s reciente Informe de Estabilidad Financiera del Banco Central de la Rep\u00fablica Dominicana (BCRD), que no identifica riesgos significativos capaces de comprometer la continuidad de los servicios financieros a corto plazo.<\/p>\n

El documento del organismo cuyo gobernador lo es H\u00e9ctor Valdez Albizu,, publicado en la p\u00e1gina web de la instituci\u00f3n conforme a una resoluci\u00f3n de la Junta Monetaria del 30 de septiembre de 2026, eval\u00faa las condiciones del sistema financiero y sus perspectivas para el resto del a\u00f1o, en medio de un panorama internacional convulso e incierto.<\/p>\n

Activos y dep\u00f3sitos mantienen crecimiento<\/h3>\n

Las entidades de intermediaci\u00f3n financiera (EIF) acumularon activos por m\u00e1s de RD$4.59 billones a septiembre, equivalentes al 53.9% del producto interno bruto (PIB). El monto representa un crecimiento interanual de 10.7%.<\/p>\n

El cr\u00e9dito tambi\u00e9n mostr\u00f3 una evoluci\u00f3n favorable, con un incremento de 8.3%, impulsado por los financiamientos al consumo, el comercio y la adquisici\u00f3n de viviendas, entre otros sectores.<\/p>\n

En tanto, los dep\u00f3sitos del p\u00fablico superaron los RD$3.60 billones, con un crecimiento interanual de 12.6%. Este volumen equivale al 42.3% del PIB y refleja, seg\u00fan el informe, la confianza de los depositantes en la gesti\u00f3n de riesgos de las entidades.<\/p>\n

El patrimonio neto alcanz\u00f3 RD$567,219 millones, un aumento interanual de 12.5%. La rentabilidad sobre los activos se situ\u00f3 en 3.0%, mientras que la rentabilidad sobre el patrimonio lleg\u00f3 a 23.1%.<\/p>\n

El coeficiente de solvencia alcanz\u00f3 el 18.9%, de acuerdo con los datos de la Superintendencia de Bancos correspondientes a mayo de 2026.<\/p>\n

Menor morosidad y pruebas de resistencia<\/h3>\n

La morosidad de la cartera crediticia descendi\u00f3 a alrededor de 1.5% en septiembre, frente al m\u00e1ximo de 1.9% registrado al cierre de 2025. El Banco Central atribuye esta evoluci\u00f3n a la dinamizaci\u00f3n de las actividades productivas de hogares y empresas, que ha favorecido su capacidad de pago.<\/p>\n

Las pruebas de estr\u00e9s aplicadas a las entidades tambi\u00e9n indican que cuentan con capital suficiente para absorber p\u00e9rdidas ante distintos escenarios macroecon\u00f3micos de riesgo.<\/p>\n

El informe se\u00f1ala, adem\u00e1s, que las instituciones financieras no depositarias mantienen un desempe\u00f1o favorable, sin vulnerabilidades identificadas que amenacen sus actividades de intermediaci\u00f3n.<\/p>\n

Nuevas reglas para el sistema financiero<\/h3>\n

Durante 2026, las autoridades monetarias y financieras continuaron ajustando las regulaciones locales a las mejores pr\u00e1cticas internacionales propuestas por el Comit\u00e9 de Supervisi\u00f3n Bancaria de Basilea.<\/p>\n

Entre los cambios figura la aplicaci\u00f3n, desde enero de 2026, de la metodolog\u00eda de valor razonable (mark-to-market<\/em>) para registrar y valorar instrumentos financieros. Tambi\u00e9n se establecieron l\u00edmites al cr\u00e9dito en moneda extranjera dirigido a sectores que no generan divisas y a la posici\u00f3n neta en moneda extranjera de las entidades.<\/p>\n

Asimismo, se actualizaron los capitales m\u00ednimos regulatorios de los intermediarios cambiarios y la cobertura del Fondo de Contingencia, fijada en RD$2,355,000 por depositante.<\/p>\n

El BCRD prev\u00e9 mantener la vigilancia sobre el sistema durante lo que resta de 2026 y principios de 2027, con el prop\u00f3sito de adoptar las medidas necesarias para preservar la estabilidad financiera.<\/p>\n

Consulte el informe completo:<\/strong> Informe de Estabilidad Financiera del BCRD<\/a><\/p>\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

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