{"id":91651,"date":"2026-03-29T22:07:11","date_gmt":"2026-03-29T22:07:11","guid":{"rendered":"http:\/\/almomento.net\/?p=1108583"},"modified":"2026-03-29T22:07:11","modified_gmt":"2026-03-29T22:07:11","slug":"cartera-de-credito-de-la-banca-de-r-dom-crecio-9-5-en-2025","status":"publish","type":"post","link":"https:\/\/sarmiento24h.com\/?p=91651","title":{"rendered":"Cartera de cr\u00e9dito de la banca de R. Dom. creci\u00f3 9.5% en 2025"},"content":{"rendered":"

<\/p>\n

\"imagen\"<\/a><\/p>\n

Superintendencia de Bancos<\/p>\n<\/p><\/div>\n

SANTO DOMINGO.- La cartera de cr\u00e9dito del sistema bancario de la Rep\u00fablica Dominicana cerr\u00f3 2025 en RD$2.39 billones, tras un crecimiento interanual de +9.5% (+RD$206,446 millones), de acuerdo con el Informe sobre el cr\u00e9dito en el sistema financiero publicado por la Superintendencia de Bancos (SB).<\/span><\/p>\n

Tras esta variaci\u00f3n, el cr\u00e9dito representa el 57.5% del total de los activos del sistema. <\/span><\/p>\n

Los pr\u00e9stamos hipotecarios registraron la tasa de crecimiento m\u00e1s elevada<\/strong> entre toda la cartera, ascendente al +13.2% el a\u00f1o pasado, ubic\u00e1ndola en RD$443,170 millones.<\/span><\/p>\n

Asimismo, el saldo adeudado de tarjetas de cr\u00e9dito personales ascendi\u00f3 a RD$128,935 millones, para un crecimiento interanual de +9.5%,<\/strong> que representa +RD$11,138 millones adicionales. <\/span><\/p>\n

El a\u00f1o pasado, los cr\u00e9ditos comerciales privados ascendieron a RD$1.3 billones, expandi\u00e9ndose un +11.7% interanualmente.<\/span><\/p>\n

En cuanto a la composici\u00f3n de la cartera total por tipo de cr\u00e9dito, la cartera comercial continu\u00f3 teniendo la mayor participaci\u00f3n<\/strong>, representando el 54.6% a diciembre de 2025. Los cr\u00e9ditos de consumo (excluyendo tarjetas de cr\u00e9ditos) representaron el 21.4%, mientras que los hipotecarios eran el 18.5% de la cartera total. La ponderaci\u00f3n de los pr\u00e9stamos de tarjetas de cr\u00e9dito fue del 5.4%. <\/span><\/p>\n

Las personas f\u00edsicas con cr\u00e9ditos en el sistema eran 2,618,955[LCGE1.1], exhibiendo una expansi\u00f3n de +2.8%. <\/span><\/p>\n

El reporte de la SB tambi\u00e9n se\u00f1ala que las tasas de inter\u00e9s promedio ponderadas activas y pasiva de la banca m\u00faltiple cerraron 2025 en 13.28% y 6.08%, respectivamente.<\/strong><\/span><\/p>\n

Sobre la participaci\u00f3n de la moneda extranjera en la cartera de cr\u00e9dito, esta aument\u00f3 su participaci\u00f3n. La cartera privada en moneda extranjera cerr\u00f3 el a\u00f1o con un saldo de USD$9,041 millones, unos USD$907 millones por encima que el mismo per\u00edodo del a\u00f1o anterior, para un crecimiento interanual de +11.2%.<\/span><\/p>\n

MOROSIDAD<\/span><\/strong><\/p>\n

La morosidad del sistema mantuvo la tendencia consistente con el ciclo econ\u00f3mico. Al cierre del 2025, el indicador se situ\u00f3 en 1.87%, con un incremento de 0.32 punto porcentual respecto a diciembre 2024. <\/span><\/p>\n

Mientras que la morosidad estresada se ubic\u00f3 en 7.83%, incrementando 0.73 punto porcentual con relaci\u00f3n a diciembre 2024. Este es un indicador \u00e1cido de riesgo crediticio utilizado por la SB para medir la salud real de la cartera de cr\u00e9dito, sumando a la mora vencida (m\u00e1s de 90 d\u00edas) otros factores como cr\u00e9ditos reestructurados, cobranza judicial, castigos y adjudicaciones de los \u00faltimos 12 meses. Ofrece una visi\u00f3n m\u00e1s integral del riesgo que el \u00edndice de morosidad tradicional.<\/span><\/p>\n

\n

Comp\u00e1rtelo en tus redes:<\/p>\n<\/div>\n


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

Superintendencia de Bancos SANTO DOMINGO.- La cartera...<\/p>\n","protected":false},"author":1,"featured_media":91652,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[69],"tags":[],"class_list":["post-91651","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-portada"],"yoast_head":"\nCartera de cr\u00e9dito de la banca de R. 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