The Superintendency of Banks of the Dominican Republic published its annual review of personal credit cards, finding no evidence of systemic household overindebtedness or a broad accumulation of risk among financial intermediaries. Annual portfolio growth slowed from 17.2% in July 2025 to 2.1% in July 2026, leaving balances at DOP 125.429 billion. In real terms, the portfolio contracted as the segment approached the end of a credit cycle following its 2024 expansion. The number of credit cards fell 1.3% to 3.57 million, while new card issuance dropped 20.2% to 695,168, with a sharper decline among lower-income segments. The number of cardholders rose 0.2% to 2.05 million, and credit cards remained the main entry point into the financial system, accounting for 55.8% of new borrowers over the previous 12 months. Risk indicators improved, with arrears exceeding 90 days declining from 6% to 5.3% and the default ratio falling from 11.5% to 10.6%.
Superintendency of Banks of the Dominican Republic finds personal credit card portfolio growth slowed to 2.1% as risk indicators improved
The Superintendency of Banks of the Dominican Republic found that annual growth in the personal credit card portfolio slowed from 17.2% to 2.1%, while balances reached DOP 125.429 billion. Arrears and defaults declined, and the review found no systemic household overindebtedness or broad accumulation of risk among financial intermediaries.