SANTO DOMIGO.- El financiamiento bancario, al amparo de los estímulos monetarios de liquidez en torno al 5% del PIB, fue determinante para la recuperación económica de los sectores productivos en República Dominicana durante 2021.
Así lo manifestó la Asociación de Bancos de la República Dominicana (ABA), en documento sobre el balance al año que concluye.
Resaltó que el crédito al sector privado en moneda nacional se ha mantenido creciendo a una tasa anual cercana al 10%, en todos los segmentos crediticios (hogares y empresas), en un contexto de notable mejoría del perfil y calidad de la cartera de préstamos.
La entidad destacó que en 2021 se aceleró la recuperación del crédito hipotecario, segmento que guarda relación directa con la construcción, asociado a una mayor actividad económica y del empleo.
De igual modo, señaló que a noviembre de 2021 la cartera de crédito para Mipymes aumentó en más de RD$16 mil millones con respecto a diciembre de 2020, representando ya el 44% de la cartera comercial.
«A todo esto se ha sumado un entorno de bajas tasas de interés, cuya tasa activa promedio ponderada registró una reducción de 340 puntos básicos desde marzo de 2020, fecha en que inició la pandemia en el país», expuso.
La ABA indicó que la expansión del crédito se ha producido en el marco de una adecuada gestión gerencial que da como resultado bancos líquidos, eficientes, con buena calidad de los activos, solventes y rentables, acorde a las estadísticas de las autoridades locales y organismos internacionales.
LA BANCA LOCAL EN EL CONTEXTO REGIONAL
La Asociación de Bancos Múltiples resaltó que los óptimos resultados en los indicadores de desempeño colocan a la banca dominicana en un puesto de liderazgo en Latinoamérica y se refleja también en una mayor competitividad en los mercados globales.
Expresó que la banca que opera en República Dominicana está a la cabeza de los bancos de la región en cuanto a liquidez, índice de solvencia, rentabilidad de los activos y figura entre los países con más bajos niveles de cartera improductiva, según cifras de la Superintendencia de Bancos y del Foro Económico Mundial.
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