La solvencia se define como la capacidad que tiene una empresa o persona de afrontar sus compromisos financieros de largo plazo. En la banca, por ejemplo, la Ley Monetaria y Financiera, específicamente en su artículo 46, literal E, el mínimo requerido es 10%. Para las entidades financieras es un indicador fundamental, pues le permite absorber una pérdida inesperada en sus operaciones, por lo que también está muy relacionado con la liquidez.
La banca dominicana, en cuanto a solvencia y otros indicadores, está en uno de sus mejores momentos, a pesar de los efectos que la pandemia del covid-19 ha tenido en toda la economía. Entre enero de 2020 e igual mes de este año, esta variable pasó de 15.04% a 18.50%, es decir, una mejoría de 3.46 puntos porcentuales, lo que indica que está casi al doble del mínimo requerido.En este punto se agregan las facilidades de liquidez que ha otorgado el Banco Central al sistema financiero por alrededor de RD$215,000 millones a un 3% anual, de los cuales han sido colocados cerca de RD$184,000 millones a una tasa promedio de 8%. El margen de intermediación de cinco puntos ha sido servido de apalancamiento en las ganancias de todo el sector, las cuales terminaron sobre los RD$33,000 millones durante 2020.
Análisis
La firma Analytica, en un documento que publica en su portal José Antonio González, explica que el crédito ha registrado una importante reducción en su tasa de morosidad luego de alcanzar valores máximos desde 2014 con un 2.5% para abril 2020. En particular, indica, los sectores de educación, vivienda y hoteles, bares y restaurantes han mostrado reducciones significativas hasta llegar a valores de 0.3%, 1.5% y 0.4%, respectivamente.
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