{"id":25408,"date":"2026-08-10T09:00:00","date_gmt":"2026-08-10T13:00:00","guid":{"rendered":"https:\/\/gestionderiesgo.org\/?p=25408"},"modified":"2026-10-12T21:01:03","modified_gmt":"2026-10-13T01:01:03","slug":"guia-riesgos-ambientales-y-sociales-sector-bancario-rd","status":"publish","type":"post","link":"https:\/\/gestionderiesgo.org\/en\/guia-riesgos-ambientales-y-sociales-sector-bancario-rd\/","title":{"rendered":"Good practice guide for managing environmental and social risks in the Dominican banking sector"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" 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.cgp-cover.cgp-doc{aspect-ratio:4\/3}#cgr-pub .cgp-head{grid-template-columns:minmax(0,1fr);gap:26px}#cgr-pub .cgp-body{grid-template-columns:minmax(0,1fr);gap:30px}#cgr-pub .cgp-side{position:static}}\n@media(max-width:520px){#cgr-pub{font-size:16px}#cgr-pub .cgp-facts{grid-template-columns:minmax(0,1fr)}#cgr-pub .cgp-btn{width:100%;justify-content:center}}\n<\/style>\n<div id=\"cgr-pub\">\n<header class=\"cgp-head\">\n<figure class=\"cgp-cover cgp-doc\"><i style=\"background-image:url(https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2026\/10\/pub-guia-riesgos-ambientales-y-sociales-sector-bancario-rd.jpg?v=1791455550)\"><\/i><img fetchpriority=\"high\" src=\"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2026\/10\/pub-guia-riesgos-ambientales-y-sociales-sector-bancario-rd.jpg?v=1791455550\" width=\"720\" height=\"932\" alt=\"Primera p\u00e1gina del documento: Gu\u00eda de buenas pr\u00e1cticas para la gesti\u00f3n de riesgos ambientales y sociales en el sector bancario de la Rep\u00fablica Dominicana\" loading=\"eager\" decoding=\"async\"><\/figure>\n<div class=\"cgp-intro\">\n<p class=\"cgp-kind\">Guide \u00b7 Local regulator and supervisor<\/p>\n<h2 class=\"cgp-title\">Good practice guide for managing environmental and social risks in the Dominican banking sector<\/h2>\n<p class=\"cgp-lead\">The Superintendency of Banks offers institutions a practical and proportionate framework for managing environmental and social risks in lending.<\/p>\n<dl class=\"cgp-facts\"><div><dt>Organization<\/dt><dd>Superintendency of Banks of the Dominican Republic (SB)<\/dd><\/div><div><dt>Document date<\/dt><dd>10 August 2026<\/dd><\/div><div><dt>Type<\/dt><dd>Guide<\/dd><\/div><div><dt>Language<\/dt><dd>Spanish<\/dd><\/div><div><dt>Scope<\/dt><dd>Dominican Republic<\/dd><\/div><\/dl>\n<div class=\"cgp-actions\"><a class=\"cgp-btn\" href=\"https:\/\/sb.gob.do\/media\/lujiqrvw\/carta-circular-cci-reg-2026000010-guia-riesgo-ambiental-y-anexo.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M7 3h7l5 5v12a1 1 0 0 1-1 1H7a1 1 0 0 1-1-1V4a1 1 0 0 1 1-1z\"\/><path d=\"M14 3v5h5\"\/><path d=\"M9 14h6\"\/><path d=\"M9 17h4\"\/><\/svg>Official document (PDF)<\/a><\/div>\n<\/div>\n<\/header>\n<div class=\"cgp-body\">\n<div class=\"cgp-main\">\n<h3>What it contains<\/h3>\n<p>The Superintendency of Banks made available to financial intermediation entities (EIFs) a guide of good practices for managing environmental and social risks, communicated through Circular Letter CCI-REG-2026000010 of 10 August 2026. It is a reference document: it sets no regulatory provisions or obligations, and it urges applying it with criteria of proportionality, gradualness and adaptation to each institution\u2019s business model, size, operational complexity and risk profile. It is based on international standards, regional good practices and contributions from the national financial system itself.<\/p><p>The guide is organized into ten chapters: context, conceptual framework, regulatory and normative framework, governance and policies, integration of the ESRMS (Environmental and Social Risk Management System) into the credit cycle, environmental and social risk in financing applications, tools and methodologies, high-impact sectors, training and organizational culture, and practical cases. It closes with a bibliography, a glossary and annexes.<\/p><p>Operationally it proposes dividing responsibilities among senior management, an environmental and social management unit (UGAS) and the business area; screening applications with an exclusion list; categorizing operations as high (A), medium (B) or low (C) risk, with examples by sector; carrying out environmental and social due diligence, with field visits and environmental and social action plans (PAAS); and including contractual compliance clauses. It incorporates risk matrices and checklists by sector, an annual training program approved by the board and practical cases from Dominican institutions, among them the social risk assessment of an energy project and the environmental compliance of rice producers who lacked permits and property titles.<\/p>\n<section class=\"cgp-importa\"><h3>Why it matters for risk management<\/h3><p>For EIFs it is the supervisor\u2019s reference for structuring the ESRMS and for incorporating environmental and social criteria into credit assessment. For other risk managers it is a model of how to bring these risks into the credit cycle. Because it is a reference, check current regulation to see what is required in each case.<\/p><\/section>\n<p class=\"cgp-note\">Summary prepared by the Dominican Republic Risk Management Club from a reading of the original document, with the source verified on 7 October 2026. It does not replace reading the official text and is not advice.<\/p>\n<p class=\"cgp-back\"><a href=\"\/en\/publicaciones\/\">See all publications<\/a><\/p>\n<\/div>\n<aside class=\"cgp-side\">\n<section class=\"cgp-card\"><h3>Key points<\/h3><ul class=\"cgp-points\"><li>It is a reference guide: it creates no regulatory obligations and is applied proportionately and gradually.<\/li><li>It integrates the ESRMS into the credit cycle, with roles for senior management, the UGAS and the business area.<\/li><li>Exclusion list and categorization of operations as high (A), medium (B) or low (C) risk.<\/li><li>Environmental and social due diligence, an action plan (PAAS) and contractual compliance clauses.<\/li><li>It includes matrices, checklists by sector, an annual training program and local practical cases.<\/li><\/ul><\/section>\n<section class=\"cgp-card\"><h3>How to cite it<\/h3><p class=\"cgp-cite\">Superintendency of Banks of the Dominican Republic (2026). Good practice guide for managing environmental and social risks in the Dominican banking sector. Circular Letter CCI-REG-2026000010, 10 August 2026.<\/p><\/section>\n<section class=\"cgp-card\"><h3>Topics<\/h3><ul class=\"cgp-chips\"><li><a href=\"\/en\/publicaciones\/?tema=asg-y-clima\">ESG and climate<\/a><\/li><li><a href=\"\/en\/publicaciones\/?tema=riesgo-de-credito-y-contraparte\">Credit and counterparty risk<\/a><\/li><\/ul><\/section>\n<\/aside>\n<\/div>\n<\/div><link rel=\"stylesheet\" href=\"https:\/\/fonts.googleapis.com\/css2?family=Zilla+Slab:wght@500;600&display=swap\">\n<footer id=\"cgr-foot\" aria-label=\"Footer of the Risk Management Club\">\n<style>\n#main{padding-bottom:0!important}\n.fusion-fullwidth:has(#cgr-foot),.fusion-layout-column:has(#cgr-foot){padding-bottom:0!important;margin-bottom:0!important}\n#cgr-foot{--navy:#0E3351;--blue:#186392;--web:#1A80B6;--red:#E22A3A;--ink:#1C2632;--slate:#5B6775;--line:#D9E1EA;--mist:#F2F5F8;\n  position:relative;margin:96px 0 0;padding:0;background:var(--mist);box-shadow:0 0 0 100vmax var(--mist);clip-path:inset(0 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Av. Tiradentes at the corner of Presidente Gonz\u00e1lez, Ensanche Naco, Santo Domingo<\/span><\/li>\n      <li><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M5 4h4l2 5-2.5 1.5a11 11 0 0 0 5 5L15 13l5 2v4a2 2 0 0 1-2 2A16 16 0 0 1 3 6a2 2 0 0 1 2-2\"\/><\/svg><span><a href=\"tel:+18097453289\">809-745-3289<\/a><br><a href=\"tel:+18494774959\">849-477-4959<\/a><a class=\"cgf-wa\" href=\"https:\/\/wa.me\/18494774959\" target=\"_blank\" rel=\"noopener\" aria-label=\"Escribir por WhatsApp al 849-477-4959 (se abre en una pesta\u00f1a nueva)\" title=\"WhatsApp\"><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M17.472 14.382c-.297-.149-1.758-.867-2.03-.967-.273-.099-.471-.148-.67.15-.197.297-.767.966-.94 1.164-.173.199-.347.223-.644.075-.297-.15-1.255-.463-2.39-1.475-.883-.788-1.48-1.761-1.653-2.059-.173-.297-.018-.458.13-.606.134-.133.298-.347.446-.52.149-.174.198-.298.298-.497.099-.198.05-.371-.025-.52-.075-.149-.669-1.612-.916-2.207-.242-.579-.487-.5-.669-.51-.173-.008-.371-.01-.57-.01-.198 0-.52.074-.792.372-.272.297-1.04 1.016-1.04 2.479 0 1.462 1.065 2.875 1.213 3.074.149.198 2.096 3.2 5.077 4.487.709.306 1.262.489 1.694.625.712.227 1.36.195 1.871.118.571-.085 1.758-.719 2.006-1.413.248-.694.248-1.289.173-1.413-.074-.124-.272-.198-.57-.347m-5.421 7.403h-.004a9.87 9.87 0 01-5.031-1.378l-.361-.214-3.741.982.998-3.648-.235-.374a9.86 9.86 0 01-1.51-5.26c.001-5.45 4.436-9.884 9.888-9.884 2.64 0 5.122 1.03 6.988 2.898a9.825 9.825 0 012.893 6.994c-.003 5.45-4.437 9.884-9.885 9.884m8.413-18.297A11.815 11.815 0 0012.05 0C5.495 0 .16 5.335.157 11.892c0 2.096.547 4.142 1.588 5.945L.057 24l6.305-1.654a11.882 11.882 0 005.683 1.448h.005c6.554 0 11.89-5.335 11.893-11.893a11.821 11.821 0 00-3.48-8.413Z\"\/><\/svg><\/a><\/span><\/li>\n      <li><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><rect x=\"3\" y=\"5\" width=\"18\" height=\"14\" rx=\"2\"\/><path d=\"m3.5 6.5 8.5 6.5 8.5-6.5\"\/><\/svg><a href=\"mailto:info@gestionderiesgo.org\">info@gestionderiesgo.org<\/a><\/li>\n      <li><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 7v5l3 2\"\/><\/svg><span>Monday to Thursday, 8:30 a.m. to 5:30 p.m.<br>Friday, 8:30 a.m. to 5:00 p.m.<\/span><\/li>\n    <\/ul>\n  <\/div>\n<\/div>\n\n<div class=\"cgf-bar\">\n  <div class=\"cgf-legal\"><img decoding=\"async\" class=\"cgf-pay\" src=\"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2023\/01\/Verified.png\" alt=\"Verified by Visa y Mastercard ID Check\" width=\"101\" height=\"34\" loading=\"lazy\"><p>\u00a9 2026 Gesti\u00f3n de Riesgo RD, SRL. 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