Name

Banco Ademi

Legal name

Banco Múltiple Ademi, S.A.

Website

https://bancoademi.com.do

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Microfinance and inclusive retail banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Microfinance banking
• MSME lending
• Savings accounts
• Remittance services
• Mortgage and consumer loans

Headquarters

HQ city

Santo Domingo

HQ country

Dominican Republic

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Interest Income from Loans: The bank earns interest income through its loan portfolio including microcredit, consumer loans, mortgages, vehicle loans, and business loans. As of 2025, the gross credit portfolio reached RD$17,657 million.
2. Service Fees and Commissions: Fees from account management, card issuance, wire transfers, ATM transactions, and other banking services as detailed in the service tariff.
3. Remittance Services: Revenue from domestic and international remittance services, with commissions of 4.20% for national and 5.20% for international remittances.
4. Insurance Products: Revenue from insurance products including life insurance, property insurance, and vehicle insurance offered to loan customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Banco Ademi operates as a Dominican multiple bank specialized in microfinance, offering savings and checking accounts (digital and traditional, in pesos and dollars), fixed-term certificates, consumer/mortgage/vehicle/home-improvement/agricultural/commercial/microcredit loans, multi-currency Visa credit and debit cards, life and property insurance, and remittance services. Distribution spans 74 branches across 28 provinces, the AppAdemi mobile app, Ademi Online internet banking, subagent outlets, and the MoneyGram remittance network, with 24-72 hour credit approval and 100% digital account opening for underserved individuals and MSMEs.

Product overview

Banco Ademi is a diversified banking institution offering a comprehensive portfolio of financial products and services through 74 branches across 28 provinces in the Dominican Republic. The bank operates as a unified platform combining traditional banking services with specialized microfinance capabilities. Core offerings include savings accounts (digital and traditional in pesos and dollars), fixed-term certificates, personal and business loans, multi-currency credit cards, insurance products, and remittance services. The digital banking ecosystem comprises Ademi Online (internet banking) and AppAdemi (mobile application), enabling remote account management. The institution specializes in microfinance for underserved sectors, offering microcredit, agricultural loans, home improvement financing (CrediMejoras program), and green energy loans. Financial education initiatives include the Laboratorio del Ahorro program for youth. The bank operates under three business segments: Personal Banking, Business Banking (Micro, SME, and Corporate), and Digital Banking channels.

Differentiator

Problem solved

Functional benefit

Brands

• CrediMejoras: Annual financing fair program offering credit facilities for housing improvement and business expansion targeting low-income families in the Dominican Republic.
• Ademi Online
• App Ademi
• Laboratorio del Ahorro

Products and services

• Cuenta de Ahorro Digital en Pesos 100% digital Dominican peso savings account with remote opening via AppAdemi, requiring only identity documents and a mobile phone. Targeted at individuals seeking a primary digital banking relationship.
• Cuenta de Ahorro Digital en Dólares 100% digital US dollar savings account with remote opening capability, enabling dollar-denominated savings and international transactions for individuals.
• Cuenta de Ahorro en Pesos Traditional Dominican peso savings account with physical branch access and passbook issuance for individuals.
• Cuenta de Ahorro en Dólares US dollar savings account for individuals seeking dollar-denominated savings and international transaction capability through Banco Ademi's branch and digital channels.
• Cuenta de Ahorro Infantil Minors' savings account managed by parents or guardians, designed to instill saving habits and early financial education.
• Cuenta de Ahorro Mi Inicial Programmed savings account for children and adolescents, encouraging long-term financial discipline through scheduled deposits.
• Certificado Financiero en Pesos Fixed-term deposit certificate in Dominican pesos with interest rates based on amount and term, accessed through the branch network.
• Certificado Financiero en Dólares US dollar fixed-term deposit certificate for individuals seeking dollar-denominated investment returns.
• Certificado Digital en Pesos 100% digital fixed-term deposit certificate in pesos, fully managed through the AppAdemi mobile application and Ademi Online internet banking.
• Certificado Digital en Dólares Digital US dollar fixed-term deposit certificate with full management through Banco Ademi's online and mobile channels.
• Préstamo de Consumo Personal consumer-purpose loans with competitive rates and flexible repayment terms aimed at individual borrowers.
• Préstamo de Vehículo Vehicle financing for the purchase of cars and light trucks with flexible terms, accompanied by mandatory vehicle insurance products.
• Préstamo Hipotecario Home mortgage loans for property purchase with extended repayment periods, paired with mandatory fire and allied-lines property insurance.
• Crédito para Mejoramiento de Vivienda Home-improvement credit for repairs, renovations, and upgrades to residential properties, including the CrediMejoras annual fair program that benefits low-income families.
• Microcrédito Flagship microenterprise lending product for small business owners, with average ticket of RD$96,134 in 2025 and rapid 24-72 hour approval.
• Crédito Agrícola Micro Agricultural micro-loans supporting farmers and agribusiness at the micro level, including financing for productive MSMEs recognized by FELABAN's 2025 Innovation and Sustainability award.
• Préstamo Comercial (PYME y Empresa) Commercial loans for Dominican small and medium enterprises to fund business growth and operations, with dedicated tracks for pyme and Empresa (corporate) tiers.
• Línea de Crédito Revolving credit lines for SMEs and businesses, providing flexible access to working capital for ongoing operational needs.
• Visa Multimoneda Multi-currency Visa credit card enabling purchases in both Dominican pesos and US dollars with international acceptance.
• Visa Clásica Standard Visa credit card with international acceptance for personal purchases and cash advances.
• Visa Gold Internacional Premium Visa Gold credit card with enhanced benefits including extended warranty, purchase protection, and emergency card replacement.
• Visa Flexible Installment Visa credit card with flexible payment options for personal purchases.
• Visa Débito Visa debit card linked to savings or checking accounts for purchases, ATM withdrawals, and online transactions.
• Tarjetas Visa Empresariales (Multimoneda, Internacional, Plus) Business Visa credit cards (Multimoneda, Internacional, Plus) for SME and corporate cardholders, with multi-currency and international acceptance and tiered benefits.
• Tarjeta Flotilla de Combustible Fleet fuel card for business vehicle management and fuel expense control for SMEs and corporate clients.
• Seguros de Vida (Vida Menor, Ademi Vida Mayor, Protección Cuota) Microinsurance products including minor and adult life cover plus loan payment protection insurance, mandatory for loans above RD$1,500,000.
• Seguros de Bienes (Incendio, Vehículo) Property insurance covering fire and allied risks and vehicle insurance (Full and Simple Interest), mandatory for mortgage, home-improvement, and auto loans.
• Retira tus Remesas International and domestic remittance withdrawal service delivered through the MoneyGram partnership network and all 74 Banco Ademi branches across the Dominican Republic.
• AppAdemi Mobile Banking Application Native iOS and Android mobile banking application providing remote account access, digital certificate management, fund transfers, digital onboarding, and on-the-go financial services for retail and microentrepreneur customers.
• Ademi Online Internet Banking Web-based internet banking platform enabling customers to access accounts, manage loans, transfer funds, and communicate digitally with Banco Ademi.

Quantifiable outcome

• Disbursed over 123,000 loans worth RD$11,885 million in 2025
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Four partnerships are on record, tiered minor.

• Plan SierraminorStrategic or Co-development PartnerEnvironmental partnership for reforestation initiatives. Joint reforestation effort in Santiago region planting 3,500+ plants of various forest and fruit species in the Jánico micro-watershed area.
• Hábitat para la Humanidad República DominicanaminorStrategic or Co-development PartnerPartnership for the CrediMejoras housing improvement program, providing technical construction advice, educational materials, and financial education to families receiving home improvement loans.
• Global Alliance for Banking on Values (GABV)minorStrategic or Co-development PartnerMembership network of 70+ banks in 45 countries focused on values-based banking. Banco Ademi served as host for the 18th Annual Meeting in March 2026.
• Fundación AdemiminorStrategic or Co-development PartnerRelated foundation supporting social development programs, including joint reforestation initiatives and community development activities.

Scale indicators18 records

Recent moves11 records

Expansion highlights6 records

Direct peers

• BancoSol: Bolivian commercial bank specialized in microfinance and SME lending. Offers similar microcredit, savings, and group-lending products to underserved populations, providing a regional comparability benchmark.
• Banco ADOPEM: Banco ADOPEM is a Dominican microfinance-focused bank serving low-income women entrepreneurs and microentrepreneurs — directly competing with Banco Ademi in the same country, same niche, and same SME/microcredit segment.
• MiBanco: Peruvian microfinance commercial bank serving micro and small entrepreneurs with a national branch footprint and similar mix of credit, deposits, and remittance services — a useful benchmark for Banco Ademi's full-service microfinance model.
• Bancamia: Colombian microenterprise commercial bank owned by Fundación Microfinanzas BBVA, focused on microcredit and inclusive banking for low-income entrepreneurs — highly comparable model, geography, and customer base to Banco Ademi.
• Banco Compartamos: Mexico's leading microfinance commercial bank and a listed comparator (BMV: COMPARC). Closely comparable business model of serving underserved microentrepreneurs with deposit and credit products across an extensive branch network.

Broad incumbents

• Banco BHD: Major Dominican commercial bank with extensive retail and corporate franchise; competes with Banco Ademi across retail deposits, SME lending, and digital banking.
• Banco Popular Dominicano: One of the largest private commercial banks in the Dominican Republic, offering a full suite of retail and SME products. Encroaches on Banco Ademi's SME and consumer deposit segments with vastly greater scale.
• BanReservas: Dominican Republic's largest state-owned commercial bank and dominant incumbent with multi-asset retail, SME, and corporate banking products. Competes for the same SME/microfinance customers from a position of far greater scale and funding cost advantage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/bancoademi
• YouTubeyoutube.com/user/bancoademi
• Facebookfacebook.com/Bancoademi
• LinkedInlinkedin.com/company/banco-ademi
• Instagraminstagram.com/bancoademi
• TikToktiktok.com/@bancoademi

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Banco Ademi