The Central Bank of Nicaragua published its September 2025 indicators for the Banking and Financial System (SBF), presenting the sector as maintaining a solid position supported by risk management, prudential solvency and liquidity, and favourable operating performance. The update points to continued double-digit year-on-year growth in both public deposits and the credit portfolio, while noting that credit is showing signs of deceleration. Cumulative to September 2025, the SBF obtained funding mainly through higher obligations to the public (NIO 27,571.1 million) and, to a lesser extent, higher equity (NIO 3,711.2 million), with the main uses of funds directed to increased investments (NIO 17,293.8 million) and loan growth (NIO 13,894.5 million), and to a lesser extent cash (NIO 1,879.7 million). Public deposits grew 13.5% y/y to NIO 266,388.0 million and the credit portfolio increased 12.9% y/y to NIO 226,420.1 million; performing loans represented 95.6% of gross loans and the past-due loan ratio stood at 1.2% (1.7% in September 2024). Liquidity, measured as cash and cash equivalents over public deposits, was 33.6%, and the biweekly legal reserve showed over-compliance in both domestic and foreign currency, with effective end-month rates of 15.7% and 15.6%, respectively; ROE was 13.5% (12.6% a year earlier), ROA was 2.4% (2.2%), and capital adequacy was 19.1% (19.2%).
Central Bank of Nicaragua 2025-10-30
Central Bank of Nicaragua publishes September 2025 banking indicators showing 13.5% y/y deposit growth and 12.9% credit growth
The Central Bank of Nicaragua reported that the Banking and Financial System maintained a solid position in September 2025, supported by robust risk management, solvency, and liquidity. Public deposits and the credit portfolio showed double-digit year-on-year growth, although credit growth is decelerating. Key metrics include a 13.5% increase in public deposits, a 12.9% rise in the credit portfolio, and a liquidity ratio of 33.6%, with performing loans at 95.6% of loans.