The Central Bank of Nicaragua published its July 2025 Indicators of the Banking and Financial System (SBF), reporting that the system remained financially solid, supported by prudent risk management and adequate solvency and liquidity. Financial intermediation continued to expand, with double-digit growth in both deposits and the credit portfolio, although at a slower pace than in previous months. By end-July 2025, the SBF’s cumulative resource growth was driven mainly by higher obligations to the public of NIO 24,104.7 million, channelled primarily into increased investments of NIO 11,404.4 million, the credit portfolio of NIO 9,733.1 million and cash of NIO 6,484.7 million. Public deposits rose 11.4% year on year to NIO 262,971.9 million, while the loan book increased 14.3% to NIO 222,258.7 million. Loan quality indicators showed performing loans at 95.5% of gross loans and a delinquency ratio of 1.1% (1.6% in July 2024). Liquidity, measured as cash and cash equivalents over public deposits, stood at 34.9%, and the legal reserve requirement (fortnightly measurement) showed overcompliance in both local and foreign currency, with effective end-month rates of 16.0% and 16.4% respectively. Profitability and capital indicators were ROE of 13.4% (12.5% in July 2024), ROA of 2.3% (2.2%) and capital adequacy of 19.0% (19.3%).
Central Bank of Nicaragua 2025-09-02
Central Bank of Nicaragua publishes July 2025 banking indicators showing 11.4% deposit growth and 1.1% delinquency ratio
The Central Bank of Nicaragua's July 2025 Indicators of the Banking and Financial System report highlights financial solidity, with prudent risk management and adequate solvency and liquidity. Financial intermediation expanded, with public deposits rising 11.4% year-on-year and the loan book increasing 14.3%. Loan quality remained strong with a 95.5% performing loan ratio, while liquidity and capital adequacy were robust at 34.9% and 19%, respectively.