The Central Bank of Nicaragua released its November 2025 Indicators of the Banking and Financial System, reporting continued credit expansion supported by double-digit growth in public deposits. The update points to improving credit quality and profitability, while liquidity and solvency remained above the regulator’s minimum requirements. Through November 2025, the system raised resources mainly through higher obligations to the public (NIO 31,655.4 million) and increased equity (NIO 5,187.9 million), with the main uses being growth in the gross loan book (NIO 20,217.3 million) and investments (NIO 15,613.1 million). Public deposits grew 12.5% year on year to NIO 270,490.7 million and the credit portfolio increased 10.2% to NIO 232,742.9 million; performing loans accounted for 95.7% of gross loans and the past-due loan ratio stood at 1.2% (1.6% in November 2024). Liquidity, measured as cash and cash equivalents over public deposits, was 35.3%; legal reserve requirements (fortnightly measurement) were over-fulfilled in both domestic and foreign currency, with an effective end-month ratio of 15.4% in each. The system reported ROE of 13.5% (13.0% in November 2024), ROA of 2.3% (2.3% in November 2024) and a capital adequacy ratio of 18.7% (18.2% in November 2024).
Central Bank of Nicaragua 2025-12-29
Central Bank of Nicaragua publishes November 2025 banking indicators with deposits up 12.5% and NPL ratio at 1.2%
The Central Bank of Nicaragua's November 2025 Indicators report highlights continued credit expansion driven by a 12.5% increase in public deposits and a 10.2% rise in the credit portfolio. Credit quality and profitability improved, with a return on equity of 13.5% and a capital adequacy ratio of 18.7%. Liquidity and solvency remained above regulatory requirements, with a liquidity ratio of 35.3% and legal reserve requirements over-fulfilled.