The Central Bank of Nicaragua published its Banking and Finance System (SBF) indicators for August 2025, reporting continued momentum in the sector with double-digit year-on-year growth in both public deposits and the loan portfolio, alongside adequate solvency and liquidity metrics. Cumulatively through August 2025, the SBF’s increase in obligations to the public totalled NIO 26,431.0 million, funding higher investments (NIO 14,390.9 million), an expanded credit portfolio (NIO 11,105.7 million) and increased cash (NIO 6,102.7 million). Public deposits rose 11.6% year on year to NIO 265,268.8 million, while the loan portfolio grew 13.5% to NIO 223,631.3 million. Asset quality indicators showed a performing portfolio of 95.6% of gross loans and a delinquency ratio of 1.1% (down from 1.6% in August 2024). Liquidity, measured as cash and cash equivalents over public deposits, stood at 34.6%, and the legal reserve (fortnightly measure) showed overcompliance, with end-month effective rates of 16.7% in local currency and 15.7% in foreign currency. Profitability and capital metrics included ROE of 13.4% (12.4% in August 2024), ROA of 2.3% (2.2%), and capital adequacy of 19.1% (unchanged year on year).
Central Bank of Nicaragua 2025-10-01
Central Bank of Nicaragua publishes August 2025 banking system indicators showing double-digit growth in deposits and credit
The Central Bank of Nicaragua reported robust growth in the Banking and Finance System for August 2025, with public deposits increasing by 11.6% and the loan portfolio by 13.5% year on year. Asset quality remained strong, with a performing portfolio at 95.6% and a reduced delinquency ratio of 1.1%. Liquidity and capital metrics were solid, with liquidity at 34.6% and capital adequacy at 19.1%.