The Central Bank of Nicaragua published its October 2025 Indicators for the Banking and Finance System (SBF), reporting that the system remained solid on liquidity, capital and profitability metrics, with continued positive financial intermediation and low loan delinquency. Through October 2025, the SBF increased funding mainly via higher obligations to the public (NIO 32,028.5 million) and, to a lesser extent, higher equity (NIO 4,497.3 million). The main uses of funds were higher investments (NIO 20,511.4 million) and an expansion in the loan portfolio (NIO 16,573.1 million). Public deposits grew 13.7% year on year to NIO 270,808.9 million, while the credit portfolio rose 12.5% to NIO 229,098.7 million; the share of performing loans held at 95.7% of total gross loans and the delinquency ratio was 1.1% (1.6% in October 2024). Liquidity, measured as cash and cash equivalents over public deposits, stood at 34.7%. The legal reserve requirement (biweekly measurement) showed over-compliance in both local currency and US dollars, with effective end-month rates of 15.5% in domestic currency and 15.4% in foreign currency. Profitability and capital metrics at end-October included ROE of 13.5% (12.9% in October 2024), ROA of 2.3% (2.2%), and a capital adequacy ratio of 19.1% (18.9%).
Central Bank of Nicaragua 2025-11-27
Central Bank of Nicaragua releases October 2025 banking system indicators showing 13.7% deposit growth and 1.1% delinquency
The Central Bank of Nicaragua's October 2025 report highlights solid liquidity, capital, and profitability metrics, with positive financial intermediation and low loan delinquency. Public deposits grew 13.7% year on year, while the credit portfolio increased by 12.5%, maintaining a 95.7% share of performing loans. The system showed over-compliance with legal reserve requirements and improved profitability and capital metrics, including a ROE of 13.5% and a capital adequacy ratio of 19.1%.