The Central Bank of Nicaragua published its September 2025 Indicators for the Banking and Finance System (SBF), reporting continued double-digit year-on-year growth in both public deposits and the loan portfolio, alongside signals of a deceleration in credit growth. Through September 2025, the SBF’s funding increases were driven mainly by higher obligations to the public (NIO 27,571.1 million) and, to a lesser extent, equity (NIO 3,711.2 million), with the main uses being higher investments (NIO 17,293.8 million) and credit (NIO 13,894.5 million) and a smaller increase in cash (NIO 1,879.7 million). Public deposits rose 13.5% year on year to NIO 266,388.0 million and the credit portfolio increased 12.9% to NIO 226,420.1 million; performing loans represented 95.6% of gross loans and the past-due loan ratio was 1.2% (1.7% in September 2024). Liquidity, measured as cash and cash equivalents over public deposits, stood at 33.6%, while the legal reserve requirement (fourteen-day measurement) showed overcompliance in both local and foreign currency, with effective end-month rates of 15.7% and 15.6%, respectively. The SBF reported ROE of 13.5% (12.6% in September 2024), ROA of 2.4% (2.2%), and capital adequacy of 19.1% (19.2%).
Central Bank of Nicaragua 2025-10-30
Central Bank of Nicaragua publishes September 2025 banking and financial system indicators showing 13.5% deposit growth
The Central Bank of Nicaragua's September 2025 Indicators for the Banking and Finance System show double-digit year-on-year growth in public deposits and the loan portfolio, with signs of credit growth deceleration. Public deposits increased by 13.5% to NIO 266,388.0 million, while the credit portfolio rose 12.9% to NIO 226,420.1 million. Liquidity stood at 33.6%, and the system reported a return on equity of 13.5% and capital adequacy of 19.1%.