The Central Bank of Nicaragua published its Banking and Financial System (SBF) indicators for December 2025, reporting that the system ended 2025 with positive performance, including double-digit growth in credit and public deposits, improved loan quality, and liquidity and solvency levels above regulatory limits. Cumulatively to December 2025, the SBF raised funding mainly through higher obligations to the public (NIO 36,409.5 million) and increased equity (NIO 5,948.5 million), primarily used to expand the gross loan portfolio (NIO 25,579.7 million) and investments (NIO 14,411.8 million). Public deposits grew 15.2% year on year to NIO 275,238.4 million, while the credit portfolio increased 12.0% to NIO 238,105.3 million; the performing portfolio remained at 95.7% of total gross loans and the past-due ratio fell to 1.1% from 1.4% in December 2024. Liquidity, measured as cash and cash equivalents over public deposits, stood at 34.9%, and the legal reserve requirement (fortnightly measure) showed overcompliance, with effective end-month rates of 16.0% in domestic currency and 15.6% in foreign currency; profitability ended the month at ROE 13.2% (13.7% in December 2024) and ROA 2.3% (2.4%), while capital adequacy was 18.5% (18.4%).
Central Bank of Nicaragua 2026-01-28
Central Bank of Nicaragua publishes December 2025 banking and financial system indicators highlighting 15.2% deposit growth and 12.0% loan growth
The Central Bank of Nicaragua reported that December 2025 Banking and Financial System indicators showed positive performance, with double-digit growth in credit and public deposits, improved loan quality, and liquidity and solvency levels above regulatory limits. Public deposits increased by 15.2% year-on-year to NIO 275,238.4 million, while the credit portfolio rose by 12.0% to NIO 238,105.3 million, maintaining a performing portfolio at 95.7% of total gross loans and reducing the past-due ratio to 1.1%.