The Central Bank of Nicaragua published its June 2025 Banking and Financial System (SBF) indicators note, reporting continued solid performance with adequate liquidity and solvency. Higher intermediation activity supported improved profitability indicators, while public deposits and the credit portfolio expanded at double-digit year-on-year rates alongside strong credit quality. In the cumulative period to June 2025, liabilities to the public increased by NIO 19,291.8 million, funding growth in the credit portfolio (NIO 9,618.3 million), investments (NIO 7,501.6 million) and cash (NIO 4,935.6 million). Public deposits rose 11.7% year-on-year to NIO 258,194.1 million and the credit portfolio increased 15.6% to NIO 222,143.8 million; performing loans accounted for 95.4% of gross loans and the non-performing loan ratio was 1.1% (1.6% in June 2024). Liquidity, measured as cash and equivalents over public deposits, was 34.6%, and the legal reserve (biweekly measurement) showed overcompliance in both córdobas and dollars, with effective end-of-month rates of 16.3% in domestic currency and 16.0% in foreign currency. ROE was 13.4% (12.3% in June 2024), ROA was 2.3% (2.1% in June 2024), and capital adequacy stood at 19.2% (19.2% in June 2024).
Central Bank of Nicaragua 2025-08-04
Central Bank of Nicaragua publishes June 2025 Banking and Financial System indicators showing 11.7% deposit growth and 15.6% credit growth
The Central Bank of Nicaragua's June 2025 Banking and Financial System indicators note highlights robust performance with strong liquidity and solvency. Public deposits and the credit portfolio expanded significantly, with public deposits rising 11.7% year-on-year and the credit portfolio increasing 15.6%. Key financial metrics include a non-performing loan ratio of 1.1%, a liquidity ratio of 34.6%, and a capital adequacy ratio of 19.2%.