The Register · Nicaragua
Who lends in Nicaragua, and who owns them.
Loans and deposits of the banks in SIBOIF's balance-sheet series, Jan 2024 to Sep 2026, read from the regulator's own files. The banks add up to SIBOIF's own banking-system sheet, for loans, deposits and assets, every month.
US$6.8bnBank loans, all 8 banks, Sep 2026
79.4%Held by the three largest banks: Banpro, BAC Nicaragua, Banco Lafise Bancentro
+12.3%Change in the system's loan book over twelve months in local currency
US$12,000Deposit insurance per depositor and per bank
All banks
8 banks, ranked by loans.
| # | Bank | Regional group | Loans, US$m | Share | 12 months | Deposits, US$m | 12 months | Trend |
|---|---|---|---|---|---|---|---|---|
| 1 | Banpro | 2,046 | 29.89% | +12.4% | 2,394 | +12.3% | ||
| 2 | BAC Nicaragua | BAC | 2,032 | 29.70% | +13.7% | 2,109 | +14.2% | |
| 3 | Banco Lafise Bancentro | 1,353 | 19.78% | +12.8% | 2,340 | +15.0% | ||
| 4 | Banco Ficohsa Nicaragua | 534 | 7.80% | +19.7% | 665 | +23.9% | ||
| 5 | BDF | 451 | 6.59% | +3.8% | 515 | +6.9% | ||
| 6 | Banco Avanz | 299 | 4.37% | +12.2% | 312 | +23.0% | ||
| 7 | Banco Produzcamos | 83 | 1.21% | -11.0% | 0 | – | ||
| 8 | Banco Atlántida Nicaragua | 45 | 0.66% | -8.0% | 26 | +27.3% |
Loans: Gross loans (vigentes, prorrogados, reestructurados, vencidos, cobro judicial). Trend: quarter-ends in local currency as reported, latest month last.
Safety net and sources
What stands behind a deposit.
- US$12,000 per depositor and per bank, principal and interest, net of any debt the depositor owes the bank (Ley 551, art. 32, as reformed).
Ley 551, Sistema de Garantía de Depósitos, y su reforma · Banco Central de Nicaragua · sha256 8be37d408fa4 - thousands of córdobas, converted at 36.6243 per US$ (BCN official rate; zero crawl since January 2024).
- Serie de balances de situación, bancos (ene 2019–sep 2026) · SIBOIF · sha256 972b4eba0e70
- Tipo de cambio oficial, diciembre 2023 (31-12-2023: 36.6243) · Banco Central de Nicaragua · sha256 65ced14a7fd7