Nicaragua Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Nicaragua's non-performing loans was 0.33% in 2025, ranked 114th globally. This represents a 78.3% decrease from 2024. Data from World Bank, covering 2008–2025.
Overview
Nicaragua's non-performing loans stood at 0.33% in 2025, a decline of +1.19pp from 2023. Based on recent trends, this figure is projected to reach 0.33% by 2025. Nicaragua ranked 114th globally.
Nicaragua’s non‑performing loan ratio has fallen dramatically over the 17‑year span from 2.47 % in 2008 to a trough of 0.33 % in 2025, the lowest level among 114 economies reporting to the World Bank. The ratio peaked at 3.71 % in 2020, a reflection of the credit stress that accompanied the pandemic‑induced slowdown, before the banking sector’s aggressive restructuring and tighter underwriting reversed the trend. By 2025 the country matches Canada’s 0.33 % ratio and is only slightly above Slovenia’s 0.35 %, positioning it among the world’s most sound loan portfolios. This improvement coincides with higher capital buffers, a modest decline in private sector debt growth, and the adoption of more rigorous risk‑assessment frameworks. Continued macro‑economic stability, sustained reforms in credit monitoring, and avoidance of external shocks will be crucial to preserve the downward trajectory of non‑performing loans and prevent a reversal toward the 2020 peak.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | -0.20% | - | - |
| 2025* trend | 0.33% | - | - |
| 2025 | 0.33% | −1.19pp | #114 |
| 2023 | 1.52% | −0.02pp | #20 |
| 2022 | 1.54% | −0.91pp | #25 |
| 2021 | 2.45% | −1.26pp | #48 |
| 2020 | 3.71% | +0.60pp | #63 |
| 2019 | 3.11% | +0.68pp | #56 |
| 2018 | 2.43% | +1.39pp | #42 |
| 2017 | 1.04% | +0.18pp | #12 |
| 2016 | 0.86% | −0.02pp | #8 |
| 2015 | 0.89% | −0.11pp | #8 |
| 2014 | 1.00% | −0.98pp | #10 |
| 2013 | 1.98% | +0.10pp | #27 |
| 2012 | 1.88% | −0.03pp | #21 |
| 2011 | 1.91% | −0.13pp | #22 |
| 2010 | 2.04% | −0.51pp | #21 |
Detected Pattern
Analysis
Nicaragua matched the Export Boom Cycle pattern in 2024. Historically, 71% of countries showing this pattern (546 out of 768) saw non-performing loans improve within 24 months. View full analysis →
Frequently Asked Questions
Nicaragua's non-performing loans was 0.33% in 2025. Ranked 114th globally. This represents a 78.3% decrease from the previous year.
Nicaragua's non-performing loans peaked at 3.71% in 2020.
The lowest non-performing loans in Nicaragua was 0.33% in 2025.
Nicaragua ranks 114th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Nicaragua's non-performing loans is projected to reach 0.33% by 2025 based on trend extrapolation.
The non-performing loans of Nicaragua in 2025 was 0.33%. This ranks 114th in the world.
Cite this page
@misc{historysaid_nicaragua_non-performing-loans,
title = {Nicaragua Non-Performing Loans},
url = {https://historysaid.com/nicaragua/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}