The Central Bank of Montenegro (CBCG) has published its end-of-year statistics for the banking sector, revealing that the aggregate liquid assets of Montenegrin banks reached approximately €1.49 billion by the end of 2025. This represents a 2.64% increase from November, although it is about 10.8% lower than the figures recorded in December 2024. The data indicates fluctuations in short-term asset holdings, yet liquidity ratios across the banking system consistently exceeded regulatory minimums, demonstrating adequate short-term funding and resilience to cash flow pressures.
Total assets within the banking sector amounted to €7.91 billion at year-end, marking a 2.48% rise from the previous month and a significant 9.05% increase year-on-year. This growth suggests a trend of expanding banking intermediation and balance sheet development. Within this asset composition, net loans represented approximately 65.34%, followed by securities at 18.27% and cash and central bank deposits at 13.04%. This distribution highlights the continued prominence of credit activity as a primary driver of bank assets.
On the liabilities side, deposits constituted around 76.8% of total liabilities, with capital accounting for 12.96% and borrowings at 5.91%. These figures underscore the critical role of household and corporate deposits in financing the sector. Additionally, total bank capital was reported at about €1.03 billion, reflecting a monthly increase of 1.88% and an annual growth of roughly 15%, indicating strengthened equity positions within the banks.
The overall data illustrates that the Montenegrin banking sector concluded 2025 with robust liquidity and capital metrics, supported by a deposit-driven funding structure and ongoing growth in both assets and lending activities. These conditions align with financial stability objectives and provide a solid foundation for future credit extension amid changing macroeconomic conditions.
