The Central Bank of Montenegro (CBCG) has published its end-of-year statistics for the banking sector, revealing that the total liquid assets held by Montenegrin banks reached approximately €1.49 billion by the end of 2025. This amount reflects a 2.64% increase from November but is about 10.8% lower than figures recorded in December 2024, indicating variability in short-term asset holdings within the sector. The liquidity ratios reported for the banking system consistently surpassed regulatory minimums, highlighting the sector’s capacity to withstand potential cash flow challenges.
Total assets within the banking sector, as measured by balance sheet totals, amounted to €7.91 billion at year-end. This represents a 2.48% increase from the previous month and a 9.05% rise year-on-year, suggesting a trend of growth in banking intermediation and overall balance sheet expansion. Within this asset composition, net loans made up approximately 65.34%, followed by securities at 18.27% and cash along with central bank deposits at 13.04%. This distribution underscores that lending activities remain a primary driver of bank assets.
On the liabilities side, deposits constituted around 76.8%, while capital accounted for 12.96% and borrowings represented 5.91%. These figures reinforce the significant role of both household and corporate deposits in financing the banking sector. Total bank capital was reported at about €1.03 billion, reflecting an increase of 1.88% monthly and approximately 15% year-on-year, indicating a strengthening of equity positions across banks.
Overall, the 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 create a solid basis for credit expansion amid changing macroeconomic environments.
