The Central Bank of Montenegro (CBCG) has released end-of-year banking sector statistics showing that the aggregate liquid assets of Montenegrin banks totalled approximately €1.49 billion at the close of 2025. This figure represented a 2.64 % increase compared with November levels, although it remained about 10.8 % below December 2024 levels, underlining fluctuations in short-term asset holdings within the sector. Throughout the period, reported liquidity ratios for the banking system exceeded regulatory minimum thresholds, signalling that the sector maintained adequate short-term funding buffers and resilience against potential cash flow pressures.
Total banking sector assets, measured by the balance sheet sum, reached €7.91 billion at year-end, reflecting a 2.48 % rise on the previous month and a 9.05 % year-on-year increase, suggesting expanding banking intermediation and balance sheet growth. Within this asset base, net loans constituted the largest share at approximately 65.34 %, followed by securities (18.27 %) and cash and central bank deposits (13.04 %), indicating that credit activity remains the central driver of bank asset composition. On the liabilities side, deposits accounted for around 76.8 %, with capital at 12.96 % and borrowings at 5.91 %, reinforcing the dominant role of household and corporate deposits in funding the sector. Total bank capital stood at about €1.03 billion, up **1.88 % monthly and roughly 15 % year-on-year, suggesting strengthening equity positions.
Overall, the data points to a Montenegrin banking sector that ended 2025 with solid liquidity and capital metrics, backed by a deposit-driven liability base and continued growth in assets and lending activity. Such conditions support financial stability objectives and provide a foundation for credit extension amid evolving macroeconomic conditions.
