The National Bank of Serbia published its second quarter 2026 review of financial stability indicators, showing improved bank capitalization and asset quality alongside modest declines in profitability and liquidity. The regulatory capital ratio rose to 20% from 19.5% in the first quarter, while nonperforming loans fell to 2% of gross loans from 2.1%. Return on equity eased to 17.9% from 18.1%, and return on assets declined to 2.4% from 2.5%. Liquidity measures weakened during the quarter, with liquid assets falling to 33.6% of total assets and 41.7% of short term liabilities, although the average monthly liquidity and narrow liquidity ratios remained above their regulatory minimums. Customer deposits covered 118.1% of noninterbank loans, while foreign currency denominated loans accounted for 55.9% of total loans. Total financial sector assets reached RSD 8.05 trillion, of which banks held 90.5%, and gross foreign exchange reserves covered 6.7 months of imports.
2026-09-25National Bank of Serbia
National Bank of Serbia reports higher bank capital and a 2% nonperforming loan ratio in the second quarter
The National Bank of Serbia reported that banks’ regulatory capital ratio rose to 20% in the second quarter of 2026, while the nonperforming loan ratio fell to 2%. Profitability and liquidity measures eased, but average monthly liquidity ratios remained above regulatory minimums.