The Central Bank of Bosnia and Herzegovina held its annual media briefing to present its 2025 results and key achievements, reaffirming its currency board mandate and focus on monetary and financial stability alongside modernisation and digitalisation. The update paired financial performance with operational priorities, including payment system upgrades, banknote modernisation and a stepped-up cyber resilience programme linked to European integration efforts. As of 30 November 2025, foreign exchange reserves stood at BAM 18.28 billion, up BAM 643 million year on year, while net foreign assets reached BAM 1.65 billion, up BAM 283 million. The currency board coverage ratio rose to 109.9%, and monetary gold reserves increased to 3.5 tons, valued at BAM 799 million. Net profit totalled BAM 289.77 million, exceeding the 2025 plan of BAM 276 million, with net interest income of BAM 320 million and capital and reserves of BAM 1.72 billion, up BAM 528 million compared with 2024. On operations, work continued on preparations to access the Single Euro Payments Area (SEPA) and further integrate TARGET Instant Payment Settlement (TIPS) solutions, alongside withdrawal of older banknote issues and modernisation of convertible mark banknotes. Cyber initiatives included cooperation with the European Central Bank under a cyber resilience and payment systems oversight project, participation in the EU IPA “Cyber Balkans” programme (2023–2026), a United Kingdom-supported cyber maturity assessment project, and regular membership of the European Central Bank’s OSSAT platform; internal changes cited included deploying digital signatures, developing an in-house artificial intelligence-based application, and strengthening analytics and reporting aligned with European Union requirements. The bank also flagged ongoing multi-year cooperation and technical assistance, including the Swiss State Secretariat for Economic Affairs technical cooperation programme (2025–2028) covering cybersecurity, risk management, human resources and SEPA payment systems, continued World Bank support for payment system modernisation and QR codes for instant payments, and follow-on International Monetary Fund work planned in communications, required reserves, cybersecurity and operational risks after completion of governance-focused assistance.
Central Bank of Bosnia and Herzegovina 2025-12-23
Central Bank of Bosnia and Herzegovina presents 2025 results with BAM 18.28 billion in reserves and BAM 289.77 million net profit
The Central Bank of Bosnia and Herzegovina presented its 2025 results, highlighting achievements in monetary stability, digitalisation, and European integration. Key metrics included foreign exchange reserves of BAM 18.28 billion and a currency board coverage ratio of 109.9%. Priorities focused on payment system upgrades, banknote modernisation, and enhanced cyber resilience, with ongoing international cooperation and technical assistance.