The Central Bank of Montenegro’s Council adopted the bank’s 2025 Annual Report, which says the institution advanced Montenegro’s EU accession work, completed the country’s accession to the Single Euro Payments Area, and maintained financial stability. The Council also adopted the 2025 Price Stability Report and reviewed the 2025 Financial Stability Report, which found the financial system resilient overall but facing stronger cyclical vulnerabilities. The annual report links the bank’s work to progress under EU accession chapters on free movement of capital, financial services, economic and monetary policy, and statistics. First SEPA transactions were executed on 7 October 2025, and the central bank estimated savings of about EUR 4.8 million in the first seven months of use. In the banking sector, total assets exceeded EUR 7.9 billion, lending grew 14.24 percent, and the non-performing loan ratio fell to 2.67 percent. The report also highlights work on bank resolution, anti-money laundering and counter-terrorist financing, consumer protection, financial inclusion, digitalisation, euro counterfeiting protection, and ESG risk management. In the Financial Stability Report, the Council said strong bank capital and liquidity supported resilience, but it pointed to rising risks from rapid credit growth and continued increases in real estate prices. It said earlier macroprudential steps, including higher capital requirements and extended measures on household lending sustainability, had strengthened resilience and that the central bank would continue monitoring systemic risks and take additional measures if needed. The Price Stability Report put average 2025 inflation at 3.9 percent and said the 2026 outlook remains uncertain because of geopolitical tensions and potential energy market disruptions.
Central Bank of Montenegro2026-06-02
Central Bank of Montenegro adopts 2025 annual report citing SEPA accession EU alignment and banking sector stability
The Central Bank of Montenegro’s Council adopted the 2025 Annual Report, Price Stability Report and Financial Stability Report, highlighting progress on EU accession, completion of Montenegro’s accession to the Single Euro Payments Area and financial system resilience. The reports note strong bank capital and liquidity, rapid credit growth, rising real estate prices, and average 2025 inflation of 3.9 percent, with an uncertain 2026 outlook. The Council said earlier macroprudential measures had strengthened resilience and that it would continue to monitor systemic risks.