Podgorica, (MINA-BUSINESS) – Compared with December 2025, the average liquid assets of Montenegrin banks decreased by 8.72 percent to €1.36 billion at the end of January.

According to the statistics released by the Central Bank of Montenegro (CBCG), the average liquid assets decreased by 6.67 percent year on year in January.

The liquidity index of the banking system was above the required minimum in this period. 

At the end of January, the combined balance of all banks amounted to €7.83 billion, 0.94 percent less than in December, and 9.9 percent more than in the same period in 2025.  

In the overall structure of banks’ assets, the highest share was that of loans at 66.32 percent, securities at 18.17 percent, and cash and deposits with central banks at 11.98 percent, while other categories of assets accounted for 3.53 percent.

In the overall structure of liabilities, deposits had the highest share of 76.17 percent, followed by capital and loans at 13.25 percent and 6.32 percent, respectively. Other categories of liabilities accounted for the remaining 4.26 percent.

At the end of January, total bank capital amounted to €1.04 billion, up 1.27 percent from December and 14.98 percent year on year.