Bosnia’s Central Bank reports stable growth and record profits for 2025

Financial indicators for 2025 show significant growth in key areas. Net foreign assets reached 1.65 billion Bosnian marks (approx. €843.6 million), marking an increase of 293.6 million marks (approx. €150.1 million) compared to the end of 2024. Total net foreign exchange reserves reached 18.21 billion marks (approx. €9.31 billion) by year-end, representing an increase of 573 million marks (approx. €292.9 million) over the previous year. This ensures full coverage of monetary liabilities, with a coverage ratio standing at 110 percent.

Through responsible management of foreign exchange reserves, the CBBH achieved a net profit of 307,367,399.84 marks (approx. €157,155,422.37) in 2025. This sustainable return was coupled with a 10 percent required reserve ratio and an increase in cash in circulation, partially fueled by the tourism sector. The Bank also progressed in modernizing payment systems, specifically focusing on the TIPS Clone instant payment system and steps toward SEPA area accession.

In addition to its role as a fiscal agent and its success in servicing external debt, the CBBH prioritized risk management, including climate, operational, and banking sector stress-testing. The institution also enhanced its commitment to social responsibility through initiatives in financial education, inclusion, and gender equality. The adoption of this report underscores the Bank's professional credibility as it remains committed to preserving monetary stability and supporting national economic development.