Bank capital to assets ratio (%) (Financial Soundness) in Montenegro
Montenegro: Bank capital to assets ratio (%) (Financial Soundness) was 9.9% in 2025. ▬ Flat
Bank capital to assets ratio in Montenegro, 2006–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
In 2025, bank capital to assets ratio in Montenegro stood at 9.9%.
That represents a change of up 12.1% on the previous year and up 14.9% over ten years.
Over the whole period, bank capital to assets ratio in Montenegro peaked at 10.1% in 2011 and was at its lowest, 7.0%, in 2007.
That places Montenegro 56th out of 147 countries with data for 2025, putting it in the middle of the range.
Bank capital to assets ratio (%) (Financial Soundness) in Montenegro, year by year
| Year | % | Change |
|---|---|---|
| 2006 | 9.3% | — |
| 2007 | 7.0% | -24.6% |
| 2008 | 8.8% | +25.2% |
| 2009 | 9.6% | +9.4% |
| 2010 | 9.3% | -2.8% |
| 2011 | 10.1% | +7.9% |
| 2012 | 9.0% | -10.3% |
| 2013 | 8.2% | -9.5% |
| 2014 | 8.9% | +8.9% |
| 2015 | 8.6% | -3.0% |
| 2016 | 8.6% | -0.5% |
| 2017 | 8.5% | -0.3% |
| 2018 | 8.4% | -2.3% |
| 2019 | 10.0% | +19.9% |
| 2020 | 9.9% | -1.3% |
| 2021 | 9.2% | -6.9% |
| 2022 | 7.9% | -13.6% |
| 2023 | 8.6% | +7.7% |
| 2024 | 8.8% | +3.1% |
| 2025 | 9.9% | +12.1% |
Montenegro compared with similar countries
- Montenegro's 9.9% is above the median for upper middle income countries, which is 9.7%, 1.0× the median. (48 countries reporting)
- Montenegro's 9.9% is above the median for Europe & Central Asia, which is 8.5%, 1.2× the median. (48 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 8.7% | 7.0% | 9.6% | 4 |
| 2010s | 9.0% | 8.2% | 10.1% | 10 |
| 2020s | 9.1% | 7.9% | 9.9% | 6 |
Countries ranked near Montenegro
More financial sector data for Montenegro
- Reserve position in the IMF, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0022 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 32.64 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 0 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0016 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 23.83 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0022 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 32.64 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 0 % change on previous year (2025)
Frequently asked questions
- What is bank capital to assets ratio in Montenegro?
- Bank capital to assets ratio in Montenegro was 9.9% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank capital to assets ratio recorded in Montenegro?
- The highest recorded value was 10.1% in 2011.
- What is the lowest bank capital to assets ratio recorded in Montenegro?
- The lowest recorded value was 7.0% in 2007.
- How does Montenegro rank for bank capital to assets ratio?
- Montenegro ranks 56th out of 147 countries with data for 2025.
- Is bank capital to assets ratio rising or falling in Montenegro?
- Over the last ten years it is up 14.9%. The long-run trend across the full record is flat.
- Where does this Montenegro data come from?
- The figures come from Financial Soundness Indicators, International Monetary Fund (IMF), published as part of Bank capital to assets ratio (%). Statizoid updates them automatically from the source API.
Download this data
CSV · JSON — 20 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
About this data
The indicator is a measure of capital adequacy that evaluates the financial strength of deposit takers by comparing Tier 1 capital to total assets. Tier 1 capital, often referred to as core capital, includes the most stable and readily available forms of capital, such as common equity, disclosed reserves, retained earnings, and certain other instruments that meet regulatory requirements under the Basel framework. This capital is considered the highest quality because it is fully available to cover losses and does not need to be repaid.