Bank capital to assets ratio in Montenegro
Montenegro: Bank capital to assets ratio 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 146 countries with data for 2025, putting it in the middle of the range.
Bank capital to assets ratio 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% |
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
- Reserves excluding gold, foreign exchange (SDR), annual growth rate 21.48 % change on previous year (2025)
- Reserves excluding gold, foreign exchange (SDR), per unit of GDP 0.1646 SDR per US$ of GDP (2025)
- Reserves excluding gold, foreign exchange (SDR), per capita 2,439 SDR per person (2025)
- Reserves excluding gold (SDR), annual growth rate 20.1 % change on previous year (2025)
- Reserves excluding gold (SDR), per capita 2,574 SDR per person (2025)
- Total reserves (gold at market value) (SDR), annual growth rate 20.1 % change on previous year (2025)
- Total reserves (gold at market value) (SDR), per capita 2,574 SDR per person (2025)
- Total reserves (gold at national valuation) (SDR), annual growth rate 20.1 % change on previous year (2025)
- Total reserves (gold at national valuation) (SDR), per capita 2,574 SDR per person (2025)
- Total reserves in months of imports, annual growth rate 13.67 % 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 146 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.
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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.