Financial Sector in Montenegro 271 indicators covering financial sector for Montenegro. IndicatorLatest Year10-yr change Rank Stocks traded, total value 1.1% 2012 down 89.0% 67th Reserve assets, Special Drawing Rights (SDRs) (Assets, Positions, US) 4.61 % change on previous year 2025 down 30.8% 79th Reserve assets, Reserve position in the IMF 20.34 million US dollar 2025 up 1.9% 94th External loans and deposits of reporting banks vis-à-vis the 7.2% 2021 up 148.9% 105th Automated teller machines (ATMs) 88.69 per 100,000 adults 2024 up 25.4% 24th External loans and deposits of reporting banks vis-à-vis all sectors 28.4% 2021 up 266.8% 79th External loans and deposits of reporting banks vis-à-vis the banking 21.2% 2021 up 337.9% 56th Reserve assets, Reserve position in the IMF, Adjusted using IMF 5.01 % change on previous year 2025 down 15.6% 61st Reserve assets (Assets, Positions, US dollar), per square kilometre 117,071 US dollar per square kilometre 2023 up 98.5% 76th Reserve assets, Assets, Adjusted using IMF accounting records 263.93 million 2024 up 63.8% 77th Net errors and omissions, Net (credits less debits), Adjusted using 206.55 million 2024 down 12.4% 61st Primary income balance (credit less debit), Net (credits less debits) -23.28 million 2024 down 139.1% 58th Secondary income balance (credit less debit), Net (credits less) 466.20 million 2024 up 66.6% 89th Services balance (credit less debit), Net (credits less debits) 1.72 billion 2024 up 87.8% 61st Total current account credit/revenue, Credit/Revenue 4.77 billion 2024 up 89.5% 146th Current account balance (credit less debit), Net (credits less debits) -1.40 billion 2024 down 146.2% 139th Goods balance (credit less debit), Net (credits less debits) -3.57 billion 2024 down 95.4% 138th Goods, Credit/Revenue 713.74 million 2024 up 50.8% 159th Primary income, Credit/Revenue 518.15 million 2024 up 72.6% 114th Services, Credit/Revenue 2.92 billion 2024 up 112.9% 109th Other investment, Net acquisition of financial assets, Assets -629.46 million 2024 down 997.0% 173rd Secondary income, Credit/Revenue 618.67 million 2024 up 66.2% 136th Reserve assets, Monetary gold 0 US dollar 2025 — 118th Total assets, Adjusted using IMF accounting records (Assets) 423,593 US dollar per square kilometre 2023 up 129.9% 86th Capital account balance (credit less debit), Net (credits less debits) -580,538 2024 down 6,447.2% 149th Total capital account credit/revenue, Credit/Revenue 0 2024 — 176th Reserve assets, Currency and deposits 630.36 million US dollar 2025 up 65.8% 97th Portfolio investment, Net acquisition of financial assets, Assets 322.63 million 2024 up 270.1% 82nd Direct investment, Net acquisition of financial assets, Assets 67.78 million 2024 up 143.1% 93rd Other investment, Loans, Deposit taking corporations, except the 199.99 million US dollar 2025 up 116.6% 84th International investment position, Assets, Adjusted using IMF 6.06 billion 2024 up 144.3% 128th Reserve assets, Adjusted using IMF accounting records (Assets) 116,996 US dollar per square kilometre 2023 up 98.3% 76th Reserve assets, Other reserve (currency, deposits, securities) 108,390 US dollar per square kilometre 2023 up 94.5% 67th Reserve assets, Special Drawing Rights (SDRs), Adjusted using IMF 7,124 US dollar per square kilometre 2023 up 293.8% 71st Deposit money bank assets to deposit money bank assets and central 98.5% 2021 down 1.3% 42nd Other investment, Currency and deposits, Deposit taking corporations 65,910 US dollar per square kilometre 2023 up 113.9% 61st Inward Direct investment, Assets (gross), All financial instruments 3.92 million 2024 up 80.8% 139th Outward Direct investment, Assets (gross), All financial instruments 28.37 million 2024 up 1,786.5% 119th Reserve assets, Special Drawing Rights (SDRs) (Assets, Positions, US) 7,196 US dollar per square kilometre 2023 up 301.9% 69th Claims on other sectors of the domestic economy 12.9% 2024 up 1,130.0% 27th Loans from nonresident banks (amounts outstanding) to GDP 34.1% 2021 up 215.1% 39th Other investment, Other accounts receivable, Deposit taking 22,325 US dollar 2025 up 92.5% 111th Bank concentration 83.2% 2021 up 35.4% 53rd Bank Z-score 8.93 2021 up 21.8% 132nd Liquid assets to deposits and short term funding 36.7% 2021 up 26.7% 84th Portfolio investment, Equity and investment fund shares, Deposit 1.42 million US dollar 2025 down 82.5% 102nd Bank noninterest income to total income 22.6% 2021 down 30.4% 155th Bank cost to income ratio 79.3% 2021 up 29.2% 8th Bank return on assets 0.5% 2021 up 430.6% 151st Bank return on assets 0.5% 2021 up 282.9% 148th Bank return on equity 4.2% 2021 up 371.9% 158th Bank return on equity 3.5% 2021 up 250.4% 156th Bank overhead costs to total assets 3.1% 2021 down 18.9% 52nd Other investment, Loans, Deposit taking corporations, except the 189.58 million US dollar 2025 up 206.4% 63rd Other investment, Loans, Deposit taking corporations, except the 10.42 million US dollar 2025 down 65.8% 89th Bank net interest margin 3.7% 2021 down 21.8% 61st Bank nonperforming loans to total gross loans 3.0% 2025 down 79.1% 78th Rate 0 2024 — 102nd International migrant stock, total 92,237 2024 up 28.6% 137th International migrant stock 14.4% 2024 up 26.3% 61st ← Previous Page 4 of 5 Next →