波黑联通社2月6日报道。截至2025年12月底，波黑央行(CBBH)的外汇储备达182.1亿马克，较上年增加 5.727亿马克，增幅3.2%。国内各部门贷款总额达286.9亿马克，较上月增加3.865亿马克，增幅1.4%。 2025年12月，所有部门的贷款均实现增长：其中家庭贷款增加1.112亿马克(+0.8%)，私营企业贷款增加 5140万马克(+0.4%)，政府机构贷款增加1.756亿马克(+12.8%)，非金融类公共企业贷款增加3480万马克 (+4.7%)，其他国内部门贷款增加1360万马克(+3.5%)。贷款总额年增长率为11.1%。 2025年12月，国内各部门存款总额达373.2亿马克，较上月增长5.278亿马克(+1.4%)。其中家庭存款增加 4.733亿马克(+2.5%)，私营企业存款增加2.707亿马克(+3.2%)。同期非金融类公共企业存款减少2420万 马克(-1.2%)，政府机构存款减少1.395亿马克(-2.9%)，其他国内部门存款减少5250万马克(-2.4%)。存款 总额年增长率为10.2%。(驻波黑使馆经商处) ...

Group 1 - The total deposits of recognized institutions in Hong Kong increased by 0.7% month-on-month in November 2025, with Hong Kong dollar deposits rising by 0.2% and foreign currency deposits increasing by 1.1% [1][3] - From the beginning of the year until the end of November, total deposits and Hong Kong dollar deposits rose by 10.5% and 3.4% respectively [1] - The total amount of Renminbi deposits in Hong Kong reached 1,002 billion Renminbi in November, reflecting a month-on-month increase of 0.6% [1] Group 2 - As of November 30, 2025, the total assets of the Hong Kong Monetary Authority's foreign exchange fund amounted to 4,106.9 billion Hong Kong dollars, a decrease of 10.7 billion Hong Kong dollars from the previous month [3] - The decline in foreign currency assets was primarily due to a reduction in the month-end balance of securities purchased but not settled, although this was partially offset by funds from the issuance of digital green bonds and Renminbi bonds, as well as interest income from investments [3] - The decrease in Hong Kong dollar assets was mainly attributed to the revaluation of Hong Kong stocks [3]

Group 1 - The total assets of Hong Kong's foreign exchange fund as of October 31, 2025, amounted to HKD 41,176 billion, a decrease of HKD 346 billion compared to the end of September 2025 [1][3] - The decrease in Hong Kong dollar assets was primarily due to a reduction in the month-end balance of subscribed but unsettled foreign exchange fund notes and bonds, as well as a revaluation of Hong Kong stocks [1] - The increase in foreign currency assets was attributed to a rise in the month-end balance of purchased but unsettled securities and interest income from investments [1] Group 2 - The monetary base in Hong Kong as of the end of October 2025 was HKD 20,267 billion, reflecting an increase of HKD 65 billion or 0.3% from the end of September 2025 [1][3] - The increase in the monetary base was mainly due to a rise in the total amount of liability certificates and the amortization of discounts on issued foreign exchange fund notes and bonds [1] - The total deposits of recognized institutions in Hong Kong decreased by 0.4% in October 2025, with Hong Kong dollar deposits and foreign currency deposits decreasing by 0.9% and 0.1%, respectively, reflecting corporate fund flows [3]

Group 1: Monetary Supply and Deposits - In October, the Hong Kong dollar money supply M2 and M3 both decreased by 0.6%, but increased by 3.5% compared to the same period last year [1] - Seasonally adjusted M1 money supply rose by 1.7% in October, with a year-on-year increase of 12.2%, reflecting investment-related activities [1] - Total money supply M2 and M3 fell by 0.3% in October, while year-on-year, M2 and M3 increased by 10.6% [1] - Total deposits from recognized institutions decreased by 0.4% in October, with Hong Kong dollar deposits and foreign currency deposits falling by 0.9% and 0.1% respectively, mainly reflecting corporate fund flows [1] - From the beginning of the year to the end of October, total deposits and Hong Kong dollar deposits increased by 9.7% and 3.1% respectively [1] - Renminbi deposits in Hong Kong decreased by 0.6% in October, totaling 996.2 billion RMB at the end of the month [1] - Cross-border trade settlement in Renminbi totaled 1,006.6 billion RMB in October, down from 1,123.2 billion RMB in September [1] Group 2: Loans and Advances - Total loans and advances decreased by 0.7% in October, but increased by 0.9% from the beginning of the year to the end of October [2] - Loans used in Hong Kong (including trade financing) and loans used outside Hong Kong fell by 0.9% and 0.2% respectively in October [2] - The loan-to-deposit ratio for Hong Kong dollars remained stable at 73.6% at the end of October, as the decline in Hong Kong dollar loans was similar to that of Hong Kong dollar deposits [2]

Group 1: Monetary Supply - In September, the Hong Kong dollar money supply M2 and M3 both increased by 1.4%, with a year-on-year increase of 4.5% [1] - The seasonally adjusted M1 money supply decreased by 1.4% in September, but showed an 11.5% increase compared to the same month last year, reflecting investment-related activities [1] - The total money supply M2 and M3 rose by 1.3% in September, with both M2 and M3 showing an 11.1% year-on-year increase [1] Group 2: Deposits - The total deposits of recognized institutions increased by 1.3% in September 2025, with Hong Kong dollar deposits and foreign currency deposits rising by 1.4% and 1.3% respectively [1] - From the beginning of the year to the end of September, total deposits and Hong Kong dollar deposits increased by 10.2% and 4.1% respectively [1] - Renminbi deposits in Hong Kong rose by 3.5% in September, reaching 1,001.8 billion yuan by the end of September [1] Group 3: Loans and Advances - The total amount of loans and advances increased by 0.7% in September, with a year-to-date increase of 1.6% [2] - Loans used in Hong Kong (including trade financing) and loans used outside Hong Kong rose by 0.6% and 0.7% respectively in September [2] - The loan-to-deposit ratio for Hong Kong dollars decreased from 74.6% at the end of August to 73.6% at the end of September due to the increase in Hong Kong dollar deposits without significant changes in loans [2]

Group 1 - The total deposits of authorized institutions in Hong Kong increased by 0.2% in July 2025, with HKD deposits decreasing by 2.0% and foreign currency deposits rising by 1.9%, reflecting corporate fund flows [1] - As of the end of July, RMB deposits in Hong Kong rose by 6.4% to 938.2 billion RMB, primarily due to corporate fund flows [1] - The total amount of cross-border trade settlement in RMB for July was 1,244.3 billion RMB, up from 1,223.5 billion RMB in June [1] Group 2 - The total amount of loans and advances decreased by 1.1% in July, but increased by 1.3% year-to-date as of the end of July [1] - The loan-to-deposit ratio for HKD increased from 72.0% at the end of June to 73.1% at the end of July due to a larger decline in HKD deposits compared to HKD loans [1] - The M2 and M3 money supply in HKD both decreased by 1.8% in July, while year-on-year comparisons showed increases of 6.2% [2] Group 3 - Seasonally adjusted M1 money supply in HKD fell by 2.3% in July, but increased by 18.5% compared to the same month last year, reflecting investment-related activities [2] - The total money supply (M2 and M3) increased by 0.1% in July, with year-on-year increases of 10.8% for both M2 and M3 [2] - Monthly monetary statistics may be influenced by various short-term factors, such as seasonal funding demands and business-related activities, necessitating careful interpretation of the data [2]

Group 1 - The total deposits of recognized institutions in Hong Kong increased by 0.9% in June 2025, with HKD deposits decreasing by 0.9% and foreign currency deposits rising by 2.4%, reflecting corporate fund flows [1] - In the first half of 2025, total deposits and HKD deposits increased by 7.6% and 7.0% respectively, while RMB deposits fell by 9.6% to 882.1 billion RMB by the end of June [1] - Cross-border trade settlement in RMB totaled 1,223.5 billion RMB in June, up from 1,123.6 billion RMB in May [1] Group 2 - The total amount of loans and advances increased by 1.1% in June 2025, with a 2.5% increase in the first half of the year [1] - Loans used in Hong Kong (including trade finance) and loans used outside Hong Kong rose by 0.9% and 1.8% respectively in June [1] - The loan-to-deposit ratio for HKD increased from 70.5% at the end of May to 72.0% at the end of June due to a decrease in HKD deposits [1] Group 3 - In June, the HKD money supply M2 and M3 both decreased by 0.8%, but increased by 8.4% compared to the same period last year [2] - Seasonally adjusted HKD money supply M1 rose by 4.4% in June, reflecting a 23.7% increase year-on-year, partly due to investment-related activities [2] - The total money supply M2 and M3 both increased by 0.8% in June, with year-on-year increases of 11.5% for both M2 and M3 [2]

Core Insights - The Hong Kong banking system remains robust with ample capital and liquidity as of Q1 2025 [1][2] - Retail banking operating profit before tax increased by 15.8% year-on-year, driven by growth in foreign exchange and derivative income, as well as fees and commissions [1] - The net interest margin for retail banking narrowed to 1.51% from 1.53% in the same period last year [1] Loan and Deposit Trends - Total loans in the Hong Kong banking sector increased by 0.6% year-on-year, with loans used in Hong Kong and outside Hong Kong rising by 0.8% and 1.1% respectively [1] - Trade financing saw a decline of 4.7% year-on-year [1] - Total deposits increased by 3.5% year-on-year, with Hong Kong dollar deposits and US dollar deposits rising by 5.1% and 1.7% respectively [1] Asset Quality and Liquidity - The specific classified loan ratio in the Hong Kong banking system slightly increased from 1.96% at the end of Q4 2024 to 1.98% at the end of Q1 2025 [2] - The average liquidity coverage ratio for Class 1 institutions was 182.5%, significantly above the 100% regulatory minimum [2] - The total capital ratio for locally registered authorized institutions was 24.2% as of March 2025, well above the 8% international minimum requirement [2]