Core Insights - The Central Bank of Bosnia and Herzegovina (CBBH) reported that foreign exchange reserves reached 18.21 billion marks by the end of December 2025, an increase of 572.7 million marks, representing a growth of 3.2% [1] Group 1: Loans - Total loans across domestic sectors amounted to 28.69 billion marks, increasing by 386.5 million marks, with a growth rate of 1.4% [1] - Household loans increased by 111.2 million marks (+0.8%) [1] - Private sector loans rose by 51.4 million marks (+0.4%) [1] - Government agency loans surged by 175.6 million marks (+12.8%) [1] - Non-financial public enterprise loans grew by 34.8 million marks (+4.7%) [1] - Other domestic sector loans increased by 13.6 million marks (+3.5%) [1] - The annual growth rate of total loans was 11.1% [1] Group 2: Deposits - Total deposits in domestic sectors reached 37.32 billion marks, with an increase of 527.8 million marks (+1.4%) [1] - Household deposits rose by 473.3 million marks (+2.5%) [1] - Private sector deposits increased by 27.07 million marks (+3.2%) [1] - Non-financial public enterprise deposits decreased by 24.2 million marks (-1.2%) [1] - Government agency deposits fell by 139.5 million marks (-2.9%) [1] - Other domestic sector deposits declined by 52.5 million marks (-2.4%) [1] - The annual growth rate of total deposits was 10.2% [1]

Core Insights - Bosnia and Herzegovina's foreign exchange reserves reached 18.28 billion marks as of November 2025, remaining stable month-on-month and increasing by 1.08 billion marks year-on-year, reflecting a growth rate of 6.3% [1] Group 1: Foreign Exchange Reserves - The total foreign exchange reserves stood at 18.28 billion marks as of November 2025, unchanged from the previous month [1] - Year-on-year, the reserves increased by 1.08 billion marks, marking a growth of 6.3% [1] Group 2: Domestic Loans - The total amount of loans across domestic sectors reached 28.3 billion marks, with a month-on-month increase of 284.5 million marks [1] - The breakdown of monthly loan growth includes: - Household loans increased by 10.15 million marks (0.7%) - Private sector loans rose by 16.7 million marks (1.5%) - Government loans grew by 2 million marks (1.5%) - Other domestic sectors increased by 2.3 million marks (0.6%) - Non-financial public enterprise loans decreased by 6.3 million marks (0.8%) [1] Group 3: Year-on-Year Loan Growth - The total loan amount saw a year-on-year increase of 10.7%, with a net addition of 2.73 billion marks [1] - Yearly increases in specific sectors include: - Household loans rose by 1.51 billion marks (11.8%) - Private sector loans increased by 871 million marks (8.2%) - Government loans grew by 90.3 million marks (7%) - Non-financial public enterprise loans surged by 16.16 million marks (28.1%) - Other domestic sectors saw an increase of 95 million marks (32.2%) [1]

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]