In 2025, total assets of credit institutions increased by 8.3% from the end of 2024 and stood at EUR 91.1bn. Most credit institutions’ assets increased. The number of credit institutions remained unchanged at 20 credit institutions.
Total loans and advances grew from the end of 2024 by EUR 0.7bn or 1.1%. Highly liquid assets (assets with the central bank and other demand deposits) declined, while lending to households and non-financial corporations continued its upward path. Non-performing loans and advances (hereinafter referred to as ‘NPLs’) declined by 2.9%, influenced by the decrease in the in the portfolio of loans to non-financial corporations, with a slight increase in the portfolio of loans to households.
The share of NPLs in total loans and advances at the end of 2025 edged down from the end of 2024, to 2.3%. The quality of loans to the two most important sectors continued to improve: the share of NPLs of non-financial corporations went down from 4.5% to 3.7% and of households from 3.7% to 3.3% due to a faster growth of these loans relative to NPLs growth.
Credit institutions’ operations in 2025 generated EUR 1.4bn in profit, down by 6.1% from the end of 2024. Profitability indicators declined from the end of 2024: return on assets (ROA) decreased from 1.9% to 1.6%, while return on equity (ROE) went down from 16.3% to 14.6%.
The key indicators of banking system capitalisation remained high, with the total capital ratio decreasing from 24.0% to 22.7%. All credit institutions had total capital ratios in excess of the prescribed minimum of 8%.
Banking system liquidity measured by the liquidity coverage ratio (LCR) was high. At the end of 2025, all credit institutions met the prescribed minimum liquidity requirement of 100%, with the average LCR standing at 213.0%.