The Central Bank of Bosnia and Herzegovina (CBBH) held today the annual meeting with the media, during which the results of work and key achievements in 2025 were presented, along with an open and constructive dialogue with media representatives.
On that occasion, it was emphasized that the mission of the CBBH – preservation of monetary and financial stability through the issuance of domestic currency according to the arrangement of the currency board – remains the basis of its activities.
The strategic priorities of the CBBH are still focused on monetary and financial stability, modernization and digitization of business processes, human resources management, and international connectivity and social engagement.
Governor of the Central Bank of Bosnia and Herzegovina, dr. Jasmina Selimović pointed out that the year 2025, despite pronounced global and geopolitical challenges, was marked by stable and strong results, as well as further strengthening of the CBBH’s institutional resilience and international position.
Speaking about financial indicators, Governor Selimović stated that the foreign exchange reserves of the CBBH as of November 30, 2025 amounted to 18.28 billion KM, which represents an increase of 643 million KM compared to the same period of the previous year. Net foreign assets on the same date amounted to 1.65 billion KM, which is 283 million KM more than in 2024.
During 2025, a significant increase in the coverage ratio of the currency board was recorded, which amounted to 109.9% on November 30, 2025, reports Fena.
Reserves of monetary gold have increased to the highest level since the establishment of the CBBH and amount to 3.5 tons, while the value of gold on the same date was 799 million KM.
The realized net profit of the CBBH as of November 30, 2025 was 289.77 million KM, which exceeded the planned amount for 2025 of 276 million KM. Net interest income amounted to 320 million KM, while the Bank’s capital and reserves reached 1.72 billion KM on November 30, 2025, which is 528 million KM more than in 2024.
As part of the strategic direction of modernization and digitization, the CBBH continued activities on the improvement of payment systems, including intensive work on preparations for joining the Single Euro Payment Area (SEPA), as well as further integration of TIPS solutions for instant payments.
Special attention was paid to the process of withdrawing older banknote issues from circulation and to the modernization of convertible mark notes, with the application of modern safety and environmental standards.
During 2025, the CBBH significantly intensified activities in the field of cyber resilience and security, through cooperation with the European Central Bank within the Cyber Resilience, Cyber Security and Payment Systems Oversight project, participation in the EU IPA project “Cyber Balkans” (2023–2026), and the implementation of a project with the United Kingdom aimed at assessing cyber maturity and strengthening the Bank’s IT function. The CBBH also became a regular member of the OSSAT platform of the European Central Bank, which further improved banking coordination in the financial system.
In order to modernize internal operations, a digital signature was introduced into the business processes of the CBBH, an in-house application based on the application of artificial intelligence was developed, and the improvement of analytics and reporting continued in accordance with the requirements of the European Union.
Speaking about international cooperation and European integration, Governor Selimović pointed out that the CBBH further strengthened its international position, hosting a large number of ambassadors and representatives of international institutions, as well as through active participation and presence at numerous international and domestic conferences, forums and expert meetings. The intensification of activities in the process of accession to the European Union was particularly emphasized.
During the year, strong cooperation was realized with international partners, including the IFC (World Bank Group) through projects to develop digital financial services and strengthen financial infrastructure, the Swiss SECO program of technical cooperation (2025–2028) with a focus on cyber security, risk management, human resources and SEPA payment systems, and the International Monetary Fund, within which technical assistance for the management area was completed, with planned new activities in the segments of communications, mandatory reserves, cyber security and operational risks. Technical assistance for the modernization of payment systems and the development of QR codes for instant payments continued with the World Bank, while cooperation with the central banks of the European Union, including the Croatian National Bank and the Austrian Central Bank, was further improved in the areas of SEPA integration and strengthening of the research function.
As noted, the CBBH hosted numerous international conferences and events during 2025, including the TAG conference dedicated to banknote processing and security, regional and international gatherings in the field of finance, as well as initiatives aimed at improving financial inclusion and gender equality. The “Women on Boards in the Financial Sector – BiH” program, WE Finance Code – support for women entrepreneurs, as well as the establishment of an analytical dashboard for monitoring relevant indicators, were particularly highlighted.
In the field of financial education, during 2025, the CBBH worked intensively on strengthening financial literacy, with a special focus on youth and educational institutions. A large number of educational visits, interactive workshops and lectures were organized, World Savings Day and Global Money Week were marked, and more than 2,300 pupils and students visited the CBBH. Activities were also realized through the work of the Committee for Financial Education and Inclusion of Bosnia and Herzegovina, while strengthening cooperation with the OECD/INFE network.
A special focus in 2025 was placed on sustainability and ESG principles. The CBBH continued investments in green bonds, applied a green approach in the production of banknotes and numismatics, modernized IT infrastructure, rationalized printing systems, improved virtual platforms, and ensured ecological disposal of electronic waste. Digitization of the HR process has further reduced the volume of printed material, while employees are involved in activities to raise ESG awareness, including the celebration of Earth Day through the reforestation of Mount Igman and the International Day of Environmental Protection.
Governor Selimović said that the CBBH remains strongly committed to preserving stability, modernization and the European path of Bosnia and Herzegovina, while continuing open communication and cooperation with the media and the general public.
