The Central Bank of Bosnia and Herzegovina (CBBH) held its Annual Media Meeting today, during which the results of its work and key achievements in 2025 were presented, with an open and constructive dialogue with media representatives.
On this occasion, it was emphasized that the mission of the CBBH – preserving monetary and financial stability through the issuance of domestic currency under a currency board arrangement – remains the foundation of its operations.
The strategic priorities of the CBBH continue to be focused on monetary and financial stability, modernization and digitalization of business processes, human resources management, and international connectivity and social engagement.
The Governor of the Central Bank of Bosnia and Herzegovina, Dr. Jasmina Selimović, emphasized that 2025, despite the pronounced global and geopolitical challenges, was marked by stable and strong results, as well as the further strengthening of the institutional resilience and international position of the CBBH.
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 compared to 2024.
During 2025, a significant increase in the currency board coverage ratio was also recorded, which as of November 30, 2025 amounted to 109.9%.
Monetary gold reserves increased to the highest level since the establishment of the CBBH and amounted to 3.5 tons, while the value of gold on the same date amounted to 799 million KM.
The CBBH’s net profit as of November 30, 2025 amounted to 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 as of November 30, 2025 reached 1.72 billion KM, which is 528 million KM more than in 2024.
As part of the strategic direction of modernization and digitalization, the CBBH continued its activities to improve payment systems, including intensive work on preparations for joining the Single Euro Payments Area (SEPA), as well as further integration of the TIPS solution for instant payments.
Special attention was also paid to the process of withdrawing older issues of banknotes from circulation and the modernization of convertible mark banknotes, while applying modern security and environmental standards.
During 2025, the CBBH significantly intensified its 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 European Central Bank’s OSSAT platform, which further improved banking coordination in the financial system.
In order to modernize internal operations, a digital signature was introduced into the CBBH business processes, an in-house application based on the application of artificial intelligence was developed, and analytics and reporting continued to be improved in accordance with the requirements of the European Union.
Speaking about international cooperation and European integration, Governor Selimović emphasized that the CBBH has 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. Intensification of activities in the process of accession to the European Union was particularly emphasized.
During the year, strong cooperation was also realized with international partners, including IFC (World Bank Group) through projects for the development of digital financial services and strengthening of financial infrastructure, the Swiss SECO technical cooperation program (2025–2028) with a focus on cybersecurity, risk management, human resources and SEPA payment systems, and the International Monetary Fund, within which technical assistance in the area of governance was completed, with new activities planned in the segments of communications, required reserves, cybersecurity and operational risks. Technical assistance continued with the World Bank for the modernization of payment systems and the development of QR codes for instant payments, while cooperation with central banks of the European Union, including the National Bank of Croatia and the Austrian Central Bank, was further improved in the areas of SEPA integration and strengthening the research function.
As it was emphasized, during 2025, the CBBH hosted numerous international conferences and events, including the TAG conference dedicated to the processing and security of banknotes, regional and international meetings in the field of finance, as well as initiatives aimed at improving financial inclusion and gender equality. Particularly noteworthy are the program “Women on Boards in the Financial Sector – BiH”, WE Finance Code – support for women entrepreneurs, as well as the establishment of an analytical dashboard for monitoring relevant indicators.
In the area of financial education, the CBBH worked intensively in 2025 to strengthen 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 implemented 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 also placed on sustainability and ESG principles. The CBBH continued to invest in green bonds, applied a green approach to the production of banknotes and numismatics, modernized IT infrastructure, rationalized printing systems, improved virtual platforms, and ensured ecological disposal of electronic waste. The digitalization of HR processes has further reduced the volume of printed materials, while employees are involved in ESG awareness raising activities, including marking Earth Day through the afforestation of Mount Igman and World Environment Day.
Governor Selimović stated 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.
