The central bank states that in March 2025, the solvency ratio of the national banking sector stood at 26.5%, well above the regulatory minimum of 12.0%. The Bank of Mozambique affirms that the country’s banking sector “remains solid, capitalized, and resilient,” although systemic risk—risk of disturbances within the system—is moderate.
In its Economic Outlook and Inflation Prospects report dated June 3, the central bank notes that in March 2025, the solvency ratio of the national banking sector was 26.5%, above the regulatory minimum of 12.0%, while the liquidity ratio stood at 59.5%, also above the regulatory minimum of 25.0%.
“The macroprudential solvency stress test, which simulates shocks to assess the banking sector’s resilience, showed that this sector has sufficient capital reserves to absorb potential losses and remain solid and capitalized in the medium term,” the report observes.
The Bank of Mozambique adds that systemic risk, “which assesses the potential contagion effect arising from disturbances in the banking system, is moderate,” an assessment that “reflects the reduction of interest rates and the level of non-performing loans in the market, despite the increase in the banking sector’s exposure to public debt.”
In this regard, the central bank warns that domestic public debt, excluding loan and leasing contracts and overdue liabilities, rose to 445.9 billion meticais (€6.103 billion), “which represents an increase of 30.3 billion meticais (€414.7 million) compared to December 2024.”
Central bank data, according to Lusa, indicate that there are 15 commercial banks and 12 microfinance banks operating in Mozambique, in addition to credit cooperatives and savings and credit organizations, among others.
Source: Forbes África Lusófona
