Banks in Macau posted operating earnings of nearly MOP7.34 billion in 2025, a 93% year-on-year jump from MOP3.8 billion recorded in 2024, according to the Monetary Authority of Macao’s (AMCM).
The bureau’s data, which excludes external branches, shows interest margins rose to MOP17.52 billion from MOP16.16 billion.
Other incomes grew 20.65% to MOP11.28 billion, and operating costs fell to MOP21.46 billion in December 2025 from MOP21.7 billion the previous year.
Non-performing loan ratios improved to 4.9% in December from 5.5% in November. Notably, the ratio peaked at 5.7% in May, the highest since 2004.
Residents’ rate dropped to 4.2% from 4.6%; non-residents to 5.6% from 6.4%. Total non-performing credit reached MOP49.655 billion by year-end, while balance sheets showed MOP2.588 trillion in assets.
Domestic credit totaled MOP754.68 billion, fueled by private-sector loans amounting to MOP491.57 billion.
Reserves increased to MOP36.85 billion. Foreign assets rose to MOP1.7 trillion, with external loans at MOP523.69 billion; these figures exclude non-monetary gold and silver.
Private-sector financial applications stood at MOP11.99 billion, and public-sector lending remained at zero.
AMCM notes that total reserves include foreign notes and coins under foreign assets. External loans cover loans, advances, bank acceptances, and trade bills discounted only.NS
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