Bank deposits in the Democratic Republic of the Congo are heavily concentrated in Kinshasa, which accounted for 65.2 percent of total deposits, the Central Bank of Congo said in a note covering Feb. 13–20, 2026. The note was reviewed by ACTUALITE.CD.
As of Dec. 31, 2025, deposits totaled $16.24 billion, up 3.4 percent from the previous month and 10.2 percent year over year, driven mainly by higher dollar-denominated deposits from households and private firms. After Kinshasa, the largest provincial shares were in Haut-Katanga (22.9 percent), Lualaba (4.0 percent) and North Kivu (2.7 percent).
Households held 35.8 percent of deposits and private businesses 31.8 percent. By sector, funds came largely from activities outside the public administration (39.2 percent), commerce (21.7 percent) and the extractive industry (14.5 percent).
Gross bank lending reached $10.27 billion at year-end, up 2.5 percent month over month and 20.2 percent from a year earlier, supported by increased lending to small and medium-size enterprises and to central government administrations. Foreign-currency loans rose 2.5 percent, while local-currency lending fell 1.7 percent.
The central bank noted the formal financial system comprises 287 institutions — including 108 credit institutions, 137 financial companies and 39 insurance firms — alongside two social security funds and a guarantee fund. The banking sector, with 14 operating banks and 445 service points (371 branches and 74 satellite counters), holds about 97 percent of the financial system’s assets. The microfinance sector includes 101 institutions (78 savings-and-credit cooperatives, 15 microfinance companies and 8 microcredit firms) operating 186 outlets and representing roughly 3 percent of assets; nearly 70 percent of those institutions are located in Kinshasa, North Kivu and South Kivu.
M&B