Loans to the population in Bosnia and Herzegovina increased by as much as 1.58 billion BAM in one year, according to data from the Central Bank of Bosnia and Herzegovina.
As stated, total loans to domestic sectors at the end of December 2025 amounted to 28.69 billion BAM. Compared to the previous month, an increase of 386.5 million BAM, or 1.4 percent, was recorded.
It is evident from the data that loans to households make up more than half of total loans and amount to 14.45 billion BAM.
At the end of December, total loans to private companies amounted to 11.51 billion BAM, to government institutions 1.54 billion BAM, to public companies 770.7 million BAM, while loans to other domestic sectors amounted to 403.7 million BAM.
“Credit growth was registered in all sectors: the population by 111.2 million BAM or 0.8 percent, private companies by 51.4 million BAM or 0.4 percent, government institutions by 175.6 million BAM or 12.8 percent, non-financial public companies by 34.8 million BAM or 4.7 percent and other domestic sectors by 13.6 million BAM or 3.5 percent,” according to the data of the Central Bank of BiH.
The annual growth rate of total loans in December 2025 was 11.1 percent, or nominally 2.86 billion BAM.
“Annual credit growth was registered in the household sector by 1.58 billion BAM or 12.2 percent, in private companies by 864.3 million BAM or 8.1 percent, in government institutions by 256.3 million BAM or 19.8 percent, in non-financial public companies by 74 million BAM or 10.6 percent and in other domestic sectors by 95.3 million BAM or 30.9 percent,” according to the data of the Central Bank of BiH.
The total money supply at the end of December last year was 42.92 billion BAM, which is an increase of 901.1 million BAM, or 2.1 percent, compared to the previous month.
“On an annual level, the increase in the money supply in December 2025 amounted to 3.78 billion BAM or 9.7 percent. Growth was achieved in cash outside banks by 583.2 million BAM or 8.5 percent, in transferable deposits in local currency by 2.16 billion BAM or 12.6 percent, in transferable deposits in foreign currency by 279.1 million BAM or 6.8 percent and in other deposits in local currency by 787.6 million BAM or 24.8 percent. Other deposits in foreign currency are lower by 29.4 million BAM or 0.4 percent compared to the same period of the previous year,” announced the CBBH.
