At the end of September 2026, the Central Bank of Bosnia and Herzegovina’s foreign exchange reserves totaled 19.9 billion BAM, up 1.98 billion BAM (11.1 percent) year over year.
Total loans to domestic sectors at the end of September 2026 amounted to 31.93 billion BAM; compared with the first month, loans increased by 499.7 million BAM (1.6 percent), according to Central Bank of BiH data.
Loan growth was registered in the household sector by 156.3 million BAM (1.0 percent), government institutions by 16.5 million BAM (0.8 percent), non-financial public enterprises by 57.1 million BAM (6.4 percent), non-financial private enterprises by 249.3 million BAM (2.0 percent), and other domestic sectors by 20.6 million BAM (4.6 percent).
The annual growth rate of total loans in September 2026 was 14.9 percent, nominally amounting to 4.13 billion BAM.
The annual loan growth was registered in the household sector by 1.75 billion BAM (12.5 percent), private enterprises by 1.3 million BAM (11.5 percent), government institutions by 781.9 million BAM (60.4 percent), non-financial public enterprises by 217.6 million BAM (30.0 percent), and other domestic sectors by 78.5 million BAM (20.3 percent).
Deposits
Total deposits of domestic sectors at the end of September 2026 amounted to 41.05 billion BAM; compared to the previous month, the deposits increased by 145.6 million BAM (0.4 percent).
The increase in deposits on a monthly level was registered in the household sector by 208.2 million BAM (1.0 percent), private enterprises by 71.2 million BAM (0.8 percent), and non-financial public enterprises by 22.5 million BAM (1.0 percent). In the same period, deposits in the government institutions decreased by 192.2 million BAM (3.2 percent).
In the structure of household deposits, the largest share relates to transaction accounts at 51.4 percent, while sight deposits account for 19.3 percent, and time deposits make up 29.3 percent of total household deposits.
The annual growth rate of total deposits in September 2026 amounted to 13.3 percent, which in absolute terms amounts to 4.82 billion BAM.
