The foreign exchange reserves of the Central Bank of BiH at the end of September 2025 amounted to 17.92 billion BAM and increased by 1.06 billion BAM or 6.3 percent annually.
Total loans to domestic sectors at the end of September 2025 amounted to 27.79 billion BAM, an increase of 348.3 million BAM (1.3 percent) in loans compared to the previous month.
Credit growth was registered in the household sector by 134.2 million BAM (1.0 percent), in private enterprises by 200.2 million BAM (1.8 percent) and in other domestic sectors by 20.5 million BAM (5.6 percent). A decrease in monthly credit growth was recorded in government institutions by 1.6 million BAM (0.1 percent) and in non-financial public enterprises by 5 million BAM (0.7 percent), according to the CBBH commentary on monetary developments for September 2025.
The annual growth rate of total loans in September 2025 was 10.2 percent, nominally 2.58 billion BAM.
Annual credit growth was registered in the household sector by 1.42 billion BAM (11.2 percent), in private enterprises by 820.3 million BAM (7.8 percent), in government institutions by 80.1 million BAM (6.6 percent), in non-financial public enterprises by 153.5 million BAM (26.9 percent) and in other domestic sectors by 107.4 million BAM (38.3 percent).
Total deposits of domestic sectors at the end of September 2025 amounted to 36.23 billion BAM, compared to the previous month, deposits increased by 189.2 million BAM (0.5 percent).
The increase in deposits at the monthly level was registered in the household sector by 116.1 million BAM (0.6 percent), in private enterprises by 211.9 million BAM (2.6 percent), in non-financial public enterprises by 43.2 million BAM (2.3 percent) and in other domestic sectors by 5.9 million BAM (0.3 percent). A decrease of 187.8 million BAM (3.7 percent) was recorded in deposits of government institutions.
In the structure of retail deposits, the largest share refers to transaction accounts (49.7 percent), which increased by 0.5 percent, demand deposits (20.4 percent) increased by 0.6 percent, while term deposits (29.9 percent) increased by 0.9 percent compared to the previous month.
The annual growth rate of total deposits in September 2025 was 10.3 percent, which is 3.39 billion BAM in absolute terms.
The annual growth of deposits was registered in the retail sector by 1.95 billion BAM (11.5 percent), in whose structure transaction accounts increased by 17.3 percent, demand deposits by 6.1 percent and term deposits by 6.5 percent. Growth in deposits was also recorded in private enterprises by 764 million BAM (9.9 percent), in government institutions by 624.8 million BAM (14.8 percent) and in other domestic sectors by 71.4 million BAM (3.6 percent).
Deposits decreased in non-financial public enterprises by 11.9 million BAM (0.6 percent) on an annual basis.
