According to the Central Bank of BiH, cash loans at the end of last year recorded an increase of 8 percent compared to the year earlier, and a housing growth of 14 percent.
“Cash loans to the population recorded in the end of 2024. years of 662 million KM, at the end of 2024. year, a rise of 382 million KMs, respectively,” Fenni from the Central Bank of BiH.
They note that the total loans that banks placed the population at the end of 2024. amounted to 12.88 billion KM or 49.9 percent of the total loans to all domestic sectors. These loans recorded an increase in an annual basis of 1.10 billion KM or 9.3 percent.
From the Bank further clarify that unintended or cash loans to the population at the end of December 2024. year to the total loans from 71.2 percent and increased by the end of 2023. years in terms of 8.59 billion KM at the end of the previous year.
Furthermore, housing loans participate from KM 3.10 billion or 24 percent in total loans and recorded an increase in the end of December 2024. year compared to the end of 2023. KM 382 million or 14 percent.
The remaining about 5 percent of the loan refers to car loans, loans per card business and loans for entrepreneurship, transmits a fen.
Mild oscillations in the movement of interest rates
According to the latest available data of the Central Bank of Bosnia and Herzegovina for December 2024. years, nominal interest rates for loans to the population in banks in BiH record mild oscillations.
Fixed interest rates on other or cash loans to the population in KM currency, a slight reduction in interest rates, which is most pronounced for loans of maturity over 1 to 5 years, at the end of 2023. at 5,335 percent at the end of 2024. Years.
Interest rates on housing loans in KM currencies recorded a decline in loans with a variable interest rate with 4,982 percent to 4.280 percent, annually. Loans with a fixed interest rate of maturity over 10 years growth with 3.793 percent at the end of 2023. year at 3.918 percent at the end of 2024. Years.
It is similar with interest rates for loans to enterprises that also record mild oscillations.
Thus, increasing interest rates on enterprises up to the amount of EUR 0.25 million, including 4,651 percent in the end of 2024. year, with a variable interest rate of EUR from 4,192 percent in the end of 2023. year at 4,933 percent at the end of the end 2024. Years.
Loans to companies over EUR 1 million, with a fixed interest rate also recorded an increase in interest rates at the annual basis while the decline was recorded in certain categories of loans, with a variable interest rate.
Thus, there is no prenicted tendency of falling interest rates per all categories of loans conclusively with the end of 2024. years, but only by certain categories of loans.
