This year, there is a slight effects of interest rates reduction, while in 2026. it is possible to return to the level before the crisis with Ukraine, the RS Banking Agency was announced.
– To reduce the interest rates on loans, interest rates on deposits must be reduced so that this year will be the year of harmonization – they added from the Agency.
From this institution, they note that in banks in BH. Entity Republika Srpska 25 percent of loans with variable interest rate, while 75 percent with fixed.
– If a changed variable nominal interest rate is obliged to notify users in writing or electronic form, the Bank, before the start of the change in the Agency, will stand out in the Agency.
The bank is obliged to state a date from when the modified rate is applied. In addition to the notice, the Bank should provide the user for free and a new repayable plan that must always be available during the contractual relationship.
In the banking agency, they pointed out that the amount of interest rates in banks in the Republika Srpska usually changes twice a year, which always seems in accordance with the agreed alignment with the amount of euribor – six-month and twelve-month.
Deposits for the first two months of this year amount to KM 8.4 billion and the growth of growth of the citizens’ deposits continued.
– Total gross loans for the first two months are KM 6.6 billion, while monets amount to KM 2.9 billion. We can say that the gross balance of assets of the banking sector in late February this year was 11.3 billion KM and in relation to the end of last year is higher by 0.4 percent – they stated in the RS Banking Agency, writes Factor.
