“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 in 2024. years in total loans from 71.2 percent, compared to the end of 2023. years in terms of 8.59 billion KM at the end of the previous year.
Furthermore, housing loans participate with HM 3.10 billion or 24 percent in total loans and recorded an increase in the end of December 2024. Compared to the end of 2023. years of 382 million KM or 14 percent.
The remaining about 5 percent of the loan refers to car loans, loans per card business and entrepreneurship loans.
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 households in BiH 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 companies to enterprises up to the amount of EUR 0.25 million, at the end of 2023. year, with a variable interest rate, in the amount of 2023. year at 4,933 percent at the end of 2024. Years.
Loans by companies over € 1 million, with a fixed interest rate also recorded an increase in interest rates on an 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.
(Vijesti.ba / Fena)
