Banks in Bosnia forecast robust increase in loan demand for end of 2025

The CBBH's survey on bank lending activity confirmed that corporate demand for loans continued its upward trajectory throughout the third quarter of 2025. Similarly, household demand saw sustained growth across all categories, including housing, consumer, and non-purpose loans. Notably, the increase in demand for housing loans was more pronounced when compared to consumer and non-purpose lending.

Looking ahead to the fourth quarter of 2025, banks in BiH anticipate a rise in loan demand from both sectors. Banks foresee an increased corporate demand for both short-term and long-term loans and/or credit lines. Despite this expected surge in activity, the net results from the collected responses indicate that credit standards for approving loans to companies will hold steady (remain unchanged) in Q4 2025. The results signal a positive shift for consumers, as banks expect credit standards for approving household loans will be eased in the fourth quarter of 2025. Banks have an optimistic outlook for consumer and non-purpose loans, projecting a rise in demand. However, demand for housing loans is forecast to remain flat.

The latest survey cycle saw participation from eight banks, achieving a perfect 100 percent response rate.