Bosnia and Herzegovina: Lending interest rate

* indicates monthly or quarterly data series
 Bosnia and Herzegovina

Interest rates on bank credit to the private sector

 Latest value 4.11
 Year 2023
 Measure percent
 Data availability 2002 - 2023
 Average 6.64
 Min - Max 3.07 - 12.70
 Source The World Bank
The latest value from 2023 is 4.11 percent, an increase from 3.36 percent in 2022. In comparison, the world average is 14.19 percent, based on data from 83 countries. Historically, the average for Bosnia and Herzegovina from 2002 to 2023 is 6.64 percent. The minimum value, 3.07 percent, was reached in 2020 while the maximum of 12.7 percent was recorded in 2002. See the global rankings for that indicator or use the country comparator to compare trends over time.
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* indicates monthly or quarterly data series


Recent data
Bosnia and Herzegovina - Lending interest rate - Recent values chart

Historical series
Bosnia and Herzegovina - Lending interest rate - historical chart - 2002-2023




The lending interest rate in Bosnia and Herzegovina shown below is the interest rate on credits from banks to prime borrowers, i.e. to the lowest risk borrowers in the private sector. That includes firms and households.
Definition: Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.

Selected articles from our guide:

What factors determine the exchange rates

International lending and sovereign debt

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 Related indicators Latest Reference Measure
 Lending-deposit interest rate spread 2.28 2020 interest rate points
 Bank cost to income ratio 62.80 2021 percent
 Non-performing loans 4.54 2022 percent
 Bank overhead cost 2.49 2021 percent
 Net interest margin 3.27 2021 percent
 Bank credit to deposits 75.15 2021 percent
 Regulatory capital to risk-weighted assets 19.18 2020 percent
 Return on assets 1.18 2021 percent
 Return on equity 10.30 2021 percent
 Banking system z-scores 15.29 2021 index points
 Liquid assets to deposits 40.82 2021 percent
 Banking system capital to assets 12.52 2020 percent
 Non-interest income to total income 41.71 2021 percent
 Lending interest rate 4.11 2023 percent
 Real interest rate -1.34 2023 percent
 Legal rights 7.00 2019 points
 Credit information sharing 6.00 2019 points
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