Bank Lending Survey BH Q4 2025
Summary
The Central Bank of Bosnia and Herzegovina published its Q4 2025 Bank Lending Survey covering corporate loans and household loans. The survey gathered responses from the eight largest banks in Bosnia and Herzegovina with a 100% response rate. Results showed that credit standards for short-term and long-term corporate loans remained unchanged in Q4 2025 compared to the previous quarter, with a net percentage of 0%. The terms and conditions for approving corporate loans also remained unchanged. The survey contains 16 standard questions on realized and expected changes in loan supply and demand across three loan categories.
“The Survey results show there were no changes of credit standards for short-term or long-term corporate loans in the fourth quarter of 2025 compared to the previous quarter.”
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GovPing monitors CBBH Bosnia News for new banking & finance regulatory changes. Every update since tracking began is archived, classified, and available as free RSS or email alerts — 2 changes logged to date.
What changed
The survey reports that credit standards for corporate loans showed no change in Q4 2025, with a net percentage of 0% for both short-term and long-term loans. The net percentage measures the difference between banks reporting easing versus tightening of credit standards. Terms and conditions for approving corporate loans also remained unchanged from the previous quarter.
Affected parties — banks operating in Bosnia and Herzegovina and borrowers seeking corporate credit — can reference this survey to understand current lending conditions. The survey provides qualitative indicators of credit market trends using a five-point scale ranging from significant tightening to substantial easing. This is an informational publication and does not impose new regulatory obligations on surveyed institutions.
Archived snapshot
Apr 23, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
Bank Lending Survey for BH
(Report for the fourth quarter of 2025)
Contents
Introduction ........................................................................................................................................................... 3
- General information ...................................................................................................................................... 3
- Corporates loans ............................................................................................................................................ 4
2.1 Supply ........................................................................................................................................................ 4
2.1.1 Credit standards for corporates loans ................................................................................................. 4
2.1.2 Terms and conditions of approving the corporate loans .................................................................... 5
2.1.3 Share of rejected applications for corporates loans ............................................................................ 6
2.2 Demand for corporate loans and/or credit lines ....................................................................................... 6
- Loans to households ....................................................................................................................................... 7
3.1 Supply ........................................................................................................................................................ 7
3.1.1 Credit standards for loans to households ........................................................................................... 7
3.1.2 Terms and conditions of approving loans to households ................................................................... 9
3.1.3 Share of rejected applications for loans to households ...................................................................... 9
3.2 Demand on loans to households ............................................................................................................. 10
APPENDIX .......................................................................................................................................................... 11
Introduction The results of the Bank Lending Survey refer to changes in the fourth quarter of 2025 and expectations for the first quarter of 2026. A representative sample of banks consists of the eight largest banks in Bosnia and Herzegovina. The total of eight banks were surveyed in this round, and the response rate was 100%.
General information
The Survey questionnaire contains 16 standard questions about realized and expected changes on the supply and demand of loans: 12 questions refer to realized changes and 4 questions to future changes. The questions cover three categories of loans: loans or credit lines to corporates, housing loans to households, and consumer and non- purpose loans to households. For all the three categories, questions are asked about the credit standards that apply to loan approval, then about changes in loan approval terms, demand for loans, factors affecting the supply and demand for loans, as well as the percentage of rejected loan applications. Survey questions are generally formulated in terms of changes in the last three months and the expected changes in the next three months. Survey participants are asked to qualitatively indicate the degree of tightening or easing (for standards and terms) or the degree of reduction or increase (for demand), using the following five-point scale to report changes: (1) significant tightening /decrease, (2) moderate tightening/decrease, (3) basically no change, (4) moderate easing/increase or (5) substantial easing/increase. The individual answers of the banks participating in the Survey were compiled and processed in order to provide a picture of the entire banking sector in Bosnia and Herzegovina. The results of the Survey are presented in the form of a net percentage. The net percentage for the answers to questions about credit standards is defined as the difference between the sum of the shares of banks that answered that credit standards have been "substantially relaxed" and "moderately relaxed" and the sum of the shares of banks that answered that they have been "significantly tightened" and "moderately tightened". A negative value of the net percentage indicates that the majority of banks have tightened credit standards ("net tightening"), while a positive value of the net percentage indicates that a majority of banks have relaxed credit standards ("net easing"). Likewise, the term "net demand" refers to the difference between the percentage of banks that answered that there was an increase in demand and the percentage of banks that answered that there was a decrease in demand for loans. Net demand will therefore be positive if a larger share of banks reported an increase in loan demand, while a negative net demand indicates that a larger share of banks reported a decline in loan demand. In addition to the "net percentage" indicator, the CBBH also publishes the "diffusion index" as an alternative measure of banks' responses to the questions related to changes in credit standards and net demand. The diffusion index is constructed as follows: if the respondent answers "significantly", the answers are assigned a numerical value of 1, which is twice the value assigned to the answers "to a certain degree" (score 0.5). The interpretation of the diffusion index follows the same logic as the interpretation of the net percentage.Corporates loans
2.1 Supply
2.1.1 Credit standards for corporates loans
On the basis of the results of the conducted Bank Lending Survey, trends of credit standards for corporate loans in the fourth quarter of 2025 were analysed. The Survey results show there were no changes of credit standards for short-term or long-term corporate loans in the fourth quarter of 2025 compared to the previous quarter. The net percentage of answers was 0% which indicates that banks did not change the terms and conditions for loans to this segment of clients (see Appendix, question 1).
- The net percentage does not measure the intensity of the change. A lower (higher) value of the net percentage shows that a larger number of banks tightened (eased) credit standards compared to the previous quarter. In all Graphs, the comparison is made in relation to the previous quarter.
The graph below shows the net percentage of contributions of factors which impacted a change of credit standards of banks applied in the process of approving loans and/or credit lines to corporates. As there were no changes of credit standards in the observed period, the net percentage of contributions of individual factors in the fourth quarter of 2025 was 0% (see Appendix, question 2). Changes in credit standards for loans to enterprises
30 1320 10 0 00 0 0 -10 -13 -13-20 -30 -25 -25 -40 -50 4 -60 Short-term loans Long-term loans Overall
2.1.2 Terms and conditions of approving the corporate loans
The net percentage from responses compiled by the Bank Lending Survey indicates that the terms of approving the corporate loans in the fourth quarter of 2025 remained unchanged compared to the previous quarter (see Appendix, question 3).
Changes in terms and conditions on loans to enterprises Factors affecting credit standards
Bank's loan margin 4050
302010 Collateral requirements-100 -30
Maturity-50-20 -70 -40-90Non-interest rate-110 5 charges-60-130 Maximum amount of loans and/or credit lines
2.1.3 Share of rejected applications for corporates loans
In the fourth quarter of 2025, the net result from compiled responses shows that there has been a slight increase of the share of rejected applications for loans to corporates compared to the previous quarter (see Appendix, Question 4).
2.2 Demand for corporate loans and/or credit lines
On the basis of the results of the conducted Bank Lending Survey, trends of corporate demand for loans in the fourth quarter of 2025 and also the factors impacting the trend were analysed. The Survey results show that corporate demand for loans continued to grow in the observed period. By maturity, the growth of demand was recorded both in the segment of short-term and segment of long-term loans (see Appendix, question 5).
Changes in demand for loans and/or credit lines to enterprisesChange in share of enterprise loan applications rejected
3080 6020 40 13 13 13 1020 0 0 0 0 000 -20 -10-40 6 -13-20 Overall Short-term loans Long-term loans
The graph below shows the net percentage of the contributions of factors that influenced the change of the corporate demand for loans and/or credit lines (see Appendix, question 6).
Expectations for the first quarter of 2026 On the basis of the results of the conducted Bank Lending Survey, expectations related to the trend of credit standards and corporate demand for loans in the first quarter of 2026 have been analysed. The Survey results show that the net percentage of responses with regard to standards for approving corporate loans is 0%, indicating that banks in the first quarter of 2026 do not expect credit standard changes compared to the previous quarter (see Appendix, Question 7). At the same time, banks are expecting an increase of the corporate demand for loans in the period to come. By maturity, the growth of demand is expected in the segment of short-term loans, while a slightly stronger increase is expected in the segment of long-term loans and/or credit lines (see Appendix, question 8).
- Loans to households
3.1 Supply
Factors affecting demand for loan or credit line to enterprises 3.1.1 Credit standards for loans to households
190 Other financing sources170
In the fourth quarter of 2025, Bank Lending Survey was conducted, with analysis of credit standards trend for 150 Loans from non-bankshousehold loans and factors impacting possible standard changes. 130 Loans from other banks110The Survey results show that credit standards for household loans in the observed period were not changed
90 compared to the previous quarter. The net percentage of responses was 0%, indicating that banks did not either
tighten or ease conditions for approving loans to this segment of customers (see Appendix, question 9). 70 Mergers/acquisitions50
Debt restructuring30 7
Working capital (e.i. Supplies)
Fixed investment
The graph below shows a net percentage of contributions of the factors impacting a change of bank credit standards applied in the process of approval of loans to households. In the fourth quarter of 2025, net percentage amounted to 0% as there were no changes of credit standards (see Appendix, question 10).
Factors affecting credit standards for loans to householdsChanges in credit standards for loans to households
7025 25 2530
20 13 1313 13 50 1310 0 0 0 300 Risk perception -10 10-20 -13 Competition pressure -10-30 -40 -30-50 8
Loans for house purchase Consumer and non-purpose loans Overall
3.1.2 Terms and conditions of approving loans to households
The terms and conditions on loans to households in the fourth quarter of 2025 remained unchanged compared to the previous quarter (see Appendix, question 11).
3.1.3 Share of rejected applications for loans to households
In the fourth quarter of 2025, the net result from compiled responses indicates that there was no change of the share of rejected applications for approval of loans to households compared to the previous quarter (see Appendix, question 12).
Changes in terms and conditions on loans to householdsChange in hare of household loan applications rejected
60 3050 Bank's loan margin 402030 13 13 13 Collateral requirements201010 0 0 0 0 0 0 Maturity00 -10 Non-interest rate charges-20-10-30 9 -40 Maximum amount of loans-20 and/or credit lines
3.2 Demand on loans to households
On the basis of the results of the conducted Bank Lending Survey, trends of household demand for loans in the fourth quarter of 2025 and also the factors impacting the trend were analysed. The Survey results show that household demand for housing loans continued to grow in the fourth quarter of 2025. At the same time, the net percentage of responses in the segment of consumer and non-specified purpose loans was 0%, indicating that the demand for this kind of loans remained unchanged compared to the previous quarter (see Appendix, question 13).
The graph below shows the net percentage of the contributions of the factors that influenced a change in demand on loans to households (see Appendix, question 14).
Factor affecting demand for loans to householdsChanges in demand for loans to households
100150801006050 40020-500 -100-20-150-40 -60 10 Spending on durable consumer goods Real estate purchase Internal financing out of saving Loans from other banks Overall Loans for house purchase Consumer and non-purpose loans Other sources of external finance
Expectations for the first quarter of 2026 On the basis of the results of the conducted Bank Lending Survey, expectations related to credit standards and household demand for loans in the first quarter of 2026 have been estimated. The Survey results show that the net percentage of responses with regard to standards for approving household loans is 0%, indicating that banks in the first quarter of 2026 do not expect credit standard changes compared to the previous quarter (see Appendix, Question 15). At the same time, the net percentage of responses related to demand for household loans is 0%, indicating the expectations that demand will remain at the same level as in the previous quarter (see Appendix, question 16). APPENDIX Consolidated answers of banks for the fourth quarter of 2025, related to the questions from the Survey questionnaire
- Loans and credit lines to corporates
- Over the past three months, how have your bank's credit standards as applied to the approval of loans and/or
credit lines to corporates, changed?
Periods Overall Q2 2022 Q3 2023 Q4 2024 Q4 2021 Q1 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
- Over the past three months, how have the following factors affected your bank's credit standards as applied
to the approval of loans and/or credit lines to corporates?
- Over the past three months, how have your bank's terms and conditions for new loans and/ or credit lines
to corporates changed?
12 Periodi Interest margin Maximum amount Periods Commissions and (higher margins Collateral of loans and/or Maturity =tightening, lower requirements fees credit lines Diffusion Diffusion Diffusion Diffusion Diffusion Net Net Net Net Net Diffusion Diffusion Diffusion Diffusion Net Net Net Net margins = easing) index index index index index Q1 2022 Q2 2023 Q3 2024 Q1 2025 Q4 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q4 2021 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q4 2024 Q2 2025 Q3 2025 Q4 2025 index index index index
- Over the past three months (apart from normal seasonal fluctuations), has the share of loan applications, that
were rejected by your bank, decreased, remained unchanged or increased in relation to the total amount of loan applications?*
*Since the second quarter of 2021, there were changes in the analysis of the share of rejected loan applications compared to previous quarters. Instead of the number of rejected loan applications, an information on the change of the amount of rejected loans applications during the observed quarter is provided.
- Over the past three months (apart from normal seasonal fluctuations), how has the demand on loans and/or
credit lines to corporates changed at your bank?
Periods Periods Share of rejected applications Q4 2021 Q2 2022 Q3 2023 Q4 2024 Q2 2022 Q3 2023 Q1 2024 Q2 2025 Overall Q1 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q4 2021 Q1 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q4 2023 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q3 2025 Q4 2025
- Over the past three months (apart from normal seasonal fluctuations), how have the following factors
affected the demand on loans and/or credit lines to corporates?
Periods Periods Other Loans from Loans from Diffusion Diffusion Diffusion Diffusion Net Net Net Net Mergers/ Capital Debt financing Diffusion Diffusion Diffusion Diffusion Net Net Net Net Working capital other banks non-banks FINANCING NEEDS index index index index restructuring acquisitions investment Q2 2022 Q4 2022 Q1 2024 Q2 2025 Q4 2021 Q3 2022 Q1 2023 Q2 2024 Q3 2025 Q4 2021 Q1 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q3 2025 Q4 2025 Q1 2022 Q2 2022 Q4 2022 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q4 2025 index index index index sources
- Please indicate how you expect your bank's credit standards as applied to the approval of loans and/or credit
lines to corporates to change over the next three months?
- The table shows the answers of the current quarter for the next quarter.
- Please indicate how you expect demand for loans and/or credit lines to corporates to change over the next
three months at your bank (apart from normal seasonal fluctuations)?
- The table shows the answers of the current quarter for the next quarter. Periods Other Loans from Loans from Periods financing Diffusion Diffusion Diffusion Diffusion Net Net Net Net other banks non-banks Q4 2021 Q1 2023 Q2 2024 Q4 2024 Q4 2022 Q1 2024 Q2 2025 sources Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q4 2021 Q1 2022 Q2 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q3 2025 Q4 2025 index index index index Overall
- Household loans
- Over the past three months, how have your bank's credit standards as applied to the approval of loans to
households changed?
- Over the past three months, how have the following factors affected your bank's credit standards as applied
to the approval of loans to households?
Periods Periods Diffusion Diffusion Diffusion Diffusion Net Net Net Net Overall Q3 2023 Q2 2022 Q1 2024 Q2 2025 Q4 2021 Q1 2023 Q2 2024 Q3 2025 Q4 2021 Q1 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q4 2023 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q3 2025 Q4 2025 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q4 2025 index index index index
- Over the past three months, how have your bank's terms and conditions for new loans to households
changed?
- Over the past three months (apart from normal seasonal fluctuations), has the share of household loan
applications, that were rejected at your bank, decreased, remained unchanged or increased compared to the total number of loan applications of households?*
*Since the second quarter of 2021, there were changes in the analysis of the share of rejected loan applications, compared to previous quarters. Instead of the number of rejected loan applications, an information on the change of the amount of rejected loans applications during the observed quarter is provided. 17
Interest margin Periods Maximum amount of loans (higher margins Periods Collateral requirements Commissions and fees Maturity =tightening, lower and/or credit lines Diffusion Diffusion Diffusion Diffusion Diffusion Net Net Net Net Net Share of rejected applications Q2 2022 Q4 2022 Q1 2024 Q2 2025 Q4 2021 Q1 2023 Q2 2024 Q4 2024 Q4 2021 Q1 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q3 2025 Q4 2025 Q4 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 margins = easing) index index index index index
- Over the past three months (apart from normal seasonal fluctations), how has the demand for households
loans changed at your bank?
Over the past three months (apart from normal seasonal fluctuations), how have the following factors affected the household demand for loans?
18 Periodi Spending on durable Spending on durable consumer goods, consumer goods, Other sources of Periods Loans from other banks Household saving Diffusion Diffusion Net Net Net Diffusion Diffusion Diffusion Diffusion Diffusion Net Net Net Net Net external finance such as cars, such as cars, Overall FINANCING NEEDS index index index index index Q4 2021 Q2 2022 Q3 2023 Q4 2024 Q4 2022 Q2 2023 Q1 2024 Q3 2024 Q4 2025 Q1 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q4 2021 Q1 2022 Q2 2022 Q3 2022 Q1 2023 Q3 2023 Q4 2023 Q2 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 index index furniture, etc furniture, etcPlease indicate how you expect your bank's credit standards as applied to the approval of household loans to change over the next three months?
- The table shows the answers of the current quarter for the next quarter.
- Please indicate how you expect demand for household loans to change over the next three months at your
bank (apart from normal seasonal fluctuations)?
- The table shows the answers of the current quarter for the next quarter. Periods Periods Overall Overall Q4 2023 Q1 2024 Q2 2024 Q2 2022 Q3 2023 Q1 2024 Q2 2025 Q4 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q4 2021 Q1 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q4 2023 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q3 2025 Q4 2025
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