Bosnia and Herzegovina Credit to GDP
Domestic credit to private sector as % of GDP FS.AST.PRVT.GD.ZS
Bosnia and Herzegovina's credit to gdp was 43.51% in 2025, ranked 71st globally. This represents a 9.8% decrease from 2024. Data from World Bank, covering 2006–2025.
Overview
Bosnia and Herzegovina's credit to gdp stood at 43.51% in 2025, a decline of +4.75% from 2024. Based on recent trends, this figure is projected to reach 43.51% by 2025. Bosnia and Herzegovina ranked 71st globally.
Bosnia and Herzegovina’s credit‑to‑GDP ratio has fallen steadily over the past two decades, slipping from 47.78 % in 2006 to a ten‑year low of 43.51 % in 2025, which also represents the country’s all‑time trough after a peak of 65.61 % in 2008. The decline reflects a prolonged contraction in domestic credit amid modest economic growth and persistent fiscal constraints. By 2025 the ratio places Bosnia and Herzegovina at 71st in the world, marginally below Bulgaria’s 43.93 % and Croatia’s 41.87 %, suggesting that its credit environment remains slightly tighter than that of its regional peers. The downward trajectory is consistent with a broader post‑crisis adjustment in the Western Balkans, where banks have tightened lending standards and households have reduced borrowing. Unless structural reforms stimulate demand for credit or external financing conditions improve, the credit‑to‑GDP ratio is likely to continue its gradual decline in the near term.
Data & projection
| Year | Credit to GDP | YoY change | Rank |
|---|---|---|---|
| 2027* trend | 38.57% | - | - |
| 2026* trend | 41.04% | - | - |
| 2025* trend | 43.51% | - | - |
| 2025 | 43.51% | −4.75% | #71 |
| 2024 | 48.27% | +0.92% | #67 |
| 2023 | 47.34% | −0.75% | #82 |
| 2022 | 48.10% | −5.19% | #88 |
| 2021 | 53.29% | −4.37% | #99 |
| 2020 | 57.66% | +0.49% | #100 |
| 2019 | 57.17% | +0.51% | #113 |
| 2018 | 56.66% | −0.86% | #114 |
| 2017 | 57.52% | +0.35% | #116 |
| 2016 | 57.17% | −0.80% | #115 |
| 2015 | 57.97% | −2.25% | #121 |
| 2014 | 60.22% | −0.62% | #121 |
| 2013 | 60.83% | −0.88% | #121 |
| 2012 | 61.72% | +1.17% | #120 |
| 2011 | 60.55% | −1.30% | #120 |
Detected Pattern
Analysis
Bosnia and Herzegovina matched the Fiscal Dominance Trap pattern in 2022. Historically, 72% of countries showing this pattern (278 out of 386) saw credit to gdp improve within 24 months. View full analysis →
Frequently Asked Questions
Bosnia and Herzegovina's credit to gdp was 43.51% in 2025. Ranked 71st globally. This represents a 9.8% decrease from the previous year.
Bosnia and Herzegovina's credit to gdp peaked at 65.61% in 2008.
The lowest credit to gdp in Bosnia and Herzegovina was 43.51% in 2025.
Bosnia and Herzegovina ranks 71st globally in credit to gdp as of 2025.
The World Bank indicator code is FS.AST.PRVT.GD.ZS. Data sourced from World Bank.
Bosnia and Herzegovina's credit to gdp is projected to reach 43.51% by 2025 based on trend extrapolation.
The credit to gdp of Bosnia and Herzegovina in 2025 was 43.51%. This ranks 71st in the world.
Cite this page
@misc{historysaid_bosnia-and-herzegovina_credit-to-gdp,
title = {Bosnia and Herzegovina Credit to GDP},
url = {https://historysaid.com/bosnia-and-herzegovina/credit-to-gdp/},
publisher = {HistorySaid},
year = {2026}
}