Bosnia and Herzegovina Lending Rate
Lending interest rate FR.INR.LEND
Bosnia and Herzegovina's lending rate was 4.74% in 2025, ranked 90th globally. This represents a 6.5% increase from 2024. Data from World Bank, covering 2002–2025.
Overview
Bosnia and Herzegovina's lending rate stood at 4.74% in 2025, a rise of +0.29pp from 2024. Based on recent trends, this figure is projected to reach 4.74% by 2025. Bosnia and Herzegovina ranked 90th globally.
Bosnia and Herzegovina’s lending rate has fallen sharply from an all‑time peak of 12.70% in 2002 to a trough of 3.07% in 2020, before rising modestly to 4.74% in 2025, placing the country 90th in the world ranking. The decline mirrors the post‑conflict monetary consolidation and gradual integration into European financial markets, while the recent uptick reflects tightening global liquidity conditions after the pandemic. Compared with peers of similar ranking, Bosnia’s rate is slightly above Bulgaria’s 4.51% and marginally below Thailand’s 4.48%, suggesting a competitive but still relatively high cost of borrowing in the region. The 24‑year coverage shows a long‑term downward trajectory, yet the modest increase since 2020 indicates sensitivity to external interest‑rate cycles. Continued macro‑financial stability and further alignment with European Central Bank policy could keep the rate on a downward path, while any resurgence of inflationary pressures may reverse the trend.
Data & projection
| Year | Lending Rate | YoY change | Rank |
|---|---|---|---|
| 2027* trend | 5.47% | - | - |
| 2026* trend | 5.11% | - | - |
| 2025* trend | 4.74% | - | - |
| 2025 | 4.74% | +0.29pp | #90 |
| 2024 | 4.45% | +0.34pp | #5 |
| 2023 | 4.11% | +0.75pp | #2 |
| 2022 | 3.36% | +0.16pp | #6 |
| 2021 | 3.20% | +0.13pp | #8 |
| 2020 | 3.07% | −0.22pp | #6 |
| 2019 | 3.29% | −0.50pp | #5 |
| 2018 | 3.79% | −0.59pp | #8 |
| 2017 | 4.38% | −0.86pp | #14 |
| 2016 | 5.24% | −0.55pp | #22 |
| 2015 | 5.79% | −0.85pp | #37 |
| 2014 | 6.64% | −0.39pp | #40 |
| 2013 | 7.04% | −0.29pp | #41 |
| 2012 | 7.33% | −0.10pp | #40 |
| 2011 | 7.43% | −0.46pp | #37 |
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 lending rate improve within 24 months. View full analysis →
Frequently Asked Questions
Bosnia and Herzegovina's lending rate was 4.74% in 2025. Ranked 90th globally. This represents a 6.5% increase from the previous year.
Bosnia and Herzegovina's lending rate peaked at 12.70% in 2002.
The lowest lending rate in Bosnia and Herzegovina was 3.07% in 2020.
Bosnia and Herzegovina ranks 90th globally in lending rate as of 2025.
The World Bank indicator code is FR.INR.LEND. Data sourced from World Bank.
Bosnia and Herzegovina's lending rate is projected to reach 4.74% by 2025 based on trend extrapolation.
The lending rate of Bosnia and Herzegovina in 2025 was 4.74%. This ranks 90th in the world.
Cite this page
@misc{historysaid_bosnia-and-herzegovina_lending-rate,
title = {Bosnia and Herzegovina Lending Rate},
url = {https://historysaid.com/bosnia-and-herzegovina/lending-rate/},
publisher = {HistorySaid},
year = {2026}
}