Formal Borrowing Statistics in Bosnia and Herzegovina (2026)
As of the 2024 data, 11.7% of adults in Bosnia and Herzegovina borrowed from a formal financial institution, per World Bank Global Findex. Down from 21.3% in 2021 to 11.7% in 2024 (−9.6 percentage points). Bosnia and Herzegovina ranks #43 of 46 economies in Europe & Central Asia on this measure, and #90 of 142 globally.
Key Statistics
- Latest value (2024)
- 11.7% (2024)
- Formal Borrowing in Bosnia and Herzegovina as of 2024, the most recent observation in World Bank Global Findex data.
- Change since 2021
- −9.6 pp (2024)
- Down from 21.3% in 2021 to 11.7% in 2024 (−9.6 percentage points).
- Earliest value in this dataset (2014)
- 17.6% (2014)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Down from 17.6% in 2014 to 11.7% in 2024.
- Peak value (2021)
- 21.3% (2021)
- Highest value in the available series; the 2024 value is 11.7%.
- Rank in Europe & Central Asia
- #43 of 46 (2024)
- Bosnia and Herzegovina ranks 43 of 46 countries in Europe & Central Asia with data, based on each country's latest value.
- Global rank
- #90 of 142 (2024)
- Bosnia and Herzegovina ranks 90 of 142 countries with data globally.
- Europe & Central Asia average
- 33.3% (2024)
- Bosnia and Herzegovina (11.7%) is below the average of 33.3% across the 46 countries in Europe & Central Asia with data.
- Among women (2024)
- 10% (2024)
- Value for women in Bosnia and Herzegovina, same 2024 World Bank Global Findex data.
- Among men (2024)
- 13.5% (2024)
- Value for men in Bosnia and Herzegovina, same 2024 World Bank Global Findex data.
- Gender gap (women minus men)
- −3.4 pp (2024)
- In 2024, the figure was 10% for women and 13.5% for men — 3.4 percentage points lower among women.
- Among the poorest 40% (2024)
- 10.2% (2024)
- Value for adults in the poorest 40% of households in Bosnia and Herzegovina in 2024.
- Poorest-40% gap vs national
- −1.5 pp (2024)
- The poorest 40% (10.2%) are 1.5 percentage points below the national figure (11.7%).
- Internet use in Bosnia and Herzegovina (2024)
- 86.1% (2024)
- 86.1% of the population in Bosnia and Herzegovina used the internet in 2024 (World Bank); shown for context only.
- Population (2024)
- 3.2 million (2024)
- Bosnia and Herzegovina had a population of 3.2 million in 2024 (World Bank); shown for scale only.
Trend, 2014–2024
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2024 | 11.7% | −9.6 pp |
| 2021 | 21.3% | +6.6 pp |
| 2017 | 14.7% | −2.9 pp |
| 2014 | 17.6% | — |
Frequently asked questions
What share of adults in Bosnia and Herzegovina borrowed from a formal financial institution?
11.7% of adults in Bosnia and Herzegovina borrowed from a formal financial institution in 2024, according to World Bank Global Findex data.
How recent is the formal borrowing data for Bosnia and Herzegovina?
The most recent observation is from 2024. World Bank Global Findex data is reported with a lag, so 2024 is the latest available year for Bosnia and Herzegovina.
Where does the formal borrowing data for Bosnia and Herzegovina come from?
The data comes from the World Bank Global Findex (indicator fin22a). The latest observation for Bosnia and Herzegovina is from 2024; the snapshot was retrieved on 2026-06-10.
Source & methodology
Source: World Bank Global Findex, indicator
fin22a, retrieved .
Figures are shown exactly as published in the source dataset; only the change column of the trend table is computed from adjacent published values.Read more on the methodology page. All figures are estimates and projections; this is not financial advice.
Last updated .