# Bosnia and Herzegovina financial and banking sector status

> Live situation record from CLSTR: https://clstr.news/situations/bosnia-and-herzegovina-financial-and-banking-sector-status
> Updated: 2026-09-09T18:59:31.000Z. Sources: 4. Developments: 2.

In Bosnia and Herzegovina, the Agency for Deposit Insurance maintains a guarantee for bank deposits in the event of insolvency, covering individual claims up to a maximum of 50,000 KM across various account types.

While the national banking sector has seen growth, with total domestic sector deposits rising 13.4 percent to 40.43 billion KM by late July, specific entities face financial strain. The utility company Elektrokrajina Banja Luka reported a net profit for 2025 but faces a significant deficit, with short-term liabilities of 136.64 million KM exceeding current assets of 49.99 million KM.

## Timeline

### 2026-09-09: Bosnia and Herzegovina: Elektrokrajina faces debt crisis as national deposits rise

Elektrokrajina faces financial uncertainty as liabilities exceed assets by 86 million KM, while total domestic deposits in Bosnia and Herzegovina grew 13.4% annually to 40.43 billion KM.

2 sources. https://clstr.news/cluster/bosnia-and-herzegovina-elektrokrajina-faces-debt-crisis-as-national-deposits-rise

### 2026-08-20: Bosnia and Herzegovina deposit insurance covers up to 50,000 KM

The Agency for Deposit Insurance in Bosnia and Herzegovina guarantees individual bank deposits up to 50,000 KM, covering all account types and currencies if a bank becomes insolvent.

2 sources. https://clstr.news/cluster/bosnia-and-herzegovina-deposit-insurance-covers-up-to-50000-km

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Cite as: Bosnia and Herzegovina financial and banking sector status. CLSTR, https://clstr.news/situations/bosnia-and-herzegovina-financial-and-banking-sector-status