Total Loans Increase in April
Total loans to companies, citizens and entrepreneurs in Serbia reached around 4.508 to 4.509 trillion dinars at the end of April, according to data from the Credit Bureau of the Association of Serbian Banks. This represents a 1.7 percent increase compared with March, while the annual rise compared with April of last year was reported at 15.8 percent. The data show continued growth in borrowing across the main categories of the economy, households and entrepreneurs.
Corporate and Entrepreneur Loans Also Grow
Loans to legal entities amounted to around 2.371 trillion dinars, increasing by 1.7 percent compared with the previous month. Loans to entrepreneurs also rose, increasing by one percent to approximately 98.2 billion dinars. On an annual basis, corporate loans increased by 12.5 percent, while loans to entrepreneurs rose by 15 percent.
Household Debt Passes Two Trillion Dinars
Household debt to banks stood at around 2.039 to 2.040 trillion dinars at the end of April, increasing by 1.6 percent compared with March. Compared with April 2025, household loans rose by 20 percent, making this one of the most dynamic segments of credit growth in Serbia.
Consumer Loans Record the Strongest Monthly Growth
Among household loans, the largest monthly increase was recorded in consumer loans, which grew by 5.1 percent in April. Cash loans rose by 1.8 percent, housing loans by 1.4 percent, agricultural loans by 1.8 percent, while refinancing loans increased by 0.6 percent.
On an annual basis, cash loans exceeded 1 trillion dinars and increased by 21.7 percent. Housing loans amounted to 864 million dinars according to the cited report, with annual growth of 19 percent. Consumer loans increased by 18.6 percent year-on-year, while other loans, mainly refinancing loans, rose by 22.8 percent.
Loan Repayment Delays Remain Stable
The share of bank loans in repayment delay stood at 1.9 percent at the end of April, unchanged from March. Among household loans, the delay rate was 1.2 percent, while among corporate loans it was 2.4 percent. These figures indicate that, despite the continued rise in borrowing, the overall share of late repayments remained stable at the end of April.
