The World Savings Day – Increased Citizens’ Confidence and Stability of the Banking System in BH 10/31/2025 Tweet On the occasion of World Savings Day, on October 31, the Central Bank of Bosnia and Herzegovina (CBBH), as part of its traditional activities aimed at strengthening financial literacy, hosted more than 400 elementary and secondary school students from different parts of the country. Through educational workshops, interactive presentations and visits to the main Units and Branches of the CBBH, students had the opportunity to learn more about the importance of savings, responsible money management, and the role of the CBBH in maintain the stability of the domestic currency and the financial system. The activities were implemented in cooperation with schools and teachers, with a special emphasis on practical examples and discussions on everyday financial decisions that contribute to the creation of sound financial habits from an early age. The latest CBBH data illustrate that citizens’ trust in the banking sector and the domestic currency – the convertible mark (KM) – is continuously growing. At the end of September 2025, total houshold deposits with banks in Bosnia and Herzegovina amounted to KM 18.88 billion, an increase of KM 1.94 billion or 11.5% compared to the same period of the previous year. Houshold deposits account for 52.1% of total deposits in the banking sector and represent the key basis for financing and stable functioning of banks. Observed by maturity structure: - Time and savings deposits amounted to KM 5.65 billion (29.9% of total houshold deposits), with an annual growth of 6.5%. - Demand deposits reached KM 3.85 billion (20.4%), with an annual growth of 6.1%. - Transaction accounts amounted to KM 9.38 billion (49.7%), with an annual growth of 17.3%. In terms of currency structure, household deposits in the domestic currency (KM) amounted to KM 11.13 billion (58.9% of total household deposits), while deposits in euros and deposits in KM with a currency clause linked to the euro amounted to KM 7.03 billion (37.2%). Deposits in other foreign currencies amounted to KM 724 million, or 3.8%. Household deposits in KM increased by 16.8% on an annual basis, which is the result of an increase in transaction accounts in the domestic currency by KM 1.26 billion. Deposits in foreign currencies recorded a growth of 4.7%. These indicators confirm that the citizens of Bosnia and Herzegovina increasingly recognize the importance of savings and have confidence in the stability of the convertible mark and the banking sector. The continuous growth of household deposits contributes to the stability of the financial system and enables banks to provide sustainable financing to the corporates and haousholds. By marking World Savings Day, the CBBH emphasizes the importance of financial literacy, responsible management of personal finances and developing savings habits from an early age, as the foundation for personal and social financial stability. ______________________________________________________________________________ World Savings Day commemorates the First International Congress of Savings Banks, held on October 31, 1924 in Milan, at which representatives of world savings institutions sought a way out of the crisis caused by World War I and concluded that savings were essential for development. World Savings Day was also established with the aim of popularizing savings worldwide.
