Serbian citizens owe banks more than 2.000 billion dinars: Cash loans are still the most popular

Total loans businesses, citizens and entrepreneurs in June amounted to 4.626 billion dinars, and the total debt to banks was 15 percent higher than in the same month of 2025.

Loans to the economy amounted to 2.426 billion dinars, so legal entities borrowed 11,6 percent more compared to the year before, while loans owed to entrepreneurs amounted to 100,8 billion dinars and are 13,4 percent higher than in June 2025, the Credit Report shows. Association of Banks of Serbia.

When it comes to the population, citizens' debt to banks in June amounted to 2.099 billion dinars and was 19,2 percent higher compared to the same period last year.

The largest share in total loans to the population in June was cash - 49,1 percent, followed by housing and adaptation loans - 42,3 percent, agricultural loans - 4,9 percent, others 2,4 percent, and consumer loans 1,4 percent.

In June, citizens of Serbia borrowed 20,5 percent more for cash loans than a year earlier, so they owed 1.031 billion dinars to commercial banks based on cash loans.

Borrowing on the basis of housing and adaptation loans increased by 19 percent, and the total debt on behalf of these loans in June amounted to 887,61 billion dinars.

In third place in terms of the volume of loans to the population are agricultural loans, which amounted to 101,87 billion dinars. Citizens owed 50,14 billion dinars to banks for other loans.

Nevertheless, consumer loans recorded the highest growth in June compared to the same period of the previous year - 21,9 percent and amounted to 28,73 billion dinars.

The total share of arrears in debt based on bank loans amounted to 1,9 percent. The largest arrears in June were recorded among entrepreneurs - 3,3 percent, followed by legal entities - 2,5 percent, while the population was the least late in repayment, since the share of citizens' arrears was 1,1 percent.

Arrears for legal entities and entrepreneurs represent overdue unpaid obligations over 15 days, and over 60 days for natural persons.

When it comes to current accounts, there were 9,37 million at the end of June, while the number of users was 6,11 million. The total number of overdue current accounts was 206.428, while the share of overdue accounts in the amount of the allowed overdraft was 5,9 percent.

The number of credit cards in Serbia in June was 1.108.257, while the total number of users was 850.635.

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