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Bosnia and Herzegovina
31
Moderate
Risk
Risk
#108
of 171
Safer
than 37% of currencies
36
global avg score
$744
$1,000 in 5 years
Impact on Citizens
Citizens need to earn at least 7.6% per year on savings to stay ahead. Money sitting in a regular account is slowly losing value.See savings calculator ↓
Economic Indicators
Inflation Rate
6.1%
Debt to GDP
39.7%
GDP Growth
2.1%
Broad Money / GDP
72.8%
Banking & Stability
NPL Ratio
3.2%
Reserve Months
6.5
Current Account
-3.1%
FX Volatility
1.8
Governance & Markets
Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
14.0
Peg Fragility
24.1
Currency Structure
Global Currency Role
70.0
FX Regime
hard peg
Data Coverage
83.0%
Savings Impact Calculator
BAM
Holding cash in BAM6.1% inflation
BAM 744−BAM 256 (26% purchasing power lost)
Your BAM 1,000 buys 26% less in 5 years
What if you invested BAM 1,000 instead? (5yr, in BAM terms)
USD-denominated assets gain an additional ~3.1%/yr from expected BAM depreciation vs USD
Hold USD Cash
BAM 1005
+BAM 5
+0.1%/yr net in BAM
S&P 500
BAM 1851
+BAM 851
range: BAM 863–BAM 3587
10% USD return + 3.1% FX · ±16% vol
Gold
BAM 1693
+BAM 693
range: BAM 501–BAM 4502
8% USD return + 3.1% FX · ±24% vol
Bitcoin
BAM 3450
+BAM 2450
range: BAM 223–BAM 20.0k
25% USD return + 3.1% FX · ±54% vol
All values in BAM. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~3.1%/yr based on the inflation differential between Bosnia and Herzegovina (6.1%) and the US (~3%). This uses purchasing power parity as a long-run approximation — actual FX movements can differ significantly in the short term. S&P 500 based on 1957-2024, Gold on 2000-2024, Bitcoin on 2015-2024. Past performance does not guarantee future results. Not financial advice.
Data last updated: 2026-08-19