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SerbiaEconomy2 days ago

"I don't need the sea, I'll change euros": Summer, the time of year when savings "melt" the most

The article discusses the state of foreign currency savings in Serbian banks, which reached 16.2 billion euros by the end of 2025, showing an increase of around 460 million euros compared to mid-year. At the same time, household debt to banks has risen by 19% year-on-year. The piece explores whether it is wiser to save money, invest in gold as a safe asset during uncertain times, or take out loans to enjoy life's pleasures. It also examines the balance between responsible spending and financial risk, especially considering June as the month when savings 'melt away.' Experts like Georgi Hristov

Devizna štednja u srpskim bankama dostigla je 16,2 milijarde evra krajem 2025. godine

Stručnjaci analiziraju gde je granica između odgovorne potrošnje i finansijskog rizika i traže najisplativije načine očuvanja vrednosti novca

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Dok jedni pažljivo pune kasicu, drugi kupuju investiciono zlato, treći razmišljaju da li letovanje da plate iz ušteđevine ili pomoću kredita. Koliko smo, zaista, finansijski spremni za nepredviđene troškove i da li danas više štedimo ili se više zadužujemo?

Podaci Narodne banke Srbije pokazuju zanimljiv paradoks - građani Srbije su krajem 2025. godine u bankama držali deviznu štednju u iznosu od 16,2 milijarde evra, što je povećanje od oko 460 miliona evra u odnosu na sredinu godine, dok je, istovremeno, dug stanovništva prema bankama porastao za čak 19 odsto u odnosu na godinu ranije.

Da li je pametnije čuvati novac na računu, ulagati u zlato kao sigurnu bazu u neizvesnim vremenima ili je, sasvim opravdano, ponekad posegnuti za kreditom, kako bismo sebi priuštili odmor iz snova? Budući da je jun mesec kada se štednja najviše “topi”, proveravamo gde je granica između odgovornog trošenja i finansijskog rizika? I šta je danas najisplativiji način da sačuvamo vrednost svog novca?

Gosti Blic DAN -a sa kojima tražimo odgovore su Georgi Hristov, ekonomski analitičar i ekspert za investicije u plemenite metale i Borislav Brujić, vlasnik menjačnice i predsednik Udruženja menjača Srbije.

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Source document: National Bank of Serbia

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BlicIndependentCenter2 days ago
"I don't need the sea, I'll change euros": Summer, the time of year when savings "melt" the most

The article discusses the state of foreign currency savings in Serbian banks, which reached 16.2 billion euros by the end of 2025, showing an increase of around 460 million euros compared to mid-year. At the same time, household debt to banks has risen by 19% year-on-year. The piece explores whether it is wiser to save money, invest in gold as a safe asset during uncertain times, or take out loans to enjoy life's pleasures. It also examines the balance between responsible spending and financial risk, especially considering June as the month when savings 'melt away.' Experts like Georgi Hristov

Bias read (Center): The article presents economic data and invites expert opinions without taking a clear stance or using biased language. It focuses on analyzing financial behavior and investment options rather than promoting a specific ideological viewpoint.

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  • government National Bank of Serbia

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  • governmentNational Bank of Serbia