There is a danger that this may be causing some participants in the housing market to associate the adoption of the euro with permanently low interest rates. Since most new mortgages have periods in excess of twenty years, borrowers must take a long-term view of interest rates.
2  BIS Review 24/2003  The privatization of the banking sector is in its final stage. The share of the state capital in the banking sector is around 10%. Consolidation of banking sector is obvious. Out of 55 banks in 2000, 40 banks are currently operating in BiH.