Bosnia and Herzegovina is the first country in South Eastern Europe that has completely reformed its banking system. Foreign banks have invested significantly. Unicredit Bank, Raiffeisen Bank, Intesa SanPaolo Bank,Hypo Alpe-Adria-Bank, Nova Ljubljanska banka, ProCredit Bank, Turkish Ziraat Bank, Volksbank, Zepter Commerce Bank are all present in the country. Currently, according to the Central Bank of BiH, foreign banks own 86% of the banking sector, ensuring employment for 10.270 people. Bosnia Bank International is the only bank operating in BiH under Islamic banking principle.
Based on their analysis, on September 27, 2013, the Agency Standard & Poor's has confirmed sovereign credit rating on Bosnia and Herzegovina at „B with stable outlook". The international rating agency Moody's Investors Service has announced on 10 July 2012 that the credit rating of Bosnia and Herzegovina remains B3. What has been changed compared to the previous rating assessment is the Outlook, as the Negative Outlook has been replaced with the Stable Outlook.