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The paper explores time-varying nature of sectoral composition of bank domestic credit to private sector. Bank credit to private sector could be roughly divided into household loans and business (enterprise) loans. The composition appears to have significant influence on economic growth. Nevertheless, thus far it has been an overly neglected issue in financial theory. The paper focuses on determinants of household to total domestic private loans ratio in Serbian banking industry based on monthly time series from the last fourteen years. We found that both credit supply and credit demand determinants influence the sectoral composition.

SECTORAL STRUCTURE OF BANK LOAN PORTFOLIOS: A SINGLE COUNTRY EXPLORATORY STUDY