Financial Sector in North Macedonia 47 indicators covering financial sector for North Macedonia. IndicatorLatest Year10-yr change Rank Net migration -5,645 2025 up 75.5% 138th Total reserves in months of imports 4.57 2025 up 8.1% 80th Net domestic credit 655.53 billion current LCU 2025 up 114.8% 98th Domestic credit to private sector by banks 53.3% 2025 up 4.6% 67th Net foreign assets 276.97 billion current LCU 2025 up 101.4% 91st Claims on central government, etc. 22.2% 2025 up 161.1% 38th Monetary Sector credit to private sector 53.4% 2025 up 4.5% 66th Domestic credit to private sector 56.3% 2025 up 8.2% 65th Broad money 60.5% 2024 up 13.0% 79th Official exchange rate 54.66 LCU per US$, period average 2025 down 1.6% 80th Claims on private sector 11.0% 2025 up 25.4% 31st Broad money 583.27 billion current LCU 2024 up 106.5% 95th Broad money growth 10.2% 2024 up 14.4% 77th Claims on central government 5.3% 2025 down 8.6% 52nd GDP deflator: linked series 198.34 base year varies by country 2025 up 50.2% 49th Inflation, GDP deflator: linked series 4.6% 2025 up 131.0% 73rd Broad money to total reserves ratio 1.95 2024 down 4.8% 127th Total reserves 40.9% 2024 down 7.7% 48th Interest rate spread 2.7% 2025 down 40.9% 109th Deposit interest rate 2.7% 2025 down 6.1% 87th Consumer price index 159.36 2010 = 100 2025 up 45.3% 95th Bank liquid reserves to bank assets ratio 23.9% 2025 up 13.9% 56th Lending interest rate 5.4% 2025 down 27.4% 112th Real interest rate 0.8% 2025 down 85.9% 119th Commercial bank branches 25.29 per 100,000 adults 2024 down 7.7% 25th Automated teller machines (ATMs) 69.83 per 100,000 adults 2024 up 14.0% 43rd Real effective exchange rate index 113.18 2010 = 100 2025 up 15.3% 30th Claims on other sectors of the domestic economy 11.4% 2025 up 29.1% 32nd Bank nonperforming loans to total gross loans 1.9% 2025 down 81.2% 116th International migrant stock 8.3% 2024 up 25.8% 90th International migrant stock, total 150,902 2024 up 15.4% 125th Bank capital to assets ratio 12.3% 2025 up 20.9% 26th Borrowers from commercial banks 385.63 per 1,000 adults 2024 up 7.5% 28th Depositors with commercial banks 1,253 per 1,000 adults 2023 up 20.8% 36th Portfolio investment, bonds (PPG + PNG) 110,000 NFL, current US$ 2024 down 100.0% 29th Domestic credit provided by financial sector 79.4% 2025 up 30.5% 21st Account ownership at a financial institution or with a mobile-money-se 84.3% 2024 up 17.3% 49th Account ownership at a financial institution or with a mobile-money-se 88.4% 2024 up 14.3% 44th Account ownership at a financial institution or with a mobile-money-se 57.4% 2024 up 23.0% 69th Account ownership at a financial institution or with a mobile-money-se 91.6% 2024 up 14.9% 37th Account ownership at a financial institution or with a mobile-money-se 77.2% 2024 up 20.6% 56th Account ownership at a financial institution or with a mobile-money-se 65.6% 2024 up 36.6% 49th Account ownership at a financial institution or with a mobile-money-se 93.8% 2024 up 6.2% 36th Account ownership at a financial institution or with a mobile-money-se 88.2% 2024 up 10.6% 49th Account ownership at a financial institution or with a mobile-money-se 78.4% 2024 up 31.0% 45th Claims on other sectors of the domestic economy 57.2% 2025 up 9.3% 27th Average transaction cost of sending remittances to a specific country 2.1% 2023 down 77.1% 68th