North Macedonia: Household credit
* indicates monthly or quarterly data series
The most recent value is 276.81 billion Macedonian Denar as of December 2025, an increase compared to the previous value of 274.31 billion Macedonian Denar. Historically, the average for North Macedonia from December 2003 to December 2025 is 120.65 billion Macedonian Denar. The minimum of 10.54 billion Macedonian Denar was recorded in December 2003, while the maximum of 276.81 billion Macedonian Denar was reached in December 2025.
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* indicates monthly or quarterly data series
- Measure: billion Macedonian Denar
- Source: National Bank of the Republic of Macedonia
| Recent values | North Macedonia: Household credit, billion currency units |
|---|---|
| 2025 Dec | 276.81 |
| 2025 Nov | 274.31 |
| 2025 Oct | 271.2 |
| 2025 Sep | 269.06 |
| 2025 Aug | 266.44 |
| 2025 Jul | 264.8 |
| 2025 Jun | 262.6 |
| 2025 May | 259.55 |
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Definition: Household credit includes credit extended by commercial banks and other deposit-taking institutions (excluding central banks) to households. Included are all credit institutions: domestic and foreign owned as well as private and public ones.
| Related indicators | Latest | Reference | Measure |
|---|---|---|---|
| Inflation | 3.5 | 2024 | percent |
| Exchange rate regimes | 6 | 2023 | index points |
| USD exchange rate | 53.5871 | 6/2026 | Local Currency Units per USD |
| Money supply (broad money) | 386.09 | 12/2025 | billion |
| Consumer Price Index (CPI) | 104.3900 | 5/2026 | index points |
| Inflation, monthly | 0.77 | 5/2026 | percent |
| Inflation, annual | 4.85 | 5/2026 | percent |
| Food and beverages inflation | 6.70 | 4/2026 | percent |
| Alcohol and tobacco inflation | 9.10 | 4/2026 | percent |
| Energy price inflation | 8.70 | 4/2026 | percent |
| Transport services inflation | 7.60 | 4/2026 | percent |
| Services inflation | 4.30 | 4/2026 | percent |
| Information and communication inflation | 2.80 | 4/2026 | percent |
| Restaurant and accommodation services inflation | 4.60 | 4/2026 | percent |
| Health care inflation | 2.40 | 4/2026 | percent |
| Education services inflation | 1.80 | 4/2026 | percent |
| Clothing and footwear inflation | 1.80 | 4/2026 | percent |
| Housing inflation | 8.30 | 4/2026 | percent |
| Private sector credit | 547.76 | 12/2025 | billion |
| Business credit | 270.94 | 12/2025 | billion |
| Household credit | 276.81 | 12/2025 | billion |
| Mortgage credit | 109.34 | 12/2025 | billion |
| Consumer credit | 167.47 | 12/2025 | billion |
| Deposit interest rate | 2.70 | 11/2025 | percent |
| Business credit interest rate | 4.51 | 11/2025 | percent |
| Mortgage credit interest rate | 3.68 | 11/2025 | percent |
| Policy rate | 4.00 | 5/2026 | percent |
| Business credit in local currency | 7.50 | 3/2026 | local currency units |
| Business credit in foreign currency | 71.93 | 3/2026 | local currency units |
| Household credit in local currency | 161.89 | 3/2026 | billion |
| Household credit in foreign currency | 122.08 | 3/2026 | local currency units |
| Private credit in local currency | 169.39 | 3/2026 | local currency units |
| Private credit in foreign currency | 194.01 | 3/2026 | local currency units |
| Bank deposits, total | 403.54 | 5/2026 | local currency units |
| Bank deposits, local currency | 149.47 | 5/2026 | local currency units |
| Bank deposits, foreign currency | 254.07 | 5/2026 | local currency units |