Bank nonperforming loans to total gross loans in North Macedonia
North Macedonia: Bank nonperforming loans to total gross loans was 1.9% in 2025. ◆ Volatile
Bank nonperforming loans to total gross loans in North Macedonia, 2005–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
North Macedonia recorded 1.9% for bank nonperforming loans to total gross loans in 2025. That is the lowest value across all 21 years on record.
The figure is down 25.2% on the previous year and down 81.2% over ten years.
Over the whole period, bank nonperforming loans to total gross loans in North Macedonia peaked at 14.9% in 2005 and was at its lowest, 1.9%, in 2025.
North Macedonia ranks 117th of 151 countries on this measure, in the bottom quarter.
The series is highly variable year to year, so single readings are best treated with caution.
Bank nonperforming loans to total gross loans in North Macedonia, year by year
| Year | % | Change |
|---|---|---|
| 2005 | 14.9% | — |
| 2006 | 11.2% | -24.7% |
| 2007 | 7.5% | -33.0% |
| 2008 | 6.7% | -10.6% |
| 2009 | 8.9% | +33.1% |
| 2010 | 9.0% | +1.2% |
| 2011 | 9.5% | +5.3% |
| 2012 | 10.1% | +6.2% |
| 2013 | 10.9% | +8.2% |
| 2014 | 10.8% | -1.2% |
| 2015 | 10.3% | -4.5% |
| 2016 | 6.3% | -39.1% |
| 2017 | 6.1% | -3.0% |
| 2018 | 5.0% | -17.4% |
| 2019 | 4.6% | -8.2% |
| 2020 | 3.3% | -29.5% |
| 2021 | 3.1% | -4.0% |
| 2022 | 2.8% | -10.9% |
| 2023 | 2.7% | -4.4% |
| 2024 | 2.6% | -2.8% |
| 2025 | 1.9% | -25.2% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 9.9% | 6.7% | 14.9% | 5 |
| 2010s | 8.3% | 4.6% | 10.9% | 10 |
| 2020s | 2.7% | 1.9% | 3.3% | 6 |
Countries ranked near North Macedonia
More financial sector data for North Macedonia
- Reserve position in the IMF, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 0 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 0 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 0 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 0 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 0 % change on previous year (2025)
Frequently asked questions
- What is bank nonperforming loans to total gross loans in North Macedonia?
- Bank nonperforming loans to total gross loans in North Macedonia was 1.9% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank nonperforming loans to total gross loans recorded in North Macedonia?
- The highest recorded value was 14.9% in 2005.
- What is the lowest bank nonperforming loans to total gross loans recorded in North Macedonia?
- The lowest recorded value was 1.9% in 2025.
- How does North Macedonia rank for bank nonperforming loans to total gross loans?
- North Macedonia ranks 117th out of 151 countries with data for 2025.
- Is bank nonperforming loans to total gross loans rising or falling in North Macedonia?
- Over the last ten years it is down 81.2%. The long-run trend across the full record is volatile.
- Where does this North Macedonia data come from?
- The figures come from Financial Soundness Indicators, International Monetary Fund (IMF), published as part of Bank nonperforming loans to total gross loans (%). Statizoid updates them automatically from the source API.
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About this data
The indicator measures the proportion of a deposit taker’s loan portfolio that is impaired or at risk of default. It is calculated as the ratio of non-performing loans (NPLs) to total gross loans, where NPLs are defined as loans that are past due by 90 days or more or are otherwise considered unlikely to be repaid in full without the realization of collateral. Both non-performing loans and total gross loans should be reported at their gross book value, without deducting for loan-loss provisions or collateral. This indicator provides a key measure of asset quality and potential credit risk in the banking system.