The National Bank of the Republic of North Macedonia’s Council adopted the Banking Sector Risk Report for the second quarter of 2025, reporting that the banking system remained stable as economic growth accelerated and inflation slowed. Solvency improved, with the capital adequacy ratio rising to 19.6%, the highest level since 2006. Liquidity was described as satisfactory, with liquid assets covering a significant share of short-term liabilities and household deposits, while asset quality improved further as the non-performing loan ratio fell to a historical low of 2.4%. Against eased credit standards and stronger credit demand, lending growth accelerated, with quarter-on-quarter increases of 3.1% for household lending and 4.3% for lending to enterprises, alongside faster deposit growth and continued favourable currency and maturity trends; the central bank also flagged the need for continued caution in monetary and macroprudential policy amid elevated external and domestic uncertainty. The Council also adopted a Sustainability Framework intended to embed sustainable practices in the central bank’s day-to-day operations, including measures aimed at improving energy efficiency, supporting responsible resource use, promoting green finance, reducing the carbon footprint, and building staff awareness and capacity on sustainable operations.
National Bank of the Republic of North Macedonia 2025-10-31
National Bank of the Republic of North Macedonia publishes Q2 2025 banking risk report showing 19.6% capital adequacy and adopts Sustainability Framework
The National Bank of the Republic of North Macedonia reported a stable banking system in Q2 2025, with improved solvency and a capital adequacy ratio of 19.6%. Liquidity was satisfactory, and asset quality improved as the non-performing loan ratio fell to 2.4%. The Council also adopted a Sustainability Framework to enhance sustainable practices in its operations.