Citizens' and companies' debts on the rise - North Macedonia, the value of loans reaches 8.6 billion euros
From month to month, citizens of North Macedonia are increasing their debts, even though the benchmark rate for government bonds remains high. According to the latest data from the National Bank of Macedonia, citizens and companies together owe banks about 8.6 billion euros. For comparison, in January this year, the total value of loans was 8 billion euros.
Traditionally, citizens have higher debts than companies, and in June their value reached 4.37 billion euros. While firms register slightly lower debt, around 4.24 billion euros. However, in recent months, lending to the corporate sector has been expanding at a faster pace than before.
In September 2025, total loans increased by 0.9% compared to the previous month, with a greater contribution from households. The annual growth is 13.5%, mainly due to corporate sector lending, but household lending is also increasing, according to the report of the National Bank.
Citizens are more interested in consumer and housing loans. For consumer loans alone, citizens record a debt worth 2.2 billion euros. In the third quarter, the figure for this category was 1.9 billion euros. As for housing loans, citizens record loans worth 1.7 billion euros.
On the other hand, car loans attract less interest. For this category, citizens have a debt worth around 7 million euros.
The bank reported that in September 2025, loans approved for individuals, mainly consumer and housing loans, recorded both monthly and annual growth.
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