North Macedonia | Bank nonperforming loans to total gross loans (%)
Bank nonperforming loans to total gross loans are the value of nonperforming loans divided by the total value of the loan portfolio (including nonperforming loans before the deduction of specific loan-loss provisions). The loan amount recorded as nonperforming should be the gross value of the loan as recorded on the balance sheet, not just the amount that is overdue. Development relevance: The size and mobility of international capital flows make it increasingly important to monitor the strength of financial systems. Robust financial systems can increase economic activity and welfare, but instability can disrupt financial activity and impose widespread costs on the economy. The ratio of bank nonperforming loans to total gross loans measures bank health and efficiency by identifying problems with asset quality in the loan portfolio. A high ratio may signal deterioration of the credit portfolio. Limitations and exceptions: Reporting countries compile the data using different methodologies, which may also vary for different points in time for the same country. Users are advised to consult the accompanying metadata on the IMF FSI website (data.imf.org) to conduct more meaningful cross-country comparisons or to assess the evolution of the indicator for any of the countries. Statistical concept and methodology: The ratio of bank nonperforming loans to total gross loans is the value of nonperforming loans (gross value of the loan as recorded on the balance sheet) divided by the total value of the loan portfolio (including nonperforming loans before the deduction of loan loss provisions). It measures bank health and efficiency by identifying problems with asset quality in the loan portfolio. International guidelines recommend that loans be classified as nonperforming when payments of principal and interest are 90 days or more past due or when future payments are not expected to be received in full. Data are submitted by national authorities to the IMF following the Financial Soundness Indicators (FSI) Compilation Guide. For country specific metadata, including reporting period, please refer to the GFSR FSI Tables and the Data and Metadata Tables available through FSIs website: http://data.imf.org/.
Publisher
The World Bank
Origin
Republic of Macedonia
Records
63
Source
North Macedonia | Bank nonperforming loans to total gross loans (%)
1960
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2005 14.89284678
2006 11.21370623
2007 7.51448843
2008 6.71462623
2009 8.93736962
2010 9.04070957
2011 9.52269121
2012 10.11239713
2013 10.93956843
2014 10.80591339
2015 10.31444988
2016 6.2866141
2017 6.0984446
2018 5.03609299
2019 4.62471135
2020 3.26129559
2021 3.13085707
2022 2.79003002
North Macedonia | Bank nonperforming loans to total gross loans (%)
Bank nonperforming loans to total gross loans are the value of nonperforming loans divided by the total value of the loan portfolio (including nonperforming loans before the deduction of specific loan-loss provisions). The loan amount recorded as nonperforming should be the gross value of the loan as recorded on the balance sheet, not just the amount that is overdue. Development relevance: The size and mobility of international capital flows make it increasingly important to monitor the strength of financial systems. Robust financial systems can increase economic activity and welfare, but instability can disrupt financial activity and impose widespread costs on the economy. The ratio of bank nonperforming loans to total gross loans measures bank health and efficiency by identifying problems with asset quality in the loan portfolio. A high ratio may signal deterioration of the credit portfolio. Limitations and exceptions: Reporting countries compile the data using different methodologies, which may also vary for different points in time for the same country. Users are advised to consult the accompanying metadata on the IMF FSI website (data.imf.org) to conduct more meaningful cross-country comparisons or to assess the evolution of the indicator for any of the countries. Statistical concept and methodology: The ratio of bank nonperforming loans to total gross loans is the value of nonperforming loans (gross value of the loan as recorded on the balance sheet) divided by the total value of the loan portfolio (including nonperforming loans before the deduction of loan loss provisions). It measures bank health and efficiency by identifying problems with asset quality in the loan portfolio. International guidelines recommend that loans be classified as nonperforming when payments of principal and interest are 90 days or more past due or when future payments are not expected to be received in full. Data are submitted by national authorities to the IMF following the Financial Soundness Indicators (FSI) Compilation Guide. For country specific metadata, including reporting period, please refer to the GFSR FSI Tables and the Data and Metadata Tables available through FSIs website: http://data.imf.org/.
Publisher
The World Bank
Origin
Republic of Macedonia
Records
63
Source