What are cookies?

We use cookies on our website. A cookie is a small file consisting of letters and numbers that are recorded on your computer. Cookies do not store personal information, such as your name or address. The next time you visit our site, cookies allow us to recognize your browser. Cookies may save your preferences and other information but may not read your data or information from your hard drive or read other saved cookie files from other pages. You can set your web browser to reject cookies. Find out more about this in our Cookie Policy.

Cookie Policy
logo
  • МК
  • EN
  • AL
  • About National Bank
    • National Bank setup, powers and organization
    • National Bank bodies
    • National Bank Council
      • Method of operation of the National Bank Council
    • Executive Board
    • Governor
    • Vice-Governors
    • Committees
    • Corporate Governance
    • Objectives and tasks
    • Transparency
    • Public Relations
      • Press release
        • 2025
        • 2024
        • 2023
        • 2022
        • 2021
        • 2020
        • 2019
        • 2018
        • 2017
        • 2016
        • 2015
      • Speeches
      • Interviews
      • Personal Data Protection Officer (PDPO)
      • Authorized officer for receiving reports from whistle-blowers
      • Cooperation
    • Organizational chart
    • Strategy
    • Plan of Activities
    • International relations
      • EU relations
        • Pre-Accession Assistance
          • Press release
          • Presentations and speeches
        • Twinning Newsletters
      • Relations with the international financial institutions
      • Technical cooperation
    • Conferences
      • High-level conference
      • 9th Research Conference
        • Photo Gallery
      • 15th Conference on Payments and Market Infrastructures
      • Vienna Initiative – Full Forum (22-24 March 2023), Skopje
        • Press releases
        • Photo Gallery
      • 14th Conference on Payments and Market Infrastructures
      • 8th Research Conference
      • Anniversary of 30 years of monetary independence
      • Virtual workshop: Best Human Resource Management Practices in the Banking System in the Republic of North Macedonia, 10-11 November 2021
      • Virtual regional workshop for statisticians hosted by the National Bank of the Republic of Northern Macedonia, 11 December 2020
      • 11th Conference on Payments and Market Infrastructures
      • 7th Annual Research Conference
      • High Level International Conference on Monetary Policy and Asset Management (Marriot Hotel Skopje), 16. February, 2018
      • 10-th Jubilee Conference on Payments and Market Infrastructures
      • Celebration marking 25 years of the monetary independence of the Republic of Macedonia
      • 6th Annual Research Conference
      • 5th NBRM Research Conference
      • BIS Working Party on Monetary Policy in Central and Eastern Europe
      • 1st Eastern Europe and Central Asia (ECA) Regional Forum on Financial Inclusion Policy
      • 4th NBRM Research Conference
      • Third Child and Youth Finance Regional Meeting for Europe and Central Asia
      • 3rd Research Conference 2014
      • Joint National Bank of the Republic of Macedonia and European Central Bank Seminar on Statistics
      • 2nd Research Conference 2013
      • 20th anniversary of the monetary independence of the Republic of Macedonia
      • Opening Joint Public Information Center of World Bank and NBRM
      • 23rd Annual Conference of the Group of Banking Supervisors from Central and Eastern Europe (BSCEE)
      • Conference: Competitiveness of the South Eastern European Countries and Challenges on the Road to EU
      • Workshop: Problems in measuring inflation, May 22, 2007
      • Workshop: "Energy Consumption in the Republic of Macedonia and its Effects on the Balance of Payments"
      • 60th Anniversary of Central Banking in the Republic of Macedonia
    • Financial education
    • Museum
    • Library and Archive
    • Career in the National Bank
      • The National Bank as an employer
      • Employment in the National Bank
      • Practical work in the National Bank
  • Monetary policy
    • Design of monetary policy
    • Monetary Policy Executive Board
    • Monetary policy implementation
      • Open market operations
      • Reserve requirement
      • Deposit Facility
      • Marginal lending facility (overnight credit)
      • Intraday credit
      • Liquidity of the banking system
    • Changes to the National Bank policy rate
  • Financial markets
    • Central Bank bills auctions
    • Interbank deposit market
      • Interbank interest rate on deposit market-SKIBOR
      • Interbank interest rates on deposit market - MKDONIA
      • Trading on the interbank deposit market
    • Government securities auctions
    • Secondary markets
  • Financial stability
    • Financial stability reports
    • Financial Stability Indicators
    • Green Dashboard
    • Capital Buffers
    • Surveys
    • Innovation Gateway
    • Law on Financial Stability
  • Supervision
    • Banking Supervision
    • Legal Framework
      • Licencing
      • Capital Adequacy
      • Credit risk
      • Liquidity risk
      • Currency risk
      • Other risks
      • Supervision and survaillance
      • Consumer Protection in Case of Consumer Loan Agreements
      • Credit Registry
      • Other Regulation
      • Supervisory Circulars
      • Accounting, Financial reporting, Disclosure and Audit
      • Capital Buffers
      • Macroprudential instruments
    • Banking System Indicators and Reports
      • Banking System Reports
      • Banking System Indicators
      • Questionnaire
      • Advance Release Calendar for Banking System Data of Republic of North Macedonia
    • Risk-based Supervision
    • Banking System of the Republic of North Macedonia
    • Organizational Structure of Supervision
    • New Capital Accord (Basel II and Basel III)
    • Innovation Gateway
    • Money laundering and terrorism financing prevention
      • Laws and bylaws for money laundering and terrorism financing prevention
        • Law on the Prevention of Money Laundering and Financing of Terrorism
        • NBRNM AML/CFT bylaw
      • International organizations and national institutions
      • International standards
  • Payment systems and payment services
    • Macedonian Payment Infrastructure
    • Role of the National Bank in Payment Systems
    • Regulation on Payment Systems and Payment Services
    • Payment institutions, electronic money institutions and payment system operators
      • Issuing licenses
      • Registries
      • Reports on single cross-border payment transactio
    • Payment Statistics
    • Conferences, News & Publications
    • National Payment System Council
    • Innovation Gateway
  • Macedonian currency
    • Banknotes in circulation
    • Coins in circulation
    • Design of new polymer banknotes
    • Collector coins
    • List of successfully tested machines
  • Statistics
    • Advance Release Calendar
    • Bulletins
    • Monetary and Interest Rates Statistics
      • Monetary Statistics
      • Interest Rates Statistics
    • External Statistics
      • Balance of Payments
      • International Reserves and Foreign Currency Liquidity
      • International Investment Position
      • Direct Investment
        • Direct Investment - Flows
        • Direct Investment - Stocks
      • Portfolio Investment (CPIS)
      • Foreign Trade
      • External Debt
      • Effective Exchange Rate (REER)
    • Financial accounts
      • Financial Accounts Statistics
      • Debt securities
    • SDDS Plus - Special Data Dissemination System Plus
    • Basic Economic Data and Residential Real Estate Prices
    • Press Releases
    • NBStat - Statistical Web Portal
  • Publications
    • Annual
      • 2023
      • 2022
      • 2021
      • 2020
      • 2019
      • 2018
      • 2017
      • 2016
      • 2015
      • 2014
      • 2013
      • 2012
      • 2011
      • 2010
      • 2009
    • Recent Macroeconomic Indicators
      • 2025
      • 2024
      • 2023
      • 2022
      • 2021
      • 2020
      • 2019
      • 2018
      • 2017
      • 2016
      • 2015
    • Quarterly
      • 2025
      • 2024
      • 2023
      • 2022
      • 2021
      • 2020
      • 2019
      • 2018
      • 2017
      • 2016
      • 2015
      • 2014
    • Quarterly / Banking System
      • 2024
      • 2023
      • 2022
      • 2021
      • 2020
      • 2019
      • 2018
      • 2017
      • 2016
      • 2015
      • 2014
      • 2013
      • 2012
      • 2011
    • Semiannual (up to 2010)
      • 2010
      • 2009
      • Previously
    • Surveys
      • Bank Lending Survey
      • Survey on Inflation Expectations (until July 2017)
        • 2017
        • 2016
        • 2015
        • 2014
        • 2013
      • Survey on Inflation Expectations and Expectations for the Movement of the Real GDP
        • 2025
        • 2024
        • 2023
        • 2022
        • 2021
        • 2020
        • 2019
        • 2018
        • 2017
    • Statement of financial position of the National Bank
      • 2025
      • 2024
      • 2023
      • 2022
      • 2021
      • 2020
      • 2019
      • 2018
      • 2017
      • 2016
      • 2015
      • 2014
      • 2013
      • 2012
    • Research
      • Working papers
      • Economic analysis
      • Economic research (2001-2004)
      • Analytical appendices in quarterly reports
      • Conference proceedings
      • Other
    • Strategy
  • Regulations
    • Laws
    • Decisions
      • Decisions from the area of financial market operations
      • Decisions from the area of foreign exchange operations
      • Decisions from the area of payment systems and payment services
      • Decision from the area of supervision
      • Decisions from the area of vault operations
        • Management of banknotes and coins
        • Issue, release into circulation and withdrawal from circulation of banknotes and coins
      • Decisions from the area of accounting and financial reporting
      • Decision on the type and amount of the fees for services rendered by the National Bank of the Republic of North Macedonia
    • Manuals
      • Manuals from the area of foreign exchange operations
      • Manuals from the area of financial market operations
      • Manuals from the area of supervision
      • Manuals from the area of payment operations
      • Manuals from the area of vault operations
    • Circulars
    • Regulations on Government Securities
      • Primary Government Securities Market
      • Secondary Government Securities Market
    • Internal Regulation
      • Internal regulations in the field of corporate governance
  • Bank Resolution

Instructions for implementing the Decision on the contents and the manner of functioning of the Credit Registry - Unofficial revised text 

(Official Gazette of the Republic of Macedonia No. 14/14, 83/15, 225/15 and Official Gazette of the Republic of North Macedonia No. 116/19, 110/20, 70/23 and 156/24)

Download 

 

Instructions amending the Instructions for implementing the Decision on the contents and the manner of functioning of the Credit Registry 

(Official Gazette of the Republic of North Macedonia No. 156/24)

Download 

 

Instructions amending the Instructions for implementing the Decision on the contents and the manner of functioning of the Credit Registry

(Official Gazette of the Republic of North Macedonia No. 110/20)

Download 

 

Instructions amending the Instructions for implementing the Decision on the contents and the manner of functioning of the Credit Registry

(Official Gazette of the Republic of North Macedonia No. 116/19)

Download

 

Instructions amending the Instructions for implementing the Decision on the contents and the manner of functioning of the Credit Registry

(Official Gazette of the Republic of Macedonia No. 225/15)

Download

 

Instructions amending the Instructions for implementing the Decision on the contents and the manner of functioning of the Credit Registry

(Official Gazette of the Republic of Macedonia No. 83/15)

Download

 

Instructions for implementation of the Decision on the contents and the manner of functioning of the Credit Registry

(Official Gazette of the Republic of Macedonia No. 14/14)

Download

 

 

 

 

 

 

Home Supervision Legal Framework Credit Registry
  • Banking Supervision
  • Legal Framework
    • Licencing
    • Capital Adequacy
    • Credit risk
    • Liquidity risk
    • Currency risk
    • Other risks
    • Supervision and survaillance
    • Consumer Protection in Case of Consumer Loan Agreements
    • Credit Registry
    • Other Regulation
    • Supervisory Circulars
    • Accounting, Financial reporting, Disclosure and Audit
    • Capital Buffers
    • Macroprudential instruments
  • Banking System Indicators and Reports
  • Risk-based Supervision
  • Banking System of the Republic of North Macedonia
  • Organizational Structure of Supervision
  • New Capital Accord (Basel II and Basel III)
  • Innovation Gateway
  • Money Laundering and Terrorism Financing Prevention
  • A+
  • A-

{{Title}}

{{Intro}}
{{{Content}}}
{{#hasElements Images}}
{{#each Images}} {{#showInline ShowInGallery IsThumbNail}}
{{{dataImg this params="?width=886"}}}
{{/showInline}} {{/each}}
{{#each Images}} {{#showInline ShowInGallery IsThumbNail}}
{{{dataImg this params="?width=200&height=100"}}}
{{/showInline}} {{/each}}
{{/hasElements}}

INFLATION

  

EXCHANGE RATES

Counrty

Currency

MiddleRate MKD

EUR

More

EXCHANGE RATES

for the period: -

Counrty Code Currency Unit BuyingRate MiddleRate MKD SellingRate

NATIONAL BANK POLICY RATES

Monetary instrument
 Interest rate
Central Bank bills 

5,35%
Overnight loan 
 5,85%
Overnight deposit
 3,95%

7 days deposit facility

4,00%

  

Changes to the National Bank policy rate 

Bank's reserve requirements ratios

Liabilities with contractual maturity of up to 2 years:  


in domestic currency
8.0%
in domestic currency with FX clause
100%
in foreign currency
21%
Liabilities with contractual maturity of over 2 years:

in domestic currency
0%
in domestic currency with FX clause
100%
in foreign currency
5%
 


Financial market operations

Auctions of Central Bank bills
Auctions of government securities
Auctions of repo transactions


Reference rate for calculating the penalty interest rate 

5,55%    

SKIBOR
The official language of the documents translated herein is Macedonian. In case of any doubt or misunderstanding, the Macedonian version should therefore be considered final.

All rights reserved © 2017

Dear Sir/Madam, if you have any problem regarding access to the already published data, please contact the technical support telephone: ++ 389 2 3108 206. For other needs: ++ 389 2 3108 108 switch board | (contact).

National Bank of the Republic of North Macedonia
Follow us

  • home
  • contact
  • site map
  • web info
  • useful links
  • privacy policy
  • cookie policy
  • FAQ
  • social media news