North Macedonia: Depositors with commercial banks (per 1,000 adults)

Key figures

What the numbers say

In 2023, North Macedonia's depositors with commercial banks (per 1,000 adults) rose 15.16 on 2022 (from 1,238 to 1,253).

Across the 15 yearly changes before that (2008 to 2022), the average change was +39.25 and a typical year strayed about 39.89 from that (the standard deviation). This year's change was 0.6 standard deviations below that average, so it was an ordinary year: it sits within the range of normal year-to-year movement.

On record, the biggest yearly rise was 167.63 in 2008. The numbers show how large and when, not why; for the cause, look at what happened in that country in those years.

From 2014 to 2023 the straight-line trend is upward, about 21.55 a year. A straight line explains 99% of the movement over 10 observed years.

Worked out from the yearly values above. How the checks work: standard deviation, z-scores and straight-line trends.

A straight-line projection, tested first

Extending that straight line gives about 1,324 for 2026. We show this only because the same method, fitted on earlier years, predicted 2021 to 2023 better than "no change" would have: its average miss was 8.46, against 38.52 for assuming no change. Treat it as a continuation of the recent pattern, not a forecast of events: it cannot see a recession, a policy change or a revision to the data.

See how a linear trend forecast works and the guide on forecasting without fooling yourself.

Closest to North Macedonia in the 2023 ranking

• United Arab Emirates — 1st of 5: 1,395
• Timor-Leste — 3rd of 5: 648.76
• Burkina Faso — 4th of 5: 234.52
• Niger — 5th of 5: 72.24

What this measures

Depositors with commercial banks are the reported number of deposit account holders, including both resident non-financial corporations (both public and private) and individuals from the household sector, at commercial banks within the reporting jurisdiction for every 1,000 adults. The major types of deposits are checking accounts, savings accounts, and time deposits.

Limitations: For many countries data cover the total number of deposit accounts due to lack of information on account holders.

Regional and income-group figures are computed by the World Bank as a median.

All 17 values

Depositors with commercial banks (per 1,000 adults) in nearby economies

• Azerbaijan — 1,949 (2024)
• Croatia — 1,545 (2024)
• Cyprus — 1,288 (2024)
• Estonia — 2,150 (2024)
• Georgia — 1,091 (2024)
• Hungary — 1,263 (2024)
• Italy — 773.04 (2024)
• Kyrgyz Republic — 1,799 (2024)
• Latvia — 1,275 (2024)
• Moldova

More financial sector data for North Macedonia

• GDP deflator (base year varies by country) — 198.34 (2025)
• GDP deflator, linked series (base year varies by country) — 198.34 (2025)
• DEC alternative conversion factor (LCU per US$) — US$54.65 (2025)
• Inflation, GDP deflator (annual % growth) — 4.63% (2025)
• Inflation, GDP deflator, linked series (annual % growth) — 4.63% (2025)
• Domestic credit to private sector by banks (% of GDP) — 53.3% (2025)
• Net domestic credit (current LCU) — 655.53 billion (2025)
• Net foreign assets (current LCU) — 276.97 billion (2025)
• Monetary sector credit to private sector (% of GDP)

Reading data like this

• Where to find free public data, and how to check it before you trust it — 2 min read
• Data analysis examples: 6 worked from one dataset — 3 min read
• Real change or random noise? A plain guide to reading your numbers — 2 min read

Questions people ask

What is North Macedonia's depositors with commercial banks (per 1,000 adults)?

1,253 in 2023, according to the World Bank (World Development Indicators).

How has it changed since 2007?

It is up 93.04% from 649 in 2007 (4.2% a year on average, compounded). The highest value was 1,253 in 2023 and the lowest 649 in 2007.

Is the latest change in depositors with commercial banks (per 1,000 adults) unusual for North Macedonia?

Source

World Bank, World Development Indicators, indicator FB.CBK.DPTR.P3, licensed CC BY 4.0. Original source: Financial Access Survey, International Monetary Fund (IMF), uri: https://data.imf.org/en/datasets/IMF.STA:FAS Figures are fetched from the World Bank API and refreshed monthly; see the series on data.worldbank.org. The full definition and method are in the World Bank's metadata glossary. Comparisons use the same World Bank release.

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