At the end of December 2014, every Macedonian citizen kept in banks 1,655 euros and owed banks 870 euros on average, according to the statistics of the National Bank of Macedonia. At the end of last year all credits that Macedonian banks had approved totaled 4.15 billion euros, some 80 percent of which were in denars and the rest in foreign currencies. 1.7 billion euros of that amount were credits approved to private persons.

The high credit growth that stood at 9 percent at the end of last year is expected to continue this year too. Credit interest rates for private persons, who most frequently take housing and consumer credits, were lower in December 2014 than in January 2014.

However, according to National Bank Governor Dimitar Bogov, the low interest rates are not expected to climb down any further. Households and companies keep deposits in banks and savings banks of 4.6 billion euros, 60 percent of which are in denars and the rest in foreign currencies, mostly euros. Citizens keep 3.3 billion euros in banks as time and sight deposits.