Banks and Saving Houses Loans - Народна банка на Република Македониа.xls

Document Sample
Banks and Saving Houses Loans - Народна банка на Република Македониа.xls Powered By Docstoc
					National Bank of the Republic of Macedonia
Statistics Department
Monetary Statistics Division

                                                  1)
BANKS AND SAVING HOUSES' LOANS
                                                       Dec-03   Dec-04   Dec-05   Dec-06   Dec-07       Dec-08       Dec-092,4)   Jan-10    Feb-10    Mar-10    Apr-10    May-10    Jun-10    Jul-10       Aug-10       Sep-10       Oct-10       Nov-10

TOTAL LOANS                                            46644    58298    70524    92017    128071       172150        178196      178702    179611    180722    182662    183668    185258    186222       187728       188609       189365       190133
         in denars                                     39368    46901    53297    68442    97352        133679        139197      139660    139771    140391    141241    141366    141971    143432       144184       144577       145072       144779
           Short-term                                  15975    17200    17800    22121    32070         44469         44529       44518     44621     45084     45791     46018     46099     46151        46266        46238        46156        46161
                 in denars without FX clause               0        0        0        0        0             0           36400      36099     35654     36159     36519     36657     36529     36595        36926        36878        36671        36626
                 in denars with FX clause                  0        0        0        0        0             0            8130       8419      8967      8925      9272      9360      9570      9556         9340         9360         9485         9535
           Long-term                                   14347    20810    26065    36856    56324         78193         81155       80273     80265     80545     80346     79934     80684     81155        80648        81191        81733        82337
                 in denars without FX clause               0        0        0        0        0             0           28288      27841     27837     28200     28544     28906     29524     30007        29800        30386        31093        31804
                 in denars with FX clause                  0        0        0        0        0             0           52866      52433     52428     52345     51802     51028     51160     51149        50848        50805        50641        50533
           Accrued interest                              406      385      485      578      752          1027          1788        1913      1880      1874      1890      1921      1907      1941         1971         1933         1992         1971
           Doubtful and contested claims                8640     8506     8947     8887     8206          9990         11725       12954     13004     12889     13212     13494     13281     14185        15300        15217        15191        14310
         in foreign currency                            7276    11397    17227    23575    30719         38471         38998       39042     39840     40331     41421     42302     43287     42790        43544        44032        44292        45354
           Short-term                                   1863     3246     3360     4654     6734          9829          8558        8303      8441      8704      8781      8705      8510      8084         8246         7964         7957         8007
           Long-term                                    4016     6993    12684    17692    22695         27064         26226       26256     26899     26963     28062     28543     29551     29805        30491        31338        31444        32468
           Accrued interest                               33       45       44       76       88            96           216         234       245       249       231       249       258       253          278          301          273          276
           Doubtful and contested claims                1364     1113     1139     1153     1202          1482          3999        4249      4255      4414      4347      4805      4968      4647         4529         4430         4619         4603
   1     Other financial corporations                      46        0        3        6       52            30             72         87        88        88        87        83        66        67           64           62           80           62
         in denars                                         46        0        3        4       52           30              31        41        41        42        43        39        21         23          19           19           39           37
           Short-term                                      46        0        0        1        37           30              26        36        37        37        38        34        17         0            0            0           19           19
               in denars without FX clause                                                                                   23        23        23        23        24        20        16         0            0            0            0            0
               in denars with FX clause                                                                                       3        13        14        14        14        14         1         0            0            0           19           18
           Long-term                                        0        0        3        3        15               0            5         4         4         5         4         5         5        23           18           18           20           18
               in denars without FX clause                                                                                    0         0         0         0         0         1         0         0            0            0            2            0
               in denars with FX clause                                                                                       4         4         4         4         4         4         4        22           18           18           18           18
           Accrued interest                                 0        0        0        0            0            0            0         0         0         0         0         0         0         0            0            0            1            1
           Doubtful and contested claims                    0        0        0        0            0            0            0         0         0         0         0         0         0         0            0            0            0            0
         in foreign currency                                0        0        0        2        0                0          41        46        46        46        45        44        45         44          45           43           41           24
           Short-term                                       0        0        0        2            0            0            2         1         1         1         1         1         1         2            3            2            2            2
           Long-term                                                                                                         39        45        45        44        44        42        43        41           42           40           39           21
           Accrued interest                                                                                                   0         0         0         0         0         0         1         1            1            1            1            1
           Doubtful and contested claims                                                                                      0         0         0         0         0         0         0         0            0            0            0            0

   2     Nonfinancial Corporations (public and private) 36061   41681    47330    59253     77174       102338        106160      106763    107781    108586    110006    110304    111049    111788       112695       113204       113479       113973
         in denars                                     28965    30742    30853    37389    48813         68211         71025       71573     71765     72134     72619     72122     72025     73394        73632        73741        73877        73396
           Short-term                                   13777    14319    13747    15676     19914        28029          26888      26827     27077     27646     28344     28459     28634     28962        28969        28940        28883        28965
               in denars without FX clause                                                                               19128      18790     18506     19082     19439     19455     19394     19734        19934        19904        19733        19741
               in denars with FX clause                                                                                   7760       8036      8571      8564      8904      9004      9240      9228         9035         9036         9150         9224
           Long-term                                     6919     8691     9330    14136     22495        33280          37308      36833     36762     36772     36284     35740     35743     35997        35287        35652        35818        35983
               in denars without FX clause                                                                               11400      11189     11083     11208     11143     11168     11237     11194        10665        10979        11374        11855
               in denars with FX clause                                                                                  25909      25644     25679     25563     25141     24572     24505     24803        24622        24673        24445        24128
           Accrued interest                               313      253      280      334       420          567            529        596       596       565       572       572       542       560          559          525          565          565
           Doubtful and contested claims                 7956     7479     7496     7243      5984         6335           6300       7318      7331      7152      7420      7352      7107      7876         8816         8625         8610         7883
         in foreign currency                            7096    10939    16477    21864    28361         34127         35135       35190     36016     36452     37387     38181     39025     38394        39064        39463        39602        40577
           Short-term                                    1800     3180     3318     4612      6697         9782           8530       8274      8409      8671      8746      8667      8478      8046         8211         7927         7918         7970
           Long-term                                     3917     6616    12000    16056     20468        23014          22851      22899     23555     23577     24531     24937     25931     26088        26698        27469        27448        28343
           Accrued interest                                33       45       44       76        88           96            187        204       221       226       210       228       237       232          256          278          249          252
           Doubtful and contested claims                 1346     1098     1115     1120      1108         1235           3567       3813      3831      3978      3900      4350      4378      4028         3898         3789         3987         4012
2.1.     Public Nonfinancial Corporations                485      682      517      363       315          133            431        424       417       426       420       461       448       433          431          433          427          417
         in denars                                       458      677      517      363       315          133              33        33        32        31        25        23        18         13          12           11           10           10
           Short-term                                     183      192      205       36        20           30              21        22        21        21        16        16        12            5            4            3            3            3
               in denars without FX clause                                                                                    5         6         6         7         5         5         5            5            4            3            3            3
               in denars with FX clause                                                                                      15        15        15        15        11        11         7            0            0            0            0            0
           Long-term                                      275      485      312      327       295          103              12        11        11         9         9         7         7            8            7            7            7            7
               in denars without FX clause                                                                                   12        11        11         9         9         7         7            7            7            7            6            7
               in denars with FX clause                                                                                       0         0         0         0         0         0         0            0            0            0            0            0
           Accrued interest                                 0        0        0        0            0            0            0         0         0         0         0         0         0            0            0            0            0            0
           Doubtful and contested claims                    0        0        0        0            0            0            0         0         0         0         0         0         0            0            0            0            0            0
         in foreign currency                               27        5        0        0        0                0        398        391       386       395       395       437       430       421          419          422          416          407
           Short-term                                      27        5        0        0            0            0           0          1         0         1         0         1         2         1            6            6            4            4
           Long-term                                                                                                       397        390       384       392       394       434       426       418          412          415          411          402
           Accrued interest                                                                                                  1          1         2         1         1         1         1         1            1            1            1            1
           Doubtful and contested claims                                                                                     0          0         0         0         0         0         0         0            0            0            0            0

2.2.     Other Nonfinancial Corporations (private)     35576    40999    46813    58890     76859       102205        105729      106339    107364    108161    109586    109843    110601    111355       112264       112771       113052       113556
         in denars                                     28507    30065    30336    37026    48498         68078         70993       71540     71734     72103     72594     72099     72006     73382        73620        73731        73866        73386
           Short-term                                   13594    14127    13542    15640     19894        27999          26867      26805     27056     27625     28328     28443     28622     28957        28965        28936        28880        28962
               in denars without      FX clause                                                                          19123      18784     18500     19076     19434     19450     19389     19729        19930        19900        19730        19738
               in denars with FX      clause                                                                              7744       8021      8556      8549      8894      8993      9234      9228         9035         9036         9150         9224
           Long-term                                     6644     8206     9018    13809     22200        33177          37297      36822     36751     36762     36275     35732     35736     35989        35279        35645        35812        35976
               in denars without      FX clause                                                                          11388      11178     11072     11199     11134     11161     11231     11187        10658        10972        11367        11848
               in denars with FX      clause                                                                             25909      25644     25679     25563     25141     24572     24505     24803        24622        24673        24444        24128
           Accrued interest                               313      253      280      334       420          567            528        595       596       564       572       571       541       559          559          525          565          565
                                                                                                                                                            2,4)
                                                                                      Dec-03      Dec-04   Dec-05   Dec-06   Dec-07       Dec-08       Dec-09        Jan-10       Feb-10       Mar-10       Apr-10       May-10       Jun-10       Jul-10       Aug-10       Sep-10       Oct-10       Nov-10

TOTAL LOANS                                                                            46644      58298    70524    92017    128071       172150        178196       178702       179611       180722       182662       183668       185258       186222       187728       188609       189365       190133
            in denars                                                                 39368       46901    53297    68442    97352        133679        139197       139660       139771       140391       141241       141366       141971       143432       144184       144577       145072       144779
               Doubtful and contested claims                                              7956      7479     7496     7243      5984         6335          6300         7318         7331         7152         7420         7352         7107         7876         8816         8625         8610         7883
            in foreign currency                                                         7069      10934    16477    21864    28361         34127         34737        34798        35630        36057        36992        37744        38595        37973        38644        39041        39186        40170
             Short-term                                                                   1773      3175     3318     4612      6697         9782          8530         8273         8409         8670         8746         8665         8476         8045         8205         7921         7915         7966
             Long-term                                                                    3917      6616    12000    16056     20468        23014         22454        22509        23172        23185        24137        24502        25505        25670        26286        27054        27036        27941
             Accrued interest                                                               33        45       44       76        88           96           186          202          219          225          208          226          235          230          255          277          248          251
             Doubtful and contested claims                                                1346      1098     1115     1120      1108         1235          3567         3813         3831         3978         3900         4350         4378         4028         3898         3789         3987         4012
      3     Other Resident Sector                                                      10535      16597    23178    32758     50845        69758         71944        71831        71722        72029        72550        73263        74125        74349        74952        75327        75790        76083
            in denars                                                                 10355       16139    22428    31049    48487         65414         68121        68025        67945        68196        68561        69186        69908        69997        70517        70801        71141        71330
               Short-term                                                                 2150      2861     4040     6444     12119        16410         17615        17655        17507        17400        17409        17524        17448        17188        17296        17297        17254        17176
                   in denars without FX clause                                                                                                            17249        17285        17125        17053        17055        17181        17120        16860        16992        16974        16937        16884
                   in denars with FX clause                                                                                                                 367          370          382          347          354          343          329          329          304          323          317          293
               Long-term                                                                  7428     12119    16732    22717     33814        44889         43822        43417        43481        43751        44040        44172        44920        45119        45327        45505        45880        46321
                   in denars without FX clause                                                                                                            16869        16633        16736        16973        17383        17720        18270        18796        19119        19391        19702        19934
                   in denars with FX clause                                                                                                               26953        26784        26744        26778        26657        26452        26650        26323        26208        26114        26178        26387
               Accrued interest                                                             93       132      205      244       332          460          1259         1317         1283         1309         1318         1349         1365         1381         1411         1408         1426         1405
               Doubtful and contested claims                                               684      1027     1451     1644      2222         3655          5424         5636         5674         5737         5793         6142         6174         6309         6483         6591         6581         6427
            in foreign currency                                                           180       458      750     1709      2358         4344          3823         3806         3778         3833         3990         4076         4218         4352         4435         4526         4649         4753
               Short-term                                                                    63       66       42       40        37           47            26           29           31           32           35           37           31           36           32           35           37           35
               Long-term                                                                     99      377      684     1636      2227         4050          3337         3312         3298         3342         3488         3565         3577         3676         3751         3828         3958         4104
               Accrued interest                                                               0        0        0        0         0            0            28           30           24           23           21           21           20           21           21           21           23           23
               Doubtful and contested claims                                                 18       15       24       33        94          247           432          436          425          436          447          454          590          619          631          641          631          591

            Households (Individuals and Self-Employed
3.1.        Individuals)                                                               10363      16480    23125    32709     50629        69460         71859        71749        71648        71935        72452        73169        74001        74247        74840        75221        75694        75997
            in denars                                                                 10342       16121    22384    31002    48287         65132         68048        67954        67881        68113        68473        69103        69793        69914        70424        70714        71063        71257
               Short-term                                                                 2141      2856     4038     6439     12112        16345         17586        17634        17487        17380        17392        17505        17438        17180        17284        17282        17247        17173
                   in denars without FX clause                                                                                                            17238        17275        17116        17043        17048        17173        17112        16855        16982        16962        16931        16881
                   in denars with FX clause                                                                                                                 348          359          372          337          344          332          325          325          302          320          316          292
               Long-term                                                                  7428     12110    16725    22711     33793        44877         43779        43368        43438        43689        43972        44113        44822        45050        45252        45438        45814        46257
                   in denars without FX clause                                                                                                            16857        16621        16724        16961        17364        17710        18259        18783        19107        19379        19690        19922
                   in denars with FX clause                                                                                                               26923        26747        26714        26728        26608        26403        26563        26267        26145        26060        26124        26335
               Accrued interest                                                             93       132      205      244       332          460          1258         1316         1283         1308         1317         1348         1364         1380         1410         1407         1426         1405
               Doubtful and contested claims                                               680      1023     1416     1608      2050         3450          5424         5636         5673         5736         5792         6137         6169         6304         6478         6586         6576         6423
            in foreign currency                                                             21      359      741     1707      2342         4328          3811         3795         3767         3822         3979         4066         4208         4333         4416         4507         4631         4740
               Short-term                                                                     0       46       41       39        37           47            26           29           31           31           35           36           31           35           31           35           37           35
               Long-term                                                                      3      298      676     1636      2212         4036          3325         3301         3287         3331         3477         3555         3568         3658         3733         3810         3941         4092
               Accrued interest                                                               0        0        0        0         0            0            28           29           24           23           21           21           20           21           21           21           23           23
               Doubtful and contested claims                                                 18       15       24       32        93          245           432          436          425          436          447          454          589          619          631          641          631          590


3.2.        Nonprofit institutions serving households                                     172        117       53       49      216          298                85        82           75           94           98           94          124          102         112          106            96           86
            in denars                                                                       13        18       44       47      200          282                73       71           63           83           88           83          114            83          93           88           78           73
               Short-term                                                                     9        5        2        5            7        65               29        21           20           20           18           19           11            9           12           15            7            3
                   in denars without FX clause                                                                                                                  11        10            9           10            7            8            7            5           10           12            6            3
                   in denars with FX clause                                                                                                                     18        10           10           10           10           10            4            3            2            3            0            0
               Long-term                                                                      0        9        7        6        21           12               43        49           43           61           68           59           98           69           75           67           66           65
                   in denars without FX clause                                                                                                                  13        12           12           12           19           10           10           13           13           12           12           12
                   in denars with FX clause                                                                                                                     30        37           30           49           49           49           87           56           62           54           54           52
               Accrued interest                                                               0        0        0        0         0            0                1         1            1            1            1            1            1            1            1            1            1            1
               Doubtful and contested claims                                                  4        4       35       36       172          205                1         1            1            1            1            5            5            5            5            5            5            5
            in foreign currency                                                           159         99        9        2       16           16                12       11           11           11           11           11           10            19          19           19           18           13
              Short-term                                                                     63       20        1        1         0            0                0         0            0            0            0            0            0            0            0            0            0            0
              Long-term                                                                      96       79        8        0        15           14               11        11           11           11           11           10            9           19           18           18           18           12
              Accrued interest                                                                0        0        0        0         0            0                0         0            0            0            0            0            0            0            0            0            0            0
              Doubtful and contested claims                                                   0        0        0        1         1            2                0         0            0            0            0            0            0            0            0            0            0            0
     4      Local Government                                                                  2       20       13        0         0           24               20        20           20           19           18           18           17           18           17           16           16           15
            in denars                                                                        2        20       13        0        0           24                20       20           20           19           18           18           17            18          17           16           16           15
               Short-term                                                                     2       20       13        0            0            0             0         0            0            0            0            1            1            1            0            0            0            0
                   in denars without FX clause                                                                                                                   0         0            0            0            0            1            1            1            0            0            0            0
                   in denars with FX clause                                                                                                                      0         0            0            0            0            0            0            0            0            0            0            0
               Long-term                                                                      0        0        0        0            0        24               19        19           18           18           18           17           17           16           16           16           15           15
                   in denars without FX clause                                                                                                                  19        19           18           18           18           17           17           16           16           16           15           15
                   in denars with FX clause                                                                                                                      0         0            0            0            0            0            0            0            0            0            0            0
               Accrued interest                                                               0        0        0        0            0            0             1         1            1            0            0            0            0            0            0            0            0            0
               Doubtful and contested claims                                                  0        0        0        0            0            0             0         0            0            0            0            0            0            0            0            0            0            0
            in foreign currency                                                              0         0        0        0        0                0             0            0            0        0                0        0                0            0        0                0            0        0
               Short-term                                                                                                                                        0            0            0            0            0            0            0            0            0            0            0            0
               Long-term                                                                                                                                         0            0            0            0            0            0            0            0            0            0            0            0
               Accrued interest                                                                                                                                  0            0            0            0            0            0            0            0            0            0            0            0
               Doubtful and contested claims                                                                                                                     0            0            0            0            0            0            0            0            0            0            0            0
1)   Preliminary data
2)   Data in accrodance with the final balance sheets submission
3)   Starting from January 2009 the data are compiled based on the New Banks' Chart of accounts
4)   Data revised based on final balance sheet submission
National Bank of the Republic of Macedonia
Statistics Department
Monetary Statistics Division



BANKS' LOANS GRANTED TO HOUSEHOLDS1)
(In millions of denars)
                                                                                                                      LOANS GRANTED IN DENARS
                                                                  SELF-EMPLOYED INDIVIDUALS                                                                         INDIVIDUALS                                                                                SELF-
                  TOTAL LOANS
                                       TOTAL                                          Doubtful and                                              Lending                                                 Doubtful and                TOTAL
                                         (in                                           contested      Accrued                                  for house                  Credit                Other    contested     Accrued    (in foreign
  Period                               denars)       Total      Loans      Overdrafts    claims       interest    Total       Consumer loans   purchase    Auto loans     cards    Overdrafts   loans      claims      interest    currency)       Total
                      1=2+17             2=3+8     3= ∑(4:7)       4            5                6       7       8= ∑(9:16)         9             10           11          12         13         14          15          16        17=18+23     18= ∑(19:22)



 XII.092)             69230            65419        3910        3582            7               213    108       61509           21027          12365        3514        13695       3676       1210       4938         1085        3811            48


    I.10              69137            65342        3889        3559            4               216    110       61453           20734          12343        3495        13584       3813       1207       5137         1139        3795            47


   II.10              69070            65304        3862        3525            4               224    109       61442           20736          12493        3489        13437       3805       1198       5173         1113        3766            45


  III.10              69368            65546        3857        3503            5               237    112       61689           20886          12612        3462        13397       3776       1201       5219         1137        3822            73


   IV.10              69879            65900        3767        3414            5               240    108       62133           21119          12754        3450        13388       3812       1189       5270         1150        3979           111


   V.10               70612            66546        3688        3323            4               250    111       62858           21338          12833        3417        13263       4044       1203       5583         1177        4066           140


   VI.10              71462            67254        3605        3236            5               254    111       63648           21890          13046        3432        13167       4085       1227       5610         1193        4208           189


  VII.10              71713            67381        3507        3136            5               252    114       63874           22194          13123        3373        13091       3907       1240       5740         1206        4333           217


 VIII.10              72332            67916        3418        3040            5               257    116       64498           22401          13215        3326        13012       4121       1285       5904         1234        4416           238


   IX.10              72721            68214        3349        2969            5               259    116       64864           22758          13174        3293        13020       4124       1343       5922         1231        4507           270


   X.10               73204            68573        3293        2899            5               270    119       65280           23056          13312        3248        12945       4170       1407       5897         1245        4631           323


   XI.10              73536            68796        3234        2842            5               267    119       65562           23326          13500        3207        12857       4225       1483       5739         1225        4740           377
1) Preliminary data
2) Data in accrodance with the final balance sheets submission
3) Starting from January 2009 the data are compiled based on the New Banks' Chart of accounts
                                         LOANS GRANTED IN FOREIGN CURRENCY
SELF-EMPLOYED INDIVIDUALS                                                                           INDIVIDUALS


                   Doubtful and                                             Lending                                                    Doubtful and
                    contested     Accrued                                  for house                    Credit                 Other    contested     Accrued
Loans   Overdrafts    claims      interest      Total       Consumer loans purchase    Auto loans       cards     Overdrafts   loans      claims      interest
 19        20           21          22       23= ∑(24:31)         24          25           26            27          28         29          30          31




 40         0           5            3         3763              921         1662         560             5           0        163         427          26


 40         0           4            3         3748              901         1666         550             6           0        166         432          27


 39         0           4            2         3721              887         1674         539             5           0        174         421          21


 66         0           4            3         3749              900         1688         521             5           0        183         432          20


106         0           4            1         3868              904         1722         512             7           0        260         442          20


134         0           5            1         3926              918         1736         500             5           0        297         449          20


183         0           5            1         4019              882         1735         466             5           0        328         585          19


210         0           5            2         4115              904         1775         450             5           0        350         614          19


231         0           5            2         4178              916         1795         437             5           0        380         626          20


263         0           5            2         4237              916         1846         423             6           0        390         636          19


316         0           5            3         4308              918         1904         416             5           0        418         626          20


369         0           5            3         4363              942         1938         410             5           0        464         585          20

				
DOCUMENT INFO