Best retail bank: NLB Banka
NLB Banka delivered strong retail balance sheet growth alongside accelerating digital adoption in North Macedonia in 2025, driving higher customer usage and improved efficiency.
Retail lending expanded by 14%, supported by growth in housing loans of 16% and consumer loans of 14%, while retail deposits rose by 13%. This expansion was reflected in absolute balance sheet growth, with loans to customers increasing by more than MKD18 billion ($334 million) year-on-year, while customer deposits rose by nearly MKD15 billion.
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