In this paper, a multivariate analysis of the computer statistics, i.e. the Cluster analysis of the banking system … Ward's linkage method are presented. The main idea is to find out whether the level of banking system concentration and … degree of financial intermediation in banking system of North Macedonia is similar or closer to any of the EU Member States …

influenced by bank size and market share, and to a somewhat lesser extent by deposit rates and non-performing loans. In addition …. Furthermore, bank size and market share, as well as the differential between domestic and foreign rates, are the most important …