The Public Ledger

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Money & credit

Money supply, bank credit and interest rates, published statistics from MMA, in millions of MVR. "Net claims on central government" is what the banking system, including the central bank, has lent the state, net of the state's own deposits. Bank soundness, financial access and insurance are on their own pages.

Broad money (M2)
MVR 78.45 bn
total money supply, May 2026
Credit to private sector
MVR 40.11 bn
businesses & households
Net credit to government
MVR 53.24 bn
133% of private-sector credit
Dollarization ratio
42%
deposits held in foreign currency, May 2026

Credit: government vs the private sector

Millions of MVR. When the government line runs above the private-sector line, the banking system is lending more to the state than to all businesses and households combined.

0 m13.98 bn27.95 bn41.93 bn55.91 bn202420252026
Net claims on governmentClaims on private sector

Broad money (M2)

Millions of MVR. The total stock of money in the economy: cash plus deposits.

0 m20.59 bn41.18 bn61.78 bn82.37 bn202420252026
Broad money (M2)

Dollarization

Share of bank deposits held in foreign currency (%). A rising ratio signals weaker confidence in holding rufiyaa.

0.0%12.1%24.1%36.2%48.3%202420252026
Dollarization ratio

Where bank credit goes

Outstanding bank loans to the private sector by economic activity (table 7.9): which parts of the economy the banking system funds.

Outstanding loans as at May 2026, millions of MVR; share of the total loan book at right.

Tourism MVR 12.61 bn · 32%
Personal loans MVR 8.96 bn · 23%
Construction MVR 8.70 bn · 22%
Real estate MVR 3.49 bn · 9%
Commerce MVR 3.13 bn · 8%
Other / unclassified MVR 1.66 bn · 4%
Transport & communication MVR 541 m · 1%
Fishing MVR 238 m · 1%
Manufacturing MVR 65 m · 0%
Electricity, gas & water MVR 27 m · 0%
Agriculture MVR 12 m · 0%

The monetary base

MMA's own balance sheet (table 7.1): the base money the central bank creates, distinct from the whole-system money supply above.

Monetary base i
MVR 12.64 bn
Jun 2026
Currency in circulation
MVR 5.08 bn
Jun 2026
Bank reserves held at MMA
MVR 7.57 bn
Jun 2026
Government deposits at MMA i
MVR 927 m
Jun 2026

What the monetary base is made of

Millions of MVR. Currency in circulation plus the reserves banks are required to hold at MMA, together making up the base money the central bank creates.

0 m2.29 bn4.59 bn6.88 bn9.17 bn202420252026
Currency in circulationBank reserves at MMA

Beyond the banks

The banking system isn't the whole financial system. The pension fund, insurers and finance companies add to both money supply and private credit (tables 7.5 and 7.11).

Deposits, whole financial system i
MVR 70.11 bn
May 2026
Total private credit, all lenders i
MVR 51.92 bn
May 2026 · MVR 11.81 bn (23%) from non-bank lenders

Bank deposits vs. the whole financial system

Millions of MVR. The gap is deposits held at the pension fund, insurers and other non-bank financial corporations.

0 m20.59 bn41.18 bn61.78 bn82.37 bn202420252026
Whole financial systemBanks only (M2)

Who holds the country's net foreign assets

Millions of MVR, 2026-05. Net foreign assets by type of institution. A negative value means foreign liabilities exceed foreign assets.

Central bank (MMA) MVR 5.47 bn
Banks MVR -116 m
Other financial corp. MVR 371 m

Deposits by currency

Behind the single dollarization ratio (table 7.7): how bank deposits actually split by currency and type.

Deposits, by currency and type

Millions of MVR, 2026-05. Transferable deposits are current/checking accounts; term & other includes savings and fixed deposits.

MVR (transferable) MVR 26.48 bn · 36%
Foreign currency (transferable) MVR 23.46 bn · 32%
MVR (term & other) MVR 14.90 bn · 20%
Foreign currency (term & other) MVR 9.26 bn · 13%

Rufiyaa vs. foreign-currency deposits

Millions of MVR, transferable plus term & other combined.

0 m10.86 bn21.73 bn32.59 bn43.45 bn202420252026
MVR depositsForeign-currency deposits

What borrowing costs

Key policy and market interest rates (table 8): the price of money for savers, the government and private borrowers.

Key interest rates

Monthly, percent per annum, as published (Table 8).

0.0%3.1%6.2%9.2%12.3%202420252026
Standing Deposit FacilityStanding Lending FacilityT-bill (28-day)Bank lending, pvt. sector