Banking Companies in Macedonia

"Pillars"​ of the ABIT: 1. PROFESSIONAL SEMINARS AND TRAINING 2. Professional magazine "e-Banker"​ 3. II semester specialist Programs with EKTS Mission We aim to create a modern concept of expert education and to set new professional standards of education in the two most respected and strongly related industries in the world: BANKING and INFORMATION TECHNOLOGY OBJECTIVES To promote financial education and increase the level of financial literacy among the population of R.M.; To help, through specialized training and education, the areas of banking, accounting, information technology and entrepreneurship. To develop the Information Science and Information Technology in the Republic of Macedonia Promotion of national and international collaboration with universities, colleges, institutes, academies and other informal educational institutions. To promote entrepreneurship as a modern business philosophy and to develop a philosophy of private and public, commercial and noncommercial enterprises. To help develop publishing as a branch in order to provide easy access to information for the public, and improve on scientific thought. To help the population get involved in regional projects and with the use of European and other international funds. To create continuous, creative intelligence that will guide and stimulate all individuals in order to create success (according to the principles of Napoleon Hill). To recruit, promote and develop quality human resources by developing voluntary practice. Our activities are categorized in the annual work program, that is: 1. Open seminars for the financial sector; 2. In-house seminars; 3. Seminars for businesses; 4. ABIT Cup (Simulation of banking operations and IT); 5. Open seminars for the public sector; 6. School for Accounting and Finance; 7. School of Banking; 8. School for Information Technologies; 9. School for Entrepreneurship and Success 10. Euro Business Consulting (EBC)

Stopanska banka AD - Skopje (SB) is a member of the National Bank of Greece - largest SEE banking group. SB is the Bank with the longest tradition on the Macedonian market. Founded as the first bank in Macedonia in 1944 Stopanska banka set the foundations of banking and is still the leader in the development and implementation of the most sophisticated financial products and services for the retail and corporate segment operation in Macedonia. At the beginning of year 2000 SB managing package of shares was purchased by National Bank of Greece Group – the largest SEE banking group. With this significant step, the Bank ensured its continuing growth and development into a successful company according to the world banking standards. After the entrance of NBG, SB strengthened its competitive advantage through intensive restructuring. The Bank introduced a sophisticated Information System and a new organizational structure, it cleaned its credit portfolio, introduced standardized procedures for credit decisions, risk management and supply management, it improved the employee structure and became the leading company in the country in corporate management. Today, SB in a Bank with the biggest number of clients in the retail and corporate segment, Bank with the most developed network, largest portfolio of lending and deposit products and a Bank with the biggest assets.

ProCredit Bank is a development-oriented commercial bank. We offer excellent customer service to small and medium enterprises and to private individuals. In our operations, we adhere to a number of core principles: We value transparency in our communication with our customers, we strive to minimise our ecological footprint, and we provide services which are based both on an understanding of each client’s situation and on a sound financial analysis.

Bank Different. Bank Unique. Bank UniBank. Since 1870 Member FDIC. Equal Housing Lender. NMLS# 583135 www.unibank.com

Развојна банка на Северна Македонија АД Скопје е единствената развојна банка во Република Северна Македонија основана со посебен Закон за основање на Македонска банка за поддршка на развојот на 21. мај 1998 година (Сл. весник на РМ бр. 24/98, 6/2000, 109/2005 и 130/2008). Во 2009 година е донесен новиот Закон за МБПР (Сл. весник на РМ бр. 105/2009), а во 2021 година е направена измена и дополнување на законот (Сл. весник на РСМ бр.77/2021) со цел подобрување на нејзината позиција и специфична улога на развојна банка во банкарскиот сектор и во стопанството на РСМ. РБСМ е развојна и извозна банка чија што стратешка цел е да го поддржува и поттикнува развојот на македонското стопанство преку кредитирање на мали и средни претпријатија и извозни компании. Банката работи во согласност со стратешките политики, цели и приоритети на РСМ под надзор на Министерството за финансии и во согласност со банкарската регулатива под супервизија на Народната банка на РСМ. За своите обврски РБСМ одговара со целиот свој имот, а РСМ гарантира за обврските на Банката. Активности на РБСМ финансирање на развојот на македонското стопанство, финансирање на инфраструктурата, поддршка на развојот на малите и средни претпријатија во РСМ, поттикнување на извозот, поттикнување на заштита на животната средина, осигурување на извозот на македонски производи и услуги од комерцијални и политички ризици. поддршка на регионалниот развој Сопственост РБСМ е акционерско друштво чиј основач и 100% -тен сопственик е Република Северна Македонија. Вработени 39 вработени на ден 31.12.2020 година.

Postenska Banka a.d. Skopje provides the following services: - all kinds of cash deposits for legal entities and individuals - loans - payment cards - leasing - payment system in the country, according the law - economic-financial consulting - providing services concerning invoice payments - other financial services (safe deposit boxes rental and other) - issuing denar money guarantees and other forms of guarantees - buying and selling of short-term value papers - buying, selling and charging - calculation and control of payments and withdrawals of the postal and telegraph receipts in the internal payment system. - international receipt, postal – current account, postal - savings and other services - charging equities in other countries, according the act of the World Postal Alliance for charging equities - issuing and transactions with payment cards - The payment system in the country is executed trough 320 branches with 620 tellers, trained to perform financial transactions. The Post Office tellers are connected trough a computer network, and are equipped with sophisticated equipment for executing teller transactions.

Komercijalna Banka AD Skopje, is a bank with a rich tradition, as well as a key partner of the companies and a pillar of confidence for the citizens of our country. Accountability, transparency, efficiency, innovation and a strong domestic and international reputation are the values that make Komercijalna Banka traditionally the client’s first choice. As a universal bank, it offers a wide range of banking services, from collecting deposits, providing loans to legal entities and individuals, issuing bank cards, providing international and domestic payment operations services, offering digital and mobile banking, mediation in purchases of foreign currency, securities, forfeiting, etc. Together with Komercijalna Banka, most of the companies in the country can rely on a steadyroad to success, because through the years of its development, the Bank has managed to create and still creates new values, opens connections to the world and has built up a highly professional team of experts. At the same time, the Bank is equally devoted to the manner in which it develops and offers its products and services to individuals, taking into account ethical standards and establishing a relationship of trust. Through the widespread network of branches and city-branches across the country, Komercijalna Banka offers a wide range of traditional and digital products and services to individuals and companies in response to everything vital to their personal and corporate finances. For the purpose of performing fast and efficient international services for its clients, the Bank has established correspondent banking relations with 465 banks in 70 countries. The Bank also focuses on community values. Through continuous financial support of culture, sports, and society in general, Komercijalna Banka creates a better world and a healthier and cleaner living environment for all.

Halkbank AD Skopje is a steadily growing brand which operates with a global vision through innovative products and services. The Bank was established on 15.03.1993 as a joint stock company to perform universal banking operations in the Republic of Macedonia, including deposit collection, corporate and retail lending, foreign exchange operations, domestic and foreign payments, trading of fixed income instruments, and trade finance. Innovation in new products and services is one of Halkbank’s strongest features. Being the first down scaling bank, creating products and services for micro clients made Halkbank AD Skopje the leader in broadening the vision of the banking system in Macedonia. Wanting to get closer and provide fast and affordable service to its clients, Halkbank AD Skopje established the principal of multi functional branch efficiency and became the first bank that changed the mode of operating from product oriented to client oriented. Focusing up front on four areas: strategy, organizational structure, branch efficiency and sales process, has made Halkbank AD Skopje the first bank that reoriented its servicing process from teller to seller Halkbank AD Skopje is using a marketing approach which is generating more satisfied clients by introducing the principal of client relationship, building firm and long lasting relationship with its clients. The Bank has a wide national and international network consisted of 45 operating branches in Macedonia and correspondent relationships with many foreign banks. Halkbank AD Skopje has a significant reputation and recognition as a reliable, customer oriented, innovative and growing bank on the Macedonian market. The image of the bank is being fulfilled by the perception of a company that is, as well, social and Eco- responsible. Since its presence in Macedonia, Halkbank AD Skopje has constantly given its support to many socially concerned segments, sports, culture and environment.

Здружението за остварување на заеднички интереси на банките и унапредување на нивното работење – МАКЕДОНСКА БАНКАРСКА АСОЦИЈАЦИЈА – Скопје, регистрирано e во Централниот регистар на 30.4.2018 година, а нејзини основачи се сите банки и штедилници во државата. --- MACEDONIAN BANKING ASSOCIATION was registered in the Central Register on 30.4.2018 and its founders are all banks and savings houses in the Republic of North Macedonia.

NLB Banka Skopje is a leading banking institution in the Republic of Macedonia, with a permanent uptrend of growth and positive results, since its establishment to date. The Bank belongs to the group of large banks and, according to its net assets, it is the third largest banking institution in the Republic of Macedonia. The success of NLB Banka is due to the implementation of standards of high quality in its operation, the modern IT infrastructure, its successful market strategy, as well as its professional management, reinforced by the NLB brand.

Capital Bank is a bank specialized for the offer of banking services with micro, small and medium-sized companies, offer of portfolio card products, public financing, corporate financing and financing of real estate, financial operations, retail banking, deposit operations, domestic and international payment operations, private and electronic banking. The bank functions as a center of competences in the offer of client solutions at the highest level for small, micro and medium-sized enterprises, corporations, municipalities and public-private projects through a combination of tailor-made financial products and appropriate financial consulting. Our unique market positioning is built as a result of the membership in Alfa Finance Holding, leading European financial group in Southeast Europe which aims to reach a leading position in the Macedonian market, simultaneously preserving the feeling of local values.

Silk Road Bank is a medium sized Macedonian bank serving the Macedonian market with retail savings and transaction products and using the collected funds to finance housing loans and businesses domestically. As a strategy the bank is currently expanding its international and trade finance business. Silk Road Bank is organized in a corporate division serving all corporate clients and an individual division taking care of the business of individuals and the domestic branch network. The Bank is active in the retail market in Macedonia and present throughout the country with a total number of 15 branches.

Штедилница Можности е финансиска институција која постои веќе 21 години на финансискиот пазар во Република Северна Македонија, додека почетоците на микро кредитирањето преку Можности датираат од 1996 година. Водејќи се од мисијата и визијата, штедилницата е препознатлива по улогата на поддржувач на луѓето во потребата да добијат финансиска поддршка за своите добри деловни идеи, вербата во слободната иницијатива, индивидуалната креативност и личната одговорност. Штедилницата ги услужува микро, малите и средните претпријатија кои спаѓаат во секторот трговија, услуги и производство, како и физичките лица на кои им нуди финансиски производи и услуги како кредитирање и можност за штедење. Штедилницата ужива голем рејтинг меѓу финансиските институции во Република Северна Македонија, благодарение на високата ефикасност, посебно води грижа за брзината и квалитетот на услугите, преку нагласениот добар однос со клиентите и улогата на континуирано советување на сите клиенти. Штедилницата го организира работењето со клиентите, на тој начин што секој клиент на штедилницата има точно определено лице за контакт (службеник за односи со клиенти), кое во секој момент може да одговори на сите прашања и потреби на клиентот. Темелите на нашата деловна политика се засноваат на постојана иновација и воведување на нови производи и услуги, преку следење на трендовите и препознавање на потребите на пазарот. Штедилница Можности е партнер на глобалната микрофинансиска мрежа Opportunity International со седиште во САД во чии рамки е рангирана на трето место од вкупно 42 институции во светот. Рангирањето е направено според CAMEL рејтинг системот.

Sparkasse Bank AD Skopje-tradition, reliability and trust Sparkasse Bank AD Skopje as a part of the Steiermärkische Sparkasse and Erste Group offers a full range of banking services for companies and private individuals, striving to ensure high efficiency and reliability to the clients, utilizing the broad international experience of the Group.The Bank currently has balance sheet of 17,48 Billion MKD and 56.700 clients that are served in 27 branches all over Macedonia(as on 31.12.2016). Steiermarkische Sparkasse is the biggest credit institution in the south of Austria with balance sheet of EUR 14,4 Billion, 239 branches and regional centers, approximately 2.339 employees and 680.700 clients in Styria and South-Eastern Europe (based on data from April 2016). The Group has long-term and sustainable strategy in regional investing and that makes Steiermärkische Sparkasse a stable and reliable partner and investor. As part of the Erste and Steiermärkische Group, Sparkasse Bank AD Skopje is part of one of the best financial institutions that focus their work on private clients and small and medium-size enterprises. “In every relationship, it is the people that count!” In the focus of our work are your needs and how they can be served. In this context we create our services according to the modern European trends and the know-how culture of the Group. We are also confirming our role as forerunner when it comes to new ideas and innovative solutions in financing and payment operations. In support to the private customers, the Bank offers products with favorable terms for meeting your family needs and requests. The introduction of the new products and continuous quality improvement are our primary commitment.

By decision of City People Committee Bitola, Komunalna banka Bitola was established and started operating as of October 01, 1948. By decision of People Committee of Bitola District Komunalna banka Bitola was established for the area where the District was acting, so Komunalna Banka Bitola merged with Komunalna Banka Bitola (District bank) which started operating as of October 08, 1956. By decision of the founders Komunalna Banka Bitola remains to act as bank of municipality Bitola and Demir Hisar as of April 01, 1962. By decision of Assemblies of the founders of Komunalni Banki of Bitola, Ohrid, Struga, Resen and Krusevo, Komercijalno investiciona banka Bitola was established with head office located in Bitola and existence of five branches. This banking organization started from January 01, 1966 till the end of 1972. By decision of Assemblies of the founders Komercijalno investiciona banka Bitola merged with Komercijalno investiciona banka Skopje and Stopanska Banka Skopje in unique bank located in Skopje. The new-formed Stopanska Banka Skopje started working as of January 01, 1973 by opening branches in all municipal centers. By decision of the founders December 23, 1977 Stopanska Banka Osnovna Banka Bitola was established and constituted. The formed main banks by Agreement formed Stopanska Banka Zdruzena Banka Skopje. By decision of the founders of the main banks during December 1989 brought decision for merging – establishing of Stopanska Banka a.d. Skopje, so that the main banks were transformed to main branches, and the business units of the main banks to branches. The Bank started operating as of January 01, 1990. By tender of National Bank of the Republic of Macedonia five banks separated from Stopanska Banka a.d. Skopje, among them Stopanska Banka a.d. Bitola, which started to work by decision of the Assembly of the shareholders as of June 06, 1995 as independent bank with starting balance as of January 01 1995.

https://www.ccbank.mk/

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