20.6.22.

11:35 Macedonia (Major Banks)

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Home (/)  Country Profiles (https://thebanks.eu/countries)  Macedonia ()

Economy and Banking Sector of

Macedonia
Overview (https://thebanks.eu/countries/Macedonia)

Economy (https://thebanks.eu/countries/Macedonia/economy)

Taxation (https://thebanks.eu/countries/Macedonia/taxation)

Banking Sector (https://thebanks.eu/countries/Macedonia/banking_sector)

Major Banks (https://thebanks.eu/countries/Macedonia/major_banks)

Major Banks of Macedonia

Market
Rank Name Total Assets
%

 Komercijalna Banka AD Skopje 23.27 148.59 bln MKD 

1
(https://thebanks.eu/banks/18440)
(https://thebanks.eu/banks/18440) %  (+12.03%)

 Stopanska Banka AD Skopje 114.10 bln MKD 

2 17.87 %
(https://thebanks.eu/banks/18447)  (+7.62%)
(https://thebanks.eu/banks/18447)

 NLB Banka AD Skopje (https://thebanks.eu/banks/18442) 16.90 107.94 bln MKD 

3
%  (+11.48%)
(https://thebanks.eu/banks/18442)
 Sparkasse Bank Makedonija AD Skopje 73,580.37 mln MKD 
4 11.52 %
(https://thebanks.eu/banks/18438)
(https://thebanks.eu/banks/18438)  (+178.63%)

 Halk Bank AD Skopje (https://thebanks.eu/banks/18436) 72,824.52 mln MKD 

5 11.40 %
(https://thebanks.eu/banks/18436)  (+8.70%)

 ProCredit Bank AD Skopje 39,455.49 mln MKD 

6 6.18 %
(https://thebanks.eu/banks/18444)  (+11.75%)
(https://thebanks.eu/banks/18444)

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20.6.22. 11:35 Macedonia (Major Banks)

Market
Rank Name Total Assets
%

 Univerzalna Investiciona Banka AD Skopje

(https://thebanks.eu/banks/18448) 23,985.16 mln MKD 
7 3.76 %
 (+0.88%)

(https://thebanks.eu/banks/18448)

#1: Komercijalna Banka AD Skopje (https://thebanks.eu/banks/18440)

(/banks/18440)
Komercijalna Banka AD Skopje was established in 1955 as Komunalna Banka was specialized in

providing housing loans and financing construction operations. Komercijalna Banka AD Skopje is a
universal bank with a wide range of banking activities ranging from deposits and loans approval to
legal entities and natural persons, services such as domestic and international payments, and other

activities in foreign currency exchange, securities trading and trade finance.

Services

• retail banking
• business banking
Clients

• natural persons
• companies
Area Served

Macedonia
internationally
Products

• current accounts
• payment cards
• savings accounts
• time deposit accounts
• children savings accounts
• consumer loans
• car loans
• mortgage loans
• student loans
• Western Union money transfers

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20.6.22. 11:35 Macedonia (Major Banks)

Komercijalna Banka AD Skopje is the 1st largest bank

(https://thebanks.eu/banks/18440/market_share) in Macedonia in terms of total assets. In 2021 its

total assets were 148,59 bln MKD, providing the bank with the market share of 23.27%.

Komercijalna Banka AD Skopje participates in the deposit guarantee scheme of Macedonia.This

scheme covers accounts up to 30,000 EUR per bank per depositor.

#2: Stopanska Banka AD Skopje (https://thebanks.eu/banks/18447)

(/banks/18447)
Established in 1944, Stopanska Banka AD Skopje operates as a universal bank, providing a wide range
of retail and business banking products and services to individuals and business customers.
Stopanska Banka AD Skopje also offers brokerage and securities services.

Services

• retail banking
• business banking
Area Served

Macedonia
internationally
Products

• current accounts
• savings accounts
• time deposit accounts
• debit cards
• credit cards
• consumer loans
• car loans
• housing loans

Stopanska Banka AD Skopje is the 2nd largest bank

(https://thebanks.eu/banks/18447/market_share) in Macedonia in terms of total assets. In 2021 its

total assets were 114,10 bln MKD, providing the bank with the market share of 17.87%.

Stopanska Banka AD Skopje participates in the deposit guarantee scheme of Macedonia.This scheme

covers accounts up to 30,000 EUR per bank per depositor.

#3: NLB Banka AD Skopje (https://thebanks.eu/banks/18442)

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20.6.22. 11:35 Macedonia (Major Banks)

(/banks/18442)
NLB Banka AD Skopje is a member of NLB Group (Slovenia). NLB Banka AD Skopje takes care of long-
term professional partnership with the clients, continuously developing new products and services

and improving the existing offers.NLB Banka AD Skopje operates as a universal commercial bank
providing a wide range of retail and business banking products and services.

Services

• retail banking
• business banking
Area Served

Macedonia
Products

• current accounts
• savings accounts
• time deposit accounts
• debit cards
• credit cards
• consumer loans
• mortgage loans
• housing loans
• car loans

NLB Banka AD Skopje is the 3rd largest bank (https://thebanks.eu/banks/18442/market_share) in

Macedonia in terms of total assets. In 2021 its total assets were 107,94 bln MKD, providing the bank with
the market share of 16.90%.

NLB Banka AD Skopje participates in the deposit guarantee scheme of Macedonia.This scheme covers
accounts up to 30,000 EUR per bank per depositor.

#4: Sparkasse Bank Makedonija AD Skopje (https://thebanks.eu/banks/18438)

(/banks/18438)
Sparkasse Bank Makedonija provides a wide range of retail and corporate banking products and

services to individuals, small and medium-size enterprises and other business customers. Sparkasse
Bank Makedonija also offers its customers (institutional, legal and individuals) trading in foreign

assets, financial derivatives, government securities on primary and OTC markets, placing deposits,
concluding REPO transactions, as well as other financial services.

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20.6.22. 11:35 Macedonia (Major Banks)
Services

• retail banking
• business banking
• securities trading
Area Served

Macedonia
internationally
Products

• current accounts
• debit cards
• credit cards
• savings accounts
• time deposit accounts
• children savings accounts
• consumer loans
• education loans
• car loans
• mortgage loans
• overdraft loans
• Western Union money transfers
• safe deposit boxes

Sparkasse Bank Makedonija AD Skopje is the 4th largest bank

(https://thebanks.eu/banks/18438/market_share) in Macedonia in terms of total assets. In 2021 its

total assets were 73 580,37 mln MKD, providing the bank with the market share of 11.52%.

Sparkasse Bank Makedonija AD Skopje participates in the deposit guarantee scheme of

Macedonia.This scheme covers accounts up to 30,000 EUR per bank per depositor.

#5: Halk Bank AD Skopje (https://thebanks.eu/banks/18436)

(/banks/18436)
Established in 1993, Halk Bank AD Skopje now serves natural persons as well as small, medium and

corporate enterprises and public institutions. Halk Bank AD offers a wide range of retail banking
products and services, including credit cards, home loans, consumer loans, savings, business loans,

as well as domestic and international payment operations.

Services

• retail banking
• SME banking

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20.6.22. 11:35 Macedonia (Major Banks)

• corporate banking
Area Served

Macedonia
Products

• current accounts
• deposit accounts
• children savings accounts
• debit cards
• credit cards
• consumer loans
• housing loans
• retirement loans

Halk Bank AD Skopje is the 5th largest bank (https://thebanks.eu/banks/18436/market_share) in

Macedonia in terms of total assets. In 2021 its total assets were 72 824,52 mln MKD, providing the bank

with the market share of 11.40%.

Halk Bank AD Skopje participates in the deposit guarantee scheme of Macedonia.This scheme covers
accounts up to 30,000 EUR per bank per depositor.

#6: ProCredit Bank AD Skopje (https://thebanks.eu/banks/18444)

(/banks/18444)
ProCredit Bank AD Skopje is a member of ProCredit Group, a financial group headquartered in
Germany and consisting of 13 banks operating in developing countries of Eastern Europe and Latin

America. The group's business focus is providing lending products to small- and medium-sized
companies. ProCredit Group also provides a range of retail banking products to natural persons.
ProCredit Bank AD Skopje operates as a subsidiary of ProCredit Bank AG (Germany)

(https://thebanks.eu/banks/11565).

Services

• retail banking
• business banking
Area Served

Macedonia
internationally
Products

• current accounts
• debit cards

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20.6.22. 11:35 Macedonia (Major Banks)

• savings accounts
• time deposit accounts
• company accounts
• international payments
• credit lines to finance working capital
• amortization loans
• annuity term loans
• bank guarantees

ProCredit Bank AD Skopje is the 6th largest bank (https://thebanks.eu/banks/18444/market_share) in

Macedonia in terms of total assets. In 2021 its total assets were 39 455,49 mln MKD, providing the bank
with the market share of 6.18%.

ProCredit Bank AD Skopje is rated by Fitch. Long-term credit rating assigned to the bank by Fitch is

BB+ (speculative). ProCredit Bank AD Skopje participates in the deposit guarantee scheme of
Macedonia.This scheme covers accounts up to 30,000 EUR per bank per depositor.

#7: Univerzalna Investiciona Banka AD Skopje

(https://thebanks.eu/banks/18448)

(/banks/18448)
Univerzalna Investiciona Banka AD Skopje (UNIBank) was established in 1993 as Balkanska banka AD
Skopje. Univerzalna Investiciona Banka AD Skopje provides a wide range of retail and business
banking products and services to individuals and business customers residing in Macedonia and

abroad.

Services

• retail banking
• business banking
Area Served

Macedonia
internationally
Products

• current accounts
• debit cards
• credit cards
• time deposit accounts
• consumer loans
• car loans
• mortgage loans

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20.6.22. 11:35 Macedonia (Major Banks)

• housing loans
• overdraft loans
• safe deposit boxes

Univerzalna Investiciona Banka AD Skopje is the 7th largest bank

(https://thebanks.eu/banks/18448/market_share) in Macedonia in terms of total assets. In 2021 its
total assets were 23 985,16 mln MKD, providing the bank with the market share of 3.76%.

Univerzalna Investiciona Banka AD Skopje participates in the deposit guarantee scheme of

Macedonia.This scheme covers accounts up to 30,000 EUR per bank per depositor.

See Also
• List of Banks in Macedonia (/banks-by-country/Macedonia)

Overview (https://thebanks.eu/countries/Macedonia)

Economy (https://thebanks.eu/countries/Macedonia/economy)

Taxation (https://thebanks.eu/countries/Macedonia/taxation)

Banking Sector (https://thebanks.eu/countries/Macedonia/banking_sector)

Major Banks (https://thebanks.eu/countries/Macedonia/major_banks)

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