Bilal Sujubashi, Chief Executive Officer in Halkbank AD Skopje

Dear All,

The past year, 2024, was yet another remarkably successful year for Halkbank AD Skopje. Thanks to the dedication of our team, the trust of our clients, and our strategy rooted in innovation, stability, and responsibility, we have once again distinguished ourselves as one of the most stable and reliable banks in the country.

The financial results achieved in 2024 speak volumes about our commitment to growth and development. A 48% increase in profits compared to the same period last year; a €152 million growth in our loan portfolio, and a €211 million rise in the deposit base (reaching nearly €1.5 billion by the end of December!), have solidified our position as one of the most stable and trusted banks in the country. We are particularly proud of the record number of disbursed loans to individuals, totaling €189 million. Additionally, in the corporate sector, we have demonstrated significant support in the area of project financing.

I must highlight our success story in supporting women entrepreneurs, which we have been building for over a year and a half, simultaneously promoting our commitment to equality and women’s financial independence. Through our thoughtfully designed "Women’s Package," we have already enabled the successful operation of more than 300 female-led businesses across the country.

Over the past year, we have also positioned ourselves as bold leader by being the first to launch true financial support for start-up companies in the market.

Throughout the year, we have focused intensely on digitalization, introducing a series of new e-services. These innovations have enhanced the accessibility and efficiency of our services, further strengthening our position as a leader in e-banking.

Hand in hand with our financial achievements, we have continued working on our socially responsible initiatives, which are an integral part of our corporate culture and strategy. Through our longstanding practice of supporting various cultural, educational, sporting, and environmental projects, we have built a reputation as a company deeply committed to corporate social responsibility. We are especially proud of our environmental initiatives, such as our ambitious new project, “One million seedlings in five years.” This project aims not only to restore degraded areas but also to protect biodiversity and mitigate climate change.

Our plans for 2025 are equally ambitious, focusing not only on maintaining our rate of growth and further strengthening our leadership position in the Macedonian financial market, but also on ensuring long-term development that benefits our clients, community, and economy as a whole. Having this aim in mind, we will continue to enhance our client services with a special emphasis on digital transformation and innovation. As always, we will introduce new products and services with the most competitive conditions in the market. Additionally, we will continue in implementing socially beneficial projects that have a positive impact on the community, reaffirming our commitment to sustainability.

I extend my heartfelt gratitude to all our clients, partners, and employees for their trust and support.

Sincerely,

Bilal Sucubasi/Bilal Sucubaşı
Chief Executive Officer, Halkbank AD Skopje