Investing in common good, providing support where it is most needed

Halkbank AD Skopje is the fastest growing bank in North Macedonia and a leader in offering personalised banking services, as well as introducing new technologies and providing fast service through a highly developed, modern platform of alternative channels.
The strong corporate values and continuous efforts toward successfully fulfilling its mission and vision led Halkbank to become the fifth largest bank on the market in terms of both assets and profit.

People matter

The slogan “People matter” is a subliminal message about all business activities of Halkbank and its corporate strategy. It is an embodiment of its care for the customers and business partners, nurturing long-term, lifelong partnerships, but also care for the employees, and care for the environment. Such determinations are a confirmation that Halkbank AD Skopje is a serious, stable and loyal partner of the citizens, the economy, but also of the whole society in our country.

Halkbank’s main principles are to offer great service to the customers, suggesting the best solutions for their needs, while creating a successful corporate culture, giving importance to every member of the team.

Halkbank in numbers

Adapting to the newly created conditions that influenced the implementation of some of its plans and ideas, Halkbank AD Skopje managed to achieve the goals set at the beginning of 2021 and showed excellent business results from operations.
In 2021, Halkbank AD Skopje reported credit growth of 12% and 10% increase of the deposit base. The credit support that the Bank provides to businesses in the country is reflected in the 18% increase in loans to legal entities, i.e. loans to small businesses. When it comes to loan products for households, the Bank registered an increase in housing loans of 25% compared to 2020. On the basis of the stated results, Halkbank booked 10.6 million euro profit in 2021, an annual increase of 18%. Its assets amounted to 1.182 million euro at the end of the year, which is an increase of 9% compared to 2020.

Halkbank has been working intensively on expanding its branch network, which at the moment comprises a total of 45 locations, 25 of which in Skopje. Additionally, the cooperation with the state-owned company Makedonska Posta is enabling the execution of payment operations in a total of 324 active post offices of Makedonska Posta AD with 470 counters that are available to citizens to make all cash payments, including payments for utility bills.

Raising awareness of social inclusion of people with disabilities

Starting from the essence of its motto, Halkbank wanted to raise awareness of the importance of including people with disabilities in the society and improving the conditions in which they are educated. For that purpose, the Bank financially supported the construction of inclusive playgrounds in а primary school in Tetovo and a sensory room in а primary school in Ohrid.


At the same time, as a socially responsible company, Halkbank worked hard to find solutions to numerous ecological projects, even during a pandemic. As a project that we believe will continue to contribute to the formation of healthy habits among citizens, the HalkEco application has shown that people are strongly motivated to reach out to nature and replace their car with a bicycle or electric scooter and perform physical activities, in return for а HаlkEco material or a financial gift.

Concerning the commitments under the HalkEco platform, since the launch of the application in 2019, over 33,000 trees were planted throughout the country in cooperation with the state owned company Makedonski Shumi. Additionally, last year the second edition of the Halk Velo Green bicycle race took place in Mavrovo. The event has grown into a traditional race with the aim of promoting the beauty of nature and collecting funds for afforestation and last year 7,700 seedlings were planted in the vicinity of St. Nikole with the funds collected from registration fees.

The success of HalkEco made it possible to set up a green corner in the City Park in the city of Gostivar, as a donation of the Bank to the Municipality of Gostivar.

Supporting school children

High on Halkbank’s priority list for the past year has been the support of preschool and school-age children under the Halki platform – children saving brand. Such support began with the Bank joining the global initiative to mark April 2 – International Children’s Book Day, by creating the illustrated story “Halki Picture Book”, which several thousand students received as a gift. Through this platform, Halkbank is continuing to educate and raise awareness for social, eco, inclusive and financial literacy themes among children in the country.
Halkbank was also recognised by the prestigious Global Brands Magazine, which named Halkbank the “Best Financial Brand, North Macedonia 2021” for its exceptional commitment to innovation, quality, activities for branding, customer service and performance.

A catalyst for change

Through the upcoming years, Halkbank will continue to work towards strengthening the brand, and promote effective action, investing in the common good and providing support where it is most needed.

Acting primarily on human and then on business values, Halkbank is aware of its corporate and social duty and as before, will continue to continuously contribute to the development of the banking sector and be a catalyst for change using its power to make the world a better, more sustainable and greener place.

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