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    Sonuvame. Menuvame. vol.4



    Stopanska banka AD - Skopje proudly presents the fourth edition of its CSR project #SonuvameMenuvame which this year will include 15 concerts with the kids favorite 5+ Family and the kids with disabilities. The Bank initiated this project in order to raise public awareness and provoke broader discussion about the inclusion of persons with disabilities especially among kids who are an open and accepting audience, when the topic is useful. Since 2016 when #SonuvameMenuvame had once performance, it gradually grew, attracted attention and created grounds for growing empathy, understanding and a better society for the persons with disabilities. Therefore, the fourth edition comes in a bigger package - more concerts, more performances by the kids and of course bigger audience.







    The campaign “Vozi od srce” concluded with success!


    The year when Stopanska banka AD – Skopje celebrated its 75th anniversary was enriched with a unique interactive campaign that asked the citizen to ride their bikes and to “donate” the kilometers they drove for a common goal – reaching 1 million kilometers together.







    Stopanska Banka AD – Skopje made changes in transactions with non-resident clients


    Dear clients,


    Please be informed that as per legal regulations and internal acts of the Bank, Stopanska Banka AD – Skopje made changes in transactions with non-resident clients.








    Ana Marija Atanasovska - the national winner, came back with a silver medal from the World MOS Championship



    At our i-bank store today, Ana Marija Atanasovska, a student of the Rade Jovchevski Korchagin high school from Skopje was presented as the winner of a silver medal at the World MOS Championship that was held between 28-31 July in New York City, USA. Ana Marija competed in the Power Point 2013 category providing our country with the biggest success at this prestigious competition so far. Competing with 153 students from 119 countries in application based categories (Power Point, Excel and Word), Ana Marija won a silver medal.








    Stopanska Banka with changes in interest rates on transaction accounts and demand deposits of legal entities

    According to the current market movements, SB will calculate and pay interest at the interest rate of 0.00% p.a. on the positive balance of transaction accounts and sight accounts in denars and in foreign currencies of legal entities.
    The amendments are valid from 15.07.2019 and refer to the existing and newly concluded agreements on transaction accounts and deposits.







    Stopanska Banka with changes in interest rates on the deposits of individuals


    Starting from 01.07.2019 Stopanska Banka makes interest rates adjustments. Current interest rates can be reviewed on notice boards in branches, 24/7 Call center on (02) 3100-109 or on the following link.






    Vozi pravo, vozi zdravo 5th edition


    Skopje was free of cars and traffic for one hour and filled with bikers, scooters, roller blades, baby strollers. With over 7.000 participants, Vozi pravo, vozi zdravo, one of the main CSR events of Stopanska banka AD - Skopje was held this Saturday, 08.06.








    4th Microsoft Office Specialist competition at i-bank store



    We have this year's Microsoft Office Specialist champion, who will represent the country at the World Competition in New York, USA

    As part of the project for promotion of the digital literacy of the young people in the Republic of North Macedonia. Today North Macedonia, for the fourth time got its representative for the world competition MOS (Microsoft Office Specialist) which was held at i-bank store, the branch of Stopanska Banka AD – Skopje.
    Ana Marija Atanasovska from the Skopje, student in the High school Rade Jovchevski - Korchagin won the first place of this year's final, featuring the best 40 youngsters from nearly 700 registered people, under the mentor-ship of professor Zaklina Prekic. As a champion of the National MOS (Microsoft Office Specialist) competition, Ana Marija will represent the World Masters Contest traditionally held in the US and where champions from 120+ countries in the world will take part.







    VOZI OD SRCE (Ride from the heart) - a campaign for the 75th anniversary of Stopanska banka AD - Skopje

    Dear clients,

    During the entire 2019, Stopanska Banka AD - Skopje celebrates the 75 year of its foundation. As a Bank with the longest tradition, Stopanska Banka AD - Skopje has contributed to many infrastructural, and projects essential for our economy, as well as numerous everyday family and individual projects that meant realization of dreams, plans and ambitions. With its presence throughout the Republic, with the years dedicated to familiarizing our clients with constant investment in new products and services, we remain faithful to our slogan "on your side" and we grow together.







    Housing and Consumer Loan Promo Offer


    Dear clients,


    Following the increased demand for housing and consumer loans, which are available with insurance included from the beginning of the year, the Bank announces  promotional offers for these two product categories:









    Update for Windows Mobile m-banking users


    Due to the significant decrease in the number of Windows Mobile users on the market, as well as globally, we inform you that as of 1/3/2019 SB’s m-banking application will no longer be available for downloading via Windows Mobile Store.








    Stopanska banka becomes the largest insurance retail network on the market



    In the year that marks the 75th anniversary Stopanska banka AD – Skopje began the bankassurance project in cooperation with Croatia Insurance/Non-life and UNICA Life.

    Through its’ 65 branches, the 24/7 contact center and with over 120 licensed insurance representatives, the Bank now offered to the market the largest insurance retail network, making insurance all the more available.


    Insurance is a big part of the financial system in the country and is complementary to traditional banking services around the world. The role that Stopanska banka shall primarily have is to provide clients with education regarding the advantages of insurance and the added value they get by using banking products bundled with insurance.








    Stopanska banka AD - Skopje as the Bank with the largest card portfolio on the market, in cooperation with VERO markets, offer you a unique opportunity to save when using the VISA VERO credit cards coupled with the VERO loyalty card.

    VISA VERO credit card is the only card that gives you an opportunity to save each month when shopping in VERO an amazing 4.5% gathered from:


    •    3.5% of the value of the VERO transactions when paying with the Credit card at VERO markets and
    •    1% of the value when using the VERO loyalty card in paralel






    Branches will be closed on 28.08 (Tuesday), national holiday


    Dear clients,


    due to the national holiday Holly Mother, the branches of Stopanska banka AD - Skopje will be closed on Tuesday 28.08.2018.

    You have the i-bank services 24/7 at your disposal, our ATM network and you can use your payment card in the broad merchant network.


    The Stopanska banka team wishes you a happy holiday.


    Stopanska banka AD - Skopje

    On your side






    Information regarding the changes of the clients identification method


    We would like to inform you that as of 07.07.2018, by entering into force of the new Law on Prevention of Money Laundering and Financing of Terrorism, due to which the following changes in the operations of Stopanska Banka AD - Skopje have been introduced:


    - Pursuant to the provisions of the aforementioned Law, a requirement for mandatory identification of "Public Information Officer" has been established, therefore all existing and future Bank clients are obliged to fill in an application regarding whether they are Holders of Public Function or are persons connected with Holders of Public Function (Politically exposed persons), after which the Bank, on the basis of an appropriate risk assessment, decides on the approval / extension of the business relationship with that client.





    Introducing of fees on foreign account for legal entities


    Dear clients,


    Please be informed that starting from 01.07.2018 Stopanska banka AD Skopje(SB) is introducing fees on foreign accounts for legal entities-residents and nonresidents as follows:


    1. Account maintenance


    • For client in SB resident, amount of MKD 25 ( on monthly basis per account)
    • For client in SB nonresident, amount of EUR 5(on monthly basis per account)






    Successful fourth edition of "Vozi pravo, vozi zdravo"


    The 4TH edition of the already well-known voluntary race VOZI PRAVO, VOZI ZDRAVO, had a successful finish with over 5,400 registered participants and a wonderful sunny weather. During the race, at least for a short time, the streets were freed from motorized vehicles and the participants moved freely and safely.


    Riding a bicycle, scooter, roller skates, skateboards, does not pollute but helps to reduce traffic jams, helps protect the environment and is also very fun and healthy.







    New national Microsoft Office Specialist for 2018


    The grand finals of the National Microsoft Office Specialist was held today at the i-bank store branch of Stopanska banka AD - Skopje, promoting again the digital literacy in the R. Macedonia.

    The championship that started in December 2017, marked over 1000 young participants out of which the top 40 are here today for the finals.


    This years' champion JORDANCHO EFTIMOV from Kochani, will represent Macedonia at the World Championship in Orlando, FL, USA. Jordancho will compete against representatives of 140 countries for the Microsoft Office World Specialist title.






    Second edition of the “Sonuvame.Menuvame”
    CSR project of Stopanska banka AD – Skopje
    „Together we can make a better world“



    By organizing the second edition of the project “Sonuvame.Menuvame” Stopanska banka AD – Skopje shifts its focus towards the kids with special needs or disabilities and the need for their sustainable inclusion within the society.

    At the MOB (Macedonian Opera and Ballet) the kids favorites 5+ Family, which for 10 years have enriched the home entertainment and fun kids program, will provide hour long concerts where some of the roles will be played by the kids with special needs which empowers the storyline and makes it complete while at the same time displaying to the public in a most plastic manner the desired inclusion which is in our focus.

    The five “Sonuvame.Menuvame” concerts will be held at MOB with the following schedule:

    •    Friday 15.12. from 18h
    •    Saturday 16.12 from 11 and from 14h
    •    Sunday 17.12 from 11 and from 14h







    When the target group is made up of youngsters age 18-28 that demand open, free communication, that want advice and recommendation by relevant sources, that demand space and the opportunity to express themseleves, that are brave and naturaly individualistic and are over 300.000 than it is a real challenge for a company to try not only to talk to them, but to offer them a set of services that will be appropriate and accepted.

    This is why, Stopanska banka AD - Skopje, for its current and future young clients created TOPSI, together with the actors Tino and Atanas - banking services that have the purpose to create an open channel for communication between the Bank and the young population.





    Address by Mr. Toni Stojanovski at the annual conference of the Macedonian Stock Exchange


    Mr. Toni Stojanovski, Chief Retail Officer at Stopanska banka AD - Skopje addressed the auditorium at the annual conference, celebrating 20 years of the establishment od the Macedonian Stock Exchange.

    The integral text of the addressing is available on the following link.






    Example of positive CSR activity


    Stopanska banka AD – Skopje as a corporate responsible company is proud of its legacy of well-established and recognizable CSR practice over the years. Although, as citizen, in the setting of our busy everyday life, projects and deadlines we sometimes forget that the complex society, of which we are integral part, needs our energy, our support and our guidance, the Bank has implemented a strategy, of course, empowered by its employees that makes efforts to build a stronger and long lasting relationship with the community and society through CSR efforts.
    At the same time, these efforts are encouraged by our Group (NBG), with whom we regularly share our positive CSR experiences and thus build a tower of knowledge that the entire Group can use to benefit each community.





    As a leading example of a company with corporate social responsibility, Stopanska banka implements the highest standards in doing business, while at the same time invests in the environment it works in and its improvement. The biggest inspiration for our previous CSR activities were the children for whom we invested in education, wellbeing, health and we wish to continue with a donation of an urban educational traffic/biking polygon for the residents of Skopje.

    This in mind, the Bank initiated and organized the project “Vozi pravo, vozi zdravo” which has the goal to increase the awareness of the advantages to alternative forms of transportation as something of great importance to the City of Skopje, and at the same time create this healthy habit for the youngest.

    In order to ensure major support and involvement of the citizenship, Stopanska banka placed an interactive web banner on the most popular web sites, where participants can virtually ride a bike and donate the meters they have passed – the more meters we collect the more funds Stopanska shall donate to the construction of the children polygon. The donated meters will also be collected at the informal race on Sunday September the 13th. The race shall begin from the i-bank store at 18 o’clock and finish at the entrance to the City park with a major party event – responsible for the musical content will be KALIOPI, 5+ band and DJ Goce (SAF). Of course, plenty of rewards and entertainment will be available for the guests of the event.






    Traditionally, Stopanska banka AD – Skopje during the holiday season in cooperation with Red Cross of the Republic of Macedonia realizes the humanitarian action “Warm holidays for all”.

    Today, in the premises of DHO “Dare Dzambaz”, some of the Bank employees handed over New Year packages with food for the Red Cross users.

    The donation is consisted of the most necessary food products for a family, carefully selected in coordination with the Red Cross of the Republic of Macedonia, distributed in several municipalities across the country, such as: Skopje, Bitola, Struga, Gevgelija, Strumica, Valandovo and Kochani, in order to help to the socially endangered families, who spend the holidays in very hard conditions.







    Tabernakul literary awards 2015


    With a special academy, held today, the Printing Company Tabernakul offered another feast for literary fans. Winners of the international Tabernakul literary award for 2015 are Hertha Miller (Nobel prize winner) and Tom Stophard, one of the most popular contemporary authors.

    During the day, the winners together with the rest of the Tabernakul academy held a press conference, award ceremony and additional presentatio of the winners where Mr. Viktor Erofeev, a russian writer and a winner of this award, presented Mrs. Hertha Miller and her literary produce. Tom Stophard was presented by Mr. Goran Stefanovski one of the most acclaimed local authors.


    Stopanska banka AD - Skopje in its efforts to support community values that improve everyday life provided both moral and financial support for the event, and through its Facebook profile shall provide copies of the books from the winners for its fans.



    Stopanska banka AD - Skopje

    On your side




    Donation from the employees for a Red Cross cause


    The local organization of the Red Cross - Skopje again this year organized the "Think about us" activity regarding the "Day of hunger" from 16th october untul 16th november 2015. Therefore a humanitarian action was organized at the i-bank store on 11.11.2015, Wednesday when the employees of the Bank made cash donations. We wish to thank the employees for their generous contribution for the successful activity.




    "Stopanska is in its bes phase at the moment" - Interview with Mr. Diomidis Nikoletopoulos, CEO


    The translation of the original interview from Kapital weekly magazine is provided in this article:


    1.    Mr. Nikoletopoulos, Stopanska Banka recorded a profit of 26.1 mil EUR for the first 9 months of this year which is significantly better than last year. This trend has been noticed during the recent years. How did you manage to have increased profits at a time when most banks and private companies are in crisis?
    For years now we have been talking about “some kind of crisis", local or global, economic or political, regional etc. Definitely we live in turbulent times especially if you want to apply a long-term strategy, but the basic rules of doing business remain valid, they even have greater value and more comprehensive meaning than before.
    The successful business should do both; to follow the lead of the customers who have larger appetites and ambitions and to create the conditions for developing new needs, the satisfaction of which boost further the economic activity, regardless of the difficulties in the local or global environment. Certain domestic companies have started adapting their operations in line with higher standards and the population is a step closer to the desired European lifestyle. In a business environment with such a set-up, Stopanska Banka is a partner of great importance and being, at the same time, a member of NBG, the largest financial network in Southeastern Europe is able to operate in a modern/European way, sharing the group valuable experience and knowledge with its customers.
    Getting closer to our operating model you can realize the reasons of being a so successful company. As we have often pointed out, nothing is accidentally achieved, instead, behind our success there is a long term business plan, continuous and consistent effort by capable people, deep understanding of the customers’ needs and excellent cooperation with them, innovative products and services and all these within a risk management framework that enables the business growth without the Bank undertaking unmanageable risks. We are always aiming to financing promising companies and sustainable projects that create new jobs, increase exports, provide higher quality and added value to the system and of course to support the individuals in all aspects of their financial needs, being the bank with the dominant position in retail banking in the country. The mix of portfolios, the careful lending approach, the well-balanced pricing and the maintenance of non-performing loans at low levels, are the main contributors to our strong profitability.






    Ceremony for the opening of the renovated Debar branch


    Stopanska banka AD - Skopje continues to invest in improving the working conditions in the largest branch network in the country. At the satisfaction of the local citizens and companies that cooperate with Stopanska banka AD - Skopje, one of the older branches of the Bank was renovated and transformed into a modern banking space where the clients can continue using the bank products and services. The Branch manager and employees together with the CEO and the BoD members invited the local clients to a gathering and networking where they again used the opportunity to thank the clients for their trust and hope for continuous cooperation.

    For the students from Debar a special event was created with Kaliopi that made sure each child had a chance to talk to her, get a CD with an authograph and of course make smiling photos with the kids.