Komercijalna banka Skopje Overview and Operations

Komercijalna banka Skopje is a prominent bank in North Macedonia, with a rich history dating back to 1946. It was founded by a group of entrepreneurs and has since grown to become one of the country's leading financial institutions.

The bank's headquarters is located in Skopje, the capital city of North Macedonia. Komercijalna banka Skopje offers a wide range of banking services, including personal and corporate banking, as well as investment and insurance products.

The bank has a strong presence in the country, with a network of branches and ATMs across North Macedonia. This makes it easily accessible to customers, who can conduct their banking transactions at a location convenient to them.

Komercijalna banka Skopje has a team of experienced professionals who provide expert advice and guidance to customers. This ensures that customers receive the best possible service and support throughout their banking experience.

Komercijalna banka Skopje has a traditional banking structure, with a clear hierarchy of management and decision-making.

The bank's structure is led by the General Manager, who oversees the overall strategy and direction of the bank.

The bank's Board of Directors, comprising experienced professionals, provides strategic guidance and oversight to ensure the bank's long-term success.

The Board of Directors is a crucial part of any bank's structure, responsible for overseeing the bank's operations and making key decisions. The Board of Directors of Komercijalna Banka AD Skopje is composed of six members, including the Chairman, Sava Dimitrova, who has been in the position since 2006.

The Board members are Sava Dimitrova, Taki Fiti, Sasho Naumoski, Goran Antevski, Aleksandra Maksimovska, and Vancho Chifliganec. Notably, Vancho Chifliganec joined the Board on July 29, 2018, while Fatmir Etemi joined on September 16, 2018.

The Chairman, Sava Dimitrova, has been in the position since 2006 and is 75 years old. The other Board members have varying ages, with Taki Fiti being 73 and Sasho Naumoski also being 75. Goran Antevski is the youngest at 52, while Aleksandra Maksimovska is 50. Unfortunately, the ages of Vancho Chifliganec and Fatmir Etemi are not specified.

Here is a list of the Board members with their respective ages and start dates:

Komercijalna Banka AD Skopje has a significant presence in the financial sector, with several group companies under its umbrella. One of these companies is KB Prv otvoren zadolzitelen penziski fond Skopje, which operates as an investment manager.

KB Prv otvoren dobrovolen penziski fond Skopje is another investment manager within the group. Its focus is on managing voluntary pension funds.

KB Publikum Invest AD is a financial conglomerate that is part of Komercijalna Banka AD Skopje. This company functions as an investment fund and is located in North Macedonia.

Here are some key details about the group companies:

Komercijalna banka Skopje's bank operations are designed to meet the needs of its customers. The bank offers a range of services, including online banking and mobile banking.

With over 150 branches across the country, Komercijalna banka Skopje provides convenient access to its services. This extensive network allows customers to easily manage their accounts and conduct financial transactions.

The bank's operations are supported by a team of experienced professionals who are dedicated to providing excellent customer service.

As we dive into the world of bank operations, it's essential to understand the various sales activities that drive a bank's revenue. The sales by activity section of a bank's financial report provides valuable insights into the different areas where a bank generates its income.

Corporate Banking is a significant contributor to a bank's sales, with Komercijalna Banka AD Skopje's sales in this segment reaching 3.93 billion in 2023.

The bank's Payment and Settlement services also saw a notable increase, with sales reaching 908 million in 2023, up from 673 million in 2019.

Retail Banking sales were also significant, with the bank generating 901 million in sales in 2023, a substantial increase from 216 million in 2021.

Trading and Sales, on the other hand, experienced a decline, with sales dropping to 351 million in 2023 from 484 million in 2022.

Here's a breakdown of the bank's sales by activity in 2023:

By analyzing these sales figures, we can gain a better understanding of the bank's revenue streams and identify areas for potential growth and improvement.

Komercijalna Banka AD Skopje's sales have been steadily increasing over the years, with a notable surge in 2023.

The bank's sales in the Republic of North Macedonia have been consistently high, reaching 7.06 billion in 2023.

The EU Member States have seen a significant decline in sales, with a notable drop of -179 million in 2020.

The bank's sales in Other Countries have been relatively stable, ranging from 345,000 to 4.34 million over the years.

Here's a breakdown of the bank's sales in different regions:

The Unallocated region has seen significant growth, with sales increasing from -37,000 in 2019 to 41.71 million in 2023.

Swift Code Details are an essential part of international bank transactions, and understanding how they work is crucial for smooth operations.

A Swift/BIC code is an 8-11 character code that identifies your country, city, bank, and branch. It's made up of four distinct parts.

The bank code is usually a shortened version of the bank's name, represented by four letters (A-Z).

The country code is a two-letter representation of the country where the bank is located.

The location code is a combination of letters and numbers that indicates where the bank's head office is, made up of two characters (0-9, A-Z).

The branch code specifies a particular branch and is usually three digits long, with 'XXX' representing the bank's head office.

Here's a breakdown of the Swift Code components:

Komercijalna banka Skopje has established a strong network of external partnerships that enhance its services and reach.

The bank has partnered with Mastercard to offer a wide range of payment cards that provide customers with secure and convenient payment options.

This partnership enables customers to make transactions both locally and internationally, making it a valuable addition to the bank's services.

Komercijalna banka Skopje also has a partnership with Visa, allowing customers to use their cards for various transactions.

The bank's partnerships with these global payment giants have increased its customers' confidence in using digital payment methods.

Komercijalna banka Skopje's external partnerships have also expanded its services to include online banking, allowing customers to manage their accounts and perform transactions from the comfort of their own homes.

Komercijalna banka Skopje is a leading bank in North Macedonia, with a long history dating back to 1920. The bank has undergone significant transformations over the years, including a merger with another bank in 2003.

The bank's headquarters is located in Skopje, the capital city of North Macedonia. It's situated in a prominent business district, close to other major financial institutions.

Komercijalna banka Skopje offers a wide range of financial services, including corporate banking, retail banking, and investment banking. The bank has a strong presence in the country's economy, with a significant share of the market.

The bank's management team is led by a seasoned banker, who has over 20 years of experience in the industry. They have a clear vision for the bank's future growth and development.

Komercijalna banka Skopje has a strong commitment to corporate social responsibility, with a focus on supporting local communities and promoting economic development.