Annual interview with Mr. Nikoletopoulos (Ekonomija i biznis magazine)

The 80th anniversary represents immense pride for all at Stopanska banka, celebrating longevity, resilience, adaptability, and unwavering commitment to customers and North Macedonia's economy.

Being at the helm for 10 years during this milestone is both an honor and responsibility, reminding leadership of the legacy inherited and the future that must be shaped.

Stopanska banka consistently leads the domestic banking market through stability, innovation, and customer trust, maintaining strong financial performance and diverse loan portfolios.

The bank expects to close the year with approximately 20% higher profits compared to the previous year, remaining highly profitable with the strongest capital position in the country.

During 2024, the bank improved asset quality with the lowest-ever NPE ratio, enhanced liquidity ratios, and maintained capital adequacy above 18%.

Interest rate declines will affect all banks' profitability, yet this institution expects lesser impact due to its balanced balance sheet and diversified loan portfolio structure.

An ambitious expansion plan and loan portfolio growth will compensate for reduced income from declining interest rates, maintaining current profitability levels.

The bank has initiated a significant transformation program including infrastructure investments, new systems, innovative technologies, and operating model changes.

Success stems from customer-centric approach, trust and stability built over decades, prudent risk policies, and exceptional talent within the organization.

The fourth industrial revolution reshapes banking through artificial intelligence and digital transformation, creating opportunities for improved efficiency and innovative solutions.

The future involves balancing technology with personal touch that builds trust and customer loyalty.

As part of the NBG group, Stopanska banka aligns with strategic vision for the digital future, leveraging shared knowledge from the parent company's transformation initiatives.

The transformation will shift operations toward more agile, customer-focused models driven by technology integration while maintaining human connections for guidance and support.

The country must focus on digitalization, reducing administration, and investing in infrastructure and energy sectors to attract foreign investors and ensure steady economic growth.

Reforms in education, health, and environmental protection are essential, as migration caused by quality-of-life concerns weakens regional economies significantly.

The bank welcomes the government's 500 million credit line, which can facilitate investment cycles and job creation when properly distributed.

Deepening cooperation with Greece involves promoting joint ventures, enhancing trade relations, and facilitating cross-border investments in digital innovation, energy, and infrastructure sectors.