Data and Reports

1. DATA ABOUT THE BANK

Name 

STOPANSKA BANKA AD - SKOPJE

Address 

11 October No.7, 1000 Skopje, Republic of North Macedonia

Corporate Number

4065549

Organization structure

Organization structure 

Number of employees as at 31.12.2024

948

Financial activities the Bank is licensed to perform pursuant to the license for foundation and operation issued by the Governor of NBRM

Accepting deposits and other repayable sources of funds; 

Lending activities in the country, including factoring and financing commercial transactions;

Lending abroad, including factoring and financing commercial transactions;

Issuance and administration of means of payment (money cards, cheque, travelers cheque, bills of exchange);

Issuance of electronic money, if regulated by separate law;

Financial leasing;

Currency exchange operations;

Domestic and international payment operations, including purchase/sale of foreign currency;

Fast money transfer;

Issuance of payment guarantees, backing guarantees and other forms of collateral;

Lease of safe boxes, depositories and depots,

Trade in instruments on the money market;

Trade in foreign assets, including trade in precious metals;

Trade in securities;

Trade in financial derivatives;

Assets and securities portfolio management of clients and/or investment consulting for clients;

Providing services of a custodian bank to investment and pension funds;

Purchasing/selling, underwriting or placements of securities issue;

Custody of securities for clients;

Advising legal entities regarding the capital structure, business strategy or other related matters or providing services related to mergers or acquisitions of legal entities; 

Sale of insurance policies;

Intermediation in concluding credit and loan agreements;

Processing and analyzing information on creditworthiness of legal entities;

Economic and financial consulting;

Sale of stakes in investment funds and

Other financial services specified by law that may be carried out by a bank.

Decisions of the Governor of NBRM

Financial activities currently performed by the Bank

Accepting deposits and other repayable sources of funds;

Lending activities in the country, including factoring and financing commercial transactions;

Lending abroad, including factoring and financing commercial transactions;

Issuance and administration of means of payment (money cards, cheques, travelers cheques, bills of exchange);

Exchange operations;

Domestic and international payment operations, including purchase/sale of foreign currency;

Fast money transfer;

Issuance of payment guarantees, backing guarantees and other forms of collateral;

Lease of safe boxes, depositories and depots;

Trade in instruments on the money market;

Trade in foreign currencies;

Trade in securities;

Providing services of a custodian bank to investment and pension funds;

Safekeeping clients’ securities;

Sale of insurance policies;

Processing and analyzing information on creditworthiness of legal entities;

Sale of stakes in investment funds and

Other financial services specified by law that may be carried out by a bank.

Bank insurance, sales of insurance policies

Financial activities for which the Governor of NBRM had sentenced prohibition or limitation for their exercising, or are subject to withdrawn license

NONE

1.1 DATA ON THE BANKING GROUP

Name

1. National Bank of Greece Athens (NBG)

Address

Eolou 86, 102 32, Athens, Greece

Main activity of the parent entity, as well as for each member of the banking group

Financial intermediation

Organizational structure for 31.12.2024

NBG

NBG (MK)

Information for members of the banking group(ENG)

Participation of the bank (СБ) in the total number of shares in each member of the banking group

Stopanska banka AD Skopje doesn't hold shares in any member of the NBG Group

2. DATA ON THE SHAREHOLDERS STRUCTURE OF THE BANK 

2.1 SHAREHOLDERS WITH QUALIFIED PARTICIPATION - LEGAL ENTITIES

Name

1. National Bank of Greece S.A. Athens

Address

Athens

Legal form

Shareholder entity

Predominant activity

Financial intermediation

Participation in the total shares

93,43%

Participation in the total number of voting shares 

94,64%

2.2. SHAREHOLDERS WITH UNQUALIFIED PARTICIPATION

Participation of shareholders – individuals in the total number of shares issued by the Bank as 31.12.2025

6,57%

5.013 (other shareholders)

Participation of shareholders – individuals in the total number of voting shares issued as 30.6.2024

5,36%

1.496 (other shareholders)

3. DATA ON THE OWN FUNDS AND CAPITAL ADEQUACY OF THE BANK 

Amount of the initial capital registered in the Central Register

3.511.242 Thousands MKD

Number of shares of each kind and class and nominal amount of shares

1. Ordinary shares

Ordinary shares - 17.460.180
Nominal value per share – 201,1 MKD
Total nominal amount – 3.511.242 thousand MKD

2. Priority shares 

Number of priority shares - 227.444
Nominal value per share – 400 MKD
Total nominal amount – 90.978 thousand MKD

Description of characteristics of the basic components of own funds

Report on the own funds

Amount and components of the additional capital I and additional capital II

Report on the own funds

The type of deductions from the core capital and the additional capital and their amount

Report on the own funds

 

Total amount of the own funds 

18.382.152 thousand MKD (as of 31.12.2023)

20.820.094 thousand MKD (as of 30.6.2024)

20.803.177 thousand MKD (as of 31.12.2024)

The amount of capital adequacy

16.58% (as of 31.12.2023)

18.91% (as of 30.6.2024)

17.84% (as of 31.12.2024)

Amount of the capital required for covering the credit risk

Amount of the capital required for covering the currency risk

Amount of the capital required for covering the market risk

Amount of capital required to cover the settlement/delivery risk and counter party risk

Amount of the capital required for covering the risk from changed prices of goods

Amount of the capital required for covering the exceeding of the exposure limits

Amount of the capital required for covering other risks if the Bank at its own assessment had set additional amount of capital needed to cover those risks

Report on the capital adequacy ratio

4. DATA ON THE LEVERAGE LEVEL OF THE BANK 

Average leverage ratio

14.55% (for I half-year of 2024)

14.41% (for II half-year of 2024)

Common Equity Tier 1 capital

20.712.200 thousand MKD (as of 31.12.2024)

Additional Tier 1 capital

0 thousand MKD (as of 31.12.2024)

Tier 1 capital

20.712.200 thousand MKD (as of 31.12.2024)

The amount of the total on-balance sheet exposure which is used for calculating the leverage ratio

142.838.630 thousand MKD (as of 31.12.2024)

The amount of the total off-balance sheet exposure which is used for calculating the leverage ratio

6.861.814 thousand MKD (as of 31.12.2024)

The amount of the total on-balance claims of the bank, according to the latest financial statements

144.011.499 thousand MKD (as of 31.12.2024)

The amount of the total off-balance claims of the bank, according to the latest financial statements

19.701.232 thousand MKD (as of 31.12.2024)

Differences (on-balance sheet exposure)

The differences are due to non-inclusion of the accounts for accumulated amortization of loans to customers in calculating the leverage ratio according to the prescribed regulation.

Differences (off-balance sheet exposure)

The differences are due to application of the conversion factors in calculating the leverage ratio according to the prescribed regulation.