Message from Fatih Şahbaz
Dear clients, partners, collaborators, and friends of Halkbank,
The year behind us was marked by stability, sustainable growth, and further strengthening of Halkbank AD Skopje’s position as one of the leading banks in the country. During 2025, the Bank achieved excellent financial results and growth in all key segments of operations, which is a clear confirmation of the correctness of our strategy and of the trust continuously shown to us by our clients.
The growth achieved in lending, deposits, digital services, and overall bank activity is the result of continuous investments in innovation, modern processes, and professional staff. Our focus remains clear: creating long‑term value for clients, shareholders, and society as a whole.
In 2025, we made a significant step forward in digital transformation, enabling an even simpler and more accessible approach to banking services. Online account opening, enhanced electronic and mobile banking, and the introduction of SEPA payments are part of our vision for a modern, European, and fully client‑oriented bank.
At the same time, we strengthened our role as a partner of the real economy, supporting not only large and medium‑sized companies but also micro, small, and medium enterprises, farmers, and entrepreneurs, with special emphasis on sustainable and development projects.
However, we do not view our role only through the prism of financial results. As a socially responsible institution, Halkbank in 2025 remained strongly committed to the community, because we believe that the true success of a bank is also measured by its positive contribution to society. Through numerous donations, support for education, culture, sports, and humanitarian initiatives, we reaffirmed our determination to be a bank that not only creates economic value but also positively influences the quality of life in society.
We are proud that our efforts were recognized by both international and domestic professional audiences through prestigious awards for service quality, digital innovation, and social responsibility. These awards are proof of the professionalism, dedication, and integrity of the entire Halkbank team and an additional motivation to continue with even greater commitment, responsibility, and professionalism.
Our vision for the future is clear – Halkbank will remain a bank of trust, stability, and partnership. We believe that sustainable growth, transparency, and care for the community are the foundations on which trust is built. Therefore, we will continue to invest in digital solutions, in the development of new products, in improving customer experience, and in creating sustainable values for all stakeholders.
On my own behalf and on behalf of the Management Board, I express sincere gratitude to our clients, partners, and employees for their trust, loyalty, and professionalism. With optimism and responsibility, we look to the future, ready to continue creating value for every client and for society as a whole.
Respectfully,
Dr. Fatih Şahbaz, Chief Executive Officer of Halkbank AD Skopje