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. Throughout 2025, the Bank achieved excellent financial results and growth across all key segments of its operations, clearly confirming the soundness of our strategy and the continued trust placed in us by our clients.
The growth achieved in lending, deposits, digital services, and overall banking activity is the result of continuous investments in innovation, modern processes, and professional expertise. Our focus remains clear: creating long-term value for our clients, shareholders, and society.
In 2025, we made a significant step forward in digital transformation, enabling simpler and more accessible access to banking services. Online account opening, enhanced electronic and mobile banking, and the introduction of SEPA payments represent an integral part of our vision for a modern, European, and fully customer-oriented bank.
At the same time, we strengthened our role as a partner to the real economy by supporting not only large and medium-sized companies, but also micro, small, and medium-sized enterprises, farmers, and entrepreneurs, with a particular focus on sustainable and development-oriented projects.
However, we do not view our role solely through the lens of financial performance. As a socially responsible institution, Halkbank remained strongly committed to the community throughout 2025, guided by the belief that the true success of a bank is also measured by its positive contribution to society. Through numerous donations and support for education, culture, sports, and humanitarian initiatives, we reaffirmed our commitment to being a bank that not only creates economic value, but also positively influences the quality of life in the community.
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 recognitions are a testament to the professionalism, dedication, and integrity of the entire Halkbank team, and serve as additional motivation to continue working with even greater commitment, responsibility, and professionalism.
Our vision for the future is clear: Halkbank will remain a bank built on trust, stability, and partnership. We firmly believe that sustainable growth, transparency, and care for the community are the foundations upon which trust is built. For this reason, we will continue to invest in digital solutions, the development of new products, the enhancement of customer experience, and the creation of sustainable value for all stakeholders.
On my own behalf and on behalf of the Management Board, I would like to express my sincere gratitude to our clients, partners, and employees for their trust, loyalty, and professionalism. With optimism and a strong sense of responsibility, we look to the future, ready to continue creating value for every client and for the society as a whole.
Respectfully,
Dr. Fatih Şahbaz, Chief Executive Officer of Halkbank AD Skopje