On national economy
As part of the financial system, Halkbank AD Skopje plays a significant role in supporting economic activity and the stability of the national economy. Through its operations, the Bank contributes to ensuring liquidity, supporting investments, and creating conditions for sustainable economic growth.
During 2025, lending activity represented one of the key instruments through which Halkbank supported the economy. Its focus on both the retail and corporate sectors enabled support for personal consumption, investment activities, and business development, with particular emphasis on small and medium-sized enterprises as an important segment of the national economy.
The Bank continued to invest in the development of financial products and services tailored to the needs of its clients, with the aim of improving access to financial resources and supporting a wide range of economic activities. This approach provides greater flexibility and better adaptability to market conditions.
In 2025, Halkbank achieved stable financial results, with total assets amounting to EUR 2.099.135 billion, the loan portfolio reaching EUR 1.431.861 billion, and the deposit base totaling EUR 1.578.106 billion. Net profit amounted to EUR 37.273 million, confirming the Bank’s sustainable and responsible operations.
During the year, lending activity recorded an increase of EUR 262 million, while the deposit base grew by EUR 143 million, indicating increased client confidence and a stable position of the Bank within the financial system.
Particularly significant was the volume of retail lending, with total loans disbursed amounting to EUR 819 million, as well as the continued support of the corporate sector through project and investment financing.
Through a responsible approach, stable operations, and a clear orientation toward supporting the real economy, Halkbank continued in 2025 to contribute to strengthening confidence in the banking sector and to the sustainable economic development of the country.