Komercijalna Banka concluded 2024 as a year marked by significant achievements and prestigious recognitions. One of the highlights of the year was being named Best Bank in North Macedonia by The Banker magazine. This prestigious accolade underscores our unwavering commitment to excellence, innovation, and customer-centric service.
2024 also saw us achieving key milestones in financial growth and operational efficiency. By leveraging advanced digital solutions and maintaining a sharp focus on sustainability, we not only solidified our position as a market leader but also laid the groundwork for long-term resilience. Our financial performance exceeded expectations, affirming the soundness of our strategic approach.
Empowering Customers Through Innovation
Looking ahead to 2025, Komercijalna Banka will navigate potential challenges through strengthening its leadership position in number of areas in universal banking, providing high-quality financial solutions tailored to both corporate and retail clients. This will be ensured by achieving the highest standards in delivering innovative products and services, including areas that entail AI-driven financial solutions, making the banking accessible, simple and efficient for all customers and bridging the gaps with underserviced communities.
In the recent years, Komercijalna Banka put a lot of effort and resources to achieve level of digital transformation adequate to the role and size of the Bank, having in mind that it is one of the pillars of the commercial banking system in the country. The Bank considers the digital banking services as a priority, with plans to enhance and improve e-banking and mobile banking functionalities to meet evolving customer demands and to provide high level of customer satisfaction. This includes initiatives like providing digital branches and new digital services in order to modernize the business network that will change the customers habits to use digitalization and abandon old habits to use live banking via branch network.
Our commitment to innovation goes beyond technology—it is about understanding our customers' unique challenges and providing solutions that fit their lives and business. Whether helping small businesses streamline their operations or offering personalized wealth management tools to individual clients, we aim to be a true partner in their success.
Shaping Tomorrow: Komercijalna Banka’s Vision for 2025
In the current regulatory environment, providing the adequate balance between capital management, profitability and expectations of the shareholders for adequate return on their investments will be а challenging goal.
Having in mind continuing increase of the market price of the shares, putting Komercijalna Banka among most traded shares in the Macedonia Stock Exchange, as well as a most important share in the MBI10 index is a challenge for the Management and shareholders of the Bank. This strategy aims to ensure compliance with new capital requirements while maximizing profitability through acceptable risk management practices.
The Bank emphasizes full compliance with legal regulations regarding financial reporting and risk management, including environmental, social, and governance (ESG) practices. Facing the continuous pressure of changing regulations in different areas of activities Komercijalna Banka is in constant adjustment of its systems and policies in order to be fully compliant.
The awareness of the deficiency of young professionals in the country, as well as the need for constant improvement of skills and knowledge have influenced significant efforts to modernize the Bank’s organizational structure and improve human resource management, aiming for higher service quality and operational efficiency.
In the area of sustainability initiatives Komercijalna Banka is dedicated to sustainable development practices and aims to enhance its corporate social responsibility efforts, particularly in environmental protection. The Bank strives to achieve high level of compliance with the ESG requirements. Komercijalna Banka is committed to identify itself as a green bank, with goals to reduce its carbon footprint and achieve carbon neutrality. This aligns with global sustainability efforts and reflects a broader commitment to responsible banking practices. In the social practices in the past year almost 36.2 million denars are donations in different socially important areas, such as healthcare, education and social care and others.
By focusing on these strategic priorities, Komercijalna Banka aims not only to strengthen its position within the North Macedonian banking sector but also to contribute positively to the broader economic landscape while adhering to sustainable practices. I am confident that 2025 will bring even greater achievements as we continue to set new standards in banking excellence.
.webp){kind=icon}
