Contact
contact@kb.com.mk

contact center:
(02) 3 296 800

N E W S



21.4.2010 - Komercijalna Banka AD Skopje is decreasing the interest rates for the third time this year


Following the signals of the National Bank of the Republic of Macedonia, which lowered the interest rate on the treasury bills, Komercijalna Banka AD Skopje decided for the third time this year to lower the loan and deposit interest rates, as follows:

 

  • Decrease to 1 percentage point of the interest rates for legal entities for all existing denar loans approved as from 01.05.2009, as well as all newly approved loans to legal entities. The interest rates on the existing loans to legal entities approved up to the stated date shall be decreased for 0.5 percentage points as for the loans secured by a first rank mortgage of minimum 120%, which were decreased at the beginning of the year.

    This decrease shall be applied as from 01.05.2010.
  • Decrease of the interest rates on loans to individuals from 0.5 to 1 percentage point, depending on the type of the credit product, as follows: consumer loans approved after 16.05.2009 for 0.5 percentage points, denar housing and mortgage loans without specified purposes for 0.5 percentage points, car loans secured by guarantors or pledge of vehicle for 0.5 percentage points, car loans secured by mortgage on real estate for 1 percentage point and tourist loans for 1 percentage point.

    This decrease shall be applied as from 16.05.2010.

 

As from 01.05.2010 the Bank shall lower interest rates on the balance on current accounts for 0.2 percentage points, on the denar demand savings deposits for 0.3 percentage points, on the time deposits from 0.7 to 1.2 percentage points, on the FX demand savings deposits in EUR for 0.2 percentage points and on the FX time savings deposits in EUR from 0.1 to 0.3 percentage points. The interest rates on time deposits of legal entities shall be lowered accordingly.

 

Banks would be more stimulated to decrease the interest rates on loans if the National Bank of the Republic of Macedonia decreased the rate of the mandatory reserve.






17.10.2017 - Solidarity in combating poverty


Within the overall activities in the Republic of Macedonia on the occasion of the International Day of Eradication of poverty, the employees and management of Komercijalna Banka were included through donation of food, hygiene products and school supplies. This activity, for the third time, was organized by Bank in cooperation with the Macedonian Anti-Poverty Platform (MAPP) and the NGO “Humanost”, and the donation is intended for the social risk families.  MAPP and the NGO “Humanost” share the responsibility for some twenty poor families in the country, permanently contacting them and meeting their needs of food, clothes, shoes, heating material and hygienic products mainly with donations.

 

The fact that 445.000 citizens live in a poverty risk is terrible. With such actions we can always encourage the solidarity and raise the awareness for donation of food for the ones they need it most.

 

Borba protiv siromastija



04.10.2017 – Komercijalna Banka AD Skopje with stand in Skopje City mall


On the occasion of the fifth anniversary of Skopje City Mall, Komercijalna Banka AD Skopje shall install its promotion stand within the period 04.10.-08.10.2017.

Within this period, the visitors of this shopping mall will be additionally informed on the new co-branding credit card of Komercijalna Banka and Skopje City Mall Mastercard® Skopje City Mall  credit card for individuals.

 

MasterCard® Skopje City Mall credit card may be used free of charge during the first year from the issuing date, both in the country and abroad, and to be approved discounts and bonuses in certain percentages on each transaction realized at all points of sale in Skopje City Mall the Bank has contracts concluded with.




29.09.2017 - N O T I F I C A T I O N


Starting from 01.10.2017, Komercijalna Banka AD Skopje shall apply fixed and variable interest rates for the new agreements for loans, deposits and credit cards concluded from 01.10.2017.

 

Fixed interest rate is an interest rate that is not changeable during the whole loan agreement validity period or during certain period of the loan agreement validity period and within the term deposit period.

 

Variable interest rate is an interest rate that depends on the extent of certain reference interest rate and is changed in accordance with the values of the reference interest rate and total interest margin (TIM) expressed as percentage points.

 

Reference interest rate is an unique, publicly announced interest rate for certain instrument, or interest rate defined at the international or domestic money market, or is an average weighted interest rate for deposits of legal entities and individuals.

 

The reference interest rate for calculation of the variable interest rates for denar claims and liabilities shall be the rate announced and available on the web site of NBRM (www.nbrm.mk) under the name “interest rate for denar deposits without currency clause”. It shall be reevaluated on semi-annual basis, or on 01.01. and 01.07. by applying the rate announced on 25.12. and 25.06. 

 

With the foreign currency loans and denar loans with fx clause for legal entities, the Bank shall apply reference interest rate of 6-months EURIBOR for the loans approved or expressed in EUR. The reference interest rate shall be reevaluated on semi-annual basis, or on 01.01. and 01.07. by applying the reference interest rate applicable on the last business day of the respective six-months period preceding the date of interest rate revision.

 

The reference interest rate for calculation of the variable interest rate that is applied for calculation of the interest on the utilized part of the overdraft facility approved on transaction accounts for individuals, shall remain to be the interest rate for treasury bills, which is reevaluated on semi-annual basis or on 01.01. and 01.07.

 

The reference interest rate for calculation of the variable interest rates for denar loans with fx clause and for fx deposits in EUR for individuals, shall be the reference interest rate for monetary liabilities expressed or determined in foreign currency, defined by the Law on Obligation Relations (1-month EURIBOR for EUR) and according to the method defined by the same loan. This rate shall be revised twice a year or on 10.01. and 01.07.

 

The Bank shall apply fixed interest rate for the new term deposits up to 12 months (including the term of 12 months) of legal entities and individuals.

 

At the end of each six-month period, the Bank shall, at its web site, announce the reference interest rates that will be applied for calculation of the interest for the next six-month period.

 

The Bank is notifying all depositors of term deposits for individuals who want to replace their existing products with the new ones by concluding new agreements for term deposits, to visit the respective units at the counters of the Bank’s city-branches and branches.

 

Furthermore, starting from 01.101.2017 the Bank shall decrease the term deposit interest rates for deposits in USD (from 0.01-0.10 p.p), AUD (from 0.30-0.60 p.p.), GBP (from 0.01-1.60 p.p.) and CAD (from 0.02-0.70 p.p.) and shall not conclude agreements for term deposits in the following currencies: DKK, SEK, NOK, YEN.







A R C H I V E