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12.01.2021 - Komercijalna Banka sponsor of Vlatko Stefanovski’s new album


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Music and pleasure always come in pair. This time, the music is brought by our legend Vlatko Stefanovski, who showed his latest album "Taftalidze Shuffle" to the Macedonian audience, and the pleasure is all ours as a sponsor of this latest musical work of the guitar virtuoso. The online promotion of the album took place in the premises of the bookstore Literatura.mk in City Mall Shopping Centre in Skopje together with the video called "Mirror". Looking forward to his promotional concert, we once again send congratulations to our virtuoso Vlatko Stefanovski.



08.01.2021 – The promotion period for depositing daily turnover free of charge at ATM extended until 30.06.2021


 
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Legal entities that have or will open an account in Komercijalna Banka AD Skopje will have the opportunity for depositing of the daily turnover free of charge at ATM with the Visa Business Debit cards within the promotion period, which is extended until 30.06.2021.

 

This service is available at 27 Bank’s ATMs located in Skopje, Bitola, Veles, Gostivar, Kavadarci, Kochani, Kumanovo, Ohrid, Prilep, Strumica, Tetovo and Shtip.

 

When depositing the turnover, the ATM shall accept all banknotes and polymer banknotes in denomination of 10, 50, 100, 200, 500, 1000 and 2000 denars. For more information on this financial service and the ATMs locations please follow the

link.




05.01.2021 – Komercijalna Banka continues to be socially responsible – it donated ambulance to PHI Health Center Negotino


 
Амбулантно Неготино
 

In the new year Komercijalna Banka continues its social responsibility mission with a donation worth over MKD 2 million as support to the Macedonian public health. An ambulance was donated to the PHI Health Center Negotino in order to strengthen the capacities of this health institution in the fight against the Covid-19 virus.

With this donation, the Bank, in cooperation with the Municipality of Negotino, reiterated the importance and obligation of all institutions in the country to get involved in the fight against the pandemic, which is still a serious threat to the health and lives of citizens.

 

The PHI Health Center Negotino expressed great gratitude to Komercijalna Banka for the donation of an ambulance for the needs of the citizens of Negotino and Demir Kapija municipalities.

 

"This donation comes at the right time when the needs for transportation of the population are multiplied. With this donation, PHI Health Center Negotino will have an optimal number of ambulances for the daily needs of the population. We thank you for the humanity and the feeling that we are all together in the battle with the pandemic ", said Biljana Filipova, the Manager of PHI Health Center Negotino.

 

Last year, Komercijalna Banka provided total support to health institutions in the country in the amount of about 590,000 Euros.

 
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31.12.2020 – ЕBRD and Komercijalna banka are supporting green investments - €1 million loan for financing energy efficient investments in residential sector


The European Bank for Reconstruction and Development (EBRD) is supporting green investments in North Macedonia with a €1 million loan to Komercijalna Banka Skopje under the EBRD’s Green Economy Financing Facility (GEFF). The funds will be available for green investments in the country’s residential sector. This will include investments in high-performance green technologies, materials and solutions undertaken in privately-owned residential dwellings or buildings.

 

Andi Aranitasi, EBRD Head of North Macedonia, said: “We are pleased to expand our green activities in North Macedonia and to welcome Komercijalna Banka Skopje on board. Supporting green investments is one of our key priorities and we are glad that the largest Macedonian bank is joining us in this endeavour. Connected to this, overcoming the coronavirus and building back the economy are also in our focus. Green recovery is one of the ways to heal the economy and this loan is a step in that direction.”

 

Komercijalna Banka Skopje is the fifth bank in the country to join GEFF. The programme in North Macedonia is part of the EBRD’s €85 million Western Balkans Green Economy Financing Facility launched in 2017, a joint initiative by the European Union (EU), the Austrian Federal Ministry of Finance and beneficiary countries cooperating under the Western Balkans Investment Framework (WBIF).

 

As of end of November 2020, GEFF in North Macedonia has reached almost 1.600 households and provided loans of more than €11 million for almost 1.600 individual projects that contributed to savings of over 7 million kWh of energy and a reduction of over 3,000 tons of CO2 emissions per year. The most frequently financed technologies are windows and doors, insulation and heat pumps.

 

GEFF is implemented under the umbrella of the Regional Energy Efficiency Programme for the Western Balkans (REEP Plus), funded by the EU and implemented in partnership with the Energy Community Secretariat. REEP Plus has also delivered policy support for harmonising North Macedonia’s law on energy efficiency and regulations for energy efficiency in buildings with the relevant European directives.

 

The EBRD is a major institutional investor in North Macedonia. To date, it has invested €2 billion in 137 projects in the country. Supporting green energy is a priority for the Bank as it addresses one of the country’s most pressing challenges.

 




30.12.2020 – Notification for the working hours of the branches and city-branches of Komercijalna Banka during the holidays


Dear Clients,

 

We would like to inform you that on 31.12.2020, the working hours of the branches and city-branches of Komercijalna Banka AD Skopje will be as follows:
  • The working hours of the Bank’s branches throughout the country (in Bitola, Veles, Gostivar, Kavadarci, Kochani, Kumanovo, Ohrid, Prilep, Strumica, Tetovo, Shtip) will be until 16:00
  • The working hours of the city-branches Avtokomanda, Biser, Gjorche Petrov, KB1, Leptikarija and Cvetan Dimov will be until 16:00
  • The working hours of all other city-branches in Skopje and throughout the country will be until 15:00.

 

On Saturday (January 2, 2021) the working hours of the branches and city-branches will be as usual. January 6 (Wednesday) and January 7 (Thursday) 2021 are non-working days.

We would like to remind you that e-banking and mobile banking services, as well as the digital city-branch on Makedonija Street and the digital parts of GTC and Biser city-branches are available to you 24/7.

We wish you a Happy New Year and a Merry Christmas.




25.12.2020 – Festive event for 440 children organized by the employees of Komercijalna Banka


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The New Year euphoria must not stop, especially not for the children, who are always looking forward to Santa Claus and his presents. Being at the door of the New Year, we are all looking forward to, and with wishes for good health and success, children deserve their gifts as well.

 

The employees and the trade union organization in Komercijalna Banka made four hundred and forty children to receive their gifts. This year, they again proved themselves in their traditional humanitarian mission and provided New Year packages, primarily for children from socially vulnerable categories.

 

Like in the last 11 years, this December, Komercijalna Banka brought holiday joy not only to the Day Care Center for Street Children in Suto Orizari in Skopje, but also to the Association of Single Parents “Hope” from Negotino, PI Institute for Rehabilitation of Children and young people from Skopje and to the families that received the packages through the Red Cross of the City of Skopje. Our hearts were especially warmed by the surprise and the undisguised joy shown by the "street vendors" from the “Face to Face” magazine Project and the children hospitalized in the Institute for Lung Diseases in Children Kozle (Covid Center) for the packages they received.

 

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The trade union organization Komercijalna Banka AD Skopje donated 60 New Year packages for children from foster families and children without parents. The donation was handed over in coordination with the Ministry of Labor and Social Policy and the SOS Children's Village – Singelikj.

 

Komercijalna Banka and its team will share even more pleasant surprises and joys in the New Year. Stay in good health and take care of your families and everyone around you.

 

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25.12.2020 – The payment of December pensions at Komercijalna Banka starts on 28.12.2020


 

Starting from 28 December 2020 (Monday), Komercijalna Banka shall realize early payment of pensions. The pensioners – holders of an active debit card shall have their pensions available on their accounts as of Monday (28.12.2020) and can withdraw their funds at any Bank’s ATM or use them for cashless payments in trade.

 

The payment of pensions to pensioners who do not use payment cards shall be organized in four groups, depending on the pension amount, as follows:

 

  • Monday, 28.12.2020 – pensions up to MKD 11,000
  • Tuesday, 29.12.2020 – pensions from MKD 11,001 to MKD 14,000
  • Wednesday, 30.12.2020 - pensions from MKD 14,001 to MKD 18,000
  • Thursday, 31.12.2020 – pensions over MKD 18,000

 

In order to reduce the queues and to protect the health of all users of banking services from the Coronavirus, we appeal to our clients to follow the indicated schedule, wear a protective face mask, scarf or shawl, keep the prescribed minimum distance and have mandatory hand disinfection when visiting the Bank’s city-branches and branches.




24.12.2020 – Consumer loan from Komercijalna Banka for shopping in Neptun


Neptun
 

Komercijalna Banka enriched the offer of loans with another product – special purpose consumer loan through Neptun Macedonia.

 

The loan, which amounts from MKD 10,000 to MKD 120,000, is intended for purchasing products in Neptun stores with deferred payment up to 60 installments. And, any products purchased in Neptun under this loan within the promotion period until 31.12.2020, will be paid in up to 60 installments, interest free.

 

This is a great opportunity for holiday shopping and buying something new for your home. More detailed information about this new credit product is available on the following link.



21.12.2020 – Komercijalna Banka started with the payment of Government’s financial help in the amount of MKD 6,000


 

On 21December 2020, Komercijalna Banka started with the payment of the financial help from the Government from the fourth package of measures for coping with the consequences of the Covid-19 virus.

 

All recipients of financial help in the amount of MKD 6,000, which are distributed for payment through Komercijalna Banka and who work regularly with their accounts and have updated data in the Bank, will be able to use the funds immediately.

 

The recipients of financial help who:

  • do not have a transaction account in Komercijalna Banka
  • have an account with an active blockade thereon through ERTS
  • have an inactive account which is has not been used for a longer period of time and do not have updated their personal data in the Bank,

have to open a transaction account and / or update their personal data in the Bank not later than 25 December 2020 in order to be paid the financial help from the Government. These recipients will be able to use the financial help the next day after updating the data and / or opening an account.

 

The data updating and the submission of the application for opening an account can be done at the nearest city-branch / branch of the Bank. The list of Bank’s city-branches and branches and their working hours are available at the following link.  Pursuant to the Law, if they update the data and / or open an account after 25.12.2020, the financial help will not be paid.

 

In order to protect the health of citizens from the Covid-19 virus, when visiting the city-branches and branches of Komercijalna Banka, it is mandatory to comply with all health recommendations (face mask, keeping the prescribed distance and disinfection of hands). The recommendation for the citizens is to use the funds with a card.




16.12.2020 – You Buy, We Donate - Komercijalna Banka will donate funds for the care of children with autism


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On the occasion of 25 years since the first Mastercard® card from Komercijalna Banka, in the period from 15 December 2020 to 8 January 2021, a new Bank’s donation project intended for the care of children with autism will be realized. With the campaign "Komercijalna Banka and Mastercard® - Together for Something Priceless" the Bank will provide financial support from its own funds to associations that care for help and greater inclusion of children with autism.

 

For the realization of this humane project, for any transaction realized by the holders of Mastercard® cards of Komercijalna Banka at any point of sale or online within the period from 15 December 2020 to 8 January 2021, we will donate funds for children with autism from our own funds. All transactions made with Mastercard® cards of the Bank for individuals and legal entities, as well as transactions made with a digital card through the KomPay application will participate in the campaign.

 

During this festive period, which is different in many ways, Komercijalna Banka, together with its clients, will do something priceless. We wish customers to enjoy safe shopping, and we will make sure to turn their holiday magic into another humanitarian mission.




24.12.2020 – Komercijalna Banka exclusive sponsor of the award “Novite”


As a tradition, this year again, Komercijalna Banka AD Skopje is for the fifteenth time now, sponsor of the award “Novite” for the contest for the best debutant writing, organized by the “Templum” Publishing Company, that will be awarded on 25.12.2020.

 

The award ceremony will take place at the front of the City Park in Skopje (the entrance path to the park) at 12:00, as part of the Small New Year Book Fair.

 

This is to support young and unknown authors and to affirm the prose writing as well as to promote and affirm new people, new tendencies in the literature, new poetry principles, new attempts to make the literature more influential in all social aspects, first of all in the culture, the economy and media aspects as well.

 

The prizewinner for this year shall be awarded by Komercijalna Banka by MKD 92,250.


17.12.2020 – The clients of Komercijalna Banka received practical experiences and advices for the growth of their e-store


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Having an e-shop is no longer just a good thing, but it grows into a basic tool for increased sales and revenue generation, and ultimately for business survival. Komercijalna Banka has recognized the challenge of the new age, in which shopping is increasingly moving online, thus enabling its customers to learn modern and efficient solutions for digitalization, e-commerce and digital marketing.

 

On 16 December 2020, the Bank organized a webinar with the topic "E-Shop for the new era - Experiences and tips for greater online sales" for all its customers (legal entities) who use the e-commerce service through Komercijalna Banka. The representatives of the companies had the opportunity to hear practical tips on creating and maintaining an efficient e-shop and on the ways to make the best use of its potential, presented by proven professionals in the field of finance and IT industry.

 

Komercijalna Banka remains committed to its clients, not only for the financial support of their business, but also for the unselfish  and mutual transfer of experience and knowledge, which make the modern business world a developing one and resistant to threats of local and global character. Additional surprises were prepared by the Bank for all participants in the webinar, which will help them add value to their e-shop in the future.




15.12.2020 – Komercijalna Banka donated ambulances, medical equipment and tests for Covid-19 in the amount of 336,600 Euros to the Ministry of Health


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Two ambulances, 280 oxygen concentrators, non-invasive ventilation masks and 7,120 tests for Covid-19 were donated by Komercijalna Banka to the Ministry of Health to assist health authorities in dealing with the consequences of the virus. The latest donation in the total amount of MKD 20,700,855.00 (about 336,600 Euros) is another support to the Macedonian public health by Komercijalna Banka.

 

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“We are all facing the burden of struggling against the pandemic and all of us should, within our capabilities, contribute to easier coping with the pandemic. Developments show that, unfortunately, the Covid-19 virus continues to pose a serious threat to the health and lives of citizens, which exhausts medical resources and the strength of health professionals. With the latest donation, Komercijalna Banka makes a new step and once again gives significant support to the society in these exceptional moments for our country and the citizens. Our goal as a bank, in cooperation with the Ministry of Health, is to help the health authorities in coping with the consequences of the virus”, said Maja Stevkova Shterieva, Ph.D., Chief Financial Officer and Member of the Board of Directors of Komercijalna Banka AD Skopje.

 

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This year, this is the fifth consecutive donation of Komercijalna Banka for the needs of public health by which the total support from the Bank for health workers reached 590,000 Euros.

In March, the Bank donated medical face masks worth of MKD 1,198,750.00, provided financial support - donation in the amount of MKD 6,150,000.00 for the needs of the Ministry of Health and additional MKD 8,220,000.00 for the employees at the Clinic for Infectious Diseases and Febrile Conditions Skopje and the Institute of Public Health of the Republic of North Macedonia. With the latest donation, Komercijalna Banka provided two ambulances, 280 oxygen concentrators intended for continuous oxygen therapy of patients with chronic lung diseases, 7,000 rapid tests for Covid-19 virus detection, 120 test reagents, as well as non-invasive single and reusable ventilation masks.




14.12.2020 – Interview with Maja Stevkova Shterieva, Ph.D., Chief Financial Officer and Member of the Board of Directors of Komercijlana Banka AD Skopje


High social responsibility and flexible customer support to deal with the consequences of the pandemic together

 

(An interview published in “Kapital” magazine on 11.12.2020)

 

маја

 

Komercijalna Banka AD Skopje recently received the "Bank of the Year" award for the eighth time by the prestigious magazine "The Banker". For this award, which is considered the "standard of banking excellence", The Banker magazine (published by the Financial Times) , considers a wide range of criteria. The award is given to banks that have shown successful financial results, success in the overall business strategy by which they have achieved a competitive advantage, development and improvement of technology and products and services, as well as an appropriate response to the crisis imposed by Covid-19.

 

We talked with the Chief Financial Officer and member of the Board of Directors, Maja Stevkova Sterieva, Ph.D. about several things: how Komercijalna Banka coped with the challenges posed by the Corona crisis this year, the impact of the pandemic on the dynamics of lending and deposits, but also on the development of digital banking, as well as the activities undertaken by the Bank in the field of social responsibility.

 

At the beginning, please tell us what does this latest award from The Banker mean to you as a banking institution?

 

The fact that Komercijalna Banka receives the "Bank of the Year for 2020" award in this incredibly difficult year makes us especially proud. Komercijalna Banka has once again shown that it is a notion of stability and an irreplaceable economic factor of progress in our country.

The Bank of the Year award, given by the prestigious London-based The Banker magazine, is being awarded for the eighth time, but is now being awarded to us in a year that is in many ways different from any other. Facing the challenges of a pandemic of unprecedented proportions, Komercijalna Banka managed to protect its employees, immediately meet the needs of its customers, while noting excellent business results, and more importantly, to show leadership through unselfish help for medical heroes on the front lines.

The achieved results every year rank Komercijalna Banka at the very top of the Macedonian banking sector. The Bank builds its leadership position through professional and responsible operation, continuous financial support for the growth and development of companies and offer innovative products and services created according to customer needs. Investments in the Bank's technological infrastructure have brought the digital world of banking services closer to citizens and companies. Furthermore, the help and support provided by Komercijalna Banka for the society contributed to the advancement and improvement of the educational process, the health sector, the culture, the arts. The Bank of the Year award is proof that we are moving in the right direction.

 

What were the biggest challenges for the Bank this year in terms of the Covid crisis and how did you cope with them?

 

Certainly, one of the first challenges we faced at the very beginning of the crisis was how to ensure a smooth technological process while preserving the health of employees and customers in conditions when no one knew exactly how the virus behaved. We, the banks, regularly test possible interruptions due to various reasons, failure of computer systems, natural disasters, we have secondary locations for computer systems, we do stress testing of economic parameters. But it turned out that even that is not enough given that so far no one has ever consider what if the human factor, the resource staff is disabled to function. Recall that at the beginning of the crisis working from home was something new, the supply of laptops was limited, there were still dilemmas about wearing masks. From a current perspective, I can say that we have coped well with the whole challenge of continuity of operations in conditions of pandemic.

 

As for Covid-19 impact on customers, it had the biggest impact on the corporate sector, where it reduced or disabled the payment of wages, which also indirectly affected the household sector. The adverse economic effects of Covid-19 have been mitigated by changes introduced in the repayment of loans to citizens and companies (including a moratorium on repayments over a period of time) in order to ease the financial burden they face or could face. Komercijalna Banka also offered consumer loans with changed conditions, and we approved new corporate loans to cover the liquidity needs of the companies.

 

Given that the greatest threat from the Covid-19 virus is to the health of citizens, the Bank has introduced secure online application procedures in order to meet the needs of customers and thereby protect them not only from unnecessary financial risk, but to offer them safe and efficient execution of banking transactions without endangering their health. In order to stimulate the citizens to make greater use of the advantages of electronic and mobile banking and to avoid physical presence in the Bank, Komercijalna Banka enabled their free use, and increased the limit for contactless transactions.

 

 

How did the dynamics of lending and deposits move in the conditions of the imposed crisis?

 

The data as at September show that the Bank noted growth in both segments, ie growth was noted in both lending and deposits. Namely, the growth of loans and receivables from other clients as at September is 9.9%, while the growth of deposits is 6.9%. These are quite good data, if we take into account the circumstances under which they were realized. However, one must keep in mind the current moratorium on loan repayments, which was still in force in September and which has an impact on risk perceptions in the corporate sector. What is important in the area of ​​lending is the uncertainty about the further development of the pandemic, the operations of companies and their results in the future and, most importantly, their ability to service their liabilities after the moratorium ends. As of 01.10.2020, Komercijalna Banka, like most of the banks in Macedonia, made a new extension of the facilitated conditions for servicing the liabilities, where it was done based on a selective approach for the most affected entities, individuals and legal entities. In that sense, the effects of the crisis on the ability to service the liabilities and the capacity of the companies, as well as the individuals covered by the second delay of repayments, will be evident next year when the repayment begins. In the past, the Bank's management intended to ensure a quality balance between customer support and risk management in order to provide sustainable profitability and stability of the Bank at the same time.

 

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Komercijalna Banka received the first investment analysis from the consulting company WOOD&Company, which is the first investment analysis ever for a Macedonian joint stock company within the regional project of the European Bank for Reconstruction and Development. What is your comment on the analysis?

 

Additional confirmation for the good operation of the Bank, but, more importantly, for its future prospects, came through the published investment analysis within the regional project initiated by the Macedonian Stock Exchange with the help of the EBRD. The renowned investment company Wood Investments in its publicly announced analysis for Komercijalna Banka came out with a recommendation to buy shares of the Bank and a forecast for a price target above the current market price. Of course, the achieved financial result of the Bank in the first nine months of 2020 is noteworthy and is MKD 1,310.6 million, which is 0.8% more, compared to the profit for the same period last year and 89.1% of the planned profit.

 

 

How much did the pandemic, perhaps faster than expected, accelerate the digitalization process, both in terms of banking and user experience?

 

It is an indisputable truth that the pandemic has accelerated the process of digitalization and we can only be grateful that we have the privilege of connecting to computers or mobile phones, working and communicating virtually and all activities running smoothly. According to the data publicly available at the level of the banking system, in the first half of 2020, compared to the same period last year, we could note a significant change in the share of electronic versus paper orders in the payment operations of 3 percentage points in favor of electronic transfers. In the same reporting period, mobile payments increased by over 50%, and total transactions by cards by 11%.

As an illustration of the benefits of digitalization, I often ask my interlocutors to imagine what banks’ city-branches and branches would look like and whether anyone could handle the crowds in front of the banks if such a crisis had occurred 20 years ago. Not only would the things not be as they are now, but the pandemic victims would be much greater. In all this misfortune that has befallen mankind, it is a fortune that in many areas employees can work from home and the work process can proceed normally. Digitalization fully meets the needs of a large number of customers, and I think the user experience is at a very high level.

 

How much have customer habits changed, has there been a significant increase in the use of e-banking and other digital services?

 

As I pointed out, every day we notice an increase in the application of digital services by our customers and I can say that it is present in all digital channels, e-banking, m-banking, card operations, mobile payments. Unfortunately, we are still witnessing customers who simply cannot accept the new ways of working, even though the use of bank cards is not new at all, and who simply feel that they have to come to the bank. This includes retirees, above all, but also a number of other customers, who not only do not use basic debit cards to withdraw money from ATMs, but also do not think of paying with cards when buying in trade. This is in fact the explanation for the numerous crowds in front of the banks at the time of payment of pensions, as well as the payment of welfare. In the past, Komercijalna Banka tried in different campaigns to raise the awareness about the use of bank cards at ATMs, especially among retirees, but despite the attempts to show them individually how it works, there was resistance and lack of interest.

I want to believe that we are on the right track in the digitalization process, that maybe, in certain segments, the process is slow, but what is most important is that the general awareness of this process is at a higher level and, despite the high price that banks pay in this process, no one would even dream of reducing the engagement and commitment thereto.

 

To what extent can the collapse of one of the smaller banks that occurred this year be a threat to the overall stability of the banking sector, given the challenges imposed by the Covid crisis itself?

 

The banking system is in excellent condition. The bankruptcy of Eurostandard Banka should once again remind us of something that is sometimes forgotten by the public. The universal banks, and such are all the banks in our country, work with the funds of the depositors and one of their main functions is not only to place those funds as loans, but also to collect those loans regularly, and whenever the depositors ask for their money, they should be paid to. Therefore, when criticizing banks that they are not lending to the extent desired by loan applicants, it has to be taken into account that banks assess and measure the risk that those loans may not be repaid.

I believe that this is an individual incident and that the banking system will continue to develop in the future in a modern and stable system, which performs its role well in the economic flows.

 

Komercijalna Banka is a leader in supporting health and education

 

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What were the most important activities in the area of ​​social responsibility carried out by Komercijalna Banka in order to support the country and the economy in such conditions?

 

For years, social responsibility has been an imperative in the business policies of Komercijalna Banka AD Skopje, and every year it is upgraded with new projects and new challenges, which contribute to the Bank being recognized and accepted in society as a responsible business entity. As the Covid-19 virus pandemic sparked a crisis of unprecedented proportions, this year, Komercijalna Banka continued its leadership mission in the field of social responsibility at the highest level, helping the segments of the community most in need of support, such as health and education.

 

For the needs of the Macedonian public health, this year, the Bank provided a financial support in total amount of EUR 590,000. In March, we donated medical face masks worth about MKD 1,198,750.00, we provided financial assistance - donation in the amount of MKD 6,150,000.00 for the needs of the Ministry of Health and additional MKD 8,220,000.00 for the employees at the Clinic for Infectious Diseases and Febrile Conditions Skopje and the Institute of Public Health of the Republic of North Macedonia. With the latest donation, in the amount of MKD 20,700,855.00 for the needs of the public health institutions, Komercijalna Banka provided two ambulances, 280 oxygen concentrators intended for continuous oxygen therapy of patients with chronic lung diseases, 7,000 rapid tests for Covid-19 virus detection, 120 test reagents, as well as non-invasive single and reusable ventilation masks.

In March this year, Komercijalna Banka AD Skopje paid in advance its monthly liabilities under advance payment of profit tax for 2020. Thus, a total amount of MKD 120,000,000.00 was immediately paid, instead of the usual payment through monthly advance payments. With this decision, the Bank contributed to greater liquidity of the state and its budget, in order to increase the capacity of the authorities to provide all necessary measures and activities to protect the health of citizens and ensure continuity in the functioning of vital processes in society.

This year, Komercijalna Banka decided to allocate funds for donation of 46 laptops to students instead of representative material on the occasion of the New Year holidays. Thus, the Bank, as a socially responsible company, in conditions of a global pandemic, gave its contribution to providing accessible and quality education to children who have not had such an opportunity so far. This is not the first time Komercijalna Banka has supported the educational process in the country. So far, hundreds of computers have been donated to several schools.

In conditions of limited access of students to the teaching process, Komercijalna Banka managed to present to 500 high school students from SEPUGS "Vasil Antevski Dren" from Skopje different practical skills and knowledge on topics essential for their education, future employment and building healthy financial habits. The online lectures were held part of the School Program for Summer Internship, which is a mandatory element of the teaching curriculum in dual vocational education. It gives an opportunity to all participating students to get acquainted with and gain knowledge and skills in certain area, presented directly by an employer.







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