Halkbank A.D.


HALKBANK is one of the biggest and strongest brands in the Macedonian financial market.

As the fastest growing bank in the market, Halkbank AD Skopje today also means:

  • The fourth largest bank on the market with assets, amounting to 935 million euros.
  • The fourth largest bank with a profit of € 11.4 million.
  • Presence throughout the country, offering customer service through a wide branch network that includes 43 branches.
  • Employment for over 570 employees.
  • Wide ATM network of 133 ATMs.
  • A network of over 7,000 POS terminals available to numerous trading partners.
  • Serving thousands of citizens as well as small, medium and corporate enterprises and public institutions.
  • Leaders in offering personalized banking services, as well as introducing new technologies and providing fast service through a highly developed, modern alternative channel platform.
  • A socially responsible company dedicated to enhancing the common good of people, nature, the environment, culture and sports.

The bank offers a wide range of financial services including personal banking, credit cards, home loans, consumer loans, savings, business loans, as well as payment operations at home and abroad.

Our Vision

Our vision is to be the leading regional bank that is capable of fulfilling all the requirements of universal banking while affirming a strong presence in retail services.

Our Mission

Our mission is to create value for our customers, shareholders and employees by effectively delivering all banking services; be aware of our corporate social responsibility and duty; to contribute to the development of the banking sector and the capital market; and to achieve a respectable market position in the region.

Our Corporate Values

  • Customer orientation
  • Reliability
  • Integrity and respect
  • Righteousness , trust and transparency
  • Operational efficiency  
  • Innovation
  • Creating values
  • Productivity
  • Openness to change
  • Sharing knowledge and experience
  • Social responsibility awareness

HALKBANK– meaning of the name: Bank of the People

Our slogan: People are important

Our main principles

  • Offer great service to our customers, suggesting the best solutions for their needs.
  • Create and apply a successful corporate culture, giving importance to every member of the team we build.

Halkbank A.Ş.

HALKBANK Turkey (Turkiye Halk Bankası A.Ş.)

With its global vision, Halkbank serves customers with 1000 domestic branch locations, 6 overseas branches, 1 country management, 3 overseas representative offices, 4,051 ATMs, telephone and internet banking channels, mobile banking applications, innovative products and services. Halkbank was founded in 1938 to support craftsmen and tradesmen and to accelerate the country’s economic development. The core business strategy of Halkbank has not changed during its 82-year history. Halkbank sees every craftsman, farmer and small, medium-sized or large enterprise owner that creates value and generates employment as a business partner. The Bank firmly believes that it has a responsibility to support these economic producers with its entire financing capability, both in good days or bad. Allocating 39,5% of the Bank’s total loan portfolio to SMEs, Halkbank continues to be their primary supporter in Turkey. The Bank’s innovative products and services provide customers with an unparalleled banking experience. Halkbank ranks among the most efficient banks in the sector, in terms of return on equity. The Bank’s controlling shareholder is the Turkey Wealth Fund with an equity stake of 51.10604% . Halkbank is a steadily growing institution that ranks among the longest established, pioneering and most respected brands in progressing Turkey.

    Prominent position in the Turkish banking sector:

  • Third largest bank in terms of total assets, second largest bank in terms of total loans and total deposits,
  • Third largest bank in terms of developed branches network and employees, with at least one branch in each city in Turkey,
  • Strong and stable deposit base,
  • Effective alternative delivery channels,
  • Widespread customer base,
  • Strong position in all sectors of banking with established banking practices,
  • Strong capitalization,
  • Nationwide and International credibility,
  • SME Bank of Turkey:
  • Trademark in SME banking,
  • Historical banking relationship,
  • Recognized and respected brand name,
  • Wide range of specially designed products



  • 2019

    Award for contribution to the development of entrepreneurship in Central and Southeast Europe "Creators of the Century" for 2018.

    Story Award for socially responsible company.

    Super Brand for 2019.

    Launched HalkEco application in order to raise the ECO awareness of the people, motivating people to maintain a healthy life and as a reward, gives them personal gifts. As part of this ECO project, the bank has planted over 6,500 trees throughout the country.

  • 2018

    New corporate slogan.

    Official sponsor of National Handball Federation

    Bought an Insurance company – Halk Insurance Skopje

  • 2017

    Was awarded as the "Best SME Bank in Macedonia for 2017" by the world's leading magazine Global Banking & Finance Review.

    Halkbank AD Skopje has been selected as Superbrand in Macedonia for 2017/18 by the International Organization “Supebrands”.

  • 2016

    Ranked among the top 100 SEE banks by assets.

    Introduced its mobile applications for e-banking for individuals and legal entities making another step towards improving customer experience.

    Was certified according to highest-ranking international standard for information security regarding processing payment cards PCI DSS v3.1.

    In December 2016, Halkbank AD Skopje implemented the highest standards for security and safety in internet payments in the country and abroad, 3D Secure –Verified by Visa – VbV, and MC Secure Code protocol.

  • 2015

    Halkbank AD Skopje introduced new platform for e-banking that combines the best from technology and contemporary banking trends and enables clients to get all banking services with only a few clicks.

  • 2014

    Halkbank AD Skopje became a proud, general sponsor of the Macedonian Basketball Federation.

  • 2013

    Opened the first Macedonian representative banking office in Belgrade, Serbia and was the first Macedonian bank which launched MASTER CARD PayPass contactless payment cards.

  • 2012

    HALKBANK AD Skopje established its own card processing system – first on the Macedonian market to offer contactless payment to clients; acquired Ziraat Bank AD Skopje and opened the first VIP Corporate Branch on the Macedonian market.

  • 2011

    HALKBANK AD Skopje purchased the majority of the shares in IK Banka amounting up to 91.56%; completed the rebranding process and enlarged its principal with MKD 1,465,450,000.00.

  • 2010

    Obtained two new certificates: MASTER CARD certificate for POS payments and e-commerce and ISO 9001:2008 certificate for quality.

  • 2009

    Became the first Bank in Macedonia which offers e-commerce services for VISA CARDS holders.

  • 2008

    Established its own POS Terminal Network for VISA Payment Cards and it was the first bank to launch VISA GOLD Credit Card.

  • 2007

    Was awarded Best Bank in Macedonia for 2007 by the Finance Central Europe magazine from London.

  • 2006

    Introduced the prestigious ISO Standard for Information Security Management, ISO 27001:2005, thus becoming one of the few banks in Southeast Europe having incorporated this certificate.

  • 2005

    Introduced the EN ISO 9001:2000 International Quality Management System, thus becoming the first bank in Macedonia certified with International Quality Management System.

  • 2004

    Became the first bank which implemented e-banking on the Macedonian market and was awarded Bank of the Year by the Macedonian Chamber of Commerce.

  • 1998

    Became the first Western Union authorized agent in Macedonia.

  • 1993

    HALKBANK AD Skopje was established as a joint stock company.

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