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Individuals
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Payment account
Payment account with basic functions
Payment account with basic functions for users of rights
Documents related to the new law on payment services
Information about the Law for Pagesave Services and the Pagesave System
Overdraft
Digital services
E-Banking
MY Unibank mobile application
General conditions for using services in electronic services
Online application
Deposits
Deposit Fix
Smart Deposit Account
Children's savings
Loans
ONLINE Consumer Loan
Consumer Loan
Housing Loan
Mortgage Loan
UniPLus Loan
Calculator
General conditions for consumer credit, revolving credit used with credit cards and permitted overdraft
Cards
Debit cards
Credit cards
Other services and benefits
User support
Contact
Frequently asked questions
Card security
Legal entities
Аccounts
Packets
Payment account of residents
Non-resident Transaction Account
Overdraft
Deposits
Deposit package - Golden 5ka
Deposit package - Golden 10
Deposit package - Golden 15ka
Applicable interest rates
Product on view
Credits
Framework loans
Investment loans
Working capital credits
Allowed overdraft
Credit lines
Business credit cards
Super fast business loan with a fixed interest rate
Mortgage Business Credit
Calculator
Cards
Business Debit Cards
Credit cards
Other services and benefits
Customer support
Guarantees and letters of credit
Bank guarantees
Letters of credit
Inkaso (Loro)
Apply
Digital services
E-banking
Mobile banking
Online application
General conditions for using services in electronic services
Alternative billing channels for a PL-POS network
Physical POS terminals
Virtual POS terminals
Investment gold
Gold Bars
Gold Coins
Live prices
Contact us
News and media
News and announcements
Promotions
Vlog
UNIMagazine
About Us
Financial report
Investor Relations
Shareholders assembly
Годишно Собрание
Донесени одлуки Вонредно СА 11.01.2019
Донесени одлуки Вонредно СА 17.10.2022
Донесени одлуки Вонредно СА 27.08.2018
Донесени одлуки Вонредно СА 30.12.2019
Донесени одлуки СА 04.05.2023
Донесени одлуки СА 12.06.2020
Донесени одлуки СА 17.05.2018
Донесени одлуки СА 17.06.2019
Донесени одлуки СА 26.05.2021
Донесени одлуки СА 31.05.2022
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Историја
2022
The bank successfully issued the second perpetual bond
2021
A new product has been introduced - Trading with investment gold, making Unibanka AD Skopje the first bank on the Macedonian market to offer this financial service.
2020
The bank received recognition for its special contribution to the development of the Faculty of Economics - Skopje
2019
The Bank made a pioneering step in the Macedonian financial market and issued the first perpetual bond
Private equity listing of EUR 5 million.
2018
Total assets of the Bank recorded the highest growth in the banking sector at 26%
2013
The Bank receives the Best Bank of the Year award in the field of financial services awarded in Oxford, England by the European Business Assembly
The Bank started listing on the official market of the Macedonian Stock Exchange
2012
International Finance Corporation (IC) approved a credit line to UNI Bank as an emission bank in the IC program to finance the trading operations of import and export companies - clients of UNI Bank
2008
The Bank receives recognition for the best bank with smaller assets in Macedonia from the reputable economic magazine "Finance Central Europe" from Great Britain-London
2006
The Bank passes from small to medium bank, according to the assets
2003
Ownership transformation of the Bank's share capital has been performed.
New issue of shares in the total amount of EUR 2.0 million.
Change in the structure of the Bank's share capital by 78.8%.
Intensified activities to improve bank operations in line with with new strategy.
The Bank's new name is Universal Investment Bank ad Skopje or UNI Bank.
Bank has permission to perform all banking activities under the Banking Law.
1993
The bank is established under the name Balkan Bank ad Skopje
According to the registration, the Bank performed all banking activities.
Организациона структура
Менаџмент
Management board
Vladislav Hadjidinev
Member of The Board of Director/ Executive Officer
Mr. Vladislav Hadjidinev joined the Bank in 2015 as Executive Officer and Member of the Board of Directors of UNIBank AD Skopje. With the change in the organizational chart in 2016, Mr. Hadjidinev was appointed Chief Financial Officer, Member of the Board of Director and Executive Officer. Since May 2019, with the new organizational chart, Mr. Hadjidinev has been performing the functions of Executive Officer and Member of the Board of Directors. Before that, Mr. Hadjidinev was part of First Investment Bank AD Sofia, Bulgarian National Bank and Advi Corp in London. In his career, he has gained experience in Private Banking, Investment Portfolio Management and Securities Trading. Mr. Hadjidinev is responsible in the Bank for the operation of: Finance and Accounting Unit, Risk Management Unit; Problematic Placements Management Unit; Information Technology Unit; Payment Systems Unit, Card Operations Unit and Credit Administration Unit. Mr. Hadjidinev does not hold other positions except the positions in the Bank.
Milka Todorova
CEO/President of the Board of Directors
Mrs. Milka Todorova started working at Universal Investment Bank AD Skopje - UNI Bank in 2011 as a member of the Supervisory Board, a position she held until 2018. Since 2019, Mrs. Milka Todorova has been performs the functions of Executive Officer and President of the Board of Directors of UNIBank AD Skopje, and with the changes to the by-laws, she performs the functions of Chief Executive Officer and President of the Board of Directors of UNIBank AD Skopje. Mrs. Milka Todorova is responsible in the Bank for the operations of: Legal Affairs Unit, Regulatory Compliance Control Service, Money Laundering and Terrorist Financing Prevention Service, Corporate Banking Unit, Retail Banking Unit, Credit Center Unit, Human Resources Unit and Marketing and Advertising Unit. Before joining the bank, Mrs. Milka Todorova worked and held several positions in First Investment Bank AD Sofia as: credit expert for corporate banking, deputy corporate banking officer, Retail Lending Unit Officer as well as a member of the Board of Directors. Also in the period 2013-2014 she was the executive officer of Unionbank AD Sofia. Mrs. Todorova is an independent member of the supervisory board of International Card System AD Skopje.
Delcho Krastev
Member of The Board of Director/ Executive Officer
Mr. Delcho Krastev started working at Universal Investment Bank AD Skopje - UNI Bank in 2003 as Corporate Lending Unit Officer. In 2008, Mr. Krastev was appointed Executive Officerr and Member of the Board of Directors of UNI Bank AD Skopje, and he held this position until 2016. With the change in the organizational chart in 2016, Mr. Krastev was elected and appointed as Chief Lending Officer, Member of the Board of Directors and Executive Officer. Since May 2019, with the new organizational chart, Mr. Krastev has been performing the functions of Executive Officer and Member of the Board of Directors. Mr. Delcho Krastev is responsible in the Bank for the operations of: Strategic Clients Unit, Branch Network, Treasury Unit, Security, Non-Banking Activities Service and Contact Center Service. Before joining the Bank, Mr. Delcho Krastev worked as Credit inspector at First Investment Bank AD Sofia. Mr. Krastev does not hold any positions other than the positions in the Bank.
Supervisory Board
Svetozar Popov
President
First Investment Bank, Sofia, Bulgaria
Мember of the Board of Directors, Executive Director and Chief Risk Officer of First Investment Bank AD Sofia, Bulgaria.
Ralitsa Bogoeva
Member
First Investment Bank, Sofia, Bulgaria
Мember of the Board of Directors and Executive Director of First Investment Bank AD Sofia, Bulgaria.
Janko Karakolev
Member
First Investment Bank, Sofia, Bulgaria
Member of the Board of Directors and Chief Financial Officer of First Investment Bank AD Sofia, Bulgaria and member of the Board of Directors of First Investment Bank AD, Albania.
Konstantin Arnaudov
Member
First Investment Bank, Sofia Bulgaria
Chief Corporate Banking Officer of First Investment Bank AD Sofia, Bulgaria.
Nikolay Dragomiretski
Member
Ekobulteks AD Sofia
Manager and member of the Board of Directors of Ekobultech AD Sofia, Bulgaria.
Dejan Knezovikj
Member
Law Office Knezovikj and Associates, Skopje
Managing partner at the Law Office Knezovikj and Associates Skopje, Republic of North Macedonia
Сопственици и акционери
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+389 2 3111 111
+389 2 3224 162
info@unibank.com.mk
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