Halkbank AD Skopje is a steadily growing brand which operates with a global vision through innovative products and services. The Bank was established on 15.03.1993 as a joint stock company to perform universal banking operations in the Republic of Macedonia, including deposit collection, corporate and retail lending, foreign exchange operations, domestic and foreign payments, trading of fixed income instruments, and trade finance. Innovation in new products and services is one of Halkbank’s strongest features. Being the first down scaling bank, creating products and services for micro clients made Halkbank AD Skopje the leader in broadening the vision of the banking system in Macedonia. Wanting to get closer and provide fast and affordable service to its clients, Halkbank AD Skopje established the principal of multi functional branch efficiency and became the first bank that changed the mode of operating from product oriented to client oriented. Focusing up front on four areas: strategy, organizational structure, branch efficiency and sales process, has made Halkbank AD Skopje the first bank that reoriented its servicing process from teller to seller Halkbank AD Skopje is using a marketing approach which is generating more satisfied clients by introducing the principal of client relationship, building firm and long lasting relationship with its clients. The Bank has a wide national and international network consisted of 41 operating branches in Macedonia and correspondent relationships with many foreign banks. Halkbank AD Skopje has a significant reputation and recognition as a reliable, customer oriented, innovative and growing bank on the Macedonian market. The image of the bank is being fulfilled by the perception of a company that is, as well, social and Eco- responsible. Since its presence in Macedonia, Halkbank AD Skopje has constantly given its support to many socially concerned segments, sports, culture and environment.