Procredit Bank Macedonia

What Procredit Bank Macedonia does

ProCredit Bank AD Skopje, a wholly-owned subsidiary of Frankfurt-based ProCredit Holding, is a commercial bank operating in North Macedonia since 2003/2004 with headquarters at Manapo 7, Skopje and a workforce of 101-250 employees. The bank offers a full suite of retail and corporate banking products — current accounts, savings, consumer and housing loans, green/eco loans, agro loans, working capital and investment finance, bank guarantees, letters of credit, and Visa/MasterCard payment cards — distributed through a hybrid model of physical branches, dedicated relationship managers, 24/7 self-service zones, mobile banking, e-banking, and a fully digital account opening process with 24-48 hour turnaround. It is the only Macedonian bank claiming the country's first AI-powered digital banking assistant (Predrag) and a OneID electronic identity verification platform integrated with national e-government services.

The bank's revenue model is built on traditional banking economics: net interest income from a lending book where approximately 90% serves SMEs and roughly 20% is dedicated to green financing, supplemented by transaction fees, FX commissions, card interchange, and account maintenance fees. Pricing is opaque and risk-based, with customer-specific rates rather than publicly disclosed schedules; a free basic digital package anchors the retail funnel. Customer segments span private individuals, SMEs, startups, young entrepreneurs, women entrepreneurs and agricultural businesses, served through dedicated packages (ProYOUng, ProActive, Startup, Women Entrepreneurs, ProKid) and EBRD/EU-backed programs (Women in Business, Youth in Business).

ProCredit Bank Macedonia's competitive positioning rests on a "digital bank with human touch" proposition: combining digital-first account opening and self-service with relationship banking, a Group-backed 20-year track record, EDGE Advanced environmental certification of its HQ, and specialized development-oriented lending partnerships with EBRD, EU, EIB, CEB and EFSE. Capital was most recently reinforced via a €6M private share placement by ProCredit Holding in February 2024, taking total share capital to approximately €33.8M, with a further €5M EBRD/EU facility signed in May 2026.

Name

Procredit Bank Macedonia

Legal name

ProCredit Bank AD Skopje (ПроКредит Банка АД Скопје)

Website

https://pcb.mk

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

101–250 employees

Short description

ProCredit Bank Macedonia is a commercial bank serving retail customers and SMEs in North Macedonia with a digital-first hybrid model combining online account opening, mobile banking, 24/7 zones and an AI assistant, alongside relationship-based SME lending and EBRD/EU-backed women and youth entrepreneur programs.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

akta.pro secondary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Commercial banking services
• SME lending
• Digital banking platform
• Green financing
• Entrepreneur banking programs

Headquarters

HQ city

Skopje

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Interest Income: Traditional banking revenue from lending activities including mortgages, consumer loans, business loans, and credit lines. The bank offers various credit products for both retail and corporate clients.
2. Transaction and Commission Fees: Fees from payment services including domestic and international transfers, card transactions, and account maintenance.
3. Deposit Taking and Savings Products: Revenue generated from spread between lending rates and savings deposit rates. Offers Flexi savings accounts, term deposits, and specialized savings products.
4. Corporate Banking Services: Services for legal entities including business accounts, guarantees, letters of credit, and specialized financing for SMEs through various lending programs.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

ProCredit Bank Macedonia is a commercial bank offering comprehensive banking services in North Macedonia for retail individuals, SMEs, and entrepreneurs. The bank combines relationship banking with a digital-first platform that includes mobile and electronic banking, 24/7 self-service zones, OneID digital identity verification, and the AI assistant Predrag. It provides deposit accounts, payment cards (Visa/MasterCard), consumer and corporate loans, savings products, trade finance, and specialized lending programs for youth, women, and startup entrepreneurs, including green/eco-credit facilities backed by EBRD and EU partnerships.

Product overview

ProCredit Bank Macedonia offers a comprehensive digital banking platform with a unified product portfolio for private individuals, businesses, and entrepreneurs. The core offering includes digital banking channels (e-banking, mobile app, 24/7 zones), payment cards (Visa, MasterCard), various loan products, and savings accounts. Key digital innovations include OneID digital identity platform, AI-powered Digital Assistant Predrag, and comprehensive online account opening. For business clients, the bank provides specialized packages for startups, young entrepreneurs, women entrepreneurs, and agricultural businesses, along with financing programs like Women in Business and Youth in Business (supported by EBRD/EU). The ProCredit Business Academy provides free entrepreneurial education. The product architecture follows a unified platform approach with specialized packages and programs targeting specific customer segments.

Differentiator

Problem solved

Functional benefit

Brands

• ProCredit Business Academy: Free professional education programme for small and micro enterprise owners with ambition for growth and development.
• ProBiz

Products and services

• Visa Debit Card Visa-branded debit card for everyday banking transactions with enhanced authentication for online payments, targeted at retail account holders.
• Visa Signature Credit Card Premium Visa credit card offering enhanced benefits and services for high-value retail customers.
• MasterCard Credit Card MasterCard-branded credit card for private individuals with payment options and card protection features.
• Housing Loan (Stamben kredit) Long-term mortgage loan for purchasing or renovating residential property, offered to individual retail customers.
• Green Loan with Grant up to 20% Eco-friendly loan with grant opportunity of up to 20% for green investments including solar panels, thermal pumps, and energy efficiency improvements under the GEFF program, available to both retail and business borrowers.
• Consumer Loan (Potroshuvachki kredit) Personal loan for consumer purposes including home improvements, vehicle purchase, and other personal needs, targeted at individual borrowers.
• Auto Loan (Avtomobilski kredit) Vehicle financing loan for purchasing new or used automobiles, offered to retail customers.
• Flexi Savings Account Flexible savings account with competitive interest rates and unlimited access to funds, available to retail and business customers.
• ProKid Children's Savings Savings account designed for children with parental management and child-friendly features.
• ProYOUng Package for Youth Banking package tailored for young people with special benefits and features for the youth segment.
• ProActive Package Premium banking package with comprehensive banking services and enhanced benefits for retail customers.
• Business Loans for Fixed Assets Investment loans for business clients to finance fixed assets, equipment, and long-term capital investments.
• Working Capital Loans

Quantifiable outcome

• CO2 emissions reduced by 18,000 tons equivalent through green financing
• +3 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability4 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Alphabet GroupcoreImplementation/ SI/ Consulting PartnerRegional consulting company engaged as mentors and trainers for ProCredit Business Academy. Five modules covering internal entrepreneurship, communication skills, financial concepts, digital transformation, and sales for small businesses. Mentors include Sandra Savanovic-Stevanovic, Aleksandar Petrovic, Larisa Spuren-Saric, Momir Djekic, and Gojko Rodic.
• OneIDcoreTechnology or IntegrationDigital identity platform integrated with ProCredit Bank services, enabling electronic identity verification without physical documents. Also integrated with government e-services (e-Vlada), telecommunications providers, and other private services for seamless digital banking experience.
• UKIM Business Accelerator (BAU)minorStrategic or Co-development PartnerCollaboration with university accelerator for Design Thinking workshops and startup ecosystem support. Aleksandar Stamboliev (CEO) and Nikola Ognenovski (Portfolio Manager) serve as experts for entrepreneurship programs.

Scale indicators10 records

Recent moves7 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@procreditbankmacedonia2647
• Facebookfacebook.com/ProCreditBankMacedonia
• LinkedInlinkedin.com/company/procredit-bank-macedonia
• Instagraminstagram.com/procreditbank_macedonia

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Procredit Bank Macedonia