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          MEGA INTERVIEW




                     With the merger of Ohridska Banka, Sparkasse Bank Makedonija we have an in-
                     creased lending capacity and thus be able to cover a much greater portion of the
                     financing  requirements  of  the  leading  North  Macedonian  companies.  For  inter-
                     national and EU companies and investors active in North Macedonia, Sparkasse
                     Banka Makedonija will, with its expertise and outreach, be a natural partner for
                     their business



          work of ATMs at approximately 100 lo-   Banka,  Sparkasse  Bank  Makedonija
          cations around the country. I am very  we have an increased lending capac-
          proud of these increased figures and  ity and thus be able to cover a much
          of the people and their achievements  greater  portion  of  the  financing  re-
          who are responsible for this success.   quirements  of  the  leading  North
                                                  Macedonian  companies.  For  interna-
               What will be the position of Spar-  tional  and  EU  companies  and  inves-
          kasse Banka Makedonija on the Mace-     tors active in North Macedonia, Spar-
          donian banking market now?              kasse Banka Makedonija will, with its
                                                  expertise and outreach, be a natural
             G.  Bucher:  I  am  pleased  that  we  partner for their business.
          almost tripled our presence in North       For  retail  customers  as  well  as
          Macedonia and established ourselves  small and medium size enterprises we
          as a referential banking group for the  intend to continue to develop modern
          country. Sparkasse Banka Makedonija  and  digital  banking  products  and  to
          entered the group of large banks and  fully  focus  on  quality  and  customer
          is now taking the 4th position on the  service.
          banking  market  -  in  the  corporate
          segment 2nd largest and in retail seg-       What kind of support in terms of
          ment 3rd position                       new services should bank’s customers
                                                  expect after the integration?
                How  do  you  assess  the  achieve-
          ments of Sparkasse Banka Makedonijа        G.  Bucher:  We  will  work  on  the
          so far? What is the strategic view of  expansion  of  the  digitalization.  We
          Sparkasse Group for Sparkasse Banka  aim  to  bring  the  Group-wide  net-
          Makedonijа  regarding  its  future  ac-  banking  platform  called  “George”  to
          tivities?                               North  Macedonia  in  near  future.  By
                                                  being  part  of  Erste  Group  and  Stei-
             G.  Bucher:  The  performance  of  ermärkische  Sparkasse,  Sparkasse
          Sparkasse  Banka  Makedonija  is  on  a  Banka Makedonija will serve also big
          satisfactory  level.  We  see  growth  in  international and local corporate cli-
          loans and assets in the past years, our  ents in all their financial needs.
          retail deposits are increasing which is    We  are  already  offering  FIT  Pay-
          a good sign of trust in our Sparkasse  ments  (quick  and  cost-effectively
          brand, and we have lowered our non-     cross-border  transfers  within  the  Er-
          performing  loans  compared  to  the  ste Group and the Savings Bank Group)
          years before. Having in mind the last  and free of charge service at all ATMs
          years pandemic situation, which had  of  our  Group  institutes  (7,600  ATMs
          for sure effect on the overall economy  of  our  Group  institutes  at  home  and
          of North Macedonia, we are very sat-    abroad;  11  countries  –  1  service).  We
          isfied  with  the  results  of  Sparkasse  will  also  work  on  our  future  branch
          Banka Makedonija.                       service model – our aim is more digi-
             With  the  merger  of  Ohridska  talization also in our branch network.


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