Development Bank of North Macedonia JSC Skopje

Производи

Export Credit Financing

Beneficiaries
Potential beneficiaries of export credit financing are export oriented trade companies registered in the Republic of North Macedonia, the capital of which is more than 51% privately owned.

Purpose of Loans
Providing working capital for pre-shipment export finance or bridging the period between export and collection of payment from the foreign buyer.
The loan shall cover 85% of the accounting value of the exports and the exporter shall provide 15% of the funds by own or miscellaneous sources.

General Terms and Conditions 

 

Loan amount:

Via Intermediary Banks:
Minimum amount: EUR 15,000
Maximum amount: EUR 2,000,000

Via DBNM:
Minimum amount: EUR 15,000
Maximum amount: EUR 1,000,000
Repayment period: Up to 2 years
Fixed interest rate for
the final borrower:		 6% p.a.
Variable interest rate for
the final borrower:		 3,75% p.a. (at the moment)
Fee: Up to 1% one-off
Final borrower: Companies which are more than 51% in private ownership
Manner of repayment: Quarterly, monthly, or depending on the inflows from the export in DBNM
Priority final borrower:
  • Entities which have concluded export agreements
  • Entities which insure their export
Bans and exclusions:

Financing of :

  • Production and export of weapons
  • Gambling and related equipment
  • Activities which have adverse impact on environment
  • Cloning
Collateral:
  • Mortgage of property
  • Pledge on movables, receivables, securities, insurance by DBNM 
  • Other customary collateral

Loan Approval Procedure
1. The borrower shall  submit the loan application in an intermediary bank or directly to DBNM. For submitting the application directly to DBNM, it is required to fill in the export credit financing forms.
2. The intermediary bank or DBNM shall process the loan application and shall make decision  (in case  the loan application is submitted to the intermediary bank, the decision of the bank must be confirmed by DBNM) 
3. Loan agreements shall be concluded and funds shall be disbursed for the approved loan applications

Required Documents
1. Loan application /Loan application form for direct support
2. Estimate of the export arrangement effects, including entry cost accounting, together with a time period and dynamics of occurrence, and a time period of claim collection from the foreign buyer 
3. Company information from the Central Registry of the Republic of North Macedonia
4. Copy of the proof for ownership of the offered collateral and its evaluation
5. Annual statements for minimum of the last two years
6. Copy of the concluded export agreement
7. List of largest debtors and creditors to the final borrower
8. List of the management bodies’ members, size of company, number of employees, parts of the entity in the country and abroad
9. Other documents in compliance with the business

Intermediary Banks

HALKBANK AD SKOPJE HALKBANK AD SKOPJE
Credit Depart.: 02/3240-844
Operator: 02/3240-800
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www.halkbank.mk/
SPARKASSE BANK Macedonia AD SKOPJE SPARKASSE BANK Macedonia AD SKOPJE
Credit Depart.: 02/3200-528
Operator: 02/3200-500
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www.sparkasse.com.mk/
KOMERCIJALNA BANKA AD SKOPJE KOMERCIJALNA BANKA AD SKOPJE
Credit Depart.: 02/3168-504
Operator: 02/3168-168
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www.kb.com.mk/
NLB BANKA AD SKOPJE NLB BANKA AD SKOPJE
Credit Department: (micro) 02/510-949
(SME) 02/5100-638
(large companies) 02/5100-836
Call Center: 02/15-600
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www.nlb.mk/
OHRIDSKA BANKA AD OHRID OHRIDSKA BANKA AD OHRID
Credit Depart.: 02/3203-717
Operator: 046/206-600
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.ob.com.mk/
EUROSTANDARD BANK AD SKOPJE EUROSTANDARD BANK AD SKOPJE
Credit Depart.: 02/3249-420
Operator: 02/3228-444
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www.eurostandard.com.mk/
STOPANSKA BANKA AD BITOLA STOPANSKA BANKA AD BITOLA
Credit Depart.: 047/207-522
Operator: 047/207-500
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www.stbbt.com.mk/
STOPANSKA BANKA AD SKOPJE STOPANSKA BANKA AD SKOPJE
Credit Depart.: 02/3295-524
Operator: 02/3295-295
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www.stb.com.mk/
UNI BANK AD SKOPJE UNI BANK AD SKOPJE
Credit Depart.: 02/3286-025
Operator: 02/3286-100
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.unibank.com.mk/
TTK BANK AD SKOPJE TTK BANK AD SKOPJE
Credit Depart.: 02/3236-456
Operator: 02/3236-400
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.ttk.com.mk/
CENTRAL COOPERATIVE BANK AD SKOPJE CENTRAL COOPERATIVE BANK AD SKOPJE
Credit Depart.: 02/3249-360
Operator: 02/3249-302
This email address is being protected from spambots. You need JavaScript enabled to view it.
www.ccbank.mk/
PROCREDIT BANK AD SKOPJE PROCREDIT BANK AD SKOPJE
Credit Depart.: 02/3219-927
Operator: 02/3219-900
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www.procreditbank.com.mk/
DBNM AD SKOPJE DBNM AD SKOPJE
extensions: 115
224
123
02/3115-844
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www.mbdp.com.mk/

Second Tranche Disbursed of EIB V Credit Line in amount of EUR 16 million                                Financial Agreement Signed with EIB of EUR 100 million - Phase V                                Export Factoring Interest Rate Lowered from 5% to 4%.                                Loans for ACCOMMODATION FACILITIES.                                AGRO-INDUSTRY Loans with interest rate of 2% ONLY!                                Reduce the risk, insure the sale! Unique opportunity to secure domestic and export receivables.                                Special Credit Guarantee Scheme.
Euribor
Exports Forms
 
Business Plan
Intermediary Banks
Links
Contact