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CONTACT INFORMATION:
STOPANSKA BANKA AD - SKOPJE

 

24 hours CONTACT CENTER (02) 3100 109

 

address:
11 Oktomvri 7, 1000 Skopje, Republic of Macedonia

fax:
+ 389 (02) 3114 503 

e-mail:
kontaktcentar@stb.com.mk

 


 

 

Letters of guarantee / Letters of credit

 

CHARACTERISTICS OF LETTERS OF GUARANTEE FOR SMALL BUSINESS COMPANIES
Type of guarantee
  • Payment 
  • Performance
  • Bid (tender)
  • Other
Amount

Up to EUR 200,000

Currency

MKD / EUR and others, depending on the client’s needs

Commissions when collateral is mortgage or pledge 

Payment and Performance guarantee

  • Quarterly 1,2% of the amount, min. MKD 3.000
  • Monthly 0,4% of the amount, min. MKD 1.000

Tender  guarantee

  • Quarterly 0,6% of the amount, min. MKD 1.500
  • Monthly 0,2% of the amount, min. MKD 600
Commissions when collateral is deposit or guaranty by first class Bank

Payment and Performance guarantee

  • Quarterly 0,3% of the amount, min. MKD 3.000
  • Monthly 0,1% of the amount, min. MKD 1.000 

Tender guarantees

  • Quarterly 0,2% of the amount, min. MKD 1.500
  • Monthly 0,07% , of the amount, min. MKD 600
Changes in conditions
MKD 2.000
Application fee
  • MKD 1.000
  • N/A if is issued within the credit line
Management fee None
Collataral
  • Property
  • Deposit
  • Bill/s of exchange

Loan / collateral ratio depends on the solvency of the company and the location of the property

Required Documentation  for Application
  • Application for guarantee
  • Original registration document and authorised signature from the Central Register
  • Official financial statements for the last 3 years
  • Interim financial statements
  • Valid documents for appraisal
  • Tender documentation / pro-forma invoice / agreement and other documents depending to the terms and conditions of the guarantee

 

 

CHARACTERISTICS OF LETTERS OF CREDIT FOR SMALL BUSINESS COMPANIES
Type of product

Letter of credit (usually  included in line of credit)

Purpose Payment in abroad
Currency

EUR/ other, depending on the client’s needs

Tenor
  • Unlimited (usually  90days)
  • Up to 12 months, if the letter of credit is opened within credit line
Commissions

When collateral is mortgage or pledge

  • Quarterly 1,2% of the amount, min. MKD 3.600

 

When collateral is deposit or guaranty by first class Bank 

  • Quarterly 0.3% of the amount, min. MKD 1.800
Expenses MKD 900 (for SWIFT, fax…)
Change in conditions MKD 1.200
Application fee
  • MKD 1.000
  • N/A if letter of credit is opened within the credit line
Management fee None
Appraisal fee
  • MKD 5.000 (only for the first appraisal)
Collateral
  • Property
  • Deposit
  • Bill/s of exchange

 Loan / collateral ratio depends on the solvency of the company and the location of the property

Required Documentation  for Application
  • Application for Letter of credit
  • Original registration document and authorised signature from the Central Register
  • Official financial statements for the last 3 years
  • Interim financial statements
  • Valid documents for appraisal
  • (Pro) invoice / agreement and other documents depending to  the terms and conditions of the letter of credit
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