1. Rulebook on the Operation of Klirinski interbankarski sistemi AD SKOPJE Clearing House

Rulebookon the Operation of Klirinski interbankarski sistemi AD Skopje Clearing House defines the rules under which KIBS provides its services, regulates the conditions for membership joining/dropping out, protection of information, time of execution of services, compensation for the service provided, and rules on telecommunication access.

2. Security Policy of the information system

The Security Policy of the information system   sets the fundamental goals and principles for establishing a security management information system, compliant with the requirements of the standards.

3. Quality Policy

With the Quality policy  KIBS puts an accent to the importance of efficient and reliable clearing of small interbank payments, fulfilment of its obligations and partner relationship to any participants in the services for participation in the maintenance and development of the interbank system while providing a high level of reliability and safety.

4. Rulebook on Technical and Organisational Measures for Ensuring Secrecy and Protection of Personal Data in KIBS

The Rulebook on Technical and Organisational Measures for Ensuring Secrecy and Protection of Personal Data in KIBS assigns technical and organisational measures for ensuring secrecy and protection of personal data processing applied by the controller, i.e. processor of a collection of personal data. By its activity and subject of operation, KIBS is a controller and processor of a collection of personal data in line with the Law on Personal Data Protection.


Telecommunication connection of KIBS members is made through:
        - Telecommunication network the administrator of which is KIBS (KIBS-FiNET); Dial-up connection;
        - Internet;
        - Other networks.

KIBS-FiNET is a telecommunication network of a closed group of users for exchanging data with KIBS, leased from telecom operators.

The administrator of the network is KIBS-FiNET, which:
        - Defines and maintains the address structure of the net;
        - Mediates with conclusion of agreement for a corresponding service level between the participants and users and telecom operator/operators;
        - Makes assessment of the preparedness of the participants and users for connecting to KIBS-FiNET.

Based on the Maintenance Contract signed individually with every member, KIBS as the administrator of KIBS-FiNET may configure and monitor with the members the operation of the equipment interfaced to KIBS-FiNET. Protection of the network on the side of the members is the responsibility of a respective member.

The administrator of KIBS-FiNET may make change of technical conditions for the operation of the network for which it is obliged to notify the members not later than 3 months before the change enters into force.

Open-access services are organised and executed via Internet.

When providing services with a limited access, communication has protection mechanisms incorporated and an authorised access by the user, who logs in using the electronic certificate.

Successful work

KIBS AD Skopje continues with the successful work and positive growth in terms of financial results, scope of work, customer satisfaction and service, and commitment of the management board, management and employees. Success in the operation due to the excellent cooperation with the customer services, the monitoring of the financial sector and responding appropriately to changes and challenges, monitoring and development of information technology, maintaining and raising the level of automation of processes and the application of modern technologies, commitment and concern for the needs and requirements of users and the application of international standards activities.

Informations about Digital certificates

+ 389 (02) 3297 444 + 389 (02) 5513 444
fax:+389 2 3297 497

Direct Debit
KIBS AD Skopje application solution developed to simulate the process of direct debit  under the rules, practices and standards of SEPA. KIBS has signed an agreement with the European Payments Council to use the licenses to the rules, procedures, standards and formats schemes for direct debit. The Simulator is available to all interested parties and they can participate in the role of a bank, debtor or creditor. For more information please contact the e-mail:
Macedonian Credit Bureau AD Skopje

Macedonian Credit Bureau AD Skopje is the first private credit bureau in the country, founded by KIBS AD Skopje.

It`s main function is providing collection and processing data for the entity liabilities and other information determined by the Law of Credit Bureau, in order to provide debt reports and regularity in obligation accomplishment of the entities.

The product of Macedonian Credit Bureau is Report.

For more information please contact the:
phone.:+389 (0)2 3251 280
fax: +389 (0)2 3251 290