Investor
Public Offering Characteristic
| Public Offering Characteristic | Details |
| Issuer | IUTE CREDIT MACEDONIA Financial Company DOOEL Skopje |
| Instrument Type | Senior Unsecured Corporate Bonds, First Issue |
| Total Nominal Value of the Issue | EUR 3,000,000 (three million euros) |
| Number of Bonds | 30,000 bonds with a nominal value of EUR 100 per bond |
| Nominal Value per Bond | EUR 100, payable in MKD equivalent calculated at the NBRNM middle exchange rate on the payment date |
| Minimum Investment | 1 bond = EUR 100 |
| Interest Rate (Coupon) | Fixed annual interest rate of 8.50% |
| Tenor | 5 years, calculated from the date the bonds are registered with the Central Securities Depository |
| Principal Repayment | Bullet repayment at maturity. The principal is repaid in full together with the final interest payment. |
| Early Repayment | At the Bondholder’s request, after 3 years from the successful completion of the issue, at par value plus accrued interest. |
| Interest Payments | Annually, commencing 12 months after issuance. Interest is calculated on an Actual/Actual basis. |
| Start of Public Offering | 5 August 2026 |
| End of Public Offering | 2 November 2026 |
| Sales Method | Public offering through the Macedonian Stock Exchange AD Skopje using a minimum price auction model, with priority given to orders with higher prices, larger quantities, and earlier entry time in the BEST trading system. |
| Subscription Price | EUR 100 per bond (100% of the nominal value) |
| Use of Proceeds | • Diversification of funding sources • Optimization of the Company’s funding costs |
| Listing and Governing Law | Laws of the Republic of North Macedonia, including the Securities Law and the Company Law. |
| Authorized Intermediaries for Subscription | Komercijalna Banka AD Skopje Securities Services Division, Orce Nikolov Street 3, 1000 Skopje +389 (2) 3247 431 | +389 (2) 3247 440 | +389 (2) 3168 324 |
| Stopanska Banka AD Skopje – Securities and Brokerage Services Division 11 Oktomvri Street 7, 1000 Skopje +389 (2) 3295 405 | +389 (2) 3295 406 | +389 (2) 3295 407 |
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| NLB Banka AD Skopje – Securities Services Department, Mother Teresa Street 1, 1000 Skopje +389 (2) 5100 351 | +389 (2) 5100 352 | +389 (2) 5100 354 | +389 (2) 5100 357 | +389 (2) 5100 387 |
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| TTK Banka AD Skopje – Securities Department, Naroden Front Street 19A, Skopje +389 (2) 3247 000 (Extensions: 495, 496, 497) |
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| Investbroker AD Skopje Istarska Street 33, 1000 Skopje +389 (2) 3110 280 |
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| Eurohaus AD Skopje St. Kliment Ohridski Blvd. 52A, Entrance 1, Floor 2, Unit 5 (Arcadia Building), 1000 Skopje +389 (2) 3217 093 | +389 (2) 3217 095 |
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| Ilirika Investments AD Skopje St. Kliment Ohridski Street 45, Floor 1, Unit 8, 1000 Skopje +389 (2) 3296 853 |
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| Inovo Broker AD Skopje Teodosij Gologanov Blvd. 60/1-4, 1000 Skopje +389 (2) 3120 941 |
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| Sparkasse Bank AD Skopje – Securities Services Department Makedonija Street 34, Centar, Skopje +389 (2) 3200 785 | +389 (2) 3200 582 | +389 (2) 3200 586 |
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| Fersped Broker AD Skopje Makedonija Street 11-A, 1000 Skopje +389 (2) 3219 310 |
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| Halk Bank AD Skopje St. Cyril and Methodius Street 54, Skopje +389 (2) 3285 628 | +389 (2) 3285 728 | +389 (2) 3285 450 |
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