FIELD VISIT AT HALKBANK FOR LAW STUDENTS

IBU law students of 2nd and 3rd year had a great opportunity to visit the main branch of Halkbank placed in Skopje. This visit was organized for the students within the courses – Law of Obligations-special provisions and Civil Procedural Law. A very comprehensive and highly informative lecture was delivered to the students by the Chiefs of the Risk Management Department, Legal Affairs Department and Human Resources Department. Firstly, a brief historical overview of Halkbank was given to the students, including the development and the enormous success the bank had in recent years. Secondly, the organization structure of Halkbank was presented to the students with brief explanations of the composition and methods of work of the Supervisory Board and Management Board. Thirdly, as the main and essential part of the presentation, the working activities of the Legal Affairs Department and Risk Management Department were explained to the students, especially the contracts that these departments prepare, like the contract of loan, lease contract, mortgage contract etc. The students also had the opportunity to see how it looks like and how to fill out the promissory note as one of the most important securities used in business relations between banks and clients. Some new products that the bank offers on the market were also introduced to the students like the bank insurance products. Another important aspect of the presentation was the litigation procedure regarding the disputes the bank has with its clients. The success rate of winning the cases in court, the type of cases, legal representation of the bank in those cases, together with the enforcement procedure after winning the cases were explained to the students, pointing out some interesting examples from practice. The students showed great interest in this presentation by asking questions and creating a discussion regarding some unclear issues. In the end, the student Sevgi Salijevska was awarded with the possibility to perform practical work in Halkbank in the future. The students were accompanied by their Professor Nikola Dacev and Assistant Betim Ameti.