Management

Managing Board

Chairman: Milka Todorova
Members: Delcho Krastev
  Vladislav Hadjidinev

Milka Todorova


Chairman of the Management Board
and Executive Director

Ms. Milka Todorova started to work “Universal Investment Bank” AD Skopje- UNIBank in 2011 as a member of the Supervisory Board, a position she held until 2018.

In 2019 Ms. Milka Todorova held the positions of an Executive Director and President of the Management Board of UNIBanka AD Skopje.

Ms. Milka Todorova is responsible in the Bank for the operation of: Legal Division, Regulatory Compliance and Prevention of Money Laundering and Financing of Terrorism, Branch Network Division, Retail Banking Division, Loan Center Division, Human Resources Division and Marketing and Advertising Division.

Prior to joining the bank, Ms. Milka Todorova had held several positions at First Investment Bank AD Sofia as: Credit Expert for Corporate Banking, Deputy Corporate Banking Director, Director of Retail Credit Division and member of the Management Board. Also in the period 2013 -2014 she was an Executive Director of Unionbank AD Sofia.

Ms. Todorova is an independent member of the supervisory board of International Card System AD Skopje.


Delcho Krastev


Member of the Management Board
and Executive Director

Mr. Delcho Krastev started to work in “Universal Investment Bank” AD Skopje- UNIBank in 2003 as a Corporate Lending Division Manager.

In 2008 Mr. Krstev was appointed Executive Director and Member of the Management Board of UNIBank AD Skopje and he held this position until 2016.

With the new organizational structure in May 2016 Mr. Krastev was elected and appointed Chief Lending Officer, Member of the Management Board and Executive Director.

Since January 2019, with the new organizational structure, Mr. Krastev has been holding the positions of Executive Director and Member of the Management Board. The responsibility of Mr. Delcho Krastev within the Bank is related to the operation of-Corporate Lending Division, Strategic Client Division, Treasury Division and Non-banking Operations Division.

Before joining the Bank, Mr. Delcho Krastev worked as a Credit Inspector in the First Investment Bank AD Sofia.

Mr. Krastev holds no other positions apart from the positions in the Bank.


Vladislav Hadjidinev


Member of the Management Board
and Executive Director

Mr. Vladislav Hadjidinev joined the Bank in 2015 as an Executive Director and Member of the Management Board of UNIBank AD Skopje, and with the new Organizational structure in May 2016 Hadjidinev was elected and appointed Chief Financial Officer, Member of the Management Board and Executive Director.            

Since January 2019, with the new organizational structure, Mr. Hadjudinev has been holding the positions of an Executive Director and member of the Management Board.

Before that Mr. Hadjidinev was part of First Investment Bank AD Sofia, Bulgarian National Bank and Advi Corp. in London. Throughout his career he has gained experience in the private banking, investment portfolio management and trading in securities.           

The responsibility of Mr. Vladislav Hadjidinev within the Bank is related to the operation of- Risk Management Division, Non-performing Loans Management, Finance and Accounting Division, Information Technology Division, Payment Systems Division, Card Operations and Loan Administration Division.

Mr. Hadjidinev holds no other positions apart from the positions in the Bank.


Supervisory Board

Chairman: Svetozar Aleksandrov Popov
 Deputy chairman: Ralica Ivanova Bogoeva
Members: Janko Angelov Karakolev
  Konstantiv Iliychov Arnaudov
  Nikolaj Sergeevic Dragomirecki

Dragan Tevdovski


Svetozar Aleksandrov Popov

First Investment Bank, Sofia Bulgaria

- Chief Risk Officer (CRO), Member of the Management Board and Executive Director |2017-|
- Chief Compliance Officer (CCO)|2016-2017|
- Deputy Director of Risk Management|2006-2008|
- Chairman of the Credit Council|2006|
- Specialist in Credit Risk Management |2004-2006|

 Universal Investment Bank AD Skopje (UNIBank)

 - Member of the Management Board and Executive Director |2008-2015|

 Raiffaisen Bank, Sofia Bulgaria

- SME loan specialist |2002-2004 |

Inplastrade SA Asenovgrad

 - Assistant to the Director of Finances |2000-2002|


Ralica Ivanova Bogoeva

First Investment Bank, Sofia Bulgaria

 - Chief IT Operations Officer|2018-|
- Head of Internal Audit Department|2011-2018|
- Deputy Director of  Retail banking|2003-2011|
- Loan specialist|2002-2003|

Еxpress Consult  NET, Sofia Bulgaria

 - Accountant |2000-2002|

Diagnosis OOD, Sofia Bulgaria

- Accountant |1998-2000|


Janko Angelov Karakolev

First Investment Bank, Sofia Bulgaria

  • CFO and Head of Accounting |March 2011-|
  • Deputy Director of Accounting |January 2007-February 2011|
  • Deputy Chief Accountant |April 2003-January 2007|
  • Head of Financial Accountability, Analysis and Budget |July 2002-April 2003|
  • Head of IT |November 2001-July 2002|
  • Accountant-Controller |April 1999-November 2001|

Bulgarian Trade and Industry Bank

  • Accountant |July 1995-July 1998|

Konstantiv Iliychov Arnaudov

First Investment Bank, Sofia Bulgaria

- Head of Corporate Banking Department| 2018- |
- Deputy Director of Corporate Banking Department| 2012-2018 |
- Deputy Director of SME Lending Department | 2010-2012 |
- Chief Specialist - SME Lending Department | 2007-2010|
- Credit Inspector - SME Lending Department | 2004-2007|

 TB Biohim AD, Sofia Bulgaria

- Credit Inspector - SME Lending Department | 2003- 2004 |
- Accountant-Cashier | 1998- 2003 |


Nikolaj Sergeevic Dragomirecki

Ekobulteks AD Sofia

  • Executive Director  |2011- |

First Investment Bank AD Sofia

  • FX Market Dealer |1995-2011|

First Financial Brokerage House

  • Broker |1994-1995|

Dragan Tevdovski

Faculty of Economics at “Ss. Cyril and Methodius” University, Skopje

  • Associate Professor | 2015- |
  • Assistant Professor  | 2010-2015 |
  • Assistant | 2007-2010 |
  • Younger Assistant| 2002-2007 |

Government of the Republic of North Macedonia

  • Minister of Finance | 2017-2019 |

IK Banka Skopje

  • SWIFT officer | 2002-2015 |