Sparkasse Bank dd, with its head office in Sarajevo, has operated in Bosnia and Herzegovina for ten years and is a member of the Austrian Steiermärkische Sparkasse group.
Our team has almost 430 employees.
It services more than 140,000 clients.
We offer all kinds of conventional and modern banking including financial services of S-Leasing.
We operate through a business network of almost 50 branches all over Bosnia and Herzegovina.
Our Majority Owner
Our majority owner Steiermärkische Bank und Sparkassen AG from Austria has majority ownership in banks and leasing companies in all countries of former Yugoslavia. Steiermärkische Sparkasse concern is a leading bank group in the south of Austria with 2 million clients in 480 branches in Austria and South-East Europe.
Goals, Plans and Accomplishments
Our objective is to continue developing according to the savings banks group standards into a modern retail-bank with a country-wide coverage, and be among the leading banks in Bosnia and Herzegovina. The concrete steps anticipated for the 2008-2010 period will lead towards this objective:
- strong territorial expansion throughout country with 16 new branches – expanding the network in the Federation of Bosnia and Herzegovina with stronger coverage in the West Herzegovina, and coming out and expanding to the market of the Republic of Srpska
- investments in visual unification of branches according to the gropu standard s and new head quarter building
- persistent investments in the new products like the VISA and Diners Card, and upgrade of current products, by introducing a wide range of savings products, in line with savings-banks principles
- persistent human resource development through employing about
150 new employees and educational programs for employees in the whole organizational structure, with focus on the first line staff
- investments in IT technologies and in technical support to clients by a network of 60 ATMs and many new POS terminals in retail outlets
- improvement of internal organizational structure, internal communica- tion and information systems to aimed at work process streamlining and improved efficiency
- significant investments in new promotion activities.
Our Vision
To become one of the strongest banks in the country using business tools based on the best banking practices.
Our Mission
Sparkasse Bank dd cares about the success of our clients:
- with constant improvements of its offers
- competently
- with tailor-made solutions
- with a long-term perspective.
Our Goal
Long-term growth and development provided by satisfied employees and loyal clients.
Our Guidelines
We take responsibility
We see the success of our clients, employees and contribution to the society as our responsibility.
Reliability creates friendships
We respect business ethics. Partnership with our clients and employees is the key of their loyalty.
Collaboration with a complete trust
We communicate openly and honestly. We always keep our promise.
Security with assurance
To protect clients and employees is our tenet. And for that we use all available tools.
Tailor-made solutions
There are no universal solutions – each of our clients has the right to an offer made just for them. Therefore, we give them our attention, time and commitment.
Courage as a chance
Our team is governed by the principles of self-initiative, accepting new ideas and taking on challenges, as well as ambition to achieve their goals.
Savings Bank – A Business Model for Employee, Client and Shareholder Safety
We are guided by the model that our parent company Steiermäerkische Sparkasse from Austria uses the most stable savings banks model for the past 190 years which consists of:
- Savings Bank model in place of Investment Banking – focus is on transactions with population, i.e.
small and medium businesses, where credits are refinanced from savings deposits that the bank
collects, with risk dispersed on a great number of clients therefore kept at a minimum
- Conservative approach to investments – investments in securities are conducted with caution with
focus on safety, even at cost of the profit
- Joint responsibility of Austrian saving banks group for 100% of all deposits (“Haftungsverbund“)
– Erste Bank and almost 50 Austrian savings banks are jointly responsible for savings deposits and
form a unique risk community.
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