At the heart of our business model are our clients, to whom we strive to bring the concept of fair and human-centered banking—tailored to individual needs—by building long-term, sustainable partnerships and a strong base of satisfied, loyal customers.
We make every effort to understand their real personal and business needs and respond with innovative products and financial advice. Through our service model and offerings, we fully embrace our mission to go beyond the role of a traditional lender, positively impacting financial well-being and supporting the sustainable growth of businesses and the economy as a whole.
Equally, our financial models are designed to contribute to the living conditions and quality of life of individuals, standing by them through both good and challenging times.
Client at the Center
Responsible Financing
Green lending and an advisory model for the financial health of clients.
Beyond credit lines for energy efficiency, digitalization, and increasing competitiveness—developed in cooperation with international institutional lenders such as EBRD, EFSE, and GGF—we embody responsible financing through our authentic advisory model.
This model entails a deep understanding of our clients' business cycles, a focus on their financial well-being, financial consolidation when needed, and comprehensive support to help them create and grow their businesses sustainably.
For individuals, we place special emphasis on unique credit models with flexible repayment plans, designed to ease financially demanding periods (e.g., winter months) or support young professionals in their career development.
We present the first in a series of videos that we’ve decided to gift to our Micro clients as a sign of support for their growth, because the success of our clients is also our success.
We begin the story in Mostar, at Restaurant M&M, which for over 30 years has combined a love for traditional gastronomy with a bold exploration of modern culinary trends. This restaurant is not only a guardian of old recipes but also a creator of new flavors, thanks to its own cultivation of organic fruits and vegetables in line with the highest quality standards.
This is just the beginning – new stories from the series dedicated to our clients in the SME sector are coming soon.
Contributing to a Sustainable Economy by Empowering Key Industries and Entrepreneurship
We remain committed to strengthening young entrepreneurship and industries vital to the sustainability and independence of Bosnia and Herzegovina’s economy—such as tourism and agriculture—through various programs and tailored financing models, both independently and in partnership.
Our focus is shifting even more towards the micro-business segment, while our long-term commitment remains our unique social banking program for startup mentoring and financing, "Step by Step."
Expanding the Bank’s Presence Through “Branches of the Future”
The Branches of the Future represent a fusion of high-quality personal advisory services, digitalization, and sustainable construction principles.
These are multifunctional spaces that combine the traditional banking experience with advanced technological capabilities while emphasizing environmental responsibility.
This innovative approach to expanding the bank’s presence not only keeps pace with digitalization trends but also sets new standards in sustainable business practices—meeting client needs while contributing to social and environmental well-being.
Sparkasse Bank's Regional Center in Tuzla in a new edition
On 650 m² of modern space, we’ve combined digital services with personal support to provide citizens and companies with a faster, simpler, and higher-quality banking experience. The new center is fully adapted to contemporary banking standards and principles of sustainable construction, continuing our strategy of development and service improvement.
The ceremony was attended by representatives of institutions, partners, and clients, with Tuzla's mayor, Zijad Lugavić, emphasizing the significance of this investment for the local community. The CEO, Amir Softić, thanked the clients for their trust and reaffirmed our commitment to supporting the citizens and businesses in the Tuzla region.
ESG Workshops for Clients
During the workshops held for clients in Banja Luka, Mostar, Tuzla, and Zenica, our clients had the opportunity to gain in-depth insights into key aspects of the green transition, ESG regulations, and their impact on business operations. The workshops provided a platform for exchanging experiences and acquiring practical knowledge necessary for responsible business practices in line with modern sustainability standards.
Special thanks to Deloitte BiH for the expert workshop and Finance in Motion BiH for the support through the "Green for Growth Fund - Technical Assistance Facility," funded by the European Union.
B2B Forum - ESG 2.0: Sustainable Transformation in Business as an Opportunity for BiH
At the business forum "ESG 2.0: Sustainable Transformation in Business as an Opportunity for BiH," Bosnian business leaders discussed the key challenges and opportunities brought about by the inevitable transition to self-sustaining business models.
The forum brought together leading experts and representatives from the business community to address issues related to the green transition, investments in renewable energy sources, and the implementation of ESG (Environmental, Social, and Governance) principles in business practices. The event provided a unique opportunity for exchanging experiences and ideas on how Bosnian companies can effectively balance production costs, invest in sustainable energy sources, and operate in the EU market, while facing challenges and finding growth opportunities.
The Highest Service Quality Standards and Strong Partnership Relations
To maintain our leading position in client satisfaction—both for individuals and businesses—our future focus remains on continuously monitoring client experiences and feedback, upholding the highest service quality standards with ongoing improvements, and enhancing the speed of our banking services.
In the corporate banking segment, we will continue our proven successful regional approach—ensuring close proximity to clients while nurturing strong and lasting partnerships.
Intensive, Clear, and Fair Communication Based on Simplicity and Empathy
The Bank is committed to maintaining intensive, clear, and fair communication, guided by the principles of simplicity and empathy.
Digital face of Human banking
Our SIMPL mobile app has set new standards
At the prestigious Zlatni BAM 2024 awards, which recognize the most successful achievements in the banking sector, SIMPL was named the best mobile banking app in Bosnia and Herzegovina for 2024. This recognition confirms our commitment to innovation and user-oriented solutions in digital banking.
Digitalization plays a central role in our business strategy and development plans as it has a dual and comprehensive impact:
- It contributes to the efficiency of operations, not only within our organization but also in business flows across the economy as a whole.
- It contributes to the sustainability of the community and the preservation of the environment through the reduction of paper consumption.
Development of Digital Services and Client Digital Awareness
The SIMPL mobile app serves to build the financial health of our clients. The development of features for tracking consumer and financial habits enables clients to better manage their finances.
The continuous upgrade of the SIMPL mobile and internet banking app includes the implementation of new features, improvements to the user experience, and ongoing client activation/education to encourage stronger use of digital banking solutions.