Customers
At the heart of our business model are our customers, 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.
Customer in focus
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.
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."
Supporting small businesses and startups – "Step by Step"
“Step by Step” is a unique program in the Bosnian banking market that provides startups with comprehensive support – from the initial idea to sustainable growth. Created as a partnership between Sparkasse Bank and Mozaik Foundation, the program strengthens entrepreneurship, self-employment, and job creation, helping to transform the economic landscape of BiH. Its strength lies in making financial services more accessible to young entrepreneurs while fostering a more inclusive and competitive society.
Digital face of Human 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.
ESG Roadmaps for Our Clients
Together with Deloitte, we implemented a program for creating ESG roadmaps for our corporate clients, including CIVIĆ d.o.o., RM-LH d.o.o., FEMIS d.o.o., PIMS Elektro Oprema d.o.o., Mladegs-Pak, and others.
Through this program, participants received their own ESG roadmaps as a practical and concrete tool for advancing sustainable business development.
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.
🎬 The success of our clients is also our success
That’s why we created a series of videos for our Micro clients – people who, through their ideas and dedication, build small businesses and great stories.
These videos help introduce their products and services to a wider audience and give their stories the voice they deserve.
Watch the video we gifted to our Micro client – M&M Restaurant from Mostar, which for more than 30 years has been bringing together tradition and modern culinary trends, and whose growth we proudly support.