Profile

Sparkasse Bank dd BiH is a member of the Austrian financial institution Steiermärkische Sparkasse.

Our parent bank Steiermärkische Sparkasse is the largest regional bank in the south of Austria with its 200 years old tradition of business and long-term and sustainable development strategy in the countries of the region. As a member of Erste Bank und Sparkassen Austria, it is part of the largest group of banks focused on retail and small and medium-sized enterprises in Europe.

Sparkasse Bank BIH with total assets of almost 1.4 billion BAM, and a team of more than 500 employees in 40 branches throughout the country, is as a safe and reliable partner for the citizens and legal entities in the territory of Bosnia and Herzegovina.

We offer a wide range of financial products for individuals, small and medium enterprises, large companies, institutional clients and public sector, focusing on speed and efficiency of providing services, and strengthening customer trust and loyalty.

Our ultimate goal is to develop according to the international standards of the group in a modern bank that retains the traditional values ​​of Sparkasse, along with the orientation to retail business and small and medium enterprises.

The engagement of our bank goes beyond the banking business itself: from the very beginning of business in BiH, we launched a number of socially beneficial projects for our community in various segments, and we are a proud owner of the award "DOBRO" for corporate philanthropy and volunteerism.

 

Our Majority Owner

Our majority owner Steiermärkische Bank und Sparkassen AG from Austria has majority ownership in banks and leasing companies in several countries of former Yugoslavia. Steiermärkische Sparkasse concern is a leading bank group in the south of Austria.

 

Goal

Long-term growth and development provided by satisfied employees and loyal clients. 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.

 

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 BiH cares about the success of our clients:

  • with constant improvements of its offers
  • competently
  • with tailor-made solutions
  • with a long-term perspective.


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 saving deposits and form a unique risk community.