Intesa Sanpaolo Bank BiH

What Intesa Sanpaolo Bank BiH does

Intesa Sanpaolo Banka d.d. Bosna i Hercegovina is a universal commercial bank headquartered in Sarajevo, Bosnia and Herzegovina, operating under the Intesa Sanpaolo Group brand via its controlling shareholder Privredna banka Zagreb (PBZ), which holds 99.9% of shares. The bank serves three primary customer segments — retail consumers (Stanovništvo), small and medium enterprises (Mala preduzeća), and corporate clients (Pravna lica) — through a distribution network of 5 main regional branches and 44 agencies supported by an ATM and POS network across the country. Its product portfolio spans current accounts (including segment-specific Mamma@work, Student, and Pensioner accounts), bundled IN Packages (Prestige, Premium, Indeks), card products (Visa Inspire, Visa Platinum, Mastercard, American Express), consumer and mortgage lending, green/ESG financing (My Eco Home), savings, life insurance, and Western Union money transfer services.

The bank's core technology stack includes multi-currency core banking operations (BAM and EUR), the ELBA electronic banking platform, the m-Intesa mobile banking application (iOS and Android), SMS banking, Google Pay contactless integration, and traditional ATM/POS channels. It maintains international compliance infrastructure including FATCA, Patriot Act, Anti-Corruption Guidelines, and Wolfsberg correspondent banking due diligence documentation, supporting correspondent banking and cross-border corporate finance activity. Recent strategic emphasis is on EU-aligned sustainable finance and SME digitalization, funded in part by a €15 million EBRD facility (June 2024) and a €20 million EIB social impact finance facility.

Revenue is generated primarily through interest income from lending (mortgages, consumer, SME, and corporate loans), transaction fees and commissions on accounts and cards, and foreign exchange services. Pricing follows a subscription model for the bundled IN Packages and a transaction-fee model for standalone banking services, with rates referenced to the EURIBOR benchmark for variable-rate lending. The bank is a private joint-stock company (d.d.), not listed on a public exchange, and is a fully consolidated subsidiary within the wider Intesa Sanpaolo Group, which operates approximately 4,650 branches serving 20.5 million customers across 12 countries.

Name

Intesa Sanpaolo Bank BiH

Legal name

Intesa Sanpaolo Banka d.d. Bosna i Hercegovina

Website

https://intesasanpaolobanka.ba

Company type

Private

Founded year

1972

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Intesa Sanpaolo Banka d.d. BiH is a universal commercial bank in Bosnia and Herzegovina, 99.9%-owned by Privredna banka Zagreb (Intesa Sanpaolo Group), serving retail, SME, and corporate customers through 5 branches and 44 agencies with full-suite lending, deposit, card, and digital banking products.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211)

SIC

Commercial Banks, Nec (6029)

akta.pro primary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

Keywords

• Retail banking services
• Commercial banking services
• SME lending
• Digital banking
• Consumer credit

Headquarters

HQ city

Sarajevo

HQ country

Bosnia & Herzegovina

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Traditional banking interest income from lending activities including mortgage loans, consumer loans, business loans, and credit cards
2. Fee and Commission Income: Transaction fees, account maintenance fees, card fees, and commissions from various banking services
3. Foreign Exchange Services: Currency conversion and foreign exchange transaction services

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Intesa Sanpaolo Bank BiH is a universal commercial bank providing retail banking (current accounts, savings, debit/credit cards, mortgage and consumer loans, life insurance), SME banking (business accounts, dedicated credit programs for craftsmen and startups), and corporate banking (corporate accounts, large-scale lending, treasury, and trade finance) in domestic (BAM) and foreign (EUR) currencies. Products are distributed through 5 regional branches, 44 agencies, an ATM/POS network, mobile (m-Intesa) and electronic (ELBA) banking platforms.

Product overview

Intesa Sanpaolo Banka BiH operates as a universal commercial bank offering a comprehensive suite of retail and corporate banking products. The core banking platform includes multiple service channels: ELBA (electronic/internet banking) and m-Intesa (mobile banking app) as the primary digital channels. The product portfolio encompasses transactional accounts (current account with overdraft facilities), bundled IN Packages (Prestige, Premium, Indeks), card products (Visa Inspire, Visa Platinum, Mastercard, American Express), and diverse lending solutions including non-purpose loans, housing loans, mortgage loans, Lombard loans, and specialized green financing (My Eco Home). Savings offerings include term deposits, children's savings (Crispy), and free savings accounts. Insurance products include La Vita life insurance, pension insurance, and accident coverage. The bank also provides SMS banking, ATM services, and specialized accounts for specific segments (students, mothers, pensioners).

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• First bank in Bosnia and Herzegovina to sign agreement with EIB for €20 million loan for social impact finance for SMEs
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Scale indicators6 records

Recent moves10 records

Expansion highlights6 records

Direct peers

• Raiffeisen Bank Bosnia and Herzegovina: One of the largest universal banks in BiH and a direct competitor across retail, SME, and corporate segments. Like ISP BiH, it is a subsidiary of a major European banking group (Raiffeisen Bank International), offering a comparable product suite and branch-driven distribution model.
• UniCredit Bank Bosnia and Herzegovina: Universal commercial bank serving retail, SME, and corporate clients across BiH, similar to ISP BiH. UniCredit is a peer Italian-owned European banking group, making the strategic positioning and product breadth directly comparable.
• NLB Banka Sarajevo: Subsidiary of Slovenia's NLB Group, one of the leading banks in BiH offering retail, SME, and corporate banking. Closely mirrors ISP BiH's structure as a foreign-controlled universal bank with a multi-channel distribution model.
• Sparkasse Bank BiH: Austrian-owned (Erste Group) universal bank in BiH with comparable retail and SME offerings. Comparable branch-and-digital distribution and similar EU parent backing make it a head-to-head peer.
• ProCredit Bank Bosnia and Herzegovina: Development-oriented German-rooted commercial bank focused on SME and green finance. Comparable in its SME and sustainable finance emphasis, including EBRD-style funding alignment.
• ASA Banka: One of the larger domestically headquartered commercial banks in BiH, providing retail and corporate banking. A relevant local peer because it competes head-to-head in the same domestic market without European parent backing.
• Bosna Bank International (BBI): Domestic BiH commercial bank with Gulf investor backing, active in retail, SME, and corporate banking including Sharia-compliant products. Comparable in market positioning to ISP BiH's universal domestic offering.
• ZiraatBank BH: Turkish state-owned bank operating in BiH with retail and corporate banking. Comparable as another foreign-group-controlled universal bank competing for the same retail and SME customer base in BiH.

Regional players

• Addiko Bank: Austrian-owned regional bank with operations across the Western Balkans including BiH. Comparable as a peer European-owned universal bank with overlapping retail and SME product focus in the same broader geography.

Broad incumbents

• Privredna banka Zagreb (PBZ): Parent company of ISP BiH, holding 99.9% ownership. PBZ is the leading Croatian universal bank and provides capital, strategy, and product platforms that ISP BiH leverages, making it the closest incumbent peer and group benchmark.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks3 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCsNMkUzTdnUpSO7xRvM5T_w
• Facebookfacebook.com/IntesaSanpaoloBanka
• LinkedInba.linkedin.com/company/intesa-sanpaolo-banka-bih

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Intesa Sanpaolo Bank BiH