Privredna banka Sarajevo

What Privredna banka Sarajevo does

Privredna banka Sarajevo d.d. Sarajevo is a domestic commercial bank headquartered at Obala Kulina bana 18, Sarajevo, Bosnia and Herzegovina, operating since 1962 as a joint-stock company (dioničko društvo). The bank is privately held, supervised by the Banking Agency of the Federation of Bosnia and Herzegovina and the Central Bank of Bosnia and Herzegovina, and serves two primary segments: Stanovništvo (retail individuals) and Pravna lica (legal entities/businesses). Its stated vision is to rank among the top three domestic banks in its operating territory, and the bank underwent a significant consolidation event in October 2016 through a merger with BOR banka d.d. Sarajevo.

The bank offers a full universal banking product set: current and savings accounts, consumer and mortgage loans, business financing, time deposits, Visa debit/credit/business cards, safe deposit boxes, documentary operations (letters of credit and guarantees), and domestic and international payment services. Digital channels include ELBA/netPBS internet banking, mPBS mobile banking on iOS and Android, and Halcom corporate electronic banking. The technology infrastructure runs on Dell EMC Unity 300 storage with Cisco UCS blade servers in a dual data center configuration with disaster recovery capabilities; Visa serves as the core card network partner and Microsoft as the enterprise software/licensing partner.

The revenue model is conventional commercial banking, dominated by net interest income from loan and deposit spreads, supplemented by account maintenance and transaction fees, card interchange and issuance fees, electronic banking subscription/usage charges, safe deposit box rentals, and fees from documentary credit operations. Distribution is omnichannel but relationship-led, with a physical branch and agency network spanning at least 19 BiH cities and municipalities (Sarajevo, Brčko, Goražde, Mostar, Zenica, Tuzla, Travnik, and others) complemented by digital self-service channels. Pricing is not publicly disclosed; fee schedules are maintained as separate tariff documents for retail and corporate customers, with monthly billing cadence for account-related charges.

Name

Privredna banka Sarajevo

Legal name

Privredna banka Sarajevo d.d. Sarajevo

Website

https://pbs.ba

Company type

Private

Founded year

1962

Operating status

Operating

Headcount range

51–100 employees

Short description

Privredna banka Sarajevo is a domestic commercial bank in Bosnia and Herzegovina offering accounts, loans, deposits, cards, and digital banking to retail individuals and business entities across a multi-city branch network.

Ownership category

akta.pro rank

Headquarters

HQ city

Sarajevo

HQ country

Bosnia & Herzegovina

HQ region

Europe

Offices20 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Revenue model

1. Interest Income from Loans: Revenue generated from interest spreads on consumer loans, business loans, and mortgages extended to customers
2. Account and Transaction Fees: Fees charged for account maintenance, wire transfers, payment processing, and other transaction-based services
3. Card Services: Revenue from debit cards, credit cards, and business cards including Visa card offerings
4. Electronic Banking Services: Subscription and usage fees for internet banking (ELBA), mobile banking (mPBS), and electronic banking platforms
5. Deposit Services: Interest earned on customer deposits placed with the bank
6. Safe Deposit Boxes (Sefovi): Rental revenue from safe deposit boxes for secure storage of valuables
7. Documentary Operations: Letters of credit, guarantees, and documentary credit services for business customers

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels1 record

Core offering

Privredna banka Sarajevo is a domestic commercial bank in Bosnia and Herzegovina providing a comprehensive portfolio of banking products and services to individuals (Stanovništvo) and legal entities (Pravna lica). Core offerings include current and savings accounts, consumer and mortgage loans, business loans, term deposits, Visa debit/credit/business cards, domestic and international payment services, safe deposit boxes, and documentary operations (letters of credit and guarantees), delivered through an extensive branch network, ATMs, and digital channels (ELBA internet banking, mPBS mobile banking, Halcom electronic banking).

Product overview

Privredna banka Sarajevo is a domestic bank offering a comprehensive portfolio of banking products and services. The core offerings include accounts (Računi), credits/loans (Krediti), savings (Štednja), and payment cards (Kartice) including Visa debit, credit, and business cards. Digital banking is delivered through ELBA/netPBS for internet banking, mPBS for mobile banking (iOS/Android), and Halcom for corporate electronic banking. Additional services include deposits, safe deposit boxes (Sefovi), payment services (domestic and international), SMS notifications, standing orders (Trajni nalog), and documentary operations for businesses. The bank serves both individuals and legal entities (businesses) with tailored product variants for each segment.

Differentiator

Problem solved

Functional benefit

Products and services

• Bank Accounts (Računi) Current and transactional bank accounts for both individuals and legal entities, offered in tailored variants per segment (Stanovništvo and Pravna lica) with associated package benefits and services.
• Loans and Credits (Krediti) Loan products for individuals (consumer loans, mortgage loans) and businesses (business financing), with segment-specific terms and tariffs.
• Savings (Štednja) Savings and deposit products for individuals offering various interest rates and terms.
• Term Deposits (Depoziti) Time deposits and term savings products for individuals and businesses with various maturity options.
• Payment Cards (Kartice) Visa debit and credit cards issued to individual customers for everyday payments and access to funds.
• Visa Business Card (Business Kartica) Corporate Visa credit card designed for business expenses with expense management features for legal entity clients.
• Internet Banking (netPBS/ELBA) Web-based internet banking platform for individual customers enabling account management, payments, transfers, and financial management online.
• Mobile Banking (mPBS) Mobile banking application available on iOS and Android for account access, transfers, and banking services on smartphones and tablets.
• Halcom Electronic Banking for Legal Entities Electronic banking platform for business clients providing advanced banking services for corporate customers, including treasury and payment management.
• Safe Deposit Boxes (Sefovi) Secure safe deposit box rental services for storing valuables and documents, available to retail and business customers.
• Payment Services (Platni promet) Domestic and international payment services including wire transfers and currency exchange, with rates published daily based on Central Bank of BiH.
• Documentary Operations (Dokumentarni poslovi) Documentary credit and guarantee services for business clients including letters of credit and bank guarantees.
• Framework Contracts (Okvirni ugovori) Framework agreements for legal entities governing ongoing banking relationships and recurring transactional arrangements.
• Standing Order (Trajni nalog) Automatic recurring payment service for scheduled regular payments from customer accounts.
• SMS Notification Service SMS notification service for account alerts and transaction notifications delivered to retail and business customers.
• Sustainable Financial Inclusion Service Package (Održivi paket usluga) A bundled banking service package aimed at supporting financial inclusion for underserved individuals, with information disclosed on 30 June 2024.

Segments2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• Central Bank of Bosnia and HerzegovinacoreOthersRegulatory partnership with CBBH for currency exchange rate data, payment systems, and banking supervision. The bank's exchange rate information links to CBBH official rates updated daily at 16:00h.
• Banking Agency of the Federation of Bosnia and HerzegovinacoreOthersRegulatory oversight and supervision by the Banking Agency of FBiH which licenses and regulates banks operating in the Federation entity of Bosnia and Herzegovina.
• VisacoreTechnology or IntegrationPartnership for Visa debit, credit, and business card products offered by the bank to retail and business customers.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/privrednabanka
• Facebookfacebook.com/privredna.banka.sarajevo
• LinkedInlinkedin.com/company/privredna-banka-sarajevo-dd-sarajevo

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Privredna banka Sarajevo