Bosna Bank International

What Bosna Bank International does

Bosna Bank International d.d. Sarajevo (BBI Banka) is a private commercial bank headquartered in Sarajevo, Bosnia and Herzegovina, founded in 2000 and operating with a 251-500 employee workforce. The bank serves retail individuals (stanovništvo) and corporate/legal entities (pravna lica) through an omnichannel model spanning a domestic branch network, BBI Digital Smart ATMs, the mBBI mobile banking application, the eBBI internet banking platform, and online self-service application portals. Its product portfolio combines conventional and Islamic banking: financing products span housing, mortgage, car, agricultural, project buyout/debt consolidation, and BH diaspora and freelancer-specific offerings; the savings suite is built around Sharia-compliant wakala structures (term, open, rent, children's, Hajj, Zakat) alongside demand deposits and safe deposit boxes. Card products are issued on the Visa network across Signature, Platinum, Gold, Debit, Prepaid, and Classic tiers, organized into Platinum Plus, Gold, Basic, and Sustainable account packages with bundled benefits including DragonPass lounge access and road assistance through ASA Central Osiguranje.

The bank's underlying technology stack includes the mBBI mobile application (iOS and Android), the eBBI internet banking platform, an electronic document service (eRegistar), an electronic bill payment service (eRežija), SMS banking, and SWIFT GPI for foreign exchange transaction tracking using UETR references in MT103 messages. Revenue mechanics are driven primarily by interest/profit margin income from the financing book (terms up to 360 months for housing, up to 10 years for project buyout up to 50,000 KM), recurring subscription fees from tiered account packages, transaction and payment service commissions (including Western Union remittances), and interchange and card-related fees on the Visa network. Distribution is achieved through physical branches throughout BiH, self-serve digital channels, and Western Union and Visa as global reseller/integration partners. The bank operates exclusively within Bosnia and Herzegovina with no disclosed foreign subsidiaries or expansion beyond a domestic footprint.

Customer segments span households and families, SMEs and larger corporates, self-employed freelancers, agricultural borrowers funded through a Trust Fund mechanism, and Bosnian diaspora clients served via cross-border financing products. Pricing is tiered by account package, with mobile and internet banking fees positioned as up to 80% lower than branch transactions, and a promotional 2.70% effective rate on 24+ month term wakala savings valid through 30.06.2026 indicating active deposit-side pricing competition. Regulatory compliance spans BiH Personal Data Protection Law (effective October 2025), AML/CFT, FATCA, and SWIFT GPI, with a dedicated Data Protection Officer. The ownership structure is not publicly disclosed; the bank is a private joint-stock company (dioničko društvo) with no parent company or controlling shareholder identified in available data.

Name

Bosna Bank International

Legal name

Bosna Bank International d.d. Sarajevo

Website

https://bbi.ba

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

251–500 employees

Short description

Bosna Bank International (BBI Banka) is a private Bosnian commercial bank headquartered in Sarajevo that serves retail and corporate clients across Bosnia and Herzegovina via branches, digital smart ATMs, and mBBI/eBBI digital banking, offering Sharia-compliant wakala savings, housing and consumer financing, Visa card products, and remittance and diaspora services.

Ownership category

akta.pro rank

Product category

Retail and Commercial Banking (Islamic and Conventional)

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Commercial Banking (522110), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

National Commercial Banks (6021), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Islamic Corporate Banking (FSABAGAC), Islamic Transaction Banking (Cash Management & Treasury Services) (FSABAGAF), Agricultural & Rural Development Banks (FSABAKAE)

Keywords

• Retail banking services
• Islamic banking
• Housing financing loans
• Corporate banking services
• Digital mobile banking

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

Revenue model

1. Interest Income from Financing: Home loans, mortgage financing, car financing, agricultural financing, and project refinancing generate interest/profit margin income with rates starting from 2.70% for savings products and various financing rates for loans up to 360 months terms
2. Account and Card Fees: Monthly fees for account packages (BBI Platinum Plus, Gold, Basic, Sustainable), debit and credit card issuance and maintenance fees, transaction fees
3. Transaction and Payment Services: Commission income from payment processing, Western Union transfers, direct debits, standing orders, currency exchange (mjenjačnica)
4. Digital Service Subscriptions: Revenue from SMS banking services, eRežija utility payment service, and other electronic service subscriptions
5. Road Assistance Services: Partnership with ASA Central Osiguranje for road assistance services bundled with premium account packages, with services up to 300 KM covered

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels8 records

Core offering

Bosna Bank International operates as a full-service commercial bank in Bosnia and Herzegovina delivering retail and corporate banking products and services. Its core offering includes financing (housing, mortgage, car, agricultural, cash), Islamic-compliant wakala savings products, current accounts with debit and credit cards organized into tiered packages, and digital banking access via the mBBI mobile app and eBBI internet banking platform, supported by a domestic branch network and ATM infrastructure.

Product overview

Bosna Bank International (BBI Banka) operates as a retail and commercial bank in Bosnia and Herzegovina offering a comprehensive Islamic and conventional banking platform. The core digital banking products include mBBI (mobile banking app) and eBBI (internet banking), supplemented by specialized services like eRežija (bill payment), eREGISTAR (document management), and BBI SMS notifications. The bank's financing portfolio encompasses housing loans, mortgage financing, car financing, agricultural financing, and specialized products for diaspora customers and freelancers. Savings offerings follow Islamic banking principles with wakala-based products including term savings (oročena wakala), children's savings, Hajj savings, and Zakat savings, alongside conventional demand deposits and safe deposit boxes. Card products are centered on the Visa payment network, offering debit cards (Visa Signature, Platinum, Gold, Debit, Prepaid) and credit cards (Visa Classic, Shopping) organized into tiered packages (Platinum Plus, Gold, Basic, Sustainable). Current account services include overdraft facilities and shopping limits. The bank also provides currency exchange, standing orders, direct debit, and QR-based payments through the Kviko platform.

Differentiator

Problem solved

Functional benefit

Brands

• mBBI: Mobile banking application for iOS and Android devices enabling customers to manage finances from anywhere.
• eBBI
• eRežija

Products and services

• mBBI Mobile Banking Mobile banking application for retail and corporate customers enabling 24/7 account management, payments, transfers, and access to banking services from anywhere in BiH and abroad, with fees up to 80% lower than branch transactions.
• eBBI Internet Banking

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core.

• ASA Central OsiguranjecoreStrategic or Co-development Partner · 1 April 2025BBI Bank partnered with ASA Central Osiguranje to provide road assistance services to customers holding BBI Platinum, Classic, Prestige, and Premium packages. Services include 24/7/365 road assistance in BiH for passenger and cargo vehicles up to 3.5 tons, towing services, minor repair services, vehicle storage, and 24/7 contact center. Services covered up to 300 KM. The partnership replaced previous BIHAMK road assistance services.
• Western UnioncoreChannel Partner/ Reseller/ DistributorWestern Union money transfer services are offered at BBI Bank branches, enabling international money transfers for customers including diaspora clients sending remittances to Bosnia and Herzegovina
• VisacoreTechnology or IntegrationBBI Bank issues Visa-branded debit and credit cards including Visa Signature, Visa Platinum, Visa Gold, Visa Debit, Visa Prepaid, and Visa Classic cards with features like DragonPass airport lounge access, contactless payments, and various insurance benefits
• SWIFT (Society for Worldwide Interbank Financial Telecommunication)coreTechnology or IntegrationBBI Bank participates in SWIFT GPI (Global Payments Innovation) network, enabling tracking of foreign exchange transactions using UETR reference numbers in MT103 SWIFT messages for enhanced transparency in international transfers

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Al Rayan Bank: UK-based Islamic bank offering Sharia-compliant retail and business banking, including property finance and savings. Comparable to BBI as a mid-sized, niche Islamic banking challenger serving diaspora and Muslim populations.

Direct peers

• Nova Banka a.d. Banja Luka: Domestic BiH universal bank serving retail and corporate customers. Competes with BBI for financing, deposits, and payment products within the country.
• Sparkasse Bank dd BiH: BiH subsidiary of the Sparkasse/Holding group, providing retail and SME banking. Overlaps with BBI on consumer accounts, mortgages, and digital banking.
• Ziraat Bank BH d.d. Turkish-owned commercial bank in BiH serving retail and corporate customers with conventional products. Comparable customer base and product scope to BBI.
• NLB Banka d.d. Sarajevo: Bosnian subsidiary of NLB Group, offering full-service retail and corporate banking. Competes head-to-head with BBI in accounts, financing, cards, and digital banking.
• Raiffeisen BANK dd BiH: Major BiH universal bank under the Raiffeisen group, providing retail, SME, corporate, and digital banking services. Directly competes with BBI across deposits, financing, and payment products.
• ASA Banka d.d. Sarajevo: Domestic BiH bank with retail and corporate focus, including insurance-adjacent partnerships (BBI partners with ASA Central Osiguranje). Competes directly in deposits, lending, and card products.
• UniCredit Bank d.d. Mostar: One of the largest banks in Bosnia and Herzegovina, offering retail and corporate banking, mortgages, cards, and digital channels. Direct competitor to BBI for the same retail and corporate customers across BiH.

Broad incumbents

• Dubai Islamic Bank: Large incumbent Islamic bank offering corporate, retail, and treasury services under Sharia principles. Relevant benchmark for BBI's Islamic banking product strategy and Wakala-based savings model.
• Kuwait Finance House: Global Islamic banking leader with a broad Sharia-compliant product portfolio. Comparable to BBI in Islamic banking DNA, though at vastly larger scale and geographic reach.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/bbibanka
• Facebookfacebook.com/BBIbanka
• LinkedInlinkedin.com/company/1323291
• Instagraminstagram.com/bbi_banka
• Xx.com/bosnabankint

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Bosna Bank International