ProCredit Bank BiH

What ProCredit Bank BiH does

ProCredit Bank d.d. Sarajevo is a 100% German-owned commercial bank headquartered in Sarajevo, Bosnia and Herzegovina, operating as a subsidiary of Frankfurt-based ProCredit Holding within the ProCredit Group's network of development-oriented banks across Eastern and Southeastern Europe. The bank serves four primary segments: individuals (retail, including youth aged 14-26, pensioners, and the diaspora), startups and micro enterprises, SMEs with revenue up to 1 million BAM, and corporates with revenue above 1 million BAM. It distributes products through a branch network, the ZONA 24/7 self-service banking network, the ProBanking and ProBanking NOVO (EBA 5.0) internet banking platforms, the mBanking mobile application, and dedicated relationship managers for business clients.

The core product catalog spans tiered retail account packages (ProGreen with the first biodegradable debit card in BiH, ProYoung, ProMax, ProBasic, ProSenior, Financial Inclusion, Osnovni račun), consumer and mortgage credit (rates from 3.39% NKS for housing, 3.99% campaign for salary-receiving borrowers, up to 30-year tenor), savings (FlexSave at 0.20% and 18-month term deposits at 2.60%), and a full SME/corporate credit suite including revolving credit lines, overdrafts, working capital and investment loans, bank guarantees, and letters of credit. The bank differentiates through EBRD-backed facilities (GEFF green credit line with 15-20% investment return, Go Digital credit line with up to 10% investment return, and Portfolio Risk Sharing covering 50% of MSME credit risk) and ProPay cross-border payments at a flat 2.50 EUR within the ProCredit Group network.

Revenue is generated principally from net interest income on the lending book, supplemented by recurring monthly account maintenance fees (1.50-10.00 KM for retail, 10-20 KM for business), transaction and card fees, credit processing and guarantee fees, and international payment fees. Freemium acquisition offers (ProBaj 6-month free for retail, ProStart 12-month free for startups, ProBusiness 6-month free for SMEs) and GTM partnerships with MojObrt, FitPass, and Poliklinika Atrijum are used to drive volume. The bank holds ISO 14001 and ISO 27001 certifications, maintains more than 20% eco loans in its portfolio, and positions sustainability and German capital backing as core brand assets.

Name

ProCredit Bank BiH

Legal name

ProCredit Bank d.d. Sarajevo

Website

https://procreditbank.ba

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

ProCredit Bank d.d. Sarajevo is a 100% German-owned commercial bank in Bosnia and Herzegovina, serving retail customers, startups, SMEs, and corporates with digital banking, green financing, and cross-border payments via ProCredit Group infrastructure.

Ownership category

akta.pro rank

Headquarters

HQ city

Sarajevo

HQ country

Bosnia & Herzegovina

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income (NII): The primary revenue driver is net interest income from the bank's lending portfolio. ProCredit Bank offers a broad range of credit products including consumer loans, mortgages, SME loans, overdraft facilities, investment loans, and green/EKO loans. Interest rate ranges vary by product: consumer loans from 3.99% to 13% fixed, mortgages from 3.39% to 5.89%, SME revolving credits, and EKO credits from 4.50%. The bank targets both retail and business segments with these products.
2. Account and Transaction Fees: Monthly account maintenance fees (ranging from 1.50 KM for basic accounts to 10 KM for premium tiers), transaction fees for domestic and international payments (varying by channel and amount), and card issuance/maintenance fees. Business accounts: 20 KM/month for companies over 1M KM, 10-20 KM/month for SME packages. Retail accounts: ProBasic 4.99 KM/month, ProGreen/ProMax 10.00 KM/month, ProSenior/Financial Inclusion 3.70 KM/month.
3. Credit Processing and Guarantee Fees: Fees charged for credit processing (loan origination fees ranging from 0.50% to 1.00% of approved amount depending on product), guarantee issuance, documentary letters of credit, and credit line management fees.
4. International Payment Fees: International wire transfer fees using ProPay (2.50 EUR flat within ProCredit Group), and tiered fees for international payments (15-75 EUR depending on amount and SHA/BEN/OUR options). Incoming international transfers are free for clients with a primary account.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels11 records

Core offering

ProCredit Bank BiH is a 100% German-owned commercial bank that provides retail and business banking services across Bosnia and Herzegovina. It offers current accounts, savings, overdrafts, and consumer credit (housing, mortgage, EKO/green, education, pensioner, lombard loans), as well as SME and corporate financing (revolving credits, working capital loans, Go Digital, bank guarantees, letters of credit, ProPay international payments). Distribution spans branches, ZONA 24/7 self-service zones, mBanking mobile app, ProBanking internet banking, and direct relationship managers.

Product overview

ProCredit Bank BiH offers a comprehensive banking platform with multiple product lines for retail customers (individuals), small businesses, and corporate clients. For retail customers, the bank provides various account packages (ProGreen, ProYoung, ProMax, ProBasic, ProSenior, Basic Account, Financial Inclusion) with debit cards, overdraft facilities (FlexFund), and savings products (FlexSave, Term Deposits). Lending products include unsecured loans, housing mortgages, ECO/green loans, pensioner loans, education loans, Lombard loans, GEFF credit lines, and diaspora housing loans. For business clients, the bank offers ProStart (startup), ProBusiness, and Pro packages with revolving credit, working capital loans, investment financing, bank guarantees, and letters of credit. Digital banking is delivered through ProBanking (internet), mBanking (mobile), and Zona 24/7 self-service locations. Sustainability is emphasized through ProGreen biodegradable cards, CO₂ calculator, and ESG/CBAM advisory guides. All services are backed by 100% German capital with ISO environmental management certification.

Differentiator

Problem solved

Functional benefit

Brands

• ProGreen: Eco-friendly account package featuring Bosnia and Herzegovina's first biodegradable debit card made from corn fibers.
• ProYoung
• ProMax
• ProBasic
• ProSenior
• ProStart
• ProBusiness
• ProBanking
• ProB@nking
• ProPay
• FlexSave
• FlexFund
• ProBanking NOVO
• Zona 24/7

Products and services

• ProGreen Paket Eco-themed retail account package with KM and EUR current accounts, BiH's first biodegradable debit card made from corn fibers, free e-banking domestic transactions, and free incoming international transfers. Priced at 10.00 KM/month with 6 months free under ProBaj trial.
• ProYoung Paket Free retail account package for individuals aged 14-26, including contactless debit card, mobile app, 5 free ATM withdrawals per month at any bank in BiH, and a gift code for PlayStation/Xbox/iTunes on activation.
• ProMax Paket Premium dual-currency retail account package with KM and EUR current accounts, Flex savings, free e-banking domestic transactions, free incoming international transfers, free withdrawals at ProCredit ATMs, 5 free ATM withdrawals per month at other banks in BiH, SMS notifications, and credit/overdraft application capability. Priced at 10.00 KM/month with 6 months free under ProBaj trial.
• ProBasic Paket Basic retail account package with KM current account, debit card, mobile and internet banking (ProB@nking), 5 free ATM withdrawals per month at other banks in BiH, and free e-banking domestic transactions. Priced at 4.99 KM/month with 6 months free under ProBaj trial.
• ProSenior Paket Retail account package for pension recipients with KM current account, contactless debit card, e-banking and mobile app, 5 free ATM withdrawals per month at any bank in BiH, FlexFund credit assessment, FlexSave savings at 0.20% annual rate, SMS service, free incoming foreign pensions, and free qualified electronic signature setup. Priced at 3.70 KM/month.
• Osnovni Račun (Basic Payment Account) Mandatory basic payment account for individuals with essential services including account opening/maintenance/closing, cash deposit/withdrawal at ATMs, money transfers by direct debit or card payments, standing order and internet banking. eBanking/mobile banking included. Priced at 1.50 KM/month with 6 months free under ProBaj trial.
• Paket za Finansijsku Inkluziju Affordable retail account package for financial inclusion with KM current account, contactless debit card, unlimited POS payments in BiH, 5 free ATM withdrawals per month at any bank in BiH, e-banking/mobile banking, 10 free domestic transfers up to 10,000 KM per month within UPP BiH, FlexFund credit assessment, PIN change at ATM, and statement by email. FBiH only. Priced at 3.70 KM/month with 6 months free under ProBaj trial.
• FlexFund Prekoračenje Overdraft facility on the customer's current account, providing credit up to 200% of average monthly income, with a 24-month term and automatic renewal option, fixed interest rate of 13% (EKS 16.20%), and 0% processing commission. Secured by promissory notes and administrative wage garnishment.
• FlexSave Demand savings account in KM or EUR with 0.20% annual interest rate, free account opening and maintenance, monthly interest credited to current account, fully accessible via internet and mobile banking with no withdrawal restrictions.
• Oročeni Depoziti (Term Deposits) Fixed-term deposits for individuals available in KM and EUR with attractive interest rates (2.60% annual fixed for the 18-month promotional term), monthly interest payout option, and automatic renewal.
• Nenamjenski Krediti (Unsecured Personal Loans) General-purpose unsecured personal loans up to 50,000 KM with repayment periods up to 10 years and fixed interest rates from 4.49% NKS (EKS 4.94%). 0.50% processing fee, no insurance required.
• Stambeni Krediti (Housing Loans) Residential property housing loans up to 500,000 KM with repayment periods up to 30 years and fixed interest rates from 3.39% NKS (EKS 3.73%). Grace period option available.
• Hipotekarni Krediti (Mortgage Loans) Secured mortgage loans with property lien up to 500,000 KM, repayment periods up to 30 years, and fixed interest rates from 4.89% NKS (EKS 5.32%).
• EKO Krediti (Green/Sustainability Loans) Eco-friendly personal loans up to 100,000 KM for environmentally sustainable investments, with repayment periods up to 10 years and fixed interest rates from 4.50% NKS (EKS 5.94%).
• Namjenski Krediti (Designated Purpose Loans) Consumer loans for specific designated purposes with amounts based on creditworthiness, repayment periods up to 120 months, and fixed interest rates from 4.99% NKS (EKS 5.94%).
• Krediti za Penzionere (Pensioner Loans) Personal loans for pensioners up to 50,000 KM with no mandatory insurance, fixed interest rates, age limit up to 75 years at end of repayment, flexible repayment terms, 1% processing fee, and simple approval procedure when combined with the ProSenior package.
• Krediti za Obrazovanje (Education Loans) Education loans up to 50,000 KM with repayment periods up to 120 months, fixed interest rates from 4.50% NKS (EKS 5.94%), no processing fee, covering all study cycles (undergraduate, graduate, postgraduate, specialist).
• Lombardni Krediti (Lombard Loans) Personal loans secured by designated time deposits with 100% collateral coverage and repayment periods up to 30 years.
• GEFF Kreditna Linija EBRD Green Economy Financing Facility credit line offering up to 50,000 EUR (97,791.50 KM) with repayment periods up to 10 years and 15-20% investment return on qualifying energy efficiency investments from EBRD.
• Stambeni Kredit za Diasporu (Diaspora Housing Loan) Housing loans for BiH citizens living and working abroad up to 500,000 KM with repayment periods up to 15 years, fixed rates from 4.89% NKS (or variable 4.29% + 6M EURIBOR for >10 years), EKS 5.43%, 1.00% processing fee, available in three models: standard housing, mortgage, and new construction.
• ProStart Paket Business account package for newly established firms and startups (firms younger than 6 months), offering 12 months of free account management, free domestic payments, free international incoming transfers for primary account holders, account opening in 24 hours, free FX accounts (EUR/USD), and 6 months free MojObrt bookkeeping (FBiH).
• ProBusiness Paket Business account package for existing firms with revenue up to 1 million KM, offering 6 months of free account maintenance, free domestic payments, free international incoming transfers for primary account holders, free FX accounts, and 6 months free MojObrt bookkeeping (FBiH only).
• Okvirni Krediti (Revolving Credit Lines) Revolving credit facilities for businesses providing flexible access to various credit products over a defined period.
• Krediti po Transakcijskom Računu (Business Overdraft) Business overdraft facility for short-term liquidity bridging with quick 24-hour approval.
• Krediti za Osnovna i Obrtna Sredstva (Working Capital and Investment Loans) Business loans for investment projects including equipment, machinery, vehicles, real estate, and working capital financing.
• Go Digital EBRD and EU-supported credit line for digital transformation investments (digital equipment, software, IT infrastructure) with up to 10% investment return on qualifying investments.
• Krediti uz Podršku Garantnih Fondova (EBRD PRS SME Loans) Loans under the EBRD Portfolio Risk Sharing Facility (PRS) offering 50% credit risk coverage for new MSME loans, co-funded by the European Union within the Western Balkans Enterprise Development and Innovation Facility.
• Bankarska Garancija (Bank Guarantees) Bank guarantees for payment security, advance payment security, and performance bonds in business transactions.
• Akreditiv (Letters of Credit) Documentary letters of credit for securing international transactions between buyers and sellers.
• ProPay International Payments Proprietary cross-border payment service within the ProCredit Group network enabling low-cost international transfers at a flat 2.50 EUR fee for intra-group payments, with tiered fees (15-75 EUR) for other international payments depending on amount and SHA/BEN/OUR options; incoming international transfers are free for primary account holders.
• ProBanking Internet Banking Web-based internet banking platform (legacy ProBanking and new ProBanking NOVO on EBA 5.0) for retail and business customers, available 24/7 for account management, domestic and international payments, FX transactions, standing orders, and credit access.
• mBanking Mobile Application New-generation mobile banking application available on iOS and Android, providing account overview, bill payments, card management, FX conversion, transaction tracking, ProPay digital wallet, and full digital account opening.
• ZONA 24/7 Self-Service Banking Self-service banking locations accessible 24 hours/day, 7 days/week for cash deposits, withdrawals, and account services without visiting a branch. Part of one of the most extensive self-service/ATM networks in BiH.

Quantifiable outcome

• Consumer loan interest rate as low as 3.99% for salary-receiving customers (campaign rate, valid until 31.07.2026)
• +6 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Four partnerships are on record, tiered minor and core.

• MojObrtminorGTM or Marketing PartnerMojObrt is a digital bookkeeping service (mojobrt.ba) partnered with ProCredit Bank to offer ProCredit business account holders in FBiH 6 months of free bookkeeping service. The partnership targets startups and sole proprietors (obrta) in Federation of Bosnia and Herzegovina, providing bundled banking and accounting services.
• FitPassminorGTM or Marketing PartnerFitPass is a fitness membership platform partnered with ProCredit Bank to offer new ProCredit account holders the first month of FitPass Premium membership free, with subsequent months at regular membership rates. The partnership targets young and health-conscious individuals.
• Poliklinika AtrijumminorGTM or Marketing PartnerPoliklinika Atrijum is a medical laboratory in Sarajevo partnered with ProCredit Bank to offer a preventive laboratory package of 30 blood tests for 55 KM (regular price 140 KM, 85 KM savings) exclusively for ProCredit Bank cardholders at three locations in Sarajevo.
• Quipu GmbH FrankfurtcoreTechnology or IntegrationQuipu GmbH Frankfurt developed and maintains the ProBanking eBanking application (version 5.1.2.12) for ProCredit Bank. The technology platform powers the bank's internet banking services, providing secure online banking infrastructure for both retail and business customers.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• ProCredit Bank Albania: Sister bank within the ProCredit Group operating in Albania with the same MSME-focused, green-finance-oriented strategy, group-wide digital platform, and German ownership.
• Nova Banka: BiH-headquartered commercial bank serving retail, SME, and corporate customers with deposit, lending, and digital banking products — a local peer without foreign strategic ownership.
• Intesa Sanpaolo Banka Bosna i Hercegovina: Italian-owned direct competitor providing retail, SME, and corporate banking services in BiH. Overlaps with ProCredit on consumer lending, mortgages, and business banking products.
• NLB Banka Sarajevo: Direct competitor owned by Slovenian NLB Group, offering retail and business banking in BiH. Comparable in serving SMEs and retail customers with a similar branch + digital channel model.
• ProCredit Bank Serbia: Fellow ProCredit Group member bank operating in Serbia, sharing group platform, ProPay, EBRD-backed credit lines, and the same ethical-banking positioning — most direct structural comparator.
• Sparkasse Bank Bosnia and Herzegovina: Direct peer owned by Erste Group, serving retail and SME segments in BiH with comparable digital banking, consumer credit, and business account offerings.
• Addiko Bank: Direct peer in BiH focused on consumer and SME lending, part of the Addiko Group operating across SEE. Comparable product mix in retail banking, mortgages, and SME credit.
• Raiffeisen Bank Bosnia and Herzegovina: Direct peer operating in retail, SME, and corporate banking across BiH with comparable deposit, lending, and digital banking products. Also part of an Austrian-backed banking group, similar to ProCredit's German ownership structure.
• UniCredit Bank Bosnia and Herzegovina: Direct competitor in the BiH commercial banking market, serving retail, SME, and corporate clients with a similar product set including accounts, consumer/mortgage loans, and digital banking. UniCredit is one of the largest banks in BiH by assets.

Others

• European Fund for Southeast Europe (EFSE): Development finance institution actively funding MSME lenders across BiH and the Western Balkans, including ProCredit Group banks. Adjacent ecosystem participant whose capital flows affect ProCredit BiH's MSME lending capacity.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@procreditbankbih
• Facebookfacebook.com/15VG9FnusK
• LinkedInlinkedin.com/company/procredit-bank-bosnia-and-herzegovina
• Instagraminstagram.com/procreditbank_bih

Compliance2 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 ProCredit Bank BiH