Question 1

What is Poštanska Štedionica Banja Luka?

Accepted Answer

Poštanska Štedionica Banja Luka is a commercial bank operating in Bosnia and Herzegovina, headquartered in Banja Luka, within the Republika Srpska entity. The bank is a state-owned subsidiary of the Serbian banking institution Poštanska štedionica a.d. Beograd.

It operates under the full legal name Banka Poštanska štedionica a.d. Banja Luka and serves retail and business customers throughout Bosnia and Herzegovina. The bank is supervised by the ABRS banking regulator based on Central Bank of Bosnia and Herzegovina regulations and is a member of the Deposit Insurance Agency of Bosnia and Herzegovina (AOD).

Question 2

When was Poštanska Štedionica Banja Luka founded?

Accepted Answer

Poštanska Štedionica Banja Luka began operating under its current name in 2022 following a significant transformation. The bank continues the legacy of Komercijalna banka a.d., which was originally founded in Banja Luka on September 26, 2006.

In October 2021, the Serbian parent bank Poštanska štedionica a.d. Beograd acquired the former subsidiary of Komercijalna banka in Bosnia and Herzegovina. This acquisition led to a rebranding and restructuring, with the bank officially adopting the Poštanska Štedionica brand in 2022.

Question 3

Where is Poštanska Štedionica Banja Luka headquartered?

Accepted Answer

The bank is headquartered at Ulica Jevrejska 69, 78000 Banja Luka, in the Republika Srpska entity of Bosnia and Herzegovina. This central location in Banja Luka serves as the administrative hub for the bank's operations throughout the country.

The headquarters manages the bank's strategic operations, regulatory compliance, and oversight of its branch network across Bosnia and Herzegovina.

Question 4

Where does Poštanska Štedionica Banja Luka operate?

Accepted Answer

Poštanska Štedionica Banja Luka operates throughout Bosnia and Herzegovina with a network of approximately 20 branches as of 2024. The bank maintains a presence in major cities across the Republika Srpska entity and the Federation of Bosnia and Herzegovina.

Key operational locations include Banja Luka, Bijeljina, Brčko, Drvar, Gradiška, Mrkonjić Grad, Prijedor, Sarajevo, Trebinje, and Zvornik. The bank also operates multiple agencies in smaller towns including Aleksandrovac, Laktaši, Pale, Šipovo, and Zalužani.

Additionally, the bank provides ATM services across these locations, ensuring convenient access for customers throughout the country.

Question 5

What services does Poštanska Štedionica Banja Luka offer?

Accepted Answer

Poštanska Štedionica Banja Luka offers a comprehensive range of banking services for both retail and business customers. Retail banking services include current accounts, savings accounts, term deposits, and housing loans with competitive interest rates.

The bank provides Visa Prepaid debit cards suitable for cashless payments and ATM withdrawals. Payment processing services include domestic transfers within the bank and to other banks in Bosnia and Herzegovina.

Digital banking services are a key focus, with the bank offering mobile banking through the mBank BPS application and e-banking platforms for web-based account management. These digital services provide 24/7 access to account information, balance inquiries, payment processing, foreign exchange transactions, payment templates, and loan and savings calculators.

Business customers benefit from electronic banking services that enable payment processing, account monitoring, statement downloads, and integration with business environments. The bank also offers foreign exchange services and government securities accounts for Republic of Srpska savings bonds.

Question 6

What makes Poštanska Štedionica Banja Luka unique?

Accepted Answer

Poštanska Štedionica Banja Luka distinguishes itself through its state ownership structure as a subsidiary of Serbia's fully government-owned Poštanska štedionica a.d. Beograd. This connection provides stability and backing from one of Serbia's largest banking institutions, which traces its roots to 1921 and was the first financial institution in former Yugoslavia to introduce credit cards.

The bank's heritage combines the historical legacy of Komercijalna banka, established in 2006, with the technological innovation and operational standards of its Serbian parent company. This merger of traditions has created a modern banking institution that leverages both local market knowledge and international banking expertise.

The bank operates with SWIFT code KOBBBA22XXX and is listed on the Banja Luka Stock Exchange under the ticker KMCB-R-A. Its integration with national payment infrastructure through BAMCARD ensures seamless card processing throughout Bosnia and Herzegovina.

Question 7

What type of financial institution is Poštanska Štedionica Banja Luka?

Accepted Answer

Poštanska Štedionica Banja Luka is classified as a commercial bank (komercijalna banka) under the banking regulations of Bosnia and Herzegovina. As a commercial bank, it is licensed to provide a full range of banking services including deposit-taking, lending, payment services, and foreign exchange operations.

The bank operates as a joint-stock company (akcionarsko društvo or a.d.) under Bosnian corporate law. It is regulated and supervised by the Banking Agency of Republika Srpska (ABRS) in accordance with the framework established by the Central Bank of Bosnia and Herzegovina.

As a member of the Deposit Insurance Agency of Bosnia and Herzegovina, customer deposits are protected under the country's deposit insurance scheme, providing additional security for depositors.

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