Work and residence permit
Banking sector
Why invest?
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The Republic of Srpska has established an adequate regulatory and legal framework in the banking sector, largely aligned with European Union regulations.
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The banking sector includes banks, microcredit organizations, electronic money institutions and leasing companies.
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The Republic of Srpska has established a functional regulatory and supervisory body (the Banking Agency of the Republika Srpska).
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In the coming period, it is planned to create systemic preconditions for the gradual liberalization of the payment services market through the introduction of other payment service providers and the creation of conditions for the development of the "fintech" industry, the introduction of new payment services, as well as the further development of the domestic banking market.
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The Republic of Srpska is recording continuous growth of the banking sector in total financial sector assets.
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There is a noticeable qualitative improvement in the structure of employees in the sector.
Banking services
There are currently 8 banks operating in the Republic of Srpska, with a network of 279 organizational units and 50 organizational units in 7 banks headquartered in the Federation of Bosnia and Herzegovina.
Below is a list of banks in the Republic of Srpska that currently have a license issued by the Banking Agency of Republika Srpska.
List of banks in the Republic of Srpska (data of the Banking Agency of the Republic of Srpska)
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NLB Bank Banja Luka
Address: Milana Tepića 4, Banja Luka |
Atos Bank Banja Luka
Address: Jevrejska 71, Banja Luka |
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Addiko Bank Banja Luka
Address: Aleja Svetog Save 13, Banja Luka |
BPŠ Bank Banja Luka
Address: Jevrejska 69, Banja Luka |
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Nova banka Banja Luka
Address: Kralja Alfonsa XIII 37a, Banja Luka |
UniCredit Bank Banja Luka
Address: Marije Bursać 7, Banja Luka |
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Naša banka Banja Luka
Address: Ivana Franje Jukića 1, Banja Luka |
MF Bank Banja Luka
Address: Aleja Svetog Save 61, Banja Luka |
They have already invested
In addition to domestic investors, the banking sector was also interesting for foreign investors, such as:
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UniCredit S.p.A. (UniCredit Bank a.d. Banja Luka),
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Addiko Bank AG (Addiko Bank a.d. Banja Luka),
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Nova Ljubljanska Banka d.d. Ljubljana (NLB BANKA a.d. Banja Luka),
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Banka Poštanska Štedionica a.d. Beograd (Banka Poštanska Štedionica a.d. Banja Luka).
Microcredit services
There are currently 14 microcredit companies operating in the Republic of Srpska, with a network of 287 organizational units and 127 organizational units within 9 microcredit organizations (2 microcredit companies and 7 microcredit foundations) headquartered in the Federation of Bosnia and Herzegovina.
Below is a list of microcredit companies in the Republic of Srpska that currently have a license to operate issued by the Banking Agency of the Republic of Srpska.
List of microcredit companies in the Republic of Srpska (data of the Banking Agency of the Republic of Srpska)
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„Mikrofin" d.o.o. Banja Luka
Address: Vase Pelagića 22, Banja Luka |
„FinCredit" d.o.o. Banja Luka
Address: Nikole Pašića 1, Banja Luka |
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„Pro fin" d.o.o. Istočno Sarajevo
Address: Spasovdanska bb, Istočno Sarajevo |
„Credis" a.d. Banja Luka
Address: Knjaza Miloša 3a, Banja Luka |
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„Taurus" d.o.o. Banja Luka
Address: Jovana Dučića 25, Banja Luka |
„FLEX CREDIT" d.o.o. Banja Luka
Address: Miše Stupara 3, Banja Luka |
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„Prvo penzionersko mikrokreditno društvo" a.d. Banja Luka
Address: Kralja Petra I Karađorđevića 66, Banja Luka |
„Brčko gas penzionersko mikrokreditno društvo" a.d. Banja Luka
Address: Kralja Petra I Karađorđevića 119, Banja Luka |
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„Privrednik" d.o.o. Bijeljina
Address: Stefana Dečanskog 125, Bijeljina |
„Digital Finance International" d.o.o. Banja Luka
Address: Svetozara Markovića 5/11, Banja Luka |
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„Zdravo" d.o.o. Banja Luka
Address: Stepe Stepanovića 175 B, Banja Luka |
„Auris" a.d. Banja Luka
Address: Veljka Mlađenovića 7d, Banja Luka |
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„Prodest" d.o.o. Banja Luka
Address: Dositeja Obradovića 1, Banja Luka |
„Krajina mikrokreditno društvo" a.d.
Address: Braće Pantić 2, Banja Luka |
Electronic money issuing services
There are currently three electronic money issuing companies operating in the Republika Srpska, with headquarters in the Republika Srpska.
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„Digital Money Transfer" d.o.o. Banja Luka
Address: Braće Pantića 2, Banja Luka |
„Aircash AC" d.o.o. Banja Luka
Address: Dunavska 1C, Banja Luka |
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„Mtel" a.d. Banja Luka
Address: Vuka Karadžića 2, Banja Luka |
Leasing services
There are currently 4 business units operating in Republika Srpska, consisting of 4 lessors based in the Federation of Bosnia and Herzegovina. Also, the organizational part of a bank based in the Federation of Bosnia and Herzegovina, which performs financial leasing operations, is also present on the Republika Srpska market.
