ATOS Bank
ATOS Bank a.d. Banja Luka is a commercial bank serving customers in Bosnia and Herzegovina, particularly in Republika Srpska.
Last updated August 31, 2026
AI crawler reads
No AI crawler has read this profile since Oct 28, 2026.
Overview
ATOS Bank a.d. Banja Luka is a commercial bank headquartered in Banja Luka, Bosnia and Herzegovina. The institution is the successor to a banking business established as Zepter komerc banka a.d. Banja Luka in 1999. Over the following two decades, it passed through several international ownership and branding phases: it became Volksbank a.d. Banja Luka after its acquisition by Austria's Volksbank International in 2007, and was subsequently rebranded Sberbank a.d. Banja Luka after Sberbank Europe Group acquired Volksbank International in 2012. The bank's current identity dates from 23 May 2022, when the former Sberbank a.d. Banja Luka was acquired by Bosnia and Herzegovina's Nova Banka and began operating under the ATOS Bank name. The transaction occurred during a period of acute pressure on Sberbank's European operations following Russia's invasion of Ukraine, international sanctions, and deposit outflows. Republika Srpska's banking regulator announced that Nova Banka had completed the purchase on 2 March 2022. The related Sberbank business in the Federation of Bosnia and Herzegovina followed a separate ownership path and was acquired by ASA Banka. ATOS Bank operates as a private commercial bank and maintains a branch network in Bosnia and Herzegovina. The reference material identifies 27 branches. Its banking activities are conducted within the country's regulatory framework: the bank is supervised by the Banking Agency of Republika Srpska and operates under regulations connected with the Central Bank of Bosnia and Herzegovina. It is also a member of Bosnia and Herzegovina's deposit-insurance system through the Deposit Insurance Agency. The bank provides conventional retail and commercial banking services, although the available reference material does not specify a complete product catalogue. Its publicly identified banking infrastructure includes debit-card services, branch access, and ATM availability. In March 2024, ATOS Bank and Nova Banka connected their ATM networks, allowing customers to withdraw cash with debit cards without charge across the participating network. The arrangement created a second large ATM network in the Bosnian market after the BAMCARD-operated BH mreža bankomata network. ATOS Bank's brand is therefore best understood as the post-2022 local successor to a bank with a longer institutional history. Its principal strategic characteristics are domestic banking coverage, continuity of service after a major ownership transition, integration with Nova Banka's infrastructure, and participation in Bosnia and Herzegovina's regulated deposit-taking system. No reliable source material supplied for this entry establishes a separate international operation, a current chief executive, detailed financial performance, or a standalone corporate website.
History
ATOS Bank's institutional history begins on 1 March 1999, when Zepter komerc banka a.d. Banja Luka was established in Banja Luka. The bank was created as a local commercial banking institution and later became part of a succession of international banking groups operating in Bosnia and Herzegovina. In July 2007, Volksbank International, an Austrian banking group, purchased the shares of Zepter Komerc Banka for approximately KM 82.1 million and became its owner. The institution was renamed Volksbank a.d. Banja Luka and operated within the wider Volksbank group. It had a sister institution, Volksbank BH d.d. Sarajevo, reflecting the group's presence in both major administrative areas of Bosnia and Herzegovina. A further ownership change occurred in 2012, when Sberbank Europe Group completed its acquisition of Volksbank International AG. The transaction brought the Bosnian Volksbank operations under Russian Sberbank ownership. At the beginning of 2013, the Banja Luka institution was renamed Sberbank a.d. Banja Luka. The Sarajevo business was also renamed Sberbank, but the two banks later followed separate ownership paths. Sberbank's Bosnian operations became vulnerable in early 2022 as the parent group withdrew from much of the European market. Sberbank announced on 2 February 2022 that it was exiting almost all European markets, citing deposit outflows and threats to personnel and assets in the aftermath of Russia's invasion of Ukraine and the international sanctions that followed. These conditions raised concerns about the future of the Sberbank subsidiary in Republika Srpska. On 2 March 2022, the Banking Agency of Republika Srpska announced that Nova Banka had completed the purchase of Sberbank a.d. Banja Luka. Nova Banka was associated with MG Mind, a company based in Mrkonjić Grad. The transaction preserved the local banking operation under new ownership. On 23 May 2022, the bank formally began operating under the ATOS Bank name. The related Sberbank bank in the Federation of Bosnia and Herzegovina was acquired separately by ASA Banka, so the two former Sberbank operations did not become a single successor institution. Under the ATOS Bank identity, the institution continued as a private commercial bank headquartered at Jevrejska 71 in Banja Luka. The available reference material describes a network of 27 branches and identifies the bank as a member of Bosnia and Herzegovina's Deposit Insurance Agency. Its supervision is conducted by the Banking Agency of Republika Srpska, within the broader regulatory environment involving the Central Bank of Bosnia and Herzegovina. In March 2024, ATOS Bank and Nova Banka linked their ATM networks. The arrangement allowed customers using debit cards issued by the participating banks to withdraw cash without charge across the joint network. It was described as the second ATM network in the Bosnian market after the BH mreža bankomata network operated by BAMCARD. This integration illustrates the post-acquisition relationship between ATOS Bank and Nova Banka and represents a practical expansion of customer access rather than a change in the bank's legal identity. The supplied sources do not provide reliable information about ATOS Bank's current executives, detailed financial results, standalone website, or a complete list of banking products. The bank is best documented as an active Bosnian commercial bank whose present brand was introduced in 2022 after the transfer of the former Sberbank operation to Nova Banka.
- 2024
Joint ATM network with Nova Banka
[1]ATOS Bank and Nova Banka joined their ATM networks, enabling free debit-card cash withdrawals within the participating network.
- 2022
Nova Banka completes the acquisition
[1]Nova Banka completed its purchase of Sberbank a.d. Banja Luka on 2 March 2022, according to the Republika Srpska banking regulator.
- 2022
ATOS Bank brand launches
[1]The institution began operating under the ATOS Bank name on 23 May 2022.
- 2013
The bank becomes Sberbank a.d. Banja Luka
[1]The former Volksbank operation in Banja Luka adopted the Sberbank name.
- 2012
Volksbank International is acquired by Sberbank Europe Group
[1]Sberbank Europe Group completed its acquisition of Volksbank International AG, bringing the Bosnian Volksbank operations into the Sberbank group.
- 2007
Volksbank International acquires the bank
[1]Volksbank International purchased the shares of Zepter Komerc Banka and the institution became Volksbank a.d. Banja Luka.
- 1999
Zepter komerc banka is founded
[1]Zepter komerc banka a.d. Banja Luka was established in Banja Luka on 1 March 1999.
Products and positioning
A domestic commercial bank in Bosnia and Herzegovina focused on branch banking, regulated deposit-taking, and integration with Nova Banka's customer and ATM infrastructure.
Banking services
Retail banking
ATOS Bank operates as a commercial bank serving customers through branches and payment infrastructure in Bosnia and Herzegovina. The supplied material confirms retail banking activity but does not provide a detailed catalogue of account, lending, or savings products.
Payments · 2024
Debit-card and ATM services
The bank provides debit-card cash-access services. Since the March 2024 ATM-network arrangement with Nova Banka, participating customers can withdraw cash without charge across the connected ATM infrastructure.
Banking services
Commercial banking
ATOS Bank is identified as a commercial bank and maintains a domestic branch network. The available reference does not specify the precise corporate lending, treasury, or business-account products offered under the current brand.
Brand decisions
2024
Integration of ATOS Bank and Nova Banka ATM networksStrategyBackground
Customers of the two banks used separate ATM infrastructures, limiting fee-free cash access across their combined customer base.
Action taken
ATOS Bank and Nova Banka connected their ATM networks and enabled free debit-card cash withdrawals across the participating network.
Aftermath
The arrangement created a second ATM network in the Bosnian market after the BAMCARD-operated BH mreža bankomata network.
2022
Transfer of the former Sberbank operation to Nova BankaM&ABackground
Sberbank's withdrawal from most European markets and the pressure created by deposit outflows, geopolitical disruption, and sanctions put its Bosnian operations at risk.
Action taken
Nova Banka acquired Sberbank a.d. Banja Luka, with the transaction announced as completed by the Republika Srpska banking regulator on 2 March 2022.
Aftermath
The bank continued under new ownership and adopted the ATOS Bank name on 23 May 2022.
Recent events
- Unconfirmed
Sberbank Europe agrees to sell subsidiary banks in Central and Eastern Europe[2]
Reported:
Sberbank Europe AG signed an agreement to sell its subsidiary credit institutions in Bosnia and Herzegovina, Croatia, Hungary, Serbia and Slovenia to a group including AIK Banka, Gorenjska Banka and Agri Europe Cyprus. The transaction remains subject to regulatory and antimonopoly approvals.
Sources2 sources
Cite this profile: Cite the canonical profile. /brand-wiki/atos-bank · Editorial policy · How profiles are compiled