Naša Banka

Naša Banka a.d. Banja Luka is a commercial bank in Bosnia and Herzegovina. The institution operates mainly in Republika Srpska and provides retail and business banking services through a branch network and electronic channels. Its customer offering includes current accounts, deposits, debit and credit cards, mobile banking, and online banking. Card services are supported through BAMCARD, Bosnia and Herzegovina's national payment clearing and processing provider. The bank is a member of the Deposit Insurance Agency of Bosnia and Herzegovina and is supervised by the Banking Agency of Republika Srpska under the country's banking and central-bank framework. The present Naša Banka identity follows a long institutional history rooted in the former banking system of Socialist Bosnia and Herzegovina. Its predecessor in Bijeljina was established in 1974 as a branch of Privredna banka Sarajevo. Following the breakup of Yugoslavia, Bosnia and Herzegovina's independence, and the disruption of Sarajevo-based banking operations during the 1990s war, local authorities established Semberska banka a.d. Bijeljina in 1992. The bank was later privatized and renamed Pavlović Internacional Banka a.d. Bijeljina, taking its name from the Slobomir-based Pavlović business interests. The institution subsequently faced a difficult environment marked by the failures or closures of other banks in Bosnia and Herzegovina, including Bobar banka and Banka Srpske. In 2023 it began operating under the Naša Banka name. The rebranding placed the bank under its current Banja Luka identity while retaining the operating history and regulatory position of the predecessor institution. The bank's shares remain associated with the former Pavlović International Banka listing on the Banja Luka Stock Exchange under the symbol PIBB-O-A, and the bank is owned by Galens Invest Finance d.o.o. Zvornik. As described in available reference material, Naša Banka had 31 branches in Bosnia and Herzegovina in 2024. Its services combine conventional branch banking with digital account access and payment products. The bank's market position is that of a domestic private commercial bank rather than a multinational financial group. Its public profile has also been affected by historical media and prosecutorial attention surrounding allegations involving a purported mortgage issued to Republika Srpska political leader Milorad Dodik. Dodik denied the allegations, and the available material does not establish a final judicial finding against the bank. The institution nevertheless remains an active participant in Bosnia and Herzegovina's banking market under the Naša Banka brand.

Naša Banka's institutional history reaches back to the former banking architecture of Socialist Bosnia and Herzegovina. Privredna banka Sarajevo, operating as a major parent bank in the republic, developed a network of local branches and banking units in larger cities. In Bijeljina, the predecessor institution was established in 1974 as the Bijeljina branch of Privredna banka Sarajevo. The political and constitutional changes surrounding Bosnia and Herzegovina's independence disrupted the former banking system. In 1992, after the independence referendum and the onset of the war, Privredna banka Sarajevo was unable to continue normal operations in the area. Local authorities established Semberska banka a.d. Bijeljina as a successor institution for the local market. This transition reflected the broader fragmentation and reorganization of banking institutions during and after the conflict. Semberska banka was later privatized by businessman Slobodan Pavlović. The institution was renamed Pavlović Internacional Banka a.d. Bijeljina and became associated with the Slobomir business community. Under that identity, it operated as a private bank in Bosnia and Herzegovina and was connected to the share listing later identified by the symbol PIBB-O-A on the Banja Luka Stock Exchange. The bank operated during a period of considerable instability in the Bosnian banking sector. The collapse and closure of institutions such as Bobar banka and Banka Srpske generated wider concern about the resilience of smaller domestic banks. Reference material also reported that the continued operation of Pavlović Internacional Banka had been viewed as vulnerable during this period, although the available material does not provide a complete account of its financial condition or any formal resolution process. The predecessor bank was also associated with public controversy over allegations concerning a mortgage purportedly extended to Milorad Dodik. The allegations, dating to 2016, claimed that a fictitious mortgage had been used to facilitate the purchase of a high-value villa and obscure the source of funds. Dodik denied the claims, including in later public statements and questioning by the Prosecutor's Office of Bosnia and Herzegovina. The available reference does not establish a final court judgment or regulatory conclusion against Naša Banka or its predecessor, so the matter is best treated as an allegation and historical controversy rather than a proven finding. In 2023, the bank began operating under the Naša Banka name. The rebranding marked the transition from the Pavlović Internacional Banka identity to the current Banja Luka-based brand. Naša Banka is described as a private commercial bank, owned by Galens Invest Finance d.o.o. Zvornik, and remains subject to supervision by the Banking Agency of Republika Srpska. It is also a member of the Deposit Insurance Agency of Bosnia and Herzegovina. Under the Naša Banka identity, the institution provides conventional retail and business banking products, including current accounts, savings and deposits, debit and credit cards, and electronic access through mobile and internet banking. Its card activity uses BAMCARD for payment clearing and processing. The bank's reported 2024 network comprised 31 branches in towns across Bosnia and Herzegovina. Its current role is therefore that of a domestic bank with a strong Republika Srpska presence, combining a legacy branch network with standard digital and card-based banking services.

• 2024

  Reported 31-branch network

  [1]Naša Bankaen.wikipedia.org

  Reference material reported that the bank operated 31 branches in Bosnia and Herzegovina.

• 2023

  Naša Banka brand introduced

  [1]Naša Bankaen.wikipedia.org

  The institution began operating under the Naša Banka name and its current Banja Luka identity.

• 1992

  Semberska banka founded

  [1]Naša Bankaen.wikipedia.org

  Following the disruption of Privredna banka Sarajevo's local operations during the war, local authorities established Semberska banka a.d. Bijeljina.

• 1974

  Bijeljina predecessor established

  [1]Naša Bankaen.wikipedia.org

  Privredna banka Sarajevo established its Bijeljina branch, which later became the institutional predecessor of Naša Banka.

• Renamed Pavlović Internacional Banka

  [1]Naša Bankaen.wikipedia.org

  After privatization associated with Slobodan Pavlović, Semberska banka adopted the Pavlović Internacional Banka name and became linked to the Slobomir business interests.

A domestic private commercial bank serving retail and business customers in Bosnia and Herzegovina, with a primary presence in Republika Srpska and a combination of branch, card, and digital banking services.

• Retail banking

  Current accounts

  Transaction accounts for everyday payments and account management. Customers can access these services through the bank's branch network and, where available, through mobile and internet banking channels.

• Deposits

  Savings and deposits

  Deposit products for individuals and other customers. The available reference identifies deposits as part of the bank's offering but does not specify individual account types, terms, or rates.

• Payment cards

  Debit and credit cards

  Payment-card services supplied to bank customers and supported through BAMCARD, the national payment clearing and processing provider referenced in the bank's description.

• Digital banking

  Mobile and electronic banking

  Digital channels that allow customers to access current accounts and deposit-related services without relying exclusively on branch visits. The available material identifies both mobile banking and electronic banking but does not detail the specific functions or platforms.

• Corporate banking

  Business banking

  Commercial banking services for business customers. The reference classifies Naša Banka as a commercial bank but does not provide a detailed product catalogue or information about specific lending, treasury, or payment products.

• 2016

  Alleged fictitious mortgage involving Milorad Dodik

  Media reports alleged that the predecessor institution, Pavlović International Banka, had extended a fictitious mortgage to Milorad Dodik in connection with the purchase of a villa and the alleged concealment of the origin of funds. Dodik denied the allegations. The available reference does not document a final judicial determination, so the matter remains an allegation rather than an established finding.

  Source

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• 2023

  Rebrand from Pavlović Internacional Banka to Naša BankaStrategy

  Background

  The institution had operated under the Pavlović Internacional Banka identity after the earlier Semberska banka period and later became associated with a Banja Luka-based ownership and operating structure.

  Action taken

  The bank began operating under the Naša Banka name, presenting a new brand identity while continuing its domestic commercial-banking activities.

  Aftermath

  Naša Banka is described as an active private bank headquartered in Banja Luka, with a branch network, card services, and mobile and electronic banking.

  Source

1. 1Naša Bankaen.wikipedia.org