A brief reflection on 2025 — this year marks a proud milestone, as Komercijalna Banka celebrates seventy years of success, growth and trust. Over the past seven decades, we have become one of the most respected and recognized commercial bank in the country, embodying stability, innovation and lasting partnership with all stakeholders. Our legacy is defined by consistent record of strong performance and meaningful contributions to the banking sector, the economic development and the national economy. At the heart of our success lies an unwavering commitment to delivering trust, quality and responsible banking, values that guide our decisions and define our reputation, while upholding the highest industry standards.
The year of 2025 distinguished itself through outstanding results and strategic progress. We strengthened our leadership position in the market, achieved excellent financial outcomes and reinforced our commitment to providing modern, accessible and reliable banking solutions. Komercijalna Banka’s achievements this year were further acknowledged through Global Finance’s Best Bank Awards, honoring financial institutions that demonstrate service diversity, enduring stability and commitment to technological innovations.
As we close another successful year marked by strong performance and steadfast commitment, we look forward to the future with confidence, committed to continuous innovation, operational excellence and the creation of lasting value for all of our stakeholders, shaping our future of progress, resilience and shared success.
In our financing activities, we remain committed to the highest standards of integrity and responsibility, promoting green facilities financing, sustainable and long-term value for those who we serve, and thus to contribute positively to the society and environment. These initiatives are aligning our strategies with environmental and social responsibility, aiming to achieve ESG standards at high level. We continue to serve as a cornerstone for businesses, supporting major investments in the country and striving to shape best practices across their projects. By providing guidance, financing and strategic insight we aim to promote high standards and lasting impact initiatives.
Client focus – behind every number lies a genuine understanding of our clients’ needs. Every product, every digital service, and every piece of advice is thoughtfully designed to meet the expectations and aspirations of our clients — across both individuals and corporate segments.
Customer experience has become one of the most important pillars for competitive advantage. It is clearer that the banks which truly understand the people and businesses they serve, including their goals, challenges and realities, are the ones that continue to grow and lead. Through a personalized approach, we build meaningful relations and ensure that every interaction reflects our commitment to putting clients at the heart of everything we do.
Digitalization is not just about technology — it’s a mindset. For us, new digital solutions are more than tools, as said before, they build meaningful and deeper connection between the bank and its clients.
Komercijalna Banka has invested in modern, redesigned online and mobile banking platforms, delivering simple, secure and intuitive digital experiences that save time, money, enhance efficiency and promote financial literacy.
Digital transformation is no longer just a strategy, it is a shared journey for every individual and every company — one that the Bank understands and actively supports. Guided by our core values of trust and care, we ensure that every digital interaction reflects our commitment to client’s success.
With our new digital tools, we are evolving into online advisors, empowering clients to make smarter financial decisions, while experiencing greater convenience, reliability and guidance. With our new digital tools, we also turn technology into a human centered experience that strengthens relationships and builds lasting value — both online and beyond, including in our modern Digital Zones designed to bring personalized service into the digital age.
Payments via Apple Pay have been also enabled, with the implementation of the bank card digitization through the Wallet app. In addition, the number of electronic banking users continued to grow steadily, reflecting the increasing adoption of digital banking services by our clients.
Komercijalna Banka is proud to have successfully managed the timely technical integration of the systems to enable access the SEPA Credit Transfer service. The Bank has been added to the SEPA Credit Transfer Participant Register and foreign currency SEPA credit transfers are now available for both, individuals and legal entities.
As we look ahead to the new year, it is important reflect on the incredible journey that employees have taken and the path that lies ahead. Across industries the labor market has faced obstacles, low participation, productivity pressures, accompanied by the constant change. Yet, the strength of the bank lies in its employees, whose creativity and dedication define the bank. The world is changing faster than ever, with new technologies, AI driven tools, innovative ways of working reshaping every sector. For the employees, these changes present opportunities, but also a commitment for continuous learning, adaptability, collaboration, and willingness to exploring new skills and knowledge. Therefore, by investing in themselves, supporting one another, remaining agile, staff can turn obstacles into opportunities. Technology remains partner in growth, enables employees to work smarter, innovate faster and focus on creativity and human connection.
Looking ahead, the macroeconomic environment remains exposed to several risks, as geopolitical tensions and market uncertainties, that may indirectly impact domestic growth. We actively monitor economic developments and adapt our strategies to mitigate the impact of such risk factors. Through prudent risk management, diversified financing, and sustainable investment practices, we continue to safeguard our shareholders and clients’ interests and support the long-term growth of the national economy. In addition to these challenges, although we are facing regulatory changes, we recognize that adapting to these developments requires full compliance, a principle that is non-negotiable. Our priority related to that point is to ensure that our operations meet the new requirements, while continuing to deliver value, innovation, and trust to those we serve.
2026 – The Year of Connection – the main challenge and opportunity will be strengthening the link between technology and people, banking and everyday life, economic growth and social responsibility.
We aim to achieve this through increased, responsible, and practical use of artificial intelligence, innovation in products and services, responsible investments, support for green projects, and greater financial and digital inclusion.
We believe that financial growth holds no true value unless it creates a positive social impact.
As we step into the new year, we do so not only with ambitions for higher figures but with a clear purpose — to create more value.
For our clients. For the economy. For the community.
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