Each year, The Banker, a prestigious British magazine, highlights the best in global banking by recognising institutions that stand out for innovation, customer service, and sustainability. Among this year’s global winners are exceptional banks from the Adria region, demonstrating how these countries are contributing to the advancement of the financial sector on the world stage.
OTP Bank Albania has experienced a transformative year following its acquisition of Alpha Bank Albania in 2022. In just three days, it successfully merged IT systems, online platforms, and essential banking operations without interrupting services. This integration enhanced OTP’s market position, bolstered operational efficiency, and reduced its costto- income ratio to an impressive 44.7%. Noteworthy offerings include tailored loans for SMEs and innovative products for Albania’s agricultural sector, a key contributor to the nation’s economy.
UniCredit Bank Mostar has embraced digitalisation and sustainability with its “UniCredit for CEE” initiative, targeting MSMEs with competitive loan terms and advanced digital solutions. The launch of the “m-ba PLUS” mobile app has revolutionised business banking by enabling real-time account management. Under the leadership of CEO Amina Mahmutović, UniCredit has achieved a 44% profit increase and a return on equity of 19.6%, cementing its role as a financial leader.
Zagrebačka Banka has prioritised customer experience through digital transformation. The introduction of the voicebot assistant Mia and enhanced features in its m-zaba banking app have streamlined services for both retail and business clients. The bank has also integrated ESG data into its operations, empowering business clients to meet sustainability goals. This holistic approach underscores Zagrebačka Banka’s commitment to innovation and excellence.
NLB Banka AD Podgorica has redefined banking with agile methodologies and a customer-focused office redesign. Its upgraded NLB Klik mobile app and the introduction of NLB Budget Plus, an interest-free credit option for households, reflect a commitment to enhancing user experience. President Martin Leberle highlights the bank’s focus on green banking and digitalisation as essential for sustainable growth in an evolving industry.
Komercijalna Banka is leading North Macedonia toward digital banking with its OneID platform, enabling fully online account management. Joining the European Investment Bank’s Greening Financial Systems programme underscores its commitment to sustainability. As it approaches its 70th anniversary in 2025, Komercijalna Banka continues to innovate with a holistic sustainability strategy and cutting-edge technological upgrades.
Banca Intesa Serbia has set itself apart with innovative products like the IN payment account, tailored for tech-savvy youth. The bank’s contribution to the EBRD’s Enterprise Expansion Fund demonstrates its dedication to fostering SME growth in the Western Balkans. With a newly launched charitable foundation and a strong ESG focus, CEO Darko Popović emphasises the bank’s role in promoting inclusive growth and green transitions.
The merger of SKB banka with Nova KBM, forming the largest bank in Slovenia, marked a pivotal moment in 2024. By upskilling IT engineers and enhancing digital services, SKB has laid the groundwork for exceptional customer experiences. Sustainability efforts, including a green alignment assessment region’s As we look ahead to next year, we eagerly anticipate how these institutions will continue to push boundaries, deliver value, and set new benchmarks for success. The financial sector in the Adria region has never been more exciting, and we look forward to seeing the results in 2025.
