ProCredit Bank has been operating in the market of Bosnia and Herzegovina for almost three decades, with a clear focus on support for micro, small and medium enterprises (MSME), but also the development of modern services for individuals.
The Bank is recognized by the combination of financial and advisory support, strong orientation towards green investments and the continuous development of digital solutions that facilitate customer operations. We discussed strategic priorities, current initiatives and challenges with Enes Mešić, the Director of the Support Department and the Development of the Economy in ProCredit Bank.
Speaking of the bank’s position in the domestic financial sector, Mešić emphasizes that ProCredit Bank is a development-oriented institution.
– Our main focus is support for micro, small and medium enterprises, because we believe that this segment is a key driver of economic development and job creation in the country – explains.
In addition to the company, the Bank pays special attention to individuals to whom it offers modern digital services, with the emphasis on accountable banking and transparent business conditions. Special emphasis was also placed on green investments and energy efficiency projects. – We believe that sustainable development goes hand in hand with the country’s economic progress – Adds Mešić.
In order to support newly established businesses, ProCredit Bank has developed a Prostart package of services intended for companies that operate less than six months. It includes free account maintenance in local and foreign currency, free payment operations in the country, electronic banking and business card.
– In this way, we contribute to the development of small businesses as future generators of economic growth and new jobs in the country – the Mešić points out.
ProCredit Bank strategic priority, as is the combination of financial and advisory support.
– Therefore, we continuously invest in the education of our employees, who perform in contact with clients as advisors, not just sales officers. In this way, we assist companies to make better investment decisions, especially in the areas of digitization and energy efficiency – says Mešić.
At the same time, the Bank is made available to clients with appropriate credit and guarantee lines, which enable them a more secure and more flexible approach to funding.
– In this way, we help enterprises to make informed investment decisions, especially in the areas of digitization and energy efficiency. This actively contribute to their sustainable growth, strengthening competitiveness and the development of the entire business environment in Bosnia and Herzegovina – the director emphasizes.
ProCredit Bank has been between the pioneers of digitization in banking for years. – Our goal is to enable customers to enable faster, simpler and more efficient services. In 2015, we introduced zones 24/7, as an alternative to traditional branches, allowing customers to save time and money through the independence of everyday transactions – explains Mešić.
The Bank also invests in parallel in automation of internal processes, to improve the quality of service and shorten the processing time of the request. One of the significant improvements currently in preparation is new electronic and mobile banking for legal and natural persons.
– This decision brings a number of new functionalities and even more simpler financial management, which we confirm our strategic orientation towards digitization and the creation of sustainable, modern solutions that meet the real needs of our clients – says Edin Mešić.
The advantages of digitization are especially pronounced in entrepreneurs and small businesses. – We have made customers made available by zones 24/7, where independent of the bank’s work may execute a position of market and other basic transactions. Through modern electronic banking, they have a safe and transparent approach to all services – from domestic to international payment operations to information on credit placements – with complete cost control. In this way, we provide them with more efficient business, significant time savings and greater transparency in everyday financial activities – Mešić emphasizes.
Although digitization is in the center of banking service development, ProCredit Bank does not neglect the importance of personal communication.
– Digitization allowed us to offer customers more simpler and faster channels for performing everyday banking. However, we believe that the key to the top service lies in a combination of digital and personal access – says Mešić.
That is why customers advisers continue to be a central point of support. – Our advisors are professional and continuously educated, which allows us to provide us with small and medium enterprises not only efficiency and availability, but also quality consultancy adapted to their specific needs – adds.
ProCredit Bank is also recognized by continuous investment in education – both their own employees and its clients. In the past period, a series of trainings and panel discussions dedicated to topics such as investments in renewable energy, CBAM regulations and other areas of important for SME sector business.
– Additionally, since September 2025, we have made customers available proconnect, a unique platform that allows networking with potential business partners in 12 countries in Southeast and Eastern Europe and Germany. In this way, we help customers improve financial knowledge, they better plan business, but also find new customers, suppliers and opportunities to go to foreign markets – explains Mešić.
Challenges and obstacles in the market
Speaking about the challenges faced by entrepreneurs in BiH, Mešić points out that among key problems delay in the application of legal regulations related to digitization. – Electronic signature and digital onboarding clients are still not in full use, which makes business difficult – states.
ProCredit Bank, however, strives to facilitate the business of clients.
– We are continuously working on improving our own processes to enable customers faster and simpler service. Through transparent procedures, custom credit products and focus on an advisory role, we strive to assist entrepreneurs to overcome administrative and financial barriers and thus focus on business development – concludes director.
