Hipotekarna Banka, will be a Bronze Partner of the ESG Adria Summit 2025. The bank is recognised in the market as a local market leader in financial service innovation, digitalization, and servicing the needs of its standard, premium, and business segment clients.

Their path to regional leadership is marked by a lasting commitment to Environmental, Social, and Governance (ESG) standards, sustainable financing, and innovative practices.

Sustainability Beginnings

As early as 2021, Hipotekarna Banka recognized the importance of ESG principles and signed the Principles for Responsible Banking, becoming the first bank in Montenegro to join the United Nations Environment Programme Finance Initiative.

Biljana Braithwaite, CEO of Sustineri Partners, organiser of the Summit, reflected on the partnership: "Hipotekarna Banka has become a true partner, with their commitment to sustainability and digital innovation deeply intertwined with our vision. I am glad to see it's becoming a tradition to have them here with us. Seeing their efforts and success rates in implementing sustainability standards, reminds us that real change is driven by shared values and a focus on the human impact."

Digital Transformation and New Services

Hipotekarna Banka has recognized digitalization as a critical factor for success in the modern banking world. Through a comprehensive digitalisation plan, the bank has been modernising its services over the last years, putting clients and their experience at the centre stage.

• Mobile and Web Banking: Upgraded applications and web platforms provide clients with easy and secure access to financial services. In fact the company increased its transactions through HB Klik (desktop banking app) by 77% between 2019 and 2023. 
• Google and Apple Pay: The Bank was the first on the market to launch Google Pay services in mid-2023.
• Contactless Payments: Integration with Apple Pay and Google Pay, as well as the introduction of the SOFT POS service (mojPOS), enable fast and simple payments.
• Process Automation: Utilizing robots and artificial intelligence to automate internal processes, such as document processing and order execution, increases efficiency and reduces costs.
• Video Identification: The video identification service allows clients to manage their accounts without visiting a branch, which is particularly beneficial for clients living abroad.

Caring for Community: Social Responsibility First

In addition to innovation, Hipotekarna Banka pays close attention to socially responsible practices.  Collaboration with various organisations in the fields of healthcare, education, culture, and sports, as well as support for civil society, are key parts of their business operations. Moreover,  Hipotekarna Banka ensures accessibility to its services for individuals who are discouraged from visiting branches due to time constraints or physical limitations.

All these efforts resulted with an award "ISKRA" and recognition from the Montenegrin Employers Federation, which confirmed their efforts and contribution to the community.

Towards a Sustainable Future

Hipotekarna Banka continues to set standards in the Montenegrin banking sector, merging innovation and sustainability. Their vision is to advance banking excellence by integrating responsible financial practices that contribute to long-term economic and social stability.