Created by Anna Mileiko 
Universal Capital Bank started its operations in 2007, mainly focusing on business customers. In 2012 Universal Capital Bank expanded its services and commenced engaging in personal banking. In April 2016 Universal Capital Bank opened a branch office in Dubai. Universal Capital Bank operates as a universal commercial bank providing retail, corporate and investment banking products and services to both private individuals and corporate customers.
In 2023, Universal Capital Bank AD Podgorica achieved the position of 6th largest bank in Montenegro with a market share of 6.27%; its total assets dropped by 15.40%.
Additionally, the bank became the 6th profitable bank in relation to its total assets showcasing 1.88% return on assets and 27.69% return on equity in 2023.
Deposits up to 50,000 EUR are covered by Montenegro's deposit guarantee scheme in Universal Capital Bank AD Podgorica.
Montenegro
internationally
EUR (Euro)
USD (US dollar)
Becoming a client of Universal Capital Bank AD Podgorica can be done in a few steps:
Universal Capital Bank AD Podgorica performs client's identity verification via branch visit.
branch
online banking
Universal Capital Bank AD Podgorica is the 6th largest bank in Montenegro in terms of total assets. In 2023 its total assets were 401,79 mln EUR, providing the bank with the market share of 6.27%. In 2023 the bank's net income was 8,26 mln EUR.
Deposit Protection Fund (FZD)Universal Capital Bank AD Podgorica participates in the deposit guarantee scheme of Montenegro which applies to all deposit accounts made by natural persons (Montenegrin and foreign), legal entities and covers up to up to 50,000 EUR per bank per depositor. Universal Capital Bank AD Podgorica is a member of Deposit Protection Fund (FZD) and makes its contributions into it.
Stanka Dragojevića bb, 81000, Podgorica, Montenegro
+382 20 481 481
+382 20 481 482Universal Capital Bank AD Podgorica is headquartered in Podgorica.
Universal Capital Bank AD Podgorica is authorized and supervised by the Central Bank of Montenegro (reference number 40008441).
