Sustainable Development for a Stronger Future
Universal Capital Bank is leading the sustainable transformation of the financial sector. Through our 2025-2028 Sustainability Strategy, we are building long-term value by operating responsibly and transparently, offering innovative products, and supporting our community.
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The Role of Banks in Sustainability
We believe the banking sector has a key responsibility to contribute to the sustainable transition — not only through financial products, but also by actively supporting communities and responsibly managing risks.
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How banks can contribute to sustainability and community well-being
Responsible Business
At Universal Capital Bank, we believe that sustainability begins with responsible management. Our goal is to strengthen the Bank’s stability, protect our clients’ interests, and support community development through transparent processes and clearly defined responsibilities.defined responsibilities.
Innovative Sustainable Products
We believe that sustainable business is only possible with products that enable our clients to invest responsibly, contributing to environmental protection, economic resilience, and social equity.
Transparency and Reporting
Transparency for long-term trust.
At Universal Capital Bank, we believe that transparency is not just an obligation, but the foundation of trust with our clients, regulators, and the community. Regular reporting and impact monitoring allow us to operate responsibly, measure progress, and continuously improve our business practices.reporting and impact tracking allow us to operate responsibly, measure progress, and continuously improve our business practices.
Community and Employees
Building a resilient and inclusive community together.
Our employees, clients, and the local community are at the heart of everything we do. Through numerous initiatives, we actively contribute to community strength, human capital development, and the creation of equal opportunities for all.strengthening, human potential development, and creating equal opportunities for everyone.
Responsible Business
Responsible business for long-term success
At Universal Capital Bank, we believe sustainability begins with responsible governance. Our goal is to strengthen the Bank’s stability, protect our clients’ interests, and support community development through transparent processes and clearly defined responsibilities.
Sustainability Committee
We have established a Sustainability Committee, which plays a key role in implementing the Bank’s sustainability strategy and making all major decisions in line with the Bank’s long-term objectives. The Committee reports regularly to the Supervisory Board and ensures that sustainability issues are fully embedded in the business strategy.
The Committee’s responsibilities include:
- Monitoring the implementation of sustainability goals
- Adopting policies and procedures in line with regulatory requirements
- Regularly reporting to the Supervisory Board on progress
Drafting the Bank’s sustainability strategy
During 2024 and 2025, we developed the Universal Capital Bank Sustainability Strategy for the 2025–2028 period through a comprehensive project that included:
- Analysis of regulatory requirements and best international practices
- Collaboration with employees at all levels
- Consultations with key stakeholders – clients, regulators, partners, and the community
- Materiality assessment to identify priority issues for the Bank and its stakeholders
The material topics identified are:
- Responsible governance and regulatory compliance
- Development of sustainable financial products and client support in the transition
- Transparency and regular impact reporting
- Environmental protection through internal activities and the credit portfolio
- Community support and employee empowerment
- Promoting inclusiveness and gender equality
Innovative Sustainable Products
Financial Products for a Better Future
At Universal Capital Bank, we believe that sustainable business is not possible without products that enable our clients to invest responsibly and contribute to environmental protection, economic resilience, and social equity.
Our offer is directly aligned with the key sustainability topics we have identified:
Development of Sustainable Financial Products
Support for the Local Communities and Inclusiveness
Environmental Protection through Credit Products
Our offer includes:
Loans for Green Transition and Energy Efficiency
Direct contribution: Environmental protection and development of sustainable products. We support the green transition through products that enable energy efficiency and the preservation of natural resources:
EKO HOME and EKO SOLUTION loans for the purchase and renovation of energy-efficient households
Loans for electric and hybrid vehicles under favorable conditions
Loans for the sustainable tourism development, focused on eco-friendly projects and the preservation of natural resources
Loans Supporting Entrepreneurs and Small Businesses
Direct contribution: Community support, economic inclusion, and gender equality. We prioritize the growth of the local economy, especially entrepreneurship and small enterprises:
“Women in Focus” credit line – supporting women entrepreneurs
Microloans for small businesses and vulnerable communities
Loans for Pensioners and Foreign Residents
Direct contribution: Financial inclusion and support for vulnerable groups.We have developed products tailored to the specific needs of elderly citizens and foreign residents:
Loans for domestic pensioners with favourable repayment terms
Microloans for pensioners with free life insurance coverage
Loans for foreign pensioners with regular income from abroad
Loans for Students
Direct contribution: Supporting the community and youth education. We support education and youth development through:
Student microloans with favourable terms for studying at the University of Montenegro and international universities
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Transparency and Reporting
Transparent business for long-term trust.
At Universal Capital Bank, we believe transparency is not just an obligation, but the foundation of trust with our clients, regulators, and the community. Regular reporting and impact monitoring enable us to operate responsibly, measure progress, and continuously improve our business practices.
Community and Employees
Building a resilient and inclusive community together.
Our employees, clients, and the local community are at the heart of everything we do. Through numerous initiatives, we actively contribute to community strength, human capital development, and the creation of equal opportunities for all.
Support for Women Leaders and Entrepreneurs
We believe that empowering women is essential for building a more resilient and inclusive society. This is why we have launched several initiatives to support women in entrepreneurship and leadership:
- Credit line “Women in Focus” — a financial product with favorable conditions for women's entrepreneurship
- Partnership in the ŽIG Women’s Business Project, together with the Competitiveness Council, EBRD, and the British Embassy
- Membership in the WOBA (Women on Boards Adria) network, supporting greater women representation in leadership positions
- Launching internal mentorship programs for the development of women leaders
- Active participation in panels and conferences, including Women in Sustainable Finance
Employee Development
We see our employees as the foundation of the Bank’s sustainable growth. We have launched a continuous education program — UCBSkillBoost — aimed at enhancing skills and knowledge.
The program started with a Business English course, implemented in cooperation with the Cambridge Centre International House Podgorica.
Supporting the Local Community
Strengthening the community is an integral part of our business identity. During the 2025–2028 period, we plan to launch organised volunteer programs through which our employees can actively contribute to projects of social importance.
We have already implemented several significant initiatives, including:
- Renovation of the classroom and the gymnasium at Maksim Gorki Primary School in Podgorica, thus improving the conditions for the education and development of children
- Organising the international youth tennis tournaments in partnership with the Eminent Tennis Club.
Supporting Regional Initiatives
Universal Capital Bank is a proud partner and supporter of the ESG Adria Summit, the leading regional platform for promoting sustainable business. Through this cooperation, we engage in dialogue with institutions and companies across the region and contribute to the advancement of sustainable practices.
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