About the Bank
Universal Capital Bank AD Podgorica is a bank headquartered in Podgorica, established in 2007.
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About Us
Since its establishment in 2007, Universal Capital Bank AD Podgorica has been setting standards in the Montenegrin banking sector by continuously following global trends, understanding the needs of the market and clients with higher financial potential, and by consistently improving its range of products and services.
Our vision is to be a reliable partner, ready to recognise and support ambitious projects by applying innovation and international experience in our daily operations. Universal Capital Bank stands out for its unique client approach — listening carefully to their requirements and tailoring products and services to their specific needs, while applying the highest professional and ethical standards. By introducing modern technologies and digital solutions, we provide a more efficient and simpler banking experience, thereby contributing to the development of the business environment and strengthening trust.
We pay particular attention to building long-term relationships, both with clients and business partners. The Bank actively contributes to the development of Montenegro’s economy by supporting projects of importance to the market, while also initiating new opportunities for growth and innovation.
General Terms of Business
Our General Terms of Business ensure compliance with regulations, best practices, and a fair approach towards clients.
Basic Information about the Bank
Universal Capital Bank AD Podgorica was founded in 2007. In 2012, the Bank expanded its offering and began significant operations with retail clients.operations with the general population.
Privacy Policy
Our Privacy Policy covers applicable legislation, terms of use, disclaimers, external links, and copyright provisions.
Group
Monterock International is an international holding company headquartered in Dubai with a regulated fund in Cyprus, successfully operating for more than 25 years across various industries worldwide. The Group is particularly recognised for its strong presence in the luxury hotels and resorts sector, as well as for its strategic investments in hospitality, food & beverages, real estate, industrial technology, green energy, media, and banking.ars. The group is particularly recognized for its strong presence in the luxury hotel and resort sector, but also for its strategic investments in hospitality, food and beverage, real estate, industrial technology, green energy, media, and banking.
Management
Universal Capital Bank AD Podgorica is structured through several key governance bodies, ensuring efficient and transparent operations.
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Bank Governance
Corporate governance at the Bank is exercised through the General Assembly of Shareholders, which represents the owners of the Bank, protecting their interests and influencing the Bank’s operations in accordance with applicable regulations. The General Assembly is composed of all shareholders.
The Bank is managed by a Supervisory Board, responsible for overseeing the Bank’s operations and a Management Board, which performs the executive function, managing the Bank’s day-to-day business and representing it in line with the Law on Credit Institutions, the Law on Companies, and the Bank’s Articles of Association. Standing bodies of the Supervisory Board include: Risk Committee, Naming Committee, Remuneration Committee and Audit Committee.
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