Universal Capital Bank AD Podgorica was established in 2007.
The Bank was awarded a license by the Central Bank of Montenegro on 12 July 2007, according to Decision No. 0101-2933/3-2. At the beginning of operations, the Bank was mainly focusing on business customers. During 2012, it expanded the scope of services and commenced engaging in personal banking to a more significant degree. The Bank received a permit for brokerage, dealership and custody operations reaching the full service to investment needs of its clients. The Bank opened a branch office in Dubai on 21 April 2016 being the first local bank in the region able to accomplish such geographical expansion, seeking to further promote Montenegro as a preferred investment destination.
Universal Capital Bank takes special pride in being recognized as a prestigious local banking institution with the aspiration to keep fostering Montenegro’s development as one of the most important regional centre for financial services and high-end tourism.
Personal
Accounts
Loans
- Cash/Refinancing
- Tourism Development
- Loans for Pensioners
- Loans for Pensioners with free life insurance policy
Savings
- UCB Anticipatory Savings
- Rent Savings
- Foreign Currency Savings
- Successive savings
- Successive savings for children
Cards
E-banking
Business
Payment operation
Financial support
Business support
Investment banking
In accordance with our primary business goal, which means fostering and enabling Foreign Direct Investments to Montenegro, we are proud to present Investment Banking Services, and our team, which is comprised of experienced professionals who will with their dedication to work and commitment to you needs most certainly justify your trust.
Investment Banking includes wide array of services which relate to business operations with securities:
- Brokerage services (intermediation in trading securities)
- Services in the field of organizing acquisition, including representation of shareholder in the process of sale of shares to the buyer.
- Custody Services (Services of safekeeping, and custodial services for Clients securities)
- Financial Markets Analysis
- Services in the field of organizing issuance of securities (agent and underwriter) – Organizing IPO (Initial Public Offer for the Securities) and underwriting new issues of the Securities
- Investment Consulting Services
The Bank provides services in the field of investment banking primarily through the operations of the Department of Broker-Dealer Services and the Department for Custody Services. These two departments comprise teams of experienced professionals who are at your disposal. Our employees are our competitive advantage. Individual approach to each client and innovations in providing the best solutions enable us to always satisfy specific needs of our clients, while being guided by highly professional and ethical principles in our operations provides safety and respect for the trust all our clients invest in us. Therefore, we are able to provide you with all the services available on the domestic financial market with quickly, with quality and with minimal engagement of your time and money, as well as complete service in all major global financial markets. Therefore, become our client today and join the club of satisfied users of investment banking services of Universal Capital Bank AD.
Loans for Tourism Development
Follow world trends and invest in the quality of your accommodation capacities. Universal Capital Bank’s tourism development loans will assist you!
Universal Capital Bank’s tourism development loans will assist you!
| Option | Tourism Development Loan |
|---|---|
| Nominal interest rate | 7.50% – 9.00% |
| Maturity | up to 60 months |
| Grace period | 3-6 months |
| Mode of repayment | As per contract |
| Collateral | mortgage / guarantee / pledge / other |
| One-time fee | up to 10,000.00 EUR – fee is 97.00 EURabove 10,000.00 EUR – fee is 148.00 EUR |
| Total Loan amount | 60,000 € |
|---|---|
| Installments | 60 |
| Monthly installment amount | 1,194.96 € |
| 1. one time fee | 148.00 € |
| 2. RKB report | 3 € |
| 3. Cost of five exchange bills | 10 € |
| 4. Real estate valuation costs | 110.00 € |
| 5. Real estate insurance costs | 56.69 € |
| 6. Real estate pledge statement costs | 276.25 € |
| 7. Mortgage registration costs | 20.00 € |
| 8. Real estate certificate issuance costs | 8.00 € |
| Annual nominal interest rate | 7.50 % |
| *Effective interest rate | 7.96 % |
| Total interest | 12,031.40 € |
| Total costs | 12,655.34 € |
| Total repayment amount | 72,655.34 € |