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href=https://www.otpbanka.rs/en/retail/car-loans/car-loan-at-the-car-dealer/ >Car loan at the car dealer</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Savings <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/retail/savings/special-offer-fixed-term-saving/ >Special offer-Fixed-term savings </a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/savings/fixed-term-savings/ >Fixed-term savings </a> </li> <li> <a href=https://www.otpbanka.rs/en/retail-2-2/rent-saving/ >Rent savings</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/savings/a-vista-savings/ >A Vista Savings</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/savings/flexi-savings/ >Flexi savings</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/voluntary-pension-fund/ >Voluntary pension fund</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Special offers <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/retail/fluo-offer-for-youth/ >Fluo - for youth</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/evergrin-for-pensioners/ >Evergreen - for pensioners</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/privilege-premium-offer/ >Privilege – premium offer</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/sinhro/ >Sinhro – for lump-sum entrepreneurs</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/gold-offer/ >Gold offer</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Electronic banking <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/retail/e-bank/ >E-bank</a> </li> <li> <a href=https://www.otpbanka.rs/en/oti-tvoj-otp-asistent/ >Oti - your OTP assistant</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail-2-2/m-bank/ >M-bank</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/sms-service/ >SMS Service</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/ivr/ >IVR</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Insurance <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a target=_blank href=https://www.otposiguranje.rs/ > Life insurance</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/international-travel-insurance/ >Travel insurance</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/property-insurance/ >Property insurance</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/loan-insurance-in-the-case-of-job-loss/ >Unemployment insurance</a> </li> <li> <a href=https://www.otpbanka.rs/en/household-insurance/ >Household Insurance- m-bank application-</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Other services <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/retail/world-of-discounts/ >WORLD of discounts</a> </li></ul> </li> <li class="header__menu-dropdown-col header__menu-dropdown-col--mobile"> <a href=https://www.otpbanka.rs/en/retail/tariffs/ class="header__menu-dropdown-title header__menu-dropdown-title--tariffs">TARIFFS</a> </li></ul> <a href=https://www.otpbanka.rs/en/retail/tariffs/ class="btn btn--transparent white"> <span>TARIFFS</span> <svg class="icon icon-arow_lead"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_lead></use> </svg> </a></div> </li> <li> <a class=desktop-only-lg href=https://www.otpbanka.rs/en/small-business/ data-js=menu-dropdown-trigger data-status=off> Small Business </a> <a class=mobile-only-lg href=#. data-js=menu-dropdown-trigger-mob data-status=off ><div class="mobile-only-lg menu-icon"> <svg class="icon mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-></use> </svg></div> Small Business <svg class="icon icon-arow_one"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </a><div class="header__menu-dropdown is-active-desktop desktop-only-lg" data-js=menu-dropdown><ul class=header__menu-dropdown-content> <li class="header__menu-dropdown-col desktop-only-lg" data-js=dropdown-title-trigger data-status=off> <span class=header__menu-dropdown-title> Daily operations </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/small-business/paketi-racuna/ >Account packages</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/payment/ >Payment</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/business-payment-cards/ >Business Payment Cards</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/pos-terminals/ >POS terminals</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/swift-legal-entities/ >Cash transfer – SWIFT</a> </li> <li> <a href=https://www.otpbanka.rs/en/cash-processing/ >Cash processing</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/payroll-for-companies/ >Payroll for companies</a> </li></ul> </li> <li class="header__menu-dropdown-col desktop-only-lg" data-js=dropdown-title-trigger data-status=off> <span class=header__menu-dropdown-title> Loans </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/small-business/current-account-overdraft/ >Current Account Overdraft</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/loan-for-working-capital-and-maintenance-of-liquidity/ >Loan for working capital and maintenance of liquidity</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/short-term-revolving-credit-line/ >Short-term revolving credit line</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/multi-purpose-credit-line/ >Multi-purpose credit line</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/loan-with-100-down-payment/ >Loan with 100% down payment</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/investment-loan/ >Investment loan</a> </li> <li> <a href=https://www.otpbanka.rs/en/cosme-program/ >Cosme program</a> </li></ul> </li> <li class="header__menu-dropdown-col desktop-only-lg" data-js=dropdown-title-trigger data-status=off> <span class=header__menu-dropdown-title> Digital services </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/small-business/biznis-m-bank/ >Business m-bank</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/electronic-bank/biznis-ebank/ >Business e-bank</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/online-sales/ >E commerc</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/e-teller/ >E-teller</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/electronic-banking/ >Electronic banking</a> </li></ul> </li> <li class="header__menu-dropdown-col desktop-only-lg" data-js=dropdown-title-trigger data-status=off> <span class=header__menu-dropdown-title> Leasing </span><ul data-js=submenu-dropdown> <li> <a target=_blank href=http://www.otpleasingsrbija.rs/ >OTP Leasing Srbija</a> </li></ul> </li> <li class="header__menu-dropdown-col desktop-only-lg" data-js=dropdown-title-trigger data-status=off> <span class=header__menu-dropdown-title> Factoring </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/small-business/national-factoring/ >National factoring</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/international-factoring/ >International factoring</a> </li></ul> </li> <li class="header__menu-dropdown-col desktop-only-lg" data-js=dropdown-title-trigger data-status=off> <span class=header__menu-dropdown-title> Special offers </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/small-business/production/ >Production</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/transport-and-forwarding/ >Transport and Forwarding</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/trade-retail/ >Trade – Retail</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/trade-wholesale-importers/ >Trade, wholesale - importers</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/doctors-and-dentists/ >Doctors and dentists</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/bookkeepers-notaries-and-lawyers/ >Bookkeepers, notaries and lawyers</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/sinhro-for-tax/ >Sinhro – for lump-sum taxpayers</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/offer-for-startups/ >Offer for startups</a> </li></ul> </li> <li class="header__menu-dropdown-col desktop-only-lg" data-js=dropdown-title-trigger data-status=off> <span class=header__menu-dropdown-title> Documentary operations and guarantees </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/mali-biznis/garancije/ >Guarantees</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/documentary-letters-of-credit/ >Documentary letters of credit</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/documentary-collection/ >Documentary collection – incasso</a> </li></ul> </li> <li class="header__menu-dropdown-col desktop-only-lg" data-js=dropdown-title-trigger data-status=off> <span class=header__menu-dropdown-title> Finance markets </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/small-business/money-and-foreign-currency-markets/ >Money and foreign currency markets</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/custody-corporate/ >Custody</a> </li></ul> </li> <li class="header__menu-dropdown-col header__menu-dropdown-col--mobile"> <a href=https://www.otpbanka.rs/en/small-business/tarife-mali-biznis/ class="header__menu-dropdown-title header__menu-dropdown-title--tariffs">TARIFFS</a> </li></ul> <a href=https://www.otpbanka.rs/en/small-business/tarife-mali-biznis/ class="btn btn--transparent white"> <span>TARIFFS</span> <svg class="icon icon-arow_lead"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_lead></use> </svg> </a></div><div class="header__menu-dropdown is-active-desktop mobile-only-lg" data-js=menu-dropdown-mob><div class="menu-title mobile-only-lg"> <a href=https://www.otpbanka.rs/en/small-business/ >Small Business</a> <svg class="icon icon-arow_one" data-js=menu-dropdown-trigger-mob data-status=on> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-back></use> </svg></div><ul class=header__menu-dropdown-content> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Daily operations <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/small-business/paketi-racuna/ >Account packages</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/payment/ >Payment</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/business-payment-cards/ >Business Payment Cards</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/pos-terminals/ >POS terminals</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/swift-legal-entities/ >Cash transfer – SWIFT</a> </li> <li> <a href=https://www.otpbanka.rs/en/cash-processing/ >Cash processing</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/payroll-for-companies/ >Payroll for companies</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Loans <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/small-business/current-account-overdraft/ >Current Account Overdraft</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/loan-for-working-capital-and-maintenance-of-liquidity/ >Loan for working capital and maintenance of liquidity</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/short-term-revolving-credit-line/ >Short-term revolving credit line</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/multi-purpose-credit-line/ >Multi-purpose credit line</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/loan-with-100-down-payment/ >Loan with 100% down payment</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/investment-loan/ >Investment loan</a> </li> <li> <a href=https://www.otpbanka.rs/en/cosme-program/ >Cosme program</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Digital services <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/small-business/biznis-m-bank/ >Business m-bank</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/electronic-bank/biznis-ebank/ >Business e-bank</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/online-sales/ >E commerc</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/e-teller/ >E-teller</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/electronic-banking/ >Electronic banking</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Leasing <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a target=_blank href=http://www.otpleasingsrbija.rs/ >OTP Leasing Srbija</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Factoring <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/small-business/national-factoring/ >National factoring</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/international-factoring/ >International factoring</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Special offers <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/small-business/production/ >Production</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/transport-and-forwarding/ >Transport and Forwarding</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/trade-retail/ >Trade – Retail</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/trade-wholesale-importers/ >Trade, wholesale - importers</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/doctors-and-dentists/ >Doctors and dentists</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/bookkeepers-notaries-and-lawyers/ >Bookkeepers, notaries and lawyers</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/sinhro-for-tax/ >Sinhro – for lump-sum taxpayers</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/offer-for-startups/ >Offer for startups</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Documentary operations and guarantees <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/mali-biznis/garancije/ >Guarantees</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/documentary-letters-of-credit/ >Documentary letters of credit</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/documentary-collection/ >Documentary collection – incasso</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Finance markets <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/small-business/money-and-foreign-currency-markets/ >Money and foreign currency markets</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/custody-corporate/ >Custody</a> </li></ul> </li> <li class="header__menu-dropdown-col header__menu-dropdown-col--mobile"> <a href=https://www.otpbanka.rs/en/small-business/tarife-mali-biznis/ class="header__menu-dropdown-title header__menu-dropdown-title--tariffs">TARIFFS</a> </li></ul> <a href=https://www.otpbanka.rs/en/small-business/tarife-mali-biznis/ class="btn btn--transparent white"> <span>TARIFFS</span> <svg class="icon icon-arow_lead"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_lead></use> </svg> </a></div> </li> <li> <a class=desktop-only-lg href=https://www.otpbanka.rs/en/agricultural-households/ data-status=off> Agricultural households </a> <a class=mobile-only-lg href=#. data-js=menu-dropdown-trigger-mob data-status=off ><div class="mobile-only-lg menu-icon"> <svg class="icon mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-></use> </svg></div> Agricultural households <svg class="icon icon-arow_one"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </a><div class="header__menu-dropdown is-active-desktop desktop-only-lg" ></div><div class="header__menu-dropdown is-active-desktop mobile-only-lg" data-js=menu-dropdown-mob><div class="menu-title mobile-only-lg"> <a href=https://www.otpbanka.rs/en/agricultural-households/ >Agricultural households</a> <svg class="icon icon-arow_one" data-js=menu-dropdown-trigger-mob data-status=on> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-back></use> </svg></div><ul class=header__menu-dropdown-content> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Agricultural <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/agricultural-households/agro-account-package-2/ >Agro account package</a> </li> <li> <a href>Subsidized Agro Loans</a> </li> <li> <a href=https://www.otpbanka.rs/en/agricultural-households/approved-overdraft-rpg/ >Approved overdraft</a> </li> <li> <a href=https://www.otpbanka.rs/en/agricultural-households/investment-loans-rpg/ >Ivestment loan for RPG</a> </li> <li> <a href=https://www.otpbanka.rs/en/agricultural-households/investment-loan-up-to-five-years/ >Investment loan up to 5 years</a> </li> <li> <a href=https://www.otpbanka.rs/en/agricultural-households/loan-for-the-new-mornings/ >Investment loan for the new mornings</a> </li> <li> <a href=https://www.otpbanka.rs/en/agricultural-households/loans-for-current-assets/ >Working capital loans</a> </li> <li> <a href=https://www.otpbanka.rs/en/agricultural-households/quick-loan/ >Quick loan</a> </li> <li> <a href=https://www.otpbanka.rs/en/agricultural-households/loan-for-current-assets-up-to-million-eur/ >Working capital loans up to EUR 1,000,000</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Electronic banking <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/retail/e-bank/ >E bank</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail-2-2/m-bank/ >M bank</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/sms-service/ >SMS service</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/ivr/ >IVR</a> </li></ul> </li> <li class="header__menu-dropdown-col header__menu-dropdown-col--mobile"> <a target=_blank href=https://www.otpbanka.rs/en/retail/tariffs/ class="header__menu-dropdown-title header__menu-dropdown-title--tariffs">Tariffs</a> </li></ul> <a target=_blank href=https://www.otpbanka.rs/en/retail/tariffs/ class="btn btn--transparent white"> <span>Tariffs</span> <svg class="icon icon-arow_lead"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_lead></use> </svg> </a></div> </li> <li> <a class=desktop-only-lg href=https://www.otpbanka.rs/en/corporate/ data-status=off> Corporate </a> <a class=mobile-only-lg href=#. data-js=menu-dropdown-trigger-mob data-status=off ><div class="mobile-only-lg menu-icon"> <svg class="icon mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-></use> </svg></div> Corporate <svg class="icon icon-arow_one"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </a><div class="header__menu-dropdown is-active-desktop desktop-only-lg" ></div><div class="header__menu-dropdown is-active-desktop mobile-only-lg" data-js=menu-dropdown-mob><div class="menu-title mobile-only-lg"> <a href=https://www.otpbanka.rs/en/corporate/ >Corporate</a> <svg class="icon icon-arow_one" data-js=menu-dropdown-trigger-mob data-status=on> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-back></use> </svg></div><ul class=header__menu-dropdown-content> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Day-to-day operations <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/corporate/account-opening/ >Opening of account</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/payment/ >Payment</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/electronic-banking-corporate/ >Electronic banking</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/business-payment-cards/ >Business Payment Cards</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/pos-terminals/ >POS terminals</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/deposits/ >Deposit</a> </li> <li> <a href=https://www.otpbanka.rs/en/e-commerce-for-corporate/ >E-commerce</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/swift-legal-entities/ >SWIFT – legal entities</a> </li> <li> <a href=https://www.otpbanka.rs/en/cash-processing/ >Cash processing</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Loans <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/corporate/loan-offer/ >Loan offer</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Leasing <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a target=_blank href=http://www.otpleasingsrbija.rs/ >OTP Leasing Srbija</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Factoring <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/corporate/national-factoring/ >National factoring</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/international-factoring/ >International factoring</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Documentary operations and guarantees <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/corporate/guarantees/ >Guarantees</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/documentary-letters-of-credit/ >Documentary letters of credit</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/documentary-collection/ >Documentary collection</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Financial markets <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/corporate-global-markets/ >Global markets</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/custodian-services/ >Depositary/Custody</a> </li> <li> <a href=https://www.otpbanka.rs/en/brokerage/ >Broker operations and financial advisory</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/financial-institutions/ >Financial Institutions</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Other services <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/corporate/payroll-for-companies/ >Payroll for companies</a> </li></ul> </li> <li class="header__menu-dropdown-col header__menu-dropdown-col--mobile"> <a href=https://www.otpbanka.rs/en/corporate/tariffs/ class="header__menu-dropdown-title header__menu-dropdown-title--tariffs">TARIFFS</a> </li></ul> <a href=https://www.otpbanka.rs/en/corporate/tariffs/ class="btn btn--transparent white"> <span>TARIFFS</span> <svg class="icon icon-arow_lead"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_lead></use> </svg> </a></div> </li> <li> <a class=desktop-only-lg href=https://www.otpbanka.rs/en/private-banking-2/ data-status=off> Private banking </a> <a class=mobile-only-lg href=https://www.otpbanka.rs/en/private-banking-2/ ><div class="mobile-only-lg menu-icon"> <svg class="icon mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-></use> </svg></div> Private banking </a> </li> <li> <a class=desktop-only-lg target=_blank href=https://www.otpbanka.rs/en/sustainable-business/ data-status=off> Sustainable business </a> <a class=mobile-only-lg target=_blank href=https://www.otpbanka.rs/en/sustainable-business/ ><div class="mobile-only-lg menu-icon"> <svg class="icon mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-></use> </svg></div> Sustainable business </a> </li> <li> <a class=desktop-only-lg href=https://www.otpbanka.rs/en/career-in-otp/ data-status=off> Career </a> <a class=mobile-only-lg href=https://www.otpbanka.rs/en/career-in-otp/ ><div class="mobile-only-lg menu-icon"> <svg class="icon mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-></use> </svg></div> Career </a> </li></ul><div class=header__links><ul class="header__quick-links header__quick-links--menu"> <li> <a href=https://www.otpbanka.rs/en/locations-of-branches/ > <svg class=icon> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-Marker></use> </svg> <br> <span>Location</span> </a> </li> <li> <a href=https://www.otpbanka.rs/en/exchange-rate/ > <svg class=icon> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-kursna-lista></use> </svg> <br> <span>Exchange rate</span> </a> </li> <li> <a href=https://www.otpbanka.rs/en/about-us/contacts/ class=header__call-center> <svg class=icon> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-podrska></use> </svg> <br> <span class=header__call-center__title>Contact</span> </a> </li></ul><ul class=header__social-icons> <li> <a target=_blank href=https://www.instagram.com/otpsrbija/ > <svg class="icon icon-instagram"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-instagram></use> </svg> </a> </li> <li> <a target=_blank href=https://www.facebook.com/otpsrbija/ > <svg class="icon icon-facebook"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-facebook></use> </svg> </a> </li> <li> <a target=_blank href=https://www.youtube.com/user/OTPbankaSrbija> <svg class="icon icon-youtube"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-yt></use> </svg> </a> </li> <li> <a target=_blank href=https://linkedin.com/company/otpsrbija/ > <svg class="icon icon-linkedin"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-ln></use> </svg> </a> </li> <li> <a target=_blank href=https://www.tiktok.com/@fluo_srbija> <svg class="icon icon-tiktok"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-tiktok></use> </svg> </a> </li> <li style="margin-left: 30px; text-align: center;"> <a href=/en/about-us/contacts/ style="position: relative; top: 0px;"> <svg class="icon icon-podrska" style="margin-bottom: 3px;"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-podrska></use> </svg> </a> </li></ul></div></nav><div class=header__links><ul class=header__quick-links> <li><a href=https://www.otpbanka.rs/en/locations-of-branches/ > <img src=https://www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/img/map-marker-alt.png alt="map marker"> <br> <span>Location</span></a></li> <li> <a href=https://www.otpbanka.rs/en/exchange-rate/ > <img src=https://www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/img/euro-sign.png alt="euro sign"> <br> <span>Exchange rate and reference interest rate</span> </a> </li></ul> <a href=https://www.otpbanka.rs/en/about-us/contacts/ class=header__call-center> <img src=https://www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/img/Headset.png alt=headset> <br> <span class=header__call-center__title>Contact</span> </a></div></div><div class=header__right-col> <span class=header__menu-trigger data-js=mobile-menu-trigger data-target=.header__menu> <i class=header__menu-bar></i> <i class=header__menu-bar></i> <i class=header__menu-bar></i> </span> <span class=header__search-trigger data-js=search data-status=off data-target=.header-search> <svg class="icon icon-search"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-search></use> </svg> </span><ul class=header__language-links> <li class> <a href=https://www.otpbanka.rs/cosme-program/ >SR</a> </li></ul> <a target=_blank href=https://www.otpbanka.rs/elektronsko-bankarstvo-mali-biznis/ class="btn header__online-bank btn--full-radius btn--orange"><span>Online banking</span> <svg class="icon icon-login"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-login></use> </svg> </a></div></div></header><main class=main__wrapper data-js=main-wrapper><section class="cover cover--medium"><div class=cover__content><div class="cover__inner cover__inner--medium"><div class=cover__image style="background:url('https://www.otpbanka.rs/wp-content/uploads/2018/10/sb-cosme-program-societe-generale.jpg'); background-size:cover;"></div><div class=cover__info><h1>COSME program</h1><p>Our Bank and EIF have signed an agreement within the Cosme program for more favorable lending to small and medium enterprises</p></div></div></div></section><div class=breadcrumb><ul class=breadcrumb__list> <li> <a href=https://www.otpbanka.rs/en/small-business/ >Small Business</a> </li> <li> COSME program </li></ul></div><style>/*<![CDATA[*/.general-text--long ul li, .general-text--long ol li { color: #4a4a4a; font-size: 1.0625em; } .general-text--long ul li:after, .general-text--long ol li:after { top: 10px; left: 14px; } @media (max-width: 480px) { .general-text--long ul li:after, .general-text--long ol li:after { left: 10px; top: 8px; } } .general-text--long p { padding-bottom: 25px !important; } .general-text--long ul, .general-text--long ol { margin-bottom: 30px; } @media (max-width: 480px) { .general-text h3.subtitle, .general-text p { margin-bottom: 0px; } }/*]]>*/</style><div class="general-text general-text--text-left general-text--long"><h2>COSME program</h2><p>Our Bank has signed a guarantee agreement with the European Investment Fund (EIF) in the total amount of 75 million euros, for the approval of loans to small and medium enterprises, necessary for investments and working capital.<u></u><u></u></p><p>By signing the contract, our bank joined the <b>COSME program of the European Commission</b>, and within its offer for small and medium enterprises (SMEs), <b>approves loans to finance working capital, as well as for the purchase of equipment, machinery and vehicles</b>.<u></u><u></u></p><p>This financing is provided through the EU guarantee for debt financing with the support of European Union funds under the LGF loan guarantee instrument prescribed by EU Regulation no. 1287/2013 of the European Parliament and of the Council establishing the Competitiveness Program for Companies and SMEs (COSME) (2014-2020)<u></u><u></u></p><p>Thanks to the COSME program, <b>our Bank is able to offer clients working capital loans with longer repayment terms and without solid collateral, as well as investment loans for the purchase of equipment, machinery or vehicles only with collateral in the form of collateral on the subject of financing.</b></p><p> </p></div><style>/*<![CDATA[*/.general-text--long ul li, .general-text--long ol li { color: #4a4a4a; font-size: 1.0625em; } .general-text--long ul li:after, .general-text--long ol li:after { top: 10px; left: 14px; } @media (max-width: 480px) { .general-text--long ul li:after, .general-text--long ol li:after { left: 10px; top: 8px; } } .general-text--long p { padding-bottom: 25px !important; } .general-text--long ul, .general-text--long ol { margin-bottom: 30px; } @media (max-width: 480px) { .general-text h3.subtitle, .general-text p { margin-bottom: 0px; } }/*]]>*/</style><div class="general-text general-text--text-left general-text--long"><p><img fetchpriority=high decoding=async class="size-medium wp-image-293526 aligncenter" src=https://www.otpbanka.rs/wp-content/uploads/2018/10/flag_yellow_high-300x200.jpg alt width=300 height=200></p><p> </p><p><img decoding=async class="size-medium wp-image-293524 aligncenter" src=https://www.otpbanka.rs/wp-content/uploads/2018/10/eif-logo-basic-rgb-300x168.jpg alt width=300 height=168></p><p> </p></div><div class="interaction interaction--text-center interaction--contact " data-js=interaction><div class="container container--small"><h3>Do you have any additional questions?</h3><p>Write to us via our online contact form and we will contact you.</p><div class=btn-content> <button type=button class="btn btn--inversely btn-center" data-section="COSME program" data-emid=2 data-js=interaction-trigger data-status=off data-target=.interaction__form> Ask a Question </button></div><div class=interaction__form data-js=interaction-form style="display: none;"><div class="wpcf7 no-js" id=wpcf7-f840-o1 lang=sr-RS dir=ltr><div class=screen-reader-response><p role=status aria-live=polite aria-atomic=true></p><ul></ul></div><form action=/en/cosme-program/#wpcf7-f840-o1 method=post class="wpcf7-form init" aria-label="Contact form" novalidate=novalidate data-status=init><div style="display: none;"> <input type=hidden name=_wpcf7 value=840> <input type=hidden name=_wpcf7_version value=5.9.8> <input type=hidden 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