CKB is changing the role of branches: a specialized center for housing loans has opened on the Square

However, when choosing a home loan and making a decision that will affect our household budget for years, there is still no substitute for talking to an expert.

Based on this, CKB opened the first branch of a new concept on Independence Square in Podgorica, specializing in housing loans. Instead of the traditional model, in which most of the space and time is taken up by transactions, the new branch focuses on professional customer support, while cash transactions are carried out through self-service devices.

The new space follows the entire loan journey, from the first conversation and assessment of options, through the selection of the appropriate financing method, to the application and loan realization. It provides clients with more privacy and enough time to discuss all the issues important to the decision they make with the advisor.

New clients who 15. September open an account at the Trg branch and can exercise their right to maintenance of the selected service package free of charge during the first 12 months, after which regular application is applied monthly fee for the selected package in accordance with the Bank's current Tariff.

Also, new clients who, in addition to opening an account at the Trg branch, apply for cash or fixed-rate home loan can get a special promotional benefit - interest rate lower by 0,50 percentage points compared to the Bank's standard offerDetails of the offer are available at the Trg branch, and an appointment can be made at make an appointment online via the link, at a time that suits them.

"Our idea is simple: we want the time a customer spends in the branch to have greater value. When everyday transactions are carried out via digital channels and self-service devices, with the support of our colleagues, employees have more space for what they can make the biggest difference, which is a quality conversation, understanding needs and a solution tailored to the client. That is why this is not just a new look for the branch, but a different way of working," said Marko Golović, Director of the Sales and Network Coordination Department, at the branch opening.

The branch has modern self-service devices through which clients can complete cash and other simple transactions quickly and without waiting, while employees provide them with support in using the devices, the CKB GO application, and other digital services of the bank.

This concept reflects a broader shift in banking. As digital channels take over everyday operations, the value of a physical branch is measured less by the number of transactions completed and more by the quality of expert support a client receives when making complex, long-term decisions.

The branch on the Square is just the beginning of the transformation of the CKB network, the goal of which is for technology to simplify everyday banking, and for the knowledge and experience of employees to play an even more important role in the relationship with clients.

"We want our colleagues to be, first and foremost, advisors who understand what the client needs and help them make good financial decisions. We especially want this location to be the place where clients come when they make big life decisions, especially when they are thinking about buying their home. That is why we see the branch on Trg as the best place for your housing loan, a place where the client receives time, attention and quality advice," added Golović.

Welcome to the Trg branch. We are here for decisions that last.

Representative examples of loans from the offer

( CKB )