Opportunity Banka A.D. Novi Sad
Bulevar Oslobođenja 2A
Novi Sad
Tel: + 381 21 530 111, 530 024


About usSocial Performance Management (SPM)

What is Social Performance?

Social Performance is effective translation of an organization’s mission into practice in line with adopted social values.

In order to effectively translate its Mission into practice, OBS has set the following four social performance objectives:

  • Outreach to clients from rural areas of Serbia where financial services and scarce (financial inclusion), especially of small agricultural households with mixed agro production
  • Benefits to broader macroeconomic environment – creation of new and sustaining of existing jobs as a result of OBS loans
  • Outreach to low-income clients as well as facilitating and tracking clients’ transformation in terms of increased income and better quality of life as a result of OBS loans

Since beginning of 2014 OBS is measuring its social impact with regard to all its loan clients, in line with the adopted SPM methodology and through its Core Banking System. Regular reports are produced on a monthly basis for the bank’s management team and quarterly for the bank’s Board of Directors, which has also formed an SPM Committee which meets four times a year in order to analyze data and reports, as well as the bank’s progress in SPM and pass relevant decisions and recommendations for the bank’s executive management team.

You can here read the last  Social Rating Report July 2018 .

SPM Data

General information on structure and impact of OBS loans as of Dec 2016:

Dec 2013 DEC 2014 Dec 2015 DEC 2016
ACTIVE PORTFOLIO Rural clients (%) 53% 56% 60% 65%
Average loan size (EUR) 2,655 2,232 2,157 2,077
Loans under € 1,000 (%) 21% 26% 24% 22%
Loans € 1000-5000 (%) 61% 59% 61% 66%


Loans made to date (EUR) 219,944,144 271,475,873 330,247,608 397,891,583
Loans made to date (#) 57,913 78,394 100,648 126,797