Komercijalna Banka ad Beograd is a Serbia-based commercial bank that offers its services to individual and institutional customers. It provides a number of banking services, such as current and savings accounts, credits, loans, savings, depository services, payments, guarantees, currency exchange, debit and credit cards, brokerage services and dealing transactions, custody services and electronic banking. In addition, it also offers broker-dealer operations and other services. The Bank operates central office, 24 branches and 217 sub-branches located throughout Serbia. As of December 31, 2011, the Bank operated three subsidiaries, including wholly owned Komercijalna banka ad Budva, based in Montenegro and KomBank Invest ad and 99.99%-owned Komecijalna banka Ad Banka Luka, based in Bosnia and Herzegovina.