Erste Bank AD Podgorica has 15 branches covering Montenegrin territory, with emphasis on the southern region. Beside four branches in Podgorica, the Bank has branches in Ulcinj, Bar, Budva, Tivat, Kotor, Herceg Novi, Cetinje, Niksic, Berane, Bijelo Polje, Rozaje and Pljevlja as well. Erste Bank Montenegro has 264 emploeyees that serve around 77,000 clients. Each branch is equipped with an ATM and additional three ATM machines are available to clients ( Slobode str.– Podgorica, Oktobarske Revolucije str. – Podgorica, Džordža Vašingtona 83 - Podgorica). Erste Group Bank is present in Montenegro since March 2009, acquiring 100% shares of the former Opportunity Bank.