After the Berlin Congress in 1878, when Podgorica was annexed to the Principality of Montenegro, marking the end of four centuries of Ottoman rule, and the beginning of a new era for Podgorica and Montenegro. The first forms of capital concentration were seen in 1902 when roads were built to all neighboring towns, and tobacco became Podgorica's first significant commercial product. Then in 1904, a savings bank named Zetska formed the first significant financial institution, and it would soon grow into Podgorička Bank.