Bilansi uspjeha - Raiffeisen Bank

Retail Division
Retail Savings
Compared to previous year, total retail deposits increased by 21,79%, and budgeted category for
2005 was fulfilled with 115% accordingly.
Long-term savings at the end of the year reached the share of 42% of overall retail deposits, which
represents significant increase of share compared to 2004 when the same was 32%.
By the end of 2004, new product called “Free Savings” was introduced, and it gave full effects in the
reporting year. Thanks to its flexibility (opportunity of making numerous payments and withdrawals
on one agreement on term deposit), at the end of the business year the balance of “Free Savings”
amounted to KM 41,723.315,00, which significantly influenced the improvement of the maturity
structure of term savings deposits.
The best illustration of achieved results in 2005 is data that the Bank participates with 27,4% in total
retail savings deposited in commercial banks in BiH.
Fee Income
On approximately 200 locations with all three post-office companies in Bosnia and Herzegovina,
exchange business is performed on behalf of the Bank, in addition to existing network of Raiffeisen
banka.
In the system of fast money transfer via Western Union, the network was extended by 33 new locations
(5 relate to the Bank, and 28 to sub-agents), therefore as of the end of the year, total number
of 373 was reached.
Thanks to network extension, strengthened marketing activities, automating of locations, and
improvement of technical conditions and service quality, despite increased marketing activities
of competition, 181.040 transfers were executed in 2005 (including sub-agents), which represents
17,43% increase compared to previous period, while the budget for 2005 is fulfilled with
112,30%.
In the structure of fee income, compared to 2004, the largest increase of 29,4% was generated from
cards business, and 22,6% from transfers of private individuals.
Distribution channels and service quality
In 2005, the Bank continued with extension of its business network with opening 6 new organisational
units, therefore with total number of 67 organisational units it retained one of significant
market positions in this segment. Alternative distribution channels were engaged (public PTT operators
and hotels). With existing network of ATM and POS machines, the above puts us among leading
banks when talking about distribution channels.
Effect of above-mentioned activities reflected in acquisition of 94.669 new customers in 2005 in
retail lending, through which their cumulative of 519.025 was reached, and budgeted category was
fulfilled by the end of the year with 104%.
www.raiffeisenbank.ba
Retail Division
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