Sektor za poslovanje sa stanovništvom - Raiffeisen Bank

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Stoga se odmah na tržište izašlo s ponudom za izdavanje Visa Electron, Visa Classic Charge, Visa Revolving Credit i Visa Business Charge kartica. Istovremeno s navedenim Banka je zbog podizanja nivoa postojeće usluge počela izdavati setove kartičnih proizvoda (ECMC i Visa kartica vezani za isti kartični račun) i to: Electron/Maestro SET, Revolving Credit SET i Business Charge SET. Da su postignuti uspješni rezultati, potvrđuje 5.577 izdatih ECMC, 8.317 Maestro, 4.025 Visa Classic i 18.966 Visa Electron kartica, pa je ukupan broj izdatih kartica u 2002. godini dostigao 54.308. Tako je i pored značajnih promjena na tržištu kartičnog poslovanja u BiH, a koje su se prvenstveno odnosile na agresivniji nastup konkurentskih banaka koje su se uključile u ovo poslovanje, Banka ostvarila tržišno učešće u izdavanju Visa kartica po podacima iz decembra 2002 od 19%, dok je učešće u izdavanju ECMC i Maestro kartica bilo 24%, po podacima iz septembra 2002. Odobravanjem dozvoljenog prekoračenja po svim debitnim karticama za imaoce koji primaju plate preko kartica, dat je novi kvalitet ovim kartičnim proizvodima čime se reagovalo na tržišne zahtjeve i učestale sugestije postojećih i potencijalnih klijenata. Pozitivan efekat ovoga se vidi kroz iskazani broj novoizdatih debitnih kartica, čemu je takođe dodatno doprinijela činjenica da je Banka za podizanje gotovine na ATM-ovima u svojoj mreži ukinula naknadu imaocima debitnih kartica u izdanju Banke. Accordingly, we immediately entered into market with offer for issuing Visa Electron, Visa Classic Charge, Visa Revolving Credit and Visa Business Charge cards. Simultaneously with the above, in order to raise the level of existing service, the Bank started issuing sets of card products (ECMC and Visa cards pegged to the same card account) as follows: Electron/Maestro SET, Revolving Credit SET and Business Charge SET. As a confirmation for achievement of successful results 5.577 ECMC is issued, 8.317 Maestro, 4.025 Visa Classic and 18.966 Visa Electron cards, which means that the total number of issued cards in 2002 reached 54.308. Also beside significant changes in card business market in BiH, which primarily referred to more aggressive approach of competition banks that started this business, the Bank achieved market share in issuing Visa cards according to information from December 2002 of 19%, while share in issuing ECMC and Maestro cards was 24%, from information of September 2002. By approving the allowed overdraft under all debit cards for card holders that receive their salaries through cards, a new quality was given to these card products, which means reaction to market demands and frequent suggestions of existing and potential customers. Positive effects of this are seen through presented number of newly issued debit cards and the fact that the Bank cancelled the fee for cash withdrawal at ATMs for holders of debit cards issued by the Bank additionally contributed to this. 25
26 Tokom 2002. godine nastavljene su aktivnosti oko animiranja trgovaca za prihvat kartica, što je rezultiralo instaliranjem 291 POS terminala, te je mreža prihvata na kraju godine imala 710 POS terminala. Sa ciljem pružanja kartičnih usluga non stop (0 – 24 časa), Banka je nastavila širenje mreže ATM-ova, čiji broj je na kraju godine iznosi 13. Na svim ATM-ovima Banke i POS terminalima na šalterima Banke i pošta omogućen je prihvat Visa kartičnih proizvoda. Radi boljeg pozicioniranja na kartičnom tržištu, pokrenut je Diners projekat. U sklopu navedenog započete su aktivnosti oko stvaranja potrebnih softwareskih i hardwareskih pretpostavki za prihvat Diners kartica na POS terminalima Banke. Potvrdu uspješnog statusa Banke u kartičnoj industriji BiH je predstavljao izbor Banke kao settlement agenta Visa International za nacionalni settlement u BiH. Neutralni poslovi – Usluga brzog slanja novca i mjenjačnica Kada je riječ o ovoj vrsti servisa, kao posebno uspješan navodimo posao brzog slanja novca putem sistema Western Union koji je tokom 2002. godine zadržao status jednog od najznačajnijih servisa koji se pruža klijentima Banke. Da je zaista tako, govori podatak o uvođenju tri nova, veoma značajna, podzastupnika, BH Pošta, JODP Srpske pošte i Union banka, preko kojih Banka pruža usluge sistema Western Union. Navedeno je rezultiralo da se broj lokacija na kojima se pružaju usluge sistema Western Union povećao sa 108 u 2001. godini na 205 u 2002. godini. Prethodno, kao i stalno nastojanje da se kvalitet pružene During 2002 activities continued in attracting merchants for card acquiring, which resulted in instalment of 291 POS terminals, so that acquiring network at the year –end had 710 POS terminals. With purpose of offering card services non-stop (0 – 24 hours), the Bank continued with expansion of ATM network, whose number at the year-end amounts 13. Acquiring of Visa card products is provided in all ATMs of the Bank and POS terminals at counters of the Bank and Post -offices. Diners project was launched for the reason of better positioning at the cards market. Within the above, activities were started in creation of necessary software and hardware assumptions for acquiring Diners cards at POS terminals of the Bank. Confirmation of the Bank’s successful status in card industry of BiH can be seen in selection of our Bank as Visa International settlement agent for national settlement in BiH. Neutral business – Fast Money Transfer and Exchange Office Regarding this type of service we can mention fast money transfer as a very successful business through Western Union system that in 2002 maintained the status of one of the most significant services that are offered to the Bank customers. The fact that this is true can be seen on the example of introduction of three new, very important sub-agents, BH Pošte, JODP Srpske Pošte and Union Bank, through which the Bank provides its services of Western Union system. The above resulted in the fact that number of locations in which Western Union services are offered increased from 108 in 2001 to 205 in 2002. The aforementioned as well as continuous
Page 1: 24 Štednja stanovništva Banka je
Page 5: 28 Banke, pa je u skladu s tim broj

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