Annual Report: - Gorenjska banka

Activities in the area of human resources and organisational structure will be oriented towards
ensuring development through continued reorganisation of areas of operations, which will enable a
partial replacement of retirees and terminated employment relations with new employees as well
as business network organisation that will be functionally the most suitable from the viewpoint of
regional coverage of the Bank, with the corporate banking sector being strengthened.
Marketing and public relations activities will be oriented towards consolidating the Bank's position
as a responsible, safe and practical bank. The Bank will keep its existing communications concept
and integrated use of national and digital communications channels as well as adjust its operational
activities to the actual market situation and challenges. The latter will also include even more
selectively planned sales promotion activities.
The efficiency of marketing communications will be assessed based on monitoring media and digital
image, direct comparison of the business network quality with the competition, and the rate of
performance for achieving sales objectives.
As concerns the efforts for building a younger client structure, activities for achieving more inclusion
of the younger population in certain areas of banking operations will be performed. The Bank shall
also try to preserve client loyalty by way of introducing adequate mechanisms of awarding and
achieving a more pleasant user experience at branches. It will endeavour to get closer to corporates,
especially proprietors, through the process of rearranging the critical contact points and a more
visible exposure of services aimed at such clients.
In 2012, the Bank shall try to keep the positive trend in the fields of likeability and visibility (Banking
Monitor). Marketing communications activities will be oriented towards achieving the growth planned
in the areas of operations in which marketing communications can have a direct impact on the level
of performance.
The objectives of the business policy in the area of developing an integral information system and
improving technical support to operations are defined in the strategy for the Bank's information
system development for the period from 2011 to 2014.
The standard IT support for retail banking is anticipated to be developed and implemented within
the framework of support of Nova Ljubljanska banka until 2017. Preparations for transition to other
support following 1 January 2018 shall be carried out simultaneously. Support to other operations will
be implemented within the Bank, with capacities offered by external contractors also being used as
the needs for developing additional support exceed the capacities of the Bank's own development
department.
The shift from classic to electronic banking shall be intensified. Due to the transfer of card operations
processing for the Activa system to the company Intesa Sanpaolo Card, the transfer of POS
transactions processing from Activa to Bankart has become an option. Also for this reason, the Bank
will still use the capacities of Bankart for developing and executing support to ATM operations, whilst
also examining the conditions for developing and executing support to POS operations within Activa.
Activities in the area of banking risk management will be oriented towards improving risk
management methods and procedures as well as adjusting to the amended banking regulations, in
particular Basel III, arising as a response to the economic crisis.
Activities for computerisation of credit rating production will continue. Improvements to the
procedures for assessing and measuring exposure to credit risks will also be of great importance.
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Gorenjska banka, d. d., Kranj
Annual Report 2011
Management Report