16 16 1997 1998 1999 2000 2001 2002 2003 2004 2005 <strong>2006</strong> 2007 1997 1998 1999 2000 2001 2002 2003 2004 2005 <strong>2006</strong> 2007 1997 MONTENEGRO CRNA GORA MONTENEGRO CRNA GORA MONTENEGRO CRNA GORA MONTENEGRO CRNA GORA MONTENEGRO
Old and new banking stories Stare i nove bankarske priče There are 10 banks on the banking market of <strong>Montenegro</strong> and it is expected that there will be 3 more banks with foreign capital. According to the preliminary information, future owners are coming from Greece, Austria, Near East, and big banking groups such as Societe General, OTP, Hypo Alpe, NLB are already here. Very strong competition is present among the existing banks and it is rarely fair, sometimes even unsparing in the fight for the same clients. On such a dynamic market of limited size the strategic position of CKB, the bank of universal character, is dominant and that position should be kept in the future as well. This is an additional challenge for the bank’s team due to very aggressive competition among the banks that want to find their place on the banking market. The planned gross profit of CKB for 2010 is EUR 17 million. The strategic objectives 2007-2010 include intensifying of sale, further product innovation but also adopting of knowledge and experiences that already exist in the developed international banking world. Also, further education of CKB staff, new solutions in e-banking and focus on retail and SMEs which, ever since the bank’s foundation in 1997, have been inevitable and recognizable concept of CKB. 2007-2010 are envisaged as very dynamic years on the Montenegrin banking market because of further investments in domestic projects but also in those with dominant foreign capital. This is a fast growing market which is completely oriented towards citizens and their needs. Although 80% of the market is already in foreign ownership, the trend of coming in of foreign investors is continuing because of macro-economic stability and expected fast growth of Na bankarskom tržištu Crne Gore posluje 10 banaka, očekuje se da će ih ubrzo biti još nekoliko sa stranim kapitalom. Prema preliminarnim informacijama, zainteresovani investitori dolaze iz Evrope, sa Bliskog Istoka i dr, a već su prisutne velike bankarske grupe poput OTP, Societe General, HypoAlpe, NLB. Vrlo jaka konkurencija je prisutna među postojećim bankama, ponekad bespoštedna u borbi za iste klijente. Na tako dinamičnom tržištu, ali ograničene veličine, strateška pozicija CKB-a, banke univerzalnog karaktera, dominantna je, i to treba zadržiti i ubuduće. Ovo je dodatni izazov za bančin tim, zbog veoma agresivne konkurencije koja tek traži svoje mjesto na bankarskom tržištu. Planirani bruto profit CKB-a za 2010-u iznosi 17 miliona EUR. Strateški ciljevi za period <strong>2006</strong>-2010. su planirani kroz intenziviranje prodaje, dalju inovaciju proizvoda, ali i usvajanje onih znanja i iskustava koja već postoje u razvijenom međunarodnom bankarskom svijetu. Takođe i dalja obuka CKB kadrova, fokus na retail-u i SME-u, koji je od osnivanja banke 1997. godine, bio i nužan i prepoznatljiv koncept, nova rješenja u oblasti elektonskog bankarstva i dr. Godine <strong>2006</strong>-2010. zamišljene su kao godine vrlo dinamičnih dešavanja na crnogorskom bankarskom tržištu, kroz dalja ulaganja u domaće projekte, ali i u one gdje je strani kapital dominantan. Ovo je tržište koje brzo raste i snažno je orijentisano i na građane i njihove potrebe, koji su vrlo zahtjevna klijentska grupa. Na ovom bankarskom tržištu na kome je većina banaka u vlasništvu stranog kapitala, prisutan je dalji trend ulaska stranih investitora, zbog makroekonomske stabilnosti, očekivanog brzog rasta domaćeg bruto proizvoda i 17