Alternative Distribution Channels

Card business

Raiffeisen Banka dd BiH, Market Banka at that time, issued its first cards in 1999 and by now it

has expanded its range of products to more than 20 different products

Raiffeisen Banka is the first and only bank in BH which has its own processing centre, i.e. in-house

data processing

The original software was changed in 2006 as the needs for technical improvements were

recognized

Card Business

Raiffeisen bank offers debit, credit and charge cards which enable access to clients’ accounts 24 hours a day anywhere in the world, offer support when the client needs additional funds, and make possible simpler and more precise monitoring of spending.

Cards have the following advantages:◦ It is not necessary to carry cash; ◦ It is not necessary to convert currencies abroad; ◦ Payment is simpler and safer; ◦ Monthly statement received at home address makes possible survey and

control of transactions, and consequently, a better insight into finance and spending!

By a good quality offer of internationally accepted payment cards of the best known card companies in the world: MasterCard, Visa and Diners, American Express, Discovery, JCB , we make every day shopping of our clients more pleasent and safer.

Cards are accepted in banks, ATMs and many POS terminals installed at points of sale.

Debit cards

Advantages for the client

◦ Simple use◦ Control of costs

◦ Safety◦ Payment of goods and services

◦ Possibility of using the allowed overdraft (if card is used also for receiving wages)

◦ Using of other services

Credit/Charge cards

Advantages for a client

◦ Simple use

◦ Simple procedure when extending a loan

◦ Constantly available credit for bigger purchases

◦ Increased payment ability

◦ Use for paying goods and services

Business cards

Advantages for a Client

◦Simple use◦Use for paying goods and services

in the country and abroad◦Deferred payments ◦Simplicity in settling obligations

(all costs incurred by using all cards are settled only once - upon the Bank statement)

◦Increased payment ability

POS Acceptance of Cards - Merchants

Simplicity of use without making queues at cash offices

Discretion in payments

Decrease of costs and risks of handling cash and depositing receipts

Safety and reliability of money transactions

Prevention of frauds of merchants

POS Acceptance of Cards - RBBH

Increase of safety and reliability of POS terminals and authorization (old terminals which were not compliant with PCI DSS standards are replaced)

Implementation of PCI DSS Standards on POS Terminals

Training of merchants for working according to the PCI DSS standards

Implementation of PA DSS Standards on POS Terminals

Training of merchants for work in accordance with PA DSS standards

ATM – Acceptance of Cards

Increase of safety and reliability of ATM terminals and authorization

Increase of availability of ATM terminals

Motivation for using ATM Terminals

Implementation of PCI DSS Standards on ATM Terminals

Prevention of ATM frauds

Electronic Distribution Channels

Internet banking service for legal entities has been put in production in 2001

Internet banking service for physical entities has been

in production since January 2009

Since 2009, RBBH has had in Its offer Internet banking

with SMS password authorization

RBBHnet

Raiffeisen Direct Net

Raiffeisen Direct Net via SMS

Electronic Distribution Channels

Advantages for a Client

Access to accounts 24 7 365.x xSimple, fast and safe payment channel.Saving money and time.Direct channel of communication with the bank.

Electronic Distribution Channels

Advantages for a Bank

Reducing the burden on traditional distribution channels.

Saving the costs of processing orders.Strenghtening the Client – Bank relation.Increasing the number of loyal clients.Good quality channel of support to sale.

Electronic Distribution Channels

Challenges which we Face

Meeting security standards

Acceptance of the electronically processed order in state institutions

Introduction of electronic operations at the state level with purpose of connecting the bank system of electronic payments with state administration and public services

Electronic Distribution Channels

Plan of Development of Electronic Distribution Channels

Improvement of the existing services

Implementation of Mobile Banking Service

E bpp – electronic bill presentment and payment

THANK YOU FOR YOUR ATTENTION!