Sektor za poslovanje sa stanovništvom - Raiffeisen Bank
Sektor za poslovanje sa stanovništvom - Raiffeisen Bank
Sektor za poslovanje sa stanovništvom - Raiffeisen Bank
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Stoga se odmah na tržište i<strong>za</strong>šlo s ponudom <strong>za</strong><br />
izdavanje Vi<strong>sa</strong> Electron, Vi<strong>sa</strong> Classic Charge, Vi<strong>sa</strong><br />
Revolving Credit i Vi<strong>sa</strong> Business Charge kartica.<br />
Istovremeno s navedenim <strong>Bank</strong>a je zbog podi<strong>za</strong>nja<br />
nivoa postojeće usluge počela izdavati setove<br />
kartičnih proizvoda (ECMC i Vi<strong>sa</strong> kartica ve<strong>za</strong>ni<br />
<strong>za</strong> isti kartični račun) i to: Electron/Maestro SET,<br />
Revolving Credit SET i Business Charge SET.<br />
Da su postignuti uspješni rezultati, potvrđuje 5.577<br />
izdatih ECMC, 8.317 Maestro, 4.025 Vi<strong>sa</strong> Classic<br />
i 18.966 Vi<strong>sa</strong> Electron kartica, pa je ukupan broj<br />
izdatih kartica u 2002. godini dostigao 54.308.<br />
Tako je i pored značajnih promjena na tržištu<br />
kartičnog poslovanja u BiH, a koje su se prvenstveno<br />
odnosile na agresivniji nastup konkurentskih<br />
banaka koje su se uključile u ovo <strong>poslovanje</strong>,<br />
<strong>Bank</strong>a ostvarila tržišno učešće u izdavanju Vi<strong>sa</strong><br />
kartica po podacima iz decembra 2002 od 19%,<br />
dok je učešće u izdavanju ECMC i Maestro kartica<br />
bilo 24%, po podacima iz septembra 2002.<br />
Odobravanjem dozvoljenog prekoračenja po svim<br />
debitnim karticama <strong>za</strong> imaoce koji primaju plate<br />
preko kartica, dat je novi kvalitet ovim kartičnim<br />
proizvodima čime se reagovalo na tržišne <strong>za</strong>htjeve<br />
i učestale sugestije postojećih i potencijalnih<br />
klijenata. Pozitivan efekat ovoga se vidi kroz<br />
iska<strong>za</strong>ni broj novoizdatih debitnih kartica, čemu je<br />
takođe dodatno doprinijela činjenica da je <strong>Bank</strong>a<br />
<strong>za</strong> podi<strong>za</strong>nje gotovine na ATM-ovima u svojoj<br />
mreži ukinula naknadu imaocima debitnih kartica<br />
u izdanju <strong>Bank</strong>e.<br />
Accordingly, we immediately entered into market<br />
with offer for issuing Vi<strong>sa</strong> Electron, Vi<strong>sa</strong> Classic<br />
Charge, Vi<strong>sa</strong> Revolving Credit and Vi<strong>sa</strong> Business<br />
Charge cards. Simultaneously with the above, in<br />
order to raise the level of existing service, the <strong>Bank</strong><br />
started issuing sets of card products (ECMC and<br />
Vi<strong>sa</strong> cards pegged to the <strong>sa</strong>me card account) as<br />
follows: Electron/Maestro SET, Revolving Credit SET<br />
and Business Charge SET.<br />
As a confirmation for achievement of successful<br />
results 5.577 ECMC is issued, 8.317 Maestro,<br />
4.025 Vi<strong>sa</strong> Classic and 18.966 Vi<strong>sa</strong> Electron cards,<br />
which means that the total number of issued cards<br />
in 2002 reached 54.308.<br />
Also beside significant changes in card business<br />
market in BiH, which primarily referred to more<br />
aggressive approach of competition banks that<br />
started this business, the <strong>Bank</strong> achieved market<br />
share in issuing Vi<strong>sa</strong> cards according to information<br />
from December 2002 of 19%, while share in<br />
issuing ECMC and Maestro cards was 24%, from<br />
information of September 2002.<br />
By approving the allowed overdraft under all debit<br />
cards for card holders that receive their <strong>sa</strong>laries<br />
through cards, a new quality was given to these<br />
card products, which means reaction to market<br />
demands and frequent suggestions of existing and<br />
potential customers. Positive effects of this are seen<br />
through presented number of newly issued debit<br />
cards and the fact that the <strong>Bank</strong> cancelled the fee<br />
for cash withdrawal at ATMs for holders of debit<br />
cards issued by the <strong>Bank</strong> additionally contributed<br />
to this.<br />
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