Sektor za poslovanje sa stanovništvom - Raiffeisen Bank

usluge podigne na viši nivo doprinijeli su da broj
obavljenih transakcija u 2002. godini dostigne
103.238, što je povećanje za 67% u odnosu na
prethodnu godinu. Po broju obavljenih transfera
Banka je prva u Bosni i Hercegovini.
Putem mreže agencija Banka je učinila dostupnim i
usluge kako mjenjačnice tako i unutrašnjeg platnog
prometa, otvaranja računa i štednih uloga na svim
svojim šalterima čime je podržan koncept pune
otvorenosti prema klijentu.
Kanali distribucije i kvalitet usluge
Uspješno prikupljanje slobodnih novčanih
sredstava od građana kao i ostvareni obim
kreditnih plasmana, te posebne pažnje vrijedan
podatak o broju izdatih kartica, pored ostalog
rezultirali su i željenim efektom generisanja novih
klijenata. To ilustruje podatak o 98.067 novih
klijenata u poslovima sa stanovništvom za 2002.
godinu. Upravo je navedeno povećanje baze
klijenata uz odgovarajuću informatičku podršku
omogućilo da Banka u značajnijem procentu
otpočne s unakrsnom prodajom svojih proizvoda
za postojeće klijente. Kao dobar primjer za
navedeno služi podatak da je 8.310 Visa Electron
kartica izdato postojećim klijentima Banke koji
posjeduju značajnu štednju, odnosno kojima su
odobreni nenamjenski novčani krediti.
Pored širenja POS i ATM mreže, povećanje procenta
unakrsne prodaje te uvođenja prodaje putem
vezanih proizvoda kredit-osiguranje gdje za primjer
navodimo proizvod ”kredit s kasko osiguranjem”,
Banka je tokom 2002. godine nastavila sa širenjem
svoje poslovne mreže smatrajući i dalje poslovnu
mrežu za najvažniji kanal distribucije proizvoda
efforts in raising service quality to higher level
contributed to the fact that number of performed
transactions in 2002 reached 103.238, which is
67% increase in comparison to previous year. The
Bank is the first one in Bosnia and Herzegovina in
number of performed transfers.
Through the network of its sub-offices the Bank
made accessible services of exchange office as well
as payments in the country, account opening and
savings deposits at all its counters which supported
the concept of full openness to customer.
Distribution Channels and Service Quality
Successful collection of retail cash funds as well as
achieved volume of loan placements with special
attention to number of issued cards are, among
others, resulted in desired effect of new customer
generation. This is illustrated by the information
on 98.067 of new customers in retail banking in
2002. The above increase in customer base with
respective information support provided the Bank
to start significant percentage of cross selling of
its products for existing customers. As a good
example for the above, we can mention the data
that 8.310 Visa Electron cards has been issued to
existing customers of the Bank who have significant
deposited funds or to whom non-special purpose
loans were approved.
Beside expansion of POS and ATM network, increase
in percentage of cross-selling and introduction of
sales through related products loan-insurance, as
an example we can mention a product “loan with
total insurance”, the Bank continued expansion of
its business network in 2002 by considering still
business network as the most significant distribution
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