Letno poročilo 2007 - UniCredit Banka Slovenija dd

Index of growth of share of users/ installation of electronic banking systems350Index of card transactions growth250%214,9300305200%150%153,7128,0163,0250%200%229157207167224150%100%100,0 100,0100%100 100 10050%50%002005 200620072005 20062007Online b@nk for individual clients - usersE-bank and MultiCash for corporate clients - installationMaestro CardsMasterCard CardsVISA Cardsof all of our cards as we equipped themwith chips in accordance with the EMVstandard requirements. However, our ATMsalready had been completely adapted tothis technology in 2006. As a result, byOctober 2007, when the card replacementprocess was completed, UniCredit BankaSlovenija d.d. was one of the few Slovenianbanks that had completely adopted the chiptechnology. During the card replacementprocess, we also took into consideration theSEPA requirements related to card business.The trend of fast growth of transactions withcards issued by the Bank, continued in 2007too, as we have seen an 8 % growth in VISAtransactions, a 6 % growth in MasterCardand a 33 % growth of Maestro transactions.The number of cards issued by the Bankalso increased, namely by 18 % for VISA,by 30 % for MasterCard and by 29 % forMaestro.In 2007, we continued the trend ofincreasing the number of domestictransactions (by 18 %) as well as thecross-border and international paymenttransactions (by 15 %). The share ofelectronically received payment ordersincreased to 86 % in domestic transactionsand to 84 % in cross-border andinternational payment transactions.Electronic banking is a communicationchannel that is becoming increasinglyimportant in modern banking services. Inline with these changes, we introduced aseries of minor additions that improvedthe user-friendliness of electronic bankingsystems; we enabled our clients access toadditional data on payment transactions andimproved the reliability of these systems.The trend of increasing share of users ofelectronic banking systems continuedthroughout 2007 as well, since 27 % morecorporate clients and 40 % more individualclients were using them compared to thepreceding year.Information System SecurityFor banks, information and informationtechnology systems present assets ofgreat importance, requiring appropriatesecurity measures are taken to ensure theform and manner of information storage.The Management Board of UniCredit BankaSlovenija d.d. has approved the overallsecurity policy justifying concrete policiesand instructions of safeguarding theindividual areas (physical access policy,‘clear desk’ and ‘clear screen’ policy,password policy, e-mail and the internetpolicy, etc.) and providing a basis for securebusiness.The main objective of the Bank’s informationsystem security is ensuring confidentiality(only authorised persons have access todata and information), integrity (data isaccurate), and optimal availability (ensuringthat authorized users have access toinformation and associated assets whenrequired). All of this is extremely importantfor successful management of the Bank,its reputation and for the confidence of itscustomers. Safety and security checks arebased upon safety standards of UniCreditGroup and Code of conduct for informationsecurity management ISO 17799.Only authorised persons have access toUniCredit Bank · 2007 Annual Report 135