Data on Card Operations in Bosnia and Herzegovina in 2015

According to the Central Bank of Bosnia and Herzegovina (CBBH) data, 26 commercial banks provided cards operations services as of the end of 2015. In quest are the global brands MasterCard, Visa, American Express and Diners, while only two banks offer the only one domestic card - Bam card.

The total number of active cards in the past year was 2,013,219, contrary to 2014, when there were 1,932,354 cards held by citizens of Bosnia and Herzegovina.

The total value of transactions realized using cards in the country and abroad in the last year amounted to BAM 7,663,585,465, and it is, in comparison to 2014, the increase in value of BAM 488, 441,196. Of the total value of transactions, by the ATM, in the country and abroad, cash in the amount of BAM 5,707,287,968 or 74 percent of value was realized, while at the POS devices there were realized BAM 1,956,297,497 or 26 percent of the value.

The average value of a transaction was BAM 109 in 2015 and it decreased for BAM 13 compared to 2014, when it had been BAM 122. There has been a significant decrease after two years of growth in the value of the average transaction. The average annual turnover per card in 2015 amounted to BAM 3,807 KM contrary to 2014, when it was less and amounted to BAM 3,713. So, the increase in the amount of BAM 93.00 was recorded.

Last year, at the ATM and POS terminals of the banks abroad, citizens of Bosnia and Herzegovina, via cards issued in the country, withdrew the amount of BAM 430, 829, 044, which is higher by BAM 55,951,234 compared to the previous year. Out of this amount, cash in the amount of BAM 153, 355, 097 at ATM and POS terminals was realized, and for the goods and services, at POS terminals, the amount of BAM 277,473,948 was realized.

In 2015, foreign citizens, using cards issued by foreign banks, realized, BAM 1,300,944,155 on ATM and POS terminals of banks in Bosnia and Herzegovina, out of which through ATM and POS terminals the cash in the amount of BAM 973,115, 942 were raised, while the goods and services via POS were realized in the amount of BAM 327,828,213.

Banks are working intensively on the introduction of a large number of ATM and POS devices. Last year, there were 1,509 ATM in total and 25,579 POS terminals, out of which 24,421 in stores and 1,158 at bank counters.
All banks in Bosnia and Herzegovina offer Internet banking or some type of electronic banking. This type of service covered a total of 314,777 entities, out of which 44,802 legal entities and 269,975 physical entities. There is an upward trend related to the number of customers using this service.