Data on Card Operations and E-Banking in B&H

Out of the total 31 commercial banks which operated in Bosnia and Herzegovina at the end of 2007, 24 banks provided card operations services, and 18 of them had some of international payment cards.

According to the data of the Central Bank of Bosnia and Herzegovina, the total number of issued cards as of December 31, 2007, was 1.528.498.

Totally in 2007, more than 24 million transactions were performed in card operations, of which, more than 13,8 million transactions were performed through ATM machines, while 10,3 million transactions were performed through POS terminals. Total value of stated transactions was KM 3,5 billion. Out of the stated value, only 20,18% was used for the payment of goods, while even 79,82% were related to cash withdrawals through the ATM machines and POS terminals. The average value of one transaction was KM 145. The annual turnover of transactions per one card was KM 2.296,40, or KM 191,30 per month.

Cards issued by BH banks were used for cash withdrawal amounting to KM 70 million and for payment of goods in the amount of KM 102 million on ATM machines and POS terminals abroad. At the same time, cards issued by foreign banks, were used for cash withdrawals in the amount of KM 388 million at ATM machines and POS terminals of B&H banks. Cards issued by foreign banks were used for payment of goods and services in Bosnia and Herzegovina in the amount of KM 119 million.

There is a total of 655 ATM machines and 14.076 POS terminals installed in B&H.

Out of the total number of banks in Bosnia and Herzegovina, 27 used e-banking, which is three times more compared to year before. The number of clients whom some form of e-banking transactions are performed for, is relatively small - only 10.692 legal entities and 5.308 physical entities.

Public Relations Section