Data on Card Operations in Bosnia and Herzegovina in 2014

At the end of 2014, out of total 27 banks operating in Bosnia and Herzegovina, 26 banks provided services of card operations. The total number of active cards at the end of December 2014, amounted to 1,932,354, comparing to 2013, when there were 1,889,141 cards issued to the citizens of BH, being the increase in comparison to the previous year by 43,213 cards. The increase is significant, but there is a downward trend. The strongest increase was in 2011.

The total value transactions realized by using cards, in the country and abroad, in the last year amounted to BAM 7,175,144,269, which is decrease by BAM 7,521,218 comparing to the previous year. Out of the total value of the transactions, cash in the amount of BAM 5,347,455,804 was withdrawn from the ATMs, either in the country, or abroad, while POS transactions were realized in amount of BAM 1,827,688,465 or 75% value at the ATMs and 25% value at POS terminals.

The average value of one transaction was BAM 121, 72 in 2014 and it is higher by BAM 7.68 than in 2013, when it amounted to BAM 114.04. The increase of the average transaction amount is evident. Average annual turnover per a card in 2014 amounted to BAM 3, 713, 00 unlike in 2013, when it was higher and amounted to BAM 3,802. Therefore, there was a decrease in the amount of BAM 89.00.

Last year, at ATMs and POSs of the banks abroad, and via cards issued in our country, BH citizens realized the amount of BAM 374,877,810, and during 2013, an amount of BAM 443,616,985, which is less by BAM 68,739,175. Out of this amount, cash in the amount of BAM 142, 230,675, was withdrawn from the ATMs and via POS terminals and the amount of BAM 232,647,135 was paid at POS terminals for goods and services.

On 2014, with the banks cards from abroad, foreign citizens realized BAM 1,144,939,945 at ATMs and POSs of Bosnia and Herzegovina banks. Out of this amount, via ATMs and POS terminals, the cash in the amount of BAM 878,871,438 was issued, while goods and services were paid in the amount of BAM 266,068,507 via POS terminals.

There has been a constant increase in the number of ATM and POS terminals. Last year there was a total of 1,426 ATMs installed and 22,994 POS terminals, out of which 21,792 in shops and 1,202 at bank counters.

Out of total number, 25 banks offered internet banking or some kind of e-banking services to enterprises and citizens. This type of services covered 213,562 entities in total, more concretely 37,974 legal entities and 175,588 physical entities. There is an increasing trend in number of customers using these services.