1. CARDS OPERATIONS IN BOSNIA AND HERZEGOVINA Đorđe Racković Central Bank of Bosnia and Herzegovina Head of Payments Systems Department Sarajevo, October 21, 2010

2. CARDS IN BH MARKET  2009: out of 30 banks – 26 offered cards services  Visa, MasterCard, American Express, Diners + Bam card – local debit card  Bam card – issued by 8 banks in BH and funds settlement is done in the CBBH in RTGS

3. NUBMER OF ISSUED CARDS  December 31, 2008: 1,612.219 ISSUED  December 31, 2009 : 1,754.221 ISSUED  In 2009, the increase by 142.002 cards compared to 2008  4 banks with 1,4 mil. CARDS

4. VOLUME OF PAYMENTS TRANSACTIONS VIA CARDS  2009: KM 4.87 billion  2008: KM 3.76 billion  4.87 billion KM: ATM - KM 3.63 billion (74%) POS - KM 1.24 billion (26%) POS – KM 1.24 billion: Cash withdrawal: KM 0,60 billion Payments of goods and services: KM 0,64 billion

5. VOLUME OF PAYMENTS TRANSACIONS VIA CARDS  Payments systems operations in 2009 KM 152,5 billion - KM 64,5 billion of RTGS and GC - KM 88,0 billion of interbanks ones  Payments systems operations by cards KM 4,87 billion

6.  Average value of one transaction: 2008.: KM 149 2009.: KM 141 (decrease by 8 KM)  Average annual turn over by a card 2008: KM 2.296 2009: KM 2.779 (increase by 483 KM) AN AVERAGE TRANSACTION

7. CARDS ISSUED IN BH but USED UP ABROAD  2008: KM 176 million  2009: KM 210 million KM 210 million : ATM - 90 million POS - KM 120 million KM 120 million: CASH - KM 5,0 million goods and services – KM 115,0 million

8. CARDS ISSUED ABROAD but USED IN BH  2008: KM 564 million  2009: KM 697 million KM 697 mil : ATM - KM 472 million POS - KM 225 million KM 225 million : CASH - KM 87,0 million goods and services – KM 138,0 million  Number of ATM :  2008.: 901  2009.: 1.355  Number of POS:  2008.: 15.968  2009.: 16.259

9. Use of limit by cards (September 30, 2010)  CREDIT CARDS Limit approved: KM 310,0 million Unused limit: KM 130,0 million  Deferred payments cards Limit approved: KM 160,0 million Unused limit: KM 115,0 million DEBIT CARDS (?) Limit approved: KM 720,0 million Unused limit: KM 420,0 million

10. Đorđe Racković Central Bank of Bosnia and Herzegovina Head of Payments Systems Department Contact: Phone: ++387 33 28 64 50 E-mail: djordjer@cbbh.badjordjer@cbbh.ba