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BANKING SECTOR IN BOSNIA AND HERZEGOVINA Mr. Mijo Mišić, Executive Secretary 10th Interbalkan Forum Banks Association Sarajevo, 16th October 2009 UBBiH.

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Presentation on theme: "BANKING SECTOR IN BOSNIA AND HERZEGOVINA Mr. Mijo Mišić, Executive Secretary 10th Interbalkan Forum Banks Association Sarajevo, 16th October 2009 UBBiH."— Presentation transcript:

1 BANKING SECTOR IN BOSNIA AND HERZEGOVINA Mr. Mijo Mišić, Executive Secretary 10th Interbalkan Forum Banks Association Sarajevo, 16th October 2009 UBBiH 1

2 2 10th Interbalkan Forum of Banks Association, Sarajevo 16th October 2009

3 1. SPARKASSE BANK 2. BALKAN INVESTMENT BANKA 3. BOBAR BANKA 4. BOR BANKA 5. BOSNA BANK INTERNATIONAL 6. FIMA BANKA 7. HYPO-ALPE-ADRIA-BANK Mostar 8. HYPO-ALPE-ADRIA-BANK B.Luka 9. IEFK BANKA BANJA LUKA 10.INTESA SANPAOLO BANKA 11. INVESTICIONO KOMERCIJALNA BANKA Zenica 12. KOMERCIJALNA BANKA B.Luka 13. KOMERCIJALNO-INVESTICIONA BANKA V.Kladuša 14. NLB RAZVOJNA BANKA BANJA LUKA 15. NLB TUZLANSKA BANKA 16. NOVA BANKA 17. PROCREDITBANK 18. PAVLOVIĆ INTERNATIONAL BANKA 19. POSTBANK BH 20. PRIVREDNA BANKA SARAJEVO 21. RAIFFEISEN BANK BH 22. RAZVOJNA BANKA FBiH 23. TURKISH ZIRAAT BANK BOSNIA 24. UNION BANKA 25. UNICREDIT BANK MOSTAR 26. UNICREDIT BANK BANJA LUKA 27. VAKUFSKA BANKA 28.VOLKSBANK BH SARAJEVO 29. VOLKSBANK BANJA LUKA 3 UBBiH I About Banks Association of B&H in brief OUR MEMBERS 10th Interbalkan Forum of Banks Association, Sarajevo 16th October 2009

4 4 UBBiH I About Banks Association of B&H in brief Association Bodies: Assembly Board of Directors Dino Osmanbegović, President (Raiffeisen bank BH Sarajevo) Milorad Andžić, member (Nova banka Banja Luka) Radovan Bajić, member (NLB Razvojna banka Banja Luka) Berislav Kutle, member (UniCredit banka Mostar) Petar Jurčić, member (Hypo-Alpe-Adria Bank Mostar) Executive Secretary, Mijo Mišić 10th Interbalkan Forum of Banks Association, Sarajevo 16th October 2009

5 5 UBBiH I About Banks Association of B&H in brief Our Mission: -Relationship between our members; -Relationship between state institutions; -Relationship between media; -Education; -Establishing cooperation with similar associations abroad 10th Interbalkan Forum of Banks Association, Sarajevo 16th October 2009

6 6 UBBiH I About Banks Association of B&H in brief Expert Level Comities 1.Committee for Payment System 2.Committee for Legal Affairs 3.Committee for Credit Cards 4.Committee for Accounting and Taxes 5.Committee for Internal Auditing 6. Committee for Money and Capital Market 7. Committee for e-Banking 8.Committee for Security Aspects 9. Committee for Anti-Money Laundering Issues 10. Committee for Educations 10th Interbalkan Forum of Banks Association, Sarajevo 16th October 2009

7 7 UBBiH II Structure of Financial Sector in B&H Financial Sector in B&H consist of: Banking Sector; Mikrocredit Sector; Leasing companies; Insurance companies; Iinvestments Funds. 10th Interbalkan Forum of Banks Association, Sarajevo 16th October 2009

8 8 UBBiH II Structure of Financial Sector in B&H Asset Value Source: Central Bank of B&H in millions KM participati on % in millions KM participati on, % in millions KM participati on % in millions KM participati on % Banks11, , , , Investments funds1, , , , Leasing companies , , , Insurance and reinsurance Microcredit organizations , Toatl14,883 18,394 24,510 25, th Interbalkan Forum of Banks Association, Sarajevo 16th October 2009

9 Basic data of commercial banksin B&H (in 000 KM) ISource: banking agencies in B&H R.BDescription Index 1233/13/2 1Cash Loans Total Assets Deposits Total Capital Total Income Total Expences Netto Profit UBBiH III Banking Sector in B&H 9 10th Interbalkan Forum of Banks Association, Sarajevo 16th October 2009

10 10 UBBiH III Banking Sector in B&H FSI ( FSI (Financial Soundness Indicators) FSI second quarter i Source: Central Bank of B&H Q2 2008Q Banks owned by foreign investors Banking system Banks owned by foreign investors Banking system Netto capital vs risk waighted assets (CAR) NPL vs total assets ROAA ROAE Non interest expences vs total income Likvid assets vs total assets Netto open position th Interbalkan Forum of Banks Association, Sarajevo 16th October 2009

11 UBBiH IIII Banking Sector in B&H Average interest rate in B&H (loans: blue-short term, red-long term) ISource: th Interbalkan Forum of Banks Association, Sarajevo 16th October 2009

12 12 UBBiH III Banking Sector in B&H Interest rates and new placements Source: Central Bank of B&H 10th Interbalkan Forum of Banks Association, Sarajevo 16th October 2009

13 There was no cash intervention in B&H banking sector by the State institutions UBBiH III Banking Sector in B&H 13 10th Interbalkan Forum of Banks Association, Sarajevo 16th October 2009

14 UBBiH Three key questions: -Where to find new capital? -How to keep trend in a time ahead? -Can we turn challenge into opportunity? 14 10th Interbalkan Forum of Banks Association, Sarajevo 16th October 2009

15 Thank you for your attention... UBBiH 15 10th Interbalkan Forum of Banks Association, Sarajevo 16th October 2009


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