1. 6th Interbalkan Forum of Banking Associations
UBBiH UDRUŽENJE BANAKA BOSNE I HERCEGOVINE UDRUGA BANAKA BOSNE I HERCEGOVINE УДРУЖЕЊЕ БАНАКА БОСНE И ХЕРЦЕГОВИНE BANKS ASSOCIATION OF BOSNIA AND HERZEGOVINA Branilaca Sarajeva 20/III, Sarajevo, Bosna i Hercegovina, Tel: (387 33) , Fax: (387 33) BOSNIA AND HERZEGOVINA AND BANKING SECTOR OF B&H in Mr. Ranko Labović, Managing Board Member
Nicosia, October 6th, 2006
6th Interbalkan Forum of Banking Associations

2. Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations
CONTENT OF THE PRESENTATION
I. B&H in brief
II. Presenting UBBiH
III. Priorities of the UBBiH in 2006
IV. Performance Results of the
Banking Sector in 2005

3. Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations
I. B&H in brief
BOSNIA AND HERZEGOVINA
Flag

4. Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations
I.B&H in brief
Bosnia and Herzegovina-Geographic Position in Europe
-Bosnia is located in the western Balkans, bordering
Croatia, Serbia Montenegro The country has 20 kilometres
of coastline

5. Map of Bosnia and Herzegovina:
Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations I. B&H in brief
Map of Bosnia and Herzegovina:
Population: 4,498,976
Capital: Sarajevo
Area: 51,197 km²

6. Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations
I. B&H in brief
The national currency is the Bosnia and Herzegovina convertible mark
(BAM-KM), which is fixed to the Euro (€1 = KM )

7. Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations
I. B&H in brief
Economy
-Bosnia currently faces the dual
problem of rebuilding a war-torn
country and introducing market
reforms to the formerly centrally
planned economy

8. Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations
I. B&H in brief
The largest foreign investors ( ) in the country have been*:
Croatia ( €)
Austria ( €)
Lithuania ( €)
Slovenia ( €)
Netherlands ( €)
Germany ( €)
*Source:

9. Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations
I. B&H in brief
Foreign investments by sector ( )*:
→55.5% Manufacturing
→ 16.5% Banking
→ 8.6% Services
→ 6.2% Trade
→ 0.9% Transport
→ 0,7% Tourism
*Source:

10. Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations
II. Presenting UBBiH (1/5)
CONSTITUENT ASSEMBLY – June 24, 2004
The Association members are all banks of
BiH

11. Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations
II. Presenting UBBiH (2/5)
BODIES OF THE ASSOCIATION:
ASSEMBLY
MANAGING BOARD
Mr. Petar Jurčić, Chairman (Hypo-Alpe-Adria Bank Mostar)
Mr. Mirsad Letić, Member (UPI Bank Sarajevo)
Mr. Dino Osmanbegović, Member (Raiffeisen Bank BH Sarajevo)
Mr. Berislav Kutle, Member (UniCredit Zagrebačka Bank Mostar)
Mr. Ranko Labović, Member (ZEPTERBANK Banja Luka)
EXECUTIVE SECRETARY, Mr. Mijo Mišić

12. Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations
II. Presenting UBBiH (3/5)
OUR MISSION:
-Relationships among the members;
-Relationships with institutions;
-Relationships with media;
-Education;
-Establishment of cooperation with similar institutions in the environment and abroad

13. Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations
II. Presenting UBBiH (4/5)
COMMISSIONS OF THE BANKS ASSOCIATION OF BIH
1. Commission for Electronic Banking
2. Commission for Old FC Savings
3. Commission for Card based Operations
4. Legislation Commission
5. Audit and Supervision Commission
6. Commission for Safety Issues
7. Commission for Prevention of Money Laundering
8. Money and Capital Market Commission

14. Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations
II. Presenting UBBiH (5/5)
PUBLIC RELATIONS
Cooperation with Media
Website
BH Banker
Annual Media Conference
Targeted Media Conferences (as needed)
Media Contact Person (PR), Ms. Julijana Jurković, Tel:

15. Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations
III. Priorities of the UBBiH in 2006 (1/1)
PRIORITIES (GOALS) OF THE BANKS ASSOCIATION OF BIH IN 2006:
1. Adoption of Law on Banks on the BiH Level,
2. Establishment of Unified Supervision on the BiH Level,
3. Foundation of Auction Center,
4. Adoption of Law on Electronic Operations,
5. Improvement of an Enforcement Collection Process,
6. Credit Bureau,
7. Adoption of Law which would regulate minimum standards in the area of bank protection.

16. Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations
IV. Performance Results of
the Banking Sector in 2005

17. NUMBER OF BANKS 33 banks Federation of BiH, 24 banks
Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations IV. Performance Results of the Banking Sector in /9
NUMBER OF BANKS
33 banks
Federation of BiH, 24 banks
Republic of Srpska, 9 banks
Out of total number of banks, there are 5 banks under Provisional Administration

18. GENERAL DATA FROM THE BALANCE SHEET OF BANKS IN BIH (in 000 KM)
Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations IV. Performance Results of the Banking Sector in /9
GENERAL DATA FROM THE BALANCE SHEET OF BANKS IN BIH (in 000 KM)
Description
2004
2005
Index
Total Capital
120
Total Assets
127

19. Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations IV
Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations IV. Performance Results of the Banking Sector in /9 CAPITAL STRUCTURE OF THE BANKS IN BIH

20. Citizens 2.547.220 3.257.969 128 Legal Entities 4.364.886 5.529.971
Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations IV. Performance Results of the Banking Sector in /9
DEPOSITS OF THE BANKS IN BIH (in 000 KM)
Description
2004
2005
Index
Citizens
128
Legal Entities
127
Total

21. Description 2004 2005 Indeks Citizens 2.578.785 3.389.375 131
Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations IV. Performance Results of the Banking Sector in /9
LOANS OF THE BANKS IN BIH (in 000 KM)
Description
2004
2005
Indeks
Citizens
131
Legal Entities
127
Total
129

22. Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations IV
Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations IV. Performance Results of the Banking Sector in /9
Interest Rates (%)
Data Source: Central Bank of BiH
Date December
S T
Loans
L T
Demand Deposits
L T Deposits
2002
12,07
10,59
1,44
4,38
2003
10,54
9,18
0,69
3,40
2004
9,92
8,23
0,77
4,02
2005
9,03
7,70
0,63
3,63

23. Description 2004 2005 Index Total Income 659.598 778.649 118
Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations IV. Performance Results of the Banking Sector in /9
GENERAL DATA FROM THE INCOME STATEMENT (in 000 KM)
Description
2004
2005
Index
Total Income
118
Total Expenses
113
Profit before Tax
57.124
98.670
177

24. Description 2004 2005 Index Number of Employees 7.840 8.392 107
Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations IV. Performance Results of the Banking Sector in /9
EMPLOYEES OF THE BIH BANKING SECTOR
University Qualifications 35%, Secondary School Qualifications 52% and Others 13%
Description
2004
2005
Index
Number of Employees
7.840
8.392
107

25. COMPARED TO OTHER ECONOMY SECTORS IN BIH
Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations IV. Performance Results of the Banking Sector in /9
COMPARED TO OTHER ECONOMY SECTORS IN BIH
-more developed
-regulated better
-organized better
-positive influence to integration and development of the B&H economy

26. Nicosia-Cyprus, 6th Interbalkan Forum of Banking Associations
THANK YOU FOR YOUR ATTENTION!