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Seventh project management meeting for reducing cash transactions in Kosovo Project management group within the National Payments Council (NPC) 26 June, 2012 CENTRAL BANK OF THE REPUBLIC OF KOSOVO 1. Content Approval of minutes from the

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SLIDE 1

Seventh project management meeting for reducing cash transactions in Kosovo

Project management group within the National Payments Council

(NPC) 26 June, 2012

CENTRAL BANK OF THE REPUBLIC OF KOSOVO 1.

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SLIDE 2

Content

  • Approval of minutes from the last meeting (January 30th 2012);
  • Updates from Visa and MasterCard
  • Payment instruments and terminals - Kosovo compared to the countries in

Southeastern and Central Europe (data published by 20 June 2012);

  • Information about the activities of the sub-working group ( including

PSD/CBK activities in this regard);

  • Others

CENTRAL BANK OF THE REPUBLIC OF KOSOVO 2.

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SLIDE 3
  • Mr. Robert Wright

CENTRAL BANK OF THE REPUBLIC OF KOSOVO 3.

  • 1. Approval of minutes from the last meeting
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SLIDE 4

CENTRAL BANK OF THE REPUBLIC OF KOSOVO 4.

  • 2. Updates from Visa and MasterCard

Visa - Biljana Petrusevska-Trajkovska - "I would like to inform you that we were

able to secure a budget of US$ 10,000 to be used next year. The working group in Kosovo concluded at the last meeting that the educational web site is the most interesting solution. I would like to suggest investing the funds in developing a local web site by local resources. Visa can help with providing the content."

MasterCard - Cyril Ghanem - "We would be happy to run a project with the

banking community in Kosovo, as long as it helps growing our market share in the

  • country. If you have some metrics to share, that would help us in quantifying and

sizing the opportunity."

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SLIDE 5

CENTRAL BANK OF THE REPUBLIC OF KOSOVO 5.

  • 3. Instruments and terminals - Kosovo compared to

the countries in Southeastern and Central Europe (data published by 20 June 2012)

Gjylfidane Kadrijaj, Director Payment Systems Department Central Bank of the Republic of Kosovo

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SLIDE 6

Comparative table

CENTRAL BANK OF THE REPUBLIC OF KOSOVO 6.

Nr Description Kosovo Albania Czech Republic Turkey Serbia Slovenia Bulgaria Hungary Bosnia

Montenegro

Croatia Macedonia 1 Population

2.1 3.19 10.54 73.73 7.38 2.05 7.54 9.74 3.77 0.62 4.42 2.06

2 Size (km^2)

10,887 28,748 78,865 783,562 77,474 20,273 110,879 93,028 51,197 13,812 56,594 25,713

3 Density (per km^2)

193 111 134 94 95 101 68 105 74 45 78 80

4 ATM

460 805 4,082 32,462 2,830 1,845 5,792 4,907 1,202 311 3,975 876

5 per 1 million people

219 252 387 440 383 900 768 504 319 502 899 425

6 per 100 km^2

4 3 5 4 4 9 5 5 2 2 7 3

7 POS

7,534 5,126 77,651 1,976,843 58,012 34,167 64,425 84,678 18,589 10,131 100,012 33,435

8 per 1 million people

3,588 1,607 7,367 26,812 7,861 16,667 8,544 8,694 4,931 16,340 22,627 16,231

9 per 100 km^2

69 18 98 252 75 169 58 91 36 73 177 130

10 Credit Cards

74,873 37,893 2,858,390 51,360,809 969,806 1,544,161 978,546 1,230,544 180453 50,897 1,983,188 290,638

11 per 1 million people

35,654 11,879 271,194 696,607 131,410 753,249 129,781 126,339 47,866 82,092 448,685 141,086

12 Debit Cards

548,253 693,958 7,455,017 81,879,926 5,270,241 2,502,526 7,007,157 7,680,693 1480855 303,630 7,062,580 1,098,800

13 per 1 million people

261,073 217,542 707,307 1,110,537 714,125 1,220,744 929,331 788,572 392,800 489,726 1,597,869 533,398

14 E-Banking

68,990 37,138

  • 701,311
  • 94,339

27,230 1,253,171 306,981

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SLIDE 7

ATM

CENTRAL BANK OF THE REPUBLIC OF KOSOVO 7.

Number of ATM terminals per million people in 2011 and 2009 (below)

900 899 768 504 502 440 425 387 383 319 252 219 Slovenia Croatia Bulgaria Hungary Montenegro Turkey Macedonia Czech Republic Serbia Bosnia Albania Kosovo 161.43 234.49 320.21 339.96 359.42 368.97 407.84 473.85 475.81 725.60 814.71 875.49

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SLIDE 8

ATM

CENTRAL BANK OF THE REPUBLIC OF KOSOVO 8.

Annual growth of the number of ATM’s in the last 3 years:

2% 1% 9% 17%

  • 1%

11% 4% 9% 5% 1% 1% 4% 2% 2% 5% 15% 5% 22% 4%

  • 19%

5% 4% 5% 1% 3% 3% 5% 9% 9% 41% 15% 50% 8% 9% 7% 7% Slovenia Hungary Czech Republic Turkey Serbia Kosova Albania Bosnia Croatia Macedonia Bulgaria Montenegro 2011 2010 2009

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SLIDE 9

POS

CENTRAL BANK OF THE REPUBLIC OF KOSOVO 9.

Number of POS terminals per million people in 2011 and 2009 (below)

26,812 22,627 16,667 16,340 16,231 8,694 8,544 7,861 7,367 4,931 3,588 Turkey Croatia Slovenia Montenegro Macedonia Hungary Bulgaria Serbia Czech Republic Bosnia Kosovo 1,383 2,500 4,313 7,082 7,402 7,884 8,002 11,616 15,415 18,000 19,413 23,147

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SLIDE 10

POS

CENTRAL BANK OF THE REPUBLIC OF KOSOVO 10.

Annual growth of the number of POS terminals in the last 3 years

  • 4%

8%

  • 20%

8% 1% 22% 5% 4% 8% 6% 6% 22%

  • 3%

11% 25% 5%

  • 3%

18% 12% 10% 8% 0% 2% 16%

  • 2%

17% 35% 6% 0% 53% 48% 2% 7% 8% 11% 22% Slovenia Hungary Czech Republic Turkey Serbia Kosova Albania Bosnia Croatia Macedonia Bulgaria Montenegro 2011 2010 2009

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SLIDE 11

Credit Cards

CENTRAL BANK OF THE REPUBLIC OF KOSOVO 11.

Number of credit cards per million people in 2011 and 2009 (below)

7,546 15,004 60,201 91,831 92,457 138,556 139,332 146,230 150,243 462,584 593,484

Albania Kosovo Slovenia Montenegro Macedonia Serbia Bulgaria Czech Republic Hungary Croatia Turkey

753,249 696,607 448,685 271,194 141,086 131,410 129,781 126,339 82,092 47,866 35,654 11,879 Slovenia Turkey Croatia Czech Republic Macedonia Serbia Bulgaria Hungary Montenegro Bosnia Kosova Albania * The number of credit cards for Slovenia is taken from the web site of Bank of Slovenia. Soon we will have the reasons for the high differences compared to previous years.

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SLIDE 12

CENTRAL BANK OF THE REPUBLIC OF KOSOVO 12.

Debit Cards

Number of debit cards per million people in 2011 and 2009 (below)

171,880 241,619 500,672 514,315 676,402 725,158 743,255 864,464 879,471 1,280,052 1,468,136

Albania Kosovo Macedonia Montenegro Serbia Hungary Czech Republic Turkey Bulgaria Slovenia Croatia

1,597,869 1,220,744 1,110,537 929,331 788,572 714,125 707,307 533,398 489,726 392,800 261,073 217,542 Croatia Slovenia Turkey Bulgaria Hungary Serbia Czech Republic Macedonia Montenegro Bosnia Kosova Albania

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SLIDE 13

CENTRAL BANK OF THE REPUBLIC OF KOSOVO 13.

Total payment cards

Number of payment cards per million people in 2011

2,046,554 1,973,994 1,807,144 1,059,112 978,502 914,911 860,513 704,051 571,818 440,665 319,053 229,420 Croatia Slovenia Turkey Bulgaria Czech Republic Hungary Serbia Macedonia Montenegro Bosnia Kosova Shqipëria

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SLIDE 14

CENTRAL BANK OF THE REPUBLIC OF KOSOVO 14.

E-Banking accounts

Number of E-Banking accounts per million people in 2011 and 2009 (below)

4,758 13,793 19,488 29,282 145,546 207,921

50000 100000 150000 200000 250000

Albania Bosnia Kosovo Montenegro Macedonia Croatia

342,103 283,523 149,020 43,919 32,852 25,024 11,642 Slovenia Croatia Macedonia Montenegro Kosova Bosnia Albania

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SLIDE 15

CENTRAL BANK OF THE REPUBLIC OF KOSOVO 15.

Conclusions (1)

Kosovo started developing its banking sector and payments infrastructure from scratch after the war in ’99, much later than the countries in the South-eastern and Central Europe. The terminal infrastructure (ATM and POS) is growing at a faster rate than the average growth in the region. However, currently in terms of terminals per 1 million people, Kosovo has: ATM: The fewest ATMS’s in the region (219), 4 times less than Slovenia and 2 times less than Macedonia; POS: The second fewest POS terminals in the region (3.588) The number of payment cards is increasing, however Kosovo still lacks behind other countries in South eastern and Central Europe. Kosovo is ahead of only Albania regarding the number of payment cards per 1 million people.

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SLIDE 16

Even the number of installed POS terminals in Kosovo is somewhat misleading, as many retail outlets have POS terminals from several banks. The installation of multiple terminals in a single outlet is necessary because there is no national electronic interbank card switch and clearing house and thus no special domestic interoperability arrangement between different banks’ networks (it should also be noted that the same applies to ATMs).

CENTRAL BANK OF THE REPUBLIC OF KOSOVO 16.

Conclusions (2)

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SLIDE 17
  • 4. Information about the activities of the sub-

working group ( including PSD/CBK activities in this regard)

CENTRAL BANK OF THE REPUBLIC OF KOSOVO 17.

CBK has adopted the amendments of the Direct Debit scheme regarding the signing of the authorization in the

bank; Adoption of regulations for the web service for DD; The following companies joined the DD scheme: a) KRM Pastrimi; b) AAC Group LLC; and c) Sigal Life Uniqa Group Austria As per Customs request and discussion with banking sector, the CBK approved and performed change of KOS Giro in color and amount

Banks

Continued communication between participants in particularly regarding web service for Direct Debit. Communication between banks and companies should be bilateral, CBK will support in technical and legal issues.

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SLIDE 18
  • 4. Others

CENTRAL BANK OF THE REPUBLIC OF KOSOVO 18.

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SLIDE 19

Thank you

CENTRAL BANK OF THE REPUBLIC OF KOSOVO 19.

National Payments Council http://www.bqk-kos.org/?cid=1,59,55