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News Contents 4 / No 531077_dok 16/11/04 10:51 Side 1 THE INTERNATIONAL ELECTRONIC PAYMENT NETWORK EUROGIRO News Contents 2004 4 / November Eurogiro welcomes Nova Banka as a new New Eurogiro application member in Bosnia and Herzegovina 2 development Eurogiro now includes Bosnia and Herzegovina on the Eurogiro ING Bank Slaski SA world map as Nova Banka AD Bijeljina signed a membership 3 agreement with Eurogiro Network A/S on 8 October 2004. Electronic Bill Presentment Nova Banka has a full banking licence and 4 & Payment (EBPP) in Europe is a member of the domestic clearing, offering universal banking activities. The bank ranks 1st in the number of transactions on the Postal financial services National Payment System and its total points 5 in Hungary of sale are 324 of which 51 are bank branches and 273 are post offices. The banking sector in Bosnia and Herzegovina is advancing Postal Financial Services further year by year. During 2003 consolida- 5 in Turkey tion of the banking sector continued by way of mergers and takeovers and the majority of the round development strategy that will improve capital held in the banks is now from foreign the bank’s position in the local banking mar- Network connection to sources. The growth of the banking sector in ket. During 2003 shares of Nova Banka were 6 SWIFT - a tough choice of the country is rapid due to increased local among the top five liquid securities in the partner savings and credit lines. stock market, having trade volume of 1,717 million BAM It is worth mentioning that Nova Banka main- Deutsche Postbank launches tains a high level of growth above the market The initial network of the bank covered the 6 new loan software average, producing positive financial results cities of Bijeljina, Brèko and Zvornik and, in that keep the bank at the top of the banking line with the capitalisation of the bank in sector in Bosnia and Herzegovina. Constant 1999, the branches in Banja Luka, Srpsko Parkistan Post and change and adaptation became a way of life Sarajevo, Doboj and Trebinje were estab- Western Union: in Nova Banka where shareholders and man- lished. Thus, in geographical terms, priority 7 The rise of a remarkable agement recognised the scope for reform of was given to the territory of Republika collaboration the banking sector and the need for mergers Srpska. There are many reasons for this but, and acquisitions. One example was the primarily, regulations integrating the market takeover of Agroprom Banka Banja Luka in within Bosnia and Herzegovina were incom- Eurogiro Board Meeting 2003. Nova Banka intends to maintain an all- plete and contradicting. The opening of 7 in Luxembourg branches in the entire Federation of Bosnia and Herzegovina became possible only after the transfer of payment systems to commer- Kazpost cial banks and later a removal of regulatory 8 obstacles, so the development started only at the end of 2001. The further development of the network was based on initial presence in big centres such as Sarajevo, Mostar and Tuzla where even a small market share pro- vided for profitable operation of branches. Initially Nova Banka offered only a few pro- ducts: • short term loans to corporate sector • international payments for corporate and retail clients • provision of letters of guarantee • assistance on behalf of USAID SMEs credit line Handshake at the signing ceremony; from right Milorad Andzic, Director and CEO, New products and newly developed markets Nova Banka and left, Uwe Holmsgaard, IT provided an initial surge in growth and devel- Director, Eurogiro Network page 3 531077_dok 16/11/04 10:51 Side 2 NEWS / INFORMATION Eurogiro News is a magazine for the Continued growth in the Eurogiro promotion of information, ideas and knowledge within the Eurogiro community. member base Eurogiro News is published quarterly by: In October Eurogiro experienced further expansion by Eurogiro Network A/S Carl Gustavs Gade 3, 1. tv welcoming Nova Banka to the Eurogiro co-operation. DK- 2630 Taastrup Denmark Tel.: +45 43 71 27 72 We are happy to welcome and introduce our new member from Bosnia and Fax: +45 43 71 26 62 Herzegovina, Nova Banka, in this issue of the Eurogiro Newsletter, as we are happy to bring e-mail: [email protected] a profile of our recent members from Poland, ING Bank Slaski. Kazakhstan Post has con- tributed with an article providing information on activities within the Post, while they are Editor-in-Chief: Søren Rose considering potential membership of Eurogiro to strengthen their position within financial Subscription enquiries: services. Editor: Kai Thygesen Tel.: +45 43 31 12 47 Our members in Hungary and Turkey give you an update on their marketing activities, e-mail: [email protected] www.eurogiro.com which may well prove to be a source of inspiration. No part of this publication may be Mr Adrian Sem from Swiss PostFinance provides information on development within a spe- photocopied or otherwise reproduced cific area of the payment industry, namely Electronic Bill Presentment and Payment without the written consent of Eurogiro (EBPP), an area which we are convinced will have an important place in the future pay- Network A/S ment industry. In Eurogiro we are following this area closely to be ready to react when opportunities for introducingOther interesting topics are covered in articles from members Printed by: Schultz Grafisk and business partners, and we hope you will find the topics interesting and of relevance for Although Eurogiro Network A/S has made you and your organisation. every effort to ensure the accuracy of this publication, neither it nor any contributor can accept any legal responsibility whatso- ever for consequences that may arise from errors or omissions or any opinions or Søren Rose, advice given. Editor-in-Chief and Deputy Managing Final editing: Nov 2004 ISSN: 1727-7442 Director The Eurogiro network is an international electronic payment network and is the only electronic cross-border payment system which covers both postal and bank products. Eurogiro has 41 member institutions. Although Western Europe is the core area, Eurogiro now spans five continents. The electronic payment system of Eurogiro is administered by Eurogiro Network A/S COMMENTARY in Copenhagen which also provides the organisational framework for the further development of the co-operation. The com- pany is owned by 12 European members. Eurogiro Member institutions: Afghanistan: Afghanistan International Bank • Austria: PSK/BAWAG • Belgium: Financial Post • Bosnia & Herzegovina: Nova Banka • New Eurogiro application Brazil: Empresa Brasileira de Correios e Telègrafos • Canada: National Bank of development Canada • Cape Verde: Correios de Cabo Verde • China: China Post • Croatia: Hrvatska Posta • The Eurogiro Board has approved the budget for the third Czech Republic: CSOB a.s. • Denmark: Sydbank A/S • Egypt: Commercial generation of the Eurogiro application – known as the ELS. International Bank (Egypt) S.A.E • France: La Poste • Germany: Deutsche Postbank AG • The main purpose of the application Eurogiro will make a review of the current Greece: Hellenic Post • Hungary: Magyar development is to keep the cost of the plat- functionality in the application. Services that Posta • Iceland: Iceland Post • Ireland: An form and network down and to support the are no longer being used will be removed. At Post • Israel: Israel Postal Authority • Italy: new emerging technologies. The ELS will the same time we will request that the new Poste Italiane • Japan: Japan Post, Postal Sav- still be a valuable alternative to the application supports all the pending require- ings Business Headquarters • Latvia: Latvia Post • Luxembourg: P & T • Morocco: Barid SWIFTNet solution and the only solution for ments we have from our Members. Al Maghrib • Netherlands: ING Bank many of the existing members and prospects. N.V./Postbank N.V. • Poland: ING Bank Eurogiro has invited our Members to parti- Slaski • Portugal: CTT Correios • Romania: With the increased request for connections to cipate in the requirement analysis and design Banc Post and Posta Romana • Senegal: La other partners, acquisition of Compaq by HP phase for the new ELS application. We will poste • Slovakia: Postova Banka • Slovenia: and the announced production stop of the run a Design Workshop in Copenhagen in Postna banka Slovenije d.d. • Spain: BBVA Alpha processor within few years it is the December with our Members, the support and Correos y Telegrafos • Switzerland: right time to modernise the ELS application. team and the new software vendor. Swiss Post Postfinance • Togo: Societe des The new application will be developed to run Postes du Togo • Tunisia: La Poste • Turkey: General Directorate of Post • United Kingdom: on the existing ELS platform and also on oth- The new application is expected to be Alliance & Leicester Commercial Bank Plc. • er selected platforms. released for production October 2005 and the USA: Deutsche Bank • Serbia & Montenegro: Members will have a migration period of 9 Postal Savings Bank. months. 2 531077_dok 16/11/04 10:51 Side 3 NEWS / INFORMATION nologies in order to diversify and thereby im- plemented: Furthermore the bank holds a long term agreement on national payment systems, • National Payment System national money orders, pension distribution • long term lending to corporate sector in and foreign exchange at all post offices of collaboration with international organi- Srpske Poste, the provider of postal services sations in Republika Srpska. It is also the intention of • export trade financing Nova Banka to establish collaboration with • payment cards issuing and acquiring Srpske Poste on international payments to be • e-banking exchanged over the Eurogiro network and • Western Union Money Transfer may establish similar future collaboration • buying and honouring foreign cheques with other Postal or financial institutions • letters of credit within Bosnia and Herzegovina. Nova Banka • deposit and lending products in retail expects to implement the Eurogiro system • brokerage of stocks and bonds and go live at the beginning of 2005, and then looks forward to exchanging payments with Such developments brought a vertical seg- the other Eurogiro members.
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