DR UNA SIKIMIĆ, ALTA BANKA A.D. CEO
Prepared And Committed The fact that Alta banka – as one of the country’s few domestic banks – does not belong to the group of large banks, is something that it uses as its greatest advantage. Its staff know each client well, structures transactions to suit their specific needs and make decisions efficiently
demanding clients with the best user experience. Almost all age categories of clients are now opting for digital services, which is a direct consequence of the “new reality” prompted by the pandemic. For us, the implementation of digital solutions means full readiness and commitment to adapting the process and organisation of our work, in order for us to provide clients with a competitive service and adapt to their needs. This requires an infinitely agile approach.
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n a climate of low interest rates and profitability that’s not so high, it is essential for banks to strengthen their activities when it comes to increasing the efficiency of processes and fortifying the resilience of their organisation through the active management of risk, while simultaneously adapting to clients’ individual needs. Digitalisation is one of the words that has marked the period of the pandemic over the past year and a half. What has digitalisation brought to your bank? Increasing the participation of digital channels in operations reduces crowds and queues, while at the same time eliminating operational activities in branches to a large extent, which changes the role of bank staff from administrative
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Our bank’s mission is to provide our clients with the kind of quality of products and services that we would like to receive ourselves to advisory. Clients received additional benefits, such as, for example, the ability to pay bills from their home via IPS QR technology, in just a few seconds, without the need to visit a branch. The number of users of digital services at Alta banka has increased by more than 60 per cent since the beginning of 2020, which shows us that we are on the right track to providing our “digitally” ever-more
How are the current market needs? What do citizens and businesses expect from banks? The Republic of Serbia has, thanks to a comprehensive strategy and measures taken, managed to increase economic activity while maintaining the stability of the monetary system. According to the statistics of the National Bank of Serbia, total bank placements increased by 11% last year, while the share of nonperforming loans in total loans fell below the level it was at prior to the pandemic, reaching a level of 3.5% in July this year. These stats indicate a stable and strong banking sector that responded excellently to the crisis, as well as maintaining a high level of capitalisation, measured by the indicator of a capital adequacy ratio that’s significantly above the minimum prescribed by the regulator, along with additional strengthening of the deposit base. For the economy’s further growth and recovery, alongside the stabilising of the health situation, the support of the banking sector will also be required. Clients expect improved communication with their banks, combinations of digital and traditional channels, and banks must be
