75 GRI Index and Assurance statement Engaged citizen Fair partner Responsible banker Human Capacity Report Sustainability management Overview Foreword In Slovakia, the use of electronic sales channels for private and micro customers was continued at Tatra banka, a.s. during 2016. Customers can receive and accept their contracts electronically via internet banking or mobile applications. For investments, customers can even confirm their contracts on a tablet. They then receive a confirmation in paper form, while the bank stores the records electronically. For giro accounts, the share of electronic account statements for private customers has now risen to 85 percent, while the figure for micro customers is 78 percent. Free giro account packages for private individuals on a low income of less than € 400 are required under Slovakian law. In Hungary, funds from third-party providers are sold by Raiffeisen Bank Zrt. via DirektNet, which significantly reduces paper consumption while also offering customers faster solutions. The same is true of “straight-through processing”, which enables the electronic execution of many orders while also lowering the operational risk. For example, foreign currency conversions to customer accounts are also carried out via DirektNet. Southeastern Europe (SEE) In Albania, Raiffeisen Bank Sh.A. continues to offer packages for pensioners and students that bundle a number of products and services under favorable conditions, such as a low monthly fee of € 0.50. Raiffeisen BANK dd Bosna i Hercegovina offers packages for pensioners and young people. The Pensioners‘ account set is a combination of financial products and services for which the holder pays a single fee, which is up to 24% less than what they would pay for each product and service individually. The Raiffeisen CLUB set is specially designed for young people who are not employed yet and do not have an income. It is free of charge and enables young people aged between 15 and 26 to get their own bank account, a payment card, mobile banking, and many other banking products and services. Raiffeisenbank (Bulgaria) EAD offers no-fee debit cards for retirees, student packages and student loans under favorable conditions. Efforts to reduce paper use in the core business have also been continued as a way to reduce CO2 emissions: Electronic card statements, the increased use of electronic product information and electronic sales channels are among these efforts. In Croatia, Raiffeisenbank Austria d.d. also continued to offer service/account packages for retirees, young people and students. Account statements are already offered via email and internet banking for all customers. Eastern Europe (EE) In Belarus, Priorbank JSC offers service account packages for pensioners that also include an overdraft option for pension account holders.
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