natgillin/translations-raw huggingface dataset:
14 Sent national credit transfers in kuna . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
14 Poslani nacionalni kreditni transferi u kunama . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
14 Sent national credit transfers in all currencies (other than the kuna), converted into kuna . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
14 Poslani nacionalni kreditni transferi u svim valutama (osim kune), preračunato u kune ...........................................................................
16 National credit transfers according to the method of initiation . . . . . . . . . . . . . . . . . . . . . . . . . 
16 Nacionalni kreditni transferi prema načinu zadavanja . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
18 National credit transfers executed by paper-based orders . . . . . . . . . . . . . . . . . . . . . . . . 
18 Nacionalni kreditni transferi izvršeni papirnim nalogom . . . . . . . . . . . . . . . . . . . . . . . . . .
20 National credit transfers executed electronically . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
20 Nacionalni kreditni transferi izvršeni elektronički . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
33 6 .1 Sent money remittances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
Novčana pošiljka . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
34 6 .2 Received money remittances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
Poslane nacionalne novčane pošiljke . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
7 Direct debits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
Primljene novčane pošiljke . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
7 .3 Average number and value of direct debit transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
Primljene prekogranične/međunarodne novčane pošiljke u drugim valutama. . . . .
42 8 .3 Number of users by payment instrument (service) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
Broj računa i korisnika usluge izravnog terećenja i danih suglasnosti . . . . . . . . . . . . . . . . . . .
46 8 .5 Transaction accounts by status . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
HNB Platne transakcije i računi 2015.
50 Glossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
www.hnb.hr
Trg hrvatskih velikana 3, 10002 Zagreb 
Prosječan broj i vrijednost transakcija izravnog terećenja . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Those using data from this publication are requested to cite the source . 
Prosječan broj i vrijednost izravnih terećenja po korisniku i računu . . . . . . . . . . . . . . . . . . . . .
Introduction 
Transakcijski račun . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
CNB Payment Transactions and Accounts 2015 
Jednovalutni i multivalutni računi . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
offices in the RC; 
53 Popis slika ............................................................................53
The publication gives an overview of payment services for 2015 through statistical data collected in four reports: Credit transfer, Money remittance, Direct debit and Accounts . 
Svrha je ove publikacije pružiti sveobuhvatan pregled platnih usluga kreditnih transfera (uključujući uslugu trajnih naloga), novčanih pošiljki (uključujući uslugu plaćanja računa), izravnih terećenja te podatke o transakcijskim računima otvorenima kod kreditnih institucija.
CNB Payment Transactions and Accounts 2015 
1. Zakonodavni okvir
2 Methodology 
Zakonom o platnom prometu (NN, br.
The methodology of collecting data in accordance with the Decision is based on predefined terms, which are harmonised with legal provisions, the ECB's Regulation (EU) No 1409/2013 of 28 November 2013 on payment statistics (ECB/2013/43)2 and other standards governing payment services . 
133/2009. i 136/2012.; u nastavku teksta: ZPP) u koji su transponirane odredbe Direktive o platnim uslugama 2007/64/EZ1 (u nastavku teksta: Direktiva) na jedinstven način uređene su platne usluge u RH, i to na istovjetan način kako ih Direktiva propisuje za cijeli Europski gospodarski prostor.
The payment service providers (reporting entities) whose data were used in the preparation of the publication include credit institutions (banks) that have obtained authorisation from the CNB, which includes authorisation to provide payment services prescribed by a special act . 
ZPP-om se uređuju platne usluge, pružatelji platnih usluga, obveze informiranja korisnika platnih usluga te druga prava i obveze u vezi s pružanjem i korištenjem platnih usluga, transakcijski računi, osnivanje, rad i nadzor nad institucijama za platni promet te osnivanje, rad i nadzor nad platnim sustavima.
The publication presents complete aggregated statistical data in the RC for 2015 on: 
Platne usluge uređene ZPP-om, između ostalog, jesu platne usluge kreditnih transfera / trajnih naloga, novčane pošiljke / usluge plaćanja računa i izravnih terećenja.
e . the currency in which the transaction takes place (transaction currency) . 
Na temelju ZPP-a donesena je Odluka o načinu otvaranja transakcijskih računa (NN, br.
For the purposes of the publication, all transactions in other currencies are recalculated in kuna at the CNB's midpoint exchange rate on the last day of the reporting period . 
3/2011., 35/2011., 50/2011., 89/2011., 101/2011., 135/2011., 56/2012., 18/2013., 23/2013., 10/2014. i 150/2014.) kojom se propisuje način otvaranja transakcijskih računa kod kreditnih institucija.
Data on the par value of transactions are shown in kuna without lipa . 
Republika Hrvatska u potpunosti je uskladila svoje zakonodavstvo s pravnom stečevinom EU-a u području platnog prometa.
Detailed methodological explanations related to the individual terms of the Report are given in each chapter separately . 
ZPP-om platne usluge u RH uređene su istovjetno kao i u EU-u.
2 Regulation (EU) No 1409/2013 of the European Central Bank of 28 November 2013 on payment statistics (ECB/2013/43) . 
Tako su među platnim uslugama definiranima člankom 3. točkama 3., 4., 6. i 7.
Total national payment transactions (1 - 5) 
RH;
9 Received money remittances 
Izvješće “Gotov novac”;
Total international payment transactions (6 - 9) 
Izvješće “Računi”;
Executed payment transactions include executed payment transactions of credit transfers, standing orders, direct debits, money remittances and bill-paying services in all currencies . 
U publikaciji je dan pregled platnih usluga za 2015. godinu kroz statističke podatke prikupljene u četiri izvješća: Kreditni transfer, Novčana pošiljka, Izravno terećenje i Računi.
Standing orders include all national standing orders executed to debit the payment accounts of consumers and business entities (non-consumers) . 
1409/2013 ESB-a od 28. studenoga 2013. o statistici platnog prometa (ESB/2013/43)2 i drugim standardima kojima se uređuju platne usluge.
Sent money remittances include all national money remittances executed to debit consumers and business entities (non-consumers) . 
U publikaciji se na cjelovit način iznose agregirani statistički podaci u RH za 2015. godinu o:
Sent credit transfers include all international credit transfers executed to debit the payment accounts of consumers, business entities (non-consumers) and credit institutions . 
kreditnim transferima i trajnim nalozima - prikazanima na mjesečnoj razini, sa stanjem na kraju posljednjeg dana izvještajnog razdoblja (mjeseca) ili godišnje;
Sent credit transfers 
Tablica 1.
Direct debits 
Izvršene platne transakcije
Sent money remittances 
Broj transakcija
Source: CNB. 
% Vrijednost transakcija
Sent credit transfers 
A) Nacionalne platne transakcije 1.
Standing orders 
Poslani kreditni transferi
Source: CNB. 
2. Trajni nalozi
48%, while sent credit transfers account for 37 . 
3. Usluga plaćanja računa
51% and 0 . 
5. Poslane novčane pošiljke
20%) and received credit transfers (49 . 
Ukupno nacionalne platne transakcije (1. - 5.)
14%) and sent money remittances with a share of 0 . 
B) Međunarodne platne transakcije 6.
Sent credit transfers 
7. Primljeni kreditni transferi
Sent credit transfers 
9. Primljene novčane pošiljke
Received money remittances 
Ukupno međunarodne platne transakcije (6. - 9.)
4 Credit transfers 
UKUPNO (A+B)
‘Credit transfer' means a payment service by which the payer's payment account is debited and the payee's payment account is credited on the basis of an order initiated by the payer . 
Izvršene platne transakcije obuhvaćaju izvršene platne transakcije kreditnih transfera, trajnog naloga, izravnog terećenja, novčane pošiljke i usluge plaćanja računa u svim valutama.
Credit transfers include sent credit transfers executed to debit the accounts of payment service users and received credit transfers executed to credit the accounts of payment service users . 
Poslani kreditni transferi obuhvaćaju sve nacionalne kreditne transfere izvršene na teret računa za plaćanje potrošača, poslovnih subjekata (nepotrošača) i kreditnih institucija.
An analysis of the same data for business entities (non-consumers) established that their average monthly number was 32 credit transfers per transaction account with an average monthly value of HRK 410,160 . 
Iz strukture nacionalnih platnih transakcija prema broju izvršenih transakcija vidljivo je kako se najveći udio (79,95%) odnosi na transakcije poslanih kreditnih transfera.
A holder - user (consumer and/or business entity [non-consumer]) may hold or own several payment accounts . 
Manji dio odnosi se na transakcije usluge plaćanja računa s udjelom od 7,96%, transakcije izravnih terećenja sa 6,32% i transakcije trajnog naloga s 5,73%.
In the RC, in all 3 .47 million transactions of sent national and cross-border/ international credit transfers of consumers and business entities (nonconsumers) were executed in all currencies (other than the kuna), converted into kuna, worth HRK 260,964 .70 million . 
U strukturi nacionalnih platnih transakcija prema vrijednosti izvršenih transakcija najveći udio odnosi se na poslane kreditne transfere s 95,70%, dok se znatno manji udio odnosi na uslugu trajnog naloga (3,13%), uslugu izravnog terećenja (0,84%), uslugu plaćanja računa (0,32%) te poslane novčane pošiljke (0,01%).
million HRK 
Poslani kreditni transferi
in thousand 
Trajni nalozi
Number of transactions - left 
Usluga plaćanja računa
Value of transactions - right 
Izravna terećenja
January 
Poslane novčane pošiljke
February 
Izvor: HNB
March 
Slika 2.
September 
Trajni nalozi
December 
Izravna terećenja
Source: CNB. 
Poslane novčane pošiljke
CNB Payment Transactions and Accounts 2015 
Izvor: HNB
in thousand 
Primljeni kreditni transferi
Number of transactions - left 
Poslane novčane pošiljke
Value of transactions - right 
Primljene novčane pošiljke
January 
Izvor: HNB
February 
Slika 4.
July 
Primljeni kreditni transferi
August 
Poslane novčane pošiljke
September 
Primljene novčane pošiljke
October 
Izvor: HNB
Source: CNB. 
4. Kreditni transfer
The average monthly number of transactions was 244,606, with an average value of HRK 20,342 .21 million . 
Kreditni transferi obuhvaćaju poslane kreditne transfere izvršene na teret računa korisnika platnih usluga i primljene kreditne transfere izvršene u korist računa korisnika platnih usluga.
Figure 8 Sent national and cross-border/international credit transfers of business entities (non-consumers) 
Na Slici 5. prikazana je struktura kreditnih transfera koji obuhvaćaju poslane i primljene kreditne transfere.
4.1 National credit transfers 
HNB Platne transakcije i računi 2015.
National credit transfers include national payment transactions executed to debit the accounts of payment service users (consumers and business entities [non-consumers]) and to debit the accounts of banks . 
Analizom istih podataka za poslovne subjekte (nepotrošače) utvrđeno je da je njihov prosječan mjesečni broj iznosio 32 kreditna transfera po transakcijskom računu s prosječnom mjesečnom vrijednosti u iznosu od 410.160 kuna.
In the RC, 28 credit institutions provide the national credit transfer payment service . 
Imatelj korisnik (potrošač i/ili poslovni subjekt (nepotrošač)) može imati odnosno biti vlasnik više računa za plaćanje.
Credit transfers may be initiated by a paper-based order or electronically . 
Poslani nacionalni i prekogranični/međunarodni kreditni transferi u svim valutama (osim kune), preračunato u kune
In order to execute the order, the user authorises it electronically . 
Na razini mjeseca prosječno je izvršeno 289.458 transakcija s prosječnom mjesečnom vrijednosti od 21.747,06 milijuna kuna.
Sent national credit transfers in kuna 
Prosječna vrijednost jednoga kreditnog transfera iznosila je 75.130 kuna.
The total number of sent national credit transfers of consumers in kuna in 2015 was 125 .17 million transactions, with a total value of HRK 104,511 .26 million . 
Analizom istih podataka za poslovne subjekte (nepotrošače) utvrđeno je da je njihov prosječni mjesečni broj iznosio 586 transakcija s prosječnom mjesečnom vrijednosti u iznosu od 6,65 milijuna kuna.
At a monthly level, on average 10 .43 million transactions were executed, with an average monthly value of HRK 8,709 .27 million . 
U RH ukupno je izvršeno 538.234 transakcije poslanih nacionalnih i prekograničnih/međunarodnih kreditnih transfera potrošača u svim valutama (osim kune), preračunato u kune s ukupnom vrijednosti u iznosu od 16.858,24 milijuna kuna.
The average value of a transaction was HRK 835 . 
Mjesečno su se prosječno izvršavale 44.853 transakcije s prosječnom vrijednosti u iznosu od 1.404,85 milijuna kuna.
Figure 9 Total sent national credit transfers of consumers and business entities (non-consumers) 
Prosječna vrijednost jedne transakcije iznosila je 31.321 kunu (Slika 7.).
billion HRK 
Slika 7.
Figure 10 Sent national credit transfers of consumers 
HNB Platne transakcije i računi 2015.
million HRK 
Slika 8.
The average value of a transaction was HRK 11,232 . 
Za korisnika koji s kreditnom institucijom sklopi navedenu uslugu podaci na nalozima unaprijed su ispunjeni.
billion HRK 
Prosječna vrijednost jedne transakcije iznosila je 835 kuna.
in thousand 
Slika 9.
Number of transactions - left 
Ukupni poslani nacionalni kreditni transferi potrošača i poslovnih subjekata (nepotrošača)
February 
mlrd.
March 
HRK
April 
mil.
September 
Slika 10.
December 
tis.
Source: CNB. 
mil. HRK
In the RC, in all 595,865 transactions of sent national credit transfers of consumers and business entities (non-consumers) were executed in all currencies (other than the kuna); converted into kuna, they were worth HRK 69,627 .34 million . 
Analizom kretanja prikazanog broja i vrijednosti poslanih nacionalnih kreditnih transfera poslovnih subjekata (nepotrošača) u kunama utvrđeno je da je njihov ukupan broj iznosio 128,81 milijun transakcija s ukupnom vrijednosti u iznosu od 1.446,81 milijardu kuna.
At a monthly level, on average 49,655 transactions were executed with an average monthly value of HRK 5,802 .28 million . 
Prosječan mjesečni broj iznosio je 10,73 milijuna transakcija u prosječnom mjesečnom iznosu od 120.567,60 milijuna kuna.
The average value of a credit transfer was HRK 116,851 . 
Prosječna vrijednost jedne transakcije iznosila je 11.232 kune.
Figure 12 Total sent national credit transfers of consumers and business entities (non-consumers) 
HNB Platne transakcije i računi 2015.
Figure 13 Sent national credit transfers of consumers 
Prosječna vrijednost jednoga kreditnog transfera iznosila je 116.851 kunu.
April 
tis.
July 
Izvor: HNB
Figure 14 Sent national credit transfers of business entities (nonconsumers) 
Prosječna vrijednost jednoga kreditnog transfera iznosila je 271.577 kuna.
in thousand 
Poslani nacionalni kreditni transferi potrošača
January 
tis.
February 
mil. HRK
May 
Izvor: HNB
June 
Slika 14.
September 
tis.
October 
mil. HRK
An analysis of the movement of the national credit transfers of consumers according to the method of initiation established that the total number of national credit transfers executed by paper-based orders came to 70 .11 million transactions, while 52 .86 million transactions were executed electronically . 
Analizom kretanja izvršenih nacionalnih kreditnih transfera potrošača prema načinu zadavanja utvrđeno je da je ukupan broj nacionalnih kreditnih transfera izvršenih papirnim nalozima iznosio 70,11 milijuna transakcija, a elektronički je izvršeno 52,86 milijuna transakcija.
The average monthly number of national credit transfers of consumers executed by paper-based orders amounted to 5 .84 million transactions, while monthly on average 4 .41 million transactions were executed electronically . 
Prosječan mjesečni broj nacionalnih kreditnih transfera potrošača izvršenih papirnim nalozima iznosio je 5,84 milijuna transakcija, dok se elektronički prosječno mjesečno izvršilo 4,41 milijun transakcija.
Number of transactions: electronically 
Broj transakcija: elektronički način
Number of transactions: paper-based 
Broj transakcija: papirni način
The shown data on the value of the national credit transfers of consumers according to the method of initiation established that the total value of transactions executed by paper-based orders was HRK 55,202 .91 million, while the total value of transactions executed electronically came to HRK 47,650 .48 million . 
Iz prikazanih podataka o vrijednosti nacionalnih kreditnih transfera potrošača prema načinu zadavanja utvrđeno je da je papirnim načinom ukupno izvršeno transakcija u vrijednosti od 55.202,91 milijun kuna, dok se elektronički ukupno izvršilo transakcija u vrijednosti od 47.650,48 milijuna kuna.
Monthly, the value of transactions executed by paper-based orders on average amounted to HRK 4,600 .24 million, while on average the monthly value of transactions executed electronically on average was HRK 3,970 .87 million . 
Prosječno mjesečno papirnim nalozima izvršilo se transakcija u vrijednosti od 4.600,24 milijuna kuna, dok se elektronički prosječno mjesečno izvršilo transakcija u vrijednosti od 3.970,87 milijuna kuna.
An analysis of the movement of the executed national credit transfers of business entities (non-consumers) according to the method of initiation established that the total number of national credit transfers executed by paper-based orders was 17 .38 million transactions and that 110 .72 million transactions were executed electronically . 
Analizom kretanja izvršenih nacionalnih kreditnih transfera poslovnih subjekata (nepotrošača) prema načinu zadavanja utvrđeno je da je ukupan broj nacionalnih kreditnih transfera izvršenih papirnim nalozima iznosio 17,38 milijuna transakcija, a elektronički 110,72 milijuna transakcija.
According to the shown number of the executed national credit transfers of business entities (non-consumers) according to the method of initiation it is evident that the ratio of orders executed electronically was considerably higher than the executed paper-based orders . 
Prema prikazanom broju izvršenih nacionalnih kreditnih transfera poslovnih subjekata (nepotrošača) prema načinu zadavanja vidljivo je da je omjer elektronički izvršenih naloga znatno veći od papirno izvršenih naloga.
The average monthly number of credit transfers executed using paper-based orders stood at 1 .45 million transactions, while monthly on average 9 .23 million transactions were executed electronically . 
Prosječan mjesečni broj papirno izvršenih kreditnih transfera iznosio je 1,45 milijuna transakcija, dok se elektronički prosječno mjesečno izvršilo 9,23 milijuna transakcija.
Value of transactions: electronically 
Vrijednost transakcija: elektronički način
Value of transactions: paper-based 
Vrijednost transakcija: papirni način
Number of transactios: electronically 
Broj transakcija: elektronički način
An analysis of data on the value of national credit transfers of business entities (non-consumers) according to the method of initiation established that in all considerably fewer transactions were executed by using paper-based orders than by using orders initiated electronically . 
Analiziranjem podataka o vrijednosti nacionalnih kreditnih transfera poslovnih subjekata (nepotrošača) prema načinu zadavanja utvrđeno je da je papirnim načinom ukupno izvršeno znatno manje transakcija u odnosu na elektronički zadane naloge.
The total value of paper-based orders stood at HRK 113,036 .01 million, while orders worth a total of HRK 1,330 .73 billion were executed electronically . 
Ukupna vrijednost papirnih naloga iznosila je 113.036,01 milijun kuna, dok se elektronički ukupno izvršilo 1.330,73 milijarde kuna.
The average monthly value of paper-based orders was HRK 9,419 .67 million, while on a monthly average the value of transactions executed electronically was HRK 110,894 .56 million . 
Prosječna mjesečna vrijednost papirnih naloga iznosila je 9.419,67 milijuna kuna, dok se elektronički prosječno mjesečno izvršilo transakcija u vrijednosti od 110.894,56 milijuna kuna.
A proportion of payment transactions of national credit transfer are executed in such a manner that they are submitted as a paper-based order over the counter at a credit institution or through another person that is acting on behalf and for the account of a credit institution . 
Dio platnih transakcija nacionalnoga kreditnog transfera izvršava se na način da su podneseni kao papirni nalog na šalteru kreditne institucije ili druge osobe koja radi u ime i za račun kreditne institucije.
The total number of national credit transfer transactions of consumers initiated by a paper-based order over the counter at credit institutions was 31 .73 million transactions, while 17 .24 million transactions were executed at business entities (non-consumers) . 
Također mogu biti zadani korištenjem 2D barkoda na papirnim nalozima za plaćanje koji su “skenirani”/ očitani na šalterima kreditne institucije ili preko osobe koja u ime i za račun radi za kreditnu instituciju, a koji se izvršavaju kao kreditni transferi.
users of mobile banking 
Okvir 1.
users of e-bills 
Potrošač
users of e-bills 
4.284.889 stanovnika RH
RC business entities: 312,354 
korisnika internetskog bankarstva
Business entity (non-consumer) 
korisnika internetskog bankarstva
Source: CNB. 
korisnika mobilnog bankarstva
CNB Payment Transactions and Accounts 2015 
korisnika mobilnog bankarstva
Business entity (non-consumer) 
korisnika e-računa
Over the counter 
312.354 poslovna subjekta RH
Mobile phone 
Izvor: HNB
Table 3 Total value of national credit transfers executed electronically 
Ukupan broj nacionalnih kreditnih transfera izvršenih elektronički
Payment method 
Način plaćanja
Business entity (non-consumer) 
Poslovni subjekt (nepotrošač)
Over the counter 
Šalter
Mobile phone 
Mobilni telefon
ATM/banking kiosk 
Bankomat / bankarski kiosk
E-bill 
E-račun
Services 
Tablica 3.
Value of transactions 
Način plaćanja
Number of transactions 
Potrošač
Value of transactions 
Poslovni subjekt (nepotrošač)
Internet banking 
Šalter
Mobile banking 
Internet
E-bill 
Telebanking
Source: CNB. 
Mobilni telefon
4.1.1 Standing orders 
Bankomat / bankarski kiosk
CNB Payment Transactions and Accounts 2015 
E-račun
Figure 19 Number of standing order contracts 
Ostalo
in thousand 
Izvor: HNB
in thousand 
Tablica 4.
January 
Usluge
February 
Potrošač
March 
Poslovni subjekt (nepotrošač)
April 
Broj transakcija
May 
Vrijednost transakcija
June 
Broj transakcija
July 
Vrijednost transakcija
August 
Internetsko bankarstvo
September 
Mobilno bankarstvo
October 
E-račun
November 
Izvor: HNB