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HELGI'S POINT HELGIHO POINTA "Data with a story" "Data s p!íb"hem" March 12, 2013 Czech Republic W99V& 8H9V& 899V& FH9V& F99V& H9V& 9V& K-$)-?0& D(.%+#0& DT%(>0#X0+& S0T0L",*0+& Y-.0+#0& K0'%)-+#0& Z-$0+)& [%-(6#0& \5+60(:& Q$-?0L#0& BT%'"&Y%75>$#'& ]5$60(#0& ]%$0(5,& ^0*?#0& ^#*"50+#0& D5,*(#0& E,*-+#0& P(%$0+)& [(%%'%& P*0$:& _#+$0+)& _(0+'%& Q70#+& K0$*0& [%(.0+:& Q$-?%+#0& ]%$6#5.& `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ezna, 2013 "eská Republika Penetrace bankovních platebních karet Source: OECD, National Central Bank, Helgi Analytics calculation Z$0*%>+i&L0(*0&X%&L0(*03&L*%(l&.fh%&>m*& 7-5h#*0&)(h#*%$%.&0&X%&0L'%7*-?0+l& ->'"-)+iL%.&L&7$0'%+i&+lL575&T>-hi&0u+%>-& 7$0'%+i&X#+m'"&Tl?0TLf;&& & Z$0*%>+i&L0(*0&X%&->?:L$%&%$%L*(-+#'L:& +07-X%+l&+0&dn%*3&+%>-&dn*:&70*ji'i&)(h#*%$#& 7$0*%>+i&L0(*:;&<:*-&dn*:&.-"-5&>m*& )%7-T#*+i3&d?e(-?g&+%>-&L(%)#*+i;&Z$0*%>+i'"& L0(%*&X%&'%$l&j0)03&+07jiL$0)&)%>%*+i3& L(%)#*+i3&)->iX%'i&+%>-&*T?;&,*-(%)C?0$5%& L0(*:3&'-h&X,-5&0+-+:.+i&7$0*%>+i&L0(*:&,& 5(n#*-5&7j%)%.&+0,*0?%+-5&nl,*L-5;&& & RL0T0*%$&,(-?+l?l&7-n%*&7$0*%>+i'"&L0(%*&,& ?%$#L-,c&7-75$0'%3&X#+m.#&,$-?:3&X0Lg& 7(-'%+*-&7-75$0'%&?:5hi?l&>0+L-?+i& 7$0*%>+i&L0(*5;& W99V& 8H9V& 899V& FH9V& F99V& H9V& 9V& K-$)-?0& D(.%+#0& DT%(>0#X0+& S0T0L",*0+& Y-.0+#0& K0'%)-+#0& Z-$0+)& [%-(6#0& \5+60(:& Q$-?0L#0& BT%'"&Y%75>$#'& ]5$60(#0& ]%$0(5,& ^0*?#0& ^#*"50+#0& D5,*(#0& E,*-+#0& P(%$0+)& [(%%'%& P*0$:& _#+$0+)& _(0+'%& Q70#+& K0$*0& [%(.0+:& Q$-?%+#0& ]%$6#5.& `%*"%($0+),& Z-(*560$& Q=%)%+& RS& ^51%.>-5(6& Bank Payment Card Penetration Zdroj: OECD, National Central Bank, Helgi Analytics You will find more at www.helgilibrary.com/indicators/index/bank-payment-card-penetration Více informací najdete na www.helgilibrary.com/indicators/index/bank-payment-card-penetration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a9V& P+&*"%&.-,*&)%?%$-7%)&'-5+*(#%,3&+%0($:&%?%(:&7%(,-+&-=+,&0&>0+L& '0()&+-=0)0:,;&P+&'-5+*(#%,&$#L%&Q=%)%+&-(&RS3&/-(&%10.7$%3&*"%(%& 0(%&.-(%&*"0+&*=-&>0+L&'0(),&7%(&'07#*0&-+&0?%(06%;&BT%'",& >%$-+6&*-&*"%&'-+,%(?02?%&,7%+)%(,&=#*"&>0+L&'0()&7%+%*(02-+& ,2$$&>%$-=&U99V;& b0c.'-&d?e(&%1#,*5X%&?&(fT+g&/-(.e&X#h&?%$.#&)$-5"-3&7(?+i&/-(.0& L(%)#*+i&L0(*:&7j#k$0&+0&,?e*&*%7(?%&?&7(?+i&7-$-?#+e&89;&,*-$%c;& Z(?+i&L0(*:&>:$:&?:)l?l+:&X%)+-*$#?m.#&->'"-):&?m"(0)+e&7(-& 7-5h#c&?&*e'"*-&->'"-)%'";& @#+%(A,&B$5>&>:$0&7(?+i&L0(*03&L*%(l&+0k$0&k#(-Lg&?:5h#c;&D.%(#'0+& E17(%,,&?:)0$0&,?-X#&7(?+i&L(%)#*+i&L0(*5&?&(-'%&FGHI&T0c.'-&J#,0&0& K0,*%(B0()3&X0L&X%&T+l.%&)+%,3&T0n0$#&/5+6-?0*&*%7(?%&?&(-'%& FGMM;&o%X#'"&L0(*:&>:$:&?:)l?l+:&X%)+-*$#?m.#&>0+L0.#&7-)& +lT?%.&*e'"*-&0,-'#0'i&NJ#,0&+%>-&K0,*%(B0()O;& b0c.'-&L(%)#*+i&L0(*0&/5+65X%&+0&7(#+'#75&pL57&*%q3&T07$0r& 7-T)eX#p3&)%>%*+i&L0(*0&,*("l?l&nl,*L5&T0&+lL57&T&>0+L-?+i"-&dn*5& -L0.h#*e;& F99V& M9V& 89V& 9V& FGGM& FGGI& 8999& 8998& 899a& @%>#*&'0(),& 899M& 899I& 89F9& B(%)#*&'0(),& J&+%X(-T?#+5*eXki'"&T%.i'"&X#h&*g.ej&L0h)m&->:?0*%$&?$0,*+i& >0+L-?+i&dn%*&0&7$0*%>+i&L0(*5;&J%&s?g),L5&n#&J%$Lg&](#*l+##& )-L-+'%&7-n%*&7$0*%>+i'"&L0(%*&'%$L-?-5&7-75$0'#&?i'%&+%h& )?0L(l*;&t%k#&X,-5&(%$02?+e&L-+T%(?02?+i3&7%+%*(0'%&7$0*%>+i'"& L0(%*&X%&T)%&+#hki&+%h&F99V;&&& PENETRACE BANKOVNÍCH KARET V !ESKU F89V& F99V& I9V& M9V& a9V& 89V& 9V& FGGM& FGGI& 8999& 8998& 899a& @%>%*+i&L0(*:& 899M& 899I& 89F9& S(%)#*+i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www.HelgiAnalytics.com www.HelgiAnalytics.com ABOUT HELGI ANALYTICS Helgi Analytics is a consulting company based in the Czech Republic. The company mainly provides consultancy in the area of financial services and real estate and focuses primarrily on the region of Central and Eastern Europe. Helgi Analytics also runs a web application called Helgi Library, which is a database/library offering data and analyses on more than 95% of the world's economy and population. The Library aims to bring interesting statistical data and analyses to a wide audience under affordable conditions. If you wish to get more details, please visit www.helgilibrary.com or contact us at [email protected]. Helgi Analytics Eliasova 38, Prague 6 160 00, Czech Republic www.helgianalytics.com DISCLAIMER © 2012, HELGI ANALYTICS LTD. ALL RIGHTS RESERVED. All information contained herein is protected by Copyright Law and no such information may be copied or otherwise reproduced, in whole or in part, in any form or manner, by any Person or Company without Helgi Analytics' prior written consent. All information contained herein is obtained by Helgi Analytics from sources believed by it to be accurate and reliable. Because of the possibility of human and mechanical error, as well as other factors, however, all information contained herein is provided without warranty of any kind. Under no circumstances is Helgi Analytics under any liability to any person or entity for any loss or damage caused by any error, or other circumstance or contingency within or beyond the control of Helgi Analytics or any of its directors, employees, or agents in connection with the procurement, collection, compilation, analysis, interpretation, communication, publication, or delivery of any such information, or any direct or indirect damages whatsoever. The financial reporting, analysis, projections, observations, and other information contained herein are, and must be construed solely as, statements of opinion and not statements of fact or recommendations to purchase, sell, or hold any securities.
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