- Page 3 and 4: 1 1 Godišnji izveštaj 2008 Naša
- Page 5: Sadržaj Pregled 2008/2007 7 Misija
- Page 9 and 10: 1Misija 1 Banka u srcu Evrope Od 20
- Page 11: Izveštaj Izvršnog odbora za 2008.
- Page 15 and 16: Struktura aktive u RSD 000 2008. 20
- Page 17 and 18: Izveštaji sektora i odeljenja Sekt
- Page 19 and 20: Sektor za poslove sa stanovništvom
- Page 21 and 22: Odeljenje ljudskih resursa Tokom 20
- Page 23 and 24: Pregled najvažnijih aktivnosti Ode
- Page 25: Konsolidovani finansijski izveštaj
- Page 28 and 29: Konsolidovani finansijski izveštaj
- Page 30 and 31: Konsolidovani finansijski izveštaj
- Page 33 and 34: Napomene uz konsolidovane finansijs
- Page 35 and 36: (2) Osnova za sastavljanje konsolid
- Page 37 and 38: darda koje nisu stupile na snagu i
- Page 39 and 40: (3) Pregled osnovnih računovodstve
- Page 41 and 42: (h) Finansijska sredstva i obaveze
- Page 43 and 44: (l) Hartije od vrednosti raspoloži
- Page 45 and 46: (4) Upravljanje rizicima (a) Uvod i
- Page 47 and 48: RMIS obuhvata sledeće izveštaje:
- Page 49 and 50: Implementacija Basel II standarda U
- Page 51 and 52: vrednost otplata, je mereno koriste
- Page 53 and 54: Procena poštene (fer) vrednosti ko
- Page 55 and 56: Sledeća tabela predstavlja ročnos
- Page 57 and 58: Izloženost kretanjima kamatnih sto
- Page 59 and 60: (ii) Devizni rizik Devizni rizik je
- Page 61 and 62: (e) Rizik zemlje Rizik zemlje je ri
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preći 250% dela osnovnog kapitala
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(5) Korišćenje procenjivanja Ruko
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Metodologija i pretpostavke koje su
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(8) Neto prihodi od naknada i provi
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(10) Neto prihodi od kursnih razlik
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(12) Ostali poslovni prihodi i rash
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(14) Novčana sredstva i novčani e
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Promene na računu ispravke vrednos
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16.3 Krediti preduzećima su uglavn
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(18) Hartije od vrednosti raspolož
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(19) Nekretnine i oprema 19.1 Nekre
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(21) Ostala sredstva i aktivna vrem
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22.2 Struktura dugoročnih kredita
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23.2 Koncentracija kratkoročnih i
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(25) Rezervisanja Rezervisanja u iz
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(27) Kapital 27.1 Kapital se sastoj
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(28) Potencijalne obaveze 28.1 Suds
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(29) Transakcije sa povezanim pravn
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BILANS STANJA (nastavak) U hiljadam
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»Ponedeljak ujutro, moje lice koje
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Mreža ekspozitura Centrala 11000 B
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1 1 Annual Report 2008 Our commitme
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Contents Overview 2008/2007 111 Mis
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1Mission 1 The Bank in the Heart of
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Report of the Executive Board for 2
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Report of the Management Board for
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Structure of assets in RSD 000 2008
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Reports of the Divisions and Depart
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Retail Banking Division Year 2008 w
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Human Resources Department In the c
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Review of the most important activi
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Consolidated financial statements I
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Consolidated Financial Statements i
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Consolidated Financial Statements i
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Notes to the Consolidated Financial
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(2) Basis of preparation (a) Statem
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lished standards that are not yet e
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(3) Summary of significant accounti
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(h) Financial assets and liabilitie
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(l) Available for sale financial as
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(4) Financial risk management (a) I
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with domestic regulations and rules
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Implementation of Basel II standard
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Past due but not impaired loans The
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An estimation of the fair value of
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The following table provides an ana
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Exposure to interest rate movements
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Foreign currency risk is the risk o
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(e) Country risk Country risk is th
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may not exceed 250% of the portion
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(5) Use of estimates and judgments
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The following describes the methodo
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(8) Net fee and commission income N
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(10) Impairment Impairment include:
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(12) Other operating income and exp
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(14) Cash and cash equivalents Cash
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Movement in balance of impairment f
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16.3 Loans are extended to enterpri
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(18) Available for sale financial a
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(19) Property and equipment 19.1 Pr
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(21) Other assets and accrued incom
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22.2 The structure of long-term loa
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23.2 The concentration of total sho
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(25) Provisions Provisions in the a
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(27) Shareholders’ equity 27.1 Sh
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(28) Contingent liabilities and com
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(29) Related party transactions 29.
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BALANCE SHEET (continued) In thousa
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»Monday morning, my smiling face a
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Office Network Head office 11000 Be
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Izdavač / Publisher: UniCredit Ban