Godišnji izveštaj 2008. - UniCredit Bank Srbija ad Beograd

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»Mi smo ljudi koji određuju svoju budućnost. Nema sumnje u to da atmosfera u našoj Grupi i dobri odnosi sa klijentima zavise od nas. Da bismo ovo postigli, mi moramo da stojimo iza svojih moralnih načela i profesionalnih ubeđenja ali isto tako i da uzimamo u obzir mišljenja ljudi. Ukoliko se ponašamo u skladu sa tim principom, bićemo uspešni u svemu onome što radimo.« Julija Šagova Rusija
Izveštaji sektora i odeljenja Sektor za poslove sa privredom 18 Sektor za poslove sa stanovništvom 19 Sektor međunarodnih tržišta 20 Odeljenje ljudskih resursa 21 Odeljenje korporativnog identiteta i komunikacija 22 UniCredit Bank Srbija a.d. • 2008 Godišnji izveštaj 17
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 and 12: Izveštaj Izvršnog odbora za 2008.
Page 13 and 14: Izveštaj Izvršnog odbora za 2008.
Page 15: Struktura aktive u RSD 000 2008. 20
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
Page 63 and 64: preći 250% dela osnovnog kapitala
Page 65 and 66: (5) Korišćenje procenjivanja Ruko
Page 67 and 68:
Metodologija i pretpostavke koje su
Page 69 and 70:
(8) Neto prihodi od naknada i provi
Page 71 and 72:
(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
Page 97 and 98:
(29) Transakcije sa povezanim pravn
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BILANS STANJA (nastavak) U hiljadam
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»Ponedeljak ujutro, moje lice koje
Page 104 and 105:
Mreža ekspozitura Centrala 11000 B
Page 107 and 108:
1 1 Annual Report 2008 Our commitme
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Contents Overview 2008/2007 111 Mis
Page 113 and 114:
1Mission 1 The Bank in the Heart of
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Report of the Executive Board for 2
Page 117 and 118:
Report of the Management Board for
Page 119 and 120:
Structure of assets in RSD 000 2008
Page 121 and 122:
Reports of the Divisions and Depart
Page 123 and 124:
Retail Banking Division Year 2008 w
Page 125 and 126:
Human Resources Department In the c
Page 127 and 128:
Review of the most important activi
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Consolidated financial statements I
Page 132 and 133:
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
Page 141 and 142:
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
Page 149 and 150:
(4) Financial risk management (a) I
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with domestic regulations and rules
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Implementation of Basel II standard
Page 155 and 156:
Past due but not impaired loans The
Page 157 and 158:
An estimation of the fair value of
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The following table provides an ana
Page 161 and 162:
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
Page 167 and 168:
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
Page 175 and 176:
(10) Impairment Impairment include:
Page 177 and 178:
(12) Other operating income and exp
Page 179 and 180:
(14) Cash and cash equivalents Cash
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Movement in balance of impairment f
Page 183 and 184:
16.3 Loans are extended to enterpri
Page 185 and 186:
(18) Available for sale financial a
Page 187 and 188:
(19) Property and equipment 19.1 Pr
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(21) Other assets and accrued incom
Page 191 and 192:
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
Page 197 and 198:
(27) Shareholders’ equity 27.1 Sh
Page 199 and 200:
(28) Contingent liabilities and com
Page 201 and 202:
(29) Related party transactions 29.
Page 203 and 204:
BALANCE SHEET (continued) In thousa
Page 206 and 207:
»Monday morning, my smiling face a
Page 208 and 209:
Office Network Head office 11000 Be
Page 210:
Izdavač / Publisher: UniCredit Ban
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Godišnji izveštaj 2008. - UniCredit Bank Srbija ad Beograd

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