Godišnji izveštaj 2008. - UniCredit Bank Srbija ad Beograd

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»Nakon 26 godina rada za Grupu, mislio sam da sam već sve video. A onda je došla 2008. godina, koja je u profesionalnom smislu bila najizazovnija godina ikada. Video sam dinamičnost Grupe i njenu radnu snagu. Znam da možemo da pobedimo izazove. Ja znam našu posvećenost. Ja znam našu snagu. Znam i da najbolje tek dolazi.« Toni Hol Velika Britanija
Konsolidovani finansijski izveštaji U skladu sa Međunarodnim standardima finansijskog izveštavanja (MSFI) Izveštaj nezavisnog revizora 27 Konsolidovani bilans uspeha 28 Konsolidovani bilans stanja 29 Konsolidovani izveštaj o promenama na kapitalu 30 Konsolidovani bilans tokova gotovine 31 UniCredit Bank Srbija a.d. • 2008 Godišnji izveštaj 25
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 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: Pregled najvažnijih aktivnosti Ode
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
Page 73 and 74: (12) Ostali poslovni prihodi i rash
Page 75 and 76:
(14) Novčana sredstva i novčani e
Page 77 and 78:
Promene na računu ispravke vrednos
Page 79 and 80:
16.3 Krediti preduzećima su uglavn
Page 81 and 82:
(18) Hartije od vrednosti raspolož
Page 83 and 84:
(19) Nekretnine i oprema 19.1 Nekre
Page 85 and 86:
(21) Ostala sredstva i aktivna vrem
Page 87 and 88:
22.2 Struktura dugoročnih kredita
Page 89 and 90:
23.2 Koncentracija kratkoročnih i
Page 91 and 92:
(25) Rezervisanja Rezervisanja u iz
Page 93 and 94:
(27) Kapital 27.1 Kapital se sastoj
Page 95 and 96:
(28) Potencijalne obaveze 28.1 Suds
Page 97 and 98:
(29) Transakcije sa povezanim pravn
Page 99 and 100:
BILANS STANJA (nastavak) U hiljadam
Page 102 and 103:
»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
Page 109:
Contents Overview 2008/2007 111 Mis
Page 113 and 114:
1Mission 1 The Bank in the Heart of
Page 115 and 116:
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
Page 129:
Consolidated financial statements I
Page 132 and 133:
Consolidated Financial Statements i
Page 134 and 135:
Consolidated Financial Statements i
Page 137 and 138:
Notes to the Consolidated Financial
Page 139 and 140:
(2) Basis of preparation (a) Statem
Page 141 and 142:
lished standards that are not yet e
Page 143 and 144:
(3) Summary of significant accounti
Page 145 and 146:
(h) Financial assets and liabilitie
Page 147 and 148:
(l) Available for sale financial as
Page 149 and 150:
(4) Financial risk management (a) I
Page 151 and 152:
with domestic regulations and rules
Page 153 and 154:
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
Page 159 and 160:
The following table provides an ana
Page 161 and 162:
Exposure to interest rate movements
Page 163 and 164:
Foreign currency risk is the risk o
Page 165 and 166:
(e) Country risk Country risk is th
Page 167 and 168:
may not exceed 250% of the portion
Page 169 and 170:
(5) Use of estimates and judgments
Page 171 and 172:
The following describes the methodo
Page 173 and 174:
(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
Page 181 and 182:
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
Page 189 and 190:
(21) Other assets and accrued incom
Page 191 and 192:
22.2 The structure of long-term loa
Page 193 and 194:
23.2 The concentration of total sho
Page 195 and 196:
(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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