Bilansi uspjeha - Raiffeisen Bank

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Predgovor direktora Predgovor direktora 8 www.raiffeisenbank.ba U ime Uprave Raiffeisen BANK d.d. Bosna i Hercegovina zadovoljstvo mi je govoriti o rezultatima koji potvrđuju da smo iza nas ostavili još jednu uspiješnu poslovnu godinu. Tržišni udio naše banke, obračunat na osnovu ukupne aktive, iznosi 21 posto, čime smo zadržali vodeću poziciju komercijalne banke u Bosni i Hercegovini. Ostvareni uspjeh potvrđuje da smo spremno dočekali nove izazove nastale konstant- nim jačanjem konkurencije unutar bankarskog sektora u BiH. Prethodnu godinu završili smo sa neto dobiti u iznosu od 24,2 milion KM. Aktiva Banke sa 31. decembrom 2005. godine iznosila je 2.494.767.000 KM, što u odnosu na 2004. godinu predstavlja povećanje od 22%, kapital je povaćan za 23%, dobit za 15%, krediti za 26%, depoziti 16%. U prethodnoj godini nastavljeno je širenje naše poslovne mreže. Otvorene su nove poslovnice u Kiseljaku, Banjoj Luci, Bosanskoj Krupi, Prnjavoru, Zenici i Konjicu. Kao potvrda našeg uspješnog poslovanja su kako domaća, tako i mnogobrojna međunarodna priznanja: The Banker - “Banka godine” Global Finance - “Najbolja banka u BiH” Magazin BANKE - tri Zlatna BAM-a Kristalna prizma - “Najbolju banku u BiH” Finance Central Europe - četiri nagrade Uspješnu Raiffeisen grupaciju u BiH u protekloj godini sačinjavalo je pet članica: Raiffeisen BANK, Raiffeisen osiguranje, Raiffeisen Brokers, Raiffeisen Leasing i Market Investment Group (MI-GROUP), koji je specijalizovan za upravljanje investicionim fondovima i posredovanje u prometu vrijednosnim papirima (koje obavlja u ime i za račun Privatizacijskog investicionog fonda “MI-GROUP” d.d. Sarajevo). U toku godine UNIQA Group Austria preuzela je našu članicu – Raiffeisen osiguranje. Obzirom da su Raiffeisen i UNIQA dugogodišnji partneri ne samo na osnovu udruživanja kapitala, naša saradnja sa Raiffeisen osiguranjem - UNIQA Group Austria bit će nastavljena i ubuduće. Naš odgovor na postavljene zadatke i izazove proizašle iz novog poslovnog okruženja i u nared- noj godini bit će fleksibilnost, orjentacija prema klijentu, uvođenje novih tehnologija, unapređenje poslovnih procesa, inovativni proizvodi, te poslovno usavršavanje naših zaposlenika. Navedene aktivnosti poduzimaju se u skladu sa našim osnovnim ciljem - povećanje zadovoljstva korisnika naših usluga i podrška razvoju njihovog poslovanja i kvaliteta življenja. Ovom prilikom želim se zahvaliti svim našim cijenjenim klijentima i partnerima koji su nam uka- zali povjerenje. Takođe, naglašavam da su našim zajedničkim uspjesima doprinijeli timski rad, disciplinovanost, savjesnost i odgovornost naših zaposlenika, kojim se takođe zahvaljujem na njihovom doprinosu našem zajedničkom uspjehu. Edin Muftić Direktor
Introduction by Chief Executive Officer Introduction by Chief Executive Officer On behalf of the Management of Raiffeisen BANK d.d. Bosna i Hercegovina , it is my pleasure to talk about results which confirm that another successful year was left behind us. Market share of our Bank, calculated on the basis of total assets, amounts to 21 per cent, by which we retained the position of leading commercial bank in Bosnia and Herzegovina. Achieved success confirms that we readily coped with the new challenges resulting from constant strengthening of the com- petition within the banking sector in BiH. We ended the previous year with net profit in amount of KM 24,2 million. The assets of the Bank as of December 31st 2005 amounted to KM 2.494.767.000, which compared to 2004 represents increase by 22%, the equity increased by 23%, profit by 15%, loans by 26%, deposits by 16%. Extension of our business network continued during previous year. New branches were opened in Kiseljak, Banjoj Luka, Bosanska Krupa, Prnjavor, Zenica and Konjic. Numerous domestic and international awards serve as confirmation of our successful business operations: The Banker - “Bank of the Year” Global Finance - “The Best Bank in BiH” Magazine BANKE – three awards “Zlatni BAM” Kristalna prizma - “The Best Bank in BiH” Finance Central Europe – four awards Successful Raiffeisen Group in BiH consisted of five members last year: Raiffeisen BANK, Raiffeisen Insurance, Raiffeisen Brokers, Raiffeisen Leasing and Market Investment Group (MI-GROUP) spe- cialized in managing investment funds and mediation in securities trading (performed on behalf and for account of the Privatisation Investment Fund “MI-GROUP” d.d. Sarajevo). During the year, UNIQA Group Austria took over a member of our Group – Raiffeisen Insurance. Since Raiffeisen and UNIQA are long-term partners not only on the basis of joining capital, our cooperation with Raiffeisen Insurance - UNIQA Group Austria will be continued in the future. Our response to set tasks and challenges arising from new business environment will in the following year also be flexibility, client orientation, introducing new technologies, improvement of business processes, innovative products, and professional development of our employees. Above-mentioned activities are undertaken over in accordance with our primary goal – increase of satisfaction of users of our services and support to development of their business operations and quality of living. On this occasion, we wish to express gratitude to our appreciated customers and partners who entrusted us with their confidence. Also, I would like to emphasise that our joint successes are also contributed by the teamwork, discipline, diligence and responsibility of our employees, whom I also wish to thank for their contribution to our joint success. Edin Muftić CEO www.raiffeisenbank.ba 9
Page 2: Pregled ključnih podataka Survey o
Page 5 and 6: Sadržaj Contents Izvještaj predsj
Page 7 and 8: www.raiffeisenbank.ba 5
Page 9: Report by the President of the Supe
Page 15 and 16: Macroeconomic Aggregates Macroecono
Page 17 and 18: Macroeconomic Aggregates Financial
Page 19 and 20: The RZB Group and Raiffeisen Intern
Page 21 and 22: Raiffeisen BANK d.d. Bosnia and Her
Page 23 and 24: Vision Raiffeisen BANK d.d. Bosnia
Page 31 and 32: Nadzorni odbor Supervisory Board Up
Page 33 and 34: Corporate Banking Division Corporat
Page 35 and 36: Retail Division Retail Savings Comp
Page 37 and 38: Cards Business Growth in issuing ca
Page 39 and 40: SME segment SME market BiH market i
Page 41 and 42: Treasury and Financial Market Divis
Page 43 and 44: Finance and Accounting Division Ope
Page 45 and 46: Central Processing Division In an e
Page 47 and 48: Domestic payments During 2005, numb
Page 49 and 50: Balance Sheet As of 31. December 20
Page 51 and 52: Statements of Income For the years
Page 53 and 54: Petogodišnja usporedba finansijski
Page 55 and 56: Ukupna aktiva Total assets EUR 000
Page 57 and 58: Operativni rezultati Poslovanje Ban
Page 59 and 60: Usporedba troškova poslovanja i uk
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Izvori finansiranja Funds sources U
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Krediti preduzećima Loans to compa
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Depoziti komitenata Customer deposi
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Depoziti stanovništva Deposits fro
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www.raiffeisenbank.ba 67
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Adresar Addresses and contacts Raif
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Slovakia Tatra banka, a.s. Hodžovo
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alph.zeitlberger@rba-belgrade.raiff
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Phone: (+43-1) 71 707-1588 Fax: (+4
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Poland Raiffeisen Investment Polska
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Responsibility for Financial Report
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INDEPENDENT AUDITORS’ REPORT To t
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Income Statements For the years end
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Balance Sheets as at 31 December 20
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Statements of cash flows For the ye
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Statements of changes in shareholde
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Notes to the financial statements 3
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