Bilansi uspjeha - Raiffeisen Bank

More documents

Recommendations

Info

Finansijski izvještaji Napomene uz finansijske izvještaje 31. decembar 2005. i 2004. godine (Svi iznosi izraženi su u hiljadama KM) 10. NAPLAĆENA OTPISANA POTRAŽIVANJA 114 www.raiffeisenbank.ba 2005. 2004. Glavnica 3.778 4.401 Kamata 2.084 1.645 Naknade 65 99 Ukupno 5.927 6.145 11. ADMINISTRATIVNI TROŠKOVI 2005. 2004. Troškovi zaposlenih 37.551 32.636 Troškovi usluga 5.472 5.839 Zakupnine 4.832 4.016 Telekomunikacije 3.131 2.852 Premije osiguranja štednih uloga i kredita 3.625 2.938 Troškovi reprezentacije i marketinga 3.037 2.436 Troškovi tekućeg održavanja 2.477 2.096 Materijalni troškovi 2.034 1.629 Premije osiguranja imovine 3.029 2.601 Troškovi energije 643 592 Troškovi konsultanskih usluga 4.823 511 Rashodi po osnovu obračunatih kursnih razlika 272 542 Obrazovanje 377 400 Donacije 408 294 Rashodi osnovnih sredstava 237 190 Ostali administrativni troškovi 3.085 4.896 Ukupno 75.033 64.468 Banka nema druge penzione aranžmane osim državnog penzionog sistema Bosne i Hercegovine. Prema sistemu, poslodavac je dužan obračunati tekuće doprinose u procentu od bruto plaća i porez na neto plaće, a troškovi terete bilans uspjeha u periodu u kojem su nastali. Banka nema nikakvih obaveza isplate penzija zaposlenima u budućnosti. Prosječan broj zaposlenih u Banci za godine koje su završile na dan 31. decembra 2005. i 2004. bio je 1.161, odnosno 1.061.
Notes to the financial statements 31 December 2005 and 2004 (all amounts are expressed in thousands of KM) 10. COLLECTED WRITE-OFFS 2005 2004 Principal 3,778 4,401 Interest 2,084 1,645 Fees 65 99 Total 5,927 6,145 11. GENERAL AND ADMINISTRATIVE EXPENSES 2005 2004 Personnel expenses 37,551 32,636 Services 5,472 5,839 Rent 4,832 4,016 Telecommunication expense 3,131 2,852 Deposits insurance premiums 3,625 2,938 Representation and marketing expense 3,037 2,436 Current repairs 2,477 2,096 Material expenses 2,034 1,629 Assets insurance premiums 3,029 2,601 Energy 643 592 Consultancy expenses 4,823 511 Foreign exchange losses 272 542 Education 377 400 Donations 408 294 Disposals of fixed assets 237 190 Other expenses 3,085 4,896 Total 75,033 64,468 The Bank does not have pension arrangements separate from Bosnia and Herzegovina pension system. This system requires that current contributions by the employer be calculated as a percentage of current gross salary payments and taxes on net salary; these expenses are charged to the profit and loss statement in the period the related compensation is earned by the employee. The average number of personnel employed by the Bank during the years ended 31 December 2005 and 2004 was 1,161 and 1,061, respectively. Financial statement www.raiffeisenbank.ba 115
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 and 10:
Report by the President of the Supe
Page 11 and 12:
Introduction by Chief Executive Off
Page 13 and 14:
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 25 and 26:
Page 27 and 28:
Page 29 and 30:
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
Page 61 and 62:
Izvori finansiranja Funds sources U
Page 63 and 64:
Krediti preduzećima Loans to compa
Page 65 and 66: Depoziti komitenata Customer deposi
Page 67 and 68: Depoziti stanovništva Deposits fro
Page 69 and 70: www.raiffeisenbank.ba 67
Page 73 and 74: Adresar Addresses and contacts Raif
Page 75 and 76: Slovakia Tatra banka, a.s. Hodžovo
Page 77 and 78: alph.zeitlberger@rba-belgrade.raiff
Page 79 and 80: Phone: (+43-1) 71 707-1588 Fax: (+4
Page 81 and 82: Poland Raiffeisen Investment Polska
Page 85 and 86: Responsibility for Financial Report
Page 87 and 88: INDEPENDENT AUDITORS’ REPORT To t
Page 89 and 90: Income Statements For the years end
Page 91 and 92: Balance Sheets as at 31 December 20
Page 93 and 94: Statements of cash flows For the ye
Page 95 and 96: Statements of changes in shareholde
Page 97 and 98: Notes to the financial statements 3
Page 115: Notes to the financial statements 3
show all

Bilansi uspjeha - Raiffeisen Bank

You also want an ePaper? Increase the reach of your titles

Delete template?

Save as template?