Bilansi uspjeha - Raiffeisen Bank

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Finansijski izvještaji Napomene uz finansijske izvještaje 31. decembar 2005. i 2004. godine (Svi iznosi izraženi su u hiljadama KM) 15. OBAVEZNA REZERVA KOD CENTRALNE BANKE 118 www.raiffeisenbank.ba 2005. 2004. Obavezna rezerva 338.183 182.955 Ukupno 338.183 182.955 Obavezna rezerva se izračunava na dan 31. decembra 2005. godine odnosno 31. decembra 2004. godine u visini od 15% odnosno 10% prosječnog iznosa ukupnih depozita i pozajmljenih sredstava u posljednjih deset dana obračuna obavezne rezerva. 16. PLASMANI KOD DRUGIH BANAKA Kratkoročni plasmani kod banaka u slijedećim zemljama: 2005. 2004. Bosna i Hercegovina 3.024 3.024 Zemlje OECD-a 649.318 579.892 Ukupan bruto iznos plasmana drugim kreditnim institucijama 652.342 582.916 Umanjeno za rezervisanja za moguće gubitke (13) (16) Ukupno 652.329 582.900 Kamatna stopa na plasmane u EUR iznosila je 2,33% - 2,40% godišnje odnosno 2,00% - 2,18% godišnje, a na plasmane u USD od 3,07% - 4,37% godišnje odnosno 1,72% - 2,48% godišnje na dan 31. decembra 2005. godine odnosno 2004. godine. Kamatna stopa na plasmane u ostalim valutama kretala se od 0,75% - 5,45% godišnje odnosno 0,65% - 5,22% godišnje tokom 2005. i 2004. godine. Promjene na rezervisanjima za moguće gubitke po plasmanima kod drugih banaka mogu se prikazati kako slijedi: 2005. 2004. Stanje na dan 1. januara 16 - Rezervisanja (3) 16 Stanje na dan 31. decembra 13 16
Notes to the financial statements 31 December 2005 and 2004 (all amounts are expressed in thousands of KM) 15. OBLIGATORY RESERVE AT CENTRAL BANK 2005 2004 Obligatory reserve 338,183 182,955 Total 338,183 182,955 Minimum obligatory reserve as of 31 December 2005 and 31 December 2004 is calculated in amount of 15% and 10%, respectively of the average amount of total deposits and the borrowings for each working day during 10 calendar days following the period of maintaining the obligatory reserve. 16. PLACEMENTS WITH OTHER BANKS Short-term placements with banks in following countries 2005 2004 Bosnia and Herzegovina 3,024 3,024 OECD countries 649,318 579,892 Placements to other financial institutions, gross 652,342 582,916 Less: Provisions for possible losses for placements (13) (16) Total 652,329 582,900 The interest rate for placements in EUR was 2.33% – 2.40% p.a. and 2.00% – 2.18% p.a. and for placements in USD 3.07% – 4.37% p.a. and 1.72% – 2.48% p.a. as at 31 December 2005 and 2004, respectively. Interest rate on placements in other currencies was 0.75% – 5.45% p.a. and 0.65% – 5.22% p.a. during 2005 and 2004, respectively. The movements in the provision for impairment of placements with other banks are summarized as follows: 2005 2004 Balance as at 1 January 16 - Provisions (3) 16 Balance as at 31 December 13 16 Financial statement www.raiffeisenbank.ba 119
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Pregled ključnih podataka Survey o
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Sadržaj Contents Izvještaj predsj
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www.raiffeisenbank.ba 5
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Report by the President of the Supe
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Introduction by Chief Executive Off
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Macroeconomic Aggregates Macroecono
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Macroeconomic Aggregates Financial
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The RZB Group and Raiffeisen Intern
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Raiffeisen BANK d.d. Bosnia and Her
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Vision Raiffeisen BANK d.d. Bosnia
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Nadzorni odbor Supervisory Board Up
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Corporate Banking Division Corporat
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Retail Division Retail Savings Comp
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Cards Business Growth in issuing ca
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SME segment SME market BiH market i
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Treasury and Financial Market Divis
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Finance and Accounting Division Ope
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Central Processing Division In an e
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Domestic payments During 2005, numb
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Balance Sheet As of 31. December 20
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Statements of Income For the years
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Petogodišnja usporedba finansijski
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Ukupna aktiva Total assets EUR 000
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Operativni rezultati Poslovanje Ban
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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
Page 69 and 70: www.raiffeisenbank.ba 67
Page 73 and 74: Adresar Addresses and contacts Raif
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Page 79 and 80: Phone: (+43-1) 71 707-1588 Fax: (+4
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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 119: Notes to the financial statements 3
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