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) 17. DATI KREDITI I POTRAŽIVANJA 120 www.raiffeisenbank.ba 2005. 2004. Kratkoročni krediti u domaćoj valuti 321.341 301.954 Kratkoročni krediti u stranoj valuti 2.591 2.166 Tekuće dospijeće dugoročnih kredita 301.807 235.794 Ukupno kratkoročni krediti 625.739 539.914 Dugoročni krediti u domaćoj valuti 1.034.394 778.595 Dugoročni krediti u stranoj valuti 37.442 25.869 (Tekuće dospijeće dugoročnih kredita) (301.807) (235.794) Ukupno dugoročni krediti 770.029 568.670 Ukupno krediti prije rezervisanja za moguće gubitke 1.395.768 1.108.584 Rezervisanja za moguće gubitke (63.770) (50.848) Ukupno 1.331.998 1.057.736 Svi krediti odobreni su komitentima u Bosni i Hercegovini. Kratkoročni krediti odobreni su na period od 90 do 365 dana. Većina kratkoročnih kredita odobrena je komitentima za obrtna sredstva. Dugoročni krediti odobravani su uglavnom stanovništvu za stambenu izgradnju i kupovinu automobila. Promjene na rezervisanjima za moguće gubitke po kreditima dajemo kako slijedi: 2005. 2004. Stanje na dan 1. januara 50.848 38.265 Povećanje rezervisanja 20.122 18.743 Otpisi (7.200) (6.160) Stanje na dan 31. decembra 63.770 50.848 Ukupan iznos glavnice po kojoj je suspendovana kamata na dan 31. decembra 2005. i 2004. godine iznosio je 40.268 hiljade KM odnosno 39.007 hiljada KM. 2005. 2004. Trgovina 327.997 245.689 Građevinska industrija 22.767 24.757 Usluge, finansije, sport, turizam 76.434 75.873 Administrativne i druge javne ustanove 4.209 2.887 Poljoprivreda, šumarstvo, rudarstvo i energetika 59.177 109.355 Transport, PTT, komunikacije 64.116 35.314 Ostalo 86.004 10.816 Stanovništvo 755.064 603.893 Ukupno 1.395.768 1.108.584
Notes to the financial statements 31 December 2005 and 2004 (all amounts are expressed in thousands of KM) 17. LOANS AND RECEIVABLES 2005 2004 Short-term loans in domestic currency 321,341 301,954 Short-term loans in foreign currency 2,591 2,166 Current portion of long-term loans 301,807 235,794 Total short-term loans 625,739 539,914 Long-term loans in domestic currency 1,034,394 778,595 Long-term loans in foreign currency 37,442 25,869 (Current portion of long-term loans) (301,807) (235,794) Total long-term loans 770,029 568,670 Total loans before provisions 1,395,768 1,108,584 Provision for impairment (63,770) (50,848) Total 1,331,998 1,057,736 All loans are placed with customers in Bosnia and Herzegovina. Short-term loans are granted for periods of 30 to 365 days. The majority of short-term loans in domestic currency are granted to clients for working capital financing. Long-term loans are mostly granted to individuals for housing and vehicle purchases. The movements in the provision for impairment of loans are summarized as follows: 2005 2004 Balance as at 1 January 50,848 38,265 Provisions charged 20,122 18,743 Write-offs (7,200) (6,160) Balance as at 31 December 63,770 50,848 Total amount of non-performing loans on which interest was suspended as at 31 December 2005 and 2004 was KM 40,268 thousand and KM 39,007 thousand, respectively. 2005 2004 Trade 327,997 245,689 Construction industry 22,767 24,757 Services, finance, sport, tourism 76,434 75,873 Administrative and other public institutions 4,209 2,887 Agriculture, forestry, mining and energy 59,177 109,355 Transport and telecommunications 64,116 35,314 Other 86,004 10,816 Citizens 755,064 603,893 Total 1,395,768 1,108,584 Financial statement www.raiffeisenbank.ba 121
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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
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Page 71 and 72: www.raiffeisenbank.ba 69
Page 73 and 74: Adresar Addresses and contacts Raif
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Page 85 and 86: Responsibility for Financial Report
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Page 89 and 90: Income Statements For the years end
Page 91 and 92: Balance Sheets as at 31 December 20
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Page 97 and 98: Notes to the financial statements 3
Page 121: Notes to the financial statements 3
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