Bilansi uspjeha - Raiffeisen Bank

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
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