Bilansi uspjeha - Raiffeisen Bank
Bilansi uspjeha - Raiffeisen Bank
Bilansi uspjeha - Raiffeisen Bank
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Notes to the financial statements<br />
31 December 2005 and 2004<br />
(all amounts are expressed in thousands of KM)<br />
17. LOANS AND RECEIVABLES (CONTINUED)<br />
Interest rates for granted loans as at 31 December 2005 and 2004 are summarized as follows:<br />
Domestic currency<br />
31 December 2005 31 December 2004<br />
‘000 KM Annual<br />
interest rate<br />
‘000 KM Annual interest rate<br />
Companies 616,622 3.5% - 14% 499,365 3.5% - 14%<br />
Citizens 741,491 3.6% - 11.29% 592,970 3.61% - 16%<br />
Foreign currency<br />
Companies 24,082 6.21% - 12% 5,326 6.21% - 12%<br />
Citizens 13,573 6.55% - 12% 10,923 6.55% - 12%<br />
Total 1,395,768 1,108,584<br />
18. PURCHASED LOANS HELD TO MATURITY<br />
2005 2004<br />
Principal amount outstanding 2,378 5,730<br />
Unamortized discount (1,661) (3,143)<br />
Provision for impairment (670) (1,451)<br />
Total 47 1,136<br />
The <strong>Bank</strong> entered into two Master Loan Sale Agreements with USAID Business Finance, effective 30 April 2003<br />
and 12 November 2003. These loans were granted to small and medium-sized enterprises and entrepreneurs,<br />
with variable interest rates.<br />
The movements in discount are summarized as follows:<br />
2005 2004<br />
Opening balance 3,143 4,829<br />
Amortized discount (1,143) (1,686)<br />
Write-offs (339) -<br />
Unamortized discount as at<br />
31 December 1,661 3,143<br />
Financial statement<br />
www.raiffeisenbank.ba<br />
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