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) 34. PROSJEČNE KAMATNE STOPE Prosječne kamatne stope su izračunate kao ponderisani prosjek za svaku kategoriju imovine i obaveza: 31. decembar 2005. EUR USD Ostalo KM IMOVINA Potraživanja od Centralne banke 1,59% Plasmani kod banaka 2,32% 2,33% - 3,68% 0,65%-3,24% - Krediti 3,00% - 12,00% - - 3,00% – 14,00% OBAVEZE Obaveze prema bankama Euribor + 1,98% - - - Depoziti po viđenju 0,30% 0,25% 0% - 1,75% 0,30% Oročeni depoziti 1,00% - 6,00% 0,75%-1,40% 0% - 3,35% 1,00% - 6,00% Subordinirani dug Euribor + 2,4% 31. decembar 2004. EUR USD Ostalo KM IMOVINA Potraživanja od Centralne banke - - - 1,47% Plasmani kod banaka 0,9% - 2,06% 0,9% - 1,25% 0,19% - 3% - Krediti 6,21% - 12% 8,90% - 3,5% - 16% OBAVEZE Obaveze prema bankama 2,17% - 4,3% - - - Depoziti po viđenju 0% - 0,75% 0,25% - 0,75% 0% - 1,75% 0,50% Oročeni depoziti 1,2% - 6,2% 0,35% - 1% 0,2% - 3,35% 1% - 6,2% Subordinirani dug 152 www.raiffeisenbank.ba Euribor + 2,15% Euribor + 3% - - -
Notes to the financial statements 31 December 2005 and 2004 (all amounts are expressed in thousands of KM) 34. AVERAGE INTEREST RATES Average interest rates are calculated as weighted average for each category of interest bearing assets and liabilities: 31 December 2005 EUR USD Other KM ASSETS Due from Central <strong>Bank</strong> 1.59% Placements with other banks 2.32% 2.33% - 3.68% 0.65%-3.24% - Loans 3.00% - 12.00% - - 3.00% – 14.00% LIABILITIES Due to other banks Euribor + 1.98% - - - Demand deposits 0.30% 0.25% 0% - 1.75% 0.30% Term deposits 1.00% - 6.00% 0.75%-1.40% 0% - 3.35% 1.00% - 6.00% Subordinated debt Euribor + 2.4% 31 December 2004 EUR USD Other KM ASSETS Due from Central <strong>Bank</strong> - - - 1.47% Placements with other banks 0.9% - 2.06% 0.9% - 1.25% 0.19% - 3% - Loans 6.21% - 12% 8.9% - 3.5% - 16% LIABILITIES Due to other banks 2.17% - 4.3% - - - Demand deposits 0% - 0.75% 0.25% - 0.75% 0% - 1.75% 0.5% Term deposits 1.2% - 6.2% 0.35% - 1% 0.2% - 3.35% 1% - 6.2% Subordinated debt Euribor + 2.15% Euribor + 3% - - - Financial statement www.raiffeisenbank.ba 153
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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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Adresar Addresses and contacts Raif
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Slovakia Tatra banka, a.s. Hodžovo
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alph.zeitlberger@rba-belgrade.raiff
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Phone: (+43-1) 71 707-1588 Fax: (+4
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Poland Raiffeisen Investment Polska
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Responsibility for Financial Report
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INDEPENDENT AUDITORS’ REPORT To t
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Income Statements For the years end
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Balance Sheets as at 31 December 20
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Statements of cash flows For the ye
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Statements of changes in shareholde
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Notes to the financial statements 3
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Page 103 and 104: Notes to the financial statements 3
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Bilansi uspjeha - Raiffeisen Bank

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