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) 35. RIZIK LIKVIDNOSTI (NASTAVAK) ‘000 KM Na poziv IMOVINA Novac i sredstva kod bana- 156 www.raiffeisenbank.ba 0-6 mjeseci 6-12 mjeseci Preko 1 godine Nedefinirano dospijeće Rezervisanja Ukupno ka 16.328 - - - 73.792 - 90.120 Obavezna rezerva kod Cen- tralne banke - - - - 338.183 - 338.183 Plasmani kod drugih banaka - 651.846 - 496 - (13) 652.329 Dati kreditii i potraživanja 33.905 316.091 267.186 778.586 - (63.770) 1.331.998 Kupljeni krediti koji se drže do dospijeća - - - 717 - (670) 47 Kapitalna ulaganja - - - - 2.672 (188) 2.484 Ostala imovina - - - - 36.929 (707) 36.222 Nekretnine i oprema - - - - 42.513 (423) 42.090 Ukupna imovina (1) 50.233 967.937 267.186 779.799 494.089 (65.771) 2.493.473 OBAVEZE Obaveze prema drugim bankama 529 77.379 58.935 446.424 10.208 - 593.475 Obaveze prema klijentima 844.810 303.158 196.192 228.053 54.808 - 1.627.021 Rezervisanja - - - - - 18.239 18.239 Ostale obaveze 393 4.809 - - 18.092 - 23.294 Subordinirani dug - - - 62.000 - - 62.000 Ukupne obaveze (2) 845.732 385.346 255.127 736.477 83.108 18.239 2.324.029 BILANSNA NEUSKLAÐENOST LIKVIDNOSTI NA DAN 31. decembra 2005. (795.499) 582.591 12.059 43.322 410.981 (84.010) 169.444 Ukupna imovina na dan 31. decembra 2004. 37.798 853.301 240.338 572.912 391.917 (56.271) 2.039.995 Ukupne obaveze na dan 31. decembra 2004. 715.424 386.338 275.038 459.305 58.114 12.023 1.906.242 UKUPNA NEUSKLAÐENOST LIKVIDNOSTI NA DAN 31. decembra 2004. (677.626) 466.963 (34.700) 113.607 333.803 (68.294) 133.753
Notes to the financial statements 31 December 2005 and 2004 (all amounts are expressed in thousands of KM) 35. LIQUIDITY RISK (CONTINUED) ‘000 KM ASSETS On demand 0-6 months 6-12 months Over 1 year Non interest bearing Provisions Total Cash and due from banks 16,328 - - - 73,792 - 90,120 Due from the Central <strong>Bank</strong> - - - - 338,183 - 338,183 Placements with other banks - 651,846 - 496 - (13) 652,329 Loans and receivables 33,905 316,091 267,186 778,586 - (63,770) 1,331,998 Purchased loans - - - 717 - (670) 47 Investments - - - - 2,672 (188) 2,484 Other assets - - - - 36,929 (707) 36,222 Fixed and intangible assets - - - - 42,513 (423) 42,090 Total assets (1) 50,233 967,937 267,186 779,799 494,089 (65,771) 2,493,473 LIABILITIES Due to other banks 529 77,379 58,935 446,424 10,208 - 593,475 Due to customers 844,810 303,158 196,192 228,053 54,808 - 1,627,021 Provisions - - - - - 18,239 18,239 Other liabilities 393 4,809 - - 18,092 - 23,294 Subordinated debt - - - 62,000 - - 62,000 Total liabilities (2) 845,732 385,346 255,127 736,477 83,108 18,239 2,324,029 TOTAL LIQUIDITY MISMATCH AS OF 31 December 2004 (795,499) 582,591 12,059 43,322 410,981 (84,010) 169,444 Total assets as of 31 December 2003 37,798 853,301 240,338 572,912 391,917 (56,271) 2,039,995 Total liabilities as of 31 December 2003 715,424 386,338 275,038 459,305 58,114 12,023 1,906,242 TOTAL LIQUIDITY MISMATCH AS OF 31 DECEMBER 2003 (677,626) 466,963 (34,700) 113,607 333,803 (68,294) 133,753 Financial statement www.raiffeisenbank.ba 157
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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 107 and 108: Notes to the financial statements 3
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