Bilansi uspjeha - Raiffeisen Bank

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RZB Grupacija i Raiffeisen International RZB Grupacija i Raiffeisen International 16 www.raiffeisenbank.ba Raiffeisen International je u potpunosti konsolidovano supsidijarno lice Raiffeisen Zentralbank Österreich AG (RZB) sa sjedištem u Beču. RZB je matična kompanija RZB grupacije i centralna institucija austrijske Raiffeisen bankarske grupacije, najjače bankarske grupacije u zemlji sa najvećom lokalnom distribucijskom mrežom. Osnovan 1927. godine, RZB pruža cijelu lepezu komercijalnih i usluga investicionog bankarstva u Austriji i smatra se pionirom u Centralnoj i Istočnoj Evropi (CIE). Ona je među vodećim bankama u regionu. Svoje komercijalne, investicijske i usluge poslovanja sa fizičkim licima pruža na sljedećim tržištima: Albanija, Bjelorusija, Bosna i Hercegovina, Bugarska, Hrvatska, Češka Republika, Mađarska, Kosovo, Poljska, Rumunija, Rusija, Srbija i Crna Gora, Slovačka, Slovenija i Ukrajina. Raiffeisen International radi kao rukovodeća kompanija koja posjeduje većinu dionica (u većini slučajeva 100 ili gotovo 100 posto). Također, brojna društva za finansijski lizing (uključujući jedno u Kazahstanu) dio su grupacije. Nakon najveće inicijalne javne ponude u istoriji Austrije u aprilu 2005., RZB je ostao većinski dioničar Raiffeisen International-a sa 70-procentnim udjelom u kapitalu. Preostalih 30 procenata je u slobodnom opticaju, i u vlasništvu je institucionalnih i retail investitora. Sa krajem 2005., 2.443 podružnica pokrivalo je region CIE-a i preko 43.600 zaposlenih koji su pružili usluge za 9,7 miliona klijenata. Sa krajem 2005., ukupna aktiva Raiffeisen International-a iznosila je € 40,7 milijardi, što je za 41 procenat više u poređenju sa decembrom 2004. Konsolidovani profit (nakon manjinskih dioničara) u skladu sa MFRS-om iznosio je € 382,3 miliona, što predstavlja povećanje za 83 procenta. Povrat na kapital prije poreza dostigao je 21,8 procenata a koeficijent trošak/prihod je poboljšan na 61,6 procenata. Zaključno sa 31. decembrom 2005., ukupna bilansna svota RZB grupacije iznosila je € 93,9 milijardi, sto je do 38 procenata više od kraja 2004. godine. Dobit prije poreza u skladu sa MFRS-om iznosila je € 929,9 miliona, što predstavlja povećanje od 34 procenta u poređenju sa istim periodom 2004. Povrat na kapital prije poreza bio je 23,9 procenata a koeficijent trošak/prihod poboljšan je na 58,9 procenata. Pored bankarskih poslova – koji su upotpunjeni i predstavništvima u Litvaniji (Vilnius), Moldaviji (Chisinau) i Rusiji (Moskva) – RZB vodi nekoliko specijalizovanih kompanija u CIE-u koje nude rješenja, između ostalog u oblasti M&A-a, razvoju nekretnina, upravljanja fondovima, lizinga i stambenog kreditiranja. U Zapadnoj Evropi i u Sjedinjenim Državama, RZB upravlja filijalom u Londonu i predstavništvima u Njujorku, Briselu, Frankfurtu, Milanu, Parizu i Štokholmu. Finansijska kompanija u Njujorku (sa predstavnistvima u Čikagu i Hjustonu) i supsidijarna banka na Malti upotpunjuju ovu lepezu. U Aziji, RZB vodi filijale u Pekingu (sa predstavništvom u Zhuhaiu) i Singapuru kao i predstavništva u Ho Si Minu, Hong Kongu, Mumbaiu, Teheranu i Seulu. Ovo međunarodno prisustvo jasno podvlači strategiju banke na tržištima u razvoju. RZB je rangiran na sljedeći način: • Standard & Poor’s Kratkoročni A1 • Moody’s Kratkoročni P-1 • Moody’s Dugoročni A1 • Moody’s Finansijska snaga C+ www.rzb.at, www.ri.co.at
The RZB Group and Raiffeisen International RZB Group & Raiffeisen International Raiffeisen International in turn is a fully consolidated subsidiary of Vienna-based Raiffeisen Zentralbank Österreich AG (RZB). RZB is the parent company of the RZB Group and the central institution of the Austrian Raiffeisen Banking Group, the country’s most powerful banking group with the largest local distribution network. Founded in 1927, RZB provides the full range of commercial and investment banking services in Austria and is regarded a pioneer in Central and Eastern Europe (CEE). It ranks among the region’s leading banks, offering commercial, investment and retail banking services in the following markets: Albania, Belarus, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Kosovo, Poland, Romania, Russia, Serbia and Montenegro, Slovakia, Slovenia and Ukraine. Raiffeisen International acts as these banks’ steering company, owning the majority of shares (in most cases 100 or almost 100 per cent). Furthermore, numerous finance leasing companies (including one in Kazakhstan) are part of the group. Following the largest IPO in Austria’s history in April 2005, RZB remains Raiffeisen International’s majority shareholder owning 70 per cent of the capital stock. The remaining 30 per cent is free-float, owned by institutional and retail investors. At year-end 2005, 2,443 business outlets covered the CEE-region and more than 43,600 employees attended to 9.7 million customers. As of year-end 2005, Raiffeisen International’s total assets amounted to € 40.7 billion, up 41 per cent compared with December 2004. Consolidated profit (after minorities) according to IFRS came to € 382.3 million, an increase of 83 per cent. The return on equity before tax reached 21.8 per cent and the cost/income ratio improved to 61.6 per cent. As per 31 December 2005, the RZB Group’s balance-sheet total amounted to € 93.9 billion, up 38 per cent on the figure for year-end 2004. IFRS-compliant profit before tax amounted to € 929.9 million, an increase of 34 per cent compared with the same period of 2004. The return on equity before tax was 23.9 per cent and the cost/income ratio improved to 58.9 per cent. In addition to its banking operations – which are complemented by representative offices in Lithuania (Vilnius), Moldova (Chisinau) and Russia (Moscow) – RZB runs several specialist companies in CEE offering solutions, among others, in the areas of M&A, real estate development, fund management, leasing and mortgage banking. In Western Europe and the USA, RZB operates a branch in London and representative offices in New York, Brussels, Frankfurt, Milan, Paris and Stockholm. A finance company in New York (with representative offices in Chicago and Houston) and a subsidiary bank in Malta complement the scope. In Asia, RZB runs branches in Beijing (with a representative office in Zhuhai) and Singapore as well as representative offices in Ho Chi Minh City, Hong Kong, Mumbai, Tehran and Seoul. This international presence clearly underlines the bank’s emerging markets strategy. RZB is rated as follows: • Standard & Poor’s Short-term A1 • Moody’s Short-term P-1 • Moody’s Long-term A1 • Moody’s Financial Strength C+ www.rzb.at, www.ri.co.at www.raiffeisenbank.ba 17
Page 2: Pregled ključnih podataka Survey o
Page 5 and 6: Sadržaj Contents Izvještaj predsj
Page 7 and 8: www.raiffeisenbank.ba 5
Page 9 and 10: Report by the President of the Supe
Page 11 and 12: Introduction by Chief Executive Off
Page 15 and 16: Macroeconomic Aggregates Macroecono
Page 17: Macroeconomic Aggregates Financial
Page 21 and 22: Raiffeisen BANK d.d. Bosnia and Her
Page 23 and 24: Vision Raiffeisen BANK d.d. Bosnia
Page 31 and 32: Nadzorni odbor Supervisory Board Up
Page 33 and 34: Corporate Banking Division Corporat
Page 35 and 36: Retail Division Retail Savings Comp
Page 37 and 38: Cards Business Growth in issuing ca
Page 39 and 40: SME segment SME market BiH market i
Page 41 and 42: Treasury and Financial Market Divis
Page 43 and 44: Finance and Accounting Division Ope
Page 45 and 46: Central Processing Division In an e
Page 47 and 48: Domestic payments During 2005, numb
Page 49 and 50: Balance Sheet As of 31. December 20
Page 51 and 52: Statements of Income For the years
Page 53 and 54: Petogodišnja usporedba finansijski
Page 55 and 56: Ukupna aktiva Total assets EUR 000
Page 57 and 58: Operativni rezultati Poslovanje Ban
Page 59 and 60: Usporedba troškova poslovanja i uk
Page 61 and 62: Izvori finansiranja Funds sources U
Page 63 and 64: Krediti preduzećima Loans to compa
Page 65 and 66: Depoziti komitenata Customer deposi
Page 67 and 68: Depoziti stanovništva Deposits fro
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www.raiffeisenbank.ba 67
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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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