Bilansi uspjeha - Raiffeisen Bank

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Raiffeisen BANK d.d. Bosna i Hercegovina 20 www.raiffeisenbank.ba Vizija • Raiffeisen BANK d.d. Bosna i Hercegovina je vodeća banka u svim ciljanim segmentima klijenata širom zemlje. Misija • Težimo ka dugoročnim vezama sa klijentima. • Nudimo čitav niz usluga visoke kvalitete. • Kao dio mreže Raiffeisen International-a, doprinosimo postignućima sveukupnih ciljeva grupacije generisanjem održivog i iznadprosječnog povrata na kapital za naše dioničare. • Kao članica RZB Grupacije usko sarađujemo sa Raiffeisen Zentralbank i ostalim članicama Austrijske Raiffeisen bankarske grupacije. • Ohrabrujemo naše radnike da budu poduzetni, pokažu inicijativu a mi potičemo njihov razvoj. Članice Raiffeisen grupacije u BiH koriste internacionalni Raiffeisen logo koji se sastoji od dvije stilizirane ukrštene glave konja, simbol koji se može naći u hiljadama godina staroj narodnoj tradiciji Evrope. To je simbol odbrane od zla i životne opasnosti koji se još uvijek može naći na seoskim kućama Centralne Evrope. Prema ciljevima osnivača, članovi Raiffeisena su se zaštitili od ekonomskih nesigurnosti tako što su se ujedinili i izabrali Gable Cross kao amblem za zaštitu pod zajedničkim krovom. Logo se razvio u internacionalni dobro poznati znak koji predstavlja pozitivnu asocijaciju i koristi se diljem svijeta.
Vision Raiffeisen BANK d.d. Bosnia and Herzegovina • Raiffeisen BANK d.d Bosna i Hercegovina, is the leading bank in all target customer segments across the country. Mission • We seek long-term customer relationships. • We provide a full range of high quality financial services. • As part of the Raiffeisen International network, we contribute to the achievement of the overall group objectives, while generating sustainable and above-average return on equity for our shareholders. • As a member of the RZB Group, we cooperate closely with Raiffeisen Zentralbank and the other members of the Austrian Raiffeisen Banking Group. • We empower our employees to be entrepreneurial, to show initiative and we foster their development. The Members of Raiffeisen Group in B&H use international Raiffeisen logo that consists of two stylized crossed horses’ heads and can be traced back hundreds of years to European folk traditions. It is a symbol of defense against evil and life’s dangers and can still be found on rural houses in Central Europe. According to their founder’s objectives, Raiffeisen’s members have safeguarded themselves against economic hazards by uniting within the cooperative and therefore chose the Gable Cross as an emblem of protection under a shared roof. The logo has developed into an internationally well-known and very positively associated trademark and is in use around the world. www.raiffeisenbank.ba 21
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 and 18: Macroeconomic Aggregates Financial
Page 19 and 20: The RZB Group and Raiffeisen Intern
Page 21: Raiffeisen BANK d.d. Bosnia and Her
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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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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www.raiffeisenbank.ba 81
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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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Bilansi uspjeha - Raiffeisen Bank

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