Bilansi uspjeha - Raiffeisen Bank

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Sektor podrške i platnog prometa Sektor podrške i platnog prometa 42 www.raiffeisenbank.ba U izrazito dinamičnoj godini za Sektor podrške i platnog prometa primarne aktivnosti bile su: procesiranje transakcija po svim poslovima koje sektor pokriva, a koje su u konstantnom porastu, koordiniranje dijela operacijskih poslova koji se obavljaju u sve kompleksnijoj mreži Raiffeisen banke, te implementacija novih proizvoda u produkcijski sistem. Pored toga zabilježen je intenzivan angažman zaposlenika Sektora u mnogobrojnim projektima, kako na nivou banke, tako i u okviru pojedinih poslovnih funkcija. Samo neki od ovih projekata su: - Mapiranje ključnih procesa, - Predimplementacijska analiza za eventualni budući software, - BPMS (upravljanje poslovnim procesima), - SIX SIGMA za međunarodna plaćanja. Međunarodni platni promet Odjeljenje međunarodnog platnog prometa je u 2005. godini isprocesiralo 312.695 standardnih međunarodnih plaćanja, što predstavlja 15% prosječnog povećanja u odnosu na prethodnu godinu. Najveći porast od čak 34% zabilježen je na doznakama iz inostranstva u korist fizičkih lica. U domenu servisiranja nerezidentnih i specijalni računa broj platnih transakcija od 658.115 u odnosu na prethodnu godinu predstavlja povećanje od 39%. Kao značajno dostignuće u ovom dijelu posla je i dalje poboljšanje STP stope kod inoplaćanja, što je u ovoj poslovnoj godini potvrđeno priznanjem dodijeljenim od Deutsche Bank Frankfurt (Three Year STP Excelence Award). Ovo oficijelno priznanje za kvalitet platnih naloga dostavljenih od strane naše banke, dodijelila je jedna od najznačajnijih korespondentskih banaka Raiffeisen BANK d.d. BiH za područje Evrope. Grupa instrumenata za finansiranje trgovine izdala je 5.106 garancija, 656 uvoznih i 76 izvoznih dokumentarnih akreditiva, što predstavlja povećanje od 18% na garancijama, odnosno 35% na akreditivima, u odnosu na prethodnu godinu. Iz godine u godinu, povećanjem privrednih aktivnosti u Bosni i Hercegovini, poslovi koji pokrivaju međunarodnu robnu razmjenu postaju složeniji i kompleksniji sa stanovišta finansijskih usluga, te je pred ovom grupom zadatak stalnog praćenja svjetskih trendova i profesionalnog usavršavanja. Najdrastičniji porast broja transakcija ipak se desio u Back Office Tržišta novca gdje po svim segmentima MM I FX transakcije udvostručene (procenat povećanja od 75% do 140%) u odnosu na 2004 godinu. Paralelno, tokom cijele godine, provođene su aktivnosti da se, pažljivim odabirom pojedinih servisa korespodentskih inobanaka, troškovi servisiranja računa u inostranstvu smanje, te u što većem procentu pokriju prihodima iz ostvarenog rabata po osnovu međunarodnih plaćanja, te transakcija kod plaćanja garancija/LC. Ovo je bila vrlo uspješna akcija, jer su troškovi inoračuna u drugom polugodištu 2005. godine manji za 17% u odnosu na prvo polugodište, a ukupno ostvareni rabat je KM 114.295,17 (EUR 58.438,19), te pokriva gotovo 60% godišnjih troškova servisiranja inoračuna KM 195,110,94 (EUR 99,758).
Central Processing Division In an extremely dynamic year for Central Processing Division, primary activities were the following: processing transactions under all operations which the Division covers, and which are in constant growth, coordination of part of operating activites which are performed in Raiffeisen bank network which becomes more complex, as well as implementation of new products in production system. Besides that, intensive engagement of employees of Division was recorded in numerous projects, both at level of the bank and within individual business functions. Some of these projects are: - Mapping the key processes, - Pre-implementation review for possible future software, - BPMS (business process management system), - SIX SIGMA for international payments. International Payments Central Processing Division International Payments Department in year 2005 processed 312,695 of standard international payments, which is 15% of average increase in comparison to the previous year. The highest increase of even 34% was recorded on remittances from abroad in favour of PIs. Within the scope of servicing of non-resident and special accounts, number of payment transaction of 658,115 in comparison to the previous year presents increase of 39%. As a significant achievement in this part of operations, there is further continuation of improvement of STP rate with international payments, which was in this business year confirmed by award of Deutsche Bank Frankfurt (Three Year STP Excellence Award). This official award for quality of payment orders delivered by our bank was provided by one of the most significant correspondent banks of Raiffeisen BANK d.d. BiH for the region of Europe. Group for trade finance instruments issued 5,106 guarantees, 656 import and 76 export documentary letters of credit, which was increase by 18% of guarantees, i.e. 35% of letters of credit, in comparison to the previous year. From year to year, by increasing the business activities in Bosnia and Herzegovina, operations which cover international exchange of goods become more complex from point of view of financial services, and this group has task to perform constant monitoring of all world trends as well as the task of professional development. Still, the most drastic increase of number of transactions occurred in Back Office Money Market where under all segments MM and FX transactions doubled (percentage of increase from 75% to 140%) compared to the year 2004. At the same time, during the whole year, activities were performed, by careful selection of individual services of correspondent foreign banks to reduce costs of account servicing abroad, and to cover them with income from realised discount on international payments in as high percentage as possible, as well as transactions related to payments of guarantees/LCs. This was very successful action since the costs of nostro accounts in the second half of 2005 are by 17% lower in comparison to the first half of the year, and total realised discount is KM 114.295,17 (EUR 58.438,19), and it covers almost 60% of annual costs of servicing nostro accounts KM 195.110,94 (EUR 99.758). www.raiffeisenbank.ba 43
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 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: Finance and Accounting Division Ope
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
Page 73 and 74: Adresar Addresses and contacts Raif
Page 75 and 76: Slovakia Tatra banka, a.s. Hodžovo
Page 77 and 78: alph.zeitlberger@rba-belgrade.raiff
Page 79 and 80: Phone: (+43-1) 71 707-1588 Fax: (+4
Page 81 and 82: Poland Raiffeisen Investment Polska
Page 85 and 86: Responsibility for Financial Report
Page 87 and 88: INDEPENDENT AUDITORS’ REPORT To t
Page 89 and 90: Income Statements For the years end
Page 91 and 92: Balance Sheets as at 31 December 20
Page 93 and 94: Statements of cash flows For the ye
Page 95 and 96:
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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