Bilansi uspjeha - Raiffeisen Bank

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Sektor podrške i platnog prometa 44 www.raiffeisenbank.ba Unutarnji platni promet U toku 2005. godine kroz sistem Unutrašnjeg platnog prometa Raiffeisen banke isprocesirano je 4.158.694 dolaznih transakcija, 2.409.205 odlaznih, te 1.985.416 transakcija unutar mreže Raiffeisen banke BiH, što predstavlja ukupno 8.553.315 transakcija. Sam broj transakcija, sa veoma niskim procentom bilo kakvih reklamacija, ilustruje efikasnost odjeljenja UPP u Centrali koje nadzire protok transakcija, finansijsku ispravnost, usklađenost sa zakonskom regulativom, te kvalitet tehnoloških rješenja za pojedine poslove unutar ovog segmenta. Ovu godinu su u UPP-u obilježile aktivnosti na veoma uspješnoj implementaciji novog prozvoda overdraft/prekoračenje po transakcijskom računu pravnog lica. Ovaj visokosofisticirani i visokoautomatizovani proizvod će stvarne efekte i operativne prednosti, u odnosu na druge oblike kratkoročnog kreditiranja tekuće likvidnosti kompanija, tek pokazati u narednom periodu i sigurno će ga većina klijenata sa zadovoljstvom prihvatiti. Raiffeisen banka je u 2005. godini izabrana za jednu od banaka kod koje je novouspostavljena Uprava za indirektno oporezivanje (UIO) otvorila račune za prikupljanje prihoda od indirektnih poreza. Veoma značajan korak u reformi poreskog sistema zemlje, kao i priprema za uvođenje poreza na dodatnu vrijednost (PDV) bio je veliki izazov za sve učesnike - kako za samu UIO, tako i za poreske obveznike i poslovne banke. Zahvaljujući izvanrednom angažmanu rukovodstva Odjeljenja unutrašnjeg platnog prometa, u našoj banci svi su elementi ovog projekta pravovremeno i uspješno implementirani.Treba istaći proaktivnu ulogu Raiffeisen banke u svim fazama implementacije. Naime implementacioni tim UIO i CAFAO-a često se konsultovao upravo sa rukovodstvom našeg Unutarnjeg platnog prometa, jer su prepoznali visokoprofesionalan i konstruktivan pristup naših radnika. Raiffeisen BANK dd BiH je 2005. godinu završila kao banka preko koje je prikupljeno najviše poreza iz ovog osnova, te u skladu s tim ostvarila najveću proviziju za ovu uslugu. Kraj godine je je takođe protekao u pripremi infrastrukture za servise koji će pratiti uvođenje PDVa, planirano za januar 2006. Administracija kredita i depozita pravnih lica U Odjeljenju za administriranje kredita i depozita pravnih lica, te pod njihovim nadzorom, u toku 2005. godine administrirano je 3.681 kratkoročnih, te 3.592 dugoročnih kredita odobrenih pravnim licima. Oročenih depozita za pravna lica u mreži Raiffeisen banke u istom periodu bilo je 395. U ovom odjeljenju se takođe administriraju (povlačenje sredstava, otplata, servisiranje troškova, izvještavanje ) 74 aktivne kreditne linije koje Raiffeisen banka koristi kao dugoročne izvore. Krajem 2005. godine počele su intenzivne aktivnosti na centralizaciji ove funkcije, tako da će ovo odjeljenje preuzeti najveci dio kreditnog portfelja pravnih lica iz cijele mreže.
Domestic payments During 2005, number of 4.158,694 of incoming transactions was processed through the System of Domestic Payments of Raiffeisen Bank, 2.409,205 of outgoing, and 1.985.416 transactions within the network of Raiffeisen bank BiH, which is total number of 8.553.315 transactions. Very number of transactions with very low percentage of any complaints illustrates efficiency of Domestic Payments Department in the HO which monitors flow of transactions, financial regularity, harmonisation with legal regulations, as well as quality of technological solutions for individual operations of this segment. This year in Domestic Payments was characterised by very successful implementation of a new product overdraft under transaction account of legal entity. This highly sophisticated and highly automated product will show its actual effects and operating advantages, in comparison to other forms of short term lending of current liquidity of companies in the following period and it will certainly be very much accepted by most of the customers. In 2005, Raiffeisen bank was selected as one of the banks with which newly established Indirect Taxation Authority opened accounts for raising revenues based on indirect taxes. Very significant step in reform of tax system of the country, as well as preparation for introduction of value added tax was great challenge for all participants – both for the very Indirect Taxation Authority, and for all taxpayers and commercial banks. Owing to the extraordinary engagement of management of Domestic Payments Department, all elements of this project were duly and successfully implemented in our Bank. Pro-active role of Raiffeisen Bank should be pointed out in all phases of implementation. Namely, Implementation Team of Indirect Taxation Authority and CAFAO commonly consulted with the management of our Domestic Payments Department, since they recognised highly professional and constructive approach of our employees. Raiffeisen BANK dd BiH finished the year 2005 as the bank over which the highest amount of taxes was collected on this basis, and in accordance with that it realised the highest fee for this service. The end of the year also passed in preparation of infrastructure for services which will accompany VAT introduction, planned for January 2006. Corporate Loans and Deposit Administration Central Processing Division During 2005, in the Corporate Loans and Deposit Administration, and those under their supervision, processed and approved 3.681 short term, and 3.592 long term loans to legal entities. Number of term deposits of legal entities in the network of Raiffeisen Bank in that same period was 395. This Department also processes (funds withdrawal, repayment, cost settlement, reporting) 74 active credit lines which Raiffeisen bank utilises as long term sources of funds. At the end of 2005, intensive activities on centralisation of this function started, so that this Department will take over the biggest part of loan portfolio of legal entities in the whole network. www.raiffeisenbank.ba 45
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 and 44: Finance and Accounting Division Ope
Page 45: Central Processing Division In an e
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
Page 97 and 98:
Notes to the financial statements 3
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Bilansi uspjeha - Raiffeisen Bank

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