Bilansi uspjeha - Raiffeisen Bank

Značajni finansijski pokazatelji
Kreditiranje
Credit financing
Kreditiranje preduzeća
Kreditni portfolio krajem 2005. godine iznosi KM 460
miliona i povećan je za 24% u odnosu na kraj prethodne
godine. Ročna struktura kreditnog portfolija promijenjena
je u odnosu na prethodnu godinu u korist dugoročnih
kredita, čije je učešće u ukupnom kreditnom portfoliju na
kraju 2005. godine iznosilo 56%.
Kreditiranje stanovništva
Značajan doprinos ostvarenju planskih kategorija je i
u 2005. godini imala specijalna ponuda za uposlenike
firmi od poslovnog značaja za Banku.
Ponuda kreditnih proizvoda je proširena kreditima za
farmere, studente, za kupovinu apartmana, a kod auto
kredita je lansiran kredit “Staro za novo”.
Pored navedenog, Banka je aktivnije nego u prethodnim
godinama uzela učešće na tenderima državnih
organa, što je imalo pozitivne efekte u vidu novih
kreditnih plasmana.
Kao ilustracija ostvarenog obima poslova kreditiranja
stanovništva može poslužiti podatak da je u 2005.
godini plasirano 67.736 kredita, što je za 25% više u
poređenju sa 2004. godinom.
U odnosu na 2004. godinu kreditni portfelj je zabilježio
rast od 25,44%, odnosno prosječna mjesečna stopa
rasta je iznosila 2,1%.
Kao rezultat navedenih aktivnosti u segmentu kreditiranja
stanovništva, kreditni portfelj Banke je dostigao
21,4% svih kredita datih fizičkim lica u komercijalnim
bankama u BiH.
60 www.raiffeisenbank.ba
Credits to companies
At the end of 2005, loan portfolio was KM 460 million
and the same was increased by 24% in comparison
to the end of the previous year. Maturity structure of
loan portfolio was changed in comparison to the previous
year in favour of long term loans, whose share
in total loan portfolio at the end of 2005 was 56%.
Retail lending
Significant contribution to fulfilment of budgeted categories
in reporting year has also been made through
special offer for employees of companies of business
importance for the Bank.
Offer of loan products was extended with loans for
farmers, students, purchase of condominiums, and with
car loans the “Trade-in” loan was introduced.
Besides the above, the Bank participated in invitation for
bids of state authorities more intensively than in previous
years, which had positive effects in form of new loan
facilities.
As an illustration of achieved volume of retail lending,
67.736 loans were granted during previous year, which
is 25% higher compared to 2004.
Compared to 2004, loan portfolio rose by 25,44%, i.e.
average monthly growth rate was 2,1%. As a result of
above-mentioned activities in retail lending segment,
loan portfolio of the Bank reached 21,4% of all loans
granted to private individuals in commercial banks in
B&H.