Bilansi uspjeha - Raiffeisen Bank

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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.
Krediti preduzećima Loans to companies Krediti stanovništvu Loans to Individuals Ukupno Total Rezerviranja za moguće gubitke po kreditima Provision for Possible Loan Losses Neto vrijednost kredita Net Value of Loans Bruto vrijednost kredita Gross Value of Loans 2005 Bruto vrijednost kredita Gross Value of Loans 2004 Key Financial Highlights Promjena Change 000 KM 000 EUR 000 KM 000 EUR % 640,704 327,587 504,691 258,044 27 755,064 386,058 603,893 308,765 25 1,395,768 713,645 1,108,584 566,810 26 63,770 32,605 50,848 25,998 1,331,998 681,040 1,057,736 540,812 26 www.raiffeisenbank.ba 61
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Pregled ključnih podataka Survey o
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Sadržaj Contents Izvještaj predsj
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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 13 and 14: www.raiffeisenbank.ba 11
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 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: Izvori finansiranja Funds sources U
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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