Bilansi uspjeha - Raiffeisen Bank

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Izvještaj predsjednika Nadzornog odbora Izvještaj predsjednika Nadzornog odbora 6 www.raiffeisenbank.ba Ispred Nadzornog odbora Raiffeisen BANK d.d. Bosna i Hercegovina i ove godine sa zadovoljstvom mogu govoriti o uspješnosti poslovanja u prethodnoj godini. Raif- feisen BANK d.d. BiH zadržala je svoj stabilan rast i poziciju banke sa najvećom aktivom. Zaključno sa 31. decembrom 2005. godine, aktiva Banke dostigla je iznos od 2,5 milijarde KM. Zahvaljujući visokoj profesionalnosti rukovodstva i zaposlenih, te konstantnom prilagođavanju potrebama tržišta bankarskog sektora u BiH, koje je u stalnom raz- voju i koje postaje sve konkurentnije banka je zadržala svoju vodeću ulogu. Uspješnosti Banke svakako je doprinijelo jasno fokusiranje na planiranje i razvoj poslovne mreže, koja je čini dostupnom klijentima širom Bosne i Hercegovine. Od samog početka svog rada Banka je imala pionirsku ulogu u procesima uvođenja novih proizvoda i razvoja poslovanja. Bila je među prvim bankama potpisnicama Ugovora za osiguranje depozita, među najuspješnijim Bankama u tranziciji unutrašnjeg platnog prometa iz ZPP-a (State Clearing Agency) u komercijalne Banke, naja- ktivnija Banka u procesu uvođenja EURO valute i prva Banka zastupljena u oba entiteta. Takođe, bila je među prvim bankama koja je uvela kartično poslovanje, SME program, uslugu internet bankarstva za pravna lica, prva banka u ugovaranju i distribuciji ino kreditnih linija ( DEG, KfW, IFC i drugih). Bila je najznačajnija Banka u podršci razvoja domaće privrede, najveći kreditor u posljednjih pet godina i imala je znatno učešće u velikim izvoznim finansiranjima. Raiffeisen banka je bitan dio Raiffeisen International Bank-Holding AG (Raiffeisen International), jedne od vodećih bankarskih grupacija u Centralnoj i Istočnoj Evropi. Razlog uspjeha Raiffeisen International-a je u njego- vom sveobuhvatnom prisustvu u regionu i ponudi naprednih bankarskih proizvoda i usluga u svim segmentima poslovanja. Iako je BiH u grupi zemalja sa srednje visokim rizikom za strana ulaganja, što je ocjena bonitetske agencije Moody’s, evidentan je priliv stranog kapitala, naročito bankarskih grupacija iz Evrope. U proteklim godinama u ovoj je zemlji uloženo mnogo napora kako bi se ojačala njena političko ekonomska stabilnost. Stoga je realno očekivati da će rezultat navedenog biti stvaranje uslova za poboljšanje međunarodnog kreditnog rejtinga, što će svakako doprinijeti smanjenju cijene kapitala, a samim tim i povoljnijim uslovima kreditiranja kako stanovništva tako i bh privrednika. Raiffeisen International spremno podržava sve inicijative Raiffeisen banke upućene relevantnim vlastima i insti- tucijama, koje potpomažu razvitak bankarskog i finansijskog sektora u BiH. U ime svih članova Nadzornog odbora zahvaljujem se rukovodstvu Banke, kao i svim njenim zaposlenicima za njihov predan rad i profesionalnost. Takođe, zahvaljujem se svim klijentima koji su nam, poslujući sa nama, ukazali svoje povjerenje. Vjerujem da će Raiffeisen BANK d.d. BiH, slijedeći svoju strategiju, dostići nove uspjehe u 2006. godini. Dr. Herbert Stepic Predsjednik Nadzornog odbora
Report by the President of the Supervisory Board On behalf of the Supervisory Board of Raiffeisen BANK d.d. Bosna i Hercegovina, I can again report with plea- sure about the successful business activities of the previous year. Raiffeisen BANK maintained its stable growth and position of the bank with the highest assets. As of December 31, 2005, the Bank’s assets reached KM 2,5 billion. Owing to the high professionalism of the management and employees, as well as the continuous adjustment to the needs of the local banking sector, which is in continuous development and becoming more and more competitive, the bank kept its leading position. The success of the Bank was certainly based on the clear focus on the development of the business network, which is today available for customers throughout Bosnia and Herzegovina. From the very beginning of its operations, the Bank has had a pioneer role in introducing new products and business opportunities. It was amongst the first banks which signed the Agreement for Deposit Insurance, amongst the most successful banks in the transition process of international payments from the State Clearing Agency to commercial banks, the most active bank in introducing the EURO and the first bank present in both entities. It was also one of the first banks to introduce card operations, an SME programme, internet banking service for corporate entities and, not least, the first bank contracting and distributing foreign credit lines (from DEG, KfW, IFC and others). It was the most significant bank in supporting the development of the local economy, the biggest creditor in the last five years and it had considerable share in big export financings. Raiffeisen BANK is an important part of Raiffeisen International Bank-Holding AG, one of the leading banking groups in the Central and Eastern Europe. The reason for Raiffeisen International’s success is its comprehensive presence in the region and its offering of state-of-the-art banking products and services across all business segments. Although, according to Moody’s, BiH is in the group of countries with medium risk for foreign investments, there is considerable inflow of foreign capital, especially from European banking groups. In the previous year, lots of efforts were made to strengthen the country’s political and economic stability.It is realistic to expect that these efforts will lead to a further improvement of its international credit rating, which will in turn certainly contribute to decrease the price of capital, as well as to more favourable lending conditions both in the retail and the corporate segments. Raiffeisen International readily supports all initiatives of Raiffeisen BANK directed to the relevant authorities and institutions, which help to develop the financial sector in BiH. On behalf of all members of the Supervisory Board, I thank the management of BANK Bank, as well as all its employees for their dedicated work and professionalism. Also, I thank all customers which, through their business cooperation with us, have showed their trust. I believe that Raiffeisen BANK, following its strategy, will reach new successes in 2006. Herbert Stepic Chairman of the Supervisory Board Report by the President of the Supervisory Board www.raiffeisenbank.ba 7
Page 2: Pregled ključnih podataka Survey o
Page 5 and 6: Sadržaj Contents Izvještaj predsj
Page 7: www.raiffeisenbank.ba 5
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
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Usporedba troškova poslovanja i uk
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Izvori finansiranja Funds sources U
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Krediti preduzećima Loans to compa
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Depoziti komitenata Customer deposi
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Depoziti stanovništva Deposits fro
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www.raiffeisenbank.ba 67
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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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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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