Bilansi uspjeha - Raiffeisen Bank

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Finansijski izvještaji NEZAVISNO REVIZORSKO MIŠLJENJE Dioničarima Raiffeisen bank d.d. Bosna i Hercegovina Obavili smo reviziju priloženih nekonsolidovanih bilansa stanja Raiffeisen Bank d.d. Bosna i Hercegovina (u daljnjem tekstu: “Banka”) na dan 31. decembra 2005. i 2004. godine te povezanih nekonsolidovanih bilansa uspjeha, izvještaja o promjenama vlasničke glavnice i izvještaja o novčanim tokovima za godine koje su tada završile. Odgovornost za ove finansijske izvještaje snosi Uprava Banke. Naša odgovornost je izraziti mišljenje o finansijskim izvještajima na temelju naše revizije. Reviziju smo obavili u skladu sa Međunarodnim revizijskim standardima. Navedeni standardi zahtijevaju da reviziju planiramo i obavimo na način kojim ćemo steći razumno uvjerenje da finansijski izvještaji ne sadrže materijalno značajne pogreške. Revizija uključuje i ispitivanje testiranjem podataka iz evidencija na temelju kojih su objavljeni iznosi i drugi podaci u finansijskim izvještajima. Revizija također uključuje i ocjenjivanje primijenjenih računovodstvenih načela i značajnih procjena uprave, kao i ocjenjivanje prikaza finansijskih izvještaja u cjelini. Uvjereni smo da nam revizija koju smo obavili pruža razumnu osnovu za naše mišljenje. Po našem mišljenju, priloženi finansijski izvještaji prikazuju realno i objektivno, u svim značajnim odrednicama, nekonsolidovani finansijski položaj Raiffeisen Bank d.d. Bosna i Hercegovina na dan 31. decembra 2005. i 2004. godine, kao i nekonsolidovane rezultate njezinog poslovanja, novčane tokove i promjene vlasničke glavnice za godine koje su tada završile u skladu sa Međunarodnim standardima finansijskog izvještavanja. 84 www.raiffeisenbank.ba Deloitte d.o.o. 20. januar 2006. godine
INDEPENDENT AUDITORS’ REPORT To the Shareholders of Raiffeisen Bank d.d. Bosna i Hercegovina We have audited the accompanying unconsolidated balance sheets of Raiffeisen Bank d.d. Bosna i Hercegovina (the ‘Bank’) for the years ended 31 December 2005 and 2004 and the related unconsolidated statements of income, changes in shareholders’ equity and cash flows for the years then ended. These financial statements are the responsibility of the Bank’s management. Our responsibility is to express an opinion on these financial statements based on our audits. We conducted our audits in accordance with International Standards on Auditing. Those standards require that we plan and perform our audits to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and the significant estimates made by management as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion. In our opinion the financial statements present fairly, in all material respects, the unconsolidated financial position of Raiffeisen Bank d.d. Bosna i Hercegovina as of 31 December 2005 and 2004, and the unconsolidated results of its operations, cash flows, and changes in shareholders’ equity for the years then ended in accordance with International Financial Reporting Standards. Deloitte d.o.o. 20 January 2006 Financial statement www.raiffeisenbank.ba 85
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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
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Report by the President of the Supe
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Introduction by Chief Executive Off
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Macroeconomic Aggregates Macroecono
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Macroeconomic Aggregates Financial
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The RZB Group and Raiffeisen Intern
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Raiffeisen BANK d.d. Bosnia and Her
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Vision Raiffeisen BANK d.d. Bosnia
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Nadzorni odbor Supervisory Board Up
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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 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 69 and 70: www.raiffeisenbank.ba 67
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: Responsibility for Financial Report
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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Notes to the financial statements 3
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Bilansi uspjeha - Raiffeisen Bank

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