Bilansi uspjeha - Raiffeisen Bank

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Finansijski izvještaji Izvještaji o novčanim tokovima za godine koje su završile 31. decembra 2005. i 2004. (Svi iznosi izraženi su u hiljadama KM) Poslovne aktivnosti 90 www.raiffeisenbank.ba Bilješka 2005. 2004. Neto dobit 24,229 21,146 Usklađenje na neto novčana sredstva ostvarena poslovnim aktivnostima: Amortizacija 21 5,354 5,212 Rezervisanja 12 25,890 22,502 Neto prihod od prodaje kapitalnih ulaganja 9 (3,938) - Promjene na imovini i obavezama: Neto povećanje potraživanja od Centralne banke 15 (155,228) (124,892) Neto povećanje plasmana kod drugih banaka, prije rezervisanja 16 (69,426) (196,304) Neto povećanje kredita i potraživanja, prije rezervisanja 17 (294,384) (268,147) Neto smanjenje kupljenih kredita, prije rezervisanja 18 1,221 2,472 Neto povećanje ostale aktive, prije rezervisanja 20 (9,428) (1,115) Neto (smanjenje)/povećanje obaveza prema bankama 22 (33,730) 38,343 Neto povećanje oročenih i depozita po viđenju 24 230,681 380,247 Neto povećanje/(smanjenje) obaveza za obračunatu kamatu 25 1,211 (470) Neto povećanje ostalih obaveza 25 1,885 9,818 NETO NOVAC KORIŠTEN U POSLOVNIM AKTIVNOSTIMA (275,663) (111,188) Investicijske aktivnosti Neto povećanje ulaganja, prije rezervisanja za moguće gubitke 19 (741) (495) Neto nabavke materijalne i nematerijalne imovine 21 (12,935) (14,571) Prodaja kapitalnih ulaganja 9 7,462 - NETO NOVAC KORIŠTEN U INVESTICIJSKIM AKTIVNOSTIMA (6,214) (15,066) Finansijske aktivnosti Neto povećanje obaveza po kreditima 22 191.574 166.040 Neto povećanje subordiniranog duga 22 19.950 12.713 Uplata kapitala 16.000 24.000 Isplaćene dividende (4.538) (3.049) NETO NOVAC OSTVAREN U FINANSIJSKIM AKTIVNOSTIMA 222.986 199.704 NETO (SMANJENJE)/POVEĆANJE NOVCA I NOVČANIH EKVIVALENATA (58.891) 73.450 NOVAC I NOVČANI EKVIVALENTI 1. JANUARA 14 149.011 75.561 NOVAC I NOVČANI EKVIVALENTI 31. DECEMBRA 14 90.120 149.011 Napomene u nastavku čine sastavni dio ovih finansijskih izvještaja.
Statements of cash flows For the years ended 31 December 2005 and 2004 (all amounts are expressed in thousands of KM) Operating Activities Notes 2005 2004 Net Income 24,229 21,146 Adjustments to reconcile net income to net cash provided by operating activities: Depreciation and amortization 21 5,354 5,212 Impairment losses and provisions 12 25,890 22,502 Net income from sale of equity investments 9 (3,938) - Changes in operating assets and liabilities: Net increase in due from Central <strong>Bank</strong> 15 (155,228) (124,892) Net increase in placements with other banks, before impairment losses 16 (69,426) (196,304) Net increase in loans and receivables, before impairment losses 17 (294,384) (268,147) Net decrease in purchased loans, before impairment losses 18 1,221 2,472 Net increase in other assets, before impairment losses 20 (9,428) (1,115) Net (decrease)/increase in due to banks 22 (33,730) 38,343 Net increase in demand and term deposits 24 230,681 380,247 Net increase/(decrease) in accrued interest payable 25 1,211 (470) Net increase in other liabilities 25 1,885 9,818 NET CASH USED IN OPERATING ACTIVITIES (275,663) (111,188) Investing Activities Net increase in investments, before impairment losses 19 (741) (495) Net purchases of property and equipment 21 (12,935) (14,571) Proceeds from sale of equity investments 9 7,462 - NET CASH USED IN INVESTING ACTIVITIES (6,214) (15,066) Financing Activities Net proceeds from borrowings 22 191,574 166,040 Net proceeds from subordinated debt 22 19,950 12,713 Paid-in capital 16,000 24,000 Dividends paid (4,538) (3,049) NET CASH PROVIDED BY FINANCING ACTIVITIES 222,986 199,704 NET (DECREASE)/ INCREASE IN CASH AND CASH EQUIVALENTS (58,891) 73,450 CASH AND CASH EQUIVALENTS AT 1 JANUARY 14 149,011 75,561 CASH AND CASH EQUIVALENTS AT 31 DECEMBER 14 90,120 149,011 The accompanying notes form an integral part of these financial statements. Financial statement www.raiffeisenbank.ba 91
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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
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Retail Division Retail Savings Comp
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Cards Business Growth in issuing ca
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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
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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 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: Balance Sheets as at 31 December 20
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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