We build business networks and relationships ... - skupina kd group

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KD Holding Group Notes to Consolidated Financial Statements as at and for the year ended 31 December 2007 Universal life insurance contracts with DPF in 2006 (in EUR) Carrying amount No stated maturity Contractual cash flows (undiscounted) 0 - 5 years 5 - 10 years 10 - 15 years 15 - 20 years More than 20 years Debt securities 45,937,977 - 24,939,934 14,112,268 13,971,454 246,816 5,408,836 At fair value through P&L 3,151,911 - 2,113,371 1,096,624 814,588 - - Listed securities 2,017,409 - 1,103,834 722,846 810,166 - - - fixed interest rate 1,073,038 - 675,481 484,790 243,544 - - - floating interest rate 944,371 - 428,353 238,056 566,622 - - Government bonds 1,134,502 - 1,009,537 373,778 4,422 - - - fixed interest rate 1,134,502 - 1,009,537 373,778 4,422 - - Available for sale 35,806,301 - 16,179,308 11,405,751 13,032,769 246,816 5,408,836 Listed securities 4,124,329 - 2,659,663 2,121,080 320,543 48,557 - - fixed interest rate 3,708,572 - 2,537,975 1,712,405 320,543 48,557 - - floating interest rate 415,757 - 121,688 408,675 - - - Unlisted securities 310,495 - 60,000 311,996 - - - - fixed interest rate 310,495 - 60,000 311,996 - - - Government bonds 31,371,477 - 13,459,645 8,972,675 12,712,226 198,259 5,408,836 - fixed interest rate 31,371,477 - 13,459,645 8,972,675 12,712,226 198,259 5,408,836 Held to maturity 6,979,765 - 6,647,255 1,609,893 124,097 - - Listed securities 5,868,227 - 5,658,153 1,243,681 119,765 - - - fixed interest rate 5,659,185 - 5,476,386 1,180,207 116,125 - - - floating interest rate 209,042 - 181,767 63,474 3,640 - - Government bonds 1,111,538 - 989,102 366,212 4,332 - - - fixed interest rate 1,111,538 - 989,102 366,212 4,332 - - Equity securities 17,310,606 17,310,606 - - - - - At fair value through P&L 4,916,919 4,916,919 - - - - - Listed securities 4,916,919 4,916,919 - - - - - Available for sale 12,393,687 12,393,687 - - - - - Listed securities 12,207,104 12,207,104 - - - - - Unlisted securities 186,583 186,583 - - - - - Investment property 472,191 472,191 - - - - - Loans and receivables 3,659,240 - 3,659,240 - - - - Reinsurance assets 174,224 - 174,224 - - - - Cash and cash equivalents 1,103,591 1,103,591 - - - - - Total assets 68,657,829 18,886,388 28,773,398 14,112,268 13,971,454 246,816 5,408,836 259 Carrying No stated Expected cash flows (undiscounted) (in EUR) amount maturity 0 - 5 years 5 - 10 years 10 - 15 years 15 - 20 years More than 20 years Liabilities Insurance contracts with DPF 61,931,693 - 34,592,178 33,769,214 27,920,787 23,034,983 41,974,793 Total liabilities 61,931,693 - 34,592,178 33,769,214 27,920,787 23,034,983 41,974,793 Difference between contractual and expected cash flow 18,886,388 (5,818,780) (19,656,946) (13,949,333) (22,788,167) (36,565,957) Mean duration of assets Mean duration of liabilities 5.96 years 10.62 years
KD Holding Group Notes to Consolidated Financial Statements as at and for the year ended 31 December 2007 Financial life insurance contracts with DPF in 2007 (in EUR) Carrying amount No stated maturity Contractual cash flows (undiscounted) 0 - 5 years 5 - 10 years 10 - 15 years 15 - 20 years More than 20 years Debt securities 10,307,343 - 7,340,301 3,894,673 1,080,348 255,864 2,885,106 At fair value through P&L 408,989 - 119,181 492,614 - - - Listed securities 408,989 - 119,181 492,614 - - - - fixed interest rate 408,989 - 119,181 492,614 - - - Available for sale 9,898,354 - 7,221,120 3,402,059 1,080,348 255,864 2,885,106 Listed securities 1,345,454 - 1,864,478 976,102 253,378 45,859 - - fixed interest rate 1,345,454 - 1,864,478 976,102 253,378 45,859 - Government bonds 8,552,900 - 5,356,642 2,425,957 826,970 210,005 2,885,106 - fixed interest rate 8,552,900 - 5,356,642 2,425,957 826,970 210,005 2,885,106 Equity securities 2,657,885 2,657,885 - - - - - At fair value through P&L 370,524 370,524 - - - - - Listed securities 370,524 370,524 - - - - - Available for sale 2,287,361 2,287,361 - - - - - Listed securities 2,287,361 2,287,361 - - - - - Loans and receivables 296,580 - 296,580 - - - - Cash and cash equivalents 4,326 4,326 - - - - - Total assets 13,266,134 2,662,211 7,636,881 3,894,673 1,080,348 255,864 2,885,106 260 (in EUR) Carrying amount No stated maturity Expected cash flows (undiscounted) 0 - 5 years 5 - 10 years 10 - 15 years 15 - 20 years More than 20 years Liabilities Insurance contracts with DPF 12,381,669 - 6,253,603 7,181,699 385,825 3,095,406 5,403,150 Total liabilities - 6,253,603 7,181,699 385,825 3,095,406 5,403,150 Difference between contractual and expected cash flows - 2,662,211 1,383,278 (3,287,026) 694,523 (2,839,542) (2,518,044) Mean duration of assets Mean duration of liabilities 7.4 years 9.2 years
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“With extended pictures and image
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Contents Company profile Important
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Company profile Parent company: KD
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Sales of financial services Last ye
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When we gathered together at the fi
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Management Team 14 Janez Bojc, Depu
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16 Aljoša Tomaž, Assistant to the
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18 Matija Šenk, President of the M
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KD Holding Group key divisions Inve
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Companies in the KD Holding Group b
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24 Piran saltpans, Slovenia
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26 Ljubljanica River, Slovenia
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2005 Establishment of the first spe
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30 Key events in 2007 January The o
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November KD Investments in Slovenia
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34 Old city centre, Ljubljana, Slov
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1. Poslovno poročilo Skupine KD Ho
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1.1 Strategic orientations of the K
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Continuing along the same path in 2
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Share price movement There were 3,2
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Ownership structure The largest sha
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1.3 Corporate governance report Res
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Alojz Penko Alojz Penko was first a
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The members of the Management Board
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7. AUDITING AND THE SYSTEM OF INTER
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Highlights from the income statemen
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Sales revenue Sales revenue 8 amoun
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Operating expenses Operating expens
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Net profit by business segment in 2
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Financing Due to the high growth in
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1.5 Risk Management 64 The Manageme
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66 Parameters defining the insuranc
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68 Bratislava, Slovakia
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70 Croatian Istria - portrait
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1.6 Human resource management At th
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Employee educational structure More
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Number and educational structure of
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78 Kalemegdan - Belgrade, Serbia
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80 Belgrade, Serbia
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1.7 Corporate communications Intern
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1.8 Information support using the s
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to Fondpolica investment funds with
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88 Belgrade, Serbia
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cultural institutions and with indi
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The main focus at Adriatic Slovenic
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Corporate social responsibility in
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Kalemegdan - Belgrade, Serbia 97
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Slovenija - solinar Fisherman, isla
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Celica Hostel, Ljubljana, Slovenia
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2. Operations of the companies with
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107
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In asset management business, our i
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2. 1 Asset management The Group’s
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Challenges in 2008: Maintaining our
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Slovenia KD Investments, družba za
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KD Rastko - an equity mutual fund A
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second half of the year, prices beg
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The structure of the portfolio, com
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Croatia KD Investments d. o. o., Za
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KD Adria Bond, - a bond mutual fund
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Slovakia KD Investments, správ. sp
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Bratislava, Slovakia 127
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Romania SAI KD Investments Romania,
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KD Multifond - a fund of funds At t
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Bulgaria KD Investments EAD, Sofia
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KD Equity Bulgaria - an equity mutu
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Serbia KD Investments, a. d., Belgr
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Slovenia KD BPD, borznoposredniška
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We successfully responded to Sloven
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Bulgaria KD Securities EAD, Sofia N
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Our insurance activities embody the
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147
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Structure of insurance within KD Ho
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Structure of health insurance premi
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was above average in terms of reput
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In 2007 Adriatic Slovenica’s work
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Structure of KD Življenje premiums
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Romania KD Life Asigurari S. A., Bu
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Slovakia KD LIFE, Insurance company
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Eastern Orthodox priest, Macedonia
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Do you think it is possible to comb
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Operations in 2007 To increase sale
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Terazije, Belgrade, Serbia 169
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But we also build literally: we hav
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Investment strategy The amount inve
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Closed-end Investment fund BIG d. d
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Challenges in 2008: The company’s
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179
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Challenges in 2008: To obtain the r
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may choose between the following ma
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A selection of the most important a
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The company designed, developed and
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Sofia, Bulgaria 189
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KD Holding Group Consolidated Finan
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KD Holding Group Notes to Consolida
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