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 Non-life insurance contracts without health insurance contracts in 2006 (in EUR) Carrying amount No stated maturity Contractual cash flows (undiscounted) 0-1 year 1-2 years 2-3 years 3-4 years 4-5 years More than 5 years Debt securities 80,999,091 - 7,023,719 5,800,652 5,670,667 6,696,536 11,576,203 73,495,104 At fair value through P&L 11,262,606 - 927,354 843,625 595,752 681,703 1,704,818 10,388,815 Listed securities 1,980,967 - 425,332 229,622 171,328 179,666 187,221 1,500,276 - fixed interest rate 1,980,967 - 425,332 229,622 171,328 179,666 187,221 1,500,276 Government bonds 9,281,639 - 502,022 614,003 424,424 502,037 1,517,597 8,888,539 - fixed interest rate 9,281,639 - 502,022 614,003 424,424 502,037 1,517,597 8,888,539 Available for sale 69,736,485 - 6,096,365 4,957,027 5,074,915 6,014,833 9,871,385 63,106,289 Listed securities 23,296,429 - 3,607,492 1,916,289 2,968,462 3,525,890 2,377,544 18,929,835 - fixed interest rate 23,296,429 - 3,607,492 1,916,289 2,968,462 3,525,890 2,377,544 18,929,835 Unlisted securities 382,954 - 14,800 14,800 14,800 14,800 14,800 371,825 - fixed interest rate 382,954 - 14,800 14,800 14,800 14,800 14,800 371,825 Government bonds 46,057,102 - 2,474,073 3,025,938 2,091,653 2,474,143 7,479,041 43,804,629 - fixed interest rate 46,057,102 - 2,474,073 3,025,938 2,091,653 2,474,143 7,479,041 43,804,629 Equity securities 49,364,789 49,364,789 - - - - - - At fair value through P&L 10,816,980 10,816,980 - - - - - - Listed securities 10,816,980 10,816,980 - - - - - - Available for sale 38,547,809 38,547,809 - - - - - - Listed securities 37,849,917 37,849,917 - - - - - - Unlisted securities 697,892 697,892 - - - - - - Investment property 5,441,566 5,441,566 - - - - - - Loans and receivables 51,765,180 - 51,383,691 348,513 32,566 - 14 396 Reinsurance assets 8,457,373 - 5,042,984 984,780 670,770 461,751 405,983 891,105 Cash and cash equivalents 979,124 979,124 - - - - - - Total assets 197,007,123 55,785,479 63,450,394 7,133,945 6,374,003 7,158,287 11,982,200 74,386,605 265 Carrying No stated Expected cash flows (undiscounted) (in EUR) amount maturity 0-1 year 1-2 years 2-3 years 3-4 years 4-5 years More than 5 years Liabilities Debt securities (issued) 4,017,217 - 262,080 290,496 290,496 4,297,152 - - Insurance contracts 160,213,336 - 107,879,828 15,922,896 10,398,777 6,983,887 5,366,221 13,661,727 Total liabilities 164,230,553 - 108,141,908 16,213,392 10,689,273 11,281,039 5,366,221 13,661,727 Difference between contractual and expected cash flo - 55,785,479 (44,691,514) (9,079,447) (4,315,270) (4,122,752) 6,615,979 60,724,878 Mean duration of assets Mean duration of liabilities 5.2 years 1.4 years
KD Holding Group Notes to Consolidated Financial Statements as at and for the year ended 31 December 2007 Health insurance contracts in 2007 (in EUR) Carrying amount No stated maturity Contractual cash flows (undiscounted) 0-1 year 1-2 years 2-3 years 3-4 years 4-5 years More than 5 years 266 Debt securities 4,173,591 - 215,510 205,200 205,200 839,500 171,106 4,023,364 At fair value through P&L 1,673,222 - 104,105 93,795 93,795 93,795 93,795 1,982,095 Listed securities 1,516,746 - 88,397 88,397 88,397 88,397 88,397 1,826,872 - fixed interest rate 1,516,746 - 88,397 88,397 88,397 88,397 88,397 1,826,872 Unlisted securities 69,014 - 1,050 1,050 1,050 1,050 1,050 75,250 - fixed interest rate 69,014 - 1,050 1,050 1,050 1,050 1,050 75,250 Government bonds 87,462 - 14,658 4,348 4,348 4,348 4,348 79,973 - fixed interest rate 87,462 - 14,658 4,348 4,348 4,348 4,348 79,973 Available for sale 2,500,369 - 111,405 111,405 111,405 745,705 77,311 2,041,269 Listed securities 348,566 - 14,460 14,460 14,460 14,460 14,460 391,818 - fixed interest rate 348,566 - 14,460 14,460 14,460 14,460 14,460 391,818 Government bonds 2,151,803 - 96,945 96,945 96,945 731,245 62,851 1,649,451 - fixed interest rate 2,151,803 - 96,945 96,945 96,945 731,245 62,851 1,649,451 Equity securities 18,219,095 18,219,095 - - - - - - At fair value through P&L 2,917,422 2,917,422 - - - - - - Listed securities 2,917,422 2,917,422 - - - - - - Available for sale 15,301,673 15,301,673 - - - - - - Listed securities 14,203,547 14,203,547 - - - - - - Unlisted securities 1,098,126 1,098,126 - - - - - - Loans and receivables 17,750,847 - 17,750,847 - - - - - Cash and cash equivalents 313,987 313,987 - - - - - - Total assets 40,457,520 18,533,082 17,966,357 205,200 205,200 839,500 171,106 4,023,364 (in EUR) Liabilities Carrying amount No stated maturity Expected cash flows (undiscounted) 0-1 year 1-2 years 2-3 years 3-4 years 4-5 years More than 5 years Insurance contracts 15,861,968 - 15,665,039 - - - - 196,930 Total liabilities 15,861,968 - 15,665,039 - - - - 196,930 Difference between contractual and expected cash flo - 18,533,082 2,301,318 205,200 205,200 839,500 171,106 3,826,434 Mean duration of assets Mean duration of liabilities 3.3 years 0.6 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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