Annual Report 2012 - Raiffeisen Bank Kosovo JSC

Survey of key data
Raiffeisen Bank Kosovo J.S.C.
Monetary values are in € million 2012 2011 Change
Income statement 1/1 – 31/12 1/1 – 31/12
Net interest income after provisioning 32.6 32.5 0.4%
Net commission income 7.8 7.8 -0.3%
Trading profit 0.1 0.0 680.2%
Net valuation result financial instruments carried at FV (0.6) (0.5) 6.9%
Net valuation of equity investments 0.5 0.1 494.0%
Other operating income 0.1 0.2 -63.1%
General administrative expenses (26.4) (26.3) 0.3%
Profit before tax 14.2 13.8 2.9%
Profit after tax 12.6 12.4 1.9%
Earnings per share N/A N/A N/A
Balance sheet
Loans and advances to banks 46.1 85.9 -46.3%
Loans and advances to customers 401.1 402.1 -0.3%
Other loans 20.9 30.9 -32.5%
Deposits and borrowings from banks 4.2 12.7 -66.8%
Deposits from customers 513.9 557.3 -7.8%
Equity (including minorities and profit) 99.2 99.1 0.2%
Balance-sheet total 628.5 682.8 -7.9%
Local regulatory information*
Risk-weighted assets B1, including market risk 490.5 453.9 8.1%
Total own funds 67.1 92.2 -27.2%
Total own funds requirement 58.9 54.5 8.1%
Excess cover ratio 14.0% 69.2% -55.2 PP
Core capital ratio (Tier 1), banking book 12.7% 19.3% -6.6 PP
Core capital ratio (Tier 1), including market risk 12.7% 19.3% -6.6 PP
Own funds ratio 13.7% 20.3% -6.6 PP
Performance
Return on equity (ROE) before tax 15.8% 15.7% 0.1 PP
Return on equity (ROE) after tax 14.1% 14.1% -
Cost/income ratio 58.3% 57.3% 1 PP
Return on assets (ROA) before tax 2.2% 2.0% 0.2 PP
Net provisioning ratio
(average risk-weighted assets B2 in banking book) 1.1% 1.3% -0.2 PP
Risk/earnings ratio 12.7% 15.2% -2.5 PP
Resources
Number of staff 675 708 -4.7%
Business outlets 50 52 -3.8%
* Local regulatory information for 2012 was prepared in accordance with the Central Bank of Kosovo new banking regulations issued in 2012.