Annual Report 2012 - Raiffeisen Bank Kosovo JSC

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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.
Content Report of the Supervisory Board 4 Report of the Management Board 5 The Management Board of Raiffeisen Bank Kosovo 6 Organisational Structure 7 Vision and Mission 8 Raiffeisen Bank International at a glance 9 The Macroeconomic Environment in Kosovo 10 Raiffeisen Bank Kosovo - Overview 12 Treasury 17 Corporate Banking 18 Corporate Customers 18 Corporate Product Development 18 Small Enterprises 19 Retail Banking 20 Micro Enterprises 20 Private Individuals 20 Product Management and Development 20 Distribution Channels 21 Customer Service 21 Credit and Risk Management 22 Operations 22 Information and Computer Technology 24 Personnel Training and Management 24 Financial Statements 26 Raiffeisen Glossary 66 RBI Group in Europe 67 Addresses and Contacts 68
Page 1: Annual Report 2012
Page 5 and 6: Report of the Management Board 2012
Page 7 and 8: Raiffeisen Bank Kosovo Organisation
Page 9 and 10: Raiffeisen Bank International at a
Page 11 and 12: Output The yearly aggregated growth
Page 13 and 14: Similar to the decline in the growt
Page 15 and 16: The banking sector in Kosovo contin
Page 17 and 18: Treasury Kosovo money market and th
Page 19 and 20: Given the focus on delivering value
Page 21 and 22: During 2012, the Bank was focused o
Page 23 and 24: Trade Finance Raiffeisen Bank Kosov
Page 25 and 26: E-Learning proved popular during 20
Page 27 and 28: Statement of Management’s Respons
Page 29 and 30: Independent Auditors’ Report To t
Page 31 and 32: Separate statement of comprehensive
Page 33 and 34: Separate statement of cash flow (am
Page 35 and 36: A parent need not present consolida
Page 37 and 38: 3.3.5. Investments at fair value th
Page 39 and 40: characteristics (i.e., on the basis
Page 41 and 42: can be subject to provisioning. For
Page 43 and 44: a) Impairment charge for credit los
Page 45 and 46: Loans with renegotiated terms Loans
Page 47 and 48: 4.3 Liquidity risk Liquidity risk i
Page 49 and 50: Geographical risk The geographical
Page 51 and 52: In management’s opinion, the sens
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4.5 Operational risk The primary re
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6. Cash and cash equivalents and ma
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9. Other loans 2012 2011 Other loan
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15. Deposits and borowings from ban
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20. Other income 61 2012 2011 Incom
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24. Contigencies and commitments Le
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65 Addresses Glossary Financial Sta
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RBI Group in Europe 67 Addresses Gl
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Gjakova Branch Nena Tereza No. 328
Page 71 and 72:
Bosnia and Herzegovina Raiffeisen L
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Annual Report 2012 - Raiffeisen Bank Kosovo JSC

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