Annual Report 2012 - Raiffeisen Bank Kosovo JSC

15. Deposits and borowings from banks
2012 2011
Borrowings
Supranational institutions and development banks 3,728 12,663
Deposits
Other commercial banks – non OECD Countries 485 21
Total deposits and borrowings from banks 4,213 12,684
In the borrowings amount as at 31 December 2012 is included an accrued interest amount of € 37 thousand (31
December 2011: € 82 thousand).
Maturity of the loans from supranational institutions and development banks are from the shortest maturing in 2013 to
longest maturing in 2016.
16. Other liabilities
2012 2011
Clearing deposits from payment transfer business 1,393 6,154
Negative fair value financial derivative instruments 2,881 2,363
Deferred income 1,398 1,502
Accrued staff costs 1,074 844
Payables 894 822
Accrued operating expenses 577 437
Interest Rate SWAP payable 560 341
Provision for losses on commitments and contingent liabilities (see below) 263 161
Tax payable 129 147
Liabilities on leased assets 45 104
Other 316 35
Total other liabilities 9,530 12,910
Clearing deposits from payment transfer business comprise bank’s suspense accounts which result in debit balance in
amount of € 1,393 thousand as at 31 December 2012 (31 December 2011: € 6,154 thousand). Clearing deposits
comprise clearing accounts for debit and credit cards, payments and other items. Deferred income as at December 31,
2012 represents the amount of loan deferred fees.
Details of related party balances are presented under Note 25.
Movements in the provision for losses on commitments and contingent liabilities are as follows:
2012 2011
Provision for losses on commitments and contingent liabilities at the beginning of the year 161 141
Provision / (release of provision) for losses on commitments and contingent liabilities 221 20
Provision for losses on commitments and contingent liabilities at the end of the year 263 161
Following is the breakdown of the provision as at 31 December 2012:
2012 2011
Provision for contingent liabilities 99 -
Provision for legal cases 164 161
Total Provision 263 161
59
Addresses Glossary Financial Statements Segment Reports Overview Macroeconomic Environment RBI Vision and Mission Management Board Introduction