Annual Report 2012 - Raiffeisen Bank Kosovo JSC

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17. Share capital
Authorised and registered share capital of the Bank comprises 100 shares of common stock. During 2012, the
share capital amount remained unchanged at € 58 thousand. The structure of the share capital of the Bank as at 31
December 2012 and 2011 is as follows:
2012 2011
Number Amount in Number Amount in
of thousands Voting of thousands Voting
Shareholder shares EUR share shares EUR share
Raiffeisen SEE Region Holding GmbH. 100 58,000 100% 100 58,000 100%
All shares have equal rights to dividends and carry equal voting rights.
18. Interest income and expense
2012 2011
Interest income
Loans and advances to customers 45,631 47,486
Loans and advances to banks 91 1,159
Other loans – funded participations 586 482
Financial investments 1,297 1,017
Total interest income 47,605 50,144
Interest expense
Deposits from customers (8,675) (9,870)
Deposits from banks (707) (1,263)
Derivative financial instruments (non-trading) (789) (551)
Other interest expense (94) (150)
Total interest expense (10,265) (11,834)
Net interest income 37,340 38,310
19. Fee and commission income and expense
2012 2011
Payments transfer business 8,025 8,161
Loan administration and guarantee business 1,200 967
Foreign currency business 1,543 1,749
Agency services for third party products 91 86
Other banking services 22 3
Total fee and commission income 10,881 10,966
Payment transfer business (2,627) (2,751)
Agency services for own products - -
Other banking services (457) (398)
Total fee and commission expense (3,084) (3,149)
Net fee and commission income 7,797 7,817