Annual Report - VÃB banka

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Basic Indicators Basic Indicators in Sk million Individual IFRS Consolidated IFRS 2007 2006 2005 2007 2006 2005 Balance sheet Loans and advances to customers 119,931 89,169 83,250 130,020 92,522 85,738 Deposits from customers 205,137 179,084 163,170 205,278 178,856 162,944 Equity 21,900 21,211 21,168 22,006 20,749 20,719 Total assets 275,140 238,231 224,925 284,567 240,977 226,802 Income statement Restated Restated Restated Operating income 10,981 9,955 10,811 12,895 11,712 11,693 Operating expenses (5,812) (5,517) (6,237) (6,808) (6,400) (6,947) Operating profi t before impairment and provisions 5,169 4,438 4,574 6,087 5,312 4,746 Profi t from operations 4,537 4,805 4,429 5,208 4,872 4,371 Net profi t for the year 3,500 3,758 3,993 4,067 3,747 3,696 Commercial indocators 2007 2006 ATMs 516 483 EFT POS terminals 5,364 7,413 Payments cards 1,147 805 1,145 097 Credit cards 307 376 290 325 EDC clients 1,034 046 991 233 Mortgage loans (in Sk bln.) 41,8 29,0 Consumer loans (in Sk bln) 12,3 9,3 Number of employees (VUB group) 3 837 4 004 Number of branches 238 235 11 Rating (status as at 21 march 2007) Moody’s Long-term deposits A1 Short-term deposits P-1 Financial strength C- VUB, a bank of Intesa Sanpaolo group
Consolidated financial statements for the year ended 31 December 2007 prepared in accordance with International Financial Reporting Standards 12 Annual Report 2007
Page 2 and 3: Contents Address by the Chairman of
Page 4 and 5: a socially useful construction, fur
Page 6 and 7: y 16%, assets under management of o
Page 8 and 9: Development of the External Environ
Page 10 and 11: VUB’s 2007 Commercial Performance
Page 14 and 15: Consolidated balance sheet at 31 De
Page 16 and 17: Consolidated statement of changes i
Page 18 and 19: Notes to the consolidated financial
Page 20 and 21: The assets and liabilities arising
Page 22 and 23: the fair value of the assets given,
Page 24 and 25: The fair value of securities held f
Page 26 and 27: Embedded derivatives The VUB Group
Page 28 and 29: 3.16 Intangible assets Intangible a
Page 30 and 31: 3.22 Legal reserve fund In accordan
Page 32 and 33: 3.30 Future changes in accounting p
Page 34 and 35: 7. Financial assets held for tradin
Page 36 and 37: 10. Loans and advances to customers
Page 38 and 39: Maturities of gross fi nance lease
Page 40 and 41: 13. Investments in associates and j
Page 42 and 43: The goodwill is reviewed for impair
Page 44 and 45: 17. Current income tax assets 2007
Page 46 and 47: 24. Other liabilities 2007 2006 Var
Page 48 and 49: (a) Issued guarantees Commitments f
Page 50 and 51: 31. Salaries and employee benefits
Page 52 and 53: 35. Profit before changes in operat
Page 54 and 55: 37. Financial risk management Intro
Page 56 and 57: The following table describes the G
Page 58 and 59: (b) Market risk Market risk is the
Page 60 and 61: The re-pricing structure of assets
Page 62 and 63:
(c) Liquidity risk Liquidity risk i
Page 64 and 65:
The Intesa Sanpaolo Group’s inter
Page 66 and 67:
39. Related parties Related parties
Page 68 and 69:
Balance sheet at 31 December 2007 (
Page 70 and 71:
Statement of changes in equity for
Page 72 and 73:
Notes to the separate financial sta
Page 74 and 75:
2.5 Foreign operations The fi nanci
Page 76 and 77:
2.10 Repurchase and reverse repurch
Page 78 and 79:
2.12 Offsetting financial instrumen
Page 80 and 81:
2.18 Leasing The determination of w
Page 82 and 83:
2.28 Significant accounting judgeme
Page 84 and 85:
3. Cash and cash equivalents For th
Page 86 and 87:
2007 2006 2007 2006 Assets Assets L
Page 88 and 89:
During 2007, the Bank wrote off loa
Page 90 and 91:
12. Subsidiaries, associates and jo
Page 92 and 93:
15. Current income tax assets 2007
Page 94 and 95:
22. Other liabilities 2007 2006 Var
Page 96 and 97:
(a) Issued guarantees Commitments f
Page 98 and 99:
30. Other operating expenses 2007 2
Page 100 and 101:
34. Estimated fair value of certain
Page 102 and 103:
35. Financial risk management Intro
Page 104 and 105:
The following table describes the B
Page 106 and 107:
(b) Market risk Market risk is the
Page 108 and 109:
The re-pricing structure of assets
Page 110 and 111:
(c) Liquidity risk Liquidity risk i
Page 112 and 113:
The Intesa Sanpaolo Bank’s intern
Page 114 and 115:
37. Related parties Related parties
Page 116 and 117:
Review of the Economic and Financia
Page 118 and 119:
List of VUB Branches Retail Busines
Page 120 and 121:
Postal Code Address Tel. No. Fax Re
Page 122 and 123:
Postal Code Address Tel. No. Fax Re
Page 124 and 125:
Corporate Branches Firemné obchodn
Page 126 and 127:
Structure of VUB Shareholders as at
Page 128 and 129:
VUB, a bank of Intesa Sanpaolo grou
Page 130 and 131:
Vladimíra Josefiová - Member of M
Page 132 and 133:
ticipate in all meetings of the Man
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