Annual Report - Raiffeisen Bank Kosovo JSC

Corporate Banking
Key Issues when
Choosing a Financial Partner in Kosovo
A combination of size, financial strength and wide ranging capability means we can provide
customers with the right solution whatever or wherever their business may be. We understand what is
important to our customers and are able to offer:
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Sound financial guidance supported by quick, proactive and responsive decision making;
A real focus on building long-term successful relationships;
A comprehensive product range with the flexibility to tailor individual solutions.
Raiffeisen Bank Kosovo offers the firepower of a large international bank with the personal service
ethos of a local bank.
Working together, we believe the possibilities are endless.
Treasury
Kosovo still remains undeveloped as far as treasury and debt management is concerned. The
undefined political status of Kosovo prevents the development of sophisticated tools for accessing local
and international funding. The income from the collection of customs duties remains the dominant
source of funding for the Kosovo budget; however collection of other taxes has improved.
The growth in the market loan book during 2006 was subdued, compared to previous years.
Nevertheless, the loan portfolio grew at a rate of about 36%, and Raiffeisen Bank managed to capture
50% of that growth. This slower growth rate, is reflected in a relatively constant loan to deposit ratio of
around 72%, at the end of 2006, which is comparable to the end of the previous year.
Among the main reasons for the low growth in deposits are: the low growth of Year-on-Year GDP, the
downturn in disposable income and the fall in foreign grants and investments.
Glossary Macroeconomic Environment Overview Segment Reports Financial Statements Addresses
www.raiffeisen-kosovo.com
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