Annual Report - Raiffeisen Bank Kosovo JSC

Retail Banking
Retail Banking
Small and Medium Enterprises (SMEs)
Raiffeisen Bank Kosovo continued to be successful in the segment of the Small and Medium
Enterprises (SME). Thus, the Bank maintained its leading position in the SME local market segment.
By the end of 2006, the Bank had 9,434 SME customers, which marked an increase of 15%
compared to the previous year.
With regard to lending balances, the Bank increased its market share in the SME segment from 29%
to 35%. As of 31 December 2006, the Bank had 3,850 SME borrowers with total outstanding loans
of €125.5 million, which is 20% higher than at the end of the previous year.
SME Loans and Overdrafts
Amount in € million
140
120
100
80
60
40
20
Percentage of change
7%
6%
5%
4%
3%
2%
1%
-0%
-1%
0
Dec.03 Mar. 04 Jun.04 Sep.04 Dec.04 Mar.05 Jun.05 Sep.05 Dec.05 Mar.06 Jun.06 Sep.06 Dec.06
-2%
Amount in € million
Percentage of change
The SME deposits rose by 61% during 2006, to €34.6 million at the end of the year.
SME Deposits
Amount in € million
40
Percentage of change
40%
35
30
25
20
30%
20%
10%
15
10
5
0%
-10%
0
Dec.03 Mar. 04 Jun.04 Sep.04 Dec.04 Mar.05 Jun.05 Sep.05 Dec.05 Mar.06 Jun.06 Sep.06 Dec.06
Amount in € million
Percentage of change
-20%
Glossary Macroeconomic Environment Overview Segment Reports Financial Statements Addresses
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