Annual Report - Raiffeisen Bank Kosovo JSC

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Retail Banking Mobile Bankers Network In addition to branches, which continued to function as the basic tool of Distribution Channels, Raiffeisen Bank developed and introduced a Mobile Bankers network as a new channel. The Mobile Bankers Network was implemented during July 2006, with the aim of providing convenient and diverse services to our customers. Customers do not have to visit the Bank’s offices in order to have a professional consultation on the Bank’s retail services or products. Mobile Bankers are available to: • provide customers with free of charge consultation at any place and time which is convenient to them • help customers prepare the necessary documents in order to apply for the Bank service or products • deliver the customer’s documents to the Bank office instead of the customer having to go there. Raiffeisen Direct / Call Centre Raiffeisen Direct/Call Centre continued to play a crucial role in providing various information on the Bank’s products and services. The Bank’s customers can also obtain information about their bank accounts. In March 2006, Raiffeisen Direct launched a new service for “pre–defined transactions” that enables customers to make transfers over the phone. During 2006, Raiffeisen Direct has extended its operations to a 24 hours a day, seven days a week service. Raiffeisen Direct can be contacted on 038 222 222. The Call Centre initiated the phone centralisation project, which enables connection of the Raiffeisen Bank branches through use of extension number (VoIP solution). The project was implemented in the main branches and some sub-branches and in 2007 it is planned to connect the remaining subbranches. Operations Payment transactions There was a significant growth achieved in payments during 2006. The number of international payments in 2006 was 57,954 which marked an increase of 30% in comparison to 2005. The value of international payments totalled €927,431 million or 32% more than in 2005. Local payments grew by 78% or 131,630 payments with a total value of €956,010 million or 74% more than in 2005. 30 www.raiffeisen-kosovo.com Supervisory Board Management Board Organisational Structure Vision and Mission RZB and RI .
Retail Banking Local In/Out Tranfers (amounts) Millions 600.00 Local In/Out Transfers (number) Thousands 100 500.00 80 400.00 60 300.00 40 200.00 20 100.00 0 2004 2005 2006 0.00 2004 2005 2006 Incoming Transfers (number) Outgoing Transfers (number) Incoming Transfers (amounts) Outgoing Transfers (amounts) The application of the E-banking service had an impact in the growth of payments. The number of payments processed was 4,439 with a value of €16,422 million. The significant growth of payments during each month is illustrated bellow. 800.00 700.00 600.00 500.00 400.00 300.00 200.00 100.00 - Jan Feb Mar April May Jun July Aug Sep Oct Nov Dec Intrabank Payment Domestic payment International payment Glossary Macroeconomic Environment Overview Segment Reports Financial Statements Addresses www.raiffeisen-kosovo.com 31
Page 1 and 2: Annual Report 2006
Page 3 and 4: Table of Contents Contents Introduc
Page 5 and 6: Introduction Introduction by the Ch
Page 7 and 8: Organisational Structure Organisati
Page 9 and 10: The RZB Group and Raiffeisen Intern
Page 11 and 12: Raiffeisen-Glossary Raiffeisen-Glos
Page 13 and 14: The Macroeconomic Environment The M
Page 15 and 16: The Macroeconomic Environment Trade
Page 17 and 18: Raiffeisen Bank Kosovo - Overview R
Page 19 and 20: Raiffeisen Bank Kosovo - Overview T
Page 21 and 22: Corporate Banking Corporate Banking
Page 23 and 24: Corporate Banking Key Issues when C
Page 25 and 26: Corporate Banking Liquidity and Int
Page 27 and 28: Retail Banking Retail Banking Small
Page 29 and 30: Retail Banking PI Loans and Overdra
Page 31: Retail Banking Risk and Credit Mana
Page 35 and 36: Retail Banking Personnel Training a
Page 37 and 38: Financial Statements Financial Stat
Page 39 and 40: Financial Statements Independent Au
Page 41 and 42: Financial Statements Income Stateme
Page 43 and 44: Financial Statements Statements of
Page 45 and 46: Financial Statements is dependent o
Page 47 and 48: Financial Statements The provision
Page 49 and 50: Financial Statements The income tax
Page 51 and 52: Financial Statements 5. Cash and Ca
Page 53 and 54: Financial Statements 107,953 thousa
Page 55 and 56: Financial Statements As at 31 Decem
Page 57 and 58: Financial Statements 12. Other Liab
Page 59 and 60: Financial Statements 16. Other Inco
Page 61 and 62: Financial Statements Differences be
Page 63 and 64: Financial Statements Assets Currenc
Page 65 and 66: Financial Statements Overdue assets
Page 67 and 68: Financial Statements The table belo
Page 69 and 70: Financial Statements The total outs
Page 71 and 72: Financial Statements The remunerati
Page 73 and 74: Addresses and Contacts Skenderaj Su
Page 75 and 76: Addresses and Contacts Leasing Aust
Page 77 and 78: Addresses and Contacts Russia Moska

Annual Report - Raiffeisen Bank Kosovo JSC

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