Annual Report - Raiffeisen Bank Kosovo JSC
Annual Report - Raiffeisen Bank Kosovo JSC
Annual Report - Raiffeisen Bank Kosovo JSC
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Financial Statements <strong>Raiffeisen</strong> <strong>Bank</strong> <strong>Kosovo</strong> 2009<br />
Set out below is an analysis of financial assets which are neither past due nor impaired, based on<br />
customer rating:<br />
Rating 2009 2008<br />
0.5 - -<br />
1 - -<br />
1.5 165 80,732<br />
2 62,853 20,036<br />
2.5 13,493 29,572<br />
3 7,798 33,421<br />
3.5 15,380 18,311<br />
4 28,156 24,810<br />
4.5 5,634 955<br />
5 4 -<br />
Unrated 370 18<br />
Retail 145,393 164,105<br />
Total 279,246 371,960<br />
The aging analysis on both past due and impaired and past due but not impaired loans and<br />
overdrafts is as follows:<br />
Demand<br />
and less From 1 From 3 More<br />
than 1 to 3 to 12 than 12<br />
2009 month months months months Total<br />
Loans and advances to customers<br />
Past Due, but not impaired 7,888 5,708 19,625 34,954 68,175<br />
Loans and advances to customers<br />
past due and impaired 13,957 362 6,992 12,449 33,760<br />
Demand<br />
and less From 1 From 3 More<br />
than 1 to 3 to 12 than 12<br />
2008 month months months months Total<br />
Loans and advances to customers<br />
Past Due, but not impaired 3,137 342 3,026 27,348 33,853<br />
Loans and advances to customers<br />
past due and impaired 4,785 394 2,027 14,081 21,287<br />
62 www.raiffeisen-kosovo.com Introduction Management Board Organisational Structure Vision and Mission RZB and RI
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