Annual Report - Raiffeisen Bank Kosovo JSC

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Financial Statements Raiffeisen Bank Kosovo 2009 Economic sector risk concentrations within the customer loan portfolio are as follows: 2009 2008 Amount % Amount % Trade 151,380 40% 163,280 38% Manufacturing, chemical and processing 60,503 16% 33,012 8% Service 9,396 2% 17,279 4% Construction and construction servicing 26,477 7% 22,872 5% Food industry and agriculture 4,464 1% 2,528 1% Individuals 123,135 32% 183,528 43% Other 5,826 2% 4,602 1% Total loans and advances to customers before provision for loan impairment 381,181 100% 427,101 100% 9. Investment Securities 2009 2008 Available for sale equity investments 345 206 Held to maturity investments (Government Bonds) 33,373 - Total investment securities 33,718 206 10. Investment in a subsidiary 2009 2008 Investment in Raiffeisen Leasing Kosovo 268 450 Total Investments in subsidiaries 268 450 11. Other Assets 2009 2008 Prepayments and advances for services 3,538 1,963 Fees receivables 8 - Other receivables 857 3,425 Total other assets 4,403 5,388 76 www.raiffeisen-kosovo.com Introduction Management Board Organisational Structure Vision and Mission RZB and RI
Raiffeisen Bank Kosovo 2009 Financial Statements 12. Leashold Improvements, Equipment And Intangible Assets Cost as at 31 December ATM, other Leasehold bank and office Computer Intangible improvements equipment hardware assets Total 2007 2,185 4,062 2,219 3,218 11,684 Additions 870 1,779 925 1,069 4,643 Disposals (37) (292) (1) (7) (337) 2008 3,018 5,549 3,143 4,280 15,990 Additions 385 1,384 1,587 1,467 4,823 Disposals (56) (149) (214) - (419) 2009 3,347 6,784 4,516 5,747 20,394 Accumulated depreciation and amortisation at 31 December 2007 867 1,779 1,446 2,089 6,181 Depreciation/amortisation charge for the year (Note 21) 533 798 627 509 2,467 Eliminated on disposals (28) (271) (2) (3) (304) 2008 1,372 2,306 2,071 2,595 8,344 Depreciation/amortisation charge for the year (Note 21) 623 1,071 515 748 2,957 Eliminated on disposals (43) (113) (212) - (368) 2009 1,952 3,264 2,374 3,343 10,933 Net book value at 31 December 2009 1,395 3,520 2,142 2,404 9,461 2008 1,646 3,243 1,072 1,685 7,646 13. Deposits From Costumers 2009 2008 Corporate Customers Current accounts 68,734 28,428 Savings accounts 1,425 958 Term deposits and margin accounts 65,499 96,976 135,658 126,362 Retail Customers Current accounts 122,738 110,931 Savings accounts 120,183 84,122 Term deposits and margin accounts 169,236 173,772 412,157 368,825 Total customer accounts 547,815 495,187 Glosary Macroeconomic Environment Overview Segment Reports Financial Statements Addresses www.raiffeisen-kosovo.com 77
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Annual Report 2009
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Raiffeisen Bank Kosovo 2009 Content
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Raiffeisen Bank Kosovo 2009 Introdu
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Raiffeisen Bank Kosovo 2009 The Man
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Raiffeisen Bank Kosovo 2009 Vision
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Raiffeisen Bank Kosovo 2009 RZB and
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Raiffeisen Bank Kosovo 2009 Glossar
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Raiffeisen Bank Kosovo 2009 The Mac
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Raiffeisen Bank Kosovo 2009 The Mac
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Raiffeisen Bank Kosovo 2009 Raiffei
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Raiffeisen Bank Kosovo 2009 Raiffei
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Raiffeisen Bank Kosovo 2009 Segment
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Annual Report - Raiffeisen Bank Kosovo JSC

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