Annual Report 2008 - ProCredit Bank

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14 Annual Report 2008 Highlights in 2008 • The bank’s loan portfolio grew to over BAM 318.6 million (EUR 162.9 million) at yearend. At the same time, by offering simple and transparent saving products, we were able to increase the deposit base by 20% to BAM 335.6 million (EUR 171.6 million). This achievement brought the bank closer to its goal of being able to fund the entire loan portfolio through customer deposits. • ProCredit Bank opened seven offices across the country, bringing the total number of units to 44. We focused on opening offices in smaller cities to reach clients who had previously not had access to our entire range of services. • ProCredit Bank recruited 166 staff, bringing the total number of employees to 888. We assigned a high priority to training and professional development measures for employees at all levels, conducting seven induction courses and providing a total of 30 internal and external training measures for existing staff. • ProCredit Bank was chosen as one of the most desirable employers in 2008 by visitors to one of the country’s biggest Internet job search engines, Posao.ba. • The bank initiated a high-profile savings campaign in June to promote our range of easily accessible savings products to potential depositors. ProCredit Bank provides transparent, easy-to-understand interest rates and five deposit options designed to meet the needs of its broad customer base. • We continued implementing neighbourhood projects to help improve the quality of life in our local communities. ProCredit Bank built two children’s playgrounds, renovated classrooms in elementary schools, and planted trees in public areas, such as outside a children’s day care centre in Banja Luka.
Highlights in 2008 15 • Financial education activities were an important focus in 2008, and we held a total of 59 educational events at locations throughout the country. As part of these activities, ProCredit Bank launched its “Kids’ Corner” website, which provides information on money and banking in a form which children can easily understand. • ProCredit Bank launched a promotional campaign under the name “ProBiznis” which highlighted the ways in which small and medium enterprises can improve their performance using our services. The focus was on the advantages of having a reliable banking partner that offers loans on straightforward terms and conditions, including interest rates that are fixed for the entire maturity period.
Page 1 and 2: Annual Report 2008 Bosnia and Herze
Page 3 and 4: Contents 3 Mission Statement 4 Lett
Page 5 and 6: Letter from the Supervisory Board 5
Page 7 and 8: The Bank and its Shareholders 7 Com
Page 9 and 10: The ProCredit Group: Responsible Ba
Page 11 and 12: ProCredit in Eastern Europe 11 ProC
Page 13: ProCredit in Eastern Europe 13 Name
Page 17 and 18: Management Business Review 17 Polit
Page 19 and 20: Management Business Review 19 Busin
Page 21 and 22: Management Business Review 21 banks
Page 23 and 24: Management Business Review 23 The g
Page 25 and 26: Special Feature 25 the comments mad
Page 27 and 28: Risk Management 27 basis; we do not
Page 29 and 30: Risk Management 29 In light of the
Page 31 and 32: Branch Network 31 ProCredit Bank in
Page 33 and 34: Organisation, Staff and Staff Devel
Page 35 and 36: Business Ethics and Environmental S
Page 37 and 38: Our Clients 37 Enver Šuvalija, Ind
Page 39 and 40: Our Clients 39 Borivoje Glogovac, S
Page 41 and 42: Financial Statements 41
Page 43 and 44: Financial Statements 43 Income Stat
Page 45 and 46: Financial Statements 45 Statement o
Page 47 and 48: Financial Statements 47 Notes to th
Page 49 and 50: Financial Statements 49 The Bank co
Page 51 and 52: Financial Statements 51 2.19 Deposi
Page 53 and 54: Financial Statements 53 The interna
Page 55 and 56: Financial Statements 55 (e) Loans a
Page 57 and 58: Financial Statements 57 As at 31 De
Page 59 and 60: Financial Statements 59 3.6 Maturit
Page 61 and 62: Financial Statements 61 3.8. Capita
Page 63 and 64: Financial Statements 63 Loans and a
Page 65 and 66:
Financial Statements 65 Movement in
Page 67 and 68:
Financial Statements 67 Related par
Page 69 and 70:
Financial Statements 69
Page 71:
Contact Addresses 71 Ljubuški Kral
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Annual Report 2008 - ProCredit Bank

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