Letno poroÄilo 2007 - UniCredit Banka Slovenija dd

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IntroductionPreface by the Chairman of theSupervisory BoardRe-branding fromBank AustriaCreditanstalt toUniCredit Bank wasstrongly supportedby employees andcustomers as shownby preliminary resultsof the attained brandawareness study.To our shareholders:We have left behind a successful year.Thanks to you as well.Despite demanding market conditionsand several internal changes, 2007 hasbeen a successful year for UniCreditBanka Slovenija d.d. We are pleased toreport that, despite the challenges wefaced, the Bank has achieved a 40%increase in post-tax profits in the euro’sinaugural year and it has reaped positiveresults from the re-branding in Slovenia.Such results lead us to two importantconclusions:First, UniCredit Banka Slovenija d.d. hada year of excellent performance despitethe introduction of the euro and the lossof arbitrage business.Second, re-branding from Bank AustriaCreditanstalt to UniCredit Bank wasstrongly supported by employees andcustomers as shown by preliminaryresults of the attained brand awarenessstudy.The new brand is supported by thelargest international banking networkin Central and Eastern Europe and it isdestined for success.UniCredit Group’s network currentlycomprises 3,700 branches and outlets,where more than 76,000 employeesserve approximately 27 millioncustomers.The major challenge ahead of us is tomaximize the opportunities of Europe’sleading player in financial services andto unlock the full growth potential in thelocal market. It is our belief that this canbe achieved only if and when UniCreditBanka Slovenija d.d. extends its valueproposition beyond the successfulcorporate and investment banking.Hence, we have adopted a bold businessplan, where retail banking is the coreof our focus. According to the plan, theBank’s retail network should double by2010 and give us the opportunity togrow in that segment.Let me also highlight that a bank is notonly steered by figures, benchmarksand projects, but to a large degreeby values. By discussing the IntegrityCharter, which contains the sharedvalues forming the foundation of ourGroup’s identity, we put strong emphasison values. Also, we believe that theIntegrity Charter has to be the foundationfor cooperation with all our majorstakeholders.Finally, I would like to conclude byexpressing gratitude to the managementand the employees of UniCredit BankaSlovenija d.d. for their commitment,hard work and excellent results in102 2007 Annual Report · UniCredit Bank
2007, performed under difficult marketconditions. We hope that this is justthe beginning of a long-lasting successstory.Federico GhizzoniChairman of the Supervisory BoardUniCredit Banka Slovenija d.d.UniCredit Bank · 2007 Annual Report 103
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Izkušnja umetnostiLeto 2007 je bil
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Predstavitev bankeNagovor predsedni
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Predstavitev bankePredstavitev UniC
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12 2007 Letno poroËilo · UniCredi
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Predstavitev bankeDosežki in dogod
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Poslovno poroËiloGospodarsko okolj
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Poslovno poroËiloPoslanstvo, vizij
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UniCredit Bank · 2007 Letno poroË
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10080Prihodki5% 6%27% 30%tega posla
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evrov) banka beleži tekoËe davke
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Poslovanje bankena razliËnih segme
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Pozitivni rezultati v letu 2007 so
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krizo v ZDA, je enota trgovanja v l
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Visoka stopnjaohranjanja strank9070
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Obvladovanje poslovnih tveganjFinan
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Indeks rasti števila uporabnikov /
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Družbena odgovornostV UniCredit Ba
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okolju in pri delovnih nalogah. Sre
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kar vodi v hud konkurenËni boj, v
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PoroËilo nadzornega svetaPoroËilo
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PoroËilo neodvisnega revizorjaPoro
Page 53 and 54: FinanËni kazalniki2007 2006 2005Bi
Page 55 and 56: Izkaz poslovnega izidaZap.πtev.Vse
Page 57 and 58: Izkaz finanËnega izidaOznaka Vsebi
Page 59 and 60: Primerjalni zneskiZaradi zagotavlja
Page 61 and 62: ) Posojila in terjatvePosojila in t
Page 63 and 64: neopredmetenih dolgoroËnih sredste
Page 65 and 66: Odložene terjatve za davek so znes
Page 67 and 68: Dolžniški vrednostni papirjiEUR 1
Page 69 and 70: Neto izvedeni finanËni instrumenti
Page 71 and 72: Pojasnilo 8:Opredmetena osnovna sre
Page 73 and 74: Pojasnilo 11:Druga sredstvaEUR 1.00
Page 75 and 76: 2006EUR 1.000Zapravnonerešenetožb
Page 77 and 78: Pojasnila k izkazu poslovnega izida
Page 79 and 80: Pojasnilo 25:»isti dobiËki/izgube
Page 81 and 82: Pojasnilo 30:Oslabitve finanËnih s
Page 83 and 84: GarancijeEUR 1.000 2007 2006Stanje
Page 85 and 86: Izkaz poslovnega izidaEUR 1.000 200
Page 87 and 88: UniCredit Banka Slovenija d.d. pren
Page 89 and 90: Basel II prviË vzpostavlja odnos m
Page 91 and 92: BilanËne postavke v razliËnih val
Page 93 and 94: Bilanca stanja po zapadlosti na dan
Page 95 and 96: Kreditno zavarovanjeZ namenom zmanj
Page 97 and 98: pozicije tveganja, ki presegajo dop
Page 99 and 100: Obseg izvedenih finanËnih instrume
Page 101 and 102: Regulatorni kapital in stopnja kapi
Page 103: The art experience2007 was a format
Page 107 and 108: While analyzing the balance sheet,
Page 109 and 110: We proved that ourBank carries a tr
Page 111 and 112: Governing BodiesSupervisory BoardNa
Page 113 and 114: Branch NetworkBRANCH LJUBLJANA BTC
Page 115: September 2007Interactive Web Site
Page 118 and 119: Business ReportEconomic Environment
Page 120 and 121: Business ReportMission, Vision and
Page 122 and 123: Business ReportFinancial ResultsIn
Page 124 and 125: Business ReportFinancial ResultsSta
Page 126 and 127: Business ReportFinancial ResultsLia
Page 128 and 129: Business ReportBank’s Segment Per
Page 136 and 137: Business ReportManaging Business Ri
Page 138 and 139: Business ReportManaging Business Ri
Page 140 and 141: Business ReportSocial Responsibilit
Page 142 and 143: Business ReportSocial Responsibilit
Page 145 and 146: Report from the Supervisory BoardRe
Page 147: Statement of ResponsibilityStatemen
Page 150 and 151: Accounting ReportAccounting ReportF
Page 152 and 153: Accounting ReportBalance SheetPosit
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Accounting ReportStatement of Chang
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Accounting ReportSummary of Account
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Accounting ReportNotes on the Finan
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Risk ReportRisk ReportOverall Risk
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Risk ReportRisk ReportUniCredit Ban
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Risk ReportRisk ReportBalance sheet
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Risk ReportRisk ReportLiquidity Ris
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Risk ReportRisk ReportCredit RiskCr
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Risk ReportRisk ReportOperational R
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Risk ReportRisk ReportTotal volume
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Risk ReportRisk ReportFair Value of
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Graphic development and Composition
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