Letno poroÄilo 2007 - UniCredit Banka Slovenija dd

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Business ReportManaging Business RisksIndex of growthin number of payment transactions160%153,37140%120%126,25114,79136,70100%100,00100,0080%60%40%20%02005 20062007Domestic payment transactionsForeign payment transactionshardware and software equipment. Accessis granted by standard procedures andon the basis of attributed rights with aunique user name and password. Thesecurity and safeguarding system coverspaper documents, data in electronic form,communications, all hardware and softwareequipment.General system and other types of controlinclude physical and/or logical control.Physical control comprises physicalprotection of the building, video surveillanceon all key points, entry to business premiseswith inductive cards and alarm protection.Logical control is implemented in terms ofapplied software. Password policy lays downrules for strong and secure passwords.The Bank has a back-up IT centre, ensuringhigh availability of all critical data andservers. Servers at the back-up location areeither physically duplicated or virtualised.All communication lines to branches andexternal institutions are doubled. Also,communication with the public network isdoubled using different internet providers.Firewalls on primary and backup locationenable several protected areas, external andinternal segments are additionally protectedby routers. Additionally the Bank takes careof data protection, so that we make regularly(daily, weekly, monthly) data and systembackups on tapes, which are then storedoff-site, in a secure location.In the framework of the Business ContinuityManagement project, we have preparedbusiness continuity plans (includingalternative and recovery procedures) forbusiness critical functions, based on riskanalysis and business impact analysis.The software development policy determinesthe manner of ordering software (newrequirements or modifications), testing inseparate test environment and ‘go-live’procedure.We are aware that technology is changingand moving forward. Therefore, we areregularly monitoring development in thisfield at home and abroad as UniCredit Groupis focused on security.136 2007 Annual Report · UniCredit Bank
Social ResponsibilityAt UniCredit Banka Slovenija d.d. we areaware that the strive to increase profit mustbe accompanied by corporate responsibilitytowards the economic and socialenvironment. These days, corporate successand stability depend upon different interestgroups, so development of knowledge,innovation and a wider social responsibilityare the key to success in these areas.UniCredit Group has strong, universalcorporate values, stated in the IntegrityCharter and representing a foundation ofstrengthening corporate social responsibilityand managing long-term relationships. Thegoal of the UniCredit Group is to becomethe leading financial institution in corporatesocial responsibility by 2010. This projectis of great importance to UniCredit Group,as it is essential for the Bank to create trustin the public eye locally as well as at thegroup level to fortify it with its actions andto communicate it to the public too.The key task of the Bank’s corporatecommunications which is based on two-waycommunication and supports the plannedstrategy, vision and goals of the Bank ismaintaining good relationships with itsaudience, including employees, clients,suppliers, investors and the communitieswhere we conduct business. Creating addedvalue and socially responsible behaviourare the most important all-around goalsinvolving corporate communications.Transparency, professionalism, respect andtrust are the values we follow dutifully to thisoutcome.power, energy and knowledge that contributeto achieving the Bank’s long-term goalsand satisfaction of customers and peers.Therefore, we pay careful attention to theirpersonal development. Employees are alsoambassadors of what is going on in thecompany so the relationship with them isthoughtfully planned and measured. Wedevote a great deal of importance to internalcommunications and keep employeesinformed about important activities anddirections of the Bank.Employee communicationThe main focus of internal communicationin 2007 was connected with a momentousevent for the Bank, when the Bank with itsowners identified with the new name aswell. Communications started last springwith the publication of an internal newsletterdevoted to the topic of re-branding followedby a letter from the management. In August2007, the Bank organized an all-staff socialevent at Krvavec, where, in an informalsetting, we introduced them to the Bank’snew corporate image and logo. Membersof the Board described the meaning ofthe new name and of the entire bankinggroup. The new corporate ad campaignalso premiered there. Staff response tothe event was extremely positive and, nodoubt, contributed significantly to theoverall success of such an important anddemanding project as re-branding.460Growth of number of employeesWe kept our employees informed throughoutthe year about the Bank’s projects byusing different communication channelssuch as letters from management, internalnewsletters, personal letters, e-mails,personal presentations and meetings.When projects demanding high personalinput from employees were completedsuccessfully, key employees receivedpersonal acknowledgement from theBank’s management. By doing this, weemphasized their role during the project, weacknowledged their exceeded expectationsand we contributed to their motivation to domore successful work in the future.Growth in number of employeesand hiringAt the beginning of 2007, UniCredit BankaSlovenija d.d. had 419 employees. By theend of the year, that number had grown to450 employees. These figures include, onaverage, 33 students and contract workers.The growth in number of employees in 2007was 7 %, or 31 new co-workers, whoseaverage age was 29. The average age of allemployees is currently 36.5 years; 62 % ofthe staff employed by the Bank are womenwhile 38 % are men; the gender ratio wasunchanged from 2006.The Bank’s goals and strategy for new hiresin 2008 are: to attract appropriate candidatesfor new business units; to train the450.10 452,10Relations withEmployees440420400380360340336.10 337.10392.10419.00At UniCredit Banka Slovenija d.d. we areaware that our employees are the source of3201. 1. 2004 1. 1. 2005 1. 1. 2006 1. 1. 2007 31. 12. 2007 1.1 2008UniCredit Bank · 2007 Annual Report 137
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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
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FinanËni kazalniki2007 2006 2005Bi
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Izkaz poslovnega izidaZap.πtev.Vse
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Izkaz finanËnega izidaOznaka Vsebi
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Primerjalni zneskiZaradi zagotavlja
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) Posojila in terjatvePosojila in t
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neopredmetenih dolgoroËnih sredste
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Odložene terjatve za davek so znes
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Dolžniški vrednostni papirjiEUR 1
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Neto izvedeni finanËni instrumenti
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Pojasnilo 8:Opredmetena osnovna sre
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Pojasnilo 11:Druga sredstvaEUR 1.00
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2006EUR 1.000Zapravnonerešenetožb
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Pojasnila k izkazu poslovnega izida
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Pojasnilo 25:»isti dobiËki/izgube
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Pojasnilo 30:Oslabitve finanËnih s
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GarancijeEUR 1.000 2007 2006Stanje
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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 and 104: The art experience2007 was a format
Page 105 and 106: 2007, performed under difficult mar
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 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
Page 154 and 155: Accounting ReportStatement of Chang
Page 156 and 157: Accounting ReportSummary of Account
Page 164 and 165: Accounting ReportNotes on the Finan
Page 184 and 185: Risk ReportRisk ReportOverall Risk
Page 186 and 187: 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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