Annual Report: - Gorenjska banka

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112 Gorenjska banka, d. d., Kranj Annual Report 2011 Financial Report In thousands of EUR 2011 2010 28. Other assets Items in the course of collection 4,058 4,208 Commissions 349 893 Other financial assets 797 927 5,204 6,028 Provisions for impairment (187) (262) 5,018 5,766 Movement in provisions for impairment is as follows: Balance at 1 January 2010 303 Additional provisions (Note 15) 84 Recovery of amounts previously provided for (Note 15 ) (125) Balance at 31 December 2010 262 Additional provisions (Note 15) 69 Recovery of amounts previously provided for (Note 15) (144) Balance at 31 December 2011 187 29. Trading liabilities Fair value of derivatives: Forwards (currency forwards) 12 - Options (equity options) - 3,033 12 3,033 The notional amounts of derivative financial instruments are disclosed in Note 40.b.
113 Gorenjska banka, d. d., Kranj Annual Report 2011 Financial Report In thousands of EUR 2011 2010 30. Due to banks and to customers Due to banks – Term deposits 1,974 - Due to customers Corporates and other entities 1,974 - – Current/settlement accounts 92,460 76,407 – Term deposits Individual clients 379,632 369,922 – Current/demand accounts 335,641 332,709 – Term deposits 417,142 397,666 1,224,874 1,176,704 Total 1,226,848 1,176,704 31. Debt securities in issue Bonds 30,307 30,302 30,307 30,302 In 2009 the Bank has issued a senior non subordinated bond (GB01) with maturity date 21 October 2014, with a coupon of 5.25%. The issue has amounted to 600 lots with face value of EUR 50 thousand. The bond issue is not listed. 32. Due to central banks and borrowings from banks Due to central banks 75,068 70,064 Borrowings from banks 254,869 306,597 Due to central banks and borrowings from banks 329,937 376,663 The amount of borrowings from banks is decreased by the amount of commission that is accounted for in accordance with effective interest rate principle. As of 31 December 2011 the accrued received commission amounted to EUR 247 thousand (2010: EUR 265 thousand). 33. Borrowings from other customers Borrowings from other customers 12,075 12,045 12,075 12,045 The amount of borrowings from other costumers is decreased by the amount of commission that is accounted for in accordance with effective interest rate principle. As of 31 December 20011 the accrued received commission amounted to EUR 16 thousand (2010: EUR 12 thousand). 34. Provisions Provisions for retirement indemnity bonuses 1,089 990 Provisions for jubilee benefits 134 110 Provisions for guarantees and commitments 413 808 Other provisions 645 645 2,281 2,553
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Annual Report: All that counts.
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Financial Report 51 Statement of ma
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6 Gorenjska banka, d. d., Kranj Ann
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Financial highlights International
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Statement of the President of the M
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Report of the Supervisory Board of
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Information regarding the adoption
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Management and Organizational Chart
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Business Network Gorenjska banka, d
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Knowledge. A veritable wealth of kn
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In 2011, the financial crisis again
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About the Gorenjska banka group Com
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About the associated company Skupna
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The Bank’s business policies by k
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Activities in the area of human res
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Securities portfolio management The
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Total comprehensive income, i.e. ne
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The Bank’s equity investment in t
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The figure below shows the structur
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Comprehensive savings products offe
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Social responsibility Sponsorships
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Data and explanations pursuant to A
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Other explanations Shareholders in
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50 Gorenjska banka, d. d., Kranj An
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Statement of management’s respons
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Statement of financial position The
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Cash flow statement The notes on pa
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2.1.1. Existing standards and inter
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Under this method, The Bank’s sha
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Page 64 and 65: 2.9. Fee and commission income Fees
Page 66 and 67: 2.13. Accounting for leases 2.13.1.
Page 68 and 69: 2.19. Financial guarantee contracts
Page 70 and 71: In 2011, the Bank applied a model f
Page 72 and 73: Back office and risk management sec
Page 74 and 75: 4.1.2. Maximum exposure to credit r
Page 76 and 77: The total impairment provision for
Page 78 and 79: c) Loans and receivables past due a
Page 80 and 81: Loans to individuals are impaired a
Page 82 and 83: 4.1.6. Debt securities The table be
Page 84 and 85: The Bank has a defined absolute lim
Page 86 and 87: (in thousand of EUR) Up to 1-3 3-12
Page 88 and 89: To control liquidity risk, accounti
Page 90 and 91: 4.3.2. Derivative financial liabili
Page 92 and 93: 4.4. Estimated fair value of financ
Page 94 and 95: 4.4.3.1. Assets and liabilities mea
Page 96 and 97: In order to measure the fair value
Page 98 and 99: The table below contains a summary
Page 100 and 101: 100 Gorenjska banka, d. d., Kranj A
Page 114 and 115: According to Slovenian legislation
Page 120 and 121: 40. - 48. Other notes 40. Off-balan
Page 124: 124 Gorenjska banka, d. d., Kranj A
Page 132: Gorenjska banka, d. d., Kranj Bleiw
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Annual Report: - Gorenjska banka

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