Annual Report: - Gorenjska banka

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Financial highlights International rating of Gorenjska banka, d. d., Kranj - Fitch Ratings Long-term Credit Rating BB Support 3 Viability bb Short-term Credit Rating B 8 Gorenjska banka, d. d., Kranj Annual Report 2011 Management Report
9 Gorenjska banka, d. d., Kranj Annual Report 2011 Management Report 2011 2010 2009 STATEMENT OF FINANCIAL POSITION, as at 31 December (in thousands of EUR) Total assets 1,947,403 1,980,801 1,937,579 Total deposits from the non-banking sector: 1,236,949 1,188,749 1,068,768 - corporates and other entities 484,167 458,374 366,616 - individual clients 752,783 730,375 702,153 Total amount of loans to the non-banking sector: 1,245,376 1,282,116 1,182,655 - corporates and other entities 1,126,851 1,171,986 1,088,099 - individual clients 118,525 110,130 94,556 Total equity 337,026 366,846 373,114 Impairment of financial assets at amortised cost and provisions 115,917 104,990 102,433 Total off-balance sheet operations 175,292 432,416 312,909 INCOME STATEMENT (in thousands of EUR): Net interest income 52,687 66,041 58,150 Net non-interest income 41,109 12,175 31,857 Labour costs, general and administrative costs 25,795 26,019 25,595 Depreciation 2,131 2,107 2,665 Impairment and provisioning 64,200 23,989 20,683 Profit before income tax 1,672 26,101 41,063 Corporate income tax (8) 5,009 7,224 NUMBER OF EMPLOYEES, as at 31 December 422 423 413 SHARES: Number of shareholders 477 477 284 Number of shares 331,416 331,416 331,416 Number of shares, less treasury shares Nominal share value or an amount belonging to non-par share 305,701 305,701 305,667 in registered capital (in EUR) 42 42 42 Book value per non-par share (in EUR) 1,102 1,200 1,221 RATIOS (in %): Capital: - Capital adequacy (according to the Bank of Slovenia) Assets quality: - Impairment of financial assets at amortised cost and 15.14 13.88 14.29 provisions / on-balance and off-balance sheet items classified Profitability: 7.94 6.56 6.80 - Interest margin (net interest income to total assets) - Financial mediation margin (net interest income and 2.69 3.31 3.08 net non-interest income to total assets) 4.79 3.92 4.76 - Return on assets – before tax 0.09 1.31 2.17 - Return on equity – before tax 0.49 7.08 11.42 - Return on equity – after tax Operational costs: 0.49 5.72 9.41 - Operational costs / average assets Liquidity: 1.43 1.41 1.49 - Liquid assets / sight deposits 3.40 2.90 3.15 - Liquid assets / average assets 1.56 1.37 1.66
Page 1 and 2: Annual Report: All that counts.
Page 3: Financial Report 51 Statement of ma
Page 6 and 7: 6 Gorenjska banka, d. d., Kranj Ann
Page 10 and 11: Statement of the President of the M
Page 12 and 13: Report of the Supervisory Board of
Page 14 and 15: Information regarding the adoption
Page 16 and 17: Management and Organizational Chart
Page 18 and 19: Business Network Gorenjska banka, d
Page 21 and 22: Knowledge. A veritable wealth of kn
Page 23 and 24: In 2011, the financial crisis again
Page 25 and 26: About the Gorenjska banka group Com
Page 27 and 28: About the associated company Skupna
Page 29 and 30: The Bank’s business policies by k
Page 31 and 32: Activities in the area of human res
Page 33 and 34: Securities portfolio management The
Page 35 and 36: Total comprehensive income, i.e. ne
Page 37 and 38: The Bank’s equity investment in t
Page 39 and 40: The figure below shows the structur
Page 41 and 42: Comprehensive savings products offe
Page 43 and 44: Social responsibility Sponsorships
Page 45 and 46: Data and explanations pursuant to A
Page 47: Other explanations Shareholders in
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Page 52 and 53: Statement of management’s respons
Page 54 and 55: Statement of financial position The
Page 56 and 57: 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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2.4.1.4. Available for sale financi
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2.9. Fee and commission income Fees
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2.13. Accounting for leases 2.13.1.
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2.19. Financial guarantee contracts
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In 2011, the Bank applied a model f
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Back office and risk management sec
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4.1.2. Maximum exposure to credit r
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The total impairment provision for
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c) Loans and receivables past due a
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Loans to individuals are impaired a
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4.1.6. Debt securities The table be
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The Bank has a defined absolute lim
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(in thousand of EUR) Up to 1-3 3-12
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To control liquidity risk, accounti
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4.3.2. Derivative financial liabili
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4.4. Estimated fair value of financ
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4.4.3.1. Assets and liabilities mea
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In order to measure the fair value
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The table below contains a summary
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100 Gorenjska banka, d. d., Kranj A
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According to Slovenian legislation
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40. - 48. Other notes 40. Off-balan
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Gorenjska banka, d. d., Kranj Bleiw
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Annual Report: - Gorenjska banka

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