Rapport da gestiun 2008 Banca Raiffeisen Disentis/Cadi
Rapport da gestiun 2008 Banca Raiffeisen Disentis/Cadi
Rapport da gestiun 2008 Banca Raiffeisen Disentis/Cadi
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Annexas<br />
Explicaziuns <strong>da</strong>vart l’activitad <strong>da</strong> fatschenta<br />
La <strong>Banca</strong> <strong>Raiffeisen</strong> <strong>Disentis</strong>/<strong>Cadi</strong> lavura sigl intschess <strong>da</strong>llas vischnauncas<br />
<strong>da</strong> Medel/Lucmagn, <strong>Disentis</strong>/Mustér, Sumvitg,<br />
Schlans e Trun. 14 collaboraturs, 6 <strong>da</strong> quels en pensum parzial, e<br />
treis emprendistas adempleschan ils survetschs ella sedia principala<br />
sco era en las 4 filialas. La sparta principala ei la fatschenta<br />
<strong>da</strong> tscheins. Quella contribuescha 91,2% (onn precedent<br />
89,5%) al recav brut. Las fatschentas <strong>da</strong> cumissiuns e <strong>da</strong> survetschs<br />
contribueschan circa 6,0% (onn precedent 6,0%) e la<br />
fatschenta commerciala 1,0% (onn precedent 1,7%) al recav<br />
ordinari. Las activitads principalas <strong>da</strong>llas differentas spartas <strong>da</strong><br />
fatschenta san ins caracterisar sco suon<strong>da</strong>:<br />
Fatschenta <strong>da</strong> tscheins<br />
La fatschenta <strong>da</strong> bilanza ei la fontauna principala <strong>da</strong> gudogn. Ils<br />
<strong>da</strong>ners <strong>da</strong> clients inclusiv las obligaziuns <strong>da</strong> cassa muntan a<br />
75,4% (onn precedent 74,4%) <strong>da</strong>lla summa <strong>da</strong> bilanza. Ils emprests<br />
ein per gron<strong>da</strong> part concedi cun garanzia hipotecara.<br />
Nus finanziein oravontut casas e habitaziuns. Al commerci concedin<br />
nus per ordinari credits mo encunter segirtads.<br />
Fatschenta <strong>da</strong> cumissiun e <strong>da</strong> survetschs<br />
La gron<strong>da</strong> part <strong>da</strong>lla fatschenta <strong>da</strong> cumissiun e <strong>da</strong> survetschs<br />
deriva dil traffic <strong>da</strong> pagaments e dil recav <strong>da</strong> cumissiuns che seresulta<br />
<strong>da</strong>lla fatschenta <strong>da</strong> vaglias e d’investiziuns.<br />
Ulteriurs secturs <strong>da</strong> fatschenta<br />
Nus prestein nossas activitads <strong>da</strong> fatschenta en nossas atgnas<br />
localitads a Curaglia, Mustér, Sumvitg e Trun, ed en localitads a<br />
tscheins a Surrein. Treis bancomats a Mustér, Sumvitg e Trun<br />
stattan a disposiziun als clients 24 uras per di.<br />
12 RAPPORT DA GESTIUN <strong>2008</strong> BANCA RAIFFEISEN DISENTIS/CADI