- Page 1 and 2: Mai mult decât cifre Raport Anual
- Page 3: CUPRINS MESAJUL COMITETULUI DIRECTO
- Page 7 and 8: RETEAUA INTERNATIONALA SLOVENIA CZE
- Page 9 and 10: CLIMATUL MACROECONOMIC 1. ROMANIA A
- Page 11 and 12: Formarea PIB dupa metoda cheltuieli
- Page 13 and 14: IN 2008, DEFICITUL FISCAL A CRESCUT
- Page 15 and 16: RATA SOMAJULUI A CRESCUT LA 4,4 % L
- Page 17 and 18: In plus, acest concept nou urmarest
- Page 19 and 20: Biroul pentru Clienti International
- Page 21 and 22: Veniturile lunare rezultate din pla
- Page 23 and 24: DIVIZIA CONTROL RISC In anul 2008 a
- Page 25: Situaţii Financiare Consolidate Vo
- Page 28 and 29: OPINIA In opinia noastra, situatiil
- Page 30 and 31: CONTUL DE PROFIT SI PIERDERE CONSOL
- Page 32 and 33: BILANTUL CONTABIL CONSOLIDAT LA 31
- Page 34 and 35: SITUATIA MODIFICARILOR CAPITALURILO
- Page 36 and 37: 36 In RON Nota 31 Decembrie, 2008 3
- Page 39 and 40: Note la situatiile financiare conso
- Page 41 and 42: 2. BAZELE INTOCMIRII 2.1 DECLARATIE
- Page 43 and 44: 3. METODE SI POLITICI CONTABILE SEM
- Page 45 and 46: Metoda de calcul include toate spez
- Page 47 and 48: 3.9 ACTIVE SI DATORII FINANCIARE 3.
- Page 49 and 50: 3.9.6. Evaluarea la valoarea justa
- Page 51 and 52: Datorita limitarilor inerente refer
- Page 53 and 54: 3.14. TITLURI DE VALOARE Titlurile
- Page 55 and 56:
3.18. ACTIVE UTILIZATE IN LEASING F
- Page 57 and 58:
3.24.2. Planuri de contributii dete
- Page 59 and 60:
) modifi carile ulterioare in conti
- Page 61 and 62:
3.26.16. IFRIC 15 „Contracte de c
- Page 63 and 64:
Expunerea cea mai mare a Grupului l
- Page 65 and 66:
La 31 decembrie 2008, totalul expun
- Page 67 and 68:
In RON Nota 31 Decembrie, 2008 Cred
- Page 69 and 70:
Credite si avansuri acordate client
- Page 71 and 72:
Grupul incearca sa metina o pozitie
- Page 73 and 74:
In tabelul de mai jos este detaliat
- Page 75 and 76:
Activele si datoriile monetare expr
- Page 77 and 78:
In RON Pana la 3 luni Intre 3 luni
- Page 79 and 80:
4.6. RISCUL DE PIATA Riscul de piat
- Page 81 and 82:
4.7. RISCUL AFERENT IMPOZITARII Inc
- Page 83 and 84:
4.10. GESTIONAREA CAPITALULUI Banca
- Page 85 and 86:
Conducerea foloseste estimari bazat
- Page 87 and 88:
6. CLASIFICARI CONTABILE LA VALOARE
- Page 89 and 90:
8. VENITURI NETE DIN SPEZE SI COMIS
- Page 91 and 92:
12. CHELTUIELI NETE CU PROVIZIONUL
- Page 93 and 94:
Instrumentele fi nanciare derivate
- Page 95 and 96:
Provizionul pentru deprecierea cred
- Page 97 and 98:
Miscarea titlurilor de valoare in a
- Page 99 and 100:
20. IMOBILIZARI NECORPORALE La 31 d
- Page 101 and 102:
22. ALTE ACTIVE In RON 31 decembrie
- Page 103 and 104:
25. IMPRUMUTURI DE LA BANCI SI ALTE
- Page 105 and 106:
28. CAPITALUL SOCIAL La data de 31
- Page 107 and 108:
30. TRANZACTII CU PARTI AFLATE IN R
- Page 109 and 110:
30.3. TRANZACTII CU ENTITATI IN CAR
- Page 111 and 112:
31. ANGAJAMENTE EXTRABILANTIERE, AC
- Page 113 and 114:
33. RECONCILIEREA CAPITALURILOR PRO
- Page 115 and 116:
115
- Page 117 and 118:
Reţeaua noastră Volksbank Români
- Page 119 and 120:
Bucureşti Mihai Bravu Şos. Mihai
- Page 121 and 122:
Cernavodă Str. Vasile Alecsandri n
- Page 123 and 124:
Râmnicu Vâlcea 2 Str. Calea lui T
- Page 125 and 126:
VOLKSBANK INTERNATIONAL AG IN EUROP
- Page 127 and 128:
More than just numbers Annual Repor
- Page 129 and 130:
CONTENTS THE MANAGING BOARD’S REP
- Page 131 and 132:
Along with obtaining good fi nancia
- Page 133 and 134:
INTERNATIONAL NETWORK SLOVENIA CZEC
- Page 135 and 136:
GENERAL BUSINESS ENVIRONMENT 1. ROM
- Page 137 and 138:
GDP by Expenditure Approach (y/y, %
- Page 139 and 140:
IN 2008, FISCAL DEFICIT ROSE TO 4.9
- Page 141 and 142:
UNEMPLOYMENT RATE SOARED TO 4.4 % A
- Page 143 and 144:
Furthermore, this new concept desir
- Page 145 and 146:
The performance of the Internationa
- Page 147 and 148:
Monthly income out of monetary mark
- Page 149 and 150:
RISK CONTROLLING In 2008, the Risk
- Page 151:
Consolidated Financial Statements V
- Page 154 and 155:
OPINION In our opinion, the accompa
- Page 156 and 157:
CONSOLIDATED INCOME STATEMENT FOR T
- Page 158 and 159:
CONSOLIDATED BALANCE SHEET FOR THE
- Page 160 and 161:
CONSOLIDATED STATEMENT OF CHANGES I
- Page 162 and 163:
36 In RON Note December 31, 2008 De
- Page 165 and 166:
Notes to the Consolidated Financial
- Page 167 and 168:
2. BASIS OF PREPARATION 2.1 COMPLIA
- Page 169 and 170:
3. SIGNIFICANT ACCOUNTING METHODS A
- Page 171 and 172:
The computation method includes all
- Page 173 and 174:
3.9 FINANCIAL ASSETS AND LIABILITIE
- Page 175 and 176:
interest rate method for the diff e
- Page 177 and 178:
Due to the inherent limitations as
- Page 179 and 180:
3.14. SECURITIES All securities suc
- Page 181 and 182:
3.18. ASSETS USED IN FINANCIAL LEAS
- Page 183 and 184:
3.24.2. Determined contributions pl
- Page 185 and 186:
) subsequent changes in the conting
- Page 187 and 188:
3.26.16. FRIC 15 Agreements for the
- Page 189 and 190:
The highest exposure of the Group t
- Page 191 and 192:
On December 31, 2008, the total of
- Page 193 and 194:
In RON Note December 31, 2008 Loans
- Page 195 and 196:
Depreciated loans and advances as g
- Page 197 and 198:
The Group tries to maintain a net p
- Page 199 and 200:
Within the table below there is the
- Page 201 and 202:
The monetary assets and liabilities
- Page 203 and 204:
In RON Below 3 months Between 3 and
- Page 205 and 206:
4.6. THE MARKET RISK The market ris
- Page 207 and 208:
4.7. TAXATION RELATED RISK As of Ja
- Page 209 and 210:
4.10. CAPITAL MANAGEMENT The Nation
- Page 211 and 212:
payment incidents on the part of th
- Page 213 and 214:
6. ACCOUNTING CLASSIFICATIONS AT FA
- Page 215 and 216:
8. NET FEE AND COMMISSIONS In RON D
- Page 217 and 218:
12. NET EXPENSES WITH THE PROVISION
- Page 219 and 220:
All derivative fi nancial instrumen
- Page 221 and 222:
The provision for the depreciation
- Page 223 and 224:
The movements of the securities can
- Page 225 and 226:
20. INTANGIBLE ASSETS On December 3
- Page 227 and 228:
22. OTHER ASSETS In RON December 31
- Page 229 and 230:
25. BORROWINGS FROM BANKS AND OTHER
- Page 231 and 232:
28. SHARE CAPITAL On the December 3
- Page 233 and 234:
30. TRANSACTIONS WITH PARTIES HAVIN
- Page 235 and 236:
30.3. TRANSACTIONS WITH THOSE ENTIT
- Page 237 and 238:
31. OFF - BALANCE COMMITMENTS, CONT
- Page 239 and 240:
33. RECONCILIATION OF THE OWN EQUIT
- Page 241 and 242:
115
- Page 243 and 244:
Our network Volksbank Romania S.A.
- Page 245 and 246:
Bucureşti Mihai Bravu Şos. Mihai
- Page 247 and 248:
Cernavodă Str. Vasile Alecsandri n
- Page 249 and 250:
Râmnicu Vâlcea 2 Str. Calea lui T
- Page 251 and 252:
VOLKSBANK INTERNATIONAL AG IN CENTR