Raport anual 2008 - Volksbank AG

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CONDUCEREA BANCII CONSILIUL DE SUPRAVEGHERE Presedinte: Ralf Weingartner, Volksbank International AG, Viena Vicepresedinte: Gerhard Wöber, Volksbank International AG, Viena Membri: Thomas Capka, Volksbank International AG, Viena Jorg Poglits, Volksbank International AG, Viena DIRECTORAT Gerald Schreiner - Presedinte Herwig Burgstaller - Vicepresedinte Simona Fătu - Vicepresedinte Valentin Vancea - Vicepresedinte 8
CLIMATUL MACROECONOMIC 1. ROMANIA A AVUT O CRESTERE ECONOMICA PESTE NIVELUL POTENTIAL IN PRIMELE 3 TRIMESTRE ALE ANULUI 2008, DAR S-A CONFRUNTAT CU O INCETINIRE BRUSCA IN TRIMESTRUL IV In 2008, economia Romaniei a crescut peste nivelul potential in primele trei trimestre, dar a incetinit brusc in ultimul trimestru al anului, datorita crizei fi nanciare globale care a afectat sever tara noastra. Pe primul trimestru al anului 2008, PIB-ul real a crescut cu 8,2 % an/an, in principal datorita constructiilor (+32,5 % an/an) si comertului intern (+11 % an/an) . In urmatoarele 2 trimestre, PIB-ul real a avut cresteri anuale de peste 9 % ( +9,3 % an/an in semestrul II si +9,2 % an/an in semestrul III) datorita cresterilor semnifi cative din constructii, agricultura si comert intern. In perioada octombrie-decembrie s-a produs o incetinire semnifi cativa a activitatii economice, PIB-ul crescand in termini reali doar cu 2,9 % an/an, pe fondul scaderii activitatii din industrie (-7,7 % an/an) si servicii fi nanciare ( -1,5 % an/an), in conditiile in care criza de lichiditati globala a redus substantial fl uxurile fi nanciare catre Romania. Utilizand metoda cheltuielilor, cresterea modesta a PIB-ului in trimestrul patru 2008 se explica in special datorita scaderii consumului fi nal cu 2,8 % fata de aceeasi perioada a anului precedent, datorita unei schimbari radicale in comportamentul gospodariilor. Gospodariile si-au redus consumul cu 3,7 % an/an, pe fondul inrautatirii asteptarilor in conditiile crizei fi nanciare internationale. Doar consumul adiministratiei publice a consemnat o crestere de 4,8 % an/an datorita cresterii cheltuielilor autoritatilor statului in contextul alegerilor. Formarea bruta de capital fi x si-a redus rata de crestere de la 24,3 % an/an in trimestrul III al anului 2008 si 28 % an/an in trimestrul IV al anului 2007 la 2,8 % an/an in ultimul trimestru al anului 2008, aratand faptul ca resursele fi nanciare se pot dimininua in urmatoarele trimestre. Criza fi nanciara si deprecierea monedei nationale au avut un eff ect pozitiv in evolutia exporturilor nete, importurile scazand cu 10,2 % an/an pentru prima data dupa 1990 in timp ce exporturile au crescut cu 1,6 % an/an. Evolutiile slabe din economie in trimestrul IV, au generat o cresterea a PIB-ului per total in 2008 de 7,1 %, valoarea nominala a acestuia fi iind de 503,96 miliarde lei ( 136,85 miliarde euro). In anul 2008, cele mai dinamice sectoare sectoare ale economiei au fost: constructiile (+ 26,1 % an/an) si agricultura ( +21,4 % an/an). Industria a fost sectorul cel mai afectat de criza fi nanciara globala, inregistrand o crestere modesta de 1,3 % an/an in 2008 fata de 5,1 % an/an in 2007, datorita scaderii cererii de produse industriale atat pe piata interna cat si pe cea externa. Seviciile inca au avut o evolutie pozitiva, in special cele legate de comert, care au crescut cu 6,6 % an/an, in timp ce sectorul fi nanciar a avut o crestere modesta de 3,6 % an/an datorita reducerii lichiditatilor si existentei unor riscuri mai mari. In 2008, consumul fi nal a crescut cu 8 % in termeni reali, incetinindu-si ritmul de crestere de la 13,7 % in primele trei trimestre datorita scaderii consumului gospodariilor. 9
Page 1 and 2: Mai mult decât cifre Raport Anual
Page 3 and 4: CUPRINS MESAJUL COMITETULUI DIRECTO
Page 5 and 6: Pe langa obtinerea unor bune rezult
Page 7: RETEAUA INTERNATIONALA SLOVENIA CZE
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
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3.26.16. IFRIC 15 „Contracte de c
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Expunerea cea mai mare a Grupului l
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La 31 decembrie 2008, totalul expun
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In RON Nota 31 Decembrie, 2008 Cred
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Credite si avansuri acordate client
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Grupul incearca sa metina o pozitie
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In tabelul de mai jos este detaliat
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Activele si datoriile monetare expr
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In RON Pana la 3 luni Intre 3 luni
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4.6. RISCUL DE PIATA Riscul de piat
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4.7. RISCUL AFERENT IMPOZITARII Inc
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4.10. GESTIONAREA CAPITALULUI Banca
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Conducerea foloseste estimari bazat
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6. CLASIFICARI CONTABILE LA VALOARE
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8. VENITURI NETE DIN SPEZE SI COMIS
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12. CHELTUIELI NETE CU PROVIZIONUL
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Instrumentele fi nanciare derivate
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Provizionul pentru deprecierea cred
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Miscarea titlurilor de valoare in a
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20. IMOBILIZARI NECORPORALE La 31 d
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22. ALTE ACTIVE In RON 31 decembrie
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25. IMPRUMUTURI DE LA BANCI SI ALTE
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28. CAPITALUL SOCIAL La data de 31
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30. TRANZACTII CU PARTI AFLATE IN R
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30.3. TRANZACTII CU ENTITATI IN CAR
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31. ANGAJAMENTE EXTRABILANTIERE, AC
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33. RECONCILIEREA CAPITALURILOR PRO
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115
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Reţeaua noastră Volksbank Români
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Bucureşti Mihai Bravu Şos. Mihai
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Cernavodă Str. Vasile Alecsandri n
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Râmnicu Vâlcea 2 Str. Calea lui T
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VOLKSBANK INTERNATIONAL AG IN EUROP
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More than just numbers Annual Repor
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CONTENTS THE MANAGING BOARD’S REP
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Along with obtaining good fi nancia
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INTERNATIONAL NETWORK SLOVENIA CZEC
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GENERAL BUSINESS ENVIRONMENT 1. ROM
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GDP by Expenditure Approach (y/y, %
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IN 2008, FISCAL DEFICIT ROSE TO 4.9
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UNEMPLOYMENT RATE SOARED TO 4.4 % A
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Furthermore, this new concept desir
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The performance of the Internationa
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Monthly income out of monetary mark
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RISK CONTROLLING In 2008, the Risk
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Consolidated Financial Statements V
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OPINION In our opinion, the accompa
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CONSOLIDATED INCOME STATEMENT FOR T
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CONSOLIDATED BALANCE SHEET FOR THE
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CONSOLIDATED STATEMENT OF CHANGES I
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36 In RON Note December 31, 2008 De
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Notes to the Consolidated Financial
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2. BASIS OF PREPARATION 2.1 COMPLIA
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3. SIGNIFICANT ACCOUNTING METHODS A
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The computation method includes all
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3.9 FINANCIAL ASSETS AND LIABILITIE
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interest rate method for the diff e
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Due to the inherent limitations as
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3.14. SECURITIES All securities suc
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3.18. ASSETS USED IN FINANCIAL LEAS
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3.24.2. Determined contributions pl
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) subsequent changes in the conting
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3.26.16. FRIC 15 Agreements for the
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The highest exposure of the Group t
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On December 31, 2008, the total of
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In RON Note December 31, 2008 Loans
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Depreciated loans and advances as g
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The Group tries to maintain a net p
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Within the table below there is the
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The monetary assets and liabilities
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In RON Below 3 months Between 3 and
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4.6. THE MARKET RISK The market ris
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4.7. TAXATION RELATED RISK As of Ja
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4.10. CAPITAL MANAGEMENT The Nation
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payment incidents on the part of th
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6. ACCOUNTING CLASSIFICATIONS AT FA
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8. NET FEE AND COMMISSIONS In RON D
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12. NET EXPENSES WITH THE PROVISION
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All derivative fi nancial instrumen
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The provision for the depreciation
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The movements of the securities can
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20. INTANGIBLE ASSETS On December 3
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22. OTHER ASSETS In RON December 31
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25. BORROWINGS FROM BANKS AND OTHER
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28. SHARE CAPITAL On the December 3
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30. TRANSACTIONS WITH PARTIES HAVIN
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30.3. TRANSACTIONS WITH THOSE ENTIT
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31. OFF - BALANCE COMMITMENTS, CONT
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33. RECONCILIATION OF THE OWN EQUIT
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115
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Our network Volksbank Romania S.A.
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Bucureşti Mihai Bravu Şos. Mihai
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Cernavodă Str. Vasile Alecsandri n
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Râmnicu Vâlcea 2 Str. Calea lui T
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VOLKSBANK INTERNATIONAL AG IN CENTR
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