Raport vjetor - Raiffeisen Bank Kosovo JSC

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Survey of key data Raiffeisen Bak Kosovo JSC 2007 2006 Change Monetary values are in €mn Income Statement 1/1 – 31/12 1/1 – 31/12 Net interest income after provisioning 30.6 22.9 34.0% Net commission income 5.4 4.0 34.5% Trading profit 1.1 0.8 36.2% General administrative expenses (18.9) (14.5) 30.3% Profit before tax 18.3 13.3 38.2% Profit after tax 14.7 10.8 36.0% Consolidated profit (without minorities) 14.7 10.8 36.5% Earnings per share N/a N/a N/a Balance Sheet 31/12 31/12 Loans and advances to banks 85.4 108.1 -21.0% Loans and advances to customers 341.8 229.5 48.9% Deposits from banks 15.8 13.8 14.6% Deposits from customers 395.8 310.0 27.7% Equity (incl. minorities and profit) 58.9 44.2 33.3% Balance-sheet total 477.0 376.4 26.7% Regulatory information Risk-weighted assets, incl. market risk 361.0 253.3 42.5% Total own funds 44.2 33.4 32.4% Total own funds requirement 28.9 20.3 42.5% Excess cover ratio 53.2% 64.8% 17.9% Core capital ratio (Tier 1), banking book 12.3% 13.0% -5.5% Core capital ratio (Tier 1), incl. market risk 12.3% 12.8% -4.4% Own funds ratio 16.0% 12.8% 24.5% Performance Return on equity (ROE) before tax 41.5% 39.7% 4.4% Return on equity (ROE) after tax 33.2% 32.3% 2.7% Consolidated return on equity (without minorities) 33.2% 36.8% -9.7% Cost/income ratio 43.3% 46.3% -6.4% Return on assets (ROA) before tax 3.8% 3.5% 9.1% “Net provisioning ratio (average risk-weighted assets in banking book)” 3.3% 3.0% 9.5% Risk/earnings ratio 14.4% 13.8% 4.6% Resources Number of staff (FTE) 556 440 26.4% Business outlets 37 32 15.6%
Raiffeisen Bank në Kosovë 2007 Përmbajtja Përmbajtja Prezantim i shkurtër nga Kryetari i Bordit Mbikqyrës 2 Prezantim i shkurtër nga Kryetari i Bordit Menaxhues 3 Bordi Menaxhues i Raiffeisen Bank në Kosovë 4 Struktura organizative e Raiffeisen Bank në Kosovë 5 Vizioni dhe Misioni i Raiffeisen Bank në Kosovë 6 Raiffeisen International dhe Grupi RZB 7 Shpjegim i termave 9 Ekonomia në Kosovë 11 Raiffeisen Bank në Kosovë - Përmbledhje e rezultateve 15 Korporatat 21 Thesari 23 Bizneset e vogla dhe mikrobizneset 27 Bizneset e vogla 27 Mikrobizneset 28 Individët 29 Kartela 29 Menaxhimi dhe zhvillimi i produkteve 29 Menaxhimi i kredive dhe riskut 30 Shërbimet për klientë 30 Rrjeti i distribuimit 31 Operacionet 33 Çështjet organizative dhe proceset bankare 36 Trajnimi dhe menaxhimi i punonjësve 37 Pasqyrat Financiare 39 Adresat dhe kontaktet 76 Grupi RZB në Europë 82 www.raiffeisen-kosovo.com
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Raport vjetor - Raiffeisen Bank Kosovo JSC

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