Revizorski izvjestaj 2006 (pdf) - Montenegro berza

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14 14 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 1997 MONTENEGRO CRNA GORA MONTENEGRO CRNA GORA MONTENEGRO CRNA GORA MONTENEGRO CRNA GORA MONTENEGRO
• support to business development and private entrepreneurs’ initiatives as basis for new employments; • lessen the burden on economy by applying tax rate of 15% on physical persons’ income • decreasing the number of the unemployed by around 5000 persons; • diminish business barriers and grey economy; • over EUR 400 mil. of new investments; • reducing poverty and increasing the living standard and quality of life of citizens through the growth and development based on private sector and its creative potentials; • encouraging orientation towards export and competitiveness of Montenegrin economy; Such Montenegro was visited in 2006 by Hungarian OTP that in December became the owner of Crnogorska Komercijalna Banka – the bank which has undoubtedly played an important role in the creation and improvement of the financial market of Montenegro. CKB is more than just a bank because during the last ten important years of economic reforms in Montenegro it followed all rises and falls of the economy and grew into the institution that made Montenegro a part of the developed world. On the market where there are around 650,000 people, CKB is the leading bank with more than 40 % market share, with over 230.000 clients, developed network of branches and sophisticated offer of products and services for companies and citizens. Exactly there lies the future of the bank and its strategy for the time to come – rich offer, safe transactions and clear vision with the best Montenegrin staff of different professions. uz strane direktne investicije, dodatno mijenjati privredu zemlje narednih godina. Osnovni zadaci i efekti ekonomske politike Vlade Republike Crne Gore za narednu, 2007. godinu, a koji su u direktnoj vezi sa povećanjem životnog standarda stanovništva, su: • podrška razvoju biznisa i privatne preduzetničke inicijative kao osnove za novo zapošljavanje; • smanjenje opterećenja privrede primjenom stope poreza na dohodak fizičkih lica od 15,0% smanjenje broja nezaposlenih; • smanjivanje biznis barijera i sive ekonomije; • preko 400 mil. € novih investicija; • smanjenje siromaštva i porast životnog standarda i kvaliteta života građana kroz rast i razvoj baziran na privatnom sektoru i njegovim kreativnim potencijalima; • podsticanje izvozne orijentacije i konkurentnosti crnogorske privrede; Ovakvu Crnu Goru je u 2006-oj posjetio mađarski OTP i u decembru postao vlasnik Crnogorske komercijalne banke koja je, nesumnjivo, odigrala značajnu ulogu u kreiranju i unapređenju finansijskog tržišta Crne Gore. CKB je više od banke, jer je za 10 važnih reformskih godina ispratila sve uspone i padove jedne ekonomije i porasla u jednu od onih institucija koje kandiduju Crnu Goru u razvijeni svijet. Na tržištu, na kojem živi oko 650.000 ljudi, CKB je lider sa oko 40% tržišnog učešća, sa preko 230.000 klijenata, veoma razvijenom mrežom filijala i vrlo sofisticiranom ponudom proizvoda i usluga i za kompanije i za građane. I upravo je tu budućnost banke i strategija za vrijeme koje dolazi - uvijek dobra ponuda, sigurna transakcija i jasna vizija sa najboljim crnogorskim kadrovima raznih profesija, i to ne samo bankarskih... TOTAL ASSETS/UKUPNA AKTIVA (%) TOTAL DEPOSITS/UKUPNI DEPOZITI (%) CREDIT PORTFOLIO/KREDITNI PORTFOLIO (%) CKB OTHER BANKS / OSTALE BANKE MARKET SHARE / UČEŠĆE NA TRŽIŠTU (%) 15
Page 1 and 2: Annual Report Godišnji izvještaj
Page 3 and 4: A n n u a l R e p o r t G o d i š
Page 5 and 6: Contents Sadržaj Income Statement
Page 7 and 8: Balance Sheet Bilans stanja Year en
Page 9 and 10: Uvodna riječ Generalnog direktora
Page 11 and 12: CKB Management CKB Menadžment May,
Page 13 and 14: Always independent Uvijek nezavisni
Page 15: with 6 million overnight stays and
Page 19 and 20: Old and new banking stories Stare i
Page 21 and 22: New memberships and new legal infra
Page 23 and 24: legal basis for gradual transition
Page 25 and 26: New strategic partnership on the so
Page 28 and 29: 26 26 1997 1998 1999 2000 2001 2002
Page 30 and 31: 28 28
Page 32 and 33: CRNOGORSKA KOMERCIJALNA BANKA A.D.,
Page 34: INDEPENDENT AUDITORS’ REPORT To t
Page 37 and 38: CRNOGORSKA KOMERCIJALNA BANKA A.D.,
Page 39 and 40: NOTES TO THE FINANCIAL STATEMENTS D
Page 67 and 68:
CRNOGORSKA KOMERCIJALNA BANKA A.D.,
Page 69 and 70:
Bulevar Ivana Crnojevića 107 Podgo
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NAPOMENE UZ FINANSIJSKE IZVJEŠTAJE
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Revizorski izvjestaj 2006 (pdf) - Montenegro berza

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