Revizorski izvjestaj 2006 (pdf) - Montenegro berza

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18 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 GDP in the next period to which construction projects, tourism, banking system and direct foreign investments are contributing the most. Foreign capital is here because of attractiveness of the market, announcement of membership of Montenegro in the EU, still high interest margins, etc. Foreign banks naturally count on easier access to cheap sources of crediting in their parent companies, and they do not rely so much on Montenegrin financial potential on which institution like CKB has grown. That important linking of local knowledge about the market and its conditions in which CKB has matured, with OTP, is just a logical and successful continuation of CKB story... u narednom periodu, a kome najviše trenutno doprinose građevinarstvo, turizam, bankarski sistem i strane direktne investicije. Strani kapital je tu i zbog atraktivnosti tržišta, najave članstva Crne Gore u EU, još uvijek visokih kamatnih marži i sl. Strane banke, naravno, računaju na lakši pristup jeftinijim izvorima kreditiranja od strane svojih matičnih kuća, a ne oslanjaju se toliko na crnogorski finansijski potencijal, na kome je, na primjer, porasla jedna CKB. Taj važan spoj lokalnog poznavanja tržišta i njegovih prilika sa kojima je sazrijevala, sada u kombinaciji sa OTP-om, samo je logičan i uspješan nastavak CKB priče.
New memberships and new legal infrastructure Montenegro returned to the political map of the world and it is intensively working on the accession to the EU through continuous work of expert groups. In March 2007 the Agreement on Stabilization and Accession to the EU was signed and in May Montenegro entered the Council of Europe. At the end of 2006, CEFTA agreement was also signed and it is expected to come into force in July this year. At the beginning of 2007, for the first time as an independent state, Montenegro became a member of the IMF. After becoming a member of IMF, the document on membership in the World Bank was also signed with which our country completed its integration into the international economic system. The mentioned memberships will naturally further strengthen the credibility of Montenegro in international circles and open doors to new strategic investments. The world accepted new economic and political reality of Montenegro and numerous diplomatic and business representative offices are being established which confirms the wish of international circles to cooperate with Montenegro, its institutions, at its market, in the long term...New projects are only new challenges for CKB team so the following several years will be very intensive and busy for us. The banks will surely have new, amended Law on Banks because the existing one will be changed significantly. In the coming period the role of the Central Bank will become stronger, although the Central Bank has always been establishing and applying high standards in Montenegrin banking system. The Central Bank of Montenegro prepared the draft of this law which is an important step further in the process of harmonization with international standards, as well as creation of Nova članstva i nova zakonska infrastruktura Crna Gora se vratila na političku mapu svijeta i intenzivno se radi na projektu pridruživanju EU, kroz neprekidan rad ekspertskih grupa. U martu 2007. parafiran je Sporazum o stabilizaciji i pridruživanju EU, a u maju je ostvaren prijem u Savjet Evrope. Krajem 2006, potpisan je i CEFTA sporazum, za koji se očekuje da će stupiti na snagu jula ove godine. Početkom 2007. Crna Gora je prvi put kao samostalna država postala članica Međunarodnog monetarnog fonda. Nakon učlanjenja u MMF, potpisan je i dokument o pristupanju članstvu Svjetske banke, čime je naša zemlja zaokružila integraciju u međunarodni ekonomski sistem. Pomenuta članstva će naravno dodatno osnažiti kredibilitet Crne Gore u međunarodnim krugovima i otvoriti vrata novim strateškim investicijama. Svijet je prihvatio novu ekonomsku i političku realnost Crne Gore i brojna diplomatska i poslovna predstavništva se otvaraju, što potvrđuje želju svijeta da dugoročno sarađuje sa Crnom Gorom, njenim institucijama i na njenom tržištu... Novi projekti su uvijek novi izazovi za CKB tim, tako da će i narednih nekoliko godina biti veoma intenzivne i radne za nas. Banke će, zasigurno, dobiti i novi, izmijenjeni Zakon o bankama, jer će postojeći pretrpjeti krupne promjene. U narednom periodu će dodatno jačati uloga Centralne banke Crne Gore, koja je i do sada uspostavljala i primjenjivala visoke standarde u bankarskom sektoru Crne Gore. CBCG je pripremila nacrt ovog Zakona, koji je značajan korak u procesu usaglašavanja sa međunarodnim standardima, kao i stvaranja pravnog osnova za postepenu tranziciju ka Bazelu II. Cilj novog zakona je da obezbijedi i zakonske pretpostavke za buduće širenje bankarskog tržišta, kao i mogućnosti otvaranja filijala stranih banaka koje imaju najmanje re- 19
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 and 16: with 6 million overnight stays and
Page 17 and 18: • support to business development
Page 19: Old and new banking stories Stare i
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 39 and 40: NOTES TO THE FINANCIAL STATEMENTS D
Page 69 and 70: Bulevar Ivana Crnojevića 107 Podgo
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CRNOGORSKA KOMERCIJALNA BANKA A.D.,
Page 74 and 75:
CRNOGORSKA KOMERCIJALNA BANKA A.D.,
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NAPOMENE UZ FINANSIJSKE IZVJEŠTAJE
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Revizorski izvjestaj 2006 (pdf) - Montenegro berza

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