Revizorski izvjestaj 2006 (pdf) - Montenegro berza

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20 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
legal basis for gradual transition towards Basel II. The goal of the new law is to provide legal basis for expansion of the banking market as well as conditions for opening of branches of foreign banks that have at least A rating. It is important to mention some regulations that improved the business environment in which Montenegrin banks and their clients worked in 2006, such as Amendments to the Law on Securities, Law on Insurance, Law on Voluntary Pension Funds, Amendments to the Personal Income Tax Law, Amendments to the Customs Law, etc. Social story Links are not always just economic and political and that is why CKB is actively involved in Montenegrin culture, science and sports. Such affirmations are always demanding for the bank, but they are popular and they are remembered for a long time. The year 2006 was marked by Bank’s participation in the most important international projects in the Montenegrin culture – The First International Book Fair, Festival of International Alternative Theatre - FIAT, Festival of Mediterranean Theatre - Purgatories Tivat 2006, partnership with the sports club that won most trophies – Water Polo club Jadran from Herceg Novi, organization of the European Karate Championship etc. CKB supported the activities of the French Cultural Centre and visits of numerous French artists of different profiles, which represented the connecting of two old European countries. UNICEF’s projects - School Without Violence and Prevention of Drug Addiction in primary schools, various university and students’ projects and other projects carried out in cooperation with CKB create safer and healthier environment for Montenegrin children and youth. jting A. Značajno je pomenuti još neke od bitnih propisa koji su u 2006. godini, unaprijedili ambijent u kojem posluju crnogorske banke i njihovi klijenti, kao što su izmjene Zakona o hartijama od vrijednosti, Zakon o osiguranju, Zakon o dobrovoljnim penzionim fondovima, Izmjene zakona o porezu na dohodak fizičkih lica, Izmjene carinskog zakona i sl. Društvena priča Povezivanja nijesu uvijek samo ekonomska i politička, zbog čega CKB aktivno učestvuje i u kulturi, nauci, sportu Crne Gore.Te afirmacije su za banku uvijek zahtjevne, ali su popularne i dugo se pamte. 2006. godinu je obilježilo i učešće banke u najvažnijim internacionalnim projektima crnogorske kulture – Prvi Međunarodni podgorički sajam knjiga, festival FIAT, Festival mediteranskog teatra Purgatorije Tivat 2006, ali i dogovoreno partnerstvo sa najtrofejnijim crnogorskim sportskim klubom − Vaterpolo klubom Jadran iz Herceg Novog, kao i organizacija Evropskog prvenstva u karateu i sl. CKB je podržala i aktivnosti Francuskog kulturnog centra i gostovanje mnogih francuskih umjetnika različitih profila, što je označilo nova povezivanja dvije stare evropske zemlje. UNICEF-ovi projekti – Škola bez nasilja i Prevencija narkomanije u osnovnim školama, razni univerzitetski i studentski projekti, i drugi u saradnji sa CKB-om, stvaraju takođe sigurnije i zdravije okruženje za crnogorsku djecu i omladinu. Crnogorska komercijalna banka osjeća veliku odgovornost za socijalna dešavanja u društvu i smatra to svojim važnim zadatkom. CKB feels big responsibility for social events and considers that as its important task. 21
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 and 20: Old and new banking stories Stare i
Page 21: New memberships and new legal infra
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.,
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CRNOGORSKA KOMERCIJALNA BANKA A.D.,
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NAPOMENE UZ FINANSIJSKE IZVJEŠTAJE
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