Revizorski izvjestaj 2006 (pdf) - Montenegro berza

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
Statement of the
General Manager
Dear clients and shareholders,
My dearest team,
Our banking story began in January 1997. The year of 2006 will be remembered
by December which again confirmed our good results and
also brought a new partner to us – Hungarian OTP Bank. We worked on
the strategic project for a year and finally got the owner whose history is
similar to ours and with whom we have a lot in common – from efficiency
to the vision...
One really interesting and exciting year with a lot of work and results is
behind us and there is no doubt that Crnogorska Komercijalna Banka will
successfully develop and shape Montenegro and its economy in the future
as well. Everybody has right on dreams although banking is exact by its
nature, precise and accurate... I am heading the team who achieved more
than it planned in 2006 and also who witnessed more than it dreamed of
for its country, history and future generations.
The beginning of the new century was marked by birth of independent
Montenegro.
All important indicators for the period 2005-2006 show strong growth of
CKB. Balance sum is higher by 77%, loans by 100%, deposits by 75% and
savings of Montenegrin citizens compared to the last year increased by
146%. The profit we achieved in 2006 is higher by 31.2% than in 2005.
Our clients today are almost all employed persons in Montenegro but also
many others and their number is bigger than ever – more than 230.000
private individuals and legal entities perform business through CKB. In
technological terms, we went a step further compared to the previous
year – we enriched our offer, introduced new services and prepared the
necessary infrastructure for our new projects and we hope to have one
more banking and information technology revolution. Banking competition
is stronger than ever and we hope that cooperation between the
banks will be more loyal and better in the future.
The gratitude for the achieved results I again owe to my team who are the
best professionals in Montenegro today and who have fought all these
years for the economic independence of Montenegro. Luckily, they lived
to see much more than that. We are sure that our new strategic partner,
OTP, will cherish the name and reputation of CKB and that, by combining
the knowledge and experiences, we will design and implement together
new Montenegrin and European projects...
Milka Ljumović, General Manager
Podgorica, May 2007