Bilansi uspjeha - Raiffeisen Bank

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Finansijski izvještaji Napomene uz finansijske izvještaje 31. decembar 2005. i 2004. godine (Svi iznosi izraženi su u hiljadama KM) 33. KAMATNI RIZIK Kamatni rizik je rizik promjene vrijednosti finansijskog instrumenta uslijed promjena kamatnih stopa na tržištu. Stoga razdoblje u kojem je kamatna stopa za finansijski instrument nepromjenjiva ukazuje na izloženost kamatnom riziku. U idućoj tablici nalaze se podaci o izloženosti Banke kamatnom riziku, koja je analizirana ili na temelju ugovornog dospijeća finansijskog instrumenta, ili, kod instrumenata čija kamatna stopa se mijenja prije dospijeća, u razdoblju do idućeg datuma promjene kamatne stope. Politika Banke je da svojom izloženošću promjenama u neto prihodima od kamata koji proizlaze iz promjena kamatnih stopa upravlja kontrolisanim neusklađivanjem datuma promjene cijena u bilansu stanja. Imovina i obaveze za koje ne postoji ugovoreni datum dospijeća ili na koje se ne obračunava kamata svrstani su u okviru kategorije “Nedefinisano dospijeće”. ‘000 KM AKTIVA 150 www.raiffeisenbank.ba 0-1 mjesec 1 do 6 mjeseci 6 do 12 mjeseci Preko 1 godine Nedefinirano dospijeće Rezervisanja Ukupno Novac i sredstva kod banaka 16.328 - - - 73.792 - 90.120 Obavezna rezerva Centralne banke - - - - 338.183 - 338.183 Plasmani kod drugih banaka 583.048 68.798 - 496 - (13) 652.329 Dati krediti I potraživanja 80.264 269.732 267.186 778.586 - (63.770) 1.331.998 Kupljeni krediti koji se drže do dospijeća - - - 717 - (670) 47 Kapitalna ulaganja - - - - 2.672 (188) 2.484 Ostala imovina - - - - 36.929 (707) 36.222 Nekretnine i oprema - - - 42.513 (423) 42.090 UKUPNA IMOVINA (1) 679.640 338.530 267.186 779.799 494.089 (65.771) 2.493.473 OBAVEZE Obaveze prema drugim bankama 27.505 50.403 58.935 446.424 10.208 - 593.475 Obaveze prema klijentima 921.113 226.855 196.192 228.053 54.808 - 1.627.021 Rezervisanja - - - - - 18.239 18.239 Ostale obaveze 1.698 3.504 - - 18.092 - 23.294 Subordinirani dug - - - 62.000 - - 62.000 UKUPNE OBAVEZE (2) 950.316 280.762 255.127 736.477 83.108 18.239 2.324.029 Neusklađenost bilansa na dan 31. decembra 2005. (1) - (2) (270.676) 57.768 12.059 43.322 410.981 (84.010) 169.444 Ukupna imovina na dan 31. decembra 2004. godine 654.084 237.015 240.338 572.912 391.917 (56.271) 2.039.995 Ukupne obaveze na dan 31. decembra 2004. godine 885.681 216.081 275.038 459.305 58.114 12.023 1.906.242 Neusklađenost bilanca na dan 31. decembra 2004. (231.597) 20.934 (34.700) 113.607 333.803 (68.294) 133.753
Notes to the financial statements 31 December 2005 and 2004 (all amounts are expressed in thousands of KM) 33. INTEREST RATE RISK Financial statement Interest rate risk is the risk that the value of a financial instrument will fluctuate due to changes in market interest rates. The length of time for which the rate of interest is fixed on a financial instrument, therefore, indicates to what extent it is exposed to interest rate risk. The table below provides information on the extent of the Bank’s interest rate exposure based either on the contractual maturity date of its financial instruments or, in the case of instruments that reprice to a market rate of interest before maturity, the next repricing date. It is the policy of the Bank to manage the exposure to fluctuations in net interest income arising from changes in interest rates by the degree of repricing mismatch in the balance sheet. Those assets and liabilities that do not have contractual maturity date or are not interest bearing are banked in ‘maturity undefined’ category. ‘000 KM 0-1 month ASSETS 1 to 6 months 6 to 12 months Over 1 year Non interest bearing Provision for impairment Total Cash and due from banks 16,328 - - - 73,792 - 90,120 Due from the Central Bank - - - - 338,183 - 338,183 Placements with other banks 583,048 68,798 - 496 - (13) 652,329 Loans originated by the Bank 80,264 269,732 267,186 778,586 - (63,770) 1,331,998 Purchased loans - - - 717 - (670) 47 Investments - - - - 2,672 (188) 2,484 Other assets - - - - 36,929 (707) 36,222 Fixed and intangible assets - - - 42,513 (423) 42,090 TOTAL ASSETS (1) 679,640 338,530 267,186 779,799 494,089 (65,771) 2,493,473 LIABILITIES Due to other banks 27,505 50,403 58,935 446,424 10,208 - 593,475 Due to customers 921,113 226,855 196,192 228,053 54,808 - 1,627,021 Provisions - - - - - 18,239 18,239 Other liabilities 1,698 3,504 - - 18,092 - 23,294 Subordinated debt - - - 62,000 - - 62,000 TOTAL LIABILITIES (2) 950,316 280,762 255,127 736,477 83,108 18,239 2,324,029 Mismatch as of 31 December 2005 (1) - (2) (270,676) 57,768 12,059 43,322 410,981 (84,010) 169,444 Total assets as at 31 December 2004 654,084 237,015 240,338 572,912 391,917 (56,271) 2,039,995 Total liabilities as at 31 December 2004 885,681 216,081 275,038 459,305 58,114 12,023 1,906,242 Balance mismatch as of 31 December 2004 (231,597) 20,934 (34,700) 113,607 333,803 (68,294) 133,753 www.raiffeisenbank.ba 151
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Pregled ključnih podataka Survey o
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Sadržaj Contents Izvještaj predsj
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www.raiffeisenbank.ba 5
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Report by the President of the Supe
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Introduction by Chief Executive Off
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Macroeconomic Aggregates Macroecono
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Macroeconomic Aggregates Financial
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The RZB Group and Raiffeisen Intern
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Raiffeisen BANK d.d. Bosnia and Her
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Vision Raiffeisen BANK d.d. Bosnia
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Nadzorni odbor Supervisory Board Up
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Corporate Banking Division Corporat
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Retail Division Retail Savings Comp
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Cards Business Growth in issuing ca
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SME segment SME market BiH market i
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Treasury and Financial Market Divis
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Finance and Accounting Division Ope
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Central Processing Division In an e
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Domestic payments During 2005, numb
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Balance Sheet As of 31. December 20
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Statements of Income For the years
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Petogodišnja usporedba finansijski
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Ukupna aktiva Total assets EUR 000
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Operativni rezultati Poslovanje Ban
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Usporedba troškova poslovanja i uk
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Izvori finansiranja Funds sources U
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Krediti preduzećima Loans to compa
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Depoziti komitenata Customer deposi
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Depoziti stanovništva Deposits fro
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Adresar Addresses and contacts Raif
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Slovakia Tatra banka, a.s. Hodžovo
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alph.zeitlberger@rba-belgrade.raiff
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Phone: (+43-1) 71 707-1588 Fax: (+4
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Poland Raiffeisen Investment Polska
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Responsibility for Financial Report
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INDEPENDENT AUDITORS’ REPORT To t
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Income Statements For the years end
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Balance Sheets as at 31 December 20
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Statements of cash flows For the ye
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Statements of changes in shareholde
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Notes to the financial statements 3
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Notes to the financial statements 3
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