Bilansi uspjeha - Raiffeisen Bank

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Sektor za poslovanje sa stanovništvom SME segment SME tržište Tržište BiH je pretežno SME tržište, pa tako i najveći broj pravnih lica klijenata Banke predstavljaju SME klijente. Prema podacima USAID-a iz 2004. godine, na području BiH registrirano je cca 60.000 SME klijenata. Entitetske poreske uprave procjenjuju da je ovaj broj mnogo veći i da postoji preko 100.000 SME klijenata. Prema istom izvoru, najzastupljenija je kategorija mikro preduzeća sa ukupno 10 zaposlenih (91% od ukupnog broja SME preduzeća). Banka u funkciji SME Raiffeisen banka je prepoznala važnost i perspektivu SME tržišta u zemlji i krajem 2004. godine sprovela reorganizaciju da bi se mogla približiti malom i srednjem klijentu i ponuditi mu uslugu primjerenu njegovim specifičnim potrebama, korištenjem poslovne mreže Banke. Prema Odluci Nadzornog odbora Banke o izmjeni postojeće organizacije i sistematizacije poslova Banke, 1. januara 2005. uspostavljen je SME Segment kao novi organizacioni dio u sklopu Sektora poslovanja sa stanovništvom. SME klijenti su segmentirani na Micro i Small klijente, a prema ostvarenom godisnjem ukupnom prihodu. Novi proizvodi i edukacija • U 2005, lansirana su dva paketa SME proizvoda (Raiffeisen Espresso i Produženi Espresso). • Kontinuirana edukacija front funkcije, koja se u 2005. obučavala za prodaju standardiziranih proizvoda, što je jedan od osnovnih postulata SME prodaje. Prodaja • Raiffeisen espresso lansiran u martu: do 31.12.2005: prodana 202 paketa u iznosu KM 6,7 mio • Produženi Espresso lansiran u oktobru: do 31.12.2005, prodana 103 paketa u iznosu KM 7 mio; od čega je u decembru 2005 prodato 70 paketa u iznosu KM 4,6 mio. Brza usluga kroz optimiziran SME proces • Approval Process System je takođe projekat SME u 2005. APS podržava elektronski proces odlučivanja za sve involvirane funkcije od podnošenja kreditnog zahtjeva do trenutka donošenja Odluke, a radi na principu Internet platforme. Ovo je prva aplikacija u RI mreži koja je povezana sa Core sistemom. Ključni pokazatelji • Ukupan broj SME klijenata na dan 31.12.2005. iznosi cca 17.000 • U srednjoročnom planu do 2008. godine, Raiffeisen banka je predvidjela značajan porast SME portfelja. U 2005. godini, ostvareno je planirano povećanje SME kreditnog portfelja za cca 30% u odnosu na prethodnu godinu • Sa 31.12.2005. SME Segment je postigao budžetom postavljene ciljeve i premašio prosječnu aktivu za 7% • Gross Income: 18% preko budžeta; Commission result: 36% preko budžeta 36 www.raiffeisenbank.ba
SME segment SME market BiH market is mostly an SME market, so that the largest number of corporate customers of the Bank are SME customers. Based on information of USAID for 2004, there are ca 60.000 of registered SME customers in the area of BiH. Entity-level tax authorities estimated that this number was much higher and that there were over 100.000 SME customers. According to the same source of information, the most dominant category are micro enterprises with total of 10 employees (91% of total number of SME companies). Bank in function of SME Raiffeisen Bank has recognised the importance and perspectives of SME market in the country and at the end of 2004 performed reorganisation in order to get closer to small and middle market customers and offer them a kind of service that is corresponding to their specific needs by using Bank’s business network. Based on the Decision of the Supervisory Board of the Bank on Changes to the Existing Organisation and Job Classification of the Bank, an SME segment was established on 1st of January 2005 as new organisational part within the Retail Division. SME customers are segmented to Micro and Small customers based on their generated total annual income. New products and training • Two packages of SME products were launched in 2005 (Raiffeisen Espresso and Long Espresso). • Continuous training of Front function which, in 2005, encompassed training related to sale of standardised products as one of the main foundations of SME sale. Sale • Raiffeisen espresso was launched in March: 202 packages were sold until 31.12.2005 in amount of KM 6,7 mio • Long Espresso was launched in October: 103 packages were sold until 31.12.2005 in amount of KM 7 mio; out of which 70 packages were sold in December 2005 in amount of KM 4,6 mio. Prompt service through an optimised SME process • Approval Process System was also an SME project for 2005. APS supports the electronic decision-making process relative to all involved functions starting from submission of loan application to the moment of issuing a Decision and it functions on basis of an Internet platform principle. This is the first application in RI Network that is connected with the Core system. Key indicators • Total number of SME customers as of 31.12.2005 is ca 17.000 • In the mid-term plan until 2008, Raiffeisen Bank projected significant growth of SME portfolio. In 2005, budgeted increase of SME loan portfolio was achieved by ca 30% compared to the previous year • As of 31.12.2005, SME Segment achieved budgeted goals and exceeded average assets by 7% • Gross Income: 18% over the budget; Commission result: 36% over the budget www.raiffeisenbank.ba Retail Division 37
Page 2: Pregled ključnih podataka Survey o
Page 5 and 6: Sadržaj Contents Izvještaj predsj
Page 7 and 8: www.raiffeisenbank.ba 5
Page 9 and 10: Report by the President of the Supe
Page 11 and 12: Introduction by Chief Executive Off
Page 15 and 16: Macroeconomic Aggregates Macroecono
Page 17 and 18: Macroeconomic Aggregates Financial
Page 19 and 20: The RZB Group and Raiffeisen Intern
Page 21 and 22: Raiffeisen BANK d.d. Bosnia and Her
Page 23 and 24: Vision Raiffeisen BANK d.d. Bosnia
Page 31 and 32: Nadzorni odbor Supervisory Board Up
Page 33 and 34: Corporate Banking Division Corporat
Page 35 and 36: Retail Division Retail Savings Comp
Page 37: Cards Business Growth in issuing ca
Page 41 and 42: Treasury and Financial Market Divis
Page 43 and 44: Finance and Accounting Division Ope
Page 45 and 46: Central Processing Division In an e
Page 47 and 48: Domestic payments During 2005, numb
Page 49 and 50: Balance Sheet As of 31. December 20
Page 51 and 52: Statements of Income For the years
Page 53 and 54: Petogodišnja usporedba finansijski
Page 55 and 56: Ukupna aktiva Total assets EUR 000
Page 57 and 58: Operativni rezultati Poslovanje Ban
Page 59 and 60: Usporedba troškova poslovanja i uk
Page 61 and 62: Izvori finansiranja Funds sources U
Page 63 and 64: Krediti preduzećima Loans to compa
Page 65 and 66: Depoziti komitenata Customer deposi
Page 67 and 68: Depoziti stanovništva Deposits fro
Page 73 and 74: Adresar Addresses and contacts Raif
Page 75 and 76: Slovakia Tatra banka, a.s. Hodžovo
Page 77 and 78: alph.zeitlberger@rba-belgrade.raiff
Page 79 and 80: Phone: (+43-1) 71 707-1588 Fax: (+4
Page 81 and 82: Poland Raiffeisen Investment Polska
Page 85 and 86: Responsibility for Financial Report
Page 87 and 88: 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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