Bilansi uspjeha - Raiffeisen Bank

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Sektor sredstava i finansijskih tržišta Sektor sredstava i finansijskih tržišta 38 www.raiffeisenbank.ba U cilju prilagođavanja politike razvoja proizvoda Banke u protekloj godini je uvedena funkcija makroekonomskih i finansijskih istraživanja, što će u budućnosti omogućiti pružanje bitnih informacija odgovarajućim funkcijama Banke. Primarni ciljevi Sektora sredstava i finansijskih tržišta u 2005. bili su orjentirani na: • povećanje prihoda iz poslova kupo-prodaje deviza i efektivnog stranog novca, gdje je realizovan prihod za 13 % veći od prihoda iz prethodne godine; • povećanje obima depozitarskih poslova, gdje je realizovan prihod veći za 45 % od prihoda iz prethodne godine; • smanjenje troškova korespondentne i kontokorentne mreže Banke, gdje su izmjenom metoda procesiranja platnih naloga, troškovi smanjeni za 43% u odnosu na prethodnu godinu; • nastavak odlične saradnje sa supranacionalnim finansijskim institucijama, s ciljem obezbjeđenja dugoročnih izvora finansiranja. U ovoj godini zaključeno je novih EUR 259 mio što je bilo dostatno za potrebe dugoročnog finansiranja klijenata Banke za 2005. godinu, kao i za planirane aktivnosti u prvoj polovici 2006. godine. Pored navedenih aktivnosti, zadaci poput: održavanja visoke likvidnosti Banke (tokom čitave godine preko 40%), ispunjenja obavezne rezerve uz najefikasnije disponiranje novčanim sredstvima na računu kod CBBiH i u inostranstvu, adekvatno upravljanje ročnom usklađenošću aktive i pasive u uvjetima rigidnih zakonskih ograničenja, bile su permanentne aktivnosti vođene iz Sektora sredstava i finansijskih tržišta. Krajem 2005. započet je projekt Skrbništvo nad vrijednosnim papirima s namjerom organizacionog, proceduralnog i programskog okončanja u prvoj polovici naredne godine. Organizaciono ovi poslovi se planiraju voditi unutar Odjeljenja za investiciono bankarstvo čime bi sa poslovima brokerske kuće Raiffeisen Brokers d.o.o. zaokružili proces trgovine vrijednosnim papirima za račun klijenata. U pogledu edukacije, tokom ove godine, posebna pažnja je posvećena usavršavanju mladih i perspektivnih kadrova, čime je postignut visok nivo profesionalnosti i samostalnosti u obavljanju specijalističkih zadataka. Posebno ističemo zvanja investicionog savjetnika i brokera za dva uposlenika ovog Sektora, čime su stvorene pretpostavke za proširenje dijapazona proizvoda planiranih u narednoj godini.
Treasury and Financial Market Division With purpose of adjusting product development policy of the Bank, in the previous year, function of macroeconomic and financial researches was introduced, which in future would enable providing of important information to appropriate functions of the Bank. Primary aims of Treasury and Financial Markets Division in 2005 are oriented to: Treasury and Financial Market Division • Increase of income based on operations of sales/purchase of foreign currencies and foreign cash, where generated income is by 13% higher than income from the previous year; • Increase of volume of depositary operations, where generated income is higher by 45% than income from the previous year; • Decrease of costs of correspondent and current accounts’ network of the Bank, where on basis of change of method of payment orders processing, costs have decreased by 43% in comparison to the previous year; • Continuation of excellent cooperation with supranational financial institutions, with purpose of securing long term sources of financing. In this year, amount of additional EUR 259 mio was concluded which was sufficient for the needs of long term financing of customers of the Bank for year 2005, as well as for planned activities in the first half of year 2006. Apart from mentioned activities, tasks such as: maintaining high liquidity of the Bank (over 40% during the whole year), fulfilment of legal reserves with the most efficient disposal of cash funds on the account with CBBiH and abroad, adequate management of maturity matching of assets and liabilities under conditions of rigid legal limitations, were permanent activities operated from Treasury and Financial Markets Division. At the end of 2005, project named Custody over Securities has started with purpose of organisational, procedural and programme finalisation in the first half of the following year. Organisationally, all operations are planned to be run within the Investment Banking Department which would, along with operations of brokerage house Raiffeisen Brokers d.o.o., finalise process of securities trading for customers’ account. In terms of training, during this year, special attention was dedicated to training of young and perspective employees, on basis of which high level of professionalism and independence is achieved in performance of special assignments. We especially point out positions of investment advisor and broker for two employees of this Division, which created preconditions for expansion of product range planned in the next year. www.raiffeisenbank.ba 39
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 and 38: Cards Business Growth in issuing ca
Page 39: SME segment SME market BiH market i
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
Page 89 and 90: Income Statements For the years end
Page 91 and 92:
Balance Sheets as at 31 December 20
Page 93 and 94:
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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Bilansi uspjeha - Raiffeisen Bank

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