Bilansi uspjeha - Raiffeisen Bank
Bilansi uspjeha - Raiffeisen Bank
Bilansi uspjeha - Raiffeisen Bank
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Značajni finansijski pokazatelji<br />
Kreditiranje<br />
Credit financing<br />
Kreditiranje preduzeća<br />
Kreditni portfolio krajem 2005. godine iznosi KM 460<br />
miliona i povećan je za 24% u odnosu na kraj prethodne<br />
godine. Ročna struktura kreditnog portfolija promijenjena<br />
je u odnosu na prethodnu godinu u korist dugoročnih<br />
kredita, čije je učešće u ukupnom kreditnom portfoliju na<br />
kraju 2005. godine iznosilo 56%.<br />
Kreditiranje stanovništva<br />
Značajan doprinos ostvarenju planskih kategorija je i<br />
u 2005. godini imala specijalna ponuda za uposlenike<br />
firmi od poslovnog značaja za <strong>Bank</strong>u.<br />
Ponuda kreditnih proizvoda je proširena kreditima za<br />
farmere, studente, za kupovinu apartmana, a kod auto<br />
kredita je lansiran kredit “Staro za novo”.<br />
Pored navedenog, <strong>Bank</strong>a je aktivnije nego u prethodnim<br />
godinama uzela učešće na tenderima državnih<br />
organa, što je imalo pozitivne efekte u vidu novih<br />
kreditnih plasmana.<br />
Kao ilustracija ostvarenog obima poslova kreditiranja<br />
stanovništva može poslužiti podatak da je u 2005.<br />
godini plasirano 67.736 kredita, što je za 25% više u<br />
poređenju sa 2004. godinom.<br />
U odnosu na 2004. godinu kreditni portfelj je zabilježio<br />
rast od 25,44%, odnosno prosječna mjesečna stopa<br />
rasta je iznosila 2,1%.<br />
Kao rezultat navedenih aktivnosti u segmentu kreditiranja<br />
stanovništva, kreditni portfelj <strong>Bank</strong>e je dostigao<br />
21,4% svih kredita datih fizičkim lica u komercijalnim<br />
bankama u BiH.<br />
60 www.raiffeisenbank.ba<br />
Credits to companies<br />
At the end of 2005, loan portfolio was KM 460 million<br />
and the same was increased by 24% in comparison<br />
to the end of the previous year. Maturity structure of<br />
loan portfolio was changed in comparison to the previous<br />
year in favour of long term loans, whose share<br />
in total loan portfolio at the end of 2005 was 56%.<br />
Retail lending<br />
Significant contribution to fulfilment of budgeted categories<br />
in reporting year has also been made through<br />
special offer for employees of companies of business<br />
importance for the <strong>Bank</strong>.<br />
Offer of loan products was extended with loans for<br />
farmers, students, purchase of condominiums, and with<br />
car loans the “Trade-in” loan was introduced.<br />
Besides the above, the <strong>Bank</strong> participated in invitation for<br />
bids of state authorities more intensively than in previous<br />
years, which had positive effects in form of new loan<br />
facilities.<br />
As an illustration of achieved volume of retail lending,<br />
67.736 loans were granted during previous year, which<br />
is 25% higher compared to 2004.<br />
Compared to 2004, loan portfolio rose by 25,44%, i.e.<br />
average monthly growth rate was 2,1%. As a result of<br />
above-mentioned activities in retail lending segment,<br />
loan portfolio of the <strong>Bank</strong> reached 21,4% of all loans<br />
granted to private individuals in commercial banks in<br />
B&H.
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