Annual report 2004 (PDF, 4141 kB) - Unicredit Bank

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As at 31 December 2003 Assets Cash and balances with central Up to 1 month 1-3 months 3-12 months CZK m CZK m CZK m 1-5 years Over 5 years Noninterest bearing Total CZK m CZK m CZK m CZK m bank 0 0 0 0 0 1 811 1 811 State treasury and other bills eligible for CNB refinancing 361 199 817 0 0 0 1 377 Due from other banks 16 360 183 825 0 0 0 17 368 Trading securities 878 2 425 29 57 34 0 3 423 Derivative financial instruments 14 26 16 55 0 0 111 Loans and advances to customers 9 438 2 733 7 490 2 888 405 -506 22 448 Securities available-for-sale 0 0 256 515 0 22 793 Intangible assets 0 0 0 0 0 90 90 Property, plant and equipment 0 0 0 0 0 1 346 1 346 Other assets 1 0 0 0 0 198 199 Current tax asset 0 0 0 0 0 4 4 Total assets 27 052 5 566 9 433 3 515 439 2 965 48 970 Liabilities Due to other banks 3 488 327 728 223 0 0 4 766 Derivative financial instruments and other trading liabilities 29 755 40 116 12 0 952 Debt securities in issue 2 577 90 0 746 0 0 3 413 Subordinated debt 0 1 000 0 0 0 0 1 000 Due to customers 31 241 2 756 444 16 0 221 34 678 Other liabilities 1 0 0 0 0 915 916 Current tax liability 0 0 0 0 0 135 135 Total liabilities 37 336 4 928 1 212 1101 12 1 271 45 860 On balance sheet interest sensitivity gap -10 284 638 8 221 2 414 427 1 694 3 110 Off balance sheet interest sensitivity gap 1 020 1 115 80 -2 138 -77 0 0 104
The table below summarises the effective interest rate by major currencies for monetary financial instruments: As at 31 December <strong>2004</strong> CZK % USD % GBP % EUR % Assets Cash and balances with central bank 1,95 0 0 0 State treasury and other bills eligible for CNB refinancing 2,83 0 0 0 Due from other banks 2,50 2,25 4,25 2,57 Trading securities – debt securities 4,78 2,69 5,03 2,36 Loans and advances to customers 4,33 4,97 5,58 4,08 Securities available-for-sale – debt securities 0 7,33 0 4,63 Liabilities Due to other banks 2,69 2,30 0 2,26 Due to customers 1,26 0,89 2,97 0,70 Debt securities in issue 2,89 1,84 4,34 1,21 Assuming the financial assets and liabilities at 31 December <strong>2004</strong> were to remain until maturity or settlement without any action by the Group to alter the resulting interest rate risk exposure, an immediate and sustained increase of 1% in market interest rates across all maturities would reduce net income and the Group’s equity for the following year by approximately CZK 27 million (31 December 2003: CZK 13 million). The calculation is made on the assumption that the change will take place simultaneously on both assets and liabilities sides, which would not be the case in reality. The Group would make re-pricing decisions with a certain delay after the change of market conditions, thus limiting the effect on the overall net income and the Group’s equity. 105
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Annual Report of Živnostenská ban
Page 3 and 4:
Composition of the Supervisory Boar
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Introduction by the Chairman of the
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Directors’ Report Dear Clients an
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During 2004, the Bank opened 14 new
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provided support to a number of pro
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Liabilities: Note 31 December 2004
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Income Statement for the Year Ended
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Schedule to the Financial Statement
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• on sale or transfer of any secu
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(o) Receivables Receivables are sta
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The Bank creates social fund. The s
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In 2004 and 2003, the Bank did not
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for comparable transactions with ot
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Securities available-for-sale at 31
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(c) Movements in investments in sub
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Tangible fixed assets 31 December 2
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10 ALLOWANCES, PROVISIONS AND WRITE
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11 DUE TO BANKS 31 December 2004 CZ
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13 LIABILITIES FROM DEBT SECURITIES
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If the balance of the statutory res
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31 December 2004 31.December 2003 C
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20 COMMISSION AND FEE INCOME AND EX
Page 48 and 49:
23 ADMINISTRATIVE EXPENSES 31 Decem
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24 TAXATION 31 December 2004 CZK m
Page 52 and 53:
26 FINANCIAL RISKS (a) Strategy in
Page 54 and 55: on a daily basis (so-called “back
Page 56 and 57: As at 31 December 2004 Assets CZK E
Page 58 and 59: The VaR amount for interest rate ri
Page 60 and 61: (g) Liquidity risk The Bank is expo
Page 62 and 63: At 31 December 2003 Assets Within 3
Page 65 and 66: Consolidated Financial Statement au
Page 67 and 68: Consolidated Income Statements of C
Page 69 and 70: Schedule to the Consolidated Financ
Page 71 and 72: (c) Foreign currencies The consolid
Page 73 and 74: (h) Sale and repurchase agreements
Page 75 and 76: Property, plant and equipment and i
Page 77 and 78: 3 NET FEE AND COMMISSION INCOME 31
Page 79 and 80: 7 OPERATING EXPENSES Operating expe
Page 81 and 82: The tax on the operating profit dif
Page 83 and 84: 13 STATE TREASURY AND OTHER BILLS E
Page 85 and 86: 31 December 2004 31 December 2003 N
Page 87 and 88: 18 SECURITIES AVAILABLE-FOR-SALE 31
Page 89 and 90: Property, plant and equipment Dispo
Page 91 and 92: y 29 December 2014, with no repayme
Page 93 and 94: The following table indicates the c
Page 95 and 96: (b) Capital adequacy To monitor the
Page 97 and 98: Geographical concentrations of asse
Page 99 and 100: market movements. The Board of Dire
Page 101 and 102: CZK USD GBP EUR Other Total As at 3
Page 103: As at 31 December 2004 Up to 1-3 3-
Page 107 and 108: Maturities of assets and liabilitie
Page 109 and 110: to be completely matched since busi
Page 111 and 112: 34 RELATED PARTY TRANSACTIONS Parti
Page 113 and 114: Non-Audited Supplemental Informatio
Page 115 and 116: NON-AUDITED RECONCILIATION OF THE I
Page 117 and 118: Report on Relations between the Con
Page 119 and 120: 1.4. In addition to the above menti
Page 121 and 122: Supplementary Data in Conformity wi
Page 123 and 124: 1.3. The Board of Directors as at 3
Page 125 and 126: - supplementary investment services
Page 127 and 128: was launched aimed to introduce the
Page 129 and 130: Other Top Managers of Živnostensk
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Annual report 2004 (PDF, 4141 kB) - Unicredit Bank

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