- Page 1: Annual Report of Živnostenská ban
- Page 5 and 6: Introduction by the Chairman of the
- Page 7 and 8: Directors’ Report Dear Clients an
- Page 9 and 10: During 2004, the Bank opened 14 new
- Page 11: provided support to a number of pro
- Page 14 and 15: Liabilities: Note 31 December 2004
- Page 16 and 17: Income Statement for the Year Ended
- Page 18 and 19: Schedule to the Financial Statement
- Page 20 and 21: • on sale or transfer of any secu
- Page 22 and 23: (o) Receivables Receivables are sta
- Page 24 and 25: The Bank creates social fund. The s
- Page 26 and 27: In 2004 and 2003, the Bank did not
- Page 28 and 29: for comparable transactions with ot
- Page 30 and 31: Securities available-for-sale at 31
- Page 32 and 33: (c) Movements in investments in sub
- Page 34 and 35: Tangible fixed assets 31 December 2
- Page 36 and 37: 10 ALLOWANCES, PROVISIONS AND WRITE
- Page 38 and 39: 11 DUE TO BANKS 31 December 2004 CZ
- Page 40 and 41: 13 LIABILITIES FROM DEBT SECURITIES
- Page 42 and 43: If the balance of the statutory res
- Page 44 and 45: 31 December 2004 31.December 2003 C
- Page 46 and 47: 20 COMMISSION AND FEE INCOME AND EX
- Page 48 and 49: 23 ADMINISTRATIVE EXPENSES 31 Decem
- Page 50 and 51: 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 and 104:
As at 31 December 2004 Up to 1-3 3-
- Page 105 and 106:
The table below summarises the effe
- 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