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

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As at 31 December <strong>2004</strong> Assets CZK EUR USD SKK GBP Other Total CZK m CZK m CZK m CZK m CZK m CZK m CZK m Cash and balances with central bank 1 826 80 38 6 10 19 1 979 Due from banks 8 523 465 2 811 276 33 320 12 428 Due from customers 19 833 3 670 739 0 36 242 24 520 Trading securities 867 2 366 1 351 0 435 0 5 019 Securities available-for-sale 22 326 431 0 0 0 779 Investments 0 0 0 0 0 0 0 Other assets 1 979 70 5 2 3 3 2 062 Liabilities 33 050 6 977 5 375 284 517 584 46 787 Due to banks 3 006 1 260 1 016 0 1 106 5 389 Due to customers 21 695 6 048 4 091 299 533 562 33 228 Liabilities from debt securities 2 108 212 278 0 56 0 2 654 Subordinated liabilities 1 000 0 0 0 0 0 1 000 Provisions 293 0 0 0 0 0 293 Other liabilities 3 850 309 56 1 5 2 4 223 31 952 7 829 5 441 300 595 670 46 787 Net assets/(liabilities) 1 098 - 852 - 66 -16 -78 -86 0 Net off-balance sheet assets from spot transactions and term instruments - 961 808 63 18 67 82 77 Net open currency position 137 -44 -3 2 -11 -4 77 56
As at 31 December 2003 Assets CZK EUR USD SKK GBP Other Total CZK m CZK m CZK m CZK m CZK m CZK m CZK m Cash and balances with central bank 1 664 61 42 7 11 26 1 811 Due from banks 13 730 986 2 158 89 11 394 17 368 Due from customers 18 808 3 042 599 0 36 301 22 786 Trading securities 1 486 1 838 1 015 0 461 0 4 800 Securities available-for-sale 22 0 771 0 0 0 793 Investments 5 0 0 0 0 0 5 Other assets 1 665 52 5 0 0 1 1 723 37 380 5 979 4 590 96 519 722 49 286 Liabilities Due to banks 3 377 681 51 0 76 581 4 766 Due to customers 23 239 5 746 4 620 71 423 618 34 717 Liabilities from debt securities 3 445 349 289 24 57 0 4 164 Subordinated liabilities 1 000 0 0 0 0 0 1 000 Provisions 503 0 0 0 0 0 503 Other liabilities 3 736 278 113 0 2 7 4 136 35 300 7 054 5 073 95 558 1 206 49 286 Net assets/(liabilities) 2 080 - 1 075 - 483 1 - 39 - 484 0 Net off-balance sheet assets from spot transactions and term instruments - 2 030 1 011 535 - 1 43 475 33 Net open currency position 50 - 64 52 0 4 - 9 33 (f) Interest rate risk The <strong>Bank</strong> takes on exposure resulting from fluctuations in the prevailing levels of market interest rates on its financial position and cash flows. Interest margins may increase as a result of such changes but may reduce or create losses in the event that unexpected movements arise. The Board of Directors sets limits on the level of mismatch of interest rate repricing that may be undertaken, which is monitored daily. 57
Page 1 and 2:
Annual Report of Živnostenská ban
Page 3 and 4:
Composition of the Supervisory Boar
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 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
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Annual report 2004 (PDF, 4141 kB) - Unicredit Bank

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