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

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Consolidated Balance Sheet for the Year Ended 31 December As at 31 December Notes <strong>2004</strong> 2003 CZK million CZK million ASSETS Cash and balances with central bank 12 1 979 1 811 State treasury and other bills eligible for refinancing with central bank 13 606 1 377 Due from other banks 14 12 428 17 368 Trading securities 15 4 413 3 423 Derivative financial instruments 16 260 111 Loans and advances to customers 17 24 269 22 448 Securities available-for-sale 18 779 793 Securities held-to-maturity 19 0 0 Other assets 21 197 199 Current tax asset 0 4 Deffered tax asset 10 41 0 Property, plant and equipment 20 1 456 1 346 Intangible assets 20 108 90 Total assets 46 536 48 970 LIABILITIES Due to other banks 22 5 389 4 766 Due to customers 23 33 228 34 678 Derivative financial instruments and other trading liabilities 16 256 952 Debt securities in issue 24 2 654 3 413 Subordinated debt 25 1 000 1 000 Other liabilities 26 771 826 Provisions 27 37 90 Current tax liability 24 135 Total liabilities 43 359 45 860 SHAREHOLDERS’ EQUITY Ordinary shares (1,360,410 shares fully paid) 1 360 1 360 Retained earnings 734 667 Statutory reserve fund 272 272 Other reserves 811 811 Total shareholders’ equity 3 177 3 110 Total shareholders’ equity and liabilities 46 536 48 970 These consolidated financial statements have been approved for issue by the Board of Directors on 16 March 2005 and signed on its behalf by Mr Jiří Kunert, Chairman of the Board of Directors and by Mr Aleš Barabas, Member of the Board of Directors. The following notes form an integral part of these consolidated financial statements. 66
Consolidated Income Statements of Changes in Shareholders’ Equity Year Ended 31 December Share capital Statutory reserve fund Other reserves Retained earnings Total Equity CZK million CZK million CZK million CZK million CZK million Balance at 1 January 2003 1 360 272 811 500 2 943 Net profit 0 0 0 167 167 Balance at 31 December 2003 1 360 272 811 667 3 110 Net profit 0 0 0 67 67 Balance at 31 December <strong>2004</strong> 1 360 272 811 734 3 177 Nature and purpose of the reserve balances is presented in Note 27. The following notes form an integral part of these consolidated financial statements. 67
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 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: Consolidated Financial Statement au
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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