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

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the reimbursement from the customers. Acceptances are accounted for as off-balance sheet transactions and are disclosed as contingent liabilities and commitments. (s) Fiduciary activities Assets managed and revenues arising from such assets, as well as obligations to return such assets to clients, are not entered in these financial statements if the Group acts as the agent, trustee or broker. (t) Comparatives Where necessary, comparative figures have been adjusted to conform with changes in presentation in the current year. 2 NET INTEREST INCOME 31 December 2004 31 December 2003 CZK m CZK m Interest income Interest from cash and short term funds 137 116 Interest from trading securities 117 144 Interest from available-for-sale securities 26 35 Interest from securities borrowed and reverse repos 225 289 Interest from loans and advances 927 940 1 432 1 524 Interest expense Interest to banks and customers 483 637 Interest from securities lent and repos 11 12 Other borrowed funds 77 55 571 704 Net interest income 861 820 76
3 NET FEE AND COMMISSION INCOME 31 December 2004 31 December 2003 CZK m CZK m Fee and commission income Domestic and foreigner countries payment 110 99 Commission income 94 64 Credit related fees and commissions 92 82 Fee income in respect of payment card transactions 35 33 Custody fees 22 24 Asset management and related fees 8 76 Fee income from trading securities and derivatives services 7 23 368 401 Fee and commission expense Expense from interbank transactions 11 8 Fee expense in respect of payment card transactions 23 16 Brokerage fees paid 15 26 Expense from other operations 3 2 52 52 Net fee and commission income 316 349 4 NET TRADING INCOME 31 December 2004 31 December 2003 CZK m CZK m Securities and derivative instruments 32 72 Foreign exchange gains 222 227 254 299 Foreign exchange gains include gains and losses from spot and forward contracts, and translated foreign currency assets and liabilities. Securities and derivative instruments include the results of making markets in instruments in government securities, corporate debt securities, money market instruments, interest rate and currency swaps and other derivatives. Equities trading income includes the results of making markets in equity securities. 77
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 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: Property, plant and equipment and i
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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