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

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17 LOANS AND ADVANCES TO CUSTOMERS 31 December 2004 31 December 2003 CZK m CZK m Loans to individuals: - Overdrafts 79 46 - Term loans 249 246 - Mortgages 2 979 1 864 Loans to corporate entities: - Direct commercial loans 17 901 17 855 - Sub-participation loans 1 412 1 784 - Other 2 512 1 406 Gross loans and advances to customers 25 132 23 201 Revaluation of hedged loans 9 17 Provision for impairment - 872 -770 Net loans and advances to customers 24 269 22 448 The loan balances as at 31 December 2004 and 2003 include loans to related parties that are described further below. The gross amounts as at 31 December 2004 and 2003 best represent maximum credit risk exposure of the Group on these transactions without taking account of the fair value of any collateral. Movements in provisions for impairment are as follows: 2004 2003 CZK m CZK m Balance at 1 January 770 822 Net change in provisions (Note 8) 102 -52 Balance at 31 December 872 770 86
18 SECURITIES AVAILABLE-FOR-SALE 31 December 2004 31 December 2003 CZK m CZK m Other bonds and similar debt securities - listed 757 771 Shares and similar equity securities - listed 12 12 - unlisted 10 10 Bonds and other debt securities 779 793 Bonds and other debt securities in the available-for-sale portfolio at 31 December 2004 include CZK 757 million of securities bearing fixed interest until maturity (31 December 2003: CZK 771 million). 19 SECURITIES HELD-TO-MATURITY The Bank does not classify any securities as held-to-maturity. 87
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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
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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
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: 31 December 2004 31 December 2003 N
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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