Letno poroÄilo 2007 - UniCredit Banka Slovenija dd

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Accounting ReportAccounting ReportFinancial Indicators 149Balance Sheet 150Statement of Income 151Statement of Changes in Shareholders’ Equity 152Cash Flow Statement 153Summary of Accounting Policies 154Notes on the Financial Statements 162148 2007 Annual Report · UniCredit Bank
Financial Indicators2007 2006 2005Balance sheet EUR 1,000Volume of assets 2,132,693 2,187,291 1,883,434Deposits, non-banks 721,539 594,162 625,401Deposits, legal and other entities 370,875 371,466 421,512Deposits, private customers 350,664 222,696 203,889Loans, non-banks 1,595,225 1,266,621 1,003,896Loans, legal and other entities 1,159,762 948,895 791,588Loans, private customers 435,463 317,726 212,309Equity 163,615 146,868 138,309Impairment of assets, measured at amortised cost 16,181 12,144 13,177Provisions for off balance sheet items 1,071 1,429 890Off balance sheet items 5,765,607 2,600,533 1,106,695Income statementNet interest income 35,750 32,902 29,010Net non interest income 20,278 15,704 10,730Staff expenses (15,424) (13,125) (11,545)Other administrative expenses (13,419) (12,399) (8,397)Depreciation (3,165) (2,919) (2,544)Provisions (4,306) (5,408) (2,954)Net income before taxes 19,712 14,754 14,299Corporate income tax (4,531) (3,822) (3,349)EmployeesNumber of employees at 31. 12. 450 417 391Ordinary sharesNumber of shareholders 28 28 28Book value of the ordinary shares for nominal values:EUR 417.29 - 3,766.93 3,716.33EUR 41.73 - 376.69 371.63EUR 4.17 41.96 37.67 37.16Number of shares for nominal values:EUR 417.29 - 13,000 13,000EUR 41.73 - 120,028 120,028EUR 4.17 3,898,878 1,398,598 1,221,378EquityCapital adequacy 8.50 9.50 10.30Assets quality and commitmentsProvisions for assets measured at amortised costs/Volume of assets 0.76% 0.56% 0.70%Provisions for commitments/Off balance sheet items 9.47% 17.52% 30.39%ProfitabilityInterest margin 1.81 1.70 1.82Return on assets before taxes 1.00 0.76 0.64Return on equity before taxes 12.69 10.35 9.84Return on equity after taxes 9.77 7.67 7.61Operating costsOperating costs/average assets volume 1.62 1.47 1.43LiquidityRisk weighted assets 1,632,425 1,052,532 859,610Average liquid assets/average assets 8.11 7.70 5.99Average liquid assets/average short-term deposits nonbanks 27.85 29.46 21.92Margin of financial brokerage 2.84 2.51 2.55UniCredit Bank · 2007 Annual Report 149
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Izkušnja umetnostiLeto 2007 je bil
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Predstavitev bankeNagovor predsedni
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Predstavitev bankePredstavitev UniC
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12 2007 Letno poroËilo · UniCredi
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Predstavitev bankeDosežki in dogod
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Poslovno poroËiloGospodarsko okolj
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Poslovno poroËiloPoslanstvo, vizij
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UniCredit Bank · 2007 Letno poroË
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10080Prihodki5% 6%27% 30%tega posla
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evrov) banka beleži tekoËe davke
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Poslovanje bankena razliËnih segme
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Pozitivni rezultati v letu 2007 so
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krizo v ZDA, je enota trgovanja v l
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Visoka stopnjaohranjanja strank9070
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Obvladovanje poslovnih tveganjFinan
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Indeks rasti števila uporabnikov /
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Družbena odgovornostV UniCredit Ba
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okolju in pri delovnih nalogah. Sre
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kar vodi v hud konkurenËni boj, v
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PoroËilo nadzornega svetaPoroËilo
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PoroËilo neodvisnega revizorjaPoro
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FinanËni kazalniki2007 2006 2005Bi
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Izkaz poslovnega izidaZap.πtev.Vse
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Izkaz finanËnega izidaOznaka Vsebi
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Primerjalni zneskiZaradi zagotavlja
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) Posojila in terjatvePosojila in t
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neopredmetenih dolgoroËnih sredste
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Odložene terjatve za davek so znes
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Dolžniški vrednostni papirjiEUR 1
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Neto izvedeni finanËni instrumenti
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Pojasnilo 8:Opredmetena osnovna sre
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Pojasnilo 11:Druga sredstvaEUR 1.00
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2006EUR 1.000Zapravnonerešenetožb
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Pojasnila k izkazu poslovnega izida
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Pojasnilo 25:»isti dobiËki/izgube
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Pojasnilo 30:Oslabitve finanËnih s
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GarancijeEUR 1.000 2007 2006Stanje
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Izkaz poslovnega izidaEUR 1.000 200
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UniCredit Banka Slovenija d.d. pren
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Basel II prviË vzpostavlja odnos m
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BilanËne postavke v razliËnih val
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Bilanca stanja po zapadlosti na dan
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Kreditno zavarovanjeZ namenom zmanj
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pozicije tveganja, ki presegajo dop
Page 99 and 100: Obseg izvedenih finanËnih instrume
Page 101 and 102: Regulatorni kapital in stopnja kapi
Page 103 and 104: The art experience2007 was a format
Page 105 and 106: 2007, performed under difficult mar
Page 107 and 108: While analyzing the balance sheet,
Page 109 and 110: We proved that ourBank carries a tr
Page 111 and 112: Governing BodiesSupervisory BoardNa
Page 113 and 114: Branch NetworkBRANCH LJUBLJANA BTC
Page 115: September 2007Interactive Web Site
Page 118 and 119: Business ReportEconomic Environment
Page 120 and 121: Business ReportMission, Vision and
Page 122 and 123: Business ReportFinancial ResultsIn
Page 124 and 125: Business ReportFinancial ResultsSta
Page 126 and 127: Business ReportFinancial ResultsLia
Page 128 and 129: Business ReportBank’s Segment Per
Page 136 and 137: Business ReportManaging Business Ri
Page 138 and 139: Business ReportManaging Business Ri
Page 140 and 141: Business ReportSocial Responsibilit
Page 142 and 143: Business ReportSocial Responsibilit
Page 145 and 146: Report from the Supervisory BoardRe
Page 147: Statement of ResponsibilityStatemen
Page 152 and 153: Accounting ReportBalance SheetPosit
Page 154 and 155: Accounting ReportStatement of Chang
Page 156 and 157: Accounting ReportSummary of Account
Page 164 and 165: Accounting ReportNotes on the Finan
Page 184 and 185: Risk ReportRisk ReportOverall Risk
Page 186 and 187: Risk ReportRisk ReportUniCredit Ban
Page 188 and 189: Risk ReportRisk ReportBalance sheet
Page 190 and 191: Risk ReportRisk ReportLiquidity Ris
Page 192 and 193: Risk ReportRisk ReportCredit RiskCr
Page 194 and 195: Risk ReportRisk ReportOperational R
Page 196 and 197: Risk ReportRisk ReportTotal volume
Page 198 and 199: Risk ReportRisk ReportFair Value of
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Graphic development and Composition
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