Letno poroÄilo 2009.pdf - UniCredit Banka Slovenija dd

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IntroductionAchievements and Events in 2009UniCredit Group Became the Main Sponsor of InternationalGuest Performances by the La Scala TheatreUniCredit Group became the proud main sponsor of the internationaltour of the La Scala theatre from 2009 to 2013. By supporting thisemblem of excellence, the Group strengthened its commitment tomusic, a universal language that connects people. This sponsorshipalso coincides with the international profile of the Group.Helped Customers to Obtain Favourable Loans with DepositsWe offered competitive interest rates for deposits also to legalentities. If during the period of deposit a company should need funds,they can obtain substitute funds in the same amount under veryfavourable conditions and with no additional costs.Bank of Slovenia Approved Preparations to Enter FoundationIRB Approach (F-IRB) for Calculation of Capital RequirementBetween 20 April and 22 May, the Bank of Slovenia conducted thepre-assessment audit in order to evaluate the on-going preparationactivities for calculation of capital requirement under the FoundationIRB approach for corporate clients. The message that was given to ourBank during the exit meeting was that the overall integration of the IRBapproach within the Bank should be the basis for further developmentof banking business.JUNEOrganized Meeting of EntrepreneursWe organized a meeting of the most influential Slovenianentrepreneurs held at Jable Castle. Among other things, wereached the conclusion that the key factors that will enable furtherdevelopment of the competitiveness of the Slovenian economy willbe new business models for overcoming crisis circumstances and aspreparation for the exploitation of new opportunities during periodsof economic growth. Agreements between social partners must bemore flexible, faster and more effective. The first responsibility of thegovernment is to achieve a positive social and economic climate andthe necessary conditions for a competitive economy on a long-term.With a Last Minute Consumer Loan We Helped RealiseVacation DreamsWe offered a consumer loan to our customers that was characterisedby a fast approval process and non-restricted use of the funds forvacations or larger purchases.Collected Donations to Help Abruzzo Earthquake VictimsThe employees of the Bank have joined the Group initiative to collectdonations to help with the rebuilding of the houses of the victims ofthe earthquake in Abruzzo.Journalists Were Given the Opportunity to Meet With theChairman of the Supervisory BoardOn the occasion of the visit of Federico Ghizzoni in Slovenia, weorganized for the first time a meeting with the representatives of themedia.JULYOffered Free Account Management to Customers Who LostTheir JobsOne of the most negative outcomes of the financial crisis is, withoutdoubt, the loss of employment. We decided to lend a hand to ourcustomers who found themselves in this unenviable situation,by inviting them to bring their unemployment status papers tothe branch office where they have an account open by the end ofNovember 2009. By doing so, they were granted free of chargeaccount management until they find new employment or until end ofDecember, 2010.UniCredit Group Became Sponsor of the UEFA ChampionsLeague for the Next Three SeasonsThe UniCredit Group became a proud sponsor of the UEFAChampions League until 2012. The UEFA Champions League is oneof the most popular international football competitions on club level,followed passionately by one out of every two European citizens.Meeting with the La Scala Ballet DancersPart of the international tour, supported by the UniCredit Group,was also the performance of the La Scala ballet dancers at theLjubljana Summer Festival. Before the start of the show, we invitedrepresentatives of the media and journalists covering cultural topicsto attend a press conference, where they were joined by the bestdancers who performed at the show. After the show, the dancers alsoattended the reception that we organized for our business partners.Concert Echoed in Trenta Also in 2009More than 150 talented music students from Central and EasternEurope answered the call for applications, 23 successfully completedall the tests and were accepted to the Trenta training. For the tenthyear in a row, Bank Austria, a member of the UniCredit Group, incooperation with the Vienna Philharmonics organized the InternationalMusic Forum in Trenta, where talented students were introducedto the sound of one of the best orchestras in the world, throughmaster courses for violin, viola and violoncello players. An intensiveworkshop that lasted ten days and was held in the Trenta national parkwas once again led by teachers and by the best string instrumentplayers of the Vienna Philharmonic. The best participants were giventhe opportunity to introduce themselves to the public during theconcert held at the renowned Musikverein in Vienna. The best amongthem will also have the opportunity to be given an engagement withthe orchestra, since many participants of the International Music130 2009 Annual Report · UniCredit Bank
Forum in Trenta are now playing with the Vienna Philharmonic, whilemany others are engaged with the best European orchestras. Thetraditional event-end concert of solo artists echoed once again at theTrenta Lodge.AUGUSTOffered a Safe and Long-term Option to Enrich Savings withthe Trio Garant Investment Life InsuranceWe offered our customers triple protection in the form of our productTrio Garant: 100 % protection of paid-in funds, 100 % coverage ofinflation across the Euroregion and 10 % return on paid-in funds.We have given them insurance coverage in the case of death in theamount of 110 % of the paid-in funds with the insurance agency’sguarantee and participation in potential return, tied to the businessoperations of the largest European companies and the gold indexvalue.Internal Meeting Marked by Football SpiritThe second anniversary of our new name was celebrated by theLake of PodpeË, where we competed in different football-relatedgames and table football. The best players and teams were awardedthe ››Golden Football Shoe«, we awarded the title of ››Ronaldoof UniCredit«. A special ››Golden Football Shoe« was given tothe member of the Management Board Stefan Vavti for specialachievements in the field of football promotion within the Bank. Thistraditional internal event was thus connected with our sponsorship ofthe UEFA Champions League.SEPTEMBERParticipated in the Issuing of the 15-Year State BondThe Republic of Slovenia issued a mandate to the banks HSBC, RBS,SGCIB and UniCredit Banka Slovenija d.d. to lead bank syndicate thatorganized the new reference issue of the bonds of the Republic ofSlovenia. Within an hour the total orders exceeded 3.9 billion euros,which reflected great interest on the part of investors. The organizerslowered return to 80 bps above interest rate swap and the volume ofissue to 1.5 billion euros.Introduced Special Promotion Deposit with Fixed Interest RateWe started offering an attractive deposit with 4.4 % annual interestrate for 30-month deposits of funds in euros, which is fixed for itsentire duration and offers protection against the trend of decreasinginterest rates. We have added the option of periodic interest payments(monthly, quarterly, half-yearly or annually) and access to substitutefunds before the end of the fixed deposit period.Winning Integrity Charter Day Story Comes from MurskaSobotaOn the occasion of the Integrity Charter Day, we dedicated an hourto our values and discussed how every individual experiences theBank's values, which one is the most important and which one weshould pay more attention to in the future. The discussions werecentered around events in which we showed trust, respect, reciprocityand responsibility in our interaction with the customers and where ouractions were in line with the principle of transparency. During 2009,the two most exposed values were trust and respect, which is also areflection of the current situation on the market. Our employees wrotedown their stories and participated in an internal competition.Issuing of Approval for Advanced Measurement Approach forCalculation of Capital Adequacy for Operational Risk by Bankof SloveniaOn 1 st Seprember 2009 the Bank obtained an official approval bythe Bank of Slovenia to use the Advanced Measurement Approachfor the calculation of the capital adequacy for operational risk.The consequence is not only a lower amount of capital neededfor operational risk, but also very high implemented standards formanaging operational risk within the Bank.OCTOBERChanges in ManagementStefan Vavti, former member of the Management Board of the Bank,responsible for the sales network and sales support, left for a newposition inside the UniCredit Group. He accepted the challenge whichwill make him responsible for the development of the private bankingsegment of the UniCredit Group in Central and Eastern Europe, wherethe Group is present. His position in the Management Board wasgiven to Francesco Vercesi.Winning Consumer Loan with a Favourable Interest RateDuring the UEFA Champions LeagueThe Bank offered a ››winning consumer loan«, which is characterizedby a favourable interest rate that is even lower until the end of May2010. Customers can obtain loans of up to 20,000 euros with thepossibility of repayment periods of up to 10 years.Euromoney Survey: UniCredit Banka Slovenija d.d. is theLeading Banking Services Provider in the Field of CashManagementEuromoney, an international financial magazine, named UniCreditBanka Slovenija d.d. leading banking services provider in the field ofcash managment, based on a survey.Art Day in 22 CountriesOn the second Saturday in October, the doors of the SlovenianEthnographic Museum were open for all the employees of theUniCredit Group, who were invited to attend three exhibitions. Thevisitors were able to see the exhibition entitled Between Nature andCulture, which is a treasury of the Slovenian and European heritageUniCredit Bank · 2009 Annual Report 131
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2009 Letno porocilo / Annual Report
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Kazalo / ContentsPredstavitev Banke
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ciljev. Leto 2010 bo zato leto tran
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• Na trgu dela so se novi pogoji
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Cenjene sodelavke in sodelavci, dov
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Organi upravljanja BankeNadzorni sv
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Poslovna mrežaPE Ljubljana BTCŠma
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po vsej Sloveniji. Ob tej priložno
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100-odstotna zašËita vplaËanih s
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Poslovno poroËiloGospodarsko okolj
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Poslanstvo, vizija in strategijaNa
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Poslovno poroËiloFinanËni rezulta
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finanËnimi instrumenti za stranke,
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FINAN»NE OBVEZNOSTI2009 2008191211
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Poslovno poroËiloPoslovanje Banke
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Poslovno poroËiloPoslovanje Banke
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Poslovno poroËiloObvladovanje posl
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Poslovno poroËiloObvladovanje posl
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Poslovno poroËiloDružbena odgovor
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Jozsef Varga,Valid Dental-Medical N
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PoroËilo nadzornega svetaPoroËilo
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HeaderTitle 24ptDace MarkeviËaUral
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PoroËilo neodvisnega revizorjaPoro
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RaËunovodski izkaziRaËunovodski i
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RaËunovodski izkaziBilanca stanjaV
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RaËunovodski izkaziIzkaz gibanja k
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RaËunovodski izkaziPovzetek raËun
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RaËunovodski izkaziPojasnila k ra
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Page 118 and 119: We UniCredit people are committed t
Page 120 and 121: IntroductionPreface by the Chairman
Page 122 and 123: IntroductionStatement by the Chairm
Page 124 and 125: IntroductionStatement by the Chairm
Page 126 and 127: IntroductionAbout UniCredit Banka S
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Page 130 and 131: IntroductionAchievements and Events
Page 134 and 135: IntroductionAchievements and Events
Page 136 and 137: Business ReportEconomic Environment
Page 138 and 139: Business ReportMission, Vision and
Page 140 and 141: Business ReportFinancial Resultsmil
Page 142 and 143: Business ReportFinancial ResultsFIN
Page 144 and 145: Business ReportBank’s Segment Per
Page 150 and 151: Business ReportManaging Business Ri
Page 152 and 153: Business ReportManaging Business Ri
Page 154 and 155: Business ReportCorporate Sustainabi
Page 162 and 163: Report from the Supervisory BoardRe
Page 164 and 165: HeaderTitle 20ptWolfang M. Heckl,De
Page 166 and 167: Report of AuditorsReport of Auditor
Page 168 and 169: Financial StatementsFinancial State
Page 170 and 171: Financial StatementsBalance SheetIt
Page 172 and 173: Financial StatementsStatement of Ch
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Financial StatementsNotes on the Fi
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Risk ReportRisk ReportOverall Risk
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Risk ReportRisk ReportThe following
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Risk ReportRisk ReportThe Bank’s
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Risk ReportRisk ReportThe principal
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Risk ReportRisk Reportsecurities, c
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Risk ReportRisk ReportBalance sheet
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Risk ReportRisk ReportTotal volume
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Risk ReportRisk ReportLiquidity Ris
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Risk ReportRisk ReportBalance sheet
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Risk ReportRisk Report• Achieve a
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Risk ReportRisk ReportCapital Manag
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Financial StatementsTitle 24ptJerzy
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