Letno poroÄilo 2009.pdf - UniCredit Banka Slovenija dd

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Report from the Supervisory BoardReport from the Supervisory BoardUse of Net Profit and Accumulated Profitfor Fiscal Year 2009In 2010, the Bank’s Management Board presented for discussionto the Supervisory Board the Resolution on use of the net profit forfiscal year 2009 in the amount of 8,798,350.62 euros and the draftResolution on use of accumulated profit for fiscal year 2009 in theamount of 4,399,175.31 euros. Given the planned expansion ofoperations in 2010, and in subsequent years, the Management Boardproposed, in accordance with the adopted mid-term plans of theBank and with a view to meeting the capital adequacy requirements,that the Bank’s net profit be allocated, in its entirety, to other Bankreserves instead of being distributed to shareholders or otherpersons. The Bank's Management Board also proposed that theSupervisory Board and the General Meeting of Shareholders adoptthe proposed Resolution on the use of net profit for fiscal year 2009,in accordance with their powers. The adoption of such a resolutionwill allow for the Bank’s future growth.The Supervisory Board adopted the Resolution on use of the netprofit for 2009, approved the Management Board’s proposal for theuse of accumulated profit for 2009, and recommended to adopt it inthe proposed form at the General Meeting of Shareholders.Operations of the Supervisory BoardAudit CommitteeThe Audit Committee of the Bank’s Supervisory Board had fourregular meetings and one correspondence meeting in 2009. Asan advisory body of the Supervisory Board, the Audit Committee’soperations include assessing, advisory and proposing functions,whereby it aids the Supervisory Board with the fulfilment of its dutiesand responsibilities regarding: adequacy and effectiveness of internalaudit banking procedures, including assessment and measurementof risks and risk management; compliance with the legislation,rules and policies governing the Bank’s operations; adequacy ofaccounting standards, used for preparation of financial statements;adequacy and independence of external banking auditors andprovision of employees within the Internal Audit unit.financial statements for fiscal year 2009 and an additional Auditreport on meeting the criteria for managing risks in the bank fromfirst paragraph of Article 211 of the Banking Act, both prepared bythe certified auditing company KPMG Slovenija d.o.o., allowingthe Supervisory Board to formulate a position on the Bank’s AuditReport.The Supervisory Board reviewed the Annual Report, submitted bythe Bank’s Management Board. It established that the Annual Reportwas consistent with the reports and information on the Bank'sperformance in 2009, as well as with the reports on the economicand political environment in which the Bank operates and whichwere presented to the Supervisory Board during the course of thefiscal year. Comparing the Annual Report with the audited financialstatements for fiscal year 2009, the Supervisory Board establishedthat the financial results presented in the Annual Report wereconsistent with the Audit Report. Having examined the reports,findings and recommendations of the Internal Audit and externalauditors, the Bank’s Management Board took these recommendationsinto consideration and carried out the activities necessary for theirimplementation or ensured their initiation. In the opinion of theSupervisory Board, both the Management Board and the SupervisoryBoard fulfilled all their legal requirements in fiscal year 2009. Basedon the regular monitoring of the Bank’s operations and the abovementioned reviews, the Supervisory Board approved the AnnualReport on the Bank’s business operations in 2009.The Audit Report on the review of the financial statements for fiscalyear 2009, which was presented to the Supervisory Board along withthe Annual Report, also includes the opinion of the certified auditor.The certified auditor issued an unqualified opinion. The SupervisoryBoard was briefed about the Bank's Audit Report for 2009 andabout an additional Audit report on meeting the criteria for riskmanagement for 2009 and had no objections thereto.The Supervisory Board deems its work in 2009 as professional andin line with the valid legislation and internal rules of the UniCreditGroup.Federico GhizzoniChairman of the Supervisory BoardUniCredit Banka Slovenija d.d.Annual Report for 2009The Bank’s Management Board prepared the Annual Report onthe business operations of UniCredit Banka Slovenija d.d. in2009 and presented it to the Supervisory Board for review by thelegally prescribed deadline. Together with the Annual Report, theSupervisory Board also received the Audit Report on the review of160 2009 Annual Report · UniCredit Bank
Statement of ResponsibilityStatement of ResponsibilityThe Management is responsible for preparing the financialstatements for the financial year. These give a true and fair viewof the state of affairs of UniCredit Banka Slovenija d.d. as of theend of the financial year and of the profit or loss and cash flowfor that year. The financial statements are prepared on a goingconcernbasis.In preparing the financial statements in annual report for the yearended 31 December 2009, the management has used appropriateaccounting policies, consistently applied and supported them byreasonable and prudent judgments and estimates, and ensuredthat all accounting standards which they consider significant havebeen followed.The Management has the responsibility for ensuring that theBank keeps accounting records which disclose with reasonableaccuracy the Bank’s financial position and which enable themanagement to ensure that the financial statements comply inall material respects with the regulations of the Government ofthe Republic of Slovenia, the Central Bank of Slovenia and theInternational Financial Reporting Standards as adopted by the EU.The Management also has a general responsibility to take suchsteps as are reasonably required to safeguard the assets of theBank and to prevent and detect any fraud and other irregularities.On behalf of the ManagementDr. France ArharChairmanof the Management BoardJanko Medja, MBAMemberof the Management BoardFrancesco VercesiMemberof the Management BoardLjubljana, March 2010UniCredit Bank · 2009 Annual Report 161
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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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BanËna tveganjaBanËna tveganjaCel
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BanËna tveganjaBanËna tveganjaDel
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BanËna tveganjaBanËna tveganjaKre
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BanËna tveganjaBanËna tveganjasku
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BanËna tveganjaBanËna tveganjaKot
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BanËna tveganjaBanËna tveganjaBil
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BanËna tveganjaBanËna tveganjaObs
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BanËna tveganjaBanËna tveganjaLik
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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
Page 128 and 129: 126 2009 Annual Report · UniCredit
Page 130 and 131: 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 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
Page 174 and 175: Financial StatementsSummary of Acco
Page 182 and 183: Financial StatementsNotes on the Fi
Page 208 and 209: Risk ReportRisk ReportOverall Risk
Page 210 and 211: 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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