Letno poroÄilo 2009.pdf - UniCredit Banka Slovenija dd

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Andrej Slokar,univ.dipl.inž.kem.teh.Stranka podroËjaposlovanja s podjetji - SlovenijaKo ste nam v letuglobalne finanËne krizes pomoËjo vaše izvrstneekipe finanËnikovomogoËili realizacijociljne naloge- investicijov opremo za proizvodnjosladoleda, ste nas dejanskopovezali v skupni EUprostor. V vašem odnosuin kalibriranju je Ëutitispoštovanje in odgovornostdo gospodarstva ingospodarstvenikov.Hvala.«Z UniCreditje enostavno.
Kazalo / ContentsPredstavitev Banke 1Nagovor predsednika nadzornega sveta 4Nagovor predsednika uprave 6Predstavitev UniCredit Banka Slovenija d.d. 10Organi upravljanja banke 11Organizacijska shema 12Poslovna mreža 13Dosežki in dogodki v letu 2009 14Intruduction 116Preface by the Chairman of the Supervisory Board 118Statement by the Chairman of the Management Board 120About UniCredit Banka Slovenija d.d. 124Governing Bodies 125Organisational Structure 126Branch Network 127Achievements and Events in 2009 128Poslovno poroËilo 19Gospodarsko okolje v letu 2009 19Poslanstvo, vizija in strategija 21FinanËni rezultati 23Poslovanje Banke na razliËnih segmentih 28Poslovanje s prebivalstvom in malimi podjetji 28Poslovanje s podjetji 29FinanËni trgi 30Podpora prodaji 31Zaledno poslovanje 31Izzivi leta 2010 32Obvladovanje poslovnih tveganj 34Upravljanje s tveganji 34Informacijska podpora poslovanju 34Družbena odgovornost 37Business Report 133Economic Environment in 2009 133Mission, Vision and Strategy 135Financial Results 137Bank’s Segment Performance Review 142Retail and Small Business Banking 142Corporate Banking 143Markets 144Sales Support 145Back-Office 146Challenges of the Year 2010 146Managing Business Risks 148Risk Management 148Information Technology Support 148Corporate Sustainability 151PoroËilo nadzornega sveta 45Report from the Supervisory Board 159Izjava o odgovornosti 47Statement of Responsibility 161PoroËilo neodvisnega revizorja 49Report of Auditors 163RaËunovodski izkazi 52Financial Statements 166BanËna tveganja 94Risk Report 206UniCredit Bank · 2009 Letno poroËilo
Page 1: 2009 Letno porocilo / Annual Report
Page 7 and 8: ciljev. Leto 2010 bo zato leto tran
Page 9 and 10: • Na trgu dela so se novi pogoji
Page 11 and 12: Cenjene sodelavke in sodelavci, dov
Page 13 and 14: Organi upravljanja BankeNadzorni sv
Page 15 and 16: Poslovna mrežaPE Ljubljana BTCŠma
Page 17 and 18: po vsej Sloveniji. Ob tej priložno
Page 19 and 20: 100-odstotna zašËita vplaËanih s
Page 21 and 22: Poslovno poroËiloGospodarsko okolj
Page 23 and 24: Poslanstvo, vizija in strategijaNa
Page 25 and 26: Poslovno poroËiloFinanËni rezulta
Page 27 and 28: finanËnimi instrumenti za stranke,
Page 29 and 30: FINAN»NE OBVEZNOSTI2009 2008191211
Page 32 and 33: Poslovno poroËiloPoslovanje Banke
Page 34 and 35: Poslovno poroËiloPoslovanje Banke
Page 36 and 37: Poslovno poroËiloObvladovanje posl
Page 38 and 39: Poslovno poroËiloObvladovanje posl
Page 40 and 41: Poslovno poroËiloDružbena odgovor
Page 46 and 47: Jozsef Varga,Valid Dental-Medical N
Page 48 and 49: PoroËilo nadzornega svetaPoroËilo
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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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BanËna tveganjaBanËna tveganjaBil
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BanËna tveganjaBanËna tveganjaObs
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BanËna tveganjaBanËna tveganjaBaz
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BanËna tveganjaBanËna tveganjaUpr
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We UniCredit people are committed t
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IntroductionPreface by the Chairman
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IntroductionStatement by the Chairm
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IntroductionStatement by the Chairm
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IntroductionAbout UniCredit Banka S
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126 2009 Annual Report · UniCredit
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IntroductionAchievements and Events
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Business ReportEconomic Environment
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Business ReportMission, Vision and
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Business ReportFinancial Resultsmil
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Business ReportFinancial ResultsFIN
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Business ReportBank’s Segment Per
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Business ReportManaging Business Ri
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Business ReportManaging Business Ri
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Business ReportCorporate Sustainabi
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Report from the Supervisory BoardRe
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HeaderTitle 20ptWolfang M. Heckl,De
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Report of AuditorsReport of Auditor
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Financial StatementsFinancial State
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Financial StatementsBalance SheetIt
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Financial StatementsStatement of Ch
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Financial StatementsSummary of Acco
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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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