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Sberbank A.D. Banja Luka Sberbank A.D Godišnji izvještaj Annual Report Sberbank a.d. Banja Luka Sberbank a.d. Banja Luka Jevrejska 71 78 000 Banja Luka Kontakt centar: 0800 59 999 Tel.: 00387 51 24 11 00 Faks: 00387 51 21 33 91 www.sberbankbl.ba 2 SBERBANK a.d. Banja Luka | GODIŠNJI IZVJEŠTAJ 2017 | SBERBANK EUROPE I SBERBANK BANJA LUKA Sadržaj/Content SBERBANK EUROPE 3 RIJEČ UPRAVE 4 ORGANI UPRAVLJANJA 6 MAKROEKONOMSKO OKRUŽENJE 7 ANALIZA POSLOVANJA 9 FINANSIJSKI IZVJEŠTAJI 23 IZVJEŠTAJ O FINANSIJSKOM POLOŽAJU 26 IZVJEŠTAJ O SVEOBUHVATNOJ DOBITI 27 IZVJEŠTAJ NEZAVISNOG REVIZORA 25 IZVJEŠTAJ O NOVČANOM TOKU 29 NAPOMENE UZ FINANSIJSKE IZVJEŠTAJE 30 SBERBANK EUROPE 98 FORWORD BY MANAGEMENT BOARD 99 GOVERNING BODIES 101 ECONOMIC ENVIRONMENT 102 BUSINESS ANALYSIS 104 FINANCIAL STATEMENTS 117 INDEPENDENT AUDITORS’ REPORT 119 STATEMENT OF FINANCIAL POSITION 120 STATEMENT OF COMPREHENSIVE INCOME 121 STATEMENT OF CASH FLOWS 123 NOTES TO THE FINANCIAL STATEMENTS 124 NAŠA MREŽA / OUR NETWORK 188 Centrala / Head Office 188 Mreža poslovnica/ Branch network 188 SBERBANK a.d. Banja Luka | GODIŠNJI IZVJEŠTAJ 2017 | SBERBANK EUROPE I SBERBANK BANJA LUKA 2 Sberbank grupacija O Sberbank Europe Lakoća: Sberbank Europe će i dalje raditi na konstatnom unapređivanju svog poslovanja, i upravljanja kroz cijelu Sberbank Europe AG sa sjedištem u Beču je bankarska Gru- Grupaciju, na najučinkovitiji način. pacija u 100% vlasništvu Sberbank Rusija najveće banke u Federaciji Rusije koja servisira više od 70% ruske populacije. Nefinansijski pokazatelji uspjeha Sberbank Europe, je prisutna na osam tržišta u Evropi: u Aus- triji, Njemačkoj, Bosni i Hercegovini (Sarajevo i Banja Luka), Sberbank Europe prepoznaje potrebu redovnog Hrvatskoj, Češkoj, Mađarskoj, Sloveniji i Srbiji. U Njemačkoj, izvještavanja o svom uticaju na društvo, privredu i okolinu. Sberbank Direct posluje sa fizičkim licima putem onlajn po- Grupacija nastoji da obezbijedi transparentnost svojih od- nude osnovnih bankarskih proizvoda. U Austriji, Sberbank Eu- luka i aktivnosti koje imaju uticaja na društvo, privredu i rope posluje sa pravnim licima, pri čemu je fokus poslovanja životnu sredinu. Na osnovu zahtjeva za izvještavanjem u na tržištima centralne i istočne Evrope, Rusije i Zajednice ne- skladu sa novim Zakonom o unapređenju održivosti i di- zavisnih država. Sberbank Europe ima više od 665.000 klijen- verziteta (Sustainability and Diversity Improvement Act ata, 190 filijala i zapošljava oko 4.000 radnika širom Evrope. (NaDiVeG)), Sberbank Europe je objavila konsolidovani ne- Ukupna aktiva Sberbank Europe AG iznosi 12,6 milijardi evra finansijski izvještaj za 2017. godinu sa ciljem da transpar- (zaključno sa decembrom 2017. godine). entno informiše zainteresovane strane o svojim osnovnim nefinansijskim pokazateljima uspjeha. Izvještaj je dostu- Poslovni model Sberbank Europe AG pan na internet stranici Sberbank Europe. Društveno odgovorno poslovanje Poslovni model Sberbank Europe AG zasniva se na četiri stuba: Sberbank Europe AG Profitabilnost:Prateći povoljan razvoj na CEE tržištima Sber- Glavna uloga Sberbank Europe je da doprinese ekonom- bank Europe će se fokusirati na optimalno korištenje kapitala i skom razvoju zemalja u kojima je prisutna (osam tržišta resursa kako bi dalje razvijala poslovanje podružnica. u centralnoj i istočnoj Evropi) uglavnom unapređujući Samofinansiranje: Pored dosadašnjih postignuća u optimi- dostupnost finansijskih usluga za domaćinstva, mikro, zaciji diverzifikacije izvora finansiranja i kako bi se smanjila -za mala i srednja preduzeća kao i korporativne klijente. Os- visnost od podrške akcionara, Sberbank Europe će intenzivno novni cilj Sberbank Europe je da obezbijedi mogućnost raditi na mudrom upravljanju kapitalom i upravljanju rizikom korištenja njenih usluga. Vodeći društveno odgovorno po- ponderisane aktive kako bi se postigao maksimalan povrat na slovanje ona konstantno poboljšava kvalitet svojih proiz- kapital. voda i usluga, povećavajući bezbjednost bankarskih trans- Moderni tokovi: Sberbank Europe će nastaviti da unapređuje akcija, i uvodeći najmodernije alate i tehnologije kako bi se svoje digitalne resurse i razvija adekvatan miks fizičkog i digi- unaprijedio finansijski život njenih klijenata. talnog prisustva, što će obezbijediti zadovoljstvo klijenata. SBERBANK a.d. Banja Luka | GODIŠNJI IZVJEŠTAJ 2017 | SBERBANK EUROPE I SBERBANK BANJA LUKA 3 Riječ Uprave Poštovani akcionari, klijenti i zaposleni, obaveza servisiranja spoljnog duga javna potrošnja je stagnirala i imala neutralan efekt na ekonomski rast tokom Koristimo ovu priliku da vam sa ponosom prikažemo rezultate posmatranog perioda. U okviru investicija vrijedi istaći da našeg poslovanja u 2017. godini. Protekla godina je bila puna lo- je Bosna i Hercegovina u 2017. godini zabilježila znatan rast kalnih i globalnih izazova, počevši od implementacije novog Za- priliva direktnih stranih ulaganja. Kada se posmatra uku- kona o bankama s jedne strane, preko pooštravanja sankcionih pna slika ekonomskog rasta u Bosni i Hercegovini u 2017. mjera prema ruskim poslovnim subjektima i državljanima, pa godini čini se da je najznačajniji iskorak napravljen u okviru sve do usklađivanja sa novim računovostvenim standardima izvoznog sektora što se ponajviše odnosi na robni izvoz i IFRS9. Banka je ostvarila odlične godišnje rezultate uprkos izvozno orijentisane grane prerađivačke industrije. Posma- složenom poslovnom okruženju. trano na nivou trećeg kvartala 2017. godine nominalni rast robnog izvoza dodatno je uvećan i iznosio je 23% u odnosu U pogledu na privredu Republike Srpske u 2017. godini je na isti kvartal prethodne godine dok je porast proizvodnje zabilježen rast od 3% BDP-a, u skladu sa prognozama. Ako u okviru prerađivačke industrije u istom vremenskom peri- se detaljnije posmatra struktura ostvarenog rasta BDP- odu iznosio 9%. Imajući u vidu prisustvo cjenovnog efekta a vidljivo je da su najznačajniji doprinosi rasta ostvareni u i činjenicu da je trgovinski bilans u realnom smislu smanjen domenu privatne potrošnje, zatim investicija i pozitivnog za 2%, te povećanje izvoza usluga i pozitivan trend priliva spoljnotrgovinskog bilansa. Povećanje broja zaposlenih od iz inostranstva može se zaključiti da je izvozni sektor bio oko 2,5%, povećanje novčanih priliva iz inostranstva kao ključni generator ekonomskog rasta u 2017. godini. i porast kreditnih plasmana su se odrazili na povećanje raspoloživog dohotka stanovništva što je rezultiralo Najveća poteškoća sa kojom se susreće privreda Repub- povećanjem privatne potrošnje. Ovo potvrđuje i podatak lika Srpska je odliv radne snage tj. emigracija stanovništva. da je tokom navedenog perioda došlo do povećanja uvoza Odlazak radno sposobnog stanovništva iz BiH predstavlja roba široke potrošnje i povećanja prometa u maloprodaji sve veći problem, što potvrđuju i podaci Unije za održivi za oko 5%. I dok je privatna potrošnja predstavljala glavni povratak i integracije BiH prema kojima je od 2013. godine generator rasta ukupne potrošnje odnosno BDP-a, s dru- zemlju napustilo više od 150.000 ljudi, od čega je samo ge strane zbog procesa fiskalne konsolidacije i povećanja 4 SBERBANK a.d. Banja Luka | GODIŠNJI IZVJEŠTAJ 2017 | RIJEČ UPRAVE Riječ Uprave u 2017. godini u inostranstvo otišlo otprilike 35 hiljada aktivnosti fokusirala na održavanje nivoa kreditnog port- stanovnika. folia i unapređenje njegovog kvaliteta. U prethodnoj godini smo takođe proširili svoju distributivnu mrežu povećanjem Bankarsko tržište je tokom 2017. godine stabilizovalo svoje broja bankomata i POS uređaja. Pored ovoga realizova- poslovanje, te su na kraju 2017. godine sve banke na tržištu na su značajna ulaganja u informatičko-komunikacione iskazale dobit, koja je je bila veća za 48% u odnosu na 2016. tehnologije, unapređenje alternativnih kanala prodaje, te godinu. Po zahtjevu MMF-a Narodna skupština Repub- zapošljavanje novih radnika. like Srpske je 30. decembra 2016. godine usvojila Zakon o bankama Republike Srpske kojim se uređuje poslovanje Budućnost bankarstva ne počinje sutra nego je počela banaka. Zakon o bankama je donio mnoge izmjene za po- već danas – ovo je princip na osnovu kojeg Banka raz- slovanje banaka na tržištu Republike Srpske, sa kojim su se vija buduće planove i shodno kojem se izrađuje digitalna banke usklađivale tokom 2017. godine. strategija. Živimo u okruženju koje ima sve manje vreme- na, te se razvija brzo, a mi smo svjesni da moramo držati Konkurencija na bankarskom tržištu je i dalje oštra, a njena korak sa očekivanjima klijenata koji se svakodnevno mjen- glavna karakteristika je građenje konkurentske pozicije u jaju. Postaćemo brži i efikasniji u razvoju novih, inova- prvom redu politikom niskih cijena što dodatno vrši priti- tivnih, digitalnih proizvoda i usluga. Trudićemo se da naše sak na već nisku profitnu maržu. tehnologije premaše očekivanja naših klijenata. U narednoj godini ćemo nastaviti da uvodimo nove, te dodatno razvi- Godišnja dobit Sberbank a.d. Banja Luka je nakon oporezivan- jamo postojeće proizvode i usluge. Cilj nam je da očuvamo ja iznosila 5,3 miliona KM što predstavlja povećanje dobiti za dobru finansijsku poziciju i solidnu zarađivačku sposobnost 31% u odnosu na prošlu godinu. Operativni prihodi su iznosili Banke, dodatno ojačavajući raspoložive resurse, gradeći 45 miliona KM i u odnosu na prethodnu godinu su uvećani za dobru startnu poziciju Banke za naredni razvojni ciklus 4%. Operativni prihodi su brže rasli od operativnih rashoda, naše privrede. čime se pokazalo da smo kvalitetno ulagali u svoje resurse u prethodnim godinama podižući produktivnost i poslovne
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