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G O V O R K R a Lj E
MIRAŠ MARTINOVIĆ G O V O R K R A LJ E V A MIRAŠ MARTINOVIĆ GOVOR KRALJEVA MIRAŠ MARTINOVIĆ Autorovo izdanje Na koricama Freska u starome Stonu na kojoj zetski kralj Mihailo Vojislavljević drži model svoje zadužbine (XI vijek) G O V O R K R A LJ E V A Kompjuterska obrada Nebojša Glumac (NAKNADNO DOPISANA ISTORIJA) 2008.-2011. Lektura Mirjana Šoć Štampa Grafokarton, Prijepolje Tiraž 500 primjeraka 2011. Govor kraljeva Sve ima svoje nove trenutke, pa i ono što se čini da je zauvijek prošlo. Kraljevstva i ljudi. Kraljevi, događaji, istorija, ukupno trajanje. Mjesta i legende. Sveti- telji. Bitke i pobjede. Hramovi krunidbeni i hramovi narodni. Knjige koje su nestale u plamenu i vremenu. Kroz kraljevstvo riječi usposta- vilo se novo kraljevstvo. Još jedan dokaz da riječ traje duže od svega i da jednom izgovorena nikada ne umire. Jednom povučene granice, uprkos brisanjima, uspostavljene su trajno u našoj imaginaciji, u na- šoj kolektivnoj svijesti. Toliko puta poricano i krivotvoreno, Dukljansko kraljevstvo se po- novo vaspostavilo. Učinila je to naša svijest o njemu. I kad smo tu svijest probudili, shvatili smo da Kraljevstvo nikada nije nestajalo, da je uvijek bilo tu gdje jeste. Ono u nama i mi u njemu. 5 Miraš Martinović Govor kraljeva USPOSTAVLJENO KRALJEVSTVO SVAKO SJEĆANJE JE SADAŠNJOST... N O V A L I S Iz Opšteg pamćenje se vaspostavljalo: kraljevi, događaji, snovi, nepro- lazni sveti govor. Ne slijedeći istorijski hod, već neku dublju sopstve- nu i opštu intuiciju, artikulisao sam ih u riječi. Slijedio sam vrijeme kako su se pojavljivali u mojoj imaginaciji, oni koji su bili vremenom dodirnuti. -
Herrscher B Ö H M
Herrscher in Ost- Europa B ö h m e n Krönungsinsignien bis 1918 Boiohaemum ļ Böhmen Seit dem Mittelalter war Böhmen ein Reichslehen u. damit unmittelbarer Teil des Heiligen Römischen Reiches. ,P-DKUKXQGHUW]lKOWHQGLH3ĜHP\VOLGHQ]XGHQE öhmischen Lokalfürsten (Herzögen). Ihr Sitz war die mittelböhmische Burgstätte Levý Hradec. Gegen Ende des 9. Jahrhunderts verlegten sie ihren Sitz auf die neu gegründete Prager Burg. Königswürde der Premysliden seit 1085. Verleihung der Königswürde 1198 durch Philipp v. Schwaben, seit 1212 erblich u. seit 1356 durch die Goldene Bulle im unbestrittenen Besitz der Kurwürde. In Personalunion mit Österreich-Ungarn 1527-1918. Nach dem Ersten Weltkrieg schlossen sich Böhmen, die Slowakei u. Mähren zum neuen Staat der Tschechoslowakei zusammen. Premysliden-Wappen Legendäre Herrscher Herzog Tschech. Urvater u. Namensgeber aus den Karpaten, führte sein Volk in die neue Heimat. Tschech Seine Brüder: Lech (Urvater der Polen) Rus (Urvater der Russen) † 86jährig Herzog Krok. Wohlhabender u. weiser Richter. Krok Töchter: Kazi, Ärztin, heilte mit Kräutern verschieden Krankheiten. Teta, Priesterin, führte einen heidnischen Kult ein. Libuse, jüngsten Tochter, Wahrsagerin u. Richterin. Nachfolgerin des Vaters. Stammmutter der Premysliden-Dynastie. Herzogin Libuse. Tochter u. Nachfolgerin von Herzog Krok. V. Böhmen. Libuse Ehe mit Premysl d. Pflüger, mit der Ehe Übernahme der Herrschaft in Böhmen. Herzog Premysl d. Pflüger. Mythischer Stammvater der böhmischen Premysliden. Premysl Gründer der Stadt Prag. Ehe mit der Wahrsagerin Libuse, Tochter von Herzog Krok u. Stammmutter der Premysliden-Dynastie. Herzog Nezamysl Nezamysl Herzog Mnata Mnata Herzog Vojen Vojen Herzog Vnislav Vnislav Herzog Kresomysl Kresomysl Herzog Neklan Neklan Herzog Hostivit Hostivit Sohn: Borivoj I. , Nachfolger in Böhmen. Premysliden - Dynastie Herzog Borivoj I. -
Student Handbook 2021 – 2022
Student handbook 2021 – 2022 www.croatia.rit.edu 1 2 TABLE OF CONTENTS Welcome ................................................................................................................................... 5 Student Services ........................................................................................................................ 6 President & Dean ...................................................................................................................... 10 Associate Dean for Academic Affairs ......................................................................................... 10 Campus Ombudspersons ........................................................................................................... 10 Faculty ...................................................................................................................................... 11 Professional & Academic Expectations ..................................................................................... 11 College Hours & Weekend Access ............................................................................................. 12 Bulletin Boards ......................................................................................................................... 12 RIT DCE Account ................................................................................................................... 13 RIT UID (University ID Number) .......................................................................................... 14 AAI Electronic -
Addiko Bank A.D. Beograd Annual Report 2020 Key Data Addiko Bank A.D
Addiko bank a.d. Beograd Annual Report 2020 Key data Addiko Bank a.d. Beograd operating results based on the financial statements prepared in accordance with the IFRS 2020 2019 Income statement (in RSD ‘000) 01-Jan to 31-Dec 01-Jan to 31-Dec Net operating income 4,656,220 4,953,980 Net interest income 3,413,710 3,584,298 Net fee and commission income 1,242,510 1,369,682 Other operating income 528,690 668,586 Operating expenses -4,176,459 -4,248,008 Operating result before credit risk provisions 1,008,451 1,374,558 Credit risk provisioning costs -425,157 -226,370 Income tax -39,954 -40,493 Result for the period after tax 543,340 1,107,695 Balance sheet (in RSD ‘000) 31.12.2020 31.12.2019 Loans and receivables due from clients 71,669,829 67,586,939 Deposits and financial liabilities due to clients 66,588,521 60,988,985 Equity 22,759,282 22,386,667 Total assets 101,461,847 94,756,170 Key performance ratios 2020 2019 Net interest income/total assets 3.36% 3.78% Cost to income ratio (CIR) 71.02% 67.18% Tier 1 capital ratio 26.40% 26.30% Total capital adequacy ratio 26.40% 27.05% Headcount as of the reporting date 532 558 Number of branches 36 37 Letter from the Executive Board Poštovani, Poslovanje u 2020. godini obeleženo je pandemijom koronavirusa i pre svega izazovima u domenu bezbednosti i zdravlja kako zaposlenih tako i klijenata kao i izazovima vezanim za održivost kontinuiteta poslovanja. -
Annual Report 2019
Annual Report 2019 Key data based on the financial statements drawn up in accordance with IFRS 1) EUR m Selected items of the Profit or Loss statement 2019 2018 +/-(%) Net banking income 51.9 48.8 6.4% Net interest income 41.0 38.9 5.7% Net fee and commission income 10.9 9.9 10.1% Net result on financial instruments 1.4 5.4 -74.1% Other operating result -2.9 -2.3 26.1% Operating expenses -27.7 -26.6 4.1% Operating result before change in credit loss expense 22.7 25.4 -10.6% Credit loss expenses on financial assets 2.0 2.2 -9.7% Tax on income -6.2 9.5 -165.3% Result after tax 18.4 37.2 -50.5% Performance ratios 2019 2018 +/-(%) Net interest income/total average assets 2.5% 2.5% 0.0% Return on tangible equity 10.3% 21.7% -52.5% Cost/income ratio 53.3% 54.5% -2.2% Cost of risk ratio -0.1% -0.2% -50.0% Selected items of the Statement of financial position 2019 2018 +/-(%) Loans and advances to customers 1,203.3 1,240.2 -3.0% o/w gross performing loans 1,184.6 1,145.5 3.4% Deposits of customers 1,223.2 1,174.2 4.2% Equity 181.6 173.8 4.5% Total assets 1,617.3 1,618.1 0.0% Risk-weighted assets 1,045.0 1,028.4 1.6% Balance sheet ratios 2019 2018 +/-(%) Loan to deposit ratio 96.4% 95.1% 2.4% NPE ratio 1.5% 1.9% -22.1% NPE coverage ratio 70.6% 70.6% 0.0% Liquidity coverage ratio 205.6% 155.2% 32.5% Common equity tier 1 ratio 15.5% 13.5% 14.8% Total capital ratio 17.0% 14.9% 14.1% 1) The indicators are calculated in accordance with the Instructions for the preparation of the statement of financial position, income statement and statement of comprehensive income and the calculation of indicators of operations of banks and savings banks (3.12.2019) Annual Report 2019 Content MANAGEMENT LETTER FOR 2019 ........................................................................................ -
Bosna Krallık Soyu Kotromanićlerin Aslı Hakkındaki Tartışmalar
Bosna Krallık Soyu Kotromanićlerin Aslı Hakkındaki Tartışmalar Osman KARATAY Tarihçi-Yazar Özet: Bosna, 6. yy sonunda Avar ve Slavlarca Bizans’tan alınmış, kısa sürede kalabalık Slav kitlelerince iskan edilmiştir. Avarlar bu ülkeyi kendi atadıkları, çoğunlukla Avar veya Bulgar asıllı kimselerle yönetmişlerdir. 8. yy sonunda Avar devleti çökmüş, toprakları Bulgar ve Frank devletleri ile kısmen Bizans arasında paylaşılmıştır. Bosna ise arada kalmış, yabancı güçler burada kalıcı bir hâkimiyet kuramamışlardır. Avar döneminden kalma ‘ban’ ve ‘jupan’ adını taşıyan derebeyleri, o zamanlar şimdiki Orta Bosna’daki küçük bir banlık olan Bosna’nın etrafında bir araya gelmişler ve federal bir görünüm taşıyan Ortaçağ Bosna devletini kurmuşlardır. 12. yy’ın ortalarına kadar kaynaklar Bosna hakkında çok belirsiz ve muğlak bilgiler verirler. Öyle ki bu dönemde Bosna’nın devlet oluşu bile tartışılmaktadır. Böyle bir ortamda, devleti yöneten Kotromanić sülalesinin aslını tespit etmek çok zordur. Kaynaklar bize, komşu Sırp, Hırvat ve Karadağ devletlerinin aksine, Bosna’da sürekli ve kökü eskilere dayanan bir hanedan olduğunu gösteriyor. Bu hanedanın Avarlar tarafından atanan banlara dayandığında tarihçiler hemfikirdir. Ancak Kotro-man kelimesinin açıklanamaması, bu ailenin kökleri hakkında tartışmalara, özellikle Alman kökeni iddiasının çıkmasına sebep olmuştur. Bu kelime büyük ihtimalle Bulgar Türklerinin kişi ismi olarak çok kullandığı, aynı zamanda bir Bulgar kabilesinin de ismi olan Kotur’a dayanmaktadır. Bosna’yı Avarlar adına ilk işgal edenler Koturoğurlar idi ve 15. yy’ın ikinci yarısında bile Bosna’da onların kalıntılarından bahsediliyordu. Bu isim pek çok yer adında da korunmuştur. Hanedanın ismindeki -man eki ise Alman iddiasını değil, Bosna krallarının Türk asıllı olduğu ihtimalini güçlendirmektedir. Anahtar Kelimeler: Bosna, Ortaçağ, Avar, Bulgar, Koturoğur, Kotromanić _________________________________________________________ bilig ♦ Güz 2002 ♦ Sayı 23:103-128 103 bilig 2002 Güz Sayı 23 Geçtiğimiz yıl kaybettiğimiz, Saraybosna Üniversitesi’nden Prof Dr. -
Q4 and Full Year 2020 Report
Q4 and full year 2020 report 18 February 2021 Presenters: Henrik Wennerholm, CEO, and Fredrik Olsson, CFO This presentation contains forward-looking statements. Such statements are based on our current expectations and are subject to certain risks and uncertainties that could negatively affect our business. Please refer to our website for a better understanding of these risks and uncertainties. Unless otherwise stated, figures in parentheses relate to the preceding comparable period in 2019 © DDM Holding AG 2021 AGENDA 1. Key developments 2. Financials 2020 3. Summary 2 Key highlights: 2020 Key highlights Geographic locations • Record performance Invested assets, book value by country, – Net collections of EUR 115m Q4 2020 – Cash EBITDA of EUR 102m Romania & Other 2% Czech Rep 2% Slovenia 3% • Portfolio resilient supported by high quality secured Hungary 7% assets resulting in less than 1% revaluation EUR Austria 24% 138m Croatia • Deleveraged balance sheet following bond buybacks 62% and repurchases totaling EUR 36m during H2 2020 • Strong capital and liquidity position ahead of bond refinancing Company headquarters in Switzerland Net collections FY 20201) Cash EBITDA FY 20201) Listed on Nasdaq First North (Stockholm) EUR 115m EUR 102m Invested markets Cash Q4 2020 120-month ERC Q4 2020 EUR 31m EUR 258m 3 1) Includes incremental net distribution from joint venture Key developments: 2020 Summarizing the full year • Successfully restructured the Greek transaction we first entered into in 2017 • Accelerated net collections of approximately -
A BRIEF History of Serbia
A BRIEF history of Serbia From the Foundation to the Ottomans To Look for: • Look for the following themes in history (write down examples) • 1-political intrigue • (using greater powers to get something, switching sides) • 2-example of tolerance • (getting along w/ other ethnicities/religions) • 3-examples of infighting • (Serbians fighting Serbians for power) • 4-examples of a ‘Holy’ empire (leaders doing things for God, Serbia being a faithful servant to God) Serbia today Kingdom of Serbia, (1555) greatest extent A little Background on the Serbs • 1st Serbian Kingdom began around 1036 in the area of modern day Montenegro. • It was started by Stefan Vojislav, who renounced his allegiance to the emperor in Constantinople and moved his support to Rome and began to bring neighboring Serbian tribes under his control • (Playing ruling powers off one another) Zeta Serbs become Orthodox • -the land became known as Zeta and was 1st ruled by a Catholic • -civil wars and power struggles broke and power shifted to Raska where Sefan Nemanja founded a dynasty and that would rule for the next 200 yrs. and created an expanding Serbia • -The Nemanjas united the Serbs and gave them a Serbian identity centered around the church (Stefan had become a prisoner of Emperor Emanuel in Constantinople and had been introduced to Byzantine culture, when he returned he was determined to bring back to the Serbs The Nemanjan Serbian Kingdom in pink The Nemanjas • -As the Bulgarian state grew in the Balkans, they did not capture the Nemanja’s capital of Raska • the -
Financial Statements
Financial statements for the year ended 31 December 2019 and Independent auditor’s report This version of the report is a translation from the original, which was prepared in Bosnian language. All possible care has been taken to ensure that the translation is an accurate representation of the original. However, in all matters of interpre- tation of information, views or opinions, the original language version of our financial reports and the accompanying audit report takes precedence over this translation. 0 Annual report 2019 Key data based on the financial statements drawn up in accordance with IFRS (000) BAM Selected items of the Profit or Loss statement YE19 YE18 Change (%) Net banking income 40,611 36,906 10.0% Net interest income 27,581 24,337 13.3% Net fee and commission income 13,030 12,569 3.7% Net result on financial instruments 1,081 298 >100% Other operating result -1,684 -3,056 44.9% Operating expenses -32,346 -32,192 0.5% Operating result before change in credit loss expense 7,662 1,956 >100% Credit loss expenses on financial assets -372 6,804 >100% Tax on income 0 0 Result after tax 7,290 8,760 -16.8% Performance ratios YE19 YE18 Change (pts) Net interest income/total average assets 2.9% 2.7% 0.24 Return on tangible equity 3.6% 4.3% -0.71 Cost/income ratio 77.0% 84.0% 7.00 Cost of risk ratio 0.04% -1.5% 1.54 Selected items of the Statement of financial position Dec19 Dec18 Change (%) Loans and receivables to customers 542,309 494,724 9.6% o/w gross performing loans 542.492 495,318 9.5% Deposits of customers 728,279 654,725 11.2% Equity 215,050 204,223 5.3% Total assets 986,996 890,324 10.9% Risk-weighted assets 713,429 633,430 12.6% Balance sheet ratios Dec19 Dec18 Change (pts) Loan to deposit ratio 74.5% 75.6% 1.10 NPE ratio 7.7% 11.0% -3.30 NPE coverage ratio 86.1% 87.6% -1.50 Liquidity coverage ratio 412.0% 530.0% -118.0 Common equity tier 1 ratio 26.1% 27.3% -1.22 Total capital ratio 26.1% 27.3% -1.22 1 Annual report 2019 Letter from the CEO Dear All, Addiko Bank dd Sarajevo ended 2019 successfully, in line with its plans. -
Annual Report 2020
Management Report Annual Report 2020 This version of the report is a translation from the original, which was prepared in Serbian language. All possible care has been taken to ensure that the translation is an accurate representation of the original. However, in all matters of interpreta- tion of information, views or opinions, the original language version of our financial reports and the accompanying audit re- port takes precedence over this translation. Annual Report 2020 0 1. Management Report Key data based on the consolidated financial statements prepared in accordance with the accounting regulations applicable to banks in Republika Srpska (RS), which are based on the Law on Accounting and Auditing in RS, Law on Banks of RS, and bylaws of the Banking Agency of RS. BAM ths Selected items of the Profit or Loss statement 2020 2019 (%) Net banking income 38,345 37,555 2.1% Net interest income 25,699 25,035 2.7% Net fee and commission income 12,646 12,520 1.0% Net result on financial instruments 133 317 -58.0% Other operating result -4,175 -1,539 >100% Operating expenses -27,461 -28,355 -3.2% Operating result 6,842 7,978 -14.2% Other result -2,532 -731 >100% Credit loss expenses on financial assets -14,916 -543 >100% Tax on income 2,601 16 >100% Result after tax -8,005 6,720 >100% Performance ratios 2020 2019 (pts) Net interest income/total average assets 3.1% 3.0% 0.1% Return on average tangible equity -5.5% 4.4% -9.9% Cost/income ratio 71.6% 75.6% -4.0% Cost of risk ratio 1.8% 0.1% 1.7% Selected items of the Statement of financial -
Mihailo Popovic
Online-Handbuch zur Geschichte Südosteuropas Mihailo Popović Der Balkan vom Ende des Ersten bulgarischen Reiches bis zum Beginn des Zweiten bulgarischen Reiches aus Band 1: Herrschaft und Politik in Südosteuropa bis 1800 Inhaltsverzeichnis 1. Die Aufstandsbewegung des Zaren Samuil 2. Zum Herrschaftsgefüge im 11. Jahrhundert 3. Die neuen Machtverhältnisse des 12. Jahrhunderts Zitierempfehlung und Nutzungsbedingungen für diesen Artikel 2 Mihailo Popović Der Balkan vom Ende des Ersten bis zum Zweiten bulgarischen Reich 1. Die Aufstandsbewegung des Zaren Samuil Zu den einschneidenden geschichtlichen und sozialgeschichtlichen Ereignissen auf der Balkan- halbinsel des ausgehenden 10. Jahrhunderts zählt ohne Zweifel die Aufstandsbewegung des Zaren Samuil. Samuils herrschaftliches Kerngebiet lässt sich im Polygon Prespa, Hagios Germanos, Seti- na, Bitola und Ochrid verorten. Aus diesem heraus entfaltete er ab dem Jahre 976 seine Expansion gegen das Byzantinische Reich.1 In besagtem Kerngebiet wurden zwei altslawische Inschriften von bedeutender wissenschaftlicher Tragweite gefunden. 1 Srđan Pirivatrić, Samuilova država. Obim i karakter [Der Staat Samuils. Umfang und Charakter]. Beograd 1997 (Vizantološki institut Srpske akademije nauka i umetnosti; Posebna izdanja, 21), 78f. Diese Monographie wurde auch in die bulgarische Sprache übersetzt: ders., Samuilovata dăržava. Obhvat i harakter [Der Staat Samuils. Umfang und Charakter]. Sofija 2000. Überaus zahlreich und mannigfaltig sind die Publikationen zu Zar Samuil und zu seinem Herrschaftsgebiet. Als Beispiele seien hier angeführt: Vasil Zlatarski, Istorija na bălgarskata dăržava prez srednite vekove [Die Geschichte des Bulgarischen Staates im Mittelalter], Bd. 1: Părvo bălgarsko carstvo [Das Erste bulgarische Reich], Teil 2. Sofija 1994; Božidar Prokić, Die Zusätze in der Handschrift des Johannes Skylitzes codex Vindobonensis hist. graec. LXXIV. Ein Beitrag zur Geschichte des sogenannten westbulgarischen Reiches. -
TFP Vienna Participants List
PARTICIPANTS LIST Karmen Margaryan Horst Hirsch David Heynes ACBA-Credit Agricole Bank CJSC, Armenia Accuity, Germany Accuity, United Kingdom [email protected] [email protected] [email protected] Biljana Jacimovic Borka Erceg Maja Arsin Addiko bank a.d. Banja Luka, Bosnia and Addiko Bank A.D. Beograd, Serbia Addiko Bank A.D. Beograd, Serbia Herzegovina, Bosnia and Herzegovina [email protected] [email protected] [email protected] Aleksandar Konatar Danijela Stojaković Csongor Nemeth Addiko Bank AD Podgorica, Montenegro Addiko Bank AG, Croatia Addiko Bank AG, Austria [email protected] [email protected] [email protected] Željko Đukanović Sanja Pasqualin Lenard Ivana Rajndl Addiko Bank AG, Austria Addiko Bank AG, Croatia Addiko Bank AG Vienna, Austria [email protected] [email protected] [email protected] Marija Vučina Vanja Kojzek Indira Enkhbayar Addiko bank d.d., Sarajevo, Bosnia and Addiko Bank d.d., Slovenia, Slovenia Agricultural Bank of China, Luxembourg Herzegovina [email protected] [email protected] [email protected] Stephanie Meier-Sydow Artemis Perogianni Athanasios Pavlidis AKA Bank, Germany Alpha Bank, Greece Alpha Bank, Greece [email protected] [email protected] [email protected] Tudor Taslaoanu Ahmet Kinalisoy Sakir Sömek Alpha Bank Romania S.A., Romania Alternatifbank, Turkey Alternatifbank, Turkey [email protected] [email protected] [email protected]