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2007 Letno Poročilo Annual Report

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2007 Letno Poročilo Annual Report Letno poročilo Annual Report LETNO 2007 POROČILO 2007 ANNUAL REPORT 2007 1. POMEMBNEJŠI PODATKI O POSLOVANJU IN NEKATERI KAZALCI POSLOVANJA od leta 2005 do leta 2007* *podatki še niso po reviziji Raiffeisen Banka d.d. Leto 2007 Leto 2006 Leto 2005 rast/ rast/ rast/dec. znesek dec.p.l znesek dec.p.l znesek p. l. BILANCA STANJA Bilančna vsota 1.259.561 131,51 957.734 106,08 902.815 135,66 Skupni znesek vlog nebančnega sektorja 444.851 97,30 457.211 108,04 423.184 121,42 a) pravnih in drugih oseb 183.416 89,64 204.612 123,12 166.185 162,72 b) prebivalstva 261.435 103,50 252.599 98,29 256.999 104,31 Skupni znesek kreditov nebančnemu sektorju 926.062 168,90 548.275 108,54 505.121 137,69 a) pravnim in drugim osebam 713.000 204,51 348.631 110,60 315.229 137,98 b) prebivalstvu 213.062 106,72 199.644 105,14 189.893 137,20 Celotni kapital 58.619 116,66 50.247 133,62 37.605 116,18 Oslabitev finan. sred., merj. po odplačni vred. in rezervacije 28.555 69,11 41.318 104,57 39.514 153,20 Obseg zunajbilančnega poslovanja 491.149 175,55 279.783 99,77 280.431 124,22 Povprečne vloge gospodinjstev 259.946 101,88 255.141 100,62 253.570 104,10 Povprečni krediti gospodinjstvom 213.797 103,24 207.094 115,83 178.787 159,73 IZKAZ POSLOVNEGA IZIDA Čiste obresti 22.180 122,11 18.164 109,10 16.648 112,33 Čisti neobrestni prihodki 9.133 82,76 11.036 111,75 9.876 169,20 Stroški dela, splošni in administrativni stroški 25.815 104,44 24.718 116,15 21.281 124,68 Oslabitve in rezervacije -6.736 -61,28 10.992 -79,73 -13.787 841,91 Poslovni izid pred obdavčitvijo iz rednega in ustav. posl. 10.619 +129,75 -8.184 78,75 -10.393 -2.733,83 Davek iz dohodka pravnih oseb iz rednega in ustav. posl. 2.248 69,83 3.219 482,41 667 0,00 ŠTEVILO ZAPOSLENIH 361 94,50 382 111,05 344 109,21 DELNICE Število delničarjev 417 103,73 402 98,05 410 93,61 Število delnic 24.928 100,00 241.928 118,63 203.928 138,73 Nominalna vrednost delnice 58 100,00 58,42 100,00 58,42 100,00 Knjigovodska vrednost delnice 242,30 116,66 207,69 112,63 184,40 83,75 KAZALCI v % v % v % a) Kapital Kapital (znesek) 67.828 66.372 53.046 Kapitalska ustreznost 8,99 11,47 9,63 b) Kvaliteta aktive Oslabitve fin. sred., mer. po odplač. vred./ bruto aktiva n/a 3,63 3.92 c) Profitabilnost Obrestna marža 2,08 1,96 2,21 Donos na aktivo 2,94 -0,88 -1,37 Donos na kapital pred obdavčitvijo 1,00 -16,63 -26,97 Donos na kapital po obdavčitvi 19,16 -10,09 -25,24 d) Stroški poslovanja Operativni stroški/povprečna aktiva 2,57 2,85 3,05 e) Likvidnost Pov. likvidna sred./pov. kratkoročne vloge nebančnega sektorja 34,62 23,61 59,45 Povprečna likvidna sredstva/povprečna aktiva 12,84 9,88 205,93 1. FINANCIAL HIGHLIGHTS AND SELECTED INDICATORS for the period 2005 - 2007* *unaudited figures RAIFFEISEN BANKA d.d. 2007 2006 2005 Amount Gro/ Amount Gro/ Amount Gro/Dec. Dec.p.y Dec.p.y p. y. BALANCE SHEET Balance sheet total 1,259,561 131.51 957,734 106.08 902,815 135.66 Aggregate deposits of non-banking sector 444,851 97.30 457,211 108.04 423,184 121.42 a) Corporate and other clients 183,416 89.64 204,612 123.12 166,185 162.72 b) Retail 261,435 103.50 252,599 98.29 256,999 104.31 Aggregate loans to non-banking sector 926,062 168.90 548,275 108.54 505,121 137.69 a) Corporate and other clients 713,000 204.51 348,631 110.60 315,229 137.98 b) Retail 213,062 106.72 199,644 105.14 189,893 137.20 Total equity 58,619 116.66 50,247 133.62 37,605 116 .18 Impairment of fin. assets measured at amortised cost and provisions 28,555 69.11 41,318 104.57 39,514 153.20 Volume of off-balance sheet transactions 491,149 175.55 279,783 99.77 280,431 124.22 Average household deposits 259,946 101.88 255,141 100.62 253,570 104.10 Average household loans 213,797 103.24 207,094 115.83 178,787 159.73 INCOME STATEMENT Net interest 22,180 122.11 18,164 109.10 16,648 112.33 Net non-interest income 9,133 82.76 11,036 111. 7 5 9,876 169.20 Labour cost, general and administrative expense 25,815 104.44 24,718 116 .15 21,281 124.68 Impairments and provisions -6,736 -61.28 10,992 -79.73 -13,787 841.91 Profit or loss before taxation from ordinary activities and discontinued operations 10,619 +129.75 -8,184 78.75 -10,393 -2,733.83 Corporate income tax from ordinary activities and discontinued operations 2,248 69.83 3,219 482.41 667 0.00 NUMBER OF EMPLOYEES 361 94.50 382 111. 0 5 344 109.21 SHARES Number of shareholders 417 103.73 402 98.05 410 93.61 Number of shares 24,928 100.00 241,928 118.63 203,928 138.73 Nominal value per share 58 100.00 58.42 100.00 58.42 100.00 Book value per share 242.30 116.66 207.69 112.63 184.40 83.75 INDICATORS in % in % in % a) Capital Capital (amount) 67,828 66,372 53,046 Capital adequacy 8.99 11. 47 9.63 b) Quality of assets Impairments of financial assets measured at amortised cost/gross assets n/a 3.63 3,92 c) Profitability Interest margin 2.08 1.96 2.21 Return on assets (ROA) 2.94 -0.88 -1.37 Return on equity (ROE) before tax 1.00 -16.63 -26.97 Return on equity (ROE) after tax 19.16 -10.09 -25.24 d) Operating expenses Operating expenses/average assets 2.57 2.85 3.05 e) Liquidity Average liquid assets/average short-term non- banking sector deposits 34.62 23.61 59.45 Average liquid assets/average assets 12.84 9.88 205.93 Raiffeisen Banka d.d. UVODNI DEL / FOREWORD VIZIJA VISION Odločeni smo biti med prvimi v razumevanju We are committed to fully understanding our customers’ potreb naših strank. needs. V Raiffeisen Banki združujemo lokalno strokovno At Raiffeisen Banka we combine local know-how and znanje in mednarodne izkušnje. international expertise. Raiffeisen Banka je del bančne skupine Raiffeisen, Raiffeisen Banka is part of the Raiffeisen Group, which ki je ponudnik najbolj naprednih finančnih storitev provides the most advanced financial services in Central v Srednji in Vzhodni Evropi. and Eastern Europe. POSLOVNO POROČILO RAČUNOVODSKO POROČILO VODNIK PO SKUPINI RAIFFEISEN www.raiffeisen.si BUSINESS REPORT FINANCIAL STATEMENTS THE RAIFFEISEN BANK 5 Ko je hotel Primož Trubar nagovoriti svoje rojake, se je znašel pred zahtevno nalogo: zapisati jezik, ki bo blizu ljudem različnih stanov in iz različnih dežel z zelo različnimi govoricami. Z odločenostjo in znanjem je postavil osnove slovenskega knjižnega jezika. Pred podobno nalogo je tudi sodobna banka, ki se mora tankočutno približati potrebam sodobnega posameznika in podjetij z vsemi njihovimi posebnostmi in željami. When Primož Trubar decided to address his fellow citizens, he found himself facing a daunting task – to write in a language that would be familiar to people of dierent social backgrounds and from dierent regions, where dierent dialects were spoken. Relying on his determination and knowledge, Trubar laid the foundations of literary Slovene. A modern bank faces a similar task, having to show the utmost consideration for the specic needs and requirements of a modern individual or company. Raiffeisen Banka d.d. UVODNI DEL / FOREWORD POSLANSTVO MISSION Ponujamo celovito paleto kakovostnih storitev in We offer a full range of quality services and build long- gradimo dolgoročno partnerstvo s komitenti. term partnerships with our customers. Iščemo možnosti, kako pomagati slovenskim We continually seek ways to assist Slovenian companies podjetjem v tujini. abroad. S tesnim sodelovanjem ponujamo drugim enotam v We provide special services to other units of the Group skupini posebne storitve. through close co-operation. Smo vez med finančnimi in nefinančnimi tokovi v We provide a link between financial and non-financial skupini Raiffeisen. services within the Raiffeisen Group. POSLOVNO POROČILO RAČUNOVODSKO POROČILO VODNIK PO SKUPINI RAIFFEISEN www.raiffeisen.si BUSINESS REPORT FINANCIAL STATEMENTS THE RAIFFEISEN BANK 7 UVODNI DEL / FOREWORD Raiffeisen Banka d.d. www.raiffeisen.si UVODNI DEL POROČILO UPRAVE RB IN SKUPINA RAIFFEISEN 8 FOREWORD MANAGEMENT REPORT RB AND THE RAIFFEISEN GROUP Raiffeisen Banka d.d. UVODNI DEL / FOREWORD KAZALO CONTENTS Poročilo uprave 10 Management Report 10 Uprava RB 12 RB Management Board 12 Poročilo nadzornega sveta 13 Supervisory Board Report 13 RB in skupina Raiffeisen 16 RB and the Raiffeisen Group 16 RB in RI – sorodne korenine 18 RB and RI – Common Roots 18 Osebna izkaznica 20 RB at a Glance 20 Delničarska struktura 21 Shareholder Structure 21 Področja poslovanja 25 Business Areas 25 Upravljanje banke 25 Corporate Governance 25 Družbena odgovornost 28 Corporate Responsibility 28 RB v letu 2007 30 RB in 2007 30 Zaposleni 33 Employees 33 Poslovno Poročilo Business Report Splošno gospodarsko okolje 37 General Economic Environment 37 Upravljanje s tveganji 40 Risk Management 40 Poslovanje z gospodarskimi družbami 43 Corporate Banking 43 Poslovanje s prebivalstvom 45 Retail Banking 45 Zakladništvo in investicijsko bančništvo 50 Treasury and Investment Banking 50 Informacijska tehnologija in komunikacije 57 IT and Communications 57 Računovodsko Poročilo Financial Statements Revizorjevo poročilo 62 Auditor’s Report 62 Računovodski izkazi banke 70 Balance Sheet 70 Pojasnila k računovodskim izkazom 96 Notes on the Financial Statements 96 Vodnik po skupini Raiffeisen The Raiffeisen Group Bančna mreža RB 182 RB Network 182 POSLOVNO POROČILO RAČUNOVODSKO POROČILO VODNIK PO SKUPINI RAIFFEISEN www.raiffeisen.si BUSINESS REPORT FINANCIAL STATEMENTS THE RAIFFEISEN BANK 9 POROČILO UPRAVE / MANAGEMENT REPORT Raiffeisen Banka d.d.
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