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Letno Poročilo 2008

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Letno Poročilo 2008 SLIŠIMO VAS! / WE HEAR YOU! LETNO POROCILO ANNUAL REPORT 2008 Vizija Odločeni smo biti med prvimi v razumevanju potreb naših strank. Iščemo možnosti, kako pomagati slovenskim podjetjem v tujini. Smo in želimo ostati ponudnik najbolj naprednih finančnih storitev v Srednji in Vzhodni Evropi. Poslanstvo Smo slovenska banka z mednarodnim zaledjem. V Raiffeisen Banki d.d. združujemo lokalno strokovno znanje in mednarodne izkušnje. Ponujamo celovito paleto kakovostnih storitev in gradimo dolgoročno partnerstvo s komitenti. S tesnim sodelovanjem ponujamo drugim enotam v skupini posebne storitve. Vision We are committed to fully understanding our customers’ needs. We seek ways how to assist Slovenian companies abroad. We have been providing and seek to continue to provide the most advanced financial services in Central and Eastern Europe. Mission We are a Slovenian bank with an international background. At Raiffeisen Banka d.d. we combine local know-how and international expertise. We offer a full range of quality services and build long-term partnerships with our customers. We provide special services to other units of the Group through close co-operation. SLIŠIMO VAS! / WE HEAR YOU! LETNO POROCILO ANNUAL REPORT 2008 Pomembnejši podatki o poslovanju in nekateri kazalci poslovanja RAIFFEISEN BANKA d.d. 2008 2007 2006 Znesek Rast Znesek Rast Znesek Rast BILANCA STANJA Bilančna vsota 1.339.654 6,4 % 1.259.561 31,5 % 957.734 6,1 % Skupni znesek vlog nebančnega sektorja 547.291 23,2 % 444.089 -2,9 % 457.211 8,0 % a) pravnih in drugih oseb 269.453 46,9 % 183.417 -10,4 % 204.612 23,1 % b) prebivalstva 277.838 6,6 % 260.672 3,2 % 252.599 -1,7 % Skupni znesek kreditov nebančnemu sektorju 1.015.071 9,6 % 926.063 68,9 % 548.275 8,5 % a) pravnim in drugim osebam 793.386 11,3 % 713.000 104,5 % 348.631 10,6 % b) prebivalstvu 221.685 4,0 % 213.063 6,7 % 199.644 5,1 % Celotni kapital 61.541 5,0 % 58.619 16,7 % 50.247 33,6 % Oslabitev finan. sred., merj. po odplačni vred. 28.965 1,6 % 28.499 -31,0 % 41.318 4,6 % in rezervacije Obseg zunajbilančnega poslovanja 590.072 20,1 % 491.149 75,5 % 279.783 -0,2 % Povprečne vloge gospodinjstev 278.821 7,3 % 259.946 1,9 % 255.141 0,6 % Povprečni krediti gospodinjstvom 233.474 9,2 % 213.797 3,2 % 207.094 15,8 % IZKAZ POSLOVNEGA IZIDA Čiste obresti 22.850 3,0 % 22.177 22,1 % 18.164 9,1 % Čisti neobrestni prihodki 9.812 7,4 % 9.133 -17,2 % 11.036 11,7 % Stroški dela, splošni in administrativni stroški 25.855 0,2 % 25.815 4,4 % 24.718 16,1 % Oslabitve in rezervacije 996 -114,8 % -6.737 -161,3 % 10.992 -179,7 % Poslovni izid pred obdavčitvijo iz rednega in ustav. posl. 3.991 -62,4 % 10.619 -229,7 % -8.184 -21,3 % Davek iz dohodka pravnih oseb iz rednega in ustav. posl. 1.069 -52,4 % 2.248 -169,8 % -3.219 565,8 % ŠTEVILO ZAPOSLENIH 345 -4,4 % 361 -5,5 % 382 11,0 % DELNICE Število delničarjev 384 -2,0 % 392 -2,5 % 402 -2,0 % Število delnic 241.928 0,0 % 241.928 0,0 % 241.928 18,6 % Nominalna vrednost delnice 58,42 0,0 % 58,42 0,0 % 58,42 0,0 % Knjigovodska vrednost delnice 254,40 5,0 % 242,30 16,7 % 207,69 12,6 % KAZALCI a) Kapital Kapital (znesek) 93.663 67.828 66.372 Kapitalska ustreznost 10,96 8,99 11,47 b) Kvaliteta aktive Oslabitve fin. sred., mer. po odplač. vred. / bruto aktiva 2,00 1,99 3,63 c) Profitabilnost Obrestna marža 1,69 2,08 1,96 Donos na aktivo 0,30 1,00 -0,88 Donos na kapital pred obdavčitvijo 6,16 19,16 -16,63 Donos na kapital po obdavčitvi 4,51 15,10 -10,09 d) Stroški poslovanja Operativni stroški / povprečna aktiva 2,05 2,57 2,85 e) Likvidnost Pov. likvidna sred. / pov. kratkoročne vloge nebančnega 27,97 34,62 23,61 sektorja Povprečna likvidna sredstva / povprečna aktiva 8,94 12,84 9,88 4 WWW.RAIFFEISEN.SI Key data on business operations and selected performance indicators RAIFFEISEN BANKA d.d. 2008 2007 2006 Amount Growth Amount Growth Amount Growth BALANCE SHEET Balance sheet total 1,339,654 6.4% 1,259,561 31.5% 957,734 6.1% Aggregate deposits of non-banking sector 547,291 23.2% 444,089 -2.9% 457,211 8.0% a) Corporate and other clients 269,453 46.9% 183,417 -10.4% 204,612 23.1% b) Retail 277,838 6.6% 260,672 3.2% 252,599 -1.7% Aggregate loans to non-banking sector 1,015,071 9.6% 926,063 68.9% 548,275 8.5% a) Corporate and other clients 793,386 11.3% 713,000 104.5% 348,631 10.6% b) Retail 221,685 4.0% 213,063 6.7% 199,644 5.1% Total equity 61,541 5.0% 58,619 16.7% 50,247 33.6% Impairment of fin. assets, measured at amortised cost and 28,965 1.6% 28,499 -31.0% 41,318 4.6% provisions Volume of off-balance sheet transactions 590,072 20.1% 491,149 75.5% 279,783 -0.2% Average household deposits 278,821 7.3% 259,946 1.9% 255,141 0.6% Average household loans 233,474 9.2% 213,797 3.2% 207,094 15.8% INCOME STATEMENT Net interest 22,850 3.0% 22,177 22.1% 18,164 9.1% Net non-interest income 9,812 7.4% 9,133 -17.2% 11,036 11.7% Labour cost, general and administrative expense 25,855 0.2% 25,815 4.4% 24,718 16.1% Impairments and provisions 996 -114.8% -6,737 -161.3% 10,992 -179.7% Profit or loss before taxation from ordinary activities and 3,991 -62.4% 10,619 -229.7% -8,184 -21.3% discontinued operations Corporate income tax from ordinary activities and discontinu- 1,069 -52.4% 2,248 -169.8% -3,219 565.8% ed operations NUMBER OF EMPLOYEES 345 -4.4% 361 -5.5% 382 11.0% SHARES Number of shareholders 384 -2.0% 392 -2.5% 402 -2.0% Number of shares 241,928 0.0% 241,928 0.0% 241,928 18.6% Nominal value per share 58 0.0% 58.42 0.0% 58.42 0.0% Book value per share 254.40 5.0% 242.30 16.7% 207.69 12.6% INDICATORS a) Capital Capital (amount) 93,663 67,828 66,372 Capital adequacy 10.96 8.99 11.47 b) Quality of assets Impairments of financial assets measured at amortised 2 1.99 3.63 cost / gross assets c) Profitability Interest margin 1.69 2.08 1.96 Return on assets (ROA) 0.3 1 -0.88 Return on equity (ROE) before tax 6.16 19.16 -16.63 Return on equity (ROE) after tax 4.51 15.1 -10.09 d) Operating expenses Operating expenses / average assets 2.05 2.57 2.85 e) Liquidity Average liquid assets / average short-term non-banking sector 27.97 34.62 23.61 deposits Average liquid assets / average assets 8.94 12.84 9.88 WWW.RAIFFEISEN.SI 5 6 WWW.RAIFFEISEN.SI Kazalo Content Poročilo uprave 10 Management Report Uprava Raiffeisen Banke 12 Management Board of Raiffeisen Banka Poročilo nadzornega sveta 14 Supervisory Board Report Raiffeisen Banka in skupina Raiffeisen 16 Raiffeisen Banka and the Raiffeisen Group Osebna izkaznica 20 Raiffeisen Banka at a Glace Delničarska struktura 21 Shareholder Structure Področja poslovanja 25 Business Areas Upravljanje banke 26 Corporate Governance Družbena odgovornost 28 Social Responsibility Raiffeisen Banka v letu 2008 30 Raiffeisen Banka in 2008 Zaposleni 33 Employees POSLOVNO POROČILO BUSINESS REPORT Splošno gospodarsko okolje 36 General Economic Environment Upravljanje s tveganji 39 Risk Management Poslovanje z gospodarskimi družbami 42 Corporate Banking Poslovanje s prebivalstvom 44 Retail Banking Zakladništvo in investicijsko bančništvo 48 Treasury and Investment Banking Informacijska tehnologija in komunikacije 52 IT and Communications VODNIK PO SKUPINI RAIFFEISEN THE RAIFFEISEN GROUP Bančna skupina Raiffeisen 56 Raiffeisen Banking Group Organizacijska shema 58 Organisation Chart Bančna mreža Raiffeisen Banke 60 Raiffeisen Banka’s Network RAČUNOVODSKO POROČILO FINANCIAL REPORT Poročilo o računovodskih izkazih 82 Report on the Financial Statements Revizorjevo poročilo 86 Auditor’s Report Bilanca stanja 90 Balance Sheet Izkazi poslovnega izida 92 Income Statement Izkazi gibanja kapitala 94 Statement of Changes in Equity Izkazi denarnih tokov 96 Statement of Cash Flows Pojasnila k računovodskim izkazom 114 Notes to the Financial Statements WWW.RAIFFEISEN.SI 7 ŠIRIMO MREŽO SODOBNO WE ARE EXPANDING OUR UREJENIH POSLOVALNIC, NETWORK OF MODERN BRANCHES PRILAGOJENIH DANAŠNJEMU ADAPTED TO THE LIFESTYLE OF ŽIVLJENJSKEMU SLOGU TODAY. Prenovili smo poslovalnico v Kopru, We have renovated our branch in Koper, ki je odslej urejena po sodobnih which now follows the latest banking standardih bančnega poslovanja, v standards. In the Tehnopolis Celje tehnološkem parku Tehnopolis Celje pa technology park, we have opened a odprli novo, že štirinajsto poslovalnico new branch of the Raiffeisen Banka, the raiffeisen Banke. Širimo mrežo sodobno fourteenth in line. We are expanding our urejenih poslovalnic, ki se današnjemu network of modern branch offi ces adapted življenjskemu slogu prilagajajo tudi z to the lifestyle and working hours of today. delovnim časom. … ŽELIM SI DOSTOPNO BANKO, TAKO, KI IMA ZAME VEDNO ODPRTA VRATA IN JE TAKOJ ZA VOGALOM, KO JO POTREBUJEM … …I WISH FOR A BANK THAT IS ACCESSIBLE, ITS DOORS ALWAYS OPEN FOR ME, AND IT IS JUST AROUND THE CORNER WHEN I NEED IT… Poročilo uprave / Management Report Poročilo uprave / Management Report Naš odnos s komitenti temelji na zaupanju, ki je v teh We build our relationship with our clients on trust, which is kriznih časih še posebej pomembno.
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