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Sberbank Srbija A.D
Annual Report 2012 Sberbank Srbija a.d. Sadržaj/Contents Sberbank Srbija i Sberbank Evropa 02 Uvodna reČ IzvrŠnog odbora 03 Ključni pokazatelji 2004-2012 04 Analiza poslovanja 05-08 Finansijski izveštaj 09-15 Bilans uspeha 10 Bilans stanja 11-12 Izveštaj o promenama na kapitalu 13 Izveštaj o novčanim tokovima 14-15 Izveštaj nezavisnog revizora 16 Izveštaj Upravnog odbora 17 About Sberbank and Sberbank Europe 18 Foreword from the Executive Board 19 Key facts 2004-2012 20 Lines of business 21-24 Financial Statements 25-31 Income statement 26 Balance sheet 27-28 Statement of changes in shareholders’ equity 29 Cash flow statement 30-31 Independent auditor’s report 32 Board of Directors annual report 33 Sberbank Srbija i Sberbank Evropa Ukraine Czech Republic Slovakia Austria Hungary Slovenia Croatia Bosnia and Herzegovina Serbia U februaru 2012. godine bivšu Volksbank Internatio- ji, Hrvatskoj, Bosni i Hercegovini, Srbiji i Ukrajini. Banka nal AG – sada Sberbank Europe AG – preuzela je ruska ima ukupno 280 ekspozitura i 4 400 zaposlenih (na dan Sberbank. 31. 12. 2012.). Sberbank je najveća banka u Rusiji i poseduje gotovo Sberbank je jedna od najprofitabilnijih finansijskih ins- jednu trećinu svih sredstava ruskog bankarskog sektora. titucija u svetu i vodeći igrač na tržištu po tome što Centralna banka Ruske Federacije je osnivač i većinski obezbeđuje inovativne proizvode zasnovane na izvrsnos- vlasnik Sberbanke, sa vlasništvom od 50% plus jedna ti i najnovijoj tehnologiji. Kombinujući lokalnu stručnost i akcija sa pravom glasa. Ostale akcije su u vlasništvu više usmerenost svojih zaposlenih na korisnike, Sberbank Eu- od 245 000 samostalnih i institucionalnih investito- rope gradi mostove ka poslovanju na istoku i jedinstveni ra u Rusiji i inostranstvu. -
Economics. Ecology. Socium, Vol. 5, No.1, 2021 24 DOI: 10.31520/2616
Economics. Ecology. Socium, Vol. 5, No.1, 2021 DOI: 10.31520/2616-7107/2021.5.1-3 ISSN 2616-7107 UDC 336.71 THE IMPACT OF THE BANKING SYSTEM JEL: E58, G21, G28, L16 CONCENTRATION LEVEL AND THE PANDEMIC ON THE GEORGIAN BANKING SECTOR Ana Guruli Introduction. The importance of the banking sector is vital Department of Finances and Bank for the economic development of any country, since it is the main Technologies, structural unit of monetary use, which plays the greatest role in the Georgian Technical University development of the state. As in all markets, we are faced with Tbilisi, Georgia competition in the banking market, which is characterized by certain E-mail: [email protected] specifics, since the main product is money that cannot be replaced orcid.org/0000-0003-0585-1237 by other goods, and the main purpose of competition is to gain an advantage among agents operating in the same market, which is reflected in the final profit. The more the banking market develops and the more diversified the services offered to clients, the more the role of competition in the banking sector increases. The spread of the pandemic not only impeded the development of healthy competition, but also called into question the normal functioning and development of the banking sector. Aim and tasks. The aim of the study is to determine the level of competition in the Georgian banking sector by the method of identifying total assets and net loans, which aims to identify the causes of the market concentration level and find solutions, as well as to determine and assess the shock effects of the pandemic, because The pandemic period has become an even bigger challenge for the Georgian banking sector, where most of the market players occupy a small volume of the market, the National Bank of Georgia is actively trying to keep up with the challenges, and in order to mitigate the negative impact caused by the pandemic Results. -
Georgian Banking Sector Overview
Georgian Banking Sector Overview 2016 3rd Quarter Results December, 2016 Contents Page 3 Basis of Preparation At a Glance 4 General Highlights 5 Sector Highlights 6 Bank Profiles 7 Appendix 1: Shareholding Structure & General Information 24 Appendix 2: Sector Insights 27 Appendix 3: Key Financial Indicators 28 Appendix 4: Bank Contact Details 32 Glossary of Terms 34 © 2016 KPMG Georgia LLC, a company incorporated under the Laws of Georgia, a member firm of the KPMG network of 2 independent member firms affiliated with KPMG International Cooperative (“KPMG International”), a Swiss entity. All rights reserved. Basis of Preparation This report summarizes and analyzes the financial results of the 17 commercial banks of Georgia for the 3rd quarter of 2016, as well as provides some insights into the recent developments in the sector. The financial information has been obtained from the published interim reports for the 3rd quarter of 2016. The banks are listed in the alphabetical order throughout the publication. We have used simple headline numbers in our analysis unless stated otherwise; each bank has its own way of reporting performance and this has proved to be the most consistent method of presenting their results. All the key ratios are calculated based on the obtained data unless stated otherwise. The general information, such as the number of branches, employee headcount, etc, are mainly taken from the Notes to the Financial Statements prepared by the banks. The official websites of the banks serve as the only alternative source, however they are not always properly updated. Due to this, the figures presented may not necessarily be as of 30th September 2016. -
Annual Report 2018 ABOUT THIS REPORT 02
AnnuAl RepoRt 2018 ABOUT THIS REPORT 02 1 / 2 ABOUT THIS REPORT Approach to the Report Boundaries of the Report Approval of the Report This Annual Report of Sberbank of Russia ¹ for 2018 (the “Report”) The financial data are presented in the Report Information on sustainable development is consoli- This Report received preliminary approv- in accordance with the IFRS consolidated financial dated by the major participants of the Group, which al by the Supervisory Board of Sberbank includes the performance results of Sberbank and its subsidiaries ² statements, unless otherwise specified in the text of have a significant impact on their regions of pres- (Minutes No. 11 of April 16, 2019). for the reporting period from January 1, 2018, to December 31, 2018. the Report. ence, and Sberbank Corporate University. The reliability of the data in the Report was con- Operational data are presented for PJSC Sberbank firmed by the Audit Committee of Sberbank. unless otherwise specified in the text of the Report. The Report has been prepared in accordance with In addition, the contents of the Report The Report was approved by the Annual General the legislation of the Russian Federation, including: comply with the following documents: Shareholder Meeting of Sberbank as of May 24, 2019 (Minutes No 32 as of May 29, 2019). ♦ Federal Law No. 39-FZ “On the Securities ♦ Requirements of the Moscow Stock The term “Group” as used in the sections “People: Nurturing New Skills in Effective Teams” Market” dated April 22,1996; Exchange on the preparation of annu- and “Impact on Society” includes Sberbank Corporate University and the following: al reports by joint stock companies; ♦ Federal Law No. -
Sberbank Europe Sustainability
Sustainability Report Sberbank Europe Sberbank Europe AG Schwarzenbergplatz 3 1010 Vienna, Austria Tel. +43 1 22732 0 offi[email protected] www.sberbank.at Foreword We can only succeed by caring about the wellbeing of our employees, fostering diversity, team spirit and corporate culture. Above all, we want to enhance energy efficiency by a sustainable resources manage- ment. Being part of Sberbank of Russia, the largest Russian bank that has a long tradition in Corporate Social Responsibility, our sustainability mission is clear: We strive to always act responsibly, with highest atten- tion to the wellbeing of the society, our employees and the protection of the environment. We aim to do our business in a way that is in the interest of all par- ties Sberbank Europe interacts with. Sonja Sarközi, CEO Sberbank Europe Dear readers, In every activity we do, we want to serve the needs of our clients and to meet the expectations of our stakeholders. In 2018, Sberbank Europe conducted a group-wide sustainability survey in order to learn about our stakeholders’ priorities and expectations from Sberbank Europe in the area of sustainability. The outcome of the survey builds the foundation of Sberbank Europe sustainability report 2018. Sberbank Europe will continue its efforts to ensure the quality and accessibility of products and services based on extraordinary customer experience. Being present in eight markets in Central and Southeast- ern Europe, Sberbank Europe aims to contribute to regional economic development and prosperity by providing financial solutions to local customers. SBERBANK EUROPE SUSTAINABILITY REPORT 2018 1 2 SBERBANK EUROPE SUSTAINABILITY REPORT 2018 Sberbank Europe Headquarters at Schwarzenbergplatz in Vienna Introduction to the report Sberbank Europe recognizes the need to regularly Reporting requirement according to NaDiVeG: Since provide reports on its impact on society, the econo- 2017, the Sustainability and Diversity Improvement my and the environment. -
As of June 30, 2018
LIST OF AFFILIATES Sberbank of Russia (full corporate name of the joint-stock company) Issuer code: 0 1 4 8 1 – В as 3 0 0 6 2 0 1 8 of (indicate the date on which the list of affiliates of the joint-stock company was compiled) Address of the issuer: 19, Vavilova St., Moscow 117997 (address of the issuer – the joint-stock company – indicated in the Unified State Register of Legal Entities where a body or a representative of the joint-stock company is located) Information contained in this list of affiliates is subject to disclosure pursuant to the laws of the Russian Federation on securities. Website: http://www.sberbank.com; http://www.e-disclosure.ru/portal/company.aspx?id=3043 (the website used by the issuer to disclose information) Deputy Chairperson of the Executive Board of Sberbank B. Zlatkis (position of the authorized individual of the joint-stock company) (signature) (initials, surname) L.S. “ 03 ” July 20 18 . Issuer codes INN (Taxpayer Identificat ion Number) 7707083893 OGRN (Primary State Registrati on Number) 1027700132195 I. Affiliates as of 3 0 0 6 2 0 1 8 Item Full company name (or name for a Address of a legal entity or place of Grounds for recognizing the entity Date on which Interest of the affiliate Percentage of ordinary No. nonprofit entity) or full name (if any) of residence of an individual (to be as an affiliate the grounds in the charter capital of shares of the joint- the affiliate indicated only with the consent of became valid the joint-stock stock company owned the individual) company, % by the affiliate, % 1 2 3 4 5 6 7 Entity may manage more than The Central Bank of the Russian 12, Neglinnaya St., Moscow 20% of the total number of votes 1 21.03.1991 50.000000004 52.316214 Federation 107016 attached to voting shares of the Bank 1. -
Company Presentation, May 2014
Sberbank Serbia Company Presentation June 2017 The following presentation is intended for discussion purposes only and is subject to modifications at the discretion of Sberbank Serbia (the “Bank”). This document does not constitute a commitment or an offer to commit to any transaction or financing on behalf of the Bank. The information contained herein is made available to the recipient on a confidential basis and may only be provided to the recipient’s agents, employees and representatives who need to know such information for the purpose of evaluating the information and data described herein and who are informed of the confidential nature of the information. This document and the information herein may not be provided to any third party without prior approval in writing of the Bank. DISCLAIMER The information and opinions contained in this presentation or in oral statements of the management of the Bank are provided as at the date of this presentation or as at the other date if indicated in this presentation and are subject to change without notice. No reliance may be placed for any purpose whatsoever on the information contained in this presentation or oral statements of the management of the Bank or on assumptions made as to its completeness. No representation or warranty, expressed or implied, is given by the Bank, its subsidiaries or any of their respective advisers, officers, employees or agents, as to the accuracy of the information or opinions or for any loss howsoever arising, directly or indirectly, from any use of this presentation or its contents. This presentation is not directed to or intended for distribution to or use by, any person or entity that is a citizen or resident or located in any locality, state, country or other jurisdiction where such distribution, publication, availability or use would be contrary to law or regulation or which would require any registration or licensing within such jurisdiction. -
Company Presentation, May 2014
Sberbank Serbia Company Presentation June 2016 The following presentation is intended for discussion purposes only and is subject to modifications at the discretion of Sberbank Serbia (the “Bank”). This document does not constitute a commitment or an offer to commit to any transaction or financing on behalf of the Bank. The information contained herein is made available to the recipient on a confidential basis and may only be provided to the recipient’s agents, employees and representatives who need to know such information for the purpose of evaluating the information and data described herein and who are informed of the confidential nature of the information. This document and the information herein may not be provided to any third party without prior approval in writing of the Bank. DISCLAIMER The information and opinions contained in this presentation or in oral statements of the management of the Bank are provided as at the date of this presentation or as at the other date if indicated in this presentation and are subject to change without notice. No reliance may be placed for any purpose whatsoever on the information contained in this presentation or oral statements of the management of the Bank or on assumptions made as to its completeness. No representation or warranty, expressed or implied, is given by the Bank, its subsidiaries or any of their respective advisers, officers, employees or agents, as to the accuracy of the information or opinions or for any loss howsoever arising, directly or indirectly, from any use of this presentation or its contents. This presentation is not directed to or intended for distribution to or use by, any person or entity that is a citizen or resident or located in any locality, state, country or other jurisdiction where such distribution, publication, availability or use would be contrary to law or regulation or which would require any registration or licensing within such jurisdiction. -
Godišnji Izveštaj O Poslovanju 2015
GODIŠNJI IZVEŠTAJ O POSLOVANJU 2015 Godišnji izveštaj o poslovanju za 2015. godinu 1 Sadržaj 4 O Sberbank i Sberbank Europe 6 Uvodna reč predsednika Izvršnog odbora 8 Izveštaji po resorima i službama 8 Resor za poslovanje sa privredom i globalna tržišta 10 Resor za poslovanje sa stanovništvom 16 Resor za finansije i rizike 18 Upravljanje operacijama 19 Ljudski resursi 20 Komunikacije 21 Korporativna društvena odgovornost 22 Istraživanja i razvoj 24 Finansijski izveštaji 24 Ključni pokazatelji 2012-2015. 25 Ostvareni pokazatelji poslovanja banke 26 Bilans uspeha 27 Bilans stanja 28 Organizaciona struktura 2 Sberbank Srbija a.d. Beograd Godišnji izveštaj o poslovanju za 2015. godinu 3 O SBERBANK I 1. SBERBANK EUROPE Nemačka je završila proces sveobuhvatne procene od strane revidiranom poslovnom strategijom. Dobri poslovni ECB. Sberbank Europe uspešno je prošla procenu rezultati Sberbank Europe očekivana su posledica Ukrajina Češka kvaliteta aktive, što je rezultiralo Zajedničkim pove ćanih ulaganja u bazu zaposlenih, informacione akcionarskim kapitalom - Nivo 1 od 9,6%, što je tehnologije i operativnu podršku. Ipak, jednokratna Slovačka iznad minimuma od 8% definisanog od strane ECB. izdvajanja, kao što je izdvajanje u iznosu od 25 miliona Austrija Rezultati Stres testa pre procene kvaliteta aktive evra za konverziju kredita u švajcarskim francima Mađarska pokazali su zajednički akcionarski kapital - Nivo 1 u Hrvatskoj, negativno su uticala na ovogodišnje od 10,5% prema osnovnom scenariju i 6,3% prema poslovne rezultate. Kako se početna očekivanja rasta Slovenija Hrvatska negativnom scenariju za kraj 2017. godine. Rezultati iz 2012. godine, nakon ulaska Sberbank na tržište, nisu Strest testa nakon procene kvalitet aktive pokazali mogla u potpunosti ostvariti, neto rezultat i ključni Bosna i Hercegovina su Zajednički akcionarski kapital – Nivo 1 od 8,9% finansijski pokazatelji za Sberbank Europe stagnirali Srbija prema osnovnom scenariju za kraj 2017. -
Georgian Leasing Company”
Limited Liability Company “Georgian Leasing Company” (ID number 204972155) Bond Issue Prospectus Up to 12,000,000 (twelve million) US Dollars and up to 3,000,000 (three million) Euros bonds with a fixed interest rate (respectively up to 12,000 and up to 3,000 units). The Bonds mature after 24 months from the date of their issue. The issuer has option to redeem the bonds in full or in part on any "redemption date". (For details, please see the 8th subsection of the “Bond Issuance Terms” of the “Bonds Cashing and Redemption”). Nominal value per bond at issue: USD Bonds - $ 1,000; Euro bonds - 1,000 EUR. Price on issue: 100% of the face value (one hundred percent). Interest on bonds will be paid semi-anually. The interest rate is defined in the "Term Sheet". Bonds are an unsecured and non-subordinated liability of the Company. Georgian Leasing Company Ltd (after referred to as the Company) is responsible for this prospectus and on the information provided. According to the information available to the company (which The Company has made every reasonable effort to confirm the accuracy of) the data in the prospectus is based on facts and no such information is omitted, which could have a significant impact on the veracity and completeness of the information. However, this prospectus contains all the essential facts known to the company and did not skip information that would affect the content of the prospectus. The approval of the prospectus by the National Bank of Georgia concerns the form of the prospectus and it cannot be considered as a conclusion on the correctness of its content or the value of the investments described here. -
Georgian Banking Sector Overview Q1 2021
Georgian Banking Sector Overview 2021 1st Quarter Results June 2021 Contents Page Basis of Preparation 3 At a Glance 4 General Highlights 5 Sector Highlights 6 Bank Profiles 7 Appendix 1: Shareholding Structure & General Information 22 Appendix 2: Sector Insights 24 Appendix 3: Key Financial Indicators 26 Appendix 4: Bank Contact Details 30 Glossary of Terms 32 © 2021 KPMG Georgia LLC, a company incorporated under the Laws of Georgia and a member firm of the KPMG global 2 organization of independent member firms affiliated with KPMG International Limited, a private English company limited by guarantee. All rights reserved. Basis of Preparation This report summarizes and analyzes the financial results of the 15 commercial banks of Georgia for the 1st quarter of 2021, as well as provides some insights into the recent developments in the sector. The financial information has been obtained from the published quarterly reports for the 1st quarter of 2021. The banks are listed in the alphabetical order throughout the publication. We have used simple headline numbers in our analysis unless stated otherwise; each bank has its own way of reporting performance and this has proved to be the most consistent method of presenting their results. All the key ratios are calculated based on the obtained data unless stated otherwise. The general information, such as the number of branches are mainly taken from the Notes to the Financial Statements prepared by the banks. The official websites of the banks serve as the only alternative source, however they are not always properly updated. Due to this, the figures presented may not necessarily be as of 31 March 2021. -
OPEN JOINT-STOCK COMPANY SBERBANK of RUSSIA Disclosure of Information on Accepted Risks, Procedures for Their Assessment, Manage
OPEN JOINT-STOCK COMPANY SBERBANK OF RUSSIA Deputy Chairman of the Executive Chief Accountant - Director of Board Accounting and Reporting Division of Sberbank of Russia Sberbank of Russia V.V. Kulik M.Y. Lukyanova ________________________________ ________________________________ _______________________, 2014 __________________________, 2014 Disclosure of Information on Accepted Risks, Procedures for Their Assessment, Management of Risks and Capital of Sberbank of Russia Banking Group as of July 1, 2014 Moscow 2014 Disclosure of information on assumed risks, procedures for their assessment, management of risks and capital of Sberbank of Russia OJSC Banking Group as of July 1, 2014. CONTENTS LIST OF TABLES .......................................................................................................................... 3 INTRODUCTION ........................................................................................................................... 5 1 GENERAL INFORMATION ON SBERBANK OF RUSSIA BANKING GROUP ACTIVITIES ................................................................................................................................... 5 1.1 General information on the parent company of Sberbank of Russia Banking Group ...... 5 1.2 Information on the lines of business of Sberbank of Russia Banking Group ................... 6 1.3 Brief information on the economic environment where Sberbank of Russia Banking Group operates ............................................................................................................................