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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. Banka poseduje najveću dis- je bankarski partner u regionu centralne i istočne Evrope, tributivnu mrežu u Rusiji sa preko 18 000 filijala, kao i Rusije i ZND. podružnice u 20 zemalja, među kojima su ZND, zemlje centralne i istočne Evrope. Od kada nas je preuzela Sberbank, započeli smo značajnu transformaciju. Kao važan deo jedne od U septembru 2012. godine Sberbank je okončala preuzi- najvećih, najbrže rastućih i najdinamičnijih bankarskih manje DenizBank AS koja je rangirana kao 6. privatna i 9. organizacija u svetu - mi u Sberbank Europe težimo da od svih turskih banaka po konsolidovanoj ukupnoj akti- budemo prepoznati kao inovator koji menja pravila igre, vi. Sberbank je časopis “The Banker” proglasio za “banku lider u razvoju u bankarstvu centralne i istočne Evrope, godine”, a “The Economist” je rangirao kao drugu po sto- sa rastućim prisustvom i prepoznatljivošću u zapadnoj pi prinosa na kapital u proteklih deset godina. Evropi. Cilj nam je da izgradimo trajne odnose sa našim klijentima tako što ćemo ispunjavati njihove potrebe. Sberbanka Europe AG upravlja bankarskom mrežom od Kao Sberbank Europe, mi težimo da postanemo banka devet univerzalnih banaka u osam zemalja centralne i koja nikad ne prestaje da usavršava sebe i svoje poslo- istočne Evrope: Slovačkoj, Češkoj, Mađarskoj, Sloveni- vanje za dobrobit svojih klijenata. 2 SBERBANK RS | GODIšNJI IZVEštAJ 2012 | SBERBANK SRBIJA I SBERBANK EVROPA Uvodna reč Upravnog odbora Poštovani klijenti, akcionari i prijatelji Sberbanke Kao i prethodnih godina, bankarsko poslovanje u 2012. Srbija a.d. Beograd, se odvijalo u veoma zahtevnom ekonomskom okruže- nju. Sberbank Srbija je ostala na putu stabilnog i kon- Od kada je u februaru Volksbank Srbija postala članica stantnog rasta svih parametara bankarskog poslovanja, Sberbank grupe, započet je obiman proces transfor- obeleženom uvođenjem novih proizvoda na srpsko tr- macije i integracije. Naša osnovna poslovna politika, žište, kao što je pružanje mogućnosti plaćanja, finansij- usmerenost na potrebe klijenata i blisko partnerstvo, skih transakcija i štednje u ruskim rubljama po prvi put kao i naša dugoročna orjentisanost ka visokom kvalitetu u Srbiji. Tokom 2012. godine smo podržali izvoz robe iz odrazile su se u postignutim rezultatima, koji su prema- Srbije (poljoprivreda) u Rusiju i nastavićemo da pružamo šili sva očekivanja. sistemsku podršku izvoznicima i uvoznicima u Srbiji koji posluju sa Rusijom. 2012. godina je za Sberbanku Srbija donela novi profit u iznosu od 12 miliona evra sa ukupnom aktivom od 902 Sberbank Srbija postiže izvanredne rezultate uz izuzet- miliona evra. Obim kredita za privredu i stanovništvo, uk- nu posvećenost svojih zaposlenih, čak i u godinama glo- ljučujući i one prekogranične, iznosio je 736 miliona evra, balne ekonomske krize. Svi smo uvereni da će sada kada dok su depoziti porasli za 47% u odnosu na prethodnu go- smo članica Sberbank grupe, jedne od najjačih i najbrže dinu. U okruženju prepunom izazova, podržali smo srpsku rastućih finansijskih institucija na svetu, naše uspešno privredu, što se jasno vidi iz veoma snažnog rasta kredita poslovanje biti nastavljeno. za privredu u 2012. godini od 86%, u poređenju sa 2011. godinom. Valeriy Ovsyannikov Danilo Đurović Gordana Matić Predsednik Izvršnog odbora Član Izvršnog odbora Član Izvršnog odbora SBERBANK RS | GODIšNJI IZVEštAJ 2012 | UVODNA REČ UPRAVNOG ODBORA 3 Ključni pokazatelji 2004 - 2012 Racio troškova Ukupna aktiva i prihoda u milionima RSD . .% , , , . % , .% . % , . % , . % . % . % .% , , Plasman kredita , Profit u milionima RSD u milionima RSD , , , , , , , , 4 SBERBANK RS | GODIšNJI IZVEštAJ 2012 | KLJUČNI POKAZATELJI Analiza poslovanja Poslovanje sa stanovništvom • poboljšanje baze aktivnih klijenata za 11% , Kao i u prethodnih pet godina i u 2012. Sektor za rad sa • povećanju broja transakcija domaćeg platnog pro- stanovništvom Sberbank Srbije je ostao fokusiran na mak- meta za 22%, simizaciju profitabilnosti, poboljšanju kreditno-depozitnog racija, povećanju broja klijenata kao i njihovoj aktivnosti u • povećanju broja transakcija međunarodnog plat- pogledu korišćenja bankarskih proizvoda i usluga. nog prometa za 20%, Operativna profitabilnost retail segementa od 8,7 mi- • povećanje broja platnih kartica za 7% itd. liona evra predstavlja odraz primenjenih inovacija, pre svega u pogledu kreditnih i depozitnih proizvoda, kao i Bitno je napomenuti da su navedene performanse logičnu posledicu dugoročne orijentacije ka kvalitenom ostvarene bez povećanja broja filijala (26) i zaposlenih i zadovoljenju finansijskih potreba klijenata. isključivi su odraz posvećenosti banke ka povećanju efi- kasnosti i organskom rastu u budućnosti. Krediti plasirani stanovništvu u milionima RSD , , , Poslovanje sa privredom 2012. godinu možemo nazvati najuspešnijom godinom , , za Sektor privrede Sberbank Srbija. Zabeležen je izuzetno snažan rast on i off balance portfolija, koji je prevazišao , sva očekivanja, čime se tržišno učešće u segmentima u kojima je banka aktivna značajno povećalo. Takav rast je imao uticaja i na ostvarenje profita iznad očekivanog. , Međutim, pravi efekti rasta, kada je u pitanju profitabil- nost, će se videti u 2013. godini. Pored rasta porfolija, , došlo je da izuzuetnog rasta depozitne baze, što je jasan znak poverenja koji klijenti imaju u Sberbank Srbija. Rast aktive i depozita nije bio cilj sam po sebi već da se sa klijentima uspostavi sveobuhvatna saradnja, što je i postignuto. Naime, značajno je povećan dinarski i devizni Ono što treba napomenuti u 2012-oj godini je značajno platni promet preko računa otvorenih kod banke, dok je poboljšanje kreditno depozitnog racija retail segmenta prodaja deviza prevazišla i najoptimističnija očekivanja. sa 408% na kraju 2011-e na 289% na kraju 2012-te go- dine. Važno je istaći da je poboljšanje ovog racija ostva- Nakon izuzetno uspešne 2012. godine u 2013. godini nas reno uz 25% veću produkciju kredita u 2012-oj u odnosu očekuje stabilizacija portfolija i podizanje profitabilnosti na 2011-u kao i povećanje depozitnog portfolija za 42% kroz uvođenje novih proizvoda, efikasnije organizacije, a zadržavanje performansi profitabilnosti. koja je postavljena u drugoj polovini prošle godine, kao i kroz intenziviranje saradnje sa članicama Sberbank gru- Potvrdu posvećenosti zaposlenih povećanju efikasnosti, pe. Pored već navedenog, 2013. godina će biti godina fo- pored napred pomenutih parametara, možemo validirati kusiranja na depozite u cilju smanjenja L/D racia. Kako kroz nekoliko sledećih pokazatelja promene u odnosu na bi se ostvarili dati ciljevi, puna pažnja će biti posvećena 2011-u: razvoju i edukaciji ljudi koji su osnovni resurs. SBERBANK RS | GODIšNJI IZVEštAJ 2012 | ANALIZA POSLOVANJA 5 Analiza poslovanja Sektor sredstava Informacione tehnologije 2012. godinu je obeležilo veliko slabljenje dinara, koje je U 2012. godini IT sektor banke je aktivno doprineo i us- imalo prilično negativan uticaj na kretanje celokupnog pešno pratio razvoj banke uvođenjem savremenih reše- tržišta.. nja u IT oblasti, prvenstveno orijentisanih ka klijentima banke izlazeći na taj način u susret njihovim potrebama. Dinar je u prvoj polovini godine slabio značajno, došavši skoro do nivoa od 120 dinara za jedan euro, dok je drugi Glavni akcenat je stavljen na mere povećanja efikasnosti, deo godine doneo rast. Nominalno, dinar je depresirao kao i na podizanje kvaliteta pruženih servisa klijentima preko 8%. prvenstveno kroz: Tokom 2012. godine nekoliko puta je menjan iznos oba- • Proširenje funkcionalnosti Call Center-a vezne rezerve, uz povećanje dinarskog dela u deviznoj obaveznoj rezervi, što je doprinelo povlačenju dinarskih • Interni razvoj aplikacija koje efikasno podržavaju sredstava
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