Znaèajni finansijski pokazatelji

Transcription

1 Znaèajni finansijski pokazatelji Key Financial Highlights Prikazani podaci navedeni su ili izraèunati temeljem revidiranih finansijskih izvještaja Banke. The figures shown below are extracted or recomputed from the Bank's audited financial statements. 32

2 Petogodišnja usporedba finansijskih pokazatelja Financial highlights for the five year period 33

3 34 Ukupna aktiva Total assets

4 Ukupan prihod Total income 35

5 Operativni rezultati Operating results Poslovanje Banke posljednih godina karakterizira konstantan uspon poslovanja. U Banka je ostvarila pozitivan finansijski rezultat u iznosu od ,00KM, što u odnosu na prethodnu godinu predstavlja poveèanje od 38,63%. Troškovi poslovanja u godini dosegli su iznos od ,00 KM, što u poreðenju sa prethodnom godinom predstavlja poveæanje od 110% (u godini troškovi poslovanja su, u odnosu na 1999, poveæani za 63%). Razlo#na su oèekivanja da æe ulaganja, koja su uzrokovala ovako visoki procenat rasta troškova poslovanja u godini, u narednom periodu dati puni doprinos u ostvarenju još pozitivnijeg finansijskog rezultata Banke. Ukupan prihod banke u godini iznosio je ,00 KM, što u odnosu na prihod prethodne godine predstavlja poveæanje od 96,46% (u godini ukupni prihod je poveæan za 61,77% ). Najveæi udio u strukturi ukupnih prihoda u 2001.godini imaju neto prihodi po kamati 47,34%, a najveæe poveæanje u odnosu na godinu bilje#e takoðe neto prihodi po kamati, 129,92% (u godini taj rast u odnosu na je iznosio 82,99%) što potvrðuje èinjenicu da se Banka strateški orijentira ka kreditnom podr#avanju privrede i stanovništva. I u narednom periodu se mo#e prognozirati rast prihoda po kamatama. The characteristic of the Bank business in the last years is continuous growth in banking operations. In 2001 the Bank achieved positive financial result in the amount of KM ,00 which in comparison to the previous year means increase by 38,63%. Operating costs in 2001 reached the amount of KM ,00, which is in comparison to the previous year, the increase of 110% (in 2000 operating costs increased by 63% in comparison to 1999). It is real to expect that investments that caused such a high percentage of operating costs in 2001 will give full contribution to achievement of even more positive financial result of the Bank in the future period. Total bank revenue in 2001 amounted KM ,00, which is an increase of 96,46% in comparison to the previous year revenue (in 2000 total revenue increased by 61,77%). The biggest share in the structure of total income in 2001 take net interest income 47,34% and also the biggest increase in comparison to 2000 occurred in net interest income 129,92% (in 2000 that growth amounted 82,99% in comparison to 1999) which confirms the fact that the Bank is strategically oriented to providing the retail and corporate financial support. In the future period interest income growth may be projected too. 36

6 Struktura ukupnih prihoda Structure of total income 37

7 Usporedba troškova poslovanja i ukupnih prihoda Comparison of operating expenses and total income 38

8 Ukupna aktiva Total Assets U toku ukupna aktiva Banke uveæana je za 231,4 % u odnosu na prethodnu godinu. Kao što se mo#e primjetiti u donjem grafièkom prikazu, krediti komitentima, gotovina i raèuni kod banaka preovladavaju u strukturi aktive Banke, sa udjelom od 37% ukupne aktive. The total assets are increased by 231,4% in 2001 in relation to the previous year. As it can be seen from chart below, loans to client, cash and due from banks are predominant in the assets structure with 37% out of total assets. Struktura ukupne aktive banke Structure of total assets 39

9 Izvori finansiranja Funds sources U strukturi izvora finansiranja najveæim dijelom uèestvuju fizièka lica 47%, te je u odnosu na prošlu godinu zabilje#en rast depozita fizièkih lica od 755%. In the structure of sources of funds the biggest participants are individuals 47% and in comparison to the previous year the growth of individual deposits of 755% is registered. Izvori finansiranja Funds sources 40

10 Kreditiranje Credit Financing Kreditiranje Stanovništva Retail lending Ambiciozno postavljeni zadaci vezani uz poveæanje plasmana kredita fizièkim licima uspješno su realizirani, što potvrðuje podatak o porastu bruto kreditnog portfelja stanovništva za 395% u odnosu na prethodni period, odnosno podatak da je plan realiziran sa 133%. Kao ilustraciju o kolièini, odnosno obimu izvršenog posla navodimo da je broj odobrenih kreditnih fajli , što je za 152% više od prethodnog perioda. Posveæena je maksimalna pa#nja sagledavanju uslova koji postoje na tr#ištu kredita za fizièka lica, kako u pogledu ponude, tako i u pogledu tra#nje. Zahvaljujuæi tim aktivnostima, Banka danas ima najveæu gamu kreditnih proizvoda namijenjenih graðanstvu uz posebne proizvode razvijene sa pojedinim firmama. Stambeni krediti za kupovinu i adaptaciju predstavljaju najatraktivniji dio ponude, ali i najkompleksniji segment kreditiranja graðana. Visokim standardom usluge kao i saradnjom sa supranacionalnim institucijama (KFW, EBRD), Banka je postigla najveæi broj plasiranih kredita u BiH u ovom segmentu. S namjerom da se u jednom segmentu tr#išta postigne liderstvo, kreiran je auto-kredit kao jedan od strateških proizvoda. Da je ovo opredjeljenje bilo ispravno, potvrðuje podatak o odobrenih auto-kredita fizièkim licima što, uz odobrene auto-kredite pravnim licima, svrstava Banku na prvo mjesto po prodaji auto-kredita u BiH sa uèešæem u tr#ištu auto-kredita od cca 24%. Ambitious plans relative to increase in placement of loans to individuals were successfully realised, which is confirmed by the figures on increase of gross loan portfolio for 395% compared to the previous period, which means the plan was realised in 133%. As an illustration of the quantity, i.e. the volume of business, number of approved loan files is , which is 152% more than the previous period. Maximum attention was paid to reviewing existing conditions in the market of loans to individuals so far as supply and demand are concerned. Thanks to these activities, the Bank currently has the biggest range of credit products for individuals, with special products developed with certain companies. Housing loans for purchase and adaptation are the most attractive, but at the same time the most comprehensive segment of retail lending. Through high quality services and co-operation with supranational institutions (KFW, EBRD), the Bank achieved the highest number of loans placements in B&H in this segment. With intention to become the leading bank in one segment of the market, car loan was created as one of the strategic products. The correctness of this decision is confirmed by the figure of car loans approved to individuals which, together with loans approved to corporate entities, puts the Bank in the first place in selling car loans in B&H with market share of cca 24%. 41

11 Kreditiranje preduzeæa Credits to companies Tokom godine zabilje#en je znaèajan porast kredita odobrenih preduzeæima. Poredeæi godinu s prethodnom, Banka je ostvarila rast bruto kreditnog portfelja za 70,5 % ili 54 miliona KM. S krajem godine Banka je imala ukupno 1515 odobrenih kratkoroènih i dugoroènih kredita klijentima. U godini 1388 korporativnih klijenata koristilo je kreditno-garantne proizvode kod Banke, što je za 30% više u odnosu na kraj prošle godine. U strukturi bruto kreditnog portfelja pravnih lica, sa godine, kratkoroèni krediti èine 53%, a dugoroèni krediti 47%. Banka je u godini u strukturi ukupnog kreditnog portfelja plasirala 32% za finansiranje podrške izvozno-uvoznim transakcijama, 24% za finansiranje obrtnog kapitala, dok je 44% odobreno za investicione aktivnosti pravnih subjekata. Garantno/akreditivni portfelj Banke krajem godine poveæan je za 70,27% ili 34 miliona KM u odnosu na kraj godine. U godini Banka je imala 798 otvorenih garancija i 63 akreditiva. U toku godine Banka je odobrila 1857 garancija i 226 akreditiva koji su pratili poslovanje klijenata. Banka je i u godini klijentima ponudila tzv. Trgovaèke olakšice putem garantnih proizvoda Banke pokrivenih od prvoklasne evropske banke. U godini depoziti po viðenju korporativnih klijenata su zabilje#ili znaèajan rast, od 140% u odnosu na kraj godine, dok su se oroèeni depoziti poveæali za 59%. The substantial growth in the number of loans approved to the companies was noticed in If we compare 2001 with the previous year, the Bank realised the increase in gross lending portfolio for 70,5% or 54 million KM. As of the end of the year, the Bank approved 1515 short term and long term loans to the customers. In 2001, 1388 corporate customers used credit-guarantee products of the Bank, which is 30% more compared to the end of last year. The structure of gross corporate lending portfolio as of is the following: short term loans - 53% and long term loans - 47%. In the structure of total lending portfolio, during 2001 the Bank placed 32% for financing support of export-import transactions, 24% for financing working capital and 44% was approved for investment activities of legal entities. As of the end of 2001, guarantee/letter of credit portfolio increased for 70,27% or 34 million KM compared to the end of In 2001, the Bank had 798 guarantees and 63 letters of credit opened. During 2001, the Bank issued 1857 guarantees and 226 letters of credit for customer's businesses. In the same year, the Bank offered so-called Trading privileges through the guarantee products of the Bank covered by the first class European bank. The 2001 saw a significant growth of demand deposits of corporate customers of 140% compared to the end of 2000, while term deposits increased for 59%. 42

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13 Obaveze i kapital Liabilities and funds employed Tuða sredstva Other sources of funds 44

14 Depoziti i raèuni komitenata Customer deposits and accounts U 2001.godini ukupni depoziti su iznosili (000 KM) što je poveæanje od 262,72% u odnosu na prethodnu godinu. U roènoj strukturi ukupnih depozita kratkoroèni depoziti su imali udio od 92% a dugoroèni preostalih 8%. Udio depozita po viðenju u ukupnim depozitima je 53%, a oroèenih 47%. U godini depoziti stanovništva iznosili su (000 KM). U roènoj strukturi ukupnih depozita stanovništva udio depozita po viðenju je 31%, oroèenih kratkoroèni 61%, te oroèenih dugoroènih depozita 8%. U godini depoziti preduzeæa iznosili su (000 KM). Roènu strukturu ukupnih depozita preduzeæa èine: depoziti po viðenju 78%, oroèeni kratkoroèni 14%, te oroèeni dugoroèni 8%. The total amount of deposits was (000 KM), which represents increase of 262,72% in relation to the previous year. In the term structure of total deposits, short - term deposits participate with 92% and long term with other 8%. Demand deposits participation in total deposits is 53% and term deposits 47%. The amount of deposits from individuals was (000 KM). In the term structure of total deposits from individuals, demand deposits participate with 31%, term short term deposits 61%, term long term deposits 8%. The amount of deposits from companies was (000 KM). Term structure of total deposits from companies consists of: demand deposits 78%, term short - term 14% and term long term 8%. 45