bankarski menagment
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." ' - :
, 2005 : .- ,2007...........................................................................................................................31. .............................................................................................4
1.1. ...........................................................................................4
1.2. i 2005 ..........................................................................................6 1.2.1. ..........................................................................................7 1.2.2. .....................................................................................102. ....................................................................................... 16 2.1. .........................................................................................16 2.2. 2005 ......................................................................................15 2.2.1. .......................................................................................15
2.2.2. ..................................................................................13. ................................................................................20
3.1. .........................................................................................20
3.2. jn n 2005 ......................................................................................21
3.2.1- ........................................................................................21
3.2.2. ...................................................................................234. ......................................................................30
4.1. ..................................................................................................................30
4.2. ...................................................................................................................31
4.3. ...................................................................................31
4.4. pit .....................................................32 4.5. / .........................................................32..............................................................................................................33.........................................................................................................34
. . , . w , 2005 . , , 2005 ( ) . . . , . . . , , , .
, , .
1. 1.1 .. , . . . . 1985 , 1993 . .. , LHB International Handelsbank AG LB Interfinanz AG , . , 78,22 %, 21,78% . . 31.12.2005 .
1.LHB AG 35.21
2.LB Intefinanz AG 24,923.Nova Ljubljanska Banka d.d. 18,09
4. 9,52
5. - 4,80
6. 1,28
7. ( 1%) 6,18
, .
22 , . . , . 1996 ., , . 2005 . k , . , Finance Central Europe 2002, 2003 2004 , (R) 2005 . 2003- , The Banker.
2005 :
22.440.242 (365 . ) 36%
27%
15%
42%
37%
43%
18% 361.291 (5,9 . ) 24%
520,7 (8,5 ) 25%
ROE () 18,13% ROA () 2,14%
14,44%
3,72%
Cost/income ratio 46,10%
1.2 20051.2.1 2005 , 2005 -6. 2005 367.984 33.6 % 2004 . 928.985 40 % 2004 . . , 3,72 % 8% 2004 . 2005 41% 2004 . 66% . ( )
31
2005
2004
1.384.775 982.550
(455.790) (317.652)
928.985 664.898
417.325 316.554
(73.662) (34.363)
343.733 282.191
3.664 7.022 ()
119.079 68.687
33.831 33.972
27,090 24,397
438.981 309.277
(681.544) (526.181)
(335.857) (245.709)
422.467 309.277
(54.483) (33.889)
367.984 275.388
: 20052004
302.311254.674
941.478628.631
16.59314.179
114.18572.827
10.2081.384.77512.239982.550
2005 22% 2004, : , - , , , - . 20052004
85.146 42.479
311.996 246.905
9.779 18.169
10.474 9.001
417.395 316.554
75% 26.4 % 2004 .
119.054 92% 2004 . 25.356 38% , . 24.447 . 20052004
101.404
167.110125.907
20.56340.906
166.71376.288
:455.790317.652
, 36%, 36,5% , 32.7% 118.5 % 2004 . 22,2% 36 % 2004 . 20052004
15.99411.215
56.89722.528
771 620
73.66234.363
77,2% . 2005 661.927 . , . cost/income ratio 46,10%, 3,09% 96,32%.1.2.2 2005 .
( )31 20052004
2.287.9261.688.137
2.470.659399.506
, 4.196.3754.629.900
11.659.2298.548.023
987.865536.766
28.628-
524.065517.578
54.60856.268
21.94622.703
297.142152.999
22.528.44316.551.880
492.616437.988
12.745.81610.085.415
6.037.5063.025.767
271.004261.643
124.499127.718
20.077 3.783
19.691.51813.942.314
693.866693.866
968.422965.275
587.617511.612
473.252414.239
113.76821.427
2.836.9252.609.566
22.528.44316.551.880
2005 22.528.443 2004 36 %. : 2005 - . 31.12.2005 . 5.687.348 93% 2004 . 2.662.604 , 3.024.744 . 6.701.284 15% 2004 . 0 4.031.143 , 2.669.541 . 2,5 % 12,5 % 2004 . 32,6 % . 65 % 26,4 % 2004. , , , 52,7 %, 40 % , 60 % . 20052004
72.752127.45454.5485.500
2.669.541
4.031.1432.279.260
3.554.280
2.662.604
3.024.7441.825.285
2.165.949
8.447-
- 147.954158.817
12.704.63910.043.639
0.75% - 1% (2004 7.75% - 1% ), 2% - 8.5% (2004 1% - 9% ). , 27% 99,5% 2005 2004 . , 37,7% 62,3%. 31.12.2005 8,7% 2004 . 2004 , 59.013 . .
2005 2004 . 2005 22.528.443 . , 2005 2.544.817 19% 2004 . , : (20,3%), (24%) (24%). . i, 2005 10.134.031 45 % 2004 . 20 % o . . - , .
2005200420052004
401.975280.1032.468.3232.149.884
3.647.3533.754.0306.486.6783.229.792
-153.629--
4.049.3284.187.7628.955.0015.379.676
(530.704)(485.190)(814.396)(534.225)
3.518.6243.702.5728.140.6054.845.451
51% 36,4 % 2004 . , 42,5 % 57,5 %. 31.12.2005 2.287.926 715.491 , 20.241.189 . . 31.12.2005 . 7.5% , 3 3 . 2%. 31.12.2005 ., 7,5% . , 1%. , 20052004
85.49743.146
4.112.7034.578.571
-9.197
4.198.2004.630.914
(1.825)(1.014)
4.196.3754.629.900
, 31.12.2005 4.196.375 , 10% 2004 . 20052004
27.92316.670
904.993490.919
54.94929.177
987.865536.766
84% 2005 2004 . uvaweto . 2005 88,3% 2004 . . to. .2. 2.1 - o 29.12.1944 . . i , , , , . , ., , , , .
1994 . , , , 2001 300 . , . , ( ) 2005 .
60 , - .. . . .. - :
1.
73,0%2.
10,8%3.
10,8%4.
5,4%2.2 2005
2.2.1 2005 . 3 2005 .
( )31
2005 2004
2.193.720 1.596.825
(727.002) (519.132)
1.466.718 1.077.693
769.269 655.137
(49.636) (48.798)
719.633 606.339
487 79
13.265 -
179.419 82.16 94.716 83.214
207.164 517.681
2.681.402 2.367.172
(897.101) (854.941)
(1.595.885) (1.499.550)
(2.492.986) (2.354.490)
188.416 12.682
(1.674) (7)
186.742 12.675 2005 188.416 1385,7% 2004 . . 2.193.720 37,3% 596.895 2004 . , 40% 207.870 727.002 . 1.466.718 2005 , 36% 2004 .
31.12.2005 769.269 17,4% 2004 . 2005 1,7% 2004 49.636 . 2005 18,7% 2004 719.633 . 495.051 38% 2004 . 2005 . 2004 . , , . 5% . 2.2.2 a 2004 . .
( )31 20052004
5.103.5592.885.756
71.402-
, 4.599.0366.512.757
15.943.40411.661.516
1.125.2811.134.936
1.6543.122
5.034.4745.614.058
150.230110.549
2.6204.594
196.598238.148
1.131.7961.311.454
1.9492.155
33.362.00329.479.045
533.355430.208
27.267.21224.493.540
1.371.886515.229
159.339147.753
288.665337.511
29.620.45725.924.241
3.602.2203.602.220
2.9942.249
136.332(49.665)
3.741.5463.554.804
33.362.00329.479.045
2005 13% 33.362.003 . , 94% 2004 . 92% 2005 . 2005 , 29.620.457 14,3% 2004 . 27.267.212 24%. 2005 13.5%. 82%. 2005 . 16% 14.339.160 . 2005 166,3% 2004 , 2004 3.602.220 . 2005 33.362.003 . 15.943.404 36.7% 2004 2005 40% 47.8%. , , . , . . 42% , 0.002% .
, 28 . 37.2%. , , . 60% 2004 72% 2005 . 2005 . 40% 2005 . . 67% 133 2005 . 38 78 , 38% 2004 . , 53% 29 . 200% 2005 . . 35% 2004 48% 2005 . , . 4 , 15 . 2005 , 3021 , 2004 . 125 , 13% 2004 .. .1 .. ., 2005 The Banker, 2005 , Global Finance.
1955 , . 1990 .. , , , , , , . 7 42 , 600 70 , . 2005 : 1.882.372 131.695 . 91.2%. 74,8% 526 , 25,2% 3.830 . 2% 11 , 36% . .. , 2005 .., 55% . 3.2 2004 3.2.1 ( ) . b 445.034 4.835.507 14% , 4.390.473 26%. 2005 43% , , .
( )
31
2005 2004
2.051.710 1.744.292
(564.852) (482.010)
1.486.858 1.262.282
780.586 690.716
(85.622) (71.581)
694.964 619.135
1.021 11.197
2.880 -
126.575 104.362
73.997 183.429
2.396.295 2.180.405
(458.770) (13.413)
(1.470.611) (1.415.712)
(1.929.381) (1.402.299)
(11.880) -
445.034 778.106
(49.280) (42.441)
395.186 735.665 20052004
296.525245.536
875.797837.305
393.471376.752
47.93721.935
(60.621)(51.210)
498.601313.974
:2.051.7101.744.292
42,4% 2005 18%. 2005 , 18%, 3,9%. , 54,3% 24.4%, 18,4% 2,9%. 20052004
364.999327.829
113.85367.795
60.40166.160
25.59920.226
:564.852482.010
20052004
90.70474.914
:
304.970263.795
193.821182.199
74.63282.512
32.81515.690
83.64471.606
:780.586690.716
2005 56% 780.586 , 21%. 1,5% 2005 60%. 2004 .
20052004
:
25.30318.033
43.90134.561
422277
15.99618.710
:85.62271.581
: 41%, 43,9% 12,9%. 564.852 , 64,6%, 20,2%. , 2005 38% . 4% , , , , 3.2.2 2005 .3 2005 .
31.12.2005 36.943.057 200 11% 3.641.365 . , , , ,,- .
( )31 20052004
4.575.5753.263.111
7.2579.997
, 15.965.41414.556.464
12.929.68511.853.237
722.055178.744
60.859-
389.721847.291
55.307-
707.811990.298
33.258-
13.0515.392
44.24131.589
1.418.6341.551.732
20.18913.837
36.943.05733.301.692
519.768254.766
30.567.18727.518.111
1.377.5331.298.875
103.32867.284
206.727112.234
-31.140
127.973119.797
32.902.51629.402.207
2.014.0672.014.067
16.52316.253
1.591.2331.091.233
418.718777.932
4.040.5413.899.485
36.943.05733.301.692
, 79,5% 78,3% 2004 13% . 8% , 43,3% 41,4%. 17% 2005 58,6% 56,7% 2004 . 5% 20,5%, 21,7% 2004 . , 86,4% 10%, 16%. ( ) . , 2004 , . 60,5% 2004 , 49,4% 14%. 2005 , 82.74% 30.567.187 . 2005 11% 2004 .
( , ), ( , , ) ( ).0 , , , , . , . 2005
-- . - 10.276.9436.071.578
498.031-
-
-
-
16.846.552-
-- -10.800.2542.079.557
303.7929.390.5306.156.759
505.837
13.183.60316.053.126
-- 83.013191.590
224.661
-
274.603224.661
:30.304.758262.429
12% 2005 2004 a, 2005 2004 . . , , 98%. 2005 31.12.2005 1.377.533 10% 2004 .0 .
2005 4.040.541 3,6% 2004 . 2005 2004 , 2005 1.591.233 . 2005 36.943.057 . , 78,1 % 11% 13% 8%. 11% 21,9%, 2004. 2004 , . 7%, 16% 2004 .
12,4% 2005 4.575.575 40,2 % 2004 . 43,7% , 15.965.414 . 1.408.950 9,7% 2004 . .
, 20052004
15.908.51914.364.651
- 191.813
, 15.908.51914.556.464
12.929.685 35% . 2004 18,4%, . 76,3% 20,3% 3,36%. , 58,7% 41,2% . 2.612.081 . : 2005 . 2005 2005
2005
11.860.380
523.255
3.158.1317.852.922523.255
763.7774.007.458-
2.394.354
15.541.7669.134.9546.401.812
-1.774.306(1.774.306)
(2.612.081)(1.834.343)(777.738)
12.929.6859.079.9173.849.768
31.12.2005 389.721 2004 847.291 117%. . . . 3 .4. . . - , . - , . :, , , / .
4.1 -
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