Zagrebačka banka TFI-KI Group 31032010 - UniCredit Bank - Naslovnica

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					     Appendix 3.
     Reporting period:                                              1/1/2010                  to                     31.03.2010.

                                                         Quarterly financial report for credit institutions-TFI-KI

        Identification number (MB):             03234495

     Subjects identification number            080000014

             Personal identification   92963223473
                    number (OIB):
                  Issuer company: Zagrebačka banka d.d.

       Post office number and city:              10000                         Zagreb

                Street and number: Paromlinska 2

                    E-mail address: zaba@unicreditgroup.zaba.hr

                   Internet address: www, zaba.hr

Code and name of municipality/city:       133      ZAGREB

         Code and name of county:         21       GRAD ZAGREB                                                Number of employees:                            6,753
                                                                                                              (as at the quarter-end)
               Consolidated report:      YES                                                                 Code in NKD:                                     6419

       Companies included in consolidation (according to IFRS):                 Headquarters:                                           MB:

     Subsidiaries and associates of the Bank which are included in Zagrebačka banka Group are shown in Note 5):
     Prva stambena štedionica d.d.                       Savska 62, 10000 Zagreb                                                    01391178

     ZB Invest d.o.o.                                             Ivana Lučića 2a, 10000 Zagreb                                     01500937

     Centar Kaptol d.o.o.                                         Nova Ves 17, 10000 Zagreb                                         01149440

     Pominvest d.d.                                               Gundulićeva 26a, 21000 Split                                      03891984

     ZABA turizam d.o.o.                                          Paromlinska 2, 10000 Zagreb                                       01196740

     Marketing Zagrebačke banke d.o.o.                            Savska cesta 28, 10000 Zagreb                                     03773965

     Zagreb nekretnine d.o.o.                                     Nova Ves 17, 10000 Zagreb                                         03709124

     Istraturist d.d.                                             Jadranska 66, 52470 Umag                                          03052745

     Istra D.M.C. d.o.o.                                          Jadranska 66, 52470 Umag                                          03530124

     UniCredit Bank d.d., Mostar                                  Kardinala Stepinca bb, 88000 Mostar                               07700822

     UPI poslovni sistem d.o.o., Sarajevo                         Branilaca Sarajeva 20, 71000 Sarajevo                             79524085

     Zane BH d.o.o.                                               Branilaca Sarajeva 20, 71000 Sarajevo                             79524093

     Allianz ZB d.o.o., Zagreb                                    Nike Grškovića 31, 10000 Zagreb                                   01581864

     Allianz ZB d.o.o., Zagreb                                    Ivana Lučića 2a, 10000 Zagreb                                     01637886


                        Accounting:

                    Contact person: Gracijela Višnjić
                                    (only name and surname of contact person is included)
                            Phone: 01/ 4801-659                                                         Fax: 01/4810-383

                    E-mail address: gracijela.visnjic@unicreditgroup.zaba.hr

               Surname and name: Franjo Luković
                                 (person representing the company)


                   Documentation to be published:
                   1. Financial reports (balance, income statement, cash flow statement, statement on changes in equity
                      and notes to financial statements)
                   2. Statement of person responsible for preparation of financial reports
                   3. Management Report on the condition of the company


                                                                  M.P.                                 (signature of the President of the Management Board)
                                                    BALANCE SHEET
                                                    bilance as at            31.03.2010.



                                                                                              AOP
                                         Position name                                               Previous period   Current period
                                                                                              code
                                                1                                               2          3                 4
ASSETS
A) CASH AND DEPOSITS WITH CNB                                                                 001    12,792,466,007    11,310,634,209
I. Cash                                                                                       002     2,229,125,879     1,855,086,885
II. Deposits with CNB                                                                         003    10,563,340,128     9,455,547,324
B) DEPOSITS WITH BANKING INSTITUTIONS                                                         004    11,516,088,454    11,312,554,323
C) MINISTRY OF FINANCE TREASURY BILLS AND CNB TREASURY BILLS                                  005     1,217,860,965     2,022,543,194
D) SECURITIES AND OTHER FINANCIAL INSTRUMENTS HELD FOR TRADING                                006      402,256,362       381,212,546
E) SECURITIES AND OTHER FINANCIAL INSTRUMENTS AVAILABLE FOR SALE                              007     4,227,184,966     3,994,290,587
F) SECURITIES AND OTHER FINANCIAL INSTRUMENTS HELD TO MATURITY                                008      772,513,502       765,434,586
G) SECURITIES AND OTHER FINANCIAL INSTRUMENTS WHICH ARE NOT ACTIVELY TRADED BUT
ARE DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS
                                                                                              009      100,744,205       99,744,914

H) DERIVATIVE FINANCIAL ASSETS                                                                010      42,178,211        22,962,330
I) LOANS TO FINANCIAL INSTITUTIONS                                                            011     1,693,055,605     1,143,270,714
J) LOANS TO OTHER CUSTOMERS                                                                   012    70,070,683,039    71,379,947,093
K) INVESTMENT IN SUBSIDIARIES, ASSOCIATES AND JOINT VENTURES                                  013      77,724,291        86,461,481
L) FORECLOSED ASSETS                                                                          014      28,607,633        28,599,475
M) TANGIBLE ASSETS                                                                            015     3,076,900,362     3,022,184,479
N) INTEREST, FEE AND OTHER ASSETS                                                             016     2,030,067,897     1,793,009,600
O) TOTAL ASSETS                                                                               017    108,048,331,499   107,362,849,531
TOTAL LIABILITIES AND EQUITY
A) CAPITAL AND RESERVES                                                                       018    15,767,599,620    16,044,031,120
I. CORE (PAID IN) CAPITAL                                                                     019     1,280,967,820     1,280,967,820
II. CAPITAL RESERVES                                                                          020     3,509,654,564     3,509,654,564
III. RESERVES FROM ALLOCATION OF PROFITS                                                      021      632,841,766       625,163,320
IV. REVALUATION RESERVES                                                                      022            0                0
V. RETAINED EARNINGS                                                                          023     8,308,761,517     9,649,136,790
VI. LOSS CARRIED FORWARD                                                                      024            0                0
VII. PROFIT FOR THE PERIOD                                                                    025     1,344,949,032      282,083,998
VIII. LOSS FOR THE PERIOD                                                                     026            0                0
IX. UNREALISED GAIN/LOSS FROM REVALUTION OF FINANCIAL ASSETS AVAILABLE FOR SALE               027       -1,318,491       13,885,817
X. MINORITY INTERESTS                                                                         028      691,743,412       683,138,811
B) LOANS FROM FINANCIAL INSTITUTIONS                                                          029     8,489,428,612     7,378,350,726
C) DEPOSITS                                                                                   030    80,673,865,802    80,778,062,371
D) OTHER LOANS                                                                                031      21,050,615        11,152,287
E) DERIVATIVE FINANCIAL LIABILITIES AND OTHER TRADED FINANCIAL LIABILITIES                    032      74,182,910        127,680,178
F) ISSUED DEBT SECURITIES                                                                     033            0                0
G) ISSUED SUBORDINATED INSTRUMENTS                                                            034      116,899,177       101,630,689
H) ISSUED HYBRID INSTRUMENTS                                                                  035            0                0
I) INTEREST, FEE AND OTHER LIABILITIES                                                        036     2,905,304,763     2,921,942,160
J) TOTAL LIABILITIES                                                                          037    108,048,331,499   107,362,849,531
K) OFF BALANCE SHEET EXPOSURES                                                                038    21,754,834,604    20,544,404,797
BALANCE SHEET SUPPLEMENT (to be inputed by issuer preparing consolidated financial reports)
CAPITAL AND RESERVES
1. Attributable to equity holders of the Bank                                                 039    15,075,856,208    15,360,892,309
2. Attributable to minority interests                                                         040     691,743,412       683,138,811
                                                                  INCOME STATEMENT

                                             for the period         1.1.2010.           to        31.3.2010.



                                                                                             AOP
                                      Position name                                                        Previous period                    Current period
                                                                                             code
                                                                                                     Cumulated       Quarterly       Cumulated         Quarterly
                                              1                                               2           3               4               5                    6
1. Interest income                                                                           041     1,592,197,963   1,592,197,963   1,449,761,047    1,449,761,047
a) from individuals                                                                          042      724,539,053    724,539,053     752,903,395       752,903,395
b) from companies                                                                            043      514,613,164    514,613,164     421,176,487       421,176,487
c) from financial insitutions                                                                044      104,837,163    104,837,163      45,100,331       45,100,331
d) other interest income                                                                     045      248,208,583    248,208,583     230,580,834       230,580,834
2. Interest expense                                                                          046     -923,342,979    -923,342,979    -706,653,282     -706,653,282
a) to individuals                                                                            047     -382,687,216    -382,687,216    -421,566,692     -421,566,692
b) to companies                                                                              048     -177,979,214    -177,979,214     -93,895,524      -93,895,524
c) to financial insitutions                                                                  049     -317,179,255    -317,179,255    -174,466,654     -174,466,654
d) other interest expense                                                                    050      -45,497,294     -45,497,294     -16,724,412      -16,724,412
3. Net interest income                                                                       051      668,854,984    668,854,984     743,107,765       743,107,765
4. Fees and commissions income                                                               052      293,271,117    293,271,117     317,911,706       317,911,706
5. Fees and commissions expense                                                              053      -39,456,738     -39,456,738     -36,595,291      -36,595,291
6. Net fees and commissions income                                                           054      253,814,379    253,814,379     281,316,415       281,316,415
7. Gains (losses) from investment in subsidiaries, associates and joint ventures             055       6,044,150      6,044,150       8,737,190         8,737,190
8. Gains (losses) from trading activities                                                    056      79,435,262      79,435,262      -59,892,812      -59,892,812
9. Gains (losses) from Embedded Derivatives                                                  057       1,404,378      1,404,378         -93,893          -93,893
10. Gains (losses) from assets which are not traded, but are designated at fair value
                                                                                             058      -7,287,978      -7,287,978      2,451,122         2,451,122
through profit or loss
11. Gains (losses) from Activities Related to Assets Available for Sale         059       -1,738,395                  -1,738,395      13,815,708       13,815,708
12. Gains (losses) from Activities Related to Assets Held to Maturity           060            0                          0               0                    0
13. Gains (losses) from Hedging Transactions                                    061            0                          0               0                    0
14. Gains (losses) from foreign exchange                                        062      64,362,256                   64,362,256     123,519,176       123,519,176
15. Other Income                                                                063      35,196,689                   35,196,689      57,453,631       57,453,631
16. Other Expenses                                                              064      -52,963,246                  -52,963,246     -49,652,135      -49,652,135
17. General administrative expenses and depreciation                            065     -571,326,608                 -571,326,608    -554,689,248     -554,689,248
18. Profit (loss) from operations before impairment and provisions for losses   066     475,795,871                  475,795,871     566,072,919       566,072,919
19. Impairment and provisions for losses                                        067      -69,323,395                  -69,323,395    -209,966,394     -209,966,394
20. Profit before taxes                                                         068     406,472,476                  406,472,476     356,106,525       356,106,525
21. Income tax expense                                                          069      -89,116,955                  -89,116,955     -78,234,505      -78,234,505
22. Profit (loss) for the period                                                070     317,355,521                  317,355,521     277,872,020       277,872,020
INCOME STATEMENT SUPPLEMENT (to be inputed by issuer preparing consolidated financial statements)
I.* Profit attributable to shareholders of the Bank                             071     324,844,360                  324,844,360     282,083,998       282,083,998
II.* Profit attributable to minority interests                                  072            0                          0               0                    0
III.* Loss attributable to shareholders of the Bank                             073            0                          0               0                    0
IV.* Loss attributable to minority interests                                    074       7,488,839                   7,488,839       4,211,978         4,211,978
                                              CASH FLOW STATEMENT - Indirect method

                                          in the period from      1.1.2010.          to         31.03.2010.



                                                                                                                AOP      Previous
                                               Position name                                                                            Current period
                                                                                                                code      period
                                                       1                                                         2           3                4
CASH FLOW FROM OPERATING ACTIVITIES
1. Profit before tax                                                                                            075     324,844,360      282,083,998
2. Impairment and provisions for losses                                                                         076     69,323,395       209,966,394
3. Depreciation                                                                                                 077     91,531,724        86,281,823
4. Net unrealised (profit) loss from financial assets and liabilities designated at fair value through profit
                                                                                                                078    -245,633,144       57,854,987
or loss
5. Profit/loss from sale of tangible assets                                                                     079       232,690          258,234
6. Other profit/loss                                                                                            080
7. Other increase of cash flow                                                                                  081     75,725,119       223,235,511
8. Net increase/decrease of deposits with CNB                                                                   082    -474,665,412      482,486,759
9. Net increase/decrease of treasury bills from Ministry of finance and treasury bills with CNB                 083     714,286,049      -804,682,229
10. Net increase/decrease of deposits with banking institutions and loans to financial institutions             084    3,496,492,236     905,972,537
11. Net increase/decrease of other loans                                                                        085    -3,648,251,841   -1,535,938,437
12. Net increase/decrease of securities and other financial instruments designated at fair value through
                                                                                                                086     -33,759,294       3,113,000
profit or loss
13. Net increase/decrease of securities and other financial instruments available for sale                      087     138,528,174      236,250,157
14. Net increase/decrease of securities and other financial instruments actively traded and designated
                                                                                                                088     191,195,040       35,489,730
at fair value through profit or loss
15. Net increase/decrease of demand deposits                                                                    089    -1,922,149,113    682,579,857
16. Net increase/decrease of savings and time deposits                                                          090    2,949,657,914     -444,472,144
17. Net increase/decrease of derivative financial liablities                                                    091    -197,670,236        265,672
18. Net increase/decrease of other liabilities                                                                  092     231,067,020      -182,567,712
19. Net cash inflow/(outflow) from operating activities                                                         093    1,760,754,681     238,178,137
CASH FLOW FROM INVESTMENT ACTIVITIES
1. Receipts from sale/(purchases) of tangible and intangible assets                                             094    -117,260,653      -34,916,968
2. Receipts from sale/(purchases) of investments in subsidiaries, associates and joint ventures                 095
3. Receipts from sale/(purchases) of securities and other financial instruments held to maturity                096     23,058,795        6,428,602
4. Received dividends                                                                                           097       453,239
5. Other receipts/(payments) from investment activities                                                         098
6. Net cash inflow/(outflow) from investment activities                                                         099     -93,748,619      -28,488,366
CASH FLOW FROM FINANCIAL ACTIVITIES
1.Net increase/(decrease) in borrowings                                                                         100    -1,753,314,367   -1,105,988,570
2. Net increase/(decrease) of issued debt securities                                                            101
3. Net increase/(decrease) of issued subordinated and hybrid instruments                                        102     -14,914,499      -14,518,670
4. Receipts from issued share capital                                                                           103
5. Paid out dividend                                                                                            104       -33,824          -124,679
6. Other receipts/(payments) from financial activities                                                          105
7. Net cash inflow/(outflow) from financial activities                                                          106    -1,768,262,690   -1,120,631,919
Total increase of cash flow                                                                                     107
Total decrease of cash flow                                                                                     108    -101,256,628      -910,942,148
Cash and cash equivalents at the beggining of the period                                                        109    4,402,105,220    7,042,634,016
Increase in cash and cash equivalents                                                                           110
Decrease in cash and cash equivalents                                                                           111    -101,256,628      -910,942,148
Cash and cash equivalents at the end of the period                                                              112    4,300,848,592    6,131,691,868
                                                             STATEMENT ON CHANGES IN EQUITY

                                        from     31.12.2009.       to   31.03.2010.


                                                                                      AOP
                                         Position name                                       Previous period     Increase       Decrease       Current period
                                                                                      code
                                                                                             31.12. previous
                                                                                                  year
 1. Paid in capital                                                                   113     1,280,967,820         0               0          1,280,967,820
 2. Capital reserves                                                                  114     3,509,654,564         0               0          3,509,654,564
 3. Reserves from allocation of profits                                               115      632,841,766          0           7,678,446       625,163,320
 4. Retained earnings                                                                 116     8,308,761,517    1,344,949,032    4,573,759      9,649,136,790
 5. Current year profit                                                               117     1,344,949,032    282,083,998     1,344,949,032    282,083,998
 6. Revaluation of long term tangible assets                                          118           0               0               0                0
 7. Revaluation of intangible assets                                                  119           0               0               0                0
 8. Revaluation of financial assets available for sale                                120      -3,515,920       34,188,904      13,368,317       17,304,667
 9. Other revaluations                                                                121           0               0               0                0
10. Total capital and reserves                                                        122    15,073,658,779    1,661,221,934   1,370,569,554   15,364,311,159
11. Exchange rate differences relating to net investments abroad                      123        933,232            0           1,040,436         -107,204
12. Currrent and deffered taxes (part)                                                124       1,264,197       2,169,290       6,745,133        -3,311,646
13. Cash flow hedging                                                                 125           0               0               0                0
14. Changes in accounting policies                                                    126           0               0               0                0
15. Correction of significant errors in previous period                               127           0               0               0                0
16. Other changes in capital                                                          128      691,743,412          0           8,604,601       683,138,811
17. Total increase or decrease of capital                                             129    15,767,599,620    1,663,391,224   1,386,959,724   16,044,031,120


17 a. Attributable to equity holders of the Bank                                      130    15,075,856,208    1,650,022,907   1,364,986,806   15,360,892,309
17 b. Attributable to minority interests                                              131      691,743,412          0           8,604,601       683,138,811
Positions that decrease capital have to be inputed with negative sign.
Data under AOP codes 113 to 121 are inputed as balance as at balance sheet date
NOTES TO FINANCIAL STATEMENTS

                                                                            in HRK
                                          Previous period         Current period
 1) CASH AND DEPOSITS WITH CNB
                                            31.12.2009.            31.03.2010.

I. Cash
Cash in hand                                      2,227,290,080      1,853,574,346
Items in course of collection                         1,835,799          1,512,539
                                                  2,229,125,879      1,855,086,885

II. Deposits with CNB
Current account with CNB                          3,244,804,620      2,597,139,483
Obligatory reserve
  - in kuna                                       5,938,934,176      5,557,579,136
  - in foreigh currency                           1,379,601,332      1,300,828,705
Obligatory treasury bills issued by CNB                       -                  -
                                                10,563,340,128       9,455,547,324


                                                                            in HRK
                                          Previous period         Current period
 2) DEPOSITS WITH BANKING INSTITUTIONS
                                            31.12.2009.            31.03.2010.

Current accounts with other banks                 1,568,703,517      1,679,465,500

Placements with banks                            9,970,990,589       9,657,550,503
Impairment allowance                               -23,605,652         -24,461,680
Net placements to banks                         11,516,088,454      11,312,554,323


                                                                            in HRK
                                          Previous period         Current period
 3) LOANS TO FINANCIAL INSTITUTIONS
                                            31.12.2009.            31.03.2010.

Loans to banks                                    1,745,907,485      1,198,260,941
Impairment allowance                                -52,851,880        -54,990,227
                                                  1,693,055,605      1,143,270,714


                                                                            in HRK
                                          Previous period         Current period
 4) LOANS TO OTHER CUSTOMERS
                                            31.12.2009.            31.03.2010.

Replacement bonds                                1,441,785,203       1,463,596,434
Loans to and receivables from customers         68,628,897,836      69,916,350,659
                                                70,070,683,039      71,379,947,093


                                                                            in HRK
                                          Previous period         Current period
 4.1) Loans to other customers
                                            31.12.2009.            31.03.2010.

Companies                                       36,791,585,905      38,250,930,504

Invididuals                                     35,495,851,835      35,475,892,895

Total gross loans                               72,287,437,740      73,726,823,399

Impairment allowance                             -3,658,539,904     -3,810,472,740

Net loans to other customers                    68,628,897,836      69,916,350,659




                                                        6
 5) LIST OF SUBSIDIARIES AND ASSOCIATES

Zagrebačka banka d.d. is a licensed bank operating in Croatia and the holding company for the Zagrebačka
banka Group. The Bank's subsidiaries and associated companies are shown below:

Fully consolidated subsidiaries:
                                                                                      Group ownership in
                          Company                                Industry
                                                                                              %
UniCredit Bank d.d., Mostar                            Banking                               65.6
Prva stambena štedionica d.d.                          Banking                              100.0
ZB Invest d.o.o.                                       Fund management                      100.0
Centar Kaptol d.o.o.                                   Property investment                  100.0
UPI poslovni sistem d.o.o., Sarajevo                   Property management                   52.6
Pominvest d.d.                                         Property management                   88.7
ZABA turizam d.o.o.                                    Investment                           100.0
Marketing Zagrebačke banke d.o.o.                      Publishing                           100.0
Zagreb nekretnine d.o.o.                               Real estate agency                   100.0
Zane BH d.o.o.                                         Real estate agency                   100.0
Istraturist d.d.                                       Tourism                               71.8
Istra D.M.C. d.o.o.                                    ATP tournament organisation           71.8

Equity accounted associated companies:
                                                                                      Group ownership in
                          Company                                Industry
                                                                                             %
                                                       Obligatory pension fund
Allianz ZB d.o.o., Zagreb                              management                            49.0
                                                       Voluntary pension fund
Allianz ZB d.o.o., Zagreb                              management                            49.0


                                                                                                 in HRK
                                                             Previous period           Current period
 6) BORROWINGS
                                                               31.12.2009.              31.03.2010.

Total loans from financial institutions                               8,489,428,612        7,378,350,726

Other loans                                                              21,050,615           11,152,287


Total borrowings                                                      8,510,479,227        7,389,503,013


                                                                                                 in HRK
                                                             Previous period           Current period
 7) DEPOSITS
                                                               31.12.2009.              31.03.2010.

Invididuals                                                          43,499,073,266       44,500,770,242

Companies and similar organisations and Government                   20,633,705,206       21,215,925,779

Banks and other financial institutions                               16,541,087,330       15,061,366,350
                                                                     80,673,865,802       80,778,062,371




                                                                            7
                                                                                                                                in HRK
 8) INTEREST INCOME                                       Previous period 31.03.2009.                  Current period 31.03.2010.
                                                         Cumulative              Quarterly           Cumulative         Quarterly

8.1. Analysis by product

Loans to other customers                                      1,390,203,222       1,390,203,222       1,338,840,430      1,338,840,430
Debt securities                                                 101,227,778         101,227,778          66,429,200         66,429,200
Deposits with CNB                                                13,596,171          13,596,171          12,067,283         12,067,283
Loans to financial institutions                                  87,170,792          87,170,792          32,424,134         32,424,134
                                                              1,592,197,963       1,592,197,963       1,449,761,047      1,449,761,047


                                                                                                                                in HRK
 9) INTEREST EXPENSE                                      Previous period 31.03.2009.                  Current period 31.03.2010.
                                                         Cumulative              Quarterly           Cumulative         Quarterly

9.1. Analysis by product

Current accounts and deposits from banks                        113,585,379        113,585,379         123,069,500         123,069,500
Current accounts and deposits from companies and other
organisations                                                   222,704,827        222,704,827         110,378,246         110,378,246
Current accounts and deposits from individuals                  382,677,878        382,677,878         421,334,033         421,334,033
Loans from financial institutions and other loans               166,674,083        166,674,083          51,871,503          51,871,503
Issued debt securities                                           37,700,812         37,700,812                   -                   -
                                                                923,342,979        923,342,979         706,653,282         706,653,282


                                                                                                                                in HRK
 10) FEES AND COMMISSIONS INCOME                          Previous period 31.03.2009.                  Current period 31.03.2010.

                                                         Cumulative              Quarterly           Cumulative         Quarterly

Credit related fees and commission                                3,528,438              3,528,438       2,432,952           2,432,952
Credit card related fees and commissions                         69,073,196             69,073,196      68,154,779          68,154,779
Domestic payment transactions related fees and
commissions                                                     121,722,715        121,722,715         124,536,055         124,536,055
Foreign payment transactions related fees and
commisions                                                       32,992,687             32,992,687      31,253,460          31,253,460
Guarantee related fees and commissions                           20,879,020             20,879,020      20,958,088          20,958,088
Investment management, brokerage and consultancy
fees                                                             24,004,654         24,004,654          47,473,960          47,473,960
Other fees and commissions                                       21,070,407         21,070,407          23,102,412          23,102,412
                                                                293,271,117        293,271,117         317,911,706         317,911,706


                                                                                                                                in HRK
 11) FEES AND COMMISSIONS EXPENSE                         Previous period 31.03.2009.                  Current period 31.03.2010.
                                                         Cumulative              Quarterly           Cumulative         Quarterly

Credit card related charges                                      19,934,006             19,934,006      18,825,223          18,825,223
Domestic payment transactions related charges                    14,009,593             14,009,593      11,486,744          11,486,744
Foreign payment transactions related charges                      1,956,956              1,956,956       2,871,905           2,871,905
Other fees and commissions                                        3,556,183              3,556,183       3,411,419           3,411,419
                                                                 39,456,738             39,456,738      36,595,291          36,595,291


                                                                                                                                in HRK
 12) GAINS (LOSSES) FROM INVESTMENTS IN
                                                          Previous period 31.03.2009.                  Current period 31.03.2010.
SUBSIDIARIES, ASSOCIATES AND JOINT VENTURES
                                                         Cumulative              Quarterly           Cumulative         Quarterly

Dividends from associates                                                 -                      -               -                   -
Dividends from subsidiaries                                               -                      -               -                   -
Share of profit from associates                                   6,044,150              6,044,150       8,737,190           8,737,190
                                                                  6,044,150              6,044,150       8,737,190           8,737,190




                                                                      8
                                                                                                                                 in HRK

 13) GAINS / LOSSES FROM TRADING ACTIVITIES                Previous period 31.03.2009.                  Current period 31.03.2010.

                                                          Cumulative              Quarterly           Cumulative         Quarterly

Net trading (losses)/gains from interest rate swaps               -7,485,527             -7,485,527        7,582,541          7,582,541
Net trading losses from currency swaps                            80,086,566             80,086,566      -92,741,562        -92,741,562
Net trading gains/(losses) from other derivatives                  7,055,162              7,055,162        1,058,581          1,058,581
Trading debt securities                                              900,391                900,391       23,744,030         23,744,030
Equity securities held for trading                                -1,121,330             -1,121,330          463,598            463,598
                                                                  79,435,262             79,435,262      -59,892,812        -59,892,812


                                                                                                                                 in HRK
 14) GAINS / LOSSES FROM ACTIVITIES RELATED
                                                           Previous period 31.03.2009.                  Current period 31.03.2010.
TO ASSETS AVAILABLE FOR SALE
                                                          Cumulative              Quarterly           Cumulative         Quarterly

Available-for-sale debt securities - realised loss                -1,738,395             -1,738,395       1,808,448           1,808,448
Available-for-sale equity securities - realised gain                       -                      -      12,007,260          12,007,260
                                                                  -1,738,395             -1,738,395      13,815,708          13,815,708


                                                                                                                                 in HRK

 15) GAINS / LOSSES FROM FOREIGN EXCHANGE                  Previous period 31.03.2009.                  Current period 31.03.2010.

                                                          Cumulative              Quarterly           Cumulative         Quarterly

Foreign exchange spot trading                                     57,753,205             57,753,205      70,699,780          70,699,780
Net foreign exchange gains/(losses) from translation of
monetary assets and liabilities                                  -15,075,761         -15,075,761        157,170,747         157,170,747
Net trading (losses)/gains from FX forward transactions           21,684,812          21,684,812       -104,351,351        -104,351,351
                                                                  64,362,256          64,362,256        123,519,176         123,519,176


                                                                                                                                 in HRK
 16) OTHER INCOME                                          Previous period 31.03.2009.                  Current period 31.03.2010.
                                                          Cumulative              Quarterly           Cumulative         Quarterly

Rental income from investment property                            11,819,787             11,819,787      10,557,765          10,557,765
Gain on disposal of property                                         232,690                232,690         258,234             258,234
Receipts from receivables previously written off                     234,791                234,791         111,393             111,393
Income from hotel operations                                      10,524,965             10,524,965      11,438,552          11,438,552
Revaluation of replacement bonds                                  -2,162,559             -2,162,559      21,811,231          21,811,231
Other income                                                      14,547,015             14,547,015      13,276,456          13,276,456
                                                                  35,196,689             35,196,689      57,453,631          57,453,631




                                                                       9
                                                                                                                                     in HRK

 17) OTHER EXPENSE                                             Previous period 31.03.2009.                  Current period 31.03.2010.

                                                              Cumulative              Quarterly           Cumulative         Quarterly

Savings deposit insurance expenses                                    34,582,145             34,582,145      30,923,824          30,923,824
Government contributions                                              10,321,923             10,321,923      12,238,268          12,238,268
Other expenses                                                         8,059,178              8,059,178       6,490,043           6,490,043
                                                                      52,963,246             52,963,246      49,652,135          49,652,135


                                                                                                                                     in HRK
 18) GENERAL ADMINISTRATIVE EXPENSES AND
                                                               Previous period 31.03.2009.                  Current period 31.03.2010.
DEPRECIATION
                                                              Cumulative              Quarterly           Cumulative         Quarterly

Salaries and other personnel expenses                                288,341,032        288,341,032         279,440,343         279,440,343
Administration and marketing expenses                                173,362,549        173,362,549         175,924,849         175,924,849
Repair and maintenance of investment property                          4,306,679          4,306,679           4,442,755           4,442,755
Hotel operations expenses                                             13,784,624         13,784,624           8,599,478           8,599,478
Depreciation                                                          91,531,724         91,531,724          86,281,823          86,281,823
                                                                     571,326,608        571,326,608         554,689,248         554,689,248


                                                                                                                                     in HRK

 19) IMPAIRMENT AND PROVISIONS FOR LOSSES                      Previous period 31.03.2009.                  Current period 31.03.2010.

                                                              Cumulative              Quarterly           Cumulative         Quarterly

Impairment losses on loans to and receivables from
banks                                                                           -                     -                -21               -21
Impairment losses on loans to and receivables from
customers                                                            -84,409,924         -84,409,924       -210,065,207        -210,065,207
Provisions for off-balance-sheet exposure                             19,497,789          19,497,789          6,997,056           6,997,056
Provisions for court cases                                            -1,394,096          -1,394,096         -2,021,936          -2,021,936
Impairment losses on debt securities in portfolio available
for sale and portfolio held to maturity                                        -                   -           -332,100            -332,100
Impairment losses on intangible assets                                         -                   -           -415,378            -415,378
Other commitments                                                     -1,733,566          -1,733,566           -475,435            -475,435
Impairment losses on other assets                                     -1,283,598          -1,283,598         -3,653,373          -3,653,373
                                                                     -69,323,395         -69,323,395       -209,966,394        -209,966,394




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