2. Investments in debt securities that can be used for refinancing in NBRM 2a. Treasury bills 2b. Government securities 2c. Impairment. 5d.
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1 KOMERCIJALNA BANKA AD SKOPJE ANNUAL REPORT OF KOMERCIJALNA BANKA AD SKOPJE for the period from to Skopje, February 2012
2 2 BALANCE SHEET as at No. Amount ITEM Previous year Current year ASSETS 1. Cash and cash equivalents Investments in debt securities that can be used for refinancing in NBRM 2a. Treasury bills 2b. Government securities 2c. Impairment 3. Loans and advances to banks a. Loans b. Deposits c. Other receivables d. Impairment Loans and advances to other customers a. Loans b. Other receivables c. Impairment Debt securities a. Treasury bills b. Government securities c. Other debt securities d. Impairment 6. Investments in equity instruments Investments in associates a. Investments in banks 7b. Other investments in associates
3 Investments in affiliates 8a. Investments in banks 8b. Other investments in affiliates 9. Joint ventures 9a. Joint ventures in banks 9b. Other joint ventures 10. Intangible assets a. Founding expenditures 10b. Expenditures for research and development 10c. Concessions, patents, licences, trademarks and similar rights d. Goodwill 10e. Other intangible assets Tangible assets a. Land b. Property and equipment c. Other tangible assets Other assets/receivables a. Restricted deposits b. Derivative assets held for risk management 12c. Embedded derivatives 12d. Non - current assets held - for - sale and disposal group 12e. Foreclosed assets f. Assets pledged as collateral 12g. Advances for intangible assets h. Advances for tangible assets 12i. Income tax receivable j. Deferred tax assets 12k. Financial assets at fair value through profit or loss upon initial recognition 12l. Other receivables m. Impairment Deferred incomes and prepaid expenses TOTAL ASSETS LIABILITIES AND EQUITY AND RESERVES 15. LIABILITIES Liabilities to banks a. Current accounts b. Deposits
4 4 16c. Restricted deposits 16d. Borrowings e. Other liabilities 17. Liabilities to other customers a. Current accounts b. Deposits c. Restricted deposits d. Borrowings e. Other liabilities 18. Issued debt securities liabilities 18a. Issued instruments on money market 18b. Issued deposit certificates 18c. Bonds issued 18d. Other issued debt securities 19. Other liabilities a. Derivative liabilities held for risk management 19b. Embedded derivatives 19c. Trading liabilities 19d. Liabilities related to disposal group 19e. Income tax payable f. Deferred tax liabilities 19g. Financial liabilities at fair value through profit or loss 19h. Other liabilities Deferred income and expenses payment in the future periods 21. Risks and liabilities provisions a. Provisions for off - balance credit exposure b. Provisions for pensions and other employee benefits 21c. Other provisions 22. Subordinated debt 23. EQUITY AND RESERVES Subscribed capital Share premium Treasury shares repurchased 27. Reserves a. Statutory reserve b. Other reserves Revaluation reserves and other valuation differences 29. Profit for the financial year Loss for the financial year 31. Retained earnings 32. Accumulated loss 33. Minority interest
5 5 34. TOTAL LIABILITIES AND EQUITY AND RESERVES OFF - BALANCE RECORDS 35. Off balance records - assets Off balance records - liabilities
6 6 INCOME STATEMENT for the period from to No Amount I T E M Previous year Current year Interest income Interest expense Fee and commission income Fee and commission expense Income from investments in associates, affiliates and joint ventures 6. Net profit from securities transactions Net loss from securities transactions Net foreign exchange gains Net foreign exchange losses 10. Other operating income Personnel expenses a. Salaries b. Expenses for taxes and compulsory contributions for social insurance 11c. Other employees benefits Amortization and depreciation of intangible assets and tangible assets 13. Impairment of intangible assets and tangible assets 14. Impairment, special reserve and provisions a. Impairment of assets b. Special reserve for off balance credit exposure
7 c. Other provisions Expense from investments in associates, affiliates and joint ventures 16. Other operating expenses Profit from continuing operations Loss from continuing operations 19. Profit from discontinuing operations 20. Loss from discontinuing operations 21. Profit before tax Loss before tax 23. Income tax expense (part of the Tax balance) Profit for the financial year Loss for the financial year 26. Average number of employees based on working hours during the financial year (in an absolute amount) 27. Number of working months 12 12
8 8 E XP L A N A T I O N of the Income Statement of Komercijalna banka AD Skopje for the period from to The annual report is made according to the law legislation in the Republic of Macedonia, by law legislation prescribed by National Bank of the Republic of Macedonia, as well as according to the Regulations on the form and content of the annual report of banks and other financial institutions. In course of the period from to , the financial result is achieved, as follows: (in thousand denars) 1. Total income Total expenses Profit before tax Income tax expense Net profit Income The total income at the end of 2011 is increased for 1,0% compared to 2010 (Table 1). Table 1 (in 000 denars) I T E M Realization Structure Index : Interest income ,6 100,0 2 Fee and commission income ,6 109,4 3 Income from investments in associates, affiliates and joint ventures ,4 104,6 4 Net profit from securities transactions ,3-5 Net foreign exchange gains ,1 39,5 6 Other operating income ,0 117,4 TOTAL: ,0 101,0
9 9 In the structure of the total income, the interest income from loans and other placements approved participate with 74,6%. The total interest income is insignificantly increased compared to 2010, as a result of an increase of the interest income from the denar and foreign currency loans approved to non - financial companies for 1,3%, an increase of the interest income from loans approved to non - profit institutions in service of households for 91,6%, an increase of the interest income from loans approved and deposits to non residents for 129,4%, as well as a significant increase of the interest income under more placed funds in government bills and government bonds (Table 2). Table 2 (in 000 denars) I T E M Realization Structure Index : Interest income from loans and other placements approved to non - financial companies 2 Interest income from loans and other placements approved to government 3 Interest income from loans and other placements approved to non - profit institutions in service of households 4 Interest income from loans and other placements approved to banks 5 Interest income from loans and other placements approved to other financial companies 6 Interest income from loans and other placements approved to households 7 Interest income from loans and other placements approved to non - residents 8 Impairment of interest income, on net basis 9 Collected previously written - off interests ,4 101, ,0 667, ,1 191, ,7 95, ,8 92, ,0 229,4 (83.516) ( ) 2,9 147, ,9 97,7 TOTAL: ,0 100,0 The fee and commission income is increased for 9,4% compared to 2010, as a result of an increased income under domestic payment operations, under payment operations abroad, under lending of legal entities and individuals, under
10 10 letter of credit and guarantee operations and banking cards operations in the country and abroad. The income from investments in associates, affiliates and joint ventures in the structure of the total income participates with 0,4%, shows an increase of 4,6% compared to 2010 and fully refers to the participation of the Bank in the net profit of the joined company KB Prvo penzisko drustvo AD Skopje. In the structure of the total income, net foreign exchange gains participate with 1,1% and related to 2010 have a decrease of 60,5%. The other operating income in the structure of the total income participates with 5,0% and shows an increase of 17,4% compared to 2010, that mainly is a result of increased income under F/X operations, under an ordinary arbitrage. 2. Expenses The total expenses show an increase of 9,8% compared to 2010 (Table 3). Table 3 (in 000 denars) I T E M Realization Structure Index : Interest expense ,0 89,6 2 Fee and commission expense ,7 105,2 3 Net loss from securities transactions Personnel expenses ,2 94,3 5 Amortization and depreciation of intangible assets and tangible assets ,2 94,4 6 Impairment of intangible assets and tangible assets 7 Impairment, special reserve and provisions 8 Expense from investments in associates, affiliates and joint ventures ,3 100, ,7 295, ,1 103,9 9 Other operating expenses ,8 106,2 TOTAL ,0 109,8
11 11 In the structure of the total expenses, interest expense participates with 34,0% and shows a decrease of 10,4% compared to This decrease is a result of a decrease of the interest expense from government for 58,1%, a decrease of the interest expense from financial companies for 48,7%, a decrease of the interest expense from non financial companies for 23,6%, a decrease of the interest expense from non profit institutions in service of households for 19,8%, as well as a decrease of the interest expense from households for 6,4% (Table 4). Table 4 (in 000 denars) I T E M Realization Structure Index : Interest expense from non - financial companies ,2 76,4 2 Interest expense from government ,4 41,9 3 Interest expense from non - profit ,2 80,2 institutions in service of households 4 Interest expense from banks ,5 113,6 5 Interest expense from other financial companies ,8 51,3 6 Interest expense from households ,8 93,6 7 Interest expense from non - residents ,1 106,4 T O T A L: ,0 89,6 The fee and commission expense in the structure of the total expenses participates with 3,7% and is higher for 5,2% compared to The personnel expenses show a decrease of 5,7% and participate in the structure of the total expenses with 19,2%. The amortization and depreciation of the intangible assets and tangible assets participates in the structure of the expenses with 4,2% and shows a decrease of 5,6% compared to The expenses under impairment of intangible assets and tangible assets, i.e. impairment of foreclosed assets, in the structure of total expenses participate with 0,3%.
12 12 The expenses under impairment, special reserve and provisions, i.e. impairment loss of claims (loans and placements, interests, fees and commissions, other claims and securities), special reserve for off balance credit exposure and the other provisions, show an increase of 195,1% and participate in the structure of the total expenses with 19,7%. The expense from investments in associates, affiliates and joint ventures participates in the structure of the total expenses participates with 0,1% and fully refers to the participation of the Bank in the loss of the joined company KB Publikum Invest AD Skopje. The other operating expenses participate in the structure of the total expenses with 18,8% and show an increase of 6,2% compared to 2010, where mainly refer to expenses under deposits insurance premiums to Deposit Insurance Fund, that are increasing as a result of an increased balance of denar and foreign currency deposits from citizens. In 2011 the Bank realized gross profit of thousand denars, i.e. net profit of thousand denars. Thus, the return on assets ratio (ROA) is 1,3% (2010: 2,0%) and return on equity ratio (ROE) is 11,4% (2010: 17,9%). SUPERVISORY BOARD
S T O P A N S K A B A N K A AD S K O P J E
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