Svi prijevodi dobiveni su uz pomoć NeuroTran-a. Interaktivni mod NeuroTran-a korišten
je od strane osobe koja je stručni prevoditelj. Greške koje se neminovno javljaju
u NeuroTran prijevodu stručni prevoditelj je automatski ispravljao. Prevođenje
uz pomoć NeuroTran-a može uštedjeti više od 85% vremena pri prevođenju tekstova
od kratkih do dugih.
Više o NeuroTran®
softveru možete doznati na web stranici: http://www.tranexp.hr/NeuroTran.html
NeuroTran® prijevodi poredani kronološki:
[Wed Jul 16 18:55:35 2003]
Utvrđeno je da je Banka ispravno utvrdila i iskazala osnovicu za obračun kunske obvezne pričuve u iznosu od 580.037 tisuća kuna, te devizne obvezne pričuve u iznosu od 1.783.327 tisuća kuna.
It has been established that the Bank has properly established and expressed the base for the expense report of the kuna obligatory reserve in the amount of 580,037 thousand kuna, as well as foreign-exchange obligatory reserves in the amount of 1,783,327 thousand kuna.
[Wed Jul 16 18:55:37 2003]
Ukupna kunska obvezna pričuva na dan 10.
The total kuna obligatory reserve on 10
[Wed Jul 16 18:57:42 2003]
Od tog je Banka izdvojila na poseban račun kod HNB-a 73%, odnosno 142.288 tisuća kuna, a održavala je iznos od 79.
Of this the Bank has separated into a special account at CNB 73%, that is 142,288 thousand kuna, and has maintained the amount of 79,
[Wed Jul 16 18:58:09 2003]
Ukupna devizna obvezna rezerva na dan 10.
Total foreign-exchange legal reserves on 10
[Wed Jul 16 18:59:09 2003]
Od toga je Banka izdvojila na poseban račun kod HNB-a 50%, odnosno 127.062 tisuće kuna, a održavala je iznos od 171.038 tisuća kuna, odnosno 43.976 tisuća kuna više od obveze održavanja.
From this the Bank has separated into a special account at the CNB 50%, that is 127,062 thousand kuna, and has maintained the amount of 171,038 thousand kuna, that is 43,976 thousand kuna more than obligatory maintenance.
[Wed Jul 16 19:00:29 2003]
Odnos deviznih potraživanja i deviznih obveza
The relationship between foreign exchange claims and foreign exchange liabilities
[Wed Jul 16 19:00:39 2003]
Radi održavanja opće likvidnosti u plaćanjima prema inozemstvu, Banka je dužna održavati odnos kratkoročnih deviznih potraživanja i deviznih obveza (dospijeće do 1 godine) na način da devizna potraživanja iznose najmanje 53% deviznih obveza
In order to maintenan general liquidity in payments abroad, the Bank is obliged to maintain the relationship between short-term foreign exchange claims and foreign exchange liabilities (maturity date up to 1 year) in a way that foreign exchange claims are at least 53% of foreign exchange liabilities
[Wed Jul 16 19:00:42 2003]
Izravnim nadzorom utvrđeno je da odnos deviznih potraživanja i deviznih obveza na dan 30.
On-site supervision has established that the relationship of foreign exchange claims and foreign exchange liabilities on 30
[Wed Jul 16 19:02:51 2003]
duži od jedne godine (financijska konsolidacija lPK Grupe), što je dovelo do smanjenja kratkoročne devizne aktive za iznos od 86,5 mil.
longer than one year (financial consolidation of teh lPK Group), which lead to a decrease in short-term foreign-exchange assets for the amount of 86.5 mil.
[Wed Jul 16 19:04:39 2003]
kuna, a time i posljedicu smanjenja pokrivenosti deviznih potraživanja deviznim obvezama na 45%.
kuna, and with this the consequence of a decrease in the coverage of foreign exchange claims with foreign exchange liabilities to 45%.
[Wed Jul 16 19:04:42 2003]
Iz navedenih razloga, Hrvatska narodna banka- Direkcija za provođenje devizne politike, prihvatila je obrazloženje Banke o privremenom neudovoljavanju propisanog odnosa između deviznih potraživanja i deviznih obveza za mjesec srpanj 2002.
From the mentioned reasons, the Croatian National Bank - Board for the Implementation of Foreign Exchange Policy, has accepted the explanation of the Bank about the temporary non-compliance of the prescribed relationship between foreign exchange claims and foreign exchange liabilities for the month of July 2002
[Wed Jul 16 19:05:23 2003]
Banka je tijekom mjeseca kolovoza poduzela potrebne aktivnosti, te je na dan 31.
The Bank has throughout of the month of August undertaken the necessary activities, and has on 31
[Wed Jul 16 19:11:42 2003]
Izloženost devizne pozicije valutnom riziku
Exposure of the foreign exchange position to foreign currency risk
[Wed Jul 16 19:12:03 2003]
Prema važećim zakonskim propisima, Banka je dužna krajem svakog radnog dana uskladiti izloženost svoje ukupne devizne pozicije valutnom riziku na način da devizne obveze ne smiju biti veće od deviznih potraživanja, niti devizna potraživanja smiju biti veća od deviznih obveza u iznosu koji prelazi 20% jamstvenog kapitala.
Based on current legal provisions, the Bank is obliged to by the end of every working day coordinate the exposure its total foreign exchange position with foreign currency risk in a way that foreign exchange liabilities are not permitted to be greater than the foreign exchange claims, foreign exchange claims are not even permitted to larger than foreign exchange liabilities in the amount which exceeds 20% of the risk-based capital.
[Wed Jul 16 19:12:05 2003]
Izravnim nadzorom obuhvaćena je kontrola izloženosti devizne pozicije valutnom riziku na dan 28.
On-site supervision has encompassed the inspection of exposure to foreign exchange positions to foreign currency risk on 28
[Wed Jul 16 19:14:03 2003]
Utvrđeno je da je Banka ispravno prikazala "kratku" deviznu poziciju u iznosu od 22.002 tisuće kuna (uglavnom u valuti EUR), odnosno 2,64% jamstvenog kapitala.
It has been established that the Bank has properly presented the "short" foreign exchange position in the amount of 22,002 thousand kuna (mainly in Euro currency), that is 2.64% of gurantee capital.
[Wed Jul 16 19:16:46 2003]
Smanjenjem jamstvenog kapitala nakon provedenog izravnog nadzora, izloženost devizne pozicije valutnom riziku iznosi 3,19%, što je u skladu sa zakonskim ograničenjima.
By decreasing the gurantee capital after the implemented on-site supervision, exposure to foreign exchange positions to foreign currency risk is 3.19%, which is in accordance with statutory limitations.
[Wed Jul 16 19:17:37 2003]
Praćenje izloženosti valutnom riziku u nadležnosti je Sektora riznice koji osim dnevnog utvrđivanja izloženosti i izvještavanja Hrvatske narodne banke, prati i planira priljeve i odljeve deviza (za nekoliko dana unaprijed), te po potrebi daje prijedloge o plasiranju kredita sa ili bez valutne klauzule, odnosno vrši arbitraže u svrhu održavanja svoje devizne pozicije.
The monitoring of the exposure to foreign currency risk is in the jurisdiction of the Treasury Sector which besides daily assessments of the exposure and reporting to the Croatian National Bank, monitors and plans the inflow and outflow of foreign exchange (for couple of days ahead), and as necessary gives suggestions on the negotiation of loans with or without the foreign currency clause, that is it performs arbitrations for the purpose of maintenaning its foreign exchange position.
[Wed Jul 16 19:17:38 2003]
Pravilo Banke je da otvorena devizna pozicija ne prelazi 5% jamstvenog kapitala.
The rule of the Bank is that an open foreign exchange position should not exceed 5% the gurantee capital.
[Wed Jul 16 19:21:27 2003]
PROVEDBA ZAKONA O SPRJEČAVANJU PRANJA NOVCA
IMPLEMENTATIONS OF THE LAWS ON PREVENTION OF MONEY LAUNDERING
[Wed Jul 16 19:21:28 2003]
Provedba Zakona o sprječavanju pranja novca ocjenjuje se u skladu s odredbama Zakona o sprječavanju pranja novca i pripadajućih podzakonskih akata.
The implementation of the Law on the Prevention of Money Laundering is appraised in accordance with legal provisions of the prevention Law on the Prevention of Money Laundering and pertaining bylaws.
[Wed Jul 16 19:22:15 2003]
Izravnim nadzorom utvrđeno je da Banka poštuje i provodi odredbe Zakona o sprječavanju pranja novca i pripadajućih podzakonskih akata.
On-site supervision has established that the Bank respects and carries out legal provisions on the prevention money laundering and the pertaining bylaws.
[Wed Jul 16 19:23:12 2003]
ANALIZA PROVEDBE ZAKONA O SPRJEČAVANJU PRANJA NOVCA
ANALYSIS OF IMPLEMENTATION OF LAW ON THE PREVENTION OF MONEY LAUNDERING
[Wed Jul 16 19:24:04 2003]
Sukladno odredbama Zakona o sprječavanju pranja novca i pripadajućih podzakonskih akata, Uprava Banke je u svibnju 1998.
In accordance with legal provisions on the Law on the Prevention of Money Llaundering and pertaining bylaws, the Management Board of the Bank has in May 1998
[Wed Jul 16 19:26:13 2003]
Navedenim Pravilnikom imenovane su ovlaštene osobe koje se zadužuju za provedbu Zakona o sprječavanju pranja novca, te propisane mjere i način rada zaposlenika Banke u svrhu
With the mentioned Book of Regulations authorised individuals have been appointed which are entrusted with the implementation of the Law on the Prevention of Money Laundering, as well as the prescribed measures and way of working of employees of the Bank for the purpose of
[Wed Jul 16 19:31:28 2003]
Pravilnik također definira i unutarnju kontrolu provedba mjera zakona (za koji je zadužen Odjel unutarnje kontrole), u svrhu pravovremenog uočavanja i sprječavanja eventualnih grešaka, te poboljšanja sustava otkrivanja sumnjivih transakcija.
The Book of Regulations also defines also the internal control of teh implementation of the measures of law (for which the Department of Internal Control is responsible), for the purpose of timely observation and the prevention of possible errors, and the improvement of system of discovering suspicious transactions.
[Wed Jul 16 19:31:31 2003]
Kontrolom provedbe mjera Zakona o sprječavanju pranja novca obuhvaćena je podružnica Osijek, transakcije u mjesecu lipnju 2002.
With the inspection of the implementation of the measures of the Law on the Prevention of Money Laundering we have encompassed the Osijek branch, transactions in the month of June 2002
[Wed Jul 16 19:32:33 2003]
Utvrđeno je da je Banka prijavila sve transakcije koji podliježu odredbama Zakona o sprječavanju pranja novca.
It has been established that the Bank has reported all transactions which are subject to legal provisions about the prevention of money laundering.
[Wed Jul 16 19:33:19 2003]
Unutarnja kontrola Banke, u sklopu kontrola podružnica, vrši i nadzor nad provođenjem mjera za sprječavanje pranja novca.
The internal control of the Bank, within the inspection of branches, performs and supervises the implementation of the measured for the prevention of money laundering.
[Wed Jul 16 19:34:39 2003]
Također, izrađuje mjesečna izvješća, kao i godišnje izvješće o provedbi mjera Zakona o sprječavanju pranja novca koje dostavlja Upravi Banke.
It slso, creates monthly reports, as well as an annual report on the implementation of measures of the Law on the Prevention of Money Laundering which it delivers to Management Board of the Bank.
[Wed Jul 16 19:34:41 2003]
Preporuka je Banci automatiziranje procesa odnosno izrada programa koja bi omogućila prepoznavanje svih transakcija iznad 105 tisuća kuna, u svrhu smanjivanja mogućnosti greške i poboljšanja sustava funkcioniranja internih kontrola u Banci.
The recommendation to the Bank is to automate the process in other words to create a program which would enable the recognition of all transactions above the level of 105 thousand kuna, for the purpose of decreasing of possibility of error and in order to improve the system of functioning of internal controls in the Bank.
[Fri Jul 18 08:22:17 2003]
posebne rezerve za neidentificirane gubitke
special reserves for unidentified losses
[Fri Jul 18 08:22:27 2003]
Depoziti žiro i tekućih računa
Deposits of giro and checking accounts
[Fri Jul 18 08:22:37 2003]
Štedni depoziti
Savings deposits
[Fri Jul 18 08:22:38 2003]
Depoziti i krediti (preostalo dospijeće)
Deposits and loans (the left over credit)
[Fri Jul 18 08:24:39 2003]
Dugoročno izdani dužnički VP
long term issued debtor VP
[Fri Jul 18 08:24:41 2003]
Izdani podređeni instrumenti
Issued inferior instruments
[Fri Jul 18 08:24:49 2003]
Izdani hibridni instrumenti
Issued hybrid instruments
[Fri Jul 18 08:24:51 2003]
Kamate, naknade, ostale obveze
Interest, compensation, othes commitments
[Fri Jul 18 08:26:35 2003]
UKUPNA NEUSKLAĐENOST umanjeno za dospjelo potraživanja
TOTAL MALADJUSTMENT reduced by mature claims
[Fri Jul 18 08:28:43 2003]
apsolutni iznosi dani su u tisućama kuna, a relativni u postotku
absolute amounts have been given in thousands of kuna, and the relative ones have been given in percentages
[Fri Jul 18 09:08:58 2003]
Hrvatska narodna banka
Croatian National Bank
[Fri Jul 18 09:09:49 2003]
Likvidnost banke se ocjenjuje u skladu sa supervizorskim smjernicama, a s obzirom na ukupnu uspješnost upravljanja aktivom i pasivom.
Liquidity of the bank is appraised in accordance with supervisor directives, and in respect to the total success of the management of assets and liabilities.
[Fri Jul 18 09:09:59 2003]
Nalaz se temelji na:
The finding is based on:
[Fri Jul 18 09:10:26 2003]
kretanju, strukturi i stabilnosti depozita;
movement, structure and stability of deposits;
[Fri Jul 18 09:10:38 2003]
stupnju diverzifikacije i koncentracije izvora sredstava, stupnju financiranja dugotrajne imovine kratkoročnim izvorima sredstava;
degree of diversification and concentration of sources of funds, degree of financing of fixed assets with short-term sources of funds;
[Fri Jul 18 09:10:57 2003]
stupnju zaduženosti;
degree of indebtedness;
[Fri Jul 18 09:11:18 2003]
mogućnosti podmirenja dospjelih i budućih obveza;
ability to settle mature and future commitments;
[Fri Jul 18 09:11:34 2003]
mogućnosti pretvaranja imovine u novac;
ability of transforming assets into money;
[Fri Jul 18 09:13:14 2003]
pristupu tržištu novca i drugim izvorima financiranja;
access to the money market and other funding sources;
[Fri Jul 18 09:13:38 2003]
učinkovitosti usvojenih politika i postupaka upravljanja aktivom i pasivom, strategije upravljanja izvorima sredstava, upravljačkih informacijskih sustava i planova postupanja u slučaju izvanrednih okolnosti;
efficiency of adopted politics and procedures of management of assets and liabilities, management strategies for fund sources, managing information systems and plans for procedures in the event of extraordinary circumstances;
[Fri Jul 18 09:13:40 2003]
te sposobnosti uprave da utvrđuje, mjeri, prati i kontrolira likvidnost.
and ability of the management board to establish, measures, monitor and control liquidity.
[Fri Jul 18 09:15:08 2003]
Iako Banka ima usvojene procedure upravljanja likvidnošću, te redovito prati kretanje likvidnosti Banke, upravljanje rizikom likvidnosti smatramo nezadovoljavajućim.
Although the Bank has adopted procedures for managing liquidity, and regularly monitors the movement of liquidity of the Bank, we consider its risk management of liquidity unsatisfactory.
[Fri Jul 18 09:16:25 2003]
Banka ima nisku razinu likvidne aktive, i u znatnoj se mjeri oslanja na izvore banke matice.
The Bank has a low level of liquid assets, and in a considerable measure relies on sourcef from its parent bank.
[Fri Jul 18 09:18:02 2003]
Analizom ročne (ne)usklađenosti uočena je značajna ročna neusklađenost u dospijećima imovine i obveza u razdoblju do godinu dana.
When analysing the term (mal)adjustments we have noticed a significant term maladjustment in credits of assets and commitments in the period of up to one year.
[Fri Jul 18 09:18:43 2003]
Banka bi trebala unaprijediti postupke upravljanja sredstvima kroz sustavno praćenje i analizu bilance s ciljem da osigura optimalan odnos između pozicija aktive i pasive.
The Bank needs to improve procedures for resource management through systematic analysis of the balance with the aim of securing an optimal relationship between the positions of assets and liabilities.
[Fri Jul 18 09:18:43 2003]
Također, više bi pažnje trebala posvetiti vlastitim izvorima likvidnosti uz pojačanu aktivnost naplate dospjelih potraživanja.
Also, more attentions needs to be dedicated to its own sources of liquidity with a strengthened activity of charging due receivables.
[Fri Jul 18 09:20:59 2003]
Neto krediti/ukupna aktiva
Net loans/total assets
[Fri Jul 18 09:21:05 2003]
Ukupni krediti / ukupni depoziti
Total loans / gross deposits
[Fri Jul 18 09:21:58 2003]
Bruto likvidna aktiva / ukupna aktiva
Gross liquid assets / total assets
[Fri Jul 18 09:22:04 2003]
Neto međubankovna pozicija / ukupna aktiva
The net interbank position / total assets
[Fri Jul 18 09:22:10 2003]
Rast depozita
Growth of deposits
[Fri Jul 18 09:22:10 2003]
Primljeni krediti / ukupna aktiva
Loans received / total assets
[Fri Jul 18 09:23:12 2003]
pokazatelji rasta izračunati su u odnosu na kraj prethodne godine
growth indicators have been calculated in respect to the end of the previous year
[Fri Jul 18 09:23:51 2003]
Ukupni izvori sredstava (primljeni depoziti i krediti) na dan 30.
Total sources of funds (received deposits and loans) on 30
[Fri Jul 18 09:26:16 2003]
U odnosu na isto razdoblje prethodne godine ukupni izvori zabilježili su pad od 76.145 tisuća kuna odnosno 3,38%.
In respect to the same period of the previous year total sources have noted a down turn of 76,145 thousand kuna that is 3.38%.
[Fri Jul 18 09:26:35 2003]
Do pada izvora najvećim je dijelom došlo zbog smanjenja udjela primljenih kredita za 541.247 tisuća kuna odnosno za 58,41%, koji su većim dijelom transformirani u hibridne instrumente Banke (detaljnije objašnjeno u poglavlju Adekvatnost kapitala).
The fall of sources in largely caused by a decrease of participation of received loans by 541,247 thousand kuna that is by 58.41%, which mostly has been transformed into hybrid instruments of the Bank (more details are given in the chapter on Capital Adequacy).
[Fri Jul 18 09:26:52 2003]
U istom razdoblju ukupni depoziti porasli su za 465.102 tisuća kuna, odnosno za 35,10%.
In the same period gross deposits grew by 465,102 thousand kuna, that is by 35.10%.
[Fri Jul 18 09:27:13 2003]
Porast depozita u najvećoj se mjeri dogodio u drugoj polovici 2001.
Growth of deposits in large measures happened in the second half of 2001
[Fri Jul 18 09:27:13 2003]
godine, a kao posljedica uvođenja EUR-a, kada su ukupni depoziti porasli za 441.227 tisuća kuna.
Growth of deposits in large measures happened in the second half of 2001 , as a result introductions of Euros, when gross deposits grew by 441,227 thousand kuna.
[Fri Jul 18 09:31:36 2003]
Zarada se procjenjuje u skladu sa supervizorskim smjernicama, a obzirom na procijenjene vrste rizika, te sposobnosti uprave da prepozna rizike i njima upravlja.
Earningss are estimated in accordance with supervisor directives, and considering the estimated types of risk, and the ability of the management board to recognize risks and manage them.
[Fri Jul 18 09:32:36 2003]
Nalaz se temelji na:
The finding is based upon:
[Fri Jul 18 09:32:56 2003]
procjeni kvalitete i iznosa zarade u odnosu na razinu zadržane dobiti odnosno odgovarajuće razine temeljnog kapitala;
evaluation of the quality and amounts earned in respect to the level of retained profit or in other words suitable levels of base capital;
[Fri Jul 18 09:33:10 2003]
u odnosu na razinu, kretanje i stabilnosti zarade;
In respect to the level, movement and stability of earnings;
[Fri Jul 18 09:33:23 2003]
razinu troškova u odnosu na opseg poslovanja;
cost levels in respect to the volume of trade;
[Fri Jul 18 09:33:45 2003]
promjenjivost zarade s obzirom na izloženost tržišnom riziku;
changeability of earnings in respect to exposure to market risk;
[Fri Jul 18 09:34:46 2003]
procjeni adekvatnosti rezerviranja za gubitke po plasmanima;
evaluation of the adequacy of reservation for losses of placements;
[Fri Jul 18 09:35:33 2003]
stupnju oslanjanja na izvanredne prihode ili rashode;
degree dependency on extraordinary income or expenditure;
[Fri Jul 18 09:36:18 2003]
procjeni udjela izvanrednih prihoda/rashoda i prihoda/rashoda od trgovanja vrijednosnicama u računu dobiti i gubitka;
evaluation of the participation of extraordinary income/expenditure and income/expenditure from trading securities in the profit and loss account;
[Fri Jul 18 09:36:20 2003]
procjeni adekvatnosti sustava budžetiranja i upravljačkog informacijskog sustava.
evaluation of the adequacy of the budgeting system and the management information system.
[Fri Jul 18 09:37:33 2003]
Poslovanje Banke posljednjih godina obilježeno je gubicima u poslovanju te dobiti na kraju 2001.
The business operations of the Bank in recent years has been marked by losses in business operations as well as profit at the end of 2001
[Fri Jul 18 09:38:27 2003]
Profitabilnost Banke pod utjecajem je rizika u kreditnom portfelju.
The profitability of the Bank is under the influence of risk in its credit portfolio.
[Fri Jul 18 09:38:42 2003]
Dodatne rezervacije utvrđene izravnim nadzorom negativno se odražavaju na zaradu i rezultiraju visokim gubitkom koji ugrožava razinu kapitala.
Additional provisions established by the on-site supervision negatively reflect on earnings and result in a high loss which endangers the level of capital.
[Fri Jul 18 09:40:15 2003]
Rezervacije za sudske sporove koje je Banka provela tijekom izravnog nadzora dodatno povećavaju gubitak.
Provisions for litigation which the Bank has implemented throughout the on-site supervision additionally increase the loss.
[Fri Jul 18 09:40:48 2003]
Za razliku od istog razdoblja prethodne godine, kada je poslovanje Banke obilježeno gubitkom iz neto operativnog poslovanja, Banka je u ovoj godini uspjela smanjujući aktivne i pasivne kamatne stope povećati kamatni raspon i ostvariti operativnu dobit.
Unlike the same period of the previous year, when business operations of the Bank have been marked by a loss from net operational business operations, the Bank in this year has succeeded by decreasing active and passive rates of interest to increase the interest range and tol achieve earnings before interest and taxes.
[Fri Jul 18 09:40:49 2003]
Značajan udio u troškovima Banke, imaju troškovi vezani uz transakcije s Hypo Klagenfurt i povezanim osobama (naročito kamatni troškovi).
A significant share in cost of the Banks, are costs tied to transactions with Hypo Klagenfurt and connected individuals (especially interest expenses).
[Fri Jul 18 09:43:06 2003]
Neto kamatni prihod / prosječna kamatna aktiva (NIM)
The net interest income / average interest assets (NIM)
[Fri Jul 18 09:43:13 2003]
Opći administrativni troškovi / prosječna aktiva
General administrative expenses / average assets
[Fri Jul 18 09:43:22 2003]
Nekamatni prihodi / prosječna aktiva
Non-interest income / average assets
[Fri Jul 18 09:43:58 2003]
Kamatni prihod od ukupno odobrenih kredita / prosjek ukupno danih kredita
The interest income of total granted credits / mean total given loans
[Fri Jul 18 09:44:05 2003]
Kamatni prihod od kredita financijskim institucijama/prosjek kredita FI
The interest income of loans to financial institutions / mean FI loans
[Fri Jul 18 09:44:12 2003]
Kamatni prihod od ostalih kredita / prosjek ostalih kredita
The interest income of other loans / mean of other loans
[Fri Jul 18 09:44:23 2003]
Kamatni troškovi na primljene kredite / prosjek ukupno primljenih kredita
Interest charges on loans received / mean total loans received
[Fri Jul 18 09:44:23 2003]
Kamatni troškovi na primljene depozite / prosjek ukupno primljenih depozita
Interest charges on received deposits / mean total accepted deposits
[Fri Jul 18 09:45:19 2003]
Iako je Banka na dan 30.
Although the Bank on 30
[Fri Jul 18 09:52:29 2003]
Primljeni krediti i depoziti
Received loans and deposits
[Fri Jul 18 09:52:31 2003]
Primljeni hibridni instrumenti
Received hybrid instruments
[Fri Jul 18 09:52:47 2003]
Ukupni izvori sredstava
Total sources of funds
[Fri Jul 18 09:52:58 2003]
Troškovi na hibridne instrumente
Hybrid instrument costs
[Fri Jul 18 09:53:01 2003]
Troškovi na primljene kredite i depozite
Costs of received loans and deposits
[Fri Jul 18 09:53:14 2003]
Ukupno kamatni troškovi
Total interest charges
[Fri Jul 18 09:53:25 2003]
Troškovi konzultantskih usluga**
Costs of consulting services**
[Fri Jul 18 09:53:31 2003]
Troškovi leasinga
Leasing costs
[Fri Jul 18 09:53:39 2003]
Sveukupni troškovi
Total costs
[Fri Jul 18 09:53:45 2003]
Ulaganje u software***
Investment in software**
[Fri Jul 18 09:53:45 2003]
Sveukupno troškovi i ulaganja
Total costs and investments
[Fri Jul 18 09:55:51 2003]
godina prikazuje troškove na polugodišnjoj razini
represents costs on the half-year level
[Fri Jul 18 09:56:11 2003]
** Konzultantske usluge odnose se na konzultantske usluge prema Hypo Klagenfurt i Hypo Zagreb, a u ukupan iznos za 2001.
** Consulting services refer to consulting services towards Hypo Klagenfurt and Hypo Zagreb, and in the grand total for 2001
[Fri Jul 18 09:58:41 2003]
Vlasnički ulozi na datum izravnog nadzora (u tisućama kuna)
Owner's shares on the date of on-site supervision (in thousands od kuna)
[Fri Jul 18 10:01:48 2003]
Nabavna vrijednost
Acquisition cost
[Fri Jul 18 10:01:49 2003]
Ispravak vrijednosti
Value adjustment
[Fri Jul 18 10:01:51 2003]
Neto vrijednost
Net worth
[Fri Jul 18 10:03:16 2003]
Ukupno povezan trgovačka društva i podružnice
Total connected companies and branches
[Fri Jul 18 10:05:19 2003]
Vlasnički ulozi stečeni u zamjenu za nenaplaćena potraživanja
Owner's shares acquired in return for overdue receivables
[Fri Jul 18 10:05:50 2003]
Investicijski portfelj vrijednosnih papira (10-21)
The investment portfolio of securities (10-21)
[Fri Jul 18 10:09:40 2003]
jamstveni kapital
risk-based capital
[Fri Jul 18 10:09:57 2003]
vlasnički ulog
owner's share
[Fri Jul 18 10:11:50 2003]
Ukupno vlanički ulog - ne uključuju se u JAK
Total owner's share - are not include in risk-based capital
[Fri Jul 18 10:11:50 2003]
Sveukupno vlasnički ulozi
Total of owner's shares
[Fri Jul 18 10:13:13 2003]
Komparativni obrazac ulaganja u materijalnu imovinu
The comparative investment pattern into physical assets
[Fri Jul 18 10:13:13 2003]
(u tisućama kuna)
(in thousands of kuna)
[Fri Jul 18 10:15:47 2003]
Oprema i postrojenja
Equipment and facilities
[Fri Jul 18 10:15:49 2003]
Namještaj i transportni uređaji
Furniture and transportation appliances
[Fri Jul 18 10:15:51 2003]
Ostala materijalna imovina
Other physical assets
[Fri Jul 18 10:15:53 2003]
Materijalna imovina u pripremi
Physical assets in preparation
[Fri Jul 18 10:15:54 2003]
Preuzeta imovina
Foreclosed and repossessed assets
[Fri Jul 18 10:19:59 2003]
Velika izloženost
Large exposure
[Fri Jul 18 10:20:06 2003]
Odbitne stavke od izloženosti
Deductible items of the exposure
[Fri Jul 18 10:20:33 2003]
Komitent
Account holder
[Fri Jul 18 10:23:56 2003]
Izloženost prema dioničaru s više od 3% dionica s pravom glasa na datum izravnog nadzora
Exposure towards the stockholder with more than 3% of shares with voting rights on the date of on-site supervision
[Fri Jul 18 10:29:02 2003]
Izloženost prema osobama u posebnom odnosu prema Banci na datum izravnog nadzora
Exposure towards individuals in a special relationship towards the Bank on the date of on-site supervision
[Fri Jul 18 10:29:58 2003]
Depoziti i ostvarene obaveze
Deposits and realized obligations
[Fri Jul 18 10:31:24 2003]
Dioničari s više od 5% dionica
Stockholders with more than 5% of shares
[Fri Jul 18 10:32:13 2003]
Povezana trgovačka društva s bankom
Connected companies with the bank
[Fri Jul 18 10:32:49 2003]
Podružnice banke
Bank branches
[Fri Jul 18 10:38:43 2003]
Ostali reklasificirani klijenti - potrebne dodatne rezerve i razlozi reklasifikacije
Other reclassified clients necessary additional reserves and reasons reclassifications
[Fri Jul 18 10:40:46 2003]
Potrebne rezerve - glavnica
Required reserves - principal
[Fri Jul 18 10:40:57 2003]
Isključeni prihodi
Excluded income
[Fri Jul 18 10:41:01 2003]
Ukupna potrebna rezerva
Total necessary reserve
[Fri Jul 18 10:41:02 2003]
Formalne rezerve
Formal reserves
[Fri Jul 18 10:41:08 2003]
Dodatne potrebne rezerve
Additional required reserves
[Fri Jul 18 10:41:08 2003]
Razlozi za reklasifikaciju
Reasons for reclassification
[Fri Jul 18 10:45:18 2003]
Dospjele obveze (5 partija kredita) ne podmiruje od 2000.
Immediate liabilities (5 sets of loans) have not been settle since 2000
[Fri Jul 18 10:50:11 2003]
Dospjele obveze po kreditima ne podmiruje od 1999.
Immediate liabilities for loans have not been settled sine 1999
[Fri Jul 18 10:54:24 2003]
Dospjele obveze ne podmiruje od 2000.
Immediate liabilities have not been settled since 2000
[Fri Jul 18 11:04:45 2003]
Plaćanje po garanciji 13062/00 u 2000-oj godini nepodmireno, kao što nije podmirena ni cjelokupna kamata obračunata po njoj - iznos 3,3 mil.
Paying based on guarantee 13062/00 in 2000 is unsettled, the total interest calculated on it has not been settled - the amount of 3.3 million
[Fri Jul 18 11:07:11 2003]
Devizna garancija plaćane rate od 2001-nepodmirene, kao što nije podmirivana ni kamata, na iznos od 758 tisuća kuna -osiguranje 70 junica;
The foreign-exchange guarantee installment 2001-unsettled, the interest has not been settled, for the amount of the 758 thousand kuna - insurance 70 heifers;
[Fri Jul 18 11:07:23 2003]
blokiran 2.629 dana na iznos od 32,5 mio kuna, gubitak u 2001.8 milijuna kn (iz redovnog poslovanja 9 milijuna kn.)
blocked 2,629 days for the amount of 32.5 million kuna, loss in 2001 - 8 million kuna (from regular business operations 9 million kuna)
[Fri Jul 18 11:08:20 2003]
Dospjela potraživanja.
Due receivables.
[Fri Jul 18 11:09:05 2003]
Plasman koji je odobren kao reprogram dospjelih obveza ne podmiruje od 2000.
Placement which been approved as a reprogram of immediate liabilities has not been settled since 2000
[Fri Jul 18 11:10:26 2003]
Cjelokupni dug dospio - rate nepodmirene od 2000.
Total mature debt - installments unsettled since 2000
[Fri Jul 18 11:13:33 2003]
osiguranje - akceptni i mjenice;
insurance acceptance and bills of exchange;
[Fri Jul 18 11:15:20 2003]
Glavnica po partiji 16355 nedospjela, kamate neplaćene od 31.05.02 -osiguranje 250 goveda vrijednosti 1.900 tisuća kuna 1.
Principal for the set of 16355 still due, interest unpaid since 31.05.02 - insurance 250 bovines of value 1,900 thousand kuna 1,
[Fri Jul 18 11:16:14 2003]
Plasman odobren kao reprogram obveza ne podmiruje od 2000.godine, osiguranje:
Placement approved as a reprogram of commitments is not settled since 2000, insurance:
[Fri Jul 18 11:18:25 2003]
Dospjele rate (1,7 milijuna kuna dospjelo) ne podmiruje od 2000.
Mature installments (1.7 million kuna mature) is not settling since 2000
[Fri Jul 18 11:22:39 2003]
Dospjeli dug ne podmiruje od 2000, osiguranje -2 traktora i 2 kombajna , blokada 1329 dana, posluje s gubitkom, gubitak iznad visine kapitala 2.351 tisuća kuna
Mature debt is not being settled since 2000, insurance 2 tractors and 2 combines, blockade 1,329 days, works with a loss, the loss is above the height capital of 2,351 thousand kuna
[Fri Jul 18 11:23:06 2003]
Dospjeli dug ne podmiruje od 1999.g.; osiguranje hipoteka na zgrada, dvor.
Mature debt is not being settled since 1999; insurance: mortgages on the building, court
[Fri Jul 18 11:24:00 2003]
Oranica, procjena nekretnine 1 milijuna kn, blokada 2462 dana
mortgages on the building, court plowed field, evaluation of real estate is 1 million kuna, in blockade 2,462 days
[Fri Jul 18 11:24:00 2003]
Dospjelo 524 tisuća kuna, nedospjelo 80 tisuća -ne placa od 2000, osiguranje -4 traktora, kapital 727 tisuća, gubitak 2.203 tisuće kuna, blokiran 1313 dana
Mature 524 thousand kuna, still due 80 thousand - is not paying since 2000, insurance: 4 tractora, capital 727 thousand kuna, loss 2,203 thousand kuna, is blocked 1,313 days
[Fri Jul 18 11:29:11 2003]
Ukupni kreditni rizik na 30.06.02
The total credit risk on 30.06.02
[Fri Jul 18 11:29:15 2003]
Kreditni rizik nakon SWAP-a u dionice
Credit risk after SWAP into shares
[Fri Jul 18 11:29:41 2003]
Plaćanje i osiguranje
Paying and insurance
[Fri Jul 18 11:29:41 2003]
Financijsko stanje
Financal standing
[Fri Jul 18 11:32:43 2003]
sa stanjem na dan 30.06.02 ne plaća dospjele obveze od 1998.
with the balance as of 30.06.02 has not paid immediate liabilities since 1998
[Fri Jul 18 11:33:16 2003]
na iznos 57.122 tisuća kuna, dok je ostatak od 40 milijuna.
on the amount of 57,122 thousand kuna, while the rest of 40 million
[Fri Jul 18 11:34:57 2003]
novo dodatno osiguranje trebalo bi biti (nije još provedeno) pokretnine procijenjene na 52 milijuna.
a new additional insurance needs to be (has not been implemented) movable properties estimated at 52 million
[Fri Jul 18 11:35:25 2003]
sa stanjem na dan 30.06.02 kasni po svim partijama kredita od 1999.
with the balance as of 30.06.02 is late on all sets of loans of 1999
[Fri Jul 18 11:36:17 2003]
proveden reprogram (nije potpisan od strane Banke) na iznos od 32.357 tisuće kuna, dok je ostatak od 17.500 tisuća kuna pretvoreno u dionice IPK d.d.
implemented a reprogram (has not been signed by the Bank) for the amount of 32,357 thousand kuna, while the rest of 17,500 thousand kuna has been turned into shares of IPK d.d.
[Fri Jul 18 11:36:53 2003]
postojeće osiguranje - nekretnine procijenjene na 32 milijuna kuna;
existing insurance - real estate estimated at 32 million kuna;
[Fri Jul 18 11:37:29 2003]
dodatno osiguranje po reprogramu (nije još provedeno) trebalo bi biti - pokretnine procijenjene na 10 milijuna kuna
additional insurance based on the reprogram (has not been implemented yet) should be movable property estimated at 10 million kuna
[Fri Jul 18 11:37:34 2003]
sa stanjem na dan 30.06.02 kasni po svim partijama kredita od 1999.
with the balance as of 30.06.02 is late on all sets of loans of 1999.
[Fri Jul 18 11:39:12 2003]
proveden reprogram (nije potpisan od strane Banke) na iznos od 16.382 tisuće kuna, dok je ostatak od 2.600 tisuća kuna pretvoren u dionice IPK d.d.
implemented a reprogram (has not been signed by the Bank) for the amount of 16,382 thousand kuna, while the rest of 2,600 thousand kuna has been turned into shares of IPK d.d.
[Fri Jul 18 11:39:46 2003]
dosadašnje osiguranje - nekretnine procijenjene na 22 milijuna kuna, te zalog na brašnu koje neće više biti osiguranje (10.000t po 1,3 milijuna kuna);
current insurance - real estates estimated at 22 million kuna, as well as the security on the flour which will no longer be the security (10.000 T for 1.3 million kuna);
[Fri Jul 18 11:40:06 2003]
dodatno osiguranje (koje još nije provedeno) su pokretnine procijenjene vrijednosti 12,8 milijuna kuna
additional insurance (which has not been implemented) are movable properties valuated at 12.8 million kuna
[Fri Jul 18 11:40:09 2003]
sa stanjem na dan 30.06.02 kasni s plaćanjem od 1998.
with the balance as of 30.06.02 is late in paying of 1998
[Fri Jul 18 11:42:48 2003]
(ukupno 69 milijuna potraživanja cijele grupe+dosadašnji udjeli);
(a total 69 millions of claims whole group + current shares);
[Fri Jul 18 11:43:14 2003]
sa stanjem na dan 30.06.02 ne placa veći dio obveza od 1999.
with the balance as of 30.06.02 is not paying the majority of commitmentd of 1999
[Fri Jul 18 11:46:07 2003]
osiguranje - pljenidbeni popis nekretnina procijenjene na iznos od 6,6 mio kuna, buduće osiguranje -iste nekretnine (ali upisom u zemljišne knjige)
insurance - confiscatory list of real estate is estimated for the amount of 6.6 millon kuna, future insurance - the same real estate (but with land registration)
[Fri Jul 18 11:46:09 2003]
sa stanjem na dan 30.06.02 ne plaća obveze od 1999.
with the balance as of 30.06.02 is not paying commitments of 1999
[Fri Jul 18 11:48:39 2003]
postojeće (i buduće) osiguranje -nekretnine -procijenjene na iznos od 20,6 milijuna kuna, upisana nadhipoteka HBOR-a
existing (and future) insurance - real estate estimated at 20.6 million kuna, registered super-mortgage HBOR
[Fri Jul 18 12:02:46 2003]
gubitak preko visine kapitala u iznosu od 136 milijuna kuna biti će nadoknađen dokapitalizacijom;
loss over the size of capital in the amount of 136 million kuna will be compensated with additional capitalisation;
[Fri Jul 18 12:06:51 2003]
preostali kapital je 18 milijuna kuna, a imovina biti manja od kratkoročnih obveza
left capital 18 million kuna, and the assets will smaller than current liabilities
[Fri Jul 18 12:18:06 2003]
Sektorska izloženost kreditnom riziku na datum izravnog nadzora (u tisućama kuna)
The sector exposure to credit risk on the date of on-site supervision (in thousands of kuna)
[Fri Jul 18 12:35:40 2003]
kreditna osnova
the credit basis
[Fri Jul 18 12:36:25 2003]
Ukupna izloženost kreditnom riziku
The total exposure to credit risk
[Fri Jul 18 12:37:08 2003]
Izloženost kreditnom riziku
Exposure to the credit risk
[Fri Jul 18 12:40:53 2003]
Ukupno trgovačka društva
Total companies
[Fri Jul 18 12:40:57 2003]
Poljoprivreda lov, šumarstvo i ribnjičarstvo
Agriculture hunting, forestry and fishery
[Fri Jul 18 12:41:05 2003]
Rudarstvo i vađenje
Mining and removal
[Fri Jul 18 12:41:32 2003]
Proizvodnja hrane i pića
Food production and drinks
[Fri Jul 18 12:41:35 2003]
Proizvodnja odjeće dorada i bojanje krzna
Clothing industry, finishing and painting furs
[Fri Jul 18 12:41:37 2003]
Izdavačka i tiskarska djelatnost
Publishing and printing activity
[Fri Jul 18 12:41:42 2003]
Proizvodnja kemikalija i kemijskih proizvoda
Production of chemicals and chemical products
[Fri Jul 18 12:41:46 2003]
Proizvodnja ostalih nemetalnih mineralnih proizvoda
Production of other non-metallic mineral products
[Fri Jul 18 12:41:53 2003]
Proizvodi od metala osim strojeva
Fabricated metal products besides engines
[Fri Jul 18 12:42:05 2003]
Ostala prerađivačka industrija
Other processing industry
[Fri Jul 18 12:42:07 2003]
Opskrba električnom energijom plinom i vodom
Supplying electricity gas and water
[Fri Jul 18 12:42:28 2003]
Trgovina na veliko i malo, popravak motornih vozila
Wholesale trade and trade, repair of motor vehicles
[Fri Jul 18 12:44:46 2003]
Hoteli i restorani
Hotels and restaurants
[Fri Jul 18 12:45:07 2003]
Prijevoz, skladištenje i veze
Transport, warehousing and communication
[Fri Jul 18 12:45:19 2003]
Poslovanje nekretninama iznajmljivanje, i poslovne usluge
Business operations renting real estates, and business services
[Fri Jul 18 12:45:24 2003]
Javna uprava i obrana
Public management and defense
[Fri Jul 18 12:46:01 2003]
zaštita i socijalna, skrb
Health protection and social care
[Fri Jul 18 12:46:07 2003]
Ostale društveno socijalne i osobne uslužne djelatnosti
Other societal social and personal service trades
[Fri Jul 18 12:46:12 2003]
Financijsko posredovanje
Financial mediation
[Fri Jul 18 12:46:20 2003]
Domaće financijske institucije
Home financial institutions
[Fri Jul 18 12:46:22 2003]
Srane osobe
Foreign individuals
[Fri Jul 18 12:46:24 2003]
UKUPNO IZLOŽENO KREDITNOM RIZIKU
TOTAL EXPOSED CREDIT RISK
[Fri Jul 18 12:48:04 2003]
Opis
Description
[Fri Jul 18 12:48:05 2003]
Rezerve za identificirane gubitke
Reserves for identified losses
[Fri Jul 18 12:49:07 2003]
Rezerve za identificirane gubitke
Reserves for identified losses
[Fri Jul 18 12:49:09 2003]
Rezerve za neidentificirane gubitke
Reserves for unidentified losses
[Fri Jul 18 12:49:09 2003]
Ukupno rezerve
Total reserves
[Fri Jul 18 12:51:58 2003]
Kvaliteta aktive se procjenjuje u odnosu na:
Bank asset quality is estimate with respect to:
[Fri Jul 18 12:52:20 2003]
razinu i kretanje bilančne i izvanbilančne rizične aktive;
the level and movement of the balance and off-balance risk assets;
[Fri Jul 18 12:52:34 2003]
adekvatnost kreditnih politika i postupaka te politika i postupaka ulaganja;
adequacy of policies and procedures as well as politics and procedures of investments;
[Fri Jul 18 12:52:57 2003]
opseg i prirodu izuzetaka u poštivanju usvojenih politika i postupaka;
volume and nature of exceptions in the respect to the adopted politics and procedures;
[Fri Jul 18 12:53:26 2003]
postojeće mogućnosti identificiranja, praćenja i mogućnosti smanjenja rizične aktive;
existing possibilities of identifications, monitorring and possibilities of decreasing risky assets;
[Fri Jul 18 12:54:58 2003]
formirane posebne rezerve u odgovarajućem iznosu;
forming of a special reserve in the suitable amount;
[Fri Jul 18 12:55:06 2003]
diversifikaciju i kvalitetu kreditnog portfelja i investicijskog portfelja dužničkih vrijednosnih papira;
diversification and quality of the credit portfolio and investment portfolio of debtor securities;
[Fri Jul 18 12:55:26 2003]
koncentracije izloženosti;
concentrations of exposure;
[Fri Jul 18 12:55:40 2003]
kvalitetu trgovačkog i investicijskog portfelja vrijednosnih papira;
quality of the commercial and investment portfolio of securities;
[Fri Jul 18 12:55:45 2003]
ulaganja u podružnice i povezana trgovačka društva;
investment in branches and connected companies;
[Fri Jul 18 12:56:03 2003]
ulaganja u materijalnu imovinu;
investments in physical assets;
[Fri Jul 18 12:56:05 2003]
i postojeći upravljački informacijski sustav.
and the existing management information system.
[Fri Jul 18 12:57:25 2003]
Visoka razina rizične aktive ukazuje na lošu kvalitetu aktive, a utvrđene dodatne posebne rezerve za identificirane gubitke po plasmanima na neadekvatno praćenje i mjerenje kreditnog rizika.
The high level risky assets points to poor quality assets, and the established additional special reserves for identified losses for placements on inadequate monitorring and measurement of credit risk.
[Fri Jul 18 12:58:55 2003]
Krediti klasificirani u B-E rizične skupine čine visokih 48, 73% ukupnog kreditnog portfelja Banke.
Loans classified in B -E risk group make up a high 48.73% of the total credit portfolio of the Bank.
[Fri Jul 18 13:00:18 2003]
Značajna izloženost granama djelatnosti vezanim uz poljoprivredu predstavlja problem za Banku obzirom na loše financijsko stanje većeg broja klijenata iz te grane djelatnosti.
The significant exposure to the branch of activity tied with agriculture represents a problem for the Bank considering the bad financing standing of a larger number of clients from this branch of activity.
[Fri Jul 18 13:01:37 2003]
Navedeni plasmani rješavaju se već duži vremenski period i obzirom na protek vremena upitno je kakve će efekte polučiti.
The mentioned placements are in the process of resolution already for longer time period and considering on the expiry times it is questionable what effects they will achieve.
[Fri Jul 18 13:02:18 2003]
Efikasnije rješavanje problematike klijenata agrarne djelatnosti ne ovisi samo o Banci, već i o drugim vjerovnicima, čime se produljuju rokovi i utječe na dodatno pogoršanje ionako lošeg financijskog stanja klijenata.
More efficiently getting rid of the issue of clients with agrarian activity does not depend alone on the Bank, but also on other creditors, which extends deadlines and influences the additional deterioration of a anyway bad financing standing of clients.
[Fri Jul 18 13:04:30 2003]
Banka treba izraditi i implementirati adekvatne procedure vezane uz nabavku materijalne i nematerijalne imovine, te troškova usluga kao i uvjeta pod kojima će se odvijati transakcije s povezanim osobama, u svrhu izbjegavanja mogućih nepovoljnih efekata na profitabilnost Banke, kao i osiguranje najpovoljnijih uvjeta za nabavku određene imovine i usluga.
The Bank needs to make and implement adequate procedures tied with the acquisition of material and invisible assets, and costs of services as well as the condition under which will unwind transactions with connected individuals, for the purpose of avoiding of possible unfavourable effects on the profitability of the Bank, as well as the insurance of most favourable conditions for the acquisition of particular assets and services.
[Fri Jul 18 13:04:30 2003]
Iako se povećanjem jamstvenog kapitala većina izloženosti Banke svela u zakonski propisana ograničenja, Banka još uvijek krši propisano ograničenje izloženosti prema grupi povezanih osoba (IPK grupi) kao i izloženost prema dioničaru s više od 3% dionica i s njime povezanim osobama.
Although by increasing the risk-based capital of the majority of the Bank's exposures have been reduced within the legally prescribed restrictions, the Bank still breaks the regulated restriction of exposure towards groupd of connected individuals (the IPK group) as well as exposure towards a stockholder with more than 3% of sharse and with him connected individuals.
[Fri Jul 18 13:06:51 2003]
Rast ukupne aktive
Growth of total assets
[Fri Jul 18 13:06:58 2003]
Rast neto kredita komitentima
Growth of net loans to account holders
[Fri Jul 18 13:07:07 2003]
Neto krediti pravnim osobama u ukupnim neto kreditima
Net loans to legal entities in total net loans
[Fri Jul 18 13:07:10 2003]
Posebne rezerve za kredite pravnim osobama/ukupni krediti pravnim osobama
Special reserves for loans to legal entities/total loans to legal entities
[Fri Jul 18 13:07:18 2003]
Posebne rezerve za kredite/ukupni krediti
Special reserves for loans/total loans
[Fri Jul 18 13:07:20 2003]
CDE krediti/ukupni bruto krediti
CDE loans/total gross loans
[Fri Jul 18 13:07:23 2003]
BCDE krediti/ukupni bruto krediti
BCDE loans/total gross loans
[Fri Jul 18 13:07:25 2003]
Posebne rezerve za plasmane/ukupni plasmani
Special reserves for placements/total placements
[Fri Jul 18 13:07:25 2003]
BCDE plasmani/ukupni plasmani
BCDE placements/total placements
[Fri Jul 18 13:08:19 2003]
pokazatelji rasta izračunati su kao porast navedenog razdoblja u odnosu na kraj prethodne godine
indicators of growth have been calculated as the growth of the mentioned period in respect to the end of the previous year
[Fri Jul 18 13:08:54 2003]
ANALIZA KVALITETE AKTIVE
ANALYSIS OF BANK ASSET QUALITY
[Fri Jul 18 13:08:54 2003]
Aktiva Banke na datum izravnog nadzora iznosi 3.069.477 tisuća kuna, te u odnosu na isto razdoblje protekle godine bilježi rast u iznosu od 457 .241 tisuća kuna, odnosno 17,50%.
The assets of the Bank on the date of on-site supervision are 3,069,477 thousand kuna, and in respect to the same period of last year record a growth in the amount of 457,241 thousand kuna, that is 17.50%.
[Fri Jul 18 13:09:51 2003]
Komparativni obrazac jamstvenog kapitala (u tisućama kuna)
The comparative pattern of guarantee capital in ( (in thousand kuna)
[Fri Jul 18 13:11:08 2003]
Uplaćene obične dionice
Paid in regular stocks
[Fri Jul 18 13:11:54 2003]
Uplaćene povlaštene dionice (osim KPD)
Paid in preferred shares (besides KPD)
[Fri Jul 18 13:11:55 2003]
Rezerve formirane na teret dobiti nakon oporezivanja
Reserves are formed as a charge to profit after taxation
[Fri Jul 18 13:11:57 2003]
Zadržana dobit
Retained profit
[Fri Jul 18 13:12:11 2003]
Dobit tekuće godine
Profit for the current year
[Fri Jul 18 13:12:13 2003]
Kapitalna dobit
Capital profit
[Fri Jul 18 13:12:18 2003]
Rezerve za vlastite dionice
Reserves for treasury stocks
[Fri Jul 18 13:12:20 2003]
Bruto temeljni kapital
Gross base capital
[Fri Jul 18 13:12:28 2003]
Gubici proteklih godina
Losses of last years
[Fri Jul 18 13:12:30 2003]
Gubitak tekuće godine
Loss of the current year
[Fri Jul 18 13:13:01 2003]
Kapitalni gubitak
Capital loss
[Fri Jul 18 13:13:15 2003]
Goodwill, licence, Patenti, zaštitni znakovi
Goodwill, licenses, patents, trade marks
[Fri Jul 18 13:14:42 2003]
Stečene vlastite dionice koje se uključuju u temeljni kapital
Acquired treasury stocks which are included in the base capital
[Fri Jul 18 13:14:51 2003]
Neotplaćeni iznos kredita kojim su kupljene dionice banke
Unpaid credit amount with which bank stocks have been bought
[Fri Jul 18 13:14:59 2003]
Ukupni odbici od temeljnog kapitala
Total deductions from base capital
[Fri Jul 18 13:15:01 2003]
Temeljni kapital {temeljni kapital.
Base capital (the base capital.
[Fri Jul 18 13:15:10 2003]
Dopunski kapital
The additional capital
[Fri Jul 18 13:15:12 2003]
Posebne rezerve za neidentificirane gubitke
Special reserves for unidentified losses
[Fri Jul 18 13:15:13 2003]
Hibridni instrumenti
Hybrid instruments
[Fri Jul 18 13:15:18 2003]
Podređeni instrumenti
Inferior instruments
[Fri Jul 18 13:15:19 2003]
Bruto dopunski kapital
Gross additional capital
[Fri Jul 18 13:15:39 2003]
Stečene vlastite kumulativne povlaštene dionice
Acquired own cummulative preference stocks
[Fri Jul 18 13:15:52 2003]
Posebne rezerve za neidentificirane gubitke koji se ne uključuju u dopunski kapital
Special reserves for unidentified losses which are not included in additional capital
[Fri Jul 18 13:16:12 2003]
Podržani instrumenti koji se ne uključuju u dopunski kapital
Supported instruments which are not included in additional capital
[Fri Jul 18 13:16:38 2003]
Potraživanja i potpora obveznog osiguranja hibridnim ili podređenim instrumentima banke
Claims and support of obligatory insurance with hybrid or inferior instruments of the bank
[Fri Jul 18 13:16:42 2003]
Neotplaćeni iznos kredita kojim su kupljene KPD te jamstva
The unpaid credit amount with which KPD have been bough as well as guarantees
[Fri Jul 18 13:16:49 2003]
Ukupni odbici od dopunskog kapitala
Total deductions of additional capital
[Fri Jul 18 13:17:34 2003]
Dopunski kapital (bruto dopunski kapital odbici)
Additional capital (gross additional capital deductions)
[Fri Jul 18 13:17:41 2003]
Dopunski kapital koji se uključuje ujam.
Additional capital which is included in the gurantee capital
[Fri Jul 18 13:27:33 2003]
Komparativni obrazac adekvatnosti kapitala (u tisućama kuna)
The comparative pattern capital adequacy (in thousands of kuna)
[Fri Jul 18 13:29:16 2003]
Ukupan iznos ponderirane bilančne aktive
Grand total of weighted balance assets
[Fri Jul 18 13:29:40 2003]
Ukupan iznos konvertirane i ponderirane izvanbilančnih rizičnih stavki
Grand total of converted and weighted off-balance risk items
[Fri Jul 18 13:31:36 2003]
Uplaćeni temeljni kapital na dan 30.
The paid in base capital on 30
[Fri Jul 18 13:32:58 2003]
Nominalna vrijednost dionice u kn
Denomination value shares in kuna
[Fri Jul 18 13:32:58 2003]
Ukupni nominalni iznos
Total face amount
[Fri Jul 18 13:34:12 2003]
Banka je u 2001.
The Bank has in 2001
[Fri Jul 18 13:34:14 2003]
godini ostvarila dobit u iznosu od 3.691 tisuće kuna koja se Odlukom Glavne skupštine Banke od 24.
The Bank has in 2001 made a profit in the amount of 3,691 thousand kuna which wiht the Decision of the General Assembly of the Bank on 24
[Fri Jul 18 13:35:05 2003]
Dokapitalizacija Banke
Additional capitalisation of the Bank
[Fri Jul 18 13:35:42 2003]
Glavna Skupština Banke donijela je u lipnju 2001.
The General Assembly of the Bank has brought in June 2001
[Fri Jul 18 13:39:02 2003]
Temeljni kapital Banke povećao se time sa iznosa od 21 0.423 tisuće kuna na 370.423 tisuće kuna i to izdavanjem nove emisije dionica serije "C" ukupno 123.077 redovnih dionica.
The base capital of the Banks has threfore increased from the amount of 210,423 thousand kuna to 370.423 thousand kuna and this has been accomplised by a new issues of shares of series "C" a total of 123,077 common shares.
[Fri Jul 18 13:39:18 2003]
Nakon provedene dokapitalizacije Hypo Klagenfurt postaje većinski dioničar sa 71,53% udjela u temeljnom kapitalu Banke.
After implementing the additional capitalisation Hypo Klagenfurt becomes the majority shareholder with 71.53% of shared in the base capital of the Bank.
[Fri Jul 18 13:39:26 2003]
Vlasnička struktura Banke na datum izravnog nadzora prikazana je u sljedećoj Tablici.
The wwnership structure of the Bank on the date of on-site supervision has been presented in following Table.
[Fri Jul 18 13:39:28 2003]
Vlasnička struktura Banke na dan 30.
Ownership structure of the Bank on 30
[Fri Jul 18 13:45:21 2003]
Nakon isknjižavanja vlastitih dionica temeljni kapital Banke upisan u sudski registar (svibanj 2002.
After account record erasure of treasury stocks the base capital of the Bank entered into the court register (May 2002
[Fri Jul 18 13:45:32 2003]
Dopunski kapital Banke na dan 30.
Additional bank capital on 30
[Fri Jul 18 13:47:26 2003]
Obzirom na smanjenje posebnih rezervi za neidentificirane gubitke nakon provedenog izravnog nadzora za iznos od 41.346 tisuće kuna, dopunski kapital se smanjuje i iznosi 560.191 tisuću kuna.
Considering the decrease of the special reserve for unidentified losses after the implement on-site supervision for the amount of 41,346 thousand kuna, additional capital diminished and is 560,191 thousand kuna.
[Fri Jul 18 13:47:26 2003]
Prema zakonskim propisima iznos dopunskog kapitala koji se uključuje u jamstveni kapital ne smije premašiti 100% temeljnog kapitala Banke, te ukupni dopunski kapital Banke koji se uključuje u jamstveni kapital nakon provedenog izravnog nadzora iznosi 344.392 tisuće kuna.
Based on legal provisions the amount of additional capital which includes guarantee capital is not permitted to exceed 100% of base capital of the Bank, and the total additional bank capital which is included in the guarantee capital after the implement on-site supervision is 344,392 thousand kuna.
