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:

[Thu Jul 17 10:00:41 2003]
SADRŽAJ (nastavak)
CONTENTS (the continuation)

[Thu Jul 17 10:03:56 2003]
Analiza Likvidnosti
Liquidity analysis

[Thu Jul 17 10:07:21 2003]
Obvezna rezerva Banke u kunama
Bank legal reserves in kuna

[Thu Jul 17 10:08:33 2003]
Održavanje odnosa izmedu deviznih potraživanja i deviznih obveza
Maintenance of relation between foreign exchange claims and foreign exchange liabilities

[Thu Jul 17 10:09:03 2003]
UPRAVA I ORGANIZACIJA
MANAGEMENT AND ORGANIZATIONS

[Thu Jul 17 10:10:34 2003]
Unutarnja kontrola
Internal control

[Thu Jul 17 10:10:57 2003]
Pranje novca
Money laundering

[Thu Jul 17 10:15:18 2003]
SEKTOR NADZORA I KONTROLE
SUPERVISION AND CONTROL SECTOR

[Thu Jul 17 10:15:18 2003]
Direkcija za izravni nadzor banaka i štedionica
Department for On-Site Supervision of Banks and Savings Banks

[Thu Jul 17 10:17:53 2003]
Na temelju članaka 43.
Based on Articles 43.

[Thu Jul 17 10:18:31 2003]
i 44.
Based on Articles 43 and 44

[Thu Jul 17 10:18:47 2003]
Zakona o Hrvatskoj narodnoj banci (Narodne novine broj 35/95 pročišćeni tekst), članka 67.
Based on Articles 43 and 44 Law on Croatian National Bank (Official Gazette number 35/95 final text), article 67

[Thu Jul 17 10:21:23 2003]
Zakona o bankama (Narodne novine broj:
1 and 2and Article 72 Banking Law (Official Gazettes number

[Thu Jul 17 10:23:00 2003]
godine, obavljena je kontrola dijela poslovanja banke
the inspection of the part of business operations of bank was executed

[Thu Jul 17 10:23:00 2003]
(u daljnjem tekstu Banka)
(in the further text Bank)

[Thu Jul 17 10:26:32 2003]
glavni stručni suradnik
the main professional associate

[Thu Jul 17 10:26:51 2003]
viši stručni suradnik
the higher professional associate

[Thu Jul 17 10:33:45 2003]
Upravljanje likvidnošću
Liquidity management

[Thu Jul 17 10:37:49 2003]
Dospjela nenaplaćena potraživanja iznose 791~819 tisuća kuna.
Overdue receivables payable amount to 791~819 thousand kuna.

[Thu Jul 17 10:38:25 2003]
Banka se u velikoj mjeri oslanja na primljene kredite.
Bank to a large extent relies on received loans.

[Thu Jul 17 10:38:25 2003]
Naime udio primljenih kredita u ukupnim izvorima sredstava je čak 43% (nakon izvršene kontrole).
That is, the share of loans received in total funds sources is as high as 43% (after the completed inspection).

[Thu Jul 17 10:42:19 2003]
Banka je na zahtjev kontrole sa 22.
At the request of the inspection, the Bank on 22.

[Thu Jul 17 10:43:05 2003]
godine izdvojila na račune u inozemstvo 1.650.000,00 EUR-a i 8.900.000,00 USD (u protuvrijednosti 89.322.
years have set aside on accounts abroad 1.650.000,00 Euro and 8.900.000,00 USD (in the equivalent value 89.322.

[Thu Jul 17 10:43:05 2003]
779, 79 kuna ), uključujući još i kamate na izdvojenu obveznu rezervu u iznosu 5.261,67 EUR-a i 44.994,44 USD (u protuvrijednosti 418.896,86 kuna).
779, 79 kuna), including and interest on allocated legal reserves in the amount 5.261,67 Euro and 44.994,44 USD (in the equivalent value 418.896,86 kuna).

[Thu Jul 17 10:45:10 2003]
Izloženost devizne pozicije valutnom riziku
Exposure of the foreign exchange position to the foreign currency risk

[Thu Jul 17 10:48:44 2003]
Izloženost devizne pozicije valutnom riziku iznosila je 15,48% jamstvenog kapitala.
Exposure of the foreign exchange position to the foreign currency risk amounted to 15,48% of the risk-based capital.

[Thu Jul 17 10:48:48 2003]
S obzirom na kontrolom utvrđeni iznos jamstvenog kapitala, izloženost devizne pozicije valutnom riziku iznosi 89,53%, čime se premašuje maksimalno dozvoljenog postotka po odobrenju od 60,5% na dan 31.03.2000.
In respect to the flat rate of risk-based capital determined by inspection, exposure of the foreign exchange position to the foreign currency risk is 89,53%, which exceeds the maximum allowed percentage at the approval of the of 60,5% on 31/03/2000.

[Thu Jul 17 10:51:01 2003]
KVALITETA AKTIVE
BANK ASSET QUALITY

[Thu Jul 17 10:54:10 2003]
Postupak ocjene kvalitete kreditnog portfelja i kontrola raspoređivanja rizične aktive i izvanbilančnih stavki izvršeni su na uzorku komitenata.
Procedure of evaluating the quality of credit portfolios and the inspection of assigning risk assets and off-balance items were performed on the sample of the account holders.

[Thu Jul 17 10:54:13 2003]
Ukupna izloženost Banke kreditnom riziku sa stanjem na dan 31.
Total exposure of the Bank to credit risk with the balance on 31.

[Thu Jul 17 10:55:44 2003]
godine iznosi 2.950.999 tisuća kuna.
Total exposure of the Bank to credit risk with the balance on March 31, 2000 is 2,950,999 thousand kuna.

[Thu Jul 17 10:55:44 2003]
Uzorkom je obuhvaćeno 55 komitenata s ukupnom izloženošću kreditnom riziku u iznosu od 1.193.862 tisuća kuna, što predstavlja 40,45% ukupne kreditne izloženosti.
The sample included 55 account holders with the total exposure to credit risk in the amount of 1,193,862 thousand kuna, which represents 40,45% of the total credit exposures.

[Thu Jul 17 10:58:26 2003]
Odabir komitenata u uzorak kreditnog portfelja izvršen je na temelju kriterija ukupne zaduženosti pojedinog komitenta, rizične skupine u koju je Banka rasporedila potraživanja od komitenta, te urednosti podmirivanja dospjelih obveza prema Banci
Selection of account holders in the sample credit portfolio was carried out on the basis of the criteria of total indebtedness of a particular account holder, the risk group where the Bank assigned claims from the account holders, and the regularity of settling immediate liabilities to the Bank

[Thu Jul 17 11:04:16 2003]
Kontrola ukupne izloženosti Banke kreditnom riziku prema pojedinom komitentu izvršena je uvidom u knjigovodstvenu evidenciju, kreditne spise i drugu dokumentaciju, te u podatke iz obrazaca IKR - Izloženost kreditnom riziku, VIB -Velika izloženost banke, DIB -Izloženost banke prema dioničarima s više od tri posto dionica, POB Izloženost banke prema osobama u posebnom odnosu prema banci i obrasca R - Raspoređivanje plasmana i izvanbilančnih rizičnih stavki, na dan 31.
The control of the total bank exposure to credit risk towards a particular account holder was carried out by the inspection of book-keeping records, credit documents and other documentation, and of data from forms IKR - Exposure to Credit Risk, VIB - Large Bank Exposure, DIB - Bank Exposure towards Stockholders with More than Three Percent of Shares, POB - Bank Exposure towards Persons in a Special Relation to the Bank and the form R - Assignment of Placements and Off-balance Risk Items, on 31.

[Thu Jul 17 11:05:01 2003]
Bonitet komitenata i njihova kreditna zaduženost analizirani su do zadnjeg dana kontrole
Credit rating of the account holders and their credit indebtedness were analysed until the last day of the inspection

[Thu Jul 17 11:07:35 2003]
Pregled komitenata obuhvaćenih uzorkom te potraživanja Banke po plasmanima koji se raspoređuju u rizične skupine, kao i potrebne dodatne posebne rezerve za identificirane gubitke prikazana su u Tablici 2
The list of account holders included in the sample and claims of the Bank in terms of placements which are assigned in risk groups, as well as the required additional special reserves for identified losses are shown in Table 2

[Thu Jul 17 11:15:13 2003]
Uprava je na sjednici dana 18.
Management board her on the meeting of day 18.

[Thu Jul 17 11:15:29 2003]
godine donijela Smjernice o kreditnom poslovanju Banke koje su usvojene od strane Nadzornog Odbora 14.
years bring Directives about the credit transaction Banks which accepted by Supervisory board 14.

[Thu Jul 17 11:17:40 2003]
Smjernicama su utvrđeni postupci i ovlaštenja pri odobravanju plasmana, načini procjene osiguranja plasmana, te mjere kontrole kreditnog portfelja.
These directives define procedures and authorisations in the approval of placements, the ways of evaluating the insurance of placements, and measures of the credit portfolio control.

[Thu Jul 17 11:34:24 2003]
Pregledom uzorka komitenata utvrđeno je da Banka plasmane pojedinim komitentima nije klasificirala u odgovarajuće rizične skupine sukladno Odluci o raspoređivanju plasmana i izvanbilančnih rizičnih stavki i utvrđivanju izloženosti banke ("Narodne novine" broj 32/99), te nije, na teret rashoda, formirala propisane posebne rezerve za potencijalne gubitke sukladno Odluci o visini i načinu formiranja posebnih rezervi za osiguranje od potencijalnih gubitaka banke ("Narodne novine" broj.
The inspection of the sample of account holders established that the Bank did not classify the placements to certain account holders in the appropriate risk groups in accordance with the Decision on the assignment of placement and off-balance risk items and the assessment of the Bank exposure ("Official Gazette" number, 32/99), and did not, to the charge of the expenditure, formed the prescribed special reserves for potential losses in accordance with the Decision on the amount and ways of forming special reserves for the insurance from the potential losses of the Bank ("Official Gazette" number

[Thu Jul 17 11:35:03 2003]
Na ovaj način Banka je postupila protivno članku 51 Zakona o bankama ("Narodne novine" broj 161/98)
In this way the Bank acted contrary to the Article 51 of the Banking Law ("Official Gazette", number 161/98)

[Thu Jul 17 11:40:09 2003]
Sukladno Internom sustavu raspoređivanja plasmana Banke, kontrolom su utvrđene potrebne dodatne posebne rezerve za osiguranje od identificiranih potencijalnih gubitaka u iznosu od 308,424 tisuće kuna, i to:
In accordance with the Internal system of assigning the placements of the Bank, the inspection defined the required additional special reserves for the insurance from the identified potential losses in the amount of 308,424 thousand kuna:

[Thu Jul 17 11:40:26 2003]
- 136,485 tisuća kuna po osnovi kredita i ostalih potraživanja,
- 136,485 thousand kuna per basis of loan and other claims,

[Thu Jul 17 11:40:38 2003]
- 95,235 tisuća kuna po osnovi kamatnih prihoda,
- 95,235 thousand kuna per basis of interest revenues,

[Thu Jul 17 11:40:38 2003]
- 76,704 tisuća kuna po izvanbilančnim potencijalnim obvezama
- 76,704 thousand kuna per off-balance contingent liabilities

[Thu Jul 17 14:18:19 2003]
Kvaliteta aktive
Bank asset quality

[Thu Jul 17 14:18:35 2003]
Adekvatnost kapitala
Capital adequacy

[Thu Jul 17 14:18:38 2003]
Upravljanje likvidnošću
Liquidity management

[Thu Jul 17 14:18:43 2003]
Obvezna rezerva u stranoj valuti
Legal reserves in foreign currency

[Thu Jul 17 14:19:07 2003]
Izloženost devizne pozicije valutnom riziku
Exposure of the foreign exchange position to the foreign currency risk

[Thu Jul 17 14:20:28 2003]
KVALITETA AKTIVE
BANK ASSET QUALITY

[Thu Jul 17 14:21:35 2003]
Programi Vlade RH
Programs of the Government of the Republic of Croatia

[Thu Jul 17 14:22:26 2003]
Izloženost prema dioničaru s više od 3% dionica i povezanim osobama
Exposure towards stockholders with more than 3% of the shares and related persons

[Thu Jul 17 14:22:34 2003]
Velika izloženost
Large exposure

[Thu Jul 17 14:22:42 2003]
Izloženost banke prema jednoj osobi
Bank exposure towards one person

[Thu Jul 17 14:22:48 2003]
Vlasnički vrijednosni papiri
Equity securities

[Thu Jul 17 14:22:49 2003]
Materijalna imovina
Tangible assets

[Thu Jul 17 14:25:28 2003]
Troškovi rezerviranja za gubitke
Costs of Reserving for Losses

[Thu Jul 17 14:25:49 2003]
Opći troškovi poslovanja i amortizacija
Overhead costs of business operations and the amortization

[Thu Jul 17 14:26:02 2003]
Ostali troškovi -intelektualne usluge
Other costs - intellectual services

[Thu Jul 17 14:26:06 2003]
Kamatni i nekamatni troškovi
Interest and non-interest costs

[Thu Jul 17 14:26:45 2003]
Planiranje prihoda i rashoda Banke
Planning of revenues and expenditures of the Bank

[Thu Jul 17 14:28:35 2003]
Koeficijent adekvatnosti kapitala
Capital adequacy ratio

[Thu Jul 17 14:34:00 2003]
Primljeni depoziti
Deposits received

[Thu Jul 17 14:34:52 2003]
Analiza Likvidnosti
Liquidity analysis

[Thu Jul 17 14:37:01 2003]
Obvezna rezerva kunska
Legal Reserves in kuna

[Thu Jul 17 14:37:16 2003]
Obvezna rezerva u stranoj valuti
Legal Reserves in Foreign Currency

[Thu Jul 17 14:38:44 2003]
Održavanje odnosa između deviznih potraživanja i deviznih obveza 53
Maintenance of Relations between Foreign Exchange Claims and Foreign Exchange Liabilities 53

[Thu Jul 17 14:39:29 2003]
Izloženost devizne pozicije Banke valutnom riziku 54
Exposure of the Foreign Exchange Position of the Bank to Foreign Currency Risk 54

[Thu Jul 17 14:40:44 2003]
Polaganje depozita na inozemne financijske kredite, i dana jamstva 55
Placing Deposits on Foreign Financial Loans, and Given Guarantees 55

[Thu Jul 17 14:40:53 2003]
Inozemni financijski krediti
Foreign Financial Loans

[Thu Jul 17 15:03:46 2003]
Budući je provedba mjera konsolidacije i restrukturiranja u tijeku i s obzirom na to da će mogući pozitivni učinci biti vidljivi kroz duže vremensko razdoblje, Banka nije dužna izvršiti reklasifikacije potraživanja od komitenata obuhvaćenih programima Vlade RH na dan 31.12.2000.
Since the implementation of consolidation and restructuring measures is in progress and considering that the possible positive effects shall be noticeable through a longer period of time, the Bank is not obliged to execute reclassification claims from the account holders included in the programs of the Government of the Republic of Croatia on 31/12/2000.

[Thu Jul 17 15:05:26 2003]
Međutim, obzirom na trenutno loše financijsko stanje tih komitenata Banka je dužna kontinuirano procjenjivati kreditni rizik i postupno izdvajati adekvatne rezerve za osiguranje od identificiranih potencijalnih gubitaka.
However, considering the current bad financial position of those account holders the Bank is obliged to continuously estimate the credit risk and to gradually set aside adequate reserves for the insurance from the identified potential losses.

[Thu Jul 17 15:05:27 2003]
Banka je dužna najkasnije do 30.
Bank her obliged at the latest to 30.

[Thu Jul 17 15:07:16 2003]
godine klasificirati potraživanja od komitenata obuhvaćenih programima Vlade RH sukladno Odluci o raspoređivanju plasmana i izvanbilančnih rizičnih stavki i utvrđivanju izloženosti banke
The Bank is obliged to not later than June 30, 2002 classify claims from the account holders included in the programs of the Government of the Republic of Croatia in accordance with the Decision on the assigning of placements and off-balance risk items and the assessment of Bank exposure

[Thu Jul 17 15:11:32 2003]
Osim navedenog, sukladno Internom sustavu raspoređivanja plasmana Banke, kontrolom su utvrđene potrebne dodatne posebne rezerve za osiguranje od identificiranih potencijalnih gubitaka u iznosu od 31,196 tisuća kuna, dok prihodi od ukinutih rezerviranja po osnovi isključenih kamatnih prihoda iznose 4,427 tisuća kuna .
Apart from the above mentioned, in accordance with the Internal system of assigning Bank placements, the inspection determined the required additional special reserves for the insurance from the identified potential losses in the amount of 31,196 thousand kuna, while the revenues from the canceled reservings per basis of excluded interest revenues are 4,427 thousand kuna.

[Thu Jul 17 15:11:32 2003]
Banka je dužna izdvojiti dodatne posebne rezerve za identificirane gubitke sa stanjem na 30/06/2001
The Bank is obliged to set aside additional special reserves for the identified losses with the balance on 30/06/2001

[Thu Jul 17 15:14:33 2003]
Ukupan iznos velikih izloženosti Banke čini 498.28% jamstvenog kapitala utvrđenog od strane Banke.
Total amount of large exposures of the Bank amounts to 498.28 % of the risk-based capital established by the Bank.

[Thu Jul 17 15:14:33 2003]
Ovime je Banka postupila protivno zakonskim odredbama kojima je definirano da ukupan iznos svih velikih izloženosti banke ne smije premašiti 400% jamstvenog kapitala
By this the Bank acted contrary to legislations which define that total amount of all large bank exposures must not exceed 400% of the risk-based capital

[Thu Jul 17 15:15:23 2003]
Ulaganja u materijalnu imovinu i vlasničke uloge
Investments in tangible assets and owner's shares

[Thu Jul 17 15:19:16 2003]
Ulaganja u materijalnu imovinu na dan 31 prosinca 2000 godine iznose 147,663 tisuće kuna, te čine 64.31% jamstvenog kapitala utvrđenog od strane Banke.
Investments in tangible assets on December 31, 2000 are 147,663 thousand kuna, and they amount to 64.31% of the risk-based capital established by the Bank.

[Thu Jul 17 15:19:16 2003]
Obzirom da ulaganja u materijalnu imovinu premašuju iznos od 30% jamstvenog kapitala Banke, navedenim omjerom ulaganja Banka je postupila protivno zakonskim odredbama
Since the investments in tangible assets exceed the amount of 30% of the risk-based capital of the Bank, with the mentioned proportion of investments the Bank acted contrary to legislations

[Thu Jul 17 15:24:14 2003]
Ulaganja u materijalnu imovinu zajedno s ulaganjima u vlasničke udjele čine 108.82% jamstvenog kapitala utvrđenog od strane Banke.
Investments in tangible assets together with THE investments in owners' shares amount to 108.82% of the risk-based capital established by the Bank.

[Thu Jul 17 15:24:14 2003]
Ovakvim omjerom ulaganja Banka je postupila protivno propisima, budući ulaganja u materijalnu imovinu i vlasničke udjele premašuju propisani iznos od 70% jamstvenog kapitala
With such proportion of investments the Bank acted contrary to regulations, since the investments in physical assets and owners' shares exceed the prescribed amount of 70% of the risk-based capital

[Thu Jul 17 15:28:45 2003]
Banka je prema privremenom izvješću, sa stanjem na 31/12/2000 godine iskazala gubitak u iznosu od 139,301 tisuća kuna.
Based on the interim reporting, with the balance on 31/12/2000, the Bank indicated the loss in the amount of 139,301 thousand kuna.

[Thu Jul 17 15:28:45 2003]
Temeljem kontrolom utvrđenih dodatnih posebnih rezervi za identificirane gubitke u iznosu od 31,197 tisuća kuna, smanjenja posebnih rezervi za neidentificirane gubitke u iznosu od 652 tisuća kuna, te povećanja naplaćenih isključenih prihoda u iznosu od 4,427 tisuća kuna, gubitak Banke nakon kontrole iznosi 165,418 tisuća kuna
On the basis of the additional special reserves for the identified losses in the amount of 31,197 thousand kuna that were established by the inspection, the decrease of special reserves for unidentified losses in the amount of 652 thousand kuna, and the increase of settled excluded revenues in the amount of 4,427 the thousand kuna, the loss of the Bank after the inspection amounted to 165,418 thousand kuna

[Thu Jul 17 15:30:45 2003]
Jamstveni kapital Banke, prema obrascu JAK - Jamstveni kapital, na dan 31/12/2000.
The risk-based capital of the Bank, according to the form JAK - The risk-based capital, on 31/12/2000

[Thu Jul 17 15:31:46 2003]
godine iznosi 229,629 tisuća kuna, a koeficijent adekvatnosti kapitala iznosi 12.36%.
The risk-based capital of the Bank, according to the form JAK - The risk-based capital, on 31/12/2000 is 229,629 thousand kuna, and the capital adequacy ratio is 12.36 %.

[Thu Jul 17 15:31:46 2003]
Nakon provedene kontrole, utvrđen je jamstveni kapital u iznosu 202,860 tisuća kuna i koeficijent adekvatnosti kapitala od 11.29%
After the inspection, the risk-based capital in the amount of 202,860 thousand kuna was determined as wella as the capital adequacy ratios of 11.29%

[Thu Jul 17 15:34:11 2003]
Banka ima poteškoća s likvidnošću, te kontinuirano posuđuje sredstva na Tržištu novca.
The Bank has problems with liquidity, and it continuously borrow funds from the Money Market.

[Thu Jul 17 15:34:44 2003]
Plasmani Banke nose visok stupanj rizika naplate.
The Bank placements have a high payment risk.

[Thu Jul 17 15:36:43 2003]
Banka se u velikoj mjeri oslanja na primljene kredite, koji imaju relativno visoku kamatnu stopu.
Bank to a large extent relies on loans received, which have relatively high rate of interest.

[Thu Jul 17 15:36:43 2003]
Kod prikaza ročne strukture aktive i pasive javlja se zabrinjavajuća neusklađenost, pogotovo kada oduzmemo dospjela nenaplaćena potraživanja, koja iznose 853,330 tisuća kuna
When presenting the scheduled structure of assets and liabilities, a disturbing discrepancy occurs, especially when when we deduct overdue receivables payable, which are 853,330 thousand kuna

[Thu Jul 17 15:39:31 2003]
U svakom razdoblju ročnosti imamo takvu neusklađenost u kojoj je kumulirana aktiva manja od kumulirane pasive do tog razdoblja ročnosti.
In every period of maturity there is such discrepancy in which cumulated assets are smaller from cumulate liabilities until this period of maturity.

[Thu Jul 17 15:41:47 2003]
Ovakva pozicija ukazuje na usmjeravanje kratkoročnih izvora sredstava u dugoročne plasmane.
Such position indicates directing of short-term funds sources to long-term investments.

[Thu Jul 17 15:41:47 2003]
Kod ročne strukture bilance posebno treba obratiti pažnju na povećanje izvora sredstava s ročnošću do 1 godine, dok se na strani plasmana rade reprogrami značajnih iznosa na rokove od 8 ili 10 godina
With the maturity structure of balance we should particularly pay attention to the increase of funds sources with the maturity to 1 year, while on the side of placements significant amounts are being reprogrammed to the periods of 8 to 10 years

[Thu Jul 17 15:48:26 2003]
Obzirom da je kontrola poslovanja Banke bila tijekom ožujka 2001 godine, analizi i kontrola poslovanja je obavljena prema privremenom izvješću koje je Banka dostavila u Hrvatsku narodnu Banku.
Since the supervision of the Bank was carried out in March 2001, the analysis and inspection of business operations were performed based on the interim reporting which Bank submitted to the Croatian National Bank.

[Thu Jul 17 15:49:38 2003]
Stoga je u prethodnoj tablici prikazana bilanca Banke prema privremenom izvješću prema kojem je Banka iskazala gubitak u iznosu 139,301 tisuću kuna.
Therefore the previous Table shows the balance of the Bank based on the interim reporting according to which the Bank presented the loss in the amount of 139,301 thousand kuna.

[Thu Jul 17 15:50:14 2003]
Banka je nakon datuma bilance i nakon završetka kontrole poslovanja od strane Hrvatske narodne banke, izvršila ponovno vrednovanje dijela udjela i kreditnog portfelja.
After the date of balance and after the end of inspection of business operations by the Croatian National Bank, the Bank execute revaluation of the part of the share and credit portfolio.

[Thu Jul 17 15:51:20 2003]
Navedene poslovne promjene su provedene sa stanjem na dan 31/12/2000.
The stated business changes were carried out with the balance as at 31/12/2000.

[Thu Jul 17 15:51:20 2003]
Stoga se konačno revidirano izvješće Banke razlikuje od privremenog izvješća prema kojem je obavljena kontrola poslovanja Banke
Therefore the final revised report of the Bank differs from the interim report on the basis of which the bank supervision was carried out

[Thu Jul 17 15:55:53 2003]
Prema konačnom revidiranom izvješću gubitak Banke sa stanjem na 31/12/2000 godine iznosi 113,908 tisuća kuna (prije poreznog učinka), odnosno 101,841 tisuću kuna (nakon poreznog učinka).
According to the final revised report the loss of the Bank with the balance on 31/12/2000 amounted to 113,908 thousand kuna (before the tax effect), that is 101,841 thousand kuna (after the tax effect).

[Thu Jul 17 15:56:02 2003]
Banka je 16 svibnja 2001 godine u Hrvatsku narodnu banku dostavila pregled poslovnih promjena koje su utjecale na smanjenje gubitka s 139,301 tisuću kuna na 113,908 tisuća kuna.
On May 16, 2001 the Bank submitted the list of business changes to the Croatian National Bank. Those changes influenced the decrease of loss from 139,301 thousand kuna to 113,908 thousand kuna.

[Thu Jul 17 15:56:13 2003]
Navedeno je detaljnije objašnjeno u poglavlju Kvaliteta aktive pod 4.1.2.
Mentioned in some detail has been explained in the chapter Bank asset quality under 4.1.2.

[Thu Jul 17 15:56:13 2003]
Programi Vlade Republike Hrvatske
Programs of the Government of the Republic of Croatia

[Thu Jul 17 16:14:38 2003]
Od komitenata obuhvaćenih uzorkom, sukladno programima Vlade RH u proces financijske konsolidacije i restrukturiranja uključeni su
From the account holders included in the sample, in accordance with the programmes of the Government of the Republic of Croatia, the process of financial consolidation and restructuring included

[Thu Jul 17 16:16:13 2003]
Prema Zaključcima Vlade, mjere za financijsku konsolidaciju navedenih komitenata obuhvaćaju pretvaranje potraživanja u vlasničke uloge, otpise i reprograme potraživanja od strane države, financijskih institucija i dobavljača
According to the Government Conclusions, measures for financial consolidation of the account holders mentioned include the transformation of claims into owner's shares, write-offs and reprogramming of claims on the part of the state, financial institutions and suppliers

[Thu Jul 17 16:20:23 2003]
od ukupnog iznosa plasrnana
from the total plasrnana

[Thu Jul 17 16:22:06 2003]
po deviznom kreditu 37/97 neotplaćena glavnica i kamate
per foreign exchange loan 37/97 unpaid capital and interest

[Thu Jul 17 16:24:31 2003]
kredit u cijelosti dospio
loan entirely mature

[Thu Jul 17 16:26:47 2003]
založno pravo na šećeru
security right on sugar

[Thu Jul 17 16:44:12 2003]
preneseni gubitak
loss carried over

[Thu Jul 17 16:55:27 2003]
Obzirom da će učinci provedbe mjera prema programu Vlade RH biti vidljivi .u budućem razdoblju, Banka je dužna najkasnije do 30 Lipnja 2002 godine klasificirati potraživanja od navedenih komitenata sukladno Odluci o raspoređivanju plasmana i izvanbilančnih rizičnih stavki i utvrđivanju izloženosti banke ("Narodne novine" broj 32/99, 101/2000).
Since the effects of the implementation of measures according to the programme of the Government of the Republic of Croatia shall be noticeable in a future period, the Bank is obliged to not later than June 30, 2002 classify the claims from the account holders mentioned in accordance with the Decision on the assigning placements and off-balance risk items and the assessment of bank exposure ("Official Gazette" number 32/99, 101/2000).

[Fri Jul 18 09:20:17 2003]
Naime, nakon provedbe mjera od strane države, vjerovnika i financijskih institucija, bilance navedenih komitenata trebale bi se bitno poboljšati na način da će se smanjiti kratkoročne obveze, povećati kapital društava, te smanjiti njihovi financijski rashodi.
That is, after the implementations of measures on the part of the state, creditors and financial institutions, balances of mentioned account holders should improve significantly in a way that current liabilities shall be reduced, capital of companies shall increase, and financial expenditures shall be reduced.

[Fri Jul 18 09:21:53 2003]
Banka će, sukladno Zaključcima Vlade RH, izvršiti reprograme obveza navedenih komitenata na rok od 8 ili 10 godina (uključujući 2 ili 3 godine počeka) i uz kamatnu stopu od 8% godišnje.
The Bank shall, in accordance with the Conclusions of the Government of the Republic of Croatia, reprogram the commitments of the account holders mentioned in the period of 8 or 10 years (including 2 or 3 years of grace period) and with the rate of interest of 8% yearly.

[Fri Jul 18 09:22:57 2003]
Međutim, ostaje upitno da li će navedena društva bez obzira na smanjenje financijskih rashoda (uslijed smanjenja obveza) ostvarivati pozitivan rezultat ili biti u mogućnosti vraćati obveze Banci.
However, it remains questionable whether the mentioned companies regardless of the decrease of financial expenditures (as a result of the decrease of commitments) shall achieve a positive result or be able to pay their obligations to the Bank.

[Fri Jul 18 09:22:57 2003]
Naime, većina društava IPK grupe posluju u 2000 godini s gubitkom iz redovnog poslovanja.
That is, the majority of companies from the IPK group in the 2000 operate with a loss from regular business operations.

[Fri Jul 18 09:28:48 2003]
Nakon provedbe mjera financijske konsolidacije IPK grupe, dio društava u sustavu IPK će se ugasiti ili alternativno, proći preustroj u stečaju, dio će se privatizirati ( odmah), dok će se ostatak privatizirati u roku 6-12 mjeseci.
After the implementation of measures of financial consolidation of the IPK group, part of the companies within the IPK shall die down or alternatively, go through the restructuring through bankruptcy, a part shall be privatized (immediately), while the rest shall be privatized within 6-12 months.

[Fri Jul 18 09:29:33 2003]
Banka je nakon datuma bilance i nakon izvršene kontrole poslovanja od strane Hrvatske narodne banke izvršila ponovno vrednovanje potraživanja prvenstveno kod društava obuhvaćenih programima Vlade RH.
After the balance date and after the inspection of business operations completed on the part of the Croatian National Bank, the Bank carried out the revaluation of claims primarily with companies included in the programmes of the Government of the Republic of Croatia.

[Fri Jul 18 09:29:42 2003]
Banka je većinu komitenata ..
Most account holders from the ... , such as

[Fri Jul 18 09:31:41 2003]
klasificirala u rizičnu skupinu B, te je na taj način smanjila/povećala potrebnu posebnu rezervu za identificirane gubitke i prihodovala isključene prihode po četiri komitenta koji su drugom privremenom izvješću bili klasificirani u rizičnu skupinu C.
were classified in the risk group B, and in this way the Bank reduced/increased the required special reserve for the identified losses and earned excluded revenues after four account holders which were in the second interim report classified in the risk group C.

[Fri Jul 18 09:35:19 2003]
Banka je navedenu promjenu klasifikacije komitenata knjižila sa stanjem na 31/12/2000 godine.
The Bank recorded that change in the classification of account holders with the balance on 31/12/2000.

[Fri Jul 18 09:36:28 2003]
Navedene poslovne promjene su rezultirale ukidanjem posebnih rezervi za osiguranje od potencijalnih identificiranih gubitaka u iznosu 48,999 tisuća kuna.
The stated business changes resulted in the cancellation of special reserves for the insurance from potential identified losses in the amount of 48,999 thousand kuna.

[Fri Jul 18 09:37:44 2003]
Ujedno je Banka izvršila dodatne ispravke po udjelima u iznosu 23,605 tisuća kuna ( detaljnije objašnjeno pod Vlasnički vrijednosni papiri).
The Bank also performed additional corrections per shares in the amount of 23,605 thousand kuna (this is explained in more detail under Equity Securities).

[Fri Jul 18 09:37:44 2003]
Iz navedenog je razvidno da je Banka po neto principu izvršila ukidanje rezervacija u iznosu 25,394 tisuća kuna.
From everything mentioned it is obvious that the Bank per net principle carried out the cancellation of reservations in the amount of 25,394 thousand kuna.

[Fri Jul 18 09:45:36 2003]
Pregledom uzorka komitenata utvrđeno je da Banka plasmane pojedinim komitentima nije klasificirala u odgovarajuće rizične skupine sukladno Odluci o raspoređivanju plasmana i izvanbilančnih rizičnih stavki i utvrđivanju izloženosti banke ("Narodne novine" broj 32/99), te nije, na teret rashoda, formirala propisane posebne rezerve za potencijalne gubitke sukladno Odluci o visini i načinu formiranja posebnih rezervi za osiguranje od potencijalnih gubitaka banke ("Narodne novine" broj 32/99).
Inspection of the sample of account holders determined that the Bank did not classify placements to some account holders in appropriate risk groups in accordance with the Decision on the assigning of placements and off-balance risk items and the assessment of bank exposure ("Official Gazette" Number 32/99), and it did not, to the charge of the expenditure, form the prescribed special reserves for potential losses in accordance with the Decision on the amount and way of forming special reserves for the insurance from potential losses of the bank ("Official Gazette" Number 32/99).

[Fri Jul 18 09:46:40 2003]
Na ovaj način Banka je postupila protivno članku 51 Zakona o bankama ("Narodne novine" broj 161/98).
In this way the Bank acted contrary to the Article 51 of the Banking Law ("Official Gazette" Number 161/98).

[Fri Jul 18 09:50:52 2003]
Sukladno Internom sustavu raspoređivanja plasmana Banke, kontrolom su utvrđene potrebne dodatne posebne rezerve za osiguranje od identificiranih potencijalnih gubitaka u iznosu od 31,196 tisuća kuna, dok prihodi od ukinutih rezerviranja po osnovi isključenih kamatnih prihoda iznose 4,427 tisuća kuna (za komitenta Krrnpotić i Ivičić
In accordance with the Internal system of classifying placements of the Bank, the inspection established the required additional special reserves for the insurance from identified potential losses in the amount of 31,196 thousand kuna, while the revenues from cancelled reserves per basis of excluded interest revenues are 4,427 thousand kuna (for the account holder Krrnpotić and Ivičić

[Fri Jul 18 09:52:24 2003]
Struktura dodatnih posebnih rezervi za osiguranje od identificiranih potencijalnih gubitaka u iznosu od 31,196 tisuća kuna je sljedeća:
The structure of the additional special reserves for the insurance from identified potential losses in the amount of 31.196 thousand kuna is the following:

[Fri Jul 18 10:03:27 2003]
Prema odredbama članka 43 stavak 3 i 4 Zakona o bankama, izloženost banke prema pojedinom dioničaru banke koji raspolaže s više od 3% dionica banke i s njime povezanim osobama ne smije prelaziti 5% jamstvenog kapitala, dok ukupna izloženost banke prema dioničarima banke koji imaju dionice čiji ukupni nominalni iznos čini više od 5% temeljnog kapitala banke i s njima povezanim osobama ne smije premašiti 25% jamstvenog kapitala.
Under the provisions of the Article 43, paragraphs 3 and 4 of the Banking Law, the exposure of the bank towards a certain bank stockholder who owns more than 3 % of the bank stocks and with the persons related must not exceed 5% of the risk-based capital, while the total bank exposure towards bank stockholders with shares whose total face amount makes more than 5% of the bank stock capital and with the persons related should not exceed 25% of the risk-based capital.

[Fri Jul 18 10:05:34 2003]
Dioničari koji raspolažu s više od 3% dionica Banke su EBRD {26.98%), prema kojemu Banka na dan 31 prosinca 2000 nema izloženosti, i Hypo Alpe-Adria-Bank AG Klagenfurt {45.14%).
Stockholders who own more than 3% of the Bank stocks are EBRD {26.98%), towards which the Bank has no exposure on December 31, 2000, and Hypo Alpe-Adria-Bank AG Klagenfurt {45.14%).

[Fri Jul 18 10:05:34 2003]
Izloženost Banke prema dioničaru Hypo Alpe-Adria-Bank AG Klagenfurt i s njime povezanim osobama na dan 31 prosinca 2000 godine iznosi 4.29% jamstvenog kapitala utvrđenog od strane Banke, što je u okviru zakonom propisanog postotka izloženosti
The exposure of the Bank to the stockholder Hypo Alpe-Adria-Bank AG Klagenfurt and with the persons related December 31, 2000 is 4.29 % of the risk-based capital established by the Bank, which is within the percentage of exposure prescribed by the Law

[Fri Jul 18 10:09:19 2003]
Prema članku 44 stavak 1 Zakona o bankama velika izloženost banke je izloženost banke prema jednoj osobi (u smislu članka 41) koja premašuje 10% jamstvenog kapitala.
According to the Article 44, paragraph 1 of the Banking Law, large bank exposure is the exposure of the bank towards one person (in the meaning of the Article 41) which exceeds 10% of the risk-based capital.

[Fri Jul 18 10:09:19 2003]
U Tablici 5 dan je pregled velikih izloženosti Banke na dan 31 prosinca 2000 godine, u odnosu na jamstveni kapital utvrđen od strane Banke
Table 5 shows a list of large bank exposures on December 31, 2000, in relation to the risk-based capital established by the Bank

[Fri Jul 18 10:11:28 2003]
Odbitne stavke
Deductible items

[Fri Jul 18 10:21:49 2003]
Provedbom navedene kupoprodajne transakcije ulaganja Banke u vlasničke vrijednosne papire smanjena su za 80.590 tisuća kuna, te na dan 31 prosinca 2000 godine iznose 1 02.209 tisuća kuna.
By the mentioned purchase and sale transaction, the investments in the Bank equity securities have been reduced by 80.590 thousand kuna, and December 31, 2000 they are 102.209 thousand kuna.

[Fri Jul 18 10:21:49 2003]
Ulaganja u vlasničke uloge na dan 31 prosinca 2000 godine iznose 44.51 % jamstvenog kapitala utvrđenog od strane Banke
Investments in owner's shares on December 31, 2000 are 44.51% of the risk-based capital established by the Bank

[Fri Jul 18 10:26:28 2003]
Banka je nakon datuma bilance i nakon završetka kontrole poslovanja od strane Hrvatske narodne banke izvršila dodatne ispravke na vlasničkim vrijednosnim papirima, i to kod ... u iznosu 21,730 tisuća kuna i kod IPK Ratarstvo-stočarstvo u iznosu 1,875 tisuća kuna.
After the balance date and after the end of inspection executed by the Croatian National Bank, the Bank did additional corrections on equity securities, and with ... in the amount of 21,730 thousand kuna and IPK Ratarstvo-stočarstvo (Farming-stockfarming) in the amount of 1,875 thousand kuna.

[Fri Jul 18 10:27:49 2003]
Nakon navedenih promjena koje su proknjižene sa stanjem na 31/12/2000.
After those changes which are entered with the balance at 31/12/2000

[Fri Jul 18 10:27:49 2003]
godine neto knjigovodstvena vrijednost udjela Banke kod IPK dd iznosi 19,.226 tisuća kuna, a IPK Ratarstva-stočarstva 0
After those changes which are entered with the balance at 31/12/2000 the net carrying value of the Bank share in ... is 19,226 the thousand kuna, and in IPK Ratarstvo-stočarstvo 0

[Fri Jul 18 10:31:53 2003]
Ulaganja u materijalnu imovinu na dan 31 prosinca 2000 godine iznose 147,663 tisuće kuna, te čine 64.31 % jamstvenog kapitala utvrđenog od strane Banke.
Investments in tangible assets on December 31, 2000 amount to 147,663 thousand kuna, and make 64.31% of the risk-based capital established by the Bank.

[Fri Jul 18 10:31:53 2003]
Obzirom da ulaganja u materijalnu imovinu premašuju iznos od 30% jamstvenog kapitala Banke, navedenim omjerom ulaganja Banka je postupila protivno odredbama točke III Odluke o ograničenju ulaganja banke u materijalnu imovinu i vlasničke uloge
Since the investments in tangible assets exceed the amount of 30% of the risk-based bank capital, with that proportion of the investments the Bank acted contrary to provisions of the item III of the Decision on the limitation of bank investment in tangible assets and owner's shares

[Fri Jul 18 10:35:04 2003]
Ulaganja u materijalnu imovinu zajedno s ulaganjima u vlasničke udjele čine 108.82% jamstvenog kapitala utvrđenog od strane Banke.
Investments in tangible assets together with the investments in owners' shares make 108.82% of the risk-based capital established by the Bank.

[Fri Jul 18 10:35:42 2003]
Ovakvim omjerom ulaganja Banka je postupila protivno odredbama točke II navedene Odluke, budući ulaganja u materijalnu imovinu i vlasničke udjele premašuju propisani iznos od 70% jamstvenog kapitala.
With such proportion of investments the Bank acted contrary to provisions of the item 2 of the above mentioned Decision, since the investments in tangible assets and owners' shares exceed the prescribed amount of 70% of the risk-based capital.

[Fri Jul 18 10:35:42 2003]
Odgovorna osoba za kršenje navedenih zakonskih odredbi je predsjednik Uprave, g Ivan Mihaljević
The person responsible for the violation of those legislations is the president of the Management Board, mr Ivan Mihaljević

[Fri Jul 18 10:40:39 2003]
U strukturi ulaganja u materijalnu imovinu značajan udio predstavlja materijalna imovina preuzeta u zamjenu za nenaplaćena potraživanja u iznosu od 54,367 tisuća kuna, odnosno 36,750 materijalne imovine.
In the structure of the investments in tangible assets a significant share is represented by tangible assets taken over in return for the overdue receivables in the amount of 54,367 thousand kuna, that is 36,75% of tangible assets.

[Fri Jul 18 10:42:20 2003]
Banka je tijekom 2000 godine poduzimala određene aktivnosti za prodaju preuzete imovine što je rezultiralo prodajom dijela pokretnina i nekretnina stečenih u zamjenu za nenaplaćena potraživanja, po njihovoj knjigovodstvenoj vrijednosti, u ukupnom iznosu od 5,944 tisuća kuna.
Throughout the year 2000, the Bank undertook certain activities to sell the foreclosed and repossessed assets which resulted in the sale of a part of movable and immovable property acquired in return for overdue receivables, per their carrying value, in the total amount of 5,944 thousand kuna.

[Fri Jul 18 10:42:20 2003]
No, glavninu preuzete materijalne imovine Banka nije u mogućnosti prodati uz postizanje odgovarajuće cijene, te odgovarajuće uvjete prodaje
But, the Bank cannot sell the major part of the foreclosed and repossessed tangible with achieving the appropriate price, and the appropriate conditions of sale

[Fri Jul 18 10:45:28 2003]
Procjenu vrijednosti materijalne imovine stečene u zamjenu za nenaplaćena potraživanja vrši
Evaluation of tangible assets acquired in return for overdue receivables is carried out by

[Fri Jul 18 10:47:55 2003]
Temeljem navedenih procjena, te sukladno Odluci Uprave Banke od 22 prosinca 2000 godine izvršeni su dodatni ispravci vrijednosti preuzete materijalne imovine u ukupnom iznosu od 12,039 tisuća kuna
On the basis of mentioned evaluations, and in accordance with the Decision of the Bank Management Board from December 22, 2000, additional value adjustments of the repossesed tangible assets were carried out, in the total amount of 12,039 thousand kuna

[Fri Jul 18 11:02:59 2003]
Direkcija za izravni nadzor banaka i štedionica
On-Site Supervision Department of Banks and Savings Banks

[Fri Jul 18 11:04:39 2003]
Direkcija za izravni nadzor banaka i štedionica
On-Site Supervision Department of Banks and Savings Banks

[Fri Jul 18 11:11:00 2003]
Odgovor na Primjedbe na Zapisnik o obavljenoj kontroli dijela
Reply to the Objections to the Transcript about the completed inspection of a part

[Fri Jul 18 11:12:54 2003]
Sukladno članku 74 stavak 1 Zakona o bankama,
In accordance with the Article 74 paragraph 1 of the Banking Law,

[Fri Jul 18 11:14:00 2003]
obavljenoj kontroli dijela poslovanja Banke
the completed inspection of a part business operations of the Bank

[Fri Jul 18 11:20:29 2003]
Primjedba vezana za komitenta Keramička industrija Orahovica KIO, i građane Darko Krmpotić
The objection related to the account holder Ceramic Industry Orahovica - KIO, and the citizens Darko Krmpotić

[Fri Jul 18 11:21:54 2003]
i Bozo Ivicić u kojoj Banka navodi da je mišljenja da
and Božo Ivicić in which the Bank states that it believes that

[Fri Jul 18 11:22:15 2003]
treba zadržati oznaku rizičnosti B 10 za tvrtku ...
that the risk grades B 10 for the company ...

[Fri Jul 18 11:23:24 2003]
Orahovica, kao i zadržati
Orahovica should be kept, as well as

[Fri Jul 18 11:23:24 2003]
postojeće bonitetno razvrstavanje kod kredita odobrenog privatnim osobama
the existing credit standing classification with the loan approved to private persons

[Fri Jul 18 11:27:59 2003]
Navedenu primjedbu nismo u mogućnosti prihvatiti iz razloga koji su navedeni u
We were not able to accept that objection because of the reasons stated in

[Fri Jul 18 11:28:03 2003]
samom Zapisniku, kao i zbog toga sto su povezane osobe prema Banci raspoređene u
the Transcript itself, and because the persons related to the Bank are classified in

[Fri Jul 18 11:28:24 2003]
različite rizične skupine (B i C).
different risk groups (B and C).

[Fri Jul 18 11:28:40 2003]
Plasmani povezanim osobama moraju biti, sukladno
Placements to the related persons must be, in accordance with

[Fri Jul 18 11:29:33 2003]
Odluci o raspoređivanju plasmana i izvanbilančnih rizičnih stavki i utvrđivanju
Decision on the classification of placements and off-balance risk items and the assessment

[Fri Jul 18 11:29:49 2003]
izloženosti banke ("Narodne novine" broj 32/99, broj 64/99 i broj 101/00),
bank exposure ("Official Gazette" number 32/99, number 64/99 and number 101/00),

[Fri Jul 18 11:30:17 2003]
raspoređeni u istu rizičnu skupinu.
classified in the same risk group.

[Fri Jul 18 11:31:30 2003]
Zbog navedenog smo komitente rasporedili u
Because of that we classified the account holders in

[Fri Jul 18 11:31:45 2003]
rizičnu skupinu B s pripadajućim stupnjem rezerviranja s obzirom na rizičnost
the risk group B with the pertaining degree of reserving in respect to the risk grade

[Fri Jul 18 11:31:45 2003]
plasmana i financijsko stanje dužnika
of placements and the financial position of debtors

[Fri Jul 18 11:34:08 2003]
Primjedba vezana za komitenta ...
The objection related to the account holders ...

[Fri Jul 18 11:35:25 2003]
Banka navodi da je razvrstavanje u bonitetnu grupu B 10 za navedene komitente
the Bank claims that classification in the credit standing group B 10 for those account holders

[Fri Jul 18 11:35:25 2003]
opravdano i za sada dostatno
is justified and for now adequate

[Fri Jul 18 11:38:57 2003]
Zbog činjenica navedenih u Zapisniku nismo u mogućnosti prihvatiti primjedbu.
We cannot accept that objection because of the facts mentioned in the Transcript.

[Fri Jul 18 11:39:24 2003]
Samo reprogramiranje obveza, te zatvaranje dospjelih obveza putem reprograma ne
The reprogramming of the commitments alone, and closing of immediate liabilities through reprogramming

[Fri Jul 18 11:40:21 2003]
znaci poboljšanje kvalitete dužnika.
does not stand for the improvement of the quality of debtors.

[Fri Jul 18 11:40:44 2003]
Mišljenja smo da komitente treba rasporediti u
We believe that the account holders should be classified in

[Fri Jul 18 11:41:11 2003]
rizične skupine kako je navedeno Zapisnikom.
risk groups as stated in the Transcript.

[Fri Jul 18 11:42:06 2003]
Ukoliko komitent bude u narednom
If in the future period the account holder

[Fri Jul 18 11:42:55 2003]
razdoblju uredno izvršavao svoje obveze, te ukoliko smanji svoju zaduženost u Banci
should regularly fulfill his obligations, and if his indebtedness in the Bank is reduced

[Fri Jul 18 11:42:55 2003]
postoji mogućnost da ga Banka rasporedi u nižu rizičnu skupinu
there is a chance that Bank may classify him in the lower risk group

[Fri Jul 18 11:45:34 2003]
Primjedba vezana za komitenta ...
Objection related to the account holder ...

[Fri Jul 18 11:45:49 2003]
u kojoj Banka navodi da nije
in which the Bank claims that is not

[Fri Jul 18 11:45:49 2003]
potrebno angažirati dodatna sredstva za rezervacije
required will engage in additional funds for reservation

[Fri Jul 18 11:47:35 2003]
Zbog činjenica navedenih u Zapisniku trenutno nismo u mogućnosti prihvatiti
Because of the facts presented in the Transcript, we cannot accept

[Fri Jul 18 11:50:29 2003]
Ukoliko komitent bude u narednim razdobljima uredno izvršavao svoje
If in the future the account holder should regularly fulfill his

[Fri Jul 18 11:50:55 2003]
obveze, mišljenja smo da ga Banka, sukladno Odluci o raspoređivanju plasmana i
obligations, we believe that the Bank, in accordance with the Decision on the classification of placements and

[Fri Jul 18 11:50:55 2003]
izvanbilančnih rizicnih stavki, može rasporediti u nizu rizičnu skupinu
off-balance risk items, can classify him in a lower risk group

[Fri Jul 18 11:52:33 2003]
Primjedba vezana za komitenta ...
Objection related to the account holder ...

[Fri Jul 18 11:53:06 2003]
u kojoj Banka navodi da navedenog
in which the Bank claims that this

[Fri Jul 18 11:53:06 2003]
komitenta treba zadržati u bonitetnoj grupi A
account holder should stay in the credit standing group A

[Fri Jul 18 11:55:46 2003]
Zbog činjenica navedenih u Zapisniku trenutno nismo ti mogućnosti prihvatiti
Because of the facts stated in Transcript, we cannot accept that

[Fri Jul 18 11:56:49 2003]
Samo reprogramiranje obveza, te zatvaranje dospjelih obveza putem
The reprogramming of obligations only, and the closing of immediate liabilities through

[Fri Jul 18 11:56:49 2003]
reprogramiranja ne znači poboljšanje kvalitete dužnika
reprogramming does not mean the improvement of the debtor's quality

[Fri Jul 18 11:59:58 2003]
Primjedba vezana za komitenta ... u kojoj Banka navodi da je rizična
The objection related to the account holder ... in which the Bank claims that the risk

[Fri Jul 18 11:59:58 2003]
skupina B 10 dostatna, jer ne postoji veći rizik od postojeće rezervacije
group B 10 is adequate, because there is significant risk from the existing reservation

[Fri Jul 18 12:04:03 2003]
Ukoliko komitent bude u narednim razdobljima uredno izvršavao svoje
If the account holder in the future periods regularly fullfils his

[Fri Jul 18 12:04:37 2003]
obveze, te ukoliko budu vidljivi efekti prodaje stanova i lokala, mišljenja smo da ga
obligations, and if the effects of selling flats and premises are noticeable, we believe that

[Fri Jul 18 12:04:51 2003]
Banka, sukladno Odluci o raspoređivanju plasmana i izvanbilančnih rizičnih stavki,
the Bank, in accordance with the Decision on the classification of placements and off-balance risk items,

[Fri Jul 18 12:04:51 2003]
može rasporediti u nižu rizičnu skupinu
can classify him in a lower risk group

[Mon Jul 21 11:25:22 2003]
Trgovački portfelj vrijednosnih papira
Commercial portfolio of securities

[Mon Jul 21 11:25:29 2003]
Krediti financijskim institucijama
Loans to financial institutions

[Mon Jul 21 11:25:36 2003]
Krediti ostalim komitentima
Loans to other account holders

[Mon Jul 21 11:25:49 2003]
Investicijski portfelj vrijednosnih papira
Investment portfolio of securities

[Mon Jul 21 11:25:51 2003]
Ulaganja u podružnice i povezana trgovačka društva
Investments in affiliates and related companies

[Mon Jul 21 11:26:22 2003]
Materijalna imovina i software (minus amortizacija)
Tangible assets and software (minus amortisation)

[Mon Jul 21 11:26:23 2003]
Kamate, naknade i ostala imovina
Interest, expenses and other assets

[Mon Jul 21 11:26:27 2003]
Posebne rezerve za neidentificirane gubitke
Special reserves for unidentified losses

[Mon Jul 21 11:28:33 2003]
Krediti od financijskih institucija
Loans from financial institutions

[Mon Jul 21 11:28:40 2003]
Depoziti žiro i tekućih računa
Deposits of giros and checking accounts

[Mon Jul 21 11:29:19 2003]
Kamate, naknade i ostale obveze
Interest, expenses and other commitments

[Mon Jul 21 11:30:21 2003]
Dionički kapital
Share capital

[Mon Jul 21 11:30:25 2003]
Dobit ili gubitak tekuće godine
Profit or loss in the current year

[Mon Jul 21 11:30:26 2003]
Zadržana dobit (gubitak)
Retained profit (loss)

[Mon Jul 21 11:39:49 2003]
Nominalna vrijednost dionice
Nominal value of the share

[Mon Jul 21 11:39:49 2003]
Ukupni nominalni iznos
Total face amount

[Mon Jul 21 11:45:23 2003]
Vrijednost dionica u kunama
Value of shares in kuna

[Mon Jul 21 11:54:23 2003]
Sastavni dijelovi kapitala
Components of capitals

[Mon Jul 21 11:56:32 2003]
Uplaćene obične dionice
Paid in ordinary shares

[Mon Jul 21 11:56:46 2003]
Uplaćene povlaštene dionice
Paid in preference shares

[Mon Jul 21 11:56:48 2003]
Rezerve formirane na teret dobiti nakon oporezivanja
Reserves formed to the charge of profit after taxation

[Mon Jul 21 11:57:08 2003]
Kapitalna dobit (gubitak)
Capital profit (loss)

[Mon Jul 21 11:57:19 2003]
Rezerve formirane za otkup vlastitih dionica
Reserves formed for the buyoff of treasury stocks

[Mon Jul 21 11:57:19 2003]
Bruto temeljni kapital
Gross base capital

[Mon Jul 21 11:58:23 2003]
Gubici proteklih godina
Losses in previous years

[Mon Jul 21 11:58:32 2003]
Gubitak tekuće godine
Loss in the current year

[Mon Jul 21 11:59:45 2003]
Otkupljene vlastite obične i povlaštene dionice
Bought out own ordinary and preference shares

[Mon Jul 21 11:59:56 2003]
Potraživanje i potencijalne obveze osigurane vlastitim običnim i povlaštenim dionicama
Claim and contingent liabilities insured by own ordinary and preference shares

[Mon Jul 21 12:00:03 2003]
Kredit kojim su kupljene dionice
Loan used to buy shares

[Mon Jul 21 12:00:17 2003]
Ukupni odbici od temeljnog kapitala
Total deductions from the base capital

[Mon Jul 21 12:00:17 2003]
I Temeljni kapital (temeljni kapital minus odbici)
I Base Capital (base capital minus deductions)

[Mon Jul 21 12:01:32 2003]
Posebne rezerve za neidentificirane gubitke
Special reserves for unidentified losses

[Mon Jul 21 12:01:40 2003]
Hibridni instrumenti
Hybrid instruments

[Mon Jul 21 12:01:46 2003]
Podređeni instrumenti
Subordinate instruments

[Mon Jul 21 12:01:46 2003]
Bruto dopunski kapital
Gross additional capital

[Mon Jul 21 12:02:45 2003]
Posebne rezerve za neidentificirane gubitke koje se ne uključuje u dopunskom kapitalu
Special reserves for unidentified losses which are not included in the additional capital

[Mon Jul 21 12:03:13 2003]
Podređeni instrumenti koji se ne uključuju u dodatni kapital
Secondary instruments which are not included in the additional capital

---