bank management`s statement - nlb-razvojna

Annual Report
2010
Annual Report
2010
TABLE OF
CONTENTS
BANK MANAGEMENT'S STATEMENT
6
1. INDEPENDENT AUDITOR’S REPORT
9
2. FINANCIAL HIGHLIGHTS
10
2.1. KEY INDICATORS OF BANK'S OPERATING ACTIVITIES
2.1.1. BALANCE SHEET
2.1.2. INCOME STATEMENT
2.1.3. STATEMENT ON CHANGES IN EQUITY
2.1.4. CASH FLOW STATEMENT
2.1.5. INCOME
2.1.6. EXPENSES
16
14
17
18
20
22
3. OPERATING ACTIVITIES
3.1.1. LOANS
3.1.2. DEPOSITS
3.1.3. DOMESTIC PAYMENT OPERATIONS
FOREIGN PAYMENT OPERATIONS
3.1.6. E-BANKING
2.1.2. PAYMENT CARDS
2.1.3. INFORMATION SYSTEMS
2.1.4. HUMAN RESOURCES
26
30
33
33
34
34
35
37
4. MANAGING BODIES
BANK'S MANAGING BODIES
ORGANIZATIONAL SCHEME
BUSINESS NETWORK
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41
42
BANK
MANAGEMENT'S
STATEMENT
BANK
MANAGEMENT'S
STATEMENT
Dear clients and shareholders,
Radovan Bajić
Director
It is our pleasure to introduce you successfull business activities of NLB Razvojna banka a.d. Banja
Luka in 2010.
Although the economic crisis influenced on economic trends and overall development during the
last year, NLB Razvojna banka achieved the positive operating results.
Bosnia and Herzegovina and the Republic of
Srpska had the positive rate of growth. In such
environment NLB Razvojna banka achieved the
planned result at the level of average rates.
The Bank did not change its business strategy and
retained its role as one of the most significant participant at the banking market of the Republic of
Srpska and Bosnia and Herzegovina.
We achieved the good result operating with retail
and corporate sector. The highest growth is
achieved in retail sector, and especially good
results are shown by deposit activities of citizens'
saving.
The Bank fulfills all imposed criteria and showed
the relative indicators in the scope and on the level
of the previous years.
We achieved a good cooperation with InvestmentDevelopment Bank of the Republic of Srpska. In
the previous period we placed over 135 million
BAM of funds from the credit line of InvestmentDevelopment Bank of the Republic of Srpska,
whereof 95 loans were placed to companies and
municipalities in total amount of 87 million BAM
and 788 loans were placed to physical persons and
entrepreneurs in the amount of 48 million BAM.
The ownership structure was not changed in
2010. Also, there was not the bigger fluctuation
of clients. The relative participation of 15 the
biggest depositors of the Bank is decreased as well
as 15 the biggest loan users.
The Bank showed its social responsibility through
huge number of donations to the cultural, humanitarian and sport activities.
We would like to thank to all clients, shareholders,
regulators and employees on their contribution to
Towards providing of better services to our clients, NLB Razvojna banka be very successfull, to keep
in 2010. the Bank paid more attention to invest- and strength its position at the market of the
ments in the new equipment, as well as to con- Republic of Srpska and Bosnia and Herzegovina.
struction and adaptation of business premises in
Banja Luka, Istočno Sarajevo, Foča etc.
Sincerely,
Boris Vodopivec
Deputy director
Radovan Bajić
Director
The Bank’s services are used by 150 thousand of
legal and physical persons, who monthly performed 1,2 million domestic transactions amounting over 5 milliard BAM and 7 thousand foreign
transactions amounting over 110 million BAM.
Boris Vodopivec
Deputy director
6
In 2010. NLB Razvojna banka achieved total
income in the amount of 78,3 million BAM,
expense in the amount of 67,6 million BAM and
net profit in the amount of 8,9 million BAM.
As of December 31, 2010. gross assets of the Bank
amounted to 1.052.993 BAM.
Such result is also achieved due to the good personnel policy, providing the adequate number of
employees, so there were no compulsive decrease
of the number of employees and dismissals.
As of December 31, 2010. credit portfolio was
637,7 million BAM, and total deposits amounted
to 764,8 million BAM.
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INDEPENDENT
AUDITOR’S
REPORT
INDEPENDENT
AUDITOR’S
REPORT
INDEPENDENT AUDITOR’S REPORT
To the Supervisory Board and Shareholders
of NLB Razvojna Banka a.d. Banja Luka
We have audited the submitted financial statements of NLB Razvojna banka a.d. Banja Luka
(hereinafter "Bank"), which comprise the balance
sheet as of December 31, 2010. and income statement, statement of changes in equity and cash
flow statement for the year then ended, summary
of significant accounting policies and other
explanatory notes to the financial statements.
Management's Responsibility for the Financial
Statements
Management is responsible for the preparation
and fair presentation of these financial statements
in accordance with the Law on Accounting and
Auditing of the Republic of Srpska, the Law on
Banks and the decisions of the Banking Agency of
the Republic of Srpska. This responsibility includes:
design, implementation and maintenance of internal controls relevant for the preparation and fair
presentation of financial statements that are free
from material misstatement, whether due to fraud
or error; selection and application of appropriate
accounting policies and preparation of accounting
reports that are reasonable in some circumstances.
The audit involves application of procedures to
obtain audit evidence about the amounts and disclosures in the financial statements. The selection
of procedures depends on the auditor's judgment,
including the assessment of the risks of material
misstatements of the financial statements, whether
due to fraud or error. In making those risk assessments, the auditor considers internal controls relevant to the preparation and fair presentation of the
financial statements of the Bank, in order to select
adequate audit procedures that are appropriate in
the circumstances, but not for the purpose of
expressing an opinion on the effectiveness of the
internal controls. The audit also includes evaluation
of adequacy of applied accounting policies and
acceptability of accounting estimates made by
management, as well as evaluation of overall presentation of the financial statements.
We believe that the audit evidences we have
obtained are sufficient and appropriate to provide
a basis for our audit opinion.
Opinion
In our opinion, the submitted financial statements
fairly and objectively present, in all material
respects the financial position of NLB Razvojna
Banka a.d. Banja Luka as of December 31, 2010. as
Auditor's Responsibility
well as the financial result and cash flows for the
year then ended in accordance with the Law on
Our responsibility is to express an opinion on these Accounting and Auditing of the Republic of Srpska,
financial statements based on our audit. We con- the Law on Banks and the decisions of the Banking
ducted our audit of financial statements in accor- Agency of the Republic of Srpska.
dance with International Standards on Auditing.
Those standards require that we comply with ethical requirements and to plan and perform the audit
to obtain reasonable assurance whether the finanIzmira Hasanbašić-Brajković, authorised auditor
cial statements are free from material misstateSarajevo, March 16, 2011
ments.
8
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FINANCIAL
HIGHLIGHTS
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KEY INDICATORS
OF BANK'S
OPERATING
ACTIVITIES
Description
December 31, 2010. December 31, 2009.
Balance sheet amount - net
Loans
Provisions based on loans
Credit portfolio coverage (%)
Deposits
Shareholders’ equity
Total capital
Net loans/deposits (%)
Profit
ROE (%) - in relation to shareholders’ capital
ROE (%) - in relation to total capital
CIR (%)
Capital adequacy (%)
Number of employees
Assets per employee
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1,052,993
640,569
75,574
11.80
773,149
52,003
89,253
73.08
8,999
17.30
10.08
54.6
15.7
508
2,073
1,161,092
649,515
62,448
9.61
939,552
52,003
83,072
62.48
6,059
11.65
7.29
54.3
15.5
520
2,233
13
INCOME
STATEMENT
INCOME
STATEMENT
(in 000 KM)
Report on the overall result
2010.
Interest income
Year ended on December 31,
2009. corrected
56,096
55,125
Dividend income
7
68
Interest expense
(23,514)
(27,224)
32,589
27,969
(12,290)
(10,888)
Indirect loans write-offs
20,299
17,081
Fee and commission income
16,563
16,468
Fee and commission expense
(3,953)
(3,770)
Net fee and commission income
12,610
12,698
2,914
2,789
949
(17)
1,654
2,097
(2,654)
(2,775)
(23,652)
(22,672)
Other operating expense
(1,209)
(2,045)
Profit before taxation
10,911
7,156
Income tax
(1,902)
(1,249)
Deferred tax
(139)
-
Net profit
8,870
5.907
0.17
0.11
Net interest income
Net indirect loans write-offs expense
Net interest income after decrease for
Net exchange differences income
Net profit/loss on change value of property
Other operating income
Depreciation costs
Administrative costs and general operating costs
Earnings per share
14
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STATEMENT
ON CHANGES
IN EQUITY
BALANCE
SHEET
(in 000 KM)
(Report on the financial position)
December
31, 2010.
Assets
Cash and balances with the Central bank
Securities held for trading
Securities available for sale
Securities held-to-maturity
Investments in related companies
Loans and placements to other banks
Loans and placements to clients
Property and equipment
Intangible assets
Investment property
Continuing assets available for sale
Payables for overpaid income tax
Deferred tax assets
Other assets
Total assets
Liabilities
Liabilities
Banks’ deposits
Clients’ deposits
Other borrowed funds
Debt securities liabilities
Subordinated debts
Provisions
Income tax liabilities
Deferred tax assets
Other liabilities
Total liabilities
Equity
Share capital
Share premium
Bank reserves
Revaluation reserves based on fixed assets
change of value
Revaluation reserves based on change
of value of securities available for sale
Retained earnings
Total equity and reserves
Total liabilities
Contingent liabilities and commitments
16
December
31, 2009.
corrected
January
01, 2009.
corrected
(in 000 KM)
Statement on changes in equity
Bank
Reserves
Revaluation
reserves based
on real estate
157
9,625
3,663
-
3,214
157
-
Share Issuance
capital premium
187,556
280
46,847
230
635
213,981
564,995
32,530
601
1,854
528
44
356
2,556
1,052,993
254,178
248
43,553
398
623
241,421
587,067
28,136
1,019
1,734
219
2,496
1,161,092
186,999
267
733
566
623
459,626
562,895
25,996
1,771
1,734
61
41
1,357
1,242,669
2,603
770,546
165,577
9,784
6,848
692
648
7,042
963,740
1,302
938,220
109,425
4,881
9,783
7,864
173
6,372
1,078,020
1,240
1,055,646
72,327
4,597
9,783
6,948
61
9,049
1,159,651
52,003
157
22,271
52,003
157
19,788
52,003
157
12,839
4,444
3,511
3,663
1,379
8,999
89,253
1,052,993
108,803
1,554
6,059
83,072
1,161,092
106,756
290
14,066
83,018
1,242,669
107,377
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Balance as of January
01, 2009.
52,003
Changes in accounting
policies
Restated balance as of
January 01, 2009.
52,003
Profit for the current year
Dividends paid
Transfer to reserves
Gains on fair value of
securities available for sale
Abolition of revaluation
reserves for equipment
write-off
Balance as of
December 31, 2009.
52,003
Balance as of
January 01, 2010.
52,003
Profit for the current year
Dividends paid
Transfer to reserves
Losses on fair value of
securities available for sale
Gains on fair value of
real estate
Balance as of
December 31, 2010.
52,003
Revaluation
reserves based
on securities
available for
sale
Retained
earnings
Total
290
14,235
79,973
-
-
(169)
3,045
12,839
6,949
3,663
-
290
-
14,066
5,907
(7,117)
(6,949)
83,018
5,907
(7,117)
-
-
-
-
1,264
-
1,264
-
-
(152)
-
152
-
157
19,788
3,511
1,554
6,059
83,072
157
-
19,788
2,483
3,511
-
1,554
-
6,059
8,870
(3,578)
(2,483)
83,072
8,870
(3,578)
-
-
-
-
(175)
-
(175)
-
-
933
-
131
1,064
157
22,271
4,444
1,379
8,999
89,253
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KEY INDICATORS
OF THE BANK'S
OPERATING
ACTIVITIES
CASH FLOW
STATEMENT
(in 000 KM)
Cash flow statement
Period ended
on December 31,
2010.
Cash flows from operating activities
Interest income
Interest expense
Fee and commission received
Fee and commission paid
Other income
Net effects of payments by off-balance positions
Paid but previously adjusted receivables
Payments based on wages and costs
Paid tax on profits
2009.
56.213
-20.351
17.006
-3.953
-85
297
-31.375
-1.254
55.214
-28.172
17.339
-3.722
-336
2.792
-28.434
-1.514
16.498
13.167
435
1.339
-168.114
-
-31.375
28.694
-147.477
-
-149.842
-136.991
Cash flows from investing activities
Net decrease in short-term placements to financial institutions
Interest received
Purchase of property, plant and equipment
Investments in securities
Net decrease in long-term investments
-3.467
-3.380
-3.143
-
3.912
-3.197
-41.871
-
Net cash flows from investing activities
-9.990
-41.156
Cash flows from financing activities
Net increase/(decrease) in borrowed funds and issued securities
Dividends received
Dividends paid
Payments by extraordinary items
56.152
7
-3.578
-
37.089
67
-7.118
-
Net cash flows from financing activities
52.581
30.038
2.505
1.862
-104.746
487.610
-146.247
633.857
Cash and cash equivalents at the end of the year
382.864
487.610
Cash and cash equivalents include the following positions:
Cash and balances with the Central Bank
Due from other banks
187.529
195.335
254.116
233.494
Operating profits before changes in operating assets and liabilities
Changes in operating assets and liabilities
Net
Net
Net
Net
increase
increase
increase
increase
in
in
in
in
loans and placements to customers
deposits from other banks
deposits from customers
other assets
Net cash flows from operating activities
Effects on exchange rate changes on cash and cash equivalents
Net increase in cash and cash equivalents
Cash and cash equivalents at the beginning of the year
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Description
December 31, 2010. December 31, 2009.
Balance sheet amount - net
Loans
Provisions based on loans
Credit portfolio coverage (%)
Deposits
Shareholders’ equity
Total capital
Net loans/deposits (%)
Profit
ROE (%) - in relation to shareholders’ capital
ROE (%) - in relation to total capital
CIR (%)
Capital adequacy (%)
Number of employees
Assets per employee
1,052,993
640,569
75,574
11.80
773,149
52,003
89,253
73.08
8,999
17.30
10.08
54.6
15.7
508
2,073
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1,161,092
649,515
62,448
9.61
939,552
52,003
83,072
62.48
6,059
11.65
7.29
54.3
15.5
520
2,233
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INCOME
INCOME
Structure of Total Income as of December 31, 2010.
In the period of January 01, to Decemebr 996 thousand, participating with 1.27% in total
31, 2010. the Bank achieved total income income.
- fees from domestic payment operations amounting to
in the amount of 78,183 thousand BAM BAM 12,233 thousand, participating with 15.65% in
and total expense in the amount of total income.
67,272 thousand BAM. Achieved gross - brokerage commission amounting to BAM 70 thouprofit amounts to 10,911 thousand BAM, sand.
tax amounts to 2,041 thousand BAM and
net profit amounts to 8,870 thousand Other Income
BAM.
Interest Income
Interest income amounts to BAM 56,096 thousand and
makes 71.75% of total income.
In total interest income, the most significant are interest income from loans amounting to BAM 47,884
thousand and fee and commission income from loans
amounting to BAM 3,721 thousand, together representing 66.01% of total income.
Interest income from other banks amounts to BAM
2,680 thousand and makes 3.43% of income structure.
Other operating income amounting to BAM 5,524
thousand and representing 7.07% of total income
includes:
- net gains on change value of property - 949 thousand BAM,
- net exchange differences income - 2,914 thousand
BAM,
- rent income - 166 thousand BAM,
- abolition of provisions for litigations and other liabilities - 712 thousand BAM,
- Net income on abolition of provisions per off-balance
liabilities - 483 thousand BAM,
- other operating income – 300 thousand BAM.
Fee and Commission Income
Structure of Interest Income as of December 31, 2010.
20
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Achieved fee and commission income amounting to
BAM 16,563 thousand and representing 21.18% of
total income includes:
- fee income from foreign payment operations amounting to BAM 3,266 thousand, participating with 4.18%
in total income,
- fees from off-balance activities amounting to BAM
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EXPENSE
Total expense amounts to BAM
67,272 thousand.
Structure of total expense as of December 31,2010.
Interest Income
Other Expense
Interest expense in Income Statement amounts to BAM
23,514 thousand and it is related with accrued interest
on interest-bearing deposits of customers and retail
savings in all currencies, loan interest, as well as
deferred interest on fixed deposits of legal and physical
entities and deferred interest on taken loans. In
expense structure, interest expense participates with
34.95%.
Other operating expense amounting to BAM 39,805
thousand (59.17% of total expenses) includes:
- net indirect loan write-offs expense -12,290 thousand
BAM (18.27% of total expenses),
- depreciation expense – 2,654 thousand BAM
- wages and contributions expense - 14,535 thousand
BAM (21.61% of total expenses),
- materials and services expense - 2,845 thousand BAM
(4.23% of total expenses)
- lease expense – 847 thousand BAM (1.26%)
- advertising expense - 1,116 thousand BAM (1.66%)
- representation expense - 158 thousand BAM (0.23%)
- deposit insurance - 1,436 thousand BAM (2.13%)
- other expense - 3,924 thousand BAM (5.83% of total
expenses).
Interest expense on deposits amounts to BAM 19,408
thousand and represents 28.85% of total expenses.
Interest expense on taken loans amounts to BAM 3,020
thousand and represents 4.49% of total expenses and
interest expense on borrowings by other banks
amounts to BAM 520 thousand and represents 0.77%
of total expenses.
Fee and Commission Expense
Structure of interest expense as of December 31, 2010.
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Fee and commission expense amounting to BAM 3,953
thousand (5.88% of total expenses) includes payment
operations expense, banking services of the Banking
Agency of the Republic of Srpska, the Central Bank of
Bosnia and Herzegovina, SWIFT services, fee and commission expense on credit cards and some other services.
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OPERATING
ACTIVITIES
LOANS
LOANS
Total loan portfolio amounted to BAM 640,569
thousand as of December 31, 2010. As of
December 31, 2010. loans placed to clients
include corporate loans amounting to BAM
397,066 thousand and retail loans amounting
to BAM 243,503 thousand. Calculated interest
amounted to BAM 5,348 thousand.
Structure of total loans as of December 31, 2010.
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LOANS
LOANS
Corporate Loans
Corporate loans portfolio as of December 31, 2010.
amounts to BAM 393,438 thousand.
Corporate loans structure is as follows:
- short-term loans amount to BAM 47,563 thousand
(12.09%),
- long-term loans amount to BAM 317,702 thousand (
80.75%) and
- payable loans amount to BAM 28,173 thousand
(7.16%)
Retail Loans
Structure of corporate loans as of December 31, 2010.
Balance of loans to physical entities as of December 31,
2010. amounted to BAM 241,783 thousand.
Retail loans structure by maturity is as follows:
- short-term loans amount to BAM 24,679 thousand
(10.21%)
- long-term loans and current maturities amount to
BAM 206,358 thousand (85.35%)
- payable loans amount to BAM 10,746 thousand
(4.44%)
Structure of retail loans as of December 31, 2010.
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DEPOSITS
DEPOSITS
As of December 31, 2010. total deposits
amounted to BAM 773,149 thousand.
Retail deposits amount to BAM 459,710 thousand (at
sight deposits - 218,199 thousand BAM, short-term
deposits - 21,140 thousand BAM, long-term deposits 220,371 thousand BAM).
Corporate deposits amount to BAM 313,439 thousand,
(at sight deposits - 198,992 thousand BAM, short-term
deposits - 60,675 thousand BAM, long-term deposits 53,772 thousand BAM).
Deposits as of December 31, 2010.
Deposits by maturity as of December 31, 2010.
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PAYMENT
OPERATIONS
Domestic Payment Operations
Foreign Payment Operations
Foreign Currency Accounts of Legal Entities
As of December 31, 2010. the Bank held 26,260 transaction accounts of legal entities, whereof 21,324
active.
Average monthly number of payment orders in 2010.
amounted to 542,500, and 646,300 in 2009.
In total number of transactions, it was realised 72% of
internal transactions and 28% of external transactions.
In 2010. average monthly market participation of the
Bank in the number of outflow transactions with the
Central Bank of Bosnia and Herzegovina amounted to
5.68%, while participation in transactions value
amounted to 6.85%. In 2009. market participation of
the Bank in the number of transactions amounted to
6.31%, while participation in transactions value
amounted to 8.27%.
The number (16%) of transactions value is decreased
(9.84%) when compared with the same period in
2009.
Achieved income for services provided in 2010.
amounted to BAM 12,233 thousand, representing
increase of income for 1% when compared with 2009.
(BAM 12,109 thousand). Bearing in mind decrease of
extent in domestic payment operations, increase in
total income is achieved by increase of activities and
income in payment cards operations.
E-banking
As of December 31, 2010. the Bank had 2,803 e-banking users, whereof 1,412 legal entities and 1,391 physical persons. When compared with December 31, 2009.
the number of e-banking users is increased for 12.93%.
In total cashless orders, e-banking orders participation is
increased when compared with the same period in
2009.
As of December 31, 2010. in total cashless orders, ebanking orders participation amounted to 48.81%,
whereof 15.72% are orders through e-bank and
33.09% are orders downloaded from e-files.
As of December 31, 2010. the Bank had 16,496 SMS
service users and 1,463 WEB Info service users.
The number of SMS service users is increased 47.01%
when compared with the same period in 2009. (11,221
users), and the number of messages is increased
41.67% when compared with the same period in 2009.
As of December 31, 2010. the Bank maintained 4,863
foreign currency accounts of legal entities with status
Active (5 non-resident accounts and 4,858 resident
accounts), whereof 44% accounts were actively operated in 2010. or through which foreign payment operations were performed.
In 2010. 404 the new foreign currency accounts of
legal entities were opened and 191 accounts were terminated due to inactivity.
Foreign-Correspondent Accounts and the
Achieved Volume of Foreign Payment Operations
Foreign payment operations were performed over six
accounts held with NLB Group and ten accounts held
with other foreign banks.
In 2010. the achieved foreign outflow amounts to EUR
405,189 thousand, while in 2009. it amounted to EUR
394,401 thousand.
In 2010. the number of made transactions upon clients’
orders is increased for 0.20%. According to total number of made transactions, 49.73% transactions are
made through the banks of NLB Group, and 50.27%
through other foreign-correspondent banks.
In 2010. the achieved foreign inflow amounts to EUR
226,824 thousand, while in 2009. it amounted to EUR
216,506 thousand.
In 2010. the number of transactions received in the
Bank’s IT system based on foreign payments in favour
of client’s account is increased for 12.22%. According
to total number of received transactions, 38.14%
transactions are received over accounts held with the
banks of NLB Group, and 61.86% transactions are
received over accounts held with other foreign-correspondent banks.
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Share
Capital
Payment
Cards
In 2010. payment cards operations were increased
through all parameters, including the number of
cards, ATMs and POS terminals, the number and
value of transactions when compared with the
same period in 2009.
Total number of cards is increased for 6.80% when
compared with December 31, 2009.
The number of ATM transactions is increased for
20%, and the amount of paid funds through ATM
34
is increased for 9.20% when compared with the
same period in 2009. As of December 31, 2010. the
number of ATMs amounts to 58.
We actively work on extension of trading network
and activation of existing network. The total number of transactions made in our trading network is
increased for 70%, and the value of transactions
made in our trading network is increased for 57%
when compared with the same period in 2009.
www.nlbrazvojnabanka.com
(in 000 BAM)
Shareholders
Nova ljubljanska banka DD Ljubljana
Private companies
Physical persons
Foreign physical persons
Total
As of December
31, 2010.
51,926
18
55
4
52,003
www.nlbrazvojnabanka.com
%
As of December
31, 2009.
99.85
0.03
0.11
0.01
100.00
51,926
18
55
4
52,003
%
99.85
0.03
0.11
0.01
100.00
35
HUMAN
RESOURCES
In 2010. 30 employees ceased his/her employment
with the Bank, whereof 8 with graduate degree, 5
with undergraduate degree, 15 with secondary
school degree, 1 high-qualified and 1 qualified.
Within this period, 18 employees started to work,
whereof 9 with graduate degree, 1 with under-
graduate degree, 7 with secondary school degree
and 1 non-qualified.
As of December 31, 2010. the Bank had totally 508
employees, whereof 21 were employed for definite period of time, out of whom 4 were trainees.
Employee Qualification Structure
Description
Mr/Phd. degree
Graduate degree
Undergraduate degree
Secondary school degree
High-qualified
Qualified
Non-qualified
Total
December 31, 2010.
4
181
50
258
5
6
4
508
%
0.79
35.63
9.84
50.79
0.98
1.18
0.79
100
December 31, 2010.
4
175
55
268
7
8
3
520
%
0.77
33.65
10.58
51.54
1.35
1.54
0.58
100
Employee Age Structure
Description
Up to 30 years
From 30 to 40 years
From 40 to 50 years
From 50 to 55 years
From 55 to 60 years
Over 60 years
Total
December 31, 2010.
74
141
110
102
62
19
508
%
14.57
27.76
21.65
20.08
12.20
3.74
100
December 31, 2010.
90
129
122
108
54
17
520
%
17.31
24.81
23.46
20.77
10.38
3.27
100
Employee Gender Structure as of December 31, 2010.
Gender
Female
Male
Total:
Number of Employees
370
138
508
www.nlbrazvojnabanka.com
%
72.83
27.17
100
37
BANK’S
MANAGING
BODIES
BANK’S
ORGANIZATIONAL
STRUCTURE
BANK’S
MANAGING
BODIES
Supervisory Board
Marko Jazbec
Milan Marini~
Tadej Krašovec
Nataša Damjanovi~
Marjeta Zver Cankar
President
Member
Member
Member
Member
Audit Board
Anica Knavs
Metka Turk
Darija Mozeti~
Saša Kova~i}
Kristina Kova~i}
President
Member
Member
Member
Member
Bank Management
Radovan Baji}
Boris Vodopivec
Dejan Guzijan
Director
Deputy Director
General Secretary
Centers
Ljiljana Pani}
Ljiljana Rebi}
Dragan Injac
Mirela Baši}
Zoran Panti}
Director
Director
Director
Director
Director
Zdrava Kova~evi}
Head of Internal Audit Department
40
of
of
of
of
of
Treasury Center
Business Network Center
Corporate Center
Payment Operations Center
Support Center
www.nlbrazvojnabanka.com
www.nlbrazvojnabanka.com
41
Business
Network
Organizational unit
Address
HEAD OFFICE
Counter Donji Uvac
Donji Uvac bb
058 730 707
058 730 707
Counter ^ajni~e
K.P.I Kara|or|evi}a
058 315 521
058 315 521
Telephone
Fax
Milana Tepi}a no. 4
051 221 610
051 221 623
Counter Kalinovik
Kara|or|eva bb
057 623 012
057 623 012
Branch office Banja Luka
Kralja Petra I Kara|or|evi}a 85a
051 242 143
051 242 192
Counter Novo Goražde
Centar bb
058 430 011
058 430 011
Banja Luka - Sub-branch 1
Milana Tepi}a br.4.
051 245 542
051 221 613
Branch office Gradiška
Vidovdanska bb
051 814 352
051 815 928
Banja Luka - Sub-branch 2
Kralja Petra I Kara|or|evi}a 85a
051 242 157
051 242 192
Sub-branch Kozarska Dubica
052 410 537
052 410 407
Counter Obilićevo
Cara Lazara 21
051 245 594
051 461 001
Šalter Mercator
Dejtonska bb
051 826 660
051 826 660
Counter Marije Bursa}
Marije Bursa} br.1
051 217 909
051 217 909
Sub-branch Srbac
Mome Vidovi}a 18
051 745 211
051 745 211
Counter Mercator
Aleja Svetog Save bb
051 314-463
051314-463
Counter Nova Topola
Nova Topola bb
051 892 049
051 892 049
Counter Integra
Kralja Petra I Kara|or|evi}a 96-98
051 313-046
051 313-046
Branch office Ist. Sarajevo
Kara|or|eva 13
057 340 457
057/340 453
Counter Rosulje
Kralja Petra II Kara|or|evi}a br. 4
051 300-115
051 300 115
Counter Tržnica
Nikole Tesle bb
057 343 150
057 343 150
Counter Lazarevo
Branka Popovi}a
051 371 645
051 371 632
Sub-branch Pale
Dobrosava Jev|evi}a bb
057 222 400
057 223 515
Sub-branch Lazarevo
Knjaza Miloša br.59
051 309 192
051 309 192
Sub-branch Sokolac
Cara Lazara bb
057 448 329
057 448 190
Counter Hirurgija
Zdrave Korde bb
051 245 592
Sub-branch Rogatica
Srpske sloge bb
058 416 035
058 416 035
Counter Interno
12 beba bb
051 245 597
Šalter Han Pijesak
Srpske vojske 64
057 559 302
057 559 302
Counter Ginekologija
12 beba bb
051 245 591
Branch office Modri~a
Knjaza Miloša bb
053 810 022
053 810-506
Sub-branch Tržnica
Tržnica br.11- N17
051 217 484
051 217 484
Sub-branch Bosanski Šamac
Svetosavska 1
054 612 406
054 620 010
Sub-branch Laktaši
Kara|or|eva bb.
051 530 973
051 530 972
Counter Pelagi}evo
Pelagi}evo bb
054 810 170
054 810 170
Counter Aleksandrovac
Gradiška cesta
051 580 750
Counter Vukosavlje
Cara Lazara bb
053 814 021
053 814 021
Sub-branch ^elinac
Cara Lazara 5.
051 551 181
051 551 081
Counter at customs office Šamac Put Srpskih dobrovoljaca bb
054 611 241
054 611 241
Sub-branch Kotor Varoš
Cara Dušana br.23
051 785 090
051 785-353
Branch office Prijedor
K.P.I Oslobodioca
052 234 006
052 234 006
Sub-branch Tesli}
Kara|or|eva LE
053 410 360
053 436 584
Sub-branch I
K.P.I. Oslobodioca 91
052 234 566
052 234 006
Sub-branch Mrkonji} Grad
Trg Kralja Petra Kara|. 1
050 211 205
050 212 002
Sub-branch II
K.P.I. Oslobodioca 1
052 241 921
052 241 921
Counter Šipovo
Gavrila Principa bb
050 371 132
050 371 505
Sub-branch Novi Grad
K. Petrovi}a 34
052 752 121
052 751 065
Counter Kneževo
Gavrila Principa bb
051 591 364
051 591 754
Sub-branch Kozarac
Mladena Stojanovi}a bb
052 346 130
052 346 131
Counter Ribnik
Rade Jovani}a bb
050 431 023
050 431 023
Sub-branchKostajnica
K.P.I Oslobodioca bb
052 663 356
052 663 356
Branch office Bijeljina
Patrijarha Pavla br. 1
055 209 905
055 209 905
Branch office Prnjavor
Trg srpskih boraca 1
051 665 477
051 665 477
Counter Ugljevik
Trg D. Mihajlovi}a bb
055 771 072
05 /771 205
Sub-branch Prnjavor
Trg srpskih boraca 1
051 665 477
051 665 477
Counter Lopare
Cara Dušaa bb
055 650 329
055 650 329
Sub-branch I Prnjavor
Trg srpskih boraca bb
051 663 742
051 663 270
Branch office Br~ko
Klosterska 23
049 216 133
049 216 133
Branch office Trebinje
Herceg Stefana Kosa~e 1
059 260 953
059 260 933
Branch office Doboj
Svetog Save br. 20
053 241 120
053 241 120
Sub-branch Bile}a
K.P.I Oslobodioca 2
059 380 140
059 370 140
Sub-branch Bosanski Brod
Svetog Save bb
053 612 041
053 612 041
Sub-branch Gacko
Stojana Kova~evi}a 13
059 464 966
059 464 966
Sub-branch Derventa
M. Bjelosevi}a - Belog bb
053 333 227
053 333 227
Sub-branch Nevesinje
Skver Nevesinjska puška 5
059 601 514
059 601 514
Counter Petrovo
Ozrenskih brigada bb
053 260 124
053 260 124
Counter Ljubinje
Kara|or|eva 2
059 621 195
059 621 194
Branch office Fo~a
Mome Kosovi}a br.7
058 210 792
058 210 815
Branch office Zvornik
Bra}e Jugovi}a 3c
056 210 672
056 210 672
Sub-branch Višegrad
K.P.I Kara|or|evi}a
058 620 527
058 620 527
Sub-branch Bratunac
Gavrila Principa bb
056 410 188
056 410 300
Counter Rudo
D. D. Mihajlovi}a
058 711 145
058 711 145
Sub-branch Vlasenica
Sv, Apostola Petra i Pavla
056 733 239
056 733 239
42
www.nlbrazvojnabanka.com
Svetosavska 1
www.nlbrazvojnabanka.com
43
Publisher
NLB Razvojna banka
Milana Tepi}a no. 4
78 000 Banja Luka
T: + 387 (0) 51 221 610
F: + 387 (0) 51 221 623
www. nlbrazvojnabanka.com
44
www.nlbrazvojnabanka.com