FINANCE PERFORMANCES
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Income Statement |
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(all amounts in KM) |
31.12.2008. |
2007 |
2006 |
2005 |
2004 |
2003 |
2002 |
2001 |
2000 |
1999 |
1998 |
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Interest income |
17,521,000 | 10,178,000 | 6,713,000 | 4,270,620 | 4,011,968 |
3,068,657 |
2,125,899 |
1,393,200 |
1,081,653 |
615,563 |
250,684 |
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Interest expense |
3,534,000 | 1,589,000 | 737,000 | 316,890 | 230,524 |
201,292 |
123,103 |
12,162 |
- |
- |
- |
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Operating income |
13,987,000 | 8,589,000 | 5,976,000 | 3,953,730 | 3,781,444 |
2,867,365 |
2,002,796 |
1,381,038 |
1,081,653 |
615,563 |
250,684 |
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Operating expenses |
7,402,000 | 5,219,000 | 3,570,000 | 2,487,666 | 2,156,782 |
1,906,866 |
1,642,059 |
1,046,942 |
963,644 |
768,516 |
700,969 |
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Bad and doubtful debts expense |
3,585,000 | 1,632,000 | 726,000 | 638,576 | 278,440 |
200,431 |
148,251 |
64,882 |
47,042 |
70,744 |
25,714 |
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Operating expenses |
7,333,000 | 5,201,000 | 3,154,000 | 3,126,242 | 2,435,222 |
2,107,297 |
1,790,310 |
1,111,824 |
1,010,686 |
839,260 |
726,683 |
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Other income |
217,000 | 159,000 | 233,000 | 50,544 | 217,669 |
24,669 |
7,604 |
8,658 |
3,158 |
8,644 |
630 |
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Other expenses |
284,000 | 140,000 | 85,000 | 381,919 | 4,633 |
2,796 |
4,501 |
11,480 |
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Net operational result |
2,931,000 | 1,756,000 | 2,096,000 | 496,113 | 1,559,258 |
718,941 |
215,589 |
266,392 |
74,125 |
(215,053) |
(475,369) |
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Grants and donations |
3,278,000 | 139,560 | 114,583 |
71,398 |
1,102,323 |
750,273 |
654,731 |
2,039,961 |
1,404,790 |
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Net result |
2,931,000 | 1,756,000 | 5,374,000 | 635,673 | 1,673,841 |
853,339 |
1,317,912 |
1,016,665 |
728,856 |
1,824,908 |
929,421 |
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Balance Sheet |
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(all amounts in KM) |
31.12.2008. |
2007 |
2006 |
2005 |
2004 |
2003 |
2002 |
2001 |
2000 |
1999 |
1998 |
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ASSETS |
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Current assets |
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Cash and cash equivalent |
2,244,000 | 1,773,000 |
1,252,000 | 448,251 | 1,244,916 |
1,213,534 |
2,252,843 |
1,472,407 |
565,681 |
871,142 |
256,501 |
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Time deposits |
- | 480,000 |
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350,000 |
110,000 |
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Loans and advances to customers |
69,995,000 | 47,510,000 | 22,884,000 | 18,099,168 | 13,150,598 |
10,314,265 |
7,048,859 |
3,849,902 |
3,189,651 |
2,243,825 |
1,242,805 |
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Other current assets |
1,546,000 | 778,000 | 319,000 | 95,330 | 33,339 |
39,477 |
129,313 |
82,200 |
111,145 |
67,964 |
41,566 |
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Non-current assets |
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Property and equipment |
5,817,000 | 2,753,000 | 999,000 | 408,548 | 352,635 |
381,540 |
346,666 |
350,543 |
321,315 |
343,215 |
141,621 |
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Total assets |
79,602,000 | 52,832,000 | 25,460,000 | 19,051,297 | 15,261,488 |
11,948,816 |
9,777,681 |
6,105,052 |
4,297,792 |
3,526,146 |
1,682,493 |
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LIABILITIES |
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Current liabilities |
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Other liabilities |
2,118,000 | 751,000 | 328,000 | 318,529 | 209,065 |
103.363 |
96,984 |
69,705 |
81,000 |
38,210 |
19,465 |
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Non current liability |
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Loan |
57,709,000 | 34,565,000 | 9,856,000 | 9,018,546 | 5,973,874 |
4,440,745 |
3,129,328 |
801,890 |
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Total liabilities |
59,827,000 | 35,988,000 | 10,372,000 | 9,337,075 | 6,182,939 |
4,544,108 |
3,226,312 |
871,595 |
81,000 |
38,210 |
19,465 |
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Equity |
19,775,000 | 16,844,000 | 15,088,000 | 9,714,222 | 9,078,549 |
7,404,708 |
6,551,369 |
5,233,457 |
4,216,792 |
3,487,936 |
1,663,028 |
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Total equity and liabilities |
79,602,000 | 52,832,000 | 25,460,000 | 19,051,297 | 15,261,488 |
11,948,816 |
9,777,681 |
6,105,052 |
4,297,792 |
3,526,146 |
1,682,493 |