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Naziv 

 

 

 

31. 12. 2016 

 

31. 12. 2015

Intesa Sanpaolo S. P. A. 

 

98.,9%   



 

98,4%


Delež  kapitalu banke

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BUSINESS REPORT

FINANCIAL REPORT

meeting of shareholders of Banka Koper  d.d. held on 19.12.2016, the resolution was passed to change the name of 

the bank and amend the bank’s articles of association.

10.  The data on the composition and functioning of the management or supervisory bodies and their 

committees

The supervisory board

 

The supervisory board of Banka Koper d.d is composed of five members of which two are external experts and three 



are the representatives of the Intesa Sanpaolo banking group. 

In 2016, there were changes in the composition of the supervisory board. The general meeting of shareholders of 

Banka Koper d.d. (hereinafter; the general meeting of shareholders) received at its 35th meeting that the term of office 

of the following  members of the supervisory board expired on  27. 6. 2016: Vojko Čok, Roberto Civalleri, dr. Borut 

Bratina, Emanuele Collini and Elena Breno. On the same day Vojko Čok, dr. Borut Bratina, Emanuele Collini,  Elena 

Breno and  Silvia Rinaldi were elected as the members of the supervisory board. The supervisory board appointed on 

29. 6. 2016 Vojko Čok as chairman and dr. Borut Bratinao as deputy chairman of the supervisory board.  Since Vojko 

Čok handed in his notice of resignation from the office of member of the supervisory board effective on 19.12.2016, 

the general meeting of shareholders elected at its 36th meeting held on 19. 12. 2016 a new member of the supervisory 

board Mr. Uroš Čufer. The supervisory board appointed Uroš Čufer on 20.12.2016 as chairman of the board. 

The members of the supervisory board as of 31.12. 2016 so: 

Uroš 


Čufer   chairman 

 

Dr. Borut Bratina 



 

 

deputy chairman 



Elena 

Breno 


  member

Emanuele 

Collini 

  member 

Silvia 

Rinaldi 


  member

There were three committees of the supervisory board at the bank at the end of 201: the audit committee, the risk 

committee and the nomination committee.

The management board

 

The management board of Banka Koper d. d   has seven members. 



In 2016, the term of office of Mr. Giancarlo Miranda in the capacity of the president of the management board expired. 

The supervisory board re-appointed Mr. Miranda as the president of the management board on 29.6.2016 for the 

period of five years.  

The members of the management board as of 31.12.2016 are:

Giancarlo Miranda, M.Sc. 

 

president 



Igor Kragelj 

 

 



deputy president 

Irena 


Džaković 

  member 

Rado 

Grdina 


  member 

Mag. Aleksander Lozej 

 

member 


Maurizio 

Marson 


  member 

Aleksander Milostnik 

 

member  


The corporate governance statement shall be published as a separate report accessible to the general public on the 

bank’s website. 

Koper, 14.02.2017

Supervisory board of Banka Sanpolo d. d. 

 

Management board of Banka Intesa Sanpoalo d. d.



Financial

Report 

2016

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FINANCIAL REPORT

Independent auditors’ report on financial statements



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FINANCIAL REPORT

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FINANCIAL REPORT

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FINANCIAL REPORT

Deputy President 

Igor Kragelj



Member

Aleksander Milostnik  



Member

Aleksander Lozej        



Member

Rado Grdina 



Member

Irena Džaković



President 

Giancarlo Miranda



Member

Maurizio Marson

Statement Of Management’s Responsibilities 

The management is responsible for preparing financial statements for each financial year that present fairly the 

state of affairs of the Bank as at the end of the financial year and of the profit or loss for that period. 

The management confirms that suitable accounting policies have been used and applied consistently and 

reasonable and prudent judgments and estimates have been made in the preparation of the financial statements 

for the year ended 31 December 2016. The management also confirms that the financial statements have been 

prepared on the going concern basis and in accordance with the applicable laws and International Financial 

Reporting Standards, as adopted by the EU. 

The management is responsible for keeping proper accounting records, for taking reasonable steps to safeguard 

the assets of the Bank and its subsidiaries and to prevent and detect fraud and other irregularities. 

In accordance with local regulations, the tax authorities may at any time inspect the Bank’s books and records 

within 5 years subsequent to the reported tax year and may impose additional tax assessments and penalties. The 

Bank’s management is not aware of any circumstances, which may give rise to a potential material liability in this 

respect.


Koper, 13 February 2017 

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FINANCIAL REPORT

Financial Statements 



1.  INCOME STATEMENT

Notes

                       As at 31 December

2016

2015

Interest income

4

49,554


56,399

Interest expenses

4

(8,026)


(12,293)

Net interest income

41,528

44,106

Dividend income

5

655


545

Fee and commission income

6

37,658


40,278

Fee and commission expenses

6

(11,860)


(13,815)

Net fee and commission income

25,798

26,463

Realised gains or losses on financial assets and liabilities not measured at fair value through profit or loss

7

19,574


2,598

Gains or losses on financial assets and liabilities held for trading

8

812


1,041

Gains or losses on financial assets and liabilities designated at fair value through profit or loss

(48)

71

Fair value adjustments in hedge accounting



9

136


(92)

Exchange differences 

(304)

(100)


Gains or losses on derecognition of assets

10

1,043



47

Other operating  net income

11

(177)


1,561

Administrative expenses

12

(40,250)


(40,550)

Depreciation and amortisation

13

(4,692)


(5,422)

Provisions and post-employment benefit obligations:

1,123

(243)


- provisions for liabilities and charges

14

1,558



172

- provisions for post-employment benefit obligations and similar obligations

14

(435)


(415)

Impairment

15

(22,239)


(15,827)

Total profit or loss before tax from continuing operations

22,959

14,198

Tax expense (income) related to profit or loss from continuing operations

16

(2,719) 


(2,355)

Total profit or loss after tax from continuing operations

20,240


11,843

Net profit or loss for the financial year

20,240 

11,843

Basic earnings per share (basic and diluted) (in EUR per share)

17

38.16



22.33

The accompanying notes on pages 42 to 101 are an integral part of the financial statements.



                         As at 31 December

2016

2015

NET PROFIT OR LOSS FOR THE FINANCIAL YEAR AFTER TAX

20,240

11,843

OTHER COMPREHENSIVE INCOME AFTER TAX

(4,592)

(1,880)

ITEMS THAT WILL NOT BE RECLASSIFIED TO PROFIT OR LOSS

78

(638)

Actuarial gains (losses) on defined benefit pensions plans

78

(697)


Income tax relating to items that will not be reclassified

-

59



ITEMS THAT MAY BE RECLASSIFIED SUBSEQUENTLY TO PROFIT OR LOSS

(4,670)

(1,242)

Available-for-sale financial assets 

(5,436)

(1,496)

- revaluation gains (losses) taken to equity

370

2,660


- transferred to profit or loss

(5,806)


(4,156)

Income tax relating to items that may be reclassified to profit or (-) loss

766

254


TOTAL COMPREHENSIVE INCOME FOR THE FINANCIAL YEAR AFTER TAX     

15,648

9,963

 a)  Attributable to owners of the Bank 

15,648

9,963


(in thousands of euros)

(in thousands of euros)



2. STATEMENT OF COMPREHENSIVE INCOME

 

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BUSINESS REPORT

FINANCIAL REPORT

Notes

                         As at 31 December

2016

2015

ASSETS

Cash, cash balances at central banks and other demand deposits at banks

19

192,843 


234,240

Financial assets held for trading:

64 

91

- derivative financial instruments



20

64 


91

Financial assets designated at fair value through profit or loss

136 

222


Available-for-sale financial assets

21

354,615 



330,088

Derivatives – hedge accounting

20

913 


21

Loans and receivables:

1,726,905 

1,654,741

- loans to banks

22

89,516 



160,140

- loans to non-bank customers

23

1,626,373 



1,482,682

- advances

24

11,016 


11,919

Fair value changes of the hedged items in portfolio hedge of interest rate risk

45

-

Property, plant and equipment



25

18,700 


21,523

Investment property

26

13,985 


14,127

Intangible assets

27

4,068 


4,471

Tax assets

-

1,246


- current tax assets 

-

984



- deferred tax assets

36

-



262

Other assets

28

13,389


11,712

Total assets

2,325,663

2,272,482

LIABILITIES

Financial liabilities held for trading:

-

1

- derivative financial instruments



20

-

1



Derivatives – hedge accounting

20

1,402



66

Financial liabilities measured at amortised cost:

2,017,524 

1,971,643

- deposits from banks and central banks

29

62,700 



22,821

- deposits from non-bank customers

30

1,839,935 



1,776,685

- loans from banks and central banks

31

87,747 


149,481

- loans from non-bank  customers

32

28 


60

- other financial liabilities

33

27,114 


22,596

Fair value changes of the hedged items in portfolio hedge of interest rate risk

341

-

Provisions:



10,051 

11,354


- provisions for liabilities and charges

34

5,193 



6,754

- retirement benefit obligations

35

4,858


4,600

Tax liabilities:

1,603

-

- current tax liabilities



921 

-

- deferred tax liabilities



36

682 


-

Other liabilities

37

4,660 


3,734

Total liabilities

2,035,581 

1,986,798

EQUITY

Share capital

38

22,173


22,173 

Share premium

38

7,499 


7,499 

Accumulated other comprehensive income

39

5,859 


10,451 

Reserves from profit 

40

229,362 


227,654 

Treasury shares

38

(49)


(49)

Retained earnings (including income for the current year)

40

25,238


17,956 

Total equity

290,082

285,684 

Total liabilities and equity 

2,325,663

2,272,482 

(in thousands of euros)



3.  STATEMENT OF FINANCIAL POSITION

 

The accompanying notes on pages 42 to 101 are an integral part of the financial statements.



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BUSINESS REPORT

FINANCIAL REPORT

For the year ended 

31 December 2015

Notes

Share 

capital

Share

premium

Accumulated 

other 

comprehensive 

income

Reserves

from

profit

Retained

earnings

or loss

(including

Income from

the current year)

Treasury

shares

(equity

deduction

item)

Total

equity

OPENING BALANCE FOR 

THE REPORTING PERIOD

22,173

7,499

12,331

226,069

12,305

*

(49)

280,328

Total comprehensive income 

for the year after tax

-

-



(1,880)

-

11,843



-

9,963

Dividends paid      

40

-

-



-

-

(5,304)



-

(5,304)

Transfer of net profit 

to reserves from profit

40

-



-

-

1,585



(1,585)

-

-

Effect due to merger of Finor Leasing

-

-



-

-

697



-

697

CLOSING BALANCE 

22,173

7,499

10,451

227,654

17,956

(49)

285,684

DISTRIBUTABLE PROFIT 

-

-



-

-

11,947



-

11,947

4.  STATEMENT OF CHANGES IN EQUITY 

 

(in thousands of euros)

(in thousands of euros)

*

Retained earnings in the amount of euro 6,009 thousand arose from accounting differences in transition from local accounting standards to IFRS. Under the Management Board’s decision 



this part of retained earnings it is not available for distribution to shareholders.    

The accompanying notes on pages 42 to 101 are an integral part of the financial statements.



For the year ended 

31 December 2016

Notes

Share 

capital

Share

premium

Accumulated 

other 

comprehensive 

income

Reserves

from

profit

Retained

earnings

or loss

(including

Income from

the current year)

Treasury

shares

(equity

deduction

item)

Total

equity

OPENING BALANCE FOR 

THE REPORTING PERIOD

22,173

7,499

10,451

227,654

17,956*

(49)

285,684

Total comprehensive income 

for the year after tax

-

-



(4,592)

-

20,240



-

15,648

Dividends paid      

40

-

-



-

-

(11,250)



-

(11,250)

Transfer of net profit 

to reserves from profit

40

-



-

-

1,708



(1,708)

-

-



CLOSING BALANCE 

22,173

7,499

5,859

229,362

25,238

(49)

290,082

DISTRIBUTABLE PROFIT 

-

-



-

-

19,228



-

19,228

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BUSINESS REPORT

FINANCIAL REPORT

(in thousands of euros)



5.  STATEMENT OF CASH FLOWS 

 

 

Notes



                           As at 31 December

2016

2015

CASH FLOWS FROM OPERATING ACTIVITIES

Total profit or loss before tax

22,959

14,198


Depreciation

13

4,692



5,422

Impairments / (reversal of impairments) of financial assets available-for-sale

15

299


-

Impairments / (reversal of impairments) of loans and receivables

15

20,385


14,892

Impairments of tangible assets, investment property, intangible assets and other assets

       15

1,555


935

Net (gains) / losses from exchange differences 

(209)

7,298


Net (gains) / losses from sale of tangible assets and investment properties

(1,043)


(47)

Other adjustments to total profit or loss before tax

(1,123)

(3,553)


Cash flow from operating activities before changes in operating assets and liabilities

47,515

39,145

(Increases) / decreases in operating assets (excl. cash & cash equivalents)

(157,960)

(7,684)

Net (increase) / decrease in financial assets held for trading

27

19

Net (increase) / decrease in financial assets designated at fair value through profit or loss



86

45

Net (increase) / decrease in financial assets available-for-sale



(27,878)

(33,804)


Net (increase) / decrease in loans and receivables

(124,243)

40,269

Net (increase) / decrease in assets-derivatives - hedge accounting



(937)

(21)


Net (increase) / decrease in other assets

(5,015)


(14,192)

Increases / (decreases) in operating liabilities

47,664

(29,391)

Net increase / (decrease) in financial liabilities held for trading

(1)

(147)


Net increase / (decrease) in deposits and loans measured at amortised cost

45,881


(31,367)

Net increase / (decrease) in liability – derivatives – hedge accounting

1,677

28

Net increase / (decrease) in other liabilities



107

2,095


Cash flow from operating activities

(62,781)

2,070

Income taxes (paid) / refunded

919

(1,502)


Net cash flow from operating activities

(61,862)

568

CASH FLOWS FROM INVESTING ACTIVITIES

Receipts from investing activities

1,434

14

Receipts from the sale of property and equipment and investment properties

1,434

14

Cash payments on investing activities



(900)

(3,906)

Cash payments to acquire tangible assets and investment properties

(552)

(1,293)


Cash payments to acquire intangible assets

(348)


(2,613)

Net cash flow from investing activities

534

(3,892)

 

CASH FLOWS FROM FINANCING ACTIVITIES

Cash proceeds from financing activities

-

-

Cash payments on financing activities

(11,250)

(5,304)

Dividends paid

(11,250)

(5,304)



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