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contents
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15
- Distinciile Bncii
21
Evoluia bncii
25
Bank development
Strategia Bncii
31
Bank Strategy
Personalul Bncii
33
Bank Staff
41
Activitatea de Creditare
43
Crediting Activity
Cardurile Bancare
49
Bank Cards
Operaiuni valutare
55
Currency Transactions
65
69
73
79
Reeaua Victoriabank
81
Victoriabank network
MESAjuL PREEDInTELuI,
COnSILIuLuI DE ADMInISTRAIE,
MESSAgE fROM THE CHAIRMAn
Of THE BOARD Of DIRECTORS
Victor urcan,
Preedintele Consiliului de Administraie al BC Victoriabank S.A.
Chairman of the Board of Directors CB Victoriabank JSC
MESAjuL PREEDInTELuI
BC VICTORIABAnk S.A.
MESSAgE fROM THE PRESIDEnT
Of THE BAnk
natalia Politov-Canga,
Preedinte al BC Victoriabank S.A.
President of CB Victoriabank JSC
COnSILIuL,
COMITETuL DE DIRECIE I
ACIOnARII BnCII
THE BOARD Of DIRECTORS
THE MAnAgEMEnT COMMITEE AnD
THE SHAREHOLDERS Of THE BAnk
Victor URCAN
Preedinte al Consiliului de Administraie,
Victor URCAN
Chairman of the Board of Directors
Vaja JHASHI
Prim-vicepreedinte al Consiliului de Administraie
Vaja JHASHI
First Vice-Chairman of the Board of Directors
Tamara Andruca
Vicepreedinte al Consiliului de Administraie
Tamara Andruca
Vice-Chairman of the Board of Directors
Serghei PUCUA
Membru al Consiliului de Administraie
Serghei PUCUA
Member of the Board of Directors
Cezara Salinski
Membru al Consiliului de Administraie
Cezara SALINSKI
Member of the Board of Directors
Eugeniu Baleca
Membru al Consiliului de Administraie
Eugeniu BALECA
Member of the Board of Directors
Iurie Carp
Membru al Consiliului de Administraie
Iurie CARP
Member of the Board of Directors
natalia POLITOV-CAngA
Preedinte al Comitetului de Direcie
President of the Management Commitee
Corneliu gHIMPu
Prim-vicepreedinte al Comitetului de Direcie
First Vice-President of the Management Commitee
Ludmila VAngHELI
Vicepreedinte al Comitetului de Direcie
Vice-President of the Management Commitee
MAnAgEMEnTuL BnCII
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Valorile corporative
Banca ader la cele mai nalte standarde etice, prin
adoptarea unui Cod de Conduit, conceput pentru a promova
un comportament onest i responsabil al angajailor, care
transform principiile etice n norme de conduit pentru tot
personalul.
Corporate values
The Bank adheres to the highest ethical standards, by adopting
a Behavior Code, created to promote an honest and responsible
behavior of employees, which transforms the ethical principles
in behavior standards for all the staff.
competence - high qualification of the superior
management, vector of transmission of the Banks values;
originality - the bank aims at being unique compared
to other banks;
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Mercuriul de Aur
la categoria favoritul anului,
Marca comercial a anului 2011
bilan i profitabilitate.
The balance of loans provided by the banks grew by 16,9%, up to MDL 29,813 million, reaching 62,5% of Assets.
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EVOLuIA BnCII,
BAnk DEVELOPMEnT
Evoluia bncii
De 22 de ani de cnd activeaz pe piaa din Republica Moldova,
Victoriabank nregistreaz noi performane i succese considerabile,
care o plaseaz n locuri de frunte n topul bncilor comerciale din ar.
Performanele Victoriabank se datoreaz n special necesitilor diferite
ale clienilor si, dar i concurenei puternice din sistemul financiarbancar naional, care determin Victoriabank s evolueze continuu,
punnd un accent deosebit pe implementarea celor mai noi tehnologii
i strategii bancare.
Acest an a fost unul deosebit de rodnic pentru Victoriabank.
Victoriabank a fost desemnat ca fiind una dintre cele mai bune bnci
din Republica Moldova, merit confirmat prin numeroase distincii. A
reuit s se evidenieze pe piaa internaional, fiindu-i oferit titlul de
Banca Anului din Republica Moldova de ctre prestigioasa revist
britanic The Banker. Victoriabank a ctigat Mercuriul de Aur pentru
profesionalismul demonstrat n cadrul concursului naional Marca
Comercial a Anului 2011.
Rezultatele obinute de Victoriabank n anul 2011 demonstreaz
calitatea strategiei de dezvoltare a Victoriabank, care a nregistrat o
cretere a cotei pe pia de 0.24%, i a veniturilor de 18%. Totodat, n
2011 banca a nregistrat i o cretere de peste 18 mii a numrului de
clieni.
Victoriabank continu s fie apreciat pentru:
Implementarea celor mai noi tehnologii bancare ce asigur
deservirea clienilor la cel mai nalt nivel;
Abordarea individual a fiecrui client;
Portofoliul divers de produse i servicii bancare;
Numrul mare de puncte de deservire pe tot teritoriul
Republicii;
Renumele i imaginea brandului att n Moldova, ct i peste
hotarele ei.
Pentru Victoriabank, este o condiie esenial ca produsele i
serviciile sale s fie prezentate i promovate cu succes, ntruct acestea
contribuie cel mai mult la creterea activelor, a profitabilitii i a
ncrederii clienilor n Banc. Anume acest vot de ncredere, acordat
de clienii i partenerii si, a determinat meninerea i consolidarea
Victoriabank ca frunta al sistemului financiar-bancar din Moldova,
performan nregistrat datorit majorrii cotei de pia la principalii
indicatori de activitate bancar.
Astfel, la situaia din 31.12.2011, Victoriabank avea n gestiunea sa:
16.9% din activele sistemului bancar,
20.8% din depozitele atrase n sistemul bancar,
20.0% din depozitele persoanelor fizice plasate n instituiile
bancare din Moldova,
16.1% din portofoliul de credite deinut de sistemul bancar
din Republica Moldova.
26
Bank Development
For 22 years of its activity on the market of the Republic of Moldova,
Victoriabank had registered new accomplishments and great success,
placing itself on top positions among the commercial banks of the
country. Victoriabank achievements are mainly the result of the
various needs of its customers, but also of a strong competition within
the national financial-banking system, which pushes Victoriabank to a
constant evolution, paying special attention to the implementation of
the most modern banking technologies and strategies.
This year was particularly fruitful for Victoriabank. The bank became
one of the best banks in the Republic of Moldova, getting numerous
awards. We succeeded in being very visible on the international market,
getting the being nominated as The Bank of the Year in the Republic
of Moldova by the prestigious British magazine The Banker. We got
the Golden Mercury for our professionalism within the national contest
The Trademark of the Year 2011.
The results obtained by Victoriabank in 2011 demonstrate the quality
of the development strategy of the Bank that conditioned an increase of
the market share by 0.24%, and increase of income by 18%. At the same
time, in 2011 the number of Banks customers increased by more than
18 thousand.
Victoriabank is being continuously appreciated for:
Implementing the newest banking technologies that assure the
highest level of customer service;
Individual approach to each customer;
Rich portfolio of banking products and services;
Large network of representing offices across the Republic;
The well-known name and the image of the brand in Moldova
and also abroad.
It is a vital concern for Victoriabank that its products and services
to be successfully presented and promoted, as they mostly contribute
to the assets growth, profitability and clients confidence. Due to the
trust of customers and partners, Victoriabank managed to maintain and
consolidate a leading position within the financial-banking system of
Moldova, increasing the market share on key indicators of the banking
activity.
Thus, as of December 31, 2011, Victoriabank had under its
administration:
16.9% of banking system assets,
20.8% of deposits attracted in the banking system,
20.0% of retail deposits (deposits of individuals) placed in the
banking institutions of Moldova,
16.1% of the loan portfolio held by the banking system of the
Republic of Moldova.
Evoluia bncii
Bank Development
The loan portfolio at the end of the reported period amounted MDL
4,789 million, or 59.4 % of the total assets, registering an increase by
18.9% compared to the amount at the beginning of the year. Thus, a
moderate credit risk was maintained.
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Evoluia bncii
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Bank Development
Evoluia bncii
Bank Development
29
EVOLuIA BnCII
BAnk DEVELOPMEnT
30
STRATEgIA BnCII
BAnk STRATEgy
32
PERSOnALuL BnCII
BAnkS STAff
Personalul Bncii
Banks Staff
34
Personalul Bncii
Banks Staff
35
Personalul Bncii
36
Banks Staff
Personalul Bncii
Banks Staff
Personalul Bncii
Dintre acetia:
1,657 salariai - au realizat formare profesional continu,
prin completarea cunotinelor profesionale i aprofundarea
cunotinelor ntr-un anumit domeniu al specialitii de baz
sau prin deprinderea unor metode sau procedee noi aplicate n
cadrul specialitii respective
340 salariai noi angajai - au fost pregtii i au urmat
instruirea profesional continu iniial, n vederea pregtirii
profesionale i n scopul optimizrii activitii bncii.
Banks Staff
Personalul Bncii
Banks Staff
PERSOnALuL BnCII
BAnkS STAff
DESERVIREA CLIEnTELEI I
ATRAgEREA DEPOzITELOR
CuSTOMER SERVICE
AnD DEPOSITS ATTRACTIOn
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ACTIVITATEA DE CREDITARE
CREDITIng ACTIVITy
Activitatea de creditare
CREDIT ACTIVITY
Increase of the total credit market share within
the group of the biggest banks and of the number of corporate
and individual customers who benefit from the banks lending
services;
Improvement of quality and increase of the loan
portfolio profitability by assuring an efficient lending process
and maintaining the limits of the financial indicators set by the
NBM and other financial institutions.
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Activitatea de creditare
CREDIT ACTIVITY
45
Activitatea de creditare
46
CREDIT ACTIVITY
Activitatea de creditare
CREDIT ACTIVITY
ACTIVITATEA DE CREDITARE
CREDIT ACTIVITy
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CARDuRILE BAnCARE
BAnk CARDS
The year 2011 was foreseen not only to maintain the positive
dynamics reached during several years, but also to launch new
technologies, concepts and standards within the used working
system, in order to develop its possibilities and increase the
level of customer service. The main goal of the efforts applied is
oriented towards more efficient approach to the clients needs.
Thus, passing to a new level of customer service and a new
concept of product management an important infrastructure
was developed unification of information evidence hierarchies
afferent to bank accounts and cards within the Way4 system.
As a result, 45,262 cards were issued during 2011, at the end
of the analyzed period the number of active cards represents
119.267 units, by 15,52% more than at the end of the previous
year.
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OPERAIunI VALuTARE,
CuRREnCy TRAnSACTIOnS
Operaiuni valutare
CURRENCY TRANSACTIONS
56
Operaiuni valutare
CURRENCY TRANSACTIONS
57
Operaiuni valutare
CURRENCY TRANSACTIONS
58
Operaiuni valutare
Conversii valutare
CURRENCY TRANSACTIONS
Currency Conversions
59
Operaiuni valutare
CURRENCY TRANSACTIONS
Operaiuni valutare
CURRENCY TRANSACTIONS
Operaiuni valutare
Transferuri internaionale
CURRENCY TRANSACTIONS
International Transfers
Operaiuni valutare
Transferuri rapide.
Pe parcursul anului 2011, Banca a continuat colaborarea
cu sistemele internaionale de pli, implementnd noi sisteme
cu renume internaional ce dein ntietate n acest sector. Ca
urmare a faptului c o parte semnificativ a PIB se bazeaz pe
remitene, transferurile prin sistemele internaionale de pli
sunt foarte populare.
CURRENCY TRANSACTIONS
Rapid Transfers
During 2011, the Bank continued its cooperation with the
international payment systems, implementing new systems of
international reputation that prevail in this area. Due to the fact
that a significant proportion of GDP is based on the remittances,
the transfers via the international payment systems are very
popular.
OPERAIunI VALuTARE
CuRREnCy TRAnSACTIOnS
Operaiuni Documentare
Venitul generat din operaiuni documentare a nsumat
240,468 MDL din care 69% constituie venitul din operaiunile cu
acreditive, 18% venitul din operaiunile cu garanii i respectiv
13% ce constituie venitul din operaiunile cu incasso-urile
documentare. n situaiile curente de pia tot mai muli clieni
opteaz pentru aceste instrumente n cadrul importurilor i
exporturilor de mrfuri.
Operaiuni cu cecuri
Venitul din operaiuni cu cecurile n anul 2011 a atins 227
mii lei.
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Documentary Operations
The revenue generated from the documentary operations
totaled MDL 240,468, out of which 69% constituted the income
from operations with letters of credit, 18% % income from the
operations with letters of guarantee and 13% representing the
income from operations with documentary collections In the
current market situations, more and more customers opt for
these instruments within imports and exports of goods.
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25,474.7 thousand.
lei.
date. Since May 20, 2011 the share capital of the Bank totals MDL
n conformitate cu decizia AGA a fost efectuat calculul
250,000,910.
was made. The amount to be paid after paying the income tax
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RAPORTuL AuDITORuLuI
InDEPEnDEnT
InDEPEnDEnT AuDITORS REPORT
Ctre Acionarii
BC Victoriabank S.A.
To the Shareholderds of
CB VictoriabankJSC
Financial Statement
70
Victor Cojuhari
not designed to those who are not aware about of any noncompliance with the SIRF.
8. This report is made solely to the Banks shareholders, as
a body. Our audit work has been undertaken so that we might
state to the Banks shareholders those matters we are required to
state to them in an auditors report, and for no other purpose. To
the fullest extent permitted by law, we do not accept or assume
responsibility to anyone other than the Banks shareholders as a
body, for our audit work, for the report on financial statement,
or for the opinion we have formed.
Licenced Auditor
Auditor liceniat
Chiinu, Republica Moldova
20 martie 2012
72
Victor Cojuhari
BILAnuL COnTABIL I
REzuLTATELE fInAnCIARE
BALAnCE SHEET AnD REPORT On
InTEREST AnD LOSSES
BILANUL CONTABIL
74
Balance Sheet
BILANUL CONTABIL
Balance Sheet
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76
77
78
80
REEAuA VICTORIABAnk,
VICTORIABAnk nETwORk
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84
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Note
Notes
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Note
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Notes