CREDIT REPORT - boniteti.bisnode.rs · blocks published 3/12/2015 chapter 4 nova banka ad intesa...

Published 3/12/2015

Issued for:

CREDIT REPORT

© Bisnode BH d.o.o., all rights reseved Tel: +387 (0)33 215 454, E-mail: [email protected], www.boniteti.com

Credit reportPublished 3/12/2015

PROFILE Chapter 1

Company:Address:Activity: B 05.20 MINING OF LIGNITEVAT No.: Company size: Big

OWNERS AND BRANCHES Chapter 2

Owners: no data Branches: 0Last year

BLOCKS Chapter 4

Current Number of Blocks: Blocks:11 / 13 bank accounts 365 / 365 days

Last year

Last checked:

CREDIT APPRAISAL Chapter 3

SEMAPHORERed light – in Boniteti.com database are includedcritical events that have influence on companycurrent business

RESULTS OF OPERATIONS Chapter 5

Categories 2011 2012 2013

Total assets 367,269,510 470,214,681 441,542,703

Equity and reserves 75,795,127 65,577,376 41,858,448

Total revenue 144,430,445 130,490,193 116,856,382

Total net other comprehensive income for the perio... 0 0 0

Average number of employees based on hours worked 0.00 3,585.00 3,387.00

Debt to assets 0.69 0.72 0.78

Current ratio 0.14 0.12 0.10

Net return on assets (ROA) 0.00 0.00 0.00

Return on equity (ROE) 0.00 0.00 0.00Data are shown in 1 BAM.

1© Bisnode BH d.o.o., all rights reseved Tel: +387 (0)33 215 454, E-mail: [email protected], www.boniteti.com

ProfilePublished 3/12/2015

Chapter 1

PROFILELong name:

Legal form: DRUŠTVO SA OGRANIČENOMODGOVORNOŠĆU

B 05.20 MINING OF LIGNITEActivity:

Founded: 2001

Company size: Big

Company Register: Općinski (registarski) sud u Tuzli

Region: Tuzlanski kanton

VAT Payer: NO

(Director)

MANAGEMENT Shown 1 of 1

Name

BANK ACCOUNTSUNION BANKA DD SARAJEVO

NLB BANKA D.D., TUZLA


INTESA SANPAOLO BANKA BO...

TURKISH ZIRAAT BANK BOSN...

SPARKASSE BANK DD

HYPO ALPE-ADRIA-BANK D.D...

HYPO ALPE-ADRIA-BANK D.D...

UNICREDIT BANK D D

UNICREDIT BANK D D

UNICREDIT BANK AD BANJA ...

NOVA BANKA AD

POSTBANK BH


Owners and branchesPublished 3/12/2015

Chapter 2

OWNERS Shown 0 of 0

There are no data for selected subject.

BRANCHES/DIVISIONS Shown 0 of 0

There are no data for selected subject.


Credit appraisalPublished 3/12/2015

Chapter 3

CREDIT APPRAISAL HISTORY2011 2012

FINANCIAL APPRAISAL

The company operates belowaverage and has increased probabilityof failure in the future. The companymay have liquidity problems and atthe sam time has below-averageprofitability.

Liquidity Careful

Name Value Trend DescriptionDebt to asset ratio 0.78 CarefulPayment capability 0.00 Caution

Cash flow to total costs 0.00 CautionCredit exposure from operations 0.03 Excellent

Efficiency Careful

Name Value Trend DescriptionReturn on assets 0.00 Caution

Assets turnover on total income 0.49 Average

DYNAMIC RATING

Subject's location has lower than average risk. Subject isactive for at least 7 years and has more than 4 bankaccounts. Last bank account blockade was more than 180days long. Subject's financial data is indicating goodfinancial health.

IndicatorsName Value Indicator

Activity 3Location 4

Profile 1Trials N/A

Blocks 2Payment index N/A

Financial data 4


BlocksPublished 3/12/2015

Chapter 4

NOVA BANKA AD

INTESA SANPAOLO BANKA BOSNA I HERCEGOVINA


TURKISH ZIRAAT BANK BOSNIA DD - SARAJEVO


HYPO ALPE-ADRIA-BANK D.D. MOSTAR

UNICREDIT BANK AD BANJA LUKA

UNICREDIT BANK D D

UNION BANKA DD SARAJEVO

HYPO ALPE-ADRIA-BANK D.D. MOSTAR

SPARKASSE BANK DD

NOVA BANKA AD

UNICREDIT BANK D D

UNICREDIT BANK D D

UNICREDIT BANK D D

UNICREDIT BANK D D

UNICREDIT BANK D D

UNICREDIT BANK D D

UNICREDIT BANK D D

UNICREDIT BANK D D

LAST BLOCKADES Shown 20 of 45

Bank Account From To No. of Days

3/9/2015 310/3/2014 1607/8/2014 247

3/21/2014 3569/25/2013 5335/29/2013 6521/31/2013 770

11/27/2012 8357/31/2012 9546/4/2012 1,011

12/26/2011 1,1723/2/2015 3/5/2015 3

2/20/2015 3/6/2015 142/13/2015 2/16/2015 31/27/2015 2/10/2015 141/22/2015 1/26/2015 41/16/2015 1/20/2015 4

12/23/2014 12/25/2014 212/16/2014 12/17/2014 111/26/2014 12/9/2014 13

BLOCKADES LAST YEAR Last checked:

365 / 365 daysBlockades last year.


Financial dataPublished 3/12/2015

Chapter 5

BALANCE SHEET - CHART

PROFIT AND LOSS ACCOUNT - CHART

Assets 2013

Fix. Assets92.60 %

Cur. Assets7.39 %

Accr. Income0.01 %

Liabilities 2013

LT Liab.6.70 %

Cur. Liab.71.67 %

Provisions0.17 %

Equity17.63 %

Def. Payment3.84 %

Revenus 2013

Oper. Income95.04 %

Fin. Income2.58 %

Oth. Income1.19 %

Oth. Income1.19 %

Expenses 2013

Oper. Expen.97.11 %

Fin. Expen.1.50 %

Oth. Expen.0.69 %

Oth. Expen.0.69 %



Chapter 5

BALANCE SHEETCategories 2011 2012 2013 Growth Abs. (Rel.)

239,943,527 230,370,869 219,911,080 -10,459,789 (-5%)18,875 165,820 186,976 21,156 (13%)

239,436,899 229,739,907 219,277,764 -10,462,143 (-5%)180,027 173,963 167,900 -6,063 (-3%)51,134 21,574 39,009 17,435 (81%)

0 0 0 0142,453 128,404 136,036 7,632 (6%)114,139 112,365 103,395 -8,970 (-8%)

0 28,836 0 -28,836 (-100%)0 0 0 0

21,005,766 19,517,901 17,556,284 -1,961,617 (-10%)11,715,946 12,580,707 12,972,770 392,063 (3%)9,289,820 6,937,194 4,583,514 -2,353,680 (-34%)

0 0 0 00 0 0 0

367,269,510 470,214,681 441,542,703 -28,671,978 (-6%)260,949,293 249,888,770 237,467,364 -12,421,406 (-5%)106,320,217 220,325,911 204,075,339 -16,250,572 (-7%)75,795,127 65,577,376 41,858,448 -23,718,928 (-36%)197,438,606 214,723,623 230,015,249 15,291,626 (7%)

0 0 0 00 0 0 00 0 0 00 0 0 00 0 0 00 0 0 00 0 0 0

121,643,479 149,146,247 188,156,801 39,010,554 (26%)0 0 0 0

427,110 413,483 399,855 -13,628 (-3%)184,727,056 183,897,911 195,209,061 11,311,150 (6%)

30,165,440 23,461,218 15,917,892 -7,543,326 (-32%)0 0 0 0

150,277,976 156,491,537 170,181,448 13,689,911 (9%)4,283,640 3,945,156 9,109,721 5,164,565 (131%)

0 0 0 0260,949,293 249,888,770 237,467,364 -12,421,406 (-5%)106,320,217 220,325,911 204,075,339 -16,250,572 (-7%)367,269,510 470,214,681 441,542,703 -28,671,978 (-6%)

* Data are shown in 1 BAM.

Fixed assets and long-term pla...Intangible assetsTangible fixed assetsInvestment propertiesBiological assetsOther tangible fixed assetsNon-Current financial assetsLong-term receivablesLong-term accruals

Deferred tax assetsShort-term assets

InventoriesCurrent receivables

Deferred tax assetsLoss above capitalTotal assets

AssetsOff-balance sheet balance

Equity and reservesCore capitalCalled-up capitalShare premiumReservesRevaluation reservesUnrealized gainUnrealized lossUndistributed profitLoss up to the amount of capitalShare purchase

Long-term provisionsLiabilities

Long-term liabilitiesDeferred tax liabilityShort-term liabilitiesAccrualsDeferred tax liability

Business liabilitiesOff-balance sheet liabilitiesTotal equity and liabilities



Chapter 5

PROFIT AND LOSS ACCOUNTCategories 2011 2012 2013 Growth Abs. (Rel.)

143,029,289 128,191,038 111,652,689 -16,538,349 (-13%)0 0 0 0

134,727,450 124,356,083 107,899,308 -16,456,775 (-13%)0 0 0 00 0 0 0

N/A N/A N/A N/AN/A N/A N/A N/A

50,266 76,887 226,348 149,461 (194%)157,195,445 154,361,053 151,565,581 -2,795,472 (-2%)

2,889,284 2,092,281 649,369 -1,442,912 (-69%)26,112,638 23,122,360 21,319,116 -1,803,244 (-8%)96,766,462 95,347,501 91,688,167 -3,659,334 (-4%)

7,113,889 10,208,139 7,046,022 -3,162,117 (-31%)18,510,098 18,128,827 18,377,346 248,519 (1%)

518,791 0 6,405,374 6,405,3745,284,283 5,461,945 6,080,187 618,242 (11%)

N/A N/A N/A N/AN/A N/A N/A N/A

0 0 0 014,166,156 26,170,015 39,912,892 13,742,877 (53%)

53,822 1,761,190 3,032,692 1,271,502 (72%)0 0 0 0

2,868 5,866 223,223 217,357 (3,705%)9,444 1,697,237 2,772,125 1,074,888 (63%)

0 0 0 00 0 0 0

41,510 58,087 37,344 -20,743 (-36%)2,818,945 1,749,866 2,341,662 591,796 (34%)

0 0 0 01,724,243 1,745,014 2,341,640 596,626 (34%)1,091,543 1,543 22 -1,521 (-99%)

0 0 0 03,159 3,309 0 -3,309 (-100%)

0 0 0 016,931,279 26,158,691 39,221,862 13,063,171 (50%)

1,213,083 442,160 1,398,383 956,223 (216%)1,549,239 1,356,701 1,081,893 -274,808 (-20%)

0 0 316,490 316,490336,156 914,541 0 -914,541 (-100%)

0 0 0 022,833 0 0 0

134,251 95,805 772,618 676,813 (706%)316,959 532,496 902,947 370,451 (70%)

0 0 0 00 0 0 00 0 0 0

144,430,445 130,490,193 116,856,382 -13,633,811 (-10%)161,903,421 158,000,116 155,892,083 -2,108,033 (-1%)

0 0 0 017,472,976 27,509,923 39,035,701 11,525,778 (42%)

0 0 0 00 0 0 00 0 0 00 0 0 00 0 0 00 0 0 0

17,472,976 27,509,923 39,035,701 11,525,778 (42%)


Operating incomeSales of goodsIncome from sale ofThe increase in inventories of...Decrease in inventories of eff...Increase in value of investmen...Reduction in value of investme...Other operating income

Operating expensesCost of goods soldMaterial costSalaries and other employee be...Cost of production servicesAmortizationCost of provisionIntangible costsIncome tax expenseContributions

Profit from operating activitiesLoss from operationsFinancial income

Finance income from associated...Interest incomeForeign exchange gainsIncome from currency clauseIncome from participation in t...Other finance income

Finance expensesFinancial income from related ...Interest expenseForeign exchange differencesLosses from foreign currency b...Other finance expense

Profit ordinary activitiesLoss of regular activitiesOther income and gains, except...Other expenses and losses, unl...Profit from other income and e...The loss from other income and...Revenue from the base alignmen...Expenses from revaluation of a...Revenue from base changes in a...Losses from changes in the bas...Profit from continuing operati...Tax expense periodNet profit from continuing ope...Total revenueTotal expendituresNet profit for the periodNet loss for the periodOther comprehensive income bef...Other comprehensive loss befor...Accrued Deferred Income Tax on...Net other comprehensive incomeNet other comprehensive lossTotal net other comprehensive ...Total net other comprehensive ...

.



Chapter 5

INDICATORSCategories 2011 2012 2013 Growth Abs. (Rel.)

0 3,585 3,387 -198 (-6%)

0.92 0.92 0.93 0.00 (0%)0.08 0.08 0.07 0.00 (-5%)0.00 0.00 0.00 0.00 (0%)

0.29 0.26 0.18 -0.09 (-33%)0.69 0.72 0.78 0.06 (9%)0.32 0.28 0.19 -0.09 (-33%)2.44 2.80 4.66 1.86 (66%)

0.14 0.12 0.10 -0.02 (-17%)0.06 0.04 0.03 -0.02 (-39%)0.00 0.00 0.00 0.000.06 0.05 0.03 -0.02 (-36%)

0.60 0.57 0.53 -0.04 (-6%)0.55 0.52 0.49 -0.03 (-6%)6.88 6.69 6.66 -0.03 (0%)

12.33 10.37 9.01 -1.36 (-13%)15.55 18.81 25.49 6.68 (36%)0.38 0.31 0.26 -0.06 (-18%)

29.61 35.19 40.52 5.33 (15%)23.48 19.40 14.32 -5.09 (-26%)53.09 54.59 54.84 0.24 (0%)

0.89 0.83 0.75 -0.08 (-9%)0.91 0.83 0.74 -0.09 (-11%)0.00 0.00 0.00 0.000.55 0.52 0.49 -0.03 (-6%)0.00 0.00 0.00 0.000.00 0.00 0.00 0.00

-0.10 -0.20 -0.36 -0.15 (-75%)0.00 0.00 0.00 0.000.00 0.00 0.00 0.00N/A 28,733.77 31,667.45 2,933.68 (10%)

-0.05 -0.10 -0.17 -0.06 (-60%)

18,510,098.00 18,128,827.00 18,377,346.00 248,519.00 (1%)-129,272,210.00 -136,973,636.00 -152,625,164.00 -15,651,528.00 (-11%)


Average number of employees ba...THE ASSET STRUCTURE RATIOS

Tangible and intangible assets...Current assets to total assetsFinancial investments to total...

FINANCIAL LEVERAGE RATIOSShareholders' funds to assetsDebt to assetsShareholders' funds to long-te...Financial leverage

LIQUIDITY RATIOSCurrent ratioQuick ratioCash flow to total costsCredit exposure from operations

ASSET TURNOVER RATIOSFixed assets turnover ratioTotal assets turnover ratioCurrent assets turnoverInventory turnover 1Debtors turnoverAsset turnover on total income

ASSET TURNOVER RATIOS (DAYS)Inventory conversion period 1Days sales outstandingPayables deferral period

RATIOS OF EFFICIENCY, PROFITAB...Total revenues to total expensesOperating revenues to operatin...Net profit marginAsset utilization ratioNet return on assets (ROA)Return on equity (ROE)Operating marginPre-tax profit marginNet profit margin on salesValue added per employeeOperating return on assets

CASH-FLOWOperating cash flowNet operating working capital


CREDIT REPORT - boniteti.bisnode.rs · blocks published 3/12/2015 chapter 4 nova banka ad intesa...

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