Teksts
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In the 2nd quarter of 2015, the Bank continued the process of
changes. The Bank introduced a new business model, focusing on the
service of personal finances, trade finance and investments. The
process of restructuring was also finalized, drawing a particular
attention to the identification and management of risks. The Bank
created a separate directorate for the purpose of risk management.
On April 22, the Bank changed its corporate style. The colour and
logotype have now become brighter, more up-to-date and open. The
Bank launched its new website, which is technologically more
advanced, informative and easy to use. The website design is
responsive, which means that it is adaptable to mobile devices.
Since one of the key priorities in the Bank's work is to stay
abreast with evolving technologies, using them on a daily basis, in
the 2nd quarter the Bank continued to implement its CRM system and
IP telephony. It is planned to switch to the new telephony in
autumn, 2015. The Bank continued its work on establishing the
TKB Lifestyle website lifestyle.tkb.lv, which was launched
on July 22. On this web-site the holders of Bank's cards can find
exclusive offers and privileges, latest news from Bank's partners
and use the TKB Concierge service.
Compared to the year end of 2014, the Bank's assets in the 2nd
quarter of 2015 have not change significantly, amounting to EUR
593.18 million, which is by EUR 12.07 million more than the final
figure of 2014. Accordingly, by the end of the reporting period,
the amount of attracted deposits was EUR 509.0 million, but the
Bank's loan portfolio reached EUR 96.27 million. The Bank ended
2nd quarter of 2015 at a loss of EUR 1.79 million, which is
basically due to the investments made by the Bank in the business
development and strategy change. Thanks to the prudent dividend
payment policy in the pre-crisis years, now the Bank has at its
disposal the retained earnings of previous periods in the amount of
EUR 13.77 million. The Bank believes that these investments will
underpin the Bank's long-term strategy and development. The
Bank's capital and reserves as at 30 June 2015 amounted to EUR
40.34 million.
The Bank's consolidation group consists of the subsidiary
companies: “TKB Līzings” and its subsidiary “TKB Leasing
Tajikistan”, “TKB LU” and “Project 1”; and also “Heckbert C7
Holdings” and its subsidiary „Ferrous Kereskedelmi KFT”. The amount
of Group’s assets as at the end of the reporting period was EUR
582.80 million, which is by EUR 8.67 million more than the final
figure of 2014. The Group ended the 2nd quarter of 2015 at a loss
of EUR 3.16 million.
This financial report for the 2nd quarter of 2015 has not been
audited and it has been prepared based on unaudited financial
statements for this period.
This financial report was approved by the Board of the Bank on
August 24, 2015 and it is available on the Bank’s website at
www.tkb.eu.
JSC TRASTA KOMERCBANKA is one of the most experienced
commercial banks in Latvia which has been working in the financial
market since 1989. The bank offers a wide range of financial
services for local and international clients. The consolidated
group has also representative offices in Russia, Ukraine, Belarus,
Kazakhstan, Tajikistan, Azerbaijan, Hong Kong and a branch in
Cyprus.
Aiga Aizpuriete
Public Relations Manager
JSC TRASTA KOMERCBANKA
T. +371 67027964; +371 29490982
E-mail: aiga.aizpuriete@tkb.lv www.tkb.eu lifestyle.tkb.lv
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