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INVESTKREDIT GROUP 1)
in EUR m 2002 2003 2004
Change
2004
Net interest income 104.9 118.0 158.7 +34%
Pre-tax profit for the year 56.3 72.2 98.8 +37%
After-tax profit for the year 46.8 60.0 83.6 +39%
Total assets 13,479 16,475 21,446 +30%
Financing 2) 10,626 12,434 15,603 +25%
Core capital pursuant to the Austrian Banking Act 428 535 576 +8%
Core capital ratio 7.7% 7.9% 6.8%
Own funds pursuant to the Austrian Banking Act 710 799 904 +13%
Total capital ratio 12.8% 11.8% 10.7%
Number of employees (year-end) 372 415 503 +21%
INVESTKREDIT SHARES
Change
2002 2003 2004 2004
Earnings per share (in EUR) 5.06 6.45 8.55 +33%
Dividend per share (in EUR) 1.00 2.00 2.00 3)
Year-end price (in EUR) 41.25 51.40 129.54 +152%
High (in EUR) 43.65 51.40 129.54
Low (in EUR) 36.40 41.20 50.25
Market capitalisation (in EUR m) 261.2 325.4 820.4 +152%
Price-earnings ratio 8.2 8.0 15.2
RATINGS
KEY FIGURES AT A GLANCE 1)
long-term short-term
Investkredit Bank AG Moody’s Investors Service A2 P-1
Kommunalkredit Austria AG Fitch Ratings AA- F1+
Moody’s Investors Service Aa3 P-1
1) There is an 10-year overview of the key figures inside the cover.
2) Loans and advances, provisions for guarantees, trust loans, as well as bonds and other fixed-income securities
(except those issued by states and banks)
3) Proposal to the Annual General Meeting (4 May 2005)
Take advantage of the additional opportunities offered by the online version of this annual report. These
tables and others in the form of Excel files are available for downloading at www.investkredit.at/ar.