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Annual Report Bank Austria Creditan
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The Bank Austria Creditanstalt Shar
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Annual Report Bank Austria Creditan
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Highlights 2005 Awards 2005 1 Janua
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A word of thanks to our employees T
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8 Letter from the CEO of the new Un
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4 pages reserved for illustrations
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“As a member of UniCredit Group w
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as an organisational principle has
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We attach great importance to human
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International Markets Willi Hemetsb
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Growth in Austria slightly above EU
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� Net income up by 60 %. 21% incr
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The “sustainable” income compon
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Net trading result € m 2005 2004
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higher revenue without significant
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In 2005 our multi-year Fit for Sale
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from classic on-balance sheet produ
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Net fee and commission income in CE
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employees’ qualification levels a
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Outlook Global economic environment
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Outlook for Bank Austria Creditanst
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Other shareholders 0.2% Austria 0.9
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IPO targets met ahead of time Finan
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- Page 56 and 57: Lowering the proportion of lending
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- Page 62 and 63: Cards for young people Security - a
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- Page 68 and 69: International Markets (INM) The Int
- Page 70 and 71: Record year on the Vienna Stock Exc
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- Page 75 and 76: “The upswing experienced by the C
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- Page 81 and 82: Slovakia - HVB Bank Slovakia € m
- Page 83 and 84: Outlook With the planned expansion
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- Page 87 and 88: Following the big success of the pr
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- Page 91 and 92: “As a bank with growing business
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- Page 95 and 96: “The higher the level of standard
- Page 97 and 98: Basel II The roll-out of the module
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- Page 105 and 106: (34) Subordinated assets 147 (35) A
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- Page 109 and 110: Cash flow statement of the Bank Aus
- Page 111 and 112: In Croatia, where UniCredit holds a
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- Page 119 and 120: Measurement principles - disposal g
- Page 121 and 122: Net fee and commission income Net t
- Page 123 and 124: (4) Net interest income (5) Losses
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- Page 129 and 130: (17) Investments Loan loss provisio
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- Page 133 and 134: Amounts owed to banks - breakdown b
- Page 135 and 136: Movements in provisions for restruc
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- Page 145 and 146: (39) List of selected subsidiaries
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- Page 149 and 150: In addition to the risk model resul
- Page 151 and 152: Trader Reports: selected QQ plots C
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Latin America CEE incl. Turkey Asia
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Change in value Model result Market
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Preliminary consultations with Aust
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Active Credit Portfolio Management
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(42e) Net charge for losses on loan
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interest-rate and currency position
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(46) Legal basis of the consolidate
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Concluding Remarks of the Managing
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Our audit did not give rise to any
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Financial statements/consolidated f
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The credit committee of the Supervi
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Managing Board Chairman Erich Hampe
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Balance sheet of the Bank Austria C
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Slovenia Croatia Romania 1) Bulgari
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Slovenia Croatia Romania 1) Bulgari
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Benchmarking Book value per share B
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Goodwill Hedging Integrated Corpora
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Spot transaction Spread Swap Syndic
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Selected subsidiaries and equity in
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Republic of Macedonia Skopje Repres
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London Brussels Luxembourg Paris Mu