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€ m 2005 2004 Bonds and other fixed-income securities 9,403 9,462 Money market paper 77 118 Debt securities 9,325 9,344 issued by public borrowers 1,056 1,788 issued by other borrowers 8,270 7,556 Shares and other variable-yield securities 1,034 669 Shares 371 237 Investment certificates 660 54 Other 3 378 Positive market values of derivative financial instruments 7,223 8,421 Other trading assets 5 22 TRADING ASSETS 17,665 18,575 Loans and advances to, and placements with, banks – breakdown by product € m 2005 2004 Loans and advances 6,560 8,243 Money market placements 19,824 15,753 LOANS AND ADVANCES TO, AND PLACEMENTS WITH, BANKS 26,384 23,995 Loans and advances to, and placements with, banks – breakdown by region € m 2005 2004 Austria 5,290 3,413 Abroad 21,094 20,582 Central and Eastern Europe 3,685 7,703 Other foreign countries 17,409 12,879 LOANS AND ADVANCES TO, AND PLACEMENTS WITH, BANKS 26,384 23,995 Loans and advances to, and placements with, banks – breakdown by maturity € m 2005 2004 Repayable on demand With a remaining maturity of 2,660 1,819 up to 3 months 14,441 13,232 over 3 months up to 1 year 5,314 4,040 over 1 year up to 5 years 2,329 868 over 5 years 1,641 4,036 LOANS AND ADVANCES TO, AND PLACEMENTS WITH, BANKS 26,384 23,995 130 Notes to the balance sheet (14) Trading assets (15) Loans and advances to banks and customers
Loans and advances to customers – breakdown by product € m 2005 2004 Loans to local authorities 3,482 3,893 Real estate finance 9,809 8,265 Current account credits 17,067 11,696 Loans 44,173 46,512 Money market placements 504 808 Other loans and advances 5,434 4,855 Finance lease receivables 5,934 5,231 LOANS AND ADVANCES TO CUSTOMERS 86,404 81,260 Loans and advances to customers – breakdown by region € m 2005 2004 Austria 52,207 51,116 Abroad 34,197 30,144 Central and Eastern Europe 25,929 22,548 Other foreign countries 8,268 7,596 LOANS AND ADVANCES TO CUSTOMERS 86,404 81,260 Loans and advances to customers – breakdown by maturity € m 2005 2004 Repayable on demand With a remaining maturity of 6,414 8,379 up to 3 months 11,623 8,742 over 3 months up to 1 year 5,862 5,586 over 1 year up to 5 years 18,400 18,351 over 5 years 44,105 40,201 LOANS AND ADVANCES TO CUSTOMERS 86,404 81,260 Notes to the balance sheet 131
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Annual Report Bank Austria Creditan
Page 3 and 4:
The Bank Austria Creditanstalt Shar
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Annual Report Bank Austria Creditan
Page 8 and 9:
Highlights 2005 Awards 2005 1 Janua
Page 10 and 11:
A word of thanks to our employees T
Page 12 and 13:
8 Letter from the CEO of the new Un
Page 14:
4 pages reserved for illustrations
Page 17 and 18:
“As a member of UniCredit Group w
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as an organisational principle has
Page 21 and 22:
We attach great importance to human
Page 23 and 24:
International Markets Willi Hemetsb
Page 25 and 26:
Growth in Austria slightly above EU
Page 27 and 28:
� Net income up by 60 %. 21% incr
Page 29 and 30:
The “sustainable” income compon
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Net trading result € m 2005 2004
Page 33 and 34:
higher revenue without significant
Page 35 and 36:
In 2005 our multi-year Fit for Sale
Page 37 and 38:
from classic on-balance sheet produ
Page 39 and 40:
Net fee and commission income in CE
Page 41 and 42:
employees’ qualification levels a
Page 43 and 44:
Outlook Global economic environment
Page 45 and 46:
Outlook for Bank Austria Creditanst
Page 47 and 48:
Other shareholders 0.2% Austria 0.9
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IPO targets met ahead of time Finan
Page 52 and 53:
Austrian Customer Business Bank Aus
Page 54 and 55:
Linking sales channels � Mix of s
Page 56 and 57:
Lowering the proportion of lending
Page 58 and 59:
Loans to private customers grow mor
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Flexible products for closing the p
Page 62 and 63:
Cards for young people Security - a
Page 64 and 65:
Network bank for international corp
Page 66 and 67:
Corporate finance, not just for lar
Page 68 and 69:
International Markets (INM) The Int
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Record year on the Vienna Stock Exc
Page 72:
4 pages reserved for illustrations
Page 75 and 76: “The upswing experienced by the C
Page 77 and 78: In the retail/private customers seg
Page 79 and 80: Our efforts to offer products meeti
Page 81 and 82: Slovakia - HVB Bank Slovakia € m
Page 83 and 84: Outlook With the planned expansion
Page 85 and 86: International Markets Business deve
Page 87 and 88: Following the big success of the pr
Page 89 and 90: Acquisition of Eksimbanka By acquir
Page 91 and 92: “As a bank with growing business
Page 93 and 94: Risk structure by region and busine
Page 95 and 96: “The higher the level of standard
Page 97 and 98: Basel II The roll-out of the module
Page 99 and 100: “Today we expect our bank employe
Page 101 and 102: manager, the higher his classificat
Page 104 and 105: Consolidated Financial Statements i
Page 106 and 107: Income statement of the Bank Austri
Page 108 and 109: Statement of changes in shareholder
Page 110 and 111: Notes to the Consolidated Financial
Page 112 and 113: IFRSs applied Title Application App
Page 114 and 115: Income statement of the Bank Austri
Page 116 and 117: Loans and receivables are carried i
Page 118 and 119: Accounting for leases as lessee: in
Page 120 and 121: The present value of pension obliga
Page 122 and 123: as the identification of intangible
Page 124 and 125: € m 2005 2004 Staff costs 1,491 1
Page 128 and 129: Leasing business Total gross and ne
Page 130 and 131: Movements in investments in 2005
Page 132 and 133: In 2005, deferred taxes were partly
Page 134 and 135: Liabilities evidenced by certificat
Page 136 and 137: € m 2005 2004 Negative fair value
Page 138 and 139: Emoluments of members of Bank Austr
Page 140 and 141: Most of the trading assets and trad
Page 142 and 143: Segment reporting € m Private SME
Page 144 and 145: € m 2005 2005 2004 2004 Assets Li
Page 146 and 147: In the 2005 financial year, aggrega
Page 148 and 149: Market risk management encompasses
Page 150 and 151: VaR of the Bank Austria Creditansta
Page 152 and 153: Basis point values of the Bank Aust
Page 154 and 155: High-yield portfolio: composition o
Page 156 and 157: Market risk limit utilisation in CE
Page 158 and 159: Liquidity ratios of the Bank Austri
Page 160 and 161: Operational risk is defined as the
Page 162 and 163: experience in the past. Moreover, s
Page 164 and 165: Total volume of outstanding financi
Page 166 and 167: The following tables show the capit
Page 168 and 169: Report of the Auditors We have audi
Page 170 and 171: Report of the Supervisory Board In
Page 172 and 173: Corporate Governance Bank Austria C
Page 174 and 175: Supervisory Board and Managing Boar
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Income statement of the Bank Austri
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Income Statement of our Consolidate
Page 180 and 181:
Balance Sheets of our Consolidated
Page 182 and 183:
Glossary Important concepts and ter
Page 184 and 185:
General administrative expenses div
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In 1988, the Basel Capital Accord (
Page 188 and 189:
Office Network of the Bank Austria
Page 190 and 191:
Central and Eastern Europe Bosnia a
Page 192 and 193:
Other Countries 196 Office Network
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Investor Relations Investor Relatio
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