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Segment reporting € m Private SMEs Large Cor- Central Inter- Corporate BA-CA Customers Austria porates and and Eastern national Center Group Austria Real Estate Europe (CEE) Markets Net interest income 2005 670 369 483 977 89 24 2,611 2004 678 394 489 744 133 3 2,441 Losses on loans and advances 2005 – 234 –121 – 35 –117 10 2 – 495 2004 – 74 – 200 – 35 – 86 – – 3 – 398 Net fee and commission income 2005 536 237 132 519 40 – 7 1,458 2004 473 219 120 408 19 – 5 1,233 Net trading result 2005 4 1 –1 46 178 10 237 2004 3 – 6 78 122 24 233 General administrative expenses 2005 – 888 – 403 – 292 – 824 –158 – 57 – 2,622 2004 – 908 – 385 – 291 – 692 –140 – 63 – 2,479 Balance of other operating 2005 1 8 12 –17 – 32 – 20 – 48 income and expenses 2004 – 9 –15 12 – 39 –19 –16 – 85 Operating profit 2005 88 91 300 584 128 – 49 1,142 2004 163 13 301 413 114 – 59 944 Net result from investments 2005 14 – 138 129 19 –17 282 2004 4 – – 33 7 9 5 – 8 Amortisation of goodwill 2005 – 4 – – – – – – 4 2004 – 4 – – 4 – 53 – 6 – 9 – 75 Allocation to provisions 2005 – 2 – 90 – – 7 – – 9 –108 for restructuring costs 2004 – – – – – – – Balance of other income and expenses 2005 – 2 – – 8 –1 – – –11 2004 – – – 3 –1 – 2 – 2 Net income before taxes 2005 94 1 430 704 147 – 75 1,301 2004 163 13 261 366 117 – 61 859 Taxes on income 2005 – 21 – –115 –116 – 21 47 – 226 2004 – 44 – 4 – 65 – 83 – 30 38 –188 Net income 2005 73 1 315 588 126 – 28 1,075 2004 119 9 196 282 87 – 24 671 Risk-weighted assets 2005 13,286 13,987 20,383 21,350 3,082 3,284 75,372 (average, Austrian Banking Act) 2004 11,182 13,089 21,621 16,991 3,039 4,356 70,277 Equity allocated (average) 2005 930 979 1,427 2,106 216 1,631 7,290 2004 783 916 1,513 1,687 213 1,329 6,441 Return on equity before taxes in % 2005 10.1 0.1 30.1 33.4 68.0 n.m. *) 17.9 2004 20.8 1.4 17.3 21.7 55.0 n.m. *) 13.3 Return on equity after taxes in % 2005 7.9 0.1 22.1 27.9 58.4 n.m. *) 14.8 2004 15.2 1.0 13.0 16.7 41.1 n.m. *) 10.4 Cost/income ratio in % 2005 73.4 65.6 46.5 54.0 57.3 n.m. *) 61.6 2004 79.3 64.4 46.4 58.1 55.2 n.m. *) 64.9 Risk/earnings ratio in % 2005 35.0 32.6 7.3 12.0 n.m. *) n.m. *) 18.9 2004 10.9 50.8 7.1 11.5 n.m. *) n.m. *) 16.3 *) not meaningful 146 Additional IFRS disclosures
Balance sheet data by segment € m Private SMEs Large Central Inter- Corporate BA-CA Customers Austria Corporates and national Center Group Austria and Real Eastern Markets Estate Europe Trading assets 2005 8 – – 1,000 16,172 484 17,665 2004 9 – – 1,866 15,831 868 18,575 Loans and advances to customers 2005 17,455 17,283 30,135 21,939 – 201 86,404 2004 15,869 15,277 32,526 17,630 – 317 81,260 Loan loss provisions 2005 – 559 –1,551 – 426 – 678 – –18 – 3,232 2004 – 697 –1,623 –177 – 797 – –10 – 3,305 Amounts owed to customers 2005 24,437 7,434 9,852 20,340 – 170 61,863 2004 24,634 7,213 8,856 16,896 – 257 57,856 Trading liabilities 2005 – – – 427 6,649 – 6,807 2004 – – – 566 8,225 139 8,930 The totals reflect inter-segment eliminations. Breakdown of income by region € m Austria Central and Eastern Europe Other regions Total 2005 2004 2005 2004 2005 2004 2005 2004 Net interest income 1,541 1,486 1,051 904 20 50 2,611 2,441 Losses on loans and advances Net interest income after – 377 – 310 –115 – 87 – 2 – – 495 – 398 losses on loans and advances 1,164 1,176 936 818 17 50 2,117 2,042 Net fee and commission income 950 827 517 417 – 8 –10 1,458 1,233 Net trading result 151 122 72 86 14 24 237 233 (32) Loans and advances on which interest is not being accrued (33) Assets pledged as security (34) Subordinated assets Within Bank Austria Creditanstalt, loans and advances are put on a non-accrual status if they are not expected to produce interest income inflows in the subsequent period. An adequate loan loss provision is made for such loans and advances. At the balance sheet date, loans and advances to customers on which interest was not being accrued amounted to € 3,228 m (2004: € 3,356 m). As at 31 December 2005, assets pledged by Bank Austria Creditanstalt totalled € 20,601 m (as at 1 January 2005: € 14,148 m). € m 2005 2004 Loans and advances to, and placements with, banks 1,027 1,004 Loans and advances to customers 403 355 Trading assets 729 478 Bonds and other fixed-income securities 640 653 Additional IFRS disclosures 147
Page 1 and 2:
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
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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
Page 17 and 18:
“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
Page 35 and 36:
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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Austrian Customer Business Bank Aus
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Linking sales channels � Mix of s
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Lowering the proportion of lending
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Loans to private customers grow mor
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Flexible products for closing the p
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Cards for young people Security - a
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Network bank for international corp
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Corporate finance, not just for lar
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International Markets (INM) The Int
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Record year on the Vienna Stock Exc
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4 pages reserved for illustrations
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“The upswing experienced by the C
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In the retail/private customers seg
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Our efforts to offer products meeti
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Slovakia - HVB Bank Slovakia € m
Page 83 and 84:
Outlook With the planned expansion
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International Markets Business deve
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Following the big success of the pr
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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 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 126 and 127: € m 2005 2004 Bonds and other fix
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 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
Page 178 and 179: 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
Page 186 and 187: 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
Page 194:
Investor Relations Investor Relatio
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