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€ m 2005 2005 2004 2004 Assets Liabilities Assets Liabilities US dollar 9,235 5,498 7,374 4,891 Yen 1,303 1,928 1,370 1,168 Swiss franc 16,266 15,161 14,172 14,522 Other 24,480 17,454 21,245 19,614 TOTAL – FOREIGN CURRENCIES 51,284 40,041 44,161 40,196 € m 2005 2004 Loans and advances to, and placements with, banks 47 45 Loans and advances to customers 831 793 Debt securities 2,985 514 Shares 6,656 4,146 Equity interests 22 123 Property and equipment 113 143 Other assets 3 12 TRUST ASSETS 10,657 5,775 Amounts owed to banks 221 202 Amounts owed to customers 9,983 4,994 Liabilities evidenced by certificates 299 238 Other liabilities 153 341 TRUST LIABILITIES 10,657 5,775 As part of its business activities, Bank Austria Creditanstalt also manages trust assets. As at 31 December 2005, trust assets/liabilities not recognised as assets/liabilities in the IFRS balance sheet totalled € 10,657 m (2004: € 5,775 m). Under repurchase agreements, assets were sold to third parties with a commitment to repurchase the financial instruments at a price specified when the assets were sold. At the balance sheet date, the total amount of repurchase agreements was € 3,136 m (2004: € 4,985 m). In those cases where Bank Austria Creditanstalt is the transferor, the relevant assets continue to be recognised in its balance sheet at their fair values. In those cases where Bank Austria Creditanstalt is the transferee, the bank does not recognise the assets in its balance sheet. € m 2005 2004 Guarantees 12,540 9,482 Acceptances and endorsements 21 19 CONTINGENT LIABILITIES 12,562 9,501 Liabilities arising from sales with an option to repurchase 449 787 Other commitments 10,738 8,749 COMMITMENTS 11,187 9,536 148 Additional IFRS disclosures (35) Assets and liabilities in foreign currency (36) Trust assets and trust liabilities (37) Repurchase agreements (38) Contingent liabilities and commitments
(39) List of selected subsidiaries and other equity interests (39a) Consolidated companies The list of unconsolidated subsidiaries required under the Austrian Commercial Code/ Austrian Banking Act is included in the notes to the financial statements of Bank Austria Creditanstalt AG as at 31 December 2005. The notes have been lodged with the Austrian Register of Firms, a public register at the Commercial Court of Vienna. Company Ownership interest in % Asset Management GmbH, Vienna 100.00 BA-CA Administration Services GmbH, Vienna 100.00 BACA Export Finance Limited, London 100.00 Banca Comerciala „Ion Tiriac“ S.A., Bucharest 50.00 Bank Austria Cayman Islands Ltd., Georgetown, Cayman Islands 100.00 Bank Austria Creditanstalt d.d. Ljubljana, Ljubljana 99.98 Bank Austria Creditanstalt Leasing GmbH, Vienna 99.98 Bank Austria Creditanstalt Real Invest GmbH, Vienna 94.95 Bank Austria Creditanstalt Wohnbaubank AG, Vienna 100.00 Bank Austria Trade Services Gesellschaft m.b.H., Vienna 100.00 Bank BPH Spolka Akcyjna, Kraków 71.03 Banking Transaction Services s.r.o., Prague 100.00 BANKPRIVAT AG, Vienna 100.00 BPH Bank Hipoteczny S.A., Warsaw 100.00 BPH Leasing S.A., Warsaw 100.00 CABET-Holding-Aktiengesellschaft, Vienna 100.00 caibon.com Internet Services GmbH, Vienna 100.00 CAPITAL INVEST die Kapitalanlagegesellschaft der Bank Austria Creditanstalt Gruppe GmbH,Vienna 100.00 Domus Bistro GmbH, Vienna 100.00 Domus Clean Reinigungs GmbH, Vienna 100.00 DOMUS FACILITY MANAGEMENT GmbH, Vienna 100.00 Hebros Bank AD, Plovdiv 99.91 HVB Bank Biochim AD, Sofia 99.79 HVB Bank Czech Republic a.s., Prague 100.00 HVB Bank Hungary Rt., Budapest 100.00 HVB Bank Romania S.A., Bucharest (for control, see note 3) 50.00 HVB Bank Slovakia a.s., Bratislava 100.00 HVB Banka Srbija i Crna Gora A.D. Beograd, Belgrade 99.48 HVB Central Profit Banka d.d., Sarajevo 80.85 HVB Jelzálogbank Rt., Budapest 99.97 HVB Splitska banka d.d., Split 99.74 HYPO stavebni sporitelna a.s., Prague 60.00 Lassallestraße Bau-, Planungs-, Errichtungs- und Verwertungsgesellschaft m.b.H., Vienna 99.00 Schoellerbank Aktiengesellschaft, Vienna 100.00 VISA-SERVICE Kreditkarten Aktiengesellschaft, Vienna 50.10 WAVE Solutions Information Technology GmbH, Vienna 100.00 The ownership interest is the Bank Austria Creditanstalt Group’s ownership interest in the equity of the company. For the purpose of calculating the ownership interest in a target company, shares held by consolidated companies and by other subsidiaries are added up. In this connection, Bank Austria Creditanstalt’s ownership interest in subsidiaries holding shares in the target company is not taken into account. (39b) Investments in associated companies accounted for under the equity method Name and domicile of company Balance Applied Total Equity Operating Net Ownership Voting Adria Bank Aktiengesellschaft, sheet date GAAP assets capital revenues income interest in % power in % Vienna Bausparkasse Wüstenrot 31 Dec. 2005 IFRSs 240,986 31,488 6,534 1,890 27.38 25.5 Aktiengesellschaft, Salzburg Oesterreichische Kontrollbank 31 Dec. 2005 IFRSs 5,722,343 363,240 144,706 14,402 24.1 Aktiengesellschaft, Vienna 31 Dec. 2005 IFRSs 27,000,000 420,335 118,562 60,000 49.15 Oberbank AG, Linz Bank für Tirol und Vorarlberg 31 Dec. 2005 IFRSs 12,146,000 687,000 323,100 68,700 33.59 34.63 Aktiengesellschaft, Innsbruck Bank für Kärnten und Steiermark 31 Dec. 2005 IFRSs 6.784.000 467.315 141.000 31,900 47.38 46.64 Aktiengesellschaft, Klagenfurt 31 Dec. 2005 IFRSs 4,658,000 328,436 224,804 28,000 36.03 37.29 Additional IFRS disclosures 149
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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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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
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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
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“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 142 and 143: Segment reporting € m Private SME
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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