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Supervisory Board and Managing Board of Bank Austria Creditanstalt AG Supervisory Board Chairman Carlo Salvatori Deputy Chairman, UniCredit Group (from 25 January 2006) 178 Supervisory Board and Managing Board of Bank Austria Creditanstalt AG Michael Mendel Former Member of the Management Board of Bayerische Hypo- und Vereinsbank AG (from 19 May 2005 until 25 January 2006) Gerhard Randa Executive Vice President, Magna International Inc., Toronto (until 19 May 2005) Deputy Chairman Rudolf Humer Chairman of the Supervisory Board of ECE European City Estates AG Members Erich Becker Former Chairman of the Managing Board of VA Technologie AG Alberto Crippa Financial consultant (until 25 January 2006) Sergio Ermotti Head of Multinationals/Investment Banking Division, UniCredit Group (from 25 January 2006) Armin Gebhard Fehle Communications consultant Stefan Jentzsch Former Member of the Management Board of Bayerische Hypo- und Vereinsbank AG (until 6 December 2005) Michael Kemmer Former Member of the Management Board of Bayerische Hypo- und Vereinsbank AG (from 19 May 2005 until 25 January 2006) Gerhard Mayr Former Executive Vice President of Eli Lilly & Company Michael Mendel Former Member of the Management Board of Bayerische Hypo- und Vereinsbank AG (until 19 May 2005) Alessandro Profumo Chief Executive Officer, UniCredit Group (from 25 January 2006) Franz Rauch Managing Director, Franz Rauch GmbH Veit Sorger President of the Federation of Austrian Industry Appointed by the Employees’ Council Hedwig Fuhrmann Chairman of the Employees’ Council Wolfgang Sprissler Spokesman of the Management Board (CEO), Bayerische Hypo- und Vereinsbank AG Wolfgang Heinzl Emmerich Perl (from 20 April 2005) First Deputy Chairman Third Deputy Chairman of the Employees’ Council of the Employees’ Council Adolf Lehner Thomas Schlager Second Deputy Chairman Fourth Deputy Chairman of the Employees’ Council of the Employees’ Council Heribert Kruschik Wolfgang Lang Member of the Employees’ Council Member of the Employees’ Council (until 20 April 2005, from 1 January 2006) (until 31 December 2005)
Managing Board Chairman Erich Hampel Chief Executive Officer Deputy Chairman Wolfgang Haller Deputy Chief Executive Officer (until 5 September 2005) Members Willibald Cernko Stefan Ermisch (until 31 March 2006) Wilhelm Hemetsberger Regina Prehofer Johann Strobl Robert Zadrazil (from 26 January 2006) Supervisory Board and Managing Board of Bank Austria Creditanstalt AG 179
Page 1 and 2:
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
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Risk structure by region and busine
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“The higher the level of standard
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Basel II The roll-out of the module
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“Today we expect our bank employe
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manager, the higher his classificat
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Consolidated Financial Statements i
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Income statement of the Bank Austri
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Statement of changes in shareholder
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Notes to the Consolidated Financial
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IFRSs applied Title Application App
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Income statement of the Bank Austri
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Loans and receivables are carried i
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Accounting for leases as lessee: in
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The present value of pension obliga
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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 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 176 and 177: Income statement of the Bank Austri
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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