team spirit - Bankier.pl

Bank Austria Creditanstalt at a Glance
Income statement figures (in € m) 2005 Change 2004
Net interest income
after losses on loans and advances 2,117 + 3.6 % 2,042
Net fee and commission income 1,458 + 18.2 % 1,233
Net trading result 237 + 1.7 % 233
General administrative expenses – 2,622 + 5.8 % – 2,479
Operating profit 1,142 + 20.9 % 944
Net income before taxes 1,301 + 51.5 % 859
Consolidated net income 964 + 58.3 % 609
Balance sheet figures (in € m) 2005 Change 2004
Total assets 158,879 + 8.4 % 146,581
Loans and advances to customers 86,404 + 6.3 % 81,260
Primary funds 89,965 + 8.7 % 82,763
Shareholders’ equity (excl. minority interests) 6,871 + 6.4 % 6,459
Risk-weighted assets (banking book) 75,263 + 6.2 % 70,887
Key performance indicators (in %) 2005 2004
Return on equity after taxes (ROE) 14.3 10.1
Return on assets (ROA) 0.63 0.43
CEE contribution to net income before taxes 54.1 42.6
Cost/income ratio 61.6 64.9
Net interest income/avg. risk-weighted assets (banking book) 3.53 3.58
Risk/earnings ratio 18.9 16.3
Provisioning charge/avg. risk-weighted assets (banking book) 0.67 0.58
Total capital ratio (at year-end) 12.2 12.4
Tier 1 capital ratio (at year-end) 8.3 7.9
Staff 2005 Change 2004
Bank Austria Creditanstalt (full-time equivalent) 31,792 + 8.9 % 29,191
Austria (BA-CA AG and its Austrian subsidiaries
that support its core banking business) 9,839 – 7.6 % 10,653
CEE and other subsidiaries 21,953 + 18.4 % 18,538
of which: Poland 10,181 + 4.7 % 9,728
Offices 2005 Change 2004
Bank Austria Creditanstalt 1,570 + 20.8 % 1,300
Austria 393 – 1.0 % 397
CEE and other countries 1,177 + 30.3 % 903
of which: Poland 503 + 7.7 % 467
Comparative figures adjusted to amended and new IFRS rules, see note 2 to the consolidated financial statements.