- Page 1 and 2: Annual Report Bank Austria Creditan
- Page 3 and 4: The Bank Austria Creditanstalt Shar
- Page 5 and 6: 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
- Page 19 and 20: as an organisational principle has
- Page 21: We attach great importance to human
- 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
- Page 31 and 32: 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
- Page 50 and 51: 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
- Page 60 and 61: 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
- Page 70 and 71: Record year on the Vienna Stock Exc
- Page 72:
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
- Page 79 and 80:
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
- Page 87 and 88:
Following the big success of the pr
- Page 89 and 90:
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
- Page 99 and 100:
“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
- 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
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Income statement of the Bank Austri
- Page 116 and 117:
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
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€ m 2005 2004 Bonds and other fix
- Page 128 and 129:
Leasing business Total gross and ne
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Movements in investments in 2005
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In 2005, deferred taxes were partly
- Page 134 and 135:
Liabilities evidenced by certificat
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€ m 2005 2004 Negative fair value
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Emoluments of members of Bank Austr
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Most of the trading assets and trad
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Segment reporting € m Private SME
- Page 144 and 145:
€ m 2005 2005 2004 2004 Assets Li
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In the 2005 financial year, aggrega
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Market risk management encompasses
- Page 150 and 151:
VaR of the Bank Austria Creditansta
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Basis point values of the Bank Aust
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High-yield portfolio: composition o
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Market risk limit utilisation in CE
- Page 158 and 159:
Liquidity ratios of the Bank Austri
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Operational risk is defined as the
- Page 162 and 163:
experience in the past. Moreover, s
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Total volume of outstanding financi
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The following tables show the capit
- Page 168 and 169:
Report of the Auditors We have audi
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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
- 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
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Other Countries 196 Office Network
- Page 194:
Investor Relations Investor Relatio