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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.
The Bank Austria Creditanstalt Share BA-CA shares – key data 2005 2004 Change Share price (at year-end) € 93.99 € 66.50 + 41.3 % High/low (intraday) € 104.25/€ 62.01 € 66.60/€ 40.81 Earnings per share (IFRS basis) € 6.56 € 4.14 + 58.4 % Book value per share (at year-end) € 46.73 € 43.93 + 6.4 % Price/book value (at year-end) 2.01 1.51 Price/earnings ratio (at year-end) 14.3 16.0 Dividend per share for the financial year (proposal for 2005) € 2.50 € 1.50 + 66.7 % Payout ratio (in %) for the financial year 38.1% 36.2 % Total shareholder return 43.6 % 66.7 % Number of shares (at year-end) 147,031,740 147,031,740 Market capitalisation (at year-end) € 13.8 bn € 9.8 bn + 41.3 % Turnover on the Vienna Stock Exchange (single counting) Average daily turnover in BA-CA shares on the € 4.54 bn € 1.89 bn Vienna Stock Exchange (single counting) 221,000 shares 152,000 shares Information on the BA-CA share Vienna Stock Exchange Warsaw Stock Exchange ISIN AT0000995006 Trading symbol BACA BCA Number of shares issued 147,031,740 Reuters RIC BACA.VI BACA.WA Free float 5.02 % Bloomberg Ticker Code BACA AV BCA PW Financial calendar 2006 4 May 2006 Annual General Meeting of Bank Austria Creditanstalt 12 May 2006 Dividend payment date 9 May 2006 Ex-dividend date 12 September 2006 Results for the first six months of 2006 11 May 2006 Results for the first three months of 2006 14 November 2006 Results for the first nine months of 2006 Bank Austria Creditanstalt shares since the initial public offering Offering price on 8 July 2003: € 29 in thousands of shares 9,000 8,000 7,000 6,000 5,000 4,000 3,000 2,000 1,000 0 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 2003 2004 2005 2006 *) EUR 120 100 80 60 40 20 0 BA-CA share price ATX based on BA-CA offering price DJ EuroStoxx/Banks based on BA-CA offering price Weekly turnover in thousands of shares (left scale) *) UniCredit share price multi<strong>pl</strong>ied by 19.92 reflecting the exchange ratio
Page 1: Annual Report Bank Austria Creditan
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 and 22: We attach great importance to human
Page 23 and 24: International Markets Willi Hemetsb
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
Page 75 and 76:
“The upswing experienced by the C
Page 77 and 78:
In the retail/private customers seg
Page 79 and 80:
Our efforts to offer products meeti
Page 81 and 82:
Slovakia - HVB Bank Slovakia € m
Page 83 and 84:
Outlook With the planned expansion
Page 85 and 86:
International Markets Business deve
Page 87 and 88:
Following the big success of the pr
Page 89 and 90:
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 114 and 115:
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 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 176 and 177:
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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