- Page 1 and 2: Annual Report Bank Austria Creditan
- Page 3 and 4: The Bank Austria Creditanstalt Shar
- Page 5: Annual Report Bank Austria Creditan
- Page 9 and 10: team spirit | for europe 3 Highligh
- Page 11 and 12: To our shareholders, customers and
- Page 13 and 14: Letter from the CEO of the new UniC
- Page 16 and 17: Three networks are combined 14 With
- Page 18 and 19: Wider perimeter, better diversifica
- Page 20 and 21: Shareholders’ Agreement on BA-CA
- Page 22 and 23: Organisation Chart of Bank Austria
- Page 24 and 25: Strong global growth, significant d
- Page 26 and 27: Management Report of the Group Over
- Page 28 and 29: Income statement for 2005 The most
- Page 30 and 31: Insolvencies: number and insolvency
- Page 32 and 33: proceeds from sales. The sale of sh
- Page 34 and 35: Risk-weighted assets increased by 1
- Page 36 and 37: Operating profit for 2005 was € 9
- Page 38 and 39: Central and Eastern Europe (CEE)
- Page 40 and 41: etween Germany, Austria and CEE int
- Page 42 and 43: were € 2.3 bn or 10 % higher than
- Page 44 and 45: The upward economic trend in CEE co
- Page 46 and 47: Further details on the BA-CA share
- Page 48: 4 pages reserved for illustrations
- Page 51 and 52: “Value-based management aims at a
- Page 53 and 54: “Based on our new customer servic
- Page 55 and 56: � Back-office activities and proc
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channels, especially for day-to-day
- Page 59 and 60:
share indices in Japan, the euro ar
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earlier in this report, was an exce
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With the e-Rechnung service, for wh
- Page 65 and 66:
“Our competitive strength lies in
- Page 67 and 68:
Real Estate In the area of real est
- Page 69 and 70:
“We see ourselves as intermediari
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Strategic outlook INM has set itsel
- Page 74 and 75:
Central and Eastern Europe (CEE) Re
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segment all along. BA-CA’s essent
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Poland - Bank BPH € m 2005 2004 T
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In the Czech Republic we are pursui
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Hungary - HVB Bank Hungary € m 20
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Outlook In 2006, our activities wil
- Page 86 and 87:
Corporate customers The two banks
- Page 88 and 89:
The two banking subsidiaries will r
- Page 90 and 91:
Risk Management In recent years ris
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Risk structure and problem loans at
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Organisation and IT Following the b
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BA-CA security portal in the Intern
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Human Resources For the staff of Ba
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BA-CA offers cross-border internshi
- Page 102:
4 pages reserved for illustrations
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(34) Subordinated assets 147 (35) A
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Balance sheet of the Bank Austria C
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Cash flow statement of the Bank Aus
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In Croatia, where UniCredit holds a
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Published IFRSs which have not yet
- Page 115 and 116:
Business combinations Consolidation
- Page 117 and 118:
Investment property Derivatives Lea
- Page 119 and 120:
Measurement principles - disposal g
- Page 121 and 122:
Net fee and commission income Net t
- Page 123 and 124:
(4) Net interest income (5) Losses
- Page 125 and 126:
(12) Earnings per share (13) Cash a
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Loans and advances to customers - b
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(17) Investments Loan loss provisio
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Movements in property and equipment
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Amounts owed to banks - breakdown b
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Movements in provisions for restruc
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(29) Fair values Fair values The ho
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As at 31 December 2005, one member
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Private Customers Austria SMEs Aust
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Balance sheet data by segment € m
- Page 145 and 146:
(39) List of selected subsidiaries
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Bank Austria Creditanstalt divides
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In addition to the risk model resul
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Trader Reports: selected QQ plots C
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Latin America CEE incl. Turkey Asia
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Change in value Model result Market
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Preliminary consultations with Aust
- Page 159 and 160:
Active Credit Portfolio Management
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(42e) Net charge for losses on loan
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interest-rate and currency position
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(46) Legal basis of the consolidate
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Concluding Remarks of the Managing
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Our audit did not give rise to any
- Page 171 and 172:
Financial statements/consolidated f
- Page 173 and 174:
The credit committee of the Supervi
- Page 175 and 176:
Managing Board Chairman Erich Hampe
- Page 177 and 178:
Balance sheet of the Bank Austria C
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Slovenia Croatia Romania 1) Bulgari
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Slovenia Croatia Romania 1) Bulgari
- Page 183 and 184:
Benchmarking Book value per share B
- Page 185 and 186:
Goodwill Hedging Integrated Corpora
- Page 187 and 188:
Spot transaction Spread Swap Syndic
- Page 189 and 190:
Selected subsidiaries and equity in
- Page 191 and 192:
Republic of Macedonia Skopje Repres
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London Brussels Luxembourg Paris Mu