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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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- 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 74 and 75: Central and Eastern Europe (CEE) Re
- Page 76 and 77: segment all along. BA-CA’s essent
- Page 78 and 79: Poland - Bank BPH € m 2005 2004 T
- Page 80 and 81: In the Czech Republic we are pursui
- Page 82 and 83: Hungary - HVB Bank Hungary € m 20
- Page 84 and 85: 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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- Page 94 and 95: Organisation and IT Following the b
- Page 96 and 97: BA-CA security portal in the Intern
- Page 98 and 99: Human Resources For the staff of Ba
- Page 100 and 101: BA-CA offers cross-border internshi
- Page 102: 4 pages reserved for illustrations
- Page 105 and 106: (34) Subordinated assets 147 (35) A
- Page 107 and 108: Balance sheet of the Bank Austria C
- Page 109 and 110: Cash flow statement of the Bank Aus
- Page 111 and 112: In Croatia, where UniCredit holds a
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- 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
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(4) Net interest income (5) Losses
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(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
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(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
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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
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Financial statements/consolidated f
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The credit committee of the Supervi
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Managing Board Chairman Erich Hampe
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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
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Benchmarking Book value per share B
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Goodwill Hedging Integrated Corpora
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Spot transaction Spread Swap Syndic
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Selected subsidiaries and equity in
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Republic of Macedonia Skopje Repres
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London Brussels Luxembourg Paris Mu