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Risk structure by region and business unit
Considered by region (domicile of borrower), the risk exposure
reflects Bank Austria Creditanstalt’s business model, i.e. concentration
on Austria and CEE. In respect of 24.6 % of exposures,
the borrower is located in one of the Central and Eastern European
countries. This is an increase of 2.6 percentage points. The
Austrian market accounts for 45.2 % of total risk exposure
(2004: 46 %). Thus 70 % of the total risk exposure is related to
our core markets, the remaining 30 % (2004: 32 %) is related to
Western Europe, North America and the rest of the world.
An analysis of risk exposures on the basis of the business unit
recording the transaction shows that our banking subsidiaries
in CEE account for € 37.8 bn or 22.9 % of the total volume;
€ 127.1 bn or 77.1% are accounted for by the BA-CA Group’s
other business units. Unsecured non-performing loans (as a
Risk structure by region as at 31 Dec. 2005 in %
(location of borrower)
Central and
Eastern Europe (CEE) 24.6%
Austria 45.2%
Western Europe 21.8%
North America 3.8%
Other countries 4.6%
Total volume:
€ 165.0 bn
percentage of the relevant total volume) represent about
1.6 % of the volume at CEE units and about 2.8 % of the volume
in the rest of the BA-CA Group.
Portfolio structure by business unit No identifiable Substandard Doubtful Non-performing/ Total
default risk uncollectible
Bank Austria Creditanstalt Group without CEE,
total exposure 114.4 7.8 0.3 4.6 127.1
of which unsecured 94.1 4.4 0.3 3.6 102.3
Percentage distribution of total exposure 90 % 6 % 0 % 4 % 100 %
Central and Eastern Europe (CEE), total exposure 33.7 3.0 0.2 1.0 37.8
of which unsecured 28.3 1.8 0.1 0.6 30.8
Percentage distribution of total exposure 89 % 8 % 0 % 3 % 100 %
Portfolio structure of the Bank Austria Creditanstalt Group by sector
The following table shows the total risk exposure of Bank Austria
Creditanstalt on 31 December 2005 by internal rating class
and sector. The risk volume is well diversified:
€bn Risk class
Sector No identifiable Substandard Doubtful Non-performing/ Total
default risk uncollectible
1–5 6–7 8 9–10
Banks 53.3 0.7 0.0 0.1 54.1
Consumers 18.5 2.0 0.2 0.9 21.7
Public administration 17.4 0.2 0.0 0.1 17.7
Real estate 11.2 1.6 0.0 0.6 13.3
Trade and commerce 8.3 1.4 0.0 0.9 10.7
Other services for businesses 4.0 1.1 0.0 0.5 5.6
Transport and communication 4.0 0.9 0.0 0.1 5.0
Metal-working industry and mechanical engineering 4.0 0.3 0.0 0.4 4.8
Other goods 3.8 0.3 0.0 0.4 4.6
Mineral oil, plastics 4.2 0.1 0.0 0.2 4.5
Construction 3.3 0.6 0.0 0.4 4.3
Energy and water supply 3.9 0.1 0.0 0.0 4.0
Automotive industry 2.3 0.2 0.0 0.1 2.7
Glass, ceramics, stone, earths 2.3 0.0 0.0 0.4 2.7
Food, beverages and tobacco 2.2 0.3 0.0 0.1 2.6
Paper, publishing, printers, data carrier duplication 2.0 0.1 0.0 0.1 2.2
Other financial services 1.6 0.1 0.0 0.0 1.7
Tourism 0.8 0.5 0.0 0.2 1.5
Agriculture, mining 1.0 0.2 0.0 0.1 1.3
Total 2005 148.1 10.8 0.5 5.6 165.0
in % 89.8 % 6.5 % 0.3 % 3.4 % 100.0 %
of which unsecured 122.4 6.1 0.3 4.2 133.0
in % 82.6 % 56.9 % 69.9 % 74.8 % 80.6 %
Risk Management 95