2007 Annual Report

Contents
Introduction 5
UniCredit Group Profile 6
Strategy, Results and Business Model 19
Preface by Alessandro Profumo 20
Preface by Erich Hampel 22
Development and Strategy of Bank Austria 24
Bank Austria’s Divisions 36
Retail Division 38
Private Banking & Asset Management Division 44
Corporates Division 50
Markets & Investment Banking Division 56
Central Eastern Europe Division 62
Global Banking Services Division 86
Human Resources and Corporate Social Responsibility 93
Human Resources 94
Sustainable Business Management 100
Consolidated Financial Statements:
Management Report of the Group 107
The Banking Environment in 2007 108
Management Report of Bank Austria Creditanstalt
for 2007 110
Consolidated Financial Statements
in accordance with IFRSs 133
Contents 133
Income statement, balance sheet, 134
statement of changes in equity, 136
cash flow statement 137
Notes to the consolidated financial statements
incl. risk report 139
Concluding Remarks of the Management Board 207
Report of the Auditors 208
Report of the Supervisory Board 210
Corporate Governance, Statement by Management, Supervisory
Board and Management Board of Bank Austria Creditanstalt AG 213
Corporate Governance 214
Consolidated Financial Statements
of the BA-CA Group for 2007
Statement by Management 217
Supervisory Board and Management Board
of Bank Austria Creditanstalt AG 218
Supervisory Board 218
Management Board 219
Committees of the Supervisory Board 219
Additional Information 221
Income Statement of the
Consolidated Banking Subsidiaries in CEE 222
Glossary 224
Office Network 230
Investor Relations, Notes 234
*) Part of the consolidated financial statements in accordance with IFRSs
Bank Austria · 2007 Annual Report
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