- Page 1 and 2: 2007 Annual Report
- Page 3: Bank Austria at a Glance Income sta
- Page 7 and 8: Introduction UniCredit Group Profil
- Page 9 and 10: Introduction UniCredit Group Profil
- Page 11 and 12: Introduction UniCredit Group Profil
- Page 13 and 14: Introduction UniCredit Group Profil
- Page 15 and 16: Introduction UniCredit Group Profil
- Page 17 and 18: Introduction UniCredit Group Profil
- Page 20 and 21: Strategy, Results and Business Mode
- Page 22 and 23: create a shared identity will allow
- Page 24 and 25: Bank Austria now operates in 21 cou
- Page 26 and 27: Highlights 2007 1 January: Effectiv
- Page 28 and 29: One-off effects were significant fa
- Page 30 and 31: Future Development and Strategy of
- Page 32 and 33: our key markets by the end of 2009.
- Page 34 and 35: For internal management and control
- Page 37 and 38: Strategy, Results and Business Mode
- Page 39 and 40: Strategy, Results and Business Mode
- Page 41 and 42: Strategy, Results and Business Mode
- Page 43 and 44: Strategy, Results and Business Mode
- Page 45 and 46: Strategy, Results and Business Mode
- Page 47 and 48: Strategy, Results and Business Mode
- Page 49 and 50: Strategy, Results and Business Mode
- Page 51 and 52: Strategy, Results and Business Mode
- Page 53 and 54: Strategy, Results and Business Mode
- Page 55 and 56:
Strategy, Results and Business Mode
- Page 57 and 58:
Strategy, Results and Business Mode
- Page 59 and 60:
Strategy, Results and Business Mode
- Page 61:
Strategy, Results and Business Mode
- Page 64 and 65:
� This effect reflects the new st
- Page 66 and 67:
� We are swiftly implementing the
- Page 68 and 69:
MARKET SHARE RANKING Q3 2007 (%) 31
- Page 70 and 71:
Outlook In 2008, the bank will main
- Page 72 and 73:
Bulgaria: UniCredit Bulbank Sofia P
- Page 74 and 75:
Croatia: Zagrebačka banka Zagreb P
- Page 76 and 77:
further extending its role as marke
- Page 78 and 79:
Compared with 2006, the net profit
- Page 80 and 81:
Slovenia: UniCredit Banka Slovenija
- Page 82 and 83:
Retail customers The merged bank wi
- Page 84 and 85:
All business segments performed str
- Page 87 and 88:
Strategy, Results and Business Mode
- Page 89 and 90:
Strategy, Results and Business Mode
- Page 91 and 92:
Strategy, Results and Business Mode
- Page 94 and 95:
Human Resources and Corporate Socia
- Page 96 and 97:
agement expertise within UniCredit
- Page 98 and 99:
Compensation & Benefits Compensatio
- Page 100 and 101:
CEE Human Resources CEE Human Resou
- Page 102 and 103:
Ethical investments Bank Austria of
- Page 104 and 105:
Sustainable Human Resources managem
- Page 108 and 109:
Consolidated Financial Statements C
- Page 110 and 111:
The slowdown in economic growth in
- Page 112 and 113:
Results for 2007 and operating perf
- Page 114 and 115:
due to the turnaround in the Retail
- Page 116 and 117:
cal refinement and higher credit ri
- Page 118 and 119:
Development of Business Segments Re
- Page 120 and 121:
Operating income rose by € 32 m o
- Page 122 and 123:
of higher short-term and medium-ter
- Page 124 and 125:
tions. A particularly strong contri
- Page 126 and 127:
CEE business segment: comparison wi
- Page 128 and 129:
has been included in the consolidat
- Page 130 and 131:
In Croatia, the central bank’s st
- Page 134 and 135:
Consolidated Financial Statements i
- Page 136 and 137:
Balance sheet of the Bank Austria C
- Page 138:
Cash flow statement of the Bank Aus
- Page 141 and 142:
Consolidated Financial Statements i
- Page 143 and 144:
Consolidated Financial Statements i
- Page 145 and 146:
Consolidated Financial Statements i
- Page 147 and 148:
Consolidated Financial Statements i
- Page 149 and 150:
Consolidated Financial Statements i
- Page 151 and 152:
Consolidated Financial Statements i
- Page 153 and 154:
Consolidated Financial Statements i
- Page 155 and 156:
Consolidated Financial Statements i
- Page 157 and 158:
Consolidated Financial Statements i
- Page 159 and 160:
Consolidated Financial Statements i
- Page 161 and 162:
Consolidated Financial Statements i
- Page 163 and 164:
Consolidated Financial Statements i
- Page 165 and 166:
Consolidated Financial Statements i
- Page 167 and 168:
Consolidated Financial Statements i
- Page 169 and 170:
Consolidated Financial Statements i
- Page 171 and 172:
Consolidated Financial Statements i
- Page 173 and 174:
Consolidated Financial Statements i
- Page 175 and 176:
Consolidated Financial Statements i
- Page 177 and 178:
Consolidated Financial Statements i
- Page 179 and 180:
Consolidated Financial Statements i
- Page 181 and 182:
Consolidated Financial Statements i
- Page 183 and 184:
Consolidated Financial Statements i
- Page 185 and 186:
Consolidated Financial Statements i
- Page 187 and 188:
Consolidated Financial Statements i
- Page 189 and 190:
Consolidated Financial Statements i
- Page 191 and 192:
Consolidated Financial Statements i
- Page 193 and 194:
Consolidated Financial Statements i
- Page 195 and 196:
Consolidated Financial Statements i
- Page 197 and 198:
Consolidated Financial Statements i
- Page 199 and 200:
Consolidated Financial Statements i
- Page 201 and 202:
Consolidated Financial Statements i
- Page 203 and 204:
Consolidated Financial Statements i
- Page 205 and 206:
Consolidated Financial Statements i
- Page 208 and 209:
Concluding Remarks of the Managemen
- Page 210 and 211:
Opinion Our audit did not give rise
- Page 212:
Financial statements/ consolidated
- Page 215 and 216:
Corporate Governance, Statement by
- Page 218 and 219:
Consolidated Financial Statements o
- Page 220:
The Supervisory Board Management Bo
- Page 223 and 224:
Additional Information Income State
- Page 225 and 226:
Additional Information Glossary Imp
- Page 227 and 228:
Additional Information Glossary (CO
- Page 229 and 230:
Additional Information Glossary (CO
- Page 231 and 232:
Additional Information Office Netwo
- Page 233 and 234:
Additional Information Office Netwo
- Page 235:
Additional Information Investor Rel