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The leading financial services prov
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Key figures of Erste Bank share 200
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2000 Annual Report We are Erste Ban
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September ❚ The 24 Styrian branch
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from left to right Franz Hochstrass
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The third factor, the effectiveness
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ution channels. The complete classi
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❚ Operating income ❚ General ad
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❚ Net interest income ❚ Net com
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❚ Securities transactions ❚ Bui
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greater, since some of the staff cu
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▲ Cost-income ratio ■ ROE ❚ L
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❚ Amounts owed to credit institut
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▲ Solvency ratio ■ Core capital
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Results by business segment The act
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Retail and Real Estate
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Innovative advisory tools now also
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Volume has risen further The market
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Strong, united identity conveyed by
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Holdings of Erste Bank in Central E
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Erste Bank— a seal of quality Hun
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Asset Gathering
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Erste Bank in the top tier of asset
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Strong rise in insurance premium in
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The Large Corporate Customers segme
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Positive trend in International Bus
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Domestic credit risk by sectors A g
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Foreign credit risk by sectors Inte
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As a supplement to the general cred
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The Trading and Investment Banking
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However, lower income from trading
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Corporate Centre
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Harmonisation of EDP systems enhanc
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Leading-edge technology for Erste B
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2000 Consolidated Financial Stateme
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II. Group Income Statement of Erste
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IV. Cash Flow Statement in EUR Mio
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During the reporting period 52.07%
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Scope of Consolidation The impact o
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While the agreement is in force (un
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Principles of Consolidation Account
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All realised and unrealised gains f
- Page 85 and 86: In the case of operating leases (in
- Page 87 and 88: 13) Loans and advances to credit in
- Page 89 and 90: 17) Investments available for sale
- Page 91 and 92: 20) Other assets in EUR million 200
- Page 93 and 94: a) Employee benefits Total provisio
- Page 95 and 96: lower limits defined above, a gradu
- Page 97 and 98: As all own shares held in the Compa
- Page 99 and 100: The above figures do not include th
- Page 101 and 102: In addition to the above-mentioned
- Page 103 and 104: Sundry operating expenses are compr
- Page 105 and 106: 37) Segment reporting The aim of se
- Page 107 and 108: Asset Gathering Corporate Center To
- Page 109 and 110: 38) Additional information Assets a
- Page 111 and 112: Organisation of risk management at
- Page 113 and 114: Risks at Erste Bank Market risk Flu
- Page 115 and 116: In March 2000 Erste Bank launched a
- Page 117 and 118: Open fixed-income positions not att
- Page 119 and 120: Nominal amount by remaining maturit
- Page 121 and 122: Česká spořitelna, a.s. is the de
- Page 123 and 124: Delegated by the Employee Council G
- Page 125 and 126: Percentage Investment Net Fin. stat
- Page 127 and 128: Percentage Investment Net Fin. stat
- Page 129 and 130: Trading assets All trading assets a
- Page 131 and 132: Other operating results This item i
- Page 133 and 134: It is our conviction that the Finan
- Page 135: Report of Supervisory Board During
- Page 139: Erste Bank share is included in fol