GB00_erste lage_E - Erste Group

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CONTENTS Key figures (IAS) .................................... Inside cover Highlights 2000 .................................................... 2 The Management Board ........................................ 4 Letter to our shareholders...................................... 6 Group Management Report .................................... 10 Segment Performance............................................ 24 Retail and Real Estate .................................... 27 Asset Gathering .............................................. 39 Large Corporate Customers .............................. 44 Credit risk at Erste Bank Group ........................ 48 Trading and Investment Banking ...................... 54 Corporate Center ............................................ 59 2000 Consolidated Financial Statements according to IAS.................................................... 65 Balance Sheet........................................................ 66 Income Statement .................................................. 67 Statement of Changes in Equity .............................. 68 Cash Flow Statement.............................................. 69 Notes to Consolidated Financial Statements of Erste Bank Group .............................................. 72 Information .......................................................... 124 Information for shareholders ................................ 134 Investor Relations Erste Bank, Graben 21, 1010 Vienna/Austria Fax: +43 1 53100-3112 E-mail: investor.relations@erstebank.co.at Internet: www.erstebank.at/ir Ticker symbols: Reuters: ERST.VI Bloomberg: DESC AV Datastream: O:ERS Securities ID: 065201 GDR Cusip-Code: 296 036 106 Gabriele Semmelrock-Werzer Phone: +43 1 53100-1286 E-Mail: gabriele.werzer@erstebank.at Thomas Schmee Phone: +43 1 53100-7326 E-Mail: thomas.schmee@erstebank.at Financial Highlights fold out ➔
2000 Annual Report We are Erste Bank Group. Based in Austria, we are Central Europe’s foremost financial services group. We provide banking, investment, loans and insurance services, and focus on consumers and small to medium-sized companies. We operate successfully in the fastest growing economies in the region, aiming to provide over 8 million customers with a high standard of personal service and a comprehensive range of financial products. We are exploiting the opportunities across existing and new distribution channels—we are online and face to face with our customers. But our success comes from keeping our promises to our customers and our investors.
Page 1 and 2: The leading financial services prov
Page 3: Key figures of Erste Bank share 200
Page 7 and 8: September ❚ The 24 Styrian branch
Page 9 and 10: from left to right Franz Hochstrass
Page 11 and 12: The third factor, the effectiveness
Page 13 and 14: ution channels. The complete classi
Page 15 and 16: ❚ Operating income ❚ General ad
Page 17 and 18: ❚ Net interest income ❚ Net com
Page 19 and 20: ❚ Securities transactions ❚ Bui
Page 21 and 22: greater, since some of the staff cu
Page 23 and 24: ▲ Cost-income ratio ■ ROE ❚ L
Page 25 and 26: ❚ Amounts owed to credit institut
Page 27 and 28: ▲ Solvency ratio ■ Core capital
Page 29 and 30: Results by business segment The act
Page 31 and 32: Retail and Real Estate
Page 33 and 34: Innovative advisory tools now also
Page 35 and 36: Volume has risen further The market
Page 37 and 38: Strong, united identity conveyed by
Page 39 and 40: Holdings of Erste Bank in Central E
Page 41 and 42: Erste Bank— a seal of quality Hun
Page 43 and 44: Asset Gathering
Page 45 and 46: Erste Bank in the top tier of asset
Page 47 and 48: Strong rise in insurance premium in
Page 49 and 50: The Large Corporate Customers segme
Page 51 and 52: Positive trend in International Bus
Page 53 and 54: Domestic credit risk by sectors A g
Page 55 and 56:
Foreign credit risk by sectors Inte
Page 57 and 58:
As a supplement to the general cred
Page 59 and 60:
The Trading and Investment Banking
Page 61 and 62:
However, lower income from trading
Page 63 and 64:
Corporate Centre
Page 65 and 66:
Harmonisation of EDP systems enhanc
Page 67 and 68:
Leading-edge technology for Erste B
Page 69 and 70:
2000 Consolidated Financial Stateme
Page 71 and 72:
II. Group Income Statement of Erste
Page 73 and 74:
IV. Cash Flow Statement in EUR Mio
Page 75 and 76:
During the reporting period 52.07%
Page 77 and 78:
Scope of Consolidation The impact o
Page 79 and 80:
While the agreement is in force (un
Page 81 and 82:
Principles of Consolidation Account
Page 83 and 84:
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 and 136:
Report of Supervisory Board During
Page 137 and 138:
Prague Hlavní nádrazí (Central R
Page 139:
Erste Bank share is included in fol
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GB00_erste lage_E - Erste Group

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