GB00_erste lage_E - Erste Group

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CORPORATE CENTRE Erste-nettrading Erste-nettrading (www.erste-nettrading.com), through the ecetra platform, enables customers to buy and sell securities via the Internet. In addition, since December 2000, Erste Bank’s customers have access through www.ecetra.com to finance-related information, such as reports of international news agencies, price data, charts, company profiles and analyses as well as market reports. In total, about 3,000 financial instruments, including more than 2,300 shares, can be traded around the clock on 18 exchanges world-wide. In initial public offerings and capital increases that are underwritten by Erste Bank, investors are able to subscribe new shares online. Erste-nettrading is designed particularly for customers who wish to invest for the longer term while benefiting from professional advice. From 2001 all savings banks are also represented on the ecetra platform. For self-directed customers, ecetra will offer intraday securities trading. The ecetra website will be expanded by entertainment and interactivity functions. In 2001 the platform is to be launched in the Czech Republic, Hungary and Poland. Electronic banking for corporate customers With a view especially to the euro, the electronic banking activities of Erste Bank focus on cashless payments. In the form of its Erste-Telebanking and Erste-Multicash services, Erste Bank offers not just domestic and international payments transactions, but also access to international bank accounts. The growing trend towards buying merchandise and services over the Internet led Erste Bank and its peer savings banks to develop “netpay”, an Internet payments system. Netpay’s PIN and TAN safeguards offer a maximum of security to all netbanking customers paying for goods bought via the Internet. New Internet presence In March 2000 Erste Bank and the savings banks launched a joint Internet presence at www.sparkasse.at. This blue-chip web site for all things finance does justice to the need of Erste Bank and the savings bank sector for a single, unified brand that stands for first-rate service throughout the market. 64 Erste Bank 2000
2000 Consolidated Financial Statements according to IAS
Page 1 and 2:
The leading financial services prov
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Key figures of Erste Bank share 200
Page 5 and 6:
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
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: Leading-edge technology for Erste B
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
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Nominal amount by remaining maturit
Page 121 and 122:
Česká spořitelna, a.s. is the de
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Delegated by the Employee Council G
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Percentage Investment Net Fin. stat
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Percentage Investment Net Fin. stat
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Trading assets All trading assets a
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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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