Prospectus - Hypo Alpe-Adria-Bank AG

Table of Contents
General Description of the Programme ................................................
Page
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General ......................................................................... 6
Issue Procedures ................................................................. 7
Summary ......................................................................... 9
Summary of Risk Factors regarding HYPO International ................................ 9
Summary of Risk Factors regarding the Notes ......................................... 11
Summary regarding HYPO International ............................................. 12
Summary regarding the Notes ...................................................... 16
German Translation of the Summary .................................................. 21
Risk Factors ........................................................................ 34
Risk Factors regarding HYPO International ............................................ 34
Risk Factors regarding the Notes .................................................... 36
Hypo Alpe-Adria-Bank International AG as Issuer ........................................ 40
Statutory Auditors ................................................................ 40
History .......................................................................... 40
Legal Name, Registration, Date of Incorporation ....................................... 40
State Supervision ................................................................. 40
Organisational Structure ........................................................... 41
Business Overview and Development ................................................ 41
Trend Information ................................................................ 42
Administrative, Management and Supervisory Bodies ................................. 42
Management Board ............................................................. 42
Supervisory Board .............................................................. 42
Conflicts of Interest ............................................................. 43
Shareholders ................................................................... 43
Liability of the Province of Carinthia ............................................... 43
Financial Information concerning the Issuer’s Assets and Liabilities, Financial Position
and Profits and Losses ........................................................... 44
Historical Financial Information ................................................... 46
Age of latest financial information ................................................. 48
Interim and other financial information ............................................ 48
Significant change in HYPO International’s financial position .......................... 48
Auditing of historical annual financial information ................................... 49
Legal and arbitration proceedings ................................................. 49
Business of HAA Group ............................................................ 49
Banking ....................................................................... 49
Private Customers .............................................................. 50
Corporate Customers/Group Corporate & International ............................... 50
Investment Banking ............................................................. 50
Funding – New Issues ........................................................... 50
Leasing ........................................................................ 51
Consultants .................................................................... 52
Country Profil of HAA Group ....................................................... 52
Austria ........................................................................ 52
Business and Development ....................................................... 52
Italy ........................................................................... 53
Business and Development ....................................................... 53
Croatia ........................................................................ 53
Business and Development ....................................................... 53
Slovenia ....................................................................... 54
Business and Development ....................................................... 54
Bosnia and Herzegovina ......................................................... 55
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