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THE BANK FOR CORPORATES 8 Supervisory Board. State Commissioner POLICY-MAKING BODIES. Supervisory Board. State Commissioner. GEISERICH E. TICHY Chairman HELMUT ELSNER Vice-Chairman (from 23 May 2001) CEO and Chairman of the Board of Management Bank für Arbeit und Wirtschaft Aktiengesellschaft KARL SAMSTAG Vice-Chairman Vice-Chairman of the Board of Management Bank Austria Aktiengesellschaft ELISABETH BLEYLEBEN-KOREN Vice-Chairperson (from 23 May 2001) Vice-Chairperson of the Board of Management Erste Bank der oesterreichischen Sparkassen AG KARL FINK (from 23 May 2001) Member of the Board of Management WIENER STÄDTISCHE Allgemeine Versicherung Aktiengesellschaft KLAUS HABERZETTL (to 23 May 2001) General Manager BA Private Equity GmbH HERWIG HUTTERER FRIEDRICH KADRNOSKA (from 23 May 2001) Member of the Board of Management Bank Austria Aktiengesellschaft HEINZ KESSLER CEO and Chairman of the Board of Management Nettingsdorfer Papierfabrik Management AG STEPHAN KOREN (from 23 May 2001) CEO and Chairman of the Board of Management Österreichische Postsparkasse AG KURT LÖFFLER Executive Manager ERP-Fund REGINA PREHOFER Head of Division Multinational Corporates, Corporate and Trade Finance Bank Austria Aktiengesellschaft KARL SEVELDA Vice-Chairman (to 23 May 2001) Member of the Board of Management Raiffeisen Zentralbank Österreich Aktiengesellschaft GERHARD TANEW-ILIITSCHEW Senior Vice President, Management Services Raiffeisen Zentralbank Österreich Aktiengesellschaft KLAUS THALHAMMER CEO and Chairman of the Board of Management Österreichische Volksbanken-AG WOLFGANG AGLER Employees‘ representative GABRIELE BAUER Employees‘ representative REGINA FRICK (to 30 November 2001) Employees‘ representative OTTO KANTNER Employees‘ representative HERMINE LESSIAK (from 1 December 2001) Employees‘ representative PETER WIMMER Employees‘ representative ALEXANDER GANCZ KURT BAYER State Commissioner Deputy State Commissioner Director Head of Department Federal Ministry of Finance Economic Policy and Integration Federal Ministry of Finance
Board of Management. ALFRED REITER (to 31 December 2001) CEO and Chairman of the Board of Management Born in Vienna (1939); studied at the University for Commerce and Business Administration in Vienna; worked at Creditanstalt-Bankverein and Österreichische Länderbank AG 1958 to 1966; Parliamentary Secretary for Economic Affairs 1966 to 1971; Head of Cabinet of the Federal Chancellor 1972 to 1975; Member of the Board of Management Investkredit Bank AG 1976 to 2001, since 1995, CEO and Chairman of the Board of Management; as from 1 January 2002 Senior Advisor; Chairman of the Supervisory Board of Kommunalkredit Austria AG since 1998. WILFRIED STADLER Member of the Board of Management (to 31 December 2001) CEO and Chairman of the Board of Management (from 1 January 2002) Born in Salzburg (1951); studied economics at the Vienna University of Economics and Business Administration; 1977 to 1983 enterpreneurial experience in his family-owned industrial company; 1983 to 1986 Economics Advisor with the Österreichischer Wirtschaftsbund; since 1987 in the Investkredit Bank AG, initially as Relationship Manager in the Corporate Lending Department, from 1992, Head of Corporate Lending Department; 1990 to 1995 Member of the Board of Management, Kommunalkredit Austria AG; since 1995, Member of the Board of Management, Investkredit Bank AG, since 2002 CEO and Chairman of the Board of Management; author and editor of numerous financial publications; lecturer at the Vienna University of Economics and Business Administration. KLAUS GUGGLBERGER Member of the Board of Management (from 1 January 2002) Board of Management Born in Innsbruck (1954); studied Social and Economic Sciences at the University of Innsbruck; 1980 to 1986, Österreichische Volksbanken-AG, lastly, Senior Vice President and Head of Special Financing Department; 1986 to 1993, Österreichische Länderbank/ Bank Austria-Group, inter alia Manager of LB Leasing Gesellschaft m.b.H. and Chief Executive Officer of Sovereign Leasing, Manchester, England; since 1993, Head of the Investkredit Bank AG Structured Finance and Technical Consulting Department, responsible for Corporate Finance, Financial Analysis and Real Estate; since 2002 Member of the Board of Management; until 2001, Manager of Europa Consult GmbH. THE BANK FOR CORPORATES 9
Page 1 and 2: THE BANK FOR CORPORATES. Annual Rep
Page 3 and 4: CONTENTS. Investkredit at a glance.
Page 5 and 6: INCOME DEVELOPMENT OF THE INVESTKRE
Page 7 and 8: LETTER FROM THE BOARD OF MANAGEMENT
Page 9: Letter from the Board of Management
Page 13 and 14: INVESTKREDIT SHARES. Investkredit s
Page 15 and 16: MANAGEMENT DISCUSSION. The members
Page 17 and 18: Management style allows for quick d
Page 19 and 20: Increase in business volume and ear
Page 21 and 22: Significantly improved capital rati
Page 23 and 24: Ensuring liquidity for corporate cu
Page 25 and 26: A euro financial market is emerging
Page 27 and 28: Deal structuring in the context of
Page 29 and 30: Competent consulting on aid-related
Page 31 and 32: Assistance in the acquisition and d
Page 33 and 34: Issuing focus on strengthening equi
Page 35 and 36: 60% of Austrian local authorities a
Page 37 and 38: Benefiting from advantages of Centr
Page 39 and 40: FINANCIAL STATEMENTS OF THE INVESTK
Page 41 and 42: STATEMENT OF CHANGES IN EQUITY. For
Page 43 and 44: Notes to the financial statements o
Page 45 and 46: (5) LOANS AND ADVANCES. Loans and a
Page 47 and 48: a fluctuation rate of 0% and assume
Page 49 and 50: (23) GENERAL ADMINISTRATIVE EXPENSE
Page 51 and 52: (32) RISK PROVISIONS. Risk provisio
Page 53 and 54: BWG- Investment Extent of investmen
Page 55 and 56: (36) PROPERTY AND EQUIPMENT. in EUR
Page 57 and 58: (42) PROVISIONS. in EUR m 31.12.200
Page 59 and 60: Expenses related to all subordinate
Page 61 and 62:
Local go- Real Disclosure in EUR m
Page 63 and 64:
(51) SUBORDINATED ASSETS. The asset
Page 65 and 66:
(58) FAIR VALUE BALANCE SHEET. Fair
Page 67 and 68:
(65) INFORMATION ON EMOLUMENTS OF A
Page 69 and 70:
Equity capital. Equity held by outs
Page 71 and 72:
REPORT OF THE SUPERVISORY BOARD. In
Page 73 and 74:
Cost-income ratio. Index of the cos
Page 75 and 76:
Own funds to be taken into account.
Page 77 and 78:
INVESTOR RELATIONS. Margot Binder P
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