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THE THE BANK BANK FOR FOR CORPORATES CORPORATES 38 Balance sheet BALANCE SHEET OF THE INVESTKREDIT GROUP. ASSETS CHANGE IN EUR 1,000 NOTES 31.12.2001 31.12.2000 IN % Cash and balances with central banks (28) 15,106 4,780 216 % Loans and advances to banks (29) 887,105 661,866 34 % Loans and advances to customers (30) 6,086,376 4,950,232 23 % Risk provisions for loans and advances (7), (32) -69,049 -64,310 7 % Trading assets (8), (33) 93,765 187,169 -50 % Financial investments (34) 3,831,483 2,689,824 42 % Property and equipment (36) 288,786 214,839 34 % Other assets (38) 60,783 59,007 3 % Total assets 11,194,354 8,703,408 29 % LIABILITIES CHANGE IN EUR 1,000 NOTES 31.12.2001 31.12.2000 IN % Amounts owed to banks (39) 2,810,094 2,357,201 19 % Amounts owed to customers (40) 686,532 328,155 109 % Debts evidenced by certificates (41) 6,453,065 5,139,159 26 % Provisions (42) 44,591 40,675 10 % Other liabilities (44) 517,421 324,429 59 % Subordinated capital (45) 291,104 197,087 48 % Minority interests 133,344 22,532 492 % Equity (46) 258,203 294,168 -12 % Total liabilities and equity 11,194,354 8,703,408 29 %
STATEMENT OF CHANGES IN EQUITY. For explanations on changes in the equity, see notes (46) Statement of changes in equity CHANGE IN EUR 1,000 31.12.2001 31.12.2000 2001 Subscribed capital 46,000 46,000 0 Capital reserve 61,047 61,047 0 Retained earnings 142,015 157,038 -14,219 Hedging reserve -7,662 8,842 -16,505 Net profit for the year 23,133 26,760 -3,628 Dividend paid by Investkredit Bank <strong>AG</strong> -6,330 -5,520 -810 Aggregate 258,203 294,168 -35,162 THE THE BANK BANK FOR FOR CORPORATES CORPORATES 39
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 and 10: Letter from the Board of Management
Page 11 and 12: Board of Management. ALFRED REITER
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: FINANCIAL STATEMENTS OF THE INVESTK
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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