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THE BANK FOR CORPORATES Notes 60 (49) BREAKDOWN BY REMAINING MATURITY. Breakdown by remaining maturity as at 31 December 2001: Repayable Up to 3 months 1 to 5 More than in EUR m on demand 3 months to 1 year years 5 years Loans and advances to banks 72 371 75 204 165 Loans and advances to customers 58 146 170 1,292 4,420 Securities – trading assets 5 0 0 1 20 Securities – available for sale 47 9 14 273 1,204 Securities – held to maturity 387 1 34 454 864 Securities – micro hedges 0 17 17 32 56 Aggregate 571 543 309 2,256 6,729 Amounts owed to banks 59 1,276 930 81 464 Amounts owed to customers 337 150 47 43 110 Debts evidenced by certificates 116 162 270 3,460 2,444 Subordinated capital 1 0 7 85 198 Aggregate 513 1,588 1,254 3,669 3,216 Breakdown by remaining maturity as at 31 December 2000 (Comparative figures): Repayable Up to 3 months 1 to 5 More than in EUR m on demand 3 months to 1 year years 5 years Loans and advances to banks 40 169 69 211 173 Loans and advances to customers 127 85 83 1,269 3,385 Securities – trading assets 6 0 0 35 75 Securities – available for sale 77 9 11 194 713 Securities – held to maturity 205 1 35 286 657 Securities – micro hedges 0 8 14 36 36 Aggregate 455 274 211 2,032 5,040 Amounts owed to banks 143 1,346 528 143 198 Amounts owed to customers 48 77 20 71 113 Debts evidenced by certificates 80 136 130 2,567 2,227 Subordinated capital 0 0 0 91 107 Aggregate 270 1,558 678 2,872 2,644 Remaining maturity is the period between the balance sheet date and the date on which the claim or liability becomes contractually due, and, in the case of partial amounts, is calculated separately for each part. Deferred interest is accounted for under the period ”Up to 3 months”. (50) LOANS AND ADVANCES TO, AND AMOUNTS OWED TO, RELATED ENTERPRISES AND ENTERPRISES IN WHICH AN EQUITY INVESTMENT IST HELD. in EUR m Loans and advances to banks 31.12.2001 31.12.2000 Related enterprises 3 0 Investments Loans and advances to customers 0 0 Related enterprises 45 46 Investments Amounts owed to banks 87 110 Related enterprises -3 0 Investments Amounts owed to customers 0 0 Related enterprises -4 -10 Investments -4 -9
(51) SUBORDINATED ASSETS. The assets shown Durchschnitt on the balance sheet include the following Durchschnitt subordinated assets: in EUR m 31.12.2001 31.12.2000 Loans and advances to banks 12 12 Loans and advances to customers 0 0 Fixed-income securities 34 35 Variable-yield securities 0 0 Aggregate 46 46 (52) ASSETS ASSIGNED AS COLLATERAL. The Investkredit Group has furnished claims amounting to EUR 125 m (2000: EUR 114 m) as security for global loans by the European Investment Bank, Luxembourg. Moreover, it has assigned claims in the amount of EUR 37 m to Oesterreichische Kontrollbank Aktiengesellschaft. For trading at the Frankfurt and London Stock Exchanges, EUR 6 m have been furnished as security. (53) CONTINGENT LIABILITIES AND OTHER OFF-BALANCE-SHEET LIABILITIES. in EUR m 31.12.2001 31.12.2000 Contingent liabilities ERP bills 176 197 Guarantees 396 570 Other 0 0 Aggregate 573 767 Other liabilities Credit lines and promises 461 316 Liabilities from repurchase agreements 0 0 Other 0 0 Aggregate 461 316 (54) OTHER LIABILITIES. Investkredit and Kommunalkredit are required pursuant to § 93 of the Austrian Banking Act to undertake proportionate safeguarding of depositors’ accounts in the framework of the relevant programme of Banken und Bankiers GmbH, Vienna. On the basis of leasing agreements, liabilities in the amount of EUR 0.3 m will be incurred in the year 2002 (previous year for 2001: EUR 0.2 m). The corresponding liabilities for the years 2002 to 2006 are EUR 0.9 m (previous year for 2001 to 2005: EUR 0.6 m). (55) TRUST ACTIVITIES. The breakdown of trust activities not shown in the balance sheet is as follows: in EUR m 31.12.2001 31.12.2000 Loans and advances to banks 3 1 Loans and advances to customers 189 202 Financial investments 3 21 Trust assets 195 224 Amounts owed to banks 0 0 Amounts owed to customers -195 -226 Trust liabilities -195 -226 Notes THE BANK FOR CORPORATES 61
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 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: Local go- Real Disclosure in EUR m
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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