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- Page 4: THE INVESTKREDIT GROUP The speciali
- Page 9: INVESTKREDIT BANK AG STRUCTURE Wilf
- Page 12 and 13: 08 THE INVESTKREDIT GROUP / STRATEG
- Page 14 and 15: 10 PERFORMANCE DEAR SHAREHOLDER, DE
- Page 16 and 17: 12 PERFORMANCE / LETTER FROM THE BO
- Page 19 and 20: INVESTKREDIT SHARES Investkredit sh
- Page 21: Shareholders as at 31.12.2004 BA-CA
- Page 24 and 25: 20 MANAGEMENT REPORT / MARKET ENVIR
- Page 26 and 27: 22 MANAGEMENT REPORT / DEVELOPMENT
- Page 28 and 29: 24 MANAGEMENT REPORT / BALANCE SHEE
- Page 30 and 31: 26 MANAGEMENT REPORT / RESPONSIBILI
- Page 32 and 33: 28 MANAGEMENT REPORT / RESPONSIBILI
- Page 35 and 36: home for artists in Gugging, the CS
- Page 37: As part of the traditional Alpbach
- Page 40 and 41: 36 MANAGEMENT REPORT / OUTLOOK FOR
- Page 43 and 44: Clear segment structure In accordan
- Page 45: oriented manner from one source. Th
- Page 48 and 49: 44 SEGMENT REPORTING / CORPORATES 3
- Page 51 and 52: Investkredit has set itself a goal
- Page 53: terised by dynamic growth. For exam
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52 SEGMENT REPORTING / CORPORATES h
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Ko sees itself as a partner in all
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accounts via the Internet. Qualitat
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60 SEGMENT REPORTING / LOCAL GOVERN
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62 SEGMENT REPORTING / LOCAL GOVERN
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REAL ESTATE Structure The real esta
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40 30 20 10 FACTORS OF INCREASED EA
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Research Center”, “Airport Busi
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EUROPOLIS’S REAL ESTATE BY REGION
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BALANCE SHEET OF THE INVESTKREDIT G
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CASH FLOW STATEMENT in EUR 1,000 20
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NOTES / ACCOUNTING AND VALUATION PR
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NOTES / ACCOUNTING AND VALUATION PR
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(15) Trading liabilities NOTES / AC
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Presentation of results by segment
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Presentation of results by region 2
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(22) Trading result NOTES / INCOME
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(27) Appropriation of profits NOTES
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(33) Risk provisions for loans and
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(36) Disclosure of equity investmen
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Name and registered office NOTES /
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(39) Other assets NOTES / BALANCE S
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NOTES / BALANCE SHEET by active emp
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NOTES / BALANCE SHEET insignificanc
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NOTES / OTHER DETAILS AND RISK REPO
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(57) Derivative financial transacti
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(60) Market risk arising from tradi
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(63) Operational risks NOTES / OTHE
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(67) Events after the balance sheet
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AUDITOR’S REPORT AND OPINION We h
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REPORT OF THE SUPERVISORY BOARD KPM
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CAPITAL ADEQUACY DIRECTIVE EU Direc
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EUROSTOXX BANKS This is the stock i
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KYOTO PROTOCOL Protocol to the Fram
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lated by reference to the ratio bet
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UNDERWRITING The obligation on a le
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Information on the Internet CORPORA
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INVESTKREDIT GROUP KEY FIGURES 1995
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PHOTO CONCEPT FOR 2004: THE REPORT