A Member of HVB Group

Annual Report 2004
History 

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Preface
Preface from the CEO
Letter from the Chairman of the Supervisory Board
A word of thanks to our employees
BA-CA Group overview
Key figures
Key figures shares
Income statement - 4 years
Balance sheet - 4 years
Income statement CEE
Highlights 2004
Awards 2004
Boards
Erich Hampel
Wolfgang Haller
Willibald Cernko
Stefan Ermisch
Willi Hemetsberger
Regina Prehofer
Johann Strobl
Report of the Supervisory Board
Focus of activity
Board members
Financial statements
Organisation Chart
Business and Strategy
Banking Environment
Global economy and financial markets
Our core markets
Austria
CEE
Financial targets
Medium-term planning process
Value-based management
Implementation
Risk Management
Assessment
Risk exposures
Risk rating
Coverage ratio
Risk structure by region
Portfolio structure by sector
BA-CA on the Stock Markets
Key figures BA-CA share
Growth in value
Stock indices
Shareholder structure
Communication
Investor Relations
Dividend
Corporate Governance
Transparency
Supervisory Board
Managing Board
Compliance and Code of Conduct
Evaluation
Management Report
Income statement
Net interest income
Losses on loans and advances
Net fee and commission income
Trading operations
General administrative expenses
Other positions
Results, profitability and growth
Results
Growth
Proposal for the appropriation of profits
Development of the business segments
Private Customers Austria
Corporate Customers Austria
CEE
International Markets
Corporate Center
Balance sheet
Assets
Liabilities
Capital resources
Outlook
Economic environment and financial markets
Economic developments core markets
Group outlook
Business Segments
Customer Business Austria
Stages of development and strategy
Fit for Sales
New segmentation
Product policy
Financing activities
Investments
Services and e-business
International Corporates
Multinational Corporates
Trade Finance
Structured Finance and Corporate Lending
CA IB
Real Estate Finance
Leasing
International Markets
Strategic development
Market segments
Interest rate and currency products
Asset/liability management
Customer-driven treasury business
Equities
New issue business
Emerging Markets
International awards
Turkey
Outlook
Central and Eastern Europe
Bank market
Network and Position
Strategic development
Private customers
Organisation, IT and Controlling
Outlook
Poland
Business structure
International Markets
Outlook
Czech Republic
Outlook
Slovakia
Outlook
Hungary
Outlook
Slovenia
Outlook
Romania
Outlook
Bulgaria
Hebros Bank
Outlook
Croatia
Outlook
Bosnia and Herzegovina
Outlook
Serbia and Montenegro
Eksimbanka
Outlook
Organisation and IT
Objectives and projects
The “Marktfolge” project
The “Zahlungsverkehr NEU” project
HVB Direkt
GEOS
ORG/IT responsibilities
WAVE
iT Austria
Central and Eastern Europe
Service and support areas
Security
Global procurement
Facility management
Human Resources
New internal service regulations
Personnel marketing
Training programmes
Apprenticeships
Group trainee programmes
Training and e-learning
Sales
Investments
Services
Human resources development
Mentoring
Health and employee safety
Sustainability
Consolidated Financial Statements
Income statement
Key figures
Balance sheet
Changes in shareholders' equity
Cash flow statement
Notes
Accounting principles
Scope of consolidation
Notes to the income statement
Net interest income
Losses on loans and advances
Net fee and commission income
Net trading result
General administrative expenses
Balance of other operating income
Net result from investments
Amortisation of goodwill
Taxes on income
Earnings per share
Notes to the balance sheet
Cash and balances with central banks
Trading assets
Loans
Loan loss provisions
Investments
Property and equipment, intangible assets
Other assets
Amounts owed to banks and customers
Liabilities evidenced by certificates
Trading liabilities
Provisions
Other liabilities
Subordinated capital
Shareholders´ equity
Additional IFRS disclosures
Fair Values
Related party disclosures
Segment reporting
Loans and advances on which interest is not being accrued
Assets pledged as security
Subordinated assets
Assets and liabilities in foreign currency
Trust assets and liabilities
Repurchase agreements
Contingent liabilities and commitments
Selected subsidiaries
Employees
Events after the balance sheet date
Risk report
Overall risk management
Market risk
Liquidity risk
Credit risk
Operational risk
Legal risks
Net charge for losses on loans and advances
Derivatives
Comfort letters
Information required under Austrian law
Legal basis under Austrian law
Supervisory Board and Managing Board
Dividends
Differences IFRS/Austrian accounting principles
Consolidated capital resources
Concluding remarks
Auditors´ report
Office Network/ Disclaimer
Subsidiaries and equity interests
Central and Eastern Europe
Other countries
Imprint/ Disclaimer
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