Financial Key Figures
Financial Key Figures 2008-2012
* restated
Income Statement
| in EUR million | 2012 | 2011 | 2010* | 2009 | 2008 |
| Net interest income | 5,235.0 | 5,569.0 | 5,439.2 | 5,220.9 | 4,913.1 |
| Risk provisions for loans and advances | (1,980.0) | (2,266.9) | (2,021.0) | (2,056.6) | (1,071.4) |
| Net fee and commission income | 1,720.8 | 1,787.2 | 1,842.6 | 1,772.8 | 1,971.1 |
| Net trading result | 273.0 | 122.3 | 321.9 | 585.1 | 114.7 |
| General administrative expenses | (3,756.0) | (3,850.9) | (3,816.8) | (3,807.4) | (4,001.9) |
| Other operating result | (691.6) | (1,682.90) | (441.6) | (453.6) | (1,349.3) |
| Pre-tax profit/loss from continuing operations | 801.2 | (322.2) | 1,324.2 | 1,261.2 | 576.2 |
| Taxes on income | (170,2) | (240.4) | (280.9) | (284.7) | (177.3) |
| Net profit/loss for the period | 631.0 | (562.6) | 1,043.3 | 976.6 | 398.9 |
| Owners of the parent | 483.5 | (718.9) | 878.7 | 903.4 | 859.6 |
Profitability ratios
Balance sheet
Changes in total qualifying capital
| 2012 | 2011 | 2010* | 2009 | 2008 | |
| Cash earnings per share (in EUR) | 2.17 | 0.42 | 2.17 | 2.57 | 2.89 |
| Cash return on equity | 7.6% | 2.3% | 7.0% | 9.7% | 10.1% |
| Cost/income ratio | 52.0% | 51.5% | 50.2% | 50.2% | 57.2% |
| Net interest margin | 2.8% | 2.97% | 3.08% | 3.04% | 2.84% |
| in EUR million | 2012 | 2011 | 2010* | 2009* | 2008 |
| Total assets | 213,824 | 210,006 | 205,770 | 201,513 | 201,441 |
| Cash and balances with central banks | 9,740 | 9,413 | 5,839 | 5,996 | 7,556 |
| Loans and advances to credit institutions | 9,074 | 7,578 | 12,496 | 13,140 | 14,344 |
| Loans and advances to customers | 131,928 | 134,750 | 132,334 | 128,755 | 126,185 |
| Risk provisions for loans and advances | (7,644) | (7,027) | (6,119) | (4,954) | (3,783) |
| Trading assets and derivate financial instruments | 18,467 | 16,807 | 14,044 | 10,760 | 8,371 |
| Financial assets | 42,109 | 38,132 | 34,421 | 34,286 | 34,236 |
| Equity holdings in associates accounted for at equity | 174 | 173 | 223 | 241 | 260 |
| Intangible assets | 2,894 | 3,532 | 4,675 | 4,867 | 4,805 |
| Property and equipment | 2,228 | 2,361 | 2,446 | 2,344 | 2,386 |
| Tax assets | 785 | 818 | 733 | 729 | 859 |
| Other assets | 4,069 | 3,469 | 4,678 | 5,349 | 6,495 |
| Total liabilities and equity | 213,824 | 210,006 | 205,770 | 201,513 | 201,441 |
| Deposits by banks | 21,822 | 23,785 | 20,154 | 26,295 | 34,672 |
| Customer deposits | 123,053 | 118,880 | 117,016 | 112,042 | 109,305 |
| Debt securities in issue | 29,427 | 30,782 | 31,298 | 29,612 | 30,483 |
| Trading liabilities and derivative financial instruments | 11,359 | 9,873 | 8,615 | 4,701 | 3,117 |
| Provisions | 1,488 | 1,580 | 1,545 | 1,670 | 1,620 |
| Tax liabilities | 377 | 379 | 396 | 361 | 389 |
| Other liabilities | 4,637 | 3,764 | 4,350 | 4,989 | 4,713 |
| Subordinated liabilities | 5,323 | 5,783 | 5,838 | 6,148 | 6,047 |
| Total equity | 16,338 | 15,180 | 16,558 | 15,695 | 11,095 |
| Attributable to non-controlling interests | 3,483 | 3,143 | 3,444 | 3,321 | 3,016 |
| Attributable to owners of the parent | 12,855 | 12,037 | 13,114 | 12,374 | 8,079 |
| 2012 | 2011 | 2010* | 2009* | 2008 | |
| Risk-weighted assets pursuant to section 22 Austrian Banking Act ( in EUR m) | 105,323 | 114,019 | 119,844 | 123,891 | 119,976 |
| Qualifying consolidated capital pursuant to sections 23 & 34 Austrian Banking Act | 15.5% | 14.4% | 13,5% | 12.7% | 9.8% |
| Core Tier 1 Ratio | 11.2% | 9.4% | 9.2% | 8.3% | 5.2% |
Group Key Financials Q1 2013 - Q1 2012
Income Statement
| in EUR million | Q4 2013 | Q4 2012 | Q3 2012 | Q2 2012 | Q1 2012 |
| Net interest income | 1,240.6 | 1,266.4 | 1,317.2 | 1,314,8 | 1,336.9 |
| Risk provisions for loans and advances | (402.2) | (514.7) | (483.5) | (401.2) | (580.6) |
| Net fee and commission income | 448.2 | 436.5 | 418.8 | 435.2 | 430.3 |
| Net trading result | 77.8 | 82.0 | 69.9 | 27.9 | 93.6 |
| General administrative expenses | (931.2) | (930.6) | (938.7) | (942.3) | (945.1) |
| Operating result | 835.4 | 854.3 | 867.2 | 835.6 | 915.7 |
| Pre-tax profit/loss from continuing operations | 301.4 | (174.2) | 247.7 | 240.6 | 487.1 |
| Net profit/loss for the period | 235.0 | (113.8) | 193.2 | 151.2 | 379.9 |
Balance sheet
| in EUR million | Mar 2013 | Dez 2012 | Sep 2012 | Jun 2012 | Mar 2012 |
| Total assets | 212,990 | 213,824 | 216,990 | 215,228 | 216,709 |
| Cash and balances with central banks | 7,446 | 9,740 | 8,675 | 5,737 | 5,480 |
Loans and advances to credit institutions | 11,964 | 9,074 | 11,569 | 13,311 | 13,403 |
Loans and advances to customers | 130,335 | 131,289 | 133,507 | 133,944 | 134,793 |
Risk provisions for loans and advances | (7,695) | (7,644) | (7,796) | (7,612) | (7,407) |
Derivate financial instruments | 11,429 | 13,289 | 13,015 | 11,974 | 10,989 |
| Trading assets | 6,512 | 5,178 | 5,186 | 5,953 | 8,116 |
| Financial assets - at fair value | 657 | 716 | 810 | 845 | 1,220 |
| Financial assets - available for sale | 21,190 | 22,418 | 23,142 | 22,514 | 21,675 |
| Financial assets - held to maturity | 19,028 | 18,975 | 18,649 | 17,905 | 17,679 |
| Equity holdings in associates accounted for at equity | 211 | 174 | 169 | 169 | 178 |
| Intangible assets | 2,858 | 2,894 | 3,168 | 3,211 | 3,480 |
| Property and equipment | 2,156 | 2,228 | 2,213 | 2,244 | 2,285 |
| Investment Properties | 1,011 | 1,023 | 1,086 | 1,091 | 1,138 |
| Current tax assets | 133 | 128 | 114 | 117 | 115 |
| Deferred tax assets | 679 | 657 | 542 | 586 | 618 |
| Assets held for sale | 618 | 708 | 95 | 118 | 188 |
Other assets | 4,458 | 2,338 | 3,932 | 4,212 | 3,897 |
| Total liabilities and equity | 212,990 | 213,824 | 216,990 | 215,228 | 216,709 |
Deposits by banks | 20,678 | 21,822 | 25,524 | 24,844 | 25,373 |
Customer deposits | 123,124 | 123,053 | 122,249 | 122,252 | 122,349 |
Debt securities in issue | 29,811 | 29,427 | 29,902 | 30,254 | 32,135 |
| derivative financial instruments | 9,314 | 10,878 | 10,934 | 10,550 | 9,332 |
| Trading liabilities | 368 | 481 | 359 | 431 | 558 |
| Provisions | 1,494 | 1,488 | 1,539 | 1,579 | 1,558 |
| Current tax liabilities | 73 | 53 | 63 | 61 | 52 |
| Deferred tax liabilities | 292 | 324 | 344 | 351 | 360 |
Other liabilities | 6,040 | 4,637 | 5,383 | 4,705 | 4,243 |
| Subordinated liabilities | 5,366 | 5,323 | 4,293 | 4,309 | 4,776 |
| Total equity | 16,430 | 16,338 | 16,400 | 15,892 | 15,973 |
Attributable to non-controlling interests | 3,518 | 3,483 | 3,453 | 3,267 | 3,218 |
| Attributable to owners of the parent | 12,912 | 12,855 | 12,947 | 12,625 | 12,755 |
Key data
| in EUR million | Q1 2013 | Q4 2012 | Q3 2012 | Q2 2012 | Q1 |
| Tier 1 Capital pursuant to Austrian Banking Act | 12,184 | 12,223 | 11,684 | 11,685 | 12,200 |
| Total own funds pursuant to Austrian Banking Act 1 | 16,701 | 16,311 | 14,896 | 15,573 | 16,063 |
| Risk-weighted assets | 105,067 | 105,323 | 108,671 | 108,969 | 111,764 |
| Core Tier 1 ratio (%) | 11.2 | 11.2 | 10.4 | 10.4 | 10.2 |
| Solvency ratio (%) | 15.9 | 15.5 | 13.7 | 14.3 | 14.4 |
| Market capitalisation | 9,480 | 9,480 | 6,852 | 5,803 | 6,714 |
| Book value per share (EUR) | 28.0 | 27.9 | 28,3 | 27.5 | 27.6 |
| Price/book value ratio | 0.9 | 0.9 | 0.6 | 0.5 | 0.6 |
1 Total eligible qualifying capital
