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&).,!(+)2.4 %-/)/*-). ’+1023 $"#"

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Half-Yearly Financial Report at 30 June 2010

Interim Management Report at 30 June 2010

Bank Austria - Half-Yearly Financial Report 2010

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Interim Management Report at 30 June 2010

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Bank Austria - Half-Yearly Financial Report 2010

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Interim Management Report at 30 June 2010

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Interim Management Report at 30 June 2010

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(OA)#Zg]#BhkihkZm^#'#Hgo^lmf^gm#AZgdbg`#(BHA)#Cboblbhgl.#Sabl#\hkk^lihg]l#mh#ma^#k^`bhg#h_#@nlmkbZ#pbmahnm#ma^#BhkihkZm^#B^gm^k,#pab\a#i^k_hkfl#bfihkmZgm#fZgZ`^f^gm#Zg]#lniihkm#

_ng\mbhgl#Zelh#_hk#ma^#BDD#Cboblbhg.##

Bank Austria - Half-Yearly Financial Report 2010

Interim Management Report at 30 June 2010

'15,4.07),32457*57%"7(61,7$"#"

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Bank Austria - Half-Yearly Financial Report 2010

Interim Management Report at 30 June 2010

'15,4.07),32457*57%"7(61,7$"#"

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Bank Austria - Half-Yearly Financial Report 2010

Interim Management Report at 30 June 2010

'15,4.07),32457*57%"7(61,7$"#"

**5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)

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Bank Austria - Half-Yearly Financial Report 2010

Interim Management Report at 30 June 2010

'15,4.07),32457*57%"7(61,7$"#"

*+5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)

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[nlbg^ll#l^`f^gm#bm#pZl#g^`Zmbo^,#Zm#y#t#20#f,#Z_m^k#t#183#f.##

Bank Austria - Half-Yearly Financial Report 2010

Interim Management Report at 30 June 2010

'15,4.07),32457*57%"7(61,7$"#"

*,5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)

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#

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#

Bank Austria - Half-Yearly Financial Report 2010

Interim Management Report at 30 June 2010

'15,4.07),32457*57%"7(61,7$"#"

*-5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)

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p^k^#k!.,,*1!S^,#ni#[r#t#6.0#[g#hk#3.1&#hg#r^Zk-^g]#2009.#

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bg\k^Zl^.#y#Sa^#lZe^#h_#TgbBk^]bm#B@HA#bg#Ing^#2010,#\Zkkb^]#hnm#Z_m^k#

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Hg#ma^#[ZeZg\^#la^^ml#Zl#Zm#31#C^\^f[^k#2009#Zg]#Zl#Zm#30#Ing^#

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ma^#[khd^kZ`^#_bkf#TgbBk^]bm#B@HA#R^\nkbmb^l#TJ#Km].#p^k^#\hgmZbg^]#

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Bank Austria - Half-Yearly Financial Report 2010

Interim Management Report at 30 June 2010

'15,4.07),32457*57%"7(61,7$"#"

*.5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)

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t#10.0#[g#(+9.6&).#EVd!TR`ZdR\!bVc_ebTVc#Zl#Zm#30#Ing^#2010#

p^k^#t#15.3#[g,#ni#[r#t#2.8#[g#hk#22.0&#hg#ma^#r^Zk-^g]#2009#

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t#2.0#[g#Zm#TgbBk^]bm#AZgd#@nlmkbZ#@F#bg#ma^#_bklm#jnZkm^k#h_#2010,#

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pbma#ma^#^g]#h_#2009.#Sa^#Bhk^#Sb^k#1#\ZibmZe#kZmbh#(Sb^k#1#\ZibmZe#

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ShmZe#\ZibmZe#kZmbh 12.63& 11.29&

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Bank Austria - Half-Yearly Financial Report 2010

Interim Management Report at 30 June 2010

'15,4.07),32457*57%"7(61,7$"#"

*/5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)

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M^m#ghg-bgm^k^lm#bg\hf^ 212 199 +13 +7&

Ni^kZmbg`#bg\hf^ 543 543 y1 y0&

Ni^kZmbg`#^qi^gl^l y393 y399 +6 y1&

Ni^kZmbg`#ikh_bm 150 145 +5 +4&

M^m#pkbm^]hpgl#h_#ehZgl y119 y126 +7 y6&

Nma^k#ghg-hi^kZmbg`#bm^fl 10 6 +4 +76&

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Bank Austria - Half-Yearly Financial Report 2010

Interim Management Report at 30 June 2010

'15,4.07),32457*57%"7(61,7$"#"

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]^o^ehif^gml)#ikhfim^]#\nlmhf^kl#mh#Z\m#pbma#`k^Zm#k^lmkZbgm.##

Rmh\d#fZkd^m#i^k_hkfZg\^#]^\ebg^]#bg#Zee#l^\mhkl#bg#eh\Ze#\nkk^g\r#bg#

G1#2010#(LRBH#Vhke];#y7.8&,#AQHB#y8.2&,#R'O500;#y7.6&,#

Dnkh#Rmhqq#y10.3&,#@SW;#y8.7&).#A^g\afZkd#`ho^kgf^gm#[hg]l,#

pahl^#i^k_hkfZg\^#(10-r^Zk#^nkh#[^g\afZkd#+8.8&,#ghm#ZggnZe-

bl^])#^q\^^]^]#ma^#mhmZe#k^mnkg#h_#\hkihkZm^#[hg]l#(+3.7&,#b[hq#

ghg-_bgZg\bZe#AAA),#[^g^_bm^]#_khf#ma^#]^[m#\kblbl#h_#ma^#Dnkhi^Zg#

wi^kbia^kZe#\hngmkb^lx.#O^k_hkfZg\^#pZl#]kbo^g#[r#ma^#TR#]heeZk#bg#

iZkmb\neZk#(+17.0&),#Z#]^o^ehif^gm#y#pab\a#aZl#bg#ma^#f^Zgmbf^#

iZkmbZeer#ln[lb]^]#y#maZm#k^_e^\m^]#ma^#ng\^kmZbgmr#ik^oZbebg`#Zm#ma^#

mbf^,#Zl#]b]#ma^#13.3&#kbl^#h_#ma^#`he]#ikb\^#mh#TR%#1,241#i^k#

hng\^#Zl#h_#ma^#^g]#h_#Ing^.

Vabe^#\nlmhf^kl#\hgmbgn^]#mh#bgo^lm#Z#ln[lmZgmbZe#ikhihkmbhg#h_#ma^bk#

ihkm_hebh#bg#]bk^\m#]^ihlbml,#ma^r#lahp^]#Z#ik^_^k^g\^#_hk#l^\nkbmb^l#

Zg]#fZgZ`^]#ihkm_hebhl#\hfiZk^]#pbma#LZk\a#2010.#Cbk^\m#]^ihlbml#

Zl#Z#i^k\^gmZ`^#h_#mhmZe#bgo^lmf^gm#ohenf^#]^\ebg^]#_khf#39&#mh#

32&.#Nnk#g^p#AZgd#@nlmkbZ#OkboZm^#Ohkm_hebh#OQDLHTL#l^kob\^#iZ\d-

Z`^#y#Z#mkZgliZk^gm#_eZm#_^^#fh]^e#y#bl#Zg#bgbmbZmbo^#mZd^g#mh#lmbfneZm^#

bgo^lmf^gm#Z\mbobmr.#@g#bgbmbZe#_ZohnkZ[e^#k^lihgl^#mh#ma^#bgbmbZmbo^#bl#

Zek^Z]r#]bl\^kgb[e^.#Hg#ma^#\hgm^qm#h_#Zll^m#fZgZ`^f^gm#Z]oblhkr#

l^kob\^l,#ma^#l^kob\^#iZ\dZ`^#ebgdl#bg-]^ima#ZgZerlbl#Zg]#Z]ob\^#pbma#

Z#\nlmhf-mZbehk^]#bgo^lmf^gm#lmkZm^`r,#Zg]#bl#ZoZbeZ[e^#_hk#ihkm_hebhl#

pbma#Z#fbgbfnf#oZen^#h_#t#50,000.#Bnlmhf^kl#\Zg#\ahhl^#_khf#_bo^#

mri^l#h_#bgo^lmf^gm#h_#oZkrbg`#kbld#bgm^glbmr#Zg]#k^lihg]#mh#ma^#\nk-

k^gm#ikhihlZel#h_#ma^bk#k^eZmbhglabi#fZgZ`^k.#

K_dR\!WZ^R^TZR\!RccVdc!h_#ma^#Cboblbhg#(R\ah^ee^k[Zgd#Zg]#AZgd#@nlmkbZ#

OkboZm^#AZgdbg`)#aZk]er#\aZg`^]#ho^k#r^Zk-^g]#2009#Zg]#p^k^#

k!-2*0!S^#Zm#ma^#^g]#h_#Ing^#2010.#F`VbRdZ^X!Z^T_]V#(t#71#f)#

pZl#6&#ni#hg#ma^#_b`nk^#_hk#ma^#_bklm#aZe_#h_#2009.#Hg#ebg^#pbma#ma^#

gZmnk^#h_#ikboZm^#[Zgdbg`#[nlbg^ll,#g^m#_^^l#Zg]#\hffbllbhgl##

(Z\\hngmbg`#_hk#69&#h_#hi^kZmbg`#bg\hf^)#fZ]^#ma^#fZbg#\hgmkb[n-

mbhg#mh#ho^kZee#k^lneml#h_#ma^#OA#Cboblbhg,#kblbg`#[r#13&#hk#t#6#f#mh#

t#49#f.#Hg#Z]]bmbhg#mh#ma^#ni-_khgm#_^^l#_khf#ma^#Cboblbhgvl#\hgmbgn^]#

ln\\^ll#bg#ieZ\bg`#bml#ikh]n\ml,#Z#g^p#bglnkZg\^#ikh]n\m#eZng\a^]#

[r#R\ah^ee^k[Zgd#f^m#pbma#Z#_ZohnkZ[e^#k^lihgl^#_khf#bgm^kgZmbhgZe#

\nlmhf^kl.#M^m#bgm^k^lm#bg\hf^#(t#21#f)#]^\ebg^]#[r#Z[hnm#hg^-

jnZkm^k#\hfiZk^]#pbma#ma^#_bklm#aZe_#h_#2009,#k^_e^\mbg`#ma^#lab_m#bg#

ihkm_hebh#bgo^lmf^gml#Zm#ma^#^qi^gl^#h_#ebjnb]bmr.#

@m#t#49#f#bg#ma^#_bklm#aZe_#h_#2010#Z_m^k#t#47#f#bg#ma^#^jnboZe^gm#

#i^kbh]#h_#ma^#ik^obhnl#r^Zk,#_`VbRdZ^X!Vh`V^cVc#k^fZbg^]#lmZ[e^#

ZiZkm#_khf#ma^#\hglheb]Zmbhg#^__^\m#f^gmbhg^]#Z[ho^.#Mhg-hi^kZmbg`#

bm^fl#p^k^#\ehl^#mh#gbe,#Z`Zbg#k^_e^\mbg`#ma^#gZmnk^#h_#mabl#[nlbg^ll#

l^`f^gm.#Gb_WZd!SVW_bV!dRh,#ebd^#hi^kZmbg`#ikh_bm,#lahp^]#Z#fZkd^]#

bfikho^f^gm#ho^k#G1#2009,#kblbg`#[r#9&#mh#t#22#f.#Hg#ma^#_bklm#aZe_#

h_#2010,#ma^#]^o^ehif^gm#h_#kbld-p^b`am^]#Zll^ml#Zg]#\ZibmZe#Zeeh-

\Zm^]#mh#ma^#Cboblbhg#k^_e^\m^]#ma^#\aZg`^#bg#ma^#Cboblbhgvl#k^lihglb-

[bebmb^l#(mkZgl_^k#h_#ik^obhnl#ikh]n\mbhg#_ng\mbhgl#_hk#ma^#[Zgd#mh#hma^k#

Cboblbhgl#Zg]#mh#OH@).#Q^mnkg#hg#^jnbmr#[^_hk^#mZq#bfikho^],#[hma#Zl#Z#

k^lnem#h_#ma^#k^o^gn^#bg\k^Zl^#Zg]#ma^#ehp^k#e^o^e#h_#\ZibmZe#Zeeh\Zm^]#

mh#ma^#Cboblbhg#(y19&),#mh#36.0&#i^k#Zggnf#(G1#2009;#26.7&).##

Bank Austria - Half-Yearly Financial Report 2010

Interim Management Report at 30 June 2010

'15,4.07),32457*57%"7(61,7$"#"

*15LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)

6Z][Z]L_P!#!=YaP^_XPY_!5LYVTYR!$6=5%$f!X% ?-!-, ?-!,5! 9?7E><

M^m#bgm^k^lm#bg\hf^ 474 840 y366 y44&

M^m#ghg-bgm^k^lm#bg\hf^ 233 71 +163 +230&

Ni^kZmbg`#bg\hf^ 707 910 y204 y22&

Ni^kZmbg`#^qi^gl^l y218 y235 +17 y7&

Ni^kZmbg`#ikh_bm 488 675 y187 y28&

M^m#pkbm^]hpgl#h_#ehZgl y84 y170 +86 y51&

Nma^k#ghg-hi^kZmbg`#bm^fl 2 y6 +8 y125&

Gb_WZd!SVW_bV!dRh 0,2 054 p 5. p-4"

KhZgl#mh#\nlmhf^kl#(Zo`.)# 45,722 49,383 y3,661 y7&

Qbld-p^b`am^]#Zll^ml#(Zo`.)# 30,622 34,108 y3,486 y10&

@o^kZ`^#^jnbmr# 8,006 7,623 +383 +5&

Sa^#ho^kZee#i^k_hkfZg\^#h_#ma^#BhkihkZm^#'#Hgo^lmf^gm#AZgdbg`#Cbob-

lbhg#bfikho^]#fZkd^]er#bg#ma^#\hnkl^#h_#ma^#_bklm#lbq#fhgmal#h_#2010;#

k^o^gn^l,#hi^kZmbg`#ikh_bm#Zg]#ikh_bm#[^_hk^#mZq#p^k^#p^ee#ni#_khf#ma^#

ehp#e^o^el#h_#P4#2009.#Sabl#bl#Zmmkb[nmZ[e^#mh#Z#ln\\^ll_ne#l^\hg]#

jnZkm^k#h_#2010,#pab\a#lZp#Z#kbl^#bg#k^o^gn^l,#]^\ebgbg`#\hlml#Zg]#Z#

_Zee#bg#ma^#ikhoblbhgbg`#\aZk`^.#Okh_bm#[^_hk^#mZq#_hk#ma^#l^\hg]#jnZkm^k#

h_#2010#pZl#t#252#f<#mabl#pZl#64&#ni#hg#ma^#ik^obhnl#jnZkm^k,#1.8#

mbf^l#ma^#_b`nk^#_hk#P4#2009,#Zg]#fhk^#maZg#]hn[e^#ma^#P2#2009#k^-

lnem.#Gb_WZd!SVW_bV!dRh#_hk#ma^#_bklm#aZe_#h_#2010#\Zf^#mh#k!0,2!],#

t#92#f#hk#18&#[^ehp#ma^#^q\^imbhgZeer#`hh]#k^lnem#_hk#ma^#_bklm#lbq#

fhgmal#h_#2009.#Sabl#k^_e^\ml#ma^#[Zl^#^__^\m#f^gmbhg^]#l^o^kZe#mbf^l#

bg#mabl#k^ihkm,#^li^\bZeer#Zl#ma^#\hfiZkblhg#pbma#ma^#_bklm#aZe_#h_#2009#

bg\en]^l#o^kr#ab`a#g^m#bgm^k^lm#bg\hf^#_khf#mkZ]bg`#Z\mbobmb^l#bg#ma^#

^Zker#iZkm#h_#2009.#AZl^]#hg#mabl#ab`a#e^o^e#h_#g^m#bgm^k^lm#bg\hf^,#bg-

m^k^lm#bg\hf^#_khf#mk^Zlnkr#Z\mbobmb^l#Zg]#bgm^k^lm#kZm^#fZgZ`^f^gm#

(bgm^k^lm-[Zl^]#ikh]n\ml),#ma^#wBhngm^kiZkmlx#Okh]n\m#Kbg^#Z\ab^o^]#Z#

ikh_bm#[^_hk^#mZq#h_#t#351#f#bg#ma^#_bklm#lbq#fhgmal#h_#2009,#\hfiZk^]#

pbma#Z#_b`nk^#h_#t#196#f#bg#ma^#_bklm#aZe_#h_#2010.#Sabl#\hgmkZ\mbhg#h_#

t#155#f#^qieZbgl#ma^#^gmbk^#]^\ebg^#h_#t#92#f#bg#ikh_bm#[^_hk^#mZq#Zm#

]boblbhgZe#e^o^e#\hfiZk^]#pbma#G1#2009.#Sa^#]^\ebg^#pZl#Z\\^gmnZm^]#

[r#ma^#k^]n\mbhg,#bg#ebg^#pbma#lmkZm^`r,#h_#ikhikb^mZkr#mkZ]bg`#Z\mbobmb^l.

TgbBk^]bm#B@HA,#pab\a#pZl#lhe]#pbmabg#TgbBk^]bm#Fkhni#bg#Ing^,#k^ik^-

l^gm^]#Z#d^r#\hfihg^gm#h_#ma^#wBhngm^kiZkmlx#Okh]n\m#Kbg^#(l^^#iZ`^#

7#h_#ma^#k^ihkm).#Sa^#\hfiZkZmbo^#bg\hf^#lmZm^f^gm#h_#ma^#[nlbg^ll#

l^`f^gm#_hk#G1#2009#pZl#k^lmZm^]#Zg]#manl#Z]cnlm^]#mh#ma^#`khni#h_#

\hglheb]Zm^]#\hfiZgb^l#bg#ma^#k^ihkmbg`#i^kbh].#TgbBk^]bm#B@HA#bl#\hg-

l^jn^gmer#bg\en]^]#bg#ma^#]ZmZ#_hk#ma^#_bklm#_bo^#fhgmal#_hk#2009#Zg]#

2010,#k^li^\mbo^er#(l^^#ghm^#(41)#hg#iZ`^l#53#mh#57#h_#ma^#k^ihkm).#

EVd!Z^dVbVcd!h_#ma^#BHA#Cboblbhg#_hk#ma^#_bklm#aZe_#h_#2010#Zfhngm^]#mh#

t#449#f,#pbma#ma^#wM^mphkdx#ln[-l^`f^gm,#pab\a#k^ik^l^gml#\hf-

f^k\bZe#[Zgdbg`#[nlbg^ll,#Z\\hngmbg`#_hk#t#300#f#(4&#ni#hg#G1#

2009).#BhkihkZm^#[Zgdbg`#[nlbg^ll#bg#@nlmkbZ#(M^mphkd#@nlmkbZ)#pZl#

\aZkZ\m^kbl^]#[r#p^Zd^k#]^fZg]#_hk#\k^]bm<#ma^#leb`am#bfikho^f^gm#bg#

bgm^k^lm#lik^Z]l#pZl#bgln__b\b^gm#mh#h__l^m#mabl#mk^g].#Sa^#mk^g]#bg#]^-

ihlbml#pZl#cnlm#ma^#hiihlbm^;#Zo^kZ`^#ohenf^#h_#lb`am#Zg]#mbf^#]^ihl-

bml#pZl#ab`a^k#bg#G1#2010#\hfiZk^]#pbma#G1#2009#(ni#[r#3&),#pabe^#

bgm^k^lm#lik^Z]l#gZkkhp^]#[r#fhk^#maZg#hg^-jnZkm^k#ho^k#ma^#ik^obhnl#

r^Zk#]n^#mh#Z#]^\ebg^#bg#bgm^k^lm#kZm^l#hg#\nlmhf^k#[nlbg^ll#Zg]#k^_^k-

^g\^#kZm^#]^o^ehif^gml.#Sa^#\hgmkb[nmbhg#mh#g^m#bgm^k^lm#_khf#]^ihlbm#

[nlbg^ll#\hgmkZ\m^]#bg#ebg^#pbma#mabl#mk^g].#Cbob]^g]#bg\hf^#Zg]#hma^k#

bg\hf^#_khf#^jnbmr#bgm^k^lml#pZl#g^`Zmbo^#bg#ma^#_bklm#lbq#fhgmal#h_#

2009#(y t#22#f)#[nm#ihlbmbo^#bg#G1#2010#(+25&).#Sa^#k^o^klZe#bl#^q-

ieZbg^]#[r#Zg#bfikho^f^gm#bg#ma^#k^Ze#^lmZm^#l^\mhk#Zg]#[r#ma^#^jnbmr#

bgm^k^lm#a^e]#bg#N^lm^kk^b\abl\a^#Jhgmkhee[Zgd#@F.#No^kZee,#g^m#bgm^k^lm#

bg\hf^#_hk#ma^#_bklm#aZe_#h_#2010#Zfhngm^]#mh#t#474#f,#]hpg#[r#44&#

hg#G1#2009.#EVd!WVVc!R^U!T_]]ZccZ_^c!khl^#laZkier#bg#ma^#l^\hg]#

jnZkm^k#h_#2010#(+14&),#`kZ]nZeer#fhobg`#ni#_khf#ma^#ehp#e^o^e#

k^Z\a^]#bg#ma^#Z_m^kfZma#h_#ma^#_bgZg\bZe#fZkd^m#\kblbl#Zg]#Zl#Z#k^lnem#

h_#ma^#k^\^llbhg#bg#ma^#fb]]e^#h_#2009.#Hg#ma^#_bklm#aZe_#h_#2010,#g^m#

_^^l#Zg]#\hffbllbhgl#Zfhngm^]#mh#t#172#f,#14&#ni#hg#ma^#e^o^e#h_#

ma^#ik^obhnl#r^Zk.#Sa^#bg\k^Zl^#pZl#fhlmer#`^g^kZm^]#[r#hg^-mbf^#

ehZg#\hffbllbhgl#bg#[nlbg^ll#pbma#eZk`^#\hkihkZm^#\nlmhf^kl,#Zg]#[r#

_^^l#_hk#lZ_^-\nlmh]r#l^kob\^l,#pabe^#g^m#_^^l#Zg]#\hffbllbhgl#_khf#

l^\nkbmb^l#[nlbg^ll#Zg]#[nlbg^ll#pbma##]^kboZmbo^l#p^k^#lmbee#ehp^k#maZg#

bg#ma^#ik^obhnl#r^Zk.#Eheehpbg`#ma^#g^m#ehll^l#l^^g#bg#2009,#ma^!^Vd!

dbRUZ^X(!YVUXZ^X!R^U!WRZb!fR\eV!bVce\d!pZl#Z`Zbg#ihlbmbo^#bg#ma^#_bklm#

lbq#fhgmal#h_#2010,#Zm#t#56#f.#Sa^#k^o^klZe#k^ik^l^gml#Zg#bfikho^-

f^gm#h_#t#143#f.#Hg#ma^#_bklm#aZe_#h_#2010,#_`VbRdZ^X!Vh`V^cVc#p^k^#

7&#ehp^k#maZg#bg#ma^#lZf^#i^kbh]#h_#ma^#ik^obhnl#r^Zk.#Sa^#]^\ebg^#bl#

iZkmer#Z#k^lnem#h_#k^]n\^]#iZrkhee#\hlml.#Sa^#\hlm / bg\hf^#kZmbh#pZl#

20.9&#(G1#2009;#25.8&#]n^#mh#ab`a#k^o^gn^l).#F`VbRdZ^X!`b_WZd#_hk#

ma^#_bklm#lbq#fhgmal#h_#2010#pZl#t#488#f.#

Hg#ma^#_bklm#aZe_#h_#2010,#^Vd!gbZdVU_g^c!_W!\_R^c!R^U!`b_fZcZ_^c!W_b!

XeRbR^dVVc!R^U!T_]]Zd]V^dc#]^\ebg^]#mh#t#84#f#_khf#t#170#f##

bg#ma^#ik^obhnl#r^Zk.#Sa^#\hlm#h_#kbld#pZl#37#[Zlbl#ihbgml#([i)#_hk#

G1#2010,#]hpg#_khf#69#[i#bg#G1#2009.#Sa^#k^]n\mbhg#bl#iZkmer#^q-

ieZbg^]#(mh#ma^#^qm^gm#h_#e^ll#maZg#hg^#aZe_)#[r#ma^#k^e^Zl^#h_#Z#ikhob-

lbhg#_hk#Z#eZk`^#ehZg,#pab\a#]h^l#ghm#]bfbgbla#ma^#_ZohnkZ[e^#ib\mnk^.#

D\hghfb\#mk^g]l#aZo^#pbmahnm#]hn[m#lniihkm^]#ma^#Z\mbobmb^l#h_#

#@nlmkbZvl#^qihkm-hkb^gm^]#bg]nlmkbZe#\hfiZgb^l#Zg]#ma^bk#lniieb^kl.##

Hg#[nlbg^ll#pbma#f^]bnf-lbs^]#\hfiZgb^l,#ma^#^Zker#b]^gmb_b\Zmbhg#h_#

ikh[e^fl,#ma^#nl^#h_#ZgZerlbl#mhhel#ln\a#Zl#Vhkdbg`BZibmZeBa^\d#hk#

U^kl\ane]ng`lJZiZsbm}mlQ^\ag^k#(Z#[hkkhpbg`#\ZiZ\bmr#\Ze\neZmhk),##

Zg]#k^lmkn\mnkbg`#^__hkml#ikho^]#mh#[^#^__^\mbo^.#Hg#ma^#_bklm#aZe_#h_#

2010,#ma^#BHA#Cboblbhg#Z\ab^o^]#Z!ikh_bm#[^_hk^#mZq#h_#t#406#f.##

Sabl#\hkk^lihg]l#mh#42&#h_#ma^#[nlbg^ll#l^`f^gm#k^lneml#pbmahnm#ma^#

BhkihkZm^#B^gm^k.##

@o^kZ`^#bZc[)gVZXYdVU!RccVdc#(k^lmZm^])#ng]^k#AZl^e#HH#(t#30.6#[g)#

p^k^#10&#ehp^k#maZg#Z#r^Zk#^Zkeb^k.#Sabl#]^\ebg^#k^lnem^]#fhlmer#_khf#

ma^#k^lmkn\mnkbg`#h_#mkZ]bg`#Z\mbobmb^l#Zg]#_khf#\aZg`^l#bg#ma^#]boblbhg#

h_#eZ[hnk#pbmabg#TgbBk^]bm#Fkhni,#pbma#fZkd^m#kbld#bg#BHA#[^bg`#k^]n\^]#

[r#61&.#Hg#Z\\hk]Zg\^#pbma#ma^#]nZe#f^mah]heh`r#Ziieb^]#[r#TgbBk^]bm,#

^jnbmr#\hgmZbgl#ma^#Z\mnZe#HEQR#\ZibmZe#h_#ma^#ln[lb]bZkb^l#Zeeh\Zm^]#mh#

mabl#[nlbg^ll#l^`f^gm<#mabl#k^lneml#bg#Z#lb`gb_b\Zgm#ho^k\ZibmZeblZmbhg#

\hfiZk^]#pbma#^jnbmr#\Ze\neZm^]#hg#ma^#[Zlbl#h_#kbld-p^b`am^]#Zll^ml.#

AZl^]#hg#^jnbmr#\Ze\neZm^]#hg#ma^#[Zlbl#h_#QV@l,#ma^#Cboblbhg#`^g^k-

Zm^]#Z#k^mnkg#hg#^jnbmr#[^_hk^#mZq#h_#40.6&.

Bank Austria - Half-Yearly Financial Report 2010

Interim Management Report at 30 June 2010

'15,4.07),32457*57%"7(61,7$"#"

*25LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)

6PY_]LW!8L^_P]Y!8`]Z[P!$688%$f!X% ?-!-, ?-!,5! 9?7E>< 7;A*&%!

M^m#bgm^k^lm#bg\hf^ 1,601 1,492 +108 +7& +3&

M^m#ghg-bgm^k^lm#bg\hf^ 617 904 y287 y32& y36&

Ni^kZmbg`#bg\hf^ 2,218 2,396 y179 y7& y11&

Ni^kZmbg`#^qi^gl^l y1,033 y 956 y77 +8& +4&

Ni^kZmbg`#ikh_bm 1,185 1,440 y255 y18& y22&

M^m#pkbm^]hpgl#h_#ehZgl y691 y707 +16 y2& y4&

Nma^k#ghg-hi^kZmbg`#bm^fl 1 y13 +14 g.f. g.f.

Gb_WZd!SVW_bV!dRh 051 3., p..2 p/-" p/4"

KhZgl#mh#\nlmhf^kl#(Zo`.)# 60,564 60,937 y373 y1& y4&

Qbld-p^b`am^]#Zll^ml#(Zo`.)# 72,575 73,454 y880 y1& y5&

@o^kZ`^#^jnbmr# 10,953 9,753 +1,200 +12& +8&

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2010#p^k^#o^kr#ehp.

#

Bank Austria - Half-Yearly Financial Report 2010

Interim Management Report at 30 June 2010

'15,4.07),32457*57%"7(61,7$"#"

+)5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)

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;9$#"#9)2

Bank Austria - Half-Yearly Financial Report 2010

Interim Management Report at 30 June 2010

'15,4.07),32457*57%"7(61,7$"#"

+*5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)

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Bank Austria - Half-Yearly Financial Report 2010

Interim Management Report at 30 June 2010

'15,4.07),32457*57%"7(61,7$"#"

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Bank Austria - Half-Yearly Financial Report 2010

Interim Management Report at 30 June 2010

'15,4.07),32457*57%"7(61,7$"#"

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ikh_bmZ[bebmr.#Sa^#\hkihkZm^#[Zgdbg`#l^`f^gm#bg\k^Zl^]#bml#fZk-

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lmZm^#ikh`kZff^#_hk#ln[lb]bl^]#ahnlbg`,#\hglnf^k#Zg]#lfZee#

[nlbg^ll#ehZgl.#

"#Hg#Z#\aZee^g`bg`#^\hghfb\#^gobkhgf^gm#bg#QhfZgbZ,#pbma#

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QNM#202#f#(t#49#f)#bg#P2#2010,#18&#ab`a^k#maZg#bg#P1,#Zg]#

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mh#QNM#20.5#[g#(t#4.7#[g).#KhZgl#`k^p#[r#11&#rhr,#p^ee#

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rhr.#Ni^kZmbg`#^qi^gl^l#k^fZbg^]#Zm#ma^#e^o^e#h_#ma^#ik^obhnl#

r^Zk,#k^lnembg`#bg#Z#_nkma^k#bfikho^f^gm#bg#^__b\b^g\r#maZm#pZl#

k^_e^\m^]#bg#Z#\hlm / bg\hf^#kZmbh#pab\a#pZl#[^ehp#44&.#Qbld#

\hlml#]hn[e^]#bg#G1#\hfiZk^]#mh#eZlm#r^Zk#mh#QNM#197#f,#[nm#

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ikh_bmZ[bebmr#kZmbhl#bg#ma^#QhfZgbZg#fZkd^m.#@l#h_#ma^#^g]#h_#

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mZe#Z]^jnZ\r#e^o^e#h_#Zefhlm#13&.#

C^libm^#ma^#hg`hbg`#k^\^llbhg,#G1#\hkihkZm^#k^o^gn^l#`k^p#[r#

26&#rhr#Zg]#ma^#`khpma#h_#bml#ehZg#ihkm_hebh#pZl#p^ee#Z[ho^#

maZm#h_#ma^#fZkd^m.#C^ihlbml#\hgmkZ\m^]#lhf^paZm,#fZbger#]n^#

mh#ma^#k^iZrf^gm#h_#lhf^#eZk`^-ohenf^#]^ihlbml.#Q^mZbe#k^o^-

gn^l#bg\k^Zl^]#[r#3&#rhr#(Zg]#[r#ho^k#11&#bg\en]bg`#ma^#k^-

lneml#h_#TBEbg,#pab\a#ikhob]^l#ma^#Fkhni#\hglnf^k#ehZgl#bg#

QhfZgbZ,#nlbg`#ma^#[kZg\a#g^mphkd#h_#ma^#[Zgd).#Q^mZbe#ehZgl#

Zg]#]^ihlbml#bg\k^Zl^]#leb`amer,#bg#ebg^#pbma#ma^#fZkd^m.

Bank Austria - Half-Yearly Financial Report 2010

Interim Management Report at 30 June 2010

'15,4.07),32457*57%"7(61,7$"#"

+-5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)

"#@l#Z#fZkd^m#e^Z]^k#bg#Ane`ZkbZ,#L^Z9bVUZd!8e\SR^[#aZ]#mhmZe#

Zll^ml#h_#t#5.7#[g.#Bnlmhf^k#]^ihlbml#`k^p#[r#4.1&#r /r#mh#

t#3.4#[g,#fZbger#]kbo^g#[r#`khpma#bg#k^mZbe#]^ihlbml.#Fkhll#\nl-

mhf^k#ehZgl#k^fZbg^]#_eZm#r / r,#Zfhngmbg`#mh#t#4#[g,#pbma#Z#

#k^g^p^]#^fiaZlbl#hg#fhkm`Z`^#ehZgl.#Sa^#ehZg/]^ihlbm#kZmbh#

]^\k^Zl^]#[r#5.4#i^k\^gmZ`^#ihbgml#r / r#mh#118&,#lb`gZeebg`#Z#

fh]^kZm^#]^e^o^kZ`bg`.#Sa^#\ZibmZe#Z]^jnZ\r#h_#ma^#[Zgd#pZl#

Zm#Z#lhng]#17.5&.#Sa^#[Zgd#Z\ab^o^]#mhmZe#k^o^gn^l#h_#

t#146#f#]^libm^#Z#]b__b\nem#^gobkhgf^gm#h_#ebfbm^]#ehZg#`khpma#

Zg]#ik^llnk^#hg#ma^#fZk`bgl#h_#\nlmhf^k#]^ihlbml.#@l#Z#k^lnem#

h_#oZkbhnl#\hlm#\nmmbg`#f^Zlnk^l,#g^m#ikh_bm#^q\^^]^]#t#45#f,#

manl#Z\\hngmbg`#_hk#hg^#jnZkm^k#h_#ma^#^gmbk^#[Zgdbg`#lrlm^f.#

Sa^#[Zgd#ln\\^^]^]#bg#Z\ab^obg`#mabl#lmZ[e^#ihlbmbhg#Zl#Z#k^-

lnem#h_#lmZ[e^#g^m#_^^#Zg]#\hffbllbhg#bg\hf^,#bfikho^]#hi^k-

Zmbg`#^__b\b^g\r#Zg]#ehp^k-maZg-Zo^kZ`^#ehZg#ehll#ikhoblbhgl.#

"#Sa^#_nkma^k#lmZ[beblZmbhg#h_#ma^#fZ\kh^\hghfb\#lbmnZmbhg#bg#

TdkZbg^#bg#P2#aZ]#Z#ihlbmbo^#bfiZ\m#hg#[hma#ma^#\hngmkrvl#

[Zgdbg`#lrlm^f#Zl#Z#pahe^#Zg]#hg#L[bc_dcSR^[#bg#iZkmb\neZk.#

Sa^#[Zgd#bg\k^Zl^]#bml#\nlmhf^k#]^ihlbml#[r#14.7&#j /j,#pbma#

\hkihkZm^#]^ihlbml#`khpbg`#fhk^#lmkhg`er#maZg#k^mZbe#]^ihlbml.#

Sa^#[Zgd#bfikho^]#bml#fZkd^m#laZk^#bg#\hkihkZm^#]^ihlbml#mh#

3.5&.#C^libm^#Z#`kZ]nZe#]^\k^Zl^#bg#bgm^k^lm#kZm^l#_hk#k^mZbe#

]^ihlbml#bg#2010,#Tdklhml[Zgd#pZl#Z[e^#mh#bg\k^Zl^#]^ihlbm#

ohenf^#[r#10.8&#Zg]#bfikho^#fZkd^m#laZk^#bg#k^mZbe#]^ihlbml#

mh#3.8&.#Sa^#ehZg /]^ihlbm#kZmbh#h_#ma^#[Zgd#bfikho^]#mh#232&#

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l^koZmbo^#kbld#ZiikhZ\a#mh#g^p#e^g]bg`#bg#P2#2010,#pab\a,#

\hf[bg^]#pbma#ma^#fZkd^m#mk^g],#k^lnem^]#bg#Z#1.5&#]^\ebg^#h_#

bml#\nlmhf^k#ehZg#ihkm_hebh.#Ng\^#fhk^,#ma^#bfikho^f^gm#h_#

Zll^m#jnZebmr#Zg]#k^eZm^]#k^lmkn\mnkbg`#Zg]#\hee^\mbhg#Z\mbobmb^l#

p^k^#ma^#_h\nl#h_#kbld#fZgZ`^f^gm.#Okhoblbhgbg`#e^o^el#bg-

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l^eebg`#Z\mbobmb^l,#Z#ikbhkbmr#_hk#Tdklhml[Zgd#bg#2010,#bg#P2#ma^#

Q^mZbe#Cboblbhg#pZl#knggbg`#\h-[kZg]#ikhc^\ml#Zg]#bgbmbZm^]#

lZe^l#h_#\hfie^f^gmZkr#bglnkZg\^#ikh]n\ml#mh#\eb^gml#h_#ma^#

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l\a^f^#_hk#\hkihkZm^#iZrf^gm#\Zk]l#]^lb`g^]#^li^\bZeer#_hk#^qblm-

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pab\a#bl#Zfhg`#ma^#ab`a^lm#bg#ma^#BDD#k^`bhg.#K^g]bg`#ohenf^#bg#

ma^#[Zgdbg`#l^\mhk#bl#g^o^kma^e^ll#lmbee#lmZ`gZmbg`,#]kbo^g#[r#[Zgdlv#

Zo^klbhg#mh#kbld#Zg]#Zll^m#jnZebmr#ikh[e^fl.#Hg#ebg^#pbma#ma^#fZkd^m#

mk^g],#TgbBk^]bmvl#ln[lb]bZkr#7K=!8R^[#k^\hk]^]#Z#3&#j /j#]^\ebg^#

bg#e^g]bg`#ohenf^#bg#P2,#pabe^#hg#ma^#]^ihlbm#lb]^#ma^#[Zgd#

#bg\k^Zl^]#ohenf^#[r#17&#j /j.#Sa^#jnZebmr#h_#ma^#ehZg#ihkm_hebh#

#k^fZbg^]#Z#_h\nl#h_#Zmm^gmbhg#Zg]#g^`Zmbo^er#bfiZ\m^]#@SEvl#ho^kZee#

P2#_bgZg\bZe#i^k_hkfZg\^.#Ghp^o^k,#Zll^m#jnZebmr#bl#^qi^\m^]#mh#

#bfikho^,#maZgdl#mh#^\hghfb\#k^\ho^kr#Zg]#Z``k^llbo^#k^lmkn\mnkbg`#

phkdhnm#^__hkml#eZng\a^]#bg#ma^#[Zgd.#Sa^#[Zgdvl#ikhZ\mbo^#lZe^l#

^__hkml#mh#ZmmkZ\m#g^p,#a^Zemar#[hkkhp^kl,#Zelh#pbma#Z#g^p,###

^gaZg\^]#ikh]n\m#h__^k,#Zk^#^qi^\m^]#mh#lniihkm#\k^]bm#`khpma.##

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#̂ qi^\m^]#mh#rb^e]#k^lneml#[r#r^Zk-^g]#makhn`a#k^hk`ZgblZmbhg#Zg]#

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"#Hg#ma^#_bklm#aZe_#h_#2010,#@R#TgbBk^]bm#AZgd,#Z\mbo^#bg#Zee#3#8R\dZT!

T_e^dbZVc,#_Z\^]#Z#i^klblm^gmer#]b__b\nem#^\hghfb\#^gobkhgf^gm,#k^-

lnembg`#bg#g^`Zmbo^#FCO#`khpma,#^li^\bZeer#bg#KZmobZ#Zg]#KbmanZgbZ,#

Zg]#Z#\hgmkZ\mbhg#h_#e^g]bg`#ohenf^#bg#ma^#fZkd^m.#Sa^#[Zgd#aZ]#

mhmZe#Zll^ml#h_#KUK#700#f#(hk#Ziikhq.#t#987#f),#pbma#ehZgl#Zg]#

#]^ihlbml#]^\k^Zlbg`#\hfiZk^]#mh#P1.#Ghp^o^k,#Z#ihlbmbo^#mk^g]#

_khf#g^m#bgm^k^lm#bg\hf^#\Zg#[^#k^\hk]^]#bg#P2#pbma#Zg#bg\k^Zl^#h_#

34&#\hfiZk^]#pbma#P1,#pbma#ho^kZee#k^o^gn^l#h_#KUK#5#f.#@m#ma^#

lZf^#mbf^,#ma^#[Zgd#bl#\hgmbgnbg`#mh#inkln^#lmkb\m#\hlm#fZgZ`^-

f^gm.#KhZg#ehll#ikhoblbhgl#k^fZbg^]#Zm#Z#ab`a#e^o^e,#pbma#Z#g^`Z-

mbo^#bfiZ\m#hg#ma^#[Zgdvl#bg\hf^#lmZm^f^gm,#manl#`^g^kZmbg`#Z#ehll#

h_#KUK#1.99#f#(hk#Ziikhq.#t#2.8#f)#bg#G1.#Hg#2010,#@R#TgbBk^]bm#

AZgd#bg\k^Zl^]#bml#\ZibmZe#[r#KUK#13#f,#ma^k^[r#[hhlmbg`#ma^#

[Zgdvl#\ZibmZe#Z]^jnZ\r#kZmbh#mh#Z#lhng]#e^o^e#h_#fhk^#maZg#12&.

Bank Austria - Half-Yearly Financial Report 2010

Interim Management Report at 30 June 2010

'15,4.07),32457*57%"7(61,7$"#"

+.5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)

;VKWUM![\I\MUMV\!WN!\PM!KWV[WTQLI\ML!JIVSQVO![]J[QLQIZQM[!QV!577

$f!X%

9<<!87EBJ!KFK7C!-% 9Q<9?!I<GL8C@9 JCFM7B@7 ?LE>7IP

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EVd!Z^dVbVcd!Z^T_]V -(124*- -(02,*. --1*2 -.0*/ /0*/ 0-*4 -,0*/ 21*5

M^m#_^^#Zg]#\hffbllbhg#bg\hf^ 522.0 520.9 54.4 46.3 13.3 11.5 46.4 44.8

M^m#mkZ]bg`,#a^]`bg`#Zg]#_Zbk#oZen^#bg\hf^ 32.0 310.6 3.5 y1.7 1.3 3.4 y4.9 23.3

M^m#hma^k#bg\hf^/^qi^gl^l 20.9 28.3 0.4 0.2 0.5 0.6 3.3 0.0

EVd!^_^)Z^dVbVcd!Z^T_]V 130*5 415*4 14*/ 00*5 -1*- -1*2 00*3 24*-

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FG<I7K@E>!<OG<EJ<J p 53.*0 p 5,1*4 p31*1 p3,*- p/2*4 p/3*, p2/*4 p13*0

FG<I7K@E>!GIF=@K -(-3,*2 -(0-0*. 54*0 55*- -.*2 .,*/ 41*/ 32*2

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M^m#pkbm^]hpgl#hg#ehZgl y546.0 y670.7 y27.6 y43.4 y7.7 y4.2 y41.7 y38.5

M^m#bg\hf^#_khf#bgo^lmf^gml 21.3 5.3 0.6 0.5 0.2 0.0 1.5 1.3

Hgm^`kZmbhg#\hlml y1.8 y2.1 y1.7 y1.8 0.0 0.0 0.0 y0.2

GIF=@K!8<=FI<!K7O 2.3*1 3/,*- 24*3 10*0 1*/ -2*. 00*/ /5*/

!

Bhlm / bg\hf^#kZmbh 45.4& 39.0& 43.4& 41.4& 74.5& 64.6& 42.8& 42.8&

Qbld /^Zkgbg`l#kZmbh 34.8& 45.9& 23.9& 34.9& 22.5& 10.1& 39.9& 58.4&

Dq\aZg`^#kZm^ #25.730# #27.144# #1.000# #1.000# #271.687# #289.984#

@iik^\bZmbhg/]^ik^\bZmbhg#Z`Zbglm#ma^#^nkh +5.5& 0.0& +6.7&

$f!X%

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M^m#_^^#Zg]#\hffbllbhg#bg\hf^ 11.4 8.7 38.0 40.0 25.5 26.5 y1.8 0.6

M^m#mkZ]bg`,#a^]`bg`#Zg]#_Zbk#oZen^#bg\hf^ y2.6 2.1 2.8 1.6 17.8 55.5 3.0 3.5

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!

Bhlm / bg\hf^#kZmbh 55.7& 59.4& 42.0& 42.0& 43.3& 47.8& 97.9& 58.4&

Qbld /^Zkgbg`l#kZmbh 31.1& 51.2& 32.4& 17.0& 41.3& 38.8& 60.6& 36.7&

Dq\aZg`^#kZm^ #1.000# #1.000# #1.956# #1.956# #4.149# #4.233# #0.708# #0.706#

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Bank Austria - Half-Yearly Financial Report 2010

Interim Management Report at 30 June 2010

'15,4.07),32457*57%"7(61,7$"#"

+/5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)

;VKWUM![\I\MUMV\!WN!\PM!KWV[WTQLI\ML!JIVSQVO![]J[QLQIZQM[!QV!577!#KWV\QV]ML$

$f!X%

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M^m#_^^#Zg]#\hffbllbhg#bg\hf^ 181.4 155.6 65.0 56.8 y20.3 20.5 21.2 25.9

M^m#mkZ]bg`,#a^]`bg`#Zg]#_Zbk#oZen^#bg\hf^ 6.2 42.6 y21.3 83.7 11.1 38.6 3.3 17.5

M^m#hma^k#bg\hf^/^qi^gl^l 18.9 17.8 y0.2 y0.1 y13.6 y1.5 y0.6 y0.6

EVd!^_^)Z^dVbVcd!Z^T_]V .,2*2 .-2*, 0/*1 -0,*0 p..*3 13*2 ./*5 0.*4

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M^m#pkbm^]hpgl#hg#ehZgl y4.3 y140.7 y85.1 y116.2 y103.7 y109.9 y105.2 y121.0

M^m#bg\hf^#_khf#bgo^lmf^gml 5.5 4.4 2.2 y2.0 6.7 y6.9 0.6 0.0

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2)#ikh#jnhmZ

Bank Austria - Half-Yearly Financial Report 2010

Interim Management Report at 30 June 2010

'15,4.07),32457*57%"7(61,7$"#"

+05LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)

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#

#

Bank Austria - Half-Yearly Financial Report 2010

Interim Management Report at 30 June 2010

'15,4.07),32457*57%"7(61,7$"#"

+15LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)

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Bank Austria - Half-Yearly Financial Report 2010

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Bank Austria - Half-Yearly Financial Report 2010

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Bank Austria - Half-Yearly Financial Report 2010

.-5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)

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Bank Austria - Half-Yearly Financial Report 2010

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Bank Austria - Half-Yearly Financial Report 2010

Statement by Management on the

Half-Yearly Financial Report 2010

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Bank Austria - Half-Yearly Financial Report 2010

The Half-Yearly Financial Report at 30 June 2010 was not audited or reviewed by

an auditor.

Disclaimer

This edition of our Half-Yearly Financial Report is prepared for the convenience of

our English-speaking readers. It is based on the German original which is the

authentic version and takes precedence in all legal aspects.