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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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Half-Yearly Financial Report at 30 June 2010
Bank Austria - Half-Yearly Financial Report 2010
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Interim Management Report at 30 June 2010
Interim Management Report at 30 June 2010
Bank Austria - Half-Yearly Financial Report 2010
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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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Bank Austria - Half-Yearly Financial Report 2010
Interim Management Report at 30 June 2010
'15,4.07),32457*57%"7(61,7$"#"
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_ng\mbhgl#Zelh#_hk#ma^#BDD#Cboblbhg.##
Bank Austria - Half-Yearly Financial Report 2010
Interim Management Report at 30 June 2010
'15,4.07),32457*57%"7(61,7$"#"
25LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)
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2010#Zfhngm^]#mh#t#234#f,#]hpg#[r#14&#_khf#ma^#_bklm#lbq#fhgmal#
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bg`#g^m#hma^k#hi^kZmbg`#bg\hf^#h_#t#79#f#(y#t#17#f/y17&).##
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51.1&<#bg#ma^#l^\hg]#jnZkm^k#bm#]^\ebg^]#mh#48.5&.#Sa^#_b`nk^#_hk#
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"#@l#\hlml#k^fZbg^]#lmZ[e^,#ma^#\aZg`^#bg#hi^kZmbg`#ikh_bm#k^-
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[r#@nlmkbZg#\nlmhf^k#l^`f^gml#]hpg#[r#t#180#f#hk#21&,#h_#
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Z#fhk^#ghkfZe#e^o^e#(]hpg#[r#t#325#f).#
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#ghmb\^Z[er.#Anm#mabl#]h^l#ghm#f^Zg#maZm#ma^#lbmnZmbhg#aZl#^Zl^]#mh#
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#\Zm^`hkb^l#(ghg-i^k_hkfbg`#ehZgl)#bl#lmZ[beblbg`,#ma^#l^\hg]#jnZkm^k##
Bank Austria - Half-Yearly Financial Report 2010
Interim Management Report at 30 June 2010
'15,4.07),32457*57%"7(61,7$"#"
*)5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)
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\eZll^l#bgmh#ma^#\Zm^`hkr#h_#bfiZbk^]#ehZgl.#
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ma^#_bklm#aZe_#h_#2010#p^k^#t#896#f,#]hpg#[r#11&#_khf#ma^#_bklm#aZe_#
h_#2009,#pa^g#ma^#ikhoblbhgbg`#\aZk`^#^q\^^]^]#hg^#[beebhg#^nkhl##
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Zgm^^l#Zg]#\hffbmf^gml#]^\ebg^]#_khf#t#122#f#mh#t#85#f.##
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^__^\m#h_#ma^#Z]]bmbhgl#mh#ehZg#ehll#ikhoblbhgl#fZ]^#bg#2009.##
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7.3&#Zm#r^Zk-^g]#2009.#Sa^#bg\k^Zl^#pZl#l^^g#bg#ma^#wk^eZmbo^er#
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mabl#lmkn\mnkZe#^__^\m,#ma^#\ho^kZ`^#kZmbh#h_#bfiZbk^]#ehZgl#]^\ebg^]#
mh#48.7&,#pabe^#k^fZbgbg`#fhk^#hk#e^ll#lmZ[e^#_hk#ghg-i^k_hkfbg`#
ehZgl.#Sa^#MOK#kZmbh,#b. ^.#ghg-i^k_hkfbg`#ehZgl#Zl#Z#i^k\^gmZ`^#h_#
`khll#ehZgl#mh#\nlmhf^kl,#khl^#fhk^#lehper,#_khf#3.5&#mh#4.1&.#
Vbmahnm#mZdbg`#\heeZm^kZe#bgmh#Z\\hngm,#li^\b_b\#ikhoblbhgl#\ho^k^]#
69.1&#h_#MOKl#bg#Ing^#2010,#Z_m^k#69.8&#bg#C^\^f[^k#Zg]#
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u#\ho^k^]#[r#li^\b_b\#pkbm^]hpgl 69.1& 69.8& 69.9&
Bank Austria - Half-Yearly Financial Report 2010
Interim Management Report at 30 June 2010
'15,4.07),32457*57%"7(61,7$"#"
**5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)
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FG<I7K@E>!<OG<EJ<J p-(40- p-(351 p01 '/"
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ihlbmbo^#Zm#t#39#f,#[nm#ehp^k#maZg#bg#ma^#^jnboZe^gm#i^kbh]#h_#ma^#
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AZgd#@nlmkbZvl#iZkmb\biZmbhg#bg#\nkk^gm#ikh_bml#h_#ma^#Ohebla#TgbBk^]bm#
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_bklm#aZe_#h_#2009.#
Bank Austria - Half-Yearly Financial Report 2010
Interim Management Report at 30 June 2010
'15,4.07),32457*57%"7(61,7$"#"
*+5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)
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[^_hk^#mZq)#Zfhngm^]#mh#ho^k#hg^#[beebhg#^nkhl#(t#1,116#f),#pab\a#
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pkbm^]hpgl#h_#ehZgl#Zg]#ikhoblbhgl#_hk#`nZkZgm^^l#Zg]#\hffbm-
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#
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#
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[nlbg^ll#l^`f^gm#bm#pZl#g^`Zmbo^,#Zm#y#t#20#f,#Z_m^k#t#183#f.##
Bank Austria - Half-Yearly Financial Report 2010
Interim Management Report at 30 June 2010
'15,4.07),32457*57%"7(61,7$"#"
*,5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)
Sabl#k^_e^\m^]#ma^#35&#]^\ebg^#bg#g^m#hi^kZmbg`#ikh_bm#Z_m^k#mZq##
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#
DM[W]ZKM[!IVL!XZWNQ\IJQTQ\a!QV!\PM!NQZ[\!PITN!WN!+)*)
87EB!
7LJKI@7! 7LJKI@7!-% 9<<
EPWL_TaP!^TeP
@o^kZ`^#ehZgl#mh#\nlmhf^kl#(t#[g) 126.0 65.7 60.6
@o^kZ`^#QV@l#ng]^k#AZl^e#HH#(t#[g) 119.8 42.0 72.6
Ni^kZmbg`#bg\hf^#(t#f) 3,601 1,321 2,218
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fZk`bgZe#Q@QNQ@B 3.66& 14.4& y0.6&
8\`T_d
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8X[WZdPP^!$Q`WW'_TXP!P\`TaLWPY_^%
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5]LYNSP^
Dg]#h_#Ing^#2010# 3,020 300 2,720
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2)#QND#=#ikh_bm#[^_hk^#mZq / bglmbmnmbhgZe#\ZibmZe.#
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#
Bank Austria - Half-Yearly Financial Report 2010
Interim Management Report at 30 June 2010
'15,4.07),32457*57%"7(61,7$"#"
*-5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)
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5LWLYNP!^SPP_!OPaPWZ[XPY_^
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#Bnlmhf^k#[nlbg^ll#hg#[hma#lb]^l#h_#ma^#[ZeZg\^#la^^m#`k^p#Zm#
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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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\nlmhf^kl#bg#@nlmkbZ#^qiZg]^]#hger#leb`amer,#[r#1.2&,#bg#ma^#_bklm#
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6M^MTWXUMV\!WN!UIRWZ!JITIVKM![PMM\!Q\MU[ $f!MY%
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KhZgl#Zg]#k^\^boZ[e^l#pbma#\nlmhf^kl -.5*3 -./*2 +6.1 +5.0& -.3*- +2.7 +2.1&
G^]`bg`#]^kboZmbo^l /*. ,*. +3.0 >100& ,*. +3.0 >100&
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?=45=?=G=8F!4A7!8DH=GK
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G^]`bg`#]^kboZmbo^l /*1 ,*. +3.3 >100& ,*. +3.4 >100&
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K_dR\!\ZRSZ\ZdZVc!R^U!VaeZdi .,,*1 -50*1 +6.0 +3.1& .,3*2 y7.2 y3.5&
*)#Rnf#mhmZe#h_#ma^#_heehpbg`#bm^fl;#_bgZg\bZe#Zll^ml#Zm#_Zbk#oZen^#makhn`a#ikh_bm#hk#ehll,#ZoZbeZ[e^-_hk-lZe^#_bgZg\bZe#Zll^ml,#Zg]#a^e]-mh-fZmnkbmr#bgo^lmf^gml.#
Bank Austria - Half-Yearly Financial Report 2010
Interim Management Report at 30 June 2010
'15,4.07),32457*57%"7(61,7$"#"
*.5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)
Ing^#2010),#fZbger#lniihkm^]#[r#ma^#E'RLD#Cboblbhg#(+3.9&).#Hg#
BDD,#ehZgl#Zg]#k^\^boZ[e^l#pbma#\nlmhf^kl#`k^p#[r#8.8&#]nkbg`#ma^#
lZf^#i^kbh],#lniihkm^]#[r#fh]^kZm^#\nkk^g\r#Ziik^\bZmbhg.#EbgZg\bZe#
Zll^ml#Zm#_Zbk#oZen^#makhn`a#ikh_bm#hk#ehll,#ZoZbeZ[e^-_hk-lZe^#_bgZg\bZe#
Zll^ml#Zg]#a^e]-mh-fZmnkbmr#bgo^lmf^gml#khl^#lmkhg`er,#[r#Z#\hf-
[bg^]#14.8&,#fZbger#[^\Znl^#h_#`khpma#bg#ZoZbeZ[e^-_hk-lZe^#_bgZg\bZe#
Zll^ml#bg#BDD.#Sa^#ln[lmZgmbZe#bg\k^Zl^#bg#_bgZg\bZe#Zll^ml#a^e]#_hk#
mkZ]bg`#Zg]#bg#a^]`bg`#]^kboZmbo^l#bl#mh#[^#l^^g#bg#\hgg^\mbhg#pbma#
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"#F^!dYV!\ZRSZ\ZdZVc!cZUV,#]^ihlbml#_khf#\nlmhf^kl#`k^p#Zm#Z#ehp#
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ma^#B@HA#mkZglZ\mbhg.##
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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,#
Zg]#iZkmer#Zelh#_khf#^q\aZg`^#kZm^#fho^f^gml.
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pbma#ma^#^g]#h_#2009.#Sa^#Bhk^#Sb^k#1#\ZibmZe#kZmbh#(Sb^k#1#\ZibmZe#
kZmbh#pbmahnm#ar[kb]#\ZibmZe)#[Zl^]#hg#Zee#kbldl#khl^#_khf#8.33&#mh#
9.85&.#Sa^#Bhk^#Sb^k#1#\ZibmZe#kZmbh#[Zl^]#hg#\k^]bm#kbld#bfikho^]#
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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$"#"
*/5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)
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M^m#ghg-bgm^k^lm#bg\hf^ 212 199 +13 +7&
Ni^kZmbg`#bg\hf^ 543 543 y1 y0&
Ni^kZmbg`#^qi^gl^l y393 y399 +6 y1&
Ni^kZmbg`#ikh_bm 150 145 +5 +4&
M^m#pkbm^]hpgl#h_#ehZgl y119 y126 +7 y6&
Nma^k#ghg-hi^kZmbg`#bm^fl 10 6 +4 +76&
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@o^kZ`^#^jnbmr#3) 742 845 y104 y12&
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Sabl#bg_hkfZmbhg#Ziieb^l#mh#Zee#[nlbg^ll#l^`f^gm#mZ[e^l.
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Bank Austria - Half-Yearly Financial Report 2010
Interim Management Report at 30 June 2010
'15,4.07),32457*57%"7(61,7$"#"
*05LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)
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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-
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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$"#"
+)5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)
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&''913(294357-31/3%95,./32(19+/8,56/-/*(7/329(2+9*36793-95/60
7
;MJD@O"$*0#%"5H83"2>I6J="(+')(-"),)"7D
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7=P=DBKL=G"$0#%"5H8&%3"*'*0+>I9EHN=DC="$-#%"5H83"/,>I
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%$"?B8AI9?B="=I6F6BH;;"?B"5?;BB6&76G;9"/00">;69EI6FH;FG"
;9$#"#9)2
Bank Austria - Half-Yearly Financial Report 2010
Interim Management Report at 30 June 2010
'15,4.07),32457*57%"7(61,7$"#"
+*5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)
Sa^#lmkhg`#bfikho^f^gm#bg#Zll^m#jnZebmr#\hgmbgn^]#bg#P2,#
]kbo^g#[r#Z#_nkma^k#lehp]hpg#bg#ma^#gnf[^k#h_#ghg-i^k_hkfbg`#
ehZgl#(MOK),#^__^\mbo^#]^[m#\hee^\mbhgl#Zg]#Zg#MOK#lZe^.#Hg#Ing^#
2010,#ma^#[Zgd#_bgZebl^]#Zg#MOK#ihkm_hebh#lZe^#h_#\hkihkZm^#Zg]#
\hff^k\bZe#ehZgl#Zfhngmbg`#mh#Z#mhmZe#h_#SQX#299#f.#@l#Z#
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Bank Austria - Half-Yearly Financial Report 2010
Interim Management Report at 30 June 2010
'15,4.07),32457*57%"7(61,7$"#"
++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$"#"
+,5LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)
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26&#rhr#Zg]#ma^#`khpma#h_#bml#ehZg#ihkm_hebh#pZl#p^ee#Z[ho^#
maZm#h_#ma^#fZkd^m.#C^ihlbml#\hgmkZ\m^]#lhf^paZm,#fZbger#]n^#
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Zg]#]^ihlbml#bg\k^Zl^]#leb`amer,#bg#ebg^#pbma#ma^#fZkd^m.
Bank Austria - Half-Yearly Financial Report 2010
Interim Management Report at 30 June 2010
'15,4.07),32457*57%"7(61,7$"#"
+-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#
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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^-
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"#Sa^#_nkma^k#lmZ[beblZmbhg#h_#ma^#fZ\kh^\hghfb\#lbmnZmbhg#bg#
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\hkihkZm^#]^ihlbml#`khpbg`#fhk^#lmkhg`er#maZg#k^mZbe#]^ihlbml.#
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(y43.2#i^k\^gmZ`^#ihbgml#j /j).#Tdklhml[Zgd#\hgmbgn^]#bml#\hg-
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ma^#[Zgdbg`#l^\mhk#bl#g^o^kma^e^ll#lmbee#lmZ`gZmbg`,#]kbo^g#[r#[Zgdlv#
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#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.##
Enkma^kfhk^,#ma^#hg`hbg`#k^mZbe#[kZg\a#himbfblZmbhg#^__hkml#Zk^#
#̂ qi^\m^]#mh#rb^e]#k^lneml#[r#r^Zk-^g]#makhn`a#k^hk`ZgblZmbhg#Zg]#
^__b\b^g\r#f^Zlnk^l.
"#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
?-!-, ?-!,5 ?-!-, ?-!,5 ?-!-, ?-!,5 ?-!-, ?-!,5
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*-
FG<I7K@E>!@E9FD< .(-0.*5 .(/-5*5 -3/*5 -25*. 05*0 13*0 -05*- -/0*,
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
Okhoblbhgl#_hk#kbldl#Zg]#\aZk`^l y16.6 y16.6 y0.9 0.0 0.2 0.0 y0.9 0.0
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&
$f!X%
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M^m#_^^#Zg]#\hffbllbhg#bg\hf^ 11.4 8.7 38.0 40.0 25.5 26.5 y1.8 0.6
M^m#mkZ]bg`,#a^]`bg`#Zg]#_Zbk#oZen^#bg\hf^ y2.6 2.1 2.8 1.6 17.8 55.5 3.0 3.5
M^m#hma^k#bg\hf^/^qi^gl^l y0.2 0.2 0.5 0.0 0.0 y0.2 0.1 0.0
EVd!^_^)Z^dVbVcd!Z^T_]V 4*2 --*, 0-*/ 0-*2 0/*0 4-*5 -*. 0*-
FG<I7K@E>!@E9FD< //*3 .5*5 -01*4 -05*/ -14*0 -0-*3 3*- --*1
FG<I7K@E>!<OG<EJ<J p-4*3 p-3*4 p2-*/ p2.*3 p24*2 p23*3 p2*5 p2*3
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M^m#pkbm^]hpgl#hg#ehZgl y7.8 y 9.7 y33.9 y18.3 y47.5 y23.2 y3.6 y2.7
M^m#bg\hf^#_khf#bgo^lmf^gml 1.0 0.1 0.7 5.2 0.0 0.3 0.0 0.0
Hgm^`kZmbhg#\hlml 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
GIF=@K!8<=FI<!K7O 4*- .*1 1-*- 35*4 0.*1 05*/ p/*0 .*-
!
Bhlm / bg\hf^#kZmbh 55.7& 59.4& 42.0& 42.0& 43.3& 47.8& 97.9& 58.4&
Qbld /^Zkgbg`l#kZmbh 31.1& 51.2& 32.4& 17.0& 41.3& 38.8& 60.6& 36.7&
Dq\aZg`^#kZm^ #1.000# #1.000# #1.956# #1.956# #4.149# #4.233# #0.708# #0.706#
@iik^\bZmbhg/]^ik^\bZmbhg#Z`Zbglm#ma^#^nkh 0.0& y0.0& +2.0& y0.3&
1)#Rnf#h_#O/ K#_b`nk^l#h_#ma^#bg]bob]nZe#BDD#[Zgdl#lahpg#bg#mabl#mZ[e^.#Sa^#BDD#[nlbg^ll#l^`f^gm#Zelh#bg\en]^l#ma^#Ub^ggZ-[Zl^]#BDD#ikh_bm#\^gmk^.
Bank Austria - Half-Yearly Financial Report 2010
Interim Management Report at 30 June 2010
'15,4.07),32457*57%"7(61,7$"#"
+/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$
$f!X%
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M^m#_^^#Zg]#\hffbllbhg#bg\hf^ 181.4 155.6 65.0 56.8 y20.3 20.5 21.2 25.9
M^m#mkZ]bg`,#a^]`bg`#Zg]#_Zbk#oZen^#bg\hf^ 6.2 42.6 y21.3 83.7 11.1 38.6 3.3 17.5
M^m#hma^k#bg\hf^/^qi^gl^l 18.9 17.8 y0.2 y0.1 y13.6 y1.5 y0.6 y0.6
EVd!^_^)Z^dVbVcd!Z^T_]V .,2*2 .-2*, 0/*1 -0,*0 p..*3 13*2 ./*5 0.*4
FG<I7K@E>!@E9FD< 103*, 143*2 /,1*5 /--*2 03*/ -34*0 -2-*1 -5,*-
FG<I7K@E>!<OG<EJ<J p./3*. p.,2*1 p--.*4 p 55*- p03*- p0.*1 p10*/ p1/*0
FG<I7K@E>!GIF=@K /,5*4 /4-*, -5/*- .-.*2 ,*. -/1*4 -,3*- -/2*3
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M^m#pkbm^]hpgl#hg#ehZgl y4.3 y140.7 y85.1 y116.2 y103.7 y109.9 y105.2 y121.0
M^m#bg\hf^#_khf#bgo^lmf^gml 5.5 4.4 2.2 y2.0 6.7 y6.9 0.6 0.0
Hgm^`kZmbhg#\hlml 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
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Qbld /^Zkgbg`l#kZmbh 1.3& 37.9& 32.4& 67.8& 148.0& 91.0& 76.4& 82.2&
Dq\aZg`^#kZm^ #2.021# #2.152# #39.886# #44.097# #195.404# #193.007# #10.578# #10.503#
@iik^\bZmbhg/]^ik^\bZmbhg#Z`Zbglm#ma^#^nkh +6.5& +10.6& y1.2& y0.7&
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M^m#mkZ]bg`,#a^]`bg`#Zg]#_Zbk#oZen^#bg\hf^ 7.8 37.0 2.7 2.3 1.3 1.3
M^m#hma^k#bg\hf^/^qi^gl^l 11.9 12.2 0.2 y0.2 y0.3 y0.3
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M^m#pkbm^]hpgl#hg#ehZgl y62.6 y31.0 y10.0 y7.6 y5.5 y4.3
M^m#bg\hf^#_khf#bgo^lmf^gml 1.3 2.3 0.8 0.0 0.1 0.0
Hgm^`kZmbhg#\hlml y0.1 y0.1 0.0 0.0 0.0 0.0
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Dq\aZg`^#kZm^ #7.266# #7.382# #1.956# #1.956# #100.096# #93.991#
@iik^\bZmbhg/]^ik^\bZmbhg#Z`Zbglm#ma^#^nkh +1.6& 0.0& y6.1&
2)#ikh#jnhmZ
Bank Austria - Half-Yearly Financial Report 2010
Interim Management Report at 30 June 2010
'15,4.07),32457*57%"7(61,7$"#"
+05LYV!4`^_]TL!i!=Y_P]TX!EP[Z]_!L_!,)!>`YP!+)*)
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"#Rnko^rl,#e^Z]bg`#bg]b\Zmhkl#Zg]#bg\k^Zlbg`er#Zelh#aZk]#_Z\ml#
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]hpgmnkg#bg#^\hghfb\#Z\mbobmr#pZl#Z#wm^\agb\Ze#_Z\mhkx#lniihkm^]#
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makhn`a#ehZgl,#pab\a#aZl#Z#_nkma^k#g^`Zmbo^#bfiZ\m#hg#ma^#lbmnZmbhg#
h_#ikboZm^#ahnl^ahe]l.#Sabl#f^Zgl#maZm#]hf^lmb\#]^fZg]#pbee#[^#
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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
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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.
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