de halbjahresfinanzbericht 20100630 - bank austria - die ... · a^bmeb\a,#z[^k#]h\a#[^b#l\a...

60
$%-&,%*/(0)+.%.2&(/+’*1 #!"!

Upload: vuthu

Post on 09-May-2019

212 views

Category:

Documents


0 download

TRANSCRIPT

$%-&,%*/(0)+.%.2&(/+'*1 #!"!

,6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

7RN!5JWT!4^\][RJ!RV!fKN[KURLT! -

I`R\LQNWKN[RLQ]!b^V!-*(!>^WR!,*+*! .FVONUM!MN\!5JWTPN\LQhO]\!! .8W]`RLTU^WP!MN[!5JWT!4^\][RJ!RV!+(!<JUKSJQ[!,*+*!! /5RUJWb!^WM!8RPNWVR]]NUJ^\\]J]]^WP! +.I^[!8W]`RLTU^WP!MN[!;N\LQhO]\ONUMN[! +04^\KURLT! ,1

9RWJWLRJU!D]J]NVNW]\!c!?XWbN[Wb`R\LQNWJK\LQU^\\!WJLQ!=9CD! ,2;N\JV]N[PNKWR\[NLQW^WP!Oj[!MJ\!+(!<JUKSJQ[!,*+*! ,2

5RUJWb!b^V!-*(!>^WR!,*+*! -+8W]`RLTU^WP!MN\!8RPNWTJYR]JU\! -,;NUMOU^\\[NLQW^WP! --8[Uh^]N[^WPNW!#AX]N\$!b^V!?XWbN[Wb`R\LQNWJK\LQU^\\! -.8[TUh[^WP!MN[!PN\N]bURLQNW!GN[][N]N[!b^V!I`R\LQNWKN[RLQ]! /2

8[PhWbNWMN!4WPJKNW! 0*=W_N\]X[!CNUJ]RXW\&!CJ]RWP\&!=VY[N\\^V&!<RW`NR\N! 0*

>ZTMX_

Halbjahresfinanzbericht zum 30. Juni 2010

Halbjahresfinanzbericht zum 30. Juni 2010

Bank Austria - Halbjahresfinanzbericht 2010

-6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

8UQ!6MZW!5`^_]UM!UY!jNQ]NXUOW

8[OXUP\bJQUNW

$BU[!e% ?-!.,-, ?-!.,,5 '+p

Ybgl� [^kl\anll 2.301 2.557 z10,0&

Okhoblbhgl� [^kl\anll 988 899 9,9&

GZg]^el^k`^[gbl 234 271 z13,9&

A^mkb^[l^kmk� `^ 3.601 3.823 z5,8&

A^mkb^[lZn_p^g]ng`^g z1.841 z1.795 2,5&

A^mkb^[l^k`^[gbl 1.761 2.028 z13,2&

Dk`^[gbl#ohk#Rm^n^kg 644 1.048 z38,5&

Jhgs^kgi^kbh]^g� [^kl\anll#hag^#@gm^be^#bf#Ek^f][^lbms 459 833 z44,9&

?NWWbJQUNW

?-!.,-, .,,5

Db`^gdZibmZek^g]bm^#gZ\a#Rm^n^kg#(Q^mnkg#hg#Djnbmr,#QND) 5,80& 8,10&

@n_pZg]/DkmkZ`-Jh^__bsb^gm#(Bhlm / Hg\hf^-QZmbh) 51,10& 49,90&

Jk^]bmkblbdh/Ybgl� [^kl\anll#(Qbld /DZkgbg`l-QZmbh) 38,90& 46,50&

Jk^]bmkblbdh/##Jk^]bmohenf^g#(Bhlm#h_#Qbld) 1,42& 1,78&

LZk`bgZe#D\hghfb\#UZen^#@]]^]# #154#Lbh#u# #268#Lbh#u#

LZk`bgZe#Q@QNQ@B 3,7& 3,3&

Db`^gfbmm^e-Pnhm^#([^sh`^g#Zn_#Zee^#Qbld^g,#O^kbh]^g^g]^) 12,16& 10,92&

J^kgdZibmZejnhm^#(Sb^k#1-BZibmZe#QZmbh) 10,17& 8,68&

J^kgdZibmZejnhm^#hag^#Gr[kb]dZibmZe#(Bhk^#Sb^k#1-BZibmZe#QZmbh) 9,85& 8,33&

GXU^VNW\bJQUNW

$BU[!e% /,*2*.,-, /-*-.*.,,5 '+p

AbeZgslnff^ 200.461 194.459 3,1&

Ehk]^kng`^g#Zg#Jng]^g 129.730 123.602 5,0&

Okbf� kfbmm^e 127.365 125.863 1,2&

Db`^gdZibmZe#(hag^#Ek^f]Zgm^be^) 17.397 13.850 25,6&

Qblbdh`^pb\am^m^#@dmboZ#bgl`^lZfm#(AZl^e#HH) 125.424 114.386 9,6&

@R]J[KNR]N[%$

/,*2*.,-, /-*-.*.,,5 '+p

AZgd#@nlmkbZ#(JZiZsbm� m^g#bg#O^klhg^gcZak^g) 59.635 60.594 z1,6&

F^l\a� _ml_^e]#Y^gmkZe-#ng]#Nlm^nkhiZ 51.733 52.332 z1,1&

� [kb`^#F^l\a� _ml_^e]^k 7.902 8.262 z4,4&

i\]O[[OSMR 1(101 1(33, f,&2"

*)#LbmZk[^bm^k#ohg#jnhm^gdhglheb]b^km^g#F^l^eel\aZ_m^g#lbg]#sn#100&#^gmaZem^g.

9RURJUNW%$

/,*2*.,-, /-*-.*.,,5 '+p

AZgd#@nlmkbZ# 3.020 3.098 z2,5&

F^l\a� _ml_^e]#Y^gmkZe-#ng]#Nlm^nkhiZ 2.720 2.770 z1,8&

� [kb`^#F^l\a� _ml_^e]^k 300 328 z8,5&

i\]O[[OSMR -** -+2 f/&1"

*)#EbebZe^g#ohg#jnhm^gdhglheb]b^km^g#F^l^eel\aZ_m^g#lbg]#sn#100&#^gmaZem^g.#

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahresfinanzbericht zum 30. Juni 2010

.6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

$#Cb^!NV]e\`_[f_\efc#aZm#gZ\a#� [^kpbg]ng`#]^k#mb^_^g#Q^s^llbhg#

ohk#^bg^f#IZak#bf#1.#GZe[cZak#2010#Zg#EZakm#`^phgg^g.#Tgm^klm� msm#

]nk\a#]b^#Vb^]^kZn_lmh\dng`#]^k#snohk#kZ]bdZe#`^e^^km^g#KZ`^k#ng]#

Zn_#AZlbl#]^k#ZgaZem^g]^g#DqiZglbhg#bg#]^g#R\ap^ee^ge� g]^kg#aZm#

lb\a#]^k#V^emaZg]^e#fbm#Hg]nlmkb^`� m^kg#[bl#snk#IZak^lfbmm^#lmZkd#[^-

e^[m.#CZohg#ikh_bmb^km^g#bg#DnkhiZ#[^lhg]^kl#C^nml\aeZg],#Z[^k#Zn\a#

�lm^kk^b\a#lhpb^#]b^#lm� kd^k#bgm^`kb^km^g#BDD-K� g]^k.#Hg#]^k#Dnkhshg^#

bgl`^lZfm#[eb^[#]Zl#VZ\almnf#gZ\a#K� g]^kg#ng]#R^dmhk^g#ng^bg-

a^bmeb\a,#Z[^k#]h\a#[^b#l\a� msng`lp^bl^#2,4&#IZak^lkZm^#bf#

2.#PnZkmZe#2010.#Hf#1.#GZe[cZak#eZ`#]Zl#AHO#nf#1&#� [^k#UhkcZak,#]Zl#

VZ\almnf#blm#e� g`^k_kblmb`#`^l^a^g#Zelh#gh\a#bff^k#fh]^kZm.#Cb^#

V^em[� kl^g#o^kehk^g#mkhms#]^l#JhgcngdmnkZn_l\apng`l#ng]#lm^b`^g]^k#

Tgm^kg^af^gl`^pbgg^#bf#U^keZn_#]^l#1.#GZe[cZak^l#Zg#V^km#(LRBH-

V^embg]^q#z8&).#C^f`^`^g� [^k#_b^e^g#]b^#Q^g]bm^g#]^k#A^g\afZkd-#

RmZZmlZge^ba^g#p^bm^k,#]b^#10-c� akb`^#u-A^g\afZkd#bf#Ingb#lh`Zk#Zn_#

^bg#ablmhkbl\a^l#Sb^_#ohg#2,499&.#@g`^lmh�^g#]nk\a#]b^#Fkb^\a^g-

eZg]-Jkbl^#pZk#]b^#ngnf`� g`eb\a^#Q� \d_� akng`#]^k#� __^gmeb\a^g#MVc)

dTYf]Uf_X#gZ\a#]^g#Rm� msng`lfZ�gZaf^g#]^k#e^msm^g#IZak^#bg#

#DnkhiZ#]Zl#[^a^kkl\a^g]^#Sa^fZ,#]Zl#gb\am#gnk#]b^#EbgZgsf� kdm^,#

lhg]^kg#Zn\a#]b^#OkboZmaZnlaZem^#o^knglb\a^km^.#Hg_he`^#]^k#baf#sn-

`^l\akb^[^g^g#RZ_^-GZo^g-Db`^gl\aZ_m#p^km^m^#]^k#TR-CheeZk#`^`^g-

� [^k#]^f#Dnkh#nf#17,0&#Zn_#(Dg]^#Ingb /Dg]^#2009).#Vb^#Zg#]^k#

Dgmpb\deng`#]^k#RmZZmlZge^ba^g#Z[e^l[Zk,#pZk^g#]b^#BDD-K� g]^k#ohg#

]^k#Rd^ilbl#`^`^g� [^k#]^g#vO^kbia^kb^-K� g]^kg#]^l#Dnkh`^[b^mly#lh#

`nm#pb^#gb\am#[^mkh__^g.#

$#MZ\a#]^k#RmZ`gZmbhg#sn#IZak^l[^`bgg#2010#li� km^#]b^#xdeVccVZ)

TYZdTYV#Vbkml\aZ_m#bf#2.#PnZkmZe#dk� _mb`^g#@n_pbg].#Vbk#`^a^g#ohg#

^bg^f#AHO-@glmb^`#ohg#snfbg]^lm#0,7&#snf#UhkjnZkmZe#Znl#(^mpZ#

2,8&#[bl#3,0&#IZak^lkZm^).#E� k#]Zl#^klm^#GZe[cZak#^k`b[m#lb\a#]ZkZnl#

^bg#Oenl#ohg#1&#`^`^g� [^k#UhkcZak,#gZ\a#fbgnl#3,9#&#bf#F^lZfm-

cZak#2009.#Cb^#Hg]nlmkb^ikh]ndmbhg#aZm#lb\a#bf#Rhff^k#l^ak#]^nmeb\a#

[^l\ae^ngb`m.#C^k#AZgd#@nlmkbZ#DbgdZn_lLZgZ`^kHg]^q#^kk^b\am^#bf#

2.#PnZkmZe#^bg#@ees^bmah\a.#I^]h\a#[eb^[#]b^#Hgo^lmbmbhglm� mb`d^bm#Zg`^-

lb\aml#^bg^k#JZiZsbm� mlZnleZlmng`#ohg#p^gb`^k#Zel#80#Okhs^gm#gh\a#

l\apZ\a.#CZl#DqihkmpZ\almnf#`^pZgg#snk#IZak^lfbmm^#abg#z#]Zgd#

]^k#dk� _mb`^g#MZ\a_kZ`^,#bgl[^lhg]^k^#Znl#]^f#ZlbZmbl\a^g#QZnf,#

ng]#ngm^klm� msm#]nk\a#]^g#l\ap� \a^k^g#Dnkh#z#gh\a#Zg#JkZ_m.#Cb^#

gZ\aeZll^g]^g#Dbgs^eaZg]^el]Zm^g#_� k#@ikbe#ng]#LZb#]^nm^g#]Z`^`^g#

Zg,#]Zll#]^k#ikboZm^#Jhglnf#Zg`^lb\aml#]^k#RiZk]bldnllbhg,#]^k#

l\apZ\a^g#@k[^bmfZkdmeZ`^#ng]#]^k#^mpZl#Zgsb^a^g]^g#Ok^bllm^b`^-

kng`lkZm^g#[^k^bml#Zg#CrgZfbd#o^keb^km.#Cb^#MZ\a_kZ`^#gZ\a#Ebkf^g-#

ng]#OkboZmdk^]bm^g#pZk#bf#^klm^g#GZe[cZak#l\apZ\a,#e^]b`eb\a#]^k#V^\a-

l^ednkl^__^dm#]nk\a#]^g#lmZkd^g#R\ap^bs^k#EkZgd^g,#]b^#Jk^]bmZn_gZaf^#

ohg#R^bm^g#]^k#� __^gmeb\a^g#GZnlaZem^#ng]#l\aeb^�eb\a#]Zl#l^ak#gb^]kb`^#

Mbo^Zn#sn#Tembfh#2009#eb^�^g#]^g#A^lmZg]#Zg#Jk^]bm^g#`^`^g� [^k#

#Tembfh#e^b\am#lm^b`^g.#CZ[^b#pZk#]Zl#Ybglgbo^Zn#bf#M^n`^l\a� _m#gh\a-

fZel#k� \de� n_b`,#h[phae#]b^#Q^_^k^gssbgll� ms^#[^k^bml#^bg^#e^b\am^#

J^akmp^g]^#gZ\a#h[^g#oheesh`^g.#V^bm^k^#Ynp� \al^#o^ks^b\ag^m^g##

]b^#AZgd^bgeZ`^g,#ph[^b#c^]h\a#]b^#CrgZfbd#lhphae#[^b#OkboZm^bgeZ`^g#

Zel#Zn\a#[^b#Ebkf^g^bgeZ`^g#gZ\asneZll^g#l\a^bgm.#Cb^#DbgeZ`^sbgl^g#

[eb^[^g#bf#dnks_kblmb`^g#A^k^b\a#dhglmZgm,#e^]b`eb\a#[^b#e� g`^k^g#Ybgl-

[bg]ng`^g#dZf#^l#gh\afZel#sn#^bg^f#e^b\am^g#Q� \d`Zg`.

$#Hg#QV_ecR])!f_U!FdeVfc`aR!$9<<%#blm#]^k#@n_l\apng`#z#[^b#`kh�^g#

k^`bhgZe^g#Tgm^kl\ab^]^g#z#Zg`^dhff^g,#]b^#VZ\almnflkZm^g#eb^`^g#

pb^]^k#]^nmeb\a#� [^k#c^g^g#V^lm^nkhiZl.#@ee^g#ohkZg#_^lmb`m^#lb\a#]b^#

Jhgcngdmnk#bg#]^k#S� kd^b,#Z[^k#Zn\a#bg#QnlleZg]#ng]#^qihkmhkb^gmb^km^g#

K� g]^kg#pb^#]^k#RehpZd^b.#MZ\as� `e^k#lbg]#ohk#Zee^f#c^g^#K� g]^k,#]b^#

ohk#]^k#Jkbl^#bg#]^k#� [^kabmsng`#lmZg]^g.#MZ\a#]^k#`^eng`^g^g#Q� \d-

_� akng`#]^k#^qm^kg^g#EbgZgsb^kng`l]^_bsbm^#l^msm^g#]b^#JZibmZesn_e� ll^#

bg#]b^#BDD-Q^`bhg#eZg`lZf#pb^]^k#^bg.#EZlm#Zee^#K� g]^k#ngm^kgZaf^g#

@glmk^g`ng`^g,#]b^#� __^gmeb\a^g#C^_bsbm^#snk� \dsn_� ak^g,#nf#bak^#

RmZZmll\ane]^gjnhm^#Zn_#]^f#o^k`e^b\alp^bl^#gb^]kb`^g#Mbo^Zn#sn#aZe-

m^g.#Cb^#]Zohg#Znl`^a^g]^g#Ak^flpbkdng`^g#[^eZlm^m^g#]b^#Abgg^g-

dhgcngdmnk#ng]#]^g#Jhglnf#snl� mseb\a#sn#]^k#aha^g#@k[^bmlehlb`d^bm#

ng]#]^k#(o^k`eb\a^g#fbm#]^g#AhhfcZak^g#`^kbg`^g)#Dbgdhff^gllm^b`^-

kng`.#V� ak^g]#lb\a#]Zl#Ebkf^gdng]^g`^l\a� _m#ohg#]^k#Q^s^llbhg#sn#

e� l^g#[^`Zgg,#lmZ`gb^km^#]b^#Dgmpb\deng`#bf#OkboZmdng]^gdk^]bm.#Cb^#

Jk^]bmjnZebm� m#^gmpb\d^em^#lb\a#^[^g_Zeel#l^ak#ngm^kl\ab^]eb\a.#V� ak^g]#

lb\a#]^k#Jk^]bmsrdenl#bg#K� g]^kg#pb^#]^k#S� kd^b#o^k[^ll^km^#ng]#bg#]^g#

f^blm^g#K� g]^kg#dnks#ohk#h]^k#dnks#gZ\a#]^f#G� a^ingdm#lm^am,#pbk]#

]b^#RZgb^kng`#bg#]^g#Okh[e^fe� g]^kg#gh\a#^bgb`^#Y^bm#bg#@glikn\a#

g^af^g.#Cb^#BDD-V� akng`^g#ngl^k^l#Dbgsn`l[^k^b\al#p^km^m^g#bf#

U^keZn_#]^l#1.#GZe[cZak^l#`^`^g� [^k#]^f#Dnkh#]^nmeb\a#Zn_.#F^ph`^g#

fbm#@gm^be^g#Zf#AZgd#@nlmkbZ-A^mkb^[l^k`^[gbl#^k`Z[#lb\a#_� k#]^g#

Cnk\al\agbmm#]^l#1.#GZe[cZak^l#^bg^#@n_p^kmng`#nf#kng]#4&,#]b^#ohg#

c^g^g#K� g]^kg#`^mkZ`^g#pnk]^,#]b^l#lb\a#gb\am#gnk#Zf#Dnkh,#lhg]^kg#

Zn\a#Zf#TR-CheeZk#hkb^gmb^k^g.#CZll#]b^#dnks_kblmb`^g#Ybgl^g#bg#_Zlm#

Zee^g#K� g]^kg#]^nmeb\a#`^l^gdm#p^k]^g#dhggm^g,#ngm^klmk^b\am#c^]h\a,#

]Zll#]b^#Q^`bhg#BDD#o^k`eb\a^g#fbm#]^k#Rd^ilbl#ohk#^bg^f#IZak#U^k-

mkZn^g#snk� \d`^pbgg^g#dhggm^.#

LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

IYRQXP!PQ^!6MZWSQ^OTlR_^!

#(.'+1((.14+&,-2.)"3/."$1%%10%.-(+*(.

-$ -%%##, %#$#

-& -' -$ -% -&#$%&'()*+,$#$$

".

())%/A00A@0<93653<"#,.-=?40<")-'+")B?=>3$

)B?=%'3<15;0?8"#&%7C5?64$

*?63153<90<2"#&%7C5?64$

#$$"%'&)/',+1./'-02*&+,1-(

)B5&()2C4?AB=6"6464=F24?"34<"-B?>%"64C>64="<8A"34="*48A?E64="

DB<"+--&*4A?842@4?642=8@"34?"*1=9")B@A?81"#>7=4".>;4=$'"

/$ /%%##* %#$#

/& /' /$ /% /&

6464=F24?34<"0/&,>;;1?

.3124",0"-$"%##*+$##

*%

*'

*(

*)

$##

$#%

$#'

$#(

$#)

$$#

"

"

"

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Halbjahreslagebericht zum 30. Juni 2010

/6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

jNQ]NXUOW!"#Cb^#DkmkZ`leZ`^#]^k#AZgd#@nlmkbZ#^kahem#lb\a#mk^g]f� �b`#l^bm#

Lbmm^#2009#fbm#gnk#`^kbg`^g#PnZkmZell\apZgdng`^g,#pZl#lb\a#

#sng^af^g]#Zn\a#bf#Dk`^[gbl#gb^]^kl\ae� `m.#Hf#2.#PnZkmZe#2010#

o^k[^ll^km^#lb\a#]Zl#eZn_^g]^#hi^kZmbo^#F^l\a� _m#lmZkd,#lh]Zll##

]b^#_hkm]Zn^kg]^g#A^eZlmng`^g#l^bm^gl#^bgb`^k#Okh[e^fe� g]^k#bg#

Y^gmkZe-#ng]#Nlm^nkhiZ#f^ak#Zel#Znl`^`eb\a^g#p^k]^g#dhggm^g.#

CZl#<cXVS_Zd!g`c!JeVfVc_!lmb^`#ohf#^klm^g#snf#sp^bm^g#PnZkmZe#

nf#.."!Zn_#/10!DZ`!l.#F^f^ll^g#Zg#]^f#bff^k#gh\a#l\apb^kb-

`^g#AkZg\a^gnf_^e]#bg#�lm^kk^b\a#ng]#bg#]^g#BDD-K� g]^kg#blm#]b^l#

^bg#`nm^l#Dk`^[gbl,#bff^kabg#� [^kmkb__m#^l#]^g#Cnk\al\agbmm#]^k#

e^msm^g#sp^b#IZak^#(348#Lbh#u#� [^k#]b^#e^msm^g#9#PnZkmZe^).#

$BU[!e% H.!.,-, M<IsE;<ILE>!>>* ?-!.,-, M<IsE;*

MFIHL7IK7C MFIA7?I MFIA7?I

A^mkb^[l^kmk� `^ 1.906 +12& +6& 3.601 z6&

A^mkb^[l^k`^[gbl 982 +26& +9& 1.761 z13&

Dk`^[gbl#o.Rm. 354 +22& +9& 644 z39&

F^pbgg*) 217 z10& z24& 459 z45&

Cb^#A^mkb^[l^kmk� `^#dhggm^g#bf#.*!HfRceR]!.,-,#nf#12&#`^`^g-

� [^k#UhkjnZkmZe#`^lm^b`^km#p^k]^g,#bf#UhkcZak^lo^k`e^b\a#^k`b[m#lb\a#

^bg#Oenl#ohg#6&.#Yn#]^k#U^k[^ll^kng`#bf#PnZkmZelo^keZn_#aZ[^g#

Zee^#DkmkZ`ldhfihg^gm^g#lhphae#bg#�lm^kk^b\a#Zel#Zn\a#bg#BDD#[^b-

`^mkZ`^g.#C^k#Ybgl� [^kl\anll#eb^`m#mkhms#]^l#c� g`lm^g#YnpZ\al^l#

(+6&#`^`^g� [^k#]^f#UhkjnZkmZe)#gh\a#nf#3&#abgm^k#]^f#z#Zee^k-

]bg`l#l^ak#`nm^g#z#UhkcZak^lgbo^Zn#snk� \d.#CZ#lb\a#]b^#UhenfbgZ#

(^mpZ#`^f^ll^g#Zf#]nk\al\agbmmeb\a^g#Jng]^gdk^]bm#h]^k#Zg#]^g#

QblbdhZdmboZ)#bg#]b^l^f#IZak#pb^]^k#[^e^[m#aZ[^g#ng]#[^k^bml#pb^-

]^k#� [^k#]Zl#Mbo^Zn#ohk#^bg^f#IZak#abgZnl`^a^g,#blm#]b^#LZk`^g-

dhfik^llbhg#]Z_� k#fZ�`^[eb\a,#]b^#bf#snk� \deb^`^g]^g#IZak#fbm#

Zg]Zn^kg]^f#Mb^]kb`sbglnf_^e]#lmZmm`^_ng]^g#aZm.#A^lhg]^kl#

# k_k^neb\a#blm#]b^#Rm^b`^kng`#]^l#Okhoblbhgl� [^kl\anll^l#(10&#

# ^`^g� [^k#UhkjnZkmZe,#+17&#`^`^g� [^k#UhkcZak)#Zn_#518#Lbh#u,##

lh#ah\a#pZk#^k#sne^msm#Dg]^#2008.#@n\a#ab^kZg#pZk^g#�lm^kk^b\a#

ng]#BDD#`e^b\a^kfZ�^g#[^m^beb`m.#@n\a#]Zl#GZg]^el^k`^[gbl#

(158#Lbh#u)#eb^`m#bf#U^keZn_#pb^#Zn\a#bf#UhkcZak^lo^k`e^b\a#bf#Oenl,#

p^gg#Zn\a#fbmo^knklZ\am#]nk\a#Rhg]^k^__^dm^#ng]#]b^#� [eb\a^g#

PnZkmZel\apZgdng`^g.#CZgd#]^l#o^kaZem^g^g#Jhlm^gZn_mkb^[l#

(dgZii#1&#``.#UhkjnZkmZe,#`nm#2&#`^`^g� [^k#UhkcZak)#ng]#]^k#

Bhlm / Hg\hf^-QZmbh#ohg#kng]#50&#gZaf#]Zl#A^mkb^[l^k`^[gbl#bf#

2.#PnZkmZe#2010#gh\a#lm� kd^k#sn#Zel#]b^#Dkmk� `^,#g� feb\a#nf#26&#

bf#U^keZn_#ng]#nf#9&#`^`^g� [^k#UhkcZak.#

C^k#[^mk� \ameb\a^#Z[lhenm^#@glmb^`#]^l#A^mkb^[l^k`^[gbll^l#nf#

+204#Lbh#u#ohf#^klm^g#snf#sp^bm^g#PnZkmZe#l\aen`#Zn_`kng]#]^k#

a� a^k^g#gb\am-hi^kZmbo^g#@[s� `^#gnk#snf#S be#Zn_#]Zl#Dk`^[gbl#

]nk\a.#C^k#Jk^]bmkblbdhZn_pZg]#pZk#bf#2.#Pn.#2010#fbm#457#Lbh#u#

pb^]^k#^mpZl#a� a^k#Zel#bf#1.#PnZkmZe#2010#(439#Lbh#u).#Dk#ngm^k-

l\ak^bm^m#]Zfbm#spZk#]^nmeb\a#]b^#Jkbl^ggbo^Znl#]^l#]kbmm^g#ng]#ob^k-

m^g#PnZkmZel#2009#(603#Lbh#u#[sp.#655#Lbh#u),#blm#Z[^k#bff^k#gh\a#

l^ak#ah\a.#Dgml\a^b]^g]#pZk^g#Z[^k#_bgZgsm^\agbl\a^#LZ�gZaf^g#

bf#A^m^beb`ng`lfZgZ`^f^gm,#g� feb\a#Fhh]pbee-@[l\ak^b[ng`^g#bg#

G� a^#ohg#167#Lbh#u,#]b^#� [^kpb^`^g]#Zn_`kng]#]^k#@dmnZeblb^kng`#

]^l#A^p^kmng`lls^gZkbhl#_� k#ngl^k^#dZlZ\abl\a^#Sh\am^k[Zgd#ghm-

p^g]b`#pnk]^g.#CZl#Dk`^[gbl#ohk#Rm^n^kg#lmb^`#]Za^k#gnk#f^ak#nf#

64#Lbh#u,#ikhs^gmn^ee#Z[^k#bff^k#gh\a#nf#22&#`^`^g� [^k#UhkjnZk-

mZe#([sp.#9&#`^`^g� [^k#UhkcZak).#Mh\a#]^nmeb\a^k#� [^kmkZ_#]Zl#Uhk-

lm^n^k-Dk`^[gbl#]b^#l\apZ\a^g#Q^lnemZm^#]^l#]kbmm^g#ng]#ob^km^g#

PnZkmZel#2009.#CZkZnl#pbk]#[^k^bml#]Zl#vT-_� kfb`^y#U^keZn_lfnlm^k#

^klb\ameb\a#(o`e.#FkZ_bd),#]^f#]b^#Dkmk� `^#ng]#Zn\a#]b^##UhenfbgZ#bg#

]^g#e^msm^g#^bg^bgaZe[#IZak^g#z#Znl`^a^g]#ohg#^bg^f#l^ak#`nm^g#

#Dk`^[gbl#@g_Zg`#2009#z#`^_he`m#lbg].#

"#Cb^l^k#U^keZn_,#]^k#ohg#^bg^k#l^ak#aha^g#@nl`Zg`l[Zlbl#bg#]^g#

^klm^g#LhgZm^g#ohg#2009#Znl`^a^g]#sn#]^g#l^ak#l\apZ\a^g#PnZk-

mZe^g#Lbmm^ /Dg]^#2009#Z[_� eem,#nf#l\aeb^�eb\a#bg#^bg^g#fh]^kZm^g#

Vb^]^kZn_l\apng`#bg#]b^l^f#IZak#sn#f� g]^g,#^kde� km#Zn\a,#pZknf#

]Zl#Dk`^[gbl#_� k#]Zl#-*!?R]S[RYc!.,-,#mkhms#]^k#c� g`lm^g#U^k[^ll^-

kng`#gh\a#g^`Zmbo^#VZ\almnflkZm^g#bf#UhkcZak^lo^k`e^b\a#Zn_p^blm.#

Hg#]^g#^klm^g#l^\al#LhgZm^g#2010#dnfneb^km#^kk^b\am^#]b^#AZgd#@nlmkbZ#

^bg#<cXVS_Zd!g`c!JeVfVc_!g`_!200!DZ`!l.#CZl#blm#Zg`^lb\aml#]^l#

Tf_^e]l#^bg#`nm^l#Q^lnemZm#z#f^ak#Zel#]Zl#Chii^em^#(+124&)#]^l#

2.#GZe[cZakl#2009#(287#Lbh#u)#z#p^gg#Zn\a#nf#39&#p^gb`^k#Zel#bg#

]^k#^klm^g#IZak^la� e_m^#2009#(1.048#Lbh#u),#]^f#Q^_^k^gs-Y^bmkZnf#

]^l#� [eb\a^g#UhkcZak^lo^k`e^b\al.#Cb^#pb\amb`lm^#TklZ\a^#]^l#Q� \d-

`Zg`l#`^`^g� [^k#UhkcZak#blm#^bg#z#^b`^gmeb\a#ihlbmbo#sn#[^p^km^g]^k#z#

8UQ!6MZW!5`^_]UM!UY!+(!=MXNVMT]!,*+*

$+53.+)4+3539-+

$+53.+)4+3-+)2.4

%3-+)2.4"7#"'5#

%$"1BEG>8?@FB="7;D;>B>=E"FA"1>BA6@;<<;?E;&"9JBB;"2>B>;B"H;>=;B"4D>=>B6@G;DE;'

5+ 5, 5+5*

*((. *((0 *()(*((/

5) 5) 5* 5+ 5, 5) 5)5* 5*5,

$#

$#

$#

%3-+)2.4+258.*/062-".1"&6(35(047+30(6,"#3>C"K$

I-((

I*-(

(

*-(

-((

.-(

)'(((

)'*-(

)'-((

)'.-(

*'(((

)/973/,8%+;0=/4.;41/4

43-29%56/7+93</"(;0=&'*797&

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

06MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

AZlbl^__^dm,#g� feb\a#]Zl#a^kZnlkZ`^g]^#`nm^#Ybgl^k`^[gbl#]^k#^kl-

m^g#LhgZm^#ohg#2009,#Zg#]Zl#bf#`^`^gp� kmb`^g#Mb^]kb`sbglnf_^e]#

gb\am#a^kZgsndhff^g#blm.#C^k#Q� \d`Zg`#]^l#M^mmhsbgl^kmkZ`l#nf#

287#Lbh#u#(z11,5&)#bf#UhkcZak^lo^k`e^b\a#lib^`^em#Zelh#]b^#Zn�^k-

`^p� ageb\a^#LZkdmeZ`^#ohk#^bg^f#IZak#pb]^k,#bgl[^lhg]^k^#]b^#@g-

_Zg`lbfinel^#]^k#kZl\a^g#Ybgll^gdng`#kng]#nf#]^g#IZak^lp^\al^e#

2008/2009,#[^]^nm^m#Z[^k#gb\am,#]Zll#]Zl#Ybgl^k`^[gbl#bg#]b^l^f#

IZak#l\ae^\am#p� k^.#Hf#F^`^gm^be,#]^k#c^msm#^kk^b\am^#M^mmhsbgl^kmkZ`#

(2.218#Lbh#u)#blm#a� a^k#Zel#bf#1.#GZe[cZak#2008#z#ik^-K^afZg$#z#

]ZfZel#[^mkn`#^k#2.183#Lbh#u.#C^k#f^ak#h]^k#p^gb`^k#vhimbl\a^y#

Q� \d`Zg`#]^l#Ybgl� [^kl\anll^l#nf#256#Lbh#u#l\ae� `m#[bl#Zn_#]b^#

Dk`^[gbl^[^g^#]nk\a#ng]#dhggm^#]nk\a#^bg^#`nm^#Dgmpb\deng`#]^k#

sbglngZ[a� g`b`^g#Dkmk� `^#(+3&#Zn_#1.301#Lbh#u)#spZk#`^fbe]^km,#

Z[^k#gb\am#dhfi^glb^km#p^k]^g.#Cb^#A^mkb^[l^kmk� `^#bgl`^lZfm#

(1.#Gc.#2010;#3.601#Lbh#u)#gZaf^g#`^`^g� [^k#UhkcZak#nf#6&#Z[,#

Zelh#p^gb`^k#lmZkd#Zel#]^k#Ybgl� [^kl\anll,#pZl#ohk#Zee^f#Zn_#]^g#

`^lmb^`^g^g#Okhoblbhgl� [^kl\anll#snk� \dsn_� ak^g#blm#(+89#Lbh#u /#

+10&).#Cb^#A^mkb^[lZn_p^g]ng`^g#pZk^g#bf#1.#GZe[cZak#2010#gnk#

nf#2,5&#a� a^k#Zel#bg#]^k#U^k`e^b\ali^kbh]^#2009.#Hg#�lm^kk^b\a#

lbg]#lb^#`^lngd^g,#bg#]^k#BDD-Cboblbhg#nf#8,0&,#p^\al^ednkl-

[^k^bgb`m#gnk#nf#4,4&#`^lmb^`^g.#Rhfbm#pZk#]Zl#A^mkb^[l^k`^[gbl#

(1.761#Lbh#u)#bf#UhkcZak^lo^k`e^b\a#^mpZ#bg#`e^b\a^f#@nlfZ�#k� \d-

e� n_b`#pb^#]^k#Ybgl� [^kl\anll,#g� feb\a#nf#267#Lbh#u.#

C^k#Jk^]bmkblbdhZn_pZg]#(896#Lbh#u)#pZk#bf#1.#GZe[cZak#2010#nf#

f^ak#Zel#^bg#Ub^km^e#(29&)#`^kbg`^k#Zel#bg#]^k#dkbmbl\a^g#sp^bm^g#

IZak^la� e_m^#2009#(1.258#Lbh#u)#ng]#ngm^kl\akbmm#Zn\a#]^g#@n_pZg]#

]^k#U^k`e^b\ali^kbh]^#(1.009#Lbh#u).#Ch\a#blm#]Zl#Jk^]bmkblbdh#fbm#

Bhlm#h_#Qbld#ohg#142#AZlblingdm^g#]^l#]nk\al\agbmmeb\a^g#Jk^]bm-

ohenf^gl#gZ\a#pb^#ohk#l^ak#ah\a#ng]#[^Zglikn\am#]b^#G� e_m^#

(51&)#]^l#hi^kZmbo^g#Dk`^[gbll^l#(1.#Gc.#2010).#Cb^#R\a^k^#spb-

l\a^g#hi^kZmbo^f#Dk`^[gbl#ng]#Dk`^[gbl#ohk#Rm^n^kg,#]b^#lb\a#[bl#

Dg]^#2009#z#Zn_`kng]#]^k#_k� a^k#lh#[^s^b\ag^m^g#vZ.h.-D__^dm^y#

z#lmZkd#`^� __g^m#aZm,#[^`bggm#lb\a#Z[^k#eZg`lZf#pb^]^k#sn#

#l\aeb^�^g.#Cb^#DgmeZlmng`#l^bm^gl#]^l#Jk^]bmkblbdhZn_pZg]l#nf#

114#Lbh#u#pnk]^#bf#1.#GZe[cZak#2010#]nk\a#]b^#^kp� agm^g#

Fhh]pbee-HfiZbkf^gml,#]nk\a#^bg^#a� a^k^#Chmb^kng`#]^k#Q� \dlm^e-

eng`^g#lhpb^#]nk\a#^bg^#gb^]kb`^k^l#EbgZgsZgeZ`^^k`^[gbl#(@nl-

eZn_^g#]^k#Dk_he`l[^m^beb`ng`#Zg#]^k#TgbBk^]bm-Sh\am^k[Zgd#bg#

Ohe^g)#� [^kdhfi^glb^km.#Cb^#gb\am-hi^kZmbo^g#@[sn`lihlbmbhg^g#

spbl\a^g#A^mkb^[l^k`^[gbl#ng]#Dk`^[gbl#ohk#Rm^n^kg#pZk^g#lhfbm#

bf#1.#Gc.#2010#nf#136#Lbh#u#a� a^k#Zel#bf#IZak#snohk.#

CZl#<cXVS_Zd!g`c!JeVfVc_#[^mkn`#bf#1.#Gc.#2010#644#Lbh#u,#]b^#

@[gZaf^#`^`^g� [^k#UhkcZak#nf#39&#h]^k#404#Lbh#u#k^lnemb^km#

sn#sp^b#Ckbmm^eg#[sp.#fbm#267#Lbh#u#Znl#]^f#hi^kZmbo^g#Dk`^[gbl#

(ohk#Zee^f#AZlbl^__^dm#bf#Ybgl� [^kl\anll)#ng]#fbm#]^f#k^lmeb\a^g#

Ckbmm^e#(136#Lbh#u)#Znl#]^g#vgb\am-hi^kZmbo^g#@[sn`lihlbmbhg^gy.#

CZ#lb\a#]^k#^__^dmbo^#Rm^n^klZms#bf#dhglheb]b^km^g#Ypbl\a^gZ[-

l\aenll#(ngm^k#Zg]^k^f#p^`^g#]^l#U^kdZn_l#]^k#TgbBk^]bm#B@HA#@F)#

ohg#17,9&#bf#UhkcZak#Zn_#25,5&#bg#]b^l^f#IZak#^ka� am^,#_b^e#]^k#

Q� \d`Zg`#]^l#>VhZ__d#(@gm^be#]^k#Db`^gm� f^k#]^k#AZgd#@nlmkbZ#

Zf#Jhgs^ki^kbh]^g� [^kl\anll)#gh\a#lm� kd^k#Znl#Zel#ohk#Rm^n^kg.#

Lbm#459#Lbh#u#eZ`#^k#nf#45&#ngm^k#]^f#`nm^g#UhkcZak^lk^lnemZm,#

`e^b\aphae#nf#71&#� [^k#]^f#l\apZ\a^g#Dk`^[gbl#]^l#2.#GZe[-

cZak^l#2009#(268#Lbh#u).#

"#C^k#fh]^kZm^#@n_p� kmlmk^g]#bf#Jng]^g`^l\a� _m#s^b`m#lb\a#z#

lhphae#bg#�lm^kk^b\a#Zel#Zn\a#bg#Y^gmkZe-#ng]#Nlm^nkhiZ#(BDD)#z#

gb\am#gnk#Zn_#]^k#DkmkZ`ll^bm^,#lhg]^kg#Zn\a#bg#]^k#M`]f^V_dV_e)

hZT\]f_X.#C^k#]nk\al\agbmmeb\a^#Jng]^gdk^]bm#[^e^[m#lb\a#l^bm#

Dg]^#2009#pb^]^k#(lb^a^#FkZ_bd#g� \alm^#R^bm^)#ng]#dZf#Zn\a#bf#

GZe[cZak^l]nk\al\agbmm#[bl#Zn_#2&#Zg#]Zl#UhkcZak^lgbo^Zn#a^kZg.#

F^f^ll^g#Zg#]^g#kblbdh`^pb\am^m^g#@dmboZ#(QV@)#^k`b[m#lb\a##

_� k#]b^#AZgd#bgl`^lZfm#^bg#� ageb\a^l#Abe].#Skhms#]^l#c� g`lm^g#

#@glmb^`l#pZk^g#]b^#]nk\al\agbmmeb\a^g#QV@#bf#1.#Gc.#2010#nf#

4,5&#gb^]kb`^k#Zel#bf#UhkcZak.#CZl#eb^`m#ohk#Zee^f#Zg#]^k#Dgmpb\d-

eng`#bg#�lm^kk^b\a#(z7,7&),#ph#]b^#z#lmkZm^`bl\a#^kp� gl\am^#z#

Q^]ndmbhg#]^l#LZkdmkblbdhl#nf#61&#]^g#@nll\aeZ`#`Z[.#

@n\a#]b^#AbeZgssZae^g#s^b`^g#^bg^#Jecf\efcgVcSVddVcf_X;##

Cb^#AbeZgslnff^#gZaf#ohg#Tembfh#2009#[bl#Dg]^#Ingb#z#mkhms#

]^k#Dgmdhglheb]b^kng`#]^k#TgbBk^]bm#B@HA#z#nf#3,1&#Zn_#

.,,(1!DcU!l#sn,#m^bep^bl^#ngm^klm� msm#]nk\a#]b^#@n_p^kmng`#]^k#

BDD-V� akng`^g#`^`^g� [^k#]^f#Dnkh.#F^`^g� [^k#Ingb#2009#^k-

`b[m#lb\a#^bg#Q� \d`Zg`#nf#3,5&,#]^k#� [^kpb^`^g]#]nk\a#]b^#Q^-

]ndmbhg#]^l#Db`^gaZg]^el#Zn_#]^g#EbgZgsf� kdm^g#ng]#]^l#]Zfbm#

o^k[ng]^g^g#Hgm^k[Zgd`^l\a� _ml#(ohk#Zee^f#bg#]^k#B@HA#ngm^k#a^e]#

_hk#lZe^)#[^]bg`m#blm.#CZl#Jk^]bmohenf^g#pZk#i^k#Dg]^#Ingb#2010#

2LB@=IDM"'%"5E%"(&'&"DH"9JLE<CL@MP@LBG@D>C0&+<3</00/4="36"*37<A,/;<-2><<">7."73-2=%89/;+=3?/"(376+5/00/4=/",/5+<=/7"#)38"B$

@,;

31/;

"*37

<A,/

;<-2

><<

;DIM

U=@L

M>CO

MM"DI

MB@M

%

7LJ

PDMD

JIMU

=@LM

>COM

M

S=L

DB@"

2LNL

TB@

6JM

N@IM

N@DB

@LOI

B

4@L

DIB@

L@L"

6L@

?DNL

DMDF

J<OA

Q<I

?

3DLH

@IQ

@LN<

=M>C

L@D=

OIB

*37<

/;1/

,73<

"'8>

7=/;

9+;=<2L

B@=I

DM"P

JL"8

N@O@

LI"5

'"&/

"1"'

%&*.

R)+

(

R(+

,

#./

R+*

#''

*

R',

-

R.)

R*+

#/,

1

2LB@

=IDM

"PJL

"8N@

O@LI

"5'"

'&"1

",**

S=L

DB@"

ID>C

N$JK

@L<N

DP@

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

16MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

sn#98&#]nk\a#]Zl#Okbf� kfbmm^eZn_dhff^g#k^_bgZgsb^km#(Dg]^#2009;#

100&),#ohk#Zee^f#p^be#bg#]^g#BDD-K� g]^kg#]^k#Jng]^gdk^]bm#pb^]^k#

lm� kd^k#Zel#]b^#DbgeZ`^g#sn`^ghff^g#aZm.#CZl#<ZXV_\RaZeR]#bg#]^k#

AbeZgs#aZm#]nk\a#]b^#JZibmZe^ka� ang`,#]^g#eZn_^g]^g#F^pbgg#ng]#]b^#

A^p^kmng`lk� \deZ`^g#nf#25&#Zn_#-3(5!DcU!l#sn`^ghff^g.#Cb^#

CVgVcRXV-QZmbh#(]Zl#U^ka� emgbl#ohg#AbeZgslnff^#sn#Db`^gdZibmZe)#

dhggm^#ohf#14,7_Z\a^g#Dg]^#Ingb#2009#Zn_#]Zl#13,5_Z\a^#Dg]^#

2009#ng]#sne^msm#Zn_#]Zl#11,2_Z\a^#snk� \d`^_� akm#p^k]^g.#(Hg#]^k#

C^_bgbmbhg#hag^#bffZm^kb^ee^#U^kf� `^gl`^`^glm� g]^#eZnm^m#]b^#J^gg-

sZae^gk^ba^;#19,8q###18,2q###14,2q).#Cb^#<ZXV_^ZeeV]RfddeReef_X#

]^k#AZgd#(`^f� �#AVF)#aZm#lb\a#iZkZee^e#]Zsn#o^k[^ll^km.#CZl#J^kg-

dZibmZe#(Sb^k#1)#lmb^`#nf#29&#Zn_#12,8#Lk]#u.#A^sh`^g#Zn_#]Zl#

#Jk^]bmkblbdh#o^k[^ll^km^#lb\a#]b^#J^kgdZibmZejnhm^#(Sb^k#1-QZmbh)#ohg#

8,58&#(Dg]^#Ingb#2009)#Zn_#9,76&#(Tembfh#2009)#ng]#sne^msm#Zn_#

11,32&#(Dg]^#Ingb#2010),#]b^#F^lZfmdZibmZejnhm^#lmb^`#bg#]b^l^f#

Y^bmingdmo^k`e^b\a#ohg#10,02&#� [^k#11,29&#Zn_#12,63&.#

"#Hf#KZn_^#]^l#1.#GZe[cZak^l#2010#aZ[^g#pbk#bf#QZaf^g#]^l#

TgbBk^]bm-p^bm^g#Okh`kZffl#vF_V09y#z#Ng^#_hk#Beb^gml#z#pb\amb`^#

DmZii^g#`^ghff^g.#Cb^l^l#Okh`kZff#nf_Zllm#sZaek^b\a^#Zn_#Jng-

]^gg� a^#sb^e^g]^#Okhc^dm^,#]Zkngm^k#]b^#E^bgl^`f^gmb^kng`#]^k#U^k-

mkb^[lhk`ZgblZmbhg#Zel#@glZmsingdm#_� k#[^]Zk_l`^gZn^#A^mk^nng`lfh-

]^ee^.#Cb^#Yb^e`knii^g^k_Zllng`#]^l#OkboZmdng]^g-Ribms^gl^`f^gml#

ng]#]^k#SkZgl_^k#]^k#Shi-Jng]^g#Znl#Zg]^k^g#Cboblbhgl#Zg#]b^#Okb-

oZm^#AZgdbg`#Cboblbhg#blm#Z[`^l\aehll^g.#I^msm#Zk[^bm^g#pbk#]ZkZg,#]b^#

fbmme^k^g#Tgm^kg^af^g#(]^_bgb^km#gZ\a#jnZebmZmbo^g#Jkbm^kb^g#ng]/

h]^k#TflZms`k� �^#spbl\a^g#3#Lbh#u#[bl#50#Lbh#u)#bg#^bg^k#^b`^-

g^g#Rn[]boblbhg#sn#o^klhk`^g.#CZ#]b^l^l#vLbmm^elmZg]ll^`f^gmy#

hkmlgZa#ng]#]^s^gmkZe#[^mk^nm#p^k]^g#pbee,#p^k]^g#pbk#^l#ngm^k#

A^b[^aZemng`#]^k#`^pZ\al^g^g#A^sb^ang`^g#Z[#@g_Zg`#g� \alm^g#

IZak^l#]^k#[bla^kb`^g#Q^mZbe#Cboblbhg#Zg`eb^]^kg,#]b^#pbk#fbm#Aeb\d#

Zn_#]b^l^#Dkp^bm^kng`#bg#vGcZgRe\f_UV_(!B]VZ_)!f_U!DZeeV]SV)

ecZVSV#(OJLA)y#nf[^gZggm#aZ[^g.#

Cb^#mb^_`k^b_^g]lm^#U^k� g]^kng`#]^k#e^msm^g#PnZkmZe^#[^mkZ_#]Zl#

#@_gVde^V_eSR_\Z_X,#]Zl#bg#]^k#`Zgs^g#TgbBk^]bm#Fkhni#Zn_#]Zl#

dng]^g`^g^kb^km^#F^l\a� _m#ng]#]b^#]Z_� k#ghmp^g]b`^g#SkZ]bg`-

A^k^b\a^#dhgs^gmkb^km#pnk]^.#Vb^#[^k^bml#[^bf#YnlZff^gl\aenll#

snk#TgbBk^]bm#Fkhni#2005#o^k^bg[Zkm,#blm#]b^#TgbBk^]bm#AZgd#@F,#

L� g\a^g,#ohkfZel#GUA,#_� k#]b^l^l#� [^kk^`bhgZe^#Jhfi^m^gss^gm-

knf,#]Zl#Zg#f^ak^k^g#RmZg]hkm^g#hi^kb^km,#o^kZgmphkmeb\a.#Hf#Ingb#

aZ[^g#pbk#z#eZg`^#ohk[^k^bm^m#z#]b^#[bl#]Zabg#bg#]^k#AZgd#@nlmkbZ#

ohee#dhglheb]b^km^#TgbBk^]bm#B@HA#@F#Zg#]b^#TgbBk^]bm#AZgd#@F#

#o^kdZn_m.##A^k^bml#bf#Uhk_^e]#aZmm^g#pbk#]b^l^#Sh\am^k[Zgd#Zn_##

]b^#GZg]^el[^k^b\a^#Zn�^kaZe[#]^l#dng]^ggZa^g#F^l\a� _ml#dhg-

s^gmkb^km#ng]#]b^#dng]^ggZa^g#Hgo^lmf^gm[Zgdbg`-@dmbobm� m^g#bg#

]b^#AZgd#@nlmkbZ##k^bgm^`kb^km,#ph#[^k^bml#]Zl#AZgd-Sk^Zlnkr#ng]#

]b^#Kbjnb]bm� mllm^n^kng`#Zg`^lb^]^em#pZk^g.#C^k#MVc\RfW!UVc!

!L_Z9cVUZe!97@8!7>#lhpb^#]^k^g#Sh\am^k#TgbBk^]bm#B@HA#R^\nkbmb^l#

TJ#Km].#Zg#]b^#TgbBk^]bm#AZgd#@F,#L� g\a^g,#blm#^bg^#v� [^kmkZ`ng`#

ohg#F^l\a� _mlZgm^be^g#ngm^k#`^f^bglZf^k#Jhgmkhee^y#(Bhffhg#

Bhgmkhee#SkZglZ\mbhg),#lhfbm#d^bg#Tgm^kg^af^glsnlZff^gl\aenll,#

Zn_#]^g#HEQR#3#Zgp^g][Zk#p� k^.#(CZk� [^k#abgZnl#pnk]^#]b^#

TgbBk^]bm#B@HA#TJ#Km].#i^k#31.05.2010#ebjnb]b^km.)#CZl#nf_Zg`k^b-

\a^#U^kmkZ`lp^kd#[^bgaZem^m#pbkml\aZ_meb\a,#]Zll#]b^#AZgd#@nlmkbZ#]b^#

Cb^glme^blmng`^g#ng]#Okh]ndm^#lmZmm#pb^#[bla^k#ohg#]^k#B@HA#gng#

ohg#]^k#TgbBk^]bm#AZgd#@F#(ohkfZel#GUA)#[^sb^am.#Vb^#l\ahg#[^b#

Zg]^k^g#`knii^gbgm^kg^g#� [^kmkZ`ng`^g#pbk]#]b^#Jhgmbgnbm� m#Zn\a#

[^b#]b^l^k#SkZglZdmbhg#]Z]nk\a#`^pZakm,#]Zll#]b^#AZgd#@nlmkbZ#_� g_#

IZak^#eZg`#Zf#Dk_he`#]^k#`eh[Ze^g#Okh]n\m#Kbg^#vLZkd^mly#]^k#

TgbBk^]bm#BHA-Cboblbhg#iZkmbsbib^km.#Cb^#@glik� \a^#Zn_#snd� g_mb`^#

Dkmk� `^#lm^ee^g#[n\aaZem^kbl\a#`^l^a^g#^bg#C^kboZm#]Zk#ng]#lbg]#

]^f^gmlik^\a^g]#bf#GZg]^el^k`^[gbl#sn#[^p^km^g.#A^`bgg^g]#

fbm#Ingb#2010#p^k]^g#lb^#bf#BhkihkZm^#B^gm^k#Znl`^pb^l^g.##

C^k#U^kdZn_lik^bl,#]^k#sn#Dg]^#]^k#U^kmkZ`leZn_s^bm#� [^kik� _m#p^k-

]^g#dZgg,#blm#Zel#Ehk]^kng`#bg#]^k#AbeZgs#ngm^k#lhglmb`^#@dmboZ#

^bg`^lm^eem,#^bg#`^kbg`_� `b`^k#U^kdZn_l`^pbgg#pnk]^#[^k^bml#]bk^dm#

bf#Db`^gdZibmZe#`^[n\am.#CZl#Fkng]ikbgsbi#]^l#TgbBk^]bm-F^-

l\a� _mlfh]^eel#z#� [^kk^`bhgZe^#A� g]^eng`#]^k#Okh]ndmbhg/ ehdZe^#

Jng]^gg� a^#z#aZm#_� k#BHA-Jng]^g#[^lhg]^k^g#Rm^ee^gp^km.#Dbg^k-

l^bml#p^k]^g#]Zfbm#]b^#g� mb`^g#Fk� �^gl\ap^ee^g#_� k#]b^#S^begZaf^#

Zn_#]^f#bgm^kgZmbhgZe^g#EbgZgsfZkdm#`^ghff^g#ng]#]b^#V^mm-

[^p^k[l_� ab`d^bm#o^k[^ll^km,#Zg]^k^kl^bml#[e^b[m#]Zl#Okbgsbi#vhg^#

_Z\^#mh#ma^#\nlmhf^ky,#Zelh#]b^#ehdZe^#nf_Zll^g]^#Jng]^g[^mk^n-

ng`#Znl#^bg^k#GZg],#`^pZakm.#

#

%$"UPQEOOEICH3"8EPCHVFQPFEKDEO"=;<5&"=OISAQE"5ALJILG&"695"RLD"6MONMOAQE"6ELQEO'";RLDELFMODEORLGEL"LACH"JOEDIQGEBELDEO"?QEKKE"#QEIKTEIPE"ARCH"AL"ILQEOLAQIMLAKE";RLDEL$'

"";RLDELFMODEORLGEL (677"";RLDELFMODEORLGEL (UPQEOOEICH

"">IPIJMAJQISA"#>@4$(677"">IPIJMAJQISA"#>@4$(UPQEOOEICH

+))0 +))2 +)*)+))1

,85=607;07<>3.45=71&"?;<09903.2$#"=7/"())"#<OD"W$

,)

-)

.)

/)

0)

+-'%())

*90/3< %?;<09903.2

*90/3< %())

+-'%?;<09903.2

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

26MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

L`]!<QbUZZ'!`ZP!JQ]X`^_]QOTZ`ZS!UY!9UZdQXZQZ!

A^b#]^k#Hgm^kik^mZmbhg#]^k#U^k� g]^kng`lkZm^g#bg#]^g#FnU-SZ[^ee^g#

fnll#]ZkZg#^kbgg^km#p^k]^g,#]Zll#]^k#UhkcZak^lo^k`e^b\a,#]b^#F^`^g-

� [^klm^eeng`#]^k#GZe[cZak^l^k`^[gbll^#2010#ng]#2009,#sp^b#o^k-

l\ab^]^g^#V^em^g#fbm^bgZg]^k#bg#A^sb^ang`#l^msm;#Uhk#^bg^f#IZak#[^-

p^`m^#lb\a#]b^#Jhgcngdmnk#^gmeZg`#]^k#SZelhae^#]^k#mb^_lm^g#Q^s^llbhg#

]^k#MZ\adkb^`ls^bm.#Hg#ngl^k^f#Dbgsn`l[^k^b\a#pnk]^#]Zk� [^k#abgZnl#

]b^#Vb]^klmZg]l_� ab`d^bm#]^k#cng`^g#Uhedlpbkml\aZ_m^g#Y^gmkZe-#ng]#

Nlm^nkhiZl#Zg`^sp^b_^em.#Cb^#� [^kmkb^[^g^#Rd^ilbl#_� akm^#bg#BDD#sn#

aha^g#Qblbdhik� fb^g#ng]#^qm^kg^g#EbgZgsb^kng`likh[e^f^g#z#[^b#

aha^g#Tfl� ms^g#Zn_#]^g#F^e]-/C^obl^g-,#Ybgl-#ng]#C^kboZm^f� kdm^g#

pZk^g#ohk#Zee^f#]b^#bgm^kgZmbhgZe^g#AZgd^g#`^_hk]^km.#E� k#]b^#Vbkm-

l\aZ_mlihebmbd#pZk#ohk#^bg^f#IZak#]Zl#Jkbl^gfZgZ`^f^gm#snk#RmZ[beb-

lb^kng`#]^k#Jhgcngdmnk#ng]#]^l#AZgd^gl^dmhkl#h[^klm^#Okbhkbm� m.##

Cb^#kZ]bdZe^#Ybgll^gdng`#ng]#Zgl\aeb^�^g]^#Kbjnb]bm� ml`ZkZgmb^#]^k#

Y^gmkZe[Zgd^g#lm� msm^g#]b^#QblbdhmkZ`_� ab`d^bm#]^l#AZgd^gl^dmhkl,#

[^ohk#]^k#s^bmo^ks� `^km^#Jk^]bmkblbdhsrdenl#bf#2.#GZe[cZak#2009#l^bg^#

Ni_^k#_hk]^km^.#

"#Hg#]^k#FnU#]^k#AZgd#@nlmkbZ#pZk#]b^#U^k`e^b\ali^kbh]^#]^l#

1.#GZe[cZak^l#2009#]Za^k#ohg#^bg^f#aha^g#Ybgl^k`^[gbl#bf#Sk^Zlnkr#

ng]#Ybgl-Jng]^g`^l\a� _m#lhpb^#ohg#lmZkd^g#GZg]^el^k`^[gbll^g#bg#

sZaek^b\a^g#BDD-K� g]^kg#`^ik� `m.#

G^nm^#`bem#^l,#]b^#MZ\a-#ng]#M^[^gpbkdng`^g#]^k#^qiZglbo^g#Ohebmbd#

sn#f^blm^kg#(Rmb\aphkm#RmZZmll\ane]^gdkbl^#bg#]^g#lh`.#Dnkh-O^kbia^-

kb^e� g]^kg).#MZ\a#@nleZn_^g#]^k#]rgZfbl\a^g#F^`^g[^p^`ng`#blm#

]^k#@n_l\apng`,#pb^#^bg`Zg`l#[^l\akb^[^g,#gnk#fh]^kZm#fbm#gZ\a#

pb^#ohk#_eZn^k#Jk^]bmgZ\a_kZ`^.#Cb^#Jk^]bmkblbd^g#lbg]#spZk#pb^]^k#`^-

kbg`^k#Zel#bg#]^k#sp^bm^g#IZak^la� e_m^#2009,#Z[^k#gZ\a#pb^#ohk#]^nm-

eb\a#� [^k#UhkcZak,#ng]#]Zl#[^b#lmZkd^g#Tgm^kl\ab^]^g#gZ\a#K� g]^kg.#

Cb^#LZk`^g#bf#Zdmbo-#pb^#iZllbol^bmb`^g#sbglpbkdlZf^g#F^l\a� _m#

pZk^g#ohk#Zee^f#bg#�lm^kk^b\a#p^bm^k#ngm^k#Ckn\d,#bg#BDD#aZ[^g#lb\a#

]b^#ehdZe^g#Q^_bgZgsb^kng`ldhlm^g#]^k#AZgd^g#bf#U^k`e^b\a#snk#Jkb-

l^gs^bm#ohk#^bg^f#IZak#`^[^ll^km,#lb^#lbg]#Z[^k#bff^k#gh\a#ah\a.#

"#Cb^l^#ob^e_� emb`^g#Dbg_enll_Zdmhk^g#ik� `m^g#Zn\a#]^g#QZ_dySVc)

dTYfdd#bf#UhkcZaklo^k`e^b\a.#Rh#aZ[^g#lb\a#]b^#UhenfbgZ#ng]#]Zfbm#

Zn\a#]^k#Ybgl� [^kl\anll#sne^msm#pb^]^k#[^e^[m#(P2#10/P1#10;#

+6&).#Hf#1.#Gc.#2010#^kk^b\am^#]^k#Ybgl� [^kl\anll#2.301#Lbh#u,#

]Zl#lbg]#64&#]^k#A^mkb^[l^kmk� `^#bgl`^lZfm.#F^`^g� [^k#UhkcZak#^k-

`b[m#lb\a#Zn_`kng]#]^k#aha^g#U^k`e^b\al[Zlbl#Znl#]^g#Zg`^_� akm^g#

Fk� g]^g#^bg^#@[gZaf^#nf#10&.#C^k#Z[lhenm^#Q� \d`Zg`#nf#

z256#Lbh#u#lmZffm#Znl#]^f#� lm^kk^b\abl\a^#Jng]^g`^l\a� _m*).##

Gb^k#pZk#]^k#Ybgl� [^kl\anll#nf#388#Lbh#u#h]^k#^bg#Ckbmm^e#gb^]kb-

`^k#Zel#ohk#^bg^f#IZak.#CZohg#pb^]^knf#^gm_� eem#]^k#p^bm#� [^kpb^-

`^g]^#S be#(z352#Lbh#u)#Zn_#]^g#bgm^kgZmbhgZe^g#EbgZgsfZkdaZg]^e#

ng]#]Zl#Sk^Zlnkr#z#k^ik� l^gmb^km#]nk\a#]Zl#]ZfZeb`^#F^l\a� _ml-

_^e]#vLZkd^ml#'#Hgo^lmf^gm#AZgdbg`#(LHA)y#ng]#]^g#a^nmb`^g#A^-

k^b\a#v9`f_eVcaRcedy#]^k#g^n^g#BHA-Cboblbhg.#Q^\ameb\a#`^l^a^g#

pnk]^#]b^l^#S� mb`d^bm#� [^kpb^`^g]#� [^k#ngl^k^#bf#Ingb#o^kdZn_m^#

Sh\am^k[Zgd#L_Z9cVUZe!97@8!7>#Z[`^pb\d^em.#Lbm`^pbkdm#aZ[^g#

lhfbm#Zn\a#]b^#Dbgl\ak� gdng`#]^l#Db`^gaZg]^el#lhpb^#]^k#Tf[Zn#

]^k#snf#U^kdZn_#lm^a^g]^g#B@HA.#Nag^#B@HA#`^k^\ag^m,#p� k^#]^k#

Ybgl� [^kl\anll#Zn\a#bf#UhkcZak^lo^k`e^b\a#z#lh`Zk#nf#292#Lbh#u#

h]^k#15&#z#`^lmb^`^g#(ng]#lhfbm#Zn\a#]Zl#A^mkb^[l^k`^[gbl#

a� a^k#Zel#bf#UhkcZak#`^p^l^g).#Hf#F^l\a� _ml_^e]#Y^gmkZe-#ng]#Nlm-

^nkhiZ#(BDD)#gZaf#]^k#Ybgl� [^kl\anll#nf#7&#h]^k#108#Lbh#u#

sn,#p^\al^ednkl[^k^bgb`m#nf#kng]#3&,#ab^k#^kk^b\am^#]Zl#Uhenf^g#

bf#Cnk\al\agbmm#_Zlm#]Zl#UhkcZak^lgbo^Zn,#bg#^bgb`^g#K� g]^kg#

lib^em^#]Zl#@[l\af^es^g#]^k#Qblbdhik� fb^g#bf#UhkcZak^lo^k`e^b\a#

^bg^#Qhee^.#@f#lm� kdlm^g#o^k[^ll^km^#lb\a#]^k#Ybgl� [^kl\anll#bg#

QnlleZg],#JkhZmb^g#ng]#Qnf� gb^g,#ng]#spZk#Zn\a#bg#ehdZe^k#V� a-

kng`.#Cb^#bf#Ybgl� [^kl\anll#^gmaZem^g^g#Dkmk� `^#Znl#Cbob]^g]^g#

ng]#Zm-^jnbmr#dhglheb]b^km^g#Sh\am^kngm^kg^af^g#lmb^`^g#Z[lhenm#

`^l^a^g#nf#31#Lbh#u#ng]#lm^n^km^g#snlZff^g#3,6&#snf#Ybgl-

� [^kl\anll#[^b.#

C^k#Gc`gZdZ`_dySVcdTYfdd#^gmpb\d^em^#lb\a#[^ll^k#Zel#]^k#Ybgl-

� [^kl\anll,#^bg#Hg]bs#]Z_� k,#]Zll#pbk#gh\a#bg#^bg^f#srdebl\a^g#

Ek� almZ]bnf#lm^a^g#(^qihkm`^mkZ`^g^k#@n_l\apng`,#l\apZ\a^#Abg-

g^gdhgcngdmnk,#Tgm^kZnleZlmng`#w),#bg#]^f#Tfl� ms^#ng]#Cb^glm-

e^blmng`^g#lm� kd^k#^qiZg]b^k^g#Zel#UhenfbgZ.#R^bm#l^bg^f#Sb^_#bf#

2.#PnZkmZe#2009#gbffm#]^k#Okhoblbhgl� [^kl\anll#pb^]^k#sn#([^-

lhg]^kl#lmZkd#bf#2.#PnZkmZe#2010),#nf#bg#]^g#^klm^g#l^\al#LhgZ-

m^g#988#Lbh#u#sn#^kk^b\a^g,#+10&#``.#UhkcZak.#Hf#� lm^kk^b\ab-

l\a^g#Jng]^g`^l\a� _m#pZk#]^k#Okhoblbhgl� [^kl\anll#bf#1.#GZe[-

cZak#2010#nf#12&#a� a^k#Zel#bf#UhkcZak,#ng]#spZk#`^mkZ`^g#ohg#

Zee^g#Cboblbhgl.#Hg#]^k#OJLA-Cboblbhg#s^b\ag^m^#lb\a#^bg^#A^e^[ng`#

]^l#V^kmiZib^k`^l\a� _ml#Z[,#gb\am#bg#F^lmZem#]^k#C^ihmnfl� ms^,#

lhg]^kg#o^k[ng]^g#fbm#]^f#OeZmsb^kng`l^k_he`#dZibmZe`ZkZgmb^km^k#

@geZ`^ikh]ndm^#ng]#]^k#RmZg]Zk]^fbllbhg^g.#Hf#F^l\a� _ml_^e]#BHA#

dhggm^g#Jk^]bm[^k^bmlm^eeng`l`^[� ak^g#(bf#Fkh�dng]^g`^l\a� _m#

lhpb^#[^b#Okhc^dm_bgZgsb^kng`^g)#ng]#]Zl#OkhoblbhglZn_dhff^g#

ohg#Fkhni#SkZglZ\mbhg#AZgdbg`#(FSA),#]Zkngm^k#@nleZg]lsZaeng`l-

o^kd^ak,#BZla#LZgZ`^f^gm#ng]#Bnlmh]r,#]Zl#p^bm^kabg#k� \de� n_b`^#

OkhoblbhglZn_dhff^g#Znl#]^f#C^kboZm^-F^l\a� _m#p^bm#� [^kdhf-

i^glb^k^g.#Hg#Y^gmkZe-#ng]#Nlm^nkhiZ#o^k[^ll^km^#lb\a#]^k#Okhoblb-

hgl� [^kl\anll#nf#10&#`^`^g� [^k#UhkcZak#(p^\al^ednkl[^k^bgb`m#

nf#4&).#Dbg^#pb\amb`^#Rm� ms^#pZk#^bgfZe#f^ak#ngl^k^#m� kdbl\a^#

A^m^beb`ng`#(+17&),#Zn\a#bg#QnlleZg]#ng]#JkhZmb^g#gZaf^g#]b^#

Okhoblbhg^g#lmZkd#sn.#Hg#]^k#AZgd#bgl`^lZfm#pZk#]^k#@gm^be#]^l#

Okhoblbhgl� [^kl\anll^l#Zg#]^g#hi^kZmbo^g#Dkmk� `^g#fbm#27&#bf#

1.#Gc.#2010#bff^k#gh\a#gb^]kb`,#`^`^g� [^k#^bg^f#Ckbmm^e#bg#]^g#

_� g_#IZak^g#ohk#2009#(Cnk\al\agbmm#2004#[bl#2008;#33,5&).#

*)#Tgm^k#v� lm^kk^b\abl\a^l#Jng]^g`^l\a� _my#p^k]^g#bg#]b^l^f#A^kb\am#]b^#Cboblbhgl;#OkboZmdng]^g,#Je^bg-#ng]#Lbmm^e[^mkb^[^#(OJLA),#OkboZm^#AZgdbg`#(OA)#ng]#BhkihkZm^#'#Hgo^lmf^gm#AZgdbg`#(BHA)#snlZff^g`^_Zllm.#Cb^l#^gmlikb\am#]^k#Q^`bhg#v�lm^kk^b\ay#hag^#BhkihkZm^#B^gm^k,#snfZe#]b^l^l#Zn\a#_� k#]b^#BDD-Cboblbhg#pb\amb`^#e^bm^g]^#ng]#ngm^klm� ms^g]^#Engdmbhg^g#^k_� eem.#

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

36MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

CZl#?R_UV]dVcXVS_Zd#bg#G� a^#ohg#234#Lbh#u#bf#1.#GZe[cZak#2010#

pZk#nf#14&#gb^]kb`^k#Zel#bg#]^k#U^k`e^b\ali^kbh]^.#C^k#Q� \d`Zg`#

bf#UhkcZak^lo^k`e^b\a#nf#38#Lbh#u#blm#]Zl#Q^lnemZm#`^`^ge� n_b`^k#

Dgmpb\deng`^g;#CZl#GZg]^el^k`^[gbl#]^k#Cboblbhg#BhkihkZm^#'#

#Hgo^lmf^gm#AZgdbg`#pZk#bf#1.#Gc.#2009#(`^f� �#]^k#Z]cnlmb^km^g#

R^`f^gm[^kb\am^klmZmmng`#(Q^lmZm^f^gm)#^bgl\aeb^�eb\a#_� g_#LhgZ-

m^g#B@HA)#bg#MZ\apbkdng`#]^k#EbgZgsfZkdmdkbl^#gh\a#bg#]^g#khm^g#

YZae^g#(z87#Lbh#u),#phkZnl#lb\a#^bg#Tfl\apng`#bgl#Ohlbmbo^#nf#

143#Lbh#u#Zn_#56#Lbh#u#bg#]b^l^f#IZak#^k`b[m.#@g]^kl#]^k#U^keZn_#

bg#Y^gmkZe-#ng]#Nlm^nkhiZ,#ph#]Zl#GZg]^el^k`^[gbl#ohk#^bg^f#IZak#

fbm#359#Lbh#u#^bg^g#a^kZnlkZ`^g]^g#G� \almlmZg]#^ksb^em^.#Uhk#

^bg^f#IZak,#bf#Tf_^e]#]^k#`^l\abe]^km^g#BDD-Rd^ilbl,#aZmm^#ohk#

Zee^f#]^k#lmZkd^#@[lb\a^kng`l[^]Zk_#bf#C^obl^g-#ng]#F^e]aZg]^e#

sn#aha^g#Tfl� ms^g#`^_� akm#ng]#snlZff^g#fbm#m^\agbl\a^g#D__^d-

m^g#bg#YnlZff^gaZg`#fbm#]^g#m^fihk� k^g#@[p^kmng`^g#aha^#SkZ-

]bg`#Okh_bml#[^pbkdm.#Hg#]^k#Ypbl\a^gs^bm#lmZ[beblb^km^#lb\a#]b^#fhg^-

m� k^#KZ`^#ng]#]Zl#^qm^kg^#Tf_^e],#lhfbm#Zn\a#]Zl#BDD-GZg]^el^k-

`^[gbl#Zn_#^bg^g#OhlbmbolZe]h#ohg#34#Lbh#u.#CZkZnl#^k`b[m#lb\a#^bg#

g^`Zmbo^k#Rpbg`#ohg#325#Lbh#u#bg#BDD,#]^k#]nk\a#]b^#� [kb`^g#F^-

l\a� _ml_^e]^k#^bgl\aeb^�eb\a#]^l#Z[#Ingb#2010#bf#GZg]^el^k`^[gbl#

]^l#BhkihkZm^#B^gm^k#`^[n\am^g#Dk_he`lZgm^bel#Zf#`eh[Ze^g#SkZ]bg`#

Okh_bm#]^k#Okh]ndmebgb^#LZkd^ml#]^k#TgbBk^]bm#BHA-Cboblbhg#(`^f� �#

B@HA-U^kdZn_l[^]bg`ng`^g)#gb\am#`Zgs#dhfi^glb^km#p^k]^g#dhggm^.#

Dbgl\aeb^�eb\a#lhglmb`^#[^mkb^[eb\a^#Dkmk� `^#ohg#79#Lbh#u#(z17#Lbh#u/#

z17&)#dnfneb^k^g#lb\a#_� k#]Zl#1.#GZe[cZak#8VecZVSdVcecwXV!g`_!

/*2,-!DZ`!l.#Hg#]^f#Q� \d`Zg`#nf#6&#h]^k#222#Lbh#u#`^`^g� [^k#

UhkcZak#l\ae� `m#]^k#^kp� agm^#AZlbl^__^dm#Zn_`kng]#]^l#`nm^g#Dk`^[-

gbll^l#]^k#GZg]^elZdmbobm� m^g#bf#UhkcZak#fbm#kng]#203#Lbh#u#sn#

An\a^.#Ohlbmbo#Znl`^pbkdm#aZm#lb\a#Zn\a#]^k#Tfl\apng`#bf#Bhkih-

kZm^#B^gm^k#bg_he`^#^bg^l#[^ll^k^g#Q^_bgZgsb^kng`l-#ng]#Kbjnb]bm� ml-

^k`^[gbll^l#bf#U^k`e^b\a#sn#]^k#l\apb^kb`^g#LZkdmeZ`^#bf#AZgd^g-

l^dmhk#@g_Zg`#2009#lhpb^#Zn_`kng]#]^l#^kp� agm^g#Dk_he`l[^bmkZ`l#

bg#YnlZff^gaZg`#fbm#]^k#`knii^gp^bm^g#Tflmkndmnkb^kng`#]^l#Hg-

o^lmf^gm#AZgdbg`.#

5N][RNK\N[][hPN!+(!<S(!,*+*!RV!GX[SJQ[N\_N[PUNRLQ $BU[!e%

?-!-, ?-!,5! M<IsE;<ILE>

�lm^kk.#Jng]^g`^l\a� _m 1.321 1.522 z201 z13&

d!NK[(4!7>6)7X^W]O[YK[]\ ,,- .,0 f,*- f.2"

Y^gmkZe-#ng]#Nlm^nkhiZ 2.218 2.396 z179 z7&

BhkihkZm^#B^gm^k 63# z140 +203 g.l.

A^mkb^[l^kmk� `^ 3.601 3.823 z222 z6&Cb__^k^gs^g#bg#]^k#Rnff^#(z45#Lbh#u#bf#C^emZ)#`^a^g#Zn_#]b^#@giZllng`#]^k#R^`f^gm[^kb\am-#^klmZmmng`#2009#Zg#]^g#c^msb`^g#Jhglheb]b^kng`ldk^bl#snk� \d,#lb^a^#Mhm^#(41),#R^bm^#53__.

#

MZ\a#]^g#lmZkd^g#DbgliZkng`^g#Dg]^#2008/@g_Zg`#2009#s^b`m^g#

]b^#8VecZVSdRfWhV_Uf_XV_#bf#U^keZn_#]^k#e^msm^g#PnZkmZe^#Z[-

`^l^a^g#ohg#`^kbg`^g#R\apZgdng`^g#^bg^#_eZ\a^#Dgmpb\deng`.##

Hf#1.#GZe[cZak#2010#[^mkn`^g#lb^#1.841#Lbh#u.#C^k#Jhlm^gZn_mkb^[#

`^`^g� [^k#UhkcZak#blm#fbm#+45#Lbh#u#h]^k#`^kZ]^#2,5&#`^kbg`.##

Hg#�lm^kk^b\a#(^bgl\aeb^�eb\a#BhkihkZm^#B^gm^k,#bg#]^f#ngm^k#Zg]^-

k^f#]b^#bgm^kg^g#Cb^glme^blmng`^g#_� k#Feh[Ze#AZgdbg`#R^kob\^l#lhpb^#

]b^#U^kpZemng`lZn_p^g]ng`^g#Zg_Zee^g)#pZk^g#]b^#Jhlm^g#nf#6&#

gb^]kb`^k.#@f#lm� kdlm^g#pZk#]^k#Q� \d`Zg`#bg#]^k#BHA-Cboblbhg,#ab^k#

ohk#Zee^f#bf#O^klhgZeZn_pZg],#^k#lm^am#gb\am#sne^msm#bg#YnlZff^g-

aZg`#fbm#]^k#R\aZ__ng`#^bg^k#`eh[Ze^g#Okh]ndm_Z[kbd#bf#EbgZgs-

fZkdmaZg]^e#(BHA /LZkd^ml)#Zn_#D[^g^#]^k#TgbBk^]bm#Fkhni.#Hg#BDD#

^k`Z[#lb\a#bf#1.#GZe[cZak#2010#^bg^#`^kbg`^#YngZaf^#`^`^g� [^k#

UhkcZak#(+8&),#bg#ehdZe^k#V� akng`#`^k^\ag^m#nf#+5&.#Gb^k[^b#blm#

Zn\a#]^k#@nl[Zn#]^k#]boblbhgZe^g#BDD-LZgZ`^f^gm_ngdmbhg^g#Zf#

RmZg]hkm#Vb^g#(BDD-Rn[ahe]bg`)#bg#Q^\agng`#sn#lm^ee^g.#Cb^#Jhlm^g-

]blsbiebg#blm#bg#Zee^g#K� g]^kg#[^Z\ameb\a.#Mnk#bg#]^k#S� kd^b#gZaf^g#

]b^#A^mkb^[lZn_p^g]ng`^g#bg#Dnkh#nf#15&#(bg#ehdZe^k#V� akng`#nf#

8&)#sn#z#Zee^k]bg`l#`^k^\am_^kmb`m,#snfZe#ab^k#Zn\a#]Zl#F^l\a� _m#

Zf#lm� kdlm^g#^qiZg]b^km#(Jng]^gdk^]bm#+34&,#AbeZgslnff^#+30&#

Ingb /Ingb)#ng]#Zn\a#bg#]b^#Dkp^bm^kng`#]^l#EbebZeg^ms^l#bgo^lmb^km#

pbk].#Ohlbmbo#Znl`^pbkdm#aZm#lb\a#]b^#Q^lmkndmnkb^kng`#]^l#U^kpZe-

mng`lZiiZkZml#bg#]^k#TdkZbg^#ng]#bg#JZlZ\almZg#(ab^k#bg#YnlZff^g-

aZg`#fbm#]^k#Jhgs^gmkZmbhg#]^k#[bla^kb`^g#Q^`bhgZe]bk^dmbhg^g).##

Hf#[bla^kb`^g#IZak^lo^keZn_#gZaf#]b^#LbmZk[^bm^ksZae#bg#BDD#nf#

599#O^klhg^gcZak^#(ESD)#Zn_#51.733#Z[#(S� kd^b#sn#100&#`^k^\a-

g^m).#Cb^#Dgmpb\deng`#]^k#Bhlm / Hg\hf^-#QZmbh#lib^`^em#Zg`^lb\aml##

]^k#Jhlm^glmZ[bebm� m#]^g#oheZmbe^k^g#U^keZn_#]^k#DkmkZ`ll^bm^#pb]^k;##

bf#1.#GZe[cZak#eZ`#]b^l^#J^ggsZae#[^b#51,1&,#]Zkngm^k#bf#2.#PnZkmZe#

pb^]^k#ngm^k#50&#[^b#48,5&.#Uhk#^bg^f#IZak#pZk#lb^#Zg`^lb\aml#

]^k#`nm^g#DkmkZ`leZ`^#gh\a#[^b#47,0&,#bf#F^lZfmcZak#2009#[^b#

49,9&.#� [^k#]b^l^#DkmkZ`ll\apZgdng`^g#abgp^`#eb^`m#lb^#bg#]^k#

F^lZfm[Zgd#[^b#^mpZ#50&.#MZ\a#pb^#ohk#blm#]b^#Jhlm^gbgm^glbm� m#bg#

BDD#(46,6&)#ngm^k]nk\al\agbmmeb\a.

"#@n_`kng]#]^l#lmZ[eb^g#Jhlm^go^keZn_l#pZk#]b^#U^k� g]^kng`##

]^l#hi^kZmbo^g#Dk`^[gbll^l#ohg#]^k#DkmkZ`l^gmpb\deng`#[^lmbffm.#

CZl#8VecZVSdVcXVS_Zd#_b^e#lhfbm#bf#1.#Gc.#2010#nf#267#Lbh#u#h]^k#

13&#gb^]kb`^k#Znl#Zel#bf#UhkcZak.#Vb^#f^ak_Z\a#^kp� agm,#l\ae� `m#

ab^k#Zn_#� lm^kk^b\abl\a^k#R^bm^#]^k#Q� \d`Zg`#`^`^g� [^k#]^f#`nm^g#

UhkcZak^l^k`^[gbl#]nk\a#(� lm^kk.#Jng]^gl^`f^gm^#z180#Lbh#u#h]^k#

z21&,#]Zohg#BHA#z187#Lbh#u /z28&),#p� ak^g]#bf#F^l\a� _ml_^e]#

BDD#Znll\aeb^�eb\a#]b^#MhkfZeblb^kng`#]^l#GZg]^el^k`^[gbll^l#

(z325#Lbh#u)#_� k#]Zl#gb^]kb`^k^#A^mkb^[l^k`^[gbl#nkl� \aeb\a#pZk#

(z255#Lbh#u/z18&).#

"#Cb^#Dgmpb\deng`#]^l#BcVUZecZdZ\`d#pZk#bg#]^g#snk� \deb^`^g]^g#

^bg^bgaZe[#IZak^g#]^k#^gml\a^b]^g]^#Dk_he`l_Zdmhk.#C^k#@[lmnks#bg#

]b^#mb^_^#Q^s^llbhg#sh`#2009#fbm#]^k#� [eb\a^g#Y^bmo^ks� `^kng`##

lmZkd#lm^b`^g]^#Qblbdhdhlm^g#ng]#^bg^#U^kl\ae^\am^kng`#]^k#G`ce)

W`]Z`bfR]Zewe!gZ\a#lb\a.#Yne^msm,#[^lhg]^kl#bf#2.#PnZkmZe#2010,#aZm#

]^k#eZn_^g]^#QblbdhZn_pZg]#]^k#FnU#]^nmeb\a#gZ\a`^eZll^g,#c^]h\a#

dZgg#]Zkbg#gh\a#d^bg^l_Zeel#^bg^#DgmpZkgng`#`^l^a^g#p^k]^g.##

Cb^#@ll^m#PnZebmr#aZm#lb\a#ohk#Zee^f#bg#BDD#gh\a#gb\am#^gml\a^b]^g]#

o^k[^ll^km.#YpZk#lmZ[beblb^km#lb\a#]b^#KZ`^#[^b#]^g#l\ae^\am^lm^g#

#QblbdhdeZll^g#(Mhg-O^k_hkfbg`#KhZgl),#]h\a#lbg]#ab^k#`^kZ]^#bf#

Halbjahreslagebericht zum 30. Juni 2010

Bank Austria - Halbjahresfinanzbericht 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

+*6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

2.#PnZkmZe#o^kf^akm#g^n^#E� ee^#]b^#QZmbg`lmn_^g#a^kZ[#bg#]b^#JZm^-

`hkb^#]^k#Okh[e^fdk^]bm^#`^knml\am#(p^km`^fbg]^km^#Jk^]bm^,#bf-

iZbk^]#KhZgl).#

CZl#BcVUZecZdZ\`#]^k#F^pbgg-#ng]#U^kenlmk^\agng`#(Yn_� akng`#

fbgnl#@n_e� lng`#ohg#Q� \dlm^eeng`^g#_� k#Jk^]bmkblbdh#lhpb^#Cbk^dmZ[-

l\ak^b[ng`^g#fbgnl#Dbg`� g`^#Znl#[^k^bml#p^km[^kb\amb`m^g#Ehk]^-

kng`^g)#pZk#bf#1.#GZe[cZak#2010#fbm#896#Lbh#u#nf#11&#gb^]kb`^k#

Zel#bf#^klm^g#GZe[cZak#2009,#Zel#^klmfZel#f^ak#Zel#^bg^#LbeebZk]^#

snk� \d`^lm^eem#p^k]^g#fnllm^,#ng]#nf#29&#`^kbg`^k#Zel#bf#sp^bm^g#

GZe[cZak#2009,#Zel#]b^#Qblbdhohklhk`^g#[^lhg]^kl#lmZkd##]hmb^km#p^k-

]^g#fnllm^g#(1,3#Lk]#u).#Cb^#Qblbdhdhlm^g#(Jk^]bmkblbdhZn_pZg]#`^-

f^ll^g#Zg#]^g#]nk\al\agbmmeb\a^g#Jng]^g_hk]^kng`^g)#`Z[^g#ohg#

156#AZlblingdm^g#([i)#Zn_#142#[i#gZ\a.#

?[NMR][R\RTXJ^O`JWM!MN[!;^G! $BU[!e%

?-!-, ?-!,5 M<IsE;<ILE>

AZgd#@nlmkbZ#bgl`^lZfm 896 1.009 z114 #z11&

w#�lm^kk^b\a!1) 205 297 z 92 z31&#

w#BDD 691 707 z16 z2&

FU^UW[W[^_QZ!$7[^_![R!FU^W&!6M^U^\`ZW_Q%!,%

AZgd#@nlmkbZ#bgl`^lZfm 142#[i 156#[i z14#[i#

w#�lm^kk^b\a!1) 63#[i 88#[i #z25#[i

w#BDD 228#[i 232#[i z4#[i#

1)#^bgl\ae.#BhkihkZm^#B^gm^k

2)#Jk^]bmkblbdhZn_pZg] / ]nk\al\agbmmeb\a^#Jng]^g_hk]^kng`^g#(g^mmh)

Hg#�lm^kk^b\a#_he`m#]^k#Jk^]bmkblbdhZn_pZg]#bf#PnZkmZelo^keZn_#^bg^f#

@n_#ng]#@[,#]b^#G� a^ingdm^#pZk^g#]Zl#2.#PnZkmZe#]^l#UhkcZak^l#

(182#Lbh#u)#ng]#]Zl#4.#PnZkmZe#2009#(158#Lbh#u),#bf#U^keZn_#ohg#

2010#pZk#]Zl#Jk^]bmkblbdh#]^nmeb\a#k� \de� n_b`.#Hf#1.#GZe[cZak#2010#

fnllm^g#bg#�lm^kk^b\a#(bgde.#BhkihkZm^#B^gm^k)#205#Lbh#u#_� k#Jk^]bm-

kbldh#Zn_`^p^g]^m#p^k]^g,#gZ\a#297#Lbh#u#bf#UhkcZak.#F^f^ll^g#

Zg#]^g#]nk\al\agbmm#eb\a^g#Jng]^g_hk]^kng`^g#(g^mmh,#pb^#bg#]^k#

#AbeZgs)#`Z[^g#]b^#Bhlm#h_#Qbld#ohg#88#AZlblingdm^g#([i)#Zn_#63#[i#

gZ\a.#Hg#]^k##Cboblbhg#OJLA,#bg#p^e\a^k#]b^#@nl_ZeelkZm^g#Znl#lmknd-

mnk^ee^g#Fk� g]^g#� [^k#]b^#Yrde^g#abgp^`#k^eZmbo#ah\a#lbg],#eZ`^g#]b^#

Qblbdhdhlm^g#bf#1.#Gc.#2010#[^b#122#[i#ng]#]Zfbm#^mpZl#gb^]kb`^k#

Zel#bf#1.#Gc.#2009#(135[i).#Hg#]^k#Cboblbhg#BHA#pZk^g#ohg#]^k#

bff^k#gh\a#l\apZ\a^g#HgeZg]lgZ\a_kZ`^#^[^g_Zeel#]b^#de^bg^kg#

Fk� �^gdeZll^g#]^l#Ebkf^gdng]^g`^l\a� _ml#[^mkh__^g,#lh#`nm#pb^#

gb\am#]Z`^`^g#]Zl#^qihkmhkb^gmb^km^#Fkh�dng]^gl^`f^gm.#CZgd##

]^l#_k� as^bmb`^g#Fk^b_^gl#]^k#A^kZmng`l-#ng]#QblbdhfZgZ`^f^gm-

ikh`kZff^#lhpb^#]^l#Q^lmkndmnkb^kng`l^k_he`l#dhggm^g#]b^##

Bhlm#h_#Qbld#bf#� lm^kk.#Ebkf^gdng]^g`^l\a� _m#Z[^k#`^l^gdm#p^k]^g;#

Lbm#37#[i#gZ\a#69[i#blm#]Zl#Jk^]bmkblbdh#bg#�lm^kk^b\a#ohee#bf#Fkb__.#

Hf#F^l\a� _ml_^e]#Y^gmkZe-#ng]#Nlm^nkhiZ#(BDD)#pZk^g#]Zl#]kbmm^#ng]#

ob^km^#PnZkmZe#2009#]b^#G� a^ingdm^#fbm#c^p^bel#� [^k#500#Lbh#u#Jk^-

]bmkblbdhZn_pZg].#Hf#1.#PnZkmZe#2010#[^ll^km^#lb\a#]b^#KZ`^#lmZkd#

(314#Lbh#u),#bf#2.#PnZkmZe#2010#fnllm^#ohk#Zee^f#_� k#JZlZ\almZg#

(ehdZe#lhpb^#bg#]^k#Vb^g^k#BDD-Y^gmkZe^)#pb^]^k#f^ak#Z[`^l\akb^-

[^g#p^k]^g.#Hf#1.#GZe[cZak#pZk#]Zl#Jk^]bmkblbdh#bf#F^l\a� _ml_^e]#

BDD#]Za^k#gnk#nf#2&#gb^]kb`^k#Zel#bf#UhkcZak,#Z[^k#bff^kabg#nf#

319#Lbh#u /32&#`^kbg`^k#Zel#bg#]^k#sp^bm^g#IZak^la� e_m^#2009.#

MZ\a#pb^#ohk#blm#]b^#Dgmpb\deng`#gZ\a#K� g]^kg#ng]#K� g]^k`knii^g#

ng^bga^bmeb\a,#pZl#]b^#ihlbmbo^g#Cbo^klb_bdZmbhgl^__^dm^#ngm^klmk^b\am.#

C^g#`k� �m^g#@gm^be#Zg#]^f#Q� \d`Zg`#aZmm^#]b^#S� kd^b,#ab^k#[^ll^km^#

lb\a#]b^#@ll^m#PnZebmr#fbm#^bg^f#JhgcngdmnkZn_l\apng`,#]^k#Zn\a#

]^g#MZf^g#o^k]b^gm,#ngm^klm� msm#]nk\a#Q� \d_e� ll^#[^k^bml#p^km[^-

kb\amb`m^k#Jk^]bm^.#V^km[^kb\amb`ng`^g#dhggm^g#lmZkd#Zn_`^e� lm#p^k-

]^g,#ngm^k#Zg]^k^f#`^lm� msm#]nk\a#^bg^#U^k[kb^_ng`lZdmbhg#bf#Q^-

mZbe[^k^b\a,#lh]Zll#]Zl#Jk^]bmkblbdh#]^k#S� kd^b#ohg#141#Lbh#u#Zn_#

_Zlm#Mnee#lZgd#(4#Lbh#u).#@n\a#bg#QnlleZg]#dhggm^g#gZ\a#]^f#Dg]^#

]^l#Jk^]bm[hhfl#Q� \dlm^eeng`^g#Zn_`^e� lm#p^k]^g,#]^k#Jk^]bmkblbdh-

Zn_pZg]#k^]nsb^km^#lb\a#ohg#122#Lbh#u#Zn_#85#Lbh#u.#Hf#1.#Gc.#

2010#[^mkn`^g#]b^#Bhlm#h_#Qbld#bf#F^l\a� _ml_^e]#BDD#228#AZlbl-

ingdm^#(gZ\a#232#[i#bf#^klm^g#ng]#345#[i#bf#sp^bm^g#GZe[cZak#

2009).#

C^k#`^kbg`^k^#Jk^]bmkblbdhZn_pZg]#bf#1.#GZe[cZak#2010#blm#ohk#Zee^f#

]b^#ihlbmbo^#J^akl^bm^#]^k#2009#`^m� mb`m^g#Uhklhk`^g.#Cb^#Jk^]bmjnZ-

ebm� m#l^e[lm#aZm#lb\a#bg#]^k#F^lZfm[Zgd#gh\a#gb\am#]nk\al\aeZ`^g]#

o^k[^ll^km.#C^k#@gm^be#]^k#Okh[e^fdk^]bm^#(p^km`^fbg]^km^#Jk^]bm^)#

Zf#Aknmmhdk^]bmohenf^g#(ohk#@[l\ak^b[ng`^g)#^ka� am^#lb\a#p^bm^k#

ohg#7,3&#Dg]^#2009#Zn_#8,7&#i^k#Dg]^#Ingb#2010.#I^]h\a#_Zg]#

]b^l^k#@glmb^`#[^b#]^g#Jk^]bm^g#bg#]^g#vgh\a#[^ll^k^gy#QblbdhdeZl-

l^g#lmZmm#(YZaeng`lo^ksn`,#sp^b_^eaZ_m^#ng]#Jk^]bm^#bg#Q^lmkndmnkb^-

kng`).#@el#vcng`^#Okh[e^fdk^]bm^y#lbg]#lb^#gh\a#p^gb`^k#p^km[^kb\a-

mb`m#Zel#]b^#vZem^g#Okh[e^fdk^]bm^y#ng]#Znl_Zeel`^_� ak]^m^g#Jk^]bm^.#

@n_`kng]#]b^l^l#Rmkndmnk^__^dml#aZm#]b^#C^\dng`ljnhm^#]^k#p^km`^-

fbg]^km^g#Jk^]bm^#Zn_#48,7&#Z[`^ghff^g,#p� ak^g]#lb^#[^b#]^g#

ghg-i^k_hkfbg`#KhZgl#bg#^mpZ#lmZ[be#`^[eb^[^g#blm.#Cb^#MOK-Pnhm^,#

Zelh#]^k#@gm^be#]^k#Znl_Zeel`^_� ak]^m^g#Jk^]bm^#Zf#F^lZfmohenf^g#

(Mhg-i^k_hkfbg`#KhZgl/Aknmmhdk^]bmohenf^g)#^ka� am^#lb\a#]^f`^-

`^g� [^k#gb\am#lh#lmZkd,#p^gg#Zn\a#`e^b\a_Zeel#ng^k_k^neb\a,#ohg#

3,5&#Zn_#4,1&.#Nag^#Rb\a^ka^bm^g#^bgsnk^\ag^g,#pZk^g#bf#Ingb#

69,1&#]^k#MOK#]nk\a#Dbgs^ep^km[^kb\amb`ng`^g#`^]^\dm,#gZ\a#

69,8&#bf#C^s^f[^k#ng]#69,9&#bf#Ingb#2009.#

?[NMR]Z^JUR]h]! $B]P!e%

G<I@F;<E<E;< ALE@!-, ;<Q*!,5 ALE@!,5

Jng]^g_hk]^kng`^g#([knmmh) 136,3 129,3 131,7

V^km[^kb\amb`ng`^g 6,6 5,7 4,6

V^km`^fbg]^km^#Jk^]bm^ 11,9 9,4 7,6

bg#Okhs^gm#]^k#Jng]^g_hk]^kng`^g 8,7& 7,3& 5,8&

w#`^]^\dm#]nk\a#Dbgs^ep^km[^kb\amb`ng`^g 48,7& 51,9& 51,2&

CZkngm^k#Znl_Zeel`^_� ak]^m#(Mhg-i^k_hfbg`#KhZgl) 5,5 4,5 4,1

bg#Okhs^gm#]^k#Jng]^g_hk]^kng`^g 4,1& 3,5& 3,1&

w#`^]^\dm#]nk\a#Dbgs^ep^km[^kb\amb`ng`^g 69,1& 69,8& 69,9&

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

++6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

Tgm^k#]^g#yScZXV_!m_ZTYe)`aVcReZgV_o!G`dZeZ`_V_#spbl\a^g#A^-

mkb^[l^k`^[gbl#ng]#Dk`^[gbl#ohk#Rm^n^kg#_� eem#bf#Ypbl\a^gZ[l\aenll#

i^k#Dg]^#Ingb#2010#^bg#_bgZgsm^\agbl\a^k#DbgfZe^__^dm#lmZkd#bgl#F^-

pb\am;#@n_`kng]#]^k#@[p^b\ang`#]^k#Zdmn^ee^g#Dgmpb\deng`#ohg#]^g#

@gl� ms^g#]^k#OeZgk^\agng`#[^mk^__^g]#]Zl#eZn_^g]^#IZak#(An]`^m-

p^km^)#pnk]^#^bg^#V^kmaZemb`d^bmlik� _ng`#]^k#[^mkh__^g^g#vYZaeng`l-

fbmm^e#`^g^kb^k^g]^g#Dbga^bm^gy#ohk`^ghff^g,#]b^#khnmbg^f� �b`#snf#

IZak^l^g]^#lmZmm_bg]^m#(o`e.#F^l\a� _ml[^kb\am#2009#]^k#AZgd#@nlmkbZ,#

R^bm^#94).#Cb^l^#V^kmaZemb`d^bmlik� _ng`#fZ\am^#_� k#JZlZ\almZg#^bg^#

p^bm^k^#Ebkf^gp^kmZ[l\ak^b[ng`#(Fhh]pbee-HfiZbkf^gm)#bg#G� a^#ohg#

162#Lbh#u#ghmp^g]b`.#Lbm#]b^l^k#@giZllng`#[^k� \dlb\amb`^g#pbk#ohk#

Zee^f#]b^#Zdmn^ee^#Dgmpb\deng`#ngl^k^k#Sh\am^k[Zgd#bg#YnlZff^g-

aZg`#fbm#]^k#eZn_^g]^g#RZgb^kng`#]^l#ehdZe^g#AZgd^gl^dmhkl,#]b^#

eZg`_kblmb`^g#O^kli^dmbo^g#ngl^k^l#Dg`Z`^f^gml#bg#JZlZ\almZg#lbg]#

#bgmZdm.#YnlZff^g#fbm#]^f#D__^dm#]^l#B@HA-U^kdZn_l#[^eZlm^g#]b^#

Fhh]pbee-@[l\ak^b[ng`^g#]Zl#Dk`^[gbll^l#fbm#z167#Lbh#u.

CZl#EbgZgsZgeZ`^^k`^[gbl#pZk#bf#1.#Gc.#2010#fbm#39#Lbh#u#spZk#

#ihlbmbo,#Z[^k#gb^]kb`^k#Zel#bf#UhkcZak#(56#Lbh#u).#CZl#eb^`m#ohk#Zee^f#

]ZkZg,#]Zll#]b^#Dk_he`l[^m^beb`ng`#]^k#AZgd#@nlmkbZ#Zg#]^k#ihegbl\a^g#

TgbBk^]bm-Sh\am^k[Zgd#Dg]^#2009#o^kmkZ`l`^f� �#Znl`^eZn_^g#blm<#bf#

1.#Gc.#2009#pZk^g#Znl#]b^l^f#Sbm^e#gh\a#48#Lbh#u#o^k^bggZafm#phk-

]^g.#Q� \dlm^eeng`^g#pnk]^g#bg#]^k#A^kb\amli^kbh]^#fbm#90#Lbh#u#gZ\a#

23#Lbh#u#bf#UhkcZak#]hmb^km.#

;N`RWW'!^WM!GN[U^\][NLQW^WP!MN[!5JWT!4^\][RJ!RW!b^\JVVNWPNOJ\\]N[!9X[V%$! $BU[!e%

M<IsE;<ILE>!

?-!.,-, ?-!.,,5 D@F!l @E!"

M^mmhsbgl^kmkZ`# 2.218 2.506 z287 z11&

Cbob]^g]^g#ng]#� ageb\a^#Dkmk� `^# 13 30 z17 z57&

Dkmk� `^#Znl#Zm#^jnbmr#[^p^km^m^g#Tgm^kg^af^g# 69 22 +48 >100&

QZ_dySVcdTYfdd! .*/,- .*113 p.12 p-,"

Okhoblbhgl� [^kl\anll# 988 899 +89 +10&

GZg]^el^k`^[gbl 234 271 z38 z14&

RZe]h#lhglmb`^#[^mkb^[eb\a^#Dkmk� `^#ng]#@n_p^g]ng`^g 79 96 z17 z17&

uSVcdTYfdd!UVc!kZ_df_RSYw_XZXV_!<cecwXV! -*/,- -*.22 '/1 '/"

8<KI@<8J<IKIs>< /*2,- /*4./ p... p2"

O^klhgZeZn_pZg]# z 948 z 965 +17 z2&

@g]^k^#U^kpZemng`lZn_p^g]ng`^g# z735 z665 z70 +10&

Jhlm^gk� \d^klmZmmng` 1 1 +0 +8&

@[l\ak^b[ng`^g#ng]#V^km[^kb\amb`ng`^g#Zn_#RZ\aZgeZ`^g#ng]#bffZm^kb^ee^#U^kf� `^glp^km^# z158 z165 +7 z4&

8<KI@<8J7L=N<E;LE><E p-*40- p-*351 p01 '/"

8<KI@<8J<I><8E@J -*32- .*,.4 p.23 p-/"

@[l\ak^b[ng`^g#Zn_#F^l\a� _ml-#h]^k#Ebkf^gp^km^ z167 0 z167 +100&

Q� \dlm^eeng`^g z 90 z23 z67 >100&

Q^lmkndmnkb^kng`lZn_pZg]# z2 z3 +1 z42&

Jk^]bmkblbdh# z896 z1.009 +114 z11&

EbgZgsZgeZ`^^k`^[gbl# 39 56 z17 z31&

<I><8E@J!MFI!JK<L<IE! 200 -*,04 p0,0 p/5"

DkmkZ`lm^n^kg# z165 z187 +23 z12&

BFEQ<IEG<I@F;<Eu8<IJ9?LJJ 04, 42, p/4- p00"

@gm^be^#bf#A^lbms#]^k#Db`^gm� f^k#]^k#AZgd#@nlmkbZ 459 833 z375 z45&

@gm^be^#bf#Ek^f][^lbms 21 27 z6 z23&

*)#Cb^#bg#]b^l^k#SZ[^ee^#`^s^b`m^#F^pbgg-#ng]#U^kenlmk^\agng`#]^k#AZgd#@nlmkbZ#bg#snlZff^g`^_Zllm^k#Ehkf#^gmlikb\am#]^k#Feb^]^kng`#]^l#R^`f^gm[^kb\aml.#Rb^a^#Mhm^l#(40)#ng]#(41)#Zn_#R^bm^#51__.#]b^l^l#A^kb\aml.#

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

+,6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

"#Cb^#_ZTYe)`aVcReZgV_!7SkfXda`dZeZ`_V_#spbl\a^g#A^mkb^[l^k-

`^[gbl#ng]#Dk`^[gbl#ohk#Rm^n^kg#lnffb^k^g#lb\a#_� k#]Zl#1.#Gc.#2010#

Zn_#f^ak#Zel#^bg^#LbeebZk]^#Dnkh#(`^gZn;#1.116#Lbh#u),#]Zl#^gmlikb\am#

63&#]^l#A^mkb^[l^k`^[gbll^l.#CZohg#lm^am#]^k#Jk^]bmkblbdhZn_pZg]#

fbm#896#Lbh#u#h]^k#`nm#50&#]^l#A^mkb^[l^k`^[gbll^l#gh\a#bg#

^g`^f#YnlZff^gaZg`#fbm#]^f#eZn_^g]^g#dhff^ksb^ee^g#F^l\a� _m.#

8[PNKWR\!_X[!D]N^N[W!WJLQ!;N\LQhO]\ONUMN[W! $BU[!e%

?-!-, ?-!,5 M<IsE;<ILE>

AZgd#@nlmkbZ#bgl`^lZfm 644 1.048 z404 #z39&

w#� lm^kk.#Jng]^g`^l\a� _m 469 543 z74 z14&

! 7>6)7X^W]O[YK[]\ +30 -/+ f+// f.."!

w#Y^gmkZe-#ng]#Nlm^nkhiZ 495 720 z226 z31&

w#BhkihkZm^#B^gm^k z320 z255 z65 25&

CZl#Dk`^[gbl#ohk#Rm^n^kg#pZk#bf#1.#Gc.#2010#ohk#Zee^f#]nk\a#]b^l^#

A^eZlmng`^g#`^ik� `m.#C^f`^`^g� [^k#aZm#lb\a#]b^#hi^kZmbo^#Dgmpb\d-

eng`#bf#U^keZn_#`^[^ll^km,#p^gg#lb^#Zn\a#Znl#]^g#`^gZggm^g#Fk� g-

]^g#ngm^k#]^f#`nm^g#UhkcZak#eZ`.#Ynf#Dk`^[gbl#ohk#Rm^n^kg#bg#G� a^#

ohg#644#Lbh#u#aZ[^g#]b^#� lm^kk^b\abl\a^g#F^l\a� _ml_^e]^k#ng]#]Zl#

F^l\a� _ml_^e]#BDD#bg#o^k`e^b\a[Zk^k#Fk� �^ghk]gng`#[^b`^mkZ`^g.#

Cb^l#`bem#nflh#f^ak,#p^gg#fZg#ohg#]^k#Dgmpb\deng`#bf#EbgZgsfZkdm-

aZg]^e#Z[lb^am,#]^k#sne^msm#fbm#]^f#U^kdZn_#]^k#B@HA#Zn\a#k^lmkndmn-

kb^km#pnk]^.#Hf#BhkihkZm^#B^gm^k#lbg]#g^[^g#Kbjnb]bm� ml-/Q^_bgZgsb^-

kng`ldhlm^g#ngm^k#Zg]^k^f#]b^#Zn�^k`^p� ageb\a^g#A^eZlmng`^g#pb^#

Fhh]pbee-@[l\ak^b[ng`^g#(A^m^beb`ng`lfZgZ`^f^gm)#ng]#^bgs^eg^#

Q� \dlm^eeng`^g#sn#mkZ`^g,#pZl#]Zl#g^`Zmbo^#Dk`^[gbl#^kde� km.

"#@n_#]Zl#Dk`^[gbl#ohk#Rm^n^kg#bg#G� a^#ohg#644#Lbh#u#pZk^g#bf#

1.#GZe[cZak#2010#Rm^n^kg#bg#G� a^#ohg#165#Lbh#u#Zgsnl^ms^g.#Cb^#^_-

_^dmbo^#Rm^n^kjnhm^#bg#]^k#dhglheb]b^km^g#Q^\agng`#^ka� am^#lb\a#z#

ngm^k#Zg]^k^f#bg#YnlZff^gaZg`#fbm#]^f#U^kdZn_#]^k#B@HA#z#ohg#

17,9&#bf#UhkcZak#Zn_#25,5&#bg#]^k#A^kb\amli^kbh]^.#Uhg#]^f#B`_)

kVc_aVcZ`UV_ySVcdTYfdd#bg#G� a^#ohg#480#Lbh#u#(z44&#``.#Uc.)#

pZk^g#Lbg]^ka^bmlZgm^be^#ohg#21#Lbh#u#sn#[^k� \dlb\amb`^g#(z23&).#

C^k#Ypbl\a^gZ[l\aenll#i^k#30.#Ingb#2010#^k`b[m#]Za^k#^bg^g#>VhZ__#

(@gm^be#]^k#Db`^gm� f^k#]^k#AZgd#@nlmkbZ#Zf#Jhgs^kgi^kbh]^g� [^k-

l\anll)#ohg#015!DZ`!l.#CZl#blm#^bg#Q� \d`Zg`#nf#45&#`^`^g� [^k#

UhkcZak#(833#Lbh#u).#

J[X`YUZM&!FQZ_MNUXU_l_!`ZP!FQ^^[`]OQZCb^#]nk\al\agbmmeb\a^g#Bf_UV_W`cUVcf_XV_#(g^mmh#`^f� �#AbeZgs-

ZglZms)#gZaf^g#bf#1.#GZe[cZak#2010#`^`^g� [^k#UhkcZak#e^b\am#Z[#

(z2,1&#Zn_#126,0#Lk]#u).#Gbgm^k#]b^l^f#GZe[cZak^lo^k`e^b\a#lm^am#

^bg^#vT-_� kfb`^y#Dgmpb\deng`#bf#ngm^kc� akb`^g#PnZkmZelo^keZn_,#]b^#

bak#Sb^_#bf#G^k[lm#2009#_Zg]#ng]#]b^l^g#Q� \d`Zg`#bg#]^k#Ypbl\a^g-

s^bm#[^bgZa^#pb^]^k#Zn_ahe^g#dhggm^.#Cb^#Dgmpb\deng`#s^b`m^#bg#�lm^k-

k^b\a#ng]#BDD#^bg^g#� ageb\a^g#@[eZn_,#bg#�lm^kk^b\a#pZk#]Zl#Uhenf^g#

bf#GZe[cZak^l]nk\al\agbmm#Z[^k#gh\a#bff^k#z4,1&#ngm^k#UhkcZak,#

p� ak^g]#^l#bg#BDD#(ngm^klm� msm#]nk\a#]b^#@n_p^kmng`#]^k#e^msm^g#

#LhgZm^)#_Zlm#pb^]^k#]Zl#UhkcZak^lgbo^Zn#^kk^b\am^#(z0,6&).#

@n\a#]b^#]nk\al\agbmmeb\a^g#IZdZ\`R\eZgR!(119,8#Lk]#u,#QV@#gZ\a#

AZl^e#HH)#s^b`m^g#^bg^g#� ageb\a#U^keZn_#ohg#PnZkmZe#sn#PnZkmZe,#eZ`^g#

c^]h\a#bf#1.#GZe[cZak#snlZff^g`^ghff^g#nf#4,5&#ngm^k#]^f#

UhkcZak^lp^km.#CZll#]b^#kblbdh`^pb\am^m^g#@dmboZ#bf#UhkcZak^lo^k-

`e^b\a#lm� kd^k#snk� \d`^`Zg`^g#lbg]#Zel#]Zl#]nk\al\agbmmeb\a^#Jk^]bm-

ohenf^g,#[kbg`m#]b^#z#lmkZm^`bl\a#^kp� gl\am^#z#Q^]ndmbhg#]^l#LZkdm-

kblbdhl#snf#@nl]kn\d,#]Zl#lb\a#`^`^g� [^k#UhkcZak#^mpZ#aZe[b^km#aZm#

(z47&).#

CZl#]nk\al\agbmmeb\a^#<ZXV_\RaZeR]#blm#bf#1.#GZe[cZak#2010#ohk#Zee^f#

Zn_`kng]#]^k#JZibmZe^ka� ang`#`^`^g� [^k#UhkcZak,#Z[^k#Zn\a#Zn_`kng]#

Mb\am-@nll\a� mmng`#]^k#^bg`^lm^eem^g#F^pbgg^#]^l#eZn_^g]^g#IZak^l#

nf#16&#Zn_#16,5#Lk]#u#`^lmb^`^g.#Mb\am#sne^msm#Zn_`kng]#]^k#^k-

a� am^g#A^sn`l`k� �^#bf#M^gg^k,#Z[^k#Zn\a#p^`^g#]^k#l\apZ\a^g#

#Dk`^[gbl^gmpb\deng`#bg_he`^#]^k#aha^g#gb\am-hi^kZmbo^g#@[s� `^#bf#

Y� ae^k,#pZk#]b^#<ZXV_\RaZeR]cV_UZeV#(QND#ohk#Rm^n^kg)#fbm#7,8&#

gh\a#^bgfZe#gb^]kb`^k#Zel#bf#F^lZfmcZak#2009#(9,4&),#`Zgs#sn#

l\ap^b`^g#ohg#]^f#e� g`^k_kblmb`^g#Cnk\al\agbmm#(2005#z#2009;#

14,0&).#Hg#]^k#U^k`e^b\ali^kbh]^#]^l#UhkcZak^l#eZ`#]^k#QND#ohk#

Rm^n^kg#[^b#14,8&,#pZl#]b^#@nlgZaf^lbmnZmbhg#bg#]^g#^klm^g#LhgZ-

m^g#ohg#2009#beenlmkb^km#(Ybgl-#ng]#GZg]^el^k`^[gbl#bf#EbgZgsfZkdm-

aZg]^e).#

C^k#<M7!z#fZk`bgZe#D\hghfb\#UZen^#@]]^]#z#fbllm#]b^#V^kml\a� i-

_ng`#� [^k#]b^#JZibmZedhlm^g#abgZnl,#`^gZn^k;#]^g#� [^kl\anll#]^l#

gZ\aaZemb`^g#Dk`^[gbll^l#`^f� �#MNO@S#(M^m#Ni^kZmbg`#Okh_bm#Z_m^k#

SZq,#[^k^bgb`m#nf#DbgfZe^__^dm^)#� [^k#]^k#ohf#LZkdm#`^_hk]^km^g#

Lbg]^lm^b`^gdZibmZeo^ksbglng`#Zn_#]Zl#^bg`^l^msm^#JZibmZe#(vfZk`b-

gZey,#p^be#hag^#Fhh]pbee#[^k^\ag^m).#Cb^#DkmkZ`l^bg[n�^g#bg_he`^#]^k#

EbgZgsfZkdmdkbl^#ng]#]^k#Q^s^llbhg,#sn`e^b\a#Zn\a#]b^#Db`^gdZibmZe-

Zn_lmh\dng`#lhpb^#s^bmp^bl^#^ka� am^#JZibmZedhlm^g#aZ[^g#]^g#DU@#

]^k#AZgd#@nlmkbZ#bg#]^g#e^msm^g#^bg^bgaZe[#IZak^g#Z[lZ\d^g#eZll^g.##

Hg#]^k#A^kb\amli^kbh]^#pnk]^#bff^kabg#gh\a#^bg#ihlbmbo^k#DU@#ohg#

154#Lbh#u#^ksb^em,#bf#1.#GZe[cZak#2009#pZk^g#^l#gh\a#348#Lbh#u.##

Hf#1.#Gc.#2010#[^mkn`#]^k#fZk`bgZe#I7IFI79#3,66&.#V� ak^g]#]^k#

DU@#bg#�lm^kk^b\a#bf#UhkcZak^lo^k`e^b\a#nf#16&#Zn_#210#Lbh#u#bf#

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

+-6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

1.#Gc.#2010#_b^e,#pZk#^k#bf#F^l\a� _ml_^e]#BDD#fbm#20#Lbh#u#g^`Zmbo#

gZ\a#183#Lbh#u.#Hg#BDD#lbg]#gb\am#gnk#]^k#Q� \d`Zg`#]^l#MNO@S#nf#

35&#bf#Y� ae^k#]^k#J^ggsZae#sn#[^k� \dlb\amb`^g,#lhg]^kg#Zn\a#]b^#

JZibmZedhlm^g#bf#M^gg^k,#]b^#nf#`nm#10&#sn`^ghff^g#aZ[^g#(`^-

f^ll^g#Zf#JZibmZe^bglZms#Zn_#11,2&).#

Cb^#YZae#]^k#8VdTYwWeZXeV_#(Znl`^]k� \dm#bg#O^klhg^gcZak^g,#vESDy#=#

_nee#mbf^#^jnboZe^gm)#gZaf#ohg#60.594#Dg]^#2009#Zn_#59.635#ESD#

i^k#Dg]^#Ingb#Z[#(z 959#ESD).#Hg#�lm^kk^b\a#pZk#]b^#@[gZaf^#nf#

360#O^klhg^gcZak^#ohk#Zee^f#Zn_#]^g#U^kdZn_#]^k#TgbBk^]bm#B@HA#

(z150#ESD)#lhpb^#Zn_#]^g#U^kdZn_#]^l#BZm^kbg`-Cb^glme^blm^kl#

CNLTR#Ablmkh#(z 94#ESD)#snk� \dsn_� ak^g.#C^k#@[`Zg`#bf#F^l\a� _ml-

_^e]#OJLA#(z21#ESD)#pnk]^#gh\a#gb\am#]nk\a#`^ieZgm^#M^n^bglm^e-

eng`^g#^kl^msm.#C^k#`^kbg`^k^#O^klhgZelmZg]#bg#BDD#(z599#ESD)#blm#

]nk\a#]b^#Y^gmkZeblb^kng`#]^l#U^kpZemng`lg^ms^l#bg#JZlZ\almZg#lhpb^#

]^g#U^kdZn_#^bg^k#]hkmb`^g#O^glbhgldZll^#sn#^kde� k^g#(snlZff^g#

z528#ESD).#@n\a#bg#]^k#TdkZbg^#lm^am#]b^#Q^]ndmbhg#(z298)#bg#Yn-

lZff^gaZg`#fbm#]^k#hk`ZgblZmhkbl\a^g#@g`e^b\ang`#Zg#]b^#Fkni-

i^glmkndmnk.#Tgm^k#]^g#� [kb`^g#K� g]^kg#f^e]^m^g#JkhZmb^g#(+82#ESD)#

ng]#]b^#S� kd^b#(+79#ESD)#^bg^g#g^gg^glp^km^g#YnpZ\al#[sp.#Qnll-

eZg]#(z51#ESD)#^bg^#@[gZaf^,#]b^#k^lmeb\a^g#A^p^`ng`^g#lm^ee^g#]b^#

� [eb\a^#EendmnZmbhg#]Zk.#CZl#Ub^ggZ#BDD#G^Z]jnZkm^k#pnk]^#Zn_`^-

lmh\dm,#ngm^k#Zg]^k^f#]nk\a#� [^kgZaf^#]^k#^a^fZeb`^g#Jhi_lm^ee^#

_� k#]b^#BDD-S� \am^k#]^k#TgbBk^]bm#B@HA,#]b^#c^msm#]^k#BDD-Cboblbhg#sn-

`^hk]g^m#lbg].#Dbgl\aeb^�eb\a#]^k#bg#R\ap^lm^k`^l^eel\aZ_m^g#m� mb`^g#

LbmZk[^bm^k#(]Zkngm^k#@]fbgblmkZmbhg#R^kob\^l,#TFHR,#Obhg^^k#Hgo^lm-

f^gml,#TgbBk^]bm#K^Zlbg`,#B@HA#w)#[^l\a� _mb`m#]b^#TgbBk^]bm#Fkhni#bg#

�lm^kk^b\a#10.891#LbmZk[^bm^kdZiZsbm� m^g.#

Dg]^#Ingb#ngm^kab^em#]b^#AZgd#@nlmkbZ#3.020#=Z]ZR]V_,#nf#68#p^gb`^k#

Zel#Dg]^#2009.#CZohg#^gm_b^e^g#Zn_#]b^#� lm^kk^b\abl\a^g#F^l\a� _ml-

_^e]^k#300.#C^k#Q� \d`Zg`#nf#18#EbebZe^g#blm#]nk\a#]^g#U^kdZn_#]^k#

B@HA#(sp^b#Dbga^bm^g)#lhpb^#]nk\a#]b^#� [^kmkZ`ng`#ohg#Z\am#B@HA-

S� \am^kg#bg#]b^#U^kZgmphkmng`#]^l#F^l\a� _ml_^e]^l#BDD#sn#^kde� k^g,#

]^k#Q^lm#lib^`^em#]b^#A^k^bgb`ng`#]^l#bge� g]bl\a^g#EbebZeg^ms^l#nf#

^g`#[^gZ\a[Zkm^#RmZg]hkm^#pb]^k.#Cb^#@[gZaf^#]^k#EbebZesZae#bg#BDD#

nf#50#Zn_#2.720#blm#snf#^bg^g#]^k#D__^dm#]^k#_hkm`^l^msm^g#Rmkndmnk-

[^k^bgb`ng`#bf#Yn`^#]^k#Hgm^`kZmbhg#]^k#sne^msm#Zdjnbkb^km^g#AZgd^g-

m� \am^k#(JZlZ\almZg#ng]#TdkZbg^)#lhpb^#]^k#RmkZ__ng`#bg#Ane`Zkb^g#

ng]#Qnf� gb^g,#snf#Zg]^k^g#`^a^g#M^n^k� __gng`^g#bf#Yn`^#]^l#

M^ms^kp^bm^kng`likh`kZffl,#a� n_b`#fbm#R\aeb^�ng`^g#bg#� [^k[^l^ms-

m^g#AZeeng`lk� nf^g#^bga^k,#snf#A^blib^e#bg#QnlleZg]#h]^k#]^k#S� kd^b.

Uhg#]^g#`^ieZgm^g#100#M^n^k� __gng`^g#([knmmh)#blm#[^k^bml#^bg#E� g_m^e#

k^Zeblb^km.#

CN\\X^[LNW!^WM!CNW]JKRUR]h]!+(!<JUKSJQ[!,*+*

87EB!7LJKI@7! tJK<II<@9?!-% 9<<

<]mkQZ[]PZ`ZSQZ

$!Jng]^g_hk]^kng`^g#(Lk]#u) 126,0 65,7 60,6

$#QblbdhZdmboZ#AZl^e#HH#(Lk]#u) 119,8 42,0 72,6

A^mkb^[l^kmk� `^#(Lbh#u) 3.601 1.321 2.218

JQ]lZPQ]`ZS!SQSQZnNQ]!J[]VMT]

$!Jng]^g_hk]^kng`^g#(Lk]#u) z2& z4& z1&

$#QblbdhZdmboZ#AZl^e#HH#(Lk]#u)# z5& z8& z1&

A^mkb^[l^kmk� `^#(Lbh#u) z6& z13& z7&

FQZ_MNUXU_l_!`ZP!KQ]_^OTm\R`ZS

QND#ohk#Rm^n^kg#2) 7,8& 10,6& 9,0&

fZk`bgZe#DU@,#Lbh#u#3) 154 210 z20

fZk`bgZe#Q@QNQ@B 3,66& 14,4& z0,6&

9USQZWM\U_MX

$!Db`^gdZibmZe#(Lk]#u)#4) 16,5 8,9 11,0

&#``.#Uc. +16& +3& +12&

BU_M]NQU_Q]!$EQ]^[ZQZVMT]Q%

RmZg]#Dg]^#Ingb#2010# 59.635 5.666 51.733

RmZg]#Dg]^#C^s.#2009# 60.594 5.933 52.332

;UXUMXQZ

RmZg]#Dg]^#Ingb#2010# 3.020 300 2.720

RmZg]#Dg]^#C^s.#2009# 3.088 318 2.770

1)#Cboblbhg^g#OJLA,#OkboZm^#AZgdbg`#ng]#BhkihkZm^#'#Hgo^lmf^gm#AZgdbg`#(BHA),#Cb__^k^gs#bg#]^k#Rnff^#=#BhkihkZm^#B^gm^k#ng]#Q^lmZm^f^gm-Cb__^k^gs#z#lb^a^#Dke� nm^kng`^g#snk#R^`f^gm[^kb\am^klmZmmng`#bg#Mhm^#(41)#Zn_#R^bm^#53__.#]b^l^l#A^kb\aml#

2)#QND#=#Dk`^[gbl#ohk#Rm^n^kg / bglmbmnmbhg^ee^l#JZibmZe#

3)#A^k^\ag^m#Zn_#Fkng]eZ`^#]^l#gZ\a#AZl^e#HH#sn`^m^bem^g#JZibmZel.

4)#Sh\am^k`^l^eel\aZ_m^g#p^k]^g#gb\am#fbm#dZedneZmhkbl\a^f,#lhg]^kg#fbm#mZml� \aeb\a^f#HEQR-JZibmZe#^bg[^sh`^g.#Cb^#@nl`e^b\alihlbmbhg#snf#dhglheb]b^km^g#HEQR-JZibmZe#pbk]#bf#BhkihkZm^#B^gm^k#]Zk`^lm^eem.#

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

+.6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

6UXMZd!`ZP!9USQZYU__QXM`^^_M__`ZS

9Z_bUOWX`ZS!PQ]!6UXMZd"#O^k#30.#Ingb#2010#[^mkn`#]b^#dhglheb]b^km^#AbeZgslnff^#]^k##

AZgd#@nlmkbZ#.,,(1!DcU!l,#`^`^g� [^k#Tembfh#2009#^k`b[m#lb\a#^bg#

YnpZ\al#nf#6,0#Lk]#u#h]^k#3,1&.#CZl#Jng]^g`^l\a� _m#^qiZg]b^km^#

Zdmbo-#pb^#iZllbol^bmb`#fbm#fh]^kZm^g#YnpZ\alkZm^g,#]Zl#Db`^gdZibmZe#

lmb^`#lmZkd,#ohk#Zee^f#Zn_`kng]#]^k#JZibmZe^ka� ang`.#z#Dgml\a^b]^g]#

`^ik� `m#pnk]^#]b^#AbeZgs#Z[^k#]nk\a#]^g#eZg`^#ohk[^k^bm^m^g#U^kdZn_#

]^k#TgbBk^]bm#B@HA#bf#Ingb#2010.#

Hg#]^g#AbeZgs^g#i^k#Tembfh#2009#lhpb^#Zn\a#i^k#Dg]^#Ingb#2009#

(lb^a^#SZ[^ee^#ngm^g)#pZk^g#]b^#Hgo^lmf^gm[Zgd#TgbBk^]bm#B@HA#@F#

ng]#]Zl#Akhd^kaZnl#TgbBk^]bm#B@HA#R^\nkbmb^l#TJ#Km].#gh\a#ngm^k#snk#

U^k� n�^kng`#`^aZem^g^#U^kf� `^gl`knii^g#snlZff^g`^_Zllm#ng]#

`^f� �#HEQR#5#bg#c^#^bg^k#Zdmbo-#pb^#iZllbol^bmb`^g#Ohlbmbhg#va^e]#_hk#

lZe^y#Znl`^pb^l^g.#CZl#Uhenf^g#]b^l^k#F^l^eel\aZ_m^g#k^]nsb^km^#

lb\a#[^k^bml#bf#Uhk_^e]#]^l#U^kdZn_l#z#Zdmbol^bmb`#ohg#28,2#Lk]#u#

(30.6.09)#Zn_#13,2#Lk]#u#(31.12.09)#ng]#iZllbol^bmb`#ohg#24,5#Lk]#u#

Zn_#10,5#Lk]#u#z#snfZe#]b^#TgbBk^]bm#B@HA#Zn_#]^g#Db`^gaZg]^e#dhg-

s^gmkb^km#pnk]^#ng]#sZaek^b\a^#dng]^ggZa^#Engdmbhg^g#lnds^llbo^#

ohg#]^k#AZgd#@nlmkbZ#� [^kghff^g#pnk]^g.#(Hf#UhkcZak#pZk#gh\a#]b^#

fbmme^kp^be^#k^bgm^`kb^km^#\Zk]#\hfie^m^#R^kob\^#AZgd#@F#ngm^k#va^e]#

_hk#lZe^y#^k_Zllm,#]b^#Z[^k#Zel#JZkm^g]b^glme^blm^k#^bg#`^kbg`^l#Uhen-

f^g#Zn_pb^l.)#Hg#]^k#AbeZgs#snf#30.#Ingb#2010#lbg]#]b^#snf#U^kdZn_#

[^lmbffm^g#U^kf� `^gl`knii^g#ngm^k#va^e]#_hk#lZe^y#Zn_#Mnee#`^_Zee^g#

(Zdmbol^bmb`#p^k]^g#gnk#f^ak#25#Lbh#u#Zg#v^bgs^eg^g#_bgZgsb^ee^g#U^k-

f� `^glp^km^gy#Znl`^pb^l^g).#

C^ggh\a#aZm#]b^#Dgmdhglheb]b^kng`#]^k#TgbBk^]bm#B@HA#ng]#bak^k#Khg-

]hg^k#Sh\am^k#gb\am#sn#]^k#lmZkd^g#Q^]ndmbhg#]^k#AbeZgslnff^#`^-

_� akm,#]b^#fZg#Zn_#]^g#^klm^g#Aeb\d#a� mm^#^kpZkm^g#d� gg^g;#Cb^#^a^-

fZeb`^#TgbBk^]bm#B@HA#blm#gngf^ak#^bg^#EbebZe^#]^k#TgbBk^]bm#AZgd#@F,#

L� g\a^g,#ohkfZel#GUA.#Lbm#]^k#Dgmdhglheb]b^kng`#p^k]^g#c^g^#Ehk-

]^kng`^g#ng]#U^k[bg]eb\ad^bm^g#spbl\a^g#AZgd#@nlmkbZ-Dbga^bm^g#ng]#

B@HA,#]b^#[bla^k#bf#Yn`^#]^k#Jhgs^kgdhglheb]b^kng`#Zel#vbgm^k\hf-

iZgry#Zn_`^k^\ag^m#pnk]^g,#lh_^kg#lb^#p^bm^k`^_� akm#p^k]^g,#sn#^qm^k-

g^g#Ehk]^kng`^g/U^k[bg]eb\ad^bm^g,#l^b#^l#`^`^g� [^k#]^g#Q^\amlgZ\a-

_he`^kg#]^k#TgbBk^]bm#B@HA#h]^k#`^`^g� [^k#]^k#TgbBk^]bm#AZgd#@F,#

L� g\a^g,#ohkfZel#GUA,#fbm#p^e\a^k#]^k#EbgZgsfZkdmaZg]^e#ohg#gng#

Zg#]nk\a`^_� akm#pbk].#CZl#blm#]^k#Fkng]#]Z_� k,#]Zll#sZaek^b\a^#@dmbo-#

ng]#OZllboihlbmbhg^g#Zn_`kng]#]^k#SkZglZdmbhg#lmZkd#sn`^ghff^g#

aZ[^g,#ohk#Zee^f#]Zl#Hgm^k[Zgd`^l\a� _m,#]^k#GZg]^el[^lmZg]#ng]#

#@[lb\a^kng`lihlbmbhg^g.#K^msm^k^l#aZm#sn#^bg^f#lmZkd^g#@glmb^`#]^k#

G^]`bg`#C^kboZmbo^l#`^_� akm,#g� feb\a#+3,0#Lk]#u#Zdmbol^bmb`#[sp.#

+3,3#Lk]#u#iZllbol^bmb`.#CZk� [^k#abgZnl#blm#]b^#^bg`^lm^eem^#JZn_-

ik^bl_hk]^kng`#_� k#]^g#lmZkd^g#@glmb^`#]^k#@dmboihlbmbhg#lhglmb`^#

#@dmboZ#nf#4,8#Lk]#u#Zn_#5,8#Lk]#u#fZ�`^[eb\a.#C^k#`^kbg`_� `b`^#

U^kdZn_l`^pbgg#pnk]^#]bk^dm#bf#Db`^gdZibmZe#`^[n\am.#

"#@n_#]^k#7\eZgdVZeV#lmb^`^g#Jng]^g_hk]^kng`^g#(g^mmh#]^k#^[^g-

_Zeel#sng^af^g]^g#V^km[^kb\amb`ng`^g)#ohf#Tembfh#2009#[bl#Dg]^#

Ingb#2010#nf#5,0&#h]^k#6,1#Lk]#u#Zn_#129,7#Lk]#u<#lb^#lm^eem^g#

]Zfbm#65&#]^k#AbeZgslnff^.#Hg#�lm^kk^b\a#^qiZg]b^km^#]^k#Jng]^g-

dk^]bm#bf#[bla^kb`^g#IZak^lo^keZn_#(Dg]^#Ingb#2010/Tembfh#2009)#gnk#

p^gb`#(+1,2&),#`^mkZ`^g#ohk#Zee^f#]nk\a#]b^#OJLA-Cboblbhg#

7RN!`RLQ]RP\]NW!5RUJWbYX\R]RXWNW!RV!INR]_N[PUNRLQ $B]P!e%

/,*,2*.,-, /-*-.*.,,5 M<IsE;<ILE> /,*,2*.,,5 M<IsE;<ILE>

5@H>J5

GZg]^elZdmboZ 1(2 0(- +1,5 +35,5& /(2 +2,0 +55,1&

EbgZgsfZkdmZgeZ`^g*) -4(1 -2(- +2,4 +14,8& -1(3 +2,8 +18,2&

Hgm^k[Zgd-Ehk]^kng`^g .0(2 ./(- +1,5 +6,5& -4(2 +6,0 +32,1&

Jng]^g_hk]^kng`^g -.5(3 -./(2 +6,1 +5,0& -.3(- +2,7 +2,1&

G^]`bg`#C^kboZmbo^l /(. ,(. +3,0 >100& ,(. +3,0 >100&

G^e]#_hk#lZe^# ,(, -/(. z13,2 z 99,8& .4(. z28,2 z 99,9&

8Z]R_kdf^^V .,,(1 -50(1 +6,0 +3,1& .,3(2 z7,2 z3,5&

E5GG>J5

GZg]^eliZllboZ /(3 ,(5 +2,7 >100& -(- +2,6 >100&

Hgm^k[Zgd-U^k[bg]eb\ad^bm^g /4(, //(0 +4,6 +13,9& /-(, +7,0 +22,6&

Okbf� kfbmm^e -.3(0 -.1(5 +1,5 +1,2& -.3(0 z0,0 z0,0&

G^]`bg`#C^kboZmbo^l /(1 ,(. +3,3 >100& ,(. +3,4 >100&

Db`^gdZibmZe -3(5 -0(0 +3,6 +24,7& -0(/ +3,8 +27,0&

G^e]#_hk#lZe^ , -,(1 z10,5 z100& .0(1 z24,5 z100&&

8Z]R_kdf^^V .,,(1 -50(1 +6,0 +3,1& .,3(2 z7,2 z3,5&

*)#Rnff^#]^k#Ohlbmbhg^g;#v^k_he`lpbkdlZf#snf#[^bsne^`^g]^g#Y^bmp^km#[^p^km^m^#_bgZgsb^ee^#U^kf� `^glp^km^y,#vsnk#U^k� n�^kng`#o^k_� `[Zk^#_bgZgsb^ee^#U^kf� `^glp^km^y#ng]#v[bl#snk#Dg]_� eeb`d^bm#`^aZem^g^#EbgZgsbgo^lmbmbhg^gy.#

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

+/6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

(+3,9&),#Hg#BDu#gZaf^g#]b^#Jng]^g_hk]^kng`^g#ngm^klm� msm#]nk\a#

^bg^#e^b\am^#@n_p^kmng`#bf#IZak^lo^keZn_#nf#8,8&#sn.#RmZkd#pn\al^g#

]b^#EbgZgsfZkdmZgeZ`^g#Zg#(+14,8&),#o^knklZ\am#]nk\a#snk#U^k� n�^-

kng`#o^k_� `[Zk^#_bgZgsb^ee^#U^kf� `^glp^km^#(ZoZbeZ[e^#_hk#lZe^#_bgZg-

\bZe#Zll^ml)#bg#BDD.#C^k#Zn__� eeb`^#YnpZ\al#]^k#GZg]^elZdmboZ#lhpb^#

]^k#G^]`bg`#C^kboZmbo^l#blm#]nk\a#]^g#^kp� agm^g#V^`_Zee#]^k#Hgm^k-

\hfiZgr-@n_k^\agng`#]^k#Ehk]^kng`^g#fbm#]^k#^a^fZeb`^g#B@HA#ng]#

bak^g#Q^\amlgZ\a_he`^kg#o^knklZ\am.#

"#GRddZgdVZeZX#^gmpb\d^em^g#lb\a#]b^#Jng]^g^bgeZ`^g#bf#[bla^kb`^g#

IZak^lo^keZn_#spZk#l\apZ\a#(+2,9&#Zn_#99,8#Lk]#u#i^k#Dg]^#Ingb#

2010),#lb^#pZk^g#]Zfbm#Z[^k#nf#3,8&#a� a^k#Zel#ohk#^bg^f#IZak.#Db-

`^g^#Dfbllbhg^g#lZgd^g#bf#U^keZn_#]^l#1.#GZe[cZak^l#2010#nf#4,5&#

Zn_#27,5#Lk]#u.#Cb^#Okbf� kfbmm^e,#]b^#[^b]^#Ohlbmbhg^g#snlZff^g_Zl-

l^g,#aZ[^g#lhfbm#l^bm#Dg]^#2009#nf#1,2&#sn`^ghff^g#ng]#sne^msm#

127,4#Lk]#u#^kk^b\am.#Cb^#Zdmbol^bmb`^g#Jng]^g_hk]^kng`^g#pnk]^g#

lhfbm#sn#f^ak#Zel#98&#]nk\a#]Zl#Okbf� kfbmm^eZn_dhff^g#k^_bgZg-

sb^km.#Hgm^k[Zgd^bgeZ`^g,#G^]`bg`#C^kboZm^#ng]#GZg]^eliZllboZ#pZk^g#

iZllbol^bmb`#Znl#]^g#`^gZggm^g#Fk� g]^g#bg#YnlZff^gaZg`#fbm#]^k#

B@HA-SkZglZdmbhg#^[^g_Zeel#lmZkd#lm^b`^g].#

CZl#<ZXV_\RaZeR]#[^mkn`#Dg]^#Ingb#2010#17,9#Lk]#u.#Dl#pZk#]Zfbm#

nf#3,6#Lk]#u#(+24,7&)#a� a^k#Zel#Dg]^#2009#ng]#nf#27,0&#a� a^k#

Zel#bf#Ingb#]^l#UhkcZak^l.#C^k#@gm^be#Zg#]^k#AbeZgslnff^#lmb^`#ohg#

6,6&#bf#UhkcZak#� [^k#7,4&#i^k#Tembfh#2009#Zn_#sne^msm#9,0&,#phfbm#

]b^#CVgVcRXV)IReZ`!ohg#14,7q#Zn_#13,5q#ng]#l\aeb^�eb\a#11,2q#Z[-

gZaf.#(Hg#]^k#C^_bgbmbhg#hag^#bffZm^kb^ee^#U^kf� `^gl`^`^glm� g]^#

eZnm^m#]b^#J^ggsZae^gk^ba^;#19,8q###18,2q###14,2q).#C^k#Z[lhenm^#

YnpZ\al#]^l#Db`^gdZibmZel#bg#G� a^#ohg#3.560#Lbh#u#^k`b[m#lb\a#bf#

V^l^gmeb\a^g#Znl#]^k#JZibmZe^ka� ang`#nf#2.000#Lbh#u#lhpb^#Znl#

]^g#]bk^dm#bf#Db`^gdZibmZe#^k_Zllm^g#DkmkZ`l-#ng]#@n_pZg]lihlbmbhg^g#

bg#G� a^#ohg#1.601#Lbh#u.#M^[^g#]^k#Dbglm^eeng`#]^l#eZn_^g]^g#F^-

pbggl#(+480#Lbh#u)#pZk^g#e^msm^k^#aZniml� \aeb\a#]nk\a#]b^#ihlbmbo^#

Dgmpb\deng`#]^k#V� akng`lZnl`e^b\alk� \deZ`^#(+879#Lbh#u)#lhpb^#

]^k#H@R#39-A^p^kmng`lk� \deZ`^g#(+267#Lbh#u)#[^lmbffm.#Hf#1.#GZe[-

cZak#2010#_Zg]^g#d^bg^#@nll\a� mmng`^g#lmZmm.#CZl#Db`^gdZibmZe#hag^#

Ek^f]Zgm^be^#[^mkn`#i^k#30.#Ingb#2010#17,4#Lk]#u#ng]#pZk#]Zfbm#

nf#3,5#Lk]#u#h]^k#25,6&#a� a^k#Zel#Dg]^#2009.

9USQZYU__QXM`^^_M__`ZS!ZMOT!6K<Cb^#cZdZ\`XVhZTYeVeV_!7\eZgR#(QV@)#i^k#30.6.#2010#^ka� am^g#

lb\a#`^`^g� [^k#IZak^l^g]^#2009#nf#11,0#Lk]#u#(+9,6&)#Zn_#

125,4#Lk]#u.#CZ_� k#fZ�`^[eb\a#pZk^g#^bg^kl^bml#^bg^#Znl#]^k#pbkm-

l\aZ_meb\a^g#Dgmpb\deng`#^k_hk]^keb\a^#@giZllng`#ohg#QblbdhiZkZ-

f^m^kg#[sp.#Zg]^k^kl^bml#]b^#� [^kpb^`^g]#a� a^k^g#Ek^f]p� a-

kng`ldnkl^#bg#]^g#BDD-K� g]^kg#snf#Rmb\amZ`#30.6.2010.#@n_`kng]#

]^k#`^lmb^`^g^g#QV@#^k`Z[#lb\a#Zn\a#^bg#a� a^k^l#Db`^gfbmm^e-

^k_hk]^kgbl#_� k#]Zl#Jk^]bmkblbdh#ohg#9,0#Lk]#u#(+10,8&)#[sp.#ohg#

10,0#Lk]#u#(+9,6&)#_� k#Zee^#QblbdhZkm^g.#Cb^#R_cVTYV_SRcV_!

!<ZXV_^ZeeV]!lmb^`^g#bf#1.#GZe[cZak#2010#nf#bgl`^lZfm#2,8#Lk]#u#

(+22,0&)#Zn_#15,3#Lk]#u.#Cb^l^#Dka� ang`#k^lnemb^km#`k� �m^gm^bel#

Znl#]^k#bf#1.#PnZkmZe#2010#bg#]^k#TgbBk^]bm#AZgd#@nlmkbZ#@F#lmZmm-

`^_ng]^g^g#JZibmZe^ka� ang`#bf#@nlfZ�#ohg#2,0#Lk]#u,#lhpb^#

Zn\a#Znl#]^g#`^lmb^`^g^g#V^\al^ednkl^g.

Cb^#<ZXV_^ZeeV]bf`eV_#snf#30.6.2010#aZ[^g#lb\a#`^`^g� [^k#

IZak^lnembfh#2009#]Za^k#]^nmeb\a#o^k[^ll^km.#Cb^#Bhk^#Sb^k#1-QZmbh#

(J^kgdZibmZejnhm^#hag^#Gr[kb]dZibmZe)#[^sh`^g#Zn_#Zee^#Qblbd^g#lmb^`#

ohg#8,33&#Zn_#c^msm#9,85&.#A^sh`^g#Zn_#]Zl#Jk^]bmkblbdh#o^k[^l-

l^km^#lb\a#]b^#Bhk^#Sb^k#1-Pnhm^#ohg#9,37&#Zn_#gngf^ak#10,97&.

8RPNWVR]]NUZ^X]NW!

/,*,2*.,-, /-*-.*.,,5

NQd[SQZ!M`R!MXXQ!FU^UWQZ!+%!

J^kgdZibmZejnhm^#(Sb^k#1-QZmbh) 10,17& 8,68&

w#hag^#Gr[kb]dZibmZe#(Bhk^#Sb^k#1-QZmbh) 9,85& 8,33&

F^lZfmdZibmZejnhm^ 12,16& 10,92&

NQd[SQZ!M`R!PM^!@]QPU_]U^UW[!,%!

J^kgdZibmZejnhm^#(Sb^k#1-QZmbh) 11,32& 9,76&

w#hag^#Gr[kb]dZibmZe#(Bhk^#Sb^k#1-QZmbh) 10,97& 9,37&

F^lZfmdZibmZejnhm^ 12,63& 11,29&

1)#Jk^]bmkblbdh,#hi^kZmbhgZe^l#Qblbdh,#Ohlbmbhglkblbdh#ng]#@[pb\deng`lkblbdh.#/#2)#Db`^gfbmm^e#Z[s� `eb\a#Dk_hk]^kgbl#_� k#]Zl#GZg]^el[n\a#lhpb^#_� k#]Zl#VZk^g-,#Ek^f]p� akng`l-#ng]#hi^kZmbhgZe^#Qblbdh#bg#&#]^k#kblbdh`^pb\am^m^g#A^f^llng`l`kng]eZ`^#_� k#]Zl#Jk^]bmkblbdh.

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Wn`jZ_\eY\i`Z_k!qld!1.,!Gle`!0./.

+06MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

L`]!9Z_bUOWX`ZS!PQ]!<Q^OTlR_^RQXPQ]

E]UaM_W`ZPQZ&!@XQUZ'!`ZP!BU__QXNQ_]UQNQ!$E@B6%$BU[!e% ?-!-, ?-!,5!-% M<IsE;<ILE>

W`ej� Y\ijZ_ljj 11/ 123 x/2 x2$

W`ejleXY_� e^`^\!Biki� ^\ 0/0 /77 )/1 )5$

?\ki`\Yj\iki� ^\ 321 321 x/ x.$

?\ki`\YjXl]n\e[le^\e x171 x177 )4 x/$

?\ki`\Yj\i^\Ye`j /3. /23 )3 )2$

Hi\[`ki`j`bfmfijfi^\ x//7 x/04 )5 x4$

~Yi`^\!e`Z_k+fg\iXk`m\!Mfj`k`fe\e /. 4 )2 )54$

<cXVS_Zd!g`c!JeVfVc_ 0- .0 '-3 '3,"

#!Hle[\e]fi[\ile^\e /7,366 /6,56/ )6.5 )2$

#!O`j`bfXbk`mX!&OT>'!0' /.,650 /.,7.1 x1/ x.$

#!B`^\ebXg`kXc!1' 520 623 x/.2 x/0$

/'!Fe![\i!P\^d\ekY\i`Z_k\ijkXkkle^!nli[\e![`\!S\i^c\`Z_jn\ik\!]� i!0..7!Xe!Pkilbkli!le[!J\k_f[`b!![\j!?\i`Z_kjq\`kiXldj!Xe^\gXjjk!&j`\_\!Bic� lk\ile^\e!qli!P\^d\ekY\i`Z_k\ijkXkkle^!`e!Kfk\!&2/'!Xl]!P\`k\!31]],![`\j\j!?\i`Z_kj,!-!0'!AliZ_!jZ_e`kk!c`Z_\!O`j`bfXbk`mX!^\d� �!?Xj\c!FF!&Xcc\!O`j`bfXik\e',!-!!1'!HXcblcXkfi`jZ_\j!B`^\ebXg`kXc*!nfY\`!Q� Z_k\i!d`k!F>P+B`^\ebXg`kXc!\i]Xjjk!n\i[\e,!P`\_\!Kfk\!&2/',!-!A`\j\!>ed\ible^\e!^\ck\e!XlZ_!]� i![`\!]fc^\e[\e!P\^d\ekkXY\cc\e,!

Fd!OX_d\e![\j!Mif^iXddj!tF_V09w!_XY\e!n`i![Xj!Y`j_\i`^\!D\+

jZ_� ]kj]\c[!tO\kX`cw!`e!tMi`mXkble[\e*!Hc\`e+!le[!J`kk\cY\ki`\Y\!&MHJ?'w!

ldY\eXeek*![`\!\e^c`jZ_\!?\q\`Z_ele^!`e![\i!Re`@i\[`k!Diflg!cXlk\k!

tCXd`cp%PJBw,!E`ek\i![`\j\i!KXd\ej� e[\ile^!jk\_\e!\`e\!O\`_\!mfe!

JX�eX_d\e!qli!^\q`\ck\e!>ejgiXZ_\!lej\i\i!Hle[\e^ilgg\e![liZ_!

Y\[Xi]j^\eXl\!?\ki\lle^jdf[\cc\*!d`k![\e\e!n`i![`\!Hle[\ee� _\!

efZ_!n\`k\i!jk\`^\ie!nfcc\e,!?\i\`kj!`d!IXl]\!mfe!0..7!_XY\e!n`i![Xj!

Qfgj\^d\ek![\j!Mi`mXkble[\e^\jZ_� ]kj!qli!jg\q`Xc`j`\ik\e!?\ki\lle^!

Xe![Xj!D\jZ_� ]kj]\c[!Mi`mXk\!?Xeb`e^!&M?'!XY^\^\Y\e,!Fe![\i!P\^+

d\ekY\i`Z_k\ijkXkkle^!&j`\_\!fY`^\!QXY\cc\'!n\i[\e![`\j\!|e[\ile^\e!

i� Zbn`ib\e[!_\iXlj^\i\Z_e\k!&i\jkXk\['!le[![`\!M\i`f[\e!m\i^c\`Z_YXi!

^\dXZ_k,!Rd^\b\_ik!x!le[!d`k![\d!W`\c![\i![\q\ekiXc\e!Hle[\eY\+

ki\lle^!`e!>eY`e[le^!Xe!lej\i!C`c`Xce\kq!x!n`i[![\iq\`k![`\!~Y\ieX_d\!

[\j!Hle[\ej\^d\ekj!Hc\`e+!le[!J`kk\cY\ki`\Y\!mfe![\i!A`m`j`fe!@F?!`e!

[`\!A`m`j`fe!MHJ?!mfiY\i\`k\k*![`\!ql!GX_i\jY\^`ee!0.//![liZ_^\]� _ik!

n\i[\e!jfcc,!

Sfi![\d!E`ek\i^ile[![\i!\oki\d\e!HfealebklijZ_nXeble^\e![\i!c\kq+

k\e!\`e\`e_XcY!GX_i\!Y`\k\k![Xj!D\jZ_� ]kj]\c[!MHJ?!\`e!jkXY`c\j!?`c[*!

qlc\kqk!_Xk!j`Z_![`\!IX^\!Xl]^\_\cck,!AXj!Mi`mXkble[\e^\jZ_� ]k!x!le[!

efZ_!d\_i![`\!P\^d\ek\!D\jZ_� ]kjble[\e!le[!Hc\`elek\ie\_d\e!x!

j`e[!tqpbc`jZ_\!KXZ_c� l]\iw,!AX_\i!_Xkk\e!j`\!jk� ib\i!Xcj!Xe[\i\!D\+

jZ_� ]kjqn\`^\!lek\i![\i!jZ_nXZ_\e!?`ee\ebfealebkli*![\e!Fejfcm\e+

q\e!le[![\i!_f_\e!I`hl`[`k� kjgi� ]\i\eq![\i!>ec\^\i!ql!c\`[\e,!A\e+

efZ_!_XY\e![`\!`aVcReZgV_!<cecwXV!mfd!\ijk\e!qld!qn\`k\e!NlXikXc!

0./.!ld!1$!ql^\efdd\e*!nfd`k!j`\!ld!7$!_� _\i!nXi\e!Xcj!mfi!

\`e\d!GX_i,!Fd!/,!EXcYaX_i!0./.!nXi![\i![liZ_jZ_e`kkc`Z_\!Hle[\e+

bi\[`k!ld!2*1$!_� _\i!Xcj!`e![\i!S\i^c\`Z_jg\i`f[\![\j!SfiaX_i\j,!A\i!

QZ_dySVcdTYfdd!&11/!J`f!s'!cX^!efZ_!ld!2$!_`ek\i![\d!SfiaX_i\j+

n\ik!qli� Zb*!n\`c!c\`Z_k!qle\_d\e[\!W`ej\iki� ^\!`d!Hi\[`k^\jZ_� ]k!

[liZ_!\`e\e!\`ecX^\ej\`k`^\e!O� Zb^Xe^!� Y\ikif]]\e!nli[\e,!Fd!Sfi+

aX_i\jm\i^c\`Z_!m\i� e[\ik\e!j`Z_![`\!Sfcld`eX!Y\`!P`Z_k\`ecX^\e!le[!

PgXi\`ecX^\e!eli!n\e`^*![fZ_!jXeb\e![`\!W`ejjgi\X[j!� Y\i![\e!O\+

]\i\eqj� kq\e!_`\i![\lkc`Z_9!Y\`!Q\id`e^\c[\ie!x![`\!mfi!\`e\d!GX_i!`d!

Rd]\c[![\i!I`hl`[`k� kjbeXgg_\`k!`e!jkXib\i!Hfeblii\eq!efZ_!^\jlZ_k!

nXi\e!x!nXi\e!Xe^\j`Z_kj![\j!\ii\`Z_k\e!K`\[i`^q`eje`m\Xlj!le[![\i!

qn`jZ_\eq\`kc`Z_\!I`hl`[`k� kjjZ_n\dd\!e`Z_k!eli![`\!Pgi\X[j*!jfe+

[\ie!XlZ_![`\!Sfcld`eX!ld!Y`j!qli!E� c]k\!e`\[i`^\i!Xcj!`d!SfiaX_i,!

D\e\i\cc!c� jjk!j`Z_!jX^\e*![Xjj![`\!Hle[\e!`_i\!C`eXeq\e!q`ejj\ej`+

Y\c![`jgfe`\i\e!le[!B`ecX^\e!n`\!XlZ_!Hi\[`k\!`d!bliq]i`jk`^\e!?\+

i\`Z_!i\[lq`\i\e,!

P\_i!\i]i\lc`Z_!\ekn`Zb\ck\!j`Z_!`d!/,!EXcYaX_i!0./.![\i!Gc`gZdZ`_d)

ySVcdTYfdd!d`k!\`e\i!Pk\`^\ile^!ld!/.$!Xl]!0/.!J`f!s!&17$![\i!

fg\iXk`m\e!Biki� ^\',!AXql!kil^\e!S\ibXl]jgifm`j`fe\e!&lg]ifek+]\\j'!

Xd!jk� ibjk\e!Y\`*!nXj![\d!McXkq`\ile^j\i]fc^!lej\i\i!DXiXek`\gif+

[lbk\!ql![Xeb\e!`jk*!qld!?\`jg`\c![\i!MF>!@_`eX!DXiXek`\!f[\i![\i!

MF>!DcfYXc!Bd\i^`e^!JXib\kj!DXiXek`\,!x!AXj!T\ikgXg`\i^\jZ_� ]k!Y\+

c\Yk!j`Z_!Xcjf*!nfY\`![`\!>ec\^\i![\]\ej`m!le[!cXe^]i`jk`^!fi`\ek`\ik!Xl]!

&q,Q,!bXg`kXc^XiXek`\ik\'!Q_\d\e]fe[j!le[!Xl]!lej\i\!Bd`jj`fe\e!

&jkilbkli`\ik\!W`ejgif[lbk\'!j\kqk\e,!A`\!� Yi`^\e!A`\ejkc\`jkle^j\i+

ki� ^\!Yc`\Y\e!`d!SfiaX_i\jm\i^c\`Z_!`ej^\jXdk!jkXY`c,!WnXi!m\iq\`Z_+

e\k\e![`\!A\gfkj!n`\[\i!jk� ib\i\!Rdj� kq\!le[![`\!Hfem\ik`\ile^![\i!

Ci\d[n� _ile^jbi\[`k\!jk� kqk\![`\!Hi\[`kgifm`j`fe\e*![fZ_!eX_d\e!

Hfekf]� _ile^j+!le[!WX_cle^jm\ib\_ij^\Y� _i\e!&\knX!2.$![\j!^\+

jXdk\e!Mifm`j`fej� Y\ijZ_ljj\j'!n\`k\i!XY,!

A`\!8VecZVSdRfWhV_Uf_XV_!nXi\e!`d!/,!EXcYaX_i!0./.!e`\[i`^\i!!

Xcj!`d!SfiaX_i*![`\!@fjk- FeZfd\+OXk`f!^XY!ld!/!Mifq\ekglebk!Xl]!

50*2$!eXZ_,!AXj!?\ki`\Yj\i^\Ye`j!\ii\`Z_k\!/3.!J`f!s*!ld!2$!

d\_i!Xcj!`d!SfiaX_i,!A\i!Hi\[`ki`j`bfXl]nXe[!nXi!`d!/,!EXcYaX_i!0./.!

&%"[>JINYR(XJVR"KYSINSL"HTWXWZ"4"0(O]MVNLJ"6JSHMRFVP(BJSINXJ"UQYW"78C(AV]RNJ"

K^V"6FSPJRNWWNTSJS"$WJSNTV"IJGX'"_%

%$',2;/<"*?,9@37<

+37</7=?3-45>71

+

,

-

.

/

0

1

#

&/5.6,;4=@37<"$.(>TSFXWLJQI%

5 C @ ? 8= 5 C @ ? 8= ; > = > 5 > =;5 > = =

-++2 -+,+-++3

B)/.3>6$=/;6"0>7.371"-8<=<A#"_(6FSPJS&%

3)*."%"&(,.*"'(1+2*-0

IW)"(;/.3=@37<">;< *9YVTLJGNJX'"DSXJVSJMRJS*?JYLJWHM]KX"$LJR)"9E6%"\

$")-/"%"&(,.*"'+20#

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

+16MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

fbm#119#Lbh#u#gh\a#bff^k#ah\a,#^mpZ#lh#ah\a#pb^#bf#2.#GZe[cZak#

2009#(116#Lbh#u),#Z[^k#nf#7#Lbh#u#h]^k#nf#6&#gb^]kb`^k#Zel#bf#

1.#GZe[cZak#2009#z#]ZfZel#[^`Zgg#]b^#Jkbl^#Zn_#F^l\a� _mldng]^g#ng]#

Je^bgngm^kg^af^g#� [^ksn`k^b_^g.#Cb^#Bhlm#h_#Qbld#[^mkn`^g#122#AZlbl-

ingdm^#]^l#]l.#Jk^]bmohenf^gl#gZ\a#135#[i#bf#UhkcZak.#CZl#EbgZgsZg-

eZ`^^k`^[gbl#o^k[^ll^km^#lb\a#nf#4#Lbh#u#Zn_#11#Lbh#u,#[^]bg`m#]nk\a#

]^g#U^kdZn_#ohg#@dmb^g#Znl#]^f#EbgZgsZgeZ`^o^kf� `^g#]^k#Cboblbhg.#

CZl#Q^lnemZm#]^k#Cboblbhg#OkboZmdng]^g,#Je^bg-#ng]#Lbmm^e[^mkb^[^#

#o^k[^ll^km^#lb\a#lhfbm#ohg#Zee^g#R^bm^g;#Dkmk� `^g,#Jhlm^g#ng]#gb\am-

hi^kZmbo^g#Ohlbmbhg^g.#CZl#<cXVS_Zd!g`c!JeVfVc_#pZk#bf#1.#GZe[cZak#

2010#fbm#41#Lbh#u#nf#70&#a� a^k#Zel#bf#UhkcZak#(21#Lbh#u).##

Cb^#Db`^gdZibmZek^g]bm^#ohk#Rm^n^kg#dhggm^#Zn_#11,0&#`^lm^b`^km#

#p^k]^g,#snf#S^be#Zn_`kng]#]^l#[^ll^k^g#Dk`^[gbll^l,#snf#S be#Zn_-

`kng]#]^k#gb^]kb`^k^g#JZibmZe[bg]ng`#(z12&#bf#Cnk\al\agbmm).#

E]UaM_Q!6MZWUZS$BU[!e% ?-!-, ?-!,5! M<IsE;<ILE>

Ybgl� [^kl\anll 21 28 z7 z26&

YbglngZ[a� g`b`^#Dkmk� `^ 51 40 +11 +28&

A^mkb^[l^kmk� `^ 71 68 +4 +6&

A^mkb^[lZn_p^g]ng`^g z49 z47 z2 +5&

A^mkb^[l^k`^[gbl 22 21 +2 +8&

Jk^]bmkblbdhohklhk`^ 0 0 +0 z66&

� [kb`^#gb\am-hi^kZmbo^#Ohlbmbhg^g 0 0 +0 z85&

<cXVS_Zd!g`c!JeVfVc_ .. ., '. '5"

ShmZe#EbgZg\bZe#@ll^ml#*) 16.385 16.115 +270 2&

##Jng]^g_hk]^kng`^g# 371 322 +48 +15&

##QblbdhZdmboZ#(QV@)# 520 666 z146 z22&

##Db`^gdZibmZe# 123 153 z29 z19&

*)#O^kbh]^g^g]^.

Hf#g^n#]^_bgb^km^g#F^l\a� _ml_^e]#OkboZm^#AZgdbg`#(OA)#blm#]b^#Q^lmknd-

mnkb^kng`#fbm#]^k#Dg]^#2009#^k_he`m^g#Jng]^g� [^ke^bmng`#Znl#]^g#Zg-

]^k^g#Cboblbhgl#Z[`^l\aehll^g#(FnU#ng]#Uhenf^glsZae^g#lbg]#Zg#]b^#

]Zfbm#^kk^b\am^#F^l\a� _mllmkndmnk#[sp.#]b^#Jng]^gi^kbf^m^k#Zg`^iZllm#

(2009#k^lmZm^])).#Rhfbm#d� gg^g#pbk#]b^#li^sb_bl\a^g#Cb^glme^blmng`^g#

ng]#]b^#bg]bob]n^ee^#A^mk^nng`#^bg^k#OkboZm[Zgd#^bg^k#ahfh`^g^g#

#Yb^e`knii^#Zg[b^m^g.#Hf#Ingb#pnk]^#]b^#JZibmZeZgeZ`^`^l^eel\aZ_m#

vR\ah^ee^k[Zgd#Hgo^lmy#^klmfZel#ohee#dhglheb]b^km,#pZl#Zn_#]^k#DkmkZ`l-#

pb^#Zn_#]^k#Jhlm^gl^bm^#bf#1.#GZe[cZak#gnk#bg#]^k#Fk� �^ghk]gng`#ohg#

kng]#1#Lbh#u#bgl#F^pb\am#_� eem.#

CZl#DRc\ef^WV]U!pZk#bf#1.#GZe[cZak#2010#o^k`eb\a^g#fbm#]^f#Jhg-

cngdmnkmb^_#ng]#]^k#@[Zk[^bmng`#]^k#EbgZgsfZkdmdkbl^#ohk#^bg^f#IZak#

spZk#ng`e^b\a#[^ll^k,#]h\a#lhk`m^g#]b^#bff^k#pb^]^k#Zg#]b^#N[^k-

_e� \a^#mk^m^g]^g#Ri� m_he`^g#]^k#EbgZgsfZkdmdkbl^#ng]#V^emk^s^llbhg#

(Rmb\aphkm#Fkb^\a^geZg]dkbl^,#_bldZebl\a^#O^kli^dmbo^g,#pb]^klik� \a-

eb\a^#MZ\akb\am^g#snk#V^emdhgcngdmnk,#V^\al^ednkl^gmpb\deng`)#_� k#

`kh�^#Ynk� \daZemng`#l^bm^gl#]^k#Jng]^g.#Cb^#V^em[� kl^g#`Z[^g#bf#

U^keZn_#]^l#1.#GZe[cZak^l#2010#bg#ehdZe^k#V� akng`#bg#]^k#`Zgs^g#

Ak^bm^#gZ\a#(LRBH#V^em;#z7,8&,#AQHB#z8,2&,#R'O500;#z7,6&,#

#DnkhRmhqq#z10,3&,#@SW;#z8,7&).#Cb^#R\ane]^gdkbl^#]^k#^nkhi� b-

l\a^g#vO^kbia^kb^-RmZZm^gy#dZf#]^g#A^g\afZkd-RmZZmlZge^ba^g#sn-

`nm^,#]^k^g#V^kmsnpZ\al#(u-A^g\afZkd#10-c� akb`#+8,8&,#gb\am#

ah\a`^k^\ag^m)#lh`Zk#]^g#ShmZe#Q^mnkg#]^k#BhkihkZm^#Ahg]l#� [^kmkZ_#

(+3,7&,#b[hq#ghg#_bgZg\bZe#AAA).#Uhk#Zee^f#]^k#TR-CheeZk#lhk`m^#_� k#

O^k_hkfZg\^#(+17,0&),#`^kZ]^#]b^l^#z#fbmme^kp^be^#pb^]^k#snf#S be#

snk� \d`^[be]^m^#z#@n_p^kmng`#lib^`^em#Zee^k]bg`l#]b^#Tglb\a^ka^bm#

pb]^k,#pb^#lb^#Zn\a#bf#@glmb^`#]^l#Fhe]ik^bl^l#nf#13,3&#Zn_#

1.241#%/hs.#Dg]^#Ingb#snf#@nl]kn\d#dhffm.

MZ\a#pb^#ohk#iZkd^g#Jeb^gm^g#^bg^g#`kh�^g#Ohkm_hebhZgm^be#bg#Cbk^dm-

^bgeZ`^g,#]h\a#_Zg]#o^k`eb\a^g#fbm#L� ks#2010#^bg^#Tfl\ab\amng`#

sn`nglm^g#]^k#C^ihml#ng]#bg#]b^#U^kf� `^glo^kpZemng`#lmZmm,#]^k#@g-

m^be#]^k#Cbk^dm^bgeZ`^g#Zf#F^lZfmohenf^g#lZgd#ohg#39&#Zn_#32&.#

Lbm#ngl^k^f#g^n^g#Cb^glme^blmng`liZd^m#AZgd#@nlmkbZ#OkboZm^#Ohkm_h-

ebh#OQDLHTL#z#^bg#mkZgliZk^gm^l#OZnl\aZeik^blfh]^ee#z#aZ[^g#pbk#

^bg^#HgbmbZmbo^#snk#@dmbob^kng`#]^k#@ge^`^k#`^l^msm,#]b^#^klm^#Dk_he`^#

s^b`m.#Dl#o^kdg� i_m#bf#QZaf^g#]^k#U^kf� `^gl[^kZmng`#]b^#_ng]b^km^#

@gZerl^#ng]#A^kZmng`#fbm#bg]bob]n^ee^k#@geZ`^lmkZm^`b^#l\ahg#Z[#

Ohkm^_^nbee^l#ohg#50.000#u.#C^k#Jng]^#dZgg#bg#]^k#AZg][k^bm^#ohg#

_� g_#Hgo^lmf^gmlmbe^g#o^kl\ab^]^g^k#Qblbdhbgm^glbm� m#l^bg^#Ok� _^k^gs^g#

^bg[kbg`^g#ng]#Zn_#]b^#eZn_^g]^g#Uhkl\ae� `^#]^k#A^kZm^k#k^Z`b^k^g.#

Cb^#K eR]!=Z_R_TZR]!7ddVed#]^k#Cboblbhg#(R\ah^ee^k[Zgd#ng]#AZgd#

@nlmkbZ#OkboZm^#AZgdbg`)#o^k� g]^km^g#lb\a#`^`^g� [^k#Dg]^#2009#gnk#

p^gb`#ng]#eZ`^g#Dg]^#Ingb#[^b#-2(0!DcU!l.#Cb^#8VecZVSdVcecwXV#

(71#Lbh#u)#� [^kmkZ_^g#]Zl#UhkcZak^l^k`^[gbl#nf#6&.#C^k#MZmnk#]^l#

F^l\a� _ml#^gmlik^\a^g]#pZk#]^k#Okhoblbhgl� [^kl\anll#(69&#]^k#

#A^mkb^[l^kmk� `^)#]b^#^gml\a^b]^g]^#Rm� ms^,#^k#dhggm^#nf#13&#h]^k#

6#Lbh#u#Zn_#49#Lbh#u#`^lm^b`^km#p^k]^g.#M^[^g#]^g#Ti_khgm-F^[� a-

k^g#Znl#]^f#eZn_^g]^g#OeZmsb^kng`l^k_he`#dhggm^#^bg#g^n^l#U^klb\a^-

kng`likh]ndm#]^k#R\ah^ee^k[Zgd#^k_he`k^b\a#Zg#bgm^kgZmbhgZe^#Jng]^g#

Z[`^l^msm#p^k]^g.#C^k#Ybgl� [^kl\anll#(21#Lbh#u)#pZk#]^f`^`^g-

� [^k#nf#kng]#^bg#Ub^km^e#gb^]kb`^k#Zel#ohk#^bg^f#IZak,#pZl#ohk#Zee^f#

]b^#^kp� agm^#Ohkm_hebhnfl\ab\amng`#sneZlm^g#]^k#Kbjnb]bm� m#pb]^k-

lib^`^em.#

Hf#1.#GZe[cZak#2010#[^mkn`^g#]b^!8VecZVSdRfWhV_Uf_XV_#49#Lbh#u#

gZ\a#47#Lbh#u#bf#UhkcZak#ng]#pZk^g#]Zfbm#Z[`^l^a^g#ohg#]^f#^k-

p� agm^g#Jhglheb]b^kng`l^__^dm#lmZ[be.#Cb^#gb\am-hi^kZmbo^g#Ohlbmbhg^g#

eZ`^g,#pb^#_� k#]b^l^l#F^l\a� _ml_^e]#mribl\a,#gZa^#Mnee.#Vb^#]Zl#A^-

mkb^[l^k`^[gbl#o^k[^ll^km^#lb\a#]Zfbm#Zn\a#]Zl#<cXVS_Zd!g`c!JeVf)

Vc_#]^nmeb\a#`^`^g� [^k#UhkcZak,#g� feb\a#nf#9&#Zn_#22#Lbh#u.##

Cb^#Dgmpb\deng`#]^k#QblbdhZdmboZ#ng]#]^l#sn`^m^bem^g#Db`^gdZibmZel#

`^`^g� [^k#UhkcZak#lib^`^em#]Zl#o^k� g]^km^#@n_`Z[^gikh_be#]^l#F^-

l\a� _ml_^e]l#pb]^k#(@[`Z[^#]^k#_k� a^k^g#Okh]ndmbhgl_ngdmbhg^g#_� k#

]b^#AZgd#Zg#Zg]^k^#Cboblbhgl#[sp.#OH@).#Cb^#Db`^gdZibmZek^g]bm^#ohk#

Rm^n^kg#o^k[^ll^km^#lb\a#lhphae#]Zgd#]^k#DkmkZ`llm^b`^kng`,#Zel#

Zn\a#Zn_`kng]#]^k#`^kbg`^k^g#Db`^gdZibmZe[bg]ng`#(z19&)#Zn_#

36,0&#i^k#Zggnf#(UhkcZak;#26,7&).#

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

+26MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

7[]\[]M_Q!#!>ZaQ^_YQZ_!6MZWUZS!$7>6%$BU[!e% ?-!-, ?-!,5! M<IsE;<ILE>

Ybgl� [^kl\anll 474 840 z366 z44&

YbglngZ[a� g`b`^#Dkmk� `^ 233 71 +163 +230&

A^mkb^[l^kmk� `^ 707 910 z204 z22&

A^mkb^[lZn_p^g]ng`^g z218 z235 +17 z7&

A^mkb^[l^k`^[gbl 488 675 z187 z28&

Jk^]bmkblbdhohklhk`^ z84 z170 +86 z51&

� [kb`^#gb\am-hi^kZmbo^#Ohlbmbhg^g 2 z6 +8 z125&

<cXVS_Zd!g`c!JeVfVc_ 0,2 054 p 5. p-4"

##Jng]^g_hk]^kng`^g# 45.722 49.383 z3.661 z7&

##QblbdhZdmboZ#(QV@)# 30.622 34.108 z3.486 z10&

##Db`^gdZibmZe# 8.006 7.623 +383 +5&

Cb^#Cboblbhg#BhkihkZm^#'#Hgo^lmf^gm#AZgdbg`#dhggm^#]Zl#Dk`^[gbl#bf#

[bla^kb`^g#IZak^lo^keZn_#]^nmeb\a#lm^b`^kg;#Dkmk� `^,#A^mkb^[l^k`^[gbl#

ng]#Dk`^[gbl#ohk#Rm^n^kg#o^k[^ll^km^g#lb\a#l^bm#]^f#Sb^_ingdm#bf##

4.#PnZkmZe#2009#dk� _mb`.#CZsn#mkn`#^bg#^k_he`k^b\a^l#2.#PnZkmZe#2010#

[^b,#]Zl#ohg#lm^b`^g]^g#Dkmk� `^g,#lbgd^g]^g#Jhlm^g#ng]#gZ\a`^[^g-

]^f#Jk^]bmkblbdhZn_pZg]#`^ik� `m#pZk.#Lbm#252#Lbh#u#pZk#]Zl#<c)

XVS_Zd!g`c!JeVfVc_#sne^msm#nf#64&#a� a^k#Zel#bf#UhkjnZkmZe,#]Zl#

1,8_Z\a^#]^l#4.#PnZkmZel#ng]#Zn\a#f^ak#Zel#]hii^em#lh#ah\a#pb^#ohk#

^bg^f#IZak.#Hf#1.#GZe[cZak#2010#^kk^b\am^#]Zl#Dk`^[gbl#ohk#Rm^n^kg#

0,2!DZ`!l,#^l#pZk#]Zfbm#nf#92#Lbh#u#h]^k#18&#ngm^k#]^f#Zn�^k`^-

p� ageb\a#`nm^g#UhkcZak^lk^lnemZm.#CZkbg#dhffm#]^k#z#bg#]b^l^f#A^kb\am#

l\ahg#f^ak_Z\a#a^kohk`^ah[^g^#z#AZlbl^__^dm#snf#@nl]kn\d,#snfZe#

lb\a#]^k#UhkcZak^lo^k`e^b\a#Zn_#^bg#Zn�^k`^p� ageb\a#aha^l#aZg]^elbg-

]nsb^km^l#Ybgl^k`^[gbl#bg#]^g#^klm^g#LhgZm^g#ohg#2009#[^sb^am.#Rh#

^ksb^em^#]b^#Okh]ndmebgb^#vBhngm^kiZkmly#Zn_`kng]#]^l#aZg]^elbg]nsb^k-

m^g#Ybgl^k`^[gbll^l,#]^k#Sk^Zlnkr-Ybgl^kmk� `^#lhpb^#]^l#Hgm^k^lm#QZm^#

LZgZ`^f^gml#(Ybglikh]ndm^)#bf#UhkcZak#^bg^#Dk`^[gbl#ohk#Rm^n^kg#ohg#

351#Lbh#u,#]^f#a^n^k#196#Lbh#u#`^`^g� [^klm^a^g.#C^k#`^lZfm^#

Q� \d`Zg`#]^l#Dk`^[gbll^l#Zn_#Cboblbhgl^[^g^#(z 92#Lbh#u)#`^`^g� [^k#

UhkcZak#k^lnemb^km#lhfbm#Znl#]b^l^k#Dgmpb\deng`#(z155#Lbh#u),#]b^#

]nk\a#]b^#lmkZm^`bl\a#^kp� gl\am^#Q� \d_� akng`#]^l#Db`^gaZg]^el#gh\a#

o^klm� kdm#pnk]^.

Dbg#p^l^gmeb\a^k#A^lmZg]m^be#]^k#Okh]ndmebgb^#Bhngm^kiZkml#pZk#]b^#

TgbBk^]bm#B@HA,#]b^#bf#Ingb#`knii^gbgm^kg#o^kdZn_m#pnk]^#(lb^a^#R^bm^#7#

]b^l^l#A^kb\aml).#Cb^#F^pbgg-#ng]#U^kenlmk^\agng`#]^l#F^l\a� _ml_^e]^l#

_� k#]Zl#U^k`e^b\alcZak#2009#pnk]^#bf#Yn`^#]^l#Q^lmZm^f^gml#Zg#]^g#

Jhglheb]b^kng`ldk^bl#]^k#A^kb\amli^kbh]^#Zg`^iZllm,#]Zl#a^b�m#]b^#

TgbBk^]bm#B@HA#blm#2009#pb^#Zn\a#2010#fbm#]^g#^klm^g#_� g_#LhgZm^g#

]^l#IZak^l#[^k� \dlb\amb`m#(lb^a^#Mhm^#(41)#Zn_#R^bm^#53__.#]^l#A^kb\aml).#

C^k#EVee`kZ_dVcecRX!]^k#BHA-Cboblbhg#^kk^b\am^#bf#1.#GZe[cZak#

449#Lbh#u,#]Zohg#^gm_b^e^g#Zn_#]b^#Rn[]boblbhg#M^mphkd,#]b^#]Zl#dhf-

f^ksb^ee^#F^l\a� _ml#[^l\ak^b[m,#300#Lbh#u#(+4&#``.#UhkcZak).#CZl#

dhff^ksb^ee^#Ebkf^gdng]^g`^l\a� _m#bg#�lm^kk^b\a#(M^mphkd#@nlmkbZ)#

pZk#dk^]bml^bmb`#ohg#]^k#l\ap� \a^k^g#MZ\a_kZ`^#`^d^ggs^b\ag^m,#pZl#

]nk\a#]b^#e^b\am#o^k[^ll^km^g#Ybgllik^Z]l#gb\am#Znl`^`eb\a^g#p^k]^g#

dhggm^.#Tf`^d^akm#pZk#]Zl#Abe]#bf#OZllbo`^l\a� _m;#Gb^k#pZk^g#[^b#

Rb\am-#ng]#S kfbg^bgeZ`^g#]b^#UhenfbgZ#bf#GZe[cZak^l]nk\al\agbmm#

a� a^k#Zel#ohk#^bg^f#IZak#(c^p^bel#+3&),#]Z_� k#Z[^k#pZk^g#]b^#Ybgl-

lik^Z]l#Zn_`kng]#]^k#_Zee^g]^g#Jng]^gsbgl^g#lhpb^#]^k#Q^_^k^gslZms-

^gmpb\deng`#nf#f^ak#Zel#^bg#Ub^km^e#gb^]kb`^k#Zel#ohk#^bg^f#IZak,#]^f-

^gmlik^\a^g]#lZgd^g#]b^#iZllbol^bmb`^g#Ybgl^kmk� `^.#Cb^#Cbob]^g]^g-

^kmk� `^#ng]#Dkmk� `^#ohg#Zm-^jnbmr-[^p^km^m^g#A^m^beb`ng`^g#pZk^g#bf#

UhkcZak#g^`Zmbo#(z22#Lbh#u),#bg#]b^l^f#IZak#ihlbmbo#(+25&).#Yn#]^f#

Tfl\apng`#aZ[^g#]b^#A^ll^kng`#]^k#KZ`^#bf#Hffh[beb^gl^dmhk#

lhpb^#]b^#A^m^beb`ng`#Zg#]^k#Jhgmkhee[Zgd#[^b`^mkZ`^g.#YnlZff^g-

`^ghff^g#^k`b[m#lb\a#_� k#]Zl#1.#GZe[cZak#2010#^bg#Ybgl� [^kl\anll#

(474#Lbh#u,#z44&#`^`^g� [^k#UhkcZak).#C^k#Gc`gZdZ`_dySVcdTYfdd!

dhggm^#bf#2.#PnZkmZe#lmZkd#`^lm^b`^km#p^k]^g#(+14&)#ng]#e� lm#lb\a#

eZg`lZf#ohg#]^f#mb^_^g#Mbo^Zn,#Zn_#]Zl#^k#bg#MZ\apbkdng`#]^k#

#EbgZgsfZkdmdkbl^#ng]#bg#Ehe`^#]^k#Q^s^llbhg#Lbmm^#e^msm^g#IZak^l#`^-

_Zee^g#pZk.#Hf#1.#GZe[cZak#pZk#^k#fbm#172#Lbh#u#nf#14&#� [^k#UhkcZak.#

G� a^k^#Okhoblbhgl^kmk� `^#lmZff^g#ohk#Zee^f#Znl#^bgfZeb`^g#Jk^]bm-

ikhoblbhg^g#bf#Fkh�dng]^g`^l\a� _m#lhpb^#]^g##Bnlmh]r-F^[� ak^g,#

p� ak^g]#]Zl#V^kmiZib^k`^l\a� _m#^bgl\ae.#C^kboZm^g#gZ\a#pb^#ohk#

#[^eZlm^m.#CZl#?R_UV]dVcXVS_Zd!pZk#gZ\a#]^g##M^`Zmbo^k`^[gbll^g##

]^l#o^k`Zg`^g^g#IZak^l#a^n^k#pb^]^k#ihlbmbo#(1.#Gc#2010#56#Lbh#u).#

C^k#Tfl\apng`#o^k[^ll^km#]b^#Dkmk� `^#nf#143#Lbh#u.#Cb^#8VecZVSd)

RfWhV_Uf_XV_#pZk^g#bf#1.#GZe[cZak#2010#nf#7&#`^kbg`^k#Zel#bg#

]^k#U^k`e^b\ali^kbh]^#]^l#UhkcZak^l.#C^k#Q� \d`Zg`#blm#n.Z.#Zn_#]^g#

#k^]nsb^km^g#O^klhgZeZn_pZg]#snk� \dsn_� ak^g.#Cb^#Bhlm/ Hg\hf^-QZmbh#

[^mkn`#20,9&#(UhkcZak#25,8&#Zn_`kng]#]^k#aha^g#Dkmk� `^#bf##

M^gg^k#]^k#J^ggsZae).#Rhfbm#^k`b[m#lb\a#_� k#]Zl#1.#GZe[cZak#2010#^bg#

#8VecZVSdVcXVS_Zd#bg#G� a^#ohg#488#Lbh#u.#

C^k#BcVUZecZdZ\`RfWhR_U!dhggm^#bf#1.#GZe[cZak#2010#Zn_#84#Lbh#u#

`^l^gdm#p^k]^g,#]^k#U^k`e^b\alp^km#eZnm^m#170#Lbh#u.#CZfbm#eZ`^g#]b^#

Bhlm#h_#Qbld#sne^msm#[^b#37#AZlblingdm^g#([i)#gZ\a#69#[i#bf#1.#GZe[-

cZak#2009.#S bep^bl^#(sn#p^gb`^k#Zel#]^k#G� e_m^)#blm#]b^l#Zn_#]b^#@n_-

e� lng`#^bg^k#Q� \dlm^eeng`#_� k#^bg^g#Fkh�dk^]bm#snk� \dsn_� ak^g,#pZl#

Z[^k#]Zl#ihlbmbo^#Abe]#gb\am#l\af� e^km.#Cb^#Jhgcngdmnk#aZm#_� k#]^g#

Jk^bl#]^k#^qihkmhkb^gmb^km^g#Hg]nlmkb^ngm^kg^af^g#ng]#]^k^g#Yneb^_^k^k#

lb\a^k#lm� ms^g]#`^pbkdm.#Hf#fbmm^elm� g]bl\a^g#A^k^b\a#aZ[^g#lb\a#]b^#

Ek� a^kd^ggng`,#]b^#ohklhk`^g]^g#Hglmknf^gm^#ngm^k#DbglZms#]^l#Vhk-

dbg`BZibmZeBa^\d#h]^k#]^l#U^kl\ane]ng`lJZiZsbm� mlQ^\ag^kl#lhpb^#

]b^#RZgb^kng`#ng]#Q^lmkndmnkb^kng`#[^p� akm.#CZl#<cXVS_Zd!g`c!JeVf)

Vc_#]^k#BHA-Cboblbhg#[^mkn`#bf#1.#GZe[cZak#406#Lbh#u,#]b^l#^gmlikb\am#

42&#]^l#Dk`^[gbll^l#]^k#F^l\a� _ml_^e]^k#hag^#BhkihkZm^#B^gm^k.#

Cb^#]nk\al\agbmmeb\a^g#IZdZ\`R\eZgR#(k^lmZm^])#`^f� �#AZl^e#HH#

(30,6#Lk]#u)#pZk^g#nf#10&#gb^]kb`^k#Zel#ohk#^bg^f#IZak.#CZkbg#

dhffm#� [^kpb^`^g]#]b^#Tflmkndmnkb^kng`#]^l#GZg]^el#ng]#]b^#o^k-

� g]^km^#@k[^bmlm^beng`#bg#]^k#TgbBk^]bm#Fkhni#snf#@nl]kn\d#z#]Zl#

LZkdmkblbdh#pnk]^#bg#BHA#nf#61&#snk� \d`^_� akm.#CZl#Db`^gdZibmZe#

^gma� em#`^f� �#]^k#]nZe^g#TgbBk^]bm-L^mah]bd#]Zl#mZml� \aeb\a^#HEQR-

JZibmZe#]^k#]b^l^f#F^l\a� _ml_^e]#sn`^hk]g^m^g#Sh\am^k`^l^eel\aZ_m^g<#

o^k`eb\a^g#fbm#]^f#dZedneZmhkbl\a^g#Db`^gdZibmZe#^k`b[m#lb\a#]ZkZnl#

^bg^#lmZkd^#� [^kdZibmZeblb^kng`.#F^f^ll^g#Zf#dZedneZmhkbl\a^g#Db`^g-

dZibmZe#Zn_#AZlbl#]^k#QV@#^kpbkml\aZ_m^m^#]b^#Cboblbhg#^bg^#Db`^gdZib-

mZek^g]bm^#ohk#Rm^n^kg#ohg#40,6&.

#

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

+36MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

LQZ_]MX'!`ZP!D^_Q`][\M!$799%$BU[!e% ?-!-, ?-!,5! M<IsE;<ILE> 8<I&%!

Ybgl� [^kl\anll 1.601 1.492 +108 +7& +3&

YbglngZ[a� g`b`^#Dkmk� `^ 617 904 z287 z32& z36&

A^mkb^[l^kmk� `^ 2.218 2.396 z179 z7& z11&

A^mkb^[lZn_p^g]ng`^g z1.033 z 956 z77 +8& +4&

A^mkb^[l^k`^[gbl 1.185 1.440 z255 z18& z22&

Jk^]bmkblbdhohklhk`^ z691 z707 +16 z2& z4&

� [kb`^#gb\am-hi^kZmbo^#Ohlbmbhg^g 1 z13 +14 g.l. g.l.

<cXVS_Zd!g`c!JeVfVc_ 051 3., p..2 p/-" p/4"

##Jng]^g_hk]^kng`^g# 60.564 60.937 z373 z1& z4&

##QblbdhZdmboZ#(QV@)# 72.575 73.454 z880 z1& z5&

##Db`^gdZibmZe# 10.953 9.753 +1.200 +12& +8&

*)#sn#dhglmZgm^g#V^\al^ednkl^g#ohg#Dg]^#2008

CZl#F^l\a� _ml_^e]#Y^gmkZe-#ng]#Nlm^nkhiZ#(BDD)#aZm#]b^#Zn�^k`^-

p� ageb\a^g#A^eZlmng`^g#]^l#UhkcZak^l#`nm#`^f^blm^km#ng]#l^bg^#

Qhee^#Zel#p^l^gmeb\a^#DkmkZ`llm� ms^#]^k#AZgd#@nlmkbZ#[^pb^l^g,#

Zn\a#p^gg#]b^#MZ\apbkdng`^g#]^k#Jkbl^#]Zl#Q^lnemZm#gh\a#bff^k#

lmZkd#]k� \d^g;#Hf#1.#GZe[cZak#2010#aZm#]b^#Cboblbhg#_Zlm#sp^b#Ckbmm^e#

(64&)#snf#hi^kZmbo^g#Dk`^[gbl#ng]#z#mkhms#aha^k#Qblbdhohklhk`^g#

z#f^ak#Zel#]b^#G� e_m^#(51&)#snf#Dk`^[gbl#ohk#Rm^n^kg#]^k#F^-

lZfm[Zgd#(hag^#BhkihkZm^#B^gm^k)#[^b`^mkZ`^g.

Cb^#Vb^]^k[^e^[ng`#]^l#hi^kZmbo^g#F^l\a� _ml#s^b`m#lb\a#bf#HfRc)

eR]dgVc]RfW;#CZl#Uhenf^g#(`^f^ll^g#Zg#]^g#]nk\al\agbmmeb\a^g#

QblbdhZdmboZ),#]Zll#ohg#l^bg^f#G� \almp^km#bf#1.#PnZkmZe#2009#[bl#

snf#3.#PnZkmZe#2009#nf#9,7&#Z[`^ghff^g#aZm,#lm^b`m#l^bm]^f#

pb^]^k#ng]#aZm#bf#2.#PnZkmZe#2010#_Zlm#pb^]^k#]^g#@nl`Zg`lp^km#

ohk#`nm#^bg^f#IZak#(z0,7&)#^kk^b\am.#CZl#Jk^]bmohenf^g#^gmpb-

\d^em^#lb\a#� ageb\a.#@n\a#]b^#vgZ\aaZemb`^gy#DkmkZ`ldhfihg^gm^g#

Ybgl-#ng]#Okhoblbhgl� [^kl\anll#aZ[^g#l^bm#]^f#2.#PnZkmZe#2009#

lm^mb`#sn`^ghff^g<#snlZff^g`^ghff^g#pZk^g#lb^#fbm#

1.116#Lbh#u#bf#2.#PnZkmZe#2010#nf#12&#a� a^k#Zel#ohk#^bg^f#

IZak#ng]#]Zfbm#dgZii#ngm^k#]^g#G� \almlm� g]^g#Dg]^#2008.##

C^k#Jk^]bmkblbdhZn_pZg]#pZk#Zn_`kng]#]^l#gZ\aeZn_^g]^g#Jk^]bm-

srdenl#bf#]kbmm^g#(510#Lbh#u)#ng]#ob^km^g#PnZkmZe#(501#Lbh#u)#]^l#

UhkcZak^l#Zf#a� \alm^g<#bf#eZn_^g]^g#IZak#`Z[#^k#]^nmeb\a,#Zn_#

314#Lbh#u#ng]#377#Lbh#u#bf#^klm^g#[sp.#sp^bm^g#PnZkmZe,#gZ\a#

ng]#eZ`#]Zfbm#Zn\a#ngm^k#]^g#V^km^g#ohk#^bg^f#IZak#z#pZl#gh\a#

bff^k#^bg#l^ak#aha^l#Jk^]bmkblbdh#[^]^nm^m#ng]#50#[bl#60&#]^l#

hi^kZmbo^g#Dk`^[gbll^l#[^Zglikn\am.

Hf#-*!?R]S[RYc!.,-,#eZ`#]Zl#Dk`^[gbl#ohk#Rm^n^kg#]^l#F^l\a� _ml-

_^e]^l#BDD#[^b#495#Lbh#u#ng]#]Zfbm#nf#31&#ngm^k#]^f#Mbo^Zn#

]^l#1.#GZe[cZak^l#2009.#C^k#Q� \d`Zg`#nf#226#Lbh#u#bf#UhkcZa-

k^lo^k`e^b\a#blm,#pb^#]b^#SZ[^ee^#s^b`m,#ohg#]^g#sbglngZ[a� g`b`^g#

Dkmk� `^g#(z287#Lbh#u)#o^knklZ\am,#ng]#ab^k#ohk#Zee^f#ohf#GZg-

]^el^k`^[gbl.#C^k#DkmkZ`lk� \d`Zg`#bf#UhkcZak^lo^k`e^b\a#lib^`^em#

lhfbm#]b^#`^`^gl� mseb\a^#KZ`^#Zn_#]^g#EbgZgsf� kdm^g#pb]^k,#]b^#

gb\am#ngm^kl\ab^]eb\a^k#l^bg#d� ggm^;#Rh#aZm#lb\a#]Zl#GZg]^el^k-

`^[gbl#]^k#Cboblbhg#ohg#359#Lbh#u#bf#1.#GZe[cZak#2009#Zn_#

34#Lbh#u#bf#1.#GZe[cZak#2010#ghkfZeblb^km.#Uhk#^bg^f#IZak#pZk#

^l#Zn_`kng]#]^k#lmZkd^g#UheZmbebm� m#ng]#GZg]^elnfl� ms^#lhpb^#]^l#

@[lb\a^kng`l[^]Zk_l#bf#Tf_^e]#]^k#]ZfZeb`^g#BDD-Rd^ilbl#ng]#

]^k#ohk� [^k`^a^g]#aha^g#QblbdhZn_l\ae� `^#^[^g#a^kZnlkZ`^g]#

ah\a.#Cb^l^#Dgmpb\deng`#`bem#_� k#]b^#L^aksZae#]^k#K� g]^k,#Zf#

lm� kdlm^g#pZk#]^k#Q� \d`Zg`#`^`^g� [^k#^bg^f#l^ak#aha^g#Uhk-

cZak^lgbo^Zn#bg#QnlleZg],#Qnf� gb^g#ng]#bg#]^k#S� kd^b.#Ohlbmbo#aZm#

lb\a#]Zl#eZn_^g]^#dhff^ksb^ee^#F^l\a� _m#^gmpb\d^em,#ng]#spZk#

lhphae#bf#c� g`^k^g#PnZkmZeo^keZn_#Zel#Zn\a#bf#UhkcZak^lo^k`e^b\a;#

C^k#Ybgl� [^kl\anll#pZk#nf#7&#a� a^k#Zel#bf#UhkcZak#(p^\al^e-

dnkl[^k^bgb`m#nf#3&)#z#bf#2.#PnZkmZe#2010#eZ`#]^k#@glmb^`#`^-

`^g� [^k#UhkcZak#l\ahg#[^b#12&.#F^`^g� [^k#]^k#dkbmbl\a^g#U^kng-

lb\a^kng`li^kbh]^#bf#Ek� acZak#2009,#Zel#]b^#Qblbdhlik^Z]l#ohk-

� [^k`^a^g]#bg#]b^#G� a^#l\ahll^g,#aZ[^g#lb\a#Zn\a#]b^#Q^_bgZg-

sb^kng`l[^]bg`ng`^g#bg#]^g#f^blm^g#K� g]^kg#pb^]^k#o^k[^ll^km.#

Cb^#M^mmhsbglliZgg^#(M^mmhsbgl^kmkZ`/]nk\al\ag.#Jng]^gdk^]bm)#

lmb^`#ohg#486#AZlblingdm^g#Zn_#527#AZlblingdm^.#CZl#ikhoblb-

hglpbkdlZf^#F^l\a� _m#aZm#lb\a#^k_k^neb\a#^gmpb\d^em,#snfZe#]b^l#

^bg#Gbgp^bl#]ZkZn_#blm,#]Zll#]b^#LZkdm]nk\a]kbg`ng`#fbm#fh]^k-

g^g#AZgdikh]ndm^g#ng]#Cb^glme^blmng`^g#pb^]^k#Zg#EZakm#`^-

pbggm.#Hf#2.#PnZkmZe#2010#pZk#]^k#Okhoblbhgl� [^kl\anll#nf#

10&#a� a^k#Zel#bf#UhkjnZkmZe#ng]#nf#13&#a� a^k#Zel#ohk#^bg^f#

IZak,#bf#1.#GZe[cZak#eZ`#^k#nf#10&,#p^\al^ednkl[^k^bgb`m#nf#

4&,#� [^k#UhkcZak.#Vb^]^knf#lmZffm#]^k#a� \alm^#VZ\almnfl[^b-

mkZ`#Znl#]^k#S� kd^b,#ph#XZi"#Jk^]b#_� ak^g]#[^b#^bg^#Q^ba^#ohg#

AZgd]b^glme^blmng`^g#blm#(]Zkngm^k#Jk^]bmdZkm^g,#EZ\mhkbg`).#Cb^#

hi^kZmbo^g#Dkmk� `^#snlZff^g`^ghff^g#^kk^b\am^g#bf#2.#PnZkmZe#

2010#pb^]^k#]^g#V^km#]^l#UhkcZak^ljnZkmZel#ng]#pZk^g#bf##

1.#GZe[cZak#2010#fbm#2.218#Lbh#u#Zee^bg#Zn_`kng]#]^l#k� \de� n_b-

`^g#GZg]^el^k`^[gbll^l#nf#7&#gb^]kb`^k#Zel#bg#]^k#U^k`e^b\al-

i^kbh]^#]^l#UhkcZak^l#(p^\al^ednkl[^k^bgb`m#nf#11&).#

Cb^#gb\am-hi^kZmbo^g#Ohlbmbhg^g#]^k#FnU#mkn`^g#spZk#ihlbmbo#snk#

Dk`^[gbl^gmpb\deng`#bf#UhkcZak^lo^k`e^b\a#[^b#(+30#Lbh#u),#]h\a#

pZk#]Zl#Jk^]bmkblbdh#gZ\a#pb^#ohk#^bg^#`kh�^#A^eZlmng`.#C^k#Jk^-

]bmkblbdhZn_pZg]#]^l#1.#GZe[cZak^l#2010#bg#G� a^#ohg#691#Lbh#u#

pnk]^#dgZii#snk#G� e_m^#(48&)#ohg#JZlZ\almZg#ng]#]^k#TdkZbg^#

o^knklZ\am,#ph#^k#snlZff^g`^ghff^g#nf#45&#``.#Uc.#`^lmb^-

`^g#blm#(^bgl\aeb^�eb\a#]^k#bf#Vb^g^k#BDD-G^Z]jnZkm^k#`^[n\am^g#

FZkZgmb^g#]^k#TgbBk^]bm#AZgd#@nlmkbZ).#C^f#lm^am#^bg^#U^k[^ll^-

kng`#bg#]^g#� [kb`^g#K� g]^kg#`^`^g� [^k.#V^l^gmeb\a#]ZkZg#[^m^b-

eb`m#pZk#]b^#ihlbmbo^#Dgmpb\deng`#bg#]^k#S� kd^b;#Ynf#^bg^g#_Zg]#

]^k#Jk^]bmsrdenl#bg#]b^l^f#KZg]#l\ahg#2009#l^bg^g#G� a^ingdm,#

Zel#l^ak#aha^#Uhklhk`^g#Zn_`^[Znm#pnk]^g,#snf#Zg]^k^g#mkn`^g#

^bg^#^k_he`k^b\a^#Bhee^\mbhg#lhpb^#^bg^#`k� �^k^#U^k[kb^_ng`lZdmbhg#

]Zsn#[^b,#]Zll#]b^#Q� \dlm^eeng`^g#2010#g^mmh#_Zlm#`Zk#gb\am#Zn_-

`^lmh\dm#p^k]^g#fnllm^g.#

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

,*6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

Cb^#Bhlm#h_#Qbld#(Jk^]bmkblbdh/]nk\al\agbmmeb\a^#M^mmh_hk]^kng`^g#

Zg#Jng]^g)#`Z[^g#bg#BDD#bgl`^lZfm#Zn_#228#AZlblingdm^#([i)#

gZ\a#(UhkcZak#232#[i).#Vb^#]b^#FkZ_bd#s^b`m,#blm#]Zl#Ohkm^_^nbee^#

gZ\a#Qblbdhdhlm^g#lmZkd#]bo^klb_bsb^km,#h]^k#Zg]^kl#Znl`^]k� \dm,#]^k#

@gm^be#]^k#Okh[e^fe� g]^k#JZlZ\almZg#ng]#TdkZbg^#fZ\am#gnk#^bg#

@\am^e#]^l#F^lZfm^g`Z`^f^gml#Znl.#L^ak#Zel#60&#]^l#Ohkm^-

_^nbee^l#^gm_Zee^g#c^]h\a#Zn_#K� g]^k,#bg#]^g^g#]b^#Qblbdhdhlm^g#

(BhQ)#ngm^k#200#[i#eb^`^g.

Hf#1.#Gc.#2010#[^mkn`#]Zl#Dk`^[gbl#ohk#Rm^n^kg#495#Lbh#u#gZ\a#

720#Lbh#u#bf#UhkcZak#(z31&#[sp.#z38&#VJ-[^k^bgb`m).#C^k#Z[lh-

enm^#Q� \d`Zg`#(226#Lbh#u)#lib^`^em#Zn\a#Zn_#]b^l^k#Dk`^[gbl^[^g^#

]b^#@[gZaf^#]^k#sbglngZ[a� g`b`^g#Dkmk� `^#Znl#]^g#ohkabg#^k-

p� agm^g#Fk� g]^g#pb]^k#(287#Lbh#u).#MZ\a#^bgs^eg^g#K� g]^kg#[^-

mkZ\am^m#o^ks^b\ag^m^#JZlZ\almZg#^bg^g#sp^blm^eeb`^g#U^kenlm,#]Zl#

Dk`^[gbl#ohk#Rm^n^kg#]^k#TgbBk^]bm#AZgd#bg#]^g#]k^b#[Zembl\a^g#

K� g]^kg#_b^e#e^b\am#ngm^k#Mnee.#

CZl#]^f#F^l\a� _ml_^e]#BDD#sn`^hk]g^m^#Db`^gdZibmZe#^ka� a^#lb\a#

bf#Cnk\al\agbmm#1.#Gc#2010/1.#Gc.#2009#nf#1,2#Lk]#u#h]^k#12&#

Zn_#11,0#Lk]#u.#Cb^l#lm^eem#^bg#`nm^#AZlbl#]Zk,#]b^#gZ\a#pb^#ohk#bg-

mZdm^g#Lbmm^e-/KZg`_kblmi^kli^dmbo^g#bg#Y^gmkZe-#ng]#Nlm^nkhiZ#sn#

gnms^g#ng]#]Zl#`Zgs^#Dbgsn`l`^[b^m#bgm^glbo#sn#^kl\aeb^�^g.#

'))#*8/.2;768;/0/<244/&>8/1265-4/>(2=/892023-;265><5.>'69;>60>,293

8OIC?B"$)/#%"4G62"1<H8N?"),(*)."*-*"9H

6LJJD;F>"$)-#%4G62"*((<H

6LENFB?F"$-#%"4G62"++*<H

9CI;BF?"$.#%"4G62".-)<H

5;J;=AJK;F"$/#%"4G6&%2")')/*<H7DGM;C?B"$,#%"4G62".+<H

3;DKBCLE"$)#%"4G62"0/<H

5IG;KB?F"$)-#%4G62"),)<H

3GJFB?F"$*#%"4G62").*<H

7?I<B?F"$*#%4G62")**<H

8J=A?=AB?F"$))#%"4G62"0-<H

3LD@;IB?F"$.#%"4G62")0)<H

7DGM?FB?F"$,#%"4G62"/*<H

9F@;IF"$.#%"4G62"*),<H

5J=<ALHGJL=>=MADD=."1F<="4MFA"+)*)/"0GKL"G>"6AKC"#0G6$."*'"38D9B8@J"+)*)

%$"=AFK;@DA=ODA;@"<=J"28J8FLA="AE"7A=F=J"011&3=8<IM8JL=J"

%$"$>+8.>?

L`!PQZ!799'AlZPQ]Z!UY!9UZdQXZQZHg#]^f#F^l\a� _ml_^e]#Y^gmkZe-#ng]#Nlm^nkhiZ#(BDD)#]^k#AZgd#@nlmkbZ#

lbg]#Sh\am^k[Zgd^g#bg#Z\ams^ag#K� g]^kg#snlZff^g`^_Zllm,#]b^#

lb\a#c^#gZ\a#RmZg]#]^l#Jhgo^k`^gsikhs^ll^l,#gZ\a#]^f#lmkndmn-

k^ee^g#R\ap^kingdm#]^k#Uhedlpbkml\aZ_m#lhpb^#gZ\a#]^k#KZ`^#bf#

AZgd^gl^dmhk#lmZkd#ngm^kl\a^b]^g.#CZkngm^k#_Zee^g#ngl^k^#Dbga^b-

m^g#bg#]^k#S� kd^b,#bg#QnlleZg]#ng]#bg#JkhZmb^g#Zn_`kng]#]^k#Fk� �^#

]^l#KZg]^l#ng]/h]^k#Zn_`kng]#]^l#^kk^b\am^g#LZkdmZgm^bel#ngl^-

k^k#ehdZe^g#AZgd#z#_� k#]b^#Dgmpb\deng`#]^l#F^l\a� _ml_^e]^l#BDD#

[^lhg]^kl#lmZkd#bgl#F^pb\am.#Cb^#]k^b#K� g]^k#mkZ`^g#fbm#45&#]^k#

QblbdhZdmboZ#f^ak#Zel#]b^#G� e_m^#sn#]^g#hi^kZmbo^g#Dkmk� `^g#ng]#

snf#A^mkb^[l^k`^[gbl#[^b.#

"#Hg#]^k#Kyc\VZ!lm^b`^km^#]b^#Jh� #EbgZg\bZe#R^kob\^l#Fknii^#(JER)#

bf#1.#GZe[cZak#2010#z#[^`� glmb`m#]nk\a#^bg^#]^nmeb\a^#Jhgcngd-

mnk^kaheng`#z#bak#Dk`^[gbl#]nk\a#lmZkd^l#Uhenf^glpZ\almnf,#

#Jhlm^g]blsbiebg#ng]#^bg^#p^bm^k^#U^k[^ll^kng`#]^k#Jk^]bmjnZebm� m.#

Fe^b\as^bmb`#dhggm^#]b^#Fknii^#bak^#lheb]^#JZibmZeZnllmZmmng`,#

#Q^_bgZgsb^kng`#ng]#Kbjnb]bm� mlihlbmbhg#Zn_k^\am^kaZem^g.#

XZi"#Jk^]b,#]b^#GZnim[^m^beb`ng`#]^k#JER,#lm^b`^km^#]^g#dhglheb]b^k-

m^g#O^kbh]^g� [^kl\anll#`^`^g� [^k#]^f#UhkcZak#nf#26&#Zn_#

1.171#Lbh#S� kdbl\a^#KbkZ.#Cb^#Db`^gdZibmZek^g]bm^#^kk^b\am^#28&#

(1.#Gc.#2009;#27&).#V^bm^kabg#lmkbdm^l#Jhlm^gfZgZ`^f^gm#_� akm^#

sn#^bg^k#Bhlm / Hg\hf^-QZmbh#ohg#40&.#CZl#U^ka� emgbl#ohg#Jk^]bm^g#

sn#DbgeZ`^g#(KhZg/C^ihlbm-QZmbh)#lZgd#Zn_#ngm^k#100&,#]b^#Db`^g-

fbmm^ejnhm^#[^mkn`#Zn_#Fknii^g^[^g^#15,3&.#F^f^ll^g#Zg#]^k#

AbeZgslnff^#blm#XZi"#Jk^]b#]b^#ob^km`k� �m^#OkboZm[Zgd#]^l#KZg]^l.#

Hf#Jk^]bmdZkm^g`^l\a� _m#(LZkdmZgm^be#20,1&),#bf#K^Zlbg`[^k^b\a#

(QZg`#1#fbm#^bg^f#LZkdmZgm^be#ohg#20,5&)#ng]#bf#EZ\mhkbg`#(QZg`#

1#fbm#^bg^f#LZkdmZgm^be#ohg#29,9&)#aZm#]b^#AZgd#c^p^bel#^bg^#_� a-

k^g]^#Rm^eeng`.#

Cb^#A^mkb^[l^kmk� `^#ohg#XZi"#Jk^]b#[^mkn`^g#bf#1.#GZe[cZak#

3.127#Lbh#S� kdbl\a^#KbkZ<#^bg^#Dbg^g`ng`#]^k#YbglliZgg^#(bgl[^-

lhg]^k^#bf#dhff^ksb^ee^g#F^l\a� _m)#pnk]^#]nk\a#^bg^g#lmZkd^g#

YnpZ\al#bf#Okhoblbhgl� [^kl\anll#m^bep^bl^#p^mm`^fZ\am,#]^ll^g#

@gm^be#Zg#]^g#A^mkb^[l^kmk� `^g#Zn_#27&#sngZaf#(1.#Gc.#2009;#

23&).#Hf#U^k`e^b\a#snf#Dg]^#]^l#UhkcZak^l#lm^b`^km^#XZi"#Jk^]b#

]Zl#Jk^]bmohenf^g#nf#21&.#Cb^#YngZaf^#^k_he`m^#ohk#Zee^f#[^b#

Jk^]bm^g#bg#ehdZe^k#V� akng`#(+24&).#Hf#Jk^]bmdZkm^g`^l\a� _m#[^-

aZnim^m^#XZi"#Jk^]b#bak^#_� ak^g]^#Rm^eeng`#Zn\a#]nk\a#lmZkd^l#

VZ\almnf#[^b#g^n^g#Okh]ndm^g#(8&#bf#1.#GZe[cZak,#`^f^ll^g#Zf#

ZnlaZ_m^g]^g#Uhenf^g).#V^bm^kl#^ksb^em^#XZi"#Jk^]b#^bg^#]^nmeb\a^#

Rm^b`^kng`#]^k#DbgeZ`^g#(13&),#ohk#Zee^f#bg#ehdZe^k#V� akng`#

(21&).#Hf#@ll^m#LZgZ`^f^gm#dhggm^#XZi"#Jk^]b#fbm#^bg^f#LZkdm-

Zgm^be#ohg#18&#]^g#sp^bm^g#QZg`#[^aZnim^g.#

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

,+6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

Hf#2.#PnZkmZe#l^msm^#lb\a#]b^#lmZkd^#U^k[^ll^kng`#]^k#Jk^]bmjnZebm� m#

fbm#^bg^f#`^kbg`^k^g#@glmb^`#]^k#Znl_Zeel`^_� ak]^m^g#Jk^]bm^#(Mhg-

i^k_hkfbg`#KhZgl,#MOK),#p^bm^k#aha^g#Q� \d_e� ll^g#Znl#Okh[e^f-

dk^]bm^g#ng]#fbm#^bg^f#MOK-U^kdZn_#_hkm.#Hf#Ingb#2010#_bgZeblb^km^#

]b^#AZgd#]^g#U^kdZn_#^bg^l#Ohkm_hebhl#Zg#Znl_Zeel`^_� ak]^m^g#Ebk-

f^gdk^]bm^g#bg#]^k#G� a^#ohg#299#Lbh#S� kd.#KbkZ.#@n_`kng]#^bg^k#

ihlbmbo^g#Dgmpb\deng`#]^k#Jk^]bmjnZebm� m#ng]#]^l#MOK-U^kdZn_l#lZgd#

]b^#MOK-Pnhm^#[^b#XZi"#Jk^]b#Zn_#4,1&#(ohg#6,3&#Dg]^#2009).

Hf#1.#GZe[cZak#2010#[Znm^#]b^#AZgd#bak#EbebZeg^ms#fbm#9#g^n^g#F^-

l\a� _mllm^ee^g#Zn_#f^ak#Zel#845#EbebZe^g#Znl.#Hf#eZn_^g]^g#IZak#

ieZgm#XZi"#Jk^]b#]b^#Dk� __gng`#ohg#60#g^n^g#EbebZe^g.#@em^kgZmbo^#

U^kmkb^[ldZg� e^#pZk^g#Zn\a#bg#]^g#^klm^g#l^\al#LhgZm^g#^bg#

R\ap^kingdm.#Hf#Ingb#2010#_� akm^#XZi"#Jk^]b#Zel#^klm^#AZgd#bg#]^k#

S� kd^b#R^e[lm[^]b^gng`lm^kfbgZel#fbm#SZlmZmnk#^bg.#Lbm#]b^l^g#

g^n^g#F^k� m^g#d� gg^g#Jng]^g#]^k#AZgd#DbgeZ`^g#ng]#F^e]� [^k-

p^blng`^g#m� mb`^g.#V^bm^kl#^k� __g^m^#]b^#AZgd#^bg#sp^bm^l#BZee#B^g-

m^k.#O^k#Ingb#2010#[b^m^m#XZi"#Jk^]b#bak^g#Jng]^g#bg#]^k#S� kd^b#]Zl#

ob^km`k� �m^#EbebZeg^ms#(LZkdmZgm^be;#9,3&)#lhpb^#]Zl#_� g_m`k� �m^#M^ms#

Zg#R^e[lm[^]b^gng`lm^kfbgZel#fbm#� [^k#2.350#F^k� m^g#(LZkdmZgm^be;#

9,3&).#E� k#bak^#Hgm^kg^m-EbebZe^#ng]#bak#BZee#B^gm^k#^kab^em#]b^#AZgd#

@nls^b\agng`^g.

"#Hg#Ifdd]R_U#aZm#]b^#Y^gmkZe[Zgd#]b^#Q^`^eg#_� k#Db`^gfbmm^e^k_hk-

]^kgbll^#ng]#]b^#Jhgmkhee^#]^k#A^kb\am^klmZmmng`#]^k#EbgZgsbglmbmnm^#

o^kl\a� k_m.#Hf#F^_he`^#]b^l^k#LZ�gZaf^g#pbk]#lb\a#]^k#Jhglheb]b^-

kng`likhs^ll#Zn_#]^f#knllbl\a^g#AZgd^gfZkdm#ohkZnllb\ameb\a#_hkm-

l^ms^g.#LZg#k^\ag^m#]Zfbm,#]Zll#lb\a#]b^#@gsZae#]^k#AZgd^g#[bl#

Dg]^#]^l#eZn_^g]^g#IZak^l#nf#60#[bl#70#o^kkbg`^kg#pbk].#

Cb^#Y@N#TgbBk^]bm#AZgd#s� aem#sn#]^g#_� ak^g]^g#knllbl\a^g#Tgbo^k-

lZe[Zgd^g#ng]#[b^m^m#OkboZm-#ng]#F^l\a� _mldng]^g,#`^ah[^g^g#

#OkboZmdng]^g,#Ebkf^g#ng]#bglmbmnmbhg^ee^g#Jng]^g#� [^k#^bg#Znl`^-

]^agm^l#EbebZeg^ms#lhpb^#sng^af^g]#Zn\a#� [^k#Zem^kgZmbo^#U^kmkb^[l-

dZg� e^#^bg^#nf_Zll^g]^#Okh]ndmiZe^mm^#Zg.#Lbm#^bg^f#LZkdmZgm^be#

ohg#1,85&#(i^k#1.#Ingb#2010)#blm#]b^#Y@N#TgbBk^]bm#AZgd#]b^#

`k� �m^#@nleZg]l[Zgd#bg#QnlleZg]#ng]#kZg`b^km#`^f^ll^g#Zg#]^k#

#AbeZgslnff^#Zg#Z\am^k#Rm^ee^.#CZl#Rm^ee^gg^ms#]^k#AZgd#nf_Zllm#

]^ks^bm#105#EbebZe^g#bg#QnlleZg]#ng]#^bg^#Q^ik� l^gmZgs#bg#Lbgld,#

V^b�knlleZg].#Cb^#AZgd#[^mk^nm#kng]#785.000#OkboZm-#ng]#F^-

l\a� _mldng]^g#lhpb^#5.200#Ebkf^gdng]^g.

Hf#1.#GZe[cZak#2010#^ksb^em^#]b^#AZgd#^bg^g#O^kbh]^g� [^kl\anll#bg#

G� a^#ohg#3,5#Lk]#Qn[^e#ng]#� [^kmkZ_#]Zfbm#]^g#U^k`e^b\alp^km#]^l#

UhkcZak^l#nf#_Zlm#11&.#Cb^l^l#Dk`^[gbl#lib^`^em#ohk#Zee^f#^bg^g#

Q� \d`Zg`#]^k#Qblbdhdhlm^g#pb]^k,#]^k#^bg^g#]nk\a#Lbg]^k^kmk� `^#bf#

GZg]^el[^k^b\a#o^knklZ\am^g#Q� \d`Zg`#]^k#A^mkb^[l^kmk� `^#� [^k-

dhfi^glb^km^.#M^[^g#lmkbdm^f#Jhlm^gfZgZ`^f^gm#ng]#^bg^k#U^k-

[^ll^kng`#]^k#Jk^]bmjnZebm� m#dhgs^gmkb^km^#lb\a#]b^#AZgd#bg#]^g#^kl-

m^g#l^\al#LhgZm^g#Zn_#]b^#Nimbfb^kng`#]^k#AbeZgslmkndmnk.#Tgm^k#

Zg]^k^f#mkn`#]b^l#p^l^gmeb\a#sn#^bg^f#@glmb^`#]^l#Ybgl� [^kl\anl-

l^l#`^`^g� [^k#]^f#UhkcZak#nf#35&#[^b.#Cb^#Okhoblbhgl^kmk� `^#

lmb^`^g#`^`^g� [^k#]^f#1.#GZe[cZak#]^l#UhkcZak^l#nf#� [^k#3&,#

ph[^b#]Zl#C^obl^g`^l\a� _m#^ka^[eb\a^#A^bmk� `^#eb^_^km^.#Tf_Zl-

l^g]^#LZ�gZaf^g#snk#Jhlm^g^bg]� ffng`#s^b`m^g#Vbkdng`;#

@n_`kng]#^bg^k#_eZ\a^g#Jhlm^g^gmpb\deng`#p^blm#]b^#AZgd#^bg#

a^kohkkZ`^g]^l#Bhlm / Hg\hf^-QZmbh#ohg#ngm^k#37&#Znl.#C^k#

Jk^]bmkblbdhZn_pZg]#[eb^[#nf#37&#ngm^k#]^f#UhkcZak^lgbo^Zn<#

[^lhg]^kl#bf#1.#PnZkmZe#o^ks^b\ag^m^#]b^#AZgd#aha^#Q� \d_e� ll^#

Znl#Jk^]bm^g,#]b^#^bg^#@n_e� lng`#]^k#]b^l[^s� `eb\a^g#V^km[^-

kb\amb`ng`^g#^kf� `eb\am^g.

"#Hg#^bg^f#bff^k#gh\a#ohg#Q^s^llbhg#`^ik� `m^g#pbkml\aZ_meb-

\a^g#Tf_^e]#[^aZnim^m^#]b^#YZ`k^[Z!dZ#[ZgdZ#Fknii^#(Y@A@)#

bg#Bc`ReZV_#bak^#_� ak^g]^#LZkdmlm^eeng`#bf#1.#GZe[cZak#2010#

ng]#[Znm^#bak#F^l\a� _mlohenf^g#lm^mb`#p^bm^k#Znl.#C^k#@glmb^`#

]^l#Ybgl� [^kl\anll^l#nf#� [^k#12&#`^`^g� [^k#]^f#U^k-

`e^b\als^bmkZnf#]^l#UhkcZak^l#blm#aZniml� \aeb\a#Zn_#`^kbg`^k^#

YbglZn_p^g]ng`^g#snk� \dsn_� ak^g#(R^gdng`#]^k#Ybgll� ms^#_� k#

DbgeZ`^g#ng]#bgl`^lZfm#`^kbg`^k^#Q^_bgZgsb^kng`ldhlm^g).#Cb^#

YngZaf^#]^l#Okhoblbhgl� [^kl\anll^l#nf#7&#pnk]^#ohk#Zee^f#

ohg#Dkmk� `^g#Znl#Hgo^lmf^gm-#ng]#F^e]fZkdm_hg]l#lhpb^#ohg#

Jk^]bmikhoblbhg^g#`^mkZ`^g.#CZl#A^mkb^[l^k`^[gbl#l\ap� \am^#

lb\a#bf#1.#GZe[cZak#2010#`^`^g� [^k#]^f#UhkcZak#nf#6.6&#Zn_#

984#Lbh#JngZ#Z[<#]^k#Q� \d`Zg`#pZk#`kh�m^bel#Zn_#]Zl#lmZkd#`^-

_Zee^g^#GZg]^el^k`^[gbl#(z79&#`^`^g� [^k#1.#Gc.#2009)#snk� \d-

sn_� ak^g,#bg#]^f#`^kbg`^#LZkdmebjnb]bm� m,#lmZ[be^#V^\al^ednkl^#

ng]#^bg#gb^]kb`^k^l#JngZ-Ybglnf_^e]#bak^g#Mb^]^kl\aeZ`#_Zg]^g.#

Hf#2.#PnZkmZe#2010#lmb^`^g#]b^#A^mkb^[lZn_p^g]ng`^g#Zn_`kng]#

ohg#LZkd^mbg`dZfiZ`g^g#ng]#Okhc^dm^g#snk#D__bsb^gslm^b`^kng`#

bf#U^k`e^b\a#snf#1.#PnZkmZe#Zg,#ng]#]Zfbm#dZf#^l#Zn\a#bf##

1.#GZe[cZak#sn#^bg^k#`^kbg`^g#YngZaf^#]^k#A^mkb^[lZn_p^g]ng-

`^g#nf#2,9&#`^`^g� [^k#]^f#UhkcZak^lp^km.#@n_`kng]#]^l#

lmZkd#`^lmb^`^g^g#Jk^]bmkblbdhZn_pZg]l,#bg#]^f#ng`� glmb`^#

LZkdm[^]bg`ng`^g#ng]#^bg^#nflb\amb`^#Uhklhk`^ihebmbd#snf#

@nl]kn\d#dhff^g,#gZaf#]^k#O^kbh]^g� [^kl\anll#nf#36&#Z[.#

Cb^#YZ`k^[Z!dZ#[ZgdZ#a� em#Zn_#]^f#dkhZmbl\a^g#AZgd^gfZkdm#

_� k#OkboZm-#ng]#F^l\a� _mldng]^g#lhpb^#bf#OkboZm^#AZgdbg`#]b^#

_� ak^g]^#Rm^eeng`.#Cb^#AZgd#dhggm^#bak^#LZkdmZgm^be^#bf#U^keZn_#

]^l#1.#GZe[cZak^l#2010#p^bm^k#lm^b`^kg,#ng]#spZk#Zn_#24,6&#

(Jk^]bm^)#[sp.#25,8&#(DbgeZ`^g)#bf#Q^mZbe-F^l\a� _m#ng]#25,7&#

[sp.#31,3&#bf#Ebkf^gdng]^g`^l\a� _m.#24&#]^k#Je^bg-#ng]#

Lbmm^e[^mkb^[^#bg#JkhZmb^g#lbg]#Jng]^g#]^k#AZgd.#

Uhg#IZak^l^g]^#2009#[bl#Dg]^#Ingb#2010#lmb^`#]Zl#Jk^]bmohen-

f^g#bf#OkboZm-#ng]#F^l\a� _mldng]^g[^k^b\a#nf#1,2&#Zn_#

4,4#Lk]#u#DbgeZ`^g#]b^l^k#Jng]^g`knii^#gZaf^g#nf#2,6&#Zn_#

4,8#Lk]#u#sn,#]Zkngm^k#S kfbg^bgeZ`^g#nf#3,5&.#Hf#F^l\a� _m#

fbm#OkboZmdng]^g#o^ks^b\ag^m^#]b^#AZgd#bf#1.#GZe[cZak#[^b#Jk^-

]bm^g#_� k#Vhagng`lsp^\d^#bf#UhkcZak^lo^k`e^b\a#^bg^g#@glmb^`#

nf#8,9&#ng]#dZf#]Zfbm#Zn_#^bg^g#l^ak#aha^g#LZkdmZgm^be#ohg#

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

,,6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

31,6&#bg#]b^l^f#A^k^b\a.#Hf#@ikbe#^k_he`m^#]b^#LZkdm^bg_� akng`#

ohg#vFk^^g#KhZgly,#fbm#]^g^g#]b^#AZgd#]^g#AZn#ng]#JZn_#ohg#

Hffh[beb^g#ngm^klm� msm,#]b^#aha^#Dg^k`b^^__bsb^gs#Zn_p^bl^g.##

Hf#LZb#2010#_� akm^#]b^#YZ`k^[Z!dZ#[ZgdZ#z#Zel#^klm^#AZgd#bg#

JkhZmb^g#ng]#Zn\a#Zel#^klm^#AZgd#bgg^kaZe[#]^k#TgbBk^]bm#Fkhni#z#

Lh[be^-AZgdbg`-@iiebdZmbhg^g#_� k#]Zl#bOahg^#^bg#(f-sZ[Z#_� k#

#OkboZm-#ng]#Ebkf^gdng]^g).#Hf#F^l\a� _mldng]^g[^k^b\a#s^b`m^g#

lb\a#`^`^g#Dg]^#]^l#1.#PnZkmZel#^klm^#@gs^b\a^g#^bg^k#A^e^[ng`.#

� [^k#Jk^]bmkZaf^g#ohg#LHF@#ng]#DAQC#lmZg]^g#`� glmb`^#Q^_b-

gZgsb^kng`lfbmm^e#snk#U^k_� `ng`.

Cb^#YZ`k^[Z!dZ#[ZgdZ#ngm^klmkb\a#bf#1.#GZe[cZak#2010#bak^#Rm^e-

eng`#Zel#_� ak^g]^#AZgd#_� k#Ebkf^gdng]^g#Zn_#]^f#dkhZmbl\a^g#

LZkdm.#Ebkf^gdng]^gdk^]bm^#lmb^`^g#ohg#4,1#Lk]#u#snf#IZak^l-

^g]^#2009#Zn_#4,6#Lk]#u#i^k#Dg]^#Ingb#2010.#Cb^#AZgd#lm� kdm^#

bg#]^g#^klm^g#l^\al#LhgZm^g#Zn\a#bak^#_� ak^g]^#Ohlbmbhg#[^b#Hg-

o^lmf^gm-AZgdbg`-Cb^glme^blmng`^g;#Rb^#_ng`b^km^#Zel#Ihbgm#K^Z]#

@`^gm#ng]#Tg]^kpkbm^k#_� k#RmZZmlZge^ba^g#fbm#^bg^f#Uhenf^g#ohg#

1,69#Lk]#u,#Zel#@`^gm#_� k#Tgm^kg^af^glZge^ba^g,#Zel#Ihbgm#K^Z]#

@`^gm#_� k#Bhff^k\bZe#OZi^k-Dfbllbhg^g#fbm#^bg^f#Uhenf^g#ohg#

� [^k#20#Lbh#u#lhpb^#Zel#@kkZg`^nk#`kh�ohenfb`^k#lrg]bsb^km^k#

Jk^]bm^,#]Zkngm^k#_� k#]b^#Q^in[ebd#JkhZmb^g#bg#]^k#G� a^#ohg#bgl`^-

lZfm#1,26#Lk]#u.#Hf#A^k^b\a#BhkihkZm^#EbgZg\^#_ng`b^km^#]b^#

AZgd#bf#1.#GZe[cZak#2010#Zel#A^kZm^k#_� ak^g]^k#ehdZe^k#Tgm^k-

g^af^g#Zn_#U^kd� n_^k-#ng]#J� n_^kl^bm^.#CZl#C^obl^g`^l\a� _ml-

ohenf^g#ohg#BhkihkZm^#Sk^Zlnkr#RZe^l#lmb^`#`^`^g� [^k#]^f#U^k-

`e^b\als^bmkZnf#]^l#UhkcZak^l#nf#16&<#fZ�`^[eb\a#]Z_� k#pZk#^bg^#

SkZglZdmbhg#� [^k#100#Lbh#u#fbm#^bg^f#Tgm^kg^af^g#Znl#]^f#RmkZ-

�^gbg_kZlmkndmnk[^k^b\a.#

"#Cb^#TgbBk^]bm#AZgd#9kVTY!IVafS]ZT#pZk#bf#2.#PnZkmZe#mkhms#]^k#

p^bm^kabg#l\apb^kb`^g#Vbkml\aZ_mleZ`^#l^ak#^k_he`k^b\a.#N[phae#]^k#

AZgd^gl^dmhk#bg#]^k#Sl\a^\abl\a^g#Q^in[ebd#[^bf#F^l\a� _mlohen-

f^g#gnk#`^kbg`^l#VZ\almnf#o^ks^b\ag^m^,#dhggm^#]b^#AZgd#bak^#A^-

mkb^[l^kmk� `^#bf#PnZkmZelo^keZn_#(sn#dhglmZgm^g#V^\al^ednkl^g)#nf#

7,8&#lm^b`^kg.#LZ�`^[eb\a#_� k#]^g#@glmb^`#pZk#]^k#Okhoblbhgl� [^k-

l\anll,#bgl[^lhg]^k^#F^[� ak^g#ng]#Okhoblbhg^g#bf#YZaeng`lo^k-

d^ak,#bf#C^obl^g`^l\a� _m#ng]#bf#Jng]^g`^l\a� _m#fbm#C^kboZm^g.#

Cb^l#blm#Zn\a#^bg#Hg]bdZmhk#_� k#]b^#Dkaheng`#]^k#ml\a^\abl\a^g#Vbkm-

l\aZ_m.#Cb^#AZgd#aZm#]b^#Jhlm^g#ohee#bf#Fkb__,#ng]#Zn\a#]^k#Jk^]bm-

kblbdhZn_pZg]#eZ`#mkhms#^bg^l#@glmb^`l#(sn#dhglmZgm^g#V^\al^ednk-

l^g)#ohf#1.#snf#2.#PnZkmZe#2010#nf#31,4&#]^nmeb\a#ngm^k#OeZg.#

Rhfbm#� [^kmkZ_#]^k#O^kbh]^g� [^kl\anll#_� k#]Zl#2.#PnZkmZe#]^g#V^km#

_� k#]Zl#1.#PnZkmZe#nf#9,7&#ng]#pZk#6,5&#a� a^k#Zel#bf#U^k`e^b\al-

jnZkmZe#]^l#UhkcZak^l#(c^p^bel#sn#dhglmZgm^g#V^\al^ednkl^g).##

Hf#2.#PnZkmZe#2010#mkZ_#]b^#AZgd#p^bm^k^#Uhk[^k^bmng`^g#snk#Rm� k-

dng`#bak^k#LZkdmlm^eeng`#bf#OkboZmdng]^g`^l\a� _m#]nk\a#EbebZe^qiZg-

lbhg#ng]#Zem^kgZmbo^#U^kmkb^[ldZg� e^.#

"#CZl#Dk`^[gbl#]^k#L_Z9cVUZe!8R_\!J]`gR\ZR#pZk#p^bm^kabg#

ohf#Mb^]kb`sbglnf_^e]#bf#Dnkh`^[b^m#[^^bg_enllm,#pZl#lb\a#bg#]^g#

LZk`^g#Zn_#]^k#DbgeZ`^gl^bm^#ng]#bf#GZg]^el^k`^[gbl#[^f^kd[Zk#

3LD?;>

1GEE@6B9

/DC6F>;B

3E8=;8=>;B

-G@<6D>;B

4B<6DB

1GAKB>;B

2;D7>;B

2@CH;B>;B

-CEB>;B

2@CH6?;>

4?D6>B;

-6@F>?GA

/6E68=EF6B

$-640-*5-4.-*205"72,"&4.-*205"834"'6-7-42",-4"%&&#(3+/6-4*)21-2"#0>C"M$

)4.5+709.6"&5/.,206"'$"%#$#

&5/.,206"935"*7.8.52"'$"%#$#

(5.-07506013

I)+' I)'' I(+' I('' I+' ' +' ('' (+' )'' )+' *'' *+'

%$

%$"/6E68=EF6B"#;>BE8=@>;J@>8=".6D6BF>;"9;D"-6B?",GEFD>6&"5>;B$

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

,-6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

fZ\am^.#Hf#2.#PnZkmZe#2010#pZk^g#c^]h\a#fbm#^bg^k#U^k[^ll^kng`#

]^l#Ybgl� [^kl\anll^l#ng]#Zn\a#]^k#Okhoblbhgl^kmk� `^#`^`^g� [^k#

]^f#1.#PnZkmZe#ihlbmbo^#Dgmpb\deng`^g#sn#o^ks^b\ag^g.#Hg#]^g#

# klm^g#l^\al#LhgZm^g#2010#eZ`^g#bgl[^lhg]^k^#]b^#Ybgl^kmk� `^#

Znl#]^f#Jk^]bm`^l\a� _m#� [^k#]^f#U^k`e^b\alp^km#]^l#UhkcZak^l.#

Rhphae#bf#OkboZmdng]^g[^k^b\a#Zel#Zn\a#bf#Ebkf^gdng]^g`^-

l\a� _m#pbk]#ab^k#p^bm^k^l#VZ\almnf#^kpZkm^m.#Hf#U^k`e^b\a#snf#

31.#C^s^f[^k#2009#dhggm^#]b^#AZgd#Zn\a#bak^#LZkdmZgm^be^#bf#

Jk^]bm-#ng]#DbgeZ`^g`^l\a� _m#o^k[^ll^kg.#Lbm#]^k#p^bm^k^g#Tf-

l^msng`#ohg#LZ�gZaf^g#snk#Jhlm^g^bg]� ffng`#l^gdm^#]b^#AZgd#

]b^#A^mkb^[lZn_p^g]ng`^g#ngm^k#]Zl#Mbo^Zn#]^l#U^k`e^b\als^bm-

kZnfl#bf#UhkcZak#ng]#dhggm^#Zn\a#bf#PnZkmZelo^keZn_#^bg^#Q^]nd-

mbhg#^ksb^e^g.

"#Hg#Tg`Zkg#[eb^[#]b^#dhgcngdmnk^ee^#V^g]^#spZk#gh\a#Znl,#Z[^k#

]^ggh\a#o^ks^b\ag^m^#]b^#L_Z9cVUZe!8R_\!?f_XRcj#^bg^#lmZ[be^#

DkmkZ`leZ`^#ng]#Q^gmZ[bebm� m.#Cb^#AZgd#dhggm^#]b^#A^mkb^[l^kmk� `^#

`^`^g� [^k#]^f#1.#GZe[cZak#]^l#UhkcZak^l#lm^b`^kg,#ng]#]Zl#Dk-

`^[gbl#pnk]^#Zn\a#]nk\a#lmkbdm^l#Jhlm^gfZgZ`^f^gm#ng]#^__bsb-

^gm^#@k[^bmlZ[e� n_^#ngm^klm� msm.#E� k#]Zl#DkmkZ`lpZ\almnf#ohg#4&#

`^`^g� [^k#]^f#UhkcZak#pZk#ohk#Zee^f#]^k#aha^#Ybgl� [^kl\anll#

fZ�`^[eb\a.#Cb^#AZgd#aZm#]b^#O^klhgZe-#ng]#RZ\adhlm^g#ohee#bf#

Fkb__#ng]#s� aem#fbm#^bg^k#a^kohkkZ`^g]^g#Bhlm / Hg\hf^-QZmbh#ohg#

42,8&#sn#]^g#dhlm^g^__bsb^gm^lm^g#AZgd^g#bg#Tg`Zkg.#Cb^#Qblbdh-

dhlm^g#eZ`^g#spZk#bff^k#gh\a#� [^k#]^g#V^km^g#]^k#Uhki^kbh]^g,#

ab^em^g#lb\a#Z[^k#bf#QZaf^g#]^k#DkpZkmng`^g<#^bg#R\ap^kingdm#

pZk#]b^#Tfl\ane]ng`#ng]#M^no^kaZg]eng`#ohg#Okh[e^fdk^]bm^g.#

Rhfbm#lmb^`#Zn\a#]Zl#Dk`^[gbl#ohk#Rm^n^kg#`^`^g� [^k#]^f#UhkcZak#

nf#5,5&.#A^b#bff^k#gh\a#o^kaZem^g^k#Jk^]bmgZ\a_kZ`^#lZgd#]b^#

AbeZgslnff^#nf#5,4&,#h[phae#EbgZgsbgo^lmf^gml#ng]#Ehk]^kng-

`^g#Zg#Jk^]bmbglmbmnm^#lmb^`^g.#Cb^#Jng]^g^bgeZ`^g#gZaf^g#bf#

U^k`e^b\a#snf#1.#GZe[cZak#]^l#UhkcZak^l#nf#7,2&#Z[<#GZnim`kng]#

]Z_� k#pZk#]b^#Q� \dsZaeng`#^bg^k#aha^g#DbgeZ`^#^bg^l#Znle� g]b-

l\a^g#Ebkf^gdng]^g,#ph[^b#]^k#Q� \d`Zg`#]nk\a#]b^#DbgeZ`^g-

^gmpb\deng`#bf#Q^mZbe[^k^b\a#m^bep^bl^#dhfi^glb^km#pnk]^.#Hg#]^k#

Ehe`^#lmb^`#]Zl#U^ka� emgbl#ohg#Jk^]bm^g#sn#DbgeZ`^g#Zn_#110&,#

[eb^[#Z[^k#p^bm#ngm^k#]^f#AkZg\a^g]nk\al\agbmm#ohg#140&.##

Cb^#@ll^ml#ng]^k#LZgZ`^f^gm#lmb^`^g#Zn_`kng]#lm^mb`^k#M^mmhsn-

_e� ll^#ng]#`nm^k#Ehg]li^k_hkfZg\^#nf#79&#Zn_#^bg^g#[bla^kb`^g#

G� \almlmZg].#

"#Hf#2.#PnZkmZe#2010#lm^b`^km^#]b^#L_Z9cVUZe!8R_\R!J]`gV_ZR#

bak^#A^mkb^[l^kmk� `^#`^`^g� [^k#]^f#UhkjnZkmZe#nf#0,5#Lbh#u#Zn_#

bgl`^lZfm#17,1#Lbh#u,#h[phae#]Zl#GZg]^el^k`^[gbl#Zn_`kng]#]^l#

LZkdmnf_^e]l#g^`Zmbo#pZk.#C^k#DkmkZ`lsnpZ\al#k^lnemb^km^#aZnim-

l� \aeb\a#Znl#]^f#Okhoblbhgl� [^kl\anll#(+1,6#Lbh#u#bf#U^k`e^b\a#

snf#1.#PnZkmZe)#lhpb^#Znl#]^f#p^bm^kabg#aha^g#Ybgl� [^kl\anll#

(+0,8#Lbh#u#`^`^g� [^k#]^f#1.#PnZkmZe).#C^k#Jk^]bmkblbdhZn_pZg]#

bf#2.#PnZkmZe#[^mkn`#3,8#Lbh#u#ng]#[eb^[#]Zfbm#Zn_#]^f#Mbo^Zn#

]^l#UhkjnZkmZel.#CZl#Dk`^[gbl#ohk#Rm^n^kg#^kk^b\am^#bf#1.#GZe[cZak#

2010#8,1#Lbh#u,#phfbm#^l#lb\a#`^`^g� [^k#]^k#U^k`e^b\ali^kbh]^#

]^l#UhkcZak^l#f^ak#Zel#o^k]k^b_Z\am^.#

"#Hg#8`d_ZV_!f_U!?VckVX`hZ_R#s� aem#TgbBk^]bm#fbm#]^k##

TgbBk^]bm#].].,#LhlmZk,#ng]#]^k#TgbBk^]bm#Z.].,#AZgcZ#KndZ,#sn#]^g#

_� ak^g]^g#AZgd^g`knii^g.#� [^k#^bg#F^l\a� _mllm^ee^gg^ms#ohg#142#

EbebZe^g#[^mk^n^g#]b^#[^b]^g#AZgd^g#f^ak#Zel#^bg^#Lbeebhg#Jng]^g.#

Hf#ZgaZem^g]#l\apb^kb`^g#pbkml\aZ_meb\a^g#Tf_^e]#lmb^`^g#]b^#A^-

mkb^[l^kmk� `^#`^`^g� [^k#]^f#UhkcZak#nf#3&#ng]#]b^#A^mkb^[lZn_-

p^g]ng`^g#pnk]^g#nf#4&#o^kkbg`^km.#CZkZnl#^k`b[m#lb\a#^bg^#

]^nmeb\a^#Rm^b`^kng`#]^l#A^mkb^[l^k`^[gbll^l#bf#1.#GZe[cZak#2010#

nf#23&#`^`^g� [^k#]^f#U^k`e^b\alp^km#]^l#UhkcZak^l.#LZ�`^[eb\a#

_� k#]b^l^#U^k[^ll^kng`#pZk^g#^bg#a� a^k^k#� [^kl\anll#]^k#sbglng-

Z[a� g`b`^g#Dkmk� `^,#^k_he`k^b\a^l#YbglliZgg^gfZgZ`^f^gm#ng]#

Jhlm^gl^gdng`^g.#C^k#OkboZmdng]^g[^k^b\a#^ksb^em^#bg#]^g#^klm^g#

l^\al#LhgZm^g#^bg^#Dk`^[gblo^k[^ll^kng`#ng]#^gmpb\d^em#]^ks^bm#

g^n^#Okh]ndm^#ng]#Cb^glme^blmng`^g.#Hf#Ebkf^gdng]^g`^l\a� _m#eb^`m#

]^k#R\ap^kingdm#Zn_#^bg^k#VZ\almnfllmkZm^`b^,#bg#]^k^g#QZaf^g#

Zn_#]b^#EbgZgsb^kng`l[^]� k_gbll^#Zee^k#p^l^gmeb\a^g#AkZg\a^g#^bg-

`^`Zg`^g#pbk].#

"#Cb^#L_Z9cVUZe!8R_\!JVcSZR#gZaf#i^k#L� ks#2010#Zn_#]^f#l^k-

[bl\a^g#AZgd^gfZkdm#]^g#ob^km^g#QZg`#^bg#ng]#^kk^b\am^#`^f^ll^g#

Zg#]^k#AbeZgslnff^#^bg^g#LZkdmZgm^be#ohg#6,9&.#Hf#UhkcZak^lo^k-

`e^b\a#lm^b`^km^#]b^#AZgd#]Zl#Dk`^[gbl#nf#29&,#phfbm#lb^#]b^#

pb\amb`lm^g#Dk_he`ld^ggsZae^g#o^k[^ll^km^#ng]#]b^#F^lZfmfZkdm-

k^gmZ[bebm� m#� [^kmkZ_.#A^b#DbgeZ`^g#ohg#Ebkf^gdng]^g#o^ks^b\ag^m^#

]b^#AZgd#bf#^klm^g#GZe[cZak#2010#^bg^g#LZkdmZgm^belsnpZ\al.##

@n\a#bf#R^`f^gm#OkboZm-#ng]#F^l\a� _mldng]^g#lmb^`^g#l^bm#IZak^l-

[^`bgg#]b^#LZkdmZgm^be^#[^b#DbgeZ`^g#ng]#Jk^]bm^g.#Cb^#AZgd#[^m^b-

eb`m^#lb\a#Zf#lmZZmeb\a^g#E� k]^kikh`kZff#_� k#Vhagng`ldk^]bm^#

lhpb^#Jk^]bm^#_� k#OkboZm-#ng]#F^l\a� _mldng]^g.#

"#Hg#Qnf� gb^g#pZk^g#]b^#pbkml\aZ_meb\a^g#QZaf^g[^]bg`ng`^g#

ohg#lmZ`gb^k^g]^g#Hgo^lmbmbhg^g#ng]#l\apZ\a^f#OkboZmdhglnf#`^-

ik� `m.#Cb^#L_Z9cVUZe!KZcZRT!8R_\#o^ks^b\ag^m^#bf#2.#PnZkmZe#2010#

^bg#A^mkb^[l^k`^[gbl#ohg#202#Lbh#K^n#(49#Lbh#u),#]Zl#nf#18&#

� [^k#]^f#V^km#_� k#]Zl#1.#PnZkmZe#eZ`.#Hf#1.#GZe[cZak#2010#^kk^b\am^#

]Zl#A^mkb^[l^k`^[gbl#373#Lbh#K^n#(90#Lbh#u).#Cb^#AbeZgslnff^#

lmb^`#i^k#Dg]^#Ingb#2010#`^`^g� [^k#]^f#UhkcZak#nf#5&#Zn_#

20,5#Lk]#K^n#(4,7#Lk]#u).#CZl#Jk^]bmohenf^g#gZaf#bf#UhkcZak^l-

o^k`e^b\a#nf#11&#sn#ng]#� [^kmkZ_#]Zfbm#]Zl#VZ\almnf#]^l#F^-

lZfmfZkdml.#Cb^#A^mkb^[l^kmk� `^#lmb^`^g#bf#1.#GZe[cZak#`^`^g� [^k#

]^f#U^k`e^b\alp^km#]^l#UhkcZak^l#]^nmeb\a#Zg.#Cb^#A^mkb^[lZn_p^g-

]ng`^g#pnk]^g#Zn_#]^f#Mbo^Zn#]^l#UhkcZak^l#`^aZem^g,#phkZnl#

lb\a#^bg^#U^k[^ll^kng`#]^k#Bhlm / Hg\hf^-QZmbh#Zn_#^bg^g#V^km#ohg#

ngm^k#44&#^k`b[m.#Hf#1.#GZe[cZak#lmb^`#]^k#Jk^]bmkblbdhZn_pZg]#Zn_#

197#Lbh#K^nz#^bg^#U^k]hii^eng`#`^`^g� [^k#]^f#UhkcZak<#]b^l^#

A^eZlmng`#pZk#Z[^k#]nk\a#]Zl#A^mkb^[l^k`^[gbl#[^b#p^bm^f#`^]^\dm.#

@nl_Zeel`^_� ak]^m^#Jk^]bm^#(MOKl)#[^mkn`^g#8,6&#]^l#Jng]^gdk^]bm-

ohenf^gl#bg#]^k#AbeZgs,#]b^#C^\dng`ljnhm^#`^f^ll^g#Zf#Jk^]bmoh-

enf^g#^kk^b\am^#6,1&.#C^k#O^kbh]^g� [^kl\anll#bf#sp^bm^g#PnZkmZe#

2010#� [^kmkZ_#]^g#V^km#]^l#UhkjnZkmZel#nf#31&<#bf#1.#GZe[cZak#

eZ`#]^k#O^kbh]^g� [^kl\anll#Zn_`kng]#]^l#a� a^k^g#Jk^]bmkblbdhZn_-

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

,.6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

pZg]l#nf#18&#ngm^k#]^f#UhkcZak^l^k`^[gbl.#Cb^#Db`^gdZibmZek^g-

]bm^#(QND)#^kk^b\am^#13&,#]b^#F^lZfmdZibmZek^g]bm^#(QN@)#1,5&<#

fbm#]b^l^g#Q^gmZ[bebm� mld^ggsZae^g#gbffm#]b^#TgbBk^]bm#SbkbZ\#AZgd#

Zn_#]^f#knf� gbl\a^g#AZgd^gfZkdm#^bg^g#Ribms^gieZms#^bg.#O^k#

Dg]^#]^l#A^kb\amls^bmkZnfl#pb^l#]b^#AZgd#^bg^#lheb]^#Db`^gfbmm^e-

jnhm^#ohg#dgZii#13&#Znl.#

N[phae#]b^#Q^s^llbhg#gh\a#Zg]Zn^km,#gZaf^g#]b^#A^mkb^[l^kmk� `^#

bf#Ebkf^gdng]^g`^l\a� _m#bf#1.#GZe[cZak#`^`^g� [^k#]^f#UhkcZak#

nf#26&#sn,#ng]#]Zl#Jk^]bmohenf^g#gZaf#bg#]b^l^f#A^k^b\a#p^bm#

lm� kd^k#sn#Zel#]^k#F^lZfmfZkdm.#CZl#DbgeZ`^gohenf^g#ohg#Ebkf^g-

dng]^g#_b^e#ohk#Zee^f#Zn_`kng]#]^k#Q� \dsZaeng`#^bgb`^k#`kh�ohen-

fb`^k#DbgeZ`^g#^mpZl#snk� \d.#Cb^#A^mkb^[l^kmk� `^#bf#A^k^b\a#Okb-

oZm-#ng]#F^l\a� _mldng]^g#lmb^`^g#`^`^g� [^k#]^f#UhkcZak#nf#3&#

([sp.#nf#� [^k#11&#ngm^k#Dbgl\aenll#ohg#TBEbg,#^bg^f#EbgZgs-

]b^glme^blm^k,#]^k#bg#Qnf� gb^g#� [^k#]Zl#EbebZeg^ms#]^k#AZgd#U^k-

[kZn\a^kdk^]bm^#]^k#Fknii^#o^k`b[m).#CZ[^b#gZaf^g#Jk^]bm^#ng]#

DbgeZ`^g#]^f#Sk^g]#bf#F^lZfmfZkdm#_he`^g]#e^b\am#sn.#

"#Cb^#L_Z9cVUZe!8f]SR_\#aZm#fbm#^bg^k#AbeZgslnff^#ohg#

5,7#Lk]#u#bg#Ane`Zkb^g#^bg^#fZkdm_� ak^g]^#Rm^eeng`.#Cb^#Jng]^g-

^bgeZ`^g#gZaf^g#bf#U^k`e^b\a#snf#UhkcZak#nf#4,1&#Zn_#

3,4#Lk]#u#sn<#fZ�`^[eb\a#]Z_� k#pZk#]b^#YngZaf^#]^k#DbgeZ`^g#bf#

OkboZmdng]^gl^`f^gm.#CZl#Aknmmhohenf^g#]^k#Jng]^gdk^]bm^#

s^b`m^#`^`^g� [^k#]^f#UhkcZak#p^gb`#U^k� g]^kng`#ng]#[^mkn`#

4#Lk]#u,#]^k#R\ap^kingdm#eZ`#^kg^nm#Zn_#Grihma^dZkdk^]bm^g.##

CZl#U^ka� emgbl#ohg#Jk^]bm^g#sn#DbgeZ`^g#lZgd#bf#UhkcZak^lo^k`e^b\a#

nf#5,4#Okhs^gmingdm^#Zn_#118&,#phkbg#^bg#C^e^o^kZ`bg`-D__^dm#

snf#@nl]kn\d#dhffm.#Cb^#Db`^gfbmm^ejnhm^#]^k#AZgd#^kk^b\am#fbm#

17,5&#^bg^g#aha^g#V^km.#Hg#^bg^f#l\apb^kb`^g#Tf_^e],#]Zl#ohg#

`^kbg`^f#Jk^]bmpZ\almnf#ng]#LZk`^g]kn\d#Zn_#]^k#Jng]^g-

^bgeZ`^gl^bm^#`^ik� `m#pZk,#[^mkn`^g#]b^#A^mkb^[l^kmk� `^#]^k#AZgd#

146#Lbh#u.#CZgd#Jhlm^g#l^gd^g]^k#LZ�gZaf^g#o^ks^b\ag^m^#]b^#

AZgd#^bg^g#O^kbh]^g� [^kl\anll#ohg#� [^k#45#Lbh#u,#kng]#^bg#Ub^k-

m^e#]^l#Dk`^[gbll^l#bf#`^lZfm^g#AZgd^gl^dmhk.#Cb^l^l#lmZ[be^#

#Dk`^[gbl#^ksb^em^#]b^#TgbBk^]bm#Ane[Zgd#Zn_`kng]#^bg^l#lmZ[be^g#

Okhoblbhgl� [^kl\anll^l,#o^k[^ll^km^k#D__bsb^gs#ng]#^bg^l#ngm^k-

]nk\al\agbmmeb\a^g#Jk^]bmkblbdhZn_pZg]l.

"#Cb^#p^bm^k^#RmZ[beblb^kng`#]^k#pbkml\aZ_meb\a^g#KZ`^#bg#]^k#

#TdkZbg^#bf#2.#PnZkmZe#2010#aZmm^#ihlbmbo^#@nlpbkdng`^g#Zn_#]Zl#

AZgd^glrlm^f#]^l#KZg]^l#bgl`^lZfm#ng]#Zn_#]b^#L\cd`edSR_\!bf#

A^lhg]^k^g.#Cb^#Jng]^g^bgeZ`^g#[^b#]^k#AZgd#lmb^`^g#ohf#1.#snf#

2.#PnZkmZe#nf#14,7&,#ph[^b#]b^#Ebkf^gdng]^g^bgeZ`^g#ikhs^g-

mn^ee#lm� kd^k#sngZaf^g#Zel#]b^#DbgeZ`^g#ohg#OkboZm-#ng]#F^l\a� _ml-

dng]^g.#Cb^#AZgd#dhggm^#bak^g#LZkdmZgm^be#[^b#Ebkf^gdng]^g^bgeZ-

`^g#Zn_#3,5&#o^k[^ll^kg.#Skhms#l\akbmmp^bl^k#R^gdng`#]^k#Ybgl-

l� ms^#Zn_#OkboZmdng]^g^bgeZ`^g#bf#[bla^kb`^g#IZak^lo^keZn_#dhggm^#

]b^#Tdklhml[Zgd#]Zl#DbgeZ`^gohenf^g#nf#10,8&#ng]#]^g#LZkdm-

Zgm^be#[^b#Q^mZbe-DbgeZ`^g#Zn_#3,8&#lm^b`^kg.#Cb^#KhZg /C^ihlbm-#

QZmbh#]^k#AZgd#o^k[^ll^km^#lb\a#Zn_#232&#(z43,2#Okhs^gmingdm^#

bf#PnZkmZelo^keZn_).#Cb^#Tdklhml[Zgd#ab^em#Zg#bak^k#dhgl^koZmbo^g#

#Qblbdhihebmbd#[^b#]^k#Jk^]bmo^k`Z[^#bf#2.#PnZkmZe#_^lm,#pZl#bg#U^k[bg-

]ng`#fbm#]^f#F^lZfmfZkdmmk^g]#sn#^bg^k#@[gZaf^#]^k#Jng]^g-

dk^]bm^#nf#1,5&#_� akm^.#Cb^#U^k[^ll^kng`#]^k#Jk^]bmjnZebm� m#lhpb^#

LZ�gZaf^g#snk#Q^lmkndmnkb^kng`#ng]#snk#Dka� ang`#]^k#Q� \d_e� ll^#

Znl#Okh[e^fdk^]bm^g#pZk^g#^kg^nm#]b^#R\ap^kingdm^#bf#QblbdhfZ-

gZ`^f^gm.#C^k#Jk^]bmkblbdhZn_pZg]#lmb^`#bf#2.#PnZkmZe#fbm#kng]#

560#Lbh#GkrpgcZ#p^bm^k#Zg.#E� k#]b^#Tdklhml[Zgd#lm^am#bf#IZak#

2010#Bkhll-R^eebg`#bf#Uhk]^k`kng];#Hf#2.#PnZkmZe#_� akm^#]b^#Q^mZbe#

Cboblbhg#Bh-AkZg]bg`-Okhc^dm^#]nk\a#ng]#[^`Zgg#fbm#]^f#U^kmkb^[#

dhfie^f^gm� k^k#U^klb\a^kng`likh]ndm^#Zg#Jng]^g#]^k#AZgd<#]b^#

BhkihkZm^#Cboblbhg#^gmpb\d^em^#^bg#himbfb^km^l,#Zn_#[^lm^a^g]^#Jng-

]^g#]^k#AZgd#sn`^l\agbmm^g^l#Okh]ndmdhgs^im#_� k#YZaeng`ldZkm^g#

bf#Ebkf^gdng]^g[^k^b\a.#

"#Hg#BRdRTYdeR_#aZm#lb\a#]b^#`^lZfmpbkml\aZ_meb\a^#KZ`^#]^nmeb\a#

`^[^ll^km,#_� k#2010#pbk]#fbm#^bg^f#k^Ze^g#AHO-VZ\almnf#ohg#5&#

`^`^g� [^k#]^f#UhkcZak#`^k^\ag^m.#CZfbm#s� aem#JZlZ\almZg#sn#]^g#

pZ\almnfllm� kdlm^g#K� g]^kg#]^k#BDD-Q^`bhg.#CZ#Z[^k#]b^#AZgd^g#

l^ak#kblbdh[^pnllm#ohk`^a^g#ng]#Okh[e^f^#fbm#]^k#Jk^]bmjnZebm� m#sn#

[^p� emb`^g#aZ[^g,#lmZ`gb^km#]Zl#Jk^]bmohenf^g#bf#`^lZfm^g#AZg-

d^gl^dmhk.#Hg#� [^k^bglmbffng`#fbm#]^k#LZkdm^gmpb\deng`#lZgd#]Zl#

Jk^]bmohenf^g#]^k#TgbBk^]bm-Sh\am^k[Zgd#7K=!8R_\#bf#2.#PnZkmZe#

`^`^g� [^k#]^f#UhkjnZkmZe#nf#3&<#]Zl#DbgeZ`^gohenf^g#gZaf#]Z-

`^`^g#bf#PnZkmZelo^keZn_#nf#17&#sn.#Cb^#Jk^]bmjnZebm� m#[eb^[#_� k#

]b^#@SE#AZgd#^bg#p^l^gmeb\a^k#EZdmhk,#]^k#]Zl#Dk`^[gbl#bf#2.#PnZk-

mZe#[^eZlm^m^.#Hf#Yn`^#]^k#Jhgcngdmnk^kaheng`#ng]#bgm^glbo^k#RZgb^-

kng`lZglmk^g`ng`^g#]^k#AZgd#pbk]#c^]h\a#^bg^#U^k[^ll^kng`#]^k#

Jk^]bmjnZebm� m#^kpZkm^m.#Hf#U^kmkb^[#l^msm#]b^#AZgd#HgbmbZmbo^g,#nf#

g^n^#Jk^]bmg^af^k#`nm^k#Ahgbm� m#Zn\a#fbm#^bg^f#g^n^g#o^k[^ll^k-

m^g#Okh]ndmZg`^[hm#Zgsnlik^\a^g#ng]#]Zfbm#]Zl#Jk^]bmpZ\almnf#

sn#ngm^klm� ms^g.#V^bm^kl#lhee#]b^#eZn_^g]^#Nimbfb^kng`#]^l#EbebZeg^m-

s^l#bf#QZaf^g#ohg#Q^hk`ZgblZmbhg#ng]#QZmbhgZeblb^kng`lfZ�gZa-

f^g#[bl#IZak^l^g]^#sn#`k^b_[Zk^g#Dk`^[gbll^g#_� ak^g.#

"#Hf#1.#GZe[cZak#2010#pZk#]Zl#pbkml\aZ_meb\a^#Tf_^e]#_� k#]b^#bg#

Zee^g#]k^b#SR]eZdTYV_!Cw_UVc_#Zdmbo^#@R#TgbBk^]bm#AZgd#p^bm^kabg#

l\apb^kb`;#Cb^#Q^s^llbhg#l^msm^#lb\a#bgl[^lhg]^k^#bg#K^mmeZg]#ng]#

KbmZn^g#_hkm,#ng]#bf#F^lZfmfZkdm#`bg`#]Zl#Jk^]bmohenf^g#snk� \d.#

Cb^#AbeZgslnff^#]^k#AZgd#^kk^b\am^#700#Lbh#KZm#(kng]#987#Lbh#u),#

bf#2.#PnZkmZe#gZaf^g#Jk^]bm^#ng]#DbgeZ`^g#bf#U^k`e^b\a#snf#

1.#PnZkmZe#Z[.#C^ggh\a#pZk#]^k#Ybgl� [^kl\anll#bf#2.#PnZkmZe#nf#

34&#a� a^k#Zel#bf#UhkjnZkmZe,#ng]#]b^#A^mkb^[l^kmk� `^#]^k#AZgd#[^-

mkn`^g#bgl`^lZfm#5#Lbh#KZm.#Cb^#AZgd#l^msm#bak#lmkbdm^l#Jhlm^gfZ-

gZ`^f^gm#dhgl^jn^gm#_hkm.#C^k#Jk^]bmkblbdhZn_pZg]#[eb^[#ah\a#ng]#

[^eZlm^m^#]b^#Dk_he`lk^\agng`#]^k#AZgd,#]b^#bf#1.#GZe[cZak#2010#

^bg^g#U^kenlm#ohg#1,99#Lbh#KZm#(kng]#2,8#Lbh#u)#Znlpb^l.#Hg_he`^#

]^k#bf#eZn_^g]^g#IZak#]nk\a`^_� akm^g#JZibmZe^ka� ang`#bg#]^k#G� a^#

ohg#13#Lbh#KZm#lmb^`#]b^#Db`^gfbmm^ejnhm^#]^k#@R#TgbBk^]bm#AZgd#

Zn_#� [^k#12&.

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

,/6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

;N`RWW'!^WM!GN[U^\][NLQW^WP!MN[!TXW\XURMRN[]NW!688'EXLQ]N[KJWTNW$BU[!e%

9<<)KF9?K<I87EB<E!-% KJ9?<9?@J9?<!I<GL8C@B JCFN7B<@ LE>7IE

?-!-, ?-!,5 ?-!-, ?-!,5 ?-!-, ?-!,5 ?-!-, ?-!,5

QZ_dySVcdTYfdd -*124(- -*02,(. --1(2 -.0(/ /0(/ 0-(4 -,0(/ 21(5

Okhoblbhgl� [^kl\anll 522,0 520,9 54,4 46,3 13,3 11,5 46,4 44,8

GZg]^el^k`^[gbl 32,0 310,6 3,5 z1,7 1,3 3,4 z4,9 23,3

RZe]h#lhglmb`^#[^mkb^[eb\a^##Dkmk� `^/@n_p^g]ng`^g 20,9 28,3 0,4 0,2 0,5 0,6 3,3 0,0

uSVcdTYfdd!UVc!kZ_df_RSYw_XZXV_!<cecwXV 130(5 415(4 14(/ 00(5 -1(- -1(2 00(3 24(-

8<KI@<8J<IKIs>< .*-0.(5 .*/-5(5 -3/(5 -25(. 05(0 13(0 -05(- -/0(,

8<KI@<8J7L=N<E;LE><E p 53.(0 p 5,1(4 p31(1 p3,(- p/2(4 p/3(, p2/(4 p13(0

8<KI@<8J<I><8E@J -*-3,(2 -*0-0(. 54(0 55(- -.(2 .,(/ 41(/ 32(2

Q� \dlm^eeng`^g z16,6 z16,6 z0,9 0,0 0,2 0,0 z0,9 0,0

Jk^]bmkblbdh z546,0 z670,7 z27,6 z43,4 z7,7 z4,2 z41,7 z38,5

EbgZgsZgeZ`^^k`^[gbl 21,3 5,3 0,6 0,5 0,2 0,0 1,5 1,3

Hgm^`kZmbhglZn_pZg] z1,8 z2,1 z1,7 z1,8 0,0 0,0 0,0 z0,2

<>K+<I><8E@J!MFI!JK<L<IE 2.3(1 3/,(- 24(3 10(0 1(/ -2(. 00(/ /5(/

!

Bhlm / Hg\hf^-QZmbh 45,4& 39,0& 43,4& 41,4& 74,5& 64,6& 42,8& 42,8&

Qbld /DZkgbg`l-QZmbh 34,8& 45,9& 23,9& 34,9& 22,5& 10,1& 39,9& 58,4&

Tfk^\agng`ldnkl #25,730# #27,144# #1,000# #1,000# #271,687# #289,984#

@n_-/@[p^kmng`#`^`^g� [^k#]^f#Dnkh +5,5& 0,0& +6,7&

$BU[!e%

JCFN<E@<E 8LC>7I@<E ILDsE@<E 87CK@J9?<!JK77K<E

?-!-, ?-!,5 ?-!-, ?-!,5 ?-!-, ?-!,5 ?-!-, ?-!,5

QZ_dySVcdTYfdd .1(, -4(5 -,0(1 -,3(3 --1(, 15(5 1(5 3(0

Okhoblbhgl� [^kl\anll 11,4 8,7 38,0 40,0 25,5 26,5 z1,8 0,6

GZg]^el^k`^[gbl z2,6 2,1 2,8 1,6 17,8 55,5 3,0 3,5

RZe]h#lhglmb`^#[^mkb^[eb\a^##Dkmk� `^/@n_p^g]ng`^g z0,2 0,2 0,5 0,0 0,0 z0,2 0,1 0,0

uSVcdTYfdd!UVc!kZ_df_RSYw_XZXV_!<cecwXV 4(2 --(, 0-(/ 0-(2 0/(0 4-(5 -(. 0(-

8<KI@<8J<IKIs>< //(3 .5(5 -01(4 -05(/ -14(0 -0-(3 3(- --(1

8<KI@<8J7L=N<E;LE><E p-4(3 p-3(4 p2-(/ p2.(3 p24(2 p23(3 p2(5 p2(3

8<KI@<8J<I><8E@J -0(5 -.(- 40(1 42(2 45(4 30(, ,(. 0(4

Q� \dlm^eeng`^g 0,0 0,0 z0,3 6,2 0,1 z1,8 0,0 0,0

Jk^]bmkblbdh z7,8 z 9,7 z33,9 z18,3 z47,5 z23,2 z3,6 z2,7

EbgZgsZgeZ`^^k`^[gbl 1,0 0,1 0,7 5,2 0,0 0,3 0,0 0,0

Hgm^`kZmbhglZn_pZg] 0,0 0,0 0,0 0,0 0,0 0,0 0,0 0,0

<>K+<I><8E@J!MFI!JK<L<IE 4(- .(1 1-(- 35(4 0.(1 05(/ p/(0 .(-

!

Bhlm / Hg\hf^-QZmbh 55,7& 59,4& 42,0& 42,0& 43,3& 47,8& 97,9& 58,4&

Qbld /DZkgbg`l-QZmbh 31,1& 51,2& 32,4& 17,0& 41,3& 38,8& 60,6& 36,7&

Tfk^\agng`ldnkl #1,000# #1,000# #1,956# #1,956# #4,149# #4,233# #0,708# #0,706#

@n_-/@[p^kmng`#`^`^g� [^k#]^f#Dnkh 0,0& z0,0& +2,0& z0,3&

1)#Rnff^#]^k#FnU-YZae^g#]^k#bg#]b^l^k#SZ[^ee^#`^s^b`m^g#BDD-Sh\am^k[Zgd^g.#CZl#F^l\a� _ml_^e]#BDD#]^k#R^`f^gm[^kb\am^klmZmmng`#l\aeb^�m#Zn\a#]Zl#Vb^g^k#Okh_bm#B^gm^k#^bg.

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

,06MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

$BU[!e%

KuIB<@!.% ILJJC7E; B7J79?JK7E LBI7@E<

?-!-, ?-!,5 ?-!-, ?-!,5 ?-!-, ?-!,5 ?-!-, ?-!,5

QZ_dySVcdTYfdd /0,(1 /3-(2 .2.(0 -3-(. 3,(, -.,(4 -/3(2 -03(/

Okhoblbhgl� [^kl\anll 181,4 155,6 65,0 56,8 z20,3 20,5 21,2 25,9

GZg]^el^k`^[gbl 6,2 42,6 z21,3 83,7 11,1 38,6 3,3 17,5

RZe]h#lhglmb`^#[^mkb^[eb\a^##Dkmk� `^/@n_p^g]ng`^g 18,9 17,8 z0,2 z0,1 z13,6 z1,5 z0,6 z0,6

uSVcdTYfdd!UVc!kZ_df_RSYw_XZXV_!<cecwXV .,2(2 .-2(, 0/(1 -0,(0 p..(3 13(2 ./(5 0.(4

8<KI@<8J<IKIs>< 103(, 143(2 /,1(5 /--(2 03(/ -34(0 -2-(1 -5,(-

8<KI@<8J7L=N<E;LE><E p./3(. p.,2(1 p--.(4 p 55(- p03(- p0.(1 p10(/ p1/(0

8<KI@<8J<I><8E@J /,5(4 /4-(, -5/(- .-.(2 ,(. -/1(4 -,3(- -/2(3

Q� \dlm^eeng`^g z14,0 z21,7 0,0 0,0 0,0 0,0 0,0 z0,2

Jk^]bmkblbdh z4,3 z140,7 z85,1 z116,2 z103,7 z109,9 z105,2 z121,0

EbgZgsZgeZ`^^k`^[gbl 5,5 4,4 2,2 z2,0 6,7 z6,9 0,6 0,0

Hgm^`kZmbhglZn_pZg] 0,0 0,0 0,0 0,0 0,0 0,0 0,0 0,0

<>K+<I><8E@J!MFI!JK<L<IE .53(, ../(- --,(/ 50(/ p 52(4 -5(- .(2 -1(1

!

Bhlm / Hg\hf^-QZmbh 43,4& 35,1& 36,9& 31,8& 99,7& 23,8& 33,6& 28,1&

Qbld /DZkgbg`l-QZmbh 1,3& 37,9& 32,4& 67,8& 148,0& 91,0& 76,4& 82,2&

Tfk^\agng`ldnkl #2,021# #2,152# #39,886# #44,097# #195,404# #193,007# #10,578# #10,503#

@n_-/@[p^kmng`#`^`^g� [^k#]^f#Dnkh +6,5& +10,6& z1,2& z0,7&

$BU[!e%

BIF7K@<E 8FJE@<E J<I8@<E

?-!-, ?-!,5 ?-!-, ?-!,5 ?-!-, ?-!,5

QZ_dySVcdTYfdd -41(2 -2.(2 /2(4 /2(2 /,(2 .0(.

Okhoblbhgl� [^kl\anll 65,1 59,9 14,5 14,0 7,9 9,7

GZg]^el^k`^[gbl 7,8 37,0 2,7 2,3 1,3 1,3

RZe]h#lhglmb`^#[^mkb^[eb\a^##Dkmk� `^/@n_p^g]ng`^g 11,9 12,2 0,2 z0,2 z0,3 z0,3

uSVcdTYfdd!UVc!kZ_df_RSYw_XZXV_!<cecwXV 40(4 -,5(- -3(0 -2(- 4(5 -,(3

8<KI@<8J<IKIs>< .3,(0 .3-(3 10(. 1.(3 /5(1 /0(5

8<KI@<8J7L=N<E;LE><E p-/1(, p-.5(- p/3(5 p/5(1 p-2(1 p-2(.

8<KI@<8J<I><8E@J -/1(0 -0.(3 -2(/ -/(. ./(, -4(2

Q� \dlm^eeng`^g z0,5 z0,3 z0,2 1,1 z0,1 0,0

Jk^]bmkblbdh z62,6 z31,0 z10,0 z7,6 z5,5 z4,3

EbgZgsZgeZ`^^k`^[gbl 1,3 2,3 0,8 0,0 0,1 0,0

Hgm^`kZmbhglZn_pZg] z0,1 z0,1 0,0 0,0 0,0 0,0

<>K+<I><8E@J!MFI!JK<L<IE 3/(1 --/(1 2(4 2(3 -3(2 -0(0

!

Bhlm / Hg\hf^-QZmbh 49,9& 47,5& 70,0& 75,0& 41,7& 46,5&

Qbld /DZkgbg`l-QZmbh 33,7& 19,1& 27,2& 20,7& 17,8& 17,8&

Tfk^\agng`ldnkl #7,266# #7,382# #1,956# #1,956# #100,096# #93,991#

@n_-/@[p^kmng`#`^`^g� [^k#]^f#Dnkh +1,6& 0,0& z6,1&

2)#jnhm^gdhglheb]b^km

9X[]\N]b^WP3!;N`RWW'!^WM!GN[U^\][NLQW^WP!MN[!TXW\XURMRN[]NW!688'EXLQ]N[KJWTNW

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

,16MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

5`^NXUOW

"#Lbmm^#2010#[^lm� mb`^g#gb\am#gnk#]b^#Tf_kZ`^g#ng]#ohkZnl^be^g]^g#

Hg]bdZmhk^g,#lhg]^kg#bff^k#lm� kd^k#Zn\a#]b^#aZkm^g#YZae^g,#]Zll#]b^#

CrgZfbd#]^l#p^emp^bm^g#@n_l\apng`l,#pb^#l\ahg#e� g`^k#^kpZkm^m,#

gZ\ae� llm.#Cb^#F^`^gk^Zdmbhg#]^k#snk� \deb^`^g]^g#ob^k,#_� g_#PnZkmZe^#

Zn_#]^g#ohkZg`^`Zg`^g^g#l\aZk_^g#Jhgcngdmnk^bg[kn\a#pZk#snf#

^bg^g#vm^\agbl\a^k#MZmnky,#]Zl#a^b�m#ohf#KZ`^ksrdenl#`^mkZ`^g#ng]#

lhfbm#gb\am#gZ\aaZemb`<#snf#Zg]^k^g#dhggm^g#]b^#p^emp^bm^g#Jhg-

cngdmnkikh`kZff^#gb\am#Zn_k^\am#^kaZem^g,#`^l\ap^b`^#]^gg#Znlp^b-

m^m#p^k]^g,#nf#p^bm^k#^qiZglbo#sn#pbkd^g.#F^[eb^[^g#blm#Z[^k#gZ\a#

@nleZn_^g#]b^l^k#Hfinel^#^bg#_ng]b^km^l#VZ\almnf,#]Zl#lb\a#Zn_#]^g#

bgm^glbo^g#V^emaZg]^e#fbm#Hg]nlmkb^`� m^kg#lm� msm#ng]#bg#e^msm^k#HglmZgs#

Zn_#]^k#DqiZglbhg#]^k#ZlbZmbl\a^g#ng]#l� ]Zf^kbdZgbl\a^g#R\ap^e-

e^ge� g]^k#knam.#Tg]#]b^#Q^\agng`#� [^k#]b^#Rm� msng`lfZ�gZaf^g#bg#

F^lmZem#aha^k#RmZZmll\ane]^g#ng]#C^_bsbm^#blm#gZ\a#pb^#h__^g.#

Hg#]^g#LJ7,#ph#lb\a#]^k#Hffh[beb^gl^dmhk#Zn\a#IZak^,#gZ\a]^f#^k#

]b^#Jkbl^#Znl`^e� lm#aZm,#gh\a#bff^k#gb\am#ghkfZeblb^km#aZm,#l\ap� -

\a^g#lb\a#]b^#VZ\almnflkZm^g#ZggnZeblb^km#Qb\amng`#2&#k^Ze#Z[#

(gZ\a#kng]#3&#bg#]^k#^klm^g#IZak^la� e_m^).#E� k#]Zl#F^lZfmcZak#[^-

]^nm^m#]b^l#bff^kabg#gh\a#2,8&.#Hf#<fc`XVSZVe#aZm#]b^#Jhgcngdmnk#

bf#2.#PnZkmZe#2010#]Zgd#]^l#Dqihkm[[hfl#spZk#� [^kkZl\a^g]#lmZkd#

Zg#EZakm#`^phgg^g#(ohk#Zee^f#bg#]^k#Hg]nlmkb^),#pZl#Zn\a#Zn_#]b^#Abg-

g^ggZ\a_kZ`^#ZnllmkZaem,#]h\a#[^`bgg^g#^[^g]b^l^#Hfinel^#gZ\asn-

eZll^g.#Gb^k#^kpZkm^g#pbk#_� k#]Zl#sp^bm^#GZe[cZak#^bg#VZ\almnf#ohg#

kng]#1&#(ah\a`^k^\ag^m),#^mpZ#aZe[#lh#ob^e#pb^#bg#]^g#TR@,#ng]#

]Zfbm#Zn\a#_� k#2010#bgl`^lZfm#1,0&.#Dbg^#Chn[e^-]bi-Q^s^llbhg#

aZem^g#pbk#Z[^k#_� k#ngpZakl\a^bgeb\a.#

Cb^#vRmZZmll\ane]^gdkbl^y,#]b^#bf#@ikbe /LZb#]b^l^g#IZak^l#snf#ohk-

a^kkl\a^g]^g#Sa^fZ#`^phk]^g#blm,#aZm#[^pbkdm,#]Zll#lb\a#d^bg#KZg],#

p^]^k#bg#]^k#O^kbia^kb^#gh\a#ngm^k#]^g#A^g\afZkdl#^gmsb^a^g#dZgg,#

]b^#gZ\aaZemb`^#Ak^flng`#]^k#JeRReddTYf]UV_Uj_R^Z\#`eZn[aZ_m#bg#

@g`kb__#sn#g^af^g.#Cb^l#aZm#bg#]^k#Ypbl\a^gs^bm#bg#`Zgs#DnkhiZ#ng]#

Zn\a#bg#BDD#z#fbm#h]^k#hag^#Lbmpbkdng`#]^l#HVE#z#sn#^bg^k#E� ee^#

ohg#Jhglheb]b^kng`lie� g^g#ng]#LZ�gZaf^g#fbm#dnks_kblmb`#]^_eZmhkb-

l\a^f#D__^dm#`^_� akm.#CZl#fZdkh� dhghfbl\a^#Tf_^e]#e^`m#gZa^,#

]Zll#]b^#DYA#Zg#bak^k#EZVUcZXkZ_da`]ZeZ\#Zn_#Z[l^a[Zk^#Y^bm#_^lma� em,#

p^gg#Zn\a#]b^#Zn�^k`^p� ageb\a^#Kbjnb]bm� mlo^klhk`ng`#snk� \d`^_Za-

k^g#pbk].#L� `eb\a#blm,#]Zll#]b^#@g`^[hml-/MZ\a_kZ`^dhglm^eeZmbhg#Zn_#

]^g#Q^gm^gf� kdm^g#ng]#lm^b`^g]^#Qblbdh-#[sp.#Tglb\a^ka^bmlik� fb^g#

(Zn\a#_� k#]b^#K^bmp� akng`^g)#sn#f^ak#UheZmbebm� m#ng]#sn#Zgsb^a^g]^g#

Ybgl^g#[^b#]^g#e� g`^k^g#KZn_s^bm^g#_� ak^g.#Ri^sb^ee#fbm#]^k#Jkbl^#bg#

Fkb^\a^geZg]#`bg`#^bg^#@[p^kmng`#]^l#<fc`!^bga^k,#]h\a#d� gg^g#

Zn\a#Zg]^k^#V^emp� akng`^g#Zn_`kng]#]^k#GZnlaZemlihebmbd#Zg_� eeb`#

l^bg.#C^k#Dnkh#m^g]b^km#snf#TR-CheeZk#l^bm#Lbmm^#Ingb#pb^]^k#_^lm,#

phfbm#^bg#p^bm^k^k#^qiZglbo^k#Hfinel#o^k[eZllm.#

#

"#Hg#tdeVccVZTY#aZm#lb\a#]^k#@n_l\apng`#bg#]^k#Hg]nlmkb^#l^bm#Ek� a-

cZak#gh\a#p^bm^k#[^l\ae^ngb`m,#]^k#AZgd#@nlmkbZ#DbgdZn_lfZgZ`^k-

bg]^q#s^b`m#l^bm#@ikbe#Gh\almbffng`#Zg.#Cb^#Dkaheng`#l\ae� `m#lb\a#

Zn\a#Zn_#]^f#@k[^bmlfZkdm#gb^]^k,#pZl#Zee^k]bg`l#_e^qb[e^g#[sp.#

k^o^klb[e^g#K� lng`^g#sn`nm^#dhffm.#@g`^lb\aml#]^k#o^k[k^bm^m^g#

Rhk`^g#nf#]b^#MZ\aaZemb`d^bm#]^k#DqihkmgZ\a_kZ`^#]blihgb^km#]b^#

Hg]nlmkb^#l^ak#snk� \daZem^g]#[^b#]^k#@giZllng`#bak^k#JZiZsbm� -

m^g.#C^k#dk� _mb`^#Q� \d^gpbg]#pbk]#Zelh#gh\a#[bl#bg#]^g#G^k[lm#

abg^bg#ZgaZem^g,#2010#pbk]#]b^#Hg]nlmkb^ikh]ndmbhg#k^Ze#nf#fbg-

]^lm^gl#4&#lm^b`^g.#F^lZfmpbkml\aZ_meb\a#]� k_m^g#pbk#Z[^k#bf#

2.#PnZkmZe#fbm#+0,7&#`^`^g#UhkjnZkmZe#]b^#a� \alm^#VZ\almnfl-

kZm^#`^l^a^g#aZ[^g.#Hgl[^lhg]^k^#]b^#Cbldnllbhg^g#� [^k#]b^#

An]`^mdhglheb]b^kng`#p^k]^g#]b^#U^k[kZn\a^klmbffng`#ng]#]b^#

JhglnfeZng^#sng^af^g]#]� fi_^g.#Cb^#� lm^kk^b\abl\a^#Vbkm-

l\aZ_m#pbk]#Z[^k#Zn_#VZ\almnfldnkl#[e^b[^g.#Dbg#g^n^keb\a^l#@[-

`e^bm^g#bg#]b^#Q^s^llbhg#blm#ngpZakl\a^bgeb\a.#Vbk#aZem^g#Zg#ng-

l^k^g#VZ\almnflikh`ghl^g#ngo^k� g]^km#_^lm#ng]#^kpZkm^g#_� k#

2010#^bg^g#@glmb^`#]^l#AHO#nf#1,3&#ng]#_� k#2011#nf#1,4&.#

"#Cb^#K� g]^k#QV_ecR])!f_U!FdeVfc`aRd!$9<<%#aZ[^g#]b^#

#EbgZgsdkbl^#gb\am#gnk#� [^klmZg]^g,#lhg]^kg#s^b`^g#bf#MZ\aabg-

^bg,#]Zll#]b^#o^k[k^bm^m^g#~g`lm^#ng]#]b^#Rd^ilbl,#]b^#fZg#ohk#

^bg^f#IZak#[^h[Z\am^g#dhggm^,#� [^kmkb^[^g#pZk^g.#Cb^#Okh]nd-

mbhg#aZm#lb\a#bg#]^k#`Zgs^g#z#bgahfh`^g^g#z#Q^`bhg#^kahem,#ng]#

]b^#JZibmZesn_e� ll^#aZ[^g#pb^]^k#^bg`^l^msm#(p^gg#Zn\a#gb\am#lh#

k^`^,#pb^#_k� a^k#`^phagm).#Rh#dhggm^g#pbk#ngl^k^#VZ\almnfl-

ikh`ghl^#2010#_� k#]b^#BDD-Q^`bhg#ohg#2,8&#Zn_#3,1&#gZ\a#

h[^g#k^ob]b^k^g.#F^g^k^ee#s^b`^g#]b^#`kh�^g,#k^eZmbo#Znmhghf^g#

K� g]^k#^bg#lm� kd^k^l#VZ\almnf,#Zee^g#ohkZg#]b^#S� kd^b#(5,6&)

h]^k#Zn\a#QnlleZg]#(3,4&),#p� ak^g]#c^g^#K� g]^k,#]b^#ohk#]^k#

Jkbl^#^bg#lmZkd#� [^kabmsm^l#VZ\almnf#o^ks^b\ag^m^g,#c^msm#dhglh-

eb]b^k^g#f� ll^g#ng]#l\ap� \a^k#^qiZg]b^k^g#(lb^a^#Okh`ghl^-

mZ[^ee^).#Hg#]^k#`^`^gp� kmb`^g#OaZl^,#]b^#]nk\a#^bg#Dqihkmah\a#

`^d^ggs^b\ag^m#blm,#ikh_bmb^k^g#]b^#h__^g^g#ng]#bg]nlmkb^ee#o^k-

_eh\am^g^g#Uhedlpbkml\aZ_m^g#lmZkd,#pb^#s.A.#]b^#RehpZd^b#(3,5&).#

z#Rhfbm#pbk]#]b^#Dkaheng`#bg#]^k#BDD-Q^`bhg#c^#gZ\a#Hgm^`kZmb-

hgl`kZ]#ng]#DqihkmZ[a� g`b`d^bm#Zn\a#p^bm^k#fbm#sp^b#F^l\apbg-

]b`d^bm^g#o^keZn_^g.#Yne^msm#aZ[^g#lb\a#]b^#U^kmkZn^glbg]bdZmhk^g#

ng]#]b^#k^Ze^g#Okh]ndmbhgl]Zm^g#^bg#p^gb`#Znl^bgZg]^k^gmpb-

\d^em.#@n_`kng]#]^k#RiZkiZd^m^#ng]#]^k#gZ\a#pb^#ohk#aha^g#@k-

[^bmlehlb`d^bm#pbk]#]^k#ikboZm^#Jhglnf#Zn\a#bf#sp^bm^g#GZe[cZak#

`^]� fi_m#[e^b[^g.#Cb^#Khag^ka� ang`^g#ng]#Dbgdhff^glsn-

p� \al^#oheesb^a^g#lb\a#eZg`lZf^k#Zel#ohk#]^k#Jkbl^,#^[^glh#pb^#

]b^#Jk^]bm_bgZgsb^kng`,#pZl#]b^#KZ`^#]^k#ikboZm^g#GZnlaZem^#p^b-

m^k#o^kl\ae^\am^km.#Dl#blm#]Za^k#fbm#^bg^k#l\ae^ii^g]^g#HgeZg]l-

gZ\a_kZ`^#sn#k^\ag^g,#p� ak^g]#]b^#Dqihkm^#Zn\a#bg#Yndng_m#]^k#

GZnimfhmhk#]^l#@n_l\apng`l#[e^b[^g#p^k]^g.#Cb^#`nm^g#MZ\a-

kb\am^g#_� k#]^g#ikboZm^g#R^dmhk#a� g`^g#fbm#]^g#nf_Zg`k^b\a^g#

Hg_kZlmkndmnk-Dgmpb\deng`likh`kZff^g#snlZff^g,#]b^#fZg\a^#

K� g]^k#]^ks^bm#]nk\a_� ak^g.#@[`^l^a^g#ohg#Fkh�ikhc^dm^g#lbg]#

bf#fbmme^k^g#Tgm^kg^af^gl[^k^b\a#Jh_bgZgsb^kng`likh`kZff^#

fbm#bgm^kgZmbhgZe^g#Hglmbmnmbhg^g#ng]#E� k]^k[Zgd^g#^bg#pb\amb`^k#

RmZ[beblb^kng`l_Zdmhk.#

#

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

Ypbl\a^g[^kb\am#snf#30.#Ingb#2010

,26MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

Cb^#@n_p^kmng`#]^k#BDD-V� akng`^g#bf#U^keZn_#]^k#1.#IZak^la� e_m^#

2010#(ohk#Zee^f#bf#2.#PnZkmZe)#pZk#]Zl#Rib^`^e[be]#]^k#Dnkh-

R\ap� \a^.#Cb^l#blm#]ZkZg#Z[sne^l^g,#]Zll#lb^#lb\a#l^bm#Dg]^#Ingb#

pb^]^k#snk� \d`^[be]^m#aZm,#ng]#]Zll#]b^#Dgmpb\deng`#`^`^g� [^k#

]^f#TR-CheeZk#(h]^k#^bg^f#`^ph`^g^g#Jhk[#pb^#]^f#Rhg]^ksb^-

ang`lk^\am)#lm^mb`#o^ke� n_m.#Gb^k[^b#l\aeZ`^g#]b^#V� akng`^g#]nk\a,#

]b^#lb\a#gb\am#gnk#Zf#Dnkh#hkb^gmb^k^g#(QnlleZg],#JZlZ\almZg,#

#TdkZbg^#ng]#S� kd^b),#]b^#Zn\a#[^lhg]^kl#bgl#F^pb\am#_Zee^g.#CZll#

]Zkbg#Z[^k#gb\am#gnk#@kbmaf^mbd,#lhg]^kg#Zn\a#^bg#U^kmkZn^gl`^-

pbgg#lm^am,#s^b`m#lb\a#]Zkbg,#]Zll#]b^#ehdZe^g#Ybgl^g#bg#_Zlm#Zee^g#

K� g]^kg#lmZkd#`^l^gdm#p^k]^g#dhggm^g.#@n\a#]b^#QblbdhZn_l\ae� `^#

_� k#BDD-Hgo^lmf^gml#(Z[e^l[Zk#Zg#]^g#BCR-Ok� fb^g#ng]#Ahg]-

lik^Z]l)#lbg]#p^bm^k#`^lngd^g,#pZl#]b^#pb^]^k`^phgg^g^#RmZ[beb-

m� m#ngm^klmk^b\am.#

Cb^#AZgd^gl^dmhk^g#e^b]^g#gZ\a#pb^#ohk#ngm^k#]^k#l\apZ\a^g#

Jk^]bmgZ\a^qiZglbhg#[^b#lmZkd^k#Jhgdnkk^gs#ng]#LZk`^g]kn\d,#

ph_� k#]b^#l\apZ\a^#MZ\a_kZ`^,#gb\am#]b^#@g`^[hmll^bm^#(Db`^gdZ-

ibmZedgZiia^bm)#^gml\a^b]^g]#blm.#CZl#C^e^o^kZ`bg`#ng]#]b^#A^f� -

ang`^g#nf#^bg^#lm^b`^g]^#ehdZe^#Q^_bgZgsb^kng`#pZk^g#^k_he`-

k^b\a,#]^ggh\a#[e^b[m#]b^#@[a� g`b`d^bm#ohg#^qm^kg^f#Eng]bg`#(fbm#

^mpZ#17&#]^k#U^k[bg]eb\ad^bm^g)#ah\a.#Hg#]^g#Okh[e^fe� g]^kg#

#JZlZ\almZg#ng]#Zn\a#bg#]^k#TdkZbg^#aZ[^g#lb\a#spZk#]b^#fZdkh-

� dhghfbl\a^g#O^kli^dmbo^g#lmZkd#o^k[^ll^km,#Z[e^l[Zk#Zg#a� a^k^g#

VZ\almnflkZm^g#(5&#[sp.#3&),#Znl`^`eb\a^g^g#YZaeng`l[beZg-

s^g#ng]#]^k#_hkm]Zn^kg]^g#@n_p^kmng`lm^g]^gs.#Ch\a#lm^a^g#]b^#

AZgd^gl^dmhk^g#ab^k#gh\a#ohee#bg#]^k#Q^lmkndmnkb^kng`,#ng]#]b^#

Jk^]bmjnZebm� m#blm#bg#[^b]^g#K� g]^kg#gZ\a#pb^#ohk#l\ae^\am.

"#Cb^#p^bm^k^#Dgmpb\deng`#]^k#AZgd#@nlmkbZ#pbk]#z#lm� kd^k#Zel#

lhglm#z#ohf#fZdkh� dhghfbl\a^g#Tf_^e]#Z[a� g`^g,#]Zl#Zn_#^bg^#

l\ap� \a^k^#DqiZglbhg#[^b#k^`bhgZe^g#Cbo^k`^gs^g#abg]^nm^m.##

Cb^#A^e^[ng`#]^l#F^l\a� _ml#bf#U^keZn_#]^l#1.#GZe[cZak^l#2010#

aZm#_� k#]Zl#F^lZfmcZak#^bg^#`nm^#AZlbl#`^e^`m,#Zg#]b^#lb\a#z#pb^#

bg#]^k#Jhgcngdmnk#z#gng#^bg#fh]^kZm^l#Rs^gZkbh#Zgl\aeb^�^g#pbk].#

C^fsn_he`^#lbg]#bg#�lm^kk^b\a#lmZ`gb^k^g]^#Jk^]bm-#ng]#SkZgl-

ZdmbhglohenfbgZ#ng]#Zn\a#bg#BDD#gnk#^bg#o^kaZem^g^l#VZ\almnf#

Z[l^a[Zk.#Cb^#Ybgl-#ng]#LZk`^g^gmpb\deng`#z#f� `eb\a^kp^bl^#

Zn\a#g^`Zmbo^#V^\al^ednkl^bg_e� ll^#z#eZlm^g#Zn_#]^g#Dkmk� `^g.#

Vbk#p^k]^g#]Za^k#p^bm^kabg#lmZkd#Zn_#Jhlm^g^__bsb^gs#Z\am^g#ng]#

ngl^k^#V^mm[^p^k[l_� ab`d^bm#]nk\a#bgm^glbo^#YnlZff^gZk[^bm#bg#

]^k#TgbBk^]bm#Fkhni#lm^b`^kg.#E� k#]Zl#hi^kZmbo^#Dk`^[gbl#^kpZkm^g#

pbk#^bg^#R^bmp� kml[^p^`ng`.#Cb^#c� g`lm^#Dgmpb\deng`#]^l#Jk^]bm-

kblbdhZn_pZg]l#ng]#]^k#Ohkm_hebhjnZebm� m#aZm#`^s^b`m,#]Zll#]^k#

#Jk^]bmsrdenl#]^f#Jhgcngdmnko^keZn_#fbm#^ka^[eb\a^k#Y^bmo^ks� `^-

kng`#_he`m.#Cb^#ohedlpbkml\aZ_meb\a^g#@gZerl^g#`^[^g#snk#Gh__gng`#

@geZll,#]Zll#]b^#Jk^]bmZnl_Zeeljnhm^g#bak^g#G� a^ingdm#bf#2.#GZe[-

cZak#2010#bg#]^g#f^blm^g#BDD-K� g]^kg#� [^kl\ak^bm^g,#bg#]^g#

#Okh[e^fe� g]^kg#lm^am#]^k#AZgd^gl^dmhk#Z[^k#gh\a#fbmm^g#bg#]^k#

RZgb^kng`.#

Yn#]^g#fbmm^e-#ng]#e� g`^k_kblmb`^g#TgZ[p� `[Zkd^bm^g#s� ae^g#f� `-

eb\a^#k^`neZmhkbl\a^#U^k� g]^kng`^g#ng]#_bldZebl\a^#Dbg`kb__^.##

A^b#bgm^kgZmbhgZe#ngdhhk]bgb^km^f#Uhk`^a^g#d� ggm^g#lb\a#]b^l^#sn#

ikhab[bmbo^g#A^eZlmng`^g#dnfneb^k^g,#pZl#]b^#ohedlpbkml\aZ_meb\a^#

Engdmbhg#]^k#AZgd^g#[^abg]^kg#p� k]^.#TgZ[a� g`b`#ohg#]^g#o^k-

aZem^g^g#dnks_kblmb`^g#@nllb\am^g#l^msm^g#pbk#ngl^k^g#R\ap^k-

ingdm#z#Zn_#]^k#`nm^g#Fkng]eZ`^#ngl^k^k#o^klm� kdm^g#JZibmZe[Zlbl#

z#Zn_#ngl^k#J^kg`^l\a� _m#Zel#Jk^]bm`^[^k.#Hg#�lm^kk^b\a#lbg]#pbk#

]Z[^b,#bf#QZaf^g#]^l#Okh`kZffl#Ng^4B#]b^#sb^e`knii^g`^gZn^#

A^mk^nng`#sn#o^k_^bg^kg#ng]#bgl[^lhg]^k^#ngl^k#@g`^[hm#_� k##

]^g#Lbmm^elmZg]#sn#lm� kd^g.#Hg#BDD#lbg]#]b^#fbmm^e-/ eZg`_kblmb`^g#

O^kli^dmbo^g#]^l#Jhgo^k`^gsikhs^ll^l#bgmZdm.#V^gg#Zn\a#]b^#

AhhfcZak^#U^k`Zg`^ga^bm#lbg],#p^k]^g#pbk#]b^l^l#Ohm^gsbZe#]nk\a#

l^e^dmbo^#Dkp^bm^kng`#ngl^k^l#U^kmkb^[lg^ms^l,#]nk\a#s� `b`^#

#Tfl^msng`#ngl^k^l#]boblbhgZe^g#F^l\a� _mlfh]^eel#lhpb^#]nk\a#

_hkm`^l^msm^#Hgm^`kZmbhg#ngl^k^k#Fknii^#lm^mb`#gnms^g.#

HR[]\LQJO]\`JLQ\]^V!$]QMXQ^!6>E&!"!SQSQZ!J[]VMT]%

><N@9?K<

8@G 87!&% .,,4 .,,5 .,-, .,--

V^em#(JZn_dkZ_miZkbm� m^g) +2,9 z0,6 +4,4 +4,1

TR@ 0,0 z2,6 +2,9 +2,2

Dnkh`^[b^m +0,4 z4,1 +1,0 +1,3

n!tdeVccVZTY '.(, p/(1 '-(/ '-(0

Sl\a^\ab^g 5,8& 8,1& +2,5 z4,1 +1,8 +2,2

RehpZd^b 2,5& 3,6& +6,2 z4,7 +3,5 +3,5

Tg`Zkg 4,2& 5,6& +0,6 z6,3 +0,5 +2,2

Rehp^gb^g 1,5& 1,3& +3,5 z7,8 +0,9 +1,9

QV_ecR]Vfc`aR -0(," -4(2" '.(3 p1(. '-(2 '.(0

BXUOW %/&+ %+&2 %,&0 %,&2

Ane`Zkb^g 1,3& 6,5& +6,0 z5,0 z1,0 +1,8

Qnf� gb^g 5,4& 6,5& +7,1 z7,1 z0,9 +2,5

JkhZmb^g 1,9& 12,0& +2,4 z5,8 z1,5 +1,6

Ahlgb^g#ng]#G^ks^`hpbgZ 0,5& 2,4& +5,4 z3,5 +0,5 +1,2

R^k[b^g 1,3& 1,7& +5,5 z3,0 +0,0 +2,2

DlmeZg] 0,6& 0,2& z3,6 z14,1 +1,2 +3,2

K^mmeZg] 0,9& 0,2& z4,6 z18,0 z1,3 +3,9

KbmZn^g 1,3& 0,2& +2,8 z15,0 z0,9 +3,3

J<<!f_U!8R]eZ\f^ -/(." .5(1" '0(0 p4(, p,(4 '.(0

QnlleZg] 44,8& 15,6& +5,6 z7,9 +3,4 +5,0

S� kd^b 19,6& 20,7& +0,7 z4,7 +5,6 +5,2

Ifdd]R_U!f_U!Kyc\VZ 20(0" /2(/" '0(- p2(5 '0(- '1(-

JZlZ\almZg 3,5& 6,9& +3,3 +1,2 +5,0 +6,0

TdkZbg^ 4,9& 8,7& +2,1 z15,1 +3,0 +4,0

BRdRTYdeR_!f_U!L\cRZ_V 4(0" -1(2" '.(2 p4(. '/(4 '0(4

BDD#(fbm#Ohe^g,#AHO-`^ph`^g) +4,0 z5,9 +3,0 +4,1

BDD#(hag^#Ohe^g,#AHO-`^ph`^g) +3,8 z6,9 +3,1 +4,3

BDD#(AZgd#@nlmkbZ#`^ph`^g)*) +3,3 z6,1 +2,3 +3,6

AZgd#@nlmkbZ-LZkdm#(AHO-`^ph`^g) +3,6 z6,6 +2,9 +4,0

AZgd#@nlmkbZ-LZkdm#(A@-`^ph`^g) +2,9 z5,3 +2,0 +2,9

*)#`^ph`^g#fbm#@gm^be^g#Zg#]^g#hi^kZmbo^g#Dkmk� `^g#]^k#AZgd#@nlmkbZ-S� \am^k.#

Pn^ee^#TgbBk^]bm#Q^l^Zk\a.#RmZg]#]^k#Okh`ghl^g;#Ingb#2010#

Bank Austria - Halbjahresfinanzbericht 2010

Halbjahreslagebericht zum 30. Juni 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

,36MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

PQ]!6MZW!5`^_]UM!<]`\\Q!Rn]!PM^!Q]^_Q!=MXNVMT]!,*+*

<Q^MY_Q]SQNZU^]QOTZ`ZS

;N`RWW'!^WM!GN[U^\][NLQW^WP $BU[!e%

&Q\okqX_c\em\in\`j' -*-*p/,*2*.,-, -*-*p/,*2*.,,5

W`ej\e!le[!� _ec`Z_\!Biki� ^\ &2' 2,/24 3,275

W`ej\e!le[!� _ec`Z_\!>l]n\e[le^\e &2' x/,706 x0,77/

EVee`kZ_dVcecRX .*.-4 .*1,2

Mifm`j`fej\iki� ^\ &3' /,000 /,.75

Mifm`j`fejXl]n\e[le^\e &3' x012 x/75

Gc`gZdZ`_dySVcdTYfdd 544 455

A`m`[\e[\e!le[!� _ec`Z_\!Biki� ^\ &4' /1 1/

EXe[\cj\i^\Ye`j &5' 015 053

CX`i+SXcl\+>egXjjle^\e!`d!E\[^\+>ZZflek`e^ &6' x/1 x

D\n`ee\!le[!S\icljk\!Xlj![\i!S\i� l�\ile^!mfe8 &7' /6 4.

X'!Cfi[\ile^\e x0 3

Y'!qli!S\i� l�\ile^!m\i]� ^YXi\e!]`eXeq`\cc\e!S\id� ^\ejn\ik\e 0. 35

Z'!Y`j!qli!Be[]� cc`^b\`k!ql!_Xck\e[\e!C`eXeq`em\jk`k`fe\e x x0

['!]`eXeq`\cc\e!S\iY`e[c`Z_b\`k\e x x

D\n`ee\!le[!S\icljk\!Xlj!\i]fc^jn`ibjXd!qld!Y\`qlc\^\e[\e!W\`kn\ik!Y\n\ik\k\e!!]`eXeq`\cc\e!S\id� ^\ejn\ik\e!le[!S\iY`e[c`Z_b\`k\e &/.' 7 x3

8<KI@<8J<IKIs>< /*03- /*322

T\ikY\i`Z_k`^le^\e!Xl]8 &//' x672 x/,.03

X'!Cfi[\ile^\e x660 x 772

Y'!qli!S\i� l�\ile^!m\i]� ^YXi\!]`eXeq`\cc\!S\id� ^\ejn\ik\ x x/.

Z'!Y`j!qli!Be[]� cc`^b\`k!ql!_Xck\e[\!C`eXeq`em\jk`k`fe\e x x

['!jfejk`^\!]`eXeq`\cc\!S\id� ^\ejn\ik\ x// x0.

8VecZVSdVcecwXV!_RTY!NVceSVcZTYeZXf_XV_!Rfd!UV^!8R_\XVdTYwWe .*133 .*30-

>Y^\^i\eqk\!Mi� d`\e 31 25

PXc[f!jfejk`^\!Biki� ^\!le[!>l]n\e[le^\e!Xlj![\d!S\ij`Z_\ile^j^\jZ_� ]k x22 x17

8VecZVSdVcecwXV!_RTY!NVceSVcZTYeZXf_XV_!Rfd!UV^!8R_\)!f_U!MVcdZTYVcf_XdXVdTYwWe .*142 .*305

S\inXckle^jXl]nXe[ x/,463 x/,412

X'!M\ijfeXcXl]nXe[ &/0' x 726 x 744

Y'!>e[\i\!S\inXckle^jXl]n\e[le^\e &/1' x515 x446

O� Zbjk\ccle^\e!]� i!O\Z_kj+!le[!?\iXkle^jXl]nXe[ &/2' x 7. x01

>YjZ_i\`Yle^\e*!T\ikY\i`Z_k`^le^\e!le[!WljZ_i\`Yle^\e!Xl]!PXZ_XecX^\e &/3' x/.2 x/.7

>YjZ_i\`Yle^\e*!T\ikY\i`Z_k`^le^\e!le[!WljZ_i\`Yle^\e!Xl]!`ddXk\i`\cc\!S\id� ^\ejn\ik\ &/4' x33 x35

PXc[f!jfejk`^\!Y\ki`\Yc`Z_\!Biki� ^\!le[!>l]n\e[le^\e &/5' 5/ 66

8<KI@<8J7L=N<E;LE><E p-*42/ p-*3/1

Bi^\Ye`j!Xlj!>ek\`c\e!Xe!Xjjfq``\ik\e!Rek\ie\_d\e 47 03

D\n`ee\!le[!S\icljk\!Xlj!qld!Y\`qlc\^\e[\e!W\`kn\ik!Y\n\ik\k\e!PXZ_XecX^\e!le[!`ddXk\i`\cc\e!S\id� ^\ejn\ik\e x/ x

>YjZ_i\`Yle^\e!Xl]!D\jZ_� ]kj+!f[\i!C`id\en\ik\ x/45 x

D\n`ee\!le[!S\icljk\!Xlj![\i!S\i� l�\ile^!mfe!C`eXeqXecX^\e &/6' 0. 7

<I><8E@J!MFI!JK<L<IE 200 -*,04

BikiX^jk\l\ie x/43 x/65

BFEQ<IEG<I@F;<Eu8<IJ9?LJJ 04, 42,

>ek\`c\!`d!?\j`kq![\i!B`^\ek� d\i![\i!?Xeb!>ljki`X 237 611

>ek\`c\!`d!Ci\d[Y\j`kq 0/ 05

Bi^\Ye`j!a\!>bk`\!&`e!s*!m\in� jj\ik!le[!lem\in� jj\ik' 2*/2 6*03

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

-*6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

8[PNKWR\!MN[!RV!8RPNWTJYR]JU!N[OJ\\]NW!8[][JP\'!^WM!4^O`JWM\YX\]NW!! $BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

?\n\ikle^j\i^\Ye`j!mfe!qli!S\i� l�\ile^!^\_Xck\e\e!S\id� ^\ejn\ik\e!&>]P+O� ZbcX^\' 45 x56

Bi^\Ye`j!Xlj!@Xj_]cfn+E\[^\j!&@Xj_]cfn+E\[^\+O� ZbcX^\' 0.. 67

Bi]fc^je\lkiXc\!|e[\ile^\e!mfe!Xk!\hl`kp!Y\n\ik\k\e!Rek\ie\_d\e // //

T�_ile^jldi\Z_ele^j[`]]\i\eq\e!&S\i� e[\ile^!T� _ile^ji� ZbcX^\' 657 x245

T� _ile^ji� ZbcX^\!mfe!qli!S\i� l�\ile^!^\_Xck\e\e!S\id� ^\ej^ilgg\e x x

S\ij`Z_\ile^jdXk_\dXk`jZ_\!D\n`ee\-S\icljk\!Y\`!c\`jkle^jfi`\ek`\ik\e!Mc� e\e x /

Pk\l\ie!Xl]!Mfjk\e*![`\![`i\bk!`e![Xj!f[\i!Xlj![\d!B`^\ebXg`kXc!� Y\ikiX^\e!nli[\e x44 1

Pfejk`^\!S\i� e[\ile^\e 1/ x272

;ZcV\e!Z^!<ZXV_\RaZeR]!VcWRdde -*-.- p 5/1

B`_kVc_aVcZ`UV_ySVcdTYfdd 04, 42,

JLDD<!@E!;<I!8<I@9?KJG<I@F;<!<I=7JJK<I!<IKI7>J)!LE;!7L=N7E;JGFJK<E -*2,- p31

>ek\`c\!`d!?\j`kq![\i!B`^\ek� d\i![\i!?Xeb!>ljki`X /,35. /.6

>ek\`c\!`d!Ci\d[Y\j`kq 1/ x/61

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

-+6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

PQ]!6MZW!5`^_]UM!<]`\\Q!d`Y!-*(!?`ZU!,*+*

6UXMZd

4T]R_J $BU[!e%

&Q\okqX_c\em\in\`j' !/,*2*.,-, !/-*-.*.,,5

?Xii\j\im\ 0,40/ 1,0/1

EXe[\cjXbk`mX &/7' 3,4.5 2,/15

Bi]fc^jn`ibjXd!qld!Y\`qlc\^\e[\e!W\`kn\ik!Y\n\ik\k\!]`eXeq`\cc\!S\id� ^\ejn\ik\ &0.' 247 013

Wli!S\i� l�\ile^!m\i]� ^YXi\!]`eXeq`\cc\!S\id� ^\ejn\ik\ &0/' /0,62/ /.,604

?`j!qli!Be[]� cc`^b\`k!ql!_Xck\e[\!C`eXeq`em\jk`k`fe\e &00' 3,0/. 3,.45

Cfi[\ile^\e!Xe!Hi\[`k`ejk`klk\ &01' 02,353 01,.54

Cfi[\ile^\e!Xe!Hle[\e &02' /07,51. /01,4.0

E\[^`e^+A\i`mXk\ &03' 1,/77 /3/

JXibkn\ikm\i� e[\ile^\e![\i![liZ_!Mfik]fc`f+E\[^\!XY^\j`Z_\ik\e!Dile[^\jZ_� ]k\!&)-x' x x

>ek\`c\!Xe!Xjjfq``\ik\e!Rek\ie\_d\e!le[!Gf`ek!S\ekli\j 0,250 0,204

>ek\`c!mfe!O� Zbm\ij`Z_\i\ie!Xe!m\ij`Z_\ile^jk\Z_e`jZ_\e!O� Zbjk\ccle^\e x x

PXZ_XecX^\e &04' 0,207 0,051

RSO_XW!KU\!;SWKWbKWUKQOW!QORKU]OW .1* -03

FddXk\i`\cc\!S\id� ^\ejn\ik\ &05' 2,/34 1,716

!RSO_XW!<O\MRkP]\'!^WN!;S[VOW`O[]O -(0+0 -(.+/

Pk\l\iXejgi� Z_\ /,152 /,11.

X'!Pk\l\i\ijkXkkle^jXejgi� Z_\ 107 1.7

Y'!IXk\ek\!Pk\l\iXejgi� Z_\ /,.23 /,.0/

Wli!S\i� l�\ile^!^\_Xck\e\!S\id� ^\ej^ilgg\e &06' 03 /1,0/.

Pfejk`^\!>bk`mX 3,530 753

7BK@M7 .,,*02- -50*015

BJ\\R_J! $BU[!e%

&Q\okqX_c\em\in\`j' !/,*2*.,-, !/-*-.*.,,5

S\iY`e[c`Z_b\`k\e!^\^\e� Y\i!Hi\[`k`ejk`klk\e &07' 15,776 11,140

S\iY`e[c`Z_b\`k\e!^\^\e� Y\i!Hle[\e &1.' 77,623 75,.2/

S\iYi`\]k\!S\iY`e[c`Z_b\`k\e &1/' 05,30. 06,600

EXe[\cjgXjj`mX &10' 1,431 7/3

Bi]fc^jn`ibjXd!qld!Y\`qlc\^\e[\e!W\`kn\ik!Y\n\ik\k\!]`eXeq`\cc\!S\iY`e[c`Z_b\`k\e &11' /,575 /,745

E\[^`e^+A\i`mXk\ &12' 1,312 0/7

JXibkn\ikm\i� e[\ile^\e![\i![liZ_!Mfik]fc`f+E\[^\!^\j`Z_\ik\e!Dile[^\jZ_� ]k\!&)-x' x x

Pk\l\im\ig]c`Z_kle^\e 435 330

X'!QXkj� Z_c`Z_\!Pk\l\im\ig]c`Z_kle^\e /03 74

Y'!IXk\ek\!Pk\l\im\ig]c`Z_kle^\e 310 234

Wli!S\i� l�\ile^!^\_Xck\e\!S\id� ^\ej^ilgg\e &13' x /.,270

Pfejk`^\!MXjj`mX 1,//4 0,150

O� Zbjk\ccle^\e &14' 2,0.7 2,/45

X'!O� Zbjk\ccle^\e!]� i!M\ej`fe\e!le[!� _ec`Z_\!S\ig]c`Z_kle^\e 1,452 1,455

Y'!Pfejk`^\!O� Zbjk\ccle^\e 314 27.

S\ij`Z_\ile^jk\Z_e`jZ_\!O� Zbjk\ccle^\e /62 /40

B`^\ebXg`kXc /5,726 /2,166

RSO_XW!5W]OSUO!SV!;[OVNLO\S]b!#%)f$ //+ /-3

G7JJ@M7 .,,*02- -50*015

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

-,6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

9Z_bUOWX`ZS!PQ^!9USQZWM\U_MX^

$BU[!e%

><Q<@9?)E<K<J!

B7G@K7C

B7G@K7CIu9B)C7><E

><N@EE)Iu9B)C7><E

Ns?ILE>J)Iu9BC7><

8<N<I)KLE>JIu9B)C7><E!><D*!

@7J!/5&%

G<EJ@FEJ)s?EC*!M<I)G=C@9?KLE)><E!@7J!-5

7EK<@C<@D!<@><E)

8<J@KQ

!7EK<@C<@D!=I<D;)

8<J@KQ<@><E)

B7G@K7C

JeR_U!-*-*.,,5 -*025 1*/.3 4*0.1 p-*-31 -2 p114 -/*1,0 3// -0*./3

Hfejfc`[`\ile^jbi\`j� e[\ile^\e x 6 6

>ek\`c\!Xe!_\iijZ_\e[\e!Rek\ie\_d\e x x x

Bi]Xjjk\!Biki� ^\!le[!>l]n\e[le^\e 0 4.2 x3.4 5 / /.6 x/61 x53

>ljjZ_� kkle^ x x16 x16

JK7E;!/,*2*.,,5 -*025 1*/.5 5*,.5 p-*24- .. p113 -/*2-. 1., -0*-//

('!!?\n\ikle^ji� ZbcX^\e!^\d,!F>P!17 /,/,0..7 1.,4,0..7! @Xj_]cfn+E\[^\+O� ZbcX^\ 07 x16! >]P+O� ZbcX^\ x/1 4.! G`YYQ +0 ,,! RSO_XW!6O`O[]^WQ\[mMTUKQOW!_XW!<O\OUU\MRKP]OW&!NSO!^W]O[!cJ^[!GO[k^jO[^WQ!QORKU]OWO!GO[VlQOW\Q[^YYOWe!K^\QO`SO\OW!`O[NOW f1*

><Q<@9?)E<K<J!

B7G@K7C

B7G@K7CIu9B)C7><E

><N@EE)Iu9B)C7><E

Ns?ILE>J)Iu9BC7><

8<N<I)KLE>JIu9B)C7><E!><D*!

@7J!/5&%

G<EJ@FEJ)s?EC*!M<I)G=C@9?KLE)><E!@7J!-5

7EK<@C<@D!<@><E)

8<J@KQ

!7EK<@C<@D!=I<D;)

8<J@KQ<@><E)

B7G@K7C

JeR_U!-*-*.,-, -*025 1*/.1 5*.51 p-*3.3 -04 p22, -/*405 1/5 -0*/44

HXg`kXc\i_� _le^ 0/0 /,566 0,... 0,...

QiXejXbk`fejbfjk\e![\i!HXg`kXc\i_� _le^ x0. x0. x0.

Hfejfc`[`\ile^jbi\`j� e[\ile^\e x 0 0

>ek\`c\!Xe!_\iijZ_\e[\e!Rek\ie\_d\e x0 x0 x0

Bi]Xjjk\!Biki� ^\!le[!>l]n\e[le^\e 3./ 65. /77 x /,35. 1/ /,4./

>ljjZ_� kkle^ x x0. x0.

JK7E;!/,*2*.,-, -*24- 3*,5- 5*351 p413 /03 p22, -3*/54 11- -3*504

('!!?\n\ikle^ji� ZbcX^\e!^\d,!F>P!17 /,/,0./. 1.,4,0./.! @Xj_]cfn+E\[^\+O� ZbcX^\ 40 017! >]P+O� ZbcX^\ 64 /.6! G`YYQ +.2 -.1

PQ]!6MZW!5`^_]UM!<]`\\Q

Fe!\`e\i!Xl�\ifi[\ekc`Z_\e!EXlgkm\ijXddcle^!Xd!2,!J� iq!0./.!nli[\![`\!Bi_� _le^![\j!Dile[bXg`kXcj![\i!Re`@i\[`k!?Xeb!>ljki`X!>D!ld!0/0,040,55/*4.!s!Xl]!Kfd`eXc\!/,46/,.11,30/*2.!s!Y\jZ_cfjj\e,!AliZ_!>lj^XY\!mfe!07,/75,.6.!Pk� ZbXbk`\e!qld!Mi\`j!mfe!s!46*3.!\ii\Z_e\k!j`Z_!\`e\!Bi_� _le^![\j!B`^\ebXg`kXcj!ld!0!Ji[!s,!

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

--6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

<QXPRX`^^]QOTZ`ZS

$BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

Q7?CLE>JD@KK<C8<JK7E;!QLD!<E;<!;<I!MFIG<I@F;< /*.02 /*5.5

@Xj_]cfn!Xlj!fg\iXk`m\i!D\jZ_� ]kjk� k`^b\`k x/,414 x10.

@Xj_]cfn!Xlj!Fem\jk`k`fejk� k`^b\`k x462 140

@Xj_]cfn!Xlj!C`eXeq`\ile^jk� k`^b\`k /,51. x3.0

B`e]c� jj\!Xlj!T\Z_j\cblij� e[\ile^\e x12 x0

Q7?CLE>JD@KK<C8<JK7E;!QLD!<E;<!;<I!G<I@F;< .*2.. /*023

PQ]!6MZW!5`^_]UM!<]`\\Q

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

-.6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

9]Xl`_Q]`ZSQZ!$C[_Q^%!d`Y!@[ZdQ]ZdbU^OTQZMN^OTX`^^

$+%!KQ^QZ_XUOTQ!FQOTZ`ZS^XQS`ZS^S]`ZP^l_dQA\i!Wn`jZ_\eY\i`Z_k![\i!?Xeb!>ljki`X!Dilgg\!nli[\!`e!~Y\i\`ejk`ddle^!d`k![\e!Fek\ieXk`feXc!C`eXeZ`Xc!O\gfik`e^!PkXe[Xi[j!&FCOP'!\ijk\cck,!C� i![\e!Wn`jZ_\eY\i`Z_k!nli[\e![`\!?\jk`ddle^\e![\j!F>P!12!Xe^\n\e[\k,!Bi![\Zbk![Xj!\ijk\!EXcYaX_i!0./.!&/,!G� ee\i!0./.!Y`j!1.,!Gle`!0./.'!XY!le[!m\i^c\`Z_k![`\j\j!d`k![\i!\ekjgi\Z_\e[\e!SfiaX_i\jg\i`f[\,

5`^bU]W`ZS!PQ]!iZPQ]`ZSQZ!a[Z!>5G!-3!`ZP!>;FG!1D\d� �![\e!`d!LbkfY\i!0..6!m\icXlkYXik\e!|e[\ile^\e!ql!F>P!17!le[!FCOP!5!&tO\ZcXjj`]`ZXk`fe!f]!C`eXeZ`Xc!>jj\kjw'!nli[\e!`d!qn\`k\e!EXcYaX_i!0..6!Y\jk`ddk\!]`eXeq`\cc\!S\id� ^\ejn\ik\!Xlj![\i!?`cXeqbXk\^fi`\!tqld!CX`i!SXcl\!Y\n\ik\kw!`e![`\!?`cXeqgfj`k`fe!tCfi[\ile^\e!Xlj![\d!Hi\[`k^\jZ_� ]kw!ld^\^c`\[\ik,!

KQ]_TMX_USWQU_^\]nR`ZS!PQ]!;U]YQZbQ]_Q!$>Y\MU]YQZ_!_Q^_%A`\!T\ik_Xck`^b\`kjgi� ]le^![\i!C`id\en\ik\*![`\!\`e\i!qX_cle^jd`kk\c^\e\i`\i\e[\e!B`e_\`k!ql^\fi[e\k!j`e[*!\i]fc^k\!`e![\i!?Xeb!>ljki`X!g\i!1/,!A\+q\dY\i!0..7,!E� _\i\i!T\ikY\i`Z_k`^le^jY\[Xi]!]� i!Hi\[`k\!`d!S\i^c\`Z_!ql![\e!lijgi� e^c`Z_\e!McXeXeeX_d\e*!n\cZ_\!?Xj`j!]� i![`\!qld!GX_i\j\e[\![liZ_^\]� _ik\!T\ik_Xck`^b\`kjgi� ]le^!nXi\e*!\i^\Y\e!\`e\e!T\ikY\i`Z_k`^le^jY\[Xi]!`e!E� _\!mfe!/40!J`f!s!]� i![\e!C`id\en\ik![\i!GP@!>QC!?Xeb!`e!HXjXZ_jkXe!g\i!Gle`!0./.,

!

FVTUJ\\RORbRN[]N!ORWJWbRNUUN!GN[ViPNW\`N[]N3!5^LQ`N[]N&!9JR[!GJU^N\!^WM!4^\`R[T^WPNW!J^O!MJ\!;N\JV]N[PNKWR\! $BU[!e%

8<JK7E;!MFI!LD)!BC7JJ@=@Q@<ILE>

8<JK7E;!E79?!LDBC7JJ@=@Q@<ILE>

8L9?N<IK!/,*2*.,-,

=7@I!M7CL<!/,*2*.,-,

<IKIs><+7L=N<E;LE><E(!N<EE!LDBC7JJ@=@Q@<ILE>!

E@9?K!<I=FC>K!NsI<!!$MFI!JK<L<IE%

@E!;<I!8<I@9?KJG<I@F;<!<I=7JJK<!<IKIs><+

7L=N<E;LE><E!!$MFI!JK<L<IE%

7IK!;<I!M<IDt><EJN<IK<7LJ!

8<N<IKLE> JFEJK@><7LJ!

8<N<IKLE> JFEJK@><

7*!JTYf]UZ_decf^V_eV p-*320 p-*11/ 5. /4 p .0

EXe[\cjXbk`mXWli!S\i� l�\ile^!m\i]� ^YXi x0. x0. / / / /

EXe[\cjXbk`mX?`j!qli!Be[]� cc`^+b\`k!ql!_Xck\e x23 x24 1 0 x /

EXe[\cjXbk`mXCfi[\ile^\e!Xe!Hi\[`k`ejk`klk\ x x x x x x

EXe[\cjXbk`mXCfi[\ile^\e!Xe!Hle[\e x/,477 x/,265 66 14 x/ 00

Wli!S\i� l�\ile^!m\i]� ^YXi

Cfi[\ile^\e!Xe!Hi\[`k`ejk`klk\ x x x x x x

Wli!S\i� l�\ile^!m\i]� ^YXi

Cfi[\ile^\e!Xe!Hle[\e x x x x x x

8*!<ZXV_\RaZeR]Z_decf^V_eV p p p p p p

9*!BcVUZeV p p p p p p

;*!@_gVde^V_eW`_UdR_eVZ]V p p p p p p

JLDD< p-*320 p-*11/ 5. /4 p, .0

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

-/6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

C[_Q^!$;DFHG9HLIC<%

$,%!9]SQNZU^!VQ!5W_UQ )8UaUPQZPQAX!`d!?\i`Z_kjq\`kiXld!b\`e\!C`eXeq`ejkild\ek\!d`k!S\in� jj\ile^j\]]\bk!Xl]![`\!Fe_XY\iXbk`\e!`e!RdcXl]!nXi\e*!j`e[![`\!T\ik\!]� i![`\!tYXj`Z!\Xie`e^j!g\i!j_Xi\w!&D\n`ee!a\!>bk`\!eXZ_!F>P!11'!le[![`\!t[`clk\[!\Xie`e^j!g\i!j_Xi\w!&m\in� jj\ik\i!D\n`ee!a\!>bk`\!eXZ_!F>P!11'!^c\`Z_!_fZ_,!?\qf^\e!Xl]![`\![liZ_jZ_e`kkc`Z_\!>bk`\eXeqX_c!&00/*3!J`f!Pk� Zb'!Y\ki� ^k![\i!D\n`ee!a\!>bk`\!]� i![Xj!\ijk\!EXcYaX_i!0./.!0*.5!s!&SG8!2*/0!s!Y\`!0.0*.!J`f!Pk� Zb',!

$-%!JQ]lZPQ]`ZSQZ!UY!@[ZdQ]Z )@[Z^[XUPUQ]`ZS^W]QU^!,*+*J`k!/,!G� ee\i!0./.!nli[\e!]fc^\e[\!QfZ_k\ilek\ie\_d\e!`e![\e!Hfejfc`[`\ile^jbi\`j![\i!?Xeb!>ljki`X!Dilgg\!Xl]^\efdd\e8"!?>!?\ki`\YjfYa\bk\!DdYE"!?>!?\ki`\YjfYa\bk\!DdYE!%!@f!?\kX!S\id`\kle^j!LD"!?>!?\ki`\YjfYa\bk\!MiX_X*!jgfc, j, i,f,"!?Xeb!>ljki`X!C`eXeqj\im`Z\!DdYE"!?Xeb!>ljki`X!O\Xc!Fem\jk!FddfY`c`\e+HXg`kXcXecX^\!DdYE"!Blifg\!Fem\jkd\ek!Cle[!?l[Xg\jk"!HPD!HXik\e+S\ii\Z_ele^j+!le[!P\im`Z\^\j\ccjZ_X]k!d,Y,E,"!PZ_f\cc\iYXeb!Fem\jk!>D

Cfc^\e[\!Rek\ie\_d\e!n\i[\e!j\`k!/,!G� ee\i!0./.!eXZ_![\i!>k+\hl`kp+J\k_f[\!\`eY\qf^\e8"!>e^\i!JXZ_`e`e^!DdYE"!@i\[Xek`!Efc[`e^!I`d`k\["!Cfijk`e^\i!EXe[\cj!le[!P\im`Z\!DdYE"!Jlck`gclj!@Xi[![,f,f,"!MXgZ\c!X,j,"!T`\e!J`kk\!FddfY`c`\e!DdYE

A`\!Re`@i\[`k!?Xeb!>ljki`X!>D!_Xk!Xd!/,!G� ee\i!0./.!/..$!Xe![\i!Afdlj!?`jkif!DdYE!ql!\`e\d!S\ibXl]jgi\`j!mfe!51,337*.1!s!Xe![`\!!SFS>Q!?\k\`c`^le^j!DdYE!m\ibXl]k,!

>d!/3,!G� ee\i!0./.!nli[\![`\!lbiX`e`jZ_\!D\j\ccjZ_X]k!@>F?!P\Zli`k`\j!>Q!&H`\n'*!\`e\!/..$+QfZ_k\i![\i!Re`@i\[`k!@>F?!>D*!Xe![`\!!QfmXipjkmf!W!LYd\q_\efpl!S`[gfm`[Xce`jkpl!tHMA!@fejlck`e^w!� Y\ikiX^\e,!

Fe!HXjXZ_jkXe!nli[\![`\!Lg\e!jXm`e^!g\ej`fe!]le[!LQ>K!GP@!Xd!/3,!J� iq!0./.!ql!\`e\d!S\ibXl]jgi\`j!mfe!1,4.6,70.,706*..!HWQ!&/6!J`f!s'!!Xe![`\!GP@!tP>Q!%!@fdgXepw!m\ibXl]k,!

Fd!0,!NlXikXc!0./.!nli[\e!`d!Wl^\![\i!K\ljkilbkli`\ile^![\j!JXib\kj+!le[!Fem\jkd\ekYXeb^\jZ_� ]kj!`e![\i!Re`@i\[`k!Diflg![`\!D\j\ccjZ_X]k\e!Re`@i\[`k!@>F?!le[!Re`@i\[`k!@>F?!P\Zli`k`\j!RH!Ik[,!Xe![`\![\lkjZ_\!Re`@i\[`k!?Xeb!>D!&mfidXcj!?Xp\i`jZ_\!Epgf+!le[!S\i\`ejYXeb!>D'!m\ibXl]k,!A`\j\!QiXejXbk`fe!nli[\!`ee\i_XcY![\i!Re`@i\[`k!Diflg![liZ_^\]� _ik*![X_\i!bfddk!FCOP!1!e`Z_k!qli!>en\e[le^,!AXj!Bi^\Ye`j![\i!Y\`[\e!QfZ_k\i+lek\ie\_d\e!`jk!Y`j!1/,.3,0./.!`e![\i!?Xeb!>ljki`X!Dilgg\!\ek_Xck\e,!A\i!\ekjkXe[\e\!S\ibXl]j^\n`ee!`jk![`i\bk!`d!B`^\ebXg`kXc!Xlj^\n`\j\e,!AXi� Y\i!_`eXlj!nli[\![`\!Re`@i\[`k!@>F?!RH!Ik[,!g\i!1/,.3,0./.!c`hl`[`\ik,

!

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

-06MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

8Q_MUX^!d`]!<QbUZZ'!`ZP!JQ]X`^_]QOTZ`ZS

$.%!LUZ^Q]_]lSQ)LUZ^M`RbQZP`ZSQZ

IRW\NW!^WM!hQWURLQN!8[][hPN $BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

J9?LC;)@EJKILD<EK< BI<;@K<

JFEJK@><!><J9?s=K< JLDD< JLDD<

EXe[\cjXbk`mX 50 x 31 /03 /36

Bi]fc^jn`ibjXd!qld!Y\`qlc\^\e[\e!W\`kn\ik!Y\n\ik\k\!]`eXeq`\cc\!S\id� ^\ejn\ik\ 2 x x 2 7

Wli!S\i� l�\ile^!m\i]� ^YXi\!]`eXeq`\cc\!S\id� ^\ejn\ik\ 007 x x 007 0/4

?`j!qli!Be[]� cc`^b\`k!ql!_Xck\e[\!C`eXeq`em\jk`k`fe\e /4. x x /4. 0.5

Cfi[\ile^\e!Xe!Hi\[`k`ejk`klk\ x //. x //. 161

Cfi[\ile^\e!Xe!Hle[\e 1. 1,0// x 1,02/ 2,/23

E\[^`e^+A\i`mXk\ U U 053 053 152

Pfejk`^\!>bk`mX U U 0 0 1

JLDD< 052 /*/.- //, 0*-02 1*053

IRW\NW!^WM!hQWURLQN!4^O`NWM^WPNW $BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

<@EC7><E N<IKG7G@<I<JFEJK@><!

><J9?s=K< JLDD< JLDD<

S\iY`e[c`Z_b\`k\e!^\^\e� Y\i!W\ekiXcefk\eYXeb\e x/5 U x x/5 b,>,

S\iY`e[c`Z_b\`k\e!^\^\e� Y\i!Hi\[`k`ejk`klk\e x1.4 U x x1.4 x472

S\iY`e[c`Z_b\`k\e!^\^\e� Y\i!Hle[\e x/,.56 U x x/,.56 x/,374

S\iYi`\]k\!S\iY`e[c`Z_b\`k\e U x2.0 x x2.0 x417

EXe[\cjgXjj`mX x x x54 x54 x07

Bi]fc^jn`ibjXd!qld!Y\`qlc\^\e[\e!W\`kn\ik!Y\n\ik\k\!]`eXeq`\cc\!S\iY`e[c`Z_b\`k\e x x/1 x x/1 x/7

Pfejk`^\!MXjj`mX U U x/ x/ x1

E\[^`e^+A\i`mXk\ U U x12 x12 x//

JLDD< p-*0,- p0-2 p--- p-*5.4 p.*55-

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

-16MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

8Q_MUX^!d`]!<QbUZZ'!`ZP!JQ]X`^_]QOTZ`ZS!$;DFHG9HLIC<%

$/%!E][aU^U[Z^Q]_]lSQ)E][aU^U[Z^M`RbQZP`ZSQZ

B[X_R\RXW\N[][hPN $BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

uSVc_`^^V_V!>RcR_eZV_ -,, 5/

BcVUZeUVcZgReV 0 .

MVchR]ef_Xd)(!MVc^Zee]f_Xd)!f_U!8VcRef_XdUZV_de]VZdef_XV_ 0.0 /10

T\ikgXg`\i_Xe[\c 10 0/

A\m`j\e_Xe[\c /11 /11

S\id� ^\ejm\inXckle^ 72 52

T\ikgXg`\im\inX_ile^!le[!+m\inXckle^ 42 26

A\gfkYXeb 05 /5

McXkq`\ile^!mfe!T\ikgXg`\i\e // /3

Bek^\^\eeX_d\!le[!T\`k\ic\`kle^!mfe!>l]ki� ^\e 4 6

?\iXkle^ // 2

S\iki`\Y!mfe!A`\ejkc\`jkle^\e!Ai`kk\i 24 10

@_\Rdd`!f_U!QRY]f_XdgVc\VYc /30 0//

MVcScZVWf_XdUZV_de]VZdef_XV_ p p

=RTe`cZ_X);ZV_de]VZdef_XV_ ., -2

JeVfVcVZ_YVSf_XdUZV_de]VZdef_XV_ p p

8VecZVS!g`_!^f]eZ]ReVcR]V_!?R_UV]ddjdeV^V_ p p

MVchR]ef_X!g`_!>Zc`\`_eV_ -,- 2.

J`_deZXV!;ZV_de]VZdef_XV_ -55 -/3

JLDD< -*... -*,53

B[X_R\RXW\J^O`NWM^WPNW $BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

<cYR]eV_V!>RcR_eZV_ p-/ p-.

BcVUZeUVcZgReV p.. p..

MVchR]ef_Xd)(!MVc^Zee]f_Xd)!f_U!8VcRef_XdUZV_de]VZdef_XV_ p2/ p/-

EXe[\c!d`k!C`eXeq`ejkild\ek\e x3 x3

A\m`j\e_Xe[\c x/ x0

S\id� ^\ejm\inXckle^ x6 x5

T\ikgXg`\im\inX_ile^!le[!+m\inXckle^ x11 x/4

McXkq`\ile^!mfe!C`eXeq`ejkild\ek\e x x/

S\iki`\Y!mfe!C`eXeq`ejkild\ek\e*!Mif[lbk\e!le[!A`\ejkc\`jkle^\e!� Y\i!Xck\ieXk`m\!S\iki`\YjbXe� c\ x/4 x

@_\Rdd`!f_U!QRY]f_XdgVc\VYc p-,3 p 50

J`_deZXV!;ZV_de]VZdef_XV_ p.5 p0,

JLDD< p./0 p-53

$0%!8UaUPQZPQZ!`ZP!lTZXUOTQ!9]_]lSQ$BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

;@M@;<E;<E

<IKIs><!7LJ!@EM<JKD<EK)

=FE;J7EK<@C<E ;@M@;<E;<E

<IKIs><!7LJ!@EM<JKD<EK)

=FE;J7EK<@C<E

EXe[\cjXbk`mX / x 0 x

Wli!S\i� l�\ile^!m\i]� ^YXi\!]`eXeq`\cc\!S\id� ^\ejn\ik\ 7 / /4 x

Bi]fc^jn`ibjXd!qld!Y\`qlc\^\e[\e!W\`kn\ik!Y\n\ik\k\!]`eXeq`\cc\!S\id� ^\ejn\ik\ x x x 6

C`eXeqXecX^\e 1 U 3 U

JLDD< -. - ./ 4

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

-26MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

8Q_MUX^!d`]!<QbUZZ'!`ZP!JQ]X`^_]QOTZ`ZS!$;DFHG9HLIC<%

$1%!=MZPQX^Q]SQNZU^$BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

8<N<IKLE>J)><N@EE<

M<IB7L=J)><N@EE<

8<N<IKLE>J)M<ICLJK<

M<IB7L=J)M<ICLJK< <I><8E@J <I><8E@J

?R_UV]dR\eZgR -21 .3, p 5, p-22 -35 -20

PZ_lc[`ejkild\ek\ 22 50 x02 x6 62 /36

B`^\ebXg`kXc`ejkild\ek\ 43 /5 x44 x/2 / 6

Fem\jkd\ek]fe[jXek\`c\ x x x x x x/

Hi\[`k\ x x x x x x

Pfejk`^\ 34 /60 x x/21 72 x/

?R_UV]daRddZgR p / p1 p3 p 5 p-4

PZ_lc[`ejkild\ek\ x x x x x x

B`ecX^\e x x x x x x/

Pfejk`^\ x 1 x3 x5 x 7 x/5

J`_deZXV!WZ_R_kZV]]V!MVc^xXV_dhVceV!f_U!MVcSZ_U]ZTY\VZeV_6!NwYcf_Xdf^cVTY_f_XdUZWWVcV_kV_ O O O O /00 .,

;VcZgReV /-3 0-, p//. p.4- p.33 -,5

C`eXeq[\i`mXk\ 1/5 176 x110 x010 x02. 6.

K^P!EMR^UNSW\][^VOW]O!^WN!JSW\\k]bO -*, ,1* f-,* f+3* 0- 1.

K^P!9SQOWTKYS]KUSW\][^VOW]O!^WN!5T]SOWSWNSbO\ 1 ++* f0 f,, 23 +0

K^P!HkR[^WQOW!^WN!<XUN I I I I f-3* f,1

\XW\]SQO 2 +2 f1 f,* f, +1

Hi\[`k[\i`mXk\ x // x x27 x15 07

JLDD< 04. 24/ p0.4 p010 ./3 .31

$BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

>VhZ__V!Rfd6

CX`i+SXcl\+P`Z_\ile^j`ejkild\ek\e /5 1

XY^\j`Z_\ik\e!S\id� ^\ejn\ik\e!&CX`i+SXcl\+P`Z_\ile^jY\q`\_le^' 5 /

XY^\j`Z_\ik\e!S\iY`e[c`Z_b\`k\e!&CX`i+SXcl\+P`Z_\ile^jY\q`\_le^' x x

?VUXZ_X)>VhZ__V .0 /

MVc]fdeV!Rfd6

CX`i+SXcl\+P`Z_\ile^j`ejkild\ek\e x03 x0

XY^\j`Z_\ik\e!S\id� ^\ejn\ik\e!&CX`i+SXcl\+P`Z_\ile^jY\q`\_le^' x4 x/

XY^\j`Z_\ik\e!S\iY`e[c`Z_b\`k\e!&CX`i+SXcl\+P`Z_\ile^jY\q`\_le^' x5 x

?VUXZ_X)MVc]fdeV p/3 p0

?<;>@E>)<I><8E@J p-/ p,

$2%!;MU]'JMX`Q'5Z\M^^`ZSQZ!UY!=QPSQ'5OO[`Z_UZS

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

-36MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

8Q_MUX^!d`]!<QbUZZ'!`ZP!JQ]X`^_]QOTZ`ZS!$;DFHG9HLIC<%

$3%!<QbUZZQ!`ZP!JQ]X`^_Q!M`^!PQ]!JQ]l`kQ]`ZS!a[Z!RUZMZdUQXXQZ!!JQ]YmSQZ^bQ]_QZ!`ZP!RUZMZdUQXXQZ!JQ]NUZPXUOTWQU_QZ

$BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

><N@EE< M<ICLJK< <I><8E@J ><N@EE< M<ICLJK< <I><8E@J

=Z_R_kZV]]V!MVc^xXV_dhVceV

Cfi[\ile^\e!Xe!Hi\[`k`ejk`klk\ x x x x x x

Cfi[\ile^\e!Xe!Hle[\e 3 x6 x1 4 x/ 3

Wli!S\i� l�\ile^!m\i]� ^YXi\!]`eXeq`\cc\!S\id� ^\ejn\ik\ 07 x7 0. 72 x15 35

EMR^UNSW\][^VOW]O +- f 3 . +. f+. f+

9SQOWTKYS]KUSW\][^VOW]O +0 f +0 13 f,, /1

>W_O\]VOW]PXWN\KW]OSUO f f f + f +

?[ONS]O f f f f f f

?`j!qli!Be[]� cc`^b\`k!ql!_Xck\e[\!C`eXeq`em\jk`k`fe\e x x x x x0 x0

7BK@M7 /1 p-3 -4 -,, p0, 2,

=Z_R_kZV]]V!MVcSZ_U]ZTY\VZeV_

S\iY`e[c`Z_b\`k\e!^\^\e� Y\i!Hi\[`k`ejk`klk\e x x x x x x

S\iY`e[c`Z_b\`k\e!^\^\e� Y\i!Hle[\e x x x x x x

S\iYi`\]k\!S\iY`e[c`Z_b\`k\e x x x x x x

G7JJ@M7 p p p p p p

JLDD< /1 p-3 -4 -,- p0, 2,

$+*%!9]SQNZU^!PQ]!Q]R[XS^bU]W^MY!d`Y!NQUd`XQSQZPQZ!LQU_bQ]_!NQbQ]_Q_QZ!!RUZMZdUQXXQZ!JQ]YmSQZ^bQ]_Q!`ZP!RUZMZdUQXXQZ!JQ]NUZPXUOTWQU_QZ

$BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

8<N<IKLE>J)><N@EE<

M<IB7L=J)><N@EE<

8<N<IKLE>J)M<ICLJK<

M<IB7L=J)M<ICLJK< <I><8E@J <I><8E@J

=Z_R_kZV]]V!MVc^xXV_dhVceV 0/ / p. p- 0/ p1

PZ_lc[`ejkild\ek\ 0 x x x 0 0

B`^\ebXg`kXc`ejkild\ek\ x x x x x x

Fem\jkd\ek]fe[jXek\`c\ 2/ 0 x0 x/ 2/ x6

Hi\[`k\ x x x x x x

=Z_R_kZV]]V!MVcSZ_U]ZTY\VZeV_ /1 . p.- p. -/ p-,,

PZ_lc[`ejkild\ek\ 13 0 x0/ x0 /1 x/..

S\iY`e[c`Z_b\`k\e!^\^\e� Y\i!Hi\[`k`ejk`klk\e x x x x x x

S\iY`e[c`Z_b\`k\e!^\^\e� Y\i!Hle[\e x x x x x x

=Z_R_kZV]]V!MVc^xXV_dhVceV!f_U!WZ_R_kZV]]V!MVcSZ_U]ZTY\VZeV_!Z_!=cV^UhwYcf_X6!NwYcf_Xdf^cVTY_f_XdUZWWVcV_kV_ O O O O p p

BcVUZe)!f_U!=Z_R_kUVcZgReV .- . p25 p. p04 -,,

JLDD< 55 3 p 5. p1 5 p1

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

.*6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

8Q_MUX^!d`]!<QbUZZ'!`ZP!JQ]X`^_]QOTZ`ZS!$;DFHG9HLIC<%

$++%!KQ]_NQ]UOT_US`ZSQZ

HN[]KN[RLQ]RP^WPNW!J^O!9X[MN[^WPNW $BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

QL=u?ILE>!QL!N<IK8<I@9?K@>LE><E 7L=CtJLE>!MFE!N<IK8<I@9?K@>LE><E

<@EQ<CN<IK)8<I@9?K@>LE><E

;@I<BK)78J9?I<@8LE><E JFEJK@><

GFIK=FC@FN<IK)8<I@9?K@>LE><E!

<@EQ<CN<IK)8<I@9?K@>LE><E

GFIK=FC@FN<IK)8<I@9?K@>LE><E JLDD< JLDD<

Cfi[\ile^\e!Xe!Hi\[`k`ejk`klk\ x x0 x 7 x 5 x6

Cfi[\ile^\e!Xe!Hle[\e x0. x/,225 x/6 217 /35 x667 x 765

JLDD< p., p-*005 p-4 003 -13 p44. p 550

HN[]KN[RLQ]RP^WPNW!J^O!\XW\]RPN!9RWJWbPN\LQhO]N $BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

QL=u?ILE>!QL!N<IK8<I@9?K@>LE><E 7L=CtJLE>!MFE!N<IK8<I@9?K@>LE><E

<@EQ<CN<IK)8<I@9?K@>LE><E

;@I<BK)78J9?I<@8LE><E JFEJK@><

GFIK=FC@FN<IK)8<I@9?K@>LE><E!

<@EQ<CN<IK)8<I@9?K@>LE><E

GFIK=FC@FN<IK)8<I@9?K@>LE><E JLDD< JLDD<

~Y\iefdd\e\!DXiXek`\e x x01 x0 /0 0 x/0 x/7

Hi\[`k[\i`mXk\ x x x x x x x

?\i\`kjk\ccle^jm\ig]c`Z_kle^\e x x/ x/ / / x x

Pfejk`^\!D\jZ_� ]k\ x x1 x 1 x x x

JLDD< p p.3 p/ -2 / p-- p.,

HN[]KN[RLQ]RP^WPNW!J^O!b^[!GN[h^gN[^WP!_N[OjPKJ[N!ORWJWbRNUUN!GN[ViPNW\`N[]N $BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

QL=u?ILE>!QL!N<IK8<I@9?K@>LE><E 7L=CtJLE>!MFE!N<IK8<I@9?K@>LE><E<@EQ<CN<IK8<I@9?K@>LE><E

;@I<BK78J9?I<@8LE><E JFEJK@><<@EQ<CN<IK)

8<I@9?K@>LE><E JLDD< JLDD<

PZ_lc[`ejkild\ek\ x x / / x6

B`^\ebXg`kXc`ejkild\ek\ x0 x o x0 x

Fem\jkd\ek]fe[jXek\`c\ x x x x x1

Cfi[\ile^\e!Xe!Hi\[`k`ejk`klk\ x x x x x

Cfi[\ile^\e!Xe!Hle[\e x x x x x

JLDD< p. p - p, p-,

$BU[!e%

! -*-*p/,*2*.,-, -*-*p/,*2*.,,5

DZeRcSVZeVc p 5/. p 5/5

I� _e\!le[!D\_� ck\i x455 x464

Pfq`XcXl]nXe[ x/16 x/16

>Y]\ik`^le^\e x x0

>l]n\e[le^\e!]� i!Pfq`Xcc\`jkle^\e x04 x00

Afk`\ile^![\i!>Y]\ik`^le^ji� Zbjk\ccle^ x x/1

Afk`\ile^![\i!M\ej`feji� Zbjk\ccle^!le[!� _ec`Z_\i!O� Zbjk\ccle^\e x/// x/.2

WX_cle^\e!Xe!M\ej`fejbXjj\e x/2 x/3

>l]n\e[le^\e!]� i!Xbk`\eYXj`\ik\!S\i^� kle^\e x x1

Pfejk`^\!I\`jkle^\e!]� i!J`kXiY\`k\i x2/ x06

O� Zb\ijkXkkle^!mfe!S\i^� kle^\e(' 53 5.

J`_deZXV p-2 p.3

JLDD< p 504 p 522

('!AXi`e!\ek_Xck\e!j`e[!O� Zb\ijkXkkle^\e!mfe!M\ijfeXcXl]n\e[le^\e!]� i!e`Z_k!`d!Hfeq\ie!k� k`^\!?Xeb!>ljki`X!J`kXiY\`k\i,!

$+,%!EQ]^[ZMXM`RbMZP

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

.+6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

8Q_MUX^!d`]!<QbUZZ'!`ZP!JQ]X`^_]QOTZ`ZS!$;DFHG9HLIC<%

$+-%!5ZPQ]Q!JQ]bMX_`ZS^M`RbQZP`ZSQZ$BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

@_UZcV\eV!JeVfVc_!f_U!7SXRSV_ p./ p-1

7_UVcV!7fWhV_Uf_XV_ p3-0 p21/

T\iYle^*!JXib\k`e^!le[!Hfddle`bXk`fe x37 x30

Hi\[`ki`j`bfY\qf^\e\!>l]n\e[le^\e x/4 x5

M\ijfeXcY\qf^\e\!>l]n\e[le^\e x06 x03

>l]n\e[le^\e!]� i!Fe]fidXk`fej+!le[!Hfddle`bXk`fejk\Z_e`b!&F@Q' x/7. x0.7

EfefiXi\!]� i!?\iXkle^!le[!O\Z_kj[`\ejkc\`jkle^\e x01 x01

>l]n\e[le^\e!]� i!Dile[jk� Zb\!le[!D\Y� l[\ x/41 x/43

Pfejk`^\!>l]n\e[le^\e x011 x/50

JLDD< p3/3 p224

$BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

;FK@<ILE> 7L=CtJLE> JLDD< JLDD<

J`_deZXV!IyT\deV]]f_XV_

O\Z_kjjki\`k`^b\`k\e x51 1 x5. x0

M\ijfeXcXl]nXe[ x x x x

Pfejk`^\ x0/ / x0. x0/

JLDD< p 50 0 p 5, p./

$+.%!FnOW^_QXX`ZSQZ!Rn]!FQOT_^'!`ZP!6Q]M_`ZS^M`RbMZP

$BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

78J9?I<@8LE><E N<IK8<I@9?K@>LE><E QLJ9?I<@8LE><E <I><8E@J <I><8E@J

JRTYR_]RXV_

Z^!<ZXV_ef^ p-,/ p - p-,. p-,3

]� i!Y\ki`\Yc`Z_\!Klkqle^ x/./ x / x/./ x/.3

Xcj!C`eXeqXecX^\e!^\_Xck\e x/ x x x/ x1

=Z_R_kZVcf_Xd]VRdZ_X p- p p p- p-

]� i!Y\ki`\Yc`Z_\!Klkqle^ x/ x x x/ x/

Xcj!C`eXeqXecX^\e!^\_Xck\e x x x x x

JLDD< p-,0 p - p-,0 p-,5

$+/%!EXMZYlkUSQ!`ZP!M`kQ]\XMZYlkUSQ!5N^OT]QUN`ZS!M`R!GMOTMZXMSQZ

$BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

78J9?I<@8LE><E N<IK8<I@9?K@>LE><E QLJ9?I<@8LE><E <I><8E@J <I><8E@J

@^^ReVcZV]]V!MVc^xXV_dhVceV

@^!<ZXV_ef^ p12 p - p11 p13

mfd!Rek\ie\_d\e!j\cYjk!^\jZ_X]]\e x0 x x x0 x/6

jfejk`^\!`ddXk\i`\cc\!S\id� ^\ejn\ik\ x32 x / x31 x17

=Z_R_kZVcf_Xd]VRdZ_X p p p p p

JLDD< p12 p - p11 p13

$+0%!EXMZYlkUSQ!`ZP!M`kQ]\XMZYlkUSQ!5N^OT]QUN`ZS!M`R!UYYM_Q]UQXXQ!JQ]YmSQZ^bQ]_Q

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

.,6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

8Q_MUX^!d`]!<QbUZZ'!`ZP!JQ]X`^_]QOTZ`ZS!$;DFHG9HLIC<%

DXW\]RPN!KN][RNKURLQN!4^O`NWM^WPNW $BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

>l]n\e[le^\e!]� i!Lg\iXk`e^+I\Xj`e^ x x

RdYlZ_le^!mfe!D\n`ee\e-S\icljk\e!Xlj!@Xj_]cfn+E\[^\j!]� i!e`Z_k!]`eXeq`\cc\!S\id� ^\ejn\ik\!le[!!S\iY`e[c`Z_b\`k\e!mfd!B`^\ebXg`kXc!`e![Xj!Bi^\Ye`j!&F>P!17*!MXiX^iXg_!76X' x x

K`Z_k!XYql^j]� _`^\!Pk\l\ie!le[!Xe[\i\!>Y^XY\e x/ x/

T\ikd`e[\ile^!mfe!S\iY\jj\ile^\e!Xe!T`ikjZ_X]kj^� k\ie!Ai`kk\i x/ x

J`k!C`eXeq`\ile^jc\Xj`e^!m\iYle[\e\!>l]n\e[le^\e x x

Pfejk`^\ x3/ x05

JFEJK@><!8<KI@<8C@9?<!7L=N<E;LE><E p1. p.4

$+1%!GMXP[!^[Z^_USQ!NQ_]UQNXUOTQ!9]_]lSQ!`ZP!5`RbQZP`ZSQZ

DXW\]RPN!KN][RNKURLQN!8[][hPN $BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

<cdeReef_X!g`_!7fWhV_Uf_XV_ - -

J`_deZXV!<cecwXV -.. --2

Biki� ^\!Xlj!S\inXckle^j[`\ejkc\`jkle^\e 4/ /.0

RdYlZ_le^![\i!?\n\ikle^ji� ZbcX^\!]� i!@Xj_]cfn+E\[^\j!]� i!e`Z_k!]`eXeq`\cc\!S\id� ^\ejn\ik\!le[!S\iY`e[c`Z_b\`k\e x x

J`\k\iki� ^\!Xlj!Xcj!C`eXeqXecX^\e!^\_Xck\e\e!Dile[jk� Zb\e!le[!D\Y� l[\e!&eXZ_!>Yql^!mfe!?\ki`\Yjbfjk\e' 5 6

Biki� ^\!Xlj!Lg\iXk`e^+I\Xj`e^ x /

BijkXkkle^!mfe!>l]n\e[le^\e!`e!SfiaX_i\e 0 0

Biki� ^\!Xlj!C`eXeq`\ile^jc\Xj`e^ x x

Pfejk`^\ 30 1

JFEJK@><!8<KI@<8C@9?<!<IKIs>< -./ --3

J7C;F!JFEJK@><!8<KI@<8C@9?<!<IKIs><!LE;!7L=N<E;LE><E 3- 44

$BU[!e%

! -*-*p/,*2*.,-, -*-*p/,*2*.,,5

>cf_UdeyT\V!f_U!>VSwfUV

S\i� l�\ile^j^\n`ee\ 4 4

S\i� l�\ile^jm\icljk\ x x

J`_deZXV!MVc^xXV_dhVceV

S\i� l�\ile^j^\n`ee\ /4 2

S\i� l�\ile^jm\icljk\ x0 x/

JLDD< ., 5

$+2%!<QbUZZQ!`ZP!JQ]X`^_Q!M`^!PQ]!JQ]l`kQ]`ZS!a[Z!;UZMZdMZXMSQZ

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

.-6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

8Q_MUX^!d`]!6UXMZd

! $BU[!e%

!/,*2*.,-, /-*-.*.,,5

=7@I!M7CL<!C<M<C!-

=7@I!M7CL<!C<M<C!.

=7@I!M7CL<!C<M<C!/ JLDD< JLDD<

EZTYe)UVcZgReZgV!=Z_R_kZ_decf^V_eV -*415 331 00 .*233 .*1,/

PZ_lc[`ejkild\ek\ /,600 552 21 0,417 0,070

E][^T]^[SO[]O!HO[]YKYSO[O / f f / 0

EXW\]SQO!EMR^UNSW\][^VOW]O +(2+1 11. .- ,(0-. ,(,20

B`^\ebXg`kXc`ejkild\ek\ 04 x / 05 /2

Fem\jkd\ek]fe[jXek\`c\ // x x // /75

Hi\[`k\ x x x x x

BOW\SXW\QO\MRkP]O!#DOYX\$ f f f f f

EXW\]SQO f f f f f

;VcZgReZgV!=Z_R_kZ_decf^V_eV / .*44. 00 .*5.5 -*2/0

C`eXeq[\i`mXk\ 1 0,66. 22 0,704 /,410

=KWNOU - ,(11- .. ,(2+3 +(0-*

;KS['GKU^O'AY]SXW f f f f f

EXW\]SQO f +*1 f +*1 ,

Hi\[`k[\i`mXk\ x 0 / 1 /

=KWNOU f , + - +

;KS['GKU^O'AY]SXW f f f f f

EXW\]SQO f f f f f

JLDD< -*42. /*213 44 1*2,3 0*-/3

$+3%!=MZPQX^MW_UaM

$,*%!9]R[XS^bU]W^MY!d`Y!NQUd`XQSQZPQZ!LQU_bQ]_!NQbQ]_Q_Q!RUZMZdUQXXQ!JQ]YmSQZ^bQ]_Q! $BU[!e%

!/,*2*.,-, /-*-.*.,,5

=7@I!M7CL<!C<M<C!-

=7@I!M7CL<!C<M<C!.

=7@I!M7CL<!C<M<C!/ JLDD< JLDD<

PZ_lc[`ejkild\ek\ // /07 35 /75 /54

E][^T]^[SO[]O!HO[]YKYSO[O f f f f f

EXW\]SQO!EMR^UNSW\][^VOW]O ++ +,3 /1 +31 +10

B`^\ebXg`kXc`ejkild\ek\ /5 x x /6 /6

Fem\jkd\ek]fe[jXek\`c\ x x 031 031 12

Hi\[`k\ x x / / 4

E][^T]^[SO[]O!?[ONS]O f f f f f

EXW\]SQO f f + + 0

JLDD< .5 -.5 /-- 025 ./1

Fe![`\j\i!Mfj`k`fe!j`e[!>bk`mX!Xlj^\n`\j\e*!]� i!n\cZ_\![`\!?Xeb!>ljki`X!qli!S\id\`[le^!mfe!Febfe^il\eq\e!Y\`![\i!?\n\ikle^!mfe!n`ikjZ_X]kc`Z_!ql+jXdd\e_� e^\e[\e!>bk`m\e!le[!MXjj`m\e!mfe![\i!J� ^c`Z_b\`k![\i!A\j`^eXk`fe!qli!\i]fc^jn`ibjXd\e!?\n\ikle^!qld!Y\`qlc\^\e[\e!W\`kn\ik!D\YiXlZ_!^\dXZ_k!_Xk,!Bj!_Xe[\ck!j`Z_![XY\`!`d!T\j\ekc`Z_\e!ld!bfdgc\o\!Pkilbkli\e!d`k!\`e^\Y\kk\e\e!A\i`mXk\e!&\dY\[[\[![\i`mXk`m\j',!

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

..6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

8Q_MUX^!d`]!6UXMZd!$;DFHG9HLIC<%

$,+%!L`]!JQ]l`kQ]`ZS!aQ]RnSNM]Q!RUZMZdUQXXQ!JQ]YmSQZ^bQ]_Q! $BU[!e%

!/,*2*.,-, /-*-.*.,,5

=7@I!M7CL<!C<M<C!-

=7@I!M7CL<!C<M<C!.

=7@I!M7CL<!C<M<C!/ JLDD< JLDD<

PZ_lc[`ejkild\ek\ 1,603 4,4.7 /,5.. /0,/11 /.,///

E][^T]^[SO[]O!HO[]YKYSO[O f + .+3 .,* .,.

EXW\]SQO!EMR^UNSW\][^VOW]O -(2,/ 0(0*2 +(,2+ ++(1+- 3(021

B`^\ebXg`kXc`ejkild\ek\ 32 /73 042 3/1 263

b^V!LOSb^UOQOWNOW!JOS]`O[]!LO`O[]O] /. +3/ ,/. /*- .10

b^!5W\MRKPP^WQ\TX\]OW!LO`O[]O] f f +* +* 3

Fem\jkd\ek]fe[jXek\`c\ 0. 76 54 /72 01.

Hi\[`k\ x x x x x

JLDD< /*455 2*5,. .*,0, -.*40- -,*4.2

$,,%!6U^!d`]!9ZPRlXXUSWQU_!d`!TMX_QZPQ!;UZMZdUZaQ^_U_U[ZQZ! ! ! $BU[!e%

!/,*2*.,-, /-*-.*.,,5

8L9?N<IK=7@I!M7CL<!

C<M<C!-=7@I!M7CL<!

C<M<C!.=7@I!M7CL<!

C<M<C!/ =7@I!M7CL< 8L9?N<IK =7@I!M7CL<

PZ_lc[`ejkild\ek\ 3,0/. 1,.03 /,7/7 2./ 3,123 3,.45 3,/73

E][^T]^[SO[]O!HO[]YKYSO[O f f f f f f f

EXW\]SQO!HO[]YKYSO[O /(,+* -(*,/ +(3+3 .*+ /(-./ /(*01 /(+3/

Hi\[`k\ x x x x x x x

JLDD< 1*.-, /*,.1 -*5-5 0,- 1*/01 1*,23 1*-51

$,-%!;[]PQ]`ZSQZ!MZ!@]QPU_UZ^_U_`_Q! ! ! $BU[!e%

!/,*2*.,-, !/-*-.*.,,5

=`cUVcf_XV_!R_!QV_ecR]_`eV_SR_\V_ 1*,21 1*..1

Q\id`e\`ecX^\e 627 070

J`e[\jki\j\im\ 1,75. 2,204

M\ej`fej^\jZ_� ]k\!&O\gfj' /// 242

Pfejk`^\ /12 21

=`cUVcf_XV_!R_!BcVUZeZ_deZefeV -5*1-- -3*41-

D`ifbfek\e!le[!P`Z_k\`ecX^\e 4,777 0,1/3

Q\id`e\`ecX^\e 6,500 /.,7.6

Pfejk`^\!Cfi[\ile^\e 1,57. 2,406

BOW\SXW\QO\MRkP]O!#DOYX\$ 10+ +(11-

;SWKWbSO[^WQ\UOK\SWQ f f

EXW\]SQO -(*,3 ,(2//

PZ_lc[`ejkild\ek\ x x

E][^T]^[SO[]O!EMR^UNSW\][^VOW]O! f f

EXW\]SQO f f

JLDD<!$8L9?N<IK% .0*131 ./*,32

JLDD<!$=7@I!M7CL<% .0*42, ./*/,1

Fe![\e!Cfi[\ile^\e!XY^\qf^\e\!Hi\[`ki`j`bfmfijfi^\ 45 77

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

./6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

8Q_MUX^!d`]!6UXMZd!$;DFHG9HLIC<%

$,.%!;[]PQ]`ZSQZ!MZ!@`ZPQZ! ! ! $BU[!e%

/,*2*.,-, !/-*-.*.,,5

E@9?K!N<IK><D@E;<IK N<IK><D@E;<IK KFK7C KFK7C

D`ifbfek\e /1,./2 /66 /1,0.0 /0,712

M\ej`fej^\jZ_� ]k\ /.3 x /.3 0.1

Epgfk_\bXibi\[`k\ 00,663 /,206 02,1/1 00,75/

Hi\[`kbXik\e!le[!Mi`mXkbi\[`k\*!!\`ejZ_c`\�c`Z_![liZ_!cXl]\e[\j!B`ebfdd\e!Y\j`Z_\ik\!Hi\[`k\ 6,63/ /36 7,..6 6,170

C`eXeq`\ile^jc\Xj`e^ 153 1/ 2.4 2.5

CXZkfi`e^ 6.1 4 6.7 562

Pfejk`^\!D\jZ_� ]k\ 53,44/ 2,0/7 57,66. 53,654

PZ_lc[`ejkild\ek\ /,732 30 0,..4 0,.12

E][^T]^[SO[]O!HO[]YKYSO[O f f f f

EXW\]SQO!EMR^UNSW\][^VOW]O +(3/. /, ,(**0 ,(*-.

JLDD<!$8L9?N<IK% -./*202 2*,4/ -.5*3/, -./*2,.

JLDD<!$=7@I!M7CL<% -.0*/-, 2*-41 -/,*051 -.1*45-

Fe![\e!Cfi[\ile^\e!XY^\qf^\e\!Hi\[`ki`j`bfmfijfi^\ 57. 3,564 4,354 3,47/

$,0%!GMOTMZXMSQZ$BU[!e%

!/,*2*.,-, !/-*-.*.,,5

JRTYR_]RXV_!Wyc!SVecZVS]ZTYV!Efekf_X -*515 -*5,0

Z^!<ZXV_ef^ -*5-, -*41.

Dile[jk� Zb\ /66 /57

D\Y� l[\ /,075 /,004

?� ifXljjkXkkle^ /23 /33

Bc\bkife`jZ_\!Ppjk\d\ /57 /6.

Pfejk`^\ /./ ///

XV]VRde 04 1.

Dile[jk� Zb\ x x

D\Y� l[\ 25 27

?� ifXljjkXkkle^ x x

Bc\bkife`jZ_\!Ppjk\d\ / 0

Pfejk`^\ / /

7]d!=Z_R_kR_]RXV_!XVYR]eV_V!MVc^xXV_dhVceV 03, /25

Z^!<ZXV_ef^ 03, /25

Dile[jk� Zb\ 013 0/2

D\Y� l[\ 013 /33

XV]VRde p p

Dile[jk� Zb\ x x

D\Y� l[\ x x

JLDD< .*0.5 .*.3/

$,/%!=QPSUZS'8Q]UaM_Q! $BU[!e%

!/,*2*.,-, /-*-.*.,,5

=7@I!M7CL<!C<M<C!-

=7@I!M7CL<!C<M<C!.

=7@I!M7CL<!C<M<C!/ JLDD< JLDD<

=Z_R_kUVcZgReV . /*-53 - /*-55 -1-

CX`i!SXcl\ 0 4/0 x 4/2 16

@Xj_]cfnj x 0,362 / 0,363 //2

K\kkf`em\jk`k`fe!`e!Xljc� e[`jZ_\!QfZ_k\ilek\ie\_d\e x x x x x

BcVUZeUVcZgReV p p p p p

CX`i!SXcl\ x x x x x

@Xj_]cfnj x x x x x

JLDD< . /*-53 - /*-55 -1-

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

.06MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

8Q_MUX^!d`]!6UXMZd!$;DFHG9HLIC<%

$,1%!>YYM_Q]UQXXQ!JQ]YmSQZ^bQ]_Q! ! $BU[!e%

!/,*2*.,-, !/-*-.*.,,5

>VdTYwWed)!f_U!=Zc^V_hVceV /*2-2 /*0-1

J`_deZXV!Z^^ReVcZV]]V!MVc^xXV_dhVceV 10- 1./

Wl!>ejZ_X]]le^jbfjk\e!Y\n\ik\k\!S\id� ^\ejn\ik\ 32/ 301

\OUL\]!QO\MRKPPOWO!SVVK]O[SOUUO!GO[VlQOW\`O[]O -, .0

\XW\]SQO!GO[VlQOW\`O[]O /*2 .11

Wld!Y\`qlc\^\e[\e!W\`kn\ik!Y\n\ik\k\!S\id� ^\ejn\ik\ x x

\OUL\]!QO\MRKPPOWO!SVVK]O[SOUUO!GO[VlQOW\`O[]O f f

\XW\]SQO!GO[VlQOW\`O[]O f f

JLDD< 0*-12 /*5/4

$,2%!L`]!JQ]l`kQ]`ZS!SQTMX_QZQ!JQ]YmSQZ^S]`\\QZ! $BU[!e%

!/,*2*.,-, !/-*-.*.,,5

<Z_kV]_V!MVc^xXV_dhVceV

C`eXeq`\cc\!S\id� ^\ejn\ik\ 02 x

>ek\`c\!Xe!Rek\ie\_d\e x x

PXZ_XecX^\e / 24

FddXk\i`\cc\!S\id� ^\ejn\ik\ x x

Pfejk`^\!cXe^]i`jk`^\!S\id� ^\ejn\ik\ x x

Jf^^V .1 02

Qfc!MVcwfvVcf_X!XVYR]eV_V!MVc^xXV_dXcfaaV_

EXe[\cjXbk`mX x //,335

Bi]fc^jn`ibjXd!qld!Y\`qlc\^\e[\e!W\`kn\ik!Y\n\ik\k\!]`eXeq`\cc\!S\id� ^\ejn\ik\ x 03

Wli!S\i� l�\ile^!m\i]� ^YXi\!]`eXeq`\cc\!S\id� ^\ejn\ik\ x 037

?`j!qli!Be[]� cc`^b\`k!ql!_Xck\e[\!C`eXeq`em\jk`k`fe\e x /

Cfi[\ile^\e!Xe!Hi\[`k`ejk`klk\ x //

Cfi[\ile^\e!Xe!Hle[\e x x

>ek\`c\!Xe!Rek\ie\_d\e x x

PXZ_XecX^\e x x

FddXk\i`\cc\!S\id� ^\ejn\ik\ x x

Pfejk`^\!>bk`mX x /,1//

Jf^^V p -/*-20

7BK@M7 .1 -/*.-,

$,3%!JQ]NUZPXUOTWQU_QZ!SQSQZnNQ]!@]QPU_UZ^_U_`_QZ! ! $BU[!e%

!/,*2*.,-, !/-*-.*.,,5

MVcSZ_U]ZTY\VZeV_!XVXV_ySVc!QV_ecR]_`eV_SR_\V_ /*411 0*/11

MVcSZ_U]ZTY\VZeV_!XVXV_ySVc!BcVUZeZ_deZefeV_ /0*-0/ .5*,,3

D`ifbfek\e!le[!P`Z_k\`ecX^\e 2,1.5 0,641

Q\id`e\`ecX^\e /1,05/ 7,234

Hi\[`k\ /4,/26 /4,004

FVQOTOR[]O!BOW\SXW\QO\MRkP]O!#DO_O[\O!DOYX\$ +(+,. +(+,0

EXW\]SQO +/(*,. +/(+*+

S\iY`e[c`Z_b\`k\e!Xlj!S\ig]c`Z_kle^\e!qld!O� ZbbXl]!\`^\e\i!>bk`\e x x

>e[\i\!S\iY`e[c`Z_b\`k\e 2/5 24/

JLDD< /3*554 //*/2.

=7@I!M7CL< /4*12/ //*144

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

.16MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

8Q_MUX^!d`]!6UXMZd!$;DFHG9HLIC<%

$-*%!JQ]NUZPXUOTWQU_QZ!SQSQZnNQ]!@`ZPQZ! ! $BU[!e%

!/,*2*.,-, !/-*-.*.,,5

D`ifbfek\e!le[!P`Z_k\`ecX^\e 20,321 17,146

Q\id`e\`ecX^\e 27,326 3.,/27

Hi\[`k\ 421 447

FVQOTOR[]O!BOW\SXW\QO\MRkP]O!#DO_O[\O!DOYX\$ ,2, -3/

EXW\]SQO -0+ ,1.

S\iY`e[c`Z_b\`k\e!Xlj!S\ig]c`Z_kle^\e!qld!O� ZbbXl]!\`^\e\i!>bk`\e 325 307

>e[\i\!S\iY`e[c`Z_b\`k\e 4,342 4,105

JLDD< 55*401 53*,0-

=7@I!M7CL< -,,*,.. 53*0,3

$-+%!JQ]N]UQR_Q!JQ]NUZPXUOTWQU_QZ! ! $BU[!e%

!/,*2*.,-, !/-*-.*.,,5

8L9?N<IK=7@I!M7CL<!

C<M<C!-=7@I!M7CL<!

C<M<C!.=7@I!M7CL<!

C<M<C!/ =7@I!M7CL< 8L9?N<IK =7@I!M7CL<

NVceaRaZVcV

PZ_lc[`ejkild\ek\ 03,44/ /,71/ 0.,373 157 00,7.3 04,542 04,354

\][^T]^[SO[] ++- f f ++- ++- 33 33

\XW\]SQO ,/(/.2 +(3-+ ,*(/3/ ,00 ,,(13, ,0(000 ,0(.11

Pfejk`^\!T\ikgXg`\i\ /,637 05 777 610 /,637 0,.36 0,.35

\][^T]^[SO[] ,1 ,1 f f ,1 ,1 ,1

\XW\]SQO +(2-, f 333 2-, +(2-+ ,(*-* ,(*-*

JLDD< .3*1., -*515 .-*150 -*.-- .0*320 .4*4.. .4*2//

$-,%!=MZPQX^\M^^UaM$BU[!e%

!/,*2*.,-, /-*-.*.,,5

=7@I!M7CL<!C<M<C!-

=7@I!M7CL<!C<M<C!.

=7@I!M7CL<!C<M<C!/ JLDD< JLDD<

=Z_R_kZV]]V!MVcSZ_U]ZTY\VZeV_ -.4 /- p -15 /3

MVcSZ_U]ZTY\VZeV_!XVXV_ySVc!BcVUZeZ_deZefeV_! -2 p p -2 p

MVcSZ_U]ZTY\VZeV_!XVXV_ySVc!Bf_UV_ --. /- p -0/ /3

JTYf]UZ_decf^V_eV p p p p p

>ec\`_\e f x x x x

\][^T]^[SO[]! f f f f f

\XW\]SQO f f f f f

Pfejk`^\!T\ikgXg`\i\ f x x x x

\][^T]^[SO[]! f f f f f

\XW\]SQO f f f f f

;VcZgReZgV!=Z_R_kZ_decf^V_eV /5 /*/35 31 /*05/ 434

=Z_R_kUVcZgReV /5 /*/,2 04 /*/5/ 434

EXe[\c , 1,1.1 26 1,132 652

CX`i+SXcl\+Lgk`fe -1 x x 15 x

Pfejk`^\ f 1 x 1 3

BcVUZeUVcZgReV p 3/ .3 -,, p

EXe[\c f 51 05 /.. x

CX`i+SXcl\+Lgk`fe f x x x x

Pfejk`^\ f x x x x

JLDD< -23 /*0-, 31 /*21/ 5-1

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

.26MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

8Q_MUX^!d`]!6UXMZd!$;DFHG9HLIC<%

$--%!9]R[XS^bU]W^MY!d`Y!NQUd`XQSQZPQZ!LQU_bQ]_!NQbQ]_Q_Q!RUZMZdUQXXQ!JQ]NUZPXUOTWQU_QZ

Fe![\i!Mfj`k`fe!j`e[!MXjj`mX!Xlj^\n`\j\e*!]� i!n\cZ_\![`\!?Xeb!>ljki`X!qli!S\id\`[le^!mfe!Febfe^il\eq\e!Y\`![\i!?\n\ikle^!mfe!n`ikjZ_X]kc`Z_!qljXdd\e+_� e^\e[\e!>bk`m\e!le[!MXjj`m\e!mfe![\i!J� ^c`Z_b\`k![\i!A\j`^eXk`fe!qli!\i]fc^jn`ibjXd\e!?\n\ikle^!qld!Y\`c\^\e[\e!W\`kn\ik!D\YiXlZ_!^\dXZ_k!_Xk,!!Bj!_Xe[\ck!j`Z_![XY\`!`d!T\j\ekc`Z_\e!ld!PZ_lc[m\ijZ_i\`Yle^\e!le[!bfdgc\o\!Pkilbkli\e!d`k!\`e^\Y\kk\k\e!A\i`mXk\e!&\dY\[[\[![\i`mXk`m\j',!AXj!?\n\i+kle^j\i^\Ye`j!Xl]^ile[![\i!S\i� e[\ile^!lej\i\i!\`^\e\e!C`eXeq`\ile^jbfjk\e!Y\ki� ^k!16*/!J`f!s!&Sa8!x00*2!J`f!s'!]� i![Xj!\ijk\!EXcYaX_i!0./.,

$BU[!e%

!/,*2*.,-, /-*-.*.,,5

=7@I!M7CL<!C<M<C!-

=7@I!M7CL<!C<M<C!.

=7@I!M7CL<!C<M<C!/ JLDD< JLDD<

S\iY`e[c`Z_b\`k\e!^\^\e� Y\i!Hi\[`k`ejk`klk\e x x x x x

\][^T]^[SO[]! f f f f f

\XW\]SQO f f f f f

S\iY`e[c`Z_b\`k\e!^\^\e� Y\i!Hle[\e x x x x x

\][^T]^[SO[]! f f f f f

\XW\]SQO f f f f f

PZ_lc[`ejkild\ek\ x /,575 x /,575 /,745

\][^T]^[SO[]! f +(131 f +(131 +(301

\XW\]SQO f f f f f

JLDD< p -*353 p -*353 -*523

$BU[!e%

!/,*2*.,-, /-*-.*.,,5

=7@I!M7CL<!C<M<C!-

=7@I!M7CL<!C<M<C!.

=7@I!M7CL<!C<M<C!/ JLDD< JLDD<

=Z_R_kUVcZgReV p /*1,2 .4 /*1/0 .-5

CX`i!SXcl\ x /1/ x /1/ 54

@Xj_]cfnj x 1,153 06 1,2.1 /21

K\kkf`em\jk`k`fe!`e!Xljc� e[`jZ_\!QfZ_k\ilek\ie\_d\e x x x x x

BcVUZeUVcZgReV p p p p f

CX`i!SXcl\ x x x x f

@Xj_]cfnj x x x x f

JLDD<! p /*1,2 .4 /*1/0 .-5

$-.%!=QPSUZS'8Q]UaM_Q!

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

.36MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

8Q_MUX^!d`]!6UXMZd!$;DFHG9HLIC<%

$-/%!L`]!JQ]l`kQ]`ZS!SQTMX_QZQ!JQ]NUZPXUOTWQU_QZ! $BU[!e%

!/,*2*.,-, !/-*-.*.,,5

CR_XWcZdeZXV!MVcSZ_U]ZTY\VZeV_!kfc!MVcwfvVcf_X!XVYR]eV_Vc!]R_XWcZdeZXVc!MVc^xXV_dhVceV

B`ecX^\e x x

T\ikgXg`\i\ x x

Pfejk`^\!MXjj`mX x x

Jf^^V p p

Qfc!MVcwfvVcf_X!XVYR]eV_V!MVc^xXV_dXcfaaV_

S\iY`e[c`Z_b\`k\e!^\^\e� Y\i!Hi\[`k`ejk`klk\e x x

S\iY`e[c`Z_b\`k\e!^\^\e� Y\i!Hle[\e x x

S\iYi`\]k\!S\iY`e[c`Z_b\`k\e x x

EXe[\cjgXjj`mX x 6,441

Bi]fc^jn`ibjXd!qld!Y\`cqlc\^\e[\e!W\`kn\ik!Y\n\ik\k\!]`eXeq`\cc\!S\iY`e[c`Z_b\`k\e x 13

O� Zbjk\ccle^\e x x

Pfejk`^\!MXjj`mX x /,572

Jf^^V p -,*05.

G7JJ@M7 p -,*05.

$-0%!FnOW^_QXX`ZSQZ$BU[!e%

/,*2*.,-, !/-*-.*.,,5

IyT\deV]]f_XV_!Wyc!GV_dZ`_V_!f_U!wY_]ZTYV!MVcaW]ZTYef_XV_ /*230 /*233

J`_deZXV!IyT\deV]]f_XV_ 1/2 05,

O\Z_kjjki\`k`^b\`k\e /61 /25

M\ijfeXcXl]nXe[ 2 2

Pfejk`^\ 126 117

JLDD< 0*.,5 0*-23

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

/*6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

L`^l_dXUOTQ!>;FG'>ZR[]YM_U[ZQZ

$-1%!9aQZ_`MXaQ]NUZPXUOTWQU_QZ!`ZP!@]QPU_]U^UWQZ$BU[!e%

!/,*2*.,-, !/-*-.*.,,5

uSVc_`^^V_V!=Z_R_kXRcR_eZV_!Wyc6 2*.0, 3*5--

Hi\[`k`ejk`klk\ 315 4/6

Hle[\e 3,5.2 5,071

uSVc_`^^V_V!\`^^VckZV]]V!>RcR_eZV_!Wyc6 -0*335 -.*1-4

Hi\[`k`ejk`klk\ 0,665 /,726

Hle[\e //,670 /.,35.

J`_deZXV!f_hZUVccfW]ZTYV!8VcVZedeV]]f_XdgVcaW]ZTYef_XV_ -2*,4/ -.*53-

Hi\[`k`ejk`klk\8 /,7/2 070

>WKW\Y[^MRWKRVO!\SMRO[ /* .3

>WKW\Y[^MRWKRVO!^W\SMRO[ +(20. ,.,

Hle[\e8 /2,/5. /0,46.

>WKW\Y[^MRWKRVO!\SMRO[ 0(1.. 0(,*/

>WKW\Y[^MRWKRVO!^W\SMRO[ 1(.,/ 0(.1/

QfXcf_UV]ZVXV_UV!MVcaW]ZTYef_XV_!Wyc!BcVUZeUVcZgReV6!XVXVSV_V!7SdZTYVcf_XV_ 5.- 5.3

7]d!JZTYVcYVZe!XVYR]eV_V!MVc^xXV_dhVceV!Wyc!MVcaW]ZTYef_XV_!7_UVcVc p p

J`_deZXV!MVcaW]ZTYef_XV_ /*31, /*143

JLDD< 0-*330 /3*5-1

$-2%!EQ]^[ZMX

4T]RNWKJ\RN[]N!GN[Pj]^WPA\i!SfijkXe[!le[!Xlj^\n� _ck\!C� _ile^jbi� ]k\![\i!?Xeb!>ljki`X!e\_d\e!Xd!Xbk`\eYXj`\ik\e!S\i^� kle^jdf[\cc![\i!Re`@i\[`k!Diflg!k\`c,!A`\!S\i^� +kle^jdf[\cc\!Y\ki\]]\e!>bk`\efgk`fe\e*!tM\i]fidXeZ\!P_Xi\jw!jfn`\!tO\jki`Zk\[!P_Xi\jw*![`\!j`Z_!Xl]!>bk`\e![\i!Jlkk\i^\j\ccjZ_X]k!Re`@i\[`k!P,g,>!&R@F'!Y\q`\_\e,

A\i!n`ikjZ_X]kc`Z_\!T\ik![\i!S\i^� kle^jdf[\cc\!n`i[!mfe![\i!Re`@i\[`k!\`e_\`kc`Z_!]� i![\e!D\jXdkbfeq\ie!Y\i\Z_e\k!le[![\e!Dilgg\e^\j\ccjZ_X]k\e!d`k^\k\`ck,!Fe![\i!?Xeb!>ljki`X!Dilgg\!`jk!`e!Pldd\!`d!\ijk\e!EXcYaX_i!0./.!\`e!?\kiX^!mfe!135!Qj[!s!\i^\Ye`jn`ibjXd!Y\i� Zbj`Z_k`^k,!

P\`k!0..7!nli[\e!b\`e\!e\l\e!>bk`\efgk`fejgc� e\!^\n� _ik*!\j!nli[\!Xl]!\`e!ZXj_+YXj`\ik\j!S\i^� kle^jdf[\cc!ld^\jk\cck,

$-3%!9]QUSZU^^Q!ZMOT!PQY!6UXMZd^_UOT_MSKXZ_![\d!Pk`Z_kX^![\j!Wn`jZ_\eY\i`Z_k\j!_XY\e!b\`e\!Y\i`Z_kjg]c`Z_k`^\e!Bi\`^e`jj\!jkXkk^\]le[\e,!

@R]J[KNR]N[TJYJbR]h]

D@K7I8<@K<IB7G7Q@KsK

-*!?7C8A7?I!.,-, -*!HL7IK7C!.,-, .,,5

>e^\jk\cck\ /3(2*0 4.,.21 4/,70.

>iY\`k\i +*/ /.3 /17

><J7DKB7G7Q@KsK&% 15*5-- 2,*-04 2.*,15

RSO_XW!>WUKWN 1(3+- 1(21+ 2(+.0

RSO_XW!5^\UKWN /+(332 /,(,11 /-(3+-

('!AliZ_jZ_e`kkc`Z_\!M\ijfe\eaX_i\!`e![\i!?Xeb!>ljki`X!Dilgg\!&Sfccbfejfc`[`\ile^jbi\`j'!?\jZ_� ]k`^k\i!f_e\!bXi\eq`\ik\!J`kXiY\`k\i!le[!I\_ic`e^\,

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

/+6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

L`^l_dXUOTQ!>;FG'>ZR[]YM_U[ZQZ!$;DFHG9HLIC<%

$.*%!jNQ]XQU_`ZS!<QbUZZ'!`ZP!JQ]X`^_]QOTZ`ZS!M`R!GQSYQZ_NQ]UOT_$BU[!e%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

K\kkfq`ej\ikiX^ 0,0/6 0,3.4

A`m`[\e[\e!le[!Biki� ^\!Xlj!Xk!\hl`kp!Y\n\ik\k\e!Rek\ie\_d\e 60 3/

A`m`[\e[\e!le[!� _ec`Z_\!Biki� ^\ /1 1/

KLbmQUSMR4!8S_SNOWNOW!K^\!b^!=KWNOU\b`OMTOW!QORKU]OWOW!9SQOWTKYS]KUSW\][^VOW]OW f f+

Bi^\Ye`j!Xlj!>ek\`c\e!Xe!Xjjfq``\ik\e!Rek\ie\_d\e!x![Xmfe8!Bi^\Ye`j!Xlj!>ek\`c\e!Xe!Xk!\hl`kp!Y\n\ik\k\e!Rek\ie\_d\e 47 00

QZ_dySVcdTYfdd .*/,- .*113

Mifm`j`fej� Y\ijZ_ljj 766 677

EXe[\cj\i^\Ye`j 012 05/

EXe[\cj\i^\Ye`j 015 053

b^bmQUSMR4!8S_SNOWNOW!K^\!b^!=KWNOU\b`OMTOW!QORKU]OWOW!9SQOWTKYS]KUSW\][^VOW]OW f +

;KS['GKU^O'5WYK\\^WQOW!SV!=ONQO'5MMX^W]SWQ f+- f

<O`SWWO!^WN!GO[U^\]O!K^\!5W'!^WN!GO[Tk^POW!PSWKWbSOUUO[!GO[LSWNUSMRTOS]OW f f

<O`SWWO!^WN!GO[U^\]O!K^\!O[PXUQ\`S[T\KV!b^V!LOSb^UOQOWNOW!JOS]`O[]!!LO`O[]O]OW!PSWKWbSOUUOW!GO[VlQOW\`O[]OW!^WN!GO[LSWNUSMRTOS]OW!! 3 f/

PXc[f!jfejk`^\!Y\ki`\Yc`Z_\!Biki� ^\!le[!>l]n\e[le^\e 57 74

D\n`ee\!le[!S\icljk\!Xlj!>e+!le[!S\ib� l]\e!mfe!Cfi[\ile^\e!x!e`Z_k!n\ik^\d`e[\ik x x

>Y^\^i\eqk\!Mi� d`\e 31 25

PXc[f!jfejk`^\!Biki� ^\!le[!>l]n\e[le^\e!Xlj![\d!S\ij`Z_\ile^j^\jZ_� ]k! x22 x17

Pfejk`^\!Y\ki`\Yc`Z_\!Biki� ^\!le[!>l]n\e[le^\e 5/ 66

KLbmQUSMR4!\XW\]SQO!LO][SOLUSMRO!9[][kQO!f!NK_XW4!9[\]K]]^WQ!_XW!5^P`OWN^WQOW f+ f+

b^bmQUSMR4!<O`SWWO!^WN!GO[U^\]O!K^\!NO[!GO[k^jO[^WQ!_XW!;SWKWbKWUKQOW!f!@OK\SWQQOQOW\]kWNO f f

uSVcdTYfdd!UVc!kZ_df_RSYw_XZXV_!<cecwXV -*/,- -*.22

8<KI@<8J<IKIs>< /*2,- /*4./

M\ijfeXcXl]nXe[! x 726 x 744

S\inXckle^jXl]nXe[!x!M\ijfeXcXl]nXe[ x 726 x 744

KLbmQUSMR4!>W]OQ[K]SXW\K^P`KWN f f

>e[\i\!S\inXckle^jXl]n\e[le^\e x513 x443

S\inXckle^jXl]nXe[!x!Xe[\i\!S\inXckle^jXl]n\e[le^\e x515 x446

KLbmQUSMR4!>W]OQ[K]SXW\K^P`KWN , -

BijkXkkle^!mfe!>l]n\e[le^\e!;!PXc[f!jfejk`^\!Y\ki`\Yc`Z_\!Biki� ^\!le[!>l]n\e[le^\e!x!_`\mfe8!Pfejk`^\!Y\ki`\Yc`Z_\!Biki� ^\!x!BijkXkkle^!mfe!>l]n\e[le^\e / /

>YjZ_i\`Yle^\e!le[!T\ikY\i`Z_k`^le^\e!Xl]!PXZ_XecX^\e!le[!`ddXk\i`\cc\!S\id� ^\ejn\ik\ x/37 x/43

>YjZ_i\`Yle^\e*!T\ikY\i`Z_k`^le^\e!le[!WljZ_i\`Yle^\e!Xl]!PXZ_XecX^\e! x/.2 x/.7

KLbmQUSMR4!5L\MR[OSL^WQOW&!HO[]LO[SMR]SQ^WQOW!^WN!J^\MR[OSL^WQOW!!K^P!KU\!;SWKWbKWUKQOW!QORKU]OWO!GO[VlQOW\`O[]O f f

KLbmQUSMR4!>W]OQ[K]SXW\K^P`KWN f f

>YjZ_i\`Yle^\e*!T\ikY\i`Z_k`^le^\e!le[!WljZ_i\`Yle^\e!Xl]!`ddXk\i`\cc\!S\id� ^\ejn\ik\ x33 x35

KLbmQUSMR4!>W]OQ[K]SXW\K^P`KWN f f

8<KI@<8J7L=N<E;LE><E p-*40- p-*351

8<KI@<8J><N@EE -*32- .*,.4

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

/,6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

L`^l_dXUOTQ!>;FG'>ZR[]YM_U[ZQZ!$;DFHG9HLIC<%

-*-*p/,*2*.,-, -*-*p/,*2*.,,5

>YjZ_i\`Yle^\e!Xl]!D\jZ_� ]kj+!f[\i!C`id\en\ik\ x/45 x

O� Zbjk\ccle^\e! x 7. x01

Fek\^iXk`fejXl]nXe[! x0 x1

Hi\[`ki`j`bf! x674 x/,..7

D\n`ee\!le[!S\icljk\!Xlj!>e+!le[!S\ib� l]\e!mfe!Cfi[\ile^\e x0 3

KLbmQUSMR4!<O`SWWO!^WN!GO[U^\]O!K^\!5W'!^WN!GO[Tk^POW!_XW!;X[NO[^WQOW!f!WSMR]!`O[]QOVSWNO[] f f

T\ikY\i`Z_k`^le^\e!Xl]!Cfi[\ile^\e x660 x 772

T\ikY\i`Z_k`^le^\e!Xl]!jfejk`^\!]`eXeq`\cc\!S\id� ^\ejn\ik\! x// x0.

C`eXeqXecX^\\i^\Ye`j 17 34

D\n`ee\!le[!S\icljk\!Xlj!>e+!le[!S\ib� l]\e!mfe!qli!S\i� l�\ile^!m\i]� ^YXi\e!]`eXeq`\cc\e!S\id� ^\ejn\ik\e! 0. 35

D\n`ee\!le[!S\icljk\!Xlj!>e+!le[!S\ib� l]\e!mfe!Y`j!qli!Be[]� cc`^b\`k!ql!_Xck\e[\e!C`eXeq`em\jk`k`fe\e x x/

T\ikY\i`Z_k`^le^\e!Xl]!qli!S\i� l�\ile^!m\i]� ^YXi\!]`eXeq`\cc\!S\id� ^\ejn\ik\! x x0

T\ikY\i`Z_k`^le^\e!Xl]!Y`j!qli!Be[]� cc`^b\`k!ql!_Xck\e[\!C`eXeq`em\jk`k`fe\e x x/.

b^bmQUSMR4!5L\MR[OSL^WQOW&!HO[]LO[SMR]SQ^WQOW!^WN!J^\MR[OSL^WQOW!K^P!KU\!;SWKWbKWUKQOW!QORKU]OWO!<[^WN\]mMTO!^WN!<OLk^NO f f

Bi^\Ye`j!Xlj!>ek\`c\e!Xe!Xjjfq``\ik\e!Rek\ie\_d\e 47 03

KLbmQUSMR4!9[QOLWS\!K^\!5W]OSUOW!KW!K]!OZ^S]a!LO`O[]O]OW!FW]O[WORVOW f03 f,,

D\n`ee\!le[!S\icljk\!Xlj!PXZ_XecX^\e!le[!`ddXk\i`\cc\e!S\id� ^\ejn\ik\e f+ f

D\n`ee\!le[!S\icljk\!Xlj![\i!S\i� l�\ile^!mfe!C`eXeqXecX^\e 0. 7

KLbmQUSMR4!<O`SWWO!^WN!GO[U^\]O!K^\!NO[!GO[k^jO[^WQ!_XW!;SWKWbKWUKQOW!f!@OK\SWQQOQOW\]kWNO f f

<I><8E@J!MFI!JK<L<IE 200 -*,04

BikiX^jk\l\ie! x/43 x/65

BFEQ<IEG<I@F;<Eu8<IJ9?LJJ 04, 42,

>ek\`c\!`d!?\j`kq![\i!B`^\ek� d\i![\i!?Xeb!>ljki`X 237 611

>ek\`c\!`d!Ci\d[Y\j`kq 0/ 05

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

/-6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

L`^l_dXUOTQ!>;FG'>ZR[]YM_U[ZQZ!$;DFHG9HLIC<%

$.+%!GQSYQZ_NQ]UOT_Q]^_M__`ZS?Xj`j![\i!P\^d\ekY\i`Z_k\ijkXkkle^!`jk!n`\!`e![\e!Sfig\i`f[\e![`\!`ek\ie\!Rek\ie\_d\ejY\i\`Z_ji\Z_ele^*!n\cZ_\![`\!`d!GX_i!0./.!^\^\Y\e\!!JXeX^\d\ekm\iXeknfikle^!`ee\i_XcY![\i!?Xeb!>ljki`X!Dilgg\!XYY`c[\k,!A`\!Rek\ie\_d\ejY\i\`Z_\!n\i[\e!n`\!j\cYjk� e[`^\!Rek\ie\_d\e!d`k!\`^\e\i!HXg`kXcXljjkXkkle^!le[!Bi^\Ye`jm\iXeknfikle^![Xi^\jk\cck,!AXd`k!n`i[!XlZ_![\e!Bi]fi[\ie`jj\e!mfe!FCOP!6!\ekjgifZ_\e,

AXj!Hi`k\i`ld!]� i![`\!>Y^i\eqle^![\i!Rek\ie\_d\ejY\i\`Z_\!`jk!`e!\ijk\i!I`e`\![`\!?\ki\lle^jqljk� e[`^b\`k!]� i!lej\i\!Hle[\e,

9JVRUa!"!D@8!5JWTRWPA`\!S\iXeknfikle^!]� i![`\!A`m`j`fe!CXd`cp!%!PJB!&Mi`mXkble[\e*!Hc\`e+!le[!J`kk\cY\ki`\Y\'!ld]Xjjk![Xj!D\jZ_� ]k!d`k!Mi`mXkble[\e!&Xlj^\efdd\e!!Mi`mXk\!?Xeb`e^!Hle[\e'!le[!D\jZ_� ]kjble[\e![\i!?Xeb!>ljki`X!jfn`\![Xj!Hi\[`kbXik\e^\jZ_� ]k,

B[R_J]N!5JWTRWPA\i!Mi`mXk\!?Xeb`e^!?\i\`Z_!ld]Xjjk![`\!?\ki\lle^jqljk� e[`^b\`k!]� i!Mi`mXk\!?Xeb`e^!Hle[\e!d`k!\`e\d!S\iXecX^le^jmfcld\e!^i� �\i!Xcj!3..!Qj[!s,!BY\e]Xccj!`ebcl[`\ik!`e![\i!Mi`mXk\!?Xeb`e^!A`m`j`fe!`jk![`\!PZ_f\cc\iYXeb!>D!jfn`\!n\`k\i\!bc\`e\i\!QfZ_k\i^\j\ccjZ_X]k\e,!

6X[YX[J]N!"!=W_N\]VNW]!5JWTRWPA\i!Rek\ie\_d\ejY\i\`Z_!@figfiXk\!%!Fem\jkd\ek!?Xeb`e^!ld]Xjjk![`\!P\^d\ek\!Dif�ble[\e!&Fek\ieXk`feXc\!Hfeq\ie\*!C`eXeZ`Xc!Fejk`klk`fej*!MlYc`Z!P\Zkfi'!le[!FddfY`c`\e*![Xj!D\jZ_� ]k!d`k!J`kk\cY\ki`\Y\e!le[!Hle[\e!d`k!jg\q`\cc\i!Mif[lbkelkqle^!jfn`\![`\!Qi\XjlipXbk`m`k� k\e,!Fd!Rek\ie\_d\ej+Y\i\`Z_!@figfiXk\!%!Fem\jkd\ek!?Xeb`e^!j`e[!l,X,![`\!?Xeb!>ljki`X!Tf_eYXlYXeb!>D!le[![`\!?Xeb!>ljki`X!O\Xc!Fem\jk!Dilgg\!mfcc!bfejfc`[`\ik!\ek_Xck\e,!A`\!@>F?+Q� Z_k\i!`e![\e!@BB+I� e[\ie!n\i[\e!XY![\d!/,!NlXikXc!0./.![\d!@BB+?\i\`Z_!ql^\fi[e\k,

A`\!Re`@i\[`k!@>F?!le[![`\!Re`@i\[`k!@>F?!P\Zli`k`\j!RH!Ik[,!j`e[!Y`j!Be[\!JX`!0./.!`e![\e!bfejfc`[`\ik\e!Bi^\Ye`jj\e![\i!!?Xeb!>ljki`X!Dilgg\!`e+bcl[`\ik,!KXZ_!Fek\^iXk`fe![\i!ble[\eeX_\e!Fem\jkd\ek+?Xeb`e^+>bk`m`k� k\e![\i!Re`@i\[`k!@>F?!`e![`\!?Xeb!>ljki`X!nli[\![\i!`e![\i!@>F?!m\iYc\`Y\e[\!B`^\e_Xe[\c!jfn`\![`\!Re`@i\[`k!@>F?!P\Zli`k`\j!RH!Ik[,!!`d!Gle`!0./.!!Xe![`\!Re`@i\[`k!?Xeb!J� eZ_\e!&mfidXcj!ES?'!m\ibXl]k,!!

688Fd!Rek\ie\_d\ejY\i\`Z_!@BB!j`e[![`\!`e![\i!O\^`fe!W\ekiXc+!le[!Ljk\lifgX!&\`ejZ_c`\�c`Z_!Q� ib\`!le[!HXjXZ_jkXe'!k� k`^\e!Hfdd\iqYXeb\e![\i!!?Xeb!>ljki`X!Dilgg\!\i]Xjjk,!>Y![\d!/,!NlXikXc!0./.!n\i[\e!XlZ_![`\!@BB+Q� Z_k\i![\i!@>F?![`\j\d!Rek\ie\_d\ejY\i\`Z_!ql^\fi[e\k,

6X[YX[J]N!6NW]N[Rek\i!@figfiXk\!@\ek\i!j`e[!Xcc\!jfejk`^\e!?\k\`c`^le^\e!\i]Xjjk*![`\!b\`e\d!Rek\ie\_d\ejY\i\`Z_!ql^\fi[e\k!j`e[!jfn`\!lek\i!Xe[\i\d!XlZ_![\i!Bhl`kp+?\`kiX^![\i!Re`@i\[`k!DcfYXc!I\Xj`e^*!Xe![\i![`\!?Xeb!>ljki`X!1/*./$!_� ck,!AXi� Y\i!_`eXlj!j`e[!e\Y\e!j\^d\ek� Y\i^i\`]\e[\e!Hfejfc`[`\ile^j+\]]\bk\e!Bi^\Ye`jY\`ki� ^\!XY^\Y`c[\k*![`\!e`Z_k![\e!\`eq\ce\e!Rek\ie\_d\ejY\i\`Z_\e!ql^\fi[e\k!n\i[\e!b� ee\e,

BQ_T[PQZNQ^OT]QUN`ZSA`\!>l]jgXckle^![\j!W`ej� Y\ijZ_ljj\j!\i]fc^k!eXZ_![\i!JXibkq`ejd\k_f[\,!A`\!Xe^\]Xcc\e\e!Hfjk\e!n\i[\e!m\ilijXZ_le^j^\i\Z_k![\e!\`eq\ce\e!!Rek\ie\_d\ejY\i\`Z_\e!ql^\i\Z_e\k,!

A\i!Bi]fc^![\j!a\n\`c`^\e!Rek\ie\_d\ejY\i\`Z_\j!n`i[!Xe![\d!mfe![`\j\d!P\^d\ek!\in`ikjZ_X]k\k\e!Bi^\Ye`j!mfi!Yqn,!eXZ_!Pk\l\ie!mfi!>Yql^![\i!J`e[\i_\`k\e!^\d\jj\e,

A\i![\e!P\^d\ek\e!]� i![`\!S\iXecX^le^![\j!B`^\ebXg`kXcj!qlqli\Z_e\e[\!Mifq\ekjXkq!n`i[!`d!OX_d\e![\j!?l[^\k`\ile^jgifq\jj\j!]� i!\`e!GX_i!`d!mfiXlj!]\jk^\c\^k!le[!j\kqk!j`Z_!Xlj!\`e\d!ti`j`bf]i\`\ew!W`ejjXkq!jfn`\!\`e\d!>l]jZ_cX^*![\i![\d![liZ_jZ_e`kkc`Z_\e!3+GX_i\j!@AP!PXkq![\i!Re`@i\[`k!\ekjgi`Z_k*!qljXdd\e,

A`\!Lm\i_\X[bfjk\e!n\i[\e!\ekjgi\Z_\e[!\`e\d!^ilgg\e\`e_\`kc`Z_\e!S\ik\`cle^jjZ_c� jj\c!&3.$!Hfjk\e*!0.$!Biki� ^\*!0.$!M\ijfe\eaX_i\!le[!!/.$!gifgfik`feXc'!Xl]![`\!\`eq\ce\e!Rek\ie\_d\ejY\i\`Z_\!m\ik\`ck,

Fd!GX_i!0./.!n\i[\e![`\!D\jZ_� ]kj]\c[\i![\i!?Xeb!>ljki`X!>D!d`k!bXcblcXkfi`jZ_\d!B`^\ebXg`kXc!\ekjgi\Z_\e[![\i!Q`\i!/+OXk`f!mfe!4*5$!Xl]!?Xj`j![\i!^\gcXek\e!O`jb!T\`^_k\[!>jj\kj!^\d� �!?Xj\c!FFx?\jk`ddle^\e!Xlj^\jkXkk\k,!A`\!QfZ_k\i^\j\ccjZ_X]k\e!n\i[\e!e`Z_k!d`k!bXcblcXkfi`jZ_\d*!jfe+[\ie!d`k!kXkj� Z_c`Z_\d!FCOP+HXg`kXc!\`eY\qf^\e,!A`\!>lj^c\`Z_jgfj`k`fe!qld!bfejfc`[`\ik\e!FCOP+HXg`kXc![\i!?Xeb!>ljki`X!Dilgg\!n`i[!`d!@figfiXk\!@\ek\i![Xi^\jk\cck,!

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

/.6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

L`^l_dXUOTQ!>;FG'>ZR[]YM_U[ZQZ!$;DFHG9HLIC<%

FQ^_M_QYQZ_!,**34Fd!GX_i!0./.!^XY!\j!qX_ci\`Z_\!jkilbkli\cc\!S\i� e[\ile^\e!`ee\i_XcY![\i!Rek\ie\_d\ejY\i\`Z_\!jfn`\!|e[\ile^\e!`d!Hfejfc`[`\ile^jbi\`j*![`\![`\!n`ikjZ_X]kc`Z_\!S\i^c\`Z_YXib\`k![\i!Bi^\Ye`jj\!0./.!ql!0..7!Y\\`eki� Z_k`^\e,!>lj![`\j\d!Dile[!n\i[\e![`\!j\^d\ek`\ik\e!Bi^\Ye`jj\!0..7!`e!\`e\i!Mif+]fidX+O\Z_ele^![Xi^\jk\cck,!A`\!A`]]\i\eq!qld!?Xeb+>ljki`X+D\jXdk\i^\Ye`j!0..7!n`i[!`e!\`e\i!\`^\e\e!PgXck\!tO\jkXk\d\ek!A`]]\i\eq\ew!Xlj+^\n`\j\e,!

A`\!n\j\ekc`Z_jk\e!Mif+]fidX+>egXjjle^\e!]� i!0..7!j`e[8"!A`\!Re`@i\[`k!@>F?!le[![`\!Re`@i\[`k!@>F?!P\Zli`k`\j!RH!Ik[,!nli[\e!`d!Gle`!0./.!Xe![`\!Re`@i\[`k!?Xeb!J� eZ_\e!&mfidXcj!ES?'!m\ibXl]k!le[!!j`e[![X_\i!`e![\i!Mif+]fidX+O\Z_ele^!0..7!\Y\e]Xccj!eli!3!JfeXk\!\ek_Xck\e,!A`\!Fek\^iXk`fe![\j!ble[\eeX_\e!Fem\jkd\ek+?Xeb`e^+D\jZ_� ]kj!`e!![`\!?Xeb!>ljki`X!>D!nli[\!\Y\e]Xccj!`e![\i!Mif+]fidX+O\Z_ele^!0..7!eXZ_mfccqf^\e,!!!"!A`\!@>F?+Q� Z_k\i!`e![\e!@BB+I� e[\ie!nli[\e!XeXcf^!ql!0./.!mfe!@figfiXk\!%!Fem\jkd\ek!?Xeb`e^!Xe![\e!Rek\ie\_d\ejY\i\`Z_!@BB!� Y\ikiX^\e,"!A`\!O\fi^Xe`jXk`fe![\j!Mi`mXk\!?Xeb`e^!?\i\`Z_j!`d!2,!NlXikXc!0..7*!mfi!Xcc\d![`\!Hle[\e� Y\ikiX^le^!mfe!O\kX`c!ql!Mi`mXk\!?Xeb`e^*!nli[\!]� i!Xcc\!NlXikXc\!0..7!eXZ_mfccqf^\e,"!A`\!T>SB!nli[\!`d!JX`!0..7!Xe![`\!RDFP!&Re`@i\[`k!DcfYXc!Fe]fidXk`fe!P\im`Z\j!P,g,>,'!m\ibXl]k!le[!`jk![X_\i!`e![\i!Mif+]fidX+O\Z_ele^!0..7!e`Z_k!d\_i!\ek_Xck\e,"!A`\!XY!0./.!^\� e[\ik\!Wlfi[ele^jcf^`b![\i!Lm\i_\X[bfjk\e!nli[\!XlZ_!0..7!Xe^\n\e[\k,"!A`\!A\gfkYXeb\iki� ^\!n\i[\e!XY!0./.!e`Z_k!d\_i![\e!S\iki`\Yj[`m`j`fe\e!ql^\i\Z_e\k*!jfe[\ie!XljjZ_c`\�c`Z_![\i!XYn`Zb\ce[\e!>Yk\`cle^!`e!!@figfiXk\!%!Fem\jkd\ek!?Xeb`e^!ql^\fi[e\k,!>lZ_!_`\i!nli[\e![`\!S\i^c\`Z_jn\ik\!0..7!\ekjgi\Z_\e[!Xe^\gXjjk,

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

//6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

L`^l_dXUOTQ!>;FG'>ZR[]YM_U[ZQZ!$;DFHG9HLIC<%

DNPVNW]KN[RLQ]N[\]J]]^WP!Z^J[]JU\`NR\N $BU[!e%

=7D@CP!#!JD<!87EB@E>!;@M@J@FE

GI@M7K<!87EB@E>!;@M@J@FE

9FIGFI7K<!#!@EM<JKD<EK!

87EB@E>!;@M@J@FE

9<EKI7C!<7JK<IE!<LIFG<!;@M@J@FE

9FIGFI7K<!9<EK<I

I<JK7K<D<EK)!;@==<I<EQ<E!-%

87EB!7LJKI@7!>ILGG<

QZ_dySVcdTYfdd H.!.,-, -22 -- .04 4-5 p2- p -*-4/H-!.,-, -20 -, ..2 34- p20 p -*--4H0!.,,5 -3. -/ .0- 33. p-,2 0. -*-//H/!.,,5 -3- -2 .10 3/5 p-,4 --1 -*-42H.!.,,5 -21 -2 /3/ 3/3 p-.1 12 -*...H-!.,,5 -4, -. 022 312 p4/ 0 -*//1

Mifm`j`fej� Y\ijZ_ljj N0!0./. /.7 03 70 075 x2 x 3/6N/!0./. /./ 03 6. 05. x4 x 25.N2!0..7 /.0 02 60 06/ x6 /4 275N1!0..7 71 01 40 043 x/. 0 214N0!0..7 72 01 42 041 x2 1 220N/!0..7 75 0/ 64 032 x1 / 235

EXe[\cj\i^\Ye`j N0!0./. x / 06 /2 //2 x /36N/!0./. x x 06 0. 06 x 54N2!0..7 x x 4 47 1/ x/5 67N1!0..7 x/ x 1 46 /2 x//5 x12N0!0..7 x6 / x67 /61 3 x/0 6/N/!0..7 /. x 0 /54 0 x /7.

PXc[f!jfejk`^\!Y\ki`\Yc`Z_\ N0!0./. / / 1 /3 07 x 26Biki� ^\!le[!>l]n\e[le^\e N/!0./. 0 x 0 / 05 x 1/

N2!0..7 x5 x0 0 x/ 05 / 0/N1!0..7 1 x/ 0 1/ 34 2 73N0!0..7 0 x/ 2 0/ 12 x 4.N/!0..7 1 x2 1 4 12 x5 14

uSVcdTYfdd!UVc H.!.,-, -,5 .2 -./ /.2 -/5 p 3./kZ_df_RSYw_XZXV_!<cecwXV H-!.,-, -,/ .1 --- .5- 05 p 133

H0!.,,5 51 .. 45 /05 1, p 2,2H/!.,,5 51 .. 23 /2/ 2, p--- 052H.!.,,5 44 .. p.- 023 /0 p4 140H-!.,,5 --, -3 5- 0/3 // p2 24/

8<KI@<8J<IKIs>< H.!.,-, .32 /3 /3, -*-01 34 p -*5,2H-!.,-, .23 /1 //3 -*,3. p-2 p -*251H0!.,,5 .23 /1 //, -*-.- p12 0. -*3/5H/!.,,5 .22 /4 /.- -*-,. p03 0 -*24/H.!.,,5 .1/ /4 /1/ -*.,0 p 5- 04 -*4,1H-!.,,5 .5, .5 114 -*-5/ p05 p/ .*,-4

8<KI@<8J7L=N<E;LE><E H.!.,-, p-54 p.1 p 52 p1/, p31 p p 5.0H-!.,-, p-50 p.0 p-.. p1,/ p3/ p p 5-2H0!.,,5 p-43 p.3 p44 p1-- p 5. p-3 p 5..H/!.,,5 p-50 p.0 p 50 p040 p34 p./ p454H.!.,,5 p-54 p./ p-., p035 p35 p/ p 5,0H-!.,,5 p.,, p./ p--1 p033 p35 / p45.

8<KI@<8J<I><8E@J H.!.,-, 33 -- .30 2-1 / p 54.H-!.,-, 3/ -- .-0 13, p45 p 334H0!.,,5 4, 5 .0. 2-- p-04 .1 4-3H/!.,,5 3- -/ ..3 2-4 p-.1 p., 341H.!.,,5 11 -1 ./. 3.0 p-25 01 5,.H-!.,,5 5, 2 00/ 3-2 p-.5 p -*-.2

>YjZ_i\`Yle^\e!Xl] N0!0./. x x x x x/45 x x/45D\jZ_� ]kj+!f[\i!C`id\en\ik\ N/!0./. x x x x x x x

N2!0..7 x x x x x/6 x x/6N1!0..7 x x x x/ x x x/N0!0..7 x x x x x x xN/!0..7 x x x x x x x

O� Zbjk\ccle^\e N0!0./. x/ x x x// x6 x x/7N/!0./. x x x x4 x43 x x5/N2!0..7 x/ x x2/ x02 x 0 x42N1!0..7 x x x/. x3 x 7 x0 x05N0!0..7 x/ x x x/1 x3 x x0.N/!0..7 x x x x1 x x x2

/'!A`\!j\^d\ek`\ik\e!Bi^\Ye`jj\!0..7!n\i[\e!`e!\`e\i!Mif+]fidX+O\Z_ele^![Xi^\jk\cck*![`\!A`]]\i\eq!qld!D\jXdk\i^\Ye`j!n`i[!`e![\i!PgXck\!O\jkXk\d\ek!A`]]\i\eq\e!^\q\`^k!le[!Y\ki`]]k!`d!T\j\ekc`Z_\e!! S\i� e[\ile^\e!`d!Hfejfc`[`\ile^jbi\`j!&q, ?,!S\ibXl]!mfe!T>SB!le[!@>F?'!le[!jfejk`^\!>egXjjle^\e,

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

/06MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

L`^l_dXUOTQ!>;FG'>ZR[]YM_U[ZQZ!$;DFHG9HLIC<%

=7D@CP!#!JD<!87EB@E>!;@M@J@FE

GI@M7K<!87EB@E>!;@M@J@FE

9FIGFI7K<!#!@EM<JKD<EK!

87EB@E>!;@M@J@FE

9<EKI7C!<7JK<IE!<LIFG<!;@M@J@FE

9FIGFI7K<!9<EK<I

I<JK7K<D<EK)!;@==<I<EQ<E!-%

87EB!7LJKI@7!>ILGG<

O\jkilbkli`\ile^jXl]nXe[ N0!0./. x x x x/ x x x/N/!0./. x x x x/ x x x/N2!0..7 x x x/ x/ x x0 x2N1!0..7 x x x x/ x x x/N0!0..7 x x x/ x/ x x x0N/!0..7 x x x x/ x x x/

Hi\[`ki`j`bf N0!0./. x35 x x00 x155 x/ x x235N/!0./. x41 x x40 x1/2 x x x217N2!0..7 x31 x x/.3 x3./ x 2 x433N1!0..7 x41 x x1/ x3/. x / x4.1N0!0..7 x50 x x/// x154 x x2 x341N/!0..7 x33 x x4. x11/ x x/ x224

C`eXeqXecX^\\i^\Ye`j N0!0./. / x x 6 4 x /4N/!0./. /. x 0 // x x 00N2!0..7 0 x x3 2 11 x 12N1!0..7 / x x// 3 05 x 01N0!0..7 3 x x1 2 1 x 7N/!0..7 0 x x0 0 23 x 25

<I><8E@J!MFI!JK<L<IE H.!.,-, .- -- .1. ./1 p-22 p /10H-!.,-, ., -- -10 .15 p-10 p .5,H0!.,,5 .4 5 5, 45 p-/0 .5 ---H/!.,,5 5 -/ -31 -,2 p-,3 p.- -32H.!.,,5 p-/ -1 --4 //4 p-3. 0- /.2H-!.,,5 /3 2 /4- /4/ p4/ p- 3..

BikiX^jk\l\ie N0!0./. x 7 x1 x31 x33 x/. x x/1.N/!0./. x/ x1 x12 x2. 21 x x12N2!0..7 x0 x5 x0/ x0. 20 1. 00N1!0..7 x/ x/ x1/ x0/ 02 /2 x/5N0!0..7 3 x x27 x3/ x/6 53 x16N/!0..7 x/. x/ x/.0 x54 2. x/ x/3.

G<I@F;<Eu8<IJ9?LJJ H.!.,-, -. 4 -55 -4, p-32 p ..0H-!.,-, -4 4 -.- .-5 p--, p .11H0!.,,5 .2 - 25 25 p 5. 15 -//H/!.,,5 4 -. -01 41 p4/ p3 -15H.!.,,5 p4 -0 25 .42 p-45 --2 .44H-!.,,5 .4 0 .35 /,2 p0/ p. 13.

IZdZ\`XVhZTYeVeV!7\eZgR!$IN7%! H.!.,-, --*2-/ 1/0 /,*40. 30*//4 1*-., p -..*002H-!.,-, -,*--, 053 /,*345 3,*0., 1*..2 p--1 --2*5.3H0!.,,5 5*/5. 05. /,*-4. 25*,05 1*1,. p./, --0*/42H/!.,,5 -,*-3- 2,3 .5*151 23*32- 1*21, 355 --0*14/H.!.,,5 -,*444 223 /.*541 3.*,12 1*054 4.3 -..*5.-H-!.,,5 -,*5-5 222 /1*./. 30*41/ 1*2// 152 -.3*454

AliZ_jZ_e`kkc`Z_\j!B`^\ebXg`kXc!0' N0!0./. 515 /06 6,240 /.,746 x0,76. x /5,1/4N/!0./. 525 //7 5,33. /.,716 x1,5/6 x /3,413N2!0..7 6.4 /// 5,26. /.,033 x2,225 x /2,0.2N1!0..7 6.3 /40 5,4.0 /.,/3/ x2,4.. 0. /2,/2.N0!0..7 6// /31 5,5/1 7,777 x2,336 0/ /2,/17N/!0..7 66. /30 5,311 7,3.5 x1,677 0/ /2,/72

5^P`KWN)9[][KQ'?XOPPSbSOW] C,!,*+* 1+&3 02&1 ,0&* .0&- W(K( W(K( .2&/#7X\]) >WMXVO'DK]SX$!SW!" C+!,*+* 1,&2 03&* -0&- .0&3 W(K( W(K( /.&+

C.!,**3 1*&+ 1/&, ,0&1 ./&/ W(K( W(K( /-&*C-!,**3 1-&, 0.&/ ,3&- .-&3 W(K( W(K( /-&-C,!,**3 12&. 0+&/ -.&+ -3&2 W(K( W(K( /*&+C+!,**3 03&* 13&/ ,*&0 .*&* W(K( W(K( ..&,

?[ONS][S\STX!SW!" C,!,*+* -.&* W(K( 2&1 .0&* W(K( W(K( -2&0_XV!JSW\mLO[\MR^\\ C+!,*+* -2&, W(K( ,1&/ .*&, W(K( W(K( -3&-

C.!,**3 -*&3 W(K( .-&/ 0.&3 W(K( W(K( /1&2C-!,**3 -0&3 W(K( +,&- 03&* W(K( W(K( /*&2C,!,**3 .-&0 W(K( ,3&0 /+&+ W(K( W(K( .0&+C+!,**3 -*&. W(K( +,&2 .-&2 W(K( W(K( --&.

/'!A`\!j\^d\ek`\ik\e!Bi^\Ye`jj\!0..7!n\i[\e!`e!\`e\i!Mif+]fidX+O\Z_ele^![Xi^\jk\cck*![`\!A`]]\i\eq!qld!D\jXdk\i^\Ye`j!n`i[!`e![\i!PgXck\!O\jkXk\d\ek!A`]]\i\eq\e!^\q\`^k!le[!Y\ki`]]k!`d!T\j\ekc`Z_\e!! S\i� e[\ile^\e!`d!Hfejfc`[`\ile^jbi\`j!&q, ?,!S\ibXl]!mfe!T>SB!le[!@>F?'!le[!jfejk`^\!>egXjjle^\e,0'!Pldd\!Xlj!FCOP+HXg`kXc!]� i![`\![\i!a\n\`c`^\e!A`m`j`fe!ql^\k\`ck\e!QfZ_k\i^\j\ccjZ_X]k\e!le[!jkXe[Xi[`j`\ik\d!HXg`kXc!]� i![\e!O\jk![\i!a\n\`c`^\e!A`m`j`fe,!A`\!A`]]\i\eq!qld!bfejfc`[`\ik\e!B`^\ebXg`kXc!! [\i!?>+Dilgg\!n`i[!`d!@figfiXk\!@\ek\i!Xlj^\n`\j\e,!

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

/16MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

L`^l_dXUOTQ!>;FG'>ZR[]YM_U[ZQZ!$;DFHG9HLIC<%

DNPVNW]KN[RLQ]N[\]J]]^WP!Oj[!MJ\!+(!<JUKSJQ[!,*+*!RV!GN[PUNRLQ!b^V!+(!<JUKSJQ[!,**2 $BU[!e%

=7D@CP!#!JD<!87EB@E>!;@M@J@FE

GI@M7K<!87EB@E>!;@M@J@FE

9FIGFI7K<!#!@EM<JKD<EK!

87EB@E>!;@M@J@FE

9<EKI7C!<7JK<IE!<LIFG<!;@M@J@FE

9FIGFI7K<!9<EK<I

I<JK7K<D<EK)!;@==<I<EQ<E!-%

87EB!7LJKI@7!>ILGG<

QZ_dySVcdTYfdd -p2!.,-, //- .- 030 -*2,- p-.1 p .*/,-

-p2!.,,5 /01 .4 40, -*05. p.,4 2, .*113

Mifm`j`fej� Y\ijZ_ljj /x4!0./. 0/. 27 /50 345 x/. x 766

/x4!0..7 /7/ 21 /3/ 3/5 x6 2 677

EXe[\cj\i^\Ye`j /x4!0./. x / 34 12 /20 x 012

/x4!0..7 0 / x65 137 5 x/0 05/

PXc[f!jfejk`^\!Y\ki`\Yc`Z_\ /x4!0./. 0 x 3 /4 34 x 57

Biki� ^\!le[!>l]n\e[le^\e /x4!0..7 3 x3 5 05 46 x5 74

uSVcdTYfdd!UVc -p2!.,-, .-. 1- .// 2-3 -44 p -*/,-

kZ_df_RSYw_XZXV_!<cecwXV -p2!.,,5 -55 0, 3- 5,0 24 p-0 -*.22

8<KI@<8J<IKIs>< -p2!.,-, 10/ 3- 3,3 .*.-4 2/ p /*2,-

-p2!.,,5 10/ 24 5-, .*/52 p-0, 01 /*4./

8<KI@<8J7L=N<E;LE><E -p2!.,-, p/5/ p05 p.-4 p-*,// p-04 p p-*40-

-p2!.,,5 p/55 p03 p./1 p 512 p-14 p p-*351

8<KI@<8J<I><8E@J -p2!.,-, -1, .. 044 -*-41 p41 p -*32-

-p2!.,,5 -01 .- 231 -*00, p.54 01 .*,.4

>YjZ_i\`Yle^\e!Xl] /x4!0./. x x x x x/45 x x/45

D\jZ_� ]kj+!f[\i!C`id\en\ik\ /x4!0..7 x x x x x x x

O� Zbjk\ccle^\e /x4!0./. x/ x x x/5 x50 x x 7.

/x4!0..7 x/ x x x/5 x3 x x01

O\jkilbkli`\ile^jXl]nXe[ /x4!0./. x x x x0 x x x0

/x4!0..7 x x x/ x0 x x x1

Hi\[`ki`j`bf /x4!0./. x//7 x x62 x47/ x/ x x674

/x4!0..7 x/04 x x/5. x5.5 x x3 x/,..7

C`eXeqXecX^\\i^\Ye`j /x4!0./. // x 0 /7 4 x 17

/x4!0..7 5 x x3 4 26 x 34

<I><8E@J!MFI!JK<L<IE -p2!.,-, 0- .. 0,2 051 p/., p 200

-p2!.,,5 .0 ., 054 3., p.11 0, -*,04

BikiX^jk\l\ie /x4!0./. x/. x4 x65 x 73 12 x x/43

/x4!0..7 x2 x0 x/3/ x/06 00 53 x/65

G<I@F;<Eu8<IJ9?LJJ -p2!.,-, /- -2 /-5 /55 p.42 p 04,

-p2!.,,5 ., -5 /04 15. p.// --0 42,

IZdZ\`XVhZTYeVeV!7\eZgR!$IN7%! -p2!.,-, -,*43. 1., /,*2.. 3.*131 1*.03 p33 --5*315

-p2!.,,5 -,*5,/ 222 /0*-,4 3/*010 1*121 3-. -.1*0,5

AliZ_jZ_e`kkc`Z_\j!B`^\ebXg`kXc!0' /x4!0./. 520 /01 6,..4 /.,731 x1,127 x /4,253

/x4!0..7 623 /31 5,401 7,531 x2,006 0/ /2,/45

5^P`KWN)9[][KQ'?XOPPSbSOW] +f0!,*+* 1,&. 02&2 -*&3 .0&0 W(K( W(K( /+&+

#7X\]) >WMXVO'DK]SX$!SW!" +f0!,**3 1-&. 03&. ,/&3 -3&3 W(K( W(K( .1&*

?[ONS][S\STX!SW!" +f0!,*+* -0&+ W(K( +1&1 .-&, W(K( W(K( -2&3

_XV!JSW\mLO[\MR^\\ +f0!,**3 -0&1 W(K( ,*&- .1&. W(K( W(K( -3&/

/'!A`\!j\^d\ek`\ik\e!Bi^\Ye`jj\!0..7!n\i[\e!`e!\`e\i!Mif+]fidX+O\Z_ele^![Xi^\jk\cck*![`\!A`]]\i\eq!qld!D\jXdk\i^\Ye`j!n`i[!`e![\i!PgXck\!O\jkXk\d\ek!A`]]\i\eq\e!^\q\`^k!le[!Y\ki`]]k!`d!T\j\ekc`Z_\e!! S\i� e[\ile^\e!`d!Hfejfc`[`\ile^jbi\`j!&q, ?,!S\ibXl]!mfe!T>SB!le[!@>F?'!le[!jfejk`^\!>egXjjle^\e,0'!Pldd\!Xlj!FCOP+HXg`kXc!]� i![`\![\i!a\n\`c`^\e!A`m`j`fe!ql^\k\`ck\e!QfZ_k\i^\j\ccjZ_X]k\e!le[!jkXe[Xi[`j`\ik\d!HXg`kXc!]� i![\e!O\jk![\i!a\n\`c`^\e!A`m`j`fe,!A`\!A`]]\i\eq!qld!bfejfc`[`\ik\e!B`^\ebXg`kXc!! [\i!?>+Dilgg\!n`i[!`d!@figfiXk\!@\ek\i!Xlj^\n`\j\e,!

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

/26MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

>ZR[]YM_U[ZQZ!M`RS]`ZP!m^_Q]]QUOTU^OTQZ!FQOT_^

$.,%!@[Z^[XUPUQ]_Q!9USQZYU__QX!`ZP!NMZWM`R^UOT_XUOTQ^!9USQZYU__QXQ]R[]PQ]ZU^

4W[NLQNWKJ[N!8RPNWVR]]NU!MN[!5JWT!4^\][RJ!?[NMR]RW\]R]^]\P[^YYN $BU[!e%

/,*2*.,-, /-*-.*.,,5

B`e^\qX_ck\j!HXg`kXc!&XYq� ^c`Z_!\`^\e\!>bk`\e' /,46/ /,247

O� ZbcX^\e!le[!Ci\d[Xek\`c\ /0,250 7,5.6

FddXk\i`\cc\!>ecX^\n\ik\! x365 x357

>Yql^jgfjk\e!mfd!Q`\i!/!&`ejY\j,!3.$!>Yql^!^\d,!z01-/1-1!Y`j!2['!/' x6/1 x453

BVc_\RaZeR]!$KZVc!-% -.*310 5*5./

>ei\Z_\eYXi\!eXZ_iXe^`^\!S\iY`e[c`Z_b\`k\e 1,.22 1,..2

K\lY\n\ikle^ji\j\im\e!le[!jk`cc\!O\j\im\e /7/ /17

>Yql^jgfjk\e!mfd!Q`\i!0!&3.$!>Yql^!^\d,!z01-/1-1!Y`j!2['!/' x6/1 x453

<cXw_kV_UV!<ZXV_^ZeeV]!$KZVc!.% .*0./ .*024

>Yql^jgfjk\e!mfe!Q`\i!/!le[!Q`\i!0!&>Yql^!^\d,!z01-/1-2X'!0' x/22 x/16

7_cVTYV_SRcV!<ZXV_^ZeeV]!$Vi\]*!KZVc!/% -1*,// -.*.1/

Q`\i!1!&ld^\n`[d\k\j!KXZ_iXe^bXg`kXc' 0/5 021

7EI<9?<E87I<!<@><ED@KK<C!$@EBC*!K@<I!/% -1*.1, -.*052

8RPNWVR]]NUN[OX[MN[WR\!MN[!5JWT!4^\][RJ!?[NMR]RW\]R]^]\P[^YYN $BU[!e%

/,*2*.,-, /-*-.*.,,5

<ZXV_^ZeeV]VcW`cUVc_Zd!Wyc

X'!Hi\[`ki`j`bf!^\d,!PkXe[Xi[XejXkq 4,/54 3,624

Y'!Hi\[`ki`j`bf!^\d,![\d!Xl]!`ek\ie\e!OXk`e^j!YXj`\i\e[\e!>ejXkq!&FO?' 0,612 0,063

Hi\[`ki`j`bf! 7,./. 6,/1/

Lg\iXk`feXc\j!O`j`bf 6.5 555

Mfj`k`feji`j`bf!PZ_lc[k`k\c*!>bk`\e*!Ci\d[n� _ile^!le[!TXi\e 0/5 021

>Yn`Zbcle^ji`j`bf x x

<I=FI;<IC@9?<!<@><ED@KK<C -,*,/0 5*-1-

OT>!`ej^\jXdk /03,202 //2,164

?NWWbJQUNW

/,*2*.,-, /-*-.*.,,5

Q`\i!/+Nlfk\*!Y\qf^\e!Xl]!Xcc\!O`j`b\e /.*/5$ 6*46$

B`^\ed`kk\c+Nlfk\*!Y\qf^\e!Xl]!Xcc\!O`j`b\e!1' /0*/4$ /.*70$

Q`\i!/+Nlfk\*!Y\qf^\e!Xl]![Xj!Hi\[`ki`j`bf //*10$ 7*54$

B`^\ed`kk\c+Nlfk\*!Y\qf^\e!Xl]![Xj!Hi\[`ki`j`bf!2' /0*41$ //*07$

/'!B`^\ed`kk\cY\jkXe[k\`c\!Xe!e`Z_k!bfejfc`[`\ik\e!Rek\ie\_d\e!le[!tj_fik!]Xccw

0'!B`^\ed`kk\cY\jkXe[k\`c\!Xe!S\ij`Z_\ile^jlek\ie\_d\e

1'!>ei\Z_\eYXi\!B`^\ed`kk\c!&`ebc,!Q`\i!1'!`e!Mifq\ek![\i!i`j`bf^\n`Z_k\k\e!?\d\jjle^j^ile[cX^\!]� i!Xcc\!O`j`b\e

2'!D\jXdk\!B`^\ed`kk\c!XYq� ^c`Z_!Bi]fi[\ie`j!]� i!EXe[\cjYlZ_*!TXi\e+*!Ci\d[n� _ile^j+!le[!fg\iXk`feXc\j!O`j`bf!`e!Mifq\ek![\i!i`j`bf^\n`Z_k\k\e!?\d\jjle^j^ile[cX^\!]� i![Xj!Hi\[`ki`j`bf

Bank Austria - Halbjahresfinanzbericht 2010

C`eXeZ`Xc!PkXk\d\ekj!r!Hfeq\ieqn`jZ_\eXYjZ_cljj!eXZ_!FCOP

/36MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

9]WXl]`ZS!PQ]!SQ^Q_dXUOTQZ!JQ]_]Q_Q]

T`i!Y\jk� k`^\e!eXZ_!Y\jk\d!T`jj\e*![Xjj![\i!`d!B`ebcXe^!d`k![\e!

dX�^\Y\e[\e!O\Z_ele^jc\^le^jjkXe[Xi[j!Xl]^\jk\cck\!Hfeq\ie+

qn`jZ_\eXYjZ_cljj!\`e!d� ^c`Z_jk!^\ki\l\j!?`c[![\i!S\id� ^\ej+*!!

C`eXeq+!le[!BikiX^jcX^\![\j!Hfeq\iej!m\id`kk\ck!le[![Xjj![\i!

EXcYaX_i\j!cX^\Y\i`Z_k![\j!Hfeq\iej!\`e!d� ^c`Z_jk!^\ki\l\j!?`c[!!

d`Y!LbU^OTQZNQ]UOT_

[\i!S\id� ^\ej+*!C`eXeq+!le[!BikiX^jcX^\![\j!Hfeq\iej!Y\q� ^c`Z_!!

[\i!n`Z_k`^\e!Bi\`^e`jj\!n� _i\e[![\i!\ijk\e!j\Z_j!JfeXk\![\j!

!D\jZ_� ]kjaX_i\j!le[!`_i\i!>ljn`ible^\e!Xl]![\e!Hfeq\ieqn`jZ_\e+

XYjZ_cljj!Y\q� ^c`Z_![\i!n\j\ekc`Z_\e!O`j`b\e!le[!Re^\n`jj_\`k\e!!

`e![\e!i\jkc`Z_\e!j\Z_j!JfeXk\e![\j!D\jZ_� ]kjaX_i\j!m\id`kk\ck,

T`\e*!Xd!04,!Glc`!0./.!

A\i!SfijkXe[!

KUXXUNMXP!7Q]ZW[

&Sfij`kq\e[\i'

! JX^,!=QXY`_!6Q]ZW[\R! ?n]SQZ!8MZdYMc]!

! 8](!BM^^UYUXUMZ[!;[^^M_U! 8](!;QPQ]UO[!<TUdd[ZU

! 8](!FMUZQ]!=M`^Q]! BMS(!8[]U^!H[YMZQW! 8](!7M]X[!JUaMXPU

Bank Austria - Halbjahresfinanzbericht 2010

Erklärung der gesetzlichen Vertreter zum

Halbjahresfinanzbericht 2010

0*6MZW!5`^_]UM!h!LbU^OTQZNQ]UOT_!d`Y!-*(!?`ZU!,*+*

Bi^� eq\e[\!>e^XY\e

>ZaQ^_[]!FQXM_U[Z^!

FWR6[NMR]!5JWT!4^\][RJ!4;)6X[YX[J]N!CNUJ]RXW\

O\ee^Xjj\!0*!/./.!T`\e*!}jk\ii\`Z_

Q\c,8!&)21'!&.'!3!.3!.3+650!1. CXo8!&)21'!&.'!3!.3!.3+654!00

B+JX`c8!`em\jkfi, i\cXk`fej=le`Zi\[`k^iflg,Xk Fek\ie\k8!_kkg8-- `i,YXebXljki`X,Xk

D� ek_\i!Pkifd\e^\i*!E\X[!f]!@figfiXk\!O\cXk`fej

Q\c,8!&)21'!&.'!3!.3!.3+650!1.

Q_fdXj!H`i`e

Q\c,8!&)21'!&.'!3!.3!.3+305!52

>e[i\Xj!M\kqc

Q\c,8!&)21'!&.'!3!.3!.3+373!00

CJ]RWP\

C7E>=I@JK@> E79?I7E>@><!M<I8@E;C@9?B<@K<E BLIQ=I@JK@>

Jff[pvj!/' >/ >0! M+/

PkXe[Xi[!%!Mffivj!0'! > >!x >+/

/'!AXj!cXe^]i`jk`^\!OXk`e^!]� i!a\e\!S\iY`e[c`Z_b\`k\e*!]� i![`\![`\!D\d\`e[\!T`\e!_X]k\k*!Yc\`Yk!Y\`!>X0*!]� i!eXZ_iXe^`^\!S\iY`e[c`Z_b\`k\e!Y\`!>X1,

0'!AXj!cXe^]i`jk`^\!OXk`e^!]� i!a\e\!S\iY`e[c`Z_b\`k\e*!]� i![`\![`\!D\d\`e[\!T`\e!_X]k\k*!Yc\`Yk!Y\`!>>)*!]� i!eXZ_iXe^`^\!S\iY`e[c`Z_b\`k\e!\Y\e]Xccj!Y\`!>>),

9RWJWbTJUNWMN[

/.,//,0./. S\i� ]]\ekc`Z_le^![\j!Bi^\Ye`jj\j!qld!1.,.7,0./.

>cc\!Fe]fidXk`fe\e!j`e[!Xl]!_kkg8-- `i,YXebXljki`X,Xk!\c\bkife`jZ_!m\i]� ^YXi

=VY[N\\^V?VcRfdXVSVc(!DVUZV_Z_YRSVc6Re`@i\[`k!?Xeb!>ljki`X!>D>+/./.!T`\e*!PZ_fkk\e^Xjj\!4!x!6Q\c,8!)!21!&.'3!.3!.3+.CXo8!)!21!&.'3!.3!.3+34/33Fek\ie\k8!nnn,!YXebXljki`X,XkB+JX`c8!`e]f=le`Zi\[`k^iflg,Xk?F@8!?H>R>QTT?Xebc\`kqX_c!/0...C`id\eYlZ_!CK!/3.5/2gASO+Kldd\i!..1..44RFA+Kldd\i!>QR!3/3.52.7

IVUR\eZ`_6!F[\ek`kp!%!@fddle`ZXk`fej*!! J`Z_X\c!Qi`jZ_c\i

8RdZdUVdZX_!f_U!L^dTY]RX6!J\iZli`f!P,i,I,*!JX`cXe[

>cRWZ\6!nnn,_fimXk_,Zf,Xk

8VdeV]]f_XV_6?Xeb!>ljki`XF[\ek`kp!%!@fddle`ZXk`fejMfjk]XZ_!00,...>+/.//!T`\eQ\c,8!&)!21'!&.'3!.3!.3+34/26!&QfeYXe['CXo8!&)!21'!&.'3!.3!.3+34723B+JX`c8!glY=le`Zi\[`k^iflg,Xk

<RW`NR\NA`\!Mif^efj\e*![`\!j`Z_!Xl]![`\!qlb� e]k`^\!Bekn`Zbcle^![\i!?Xeb!>ljki`XY\q`\_\e*!jk\cc\e!B`ejZ_� kqle^\e![Xi*![`\!n`i!Xl]!?Xj`j!Xcc\i!lej!qld!a\kq`^\e!!W\`kglebk!qli!S\i]� ^le^!jk\_\e[\e!Fe]fidXk`fe\e!^\kif]]\e!_XY\e,!Pfcck\e![`\![\e!Mif^efj\e!ql^ile[\!^\c\^k\e!>eeX_d\e!e`Z_k!\`eki\]]\e!f[\i!O`j`b\e!x!n`\![`\!`e![`\j\d!?\i`Z_k!Xe^\jgifZ_\e\e!x!`e!e`Z_k!bXcblc`\ik\i!E� _\!\`eki\k\e*!jf!b� ee\e![`\!kXkj� Z_c`Z_\e!Bi^\Ye`jj\!mfe![\e!qliq\`k!\inXik\k\e!Bi^\Ye`jj\e!XYn\`Z_\e,>e^XY\e!� Y\i!JXibkXek\`c\!Y\il_\e!Xl]![\e!ql!O\[Xbk`fejjZ_cljj!c\kqkm\i]� ^YXi\eAXk\e,!

Rek\i!t?Xeb!>ljki`Xw!n`i[!`e![`\j\d!?\i`Z_k![`\!Rek\ie\_d\ej^ilgg\![\j!Sfccbfe+jfc`[`\ile^jbi\`j\j!!Y\q\`Z_e\k,!tRe`@i\[`k!?Xeb!>ljki`X!>Dw!Y\q`\_k!j`Z_!Xl]![`\!Jlkk\i^\j\ccjZ_X]k,!

J`k!tJ`kXiY\`k\iw!jgi\Z_\e!n`i!j\cYjkm\ijk� e[c`Z_!Xcc\!J`kXiY\`k\i`ee\e!le[!!J`kXiY\`k\i!Xe*!n\ee![`\j![\i!c\`Z_k\i\e!I\jYXib\`k!`d!Q\ok]cljj![`\ek,!

?\`![\i!!Pldd`\ile^!mfe!^\ile[\k\e!?\ki� ^\e!le[!Y\`![\i!Bii\Z_ele^![\i!S\i� e+[\ile^jiXk\e!b� ee\e!^\i`e^]� ^`^\!A`]]\i\eq\e!`d!S\i^c\`Z_!qli!Bid`kkcle^!Xlj![\e!e`Z_k!^\ile[\k\e!O\Z_ele^j^ile[cX^\e!Xl]ki\k\e,

7R\LUJRVN[A`\!mfic`\^\e[\![\lkjZ_\!S\ij`fe!`jk![`\!Xlk_\ek`jZ_\!CXjjle^![\j!Wn`jZ_\e+!Y\i`Z_k\j!le[!]� i!Xcc\!i\Z_kc`Z_\e!>jg\bk\!i\c\mXek,!A\i!Wn`jZ_\eY\i`Z_k!`e!\e^c`jZ_\i!PgiXZ_\!`jk!\`e\!~Y\ij\kqle^,

Bank Austria - Halbjahresfinanzbericht 2010

Der zum 30. Juni 2010 aufgestellte Halbjahresfinanzbericht

wurde weder einer vollständigen Prüfung noch einer prüferischen

Durchsicht durch einen Abschlussprüfer unterzogen.

Disclaimer

Die vorliegende deutsche Version ist die authentische Fassung des Halbjahres-

finanzberichtes und für alle rechtlichen Aspekte relevant. Die Halbjahres-

finanzberichte in englischer Sprache sind Übersetzungen.