Consolidated Financial Statements in accordance with International Financial Reporting Standards (IFRSs)

In this report, “Bank Austria Creditanstalt”, “the BA-CA Group” and “the Bank Austria Creditanstalt Group” refer to the Group. To the extent that information relates to the parent company or its separate financial statements, “Bank Austria Creditanstalt AG” or “BA-CA AG” is used.

In adding up rounded figures and calculating the percentage rates of changes, slight differences may result compared with totals and rates arrived at by adding up component figures which have not been rounded off