History 
The following information was audited by the Auditing Board of the Savings Bank Auditing Association, by KPMG Austria GmbH and by Österreichische Wirtschaftsberatung GmbH.

Key figures

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Key figures      
    2005 2004
Earnings per share (in €, basic and diluted) (12) 6.56 4.14
Return on equity before taxes   17.9% 13.3%
Return on equity after taxes   14.3% 10.1%
Cost/income ratio   61.6% 64.9%
Risk/earnings ratio   18.9% 16.3%
Key figures excluding one-off effects*)
Earnings per share (in €, basic and diluted) 6.22  
Return on equity before taxes 17.2%  
Return on equity after taxes 13.5%  
*) One-off effects relate mainly to capital gains on the sale of Investkredit shares, and to HVB Bank Romania, the allocation to provisions for restructuring costs, and a special expense for UniCredit integration
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