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.

(4) Net interest income

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Net interest income    
€ m 2005 2004
Interest income from    
loans and advances and money market transactions 4,140 3,921
bonds and other fixed-income securities 623 602
shares and other variable-yield securities 75 72
subsidiaries 93 61
companies accounted for under the equity method 86 67
other companies in which an equity interest is held 24 9
investment property 24 30
Interest expenses for    
deposits –1,752 –1,663
liabilities evidenced by certificates –557 –533
subordinated capital –275 –246
Results from leasing transactions 131 120
NET INTEREST INCOME 2,611 2,441
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