Bank Austria Creditanstalt - Annual Report 2005

Bank Austria Creditanstalt at a Glance
Income statement figures (in € m)	2005	Change		2004
Net interest income after losses on loans and advances	2,117	+	3.6%	2,042
Net fee and commission income	1,458	+	18.2%	1,233
Net trading result	237	+	1.7%	233
General administrative expenses	–2,622	+	5.8%	–2,479
Operating profit	1,142	+	20.9%	944
Net income before taxes	1,301	+	51.5%	859
Consolidated net income	964	+	58.3%	609

Balance sheet figures (in € m)	2005	Change		2004
Total assets	158,879	+	8.4%	146,581
Loans and advances to customers	86,404	+	6.3%	81,260
Primary funds	89,965	+	8.7%	82,763
Shareholders’ equity (excl. minority interests)	6,871	+	6.4%	6,459
Risk-weighted assets (banking book)	75,263	+	6.2%	70,887

Key performance indicators (in %)	2005			2004
Return on equity after taxes (ROE)	14.3			10.1
Return on assets (ROA)	0.63			0.43
CEE contribution to net income before taxes	54.1			42.6
Cost / income ratio	61.6			64.9
Net interest income /avg. risk-weighted assets (banking book)	3.53			3.58
Risk / earnings ratio	18.9			16.3
Provisioning charge/avg. risk-weighted assets (banking book)	0.67			0.58
Total capital ratio (at year-end)	12.2			12.4
Tier 1 capital ratio (at year-end)	8.3			7.9

Staff	2005	Change		2004
Bank Austria Creditanstalt (full-time equivalent)	31,792	+	8.9%	29,191
Austria (BA-CA AG and its Austrian subsidiaries that support its core banking business)	9,839	–	7.6%	10,653
CEE and other subsidiaries	21,953	+	18.4%	18,538
of which: Poland	10,181	+	4.7%	9,728

Offices	2005	Change		2004
Bank Austria Creditanstalt	1,570	+	20.8%	1,300
Austria	393	–	1.0%	397
CEE and other countries	1,177	+	30.3%	903
of which: Poland	503	+	7.7%	467

Comparative figures adjusted to amended and new IFRS rules, see note 2 to the consolidated financial statements.

Bank Austria Creditanstalt at a Glance