Bank Austria Creditanstalt - Annual Report 2006 - Sitemap (optimized for printing)

UniCredit Group at a Glance
- Profile
- Highlights
- Geographic Presence
- Business Model
- Key Strategies
- Integrity
Strategy and Results
- Preface Profumo
- Preface Hampel
- Business and Strategy
  - Integration
  - Banking Sector
  - Tasks and strategy in UniCredit Group
  - Highlights
  - Awards 2006 and 2007
  - Results 2006
  - Divisional Structure
  - Market leader in CEE
  - The UniCredit share
- Bank Austria Creditanstalt’s Divisions
- Retail Division
  - Overview
  - Divisionalisation
  - Business Development
  - Business policy by customer segments
    - ErfolgsKunden
    - TopKunden
    - Small business customers
  - Customer satisfaction
  - Sales channels
  - Committed employees
- PB&AM Division
  - Overview
  - Pillars
  - Geschäftsentwicklung
  - Private Banking
    - BANKPRIVAT
    - Schoellerbank
    - Asset Management GmbH
  - Asset Management
    - Development 2006
    - Renamed Pioneer
    - Global Player
- Corporates Division
  - Overview
    - Divisional Structure
    - Corporate Customers
    - Market
    - Development 2006
  - Customer Segments
    - International Corporates
    - Corporates Austria
    - Public Sector
    - Real Estate
    - Financial Institutions
  - Products
    - Cash Management
    - Export and Trade Finance
    - Documentary Business and Guarantees
    - Export and Investment Promotion Finance
    - Structured Finance
    - Private Equity/Mezzanine Capital
    - Leasing
    - Cross Border Client Groups
- MIB Division
  - Overview
  - Adjustment to Structure
  - Business Development
  - Newly added Units
  - Outlook
- CEE Banking Division
  - Overview
    - Structure
    - Market Position
    - Market
    - Development 2006
  - Strategy and its implementation
    - Strategy
    - Implementation
  - Baltic states
    - UniCredit Bank
  - Bosnia and Herzegovina
    - HVB Central Profit Banka
    - Nova banjalučka banka
    - UniCredit Zagrebačka banka
  - Bulgaria
    - HVB Bank Biochim/Hebros Bank
    - Bulbank
  - Croatia
    - Zagrebačka banka
  - Romania
    - HVB Tiriac Bank
    - UniCredit Romania
  - Russia
    - International Moscow Bank
  - Serbia
    - HVB Bank Serbia
  - Slovakia
    - HVB Bank Slovakia
    - UniBanka
  - Slovenia
    - Bank Austria Creditanstalt Ljubljana
  - Czech Republic
    - HVB Bank Czech Republic
    - Živnostenská Banka
  - Turkey
    - Yapı Kredi
  - Hungary
    - UniCredit Bank
- Risk Management
  - Trends
  - Credit portfolio
    - Risk exposures
    - Risk Rating
    - Coverage ratio
    - Risikostruktur nach Regionen
    - Portfolio structure by business unit
- GBS Division
  - Summary
  - Objectives and projects
    - Organisation
    - ICT
    - Back Office
    - Procurement
    - Facility management
Human Resources & CSR
- Human Resources
  - EDP
  - Job Families
  - Integrity Charter Day
  - Training
  - Mentoring
  - Health and employee safety
  - CEE Human Resources
- Sustainable Management
  - Product ecology
  - Operations ecology
  - Diversity Management und CSR
  - VÖNIX
Financial Statements
- Management Report
  - Global economy and financial markets
    - Austria
    - CEE
  - Overall Development
    - Capital Gains
    - Restructuring Provisions
    - Credit Risk Management
    - Strong Profit Growth
    - Operating Profit
    - Revenue Growth
    - Growth and Capital Efficiency
    - Equity Capital
  - Income Statement
    - Net Interest Income
    - Net Fee and Commission Income
    - Net Trading Result
    - Operating Expenses
    - Net Writedowns of Loans
    - Provisions and Integration Costs
    - Net income from investments
    - Proposal Profit
    - Exchange Rate Effects
  - Adjustment of Segments
  - Development of Segments
    - Retail Division
    - PB&AM
    - Corporates Division
    - MIB
    - CEE
    - Corporate Center
  - Balance Sheet Developments
    - Assets
    - Liabilities
    - Capital Resources Austrian Banking Act
    - Structural Changes
  - Events after the balance sheet date
  - Outlook
    - Banking Environment
    - Prospects Core Markets
    - Future Performance
- Financial Statements
  - Income Statement
  - Key Figures
  - Balance Sheet
  - Changes in Shareholders Equity
  - Recognised Income and Expense
  - Cash Flow Statement
- Notes
  - Legal basis
  - Structural changes
  - Significant accounting policies
  - Events after the balance sheet date
  - Notes to the income statement
    - Net interest income
    - Net fee and commission income
    - Net trading income
    - (8) Net other operating income / expenses
    - Operating expenses
    - Provisions for risks and charges
    - Losses on loans and advances
    - Net income from invest
    - Integration costs
    - Income tax
    - Earnings per share
    - Dividends
  - Notes to the balance sheet
    - Cash and cash balances
    - Financial assets held for trading
    - Financial assets through profit and loss
    - For sale assets
    - Maturity investments
    - Loans banks
    - Loans customers
    - Property, plant and equipment
    - Intangible assets
    - Tax assets
    - Non-current assets
    - Other assets
    - Deposits from banks
    - Deposits from customers
    - Debt certificates
    - Trading liabilities
    - Financial liabilities through profit and loss
    - Tax liabilities
    - Other liabilities
    - Provisions
    - Equity
  - IFRS disclosures
    - Fair values
    - Related party disclosures
    - Segment reporting
    - Loans on which interest is not being accrued
    - Assets pledged as security
    - Subordinated assets
    - Foreign currencies
    - Trust assets
    - Repurchase agreements
    - Contingent liabilities
    - Selected subsidiaries
      - Consolidated companies
      - At equity
      - Associated
    - Employees
    - Boards
  - Risk report
    - Overall risk management
      - Market risk
      - Liquidity risk
      - Counterparty risk
      - Credit risk
      - Operational risk
      - Business risk
      - Risks on shareholdings and equity
    - Legal risks
    - Derivatives
    - Comfort letters
    - Consolidated capital resources
- Concluding Remarks
- Report of the Auditors
- Report of the Supervisory Board
  - Focus of activity
  - Board members
  - Financial statements
Corporate Governance and Boards
- Boards
  - Supervisory Board
  - Supervisory Authorities
  - Management Board
  - Committees
- Corporate Governance
  - Transparency
  - Supervisory Board
  - Managing Board
  - Shareholders and General Meeting
  - Compliance and Code of Conduct
  - Evaluation
Additional Information
- Income statement - Quarters
- Income statement CEE
- Balance Sheets CEE
- Office Network Austria
- Selected subsidiaries
  - Central and Eastern Europe
  - Other Countries
- Investor Relations
- Imprint and Disclaimer