Condensed income statement
of the Bank Austria Group1)
for
the year ended 31 December 2015
RECAST 2)
(€ million)
RECAST 2)
QUARTERLY FIGURES
CHANGE
Q1 2015
Q2 2015
Q3 2015
Q4 2015
2015
2014
+/– €
+/– %
816
871
847
852
3,386
3,511
– 125
–3.6%
98
136
107
193
535
496
+ 39
+7.8%
Net fees and commissions
341
373
350
375
1,439
1,364
+ 75
+5.5%
Net trading, hedging and fair value income
107
124
78
111
420
487
– 67
–13.8%
20
19
22
34
95
124
– 29
–23.0%
Operating income
1,383
1,522
1,405
1,566
5,875
5,982
– 107
–1.8%
Payroll costs
– 390
– 404
– 384
– 384
– 1,562
– 1,648
+ 86
–5.2%
Other administrative expenses
– 320
– 338
– 331
– 367
– 1,356
– 1,318
– 39
+3.0%
0
0
0
0
1
1
–0
–2.0%
– 41
– 35
– 36
– 47
– 159
– 172
+ 14
–7.9%
Operating costs
– 751
– 776
– 751
– 798
– 3,076
– 3,136
+ 61
–1.9%
Operating profit
632
746
653
768
2,800
2,846
– 47
–1.6%
– 210
– 181
– 366
– 250
– 1,007
– 782
– 226 +28.8%
422
564
288
518
1,792
2,064
– 272
–13.2%
–8
0
– 43
– 85
– 137
– 147
+ 10
–6.8%
– 103
– 72
– 58
– 94
– 326
– 237
– 89 +37.7%
–1
–1
–3
317
312
– 14
+ 326
n.m.
0
2
1
– 22
– 20
66
– 86
n.m.
Profit before tax
310
493
184
634
1,621
1,733
– 112
–6.5%
Income tax for the period
– 60
– 69
– 49
92
– 86
– 296
+ 209
–70.9%
Total profit or loss after tax from discontinued operations
– 60
– 123
25
– 145
– 303
– 132
– 172
>100%
Profit or loss for the period
190
301
160
581
1,232
1,306
– 74
–5.7%
7
–9
11
84
93
23
+ 70
>100%
198
291
172
664
1,325
1,329
–4
–0.3%
Purchase Price Allocation effect
0
0
0
0
0
0
0
n.m.
Goodwill impairment
0
0
0
0
0
0
0
n.m.
loss 3)
198
291
172
664
1,325
1,329
–4
–0.3%
Net interest
Dividend income and other income from equity investments
Net other expenses/income
Recovery of expenses
Amortisation, depreciation and impairment losses
on intangible and tangible assets
Net write-downs of loans and provisions for
guarantees and commitments
Net operating profit
Provisions for risks and charges
Systemic charges
Integration/restructuring costs
Net income/loss from investments
Non-controlling interests
Net profit or loss before PPA 3)
Net profit or
n. m. = not meaningful. / 1) Bank Austria’s income statement as presented in this table is a reclassified format corresponding to the format used for segment reporting. / 2) Recast to reflect the
consolidation perimeter and business structure in 2015. / 3) Attributable to the owners of the parent company.
Segment reporting of the Bank Austria Group
1–12 2015/1–12 2014
(€ million)
RETAIL &
CORPORATES
Net interest
1 – 12 2015
1 – 12 2014
Dividends and other income
1 – 12 2015
from equity investments
1 – 12 2014
Net fees and commissions
1 – 12 2015
1 – 12 2014
Net trading, hedging and
1 – 12 2015
fair value income/loss
1 – 12 2014
Net other expenses/income
1 – 12 2015
1 – 12 2014
OPERATING INCOME
1 – 12 2015
1 – 12 2014
OPERATING COSTS
1 – 12 2015
1 – 12 2014
OPERATING PROFIT
1 – 12 2015
1 – 12 2014
Net write-downs of loans and provisions 1 – 12 2015
for guarantees and commitments
1 – 12 2014
NET OPERATING PROFIT
1 – 12 2015
1 – 12 2014
Provisions for risks and charges
1 – 12 2015
1 – 12 2014
Systemic charges
1 – 12 2015
1 – 12 2014
Integration/restructuring costs
1 – 12 2015
1 – 12 2014
Net income/loss from investments
1 – 12 2015
1 – 12 2014
PROFIT BEFORE TAX
1 – 12 2015
1 – 12 2014
Income tax for the period
1 – 12 2015
1 – 12 2014
Total profit or loss after tax from
1 – 12 2015
discontinued operations
1 – 12 2014
PROFIT OR LOSS FOR THE PERIOD
1 – 12 2015
1 – 12 2014
Non-controlling interests
1 – 12 2015
1 – 12 2014
NET PROFIT OR LOSS ATTRIBUTABLE 1 – 12 2015
TO THE OWNERS OF THE PARENT
1 – 12 2014
COMPANY BEFORE PPA
Purchase Price Allocation effect
1 – 12 2015
1 – 12 2014
Goodwill impairment
1 – 12 2015
1 – 12 2014
NET PROFIT OR LOSS ATTRIBUTABLE 1 – 12 2015
TO THE OWNERS OF THE PARENT
1 – 12 2014
COMPANY
CORPORATE &
INVESTMENT
PRIVATE
BANKING
BANKING
(CIB)
CENTRAL
EASTERN
EUROPE
(CEE)
CORPORATE
CENTER
BANK
AUSTRIA
GROUP
(RECAST) BANK
RECASTING
AUSTRIA
DIFFERGROUP
ENCES 1) (PUBLISHED) 2)
895
974
29
40
506
479
34
24
23
31
1,486
1,548
– 1,096
– 1,108
390
440
– 28
– 56
363
383
–4
1
– 70
– 48
0
0
– 20
–9
269
327
– 73
– 69
0
0
196
259
– 12
–8
184
250
58
64
0
0
114
109
3
2
2
0
177
175
– 121
– 116
56
59
0
0
56
59
–1
–1
–5
–3
0
–1
0
0
51
53
– 13
– 13
0
0
38
40
0
0
38
40
294
302
0
0
104
84
48
52
5
1
451
440
– 215
– 208
235
232
25
3
260
236
–8
0
– 36
– 31
0
0
–8
2
208
208
– 52
– 52
1
0
157
156
0
0
157
156
2,381
2,456
364
345
718
702
329
266
24
55
3,816
3,824
– 1,475
– 1,501
2,341
2,323
– 1,017
– 675
1,324
1,648
– 68
– 137
– 155
– 120
–8
–7
2
13
1,094
1,396
– 169
– 212
– 423
– 206
502
977
102
25
604
1,003
– 242
– 285
142
111
–3
– 10
7
143
42
37
– 55
–3
– 168
– 204
– 223
– 207
12
– 55
– 210
– 262
– 56
–9
– 60
– 35
320
–5
6
60
–1
– 251
221
50
120
75
340
– 126
2
6
342
– 120
3,386
3,511
535
496
1,439
1,364
420
487
95
124
5,875
5,982
– 3,076
– 3,136
2,800
2,846
– 1,007
– 782
1,792
2,064
– 137
– 147
– 326
– 237
312
– 14
– 20
66
1,621
1,733
– 86
– 296
– 303
– 132
1,232
1,306
93
23
1,325
1,329
0
– 78
0
0
0
3
0
0
0
– 18
0
– 93
0
37
0
– 56
0
89
0
33
0
14
0
0
0
1
0
–2
0
45
0
9
0
0
0
54
0
1
0
54
3,386
3,433
535
496
1,439
1,367
420
487
95
106
5,875
5,890
–3,076
–3,099
2,800
2,790
–1,007
–693
1,792
2,097
–137
–133
–326
–237
312
–13
–20
64
1,621
1,778
–86
–287
–303
–132
1,232
1,360
93
23
1,325
1,383
0
0
0
0
184
250
0
0
0
0
38
40
0
0
0
0
157
156
0
0
0
0
604
1,003
0
0
0
0
342
– 120
0
0
0
0
1,325
1,329
0
0
0
0
0
54
0
0
0
0
1,325
1,383
1) The segment results have been recast. The difference compared to Bank Austria’s results is presented in a separate column showing “Recasting differences”, which
for 2014 mainly relate to the transfer of Leasing subsidiaries in Russia, the Czech Republic, Slovakia, Romania, Croatia, Austria, Hungary and some Leasing entities in
Serbia and Slovenia to Bank Austria. Recasting differences also relate to the sale of UniCredit CAIB Poland S. A.
2) The comparative figures for 2014 and 2015 reflect the accounting figures.
Segment reporting of the Bank Austria Group
1–12 2015/1–12 2014
RETAIL &
CORPORATES
Risk-weighted assets (RWA) (avg.) 3)
Loans to customers
(end of period) Direct funding (end of period) 4) Cost/income ratio excl. bank levy in %
Risk/earnings ratio in % 5)
1 – 12 2015
1 – 12 2014
1 – 12 2015
1 – 12 2014
1 – 12 2015
1 – 12 2014
1 – 12 2015
1 – 12 2014
1 – 12 2015
1 – 12 2014
19,671
19,696
44,856
43,208
42,889
42,767
73.7
71.6
3.0
5.5
CORPORATE &
INVESTMENT
PRIVATE
BANKING
BANKING
(CIB)
524
600
618
588
9,079
8,990
68.5
66.3
n. m.
n. m.
8,766
8,394
13,691
12,502
10,426
8,758
47.8
47.2
n. m.
n. m.
CENTRAL
EASTERN
EUROPE
(CEE)
CORPORATE
CENTER
BANK
AUSTRIA
GROUP
(RECAST) 96,823
85,579
57,102
56,786
58,709
52,243
38.7
39.3
37.1
24.1
7,462
9,339
109
664
18,045
19,512
n. m.
n. m.
n. m.
n. m.
133,246
123,609
116,377
113,749
139,148
132,269
52.3
52.4
25.7
19.5
BANK
RECASTING
AUSTRIA
DIFFERGROUP
ENCES 1) (PUBLISHED) 2)
0
1,473
0
– 17
0
15
n. m.
n. m.
n. m.
n. m.
133,246
125,081
116,377
113,732
139,148
132,285
52.3
52.6
25.7
17.6
1) The segment results have been recast. The difference compared to Bank Austria’s results is presented in a separate column showing “Recasting differences”, which
for 2014 mainly relate to the transfer of Leasing subsidiaries in Russia, the Czech Republic, Slovakia, Romania, Croatia, Austria, Hungary and some Leasing entities in
Serbia and Slovenia to Bank Austria. Recasting differences also relate to the sale of UniCredit CAIB Poland S. A.
2) The comparative figures for 2014 and 2015 reflect the accounting figures.
3) Turkey consolidated on a proportionate basis.
4) Direct funding: deposits from customers and debt securities in issue.
5) Risk / earnings ratio: net write-downs of loans and provisions for guarantees and commitments measured against net interest and dividends and other income from
equity investments.
n. m. = not meaningful
Statement of Financial Position
of the Bank Austria Group
at 31 December 2015
Assets
Cash and cash balances
Financial assets held for trading
Financial assets at fair value through profit or loss
Available-for-sale financial assets
Held-to-maturity investments
Loans and receivables with banks
Loans and receivables with customers
Hedging derivatives
Changes in fair value of portfolio hedged items (+/ –)
Investments in associates and joint ventures
Property, plant and equipment
of which held for investment
Intangible assets
Tax assets
a) current tax assets
b) deferred tax assets
Non-current assets and disposal groups classified as held for sale
Other assets
TOTAL ASSETS
(€ million)
31 DEC. 2015
31 DEC. 2014
2,146
3,013
89
24,810
484
32,214
116,377
3,290
41
4,741
2,132
827
221
448
94
353
2,467
1,167
193,638
1,942
3,533
110
22,148
572
30,542
113,732
3,952
– 99
4,644
2,147
896
171
570
72
499
3,600
1,554
189,118
Liabilities and equity
Deposits from banks
Deposits from customers
Debt securities in issue
Financial liabilities held for trading
Financial liabilities at fair value through profit or loss
Hedging derivatives
Changes in fair value of portfolio hedged items (+/ –)
Tax liabilities
a) current tax liabilities
b) deferred tax liabilities
Liabilities included in disposal groups classified as held for sale
Other liabilities
Provisions for risks and charges
a) post-retirement benefit obligations
b) other provisions
Equity
of which non-controlling interests (+/–)
TOTAL LIABILITIES AND EQUITY
(€ million)
31 DEC. 2015
31 DEC. 2014
23,432
110,346
28,802
2,642
547
2,782
– 101
214
46
169
1,977
2,773
4,830
3,697
1,133
15,394
238
193,638
23,696
102,271
30,014
3,454
670
3,302
84
165
58
107
1,845
2,617
6,076
5,665
411
14,925
193
189,118