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Disclosure according to Basel 2 and 3 (CRR)

Disclosure (“Pillar 3”) according to EU Regulation No. 575/2013 (“CRR”)

UniCredit Bank Austria AG ("Bank Austria") is a part of UniCredit group.
EU parent institution of UniCredit group is UniCredit SpA.

Within UniCredit Group, a comprehensive disclosure is carried out by UniCredit SpA on its website, based on the consolidated financial position in its function as EU parent institution of Bank Austria (Disclosure by UniCredit).

Austrian Financial Market Supervision Authority ("FMA") classified Bank Austria as a significant subsidiary. Bank Austria fulfills its disclosure requirements on a partially consolidated basis.

Significant subsidiaries of EU parent institutions disclose the following information pursuant to Article 13 (1) of EU Regulation No. 575/2013 ("CRR"):

  • Art. 437 CRR: Own funds (according to the transitional rules of Art. 492 CRR)
  • Art. 438 CRR: Capital requirements
  • Art. 440 CRR: Capital buffers (starting 2016)
  • Art. 442 CRR: Credit risk adjustments
  • Art. 450 CRR: Remuneration policy
  • Art. 451 CRR: Leverage (starting 2015, pursuant to Art. 521 (2) (a) CRR)
  • Art. 453 CRR: Use of credit risk mitigation techniques

2016

Disclosure Date 30.06.2016

Disclosure pursuant to Article 437 CRR (Own funds)

Disclosure of capital instruments pursuant to Art. 437 CRR
 Disclosure of capital instruments pursuant to Art. 437 CRR

Disclosure of transitional own funds pursuant to Art. 437 and Art. 492 CRR
 Disclosure of transitional own funds pursuant to Art. 437 and Art. 492 CRR

Disclosure pursuant to Article 438 CRR (Capital requirements)

 Disclosure pursuant to Article 438 CRR (Capital requirements)

Disclosure pursuant to Article 442 CRR (Credit risk adjustments)

Disclosure pursuant to Article 442 CRR (Credit risk adjustments)

Disclosure pursuant to Article 451 CRR (Leverage Ratio)

Disclosure pursuant to Article 451 CRR (Leverage Ratio)

Disclosure pursuant to Article 453 CRR (Use of credit risk mitigation techniques)

Disclosure pursuant to Article 453 CRR (Use of credit risk mitigation techniques)

Disclosure Date 31.03.2016

Disclosure pursuant to Article 437 CRR (Own funds)

Disclosure of capital instruments pursuant to Art. 437 CRR
 Disclosure of capital instruments pursuant to Art. 437 CRR

Disclosure of transitional own funds pursuant to Art. 437 and Art. 492 CRR
Disclosure of transitional own funds pursuant to Art. 437 and Art. 492 CRR

Here you may find the final terms of Bank Austria's capital instruments pursuant to Art. 437 CRR (as disclosed above).

Disclosure pursuant to Article 438 CRR (Capital requirements)
Disclosure pursuant to Article 438 CRR (Capital requirements)

Disclosure pursuant to Article 451 CRR (Leverage Ratio)
 
Disclosure pursuant to Article 451 CRR (Leverage Ratio)

2015

Disclosure Date 31.12.2015

Disclosure pursuant to Article 437 CRR (Own funds)

Disclosure of capital instruments pursuant to Art. 437 CRR
Disclosure of capital instruments pursuant to Art. 437 CRR

Disclosure of transitional own funds pursuant to Art. 437 and Art. 492 CRR
Disclosure of transitional own funds pursuant to Art. 437 and Art. 492 CRR

Here you may find the final terms of Bank Austria's capital instruments pursuant to Art. 437 CRR (as disclosed above).

Disclosure pursuant to Article 438 CRR (Capital requirements)
Disclosure pursuant to Article 438 CRR (Capital requirements)

Disclosure pursuant to Article 442 CRR (Credit risk adjustments)
 
Disclosure pursuant to Article 442 CRR (Credit risk adjustments)

Disclosure pursuant to Article 450 CRR (Remuneration policy)
 Disclosure pursuant to Article 450 CRR (Remuneration policy)

Disclosure pursuant to Article 451 CRR (Leverage Ratio)
Disclosure pursuant to Article 451 CRR (Leverage Ratio)

Disclosure pursuant to Article 453 CRR (Use of credit risk mitigation techniques)
Disclosure pursuant to Article 453 CRR (Use of credit risk mitigation techniques)

Disclosure Date 30.09.2015

Disclosure pursuant to Article 437 CRR (Own funds)

Disclosure of capital instruments pursuant to Art. 437 CRR
Disclosure of capital instruments pursuant to Art. 437 CRR

Disclosure of transitional own funds pursuant to Art. 437 and Art. 492 CRR
Disclosure of transitional own funds pursuant to Art. 437 and Art. 492 CRR

Disclosure pursuant to Article 438 CRR (Capital requirements)
Disclosure pursuant to Article 438 CRR (Capital requirements)

Disclosure pursuant to Article 451 CRR (Leverage Ratio)
Disclosure pursuant to Article 451 CRR (Leverage Ratio)

Disclosure Date 30.06.2015

Disclosure pursuant to Article 437 CRR (Own funds)

Disclosure of capital instruments pursuant to Art. 437 CRR
Disclosure of capital instruments pursuant to Art. 437 CRR

Disclosure of transitional own funds pursuant to Art. 437 and Art. 492 CRR
Disclosure of transitional own funds pursuant to Art. 437 and Art. 492 CRR

Disclosure pursuant to Article 438 CRR (Capital requirements)
Disclosure pursuant to Article 438 CRR (Capital requirements)

Disclosure pursuant to Article 442 CRR (Credit risk adjustments)
Disclosure pursuant to Article 442 CRR (Credit risk adjustments)

Disclosure pursuant to Article 451 CRR (Leverage Ratio)
Disclosure pursuant to Article 451 CRR (Leverage Ratio)

Disclosure pursuant to Article 453 CRR (Use of credit risk mitigation techniques)
Disclosure pursuant to Article 453 CRR (Use of credit risk mitigation techniques)

2014

Disclosure Date 31.12.2014

Disclosure pursuant to Article 437 CRR (Own funds)
Disclosure of transitional own funds pursuant to Art. 437 and Art. 492 CRR
Disclosure of capital instruments pursuant to Art. 437 CRR

Here you may find the final terms of Bank Austria's capital instruments pursuant to Art. 437 CRR (as disclosed above).

Disclosure pursuant to Article 438 CRR (Capital requirements)
Disclosure pursuant to Article 438 CRR (Capital requirements)

Disclosure pursuant to Article 442 CRR (Credit risk adjustments)
Disclosure pursuant to Article 442 CRR (Credit risk adjustments)

Disclosure pursuant to Article 450 CRR (Remuneration policy)
 Disclosure pursuant to Article 450 CRR (Remuneration policy)

Disclosure pursuant to Article 453 CRR (Use of credit risk mitigation techniques)
 Disclosure pursuant to Article 453 CRR (Use of credit risk mitigation techniques)

 

Disclosure Date 30.06.2014

Disclosure pursuant to Article 437 CRR (Own funds)
 Disclosure of capital instruments pursuant to Art. 437 CRR
(PDF; 248 KB) [24.11.2014]
 Disclosure of transitional own funds pursuant to Art. 437 and Art. 492 CRR
(PDF; 110 KB) [24.11.2014]
 Here you may find the final terms of Bank Austria's capital instruments pursuant to Art. 437 CRR (as disclosed above).

Disclosure pursuant to Article 438 CRR (Capital requirements)
Disclosure pursuant to Article 438 CRR (Capital requirements)
(PDF; 24 KB) [24.11.2014]

Disclosure pursuant to Article 442 CRR (Credit risk adjustments)
 Disclosure pursuant to Article 442 CRR (Credit risk adjustments)
(PDF; 225 KB) [24.11.2014]

Disclosure pursuant to Article 453 CRR (Use of credit risk mitigation techniques)
Disclosure pursuant to Article 453 CRR (Use of credit risk mitigation techniques)
(PDF; 417 KB) [24.11.2014]

2013

On 1 January 2014, the EU Regulation No. 575/2013 ("CRR") entered into force.

Below, you will find the disclosure by Bank Austria in previous periods - in the form of 3 semi-annual documents according to the rules applicable before CRR (i.e. mainly the Austrian Banking Act (Bankwesengesetz/BWG) and the Disclosure Regulation (Offenlegungsverordnung/OffV) according to the Basel 2 rules):
§ 4 OffV (Supervisory capital structure), § 5 OffV (Capital adequacy requirement) and § 17 lit. 1 - 5 OffV (Credit risk mitigation techniques).

Disclosure Date 31.12.2013

Disclosure pursuant to § 4 OffV (supervisory capital structure) (PDF; 220 KB) [18.03.2014]
Disclosure pursuant to § 5 OffV (capital adequacy requirement) (PDF; 44 KB) [18.03.2014]
Disclosure pursuant to § 17 lit. 1 - 5 OffV (credit risk mitigation) (PDF; 464 KB) [26.03.2014]

Disclosure Date 30.06.2013

Disclosure pursuant to § 4 OffV (supervisory capital structure) (PDF; 222 KB) [08.08.2013]
Disclosure pursuant to § 5 OffV (capital adequacy requirement) (PDF; 448 KB) [08.08.2013]
Disclosure pursuant to § 17 lit. 1 - 5 OffV (credit risk mitigation) (PDF; 464 KB) [03.09.2013]

2012

On 1 January 2014, the EU Regulation No. 575/2013 ("CRR") entered into force.

Below, you will find the disclosure by Bank Austria in previous periods - in the form of 3 semi-annual documents according to the rules applicable before CRR (i.e. mainly the Austrian Banking Act (Bankwesengesetz/BWG) and the Disclosure Regulation (Offenlegungsverordnung/OffV) according to the Basel 2 rules):
§ 4 OffV (Supervisory capital structure), § 5 OffV (Capital adequacy requirement) and § 17 lit. 1 - 5 OffV (Credit risk mitigation techniques).

Disclosure Date 31.12.2012

Disclosure pursuant to § 4 OffV (supervisory capital structure) (PDF; 223 KB) [29.03.2013]
Disclosure pursuant to § 5 OffV (capital adequacy requirement) (PDF; 350 KB) [29.03.2013]
Disclosure pursuant to § 17 lit. 1 - 5 OffV (credit risk mitigation) (PDF; 551 KB) [08.04.2013]

Disclosure Date 30.06.2012

Disclosure pursuant to § 4 OffV (supervisory capital structure) (PDF; 118 KB) [21.08.2012]
Disclosure pursuant to § 5 OffV (capital adequacy requirement) (PDF; 183 KB) [21.08.2012]
Disclosure pursuant to § 17 lit. 1 - 5 OffV (credit risk mitigation) (PDF; 302 KB) [21.08.2012]

2011

On 1 January 2014, the EU Regulation No. 575/2013 ("CRR") entered into force.

Below, you will find the disclosure by Bank Austria in previous periods - in the form of 3 semi-annual documents according to the rules applicable before CRR (i.e. mainly the Austrian Banking Act (Bankwesengesetz/BWG) and the Disclosure Regulation (Offenlegungsverordnung/OffV) according to the Basel 2 rules):
§ 4 OffV (Supervisory capital structure), § 5 OffV (Capital adequacy requirement) and § 17 lit. 1 - 5 OffV (Credit risk mitigation techniques).

 

Disclosure Date 31.12.2011
Disclosure pursuant to § 4 OffV (supervisory capital structure) (PDF; 118 KB) [05.04.2012]
Disclosure pursuant to § 5 OffV (capital adequacy requirement) (PDF; 183 KB) [05.04.2012]
Disclosure pursuant to § 17 lit. 1 - 5 OffV (credit risk mitigation) (PDF; 302 KB) [23.04.2012]

Disclosure Date 30.06.2011
Disclosure pursuant to § 4 OffV (supervisory capital structure) (PDF; 118 KB) [11.08.2011]
Disclosure pursuant to § 5 OffV (capital adequacy requirement) (PDF; 183 KB) [11.08.2011]
Disclosure pursuant to § 17 lit. 1 - 5 OffV (credit risk mitigation) (PDF; 194 KB) [11.08.2011]

2010

On 1 January 2014, the EU Regulation No. 575/2013 ("CRR") entered into force.

Below, you will find the disclosure by Bank Austria in previous periods - in the form of 3 semi-annual documents according to the rules applicable before CRR (i.e. mainly the Austrian Banking Act (Bankwesengesetz/BWG) and the Disclosure Regulation (Offenlegungsverordnung/OffV) according to the Basel 2 rules):
§ 4 OffV (Supervisory capital structure), § 5 OffV (Capital adequacy requirement) and § 17 lit. 1 - 5 OffV (Credit risk mitigation techniques).

Disclosure Date 31.12.2010
Disclosure pursuant to § 4 OffV (supervisory capital structure) (PDF; 118 KB) [15.04.2011]
Disclosure pursuant to § 5 OffV (capital adequacy requirement) (PDF; 180 KB) [15.04.2011]
Disclosure pursuant to § 17 lit. 1 - 5 OffV (credit risk mitigation) (PDF; 245 KB) [15.04.2011]

Disclosure Date 30.06.2010
Disclosure pursuant to § 4 OffV (supervisory capital structure) (PDF; 321 KB) [12.08.2010]
Disclosure pursuant to § 5 OffV (capital adequacy requirement) (PDF; 548 KB) [12.08.2010]
Disclosure pursuant to § 17 lit. 1 - 5 OffV (credit risk mitigation) (PDF; 66 KB) [20.04.2010]

2009

On 1 January 2014, the EU Regulation No. 575/2013 ("CRR") entered into force.

Below, you will find the disclosure by Bank Austria in previous periods - in the form of 3 semi-annual documents according to the rules applicable before CRR (i.e. mainly the Austrian Banking Act (Bankwesengesetz/BWG) and the Disclosure Regulation (Offenlegungsverordnung/OffV) according to the Basel 2 rules):
§ 4 OffV (Supervisory capital structure), § 5 OffV (Capital adequacy requirement) and § 17 lit. 1 - 5 OffV (Credit risk mitigation techniques).

 

Disclosure Date 31.12.2009
Disclosure pursuant to § 4 OffV (supervisory capital structure) (PDF; 320 KB) [20.04.2010]
Disclosure pursuant to § 5 OffV (capital adequacy requirement) (PDF; 643 KB) [20.04.2010]
Disclosure pursuant to § 17 lit. 1 - 5 OffV (credit risk mitigation) (PDF; 68 KB) [20.04.2010]

Disclosure Date 30.06.2009
Disclosure pursuant to § 4 OffV (supervisory capital structure) (PDF; 421 KB) [05.08.2009]
Disclosure pursuant to § 5 OffV (capital adequacy requirement) (PDF; 442 KB) [05.08.2009]
Disclosure pursuant to § 17 lit. 1 - 5 OffV (credit risk mitigation) (PDF; 65 KB) [06.08.2009]

2008

On 1 January 2014, the EU Regulation No. 575/2013 ("CRR") entered into force.

Below, you will find the disclosure by Bank Austria in previous periods - in the form of 3 semi-annual documents according to the rules applicable before CRR (i.e. mainly the Austrian Banking Act (Bankwesengesetz/BWG) and the Disclosure Regulation (Offenlegungsverordnung/OffV) according to the Basel 2 rules):
§ 4 OffV (Supervisory capital structure), § 5 OffV (Capital adequacy requirement) and § 17 lit. 1 - 5 OffV (Credit risk mitigation techniques).

Disclosure Date 31.12.2008
Disclosure pursuant to § 4 OffV (supervisory capital structure) (PDF; 383 KB) [02.06.2009]
Disclosure pursuant to § 5 OffV (capital adequacy requirement) (PDF; 400 KB) [02.06.2009]
Disclosure pursuant to § 17 lit. 1 - 5 OffV (credit risk mitigation) (PDF; 63 KB) [16.07.2009]

Disclosure Date 30.06.2008 (resp. 31.10.2008 § 17 OffV)
Disclosure pursuant to § 4 OffV (supervisory capital structure) (PDF; 383 KB) [16.01.2009]
Disclosure pursuant to § 5 OffV (capital adequacy requirement) (PDF; 400 KB) [16.01.2009]
Disclosure pursuant to § 17 lit. 1 - 5 OffV (credit risk mitigation) (PDF; 63 KB) [16.01.2009]