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Disclosure (“Pillar 3”) according to EU Regulation No. 575/2013 (“CRR”)
The CRR governs the enhanced disclosure requirements for banks referred to as “Pillar 3” under Basel 2 and Basel 3.
Within UniCredit Group, a comprehensive disclosure is carried out by UniCredit S.p.A. 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 large subsidiary. Bank Austria fulfils its disclosure requirements on a partially consolidated basis.
Large subsidiaries of EU parent institutions disclose the following information pursuant to Article 13 (1) 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
- Art. 442 CRR: Credit risk adjustments
- Art. 450 CRR: Remuneration policy
- Art. 451 CRR: Leverage
- Art. 451a CRR: Liquidity requirements
- Art. 453 CRR: Use of credit risk mitigation techniques
Disclosure Date 31.12.2021
Disclosure Report as at 31.12.2021
Disclosure of capital instruments pursuant to Art. 437 CRR
Final terms of Bank Austria´s capital instruments pursuant to Art. 437 CRR
Disclosure pursuant to Art. 450 CRR (Remuneration policy)
Report on FX Loans and Loans with Repayment Vehicles as at 31.12.2021 (in German)
Disclosure Date 31.12.2020
Disclosure Report as at 31.12.2020
Disclosure of capital instruments pursuant to Art. 437 CRR
Final terms of Bank Austria´s capital instruments pursuant to Art. 437 CRR
Disclosure pursuant to Art. 450 CRR (Remuneration policy)
Report on FX Loans and Loans with Repayment Vehicles as at 31.12.2020 (in German)
Disclosure Date 30.09.2020
Disclosure Report as at 30.09.2020
Disclosure Date 30.06.2020
Disclosure Report as at 30.06.2020
Disclosure of capital instruments pursuant to Art. 437 CRR
Final terms of Bank Austria´s capital instruments pursuant to Art. 437 CRR
Disclosure Date 31.03.2020
Disclosure Date 31.12.2019
Disclosure Report as at 31.12.2019
Disclosure of capital instruments pursuant to Art. 437 CRR
Final terms of Bank Austria´s capital instruments pursuant to Art. 437 CRR
Disclosure pursuant to Art. 450 CRR (Remuneration policy)
Report on FX Loans and Loans with Repayment Vehicles as at 31.12.2019 (in German)
Disclosure Date 30.09.2019
Disclosure Report as at 30.09.2019
Disclosure Date 30.06.2019
Disclosure Report as at 30.06.2019
Disclosure of capital instruments pursuant to Art. 437 CRR
Final terms of Bank Austria´s capital instruments pursuant to Art. 437 CRR
Disclosure Date 31.03.2019
Disclosure Date 31.12.2018
Disclosure Report as at 31.12.2018
Disclosure of capital instruments pursuant to Art. 437 CRR
Final terms of Bank Austria´s capital instruments pursuant to Art. 437 CRR
Disclosure pursuant to Art. 450 CRR (Remuneration policy)
Report on FX Loans and Loans with Repayment Vehicles as at 31.12.2018 (in German)
Disclosure Date 30.09.2018
Disclosure Report as at 30.09.2018
Disclosure Date 30.06.2018
Disclosure Report as at 30.06.2018
Disclosure of capital instruments pursuant to Art. 437 CRR
Disclosure Date 31.03.2018
Disclosure Date 31.12.2017
Disclosure Report as at 31.12.2017
Disclosure of capital instruments pursuant to Art. 437 CRR
Final terms of Bank Austria's capital instruments pursuant to Art. 437 CRR
Disclosure pursuant to Art. 450 CRR (Remuneration policy)
Report on FX Loans and Loans with Repayment Vehicles as at 31.12.2017 (in German)
Disclosure Date 30.09.2017
Disclosure of capital instruments pursuant to Art. 437 CRR
Final terms of Bank Austria's capital instruments pursuant to Art. 437 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 440 CRR (Countercyclical Capital Buffer)
Disclosure pursuant to Article 451 CRR (Leverage Ratio) Disclosure Date 30.06.2017
Disclosure Date 30.06.2017
Disclosure of capital instruments pursuant to Art. 437 CRR
Final terms of Bank Austria's capital instruments pursuant to Art. 437 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 440 CRR (Countercyclical Capital Buffer)
Disclosure pursuant to Article 442 CRR (Credit risk adjustments)
Disclosure pursuant to Article 451 CRR (Leverage Ratio)
Disclosure pursuant to Article 453 CRR (Use of credit risk mitigation techniques)
Disclosure Date 31.03.2017
Disclosure of capital instruments pursuant to Art. 437 CRR
Final terms of Bank Austria's capital instruments pursuant to Art. 437 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 440 CRR (Countercyclical Capital Buffer)
Disclosure pursuant to Article 451 CRR (Leverage Ratio)
Disclosure Date 31.12.2016
Disclosure of capital instruments pursuant to Art. 437 CRR
Final terms of Bank Austria's capital instruments pursuant to Art. 437 CRR
Disclosure pursuant to Article 437 and 492 CRR
Disclosure pursuant to Article 438 CRR (Capital requirements)
Disclosure pursuant to Article 440 CRR (Countercyclical Capital Buffer)
Disclosure pursuant to Article 442 CRR (Credit risk adjustments)
Disclosure pursuant to Article 450 CRR (Remuneration policy)
Disclosure pursuant to Article 451 CRR (Leverage Ratio)
Disclosure pursuant to Article 453 CRR (Use of credit risk mitigation techniques)
Disclosure Date 30.09.2016
Disclosure of capital instruments pursuant to Art. 437 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 451 CRR (Leverage Ratio)
Disclosure Date 30.06.2016
Disclosure of capital instruments pursuant to Art. 437 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 442 CRR (Credit risk adjustments)
Disclosure pursuant to Article 451 CRR (Leverage Ratio)
Disclosure pursuant to Article 453 CRR (Use of credit risk mitigation techniques)
Disclosure Date 31.03.2016
Disclosure of capital instruments pursuant to Art. 437 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 451 CRR (Leverage Ratio)
Disclosure Date 31.12.2015
Disclosure of capital instruments pursuant to Art. 437 CRR
Final terms of Bank Austria's capital instruments pursuant to Art. 437 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 442 CRR (Credit risk adjustments)
Disclosure pursuant to Article 450 CRR (Remuneration policy)
Disclosure pursuant to Article 451 CRR (Leverage Ratio)
Disclosure pursuant to Article 453 CRR (Use of credit risk mitigation techniques)
Disclosure Date 30.09.2015
Disclosure of capital instruments pursuant to Art. 437 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 451 CRR (Leverage Ratio)
Disclosure Date 30.06.2015
Disclosure of capital instruments pursuant to Art. 437 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 442 CRR (Credit risk adjustments)
Disclosure pursuant to Article 451 CRR (Leverage Ratio)
Disclosure pursuant to Article 453 CRR (Use of credit risk mitigation techniques)
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
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]
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]
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]
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]
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]
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]
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]
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]