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
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Disclosure Date 31.12.2017

Disclosure Report as at 31.12.2017 (PDF)
Disclosure of capital instruments pursuant to Art. 437 CRR (PDF)
Final terms of Bank Austria's capital instruments pursuant to Art. 437 CRR (ZIP)
Disclosure pursuant to Art. 450 CRR (Remuneration policy) (PDF)
Report on FX Loans and Loans with Repayment Vehicles as at 31.12.2017 (PDF) (in German)


Disclosure Date 30.09.2017

Disclosure of capital instruments pursuant to Art. 437 CRR (PDF)
Final terms of Bank Austria's capital instruments pursuant to Art. 437 CRR (ZIP)
Disclosure of transitional own funds pursuant to Art. 437 and Art. 492 CRR (PDF)
Disclosure pursuant to Article 438 CRR (Capital requirements) (PDF)
Disclosure pursuant to Article 440 CRR (Countercyclical Capital Buffer) (PDF)
Disclosure pursuant to Article 451 CRR (Leverage Ratio) Disclosure Date 30.06.2017 (PDF)


Disclosure Date 30.06.2017

Disclosure of capital instruments pursuant to Art. 437 CRR (PDF)
Final terms of Bank Austria's capital instruments pursuant to Art. 437 CRR (ZIP)
Disclosure of transitional own funds pursuant to Art. 437 and Art. 492 CRR (PDF)
Disclosure pursuant to Article 438 CRR (Capital requirements) (PDF)
Disclosure pursuant to Article 440 CRR (Countercyclical Capital Buffer) (PDF)
Disclosure pursuant to Article 442 CRR (Credit risk adjustments) (PDF)
Disclosure pursuant to Article 451 CRR (Leverage Ratio) (PDF)
Disclosure pursuant to Article 453 CRR (Use of credit risk mitigation techniques) (PDF)   


Disclosure Date 31.03.2017

Disclosure of capital instruments pursuant to Art. 437 CRR (PDF)
Final terms of Bank Austria's capital instruments pursuant to Art. 437 CRR (ZIP)
Disclosure of transitional own funds pursuant to Art. 437 and Art. 492 CRR (PDF)
Disclosure pursuant to Article 438 CRR (Capital requirements) (PDF)
Disclosure pursuant to Article 440 CRR (Countercyclical Capital Buffer) (PDF)
Disclosure pursuant to Article 451 CRR (Leverage Ratio) (PDF) 

2016

Disclosure Date 31.12.2016

Disclosure of capital instruments pursuant to Art. 437 CRR (PDF)
Final terms of Bank Austria's capital instruments pursuant to Art. 437 CRR (ZIP)
Disclosure pursuant to Article 437 and 492 CRR (PDF)
Disclosure pursuant to Article 438 CRR (Capital requirements) (PDF)
Disclosure pursuant to Article 440 CRR (Countercyclical Capital Buffer) (PDF)
Disclosure pursuant to Article 442 CRR (Credit risk adjustments) (PDF)
Disclosure pursuant to Article 450 CRR (Remuneration policy) (PDF)
Disclosure pursuant to Article 451 CRR (Leverage Ratio) (PDF)
Disclosure pursuant to Article 453 CRR (Use of credit risk mitigation techniques) (PDF)


Disclosure Date 30.09.2016

Disclosure of capital instruments pursuant to Art. 437 CRR (PDF)
Disclosure of transitional own funds pursuant to Art. 437 and Art. 492 CRR (PDF)
Disclosure pursuant to Article 438 CRR (Capital requirements) (PDF)
Disclosure pursuant to Article 451 CRR (Leverage Ratio) (PDF)


Disclosure Date 30.06.2016

Disclosure of capital instruments pursuant to Art. 437 CRR (PDF)
Disclosure of transitional own funds pursuant to Art. 437 and Art. 492 CRR (PDF)
Disclosure pursuant to Article 438 CRR (Capital requirements) (PDF)
Disclosure pursuant to Article 442 CRR (Credit risk adjustments) (PDF)
Disclosure pursuant to Article 451 CRR (Leverage Ratio) (PDF)
Disclosure pursuant to Article 453 CRR (Use of credit risk mitigation techniques) (PDF)


Disclosure Date 31.03.2016

Disclosure of capital instruments pursuant to Art. 437 CRR (PDF)
Disclosure of transitional own funds pursuant to Art. 437 and Art. 492 CRR (PDF)
Disclosure pursuant to Article 438 CRR (Capital requirements) (PDF)
Disclosure pursuant to Article 451 CRR (Leverage Ratio) (PDF)

2015 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 (PDF)
Disclosure of capital instruments pursuant to Art. 437 CRR (PDF)

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

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

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

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)


Disclosure Date 30.06.2014

Disclosure pursuant to Article 437 CRR (Own funds)
Disclosure of capital instruments pursuant to Art. 437 CRR (PDF) [24.11.2014]
Disclosure of transitional own funds pursuant to Art. 437 and Art. 492 CRR (PDF) [24.11.2014]

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

Disclosure pursuant to Article 442 CRR (Credit risk adjustments)
Disclosure pursuant to Article 442 CRR (Credit risk adjustments) (PDF) [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) [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) [18.03.2014]
Disclosure pursuant to § 5 OffV (capital adequacy requirement) (PDF) [18.03.2014]
Disclosure pursuant to § 17 lit. 1 - 5 OffV (credit risk mitigation) (PDF) [26.03.2014]


Disclosure Date 30.06.2013

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


Basel II Disclosure - Pillar 3 - UniCredit

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) [29.03.2013]
Disclosure pursuant to § 5 OffV (capital adequacy requirement) (PDF) [29.03.2013]
Disclosure pursuant to § 17 lit. 1 - 5 OffV (credit risk mitigation) (PDF) [08.04.2013]


Disclosure Date 30.06.2012

Disclosure pursuant to § 4 OffV (supervisory capital structure) (PDF) [21.08.2012]
Disclosure pursuant to § 5 OffV (capital adequacy requirement) (PDF) [21.08.2012]
Disclosure pursuant to § 17 lit. 1 - 5 OffV (credit risk mitigation) (PDF) [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) [05.04.2012]
Disclosure pursuant to § 5 OffV (capital adequacy requirement) (PDF) [05.04.2012]
Disclosure pursuant to § 17 lit. 1 - 5 OffV (credit risk mitigation) (PDF) [23.04.2012]


Disclosure Date 30.06.2011 Disclosure pursuant to § 4 OffV (supervisory capital structure) (PDF) [11.08.2011]
Disclosure pursuant to § 5 OffV (capital adequacy requirement) (PDF) [11.08.2011]
Disclosure pursuant to § 17 lit. 1 - 5 OffV (credit risk mitigation) (PDF) [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) [15.04.2011]
Disclosure pursuant to § 5 OffV (capital adequacy requirement) (PDF) [15.04.2011]
Disclosure pursuant to § 17 lit. 1 - 5 OffV (credit risk mitigation) (PDF) [15.04.2011]


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


Disclosure Date 30.06.2009 Disclosure pursuant to § 4 OffV (supervisory capital structure) (PDF) [05.08.2009]
Disclosure pursuant to § 5 OffV (capital adequacy requirement) (PDF) [05.08.2009]
Disclosure pursuant to § 17 lit. 1 - 5 OffV (credit risk mitigation) (PDF) [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) [02.06.2009]
Disclosure pursuant to § 5 OffV (capital adequacy requirement) (PDF) [02.06.2009]
Disclosure pursuant to § 17 lit. 1 - 5 OffV (credit risk mitigation) (PDF) [16.07.2009]


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