FOREWORD. DEAR BUSINESS PARTNERS!
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1 ANNUAL REPORT 2017.
2 FOREWORD. DEAR BUSINESS PARTNERS! VKB-Bank has been supporting its customers and business partners in Upper Austria for 145 years and has made a strong contribution to the improvement of the local economy. The past year was characterised by numerous changes and requirements for banks. VKB-Bank nonetheless succeeded in achieving a strong result and again offered many Upper Austrian businesses the possibility to find financial solutions together in In the residential building sector the VKB-Residential Billion led to the creation of new and the refurbishment and expansion of existing residential space. Founded as a cooperative bank in 1873, our bank with its rich tradition was reorganised as a stock corporation some 35 years ago. Right from the start, VKB-Bank was a firm believer in the spirit and value of personal banking and backs people and businesses in Austria as their financial partner to this day. VKB-Bank sees itself as the customers companion and mentor in financial matters. Thereby, our interest in the customers business success is always to the fore. We finance our customers projects, take over the risk and secure their liquidity. We want to offer them security of their investments and fair, independent access to the capital market. Our economic success is achieved with our customer business and allows us to take responsibility for the region Upper Austria. Thank you for being part of VKB-Bank as our business partner! We look forward to continued successful collaboration! Christoph Wurm M.A. Chief Executive Alexander Seiler M.A. Board Director
3 Christoph Wurm M.A. Chief Executive Alexander Seiler M.A. Board Director
4 VKB GROUP Income statement for the 2017 financial year Balance sheet as of 31 December
5 Income statement VKB Group EUR EUR EUR Thousand EUR 1. Interest and similar earnings 54,413,207 62,060 Of which: From fixed-interest securities 8,303,042 10, Interest and similar expenses -6,932,909-7,218 I. NET INTEREST INCOME 47,480,297 54, Earnings from securities and shareholdings 1,914,347 2,032 a) Earnings from shares, other equity rights and securities without fixed interest 714, b) Earnings from shareholdings 566, c) Earnings from associated companies 633, Commission income 23,221,313 22, Commission expenses -665, Earnings/expenses from financial transactions 490, Other operating income 3,049,089 2,608 II. OPERATING INCOME 75, , General administrative expenses -55,927,477-56,621 a) Payroll costs -37,862,777-38,966 aa) Wages and salaries -24,851,319-25,619 bb) Expenses for statutory social security contributions and wage-dependent duties and mandatory contributions -6,762,759-6,986 cc) Other social security expenses -895, dd) Expenses for retirement benefits and support -2,323,241-2,318 ee) Allocation of pension provision -1,997,690-1,756 ff) Expenses for severance pay and payments to company staff pension funds -1,032,060 1,301 b) Other administrative expenses (material expenses) -18,064,700-17, Value adjustments on the assets listed under asset items 9 and 10-3,801,452-3, Other operating expenses -2,449,512-3,124 III. OPERATING EXPENSES (total items 8 to 10) -62, ,290 IV. OPERATING RESULT 13,311,391 18, /12. Balance of the appropriation to and liquidation of value adjustments on receivables and provisions for contingencies and for credit risks -3,289,941-3, /14. Balance of the appropriation to and liquidation of value adjustments on securities assessed as financial investments, as well as on shareholdings and shares in affiliated companies 493,129-1,912 From companies assessed as associated companies 0 0 V. RESULT FROM ORDINARY BUSINESS 10,514,579 13, Taxes on income and earnings -769,177-1, Other taxes not included in item ,465-1,786 VI. GROUP ANNUAL NET PROFIT 9,452,937 10, Changes in reserves -9, ,845 VII. GROUP ANNUAL PROFIT 300, Profit carried forward 22, VIII. GROUP ACCUMULATED PROFIT 322,
6 VKB GROUP Balance sheet VKB Group ASSETS 31/12/ /12/2016 EUR EUR EUR Thousand EUR 1. Cash assets, credit with central banks 90,523, , Debt instruments of public authorities permitted for refinancing at central banks Debt instruments of public authorities and similar securities 170,399, , Receivables from credit institutions 32,808,857 1,597 a) Maturing daily 15,956,927 1,326 b) Other receivables 16,851, Receivables from customers 2,213,671,880 2,203, Bonds and other fixed-interest securities From other issuers 263,798, , Shares and other securities without fixed interest 10,649,257 10, Shareholdings 8,155,922 6,650 In associated companies 536,052 1, Shares in affiliated companies 1,981,292 2,063 In associated companies 1,981,292 2, Intangible fixed assets 3,046,383 2, Property, plant and equipment 41,437,944 39,993 Property and buildings used by the bank as part of its own work 27,739,413 27, Other assets 53,770,260 46, Accruals and deferrals 50, Deferred tax assets 6,563,666 5,718 Total assets 2,896,857,662 2,864, Foreign assets 266,929, ,371 6
7 Balance sheet VKB Group LIABILITIES 31/12/ /12/2016 EUR EUR EUR Thousand EUR 1. Accounts payable to credit institutions 27,003,250 21,313 a) Maturing daily 26,318,743 19,009 b) With agreed term or notice period 684,507 2, Accounts payable to customers 2,274,127,963 2,277,670 a) Savings deposits 1,073,867,703 1,069,344 aa) Maturing daily 310,626, ,594 bb) With agreed term or notice period 763,240, ,750 b) Other liabilities 1,200,260,260 1,208,326 darunter: aa) Maturing daily 1,016,544, ,038 bb) With agreed term or notice period 183,715, , Securitised liabilities Other securitised liabilities 81,999,400 73, Other liabilities 93,981,026 88, Accruals and deferrals 14,838,683 16, Provisions 60,776,718 59,998 a) Provisions for severance pay 11,507,790 11,275 b) Provisions for pensions 39,333,884 37,116 c) Tax provisions 1,200,000 1,238 d) Other provisions 8,735,045 10, Own funds requirements as per Article 2(1)4 of Regulation (EU) no 575/2013 7,000, Subscribed capital stock 6,135,744 6, Retained earnings 330,672, ,517 a) Statutory reserves 5,057,692 5,056 b) Other reserves 325,614, , Group accumulated profit 322, Total liabilities 2,896,857,662 2,864, Contingencies Liabilities from warranties and liability from the provision of securities 184,665, , Credit risks 380,374, ,590 Non-utilised credit lines 359,839, ,745 Credit commitments 20,534,465 29, Liabilities from fiduciary transactions 53,146,320 43, Chargeable own funds as per Part 2 of Regulation (EU) no 575/ ,777, , Own funds requirements as per Article 92 of Regulation (EU) no 575/2013 (including transitional arrangements in accordance with Art. 500 CRR) 2,011,312,780 1,946,280 Own funds requirements as per Article 92(1)a of Regulation (EU) no 575/ Core Tier 1 capital ratio % % Own funds requirements as per Article 92(1)b of Regulation (EU) no 575/ Core capital ratio % % Own funds requirements as per Article 92(1)c of Regulation (EU) no 575/ Total capital ratio % % 6. Foreign liabilities 52,376,741 61,209 7
8 PART OF MY WARMTH AND SECURITY. Living can be so easy. That s why I sent my parents to the LivingPlus advisor at VKB-Bank. He really knows the ins and outs of warmth and security and of subsidies and insurances. And with his LivingPlus loan the interest is tops, too.
9
10 PART OF MY LIFE. Enjoy life at full speed. Always safely in the saddle. And setting the course yourself when you need to. This has connected our customers and VKB-Bank for 145 years so that you can reach your goals in life with the right drive.
11 FREEDOM
12 PART OF MY LIFE. Set the goal yourself in a familiar environment. Know you can rely on each other. And know the country and its people. This has connected our customers and VKB-Bank for 145 years So that you can always stay in balance with our region.
13 HOME
14 PART OF MY LIFE. BETTER ADVICE, BETTER PROVIDED FOR: WITH VKB-BANK.
15 HARVEST FESTIVAL
16 PART OF MY LIFE. Music pleases and blesses our life. VKB-Bank and the Upper Austrian Monastery Concerts have been allies in the cultural sector for 45 years. The Upper Austrian Monastery Concerts make musical midsummer night s dreams come true. They are played from light into the darkness, and Canada is being rediscovered as a country of music. Complete with an exceptional cellist: Kian Soltani. For more details visit or
17 CULTURE
18 VKB-BANK Income statement for the 2017 financial year Balance sheet as of 31 December
19 Income statement VKB-Bank EUR EUR EUR Thousand EUR 1. Interest and similar earnings 52,196,789 59,612 From fixed-interest securities 8,303,042 10, Interest and similar expenses -6,975,079-7,281 I. NET INTEREST INCOME 45,221,710 52, Earnings from securities and shareholdings 3,401,058 3,950 a) Earnings from shares, other equity rights and securities without fixed interest 714, b) Earnings from shareholdings 566, c) Earnings from shares in affiliated companies 2,120,000 2, Commission income 23,221,313 22, Commission expenses -665, Earnings/expenses from financial transactions 490, Other operating income 2,789,160 2,317 II. OPERATING INCOME 74,458,026 81, General administrative expenses -55,687,344-56,323 a) Payroll costs -37,862,777-38,966 aa) Wages and salaries -24,851,319-25,619 bb) Expenses for statutory social security contributions and wage-dependent duties and mandatory contributions -6,762,759-6,986 cc) Other social security expenses -895, dd) Expenses for retirement benefits and support -2,323,241-2,318 ee) Allocation of pension provision -1,997,690-1,756 ff) Expenses for severance pay and payments to company staff pension funds -1,032,060-1,301 b) Other administrative expenses (material expenses) -17,824,567-17, Value adjustments on the assets listed under asset items 9 and 10-3,388,068-3, Other operating expenses -2,164,526-2,842 III. OPERATING EXPENSES (total items 8 to 10) -61,239,939-62,260 IV. OPERATING RESULT 13,218,087 18, /12. Balance of the appropriation to and liquidation of value adjustments on receivables and provisions for contingencies and for credit risks -3,539,410-4, /14. Balance of the appropriation to and liquidation of value adjustments on securities assessed as financial investments, as well as on shareholdings and shares in affiliated companies 493,742-1,952 V. RESULT FROM ORDINARY BUSINESS 10,172,419 12, Taxes on income and earnings -1,246,662-1, Other taxes not included in item ,754-1,786 VI. ANNUAL NET PROFIT 8,635,003 9, Changes in reserves -7,200,000-8,138 Allocation of the liability reserve as per Section 57(5) BWG (Austrian Banking Act) 0 0 VII. ANNUAL PROFIT 1,435,003 1, Profit carried forward 73, VIII. ACCUMULATED PROFIT 1,508,639 1,574 19
20 VKB-BANK Balance sheet VKB-Bank ASSETS 31/12/ /12/2016 EUR EUR EUR Thousand EUR 1. Cash assets, credit with central banks 90,523, , Debt instruments of public authorities permitted for refinancing at central banks Debt instruments of public authorities and similar securities 170,399, , Receivables from credit institutions 32,808,857 1,597 a) Maturing daily 15,956,927 1,326 b) Other receivables 16,851, Receivables from customers 2,158, ,147, Bonds and other fixed-interest securities From other issuers 263,798, , Shares and other securities without fixed interest 10,649,257 10, Shareholdings 7,601,555 6,095 In credit institutions 536,052 1, Shares in affiliated companies 20,121,151 20, Intangible fixed assets 3,034,578 2, Property, plant and equipment 29,371,595 29,366 Property and buildings used by the bank as part of its own work 22,826,914 22, Other assets 58,177,244 51, Deferred tax assets 6,250,362 5,970 Total assets 2,851,587,744 2,820, Foreign assets 266,920, ,371 20
21 Balance sheet VKB-Bank LIABILITIES 31/12/ /12/2016 EUR EUR EUR Thousand EUR 1. Accounts payable to credit institutions 27,003,250 21,313 a) Maturing daily 26,318,743 19,009 b) With agreed term or notice period 684,507 2, Accounts payable to customers 2,302,345,102 2,305,064 a) Savings deposits 1,073,867,703 1,069,344 aa) Maturing daily 310,626, ,594 bb) With agreed term or notice period 763,240, ,750 b) Other liabilities 1,228,477,400 1,235,720 aa) Maturing daily 1,040,373, ,315 bb) With agreed term or notice period 188,103, , Securitised liabilities Other securitised liabilities 81,999,400 73, Other liabilities 55,619,217 48, Accruals and deferrals 9,373,547 12, Provisions 60,161,675 59,706 a) Provisions for severance pay 11,507,790 11,275 b) Provisions for pensions 39,333,884 37,116 c) Tax provisions 1,200,000 1,200 d) Other provisions 8,120,002 10, Own funds requirements as per Article 2(1)4 of Regulation (EU) no 575/2013 7,000, Subscribed capital stock 30,000,000 30, Capital reserves 6,178,567 6,179 a) Tied-up 72, b) Not tied-up 6,105,894 6, Retained earningsn 230,606, ,456 a) Statutory reserve 10,000,000 10,000 b) Other reserves 220,606, , Liability reserve as per Section 57(5) BWG (Austrian Banking Act) 39,792,064 39, Accumulated profit 1,508,639 1,574 Total liabilities 2,851,587,744 2,820, Contingencies Liabilities from warranties and liability from the provision of securities 187,736, , Credit risks 401,390, ,861 Non-utilised credit lines 375,856, ,015 Credit commitments 25,534,465 39, Liabilities from fiduciary transactions 53,146,320 43, Chargeable own funds as per Part 2 of Regulation (EU) no 575/ ,526, , Own funds requirements as per Article 92 of Regulation (EU) no 575/2013 (including transitional arrangements in accordance with Art. 500 CRR) 1,872,310,375 1,812,638 Own funds requirements as per Article 92(1)a of Regulation (EU) no 575/ Core Tier 1 capital ratio % % Own funds requirements as per Article 92(1)b of Regulation (EU) no 575/ Core capital ratio % % Own funds requirements as per Article 92(1)c of Regulation (EU) no 575/ Total capital ratio % % 6. Foreign liabilities 52,376,741 61,209 21
22 THE VKB GROUP: AN OVERVIEW OF THE FIGURES BALANCE SHEET KEY FIGURES (in millions of EUR) Change 2017 Balance sheet total 2, , % 2,896.9 Business volume 4, , % 4,576.8 Loans to clients 2, , % 2,213.7 Primary funds 2, , % 2,363.1 Equity % OWN FUNDS KEY FIGURES (in millions of EUR) Change 2017 Overall risk 1, , % 2,011.3 Chargeable own funds % Core capital (Tier 1) % Total capital ratio including Basel-I-Floor 17.1 % 16.8 % % Core capital ratio including Basel-I-Floor 16.4 % 16.4 % % Total capital ratio excluding Basel-I-Floor 19.1 % 19.8 % % Core capital ratio excluding Basel-I-Floor 18.3 % 19.2 % % Capital Assets Ratio (CAR) 11.3 % 11.1 % % Rounding differences may occur due to the use of automatic calculation methods. INCOME STATEMENT KEY FIGURES (in millions of EUR) Change 2017 Operating result % 13.3 Operating income % 75.5 Net interest income % 47.5 Operating expenses % Operating profit % 10.5 Group annual net profit % 9.5 Cost income ratio (CIR) 77.6 % 77.1 % % PERFORMANCE KEY FIGURES Change 2017 Operating result compared to the average balance sheet total 0.70 % 0.67 % % Return on assets before tax (basis: operating profit) 0.45 % 0.46 % % Return on equity before tax (basis: operating profit) 3.96 % 4.04 % % Return on assets after tax (basis: annual net profit) 0.25 % 0.36 % % Return on equity after tax (basis: annual net profit) 2.16 % 3.14 % % Average number of staff (FTEs) Branch offices
23 BALANCE SHEET KEY FIGURES I (in Euro billions) Balance sheet total Business volumen BALANCE SHEET KEY FIGURES II (in Euro billions) 2,5 2 1,5 1 0, Loans to clients Primary funds Company details/publications Head office, media owner and publisher: Volkskreditbank AG, Rudigierstraße 5-7, A-4020 Linz service@vkb-bank.at, Website Telephone , Fax , BIC VKBLAT2L Company register no: FN 76096g; Company register court: Linz regional court, VAT no: ATU ; Data Processing Register: Location of printing and production: Linz, Austria; Photos: Florian Stöllinger, Mateo Juventino More information about publications is permanently and freely available at: 23
24 VKB-BANK BRANCHES HEAD OFFICE A-4010 Linz, Rudigierstraße 5-7, Postfach 116, Telephone , Fax , Internet: LINZ REGION Domgasse branch, A-4020 Linz, Domgasse 12, Telephone Froschberg branch, A-4020 Linz, Ziegeleistraße 74, Telephone Kleinmünchen branch, A-4030 Linz, Zeppelinstraße 50, Telephone Kundenzentrum (Customer Centre) Linz branch, A-4020 Linz, Rudigierstraße 5-7, Telephone Leonding branch, A-4060 Leonding, Mayrhansenstraße 8a, Telephone Neue Welt branch, A-4020 Linz, Kremplstraße 1, Telephone REGION WELS-INNVIERTEL Bad Schallerbach branch, A-4701 Bad Schallerbach, Grieskirchner Straße 3, Telephone Braunau branch, A-5280 Braunau am Inn, Stadtplatz 36-37, Telephone Grieskirchen branch, A-4710 Grieskirchen, Stadtplatz 35-36, Telephone Marchtrenk branch, A-4614 Marchtrenk, Linzer Straße 44, Telephone Ostermiething branch, A-5121 Ostermiething, Bergstraße 2, Telephone Pasching branch, A-4061 Pasching, Adalbert-Stifter-Straße 68, Telephone Ried branch, A-4910 Ried im Innkreis, Stelzhamerplatz 15, Telephone Traun branch, A-4050 Traun, Hauptplatz 18, Telephone Wels branch, A-4601 Wels, Kaiser-Josef-Platz 47, Telephone STEYR REGION Dietach branch, A-4407 Dietach, Kirchenplatz 1, Telephone Enns branch, A-4470 Enns, Dr. Renner-Straße 29, Telephone Kirchdorf branch, A-4560 Kirchdorf, Hauptplatz 5, Telephone Niederneukirchen branch, A-4491 Niederneukirchen, Dorfplatz 8, Telephone Sierninghofen-Neuzeug branch, A-4523 Neuzeug, Steyrtalstraße 21, Telephone St. Florian branch, A-4490 St. Florian, Thannstraße 1, Telephone Steyr branch, A-4400 Steyr, Stadtplatz 32, Telephone Steyr-Neulust branch, A-4400 Steyr, Aschacher Straße 1, Telephone SALZKAMMERGUT REGION Attersee branch, 4861 Schörfling, Hauptstraße 1, Telefon Bad Ischl branch, A-4820 Bad Ischl, Kreuzplatz 21, Telephone Gmunden branch, A-4810 Gmunden, Theatergasse 5, Telephone Gmunden-SEP branch, A-4810 Gmunden, Druckereistraße 7, Telephone Vöcklabruck branch, A-4840 Vöcklabruck, Stadtplatz 18-20, Telephone Vorchdorf branch, A-4655 Vorchdorf, Bahnhofstraße 7, Telephone MÜHLVIERTEL REGION Freistadt branch, A-4240 Freistadt, Hauptplatz 2, Telephone Gründberg branch, A-4040 Linz, Leonfeldner Straße 150, Telephone Perg branch, A-4320 Perg, Hauptplatz 19, Telephone Rohrbach branch, A-4150 Rohrbach, Linzer Straße 11, Telephone Urfahr branch, A-4040 Linz, Linke Brückenstraße 24-26, Telephone
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